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Expert Q& A: ‘The Pope is also a monarch’
Kathleen Comerford, Ph.D., professor of history at Georgia Southern University, specializes in Catholic history in the 16th and 17th centuries. She is also an associate editor for the Journal of Jesuit Studies, which focuses on the work of the Society of Jesus (Jesuits), a religious order within the Catholic Church. Pope Francis was the church’s first Jesuit pope. With the global significance and rarity of the conclave, Comerford answered frequently asked questions about how the conclave works, how the conclave process has evolved over time, and what the passing of a pope means for the Catholic Church and the world. Question: What does the passing of a pope mean for the world? Comerford: Multiple things! First of all, there are 1.4 billion Catholics in the world scattered in many different countries. The pope is a unifying figure for all of the Catholics. He represents something immediate in the sense that he’s the head of the church and is a recognizable figure. The pope is also a monarch. I was just talking with my classes about this. He is the head of the government of the Vatican City State, which is the smallest independent state in the world. It has a very long history itself. Pretty much everybody who lives in Vatican City works for the Vatican. The pope is one of the few elected monarchs in history. He is responsible for financial and political decisions, and he has ambassadors around the world as a result of his role in global policy. Question: How is a new pope selected? Comerford: The College of Cardinals will meet for an election called a conclave, and they actually stay in a dormitory-like place in Vatican City for it. They are sequestered from the public, and they take some time to meet, pray and vote. The cardinals aren’t supposed to be sitting around talking about who would be a really good pope, but we don’t know whether they do because they’re sequestered and nobody is supposed to talk about it. They will likely take a vote on the first day, but that’s not required. Every subsequent day, they can take a maximum of four votes; two in the morning and two in the afternoon until a candidate gets a two-thirds majority. Question: What does the voting look like? Comerford: There are ballots, and the cardinals write their preferred candidate on the ballot, and then they put their vote in a chalice. To count the votes, there’s a group of three people who are in charge of counting and then announcing the results to the fellow cardinals. There are 252 cardinals, but only 135 of them are eligible to vote because anyone over the age of 80 is ineligible. The procedure where only cardinals can elect the pope dates from 1059. The secret ballot and the two-thirds majority requirement is from 1621. The sequestration for the process dates from 1271 because they argued about who the new pope would be for two years and nine months; a total of 33 months. And so, they decided that the only way to make sure that this didn’t happen again would be to create this scenario with the cardinals locked in a room with a key. Question: When one of the candidates receives a two-thirds majority and becomes the next pope, how will it be announced? Comerford: Well, this is kind of fun, because they have four votes every day until one of the candidates receives a two-thirds majority. After they take the votes, the papers used to vote are burned. How the news is shared to the crowds outside is based on the color of smoke. If the smoke is black, that means no one received the majority and there’s no new pope yet. If there’s white smoke, it means there’s a new pope. This practice really only dates to the early 19th century. At first, it was just if there was smoke, there was no pope; if there was no smoke, then there was a pope. In 1914, they changed this aspect of the election so that black smoke means “no pope” and white smoke means “new pope.” Question: It’s expected that the next pope will be one of the cardinals in the room when they vote, yes? Comerford: Yes, but it doesn’t have to be. There have been a lot of popes, but in the last 200-300 years, there hasn’t been somebody who wasn’t in the conclave that was elected. Theoretically, they could nominate somebody who’s not a cardinal and the whole room could say, “yes, that’s the person we want as pope.” However, they don’t vote by acclamation anymore. They stopped doing that in the 19th century. Question: Pope Francis appointed 108 of the cardinals, so that’s a total of 80% of those eligible to vote for the next pope. How likely is it that we see a pope similar to the late Francis, considering he provided the electorate for his successor? Comerford: First of all, he deliberately went out and created cardinals in places where there had never been cardinals before. And he didn’t do that by saying, “I’m going to find somebody who’s like-minded to me.” He just said, “There are a lot of Catholics in Myanmar and they’ve never had a cardinal. So I’m going to make sure that there’s a cardinal now.” Most of these new cardinals are in places like Rwanda, Cape Verde, Tonga, Myanmar, Mongolia and so on. So these are non-European cardinals. Now, less than 40% of the voting cardinals are European. So to speculate on how similar they are to Francis, you have to break down what Francis was. There has been his entire pontificate about how he’s the first American pope, but his parents were born in Italy. He didn’t grow up speaking Italian, but it was a dialect of Italian as well as Spanish, because he grew up in Argentina. He was the most European you can get and still be an American. Another part of the question is, will the new pope be somebody who is of a similar mind to Francis in terms of his governance, which was very devolved. He introduced this idea of “synodality,” which is about fairly consistent communication with groups of people. Pope Francis was not particularly monarchical or hierarchical. There is also the aspect of his thinking that leans more to the left than the right on a number of social issues like immigration, women’s rights, the rights of minorities and immigration. He opened a lot of conversations, which the very right leaning portions of the church have been very uncomfortable with. If you're interested in learning more about this topic and want to book time to talk or interview with Kathleen Comerford then let us help - simply contact Georgia Southern's Director of Communications Jennifer Wise at jwise@georgiasouthern.edu to arrange an interview today.
Hormone Supplementation in Rhesus Monkeys Points to Potential Autism Treatment
For years, Florida Tech’s Catherine Talbot, assistant professor of psychology, has worked to understand the sociality of male rhesus monkeys and how low-social monkeys can serve as a model for humans with autism. Her most recent findings show that replenishing a deficient hormone, vasopressin, helped the monkeys become more social without increasing their aggression – a discovery that could change autism treatment. Currently, the Centers for Disease Control and Prevention report that one in 36 children in the United States is affected by autism spectrum disorder (ASD). That’s an increase from one in 44 children reported in 2018. Two FDA-approved treatments currently exist, Talbot said, but they only address associated symptoms, not the root of ASD. The boost in both prevalence and awareness of the disorder prompts the following question: What is the cause? Some rhesus monkeys are naturally low-social, meaning they demonstrate poor social cognitive skills, while others are highly social. Their individual variation in sociality is comparable to how human sociality varies, ranging from people we consider social butterflies to those who are not interested in social interactions, similar to some people diagnosed with ASD, Talbot said. Her goal has been to understand how variations in biology and behavior influence social cognition. In the recent research paper published in the journal PNAS, “Nebulized vasopressin penetrates CSF [cerebral spinal fluid] and improves social cognition without inducing aggression in a rhesus monkey model of autism,” Talbot and researchers with Stanford, the University of California, Davis and the California National Primate Research Center explored vasopressin, a hormone that is known to contribute to mammalian social behavior, as a potential therapeutic treatment that may ultimately help people with autism better function in society. Previous work from this research group found that vasopressin levels are lower in their low-social rhesus monkey model, as well as in a select group of people with ASD. Previous studies testing vasopressin in rodents found that increased hormone levels caused more aggression. As a result, researchers warned against administering vasopressin as treatment, Talbot said. However, she argued that in those studies, vasopressin induced aggression in contexts where aggression is the socially appropriate response, such as guarding mates in their home territory, so the hormone may promote species-typical behavior. She also noted that the previous studies tested vasopressin in “neurotypical” rodents, as opposed to animals with low-social tendencies. “It may be that individuals with the lowest levels of vasopressin may benefit the most from it – that is the step forward toward precision medicine that we now need to study,” Talbot said. In her latest paper, Talbot and her co-authors tested how low-social monkeys, with low vasopressin levels and high autistic-like trait burden, responded to vasopressin supplementation to make up for their natural deficiency. They administered the hormone through a nebulizer, which the monkeys could opt into. For a few minutes each week, the monkeys voluntarily held their face up to a nebulizer to receive their dose while sipping white grape juice – a favorite among the monkeys, Talbot said. After administering the hormone and verifying that it increased vasopressin levels in the central nervous system, the researchers wanted to see how the monkeys responded to both affiliative and aggressive stimuli by showing them videos depicting these behaviors. They also compared their ability to recognize and remember new objects and faces, which is another important social skill. They found that normally low-social monkeys do not respond to social communication and were better at recognizing and remembering objects compared to faces, similar to some humans diagnosed with ASD. When the monkeys were given vasopressin, they began reciprocating affiliative, pro-social behaviors, but not aggression. It also improved their facial recognition memory, making it equivalent to their recognition memory of objects. In other words, vasopressin “rescued” low-social monkeys’ ability to respond prosocially to others and to remember new faces. The treatment was successful – vasopressin selectively improved the social cognition of these low-social monkeys. “It was really exciting to see this come to fruition after pouring so much work into this project and overcoming so many challenges,” Talbot said of her findings. One of Talbot’s co-authors has already begun translating this work to cohorts of autism patients. She expects more clinical trials to follow. In the immediate future, Talbot is examining how other, more complex social cognitive abilities like theory of mind – the ability to take the perspective of another – may differ in low-social monkeys compared to more social monkeys and how this relates to their underlying biology. Beyond that, Talbot hopes that they can target young monkeys who are “at-risk” of developing social deficits related to autism for vasopressin treatment to see if early intervention might help change their developmental trajectory and eventually translate this therapy to targeted human trials. Catherine F. Talbot is an Assistant Professor in the School of Psychology at Florida Tech and co-director of the Animal Cognitive Research Center at Brevard Zoo. Dr. Talbot joined Florida Tech from the Neuroscience and Behavior Unit at the California National Primate Research Center at the University of California, Davis, where she worked as a postdoc on a collaborative bio-behavioral project examining naturally occurring low-sociability in rhesus monkeys as a model for the core social deficits seen in people with autism spectrum disorder, specifically targeting the underlying mechanisms of social functioning. If you're interested in connecting with Catherine Talbot - simply contact Adam Lowenstein, Director of Media Communications at Florida Institute of Technology at adam@fit.edu to arrange an interview today.
How to create an engaging online presence for your experts at scale.
Tasked with creating or expanding how you promote your organization's experts? Delivering an engaging online presence is vital, yet scaling from a handful of experts to hundreds takes planning. While interesting content, modern layouts, and intuitive navigation are essential, the real test lies in managing and presenting the extensive knowledge each expert brings. What works for a few can become a complex, time-consuming, and costly endeavor as you attempt to scale to dozens or hundreds of experts and their content, leading to an underwhelming user experience and missed opportunities. These challenges are magnified as small marketing and digital teams face greater demands such as: How do I create and maintain up-to-date content for all my experts? How can I efficiently roll out this content across my website, beyond just the About Us/Team or Newsroom sections? How can I best facilitate audience interaction with my content, leading to valuable opportunities for both my experts and my organization? And perhaps most importantly… How can I minimize the use of marketing and digital resources, as well as costs, in building and maintaining all this content? Addressing these challenges requires a plan. The following highlights 4 areas to focus on when scaling your expert content to ensure an engaging user experience for your audience. 1. Create versatile content that’s engaging, timely, and relevant. The foundational importance of the quality and versatility of your expert content in designing an optimal user experience cannot be overstated. According to a recent report from the Content Marketing Institute, the majority 52% of B2B marketers plan to increase their marketing spend in 2025 on “thought leadership content”. This underscores the necessity of making relevant, high-quality expert content the backbone of delivering engaging and intuitive interactions with your visitors. Without this focus on content, it doesn’t matter how visually appealing your layouts are or how well structured your navigation, it won’t meet the needs of your audience. Expertly crafted content builds trust and credibility, as users perceive well-organized, comprehensive and authoritative information as a sign of a reputable organization with interesting and credible experts. "Content precedes design. Design in the absence of content is not design, it’s decoration". Jeffrey Zeldman - Renowned designer, author & speaker on web design. Ultimately, the integration of high-quality, versatile content into UX design is essential for creating meaningful and effective digital experiences that meet and exceed your visitor’s expectations. Keys to Scaling Share the Workload: Make content creation and management easier by using a purpose-built system that streamlines content creation and updates, vs custom designed page or need to provide access to the core CMS. Ensure the system allows multiple team members, including the experts themselves, to easily access and manage their content, making the process quick and efficient. Repurpose Existing Content Assets: According to the Content Marketing Institute, the failure to utilize pre-existing content is significant challenge (37%) impacting marketers' ability to scale. Leverage existing content assets, such as blog copy & imagery, and previously created videos, to enhance your expert content. This approach allows you to enrich your content without the need for expensive production, making the most of the resources you already have. Leverage Your Content Elements Together or Individually: Each content element should enable visitors to explore deeper insights from experts. Linking profiles to embedded videos and insightful posts or showcasing other experts within your organization can offer new and diverse perspectives. This approach enhances user engagement and provides a richer, more interactive experience. 2. Start with a home base, then grow your footprint. Creating a home base for your expert content, such as an "Expert Center" or "Speakers Bureau," within your website's newsroom or media section, or enhancing your "About Us" pages, can significantly elevate your organization's profile and improve user experience. This hub could also be tailored to highlight specific areas like "Research Expertise," depending on your primary audience—be it media, event organizers, or prospective clients. Establishing this destination for your expertise using a flexible integration option, not only provides a focal point for your owned content but also lays the groundwork for expanding your reach across your website. By categorizing and featuring your expert content strategically, you can engage a broader audience across various sections of your site. "Your website’s content should act as a doorway. Land new visitors with compelling stories, then expand their engagement by guiding them to explore more relevant content tailored to their interests." Ann Handley, Chief Content Officer, MarketingProfs Keys to Scaling Establish & State Clear Objectives - Ensure you prominently state the goals of your initiative—whether it’s combating fake news, serving the community, or showcasing your organization's breadth of expertise. Clearly outline the types of inquiries you’re seeking to attract. This transparency not only sets expectations but also aligns visitors with your mission, fostering trust and engagement. Invest in Fresh Content - To keep your expert content hub dynamic and engaging, continually invest in new content. Regularly feature new experts and insights to encourage visitors to bookmark and frequently visit your site. Implementing a centralized, multi-access platform for content updates will streamline this process, making it scalable and sustainable. Link to Related Content - Utilize your expert content hub as a gateway to other areas of your website. Create links to related content, such as research initiatives, to help visitors explore and engage with your broader expertise. This not only enhances the user experience but also maximizes the value and reach of your content across your site. 3. Always be thinking about Discoverability Creating expert content—from compelling profiles to thought leadership—is only valuable if it’s easy to find. If visitors can’t quickly locate the expertise they need, frustration sets in and user experience suffers. To make expert content truly effective, it must be optimized for search engines, clearly organized, and internally linked. This is especially important for audiences like media, event organizers, and potential clients who rely on quick access to credible information. Prominently featuring and properly tagging expert content boosts visibility, builds authority, and drives meaningful engagement. Keys to Scaling Homepage/Top-Level Navigation: Don’t rely solely on a menu option or link buried in a subsection like your Newsroom. Featuring menu items, graphics, and other call-outs on your homepage and main section pages will increase interaction and inquiries. Leverage Distribution Networks: Drive traffic to your expert content by promoting your experts and their insights on platforms like LinkedIn, Twitter, and expert-specific search engines like expertfile.com or mobile expert directory apps. Add Free-Form Google-Like Search: Provide visitors with a free-form search experience that encompasses all elements of your expert content, rather than just a series of tags, titles, and names. Ensure All Metadata is Available: Let Google do the heavy lifting by ensuring you have properly structured metadata and schema data for each piece of expert content. While most digital teams remember standard title and description metadata, powerful schema data that helps Google understand the context and authority of the content is often overlooked. Add Links to Common Recurring Communications: Leverage all your communication channels, including adding links to your About Us section in press releases and individual experts’ email footers. 4. Plan for your Success It is important to plan for the success of your Expertise Marketing program. A successful program will not only deliver valuable opportunities, helping drive reputation and revenue, but can also place increased demands on your marketing and digital teams, as well as your experts themselves. Your success will likely inspire interest from other experts or departments for inclusion in your program, necessitating tools and defined processes for efficient onboarding of new experts and integrations across your website. Equally important is managing the influx of inquiries from key audiences such as the media, event organizers, and prospective clients in a way that provides a seamless user experience and encourages repeat engagement. Addressing these challenges with a strategic approach will lay a solid foundation for a robust and scalable expertise marketing initiative. Keys to Scaling Inquiry Workflow: Putting a general email or phone # as a contact does not scale. Implementing an efficient inquiry workflow is essential for the success of your expertise marketing. This process starts by ensuring that inquiries from key audiences—such as media, event organizers, and potential clients—are promptly and accurately directed to the appropriate experts within your organization. An automated system can streamline this process by categorizing inquiries based on specific topics and routing them to the relevant experts, even filtering out unnecessary or harmful inquiries. This approach not only saves time but also ensures swift and professional responses, enhancing your organization's reputation and effectiveness. Capture and Act on Analytics: Continually monitoring your analytics is crucial for refining your content strategy. By analyzing which types of content and which experts resonate most with your audience, you can better plan future content creation and decide who to feature prominently. This data-driven approach allows you to tailor your expertise marketing efforts more effectively, ensuring that you consistently engage your audience and meet their needs. Share Your Success - By sharing your experts' achievements both within and outside your organization, you create a culture of recognition and aspiration. This not only encourages additional departments and experts to join your program but also enhances the overall value of your expert center. Expanding your program to include more experts and additional expert content transforms your website into a valuable destination for key audiences such as media, event organizers, and potential clients. Effective dissemination of success stories amplifies your reach, reinforces your organization’s credibility, and drives sustained engagement and growth. Successfully scaling your Expertise Marketing program while maintaining an optimal user experience presents unique challenges. It requires producing versatile, high-quality content that is consistently engaging and relevant. Establishing a centralized home base for this content, such as an "Expert Center," helps streamline navigation and enhance user interaction. Improving discoverability through effective SEO and internal linking ensures that your expert content is easily accessible to key audiences like media and event organizers. Finally, meticulous planning for content updates and inquiry workflows is essential to manage resources efficiently and sustain growth. By addressing these areas strategically, you can build a robust and scalable Expertise Marketing initiative that drives engagement and reinforces your organization's reputation. About ExpertFile ExpertFile is changing the way organizations tap into the power of their experts to drive valuable inquiries, accelerate revenue growth, and enhance their brand reputation. Used by leading corporate, higher education and healthcare clients worldwide, our award-winning platform helps teams structure, manage and promote their expert content while our search engine features experts on over 50,000+ topics. Download our "Guide to Expertise Marketing", book a demo and more here.
Retirement: For Better, For Worse, and for Much More Time Together
Retirement is supposed to be your golden reward—freedom from alarm clocks, endless Zoom meetings, and performance reviews. But no one warned you about the relationship performance review that arises when you and your partner suddenly find yourselves spending over 100 hours a week together. For some, it’s bliss; for others, it feels like a full-time job without an HR department. While grey divorce (divorce after age 50) is on the rise in Canada, separation isn’t inevitable. However, marital harmony is also not guaranteed. The truth lies somewhere in between—and that’s where things become interesting. Retirement isn't merely a lifestyle change—it’s a complete identity shake-up, which can create stress even in the strongest relationships. Grey Divorce: An Increasing Trend Though Canada’s overall divorce rate reached a 50-year low in 2020, divorce among people over 50 is increasing—this trend is dubbed grey divorce. According to Statistics Canada, this demographic is increasingly re-evaluating their relationships as they retire (CBC News, 2024). The same pattern is unfolding south of the border, with the AARP reporting a steady rise in senior divorces in the U.S. Grey divorce isn’t just emotionally taxing—it can be financially devastating. Women, in particular, bear the brunt. A study by the National Center for Family & Marriage Research found that divorced women over 50 have 45% less wealth than their married peers. In Canada, the Canadian Institute of Actuaries has warned that divorce later in life can significantly erode retirement savings and delay or derail financial plans. Role Confusion One retired executive shared that after decades of being chauffeured to work, he assumed retirement meant his wife would now be his driver. “I thought she’d just take over that role, as he climbed into the back seat,” he said, genuinely confused. She had other plans that did not involve sitting behind a wheel, taking coffee orders, or navigating roundabouts. He had not yet made the emotional or physical shift from being served to becoming equal. That transition is more complicated than it sounds—and more common than you'd think. When one partner’s identity is career-driven and the other manages the home, retirement necessitates a complete recalibration. Power dynamics shift, control issues surface, and resentment simmers if left unacknowledged. Housework ≠ Heartwork If you're home full-time now, guess what? You’re not a guest anymore. The dishes, the vacuuming, the grocery runs—these are now shared responsibilities. Nothing breeds resentment faster than an unequal workload. Retirement doesn’t mean “relax”; rather, it signifies redistributing the work of life. Unspoken truths will find their voice. Let’s face it—decades of unexpressed frustrations don’t remain buried. They begin to comment on how someone folds laundry, stacks the dishwasher, or leaves the cap off the toothpaste. Retirement magnifies everything: the quirks you used to laugh off? Mansplaining! What habits did you ignore because life was busy? Now they’re front and center. And what bad habits did you have before? They don’t improve with age—they get worse. Emotional and Mental Health Insights Relationship difficulties can trigger anxiety, depression, and loneliness, especially among men who may have smaller support networks outside their marriages. A 2020 study in the Journal of Gerontology found that post-divorce social isolation is closely linked to declining physical and mental health in later life. Not all couples want to—or need to—divorce to find peace. Increasingly, older Canadians are exploring “Living Apart Together” (LAT) arrangements, where partners maintain separate residences while remaining in a committed relationship. Research by the Vanier Institute and AARP suggests that LAT relationships allow for autonomy while maintaining emotional connection—a potential middle ground for couples who struggle with full-time togetherness in retirement. For many, retirement means the loss of structure, identity, and purpose, particularly for those who have closely tied their sense of self to their professional roles. This loss can create irritability, aimlessness, and tension in a partnership. As Harvard Business Review put it, retirement can be especially tough for men because “so many men are bad at retirement” (HBR, 2021). This emotional void often spills over into the relationship, testing its resilience. Retirement often brings a sudden reshuffling of roles at home. Many men who may have spent decades focused on their careers struggle to adjust to a more balanced domestic lifestyle. The Canadian Centre for Policy Alternatives notes that retirement can expose long-standing gendered inequalities in household labour, leading to friction, resentment, and, at times, relationship breakdown. How to Thrive—Together or Apart The goal isn’t perfection; it’s peace, fulfillment, and ample personal space to breathe. Here’s how to get there: creatively, practically, and honestly. 1. Have the Real Conversations Ask the questions you avoided when life was too busy: • “Are we happy?” • “What do you want out of the next ten years?” • “Are there things we’ve never talked about that matter now?” Unspoken expectations are relationship landmines. Bring them to light—gently and often. 2. Separate Bedrooms, United Front Don’t frown; they are more common than you might think and less scandalous than it sounds. Separate sleep equals better rest, less irritation, and sometimes a more intentional intimate life. Please don’t consider it a breakup; position it as a better mattress strategy. 3. The Basement Suite or In-Law Apartment Plan This represents the sweet spot between staying together and going entirely separate. Living in the same house with clearly defined zones provides each partner with breathing room and independence, especially when you’ve grown apart but don’t want to disrupt finances or family. Ground rules are essential: • Who is responsible for what costs? • Shared meals or separate? • New partners—yay or nay? It’s not perfect, but it can be practical. 4. A Second Space: Cottage, Trailer, or Tiny Cabin A humble trailer or rustic cabin might save your marriage. It’s not about luxury—it’s about space, autonomy, and silence when needed. Whether alternating weekends or solo sabbaticals, having a backup place to go can restore harmony at home. 5. Travel Separately (Sometimes) One of you wants to hike Machu Picchu, while the other prefers to nap in Muskoka. You don’t have to compromise; you can take turns. Alternate between solo trips, friend getaways, or short solo retreats. You’ll both return refreshed—and more engaged. 6. Discover New Purpose (or Income) A restless, lost, or bored partner can quietly sabotage the household. Encourage: • Volunteering • Consulting or part-time work • Mentoring • Taking courses or teaching others • Rediscovering old passions If Divorce Is the Best Option At times, the most honest act is to end a marriage with kindness. If this is the only option, there are important factors to consider: Financial Reality Check • Assets will be divided, including the house, pensions, RRSPs, etc. • Expenses double: two homes, two insurance policies, and two fridges to stock. • Retirement income may not be sufficient for both lives. • Legal costs and timing matter more than ever now—because the time to recover financially is limited. There are no pensions in tears. Therefore, if you choose this route, plan ahead. Family Impact • Adult children might feel shocked—or even angry. • Grandchildren can pose challenging questions. • Long-term friendships may weaken. • Shared traditions may require reinvention. This process can be amicable. A new term has emerged among women caring for their ill or aging ex-husbands: “Wasbands.” These women step up with empathy rather than obligation. Vows no longer bind them; instead, they are guided by compassion. Honestly, humanity wins in these situations. There is still love, respect, and history—even if it’s no longer romantic. That is not failure; it is growth. Rewrite the Rules Retirement is not a dead end; it’s a creative reawakening—if you approach it that way. Retirement is a significant life transition—not just financially, but relationally. Like any other chapter in life, it requires renegotiation, mutual respect, and a willingness to evolve. Some couples find deeper intimacy, while others redefine their relationships entirely. The good news? Whether it's under one roof or two, retirement can still be a time of connection, discovery, and, yes, romance. But it also requires some good, old-fashioned adulting. Yes, *adulting*—that modern word we usually reserve for paying bills, booking dental appointments, and reading the fine print. It turns out it’s equally essential in retirement. Emotional maturity, communication, boundary-setting, and a shared approach to evolving roles are all keys. Think of it like the Sonnet Insurance commercials that cheekily remind us adulting is hard but worth it. Retirement is also a factor, especially when approached with intention and a sense of humour. This is your last chapter. Make it a good one. Whether you stay together, sleep apart, live separately under one roof, or consciously uncouple, do it with clarity, kindness, and courage. The goal isn’t a perfect love story; it’s a fulfilling life for both of you. When in doubt, take a walk (alone if necessary). Share a joke. Communicate like adults. And for the love of long-term care insurance, remember: resentment compounds faster than interest. If you enjoyed this article or thought, “Oh wow, this is exactly what my friend/parent/relative needs to read,” please share it. You can also subscribe to the Retirement Literacy newsletter for more smart, candid, and occasionally cheeky insights on navigating life after full-time work. Let’s make retirement not just the end of work, but the start of something meaningful, fulfilling, and a little fabulous. Don’t Retire…Rewire! p.s. Know someone who’s about to retire?— Why not share this worksheet? It’s the best pre-retirement checklist they never knew they needed. 6 Questions to Ask Before Retiring Together Retirement reshapes your schedule, your identity—and your relationship. Before you hand in your keycard, ask these candid questions with your partner. Because the toughest part of retirement isn’t money—it’s time. And you’ll be spending a lot more of it together. 1. What Do You Want This Chapter of Life to Look Like? Dreams misaligned can lead to daily friction. Do you crave adventure while your partner seeks peace and quiet? Map it out—together. 2. How Much Time Do We Really Want to Spend Together? “Always together” sounds sweet—until it feels stifling. Define your ideal balance between shared time and personal space. 3. What Roles Are We Playing Now—And Do They Need to Change? Retirement often means rebalancing housework, caregiving, and emotional labor. What’s fair now that you’re both at home? 4. Are There Any Long-Standing Frustrations We’ve Avoided Talking About? Retirement shines a spotlight on old resentments. It's better to talk than to silently stew over how the dishwasher is loaded. 5. How Will We Handle Money Decisions as a Team? With changing income and more shared expenses, financial transparency and joint planning are more crucial than ever. 6. What Will Give Each of Us a Sense of Purpose—Individually? A restless or bored partner can bring tension into the home. Talk about passions, volunteer work, or part-time pursuits that bring meaning. Want more smart, candid insights? Visit www.retirementliteracy.com to start rewriting your next chapter with clarity and confidence.
With Rise in US Autism Rates, Florida Tech Expert Clarifies What We Know About the Disorder
A new report from the Centers for Disease Control and Prevention (CDC) found that an estimated 1 in 31 U.S. children has autism; that's about a 15% increase from a 2020 report, which estimated 1 in 36. The latest numbers come from the CDC’s Autism and Developmental Disabilities Monitoring (ADDM) Network, which tracked diagnoses in 2022 among 8-year-old children. Autism spectrum disorder (ASD) is a neurological disorder that refers to a broad range of conditions affecting social interaction. People with autism may experience challenges with social skills, repetitive behaviors, speech and nonverbal communication. The news has experts like Florida Tech's Kimberly Sloman, Ph.D, weighing in on the matter. She noted that the definition of autism was expanded to include mild cases, which could explain the increase. “Research shows that increased rates are largely due to increased awareness and changes to diagnostic criteria. Much of the increase reflects individuals who have fewer support needs, women and girls and others who may have been misdiagnosed previously," said Sloman. Her insight follows federal health secretary Robert F. Kennedy Jr.'s recent declaration, vowing to conduct further studies to identify environmental factors that could cause the disorder. In his remarks, he also miscategorized autism as a "preventable disease," prompting scrutiny from experts and media attention. “Autism destroys families,” Kennedy said. “More importantly, it destroys our greatest resource, which is our children. These are children who should not be suffering like this.” Kennedy described autism as a “preventable disease,” although researchers and scientists have identified genetic factors that are associated with it. Autism is not considered a disease, but a complex disorder that affects the brain. Cases range widely in severity, with symptoms that can include delays in language, learning, and social or emotional skills. Some autistic traits can go unnoticed well into adulthood. Those who have spent decades researching autism have found no single cause. Besides genetics, scientists have identified various possible factors, including the age of a child’s father, the mother’s weight, and whether she had diabetes or was exposed to certain chemicals. Kennedy said his wide-ranging plan to determine the cause of autism will look at all of those environmental factors, and others. He had previously set a September deadline for determining what causes autism, but said Wednesday that by then, his department will determine at least “some” of the answers. The effort will involve issuing grants to universities and researchers, Kennedy said. He said the researchers will be encouraged to “follow the science, no matter what it says.” April 17 - Associated Press Sloman emphasized that experts are confident that autism has a strong genetic component, meaning there's an element of the disorder that may not be preventable. However, scientists are still working to understand the full scope of the disorder, and much is still unknown. “We know that there’s a strong genetic component for autism, but environmental factors may interact with genetic susceptibility," Sloman said. "This is still not well understood.” Kimberly Sloman’s research interests include best practices for treating individuals with autism spectrum disorder (ASD). She studies the assessment and treatment of problem behavior with methods such as stereotypy, individualized skill assessments and generalization of treatment effects. Are you covering this story or looking to know more about autism and the research behind the disorder? Let us help. Kimberly is available to speak with media about this subject. Simply click on her icon now to arrange an interview today.
Digital Dementia: Does Technology Use by ‘Digital Pioneers’ Correlate to Cognitive Decline?
As the first generation that interacted with digital technology reaches an age where dementia risks emerge, scientists have asked the question: Is there a correlation between digital technology use and an increased risk of dementia? With the phrases “brain rot” and “brain drain” circulating on social media, it would appear that most people would assume the answer is yes. However, a new study in Nature Human Behavior by neuroscientists at Baylor University and the University of Texas at Austin Dell Medical School reveals the opposite – digital technologies are actually associated with reduced cognitive decline. The study – A meta-analysis of technology use and cognitive aging – was sparked by the ongoing concern about the passive activity of digital technologies and their relation to accelerating risks of dementia. Study co-authors are Jared F. Benge, Ph.D., clinical neuropsychologist and associate professor of neurology at Dell Medical School and UT Health Austin’s Comprehensive Memory Center within the Mulva Clinic for the Neurosciences, and Michael K. Scullin, Ph.D., associate professor of psychology and neuroscience at Baylor. “You can flip on the news on just about any day and you’ll see people talking about how technologies are harming us,” Scullin said. “People often use the terms ‘brain drain’ and ‘brain rot,’ and now digital dementia is an emerging phrase. As researchers, we wanted to know if this was true.” The “digital dementia” hypothesis predicts that a lifetime of exposure to digital technology will worsen cognitive abilities. On the contrary, the study’s findings challenge this hypothesis, indicating instead that engagement with digital technology fosters cognitive resilience in these adults. Reviewing more than 136 studies with data that encompassed over 400,000 adults, and longitudinal studies with an average of 6 years of follow-up data, Scullin and Benge found compelling evidence that digital technology use is associated with better cognitive aging outcomes, rather than harm. The researchers’ study supported the “technological reserve” hypothesis, finding that digital technologies can promote behaviors that preserve cognition. In fact, their study revealed that digital technology use correlates with a 58% lower risk of cognitive impairment. This pattern of cognitive protection persisted when the researchers controlled for socioeconomic status, education, age, gender, baseline cognitive ability, social support, overall health, and engagement with mental activities like reading that might have explained the findings. Increase in problem-solving skills Scullin said that for some, these findings are surprising as technology use is often associated with being sedentary both physically and mentally. However, for the current generation of older adults who were introduced to the first technological advancements – computers, the Internet and smartphones – past their childhood, using technology is cognitively challenging because it is everchanging. “One of the first things that middle-age and older adults were saying is that ‘I’m so frustrated by this computer. This is hard to learn.’ That's actually a reflection of the cognitive challenge, which may be beneficial for the brain even if it doesn’t feel great in the moment.” Scullin said. Technology requires constant adaption, he said, such as understanding new software updates, troubleshooting Internet loss or filtering out website ads. “If you’re doing that for years and you’re really engaging with it, even though you might experience frustration, that may be a sign of you exercising your brain,” he said. Social connection Technology also enables communication and engagement like never before, which can expand opportunities for connectivity. Video calls, emails and messaging apps help maintain social networks, especially for people who would not otherwise regularly see their family members. “Now you can connect with families across generations,” Scullin said. “You not only can talk to them, you can see them. You can share pictures. You can exchange emails and it's all within a second or less. So that means there's a greater opportunity for decreasing loneliness.” Better social connectedness is a well-documented correlate of cognitive functioning in older adults, providing a link between decreased isolation from digital technologies and reduced risks of dementia. Impact of “digital scaffolding” A dementia diagnosis is indicated in part when cognitive changes lead to a loss of independence with daily tasks. Tools such as digital reminders, GPS navigation and online banking allow older adults to remain independent despite cognitive difficulties through digital scaffolding. According to the research article, this digital scaffold “facilitates better functional outcomes in older adults while general cognitive functioning declines.” Technologies can serve as a compensatory support system to maintain general independence and reduce the risk of a dementia diagnosis even with the presence of some cognitive decline. “As clinical practice continues to move toward an individualized, precision-medicine approach, it will be necessary for the field to identify for whom and for how long, such digital scaffolding is effective,” the researchers said. Promoting healthy technology use While Scullin recognizes the negative effects of technology, such as distracted driving or using technology over consistent face-to-face interaction, he also emphasizes how promoting a healthy use of digital tools in older adults is beneficial for their cognitive health. “If you have a parent or grandparent who’s just staying away from technology, maybe revisit that. Could they learn to use photo, messaging, or calendar apps on a smartphone or tablet? Start simple and be very patient while they learn,” he said. Social media use is another highly debated topic in terms of cognitive effects. While he says it’s hard to predict the cognitive effects of endlessly scrolling on TikTok, Scullin does argue that generating videos through creative cognition could be beneficial. In addition, he said that interacting with communities online can provide benefits by forming social connections. “We could spend a long time talking about all the specific ways in which technology use can be bad. However, the net effect since the 1990s has been positive for overall cognition in older adults,” he said. FUNDING The study was supported by funding from the National Institutes of Health (R01AG082783; M.K.S., J.F.B.). Michael Scullin was named Baylor’s inaugural Newsmaker of the Year in 2018, after his “to-do list” research was widely covered by media outlets, including ABC’s Good Morning America, TODAY.com, USA TODAY, Discover, LiveScience, HealthDay, BBC Radio and many more, reaching an international circulation and viewership of nearly 1 billion people. Looking to interview or chat with Michael Scullin? Simply click on his icon now to arrange an interview today.
Taking ACT-ion for Quality Improvement
“Learning is a journey. It is continuous,” said nurse Hellen Okoth, MSN, CCRN, RN-BC, of the Transitional Surgical Unit. She was one of the learners on that journey through ChristianaCare’s professional development program Achieving Competency Today (ACT). ACT, a 12-week graduate-level program dedicated to health care improvement, will celebrate its 40th session in 2025. Some 1,000 caregivers have graduated from ACT and have tested some 140 innovative project ideas since the program’s launch in 2003. On April 9, three ACT teams presented their quality improvement projects at the John H. Ammon Medical Education Center on ChristianaCare’s Newark campus. Interdisciplinary, experiential learning programs like ACT create a rich and dynamic learning environment,” said Tabassum Salam, M.D., MBA, FACP, chief learning officer for ChristianaCare. “The emphasis on continuous improvement and real-world applications of the educational content sets our ACT graduates up for lifelong learning and repeated application of these new skills.” The ACT course is a collaborative experience that brings together learners from diverse disciplines to tackle real-world health care challenges. Participants learn from health system leaders and gain a broad perspective on health care through coursework. They work in teams to complete problem-solving projects from start to finish using the Plan-Do-Check-Act (PCDA) model of continuous improvement. Facilitators, who are experts in improvement science and team effectiveness, guide the teams through the process, ensuring that each project is meticulously planned and executed. ChristianaCare offers many professional development opportunities. Click here for careers and benefits. “The hands-on projects in ACT enable learners to innovate and test out solutions in settings that directly benefit patients, leading to better outcomes and a higher quality of care,” Salam said. The three most recent teams presented improvement research that has the potential to expand beyond their pilot stage to other areas of the health system. ‘Hush! For the Love of Health’ In “Hush! For the Love of Health,” an interdisciplinary team worked to reduce noise levels on the Cardiovascular Critical Care Unit (CVCCC) at Christiana Hospital. Their goal was to decrease ambient noise levels by 10 decibels during the study period. Intensive care units often experience noise levels that can exceed 80 decibels. A quiet environment is 30 to 40 decibels. Members of the “Hush” project found creative ways to reduce noise on an intensive care unit. Ambient noise refers to all sounds present in the background, which research shows can interfere with communication, concentration and comfort. In a hospital setting, these sounds may include alarms, conversations, announcement and pages and carts moving by. The team looked for opportunities to safely reduce the number of alarms sounding. By collaborating with Philips technology company to lower alarm volumes and eliminate redundant alarms, they reduced the number of alarms sounding from 10,000 to 3,000 daily and successfully decreased noise levels by 13 decibels, exceeding their goal. “It’s good for patients to have a quiet environment and it fights alarm fatigue for caregivers,” said Dylan Norris, a pre-medical student from the University of Delaware and participant in the ACT course. ‘Show Up and Show Out’ Reducing the no-show rate among patients in primary care practices improves health outcomes and conserves resources. In “Show Up and Show Out: Boosting Patient Attendance in Primary Care,” the project team aimed to reduce the incidence of no-show appointments at the Wilmington Adult Medicine (WAM) practice by 10%. The “Show Up and Show Out” project team used personalized communication outreach to patients to encourage keeping their primary care appointments. “Our literature review showed that personal relationships with providers are one thing that can encourage people to attend appointments,” said team member Christi Karawan, MS, BSN, CCRN-CSC. The key to their problem-solving strategy was using a secure messaging platform for automatic appointment reminders specifically for WAM that were personalized with the provider’s name and thanking the patients for letting WAM be a part of their healthcare team. Other steps on the road to success were signage around the practice encouraging patients to update their contact information and calls from office assistants and medical assistants to unconfirmed patients the day prior to their appointments. The team achieved a 9.5% reduction in no-shows, just shy of their goal, over a two-week period. An office assistant who participated in the pilot said, “Outreach has been helpful not only in getting people in but in getting people to reschedule or cancel. We can catch it before it becomes a no-show.” ‘Magnetic Efficiency’ To address delays in patient transport from MRI testing at Newark campus, an ACT team created a new communication workflow to directly connect patient escort dispatch to the MRI charge technician. The ACT team aimed to decrease patient wait times following MRI completion for stretcher transport back to patients rooms by 25% — and “a bold goal,” said one colleague — during the study period. The “Magnetic Efficiency” team identified a new workflow to get patients back to their hospital rooms faster after MRI testing. Using Vocera wearable communications tools, the team created a thread for direct communication between Escort Dispatch caregivers and MRI charge technicians. Also, when an Escort transporter dropped off a patient for an MRI, the transporter asked MRI staff if any patients were ready to go back to their rooms. These changes in communication and empowerment consolidated transports and led to a 17% reduction in wait time during the two-week pilot. “We don’t want people to work harder,” said team member Tim Kane, BSN, RN. “We wanted to avoid preventable delays.” Both teams expressed satisfaction and improved communication with the new process and they expressed interest in continuing the process after the pilot ended. Future forward The ACT course has a rich history, originating from a specific initiative piloted by the Robert Wood Johnson Foundation with ChristianaCare among the early adopters along with Harvard University, the University of Pennsylvania, Johns Hopkins University and Beth Israel Deaconess Medical Center. Through the years, ChristianaCare ACT team members have seen their projects live on both as permanent changes throughout the health system and, more personally, in their professional growth. “I was able to enhance my creativity, organizational and problem-solving skills,” said Starr Lumpkin, a staff assistant who was on the “Hush” team. “This was a pivotal journey for me.” ChristianaCare is growing its program to develop a pipeline for the next generation of health professionals, said Safety and Quality Education Specialist Claire Rudolph, MSM, CPHQ. “We have a varied group of learners and facilitators who are making an impact on health care quality, cost and safety.” Dylan Norris was the first participant from a new partnership with the University of Delaware for pre-med students to get quality improvement experience. “I have learned so much about what goes into a quality improvement project. Buy-in from the stakeholders is key in implementing any new project successfully,” she said. “I have also learned about the importance of the initial research that goes into creating a new project and how much pre-planning goes into it.” Closing the event, Clinical Effectiveness Officer Christian Coletti, M.D., MHCDS, FACEP, FACP, called on the ACT graduates to use their newfound “superpowers” — “vision, seeing the future, catching something before it breaks. “It’s not a glitch in the matrix,” he said. “You are the most important people at the bedside – hearing the alarms going off or the stretchers piling up. Work to identify problems and move toward solutions in your own microenvironments. Pass on your powers with reckless abandon.”
A final disbursement of $8.8 million completes the $17.8 million grant awarded by the Department of Defense (DoD) to Virginia Commonwealth University’s (VCU) Convergence Lab Initiative (CLI). The funding allows CLI to continue advancing research in the areas of quantum and photonic devices, microelectronics, artificial intelligence, neuromorphic computing, arts and biomedical science. “The Convergence Lab Initiative represents a unique opportunity to drive innovation at the intersection of advanced technologies, preparing our students to tackle the critical challenges of tomorrow,” said Nibir Dhar, Ph.D., electrical and computer engineering professor and CLI director. “By combining cutting-edge research in electro-optics, infrared, radio frequency and edge computing, we are equipping the next generation of engineers with the skills to shape the future of both defense and commercial industries.” Working with Industry Partnership is at the heart of CLI and what makes the initiative unique. CivilianCyber, Sivananthan Laboratories and the University of Connecticut are among several collaborators focusing on cutting-edge, multidisciplinary research and workforce development. The lightweight, low-power components CLI helps develop are capable of transforming military operations and also have commercial applications. The Convergence Lab Initiative has 25 collaborative projects in this area focused on: Electro-optic and Infrared Technologies: Enhancing thermal imaging for medical diagnostics, search-and-rescue operations and environmental monitoring. This improves military intelligence, surveillance and reconnaissance capabilities. Radio Frequency and Beyond 5G Communication: Developing ultra-fast, low-latency communication systems for autonomous vehicles, smart cities and telemedicine. Accelerating advancements in this area also address electronic warfare challenges and security vulnerabilities. Optical Communication in the Infrared Wavelength: Increasing data transmission rates to create more efficient networks that support cloud computing, data centers, AI research and covert military communications. Edge Technologies: Creating low size, weight and low power-consuming (SWaP) computing solutions for deployment in constrained environments, such as wearables, medical devices, internet of things devices and autonomous systems. These technologies enhance real-time decision-making capabilities for agriculture, healthcare, industrial automation and defense. Benefits for Students College of Engineering students at VCU have an opportunity to engage with cutting-edge research as part of the DoD grant. Specialized workforce development programs, like the Undergraduate CLI Scholars Program, provide hands-on experience in advanced technologies. The STEM training also includes students from a diverse range of educational backgrounds to encourage a cross-disciplinary environment. Students can also receive industry-specific training through CLI’s Skill-Bridge Program, which facilitates direct connections between business needs and academic education. Unlike the DoD program for transitioning military personnel, the CLI Skill-Bridge is open to students from VCU and other local universities, creating direct connections between industry needs and academic training. This two-way relationship between academia and industry is unlike traditional academic research centers. With the College of Engineering’s focus on public-private partnerships, VCU becomes a registered partner with the participating businesses, collaborating to design individualized training programs focused on the CLI’s core research areas. This approach ensures students receive relevant, up-to-date training while companies gain access to a pipeline of skilled talent familiar with the latest industry trends and innovations. “The significance of this grant extends beyond immediate research outcomes. It addresses critical capability gaps for both the DoD and commercial sectors,” says Dhar. “This dual-use approach maximizes DoD investment impacts and accelerates innovation in areas that affect everyday life — from healthcare and environmental monitoring to communication networks and smart infrastructure. Breakthroughs emerging from these collaborations will strengthen national security while creating commercial spinoffs that drive economic growth and improve quality of life for communities both locally and globally. Advances in infrared technology, in particular, will position the VCU College of Engineering as a center for defense technologies and new ideas.”
Virtual reality training tool helps nurses learn patient-centered care
University of Delaware computer science students have developed a digital interface as a two-way system that can help nurse trainees build their communication skills and learn to provide patient-centered care across a variety of situations. This virtual reality training tool would enable users to rehearse their bedside manner with expectant mothers before ever encountering a pregnant patient in person. The digital platform was created by students in Assistant Professor Leila Barmaki’s Human-Computer Interaction Laboratory, including senior Rana Tuncer, a computer science major, and sophomore Gael Lucero-Palacios. Lucero-Palacios said the training helps aspiring nurses practice more difficult and sensitive conversations they might have with patients. "Our tool is targeted to midwifery patients,” Lucero-Palacios said. “Learners can practice these conversations in a safe environment. It’s multilingual, too. We currently offer English or Turkish, and we’re working on a Spanish demo.” This type of judgement-free rehearsal environment has the potential to remove language barriers to care, with the ability to change the language capabilities of an avatar. For instance, the idea is that on one interface the “practitioner” could speak in one language, but it would be heard on the other interface in the patient’s native language. The patient avatar also can be customized to resemble different health stages and populations to provide learners a varied experience. Last December, Tuncer took the project on the road, piloting the virtual reality training program for faculty members in the Department of Midwifery at Ankara University in Ankara, Turkey. With technical support provided by Lucero-Palacios back in the United States, she was able to run a demo with the Ankara team, showcasing the UD-developed system’s interactive rehearsal environment’s capabilities. Last winter, University of Delaware senior Rana Tuncer (left), a computer science major, piloted the virtual reality training program for Neslihan Yilmaz Sezer (right), associate professor in the Department of Midwifery, Ankara University in Ankara, Turkey. Meanwhile, for Tuncer, Lucero-Palacios and the other students involved in the Human-Computer Interaction Laboratory, developing the VR training tool offered the opportunity to enhance their computer science, data science and artificial intelligence skills outside the classroom. “There were lots of interesting hurdles to overcome, like figuring out a lip-sync tool to match the words to the avatar’s mouth movements and figuring out server connections and how to get the languages to switch and translate properly,” Tuncer said. Lucero-Palacios was fascinated with developing text-to-speech capabilities and the ability to use technology to impact patient care. “If a nurse is well-equipped to answer difficult questions, then that helps the patient,” said Lucero-Palacios. The project is an ongoing research effort in the Barmaki lab that has involved many students. Significant developments occurred during the summer of 2024 when undergraduate researchers Tuncer and Lucero-Palacios contributed to the project through funding support from the National Science Foundation (NSF). However, work began before and continued well beyond that summer, involving many students over time. UD senior Gavin Caulfield provided foundational support to developing the program’s virtual environment and contributed to development of the text-to-speech/speech-to-text capabilities. CIS doctoral students Fahim Abrar and Behdokht Kiafar, along with Pinar Kullu, a postdoctoral fellow in the lab, used multimodal data collection and analytics to quantify the participant experience. “Interestingly, we found that participants showed more positive emotions in response to patient vulnerabilities and concerns,” said Kiafar. The work builds on previous research Barmaki, an assistant professor of computer and information sciences and resident faculty member in the Data Science Institute, completed with colleagues at New Jersey Institute of Technology and University of Central Florida in an NSF-funded project focused on empathy training for healthcare professionals using a virtual elderly patient. In the project, Barmaki employed machine learning tools to analyze a nursing trainee’s body language, gaze, verbal and nonverbal interactions to capture micro-expressions (facial expressions), and the presence or absence of empathy. “There is a huge gap in communication when it comes to caregivers working in geriatric care and maternal fetal medicine,” said Barmaki. “Both disciplines have high turnover and challenges with lack of caregiver attention to delicate situations.” UD senior Rana Tuncer (center) met with faculty members Neslihan Yilmaz Sezer (left) and Menekse Nazli Aker (right) of Ankara University in Ankara, Turkey, to educate them about the virtual reality training tool she and her student colleagues have developed to enhance patient-centered care skills for health care professionals. When these human-human interactions go wrong, for whatever reason, it can extend beyond a single patient visit. For instance, a pregnant woman who has a negative health care experience might decide not to continue routine pregnancy care. Beyond the project’s potential to improve health care professional field readiness, Barmaki was keen to note the benefits of real-world workforce development for her students. “Perceptions still exist that computer scientists work in isolation with their computers and rarely interact, but this is not true,” Barmaki said, pointing to the multi-faceted team members involved in this project. “Teamwork is very important. We have a nice culture in our lab where people feel comfortable asking their peers or more established students for help.” Barmaki also pointed to the potential application of these types of training environments, enabled by virtual reality, artificial intelligence and natural language processing, beyond health care. With the framework in place, she said, the idea could be adapted for other types of training involving human-human interaction, say in education, cybersecurity, even in emerging technology such as artificial intelligence (AI). Keeping people at the center of any design or application of this work is critical, particularly as uses for AI continue to expand. “As data scientists, we see things as spreadsheets and numbers in our work, but it’s important to remember that the data is coming from humans,” Barmaki said. While this project leverages computer vision and AI as a teaching tool for nursing assistants, Barmaki explained this type of system can also be used to train AI and to enable more responsible technologies down the road. She gave the example of using AI to study empathic interactions between humans and to recognize empathy. “This is the most important area where I’m trying to close the loop, in terms of responsible AI or more empathy-enabled AI,” Barmaki said. “There is a whole area of research exploring ways to make AI more natural, but we can’t work in a vacuum; we must consider the human interactions to design a good AI system.” Asked whether she has concerns about the future of artificial intelligence, Barmaki was positive. “I believe AI holds great promise for the future, and, right now, its benefits outweigh the risks,” she said.
Off-channel communications (OCC) occur when employees use unapproved and inadequately protected devices – such as personal cellphones – or applications to communicate with co-workers, counterparties and / or clients. Many financial services firms are required to maintain copies of all communications regarding their business, supervise the same, and produce them in response to regulatory requests. Firms cannot meet those compliance obligations when employees resort to unauthorized OCC for business-related matters. In charging 15 broker-dealers and one affiliated investment advisor in September 2022 with record-keeping violations, the SEC noted that its investigation uncovered employees at all levels of these firms who routinely used text messaging apps on their personal devices to discuss business matters between January 2018 and September 2021 [1]. The firms settled the charges and agreed to pay penalties totaling more than $1.1 billion. Just as important, the firms also agreed to engage independent compliance consultants to ensure the use of OCC meets regulatory standards as part of the settlements. In a related move [2], the Commodity Futures Trading Commission (CFTC) ordered 11 financial institutions to pay more than $710 million for recordkeeping and supervision failures for widespread use of unapproved communication methods such as personal texts, WhatsApp, and Signal. Additionally, the Financial Industry Regulatory Authority (FINRA) has also taken action when it comes to OCC. Antonio Rega, digital forensics, data governance, privacy, security, emerging technology, and discovery expert with J.S. Held, observes, “While the current administration has loosened certain regulatory enforcement near-term, we continue to observe requests from clients in supporting management of “off-channel” communications, with a particular focus on 3rd party chat messaging platforms on mobile devices, such as Whatsapp. These inquiries include supporting corporate stakeholders with internal auditing of their organizational platforms, policies and procedures.” By implementing effective processes and utilizing software and outside experts to monitor and detect OCC, broker-dealers, investment advisers, and other financial institutions can reduce the risk of regulatory enforcement and penalties and ensure that they remain in compliance with regulations. Steve Strombelline, regulatory and enterprise risk management expert with J.S. Held adds, “Although concerns typically impact broker-dealers, firms outside of financial sectors are looking closely at their messaging processes as well, which is advisable." In addition to guaranteeing that these communications are properly documented and retained, the regulations are set up to prevent the use of OCC to manipulate securities transactions or commit fraud and to ensure that it is not used to violate any other securities laws. Firms’ supervisory procedures must be reasonably designed to detect for OCC when they monitor for such activity. The following article discusses the risks that OCC pose for financial services firms, especially as the SEC, FINRA, and the CFTC have made it clear that they are now targeting firms throughout the industry about their OCC to see if they are recording and preserving business information according to regulations. The piece also explains how firms, including broker-dealers of all sizes, should manage their OCC to ensure that they and their employees comply with federal securities laws and regulations. Finally, the authors address the complexity related to the collection of OCC in response to regulatory enforcement investigative requests. As the fines and settlements between those firms and the SEC exemplify, financial services firms of all sizes need to take this regulatory focus seriously and take the proactive step of engaging an independent third-party with expertise and experience in both digital forensics and compliance issues. To read the full article and learn more about the risk of off-channel communications and how companies should manage their OCC to remain compliant, click on the button below: To connect with Antonio Rega simply click on his icon now. To arrange a conversation with Steve Strombelline or any other media inquiries - contact : Kristi L. Stathis, J.S. Held +1 786 833 4864 Kristi.Stathis@JSHeld.com References [1] https://www.sec.gov/news/press-release/2022-174 [2] https://www.cftc.gov/PressRoom/PressReleases/8599-22
