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September 8 Playbook: Fetterman Hits Back
🥱 Welcome Back. Hope you enjoyed your holiday weekend. 🎶 Your Morning Pick Me Up. Welcome Back. John Sebastian PA Weather☀️ Erie | Mostly Sunny, 77🌤️ State College | Partly Sunny, 81☀️ Allentown | Mostly Sunny, 81 PA Sports ⚾ Phillies (81-63, -4.0 GB, +4.5 GB WC) | Atlanta 1-0 |…
Do birds enjoy flying? Scientists asked cockatoos
Flying leads to positive emotions and optimism in Galahs
‘You are not a bad mother’: transforming women’s mental health care during pregnancy and after childbirth in Armenia
The arrival of a baby is often seen as one of life’s most joyful moments. Yet behind the expectation of happy motherhood, some women experience anxiety, depression, fear or emotional distress – feelings that can remain hidden behind the pressure to be “a good mother”. In Armenia, a woman’s mental health during the perinatal period is still too often overshadowed by the focus on physical health. This gap was spotted by the Kanani Social-Prsychological Centre NGO, which used EU support to make mental wellbeing part of maternity care across Armenia. During the final months of her second pregnancy Lilit (28) was full of fears. Her
Canon EOS R8 Mark II Leak: Specs, IBIS Upgrades, and Design Revealed Ahead of Launch
Leaked Canon EOS R8 Mark II details reveal a redesigned angular body, 7.5-stop IBIS, joystick, and €1,879 price point ahead of its September 15 release.
How hurricanes triggered lizards' rapid evolution
Hurricane season is upon us and it turns out that these powerful storms can quickly affect the biology of animals. After hurricanes Irma and Maria hit the islands that make up Turks and Caicos about a decade ago, the silver key anole adapted. They now have a shorter fourth toe on their hind legs! That could help them cling to objects better. But how do you know unless you put lizards in front of a fan and record how long they can hold on?This study is out now in the journal Current Biology.Interested in more science in the news? Email us your question at shortwave@npr.org.Support public media with NPR+ and enjoy perks for over 25 podcasts like this one. This show’s perks include sponsor-free listening. Learn more at plus.npr.org.
Westville Area Chamber of Commerce for Business After Hours on Tuesday September 22nd
Join the Westville Area Chamber of Commerce for Business After Hours on Tuesday September 22nd at The Great Hall, 1401 S. US Hwy 421, in Westville. Enjoy Networking, Art Tour Guide Judy Jacobi, light refreshments, and so much more. For more information visit www.westvillechamber.org. #wims #whfb
When Scientists Become Commercial Influencers
Peer review in reputable journals gives scientific claims an authority that commercial speech rarely enjoys. But what happens when scientists carry that halo of authority out of the laboratory and into the marketplace, publicly attacking products while enjoying protections their manufacturers do not?
While Other Teens Enjoyed Summer, Alec Gerde Was Doing Science at Brookhaven
News of interest to the residents of Huntington, NY
‘We will stand together’: Power of unions grows in Central Valley’s political world
While laborers across the U.S. are enjoying the three-day weekend, the work isn’t done yet.
Prince William & Kate Middleton’s ‘Fun Evening’ Includes This Reality Show
Prince William and Kate Middleton reportedly had a surprisingly relatable favorite for a quiet night at home. The royal couple apparently enjoyed settling in together for a popular reality competition...
“I love duels.” Konsa enjoyed his performance against Chelsea
Ezri Konsa produced a solid performance for Arsenal against Chelsea, snapping into tackles and winning his duels against one of the best attacks in the league at the moment.The Englishman was fantasti...
“Fascinating game” Arteta proud of his players’ performance against Chelsea
Mikel Arteta is proud of his Arsenal players after they came back from a goal down to beat Chelsea in the Premier League yesterday, describing the fixture as a game he thoroughly enjoyed.Chelsea opene...
Prof Elizabeth Streicher unravels the science behind drug-resistant TB
Prof Elizabeth Streicher of the Division of Molecular Biology and Human Genetics delivered her inaugural lecture on Tuesday 1 September 2026. Her research focuses on the transmission and spread of Tuberculosis (TB). Knowing where TB transmission is happening can help to stop it from spreading. Prof Elizabeth Streicher of the Division of Molecular Biology and Human Genetics in the Faculty of Medicine and Health Sciences delivered her inaugural lecture on Tuesday 1 September 2026. The title of her lecture was Decoding tuberculosis: the evolution of technology, epidemiology and the Mycobacterium tuberculosis genome. Streicher explained to Corporate Communication and Marketing how molecular epidemiology (using genetic information to track how and why diseases spread through populations) has improved our understanding of where drug-resistant TB comes from, how it spreads and how drug resistance evolves within and between populations. Tell us more about your research and why you became interested in this specific field. Overall, our research group studies the genome (complete set of DNA instructions found in a cell) of Mycobacterium tuberculosis, the bacteria that cause tuberculosis (TB) disease. Various regions of the genome are interrogated to study different aspects of the disease. My main focus has been on the epidemiology of tuberculosis – how the bacteria’s genome changes over time and what this tells us about the transmission and spread of the disease. How would you describe the relevance of your work? If we understand how the bacteria that cause TB change and spread, it can assist in combating TB globally. How has molecular epidemiology helped improve our understanding of drug-resistant TB? Molecular epidemiology was very important in drug-resistant TB as it was originally believed that bacteria that become resistant to antibiotics would be less fit and not be able to transmit. But it was shown that they can transmit, and therefore have to be monitored to identify hotspots of transmission and outbreaks, etc. Can you tell us briefly about the spoligotyping technique and its advantages for studying drug-resistant TB? Spoligotyping (a molecular technique used to identify and track specific strains of TB bacteria) does not detect drug resistance, but since the technique is relatively quick to do, it can be very useful in real-time situations, e.g. to monitor outbreaks of drug resistance. Why are interrupting transmission chains and identifying genomic hotspots important for controlling the spread of TB? Knowing where TB transmission is happening can assist in allocating resources to those areas to stop future transmission and spread of TB. Higher education can be challenging. What keeps you motivated when things get tough? Students – how they are so passionate and dedicated to learning and contributing to research and society as a whole. What aspects of your work do you enjoy the most? Again, the students and colleagues! But also the fact that it is continuously changing and thereby we are learning and expanding our knowledge. In the end, I know that we contribute to a better society in our small way. Tell us something exciting about yourself that people would not expect. Even though I love hiking (day and multi-day hikes) and being outside, I really do not like camping! How do you spend your free time? I love hiking (wellbeing in nature) and like to watch most sports. ©Higher Education Media Services. Subscribe
The Joyous Big Walk Emerged From Pandemic Lockdowns
The puzzle game Big Walk, by the Australian studio behind Untitled Goose Game, explores the ways we connect with one another.
Holiday weekend boosts business on Mississippi Coast
Visitors come to eat, shop and enjoy the water.
Virginia Tech news: James Franklin blasts 'un-American' flag thrown
The James Franklin era at Virginia Tech has begun. Franklin got to enjoy the Enter Sandman entrance for the Hokies for the first time as the head coach. His team was also dominant, winning 73-3 over VMI. In the third quarter, Marcellous Hawkins Jr. scored on a two-yard run, putting the Hokies up 58-0. Hawkins then went up to one of the members of […] The post Virginia Tech news: James Franklin blasts 'un-American' flag thrown appeared first on ClutchPoints.
PSG players slammed by French press after Monaco defeat
PSG got some horrible player ratings in the French press after another disappointing game from the Parisians in Ligue 1.If you enjoy PSG Talk coverage and want to see more of it, add us as a preferred...
Arteta hails Arsenal as ‘joy to watch’ after Chelsea win
Mikel Arteta has said his Arsenal team are a ‘joy to watch’ as the Premier League champions extended their perfect start to the season with a win against Chelsea.Arsenal overcame Chelsea in a grip...
Texas Tech RB Quinten Joyner Stars in Emotional Debut
Joyner played his first game as a Red Raider after missing last season with an injury.
'Spider-Man: Brand New Day' makes it 6 weeks in a row at No. 1 as Hollywood wraps a banner summer
“Spider-Man: Brand New Day” remained the No. 1 movie in theaters over the weekend, becoming just the second film this decade to top the box office for six straight weeks. The last release to enjoy...
'Spider-Man: Brand New Day' makes it 6 weeks in a row at No. 1 as Hollywood wraps a banner summer
“Spider-Man: Brand New Day” remained the No. 1 movie in theaters over the weekend, becoming just the second film this decade to top the box office for six straight weeks. The last release to enjoy...
Arsenal could be without four starters in Chelsea clash
Arsenal could be without as many as 4 potential starters to face Chelsea today, we’ll soon find out when the teams are out.If you enjoy Talk Chelsea coverage and want to see more of it, add us as a ...
Predicted XI: Xabi Alonso’s favourite team is clear
Chelsea are preparing to take on Arsenal at the Emirates, and we’re really curious to see who Xabi Alonso picks to start the game.If you enjoy Talk Chelsea coverage and want to see more of it, add u...
'The victories will come'
Fulham enjoyed a better expected goals (xG) of 3.13 than Crystal Palace (1.97), and also ran Chelsea close on the opening weekend. It led to booing from some Fulham fans, as well as chants questioning the team's performance. Alvaro Arbeloa will be no stranger to pressure.
Pato O’Ward Makes History at Milwaukee
The Snap-On Makers and Finders 250 came to an end, the checkered flag waved. The orange and black No. 5 of Pato O’Ward drove across the finish line in first place. Fans in papaya orange jumped with joy as their favorite driver won the race. However, this wasn’t the first win from O’Ward that day. …
Collin Sexton had fun at Luka Doncic's minicamp
New Lakers guard Collin Sexton thoroughly enjoyed Luka Doncic's minicamp and came away impressed with Doncic's leadership.
Biggest Women’s Brasileirão A3 ends with Goiás joy in Aracaju
Brasileirão Women’s A3 trophy and medals Credits: Luiz Neto / Staff Images / CBF The biggest edition in the history of the Brasileirão Women’s A3 came to an end on Saturday night (5), with Plana...
Tagutu’s double pushes Knights to front
Doncaster.........40 Nottingham.... 24 DONCASTER Knights held firm for an impressive win at Castle Park with strong defence the order of the day. Nottingham enjoyed all the early possession and Knights put in some huge hits to keep them at bay. Telusa Veainu combined with Penaia Tagutu to launch a dangerous counter-attack and when the ball […] The post Tagutu’s double pushes Knights to front appeared first on The Rugby Paper.
New Gym in Paris Helps Homeless Improve Their Health And Habits
A Finnish gym company brought physical fitness to the homeless folks of Paris, installing a gym in the shady courtyard of a homeless shelter.
Connor Zilisch on F1: 'It's not a racing event'
The Cup Series rookie said NASCAR fans show up for the racing as opposed to having the chance to enjoy wine and cheeseboards and rub elbows with celebrities.
Happy Birth-ray! Mystic the cownose ray turns 27
The ray is enjoying her retirement at the New England Aquarium’s Quincy Animal Care Center.
Ndiaye 'really enjoyed' perfect City start
Iliman Ndiaye was overjoyed after making his City debut in our 1-0 Premier League victory over Coventry and is excited for what is to come. Match Report Ndiaye and Fernández make debuts as City conti...
Column: Enjoying everything Lower Piney has to offer
Jentel Artist Residency, located in Banner, Wyoming, offers artists, writers and composers an opportunity to spend three weeks together in the foothills of the Bighorn Mountains producing work and enjoying
Explore the Cosmos at Carnegie Science Observatories’ Annual Open House in Pasadena
On Sunday, October 11, Carnegie Science Observatories welcomes one and all to its annual Open House from 2:00 pm - 5:00 pm—a great chance to enjoy the cooler-
College football on TV today: Sept. 4
Enjoy all the appetizers before the main course Sunday night. North Texas at No. 6 Indiana | 12 p.m. | FOXEast Carolina at No. 13 Alabama | 12 p.m. | ABCOregon State at No. 23 Houston | 12 p.m. | ESPNCoastal Carolina at West Virginia | 12 p.m. | TNT/HBO MaxNew Hampshire at Syracuse | […]
Texas Mess: Rays 7, Rangers 6
It wasn’t pretty, easy, or even all that enjoyable, but for the first time since 2022 the Rays have a win in Arlington.
New Entertainment Venue Featuring Restaurant, Bar Opens In Stratford
The venue is a "restaurant, arcade, and bar experience built around classic games that defined generations," according to its owners.
Man City v Coventry: Key stats and talking points
Life back in the Premier League after 25 years away does not get any easier for Coventry City. Manchester City flexed their muscles last time out with a 4-1 win over Crystal Palace. After only just edging past Bournemouth in their first game, new head coach Enzo Maresca has enjoyed an encouraging start in the unenviable position of replacing Pep Guardiola.
Joining Hull 'a no-brainer'
New Hull signing Lucas Herrington says he is enjoying being part of a "really special" squad. The 18-year-old defender has come on as a substitute in the Tigers' opening two Premier League fixtures since his move from from Colorado Rapids in August.
Hisense Brings True-to-Life Color, Eye Comfort and Immersive Entertainment to IFA 2026
Hisense, a leading global brand in consumer electronics and home appliances, is showcasing its latest display, laser and audio innovations at IFA 2026 under the theme "Innovating a Brighter Life," bringing together vivid picture quality, viewing comfort and immersive sound for a more enjoyable home entertainment experience.
Investors flip Mount Joy medical office building for $6M
For the second time in two years, the building housing Lancaster Orthopedic Group’s Mount Joy offices has been sold for approximately $6 million.
BenQ Unveils New Visual Innovations for Work and Entertainment at IFA 2026
BenQ, the world's leading provider of technology products and solutions, joins IFA Berlin with its latest innovations across lighting, projection, monitors and desktop accessories. Bringing together intelligent technologies and human-centered design, the new solutions are created for the way people work, create and enjoy entertainment today.
Patient preference science is changing how we define a better treatment
As we enjoy the last days of Summer and head into September, one of the clearest shifts we are seeing across life sciences is a surge in demand for patient preference science. Some of that momentum reflects the work of Kielo Health, Sanius Health’s preference science division, led by Dr Tommi Tervonen, Chief Scientist. The question behind the science is simple but increasingly important: when treatment choices involve trade-offs, what do patients actually value most today?
Gary Neville predicts Chelsea result against “really aggressive” Arsenal
Chelsea Arsenal is this weekend’s big game – and pundit Gary Neville has already had his say on the result of the match.If you enjoy Talk Chelsea coverage and want to see more of it, add us as a p...
Flemming feels 'pure excitement' for Liverpool game
New Ipswich signing Zian Flemming says he is feeling "joy and excitement" to experience the Premier League again with Ipswich Town. Flemming could make his debut for the Tractor Boys in Friday night's visit of Liverpool after his £20m move from Burnley on deadline day. The 28-year-old striker scored 11 league goals for the Clarets last season, but could not help them avoid relegation in what has been his only English top-flight campaign so far.
OFFICIAL: Ibrahim Mbaye makes Aston Villa move for €55m
Ibrahim Mbaye has finally completed his Aston Villa move, ending his association with PSG just as he was starting to earn more games.If you enjoy PSG Talk coverage and want to see more of it, add us a...
PSG release midfielder with 32 Portugal caps
PSG mutually agreed with Renato Sanches to cancel the midfielder’s contract as his disaster move to Paris comes to an end.If you enjoy PSG Talk coverage and want to see more of it, add us as a prefe...
Why Atletico Madrid ended their interest in Nicolas Gonzalez
Nicolas Gonzalez enjoyed a successful loan spell at Atletico Madrid from Juventus last season, with the Spanish side having a pre-agreed option to sign him permanently at the end of the loan spell.How...
Joyce Spencer: Community news for Friday, Sept. 4
Click for community news.
4 The Weekend: A storm of entertainment happening in Southern Arizona
You can get conned, enjoy great music with a spectacular view or experience a rodeo with all the extras. All part of the fun happening 4 The Labor Day Weekend.
4 The Weekend: A storm of entertainment happening in Southern Arizona
TUCSON, Ariz. (KVOA) — You can get conned, enjoy great music with a spectacular view or experience a rodeo with all the extras. All part of the fun happening 4
This Husband-and-Wife Duo Started a Business They Couldn't Find in Their Hometown. 6 Months in, It Did $1 Million in Sales.
Ken and Sarah Barlow set out to open the doors to “something joyful” and “community-centered.”
Final Fantasy 7 Revelation finally gets a 2027 release date, as Final Fantasy Resonance gets a surprise demo
Final Fantasy fans have an embarrassment of riches to enjoy today, thanks to a State of Play blowout from Square Enix.
‘The View’ reveals 1 former cohost returning to the table for season 30
‘The View’ revealed Sherri Shepherd will join Whoopi Goldberg, Joy Behar, and more at the Hot Topics table when the show premieres for its landmark season 30.
Big-time money is sapping the joy from college sports, even from the start of football season
College sports has gone so far off the rails I don’t know whether to laugh or cry.
Fort Bragg Veteran celebrates expansion of high-end experiential entertainment brand
Photo provided by EscapologyAfter 15 years as an Army officer at Fort Bragg, Fayetteville resident Dan Cooke transitioned to business ownership to bring high-end experiential entertainment to North Carolina, applying strict military operational systems to scale his footprint across the state.Cooke got his start in the Army’s Boots to Business program.“Boots to Business was instrumental in preparing me to start a company. The program taught me how to develop a business plan, conduct market and financial analysis and critically evaluate whether a business concept was actually viable,” shared Cooke. “What made the program particularly valuable was that the instructors and mentors had real-world business experience…At the end of the course, I had to present and defend that plan. From there, they directed me to SCORE, where mentors helped me further refine the plan. I eventually presented it to a bank, which was impressed with the level of preparation, and I secured the financing necessary to build the business.”As Cooke neared the end of his military career, he began to wonder what would come next. Through his faith and some valuable mentors, he found the right avenue for his entrepreneurial interests.“While working on my instrument pilot rating, my flight instructor happened to tell me about escape rooms and the economics behind building them. He thought they could make for an interesting business. I took the analytical skills I had developed in the military, along with what I learned through Boots to Business, and began comparing the escape-room model against other opportunities I was considering,” explained Cooke. Cooke opened his first Escapology location in Fayetteville in 2019.“My approach was to start small and prove the model. Fayetteville made sense because I was already there, understood the market and could minimize my initial risk. It also became clear very quickly that I needed a partner that could provide the creative design, branding and industry knowledge that I did not have. After researching a number of options, Escapology became that partner,” added Cooke.Following the success of his initial venue in Fayetteville and a venue in Charlotte that opened in 2023, Cooke recently expanded into Raleigh with his third Escapology venue at Crabtree Valley Mall.His North Carolina footprint now includes:Fayetteville: A 5-room venue launched right after his Army transition in 2019.Charlotte: A 10-room venue opened in 2023, doubling his original operational footprint.Raleigh (Crabtree Valley Mall): A 6-room venue opened in May 2026, with plans to expand to 10 full rooms.Beyond his venues, Cooke expanded his local footprint by launching Jade Solutions in Aberdeen, N.C., an OEM manufacturing business that now builds prop and technical solutions for Escapology venues systemwide.Cooke shared that his long-term goal is to continue expanding Escapology in a healthy and sustainable way while enjoying the journey. “I actually did not start an entertainment business because I personally loved escape rooms. I started a business because I love the game of business itself. Growing up, I loved military simulation games and business tycoon games. I eventually had the opportunity to experience the first of those in the real world — I went to war, led troops and played my part in the military. Today, I would much rather apply that same drive to the real-world game of building businesses.I don't play business computer games anymore. I get to wake up and do it for real every day,” shared Cooke.
Former student Delgado-Pedraza returns to Calcutt as 8th-grade science teacher
CENTRAL FALLS – Calcutt Middle School’s newest 8th-grade science teacher, Desireee Delgado-Pedraza, recently expressed her joy about being back home in her community.
The science of emotional regulation — and how to do it better
Do you ever feel like your emotions control you instead of you controlling them? Maybe you lash out at someone after a long day at work or indulge to avoid a stressful situation. It’s called emotional dysregulation and don’t worry – we all experience it at some point. Luckily, there’s a better way of dealing with our feelings: building emotional intelligence. That may seem daunting, but Short Wave is here to guide you through everything from understanding the importance of emotions to how we can repair our relationship to them.Interested in learning more about your brain and your feelings? Email us your question at shortwave@npr.org. We might cover it in a future episode!Support public media with NPR+ and enjoy perks for over 25 podcasts like this one. It includes perks like bonus episodes, early access, archive access, curated playlists and sponsor-free listening. Learn more at plus.npr.org.
Voices of Our Youth Gala celebrated the impact a mentor can have
BIG BROTHERS BIG SISTERS OF COLORADO Denver News: When chief executive officer Elycia Cook extended an invitation to the 2026 Big Little Gala, Voices of Our Youth, it came with a note advising that it would be an evening that was “Very impactful. There will be some beautiful testimonies and some tears of joy.” She wasn’t kidding. […]
Newly gated parking lot leaves popular Rochester businesses baffled, fearing customer loss
EJ Brake opened Rosebud Retro on Charlotte Street in Rochester just a few months ago. Her customers used to enjoy access to the parking lot right next to the store.
Brinkley, Guttenberg revel in retro joy of ‘American Summer’
Sweetly nostalgic as it looks back at one teenager’s “best summer ever,” “American Summer” is also a nod to the friendships and romances that unfold as adulthood beckons.
What can seashells teach us about the health of our oceans?
Seashells: They're beautiful remnants to carry home from the beach—and so much more! According to environmental journalist Cynthia Barnett, seashells record history more accurately than the humans who first wrote it down. In this episode, we talk about the science of seashells, their impact on humankind and the scientist behind a very famous tongue twister.Check out Cynthia’s book The Sound of the Sea and check out Emily’s reporting on sandcastles.Interested in more marine biology stories? Email us your question at shortwave@npr.org.Support public media with NPR+ and enjoy perks for over 25 podcasts like this one. This show’s hperks include sponsor-free listening. Learn more at plus.npr.org.
CNBC's The China Connection newsletter: McKinsey's contrarian economic view
In many ways it seems that the party has ended for many U.S. and European corporations that once enjoyed a big advantage in China.
What does the Lindsay Clancy trial tell us about treating maternal mental health?
Lindsay Clancy is currently on trial for killing her three children.Prosecutors say the murders were intentional, but her defense team says she was suffering from severe postpartum psychosis -- a condition that does not have a distinct diagnosis in the Diagnostic and Statistical Manual of Mental Disorders.That's the handbook used to identify mental health conditions, so patients often have a hard time getting proper care.The case has put a spotlight on maternal mental health and how its treated by the public and healthcare professionals. What does it reveal?WBUR’s Deborah Becker contributed reporting to this episode.It was produced by Megan Lim and Karen Zamora, with audio engineering by Éowyn Fain, Hannah Gluvna and Ted Mebane. Our director is Jonas Adams.It was edited by Justine Kenin and Tinbete Ermyas.Our interim executive producer is Courtney Dorning.Support public media with NPR+ and enjoy perks for over 25 podcasts like this one. This show’s perks include bonus episodes and sponsor-free listening. Learn more at plus.npr.org.
Enjoy food, crafts and entertainment at the Pan African Village
Gwendolyn Muok, president of the Syracuse Onondaga County NAACP, discussed the importance of the NAACP Van Robinson Pan-African Village during its 33rd year at the New York State Fair.
'Fast Break Philly' serves up a space for girls to enjoy sports
At "Fast Break Philly," local girls can find a safe space to enjoy sports at a common skill level.
Governor announces outdoor essay contest
In an effort to encourage more young people to enjoy outdoor recreation, Arkansas Gov. Sarah Huckabee Sanders on Wednesday, Aug. 26, announced the launch of the My Natural State Story...
Sweet Corn Festival offers four days of free family entertainment
Festivalgoers can enjoy free entertainment throughout the Sweet Corn Festival Sept. 2-5 with acts for all ages.
AirFest 2026 to Bring Four Days of Warbirds, Family Activities, and Aviation Entertainment to Cape May Airport
NASW Aviation Museum's AirFest 2026 will bring four days of aviation history and family-friendly entertainment to Cape May Airport. Visitors can explore historic warbirds, meet pilots and crews, enjoy live music and reenactments, discover STEM exhibits, and experience one of New Jersey's premier aviation events.
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.
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Is Germany benefitting yet from the crisis in US research?
Science|Business - Table.Media partnershipScience|Business has partnered with Table.Media, a leading source of news about higher education and research in Germany. Each week, we are publishing one of each other’s stories to give readers an even broader range of insight into R&D policy across Europe.Drawing over 500 participants, the German Academic International Network conference in San Francisco brings together researchers, universities, scientific organisations and policymakers in the US as part of an attempt to recruit international talent for Germany. It also serves as an annual barometer for the uncertainty triggered by the Trump administration’s science policies. As was the case last year, Germany’s political presence was unusually strong: federal lawmakers, nine state ministers of science and research, and federal research state secretary Marcus Pleyer all attended. Joybrato Mukherjee, president of the German Academic Exchange Service (DAAD), has observed a marked shift at US universities a year after the Trump administration began sweeping interventions: the initial state of "shock and paralysis" has given way to a strategic approach to the situation. Universities are seeking new funding sources, mounting legal challenges against interventions and opening themselves up more to international collaborations, including with Germany, he said. Early-career international researchers with expiring visas are considered particularly vulnerable. Germany is benefiting from increased demand among this pool of young talent; the country’s 1,000 Minds Plus programme, designed in part to lure German academics back home, has already filled up around one-third of its capacity. Meanwhile, Markus Blume, Bavaria’s science minister and current chair of the federal Conference of Science Ministers, sees an "enormous outflow of talent from the US." An increasing number of international researchers want to leave. Applications to Canada have risen by 42% January, and those to Europe by 32%. Meanwhile, the number of people drawn to the US is plummeting. "In this context, Germany must position itself as a prime destination offering reliable conditions, institutional stability and academic freedom, including through smart collaborations," Blume told Table.Briefings.“Darkest hour”At the get-together in San Francisco, the former president of the US National Academy of Sciences, Marcia McNutt, highlighted the gravity of the situation on the ground in a keynote address. She described the present moment as the "darkest hour for the US scientific system." At the same time, she said that cooperation should be maintained, especially during a crisis. Established researchers in the US are less likely to leave. Ulrike Malmendier, a former member of the German Council of Economic Experts and an economist at Berkeley, explained why established researchers are not packing their bags and leaving the US in droves: working conditions and the concentration of talent at places like Berkeley and Stanford remain unparalleled. According to Peter-André Alt, managing director of the Wübben Foundation, which helps Germany attract international academics, political restrictions are not the only grievance voiced by US-based researchers. "There are evidently still many areas where, fortunately, unfettered research is possible," Alt told Table.Briefings. Instead, the primary complaint concerns the cost of living, which has "skyrocketed” to absurd levels. "Runaway inflation, like that currently seen in the US, is certainly no draw for young scientific talent,” he said. Return homeA growing number of early-career researchers from Germany appear to be considering a return home. Jörn Benzinger, who is responsible for recruiting early-career researchers from abroad at Ruhr University Bochum, reports numerous conversations with researchers who are taking a closer look at the German academic landscape."Germany has definitely moved more into the spotlight,” he said. States, university alliances and research organisations joined forces to recruit talent. Bavaria, Baden-Württemberg and North Rhine-Westphalia were prominently represented, as were alliances such as the Berlin University Alliance and the University Alliance Ruhr. Benzinger sums up Germany’s approach with a new formula: "collaboration is the new competition." He notes that it is becoming increasingly difficult for individual universities to gain international visibility, while regional research ecosystems and collaborations are growing in importance. Afraid to leaveThe crisis in the US academic sector is also straining transatlantic research relations. Benzinger reports that some US-based researchers had to decline brief invitations to Germany because they could not be certain of being allowed to re-enter the US afterward.He considers the simple poaching of researchers to be the wrong approach; what is needed, he says, are "reliable offers and long-term partnerships."However, Green Party politician Ayşe Asar, who also attended the conference, sees a significant need for improvement, particularly regarding career paths in Germany.While lifetime professorships and academic freedom certainly make Germany attractive, young researchers also require predictable career paths, tenure-track positions and flatter hierarchies.
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How much has the U.S.’s wildlife changed since Lewis and Clark?
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