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Expert Insights: Want More Engagement? Eliminate the Barriers.

Anyone born in the 70’s or earlier will probably remember it well. Time was when playing any kind of video game meant physically disporting yourself to the local arcade—a twilight zone of flashing neon, electronic beeps and bops, and the clink of quarters hitting the slot. As technology advanced, the videogame came to you. Home consoles and TV stations rigged with joysticks duly became the mainstay of gaming. The Atari 2600 brought the arcade experience into dens all over the US; Pac-Man, Space Invaders, and Asteroids now at the fingertips of a generation of games who no longer needed to leave home to play. Fast forward to the era of smart phones and hi-tech, and gaming has evolved again. Today, Fortnite, Minecraft, and The Legend of Zelda can accompany you pretty much anywhere—onto a train or a bus, into the canteen at work or school, or under the covers at 2am. In our always-on, on-demand world, video gaming increasingly meets players where they are; a play-anywhere, digital user experience that empowers individuals to engage with their game of choice wherever they are, whenever it suits, and via whatever platform they prefer, desktop or mobile. For users, the benefits seem clear. But what about game producers? As availability expands to new channels and platforms, how does it change user behavior? Does it deepen engagement or does cross-platform continuity simply end up redistributing play—the addition of each new platform shifting players away from, and effectively cannibalizing, existing channels? It’s a conundrum, and not just for video game producers. Retailers, bankers, insurance firms, media, and hospitality providers—anyone with an online-first approach looking to meet their customers wherever they are—should also be cognizant of the potential downsides of channel expansion in the digital space. Weighing in here is research by Professor of Marketing and expert in the intersection of sports and cultural analytics and marketing Michael Lewis. Together with Wooyong Jo of Purdue, Lewis looks at the impact of omni-channel strategy on videogames—a proxy, he says, for other sectors and industries. What they find is critical for marketers and decision-makers in any context or business setting. Increasing the digital touchpoints between your product and customers does impact behavior—but the net results are overwhelmingly positive. Video game players play more, they spend more frequently, and they integrate gameplay more deeply into their everyday lives. In other words, the investment pays off. And the dividends in customer engagement are serious. Switching to the Switch To unpack all of this, Lewis and Jo partnered with a large US video game publisher to analyze player-level behavioral data for one its major titles in the Multiplayer Online Battle Arena, or MOBA genre. Players form teams and compete to destroy opposing team’s bases, selecting a character from a set of 100+ options. Revenue for the publisher comes from a “freemium” business model—users can make voluntary purchases to unlock new characters or buy cosmetic enhancements. These purchases are geared toward enhancing the gaming experience but don’t affect competitive outcomes, making them a critical measure of engagement. In 2019, the game was released for the Nintendo Switch, which can be docked in home consoles but is most commonly used as a mobile, hand-held device. PC players were given the option to download this new version and continue gameplay seamlessly using their existing accounts. Analyzing player behavior before and after the adoption of the new Switch platform, Lewis and Jo were able to zoom in on some critical measures of user engagement including game usage or the total number of matches played, in-game spending—what, when and how much players spent—and player inactivity or churn. “We were able to really get into player behavior over time, and what happens when you introduce the Switch option and remove the constraints of having to play in one place—the home or gaming PC,” says Lewis. “What happens when you make it possible for players to access the game they love while they’re commuting or on their lunchbreak?” Plenty, it turns out. Mobile access: gameplay, spending and churn Crunching the data, Lewis and Jo find that mobile access dramatically increases gameplay. Players who adopted the Switch version played approximately 31% more games than before—a dramatic uptick that underscores how flexibility gains translate into new opportunities to play and engage. And that’s not all. Lewis and Jo also find that gameplay becomes less concentrated within narrow windows—after school or work, say—and is now more spread out across the day, the result of the “ubiquity effect,” says Lewis. “Take away the constraints of having to be in a fixed location and you see players adding additional play sessions. Interestingly though, we don’t find any adverse effect on PC gaming. Players are simply playing more, and playing longer, rather than replacing PC time.” Then there’s in-game purchasing. MOBA-type games typically give players the option to voluntarily buy modifications for characters, known as “skins.” These skins are cosmetic enhancements: new armor, costumes, skill animations or effects. Crucially, these kinds of purchases don’t advance players to new levels of success in the game. Instead, they are used for personalization—to demonstrate status or to celebrate an in-game event. Lewis and Jo find that mobile adopters make more frequent in-game purchases. While the overall total doesn’t increase materially, these players are spending small amounts, more often—almost 7% more frequently than before. This makes intuitive sense, says Lewis. If players are logging in more often, they have more opportunities to feel inspired to want to spend on skins. But there’s another factor that may be at work. “With this kind of in-game purchasing, it’s likely that a lot of it is about credibility. When you buy a skin or a character pack, it’s like you have more aura within the game; you want to signal something to other players and let yourself be known. And this is more than just monetary, it’s about a deeper kind of engagement,” says Lewis. “It’s possible that as mobile access makes the game more of a frequent companion, as the rate of play increases, there’s this effect that players fall deeper into the community—their engagement deepens even more.” Interestingly, the shift to mobile access had the most significant impact precisely on those players whose pre-Switch in-game purchasing was lowest. These users, who were arguably most likely to disengage and drift away from the game, became significantly more active once the hand-held option became available. “If you have players spending less and less inside the game, the intuition is that these are the customers you are most at risk of losing,” says Lewis. “Bringing in the Switch has seen these customers—those more prone to churn—actively reengage with the game, maybe because they have greater propensity for the mobile version.” Either way, this should be a particularly interesting finding for marketers, he adds; retaining existing users is typically cheaper than attracting new ones. “The evidence suggests that mobile access can serve not only as a growth strategy, but also a defensive one if it helps keep marginal users engaged; those who might otherwise have detached from the product altogether.” Help Them Switch So far, so encouraging. There is one potential downside to porting a game or online product to a new channel, however, and that is usability. Lewis and Jo find that players who switched between platforms experience a slight, initial decline in in-game performance—likely because of differences in the control systems between devices. Players who’ve been using keyboard and mouse controls may need time to adapt to hand-held controllers. To mitigate this, he and Jo suggest that producers could offer tutorials or introductory gameplay modes that accelerate the learning curve as users adjust to the new interface. In most cases, usability should be factored in as an additional, hidden cost, when developers and organizations are contemplating investing in more online customer touchpoints. “Expanding your online channels will always have some cost. Taking a game from one platform and porting it to another one isn’t free, so you will want to anticipate the hurdles, even as you weigh up the clear benefits,” says Lewis. “The key is to make sure you protect your users. With things like video games, you want to think about how to guide or upskill your players, maybe have them play bots at first to ramp up their capabilities. Whenever you create a new channel that has a different operating system from the user’s perspective, you’re probably going to want to provide some aid to your fan community.” The benefits of omni-channel access should always be weighted against the costs involved, counsels Lewis. Even so, today’s competitive pressures—the seemingly inexorable march of technological innovation and evolving user expectations—are likely to make platform expansion unavoidable for most online businesses. In the world of video gaming, as major franchises release new products across multiple platforms, and player preferences become more sophisticated, companies may simply have to adopt similar strategies to remain competitive. “As everyone else invests in the same new technologies, you almost have to do the same—just as a matter of doing business,” says Lewis. “If you are launching a video game, you’ve got to compete with whatever Call of Duty or Grand Theft Auto are doing. You can’t just tell your players they can only engage on one platform. The competition is continuously raising the stakes just in terms of the bare minimum.” Building Fandom: the Connective Cultural Tissue More broadly, Lewis and Jo’s findings speak to how human beings form communities of shared passion around business entities and, perhaps more compellingly, around cultural phenomena: video games, for sure, but also sports teams, music, films, comic books, fashion, and more. Understanding the mechanisms that drive and deepen engagement sheds more light on what Lewis calls the “connective cultural tissue of fandom: ”the powerful social bonds, camaraderie, and shared identity that connect people to cultural entities and to each other. Fandom, he argues, is the “key to our world.” Understanding fan behavior is critical to understanding how it is that games, brands, sporting teams, or politics forge communities built on shared passion. “Whatever your organization or business is, you are going to be interested in driving passion. You want people to engage and love what you do. What we’re looking at in this study is a building block towards understanding how cultural entities fit into consumers’ lives, and how eliminating barriers helps to expand communities and drive relationships—extending reach and engagement by weaving cultural experiences more deeply into everyday life.” The real challenge in front of organizations, be they video game producers or online retailers, says Lewis, is to give their product the kind of “cultural meaning” that creates fans—and not just users. “When you think about the behavior of fans, the level of passion and engagement that exists around cultural phenomena—whatever they are from video games to FIFA, the English Football League to the Super Bowl, Taylor Swift to the Republican Party—that’s where you see the passion that really drives the world. And that to me, is critical in understanding how business works, how societies function, and how our world evolves.”

How the Class of 2026 can keep resumes out of the digital black hole

Students set to graduate this May are entering a job market where the rules of engagement are being rewritten in real-time. AI is both friend and foe, and ghosting has become the norm. University of Delaware career expert Jill Panté shares how college students can navigate these challenges in a rapidly shifting economy. Panté, director of the Lerner Career Services Center at UD, can apply her expertise to the following: The AI recruitment gap • How to prevent resumes from falling into the "digital black hole" of automated tracking systems. • Current recruitment in 2026 is heavily filtered by AI. If resumes don't mirror the language of the job description, a human might never even see it. • In 2026, AI is the gatekeeper. Students who aren’t using AI for assistance are working twice as hard for half the results. However, the goal is to use it as a co-pilot, not an autopilot. Beat the bots (tailor your content) • Use tools like Resume Worded or Generative AI like Microsoft Co-Pilot or Gemini to see how resumes stack up against specific job postings. • It is better to send five highly tailored, thoughtful applications than 50 generic ones that get auto-rejected by an algorithm. • Use AI to run a mock interview based on the job description and company. The "hidden” job market • If a "job search" consists solely of clicking "Easy Apply" on LinkedIn for six hours a day, it’s not searching; it’s just doom-scrolling with a resume. Roughly 80% of your time should be spent talking to humans. The other 20% should be spent on applications and research. • Find the recruiter or a department head on LinkedIn. Send a brief (2-3 sentence) note reiterating your interest. • Leverage alumni networks through LinkedIn. Narrative branding • Especially for Gen Z: Hiring managers don't just want to know what you did; they want to know the impact you made. • Instead of saying "Responsible for social media,” say "Increased engagement by 40% over 3 months by implementing a new video strategy." • Always lead with results (LinkedIn, resume, Interviews) to showcase the value you bring. Workforce anxiety • Managing the mental toll of the modern, high-speed job search and the professional "ghosting" epidemic. • Establish a personal "Board of Directors" to provide a balance of support, accountability and feedback. • Maintain momentum by volunteering, attending local networking events and learning new skills on platforms like LinkedIn Learning and Coursera. To reach Jill Panté directly and arrange an interview, visit her profile and click on the “contact” button.

Pope Leo XIV Faces Both Historic and Novel Challenges as He Enters the Second Year of His Papacy

In his first appearance on the balcony of St. Peter’s Basilica, Pope Leo XIV shared with the world a message of hope, communion and reconciliation, emphasizing the need to “build bridges with dialogue and encounter so we can all be one people always in peace.” Throughout the last 12 months, the Pontiff has placed these values at the forefront of his work and ministry, pairing active collaboration with prayerful contemplation in his leadership of the world’s 1.4 billion Catholics. In the coming years, that emphasis is likely to continue, as the Pope addresses longstanding rifts and evolving challenges within the Church and beyond. Asked to consider the most striking aspects of his early papacy, and to reflect on the most pressing issues he currently faces, Villanova faculty members studying the pontificate had a wide variety of responses. Jaisy A. Joseph, PhD Assistant Professor of Theology and Religious Studies For Dr. Joseph, Pope Leo’s first year has been defined by a spiritual vision centered on unity, listening and shared responsibility. “From the beginning of his papacy, Leo emphasized that we are a synodal Church working towards peace and moving forward together. Leo’s Augustinian formation will absolutely leave its imprint on what Pope Francis started. While the two have distinct personalities and styles, there is a fundamental continuity with Francis that Leo has signaled. Leo stresses that at the core of the Church is a deeper desire for a spirituality of ‘we’—a Church rooted in deep listening and bold speaking. This is where the Augustinian charism makes itself known. “This unity does not erase differences. Instead, it asks, ‘How do we create friendships that are strong enough to bear the tensions of our differences?’ In a world shaped by ‘us versus them,’ Leo insists on recognizing Christ in the completely different ‘other.’ “Finally, his leadership style is marked by discernment. Listening is so critical to him, and any caution he displays is not out of fear but wanting to listen before speaking. In a noisy world, he insists that we just need silence—trusting that through shared listening, the Church can move forward together.” Luca Cottini, PhD Professor of Italian Studies For Dr. Cottini, Pope Leo’s first year has been marked by a clear effort to position the Church in active dialogue with the modern world—especially in response to emerging global challenges, migration and an increasingly interconnected faith community. He draws parallels to the priorities of Leo XIV’s namesake, Pope Leo XIII. “Catholic social doctrine is a doctrine that the Church established to address subjects that are not directly written about in the Gospel. This doctrine was important for Pope Leo XIII and is increasingly important for Leo XIV as well. ‘Leo’ is a name that relates back to Catholic social doctrine and the need to read the changing signs of the times. By choosing the name ‘Leo,’ the Pope signaled his desire to respond to contemporary issues. “Leo XIV has also harkened back to Leo XIII in his first year by viewing migration and immigration not as a plight, but rather as an opportunity to enter into contact with new worlds. This approach connects to Leo XIV’s own background and perspective, which includes both proximity to and distance from the United States, giving him both an outsider and insider perspective as well as a critical thinking lens on these issues. “Lastly, Leo XIV has used his first year to elevate this idea of a universal Church that is much needed, shaped by his global exposure and an ability to see the world through the lens of others. He sees that we can dialogue with the world, approaching modernity not as an enemy but as something to engage with.” Patrick McKinley Brennan, JD John F. Scarpa Chair in Catholic Legal Studies According to Professor Brennan, “One of the issues that is on the Pope’s radar and has been from before the conclave is the question of the traditional Latin Mass,” a cause championed by various cardinals, bishops, priests and lay faithful around the globe. As he shares, it is a matter of great interest to a small but growing number of Catholics who recall Pope Benedict XVI’s statement that the traditional Mass—the Mass as it was celebrated by most Catholics since 1570—was “never juridically abrogated” following the Second Vatican Council. “Pope John Paul II in the 1980s, and then Pope Benedict XVI in 2007, liberalized access around the world to the traditional Mass. But Pope Francis revoked most of those permissions, citing ‘facts’ that have subsequently been called into question by investigative journalists and others. Pope Francis issued a document called Traditionis custodes, which [went against] the permissions that Benedict XVI gave in a document called Summorum pontificum in July 2007. “Now, the leadership of the Society of St. Pius X [an anti-modernist priestly fraternity] have announced that they’re going to ordain new bishops, the exact thing that got some of their predecessors excommunicated in 1988, so that the traditional Mass can continue to be celebrated and other sacraments can continue to be provided to Catholics according to the traditional rites. Reading between the lines, I think the Society of St. Pius X is trying to force Pope Leo’s hand on the Latin Mass. He’s been biding his time, working out how to respond to this hard question, and I think they’ve just decided that it’s an all-or-nothing situation. “It’s an example of how Pope Leo inherited some big problems, and I think most of the cardinals who elected him thought that they had chosen someone who, because he can listen and is committed to unity, will try his very best to find a solution that remains faithful to Catholic doctrine while bringing in as many voices as possible. Ironically, Pope Francis reduced legitimate diversity in Catholic liturgy, and while Pope Leo has a chance to restore that diversity, he has to do so in a way that addresses the irregular situation of the Society of St. Pius X.” Ilia Delio, OSF, PhD Josephine C. Connelly Endowed Chair in Christian Theology Looking ahead, Sister Delio says one of the most significant social developments Pope Leo must face is the rise of advanced technologies—in particular, increasingly sophisticated artificial intelligence models. “Our theological anthropology needs a bit of updating, as it does not currently meet the needs of our very complex world today. There are a lot of discussions on artificial intelligence and advanced technology, but the problem is that these technologies are already here and rapidly advancing. “So, we have to face this reality, not by asking ‘What is happening to us?’ but ‘What are we becoming with our technologies?’ and ‘How best can we remain human in an AI world?’ I think Pope Leo is asking similar questions, considering what makes the human person the image of God, what makes us distinct and whether there are human values that cannot be downloaded or reproduced in a digital medium. “At the same time, we must ask: Can technology deepen the human spirit by enabling a new level of collective life? Can AI technology empower the Body of Christ?” To speak with any of these faculty experts, please contact mediaexperts@villanova.edu.

From “Covfefe” to commanding the algorithm: How Trump turned memes into political power

A recent analysis by CNN traces how Donald Trump’s relationship with internet culture has evolved from accidental viral moments into a deliberate, highly effective communications strategy. The article highlights how memes, once unpredictable and grassroots, have become a central tool in shaping political narratives, driving engagement and bypassing traditional media channels. Some of the great insight and perspective in the article comes from Dannagal Young, whose insights help explain why this strategy resonates so strongly. Young emphasizes that memes act as powerful emotional and cultural signals, allowing political messages to travel quickly while reinforcing identity and belief among audiences. What began with moments of internet spontaneity has matured into a calculated approach that blends humor, provocation and simplicity to dominate attention in a crowded digital landscape. “The entire ethos and aesthetic of this administration is spectacle and subversion of norms,” Young said. “You don’t do that through deliberation or argument, but through symbols.”  Her perspective, as presented in the CNN article, underscores a broader shift: political influence is increasingly shaped by content that feels native to the internet, where relatability, repetition and shareability often matter more than traditional policy-driven messaging. ABOUT DANNAGAL G. YOUNG Dannagal G. Young is a Professor of Communication and Political Science at the University of Delaware where she studies the content, audience and effects of nontraditional political information. She has published over sixty academic articles and book chapters on the content, psychology and effects of political information, satire and misinformation. 

When the Cheque Stops Coming: Canada Post, Seniors, and the Quiet Cost of Modernization

There’s an old line that has saved more awkward conversations than most of us care to admit: “The cheque is in the mail.” It has been used to buy time, soften bad news, and occasionally stretch the definition of truth. But it worked because, deep down, everyone believed the premise. The mail would come. Eventually. Reliably. Without negotiation. That quiet assumption carried a surprising amount of weight — especially for the 79-year-old navigating an icy driveway. Now, it seems, even that assumption is up for review. I understand the economic argument. Big Losses: The official Canada Post 2024 Annual Report shows they have racked up $3.8 billion in losses since 2018.  Lower Letter Volumes: The shift to email has hit Canada Post hard.  Letter volumes have dropped dramatically.  Less in the mailbag equals far less revenue to offset costs.  Increasing Costs Factors: The number of Canadian addresses continues to grow. The math is not subtle, and change is clearly required.  But this deserves more attention.  Modernization is not the problem. Thoughtless modernization is. Cuts to Canada Post Service May Not Land Equally Not all Canadians experience change the same way, and this particular shift will land unevenly if proper consultation isn't done. We're getting older: According to Statistics Canada, nearly one in five Canadians is now over the age of 65, and that proportion continues to rise. A meaningful share of those older Canadians also live outside major urban centers. We're spread out geographically: Depending on how you measure it, we're also far apart compared to most other countries.  According to the Public Health Agency of Canada & the Vanier Institute of the Family, roughly one-quarter to one-third of seniors live in rural or small communities, where services are more dispersed, and distances are longer. Rural Canada is also aging faster than urban Canada. In other words, the places most likely to lose convenient access are often the places with the highest concentration of people who rely on it. This is not a niche issue. It is a structural one. The Real Issue Isn’t the Mailbox. It’s the Journey. Policy discussions tend to reduce this to a simple question of location. Move the mailbox, problem solved.  But the issue is not where the mailbox is. The issue is whether someone can get to it safely, consistently, and without turning a routine task into a risk calculation. I am thinking of a client. She is 79, sharp, organized, and fully in charge of her life. Her bills are paid on time, her paperwork is immaculate, and she has no interest in becoming dependent on anyone.  In the summer, she walks daily without a second thought. In the winter, she studies the ground before every step. Ice changes everything. A short walk becomes a decision. A slightly longer one becomes a concern. For her, a community mailbox is not a mild inconvenience. It is a variable she now has to manage.  That is the difference between designing for the ideal user and designing for the real one. Mail Still Matters More Than We Pretend There is a quiet assumption that everything important has already moved online. That assumption works well for people who are comfortable navigating digital systems. It does not work for everyone. For many seniors, mail remains the backbone of how they manage their lives. Pension statements, government notices, insurance documents, tax slips, prescription information, and replacement banking cards still arrive in envelopes, not inboxes. And yes, occasionally, an actual cheque. The phrase “the cheque is in the mail” may be fading, but the need behind it has not disappeared. For some Canadians, that envelope still represents income, security, and peace of mind. Digital systems are efficient when they work. When they do not, they can be frustrating and, at times, risky. One expired password or one convincing phishing email can turn a simple task into an afternoon of confusion. It is easy to underestimate the value of paper systems when you no longer rely on them. It is harder to replace them when you still do. Efficiency Has a Way of Moving Downward There is a pattern in modern service design worth naming. Call it effort laundering: the practice of shifting work from institutions to individuals in the name of efficiency. We see it in banking, where branches quietly disappear. We see it in healthcare systems that assume patients are comfortable online. We see it in customer service models built around apps and automated menus. And now we may see it in mail delivery. Where the service moves from your front door to a location you must reach yourself. For many Canadians, this is manageable. For others, it is not. When the burden of efficiency lands on those least able to absorb it, the system may be efficient on paper but inequitable in practice. If Change Is Necessary, It Should Be Smarter I understand that change is necessary. The cost differences between door-to-door delivery and centralized delivery are real, and the financial pressures on Canada Post are not going away. But the choice is not between doing nothing and eliminating access. There is a middle path, and other countries have already explored it. In Norway, proposed postal reforms included reducing delivery frequency to once per week. Following public consultation, the government stepped back earlier this year from that plan and maintained more frequent delivery, recognizing the impact on certain populations (Norwegian Ministry of Transport, 2026). In the United Kingdom, the regulator Ofcom has examined reducing delivery to 5 or even 3 days per week as a way to manage costs while preserving universal service (Ofcom, 2025). Research from Sweden and New Zealand shows that older adults rely more heavily on traditional mail systems than the general population, particularly for official and financial communication (Crew & Kleindorfer, 2012; New Zealand Ministry of Business, Innovation and Employment, 2021). These examples point to a practical conclusion. Reducing frequency can achieve savings without removing access. Eliminating access altogether is a different decision with different consequences. Canada Is Not Denmark Denmark has gone further than most, effectively ending traditional letter delivery after a dramatic decline in mail volumes of roughly 90 percent since 2000. The move is often cited as a model of modernization. It should be considered with caution. Denmark operates within a context of high digital adoption, a compact geography, and milder weather conditions. Notably, Canada’s digital divide among seniors is more pronounced than Denmark’s, meaning the proportion of older Canadians who cannot easily go online is higher to begin with. Even so, a significant number of Danish residents have been classified as "digitally exempt" and continue to rely on alternative arrangements to receive essential communications (PostNord, 2025). Canada is not Denmark. Our geography is larger, our winters are harsher, and our population is more dispersed.  Also, we play better hockey.  If Home Delivery Changes, People Will Adapt Canadians are remarkably adaptable, and seniors are often the most resourceful of all. If home delivery is reduced, practical solutions will emerge. Neighbours will organize. Families will build mail pickup into regular visits, turning a logistical task into a reason to connect. Some seniors will finally set up paperless billing, one account at a time. These are workable adjustments. But they should be supported by thoughtful policy, not forced by avoidable design choices. The Problem With Accommodation Accommodation programs will likely exist, but their effectiveness depends on how easy they are to access. Systems that require people to search, apply, document their needs, and follow up repeatedly tend to favour those with the time and persistence to navigate them. The seniors who most need support are often the least inclined to engage in that process. The real test is not whether accommodation exists. It is whether it is simple, visible, and available before a problem becomes a crisis. This Is About More Than Mail At its core, this debate is not really about mail. It is about independence. It is about whether people can continue to manage their own lives without unnecessary friction. It is about whether public systems are designed for real users rather than ideal ones. The ideal user is mobile, tech-savvy, and well-supported. The real user may be older, living alone, and quietly determined to remain independent. That determination deserves to be supported, not complicated. Modernization, With a Memory Home delivery is not just a legacy feature. For many seniors, it remains a small but meaningful part of how life stays organized and manageable. When that support disappears, the burden does not disappear with it. It shifts to individuals, to families, and to systems that will eventually feel the impact. If the greatest disruption falls on those least able to absorb it, the design needs a second look. And About That Cheque... We may be moving toward a world where fewer things arrive by mail. That is probably inevitable. But before we retire the idea entirely, it is worth remembering why that old line worked in the first place. “The cheque is in the mail” was believable because the system behind it was dependable. It showed up. It connected people. It did its job quietly and consistently.  Modernization should aim for the same thing.  Not nostalgia. Not resistance to change. Just reliability that works for everyone. Because if the day comes when the cheque is no longer in the mail, we should at least be able to say that whatever replaces it works just as well for the people who need it most. Ideally, without requiring ice cleats, a flashlight, and a willingness to sign a waiver. Sue Don’t Retire…ReWire! My Book is Now Available for Pre-Order I hope you will consider pre-ordering a copy of Your Retirement Reset for you, a friend or loved one.  It's available September 8, 2026 - You can now order on the ECW Press site here. And if you love supporting Canadian booksellers, please also check with your local independent bookstore. Most can easily order it for you.

Using AI tools empowers and burdens users in online Q&A communities

Whether you’ve searched for cooking tips on Reddit, troubleshooted tech problems on community forums or asked questions on platforms like Quora, you’ve benefited from online help communities. These digital spaces rely on people across the world to contribute their knowledge for free, and have become an essential tool for solving problems and learning new skills. New research reveals that generative artificial intelligence tools like ChatGPT are creating a double-edge effect on users in these communities, simultaneously making them more helpful while potentially overwhelming them to the point of decreasing their responses. “On the positive side, AI helps users learn to write more organized and readable answers, leading to a noticeable increase in the number of responses,” explained Liangfei Qiu, Ph.D., study coauthor and PricewaterhouseCoopers Professor at the University of Florida Warrington College of Business. “However, when users rely too heavily on AI, the mental effort required to process and refine AI outputs can actually reduce participation. In other words, AI both empowers and burdens contributors: it enables more engagement and better readability, but too much reliance can slow people down.” The study examined Stack Overflow, one of the world’s largest question-and-answer coding platforms for computer programmers, to investigate the impact of generative AI on both the quality and quantity of user contributions. Qiu and his coauthor Guohou Shan of Northeastern University’s D’Amore-McKim School of Business measured the impact of AI on users’ number of answers generated per day, answer length and readability. Specifically, they found that users who used AI tools to generate their responses contributed almost 17% more answers per day compared to those who didn’t use AI. The answers generated with AI were both shorter by about 23% and easier to read. However, when people relied too heavily on AI tools, their participation decreased. Qiu and Shan noted that the additional cognitive burden associated with heavier AI usage negatively affected the impact on a user’s answer quality. For online help communities grappling with AI policies, this research provides valuable insight into how these policies can be updated in the current AI environment. While some communities, like Stack Overflow, have banned AI tools, this research suggests that a more nuanced approach could be a better solution. Instead of banning AI entirely, the researchers suggest striking a balance between allowing AI usage while promoting responsible and moderated use. This approach, they argue, would enable users to benefit from efficiency and learning opportunities, while not compromising quality content and user cognition. “For platform leaders, the takeaway is clear: AI can boost participation if thoughtfully integrated, but its cognitive demands must be managed to sustain long-term user contributions,” Qiu said.

April 1st is the one day we all expect to be fooled. Scammers are counting on the other 364

Breaking News: Free Cruise for All Retirees! Congratulations!!! If you are reading this, you have just been chosen for a luxury Caribbean cruise, a $5,000 shopping spree, and a lifetime supply of… well, something vaguely exciting. All you need to do is: Click this link, enter your banking info, confirm your SIN, and maybe your childhood pet's name for good measure. Still reading?  Good. Because if that opening gave you even the tiniest thrill, the little flutter of wait, really? You've just experienced exactly what scammers are counting on. APRIL FOOL'S!!! And also: welcome to the world of phishing. Population: way too many of us. Phishing vs. Fishing: A Retirement Skill You Didn't Know You Needed There are two kinds of fishing in retirement.  One involves a dock, a thermos of good coffee, and no deadlines at all. The fish might or might not cooperate. That's fine. That's the whole point. The other scenario involves someone trying to steal your identity by congratulating you on a cruise you never booked, a prize you never won, and a windfall that demands your banking details, your SIN, and, just for fun, the name of your first pet. (Buttons. It's always Buttons.) Let's make sure you're fluent in the first kind and bulletproof against the second. Fraud Doesn't Just Happen to Fools Here's something important to say aloud before we proceed. Fraud isn't caused by people being careless, gullible, or old. It is orchestrated by professionals whose full-time job is to manipulate human behaviour under pressure. There is a clear difference between these two, and how we discuss fraud influences whether victims come forward or stay silent out of shame. This issue is more significant than most realize. Canadians lost over $638 million to fraud in 2024, an increase from $578 million the previous year, according to the Canadian Anti-Fraud Centre. However, that figure only tells part of the story. The CAFC estimates that just 5 to 10 percent of total fraud losses are ever reported. Think about that for a moment. The number we see is already staggering, and the real total is almost certainly ten times higher. Seniors make up a disproportionate share of those losses, especially in investment fraud, romance scams, and the grandparent scam. But here's the part the statistics don't show: fraud is improving at its craft. These aren't the poorly written emails of 2005. Today's scams are refined, patient, and psychologically targeted. They're designed to create urgency, confusion, and fear — aiming to override careful thinking precisely when it's needed most. So let's talk about what that actually looks like. A Very Personal Fraud Story That Will Stay With You A family reached out to me recently, after reading one of my earlier posts on fraud and seniors. Their father had been the victim of a prolonged scam, one that unfolded over months and caused significant financial damage. They only found out after he passed away. Three things about this story stopped me cold. First, their father kept meticulous records. He journaled every interaction, every step, every decision. There was essentially a play-by-play account of how he became entangled and how difficult it became to find a way out. Second, he was an intensely private person. Not a single family member knew any of it was happening while it was happening. Third, he was a chartered professional accountant. Decades of financial training, discipline, and experience. Someone who understood numbers, risk, and how money moves better than most people ever will. And still. Under the right conditions, with the right psychological pressure applied at the right moments, he was drawn in. That is not a story about a foolish man. That is a story about how sophisticated fraud has become. And it is a story that is playing out in living rooms and email inboxes across this country every single day. Why Seniors Are Targeted (And It's Not What You Think) Scammers don't just go after older adults because they think we're naive. They go after us because we have assets. Savings. Home equity. Good credit. Pension income that actually shows up every month. We're not easy targets; we're valuable ones. They also go after us because retirement can come with conditions that fraud is specifically designed to exploit: financial anxiety about making savings last, changes in how we process decisions under pressure, and, for many, reduced opportunities to run something by a trusted person before acting. Social isolation is not a character flaw. It is a vulnerability, and the people running these operations know exactly how to use it. The Scams You Actually Need to Know About The Grandparent Scam. You get a call. It's your grandchild. They're in trouble, arrested, in an accident, stranded, and they need money right now. Please don't tell Mom and Dad. The caller may not even sound exactly right, but panic has a way of filling in the gaps. Sometimes a fake lawyer or police officer jumps on the line to add credibility. The script is designed to bypass your rational brain and go straight for your heart. If this ever happens: hang up. Call your grandchild directly on a number you already have. Every time. The CRA Impersonation Call. This one is especially popular at tax time.  An official-sounding voice informs you that you owe back taxes and if you don't pay immediately via e-transfer or gift cards, a warrant will be issued for your arrest. The Canada Revenue Agency does not call you out of the blue demanding gift cards. Full stop. If you're ever unsure, hang up and call the CRA directly as 1-800-959-8281. The Romance Scam. Someone finds you online, charming, attentive, almost too good to be true. Weeks or months in, a crisis emerges. Could you help, just this once? These scams are emotionally brutal and financially devastating. If an online relationship moves unusually fast and a financial request follows, that's not love. That's a script. The Investment Opportunity. Guaranteed returns. Exclusive access. Limited time. These words belong together the way "healthy" and "deep-fried" don't. Legitimate investments don't come with countdown clocks. Phishing Emails and Texts. These mimic your bank, Canada Post, Service Canada, Amazon, and anything you'd recognize. They look almost right. The email address is a little off. The link goes somewhere slightly wrong. They want you to click, to enter information, to act now before something bad happens. The urgency is the tell. No Shame. Seriously. None.  If this has happened to you, or someone you love, please hear this: falling for a scam does not mean you are getting old, losing it, or slipping cognitively. It means you are human and were placed under carefully engineered psychological pressure by someone who practices this for a living. That is it. The end. And if you need a reminder that this crosses every age and profession, consider the case of a retired district court judge who lost the equivalent of over $100,000 to a digital arrest scam. Fraudsters called claiming his phone number was linked to a trafficking investigation. Despite decades on the bench watching deception unfold in real time, fear and intimidation did what all that professional knowledge could not protect against. A judge. Still got hooked. That is what these scams do when they are built well. (Source: Devdiscourse) RCMP Sergeant Guy Paul Larocque of the Canadian Anti-Fraud Centre puts it plainly: "Fraudsters are professional salespeople who work a target until they close the deal and get their money." That framing matters. You would not blame yourself for being sold something by a skilled salesperson operating under false pretenses. This is no different. The embarrassment is real and completely understandable. However, it does not fairly reflect what occurred. The CAFC has pointed out that many individuals feel ashamed of being victims of fraud and hesitate to report it, but every report helps break up fraud schemes and protect others. Reporting to the Royal Canadian Mounted Police is not a sign of failure; it is a vital way to safeguard the next person. A Word to Family Members re: Fraud: Drop It Like It's Hot If someone you care about has been scammed, put down whatever you are holding, take a breath, and read this carefully. Do not scold them. Do not lecture them. Do not "grandsplain" them into the ground. Grandsplaining, for the uninitiated, is mansplaining for the aged, and it is just as unwelcome. Nobody needs a slow, patient, thoroughly detailed breakdown of everything they should have done differently while they sit there wishing the floor would open up and swallow them whole. They already know. They feel terrible. They have probably been replaying every moment of it since it happened, asking themselves how they missed it, why they trusted it, and what they were thinking.  What they do not need is you asking those same questions out loud. Your role at this moment isn't to be the smartest person in the room. It's not to claim you would never have fallen for something like this. And it's certainly not to start a sentence with "well, I always said you should..." because if you finish that sentence, you're on your own. Your job is to be kind. Full stop. Help them contact the bank. Sit with them while they file the report. Make the tea. Handle the phone call they are too rattled to make. Be the calm in the room. That is what love looks like in a crisis, and this is a crisis. Now here is the part where the tables turn, so pay attention. Scammers are not ageist. They are not sitting in a room somewhere saying, "Let's only go after the over-65s today." They go after anyone with money, a phone, and a moment of distraction. Which means they go after everyone. Your inbox is not immune. Your judgment under pressure is not immune. Your "I would never fall for that" confidence is, frankly, exactly the kind of thing scammers count on. Fraud can happen to anyone, and sharing your experience with others, whether or not money was lost, can help prevent them from being victimized by the same or a similar fraud. Nobody is too sharp, too young, or too digitally savvy to be targeted. The call is coming for all of us eventually. So when it comes for you, and you call your mother in a panic, wouldn't you rather she answer with warmth instead of a very long "I told you so"? Be nice to her now. Consider it an investment. One day, she might be the one sitting you down for "the talk." And at that point, the only appropriate response is to make the tea and keep your opinions to yourself. What the Experts Say: Practical Tips to Stop Fraud In my book "Your Retirement Reset" (ECW Press: Now available for Pre-Order here), I cover the topic of fraud and scams." I wanted to address this issue in depth because fraud prevention is not a footnote in retirement planning. It belongs front and center. Here is an excerpt of Chapter 9 of the book: "Remember the old saying, 'Nothing ever comes free'? While it is hard for many seasoned Canadians not to trust a caller, unfortunately, that's the way of the world today. Here are some tips for protecting yourself. Be skeptical. Be wary of unsolicited phone calls, emails, or messages, especially those asking for personal information or money. Don't take their word for it. Ask the person for their details. If they say they are calling from your bank, get their name and branch number and call your bank for verification. If the message is in an email, contact the institution identified in the email. Do not respond right away, ever. Don't share personal information. Never share personal, financial, or health information with unknown individuals or organizations. Consult trusted individuals. Discuss suspicious offers or communications with family members, friends, or trusted advisors. This is especially important if you are asked to donate to a charity or make any kind of financial investment. Use technology wisely. Install antivirus software, create strong passwords, and stay alert to phishing tactics such as harmful links in texts or emails. Use the block feature on your phone to cut off repeat callers you suspect are fraud artists. Work closely with your financial institution. Ask your bank to send alerts for any unusual activity on your account. Review your statements every month and report unauthorized transactions immediately. Report suspicious activity. If you suspect a scam has targeted you, contact the police. Stay informed. Keep up to date on prevalent scams aimed at older adults. A quick Google search on any unsolicited information request can often tell you whether it has already been flagged. These scams are frequently reported to authorities and featured in the media and on consumer advocacy websites." How to Stay Off the Hook When It Comes to Fraud A little friction can be helpful. Scammers depend on speed, on you reacting before you think. The best thing you can do is slow down. Avoid clicking links in unexpected messages; instead, go directly to the company's website by typing it yourself. Call back on a number you find independently, not one provided in the suspicious message. Check email addresses carefully, as a transposed letter can sometimes be all it takes. Keep your devices updated, since those updates fix real vulnerabilities. Discuss these topics openly. With your kids, friends, book club, or the person behind you in the coffee line. Scams flourish in silence and shame. Talking honestly is one of our strongest protections. In retirement, urgency belongs in spin class. Not your inbox. What to Do If You Took the Bait No judgment here. These scams are truly sophisticated. Smart, experienced, financially educated people fall for them, as we've just established. If you think you've been scammed, stop engaging immediately, change your passwords, contact your bank to flag or freeze your account, run a security scan on your device, and report it to the Canadian Anti-Fraud Centre at 1-888-495-8501. Reporting matters even if you cannot recover the money. It protects the next person in line. Think of it as cutting the line before the fish swims off with your whole tackle box. 3 Things Worth Setting Up This Week to Protect Yourself from Fraud These take 20 minutes and quietly protect you around the clock. Two-factor authentication (2FA) adds a second verification step. It's usually a text code. And it helps ensure that a stolen password alone won't give access to your accounts. Credit Card controls allow you to lock and unlock your debit or credit card instantly through your bank's app, so if something seems suspicious, you can freeze it within seconds. Real-time alerts enable you to set notifications for any transaction over a threshold you specify, so if someone is spending your money, you are informed immediately, rather than finding out at the end of the month when the damage is already done. Don't Get Hooked by Fraud.  Retirement should be about freedom. The freedom to fish from a proper dock, travel somewhere warm, and spend your money on things that truly bring you happiness. It's not meant to involve fake urgency, suspicious links, or people who want your SIN and the name of your childhood cat. We Need to Do More to Protect Seniors The fraud prevention system in this country, to be frank, hasn't kept pace with the rise of fraud itself. That gap is real, it's growing, and it needs more attention than it currently gets. Meanwhile, the best we can do is stay informed, keep in touch with trusted people, and not let embarrassment prevent us from seeking help or reporting what happened. You worked hard for what you have. You deserve to enjoy it without looking over your shoulder. So enjoy the lake. Take the cruise — a real one that you booked yourself. Spend wisely, live well, and protect what's yours. And if anyone ever tells you that you've won something you never entered? Smile. Wish them a Happy April Fool's. Then hang up. Have a scam story, a close call, or thoughts on what fraud prevention is getting right or getting wrong? I would love to hear from you. Drop it in the comments or send me a note. This is exactly the kind of conversation we should all be having, and the more real experiences we share, the better equipped we all are to protect each other. Sue Don't Retire…ReWire! My Book is Now Available for Pre-Order If this message speaks to you, or to someone you love, I hope you will pre-order a copy of Your Retirement Reset. Available September 8, 2026. Here's the link. And if you love supporting Canadian booksellers, please also check with your local independent bookstore. Most can easily order it for you.

Fewer Parents are Reading to Their Kids—and Why It Matters

A dramatic decline in reading for pleasure in the United States has fewer American parents reading aloud to their children — and experts warn the consequences can be dire. “It builds connections,” Carol Anne St. George, an expert in early literacy at the University of Rochester’s Warner School of Education and Human Development, recently told The74 for an article citing a 41-percent decline in parents reading to children daily. “People talk about text to text, text to world,” St. George said, “and those are the kinds of things that help children cognitively think and classify their world around them.” Many young parents grew up in an education system focused on reading as a means to testing and building skills rather than enjoyment. As a result, St. George worries, they often view reading to their young as an obligation rather than a joy and a time to bond. Experts say an increased reliance on screens and digital content and time pressures and competing demands on families have also fueled the decline. St. George notes that children benefit greatly from being read to regularly. The advantages of early literacy include: • Having a more robust vocabulary and stronger communications skills. • Being better prepared to learn in school. • Having a closer relationship with their parents. • Higher academic achievement and better health outcomes later in life. What Parents Can Do St. George advises parents to: • Let children choose books they enjoy. • Make reading part of a daily routine and that bedtime is ideal. • Focus on fun and connection. • Model good reading behavior because children mimic what they see. St. George is available for media interviews and can be reached by contacting Theresa Danylak, the director of communications at the Warner School, at tdanylak@warner.rochester.edu.

UF researchers aim to improve nutrition for cancer patients

A new study and first-of-its-kind food pharmacy at UF aim to help patients with cancer access and eat nutritious foods, giving them the best possible shot at a healthy future. As many as a third of cancer patients face food challenges, particularly in rural areas. Good nutrition can improve outcomes during and after treatment. With a grant from the Florida Department of Health, a team of researchers at the University of Florida Health Cancer Center and Sylvester Comprehensive Cancer Center will first assess the community’s nutritional needs. Then they’ll test the usefulness of a food-focused digital tool designed to connect patients to helpful resources. An on-site food pharmacy will help patients not only get the food they need to thrive but also provide tools for lasting change. “We’re taking a community-based approach to holistic cancer care,” said Dejana Braithwaite, Ph.D., associate director for population sciences at the UF Health Cancer Center. “Patients consistently express that nutrition is an important issue for them during cancer treatment. We want to address nutritional needs from treatment through survivorship with a sustainable intervention. ASCENT brings science and community together to make that a reality in Florida.” Braithwaite, a professor and division chief in the UF Department of Surgery, is leading the multi-institution study with Tracy Crane, Ph.D., R.D.N., director of lifestyle medicine, prevention and digital health and co-lead of the Cancer Control Program at Sylvester, part of the University of Miami Health System. Researchers from the UF colleges of Journalism, Medicine, and Public Health and Health Professions and UF/IFAS Extension are participating. The Florida Partnership for Adding Social Context to Address Cancer Survivorship Outcomes study, which the researchers have nicknamed ASCENT, will focus on those affected by the most prevalent cancers in Florida, including breast, lung, colorectal, prostate and blood cancers. “Cancer survivors who follow a healthy dietary pattern have a lower risk of recurrence and death,” said Cora Best, Ph.D., R.D.N., an assistant professor of nutritional sciences in the UF College of Agricultural and Life Sciences and study team member. “Some cancer therapies have long-term or late side effects that increase the risk for chronic conditions, like osteoporosis, which can be alleviated with good nutrition. That means a healthy diet during and after oncologic treatment can enhance lifespan and quality of life.” Researchers will start by conducting interviews with patients, providers and community-based organizations. They want to understand how to best use resources to meet the nutritional needs of those with cancer, such as food security and diet quality. “Community outreach and engagement with various groups is a cornerstone of the study,” said Francis Dalisay, Ph.D., an associate professor in the UF College of Journalism and Communications who helped develop the interview guides. The team will use the information to build a diet intervention with online surveys and patient navigator support, which they will test in a randomized clinical study at UF Health and Sylvester. Patient navigators will connect patients with resources like community programs or specialist referrals. The food pharmacy, located at the UF Clinical and Translational Sciences Metabolic Kitchen, will help cancer patients get healthy, whole nutrient-dense foods like high-protein items, fruits, vegetables and pantry staples. It will also provide workshops, personalized recipes and meal plans. Although the United States is a wealthy nation, food insecurity remains common, including in Florida, Best said. “The ASCENT study pairs evidence-based dietary guidance for cancer survivors with innovative strategies to overcome barriers like food insecurity,” she said. Ultimately, the study aims to empower patients so they can address lifestyle factors in their control, boosting their well-being. “I am hopeful this study will provide patients with appropriate resources to improve their overall nutrition, especially those who are malnourished,” said Paul Crispen, M.D., the Cancer Center’s associate director for clinical research and a study adviser.

New light-based chip boosts power efficiency of AI tasks 100 fold

A team of engineers has developed a new kind of computer chip that uses light instead of electricity to perform one of the most power-intensive parts of artificial intelligence — image recognition and similar pattern-finding tasks. Using light dramatically cuts the power needed to perform these tasks, with efficiency 10 or even 100 times that of current chips performing the same calculations. Using this approach could help rein in the enormous demand for electricity that is straining power grids and enable higher performance AI models and systems. This machine learning task, called “convolution,” is at the heart of how AI systems process pictures, videos and even language. Convolution operations currently require large amounts of computing resources and time. These new chips, though, use lasers and microscopic lenses fabricated onto circuit boards to perform convolutions with far less power and at faster speeds. In tests, the new chip successfully classified handwritten digits with about 98% accuracy, on par with traditional chips “Performing a key machine learning computation at near zero energy is a leap forward for future AI systems,” said study leader Volker J. Sorger, Ph.D., the Rhines Endowed Professor in Semiconductor Photonics at the University of Florida. “This is critical to keep scaling up AI capabilities in years to come.” “This is the first time anyone has put this type of optical computation on a chip and applied it to an AI neural network,” said Hangbo Yang, Ph.D., a research associate professor in Sorger’s group at UF and co-author of the study. Sorger’s team collaborated with researchers at UF’s Florida Semiconductor Institute, the University of California, Los Angeles and George Washington University on study. The team published their findings, which were supported by the Office of Naval Research, Sept. 8 in the journal Advanced Photonics The prototype chip uses two sets of miniature Fresnel lenses using standard manufacturing processes. These two-dimensional versions of the same lenses found in lighthouses are just a fraction of the width of a human hair. Machine learning data, such as from an image or other pattern-recognition tasks, are converted into laser light on-chip and passed through the lenses. The results are then converted back into a digital signal to complete the AI task. This lens-based convolution system is not only more computationally efficient, but it also reduces the computing time. Using light instead of electricity has other benefits, too. Sorger’s group designed a chip that could use different colored lasers to process multiple data streams in parallel. “We can have multiple wavelengths, or colors, of light passing through the lens at the same time,” Yang said. “That’s a key advantage of photonics.” Chip manufacturers, such as industry leader NVIDIA, already incorporate optical elements into other parts of their AI systems, which could make the addition of convolution lenses more seamless. “In the near future, chip-based optics will become a key part of every AI chip we use daily,” said Sorger, who is also deputy director for strategic initiatives at the Florida Semiconductor Institute. “And optical AI computing is next.”