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Richard Clode: That cloud business is incredibly strong
Richard Clode, Technology Portfolio Manager at Janus Henderson Investors, discusses Alphabet's mixed earnings, AI spending, cloud growth, Amazon's outlook and software stock volatility.
Today’s horoscope: Taurus - Avoid costly entertainment (Oct. 29, 2026)
Celebrities born on this day: Ben Foster, 46; Gabrielle Union, 54; Winona Ryder, 55; Richard Dreyfuss, 79.
Sports briefs
3 TDs For Richardson Hotrod Richardson ran for three touchdowns (48, 24 and 12 yards) and finished with 77 rushing yards as the Pinebrook Trojans blanked Shady Grove 25-0 on […]
From Ann Richards to Gina Hinojosa: What has — and hasn’t — changed for women in Texas politics
Only two women have been elected governor of the Lone Star State. Could that be about to change?
Professor’s new book examines political tendencies of early Supreme Court
Rachel Shelden, director of Penn State’s George and Ann Richards Civil War Era Center and associate professor of history, is the author of the new book, “The Political Supreme Court: A Forgotten History,” published by the University of North Carolina Press’ W. Hodding Carter III Books trade imprint.
Today on Texas Standard: What changed for women in Texas politics after Ann Richards
Texas has had just two women serve as governor: Miriam “Ma” Ferguson and Ann Richards. If Democrat Gina Hinojosa defeats Greg Abbott, she would become the third — and the first since Richards left office in 1995.
Frank Zhao and Zhengguang Lu Win 2026 LOR Science Prize
Frank Zhao and Zhengguang Lu share the 2026 Lee Osheroff Richardson Science Prize for research on unconventional superconductivity and topological states.
McKee names interim health and human services secretary
Kristin Sousa, Rhode Island’s Medicaid program director, will serve as interim secretary of the Executive Office of Health and Human Services starting Oct. 29. She fills the opening left by Richard Charest, who is leaving to work as CEO of Roger Williams Medical Center and Our Lady of Fatima Hospital.
Northern Arizona athletics prepares for Protect College Sports Act
NAU Athletic Director Richard Duran has a plan to keep the Lumberjacks competitive and fiscally responsible following the Senate's passage of the Protect College Sports Act. NAU will prioritize in-state recruits and strategic investments.
The Listening Room Will Present JR Richards
JR Richards of Dishwalla will perform live at The Listening Room of Cape Cod on Friday, November 6, at 7:30 PM.
Richard Hughes' mistake now looks painfully obvious
Last summer saw plenty of turnover at Anfield, with several stars leaving for free at the end of their contracts. Ibrahima Konate, Mohamed Salah and , three of the Reds' most iconic players across the...
Bailey, Crosby clash over City Hall, carpetbagging and partisan politics in fierce San Diego City Council race
Nicole Crosby, a Democrat, appears to be the favorite over Richard Bailey, a Republican-turned-independent, in District 2, where registered Democrats far outnumber Republicans.
Orlando is leaning towards starting Jase Richardson in …
Orlando is leaning towards starting Jase Richardson in …
Time expert Philippe Richard on why scientists are changing how we keep time
Scientists have voted to change how the world keeps time, but most people won't even notice. NPR's Scott Simon talks to Philippe Richard, director of Switzerland's Federal Institute of Metrology.
Colts QB Anthony Richardson Sr. charged with marijuana possession
A bench trial has been scheduled for Jan. 4, 2027.
Colts' Anthony Richardson Busted for Marijuana Possession
Indianapolis Colts quarterback Anthony Richardson Sr. has been charged with misdemeanor marijuana possession.
Colts QB Anthony Richardson Sr. reportedly charged with marijuana possession
A bench trial has been scheduled for Jan. 4, 2027.
Mexican Mafia member found dead in California state prison cell
Richard Buchanan, a reputed Mexican Mafia from the San Diego area, died in prison Tuesday morning, authorities said. Guards found Buchanan unresponsive in his cell at Kern Valley State Prison,
Candid Candace: Magic Johnson shares business lessons and basketball memories at World Business Chicago gala
Magic Johnson shared stories about Michael Jordan, Richard M. Daley and his business career at World Business Chicago's annual gala at the Field Museum.
UAB opens Shelby Biosciences Research Building to advance health
UAB has opened the Shelby Biosciences Research Building, an eight-story facility named after former U.S. Sen. Richard Shelby, aimed at supporting health research and creating new jobs.
Richard Riehle, prolific character actor from 'Office Space' and 'Bridesmaids,' dies at 78
LOS ANGELES — Richard Riehle, a prolific character actor who portrayed Tom Smykowski, the product manager with "people skills" in Mike Judge's cult classic, "Office Space," has died. He was
'Office Space' star Richard Riehle dies at 78
Actor Richard Riehle arrives at the premiere of New Line Cinema's 'A Very Harold & Kumar 3D Christmas' at Grauman's Chinese Theatre on November 2, 2011 in Hollywood, California. (Jason Merritt/Getty Images)Richard Riehle, known for his role in the 1999 film Office Space, has died. He was 78.A statement shared by Artists & Representatives and Wright Entertainment, Inc. announced Riehle's passing on Monday, writing, "Our industry has lost an exceptional talent, and our community has lost a truly wonderful man.""We are deeply saddened to confirm the passing of our beloved client, Richard Riehle, this past weekend," the statement said. "A remarkable actor whose career in theater, film, and television spanned nearly five decades and more than 400 projects, Richard leaves behind an extraordinary legacy."The statement continued, "Beyond his immense talent, he will be remembered for his genuine goodness, boundless kindness, and unwavering generosity, particularly toward emerging actors and filmmakers, whom he encouraged and supported at every opportunity."Born on May 12, 1948, Riehle starred in many television series and films over the years.Notable projects include Casino, The Man from Earth and Deuce Bigalow: Male Gigolo.He got his start as an actor at the University of Notre Dame, where he was involved in the University Theatre and starred in several stage productions. He went on to earn a Master of Fine Arts in acting and directing from the University of Minnesota.While he's played characters that have an "average Joe" presence, he always made the most of his brief screen time.Some roles that he is remembered for include The Quartermaster in Glory, the train guard in The Fugitive, Reverend Scroggins in Fried Green Tomatoes and Bill Cozbi in Bridesmaids.On television, he starred as Principal Ed Rooney in the 1990 series Ferris Bueller and as grandfather Walt Finnerty in the early 2000s sitcom, Grounded For Life.In 2023, he also played Warden Reynolds in Barry.Riehle is survived by his wife, Jane Latham, and their four children.Copyright © 2026, ABC Audio. All rights reserved.
Richard Riehle, 'Office Space' character actor, dies at 78
Richard Riehle, the versatile character actor best known for his roles in "Office Space" and "Grounded for Life," has died. He was 78.
Richard Riehle, dependable TV and film character actor who was in ‘Glory and ‘Office Space,’ dies
He often played authority figures but was equally skilled at comedy.
Richard Riehle, dependable TV and film character actor who was in ‘Glory’ and ‘Office Space,’ dies
Beloved character actor Richard Riehle has died at 78.
Richard Riehle, actor in 'Glory' and 'Office Space,' dies
Beloved character actor Richard Riehle has died at 78
Richard Riehle, dependable TV and film character actor who was in 'Glory and 'Office Space,' dies
Beloved character actor Richard Riehle has died at 78. Wright Entertainment Inc. announced Monday that Riehle died on Oct. 15. Riehle's career spanned nearly five decades, with memorable roles in...
Richard Riehle, dependable TV and film character actor who was in 'Glory and 'Office Space,' dies
Beloved character actor Richard Riehle has died at 78.
Richard Riehle, prolific character actor known for roles in 'Office Space' and 'Casino,' dies at 78
Riehle's signature mustache and warm persona made him a regular staple in TV and film throughout his nearly 50-year career.
Salazar Accused By City Of Manufactured Dispute To Tank Entertainment District
by Glen Richardson Cities in Colorado are finding that entering into a seemingly binding contract with a developer to construct a critical downtown project does not mean it will ever, in fact, be done. The City and County of Broomfield entered into a $300 million agreement in 2019 with developers to construct a Broomfield Town […]
Richard Riehle, 'Office Space' actor with iconic mustache, dies at 78
Richard Riehle, the versatile character actor best known for his roles in "Office Space" and "Grounded for Life," has died. He was 78.
Liverpool want move for £60m Premier League star
Richard Hughes left Liverpool with a lot of work to do to their team. Even though the Reds' former sporting director managed to spend way over £600 million during his time with the Anfield outfit, th...
Who funded Nebraska Working People, America First parties? Law doesn’t require disclosure.
Nebraska law doesn’t require new political parties to disclose their finances until they are qualified to have candidates on the ballot.
Netflix co-stars bring Hollywood ambitions to The Rock
Close to signing on the dotted line, American actors Richard Lawson and Ricco Ross are primed to begin shooting film and television projects on The Rock soon for their separate production companies.
R.I. Health and Human Services head to replace Roger Williams, Fatima hospitals CEO
Revolving door? Richard Charest’s jump from government to industry raises ethics questions.
Ojeda wants to end Iran War, improve economy and affordable healthcare
Richard Ojeda chats about the campaign trail, the war in Iran and much more as the challenger gets ready for the final sprint to election day.
Prichard finance committee meeting raise questions about employee health insurance and potential pay
During Thursday’s finance committee meeting, a committee member questioned Mayor Carletta Davis about confusion surrounding the city’s health insurance plan with Blue Cross Blue Shield.
Prichard finance committee meeting raise questions about employee health insurance and potential pay increases
Prichard finance committee meets as city budget runs more than two weeks overdue
U.S. Rep. Richard Hudson confident in his record
Washington correspondent Reuben Jones had the opportunity to speak with the incumbent Republican in that race, U.S. Rep. Richard Hudson.
Prichard Senior Center, Housing Authority host senior health fair
Wednesday's event offered flu shots and wellness information for seniors.
Legendary FPS level designer Richard "Levelord" Gray passes away at 68
Tributes pour in for the man behind iconic Duke Nukem 3D levels and much more.
Netflix Layoffs
FILE - The Netflix logo is displayed on the company's website on Feb. 2, 2023, in New York. (AP Photo/Richard Drew, File)
Heat has decision to make on center Nick Richards. What it means for both parties
Will center Nick Richards be on the Heat’s opening night roster?
Report: Virginia Tech’s next president coming from Kansas State
Virginia Tech is expected to name Richard Linton, Kansas State University's president, to be its next president.
SPECIAL REPORT: Tough Business
A string of vacant restaurant buildings shows that many restaurants in the region are struggling — and several are closing By Stefan Yablonski [caption id=attachment_11132 align=alignright width=401] Smokey Bones Bar & Fire Grill on Route 31 in Clay closed its doors in April. It had been in operation since at least 2008.[/caption] By their nature, most restaurants have a limited life. An astonishing 60% go out of business within three years of opening, largely due to fundamental flaws in the planning of the operation. But even restaurants that experience years of success almost always face eventual closure. The restaurant business is very hard and because of both personal factors and external factors beyond anyone’s control, restaurants don’t last forever. For many restaurants, age is a big factor, according to Kenneth Walsleben, professor of practice, entrepreneurship and emerging enterprises at Syracuse University. “The owners have been at it for 20 or 25 years, if not longer, they want some time to themselves,” he said. Such was the case for Jocko’s Famous Ritz Diner in Oswego. Jocko Reitz bought the building in the late 1970s from Robert Shapiro. However, when he stepped away from the business, it eventually closed. [caption id=attachment_11142 align=alignright width=402] For nearly 80 years, Vona’s Restaurant passed through three generations of family in Oswego. It closed its doors on Dec. 31, 2025.[/caption] For nearly 80 years, Vona’s passed through three generations of family in Oswego. Vona’s Restaurant officially closed its doors on Dec. 31, 2025, when no family member wanted to take over. It is on the market. The Ruby Tuesday in Oswego operated for about two decades before permanently closing in April 2026. The restaurant faced multiple temporary health department closures in 2024 and 2025 due to persistent fruit fly and foundation pest issues. Management posted a final closure notice on the doors in mid-April 2026 and the building was put up for sale. The same pattern has been happening in Onondaga County. The big building once used by Smokey Bones Bar & Fire Grill on Route 31 in Clay remains empty, more than six months after the restaurant closed its doors in April. It had been in operation since at least 2008. [caption id=attachment_11130 align=alignright width=401] Ruby Tuesday in Oswego operated for about two decades before permanently closing in April 2026.[/caption] Just down the road from Smokey Bones, the popular Outback Steakhouse closed in August 2024. Another restaurant took its place, La Cocina Mexican Restaurant, but it closed shortly after. The building sits empty. Other very popular restaurants in the northern suburbs of Syracuse have recently closed. Among them, Fireside by the River in Baldwinsville and Primo Nestico’s Bistro Bar in North Syracuse. “I haven’t really paid attention to the Syracuse area. There has always been some turnover, but there probably has never been a tougher time to be a restauranter than now. It’s just brutal,” Walsleben said. In the first year, roughly 20% to 25% of restaurants close or change hands, according to the National Restaurant Association. [caption id=attachment_11122 align=alignright width=401] Outback Steakhouse closed in August 2024. Another restaurant took its place, La Cocina Mexican Restaurant, but it closed shortly after. The building sits empty.[/caption] “Depending on what statistics you look at, you’ll find that any business has a high mortality rate in the first year. That is just the nature of entrepreneurship,” Walsleben said. “There are certain ones that are getting hit hard while others are more fruitful. “And when you look at the restaurant industry you have to factor in labor which is a large part — typically a third of your expenses — and those costs are going up. And there is always turnover which means investing money to train people. Then you’ve got food costs, which is also a third of the typical restaurant budget. Since the pandemic labor has gone up 41%, food costs have gone up 35%. That’s a big tight squeeze righty there. That’s two-thirds of your budget that has gone up 35% to 40% in the last few years. And then the only way you can make that work is to raise the prices.” The National Restaurant Association reports menu prices are up 36% since February of 2020. In a survey released by the association, more than eight in 10 restaurant owners reported that their food, beverage and labor costs are now higher than before the pandemic. You have to deal with the reality of are the customers willing to pay for that? Walsleben added. Restaurants historically have very thin margins; their profit margin is about 5%. “You have a third that goes into food, a third that goes into labor and about 28%, 29% that goes into everything else — overhead, insurance etc. So that brings you down to your 5% leftover,” he said. “Everything is going up. Customer expectations are going up and people aren’t going to spend that much more. So, you have a tight squeeze here,” Walsleben continued. “Restaurants who use delivery apps, they pay a fee to those guys. Those guys don’t work for free. So, you can kind of see where the squeeze comes from.” Stuck in the middle There are pockets of opportunity; the two extremes of the market can make a profit. But the middle gets squeezed out. “If you are a low-end fast-food kind of place, there is room for that. People have changed their budgets. They are still going out, but they are not spending more,” according to Walsleben. “The high end remains positive. If you have a restaurant that brings a specific experience … a great food product or you are catering to high end customers who aren’t so budget conscious, those patrons are going to expect a high-end experience. They expect excellent food every time. They are expecting excellent service. If you can meet those expectations there is room for you at the top. It’s just the guys in the middle are getting the squeeze from both ends. Tough competition, customer expectations, costs are up. Menu items, you can’t raise the prices as much as you need to. That is why you are seeing a lot of restaurants baling out.” The ones that can adapt quickly are the ones who are doing OK. “Success is heavily dependent on the strength of a restaurant’s concept development and the planning of its execution. Eventually things aren’t always new. Things change. So, if you are in the restaurant business you have got to change your menu — keep things new, fresh and update your meals. It is very fickle industry. One year carbs are out, the next year berries are out. Everybody’s diet changes — constantly chasing the latest phase. You have got to adjust your menu and move with those modifications. If you have a static menu that you have used the last couple years that hasn’t changed except for the pricing, you’ve got a problem,” he said. A lot of times these buildings are singular purpose, he added. “You have a commercially viable kitchen and you got a seating area. There is not a lot of other businesses that cater to that type of a layout. So, it’s pretty common to see another restaurant slide in,” he said. One of the things a banker learns early on is you don’t lend money to restaurants … because they fail so quickly. It is very hard to predict who the winners will be. So, if you are a restaurant in addition to all the other challenges, it is very difficult to get loans, according to Walsleben. “You might work really well in the kitchen. But that doesn’t mean you are a great businessperson,” he said. “Restaurants can fail because the owner didn’t know how to manage things properly. There are a lot of challenges. “There is opportunity at the high end and the low end. But in the middle, that’s the death valley. There are just so many things working against you. You really need to have something that will pull people in and continue to pull people in because you to constantly have to change. Think about a theme and a product that is unique to the area people don’t travel that far these days you have to be able to deliver it in an innovative fashion and keep updating to keep people coming in the door.” Out of Business? How Fast? Do nine out of 10 restaurants fail in their first year, as commonly claimed? No. Survival analysis of 1.9 million longitudinal microdata for 81,000 full-service restaurants in a 20-year U.S. Bureau of Labor Statistics non public census of business establishments in the western US shows that only 17% of independently owned full-service restaurant startups failed in their first year, compared with 19% for all other service-providing startups, according to ResearchGate. The median lifespan of restaurants is about 4.5 years, slightly longer than that of other service businesses (4.25 years). However, the median lifespan of a restaurant startup with 5 or fewer employees is 3.75 years, slightly shorter than that of other service businesses of the same startup size (4.0 years). What Makes a Restaurant Successful? Opening and maintaining a successful restaurant is not as easy as creating a great menu and serving excellent food. It takes more than that, according to local restaurant owners who have been in business for decades in the region. They all agree that there are some guidelines to running a successful restaurant. • Quality food: Successful restaurants know exactly what they serve and who they serve it to. Delivering the same great taste every single time builds loyal customers. • Smooth operations: Friendly greetings and attentive staff make guests feel welcome from the moment they walk in. Hiring staff for personality and training for skill ensures reliable, caring service. • Smart marketing: Exceptional food and experiences naturally get people talking and sharing online. Word of mouth can help entice customers. Consistent social media and targeted advertising brings in new and repeat guests also. The menu is what keeps patrons coming back to Mimi’s Diner in Fulton, located at 201 N. Second St. “We locally source our produce and our meats. Our chicken and biscuits is a popular, popular special,” said Richard Tagliareni, the third-generation owner and general manager. “It’s all homemade. We have consistently served quality food.” His grandfather started the business more than 55 years ago. Mimi’s is engrained in the community. They cater to the community and are very involved in everything from the schools to local events. The first Mimi’s Drive-In opened in Mexico. Then a second in Oswego and then Fulton. Fulton’s Mimi’s is the only one left. “The last couple of weeks have been kind of slower than normal. October is usually a busier month for us People will start coming back around again. Also, the price of gas is affecting some things,” Tagliareni added. “We try to keep our prices in line. You go out to eat, you’re going to spend about a hundred bucks or so for two people for dinner. You come here to Mimi’s you are probably for two people for dinner it’s between $50 and $60. We are trying to keep our prices in line. We did have to increase our prices a little bit but things are looking OK.” For the Press Box, 29 E. First St., Oswego, it’s also about great food and a family atmosphere. “Our sports bar and restaurant was established in 1984,” said Alison Canale Scanlon, manager. “I think putting the time into everything makes a big difference and treating people like family when they walk into your restaurant. That’s how we have always operated since 1984.” “It’s the family oriented aspect,” she added. “Consistency, quality and presentation of our food — that’s the secret to a successful restaurant. We try to be very consistent with it. We treat people like family when they come in; because we know how we want to be treated when we go to a restaurant. We treat people the same or better.”
Finding Renée Richards: the complicated past and present of a trans sports pioneer
A new book explores the story of the tennis player who sued to play in the US Open after transitioning and, fifty years later, supports bans on trans athletes
Politics Chat, October 13, 2026
A newsletter about the history behind today's politics.
Famous And Innovative Duke Nukem, Quake Level Designer 'Levelord' Has Died
News of Richard Gray's death was shared online by his wife
Liverpool must learn from Richard Hughes' mistakes
Although he only spent two full seasons at Liverpool, Richard Hughes oversaw some of the most historic moments in the club’s history. In the five transfer windows in which Hughes headed the recruit...
$20 million gift kickstarts Dartmouth Health’s home healthcare program
Richard Levy ’60 will donate $20 million in installments at his discretion and tied to expansion milestones over the multi-year rollout of Dartmouth Health at Home.
Jase Richardson Reflects on Orlando Magic's 'Sloppy' Preseason Loss
Orlando’s sloppy turnover troubles and Paolo Banchero’s shooting slump fueled a double-digit loss, prompting Jase Richardson to demand more physicality and poise before the regular season begins.
Sen. Richard Blumenthal likely to seek 4th Senate term in 2028: Haar
"Voters want the most energetic, passionate and effective person ... regardless of age. I am that person," Blumenthal said.
Coravin Symposium gives sommeliers the business advice they need
Business events in the wine industry are thin on the ground, so when Coravin announced it was to host a day dedicated to providing commercial insights and support for sommeliers the expectations were high. Thankfully those hopes were well and truly met at a highly successful inaugural event held at London’s Savoy Hotel last week. The Buyer’s Richard Siddle was there to not only analyse what was said, but helped chair the opening session on how data is now central to how wine lists are being pulled together - which was typical of the commercially focused issues covered during this much needed and well received day. Here he shares his key takeaways from what will hopefully become an annual fixture in any leading sommelier’s diary.
Brave, Brave, Brave, Brave Sir Richard
If I were an atheist, I would feel pretty discouraged about now by the New Atheist icon.
Backlash to Trump, RFK Jr. has scientists seeking office
Anti-vaxxers and attacks on the nation's public health system have spurred hundreds of doctors and scientists to seek office. In Sacramento, congressional hopeful Richard Pan is part of that wave.
Leam Richardson ‘Really Proud’ Of Reading’s Excellent MK Dons Win
The gaffer was a happy man after the Royals ran riot at Stadium MK.
Kyle Richards’ daughter Alexia reveals on “Special Forces ”she was ‘taken advantage of by a friend’
The “Real Housewives of Beverly Hills” star shared that neither of her parents know about the experience.
Two Orlando Magic Rookies Looking to Take Major Leap
After forging a bond through rookie adversity, Jase Richardson and Noah Penda embrace a competitive offseason to transform into consistent, two-way anchors for Orlando’s emerging rotation.
Hay Festival Dallas expands with books, music, politics
Hay Festival Dallas returns Oct. 15-18 at Wild Detectives and Texas Theatre. Participants include Bun B, Nikole Hannah-Jones and Richard Ford.
Push to increase access in N.Y. to mental health treatments
The announcement is in the wake of President Donald Trump’s April 2026 executive order accelerating medical treatments for serious mental illness.
I On Politics
ITALIAN HERITAGE CELEBRATION: On Thursday, October 8, 6-8:00 pm, Borough President Donovan Richards Jr. will host an Italian Heritage Celebration at the Helen Marshall Cultural Center at Queens Borough Hall, 120-55 Queens Blvd. For more information and to RSVP: www.queensbp.nyc.gov/ COMMUNITY BOARD 6 MEETING NOTICE: Community Board 6 will meet on Wednesday, October 14,
Why are out-of-state billionaires funding a California voter ID measure?
Packaging magnate and Illinois businessman Richard Uhilein and venture capitalists Cameron and Tyler Winklevoss are among the big spenders bankrolling California’s voter ID measure.
Big Brothers Big Sisters of Broward County and Henderson Behavioral Health Win Community Catalyst Award - Florida Hospital News and Healthcare Report
Ty Richardson, Interim President & CEO of the Greater Fort Lauderdale Chamber of Commerce; Vivian Demille, COO of Henderson Behavioral Health; Shari Thomas, Director of Youth & Family at Henderson […]
'Saved by the Bell' star Dennis Haskins' cause of death revealed
The cause of death for Dennis Haskins, an actor who played Principal Richard Belding across the 'Saved by the Bell' franchise, has been revealed. The sitcom star died Sept. 27 in Burbank.
Ohio Early Voting Begins With US Congress Control on the Line
By Richard Cowan MEDINA, OHIO, Oct 6 (Reuters) - Early voting begins on Tuesday in Ohio, where the winners of November's midterm elections will help determine whether Republicans or Democrats control the US Congress for the next two years, given the state has one Senate seat and two House seats ...
Students, politicians gather on Beinecke to protest Trump negotiations
On Friday afternoon, protesters marched to Beinecke Plaza, where they convened with Connecticut politicians, including Sen. Richard Blumenthal LAW ’73, to urge Yale administrators against settling a federal investigation into its admissions practices.
Ethan Hawke names surprising thriller co-starring ex Uma Thurman as his breakout: ‘Changed my life’
If you ask Ethan Hawke, it wasn’t ‘Dead Poets Society’ or ‘Reality Bites’ that gave him his big break — it was this under-seen, experimental thriller from a master of indie cinema that made him a star.
Sylvester Stallone details ‘physical’ altercation with Richard Gere on ‘The Lords of Flatbush’ set
Sylvester Stallone recalled his on-set tension with Richard Gere during the filming of ‘The Lords of Flatbush,’ which Gere later exited.
How Americans’ Financial Health Is Faring In The “K-Shaped” Economy
Hey all, Jason here. Money20/20 is still two weeks away, but I’ve already started packing (not procrastinating for once!). My calendar is already filling up with various sessions I want to catch, meetings, and of course happy hours, dinners, and other side events. If you’ll be in Vegas and want to catch up, let me know by replying to this email, and we can try to find a time amidst the chaos of the Venetian. A big if not totally unexpected piece of news dropped on Friday: the Independent Community Bankers of America, a trade group that represents smaller U.S. banks, filed a lawsuit against the OCC and Comptroller Jonathan Gould, arguing that the regulator’s move to grant trust bank charters to firms seeking to use them to conduct substantial non-fiduciary activities exceeds the authorities granted to the OCC by Congress. I haven’t had time to fully digest the legal filing or speak to folks in my network about it, but you can expect to see coverage and analysis on it in next week’s newsletter. Subscribe or Support by Upgrading The NerdCon agenda just dropped. It’s stacked. Partner content: Nubank built an AI-first bank. Chime built its own banking core. Figure and Valon are rebuilding the mortgage stack. At NerdCon, you’ll hear from the people behind those bets: what they chose, what they learned, and what they’re still figuring out. The agenda is live, with leaders from Nubank, Chime, OpenAI, Remitly, Mercury, Figure, Valon and more. Follow the mainstage conversations, bring the problem your team is wrestling with to a hands-on workshop, or pull up a chair at a roundtable. Pick your quests. Meet us in San Diego, November 18–20. Fintech Business Weekly readers save 20% with code FBW20. Explore the Agenda Things To Know & Other Good Reads Federal Reserve Board finalizes changes to enhance the transparency and public accountability of its stress test and reduce volatility in its stress test-related capital requirements (Federal Reserve Board of Governors) FDIC Announces Conclusion of Independent Monitorship (FDIC) Modernizing Financial Regulation: Initial Observations from eSLR (Fed Vice Chair for Supervision Michelle Bowman) The Data Version of Godzilla versus Kong: FRED Takes on AI (Fed Governor Christopher Waller) Financing the AI buildout (Brookings) Q3’26: Rules for Banks but Not for Crypto (Fintech Takes Banking) The Inevitability of Local Stablecoins (Lombard Notes) Delusions of AI Governance: The Human-in-the-Loop Comfort Blanket (Fintech Snark Tank) Stripe agrees to acquire Parafin to expand revenue opportunities for platforms and help small businesses grow (Stripe) Listen: Fighting Fraud in the Age of AI, with SEON’s Tamas Kadar (Fintech Business Weekly) How Americans’ Financial Health Is Faring In The “K-Shaped” Economy If there is one overarching theme across the economy and politics in the U.S. at the moment, it’s “affordability.” The term is vague enough to encompass a panoply of factors shaping Americans’ day-to-day lives: rising costs for the hallmarks of being “middle class,” including healthcare, housing, childcare, and education, inflation and rising interest rates, and a job market with the specter of AI hovering over it. At the same time, policy shifts under the Trump administration have resulted in reduced subsidies to those who get health insurance under the Affordable Care Act and new restrictions on qualifying for Medicaid and SNAP, the impacts of which have yet to be fully felt. These factors are contributing to declining consumer confidence and general dissatisfaction with the economy, despite continuing GDP growth and stock market records. This divergence is encapsulated in the idea of the “K-shaped” economy, in which a small proportion of Americans have seen their wealth balloon, while the majority of American households struggle to preserve the lifestyle they have. Perhaps the greatest determinant of which branch of the “K” a household is on is whether their wealth and income are primarily derived from employment vs. from assets. Nearly two decades of low interest rates and, more recently, elevated rates of inflation have benefited asset owners, while those whose income is primarily or solely derived from labor have largely seen real purchasing power stagnate or decline. This is reflected in recent Bureau of Labor Statistics data showing that labor share of U.S. GDP — the fraction of economic output that accrues to workers as compensation in exchange for their labor — dropped to just 52.8% in Q2 2026, the lowest since the BLS began keeping records. In 1947, approximately 2/3rds of economic output accrued to workers; even as recently as 2001, labor’s share of GDP was 64.1%. Against this backdrop, we’ve seen the rise of more credit and credit-like products: cash advance apps, “no-fee” overdraft, earned wage access, and buy now pay later, which are often used as small-dollar short-term borrowing mechanisms to meet immediate consumption needs or pay other bills (eg utilities, cell phone, other debt payments). With the markers of a middle class existence and, increasingly, basic financial stability seemingly out of reach for many, it should be no surprise there’s been an increase in “financial nihilism,” something industry peers like Alex Johnson and Frank Rotman have discussed and analyzed the roots of. The explosion of gambling and gambling-adjacent products and services — often marketed under the guise of being an “investment” — is inextricably intertwined with the rise of financial nihilism. Crypto, sports betting, and, more recently, prediction markets offer an escape or even hope of sorts, like a contemporary, digital version of a scratch-off lottery ticket, while leaving the overwhelming number of people who use such products worse off. Share of Households That Are Financially “Vulnerable” Ticks Up The Financial Health Network’s 2026 Financial Health Pulse® report adds context on how American households are faring. (I linked to this report in last week’s newsletter, but wanted to take time to further unpack the data in the report this week.) The Financial Health Network publishes the report annually, providing insight into how Americans’ financial circumstances are changing over time. The 2026 report is derived from a survey fielded in April and May 2026. The report leverages survey responses to assess indicators of financial health across spending, saving, borrowing, and planning/protecting and to determine a zero to 100 “FinHealth” score. Those with scores between 0 and 39 are considered “Financially Vulnerable,” consumers with scores ranging between 40 and 79 are defined as “Financially Coping,” and those with scores of 80 to 100 are “Financially Healthy.” The report found that moderate improvements in 2025 were reversed, with the share of respondents considered financially “vulnerable” rebounding to 17%. The longitudinal data reflect the impact of pandemic-era programs, like expanded unemployment, cash stimulus payments, and pauses of federal student loan payments. The positive impacts of those programs, as reflected in the Financial Health Pulse reports, had largely disappeared by 2023. While pandemic-era inflation — to be fair, in part caused by the various support and stimulus measures — had come down from as high as 9% in 2022, it has rebounded since the start of Trump’s second term, with tariffs and energy market disruptions owing to the war in Iran pushing prices back up. Specific indicators in the survey that deteriorated from 2025 to 2026 include the share of respondents spending less than their income over the past 12 months, the share paying all bills on time over the past 12 months, the share that have a manageable amount or no debt, the share that are “moderately” or “very” confident their insurance is adequate to cover them in an emergency, and the share that “somewhat” or “strongly” agree that their household plans ahead financially. Unsurprisingly, lower- and moderate-income households are more likely to struggle to pay their bills on time and have any funds leftover to save. The share of low-income households whose income exceeded their spending dropped from 35% in 2025 to 31% in 2026, while the share of upper-income households whose income exceeded expenses remained unchanged at 63%. Households with student loans or revolving credit card debt reported having “a bit more” or “far more” debt than was manageable at rates far higher than those not carrying these types of debts. The share of those with student loan debt indicating their debt load was too high to manage increased from 50% in 2025 to 55% in 2026, while the share of those with revolving credit card debt saying the same ticked up from 51% in 2025 to 54% in 2026. Households that had student loans were markedly more likely to be financially “coping” or “vulnerable” vs. those without student loans. In 2026, 27% of households with student loans were considered financially vulnerable, a jump of 6% points vs. 2025. Households without student loans saw just a 1% point increase (not statistically significant) in those considered financially vulnerable. Households’ perception of the affordability of categories of goods and services paints a stark picture, with less than one-fourth considering higher education affordable, about a third deeming childcare affordable, and less than half viewing healthcare as affordable. Fintech Business Weekly is made possible by the generous support of paying subscribers — bringing you independent analysis of banking, fintech, and crypto without fear or favor. You can support my work by becoming a paying subscriber if you aren’t already. Paying subscribers enjoy: access to the entire archive of nearly six years of newsletters extended versions of the weekly newsletter, with additional content and analysis and (for founding member tier) quarterly personal 1:1 fintech Q&A / strategy calls with me, tapping into my unparalleled knowledge of the intersection of banking and fintech and experience working in the sector, including helping to launch Goldman Sachs’ retail bank Marcus Support Fintech Business Weekly You can also support Fintech Business Weekly by sponsoring a newsletter or podcast, putting you in front of 93,000+ of the most influential decision makers in banking, fintech, and crypto. Learn more about sponsor opportunities or request a media kit by dropping me an email. Democratic Senate Report Highlights How Iran Uses Tether to Evade U.S. Sanctions Iran uses stablecoins, specifically Tether, to evade sanctions, fund regional proxies, and to purchase military drones, a report released last week by the Senate Permanent Subcommittee on Investigations says. The report was authored by committee ranking member Senator Richard Blumenthal (D-CT) and the minority staff. Crypto and stablecoin proponents will often push back on criticism that criminals make use of these assets by arguing that, on an absolute dollar basis, far more illicit funds flow through traditional banking systems and payment rails than via crypto and stablecoins. And while that is likely true, it elides the reality presented in news story after news story: whether state actors — Russia, Iran, North Korea — or criminal groups, those looking to engage in illicit transactions increasingly favor stablecoins and, specifically, Tether (USDT). The report from the Senate Permanent Subcommittee on Investigations released last week adds context to how Iran uses Tether has a lynchpin in its shadow banking system. The report analyzed 846 wallets that have been sanctioned or targeted for seizure, finding that 84% of them transacted exclusively or primarily in Tether. The ability to create near limitless, anonymous wallets and to move funds effectively instantaneously and irreversibly have made crypto a favored financial mechanism for bad actors. Stablecoins solved key drawbacks of bitcoin, namely, the original cryptocurrency’s highly volatile value in dollars. And while Tether (the company) has the technical ability to “freeze” or destroy funds, the company is often limited and reactive in its approach to doing so, the Senate report argues. Tether, which is nominally based in crypto-friendly El Salvador, “has stated that its compliance with OFAC sanctions is ‘voluntary’ and that it follows ‘OFAC guidelines,’” the Senate report says. Owing to these favorable attributes, Tether “became a primary cryptocurrency for Iran, Hamas, Hizballah, and the Houthis beginning in 2023 and has expanded in scale since,” according to the report. Tether’s role in Iran’s shadow banking system, the report says, is enhanced by crypto exchanges like Bybit, Kyrrex, OKX, Gate, and Binance, and through “over the counter” exchanges and hawala networks. The consequences of these financial flows aren’t hypothetical. The Senate report links Tether as a funds transfer mechanism to Iranian proxies in the region, including Hizballah, the Houthis, and Hamas. Tether has also been used to make payments to secure components necessary to manufacture drones, the report says. The report concludes by arguing that “[s]tablecoin issuers with a significant nexus to the United States, particularly those that offer dollar-denominated stablecoins, should be subject to American sanctions law rather than being allowed to hide behind foreign jurisdictions.” Stablecoin issuers like Tether must be held accountable for repeated failures to prevent illicit finance and sanctions violations by law enforcement, the Department of Justice, the Securities and Exchange Commission, and OFAC, the report argues. [Paying Subscriber Exclusive] OUSD Goes Live, Make Your Own Neobank, U.S. Sanctions Russia’s A7 Network As “Transnational Criminal Organization” OpenUSD, the stablecoin issued by the Open Standard consortium that includes Stripe, Visa, Mastercard, core providers, crypto firms, and numerous banks, went live last week. Social commerce platform Whop raised eyebrows in fintech by offering creators on its platform the ability to launch their own neobanks, which the company describes as “great businesses that are easy to run,” in just 15 minutes. And OFAC and FinCEN target Russia’s “shadow banking” A7 Network — more on these stories after the paywall.
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Banner Supply marks 100 years in business
YOUNGSTOWN — Banner Supply Company celebrated its 100th anniversary with a celebration Sept. 25. The event was open to the public and was attended by many of Banner Supply’s regular customers and former employees. A family-owned provider of building materials, roofing supplies and construction products, the company has had a long history, with Richard William […]
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