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Colorado’s education paradigm déja-vu
Déja-vu for 10 years. In 2015-2016, state standardized testing was fully integrated into teacher performance evaluation. The tests comprised 50% of teacher “performance.” The idea was to follow the General Electric “rank-and-yank” human resources model. At GE, the model went like this: top 20% of employees got raises and bonuses; the middle 70% got to […]
Sony and Microsoft say they’re not obligated to pass U.S. tariff refunds to consumers, echoing Nintendo
Back in July, Sony executives told investors that the company expected to receive $508 million in refunds from the U.S. government, after tariffs that the PlayStation-maker paid were ruled mostly in 2025 were found to be illegal. “Most” of the refund would by recouped by Sony’s gaming division, its chief financial officer said. This week, Sony’s lawyers are arguing that the company is not legally obligated to pass those proceeds on to consumers who paid for recently price-hiked PlayStation consoles. That’s in the face of a lawsuit from gamers calling on them to do exactly that. “Paying fair market price for voluntarily purchased consumer goods is not a legally cognizable injury in fact,” the lawyers wrote in a legal motion filed on Monday, as they asked a judge in California’s Northern District to dismiss a potential class action lawsuit over the tariff refunds. Microsoft made a similar argument two weeks ahead of Sony’s lawyers, in a similar lawsuit brought by a gamer in federal court in Washington State. As Microsoft’s legal team put it on August 21, in their request for a dismissal of that lawsuit: “There is nothing unjust about Plaintiff purchasing an Xbox at an advertised price and getting exactly what he paid for—regardless of whatever theory he devised months later about Microsoft’s cost structure.” Both legal fights are set to go on for some time. How things got to this point U.S. tariffs impacting a wide range of imported goods, including game consoles, had kicked off in early 2025. In May 2025, Microsoft raised the price of its Xbox consoles, citing “market conditions and the rising cost of development.” They raised them again that September. In August of that year, Sony raised the price of PlayStation 5 consoles, citing “a challenging economic environment.” Sony later told investors that its tariff fees for the fall quarter were nearly $200 million. in February of this year, the U.S. Supreme Court ruled the 2025 tariffs illegal, prompting impacted companies to begin to request refunds. In turn, consumers began suing the likes of Sony and Microsoft to get what they said was their share. The gamers in the Microsoft and Sony lawsuits argue that the 2025 price hikes of PlayStation and Xbox consoles, which added $50 or more to their sticker price, were due to illegal tariffs and should now be returned to consumers. The Sony suit started in May, when a group of gamers sued in federal court in California, saying Sony Interactive Entertainment (PlayStation) would be unjustly enriching itself if it did not pass tariff refunds to its PS5 buyers. “Sony is poised to be paid twice for the same unlawful tariff burden: once by its customers (through elevated prices) and once by the U.S. government (through tariff refunds),” the gamers’ lawyers wrote at the time. They called for Sony to partially reimburse anyone who bought a PlayStation in the U.S. since August 1, 2025. The Microsoft suit, filed by gamer Trevor Hastings against the Xbox giant in July, made similar claims. The console makers push back In late July, Nintendo’s lawyers, facing a similar suit accusing them of double-dipping on tariffs and refunds, replied with arguments that previewed Microsoft’s and Sony’s: “Nintendo or one of its retailers set a price for each product, and consumers decided whether that price was worth paying,” they wrote. Sony has buttressed that Nintendo-style argument this week by saying that the gamers have failed to prove that tariffs were the reason for its August 2025 PS5 price hike. They call thatclaim “speculative and illogical.” Other factors, including “inflation, currency fluctuations, component costs, logistics, competitive dynamics, or demand,” could have played a role. (No, the Sony lawyers do not break down the costs and factors that officially triggered the price increases). Microsoft has also argued that there’s no proof in these lawsuits that tariffs drove all or some of the price increase, as it seeks to dismiss the tariff refund suit it’s facing: “Plaintiff provides no specific allegations that would establish any pricing differential attributable to tariffs or suggest any possibility that Microsoft applied then or could recreate now any dollar-for-dollar calculation of tariff-related pricing—any more than it could any other market factor that affects pricing.” To further skewer the gamer side’s argument in its case, Sony’s lawyers have pointed to what might be a surprising defense: yet another PlayStation 5 price hike from this past spring, after the tariffs were ruled illegal. “If the original price increase were attributable to tariffs, SIE [Sony Interactive Entertainment, aka PlayStation] would have had no reason to raise prices again after the Supreme Court invalidated the IEEPA tariffs.” … “If tariffs were the cause of the price increases, one would expect SIE to lower prices once the tariffs were eliminated—not raise them again. Instead, the timeline confirms that the pricing of PlayStation consoles includes a diverse and dynamic set of input costs.” Judges have not yet ruled on the arguments made by Sony, Microsoft or Nintendo. Last week, Panic, the company behind the small, yellow Playdate handheld said it would be passing its tariff refunds on to consumers. It is the only gaming hardware maker to have made such a pledge. Game File is a reader-supported publication. To receive new posts and support my reporting, please consider becoming a free or paid subscriber. Subscribe Item 2: A reporter’s second Second Life Wagner James Au, who from 2003-2006 was paid by San Francisco-based tech company Linden Lab to be a full-time journalist embedded in their virtual world Second Life, is returning to the company. This time, he’ll be an editorial advisor and business development specialist, he tells Game File. The new role will involve trying to share the stories of people inhabiting Second Life’s ongoing online world with reporters and by extension the public. Au plans to continue to also chronicle some of that through his long-running blog New World Notes. I’ve known Au since the mid-2000s and featured him in a 2007 article for the Columbia Journalism Review about reporters like him opening up virtual news outlets within Second Life. As I wrote at the time: On April 22, 2003, writing as Hamlet Linden for the New World Notes blog on Second Life’s Web site, Au introduced himself. “For the next few months, Linden Lab has invited me to set aside my journalist cap, and instead, don the digital beanie of their in-house virtual correspondent.” He wasn’t paid to keep it positive. He wrote about builders and eccentrics, but then in August of that year, he reported on a tax revolt against Linden Lab (a complaint about the fees it charges users who build stuff) led by a resident whose avatar was a big cat. Second Life has always been less of a video game and more of a virtual world where people can live, hang out, make art, sell virtual items and flirt. Back in 2007, Au described touring it as “sort of like underwater lucid dreaming.” For the past two decades, Au has maintained New World Notes as an independent publication. But he said he’s been drawn back to Second Life and Linden Lab as a place to directly work. The virtual world has around 650,000 monthly active users, he said, “which is actually about what it was during the hype wave.” Au says he’s still finding rich stories in Second Life, the kind that keep him interested 20 years into the beat: “Over the last few months for instance, I wrote about an SL creator in Venezuela whose apartment was destroyed by the earthquakes, so the global SL community rallied to get him back on his feet,” he told me. “Then there’s the woman from a Middle Eastern country who explored her lesbian sexuality in SL, then earned enough from her virtual jewelry to escape her abusive family situation and country.” Au wants to beckon more reporters to give Second Life another look. He argues that it is often ahead of internet trends, noting, for example, an early backlash in the community against AI-made art. Now the platform is drawing curiosity from more of the user-generated content community who’ve grown up with the likes of Roblox, according to Au. “Second Life was too early during its hype wave in 2005-2010, but it now feels right for a new wave of interest,” he told me.
Josh Giddey Breaks Down Caleb Wilson's Addition to Chicago Bulls
Can the No. 4 overall draft pick provide a spark to the Bulls in his rookie year?
37% of Business Leaders Are Losing Nearly a Full Workday to This Hidden 'Operational Tax'
How simplifying routine purchasing helps business leaders reclaim time and focus on growth
Cornelius man abused children inside hidden room at his business, sheriff says
The Washington County Sheriff's Office is looking for more victims related to an investigation into a man accused of sexual abuse, attempted murder, and more.
Report: Early Splinter Cell Remake Screenshots Unearthed, Revealing Environments and Easter Eggs
Check out early screenshots for the Splinter Cell Remake, revealing our first look at the game's environments and hidden easter eggs.
Sheriff: Hidden room found in Cornelius shop after owner arrested for attempted murder, sex abuse
The owner of a jewelry business in Cornelius has been charged with attempted murder and sex abuse after an assault investigation and standoff last week, according to the Washington County Sheriff’s Office.
Teacher Research Academy connects educators to LLNL science
For nearly 30 years, LLNL has offered Teacher Research Academy (TRA) to middle school, high school and community college teachers looking for unique professional development experiences. At no cost to educators, TRA workshops offer classroom-focused applications of LLNL's groundbreaking science and technology. Over two weeks this summer, four different TRAs were offered as two-day workshops: Understanding Energy Technology, Drone Design & Application, Artificial Intelligence (AI) for the Classroom and Data Analytics for STEM Labs using AI. Understanding energy technology This session
Martin Scorsese says Tribeca neighborhood used to be ‘really good for’ stealing hubcaps, sex, and drugs at night (exclusive)
Martin Scorsese reminisces about New York’s crime-ridden Tribeca neighborhood in an exclusive clip from the upcoming documentary ‘Tribeca 25,’ premiering on Netflix Sept. 11.
Middleton leads Johnson in race for Texas attorney general, but the contest is unusually close
State Sen. Mayes Middleton spent lavishly to capture the Republican nomination and build statewide name recognition. But the most recent polling shows him just five percentage points ahead of Democratic state Sen. Nathan Johnson -- with more than a fifth of voters still undecided.
San Francisco 49ers Rookie Called NFL’s Top ‘Hidden Gem’
Bleacher Report called the San Francisco 49ers rookie wide receiver the NFL's top "Hidden Gem" in 2026. The post San Francisco 49ers Rookie Called NFL’s Top ‘Hidden Gem’ appeared first on HEAVY.
Applications open for three-county downtown business pitch competition
Middle Michigan Development Corporation is hosting businesses and entrepreneurs from across the region for the 2026 Middle Michigan Downtown Pitch.
Money problems may age your brain faster
Persistent financial hardship in early and middle adulthood was linked to poorer thinking skills by the 50s and more signs of brain aging later in life. Researchers say years of chronic stress and financial worry may gradually take a toll on the brain.
The Adriatic Sea's Hidden Shark And Ray Hotspot Is Changing What Scientists Know
The Adriatic Sea is one of the Mediterranean's most important regions for sharks and rays, yet many of its species are critically endangered. New research based on decades of monitoring and close partnerships with local fishers is revealing previously unknown habitats, rediscovering rare species, and reshaping what scientists thought they knew about these animals.
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.
August Monthly Review: ChatGPT In Epic
Death, taxes, another frontier lab healthcare launch inspiring truly insane LinkedIn takes. As much as I want to stay away, I repeatedly am the crewman unplugging his ears whenever we pass these sirens. So it’s not the first and probably not the last time we dial up the typewriter rather than tie ourselves to the mast. The full blow-by-blow timeline: Health API Guy is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Subscribe The End of the Standalone PHR (Jan 8): ChatGPT Health arrives for consumers, at the time powered by b.well. I was bullish on the approach in that the best way for the PHR to finally solve distribution was to meet consumers were they already are (i.e. When Horizontal Meets Healthcare (Jan 9): OpenAI for Healthcare puts out the shingle for enterprises, with SharePoint ingestion standing in for the EHR integration the product actually needed. Another One: Anthropic’s Healthcare Debut (Jan 16): Claude's version, on HealthEx rails instead of b.well, with Agent Skills for FHIR development as the one true vertical-specific investment. ChatGPT for Clinicians: The Trap Sprung (Apr 24): OpenAI filled in the missing GTM middle with a free product for verified clinicians, effectively peeling the enterprise wrapper off ChatGPT for Healthcare and taking the PLG fight directly to OpenEvidence. OpenAI’s Second Attempt at Health (Jul 31): a relaunch of their patient specific app, now branded Health in ChatGPT, where the privacy partition came out, the connectors thinned, and b.well disappeared in favor of first-party FHIR work against a smaller network Beyond a Shingle So what was announced now? Today, we’re introducing a new electronic health record integration that brings authorized patient context from Epic into ChatGPT for Healthcare, along with the Healthcare Public Data plugin for direct, structured access to official healthcare datasets like PubMed, DailyMed, and CMS Coverage. Together, these capabilities bring ChatGPT closer to the systems and sources healthcare teams trust, while supporting the controls and compliance healthcare work requires. The core portfolio is unchanged from prior announcements we delineated and discussed (aside from the relaunch of patient-facing). Since trade publications still seem to be confusing them by using the wrong names: Enterprise sales motion: ChatGPT for Healthcare Protecting their core product / PLG: ChatGPT for Clinicians Consumer/patient-facing product: Health in ChatGPT So really, this is a feature release (specifically for ChatGPT for Healthcare when it comes to EHR integration). What’s cool about it, though, is that we are moving beyond just putting out a shingle. Everything in the January enterprise launch was horizontalizable: Horizontal tech companies thus generally start verticalization with their “putting out a shingle phase”. Telling the world you’re open for business as a horizontal tech company reliably attracts early inbound interest from buyers who are already trying to force-fit horizontal tools into domain-specific workflows and are eager for any signal that the vendor intends to support their use case more directly. Nothing was really vertical specific, which is exactly what you'd expect from the ultimate hypergrowth horizontal company dipping their toes into specific industries. But eventually you have to stop changing the sign on the door and start changing the product. Can you guess where the horizontal product was going to run out of road? This is the core dilemma writ large: verticalization requires differentiation, while scale economics of consumer and horizontal push toward unification. I’ve buried the lede so deep here it will be painful to some readers, but what should be shocking to no one is that my perspective is that EHR integration is the only path that meaningfully resolves this tension for ChatGPT for Healthcare. Integration with Microsoft Sharepoint is fine, but it is categorically insufficient for any product that hopes to influence clinical decision-making. SMART Money Well here we are, eight months later! Real vertical investment has begun, which surprised a few people. One friend in the industry messaged me: “Absolutely no way Epic gave ChatGPT API access.” Looking forensically at the announcements, the integration is notably read-only across appointment notes, laboratory results, medications, and specialist documentation. So while I’m not a betting man, I'd wager the house this is a SMART on FHIR launch: That sounds a lot like USCDI! The recommended path for the workflow they outline would be SMART on FHIR Their Health AI lead’s post is evocative of both standalone and EHR launch SMART, which another termed “ChartGPT” and “EHR Plugin” The implementation burden for SMART on FHIR is the lowest of the available integrative paths This is the team who literally did patient-facing SMART on FHIR with Epic last month Most importantly, if you’re a horizontal company, you generally still haven’t taken the full plunge and thus (overly) value reusability. SMART on FHIR is the logical compromise: healthcare-specific enough to matter, but standardized enough to reuse. Nobody Asked Judy Another friend asked “I thought they had to go to each health system, or did they go direct to Epic and now health systems opt in?” Given the trust paradigms in healthcare, this functionally cannot be Epic hoovering up all the data for OpenAI and shoving ChatGPT in their customers’ faces (or they would revolt). However, I do believe the aforementioned terrible coverage by TechCrunch and other outlets is probably responsible for that question, given the 325 million reference. When using FHIR as a business associate to an Epic customer, there is no EHR gatekeeping to speak of, as that isn’t how fhir.epic.com works: You register an app You pick your APIs You test against the sandbox APIs You list as “Ready for Production” Hospitals pick your app You test and go live with them Bluntly, nobody had to say yes or no in Verona (nor were they given the chance). Vendor Services (their next developer tier up that I doubt OpenAI is using quite yet in this initial release) certainly has contractual paperwork that some resent, but even there, the twin pressures of mounting antitrust and information blocking make outright gatekeeping increasingly fraught. My friend’s sentiment is, to me, representative of a broader industry neurosis, perhaps a sort of scar tissue of prior eras: people assume the gate is still there and never actually try the door. There are certainly other ways Epic (and any EHR) can put its thumb on the scale, but they are not so dumb as to stand in front of a federally mandated API and play bouncer at this exact moment in time. So I think they can and probably should go deeper, as this release is at best parity and at worst behind vertical-specific competition. OpenEvidence did a basic SMART launch with Sutter Health in February, allowing for more convenient evidence search by providers. They then add patient-context (the equivalent SMART on FHIR flow to what we see here) when Cedars-Sinai went enterprise-wide in May. UpToDate has four distinct applications across deeper workflows like patient engagement listed in Epic Showroom and announced a partnership with Epic to power Art at UGM Abridge and other ambient scribes have invested deeply into the deepest bidirectional clinical copilot workflow with integrations well beyond SMART on FHIR. In that light, the “Who is OpenAI primarily targeting here?” is clear. This release brings them into striking distance of OpenEvidence, but not the others quite yet. They are the only one of the three you can reach without building something truly Epic-specific. When will they go further? Competition is a great motivator to overcome the horizontal demons and start building things that can’t be reused: not across industries, not across EHRs, maybe not past the customer you built them for. That’s the price of actually verticalizing. The question is if and when OpenAI will be willing to pay it. Month in Review Here is the monthly review. As a reminder, this is a regular round-up of the month’s posts and other content to surface things you may have missed across regulation, litigation, interoperability, and beyond. AI assistance is used in these bullet summaries so I can focus on articles. Articles Published: None this month Video Content: The Information Exchange: Standards-based Thruple Edition (Aug 14): Back to school for us too, with Brad reporting in from the CMS Health Tech Ecosystem’s one year anniversary in DC. We get into the January CMS-0057 deadline, the fall rulemaking reading list, and why enrollment still keeps most apps off FHIR. The Information Exchange: Epic Dúnadan Edition (Aug 25): A UGM roundup with Ryan Brickner joining for the first time to check our takes against what the building actually thinks. Rangers, Ergo sitting on top of EHI, and a down-market lineup that needs some cuts. Regulatory: Stacked Deck, Bad Hand (Aug 05): ONC’s website refresh took the entire HIT Policy Committee record with it, so I rebuilt the archive and went looking for the regulatory capture story everyone assumes is buried in there. Stacking the deck and winning the hand turn out to be very different things. The Sixth Generation of Patient Access (Aug 19): A quick catalog of the five generations of patient access we’ve layered on since HIPAA, and the two candidates now competing to be the sixth. One is planned. The other is the market routing around the plan entirely. Court cases: Three Cases Walk Into a Docket (Aug 06): Two surprise settlements cleared the board in a single week, and then Judge Maddox dropped ninety-four pages on Vyne v. Henry Schein. The sleeper is a DMCA holding that makes direct-to-database a considerably riskier business model. Epic v. Health Gorilla: Into the MDL (Aug 10): Nine class actions are headed to Miami, and the Panel signaled it wants to bring the case that spawned them along too. That would leave Epic arguing the requests were obviously fraudulent in one courtroom and unknowable in the other. Amazon v. Perplexity: Agents Are Legalized! (Aug 11): The Ninth Circuit vacated the injunction against Comet, holding that the user is the one accessing the servers rather than the company that built the agent. A real win for agentic access, and a much narrower one than the headline suggests. Veeva v. Epic: Come At Me, Bro (Aug 26): Epic’s response brief wants the dismissal affirmed and, unusually, wants the opinion published as precedent. Buried in it is Epic’s own description of what its non-competes actually prohibit, which current and former employees should read closely. EHRs: The Contract Epic Would Never Sign Today (Aug 04): A 1999 SEC exhibit catches Epic licensing nearly its entire product line, Tapestry included, to the company that became TriZetto. The marketing services menu attached to it is the part that will make you blink. Forecast from Verona (Aug 07): The Epic Almanac makes one argument six different ways: the AI is only as good as the networks behind it. Emmie headlines, Art’s context stack is the most ambitious part, and Penny finally gets an autonomous coding date on the calendar. Works With Epic MyChart (Aug 17): Epic’s first new Showroom category since the death of Workshop certifies hardware instead of software, badge on the box and all. Made for iPhone, but for blood pressure cuffs, and rough news for anyone selling the RPM stack sitting in between. UGM Hot Takes 2026 (Aug 20): Everyone else covered the AI announcements, so I went after Savvy deleting the payment gateway, Rangers as Boost with the timer removed, and a down-market lineup with too many entries. Plus the Health Grid tidbits I cannot help myself on. MyChart Central Grows Up (Aug 24): Device data and Emmie turn Epic’s identity hub into a full consumer platform, which is both a logical answer to ChatGPT and a bit of a mistake. It also happens to be the best scraping target Epic has ever shipped. Industry Analysis: The Wrong Yardstick (Aug 12): Vertical software keeps getting judged against Superhuman and Notion, which is the wrong bar entirely. Your user is comparing your product to a whiteboard and forty phone calls before lunch. Primitives vs. Abstractions (Aug 27): Developers want building blocks, systems of record prefer to hand out business logic, and both sides have a real case. There’s no test from the outside that separates the engineering reason from the competitive one, which is why this keeps ending up in court. Cross-industry Comparisons: The Two Kinds of Platform Power (Aug 18): Attention power and record power are different problems that keep getting handed the same regulatory toolkit. Congress’s latest swing at Big Tech shows both what’s possible and where it falls apart. The Dogs of (Platform) War (Aug 21): A CourtListener alert turned up a property management fight with healthcare’s exact shape and none of the Cures Act. Shell prospects, ghost accounts, a notetaker bot that came back to haunt someone, and a lawyer arguing both sides of the same theory in two states. Fractals All the Way Down (Aug 31): Yardi dominates property management right up until you zoom into one segment, where AppFolio owns it outright and Yardi doesn’t appear at all. Where you draw the line around a B2B software market is about to decide an awful lot of cases. Other News: If Judy Had the Courage (Aug 13): A short eulogy for the era when software was allowed to look insane: WinAMP, bold colors, and everything the grey chatbot era has taken from us. External Media: Portland Monthly Health Tech Meetup: Erin O’Brien channeled my own feelings - maybe it’s just because it’s August and beautiful, but the monthly edition of the PDX Health community meetup was a ripper. Make sure to reach out if interested to join for the next one. STAT’s Coverage of Epic This Month: Brittany Trang of STAT did a fantastic job of breaking the FTC investigation that’s been lurking, as well as UGM related coverage, so I had to give her her wish of a meme. Fall Conferences: I’m pumped to be kicking off my fall conference season in NYC at Nabla Accelerate next month, which Chrissy provided the link to apply for. Here’s the rest of my schedule in case you want to meet up: Commonwell (Redwood Shores, CA): Oct 13-14 Open@Epic (Madison, WI): Oct 21-22 eHealthExchange (Austin, TX): Oct 27 Sequoia Project (Austin, TX): Oct 28-29 HLTH (Vegas): Nov 15-18 RSNA (Chicago): Nov 29-Dec 3 Posts I Liked: HTI-6 Should Unbundle API Certification: Josh Mandel makes the case that HTI-6 should split (g)(10) into separate authorization and data certifications, so a PACS or a genomics platform can certify only the role it actually performs. Imaging is the urgent example, but the structure solves a much bigger problem. On implementing ePrior Auth with Epic: Scott Rossignol’s field notes from a live ePrior Auth build on Epic, including the two app registrations nobody warns you about and the CPT mapping problem waiting at the end. CMS-0057 implementations are going to be such a beast. Healthcare point solutions are starting to look a lot like streaming services: Spencer Dorn runs the cable-to-streaming arc against health IT and lands squarely on the bundling half of the cycle. Bundling can be good! It can also be bad! Life is nuanced. Health API Guy is a reader-supported publication. To receive new posts and support my work, consider becoming a free or paid subscriber. Subscribe
Oil up nearly 1% as US and Iran trade fresh strikes
Oil prices rose nearly 1% in early trade on Wednesday, extending the previous session's surge, as concerns over supply disruption intensified after the U.S. and Iran exchanged strikes overnight, dimming hopes for a quick easing of tensions in the Middle East.
MNPD: Mental health team not on scene before North Nashville officer-involved shooting
Fox 17 provides local news, weather, sports, traffic and entertainment for Nashville and nearby towns and communities in Middle Tennessee, including Forest Hills, Brentwood, Franklin, Fairview, Dickson, Clarksville, White House, Greenbrier, Springfield, Gallatin, Hartsville, Lebanon, Mt Juliet, Smyrna, College Grove, Thompson’s Station, Centerville, Murfreesboro, Columbia, Lewisburg, Shelbyville, Manchester, McMinnville, Smithville, Sparta, Cookeville, Hohenwald, Waverly, Camden, Paris, Lafayette, Portland, and in Kentucky, Russelville, Bowling Green, Franklin, Alvaton, Scottsville, Hopkinsville, Glasgow.
What Box Office Bomb Crushed Obsession on Streaming?
(Welcome to my weekly streaming ratings report, the single best guide to what’s popular in streaming TV and what isn’t. I’m the Entertainment Strategy Guy, a former streaming executive who now analyzes business strategy in the entertainment industry. If you were forwarded this email, please subscribe to get these insights each week.) Before we get into this week’s issue, let me ask you for some suggestions. At the risk of coining too many names for too many things (hence my dictionary of terms...), I need a name for straight-to-streaming films that are too expensive to justify a straight-to-streaming release, but not big enough to justify a theatrical release. Like some of the films I highlighted in last week’s tally of the biggest film flops of 2026 so far: Hulu’s Mike & Nick & Nick & Alice, Pizza Movie or Never Change! They don’t feel like “made for TV movies” (think Hallmark and Lifetime movies, cheap Netflix romcoms, or Disney Channel Original movies, for example) but they don’t feel big enough for the big screen. They’re not “cinematic” enough, so to speak. As I wrote... “I still need a name for this middle zone of film that’s too expensive to go straight-to-streaming but too small to justify a theatrical release (with all the PR, distribution, marketing and whatnot costs that go along with it), the Goldilocks zone of streaming film death.” Friend of the newsletter Brandon Katz has suggested the “Bermuda Budget Triangle”, “The Platform Gap” and “The Distribution Deadzone”. I love that first one. I’d offer up the much wordier “The Streaming Budget Dead Zone” or “the Goldilocks Zone of streaming film death” but that last one isn’t accurate since, unlike Goldilocks’ porridge, these films are the opposite of “just right”. That’s the problem! Anyway, if you have any suggestions, let me know! On to today’s Streaming Ratings Report. As you can tell by today’s headline, things are going to be spicy! I’m looking at a box office bomb that did really, really well on streaming, somewhat challenging a few different narratives. And another Netflix series declined in its second season. All that, plus Wicked: For Good switching streamers, The Hawk continuing its strong run, _The Bear’_s finale season finally dropping off the charts, the WNBA posting a big viewership number, “shallow libraries”, a sitcom spinoff failing to launch, more big budget IP flopping on Paramount+, all the flops, bombs and misses, and a whole lot more. Let’s dive right in! (Reminder: The streaming ratings report focuses on the U.S. market and compiles data from Nielsen’s weekly top ten viewership ranks, Luminate’s Top Ten Data, JustWatch and Reelgood interest data, Samba TV household viewership, company datecdotes, Netflix hours viewed data, Google Trends, and IMDb to determine the most popular content. While most data points are current, Nielsen’s data covers the weeks of July 20th to July 26th, 2026. You can find a link to my terminology here.) Subscribe Film - The Latest Theatrical Success Story on Streaming In the latest edition of “Flops, Bombs and Misses of the First Half of 2026”, I made a crucial change: I started including theatrical films with the streaming misses. The streamers have collectively—including Netflix, but not to as big of an extent—stopped making a lot of straight-to-streaming films, and the ones they do make aren’t as expensive as in the heyday of the streaming bubble. After the following two films bombed in theaters, you’d guess that they’ll be included in my next collection of flops, bombs and misses six months from now: Masters of the Universe on Prime Video (only $64 million domestic box office) Mortal Kombat II on HBO Max ($79 million domestic) But you’d be wrong! Masters of the Universe, a reboot of the He-Man franchise, a toy from the 1980s, came to streaming on 22-July and did great! This long-gestating project—it’s been at every studio for years, and came close to getting a greenlight at Netflix—then finally came to theaters in June, and showed up on streaming less than two months later. (I don’t love this short theatrical window.) It surprisingly grabbed nearly 20 million hours on its debut: That means, wait for it, Masters of the Universe is currently the eighth biggest film on streaming through two weeks. My rough bar for “hit” is shows or films in the top 15%. Ergo…Masters of the Universe is a legit, streaming hit! (One quick caveat: if it falls out of the top ten next week, it will move to 13th overall, just on the edge of the top 15.) Of course, that’s the data for just 2026. Here’s how it stacks up to Prime Video’s theatrical films: That drop into its second week is typical for Amazon films, but also a worrying sign. I have a feeling interest in this film is front-loaded and we’ll see it drop off after this. As for Mortal Kombat II, in this case, the viewership numbers roughly match the theatrical outing, with only 4.1 million hours in its first week. Here’s how it stacks up to other HBO Max films: The best defense of this number is that, as a relatively violent rated-R film, Mortal Kombat II never had a good chance at breaking out. So now it’s time for a little big of “Entertainment Nuance Guy”: First, yeah, my headline is obviously facetious, since Masters of the Universe besting Obsession says more about horror as a genre than it does that film. Second, I read and listened to quite a few “nobody wanted this IP” takes about Masters of the Universe, and that’s not really true. At least enough people wanted it to power a 20 million+ hour debut! Third, both this film and Mortal Kombat II were considered “average” by viewers, but not great films, with a 6.4 and 6.3 respectively on IMDb. That’s just shy of the level needed to be a word-of-mouth hit. Fourth, in the olden days, strong word of mouth could transform a box office miss into a cable/DVD hit, like Austin Powers or The Shawshank Redemption. We haven’t seen a lot of examples of that on streaming, though. And there are far fewer ways to monetize the post-theatrical life of a film these days. Fifth, Prime Video has shown an ability to push their own titles well, likely because they control the Amazon Fire TV ecosystem. Add it all up, and here’s my nuanced take on Masters of the Universe: it was a box office bomb, but, shockingly, a streaming hit. Unfortunately, while being a theatrical hit saves your film financially, being a streaming hit does not. Both Masters of the Universe and Mortal Kombat II had big budgets and needed to make more money in theaters to justify them. So…Straight-to-Streaming or Theaters? We’ve hit a really fun point in the streaming calendar, since the films that came out in theaters in April, May, and June are now arriving on streaming. So the “Do theatrical releases help streaming performances?” question is gonna get a fresh round of updates nearly every week. No single week will answer the question, but we may get some insights. For example, so far in 2026, it looks like theatrical films are lasting longer on the weekly Nielsen film charts. Here’s a list of films that have made the charts in their fourth or fifth week of release, separated by “for kids” and “general entertainment”: It certainly seems like theatrical films are lasting just a pinch longer on the charts, with Project Hail Mary being the current five-week champion. One Battle After Another did well for HBO Max too, and even The Sheep Detectives made it four weeks. The only exception to this trend? Obsession, which only lasted two weeks on the charts. You might tempted to overreact to this news. Don’t. Obsession is a huge horror hit, but horror just doesn’t do as well on streaming. By the way, here’s the Google Trends for various theatrical and stremaing films: Plus, when it comes to Netflix in four months, Obsession may have another big boost. Quick Notes on Film Note that when I write, “the streamers have pulled back on straight-to-streaming films” that doesn’t mean “abandoned” because Netflix is gonna Netflix. On 24-July, they released 72 Hours, a Kevin Hart comedy. Along with Eddie Murphy, Mark Wahlberg, John Cena and Adam Sandler, Kevin Hart is a streaming film star now. Did this latest one work? Not really. It only garnered two weeks of 13.2 and 12.2 million hours on its debut, well below the 20-million-hour hit threshold. It also was poorly received critically—a 44 on Metacritic—and by customers—a 5.4 on IMDb on 21K IMDb reviews. We’re just getting started with this issue, but the rest is for paid subscribers of the Entertainment Strategy Guy, so if you’d like to find out… The latest Netflix true crime doc to pop on the charts… How The Bear finished its run… Netflix’s latest Western to return to streaming… What Paramount+ animated film flopped… And what sitcom also missed… All the flops, bombs and misses… And a whole lot more… ...please subscribe! We can only keep doing this great work with your support. Coming Soon! I’m behind by a week, so we’ve got two issues coming your way this week, including one in a couple of days or so, then we’ll be all caught up**.** Next issue, inspired by The Super Mario Galaxy Movie coming to Peacock, I’m going to take a look at the workhouse of streaming TV: kids films. Plus The Devil Wears Prada 2 continues theatrical films’ big run on streaming. All that, plus another surprise hit on Hulu, Lioness on CBS, and a whole lot more. Long term, LeBron James is filming his own “Last Dance”-style docu-series, surprising no one. But as I’ve been writing about a lot this summer, this genre is really overrated, so whoever ends up buying it (reportedly ESPN) really shouldn’t pay too much for it.
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. […]
Bessent downplays bond market concerns amid global sell-off
Bond market investors are growing increasingly nervous as fighting resumes in the Middle East.
Ocean heatwaves linked with poorer health among children in coastal communities
Marine heatwaves — periods of abnormally warm ocean temperatures — may have negative health effects on children who live in coastal communities in low- or middle-income countries, according to a study led by researchers at Penn State and the University of North Carolina at Chapel Hill.
Scottsdale investment firm acquires Shasta Pools, plans nationwide growth
It was more than a year ago when Jeff Thiessen, president of Scottsdale-based Dansons Capital Group, was in the middle of having a pool built in his backyard when the builder couldn't finish the job.
Jason Kidd Believes 76ers Had NBA’s Best Offseason
Jason Kidd sounds off on the NBA's best offseason. Philadelphia caught his eye as one of the best.
Times Square stabber had mental health history with police before deadly attack
Jarring video circulating social media shows the woman swinging two large knives before police shot and killed her in the middle of Times Square.
Scientists discover why snake embryos twist into spirals
Snake embryos begin life curled into a distinctive right-handed spiral, and scientists may finally know why. Their bodies grow faster than their guts, creating a tether that forces the lengthening embryo to buckle and twist inside the egg. Researchers reached the conclusion after studying more than 900 embryos and using CT scans to reveal the hidden anatomy behind the coils.
Purdue Science Olympiad inspires future scientists through annual invitational
Purdue Science Olympiad spends all year planning one of the state’s largest invitationals for middle and high school students. Members of the club help inspire future generations of scientists.
Dozens of Nashville businesses appeal property value as state leaders prioritize tax cap
Fox 17 provides local news, weather, sports, traffic and entertainment for Nashville and nearby towns and communities in Middle Tennessee, including Forest Hills, Brentwood, Franklin, Fairview, Dickson, Clarksville, White House, Greenbrier, Springfield, Gallatin, Hartsville, Lebanon, Mt Juliet, Smyrna, College Grove, Thompson’s Station, Centerville, Murfreesboro, Columbia, Lewisburg, Shelbyville, Manchester, McMinnville, Smithville, Sparta, Cookeville, Hohenwald, Waverly, Camden, Paris, Lafayette, Portland, and in Kentucky, Russelville, Bowling Green, Franklin, Alvaton, Scottsville, Hopkinsville, Glasgow.
Bond sell-off intensifies around the world as oil prices rise above $91 a barrel, stoking inflation fears
Renewed fighting in Middle East weighs on financial markets
Caio Borralho Calls for Fight at UFC 334
UFC middleweight contender Caio Borralho called for a fight at the upcoming UFC 334 card in his return to the Octagon.Borralho, the No. 6-ranked middleweight in the Meta UFC Rankings, was supposed to fight Joe Pyfer at UFC 330 but was forced to pull out due to injury.He is now getting back to full health […] The post Caio Borralho Calls for Fight at UFC 334 appeared first on HEAVY.
Americans trust their doctors while second-guessing distant intermediaries—now more than ever
The general public is smiling at local healthcare providers while snarling at federal healthcare agencies, according to a survey report posted Aug. 31 by Annenberg Public Policy Center at the University of Pennsylvania.
The IDA Health Window Is Gaining Traction: Four Responses to the Proposal
I recently proposed an IDA Health Window as the future of multilateral global health financing. The proposal is beginning to gain traction. It has received interest (mostly positive, but always with good, constructive challenges) from colleagues associated with the Accra Reset; Africa CDC and the African High-Level Ministerial Committee on Global Health Architecture Reform; low- and middle-income country health and finance officials; key high-income donors including the UK, France, Germany, and Norway; the World Bank and the Asian Development Bank; the World Health Organization, Wellcome Trust, and civil society.
Vanderbilt Health brings expertise – and caring
Being part of the Vanderbilt Health network has reinvigorated care available to Clarksville patients while advancing world-class care to people throughout Middle Tennessee
Half the World’s Population Will Be Nearsighted by 2050. Scientists Found a Life-Changing Fix.
A hidden band between violet and blue keeps animals’ eyesight perfect—but lightbulbs don’t emit it.
Steve Jobs' 8th grade science project sells for $34,375 as rare Apple memorabilia fetches millions at auction
Even in middle school, Jobs was fascinated with the tech world.
Hanover volleyball looks to build defense after losing key seniors
Hanover Coach: Avery Kretschmar (1) League: NHIAA Division II Last Year: 12-5; loss in the quarterfinals Top Returners: Seniors — Sage Fargher (Setter), Bella Poisson (Outside), Casey Wilkinson (Libero), Esther Skogerboe (Middle) Newcomers: Juniors — Nour Tannous (Outside), Laila Sundred (Defensive Specialist), Amelia McGinnis (Right Side) Coach’s Analysis: “With the matriculation of seasoned front row […]
Scientists Built a Molecule From Ordinary Atoms—and It Doubled Survival for a ‘Hidden’ Cancer
One giant molecule grabs the mutant proteins behind runaway tumor growth—and refuses to let go.
Politics, Pubs, Parades, + the Parish: Jim McGreevey, Part 2
McGreevey traces his path from the Middlesex County Prosecutor’s Office to the New Jersey Assembly, Woodbridge mayor’s office.
Scientists discover two superconducting states hiding as one
Scientists have uncovered hidden complexity inside two ultrathin superconductors that seemed much simpler than they really are. Niobium diselenide and tantalum disulfide appeared to have a single superconducting state, but highly sensitive measurements revealed that each actually contains two strongly interacting states working so closely together that they masquerade as one.
U.S. Bank expands business banking roster
The super-regional lender is adding bankers to serve business clients in Florida and Georgia, where it already has wealth and middle market bankers, an executive said.
NASA launches $4.3bn Roman Telescope to uncover universe’s hidden secrets
SpaceX Falcon Heavy propels telescope on cosmic quest to investigate dark energy and matter.
NASA's newest space telescope launches on a quest to explore the hidden universe
The bus-sized telescope — named after the late Nancy Grace Roman, NASA’s first chief astronomer — will take more than three months to reach its destination.
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.
Hundreds of hidden earthquakes found at Antarctica’s Doomsday Glacier
Hundreds of previously overlooked seismic events have been detected beneath Antarctica, including 245 near the marine edge of the Thwaites Glacier. Many appear to be glacial earthquakes caused when huge icebergs break off, capsize, and collide with the glacier. The surge in activity coincided with a period when Thwaites was flowing faster toward the ocean, hinting that changing ocean conditions may be destabilizing the ice.
Scientists discover a massive heat anomaly deep inside Mars
Mars has a hidden temperature divide, with its southern interior potentially hundreds of degrees hotter than the north and partially molten. The discovery could help explain several long-standing Martian mysteries, including unusual magnetism, seismic behavior, and clues to the planet’s ancient water history.
Why was this previously healthy 14-year-old so sick?
What started as a suspected middle ear infection was quickly found to be a much more serious issue related to COVID-19. Quick response is key.
Midday transfer round-up 💰
With two days to go before the summer transfer window closes in the major leagues, several major moves are in the works or close to being finalized. Here’s a roundup of the first official announceme...
Jelly Roll explains political beliefs after Trump roasts: I’m ‘down the middle’
Jelly Roll, whose real name is Jason DeFord, made jokes throughout the week about President Trump, causing many of his supporters to label the artist a “traitor.”
Seven new frog species were hiding beneath Madagascar’s forest floor
Scientists have discovered seven new species of Madagascar’s elusive diamond frogs, using DNA from modern and century-old museum specimens to solve a long-running biological puzzle. The findings reveal surprising hidden diversity and could help protect these little-known amphibians as their forest habitats disappear.
Political Campaigns Are Quietly Paying Influencers to Support Candidates
Their videos have proliferated on social media, but the payments are frequently hidden from viewers.
Why 1000 citizen scientists from 25 countries across the world buried their cotton underpants
What happens when you bury a pair of cotton underpants in the ground and come back two months later? For nearly 1,000 citizen scientists in Switzerland, the answer offered an unusual window into the hidden world beneath their feet.
Lake Ontario Didn’t Ask for Trump to Rename It
There is a U.S.-led war in the Middle East and the midterm elections on the horizon, but President Trump’s latest priority seems to be “Making The Great Lakes Even Greater.”
U.K. Business Confidence Jumps Despite Lingering Energy Shock
Oil and gas prices remained elevated amid uncertainty over the Middle East conflict, but firms appear increasingly confident that strong consumer demand and a resilient economy can offset the pressure.
Scientists Analyzed Earth's Hidden Seed Vaults And Made a Disturbing Realization
You reap what you sow.
Progressives Condemn Pick of Pro-Israel Democrat Atop House Panel
Outrage over making Representative Jared Moskowitz, who is vocally pro-Israel, the top Democrat on a Middle East policy subcommittee reflected the party’s rift over Israel.
As Oceans Warm, Children Face Growing Malnutrition Risk
In low- and middle-income countries, marine heat waves threaten children’s growth rates and lives, new research shows.
Orlando Health and fire department train for football spine injuries
Orlando Health & OFD partner for spine injury training, preparing physicians for football sideline care.
Carlos Alcaraz favored at US Open with Jannik Sinner injured
The return of Carlos Alcaraz and the absence of Jannik Sinner has had a significant influence on US Open betting futures. Alcaraz, the reigning champion, is +250 to retain his title according to DraftKings odds as of midday Thursday.
Nvidia’s Hidden $40 Billion Business Beyond Big Tech Is Growing Twice as Fast
Nvidia's data center customer list is changing fast, and the new buyers look nothing like the hyperscalers who built the company's dominance. Whether that signals genuine strength or a subtler kind of risk depends on who is actually paying the bills.
“I jumped from my chair” – Astronomers spot Betelgeuse’s hidden companion
Astronomers have captured their clearest image yet of Betelgeuse’s long-suspected companion, potentially ending a search that lasted about 100 years. The surprisingly massive hidden star could help explain Betelgeuse’s changing brightness and may influence its future supernova.
Vikings’ Carson Wentz Doesn’t Hold Back on J.J. McCarthy
The Minnesota Vikings are in the middle of another QB battle to determine who is their backup behind Kyler Murray. After losing the battle to Murray, J.J. McCarthy was given the QB2 status, but after two preseason games and training camp practices, that might be at risk.Veteran QB Carson Wentz could be looking to take […] The post Vikings’ Carson Wentz Doesn’t Hold Back on J.J. McCarthy appeared first on HEAVY.
Idaho high schoolers learn to lead campus mental health efforts at Boise State summit
KBOI-TV CBS 2 covers news, sports, traffic, and weather in the Treasure Valley and Boise, Idaho and nearby communities, including Meridian, Nampa, Garden City, Caldwell, Kuna, Middleton, Eagle, Mountain Home, Star, Melba, Payette, Weiser, Horseshoe Bend, Idaho City, Marsing, Homedale, Parma, New Plymouth, Murphy, Fruitland, Emmett, Wilder, Notus, McCall, Cascade, Donnelly, Council, and Vale, Oregon, and Nyssa, Oregon, Ontario, Oregon.
Smart nanoparticles light up brain cancer and destroy what surgery misses
Scientists created smart nanoparticles that can both illuminate hidden glioblastoma cells during surgery and destroy microscopic cancer left behind afterward. In mice, the treatment prevented recurrence and led to 100% survival at 60 days, though it has not yet been tested in humans.
Health Brief: The hidden costs of the surprise billing fix
Plus: The FDA approves pioneering treatment for one of the deadliest cancers.
Researchers identify traces of two ‘ghost’ ancestors in modern human DNA
Scientists uncovered DNA from two mysterious human ancestors hidden in modern genomes, revealing new clues about our evolutionary past.
University of Utah scientists develop 3D map of hidden Timpanogos Rock Glacier
WASATCH MOUNTAINS, Utah (ABC4) — University of Utah geoscientists say they have created a 3D map of a hidden ‘rock glacier’ in the Wasatch Mountains, one of more than 800 in Utah. They’re cal…
Arrest report: Suspect accused of vandalizing political signs caught on hidden camera
KSNV NBC Las Vegas covers news, sports, weather and traffic for the Las Vegas, Nevada area including Paradise, Spring Valley, Henderson, North Las Vegas, Indian Springs, Sloan, Searchlight, Laughlin and Nellis AFB.
No gym needed: scientists in China develop self-exercising muscle grafts
The team says ‘myografts’ could provide health benefits to those who cannot exercise easily, such as bedridden people.
190-year-old DNA reveals a hidden pangolin species
DNA from a nearly 190-year-old museum specimen has helped scientists confirm a distinct Himalayan pangolin species hiding in plain sight in Nepal and northern India. The discovery could give conservationists a powerful new way to trace illegally traded pangolin scales back to the species and regions being targeted by poachers.
Feel-good factor important for impressive Sarmiento
Jeremy Sarmiento's goal and assist for Middlesbrough in their win over Doncaster, has brought praise from former Boro midfielder Neil Maddison.
Quantum Computers Could Give Scientists a New Way to Explore The Hidden Behavior of Matter
Researchers developed a generalized quantum computational spectroscopy method that uses quantum computers to study complex systems.
Six Humboldt Middle Schoolers Get a Week of Hands-On Science at Tech Trek Camp
Local students dusted for fingerprints, built circuits, and studied exoplanets during a STEM camp sponsored by the Humboldt branch of AAUW, with a couple of them already eyeing future careers in…
SEC draws rule to stop NFL, NBA, WNBA players from returning
After the Big Ten passed a rule stopping players returning from the NFL from playing at its schools, the SEC followed suit, but took it further, adding basketball in announcing a policy forbidding members from rostering anyone from the NFL, NBA and WNBA.
Column: Why I loved Dolly Parton and her Dollywood
CHICAGO — In the middle of Dollywood — a theme park in the Smoky Mountains that I have visited 50 times or more — there’s a replica of the one-bedroom
MTSU actuarial science program earns international attention while expanding student opportunities
Middle Tennessee State University’s Actuarial Science Program is strengthening its national reputation while expanding opportunities for students to prepare for careers in one of the nation’s most specialized and in-demand professions.
‘This is obviously a very, very lucrative business for them’: Somali pirates are back—the Iran war is keeping the US too busy to stop them
Brett Erickson, a managing principal at Obsidian Risk Advisors, says Somali pirates have a lower risk of American retaliation because of resources in the Middle East.
Florida, hard-hit by Obamacare drop-off, feels the squeeze of rising healthcare costs
ST. CLOUD, Fla. (AP) — Florida chef Elijah Button was chopping onions in June when his knife slipped and sliced his middle finger to the bone.
In 2007, scientists used NASA satellite measurements to reveal 14 areas of moving water beneath West Antarctica; one hidden lake had drained about 2 cubic kilometres in three years
Antarctica may look like a vast, frozen and unchanging landscape, but deep beneath its thick ice lies a surprisingly active world. In 2007, scientists reported findings based on measurements collected by NASA’s ICESat satellite between 2003 and 2006, revealing major changes in the surface of the West Antarctic Ice Sheet and signs of water moving through hidden lakes far below.
Salute Our Heroes: Topeka teacher brings ocean science lessons back from NOAA program
Jardine Middle School educator Amelia Black spent 12 days aboard a ship in the Gulf as part of a NOAA Teacher at Sea program
Atomic catalyst unlocks the hidden value of plant waste
Scientists have created a highly efficient catalyst that breaks down stubborn lignin from plant waste into useful chemicals under relatively mild conditions. By revealing exactly how the catalyst works at the atomic level, the discovery could help turn forestry and agricultural waste into renewable building blocks for fuels, plastics, and other materials.
Scientists find hidden “highways” guiding animal evolution
A sweeping analysis of thousands of animal genomes suggests that chromosomes do not evolve randomly but instead follow a limited number of irreversible “evolutionary highways.” These one-way genetic changes preserve clues to more than 600 million years of animal history and could even help researchers explore where evolution may head next.
Lenovo confirms Legion Go issues after gamers report bricked devices
I installed Lenovo’s forbidden BIOS and my Legion Go lived. You might be less lucky.
15 players to target in 2026 fantasy football drafts
While early draft picks and star power always go a long way in fantasy football, it’s frequently the shrewd targets and hidden gems that play a big part in determining the league winner. Here, we’ll identify 15 players to keep in mind for your 2026 fantasy football draft. The consensus average draft position (ADP) listed…
Why politicians are punchlines at the Edinburgh Fringe
There was a time when satire had an easier gig. Politicians said something ridiculous, comedians made fun of them, audiences laughed, and everyone went home. Subscribe Now the joke is often the headline. In a world where the unbelievable regularly makes the news, where politics can veer into parody before the comedians have had time to write the punchline, you might reasonably wonder: is satire running out of material? Not in Edinburgh. At the Fringe, I can confirm satire has a pulse, even in a relentless and rapid news cycle. Politicians as punchlines Take NewsRevue, the world’s longest-running live sketch show, where politicians are turned into punchlines at industrial speed. Its latest target? Andy Burnham - or, more accurately, his doppelganger, pictured below in the middle. The joke, he tells us, is that there have been so many politicians coming and going that even satire risks suffering from political fatigue. But perhaps that revolving door is precisely why comedy matters. When the news cycle moves faster than our ability to process it, comedians can hold up a mirror - and make us think twice. Small talk Take Ayoade Bamgboye, the Saturday Night Live UK star who won the Best Newcomer prize at last year’s Edinburgh Comedy Awards. Her Fringe debut was critically acclaimed; this year she is turning her attention to one of Britain’s most baffling social rituals: small talk. Share It’s a reminder that satire doesn’t always need a politician in its sights. Sometimes the target is simply us civilians - the strange little rules and rituals we have collectively agreed to pretend are normal. Politics and Palestinian identity For British-Palestinian comedian Sami Abu Wardeh, pictured below, comedy has a more urgent job. His new show, Sami Abu Wardeh Hates You, asks who gets to hate, and whether anger belongs to everyone, not just the far right. His comedy confronts politics and Palestinian identity while refusing to surrender the simple business of making people laugh. Shakespeare meets climate crisis And then there is HAM: an “eco-hijacking” of Hamlet, which its creators describe as “a sordid wrestle between a vegan and a sausage-lover”. Shakespeare meets the climate crisis. Meat meets moral panic. The end result? You’ll leave promising to become vegan and swiftly bulk buying Linda McCartney sausages. HAM was created by theatre company Hotter Project, aka Ell Potter and Mary Higgins, pictured below. They say comedy helped them avoid the preachiness sometimes associated with climate activism - using Shakespeare as a vessel for uncomfortable questions about the planet, politics and the way we live. Perhaps that is satire’s secret weapon. It doesn’t necessarily make the world less absurd. It makes the absurdity crystal clear. And at a moment when reality increasingly feels like it has been written by a sketch writer, the Fringe is proving there is still plenty to laugh and cry at. Satire isn’t dead. It’s alive, subletting and having the time of its life at the Fringe. Subscribe Share Channel 4 News Leave a comment
Minister tells social media firms to take down dangerous driving content in wake of fatal A66 crash in Middlesborough
Defence minister says police ‘need time’ but ‘in the meantime’ the government has told platforms to take down content glorifying dangerous driving
Minister tells social media firms to take down dangerous driving content in wake of fatal A66 crash in Middlesborough
Defence minister says police ‘need time’ but ‘in the meantime’ the government has told platforms to take down content glorifying dangerous driving
Exxon Eyes Shell's $8 Billion U.S. Chemicals Business
ExxonMobil is among several bidders pursuing all or part of Shell’s U.S. chemicals business in a potential deal valued at up to $8 billion.
Swiss forward Embolo joins Atlanta United
Swiss striker Breel Embolo has signed for Atlanta United, the Major League Soccer club announced Sunday, in a deal reportedly worth $18 million.Last year the club splashed $22 million on Ivory Coast striker Emmanuel Latte Lath from English Championship side Middlesbrough.
Carney warned about economic coercion. Now Trump is testing the Canadian prime minister
Canadian Prime Minister Mark Carney drew international attention earlier this year by warning that middle powers such as Canada must resist economic coercion
A hidden “on switch” in human DNA has finally been decoded
Researchers have used AI to uncover the DNA signature of a key genetic “switch” involved in turning genes on. After analyzing about 500,000 DNA sequences, the model identified the initiator in roughly 60% of human genes. The breakthrough could help predict the effects of harmful mutations and eventually contribute to decoding the broader genetic instructions that control gene activity throughout the body.
The ROI of resilience: The economic case for healing Israel’s traumatized children
There is no greater hidden liability than untreated childhood trauma, and no higher-yield investment than breaking the intergenerational cycle of abuse.
It's Your Business | From side hustles to sweet and savory success
Siddity Pig Pork Snacks is gearing up to open its first brick-and-mortar location at 2004 S. Neil St. in Champaign alongside Sugar Dust Creations, another homegrown business.
Men face new pressure to stay ‘hot’ as they age — and it’s not just about living longer
Plastic surgeon Dr. Krishna Vyas reveals why men no longer feel stigma around cosmetic procedures and shares the foundational steps for extending 'hotspan'.
Note on Tony Khan Ribbing Fans at AEW Events
Company president Tony Khan appears to be ribbing fans about bringing AEW events to their cities, and it's an ongoing bit at this point.
Healthy athlete had no symptoms before mandatory heart screening revealed hidden defect
Cameron Crider had no symptoms despite years of football and basketball, but a mandatory ECG screening revealed a congenital heart defect needing surgery.
Analysis: Tigers show tenacity and talent
Since Hull were relegated from the Premier League in 2017, they have been down to League One and back before beating Middlesbrough 1-0 in the Championship play-off final to seal promotion last season. Slater, who joined the club initially on loan from Sheffield United in League One - and only cost £50,000 when he signed permanently - swung in a ball for Mendy - a £20m-plus purchase from Rayo Vallecano - to power in a header past Lammens. Sergej Jakirovic, the first manager in the Premier League from Bosnia-Herzegovina, will not let his Tigers get too carried away after being written off as relegation candidates by many on the eve of the campaign.
JWST finds early galaxies may be 4 times more massive than thought
Astronomers using JWST have discovered that massive early galaxies contain far more small, faint stars than expected. That hidden population could make some of these galaxies three to four times more massive than previous estimates. The finding makes it even harder to explain how enormous, mature galaxies formed so soon after the Big Bang. It could also suggest that planets around low-mass stars were more common in the early universe than scientists realized.
'The greatest unknown was how much energy would be released by the weapon': How scientists prepared for the Trinity nuclear test
In this excerpt from "Trinity: An Illustrated History of the World’s First Atomic Test," author Emily Seyl looks at the buildup to the 1945 test that changed history. She explores the huge effort to design experiments that would ultimately establish whether the gargantuan explosion in the middle of the desert was a success.
Hidden Pulses Within Your Brain May Hold Your Thoughts Together
The findings offer a compelling possibility.