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Wisconsin Better Business Bureau warns of text, phone scams amid new study
The Wisconsin BBB released a new study showing the damaging impact of text and phone scams with tips on how to protect yourself from them.
Giants’ Braxton Berrios decision comes with a surprising catch
The Giants are releasing veteran return specialist Braxton Berrios, but there’s a surprising twist that could have him back in New York just in time for Week 1.
Notes from the Geetar: Stranger in a Strange Land
I must confess reticence ever since the Notre Dame vs Wisconsin game at Lambeau Field was announced and we here at NDNation decided to make it our official tailgate game. My dear friends who are Green Bay fans have attended many games there.
Wisconsin High School Football Rankings: Top 25 Teams
The top five high school football teams in the state of Wisconsin remain unchanged — according to the Massey Ratings — following the second week of the 2026 season. Sixteen of the top 25 teams in the state remain unbeaten. Both No. 3 Bay Port and No. 5 West De Pere held serve with important […]
3 takeaways as Pitt routs short-handed Wisconsin volleyball
No. 6 Wisconsin volleyball was blown out in a three-set loss to No. 4 Pittsburgh. The Badgers are now 1-3 so far in the 2026 season.
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.
Tech Bans Are Not Going to Solve the Youth Mental Health Crisis
Curbelo and Bullock: The goal should not be to raise a generation sheltered from technology but to help them use it wisely, critically and responsibly.
iPhone Ultra could turn out to be an unwise long-term decision
Replacing the display could cost as much as buying a new iPhone.
Rams WR Puka Nacua spotted dancing at a Jewish Bat Mitzvah eight months after offensive gesture backlash
Los Angeles Rams wide receiver Puka Nacua was seen enjoying himself and dancing at a Jewish Bat Mitzvah in LA on Sunday
Hemp business owner reacts to arrest
JANESVILLE, Wis. (WKOW) -- Hemp 1848 owner Jerry McCoy said he believes his arrest on suspicion of selling illegal THC products was racially motivated.
Odell Beckham Jr.’s NFL comeback gets a curious twist as insider questions John Harbaugh’s latest words
Odell Beckham Jr. ’s NFL comeback has taken another twist after Giants head coach John Harbaugh made a telling choice of words about the veteran wide receive...
Bills inform punter Wishnowsky he will be released, AP source. Hardman among 13 players cut by team
The Buffalo Bills informed veteran punter Mitch Wishnowsky that he is being released as the team began making its cuts for the start of the season, a person with knowledge of the discussions told The Associated Press on Saturday. The person said Wishnowsky’s release will be made official on Sunday, when all NFL teams are required to establish their 53-player rosters. In the meantime, the Bills announced cutting 13 players on Saturday, including veteran receiver/punt returner Mecole Hardman.
El-Sayed apologizes for comments he made responding to an attack on a Michigan synagogue
Abdul El-Sayed, the Democratic nominee for U.S. Senate in Michigan, has apologized to the state's Jewish Democratic Caucus | WWJ Newsradio 950
El-Sayed apologizes for comments he made responding to an attack on a Michigan synagogue
Abdul El-Sayed, the Democratic nominee for U.S. Senate in Michigan, has apologized to the state's Jewish Democratic Caucus.
El-Sayed apologizes to Jewish Democrats for statement about synagogue attack
Michigan Democratic Senate nominee Abdul El-Sayed apologized to Jewish Democrats on Saturday for saying “hurt people hurt people” as part of his response to a March attack on a synagogue near Detroit.
What courageous citizenship really looks like
By Vince Bzdek What exactly is courage? Ernest Hemingway famously called it grace under pressure. Mark Twain wrote that “courage is resistance to fear, mastery of fear — not absence of fear.” C.S. Lewis refined that even more: “Courage is not the absence of fear, but acting despite it.” Is there a particular kind of […]
Report: Eagles waive seventh-round safety Cole Wisniewski
The Eagles waived seventh-round safety Cole Wisniewski and plan to add him to the practice squad if he clears waivers.
Artemis II astronauts receive nation's highest space honor for their successful moonshot
Reid Wiseman, Victor Glover, Christina Koch and Jeremy Hansen received the Congressional Space Medal of Honor
Our son recently cut us out of his life over politics — should we cut him out of his $5 million inheritance?
Family friction can change estate planning decisions significantly, but it doesn’t have to be that way.
Statins can safely cut risk of heart attacks or strokes in healthy people aged over 70, world-first clinical trial shows
Australian-led trial finds low risk of side effects from common cholesterol-lowering medication for otherwise healthy older people
Shohei Ohtani Makes Mysterious Decision Days Before Dodgers Pitching Return
Dodgers superstar Shohei Ohtani looks to be close to a pitching return, but his final step before returning to the mound had an unexpected twist.
‘Big Brother’ host Julie Chen Moonves reveals the former houseguest she wanted back (exclusive)
Speaking exclusively to Entertainment Weekly, ‘Big Brother’ host Julie Chen Moonves reveals the former houseguest she wanted back via a power, and how the new twist will take the game to a ‘Whole. New. Level.’
Lewis Lines Names Jackie Trimble as Director to Spearhead Growing Entertainment Division
The renowned Gen-Z-owned public relations firm based in LA, Lewis Line, announces the appointment of Jackie Trimble as Director of
Free-falling atoms in space put a new twist on Galileo’s gravity test
Rubidium atoms on China’s Tiangong space station fell with the same acceleration, upholding a cornerstone of Einstein’s general theory of relativity.
ABC Developing Drama Series 'The Undertaker' From Gabriel Garza
ABC is developing The Undertaker, a police procedural based on the Swiss series Der Bestatter, from Gabriel Garza, Hanelle Culpepper, 20th Television.
Dolly Parton’s advice on running a successful, sprawling business empire: ‘Rely on “higher wisdom,” look your best, and don’t boss anyone around’
“Rely on ‘higher wisdom,’ look your best, and don’t boss anyone around.”
This Week in Science: Ocean 'Backrooms', Plastic Cookies, And More!
Our weekly science news roundup.
Video in competitive congressional race spotlights challenge of regulating AI-generated political content
In Wisconsin, a recent example can be found on the campaign social media of U.S. Rep. Derrick Van Orden, R-Prairie du Chien, who is running a competitive reelection bid.
Gage Larvadain Shows Versatility, Worth in Final Preseason Game
Wide receiver and return man Gage Larvadain might not be the flashiest guy, but the Swiss Army Knife is the type of player every NFL team likes to employ.
Hamilton handed stern warning over handling of Ferrari frustration
Former Formula 1 driver Ralf Schumacher believes Lewis Hamilton should have handled his radio frustration at Zandvoort differently, arguing that a driver of his age, experience and standing within the sport should have shown greater restraint. Alongside Lando Norris’ victory, one of the main talking points to emerge from the Dutch Grand Prix was Lewis Hamilton’s frustration with Ferrari.
Janesville's Movies 16 closes after years of operation
JANESVILLE, Wis. (WKOW) -- Thursday was the final day of operation for Movies 16 in Janesville, the city's only movie theater.
Caviar launches wild iPhone 17 Pro with Geiger counter, titanium body, and Swiss watch
Caviar launches a custom iPhone 17 Pro with a built-in Geiger counter, titanium body, and Swiss watch, priced at $13,130 and limited to seven units.
Debra Lienhardt, RWJBarnabas Health Executive Vice President, Chief Business Development and Legal Officer, Honored as a Leading Woman in Business by NJBIZ
Debra Lienhardt, RWJBarnabas Health Executive Vice President, Chief Business Development and Legal Officer, has been honored as a recipient of the 2026 NJBIZ Leading Women in Business award, which recognizes women who have made a significant impact in New Jersey.
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. To receive new posts and support my work, consider becoming a free or paid subscriber. Subscribe
UAH Director of CSPAR, Dr. Gary Zank, Receives International COSPAR Space Science Award; Minor Planet Named in His Honor
A lifetime of probing the invisible forces that shape our solar system has earned a University of Alabama in Huntsville (UAH) researcher one of the highest honors in international space science, as well as an enduring place among the stars. Dr. Gary Zank, director of the Center for Space Plasma and Aeronomic Research (CSPAR) and a faculty member and former chair of the Department of Space at UAH, a part of The University of Alabama System, has received the 2026 Committee on Space Research (COSPA
Wisconsin congressman violates 'spirit' of state law regulating AI in campaigns
In the days leading up to and after the Wisconsin primary, Congressman Derrick Van Orden was posting AI-generated videos of his opponent Rebecca Cooke online.
Gift creates visionary program in the UW-Stevens Point Sentry School of Business and Economics
A major gift from the McPartland Family Foundation will drive the creation of a Future Leaders Program through the University of Wisconsin-Stevens Point Sentry School of Business and Economics.
Longtime NJ sports announcer's dream comes true in Phillies' radio booth
Longtime children's sports announcer Lewis Kalb went viral after he appeared in the broadcast booth at a Phillies game.
Longtime NJ sports announcer's dream comes true in Phillies' radio booth
Longtime children's sports announcer Lewis Kalb went viral after he appeared in the broadcast booth at a Phillies game.
‘Trojans, One and All’ wins USA TODAY Sports’ Readers’ Choice Award for best college fight song
Troy University’s fight song, “Trojans, One and All” has been selected as USA TODAY Sports’ 2026 Readers’ Choice Award for Best Fight Song. Announced online on Wednesday morning, “Trojans, One and All” placed first ahead of Michigan State’s “Victory for MSU,” USC’s “Fight On,” Navy’s “Anchors Aweigh,” Tennessee’s “Rocky Top,” Georgia Tech’s “Ramblin’ Wreck,” Wisconsin’s...Read More
'Survivor 51' cast: Meet the 21 new castaways battling for $1 million
The new season ushers in the 'Open Era' — and no twist from the show's past is off-limits.
How a 'psychic' horse named Clever Hans changed the way we do science
Do you sometimes wish that you had telepathic or other supernormal powers? About 100 years ago, some of the greatest minds in philosophy thought there were people who had such abilities. In fact, they ...
Michigan Dem AG turns on El-Sayed over terror attack response, warns of mentality that 'bothers me a lot'
Dana Nessel says Abdul El-Sayed's response to the Temple Israel attack appeared to make excuses for domestic terrorism targeting Jewish worshippers.
Rwandans love their milk bars. The health minister wishes they'd drink a little less
A big glass of moo juice — no, make that several glasses a day — is common in Rwanda. Is that too much of a good thing?
Maple Leafs Get Encouraging Prediction
The Toronto Maple Leafs got a very encouraging projection, even if it came with a not-so-pleasant twist to it. The post Maple Leafs Get Encouraging Prediction — With a Twist appeared first on HEAVY.
The iPhone Ultra surfaced in a gorgeous new Red color, but there's a wild twist
Is the iPhone Ultra also getting a hero color like the iPhone 18 Pro? Here's the truth.
Midlands business leaders gather for first Columbia Area Development Partnership Breakfast
The first annual Columbia Area Development Partnership Breakfast was held on Wednesday.
CRF Announces Late-Breaking Clinical Trials and Science to Be Presented at TCT 2026
The Cardiovascular Research Foundation (CRF) announced the late-breaking clinical trials and science selected for presentation at TCT 2026, the annual scientific symposium of CRF and the world’s premier educational meeting specializing in interventional cardiovascular medicine. This year’s conference will take place October 31–November 3 at the San Diego Convention Center bringing together leading investigators, clinicians, and innovators from around the world.
Marquette Men’s Soccer Preview: at Northern Illinois & at Wisconsin
The Golden Eagles dodged a loss through their first two matches and look to build on that on the road.
U.S. Chamber of Commerce endorses Rep. Derrick Van Orden
ALTOONA, Wis. (WKBT) — U.S. Rep. Derrick Van Orden announced Wednesday that he has received an endorsement from the U.S. Chamber of Commerce.
Stan Wawrinka Finally Gets His US Open Farewell
Swiss tennis legend Stan Wawrinka will get his final Grand Slam bow at Flushing Meadows after all. The three-time major champion and 2016 US Open winner has been awarded a men's singles main draw wild card for the 2026 US Open, the USTA confirmed, after Patrick Kypson withdrew from the tournament with an injury. It …
Dolly Parton’s musical will still hit Broadway after her death: ‘Dolly’s wish’
‘Entertainment Weekly’ confirmed that Dolly Parton’s ‘DOLLY: A True Original Musical’ will open as planned as was the late singer’s ‘wish.’
AMP Sports Helps Kick Off the 2026 Athletes First Tailgate Tour Presented by Visit Las Vegas in Green Bay September 6
Event to Feature Live Recording of The Echoes: A Podcast on the Notre Dame Fighting Irish with Mike Golic Jr. and Jessica Smetana GREEN BAY, Wis. – August 26, 2026 – Sinclair’s AMP Sports today announced they will help kick off the 2026 Athletes First Tailgate Tour presented by Visit Las Vegas in Green Bay...
"The Science of Artemis": An Interview with David Kring on This Week in Space
Washington, D.C.--August 26, 2026. Dr. David Kring, Principal Scientist at Universities Space Research Association’s Lunar and Planetary Institute recently spoke on the “Science of Artemis” on This Week in Space . Attached is a video of his interview. https://twit.tv/shows/this-week-in-space/episodes/224?autostart=false
Democrats Score Victory in Campaign Finance Court Case
Republicans had hoped that a Supreme Court decision allowing party committees to coordinate with candidates would also entitle them to lower ad rates. On Tuesday, an appeals court said otherwise.
Scientists unlock 'ancestral code' of banana family
Scientists have recently reconstructed the ancestral karyotype of the banana family, revealing how chromosome numbers decreased stepwise from 17 to 9–11 over evolutionary time.
Inside Swiss Brand NIANCE’s Longevity Ecosystem That Is Science-Backed
NIANCE is expanding to China and Cyprus while proving that true beauty lies in a holistic approach that treats skin and wellbeing from the inside out.
Lewis Line Names Jackie Trimble Director to Expand Entertainment Practice
Lewis Line has appointed Jackie Trimble as director of entertainment, adding an experienced entertainment publicist to its leadership team as... Read More
Antisemitic streamer finally makes Dem leader snap with rare rebuke: ‘Malicious’
House Minority Leader Rep. Hakeem Jeffries calls Hasan Piker's claim that Jewish Americans invite violence against themselves dangerous and antisemitic.
Elon Musk won't face election bribery charges in Wisconsin
The bipartisan Wisconsin Elections Commission in July referred two complaints to the Brown County district attorney’s office for possible charges.
Little 5 Points sneaker boutique Wish ATL closing after 22 years in business: "So thankful to Atlanta"
After decades in business, the owners of the popular Little 5 Points fashion and sneaker boutique Wish ATL plan to shut its doors for good.
Complex System Of Four Orbiting Stars Creates A Series Of Eclipses We've Never Seen Before
One of the most compact double-binary systems we've ever seen has something truly special going on.
Lewis Line Appoints Jackie Trimble as Director to Lead Growing Entertainment Division
Today, Lewis Line, the Gen-Z-owned public relations firm based in LA, announces the appointment of Jackie Trimble as Director of Entertainment, where she will lead strategy and execution as the firm expands from music into the wider entertainment industry.
Lewis Line Appoints Jackie Trimble as Director to Lead Growing Entertainment Division
/PRNewswire/ -- Today, Lewis Line, the Gen-Z-owned public relations firm based in LA, announces the appointment of Jackie Trimble as Director of Entertainment,...
Apple Watch Series 12 to Get Fitness Tracking Upgrades
Apple's new Apple Watch models will feature upgrades to fitness tracking, according to Bloomberg's Mark Gurman, who otherwise characterized this year's changes to the lineup as "minor". Apple's new Apple Watch models will feature upgrades to fitness tracking, according to Bloomberg's Mark Gurman, who otherwise characterized this year's changes to the lineup as "minor".
Stable Sea Expands WisdomTree Relationship With Two New Tokenized Funds for Business Cash
/PRNewswire/ -- Stable Sea today announced it is expanding its strategic relationship with WisdomTree (NYSE: WT), a global asset manager with more than $150...
Happy 35th Birthday, Linux!
Today is Linux’s 35th birthday so join me in wishing Linux many more awesome years to come and to celebrate its amazing journey.
Trump’s ‘Economic D-Day’ for Iran Must Overcome a Troubled History
The U.S. has spent 20 years promising ‘crippling sanctions’ on Iran. But the latest effort comes with a reverse twist, after military action failed to accomplish President Trump’s goals.
El-Sayed distances himself from Hasan Piker after controversial remarks about Jewish Americans
Abdul El-Sayed distances himself from Hasan Piker after the Twitch streamer's comments about Jewish Americans sparked a bipartisan backlash.
Kane Brown to perform free student-only concert at UW-Madison
MADISON (WKOW) — Global superstar Kane Brown will perform at an exclusive student-only concert at the University of Wisconsin-Madison on Sept. 5.
'Bigger, better and impossible to miss.' This business transforms balloons into spectacular pieces.
IDAHO FALLS — A husband-and-wife duo is transforming events with impressive balloon artistry, and they are always willing to take on a creative challenge. Shasti and Ryan Ballard own BLOW IT UP! Parties based in Idaho Falls opened the business in 2018. Shasti makes custom balloon arches and garlands. Ryan twists balloons to create animals […]
Japan eyes tax breaks for non-core business sales in governance reform push, sources say
Japan's government is considering tax breaks on gains from sales of non-core businesses, a move that could accelerate long-delayed corporate restructuring and spur industry consolidation, two people with knowledge of the matter said.
These Are The Cars You Wish You Bought When They Were Cheap
We all made the grave mistake of being born too late to be able to buy anything important at a reasonable cost.
Scientists checked 109 owl nests in Turkey and found live snakes inside 44% of them, with a surprising twist
A nest box occupied by a Eurasian scops owl might seem an unlikely place to find a live snake, yet that is exactly what researchers repeatedly encountered in central Türkiye. Across six breeding seasons, they inspected 109 owl nests and found the small worm snake Xerotyphlops vermicularis in 44% of them.
Edgewise Therapeutics Announces Upcoming Late-Breaking Science Presentation at the European Society of Cardiology (ESC) Congress 2026
/PRNewswire/ -- Edgewise Therapeutics, Inc. (Nasdaq: EWTX), a leading clinical-stage biopharmaceutical company focused on cardiovascular diseases, today...
How much has the U.S.’s wildlife changed since Lewis and Clark?
Ever wish you could have been part of the Lewis and Clark expedition? Us too. The Corps of Discovery came across scores of plants and animals that were new to Western science: Grizzly bears, ponderosa pines, a “barking squirrel” that William Clark would later call the prairie dog. A modern effort is underway to see how much the country’s wildlife has changed in the 220-some years since their journey. Host Nate Rott tags along with some scientists re-surveying a part of the expedition’s route in western Montana. And he wishes he was in better shape.Interested in more science in the news? Email us your question at shortwave@npr.org.Support public media with NPR+ and enjoy perks for over 25 podcasts like this one. This show’s perks include sponsor-free listening. Learn more at plus.npr.org.
Measles spread in Wisconsin; almost everyone made ill is unvaccinated, health officials say
Measles spread in Wisconsin; almost everyone made ill is unvaccinated
Swiss forward Embolo joins Atlanta United
Swiss striker Breel Embolo has signed for Atlanta United, the Major League Soccer club announced Sunday, in a deal reportedly worth $18 million.Last year the club splashed $22 million on Ivory Coast striker Emmanuel Latte Lath from English Championship side Middlesbrough.
Twisted Loc is celebrating six years of business!
Think you need 10,000 steps a day? Science says otherwise
The 10,000-step goal came from a 1960s ad campaign, not science. A new study reveals the real number you need for major health benefits
Think you need 10,000 steps a day? Science says otherwise
The 10,000-step goal came from a 1960s ad campaign, not science. A new study reveals the real number you need for major health benefits
Think you need 10,000 steps a day? Science says otherwise
The 10,000-step goal came from a 1960s ad campaign, not science. A new study reveals the real number you need for major health benefits
Think you need 10,000 steps a day? Science says otherwise
The 10,000-step goal came from a 1960s ad campaign, not science. A new study reveals the real number you need for major health benefits
Think you need 10,000 steps a day? Science says otherwise
The 10,000-step goal came from a 1960s ad campaign, not science. A new study reveals the real number you need for major health benefits
Think you need 10,000 steps a day? Science says otherwise
The 10,000-step goal came from a 1960s ad campaign, not science. A new study reveals the real number you need for major health benefits
Think you need 10,000 steps a day? Science says otherwise
The 10,000-step goal came from a 1960s ad campaign, not science. A new study reveals the real number you need for major health benefits
Think you need 10,000 steps a day? Science says otherwise
The 10,000-step goal came from a 1960s ad campaign, not science. A new study reveals the real number you need for major health benefits
Think you need 10,000 steps a day? Science says otherwise
The 10,000-step goal came from a 1960s ad campaign, not science. A new study reveals the real number you need for major health benefits
Think you need 10,000 steps a day? Science says otherwise
The 10,000-step goal came from a 1960s ad campaign, not science. A new study reveals the real number you need for major health benefits
Think you need 10,000 steps a day? Science says otherwise
The 10,000-step goal came from a 1960s ad campaign, not science. A new study reveals the real number you need for major health benefits
Think you need 10,000 steps a day? Science says otherwise
The 10,000-step goal came from a 1960s ad campaign, not science. A new study reveals the real number you need for major health benefits
Think you need 10,000 steps a day? Science says otherwise
The 10,000-step goal came from a 1960s ad campaign, not science. A new study reveals the real number you need for major health benefits
Building the beat: How New Orleans can grow the business behind the music
People dance to the music of the TBC Brass Band Photo by Michael DeMocker / The Times-Picayune This week New Orleans hosts the annual Cutting Edge CE Conference, which brings together members of the music industry, musicians, lawyers and others to learn about and discuss the latest changes in the business of making, producing and selling music. googletag.cmd.push(function() { googletag.display('ad-1492300'); }); The conference comes as AI and streaming are causing upheavals in the industry. Meanwhile, we’ve seen at least a partial collapse of the global festival industrial complex which has long been a key financial lifeline for many artists.All of that can feel a bit removed from life in New Orleans. After all, we are a city filled with music. On any given day or night, there are dozens of shows across the city, ranging from jazz and blues to hip-hop, bounce and house. Whereas in other cities kids dream of being the star of their local sports team, in New Orleans more often than not they dream of leading their own band.And music is a huge part of our economy. Before New Orleans was known as a foodie destination, it was already drawing millions of visitors from around the globe to experience our jazz, soul and funk scenes firsthand.But the reality is, if you want to make it big, you’re probably going to end up leaving the city. We’ve seen major performers like Lil Wayne, Master P and Jon Batiste (though he’s back on the Northshore) decamp to Los Angeles, Miami and New York. Likewise, up-and-coming musicians like Greer Grimsely, $leazy EZ and Lucky Daye have also left town in search of more profitable pastures.Meanwhile, our local universities train some of the best producers and engineers in the business — only to see them head to one of the big music industry cities after graduation.It’s not a new phenomenon, though the reasons have changed over the years. Like a lot of early jazz musicians, Louis Armstrong famously left New Orleans, first for Chicago before ultimately settling in New York City. But while those early migrations had more to do with racism, in today’s day and age, musicians end up leaving because New Orleans doesn’t have the industry infrastructure necessary to sustain the kind of growth and, well, success, a lot of folks dream of.It’s a hard, but very real, truth. Artists have to go to Nashville for publishing, Los Angeles for production, Atlanta to join a label or New York for representation. That, in turn, is a drain not only on the city’s talent pool but on money that could be staying here at home.Not being an industry town inevitably makes it that much harder for musicians who don’t leave to get the recognition and success they deserve. It also undoubtedly plays a part in keeping the wages working musicians in New Orleans make at their gigs here lower than in places like Austin or Nashville.That’s not to say we don’t have any of the infrastructure needed to make New Orleans a music industry town. We’ve got live music venues, studios, record labels, management companies, copyright attorneys ... all the various building blocks are there. We just haven’t ever built upon that solid foundation. googletag.cmd.push(function() { googletag.display('ad-1492297'); }); The question is how do we do that in a way that supports our existing industry and artists, respects our cultural traditions and ensures the wealth generated is equitably distributed so it isn’t just C-suite executives who end up reaping the benefits. And the time to start figuring out the answers is now: next year the legislature will focus on taxes and spending, making it vital that New Orleans leaders have a plan to try and secure funding to help grow our industry.So we asked a group of New Orleanians to give us their thoughts, ranging from industry attorneys and venue operators to working musicians and cultural advocates. Their answers point toward turning New Orleans into a music industry city without leaving musicians behind or abandoning what makes us the greatest music city on earth.If a dusty city like Austin can transform itself into a major hub not just for music but the industry behind it, surely the birthplace of jazz — and pretty much all modern music by extension — can figure it out as well. +3 Mailbox Money: The Recording Academy’s Reid Wick on supporting, and growing, New Orleans’ music industry Reid Wick has been a part of the New Orleans music landscape from virtually every angle. He'… California Dreaming: Pell discusses his time in L.A. and how New Orleans can help young musicians In 2015, New Orleans-born rapper Pell decided to make the move to Los Angeles. He was fresh … +2 Up from the street: To build a stronger music industry, support community first. At MaCCNO, most of our team aren’t just advocates, we’re also working musicians. Here are a … +2 Live and direct: Public investment in independent venues is key to a robust music economy. I’ve spent most of my adult life looking at the New Orleans music business from every side o… +2 Helping Hand: New Orleans doesn’t need more talent. It needs more infrastructure. People love to call New Orleans a music town. And they’re right. +2 \We out here: New Orleans doesn't need to be Austin. It's already a music industry city. +2 Futureshock: New Olreans has the music talent. Now it needs the innovation. New Orleans has long been known as a place for music creation and innovation. People travel … .donate-gambit-article-module-container { text-align: center; padding: 10px; /* background-color: #24da6d; */ background-color: rgb(153, 0, 0); margin-bottom: 20px; } .donate-gambit-article-module-title { font-weight: bold; color: #fff; } .donate-gambit-article-module-copy { color: #fff !important; font-size: 16px; } .donate-gambit-article-module-button { background-color: black; width: 50%; border-color: black; font-size: 16px; } .donate-gambit-article-module-button:hover { background-color: black; } @media only screen and (max-width: 600px) { .donate-gambit-article-module-button { font-size: 14px; width: 100%; } .donate-gambit-article-module-copy { font-size: 14px; } } BECOME A GAMBIT MEMBER AND JOIN OUR KREWE TODAY For more than 40 years, Gambit has covered New Orleans, for New Orleans. We’ve stood up to city hall with you, cheered the Saints with you, danced in the streets with you and cried over our collective loss with you. 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Scientists discover a real-life “dragon” and name it after Syrax
Scientists discovered a small, yellowish mountain horned dragon in Thailand and named it Acanthosaura syrax after a dragon from House of the Dragon. Found only in a narrow band of high-elevation forest, the distinctive new species could become a flagship for protecting its rare mountain habitat.
Cook County fall sports season begins with volleyball, cross-country competition
The Cook County High School fall sports season gets underway next week as the volleyball and cross-country teams begin competition on the road. The boys cross-country team will compete in its first meet at 10 a.m. Aug. 27 at the Chub Lake Cross Country Course. The meet will feature 10 other teams from across the...
NBC Sports reveals Wisconsin vs. Notre Dame Shamrock Series announcers
NBC Sports recently revealed the announcers for the 2026 Shamrock Series.
Artemis II crew to receive top US space medal for historic lunar journey
Reid Wiseman, Victor Glover, Christina Koch and Jeremy Hansen broke record for farthest distance traveled from Earth
Trump has long wanted to lose 15 pounds. Physicians wish he would.
Doctors say it’s worrying that the president has, according to his statements and those of aides, gained about 20 pounds since his campaign.