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No country for old business owners: Economic shifts create a growing challenge for America’s aging entrepreneurs

Nancy Forster-Holt

(The Conversation is an independent and nonprofit source of news, analysis and commentary from academic experts.)

Nancy Forster-Holt, University of Rhode Island

(THE CONVERSATION) Americans love small businesses. We dedicate a week each year to applauding them, and spend Small Business Saturday shopping locally. Yet hiding in plain sight is an enormous challenge facing small business owners as they age: retiring with dignity and foresight. The current economic climate is making this even more difficult.

As a professor who studies aging and business, I’ve long viewed small business owners’ retirement challenges as a looming crisis. The issue is now front and center for millions of entrepreneurs approaching retirement. Small enterprises make up more than half of all privately held U.S. companies, and for many of their owners, the business is their retirement plan.

But while owners often hope to finance their golden years by selling their companies, only 20% of small businesses are ready for sale even in good times, according to the Exit Planning Institute. And right now, conditions are far from ideal. An economic stew of inflation, supply chain instability and high borrowing costs means that interest from potential buyers is cooling.

For many business owners, retirement isn’t a distant concern. In the U.S., baby boomers – who are currently 61 to 79 years old – own about 2.3 million businesses. Altogether, they generate about US$5 billion in revenue and employ almost 25 million people. These entrepreneurs have spent decades building businesses that often are deeply rooted in their communities. They don’t have time to ride out economic chaos, and their optimism is at a 50-year low.

New policies, new challenges

You can’t blame them for being gloomy. Recent policy shifts have only made life harder for business owners nearing retirement. Trade instability, whipsawing tariff announcements and disrupted supply chains have eroded already thin margins. Some businesses – generally larger ones with more negotiating power – are absorbing extra costs rather than passing them on to shoppers. Others have no choice but to raise prices, to customers’ dismay. Inflation has further squeezed profits.

At the same time, with a few notableexceptions, buyers and capital have grown scarce. Acquirers and liquidity have dried up across many sectors. The secondary market – a barometer of broader investor appetite – now sees more sellers than buyers. These are textbook symptoms of a “flight to safety,” a market shift that drags out sale timelines and depresses valuations – all while Main Street business owners age out. These entrepreneurs typically have one shot at retirement – if any.

Adding to these woes, many small businesses are part of what economists call regional “clusters,” providing services to nearby universities, hospitals and local governments. When those anchor institutions face budget cuts – as is happening now – small business vendors are often the first to feel the impact.

Research shows that many aging owners actually double down in weak economic times, sinking increasing amounts of time and money in a psychological pattern known as “escalating commitment.” The result is a troubling phenomenon scholars refer to as “benign entrapment.” Aging entrepreneurs can remain attached to their businesses not because they want to, but because they see no viable exit.

This growing crisis isn’t about bad personal planning — it’s a systemic failure.

Rewriting the playbook on small business policy

A key mistake that policymakers make is to lump all small business owners together into one group. That causes them to overlook important differences. After all, a 68-year-old carpenter trying to retire doesn’t have much in common with a 28-year-old tech founder pitching a startup. Policymakers may cheer for high-growth “unicorns,” but they often overlook the “cows and horses” that keep local economies running.

Even among older business owners, circumstances vary based on local conditions. Two retiring carpenters in different towns may face vastly different prospects based on the strength of their local economies. No business, and no business owner, exists in a vacuum.

Relatedly, when small businesses fail to transition, it can have consequences for the local economy. Without a buyer, many enterprises will simply shut down. And while closures can be long-planned and thoughtful, when a business closes suddenly, it’s not just the owner who loses. Employees are left scrambling for work. Suppliers lose contracts. Communities lose essential services.

Four ways to help aging entrepreneurs

That’s why I think policymakers should reimagine how they support small businesses, especially owners nearing the end of their careers.

First, small business policy should be tailored to age. A retirement-ready business shouldn’t be judged solely by its growth potential. Rather, policies should recognize stability and community value as markers of success. The U.S. Small Business Administration and regional agencies can provide resources specifically for retirement planning that starts early in a business’s life, to include how to increase the value of the business and a plan to attract acquirers in later stages.

Second, exit infrastructure should be built into local entrepreneurial ecosystems. Entrepreneurial ecosystems are built to support business entry – think incubators and accelerators – but not for exit. In other words, just like there are accelerators for launching businesses, there should be programs to support winding them down. These could include confidential peer forums, retirement-readiness clinics, succession matchmaking platforms and flexible financing options for acquisition.

Third, chaos isn’t good for anybody. Fluctuations in capital gains taxes, estate tax thresholds and tariffs make planning difficult and reduce business value in the eyes of potential buyers. Stability encourages confidence on both sides of a transaction.

And finally, policymakers should include ripple-effect analysis in budget decisions. When universities, hospitals or governments cut spending, small business vendors often absorb much of the shock. Policymakers should account for these downstream impacts when shaping local and federal budgets.

If we want to truly support small businesses and their owners, it’s important to honor the lifetime arc of entrepreneurship – not just the launch and growth, but the retirement, too.

This article is republished from The Conversation under a Creative Commons license. Read the original article here: https://theconversation.com/no-country-for-old-business-owners-economic-shifts-create-a-growing-challenge-for-americas-aging-entrepreneurs-254537.

FILE: Motorists driving into and out of downtown Rochester, where many small businesses thrive. (Stephen Frye / MediaNews Group)

Diversifying the special education teacher workforce could benefit US schools

Elizabeth Bettini

(The Conversation is an independent and nonprofit source of news, analysis and commentary from academic experts.)

Elizabeth Bettini, Boston University; LaRon A. Scott, University of Virginia, and Tuan D. Nguyen, University of Missouri-Columbia

(THE CONVERSATION) Teachers of color positively impact all students, including students of color with disabilities. Yet, the special education teacher workforce is overwhelmingly white.

In our recent research, we found that special education teacher demographics are not keeping pace with changes in the student population.

In 2012, about 80% of U.S. public school teachers were white, including about 80% of special education teachers, while less than 20% were teachers of color. By contrast, in the same year, students of color constituted 47% of those diagnosed with disabilities.

In our recent study, we examined whether these numbers have changed. Analyzing multiple national datasets on the teacher workforce, we found the proportion of special education teachers of color has been static, even as the student population is rapidly becoming more diverse.

So, the special education teacher workforce is actually becoming less representative of the student population over time. Specifically, in 2012, 16.5% of special education teachers were people of color, compared with 17.1% in 2021. In that same span, the share of students with disabilities who are students of color rose from 47.3% in 2012 to 53.9% in 2021.

In fact, for the special education teacher workforce to become representative of the student population, U.S. schools would need to triple the number of special education teachers of color.

As scholars who studyteacher recruitment and retention and teacher working conditions, we are concerned that this disparity will affect the quality of education students receive.

Why does a diverse teacher workforce matter?

For children of color, the research is clear: Teachers of color are, on average, more effective than white teachers in providing positive educational experiences and outcomes for students of color, including students of color with disabilities.

One study found that low-income Black male students who had one Black teacher in third, fourth or fifth grade were 39% less likely to drop out of high school and 29% more likely to enroll in college.

Moreover, teachers of color are just as effective as white teachers – and sometimes more effective – in teaching white students.

Providing pathways

The U.S. has institutions dedicated to attracting and retaining educators of color: Programs at historically Black colleges and universities, Hispanic-serving institutions and other minority-serving institutions prepare a substantial number of new teachers of color annually.

Further, many local initiatives support educators of color and attract teachers who might not otherwise have opportunities to join the profession.

These include: Grow Your Own programs that recruit effective teachers of color from local communities, teacher residency programs that help schools retain teachers of color, andscholarships and loan forgiveness programs that support all teachers, including teachers of color.

However, the U.S. educator workforce faces broad challenges with declining interest in the teaching profession and declining enrollment in teacher preparation programs. In this context, our findings indicate that without significant investments, the teacher workforce is likely to remain predominately white – at significant cost to students with disabilities.

Anti-DEI movement cuts funding

While there have been long-standing challenges, recent steps taken by the Trump administration could limit efforts to boost teacher diversity.

In its push to end diversity, equity and inclusion programs, the administration has cut grant funding for programs designed to develop a diverse educator workforce.

The administration has also cut millions of dollars dedicated to training teachers to work in underfunded, high-poverty schools and has threatened additional funding cuts to universities engaging in equity-based work.

These federal actions make the teacher workforce less adept at addressing the substantial challenges facing U.S. schools, such as declining interest in the teaching profession and and persistent racial disparities in student outcomes.

Given the strong evidence of the benefits of teachers of color and the national trends that our research uncovered, federal and state investments should prioritize supporting prospective teachers of color.

This article is republished from The Conversation under a Creative Commons license. Read the original article here: https://theconversation.com/diversifying-the-special-education-teacher-workforce-could-benefit-us-schools-254916.

File photo. (Stephen Frye / MediaNews Group)

Home-state favorite Chase Elliott passes Brad Keselowski on final lap to win NASCAR Atlanta race

HAMPTON, Ga. (AP) — Home-state favorite Chase Elliott passed Brad Keselowski on the final lap and won the the crash-filled NASCAR Cup Series at Atlanta on Saturday night for his 20th career victory.

Elliott, the popular driver from Dawsonville, Georgia, earned a spot in the NASCAR playoffs with his first victory since April 2024 at Texas. It was his first win in Atlanta since 2022.

“I’ve never in my whole life, this is unbelievable,” Elliott said. “This is something I’ll remember the rest of my life.”

Keselowski was second, followed by Elliott’s Hendrick Motorsports Chevrolet teammate, Alex Bowman, and Tyler Reddick. Bowman helped block Keselowski following Elliott’s last-lap pass.

“The 48 and 9 just got together,” Keselowski said, referring to Bowman and Elliott. “… At they end they were able to double-team me.”

Elliott climbed into the stands to celebrate with fans after ending a 44-race winless streak.

“I’m happy for the 9 team,” Bowman said. “It’s a big win for him in his hometown. … I’m glad to have a Hendrick car in victory lane. I wish it was us.”

The race’s second crash early in Stage 2 took out many of the sport’s biggest names and left others with damaged cars. Pole-winner Joey Logano, who led the first 36 laps before light rain forced the first caution, was among the many drivers caught up in the big crash.

Among others knocked out of the race: William Byron, Austin Cindric, Ross Chastain, Josh Berry, Corey LaJoie and Daniel Suarez.

“It wrecked the whole field,” Logano said. “I still don’t know exactly how it started … but it was total chaos. Cars were sideways and on the brakes. I got hit from every corner possible.”

Added Denny Hamlin, who suffered damage to his Toyota in the crash: “Some zigged. Some zagged. Most crashed.”

The Atlanta race at EchoPark Speedway, formerly known as Atlanta Motor Speedway, was the debut of the 32-driver In-Season Challenge, a five-race, bracket-style tournament.

The parade of highly regarded drivers to be knocked out so early in the race showed the perils of trying to pick NASCAR winners on a March Madness-style bracket sheet. The top two seeds were among the early casualties.

Hamlin, the No. 1 seed in the tournament, finished 31st and lost to Ty Dillon, who finished eighth.

Chase Briscoe, who held off Hamlin for his first win for Joe Gibbs Racing last week at Pocono Raceway, was the No. 2 seed before being knocked out in a crash and losing to Noah Gragson in the tournament.

A $1 million prize awaits the winner as part of a new media rights deal that includes TNT.

Elliott and Keselowski were on the front row when a caution with 33 laps to go forced a decision on whether to pit for fresh tires. Both stayed on the track and Elliott faded following the restart until making his decisive charge at the very end.

Bracket busters

Ryan Blaney, the race favorite according to BetMGM Sportsbook, was knocked out on a wreck late in the first stage. Christopher Bell hit the wall, triggering the crash that ended the stage with Cindric in the lead.

Cindric was involved in the bigger crash early in Stage 2. Kyle Busch, Denny Hamlin and Bubba Wallace were among others involved in the crash.

Photo finish

Tyler Reddick beat Elliott to the finish line by .001 seconds to win Stage 2 in a battle between drivers looking for both their first stage win and overall win of the season.

Weather woes

Lightning and rain delayed qualifying Friday and the Xfinity race won by Nick Sanchez late Friday night. More lightning and rain threatened Saturday night’s race. Fans were encouraged to leave the stands about 90 minutes before the race due to severe weather in the area but were allowed to return as pre-race were conducted as planned.

Up next

The Cup Series moves to Chicago for the Chicago Street Race on Sunday, July 6.

— By CHARLES ODUM, Associated Press

Driver Chase Elliott celebrates in Victory Lane after winning a NASCAR Cup Series auto race, Saturday, June 28, 2025, in Hampton, Ga. (AP Photo/Butch Dill)

Dave Parker, hard-hitting Hall of Fame outfielder nicknamed ‘the Cobra,’ dies at 74

PITTSBURGH (AP) — Dave Parker, a hard-hitting outfielder who was set to be inducted into the Baseball Hall of Fame next month, has died, the Pittsburgh Pirates announced Saturday. He was 74.

No further details about Parker’s death were immediately available. The Pirates informed the crowd of his death just before the start of their game against the New York Mets and held a moment of silence.

Nicknamed “the Cobra,” the 6-foot-5 Parker made his major league debut in 1973 and played 19 seasons, 11 for the Pirates. He was the NL MVP in 1978, won a World Series with Pittsburgh a year later and then won another championship in 1989 with the Oakland Athletics.

“All of us who grew up in the ’70s remember how special Dave was,” Pirates owner Bob Nutting said in a statement. “He had a big personality and his passing has left a bigger void for all who knew him. Our hearts go out to his wife, Kellye, and his family.”

Parker won NL batting titles in 1977 and ’78. He finished his career as a .290 hitter with 339 homers and 1,493 RBIs. He also played for Cincinnati, Milwaukee, the California Angels and Toronto.

Parker was elected to the Hall of Fame by a special committee in December. The induction ceremony in Cooperstown, New York, is set for July 27.

“We join the baseball family in remembering Dave Parker. His legacy will be one of courage and leadership, matched only by his outstanding accomplishments on the field,” Hall chairman Jane Forbes Clark said. “His election to the Hall of Fame in December brought great joy to him, his family and all the fans who marveled at his remarkable abilities.”

Born on June 9, 1951 in Grenada, Mississippi, Parker grew up in Cincinnati and was a three-sport star at Courter Tech High School.

After playing for Pittsburgh from 1973-83, he signed with his hometown Reds and spent four seasons with the club. In 1985 he led the NL with 125 RBIs and was second in the MVP voting.

“He was such a big dude at a time when there weren’t that many ‘6-foot-5, 230-pound, dynamic defender, batting champion with power’ guys,” Hall of Famer and Reds teammate Barry Larkin said. “Everything about him was impressive.”

In a statement, the Reds said: “Dave was a towering figure on the field, in the clubhouse and in the Cincinnati community, where his baseball journey began, playing on the fields near his home and going to games at Crosley Field. Dave’s impact on the game and this franchise will never be forgotten.”

Parker was diagnosed with Parkinson’s disease in 2012.

He told reporters that he burst into tears upon learning of his selection to the Hall of Fame.

“Yeah, I cried,” Parker said after receiving the news. “It only took a few minutes, because I don’t cry.”

Parker homered for the A’s in the 1989 World Series opener and took credit for helping the Bash Brothers of Jose Canseco and Mark McGwire take the title with a four-game sweep of San Francisco.

“All of us throughout the game are deeply saddened by this loss,” baseball Commissioner Rob Manfred said in a statement. “We will remember the Cobra forever, especially as his name soon officially joins the legends of our national pastime.”

Pirates veteran and 2013 NL MVP Andrew McCutchen paid tribute to Parker after Pittsburgh beat the New York Mets 9-2.

“He had to be like Superman to people when he was playing,” McCutchen said. “He was larger than life on the field and had a larger-than-life personality, too.”

Parker was a seven-time All-Star and three-time Gold Glove right fielder, and when he retired after the 1991 season, he was one of only five players with at least 500 doubles, 300 homers, 150 stolen bases and 2,700 hits.

“I was a five-tool player. I could do them all,” Parker said after his Hall selection. “I never trotted to first base. I don’t know if people noticed that, but I ran hard on every play.”

— By JOHN PERROTTO, Associated Press

FILE – Dave Parker, a member of the 1979 Pittsburgh Pirates World Championship team, tips his cap during a pre-game ceremony honoring the team before a baseball game between the Pittsburgh Pirates and the Philadelphia Phillies in Pittsburgh, Saturday, July 20, 2019. (AP Photo/Gene J. Puskar, File)

Today in History: June 29, Apple releases the first iPhone to consumers

Today is Sunday, June 29, the 180th day of 2025. There are 185 days left in the year.

Today in history:

On June 29, 2007, the first version of the iPhone went on sale to the public; over 2.3 billion iPhones have been sold to date.

Also on this date:

In 1520, Montezuma II, the ninth and last emperor of the Aztecs, died in Tenochtitlan (tay-nohch-TEET’-lahn) under unclear circumstances (some say he was killed by his own subjects; others, by the Spanish).

In 1613, London’s original Globe Theatre, where many of Shakespeare’s plays were performed, was destroyed by a fire sparked by a cannon shot during a performance of “Henry VIII.”

In 1767, Britain approved the Townshend Revenue Act, which imposed import duties on glass, paint, oil, lead, paper and tea shipped to the American colonies. (Colonists bitterly protested, prompting Parliament to repeal the duties on each of the products — except for tea.)

In 1776, the Virginia state constitution was adopted, and Patrick Henry was made the state’s governor.

In 1967, Jerusalem was reunified as Israel removed barricades separating the Old City from the Israeli sector.

In 1970, the United States ended a two-month military offensive into Cambodia.

In 1995, the U.S. space shuttle Atlantis docked with Russia’s Mir space station as they orbited the earth.

In 2006, the Supreme Court ruled, 5-3, that President George W. Bush’s plan to try Guantanamo Bay detainees in military tribunals violated U.S. and international law.

In 2009, disgraced financier Bernard Madoff received a 150-year sentence for his multibillion-dollar fraud. (Madoff died in prison in April 2021.)

In 2022, R. Kelly was sentenced to 30 years in prison for using his R&B superstardom to subject young fans to sexual abuse. The singer and songwriter was convicted of racketeering and sex trafficking the previous year.

Today’s Birthdays:

  • Songwriter L. Russell Brown is 85.
  • Singer-songwriter Garland Jeffreys is 82.
  • Actor Gary Busey is 81.
  • Former actor and politician Fred Grandy is 77.
  • Rock musician Ian Paice (Deep Purple) is 77.
  • Singer Don Dokken is 72.
  • Rock singer Colin Hay (Men At Work) is 72.
  • Actor Maria Conchita Alonso is 70.
  • Actor Sharon Lawrence (“NYPD Blue”) is 64.
  • Actor Amanda Donohoe is 63.
  • Actor Judith Hoag is 62.
  • Violinist Anne-Sophie Mutter is 62.
  • Producer-writer Matthew Weiner is 60.
  • Actor Melora Hardin is 58.
  • Actor Brian D’Arcy James is 57.
  • Rap DJ and record producer DJ Shadow is 53.
  • Actor Zuleikha Robinson is 48.
  • Rock musician Sam Farrar (Maroon 5) is 47.
  • Actor Luke Kirby is 47.
  • Singer and TV personality Nicole Scherzinger is 47.
  • Comedian-writer Colin Jost is 43.
  • Actor Lily Rabe is 43.
  • NBA forward Kawhi Leonard is 34.
  • Actor Camila Mendes (TV: “Riverdale”) is 31.
  • Soccer player Jude Bellingham is 22.

NEW YORK – JUNE 29: Spectators gather to watch the first iPhone go on sale at Apple’s flagship store on Fifth Avenue on June 29, 2007 in New York City. Hype for the iPhone, which costs $499 or $599, has driven demand into overdrive as it was released at 6:00 p.m. today nationwide. (Photo by Michael Nagle/Getty Images)

12-year-old arrested in connection with auto thefts from Pontiac business

By The Detroit News

A 12-year-old boy has been arrested in connection with a series of auto thefts from a Pontiac business.

The boy entered numerous vehicles in the business’ parking lot and was carrying a license plate when he was apprehended, a release from the Oakland County Sheriff’s Office said.

Through their investigation, detectives learned the boy had taken three or four vehicles over the past month, selling at least one of them for $30, the release said.

“This young man is on a very bad path, attempting to live his own grand theft auto,” Oakland County Sheriff Michael Bouchard said in the release Saturday. “Hopefully intervention by the courts will send him on a better life path as well as stopping the constant theft from this business.”

The boy is being held in Oakland County Children’s Village. The case remains under investigation.

Oakland County Sheriffs Office.

Swedish forward, Slovakian goalie lead Red Wings’ Day 2 draft haul

DETROIT — Every NHL team is excited this weekend, after the completion of the Entry Draft, with their accumulation of talent into the organization.

The Red Wings are no different.

Starting with drafting forward Carter Bear Friday in the first round, and leading into adding seven players Saturday, the Wings feel they’ve infused the organization with promising depth.

“Just good prospects,” general manager Steve Yzerman said. “We don’t necessarily draft by position. We always try to, at least at this stage and where we’re at, still trying to get the best prospects. We’re excited about Carter in the first round, a player that fits into the type of player that’ll fit in well for us, a left shot left winger.

“The remainder of the group, our scouts feel good about it. We were able to get a couple defenseman, several forwards, another big goaltender. We were able to address some needs in terms of depth in the prospect pool and we’ll try to do our best and be patient and develop them and help them along the way to be professional players and hopefully play for the Red Wings.”

The way the Florida Panthers have won two consecutive Stanley Cups, with a style of hard-nosed, competitive, hard-hitting hockey, but blending that with offensive skill, is a framework the rest of the NHL is trying to copy.

The Wings have been accumulating those types of players for several drafts.

“We want to continue to draft and bring in prospects that can skate, can think the game and are competitive and be tough players to play against,” said Kris Draper, director of amateur scouting. “Two hundred (foot), complete hockey players.”

The Red Wings opened Saturday selecting that type of player in Sweden’s Eddie Genborg in the second round.

Drafting 44th overall, the Wings took the 6-foot-2, 196-pound Genborg, a skilled, power forward winger who scored 19 goals and added 15 assists in 28 games for Linkoping.

Genborg is projected as a physical forward who is strong on the forecheck and is effective around the net and along the walls. Scouts also like his intelligence on the ice.

“Watching playoff hockey the last two months, the one thing that sticks out is how hard it is to play and compete,” Draper said. “The teams that were able to be successful and go on a run, they had guys who could skate, be hard to play against and be responsible hockey players. We think that Eddie will bring that for us.”

Draper relayed a story about how the Wings ask players at the NHL combine if you could take a teammate or two with you to the NHL, who would it be?

“It was unanimous, the guys on the Swedish (national) team wanted to play with Eddie,” Draper said. “He’s a big, strong kid who can really skate and be physical on the forecheck, a guy who is tough to play against. We just like the intensity he’s able to bring.”

The Wings had two consecutive picks in the third round but only used one.

They grabbed goaltender Michal Pradel, from Tri-City (USHL) with the 75th overall pick, then traded the 76th pick to Columbus for pick No. 109 (fourth round) and Columbus’ fourth-round pick in 2026.

Pradel (6-5, 198), from Slovakia, played 14 games in Tri-City (9-4-0, 2.41 GAA, .899 SVS). Pradel has the size to track pucks through screens, even in scramble mode, and he’s played well in pressure situations.

Pradel joins a growing stable of goaltending prospects the Wings possess, including Sebastian Cossa, Trey Augustine and Rudy Guimond.

“It’ll sort itself out over time,” said Draper, noting new regulations in junior and NCAA hockey that allows more development time. “We wanted to draft a goaltender and bring them into the prospect pool. Michal Pradel was someone we saw a lot of and loved his size and athleticism.”

In the fourth round, the Wings took right wing Brent Solomon, with the Columbus pick acquired in the previous round.

Solomon mainly played high school hockey in Minnesota last season, scoring 94 points in 49 games for two teams. Solomon had six points (four goals) in eight games with Sioux Falls (USHL) to end the season.

Solomon (5-11, 165) is committed to play collegiately at Wisconsin, after Sioux Falls this season.

“Right shot natural goal scorer, with a real good release,” Draper said. “We like his ability to score goals. He did real well at the high school level and he got off to a hot start in the USHL which was something you like to see.”

With their second fourth-round pick, the Wings took Michal Svrcek at 119th overall.

At 5-10 and 178 pounds, Svrcek is a competitive winger who had 30 points (14 goals) in 30 games with Brynas in Sweden. Svrcek isn’t big physically, but scouts rave about his energy and ability to swarm opponents. Despite his size, Svrcek doesn’t shy away from hitting and loves to forecheck.

“We really like, and you’ll probably hear this a lot, the skating and compete, and the puck skills he has,” Draper said. “He plays a lot bigger than he is. When you sit there and think about names and players (at this stage in the draft), we decided to go with Michal and we’re excited to have him.”

Russian defenseman Nikita Tyurin was the Wings’ fifth-round selection, at 140th overall.

Tyurin is a 6-foot, 174-pound offensive defenseman who had four goals and 16 assists in 50 games for Spartak Moskva in Russia’s junior league. Wings’ Russian scout Nikolai Vakourov led the charge to draft Tyurin.

“Nikolai kept saying what a great playoff he (Tyurin) had,” Draper said. “He’s a good skater, good hockey sense, good with the puck and good first pass defenseman. When you’re sitting there and in the later rounds, and one of the area scouts is excited about a player, that’s what I want to hear.”

Defenseman Will Murphy was the Wings’ pick in the sixth round (172nd overall).

A 6-4, 205-pound defensive defenseman with Cape Breton (QMJHL), Murphy had four points (two goals) in 54 games. Murphy knows how to use his size and length, protects the area in front of his net, and can play a physical game.

“Big stay at home defensive defenseman,” Draper said. “The physicality and toughness is something we felt at the time, where we were (in the draft), we wanted to bring into the organization. He’s a character kid, the type of teammate that will do everything he can to stick up for his teammates.”

The Wings ended the day by grabbing center Grayden Robertson-Palmer (5-foot-10, 181-pounds) in the seventh round (No. 204 overall). Robertson-Palmer has a strong body with a strong shot and had 39 points in 30 games playing at Phillips Andover Academy (Massachusetts). He’ll play in Moncton (QMJHL) next season.

“He’s solid kid, thick build, competitive kid who can really skate,” Draper said. “He can really skate and we like the way he plays the game, and the intensity he plays the game with.”

Detroit traded its second seventh-round selection (No. 211) to Calgary for the Flames’ seventh-round pick in 2026.

Red Wings general manager Steve Yzerman speaks during an end-of-season news conference at Little Caesars Arena on Tuesday, April 29, 2025. (DAVID GURALNICK — The Detroit News)

Seeking first LPGA Tour victories, Schmelzel and Valenzuela team to take Dow Championship lead

MIDLAND, Mich. (AP) — Sarah Schmelzel and Albane Valenzuela took the third-round lead Saturday in the Dow Championship, shooting a 2-under 68 in alternate-shot play to move into position for their first LPGA Tour victories.

Schmelzel and Valenzuela had a 13-under 197 total at Midland Country Cup heading into the better-ball final round. They opened with an alternate-shot 68 on Thursday and had a best-ball 61 on Friday.

“You’re kind of on pins and needles most of the day, just hoping you don’t get your partner in trouble,” Schmelzel said. “Just super solid. I feel like we had really good attitudes throughout the entire day. I think both of us took every single shot as it came.”

The teams of Jin Hee Im-Somi Lee (68) and Manon De Roey-Pauline Roussin-Bouchard (69) were a stroke back.

“I’m very proud of us,” De Roey said. “We hung in there. We fought until the end.”

Jennifer Kupcho and Leona Maguire, the second-round leaders after a 60, birdied the final two holes for a 72 that left them tied for fourth at 11 under with Lauren Hartlage-Brooke Matthews (66) and Sung Hyun Park-Ina Yoon (67) . Kupcho won in 2022 with Lizette Salas.

“Just try and go low and try and post a number early and see what happens.” Maguire said. “I think it was nice to see two putts go in at the end.”

Lexi Thompson-Meghan Kang (68) and Rio Takeda-Miyu Yamashita (67) were 10 under.

Defending champions Ruoning Yin and Jeeno Thitikul, both among the top five in the women’s world ranking, were 9 under after a 67.

Schmelzel and Valenzuela parred the final seven holes. They had four birdies and two bogeys in the round.

“I feel like we had a really good day,” Valenzuela said. “Our goal in foursomes was just to get a couple under or maybe a little bit better. We had a few mistakes, and that’s going to happen in this format. We also did a lot of really good stuff.”

Sarah Schmelzel hits from the bunker on the fifth hole during the fourth round of the U.S. Women’s Open golf tournament at Erin Hills Sunday, June 1, 2025, in Erin, Wis. (JEFF ROBERSON — AP Photo, file)

Aldrich Potgieter, PGA Tour’s youngest player and biggest hitter, leads Rocket Classic by 2 strokes

DETROIT (AP) — Aldrich Potgieter, standing on the practice green at Detroit Golf Club, said the most challenging part of his life was moving to Australia when he was 8 and returning to South Africa at age 17 because the COVID-19 pandemic limited his opportunities to compete.

Potgieter is about to face another test.

The PGA Tour’s youngest player and biggest hitter is going into the final round of the Rocket Classic with a two-shot lead, hoping to hold off a pack of players, including Collin Morikawa, for his first victory on the circuit.

“The leaderboard’s so stacked,” Potgieter said after he had five straight birdies in a 7-under 65 to surge into the lead Saturday.

The 20-year-old tour rookie started the week averaging 326.6 yards off the tee — several yards longer than Rory McIlroy — and credits his multi-sport childhood.

“I played a lot of sports, rugby, wrestling,” the 5-foot-11, 211-pound Potgieter said. “Kind of did everything as a kid. Didn’t just focus on golf, so that kind of helped me build that strong foundation.”

Max Greyserman (66), Jake Knapp (66), Mark Hubbard (67), Andrew Putnam (67) and Chris Kirk (69) were two shots back. Three more players were another stroke behind.

“As long as you’re kind of hanging around on Sunday, that’s what counts,” Greyserman said.

Collin Morikawa, the highest-ranked player in the field at No. 5 in the world, shot a 68 to start the final round four shots back. Two years ago in Detroit, he was outlasted by Rickie Fowler in a playoff. Morikawa, a two-time major champion, has not won on the tour since October 2023 at the Zozo Championship in Japan.

“Look, I know what’s at stake,” Morikawa said. “I want to find a way to get it done.”

In a nod to his native country, Potgieter’s white golf shoes have the South African flag on the outside of his heels.

He won the British Amateur at the age of 17 and became the youngest Korn Ferry Tour winner last year, paving the way for him to become the second-youngest player to earn a PGA Tour card through the minor league just after his 20th birthday. The youngest was Jason Day, who was 19 in 2007.

Potgieter was in a position to win earlier this year.

He lost a playoff at the Mexico Open in February, when Brian Campbell got a big break when his tee shot on the second extra hole went off tree and back in play. He missed the next four cuts and and seven of eight before he was tied for sixth at the Charles Schwab Challenge last month in his last PGA Tour start last month.

While the Detroit Golf Club is one of the easiest courses on the PGA Tour, it will likely be challenging for the world’s 123rd-ranked player to hold off the competition.

Potgieter’s driver certainly gives him a shot, but he also flashed some of his finesse during his birdie streak on the front nine in the third round.

He opened with a birdie on a 35-foot shot from a bunker. His approach on the par-5 seventh was buried in the rough, pin high and 78 feet to the right of the cup. He lofted the ball past the hole and it rolled back toward it, setting up an eight-foot birdie putt.

At the 372-yard, par-4 eighth hole, he waited for Kevin Roy and Michael Thorbjornsen to exit the green because he was going for it.

Potgieter pulled out his driver and sent the ball over towering trees and through the green before it finally rested in the rough 374 yards from the tee. He went on to make an 11-foot putt for his fifth straight birdie and sixth of the afternoon to help him shoot a 30 on the front nine for a two-shot lead.

He cooled off on the back nine with a birdie at No. 13 and lipping out on a 7-foot putt at the 14th, missing a chance to birdie the par 5, and closed with five pars in a row.

“That front nine really helped me to get through,” Potgieter said. “A lot of par saves on this back nine.”

Aldrich Potgieter, of South Africa, putts on the eighth hole during the first round of the Rocket Classic golf tournament at the Detroit Golf Club, Thursday, June 26, 2025, in Detroit. (AP Photo/Paul Sancya)

Zach McKinstry and Riley Greene both hit homers in Tigers’ 10-5 win over the Twins

DETROIT (AP) — Zach McKinstry had three hits, including one of Detroit’s four home runs, and the Tigers went on to beat the Twins 10-5 on Saturday afternoon.

Riley Greene, Kerry Carpenter and Gleyber Torres also homered for the Tigers.

Casey Mize (8-2) gave up two runs on five hits and one walk in 6 2/3 innings. He struck out five as he improved to 5-0 with a 2.00 ERA in six starts at home this season.

Bailey Ober (4-6) took the loss, allowing seven runs on 11 hits, including all four home runs. He walked one and struck out five.

The Tigers took a 1-0 lead in the second when Spencer Torkelson doubled and scored on a sacrifice fly. After Minnesota went ahead 2-1 on Buxton’s two-run homer in the third, Detroit tied the game in the bottom of the inning on Carpenter’s homer.

Colt Keith made it 3-2 in the fourth with a sacrifice fly and Torres followed with a two-run homer.

Greene led off the fifth with Detroit’s third home run to move the lead to 6-2, and McKinstry’s lead-off homer in the sixth made it a five-run game.

Carlos Correa hit a two-run homer in the eighth, but Wenceel Pérez hit a two-run double in the bottom of the inning.

Key moment

The Twins nearly took the lead in the second inning, but Carpenter leaped to keep a fly ball from Ryan Jeffers from clearing the left field fence.

Key stat

Buxton homered and stole a base in the same game for the 15th time, tying Gary Gaetti for third place on the Twins career list.

Up next

The teams finish the three-game series in the first Sunday night game at Comerica Park since 2017. Twins RHP Chris Paddock (3-6, 4.64) faces Tigers ace LHP Tarik Skubal (9-2, 2.29), who is 9-0 in his last 14 starts.

Detroit Tigers’ Kerry Carpenter, right, is congratulated by third base coach Joey Cora after hitting a home run during the third inning of a baseball game against the Minnesota Twins, Saturday, June 28, 2025, in Detroit. (AP Photo/Jose Juarez)

A rundown of recent Trump administration vaccine policy changes

The Trump administration continued to reshape U.S. health policy in recent days with several moves that could change what vaccines people can get to protect themselves from common illnesses.

Some of the changes are immediate, others are still being discussed, and Health Secretary Robert F. Kennedy Jr. must still sign off on some.

Doctors’ groups have expressed alarm at the moves made by Kennedy, a longtime anti-vaccine activist, and his appointees, who at times have ignored well-established science. Nearly 80 medical groups, including the American Medical Association, issued a statement backing vaccines against common respiratory ailments as “among the best tools to protect the public.”

“We come together as physicians from every corner of medicine to reaffirm our commitment to these lifesaving vaccines,” the groups wrote.

Here’s what to know about some of the recent vaccine policy changes:

Flu shots and thimerosal

On Thursday, a vaccine advisory group handpicked by Kennedy recommended that just about every American get a flu shot this fall.

But the group also said people should avoid shots containing thimerosal, a preservative used only in large multi-dose vials that has been proven to be safe. The ingredient isn’t used in single-dose flu shots, the type of syringe used for about 95% of U.S. flu shots last season.

Status: Kennedy must sign off on the recommendations. Read more AP coverage here.

How to get a COVID-19 shot

Universal access to updated COVID-19 shots for the fall remains unclear, even after Kennedy’s vaccine advisers were shown data showing how well the vaccines are working.

Kennedy changed CDC guidance last month, saying the shots are no longer recommended for healthy children and pregnant women — even though doctors groups disagree. And the Food and Drug Administration has moved to limit COVID-19 vaccinations among healthy people under age 65.

Status: Upcoming advisory meetings, regulatory decisions and policies from insurers and employers are likely to influence access. Read more AP coverage here.

Expanded warnings on COVID-19 vaccine labels

At the request of the FDA, makers of the two leading COVID-19 vaccines on Wednesday expanded existing warnings about a rare heart side effect mainly seen in young men.

Prescribing information from both Pfizer and Moderna had already advised doctors about rare cases of myocarditis, a type of heart inflammation that is usually mild. The FDA had asked the drugmakers to add more detail about the problem and to cover a larger group of patients.

Status: Labels are being updated now. Read more AP coverage here.

Changes considered for the childhood vaccine schedule

On Wednesday, Kennedy’s vaccine advisers said they would be evaluating the “cumulative effect” of the children’s vaccine schedule — the list of immunizations given at different times throughout childhood.

The announcement reflected vaccine skeptics’ messaging: that too many shots may overwhelm kids’ immune systems. Scientists say those claims have been repeatedly investigated with no signs of concern.

The American Academy of Pediatrics said it would continue publishing its own vaccine schedule for children but now will do so independently of the government advisory panel, calling it “no longer a credible process.”

Status: The examination is in its early stages. Read more AP coverage here.


The Associated Press Health and Science Department receives support from the Howard Hughes Medical Institute’s Department of Science Education and the Robert Wood Johnson Foundation. The AP is solely responsible for all content.

Secretary of Health and Human Services Robert F. Kennedy Jr., testifies during a House Energy and Commerce Committee, Tuesday, June 24, 2025, in Washington. (AP Photo/Mariam Zuhaib)

California governor sues Fox News over alleged defamation in story about call with Trump

By OLGA R. RODRIGUEZ, Associated Press

SAN FRANCISCO (AP) — California Gov. Gavin Newsom sued Fox News on Friday over alleged defamation, saying the network knowingly aired false information about a phone call he had with President Donald Trump around the time the National Guard was sent Los Angeles.

The lawsuit alleges Fox News anchor Jesse Watters edited out key information from a clip of Trump talking about calling Newsom, then used the edited video to assert that Newsom had lied about the two talking.

Newsom is asking for $787 million in punitive damages in his lawsuit filed in Delaware court where Fox is incorporated. That’s the same amount Fox agreed to pay in 2023 to settle a defamation lawsuit by Dominion Voting Systems. The company said Fox had repeatedly aired false allegations that its equipment had switched votes from Donald Trump to Joe Biden during the 2020 election, and the discovery process of the lawsuit revealed Fox’s efforts not to alienate conservatives in the network’s audience in the wake of Biden’s victory.

“If Fox News wants to lie to the American people on Donald Trump’s behalf, it should face consequences — just like it did in the Dominion case,” Newsom said in a statement. “I believe the American people should be able to trust the information they receive from a major news outlet.”

He asked a judge to order Fox News to stop broadcasting “the false, deceptive, and fraudulent video and accompanying statements” that Newsom said falsely say he lied about when he had spoken to Trump regarding the situation in Los Angeles, where protests erupted on June 6 over Trump’s immigration crackdown.

Fox News called the lawsuit “frivolous.”

“Gov. Newsom’s transparent publicity stunt is frivolous and designed to chill free speech critical of him. We will defend this case vigorously and look forward to it being dismissed,” the company said in a statement.

The law makes it difficult to prove defamation, but some cases result in settlements and, no matter the disposition, can tie up news outlets in expensive legal fights.

Particularly since taking office a second time, Trump has been aggressive in going after news organizations he feels has wronged him. He’s involved in settlement talks over his lawsuit against CBS News about a “60 Minutes” interview last fall with Democratic opponent Kamala Harris. This week, Trump’s lawyers threatened a lawsuit against CNN and The New York Times over their reporting of an initial assessment of damage to Iran’s nuclear program from a U.S. bombing.

Newsom’s lawsuit centers on the details of a phone call with the president.

Both Newsom and the White House have said the two spoke late at night on June 6 in California, which was already June 7 on the East Coast. Though the content of the call is not part of the lawsuit, Newsom has said the two never discussed Trump’s plan to deploy the National Guard, which he announced the next day. Trump said the deployment was necessary to protect federal buildings from people protesting increased immigration arrests.

Trump later announced he would also deploy Marines to the area.

On June 10, when 700 Marines arrived in the Los Angeles area, Trump told reporters he had spoken to Newsom “a day ago” about his decision to send troops. That day, Newsom posted on X that there had been no call.

“There was no call. Not even a voicemail,” Newsom wrote.

On the evening of June 10, the Watters Primetime show played a clip of Trump’s statement about his call with Newsom but removed Trump’s comment that the call was “a day ago,” the lawsuit said. Watters also referred to call logs another Fox News reporter had posted online showing the phone call the two had on June 6.

“Why would Newsom lie and claim Trump never called him? Why would he do that?” Watters asked on air, according to the lawsuit. The segment included text across the bottom of the screen that said “Gavin Lied About Trump’s Call.”

Newsom’s suit argues that by editing the material, Fox “maliciously lied as a means to sabotage informed national discussion.”

Precise details about when the call happened are important because the days when Trump deployed the Guard to Los Angeles despite Newsom’s opposition “represented an unprecedented moment,” Newsom’s lawyers wrote in a letter to Fox demanding a retraction and on-air apology.

“History was occurring in real time. It is precisely why reporters asked President Trump the very question that prompted this matter: when did he last speak with Governor Newsom,” the letter said.

Associated Press journalist David Bauder contributed to this report.

FILE – Gov. Gavin Newsom speaks after U.S. District Judge Charles Breyer granted an emergency temporary restraining order to stop President Trump’s deployment of the California National Guard, Thursday, June 12, 2025, at the California State Supreme Court building in San Francisco. (Santiago Mejia/San Francisco Chronicle via AP, File)

Republican plan for nationwide private school vouchers deemed in violation of Senate rules

By COLLIN BINKLEY, Associated Press

WASHINGTON (AP) — A Republican plan to expand private school vouchers nationwide was dealt a major setback Friday when the Senate parliamentarian said the proposal would run afoul of procedural rules.

The years-in-the-making plan would have created a federal tax credit supporting scholarships to help families send their children to private schools or other options beyond their local public schools. But in an overnight announcement, the Senate parliamentarian advised against including the proposal in President Donald Trump’s tax cut and spending bill.

It added to mounting problems for Republicans as key proposals were deemed ineligible for the filibuster-proof reconciliation package. The parliamentarian’s rulings are advisory but are rarely, if ever, ignored. It’s unclear if Republicans will try to rewrite the provisions or simply drop them from the bill.

Another education plan deemed ineligible for reconciliation would have exempted religious colleges from a federal endowment tax. The proposal sought to raise the tax rate on wealthier colleges’ endowments while carving out religious institutions like Hillsdale College, a conservative, Christian school in Michigan and an ally of the Trump administration.

Oregon Sen. Jeff Merkley, the top Democrat on the Senate Budget Committee, said, “We have been successful in removing parts of this bill that hurt families and workers, but the process is not over, and Democrats are continuing to make the case against every provision in this Big, Beautiful Betrayal of a bill that violates Senate rules.”

School voucher provision had been seen as a win for supporters

The school voucher provision was seen as a breakthrough victory for proponents who have been pushing the idea for years. A similar plan failed to gain support from Congress in 2019 when it was championed by Betsy DeVos, the education secretary during Trump’s first term. Campaigning for his second term, Trump again promised to deliver some form of “universal school choice.”

Under the reconciliation plan, donors who gave money or stock to K-12 scholarship programs would receive 100% of the contribution back in the form of a discount on their tax bills. It would allow stock holders to avoid paying taxes they would usually face if they donated or transferred their stock.

Nearly all families would qualify to receive scholarships except those making more than three times their area’s median income.

A House version of the bill allowed up to $5 billion in tax credits a year, running through 2029. The Senate version reduced it to $4 billion but included no end date.

Supporters said the proposal would expand education options for families across the country, offering alternatives to students in areas with lower-performing public schools. Opponents said it would siphon money from public schools and open the door for fraud and abuse.

Republican-led states have similar programs

Similar scholarship and voucher programs have proliferated in Republican-led states such as Texas, which recently passed a $1 billion program. States have increasingly offered vouchers to families beyond only the neediest ones, contributing to budget concerns as expenses rapidly pile up.

The Senate’s college endowment proposal sought to raise a tax on schools’ investment income, from 1.4% now to 4% or 8% depending on their wealth. It would apply only to colleges with endowments of at least $500,000 per student, and it excluded all religious institutions. It would have exempted a small number of colleges, including Hillsdale, which lobbied against it.

Some small colleges that would have been hit hard by the proposal are now hopeful that Republicans will carve out an exemption for all smaller schools.

“The religious schools exemption showed senators were concerned about the endowment tax hike’s impact on small colleges,” said Lori White, president of DePauw University, a private liberal arts school in Indiana. “After the parliamentarian’s rulings, the best way to protect those and other small institutions from that impact is now to exempt all colleges with fewer than 5,000 undergraduate students.”


The Associated Press’ education coverage receives financial support from multiple private foundations. The AP is solely responsible for all content. Find the AP’s standards for working with philanthropies, a list of supporters and funded coverage areas at AP.org.

The office of Senate Parliamentarian Elizabeth MacDonough is seen at the Capitol in Washington, Friday, June 27, 2025. (AP Photo/J. Scott Applewhite)

The government cuts key data used in hurricane forecasting, and experts sound an alarm

By ALEXA ST. JOHN, Associated Press

Weather experts are warning that hurricane forecasts will be severely hampered by the upcoming cutoff of key data from U.S. Department of Defense satellites, the latest Trump administration move with potential consequences for the quality of forecasting.

The National Oceanic and Atmospheric Administration said it would discontinue the “ingest, processing and distribution” of data collected by three weather satellites that the agency jointly runs with the Defense Department. The data is used by scientists, researchers and forecasters, including at the National Hurricane Center.

It wasn’t immediately clear why the government planned to cut off the Defense Meteorological Satellite Program’s microwave data by Monday. The Defense Department referred questions to the Air Force, which referred them to the Navy, which did not immediately provide comment. NOAA did not immediately respond to a message.

Unlike traditional weather satellites, the microwave data helps peer under a regular image of a hurricane or a tropical cyclone to see what is going on inside the storm, and it is especially helpful at night.

The news is especially noteworthy during the ongoing hurricane season and as lesser storms have become more frequent, deadly and costly as climate change is worsened by the burning of fossil fuels.

Microwave imagery allows researchers and forecasters to see the center of the storm. Experts say that can help in detecting the rapid intensification of storms and in more accurately plotting the likely path of dangerous weather.

“If a hurricane, let’s say, is approaching the Gulf Coast, it’s a day away from making landfall, it’s nighttime,” said Union of Concerned Scientists science fellow Marc Alessi. “We will no longer be able to say, OK, this storm is definitely undergoing rapid intensification, we need to update our forecasts to reflect that.”

Other microwave data will be available but only roughly half as much, hurricane specialist Michael Lowry said in a blog post. He said that greatly increases the odds that forecasters will miss rapid intensification, underestimate intensity or misplace the storm.

That “will severely impede and degrade hurricane forecasts for this season and beyond, affecting tens of millions of Americans who live along its hurricane-prone shorelines,” he said.

University of Miami hurricane researcher Brian McNoldy called the loss of data “alarmingly bad news” in a post on Bluesky.

“Microwave data are already relatively sparse, so any loss — even gradual as satellites or instruments fail — is a big deal; but to abruptly end three active functioning satellites is insanity.”

NOAA and its National Weather Service office have been the target of several cuts and changes in President Donald Trump’s second term. The Department of Government Efficiency gutted the agency’s workforce, local field offices and funding.

Already, hurricane forecasts were anticipated to be less accurate this year because weather balloons launches have been curtailed because of the lack of staffing.

“What happened this week is another attempt by the Trump administration to sabotage our weather and climate infrastructure,” Alessi said.

Alexa St. John is an Associated Press climate reporter. Follow her on X: @alexa_stjohn. Reach her at ast.john@ap.org.


The Associated Press’ climate and environmental coverage receives financial support from multiple private foundations. AP is solely responsible for all content. Find AP’s standards for working with philanthropies, a list of supporters and funded coverage areas at AP.org.

FILE – A property owner, who preferred not to give his name, peers into the remains of the second floor unit where he lived with his wife while renting out the other units, on Manasota Key, in Englewood, Fla., following the passage of Hurricane Milton, Oct. 13, 2024. (AP Photo/Rebecca Blackwell, File)

Music history is littered with projects planned, anticipated, even completed — and then scrapped

By DAVID BAUDER, AP Entertainment Writer

NEW YORK (AP) — The idea that Bruce Springsteen wrote, recorded and ultimately shelved entire albums of music may seem odd to the casual listener. Why put yourself through all that work for nothing?

Yet “lost albums” are embedded in music industry lore. Some were literally lost. Some remained unfinished or unreleased because of tragedy, shortsighted executives or creators who were perfectionist — or had short attention spans.

Often, the music is eventually made public, like Springsteen is doing now, although out of context from the times in which it was originally made.

So in honor of Springsteen’s 83-song “Tracks II: The Lost Albums” box set being released Friday, The Associated Press has collected 10 examples of albums that were meant to be but weren’t.

FILE - The Beach Boys, from left, Al Jardine, Carl Wilson, Brian Wilson and Mike Love, hold their trophies after being inducted into the Rock 'n' Roll Hall of Fame in New York, Jan. 21, 1988. (AP Photo/Ron Frehm, File)
FILE – The Beach Boys, from left, Al Jardine, Carl Wilson, Brian Wilson and Mike Love, hold their trophies after being inducted into the Rock ‘n’ Roll Hall of Fame in New York, Jan. 21, 1988. (AP Photo/Ron Frehm, File)

“Smile,” The Beach Boys

Back in the news with the death of Brian Wilson, this album “invented the category of the lost masterpiece in popular music,” says Anthony DeCurtis, contributing editor at Rolling Stone. Some of the material that surfaced suggested Wilson, the Beach Boys’ chief writer, was well on his way: the majestic single “Good Vibrations,” the centerpiece “Heroes and Villains” and the reflective “Surf’s Up.” Wilson succumbed to internal competitive pressure worsened by mental illness and drug abuse while making it in 1966 and 1967, eventually aborting the project. He later finished it as a solo album backed by the Wondermints in 2004. The better-known songs were joined with some psychedelic-era curios that displayed Wilson’s melodic sense and matchless ability as a vocal arranger, along with lyrics that some fellow Beach Boys worried were too “out there.”

FILE - Prince performs at the Forum in Inglewood, Calif., on Feb. 18, 1985. (AP Photo/Liu Heung Shing, File)
FILE – Prince performs at the Forum in Inglewood, Calif., on Feb. 18, 1985. (AP Photo/Liu Heung Shing, File)

“The Black Album,” Prince

The mercurial Prince pulled back this disc, set for release in December 1987, at the last minute. Some promo copies had already slipped out, and it was so widely bootlegged that when Warner Bros. officially put it out in limited release in 1994, the company billed it as “The Legendary Black Album.” Encased in an all-black sleeve, the project was said to be Prince’s nod to Black fans who may have felt they had lost him to a pop audience. It’s almost nonstop funk, including a lascivious Cindy Crawford tribute and the workout “Superfunkycalifragisexy.” The maestro’s instincts were well-placed, though. Coming after “Sign O’ the Times” — arguably his peak — this would have felt like a minor project.

FILE - Members of Green Day, from left, Billie Joe Armstrong,, Tre Cool and Mike Dirnt pose in their hotel room in Toronto on Sept. 23, 2004. (Adrian Wyld/The Canadian Press via AP, File)
FILE – Members of Green Day, from left, Billie Joe Armstrong,, Tre Cool and Mike Dirnt pose in their hotel room in Toronto on Sept. 23, 2004. (Adrian Wyld/The Canadian Press via AP, File)

“Cigarettes and Valentines,” Green Day

Written and recorded in 2003, Green Day’s “Cigarettes and Valentines” was actually lost; someone apparently stole the master tapes. Feeling on a creative roll, the rock trio decided against recreating what they’d done and pressed on with new material. Smart move. The result was “American Idiot,” the band’s best work. Perhaps the robbery was “just a sign that we made a crappy record and we should make a better one,” songwriter Billie Joe Armstrong told MTV. The title cut later surfaced on a 2010 live album. The rest was lost to time.

FILE - Dr. Dre poses for a photo at Le Meridien Hotel in Beverly Hills, Calif., on Nov. 12, 2001. (AP Photo/Chris Pizzello, File)
FILE – Dr. Dre poses for a photo at Le Meridien Hotel in Beverly Hills, Calif., on Nov. 12, 2001. (AP Photo/Chris Pizzello, File)

“Detox,” Dr. Dre

To say anticipation was high for Dr. Dre’s third album when he started recording in 2002 puts it mildly. The theme disc about a hitman, which Dre described as a “hip-hop musical,” had an all-star squad of contributors including Eminem, 50 Cent, Mary J. Blige, Busta Rhymes and Kendrick Lamar. “I’d describe it as the most advanced rap album musically and lyrically we’ll probably ever have a chance to listen to,” co-producer Scott Storch told MTV. But we never have. When he announced a different third album in 2015, Dre explained on his radio show what happened to “Detox”: “I didn’t like it. It wasn’t good. … I worked my ass off on it, and I don’t think I did a good enough job.”

FILE - Jimi Hendrix performs on tour at the Rheinhalle in Dusseldorf, Germany on Jan. 14, 1969. (AP Photo/Hinninger, File)
FILE – Jimi Hendrix performs on tour at the Rheinhalle in Dusseldorf, Germany on Jan. 14, 1969. (AP Photo/Hinninger, File)

“Black Gold,” Jimi Hendrix

A series of unfinished demos, “Black Gold” was a taste of where guitar god Jimi Hendrix might have gone creatively if he hadn’t died at 27 in 1970. He was composing a song suite about an animated Black superhero, says Tom Maxwell, whose podcast “Shelved” unearths stories behind lost music. Hendrix sent a tape of his work to longtime drummer Mitch Mitchell for advice on fleshing it out. That music was set aside at Mitchell’s home and forgotten for two decades after Hendrix died. To date, Hendrix’s estate has made only one of these recordings public, a song called “Suddenly November Morning.” Hendrix, after clearing his throat, slips in and out of falsetto while accompanying himself on an acoustic guitar.

FILE - Yoko Ono performs during a charity concert at Madison Square Garden in New York on Aug. 30, 1972. (AP Photo/Dave Pickoff, File
FILE – Yoko Ono performs during a charity concert at Madison Square Garden in New York on Aug. 30, 1972. (AP Photo/Dave Pickoff, File

“A Story,” Yoko Ono

Written while Yoko Ono was separated from John Lennon during his infamous “lost weekend” in 1973-74, “A Story” had the potential of changing the musical narrative around her. It was a strong album — without the avant-garde stylings that made Ono a challenge for mainstream listeners — recorded with musicians who worked on Lennon’s “Walls & Bridges.” Maxwell calls it “an emancipation manifesto” that was set aside when Ono reconciled with Lennon. She’s never publicly explained why, Maxwell says, although one song seems clearly about an affair she had while Lennon was away. Some of the material from “A Story” was included as part of the “Onobox” project that came out in 1992, and the album was released separately in 1997. Ono also re-recorded some of its songs in 1980, and Lennon was holding a tape of her composition “It Happened” when he was shot and killed. In it, she sings about an unspecified, seemingly traumatic event: “It happened at a time of my life when I least expected.” That wasn’t even the most chilling premonition. Her song “O’Oh” ended with firecrackers that sound like gunshots. It was left off the 1997 release.

FILE – Guns N’ Roses, from left, Michael “Duff” McKagan, Dizzy Reed, Axl Rose, Saul “Slash” Hudson and Matt Sorum, accept the Michael Jackson Video Vanguard Award at the MTV Video Music Awards in Los Angeles on Sept. 9, 1992. (AP Photo/Kevork Djansezian, File)

“Chinese Democracy,” Guns N’ Roses

Guns N’ Roses was at the top of the hard rock world when they began recording a new album in 1994. It didn’t go well. Inconclusive sessions slogged on for years, and all but singer Axl Rose left the group. Recording costs exceeded a staggering $13 million, by some accounts the most expensive rock album ever. One witness told The New York Times in 2005: “What Axl wanted to do was to make the best record that had ever been made. It’s an impossible task. You could go on indefinitely, which is what they’ve done.” When “Chinese Democracy” was finally released in 2008, the world yawned.

FILE – Marvin Gaye, winner of Favorite Soul/R&B Single, “Sexual Healing,” attends the American Music Awards in Los Angeles on Jan. 17, 1983. (AP Photo/Doug Pizac, File)

“Love Man,” Marvin Gaye

Not even a decade after the triumph of “What’s Going On,” Marvin Gaye was floundering. His “Here, My Dear” divorce album flopped, he struggled with drugs and searched for relevance in the disco era. The single “Ego Tripping Out,” meant to herald a new album, laid bare the problems: Over a melody cribbed from Donna Summer’s “Hot Stuff,” the famously cool “Love Man” boasted like an insecure rapper. He scrapped the album, repurposing some its material for the 1981 disc “In Our Lifetime,” a process so fraught he bitterly left his longtime label Motown. Gaye went to CBS, made a huge comeback with “Sexual Healing,” then was shot dead by his father in 1984.

FILE - Neil Young performs during the Live Aid concert for famine relief at JFK Stadium in Philadelphia on July 13, 1985. (AP Photo/George Widman, File)
FILE – Neil Young performs during the Live Aid concert for famine relief at JFK Stadium in Philadelphia on July 13, 1985. (AP Photo/George Widman, File)

“Homegrown,” Neil Young

Neil Young rivals Prince in the volume of material left in his vault, and he’s been systematically releasing much of it. The mostly acoustic “Homegrown” was recorded as 1974 bled into 1975, during Young’s breakup with actor Carrie Snodgress. Instead of releasing it in 1975, he put out another heartbreak album, the well-regarded “Tonight’s the Night,” about losing friends to drug abuse. When Young finally dropped “Homegrown” in 2020, he wrote in his blog, “Sometimes life hurts. This is the one that got away.”

FILE - Bruce Springsteen speaks to the audience during a concert with the E Street Band at the Olympic Stadium in Berlin, Germany, on June 11, 2025. (AP Photo/Markus Schreiber, File)
FILE – Bruce Springsteen speaks to the audience during a concert with the E Street Band at the Olympic Stadium in Berlin, Germany, on June 11, 2025. (AP Photo/Markus Schreiber, File)

“Streets of Philadelphia Sessions,” Bruce Springsteen

Of the discs included in Springsteen’s “Tracks II” set, this was reportedly the closest to being released, in the spring of 1995. After the success of the Oscar-winning song “Streets of Philadelphia,” Springsteen recorded an album in the same vein, with a synthesizer and West Coast rap-inspired drum loops setting the musical motif. Strikingly contemporary for its time, Springsteen ultimately felt it was too similar to previous releases dominated by dark stories about relationships. “I always put them away,” he said of his lost albums. “But I don’t throw them away.”

This image released by Sony Music shows cover art for “Tracks II: The Lost Albums” by Bruce Springsteen. (Sony Music via AP)

David Bauder writes about the intersection of media and entertainment for the AP. Follow him at http://x.com/dbauder and https://bsky.app/profile/dbauder.bsky.social.

FILE – Prince performs at the Forum in Inglewood, Calif., on Feb. 18, 1985. (AP Photo/Liu Heung Shing, File)

‘American’ foods are changing, but July 4 still revolves around the grill

For much of the last century of American history, barbecues and potlucks have dominated the Fourth of July feast-ivities.

Hot dogs and hamburgers accompany sides of macaroni and cheese, potato salad and watermelon slices in ecstatic union in backyards and front porches across the country. Coolers full of beer and soda crackle as the ice melts throughout the hot summer day. Ice-cream sandwiches, popsicles and pie await as the sun sets and fireworks light up the night.

But those aren’t the only kinds of American foods. Immigrants from other countries often celebrate their patriotism with twists on the classics, or other foods entirely.

And with its proximity to the Southwest, Colorado has a few of its own traditions for the patriotic holiday, including green and red chile, corn, beans and tortillas — foods eaten in Hispanic communities long before there was a Colorado or a Fourth of July.

In fact, anthropologist Carole Counihan documented Fourth of July foods in Colorado’s San Luis Valley in a report published in a 2009 anthology, The Globalization of Food. She observed special dishes such as posole, deviled eggs and pasta, noting the holiday is represented by dishes from all over the world with a heavy emphasis on grilled meats.

Below, a group of Denver chefs share their personal spreads for the Fourth of July. Some, like Munetoshi Taira at Sushi by Scratch and Manny Barella at Riot BBQ, which opened this year, weren’t born in the United States. Others, like Ni Nguyen of Sap Sua and Darren Chang at Pig and Tiger, are first-generation Americans. Lastly, one chef shares a recipe inspired by his annual travels to Italy for the Fourth.

The grill and the outdoors are what tie most of their respective menus together.

Chef Manny Barella looks at orders at The Regular on Thursday, May 1, 2025, in Denver Colorado. (Photo by Rebecca Slezak/Special to The Denver Post)
Chef Manny Barella looks at orders at The Regular on Thursday, May 1, 2025, in Denver Colorado. (Photo by Rebecca Slezak/Special to The Denver Post)

Manny Barella, Riot BBQ (2180 S. Delaware St.): “BBQ culture was a huge part of my upbringing in Monterrey, Mexico. Every gathering revolved around open-fire cooking and outdoor grilling. Tending to the grill on your own is a rite of passage. We celebrate the Fourth of July here in the U.S. by honoring those same grilling traditions. You can count on me having carne asada, ribs al pastor and grilled vegetables on the table. We also like to smoke chimichurri, a classic element of Monterrey cookouts thanks to the strong Argentine influence in our region.”

Erasmo “Ras” Casiano, Xiquita (500 E. 19th Ave.): “We go all out with a giant backyard BBQ that is exactly like the gatherings we had back in Mexico. We throw carne asada and chicken on the fire and make a bunch of salsas: salsa Mexicana, pico de gallo, salsa ranchera. And of course, fresh corn tortillas and rice. We wrap onions in aluminum and throw them in the fire. Once they are good and roasted we hit them with some lime juice. The day is all about great food and gathering with family and friends. That’s the best tradition of all.”

Darren Chang, Pig and Tiger (2200 California St.; opening this summer): “My dad grilled Taiwanese street corn every Fourth of July growing up in [Los Angeles]. Some of my best summer memories are standing around the grill and eagerly awaiting that first bite of succulent corn. At Pig and Tiger, our Taiwanese street corn starts with fresh Olathe corn. We use my dad’s original shacha sauce recipe (only difference is that we make it vegan), then we give it a dash of sweet soy for a perfectly savory-sweet bite.”

Pig and Tiger chefs Darren Chang and Travis Masar cook Taiwanese Street Corn at their apartment in Denver on Friday, June 6, 2025. (Photo by Hyoung Chang/The Denver Post)
Pig and Tiger chefs Darren Chang and Travis Masar cook Taiwanese Street Corn at their apartment in Denver on Friday, June 6, 2025. (Photo by Hyoung Chang/The Denver Post)

Anna and Anthony “Ni” Nguyen, Sap Sua (2550 E. Colfax Ave.): “Every year, we make BBQ pork skewers, Americana-style. We skewer quartered onions and bell peppers along with pork shoulder marinated in lemongrass. We still don’t miss out on the hot dogs, though! We throw them on the grill right alongside the pork shoulder and serve them with Vietnamese accouterments. Our favorite is bratwurst with our version of pickles: lacto-fermented garlic, baby eggplant, daikon, and carrot. It provides the perfect, briny, acid pop. Don’t forget the brown mustard.”

Munetoshi Taira, Sushi by Scratch Restaurants (1441 Larimer St.): “In my kitchen, I enjoy blending traditional American Independence Day dishes with Japanese flavors. For instance, I often prepare yakitori-style grilled meats alongside classic barbecue fare, and I like to incorporate ingredients like miso or shiso into familiar sides such as potato salad. This fusion not only honors the holiday but also reflects the harmonious blend of cultures that I cherish.”

Darrel Truett, Barolo Grill (3030 E. 6th Ave.): “For the past 15 years, I’ve spent the Fourth of July in Italy with the Barolo Grill team on our annual staff trip. One of the things I always look forward to on a hot day during that first week of July is Panzanella. It’s an Italian bread salad with mixed greens, tomatoes, cucumbers and toasted bread tossed in a beautiful red wine vinaigrette. And I usually make it when I come home from the trip — shortly after the Fourth of July — to offset all of the incredible food and wine we indulged in.”

Pig and Tiger chefs Travis Masar, left, and Darren Chang cook Taiwanese Street Corn at their apartment in Denver on Friday, June 6, 2025. (Photo by Hyoung Chang/The Denver Post)

Many older people embrace vaccines. Research is proving them right

By Paula Span, KFF Health News

Kim Beckham, an insurance agent in Victoria, Texas, had seen friends suffer so badly from shingles that she wanted to receive the first approved shingles vaccine as soon as it became available, even if she had to pay for it out-of-pocket.

Her doctor and several pharmacies turned her down because she was below the recommended age at the time, which was 60. So, in 2016, she celebrated her 60th birthday at her local CVS.

“I was there when they opened,” Beckham recalled. After getting her Zostavax shot, she said, “I felt really relieved.” She has since received the newer, more effective shingles vaccine, as well as a pneumonia shot, an RSV vaccine to guard against respiratory syncytial virus, annual flu shots and all recommended COVID-19 vaccinations.

Some older people are really eager to be vaccinated.

Robin Wolaner, 71, a retired publisher in Sausalito, California, has been known to badger friends who delay getting recommended shots, sending them relevant medical studies. “I’m sort of hectoring,” she acknowledged.

Deana Hendrickson, 66, who provides daily care for three young grandsons in Los Angeles, sought an additional MMR shot, though she was vaccinated against measles, mumps, and rubella as a child, in case her immunity to measles had waned.

For older adults who express more confidence in vaccine safety than younger groups, the past few months have brought welcome research. Studies have found important benefits from a newer vaccine and enhanced versions of older ones, and one vaccine may confer a major bonus that nobody foresaw.

The new studies are coming at a fraught political moment. The nation’s health secretary, Robert F. Kennedy Jr., has long disparaged certain vaccines, calling them unsafe and saying that the government officials who regulate them are compromised and corrupt.

On June 9, Kennedy fired a panel of scientific advisers to the Centers for Disease Control and Prevention, and later replaced them with some who have been skeptical of vaccines. But so far, Kennedy has not tried to curb access to the shots for older Americans.

The evidence that vaccines are beneficial remains overwhelming.

The phrase “Vaccines are not just for kids anymore” has become a favorite for William Schaffner, an infectious diseases specialist at Vanderbilt University Medical Center.

“The population over 65, which often suffers the worst impact of respiratory viruses and others, now has the benefit of vaccines that can prevent much of that serious illness,” he said.

Take influenza, which annually sends from 140,000 to 710,000 people to hospitals, most of them seniors, and is fatal to 10% of hospitalized older adults.

For about 15 years, the CDC has approved several enhanced flu vaccines for people 65 and older. More effective than the standard formulation, they either contain higher levels of the antigen that builds protection against the virus or incorporate an adjuvant that creates a stronger immune response. Or they’re recombinant vaccines, developed through a different method, with higher antigen levels.

In a meta-analysis in the Journal of the American Geriatrics Society, “all the enhanced vaccine products were superior to the standard dose for preventing hospitalizations,” said Rebecca Morgan, a health research methodologist at Case Western Reserve University and an author of the study.

Compared with the standard flu shot, the enhanced vaccines reduced the risk of hospitalization from the flu in older adults, by at least 11% and up to 18%. The CDC advises adults 65 and older to receive the enhanced vaccines, as many already do.

More good news: Vaccines to prevent respiratory syncytial virus in people 60 and older are performing admirably.

RSV is the most common cause of hospitalization for infants, and it also poses significant risks to older people. “Season in and season out,” Schaffner said, “it produces outbreaks of serious respiratory illness that rivals influenza.”

Because the FDA first approved an RSV vaccine in 2023, the 2023-24 season provided “the first opportunity to see it in a real-world context,” said Pauline Terebuh, an epidemiologist at Case Western Reserve School of Medicine and an author of a recent study in the journal JAMA Network Open.

In analyzing electronic health records for almost 800,000 patients, the researchers found the vaccines to be 75% effective against acute infection, meaning illness that was serious enough to send a patient to a health care provider.

The vaccines were 75% effective in preventing emergency room or urgent care visits, and 75% effective against hospitalization, both among those ages 60 to 74 and those older.

Immunocompromised patients, despite having a somewhat lower level of protection from the vaccine, will also benefit from it, Terebuh said. As for adverse effects, the study found a very low risk for Guillain-Barré syndrome, a rare condition that causes muscle weakness and that typically follows an infection, in about 11 cases per 1 million doses of vaccine. That, she said, “shouldn’t dissuade people.”

The CDC now recommends RSV vaccination for people 75 and older, and for those 60 to 74 if they’re at higher risk of severe illness (from, say, heart disease).

As data from the 2024-25 season becomes available, researchers hope to determine whether the vaccine will remain a one-and-done, or whether immunity will require repeated vaccination.

People 65 and up express the greatest confidence in vaccine safety of any adult group, a KFF survey found in April. More than 80% said they were “very “or “somewhat confident” about MMR, shingles, pneumonia, and flu shots.

Although the COVID vaccine drew lower support among all adults, more than two-thirds of older adults expressed confidence in its safety.

Even skeptics might become excited about one possible benefit of the shingles vaccine: This spring, Stanford researchers reported that over seven years, vaccination against shingles reduced the risk of dementia by 20%, a finding that made headlines.

Biases often undermine observational studies that compare vaccinated with unvaccinated groups. “People who are healthier and more health-motivated are the ones who get vaccinated,” said Pascal Geldsetzer, an epidemiologist at the Knight Initiative for Brain Resilience at Stanford and lead author of the study.

“It’s hard to know whether this is cause and effect,” he said, “or whether they’re less likely to develop dementia anyway.”

So the Stanford team took advantage of a “natural experiment” when the first shingles vaccine, Zostavax, was introduced in Wales. Health officials set a strict age cutoff: People who turned 80 on or before Sept. 1, 2013, weren’t eligible for vaccination, but those even slightly younger were eligible.

In the sample of nearly 300,000 adults whose birthdays fell close to either side of that date, almost half of the eligible group received the vaccine, but virtually nobody in the older group did.

“Just as in a randomized trial, these comparison groups should be similar in every way,” Geldsetzer explained. A substantial reduction in dementia diagnoses in the vaccine-eligible group, with a much stronger protective effect in women, therefore constitutes “more powerful and convincing evidence,” he said.

The team also found reduced rates of dementia after shingles vaccines were introduced in Australia and other countries. “We keep seeing this in one dataset after another,” Geldsetzer said.

In the United States, where a more potent vaccine, Shingrix, became available in 2017 and supplanted Zostavax, Oxford investigators found an even stronger effect.

By matching almost 104,000 older Americans who received a first dose of the new vaccine (full immunization requires two) with a group that had received the earlier formulation, they found delayed onset of dementia in the Shingrix group.

How a shingles vaccine might reduce dementia remains unexplained. Scientists have suggested that viruses themselves may contribute to dementia, so suppressing them could protect the brain. Perhaps the vaccine revs up the immune system in general or affects inflammation.

“I don’t think anybody knows,” said Paul Harrison, a psychiatrist at Oxford and a senior author of the study. But, he added, “I’m now convinced there’s something real here.”

Shingrix, now recommended for adults over 50, is 90% effective in preventing shingles and the lingering nerve pain that can result. In 2021, however, only 41% of adults 60 and older had received one dose of either shingles vaccine.

A connection to dementia will require further research, and Geldsetzer is trying to raise philanthropic funding for a clinical trial.

And “if you needed another reason to get this vaccine,” Schaffner said, “here it is.”

©2025 KFF Health News. Distributed by Tribune Content Agency, LLC.

Sal Dunn, of Columbia, Maryland, gets a COVID-19 vaccine during a vaccination clinic for people ages 75 and older at Howard Community College in Columbia on Feb. 10, 2021. (Dylan Slagle/Baltimore Sun/TNS)

Buy Now, Pay Later loans will soon affect some credit scores

By CORA LEWIS

NEW YORK (AP) — Hundreds of millions of ‘Buy Now, Pay Later’ loans will soon affect credit scores for millions of Americans who use the loans to buy clothing, furniture, concert tickets, and takeout.

Scoring company FICO said Monday that it is rolling out a new model that factors the short-term loans into their consumer scores. A majority of lenders use FICO scores to determine a borrower’s credit worthiness. Previously, the loans had been excluded, though Buy Now, Pay Later company Affirm began voluntarily reporting pay-in-four loans to Experian, a separate credit bureau, in April.

The new FICO scores will be available beginning in the fall, as an option for lenders to increase visibility into consumers’ repayment behavior, the company said. Still, not all Buy Now, Pay Later companies share their data with the credit bureaus, and not all lenders will opt in to using the new models, so widespread adoption could take time, according to Adam Rust, director of financial services at the nonprofit Consumer Federation of America.

Here’s what to know.

Why haven’t the loans appeared in credit scores previously?

Typically, when using Buy Now, Pay Later loans, consumers pay for a given purchase in four installments over six weeks, in a model more similar to layaway than to a traditional credit card. The loans are marketed as zero-interest, and most require no credit check or only a soft credit check.

The main three credit reporting bureaus, Experian, TransUnion, and Equifax, haven’t yet incorporated a standard way of including these new financial products in their reports, since they don’t adhere to existing models of lending and repayment. FICO, the score of the Fair Isaac Corporation, uses data from the bureaus to calculate its own credit score, and is independently choosing to pilot a new score that takes the loans into account.

Why is this important?

BNPL providers promote the plans as safer alternatives to credit cards, while consumer advocates warn about “loan stacking,” in which consumers take on many loans at once across several companies. So far, there’s been little visibility into this practice in the industry, and the opacity has led to warnings of “phantom debt” that could mask the health of the consumer.

In a statement, FICO said that their new credit score model is accounting for the growing significance of the loans in the U.S. credit ecosystem.

“Buy Now, Pay Later loans are playing an increasingly important role in consumers’ financial lives,” said Julie May, vice president and general manager of business-to-business scores at FICO. “We’re enabling lenders to more accurately evaluate credit readiness, especially for consumers whose first credit experience is through BNPL products.”

What does FICO hope to achieve?

FICO said the new model will responsibly expand access to credit. Many users of BNPL loans are younger consumers and consumers who may not have good or lengthy credit histories. In a joint study with Affirm, FICO trained its new scores on a sample of more than 500,000 BNPL borrowers and found that consumers with five or more loans typically saw their scores increase or remain stable under the new model.

For consumers who pay back their BNPL loans in a timely way, the new credit scoring model could help them improve their credit scores, increasing access to mortgages, car loans, and apartment rentals. Currently, the loans don’t typically contribute directly to improved scores, though missed payments can hurt or ding a score.

Since March, credit scores have declined steeply for millions, as student loan payments resume and many student borrowers find themselves unable to make regular payments on their federal student loans.

What are the risks and concerns?

Nadine Chabrier, senior policy and litigation counsel at the Center for Responsible Lending, said her main concern is that the integration of the loans into a score could have unexpected negative effects on people who are already credit-restrained.

“There isn’t a lot of information out there about how integrating BNPL into credit scoring will work out,” Chabrier said. “FICO simulated the effect on credit scoring through a study. They saw that some users’ scores increased. But if you factor in something that, last week, didn’t affect your credit, and this week, it does, without having very much information about the modeling, it’s a little hard to tell what the consequences will be.”

Chabrier cited research that’s shown that many BNPL users have revolving credit card balances, lower credit scores, delinquencies, and existing debt. Women of color are also more likely to use the loans, she said.

“This is a credit vulnerable community,” said Chabrier.

Will consumers see immediate effects?

Rust, of the Consumer Federation of America, said he doesn’t expect this to be a game-changer for consumers who already have a credit profile.

“Are we at a point where using BNPL loans will dramatically alter your credit profile? Probably not,” he said. “I think it’s important that people have reasonable expectations.”

Rust said the average BNPL loan is for $135, and that repaying such small loans, even consistently, might not result in changes to a credit score that would significantly move the needle.

“It’s not about going from 620 to 624. It’s about going from 620 to 780,” he said, referring to the kind of credit score jumps that affect one’s credit card offers, interest rates on loans, and the like.

Still, Rust said that increased transparency around the loans could create a more accurate picture of a consumer’s debts, which could improve accurate underwriting and keep consumers from over-extending themselves.

“This addresses the problem of ‘phantom debt,’ and that’s a good thing,” he said. “Because it could be something that keeps people from getting too deeply into debt they can’t afford.”

The Associated Press receives support from Charles Schwab Foundation for educational and explanatory reporting to improve financial literacy. The independent foundation is separate from Charles Schwab and Co. Inc. The AP is solely responsible for its journalism.

FILE – A woman walks by a sign “Buy now pay later” at a store in Bangalore, India, on Sept. 10, 2009. (AP Photo/Aijaz Rahi, File)

Democrats are trying to figure out what to do about John Fetterman. One of them is stepping up

By MARC LEVY

ENOLA, Pa. (AP) — Democratic Sen. John Fetterman of Pennsylvania isn’t even up for reelection until 2028, but already a one-time primary foe, former U.S. Rep. Conor Lamb, is crisscrossing Pennsylvania and social media, looking and sounding like he’s preparing to challenge Fetterman again.

At town hall after town hall across Pennsylvania, Democrats and allied progressive groups aren’t hearing from Fetterman in person — or Republicans who control Washington, for that matter.

But they are hearing from Lamb, a living reminder of the Democrat they could have elected instead of Fetterman. The former congressman has emerged as an in-demand town hall headliner, sometimes as a stand-in for Fetterman — who just might bash Fetterman.

“I thought I was going to play Senator Fetterman,” Lamb joked as he sat down in front of a central Pennsylvania crowd last Sunday.

  • Conor Lamb listens to a participant after he spoke to...
    Conor Lamb listens to a participant after he spoke to the crowd at a town hall-style event organized by progressive groups at Central Penn College, Sunday, June 22, 2025, in Enola, Pa. (AP Photo/Marc Levy)
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Conor Lamb listens to a participant after he spoke to the crowd at a town hall-style event organized by progressive groups at Central Penn College, Sunday, June 22, 2025, in Enola, Pa. (AP Photo/Marc Levy)
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Democrats are frustrated with Fetterman

Lamb’s reemergence comes at an in-between moment, roughly halfway through Fetterman’s six-year term, and is helping define the struggle facing Democrats in swing-state Pennsylvania.

There, Democrats figure prominently in their national effort to push back on President Donald Trump, but also in their struggle to figure out what to do about Fetterman, who is under fire from rank-and-file Democrats for being willing to cooperate with Trump.

Frustration with Fetterman has been on display on social media, at the massive “ No Kings ” rally in Philadelphia and among the Democratic Party’s faithful. The steering committee of the progressive organization Indivisible PA last month asked Fetterman to resign.

It’s quite a turnabout for the hoodies-and-shorts-wearing Fetterman, elected in 2022 with an everyman persona and irreverent wit, who was unafraid to challenge convention.

For some progressives, frustration with Fetterman began with his staunch support for Israel’s punishing war against Hamas in Gaza, an issue that divides Democrats.

It’s moved beyond that since Trump took office. Now, some are wondering why he’s — as they see it — kissing up to Trump, why he’s chastising fellow Democrats for their anti-Trump resistance and whether he’s even committed to their causes at all.

Most recently, they question his support for Trump’s bombing of Iran.

“It hurts,” said John Abbott, who attended Sunday’s event in suburban Harrisburg.

Speaking at the flagship “No Kings” rally in Philadelphia, Indivisible co-founder Leah Greenberg name-checked Fetterman.

“We’re looking to the leaders who will fight for us, because even today there are folks among the Democratic Party who think we should roll over and play dead,” Greenberg said. “Anyone seen John Fetterman here today?”

The crowd booed.

Why is Conor Lamb crisscrossing Pennsylvania again?

In Pittsburgh, progressives trying to land an in-person town hall with Fetterman or first-term Republican Sen. David McCormick noticed when the two senators advertised an event together at a downtown restaurant to celebrate the release of McCormick’s new book.

Progressive groups organized to protest it and — after it got moved to a private location with a private invite list — went ahead with their own town hall. They invited Lamb and a local Democratic state representative instead.

More invitations for Lamb started rolling in.

By his count, he’s now attended at least a dozen town halls and party events, easily clocking more than 2,000 miles to appear in small towns, small cities and suburbs, often in conservative areas.

“Showing up matters and it really does make a difference,” said Dana Kellerman, a Pittsburgh-based progressive organizer. “Is that going to matter to John Fetterman? I really don’t know. I don’t know what he’s thinking. I don’t know if he’s always been this person or if he’s changed in the last two years.”

Fetterman has brushed off criticism, saying he’s a committed Democrat, insisting he was elected to engage with Republicans and — perhaps hypocritically — questioning why Democrats would criticize fellow Democrats.

At times, Fetterman has criticized Trump, questioning the move to “punch our allies in the mouth” with tariffs or the need for cuts to social-safety net programs in the GOP’s legislation to extend 2017’s tax cuts. Fetterman’s office didn’t respond to an inquiry about Lamb.

Is Conor Lamb running for Senate?

For his part, Lamb — a former U.S. Marine and federal prosecutor — says he isn’t running for anything right now, but he’ll do whatever he can to “stop this slide that we’re on toward a less democratic country and try to create one in which there’s more opportunity for people.”

To some Democrats, he sounds like a candidate.

“That he’s doing these town halls is a good indication that he’ll be running for something, so it’s a good thing,” said Janet Bargh, who attended the event in suburban Harrisburg.

Aside from the town halls, he spoke at the Unite for Veterans event on the National Mall. He has also been active on social media, doing local radio appearances and appearing on MSNBC, where he recently criticized the June 14 military parade ordered up by Trump.

Not long ago, it was hard to envision Lamb losing a race, ever.

In 2018, he won a heavily Trump-friendly congressional district in southwestern Pennsylvania in a special election. It was the center of the political universe that spring, drawing campaign visits by Trump and then-presidential hopeful Joe Biden.

Suddenly, Lamb was ascendant. Then he ran for Senate and lost handily — by more than two-to-one — to Fetterman in 2022’s primary.

People often ask Lamb if he’s going to challenge Fetterman again. Lamb said he reminds them that Fetterman has three years left in his term and pivots the conversation to what Democrats need to do to win elections in 2025 and 2026.

Still, Lamb is unafraid to criticize Fetterman publicly. And, he said, he’s a magnet for Democrats to air their unhappiness with Fetterman. What he hears, over and over, is frustration that Fetterman spends too much time attacking fellow Democrats and not enough time challenging Trump.

“And that is, I think, what’s driving the frustration more than any one particular issue,” Lamb said.

At the town hall, Lamb wasn’t afraid to admit he’d lost to Fetterman. But he turned it into an attack line.

“When I watch the person who beat me give up on every important issue that he campaigned on … the more I reasoned that the point of all of this in the first place is advocacy for what’s right and wrong,” Lamb told the crowd. “And advocacy for not just a particular party to win, but for the type of country where it matters if, when you stand up, you tell the truth.”

The crowd cheered.

Follow Marc Levy on X at: https://x.com/timelywriter

Conor Lamb speaks to the crowd at a town hall-style event organized by progressive groups at Central Penn College, Sunday, June 22, 2025, in Enola, Pa. (AP Photo/Marc Levy)
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