What the Threat of Frontier AI Tells Us about Enterprise Modernization

2026-08-24T05:01:00

(BPT) – Key takeaways

  • The vulnerabilities inside legacy systems of large organizations are no longer hidden.
  • While Y2K forced organizations to confront decades of accumulated code, frontier AI is forcing the same reckoning.
  • The organizations responding fastest are the ones that have built the capacity to correct 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.

The new bottleneck in threat detection

Sand running trhough an hour glass. Cognizant says it is important to  remediate vulnerabilities at machine speed.

For all the urgency the moment demands, the organizations responding fastest are not the ones with the best threat detection. They are the ones with 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.

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 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 does frontier AI modernization look like now?

IT professional looking at patterns on multiple computer screens. Cognizant says AI-driven defense systems now detect and respond in milliseconds

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.

Recognizing threat in digital transformation

AI deep learning machine.

The frontier AI moment is not ultimately about cybersecurity. It is about how the digital economy must be 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

How to create thriving communities? Develop more ‘third places’

2026-08-24T08:01:00

(BPT) – Beyond home and the workplace, people need spaces to gather, meet new people and just hang out. These are known as “third places”: public parks, libraries and community centers, plus retail spaces, like coffee shops, bookstores and restaurants, and downtowns and main streets where people can socialize.

Many Americans today feel more lonely and isolated, navigating increased disconnection caused by screens and social media, plus cultural shifts that began during COVID. Nearly half of Americans (44%) say there’s no local coffee shop, bar, restaurant or park they visit regularly, and only 1 in 4 who live near potential gathering spots go there weekly.

Survey data shows that neighborhoods with multiple third places report higher levels of sociability. People who interact with neighbors at regular community spots are more likely to feel a sense of connection in their communities. Nearly half the residents in those communities report talking with someone they didn’t know well at least once monthly, according to the American Community Life Survey. That’s nearly twice as high as those living in areas without many third places.

These third places improve neighborhood cohesion and give people a reason to cross paths with those from different walks of life. Downtowns are one of the clearest examples of this in action. A thriving main street is a cluster of third places. The coffee shop, the bookstore, the diner, the plaza that hosts festivals. These main streets give people a reason to linger, run into a neighbor or strike up a conversation.

Today, states like Michigan are supporting efforts to nurture and create these crucial spaces and downtowns.

Community revitalization drives impact

Revitalization projects often showcase their environmental or safety benefits first, but their effect on local businesses is just as significant and often harder to quantify. Creating third places pays off not only in residents’ health and quality of life but also in increased foot traffic and local reactivation.

Because community development is one of the clearest paths to creating more third places and opportunities for human connection, the Michigan Economic Development Corporation (MEDC) offers numerous programs and grants toward this goal that support the unique vision of each community and empower local residents to design and implement solutions that build vibrant, diverse and resilient downtowns.

Creating opportunities for main street

Across Michigan, 24 communities are working through the Michigan Main Street program to revive their commercial districts, and the results show up in both foot traffic and investment dollars. Downtown Lansing has welcomed 116 new businesses and over $123 million in private investment since 2010. Grand Haven has drawn nearly $30 million in private investment and 110 new businesses since 2005. And in Howell, a downtown revitalization effort logged more than 62,000 volunteer hours and earned recognition as USA Today’s Best Main Street in 2024.

The results extend well beyond balance sheets. When a downtown becomes a place worth visiting again, residents show up, filling storefronts and connecting with one another.

Building up main street businesses

Small businesses are often what turn a storefront into a third place, the coffee shop or bakery where people linger, not just transact. The MEDC’s Match on Main program provides reimbursement-based grant funding of up to $25,000 per project to support new and expanding place-based small businesses.

Doozers, a popular bakery in downtown Ishpeming, restored a space in the historic Gossard Building with the support of a Match on Main grant, turning a home-based cookie-making venture into a bustling spot for people of all ages to hang out and enjoy sweet treats, complete with a kids’ play area.

“It’s nice having a third space,” said the bakery’s owner Claire Morgan-Heredia. “When I grew up, I went to the library six days a week and just hung out there or a coffee shop. We wanted to add to the community with our space. A variety of third spaces is good, so that the community foundation remains strong.”

Community spaces as third places

Not every third place is a business. Some are simply public: a park bench, a plaza, a farmers market stall. The Public Spaces Community Places program, created in partnership with the Michigan Municipal League, matches community crowdfunding campaigns dollar-for-dollar up to $50,000 for projects like parks, plazas, markets and other public gathering spaces. The match kicks in only after the community has met the project’s fundraising goal.

Since 2014, this program has:

  • Helped fund 421 projects across Michigan, backed by over 77,000 community members.
  • Crowdfunded more than $16.9 million, leading to $14.7 million in matched funding.
  • Created or redeveloped 25.9 million square feet of public spaces.

In St. Johns, the Fantasy Forest crowdfunding project transformed a beloved aging playground to be universally accessible, providing freedom of play to all children and families. Meanwhile, in Alpena, crowdfunding for the Besser Museum’s Discover Northeast Michigan History Exhibit turned an outdated exhibit space into an experience that takes visitors from the Big Bang to Big Industry, providing opportunities to learn about Northeast Michigan’s heritage in a family-friendly environment.

Through programs like Public Spaces Community Places, communities and the MEDC are equally invested in creating, improving and transforming spaces for all to enjoy.

With investments like these, states like Michigan are helping to support more opportunities for community connection and business development. Learn more about ways revitalization projects can support thriving communities through third places at MichiganBusiness.org.

Five important lessons rescue dogs can teach you

2026-08-21T23:01:00

(BPT) – Every dog has a story, and each story offers a priceless life lesson. For Lee Asher, founder of The Asher House animal sanctuary, his pack of over 50 dogs (as well as a few cats, a horse, and a pig) teaches him something new every day. Now, he’s sharing his wisdom with the world.

In his book, Saved by the Pack: How 50 Dogs Helped Me Find My Purpose, Asher introduces readers to his furry family members and the lessons each of them has taught him. This beautifully illustrated book is filled with personal and honest stories that animal lovers and pet owners will treasure. Read on to discover a small sampling of the canine wisdom you’ll find between the pages.

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1. Never judge a book by its cover.

Some dog breeds get a bad rap, which can make people reticent to adopt them. But each dog is more than just their breed. For example, Rain, a young dalmatian, was virtually unadoptable because of her breed’s reputation for biting and moodiness.

“When I told people I was rescuing a dalmatian, for the first time I was warned against adopting a dog,” Asher says. “When I rescue pit bulls, I hear a lot of ‘Thank goodness, pit bulls are so misunderstood.’ But with a dalmatian, all I heard was, ‘I don’t know if that’s such a good idea.'”

Rain did exhibit some of these negative breed traits. When Asher took her leash for the first time, she attempted to bite him. Thankfully, Asher recognized her behavior for what it was—a sign of fear. He didn’t let her initial behavior deter him. He stayed calm and led with confidence. Over time, he proved to Rain that he was safe, earning her love and trust. Now, she’s a regular member of the pack.

“Don’t hang on to first, second, or even third impressions,” Asher says. “Important things take time, patience, open-mindedness, and the courage to wait.”

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2. Don’t be afraid to take a risk.

Would you adopt a dog that constantly tried to run away? Such a risky pup would make most people shy away, but Asher took on the challenge when he adopted Ken, a handsome all-white mixed breed with some husky in him.

Ken’s reputation as an escape artist made him a high-risk adoption. However, Asher found a kindred spirit in Ken and decided to bring him home.

“I knew the risks I was taking in adopting Ken given his history,” Asher says, “but I was sure I could save him and provide the type of life and freedom he wanted and deserved.”

When Ken arrived at the sanctuary, Asher made sure to take him everywhere on a leash to help him get comfortable in his new home and with his new pack. Now, Ken is a dog that won’t leave Asher’s side.

“The truth is, Ken wasn’t running away. He was running to something: the home that could meet his needs, that trusted him, and that he could trust,” Asher says. “I’ve given him his freedom, and in return, he always comes back.”

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3. Believe in second chances.

When animal control found Ray, they assumed the worst about this German shepherd. She and another dog had run away from a bad situation and were found next to a third dog who was deceased, leading animal control to believe that she or the other dog was to blame.

Ray also was severely anxious and wasn’t outgoing. Combined with her story, Ray’s anxiety made many people believe she was a dangerous dog and a liability. But her history didn’t stop Asher from giving Ray a home.

“Here’s the reality: No one saw the situation unfold or the circumstances that led to one dog’s death,” Asher says. “And the staff [of the Humane Society for Tacoma and Pierce County] saw no signs of aggression in Ray at all. What they saw was a beautiful, frightened girl.”

Asher’s belief in second chances paid off. Now, Ray is thriving at the sanctuary and has bonded strongly with Asher and her new pack.

“I don’t make a dog’s history its identity. Every dog is treated like they were born the day we meet. I learn what I need to know through my own experience of them rather than from what I’ve been told. Honestly, we should practice this more with our human companions too.”

4. Practice selflessness.

Putting another’s needs above your own can be difficult, especially when it means letting go. Asher learned this lesson when he adopted Nacho, a 12-week-old pit bull.

Asher had previously raised a puppy, a rottweiler named Doug, among the pack. But he quickly learned that bringing a young dog, especially a male, into a pack of five or more dogs was incredibly challenging. However, Asher’s love for Nacho and his grief from a recent dog’s passing made him ignore his instincts.

“Unfortunately, it took only a month for me to acknowledge I wouldn’t be able to keep Nacho forever,” Asher says. “At just a couple of months old, he was already challenging the other dogs. I was worried he was going to develop bad habits, or worse, risk his and the pack’s safety. I didn’t need to learn a hard lesson twice.”

In the end, it was his love for Nacho and the rest of his pack that pushed Asher to do the right thing and put the dogs’ needs above his own desires. Nacho now lives in a quieter home with a family who can give him the time and training he needs to be the best version of himself.

“[Nacho’s] thriving in his forever home, with no behavior issues—proof I made the right decision,” Asher says. “I’ve had to learn the hard way that it doesn’t matter if I want to keep a dog, if it’s my dream dog, or if I’m grieving another soul. I always have to do what’s best for the dog in front of me and for the pack.”

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5. Have a sense of humor.

If laughter is the best medicine, then Asher gets multiple doses a day thanks to Tommy, the pack’s class clown.

When they first met, Asher was dealing with the immense pressure and expectations of opening a dog sanctuary. However, Tommy’s goofy teeth and silly, stubborn personality brought the right amount of levity to combat Asher’s worries.

“Tommy reminded me to slow down and enjoy the moment,” Asher says. “I’ll never forget the day I toured him around the property, only to have him sprint into the freezing cold rock quarry and swim laps. Chasing him into the water, fully clothed, I laughed harder than I had in ages. His goofy spirit brought light back into my days. He became a source of humor, gratitude, and hope.”

Tommy’s presence serves as a reminder to Asher and others of the heart and fun a rescue dog can bring to someone’s life.

Want to learn more lessons from Asher’s pack of rescue dogs? Pick up a copy of Saved by the Pack by visiting Books.Disney.com/Book/Saved-By-The-Pack.

All photos courtesy of Aaron Huey/National Geographic.

Expert recommendations for how to weather a summer outage

2026-08-21T15:29:00

(BPT) – Outages aren’t a matter of if, but when. If you live in an area where summer storms and heat waves can take out local power, it’s time to consider how to power your home no matter how long the grid goes dark.

What’s the easiest solution? According to Beau, a former licensed electrician and now an in-house product expert at Jackery, the answer is simple: buy a home backup system.

Throughout his career, Beau has answered many of the same questions from homeowners considering purchasing a home backup battery. Below are his answers to some of the most common ones.

Q: Do I really need a home backup?

If you’ve considered buying a home backup system but have been putting it off, consider what you’ll have to deal with if the power goes out tomorrow.

Without an independent power source, you risk going without food, air conditioning, communication and other essentials. Because blackouts can last hours, days or even weeks, now is the best time to buy home backup before the alert hits your phone.

Q: Is home backup worth the cost?

Yes. A home battery is a small investment with a fast payback. In fact, a home backup battery can pay for itself the first time it protects food. During a multiday outage, you can lose hundreds of dollars’ worth of groceries when the fridge stops running and have to spend hundreds more to replace what you lost.

Q: How long can a home backup run my home?

I field this one question more than any other, and I always answer the same way: It depends on your household. Home backup systems come in different sizes and capacities. How long one can run will depend on what you need to keep powered during an outage.

For example, families with young kids will need to prioritize keeping the refrigerator running and having a way to cook food. Pet owners may prioritize keeping their home cool during a heat wave, while remote workers may focus on keeping laptops, monitors, routers and phones powered.

Q: How do I know what size home backup I need?

The right home backup system is the one sized around your actual priorities. Now that you know what you couldn’t live without during a blackout, match those needs to the right portable power stations, solar generators or home backup battery.

If you only need to run a few plugged-in essentials, a smaller home battery backup may be enough. However, if you want to keep a refrigerator, internet equipment and family basics running longer, step up in capacity. If you want circuit-level or whole-home coverage, plan for a larger system and a transfer switch.

Q: I need to stay connected no matter what. What should I look for in a power station?

For remote workers or homeowners focused on connectivity, I’d suggest the HomePower 1000 v2. This power station offers 1500W output, enough power to keep a laptop running for 57 hours, and features sub-10 ms switchover and built-in 3 kV of surge protection for modems, routers and computers. And thanks to Jackery Priority Routing, you can rest easy knowing that you can preserve your networking gear’s capacity during long outages.

Q: During a long blackout, I want to make sure I have enough power to keep my whole family comfortable. Do I need to get a large-capacity power station right away?

For families who want a power station that grows with their needs, I’d recommend the HomePower 2000 Plus v2. The power station starts at a 2048Wh baseline capacity, enough to power a refrigerator for up to 48 hours, and expands to 12kWh with additional batteries.

Like the HomePower 1000 v2, it features Jackery Priority Routing, which automatically protects critical devices as the battery drains. When you need more power, hook up the station to portable solar panels, where it can fully recharge in about three hours.

Q: Can I power my whole home at once?

One hundred percent full, whole-home coverage with no compromise is very costly. But you don’t need everything in the event of an outage, and you certainly don’t want to overpay for backup. For backup that covers multiple rooms simultaneously, you’ll want to look at systems that connect to your home circuits via a transfer switch. Jackery’s bestseller, the HomePower 3600 Plus, is a great option for households that want to be prepared for longer outages. It delivers 3600W output and 3584Wh capacity, expandable up to 21kWh, which allows you to keep large home appliances like a refrigerator powered for up to 14 days.

This home backup solution connects to home circuits through a Manual Transfer Switch, offers sub-10ms UPS switching, runs at about 30dB (as quiet as a library), provides six recharge methods and is built to last on a 6000-cycle battery rated for 16-plus years. The HomePower 3600 Plus is also a great option for RV adventures.

Jackery 5000 home backup system in a garage with a door that leads to a family having dinner in the kichen.

For larger homes with high energy needs, I’d recommend our largest and most powerful backup option, Jackery’s Solar Generator 5000 Plus. When paired with the Jackery Smart Transfer Switch (STS), you get more control and automation over up to 12 30-amp circuits. The Jackery app shows you exactly what you are using on each circuit and puts control at your fingertips. The STS also opens up many options for load management and grid arbitrage, helping lower utility bills in areas where power is more expensive and will also help keep the appliances that are most important powered for the longest amount of time. Up to two Solar Generator 5000 Plus units can pair with the Jackery STS, increasing the continuous output to 14,400W and surge up to 28,800W.

It also features eight recharge methods, high-voltage solar compatibility, full AC recharge in 1.7 hours, 0ms UPS switching, Jackery App monitoring, an 11-plus-year battery lifespan, and a five-year warranty, so you can count on it to power your home through outages in any season for years to come.

Don’t wait for a blackout to get serious about home backup

When you break it down, Beau’s plan for how households can prepare for a summer storm or heat wave is simple: buy home backup now, figure out what you couldn’t live without, and match it to the right product. To learn more and find the right home backup that fits your home needs, visit Jackery.com.

11 fall traditions and new adventures at The Beach

2026-08-21T10:43:00

(BPT) – If you’re looking for a warm-weather fall escape this year, head to Myrtle Beach, South Carolina, where coastal traditions, local flavor and memory-making events keep the season glowing. Locals agree that The Beach is at its best during autumn, when the Grand Strand comes alive with surfing witches, music festivals and cook-offs the whole family can enjoy. With unexpected experiences and one-of-a-kind ways to celebrate, fall at The Beach offers a getaway that’s wonderfully different from the expected.

Below are just a few of the beloved traditions and new experiences you can enjoy this fall in the Myrtle Beach area.

1. Loris Bog-Off Festival

On Oct. 17, downtown Loris — located at the northern end of The Beach — will host the 47th annual Loris Bog-Off Festival. The festival celebrates the region’s signature chicken bog — a Lowcountry dish featuring a flavorful mix of rice, chicken, smoked sausage and closely guarded seasonings. What began in 1980 as a cooking contest has evolved into an annual tradition that brings together family recipes, live entertainment and local vendors, culminating in a grand fireworks finale.

2. Witches Sunrise Surf

That same morning, visitors can head to North Myrtle Beach to witness the fifth annual Witches Sunrise Surf. Costumed surfers will paddle into the Atlantic to ride the waves, flying upon surfboards to greet a beautiful fall day. This playful Halloween twist is one of the area’s most delightful and unexpected coastal traditions, and it will have you setting your alarm early to watch the sunrise behind a coven of black hats and broomsticks.

3. Conway: City of Halloween

For more Halloween fun, take a short drive inland to Conway, a historic river town that officially renames itself the City of Halloween, S.C. Throughout October, you can walk Conway’s downtown and take in the sights of jack-o’-lantern trees, floating witch hats, oversized creatures, immersive lighting and family-friendly happenings. If you plan to visit on Oct. 17, make sure to take the family to see the town’s Graveyard Grand Prix Coffin Race, where locals race homemade, human-powered “coffins” through downtown.

4. Patriots Day Festival

Visit Little River — the oldest of the Grand Strand’s 14 communities — on Sept. 12 to celebrate the town’s Patriots Day Festival. This event honors service members and first responders while also raising funds for a memorial reef, a diving and fishing destination and coral restoration effort. The reef gives this new event an added sense of purpose that connects celebration, service and coastal environment stewardship.

5. Little River Waterfront Fright Nights

If you’re lucky enough to visit Myrtle Beach Sept. 24-Oct. 31, you can be among the first to experience the new Little River Waterfront Fright Nights. This six-week Halloween experience offers visitors plenty of spooky spectacles to choose from, including the Trail of Fear, waterfront decor, a haunted house, a costume contest and pirate-themed ‘Boos’ cruises along the Intracoastal Waterway.

6. NMB Live!

Music lovers, mark your calendar on Sept. 26 for the inaugural NMB Live! festival. This event brings three stages of free music to Main Street in North Myrtle Beach during the SOS Fall Migration, a celebration of the Carolina Shag dance held Sept. 18-27. The timing connects something new with a tradition that began in Ocean Drive’s dance clubs in the late 1930s. Named South Carolina’s official dance in 1984, the shag continues to be a vibrant part of North Myrtle Beach through lessons, competitions and celebrations.

7. Purdy Center

Visit Brookgreen Gardens — voted one of the top 10 Best Public Gardens in the U.S. — as it enters its first fall with the newly opened Purdy Center. This spacious venue and conservatory gardens feature a light-filled Great Hall, changing botanical displays and a floor-to-ceiling tropical Green Wall.

8. Harvest Home Weekend

Have double the fun by visiting Brookgreen Gardens Oct. 3-4 for Harvest Home Weekend. Families can enjoy traditional fall activities such as picking their annual pumpkin, building and taking home their very own scarecrow, getting lost in a hay maze, creating a festive craft and enjoying an Autumn Creek Adventure amid the sculpture gardens and Lowcountry landscape.

9. Myrtle Beach Songwriters Festival

Nov. 13-14, head to downtown Myrtle Beach for the new Myrtle Beach Songwriters Festival. This two-day event is a walkable celebration of original music, storytelling and coastal culture. Enjoy musical performances from more than 50 singer-songwriters and poets from across the country performing their original work in intimate listening-room settings in multiple venues. Produced by Songs That Save Foundation, the event will support local children and families through Backpack Buddies.

10. Jazz Fest

This year, jazz enthusiasts can help celebrate the 10th anniversary of the Myrtle Beach Jazz Fest on Oct. 16-18 in Myrtle Beach. During this three-day celebration, the spacious event grounds will feature nearly two dozen live jazz performers, along with a variety of food options and cultural experiences.

11. Crazy Sister Marina

Myrtle Beach’s pleasant fall weather means there is still plenty of time for an adventure on the water. Visit Murrells Inlet and book an excursion with Crazy Sister Marina, a fishing charter, water sports and tour company that gives visitors unique ways to stay on the water well into the fall season, including dolphin-and-sea-life cruises, guided kayak tours, jet ski rides and half-day deep-sea fishing trips. Make sure to stay after sunset and experience a children’s pirate sunset adventure, a Full Moon Ghost Stories Cruise and a Murder Mystery Dessert Cruise.

Your next beach vacation starts this fall

Whether you’re seeking a quick weekend getaway or a longer stay, fall in Myrtle Beach offers every type of traveler a warm-weather escape that celebrates the best of autumn and the Grand Strand’s unique communities. For trip ideas, lodging offers and a comprehensive event calendar, visit VisitMyrtleBeach.com.

Why Some Wedding Guests Are RSVPing No

2026-08-21T09:01:00

(BPT) – Key takeaways

  • A recent Accredited Debt Relief survey found that eight in 10 people with at least $10k in unsecured debt— like credit cards, personal loans, medical debts and certain student loans skipped at least one event or activity in the last year, including weddings.
  • The cost is as emotional as it is financial. According to the survey, 68% of respondents feel anxiety when receiving an invitation.
  • A BBB-accredited debt consolidation program can help you take back control of your finances and allow you to say yes to important celebrations.

If you’re considering skipping a loved one’s wedding, you’re not alone. Weddings can be expensive for guests, too, not just the happy couple.

Leading up to the big day, there’s a laundry list of expenses: buying an outfit, paying for travel and a hotel room, purchasing a gift and arranging childcare. Given the cost of attending, it should come as no surprise that some Americans are skipping a loved one’s wedding due to already struggling financially.

Why RSVPs are not a simple yes or no

Debt reshapes social life, relationships and everyday decisions. For Americans carrying serious unsecured debt, attending social events is no longer a simple yes-or-no decision. Every invitation comes with a quiet financial calculation. Many are navigating a third RSVP option they rarely say out loud: I want to be there, but I cannot afford what saying yes will cost me.

To better understand how debt impacts a person’s life, Accredited Debt Relief and Drive Research conducted a survey of 2,000 U.S. adults with at least $10k in unsecured debt. The survey found that nearly eight in 10 respondents skipped at least one event or activity in the past year because of debt, including:

  • A wedding
  • A group trip or vacation
  • Dinner, concert or night out
  • Birthday or anniversary celebration
  • Holiday celebration with family
  • Milestone party (shower or graduation)

Debt reshapes social life, relationships and everyday decisions. For Americans carrying serious unsecured debt, attending social events is no longer a simple yes-or-no decision.

Saying no to an important event like a sibling’s wedding, a niece’s graduation or a lifelong friend’s birthday can be incredibly painful and take an emotional toll. According to the survey, 68% of respondents feel anxiety when receiving an invitation because they worry about the cost, and 57% worry that their debt makes them seem like a bad friend, partner or family member.

The stigma and privacy concerns surrounding debt may also make it harder to explain why an invitation is declined. In fact, 58% have made up a nonfinancial excuse to skip events they couldn’t afford to protect their privacy rather than admit they are struggling. Not only are these Americans carrying debt, but they’re also carrying the emotional weight of guilt and embarrassment.

How you can move forward with the right support

You don’t have to keep missing major life celebrations because of debt. One way you can break the cycle and regain control of your finances is through debt consolidation.

When you sign up for a BBB-accredited debt consolidation program like one through Accredited Debt Relief, you can replace high minimum payments across multiple accounts with one, lower monthly payment. With more room in your monthly budget, you can start building a financial life that lets you say yes to joyous occasions with friends and family more often.

Every situation is different, and the right option depends on your unique financial situation. To get a free debt evaluation that won’t affect your credit score and see what options are available to you, visit AccreditedDebtRelief.com/Free-Quote.

Considering Ketamine Therapy? What You Need to Know to Stay Safe

2026-08-20T17:01:00

(BPT) – For people living with depression, post-traumatic stress disorder (PTSD) or other mental health conditions, ketamine therapy may offer an option when other therapies haven’t worked. But if you are considering ketamine, either at a clinic or through a prescription obtained via telehealth, it’s important to understand how your treatment is provided and what safeguards are in place to keep you safe.

The $5 billion ketamine therapy market is projected to nearly triple over the next decade, and the American Society of Anesthesiologists (ASA) is calling for stronger patient protections amid concerns that safety standards and oversight are not keeping pace. ASA urges patients to ask how the drug will be prescribed, who will oversee their care, and what safety and monitoring protocols will be in place.

Ketamine is approved by the U.S. Food and Drug Administration (FDA) as an anesthetic, but its use for mental health conditions is off-label. A related drug, esketamine, is FDA-approved for certain forms of depression and must be administered in a certified healthcare setting.

Because ketamine can affect breathing, heart rate and blood pressure and carries a risk of misuse, it should only be prescribed as part of a comprehensive treatment plan with medical supervision. Last year, a 41-year-old New York woman seeking relief from depression died after being prescribed at-home ketamine through a telehealth company — even though she had reported taking Xanax, a combination the FDA warns can dangerously suppress breathing.

“For decades, anesthesiologists have safely administered ketamine in hospitals and other medical settings where patients are carefully monitored, and we have grave concerns about home delivery and unsupervised use of ketamine,” said ASA President Patrick Giam, M.D., FASA. “You can move very quickly from feeling relaxed to becoming deeply sedated, and without proper monitoring and supervision, that can become dangerous.”

What safe ketamine care requires

Ketamine can cause serious side effects requiring prompt medical intervention. That is why it matters where treatment is provided and whether qualified medical professionals are available if something goes wrong. For ketamine given by IV or injection, ASA guidance recommends that treatment should only be provided in a monitored medical setting under the supervision of a physician who is immediately available, familiar with ketamine’s effects and prepared to respond to complications. Appropriate monitoring and emergency equipment should also be readily available.

However, some patients receive prescriptions after virtual visits and take ketamine at home, typically as a tablet or lozenge that dissolves under the tongue, without a trained healthcare professional to monitor their breathing, heart rate or level of consciousness.

“You can go from a short online screening to receiving a powerful anesthetic at home,” said Dr. Giam. “If something goes wrong, there may be no one there trained to respond. In the hospital, we have strict protocols to account for every milligram of ketamine administered, yet ketamine used at home is subject to far less scrutiny. Patients need appropriate safeguards wherever they receive treatment.”

Lawmakers and policymakers in some states, including Texas, are considering stricter regulations, and federal officials have stepped up scrutiny of online ketamine providers and unapproved ketamine products.

What to ask before treatment

Before starting therapy, your healthcare professional should review your medical history, medications and overall health to determine whether ketamine is appropriate for you. Follow-up appointments are also important to monitor your response, adjust care if needed and identify side effects or complications.

If you’re considering ketamine therapy, ask questions before treatment begins so you can make a safer, more informed decision:

  • Who will evaluate whether ketamine is appropriate for me?
  • Will I have an in-person medical evaluation before treatment begins?
  • Who will oversee and monitor me during treatment?
  • What safety measures and emergency procedures are in place if I have a serious reaction?
  • How could ketamine interact with my current medications or medical conditions?
  • How often will I have follow-up appointments, and who should I contact if I experience problems after treatment?

Be sure to tell your healthcare professional about all prescription and over-the-counter medications, dietary supplements, alcohol, cannabis and other substances you use. Some combinations can increase the risk of dangerous side effects or make ketamine unsafe.

For more information about ketamine, visit https://madeforthismoment.asahq.org/pain-management/ketamine/.

5 ways to improve airflow in multifamily homes

2026-08-20T09:01:00

(BPT) – Key takeaways:

  • Proper ventilation is critical for the comfort and health of residents in multifamily constructions.
  • Builders and contractors should carefully consider ways to improve airflow and indoor air quality without overcomplicating construction and installation.
  • The Panasonic WhisperFresh line meets the needs of builders and residents.

When it comes to single-family and multifamily construction, ventilation cannot be overlooked. Without proper ventilation, individual units, common areas and other spaces in the building can become stale, hot and humid. Considering that Americans spend approximately 90% of their time indoors, proper ventilation is one of the cornerstones of the success of a high-density residential building project.

For builders and contractors, strategies that optimize airflow and indoor air quality (IAQ) can make a huge difference in residents’ comfort and health as well as a building’s long-term performance. Here are five key ways developers can improve airflow across every unit of a multifamily project.

Prioritize consistent fresh-air delivery

Achieving balanced airflow in every unit of a multifamily building is critical for the comfort of all residents. When ventilation is uneven, you’ll end up with some units starved of fresh air and others overventilated, leading to discomfort and inconsistent air quality across the property.

To ensure building residents receive consistent fresh air in their units, builders and contractors should consider sourcing continuous-supply fans with precise cubic feet per minute (CFM) control. This feature ensures that fresh, outside air is delivered directly to each unit, maintaining consistent IAQ from the ground floor to the penthouse.

Design with tighter building envelopes in mind

Modern buildings are being built tighter than ever, improving energy efficiency and reducing air leakage. However, that tight envelope also means that fresh air cannot enter the building through cracks and gaps in walls and windows, leaving residents breathing stale air.

Without a well-designed mechanical air supply, you risk not only residents’ comfort but also code compliance. To complement the tightness of modern buildings and deliver the comfort and IAQ residents expect, look for supply fans designed with ASHRAE 62.2 code compliance in mind from the start.

Another detail to consider is humidity. Left unchecked, trapped moisture encourages mold growth, compromising residents’ IAQ and building integrity. This is of particular concern in hot, humid climates like Texas, the Gulf Coast and California, where climate control drives code compliance and comfort. Prioritize ventilation solutions that deliver enhanced climate-control performance with humidity and temperature sensing.

Don’t overlook noise control

One of the primary reasons occupants tamper with or turn off mechanical ventilation systems is operational noise. It’s not enough for a fan to perform well. Fans that operate quietly are essential in residential environments where bedrooms and living spaces sit in close proximity to mechanical equipment.

Contractors should prioritize supply fan models rated for ultralow sone levels, less than 1 sone. That’s quieter than even a running fridge. Installing quiet equipment protects indoor comfort, ensures residents leave systems running as designed and minimizes noise complaints post-turnover.

Modern buildings are being built tighter than ever, improving energy efficiency and reducing air leakage. However, that tight envelope also means that fresh air cannot enter the building through cracks and gaps in walls and windows, leaving residents breathing stale air.

Plan for flexibility and scalability

Multifamily developments and single-family homes vary widely in layout and size, not just building by building. A single project might feature a mix of studio apartments, three-bedroom townhomes, in-law suites and sprawling corner units. Instead of sourcing different fan models to accommodate multiple layouts and unit sizes, choose flexible, scalable ventilation systems.

When sourcing supply ventilation systems, make sure the models you’re considering offer versatile mounting options so that you can place the fan unit horizontally or vertically on a wall or ceiling. Also, look for models with simplified electrical integration so you can install them without worrying about proprietary wiring requirements. Combined, these features will enable easier installation in high-volume multifamily construction, regardless of size or layout.

Choose solutions built for long-term performance

After a building is finished and the residents have moved in, performing frequent maintenance in individual units can be challenging, disruptive and ultimately costly. That’s why choosing durable, easy-to-maintain ventilation is crucial to the long-term performance of any multifamily building.

Look for options with features that can reduce downtime and operating costs over the life of the building. For example, supply fans that feature access doors provide residents with easy filter access without requiring a service call. Choosing a model that uses a standard filter also simplifies the process for residents and building owners today and down the line.

Sourcing for success

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Finding fresh-air mechanical ventilation systems for multifamily projects doesn’t have to be difficult. When searching for solutions that meet the above criteria, consider models from the Panasonic WhisperFresh® line.

The line includes three ventilation solutions — the original WhisperFresh® Select, as well as two new additions to the family: WhisperFresh® and WhisperFresh® Plus. All three models offer simplified compliance thanks to built-in FID displays, ASHRAE 62.2 Support, ENERGY STAR® certification and HVI certification. The line is also designed for easy installation, featuring flexible mounting options, a simplified hardwired design, a paintable access door and standard filters. And as the name suggests, these ventilation solutions are whisper-quiet, operating at less than 0.3 sones.

For builders seeking climate performance, the Plus and Select models include humidity and temperature sensing. The captured real-time environmental data gives builders performance visibility and control to meet evolving codes and residents’ expectations.

“Our expansion of the WhisperFresh line was done with builders, contractors and multifamily developers in mind,” said Leon van Oostende, Group Sales Manager at Panasonic Eco Systems. “And it couldn’t have come at a better time. Across the country, energy codes are tightening, and ventilation requirements are becoming more complex than ever. With our three-tiered platform, builders can find the code-compliant model that best fits their project needs, from entry-level to climate-adaptive options.”

For more information about Panasonic indoor air quality solutions, visit: https://iaq.na.panasonic.com/.

When is a good time to buy a house?

2026-08-17T09:01:00

(BPT) – You’ve saved up a down payment, and you’re ready to buy a home. But before you talk to a real estate agent or start visiting open houses, you’re probably asking yourself, “Is it a good time to buy a house right now?”

The best time to buy a house is different for everyone. Instead of waiting for rates to drop or prices to cool, the better question is, “Am I ready to buy a house?” When your finances are solid and the numbers work for your life, a good time to buy isn’t something you wait for. It’s something you build toward.

Here are some simple steps from Navy Federal Credit Union to help you get started on your homebuying journey.

1. Check your credit.

Pull your free credit report at AnnualCreditReport.com and look for errors, outstanding balances or accounts in collections. Dispute any inaccuracies and pay down high balances where you can. If your credit needs improvement, it often takes some time for changes to be reflected, typically 3 to 6 months, before applying. Small improvements can help strengthen your application and support more favorable loan terms.

2. Build your budget.

Start with what you’ve saved, then subtract your estimated closing costs and moving expenses. From there, determine a down payment that still leaves room for financial flexibility and other homeownership expenses. From there, use a mortgage calculator to estimate your monthly mortgage payment based on factors like your down payment, credit profile and loan details — not just the maximum amount you may qualify for. Make sure to factor in property taxes, homeowners’ insurance and enough to cover utilities.

3. Compare lenders and get preapproved

A preapproval letter shows sellers you’re serious and tells you exactly how much you can borrow. To get preapproved, you’ll typically need recent pay stubs, 2 years of tax returns, bank statements and a valid ID. Shop with at least 2 or 3 mortgage lenders to compare rates and fees before you commit.

4. Research local market trends

Look at active listings, recent home sales and average days on market in the neighborhoods you’re targeting. Notice whether homes are selling above or below the asking price — that tells you a lot about competition. A local real estate agent can help you read the signals and move quickly when the right home comes along.

5. Find the right loan for your financial situation

Conventional mortgages, FHA loans, VA loans and adjustable-rate mortgages each offer different features. Exploring how they work can help you choose an option that aligns with your financial situation and plans. If you’re an Active Duty Servicemember or Veteran, a VA loan may allow you to buy with no down payment1 and no private mortgage insurance. It’s worth exploring all your options before you decide.

6. Make a home purchase with confidence

When your finances are solid, your preapproval is in hand and you find a home that fits your budget and your life, that may be a good time to buy. Don’t wait for perfect conditions — wait for what works for you.

This content is intended to provide general information and should not be considered legal, tax or financial advice. It is always a good idea to consult a tax or financial advisor for specific information on how certain laws apply to your situation and about your individual financial situation. Navy Federal Credit Union is federally insured by NCUA. Equal Housing Lender.

1100% financing subject to all VA rules, guidelines, and additional program requirements. All loans subject to approval. VA loans may include a funding fee, which may be financed up to the maximum allowed loan amount. Navy Federal has no affiliation with U.S. Department of Veterans Affairs or any other government agency.

How today’s earned media can boost AI visibility

2026-08-17T09:01:00

(BPT) – Key takeaways

  • Widespread use of AI search engines has dramatically altered how consumers discover brands.
  • Regardless of whether it’s sponsored or earned, AI systems evaluate a brand’s content by its credibility, authority, consistency and frequency.
  • PR and MarCom professionals who want better brand visibility need to follow this change in brand discovery via earned and editorial content in credible publications.
  • Brandpoint Optimize helps brands increase their AI visibility through quality content, trusted syndication and credible third-party validation.

By Stacy Stusynski, Chief Commercial Officer, Brandpoint

Today, AI speaks for your brand every day by evaluating and summarizing (or ignoring) your existing content on behalf of consumers. The AI search takeover has fundamentally changed the visibility of your brand, whether you’ve invested in this process or not.

Historically, the PR industry defined earned media this way: A journalist chose to cover a story someone pitched with no payment and no guarantee, just the credibility of a third party deciding your story was worth telling.

While that definition remains, it’s just part of the picture. In 2026, earned media means any third-party content that signals credibility and authority to audiences, and to algorithms that decide what content is trusted, cited and recommended.

How AI search has impacted PR and MarCom strategy

Throughout my career, technology has changed how consumers discover and evaluate products. When consumers’ discovery method shifts, brands that understand that change are the ones that succeed.

This is one of those moments. If you’re a communicator who hasn’t adapted to this change, you risk building strategies that are invisible to your target audiences.

Third-party validation through earned media is still one of the most powerful tools in a communicator’s toolbox. When credible publications cover your organization independently, this signal tells AI algorithms your content is valuable, before a human ever sees it.

Has AI search changed branded content’s value?

AI has become the new customer voice. AI systems evaluate content differently from human readers. They don’t consider how a placement was procured. Instead, AI systems assess whether the information appears on credible, authoritative sources, if key messages are reinforced consistently across the web, and if signals across those sources indicate genuine expertise and trust.

Almost 3 in 4 consumers (70%) use AI-powered tools including ChatGPT, Claude and Gemini during their product research and decision-making process, according to Bain & Company.

When making searches, consumers let LLMs do the work in the search platform itself, instead of clicking through results one at a time. In today’s zero-click environment, brands should strive to be THE answer to consumer queries.

AI doesn’t separate branded content from paid or earned. Instead, it looks for crucial signals like:

  • Authority: A source recognized as knowledgeable on a topic
  • Consistency: The same message reinforced across multiple trusted sources
  • Recency: Current, updated information
  • Credibility: Content from reputable publishers, organizations or experts
  • Frequency: A brand, topic or perspective repeated over time

Placement in credible publications shapes how an AI system responds when someone asks a question in your category, even if no one ever clicks on that article.

How to increase brand visibility

Visibility is now a competitive metric. PR success used to be measured by coverage, reach and traffic. Those metrics still matter, but AI introduces a new layer of value most PR and MarCom professionals weren’t trained to think about: visibility as a signal.

I’ve measured consumer behavior across dozens of product categories and hundreds of campaigns. The pattern is always the same: Brands that show up consistently over time, in the right places with the right message, earn consumer trust.

AI learns the same way: Placement in credible publications shapes how an AI system responds when someone asks a question in your category, even if no one ever clicks on that article.

Consistent presence across trusted sources matters more than ever. A single piece of great coverage is a win. But a consistent footprint of credible, authoritative content, earned and editorial alike, shapes how AI understands and represents your brand.

Next steps for communicators

To learn from this change and build on it, your strategy needs to expand the frame:

  • Prioritize authoritative placements. Publications don’t carry equal weight. Focus on placements in outlets recognized by AI as credible, well-indexed sources.
  • Coordinate earned and editorial content. Earned coverage validates authority through independent voices. Editorial-quality sponsored content, placed in trusted publications, reinforces authority by expanding your footprint into the same credible spaces. Using both consistently compounds their impact, building multi-source authority that AI systems will recognize and cite.
  • Create consistent messaging. Key messages, reinforced consistently across earned, owned and editorial channels, are recognized by AI as patterns of authority.
  • Focus on frequency. AI learns to trust organizations that show up on trusted sources repeatedly, over time.

These insights drove Brandpoint to develop Brandpoint Optimize, which helps brands build stronger AI visibility and increased audience engagement through quality content, trusted distribution, credible third-party validation and visibility insights to help brands understand how they’re being discovered.

Brandpoint Optimize combines all of these elements through:

  • Editorial-quality branded content created for audiences and AI systems.
  • Syndication on over 3,000 news and media publications.
  • Earned media support that reinforces authority signals.
  • AI visibility reporting and insights.

Brandpoint Optimize is one part of our larger roadmap helping PR and MarCom pros monitor their AI visibility and make strategic decisions to stay relevant to LLMs and audiences.

How communicators can leverage this shift

What have PR and marketing professionals always done? Build credibility, establish authority and create consistent presence in publications that audiences trust. This new version of earned media — real, third-party validation in authoritative sources regardless of procurement — is also what AI recognizes and values.

The signals MarCom and PR pros have been building for decades are the exact signals that determine whether a brand gets recommended, cited or ignored today.

Communicators who understand the value of credibility, consistency and trust will succeed in this era. This is our moment. And it’s only the beginning.