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As the moon passes in front of the sun on August 12, 2026, viewers along the eclipse’s path of totality in Iceland, Greenland and Northern Spain will be treated to more than two minutes of daytime darkness. For many, it will be their first experience in totality. For the eclipse itself, it’s just another slightly different chapter in a millennium-long rinse and repeat. That’s because every eclipse belongs to what is called a saros series—a “family” of eclipses that follow a predictable schedule. A saros series begins and ends with partial eclipses near opposite poles of the Earth, and in between may feature annular, hybrid or total eclipses—like the kind occurring this August—across the world. “Then the series will end,” said Frank Maloney, PhD, associate professor of Astrophysics and Planetary Science at Villanova University. “New saros series are always coming into being, and old ones fading from existence. While they are here, they usually have between 70-73 eclipses over a span of 1,200-1,300 years.” Within the series is what is known as a saros cycle. It’s a period of roughly 18 years, 11 days and eight hours, when a natural synchronization of the moon’s three lunar phases arises. That synchronization can predict both lunar and solar eclipses, which follow very similar geometrics to the ones that precede and follow in their series. But why, then, aren’t all eclipses in a series over the same viewing area? The answer lies more with the movement of the Earth than with the eclipse. Within each series, the biggest cause of change from eclipse to eclipse comes from that last eight hours. It’s only the length of a workday, but each cycle, the Earth has rotated an additional 120 degrees from the previous. While the eclipse itself remains very similar to its predecessor and successor in the series, the viewing area does not. “Every fourth eclipse, or roughly every 54 years, you are back to where you began,” said Dr. Maloney. “That fourth eclipse in a saros is referred to as an exeligmos. But even that eclipse won’t follow the exact same path for a few reasons, including slight variations in the moon’s orbital node and distance from Earth.” Same region, but different track. The August 2026 eclipse will pass over Greenland, Iceland and Northern Spain, but its exeligmos from July 10, 1972 passed over parts of Russia, Alaska and Northeast Canada. Ed Guinan, PhD, ’64 CLAS, professor of Astrophysics and Planetary Science, witnessed that one with a Villanova contingent on the Gulf of St. Lawrence in Nova Scotia. Fifty-four years from now, this eclipse will be only a partial one, as the saros series begins to wane. The upcoming August event, in fact, is the penultimate of 10 total solar eclipses in Saros 126. The 10th will be in August 2044—the next one visible in the contiguous United States, seen in totality in parts of Montana, North Dakota and South Dakota. Saros 126 began with a partial eclipse on March 10, 1179, and will end with another partial on May 3, 2459. Humans understood these patterns long before this one began. In the first millennium BCE, the Chaldeans discovered the saros cycle by “carefully keeping record of observations” of eclipses over time, explained Dr. Maloney. “Our lives are linked with the sun. To the ancients, having the sun disappear was believed to be a really bad thing, like a demon devouring it. That goes for lunar eclipses too, which caused the moon to turn red and really bother people. When they could begin to predict them, total eclipses ceased to be the powerfully bad omens that ancients believed they were. It was still a mystery as to why it happened, but at least it was predictable, which reduced people's anxieties.” Now, the anxiety stemming from eclipse viewing is saved for the fierce competition for hotels along the path of totality and threats of cloudy weather. “But don’t worry,” Dr. Maloney said. "If you miss one, you might be able to see it ‘nearby’ in another 54 years.”
The ABCs of Joy: How Adversity, Belonging and Curiosity Lead to a Fuller Life
Young people today have more technology, more convenience and more connectivity than any generation before them. Yet many are struggling with anxiety, loneliness and a growing sense of dissatisfaction in their lives. The problem may be that most people have confused happiness with something deeper, and that’s joy, said Baylor University education researcher Jon Eckert, Ed.D. Data published by the Centers for Disease Control and Prevention shows that approximately one in two 12th-grade girls is not satisfied with herself, and one in three 12th-grade boys is not satisfied with himself. "We are in a happiness crisis. Kids are pursuing what they think is happiness, but they're doing it through ways that don't actually lead to happiness. Joy is different. It's deeper. It's this sense of enduring love and gratitude for others that will emerge through struggle." - Jon Eckert, Ed.D. Through years of research, Eckert identified what he calls the ABCs of Joy – Adversity, Belonging and Curiosity – finding that adversity builds belonging, and belonging cultivates curiosity. These ABCs of Joy, he said, can help people move beyond circumstantial happiness toward a more meaningful and enduring life. “I work with school leaders from all over the world and find that when people believe joy is durable and grounded in lives lived for and with others, those same people often realize the depth of their struggle determines the peak of their joy,” Eckert said. Adversity In a culture that often treats struggle as something to avoid, Eckert argues that adversity is essential to joy. "A lot of times the most joyful people we know have had really hard lives because life can be hard and joyful," Eckert said. "Oftentimes, the depth of our struggle will determine the peak of our joy." Eckert believes that when parents, teachers and coaches remove every obstacle from a young person's path, they may unintentionally prevent them from experiencing the growth that comes from overcoming challenges. "If we rob kids of the chance to struggle, then we also rob them of the chance to experience that kind of joy," Eckert said. “And I'm very clear, it's not trauma that we want for kids; it's adversity. We want them to do hard things and grow from the experience.” Belonging If adversity is where joy begins, belonging is where it grows. Drawing on flourishing research, Eckert said people may succeed independently, but they cannot truly flourish alone. Belonging is rooted in relationships where people know they are valued and supported. “Belonging is the knowledge that we matter to others, and they matter to us, which is knowledge we gain by going through hard things together,” Eckert said. “We may enjoy the fun-loving, carefree friend, but we need the person who shows up when things are hard.” At a time when much of life has moved online, that truth has become increasingly important. Social media and digital platforms offer constant connectivity, but they often fail to provide the deeper relationships people need. The strongest relationships are often forged through shared challenges, and those relationships not only provide support during difficult times, Eckert said, but also create opportunities for joy. Curiosity Eckert believes belonging and curiosity are closely connected. When people feel secure in who they are and in their relationships, they are more willing to engage those whose experiences, beliefs and backgrounds differ from their own. Because of online algorithms and digital echo chambers, many people limit meaningful engagement with people who hold different perspectives and tend to automatically dismiss those who hold ideas or opinions they disagree with. "We've become incurious as a society,” Eckert said. “How do we allow our joy and our love for others to overcome that incuriosity and seek out others? Those are the people that we should want to engage because that's what makes life more interesting." Curiosity is also essential to learning. While grades, degrees and career goals can motivate behavior, genuine learning begins with a desire to know more. "The only real form of intrinsic motivation for learning is curiosity," Eckert said. “Everything else is just delayed gratification.” Joy is more than happiness Eckert challenges the way many people, especially young people, think about happiness. Social media has fundamentally changed the way many young people evaluate their own lives by encouraging constant comparison with curated versions of others’ experiences. "If your happiness is normative and it's compared to other people, you're always going to lose on this," he said. Ultimately, Eckert believes the path forward is not found in comfort or convenience but in embracing the ABCs of Joy. When adversity is met with belonging and curiosity, young people can discover something far more durable than happiness: a joyful life marked by resilience, meaningful relationships and a deeper understanding of themselves and others. "Joy is not freedom from struggle," he said. "Joy is the fuel that allows us to struggle well.” ABOUT JON ECKERT, ED.D. Jon Eckert, Ed.D., is professor of educational leadership and The Lynda and Robert Copple Endowed Chair for Christians in School Leadership in Baylor University’s Moody School of Education. He leads the Baylor Center for School Leadership, and serves as program director of Baylor’s M.A. in School Leadership and assistant chair of the Department of Educational Leadership. Eckert’s research interests include collective leadership, teaching effectiveness, evaluation and strategic compensation to enhance that effectiveness, and science education. He has conducted research for the U.S. Department of Education, the Carnegie Foundation, the National Network of State Teachers of the Year, the National Institute for Excellence in Teaching and the Center for Teaching Quality, which he has published in numerous peer-reviewed journals and presented around the world. Eckert is the author of several books, including “Just Teaching: Feedback, Engagement, and Well-being for Each Student,” “Leading Together: Teachers and Principals Improving Student Outcomes,” and the soon-to-be-released “The Happiness Crisis: How Adversity Can Build a Resilient and Joyful Next Generation.” More from Jon Eckert, Ed.D. WATCH/LISTEN: Baylor Connections Podcast: Leadership Catalysts: Baylor Center for School Leadership A New Chapter for Educators: Culture of Joy 2026 at Foster Pavilion Looking to know more or arrange an interview? Simply contact: Shelby Cefaratti-Bertin at Shelby_Cefaratti@baylor.edu today.
Bug Off: Why Some People Are More Attractive to Mosquitoes
Summer means mosquitoes, and with more of the pesky insects buzzing around, more people are grappling with mosquito bites and their consequences, ranging from an itchy inconvenience to serious health risks from vector-borne diseases. If it seems like mosquitoes bite you more than others, you may be right, according to Baylor University mosquito expert Jason Pitts, Ph.D. It simply may come down to how you smell. An associate professor of biology and director of Baylor’s Biology of Global Health 4+1 Program, Pitts focuses his research on mosquitoes and their complex odor-receptors, or sense of smell, to better understand how they locate food sources crucial to survival and reproduction. His impactful work is helping develop new mosquito control methods, which ultimately could lead to a decrease in vector-borne disease transmission around the world. “Many insects find their way around the world through their sense of smell, even more than vision,” Pitts said. “Mosquitoes and other insects really are adept at finding places to lay their eggs, finding flowers on which to feed or finding people on which to blood feed just by the sense of smell.” A mosquito’s strong sense of smell is critical to its survival. While all mosquitoes feed from nectar, only females bite humans and other mammals. They need the blood to support egg development in reproduction, and they rely heavily on scent to locate a host, Pitts said. “As we sweat, we emit volatile odors – or strong smells – which can be very attractive to mosquitoes,” Pitts said, adding that these odors include carboxylic acids, a key component in human sweat, which vary from person to person and can determine how appealing someone is to mosquitoes. Mosquitoes detect these chemicals in a similar way to how humans process smells. Humans have nerves in their nasal passages that, if tuned, will send signal receptors to the brain – the same process for mosquitoes, guiding them toward a potential meal, Pitts said. Because of their efficiency in locating human hosts, mosquitoes are considered to be the deadliest creatures in the world, responsible for more than 700,000 deaths each year from vector-borne diseases they transmit, including yellow fever, Zika, dengue, malaria and West Nile virus. Four D’s of mosquito prevention Whether you are a favorite meal among mosquitoes or not, Pitts recommends following the “Four D’s” of preventing mosquito breeding and bites – Dress, Drain, DEET and Dusk/Dawn. Dress Mosquitoes are attracted to darker colors, so wear light-colored, loose-fitting, long-sleeved shirts and long pants to protect yourself from potential bites. Drain The most important thing anyone can do is to reduce breeding sources for mosquitoes by draining stagnant water. If you have standing water in any kind of container in your yard, get in the habit of emptying those containers, including children’s swimming pools, which should be emptied at least once a week. Defend with DEET The most effective repellent is EPA-approved DEET (N-Diethyl-meta-toluamide). “Once a mosquito lands on the skin, they taste the skin to decide whether this is a good host or not,” Pitts said. “They can actually taste DEET, which is a long-range repellent. They can smell it and avoid it. When they taste it, they will also fly away.” Dusk / Dawn Mosquitoes are more active at dusk and at dawn, when the sun is rising or setting. Avoiding these times will help you avoid bites. If you like to take a morning run or walk at dusk, make sure to apply DEET repellent and wear light-colored clothing. Looking to know more or arrange an interview? Simply click on the icon below and connect with the expert.
How would one even begin the task of adapting The Odyssey, Homer’s nearly 3,000-year-old poem, to the big screen in 2026? We’re finding out as Academy Award-winning director Christopher Nolan brings the epic story of the hero Odysseus on his decade-long journey home after the Trojan War to modern audiences, including some who may never have read the classic story. As a professor of Great Texts at Baylor University, Sarah-Jane (SJ) Murray, Ph.D., has spent most of her life reading and analyzing ancient texts like The Odyssey and teaching a popular course in the Honors College on the “Intellectual Tradition of the Ancient World.” But she’s also a screenwriter and filmmaker who works with modern media and technologies to invite new audiences into the “Great Conversation” that spans millennia. Baylor Media & Public Relations spoke with SJ Murray about her approach to The Odyssey on the big screen, why this ancient story still resonates with readers – and now viewers – today and the creation of The Greats Story Lab that breathes new life into ancient wisdom from yesterday’s great books for today’s digital world. Q: You’ve described The Odyssey by Homer as “one of the greatest journeys ever told,” but it’s also a story that has us ponder some of life’s deepest questions. Why does The Odyssey, written nearly 3,000 years ago, continue to speak to us today? SJ Murray: This is something I spend a lot of time thinking about. At the end of the day, there are stories that are here for now, maybe entertain us in the day-to-day, or distract us and provide a little bit of relief from the difficulties of life. But then there are these enduring tales that challenge us to ask about timeless questions that never go away. I watch my students go through this in the classroom all the time, even the ones who have encountered maybe parts of The Odyssey in high school, and they're thinking, why am I reading this again? And then I watched them fall in love with it for the first time. It's not just that the story endures; it's that we can revisit it at different times in our lives, and we find new answers. Or if we're lucky and we're curious, we find new questions to ask about who we are. So there's all kinds of themes that help us in this, but at the end of the day, this is a story about someone who can't go home. Q: That desire to “go home” is a universal theme we all can recognize, whether we’ve read the book or not. It's not that easy to come home from war and from great trial. You're no longer the same person you were when you left, so when we meet the great hero for the first time – and we don't meet him at the beginning of the book – he’s weeping. There are always a few students in the class who say, this is just not how I would think of Odysseus. And the Greeks wouldn't have either. This is the great hero of the battle of Troy, and yet when we meet him, he's a broken man, war has taken its toll on him and so has separation from his community, and he yearns to go home. The person holding him hostage has offered him immortality, and unlike, let's say the Interview with a Vampire interviewer, who wants that immortality more than anything else, Odysseus just wants to be human, knowing that he will die. The Odyssey is a book about challenging us to live well, because life is short, and there will be trials, there will be challenges, and as we see Odysseus wrestle with them, including his own great pride, we have a chance to learn lessons from him and to forge our own characters alongside him. There's the adventure, for sure, but there's an incredible part of the book that forms us as people who think about restraint, and what does a virtue like humility look like? What does a virtue like courage look like? All of these are questions that help us live more fruitful lives if we seek out the answers, and there's no easy answer, so we have to keep revisiting these questions, and a book like The Odyssey invites us into that same quest, so that we, too, can find the peace and rest of finally being home again. That really inspires me. Q: As a professor of Great Texts who also teaches in film & digital media, how should moviegoers who have never read The Odyssey engage with the story? SJ Murray: This is such a great thing to think about because there's a lot of noise right now on the internet. Read the book first, read the book after. And I think it's okay to approach it from many different ways. My advice would be to remember, and I say this as a positive thing, that a movie is a work of art in its own right, and it is an interpretation in its own right. So I do not presume to tell anybody what they should do, but I can tell you what I do, and that is I will be going in, and I will be excited to see how Christopher Nolan adapts it. My hope is that the truth and the spirit and the themes of The Odyssey are alive and well, and I expect to see some things that delight and surprise me. Q: You're a medieval scholar and a filmmaker, so you have an interesting perspective on film adaptations of ancient stories. During medieval times, stories were told to audiences – and they changed with each telling. And that was okay! SJ Murray: Maybe I have had many years on my side to train me to think about stories in this way, because in the Middle Ages, that I studied in graduate school, it was sort of insulting if somebody copied your story verbatim. Think about this. This is all pre-printing press, so people would expand dialogue, or add a little scene, or take something out that they didn't like, or add a love interest. This happened all the time in medieval storytelling, and the idea was that the story had to be alive, it had to breathe, it had to grow. So if we go in expecting the story I see play in my head, then we're more at risk of maybe being disappointed. I did this when I went in to watch “The Lord of the Rings.” I was like, I want to see what Peter Jackson did with one of my favorite books of all time. And I was delighted, and I wanted to read the book again. I think that if you go see The Odyssey and want to be surprised and delighted and to feel that Homer is alive, then that is a good thing. Q: Do audiences have to choose between the movie and the book? SJ Murray: I would not presume to say I watched the movie, therefore I have read the book because they are two different things. Nolan has to be allowed the freedom to create his work of art, and Homer's poem has to live on in its own right that deserves our attention today as well. The two things can be true. I can love the movie, and I can love the old book. I want to live in a world where we can enjoy both because the reality today is that the greatest gateway into reading a book for a young person is going to be a great movie or something that they come across on Instagram. I want them to find their way back into the book, and we have to find ways to issue that invitation today in new ways. Q: You recently published an essay in the Sunday New York Times about our modern crisis of attention and how advice from the Roman philosopher Seneca from 2,000 years ago can help us reclaim wisdom and avoid distraction today. Can ancient stories brought to life on the big screen ignite a reading journey in the classics like The Odyssey? I would just say that if you love a story and you love a book, a far more powerful way for people to read with joy and gusto again is to hear about it from another human being. If you and I were not here talking today about this, and I said to you, one of my favorite books of all time that really changed my life is Homer's Odyssey. I got you a copy, and no pressure, give it to somebody else if you don't want to read it, but I think you'd really enjoy it. It really speaks to something you're going through right now. The chance of your friend reading that book just went up astronomically. And that's what it means to steward bookish culture well in our digital age. We have to remember that books are things shared person to person, and stories are things shared person to person. So if you have a grandkid right now, and you love The Odyssey, they will love to receive it from you as a gift, and they will probably love it all the more because their grandfather or grandmother gave it to them. Don't underestimate the gift of your love of a book, sharing it verbally with somebody else. It might be the little spark they need to turn that page and start reading. Q: Director Christopher Nolan spoke recently to The New York Times about challenging himself with an ancient story like The Odyssey that resonates with our culture today. How do you foresee viewing the film yourself as both a filmmaker and Great Texts scholar? SJ Murray: I learned this from a late mentor, Robert Fagles, who was a great translator of Homer. In my first year or second year at Baylor, he came to Baylor to give a lecture on campus, and I asked him what he thought about the film, “Troy.” I expected him to be like, oh, they really should have worked harder on making that more exact or something. And I just remember this huge smile came over his face, and he was just sort of looking out in front of him, thinking, and he said, “Well, Sarah Jane, it's just… it's wonderful. The stories are alive. People are talking about them, they're watching them, people are reading them again. Homer would be so pleased.” And I remember in that moment, I told myself, when a movie comes out about a book I care about, I want to be like Bob Fagles. I want to be excited for the movie. How lucky are we that in our lifetime, an amazing director like Christopher Nolan has chosen to bring Homer back to life for us. That's amazing. It's wondrous. I'm so excited. The best advice I can give anyone, and this is what I do myself every time I start a movie and every time I start a book. I'm going to turn off my inner critic when I walk in. When the lights go down, that is a sign for me to be with the story and the journey and to turn off the little voice in my head that wants to analyze anything. When I go into the movie theater, I want to watch and enjoy and be part of that community experience of watching “The Odyssey” together. Looking to know more or arrange an interview? Simply contact: Shelby Cefaratti-Bertin at Shelby_Cefaratti@baylor.edu today.
A plan to sell minority stakes in the commercial business surrounding FIFA competitions has triggered a major confrontation with European soccer. UEFA and its 55 national associations have reportedly agreed to boycott FIFA competitions while the proposal remains active. The dispute touches on sports governance, private investment, legal authority, media rights and the growing commercialization of the World Cup. Writing a story around this unprecedented event? Connect with leading experts below for insight and commentary. Matthew Robinson — University of Delaware Robinson specializes in international sports governance, sport diplomacy and global sport development. His work is particularly relevant to the power struggle between FIFA, UEFA and national associations—and what a coordinated European boycott could mean for FIFA’s authority. Thomas Smith — Emory University’s Goizueta Business School Smith studies sports economics, finance and the business of entertainment. He can provide insight into the financial thinking behind FIFA’s proposal, including the trade-off between receiving capital now and sharing future World Cup revenues. Tim Derdenger — Carnegie Mellon University’s Tepper School of Business Derdenger studies sports markets, sponsorship and the commercialization of major sporting events. His research is relevant to the potential effects on broadcast value, sponsors, fan interest and the overall World Cup brand. Klaas Baks — Emory University’s Goizueta Business School Baks specializes in private equity, alternative investments, mergers and acquisitions and business valuation. His expertise can help explain how investors might value FIFA’s commercial assets and what they would typically expect from a minority investment. Andrew Brandt — Villanova University Brandt’s expertise spans sports law and sports business. That experience is relevant to questions about FIFA’s authority over its members, the legal consequences of a boycott and the potential impact on players, sponsors, broadcasters and host countries. Tim DeSchriver — University of Delaware DeSchriver researches sport finance, economics and marketing. His work can help frame the broader financial question: Is FIFA unlocking the value of its competitions, or giving up a share of long-term revenue in exchange for immediate funding? Reach out to these experts now for your next story. All inquiries are monitored to ensure time-sensitive request and deadlines are met. For more FIFA and WorldCup information visit our World Cup Expert Hubs.
The Truth About “Negative-Calorie” Cucumbers
As summer temperatures climb, so does interest in cucumbers — crunchy, hydrating, and long rumored to be a “negative-calorie food” that burns more energy to digest than it provides. It's a claim that circulates every year in diet culture, but it isn't true. The New York Times recently set out to separate the nutrition science from the myth, and turned to registered dietitians for a clear-eyed answer. Dr. Gina Jarman Hill is a Professor and Chair of the Department of Nutritional Sciences at Texas Christian University. A Registered and Licensed Dietitian, she has worked as a clinical and consultant dietitian and is a member of the Hunger and Environmental Nutrition (HEN) and Dietitians in Integrative and Functional Medicine dietetic practice groups. Her teaching and research center on food and sustainability, nutrition ecology, community nutrition, and public health — with particular expertise in food security, urban agriculture, and hunger. She earned her BS, MS, and PhD in Food and Nutrition from Texas Tech University and was named the Texas Academy of Nutrition and Dietetics' Outstanding Nutrition Educator in 2017. Dr. Hill was recently featured in The New York Times article “How Healthy Are Cucumbers?” by Amanda Schupak (July 13, 2026), which examines what cucumbers do — and don't — offer nutritionally. Read the full article here. A 10.5-ounce unpeeled garden cucumber, for instance, contains just over one cup of water and 45 calories. Gina Jarman Hill, a professor of nutritional sciences at Texas Christian University, said there is a common misconception that cucumbers are “negative-calorie foods” — meaning they contain fewer calories than it takes to burn digesting them. “There’s no such thing as a ‘negative-calorie food,’” she said, but because the number of calories in cucumbers is so low, they’re about as close as you will get to one. As long as you’re mindful of what you pair them with, Dr. Hill said, there is no reason to curb your cucumber consumption. Dr. Hill is available to speak with media on nutrition myths, food security, sustainable and urban agriculture, community nutrition education, and healthy eating on a budget — timely topics as outlets continue to cover diet trends, food waste, and seasonal eating. To arrange an interview or request a comment, click through to Dr. Hill's profile below.
There's No Such Thing as the Average Canadian Retiree. There Are Three.
You've seen the photo. Silver-haired couple on a sailboat, or walking on a beach at golden hour, laughing about nothing in particular. It's on the cover of every retirement brochure ever printed. It's what "the average Canadian retiree" looks like. In thirty years of banking, I never met that couple. I met a widow in her seventies deciding between a dental crown and her property taxes. I met a couple in their sixties quietly draining their RRSPs to keep a grandchild in university. And yes, I met people with sailboats, though they weren't asking me about retirement income. They were asking about estate freezes and charitable foundations. Three conversations. Three completely different Canadians. And after three decades of having them, most recently as a vice president at one of Canada's Schedule I banks, I've come to believe our biggest retirement problem isn't that Canadians plan badly. It's that we keep designing for an "average retiree" who doesn't exist. In The Canadian Retirement Evolution, a report newly published by EY that I was proud to co-author, I make the case for seeing Canadian retirees as three distinct groups. 1) Retirees in Need (roughly 30%) Nearly one-third of Canadian retirees are living close to the edge. Limited pension income, modest personal savings, and rising living costs define their retirement. Adding to the pressure, retirement debt is becoming the new reality. According to Royal LePage, 29% of Canadians who are recently retired or approaching retirement expect to continue making mortgage payments on their primary residence. For many Canadians, debt has become a permanent companion, extending well into what should be their most financially secure years. Perhaps the most troubling reality is this. Most people in this group have never received professional financial advice. The Canadians who need planning the most are often the Canadians the financial planning industry reaches the least. That should concern every financial institution, advisor and policymaker in this country. When retirement arrives with too little income, too much debt and no plan, the result is not just financial stress. It is anxiety, reduced independence and difficult choices that no Canadian should have to make after a lifetime of work. 2) Retirees Seeking Stability (roughly 60%) This is the majority of Canadian retirees, and the group that the sailboat photo completely misses. They are not financially struggling, but neither are they financially free. They have enough to retire, but not enough to stop worrying. What they want is simple. They want to maintain the lifestyle they spent forty years building. They want confidence that their money will last as long as they do. They want a retirement plan that offers stability and predictability. And they want the freedom to help the people they love, whether that's contributing to a grandchild's education, helping with a first home, or lending a hand when life throws one of their children an unexpected curveball. That is where retirement becomes complicated. Retirement has changed dramatically over the past three decades, but much of the advice Canadians receive has not. The result is a growing gap between today's retirement realities and yesterday's retirement plans. Every dollar shared with family is one less dollar available to fund their own future. Every unexpected expense raises the same unsettling question: Will I still have enough? This group lives in the space between abundance and anxiety. They have assets, but not always confidence. They have choices, but every choice comes with trade-offs. They don't need a miracle. They need a plan that provides stability, predictability, and the confidence to enjoy the retirement they worked so hard to earn without constantly wondering if today's decisions will become tomorrow's regrets. 3) Affluent Retirees (roughly 10%) The remaining ten percent focuses on sophisticated wealth management: transferring wealth to the next generation, structuring estates to minimize taxes, and giving philanthropically. These are good problems to have, served by an entire industry built to solve them. And that's the uncomfortable truth hiding in the framework: most of our retirement advice, most of our products, and most of our planning tools were designed with this group in mind. Retirement Fear Has a Name In 1990, more than 70% of Canadian workplace pension plans were defined benefit plans, providing predictable, guaranteed lifetime income. By 2022, that figure had fallen to just 37%. In the span of a single working generation, we quietly shifted the risk of outliving retirement savings from institutions to individuals. The anxiety created by that shift is something I encountered in thousands of conversations with Canadians throughout my lending career, long before I had a name for it. I call it FORO, the Fear of Running Out. In the EY report, we describe it this way: "Fear of running out (FORO) reflects a structural gap in retirement system design, not a failure of individual planning. Most retirement frameworks were built for accumulation rather than sustainable income in later life." That is the heart of the challenge. Canada's retirement system does an excellent job of helping people save, but far less to help them transform those savings into sustainable, predictable income throughout retirement. It is little wonder that so many Canadians approach retirement with uncertainty rather than confidence. The Elephant in the Living Room One final reality deserves far more attention. Canada is in the midst of one of the largest intergenerational wealth transfers in its history. Much of that wealth is tied up in residential real estate, owned by Canadians who consistently say they want to remain in their homes for as long as possible. That creates an important contradiction. The largest asset held by most Canadian households is also one of the least integrated into mainstream retirement planning. We encourage Canadians to build home equity for decades, then often ignore it when they need income the most. If retirement planning is meant to consider every available resource, why do we continue to overlook the largest one? Resolving that question has become the focus of my research and my forthcoming book, Your Retirement Reset: How to Convert Home Equity into Financial Security (ECW Press, September 2026). But that discussion extends beyond the scope of this article. For now, it is enough to recognize the disconnect. Retirement has changed. Canadians' balance sheets have changed. It may be time for retirement planning to change as well. A Retirement System Designed for Everyone The EY report reminds us that retirement is more than a financial milestone. It is one of life's most significant transitions, and every Canadian deserves to approach it with confidence, dignity and choice. That outcome will not be achieved with a retirement system designed around a single, hypothetical retiree. Canadians retire with different financial realities, different goals and different challenges. A retirement system that recognizes only one path will continue to leave too many people behind. Designing for the three retirement realities outlined in this paper is not simply good policy. It is good business. Financial institutions that tailor products, advice and education to meet the needs of all three groups will be better positioned to serve Canada's fastest-growing demographic. Policymakers who encourage that evolution will help create a retirement system that reflects the way Canadians actually live today, not the way they lived thirty years ago. The question is no longer whether retirement has changed. It has. The question is whether our retirement system will evolve quickly enough to meet Canadians where they are. Don't Retire... Re-Wire! Sue
How Wildfires Impact Vulnerable Communities, Pets and Public Health Systems
Wildfires burning across the world, now in parts of France and Spain, are forcing hundreds of thousands of people to evacuate. University of Delaware experts are available to discuss wildfire evacuations, vulnerable communities, animal rescue and the health effects of wildfire smoke exposure. Those experts, from UD’s Disaster Research Center, include: Sarah DeYoung Professor of sociology and criminal justice: • How people are forced to make split-second decisions involving horses, livestock and companion animals during fast-moving wildfires. • Why some owners must turn animals loose when evacuation time is limited. • Lessons from past disasters and animal rescue research. Jennifer Trivedi Assistant professor of anthropology: • The unique challenges faced by vulnerable populations during wildfires. • Complications surrounding evacuation decision-making and evacuation needs. • Long-term recovery following catastrophic disasters. Jennifer Horney Chair of UD’s Department of Epidemiology: • Health risks associated with wildfire smoke exposure, including respiratory infections. • How wildfire smoke and airborne pollutants affect population health. • The strain major wildfires can place on public health and health care systems. To arrange an interview with these experts, visit their profile page and click on the "contact" button. Interested journalists can also send an email to MediaRelations@udel.edu.
Deaths, resignations in Congress test narrow majority
United Press International (UPI wire service) interviewed Meena Bose, Hofstra University professor of political science, executive dean of the Public Policy and Public Service program, the Kalikow Chair in Presidential Studies and director of the Kalikow Center for the Study of the American Presidency, about the death of Senator Lindsey Graham and President Donald Trump‘s choice of the late Senator’s sister Darline Graham Nordone, to succeed him. Until the midterm elections, Nordone will hold that position in an honorary capacity. There are four active vacancies on Capitol Hill with Nordone filling Graham’s seat. “The issue here is really that there have been vacancies and resignations and that the margin is so narrow for party control, particularly in the House of Representatives,” Dr. Bose told UPI. “The number of resignations or decisions not to run for re-election is indicative of questions about why people want to serve in office or indicative of a question of are people hesitant to serve in public office, and if so, why?”
Fewer Essays, Fiercer Odds: The New College Application Math
A growing number of top colleges — including Tulane, Washington University in St. Louis, and UNC Chapel Hill — are trimming or eliminating supplemental essays, citing student stress and the rise of AI-assisted writing that makes it harder to tell who actually wrote an application. But the shift comes with a catch: fewer barriers to applying tend to mean more applications and lower admit rates. The Wall Street Journal explored the trend, and pointed to Texas Christian University as a case study already living the tradeoff. Heath Einstein is Vice Provost for Enrollment at Texas Christian University, now in his 13th year at TCU after previously serving as dean of admission and director of freshman admission. With more than two decades in admission and college counseling, he is a frequent speaker at national conferences and a voting delegate to the National Association for College Admission Counseling's Assembly, the governing body that sets national admissions-practice standards. He has chaired Texas ACAC's Government Relations and Advancement committees, received the association's Founders' Award, and served as Board Chair of ACCEPT: Admissions Community Cultivating Equity and Peace Today. His expertise spans cultural humility, shared governance, crisis management, staff development, and data analytics. Einstein was recently featured in The Wall Street Journal article “Colleges Juice Application Numbers by Letting Students Write Fewer Essays” by Roshan Fernandez (July 10, 2026), which examines how cutting supplemental essays is reshaping admissions strategy nationally. “TCU said responses to the questions it cut—about its values and inclusivity—lacked originality. ‘You still see a narrowing to the mean,’ said Heath Einstein, vice provost of enrollment management. ‘Students are still going to respond in ways that they think we want to hear.’ Einstein said the school's aim in expanding application numbers is simply to increase enrollment, not lower its admit rate.” Einstein is available to speak with media on college admissions strategy, the impact of AI on application review, supplemental essays and holistic review, enrollment management, and higher-education leadership through crisis and change — all live issues as the 2026-27 application cycle takes shape. To arrange an interview or request a comment, click through to Heath Einstein's profile below.
