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When individuals sign up for direct-to-consumer genetic testing, the extent to which they ever think about their genetic data is likely in the context of the service for which they paid: information on predisposition to a genetic illness, or confirmation of an ethnic background, for example. But that data doesn’t just sit on a shelf, and while the most mainstream concern for such services is the privacy of your data, there is also the question of what else the companies do with it, and how. Ana Santos Rutschman, SJD, LLM, professor and faculty director of the Health Innovation Lab at Villanova University Charles Widger School of Law, is particularly interested in the latter. In June 2025, she co-authored an amicus brief centered on data protection and patient’s interests amid genetic testing company 23andMe’s bankruptcy proceedings. In December, many of those same co-authors published a paper in Nature Genetics, highlighting 23andMe’s bankruptcy as “an inflection point for the direct-to-consumer genetics market,” especially as it pertains to the broader corporate use of individuals’ scientific data. The reason? “How that data is used all depends on the policies of the individual companies,” she said. Genetic Testing Companies Use Your Data For More Than The Services You Pay For Those who utilize genetic testing companies—for any reason—are likely also consenting, often unknowingly, to other unrelated items. This includes acknowledgment of information related to how your data might be further used or monetized. “Most people don't think about secondary and tertiary uses of their data,” said Professor Rutschman. “[What they consent to] is displayed on the website somewhere, but it’s not easily understandable and accessible. It’s fine print.” Such companies often operate beyond the traditional “fee for a service” relationship with consumers. Yes, they will give you the information you paid for—finding out whether you have German ancestry or are predisposed to certain genetic disease—but instead of that genetic data just being stored somewhere, it’s often sold for research purposes. Today, in the age of AI big data, that might look something like this: The company puts your data in a box with parameters, along with thousands of others. Perhaps they are then able to observe a pattern that, until all that data was compiled, was previously unknown. They come up with a diagnostic or a medicine and patent it. That patent is licensed to somebody else, and the company makes money on the product. The use of that data for scientific purposes—even ones that turn a profit— is not problematic in itself, says Professor Rutschman. “Some people may even choose a company that allows scientific research over one that doesn’t. Many people may not care, but some will. The uses are not common knowledge, and that is worrisome. The public should be well-informed about what’s happening.” Deeper problems may arise when they aren’t informed of those potential uses of their data. Professor Rutschman cited the infamous Henrietta Lacks case, in which Lacks’ cells were, and continue to be, one of the most valuable cell lines in cancer research. Neither Lacks nor her family were paid for the widespread use of her genetic material until a settlement was reached long after her death. “When you have biologics involved, a concern is that if you have something potentially valuable, you may not see any money from it.” Bankruptcy Can Cause Policy Upheaval To understand the role bankruptcy can play in all of this, one needs to refer back to the power of individual company policy in this space. There are no external laws that dictate how these companies can further monetize their data, says Professor Rutschman, as long as they don’t violate other laws, such as privacy laws. That means that when a company like 23andMe goes bankrupt, as was the case in 2025, new ownership could enact completely different corporate policies for use of their property. In their specific case, the company was essentially bought back by 23andMe founder and CEO Anne Wojcicki’s non-profit, all but ensuring policies would remain the same. But that is exactly why Professor Rutschman and others are highlighting this specific case. “Bankruptcy is bad in the sense that there's a lot of uncertainty,” she said. “In this instance, the person coming in was the person who was there before, so the policy is likely to continue. But that's very rare. There are a roster of companies with access to biological materials. 23andMe is a good example of something not going horribly wrong, but with the understanding that it absolutely could.” Ways in which that could happen could be new ownership undermining the original intent of the data use by cessation of the company’s previous policies, or charging exorbitant prices to other entities to use that data for scientific research. “Because there is no law, these new owners can essentially do as they please with their proprietary data, unless they do something incredibly careless that amounts to the level of illegal,” Professor Rutschman said. “And that is concerning.” Onus Falls to Companies to Enact Safeguards To ensure a worst-case scenario for such companies does not unfold in a bankruptcy situation, Professor Rutschman points to a number of safeguards they could enact to protect their original commitments, ensure equitable access to data for scientific research and promote fair trade. One of which is implementing a company policy stating that commitments from a previous iteration of the company need to be honored if ownership is transferred. Those could include, as the authors recommend, policies “honoring original research-oriented commitments under which the data were collected,” as well as not “enclosing the dataset for exclusive commercial use.” She also highlights the need for Fair, Reasonable, and Non-Discriminatory (FRAND) voluntary licensing commitments, which are inherently more science and market friendly. “Companies in many sectors have committed to this approach, and we are saying it should apply in this space as well. You’ll charge your royalty, but it can’t be a billion dollars for a data set, nor would it be done by exclusively selling to one entity. You can get that billion dollars by selling to 15, 50 or 100 companies, and from a scientific research perspective, that’s what we want. Otherwise, you have a monopoly or duopoly. “There are a lot of different models that can be used, but ultimately what we are arguing is leaving this unaddressed is a really bad idea. It leaves everything exposed, and something bad is more likely to happen.”
Covering the Economy? FAU has the ideal expert to help with your questions and stories
The economy isn’t just a headline, it’s the story behind nearly every headline. From grocery bills and mortgage rates to job growth, small business confidence, and federal policy decisions, economic forces shape daily life for Americans in ways that are immediate and deeply personal. For journalists, that makes the economy a constant, high-stakes beat. Audiences want clear answers: Why are prices rising? Are we headed for a slowdown? What does the Fed’s next move mean for my community? The challenge is cutting through jargon and partisan spin to deliver insight that’s accurate, grounded, and understandable. That’s where William Luther, Ph.D., stands out. A respected economist and Associate Professor at Florida Atlantic University, Luther brings serious academic credibility, but explains economic trends in plain language that resonates beyond the classroom. His expertise in monetary policy, inflation, unemployment, cryptocurrency, and economic growth makes him a valuable resource for breaking news, enterprise stories, and long-form analysis alike. Whether reporters are covering Florida’s housing market, national interest rate decisions, or the future of digital currency, Luther offers thoughtful, balanced analysis that helps audiences understand not just what’s happening, but why it matters. William Luther, Ph.D., is an expert in monetary economics and macroeconomics. He is an associate professor of economics at Florida Atlantic University, director of the American Institute for Economic Research’s Sound Money Project, and an adjunct scholar with the Cato Institute’s Center for Monetary and Financial Alternatives. The Social Science Research Network currently ranks him in the top five percent of business authors. View his profile Recent media coverage: ABC News Others downplayed the likelihood of a meaningful loss of Fed independence, since news of the DOJ investigation of Powell drew a rare degree of Republican opposition. Powell holds only a single vote on the 12-member board responsible for setting interest rates, they said. “Anytime we’re changing institutions, we should have some concern,” William Luther, a professor of economics at Florida Atlantic University, told ABC News. “At the same time, we should recognize the institutional safeguards we have are pretty strong.” Newsweek William Luther, associate professor of economics at Florida Atlantic University, said that the immediate net financial loss to those in Florida, and all Americans, appears to be "very, very large." Luther added Florida should expect a short-term "sharp contraction" in real estate and tourism, both vital sectors for the state's economy. NPR At the moment, the economy is performing very well. It wasn't performing very well not too long ago, both because of the pandemic, which reduced our ability to produce goods and services quite significantly, and then, as a result of some of the policy responses to that pandemic, we had very high inflation. NBC Will Luther, an economics associate professor at Florida Atlantic University, acknowledged the concerns among students. "Absolutely, there are students very much concerned with whether or not they will be able to get a job when they finish here. The good news is that they will. The bad news is it's a little harder right now than it was, say, two years ago," Luther said. Fox Nation FAU's William Luther joins Fox Nation's Deep Dive, hosted by the Wall Street Journal's Mary Anastasia O'Grady, to discuss the economic impact of cryptocurrencies. Video courtesy of Fox Nation's Deep Dive.
A future in pharmacy, made possible by support and mentorship
A freshman chemistry major from Hinesville, Georgia, Geovanii Pacheco already has his sights set on a career in pharmacy. His ambition is rooted not just in a love for science, but in personal experience. Growing up, his family spent countless hours navigating prescriptions and insurance coverage for his older brother, Devin, who has autism. During those moments, one pharmacist consistently stood out. This was someone who advocated for his family, helped them through paperwork and made sure Devin got the medication he needed. “It really resonated with me,” Pacheco said. “As a pharmacist, I’d like to embody what she did for us, for others as well.” That goal brought Pacheco to Georgia Southern University where he is now supported by the National Science Foundation’s S-STEM Scholarship Program Award. This is a nearly $2 million grant designed to support Pell-eligible students pursuing degrees in biochemistry, biology, chemistry, geosciences, mathematics, physics or sustainability science. For Pacheco, the program has been nothing short of life-changing. “I can say that I’m not going to college with any financial stress,” he said. “I have no money coming out-of-pocket.” Administered through Georgia Southern’s College of Science and Mathematics, the federally funded program provides last-dollar scholarships that cover remaining costs after Pell Grants and other aid are applied. In addition to financial support, the program pairs students with dedicated faculty mentors and offers structured programming aimed at retention, professional development and long-term success. Sara Gremillion, Ph.D., professor of biology and principal investigator on the grant, said the goal is to ensure that students don’t just enroll in college, but that they also thrive once they arrive. “They may not have a strong expectation about what to expect in college,” said Gremillion. “This program not only removes financial barriers, but it also surrounds students with the support they need to navigate college and plan for their future.” Pacheco has felt that impact from day one. Thanks to the program, he moved into his residence hall a week early to attend a one-week Basebamp program to jump start his college experience. There, he met fellow scholarship recipients and connected with his faculty mentor before classes even began. His mentor, Shainaz Landge, Ph.D., associate professor of chemistry, has helped connect Pacheco with opportunities from joining the Student Affiliates of the American Chemical Society to learning about upcoming pre-pharmacy organizations and undergraduate research. “Students such as Geovanii serve as prime examples of the fulfillment derived from mentorship and teaching,” said Landge. “Their growth and engagement highlight the critical role that effective mentorship plays in fostering both academic development.” That blend of mentorship and financial support is exactly what the grant was designed to provide. Over five years, the program will serve dozens of students in eligible majors such as chemistry, biology, biomedical science, biochemistry, physics, mathematics, sustainability science and geoscience. Each student receives individualized scholarship support, up to $15,000 per year, based on need, along with a faculty mentor who stays with them throughout their undergraduate journey. For Pacheco and his family, the scholarship brought immediate relief. He vividly remembers opening the acceptance email with his mother and scrolling down to see the financial aid details. “She was tickled, let me tell you,” he said. “It lifted so much stress off her shoulders. It was life-changing.” Applications to be part of the next cohort of COSM S-STEM Scholars are open until Feb. 1, 2026. Eligibility requirements, necessary documentation and other information can be found at this webpage. Looking to know more about Georgia Southern University or the National Science Foundation’s S-STEM Scholarship Program Award? Simply contact Georgia Southern's Director of Communications Jennifer Wise at jwise@georgiasouthern.edu to arrange an interview today.
Carney Cares. The Tax Code Doesn’t.
Retirement analyst and author Sue Pimento looks more closely at the just-announced "Canada Groceries & Essentials Benefit Program" in the broader context of the country's overall tax-and-benefit system. A closer analysis of steep GIS clawbacks layered on top of taxes shows that some seniors face tax rates comparable to those of the country's highest earners. Pimento argues that we should address this “participation tax” to ensure seniors earn more without being penalized for their work. Prime Minister Mark Carney just announced the Canada Groceries and Essentials Benefit. The intent is good. The relief is welcome. The tax code, however, did not get the memo. Important Disclaimer (Please Read) This article is for educational and discussion purposes only and does not constitute financial or tax advice. Canada's tax and benefit system is complex, highly individualized, and subject to frequent changes. Before making any financial or tax decisions, consult a qualified professional familiar with seniors' benefits, including GIS, OAS, CPP, and related clawbacks. Now that we've cleared that up, let's talk… Here’s a quick overview of what was announced. What the Canada Groceries & Essentials Benefit Program Covers Bigger Benefit Cheques: About 12 million Canadians will receive relief. Food Bank Relief: $20 million to food banks through the Local Food Infrastructure Fund. Food Supply: Immediate expensing for greenhouse buildings to bolster domestic production. Food Security: A national strategy including unit price labelling and enforcement by the Competition Bureau. Business Support: $500 million in supply chain support to help businesses absorb costs rather than passing them on to consumers. These ideas aren’t bad. Some are very sensible. Taken together, the Government estimates in its announcement that these measures would "provide up to an additional $402 to a single individual without children, $527 to a couple, and $805 to a couple with two children. They go on to say that at these levels, Canada’s new government will be offsetting grocery cost increases beyond overall inflation since the pandemic." On paper, this looks helpful. Unfortunately, paper has never had to buy groceries. But… You knew there was a “but” coming. Government announcements are legally required to include one. A Little-Known Tax Reality That Makes You Shake Your Head New research shows Canada's tax-and-benefit system disadvantages low-income seniors who work. The issue? It's hidden in the tax code. On January 28, 2026, a Zoomer Radio Fight Back discussion hosted by Libby Znaimer highlighted the issue. Guests included: • Gabriel Giguère, Senior Policy Analyst, Montreal Economic Institute • Jamie Golombek, Managing Director, Tax & Estate Planning, CIBC Financial Planning & Advice Their conclusion? Canada's tax system discourages low-income seniors from working exactly when they need income the most. Many seniors discover (usually the hard way) that a small side hustle doesn't always pay off. It can lead to higher taxes and benefit clawbacks. Work a little more, and Ottawa takes a lot more. Why Seniors Are Still Working Because the math doesn't add up. Either way. More than 600,000 older adults live below the poverty line. Meanwhile, rent, food, utilities, insurance, and property taxes are increasing faster than pensions ever did. More seniors are employed, particularly GIS recipients. MEI analysis indicates that GIS recipients with work income increased by 56% from 2014 to 2022, rising to 64% among those aged 65–69. These seniors aren't working for "fun money." They're working to keep the lights on and purchase medication. Reviewing the details reminded me of a long-standing issue in my research on income and cash flow for Canadians aged 55 and over. Many Canadians can’t make ends meet and are forced to work well past 65. Yet Canada’s tax system punishes low-income seniors for working—exactly when they need income most. To understand why, we need to look at the Guaranteed Income Supplement. The Guaranteed Income Supplement (GIS) Program for Low-Income Seniors Here's how the GIS benefits work: • A non-taxable monthly benefit on top of Old Age Security for low-income seniors. • Roughly one-third of OAS recipients also receive GIS—over 2 million Canadians. • For a single senior with no other income, the maximum annual benefit is about $13,000. (Source: Government of Canada GIS website) The program has done meaningful work. Combined with OAS, CPP, and private pensions, Canada dramatically reduced senior poverty over the past half-century. But there’s a catch hiding in the design. Think of GIS as a hug that tightens when you try to stand up. The GIS Clawback Problem for Canadians GIS recipients can earn only $5,000 per year in employment income before clawbacks begin. After that, GIS takes back 50 cents of every dollar earned—before income tax and payroll deductions. A partial exemption applies to the next $10,000, where 25–37.5% is clawed back. The program helps seniors—right up until they try to help themselves. How the GIS Clawback Works Against Working Seniors Let me illustrate this. Meet Agnes. She is about to learn more about marginal tax rates than any bookstore employee should. Agnes is between 65 and 69 years old, lives alone, and receives OAS and CPP. Rising costs push her to take a job at a local used bookstore. She works about 15 hours a week at roughly minimum wage. Here annual gross employment income is about $13,000 Here’s what happens: • Her employment income triggers GIS clawbacks once she exceeds $5,000. • She pays income tax, CPP contributions, and sometimes EI premiums. • Between taxes and clawbacks, much of her earnings disappear. Simple version: Agnes works more hours but keeps far less than expected. When you keep 20 cents on the dollar, even capitalism looks confused. Agnes didn’t go back to work for the thrill of alphabetizing mystery novels. She did it to afford her prescriptions. A Canadian Tax System That Punishes the Wrong Thing If we’re going to test income, test investment income. Fine. Tax it. But employment income? Showing up? Working? The system treats that like misconduct. Once you add income tax, CPP contributions, and the loss of other credits, low-income seniors can face effective marginal tax rates of 70–80% on modest earnings. Nothing says “fairness” like taxing a bookstore clerk harder than a boardroom executive. As Gabriel Giguère of the Montreal Economic Institute has noted, "this level of taxation normally applies to wealthy Canadians—not seniors living in poverty." In a well-researched economic brief, Giguère and Jason Dean, Assistant Professor of Economics at King’s University College at Western Ontario, present a compelling argument for policy change. This comment by Giguère and Dean nicely sums up their key findings: "For various reasons, including insufficient pensions to maintain their living standards, seniors are increasingly turning to work. Yet the current tax-and-benefit system merits reform as it undermines their efforts, with the harshest effect on low-income seniors." One-Time Credits Don’t Fix Structural Problems At Davos, Mark Carney famously said, “Nostalgia is not a strategy.” Fair point. So why does our benefit system still behave as if retirement lasts ten years and ends with a gold watch? The system still thinks retirement lasts ten years and includes a gold watch. People are living longer. Many will spend 25 to 30 years in retirement. Some want to work. Many need to. A grocery credit helps. But a broken incentive structure still breaks people. Common Sense Tax Solutions the Canadian Government Should Consider 1. Raise the GIS earnings exemption The Montreal Economic Institute recommends raising it to around $30,000. Estimated cost: $544 million annually. Modest relative to the program’s size. 2. Exempt employment income from GIS clawbacks (at least partially) Keep testing investment income. Stop penalizing work. 3. Rethink retirement assumptions Policy built around “retire at 65 and earn almost nothing” no longer matches reality. None of these ideas are radical. They’re just… current. What to Ask Your Accountant About Your Tax Rate Get professional advice. Not generic advice. Not from Google. Not from your unemployed nephew. Ask specifically about: • Pension income splitting • Strategic RRSP contributions • Consulting or corporate structures where appropriate • Creative but compliant barter arrangements • CPP and OAS deferral strategies • Documentation. Lots of documentation. When clawbacks are involved, paperwork is your lifeboat. A Short, Honest Take Grocery relief is appreciated. The intent is good. But until Canada fixes a tax system that punishes low-income seniors for working, affordability will remain fragile. This isn’t about blame. It’s about aligning incentives with reality. Right now, it feels like we’re helping seniors swim by handing them bigger life jackets—while quietly drilling holes in the boat. And yes… I need to lie down. I feel another blog coming on. Apparently, exercising this much common sense counts as cardio. Sue Don't Retire...Re-Wire! Want more of this? 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Aston University economists say Prime Minister can reduce UK trade vulnerability with China visit
Greenland episode exposed UK’s lack of effective response to economic coercion from allies Research shows tariff retaliation would have cost the average UK household up to £324 per year Economists say China visit is “portfolio risk management” – diversification reduces vulnerability. The Prime Minister’s visit to China – the first by a British PM since 2018 – is an opportunity to reduce the UK’s vulnerability to economic coercion, according to new research from Aston University. A policy paper from Aston Business School’s Centre for Business Prosperity analyses the January 2026 Greenland tariff episode, when President Trump threatened and then withdrew tariffs on eight European countries. The researchers found that the UK had no good options: retaliation would have made Britain worse off, while absorbing the tariffs left Europe without credible deterrence. Director of the centre for business prosperity, Professor Jun Du, said: “The Greenland episode was a wake-up call. When your principal security ally threatens economic coercion, the old assumptions about who is safe and who is dangerous no longer hold. “The PM’s China visit should be framed as portfolio risk management – building diversified trading relationships that reduce the UK’s exposure to any single partner. Just as investors don’t put all their money in one stock, countries shouldn’t put all their trade into one basket. A UK with multiple strong partnerships is harder to pressure, whether the pressure comes from Washington or Beijing.” The research found that coordinated UK–EU tariff retaliation would have cost British households up to £324 per year – the worst outcome modelled. But the authors argue that Europe has untapped leverage elsewhere: the US runs a €148 billion annual services surplus with the EU, and mutual investment exceeds €5.3 trillion. Associate professor of economics and co-author, Dr Oleksandr Shepotylo, said: “Tariff retaliation fails because it hurts consumers and distorts the economy – the retaliator suffers similarly to the target. But Europe has cards it isn’t playing. Services, investment screening, and regulatory access are pressure points where Europe can respond effectively.” UK exports to China fell by 10.4% in the year to Q2 2025, with goods exports down 23.1% – the sharpest decline among major trading partners. The researchers argue that this closes off the UK’s largest alternative market at precisely the moment US reliability is in question. The paper identifies three priorities for UK policy: Recognise the permanent incentives behind US tariffs. US tariff revenue hit $264 billion in 2025. Trade negotiations alone cannot resolve revenue-driven policy. Build UK–EU coordination on non-tariff instruments. Services, investment, procurement, and regulation offer leverage that tariffs do not. Treat China engagement as portfolio risk management. Concentration in any single market creates vulnerability. Diversification is not about picking sides – it’s about resilience. Professor Du added: “The question for the Prime Minister is whether to use this breathing space to build resilience – or wait for the next Greenland.” To read the policy paper in full, click on this link:
Researchers warn of rise in AI-created non-consensual explicit images
A team of researchers, including Kevin Butler, Ph.D., a professor in the Department of Computer and Information Science and Engineering at the University of Florida, is sounding the alarm on a disturbing trend in artificial intelligence: the rapid rise of AI-generated sexually explicit images created without the subject’s consent. With funding from the National Science Foundation, Butler and colleagues from UF, Georgetown University and the University of Washington investigated a growing class of tools that allow users to generate realistic nude images from uploaded photos — tools that require little skill, cost virtually nothing and are largely unregulated. “Anybody can do this,” said Butler, director of the Florida Institute for Cybersecurity Research. “It’s done on the web, often anonymously, and there’s no meaningful enforcement of age or consent.” The team has coined the term SNEACI, short for synthetic non-consensual explicit AI-created imagery, to define this new category of abuse. The acronym, pronounced “sneaky,” highlights the secretive and deceptive nature of the practice. “SNEACI really typifies the fact that a lot of these are made without the knowledge of the potential victim and often in very sneaky ways,” said Patrick Traynor, a professor and associate chair of research in UF's Department of Computer and Information Science and Engineering and co-author of the paper. In their study, which will be presented at the upcoming USENIX Security Symposium this summer, the researchers conducted a systematic analysis of 20 AI “nudification” websites. These platforms allow users to upload an image, manipulate clothing, body shape and pose, and generate a sexually explicit photo — usually in seconds. Unlike traditional tools like Photoshop, these AI services remove nearly all barriers to entry, Butler said. “Photoshop requires skill, time and money,” he said. “These AI application websites are fast, cheap — from free to as little as six cents per image — and don’t require any expertise.” According to the team’s review, women are disproportionately targeted, but the technology can be used on anyone, including children. While the researchers did not test tools with images of minors due to legal and ethical constraints, they found “no technical safeguards preventing someone from doing so.” Only seven of the 20 sites they examined included terms of service that require image subjects to be over 18, and even fewer enforced any kind of user age verification. “Even when sites asked users to confirm they were over 18, there was no real validation,” Butler said. “It’s an unregulated environment.” The platforms operate with little transparency, using cryptocurrency for payments and hosting on mainstream cloud providers. Seven of the sites studied used Amazon Web Services, and 12 were supported by Cloudflare — legitimate services that inadvertently support these operations. “There’s a misconception that this kind of content lives on the dark web,” Butler said. “In reality, many of these tools are hosted on reputable platforms.” Butler’s team also found little to no information about how the sites store or use the generated images. “We couldn’t find out what the generators are doing with the images once they’re created” he said. “It doesn’t appear that any of this information is deleted.” High-profile cases have already brought attention to the issue. Celebrities such as Taylor Swift and Melania Trump have reportedly been victims of AI-generated non-consensual explicit images. Earlier this year, Trump voiced support for the Take It Down Act, which targets these types of abuses and was signed into law this week by President Donald Trump. But the impact extends beyond the famous. Butler cited a case in South Florida where a city councilwoman stepped down after fake explicit images of her — created using AI — were circulated online. “These images aren’t just created for amusement,” Butler said. “They’re used to embarrass, humiliate and even extort victims. The mental health toll can be devastating.” The researchers emphasized that the technology enabling these abuses was originally developed for beneficial purposes — such as enhancing computer vision or supporting academic research — and is often shared openly in the AI community. “There’s an emerging conversation in the machine learning community about whether some of these tools should be restricted,” Butler said. “We need to rethink how open-source technologies are shared and used.” Butler said the published paper — authored by student Cassidy Gibson, who was advised by Butler and Traynor and received her doctorate degree this month — is just the first step in their deeper investigation into the world of AI-powered nudification tools and an extension of the work they are doing at the Center for Privacy and Security for Marginalized Populations, or PRISM, an NSF-funded center housed at the UF Herbert Wertheim College of Engineering. Butler and Gibson recently met with U.S. Congresswoman Kat Cammack for a roundtable discussion on the growing spread of non-consensual imagery online. In a newsletter to constituents, Cammack, who serves on the House Energy and Commerce Committee, called the issue a major priority. She emphasized the need to understand how these images are created and their impact on the mental health of children, teens and adults, calling it “paramount to putting an end to this dangerous trend.” "As lawmakers take a closer look at these technologies, we want to give them technical insights that can help shape smarter regulation and push for more accountability from those involved," said Butler. “Our goal is to use our skills as cybersecurity researchers to address real-world problems and help people.”
CPP, OAS, and the Retirement Timing Tango — The Most Important Dance of Your Life
You’ve been contributing to it your whole life—now let’s get it right. Every retiree dreams of mastering one crucial dance: the Retirement Timing Tango. And here’s the truth—next to good health, guaranteed, predictable income (GPI) sits at the top of every retiree’s wish list, mind list, and need list. Enough income opens the door to independence, autonomy, dignity, and the most sought-after prize of all: aging in place. Not enough income? That will rob you of sleep and enjoyment, creating a non-stop loop of 3 a.m. worry sessions that no melatonin can fix. A badge of a successful retirement starts with enough income to meet all your obligations. This matters far more than leaving an inheritance or making sure your ungrateful nephew gets the cottage. But here’s the thing about this particular tango: you need proper footwear. Orthopedic dance shoes, folks. Not slippers. Not boots. And definitely not Crocs (no shade here). Think support, stability, and a sole that won’t let you down over a long retirement. Here’s the sobering reality: 61% of Canadians fear running out of money in retirement. Women experience this anxiety even more—66% compared to 56% of men (CPP Investments, 2024). Meanwhile, 57% of working Canadians feel unprepared for retirement, and 13% don’t believe they’ll ever retire at all (HOOPP, 2024). Many overlook this, but two powerful government programs—the Canada Pension Plan (CPP) and Old Age Security (OAS)—can form the foundation of retirement income. The CPP fund holds over $675 billion in assets and is expected to remain sustainable for at least 75 years. Nearly three in four Canadians depend on it. The key is timing. Get it wrong, and you could leave serious money on the dance floor. Get it right, and your decisions could result in over $100,000 more in lifetime income. That’s not small change—that’s peace of mind. Think of CPP and OAS as your retirement dance partners—two leads working together to keep you steady and confident. But timing is crucial. When you decide to claim these benefits can mean the difference between a smooth glide across the dance floor and a financial stumble. How Much Money Do OAS and CPP Pay Out? Canadian Pension Plan (CPP): The maximum CPP retirement pension at 65 is $1,433 per month, though most Canadians receive between $830 and $899 based on their contribution history. Old Age Security (OAS): Payments for OAS are up to $740 monthly for ages 65–74 and $999 monthly for those 75 and older—these benefits can support your retirement if used strategically. You cannot start OAS before age 65. How to Calculate Your OAS Monthly Benefit The maximum monthly OAS payment for someone aged 65 to 74 is around $740–$742 per month in 2026, assuming you qualify for the full amount and do not have a clawback due to high income. If you defer OAS till Age 70, the monthly payments increase. Here's the formula. For each month you defer past age 65, your monthly OAS pension increases by 0.6%. That’s 7.2% per year. Over 5 years (age 65 → 70), this adds up to a maximum increase of 36%. Note: There’s no additional benefit to waiting past age 70; the 36% maximum applies at age 70. The Monthly OAS amount you receive depends on a Number of Factors: The age you start receiving benefits (see above) Your residency history in Canada (minimum of 10 years after age 18 to qualify; to reach the full payment amount generally requires 40 years). Income can reduce or eliminate your OAS benefit, even if you defer, due to an income-related “clawback”. Please note these amounts are subject to change. For updates, check the Government of Canada website here. Let’s be crystal clear: CPP and OAS are not handouts CPP is your deferred earnings—your money, matched by your employer. OAS is your citizens’ dividend, earned through residency in Canada. As Grant Roberts, CFP, a financial planner with the accounting firm Welch LLP, says, “OAS is a security blanket. Society is better when people aren’t impoverished at the end of life.” Lose the stigma. You earned this. This is where the choreography becomes tricky. You must make lifetime decisions without knowing how long you'll live (fun, right?). According to Statistics Canada, a 65-year-old Canadian can expect to live another 20 years on average, and if you’re already 65 in good health, your personal runway might be even longer. Taking CPP at 60 lowers benefits by 36%. Waiting until 70 increases benefits by 42%. Using average benefits, deferring can result in more than $100,000 extra in lifetime income. If you live long enough. Fred Vettese, a former chief actuary of Morneau Shepell (now Telus Health) and a national thought leader on retirement issues who has published the bestseller, Retirement Income for Life (ECW Press) has some important insights to share on how age impacts these OAS and CPP payouts. Vettese explains, “Approximately 75% of people win by deferring CPP to age 70 because they live past the break-even point.” His research indicates that about 75% of retirees benefit from delaying CPP until 70, while around 25% do not. Most people underestimate their longevity, but the odds are actually in favour of living long enough for the deferral to pay off. This is where inaction becomes dangerous. As Grant Roberts warns, “Inaction isn’t neutral—it’s a decision by default. While CPP does not start automatically at 65, OAS generally does for most people. The government won’t call to ask if you want to delay OAS for a higher payment—or remind you to apply for CPP at all. You have to ask, and you have to act.” And this isn’t theoretical. Roberts has seen seniors in their 70s who had never started CPP, simply because no one told them they had to apply. We’ve spent our entire adult lives being trained to save, so it’s unreasonable to think we can just flick a switch and suddenly become confident spenders the day we retire. As Grant Roberts puts it, “We teach saving for 50 years—no one teaches spending.” So here’s the real question: what’s your money brand? Saver? Spender? A hybrid in sensible shoes? Retirement requires a rebrand. Lifelong savers often need permission to spend—on experiences, joy, and yes, even dance lessons. Lifelong spenders may need to learn how to waltz with a budget (spoiler alert: let the budget lead). Either way, retirement isn’t about changing who you are—it’s about adjusting your rhythm so your money finally works for the life you’re living now. What About OAS Clawbacks? If your income exceeds about $90,000, the OAS clawback is 15 cents for every dollar. OAS clawbacks often discourage people unnecessarily. As I always say, "don’t let a dime stand in the way of a dollar." Strategic RRSP withdrawals between ages 65 and 70 can greatly reduce future clawbacks and enhance long-term results. This is choreography, not chaos. CPP and OAS planning should begin in your 50s, not at 64½. Ask yourself whether you intend to work past 65, whether you’re healthy enough to delay, and what income sources will fill the gap. Waiting for someone else to lead this dance is a sure way to step on your own toes. Proactively Managing Your OAS and CPP Benefits While most Canadians are automatically enrolled for Old Age Security (OAS) and will receive an enrollment letter around their 64th birthday, you may need to take action if you want to delay your start date to receive higher monthly payments. If you wish to delay, change your start date, or correct any information in your enrollment letter, you'll need to contact Service Canada directly. You can manage these choices in one of three ways: Go Online: Visit "My Service Canada Account" By Telephone: Call 1-800-277-9914 In-Person: Visiting a Service Canada Centre near you Don't assume automatic enrolment means the timing is right for you—review your options carefully, as the decision to delay could significantly increase your retirement income. The Last Dance (Remember the Poorly Lit High-School Gym?) Because the Retirement Timing Tango isn’t a sprint—it’s a 30-year dance marathon, and you are both the dancer and the charity you’re raising money for. CPP and OAS, timed well, aren’t about financial flash; they’re about stamina, balance, and staying upright long after the music changes. Get the timing right and your later years won’t feel like a frantic scramble under flickering gym lights—they’ll feel like a slow, confident final song where you know the steps, trust your footing, and aren’t worried about collapsing halfway through. That’s the point. Not just surviving retirement, but staying on the floor until the very last dance—with dignity, confidence, and enough income to enjoy the moment instead of counting the minutes until it’s over. Sue Don’t Retire… ReWire! Know someone who’s about to leave serious money on the dance floor? Forward this blog before the music stops. Consider it a public service announcement disguised as friendship. And if you want regular doses of retirement clarity, confidence, and choreography (no leotards required), subscribe here.
Kamran Kardel, Ph.D., associate professor of manufacturing engineering in the Allen E. Paulson College of Engineering and Computing, is leading a multidisciplinary research team to help regional logistics companies increase efficiency. Funded through the college’s Remotely Operated Warehouse Services (ROWS) Laboratory, with seed money from Crider Foods Inc., the team is composed of Kardel, Ryan Florin, Ph.D, assistant professor of computer science and students. Kardel and his team are using the software to build simulations, known as “digital twins,” that replicate warehouse operations like picking, packing and shipping. The ROWS Laboratory will serve as a development site, allowing the simulations to be thoroughly tested and validated before being presented to third parties. The ultimate goal is to provide industry partners with simulation capabilities using AnyLogic Software and Internet of Things (IoT) integration. The IoT refers to a network of physical devices located within and around the warehouse, such as mobile robots, sensors and cameras, that collect and share real-time data over the internet. That ensures optimal accuracy and responsiveness. The ultimate goal is to provide industry partners with simulation capabilities using AnyLogic Software and Internet of Things (IoT) integration. This industry collaboration also provides important professional development for the students working on the project. “I have a few students, both undergraduate and graduate, who are going to be involved in this project from beginning to end,” said Kardel. “Several of them have mentioned to me that this is their first time with direct access to the industry and potential employers.” Continuing the theme of collaboration, the project could result in shared postdoctoral positions with Ireland’s South East Technological University in its Lean Industry 4.0 Lab. While still in its early stages, Kardel hopes this partnership will give this research an even larger scope. “The Lean Industry 4.0 Lab has a lot of experience in IoT,” Kardel explained. “By joining Ph.D. programs, hopefully we can work together and improve logistics here in our region and in Ireland.” Ultimately, Kardel says this research can give companies a leg up in an increasingly digitized world. “As far as automation, for companies in southeast Georgia and South Carolina, I would say it’s becoming more common,” he said. “It’s still a mixed bag, though some warehouses are fully automated, some are not. The work we are doing can help companies remain competitive.” Looking to know more about Georgia Southern University or connect with Kamran Kardel? Simply contact Georgia Southern's Director of Communications Jennifer Wise at jwise@georgiasouthern.edu to arrange an interview today.
The H³ Plan: How to Retire Without Losing Your Mind & How You Can Support Older Relatives
MEDIA ADVISORY Retirement planning expert Sue Pimento introduces her H³ Plan — a research-backed framework for maintaining mental and emotional health in retirement that goes beyond financial planning. The framework identifies three essential pillars — Hope, Help, and Horizon — that help combat the emotional flatness many retirees experience after leaving structured work. Drawing on neuroscience research and clinical insights, Pimento offers a practical "emotional pension plan" for the growing population of Canadians navigating this life transition. Sue Pimento is available for interviews on retirement wellness, healthy aging, and the psychology of life transitions. Retirement doesn't arrive with a crash. It arrives quietly. One day, you stop setting alarms, stop racing against the clock, stop feeling urgently needed—and no one gives you the mental and emotional playbook for what comes next. There should be a chapter titled: How to Keep Your Brain Engaged, Regulated, and Not Mildly Irritated by Everyone. Instead? 404 page not found. (Translation: the system is actively seeking guidance… and coming up empty.) And if you're nodding along thinking "yes… exactly" — IYKYK. (If You Know, You Know. And if you don't yet, give it time.) Understanding Your Emotional Pension Plan After years of writing, researching, listening, and living through this stage myself, three factors consistently emerge as essential to maintaining mental and emotional health as we age. I call it H³: Hope, Help, and Horizon. Here's why each one matters—and why neglecting any of them leaves you emotionally drained. Think of them as your emotional pension plan — not optional, not fluffy, but essential. 1. Hope: Not Just Wishful Thinking — Agency, Clarified In her reflective New York Times article, "Your Hopes," journalist and believing host Lauren Jackson examines increasing cynicism, waning trust, and—most importantly—what research indicates truly can turn the tide. One line sums up the difference perfectly: Optimism is believing the future will improve. Hope is believing you can make it so. Here's why that matters. Optimism versus Hope (Plain-English Edition) Optimism is passive: "Things will probably work out." Hope is active: "I can influence what happens next." Optimism awaits. Hope takes part. From a psychological perspective, hope is based on: • Agency (I am able to act) • Pathways thinking (I can find a way) Research from the University of Oklahoma's Hope Research Center indicates that hope is one of the strongest predictors of well-being, often surpassing income, education, and even past success. For retirees, this distinction is important because aging narratives often aim to gently remove us from the driver's seat. Hope replies with something more like: Back off, sister. I refuse to buy into outdated stereotypes. I've upgraded to a more modern version of aging—like a new iPod model. (Stereos are out of style. Keep up.) Hope maintains the nervous system in an engaged state rather than resignation. In fact, some see hope as far more nuanced. Frank O’Dea, best known for his personal comeback story — from being homeless to later becoming a very successful coffee entrepreneur as the co-founder of the Second Cup shares his thoughts in his book, “Hope is Not a Strategy.” His personal narrative reinforces a deep belief in hope as a powerful emotional engine, but never as a substitute for action. O’Dea, who later went on to be a co-founder of the Second Cup Coffee Company and is a recipient of the Order of Canada for his philanthropy and humanitarian work, speaks to the human tendency to confuse optimism with preparation — people often wish their way into opportunity, rather than work their way into readiness. I love this line from his book: “Hope is important — it gives us purpose. But without a strategy, it leaves us vulnerable. We win not by wishing, but by working.” — Frank O’Dea 2. Giving Back: Your Brain's Favourite (Unpaid) Job Giving back isn't about virtue. Or virtue signalling on social, for that matter. (It's not a branding exercise. No hashtag required.) It's about nervous system regulation. Over the holidays, I was listening to an interview on CBC Radio and found myself doing that thing where you stop playing Vita Mahjong mid-game because someone said something so logical but also completely fascinating. Gloria Macarenko’s episode with Vancouver-based psychologist and therapist Lawrence Sheppard explored in detail how giving back influences us and what he has personally observed in his practice. The message? Giving back is a key factor for mental health. Certainly, we've all heard the well-known phrase "tis better to give than receive"—or a version of it. But Sheppard wasn't referring to virtue or being kind. He was discussing what truly happens in the brain when we give. Here's the short version: Helping others shifts the brain out of threat mode and into meaning mode. So what's Happening Neurologically? Building on Sheppard's clinical work and broader neuroscience: • Chronic stress forces the nervous system to stay hyper-vigilant. • Rumination shifts inward and intensifies the sense of threat. • Contribution shifts focus outward • Helping activates reward pathways and emotional regulation. Giving back restores balance. • purpose • structure • connection • competence Giving back reminds your brain it's still engaged—just not earning money. (My definition of volunteering. Not Webster's.) And many retirees miss that feeling more than the salary. They also miss the tangibles: vinyl records, 99-cent bread, and the quiet satisfaction of being needed somewhere at 9 a.m. Importantly, giving back—like hope—helps regulate the nervous system by decreasing feelings of isolation and restoring a sense of predictability. Your brain prefers knowing where it belongs. 3. Something to Look Forward To: Anticipation Is Medicine This one is sneaky powerful—and well documented. Having something to anticipate generates excitement. And excitement is not merely a feeling. It's a nervous system event. Here's the connective tissue: All three pillars—hope, giving back, and anticipation—work because they shift the nervous system away from threat and stagnation, and toward engagement, reward, and regulation. The Science (Why Anticipation Works) Research by neuroscientist Wolfram Schultz showed that dopamine spikes most strongly before a reward—not during it. Later studies in affective neuroscience confirmed: • Anticipation boosts motivation and positive emotions. • Future-oriented thinking diminishes depressive rumination. • Predictable positive events enhance mood regulation. In plain English: Your brain lights up when it knows something good is coming. In many instances, anticipation offers more emotional uplift than the event itself. Think: • first date • first kiss • first solo trip • first "I can't believe I'm actually doing this" moment You cannot buy that feeling in a bottle. (Not even the little blue pill will do it.) Why This Matters in Retirement Work used to provide: • deadlines • milestones • future orientation • purpose • feedback • connection • a sense of accomplishment And yes—before anyone writes me a letter—stay-at-home moms, caregivers, and volunteers: that is work. Don't get me started. When structured work concludes, those inputs aren't automatically replaced. Without things to look forward to: • time flattens • mood dulls • life becomes emotionally beige Something—anything—on the calendar restores forward motion. What Giving Back Looks Like in Real Life My friend Janet retired at 63 with a solid financial plan and no emotional plan. Six months in, she was climbing the walls—bored, restless, wondering why she felt so flat when she "should" be enjoying herself. Then she started tutoring at the library (Help), signed up for a pottery course (Horizon), and realized she could actually shape this chapter however she wanted (Hope). Different person. Same retirement account. Completely different nervous system. Big Things Are Overrated Waiting for something big to look forward to is often just perfectionism wearing a sensible cardigan. We tell ourselves the next big milestone will fix everything, when in reality, progress usually happens in a game of inches. Small choices, taken consistently, create big shifts. Direction beats intensity every time. As I wrote in my last blog about my Everest Base Camp and MBA journey: Even Cs get degrees. And I'll add: Consistent B- work wins most races. Small counts: • weekly plans • standing dates • tickets bought months ahead • regular commitments Anticipation is hope with a calendar invite. The H³ Framework for a Happy Retirement (Hope. Help. Horizon.) All three regulate the nervous system and keep us engaged. Hope — I can still shape things Help — I'm useful and connected Horizon — My life has forward motion If life feels flat, add one from each column. That's the prescription. Retirement isn't just about slowing down. It's about re-wiring. In plain English: You are not done yet! Remember, hope keeps you engaged. Giving back keeps you grounded. Looking forward keeps you light. Or, translated: A happy retirement isn't passive. It's practiced. A Note for Those Supporting Older Relatives If you have aging parents, relatives, or friends in your life, be on the lookout for signs of depression, resignation, or apathy. The signs are obvious if you're paying attention: flat affect, repetitive complaints, withdrawal, that vague sense they're just going through the motions, or their smile doesn't reach their eyes. Here's what not to do: point it out directly or suggest they "find a hobby" or "volunteer somewhere." Here's what does work: create Hope and Horizon by scheduling regular outings—lunch, a walk, a movie, anything with a date attached. Sometimes we underestimate how much seniors look forward to our visits and connections. It's better than any tonic or medication to lift spirits, young and old. In this scenario, action speaks louder than words. Talking about depression often brings up shame and further withdrawal. Instead, think of love as a verb, not a noun. You don't need to fix anything. Just show up. Regularly. Predictably. No grand gestures. No reinvention required. Just presence with a pulse - and notifications on mute! Be that person! Don't retire. Re-wire. — Sue Want more of this? Subscribe for weekly doses of retirement reality—no golf-cart clichés, no sunset stock photos, just straight talk about staying Hip, Fit & Financially Free. Subscribe Here
Sun-Sentinel: What happens when parents go beyond sharenting?
So many parents routinely share photos and news about their kids on social media that the behavior has a name: sharenting. Usually harmless and well-meaning, it can also take a dangerous turn, exposing children to online predators, allowing companies to collect personal information and creating pathways for children to become victimized by identity theft. The risks are most pervasive when parents overshare to profit from their social media accounts. Whenever parents share, they are the gatekeepers, tasked with protecting their children’s information, but they are also the ones unlatching the gates. When parents profit from opening the gates, it is especially challenging to balance protecting their kids’ privacy against sharing their stories. Federal and state laws typically give wide deference to parents to raise their children as they see fit. But the state can and does intervene when parents abuse their children. Those laws protect children in the physical world. However, few laws shield children when parents risk harming them online. Let’s consider this hypothetical situation based on a composite of real-life events. Mia (fictional name) is a 7-year-old girl growing up in Orlando. Her mother is a stay-at-home parent who has a public Instagram account and considers herself an influencer. Many lingerie brands pay Mia’s mom to model their clothing. When a lingerie company from overseas offers Mia’s mom some money to have Mia also pose in their clothing, Mia’s mom says yes. Over the next few weeks, Mia and her mom model the clothing together in pictures and videos, sometimes wearing the outfits while reading together in bed, having pillow fights or being playful around the house — always in clearly intimate but arguably appropriate settings. Mia’s mom’s social media page explodes with new followers, many of whom appear to be grown men. The images on the page receive hundreds of likes and multiple comments. Mia’s mom deletes the most inappropriate comments but leaves others, hoping to increase engagement. As Mia’s mom’s social media following grows, so does the amount of money she earns. Mia tells her teacher about the social media page. Her teacher reaches out to Mia’s parents, to no avail. Mia’s mom keeps sharing. The teacher sees this as a potential form of abuse and neglect and, according to her obligation as a mandatory reporter of abuse, she calls in a report to the state’s central abuse registry. The teacher isn’t trying to get Mia’s mom in criminal trouble, but she thinks the family could use some education surrounding safe social media use and possibly access to financial support if they need this type of online exposure to pay the bills. The intake counselor declines to accept the hotline call. The counselor explains that the posting of pictures is not grounds for an abuse, abandonment or neglect investigation. The parent is sharenting, the counselor says, and that is within a parent’s right. Of course, child sexual abuse material is illegal, but the photos posted by Mia’s mom fall into a gray area — not illegal material, but likely harmful to Mia. Should there be a law to stop this? I believe there should be. Just as our views regarding child abuse have evolved, so must our views on sharenting. Merely 150 years ago, it was legal for parents to beat their children. It wasn’t until 1874, when a little girl named Mary Ellen was beaten severely by her caregiver, that courts began to step in. Drawing from existing laws prohibiting animal cruelty, the Society for the Prevention of Cruelty to Animals argued that Mary Ellen had the right to be free from abuse. At the time, there were laws protecting animals from harm by their caregivers but no laws protecting children from such harm! Back to the present: Mia’s disclosure to her teacher could have changed her life and led to her family getting online safety help, if only the child welfare laws were suitably tailored to protect her in the online world as they attempt to do offline. Child protection laws should be expanded to include harms that can be caused by online sharing. The law can both protect parental autonomy and honor children’s privacy through a comprehensive and multidisciplinary new approach toward protecting children online — one that allows for thoughtful investigation, education, remediation and prosecution of parents who use social media in ways that are significantly harmful to their children. This conduct, which falls beyond sharenting, is ripe for legal interventions that reset the balance between a parent’s right to share and a child’s right to online privacy and safety. Stacey Steinberg grew up in West Palm Beach and now lives in Gainesville, where she is a professor at the University of Florida Levin College of Law; the supervising attorney for the Gator TeamChild Juvenile Law Clinic; the director of the Center on Children and Families; and the author of “Beyond Sharenting,” forthcoming in the Southern California Law Review. This piece was also published in the South Florida Sun-Sentinel.
