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

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

Pope Leo XIV Paid Public Homage to St. Augustine in Algeria, but Has Invoked His Teachings Since Election, Says Augustine Scholar Paul Camacho

During his historic trip to Africa in April 2026, Pope Leo XIV toured the archaeological ruins of Annaba, Algeria, capping what he referred to as a “special” journey to the country. Annaba, where the ancient city of Hippo Regius once stood, is not far from where St. Augustine—patron of the Augustinian order to which the Pope belongs—was ordained, made bishop and crafted his most influential theological works. Walking in his footsteps, Pope Leo—who referred to himself as a “Son of Augustine” upon his election to the papacy—toured the ruins with other members of the Order and his traveling party. It was a personal and symbolic moment, but for those paying close attention to his early pontificate, it represented only the most recent of many tributes he has paid to Augustine and his teachings. “In reading through Pope Leo’s addresses and his homilies, his messages and his video recordings, there is barely one that goes by without him referencing Augustine in some way,” said Paul A. Camacho, PhD, associate director of The Augustinian Institute at Villanova University, and scholar of Augustine’s teachings. When the Pontiff accepted the St. Augustine Medal from the Augustinian Province of St. Thomas of Villanova in August 2025, he made it clear why. “As Augustinians, we strive every day to live up to the spiritual example of our spiritual father, St. Augustine,” he said to the Province. “To be recognized as an Augustinian, it’s an honor held dearly. So much of who I am, I owe to the spirit and teachings of St. Augustine and I am grateful to all of you for all the many ways your lives exhibit a deep commitment to the values of Veritas, Unitas and Caritas.” Veritas Examples abound related to all three values and how Pope Leo has invoked Augustine in speaking about them. Dr. Camacho cites a handful he found particularly noteworthy. For example, Veritas first appeared in an especially prominent way during an early address for the June Solemnity of the Holy Trinity and Jubilee of Sport. Then, Pope Leo said, “This combination of Trinity and Sport is somewhat unusual, yet the juxtaposition is not inappropriate. Every good worthwhile human activity is in some way a reflection of God’s infinite beauty, and sport is certainly one of these.” “For St. Augustine, the Trinity and wisdom are intimately connected,” Dr. Camacho said, also mentioning that Augustine authored an entire book on the subject titled “On the Trinity.” “Divine wisdom is revealed in the Most Holy Trinity and wisdom always leads us to Veritas—the truth," he said. “What Pope Leo goes on to do is say that the life of God, the Trinity, is a life of play…It’s a dance, and dance is a sport, and our own way of participating in that kind of activity is a participation in life of God.” When Pope Leo later spoke to the International Foundation of Catholic Universities—an occasion for which the motto was “Choreographers of Knowledge”—he referenced that dance again. “Pope Leo invites us to think of our relationship to Veritas not as something to master,” Dr. Camacho said. “But rather as a light that draws us out of ourselves towards it, in a dance of relationship with it and one another.” Unitas During a September Mass for the General Chapter of the Order of St. Augustine, Pope Leo prayed that those in attendance be given “the gift to listen, the gift to be humble and the gift to promote unity within the Augustinian Order, and throughout the Order, throughout the Church and the world.” Earlier in the summer, he touched on unity during the Jubilee of Families, Children, Grandparents and the Elderly, commenting on the Gospel of John, in which “Christ prays that we may all be one.” “This being one is the greatest good we can desire, for this universal union brings about among his creatures the eternal communion of love that is God himself: the Father who gives life, the Son who received it and the Spirit who shares it… the Lord does not want us in this unity to be a nameless and faceless crowd,” Pope Leo said. “What Pope Leo expresses here is that unity is not conformity, but rather community—the kind of community in which each one of us becomes more of who it is that we are the more we love and work for what is good in common,” explained Dr. Camacho. “This is a deeply Augustinian insight.” In one general audience with members of various religious groups, Pope Leo relayed “Unity has always been a constant concern of mine, as witnessed by the motto I chose for my episcopal ministry.” He was referencing, Dr. Camacho says, the Latin phrase In illo uno unum, displayed on his coat of arms. “That phrase—‘in the one [Christ] we are one’—comes from St. Augustine’s commentary on the Psalms. Pope Leo comes back again to this idea that when we love and follow the truth that is Christ, we simultaneously become more uniquely individual, and our unity becomes genuine community, and not mass conformity.” Caritas In his Opening Homily for the Beginning of the Pontificate, Pope Leo followed his salutations with these words: “I greet you all with a heart full of gratitude at the beginning of the ministry that has been entrusted to me. St. Augustine wrote: ‘Lord, you have made us for yourself, and our heart is restless until it rests in you.” According to Dr. Camacho, Augustine taught that the solution to the restless heart is Caritas, or rightly ordered love that finds its rest in God. Augustine’s thinking about love is developed in a social dimension when he distinguishes between two different kinds of political communities, which he calls the “Earthly City” (in which pride and self-love dominate), and the “City of God” (in which love of God and neighbor form the community). Augustine’s enduring and influential work “De Civitas Dei,” or “City of God,” articulates this distinction between false and true loves. At the 16th Annual Meeting of the International Catholic Legislators Network, Pope Leo suggested that we look to Augustine, citing his own witness of social upheavals in his time, and that we consider Augustine’s reminder that we must attend to these “two orientations of the human heart.” “Ordo amoris—order of love,” explained Dr. Camacho. “This is Augustine’s notion that following Christ is not a matter of private devotion, but rather demands a dilation of our hearts: our loves must move out to embrace the poor, the marginalized, the downtrodden, the forgotten. In Catholic Social Thought, this is the principle of solidarity: while the things that we love begin with what is most intimate to us, we are called to expand our love outward. One of the things Pope Leo is trying to say is that Augustine’s thought remains a living inspiration for how we might organize our societies.” Speaking to the International Interparliamentary Union in late June, Pope Leo intimated that St. Augustine speaks of “your responsibility to promote and protect, independent of any special interest, the good of the community, the common good, particularly by defending the vulnerable and the marginalized.” “Augustine’s idea was that what makes a community is what its members love in common,” Dr. Camacho said. “In other words, Caritas—love—is fundamental to how we think about how we relate to one another. Not just on a one-to-one, personal level or in terms of a private relationship to my own good, but rather how we relate to our communities, and what we build together for the common good.” “Bringing Augustine Back to the World” One of the great gifts of the Augustinian Order, says Dr. Camacho, is that “because of its charism of community, it draws individuals to become religious from all walks of life, and not just those who have extensively read or studied the work of Augustine.” It is especially noteworthy, he says, just how entrenched Pope Leo’s words and actions are in his long-time study of Augustine. “It is quite clear that Pope Leo loves Augustine, not just as an exemplar, as a patron saint of the Order, or as a doctor of the Church—though he is all of these. Leo loves Augustine as a companion: a man whose life reminds us that discipleship is about fidelity and not about perfection; a thinker who is rich in philosophical and theological insight; and a priest and bishop who cared deeply for his community. “In his pontificate, it is already clear that Pope Leo, this great “Son of Augustine,” is bringing Augustine back to the Church and to the world as a vital source of wisdom and inspiration.”

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

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

Supreme Court to Hear Arguments on Ending Birthright Citizenship

Professor of Constitutional Law James Sample and Director of the Law School’s Deportation Defense Clinic Alexander Holtzman at the Maurice A. Deane School of Law were interviewed by Newsday for a report on President Donald Trump’s plan to end birthright citizenship for hundreds of thousands of children of parents here illegally or temporarily. The Supreme Court will hear arguments from Trump administration lawyers that the Citizenship Clause of the U.S. Constitution was never intended to grant citizenship universally to everyone born in the country. Professor Sample said the administration’s case lacked merit. The clearest precedent, he said, was an 1898 Supreme Court case, United States v. Wong Kim Ark. He said, “That established clearly that, in the Supreme Court’s view, the language of the 14th Amendment meant that a child born in the United States, including to immigrants, whether documented or not, was a citizen.” He also added that a ruling that overturned this precedent would mark a fundamental change to the American identity. “The notion of birthright citizenship is one of the things that distinguishes us from other countries where citizenship is often a function of lineage,” he said. Professor Holtzman told Newsday that the case was creating anxiety for people who could be negatively affected by a court ruling, which could come as early as this summer. “I’ve had clients who’ve asked me, ‘Are my children safe, or who are pregnant and wonder if their children will be safe.”

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

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

ExpertSpotlight: No Joke: The Curious Origins and Enduring Traditions of April Fools’ Day

Every April 1, the world collectively loosens up. Friends prank friends, brands try to outdo each other with outrageous announcements, and even the most serious newsrooms occasionally get in on the joke. But behind the laughter and “gotcha” moments, the origins of April Fools’ Day are anything but straightforward - and that’s part of what makes it so fascinating. One of the most widely accepted origin stories dates back to 1582 and the Gregorian calendar reform. When France shifted New Year’s celebrations from late March (around April 1) to January 1, not everyone got the memo, or chose to follow it. Those who continued celebrating in spring became the subject of ridicule, often tricked with fake gifts or sent on pointless errands. They were dubbed “April fools,” a label that stuck. Other theories reach even further back, connecting the day to ancient seasonal festivals like Hilaria, where people donned disguises, mocked authority, and celebrated the unpredictable shift into spring. Across cultures, the common thread is clear: a moment in the calendar where normal rules are bent, and mischief is not just accepted - it’s expected. What started as localized traditions has evolved into a global cultural phenomenon. Media outlets, corporations, and public figures now participate in April Fools’ Day with increasingly elaborate hoaxes. Perhaps the most famous example came from the BBC in 1957, when it aired a segment about Swiss farmers harvesting spaghetti from trees, complete with convincing visuals. Viewers were fooled, and a legendary prank was born. Today, in an era of viral content and misinformation, April Fools’ Day walks a fine line between humor and credibility, forcing audiences to question what they see and hear. Beyond the pranks, the day reveals something deeper about human nature. It’s a rare, socially sanctioned opportunity to challenge authority, play with truth, and share in collective amusement. For journalists, it also offers a unique angle: how stories spread, why people believe them, and what it says about trust in media. In a world often dominated by serious headlines, April Fools’ Day reminds us that sometimes, the most powerful connection comes not from facts alone, but from the shared experience of being delightfully fooled. Our experts can help! Connect with more experts here: www.expertfile.com

Study: Many pregnant women uncertain of marijuana risks even as use increases

Many pregnant women are unsure if it’s safe to use marijuana or products containing cannabidiol, an active compound in marijuana, even as they increasingly turn to them to combat morning sickness, anxiety or insomnia, a recent University of Florida Health study shows. The American College of Obstetricians and Gynecologists advises against the use of marijuana and cannabidiol, or CBD, during pregnancy. Marijuana use has been associated in some studies with adverse fetal neurodevelopmental outcomes. Evidence of cannabidiol safety is sparse in human studies, but researchers remain concerned that it might nonetheless pose a danger. CBD is not intoxicating. The UF Health researchers said their study shows a need for the medical community to better educate women about the potential hazards to the fetus from using marijuana, also called cannabis. One worry is that some people believe the spreading legalization of marijuana or CBD around the nation equates to the government giving its stamp of approval that the products are safe, researchers said. Medical marijuana is legal in Florida, although its recreational use is not. “If a medication is legal, we assume that maybe it’s safe, although other things like tobacco and alcohol are also legal and we know that those can be harmful to pregnancies,” said Kay Roussos-Ross, M.D., the study’s senior author and a professor in the UF College of Medicine’s Department of Obstetrics and Gynecology. “We see a good deal of data out there that shows that there is increased risk of psychiatric and behavioral issues related to marijuana use in pregnancy, but we need more,” she added. “We need more so that we can be correct in our assessments and our educational efforts to women of reproductive age who are using marijuana.” It’s difficult to quantify the rise of marijuana and CBD use during pregnancy, with most estimates showing an increase predating COVID-19. A 2021 federal survey reported 7.2% of pregnant women used marijuana. The UF Health study noted that emerging evidence from obstetrics care shows more pregnant women are trying the products, perhaps because of increased legalization. The study, published in Medical Cannabis and Cannabinoids, surveyed 261 women and used focus groups to explore participants’ perceptions of the products. The women were either pregnant, breastfeeding or caring for a child 5 years old or younger, and reported use of marijuana or CBD products, such as vapes, smoking, tincture oils or ointments. “There seems to be a disconnect,” said Amie Goodin, Ph.D., an assistant professor in the UF College of Pharmacy’s Department of Pharmaceutical Outcomes and Policy and the study’s lead author. “About one in six pregnant women are telling us, ‘Yes, I have used marijuana or a CBD product while I’m pregnant.’ But half are saying, ‘I don’t know what the risks are.’” About 40% of the pregnant women surveyed said they were unsure how risky it was to use marijuana once or twice a week during pregnancy, compared with 34.5% of women who were not pregnant when surveyed for the study but who had children. Asked the same question about CBD, more than 52% of pregnant women were unsure of the risk, compared with 41.8% for mothers who weren’t pregnant when surveyed. About 36% of pregnant women reported using marijuana, compared with 65% of mothers not currently pregnant, perhaps reflecting at least some increased caution among those in the former group. CBD use was 19.9% for pregnant women and 38.2% for women who were not pregnant. “Some women did mention that the legalization of marijuana has made marijuana more socially acceptable,” said study co-author Deepthi Varma, Ph.D., an assistant professor in the College of Public Health and Health Professions’ Department of Epidemiology. The researchers said they were especially concerned that women were even less sure of the safety of CBD use because it is widely available and often seen as harmless. “You might notice that it’s even something that you can buy at a gas station or a grocery store,” Goodin said. “CBD in a purified form has actually got an FDA approval to treat certain types of pediatric epilepsy on its own … but pharmaceutical-grade CBD is not quite the same thing as you would expect to get if you were purchasing CBD oil at a smoke shop or a gas station.”

MEDIA RELEASE: Survey finds Ontarians are concerned about road conditions as CAA launches 2026 Worst Roads campaign

User-submitted photo of Barton Street in Hamilton, which placed second on Ontario’s 2025 top ten list. Concern about road conditions continues to be top of mind for Ontarians, with eight in 10 CAA members worried about the state of the province’s roads, according to new survey data released as CAA South Central Ontario (CAA SCO) launches the 2026 CAA Worst Roads campaign. The survey also found that nearly 70 per cent of CAA members don’t believe enough is being done to maintain Ontario’s roads, up five per cent from last year, reinforcing what many road users experience daily. Cracks in pavement remain the most common issue (88 per cent) identified by respondents, followed closely by potholes (87 per cent), uneven or bumpy road surfaces (81 per cent) and congestion (80 per cent). “Ontarians are telling us loud and clear that road conditions are not keeping pace with expectations,” says Teresa Di Felice, Assistant Vice President, Government and Community Relations for CAA South Central Ontario. “The Worst Roads campaign gives Ontarians a direct way to raise their concerns and helps decision-makers understand what roads need attention according to their constituents.” Despite widespread frustration, the survey suggests most concerns are not reaching decision-makers. It found that nearly 80 per cent of Ontarians commonly complain about road conditions to a spouse, co-worker or mechanic rather than to the governments responsible for road maintenance. CAA calls on Ontarians to nominate roads in urgent need of repair “We know this campaign works,” says Di Felice. “When Ontarians speak up and nominate roads they want to see repaired, we consistently see action.” Many nominated roads are critical trade and supply‑chain corridors, linking the CAA Worst Roads campaign to community growth and economic strength. “Growing population pressures in Ontario, particularly in the GTA, are driving the need for improved infrastructure to mitigate congestion issues, and the rapid wear and tear of our roads,” adds Di Felice. Poor road conditions contribute to vehicle damage, congestion, and safety risks for all road users, including pedestrians and cyclists. With the cost of living already high, the added expense of repairs caused by potholes and deteriorating roads is placing further strain on household budgets. The survey found that 80 per cent of Ontarians are paying out of pocket for those repairs, while ten per cent are forgoing repairs altogether. For more than two decades, the CAA Worst Roads campaign has influenced infrastructure decisions across the province. Roads that appear on the annual Worst Roads list often see repairs prioritized or moved up, as governments respond to public feedback. In the last five campaigns, over 10 roads have received attention due to their appearance on the CAA Worst Roads list. Most recently, County Road 49 in Prince Edward County received a large provincial investment supporting the repair of over 18 kilometres of the road. County Road 49 has been a popular road on the CAA Worst Roads Campaign’s top 10 list for some time. Ontarians can nominate any road for issues, including potholes, congestion, faded road markings, poor signage, traffic light timing, and pedestrian or cycling infrastructure. CAA SCO is encouraging all road users to participate. Nominations for the 2026 CAA Worst Roads campaign are open now and can be submitted online at www.caaworstroads.com until April 17. Once nominations close, CAA will compile and release Ontario’s Top 10 Worst Roads later this year, as well as regional top five lists. CAA conducted an online survey with 2,718 CAA SCO Members between January 6 to 14, 2026. Based on the sample size and the confidence level (95 per cent), the margin of error for this study was +/- 2 per cent.

It's Sports Science Week on The Academic Minute -- an entire week dedicated to UConn experts

The Academic Minute is a two-and-a-half minute daily brief featuring researchers from colleges and universities around the world, keeping listeners abreast of what’s new and exciting in the academy. A different professor is featured each day, offering updates on groundbreaking research and how it helps us better understand the world around us. Hosted by Dr. Lynn Pasquerella, president of the American Association of Colleges and Universities, The Academic Minute airs on 70 stations around the United States and Canada, and twice daily on it's home station WAMC - Northeast Public Radio. This week, the entire program was focused on the science of sport with a new featured UConn expert each day. Monday Julie P. Burland, director of research at the Institute for Sports Medicine, examines how to predict in-season injuries for athletes. Tuesday Jennifer B. Fields, Assistant Professor in the Department of Nutritional Sciences, investigates why so many young athletes are flunking nutrition. Wednesday Dimitris Xygalatas, associate professor of anthropology, looks at sports fans for clues on how social rituals bind us together. Thursday Rebecca L. Stearns, associate professor-in-residence in the Department of Kinesiology, details potential strategies to prevent sudden deaths in sports. Friday Robert Huggins, assistant professor in the Department of Kinesiology, examines why there aren’t more athletic trainers on-hand at sporting events.

With lasers, smoke and a wind tunnel, UF helps federal agency investigate deadly Hurricane Maria

As Floridians brace for hurricanes amid the wild weather of 2025, some University of Florida researchers have their eyes on 2017’s Hurricane Maria, the deadly Category 4 storm that pummeled Puerto Rico. Engineering professor and natural hazards researcher Brian Phillips, Ph.D., is leading UF’s efforts in a Hurricane Maria investigation conducted by the National Institute of Standards and Technology, known as NIST. The goal is increased safety and resilience amid deadly conditions. Maria killed nearly 3,000 people and caused more than $90 billion in damage. Most of the island’s wind sensors and weather stations failed as the storm raged, leaving responders and investigators with few reliable weather measurements. What went wrong? Phillips and UF storm researchers are helping answer that question — and provide safety and structural recommendations — as part of NIST’s Hurricane Maria investigation. The full report will be released in 2026, but NIST recently published preliminary findings; some of the hazard and structural load data was derived from wind tunnel tests at UF's NHERI Experimental Facility in the Powell Family Structure and Materials Laboratory on UF’s East Campus in Gainesville. “Our wind tunnel has a strong reputation in the wind-engineering community for its unique flow control and measurement capabilities We worked with NIST to develop a test campaign to study the wind conditions Puerto Rico’s mountainous terrain and the resulting loads of critical infrastructure,” said Phillips, a civil and coastal engineering professor with UF’s Engineering School of Sustainable Infrastructure & Environment. “UF,” he added, “has one of the premier research wind tunnels in the country and it enables us to pursue impactful research like this.” As part of the NIST investigation, Phillips and his team created 1-to-3100 scale topographic models of regions in Puerto Rico — about 12 kilometers shrunk down to four meters, Phillips said. They set up those models in the wind tunnel and replicated wind flow over the topography. “These initial tests were designed to understand the influence of the complex topography had on the wind,” Phillips said. Flow was measured using velocity probes and particle image velocimetry (PIV). These topographic model tests were followed by 1-to-100 scale tests on models of two hospitals in Puerto Rico. In addition to surface pressure measurements, the team conducted qualitative flow visualization tests using smoke, lasers, and high-speed cameras. “The capabilities of the UF wind tunnel enabled us to investigate the hurricane winds at two different scales,” said NIST’s lead Hurricane Maria investigator, Joseph Main, “so we could measure how the winds were accelerated by Puerto Rico’s mountainous topography and then how those winds translated into loads on critical buildings.” Maria’s flooding blocked roads to hospitals and shelters. The hospitals themselves were heavily damaged by the storm, NIST reported. Reduced access to healthcare was a major factor in the death toll. “It's good to take a step back,” Phillips said about the overall investigation. “Researchers are approaching the disaster from multiple angles, including the better understanding of the hazard, the performance of critical infrastructure, public response and recovery. “This holistic approach is needed to capture the complete picture and maximize what we can learn from the event. UF's primary contribution was understanding the hurricane wind field and the resulting structural loads, which is a critical piece of that puzzle.” In finding infrastructure vulnerabilities, researchers contend the goal is integrating their findings into design standards for Puerto Rico’s unique topography and building codes. The findings also could be valuable to other storm-prone regions with complex topography. NIST launched the investigation in 2018, noting Hurricane Maria “set off a cascade of building and infrastructure failures across Puerto Rico that had lasting impacts on society, including health care, business and education.” “Our goal is to learn from that event to recommend improvements to building codes, standards and practices that will make communities more resilient to hurricanes and other hazards, not just in Puerto Rico but across the United States,” Main said. The complete report is scheduled to be released in 2026, and NIST noted some findings may change before its release. But in July, NIST released some preliminary findings. They include: Peak wind speeds over flat terrain reached 140 mph. They accelerated to over 200 mph in some areas due to the steep hills and mountains. The mountains also intensified the rainfall, which reached 30 inches in some areas. Only three out of 22 weather stations were fully functional during the hurricane. 95.3% of schools on the island lost power for an average of over 100 days. “One important preliminary finding from the study is that emergency preparations work,” NIST reported. “Businesses, schools and hospitals that took specific measures to prepare before Hurricane Maria were able to resume operations more quickly” said Maria Dillard, NIST’s associate lead Hurricane Maria investigator. Preparations included pre-established emergency plans, designated risk mitigation funds and backup power sources.