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‘They misunderstand science’: Research attempting to tie autism to changes in the gut microbiome comes under fire
besity, liver disease, diabetes, and cancer are all chronic diseases that inflict misery across millions of patients. Imagine if bacteria could be to
DV students win at FBLA National Leadership Conference
Students from Delaware Valley School District won top prizes at Future Business Leaders of America Inc.’s National Leadership Conference. The event, held in San Antonio from June 29 to July 2, attracted more than 16,000 middle school and h…
China develops plant to extract hydrogen, fresh water and uranium from the sea
Scientists improve on existing technology, plugging an overlooked energy leak to achieve a potentially profitable green solution.
Businesses brace for impact as digging set to begin at Olney home
Heavy machinery, road closures and weeks of work could affect businesses near the Chew Avenue property in Philadelphia.
Teddy Bear Clinic at Kootenai Health
Kootenai Health is inviting children to bring in their favorite stuffed animal to receive "special check ups" and enjoy a variety of activities
Asian Games reaction, build-up to India vs Uruguay and more: Indian Sports LIVE, October 5
Here are all the updates from Indian sports on October 5, 2026.
A student guide to mental health resources on campus
Recognition of someone struggling is only the first step of prevention. Whether a student is experiencing a crisis themselves or knows someone who is, Auburn's mental health resources offer several means of support. College is a transitional time in life, and seeking help during those struggles, no matter how big or small, can make a significant impact.
Where These Three Knicks Stand in Contract Extension Negotiations
As the season approaches, the Knicks have three players they may extend soon.
Inside the court case for the brother of Hayden Panettiere's boyfriend
Zach Hickerson, brother of late actress Hayden Panettiere's boyfriend Brian Hickerson, is looking to resolve a case that landed him behind bars earlier this month.
Bora Biologics and Protect Animal Health Enter Strategic, Long-Term Multi-Project Collaboration to Advance Antibody-Based Animal Health Products
Partnership includes development and manufacturing support for multiple monoclonal and bispecific antibody programs targeting U.S. and global animal health markets
MIPCOM 2026: 3Boxmedia unveils new documentary slate featuring science, nature, and current affairs
The Spanish-German distributor is launching a diverse lineup of factual content spanning travel, climate investigation, science, and 4K wildlife productions for the market in Cannes.
Countries race to provide oral health care for all in 100-Day Sprint across Asia
Twenty Asian countries and areas across the WHO Western Pacific and South-East Asia regions vowed to strengthen essential oral health benefits as part of a “100-Day Sprint” initiative, during the 16th Asian Chief Dental Officers Meeting held from 27 to 29 September in Kota Kinabalu, Malaysia. The meeting marked the midpoint of the 100-day sprint bolstering support for countries to develop essential oral health benefit packages that can be integrated into national universal health coverage plans. Convened by the two WHO regional offices and the Malaysian Ministry of Health as the Secretariat, the meeting brought together national oral health leaders from 20 Asian countries, staff from all levels of WHO, WHO collaborating centres and other development partners. Participating countries and areas included: Bangladesh, Bhutan, Brunei Darussalam, Cambodia, China, Hong Kong (SAR) China, India, Indonesia, Japan, Lao People’s Democratic Republic, Malaysia, Maldives, Mongolia, Nepal, the Philippines, Singapore, Sri Lanka, Thailand, Timor-Leste and Viet Nam. Participants reviewed progress and refined proposals using the WHO Service Package Delivery and Implementation (SPDI) Platform. Countries conducted bottleneck analyses across four key areas: service delivery, workforce, access to essential medicines and health products, and health financing. They identified practical actions to address implementation challenges and refined proposed revisions to their national oral health benefit packages. “There is no health without oral health. Through the 100-Day Sprint, countries are advancing the implementation of the Western Pacific regional implementation plan on oral health and strengthening progress towards universal health coverage,” noted WHO Regional Director for the Western Pacific Dr Saia Ma'u Piukala. Participants identified bottlenecks and proposed workable solutions to strengthen access to essential oral health care through primary health care, sharing experiences and discussing how best to translate policy commitments into feasible and sustainable action at the country level. Malaysian Minister of Health Datuk Seri Dr Dzulkefly Ahmad highlighted the importance of prevention and primary health-care approaches to improve oral health: “Oral diseases can have lifelong consequences, yet many are preventable. By integrating essential oral health care into primary health care and promoting prevention in schools and communities, we can improve oral health across the life course.”The WHO team led by Dr Huong Tran, Director of the Division of Health Promotion, Disease Prevention and Control of the WHO Western Pacific Region and national oral health leads from over 20 Asian countries visited the SK Pekan Putatan School, Sabah for school oral health programme including flouride mouth rinsing. © WHO / V. ChaudharyDr Huong Tran, Director of the Division of Health Promotion, Disease Prevention and Control for the WHO Western Pacific Region, emphasized key collaborative roles WHO can play. “Oral diseases are the most common noncommunicable diseases, yet many can be prevented and treated through essential oral health services delivered at the primary health-care level,” she said. “By sharing experiences and using WHO tools such as the SPDI Platform, countries are accelerating progress towards universal health coverage for oral health.” “Integrating oral health into broader health services is essential for reducing inequities, expanding access and recognizing oral health as an integral component of overall health and well-being. The 100-Day Sprint provides an important opportunity to translate this commitment into practical action and ensure that quality oral health services reach all people, especially those most in need,” said Dr Suman Rijal, Director of the WHO South-East Asia regional Department of Healthier Populations and Noncommunicable Diseases. As host of the meeting, Malaysia showcased ongoing efforts to strengthen oral health care through primary health care and prevention-focused approaches, while providing a platform for countries across the two WHO regions to exchange experiences and accelerate progress towards universal health coverage for oral health. “WHO is encouraged by Malaysia's leadership in addressing the burden of oral diseases and advancing universal health coverage for oral health through practical, country-led action,” said Dr Rabi Abeyasinghe, WHO Representative to Malaysia, Brunei Darussalam and Singapore. Countries will continue to refine and figure costs for national oral health benefits during the remaining sessions of the 100 days. These efforts support implementation of the WHO Global strategy and action plan on oral health 2023–2030, while also helping to expand access to essential oral health services through stronger and more equitable health systems across the WHO Western Pacific and South-East Asia regions.______________For more information, or to arrange media interviews, contact: WHO Regional Office for the Western Pacific: wprocom@who.int WHO Regional Office for South-East Asia: SEMediaRelations@who.int
Accenture Completes Acquisition of Mjølner Informatics, Bringing Deep Software Engineering Expertise for Energy, Utilities and Manufacturing Clients in Denmark
Accenture has completed its acquisition of Mjølner Informatics from Norlys, strengthening Accenture’s software engineering, digital engineering and embedded software development capabilities in Denmark.
WHO joins Pre-COP31 to advance climate action that delivers for people’s health
The World Health Organization (WHO) is joining Pacific leaders, governments and partners at Pre-COP31 in Fiji from 5 to 8 October to advance health priorities in climate action and strengthen the Pacific voice ahead of the 31st Conference of the Parties (COP31) to the United Nations Framework Convention on Climate Change (UNFCCC).COP31, to be held next month in Antalya, Türkiye, marks an important step for global climate and health action. Health is one of the 10 priority themes of the COP31 Action Agenda, “Dynamic and Resilient Health Systems”, and a dedicated Health Day will take place on 9 November, the first day of COP31. The inclusion of health reflects growing global recognition that climate action and health are closely connected. The climate crisis is affecting population health globally. Across the WHO Western Pacific Region, which includes Pacific island countries and areas, the consequences of climate change include extreme heat, cyclones, floods, rising sea levels, food and water insecurity, infectious diseases and disruptions to essential health services. The Pacific in particular faces additional challenges. A recent review of 76 hospitals in 14 Pacific island countries found that 62% of health facilities are located within 500 metres of the sea or a river, leaving them particularly exposed to flooding, storm surges and sea-level rise.Bringing Pacific priorities to the global climate agendaThe Pacific Pre-COP31 provides an important opportunity for Pacific countries and partners to consolidate regional priorities and bring the experiences and leadership of Pacific communities into global climate discussions.Pacific countries have been advancing practical approaches to protect health in a changing climate, including strengthening climate-resilient health systems, improving preparedness for extreme weather events, building resilient health infrastructure and mobilizing climate finance for health. “This Pre-COP is an important moment for the Pacific, bringing global climate discussions to a region that has long been at the forefront of the climate crisis. It provides an opportunity for Pacific countries and areas to set their priorities, experiences and leadership on the global stage, and to ensure that the realities of Pacific communities are genuinely reflected in the decisions made on climate action,” said Dr Saia Ma’u Piukala, WHO Regional Director for the Western Pacific.Throughout this week, WHO will co-convene and participate in high-level discussions and events focused on climate and health, climate resilience, adaptation, financing and implementation. “Climate finance is essential for resilient and healthy Pacific communities,” emphasized Dr Mark Jacobs, WHO Representative to the South Pacific and Director of Pacific Technical Support. “We must ensure that financing reaches the people, communities and essential services most exposed to climate risks, supporting locally defined priorities and investments.”WHO will work with partners to strengthen the integration of health considerations across climate policies and investments, including national climate plans and resilience initiatives.Health as a driver of climate actionAmid the risks to health and pressures on health systems, well-strategized and implemented climate action can deliver significant health benefits. Investments in clean energy, sustainable transport, resilient infrastructure, food systems and nature-based solutions have proven to reduce health risks while contributing to climate mitigation and adaptation.“Climate action is truly an investment in health. Cleaner energy, healthier food systems and climate-resilient health services can protect lives while building stronger communities. We now need to turn these opportunities into action and make health a core part of climate investments,” said Dr Sandro Demaio, Director and Head of Office, WHO Asia-Pacific Centre for Environment and Health in the Western Pacific Region. “These benefits demonstrate that climate action is not only about reducing future risks. It is also an opportunity to improve lives today while building healthier, safer and more resilient societies.”At COP31 next month, WHO will also support the Health Pavilion, which will bring together the global health community and partners to advance health and equity within climate negotiations. With COP31 poised to move health higher on the global climate agenda, WHO will continue working with countries and partners across the Western Pacific Region and globally to strengthen climate-resilient and low-carbon health systems, and ensure that climate action protects and improves people’s health.____________________Media contactsElizabeth Bennett, WHO Asia-Pacific Centre for Environment and Health in the Western Pacific Region, elizabeth.bennett@who.intJulia Dongwhan Shin, WHO Asia-Pacific Centre for Environment and Health in the Western Pacific Region, dong.shin@who.intWHO Western Pacific Communications, wprocom@who.int
Bora Biologics and Protect Animal Health Enter Strategic, Long-Term Multi-Project Collaboration to Advance Antibody-Based Animal Health Products
Partnership includes development and manufacturing support for multiple monoclonal and bispecific antibody programs targeting U. and global animal health marketsSAN DIEGO, CA AND TAIPEI CITY, TAIWAN / ACCESS Newswire / October 4, 2026 / , a U.
Bora Biologics and Protect Animal Health Enter Strategic, Long-Term Multi-Project Collaboration to Advance Antibody-Based Animal Health Products
Partnership includes development and manufacturing support for multiple monoclonal and bispecific antibody programs targeting U.S. and global animal health markets
APTOPIX Brazil Election
Supporters of President Luiz Inacio Lula da Silva, who is running for reelection, kiss as they react to partial presidential election results in Rio de Janeiro, Sunday, Oct. 4, 2026.
Ed Sheeran's newest opening act praises Macklemore amid tour drama
After other musical acts quit his tour following Macklemore's removal for pro-Palestinian messaging during a performance, Ed Sheeran found a replacement opening act for a night.
Rabid bat that came into contact with child found in Yuba City
Animal services collected the bat and sent it to the Sacramento County Public Health Lab, where testing confirmed it had rabies.
Mid-Atlantic Farmers Seek Early Fertilizer Price Protection Now
Mid-Atlantic farmers are locking in 2027 fertilizer contracts now, as nitrogen imports and market uncertainty make input-cost planning a key risk-management concern.
From nearsightedness to self-harm: Meta-review looks at how digital media impacts young people’s health
The authors of an expansive new series in ‘The Lancet’ argue that gaps in our understanding about digital harms shouldn’t delay urgent policy action.
Digital media health risks warrant global action to protect young people, experts argue
The way digital technologies are currently built and governed creates real risks to health worldwide, alongside genuine benefits, according to a new three-paper series authored by 13 global experts and ...
Global action urged over digital media’s harm to young people’s mental health
In an effort to build a ‘healthier digital world’ for young people, experts are calling on tech firms to release data showing how platform features affect user wellbeing
Packers Reveal Brutal Edgerrin Cooper Update After Big Win
The Green Bay Packers entered Week 4 NFL action badly needing a win on the road against the Tampa Bay Buccaneers. When all was said and done, they were able to get that win by a final score of 17-14. Once again, nothing looked pretty for the Packers. They struggled at times on both sides […] The post Packers Reveal Brutal Edgerrin Cooper Update After Big Win appeared first on Gridiron Heroics.
Ed Sheeran's new tour opener speaks out on Macklemore, calls for 'common ground'
After other musical acts quit his tour following Macklemore's removal for pro-Palestinian messaging during a performance, Ed Sheeran has found a replacement opening act.
Eagles fans react to new parking and tailgating rules
The Philadelphia Eagles announced new parking and tailgating rules, and some fans are not on board.
Buffalo Bills Lose 29-26 To New England: Instant Reactions
Josh Allen’s late-game interception and a defensive collapse derailed Buffalo’s perfect season, overshadowing record-breaking milestones and a breakout performance from wide receiver Keon Coleman in New England.
Chargers set to be without key player vs. Seahawks
The Los Angeles Chargers suffered a major blow as this key player was ruled inactive.
Los Angeles Chargers rule former FSU All-American inactive
Former FSU safety and Los Angeles Chargers safety Derwin James is inactive for their game against the Seattle Seahawks.
State Senator Chedrick Greene hosts Saginaw gun violence conversation
State Senator Chedrick Greene brought together survivors, parents, and advocates in Saginaw Saturday to address the impact of gun violence in Michigan's 35th Senate District.
Jalen Duren on contract talks: 'I grew my knowledge of the business side of the game'
Jalen Duren on contract talks: 'I grew my knowledge of the business side of the game'
Patriots WR Mack Hollins exits game with non-contact injury
Patriots wide receiver Mack Hollins hopped off the field of Sunday's game against the Bills with an injury.
Chargers reveal Week 4 inactives vs. Seahawks
The Los Angeles Chargers are sitting a handful of players ahead of their Week 4 matchup against the Seattle Seahawks.
The Supply Side: Consumers want fewer digital distractions in stores
A new report from JLL Design reveals that 60% of consumers say a store’s atmosphere influences whether they would recommend it, even if they did not make a purchase. At...
Jayden Daniels to return to practice this week
Washington Commanders quarterback Jayden Daniels will be a full participant in practice ahead of the Week 5 game
Why Fun Is Serious Business: Boston’s Push To Build a More Vibrant, Competitive City
Boston public policy leaders and business advocates argued that a dynamic, cultural nighttime economy will help the city attract and retain talent while supporting local businesses.
How Kansas Suddenly Became a Battleground State for Senate Control
The state hasn’t elected a Democrat to the Senate in nearly a century. Economic challenges during President Trump’s second term, as well as other factors, have put it in play.
Jalen Duren Has Clear Message for Pistons’ Fans
Jalen Duren delivered a strong message about his future in Detroit after signing a five-year, $200 million contract with the Pistons.
Julie Bowen reveals what ‘Modern Family’ cast talks about in group chat
Julie Bowen is giving ‘Modern Family’ fans an inside look at what the cast of the beloved sitcom talk about in their hyperactive group chat: ‘We’re always chatting.’
I’ve built hundreds of Lego sets. These early October Prime Day deals are actually worth buying
As an avid Lego builder, I found the best early October Prime Day deals on Lego Star Wars sets, brick-built plants and even F1 cars that you’ll find at Amazon.
Science Education Takes the Main Stage at the Fairgrounds Event
The October 10th Celebrate Science event will feature hands-on STEM activities and exhibits. Rick Crosslin, a lifelong STEM educator and scientist in residence for the Wayne Township School System, says he became especially involved in science education in central Indiana after seeing how much interest there was among both students and teachers throughout his career. […]
Report: Assassin’s Creed Hexe Exclusive Character, Story Details Surface
With the long-rumored Assassin's Creed: Black Flag remake finally out, Ubisoft is now looking ahead to a different kind of Assassin's Creed. For a while, they've been working on Codename…
Week 4 inactives for Rams
Los Angeles declares seven players inactive versus Philadelphia
Mission in motion unites palm beach nonprofits for impact
One afternoon. Forty nonprofits. Countless lives will be touched across Palm Beach County, as Extraordinary Charities brings fashion and philanthropy together for “Model Your Mission,” its signature luncheon and runway
Seacoast Science Center experts to speak
NEWBURYPORT — Storm Surge, Newburyport’s all-volunteer climate education nonprofit, kicks off its fall 2026 Speaker Series on Thursday, Oct. 8, at 7 p.m. with “Climate Impacts on Marine Mammals: Stories
Jadon Sancho Attracting Premier League Interest After Man Utd Exit
Fresh off a Europa League triumph with Aston Villa, the former £73 million winger searches for a new home as top-flight suitors weigh his talent against looming wage concerns.
How Enceladus' ocean spray becomes chemically diverse ice grains
Saturn's icy moon Enceladus hides a global ocean beneath its frozen surface. From fractures near its south pole, material from this ocean is ejected into space as a plume of water vapor and ice particles. ...
Ravens-Titans inactives: Ronnie Stanley, Zay Flowers to play
The Ravens deactivated four players for their Week 4 matchup with the Titans.
Rams' Colby Parkinson Out, Full Inactives List for Eagles Showdown
Los Angeles Rams tight end Colby Parkinson is officially out against the Philadelphia Eagles.
Week 4 inactives for Buccaneers
Tampa Bay declares seven players inactive versus Green Bay
J.J. McCarthy active for New York Giants vs. Arizona Cardinals
The New York Giants and Arizona Cardinals have officially announced their inactives ahead of a Week 4 game.
Christian Benford, Six Others Inactive For Bills Against Patriots
The Buffalo Bills have announced their inactives for Week 4 against the New England Patriots, including number one cornerback Christian Benford and six others.
Bad Bengals injury updates impact inactives vs. Jaguars
The Bengals have some big injured names on the inactives list vs. Jaguars.
CORN NATION REACTS Poll Results: Huskers Volleyball Is Just Fine
There may a little concern, but it seems to passing as the ladies are dominating early Big 10 play.
California voters to decide Prop 45 to change how environmental laws impact key construction
California voters this November will decide Proposition 45, a measure that could change the state’s environmental laws to speed up construction projects such as housing, bridges, and clean energy infrastructure.
Congressman Sam Liccardo urges U.S.-China cooperation on AI safety
Representative Sam Liccardo is advocating for Congress to take action on artificial intelligence safety, emphasizing the need for international collaboration with China to address critical risks and establish verification mechanisms.
Jets fan confidence rises despite loss to Lions
The Jets might have lost in Week 3 to the Detroit Lions, but fans took real positives from the game. That statement is true if you believe our latest SB Nation Reacts poll. Fan confidence in the team fell to 48 percent a week ago in the aftermath of the Jets’ crushing Week 2 overtime […]
Best Bets: A quick guide to La Jolla entertainment and experiences
Local events and activities
This toolless modular lever-action wallet is the coolest I’ve stuck to my phone
Pull the lever to fan your cards with the OhSnap Wallet 2.
Puka Nacua expected to handle regular workload
Puka Nacua not expected to have any limitations in return to action
Sam LaPorta, Lions end contract talks: report
Contract talks between the Detroit Lions and tight end Sam LaPorta have stalled, leaving his future uncertain.
Women and underrepresented minorities have higher tenure-track placement rates in the political science job market
What actually lands a PhD student a tenure-track professorship? A new study suggests a candidate's publication record, research field, and demographic identity are much stronger predictors of hiring success than the prestige of their university.
Retailers are making returns harder. A carpet seller taught me why that’s a mistake
A standard business practice offsets future costs by funding a reserve for returns – but many small businesses don’t do it
Samsung Galaxy S27 Ultra: (Slightly) faster charging and potentially fewer camera artifacts
While industry insiders are currently focused on the starting mass production of some Galaxy S27 series components like the Exynos 2700, leakers are sharing more details about battery and camera improvements that could matter to end users.
Lions, Sam LaPorta reportedly end contract extension talks
The Lions and Sam LaPorta reportedly failed to reach an agreement on a new deal, leaving the tight end’s future in Detroit uncertain.
John Goodman says acting at 74 still feels 'fresh' and exciting
Here’s a fun fact about John Goodman: He's a big London guy.
Detroit Lions, TE Sam LaPorta stop contract talks: report
Sam LaPorta and the Detroit Lions won’t be reaching an agreement on a new contract anytime soon.
How Americans’ Financial Health Is Faring In The “K-Shaped” Economy
Hey all, Jason here. Money20/20 is still two weeks away, but I’ve already started packing (not procrastinating for once!). My calendar is already filling up with various sessions I want to catch, meetings, and of course happy hours, dinners, and other side events. If you’ll be in Vegas and want to catch up, let me know by replying to this email, and we can try to find a time amidst the chaos of the Venetian. A big if not totally unexpected piece of news dropped on Friday: the Independent Community Bankers of America, a trade group that represents smaller U.S. banks, filed a lawsuit against the OCC and Comptroller Jonathan Gould, arguing that the regulator’s move to grant trust bank charters to firms seeking to use them to conduct substantial non-fiduciary activities exceeds the authorities granted to the OCC by Congress. I haven’t had time to fully digest the legal filing or speak to folks in my network about it, but you can expect to see coverage and analysis on it in next week’s newsletter. Subscribe or Support by Upgrading The NerdCon agenda just dropped. It’s stacked. Partner content: Nubank built an AI-first bank. Chime built its own banking core. Figure and Valon are rebuilding the mortgage stack. At NerdCon, you’ll hear from the people behind those bets: what they chose, what they learned, and what they’re still figuring out. The agenda is live, with leaders from Nubank, Chime, OpenAI, Remitly, Mercury, Figure, Valon and more. Follow the mainstage conversations, bring the problem your team is wrestling with to a hands-on workshop, or pull up a chair at a roundtable. Pick your quests. Meet us in San Diego, November 18–20. Fintech Business Weekly readers save 20% with code FBW20. Explore the Agenda Things To Know & Other Good Reads Federal Reserve Board finalizes changes to enhance the transparency and public accountability of its stress test and reduce volatility in its stress test-related capital requirements (Federal Reserve Board of Governors) FDIC Announces Conclusion of Independent Monitorship (FDIC) Modernizing Financial Regulation: Initial Observations from eSLR (Fed Vice Chair for Supervision Michelle Bowman) The Data Version of Godzilla versus Kong: FRED Takes on AI (Fed Governor Christopher Waller) Financing the AI buildout (Brookings) Q3’26: Rules for Banks but Not for Crypto (Fintech Takes Banking) The Inevitability of Local Stablecoins (Lombard Notes) Delusions of AI Governance: The Human-in-the-Loop Comfort Blanket (Fintech Snark Tank) Stripe agrees to acquire Parafin to expand revenue opportunities for platforms and help small businesses grow (Stripe) Listen: Fighting Fraud in the Age of AI, with SEON’s Tamas Kadar (Fintech Business Weekly) How Americans’ Financial Health Is Faring In The “K-Shaped” Economy If there is one overarching theme across the economy and politics in the U.S. at the moment, it’s “affordability.” The term is vague enough to encompass a panoply of factors shaping Americans’ day-to-day lives: rising costs for the hallmarks of being “middle class,” including healthcare, housing, childcare, and education, inflation and rising interest rates, and a job market with the specter of AI hovering over it. At the same time, policy shifts under the Trump administration have resulted in reduced subsidies to those who get health insurance under the Affordable Care Act and new restrictions on qualifying for Medicaid and SNAP, the impacts of which have yet to be fully felt. These factors are contributing to declining consumer confidence and general dissatisfaction with the economy, despite continuing GDP growth and stock market records. This divergence is encapsulated in the idea of the “K-shaped” economy, in which a small proportion of Americans have seen their wealth balloon, while the majority of American households struggle to preserve the lifestyle they have. Perhaps the greatest determinant of which branch of the “K” a household is on is whether their wealth and income are primarily derived from employment vs. from assets. Nearly two decades of low interest rates and, more recently, elevated rates of inflation have benefited asset owners, while those whose income is primarily or solely derived from labor have largely seen real purchasing power stagnate or decline. This is reflected in recent Bureau of Labor Statistics data showing that labor share of U.S. GDP — the fraction of economic output that accrues to workers as compensation in exchange for their labor — dropped to just 52.8% in Q2 2026, the lowest since the BLS began keeping records. In 1947, approximately 2/3rds of economic output accrued to workers; even as recently as 2001, labor’s share of GDP was 64.1%. Against this backdrop, we’ve seen the rise of more credit and credit-like products: cash advance apps, “no-fee” overdraft, earned wage access, and buy now pay later, which are often used as small-dollar short-term borrowing mechanisms to meet immediate consumption needs or pay other bills (eg utilities, cell phone, other debt payments). With the markers of a middle class existence and, increasingly, basic financial stability seemingly out of reach for many, it should be no surprise there’s been an increase in “financial nihilism,” something industry peers like Alex Johnson and Frank Rotman have discussed and analyzed the roots of. The explosion of gambling and gambling-adjacent products and services — often marketed under the guise of being an “investment” — is inextricably intertwined with the rise of financial nihilism. Crypto, sports betting, and, more recently, prediction markets offer an escape or even hope of sorts, like a contemporary, digital version of a scratch-off lottery ticket, while leaving the overwhelming number of people who use such products worse off. Share of Households That Are Financially “Vulnerable” Ticks Up The Financial Health Network’s 2026 Financial Health Pulse® report adds context on how American households are faring. (I linked to this report in last week’s newsletter, but wanted to take time to further unpack the data in the report this week.) The Financial Health Network publishes the report annually, providing insight into how Americans’ financial circumstances are changing over time. The 2026 report is derived from a survey fielded in April and May 2026. The report leverages survey responses to assess indicators of financial health across spending, saving, borrowing, and planning/protecting and to determine a zero to 100 “FinHealth” score. Those with scores between 0 and 39 are considered “Financially Vulnerable,” consumers with scores ranging between 40 and 79 are defined as “Financially Coping,” and those with scores of 80 to 100 are “Financially Healthy.” The report found that moderate improvements in 2025 were reversed, with the share of respondents considered financially “vulnerable” rebounding to 17%. The longitudinal data reflect the impact of pandemic-era programs, like expanded unemployment, cash stimulus payments, and pauses of federal student loan payments. The positive impacts of those programs, as reflected in the Financial Health Pulse reports, had largely disappeared by 2023. While pandemic-era inflation — to be fair, in part caused by the various support and stimulus measures — had come down from as high as 9% in 2022, it has rebounded since the start of Trump’s second term, with tariffs and energy market disruptions owing to the war in Iran pushing prices back up. Specific indicators in the survey that deteriorated from 2025 to 2026 include the share of respondents spending less than their income over the past 12 months, the share paying all bills on time over the past 12 months, the share that have a manageable amount or no debt, the share that are “moderately” or “very” confident their insurance is adequate to cover them in an emergency, and the share that “somewhat” or “strongly” agree that their household plans ahead financially. Unsurprisingly, lower- and moderate-income households are more likely to struggle to pay their bills on time and have any funds leftover to save. The share of low-income households whose income exceeded their spending dropped from 35% in 2025 to 31% in 2026, while the share of upper-income households whose income exceeded expenses remained unchanged at 63%. Households with student loans or revolving credit card debt reported having “a bit more” or “far more” debt than was manageable at rates far higher than those not carrying these types of debts. The share of those with student loan debt indicating their debt load was too high to manage increased from 50% in 2025 to 55% in 2026, while the share of those with revolving credit card debt saying the same ticked up from 51% in 2025 to 54% in 2026. Households that had student loans were markedly more likely to be financially “coping” or “vulnerable” vs. those without student loans. In 2026, 27% of households with student loans were considered financially vulnerable, a jump of 6% points vs. 2025. Households without student loans saw just a 1% point increase (not statistically significant) in those considered financially vulnerable. Households’ perception of the affordability of categories of goods and services paints a stark picture, with less than one-fourth considering higher education affordable, about a third deeming childcare affordable, and less than half viewing healthcare as affordable. 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. Democratic Senate Report Highlights How Iran Uses Tether to Evade U.S. Sanctions Iran uses stablecoins, specifically Tether, to evade sanctions, fund regional proxies, and to purchase military drones, a report released last week by the Senate Permanent Subcommittee on Investigations says. The report was authored by committee ranking member Senator Richard Blumenthal (D-CT) and the minority staff. Crypto and stablecoin proponents will often push back on criticism that criminals make use of these assets by arguing that, on an absolute dollar basis, far more illicit funds flow through traditional banking systems and payment rails than via crypto and stablecoins. And while that is likely true, it elides the reality presented in news story after news story: whether state actors — Russia, Iran, North Korea — or criminal groups, those looking to engage in illicit transactions increasingly favor stablecoins and, specifically, Tether (USDT). The report from the Senate Permanent Subcommittee on Investigations released last week adds context to how Iran uses Tether has a lynchpin in its shadow banking system. The report analyzed 846 wallets that have been sanctioned or targeted for seizure, finding that 84% of them transacted exclusively or primarily in Tether. The ability to create near limitless, anonymous wallets and to move funds effectively instantaneously and irreversibly have made crypto a favored financial mechanism for bad actors. Stablecoins solved key drawbacks of bitcoin, namely, the original cryptocurrency’s highly volatile value in dollars. And while Tether (the company) has the technical ability to “freeze” or destroy funds, the company is often limited and reactive in its approach to doing so, the Senate report argues. Tether, which is nominally based in crypto-friendly El Salvador, “has stated that its compliance with OFAC sanctions is ‘voluntary’ and that it follows ‘OFAC guidelines,’” the Senate report says. Owing to these favorable attributes, Tether “became a primary cryptocurrency for Iran, Hamas, Hizballah, and the Houthis beginning in 2023 and has expanded in scale since,” according to the report. Tether’s role in Iran’s shadow banking system, the report says, is enhanced by crypto exchanges like Bybit, Kyrrex, OKX, Gate, and Binance, and through “over the counter” exchanges and hawala networks. The consequences of these financial flows aren’t hypothetical. The Senate report links Tether as a funds transfer mechanism to Iranian proxies in the region, including Hizballah, the Houthis, and Hamas. Tether has also been used to make payments to secure components necessary to manufacture drones, the report says. The report concludes by arguing that “[s]tablecoin issuers with a significant nexus to the United States, particularly those that offer dollar-denominated stablecoins, should be subject to American sanctions law rather than being allowed to hide behind foreign jurisdictions.” Stablecoin issuers like Tether must be held accountable for repeated failures to prevent illicit finance and sanctions violations by law enforcement, the Department of Justice, the Securities and Exchange Commission, and OFAC, the report argues. [Paying Subscriber Exclusive] OUSD Goes Live, Make Your Own Neobank, U.S. Sanctions Russia’s A7 Network As “Transnational Criminal Organization” OpenUSD, the stablecoin issued by the Open Standard consortium that includes Stripe, Visa, Mastercard, core providers, crypto firms, and numerous banks, went live last week. Social commerce platform Whop raised eyebrows in fintech by offering creators on its platform the ability to launch their own neobanks, which the company describes as “great businesses that are easy to run,” in just 15 minutes. And OFAC and FinCEN target Russia’s “shadow banking” A7 Network — more on these stories after the paywall.
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