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If You Invested $1000 In Sphere Entertainment Stock 5 Years Ago, You Would Have This Much Today
Sphere Entertainment (NYSE:SPHR) has outperformed the market over the past 5 years by 18.95% on an annualized basis producing an average annual return of 30.39%. Currently, Sphere Entertainment has a market
Gas Prices Make Substantial Jump
Gas prices in Wilmington took a sharp turn upward last week, soaring over 22 cents to hit an average of $4.15 per gallon.
Oil prices keep rising and weigh on Wall Street
U.S. stocks are drifting lower in their return to trading following a three-day weekend. The S&P 500 dipped 0.2% Tuesday. The Dow Jones Industrial Average fell 477 points, and the
Turkish students score above OECD average in science, reading in PISA 2025
Fifteen-year-old students in Turkey scored above the OECD average in science and reading in the latest international assessment, while their mathematics score came within one point of the average, according to results released Tuesday. The OECD’s Programme for International Student Assessment (PISA) 2025 report showed that Turkey earned an average score of 494 in science […]
Polish students outperform EU average in math, reading and science as global scores slide
Polish students outperform the EU average in educational outcomes but remain below pre-pandemic levels.
Israel records one of OECD’s steepest declines in reading, math and science scores
Israeli 15-year-olds lost 38 points in reading, 25 in math and 23 in science since 2022, leaving the country below the OECD average in every field; nearly 3 in 10 now lack basic proficiency across all three
Wisconsin gas prices remain below national average for Labor Day
Direct tourism spending hit $80 million in Shawano County last year, up from 2024.
This Labor Day and beyond, Michigan’s workers demand power, respect
For most of my early life, Labor Day was an appreciated holiday, but not the most remarkable one. On the scale of holidays — and I think I speak for most average Americans here — Labor Day ranked toward the bottom compared to the Big Three: Christmas, Halloween, and Thanksgiving. When you have the boundless […]
The US airports with the longest and shortest wait times
At the top 50 busiest airports in the US, the average TSA wait time is 9.9 minutes. Passengers at some airports can wait almost three times as long.
Starz Entertainment Corp. (NASDAQ:STRZ) Receives Consensus Rating of "Hold" from Brokerages
Starz Entertainment Corp. (NASDAQ:STRZ - Get Free Report) has earned an average recommendation of "Hold" from the eight research firms that are currently covering the stock, MarketBeat reports. One equities research analyst has rated the stock with a sell rating, four have assigned a hold rating,
Fuel prices at record Labor Day high in US thanks to Iran War, refinery issues
The average price of regular gas was $4.14 a gallon heading into the holiday, according to AAA motor club.
Oil Prices Rise Slightly After U.S. and Iran Trade Strikes
Brent crude, the global benchmark for oil, was up about 1 percent as trading resumed on Sunday, while the national average price of gas was nearly $4.15 a gallon.
SEC power rankings shift after conference's dominant Week 1
The SEC is off to a perfect 15-0 start in 2026 with an average margin of victory over 39 points per game entering the Ole Miss versus Louisville game
Scientists find a huge 10-sided wave pattern swirling in the clouds over Saturn’s south pole
This photo provided by NASA/ESA/A. Sánchez-Lavega (Basque Country University) shows a pattern of clouds around the Saturn’s south pole on Saturday, Aug. 29, 2026. (NASA/ESA/A. Sánchez-Lavega, Basque Country University, EHU, via AP)By MARCIA DUNN CAPE CANAVERAL, Fla. (AP) — Scientists have discovered an enormous 10-sided wave pattern in the icy ammonia clouds over Saturn’s south pole. The spinning, meandering decagon appears to...
Zach McKinstry’s Role Is Fading in Detroit
Once a gritty fan favorite and All-Star, the utility man’s plummeting batting average and vanishing speed now threaten his future as a cornerstone of the Tigers' lineup.
Accel Entertainment, Inc. (NYSE:ACEL) Receives Consensus Recommendation of "Moderate Buy" from Analysts
Accel Entertainment, Inc. (NYSE:ACEL - Get Free Report) has been assigned an average recommendation of "Moderate Buy" from the seven research firms that are covering the company, Marketbeat Ratings reports. Three equities research analysts have rated the stock with a hold rating and four have assig
The GLP-1 Squeeze: How Soaring Healthcare Costs Are Forcing Employers to Act
New survey results from the consultancy firm Marsh released last week show that employers expect per-employee health benefit costs to increase 8.2% on average in 2027—which would be the highest jump since 2003.
Scientists find a huge 10-sided wave pattern swirling in the clouds over Saturn’s south pole
CAPE CANAVERAL, Fla. -- Scientists have discovered an enormous 10-sided wave pattern in the icy ammonia clouds over Saturn's south pole.
These are the health screenings needed at every age — and where the average person falls
Some 90 percent of Americans aren’t keeping up with screenings, according to a 2025 poll
Jim Cramer Says “Own It, Don’t Trade It” as CVS Health Gains Momentum
A caller on the September 2 episode of Mad Money noted that CVS Health Corporation (NYSE:CVS) is up 21% this year, sports a 3% dividend, and trades at a 28 valuation compared to its 54 average. Pointing to raised guidance, higher price targets, and a massive capital plan, they asked if it makes sense to […]
Scientists who read 16 years of radio tracking from three Mars orbiters say the mantle beneath the planet's southern highlands runs 200 to 400 degrees Celsius hotter, averaged over the whole depth of the mantle, than the mantle beneath the northern plains, an inference drawn from the way Mars flexes under the Sun across each Martian year
The tracking shows Mars deforming in a way a uniform planet should not, and the least strained explanation is a hemisphere of mantle that something is still keeping warm.
New York health premiums climb despite state pushback on insurers
The Department of Financial Services approved a 6% average rate increase for the individual market and an 8% average hike for small-group plans.
Packers can be optimistic about forcing turnovers in 2026
If the Packers are even average, they should do better at creating turnovers.
MLB thrilled with NBC’s first season of ‘Sunday Night Baseball’
NBC closed out its first season of Sunday Night Baseball on Sunday with Reds-Cubs, which drew 2.8 million viewers across NBC and Peacock. Across the full season, NBC and Peacock averaged 2.7 million viewers over 14 primetime broadcasts, the most-watched Sunday Night Baseball season since 2007, and that average holds even when factoring in NBC’s…
The 20 states with the highest and lowest gas prices in the US
Average gas prices have soared above $4, setting a fuel price record for Labor Day weekend. Southern states are among the cheapest places to fill up.
Oscar Health, Inc. (OSCR) Just Overtook the 20-Day Moving Average
Good things could be on the horizon when a stock surpasses the 20-day simple moving average. How should investors react?
U.S. diesel prices hit a record high, pushing up transportation costs
The national average is now $5.85 per gallon
'About average:' Maryland health officials warn about increase in rabid animal incidents
A dead fox picked by Baltimore City Animal Control is the latest in a series of rabid animals incidents across the state, including a rabid kitten bite, aggressive raccoon and bat encounters, and multiple beaver attacks.
2026-27 Season Preview: Kingston Frontenacs
After a pretty average season, the Fronts will look to take a step forward into 2026-27.
National average price for diesel hits new record high amid Iran conflict
The AAA national average price for diesel fuel has reached a new record high of $5.85 as of Sept. 4, 2026, beating the prior record from June 2022.
NFL analyst ranks Panthers' WRs corps lower than average
Where does the Panthers' WR room rank against the rest of the NFL?
Survey: Biggest spike in health benefit costs over past two decades expected in 2027
A new survey from global strategist, Marsh, released this week, found that the average cost for health care benefits per employee are expected to rise 8.2% next year, more than doubling the rate of…
Mortgage rates jump to highest level in over a year
The average rate on a 30-year fixed mortgage rose this week to 6.71%, according to the latest Freddie Mac data released Thursday. That is up from last week's reading of 6.66%.
Student explores link between social media use and mental health in youth
The American Psychological Association estimates that teens are spending an average of five hours a day on social media. At Kennesaw State University, one student is examining whether this prolonged use can also impact their mental health. Through KSU’s First-Year Scholars Program, Chance Lundy, a Keeping Sights Upward Journey Honors College student, studied the relationship between frequent social media use and suicidal ideation among adolescents.
Smart Toilets Are Already Using AI to Analyze Your Poop
While companies promise they can help users monitor gut health, experts suggest that smart toilets provide little in the way of benefits to the average person.
My Wife and I Started a Business to Elevate Aperitivo Hour in the U.S. It’s Averaging $8,000 to $10,000 a Month.
Joe Fiorenzo and Sheela Prakash spun their love of Italian culture into a CPG brand.
Health insurance costs projected to spike next year by most in two decades
Employers predict an average 8.2% increase in the cost of their insurance plans. Workers will shoulder some of the cost.
Employer Health Costs Are Expected to Spike in 2027
A new U.S. survey anticipates an average increase of 11 percent unless benefits are cut, the highest rate in decades. Other findings also predict a sharp rise.
Employer Health Costs Are Expected to Spike in 2027
A new U.S. survey anticipates an average increase of 11 percent unless benefits are cut, the highest rate in decades. Other findings also predict a sharp rise.
What Box Office Bomb Crushed Obsession on Streaming?
(Welcome to my weekly streaming ratings report, the single best guide to what’s popular in streaming TV and what isn’t. I’m the Entertainment Strategy Guy, a former streaming executive who now analyzes business strategy in the entertainment industry. If you were forwarded this email, please subscribe to get these insights each week.) Before we get into this week’s issue, let me ask you for some suggestions. At the risk of coining too many names for too many things (hence my dictionary of terms...), I need a name for straight-to-streaming films that are too expensive to justify a straight-to-streaming release, but not big enough to justify a theatrical release. Like some of the films I highlighted in last week’s tally of the biggest film flops of 2026 so far: Hulu’s Mike & Nick & Nick & Alice, Pizza Movie or Never Change! They don’t feel like “made for TV movies” (think Hallmark and Lifetime movies, cheap Netflix romcoms, or Disney Channel Original movies, for example) but they don’t feel big enough for the big screen. They’re not “cinematic” enough, so to speak. As I wrote... “I still need a name for this middle zone of film that’s too expensive to go straight-to-streaming but too small to justify a theatrical release (with all the PR, distribution, marketing and whatnot costs that go along with it), the Goldilocks zone of streaming film death.” Friend of the newsletter Brandon Katz has suggested the “Bermuda Budget Triangle”, “The Platform Gap” and “The Distribution Deadzone”. I love that first one. I’d offer up the much wordier “The Streaming Budget Dead Zone” or “the Goldilocks Zone of streaming film death” but that last one isn’t accurate since, unlike Goldilocks’ porridge, these films are the opposite of “just right”. That’s the problem! Anyway, if you have any suggestions, let me know! On to today’s Streaming Ratings Report. As you can tell by today’s headline, things are going to be spicy! I’m looking at a box office bomb that did really, really well on streaming, somewhat challenging a few different narratives. And another Netflix series declined in its second season. All that, plus Wicked: For Good switching streamers, The Hawk continuing its strong run, _The Bear’_s finale season finally dropping off the charts, the WNBA posting a big viewership number, “shallow libraries”, a sitcom spinoff failing to launch, more big budget IP flopping on Paramount+, all the flops, bombs and misses, and a whole lot more. Let’s dive right in! (Reminder: The streaming ratings report focuses on the U.S. market and compiles data from Nielsen’s weekly top ten viewership ranks, Luminate’s Top Ten Data, JustWatch and Reelgood interest data, Samba TV household viewership, company datecdotes, Netflix hours viewed data, Google Trends, and IMDb to determine the most popular content. While most data points are current, Nielsen’s data covers the weeks of July 20th to July 26th, 2026. You can find a link to my terminology here.) Subscribe Film - The Latest Theatrical Success Story on Streaming In the latest edition of “Flops, Bombs and Misses of the First Half of 2026”, I made a crucial change: I started including theatrical films with the streaming misses. The streamers have collectively—including Netflix, but not to as big of an extent—stopped making a lot of straight-to-streaming films, and the ones they do make aren’t as expensive as in the heyday of the streaming bubble. After the following two films bombed in theaters, you’d guess that they’ll be included in my next collection of flops, bombs and misses six months from now: Masters of the Universe on Prime Video (only $64 million domestic box office) Mortal Kombat II on HBO Max ($79 million domestic) But you’d be wrong! Masters of the Universe, a reboot of the He-Man franchise, a toy from the 1980s, came to streaming on 22-July and did great! This long-gestating project—it’s been at every studio for years, and came close to getting a greenlight at Netflix—then finally came to theaters in June, and showed up on streaming less than two months later. (I don’t love this short theatrical window.) It surprisingly grabbed nearly 20 million hours on its debut: That means, wait for it, Masters of the Universe is currently the eighth biggest film on streaming through two weeks. My rough bar for “hit” is shows or films in the top 15%. Ergo…Masters of the Universe is a legit, streaming hit! (One quick caveat: if it falls out of the top ten next week, it will move to 13th overall, just on the edge of the top 15.) Of course, that’s the data for just 2026. Here’s how it stacks up to Prime Video’s theatrical films: That drop into its second week is typical for Amazon films, but also a worrying sign. I have a feeling interest in this film is front-loaded and we’ll see it drop off after this. As for Mortal Kombat II, in this case, the viewership numbers roughly match the theatrical outing, with only 4.1 million hours in its first week. Here’s how it stacks up to other HBO Max films: The best defense of this number is that, as a relatively violent rated-R film, Mortal Kombat II never had a good chance at breaking out. So now it’s time for a little big of “Entertainment Nuance Guy”: First, yeah, my headline is obviously facetious, since Masters of the Universe besting Obsession says more about horror as a genre than it does that film. Second, I read and listened to quite a few “nobody wanted this IP” takes about Masters of the Universe, and that’s not really true. At least enough people wanted it to power a 20 million+ hour debut! Third, both this film and Mortal Kombat II were considered “average” by viewers, but not great films, with a 6.4 and 6.3 respectively on IMDb. That’s just shy of the level needed to be a word-of-mouth hit. Fourth, in the olden days, strong word of mouth could transform a box office miss into a cable/DVD hit, like Austin Powers or The Shawshank Redemption. We haven’t seen a lot of examples of that on streaming, though. And there are far fewer ways to monetize the post-theatrical life of a film these days. Fifth, Prime Video has shown an ability to push their own titles well, likely because they control the Amazon Fire TV ecosystem. Add it all up, and here’s my nuanced take on Masters of the Universe: it was a box office bomb, but, shockingly, a streaming hit. Unfortunately, while being a theatrical hit saves your film financially, being a streaming hit does not. Both Masters of the Universe and Mortal Kombat II had big budgets and needed to make more money in theaters to justify them. So…Straight-to-Streaming or Theaters? We’ve hit a really fun point in the streaming calendar, since the films that came out in theaters in April, May, and June are now arriving on streaming. So the “Do theatrical releases help streaming performances?” question is gonna get a fresh round of updates nearly every week. No single week will answer the question, but we may get some insights. For example, so far in 2026, it looks like theatrical films are lasting longer on the weekly Nielsen film charts. Here’s a list of films that have made the charts in their fourth or fifth week of release, separated by “for kids” and “general entertainment”: It certainly seems like theatrical films are lasting just a pinch longer on the charts, with Project Hail Mary being the current five-week champion. One Battle After Another did well for HBO Max too, and even The Sheep Detectives made it four weeks. The only exception to this trend? Obsession, which only lasted two weeks on the charts. You might tempted to overreact to this news. Don’t. Obsession is a huge horror hit, but horror just doesn’t do as well on streaming. By the way, here’s the Google Trends for various theatrical and stremaing films: Plus, when it comes to Netflix in four months, Obsession may have another big boost. Quick Notes on Film Note that when I write, “the streamers have pulled back on straight-to-streaming films” that doesn’t mean “abandoned” because Netflix is gonna Netflix. On 24-July, they released 72 Hours, a Kevin Hart comedy. Along with Eddie Murphy, Mark Wahlberg, John Cena and Adam Sandler, Kevin Hart is a streaming film star now. Did this latest one work? Not really. It only garnered two weeks of 13.2 and 12.2 million hours on its debut, well below the 20-million-hour hit threshold. It also was poorly received critically—a 44 on Metacritic—and by customers—a 5.4 on IMDb on 21K IMDb reviews. We’re just getting started with this issue, but the rest is for paid subscribers of the Entertainment Strategy Guy, so if you’d like to find out… The latest Netflix true crime doc to pop on the charts… How The Bear finished its run… Netflix’s latest Western to return to streaming… What Paramount+ animated film flopped… And what sitcom also missed… All the flops, bombs and misses… And a whole lot more… ...please subscribe! We can only keep doing this great work with your support. Coming Soon! I’m behind by a week, so we’ve got two issues coming your way this week, including one in a couple of days or so, then we’ll be all caught up**.** Next issue, inspired by The Super Mario Galaxy Movie coming to Peacock, I’m going to take a look at the workhouse of streaming TV: kids films. Plus The Devil Wears Prada 2 continues theatrical films’ big run on streaming. All that, plus another surprise hit on Hulu, Lioness on CBS, and a whole lot more. Long term, LeBron James is filming his own “Last Dance”-style docu-series, surprising no one. But as I’ve been writing about a lot this summer, this genre is really overrated, so whoever ends up buying it (reportedly ESPN) really shouldn’t pay too much for it.
New Mexico Insurance superintendent approves 24% premium increase on healthcare exchange plans
Insurance Superintendent Alice Kane said inflation is behind increase but state's premium is on par with national average.
GPU prices are now 28% above MSRP on average, RTX 5090 explodes to 136% above MSRP
GPU prices have been tracked across 10 countries, revealing a troubling snapshot of the market that gamers have endured and will continue to endure.
This is what a supercar was like a century ago
When the average car could only do 40 mph, this Bentley could break 100.
Big Ideas Lab podcast takes on the science of scale-up
Rechargeable lithium batteries trace back to 1972, but they wouldn't reach consumer products until 1991. Solar photovoltaic cells existed in the 1950s, long before solar panels appeared on rooftops. And the MRI was demonstrated in the 1970s, years before the machines became hospital staples. In each case, the core scientific principles had been proven. The difficult part was scaling them into technologies people could reliably use. The average disruptive technology takes roughly 35 years to cross that divide. Lawrence Livermore National Laboratory (LLNL) scientists are trying to compress
NVIDIA DLSS 5 Performance Unveiled: 5x Faster Than Original Demo, 50% Perf Penalty on Average, But RTX 50 GPUs Offer “Hundreds of FPS” With MFG Enabled & More Optimizations On the Way
NVIDIA is sharing the first performance figures of its RTX 50 GPUs running DLSS 5, offering next-gen visuals at super-fast frame rates.
Health data breaches are surging. What to do when personal and medical records are exposed
Personal and medical information — including physical and mental health records — is increasingly being compromised in cyberattacks, with an average of 136,300 people affected per breach.
Health data breaches are surging. What to do when personal and medical records are exposed
Personal and medical information — including physical and mental health records — is increasingly being compromised in cyberattacks, with an average of 136,300 people affected per breach.
Health data breaches are surging. What to do when personal and medical records are exposed
Personal and medical information — including physical and mental health records — is increasingly being compromised in cyberattacks, with an average of 136,300 people affected per breach.
Health data breaches are surging. What to do when personal and medical records are exposed
Personal and medical information — including physical and mental health records — is increasingly being compromised in cyberattacks, with an average of 136,300 people affected per breach.
How much is the NFL worth? Inside America’s most valuable sports league
Plus500 reports that the NFL is a $23 billion economy with franchises valued at an average of $7.1 billion, driven by media rights, betting, and merchandise.
Global Oil Price Rises to $90 a Barrel After U.S. and Iran Trade Attacks
The first attacks in a month jolted energy markets. The average U.S. gasoline price remained 37 percent higher since the war began.
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.
NASA is launching the Nancy Grace Roman Space Telescope. Here are just a few of the wonders it will reveal
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Greenland research institutions halt new US collaborations citing mistrust
Although US President Donald Trump still harbours ambitions to take over Greenland, for US researchers his actions seem to have had the opposite effect. Over the summer, Greenland’s two largest research institutions, the Greenland Institute of Natural Resources and the University of Greenland, both announced policies of not starting new research projects with US researchers.Both institutions cite a mistrust of the US as a motivation for the decision. At the University of Greenland, the change of policy has already led to the rejection of specific proposals for new collaborations, rector Mari Kleist told Science|Business. “The reason is the changed political situation between the US and Kalaallit Nunaat [Greenland], and the uncertainty that the American interest in Kalaallit Nunaat has created,” she said.For the Greenland Institute of Natural Resources, a partially state-funded environmental research institution, the decision was also prompted by a lack of trust in US intentions. In a July interview with local broadcaster KNR, director Josephine Nymand cited concerns about data ownership, US “influence operatives” and social media monitoring of researchers entering the US.The Greenland Institute of Natural Resources has long collaborated with the US National Science Foundation (NSF). The policy change will not affect these existing partnerships but will apply to collaborations with new, “unknown” partners, Nymand said. At the University of Greenland, the policy is the same.The changes come amid proposals of severe cuts to the NSF, which would likely also see the US research presence in Greenland reduced. In spite of this, when asked about the Greenlandic policy change, the NSF remained optimistic of its continued presence in Greenland.“We are grateful to our partners in Greenland for their collaboration in advancing scientific knowledge and training the next generation of researchers. NSF remains committed to the long-term collaborations with Greenland that enable scientific research near communities and on Greenland’s ice sheet,” an NSF spokesperson told Science|Business.Fewer US researchers in GreenlandMost research published on Greenland is on natural science topics such as the cryosphere, ice dynamics, permafrost and climate change. In recent years, US researchers have been the most prolific publishers on Greenland.The US research presence in Greenland goes far beyond the capital of Nuuk, where the two research institutions are located. It includes the Pituffik Space Base in northwest Greenland, various projects in settlements and research stations along the coast, as well as research stations on the Greenland ice sheet itself.The largest of these sites, Summit Station, is located at the highest point of the Greenland ice sheet, about 3,200 metres above sea level, and since the 1980s it has been used for drilling cores out of the ice sheet. These ice cores provide valuable information on the global climate going back at least 100,000 years. About 30 kilometres from Summit Station, the Danish-led Greenland Ice-core Project (Grip), funded by the European Research Council, is also drilling ice cores. Although they initially competed, the relationship between the two research teams has “long been amiable,” Jørgen Peder Steffensen, a Danish researcher who has been part of Grip for more than 40 years, told Science|Business.However, since Trump took office in early 2025, Steffensen has noticed a reduction in US research in the country. “Several of our American partners did not make it into the field this year. Their field seasons were cancelled because they lacked the budget,” he said.He ascribed part of the reduction in US researchers to a renovation of Summit Station. “A very large share of NSF funding has gone into renewing the station. Money has been taken from research and allocated to rebuilding it,” he said.A report published in August by Arctic Hub confirms Steffensen's observations of fewer US researchers. It shows that US research publications on Greenland took a dip towards the end of the period spanning 2015 to 2024. In 2024, before Trump took office, the number of publications had fallen from an average of about 250 articles a year, to just 164, second behind Canada at 169.Data from the NSF logistics provider Battelle also shows a reduction in US research presence in Greenland in recent years. In 2023, Battelle counted 48 projects across 78 locations, but in 2025 that number had fallen to 40 projects across 38 locations. And while relations with US personnel in Greenland have remained strong, some tensions have arisen since Trump took office. “On a personal level, there is nothing. But it’s hanging in the air. It hangs unspoken,” Steffensen said.Cutting ties with US researchers entirely would come at a higher cost for the ice core researchers than the Nuuk-based institutions. To get cargo to and from their bases, both Grip and Summit Station rely on unique, ski-equipped Hercules LC-130 aircraft operated by the New York Air National Guard. Without these, maintaining a research base on the Greenland ice sheet would not be viable on current budgets, Steffensen said. “[If the Hercules planes were not available], we would have to think outside of the box. We would have to use smaller planes, and we would have to build a base closer to the coast. But staying in our current location would be too expensive and it would create a huge carbon footprint,” he said.Suspicious people in NuukIn her explanation of the severed US ties, Greenland Institute of Natural Resources director Josephine Nymand compared the decision to past situations when the institute had to cut ties with China and Russia, the latter due to Russia’s full-scale invasion of Ukraine in 2022. And although the current situation is less severe, the comparison reflects the seriousness with which Nuuk sees the US threats. “From Greenland’s perspective, the US may not look so different from Russia right now: a much larger neighbouring power threatening to invade,” Lin Alexandra Mortensgaard, a researcher of international politics in the Arctic at the Danish Institute for International Studies, told Science|Business. “From a European perspective, it is not a comparable situation, because we are entangled with the US on all possible fronts and do not want to destroy more than is absolutely necessary. But from Greenland’s side, there may well be a need to send a clear signal to the US,” she went on. Suspicions have been fuelled by instances of Trump-affiliated people in Greenland trying to persuade Greenlandic citizens to support a US takeover. The most prolific among them is Tom Dans, a former venture capitalist and pecan farmer who was appointed by Trump as the chair of the United States Arctic Research Commission. Observers fear that he is now using research to achieve a US takeover.“Greenland is a small society with a small population, so when Americans with unclear affiliations wander around, trying to be good friends with people, and you don't know what they want, that creates mistrust. This probably played into the research institutions taking these drastic steps,” Mortensgaard said.Related articles:The US ‘golden age’ science strategy: what Europeans need to knowEU polar research melts into the backgroundAnchor Greenlanders in Arctic climate research, experts tell EU ahead of policy updateAnd although Greenland’s population is small at just 57,000, for Mortensgaard, it serves as a microcosm for the geopolitical situation as a whole: global powers fighting for their interests to the detriment of the common interest. Arctic research already suffered when collaborations with Russia broke down in 2022, she said, so a split with the US would be a serious hit to climate science.“The Arctic climate system does not respect borders or geopolitical divides. When collaboration across those lines suddenly becomes impossible, it is a huge problem for knowledge production,” she said. European alternatives?The Greenland Institute of Natural Resources is funded partly by research grants from external sources like the NSF. To replace the US funding, the institute will have to look for alternative revenue sources, and Nymand said that she is looking to Europe for those. Aside from Denmark, of which Greenland is formally a part, she also noted increased interest in research collaborations from the UK, France and Switzerland. Kleist of the University of Greenland told Science|Business that it was too early to say if the severed US ties would lead to more collaborations with Europe. Meanwhile, Mortensgaard believed that the tensions in Arctic research could well leave room for closer European partnerships, or stronger links with Canada. “I spoke to Canadian researchers who had long-standing relationships with American colleagues and who collaborated with the US Navy, but who had gotten worried that their data on sea ice could be used if Trump suddenly decided to follow through on his threats of invading,” she said. “Like Canada, I think Greenland is considering creating closer ties to Europe and I think European capitals will be open to this,” she said.
Ozzie Albies Saves Braves From Dodgers Nightmare
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The Global Brain Care Coalition: A Model to Put Brain Science into Action
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Finns may live to 80 or 85, but productive healthy years average 43 to 46
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15 players to target in 2026 fantasy football drafts
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Health plans will cost more in 2027, for employers and workers
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Apple Preparing to Increase iPhone Prices
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A deep dive into climate change
Some policymakers continue to question the science of climate change, despite the growing evidence of significant damage to life on land and in the ocean.Katja Matthes, director of the GEOMAR Helmholtz Centre for Ocean Research Kiel in Germany, believes the ongoing attempts to politicise climate science and discredit researchers are hindering international cooperation and public understanding. The ocean provides clear evidence of the extent to which changes are occurring, she says.“We are seeing severe, unprecedented and accelerating changes in the ocean — warming ocean temperatures, acidification and oxygen depletion — that are destabilising the most important system that makes life on this planet possible,” Matthes explains. Visible signs of these changes include the melting of ice sheets in the Arctic and Greenland. Deeper down, the growing frequency of hypoxia — or oxygen-deprived “dead zones”, where marine life can no longer survive — in the Baltic and record-high Mediterranean surface temperatures are indicators of the “dramatic warming” of the ocean, she adds.The ocean, which covers around 70% of the Earth’s surface, acts as a vital carbon sink, absorbing around 30% of the planet’s carbon dioxide (CO2) and 90% of the excess heat. However, the global ocean surface temperature has risen by an average of half a degree Celsius since 1982, according to the EU Copernicus observatory. More significant rises have been recorded in the Mediterranean, Black, Baltic and other shallower seas.Some ocean temperature increases do occur naturally, such as during El Niño events. But sustained rises can trigger extreme weather on land — including droughts, floods and catastrophic storms — while also harming marine ecosystems. Only 10% of marine species have been studied, Matthes notes, “so the consequences might be even more severe than we know.”Fostering European cooperation amid uncertaintyMatthes, who holds a doctorate in meteorology, is a professor of atmospheric physics as well as director of GEOMAR. She serves as one of Kiel’s ambassadors to Science Comes to Town (SCTT), an EU-funded programme that aims to promote science’s role in society and strengthen cross-border collaboration in research, innovation and sustainability. SCTT is hosted by the coastal cities of Kiel, Brest (in France) and Split (in Croatia).The SCTT project also provides a platform for raising awareness and understanding between scientists and the public about major issues, such as climate change. Having worked on both sides of the Atlantic, Matthes is frustrated by recent attempts to erode decades of international climate collaboration and question the credibility of research. Earlier this year, the US administration delivered a major blow to global cooperation by withdrawing from the Intergovernmental Panel on Climate Change (IPCC), the UN Framework Convention on Climate Change and other global climate organisations, claiming they were “contrary to the interests of the United States.”In addition, a US Department of Energy (DOE) report cast doubt on the latest IPCC climate assessment, which was published in 2024. As a contributing author to the IPCC study, Matthes says the DOE sought to discredit scientists like herself. “Climate change is not a matter of opinion, it really exists and we are witnessing dramatic changes,” she notes. “It’s not climate change as a whole that is being targeted, but scientists and their research.”Other US actions have also hit home for Matthes, who spent three years at the US National Center for Atmospheric Research (NCAR) in Boulder, Colorado. The White House has announced plans to close the facility, a move that was “pretty tough” due to the German scientist’s personal connections with the staff and their reputation for excellence.Changing the narrative on climate changeEurope’s scientific community remains a driving force on climate research and collaboration. As one of the world’s leading marine research institutions, GEOMAR attracts students from more than 50 countries and plays an important role in global observation initiatives that contribute to understanding and protecting the ocean basins. At a European level, GEOMAR works closely with other top marine research facilities, including France’s Ifremer, an SCTT partner in Brest. GEOMAR has also developed innovative and safe strategies for removing unexploded wartime munitions from the seabed, which release toxic substances that pose a danger to humans and the marine environment. Through the Horizon Europe MMinE-SwEEPER project, this knowledge has been transferred to the European level.These initiatives are examples of how local action can have a global impact, Matthes says, and how Europe can strengthen climate research and partnerships. “This is a chance for Europe to step up and work on climate cooperation and agreements,” she notes. “Climate change is an international problem and a real threat, and we need more speed on climate action than we have now.”Matthes believes her fellow scientists need to communicate that climate change is not only a threat, but an opportunity to find solutions. “We need to change our narrative and expand our strategic alliances with those who are willing,” she says, “and luckily there are a lot of willing people and countries.”Science|Business, which connects policymakers, academics and industry through its news reporting, analysis and events, is an SCTT partner.
A deep dive into climate change
Some policymakers continue to question the science of climate change, despite the growing evidence of significant damage to life on land and in the ocean.Katja Matthes, director of the GEOMAR Helmholtz Centre for Ocean Research Kiel in Germany, believes the ongoing attempts to politicise climate science and discredit researchers are hindering international cooperation and public understanding. The ocean provides clear evidence of the extent to which changes are occurring, she says.“We are seeing severe, unprecedented and accelerating changes in the ocean — warming ocean temperatures, acidification and oxygen depletion — that are destabilising the most important system that makes life on this planet possible,” Matthes explains. Visible signs of these changes include the melting of ice sheets in the Arctic and Greenland. Deeper down, the growing frequency of hypoxia — or oxygen-deprived “dead zones”, where marine life can no longer survive — in the Baltic and record-high Mediterranean surface temperatures are indicators of the “dramatic warming” of the ocean, she adds.The ocean, which covers around 70% of the Earth’s surface, acts as a vital carbon sink, absorbing around 30% of the planet’s carbon dioxide (CO2) and 90% of the excess heat. However, the global ocean surface temperature has risen by an average of half a degree Celsius since 1982, according to the EU Copernicus observatory. More significant rises have been recorded in the Mediterranean, Black, Baltic and other shallower seas.Some ocean temperature increases do occur naturally, such as during El Niño events. But sustained rises can trigger extreme weather on land — including droughts, floods and catastrophic storms — while also harming marine ecosystems. Only 10% of marine species have been studied, Matthes notes, “so the consequences might be even more severe than we know.”Fostering European cooperation amid uncertaintyMatthes, who holds a doctorate in meteorology, is a professor of atmospheric physics as well as director of GEOMAR. She serves as one of Kiel’s ambassadors to Science Comes to Town (SCTT), an EU-funded programme that aims to promote science’s role in society and strengthen cross-border collaboration in research, innovation and sustainability. SCTT is hosted by the coastal cities of Kiel, Brest (in France) and Split (in Croatia).The SCTT project also provides a platform for raising awareness and understanding between scientists and the public about major issues, such as climate change. Having worked on both sides of the Atlantic, Matthes is frustrated by recent attempts to erode decades of international climate collaboration and question the credibility of research. Earlier this year, the US administration delivered a major blow to global cooperation by withdrawing from the Intergovernmental Panel on Climate Change (IPCC), the UN Framework Convention on Climate Change and other global climate organisations, claiming they were “contrary to the interests of the United States.”In addition, a US Department of Energy (DOE) report cast doubt on the latest IPCC climate assessment, which was published in 2024. As a contributing author to the IPCC study, Matthes says the DOE sought to discredit scientists like herself. “Climate change is not a matter of opinion, it really exists and we are witnessing dramatic changes,” she notes. “It’s not climate change as a whole that is being targeted, but scientists and their research.”Other US actions have also hit home for Matthes, who spent three years at the US National Center for Atmospheric Research (NCAR) in Boulder, Colorado. The White House has announced plans to close the facility, a move that was “pretty tough” due to the German scientist’s personal connections with the staff and their reputation for excellence.Changing the narrative on climate changeEurope’s scientific community remains a driving force on climate research and collaboration. As one of the world’s leading marine research institutions, GEOMAR attracts students from more than 50 countries and plays an important role in global observation initiatives that contribute to understanding and protecting the ocean basins. At a European level, GEOMAR works closely with other top marine research facilities, including France’s Ifremer, an SCTT partner in Brest. GEOMAR has also developed innovative and safe strategies for removing unexploded wartime munitions from the seabed, which release toxic substances that pose a danger to humans and the marine environment. Through the Horizon Europe MMinE-SwEEPER project, this knowledge has been transferred to the European level.These initiatives are examples of how local action can have a global impact, Matthes says, and how Europe can strengthen climate research and partnerships. “This is a chance for Europe to step up and work on climate cooperation and agreements,” she notes. “Climate change is an international problem and a real threat, and we need more speed on climate action than we have now.”Matthes believes her fellow scientists need to communicate that climate change is not only a threat, but an opportunity to find solutions. “We need to change our narrative and expand our strategic alliances with those who are willing,” she says, “and luckily there are a lot of willing people and countries.”Science|Business, which connects policymakers, academics and industry through its news reporting, analysis and events, is an SCTT partner.
Jodi's Journal: Health systems' investments create broader opportunity in central Sioux Falls
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Mortgage rates fall for second consecutive week
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IMG Academy's Class of 2026 Reinforces Power of Sports Education with College Sports Placement Rate 11x the National Average
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Harvest price hike hits business with 1500% increase in bills
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Research: Entertainment subscription providers worst-rated for payment experience
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AI needs science’s search history
“Actually, that’s where the gold is,” said Alasdair Russell, my graduate school friend who leads a pre-clinical genome editing group at Cambridge. He was talking about the winding road of science that is omitted from published papers. “When you’re discussing how to do the experiment, and why this way is better than another way, and what does the data really mean? I know what it shows, but what does it mean?” At RAAIS 2026, he described how his group has begun logging the twisting path of discovery as it happens, recording the verbal and written exchanges that normally disappear. Ideas become nodes in a living graph: they branch when a meeting produces two plausible experiments, merge when separate lines of evidence converge, and go dark when someone quietly stops pursuing them. In his implementation, one agent scores novelty, while another tries to learn “how scientists think and how they navigate through a complex world of data,” so that high-potential nodes can trigger deeper investigation. As frontier AI labs deploy agents toward scientific discovery, giving AI authentic scientific taste remains a trillion-dollar dilemma. The bottleneck is that the record we have kept for centuries of science might be insufficient to get us there. The experiments that never make the paper Peter Medawar, 1960 Nobel laureate and “father of transplantation,” asked in 1963 whether the scientific paper was a fraud, and answered yes: the form of the paper misrepresents the thinking that produced it. Sixty years on, the diagnosis is unchanged. A paper presents a clean progression from hypothesis to result to conclusion. Lost along the way are the unconventional theories, the abandoned or unaffordable methods, and the underwhelming and inconclusive data. It reads like a browser history with every dead end deleted: the ten open tabs, the four rephrased queries, the wrong turn down a subforum. All scrubbed, leaving one clean path from question to answer as the canonical path. What has changed since then is that the discarded material is now worth something. No high-impact journal wants these artifacts, but raw trial and error is the most likely source of the training data required to develop scientific intuition, or what researchers call taste. Earlier attempts to capture the discards were motivated by scientific integrity. The Journal of Negative Results in Biomedicine launched in 2002 to publish rigorous studies that disputed established models or exposed ineffective treatments. Its archive preserved negative conclusions after they had become papers, rather than the live alternatives and arguments that produced them. BioMed Central closed it in 2017, saying the mission had been served now that other journals publish null results. A less generous reading is that in fifteen years it published around 200 papers because almost nobody wants to read a negative result, let alone write one up when it will not count toward academic tenure. AI models are different. Even an uninteresting negative result can be useful, provided it is labeled. Earlier this year, Anthropic put a version of this to the test. The company pulled 129 decision points from real Claude Code sessions between January and March 2026, showed models the work up to a human detour, and asked what should happen next. Claude Mythos Preview beat the human choice 64% of the time, while Opus 4.5 managed 51%. The comparison was tilted toward the models because Anthropic deliberately chose moments where the human decision had room for improvement. On 127 further scenarios where the human action was already strong, the models improved on it only about 20% of the time. The study was possible because Anthropic’s researchers work inside a tool that logs by default. The reasoning, detours and outcome are produced in the same working environment. Biology has no equivalent. Its reasoning happens in hallways, at benches, in Slack threads and on whiteboards, while the outcome arrives weeks later somewhere else. The record has to emerge from the work itself. Ask scientists to reconstruct it afterwards and we’ll create another polished account. Subscribe A log is not a label Before any of this becomes training data, a negative result has to say what failed. The first paper published in the Journal of Negative Results in Biomedicine examined 234 negative studies across five leading medical journals. Only 30% discussed statistical power, and half clearly defined a primary outcome. Tell a model an experiment failed, without telling it whether the assay was underpowered, a reagent had degraded, or the hypothesis was simply wrong, and it will learn noise with confidence. Decision histories have a second missing label too. When a lab considers five experiments and runs one, only the chosen branch returns an outcome. The other four are experimental counterfactuals. Researchers call this the selective labels problem: the data reveal results only for the actions someone chose to take. Such a record can teach a model to imitate a lab’s taste, but it cannot establish that the taste was good. It also smuggles local constraints into general lessons. A lab that never ran cryo-EM because it did not own a microscope teaches a model that cryo-EM is rarely the right call. Alasdair’s nodes preserve the candidate set, which is the necessary first step. To be useful, each decision record needs six fields: The evidence available at that moment, and nothing that arrived later. The candidates considered, including the ones dismissed in a sentence. For each candidate: the expected result, the confidence attached to it, and the cost in time and money. The route chosen, and the reason. What happened next. How the evidence changed the scientist’s view. These must be timestamped before the outcome, because hindsight turns uncertainty into inevitability. Disagreement also has to survive. Averaging three scientists into one clean rationale reproduces exactly the information loss we are trying to fix. But there is an obvious failure mode here. Once decisions are logged and scored, people log for the record post-facto. Anyone who has watched an electronic lab notebook fill up with retrospective tidying knows how quickly a research tool becomes a compliance exercise. A record that costs a scientist ten minutes of honest reflection per decision is worth far more than one that costs an hour of performance. A publication initiative called Registered Reports offers a useful starting point. Here, researchers submit their rationale, methods and analysis plan for peer review before the data exist, and the journal commits in principle to publish if they follow the approved plan. Nature has now expanded the format across every field it covers. This approach to paper writing timestamps intent before the outcome, but it freezes one plan. A useful search history must also preserve how the plan changed, which alternatives were rejected, when, and on what evidence. Subscribe Run the runner-up Autonomous labs show what happens when decisions and outcomes are connected in a loop. Liverpool’s mobile robotic chemist ran 688 experiments over eight days in a ten-variable formulation space. A batched Bayesian search used each result to choose the next experiments and found photocatalyst mixtures six times more active than the starting formulations. Every completed experiment changed what the system did next. The robot optimized within a goal and search space that humans had already chosen. It did not decide which scientific question mattered. So what this work demonstrates is narrower, but still useful: a search history pays off when the options return standardized outcomes quickly. Open-ended biology is harder because branches can take weeks and the discarded alternatives may never be run. Some exploration therefore has to be bought. Where two branches are plausible and the stakes justify the cost, a lab should sometimes run the runner-up. Otherwise the record captures what today’s scientists usually chose and stays silent on what they systematically overlooked. A funder could ring-fence a small fraction of a grant for the branch not taken, provided that the decision record and the outcome are both deposited. That costs money, but so does having every lab rediscover the same abandoned path. Test whether taste transfers When it comes time to evaluate if our new AI system exhibits taste, the comparison should run across laboratories and fields. At selected decision points in a live research campaign, we should freeze the six fields: the evidence, the candidates, expected results, confidence, costs and the choice made. Experts then rank the options before the outcomes are known, and those outcomes are checked independently later. We could give models one of two diets - papers alone, or papers plus decision histories - and ask them to rank the next experiment on unfamiliar projects. Then, we score information gained per dollar and week, calibration, and how quickly weak branches are abandoned. If histories improve choices only inside the lab that produced them, they amount to useful organizational memory. If they improve choices on unfamiliar problems elsewhere, Alasdair’s group will have captured something science has never managed to write down: a transferable record of taste. Until that happens, a scientific search history is a promising record, not yet a training set.
Small business optimism rebounds in July, led by stronger hiring plans
NFIB said small business optimism rose above its long-term average in July, driven by stronger hiring and investment plans, though uncertainty remained elevated.
U.S. small business sentiment surged to an 11-month high in July as hiring plans jumped
The optimism index climbed 2.4 points to 99.8, surpassing its 52-year average, while planned hiring jumped to its highest level since October 2022
Is Zach Edey a Cornerstone for the Memphis Grizzlies?
Zach Edey averaged 13.6 points and 11.1 rebounds before a left ankle injury ended his season after 11 games. Whether he is a cornerstone hinges on his health.
These Arizona health insurance companies are seeking rate increases of more than 25%
Health insurance companies in the Affordable Care Act marketplace are seeking an average premium increase of 25% in Arizona for 2027.
Cutting sweet foods doesn’t curb cravings or improve health
Changing how much sweet-tasting food people eat may not change how much they crave or enjoy sweetness after all. In a six-month trial, researchers found that people assigned to high-, low-, or average-sweetness diets showed no meaningful differences in their preference for sweet foods, body weight, or markers linked to diabetes and heart disease. Many participants also drifted back toward their previous eating habits once the trial ended.
Cutting sweet foods doesn’t curb cravings or improve health
Changing how much sweet-tasting food people eat may not change how much they crave or enjoy sweetness after all. In a six-month trial, researchers found that people assigned to high-, low-, or average-sweetness diets showed no meaningful differences in their preference for sweet foods, body weight, or markers linked to diabetes and heart disease. Many participants also drifted back toward their previous eating habits once the trial ended.
Browns DBs Coach Praises Denzel Ward's Character Following Record Extension
Add Denzel Ward's position coach to the list of people who are ecstatic to see the Cleveland Browns' superstar cornerback locked in for the next two years. Browns DBs coach Brandon Lynch opened up about Ward's recently signed two-year extension that made him the highest-paid cornerback by annual average value. Ward signed a two-year extension worth $62.2 million, a $31.1 million AAV.
Small Business Employment Index Picks Back Up
NFIB’s July Jobs Report shows that the Small Business Employment Index rose after four consecutive months of decline, registering 102.1 in July after measuring 100.2 in June. The current reading is above the 2025 average of 101.2 and the historical average of 100.0. In July, 36% (seasonally adjusted) of small business owners reported job openings they could
Klein ISD outscores state STAAR in science exam scores
Klein ISD students in fifth and eighth grade outscored state averages in the spring 2026 State of Texas Assessments of Academic Readiness science exams according to new state data.
Elon Musk Has a Message for Jeff Bezos' Blue Origin After It Solved the New Glenn Mystery— 'Hope You...'
Elon Musk offers support to Blue Origin after launchpad explosion. Musk wishes quick recovery and backs collaboration.
Austin ISD beats most state averages on delayed 2026 STAAR science exams
Austin ISD science STAAR results, released July 31 after being delayed for “standard-setting,” show students in grades 5 and 8 outperformed most state averages.
Longer careers may leave younger, disadvantaged workers spending more years in poor health
The average age of the German population is rising. Coupled with the growing labor shortage, these demographic trends pose major challenges for pension systems. According to proposals from the Pension ...
MrBeast Sales Slow, Angel Stock Falls, MUBI and Neon Look for Hits, and Will an NBA Franchise Set a Sales Record?
(Welcome to the Entertainment Strategy Guy, a newsletter on the entertainment industry and business strategy. I write a weekly Streaming Ratings Report and a bi-weekly strategy column, along with occasional deep dives into other topics, like today’s article. Please subscribe.) You probably remember egg prices spiking a few years ago. This led to a lot of debate between the pro-market/pro-competition/antitrust/Neo-Brandesian crowd and the center/center-right/center-left/abundance/libertarian crowd over the cause, whether it was the avian flu outbreak or whether industry consolidation led to price fixing, using avian flu as a convenient cover. Basel Musharbash wrote a whole investigation at BIG looking at it. Well, two years later, we have our answer: it was price fixing. The Justice Department found proof, via emails, of price fixing. Indeed, just the threat of an investigation brought prices down two years ago: I bring this up because at least half a dozen of my favorite political writers and pundits, who were skeptical about price fixing at the time, haven’t written any mea culpas on this issue. It’s really dispiriting and makes it much, much harder to trust their work on other issues. If you take a hard stand on an issue, then you get it wrong, you need to explain how and why you got it wrong. Or update your priors. This is how epistemological bubbles are formed! All of which is to say, it’s time for another installment of “What I Got Right, What I Got Wrong”. Last issue, I mostly focused on the “wrong” side of the equation, so today’s is a bit more balanced, but with one big mea culpa (though I still stand by my original concerns). Let’s dive right in! Subscribe CORRECTION: UFC Didn’t Release Subscriber Data (But Seems to Have Bragged About It Internally) In my analysis of the viewership of UFC Freedom 250, I wrote... “Paramount has also released datecdotes bragging about their subscriber numbers. Earlier this year, they claimed that the first UFC fight on Paramount+ brought in 1 million subscribers.” Well, that datecdote did not come from a PR rep, but from great reporting from James Faris at Business Insider. The actual quote was this: “Paramount’s flagship streaming service generated about a million new subscribers on the day of its first-ever UFC event, Paramount product chief Dane Glasgow told employees in a town hall on Tuesday morning, three staffers who attended the meeting told Business Insider.“ This wasn’t the biggest goof in the world; even Faris emphasized to me that this is more a “clarification” than a correction. Still, it sounds like, internally, the folks at Paramount were very happy about this result—and I’m guessing they were happy with this news getting out—even though the gains didn’t last through the quarter, dropping to 700K adds. RIGHT: MrBeast’s Struggles Continue... I’m very skeptical about MrBeast’s burgeoning media “empire” and, in particular, its $5 billion valuation, as I wrote earlier this year and last year. Sure enough, according to Business Insider, regarding its “booming” consumer products division_:_ “US sales volume grew 13% year-over-year in 2025, following a 33% leap the previous year, according to a presentation deck dated May 2026....A February 2025 investor deck viewed by Business Insider showed Feastables’ net revenue more than doubled in 2024 from 2023, to $215 million, and was forecast to grow 74% in 2025, to $375 million.” [Emphasis mine.] If you told investors that you projected 74% growth but delivered 13%,1 that’s not ideal. But it’s not just MrBeast. Logan Paul and KSI’s Prime had sales drop in half for their energy drinks. It’s one thing to build a successful entertainment company and an entirely different thing to succeed in the heavily-consolidated-but-also-very-competitive consumer packaged goods space! CPGs are dominated by a few firms with very wide moats compared to YouTube, which has few barriers to entry. These businesses require different skill sets and have completely different business environments. WRONG: Does the NBA Have an $8 Billion Bidder? Almost as soon as I published my article about the NBA’s finances, casting skepticism on NBA expansion, I saw this Front Office Sports headline: One group “claims to have already raised $8 billion” for the Vegas expansion team. I mean, wow. That’s just $2 billion less than what the Los Angeles Lakers were valued at when they were sold just last year. And they’re arguably the most popular team in the NBA. (Side note: the new owner is now under an investigation for fraud in how he went about financing the Lakers and the Dodgers purchases.) So much for the “dried up” language I used in that article. (This is why I usually stick to my “Entertainment Nuance Guy” tone in articles...) I went off old information—from April, when I read/heard about the NBA downplaying expansion efforts—instead of doing a quick double-check for new news. That said...if you read the article, the market for Seattle is “slow”, with just one reported bidder. So I wasn’t entirely off. This goof has annoyed me since I first published it, mainly because it undercut that article’s real point, which I stand by: NBA franchises are really overvalued right now. Now, I get why NBA teams are overvalued. When it comes to owning sports teams, it’s basically never wrong to assume that some rich person somewhere will care more about owning a team (or just being part of a group since they’re so expensive) than the actual financials. There are only so many teams to own, and opportunities to buy in preferred markets don’t come along very often. This explains why the teams sell for such high multiples (usually above a 10 to 12.5 revenue multiple, which is very high). You only need one person to overpay! Beyond the ultra-wealthy luxury good explanation, I worry NBA teams are becoming speculative assets. More and more private equity investors are buying into NBA teams. But the value, in owning a team, comes from selling it later, not any meaningful relationship to revenue or profit growth. In other words, the newer NBA owners are increasingly expecting someone later to buy their inflated asset. That’s not sound economics; that’s the “greater fool” theory at work.2 At some point, actually making money has to matter. Especially since revenue growth is now below the growth of the stock market. (And this matters because the NBA doesn’t have easy levers to pull to drastically lower their costs—half of their revenue has to go to players and then you actually have to run a team, including coaching, training, travel, media expenses, and more—or raise revenues aside from one-off expansions in America and overseas.) I just don’t see how investors make their money back buying NBA teams, except for selling at a higher price later on down the line. But if revenue/profit growth continues to slow, at some point, someone will be left holding the bag. RIGHT: Baseball and Basketball are about equally popular. Related to the above, I wanted to cite two quick pieces of evidence for one of my other theories: that the NBA and MLB are about as popular as each other, but the NBA gets much, much better media coverage. One YouGov survey has that fans prefer basketball to baseball by 52% to 48%, which I’m guessing is within the margin of error for that poll. That’s virtually even, meaning they’re about the same popularity. Over on NBC, a recent Red Sox-Yankees game averaged 4 million viewers, higher than Sunday Night Basketball’s average of 3.4 million on the same network. A Yankees-Dodgers game averaged 3.9 million two weeks ago. Not every game averages this much, but it shows you that baseball isn’t far off from basketball, depending on the matchup. Altogether, the NBA is just slightly more popular than baseball, but NBC is paying MLB a fraction of what they pay the NBA, a point I’ve made before. RIGHT: Angel, MUBI and Neon Updates... I’ve long been skeptical about many of Hollywood’s buzziest startups/smaller indie studios. It’s not that they don’t make great movies—films like Anora and Everything Everywhere All at Once are amazing—or that they’re not (rightfully) pushing the majors to make better films, but...they get a ton of hype, and that hype often doesn’t live up to the reality or difficulty in scaling up. Starting with MUBI, well, The Wall Street Journal wrote a feature on MUBI’s struggles last April, best summarized by the subheader “After Sequoia valued Mubi at $1 billion, a left-wing revolt sent the indie film company into a tailspin”. MUBI lost $7.3 million on $200 million in revenue in Q4 2025, but reportedly hit a record 1.7 million subscribers at the end of Q1. As for Neon, Department M purchased a “significant stake” in the company earlier this year. How much is that “stake” worth? According to Deadline, “No financial figures for the Neon-Department M deal were disclosed.” So...that’s not great! If it was a big valuation, we’d hear about. Also, I found this curious: “Both Neon and Department M already have separate partnerships with Qatar. The Qatar Film Committee has a slate deal in place with the former, and a biopic production pact with the latter.” Color me skeptical about much Middle Eastern investment dollars. See: LIV Golf. Finally, as for Angel (formerly Angel Studios), their stock very, very slightly popped last month after Young Washington ($20 million budget) which made $45 million in the US, but their stock is still way down from its opening. Smaller Updates RIGHT: The WGA should focus on antitrust concerns! I’ve been on this for years. Post-WGA/AMTPT deal in 2023, I wrote an article for the Ankler calling on the WGA to focus and organize against industry consolidation. Sure enough, the WGA filed a lawsuit against the Paramount-WBD merger, and people are organizing around this issue now. I wish this energy had coalesced earlier (specifically to lobby Washington much earlier), but better late than never! WRONG: Actually, the chip shortage might be due to market manipulation. In my last “Long Reads for the Long Summer” article, I shared an article about how LLMs are causing memory chip prices to spike, which will make all electronics more expensive. Well, turns out, three RAM manufacturers control 90% of the market, and now a private lawsuit accuses them of price-fixing. So yeah. WRONG/UPDATE: The Odyssey will hold! Two weeks ago, I wrote, “As of this moment, we haven’t had a super-blockbuster, though The Odyssey, Spider-Man: Brand New Day and Avengers: Doomsday could all cross the $500 million mark. (At this point, The Odyssey would need a very strong hold to get there.)” Well, it’s safe to say it’s going to have that hold! It only dropped 30% in weekend two and IMAX screenings are sold out all month. Spider-Man: Brand New Day is also off to a great start. RIGHT: People are rushing to get shows out yearly. I’ve long been bullish on yearly, weekly-released shows, and Leslie Goldberg at The Ankler wrote about how many people in town are now listening. WRONG: Mark Carney reverses Canada’s stance on homegrown production. After writing about Canada installing domestic production quotas, Canada has backed off. WRONG: I don’t trust Spider-Man: Brand New Day’s online “views”. When I originally wrote about the latest Spider-Man film’s record-breaking trailer, I thought this was just YouTube views, but after watching this Corridor Crew video and doing more research, well, it’s all social views of the trailer globally. Really? That stat includes TikTok, Reels and YouTube Shorts views. Basically, I don’t trust it anymore. (This film will probably set record, but I trust the pre-sales data more.) RIGHT: Celebrity Production companies are still struggling. I’ve written about this for years, but the company that I didn’t track was Kevin Hart’s HartBeat, which was valued at $650 million but is struggling now and might just end soon, especially after Kevin Hart pulled his endorsement deals. And Bad Robot is moving to NYC. CORRECTION: SpongeBob is a “second run” title. In my 2025 recap article, I had _SpongeBob SquarePants_labelled as a “library” title, when it is still a “second run” show, with new episodes still coming out on Nickelodeon. CORRECTION: In my last “What I Got Right, What I Got Wrong” update, I offered a correction from Doug Creutz and misspelled TD Cowen. Thanks, Grammarly! 1 Though he could have increased prices to make up for the gap, he couldn’t have increased them that much. 2 There’s a theory, which I think that Daryl Morey created and Bill Simmons popularized, that, to be successful building your team, you only need a handful of bad GMs in the league to take advantage of. To be clear, Daryl Morey’s theory was also for signing bad contracts, that you could always get out of bad contracts. Basically, there’s always someone who will make a bad trade. It’s not the same exact thing, but similar enough to the Greater Fool Theory that I really like it.
U.S. Small Business Employment Landscape Remains Steady
Workers experience notable increases in weekly earnings and hours worked growth in JulyROCHESTER, N.Y., Aug. 04, 2026 (GLOBE NEWSWIRE) -- According to the Paychex Small Business Employment Watch, the pace of U.S. small business job growth (99.23) in July remained steady and was slightly above average jobs index (99.20) for the first half of the year, signaling a steady employment environment among businesses with fewer than 50 employees. Although hourly earnings growth for small business workers