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Canada's First Lifetime Fixed-Rate Reverse Mortgage: A Game-Changer or Just Another Option?
Every so often, a retirement product emerges that makes even a seasoned boomer take notice and remark, "Well, isn't that interesting?" The Globe and Mail reported that Bloom Finance has introduced Canada's first "lifetime fixed-rate reverse mortgage." What’s a Lifetime Fixed-Rate Reverse Mortgage? A Fixed Rate Reverse Mortgage is a financing option that gives you a permanently locked-in interest rate for as long as you hold the loan—not just for a typical five-year term. This could appeal to many Canadians entering retirement: It means you can unlock tax-free equity from your home without worrying that future rate hikes will eat into your cash flow or erode your long-term plans. What makes this even more appealing is the nature of a reverse mortgage itself. You’re not required to make monthly payments You retain full ownership of your home Your rate simply determines how your balance grows over time. When that rate is fixed for life, it removes one of the biggest sources of uncertainty, allowing retirees to plan confidently, protect more of their equity, and use their home as a stable financial tool rather than a source of stress. In short, a fixed-rate reverse mortgage combines the predictability retirees crave with the flexibility they need—something increasingly hard to find in today’s jittery rate environment. Bloom's New Lifetime Reverse Mortgage: Why People Are Talking Reverse mortgages allow homeowners aged 55+ to access up to roughly 55% of their home's equity without taxes, without monthly payments, and without affecting OAS or GIS. In the past, concerns have centred on the compounded interest and the uncertainty of future rates. Bloom's new Lifetime Reverse Mortgage offering aims to ease this stress by offering a fixed rate for life. Currently, that rate is 6.69%. The rates are a bit higher than other reverse mortgage products on the market. For comparison here are some current rates at the time of publication: Home Trust's (6.44% for a 5-year fixed rate) Equitable Bank (6.54%) HomeEquity Bank's (6.64%) 5-year fixed rates. Looking Beyond the Rates of Reverse Mortgages Bloom's real appeal with this new product is emotional: no more renewal surprises. For retirees on fixed incomes, the stability of a fixed rate feels different. It's like a weighted blanket for your financial nervous system. Think of it as an insurance policy against rising interest rates. And boomers love insurance. We insure our hips, luggage, vacations, eyeglasses, cell phones, and emotions (usually at the spa). So, a mortgage rate that stays stable? Yes, please. But let’s look beyond the mechanics of this product. We need to discuss a force even greater than compound interest: luck. Let's Talk About Luck (aka: The Retirement Wild Card) Here's a truth many boomers seldom admit: financial success isn't only about planning. It's about timing. It's about circumstance. And yes… pure, unfiltered luck. As humans — especially we entitled boomers — we tend to overemphasize our achievements and downplay our faults. And let's be honest: we don't like admitting when we're wrong. Society often rewards the strong and wrong more than the weak and right. (If you're unsure, just watch any political panel for 30 seconds.) Even Warren Buffett — the patron saint of rational investing — made a spectacularly poor decision when he bought Dexter Shoe for $433 million in Berkshire stock. The company later became worthless. Buffett described it as the worst deal of his life. If the Oracle of Omaha can make a mistake, the rest of us can certainly recognize how luck has influenced our real estate stories. And oh, did luck influence the boomer journey. We bought homes when they were affordable; when interest rates were character-building, and avocado appliances were peak chic. Then real estate skyrocketed. Homes doubled, tripled, quadrupled. Not because we were geniuses — but because we were standing in the right place at the right time. Let's be even more honest: A boomer's worst day in real estate is a millennial's dream day. We might not like admitting it, but it's true. And yes — boomers get to show off a little because we also carried the burden of our failures: recessions, layoffs, 19% mortgage rates, renovation disasters, and property taxes that still make us weep into our soup. But luck? She was definitely in the room. Now that we've named her, we can begin speaking honestly about how to use the equity we possess — wisely, deliberately, and with eyes wide open. Let's Discuss the Numbers (Because We Ought To) Here's where the real impact happens. Say you're 70 and you take out a $200,000 reverse mortgage at Bloom's lifetime rate of 6.69%. Over 20 years, with compounding interest and no payments, you'd owe approximately $724,000. Now, if you took out a traditional reverse mortgage at 6.54% over those same 20 years (not including rate hikes, though they're likely), you'd owe approximately $707,000. That's a $17,000 difference — not a high price to pay for lifelong comfort. But There Are Trade-Offs The early-exit penalties are steep: · 8% in year one · Decreasing until year five · Then three months' interest thereafter Penalties are waived if you downsize, move to assisted living, or pass away. But if you leave for other reasons? You're responsible for the costs. Translation: Only select this reverse mortgage product if you genuinely plan to stay put. Zooming Out: The Full Menu of Equity Options This lifetime reverse mortgage is just one tool in a broad (and expanding) equity-release toolkit. Others include: ADUs (Accessory Dwelling Units): Build a suite, rent it out, house a caregiver, or create multigenerational living. Offers independence and income potential. Downsizing: The classic move. Big house to small house to building a solid cash cushion. Emotionally complex, financially empowering. HELOCs (Home Equity Lines of Credit): Offer flexible, interest-only repayment options. Manulife One: The Swiss Army knife of HELOCs. Perfect for disciplined retirees. HESA (Home Equity Sharing Agreements): No payments or interest — you exchange future house appreciation for cash today. Traditional Reverse Mortgages: Similar to Bloom in structure but without the lifetime rate. And yes — boomers have more equity-access options than any generation in Canadian history. Not arrogance. Just facts. And increasingly relevant ones. Research shows that 91% of older adults in Canada prefer to age at home rather than move to an institution, with 92.1% of Canadian seniors currently living in private dwellings in the community. Honest Questions to Ask Yourself Before Signing for Any Type of Loan Wondering if you should take the leap? Before you even consider signing anything, pour yourself something warm (or stronger) and ask a few honest questions. · Am I emotionally ready, or just tired of worrying about money? · Am I genuinely content to remain in this home forever, or am I romanticizing the past? · Where are interest rates heading — and how will that affect my comfort level? · What exactly do I need cash flow for — income, essentials, opportunities, legacy, or "finally something for ME"? · Have I thought about how this decision might affect my children and inheritance? · What future choices could this create — or prevent? · And the biggest question of all: if Plan A fails, is Plan B truly realistic… or just wearing yoga pants and pretending? Because here's the real truth: the happiest retirees aren't the ones who got lucky — they're the ones who used their luck with purpose, timing, and emotional clarity. Bloom's lifetime reverse mortgage isn't a miracle cure, nor is it a trap. It's simply one tool — and for the right person, it provides emotional stability and financial predictability. Here's What Matters Before you sign for a reverse mortgage, HELOCs, or anything else with an acronym and a sales commission attached, here's my professional advice: Get the full picture so you can make decisions that truly work for your life — not merely to meet someone else's sales quota. The "best" financial move isn't the one that appears impressive on a spreadsheet. It's the one that allows you to sleep peacefully at night. The one that grounds you emotionally and supports you financially. Retirement isn't the end of the story. It's the chapter where you finally get to blend strategy with self-awareness, confidence with clarity, and luck with a bit of laughter. And if life insists on being unpredictable? Then outsmart it, outlaugh it, and choose the equity tools that help your future self say, "Nice move." Love, Aunt Equity" aka Sue "Don't Retire… ReWire!!!" Want to become an expert on serving the senior demographic? Just message me to be notified about the next opportunity to become a "Certified Equity Advocate" — mastering solution-based advising that transforms how you work with Canada's fastest-growing client segment.
Lighting the Fires of Memory: The History, Meaning and Modern Significance of Memorial Observances
In the United States, United Kingdom and Canada, special annual days of remembrance bring into focus a simple yet profound truth: societies mark the sacrifice of those who died in military service so that past and future generations will not forget. These observances are layered with history, symbolism and evolving practice. Origins & Historical Development United States – Memorial Day Memorial Day began in the aftermath of the American Civil War. One of the earliest national observances took place on May 30, 1868, when John A. Logan, Commander-in-Chief of the Grand Army of the Republic, proclaimed “Decoration Day” to honour the Union dead by decorating their graves. The date was chosen because spring flowers would be in bloom across much of the country. Over time, as the United States engaged in further conflicts, Decoration Day evolved into a broader day of honouring all U.S. military personnel who died in service. In 1971, Congress made Memorial Day a federal holiday observed on the last Monday of May. United Kingdom and the Commonwealth – Remembrance Day Remembrance Day, also known as Armistice Day, originated from the end of the First World War and is observed on November 11. It commemorates the armistice signed at the 11th hour of the 11th day of the 11th month in 1918. In Britain and the Commonwealth, the red poppy became the enduring symbol of remembrance, inspired by the poppies of Flanders fields and popularized in the years following the war. Canada – Remembrance Day Canada also observes Remembrance Day on November 11. The observance dates back to post-WWI traditions and was officially adopted by Parliament in 1931. It honours the more than 118,000 Canadians who have made the ultimate sacrifice among the 2.3 million who have served in uniform. Meaning and Symbolism At their core, Memorial Day and Remembrance Day are about memory, sacrifice, duty, and gratitude. They serve as communal rituals: visiting cemeteries and memorials, placing flowers or wreaths, holding moments of silence, and wearing symbols like the poppy. In the United States, the act of decorating graves carried not only personal remembrance but also civic pride—honouring those who laid down their lives for their country. In the United Kingdom and Canada, the poppy remains a powerful visual reminder of both the human cost of war and the enduring hope for peace. Modern Significance These observances offer societies a chance to pause, reflect, and connect past sacrifice with present freedoms and responsibilities. In the United States, Memorial Day has also come to mark the unofficial start of summer. Still, national initiatives such as the National Moment of Remembrance invite Americans to refocus on solemn reflection. In Canada and the United Kingdom, Remembrance Day remains deeply ceremonial, marked by two-minute silences, wreath-layings, and public education about the sacrifices of war. For all three nations, these days foster inter-generational understanding—educating younger people about service, sacrifice, and the peace that followed—while reminding governments and citizens alike of ongoing obligations to veterans. Why It Matters to U.S., British, and Canadian Peoples For Americans, Memorial Day symbolizes how unity, freedom, and democracy have been defended and preserved at great cost. For Britons and Canadians, Remembrance Day binds their shared histories of service in global conflicts, linking national identity with sacrifice and resilience. In Canada especially, the day has evolved into a moment not just of military remembrance, but of reflection on what it means to serve a country and commit to peace. Across all three nations, these observances allow public acknowledgment of loss and courage, while anchoring civic values of duty, freedom, and gratitude. Key Themes and Story Angles Continuity and Change: From Decoration Day to Memorial Day, from Armistice Day to Remembrance Day—how the meaning endures through time. Symbols and Rituals: Poppies, wreaths, silences, and ceremonies as expressions of collective memory. Commercialization vs. Solemnity: Balancing commemoration with modern traditions such as travel and leisure. Generational Awareness: Passing remembrance to younger audiences through schools, media, and veterans’ stories. Veterans and Contemporary Service: Linking remembrance with ongoing commitments to those who serve. Community Connection: How towns and cities mark remembrance through local parades, services, and shared stories. Memorial Day and Remembrance Day are more than calendar observances—they are living rituals of collective gratitude. They invite reflection on what has been given and what must be preserved. For the United States, the United Kingdom, and Canada, these days stand as enduring reminders of courage, unity, and the price of peace. Connect with our experts about the history, meaning and modern significance of memorial observances: Check out our experts here : www.expertfile.com
Op-Ed: Stablecoin 'rewards' are a risk to financial stability
Congress has long recognized that stablecoins should not function as unregulated bank deposits. The intent of the recently enacted GENIUS Act is clear: to prohibit stablecoin issuers from paying interest or yield to holders, maintaining a distinction between payment instruments and bank deposits which are not only used for payment purposes but also as a store value. Yet loopholes have already emerged. Some crypto exchanges and affiliated platforms now offer “rewards” to stablecoin holders that work much like interest, potentially undermining the stability of the traditional banking system and constraining credit in local communities. Terminology matters. Credit card rewards are funded by interchange fees and paid to encourage spending — you earn points for using your card. Stablecoin “rewards” are different. They’re funded by investing the reserves backing stablecoins, typically in Treasury bills or money market funds, and passing that interest income to holders. You earn returns for holding the stablecoin, not for using it. Economically, this is indistinguishable from a bank deposit paying interest. When a platform advertises “5% rewards” on stablecoin holdings, it’s generally backing those tokens with Treasuries yielding about 4.5%, then passing that yield to users. Whether labeled rewards, yield or dividends, the function is the same: interest on deposits. Banks perform a similar activity — taking deposits, investing in loans and paying depositors a return — but face far higher costs, including FDIC insurance, capital requirements and compliance obligations that stablecoin issuers largely avoid. This dynamic has a precedent. In the 1970s and early 1980s, Regulation Q capped bank deposit rates at 5.25% while inflation and Treasury yields soared above 15%. Money market funds filled the gap, offering market rates directly to consumers. Deposits fled smaller banks, which lost their funding base, while large money-center institutions gained reserves. The result was widespread disintermediation, the collapse of the savings and loan industry and the farm-credit crisis of the 1980s. Stablecoin “rewards” risk repeating that history. Just as money market funds exploited the gap between regulated deposit rates and market rates, stablecoin platforms exploit the difference between what banks can profitably pay and what lightly regulated issuers can offer by passing through Treasury yields with minimal overhead. Some ask why banks can’t just raise deposit rates. The answer lies in structure. Banks operate under a fundamentally different business model and cost framework. They pay FDIC premiums, maintain capital reserves and comply with extensive supervision — costs most stablecoin issuers don’t bear. Banks also use deposits to make loans, which requires holding capital against potential losses. Stablecoin issuers simply hold reserves in ultra-safe assets, allowing them to pass through nearly all the yield they earn. To match 5% “rewards,” banks would need to earn 6% to 7% on their loan portfolios — an unrealistic target in today’s environment, especially for smaller community banks. The consequence is not fair competition, but a structural disadvantage for regulated depository institutions. The Consumer Bankers Association warns this loophole could trigger a massive shift of deposits from community banks to global custodians. Citing Treasury Department estimates, the Association notes that as much as $6.6 trillion in deposits could migrate into stablecoins if yield programs remain permissible. Because the GENIUS Act’s prohibition applies narrowly to issuers, exchanges and intermediaries may still offer financial returns under alternate terminology. This opens the door to affiliate arrangements that replicate the essence of interest payments without legal accountability. Those reserves don’t stay in local economies. The largest stablecoin issuers hold funds at global custodians such as Bank of New York Mellon, in money market funds managed by firms like BlackRock or — if permitted — directly with the Federal Reserve. When a community-bank depositor moves $100,000 into stablecoins, that capital exits the local bank and concentrates at systemically important institutions. The community bank loses lending capacity; the megabank or the Fed gains reserves. The result is disintermediation with a concentrated risk profile reminiscent of the money-market fund crisis. The Progressive Policy Institute estimates that community banks — responsible for roughly 60% of small-business loans and 80% of agricultural lending nationwide — could be among the most affected. In Louisiana, where local banks finance small businesses and family farms, that risk is especially relevant. If deposits migrate to unregulated digital assets, community-bank lending could tighten, particularly in rural parishes and underserved communities. Research from the Brookings Institution reinforces the need for regulatory parity. The label “rewards” doesn’t change the fact that these payments are economically interest. Allowing intermediaries to generate yield without deposit insurance or prudential oversight could recreate vulnerabilities similar to those seen during the 2008 money market fund crisis. To preserve financial stability, policymakers should move to close the stablecoin-interest loophole. Clarifying that the prohibition on interest applies to all entities— not just issuers — would uphold Congress’ intent. Regulators such as the Securities and Exchange Commission, Commodities Futures Trading Commission and federal banking agencies could also treat “reward” programs as equivalent to deposit interest for supervisory purposes. Stablecoins offer genuine efficiencies in payments, but unchecked yield features risk turning them into unregulated banks. History shows what happens when regulatory arbitrage allows competitors to offer deposit-like products without oversight: deposit flight, institutional instability and capital flowing away from community lenders. Acting now could help sustain stability, protect depositors and preserve the credit channels that support community lending — especially in states like Louisiana, where community banks remain the backbone of Main Street.
On Sunday, October 19, at 9:34 a.m., four masked individuals surged into the Louvre’s Galerie d’Apollon from a severed, second-floor window. Hurriedly, they smashed open two display cases, seized eight pieces of jewelry, then shimmied down a ladder and sped off on motorbikes toward Lyons. In seven minutes’ time, in broad daylight, they absconded with an estimated $102 million in valuables from the world’s most famous museum. This past Saturday, October 25, French authorities announced the first arrests in connection with the daring heist. However, despite the police’s progress, the country continues to litigate the matter—embroiled in discussions of heritage, history and national identity. Recently, Roderick Cooke, PhD, director of French and Francophone Studies at Villanova University, shared his perspective on the situation as well as the artifacts lost. Q: The Louvre heist has been described as “brazen,” “shocking” and a “terrible failure” on security’s part. Is there any sort of precedent for this event in the museum’s history? Dr. Cooke: Nothing on this scale has ever happened to the Louvre since its founding as a museum during the Revolution. The closest equivalent is the 1911 theft of the Mona Lisa by a former employee who claimed it should be returned to Italy. However, that was one painting, the heist was not committed by organized crime, and the Mona Lisa did not have the renown it enjoys today. The impact of the theft was thus lower, although it did cause major outrage and a sweeping law-enforcement response at the time. Ironically, that theft is often credited with making da Vinci’s painting the global icon it continues to be. Q: What has the reaction to this event been among the French people? DC: It’s harder to get a sense of reactions across French society, because so much of the aftermath has focused on the intellectual milieux’s opinions. And in those realms, it has immediately become a political football. Individuals positioning themselves as anti-elite or anti-status quo, such as Jordan Bardella of the National Rally party, have called the theft a “humiliation,” immediately tying it to French national prestige. Former President François Hollande has conversely and vainly called for the event to be de-polemicized, citing national solidarity. This is happening because the Louvre is one of the most visible manifestations of French soft power—the most-visited museum anywhere on Earth. As such, anything attacking its integrity becomes an attack on the nation, and how individual French citizens feel about the theft is closely tied to their broader view of the nation. Q: Several of the items stolen from the Louvre once belonged to Empress Eugénie. Could you share a bit of information on her story? DC: Eugénie de Montijo was a Spanish aristocrat who married the Emperor of the French, who ruled as Napoleon III between 1852 and 1870. It was a time of authoritarian repression and sham democracy—Napoleon III installed the Empire through a coup. Its clearest legacy is that Paris looks the way it does today largely because of the thorough modernizations overseen by Napoleon III’s appointee Baron Haussmann. So, Eugénie and her now-lost jewels represent a complex point in French history, when culture and the economy developed quickly, but did so in a climate of fear for any French person who opposed the regime too loudly (like Victor Hugo, who went into exile on the Channel Islands and wrote poems savaging Napoleon III and his deeds). Some accused the Empress of being responsible for the more hardline and conservative stances taken by her husband’s government. On a different note, she was a diligent patron of the arts and arguably the most significant figure in the contemporary fashion world, famous for setting trends such as the bustle that radiated across Europe. This explains the mix of anger and admiration that followed her depending on the sphere she was operating in. A new English-language biography argues that far from being a traditionalist, she was a pioneering feminist by the standards of the time. It looks like her historical importance will continue to be debated. Q: Interior Minister Laurent Nuñez described the stolen items as “of immeasurable heritage value.” How significant of a cultural loss do you consider this theft? DC: These jewels are referred to in French as “les Joyaux de la Couronne” (the Crown Jewels), but of course that phrase lands very differently in republican France than it does across the water in the United Kingdom. The items actually represent several different dynasties of French rulers, some of whom came to power through direct conflict with others. The now-ransacked display at the Louvre smoothed over these historical divisions, for which many French people died over the centuries. President Macron referred to the stolen items as embodying “our history,” which is emblematic of the French state’s work to create a conceptual present-day unity out of the clashes of the past. At a time when France is arguably more divided than at any point since World War II, any unitary symbol of identity takes on greater significance. Q: Do you have any closing thoughts on the artifacts taken and what they represent? DC: I’d reemphasize the previous point about the smoothing effect of the museum display on the violent history that made it possible. Much of the reporting on the stolen jewels lists off the different queens and empresses who owned them, without giving readers a sense of the complicated succession of regime changes and ideologies that put those women in power in the first place. The relative stability of the last 60-odd years is an anomaly in modern French history. This set of jewels and the names of their original owners may seem far removed from the concerns of an ordinary French citizen today, but just beneath their surface is a legacy of changing governments and tensions between social classes that survives in new forms in 2025.
The Thrill of Fear: The History and Cultural Significance of Horror Movies
From flickering silent films to today’s big-budget blockbusters, horror movies have always tapped into humanity’s oldest emotion: fear. Across decades, they’ve reflected social anxieties, moral questions, and shifting definitions of what scares us. Yet behind every scream lies a story about culture, creativity, and the psychology of thrill. The Origins of On-Screen Fear Horror cinema began in the early 1900s with short silent films inspired by literature and folklore. One of the earliest, Le Manoir du Diable (1896), often considered the first horror film, introduced audiences to bats, ghosts, and the Devil himself. By the 1920s, German Expressionist films like Nosferatu and The Cabinet of Dr. Caligari used shadow and distortion to create unease, shaping the language of horror still used today. Hollywood’s Golden Age of Horror in the 1930s brought monsters to life — Dracula, Frankenstein, and The Mummy — giving audiences both fright and fascination during a time of global economic depression. These films helped people confront real-world fears symbolically, offering escape through imagination. Fear Evolves with the Times Each generation has reinvented horror to reflect its cultural moment. The 1950s’ atomic-age fears spawned giant monsters and alien invasions. The 1960s and ’70s shifted toward psychological and supernatural horror with classics like Psycho, The Exorcist, and The Texas Chain Saw Massacre — films that exposed anxieties about social change, faith, and violence. The 1980s and ’90s introduced slasher icons such as Halloween’s Michael Myers and A Nightmare on Elm Street’s Freddy Krueger, mixing terror with pop-culture spectacle. By the 2000s, horror had splintered into subgenres — from found-footage realism (The Blair Witch Project, Paranormal Activity) to elevated art-house films like Get Out and Hereditary, which use fear to explore race, grief, and identity. Why We Like to Be Scared Psychologists suggest people enjoy horror because it offers safe danger — a way to experience fear, adrenaline, and relief without real threat. Watching horror triggers the body’s fight-or-flight response, followed by catharsis once the tension resolves. Culturally, it provides a mirror to our collective psyche: what we fear, we face, and what we face, we sometimes conquer. Horror also brings people together — in theaters, at home, or online — to share an intense emotional experience. Whether screaming, laughing, or peeking through fingers, audiences participate in a ritual as old as storytelling itself. The Icons of the Genre Among the most popular and influential horror films of all time: Psycho (1960) The Exorcist (1973) Halloween (1978) A Nightmare on Elm Street (1984) The Silence of the Lambs (1991) The Ring (2002) Get Out (2017) Hereditary (2018) Each left a lasting mark on both cinema and culture — showing that horror, far from being niche, remains one of the most expressive and enduring genres in film history. Connect with our experts about the history and popularity of scary movies and horror flicks: Check out our experts here : www.expertfile.com
Batty pathogens: Why do bats spread so many diseases?
Let’s face it — bats get a bad rap. Their links to disease outbreaks and their spooky association with vampires influence their notoriety. In reality, bats are truly remarkable. Bats support our agricultural industries as vital members of food webs. And, contrary to their portrayal in popular Halloween blockbusters, they are gentle and tidy creatures that groom themselves like cats. So why is it that when we hear of disease outbreaks, it always seems to be bats? According to University of Florida Emerging Pathogens Institute member Jim Wellehan, D.V.M., what sets bats apart isn’t black magic at all. But rather, it’s their long history of co-existing with viruses, the unique tradeoffs of flight and, perhaps most of all, a history of adapting to new pathogens. “(Infectious disease) has been the biggest factor in all of evolution,” said Wellehan, who is also a professor at the UF College of Veterinary Medicine. “People are always looking for an excuse (as to) why bats are magic, and the truth is bats have just been exposed to a lot of stuff and selected for those genes accordingly.” While humans are the most populous mammals on Earth, bats are a massive group of animals. Behind rodents, they represent the second-largest group of mammalian biodiversity, accounting for a whopping 20% of all mammal species. With over 1,400 species, it’s no surprise that pathogen diversity in bats is just as extensive and complex. Jim Wellehan's research focuses on comparative infectious disease, pathogen evolution, molecular diagnostics and pathogen discovery. View his profile here Bats, as we know them, have been on Earth for over 50 million years. This extensive period has given pathogens plenty of time to evolve alongside the winged mammals. Bats carry viruses like Ebola, Hendra virus, Nipah virus and SARS-CoV-2, which causes COVID-19. One factor that is important in this viral diversity is flight. Flight provides bats with many evolutionary advantages, such as predator evasion, access to new food sources and the ability to exploit diverse habitats. Flight also dramatically increases the chance of rapid pathogen transmission, as they can travel long distances and past many geographic barriers. Many species are highly social, which increases transmission rates as they live in close proximity and groom one another. “When I first learned about Darwin and evolution, ‘survival of the fittest,’ I assumed, meant ‘smartest and fastest and strongest,’ but if you look at our genomes, turns out that's wrong,” said Wellehan. “The genes that are selected for are mostly immune-related. The most important thing is to have enough genetic diversity in your population so that someone has immunity genes that are effective against the next pathogen that doesn't even exist yet. With their increased mixing and contact rates, bats have done this more often than most animals.” Generally, pathogens are most likely to cause disease when they first infect a new host species, as the susceptible animals have not yet developed the necessary defenses. Pathogens, along with their hosts, have no choice but to evolve to survive. With such a wide variety of species, it is not surprising that bats also carry a large proportion of mammal-associated viruses. This is not to say that bats are immune to all pathogens. As the most rapidly evolving factor in life, infectious disease is an incredibly dynamic part of medicine. Bats can get sick from lyssaviruses, including rabies. Additionally, white nose disease, a fungal infection that targets hibernating bats, has been a growing concern in the United States for the past decade. Though bat pathogens are a significant concern, habitat disturbance plays a larger role in bat population pathogen emergence, ultimately affecting humans as the dominoes fall. “Pathogen transmission to humans and conservation efforts go hand in hand,” Wellehan said. “When populations get under stress, that's when ecological balances get shifted, and zoonotic jumps occur. ... It turns out that if we think of ourselves as something separate from nature, it doesn't work so well.” So, while bats may embody the spirit of Halloween, their “magic” lies in evolution and resilience, shaped by millions of years of flying in the face of viruses, not spooky legends. Looking to know more? We can help. Jim Wellehan is available to speak with reporters about bats - simply click on his icon now to arrange an interview today.
Lighting the Night: The History and Meaning of the Jack-o’-Lantern
No Halloween is complete without the warm flicker of a Jack-o’-Lantern glowing from porches and windowsills. But long before it became a symbol of trick-or-treating and fall décor, the carved pumpkin had deep roots in folklore, superstition, and the immigrant experience that shaped North American culture. From Folklore to Flame The story begins in Ireland, where early Jack-o’-Lanterns were not pumpkins at all, but turnips and beets. The tradition sprang from an old Irish folktale about “Stingy Jack,” a clever but dishonest man who tricked the Devil and was doomed to wander the Earth with only a burning coal inside a hollowed-out turnip to light his way. People began carving their own “Jack’s lanterns” to ward off wandering spirits and evil forces during Samhain, the Celtic festival marking the end of the harvest and the beginning of winter. When Irish and Scottish immigrants brought this tradition to North America in the 19th century, they discovered that the native pumpkin—larger, softer, and easier to carve—was the perfect replacement. The transformation from turnip to pumpkin turned a small superstition into a dazzling new folk art. The American Reinvention By the mid-1800s, Jack-o’-Lanterns had become a staple of Halloween celebrations in the United States. Newspapers of the era described “pumpkin lanterns” lighting up autumn gatherings, and by the early 20th century, the smiling (and sometimes sinister) carved pumpkin was the defining symbol of the holiday. Over time, the tradition evolved from scaring away spirits to creating community and creativity. Towns began holding carving contests, families passed down patterns and designs, and pumpkin patches and Halloween festivals turned the once-humble lantern into an essential piece of American seasonal culture. A Symbol Beyond Scares Today, Jack-o’-Lanterns carry layered meanings: they celebrate harvest, creativity, and folklore while keeping a touch of the supernatural alive. In many ways, they embody the blend of ancient myth and modern celebration that defines Halloween itself—where fear meets fun, and the flicker of a candle becomes both decoration and tradition. Whether whimsical or eerie, the glowing face of a Jack-o’-Lantern continues to connect generations to an age-old story about light overcoming darkness—a reminder that even the spookiest traditions began with a spark of human imagination. Connect with our experts about the folklore, cultural history, and enduring legacy of the Jack-o’-Lantern. Check out our experts here : www.expertfile.com
Understanding and predicting extreme weather in a changing climate
Kelsey Malloy is an assistant professor of climatology in the University of Delaware’s Department of Geography and Spatial Sciences, where she leads the Malloy Climate Research Group. Her research seeks to understand predictable climate variability and how large-scale climate patterns shape local weather and drive extreme events such as tornado outbreaks, floods and severe storms. Malloy’s research advances the predictability and understanding of severe weather in the United States and beyond. Her studies, published in Monthly Weather Review, Weather and Forecasting and Earth’s Future, have shed light on the climate signals influencing tornado activity and Great Plains rainfall. A member of the U.S. CLIVAR Predictability, Predictions, and Applications Interface Panel, Malloy also teaches courses in meteorological analysis and climatology, preparing the next generation of atmospheric scientists. In November 2025, Malloy will share her passion for climate science at TEDxUniversityofDelaware, using storytelling to illustrate climate’s enduring fingerprint on human history and experience. To speak with Malloy about the weather, email mediarelations@ude.edu.
Pumpkins have become a ubiquitous part of the autumn landscape. How exactly did that happen? Cindy Ott, associate professor of history at the University of Delaware and author of Pumpkin: The Curious History of an American Icon, has been featured twice on NPR this fall to discuss just that. On Morning Edition, she explored the evolution of the jack-o’-lantern – from Celtic folklore to the playful, child-friendly Halloween decorations of today – highlighting how pumpkins became symbols of rural life and harvest traditions. On All Things Considered, Ott traced the word “pumpkin” and the plant itself from Indigenous cultivation in the Americas to its status as a beloved autumn icon, showing how pumpkin imagery and nostalgia help sustain small family farms. Journalists covering food history, cultural traditions, seasonal trends or rural life will find Ott’s insights compelling, blending rigorous research with engaging storytelling. She can speak on pumpkins, jack-o’-lanterns, the cultural power of seasonal foods and how historical symbolism continues to shape modern American practices. Ott can be reached by emailing mediarelations@udel.edu.
Stepping Away from the Crown: Royals Giving Up Titles and Duties
Just last week, Prince Andrew announced that he would relinquish his title of Duke of York and other honours, citing that the ongoing allegations against him had become a distraction to the work of the royal family. He asserted this step was taken with the King’s agreement, stating he will no longer use the titles conferred upon him—even as he continues to deny any wrongdoing. A Legacy of Abdication and Renunciation Throughout royal history, stepping back from royal life or formally abdicating has taken many forms. The dramatic abdication of King Edward VIII in 1936—who gave up the British throne to marry Wallis Simpson—remains one of the most famous examples. Other monarchs, like Queen Christina of Sweden and Emperor Charles V, also renounced power to pursue personal convictions. Today’s examples are often more nuanced: royals “stepping down” from duties while retaining birthright status. The case of Prince Andrew fits in this evolving pattern of royal redefinition. Why Royals Leave (or Are Pushed Away) Motivations are diverse: personal choice, scandal, pressure, health, or changing views of leadership. Historically, abdications often responded to political crises. Now, with the monarchy under constant media and public scrutiny, stepping back can be seen as damage control or a bid for personal freedom—particularly in cases involving controversy. The Constitutional and Symbolic Ripples When a royal gives up titles or duties, multiple questions emerge: What role remains? (In Andrew’s case, he loses the Duke title but retains his princely status.) How does the monarchy manage public perception, continuity, and precedence? What are the implications for funding, patronages, and official duties? Such departures also force the institution to grapple with legacy, relevance, and the tension between duty and humanity. Monarchy in the Age of Transparency The modern era demands more from monarchy than ever before: accountability, relevance, and adaptability. When royals step aside—voluntarily or under pressure—it reshapes how the public sees royal duty. These shifts reflect broader questions: what role should individuals born into monarchy play? Can institutions evolve while retaining symbolic continuity? Connect with our experts about the history, symbolism, and modern evolution of royal abdications and withdrawals. To see our full database of experts, visit: www.expertfile.com