This Type of Breast Cancer is on the Rise. Have You Heard of It?

2026-10-22T08:15:00

(BPT) – From national sports events to local fundraisers, breast cancer seems to be discussed everywhere. But despite all the conversations around breast cancer, most Americans are not talking about, and have never even heard of, a type of breast cancer that is on the rise.

Accounting for up to 15% of all breast cancer diagnoses, lobular breast cancer is the second most common type of breast cancer, around 50,000 cases a year in the U.S. — but its prevalence has not guaranteed its visibility. Awareness of lobular breast cancer remains disproportionately low among American adults, 4 out of 5 of which have never heard of the disease. And despite having an annual incidence that averages higher for women than brain, kidney, liver, pancreatic or ovarian cancer, a lobular breast cancer diagnosis is foreign to nearly 50% of people personally diagnosed with breast cancer.

This Breast Cancer Awareness Month, it is important to make yourself aware of all types of breast cancer, including lobular breast cancer.

Four key things to know about lobular breast cancer:

  • The tumors don’t usually form as lumps: Lobular breast cancer, also known as invasive lobular carcinoma (ILC), can have symptoms other than a lump. The cancer cells grow in single-file lines or sheets through the breast tissue rather than forming a distinct, dense lump.
  • Detection can be more challenging: Because of the way it presents itself ILC can be less conspicuous on mammography and harder to detect by self-exam. This often means that many patients find their lobular breast cancer undetectable until a biopsy confirms the diagnosis.
  • Metastatic lobular breast cancer is hard to monitor and treat: Because lobular breast cancer is hard to image, it makes monitoring metastatic lesions and whether they respond to treatment nearly impossible. It is hard to know when to switch a metastatic lobular breast cancer patient to a new line of treatment to stop tumor growth and sadly, for this same reason, metastatic lobular breast cancer patients are often excluded from clinical trials of new drugs.
  • ILC incidences are increasing three times faster across all demographics than any other breast cancer type.

“Unfortunately, despite how relatively common lobular breast cancer is, it has historically been overlooked by research and has no specific treatments,” says Dr. Rebecca Shatsky, Professor of Clinical Medicine, UC San Diego Health, Breast medical oncology team leader at Moores Cancer Center and Chair, Lobular Breast Cancer Alliance Scientific Advisory Board.

But, as Lobular Breast Cancer Alliance Executive Director and 8-year ILC survivor Laurie Hutcheson says, “Lobular breast cancer is not rare, has troubling and unique characteristics that are quite different from the more common breast cancer types and urgently needs attention. There are more and more women diagnosed with ILC every day wondering why even now so little is known about lobular breast cancer and when this will change. More attention and research into ILC is critical to changing this narrative and the lives of lobular breast cancer patients everywhere.”

To learn more about lobular breast cancer, the only lobular-breast-cancer-focused patient advocacy organization in the country, visit Lobular Breast Cancer Alliance.

A science-backed guide to better sleep

2026-10-22T10:01:00

(BPT) – Key takeaways

  • Your daily habits, routines and environmental cues make up your sleep ecosystem, affecting how you fall asleep and stay asleep.
  • Melatonin, which helps signal to your brain that it’s time to wind down, is important to that ecosystem.
  • Better sleep is one of the strongest investments you can make in your health and well-being.

Americans are increasingly focused on optimizing their health, from tracking activity and recovery to managing weight and nutrition. Sleep is the foundation of overall health, supporting mental and physical well-being and reinforcing healthy lifestyle habits.

According to the Centers for Disease Control and Prevention (CDC), more than 30% of U.S. adults regularly get less than the recommended seven to nine hours of sleep each night.1

Dr. Stephanie Stahl, medical director at Indiana University Health, notes that many people still treat sleep as something they’ll fit in if there’s time. Stahl is the Sleep Medicine Fellowship Program director and associate professor at Indiana University School of Medicine as well as a member of the Natrol® Sleep Science Advisory Board.

“Many people think of sleep as the first thing they can sacrifice when life gets busy. But sleep isn’t a luxury. It’s one of the most powerful tools we have to support our health, mental well-being and daily performance.”

But in today’s always-on world, packed schedules, constant notifications and late-night scrolling can all work against the body’s natural sleep-wake cycle. In fact, 38% of adults say using their phone or tablet before bed to read the news or “doomscroll” makes their sleep somewhat or significantly worse.2

What is keeping you awake?

“One of the biggest misconceptions I hear is that sleep starts when your head hits the pillow,” said Stahl. “The truth is that your body has been preparing for sleep all day. Your light exposure, activity, meals, stress and evening routine all influence how prepared your brain and body are for sleep.”

She describes this as your sleep ecosystem — the daily habits, routines and environmental cues that work together to influence your body’s natural sleep-wake cycle. One of the most important players in that ecosystem is melatonin, a hormone your body naturally produces in response to darkness. Rather than forcing sleep, melatonin helps signal to your brain that it’s time to wind down.

Stahl debunks three common sleep myths:

Myth 1: Better sleep starts at bedtime.

Stahl: “Great sleep starts the moment you wake up. Morning sunlight helps regulate your body’s internal clock and supports natural melatonin production later that evening.”

Myth 2: I’ll catch up on sleep this weekend.

Stahl: “Consistency may be just as important as sleep duration. Keeping a regular sleep and wake schedule (yes, even on weekends) helps reinforce your body’s natural rhythm.”

Myth 3: The eight hours you’re asleep are all that matter.

Stahl: “The hour before bed matters, too. A consistent wind-down routine, and dimming the lights and avoiding screen time help prepare your brain and body for quality sleep.”

How can small changes in habits aid in falling asleep and staying asleep?

Improving sleep doesn’t require overhauling your lifestyle. Stahl recommends focusing on a few consistent habits: Get outside for natural light early in the day, stay physically active, avoid caffeine in the afternoon and evening, maintain a regular sleep schedule and create a cool, dark, quiet sleep environment.

Melatonin has been studied and widely used for more than 30 years, and research across a range of doses and durations of use supports its role as a safe, effective and non-habit-forming option for temporary sleep support when taken as directed.

Dr. Stephanie Stahl

Beyond healthy habits: How to get extra sleep support from supplements

Healthy sleep habits are the foundation of better sleep, but even the best routines can’t account for everything. Travel, shift work, changing schedules, stress and age-related changes can all temporarily disrupt your body’s natural rhythm.

It’s one reason more than 27% of U.S. adults report using melatonin supplements, making it one of the country’s most commonly used sleep supplements.3 Melatonin is a well-studied naturally occurring hormone that plays a key role in regulating the sleep-wake cycle.

“One myth I hear is that we don’t know enough about the safety of melatonin supplements,” said Stahl. “In reality, melatonin has been studied and widely used for more than 30 years, and research across a range of doses and durations of use supports its role as a safe, effective and non-habit-forming option for temporary sleep support when taken as directed.”

Melatonin is also the No. 1 doctor-recommended ingredient for sleep4 and is recognized by experts as a reliable way to help people fall asleep faster and stay asleep longer.*

Because sleep challenges vary from person to person, some people may also benefit from ingredients such as magnesium glycinate, valerian root, GABA or L-theanine depending on their individual needs. Guided by leading sleep experts, including Stahl, Natrol develops science-backed sleep solutions designed to complement healthy sleep habits and support different sleep needs.

The benefits of prioritizing sleep extend well beyond feeling rested — 88% of adults who are satisfied with their sleep report they are flourishing, compared with just 47% of those who aren’t.5 Better sleep isn’t just another wellness goal. It’s one of the strongest investments you can make in your overall health and well-being.

* These statements have not been evaluated by the Food and Drug Administration. These products are not intended to diagnose, treat, cure or prevent any disease.

SOURCES:

  1. Centers for Disease Control and Prevention. Short Sleep Duration Among Adults. National Center for Health Statistics, U.S. Department of Health and Human Services, 2025, https://www.cdc.gov/nchs/products/databriefs/db559.htm. Accessed 26 June 2026.
  2. American Academy of Sleep Medicine. “Americans Are Doomscrolling at Bedtime, Prioritizing Screen Time Over Sleep.” American Academy of Sleep Medicine, 2025, https://aasm.org/americans-are-doomscrolling-at-bedtime-prioritizing-screen-time-over-sleep/. Accessed 26 June 2026.
  3. Sleep Foundation.org survey. October 2022. https://www.sleepfoundation.org/sleep-news/how-much-melatonin-do-adults-really-take.
  4. Based on a 2026 survey of doctors who recommend drug-free sleep support products.
  5. National Sleep Foundation. Sleep in America® 2025 Report. National Sleep Foundation, March 2025.

Beyond the mirror: Two generations, one shared experience with alopecia areata

2026-10-22T06:01:00

(BPT) – Arron Johnson, of Union, New Jersey, was a teenager when alopecia areata began changing how he saw himself and moved through the world.

Thirty years later, 18-year-old Liam Simmons, of Waxhaw, North Carolina, is preparing for college with the same autoimmune disease.

They are two Black men from different generations, connected by an experience that reaches far beyond visible hair loss.

For Johnson, it began with a trip to the barber. He came home and noticed a bald spot, initially thinking his barber had clipped him. But the hair loss continued. What he couldn’t see was what was happening beneath the surface.

Alopecia areata is an autoimmune disease in which the immune system attacks hair follicles. Approximately 700,000 Americans have some form of the disease, according to a 2020 study published in Clinical, Cosmetic and Investigational Dermatology. For Johnson, it progressed to alopecia universalis, resulting in the loss of all his hair.

The impact went much deeper than appearance.

“I didn’t like who I saw in the mirror,” Johnson says. “Everyone in my family looked a certain way, and I was the person who looked different.”

He began hiding beneath hats and du-rags, missing weddings, staying out of pools and pulling back from parties.

Years later, Johnson realized during his commute to work that he had forgotten his du-rag. He could turn around or keep going.

“I had a choice to return and go back to hiding, or I had a choice to live authentically as myself,” he says. “I chose to live authentically regardless of the insecurities I faced.”

Today, Johnson is an author, coach, father and advocate passionate about increasing representation of Black men living with alopecia areata.

Simmons’ experience is different.

Liam was diagnosed with alopecia at age two.  Learn more at naaf.org/beyond-the-mirror

Diagnosed at age 2, alopecia has been part of his life for almost as long as he can remember. As a teenager, he became more aware of comments, stares and the ways hair could shape belonging.

“As a Black man, hair is such a big part of identity,” Simmons says. A lifelong basketball player, he sometimes feels disconnected when friends, teammates and his brothers talk about hairstyles. “It’s something I want to be part of.”

Now Simmons is preparing to study political science in college, with plans to pursue law. Starting over socially on a large campus brings a new challenge.

“There’s a part of me that’s analyzing everybody and trying to figure out who’s looking at me and who’s not,” he says.

Their experiences show why alopecia areata should not be dismissed as cosmetic. Hair loss may be its most visible sign, but the disease can affect identity, confidence, relationships, school, work and daily life.

Their stories are part of Beyond the Mirror, a National Alopecia Areata Foundation® (NAAF®) campaign bringing together lived experience and scientific evidence to reveal the full burden of alopecia areata.

“Beyond the Mirror to me is about looking at yourself and not just seeing your physical appearance, but seeing the relationships and the past experiences and all these key defining moments that make you who you are,” Simmons says.

Johnson can now look back at the teenager who once hid from the world. Simmons, at 18, is looking forward.

The road ahead will be his own. But he is beginning it in a world where people like Johnson have chosen to be visible, speak openly and make the path a little less lonely for whoever comes next.

Learn more at naaf.org/beyond-the-mirror and join the conversation using #MoreThanHairLoss.

Little girl sitting at a table with a woman. Learn more at naaf.org/beyond-the-mirror

Where You Live Shouldn’t Limit Your Cancer Care

2026-10-20T15:01:00

(BPT) – Key takeaways:

  • Radioligand therapy (RLT) delivers targeted treatment directly to cancer cells
  • The number of RLT treatment sites has expanded about sevenfold in the U.S.
  • Common questions about RLT treatment answered

A cancer diagnosis used to mean choosing between the latest treatment and receiving care close to home. That’s starting to change with radioligand therapy (RLT), a treatment that pairs a cancer-seeking molecule with a radioactive particle to deliver targeted treatment directly to cancer cells. RLT is now a mainstream treatment included in NCCN guidelines and no longer limited to academic centers or late-stage therapy, with treatment sites within 30 miles for 90% of eligible patients.1,2

“Radioligand therapy works like a tracking dog following a scent. We attach a radioactive particle to a molecule trained to recognize one specific target: a marker found predominantly on certain cancer cells,” said Dr Nabila Lehachi Waheed, DABR, Medical Director, Radiation Oncologist at the Center for Cancer and Blood Disorders in Fort Worth, Texas, a partner of OneOncology community oncology network. “Once it’s in the bloodstream, the molecule follows that target straight to the cancer cells and marks the spot, releasing radiation while limiting the impact on healthy cells nearby.”

Answering patients’ biggest questions about RLT

Waheed said eligible patients tend to ask the same three questions when they first learn about RLT: Will it work for me? Is it safe? What will my life look like during and after treatment?

“They ask how the treatment finds the cancer cells, how much radiation exposure they and their families will face, and how it will affect their day-to-day life—things like fatigue, nausea, and blood counts,” she said.

Many of the answers come back to how precisely the treatment works. RLT is designed to find a specific marker on cancer cells and deliver radiation directly to them. This approach may help limit damage to nearby healthy tissue, although side effects can still occur. Patients and caregivers should ask the care team if they are eligible, what to expect, including possible side effects, safety steps at home, and who to contact with questions.

Waheed walks through each question with patients before they commit to treatment—a level of detail she said matters as much as the science itself.

Advanced RLT treatment, closer to home

Novartis brought the first RLT to market in 2018. Since then, nearly 50,000 patients have been treated, and the number of RLT treatment sites in the U.S. has grown roughly sevenfold—expanding access to patients who need it most.3

Providing this treatment in a community setting means eligible patients have the option to receive advanced, personalized cancer care close to home. It can be woven into a broader treatment plan that includes surgery, systemic therapy, and external radiation, all coordinated in one place.

That matters to Waheed and drove her to become the first physician in Tarrant County to offer RLT to her patients.

“Where you live shouldn’t determine the quality of cancer care you receive,” Waheed said. “These treatments let patients benefit from options personalized to the biology of their cancer without leaving their families and support systems behind. Innovation only matters if patients can access it.”

As RLT continues to expand beyond academic centers and is researched for use in more types of cancer, Waheed sees it as part of a broader shift—one that keeps patients closer to the treatment they need and the people who support them through it.

Dr Nabila Lehachi Waheed has served as a paid consultant to Novartis. This article was developed and sponsored by Novartis.

References

  1. Data on file. Patient location. Novartis Pharmaceuticals Corp; 2025.
  2. Data on file. Pluvicto desert analysis. Novartis Pharmaceuticals Corp; 2025.
  3. Data on file. Pluvicto and Lutathera site opening summary. Novartis Pharmaceuticals Corp; 2026.
10/26 FA-11785487

The growing economic concerns of working-class Latinos

2026-10-21T04:01:00

(BPT) – By Janet Murguía, President and CEO, UnidosUS

Work hard and you can get ahead. For the many working-class Latinos who work long hours, often at more than one job, and stretch every dollar, that no longer rings true. Nearly seven in 10 told us in a new UnidosUS survey of working-class Hispanic adults that they are falling further behind. The ladder of upward mobility is broken.

With a new legislative session ahead, lawmakers have an opportunity to act on these findings.

As we learned from the UnidosUS Economic Prosperity Agenda, the message from Latinos is practical, urgent and rooted in their everyday experiences. Forty percent of working-class Latinos say their economic situation has gotten worse in the past year. Seventy percent currently struggle to afford gas and more than 60% struggle to pay utility bills or buy groceries. The basics are harder to afford, resulting in growing economic insecurity. These solutions will require action from Congress to take effect.

That pressure is compounded by a mass deportation agenda that has resulted in a two-for-one economic and humanitarian crisis. Forty-four percent of working-class Latinos report that immigration enforcement has negatively affected their household finances, and nearly 1 in 5 say it has increased their household expenses. Among Hispanic small-business owners, 60% say immigration enforcement has hurt their business, often through lost customers and workforce disruptions.

Workers of LaMachca Kitchen at an event.

Latinos surveyed want to see a demonstrated commitment by our political leaders to address the economic concerns that all working-class families face every day, and they support concrete solutions: 77% back raising the federal minimum wage to $25 an hour, 80% support universal public child care and early childhood education, and 83% support federal funding to lower monthly energy bills.

With the midterms just weeks away, 58% of working-class Latinos say no party, campaign or organization has asked for their vote. As the head of the nation’s largest Latino civil rights and advocacy organization, my message to candidates is simple: if you want Latino support, earn it consistently, not just in the final weeks of a campaign but while in office, too.

Long-term legislation from Congress would help provide stability for working families and the economy. Working-class Latino families are asking for the opportunity of the American Dream, and their concerns are shared by millions of working-class Americans. What is needed now is the political will to listen and deliver.

Why enterprise contract data is failing AI

2026-10-20T03:33:00

(BPT) – Key takeaways:

  • Enterprises are rapidly adopting AI agents for contract management. But when contract data lacks context, the answers AI produces can be difficult to trust.
  • Contract data is often fragmented and disconnected from the commercial context teams need to make decisions. This creates contract blindness.
  • Agents can deliver quickly, but incomplete contract knowledge can produce fast, confident and costly mistakes. The answer is contract awareness: connecting contract data with the context behind it so teams and AI can have relevant context.
  • Contract-aware enterprises don’t start from zero. They use the learnings, negotiations and commitments buried in the contract history to act with the right commercial context during the decisions that matter.
  • To learn more about what it takes to become a contract-aware enterprise, visit https://www.sirion.ai/library/reports/contract-aware-enterprise/.

Enterprises are racing to integrate AI agents into their contract processes, with 42% of organizations already actively adopting or implementing AI within contracting processes.* However, in many organizations, contract data is scattered, incomplete and disconnected from the business context that gives it meaning. The information exists, but it isn’t always available to the teams that need it to make decisions. Imagine a major supplier renewal is due tomorrow, and multiple departments need information as soon as possible. Procurement needs price adjustment information, legal needs contract terms, finance needs the budget and forecasting, and operations needs performance metrics.

The answers may all exist somewhere in the enterprise. The challenge is bringing that information together and understanding it in the context of the business relationship.

This condition is best recognized as contract blindness.

A contract-blind organization has the terms, obligations and leverage negotiated, but no person, system or AI agent can contextualize or reliably use them when decision time arrives. Over time, that gap translates into value leakage, slower decisions and weaker control over risk and performance. WorldCC highlights that poor contract management can cost an enterprise 9% of its annual revenue.

And the arrival of AI makes the problem harder to ignore.

Why contract blindness endures

Enterprises don’t necessarily lack contract data. They lack a connected view of it, because data is still siloed by function. Legal owns the language, procurement owns the supplier, finance sees spending and revenue, and business owners manage performance. In fact, contract data in a typical enterprise is often scattered across 24 systems.

Research highlights the scope of the fragmentation across global enterprises. Only 27% of organizations globally store all executed contracts exclusively in a contract lifecycle management (CLM) platform, with the majority operating in fragmented environments.*

And in any case, having a repository is not enough. Even with a CLM, contract data can remain fragmented and disconnected across systems, limiting data flow and deepening contract blindness. In fact, 54% of organizations report no automated data flow between systems and only 9% have bidirectional data flow where systems stay in sync.*

Disconnected data makes it harder for teams to bring together the information they need to make informed decisions. The emerging challenge is that same fragmentation can limit the context available to AI agents when they act. AI agents are designed to do more than retrieve information. They can review contracts, answer questions, recommend actions and initiate workflows. That makes the quality and context of the underlying contract data more important than ever, because AI will deliver the best outcome it can—based on the information it has access to.

Consider the supplier renewal.

An agent asked whether a supplier can raise its prices might find the relevant clause and confidently provide an answer. But what if an amendment changed the pricing mechanism? What if a negotiated exception applies to this supplier? What if the supplier agreed to a performance commitment in exchange for the increase?

The agent may have found the right clause. It may even have interpreted that clause correctly. But without the surrounding contract context, its answer could still lead the business in the wrong direction.

The problem isn’t that the AI cannot read the contract.

The problem is that it does not know what else it needs to read.

That distinction matters. AI can only create context from the information it can access. But when relevant contract data is fragmented across systems, an agent does not have enough information to understand the full commercial picture. An agent working from an incomplete contract record can produce an answer that sounds authoritative while missing the exception, obligation, negotiation or commercial condition that changes what the business should do.

The stakes change when AI moves from reading contracts to acting on them. The question is no longer whether AI can find the right clause, but whether it understands what that clause means for the business.

The goal is no longer just to find, summarize or draft contracts faster. It is to make the full story of a contract accessible, from its terms and obligations to the negotiations and relationships behind them.

How to turn contract data into usable knowledge

A contract-aware enterprise treats its agreements as a connected business asset rather than a collection of documents. By making contract data continuously accessible, contextual and actionable across the business, leaders can perform analyses, surface real-time insights, build high-leverage agreements and instantly answer commercial questions that were previously impossible to ask.

So, what does contract awareness look like in practice?

In the supplier-renewal scenario above, procurement can see the price adjustment alongside previous negotiations, legal can identify exceptions and fallback language, finance can forecast the monetary impact, and operations can compare service with actual performance. Each team works from the same connected contract knowledge, allowing the enterprise as a whole to make informed decisions with its obligations and leverage intact.

Each team is working from connected contract knowledge rather than an isolated piece of the agreement. The result is not simply better visibility. It is better decision-making.

Creating contract awareness requires more than adding AI to an existing repository.

An AI-native CLM can create a connected contract intelligence layer by structuring agreement data around counterparties, deals, obligations and other contract elements while preserving the relationships and context between them.

This new approach enables AI agents to act on what you need, not on what you click. By combining context and intent, an agent can answer questions like, “Which suppliers have price increases without corresponding service improvements?” and “Which obligations are at risk of being missed?” The result: A workflow that can move from question to insight to action without losing the commercial context.

Moving from contract knowledge to commercial action

The next phase of enterprise AI won’t be defined by access to powerful models. It will be defined by whether those models can act within the right business context.

By moving from contract blindness to contract awareness, enterprises can give both people and AI agents a more complete view of the agreements that shape their commercial relationships. To learn more about the contract-aware enterprise, visit https://www.sirion.ai/library/reports/contract-aware-enterprise/.

*Sirion and World Commerce & Contracting, “Trusted Contract Data: From Repository to System of Record,” 2026.

Your 2026 tax return just got easier: Here’s what’s coming this filing season

2026-10-20T15:31:01

(BPT) – Filing your taxes is never a top item on anyone’s fun to-do list, but it’s definitely a must, and can lead to a very welcome refund. The good news is, there’s a new service that can help make getting taxes done a lot easier, and without breaking the bank. Many are already familiar with Credit Karma, the personal finance platform from Intuit that helps users track their credit scores, but may not know about the recently launched Credit Karma Tax.

This new service is being offered at a simple, flat-rate pricing model to all members, no matter their tax complexity:

  • $0 for federal taxes
  • $15 for state filing*

With Credit Karma Tax, members get self-guided DIY tax filing, with real-time AI help to simplify the entire process, tackling much of the manual work that makes filing tedious and time-consuming. AI-powered tools support members every step of the way, giving them a head start by centralizing key financial data, optimizing tax outcomes, delivering refunds faster, and building long-term financial health long after they submit their taxes. It is designed to meet the shifting expectations of modern filers, particularly Gen Z and younger taxpayers making under $50K who want a reliable free DIY option regardless of tax complexity.

Unmatched speed and convenience

Credit Karma is already part of millions of consumers’ daily financial routines. Because the platform centralizes a member’s financial data, including income, credit, cash flow and taxes, all in one place, this gives Credit Karma members a head start. Filers can skip the manual data entry: simply snap a photo or automatically import forms directly from employers or financial institutions, including stock sales, plus financial and crypto transactions. Credit Karma Tax then uses this information to pre-fill the return.

Thanks to its comprehensive document checklist and gathering tools, Credit Karma Tax takes the guesswork out of filing. With no complexity restrictions, local gig workers, freelancers and small business contractors can take advantage of the free federal filing without unexpected upsells.

Financial progress and confidence

It’s natural to worry about filing correctly, and to wonder when that refund will show up. Now, from the instant members start the filing process to the moment the refund lands, Credit Karma Tax uses Intuit’s domain expertise, AI and platform technology to get members’ taxes done right and make that money work harder for them.

Credit Karma Tax provides:

Real-time help — Giving clear explanations of return outcomes and catching errors along the way, using built-in AI tools like its expert chat function and coming soon, Explanation and Error Agents. Credit Karma Tax runs thousands of accuracy checks before submission to ensure compliance with IRS and state requirements. All returns are backed by a 100% accuracy guarantee. If a calculation error causes an IRS or state penalty, Intuit covers the penalty and interest. Over the past 14 years, Intuit has helped Americans file more than 150 million tax returns for free, more than all other tax prep companies combined.

Assistance beyond filing — Tax refunds are often the single biggest financial event of the year for Americans. Credit Karma transforms that moment into year-round financial health through its suite of AI-powered financial tools:

  • The Refund Agent turns refunds into actionable plans to pay down debt, save or invest
  • The Debt Agent builds personalized paydown plans, saving members $200+ a month and
  • The Paycheck Agent allocates paychecks across bills, spending and goals.

Faster access to money — With 70% of Americans relying on tax refunds to cover basic living expenses, Credit Karma Tax can provide accelerated access to funds.

Up to 5 days early: Access 2026 federal tax refunds up to 5 days early for free with deposit into a Credit Karma Checking account.[1]

Refund Advance loan: With the upcoming launch of Credit Karma Tax’s Tax Year 2026 offering, apply for an up to $4,000 Refund Advance loan with $0 loan fees and 0% APR.[2]

Simple, flat-rate pricing

To make the next tax filing season even easier and more affordable, Credit Karma Tax offers a predictable, flat-rate pricing structure, regardless of each member’s tax complexity, with no hidden fees: $0 for federal filing and $15 per state filing.

For filers seeking added peace of mind or expert support as they file their 2026 taxes, Credit Karma Tax offers straightforward, optional paid add-ons:

Expert Support Bundle: Includes audit defense, ID protection benefits, 1:1 live product support and the ability to pay the $15 state fee using the tax refund. ($29 at launch. Pricing subject to change.)[1]

Expert Final Review: An option to add a final review by a tax expert to the above bundle will also be available at launch. ($39 at launch. Pricing subject to change.)[1]

Operating as a distinct, streamlined tax preparation offering, Credit Karma Tax is available on the Credit Karma website and app. To learn more, become a member and create a free Credit Karma account, visit CreditKarma.com.


[1] Terms apply. Program subject to change or discontinue at any time.

[2] Funds available upon IRS acceptance. IRS accepts returns starting late January.

* Per state filing flat-fee subject to change.

Beyond streaming: How to feel inspired by your smart TV

2026-10-20T07:01:01

(BPT) – You have a smart TV to stream your favorite content, but are you making the most of this technology? The truth is that many consumers only use a fraction of their smart TV’s capabilities.

Your smart TV is packed with features you may not be using. For example, LG’s webOS transforms LG Smart TVs into entertainment hubs, providing personalized content recommendations, gaming options, free music streaming, fitness apps, an art gallery, smart home management and more. LG’s webOS technology enables seamless transitions between streaming, gaming, productivity and connected home experiences, allowing users to easily access TV functions, navigate apps, update settings and connect to compatible devices like speakers, headphones and video game controllers.

Beyond personalization

Thanks to AI-driven personalization and profile-based recommendations, you can enjoy a smarter entertainment experience, simplifying choice and sparking inspiration with your LG Smart TV. Through dedicated profiles, family members can customize their own home screens with personalized content.

Level up family game night

Grandfather and granddaughter playing video games on big screen tv.

Enjoy a new take on family game night with LG Smart TVs, which offer access to a wide variety of games and services, some of them even free! LG’s Gaming Portal brings your favorite cloud gaming platforms like Xbox, Amazon Luna, Blacknut and NVIDIA GeForce NOW right to your TV. You can play over 5,000 cloud gaming titles, plus over 1,000 free single and multiplayer games.

Family members who love the classics, party hits or arcade favorites can jump into timeless fun with games like Just Dance Now, PAC-MAN and 8 Ball Pool, the mega hit mobile pool game that is a Guinness World Record holder, by using the LG Magic Remote or their smartphone. They can play Jeopardy!, Wheel of Fortune and many more on the Weekend app, the ultimate voice-based party game that uses mobile devices as controllers. Xbox Game Pass Ultimate members can also conveniently stream a select catalog of games they already own, including Call of Duty®: Black Ops 6, giving each member of the family more flexibility to choose how they play.

Transform your TV into art

Today’s TVs are designed to complement your space, whether you prefer it to blend into home decor or become a standout design. With LG Gallery+, you can bring celebrated works from the Metropolitan Museum of Art into your living room, alongside the timeless landscapes of Bob Ross and contemporary works curated by Sedition. From iconic masterpieces to peaceful scenes designed to inspire, your TV can become a digital canvas that adds beauty and personality to your space, even when you’re not watching. This transforms your TV into a refined digital canvas, creating a stunning focal point reflecting your personal style or mood.

Music to your ears

Freinds singing with song lyrics on tv.

Music lovers may not realize their LG Smart TV offers free music streaming, live radio and podcasts with LG Radio+. Beyond opening the app on your LG TV running webOS, LG Radio+ is also accessible through the LG ThinQ® app, enabling audio streaming on compatible LG audio devices.

Radio+ also offers over 850 live iHeartRadio stations, digital-only stations and iHeartMedia’s podcast catalog. The partnership also includes local station recommendations, top-ranked programming and curated iHeartRadio content alongside existing LG Radio+ music playlists.

Expand your horizons

Ready to inspire your next adventure? The LG Travel+ app delivers travel content and resources for travel novices and experts alike to explore destinations and book trips and excursions with ease. LG Travel+ offers travel insights like maps and recommended visiting times in a user-friendly layout, and its Travel Deals & More section highlights attractive offers, helping you find the best value for your next journey.

Bring the world into your living room with high-quality travel videos that authentically capture the sights and sounds of destinations worldwide. You can even access deals from webOS partners via on-screen QR codes for mobile devices, making it easier to book travel right from your phone.

Shape up with fitness apps

Discover your favorite workouts, select your preferred intensity level and enjoy the flexibility of being able to work out whenever you want.

Working out at home is more convenient than ever, thanks to tailored fitness apps and programs on your LG Smart TV. Xponential Fitness brings the top 10 in-studio brands in one place for on-demand and live-class instructor-led content with over 3,000 workouts — and over 60 new classes streaming weekly. Another great option is FlexIt, which provides a customized user experience through camera-assisted live one-on-one sessions with top fitness and wellness professionals. You can also choose from subscription workout apps like Les Mills+ or high-energy options like 305 Fitness.

Enjoy one-stop shopping

Home shopping is easier than ever with access to your favorite shopping channels. Check out LG Shop Time, where you can find the JTV livestream, OnTV4U, the HSN livestream and QVC livestream. You can also see videos on demand organized by product category to explore and purchase specific items — even when they’re not live on air.

The shopping experience goes beyond traditional home shopping, helping viewers discover products inspired by the content they’re watching and explore new shopping opportunities directly from their TV.

From finding products to ordering meals from the comfort of their couch, LG Smart TVs make everyday convenience more accessible than ever.

With all these features available to you, LG’s webOS goes beyond streaming to unlock a world of lifestyle content, play and discovery, bringing entertainment, gaming and fun together in one seamless, personal experience.

Visit LG.com/us/webos to discover more about the capabilities of your LG Smart TV.

Dry, Cracked Hands That Won’t Go Away? 5 Things to Know About Chronic Hand Eczema

2026-10-19T07:01:00

(BPT) – Do you often experience itchy, red and painful skin on your hands? Or experience dryness, cracking and flaking so bad it interferes with your daily life? You may be one of the 1 in 10 people worldwide living with a chronic condition called Chronic Hand Eczema (CHE).1

CHE is an inflammatory condition that can be unpredictable and look different for everyone.1 If you think you or a loved one may have CHE, here are five important things to know:

1. CHE is not just eczema on your hands

While the condition may coexist with atopic dermatitis, or eczema, CHE is a distinct, chronic, recurring inflammatory skin disease affecting the hands and wrists.1,2 Clinically, hand eczema is considered chronic when it lasts for more than 3 months or relapses at least twice within a single year.3 It is not uncommon, with 1 in 10 people worldwide living with CHE.1

2. CHE may appear differently from person to person

Common symptoms of CHE include itching, pain, redness, scaling and fissures.2 However, CHE can be challenging to recognize and diagnose because symptoms may present differently from person to person based on the subtype of disease, severity and areas affected.1 In some people, symptoms may occur on their palms or fingers, while in others, symptoms may be present on the backs of the hands, fingertips or wrists.3

3. Certain triggers may cause symptoms to worsen at times

CHE is associated with skin barrier dysfunction and skin inflammation, leaving skin vulnerable to dryness and irritation.1 Environmental and occupational factors such as prolonged exposure to water from frequent handwashing, soaps, cleaning agents, detergents, cold/dry climates or latex gloves can trigger flare-ups.3 Other triggers include biological and lifestyle factors like a history of atopic dermatitis, contact allergies, genetic factors, stress or tobacco use.3

4. The impact of CHE goes beyond the skin

Our hands are essential to how we navigate the world — from typing an email or preparing meals to holding a loved one’s hand or expressing ourselves creatively.

Because of the highly visible role our hands play in our lives, CHE is often associated with anxiety, low self-esteem, social phobia, embarrassment and self-isolation.1 In fact, 79% of people living with CHE state it has a negative effect on their mood and 76% report it affects social or leisure activities.4 About 50% of people with CHE experience painful symptoms in their hands, like cracks and scaling, which can make it physically difficult to hold or touch everyday objects.2

5. It‘s important to see a dermatologist if you think you have CHE

CHE may be difficult to manage, but there are ways to help reduce symptoms, support skin health and improve quality of life.

If you think you have CHE, talk to a dermatologist, who can help develop a personalized plan for you. Managing CHE typically depends on the severity and stage of the disease, possible causes or triggers, the area affected and its impact on everyday life. General measures, such as avoiding irritants and allergens where possible, protecting the hands, and using emollients and moisturizers regularly to support the skin barrier can play an important part in this plan.3 Your doctor may also consider medical treatment.

For more information, visit the Chronic World Hand Eczema Day landing page, a resource about CHE created to recognize October 5 as the first World Chronic Hand Eczema Day, an awareness initiative designed to shed light on this persistent condition. While the dedicated day brings crucial global focus to the disease, having a better understanding of CHE, its symptoms, triggers, impact and how to manage it, is important year-round.

References:

  1. Dubin C, Del Duca E, Guttman-Yassky E. Ther Clin Risk Manag. 2020;16:1319-1332. doi:10.2147/TCRM.S292504
  2. Grant L, et al. Adv Ther. 2020;37(2):692-706. doi:10.1007/s12325-019-01164-5
  3. Thyssen JP, et al. Contact Dermatitis. 2022;86(5):357-378. doi:10.1111/cod.14035
  4. Ahmed A, et al. Clin Exp Dermatol. 2015;40(5):495-501. doi:10.1111/ced.12619

MAT-99811

It’s cold and flu season and time to protect your household against it

2026-10-19T08:01:00

(BPT) – As the weather gets colder, it’s important to remember that cold and flu season swiftly follows. Respiratory illnesses typically rise in October and peak into winter, according to the Centers for Disease Control and Prevention (CDC), making this a crucial time to start preventive steps to keep your household healthier, all season long.

To help your family enjoy the season with fewer sneezes and sniffles, there are several steps you can take now.

Encourage handwashing

This time of year, you’re likely to spend a lot more time indoors, as well as get together with friends and family for holidays and celebrations. Remind everyone in your household that this is the most important time of year to be extra vigilant about washing hands regularly to help keep germs from spreading, especially after returning home from work, school and social gatherings, and always before eating.

Use a germ-killing household disinfectant

Another effective tactic is making sure to disinfect high-touch surfaces throughout your home, including doorknobs, handles, light switches, railings, countertops and more. This is especially important before and after indoor gatherings, and even more crucial when someone in your family is or has been sick.

Person spraying the faucet handles in a bathroom with

A trusted household disinfectant like Microban 24, which has just returned to market via Amazon, makes it easier than ever for consumers to incorporate 24-hour bacteria protection into household disinfecting routines.

Microban 24 initially kills 99.9% of cold and flu viruses,* and has the added benefit of killing 99.9% of bacteria that can live on hard, non-porous, non-food contact surfaces up to 24 hours** after treatment, when used as directed.

“Cold and flu season is the prime time when families should become most intentional about cleaning and disinfecting surfaces they touch often,” said Jesse Turmenne, senior microbiologist for Microban.

Unlike many products that only kill bacteria with the initial application, both Microban 24 Sanitizing Spray and Microban 24 Multi-Purpose Cleaner offer continuous 24-hour bacteria protection on treated surfaces for up to 24 hours.**

“Ongoing protection for 24 hours after use is a real benefit when disinfecting high-touch and repeated use areas like door handles, light switches, bathroom counters and desks,” said Turmenne.

He added that Microban 24 Sanitizing Spray also kills bacteria when used as directed on soft surfaces such as couches, backpacks and coats.

Follow healthy habits

In addition to frequent handwashing and keeping high-touch household surfaces disinfected, following a healthy lifestyle can also help safeguard against the worst that cold and flu season can dish out. For example, making sure to get plenty of sleep, eating nutritious foods, staying hydrated and getting regular exercise are additional ways to support your family’s overall health and well-being during the fall and year round.

Person spraying a counter top with

Visit Microban24.com to learn more about disinfecting your home during cold and flu season.

*Human Coronavirus, Respiratory Syncytial Virus (RSV), Influenza A H1N1.

**When used as directed, effective for 24 hours against Staphylococcus aureus & Klebsiella aerogenes bacteria. Microban 24 Hour Sanitizing Spray does not provide 24-hour residual virus protection.