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Bickley: Cardinals take critical step forward with Michael Wilson extension
Cardinals take care of business by extending the 26-year-old wideout after a breakout season in 2025 and buck past trends of failing to extend blossoming talent.
Jennifer Aniston's emotional interview with boyfriend Jim Curtis about his health journey
The couple made a rare joint appearance at New York City’s 92nd Street Y, with Jen interviewing her wellness coach boyfriend about hie new guide to healing, “The Book of Possibility.”
Jennifer Aniston shares the life advice her ‘dear friend’ Dolly Parton gave her
The late Dolly Parton was a ‘dear friend’ to Jennifer Aniston, who gave her some sweet — and useful — life advice.
South Grad Partners with Full-Time Facility Dog on Her First Job
At USA Health Children's & Women's Hospital, recreational therapy looks a little different for recent graduate Emma Bryson, thanks to a full-time canine colleague named Rainier.
Carla Jeffery’s family denies drugs played a part in Disney star’s death
Carla Jeffery, known for Disney Channel’s ‘Zombies,’ died at the age of 33 on Wednesday; a cause of death was not immediately revealed.
Disney Jr., ESPN and ABC30 bring free youth sports clinic to Fresno
ABC30, Disney Jr. and ESPN brought a free sports clinic to Fresno, giving young kids a chance to play, learn and get active.
Disney Jr., ESPN and ABC30 bring free youth sports clinic to Fresno
ABC30, Disney Jr. and ESPN brought a free sports clinic to Fresno, giving young kids a chance to play, learn and get active.
Disney Jr., ESPN and ABC30 bring free youth sports clinic to Fresno
ABC30, Disney Jr. and ESPN brought a free sports clinic to Fresno, giving young kids a chance to play, learn and get active.
‘The View’ reveals 1 former cohost returning to the table for season 30
‘The View’ revealed Sherri Shepherd will join Whoopi Goldberg, Joy Behar, and more at the Hot Topics table when the show premieres for its landmark season 30.
Rising costs of health benefits: Total cost per employee expected to rise 8.2% in 2027
Joseph Kra, Marsh senior partner and northeast health zone practice leader, joins 'Squawk Box' to discuss the rising costs of health benefits, impact of GLP-1s on health benefit costs, and more.
Former NBA All-Star believes Joel Embiid is not fully dedicated to working hard
Joel Embiid is getting flak for apparent problems with his work ethic.
Large data center project in Weld County clears its first hurdle
Global AI's 35-megawatt data center project on a former Kodak campus in Weld County won planning commission support Tuesday, advancing a project the company says could grow into a potential $2 billion to $20 billion investment.
Feds, NBA investigating Daktronics amid alleged Kawhi Leonard, Clippers no-show sponsor deals
Why a signature Newsom power move flopped in the last days of the Legislative session
The lame-duck governor's penchant for pushing last-minute demands on California’s Legislature didn't work out as it has in years past.
Industry Focus eBook
Keep up with the latest advances in quantum science with this exclusive Quantum Science Insight from Industry eBook.
Car crashes into southwest Oklahoma City business
Car crashes into southwest Oklahoma City business
Celtic chase full-back Lotomba
Celtic linked with a host of new arrivals as Rangers await bids for star midfielder...
Father of Times Square stabbing suspect says daughter had mental health issues
Kelly Clarkson goes viral with ‘Golden’ from ‘KPop Demon Hunters’
The singer performed what she said is the most requested cover song in her show’s seven-year history — and the performance is blowing "up, up, up."
Browns add Discarded Denver Running Back to the Practice Squad
Ex-Broncos tailback Jaleel McLaughlin gets a chance to re-invent himself on the practice squad of the Browns after failing to make it in the Mile High City.
Maine health clinics say state failed to pay nearly $6.5M cost-of-living increase
The state health department said there was no funding appropriated for this year's adjustment.
ESPN Unlimited now fully integrated into YouTube TV
At long last, the partnership between ESPN and YouTube TV has reached its final form. About 10 months since Disney and YouTube TV finalized a new distribution agreement following fraught negotiations that kept Disney-owned networks blacked out on YouTube TV for weeks during the heart of football season, the moment YouTube TV subscribers have all…
Trump Names Pastor to Advise Administration on Tobacco Health
WASHINGTON, Sept 1 (Reuters) - U.S. President Donald Trump said on Tuesday that Pastor Darrell Scott will serve his administration as an adviser for tobacco health issues on a committee that advises the director of the Centers for Disease Control and Prevention. "For far too long,
Yankees' Elmer Rodriguez Concerns Have Reached New Heights
New York Yankees pitcher Elmer Rodriguez might not be a long-term answer.
Sarasota bakery earns Michelin recognition, owner says business has doubled
Focaccia Sandwich & Bakery is one of three Sarasota restaurants to earn the distinction
Scientists make potential breakthrough in search for dark matter
Scientists have made a possible breakthrough in the hunt for dark matter — observing hints of it during an experiment about a mile (1.6 km) underground in South Dakota — though they stopped short of saying they have finally detected this elusive cosmic component.
KPMG sets up new S.F. office in ‘AI Alley’ near Anthropic and Salesforce
KPMG opens its new San Francisco office at 505 Howard Street, featuring an Ignition Center designed for client collaboration on AI transformation and business challenges.
Trump says US position on Falklands 'one of many' under review
The UK says Falkland islanders "are British with a right to determine their own future".
11 movies coming to Netflix in September 2026, including Jacob Tremblay’s “Unabomber”
The streamer’s September lineup also includes a documentary about viral Olympic breaker Raygun.
Ocean Race Atlantic Combines Sailing, Speed, Adventure, And Science In A Very Cool Way
The inaugural Ocean Race Atlantic 2026, is a high-speed transatlantic sprint from New York City to Lorient, France that leaves September 2
Colorado redistricting limits measure heads to November ballot
A proposed constitutional amendment that would prohibit Colorado’s congressional maps from being redrawn outside of election cycles has qualified for the November ballot, according to the Secretary of State’s Office. Under Initiative 256, redistricting changes for the 2028 election and beyond would be prohibited unless approved by the Congressional Redistricting Commission and the Supreme Court. […]
New 4 You: Exciting Entertainment
This week on New 4 You, a new ear-piercing store opens, an inaugural festival gets underway and a theater group puts on its first show.
Virtual e-health system safely monitors cardiac devices and cuts costs
A virtual e-health system (VIRTUES) was as safe and effective as standard care for monitoring the function of cardiac implantable electronic devices, with the benefit of cost savings and patient satisfaction.
Kalshi bans ex-Rep. Santos after concluding he likely was insider trading
On the eve of Trump’s speech, Kalshi put the odds of Santos attending at close to 75%.
USM creates one-stop shop for business support
Activities of USM's School of Business are moving to the Wishcamper Center, alongside the university's Office of Commercialization and near the Portland office of the Maine Small Business Development Center.
Brian Cashman failed Yankees fans & Aaron Boone
The Yankees roster issues have been exposed this season more than ever.
Florida Gators Receive Bold Prediction Ahead of 2026 Season
The Florida Gators have received a major prediction ahead of Jon Sumrall's first season with the program.
Patriots agree to trade with Vikings for veteran offensive lineman
The New England Patriots reportedly agreed to a trade with the Minnesota Vikings for offensive tackle Walter Rouse.
Health officials identify potential exposure locations in Madison County
Health officials identify potential exposure locations in Madison County
Health officials identify potential exposure locations in Madison County
Health officials identify potential exposure locations in Madison County
Health officials identify potential exposure locations in Madison County
Health officials identify potential exposure locations in Madison County
Health officials identify potential exposure locations in Madison County
Health officials identify potential exposure locations in Madison County
Health officials identify potential exposure locations in Madison County
Health officials identify potential exposure locations in Madison County
Health officials identify potential exposure locations in Madison County
Health officials identify potential exposure locations in Madison County
Denver Broncos waive inside linebacker Taurean York
According to Chris Tomasson of the Denver Gazette, the Denver Broncos have waived inside linebacker Taurean York.
Tom Holland Becomes Third-Highest-Grossing Actor Thanks to 'Spider-Man: Brand New Day'
The actor just made history.
Ravens hit with prediction that Lamar Jackson won't like
The Baltimore Ravens need to pay attention to this.
NC health officials warn of possible rabies exposure tied to petting zoo goats
Health officials are investigating a potential rabies exposure after several baby goats from a mobile petting zoo tested positive for the virus.
Colorado Sues EarnIn For “Immoral, Unethical, Oppressive and Unscrupulous” Business Practices
Hey all, Jason here. When this hits your inbox, I should be en route to the airport — not to go anywhere myself, just to pick up my better half. I must admit, it’s been strange to be home alone (well, with two dogs) for two weeks! Really lets me “optimize” to spending more time on reading/writing/working, whether that’s healthy or not! Looking forward to getting back into a (somewhat) more balance routine. Subscribe or Support by Upgrading Compare Notes With the People Who Built Modern Fintech Partner content: Remitly CEO Sebastian Gunningham. Increase founder Darragh Buckley. Linda Du, Co-founder & President at Valon. They’ll unpack the decisions behind building and scaling major financial products: what they got right, what broke, what they would do differently, and how AI and new infrastructure are changing the operator playbook. Most events tell you where fintech is going. NerdCon puts the people who built the present in the room and asks them what comes next. Expect an operator-led conversation grounded in real products, real trade-offs and lessons earned the hard way. Fintech Business Weekly readers save 20% on Regular tickets with code FBW20 before standard pricing ends September 11. Meet the Builders Things To Know & Other Good Reads Advent and Stripe Abandon $50 Billion Pursuit of PayPal (Bloomberg) Trump Family’s New Crypto Bank Is Backed by Abu Dhabi Sheikh (Wall Street Journal) The multiplying risks of financing data centres (FT) Let the Bond Market Speak (Wall Street Journal) Did we waste a crisis? Modest proposals to reform deposit insurance. (Fintech Takes Banking) Untangling Guggenheim: How Private Credit Built Its Own Universe (Net Interest) The Hater’s Guide To Circular Financing — Part One (Ed Zitron) Fiat Ventures Rebrands to FGV Capital, Announces $35M Oversubscribed Fund II (BusinessWire) Socure Announces Strategic Growth Investment at $5.2B Valuation and Acquires Agentic Operations Platform Fravity (Socure) Listen: When Consumer Protection Disclosures Work Too Well (Consumer Finance Monitor Podcast) Colorado Sues EarnIn For “Immoral, Unethical, Oppressive and Unscrupulous” Business Practices When Andreessen Horowitz led EarnIn’s $39 million Series B in 2017, Alex Rampell, a partner at the storied venture capital firm, described EarnIn’s small-dollar advance product as “free,” relying on “entirely on voluntary contributions instead of fees.” Rampell favorably compared EarnIn’s approach to typical payday loans, writing, “Payday loans historically have had the potential to be a slippery slope for consumers into financial distress: opaque systems and steep fees that are hard to repay and set individuals back further than where they started. For many Americans living paycheck to paycheck, that kind of slide into debt can be extremely difficult to recover from.” But EarnIn’s product — which, the company says, isn’t a “loan,” legally speaking — ends up being anything but free for most users. While it is technically possible to take a no-fee advance from the company, most users incur “Lightning Speed” (instant funding) fees and/or ostensibly optional tips that combined can equate to annualized percent rates that can reach over 1,000%. With an average term of 9.77 days, even fees and tips that are small on an absolute dollar basis are equivalent to high APRs on an annualized basis. A lawsuit filed last week by Colorado Attorney General Phil Weiser against EarnIn describes the company and its product and business practices quite differently than Andreessen’s Rampell; “EarnIn’s business practices are unfair because they are immoral, unethical, oppressive and unscrupulous,” the complaint, filed in District Court in Denver, Colorado, says. EarnIn’s marquee product, Cash Out, isn’t a loan, the company says, as Cash Out is not “[f]orward [l]ooking” because “[t]he money is transferred based on earnings to date,” does not carry a mandatory fee to access funds, and is “non-recourse,” meaning EarnIn cannot pursue recovery from users who don’t repay advanced funds. EarnIn is sometimes referred to as an “Earned Wage Advance” service. Though, unlike some others in the broader category, EarnIn does not integrate with employers’ payroll or time and attendance systems. Rather, EarnIn attempts to verify a user’s income and employment, by examining direct deposit transaction data in their linked external bank account, by using GPS location and Bluetooth data to estimate a user’s time spent at work, if they work in a fixed location, and/or by having a user provided a work email address. While repayment is theoretically optional, as EarnIn would have no recourse, such as reporting non-payment to the credit bureaus or a collections agency, this is anything but clear to users of the EarnIn app, Colorado’s complaint argues. During the process of taking a Cash Out, users must agree to a preauthorized debit of the amount advanced, plus any expedited funding fee and/or tips. Though users technically can revoke this ACH authorization, the fact that they have this right isn’t presented to users during the Cash Out process, but rather is included in linked terms and conditions few users are likely to actually read. And users who do wish to revoke their ACH authorization must do so three or more days before the scheduled transaction date by emailing EarnIn’s customer support. Similarly, EarnIn’s marketing claims that it carries “no interest” and “no mandatory fees” is technically true, but is not the reality for many of the app’s users, the Colorado complaint argues. Further, EarnIn has extensively marketed to users the ability to “access your pay today,” to get “instant” funds, and to get funds “the same day you work” — when, in reality, this speed of access was only possible by paying the additional, undisclosed Lightning Speed fee. The Colorado complaint highlights this contradiction specifically, noting: EarnIn tells consumers that they can ‘Make any day payday with EarnIn’ and that there no ‘hidden’ or ‘mandatory fees.’ For a consumer to access their pay on the same day requested, they would have to pay the Lightning Speed fee. In the fine print of the advertisement EarnIn discloses that ‘[f]ees apply to use Lightning Speed,’ a direct contradiction to the larger text of the advertisement, and a fact that would not be immediately understood by a consumer as ‘Lightning Speed’ is not defined nor explained. Like other small-dollar lending services, rather than explicitly charge interest, EarnIn collects a markup on the optional Lighting Speed fee, which, given the nature of the transactions, many users opt for, as well as offering users the option to leave “tips.” EarnIn leverages either Real-Time Payments (RTP) rails or push-to-card via debit rails if a user opts for the optional Lightning Speed. But while these capabilities cost EarnIn, on average, $0.075 or $0.20 per transaction, respectively, EarnIn charges users significantly more. Initially, EarnIn charged as little as $1.99 for Cash Outs up to $24. But EarnIn has hiked these fees multiple times, and now charges $4.99 for Cash Outs up to $75 and $6.99 for those over $75. According to the Colorado complaint, EarnIn leverages “dark patterns” to manipulate users and to make it more difficult to avoid tipping. Examples of these “road blocks” highlighted in the complaint include: As of 2023, in the EarnIn app, a consumer attempting to get a loan under the default settings had to make at least eighteen separate taps to complete the transaction and reduce the tip to $0. There is an alternative method to leave a $0 tip, via the “Custom tip” feature, but EarnIn made this option difficult to access by visually deemphasizing it and positioning it near devices’ “home” button. Using language and imagery such as “Tip to pay it forward,” “Your generosity supports the service + helps,” “Your tips make a difference,” and “[t]he APR for this cash out is 0%. Your tips help support us.” While Lightning Speed and tipping are, in theory, both optional, in practice, users nearly always ended up paying something. According to the Colorado suit, users were charged either a tip or an expedite fee for more than 92% of transactions, with an average APR of nearly 388%. And, although the advances are “non-recourse,” EarnIn successfully collects on nearly all transactions — 99.18%, according to the complaint, which, Colorado argues, “demonstrat[es] that EarnIn’s advances function as high cost loans, not voluntary payments.” The share of EarnIn users incurring fees — despite the product being marketed as 0% APR — is hard to reconcile with Andreessen investor Rampell’s favorable description of EarnIn vs. “opaque systems and steep fees” associated with payday loans, which, Rampell says, can be “extremely difficult” for borrowers to extricate themselves from. According to Colorado’s suit, EarnIn’s Cash Out product “trapped many consumers in extreme cycles of high-cost reborrowing.” The suit gives an example of one consumer in the state, who took out a whopping 1,151 loans, paying a total of $4,038.50 in Lightning Speed expedited funding fees on loans that averaged the equivalent of 1,421% APR. Another Colorado user, the suit says, took out 1,033 loans, paying $8,561.22 in tips and fees at an average APR of 1,539% . These types of usage patterns demonstrate “the severe and repeated financial harm caused by EarnIn’s illegal lending model,” the Colorado complaint argues. In aggregate, from January 2023 through July 2025, EarnIn extended 3.1 million loans to 56,778 users in Colorado — an average of nearly 55 transactions per person during the time period. EarnIn lent more than $300 million and collected more than $16 million from Colorado users in Lightning Speed fees and in tips. Ultimately, the Colorado complaint argues that “EarnIn’s Cash Outs are loans under Colorado law, and EarnIn’s contention that its product is not a loan based on its disclaimer of any legal repayment obligation lacks any real-world significance given how the Cash Out transactions actually operate in practice.” Colorado further argues that “EarnIn was not working with companies here in providing consumers with funds but acted as a third-party lender and charged illegally high rates, used deceptive design strategies to extract some charges, and trapped consumers in repeat borrowing. Colorado will continue to stand up for consumers and hold companies accountable when they violate our credit laws or attempt to evade them through misleading practices.” Colorado’s suit alleges EarnIn assesses finance charge in excess of that permitted by Colorado law, that EarnIn failed to make legally required disclosures to Colorado borrowers, that EarnIn made supervised loans to consumers without obtaining the requisite license, that EarnIn violated the state’s Deferred Deposit Loan Act, that EarnIn engage in unfair and deceptive trade practices, and that EarnIn made false or misleading statements concerning price. The suit seeks a court order enjoining EarnIn from violating relevant Colorado laws, for EarnIn to refund amounts charged in excess of state law, fees, costs, and penalties, and other relief the court deems to be just. Fintech Business Weekly is made possible by the generous support of paying subscribers — bringing you independent analysis of banking, fintech, and crypto without fear or favor. You can support my work by becoming a paying subscriber if you aren’t already. Paying subscribers enjoy: access to the entire archive of nearly six years of newsletters extended versions of the weekly newsletter, with additional content and analysis and (for founding member tier) quarterly personal 1:1 fintech Q&A / strategy calls with me, tapping into my unparalleled knowledge of the intersection of banking and fintech and experience working in the sector, including helping to launch Goldman Sachs’ retail bank Marcus Support Fintech Business Weekly You can also support Fintech Business Weekly by sponsoring a newsletter or podcast, putting you in front of 93,000+ of the most influential decision makers in banking, fintech, and crypto. Learn more about sponsor opportunities or request a media kit by dropping me an email. Q2 Quarterly Banking Profile: Five Quick Takeaways The FDIC released its quarterly banking profile, which is always worth a read, for the second quarter. The profile provides an aggregate snapshot about the overall health of the 4,238 institutions whose deposits are insured by the FDIC, who, collectively, hold more than $26 trillion in assets and saw a total net income of more than $90 billion in the second quarter. Net income was up 12% vs. Q1 2026, with lower provisions and realized gains on securities helping to drive the improvement, somewhat offset by increases in non-interest expense and applicable income taxes. Overall net interest margin was basically flat quarter over quarter (up 1 basis point vs. Q1 2026), though community banks saw NIM grow by 10 basis points, to 3.81%. Unsurprisingly, given that interest rates haven’t changed, unrealized losses on securities changed little, edging up slightly to $326.7 billion vs. $325.1 billion in Q1 2026. Aggregate credit quality has remained benign, with asset quality actually improving slightly in Q2. Overall, institutions reported a 9 basis point decline in their past-due and non-accrual rate, to 1.44%. Net charge off rate also declined by 2 basis points, to 0.57%. And finally, the FDIC’s deposit insurance fund stands at $161.1 billion, making the DIF reserve ratio 1.48% — above the statutory minimum of 1.35%, but still below the designated target reserve ratio of 2%. [Paid Subscriber Exclusive] Nissan Withdraws ILC App, State Associations Plan BankChain Alliance, FDIC Defines “Unsafe or Unsound Practice” For First Time Automaker Nissan withdrew its application to charter a Utah industrial loan company and its corresponding application to the FDIC for deposit insurance last week, on August 19th. Nissan’s application had been outstanding for more than a year, as it originally applied in June 2025. Recent applications to the OCC to form national banks have been decisioned, one way or the other, substantially more quickly than has historically been the case.
Kuminga Agent Reveals Why Defense Won Over Lakers Money
Jonathan Kuminga's agent explains the real reason he chose the Timberwolves over the Lakers. Defense, not cash, drove the move.
David Carr Warns Rams About ‘Terrifying’ Situation Around Matthew Stafford
The Los Angeles Rams received strong words from former NFL stars David Carr and Gerald McCoy, including about Matthew Stafford. The post David Carr Warns Rams About ‘Terrifying’ Situation Around Matthew Stafford appeared first on HEAVY.
NDSU Boasts Head-Turning Stat Amid FBS Debut
North Dakota State opened the program's FBS era with a splash, and the CBS Sports Network broadcast pointed out a wild fact along the way. The post NDSU Boasts Head-Turning Stat Amid FBS Debut appeared first on HEAVY.
Laci Bohannan has memorable debut for Arkansas volleyball
The UCA transfer put down 15 kills in her Arkansas debut as the Razorbacks moved to 2-0 with their second straight sweep.
The all-time Unsung Heroes Awards honoree list
The Wichita Business Journal honors 60 indispensable employees across the region's organizations in the 2025 and 2026 Unsung Heroes Awards.
“It doesn’t serve me anymore to have this …
“It doesn’t serve me anymore to have this …
Explosion at THC extraction facility kills 2
The blast damaged at least 25 nearby businesses.
Explosion at THC extraction facility kills 2
The blast damaged at least 25 nearby businesses.
Updated George Pickens Fantasy Outlook 2026: Can the Cowboys Star Replicate Last Year’s Success?
George Pickens saw his fantasy football stock get unlocked during his first season in Big D, and the 25-year-old carries lofty expectations into 2026 as a result. The big question is about the type of stat line he can provide if CeeDee Lamb stays on the field, a worry that drafters don’t seem to have.
Music legend’s husband denies she has dementia after performance cutbacks, troubling reports
Recent concerts have left fans and tour staff worried about her health.
UFC Shanghai live results, highlights and play-by-play
UFC Shanghai results, highlights, live discussion and instant play-by-play, reactions and analysis.
Packers Preseason Game 3: Some statistical nuggets vs. the Cardinals
Digging into some early numbers on the Packers thrilling preseason win over the Cardinals
Chicago couple's COVID hobby expands into thriving bagel business
Measles deaths reported in Pennsylvania spark fight among politicians and health officials
NEW YORK — The recent announcement of Pennsylvania’s first measles-related deaths in decades has ignited a public feud among politicians and health officials who disagree over the role of the contagious disease in the fatalities.
Sports Overtime: Week 1 (Friday, Aug. 28, 2026)
Watch highlights and view scores from Week 1 of the 2026 NSAA football season.
Tickets on sale for Luzerne County Arts & Entertainment induction ceremony
KINGSTON — Tickets are on sale for the Luzerne County Arts & Entertainment Hall of Fame induction ceremony, set for Saturday, Oct. 3, at the Kirby Center for the Creative Arts on the campus of Wyoming Seminary.
'We need something right now': Arkansas basketball coach John Calipari on NCAA eligibility rules, Protect College Sports Act
The Razorbacks coach, speaking on The Sideline with Andy Katz, again stated he was in favor of the Protect College Sports Act despite some of his objections to parts of the legislation.
Interview with the Enemy: Dallas Cowboys
David Halprin joins us for Week 3 of IWTE: Preseason Edition.
Labor Department to propose expansion of association health plans, which could lower insurance costs for some workers
The agency has submitted a rule proposal to the White House that could allow more workers to get health insurance through association health plans.
Steelers Now Postgame: Bills 28, Steelers 27 (Preseason Week 3)
Pittsburgh Steelers Postgame: Join Alan Saunders and Jobe Morrison from Acrisure Stadium after the Steelers’ preseason loss against the Bills […] The post Steelers Now Postgame: Bills 28, Steelers 27 (Preseason Week 3) appeared first on Steelers Now.
‘Turned upside down’: Lawyer describes impact of FBI raids on Behavioral Health CEO
The Literacy Crisis Reaches Dog-Bear Science
“New analysis of more than 300 bear encounters suggests our canine companions often increase odds of conflict and rarely serve as early warning systems many recreationists assume,” reads a subhead in Mountain Journal. The thing is, that study reaches no such conclusion. But you have to read beyond the abstract to understand that. Mountain Journal is not alone. Let’s look at a brief list of takeaways published elsewhere just to establish that none of them seem to know how to read science. Wes Siler’s Newsletter is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Subscribe Here’s CBC: “A new peer-reviewed study, The Canine Conundrum: Is a Dog a Help or Hindrance in Bear Country?, dug into conflicts similar to what the video depicts, by analyzing 326 reported human-bear conflicts from 1901 to 2023 involving dogs.” “The study found 54 per cent of conflicts were started by dogs. In the encounters researchers included in the study, five people and 56 dogs were killed, and 170 people were injured.” “Lana Ciarniello, an independent researcher who co-authored the study, said researchers found when a person goes hiking with at least one other person, the odds of a negative bear encounter decrease by 50 per cent.” “However, when a dog is involved, the chances of a negative bear encounter increase because ‘a dog really adds a chaotic factor into the mix of recreation,’ said Ciarniello.” Again, the study finds no data supporting that conclusion. “Hiking with your pet dog may make you feel safer in bear country—but a hiker’s recent encounter and a new study prove that the numbers don’t add up,” writes Backpacker, which is now part of Outside. The numbers don’t add up to support this take. There’s plenty more examples, but all are equally dumb, so I’ll stop there. How did so many people get this so wrong? Three reasons: 1) the study is published behind a paywall, with only the abstract freely available. 2) the methodology sets out to create work relevant to a hyper-specific audience, not the public. And 3) the dataset studied is almost absurdly limited and doesn’t bear (get it?!) comparison to wider information. Let’s work through all three. The Problem is Money I understand the irony, since I’m writing about this on a subscription-model newsletter, but information wants to be free. The study is published by The Wildlife Society and costs $16 to access. Reprinting it is specifically prohibited by the terms of use, so I can only share snippets and my conclusions with you here. Having worked as a journalist for 24 years, I can report with some authority that journalists are both lazy and cheap. I don’t think it’s a stretch to say that much of the material you’re seeing written about this study is drawn from the freely-available abstract (above) only, and not a deep dive into its methodology or data. And that’s a problem, because abstracts are where researchers are able to break from their numbers and editorialize their opinions about conclusions. So what’s getting reported isn’t based on numbers, it’s based on an opinion designed for a specific audience, not the general public. Hell yeah ladies, kick that bear’s ass. The Methodology is Designed to Support a Predetermined Conclusion One of the biggest issues with the science that everyone likes to cite about bear spray’s efficacy is that no one understands that study was designed for a specific audience, looking for a specific answer. And since that audience is not the public, and our safety was not the question being asked, its conclusion is rendered irrelevant to our needs. Yes, I’m talking about Efficacy of Bear Deterrent Spray in Alaska, which was created by Tom Smith and Stephen Herrero, two of the same scientists who put together this dog-bear conflict analysis. In the spray study, the purpose was to present relevant agencies with the information they needed to issue their field workers with bear spray. As such, incidents where people were unable to access the spray or similarly failed to get it deployed in time were excluded from the results, and only incidents they deemed successful were included. Could a ranger roll down their vehicle’s window and scare a bear away from a dumpster by spraying it? Turns out the answer was yes, and that was good enough for the purposes of that study. The sample size of actual bear attacks—the thing you and I would want bear spray to provide a solution to, was too small to draw conclusions from, and didn’t indicate success in that role. Is a Dog a Help or Hindrance in Bear Country? has similar limitations. “Insights provided here are intended to help wildlife managers create effective guidelines regarding the presence of domestic dogs in bear habitat,” is explained clearly by the study’s text. To conduct the study, Smith and Herrero went looking for publicly available reports of dog-bear conflicts: “All incidents included in our analysis involved at least one bear, one dog, and one person who was at immediate risk of injury (e.g., not in a protective structure such as a cabin or vehicle), injured, or killed,” explains the report’s methodology. Why is that a problem? “We recognize that data used in this study are biased in that people generally only report adverse interactions with bears, not benign ones. Consequently, we assume that for the most part, people and their dogs pass through bear country without incident.” As was the problem with the bear spray study, people are drawing conclusions here from a study that was never intended to be relevant to the general public. The Smith-Herrero database famously excludes Alaska’s Defense of Life and Property records, which are elsewhere considered the largest and most authoritative source on human-bear conflict. The Dataset is Absurdly Limited A 2009 study conducted by the Washington Department of Fish & Wildlife estimates that each year there are at least 43,000 documented complaints of human-bear conflict across North America. Is a Dog a Help or Hindrance in Bear Country? Examined those reports for years ranging from 1901 to 2023, and only managed to find 326 such incidents that met the criteria explained above. Let’s do some quick math, poorly. 43,000 incidents x 122 years = 5,246,000 total incidents of documented human-bear conflict. Smith and Herrero were only able to find 326 incidents that met their criteria for dog+human+bear+risk or occurrence of injury. That means there’s a 0.006 percent chance that the study’s conclusion—that dogs make bear encounters more dangerous—even gets a chance of occurring. And remember, that’s only in documented conflicts. There’s no way to know how many people across North America run into a bear in any given year without any conflict, but it’s probably safe to assume that the total number is well in excess of 43,000. And, dig deeper into the study and you can find further restrictions that skew its conclusions even more. “While the people involved in these incidents did not report the level of training their dogs had received, it is our assumption that most were untrained companion dogs as opposed to well-trained bear dogs, such as Karelians and livestock guardian breeds that have proven to be significant aids in bear country,” the study’s methodology explains. And that’s a problem, because an ongoing study here in Montana is finding that the simple presence of a Kangal like our youngest dog Teddy can reduce visits to private property from grizzly bears by 87.8 percent. In addition to being a badass, Teddy is also a companion animal. And in my admittedly limited sample size of the three dogs currently present in our living room, she’s no more effective than her mutt brothers. Plenty of people own a dog capable of deterring bears, even if they didn’t set out to own a bear dog. The real purpose of this study appears to be a recommendation that leashes are mandated and recreationists pursue training in their deterrent of choice. But that doesn’t make for sensational headlines. Are There Any Real Takeaways Here? Let’s throw some numbers around, just to try and get our hands around what the larger picture might look like for bears and dogs here. The American Veterinary Medical Association estimates that 42.6 percent of American households own a dog. The Canadian Animal Health Institute says roughly 35 percent of households in Canuckistan own a dog. In an attempt to create the worst possible result for dogs, let’s run with that 35 percent number. And given that outdoorsy and rural people are more likely to both own a dog, and have bear encounters, let’s just make a giant assumption and apply that number to those 43,000 conflicts documented annually. If 35 percent of 43,000 human-bear encounters involve a dog, then we can assume that at least 15,050 dog-bear conflicts are occurring annually in North America. 15,050 x 122 = 1,836,100. Smith and Herrero were only able to find 326 incidents that met their human, dog, chance or occurrence of injury criteria across 122 years. And only 170 documented human injuries. So, with all the obvious caveats about these numbers in no way describing reality beyond narrow study parameters, what they actually found is that your risk of injury if your dog tangles with a bear is only 0.009 percent. I’ll take those odds next time I’m hiking my dogs in bear country. Top photo: “Superintendent Horace Albright, eating pancakes with bears, at Lake Lodge, Yellowstone National Park.” NPS. A journalist with more than two decades of experience working around the world, Wes Siler is here to cut through the outrage and disinformation to bring you the factual, insightful, actionable reporting you need to understand what’s going on. Upgrading to a paid subscription supports this reporting, and buys personal access to Wes, who will help you save money on gear, plan outdoor adventures, and prepare for real life, and who promises he’s less salty in real life than he sometimes comes across as on the Internet. Wes Siler’s Newsletter is a reader-supported publication. 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