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Generative AI may help turn consumers into active collaborators and creators, study finds

In the advertising world, generative AI is transforming the way brands connect with consumers, turning audiences from passive viewers into active creators who can shape and personalize campaign content. A recent study in the International Journal of Advertising, conducted by researchers at the University of Florida’s College of Journalism and Communications, determined that by letting people use AI tools to create images that fit a brand’s style, companies can invite customers to take part in their campaigns. This hands-on approach makes consumers feel more empowered, which can lead to more positive feelings about the brand and a higher likelihood of buying its products. “I came across the Coca-Cola and Heinz campaigns and was amazed by how AI can be used to transform and empower consumers,” said Yang Feng, Ph.D., an associate professor in artificial intelligence in the UF Department of Advertising, who co-conducted the study with assistant professor Yuan Sun, Ph.D. “This inspired me to reach out to Yuan to explore a potential collaboration.” The project began in 2023 following the success of Coca-Cola’s “Create Real Magic” campaign and Heinz’s “AI Ketchup” campaign, both of which allowed customers to engage directly with the brands using generative AI. To test the effectiveness of these types of campaigns, Feng and Sun set up two surveys. The first was given to participants to evaluate their familiarity with generative AI tools and the ways participants used them. This survey illuminated three areas that users felt were enhanced by generative AI: collaboration, creation and communication, which Feng and Sun refer to as the 3C framework. For the second survey, Feng and Sun mocked up a website for Harbor Haven Coffee, a fictional coffee brand committed to sustainability and ethical coffee bean sourcing. “We wanted a company that resonated with as many people as possible,” Sun said. “One of the other goals of the first survey was to find what participants cared about most, which is how we came up with the brand’s eco-friendly mission.” Along with the company’s description and mission statement, a generative AI tool was added to the homepage, encouraging participants to utilize it to produce images using prompts that fell within the brand’s guidelines. While participants were free to put whatever they wanted into the prompt box, each participant got back the same pre-generated image in order to reduce confounding factors. Participants were then asked a final round of questions to get a sense of how participating in this campaign made them feel. Findings from the surveys showed that incorporating generative AI into advertising campaigns increased the chances of turning potential customers into empowered consumers, or individuals who actively participate in brand development rather than passively receive ad content. Feng and Sun found that the reasons behind this empowerment were tied to their 3C framework. First, the collaborative nature of these campaigns fosters a sense of agency in the advertising process. Second, the reciprocal nature of human-generative AI communications boosts consumer confidence by making people feel more in control. Finally, directly engaging consumers and facilitating their creativity through AI builds stronger consumer relationships and reinforces positive brand associations. “This sense of empowerment can be further strengthened with a user interface that facilitates seamless human-generative AI interaction, which is my specialty,” Sun said. “It should prioritize user-friendly features, clear instructions for prompting GenAI and intuitive navigation to enhance the user experience.” However, among the benefits, the researchers also found a potential downside that could limit the success of these kinds of campaigns in the future. “Once AI’s creation capacity surpasses a certain point, consumers may start to feel overwhelmed and no longer view the output as their own creation but rather as the work of the AI, which ultimately diminishes their sense of empowerment,” Feng said. To this end, Feng intends to continue researching the 3C framework. Generative AI could play a big role in advertising going forward, and she hopes to explore its interpretive power in new contexts.

Federal Budget 2025: What's In It for Canadian Seniors?

Let's be honest: the word "budget" probably makes you want to take a nap. Or pour a stiff drink. Maybe both. We spent decades pinching pennies, brown-bagging lunches, and watching every dollar so we could finally retire and stop thinking about money every waking minute. Now here I am, telling you to read about a government budget. I know. I'm sorry. But stick with me—I promise to make this as painless (and possibly entertaining) as possible. Why You Should Care About the 2025 Federal Budget (Even If You Really Don't Want To) Some of you hate talking about money. I get it. But here's the thing: information is power, and denial isn't just a river in Africa (give it a second to land)—it creates unnecessary ignorance and real missed opportunities to regain some control over your financial life. Plus, this budget affects your kids and grandkids too. So even if you're sitting pretty, the people you love might not be. The Economy Right Now: A Very Quick Explainer You've probably noticed everything costs more. A lot more. Welcome to inflation, courtesy of today's tariff-happy trade wars. (And if you want a deeper dive into how inflation affects more than just your wallet, check out my earlier piece: "Inflation: It's not just for prices anymore".) Here's the short version: When governments slap tariffs on imported goods (think: "You want to sell your stuff here? Pay up!"), Companies pass those costs directly to you at checkout. Your grocery bill goes up. Your heating costs rise. Even that new garden hose costs more because, apparently, everything comes from somewhere else now. So when you're living on a fixed income—CPP, OAS, maybe some RRIF withdrawals—and prices keep climbing while your income stays flat, that's a problem. A big one. Enter: the federal budget. It's basically Ottawa's financial to-do list: where they'll spend money, what they'll cut, and (theoretically) how they plan to make your life easier. Or at least less expensive. What's Actually In This Federal Budget Thing (The Good Parts Only) I've waded through the charts, jargon, and multi-billion-dollar announcements so you don't have to. Here's what matters to you: 1. Your House: Now it's a Potential ATM Remember when turning your basement into a rental suite sounded expensive and complicated? Ottawa heard you. The Secondary Suite Loan Program is expanded: Borrow up to $80,000 at 2% interest (15-year term) to build a basement apartment, garden suite, or in-law unit.  The refinancing rules are also relaxed: You can now refinance up to 90% of your home's post-renovation value to fund these projects. Translation: You can turn unused space into monthly rental income, house a caregiver, or create a spot for family—all while boosting your property value. It's like your house went to entrepreneurship school. For more on Additional Dwelling Units (ADUs), check out this post. 2. Slightly Less Painful Tax Season Ottawa is cutting the base federal tax rate for modest-income earners and cancelling the consumer carbon price on heating fuels. Translation: If you're still working part-time or living on CPP + OAS + RRIF withdrawals, expect slightly lower deductions and cheaper heating bills starting this winter. We're talking maybe $30–$50 more per month—not a windfall, but enough to buy groceries without wincing at the checkout. 3. Health Care: Maybe, Possibly, Getting Better The budget includes more money for provinces to spend on health care and long-term care reform. The goal? Shorter wait times and expanded home-care programs. Translation: The government says they're helping seniors age at home with dignity. Whether that actually happens depends on your province not blowing the money on consultants and photo ops. Keep your eyes on provincial announcements for new or expanded home-care subsidies. 4. Your Savings: Slightly Less Likely to Evaporate Budget 2025 confirmed Canada has the lowest debt-to-GDP ratio in the G7. They're also cracking down on bank fraud and scams targeting seniors. Translation: Lower national debt helps keep interest rates and inflation under control, protecting the real value of your fixed income. And Ottawa is finally recognizing that scammers love targeting retirees. (If you haven't already, read my piece on The Rise in Grandparent Scams—it's eye-opening.) About time. Watch for my upcoming article on a recent senior scam making the rounds—and my assessment of how banks can do much more to protect seniors.  5. $60 Billion in "Savings" (Don't Panic) You'll hear politicians bragging about cutting $60 billion. Before you worry they're gutting CPP or OAS, relax. They're trimming their own bureaucracy—less middle management, more digital tools, fewer wasteful meetings about meetings. Translation: They're supposedly spending less on themselves so they can spend more on things that matter—like housing, health care, and infrastructure. Whether they actually pull this off remains to be seen, but at least they're talking about it. So What Does All This Actually Mean? Look, I won't pretend this budget is a game-changer. It's not. But it does offer a few smart moves if you're willing to act. And let's remember: this is Carney's first budget. Changing financial policy and spending priorities takes time—and some patience on our part. Rome wasn't built in a day, and neither is a functional federal budget that actually helps everyday Canadians. Review your home equity. Could an ADU loan help you age in place and generate income? Audit your expenses annually. Cutting $100/month in spending equals roughly $1,500 in pre-tax income. That's real money. Stay vigilant against scams. Government protection is nice, but it starts with you not clicking sketchy emails and text messages. Ask about tax credits. Low-income seniors may qualify for increased refundable credits under provincial top-ups this year. This isn't a flashy budget. There are no big checks in the mail. But it does signal a shift toward pragmatism: help Canadians stay housed, healthy, and financially secure while Ottawa tightens its own belt. For Canadians 55+, that means: Slightly lower everyday costs More options to create income from your home Continued investment in health and home care A more stable economy to protect your savings Progress? Maybe. One cautious, bureaucratic step at a time. Your Next Move Take 30 minutes this week to think through how these programs could fit into your life. Could an ADU loan make aging in place possible? Could refinancing free up cash flow? Small adjustments now = big peace of mind later. And that's what being hit, fit, and financially free is all about. And hey—you just read an entire article about a government budget. Voluntarily. That deserves recognition. Go ahead, brag about it. You've earned it. Now go enjoy your retirement. You've definitely earned that too. Sue Don’t Retire…Re-Wire!!!

American Nuclear Society names Lane Carasik, Ph.D., as one of its “40 Under 40”

Recognized as an emerging leader in the nuclear science and engineering field, Lane Carasik, Ph.D., assistant professor in the Department of Mechanical and Nuclear Engineering, was recently acknowledged by the American Nuclear Society as one of its top “40 Under 40.” “It is a huge honor to receive this acknowledgement from my professional community,” said Carasik. “I feel it is a reflection of the amazing nuclear engineering activities I’ve gotten the opportunity to pursue before and during my time at the VCU College of Engineering.” The list, featured in the most recent issue of Nuclear News magazine, celebrates young professionals who are driving innovation and shaping the future of nuclear science and technology. Created to spotlight a new generation of nuclear professionals, the “40 Under 40” program highlights those who are advancing technical fields, from advanced reactor deployment to AI applications and national security, while actively engaging the public, mentoring peers and advocating for nuclear’s role to achieve energy independence and security. “Dr. Carasik’s research efforts, together with his support for students and their own research goals, exemplifies the best qualities of the VCU College of Engineering,” said Arvind Agarwal, Ph.D., chair of the Department of Mechanical and Nuclear Engineering, “integrating research and teaching at the core of everything he does, from classroom and lab work to community outreach.” Carasik was selected for the “40 Under 40” from hundreds of candidates across the United States. Mentoring his first three Ph.D. graduates, Arturo Cabral, Connor Donlan and James Vulcanoff, is one of Carasik’s proudest achievements. He was also honored by the American Society of Mechanical Engineers (ASME) as a rising star in mechanical engineering in 2024 This builds off Carasik receiving the highly competitive and prestigious Department of Energy (DOE) Early Career Research Award ($875k split over five years) in 2023 to support his work on molten salt based fusion energy systems similar to Commonwealth Fusion Systems’ ARC technology. Carasik’s Fluids in Advanced Systems and Technology (FAST) research group, is a computational and experimental thermal hydraulics group focused on enabling the development of advanced energy systems and critical isotope production methods. Legendary physicist Enrico Fermi was an early inspiration to Carasik during his undergraduate studies. Fermi’s expertise mirrored Carasik’s interests, and the physicist’s impact on the field of nuclear engineering was motivating. As an established nuclear engineering faculty member, Carasik seeks to make a lasting impact on the field and the people in it. His ’s long-term goal is earning membership in the National Academies of Sciences, Engineering and Medicine.

From classrooms to communities: Rethinking civic engagement in K–12 education

When national headlines focus on school board battles and political polarization, James Bridgeforth, assistant professor of educational leadership at the University of Delaware, is focused on what’s possible instead: building a more inclusive, participatory model of democracy through public education. His research in UD's College of Education and Human Development explores how community voice, equity and local leadership intersect to shape education policy – and how school boards can serve as vital engines for rebuilding public trust in government. "Despite the often sensationalized stories of chaotic school board meetings and the influence of more national "culture war" issues, I still believe that it's possible for people from different backgrounds, experiences, and points of view to come together to figure out how to best serve the needs of all of our children." – Bridgeforth Bridgeforth’s work centers on education governance, policy and leadership, with particular attention to how racism and anti-Blackness manifest in schools and policymaking spaces. His scholarship highlights the importance of inclusive decision-making, arguing that effective education policy must be representative of the diverse communities it serves. He recently published the report "Navigating Democracy in Divided Times" with co-authors on this topic. As part of his work with the Getting Down to Facts III project at Stanford University, Bridgeforth collaborates with researchers studying how to improve California’s TK–12 system and inform the next governor’s education policy agenda. His work documents the complex realities faced by local school board members – often minimally paid community leaders navigating contentious public discourse, social media pressure and limited resources. He notes that this research can be applied to school boards around the country.  The next frontier: Youth civic engagement Over the next several years, Bridgeforth aims to deepen understanding of how schools can nurture young people’s civic skills and leadership capacity through participation in governance. One proposed project – "Strengthening Opportunities for Youth Civic Engagement and Student Voice in Educational Governance" – uses participatory action research to explore how student board member policies and engagement practices foster civic agency and democratic mindsets. This collaborative work brings together youth-led community organizations and education researchers to study how these experiences shape long-term civic behavior – from voting to public service. Why it matters Bridgeforth’s research arrives at a pivotal time for American democracy. As trust in public institutions erodes, local school boards remain one of the spaces where citizens can directly shape policy. His work points to a hopeful truth: democracy’s renewal may begin in classrooms, communities and the local school board meetings shaping them. For journalists covering education, race or civic engagement, Bridgeforth offers data-driven insight, lived experience and policy expertise – helping make sense of one of the most pressing questions of our time: How can we build systems that truly serve all students and communities? This work collectively demonstrates a number of promising opportunities to foster more inclusive, community-connected forms of governance, particularly in a time of eroding trust in government institutions." – Bridgeforth ABOUT JAMES BRIDGEFORTH Assistant Professor, College of Education and Human Development James Bridgeforth is an educator, researcher and policy advocate whose work focuses on community voice in education policy and the politics of educational leadership. His scholarship has appeared in top journals including Journal of School Leadership, Education Policy Analysis Archives, Educational Evaluation and Policy Analysis and Educational Administration Quarterly, and he has contributed to Education Week and The Washington Post. A recipient of the National Academy of Education/Spencer Foundation Dissertation Fellowship, Bridgeforth holds a Ph.D. in Urban Education Policy from the University of Southern California, an M.Ed. in Educational Administration and Policy from the University of Georgia, and a B.A. in Political Science and Sociology from Georgia College & State University. Expert available for: Interviews on K–12 school governance, education policy and democracy Commentary on community voice and equity in education decision-making Analysis of youth civic engagement and participatory leadership To contact Bridgeforth, email mediarelations@udel.edu.

In the news: Chronicle features University of Delaware's Career Center

At the University of Delaware, career-development officials believe in teaching students how networking exists all around them, in both curricular and co-curricular realms, by taking career readiness outside the Career Center and infusing networking principles and practices into academic courses, social activities and alumni events. UD's Career Center was highlighted in a recent Chronicle of Higher Education article for innovative and exemplary networking practices and teachings.  “If we get students to not think about networking as this static skill I have to build, and it’s more of a natural part of who I am, and it’s in my toolbox, it becomes less arduous, less scary, and easier to do," Rachel Coppola, UD’s Director of Life Design and Career Integration, said in the featured video.  Reporters wishing to speak to career experts can reach out to mediarelations@udel.edu.

MCG scientists investigate arthritis drug’s impact on Alzheimer’s disease

According to the Alzheimer’s Association, more than 7 million Americans are living with Alzheimer’s disease, and one in nine of those people is 65 or older. Although that number is expected to grow, researchers at the Medical College of Georgia at Augusta University are making progress on studies that could turn into life-saving treatments. Qin Wang, MD, PhD, professor in the Department of Neuroscience and Regenerative Medicine at MCG and Georgia Research Alliance Eminent Scholar in neuropharmacology, recently published a study titled “The PKCι‑β‑arrestin2 axis disrupts SORLA retrograde trafficking, driving its degradation and amyloid pathology in Alzheimer’s disease,” in Molecular Degeneration, a leading journal in neurodegeneration. In the study, Wang and her team explored how certain proteins and enzymes interact in the brains of Alzheimer’s patients. Key players include the SORL1 gene, the PKCι enzyme and proteins SORLA, β‑arrestin2 and amyloid. SORL1 encodes SORLA, which helps regulate amyloid. Amyloid can form plaque in the brain, contributing to Alzheimer’s. People with the disease often have lower SORLA levels, which amplifies plaque production. “The goal is to increase SORLA levels in patients with AD. If we can boost it up, that would be great,” Wang said. “But if you want to know how to boost it up, you have to know how it is degraded, so that’s what our work is about – we’re trying to understand how its stability is regulated.” Wang’s research team found that PKCι can add a phosphate group to SORLA, which helps SORLA interact with β‑arrestin2. The PKCι‑β‑arrestin2 axis leads to SORLA degradation, reducing its levels and allowing amyloid plaques to grow unchecked, thereby worsening the disease condition. They discovered this by using biochemical methods and a mass spectrometer managed by Wenbo Zhi, PhD, at the Proteomics and Mass Spectrometry core lab at AU. “We conducted biochemical studies and found that SORLA can be phosphorylated. We identified the phosphorylation site and the interacting enzymes,” Wang explained. “Using the mass spectrometer with PKCι, we saw increased phosphorylation of SORLA at certain sites. Preventing that could stop SORLA degradation.” That’s where a rheumatoid arthritis drug called auranofin comes into play. “While it is an arthritis drug, it can also inhibit the PKCι enzyme,” Wang explained. The team conducted tests using Alzheimer’s mouse models and human iPS cells developed into neurons. For the mouse models, they treated the mice with auranofin for eight weeks, resulting in decreased amyloid levels, reduced neuroinflammation and improved cognitive function. Similar results were seen in human cells with increased SORLA levels and decreased amyloid levels. “A good thing about this is, because this is an FDA-approved drug, it’s ready to be tested in Alzheimer’s patients,” Wang said. “People often worry about drug safety because of long-term use in chronic diseases like Alzheimer’s, but, in this case, existing safety data for chronic use gives a good starting point for testing in Alzheimer’s patients. “I hope a drug company can pick that up for a trial with Alzheimer’s patients because we are trying to translate our bench work all the way to the bedside for treatment,” she continued. The study wraps up a five-year National Institute on Aging grant, a collaborative effort between Wang’s lab and the Kai Jiao, MD, PhD, lab in AU’s Center of Biotechnology and Genomic Medicine. Wang’s team is also working on other grant-funded Alzheimer’s-related projects and hopes to continue making advancements toward finding a cure for this debilitating disease. “All of our projects share the goal of finding a better treatment,” Wang said. “Related to this project in particular, we want to know how the SORLA protein works in different types of brain cells, given the brain’s complexity. Then we can determine how to specifically target that protein to develop more effective therapies.” Qin Wang, MD, PhD, researches the neuropharmacology and signaling mechanisms underlying neurological and psychiatric disorders. If you're interested in learning more about her work or booking an interview,  simply click on her icon now to arrange a time to talk.

UF builds community resilience in Jacksonville’s Historic Eastside neighborhood

As the University of Florida continues to expand its presence in Jacksonville, Gators are undertaking sustainability projects to improve the city’s neighborhoods. Faculty and students in the College of Design, Construction and Planning’s Florida Institute for Built Environment Resilience (FIBER) have spent the past four years focusing on the role of housing design in community health resilience in Jacksonville’s Historic Eastside neighborhood, interviewing resident stakeholders and collaborating with citywide organizations that are helping to restore older homes. Findings from the UF research will be instrumental in informing future community planning and housing design decisions, potentially leading to more health-centered, sustainable neighborhoods. “Our research in Jacksonville focuses on how we can inform the development of community infrastructure that holistically supports human well-being across mental, emotional, and physical dimensions,” said Lisa Sundahl Platt, Ph.D., a FIBER research faculty member and an assistant professor of interior design at UF, who added that this holistic, health-centered approach is known as salutogenic design. “We are also actively collaborating with community organizations in Jacksonville and researchers from UF to explore improved strategies for designing and constructing community infrastructure that effectively responds to potential hazards.” A community-wide collaboration UF has conducted a pilot study over the past year on the Jacksonville-based Restore, Repair, and Resilience (R3) initiative that is underway in Historic Eastside – surveying residents about how the design quality of their housing and surrounding environments affects their overall well-being. This interdisciplinary project has brought together FIBER and members of the R3 Group – a coalition of organizations that includes the JEA utility company, LIFT JAX (committed to eradicating generational poverty), the Historic Eastside Community Development Corporation, the United Way of Northeast Florida, and Local Initiatives Support Corporation Jacksonville. FIBER-led research has received ongoing support from the Florida Resilient Cities grant, which is funded by the Jessie Ball duPont Fund. The scope of the R3 project is being scaled up through a U.S. Department of Energy grant awarded through JEA, which will allow for an expansion of home revitalization efforts in Eastside Jacksonville. FIBER’s ongoing housing and health community action research on these efforts will be supported through a grant from the LS3P Foundation. “Many residences we evaluated need help with improvements to housing energy efficiency, building ventilation, building shell structural integrity, and materiality,” Platt said. “For example, underperforming flooring material can create potential trip hazards for older adults. Deterioration in interior materials, caused by degrading components of the building envelope, can also lead to mold and mildew growth in interior environments, which can contribute to poor interior environmental quality issues and acute and chronic health conditions.” Respiratory health issues are often caused by material and ventilation design failures, which can affect people of all ages, especially vulnerable populations such as children and older adults. Oftentimes, interior designers see that the environmental risks that compromise human well-being are coming from both the outside and inside of the buildings. “As we continue to address priorities, our focus extends beyond energy and building efficiency to encompass comprehensive factors of built environment resilience that impact overall community health and well-being,” Platt said. “There's still significant progress to be made in the design of sustainable housing that supports community salutogenic health." Keeping residents safe and healthy UF research has continued to prove that interior resilience for living environments plays a vital role in people’s mental and physical health. “People spend roughly 90% of their time indoors, so it is important to understand the types of design conditions and materials that we’re putting into spaces and how they can affect the occupants of those living in said spaces,” said UF student Milena Rodriguez Mendez, who is one of Platt’s graduate research assistants. Students like Mendez are using qualitative and quantitative research methods to engage in collaborative community-led research that includes academics, for-profit organizations, nonprofits, citizen scientists, and neighborhood stakeholders. “I aim to center my work on social justice and equity, and I believe this initiative represents a meaningful step in that direction,” Mendez said. “Our focus is on the residents of this vibrant yet at-risk community.” FIBER researcher Jason von Meding added, “We want to know how future housing policies can address some future health concerns. We have a lot of youth in the community that are participating, which I think is important.” The FIBER housing and health team is actively pursuing additional funding to expand this research, in collaboration with UF Health Jacksonville’s Department of Community Engagement. “Our goal is to develop an open-source online platform that disseminates lessons learned and proof-of-concept findings on the impact of regenerative housing design on human and ecological health,” Platt said. “This resource will be valuable for other cities and neighborhoods facing similar challenges in housing quality, affordability, and accessibility.” Looking to know more about this project or connect with Lisa Platt? Simply click on her icon now to arrange an interview today.

Batty pathogens: Why do bats spread so many diseases?

Let’s face it — bats get a bad rap. Their links to disease outbreaks and their spooky association with vampires influence their notoriety. In reality, bats are truly remarkable. Bats support our agricultural industries as vital members of food webs. And, contrary to their portrayal in popular Halloween blockbusters, they are gentle and tidy creatures that groom themselves like cats. So why is it that when we hear of disease outbreaks, it always seems to be bats? According to University of Florida Emerging Pathogens Institute member Jim Wellehan, D.V.M., what sets bats apart isn’t black magic at all. But rather, it’s their long history of co-existing with viruses, the unique tradeoffs of flight and, perhaps most of all, a history of adapting to new pathogens. “(Infectious disease) has been the biggest factor in all of evolution,” said Wellehan, who is also a professor at the UF College of Veterinary Medicine. “People are always looking for an excuse (as to) why bats are magic, and the truth is bats have just been exposed to a lot of stuff and selected for those genes accordingly.” While humans are the most populous mammals on Earth, bats are a massive group of animals. Behind rodents, they represent the second-largest group of mammalian biodiversity, accounting for a whopping 20% of all mammal species. With over 1,400 species, it’s no surprise that pathogen diversity in bats is just as extensive and complex. Jim Wellehan's research focuses on comparative infectious disease, pathogen evolution, molecular diagnostics and pathogen discovery. View his profile here Bats, as we know them, have been on Earth for over 50 million years. This extensive period has given pathogens plenty of time to evolve alongside the winged mammals. Bats carry viruses like Ebola, Hendra virus, Nipah virus and SARS-CoV-2, which causes COVID-19. One factor that is important in this viral diversity is flight. Flight provides bats with many evolutionary advantages, such as predator evasion, access to new food sources and the ability to exploit diverse habitats. Flight also dramatically increases the chance of rapid pathogen transmission, as they can travel long distances and past many geographic barriers. Many species are highly social, which increases transmission rates as they live in close proximity and groom one another. “When I first learned about Darwin and evolution, ‘survival of the fittest,’ I assumed, meant ‘smartest and fastest and strongest,’ but if you look at our genomes, turns out that's wrong,” said Wellehan. “The genes that are selected for are mostly immune-related. The most important thing is to have enough genetic diversity in your population so that someone has immunity genes that are effective against the next pathogen that doesn't even exist yet. With their increased mixing and contact rates, bats have done this more often than most animals.” Generally, pathogens are most likely to cause disease when they first infect a new host species, as the susceptible animals have not yet developed the necessary defenses. Pathogens, along with their hosts, have no choice but to evolve to survive. With such a wide variety of species, it is not surprising that bats also carry a large proportion of mammal-associated viruses. This is not to say that bats are immune to all pathogens. As the most rapidly evolving factor in life, infectious disease is an incredibly dynamic part of medicine. Bats can get sick from lyssaviruses, including rabies. Additionally, white nose disease, a fungal infection that targets hibernating bats, has been a growing concern in the United States for the past decade. Though bat pathogens are a significant concern, habitat disturbance plays a larger role in bat population pathogen emergence, ultimately affecting humans as the dominoes fall. “Pathogen transmission to humans and conservation efforts go hand in hand,” Wellehan said. “When populations get under stress, that's when ecological balances get shifted, and zoonotic jumps occur. ... It turns out that if we think of ourselves as something separate from nature, it doesn't work so well.” So, while bats may embody the spirit of Halloween, their “magic” lies in evolution and resilience, shaped by millions of years of flying in the face of viruses, not spooky legends. Looking to know more? We can help. Jim Wellehan is available to speak with reporters about bats - simply click on his icon now to arrange an interview today.

Uniting chemistry and physics, UF Michelin Science Scholar Cesar Dominguez explores sustainable alternatives to plastics

Cesar Dominguez, a fourth-year chemistry and physics double major at the University of Florida, may be on track to finding alternatives to plastic that could benefit the planet. His impactful work has helped him earn the title of Michelin Science Scholar, and he is now one of a select group of undergraduates connecting scientific research to real-world challenges at Michelin – a global leader in materials science and sustainability. “There’s always this misconception that academic research is completely separate from industry research,” Dominguez said. “Michelin has shown me it’s all one science. You can push discovery forward in both spaces.” Dominguez embarked this fall on a two-semester program of faculty-mentored research, with a $2,000 student stipend and $500 in support funding for his faculty mentor, UF chemistry professor Austin Evans, Ph.D. The program also invites students to present their findings at a spring symposium and tour a Michelin facility in South Carolina. Austin Evans' research aims to control macromolecular structure at all length scales concurrently and deploy materials in the real world. View his profile here Dominguez is furthering his study of how to process ultra-high molecular weight polymers – materials he compares to the scale of “an entire city” rather than a football stadium, through powerful electric fields. By adjusting electrospinning techniques, Dominguez and his team examine how polymers form fibers with different thermal and mechanical properties. These findings could lead to stronger, more sustainable materials, including alternatives to plastics like the major pollutant polyethylene. “All my life, I’ve been told chemistry and physics are separate fields,” Dominguez said. “But I’ve learned they come together in really elegant ways. Being able to unite concepts from both gives me a deeper understanding of how things work.” Dominguez attributes much of his development as a researcher to his work with Evans, who he describes as incredibly supportive, always accessible, and consistently encouraging him to focus on precision and detail. Dominguez also sees UF’s resources as pivotal to his journey. “I feel like what makes the research I'm doing really exciting is the fact that this can only be done at the University of Florida, because we're working with materials that have been developed by scientists here, using equipment that we're very fortunate to have access to here,” Dominguez said. As he prepares to apply to graduate school in analytical chemistry, Dominguez said the Michelin program has expanded his view of what is possible after his degree. “I used to think research only happened in academia,” he said. “Now I know industry is just as vital. It’s opened my mind to different paths for my future.” For now, he offers one piece of advice to other students considering the program: “Do it for the love of the game. If you put passion into your work, everything else will follow.” For more information on the Michelin Science Scholars Program, click here: To learn more about the research happening at UF and to connect with Austin Evans - simply click his icon now to arrange an interview today.

Why Brokers Are Canada’s New Mortgage Rockstars

There’s a quiet revolution happening in Canadian mortgage lending—well, as “quiet” as anything can be when two-thirds of Canadians are shouting, “We’d rather deal with a broker than a bank!” According to the most recent Mortgage Professionals Canada (MPC) Consumer Survey, 67% of Canadians now say they’d rather work with a mortgage broker than a bank. Among those who already have? A whopping 81% would do it again. That’s not just a statistic. That’s a standing ovation. The Great Mortgage Broker Boom According to recent MPC data, broker market share reached 33% in 2024—a four-point increase in just two years. Nearly half of all borrowers now choose brokers. The message is clear: Canadians are tired of sales reps; they want advocates who speak human, not policy manual. And who can blame them? With 1.2 million mortgages renewing in 2025 and average payments increasing by $513 a month, people aren’t just rate-shopping anymore—they’re seeking guidance, reassurance, and maybe a bit of hope. Let’s face it: they want their cake and still be able to heat their home too. Why This Matters—Especially for Seniors I work with Canadians aged 55+ every day, and about three-quarters of them are homeowners. They’ve done everything right: worked hard, paid off debt, raised families, and built wealth through their homes. But now, many feel… trapped by them. Here’s the reality: Mortgage renewals are costing hundreds more monthly (some facing 15–20% jumps) Inflation is eating into fixed incomes; and downsizing, aging in place, or tapping into home equity all feel like high-stakes decisions. Almost 80% of Canadians over 55 say their savings and pensions aren’t enough. (Source: Home Equity Bank Ipsos Survey) According to this same survey, half of respondents believe home equity is crucial for retirement—yet 76% feel pressured to downsize even if they’d rather not trade their garden for a balcony (or their favourite hairdresser for whoever’s closest to the condo). What they don’t need: A one-size-fits-all sales pitch from someone who thinks “retirement” means early-bird specials and Sudoku marathons. What they do need: A mortgage broker who listens, educates, compares options, and helps them sleep at night—not just sign on the dotted line. The Missing Link: Transactional vs. Conversion Sales Traditional mortgages are what we call commodities, sold using a transactional method. In this approach, the need is obvious—the customer wants a mortgage—and the focus is on competing for the best price and terms. It’s fast, efficient, and, let’s be honest, a little impersonal. It’s the classic hammer-and-nail approach: every client looks like a nail, and the broker just keeps swinging rates and terms until something sticks. That may work for a first-time buyer chasing the cheapest five-year fix—but for seniors? It’s about as effective as putting a Band-Aid on a broken arm. The 55+ demographic doesn’t want a hammer. They want a conversation. They want to understand how to stretch their pension income, cover rising expenses, and prepare for life’s curveballs—like healthcare costs or home repairs—without feeling like they’re going backwards financially. That’s why this is not a transactional sale; it’s a conversion sale. A transactional sale happens when someone already wants what you’re selling—you’re just facilitating the purchase. A conversion sale, however, is when the client doesn’t yet believe they need or want what you’re offering. You’re not closing a deal; you’re changing a mindset. And that’s the secret sauce for brokers working with older Canadians. You’re not selling debt—you’re offering financial flexibility. You’re helping people reframe home equity from a “last resort” into a retirement resource. How Brokers Can Shift the Conversation Lead with empathy, not economics. Ask about life goals, not loan size. Do they want to age in place, help kids, or reduce financial stress? Start with why, then move to how. Rebrand the conversation. Words matter. “Mortgage” can feel like failure. Try “home-equity strategy” or “retirement cash-flow plan.” You’re not adding debt—you’re unlocking options. Talk cash flow, not contracts. Focus on income versus expenses, inflation resilience, and emergencies. Discuss how home equity can supplement pensions, create predictable, guaranteed income (like our parents had), and—most importantly—boost that all-important sleep score. Include the family. Adult children often play a major role. Involve them early—these are emotional, multi-generational conversations, not just financial ones. Educate, don’t sell. Show examples, calculators, and real-life case studies. Transparency earns trust—and trust is the true currency in a conversion sale. When brokers shift from “rate pitching” to “retirement planning,” they go from hammer-swingers to problem-solvers—and that’s where the real magic (and business growth) happens. What Mortgage Brokers Bring to the Table The broker market is projected to grow at a 5% CAGR through 2030, driven by consumers demanding personalization over cookie-cutter lending. And the reverse-mortgage space just got a serious glow-up. Home Trust Bank has just entered the market, announcing its new Equity Access Reverse Mortgage product at this week's Mortgage Professionals Conference in Ottawa. That brings the total to four active lenders in Canada’s reverse-mortgage space: HomeEquity Bank, Equitable Bank, Home Trust Bank, and Bloom Finance Company. More lenders mean more credibility—or, as I like to call it, street cred for seniors. The kind that lets retirees walk down the street (or the fairway) with a little swagger, knowing their financial toolkit has options. With more players in the mix comes more choice, sharper pricing, and—most importantly—a sense that reverse mortgage products have finally crossed over from “fringe” to financially fashionable.  Reverse mortgages are no longer the “we-don’t-talk-about-that” cousin at the financial family dinner—they’re sitting proudly at the adult table. The product is being normalized—treated as the legitimate, strategic retirement tool it has always been. So, brokers—be honest. Isn’t it time you caught up to the trend? Reverse mortgages have gone from taboo to totally credible. And if your clients still say, “We’re just not reverse-mortgage people,” that’s your cue to help them unpack that posture of financial marginalization. Because what they often mean is, “We don’t want to feel old, desperate, or dependent.” That’s not who they are—and that’s not what this product is. It’s not about retreating; it’s about reframing. Helping them see home equity as strength, not surrender. Because empowering clients to live comfortably, confidently, and cash-flow secure isn’t just good business—it’s the kind of advocacy that gives everyone involved a little swagger. Older Canadians Need Advocates—Not Just Advisors As a spokesperson for this group, I urge brokers to master Equity Literacy—the ability to explain complex tools like reverse mortgages and HELOCs in plain language. It’s about helping retirees access equity wisely, preserve benefits, and create peace of mind. Canadian reverse-mortgage debt reached $8.2 billion in mid-2024—an 18.3% year-over-year increase. (Source: Office of the Superintendent of Financial Institutions - OSFI). Canadians are catching on: their house can help them, not haunt them (could not resist the Halloween joke). Help seniors understand the range of uses for Reverse Mortgages like paying off high-interest debt, helping family through early inheritance or gifting, and supplementing retirement income to maintain independence. And here’s where brokers can really shine—by guiding family conversations about inheritance, housing, and aging in place. According to CMHC’s 2025 Mortgage Consumer Survey, 41% of first-time buyers used a gift or inheritance to cover mortgage costs.  That's up from 30% the year before. Those gifts averaged nearly $80,000. The Bank of Mom & Dad just got promoted to Wealth Management HQ. To the Canadian mortgage broker industry You’re not just in the mortgage business—you’re in the dignity business. You help Canadians stay in their homes, reduce stress, and live comfortably in retirement. With home sales slowing and fewer purchase deals, this is your moment. Building expertise in the 55+ market isn’t just good karma—it’s good business. How to start: educate your database about equity-release benefits and tax-free cash flow; host workshops on “Aging in Place with Equity”; partner with financial planners, lawyers, healthcare providers—and yes, Realtors—to build a holistic approach to retirement housing. Involve adult children in every conversation; they’re tomorrow’s clients. The data says Canadians need you more than ever. And I’ll say it louder: so do I. Let’s make retirement planning better, smarter, and more human—one conversation at a time. So here’s the truth: the 55+ crowd doesn’t need rescuing—they need respect. They’re not clinging to the past; they’re funding their future. They don’t want pity; they want power—and they’ve earned it. This generation built Canada’s equity base—literally—and now it’s time they get to use it wisely, proudly, and on their own terms. Whether that means a new roof, a family gift, or finally taking that long-postponed trip to Italy, it’s not about borrowing money—it’s about buying freedom. So, brokers, financial pros, and anyone guiding retirees—remember: your role isn’t to sell products. It’s to spark possibilities. To help older Canadians move from fear to freedom, from “we’re not those people” to “why didn’t we do this sooner?” Because the real revolution in retirement isn’t about rates or renewals. It’s about reclaiming confidence, creating financially viable futures, and knowing you’ve made a real difference—something your clients will remember long after the ink dries. Trust me, that’s far more gratifying than handing out a 4.99% five-year fixed. I want to know what you think.  Send me your feedback.  Want more insights like this? Subscribe to my free newsletter here, where I share practical strategies, real-world stories, and straight talk about navigating retirement with confidence—not confusion. Plus, all subscribers get exclusive early access to advance chapters from my upcoming book. For Canadians 55+: Get actionable advice on making your home equity work for you, understanding your options, and living retirement on your terms. For Mortgage Brokers and Financial Professionals: Learn how to become the trusted advisor your 55+ clients desperately need (and will refer to everyone they know). This isn't just another revenue stream—it's your opportunity to build lasting relationships in Canada's fastest-growing demographic. Sue Don’t Retire…Re-Wire!