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Palmetto Sports Daily: SC State, Wofford win big in season openers
PSD returns with plenty of talk about SC State and Wofford’s season openers, plus news on A’ja Wilson and the Panthers finalizing their 53-man roster.
Lionel Richie hospitalized in St. Louis after summer of health scares and canceled concerts
Lionel Richie was hospitalized Monday in St. Louis after performing at The Muny, marking the latest in a string of summer health scares for the star.
Supreme Court clears way for White House ballroom construction to continue
The decision hands President Donald Trump a major political victory in his controversial bid to oversee the largest addition to the executive mansion in decades.
Trump says voters who oppose data centers will ‘kill the Golden Goose’
The president defends the server farms as polling shows sizable shares of Americans from both political parties are opposed to them.
CardVault by Tom Brady store to open in downtown Indianapolis
The Boston-based business co-owned by the former quarterback specializes in collectible cards ranging from sports stars to Pokemon to Magic: The Gathering.
'Furious' finale explained by Liz Meriwether, Emmy Rossum, and Lola Petticrew
Who killed Isabel? What happened to Jay? And what's next for Alice? Let's dig in.
OpenAI's ad business hits $1 billion annualized revenue run rate
OpenAI on Monday said ChatGPT Ads, the company's advertising business, has reached $1 billion in annualized revenue run rate, as adoption picks up and global expansion rolls out.
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.
OpenAI's ChatGPT advertising business posted $1 billion in annualized revenue
The roughly 200-day-old ad business is now available in more than 40 countries, with self-serve access expanding Monday
OpenAI's ad business shows blistering growth, hits $1 billion annualized revenue run rate
OpenAI's move to serve ads in ChatGPT earlier this year drew ridicule from its chief rival, Anthropic, in the form of a Super Bowl commercial.
Scientists challenge a 70-year-old “lizard brain” myth
A long-standing picture of brain evolution as newer, rational layers stacked on top of an ancient “lizard brain” may be deeply misleading. Researchers found that evolution instead appears to balance two competing styles of brain wiring, expanding one while shrinking the other depending on what an animal needs to survive.
Seoul National University of Science and Technology develops AI framework to test and improve vision-system robustness
A new artificial intelligence (AI)-based system shows how natural damage to traffic signs can mislead deep neural network (DNN)-based vision systems. The framework, AdvWT, uses a generative model to learn realistic damage patterns and then optimize them to trigger misclassification. Tests across multiple AI architectures showed strong attack success, transferability and physical-world robustness. The approach can identify vulnerabilities and improve AI generalization to real-world damage.
3 things to try to improve your brain health
Keeping your mind active can help offer protection for years to come.
Rising health care costs could take a bigger bite out of workers’ paychecks
Otto Graham says the increased costs of medication and rise in utilization are driving the potential effect for workers.
New England Patriots Trade Profile: A Closer Look at Offensive Tackle Walter Rouse
The New England Patriots traded for offensive tackle depth ahead of Sunday’s deadline to finalize the 53-man roster. We examine what Walter Rouse brings to the room in Foxboro.
Rising health care costs could take a bigger bite out of workers’ paychecks
Otto Graham says the increased costs of medication and rise in utilization are driving the potential effect for workers.
After a rough stretch, mRNA gets a boost
With clinical success on a personalized mRNA vaccine for melanoma, experts are hoping for a more stable future for the technology in other areas.
Cleveland Browns Elect to Keep Three Quarterbacks, Three Running Backs
The Browns finalized their 53-man roster, keeping three quarterbacks, but maybe one you didn't think. And, they kept three running backs -- and a fullback.
Trump says Venezuelan oil will lower gas prices. Analysts disagree.
Analysts say Venezuela needs years of investment to boost oil production, and that 65 billion barrels won't materialize overnight.
Cowboys Waive 129-Yard 2025 Draft Pick After Breakout Preseason
With the Dallas Cowboys closing in on finalizing their 53-man roster, there are more big names being let go from the team.Several interesting players are on the list of cuts. While most of the names are not surprising to many, one name has emerged that will have Cowboys fans’ attention.ESPN NFL insider Adam Schefter reported […] The post Cowboys Waive 129-Yard 2025 Draft Pick After Breakout Preseason appeared first on HEAVY.
Rising health care costs could take a bigger bite out of workers’ paychecks
Otto Graham says the increased costs of medication and rise in utilization are driving the potential effect for workers.
Eagles release rookie edge rusher Keyshawn James-Newby
Philadelphia released seventh-round rookie Keyshawn James-Newby while finalizing its initial 53-man roster.
Frederick filmmaker Brenda Emery talks scrappy, shoestring filmmaking
Frederick resident Brenda Emery has had a lifelong appreciation for movies of all kinds. The former college psychology major said she turned to film after realizing cinema was her stronger
53-Man Final Roster Prediction
Detroit has until 6 p.m. to finalize its 53-man roster, and several tough decisions remain. Here’s my prediction for who makes the cut and who could be left searching for a new team.
The Political Divide Isn’t Between Boomers and Gen Z
Rep. Maxwell Frost went on Jubilee’s 'Surrounded' for a debate about the generational gap. It’s smaller than most Americans realize.
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.
Syria continues to normalize with international business fair as credit card payments are back
More than 60 countries attended the fair, including key regional allies Saudi Arabia and Iraq, while Syrian President Ahmed al-Sharaa confirmed that credit cards are available again.
Hundreds of hidden earthquakes found at Antarctica’s Doomsday Glacier
Hundreds of previously overlooked seismic events have been detected beneath Antarctica, including 245 near the marine edge of the Thwaites Glacier. Many appear to be glacial earthquakes caused when huge icebergs break off, capsize, and collide with the glacier. The surge in activity coincided with a period when Thwaites was flowing faster toward the ocean, hinting that changing ocean conditions may be destabilizing the ice.
Rest for a priest not a luxury but a necessity for mental health, Nigerian Vatican official says
As part of a formation program, the secretary of the Vatican Dicastery for Evangelization urged priests to take time away from ministry to sustain their physical and mental health.
Republicans won Arkansas by nationalizing campaigns. Could that strategy backfire?
Republicans became the majority in Arkansas by telling voters the president’s party should be accountable for what happens in Washington. But that lesson might be theirs to learn this time.
Midday transfer round-up 💰
With two days to go before the summer transfer window closes in the major leagues, several major moves are in the works or close to being finalized. Here’s a roundup of the first official announceme...
These Democrats used to be Republicans — and hope that will help them win midterms
In races across the country, former GOP politicians are leaning into their pasts.
The 11 best new Netflix shows and movies for September, including 3 big returning favorites
"'The Gentlemen" and "Monster: The Lizzie Borden Story" lead a month packed with new Netflix originals.
Broncos Expected to Add ‘Intriguing’ Former Raiders Pass Rusher
The Denver Broncos are taking on David Agoha, adding the former Las Vegas Raiders prospect, once their roster is finalized. The post Broncos Expected to Add ‘Intriguing’ Former Raiders Pass Rusher appeared first on HEAVY.
Minnesota Timberwolves Facilitate Trade to Finalize Jonathan Kuminga Signing
The Minnesota Timberwolves have found the financial solution needed to make Jonathan Kuminga’s arrival official. Minnesota agreed Friday night to […]
WHO releases US$150 000 emergency funds to support Nepal’s flood response
The World Health Organization has released US$150 000 from the South-East Asia Regional Health Emergency Fund (SEARHEF) to support urgent health and other needs of the communities impacted by the devastating flash floods in Nepal, one of the worst tragedies in the country in recent times. “The emergency funds will support immediate response priorities. WHO is committed to supporting Nepal through the response and recovery efforts,” said Dr Nilesh Buddha, Officer-in-Charge, WHO South-East Asia Regional Office. Earlier, within hours of the flash floods on 26 August, WHO mobilized and dispatched essential emergency medical supplies, including an Interagency Emergency Health Kit that can cater to the health needs of nearly 10 000 people for 3 months, along with multipurpose tents.
Herring Gut Coastal Science Center's Learn-Discover-Grow Series: OCEAN GREENS
Seaweed in the past has been a misunderstood part of our marine world. Until recently it has always been seen through the lens of a slimy gross weed that no one likes to touch while swimming. Now, seaweed is being seen as a way to help diversify careers, feed livestock, and help solve climate change. This Learn Discover Grow event will focus on highlighting the importance of seaweed and how mid coast businesses are utilizing these ocean greens. First we will watch the film “Ocean Greens” (link below) online at the WaterBear network. We will then take time to talk to our wonderful guest speakers about how they use seaweed in their business! Our speakers are, Allison Lakin from Lakin’s Gorges Cheese, Gabriela Acero from wolfpeach, and Lauren & Greg Soutiea from the Causeway Restaurant at the Craignair. Watch the video ahead of time: Title of video: Ocean Greens Link: https://www.waterbear.com/player/62389235111f77a1b677ded9 Create an account, it's free. Guest speakers: Allison Lakin, Lakin’s Gorges Cheese at East Forty Farm Gabriela Acero, Wolfpeach Lauren & Greg Soutiea, The Causeway Restaurant REGISTRANTS WILL RECEIVE A ZOOM LINK PRIOR TO THE EVENT
Bessent says disorderly yen moves can destabilize global markets
U.S. Treasury Secretary Scott Bessent said disorderly moves in the yen could trigger "forced unwinds" of positions that risk destabilizing global markets and ultimately raising borrowing costs for U.S. households and businesses.
Liza Minnelli pays tribute to friend Dolly Parton
Liza Minnelli mourned the loss of her longtime friend Dolly Parton on Friday. Parton died at the age of 80 on Aug. 25.
Dogs may hold surprising clues to human longevity
Dogs and humans may have more in common when it comes to aging than scientists realized. Researchers with the Dog Aging Project found that patterns of small molecules in dogs’ blood were linked to longer or shorter lifespans in remarkably similar ways to those seen in people. These metabolic “fingerprints” could offer clues about the biological processes that drive aging, including metabolism, inflammation, and cellular stress.
How states’ fight over an ICE agent could open a new political battleground
Minnesota wants Texas to turn over an officer charged with shooting an immigrant. Such extraditions are usually routine, but in this case politics loom large.
This Appalachian memoir author is running as a Democratic contrast to JD Vance
Beth Macy is challenging Rep. Ben Cline in a bright-red Virginia district, hoping her own story and the stories she told about the region will win back rural and working-class White voters.
Measles deaths reported in Pennsylvania spark fight among politicians and health officials
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
Google’s hyper-personalized ‘Dreambeans’ feed is now free to test
After previously requiring a subscription, Dreambeans is now available for free Google Accounts in the US to test.
C.T.E. Risks and Youth Sports: How to Keep Child Athletes Safe
A study found C.T.E. in 25% of deceased NFL players, but Orlando Health pediatric sports specialist Dr. Elizabeth Davis explains how safety measures allow children to play contact sports safely. Learn practical ways to reduce concussion risks in youth athletics.
New dean: GCU's College of Natural Sciences 'rethinking science education'
Dr. Jon Valla, after leaving his hometown of Hibbing, Minnesota, planned to become a psychologist, until an internship made him realized that wasn't for him. […]
Rep. Crockett says she’ll be campaigning ‘downballot’ instead of with Talarico
The congresswoman, who lost the primary Senate race to state Rep. James Talarico, did not mention him by name.
Louisiana fertilizer plants lay off 200 as war with Iran drives up cost of key raw material
The company said it is reducing staffing at the plants in Convent and St. James, because of the availability and cost of sulfur, one of the key components of phosphate fertilizer production. Ammonia production at the Faustina plant in St. James will not be affected.
Louisiana fertilizer plant lays off 200 as war with Iran drives up cost of key raw material
The company said it is reducing staffing at the plants in Convent and St. James, because of the availability and cost of sulfur, one of the key components of phosphate fertilizer production. Ammonia production at the Faustina plant in St. James will not be affected.
More than 200 employees laid off at St. James Parish fertilizer plant
The company said it is reducing staffing at the plants in Convent and St. James, because of the availability and cost of sulfur, one of the key components of phosphate fertilizer production. Ammonia production at the Faustina plant in St. James will not be affected.
Fitchburg bookseller tries to revitalize downtown
The old mill city has long battled a shaky economy and business closures. Now, it is undergoing its largest makeover yet in the hopes of becoming a destination.
Minnesota company is tackling nitrogen pollution with ag science in volatile fertilizer market
Pivot Bio, a company selling farmers a self-sustaining, non-synthetic, bacterial source of nitrogen, aims to lower the nitrogen levels that are the source of significant water pollution in farm states.
Josh Shapiro is battling RFK Jr. over measles, and the politics are getting messy
A feud between the Pennsylvania governor and health secretary sparked by this week's reports of measles-related deaths laid bare the increasingly polarized politics of public health.
Josh Shapiro is battling RFK Jr. over measles, and the politics are getting messy
A feud between the Pennsylvania governor and health secretary sparked by this week's reports of measles-related deaths laid bare the increasingly polarized politics of public health.
Imaging wait times rise after hospital system purchases private radiology practice
Intermountain Health in January finalized its acquisition of Steinberg Diagnostic Medical Imaging, a 40-year-old radiology group with a dozen locations around Las Vegas.
Imaging wait times rise after hospital system purchases private radiology practice
Intermountain Health in January finalized its acquisition of Steinberg Diagnostic Medical Imaging, a 40-year-old radiology group with a dozen locations around Las Vegas.
AI Brings Scamming Against Businesses To A Whole New Level
AI supercharges existing scam categories like impersonation, phishing, and business email compromise, making them hyper-personalized and harder to detect.
When Bill Gates talks world-changing computer technology, people listen. Have you heard what he’s saying about AI in healthcare?
“Bill Gates warns ‘there is no plan’ for the ‘upheaval’ AI will cause.” … “Bill Gates says AI will either be ‘greatest equalizer’ or ‘worst source of injustice’” … “Bill Gates is deeply worried about AI—and he’s no longer staying quiet” ...
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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