SCROLL NEWS / DISCOVERY
Search headlines
Find the stories shaping the conversation.
Results for " More than a " 770 found 🔀 AI-powered Shuffle
Missouri is poised to revert to former districts after Supreme Court rejects Trump-backed map
The decision means Missouri could run the November general election with different U.S. House districts than were used in the August primary — an extremely rare situation that could switch the candidate choices for more than a million potential voters.
Mount Nittany Health, union hospital workers reach tentative contract agreement
After months of frustration and more than a dozen rounds of negotiations, the union employees at Mount Nittany Medical Center have reportedly reached a tentativ
Patients struggle to access care more than a week after Luminis Health cyberattack
More than a week after a cyberattack knocked computer systems offline across Luminis Health, patients say they are still struggling to schedule appointments, ac
China’s global expansion offers German firms opportunity
Survey by German Chamber of Commerce in China finds that more than a third of respondents see internationalisation of domestic firms as key chance for growth.
Viewpoint: Unlocking Europe’s wildfire data
Europe is already investing in the science, technology and infrastructure needed to understand, prevent and fight wildfires. Copernicus provides satellite-based Earth observation and environmental information, while the European Forest Fire Information System provides information on fire danger and forest fires across Europe. Weather and climate systems add forecasts of heat, drought, wind and humidity; historical fire databases show where fires have occurred; and researchers generate increasingly detailed knowledge about fuels, fire behaviour, forecasting, modelling and risk management. Meanwhile, new European research projects are adding digital twins and other tools to this growing ecosystem.However, these data do not necessarily sit together, nor are they necessarily described, structured or governed in ways that allow them to be used together. Much of the information is public, but some is commercially held. Some is sensitive. Some is subject to legal, security or operational restrictions. Even when data can be legally accessed, different systems may use different formats, terminology and rules.Europe therefore faces an unusual paradox: we have vast amounts of relevant information to respond to the wildfire challenge, but not the means to bring it together. For example, a wildfire researcher or emergency service might need to ask whether a particular combination of vegetation, drought, wind and topography has historically been associated with rapid fire spread. The relevant information may exist in several institutions, using different systems and subject to different conditions of access.The challenge is to conduct an authorised analysis that interacts with these sources, combines the results and respects the rules imposed by each data custodian.An important part of the answer can be found in the Fair principles, the idea that data should be findable, accessible, interoperable and reusable. Developed more than a decade ago, these principles have become a central reference point for modern data stewardship, making it easier for people and machines to find data, understand what it means and determine whether it can be reused.Readability by machines is essential, since AI systems will be key to meeting the data challenge. Bring analysis to the dataThe proposition is not to give an AI system unrestricted access to sensitive databases. Quite the opposite. The goal is to make it possible for approved algorithms to go to the data, rather than requiring sensitive data or large datasets to be copied to wherever the analysis happens.Imagine an analysis asking a series of questions of different data stations. At one station it might examine weather and climate data; at another, historical fire records; at another, experimental measurements of fire behaviour. The algorithm does not need to download everything. It can operate within the environment permitted by each data custodian and return only the results that the rules allow to leave.This is sometimes described as data visiting, and related approaches already exist in areas such as federated analysis and federated learning.Sensitive data should therefore not be treated as a free-for-all for machines. This requires appropriate governance at multiple levels. Access needs to be authenticated and authorised. The purpose of an analysis should be defined. The code or model being run should be controlled. Data custodians should be able to specify what can be queried and what results can leave their environment. Activities should be auditable and human oversight should remain where the consequences require it.In other words, the objective is not to trust AI with the data. It is to design systems in which AI never has more access than it needs.As open as possible, as closed as necessaryFair data should also not be confused with open data. Some wildfire data should be openly available. Other information may legitimately need to remain restricted because it concerns critical infrastructure, security, commercial interests, privacy or operational capabilities. The principle should be: as open as possible, as closed as necessary.The important point is that restricted data should not automatically become unusable data. If machines can discover what information exists, understand its meaning, establish where it came from and determine the conditions under which it can be used, authorised analyses can potentially be carried out without the underlying data ever leaving the environment in which it is protected.Restricted data can still be Fair and machine-actionable.This is also an important question of data sovereignty. European institutions should not have to surrender control of their data to a handful of technology platforms in order to benefit from AI. Nor does Europe need to start again by building one giant repository for every piece of wildfire information. The better approach is to connect what already exists.This is the principle behind emerging approaches such as Tryangle, developed through the Leiden Initiative for Fair and Equitable Science. Rather than creating another centralised data warehouse, the approach seeks to provide an interoperable layer through which approved algorithms can visit distributed data sources while respecting the rules of their custodians.In this way, a data station can remain where it is. Its custodians can retain control. Existing databases and applications do not have to be abandoned. What changes is their ability to communicate with other systems through common, machine-readable descriptions, access rules and interoperability mechanisms.But approaches like this need data that meets the Fair principles. Only then can an interoperable ecosystem safely begin to turn fragmented information into collective intelligence.Data infrastructure is wildfire infrastructureThe implications of this approach are entirely practical. Firefighters could gain better intelligence about local and evolving risks. Land managers could test prevention strategies using more comprehensive information about fuels, weather and past fires. Researchers could compare evidence across ecosystems without repeatedly moving huge datasets between institutions. Smaller regions and resource-constrained teams could access analytical capabilities without having to build large data infrastructures themselves.Europe is already investing heavily in satellites, databases, research programmes, forecasting systems and scientific expertise. The question is whether we will connect those investments well enough to turn them into actionable intelligence.That requires policymakers and funders to treat data infrastructure as seriously as physical infrastructure. Data generated or supported through European public funding should be Fair, verifiable and machine actionable by design, wherever legally and ethically possible.Related articlesData Corner: Europe’s burning need for wildfire mitigation researchClimate monitoring must remain a global enterprise, experts sayIn practice, that means funding not only the production of data, but also the infrastructure that makes data usable across systems: metadata, provenance, interoperability, access mechanisms and governance. Where data must remain restricted, we should ensure that it can still be securely discovered, verified and used for authorised analysis.Initiatives such as the European Open Science Cloud offer an existing framework through which these principles can be put into practice. What is needed now is to accelerate implementation and make them a standard part of how Europe funds and builds research and innovation systems.We do not need another generation of disconnected databases. The data is already there. The opportunity is to make it work together, securely, responsibly and quickly enough to help prevent the next fire, rather than simply document the last one.Jean-Claude Burgelman is professor emeritus at the Free University of Brussels (VUB) and editor-in-chief at Frontiers Policy Lab. For more than 20 years he held leading roles in research and innovation policy at the European Commission.
16 Downtown State College Businesses Receive Facade Improvement Grants
More than a dozen downtown State College businesses and properties will receive funding for new signs, awnings, lighting, painting and other exterior
Billy Joel addresses his health, tells fans not to worry: 'I'm still here'
Billy Joel shared an update about his health more than a year after being diagnosed with normal pressure hydrocephalus.
Michael Wacha Explains What Drove Career Milestone for Royals
Wacha passed a personal mark that stood for more than a decade on Tuesday night.
Kinsman Road Appearance Deters New Businesses
Newbury Township officials debated how to address the multitude of landscaping businesses along state Route 87 during the Sept. 2 trustees meeting. Newbury Township Trustees agreed they do not plan to force out the more than a dozen landscaping businesses already established along the corridor. However, they said they would like to see some improve
Mysterious elk deaths in Nevada could offer clues about health of herds across the West
An unusual pattern of springtime elk deaths for more than a decade in northern Nevada has scientists searching for answers. What they find could shed light on broader questions about wildlife health across the West.
Mysterious elk deaths in Nevada could offer clues about health of herds across the West
An unusual pattern of springtime elk deaths for more than a decade in northern Nevada has scientists searching for answers. What they find could shed light on broader questions about wildlife health across the West.
The Legacy Business: Estate Management Ensures the Music Never Dies
Artists don’t live forever. We’ve been reminded of that too often lately. But when their time sadly does come to leave this plane, their memory can be more than a blessing. It can live on with the hel...
Sudan’s healthcare system on brink of collapse, MSF warns
More than a third of Sudan's health facilities are nonoperational as aid cuts deepen crisis, medical charity says.
Freida Parton remembers Dolly: ‘That’s the kind of sister she was’
Dolly was more than a global superstar to Freida Parton, she was her ‘Dolly Momma,’ the sister whose kindness she hopes the world never forgets.
Obsession Was A Huge Success. I Just Found Out Another Studio Totally Lost The Film
Sony Pictures just wanted Obsession to love them more than anything in the world.
Capcom Is Reviving More Dormant Franchises After The Success Of Onimusha: Way Of The Sword
After Onimusha: Way of the Sword sold more than a million copies at launch, Capcom is now looking to revive some of its other forgotten IPs.
Mike Detillier: More Than a Voice on the Radio
Mike Detillier left an unforgettable mark on Louisiana sports and on the people lucky enough to call him a friend.
More than a program: MOVE! community is changing Veterans’ lives
Veterans at the Orlando VA came together to share a journey to lower weight and better health through the MOVE! Program.
Fifty years of the Maison d’Ailleurs: a mecca for science fiction fans
From prison to sci-fi wonderland, Yverdon's Maison d’Ailleurs is more than a museum – it’s an adventure.
Colorado cafe owner defies county officials and court, stays open after failed health inspections
Grand County officials are weighing their options in a legal battle against a contentious cafe owner who continued to serve customers despite failing health departments inspections for more than a year.
“X-Men ‘97”: Two seasons in one
The second season of “X-Men ‘97” is two different shows in one: a strong origin story built off of the foundation of the first season, and an abrupt conclusion that felt rushed for more than a few reasons. Marvel Animation brought the world the best on-screen depiction of the X-Men we have ever seen. A...
UNT Health Fort Worth nursing student’s white coat signifies more than a career
The white coat rested neatly across Lina Morales’ lap as the first-year nursing student sat seven rows from the Bass Performance Hall stage.
Gascoine transforms a pottery hobby into thriving Monson business
MONSON — More than a quarter century ago Jemma Gascoine noticed an ad for an evening pottery class when she flipped through a copy of “Time Out London” magazine someone had left on a seat of the London train back in her native United Kingdom. Gascoine soon stopped by a class offered by Barry Guppy and attended his workshop classes for two years.
The Blood of Dawnwalker has sold 1 million copies in just 3 days
The Blood of Dawnwalker, Rebel Wolves' vampire RPG debut, has sold more than a million copies, the studio confirmed on social media.
Why this diet could be the next tool in treating mental illness
The keto diet is a serious therapeutic approach for brain disorders dating back more than a century.
Scientists altered the air around a Wisconsin forest for 11 years; extra CO₂ drove 39% more productivity, but ozone reversed part of the gain
What happens when young forest communities spend more than a decade growing in air with unusually high levels of carbon dioxide and ozone? Scientists in Wisconsin set out to find the answer by changing the atmosphere around these communities and tracking how the trees responded over 11 years.
In 1879, Edwin Hall discovered an electrical effect thought to need a perpendicular magnetic field; 147 years later, scientists have shown it can work with the field in-plane
For more than a century, the Hall effect has been taught with a simple picture that electricity flows through a material, a magnetic field pushes the moving charges sideways, and a voltage appears across the material. Now, scientists have found a way to make that familiar phenomenon work in a direction once thought impossible.
Diamondbacks 4, Houston 3 (10): Runs Plural!
The offense finally remembered how to score more than a single run in a game for the first time since last Sunday….
Katie Taylor At Croke Park: What Tonight Means For Ireland
Katie Taylor's Croke Park farewell vs Flora Pili is more than a fight, it's Ireland's cathedral of sport opening its doors to a trailblazer
Country music singer battling cancer at 35 shares update: ‘Death sitting like a wolf’
He has been battling rare cancer for more than a year.
Norwich's forgotten clock to go on loan to London Science Museum
It has been hidden away in storage for more than a decade.
The player who needs to deliver for the Penguins
According to Sportsnet: Pittsburgh Penguins: Arturs Silovs It’s something of a similar story in Pittsburgh. After finishing second in the Metro last season, after a string of campaigns in the division’s basement before that, the Penguins enter 2026-27 looking to prove their resurgence was more than a one-year fluke. They’ll do so with a lineup that’s […]
'Feisty' Doyle an all-round package for Wrexham
Wrexham assistant manager Steve Parkin described Callum Doyle as an "all-round package" following the defender's impressive start to the campaign. The former Manchester City defender has excelled since forcing his way into the side midway through last season. According to WhoScored.com, the centre-back ended the 3-0 victory over Millwall on Wednesday night having made one dribble, one tackle and three interceptions (more than any other Wrexham player) in addition to winning three aerial duels and two free-kicks.
Final Fantasy 7 Revelation is getting a physical version, but it will require an internet connection to download
Good news: FF7 Revelation is getting a disc version, even on PS5. Bad news: it's little more than a license-on-a-disc.
UNT Health Fort Worth nursing student’s white coat signifies more than a career
About 600 students celebrated a milestone as UNT Health expands programs aimed at meeting Texas’ healthcare workforce needs.
Video: Opinion | The Joke That Started a Political Movement
“For more than a decade, the people in India were scared of questioning the government. Now, finally, people are no longer scared,” Abhijeet Dipke, a 30-year-old Indian university graduate whose viral X post led to the creation of the Cockroach Janta Party, tells Opinion Video.
Petersburg Medical Center to receive federal grants to expand telehealth, maternal health, and behavioral health programs
The Petersburg Medical Center is positioned to receive more than a million dollars between three Rural Health Transformation Program grants. Administrators say they are projects that are ready to hit the ground running.
Maria Bartiromo leaves Fox News after more than a decade; no reason specified
There was no immediate reaction from Bartiromo
Penobscot Community Health Care to close one of its Bangor offices, cut 16 jobs amid financial shortfall
A Maine health organization that provides mental, dental and behavioral health services to about 50,000 people will close one of its practices and is cutting more than a dozen jobs amid a multimillion-dollar financial shortfall.
Coins, cards and buildings: Where the government has Trump’s name and face
President Donald Trump’s administration has put his name on more than a dozen buildings, documents, government items and programs during his second term.
Can Dontayvion Wicks elevate his game enough to become Eagles' WR2?
Dontayvion Wicks arrives in Philadelphia ready to prove he can be more than a role player.
YouTube Gold: Appalachian State Shocks The World
The Big Ten has been a football powerhouse for more than a century, and the main driving forces of that dominance have almost always been Ohio State and Michigan. Michigan Stadium, generally known as the Big House, seats 107,601, but they can squeeze in 115,000 on a big day when the fire Marshall’s not looking. […]
Christopher Borick blends public opinion with politics at Lehigh Opinion Observatory
For Dr. Christopher Borick, relocating to Lehigh is more than a change in workplace. It’s an opportunity to bring together decades of teaching, political research and public opinion analysis to a university that has long been part of his professional and personal life. Borick joined Lehigh full-time in July after spending much of his career
Middleton leads Johnson in race for Texas attorney general, but the contest is unusually close
State Sen. Mayes Middleton spent lavishly to capture the Republican nomination and build statewide name recognition. But the most recent polling shows him just five percentage points ahead of Democratic state Sen. Nathan Johnson -- with more than a fifth of voters still undecided.
ATLAS publishes first paper on Public Engagement with Science
You can’t exactly take the ATLAS experiment on tour. At 7,000 tonnes and buried 100 metres underground at CERN, it’s not easy to move. So, for more than a decade, the ATLAS Collaboration has found another way to bring the experiment to people around the world: live, interactive virtual visits with the scientists who work on it. In a recent paper published in the European Physical Journal Plus, the ATLAS Collaboration documents the evolution and impact of its flagship Virtual Visits programme. The paper is the Collaboration’s first publication focused specifically on science education, communication and outreach. It traces the programme from its beginnings as an experimental outreach effort in 2010 through its growth into a global programme – connecting classrooms in the Amazon, schools in the Himalayas and even a research station in Antarctica. Drawing on data collected between 2019 and 2025, the paper examines the programme’s reach and impact. Global reach, local connection Figure 1: World map showing the number of virtual visits across participating countries from 2019 to 2025. Cooler colours (purple and blue) are used for countries with fewer visits, and warmer colours (red and orange) for countries with more visits. (Image: ATLAS Collaboration/CERN) The core mission of the ATLAS Virtual Visit programme is to connect audiences worldwide with particle physicists and engage them in accessible discussions about cutting-edge research. While visiting CERN in person is an unforgettable experience, financial and logistical barriers can make such a trip difficult for many students and public groups. Video conferencing has allowed the Collaboration to break down these barriers: between 2019 and 2025, the Collaboration hosted 698 virtual visits, engaging tens of thousands of participants across nearly 70 countries (see Figure 1). Interactivity is central to the programme. Far from simple one-way broadcasts, Virtual Visit audience members are encouraged to engage in conversation with the scientist(s) hosting the visit. Most hosts are volunteers from the ATLAS Collaboration, who bring their diverse scientific expertise, language skills and cultural backgrounds to each visit. Where possible, audiences are paired with volunteer scientists who share their native language and cultural background, making it easier to engage, ask questions and connect with the hosts. Between 2019 and 2025, Virtual Visits were held in 19 different languages. The core mission of the ATLAS Virtual Visit programme is to connect audiences worldwide with particle physicists and engage them in accessible discussions about cutting-edge research. Constant evolution Figure 2: The number of ATLAS Virtual Visits organised annually since 2019. (Image: ATLAS Collaboration/CERN) The ATLAS Virtual Visit programme has continuously evolved to enhance the visitor experience. Early sessions were hosted directly from the ATLAS Control Room before transitioning in 2014 to a dedicated space in the ATLAS Visitor Centre, equipped with modern videoconferencing technology. In 2019, the ATLAS Collaboration expanded the programme’s reach, introducing live Virtual Visits from the experimental cavern during year-end maintenance stops and long LHC shutdowns. These exclusive sessions take participants beyond the ATLAS visitor platform, offering real-time, up-close views of the towering detector. When the COVID-19 pandemic disrupted in-person gatherings worldwide, demand for virtual engagement surged. The ATLAS Collaboration adapted rapidly by introducing Open Virtual Visits streamed via Zoom and YouTube, allowing individual science enthusiasts and families to join live guided tours. Figure 2 shows that the programme reached a peak of 155 visits in 2021 and has since maintained around 100 visits per year, demonstrating sustained engagement beyond the pandemic-driven increase. More than just a tour Beyond participation numbers, the paper highlights the positive impact on participants and educators. Teachers report successfully integrating Virtual Visits into their physics curricula, sparking sustained curiosity and in many cases inspiring students to pursue STEM studies and careers. Feedback received also highlighted how the direct dialogue with ATLAS scientists has given students an authentic and personal perspective on particle physics, helping them connect what they learn in the classroom with the people behind ATLAS research. Looking ahead, the programme will continue to evolve with new technologies and communication platforms. The goal is simple: to give even more audiences the opportunity to engage directly with particle physics and make fundamental science open to all. Learn more Breaking barriers: the impact of ATLAS Virtual Visits in science communication (Eur. Phys. J. Plus 141, 874 (2026), arXiv:2601.22457, see figures) ATLAS Virtual Visit Dashboard Register for an ATLAS Virtual Visit
27% of U.S. adults turn to AI for personal, emotional, social queries
More than a quarter of U.S. adults turn to chatbots for personal or emotional discussions, including for entertainment or social advice, a new survey found.
How Small Businesses Are Quietly Leading a Retirement Revolution
Retirement benefits can send a signal to employees that you’re building something more than a business — you're building something that lasts.
Scottsdale investment firm acquires Shasta Pools, plans nationwide growth
It was more than a year ago when Jeff Thiessen, president of Scottsdale-based Dansons Capital Group, was in the middle of having a pool built in his backyard when the builder couldn't finish the job.
Catheter ablation for AFib fails to improve quality of life more than a sham procedure
It was a relatively small study, and patients were only followed for six months, but these late-breaking data out of ESC Congress 2026 give care teams a lot to consider.
Weiss Furniture to close after 107 years in business
Weiss Furniture, a business that has served Latrobe and the surrounding area for more than a century, is preparing to close its doors.
John Galliano's Met Gala 2027 exhibit canceled after backlash
Fashion designer John Galliano pays the price, again, for racist outbursts that upended his career more than a decade ago. His Met Gala 2027 exhibit has been canceled.
A 12TB Steam “teraleak” spills more than a decade of lost PC gaming history
Cut content from Portal 2, hints of Half Life 2: Episode 3, and so much more.
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.
How a comic book store got swept into the tariff storm
Tariffs continue to rile all kinds of American businesses more than a year after Trump unveiled his first set of tariffs — including a comic book store owner in Ohio.
More than a game: Why golf could be great for your health
Golf is bringing some of the world’s best athletes to Atlanta for the PGA Tour Championship but you don’t have to be a professional golfer to get some serious health benefits from the sport. Dr. Joseph Powers, a sports medicine physician with Northside Hospital, who is also providing on-the-course athlete care for the Tour Championship, joins us live to talk about golf.
Aldine Students Turn Food Truck Models Into Lessons in Business, Teamwork and Entrepreneurship
IMAGE For students in Marilyn Johnson’s business classes at Eisenhower Ninth Grade College Prep, a food truck begins with more than a menu. It starts with a question: What do their customers want? Over the past four years, Johnson has turned a classroom assignment into a hands-on business simulation that asks students to take an idea from customer research to a 3D food truck model — and build a business around it. The project recently received a boost when Greater Texas Credit Union presented Johnson with a $250 award recognizing her commitment to students and meaningful learning experiences. “I want students [...]
Democrats want to draw more safe House seats. It could cost Black lawmakers.
Republicans have added more than a dozen conservative-leaning House districts, giving them a shot at keeping their threadbare majority.
Rockstar Posts Statement On ‘GTA 6’ Leaks As Lucia Story Spoilers Hit
After more than a week of non-stop Grand Theft Auto 6 leaks from a source known as Cyberleeks, Rockstar has finally issued its first public comment on the situation.
Scientists hunt for dark matter deep underground
A SLAC-led experiment more than a mile beneath a Canadian mine has begun collecting early scientific data ahead of a full-sensitivity search next year.
Escape Today to close after 10 years, owners launching 3 new entertainment concepts
Escape Today Owensboro will close its doors at the end of 2026 after more than a decade in business, but its owners say the decision is less an ending than a shift toward three new entertainment concepts — including an outdoor recreation space, private event venue, and retro-themed arcade bar.
NBC CT Investigates: Why did a century old business shut down?
A Connecticut manufacturing company that has operated for more than a century has closed its doors, with its longtime owner citing soaring business expenses and tariffs as key reasons for the decision. Leed-Himmel Industries, a custom aluminum manufacturing company based in Hamden, has been winding down operations after decades of serving customers. The closure did not come as a surprise…
There is still some unsettled business in the NHL offseason: Red Wings GM, Dylan Larkin, Connor Hellebuyck, Adam Fantilli and more
The start of the 2026-27 NHL season is a little more than a month away, and there are still a few big storylines that still need to be settled around the league. Let’s talk about some of them… 1. The Detroit Red Wings still need a general manager, and that person has to figure out what to do with Dylan Larkin The Red Wings are definitely not the worst team in the league, but this is still a pretty chaotic situation where things are looking quite grim from the outside. They have not really done much to meaningfully improve a roster that has proven time and time again it is not good enough to make the playoffs or be a contender. They still have $19 million in unused salary cap space. The Yzer-plan has officially come to an end with general manager Steve Yzerman being moved elsewhere in the organization, while ownership seems to be taking its sweet time finding a replacement. One of their top young players, defenseman Simon Edvinsson, remains unsigned as a restricted free agent and has nobody to negotiate a new contract with at the moment. The longer that drags out into training camp, the worse that is going to be for the team, himself and his development. They still have the Dylan Larkin situation lingering over everything as their captain, longest-tenured player, and one of their best players has a trade request that has yet to be fulfilled. The entire situation is also on hold until a new general manager comes in and figures out what to do with Larkin and whether or not his request will be honored. But the latter point brings up another potential question and issue: What if a new general manager comes in and is able to convince Larkin to stay in Detroit? Is that beyond the realm of possibility? Is it really a stretch to think that Larkin’s issue was more of an Yzerman issue than a Red Wings issue? While Larkin has never said anything specifically about his relationship with Yzerman, it’s pretty clear that he did not share the vision for the franchise, or the way the team was being run and constructed. Now that somebody else is going to be running the show, there might be a door for Larkin to walk back in through. Even that brings its own set of potentially chaotic outcomes and questions, ranging from whether or not the Red Wings locker room will welcome him back as their captain, to whether or not the fan-base will be willing to do the same. I imagine the former will be a far easier sell than the latter, and even then nothing cures issues in professional sports quite like winning. They just need to find somebody that can actually turn them back into winners. For now, and based on everything we know, Larkin’s trade request still stands, and still includes just four teams he is willing to accept a trade to, including the Vegas Golden Knights, Minnesota Wild, Florida Panthers and Dallas Stars. Minnesota remains the best potential fit from a hockey and positional standpoint, but the Wild simply do not have the type of trade assets or young talent that should interest the Red Wings. None of the other three teams seem to be in any better of a situation. Nothing about this seems fun for the Red Wings. 2. Will Connor Hellebuyck be a Winnipeg Jet this season? Subscribe
Highmark Health boosts Q2 operating income
Led by gains in its health plans and hospital subsidiaries, Highmark Health on Monday reported more than a six-fold increase in operating income for the...
Scientists left this farm field alone. Thousands of orchids appeared
An abandoned farm field became a flourishing wildflower meadow within little more than a decade, with plant diversity doubling and thousands of orchids appearing naturally. The discovery suggests that simply giving nature time to recover could be a powerful and inexpensive tool for restoring biodiversity.
Former Seattle Times sports columnist resigns, says pieces weren't published over politics
A former Seattle Times sports columnist announced his resignation from the paper after more than a decade.
To Probe Mark Walter’s Business, DOJ Sought Egan-Jones’ Records
As billionaire Mark Walter’s insurance companies invested in bonds, they often relied on Egan-Jones, which provided the only known ratings for more than a fifth of those assets, according to industry records.
Riot Will End Active Development On 2XKO At The End Of The Year
2XKO will be out a little more than a year before Riot will cease dev
‘Doesn’t wanna win’: Charlamagne Tha God bashes Hakeem Jeffries over healthcare
if a political leader as powerful as Hakeem Jeffries changes position on a major issue, voters deserve more than a pivot. They deserve the why and, more importantly, the what now.
Resonance: A Plague Tale Legacy – Why This Is Far More Than A Plague Tale 3
Resonance: A Plague Tale Legacy sees this beloved franchise take a huge leap forward. Ahead of launch next week, the team at Asobo took the time to share their insights on building a very different kind of journey.
Bexar County reports first dog rabies case in more than a decade, health officials say
A dog tested positive for rabies in Bexar County for the first time in more than a decade, according to Animal Care Services and Metro Health.
Wu-SJC-ruling-controversy-ruling
The ruling is a big win for Wu, who has faced more than a year of allegations that she was stuffing an unpopular and possibly illegitimate idea down the throat of a community that didn’t want it.
Trust in science: A new STAT initiative
Dear Readers, When we launched STAT more than a decade ago, our mission statement promised that we would deliver "trusted, tough-minded journalism.''
Attack ads revive questions of Ken Paxton's ethics
The most recent ad from Democratic candidate James Talarico rehashes when Paxton stole a $1,000 pen more than a decade ago — an issue that became a major scandal during the Republican’s first run for attorney general in 2014.
Coffee drinkers have less fat, more muscle, and surprising hormone differences
Coffee drinkers may be getting more than an energy boost. A Finnish study found that people who drank more coffee tended to have less total and abdominal fat, more muscle, and healthier metabolic markers despite having similar BMIs. Higher coffee intake was also linked to lower levels of certain amino acids associated with insulin resistance and type 2 diabetes risk.
What 3,600 adults with diabetes revealed about lifestyle and heart health
In 3,612 British adults with type 2 diabetes, greater adherence to the Mediterranean Lifestyle Index was associated with lower risks of major adverse cardiovascular events, cardiovascular death, and all-cause mortality over more than a decade of follow-up. Dietary patterns, physical activity, rest, and social habits all contributed to the observed associations, although the observational study cannot establish causality.
In Good Health: Finding A Primary Care Physician
When was the last time you went to the doctor?Not necessarily for something big, not for a broken finger or the flu. Just a checkup. A regular annual visit to make sure everything is ok with your health.For about a third of Americans, it’s probably been too long. In 2024, more than 100 million people did not have a regular primary doctor at all, according to the National Association of Community Health Centers.The outlook is particularly bleak for young people. More than a quarter of people aged 18 to 29 polled in a national survey this summer said they didn’t have a primary care doctor. And over half of them who did have a doctor said they skipped or didn’t schedule an annual wellness check up in the past year.But the blame shouldn’t fall solely on the patients. Primary care doctors are getting squeezed by the current healthcare system. There’s a growing shortage of primary care physicians. That can mean wait times of months just to get an appointment.For today’s installment of our series, “In Good Health,” we’re unpacking the state of primary care—and what to do if you don’t have access to it.Find more of our programs online. Listen to 1A sponsor-free by signing up for 1A+ at plus.npr.org/the1a.
Exclusive: You Can Finally Buy a Fairphone—a Sustainable, Repairable Smartphone—in the US
More than a decade after launching in Europe, the Netherlands company is now selling its repairable phones in the US, starting with the Fairphone (Gen 6+).
Korean, Japanese restaurant in Oakley closes after more than a decade in business
Since opening in 2014 and surviving the Covid-19 Pandemic, the couple has felt the Oakley community’s warmth for more than a decade.
Kentucky Gov. Beshear Keeps Pushing for Info on McConnell’s Health. He Says He’s ‘Heard Absolutely Nothing Back’
It's been more than a month since the Democratic Governor issued a public letter calling on the Republican to update his constituents on the status of his health amid a lengthy hospitalization.
Why Hybrid Healthcare Is a Business Imperative for Employers in Maine
Access to healthcare is more than an employee recruiting or retention tool. It’s one of the largest line items on the balance sheet and a critical factor in workforce stability. As costs and expectations rise, employers and employees want a simpler healthcare experience.
Seedy foreign money shaping culture, politics
More than any political cycle in memory, the 2026 primary campaign season has been marked by frequent, and often hysterical, condemnations of the influence of the so-called “Israel lobby.” After the conspiratorial anti-Trump gadfly Rep. Thomas Massie (R-Ky.) lost his Republican congressional primary in northern Kentucky in May, he quipped about the Trump-endorsed former Navy […]
Inside America's health insurance 'death spiral'
The Affordable Care Act is facing what policy experts call its most serious affordability crisis since it began widely offering coverage more than a decade ago
Europe's heatwaves expose insurance gap as business losses mount
For more than a century, cafes in the Italian city of Padua have welcomed customers for an early evening drink, or aperitivo, encouraging them to sit outside and socialise before dinner.
Denver business owner frustrated at police response time after break-in
One Denver business owner is voicing frustration after officers took more than an hour to respond while thieves made off with thousands of dollars in merchandise during a recent burglary.
New Marlboro Co. campground combines outdoor fun, heart health and community
A new campground in Bennettsville is looking to become more than a place to park an RV or pitch a tent
Josh Jacobs could return to Packers practice next week
Packers running back Josh Jacobs has missed more than a week of practice with a groin injury, but his return could be around the corner.
Whatley’s lobbying work not featured on campaign website
Whatley spent more than a decade lobbying for oil and natural gas companies.
Trilith Foundation Brings the Science of Human Flourishing to Life at the 2026 Flourishing Summit
The phrase "human flourishing" often sounds like a beautiful aspiration—an inspiring idea that people hope to achieve but struggle to define. What if flourishing is more than an inspirational concept? What if there is actual science behind it?
Emergency Medicine Residency Program strengthens South Texas healthcare workforce
For more than a decade, the UT Health San Antonio program has trained doctors to address shortages in care across the region.
NFL's best WR reveals two cornerbacks that are his kryptonite
Since the moment he stepped on an NFL field out of LSU in 2021, Ja'Marr Chase has been one of the best wide receivers in the league. The 81 receptions, 1,455 yards and 13 touchdowns he put up in his rookie season would be a career year for more than a few top-tier wide receivers. He has never had ...
PPB, PF&R Safely Rescue Juvenile in Mental Health Crisis
The Portland Police Bureau and Portland Fire & Rescue collaborated for more than an hour to safely rescue a juvenile boy experiencing a mental health crisis.
49ers Injuries Continue to Mount as Training Camp Rolls On
The San Francisco 49ers are hoping their growing list of training camp injuries is nothing more than a temporary setback, but the number of players missing practice continues to be a concern as the regular season gets closer. The latest names to miss practice are two of the biggest stars on the roster. Running back…
Forty Under 40: Lauren Blass
Lauren Blass started working in commercial real estate after a 15-year career in commerce marketing. The Bentonville native took a sabbatical for more than a year after serving as senior...
Forty Under 40: Lauren Blass
Lauren Blass started working in commercial real estate after a 15-year career in commerce marketing. The Bentonville native took a sabbatical for more than a year after serving as senior...
Incoming Inglewood Transit Connector project to displace more than a dozen businesses
The shopping center will be torn down for the Inglewood Transit Connector, a parking structure and bus loop that aim to make transit in the area more efficient.
How hospital monopolies are driving up the cost of your health care
More than a million times a year, a U.S. surgeon slices open a knee, strips out worn cartilage, caps the leg bones with metal and drops in a plastic spacer to allow the new joint to glide. But while these knee-replacement procedures have become standard, the prices charged have not.Subscribe to The Post Most newsletter for the most important and interesting stories from The Washington Post. At Catawba Valley Medical Center in Hickory, North Carolina, for example, the cost of the procedure under
Grants Boost New Waynesboro Businesses
Heading into Waynesboro on Route 250 past the Rockfish Gap entrance of Shenandoah National Park and the Blue Ridge Tunnel’s western portal, signs of an entrepreneurial wave are easy to spot. The Virginia Metalcrafters Marketplace, a cavernous industrial space where metalworkers forged iron and brass products for more than a century before sitting vacant for
The Pixel 10 Pro is a flawed and inconsistent phone — and I'm still using it one year later
I've had my Pixel 10 Pro for almost a year, and through ups and downs, it is still the phone I use more than any other.
Steppin’ Out Festival in Blacksburg draws small business vendors from across the region
Vendors at Blacksburg's 45th annual Steppin' Out Festival say the weekend event is more than a sales opportunity — for some small business owners, it's their only storefront.