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Chasing followers makes crypto traders perform worse on social investment sites
Whether excited about gaining new followers or desperate to win back lost subscribers, investors who saw changes to their subscriber count performed worse than before their subscribers changed, according to a new study. The research tracked performance on social investment sites, where individuals can trade assets like cryptocurrency while attracting audiences based on their performance — like YouTube, but for investments. Both gaining and losing followers led investors to make more frequent, riskier trades. The upshot is that traders performed about 10% worse in the weeks after their subscriber counts changed. “If the number of followers increases a lot, it creates an overconfidence effect. You are more aggressive in trading, and your future trading performance will be worse,” said Liangfei Qiu, Ph.D., a professor in the University of Florida’s Warrington College of Business and co-author of the new study. “So logically we thought that if more followers leads to worse performance, then if we reduce the number of followers, it will reverse the effect, reduce overconfidence and lead to higher trading performance,” Qiu said. “But that’s not what we found. If we reduce the number of followers, they trade even more aggressively and their trading performance becomes even worse.” Qiu and his collaborators at the University of Maryland and University of Washington worked directly with an anonymous social trading platform to examine the impact of gaining or losing followers on traders’ cryptocurrency trading behavior and performance. The research revealed the power of social pressure. This study was focused on cryptocurrency, which is highly volatile and may exacerbate the risk of social trading. But social trading also exists for traditional investments like stocks and bonds, and chasing followers could hurt these types of investments, too. The researchers say that both platforms and investors should guard against the downsides. “If platforms emphasize the social functions too much, it might backfire. Eventually it will hurt the long run performance of the platform,” he said. “The investors should realize their inherent bias and make sure their trading strategies are not too affected by social attention.”
Why Insomnia May Hold the Key to Treating Depression, According to MCG Research
William Vaughn McCall, MD, professor emeritus in the Department of Psychiatry and Health Behavior at the Medical College of Georgia at Augusta University, is leading a new multi-year clinical trial aimed at addressing insomnia and depression together — two conditions that frequently occur side by side. The Assessing Improvements in Mood and Sleep (AIMS) Trial, funded by the National Institutes of Health, is exploring whether treating sleep problems through psychotherapy can also reduce lingering symptoms of depression, particularly in older adults. McCall has served as professor and Case Distinguished Chairman of the Department of Psychiatry and Health Behavior at Augusta University since 2012. His research interests include depression, electroconvulsive therapy, quality of life, insomnia, and suicide. His research has been continuously funded by the National Institute of Mental Health since 1995, and he is the author of more than 400 publications, including more than 180 peer-reviewed journal articles. View his profile McCall’s work builds on decades of research examining how disrupted sleep contributes to mood disorders. While previous studies often focused on medication-based approaches, this trial takes a different direction by testing non-pharmacological therapies that target insomnia itself. The research team, which includes collaborators from multiple universities, is evaluating whether improving sleep quality can meaningfully lower depression symptoms for patients who remain symptomatic despite antidepressant treatment. “Ultimately, the hope is to find other avenues to reduce the risk for depression and depression symptoms,” McCall says. The trial is currently recruiting adults aged 55 and older who are experiencing both insomnia and depression, with options for both in-person and remote participation. For journalists covering mental health, aging, sleep science, or emerging clinical research, McCall is a key expert offering informed perspective on how sleep-focused interventions could reshape the future of depression treatment. The full article 'New MCG trial targets insomnia and depression symptoms' is available below: And if you're interested in talking with William Vaughn McCall, MD, simply click on his icon now to arrange a time for an interview today.
With the MOMitor™ app, Florida mothers have better maternal care right at their fingertips
A program spearheaded by University of Florida physicians recently expanded to improve care for new mothers throughout the state, using tools they have right at home. Five years ago, a team of obstetricians and researchers at the UF College of Medicine launched MOMitor™, a smartphone app that allows new mothers to answer health screening questions and check vitals like blood pressure in the comfort of their own homes, using tools given to them by their health care providers. Depending on the data, the clinical team can then follow up with patients as needed for further medical intervention. Now, the app is expanding beyond North Central Florida — where nearly 4,400 mothers have participated in the program — to other areas in the state. Clinicians are also teaming up with data scientists at the College of Medicine who are using artificial intelligence to study data and identify trends that can lead to more personalized care. Program expansion Thanks to funding from the Florida Department of Health to support the state’s Telehealth Maternity Care Program, MOMitor™ has recently expanded for use in Citrus, Hernando, Sumter, Flagler, Volusia, Martin, St. Lucie and Okeechobee counties, said Kay Roussos-Ross, M.D. ’02, MPAS ’98, a UF professor of obstetrics/gynecology and psychiatry who is leading the program. “The Florida Legislature was really motivated and interested in improving maternal morbidity and mortality, and through this program we’re touching additional parts of the state and helping patients beyond North Central Florida,” she said. Maternal mortality is a serious concern in the United States, with more than 18 deaths recorded per 100,000 births in 2023, according to the latest data available from the U.S. Centers for Disease Control and Prevention. This is a much higher rate than most other developed countries, Roussos-Ross said. Common factors that may lead to maternal mortality, which is measured from pregnancy through the first year after giving birth, include infection, mental health conditions, cardiovascular conditions and endocrine disorders. Many of these complications can go unnoticed or unmonitored, particularly if at-risk mothers are not reporting complications to clinicians. A 2025 study published in the Journal of the American Medical Association shows that up to 40% of women do not attend postpartum visits. “By leveraging AI, we have the opportunity to target moms and moms-to-be who might be at greater risk of complications ... and encourage them to participate in the program to mitigate these.” — Tanja Magoc, Ph.D. “Whereas we’re used to seeing patients pretty routinely during pregnancy, after delivery visits quickly drop off and some women don’t make it back for postpartum care, so we may not have an opportunity to continue supporting them,” Roussos-Ross said. “This can often be because of barriers such as housing, transportation or food insecurity. We offer referrals to help with some of these services.” With MOMitor™, patients can let their clinician know how they are recovering without visiting the clinic, improving access to care in situations where that is not always an easy option for new mothers. “It’s a way to be proactive,” Roussos-Ross said. “Instead of waiting for a patient to come to us when they haven’t been doing well for a while, we connect with them through the app and follow up when they initially begin not doing well, so we can address concerns more quickly.” Studying data to personalize care Roussos-Ross’ team is collaborating with data scientists from the College of Medicine’s Quality and Patient Safety initiative, or QPSi, to determine how AI can assist in finding ways to further improve processes. “By leveraging AI, we have the opportunity to target moms and moms-to-be who might be at greater risk of complications, such as developing postpartum depression or hypertension, and encourage them to participate in the program to mitigate these complications,” said Tanja Magoc, Ph.D., the associate director of QPSi’s Artificial Intelligence/Quality Improvement Program. David Hall, Ph.D., a QPSi data scientist, said his team is working alongside the clinical team to analyze data that can be used to create recommendations for patients. “Everything we do comes from information supported in the patients’ charts,” Hall said. “We also make sure the data upholds compliance standards and protects patients’ privacy.” “We’re interested in finding out what areas might be hot spots and determining what makes them this way, so we can ... better identify areas where there may be high-risk patients and provide interventions to those who need it most.” — David Hall, Ph.D. The teams aim to intervene before patients encounter postpartum complications, addressing potential issues before they become significant problems. After taking into account a patient’s personal and family medical history, the team looks at information such as geolocation, drilling down to areas much smaller than the ZIP code level in order to find points of potential concern. “We’re interested in finding out what areas might be hot spots and determining what makes them this way, so we can study these patterns throughout the state and better identify areas where there may be high-risk patients and provide interventions to those who need it most,” Hall said. Roussos-Ross said she is proud of the work her team has done to improve patient outcomes through the program so far and is excited to empower more patients. “Every year, the participants give us recommendations on how to improve the app, which we love. But they also say, ‘This is so great. It helped me think about myself and not just my baby. It helped me learn about taking care of my own health. It made me remember I’m important too, and it’s not just about the baby,’” Roussos-Ross said. “And that is so gratifying, because women are willing to do anything to ensure the health of their baby, sometimes at the expense of their own care. This is a way for us to let them know they are still important, and we care about their health as well.”
J.S. Held Releases the Lending Climate in America Survey Results
Global consulting firm J.S. Held reveals the “Lending Climate in America” survey results from Phoenix Management, a part of J.S. Held. The fourth quarter survey results highlight the persisting lender views on policy decisions and their national/global impacts. The “Lending Climate in America” survey is administered quarterly to lenders from various commercial banks, finance companies, and factors across the country. We collect, tabulate, and analyze the results to create a complete evaluation of national attitudes and trends. Phoenix’s Q4 2025 “Lending Climate in America” survey asked lenders which factors could have the strongest potential to impact the economy in the upcoming six months. Forty-six percent of lenders think political uncertainty will have the strongest impact on the economy, while 41% of lenders believe geopolitical risk (war) has the strongest potential to impact the economy. Lenders continue to believe that the possibility of a U.S. recession and upcoming FOMC interest rate decisions will impact the economy. Lenders revealed what actions their customers may take in the next six months. Almost two-thirds of the surveyed lenders believe their customers will raise additional capital, while 30%+ of the surveyed lenders believe their customers will introduce new products and make acquisitions. Forty-three percent of respondents identified the retail trade industry as the most likely to experience volatility in the next six months, followed by the healthcare (social assistance) industry at 38% of respondents. Additionally, Phoenix’s “Lending Climate in America” survey asked lenders if their respective institutions plan to tighten, maintain, or relax their loan structures for various sized loans. For larger loan structures (greater than $25M), the plan to maintain loan structures remained relatively constant from Q3 to Q4, increasing by 9%. As loan sizes decrease, lenders plan to maintain their loan structures. Loans in the range of $15-25M and $5-15M saw very similar structure changes from Q3 to Q4. Loans under $5M had no change in structure. Lender optimism in the U.S. economy decreased for the near term, moving from 2.58 in Q3 2025 to 2.38. In this current quarter, there is heavy expectation of a B level performance (49%), with a majority of the remainder (41%) sitting at a C level. Lender expectations for the U.S. economy’s performance in the longer term also decreased from 2.71 to 2.46. Of the lenders surveyed, 54% believe the U.S. economy will perform at a B level during the next twelve months, virtually no change from the prior quarter. Performance expectations at the D level increased by 5%, matching the increase at a C level. To see the full results of Phoenix’s “Lending Climate in America” Survey, please visit: “Lenders are signaling heightened caution as political uncertainty and geopolitical risks dominate near-term economic concerns,” says Michael Jacoby, Senior Managing Director and Strategic Advisory Practice Lead at J.S. Held. “Confidence in the U.S. economy continues to erode, with short-term grades slipping from a weighted average of 2.58 in Q3 to 2.38 in Q4, and long-term expectations following the same downward trend. While most lenders plan to maintain current loan structures, a notable 21% anticipate tightening terms, even as 77% expect further Fed rate cuts in the coming months. Industry volatility is projected to rise sharply in healthcare, consumer products, and finance, underscoring a challenging environment for borrowers and investors alike.” To learn more about how our experts can add value to your stories in development, simply connect with Michael through his icon below.
With OpenAI’s latest release, GPT-5.2, AI has crossed an important threshold in performance on professional knowledge-work benchmarks. Peter Evans, Co-Founder & CEO of ExpertFile, outlines how these technologies will fundamentally improve research communications and shares tips and prompts for PR pros. OpenAI has just launched GPT-5.2, describing it as its most capable AI model yet for professional knowledge work — with significantly improved accuracy on tasks like creating spreadsheets, building presentations, interpreting images, and handling complex multistep workflows. And based on our internal testing, we're really impressed. For communications professionals in higher education, non-profits, and R&D-focused industries, this isn’t just another tech upgrade — it’s a meaningful step forward in addressing the “research translation gap” that can slow storytelling and media outreach. According to OpenAI, GPT-5.2 represents measurable gains on benchmarks designed to mirror real work tasks. In many evaluations, it matches or exceeds the performance of human professionals. Also, before you hit reply with “Actually, the best model is…” — yes, we know. ChatGPT-5.2 isn’t the only game in town, and it’s definitely not the only tool we use. Our ExpertFile platform uses AI throughout, and I personally bounce between Claude 4.5, Gemini, Perplexity, NotebookLM, and more specialized models depending on the job to be done. LLM performance right now is a full-contact horserace — today’s winner can be tomorrow’s “remember when,” so we’re not trying to boil the ocean with endless comparisons. We’re spotlighting GPT-5.2 because it marks a meaningful step forward in the exact areas research comms teams care about: reliability, long-document work, multi-step tasks, and interpreting visuals and data. Most importantly, we want this info in your hands because a surprising number of comms pros we meet still carry real fear about AI — and long term, that’s not a good thing. Used responsibly, these tools can help you translate research faster, find stronger story angles, and ship more high-quality work without burning out. When "Too Much" AI Power Might Be Exactly What You Need AI expert Allie K. Miller's candid but positive review of an early testing version of ChatGPT 5.2 highlights what she sees as drawbacks for casual users: "outputs that are too long, too structured, and too exhaustive." She goes on to say that in her tests, she observed that ChatGPT-5,2 "stays with a line of thought longer and pushes into edge cases instead of skating on the surface." Fair enough. All good points that Allie Miller makes (see above). However, for communications professionals, these so-called "downsides" for casual users are precisely the capabilities we need. When you're assessing complex research and developing strategic messaging for a variety of important audiences, you want an AI that fits Miller's observation that GPT-5.2 feels like "AI as a serious analyst" rather than "a friendly companion." That's not a critique of our world—it's a job description for comms pros working in sectors like higher education and healthcare. Deep research tools that refuse to take shortcuts are exactly what research communicators need. So let's talk more specifically about how comms pros can think about these new capabilities: 1. AI is Your New Speed-Reading Superpower for Research That means you can upload an entire NIH grant, a full clinical trial protocol, or a complex environmental impact study and ask the model to highlight where key insights — like an unexpected finding — are discussed. It can do this in a fraction of the time it would take a human reader. This isn’t about being lazy. It’s about using AI to assemble a lot of tedious information you need to craft compelling stories while teams still parse dense text manually. 2. The Chart Whisperer You’ve Been Waiting For We’ve all been there — squinting at a graph of scientific data that looks like abstract art, waiting for the lead researcher to clarify what those error bars actually mean. Recent improvements in how GPT-5.2 handles scientific figures and charts show stronger performance on multimodal reasoning tasks, indicating better ability to interpret and describe visual information like graphs and diagrams. With these capabilities, you can unlock the data behind visuals and turn them into narrative elements that resonate with audiences. 3. A Connection Machine That Finds Stories Where Others See Statistics Great science communication isn’t about dumbing things down — it’s about building bridges between technical ideas and the broader public. GPT-5.2 shows notable improvements in abstract reasoning compared with earlier versions, based on internal evaluations on academic reasoning benchmarks. For example, teams working on novel materials science or emerging health technologies can use this reasoning capability to highlight connections between technical results and real-world impact — something that previously required hours of interpretive work. These gains help the AI spot patterns and relationships that can form the basis of compelling storytelling. 4. Accuracy That Gives You More Peace of Mind...When Coupled With Human Oversight Let’s address the elephant in the room: AI hallucinations. You’ve probably heard the horror stories — press releases that cited a study that didn’t exist, or a “quote” that was never said by an expert. GPT-5.2 has meaningfully reduced error rates compared with its predecessor, by a substantial margin, according to OpenAI Even with all these improvements, human review with your experts and careful editing remain essential, especially for anything that will be published or shared externally. 5. The Speed Factor: When “Urgent” Actually Means Urgent With the speed of media today, being second often means being irrelevant. GPT-5.2’s performance on workflow-oriented evaluations suggests it can synthesize information far more quickly than manual review, freeing up a lot more time for strategic work. While deeper reasoning and longer contexts — the kinds of tasks that matter most in research translation — require more processing time and costs continue to improve. Savvy communications teams will adopt a tiered approach: using faster models of AI for simple tasks such as social posts and routine responses, and using reasoning-optimized settings for deep research. Your Action Plan: The GPT-5.2 Playbook for Comms Pros Here’s a tactical checklist to help your team capitalize on these advances. #1 Select the Right AI Model for the Job: Lowers time and costs • Use fast, general configurations for routine content • Use reasoning-optimized configurations for complex synthesis and deep document understanding • Use higher-accuracy configurations for high-stakes projects #2 Find Hidden Ideas Beyond the Abstract: Deeper Reasoning Models do the Heavy Work • Upload complete PDFs — not just the 2-page summary you were given • Use deeper reasoning configurations to let the model work through the material Try these prompts in ChatGPT5.2 “What exactly did the researchers say about this unexpected discovery that would be of interest to my <target audience>? Provide quotes and page references where possible.” “Identify and explain the research methodology used in this study, with references to specific sections.” “Identify where the authors discuss limitations of the study.” “Explain how this research may lead to further studies or real-world benefits, in terms relatable to a general audience.” #3 Unlock Your Story Leverage improvements in pattern recognition and reasoning. Try these prompts: “Using abstract reasoning, find three unexpected analogies that explain this complex concept to a general audience.” “What questions could the researchers answer in an interview that would help us develop richer story angles?” #4 Change the Way You Write Captions Take advantage of the way ChatGPT-5.2 translates processes and reasons about images, charts, diagrams, and other visuals far more effectively. Try these prompts: Clinical Trial Graphs: “Analyze this uploaded trial results graph upload image. Identify key trends, and comparisons to controls, then draft a 150-word donor summary with plain-language explanations and suggested captions suitable for donor communications.” Medical Diagrams: “Interpret these uploaded images. Extract diagnostic insights, highlight innovations, and generate a patient-friendly explainer: bullet points plus one visual caption.” A Word of Caution: Keep Experts in the Loop to Verify Information Even with improved reliability, outputs should be treated as drafts. If your team does not yet have formal AI use policies, it's time to get started, because governance will be critical as AI use scales in 2026 and beyond. A trust-but-verify policy with experts treats AI as a co-pilot — helpful for heavy lifting — while humans remain accountable for approval and publication. The Importance of Humans (aka The Good News) Remember: the future of research communication isn’t about AI taking over — it’s about AI empowering us to do the strategic, human work that machines cannot. That includes: • Building relationships across your institution • Engaging researchers in storytelling • Discovering narrative opportunities • Turning discoveries into compelling narratives that influence audiences With improvements in speed, reasoning, and reliability, the question isn’t whether AI can help — it’s what research stories you’ll uncover next to shape public understanding and impact. FAQ How is AI changing expectations for accuracy in research and institutional communications? AI is shifting expectations from “fast output” to defensible accuracy. Better reasoning means fewer errors in research summaries, policy briefs, and expert content—especially when you’re working from long PDFs, complex methods, or dense results. The new baseline is: clear claims, traceable sources, and human review before publishing. ⸻ Why does deeper AI reasoning matter for communications teams working with experts and research content? Comms teams translate multi-disciplinary research into messaging that must withstand scrutiny. Deeper reasoning helps AI connect findings to real-world relevance, flag uncertainty, and maintain nuance instead of flattening meaning. The result is work that’s easier to defend with media, leadership, donors, and the public—when paired with expert verification. ⸻ When should communications professionals use advanced AI instead of lightweight AI tools? Use lightweight tools for brainstorming, social drafts, headlines, and quick rewrites. Use advanced, reasoning-optimized AI for high-stakes deliverables: executive briefings, research positioning, policy-sensitive messaging, media statements, and anything where a mistake could create reputational, compliance, or scientific credibility risk. Treat advanced AI as your “analyst,” not your autopilot. ⸻ How can media relations teams use AI to find stronger story angles beyond the abstract? AI can scan full papers, grants, protocols, and appendices to surface where the real story lives: unexpected findings, practical implications, limitations, and unanswered questions that prompt great interviews. Ask it to map angles by audience (public, policy, donors, clinicians) and to point to the exact sections that support each angle. ⸻ How should higher-ed comms teams use AI without breaking embargoes or media timing? AI can speed prep work—backgrounders, Q&A, lay summaries, caption drafts—before embargo lifts. The rule is simple: treat embargoed material like any sensitive document. Use approved tools, restrict sharing, and avoid pasting embargoed text into unapproved systems. Use AI to build assets early, then finalize post-approval at release time. ⸻ What’s the best way to keep faculty “in the loop” while still moving fast with AI? Use AI to produce review-friendly drafts that reduce load on researchers: short summaries, suggested quotes clearly marked as drafts, and a checklist of claims needing verification (numbers, methods, limitations). Then route to the expert with specific questions, not a wall of text. This keeps approvals faster while protecting scientific accuracy and trust. ⸻ How should teams handle charts, figures, and visual data in research communications? AI can turn “chart confusion” into narrative—if you prompt for precision. Ask it to identify trends, group comparisons, and what the figure does not show (limitations, missing context). Then verify with the researcher, especially anything involving significance, controls, effect size, or causality. Use the output to write captions that are accurate and accessible. ⸻ Do we need an AI Use policy in comms and media relations—and what should it include? Yes—because adoption scales faster than risk awareness. A practical policy should define: approved tools, what data is restricted, required human review steps, standards for citing sources/page references, rules for drafting quotes, and escalation paths for sensitive topics (health, legal, crisis). Clear guardrails reduce fear and prevent preventable reputational mistakes. If you’re using AI to move faster on research translation, the next bottleneck is usually the same one for many PR and Comm Pros: making your experts more discoverable in Generative Search, your website, and other media. ExpertFile helps media relations and digital teams organize their expert content by topics, keep detailed profiles current, and respond faster to source requests—so you can boost your AI citations and land more coverage with less work. For more information visit us at www.expertfile.com
Global Honors Highlight J.S. Held’s Unmatched Technical and Advisory Expertise
J.S. Held proudly celebrates the numerous industry and expert recognitions earned throughout 2025. As a global consulting firm, J.S. Held continues to be acknowledged for its deep financial, technical, and scientific expertise, with leading outlets highlighting the firm’s capabilities across investigations, risk advisory, forensics, turnaround and restructuring, business intelligence, and litigation support. The firm’s curated team of entrepreneurs — each with an unrivaled understanding of both tangible and intangible assets — reflects a collective strength that is recognized worldwide. Beyond organizational achievements, J.S. Held’s experts received individual distinctions that further demonstrate their standing as leaders within their respective fields. Industry publications and ranking bodies honoured these specialists for excellence in arbitration, construction and engineering, environmental consulting, forensic accounting, investigations, litigation support, intellectual property, specialty finance, and a wide range of other highly specialized domains. Together, these recognitions underscore J.S. Held’s commitment to delivering trusted insight and unparalleled expertise as clients navigate increasingly complex challenges. In a rapidly evolving business landscape, the firm remains dedicated to providing informed, innovative, and practical solutions that enable organizations to move forward with confidence. Click on the link below to learn more about our recognition and respective areas of expertise: Expert recognition by notable organizations serves as a further testament to J.S. Held's agile, collaborative, creative, and client-centric team, reflecting the trusted advisor role the firm has earned over the last 50 years. For any media inquiries, contact: Kristi L. Stathis, J.S. Held +1 786 833 4864 Kristi.Stathis@JSHeld.com
LSU Experts Break Down Artificial Intelligence Boom Behind Holiday Shopping Trends
Consumers are increasingly turning to artificial intelligence tools for holiday shopping—especially Gen Z shoppers, who are using platforms like ChatGPT and social media not only for gift inspiration but also to find the best prices. Andrew Schwarz, professor in the LSU Stephenson Department of Entrepreneurship & Information Systems, and Dan Rice, associate professor and Director of the E. J. Ourso College of Business Behavioral Research Lab, share their insights on this emerging trend. AI is the new front door for search: Schwarz: We’re seeing a fundamental change in how consumers find information. Instead of browsing multiple pages of results, users—especially Gen Z—are skipping to conversational AI for curated answers. That dramatically shortens the shopping journey. For years, companies optimized for SEO to appear on the first page of Google; now they’ll have to think about how their products surface in AI-generated recommendations. This may lead to a new form of “AIO”—AI Information Optimization—where retailers tailor product descriptions, metadata, and partnerships specifically for AI visibility. The companies that adapt early will have a distinct advantage in capturing consumer attention. Rice: This issue of people being satisfied with the AI results (like a summary at the top of the Google results) and then not clicking on any of the paid or organic links leads to a huge increase in what we call “zero click search” (for obvious reasons). For some providers, this is leading to significant drops in web traffic from search results, which can be disconcerting due to the potential loss of leads. However, to Andrew’s point of shortening the journey, it means that the consumers who do come through are much more likely to buy (quickly) because they are “better” leads. This translates to seemingly paradoxical situations for providers: they see drops in click-through rates and visitors/leads, yet revenue increases because the visitors are “better.” There is a rise in personalized shopping journeys: Schwarz: AI essentially acts as a personal shopper—one that can instantly analyze preferences, budget, personality traits, or past behavior to produce tailored gift lists. This shifts power toward “delegated decision-making,” in which consumers allow AI to narrow their choices. Younger consumers are already comfortable outsourcing this cognitive load. However, as ads enter the picture, these personalized journeys could be shaped by incentives that aren’t always transparent. That creates a new responsibility for platforms to disclose when suggestions are sponsored and for users to develop a more critical lens when interacting with AI-driven recommendations. Rice: This is also a great point. The “tools” marketers use to attract customers are constantly evolving, but this seems in many ways to be the next iteration of the Amazon.com suggestions that you find at the bottom of the product page for something you click on when searching Amazon (“buy all x for $” or “consumers also looked at…,” etc.), based on past histories of search and purchase, etc. One of the main differences is that you can now create virtually limitless ways to compare products, making comparisons less taxing (reducing cognitive load and stress), which may, in some cases, increase the likelihood of purchase. These idiosyncratic comparisons and prompts lead to the truly unique journeys Andrew is discussing. You no longer have to be beholden to a retailer-specified price range. You could choose your own, or instead ask an AI to list the products representing the best “value” based on consumer reviews, perhaps by asking to list the top ten products by cost per star rating, etc. Advertising is becoming more subtle and conversational: Schwarz: With ads woven directly into AI responses, the traditional boundary between content and advertising blurs. Instead of banner ads, pop-ups, or clearly labeled sponsored posts, recommendations in a conversational thread may feel more like advice than marketing. This has enormous implications for consumer trust. Retailers will likely see higher engagement through these context-aware ad placements, but regulatory scrutiny may also increase as policymakers evaluate how clearly sponsored content is identified. The risk is that advertising becomes invisible—something both platform designers and regulators will need to monitor carefully. Rice: This is definitely true. I was recently exploring an AI-based tool for choosing downhill skis, but the tool was subtly provided by a single ski brand. I’m not sure the distribution of ski brands covered was truly delivering the “best overall fit” for a potential buyer, rather than the best possible ski in that brand. At least in that case, it was somewhat disclosed. It does, however, become an issue if consumers feel misled, but they’d have to notice it first. Still, the advantages are big for retailers, and the numbers don't lie. According to some preliminary Black Friday data, shoppers using an AI assistant were 60% more likely to make a purchase. Schwarz: This shift is going to reshape multiple layers of the retail ecosystem: Retailers will need to rethink how they show up in AI-driven environments. Traditional SEO, ad bids, and social media strategies won’t be enough. Partnerships with AI platforms may become as important as being carried by major retailers today. Because AI tools can instantly compare prices across dozens of retailers, consumers will become more price-sensitive. Retailers may face increasing pressure to offer competitive pricing or unique value propositions, as AI reduces friction in comparison shopping. Retailers who integrate AI into their own websites—chat-based shopping assistants, personalized gift advisors, automated bundling—will gain an edge. Consumers are increasingly expecting conversational interfaces, and companies that delay will quickly feel outdated. As AI tools influence purchasing decisions, consumers and regulators alike will demand clarity around how recommendations are generated. Retailers will need to navigate this carefully to maintain What I think we are going to see accelerate as we move forward: AI-powered concierge shopping will become mainstream. Within a couple of years, using AI to generate shopping lists, compare prices, and find deals will be as common as using Amazon today. Retailers will create AI-specific marketing strategies. Instead of optimizing for keywords, they’ll optimize for prompts: how consumers might ask for products and how an AI system interprets those requests. More platforms will introduce advertising into AI models. ChatGPT is simply the first mover. Once the revenue potential becomes clear, others will follow with their own ad integrations. Greater scrutiny from policymakers. As conversational advertising grows, transparency rules and labeling requirements will almost certainly. A new era of “conversational commerce.” Buying directly through AI—“ChatGPT, order this for me”—will become increasingly common, merging search, recommendation, and transaction into a single seamless experience. I can speak to this on a personal level. My college-aged son is interested in college football, and I wanted to get him a streaming subscription to watch the games. However, the football landscape is fragmented across multiple, expensive platforms. I asked ChatGPT to generate a series of options. Hulu is $100/month for Live TV, but ChatGPT recommended a combination of ESPN+, Peacock, and Paramount+ for $400/year and identified which conferences would not be covered. What would have taken me hours only took me a few minutes! Rice: On the other hand, AI isn’t infallible, and it can lead to sub-optimal results, hallucinations, and questionable recommendations. From my recent ski shopping experience, I encountered several pitfalls. First, for very specific questions about a specific model, I sometimes received answers for a different ski model in the same brand, or for a different ski altogether, which was not particularly helpful, or specs I knew were just plain wrong. Secondly, regarding Andrew’s point about the conversational tone, I asked questions intended to push the limits of what could be considered reliable. For example, I asked the AI to describe the difference in “feel” of the ski for the skier among several models and brands. While the AI gave very detailed and plausible comparisons that were very much like an in-store discussion with a salesperson or area expert, I’m not sure I fully trust when an AI tells me that you can really feel the power of a ski push you out of a turn, this ski has great edge hold, etc. It sounds great, but where is the AI sourcing this information? I’m not convinced it’s fully accurate. It also seems we’re starting to see Google shift toward a more AI-centric approach (e.g., AI summaries and full AI Mode). At the same time, we’re also starting to see AI migrate closer to Google as people use it for product-related chats, and companies like Amazon and Walmart have developed their own AI that is specifically focused on the consumer experience. I can’t imagine it will be long before companies like OpenAI and their competitors start “selling influence” in AI discussions to monetize the influence their engines will have.
Playing "Ketchup": Kraft Heinz, Food Industry Work to Meet Evolving Consumer Trends
In September, the Kraft Heinz Company revealed its intention to split into two smaller entities—one focused on in-demand products, like shelf-stable meals, spreads and sauces, and the other on slower-growth businesses, such as the Oscar Mayer, Kraft Singles and Lunchables brands. The move is among the latest in a series of breakups and spinoffs announced by major "Big Food" conglomerates, including Kellogg's, Keurig Dr Pepper Inc. and Unilever, and experts speculate more divvying and downsizing are bound to follow. Beth Vallen, PhD, a professor in the Villanova School of Business who studies consumer behavior and food marketing, contends these demergers and restructurings are the direct result of a recent yet significant shift in shoppers' spending habits. "It is certainly a possibility that we are moving away from 'Big Food,'" says Dr. Vallen. "The companies are likely to be more agile as smaller entities, and the more targeted businesses will allow them to focus on their different market segments as we face increasingly complex consumer and macro trends in the food industry." Among the more noteworthy factors the professor cites are changes in how shoppers evaluate products and how often they make purchases, particularly amid rising costs, economic pressures and increased competition in the marketplace. When it comes to groceries, a LendingTree survey from earlier this year found that nearly nine in 10 Americans are reassessing what items they cart to the checkout lane. "Inflation and uncertainty have driven consumers to look for more value when they shop," says Dr. Vallen. "This might result in behaviors like switching to lower-cost alternatives, and along these lines, consumers are seeking out retailers with high-quality store brand offerings that might replace their typical, branded items. "Consumers are also shopping less frequently. This could be due to reliance on technology, like online grocery purchases, which requires more planning, as well as a desire to make groceries stretch between purchases to save money." Another development affecting the industry is a broader drive across the population toward health-conscious options and low-calorie meals, heightened to a degree by the rise of GLP-1 drugs like Ozempic. A recent KFF Health Tracking Poll evidences that these medications, which have been shown to promote weight loss, are taken by roughly one in eight American adults; and households with users are expected to account for more than a third of food and beverage sales by 2030. According to Rebecca Shenkman, MPH, RDN, LDN, the director of the MacDonald Center for Nutrition Education and Research at Villanova's M. Louise Fitzpatrick College of Nursing, the impact of these drugs' usage on consumers' eating habits should not be underestimated. "GLP-1 receptor agonists reduce appetite and food intake through multiple mechanisms, and evidence suggests both a reduction in snacking frequency and a shift toward healthier choices among users," shares Shenkman. "They report fewer cravings for sweet, salty and fatty snacks, particularly during the first 12 to 24 weeks of treatment. In addition, consumer surveys and clinical trials indicate increased intake of fruits, vegetables and water, and decreased consumption of processed foods and sugary beverages. "With millions of users and average daily reductions of 700 to 900 calories, demand for calorie-dense snacks could decline significantly." Among the brands and businesses at greatest risk, in Dr. Vallen and Shenkman's respective estimations, are "packaged and processed foods" as well as "sugary beverages and high-fat treats." In turn, with shoppers increasingly moving away from these "unhealthy" options and expressing an openness to dispensing with long-term staples, companies in the sector will need to emphasize adaptability in the coming years, making a conscious effort to understand customers' distinct preferences and needs. "Altogether, there are numerous trends that are seemingly pulling consumers in different directions—between health, taste, value and convenience," concludes Dr. Vallen. "Looking ahead, it will be important for firms to understand how these trends impact different consumers—and in different categories. Health likely means something different to Gen X and Gen Z and may vary further based on whether we are talking about a family dinner or a late-night treat. Taking efforts to understand consumer motivations will be crucial for companies to appropriately respond to current trends."
Tinsel, Tears, and Turkey: How Seniors Really Feel About the Holidays
Ah, the holidays. That magical season when cinnamon fills the air, grandkids are glued to their phones, and you're wondering if it's too early to spike the eggnog. (Answer: it's 5 o'clock somewhere, and that somewhere is your kitchen.) For many older adults, the season is a cocktail of nostalgia, joy, and melancholy—served in a glass rimmed with memories of when the house was full, and the turkey wasn't store-bought. Dealing With The Ghosts of Christmas Past The holidays used to mean full houses, laughter echoing off the walls, and more food than a Costco freezer aisle. Now? Smaller gatherings, missing faces, and a nagging feeling that you're somehow in the way at your own celebration. There's a certain ache that comes with the holidays as we age. It's not just arthritis—it's memory. The people who made our holidays special might no longer be around, and while their photos still grace the mantle, their absence can hit harder than a fruitcake to the forehead. It's the quiet that gets you. The stillness of a home that used to hum with chaos. The microwave hums where the oven once sang. The Christmas card list has ghosted us—literally—replaced by e-cards that can't be hung on the fridge or hugged. And yet, despite the ache, many seniors keep the traditions alive. They polish the silver, bake the cookies, and set the table—because ritual matters. It's a way to say, I'm still here, and this still matters. Loneliness: The Fear No One Talks About Let's name the holiday elephant in the room. Yes, it turns out that one really is the loneliest number. It's that heavy feeling that sneaks in right around the time commercials start showing perfect families in matching pajamas (who, let's be honest, probably fought about those pajamas in the parking lot). The numbers tell a sobering story: A report by the National Institute on Ageing, finds that as many as 41 per cent of Canadians aged 50 years and older are at risk of social isolation and up to 58 per cent have experienced loneliness before. The holidays often bring additional pressure for many. It's important to note, you don't have to live alone to feel lonely. Seniors often fear being forgotten—left out of the group chat, the dinner invite, or even the conversation at dinner. Some feel like a burden, convinced their presence is more "obligation" than "invitation." That fear of irrelevance can creep up faster than fruitcake at a church bake sale. The internal dialogue doesn't help: "They're busy." "They have their own lives." "I don't want to be a bother." But here's the truth: you're not a bother. You're the keeper of stories, the family's living archive, and—let's face it—the only one who actually knows how to carve a turkey without creating a crime scene. The health stakes are real: According to a 2023 research report from the U.S. Surgeon General, loneliness and social isolation have a profound effect on mortality, equal to smoking 15 cigarettes per day. That’s more impact than obesity or sedentary lifestyles. It's associated with increased risk of heart disease, stroke, dementia, depression, and anxiety. This isn't just about feeling blue; it's about actual health outcomes. When Depression Wears a Santa Hat Holiday depression doesn't always look like tears and tissues. Sometimes it's withdrawing from events, skipping meals, or not bothering to decorate. It's saying "I'm fine" with a smile that doesn't reach your eyes. A prominent research study of seniors in the UK over a 12-year period published in The Lancet, confirms what many seniors experience: loneliness is a significant predictor of depression in older adults. The study found that higher loneliness scores were consistently associated with increased depression severity. The relationship works both ways—people with mental health conditions are more than twice as likely to experience loneliness. It can also show up physically—fatigue, poor sleep, or that vague feeling that something's just... off. The sparkle of the season fades under the weight of grief, change, or just the exhausting pressure to be merry when you're not feeling it. A few sad moments are natural. We all get a little misty when "White Christmas" plays for the 47th time. But if the blues linger past Boxing Day, it might be time for a gentle check-in—with a friend, a doctor, or someone who actually listens (not just nods while scrolling). Remember: asking for help isn't a weakness. It's wisdom. And honestly? It's badass. The Magic of Rituals and Traditions For seniors, traditions aren't just habits—they're anchors. The same decorations, the favorite songs, the "don't touch that, it's Grandma's angel" moment that happens every. Single. Year. Research shows that rituals and traditions provide crucial psychological benefits for older adults, including a sense of stability, purpose, and belonging. They offer structure and comfort during challenging times, helping seniors feel grounded and connected to their roots. Studies have found that maintaining traditions contributes to overall mental well-being and can even reduce symptoms of anxiety and depression. These rituals offer stability in a world that keeps changing at warp speed (seriously, when did voice-activated ornaments become a thing?). But when traditions fade—when no one asks for the shortbread recipe or the ornaments stay boxed—it can feel like being erased in real time. So here's the trick: Evolve the traditions. Pass the torch, not the guilt. Let the grandkids lead carols (even if they insist on adding Mariah Carey). Use the good china. Pull out the silverware stored in the wooden case under the china cabinet that hasn't been opened since 1987. Keep the spirit alive, even if it looks different now. How Seniors Can Create a Joyful Holiday (Yes, Really!) Reach Out First: Don't wait for others to make the first move. Call, text, or—even better—show up with cookies. People are often grateful for the invitation but also afraid to impose. Be the one who breaks the ice. Host a Mini Gathering: Even if it's just tea with a neighbor, connection is the best seasoning of all. Bonus: smaller gatherings mean less cleanup and more actual conversation. Volunteer: Nothing lifts the spirit like helping someone else. Food banks, shelters, and local schools welcome extra hands. Plus, it's a great reminder that you're still needed—and you are. Laugh on Purpose: Watch old comedies. Tell those same stories (again). Laughter really is medicine—no prescription, no co-pay required. Decorate Anyway: Even if no one's visiting, do it for you. Light up your space, and your mood might just follow. And if the neighbors think you're overdoing it? Even better. What Families Can Do (Besides Show Up Hungry) Here's your holiday homework, families: Visit More, Scroll Less. You can't hug over FaceTime. And honestly, Grandma's WiFi probably can't handle it anyway. Listen Like It's a Gift. Because it is. Let seniors share their stories without rushing them or checking your phone. They're not just repeating themselves—they're reliving joy. (And yes, you've heard it before. Listen again.) Include Them in the Chaos. Let Grandma wrap presents, Grandpa set the playlist, or Aunt Sue take charge of... okay, maybe not the gravy. But give them a role. Purpose is the best present. Check In Regularly. A quick "thinking of you" text can mean more than an expensive gift. Though, to be fair, both are nice. Respect Their Pace. Big gatherings can be overwhelming. Sometimes small and meaningful beats loud and crowded. Not everyone wants to do the Macarena at Christmas dinner. (Looking at you, Uncle Bob.) Remember: the greatest present you can give an older adult is presence—yours. The Importance of Joy (and How to Find It Again) Joy doesn't always come in grand gestures. Sometimes it's hiding in the small stuff: • The smell of pine needles • The first snowflake (before it turns into gray slush) • That old ornament you swore you'd throw out • The laughter of family—even if it's at your expense Joy isn't found lying around like loose change. It's made. Sometimes it's coaxed out with a memory, a song, or a well-timed bad joke about Aunt Sue's lumpy gravy. And if all else fails, remember this: you've survived decades of holidays. Burnt turkeys. Broken ornaments. That unfortunate incident with the glue gun in 2003. You've earned the right to laugh through the tears and dance in your slippers if you damn well feel like it. The Real Gift The holidays remind us that connection—not perfection—is the true magic. For seniors, it's about being seen, heard, and loved. For families, it's about showing up, listening, and laughing together. Because one day, those elders' stories will become yours. And you'll want someone to care enough to hear them, too. So let's make this season count. Let's call more, visit more, and laugh more. Let's honor the past while making new memories. And let's remember that the best traditions aren't the ones that stay the same—they're the ones that adapt, evolve, and keep bringing us together. Now pass the eggnog. The spiked kind. Let's All Sit Under the Mistletoe and Sing the Retired Remix of "Jingle Bells" (To the tune of "Jingle Bells") Dashing through the snow, With a walker all in tow, To the mall we go, Moving nice and slow! Family's out of sight, Texting through the night, Oh, what fun it is to Zoom My grandkids once a night—hey! Chorus: Jingle bells, jingle bells, jingle all the way, Oh, what fun it is to chat With friends who won't delay—hey! Jingle bells, jingle bells, laughter saves the day, Lonely hearts can still feel joy— If love just finds a way. Happy holidays, everyone. May your turkey be moist, your family be present, and your eggnog be strong. Want more insights like this? Subscribe to my free newsletter here, where I share practical strategies, real-world stories, and straight talk about navigating retirement with confidence—not confusion. Plus, all subscribers get exclusive early access to advance chapters from my upcoming book. For Canadians 55+: Get actionable advice on making your home equity work for you, understanding your options, and living retirement on your terms. For Mortgage Brokers and Financial Professionals: Learn how to become the trusted advisor your 55+ clients—it's your opportunity to build lasting relationships in Canada's fastest-growing demographic. Sue Don’t Retire…Re-Wire! References & Resources for You or a Loved One On Loneliness and Social Isolation: • U.S. Surgeon General. (2023). Our Epidemic of Loneliness and Isolation: The U.S. Surgeon General's Advisory on the Healing Effects of Social Connection and Community. https://www.hhs.gov/sites/default/files/surgeon-general-social-connection-advisory.pdf • Medicare FAQ. (2024). Loneliness in Seniors Statistics: Combating Social Isolation. https://www.medicarefaq.com/blog/senior-loneliness-statistics/ • Mayo Clinic. (2023). Loneliness and Social Isolation Through the Holidays. https://newsnetwork.mayoclinic.org/discussion/loneliness-and-social-isolation-through-the-holidays/ On Depression and Mental Health: • Kok, R.M., & Reynolds, C.F. (2020). The association between loneliness and depressive symptoms among adults aged 50 years and older: A 12-year population-based cohort study. The Lancet Psychiatry. https://www.thelancet.com/journals/lanpsy/article/PIIS2215-0366(20)30383-7/fulltext • Cigna. (2021). The Loneliness Epidemic Persists: A Post-Pandemic Look at the State of Loneliness Among U.S. Adults. On Traditions and Rituals: • Oregon Counseling. Why Traditions Matter to Mental Health. https://oregoncounseling.com/article/why-traditions-matter-to-mental-health/ • Care365. Maintaining Traditions with Seniors. https://www.care365.care/resources/maintaining-traditions-with-seniors Additional Support: • National Council on Aging. Four Steps to Combat Loneliness in Seniors During the Holidays. https://www.ncoa.org/article/four-steps-to-combat-loneliness-in-seniors-during-the-holiday-and-beyond/ Emergency Services If the situation is urgent or someone is in immediate danger: Call 911. Canada Suicide Prevention Service (CSPS) • Call: 1-833-456-4566 (available nationwide, 24/7) • Text: 45645 (evenings) • Chat: available at 988.ca
The National Cancer Institute (NCI) has renewed the Cancer Center Support Grant (CCSG) for The Wistar Institute and ChristianaCare’s Helen F. Graham Cancer Center & Research Institute, awarding $16.3 million over the next five years. The renewal received an “exceptional” rating — the highest possible — recognizing the strength and impact of a partnership that combines world-class basic science with leading community-based cancer care. A One-of-a-Kind National Model This collaboration is the only one of its kind in the nation, joining Wistar, an NCI-Designated Basic Cancer Center, with ChristianaCare, one of the country’s premier academic community cancer centers and a National Cancer Institute Community Oncology Research Program. Together, they focus on driving advances against some of the most challenging cancers, including pancreatic, melanoma, breast, lung and ovarian cancers. The grant supports shared infrastructure, scientific resources and programs that enable researchers and clinicians to work seamlessly across both institutions. By connecting laboratory breakthroughs at Wistar with ChristianaCare’s ability to rapidly apply new approaches in a diverse patient population, the partnership accelerates the path from discovery to care. NCI highlighted the collaboration’s effectiveness, noting that “the ongoing alliance with the Helen F. Graham Cancer Center & Research Institute is where most clinical translation into active oncology trials is occurring, supported by productive collaboration between Wistar investigators and Graham Cancer Center oncologists.” Impact on Patients and Community “At ChristianaCare, we are committed to bringing innovation directly to the people we serve. Our collaboration with Wistar connects the best of basic science with the realities of patient care,” said Thomas Schwaab, M.D., Ph.D., Bank of America Endowed Medical Director of the Helen F. Graham Cancer Center & Research Institute. “The NCI’s exceptional score recognizes the promise of this work and the progress we are making together. It is a powerful affirmation that our patients are benefiting from research at the highest level.” “This renewal from the NCI is proof that we are building a model for how cancer research and community care can come together,” said Nicholas J. Petrelli, M.D., director of the Cawley Center for Translational Cancer Research at the Helen F. Graham Cancer Center & Research Institute and associate director of Translational Research at The Wistar Institute Cancer Center. “Through our partnership with Wistar, patients in Delaware and beyond are gaining access to cutting-edge research and therapies for some of the toughest cancers we face.” Dario Altieri, M.D., president and CEO of The Wistar Institute and director of its Ellen and Ronald Caplan Cancer Center, added: “An exceptional rating from the NCI is a reflection of the scientific excellence and real-world impact of this partnership. What makes this collaboration unique is its ability to take discoveries in areas such as melanoma and ovarian cancer and bring them rapidly into clinical practice through ChristianaCare.” NCI underscored the alliance’s reach, noting that “the partnership with the Graham Cancer Center brought cutting-edge cancer research to the community and advanced groundbreaking discoveries to first-in-human oncology clinical trials.” A Pipeline of Research Advancing Faster Than Ever Research achievements supported by the Wistar—ChristianaCare partnership include: Advancing multiple Wistar discoveries into investigator-initiated, first-in-human oncology clinical trials, including studies in pancreatic, melanoma, lung, breast and ovarian cancers. Launching joint research programs across several cancer types, with expanding efforts in cancer risk and population health. Increasing access to high-quality biospecimens — including tumor tissue, biopsies and blood samples — that fuel translational research. Strengthening shared scientific infrastructure supporting immunotherapy research, organoid development, xenograft models and molecular profiling. The Wistar—ChristianaCare partnership, established in 2011, has grown into a nationally recognized alliance that bridges science and medicine. With this CCSG renewal, the collaboration will expand research in pancreatic, melanoma, breast, lung and ovarian cancers and continue advancing prevention, early detection and training programs for the next generation of physician—scientists. The Helen F. Graham Cancer Center & Research Institute depends on grants and community support to keep this work moving forward. To learn more or make a gift, visit Support the Helen F. Graham Cancer Center & Research Institute.
