SCROLL NEWS / DISCOVERY

Search headlines

Find the stories shaping the conversation.

Search mode
Refine results
Active filters Keyword All time

Results for " Years " 10,205 found 🔀 AI-powered Shuffle

Ernst Names Small Business of the Week, The Bread Board

Read the release on Sen. Ernst's website HERE. Throughout this Congress, Chair Ernst plans to recognize a small business in every one of Iowa’s 99 counties. RED OAK, Iowa – U.S. Senator Joni Ernst (R-Iowa), Chair of the Senate Small Business Committee, today announced her Small Business of the Week: The Bread Board of Marion County. Throughout the 119th Congress, Chair Ernst plans to recognize a small business in each of Iowa's 99 counties. “The Bread Board has risen to the occasion, growing from Heidi’s passion for baking into a thriving Pella bakery that brings people together,” said Chair Ernst. “From serving fresh sourdough and homemade meals to supporting local businesses, schools, and community events, Heidi and her team have proven they have the perfect recipe for success.” Heidi Rozenboom grew up baking fresh bread alongside her grandmother, always using the same bread board that would eventually inspire her business’ name. Years later, Heidi started selling fresh bread to local coffee shops and cafes. As demand grew, she opened her storefront in downtown Pella in 2021 and named her bakery the Bread Board. Today, the Bread Board serves fresh sourdough bread, pastries, homemade meals, and other baked goods. Stay tuned as Chair Ernst continues to recognize outstanding Iowa small businesses with her Small Business of the Week award. ###

sbc.senate.gov logo
Aug 31 • 6:01 PM EDT • Business • sbc.senate.gov
‘Ghost employee’ scheme earns former senior director at Optum 3 years in prison

As part of a fake job scam where a friend received a six-figure salary despite doing no work, a former senior director at Optum was found guilty of committing fraud and money laundering.

healthexec.com logo
Aug 31 • 5:18 PM EDT • Health • healthexec.com
What ECU Health learned 24 hours into a wearable safety rollout

Randall Walston has spent 35 years with ECU Health and now leads a single police department covering all nine of the system's hospitals in eastern North

beckersbehavioralhealth.com logo
Aug 31 • 5:13 PM EDT • Health • beckersbehavioralhealth.com
Monday Musings: The Ghost of ABC Sports

On the latest "Monday Musings," the lost legacy of ABC Sports 20 years after its dissolution. Plus, thoughts on Karl Ravech's exit from ESPN.

sportsmediawatch.com logo
Aug 31 • 5:12 PM EDT • Sports • sportsmediawatch.com
Steve Jobs’ 8th-grade science fair project sells for nearly $35,000

SAN FRANCISCO (KRON) — A science fair project created by Cupertino eighth-grader Steve Jobs in 1968 sold for nearly $35,000 at an auction this month. Just days after turning 13 years old, Job…

kron4.com logo
Aug 31 • 4:27 PM EDT • Science • kron4.com
9/11 and Immigration: Twenty-Five Years of Lessons and Unfinished Business

The Center for Immigration Studies will convene a panel discussing the role immigration and border security played in the attacks, the major policy changes that followed, and the national-security challenges that remain.

cis.org logo
Aug 31 • 4:19 PM EDT • Business • cis.org
Kelly Clarkson says goodbye to her talk show after a successful 7-year run

Kelly Clarkson sang ‘Golden’ and other fan song requests in series finale of ‘The Kelly Clarkson Show,’ after seven years on the air.

ew.com logo
Aug 31 • 4:08 PM EDT • Entertainment • ew.com
After 45 years in business, this West Menlo Park institution is slated to shutter

Lutticken’s Deli and After 5 Restaurant, a sandwich shop and restaurant that has operated in unincorporated West Menlo Park since 1981, is set to close at the end of September.

mercurynews.com logo
Aug 31 • 3:34 PM EDT • Business • mercurynews.com
Deep dive
😐 Neutral (7%)
wow
100%
Sen. Ed Markey, Democrat, across decades in Massachusetts politics

Markey has served in Congress for nearly 50 years. Here he is in recent years.

usatoday.com logo
Aug 31 • 2:27 PM EDT • Politics • usatoday.com
Massive KC entertainment center closes after 13 years. ‘So many memories’

“Celebrations, milestones, rainy-day adventures, and so many moments that we will carry with us long after the lights go out tonight,” the business wrote on social media.

kansascity.com logo
Aug 31 • 1:27 PM EDT • Entertainment • kansascity.com
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.

cbsnews.com logo
Aug 31 • 1:12 PM EDT • Business • cbsnews.com
High-Signal Publisher
CARES Celebrates 5 Years Providing Alternative Emergency Services in Madison

Madison's Community Alternative Response Emergency Services program, popularly known as CARES, turns five years old on September 1, 2026.CARES has been warmly embraced by the community and enthusiastically supported by local leaders since its inception. Developed specifically to address acute behavioral health emergencies that are non-violent in nature, CARES aims to provide timely care that is responsive to a person's specific needs.

cityofmadison.com logo
Aug 31 • 10:00 AM EDT • Health • cityofmadison.com
Housemarque co-founder Ilari Kuittinen steps down after 31 years

Housemarque co-founder and managing director Ilari Kuittinen has left the studio, the developer announced.

gematsu.com logo
Aug 31 • 9:33 AM EDT • Technology • gematsu.com
Dick Van Dyke shares impressive workout video at 100 years young

Dick Van Dyke’s latest workout video has fans floored by the 100-year-old actor’s physical fitness.

ew.com logo
Aug 31 • 9:21 AM EDT • Entertainment • ew.com
🎾 Y! Sports AM: Novak knocked out

For the first time in 20 years, Djokovic lost in the first round of a major.

sports.yahoo.com logo
Aug 31 • 9:10 AM EDT • Sports • sports.yahoo.com
😐 Neutral (9%)
sad
100%
Sanford surgeon earns prestigious traveling fellowship

Orthopedic surgeon Nathan Skelley, an AANA Traveling Fellow, is working to advance orthopedic programs at Sanford Health for years to come.

news.sanfordhealth.org logo
Aug 31 • 9:00 AM EDT • Health • news.sanfordhealth.org
A “quantum bath” puts quantum entanglement on autopilot

Physicists have demonstrated a new way to entangle distant quantum bits without the constant measurements and active control normally required. The team created a “quantum bath,” a shared environment filled with correlated microwave photons that automatically pushes separated qubits into an entangled state and helps keep them there. The experiment confirms a theoretical prediction made more than 20 years ago and could offer a simpler way to connect modules in future quantum computers.

sciencedaily.com logo
Aug 31 • 8:00 AM EDT • Science • sciencedaily.com
3 things to try to improve your brain health

Keeping your mind active can help offer protection for years to come.

washingtonpost.com logo
Aug 31 • 8:00 AM EDT • Health • washingtonpost.com
Ancon Construction Receives 2026 Governor’s Half Century Business Award

Ancon Construction has been named a recipient of the 2026 Governor’s Half Century Business Award, recognizing the company for 50 years of continuous operation in Indiana and its longstanding …

buildingindiana.com logo
Aug 31 • 7:00 AM EDT • Business • buildingindiana.com
Villa-Chelsea transfer links are about business, not friendship, says Emery

Aston Villa do not share a special relationship with Chelsea despite a number of transfers ​between the clubs in recent years, manager ‌Unai Emery said on Sunday, describing the deals as purely business transactions.

reuters.com logo
Aug 31 • 5:28 AM EDT • Business • reuters.com
This Marine Died in the Iraq War. His Mother Asks, ‘What Was It For?’

Travis Fuller was from my hometown. I went back and talked with his family about how they made sense of his death, 25 years after Sept. 11.

nytimes.com logo
Aug 31 • 5:02 AM EDT • Politics • nytimes.com
The curious case of Sam Bankman-Fried's friends' Anthropic shares

Sam Bankman-Fried's Anthropic stake was liquidated in bankruptcy court two years ago. His friends' shares went down a different path.

businessinsider.com logo
Aug 31 • 5:00 AM EDT • Business • businessinsider.com
UToledo College of Pharmacy and Pharmaceutical Sciences Welcomes Largest Pharm.D. Class in 5 Years

White Coat Ceremony marks the start of the professional journey for 135 incoming pharmacy and pharmaceutical sciences students.

news.utoledo.edu logo
Aug 31 • 3:50 AM EDT • Science • news.utoledo.edu
Deep dive
😐 Neutral (24%)
ahah
48%
love
26%
wow
26%
Trump says Venezuelan oil will lower gas prices. Analysts disagree.

Analysts say Venezuela needs years of investment to boost oil production, and that 65 billion barrels won't materialize overnight.

businessinsider.com logo
Aug 31 • 1:01 AM EDT • Business • businessinsider.com
BUSINESS MONDAY: Spotlight on Bilmar Veterinary Services in Great Barrington

The locally owned practice, which dates to 1945, is marking 10 years under the ownership of Dr. Emily Newman—continually expanding its offerings along the way.

theberkshireedge.com logo
Aug 31 • 12:18 AM EDT • Business • theberkshireedge.com
US Open: Novak Djokovic’s body finally said enough. Is this the end?

For the first time in 20 years, Djokovic has been bounced in the first round of a Grand Slam.

sports.yahoo.com logo
Aug 31 • 12:08 AM EDT • Sports • sports.yahoo.com
😐 Neutral (10%)
wow
100%
‘Glee’ star Naya Rivera’s 10-year-old son Josey sets film debut opposite his father

Naya Rivera’s son Josey has landed his first film role at only 10 years old. He will star in the drama ‘The Burning Valley’ opposite his dad, Ryan Dorsey, 6 years after his mother’s death at age 33.

ew.com logo
Aug 30 • 10:19 PM EDT • Entertainment • ew.com
Plan to cut number of polling sites in a major Texas county

Plans in one of Texas’ largest counties to use dozens fewer polling location than previous years is drawing protests from Democrats who say the reductions could create confusion in the November midterm elections

abcnews.com logo
Aug 30 • 8:44 PM EDT • Politics • abcnews.com
Plan to cut number of polling sites in a major Texas county draws protests as Senate race looms

Plans in one of Texas’ largest counties to use dozens fewer polling location than previous years is drawing protests from Democrats who say the reductions could create confusion in the November midterm elections.

news4jax.com logo
Aug 30 • 8:44 PM EDT • Politics • news4jax.com
🙂 Positive (35%)
Ground Zero responder discusses long-term 9/11 health impacts

A 9/11 volunteer who helped clear debris at Ground Zero is raising awareness about long-term health struggles as the nation prepares to mark 25 years since the attacks.

fox5atlanta.com logo
Aug 30 • 8:31 PM EDT • Health • fox5atlanta.com
Deep dive
😐 Neutral (8%)
wow
41%
ahah
35%
love
24%
Hong Kong Science Park: Asia’s tech powerhouse celebrates 25 years

As Hong Kong’s premier science and technology ecosystem marks its silver jubilee, PostMag revisits the legacy of connection and invention that sustained 25 years of innovation, and meets the leaders driving the vision for the institution’s next chapter.

scmp.com logo
Aug 30 • 8:00 PM EDT • Science • scmp.com
Antarctica developed a continental-scale ice sheet 34 million years ago while Earth was about 5°C warmer than today — helped by slow-moving mantle waves that had spent more than 100 million years lifting its interior high enough for permanent ice to survive.

A 2026 modelling study links East Antarctica’s high plateau to mantle processes begun during Jurassic breakup, while retaining falling carbon dioxide as the main trigger for glaciation.

spacedaily.com logo
Aug 30 • 6:30 PM EDT • Science • spacedaily.com
Titans finally end Will Levis experiment with former starter’s release

The Titans released former starting quarterback Will Levis three years after using an early second-round pick to acquire him.

sports.yahoo.com logo
Aug 30 • 5:39 PM EDT • Sports • sports.yahoo.com
😐 Neutral (0%)
With Aaron Donald back, Rams become one of the strongest Super Bowl favorites in recent years
sports.yahoo.com logo
Aug 30 • 5:26 PM EDT • Sports • sports.yahoo.com
Meep, meep. ‘Coyote vs. Acme’ opens with $15.5 million, 'Spider-Man' stays No. 1 for fifth weekend

Three years after Warner Bros. abruptly canned “Coyote vs. Acme,” the Looney Tunes feature film that was given a new lease on life by Ketchup Entertainment debuted with an estimated $15.5 million in ticket sales over the weekend. For the fifth weekend in a row, “Spider-Man: Brand New Day” topped…

japantoday.com logo
Aug 30 • 4:50 PM EDT • Entertainment • japantoday.com
Deep dive
😐 Neutral (19%)
wow
57%
ahah
43%
Contra Costa Health facing $730M deficit over next five years

Contra Costa County's health department is staring at a deficit of $730 million over the next five years because of federal and state funding cuts, county health officials said at last week's Board of Supervisors meeting.

danvillesanramon.com logo
Aug 30 • 4:15 PM EDT • Health • danvillesanramon.com
Novak Djokovic Reveals Ongoing Health Concern Ahead of Pursuit of Historic 25th Grand Slam

Novak Djokovic has revealed a challenge he has dealt with for years as he prepares to pursue a record 25th Grand Slam championship. The post Novak Djokovic Reveals Ongoing Health Concern Ahead of Pursuit of Historic 25th Grand Slam appeared first on HEAVY.

sports.yahoo.com logo
Aug 30 • 3:07 PM EDT • Health • sports.yahoo.com
Meep, meep. ‘Coyote vs. Acme’ opens with $15.5 million, 'Spider-Man' stays No. 1 for fifth weekend

Three years after Warner Bros. abruptly canned the Looney Tunes feature “Coyote vs. Acme,” it has a new lease on life thanks to Ketchup Entertainment. The movie debuted with an estimated $15.5...

sfchronicle.com logo
Aug 30 • 12:41 PM EDT • Entertainment • sfchronicle.com
Meep, meep. ‘Coyote vs. Acme’ opens with $15.5 million

Three years after Warner Bros. abruptly canned the Looney Tunes feature “Coyote vs. Acme,” it has a new lease on life thanks to Ketchup Entertainment.

apnews.com logo
Aug 30 • 12:41 PM EDT • Entertainment • apnews.com
High-Signal Publisher
Meep, meep. ‘Coyote vs. Acme’ opens with $15.5 million, 'Spider-Man' stays No. 1 for fifth weekend

Three years after Warner Bros.

ksat.com logo
Aug 30 • 12:41 PM EDT • Entertainment • ksat.com
Meep, meep. ‘Coyote vs. Acme’ opens with $15.5 million, 'Spider-Man' stays No. 1 for fifth weekend

Three years after Warner Bros.

wsls.com logo
Aug 30 • 12:41 PM EDT • Entertainment • wsls.com
Nearly 53% of Iceland's voters reject EU membership

In a close vote, voters in Iceland have rejected resuming talks on joining the European Union. EU membership talks were previously halted 13 years ago by a government that opposed closer ties with the bloc.

dw.com logo
Aug 30 • 12:33 PM EDT • Politics • dw.com
Trump Says Venezuelan Oil Will Refill U.S. Stockpiles, but It’s Not So Simple

New projects can take years to produce meaningful amounts of oil, and that’s especially true in Venezuela, where infrastructure is in disrepair.

nytimes.com logo
Aug 30 • 12:25 PM EDT • Politics • nytimes.com
The sugar you ate as a baby may be affecting your health now, study finds

Researchers estimated the difference in telomere length was associated with a life expectancy increase of slightly more than two years.

woodtv.com logo
Aug 30 • 11:00 AM EDT • Health • woodtv.com
Google Maps adds 'Lake America' as Ford compares change to 'SNL' skit

"No one's going to call it Lake of America. It's been Lake Ontario for hundreds of years," Ontario Premier Doug Ford said.

axios.com logo
Aug 30 • 10:50 AM EDT • Politics • axios.com
High-Signal Publisher
Why the United States Can’t Quit Its Wars

The country’s longest war came to an end exactly five years ago. Today it offers lessons for policymakers seeking to avoid an endless war in Iran.

nytimes.com logo
Aug 30 • 10:05 AM EDT • Politics • nytimes.com
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.

fintechbusinessweekly.substack.com logo
Aug 30 • 9:00 AM EDT • Business • fintechbusinessweekly.substack.com
Deep dive
😐 Neutral (6%)
wow
43%
love
35%
ahah
22%
1.4-million-year-old footprints reveal a surprisingly large human relative

Ancient footprints in Kenya reveal that eight Paranthropus boisei may have traveled together 1.4 million years ago, with some individuals reaching surprisingly large, human-like body sizes. The tracks offer a rare glimpse of their social behavior and suggest these extinct human relatives may have lived in more complex groups than previously thought.

sciencedaily.com logo
Aug 30 • 8:00 AM EDT • Science • sciencedaily.com
📸 This week’s kit news 👕

Official announcements, leaks and great finds: OneFootball brings you a full roundup of this week’s kit news.Chelsea finally unveil their shirt sponsorAfter three years without a permanent sponsor o...

sports.yahoo.com logo
Aug 30 • 7:24 AM EDT • Sports • sports.yahoo.com
😐 Neutral (0%)
Trump administration cuts health care coverage for some transgender youth in California

Newsom’s 2026-27 budget already includes $10 million for “capacity grants to gender-affirming care services providers,” plus $8 million each in the next two budget years.

mercurynews.com logo
Aug 30 • 7:00 AM EDT • Health • mercurynews.com
Dolly Parton’s life was bigger than politics

Dolly Parton had barely died before America started doing what America apparently does now: checking her political credentials. Was she conservative? Liberal? A Trump supporter? An LGBTQ ally? Which side gets to claim her? Which side should cancel her? Good grief! The woman lived 80 years. She can’t be reduced to that. Not with her […]

gazette.com logo
Aug 30 • 7:00 AM EDT • Politics • gazette.com
Business Insider's lists of Rising Stars of Wall Street

For the past nine years, Business Insider has pinpointed the young professionals on the runway to success. Help us find our next class.

businessinsider.com logo
Aug 30 • 6:31 AM EDT • Business • businessinsider.com
In 1990, the northern spotted owl became a symbol of America’s logging wars; 36 years later, scientists say it is already functionally extinct across large swaths of its range

In 1990, a small bird became an unlikely symbol of one of America’s fiercest environmental battles. The northern spotted owl was listed as threatened under the Endangered Species Act, putting the future of vast stretches of old-growth forest in the Pacific Northwest at the centre of a bitter fight between environmentalists and the logging industry.

timesofindia.indiatimes.com logo
Aug 30 • 6:30 AM EDT • Science • timesofindia.indiatimes.com
A Chicago physicist proposed a way to create quantum images 20 years ago; after two decades waiting for experimental proof, superconductors have finally produced the effect he predicted

Dirk Morr, a physics professor at the University of Illinois Chicago (UIC), has developed a quantum imaging strategy that uses superconductors as tiny projectors. The research, published in Nature Physics, provides experimental support for an idea Morr first proposed two decades ago.

timesofindia.indiatimes.com logo
Aug 30 • 5:30 AM EDT • Science • timesofindia.indiatimes.com
How did nine children die in a 1991 Pennsylvania measles outbreak?

Several years ago, vaccine expert Paul Offit gave a speech to medical staff at a pediatric hospital, saying some parents choose not to immunize their children...

post-gazette.com logo
Aug 30 • 4:00 AM EDT • Health • post-gazette.com
US Open predictions: Carlos Alcaraz and Coco Gauff? The Sky Sports Tennis panel pick their winners and dark horses ahead of the Grand Slam in New York

Who are the winners and dark horses for this years US Open at Flushing Meadows? watch the final Grand Slam of 2026 from Sunday at 3pm live on Sky Sports Tennis and Sky Sports+, streaming service NOW and the Sky Sports app

skysports.com logo
Aug 30 • 3:00 AM EDT • Sports • skysports.com
☹️ Negative (-28%)
wow
100%
Reflections on Weiser-Lopez, Crank-Killian debates

Thursday night, The Gazette and KOAA TV hosted two important candidate debates. The first featured incumbent Republican U.S. Rep. Jeff Crank, who is just completing his first term representing El Paso County in Congress, and Jessica Killian, a Democrat who has served in the Army and has years of experience working in Washington, D.C. The second […]

coloradopolitics.com logo
Aug 30 • 2:45 AM EDT • Politics • coloradopolitics.com
The sugar you ate as a baby may be affecting your health now, study finds

Researchers estimated the difference in telomere length was associated with a life expectancy increase of slightly more than two years.

wkrn.com logo
Aug 29 • 10:12 PM EDT • Health • wkrn.com
A fifth-grader in Kansas City clicked ball-and-stick atoms together in science class and asked her teacher if she'd made a real molecule — he photographed it, sent it to a chemistry professor, and at ten years old she became co-author of a published paper on a structure nobody had ever described

A ten-year-old's casual question about her chemistry model kit led to a published paper describing a molecular structure that had eluded professional scientists for decades.

spacedaily.com logo
Aug 29 • 10:02 PM EDT • Science • spacedaily.com
Fami。- Hakoniwa (Victor Entertainment/JPU Records)

The bassist of Lovebites, Fami returns with a release of her own material for the first time in five years. Given that in the timespan since 2021’s Sotsugyo, she did join Lovebites, it’s not surprisingly that it’s taken a bit of time to get more solo material out there. Given her spotlight in the international […]

deadrhetoric.com logo
Aug 29 • 7:01 PM EDT • Entertainment • deadrhetoric.com
Analysis: Encouraging signs for new boss Jaissle

Newcastle fans may well have found themselves in the opposite position to Spurs supporters before the campaign had started - fearful of what was coming. Tonali was one of three key departures from St James' Park, along with captain Bruno Guimaraes, who went to Arsenal for £85m this month, and England winger Anthony Gordon after his £69m move to Barcelona. Manager Eddie Howe left on 31 July after nearly five successful years, which included guiding the Magpies to their first domestic trophy in 70 years with victory in the 2025 Carabao Cup.

sports.yahoo.com logo
Aug 29 • 3:22 PM EDT • Sports • sports.yahoo.com
😐 Neutral (14%)
wow
100%
Yankees news: Cody Bellinger's 'tennis' admission will catch fans' attention

New York Yankees outfielder Cody Bellinger is a World Series champion, National League Championship Series MVP, regular season MVP, three-time All-Star and Gold Glove winner. One does not collect all that hardware without becoming a master of preparation. Yes, his career took a nosedive for a couple of years due to prolonged injury problems and […] The post Yankees news: Cody Bellinger's 'tennis' admission will catch fans' attention appeared first on ClutchPoints.

sports.yahoo.com logo
Aug 29 • 3:16 PM EDT • Sports • sports.yahoo.com
Mike Judge lets Paramount know he wants the rights to Beavis And Butt-Head back

It's been nearly 35 years since Beavis and Butt-Head made their MTV debut, opening an opportunity for Judge to get the U.S. rights to the characters back.

yahoo.com logo
Aug 29 • 2:20 PM EDT • Entertainment • yahoo.com
Provincetown business celebrates 80 years of dune tours
cbsnews.com logo
Aug 29 • 2:02 PM EDT • Business • cbsnews.com
High-Signal Publisher
How Investors Are Reacting To Tencent Music (TME) Partnering With SM Entertainment On New China JV

In August 2026, SM Entertainment announced a new joint venture with Tencent Music Entertainment Group called STE, which will focus on launching a Chinese idol group within two to three years and managing promotions for SM’s Greater China artists. This partnership links Tencent Music’s local market reach with SM’s artist IP, potentially strengthening Tencent Music’s role in China’s evolving fan-centric music ecosystem. Next, we’ll examine how this SM-Tencent Music joint venture, especially...

simplywall.st logo
Aug 29 • 1:18 PM EDT • Entertainment • simplywall.st
Deep dive
😐 Neutral (27%)
wow
45%
love
32%
ahah
23%
When Netanyahu leaves, Israeli politics will have to stand for something

After years in which Netanyahu has been the question, it is time for Israeli politics to begin preparing for the day when it will finally have to provide the answers.

jpost.com logo
Aug 29 • 12:49 PM EDT • Politics • jpost.com
😐 Neutral (0%)
ahah
100%
The 'Iron Man' Game Lives, And Its First Look Leaked

If you've spent years holding out hope for Motive's 'Iron Man' game, you can apparently stay in line a little while longer.

gizmodo.com logo
Aug 29 • 10:30 AM EDT • Technology • gizmodo.com
Dear Abby | Retired husband drives remote worker wife up a wall

Dear Abby: I am at my wits' end with "Barney," my husband of 35 years. He retired two years ago, but I am still working and likely will for several

wenatcheeworld.com logo
Aug 29 • 10:00 AM EDT • Entertainment • wenatcheeworld.com
Deep dive
😐 Neutral (23%)
wow
55%
love
45%
Goodyear burning rubber and cash as turnaround plan continues

The tire maker has an ongoing turnaround plan as the company tries to restructure its business, refinance and pay down years of debt.

cnbc.com logo
Aug 29 • 8:00 AM EDT • Business • cnbc.com
‘It was like a nightmare’: Owner of destroyed tire store grapples with future of his business

Giovanni Pena worked two jobs for years to invest in his tire shop, which burned down Tuesday morning.

mercurynews.com logo
Aug 29 • 7:45 AM EDT • Business • mercurynews.com
Deep dive
😐 Neutral (2%)
wow
61%
ahah
39%
LinkedIn Is No Longer a Business Network—It’s a Platform for Influencers Now

The Microsoft-owned platform has changed dramatically over the past few years. LinkedIn in late 2026 just feels different.

inc.com logo
Aug 29 • 7:00 AM EDT • Business • inc.com
Tancredo in Running for Dept. of Ed. Position

Forty-five years ago this week: “I know that my name has been placed before the Secretary of Education, and I know that I’m one of three or four being considered for the Department of Education’s Region 8,” said state Rep. Tom Tancredo, R-Arvada. “But that’s all I know for sure.” Tancredo, a former manager of […]

coloradopolitics.com logo
Aug 29 • 7:00 AM EDT • Politics • coloradopolitics.com
Human Mini Brains Kept Alive For 5 Years, Listen To The Sounds Of An Ancient Jurassic Forest, And Much More This Week

All the biggest science news stories of the week.

iflscience.com logo
Aug 29 • 5:30 AM EDT • Science • iflscience.com
Intel Sold Its NAND Memory Business for About $9 Billion. Micron Is Now Worth More Than Twice What Intel Is.

The chipmaker exited NAND memory in one of the semiconductor industry's biggest asset sales. Nearly six years later, the market has put a price on what it walked away from.

finance.yahoo.com logo
Aug 29 • 5:07 AM EDT • Business • finance.yahoo.com
Rising energy, fuel costs cut into bottom line for Pa. businesses

At Shirley’s Cookie Company, Facilities Maintenance Manager Richard Weyant detailed the efforts he’d overseen to keep utility costs down at their Blair County facility. They included thousands of dollars invested to upgrade to LED lighting alongside new and more efficient HVAC systems. While electricity use went down by 5.7% over four years, he told Republican […]

lockhaven.com logo
Aug 28 • 8:00 PM EDT • Business • lockhaven.com
Political feud between Gov. Shapiro and Robert F. Kennedy Jr. erupts into high-stakes battle over vaccine safety

Amid a worsening measles outbreak that has sickened hundreds throughout the state, Gov. Josh Shapiro stepped to the podium during a press conference in...

post-gazette.com logo
Aug 28 • 5:20 PM EDT • Politics • post-gazette.com
😐 Neutral (6%)
ahah
34%
angry
33%
love
33%
Remembering former WCAX sports anchor Shawna Lidsky

Shawna Lidsky, a longtime sports anchor who later founded the Vermont Brownie Company, died Friday morning after battling cancer for more than five years.

wcax.com logo
Aug 28 • 3:51 PM EDT • Sports • wcax.com
For The First Time In 25+ Years, GTA 6 Will Make Stealing Cars Hard

Committing grand theft auto in Grand Theft Auto 6 will be much more challenging and rewarding

kotaku.com logo
Aug 28 • 3:31 PM EDT • Technology • kotaku.com
Kevin Bacon helps New York get ‘Footloose’ after bumping away restrictions on dancing in bars, shimmying into modern policy

In years past, the New York State Liquor Authority (SLA) required bar and restaurant applicants to disclose whether dancing would be permitted by patrons or

amny.com logo
Aug 28 • 2:30 PM EDT • Entertainment • amny.com
😐 Neutral (7%)
wow
62%
ahah
38%
London Science Museum cuts links with BP after decades of partnership

Campaigners say ‘seismic shift’ follows years of pressure to sever ties with oil and gas firm

theguardian.com logo
Aug 28 • 12:43 PM EDT • Science • theguardian.com
Minnesota AG announces oversight deal allowing North Memorial-Sanford Health merger to advance

Terms of the agreement include $600 million in investments in North Memorial’s Maple Grove and Robbinsdale hospitals, and maintaining the Level 1 trauma center in Robbinsdale for at least 10 years.

mprnews.org logo
Aug 28 • 12:15 PM EDT • Health • mprnews.org
Gladys Knight Taking Break Amid Health Concerns And Worrying Performances

The great Gladys Knight will take a step back from the relentless touring that's marked her 75 years in show business.

deadline.com logo
Aug 28 • 11:54 AM EDT • Health • deadline.com
Dolly Parton wanted a quiet funeral for her final send-off. But left a few surprises for years to come.

Here's what we know about plans to remember her life and legacy.

yahoo.com logo
Aug 28 • 11:40 AM EDT • Entertainment • yahoo.com
FDA approves tirzepatide for reducing cardiovascular risk in adults with type 2 diabetes

The popular drug, sold by Eli Lilly and Company under the brand name Mounjaro, has been at the center of many cardiology trials over the years. It is now the first dual GIP and GLP-1 hormone receptor agonist approved by the FDA for this indication.

cardiovascularbusiness.com logo
Aug 28 • 10:40 AM EDT • Business • cardiovascularbusiness.com
Footage of new Iron Man game from EA Motive appears to leak, showing blistering speed and freedom, as MIA superhero game finally reappears

The Iron Man game EA announced four years ago finally reappears, albeit in a leaked gameplay video.

eurogamer.net logo
Aug 28 • 10:31 AM EDT • Technology • eurogamer.net
Augusta Health Celebrates Five Years in Mayo Clinic Care Network

Membership brings leading clinical expertise and resources closer to patients in the community. FISHERSVILLE, VIRGINIA — Augusta Health is celebrating five years as a member of the Mayo Clinic Care Network, a select group of independent healthcare providers with access to Mayo Clinic’s knowledge, expertise, and resources. Through the membership, Augusta Health physicians, advanced practice […]

augustahealth.com logo
Aug 28 • 10:09 AM EDT • Health • augustahealth.com
Shapiro, Kennedy have war of words following 2 measles-related deaths in Pennsylvania

The Pennsylvania Department of Health this week recorded its first two measles-associated deaths in 35 years, both in people who were unvaccinated. The agency declined to provide further details, saying it was protecting patient privacy.

6abc.com logo
Aug 28 • 9:26 AM EDT • Health • 6abc.com
New Irvine hospital is a dream fulfilled | UCI Health

Dr. Thomas Cesario was a practicing UC Irvine School of Medicine physician even before the University of California bought the old Orange County medical center in 1976. After decades of pushing to get a modern hospital built on Irvine campus, he has finally seen that dream fulfilled. "We fought to have this hospital built for over 50 years, and a lot of sweat and anxiety went into that effort,” says the 86-year-old former medical school dean. “I'm thrilled that it’s now finally here."

ucihealth.org logo
Aug 28 • 8:00 AM EDT • Health • ucihealth.org
Moses Itauma brushes off 'school' jibes as he aims to be youngest heavyweight champ since Mike Tyson

Facing an opponent who has pledged to “smash the kid” and “send him back to high school,” Moses Itauma is looking more mature than his 21 years. The undefeated British heavyweight (14-0) is aiming to become the second-youngest heavyweight champion in history when he takes on Filip Hrgovic (21-1) for the IBF title in London on Saturday. If Itauma can beat Hrgovic, he'd become the youngest heavyweight champion since a 20-year-old Mike Tyson stopped Trevor Berbick in 1986.

sports.yahoo.com logo
Aug 28 • 6:53 AM EDT • Sports • sports.yahoo.com
Democrats aim to emulate Republicans in building state power

A growing number of progressive groups looking to combat the influence of conservative groups. Experts say the left has years of work ahead if it wants to match the prowess of the organized right. But the second Trump administration has rallied Democrats across the states seeking to oppose federal policies.

stateline.org logo
Aug 28 • 5:00 AM EDT • Politics • stateline.org
California’s political battle over key environmental law brews on two fronts

In recent years, the perpetual CEQA debate has centered on its use — or misuse — as local governments were pressed by the state to increase housing development, particularly apartments for low- and medium-income families.

pressdemocrat.com logo
Aug 28 • 3:36 AM EDT • Politics • pressdemocrat.com
Deep dive
😐 Neutral (8%)
wow
74%
ahah
26%
Pause The Meltdown – We Aren’t in Bad Company

One swallow does not make a summer, and one loss does not need to trigger a meltdown. We are a different Sunderland now, and we need to get used to that after many years of that simply not being the case.

sports.yahoo.com logo
Aug 28 • 1:00 AM EDT • Sports • sports.yahoo.com
☹️ Negative (-70%)
Around the World Festival marks 10 years of food and entertainment

The world is coming to Alexandria. On Saturday, the 10th annual Around the World Cultural Food Festival will take place at Oronoco Bay Park in Alexandria. Visitors can expect to

fairfaxtimes.com logo
Aug 28 • 12:00 AM EDT • Entertainment • fairfaxtimes.com
Deep dive
😐 Neutral (17%)
ahah
58%
love
42%
The US switch in shingles vaccines revealed an unexpected heart health pattern

In a natural experiment involving 72,920 propensity-matched US adults aged 60 years and older, recombinant shingles vaccination was associated with a 9% lower cardiovascular disease burden over seven years compared with the live attenuated vaccine. Lower burdens of ischemic heart disease and heart failure were seen in both sexes, while ischemic stroke was significantly lower only among men, supporting further clinical trials and mechanistic studies

news-medical.net logo
Aug 27 • 11:21 PM EDT • Health • news-medical.net
Common vaccine linked to 24% lower dementia risk in older adults

A Brown University study found Shingrix reduced dementia risk by 24% over four years, building on prior research linking the shingles vaccine to brain health.

foxnews.com logo
Aug 27 • 10:21 PM EDT • Health • foxnews.com
Janesville's Movies 16 closes after years of operation

JANESVILLE, Wis. (WKOW) -- Thursday was the final day of operation for Movies 16 in Janesville, the city's only movie theater.

wkow.com logo
Aug 27 • 10:03 PM EDT • Entertainment • wkow.com
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 [...]

aldineisd.org logo
Aug 27 • 9:39 PM EDT • Business • aldineisd.org
“We’re here to stay”: Down Wind Sports celebrates 50 years of business in Marquette

Down Wind Sports held a party for both old and new workers as well as the public to come and celebrate their anniversary.

uppermichiganssource.com logo
Aug 27 • 7:17 PM EDT • Sports • uppermichiganssource.com
😐 Neutral (8%)
love
41%
angry
35%
wow
24%
The Literacy Crisis Reaches Dog-Bear Science

“New analysis of more than 300 bear encounters suggests our canine companions often increase odds of conflict and rarely serve as early warning systems many recreationists assume,” reads a subhead in Mountain Journal. The thing is, that study reaches no such conclusion. But you have to read beyond the abstract to understand that. Mountain Journal is not alone. Let’s look at a brief list of takeaways published elsewhere just to establish that none of them seem to know how to read science. Wes Siler’s Newsletter is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Subscribe Here’s CBC: “A new peer-reviewed study, The Canine Conundrum: Is a Dog a Help or Hindrance in Bear Country?, dug into conflicts similar to what the video depicts, by analyzing 326 reported human-bear conflicts from 1901 to 2023 involving dogs.” “The study found 54 per cent of conflicts were started by dogs. In the encounters researchers included in the study, five people and 56 dogs were killed, and 170 people were injured.” “Lana Ciarniello, an independent researcher who co-authored the study, said researchers found when a person goes hiking with at least one other person, the odds of a negative bear encounter decrease by 50 per cent.” “However, when a dog is involved, the chances of a negative bear encounter increase because ‘a dog really adds a chaotic factor into the mix of recreation,’ said Ciarniello.” Again, the study finds no data supporting that conclusion. “Hiking with your pet dog may make you feel safer in bear country—but a hiker’s recent encounter and a new study prove that the numbers don’t add up,” writes Backpacker, which is now part of Outside. The numbers don’t add up to support this take. There’s plenty more examples, but all are equally dumb, so I’ll stop there. How did so many people get this so wrong? Three reasons: 1) the study is published behind a paywall, with only the abstract freely available. 2) the methodology sets out to create work relevant to a hyper-specific audience, not the public. And 3) the dataset studied is almost absurdly limited and doesn’t bear (get it?!) comparison to wider information. Let’s work through all three. The Problem is Money I understand the irony, since I’m writing about this on a subscription-model newsletter, but information wants to be free. The study is published by The Wildlife Society and costs $16 to access. Reprinting it is specifically prohibited by the terms of use, so I can only share snippets and my conclusions with you here. Having worked as a journalist for 24 years, I can report with some authority that journalists are both lazy and cheap. I don’t think it’s a stretch to say that much of the material you’re seeing written about this study is drawn from the freely-available abstract (above) only, and not a deep dive into its methodology or data. And that’s a problem, because abstracts are where researchers are able to break from their numbers and editorialize their opinions about conclusions. So what’s getting reported isn’t based on numbers, it’s based on an opinion designed for a specific audience, not the general public. Hell yeah ladies, kick that bear’s ass. The Methodology is Designed to Support a Predetermined Conclusion One of the biggest issues with the science that everyone likes to cite about bear spray’s efficacy is that no one understands that study was designed for a specific audience, looking for a specific answer. And since that audience is not the public, and our safety was not the question being asked, its conclusion is rendered irrelevant to our needs. Yes, I’m talking about Efficacy of Bear Deterrent Spray in Alaska, which was created by Tom Smith and Stephen Herrero, two of the same scientists who put together this dog-bear conflict analysis. In the spray study, the purpose was to present relevant agencies with the information they needed to issue their field workers with bear spray. As such, incidents where people were unable to access the spray or similarly failed to get it deployed in time were excluded from the results, and only incidents they deemed successful were included. Could a ranger roll down their vehicle’s window and scare a bear away from a dumpster by spraying it? Turns out the answer was yes, and that was good enough for the purposes of that study. The sample size of actual bear attacks—the thing you and I would want bear spray to provide a solution to, was too small to draw conclusions from, and didn’t indicate success in that role. Is a Dog a Help or Hindrance in Bear Country? has similar limitations. “Insights provided here are intended to help wildlife managers create effective guidelines regarding the presence of domestic dogs in bear habitat,” is explained clearly by the study’s text. To conduct the study, Smith and Herrero went looking for publicly available reports of dog-bear conflicts: “All incidents included in our analysis involved at least one bear, one dog, and one person who was at immediate risk of injury (e.g., not in a protective structure such as a cabin or vehicle), injured, or killed,” explains the report’s methodology. Why is that a problem? “We recognize that data used in this study are biased in that people generally only report adverse interactions with bears, not benign ones. Consequently, we assume that for the most part, people and their dogs pass through bear country without incident.” As was the problem with the bear spray study, people are drawing conclusions here from a study that was never intended to be relevant to the general public. The Smith-Herrero database famously excludes Alaska’s Defense of Life and Property records, which are elsewhere considered the largest and most authoritative source on human-bear conflict. The Dataset is Absurdly Limited A 2009 study conducted by the Washington Department of Fish & Wildlife estimates that each year there are at least 43,000 documented complaints of human-bear conflict across North America. Is a Dog a Help or Hindrance in Bear Country? Examined those reports for years ranging from 1901 to 2023, and only managed to find 326 such incidents that met the criteria explained above. Let’s do some quick math, poorly. 43,000 incidents x 122 years = 5,246,000 total incidents of documented human-bear conflict. Smith and Herrero were only able to find 326 incidents that met their criteria for dog+human+bear+risk or occurrence of injury. That means there’s a 0.006 percent chance that the study’s conclusion—that dogs make bear encounters more dangerous—even gets a chance of occurring. And remember, that’s only in documented conflicts. There’s no way to know how many people across North America run into a bear in any given year without any conflict, but it’s probably safe to assume that the total number is well in excess of 43,000. And, dig deeper into the study and you can find further restrictions that skew its conclusions even more. “While the people involved in these incidents did not report the level of training their dogs had received, it is our assumption that most were untrained companion dogs as opposed to well-trained bear dogs, such as Karelians and livestock guardian breeds that have proven to be significant aids in bear country,” the study’s methodology explains. And that’s a problem, because an ongoing study here in Montana is finding that the simple presence of a Kangal like our youngest dog Teddy can reduce visits to private property from grizzly bears by 87.8 percent. In addition to being a badass, Teddy is also a companion animal. And in my admittedly limited sample size of the three dogs currently present in our living room, she’s no more effective than her mutt brothers. Plenty of people own a dog capable of deterring bears, even if they didn’t set out to own a bear dog. The real purpose of this study appears to be a recommendation that leashes are mandated and recreationists pursue training in their deterrent of choice. But that doesn’t make for sensational headlines. Are There Any Real Takeaways Here? Let’s throw some numbers around, just to try and get our hands around what the larger picture might look like for bears and dogs here. The American Veterinary Medical Association estimates that 42.6 percent of American households own a dog. The Canadian Animal Health Institute says roughly 35 percent of households in Canuckistan own a dog. In an attempt to create the worst possible result for dogs, let’s run with that 35 percent number. And given that outdoorsy and rural people are more likely to both own a dog, and have bear encounters, let’s just make a giant assumption and apply that number to those 43,000 conflicts documented annually. If 35 percent of 43,000 human-bear encounters involve a dog, then we can assume that at least 15,050 dog-bear conflicts are occurring annually in North America. 15,050 x 122 = 1,836,100. Smith and Herrero were only able to find 326 incidents that met their human, dog, chance or occurrence of injury criteria across 122 years. And only 170 documented human injuries. So, with all the obvious caveats about these numbers in no way describing reality beyond narrow study parameters, what they actually found is that your risk of injury if your dog tangles with a bear is only 0.009 percent. I’ll take those odds next time I’m hiking my dogs in bear country. Top photo: “Superintendent Horace Albright, eating pancakes with bears, at Lake Lodge, Yellowstone National Park.” NPS. A journalist with more than two decades of experience working around the world, Wes Siler is here to cut through the outrage and disinformation to bring you the factual, insightful, actionable reporting you need to understand what’s going on. Upgrading to a paid subscription supports this reporting, and buys personal access to Wes, who will help you save money on gear, plan outdoor adventures, and prepare for real life, and who promises he’s less salty in real life than he sometimes comes across as on the Internet. Wes Siler’s Newsletter is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Subscribe

wessiler.substack.com logo
Aug 27 • 6:47 PM EDT • Science • wessiler.substack.com
Florence Harding Photographed Taught Me About Women Partaking in Politics

What would Florence Kling Harding think now? A week or so ago when I cast my ballot at my designated polling place this thought crossed my mind. I imagine the former first lady would be pleased about how routine voting has become for women in the United States. But perhaps she would not be satisfied. Today, a published essay I wrote for In Pursuit spotlights a lesson in leadership demonstrated by First Lady Florence Harding. In my research, I discovered there’s a lot to be said about this strong female historic figure. But it was the blurry photograph capturing Mrs. Harding voting for her husband Warren G. Harding, one of two presidential candidates from Ohio, on Nov. 2, 1920—Election Day—that drew my attention. It was the first presidential election held in the United States after the ratification and certification of the 19th Amendment, granting women the right to vote. Its 106th anniversary was marked on Wednesday. I remember thinking what a shame it was that her presence in the image was imperfect while the mostly men surrounding her were in sharp focus. Perhaps cynically I thought, “No surprise!” On further examination, though, the clear reaction of the people surrounding Mrs. Harding was equally important. In that snapshot of time, many of their expressions were serious. One man stood elevated above the rest with a slight smile as he caught a glimpse of history. Mr. Harding hovered over his wife’s shoulder closely observing the last seconds of her vote being cast. Their gazes were locked in on who would hours later become first lady. Subscribe The attention she drew is worth noting, mostly because, as I learned, Mrs. Harding understood the power her image could have on women across the country. She and I share in common a career in newspapers—hers the business side and mine on the editorial side. Nevertheless, it became clear to me as I write in the essay that she understood if she was seen voting, other women would follow suit. That wouldn’t necessarily be the case in that 1920 election, though, Karen Kedrowski, the director of the Carrie Chapman Catt Center for Women and Politics at Iowa State University, explained to me. Florence Harding was a suffrage advocate. But, suffrage was a contentious issue and women were far from united at the time of the election. In fact, a substantial number of women and active anti-suffrage organizations thought women participating in elections was a “bad idea and antithetical to their roles in the private sphere as mothers and homemakers,” Kedrowski said, adding that women were also viewed as the moral compass for their husbands and sons. If women got involved in politics they would become contaminated by it. Suffragists, on the other hand, wanted to bring that moral presence into politics to help clean things up. Only about 30% of women voted in that 1920 presidential election. That was a start. More than 100 years later in the 2024 presidential election, 66.9% of eligible women voted (91.3 million), compared to 63.7% of men who voted (82.6 million), according to the League of Women Voters. Yes, Florence Harding would be pleased. Subscribe That imperfect Election Day image was important symbolism about women’s potential during what was known as the “Modern Woman” era and the growing public role women were taking in the 1920s. I imagine Florence Harding might agree with other succeeding first ladies when it comes to gender equality and the importance of the vote. Like Michelle Obama when she said in her memoir Becoming, “We all play a role in this democracy. We need to remember the power of every vote.” Or Hillary Clinton during her unsuccessful run for president in 2016 when she remarked on International Women’s Day: “We celebrate the progress we’ve made to advance the full participation of women in economies and societies. And most importantly, we recommit to finishing the unfinished work that remains …” I hope if you are reading this, you will also read my essay on Florence Harding’s leadership lesson for In Pursuit. And perhaps that will move you to dig deeper and read more about Florence Harding’s life circumstances in biographies like First Lady Florence Harding: Behind the Tragedy and Controversy by Katherine A. S. Sibley. No, I do not think Florence Harding would be satisfied despite how far women have come from that day she first entered her polling place. She once wrote to the Camp Fire Girls, “The part that women play in the world has been greatly changed … It has been broadened and enlarged …” It has. And as women continue to engage in civics it continues to be. I imagine Florence Harding would want women to keep meeting the moment. Read the In Pursuit essay Watch on C-SPAN Share East Wing Magazine is a reader-supported publication. To receive new posts and support our work, consider becoming a free or paid subscriber. Subscribe

eastwingmagazine.com logo
Aug 27 • 5:01 PM EDT • Politics • eastwingmagazine.com