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Peer-To-Peer Borrowing Surged During Pandemic, Research Finds

New research by Florida Tech assistant professor of business Alina Malkova, Ph.D explores how small businesses sought financing amid the COVID-19 pandemic’s unstable economic environment. Her paper, “Beyond banks: Navigating the shift to peer-to-peer lending for small enterprises,” published in the journal Research in Economics, developed a model to find whether the COVID-19 pandemic affected small-business owners’ demand for peer-to-peer (P2P) lending. Malkova found that more small business owners turned to P2P platforms during this time, primarily because they were more accessible and flexible than traditional banks. Borrowers could access P2P platforms online for convenient use, and the platforms’ advanced algorithms gave lenders more information about borrowers, such as neighborhood demographics, leading to a better understanding of their financial situation. “If you are an owner or borrower and you have short-term financial problems, it may help you,” Malkova says. “It helps you signal your situation.” Ultimately, Malkova says P2P platforms played critical role in overcoming financial barriers that inhibited small businesses in times of limited access to traditional funding. If you're interested in learning more or a reporter looking to speak with  Alina Malkova - simply contact Adam Lowenstein, Director of Media Communications at Florida Institute of Technology at adam@fit.edu to arrange an interview today.

J.S. Held Releases 2025 Global Risk Report Addressing Critical Risks Amid Uncertainty

On the first day of the new presidential administration in the United States, global consulting firm J.S. Held unveils its annual report focused on critical areas impacting industries and economies worldwide. Explore the 2025 J.S. Held Global Risk Report here: In an increasingly uncertain and volatile global landscape, businesses, governments, and investors face a growing array of challenges that demand immediate attention and innovative solutions. The 2025 J.S. Held Global Risk Report explores five interconnected topics that organizations must consider in managing risk and opportunity in the year ahead. These include: 1. Sustainability Investments & Headwinds: With various ESG regulations across jurisdictions and increasing scrutiny over corporate environmental and social practices, experts explore how organizations can align with evolving frameworks while driving innovation. 2. Global Supply Chain Challenges: From geopolitical conflicts to climate disruptions, the report analyzes how companies can build more resilient and sustainable supply chains. 3. Crypto & Digital Asset Intensification: As the crypto landscape transitions through regulatory shifts and technological advancements, the report highlights both the risks and opportunities for businesses and investors. 4. Artificial Intelligence, Data & Digital Regulatory Response: With Artificial Intelligence (AI) systems reshaping industries, experts examine the regulatory, ethical, and operational challenges, as well as the competitive advantages for organizations that harness this transformative technology responsibly. 5. Cybersecurity Complexities: From AI-powered cyberattacks to evolving data protection laws, the report provides insights into how organizations can safeguard operations and maintain customer trust in a rapidly shifting digital environment. The 2025 J.S. Held Global Risk Report includes an analysis of these categories of risk and actionable opportunities for companies to gain a competitive edge while addressing critical vulnerabilities. “The 25 technical, scientific, financial, and strategic advisory experts who contributed to the J.S. Held Global Risk Report have collaboratively parsed not only each risk independently but also at their unique points of intersection to create a framework to support business decision-making,” noted Greg Esslinger, Executive Vice President and Global Investigations Practice Leader. “Our experts’ deep understanding of the external factors related to the topics that keep CEOs, CFOs, COOs, CLOs, and Boards of Directors up at night drives the curated insights shared in the report and helps clients navigate risks and capitalize on emerging opportunities in the year ahead,” adds John Peiserich, Esq., Executive Vice President and Environmental, Health, & Safety Practice Leader. The depth and breadth of J.S. Held’s work in the insurance market provides a strong foundation in risk assessment, data analysis, global awareness, regulatory compliance, technological adaptability, and risk mitigation. Collectively, these skills better equip the firm’s experts to assess business risk across diverse geographies, geopolitical landscapes, compliance frameworks, and digital advancements. "In a world where uncertainty is the only constant, there is a need for something solid you can hold onto," observes J.S. Held Chief Executive Officer Jonathon Held. "Our name is our promise," he adds. "Our role as strategic advisor is emblematic of this promise, even in the face of the most daunting risks, clients have the expertise and guidance to act with confidence" "Agile, collaborative, and creative client-centric teams provide solution-forward advisory to our clients across the globe, no matter the scope or complexity of a project; the J.S. Held Global Risk Report is reflective of the trusted advisor role we have earned over the last 50 years," noted J.S. Held President and Chief Operating Officer Lee Spirer. J.S. Held's expertise in strategic advisory is built upon five decades of experience in the most rigorous venues – state, federal, and international courts – and spans more than 150 different industry segments. If you have any questions or would like to further discuss the risks and opportunities outlined in the report, please email GlobalRiskReport@jsheld.com. To connect with John Peiserich simply click on the expert's icon now. For any other media inquiries - simply contact : Kristi L. Stathis, J.S. Held +1 786 833 4864 Kristi.Stathis@JSHeld.com

GRANDSPLAINING...It's as Bad as it Sounds!

Summary: "Grandsplaining" is a playful term that captures the all-too-familiar situation where younger generations offer unsolicited advice to older family members, often in a manner that is as condescending as it is unhelpful. This behaviour can be perceived as disrespectful and potentially creates awkward communication barriers, emotional strain, and family tension. Rooted in ageist stereotypes, it can even undermine elders' self-esteem. Here, we explore alternatives to grandsplaining, including the radical concepts of genuinely listening, asking open-ended questions, demonstrating empathy, and avoiding assumptions. These suggestions aim to help adult children support their older family members—not merely swoop in with a "fix-it" attitude. The Disrespectful Impact of Condescending Advice on Seniors When I helped older Canadians navigate financing their retirements, I often witnessed what can only be described as "grandsplaining in the wild." Conversations between adult children and their elders usually felt less like dialogues and more like lectures—one-sided advice sessions that left everyone gritting their teeth. The younger relative, likely well-meaning, would offer suggestions like, “You should downsize and buy a condo,” “Sell and rent,” or, the pièce de resistance, “Move in with family!” Judging by the withering looks from their elders, it was clear this approach wasn’t winning any "Favorite Child" awards. The older family members often felt patronized, as though their decades of life experience had been conveniently forgotten. The advice was condescending, painfully obvious, and usually impractical or unwanted. The dynamic reminded me of the cringeworthy experience of being "mansplained." And that’s when it hit me: this is “grandsplaining.” Unfortunately, grandsplaining can turn retirement planning conversations into a crash course on how not to communicate! Fortunately, with a little effort (and much less lecturing), families can turn this ship around and build stronger, more respectful relationships. What is "Grandsplaining"? In an age where communication flows freely across digital platforms, I define "grandsplaining" as a colloquial expression to describe a situation where younger generations offer unsolicited advice to older individuals, often patronizing or condescendingly. Grandsplaining typically involves a younger person explaining something to an older individual in a way that belittles their experience or intelligence. The term combines "grand" (suggesting age or status) and "splaining" (a slang term for condescendingly explaining something). While the intention behind such advice may often be well-meaning, the delivery can be patronizing, reinforcing stereotypes about aging and competence. This behaviour can significantly undermine the dignity and autonomy of seniors, leading to feelings of frustration, resentment, and a sense of being marginalized. Understanding the nuances of grandsplaining sheds light on intergenerational dynamics in these conversations. We must find a better, more respectful, and effective way to communicate with our elders considering retiring. The phenomenon of grandsplaining can manifest in various contexts, not just financing retirement—whether it’s discussing technology, lifestyle choices, healthcare options, or even social norms. For instance, a grandchild might explain how to use a smartphone app to a grandparent, assuming that the older generation cannot understand it despite their own lifelong experience with technology in different forms. Communication Breakdown In an era where financial literacy and retirement planning are more crucial than ever, "grandsplaining" has become a significant barrier to effective communication between generations. Retirees often feel overwhelmed or dismissed when their relatives provide unsolicited advice, especially if it contradicts their wants or financial strategies. This can lead to a reluctance to engage in discussions about finances, creating a rift that undermines the potential for collaborative planning. When adult children dominate conversations with preconceived notions of financial management, it stifles the opportunity for seniors to express their feelings, share their knowledge, and collaborate on effective retirement strategies. The Generation Gap in Financial Understanding Adult children may rely on outdated financial paradigms that no longer apply to their elders' realities. The economic landscape has changed dramatically over the past few decades, with shifts in real estate markets, a lack of formal retirement plans, and longer life expectancies. This generational gap can lead to misguided advice that does not consider modern challenges such as retiring with debt, little or no pension income, or rising living costs. Emotional Strain and Family Tension When relatives impose their views, it can evoke frustration, resentment, or inadequacy in their elders. This dynamic can shift the conversation from one focused on financial empowerment to one steeped in emotional conflict and shame. Instead of fostering a supportive environment for discussing retirement goals, grandsplaining can create adversarial relationships where seniors feel belittled or pressured, further complicating an already sensitive topic. Erosion of Autonomy When relatives try to impose their methods or strategies, it can undermine the seniors’ independence, making them feel a lack of control over their finances. Financial decisions are deeply personal and often intertwined with individual circumstances, goals, and values. This loss of agency not only affects financial outcomes but can also impact the mental well-being of older adults, leading to feelings of incompetence or anxiety about their financial futures. The Context of Ageism The implications of ageism are particularly concerning in a rapidly changing world characterized by technological advancements and unprecedented changes in social norms. While younger generations may genuinely wish to assist their elders in navigating these changes, their actions can reinforce negative stereotypes rather than empower seniors. Grandsplaining highlights the generational divide, creating an "us versus them" mentality that hinders collaboration and mutual understanding. Grandsplaining is deeply intertwined with ageism, a pervasive societal attitude that discriminates against individuals based on their age. Ageism manifests in various forms, including stereotypes that depict older adults as technologically inept, resistant to change, or incapable of learning. These stereotypes can lead to the marginalization of seniors within families and communities. Not cool! When younger generations adopt a condescending tone, they inadvertently reinforce ageist stereotypes that portray older adults as out of touch or incapable. This affects individual relationships and perpetuates societal narratives devaluing older individuals' contributions and wisdom. The Impact on Relationships Grandsplaining can strain relationships between generations, fostering resentment and conflict. For many seniors, unsolicited advice can infringe on their autonomy, making them feel infantilized or disrespected. I've seen firsthand how parents can react defensively to younger family members and sometimes withdraw altogether from conversations. When assistance is delivered condescendingly, it can backfire. The resulting tension may prevent meaningful conversations about important topics, such as healthcare decisions or lifestyle changes, which are crucial for seniors' well-being. The Psychological Impact on Seniors Being on the receiving end of condescending advice can also lead to diminished self-esteem and increased feelings of inadequacy. Seniors may begin to internalize the belief that they are not capable of making sound decisions or understanding new concepts, which can further exacerbate issues related to aging, such as cognitive decline and depression.  Encouraging Respectful Communication with Seniors Addressing the issue of grandsplaining requires a concerted effort from both younger and older generations to cultivate respectful communication. Here are several strategies to foster more positive intergenerational interactions: 1. Actively Listen: Younger people should prioritize active listening when engaging with seniors. This involves hearing what the older person says and validating their experiences and perspectives. Younger people can create a more respectful dialogue by acknowledging their knowledge and expertise. 2. Seek to Understand: Younger generations must approach conversations with empathy. To quote Stephen Covey's wise words, "Seek first to understand, then to be understood."  Recognizing seniors' challenges, such as health issues or technological gaps, can foster a sense of compassion. This approach can help bridge the generational divide and promote more constructive conversations. 3. Avoid Assumptions: The tendency to assume that older adults are out of touch or incapable can lead to grandsplaining. Instead, younger individuals should avoid making assumptions about seniors’ knowledge or abilities. Asking questions like “What do you think about this?” or “How do you feel about that?” can empower seniors to share their insights and experiences. 4. Offer Support, Not Solutions: Ask questions like, “What does a successful retirement look like to you? How do you plan to finance your retirement? Do you want to stay in this home? Are you open to moving? If so, where? Do you have enough in savings? How can I support you in having an independent and dignified retirement”? 5. Understand the Bigger Picture: Don’t assume that the traditional strategies of downsizing, selling, renting, or moving in with family are reasonable solutions for your elder in today’s economic environment. These retirement strategies are problematic for today’s seniors. In most cases, downsizing only works financially if the retiree is willing to move to a smaller, more affordable community. Most seniors want to stay in their communities and not move away from family, friends, churches, or familiar shops and services. Selling, renting, or moving in with family requires the sale of their significant appreciating asset. Given today's longer life expectancies, it's not always a wise choice. 6. Humour: By skillfully using humour, you can turn potentially patronizing situations into moments of connection and shared joy, ensuring that conversations with elders remain meaningful, respectful and memorable. For example, you could start the conversation this way; "The last thing I want to do is give you advice. That would be ridiculous. You’re the wise sensei here—I’m just the clueless apprentice trying to save enough downpayment to buy a shoebox of a house." This approach humorously flips the script, poking fun at the presumptuousness of unsolicited advice while emphasizing the elder's experience and wisdom. People often feel judged or vulnerable when discussing finances or significant life changes. Humour shifts the dynamic, showing that you approach the conversation as an ally, not an adversary. For example: "Talking about budgets isn’t fun for anyone—I mean, who loves math? But it’s worth it if we can figure out how to turn this retirement conversation into the fourth of July rather than Labour Day!" This playful approach lowers barriers, making the discussion feel collaborative rather than critical. Laughter fosters connection. Sharing a laugh creates a sense of camaraderie, making it easier for people to open up about sensitive topics. When elders feel that you’re not judging them but partnering with them—and can make them smile—they’re far more likely to trust your intentions and take your advice seriously. Humour invites the other person to join the conversation, breaking the ice and encouraging them to share their thoughts. It sets a tone that the conversation is a dialogue, not a lecture. Example: "You’ve been making great financial decisions for decades. I’m here to ensure we don’t accidentally end up with a basement full of K-tel Veg-O-Matics… unless that’s the plan?" This allows them to laugh, respond, and engage while respecting their autonomy. A word of caution.  Humour is only effective when paired with genuine respect and sensitivity. Pay attention to your elder's reactions and adapt if they seem uncomfortable or unamused. The goal is to build rapport, not to win laughs at their expense. Using humour skillfully, you can turn potentially patronizing situations into moments of connection and shared joy, ensuring that conversations with elders are respectful and memorable. Before You Go Before You Go Grandsplaining: the art of lovingly over-explaining to elders as though they’ve been napping since the Great Depression. While it often comes from a place of care, the unintended consequences can include derailed retirement conversations, strained family dinners, and a spike in eye-rolling from grandparents everywhere. Good financial planning thrives on clear communication, but grandsplaining tends to turn productive discussions into monologues that undermine elder autonomy and trigger emotional static. To create a more harmonious environment, families should swap their megaphones for listening ears and embrace a collaborative approach that respects seniors' wisdom and frames younger relatives’ financial theories as conversation starters, not TED Talks. After all, when it comes to navigating retirement planning, a little less "know-it-all" and a bit more "let’s figure it out together" can go a long way. Think of it as building a bridge, not a lecture podium—because nothing says "family unity" like tackling compound interest together! Don't Retire---Re-Wire! Sue

Santa Ana Winds: Nature's Power and Its Impacts on Communities

The Santa Ana Winds, a defining phenomenon of Southern California, are more than just a weather pattern—they are a powerful force shaping the region's environment, safety, and culture. These hot, dry winds can dramatically exacerbate wildfire risks, affect air quality, and even influence human behavior. Understanding the Santa Ana Winds is vital for addressing broader issues of climate change, disaster preparedness, and community resilience. Their far-reaching effects provide journalists with a range of compelling story angles, such as: The meteorological science behind the Santa Ana Winds and why they occur Their role in intensifying wildfires and efforts to mitigate these risks Health impacts, including effects on air quality and respiratory conditions Psychological and behavioral studies linked to wind-driven stress and aggression Historical and cultural significance of the Santa Ana Winds in Southern California How climate change might alter the frequency and intensity of these winds If you're covering the massive fires in California, let us help with your ongoing coverage. Connect with an expert about the Santa Ana Winds: To search our full list of experts visit www.expertfile.com

Saving the world, one yard at a time

University of Delaware professor Doug Tallamy has a simple mission: Encourage people to rid their property of invasive plants and replace them with native ones. One of the ways he's tackling it is through a concept called “Homegrown National Park,” a grassroots initiative he co-founded to offer a simple solution for the biodiversity crisis — the decline of a variety of animals, plants and numerous species. Tallamy, the TA Baker Professor of Agriculture and Natural Resources at the University of Delaware, is trying to encourage everyone to do their part to protect the planet. If invasive plants (which don’t belong in an area and can ultimately harm the ecosystem by taking away essential resources from other plants) grow out of control, then an area loses its biodiversity, the ability for multiple plant and animal species to function at once and create a rich ecosystem. Invasive species are prolific. For example, many invasive plants produce berries, which some birds eat. The birds then spread those seeds around. So, once invasive plants are in an area, they’re hard to get rid of. The idea is to replace them with native plants, which have historically belonged to a region and provide critical habitat for insects, birds and other creatures. It's an uphill climb, but Tallamy persists and is trying to save the world, one yard at a time. “Everybody has a responsibility of doing things that sustain their little piece of the earth, and there are a whole bunch of things one individual can do to help in that regard,” Tallamy said. What’s not so simple, however, is getting the Earth’s 8 billion people (or, at least, anyone with property) to do this. “We are trying to change the culture so that [replacing invasive plants with native ones] becomes the norm, not the exception,” Tallamy said. “We’re not getting rid of lawns. But we don’t need 44 million acres of them. There are now so many people on the planet that natural systems are not functioning the way they need to sustain us.” A snowball effect Much of our current plant culture revolves around colorful, aesthetically pleasing ornamental plants that don’t support the local food web. When they grow out of control, a local yard or larger region loses out on biodiversity. The natural world is all connected. For example, Tallamy said, if we lose pollinators like our native bees that transport pollen between plants, then we also lose most of our plants that produce flowers and fruits. It’s a snowball effect. “If that happens, the energy flow through our terrestrial ecosystems is almost totally disrupted, which means the food webs that support our vertebrate animals, our amphibians, our reptiles, our birds and our mammals would collapse and all those animals would disappear,” Tallamy said. “Without insect decomposers, the creatures that break down dead material, mostly plants, would rot and only bacteria and fungi would endure.” “Homegrown National Park” has generated a lot of buzz for Tallamy, who received recognition for it in October by the Massachusetts Horticultural Society. The MHS awarded Tallamy with its highest honor, the George Robert White Medal of Honor, for eminent service in the field of horticulture. Conservation in action Tallamy’s quest to “change the culture” on planting can be witnessed in the fall at UD. On a warm October afternoon, he and a group of students from the Introduction to Insect and Wildlife Field Studies (ENWC 165) course trudged out to UD Wetlands to curtail some pesky invasive plants native to Asia. Equipped with clippers, loppers and handsaws, they walked behind Worrilow Hall, part of the College of Agriculture and Natural Resources’ 350-acre campus, which includes the UD Wetlands, an area that was formerly a dairy cow pasture but transformed into wetlands in 2008 because pollution from the farm was reaching the local watershed. The wetlands were created because wetlands, by design, absorb nitrogen from runoff before it goes into waterways. They then release it as a gas into the atmosphere. But the UD Wetlands repeatedly deal with pesky invasive plants such as Porcelain-berry and Chinese elm. Over the years, UD students have stymied the species from overtaking the area. “See this? This is a good guy,” said Tallamy to the students as he held up a fallen branch. “You just want to get the Porcelain-berry off of it. They’ll grow back very well. But we want to nip [the Porcelain-berry] in the bud.” Taylor Kelly, a senior wildlife ecology and conservation major who took part in the invasive species removal, said Tallamy has helped her better understand the interconnectedness of various ecosystems. “Native plants provide so much value to our local pollinators, which add value to our local birds because they feed on pollinators, seeds, fruit and trees,” Kelly said. When native plants are in their natural environment, she added, it is a beautiful thing to see. Gardening with intention Tallamy, who began his teaching career at the University of Delaware in 1982, has published numerous research papers about entomology and written three books about native plants, insects and ecosystems, with a fourth book soon to come out. Lately, much of his career has revolved around public outreach. He often lectures across the country about native plants and their ecosystem value and is regularly quoted in outlets like The New York Times, The Washington Post and Natural History Magazine. “Dr. Tallamy is a rare scientist that is able to explain his work to everyone,” said Jake Bowman, UD professor of wildlife ecology and chair of the Department of Entomology and Wildlife Ecology. “His passion for the importance of native plants has driven a major shift in thinking.” Years ago, when Tallamy first set out to spread his messages about native plants, he anticipated a lot of pushback from horticulture enthusiasts who he thought might be resentful about being told how to choose their plants. Instead, Tallamy found that many actually embraced his ideas, including Delaware’s own Master Gardeners, a group of about 300 volunteer educators trained by UD Cooperative Extension. Among his supporters are Delaware Master Gardeners Karen Kollias, Brent Marsh and Judy Pfister, who each praised Tallamy for the impact he has had on how they garden. Kollias now “gardens with intention”— not for herself or her neighbors, but for the environment. “I was a gardener before,” she said. “Now I consider myself an ecological gardener.” After Marsh received a copy of Tallamy’s 2007 book, Bringing Nature Home, which talks about the link between native plants and native wildlife, Marsh became a Master Gardener and began planting native species in his Georgetown lawn. Today, native plants such as woodland sunflowers and oak trees adorn Marsh’s yard, and he is grateful for the value of native plants that he learned through Tallamy’s book. “Someday, maybe 20 years from now when I’m 100 years old, somebody's going to buy my house and they’re going to say, ‘Who planted all these oak trees?!’” Marsh chuckled. “Doug Tallamy changed my life.” As Tallamy has sought to simplify scientific knowledge with the general public, Pfister has utilized Tallamy’s approach to do the same. “He has a way of just making the whole thing a big circle, tying the need for a plant back to the need for a bird back to the need for a tree,” she said. Tallamy, who has been delighted by the fervor ignited by his native plants teachings, said the future of the Earth and its diverse ecosystems will in large part depend on how people treat their yards. “In the past, we asked our landscapes to do one thing, and that was, be pretty,” Tallamy said. “Now we have to ask them to do two things: be pretty and ecologically functional. That's the horticultural challenge of today.” But it’s one Tallamy believes can be achieved. Sometimes, he wishes he could speak to his 10-year-old self and tell the young boy to dig another pond for the toads to colonize. Restore. Conserve. Focus on keeping nature’s ecosystems intact, he would say. “We have to do both,” Tallamy said. “Yes, we have to conserve what’s out there, but we have to get in the mindset that we can really put a lot of it back.” Tallamy and Homegrown National Park co-founder Michelle Alfandari have created a database for people to type in their zip code and discover which native plants are best for their area.

Additional Dwelling Units (ADUs)

Summary: In a previous post, I wrote about the need for more creative solutions to the cost of housing.  I also spoke to the housing shortage and the steep downpayment rules we continue to face. At the same time, the need for retirement income and an increased focus on "aging in place" has more and more property owners looking for solutions.  Here, we explore why adding secondary living spaces to their properties, commonly referred to as Additional Dwelling Units (ADUs), is something you may want to consider. What Are ADUs? ADUs are fully equipped residential units situated on the same lot as a single-family home. They offer a distinct and private living arrangement while maintaining proximity to the main house. These living spaces may be integrated into the primary residence—such as a transformed garage or basement—or exist as independent structures, including small cottages or apartments. Why ADUs Are Gaining in Popularity ADUs can fulfill a broad range of needs, from accommodating aging relatives or adult children to creating a valuable source of rental income for homeowners. This income could assist seniors with cash flow and substantially boost their property's overall value. But is an ADU right for you? Before answering this, let's first take a brief look at their advantages and the rules and regulations governing the conversion or construction of such structures. Types of ADUs ADUs encompass a variety of secondary suites or dwelling units, primarily categorized as attached, detached, and semi-detached structures. Attached ADUs arise when homeowners convert existing spaces, such as basements, into livable areas. In contrast, detached ADUs consist of separate structures built apart from the principal residence. Laneway Houses / Laneway Suites: These small, detached units are constructed in the backyard or along the laneways of existing properties, maximizing the use of available space. Garden Suites: Similar to laneway houses, garden suites are secondary residences in the primary home's backyard. They offer self-sufficient living environments and are increasingly favoured for boosting housing density in urban settings while preserving the character of residential neighbourhoods. Basement Apartments: Self-contained living spaces in the basement of a residential property. These usually have a distinct entrance. In-law Units (In-law Suites, In-law Flats) are separate living sections within a single-family home that cater to relatives, providing a comfortable space for parents or in-laws. Detached Garages: These standalone structures are separate from the main house and traditionally store vehicles. They can also serve as storage areas or workshops. Adding a second-story apartment above garages is popular. Parking is premium in cities, and these structures provide the best of both worlds: keeping parking, storage, and adding living quarters above. Carriage Houses and Coach Houses: Originally designed as outbuildings on larger estates to store horse-drawn carriages, carriage houses, and coach houses have often been repurposed as living accommodations, guest houses, or rental units while maintaining their historic architecture. The Benefits of ADUs Additional Dwelling Units (ADUs) are indispensable in alleviating housing shortages and addressing affordability challenges within various communities. They also offer a wide range of personal and economic advantages for homeowners and tenants searching for budget-friendly rental options. Some key benefits include: An Aging-in-Place Option for Seniors: ADUs can allow elderly relatives to stay in their community and maintain an important sense of connection with neighbours, friends, and family. Rental Income: Homeowners can establish a dependable revenue stream with an ADU. These units represent a highly appealing affordable housing alternative. Accommodation for Adult Children: An ADU can provide temporary living arrangements to adult children who may not be able to buy into the housing market or who want to be closer to their aging parents. Dedicated Office/Creative Space: With more people working from home part-time or going entirely virtual, ADU can provide a more professional and comfortable work environment But There's Another Payoff for ADUs Beyond these apparent benefits, I'm also struck by how ADUs can help us cultivate a stronger sense of community and intergenerational connection. Let me unpack this more and list some unique attributes of ADUs that make them so vital to our housing strategy: Affordability: ADUs can also be more affordable than standalone houses, making them increasingly attractive for individuals or small families looking for budget-conscious living options. Connection: ADUs are much closer to the primary residence. This allows younger renters to forge more meaningful relationships and interactions with their homeowners (many of whom are seniors). Equity: For renters who want to move beyond an apartment or condo but lack the financial means, ADUs could present a great alternative. They also provide a unique way to give renters access to neighbourhoods where housing availability is a challenge. For young families, renting an ADU could allow them to place their children in better schools that require residency in the school district. Support: As we age, we are more likely to need help maintaining our homes. For example, help with yard work and snow removal could be traded for reduced rent.  There is much to be said about the comfort and safety of having someone live a few steps away for our older generation.  ADUs are a Key Part of the Government's Housing Strategy The Federal Government just announced the expansion of the Canada Secondary Suite Loan Program. Here's what you need to know: The loan amount has been increased to $80,000, and it has a 2% interest rate and a 15-year repayment term.  In addition to the Secondary Suite Loan Program, homeowners can refinance with insured mortgages to help cover the cost of adding a secondary suite, starting January 15, 2025. Lenders and insurers will begin allowing mortgage refinancing of up to 90 percent of the post-renovation value of their home up to $2 million, amortized for up to 30 years. Homeowners can use this loan program and mortgage financing to help cover the cost of adding a secondary suite. These developments should get us all thinking more about the possibilities of ADUs. The benefits for many people and the clear intergenerational win-win exchanges are compelling. Given the impact they could yield for seniors in unlocking the value of their home equity and the compelling social benefits they offer for communities, I'll be exploring ADUs in much more detail over the coming year. Stay tuned. Don’t Retire … Re-Wire! Sue

Georgia Southern welcomes Georgia state leaders on Wexford Campus in Ireland

Georgia Southern University’s Wexford Campus in Ireland has been invigorating educational, civic, business and trade opportunities between Ireland’s southeast region and the state of Georgia since its establishment in 2022. The bicultural partnership has drawn the attention of state leaders in Georgia, prompting a recent visit to the international campus where Georgia Southern and its Irish partners welcomed the delegation. “We hosted legislators and leaders of industrial development and enterprise organizations,” said Howard Keeley, Ph.D., director of Georgia Southern’s Center for Irish Research and Teaching (CIRT). “These Georgia stakeholders believe that what Georgia Southern is doing in Ireland is important. One of the major concepts behind the Wexford Campus is that it’s a true campus, not just a study-abroad venue. So we’re pursuing several streams of activity. One is teaching and another is research. Another one is economic development, which includes internships and community engagement. We want to be in the community; therefore, to have leading constituents from a variety of industries in Georgia was very gratifying.” Among the attendees were U.S. Congressman Earl L. “Buddy” Carter; Georgia Department of Economic Development Commissioner Pat Wilson and five members of his senior staff, as well senior officials from electrical utilities, including Georgia Power; Trip Tollison, CEO of Savannah Economic Development Authority; Teresa MacCartney, chief operating officer for the University System of Georgia; and Georgia Rep. James Burchett (‘04), along with 10 additional members of the Georgia House of Representatives. “The main thing we wanted to do is show them what the student experience is like,” said Keeley. “We care about our students, and, using philanthropic funds, we’ve invested in a beautiful set of buildings, including one, built in 1886, that will house 50 students at a time. Each year, our goal is full capacity over six minimesters for a total of 300 Georgia Southern students. Historically a religious convent, that structure should open in spring 2026, after extensive remodeling. Many Georgia Southern students, including construction management and interior design majors, are gaining valuable professional skills by contributing to the endeavor.” The Wexford Campus already features the Learning Center, a historic administrative complex constructed in 1812 that has been transformed into a contemporary, high-tech educational space where students learn from local and international experts. They also present their research to peers and visiting Georgia Southern alumni while participating in high-impact experiential learning within the region. Visiting delegates were pleased to learn about the Honors College Global Scholars Program, which hosts 24 Honors College students who, taking an interdisciplinary approach, explore two themes for six weeks each spring in Ireland. This year, a prominent topic of study was sustainability in agriculture. One of Georgia Southern’s European research partners, South East Technological University Ireland, helped guide the students as they compared sustainability challenges along the coasts of Georgia and southeastern Ireland. The students drew on various research efforts, including important knowledge generated by Georgia Southern’s Institute for Water and Health. Similar integrated concepts also inform the summer and fall offerings. In 2024, they included two undergraduate global business courses, as well as the first Europe-based course from the MBA program at Georgia Southern’s Parker College of Business. One focus for the MBA students was Rosslare Europort, just south of Georgia Southern’s Wexford Campus, which has become Ireland’s fastest-growing port as multiple new direct routes to continental Europe have opened in response to Brexit. At a workshop facilitated by a top Rosslare Europort official, the MBA students explored international trade, logistics and supply chain management and the European regulatory environment. Spanning undergraduate, graduate and doctoral levels, the Wexford Campus has also provided courses in accounting, philosophy, sociology, geography, environmental biology, tourism and public health, among other disciplines. Shadowing Irish experts, population health science students from the Waters College of Health Professions focused on designing and delivering preventative-health programs, a critical matter in both Ireland and Georgia. “One of the metrics we use to measure success in Ireland is asking what makes it worthwhile for students to complete the course in Ireland as opposed to staying in the United States,” posed Keeley. “The bottom line is that we’re trying to provide a range of courses that look like Georgia Southern and that meet the degree needs, but also the employment needs in the state of Georgia. We’re always looking at how we can make our students more competitive, deepen their knowledge and give them as much hands-on experience as possible. This is really one of the things that we hope is a differentiator for us.” Notably, annual scholarships are available for the Honors College Global Scholars Program, Department of Political Science and International Studies students and Irish Studies students thanks to generous donations from alumni. In addition, philanthropic support has provided $1,000 to each participating student to offset the cost of transatlantic air travel. “The Wexford Campus’ directives exemplify Georgia Southern’s mission of providing holistic educational opportunities for our students to excel and grow,” said Annalee Ashley, Ed.D., Georgia Southern Vice President for External Affairs, Communications, and Strategic Initiatives, who participated in the trip. “Employers value global consciousness and intercultural skills when hiring, and our students who study abroad can enhance their skills, intellect and hireability in the marketplace. We are proud to serve Georgia and the entire southeastern region in this unique way, and to be supported by the state of Georgia as the University moves toward an R1 designation.” Beyond the campus, the group explored Johnstown Castle, an environmental and agricultural research center and heritage venue, as well as the Dunbrody Emigration Experience Center, whose newest permanent exhibition, Savannah Landing, is based on research by Georgia Southern students. The work highlights more than 170 years of historical ties that connect Savannah and Wexford, where hundreds boarded ships and crossed the Atlantic Ocean to arrive in Georgia’s coastal city in the mid-19th century. The centerpiece project, which was celebrated by the Irish prime minister at a ribbon-cutting in August, was made possible by $832,000 in research-grant funding, secured by the Dunbrody Center and Georgia Southern’s Center for Irish Research and Teaching. “Our guests got to experience history and understand the unique story that connects County Wexford to Savannah and, by extension, the state of Georgia,” noted Keeley. “Furthermore, they were able to see more than three-quarters of a million dollars of investment in Georgia Southern student work. That was super exciting.” The legislative group also met with Georgia Southern’s Irish partners, who shared what this relationship means to the people of Wexford and its hinterland, Southeast Ireland. “We invited all the players onto the field to strategically advance themes of education, economic development, and civic and cultural engagement,” said Keeley. “I believe they concluded that Ireland is a fit. It boasts a thriving economy that is modern, global and innovative. It’s the youngest economy in Europe in terms of workforce, and Ireland is one of the biggest investors in the U.S. economy.” Georgia Southern leadership and local Irish legislators, including four members of the Irish House of Representatives, Senator Malcolm Byrne and members of Wexford County Council, hosted Georgia’s VIPs with open arms. “They wanted to rally around us in the way that a family will rally around you,” said Keeley. “They couldn’t have done more. They totally rolled up their sleeves. It was a complete partnership hosting, and we were able to demonstrate that our network is so solid.” Wexford County Council leader Pip Breen shared opportunities for deeper connections with the Georgia delegation through the Irish nonprofit TradeBridge. Established in 2018, the entity facilitates trade and investment between the southeastern regions of Ireland and Georgia by developing new export markets and job creation opportunities. The trade corridor opens doors for southeastern Irish companies to establish a supportive base in southeastern Georgia, while also creating similar coordinates for companies based in southeastern Georgia to enter the European Union marketplace. Keeley, who was awarded the Presidential Distinguished Service Award for the Irish Abroad from the Government of Ireland in 2023, is a board member. “Georgia Southern’s footprint in southeastern Ireland is an important one for students and for the state of Georgia,” said Ga. Rep. Burchett. “The strides they are making not only allow students to participate in research in engineering, coastal sustainability, history and other important areas of study, but they also directly drive trade and investment opportunities between the southeastern regions of Georgia and Ireland. This was an amazing visit and we value our friendships within the Irish community.” Following the event, Burchett returned the hospitality with an invitation for Wexford County Council members to be recognized in person on the floor of the Georgia General Assembly in March 2025. “They very enthusiastically accepted the invitation,” Keeley shared. “I think when you’re involved in education, when you’re doing business and when you’re building out opportunities, the most important single thing is friendship and like-mindedness. You cannot achieve anything otherwise. There has to be this human-to-human connection. There has to be genuine mutual respect and mutual affection, and that was just in spades.” Georgia Southern’s Wexford Campus was featured on the national Irish TV program, “Nationwide.” You can see it here: Looking to know more, then let us help. Howard Keeley, director of Georgia Southern’s Center for Irish Research and Teaching, is available to speak with media. Simply click on his icon now to arrange an interview today.

Villanova Biologist Alyssa Stark Looks to the Natural World for Solutions as Field of Biomimicry Expands

Humans have long taken inspiration from the natural world. From the indigenous cultures of the world who understand and utilize the properties of plant and animal products, to Leonardo da Vinci’s “flying machine” sketches inspired by his observations of flying birds, humankind has often looked to nature to help solve its problems and drive innovation. With rapid scientific advancements of the 19th and 20th centuries, and the exponential growth of sustainability practices over the last quarter century, the concepts of bio-inspired design and biomimicry have been increasingly pursued across myriad disciplines of study and implementation. Alyssa Stark, PhD, associate professor of biology at Villanova University, is one of the “boots-on-the-ground” researchers in pursuit of nature’s solutions to human problems. She recently took the time to chat with us about these fields, her research interests and the future of biomimicry. Villanova PR: We sometimes hear the terms “bio-inspired design” and “biomimicry” used interchangeably. Are they the same concept? Alyssa Stark: I see those as two different things. Bio-inspired design is when we are looking at an organism and see that it’s doing something that we want to emulate as humans. I work with animals that have unique adhesive properties. I ask questions like: Can we see that? Can we build it? Can we transfer that information, those ideas, those principles – it could be chemistry, physics, biological structure – and make something useful for us? That is also true with biomimicry, but the big difference for me is that we're keeping in mind the sustainability components. The natural world is not polluting. If we're using this biomimicry lens, how do we learn from nature to make products or solve problems in a sustainable way, keeping in mind the specific environment in which we are located? As an example, we wouldn't use a heavy water process if we were in the Arizona desert, instead we should look to our immediate surroundings to solve problems. PR: It seems the work going on in this field really takes a unique level of interdisciplinary collaboration. What types of different professionals are working in biomimicry? AS: It really pulls together biologists, engineers, physicists, chemists, even design artists and businesspeople. I've worked with a lot of different businesses that want to have sustainability in their company at broad levels by using biomimicry. They are not motivated by making a cool product, but realizing it actually saves them money if they think about their whole company in a biomimetic perspective. There are people who work on the social side of biomimicry, helping these companies completely restructure themselves to be more efficient and more time and money sensitive, without ever making a product. But of course, products are a huge part of it, too. And to make that happen, all of those professions, and more, are vital and active in this space. PR: In terms of products, what are some of the most successful examples of biomimetic designs being implemented? AS: A classic one is a building in Africa that doesn't have any air conditioning units because it has a series of vents like a termite mound. Or the bullet train being shaped like a kingfisher’s beak. One scientist found that whales have bumps on their fins, which you might think is not hydrodynamic. But as it turns out, it actually cuts through water more efficiently by creating little vortices. This concept was then applied to wind turbines. There are many examples of biomimicry actually working and being used. My mind is blown when I talk to an artist or designer about biomimicry because it's just wild the way they think. PR: Where does your overall work as a biologist fit into the world of biomimicry? AS: My hard science work is very much functional morphology – shape and structure of things and how they function. That includes behavior and their organismal interaction with the environment. I ask questions like: How do their structures function and perform? How sticky are they? How fast are they? How do they behave in their environment? What happens if they hit different challenges in their environment? My work kind of naturally fits well with biomimicry, especially for product development. I observe the natural world and then I start testing questions and predictions that I have about it, like figuring out how the heck this ant is sticking to this wet leaf. My results can then be applied directly. We have to first understand how these organisms work, and then others can run with it to try to put it to use. PR: What organisms do you work with and what about them are you studying? AS: I mostly study geckos, ants, and sea urchins and I just started working with some coral, looking at why some coral undergo bleaching, and some don’t. With sea urchins, we're also figuring out where their incredibly hard teeth are mineralized so we can understand it enough to try to mimic it. I like playing in that zone, because it still provides me a chance to do the hard science, but also talk to engineers and others and provide them information. With geckos, what I kind of broke open with my PhD thesis was that they have an adhesive that works in wet environments. Having a reusable adhesive that can work on skin, especially in the medical world, is a big problem and where most of my research lies. Think of a bug that you can’t pry off, but then it suddenly runs. How do these organisms move with such sticky feet? Figuring out how to make a reusable adhesive that doesn’t get dirty and can handle all these different environments is a difficult problem to solve. PR: How do you see this field evolving, especially as we strive for a greener, more sustainable future? AS: I would say the next step is the social levels of these big ecosystems. How do we build a city that functions like a rainforest or like a coral reef? Not just a product, but how do we actually shape our world by taking behaviors, processes, or systems that we see in the natural world to help us? Look at a pride of lions and their hierarchy, or what kind of feedback loops are there in an ant colony that allow them to give information back to their colony members quickly and share resources. I think that is the future of this field, and it’s an exciting future. *To learn more about Dr. Stark’s research and the field of biomimicry, click here to listen to a recent episode of NPR’s science show, “The Pulse.”

Recent Rain Not Enough to End Dry Spell

Dr. Jase Bernhardt, Hofstra associate professor of geology, environment, and sustainability, was interviewed by Newsday about weather conditions in the local area. Experts say that heavy rain recently was unlikely to end a regionwide, three-month dry spell. Dr. Bernhardt called the drought conditions “super-eye opening” and “certainly unprecedented in recent times.”

Higher Education Enters the Ring

Why it matters Yesterday’s announcement that Linda McMahon is President-elect Donald Trump’s pick to lead the Department of Education ushers in a new era for universities and colleges.  This signals a sharp pivot toward decentralization and pro-business policies, and it's expected that McMahon’s leadership will focus on dismantling traditional federal education structures, expanding school choice, and aligning education priorities with a business-first agenda.  Higher education faces funding uncertainties, new accountability pressures, and the need to demonstrate its relevance in supporting economic growth. The Big Picture McMahon’s appointment reflects Trump’s broader strategy to reframe education policy in a way that prioritizes state control, entrepreneurship, and conservative cultural values. This will likely have significant consequences for higher education, including: Decentralization: Shifting control of education policy and funding to the states. School Choice Expansion: Redirecting public funds to private, religious, and homeschooling options. Economic Alignment: Pressuring institutions to support industry, small business, and workforce development through research, partnerships, and entrepreneurship/startup programs. Cultural Shifts: Rolling back policies on diversity, equity, and inclusion while emphasizing “patriotic” education. What’s at Stake Federal Funding Cuts: Threat: Research funding, Pell Grants, and other federal supports may face cuts. Reality Check: Congressional approval is required to eliminate funding streams like Title I, making complete federal withdrawal unlikely but changes and funding disruptions possible. Policy Shifts: Threat: Federal oversight will likely weaken, and policies favoring vocational and workforce-aligned education will likely put increased pressure on programs such as liberal arts. Universities will also likely face increasing pressure to align with ideological goals, such as restricting DEI (diversity, equity, and inclusion) initiatives.  The new administration could wield considerable control over the school accreditation process, which has been seen by some to force ideological changes on campuses.  There has been a movement to decentralize accreditation authority, reduce federal oversight, and align educational standards with conservative values. According to the Council for Higher Education, many of the ideas put forward focus on empowering states to authorize accrediting agencies and even serve as accreditors themselves, shifting control from federal to state governments.  Action: Institutions must better identify their options amidst a rapidly evolving agenda at both the state and federal levels, develop strategies and secure the resources necessary.  For instance, there are calls to prohibit accreditors from requiring institutions to implement Diversity, Equity, and Inclusion (DEI) policies.  Institutions also need to understand what the implications of a more diverse accreditation landscape could be, with standards varying significantly across states, potentially affecting the uniformity and transferability of academic credentials nationwide.  Reputational Risks: Concern: Growing public skepticism toward higher education undermines enrolment and support. Impact: Conservative narratives favoring alternatives like apprenticeships and other programs that support the economy and job growth will likely gain traction. Preserving Institutional Independence: Pressure: Universities face increased scrutiny of their course curriculum and research priorities that may be deemed ideologically contentious. Opportunity: Institutions must tangibly demonstrate their value to society. The more they can do to break down barriers between “town and gown” and counter the narrative that paints them as too expensive, elitist, and out of touch. Demonstrating Economic Impact: Need: Universities must showcase their role in driving economic growth through research, commercialization, and support for small businesses and entrepreneurs. Opportunity: Institutions should communicate their relevance in relatable ways that engage with businesses, emphasizing tangible contributions to research innovation and job creation as a positive return on investment that can be messaged to taxpayers. Key Questions for Higher Ed Leaders Funding: How can we diversify revenue streams and reduce reliance on federal support? Advocacy: How should universities engage state and federal leaders to protect their interests? Reputation: How can higher education rebuild public trust and counter skepticism?  Relevance: How do we better communicate the value of university research and its role in supporting a pro-business agenda? Adaptation: Can institutions innovate by expanding industry partnerships, online education, and workforce-aligned programs? Implications of Project 2025 Project 2025 is a comprehensive initiative spearheaded by the Heritage Foundation, a conservative think tank, aiming to reshape the U.S. federal government through a conservative lens. Launched in April 2023, it serves as a strategic blueprint for a potential conservative administration, detailing policy proposals, personnel strategies, training programs, and a 180-day action plan. Analysis from the Brookings Institution states that "many proposals in Project 2025 would require an unlikely degree of cooperation from Congress, though others could be enacted unilaterally by a second Trump administration.”  While we don’t know the full extent to which Project 2025 will be implemented, its agenda seeks to reshape federal agencies, including the Department of Education, with a significant impact on the sector.  Key areas of focus include: Title I and Student Aid Proposals to give parents more control over federal funds could deprioritize public education. Tax Credits for School Choice Incentives to support private school tuition may shift K-12 pipelines, impacting university enrolment. Economic Realignment Universities will need to align with business priorities, emphasizing innovation, commercialization, and job creation. Diversity Equity & Inclusion Project 2025 explicitly calls for reducing federal spending on what it deems unnecessary or politicized initiatives, and DEI programs are likely to fall under this categorization.  This could have wide-ranging impacts, including changes to school ranking systems that have a DEI component.  Ranking bodies such as US News & World Report may need to adjust their methodologies to account for changes in diversity initiatives and data availability. With potential reductions in diversity-related data, rankings might place greater emphasis on other factors such as academic performance, faculty qualifications, and post-graduate outcomes. This also could extend to endowments, which direct funding toward diversity programs through scholarships and fellowships. For institutions that rely heavily on DEI as a cornerstone of their fundraising and donor relations strategies, they may experience reduced donor enthusiasm, particularly from philanthropic organizations or alumni committed to these causes. Regulatory Rollbacks There is the potential for significant changes to Title IX protections and federal loan forgiveness programs, creating legal and financial uncertainty. What Universities Can Do Now: Secure Funding Build relationships with private donors, businesses, and industry partners. Strengthen advocacy efforts at the state level to safeguard funding & other resources.   Adopt proactive strategies to mitigate potential policy impacts, such as diversifying revenue sources, engaging donors with aligned government priorities, and ensuring compliance with evolving regulations. Reinforce Public Trust Explain complex topics in accessible ways to help the public and policymakers make informed decisions. Help promote and support faculty who can serve as credible sources for the media, countering misinformation and fostering informed dialogue. Strengthen community connections with your experts through public speaking engagements, workshops, and local events. Position the university as a hub for knowledge and innovation that benefits the community. Capitalize on the reach and influence of alumni. Highlight their successes to show how they benefitted from educational programs and research. Position them as important role models and advocates in the community who are contributing to economic growth. Demonstrate Relevance Showcase faculty and their research breakthroughs. Demonstrate how their work benefits industries, supports entrepreneurship and addresses societal challenges. Speak to real-world outcomes in health, technology, the environment, and more. Use accessible language to connect with policymakers, business leaders and taxpayers. Strengthen Advocacy: Partner with peer institutions to shape policy discussions. Position universities and colleges as vital contributors to a pro-business agenda. Innovate: Expand stackable credentials and micro-credential programs that are aligned with private and public sector requirements and emerging skills-based models. Look at new online education options. Embrace partnerships that connect academic research to real-world economic impact. Universities must deliver a more compelling, data-driven, yet humanized story about their institution’s contributions, fostering stronger relationships with government, the private sector, and taxpayers. What's Next This new era will most certainly challenge higher education to rethink its approach to funding, policy, and public engagement. For all institutions, both public and private, there is no place to hide.  As they step into the ring, Higher Education leaders will need lots of support as they look to forge new paths for research, teaching, and community service while engaging their stakeholders in ways that more powerfully communicate their vital contributions to society. The bell has rung—are you ready?