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After the financial crisis 10 years ago, unhappy customers were expected to flee the megabanks for smaller competitors. It didn’t happen. And the big banks became even more entrenched. Now another wave of alternative banks are at it again. Chime, the biggest new name to pop up, has opened two million fee-free online checking accounts and is adding more customers each month than Wells Fargo or Citibank. Venture capitalists are pouring money into American start-ups that are offering basic banking services — known as neo-banks or challenger banks. In 2018 so far, American neo-banks have gotten ... 10 times as much funding as they did in 2015. “In consumer banking, you have what is one of the largest industries in the United States, in terms of profits, and at the same time one of the least disrupted industries, and the most unpopular with consumers,” said Andrei Cherny, the founder of Aspiration, a neo-bank that has attracted nearly a million customers. “Those three things create a perfect storm for disruption.” The banks are struggling to adapt because they have built an expensive infrastructure of local branches and have become increasingly reliant on revenue from fees. Surveys have shown that a wide array of fees, for everything from A.T.M. use to checking account maintenance, have been steadily rising in recent years. The big banks have also held on to the interest payments they get rather than passing them along to depositors.
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The Department of Homeland Security is gathering intelligence from paid undercover informants inside the migrant caravan that is now reaching the California-Mexico border as well as monitoring the text messages of migrants, according to two DHS officials. The 4,000 migrants, mainly from Honduras, have used WhatsApp text message groups as a way to organize and communicate along their journey to the California border, and DHS personnel have joined those groups to gather that information. The intelligence gathering techniques are combined with reports from DHS personnel working in Mexico. Paying informants, placing officers in the region or monitoring the communications of non-U.S. citizens is not illegal, said John Cohen, former acting undersecretary of intelligence for DHS, but it does raise some concerns about the allocation of resources. "Those resources have to come from some place. They are not being devoted to thwarting terrorist threats, mass shootings, mailed fentanyl coming into the country or cyberattacks," said Cohen. Cohen said the caravan presents a logistical and humanitarian issue, but because the vast majority of its members want to present themselves legally to claim asylum, it is not wise to devote a significant amount of intelligence resources to it. "I find it hard to believe that the highest risk facing this nation comes from this caravan," Cohen said.
Note: For more along these lines, see concise summaries of deeply revealing news articles on intelligence agency corruption and the disappearance of privacy.
Steven Pinker, a cognitive psychologist at Harvard, has been known to take provocative positions. He has argued that women are intrinsically different from men, that we are more driven by our genes than academics like to acknowledge, and that society is getting less violent over time — despite the mass shootings and other atrocities we hear about daily. The thesis of his latest book, “Enlightenment Now,” is that life on Earth is improving. By every major measure of human well-being, from personal safety to longevity to economic security to happiness, people everywhere are far better off today than they were before the start of the Enlightenment in the 17th century. "I stumbled across data showing that violence had declined over the course of history. The homicide rate in England was 50 times higher in the 14th century than it is today," [said Pinker]. "Like any other news reader, I just assumed that there was as much mayhem as ever. It’s only when you plot it over time ... that you can see the trends. It’s not just in violence that one sees progress, but in poverty, in illiteracy, in access to small luxuries. The percentage of the world getting an education, in gender parity in education - girls are going to school all over the world. Even in ... the world’s most retrograde countries, the rate of female education has increased. It was an epiphany from seeing graphs of human improvement that changed my view of the overall course of history: that progress is a demonstrable fact.
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MDMA, the active ingredient of ecstasy pills, makes people more inclined to cooperate on tasks and quicker to rebuild trust, according to researchers investigating its use in treating psychological disorders. Scans reveal it increases activity in parts of the brain linked to empathy and social behaviour that helps interpret other people’s beliefs and intentions, researchers from King’s College London said. This could make it a useful addition to psychotherapy sessions and the drug is currently undergoing medical trials to assess its use in supporting treatment of post-traumatic stress disorder (PTSD). “Understanding the brain activity underlying social behaviour could help identify what goes wrong in psychiatric conditions,” said Professor Mitul Mehta from the King’s Institute of Psychiatry, Psychology & Neuroscience (IoPPN). While it is possible that making users more helpful and collaborative could lead to them being exploited, Professor Mehta and his team found the drug did not make users gullible. During the study ... participants on MDMA were less likely to cheat their partners than those on the placebo. Where they had previously been cheated ... subjects on MDMA were as likely to act selfishly as those on a placebo, however they were quicker to trust these partners again after a run of cooperation. This was backed up with patterns of brain activity.
Note: The study referenced by this article is available here. Articles like this suggest that the healing potentials of mind-altering drugs are gaining mainstream scientific credibility.
Dead Dog on the Left isn’t just a documentary about the use of ecstasy in treating PTSD, it’s a story of the lengths one former marine will go to for friendship. [Tyler] McCourry and [Nigel] Flanigan are the subjects of [the] mini-documentary taken from a forthcoming feature film, MDMA the Movie, which explores the history of the so-called “party drug” more popularly known as ecstasy, its use in therapy, and harm reduction. Both films are directed by Emanuel Sferios. His protagonists may have survived the Iraq war, but only barely. Suicidal thoughts have stalked them both. In May 2012 McCourry did his first [MDMA-assisted psychotherapy] session ... lying in bed, flanked by two therapists. At the beginning of the session he was given a 75mg dose of MDMA. “During those eight hours you’re addressing the most challenging situations in your life,” he says. “It feels very exhausting, like it was some of the most work you’ve ever done in one day.” McCourry calls those trials, now completed, “a transformation of the psyche”. MDMA-assisted psychotherapy has “breakthrough therapy” designation by the FDA. “Since the MDMA therapy I’m able to recognise when something comes up that I need to talk about,” [McCourry] says. McCourry hopes that the therapy will be adopted by the Veterans Administration and Department of Defense. “If you can cure PTSD after three sessions of MDMA therapy then you don’t have to provide a veteran with medications for the rest of their life and talk therapy once a month.”
Note: A touching 26-documentary on this case is available at the above link. Articles like this suggest that the healing potentials of mind-altering drugs are gaining mainstream scientific credibility.
The Pentagon has failed what is being called its first-ever comprehensive audit, a senior official said on Thursday, finding U.S. Defense Department accounting discrepancies that could take years to resolve. Results of the inspection - conducted by some 1,200 auditors and examining financial accounting on a wide range of spending including on weapons systems, military personnel and property - were expected to be completed later in the day. We failed the audit, but we never expected to pass it, Deputy Secretary of Defense Patrick Shanahan told reporters, adding that the findings showed the need for greater discipline in financial matters within the Pentagon. It was an audit on a $2.7 trillion dollar organization, so the fact that we did the audit is substantial, Shanahan added. The U.S. defense budget for the 2018 fiscal year that ended on Sept. 30 was about $700 billion. He did not provide a figure detailing how much money was unaccounted for in the audit. Some of the compliance issues are irritating to me, Shanahan added. A 1990 federal law mandated that U.S. government agencies be audited, but the Pentagon had not faced a comprehensive audit until this one was launched in December. Defense officials and outside experts have said it may be years before the Pentagon is able to fix its accounting gaps and errors and pass an audit.
Note: Read a 2017 article documenting an investigation which found $21 Trillion missing from government coffers. Then read summaries of several major media articles showing the Pentagon's blatant lies and disregard for accounting. For more along these lines, see concise summaries of deeply revealing military corruption news articles from reliable major media sources.
Spending hours on smartphones and tablet devices has frequently been linked to exacerbating mental wellbeing, but new research claims the damage might start in users as young as two. After just one hour of screen time, children and adolescents may have less curiosity, lower self-control and lower emotional stability, which can lead to an increased risk of anxiety and depression, claims a US study published in the journal Preventive Medicine Reports. The researchers found that those aged 14 to 17 are more at risk for such adverse effects, but noticed the correlations in younger children and toddlers, whose brains are still developing, as well. The study found that nursery school children who used screens frequently were twice as likely to lose their temper. It also claimed that nine per cent of those aged 11 to 13 who spent an hour a day on screens were not curious in learning new things, a figure which rose to 22.6 per cent for those whose screen time was seven hours a day or more. Authors Professor Jean Twenge, of San Diego State University, and Professor Keith Campbell, of the University of Georgia, said: "Half of mental health problems develop by adolescence. "Thus, there is an acute need to identify factors linked to mental health issues that are amenable to intervention in this population, as most antecedents are difficult or impossible to influence. "Compared to these more intractable antecedents of mental health, how children and adolescents spend their leisure time is more amenable to change."
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Psychologists at the University of Sussex, after analyzing the brain scans of over 1000 people who made kind decisions, are now able to say for sure that the warm glow of kindness is real. In fact, it exists in a particular place within your brain. For the first time, researchers were able to bring together previous studies that suggested generosity activates the brain's reward network. These scientists were able to differentiate between two types of kindness: altruistic (when there is nothing to be gained from being kind) and strategic (when an act of kindness can lead to something gained). The study's findings revealed ... something unique about altruistic acts of kindness. Being kind with no intent of personal gain not only activates the brain's reward areas, it also activates other brain regions (in the subgenal anterior cingulate cortex) as well. This means that when you act kind with no hope of gaining something in return, your brain will activate more and in different ways than when you are strategically kind. Acting strategically kind can even make you feel worse, and diminish your glow. Co-author of the study and PhD student Jo Cutler explains, "...if after a long day helping a friend move house, they hand you a fiver, you could end up feeling undervalued and less likely to help again. A hug and kind words however might spark a warm glow and make you feel appreciated." Ultimately, it does matter what the intent is behind kindness.
Note: The study described in the article above is available here. Explore a treasure trove of concise summaries of incredibly inspiring news articles which will inspire you to make a difference.
Researchers with UC San Diego’s Scripps Institution of Oceanography and Princeton University have walked back scientific findings published last month that showed oceans have been heating up dramatically faster than previously thought as a result of climate change. In a paper published Oct. 31 in the journal Nature, researchers found that ocean temperatures had warmed 60% more than outlined by the United Nations’ Intergovernmental Panel on Climate Change. However, the conclusion came under scrutiny after mathematician Nic Lewis, a critic of the scientific consensus around human-induced warming, posted a critique of the paper. “A quick review of the first page of the paper was sufficient to raise doubts as to the accuracy of its results,” [Lewis wrote]. Coauthor Ralph Keeling, a climate scientist at the Scripps Institution of Oceanography, took full blame. Keeling said he and his colleagues have redone the calculations, finding the ocean is still likely warmer than the estimate used by the IPCC. A correction has been submitted to the journal Nature.
Note: Climate change is possibly the most politicized topic out there. Both sides have exaggerated their claims so much that it's hard to know what is really true, other than that global warming is a reality in most parts of the planet. For more along these lines, see concise summaries of deeply revealing science corruption news articles from reliable major media sources.
There has been a remarkable global decline in the number of children women are having, say researchers. Their report found fertility rate falls meant nearly half of countries were now facing a "baby bust" - meaning there are insufficient children to maintain their population size. The researchers said ... there would be profound consequences for societies with "more grandparents than grandchildren". The study, published in the Lancet, followed trends in every country from 1950 to 2017. In 1950, women were having an average of 4.7 children in their lifetime. The fertility rate all but halved to 2.4 children per woman by last year. But that masks huge variation between nations. The fertility rate in Niger, west Africa, is 7.1, but in the Mediterranean island of Cyprus women are having one child, on average. In the UK, the rate is 1.7, similar to most Western European countries. The total fertility rate is the average number of children a woman gives birth to in their lifetime. It's different to the birth rate which is the number of children born per thousand people each year. Whenever a country's rate drops below approximately 2.1 then populations will eventually start to shrink. At the start of the study, in 1950, there were zero nations in this position.
Note: World overpopulation is no longer considered a serious threat. For more on this and other inspiring stats, see this summary. Explore a treasure trove of concise summaries of incredibly inspiring news articles which will inspire you to make a difference.
Catholic Church leaders in Los Angeles for years shuffled predator priests into non-English-speaking immigrant communities. That pattern was revealed in personnel documents released in a decades-old legal settlement between victims of child sex abuse by Catholic priests and the Catholic Archdiocese of Los Angeles. Now clergy sex abuse victims throughout California are calling on the state's attorney general to investigate clergy abuse. [In] 2002 ... California had just removed the statute of limitations for child abuse victims. [Manuel] Barragan joined a lawsuit against the L.A. Archdiocese that eventually resulted in a $660 million settlement involving more than 500 abuse cases. "Not many regions around the country have had that," says attorney Tony DeMarco, who represented Barragan and has been representing clergy sex abuse survivors since. DeMarco says that settlement forced local Catholic officials to turn over thousands of pages of personnel files on accused priests. Those files showed how higher-ups repeatedly sent predators into communities where they knew people were less likely to speak up. "Blatant statements as to 'there is no need to take corrective action, because folks who were undocumented won't report,'" DeMarco says. "That's in some of these files." There are dozens of examples of immigrant communities thrown under the bus. "This is complete pattern," says Patrick Wall, a legal advocate who coined the term 'the geographic solution' to describe the church's actions.
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Yoga and meditation have increased in use among both U.S. adults and children in recent years, two new reports from the Centers for Disease Control and Prevention show, with the number of adults who had recently practiced yoga soaring by nearly 60 percent. In 2017, an estimated 35.2 million adults had put themselves in a downward-facing dog, lotus pose or other yoga position in the past 12 months, accounting for a 14.3 percent population share and up from 22.4 million (9.5 percent) in 2012. Women and adults between 18 and 44 were most likely to have recently practiced yoga in 2017. Meanwhile, a separate CDC report showed that the shares of children ages 4 to 17 who had practiced yoga or meditation each increased substantially. In 2012, an estimated 3.1 percent of children had done yoga in the past 12 months, compared with 8.4 percent in 2017. The estimated share of kids who had meditated recently increased nearly tenfold during that time frame, from 0.6 percent to 5.4 percent. "An increase in promoting yoga or promoting meditation in studios, gyms, et cetera, could play a role in ... more people using these approaches," says Tainya Clarke, an epidemiologist with the CDC's National Center for Health Statistics. Outpacing meditation and use of a chiropractor, yoga remained the most commonly used of the three "complementary health approaches" that were assessed. Still, the share who had meditated in the last year more than tripled between 2012 and 2017, from 4.1 percent to 14.2 percent.
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The number of girls undergoing female genital mutilation has fallen dramatically in east Africa over the past two decades, according to a study published in BMJ Global Health. The study, which looked at rates of FGM among girls aged 14 and under, suggests that prevalence in east Africa has dropped from 71.4% in 1995, to 8% in 2016. The reported falls in the rates of FGM are far greater than previous studies have suggested. The rates of FGM practised on children have fallen in north Africa, from 57.7% in 1990 to 14.1% in 2015. In west Africa, prevalence is also reported to have decreased from 73.6% in 1996 to 25.4% in 2017. The study aimed to assess if FGM awareness campaigns targeted at mothers had been successful. Unlike many other studies, older teenagers and adult women – who tend to have higher rates of FGM – were not included. The research developed estimates by pooling and comparing FGM data by proportion across countries and regions. The report did not examine the reasons why FGM rates had fallen, but said it was likely to have been driven by policy changes, national and international investment. National laws banning FGM have been introduced in 22 out of 28 practising African countries, according to the campaign group 28 Too Many. The report concluded that if the goal of eliminating FGM was to be reached, further efforts were urgently needed, including working with religious and community leaders, youth and health workers.
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There were historic firsts across the country on Tuesday night, as voters chose from a set of candidates that was among the most diverse ever to run in the United States. Native American, Muslim and African-American women, and L.G.B.T. candidates, were among those who broke barriers. In next year’s session of Congress, there will be at least 100 women in the House for the first time in history. Sharice Davids [is] the first lesbian Native American to be elected to the House and part of “a rainbow wave” of L.G.B.T. candidates in this year’s election. She has criticized the Republican tax bill and called for “a true tax cut for the middle class.” Ilhan Omar, a Democratic state legislator in Minnesota, and Rashida Tlaib, a Democratic former state legislator in Michigan, became the first Muslim women elected to Congress after winning their House races. Ms. Omar will also be the first Somali-American to serve in Congress. Ms. Tlaib, a Palestinian-American attorney, has championed Medicare for All, a $15 minimum wage and abolishing the federal agency Immigration and Customs Enforcement. Ayanna Pressley will become the first African-American woman to represent Massachusetts in Congress. She beat a 10-term incumbent in the Democratic primary and vowed to pursue “activist leadership” to advance a progressive agenda. Alexandria Ocasio-Cortez, 29, became the youngest woman elected to Congress. Like Ms. Pressley, she defeated a white male incumbent who had served 10 terms in a Democratic primary.
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The hole in the Earth's ozone layer is expected to fully heal within 50 years, climate change experts predict in a new UN report. A fragile shield of gas around the planet, the ozone layer protects animal and plant life from the powerful ultraviolet (UV) rays of the sun. When the ozone layer is weakened, more UV rays can get through, making humans more prone to skin cancer, cataracts and other diseases. Scientists discovered huge damage to the layer in the 1980s and identified chlorofluorocarbons, or CFCs, as the main culprit. CFCs used to be common in refrigerators, aerosol cans and dry-cleaning chemicals, but they were banned globally under the Montreal Protocol of 1987. The decline in CFCs in our atmosphere as a result of those measures now mean the ozone layer is expected to have fully recovered sometime in the 2060s, according to the report by the UN Environment Programme, World Meteorological Organization, European Commission and other bodies. In parts of the stratosphere, where most of the ozone is found, the layer has recovered at a rate of 1-3% per decade since 2000, the authors state. At the recovery rates projected by the UN report, the northern hemisphere and mid-latitude ozone is scheduled to heal completely by the 2030s, followed by the southern hemisphere in the 2050s and polar regions by 2060. Erik Solheim, head of UN Environment, described the Montreal Protocol as "one of the most successful multilateral agreements in history."
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A mysterious cigar-shaped object spotted tumbling through our solar system last year may have been an alien spacecraft sent to investigate Earth, astronomers from Harvard University have suggested. The object, nicknamed 'Oumuamua, meaning "a messenger that reaches out from the distant past" in Hawaiian, was discovered in October 2017 by the Pan-STARRS 1 telescope in Hawaii. Since its discovery, scientists have been at odds to explain its unusual features and precise origins, with researchers first calling it a comet and then an asteroid before finally deeming it the first of its kind: a new class of "interstellar objects." A new paper by researchers at the Harvard Smithsonian Center for Astrophysics raises the possibility that the elongated dark-red object, which is 10 times as long as it is wide and traveling at speeds of 196,000 mph, might ... be a fully operational probe sent intentionally to Earth vicinity by an alien civilization. The theory is based on the object's "excess acceleration," or its unexpected boost in speed as it traveled through and ultimately out of our solar system in January. "Considering an artificial origin, one possibility is that 'Oumuamua is a light sail, floating in interstellar space as a debris from an advanced technological equipment," wrote the paper's authors, suggesting that the object could be propelled by solar radiation.
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The capacity of renewable energy has overtaken that of fossil fuels in the UK for the first time, in a milestone that experts said would have been unthinkable a few years ago. In the past five years, the amount of renewable capacity has tripled while fossil fuels’ has fallen by one-third, as power stations reached the end of their life or became uneconomic. The result is that between July and September, the capacity of wind, solar, biomass and hydropower reached 41.9 gigawatts, exceeding the 41.2GW capacity of coal, gas and oil-fired power plants. Imperial College London, which compiled the figures, said the rate at which renewables had been built in the past few years was greater than the “dash for gas” in the 1990s. Dr Iain Staffell, who undertook the research, said: “Britain’s power system is slowly but surely walking away from fossil fuels, and this quarter saw a major milestone on the journey.” In terms of installed capacity, wind is the biggest source of renewables at more than 20GW, followed by solar spread across nearly 1m rooftops and in fields. Biomass is third. In the past year, coal capacity has fallen by one-quarter, and there are only six coal-fired plants left in the UK. Coal operators have been affected by the UK’s carbon tax on electricity generation, as well as competition from gas.
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This week, life sciences company COMPASS Pathways announced that it has received “Breakthrough Therapy” designation from the United States Food and Drug Administration for its psilocybin therapy aimed at individuals with treatment-resistant depression. Psilocybin, the main active ingredient in psychedelic mushrooms ... can alter one’s perception, thoughts and feelings or cause hallucinations. Researchers from Switzerland, the United Kingdom and the U.S. have been studying the therapy for many years. In fact, a study published in January found that the psychoactive compound helped revive emotional responsiveness in patients with treatment-resistant depression. Another showed that patients’ mental benefits after two psilocybin treatments lasted for weeks. COMPASS Pathways will begin running the first large-scale psilocybin clinical trial for treatment-resistant depression in Europe and North America within the next two years. "This is great news for patients,” COMPASS executive chairman George Goldsmith said. “We are excited to be taking this work forward with our clinical trial. The FDA will be working closely with us to expedite the development process and increase the chances of getting this treatment to people suffering with depression as quickly as possible.” While treatments such as antidepressants and psychotherapy exist, those with severe, treatment-resistant depression ... have trouble finding help. Approximately 100 million around the globe are affected by such treatment-resistant depression.
Note: In 2017, the psychoactive drug MDMA similarly received a "Breakthrough Therapy" designation from the FDA for the promise it shows in treating PTSD. Articles like this suggest that the healing potentials of mind-altering drugs are gaining mainstream scientific credibility.
Dogs have such exquisitely sensitive noses that they can detect bombs, drugs, citrus and other contraband in luggage or pockets. Is it possible that they can sniff out even malaria? And when might that be useful? A small pilot study has shown that dogs can accurately identify socks worn overnight by children infected with malaria parasites even when the children had cases so mild that they were not feverish. In itself, such canine prowess is not surprising. Since 2004, dogs have shown that they can detect bladder cancer in urine samples, lung cancer in breath samples and ovarian cancer in blood samples. Trained dogs now warn owners with diabetes when their blood sugar has dropped dangerously low and owners with epilepsy when they are on the verge of a seizure. Other dogs are being taught to detect Parkinsons disease years before symptoms appear. The new study ... does not mean that dogs will replace laboratories. But for sorting through crowds, malaria-sniffing dogs could potentially be very useful. Some countries and regions that have eliminated the disease share heavily trafficked borders with others that have not. For example, South Africa, Sri Lanka and the island of Zanzibar have no cases but get streams of visitors from Mozambique, India and mainland Tanzania. And when a region is close to eliminating malaria, dogs could sweep through villages, nosing out silent carriers people who are not ill but have parasites in their blood that mosquitoes could pass on to others.
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Over time, the CIA upper echelon has secretly developed all kinds of policy statements and legal rationales to justify routine, widespread surveillance on U.S. soil of citizens who arent suspected of terrorism or being a spy. Newly declassified documents from 2014 ... reveal the CIA not only intercepted emails of U.S. citizens but they were emails of the most sensitive kind written to Congress and involving whistleblowers reporting alleged wrongdoing within the Intelligence Community. The disclosures, kept secret until now, are two letters of congressional notification from the Intelligence Community inspector general at the time, Charles McCullough. He stated that during routine counterintelligence monitoring of government computer systems, the CIA collected emails between congressional staff and the CIAs head of whistleblowing and source protection. McCullough added that he was concerned about the CIAs potential compromise to whistleblower confidentiality and the consequent chilling effect. The March 2014 intercepts ... happened amid whats widely referred to as the Obama administrations war on whistleblowers and mass surveillance scandals. The evidence points to bad actors targeting candidate Donald Trump and his associates in part to keep them - and us - from learning about and digging into an even bigger scandal: our Intelligence Community increasingly spying on its own citizens, journalists, members of Congress and political enemies for the better part of two decades.
Note: The above article was written by Emmy award winning investigative journalist and former news anchor for CBS and CNN Sharyl Attkisson. She has been attacked numerous times for investigating too deeply into the lives of certain politicians. Her top-selling book Stonewalled describes her fight for truth against powerful political forces. For more along these lines, see concise summaries of deeply revealing news articles on intelligence agency corruption and the disappearance of privacy.
Important Note: Explore our full index to key excerpts of revealing major media news articles on several dozen engaging topics. And don't miss amazing excerpts from 20 of the most revealing news articles ever published.