A New Y2K Moment: What the Threat of Frontier AI Tells Us about Enterprise Modernization

2026-07-13T07:01:02

(BPT) – Key takeaways

  • The vulnerabilities buried inside legacy systems at every large organization are no longer hidden.
  • While Y2K forced organizations to look honestly at decades of accumulated code, the frontier AI moment is forcing the same reckoning.
  • The organizations responding fastest are the ones that have built the capacity to remediate vulnerabilities at machine speed.

You have a password manager, or you don’t. You use two-factor authentication on some accounts but not others. You read the breach notification email, change the password and move on. Most of us trust that the systems we depend on (our banks, our health records, our social platforms, our employers) are doing the work in the background.

But they’re not. Or rather, they can’t anymore. A new generation of artificial intelligence, capable of scanning entire enterprise estates in hours, has fundamentally changed the problem. The vulnerabilities buried inside legacy systems for decades, the technical debt that every large organization carries, are no longer hidden. To anyone with access to the right models, these flaws are thrown into sharp relief. The audit that used to take weeks now takes hours, and the people tasked with defending these systems are no longer the ones finding the vulnerabilities first.

This is what some in the industry describe as a new Y2K moment, though the comparison is less about the threat than the reckoning it forces. Y2K had a known deadline, a known fix, and years of coordinated global response. Engineers went in to patch one thing (the date field) and discovered a catastrophe’s worth of brittle, tangled code no one fully understood. The frontier AI moment offers no such certainty.

The defining feature of this moment is a structural mismatch: offense now moves at machine speed while defense still moves at the speed of human review and scheduled maintenance. The deadline is unclear, the scope expands faster than fixes can be deployed, and the response is being navigated company by company. The true parallel is that both moments expose the cost of deferred modernization. Y2K forced organizations to look honestly at decades of accumulated code. This time, adversaries are running the audit in real time.

From finding to fixing, the bottleneck has changed

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For all the urgency the moment demands, the organizations responding fastest are not the ones with the best threat detection. They are the ones that have built the capacity to remediate vulnerabilities at machine speed.

Detection has stopped being the constraint. A good security team with the right tools can find vulnerabilities in hours. What determines survival is what happens next: the ability to prioritize, patch, and deploy fixes faster than threats accumulate. Remediation capacity is now the bottleneck. When discovery outpaces repair, the backlog of known but unpatched flaws grows faster than teams can close it, and that patch queue itself becomes the attack surface: a published list of openings an adversary can work through while defenders wait for a maintenance window. Closing that remediation-velocity gap is the capability that now separates resilient organizations from exposed ones. That capacity is not something you buy from a single vendor. It requires orchestrating across the stack: linking defense, intelligence, and modernization at scale.

The same forcing function that has made security a board-level concern is reopening conversations about modernization that have stalled for years. In recent Cognizant research, 73% of Global 2000 leaders identified cybersecurity as a major driver of legacy modernization, the joint-highest rating alongside reducing operating costs.[1] For two decades, the case for enterprise modernization was made in the language of efficiency, cost, and competitive advantage. These arguments were easy to resist. Like patching your roof before a storm hits, the work that prevents catastrophe rarely feels urgent until the danger is right in front of you.

The organizations responding fastest are not the ones with the best threat detection. They are the ones that have built the capacity to remediate vulnerabilities at machine speed.

The frontier AI moment is changing that calculation. The cost of waiting is no longer abstract. It’s measurable and increasingly visible in the form of a continuously expanding attack surface that legacy systems cannot defend. What was once a productivity argument is now a survival argument. And leaders know they are behind. Half of Global 2000 leaders say the current pace of progress in updating defense systems is not yet fast enough.[1]

What modernization looks like now

IT professional looking at patterns on multiple computer screens

In the age of frontier AI, modernization is no longer a program run alongside cybersecurity. It is cybersecurity, expressed at the architectural level. Each vulnerability is a symptom; the aging architecture that let it persist is the underlying condition. Patching the symptom without modernizing the architecture leaves the condition in place, which is why remediation at scale and modernization are the same work.

Three patterns are emerging across organizations moving fastest. The first is the systematic retirement of legacy systems that cannot be defended at scale. Unsupported platforms are not merely operational risks; they are mapped terrain for adversaries. The second is the embedding of zero-trust principles (identity, segmentation, encryption) as platform fundamentals rather than incremental fixes. The third is the deliberate design of operations that can withstand AI-era threats, including the inventories, baselines, and governance frameworks autonomous systems require.

These aren’t new ideas. What is new is that the frontier threat has made them unavoidable. The scope of the problem is forcing the scope of the solution. No single company, no product vendor, no single-service firm, can orchestrate this alone. Closing the remediation-velocity gap means making endpoint defense, data security, threat intelligence, incident response, and architectural modernization work as one system, with governance holding throughout. A point tool secures its own layer; only an orchestrating partner can engineer the whole. It is the work of an AI builder: the party that integrates capability across an ecosystem and embeds it into how an enterprise actually operates.

In financial services, AI-driven defense systems now detect and respond to anomalous activity in milliseconds, often before customers notice anything unusual. In healthcare, modernized claims platforms protect patient data while accelerating reimbursement. In retail and logistics, architectures built for security by design allow responsive experiences without exposing underlying systems to risk.

None of this is what most consumers think about when they tap a card or open an app. But it is the reason the experience works.

The work behind the scenes

AI deep learning machine.

The frontier AI moment is not ultimately a story about cybersecurity. It is a story about how the digital economy is rebuilt to remain trustworthy in a faster and more contested environment.

Y2K was a test run. It taught a generation of leaders that infrastructure matters, that technical debt comes due, and that coordinated effort can avert catastrophe. The frontier era is the real thing. The organizations that come through it well will be the ones that recognize the threat as also the moment.

The work is happening. Most people will never see it. That is the point. But the window to do it is not open indefinitely. The enterprises that close the gap before their adversaries reach parity are the ones that will define trust in the decade ahead.

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[1] Cognizant, “Legacy modernization and the AI timeline.” Available at: cognizant.com/us/en/insights/insights-blog/legacy-modernization-mandate-ai-timeline

4 key concerns for U.S. defense and aerospace sectors in 2026

2026-07-12T07:01:04

(BPT) – Key takeaways

  • The U.S. aerospace and defense industry needs a skilled workforce, supply chain resilience and continual innovation to remain competitive on the global stage.
  • A new white paper from the Washington Post Creative Group and the Michigan Economic Development Corporation (MEDC) examined four key pillars of today’s defense and aerospace sector: workforce development, infrastructure, advanced manufacturing and innovation.
  • States are taking on a bigger role in U.S. defense and national security in 2026.
  • Michigan leads the way, modeling a robust workforce, solid manufacturing infrastructure, top research institutions and a legacy of innovation.

2026 is a year of challenges and change for the U.S. aerospace and defense sectors. Facing massive growth and shifting needs, many organizations in the industry are evaluating their goals and looking for new ways to stay competitive.

A new white paper from the Washington Post Creative Group in collaboration with the Michigan Economic Development Corporation (MEDC) surveyed 150 senior U.S. leaders in defense and aerospace, manufacturing and industrial products and engineering or supply chain logistics.

The biggest industry concerns are contained in these four pillars:

  1. Workforce development
  2. Infrastructure
  3. Advanced manufacturing
  4. Innovation

“Across all four pillars, ecosystem-level readiness matters as much as any individual advantage,” said Col. John T. Gutierrez, U.S. Marine Corps (Ret.), executive director of Michigan’s Office of Defense and Aerospace Innovation (ODAI). “Weaknesses in one area can undermine strength in another.”

At a time when the U.S. aerospace and defense industry relies on states more than ever, these pillars also define regional competitiveness.

What’s influencing defense and aerospace sectors in 2026?

The white paper revealed the main factors shaping the competitiveness of the defense and aerospace sector, and how they impact decisions on where to invest and scale operations.

1. Location and workforce development

Survey respondents cite workforce availability as a crucial factor in new location decisions. An overwhelming 9 in 10 executives (90%) report difficulty recruiting employees for today’s defense needs.

The survey also finds 51% of AI roles and 50% of advanced manufacturing roles are hard to fill across the sector. Cybersecurity recruiting difficulty is twice as high in defense as in other sectors, due to regulatory and security requirements.

“A defense-ready workforce is technically skilled, security-cleared or clearable, digitally fluent and trained in manufacturing and engineering disciplines underpinning many modern systems,” said Gutierrez.

2. State-level modern infrastructure

Over half the survey respondents (52%) state the importance of a modern regional infrastructure to the aerospace and defense industry, while 45% cite access to research institutions. Access to AI-enabled testing ranges was also cited by 57% of respondents.

Infrastructure at the state level is crucial for growth: Nearly one-third (31%) say infrastructure and connectivity constraints are factors influencing defense manufacturers’ new-location choices.

3. Localized, advanced manufacturing capabilities

The defense and aerospace industry relies on advanced manufacturing, including automation, computer numerical control (CNC) and robotics. It’s key for these manufacturing capabilities to be localized to help reduce supply chain strain and weak spots during unpredictable times.

Nearly all executives (98%) say they’re actively preparing for supply chain localization or reshoring during today’s near-unanimous call to reshore American defense production. In the survey, 73% identify advanced manufacturing as a strategic asset, and 53% are actively investing in supply chain technology.

Today’s U.S. defense industry widely prioritizes supply chain resilience — over cost and production output — as the workforce crisis deepens. This reflects a fundamental shift in how defense and aerospace leaders define competitiveness.

For years, manufacturers optimized supply chains around cost, speed and efficiency. In a sector where disruption can affect mission readiness, that model is no longer enough. Defense leaders seek localized supply chains to help them shorten development cycles while reducing risks like geopolitical uncertainty, material shortages, cyberattacks and demand spikes.

4. Innovation and access to research institutions

Innovation has always been a hallmark of defense and aerospace, but innovation itself is changing, with a new emphasis on applied research and development. Innovation is increasingly judged by its ability to move from concept to capability.

Survey respondents consistently value modern regional infrastructure (52%) and access to research institutions (45%) as the strongest contributors to innovation environments, indicating the importance of coordinated partnerships and infrastructure. Access to R&D and university or industry research partnerships is ranked as important by 82% of respondents.

What role do states play in defense and national security?

The U.S. is in the midst of a localization and reshoring drive. But defense and aerospace supply chains face unique constraints, requirements and challenges that are crucial for states to understand if they want to contribute to the industry.

The Department of Defense (DoD) increasingly looks to states as proactive strategic partners in national security, evaluating regions by their individual assets and how effectively their systems work together. A defense-ready state offers something no single company can: a coherent, integrated industrial ecosystem capable of supporting missions from ideation through production.

“Defense readiness is a system-level challenge, and states are the connective tissue that binds together suppliers, infrastructure, workforce, research institutions and testing environments,” added Gutierrez.

A defense-ready state offers something no single company can: a coherent, integrated industrial ecosystem capable of supporting missions from ideation through production.

Michigan offers a practical example of what today’s model requires: a region where commercial manufacturing strength, defense suppliers, research institutions and testing infrastructure are part of one coordinated industrial system.

Michigan is home to over 4,000 defense-aligned companies, over 900 aerospace suppliers and two of the U.S. Army’s critical commands: Tank-automotive and Armaments Command (TACOM) and Combat Capabilities Development Command (DEVCOM) Ground Vehicle System Center (GVSC), placing the state at the center of ground vehicle design, engineering and procurement.

Major defense manufacturers include General Dynamics Land Systems, BAE Systems and American Rheinmetall, while a 12-university National Security Consortium aligns academic research directly to DoD priorities.

The state also supports multi-domain testing — land, air, maritime, space and cyber — in a single state through the National All-Domain Warfighting Center (NADWC), Camp Grayling and Selfridge Air National Guard Base. This is critical, as 88% of defense leaders say regional innovation corridors where R&D, manufacturing and testing are co-located are vital to their strategy.

The Michigan ODAI connects this ecosystem by guiding defense businesses through certification, funding access and DoD market entry.

For defense and aerospace companies aiming to invest or expand, Michigan offers a skilled workforce, a strong academic base and assets that are increasingly organized around resilient, integrated readiness.

Download the white paper, and learn more about Michigan’s aerospace and defense readiness at MichiganBusiness.org.

The Hidden Toll of Endometrial Cancer

2026-07-09T07:01:05

(BPT) – Endometrial cancer (EC) is the most common type of uterine cancer, yet it is under-recognized, and patients may feel unprepared or overwhelmed when it comes to making treatment decisions after a diagnosis. The infographic below shares information from a patient survey about the burden of EC and the importance of empowering people living with EC to take control of their treatment journeys.

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How financing options help keep small businesses competitive

2026-07-09T04:01:00

(BPT) – Key takeaways:

  • In today’s economic climate, customers need financing options to help them shop at small businesses.
  • Small business owners can offer a variety of financing options to help boost customer loyalty and avoid costly discounting practices.
  • Synchrony helps small businesses offer private-label credit cards with promotional period financing and installment loans — like Buy Now, Pay Later — to help retain customers and compete with larger companies.
  • Synchrony partners with over 500,000 business locations across the country, providing services designed to help small businesses thrive.

When a customer hesitates at the register, the problem may not be the product or service. It may actually be the payment method.

In a year when affordability tops the priority list for many consumers, demand hasn’t disappeared. Consumers are just waiting for a better path to purchase. Offering flexible financing options can help small businesses capture that demand and win customers that bigger competitors might otherwise scoop up.

Man buys ATV at power sports store. Synchrony helps businesses with digital tools, training and financing infrastructure.

For years, it seemed that only the big chains were able to offer financing. Not anymore. Synchrony partners with more than 500,000 merchant locations across the U.S., including independent auto shops, dental practices, furniture stores, powersports dealers, home improvement contractors and more, giving them the digital tools, training and financing infrastructure to help them compete with brands that have entire teams dedicated to those functions.

It’s worth asking: Are you giving every customer the best possible chance to say yes? No matter your line of business, the right financing tools can help protect your margins, reduce cart abandonment and build the kind of loyalty that keeps customers coming back and helps your business grow.

Here’s what you need to know about giving your customers more financing options.

Smart customer financing solutions help drive sales

Has your small business been resorting to tactics like offering discounts to entice customers? You could be losing out. Not only are you tightening your margins, which hurts your bottom line, but you’re also setting the expectation that if customers wait long enough, you’ll offer another discount.

Business owner uses cell phone. Synchrony helps businesses with digital tools, training and financing infrastructure.

When you’re ready to launch a customer financing program for your business, Synchrony provides the digital tools, training, marketing support and account management that helps small business owners compete with brands that have dedicated teams for those functions.

Small and medium-sized businesses can use multi-source financing and tools like Synchrony PRISM to offer credit access to customers:

  • Multisource financing (MSF) is how Synchrony connects applicants who might otherwise have been declined with expanded financing solutions offered through our secondary financing partners. With a single application, Synchrony is able to reduce friction at the point of sale by facilitating more approvals and driving conversion. And merchants benefit from significantly higher approval rates for their customers, which can drive more sales and customer satisfaction.
  • Synchrony PRISM is a credit decisioning platform that goes beyond the traditional credit score. In determining whether to extend credit, many of Synchrony’s competitors only use credit bureau data, while Synchrony PRISM incorporates up to 20,000 data attributes, including cash flow, rent payment history and other behavioral signals, to identify creditworthy customers that a conventional model might miss. By offering a more holistic view of consumers, Synchrony PRISM increases approval rates for a similar level of risk while reducing fraud. For small business partners, that can translate to fewer lost sales and more customers walking out the door satisfied.

To make these financing tools even easier to offer at the point of sale, Synchrony can integrate financing directly into the systems your team already uses every day.

Independent software vendor (ISV) integrations embed Synchrony’s financing options directly into your company’s practice management systems, point-of-sale platforms and field service tools your team uses every day. This makes financing a natural part of the conversation rather than a separate step your staff has to introduce and manage.

Are you giving every customer the best possible chance to say yes?

Flexible financing options for your customers

Synchrony provides a suite of consumer financing options that can be offered together through a single application, to help match more customers with more potential payment paths.

Offering multiple financing solutions early in sales interactions helps reduce sticker shock and gives customers more purchasing power.

Through Synchrony, your business can empower customers by offering:

  • Private-Label and Network Credit Cards: These revolving credit accounts feature the merchant’s brand or a Synchrony network (such as the Synchrony HOME or Synchrony Car Care credit cards) which can be used at thousands of merchant locations. Customers can keep and reuse them for repeat purchases, helping build loyalty to that business. These cards may also offer promotional financing, which can help make larger purchases more manageable by allowing the cardholder to pay over time.
  • Buy Now, Pay Later (BNPL)/Installment Loans: This model lets customers split a purchase into fixed, scheduled payments over a defined term, creating a one-time-use loan rather than open-ended revolving credit. It’s commonly used for customers who prefer predictable payments and is especially prevalent in big-ticket categories — such as powersports, trailers, musical instruments and lawn and garden equipment — often offered through dealer channels on Synchrony’s platforms.
  • CareCredit Credit Card: A dedicated health and wellness credit card, from Synchrony, is accepted at over 290,000 locations including dental, vision, audiology, chiropractic, veterinary and wellness practices. This option offers promotional financing that can help patients pay over time for the care they want or need. Health and wellness providers accepting CareCredit receive payment quickly, helping protect cash flow so they can focus on care rather than collections.

In a market where every dollar is considered, the businesses that make spending feel manageable are the ones customers return to.

Business owner uses cell phone. Synchrony helps businesses with digital tools, training and financing infrastructure.

Learn more about boosting your business at Synchrony.com/business.

Financing is subject to credit approval.

How to whimsy-max your home and save along the way

2026-07-08T08:05:00

(BPT) – Key takeaways:

  • Whimsy-maxxing is a growing lifestyle trend often found in home design.
  • Adding special decor to your home helps create a playful, joyous feeling.
  • Items with bold colors or patterns are ideal for whimsy-maxxing.
  • MacKenzie-Childs Barn Sale offers significant discounts on unique, whimsical items.

As people move away from minimalist interiors, whimsy-maxxing has emerged as one of today’s most playful design movements. When everyday routines start to feel a little boring and bland, whimsy-maxxing is the solution. This home trend embraces touches of color and playfulness, adding imagination and joy to your favorite spaces.

Elevating your home and personal spaces with whimsical touches can impact your outlook and attitude, inspiring happiness each day for you and your guests. This doesn’t require major renovations — a beautifully patterned accent or thoughtfully handcrafted piece can instantly brighten a room and spark a whimsical feeling.

Now is the time to embrace and experience whimsy-maxxing because for five days between July 16 and 20, 2026, iconic home decor and lifestyle brand MacKenzie-Childs is having their annual Barn Sale, making it easier than ever to refresh your home without paying full price. This highly anticipated event features daily surprises and deep discounts on their iconic enamelware, hand-painted ceramics, seasonal must-haves and more.

“Whimsy has always been at the heart of MacKenzie-Childs, long before it became a design trend,” said Rebecca Proctor, Chief Brand Officer of MacKenzie-Childs. “We believe every home should reflect the people who live there, which is why our collections are designed to bring joy, creativity and personality to any space. Whether it’s a colorful tea kettle, a patterned serving piece or an unexpected decorative accent, whimsical touches are an easy way to make a home feel more personal. Barn Sale is the perfect opportunity to embrace the trend or refresh your space with artisanal pieces that make distinctive design more accessible.”

Want to get started? Here are 5 simple tips to whimsy-max your home:

Checkered MacKenzie-Childs tea kettles against a purple backdrop.


Use playful patterns and creative colors

One of the easiest and most impactful ways to whimsy-max a space is to add pattern and color. Embrace combinations that feel collected over time. Think colorful florals, vibrant striped hues or bold polka dots that instantly energize a room. MacKenzie-Childs’s classic Courtly Check pattern is the perfect example of tradition with a twist, and is available in a variety of colors to suit your personality. Check out the gorgeous Emerald Check and viral Mocha Check for inspiration, featured in this year’s Barn Sale for the first time.

Barn Sale is the perfect opportunity to embrace the trend or refresh your space with artisanal pieces that make distinctive design more accessible.

Rebecca Proctor, Chief Brand Officer of MacKenzie-Childs

Mix patterns with confidence

Say goodbye to the beige blahs! Pattern layering is often found within the whimsy-maxxing trend, so don’t be afraid to experiment. For example, mix organic patterns and checks or strips and dots. Pattern-on-pattern draws the eye and creates moments of happiness within a space. Designer tip: Incorporate a unifying color that appears in both patterns to ensure cohesiveness that looks intriguing and intentional.

Add imaginative extras that bring you joy

Whimsy is often found in the small extras that make everyday life special, so focus on adding decor and housewares that elevate life. For example, consider fun photo frames, delightful dishes and smile-worthy mugs. MacKenzie-Childs’s best-selling 2-Quart Tea Kettle, available in a variety of colors, is as much a visual feast for the eyes as it is an item you’ll use often to create a moment of magic. The handmade details and artisan craftsmanship give whimsical spaces authenticity, making them feel curated instead of overly themed.

Reach for refined accents to create cozy comfort

A warm cup of your favorite tea. A soft blanket that inspires relaxation after a long day. Accent pillows that make your house feel like a home. Refined accents help you relax and get cozy, and are the perfect whimsical additions to any space no matter the season. Make the mundane more magical with special touches like these that personalize your home. These items also make great gifts for birthdays, holidays and other special occasions.

A table covered in opulent desserts on MacKenzie-Childs dish ware.


Turn everyday gatherings into occasions

Whimsy-maxxing helps you enjoy your life to the fullest and can inspire you to share that feeling with others. Invite loved ones over and enjoy entertaining them with some fun and functional pieces. For example, patterned serveware, funky tablecloths and that perfect platter that inspires conversation. Think outside the box and consider using items in new ways for your gatherings, such as your teapot as a centerpiece or as a vase for fresh flowers.

Checkered MacKenzie-Childs tea kettles against a purple backdrop.


Save big when you become a MacKenzie-Childs VIP

For shoppers hoping to score the best selection, MacKenzie-Childs Loyalty Rewards members receive VIP early access to the Barn Sale beginning Wednesday, July 15, 2026, giving them first pick of many of the event’s most sought-after pieces. Not yet a member? Joining is quick, easy and unlocks a whole new level of Barn Sale benefits. Visit www.mackenzie-childs.com/rewards to join today.

Whimsy-maxxing infuses joy and imagination into your living spaces, transforming them into havens of happiness for you and your guests. With the annual MacKenzie-Childs Barn Sale, there’s no better time to explore unique artisan-crafted pieces that will elevate your home with whimsical charm.

No credit history? No problem. How Gen Z can build one from scratch

2026-07-08T09:01:00

(BPT) – The postgraduation season is seen as a major milestone, but it’s just one of many moments when young adults begin taking greater control of their finances. Whether they’re starting a new job, moving into their first apartment, pursuing additional education or becoming more financially independent, many young people are focused on building a strong financial foundation.

However, as they begin to review their finances, certain young adults will discover that they’re entering adulthood without a financial identity.

Why credit matters early on

Roughly 17 million Americans — many of whom are young adults — are considered “credit invisible” or “thin file.” This means they either have no credit report or insufficient credit history to generate a valid score.

Without a credit history, young adults can struggle to rent an apartment, qualify for loans and credit cards, and are locked out of other financial opportunities that are key to gaining independence and financial mobility. This is particularly concerning for Gen Z as they’re entering adulthood during a period of rising costs, growing debt and economic uncertainty.

When young adults try to establish credit, they realize they’re caught in a paradox: They need credit to get credit. The traditional credit system has historically created a catch-22. You need a credit history to access financial products, but you often need those products to build a credit history in the first place.

How to spark a credit history

Data from Intuit Credit Karma found that Gen Z is highly motivated by financial wellness, yet almost half say they don’t know where to start when building credit.

The good news is that digital tools like Credit Spark can help credit-invisible consumers establish credit by using responsible financial habits they already demonstrate. This free financial tool, created by Intuit Credit Karma, helps consumers turn their existing utility and phone payments into credit history.

With Credit Spark, building a credit history is simple. The platform reports positive payments to TransUnion to help consumers establish credit faster. More importantly, the platform does not require consumers to open a credit card or take on new debt, giving them more control over how they begin building credit.

Tools for every stage of the financial journey

For consumers who are just getting started, Credit Spark can help establish a credit history, creating a foundation for future financial opportunities. As their needs evolve beyond building credit, Credit Karma is designed to grow with consumers throughout their financial journey. Whether it’s helping them save interest on their revolving debt with Debt Assistant or maximizing the rewards and perks of the credit cards in their wallet with Cards Optimizer, Credit Karma meets members wherever they are on their path.

As part of Intuit’s Consumer Platform, Credit Karma works alongside TurboTax to help consumers make financial decisions with greater confidence. Together, they support consumers throughout the year to navigate important milestones — from building credit and managing debt to filing taxes and planning for future financial goals.

The first step toward financial progress

Credit building should be accessible from the start. With a little help, Gen Z graduates can build financial confidence and establish habits that support long-term financial progress. To learn more, visit CreditKarma.com/Credit-Spark.

Living with Chronic Hand Eczema: When Everyday Touch Becomes Painful

2026-07-07T07:01:00

(BPT) – Sponsored by LEO Pharma

For Jennifer Etienne, 27, what began in her teens as irritation on her hands slowly became a painful, persistent condition that affected nearly every part of her daily life. Her hands often became swollen, blistered, and cracked — sometimes so raw that even light touch caused burning.

While Jennifer was diagnosed with eczema at 8 years old, she first noticed symptoms typical of chronic hand eczema (CHE) when she was about 15. After seeing a physician, she was told it was simply eczema. At the time, she didn’t realize that eczema affecting the hands can sometimes present differently or become chronic over time.

“I didn’t realize the eczema I was experiencing was actually CHE,” Jennifer says. Although she was initially diagnosed with eczema, she didn’t know that hand eczema can present differently — or that symptoms could persist, recur, or worsen over time.

Over the years, everyday tasks became increasingly painful. “Simple things most people don’t think twice about — like washing dishes or using cleaning products — could be incredibly uncomfortable,” she explains. “Sometimes it felt like anything that touched my hands made the irritation worse.” Because hands are so visible, she often felt self-conscious meeting new people and shaking hands. During CHE flares, she avoided physical contact out of concern that fragrances or lotions worn by others might aggravate her symptoms.

“CHE is more than a skin issue,” she says. “It also affects how you live, work, and connect with people.”

For many adults, ongoing irritation on the hands may be attributed to frequent handwashing or exposure to soaps and other everyday irritants.1 But for some, these symptoms may signal something more serious: chronic hand eczema (CHE).

CHE is a persistent or recurrent form of eczema that affects the hands and wrists.1 It can cause redness, itching, swelling, painful cracking, blistering, and even bleeding.2 When symptoms last for more than 3 months or recur frequently they may indicate chronic hand eczema (CHE) rather than temporary irritation.1

Research suggests that approximately one in ten adults in the United States may be living with CHE,3 making it more common than many people realize.

Beyond visible symptoms, CHE can carry substantial functional and emotional burdens. Studies show that it may significantly impact quality of life, one’s occupational choices, work productivity, and daily activities.4,5

Like many individuals with CHE, Jennifer relied heavily on moisturizers for years and went through periods without consistent medical guidance. Feeling dismissed early in her journey made it harder to seek follow-up care. Eventually, when her symptoms worsened again, she chose to pursue further evaluation by a dermatologist and learn more about her condition.

“Looking back, I wish I had known sooner that if hand symptoms are ongoing, recurrent, or interfering with daily life, it’s important to talk to a dermatologist,” Jennifer says.

Dermatologists note that because hand eczema can have multiple triggers and may resemble other skin conditions, it can sometimes be overlooked or misunderstood.1 Recognizing persistent or recurrent symptoms and discussing them openly with a healthcare provider is an important step toward proper evaluation.

Jen at an event wearing an apron that says
Jennifer enjoys a candle-making class with friends in her free time.

To learn more about the symptoms and possible risk factors of CHE, visit www.LearnAboutCHE.com.

*In the photo above, Jennifer participates in advocacy efforts on Capitol Hill as a National Eczema Association ambassador.

References

  1. Thyssen JP, Schuttelaar MLA, Alfonso JH, et al. Guidelines for diagnosis, prevention, and treatment of hand eczema. Contact Dermatitis. 2022;86(5):357-378.
  2. Molin S, Fargnoli MC, Crépy MN, et al. Real-world evidence of self-reported treatments, signs, and symptom burden in chronic hand eczema: Findings from the multinational CHECK study. Acta Derm Venereol. 2026;106:adv44493.
  3. Chovatiya R, Balu S, Bin Sawad A, et al. Prevalence of self-reported physician diagnosis of chronic hand eczema in adults: A cross-sectional study of more than 10,000 participants in the general population – Results from the CHECK study in the United States. Presented at the Fall Clinical Dermatology Conference 2025. Orlando, Florida. 06-08 Nov. Poster Presentation.
  4. Simpson E, Balu S, Bin Sawad A, et al. The impact of chronic hand eczema on occupation, work productivity, and activity impairment: Results from the CHECK study in the United States. Presented at the Fall Clinical 25 Annual Congress 2025. September 2025. Poster Presentation.
  5. Cortesi PA, Scalone L, Belisari A, et al. Cost and quality of life in patients with severe chronic hand eczema refractory to standard therapy with topical potent corticosteroids. Contact Dermatitis. 2014;70(3):158-168.

4 simple ways to outsmart rising energy costs

2026-07-07T07:01:00

(BPT) – It’s hard to ignore the creeping price of the monthly utility bill and the sting of gas prices at the pump. These rising costs have made it more difficult for Americans to budget effectively for monthly expenses. How can households afford power sources that feel increasingly unreliable?

Luckily, homeowners and renters can take back control of their energy use, even amid unpredictable energy costs and volatile gas prices. Here are a few ways you can achieve energy independence and stabilize your home energy costs.

Upgrade to energy-efficient appliances

Refrigerators, washers, dryers and dishwashers are the workhorse appliances of any home. They’re also heavy energy consumers. However, you can still enjoy these modern conveniences and lighten your energy load by upgrading to certified ENERGY STAR appliances.

When you switch to an ENERGY STAR appliance, you can save 10%-50% on energy costs compared to conventional models. That’s because these modern, efficient appliances use significantly less power to do the exact same job as older models. By switching, you can keep your home running smoothly while naturally lowering your energy usage month to month.

Pro tip: Big changes start small. Consider switching your current light bulbs to energy-efficient LED light bulbs.

Install a smart thermostat

Heating and cooling account for the bulk of your monthly energy bill. So, how can you keep your home comfortable and your wallet happy? You don’t need to suffer in the sweltering summer or freezing winter. All you need to do is install a smart thermostat.

A smart thermostat learns your daily routine and adjusts the temperature when you’re sleeping or away from home. In short, it allows you to program your comfort. This instant automated control of your environment is a seamless way to lower heating and cooling costs and enjoy your time at home without the hassle and guesswork of manual adjustments.

Use heavy energy-consuming appliances during off-peak hours

Did you know that electricity costs change depending on the time of day? Check with your utility company. You may be surprised to find that you’re paying premium rates during peak hours, usually in the late afternoon and evening.

Do a little digging and find out your area’s time-of-use rates. Once you know the peak-use window, you can outsmart the grid by using your heavy, energy-intensive appliances during off-peak hours. Try running your dishwasher or doing laundry in the morning or late at night and see how much you save.

Embrace a clean energy home backup

Achieving true energy independence means having the ability to power appliances no matter what the grid is doing. To gain independence and make a sizable dent in energy costs no matter what gas prices and electricity rates are, homeowners and renters should consider always-on clean-home battery backup solutions like Jackery solar generators. Unlike traditional gas generators, these portable power stations are clean and quiet. That means no expensive fuel runs, noxious fumes or noisy operation. Plus, sunlight is free, so once you own a solar-powered generator, you can count on cost-stable energy.

Jackery’s gasless, indoor-safe home batteries pair a portable power station with solar panels so that you can capture, store and use power on your own terms. By using the solar generator’s stored power during peak hours, you can offset your energy bill and keep the essentials like refrigerators, laundry machines, fans and WiFi routers running, even when costs are high or the grid is down. You can even opt to connect a solar generator to your home’s circuits with automatic switchover, like the Jackery Solar Generator 5000 Plus combined with a smart transfer switch so backup kicks in seamlessly when you need it the most.

Family having dinner in the kichen while the Jackery Solar Generator 5000 Plus powers their home from the garage.

Jackery’s generators are designed with modern living spaces in mind and meant to fit a real home, not to hide in the shed. So, whether you need to charge your computer, power a fridge or run essentials across multiple rooms at once, there are plenty of options that let you ride out price spikes and outages without lifting a finger.

Energy savings and independence are within reach

Lowering your energy costs doesn’t mean you have to sacrifice modern comforts. Using these tips can get you started on the path to energy independence and a better energy budget, no matter the current energy and gas prices.

To learn more about how to take back control of your energy costs and the benefits of solar battery backup solutions, visit Jackery.com.

An affordable new way to get a car without setting foot in a dealership

2026-07-06T23:01:00

(BPT) – Key Takeaways

  • Having a car today is increasingly expensive, due to the total cost of ownership: higher vehicle prices, financing rates, maintenance, insurance and fuel.
  • Buying or leasing usually requires a multi-year commitment that may not be flexible enough to adapt to life changes.
  • New, flexible, more affordable leasing models like Flexcar provide a simpler alternative: month-to-month car access.

The rising cost of getting a car in 2026 is causing more Americans to rethink traditional methods like buying or leasing. The upfront cost of higher vehicle prices combined with long-term financing and ongoing expenses add up to a much higher investment. Insurance alone averages almost $2,700 per year, and then there’s ongoing maintenance, repairs and today’s high fuel costs.

Another big issue is that buying and leasing typically require multi-year commitments that don’t take into account lifestyle changes. Instead, they lock drivers into financial obligations without much flexibility.

“Life changes. We move cities, switch jobs. Families grow and plans shift. But one thing hasn’t changed: how we buy cars,” said Jake Marston, VP of Marketing, Flexcar. “Historically, buying a car meant large down payments, unexpected repair bills, long-term debt and fixed contracts out of step with the way people live today.”

A new solution to getting a car without traditional buying or leasing

In response to these concerns, newer car ownership alternatives are gaining traction. For example, Flexcar offers an innovative, more affordable leasing model that bundles the major costs of having a car into a single monthly payment, including insurance, maintenance and roadside assistance.

Car keys are given from one person to another. Flexcar allows vehicles to return at any time without early termination penalties.

Flexcar is designed for flexibility, letting members switch vehicles or adjust mileage plans as needs change. Members can upgrade to a larger SUV, choose a more efficient option for a new commute or drive something different for one season. Members can return their car at any time, without early termination penalties.

“Our members have driven over 350 million miles across our markets since 2021. This is a clear sign that drivers are ready for a different model,” added Marston. “Flexcar gives people a simpler, more flexible option, minus the unpredictable costs and multi-year loan commitments of traditional car ownership.”

Flexcar gives people a simpler, more flexible option, minus the unpredictable costs and multi-year loan commitments of traditional car ownership.

How Flexcar differs from traditional leasing or buying

Buying a car is a long-term responsibility. You might purchase a vehicle outright, or get financing via a loan lasting several years with fixed monthly payments. In addition to upfront costs and dealer fees, owners are completely responsible for insurance, maintenance, repairs, depreciation and resale value.

While traditional leasing is viewed by many as a lower-commitment alternative to buying, it still comes with a multi-year contract, typically 2-4 years, and fixed monthly payments for the duration of the lease. Drivers may also face upfront fees, strict mileage limits and potential end-of-term charges. In many cases, lease agreements require higher insurance coverage, which can increase monthly costs beyond the base payment.

Unlike traditional leasing or buying, Flexcar provides a flexible, all-inclusive alternative with no multi-year commitment. One monthly payment covers the vehicle, insurance and routine maintenance, plus roadside assistance. Members can switch cars or mileage plans as their needs change, or return the vehicle at any time without early termination penalties. Flexcar offers increased flexibility and more predictable monthly costs, without multi-year contract obligations.

Flexcar’s goal is to offer a more flexible, predictable path to getting a car, while reducing the financial uncertainty traditional ownership can bring.

How Flexcar is a more affordable option

Flexcar’s model is designed to simplify costs and reduce upfront and ongoing expenses.

Built-in savings

  • No large down payment
  • No long-term financing commitments
  • Fuel savings starting at $0.20 per gallon

All-in-one coverage

  • Insurance included
  • Maintenance included
  • 24/7 roadside assistance included

Members can save up to $0.60 per gallon at participating gas stations, with savings applied as a credit to their monthly invoice.

Flexcar is available in Atlanta, Charlotte, Nashville, Massachusetts and Rhode Island, with planned expansions into New York, San Francisco, San Jose and Dallas.

Two young women having fun driving a car. Flexcar provides car subscriptions services.


FAQs:

  • What’s included with my Flexcar? Flexcar includes the major costs of having a car in one simple monthly payment that covers your vehicle, insurance, routine maintenance and 24/7 roadside assistance, helping make costs more predictable. Members also get access to fuel savings of up to $0.60 per gallon and loyalty perks that can help lower monthly payments over time.
  • How can I sign up? Signing up for Flexcar is quick and fully online. Start by entering your location, age and estimated credit score to see available cars in your area. Then choose a vehicle, select a monthly plan with your preferred mileage and insurance options, and complete a short application with a soft credit check. Once approved, you can schedule delivery or pickup and start driving.
  • Could I swap cars any time? You can drive what you want, when you want. Cruise through summer with the top down in a Jeep Wrangler or conquer winter terrain in a rugged Toyota Tacoma. For a small swap fee, you can switch to the perfect car for every season and every adventure.

Learn more at Flexcar.com.

4 great reasons to open your Valpak blue envelope this July

2026-07-06T09:01:00

(BPT) – For more than 50 years, opening Valpak’s iconic Blue Envelope has meant discovering savings from businesses across the country. This July, it could also mean discovering something unexpected: the chance to appear in an upcoming Hallmark Channel original movie.

Thanks to a special partnership between Valpak and Hallmark Channel, this month’s Blue Envelope is delivering more than great deals. In addition to exclusive savings from local and national brands, this month, consumers will find the opportunity to enter the “From Mailbox to Movie Set” Sweepstakes, plus an exclusive Hallmark+ subscription offer. Here are four top reasons to make sure you open your Valpak Blue Envelope this month:

1. The envelope, please: Turn your trip to the mailbox into a brush with stardom

This month’s biggest surprise may be waiting inside the iconic Blue Envelope.

Through a special partnership between Valpak and Hallmark Channel, one lucky winner will receive a walk-on role in an upcoming Hallmark Channel original movie. The grand prize also includes an exclusive behind-the-scenes experience and all-expenses-paid travel for the winner and a guest.

It’s a once-in-a-lifetime chance to step into the world of Hallmark movie magic and experience it firsthand.

The sweepstakes launches in July 2026. Look for details in your Valpak Blue Envelope or visit Valpak.com/WalkOn for official rules, eligibility requirements and entry information.

2. Enjoy a one-year discounted Hallmark+ subscription

July’s Blue Envelope will feature a new look, spotlighting the upcoming Hallmark+ exclusive limited series, Paris is Always a Good Idea, based on the novel by Jenn McKinlay, and starring fan favorite Lacey Chabert.

As part of the partnership, consumers can take advantage of an exclusive Valpak Hallmark+ offer: a one-year subscription for just $39 — more than 50% off the regular price. In addition, anyone can access the discounted subscription by visiting HallmarkPlus.com and using the code “ValpakParis.”

3. Discover savings from businesses you know, and new favorites too

Whether you’re looking to save on dining, home services, shopping or everyday essentials, Valpak continues to connect consumers with valuable offers from local and national businesses.

Savings matter today more than ever, and the Blue Envelope is filled with deals designed to help consumers stretch their dollars while discovering new businesses, products and services in their communities. And because those savings aren’t limited to a mailbox, consumers across the country can also access savings and offers anytime by visiting Valpak.com.

4. Discover something unexpected

Part of the fun of opening the Blue Envelope is never knowing exactly what you’ll find inside.

Alongside savings from favorite local businesses and national brands, consumers often discover new restaurants, retailers, services and experiences they may not have otherwise considered. This July, that spirit of discovery extends even further with the chance to go from mailbox to movie set.

After all, there’s always a reason to open the envelope.

To learn more, discover savings in your area or enter the sweepstakes, visit Valpak.com.