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Ohio University is celebrating Cybersecurity Awareness Month this week with information about securing your data and devices while traveling, a suggestion for a fun word scramble game and an invitation to a Coffee Chat.
In addition, we will continue to explore the Cybersecurity and Infrastructure Security Agency’s Four Easy Ways to Stay Safe Online and expand on this guidance with the week’s activities. 
Planning to work while traveling? Be sure to check out this article to make sure your devices and data are secure while you are on the go.
In this game, unscramble the letters to identify a cybersecurity term. Once you have solved each word, you will be entered to win a prize from the Information Security Office.
Join a virtual session from 8:30–10 a.m. as the organizers provide an overview of a new program offered to OHIO operating units called Security Scorecard.
As part of their risk management program, the Information Security Office has developed an Information Security Scorecard. The purpose of the Information Security Scorecard is to relay the information security posture of Ohio University business units and colleges to their respective leadership. By joining this session, you will learn about the assessment process and be better prepared to complete the assessment.
Be sure to register to reserve your spot.
Help us prove that Bobcats are cyber smart by completing a short 5 question survey about your confidence with cybersecurity concepts. The school with the most participants wins, and all participants will be entered into a drawing to win a prize from the Information Security Office. 
To learn more about OHIO’s upcoming Cybersecurity Awareness activities, be sure to check out the University Calendar of Events and visit the OHIO Cybersecurity Awareness Month webpage.
© 2025 Ohio University. All rights reserved.

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1. Dow jumps 300 points as bank credit concerns and China trade tensions ease: Live updates  CNBC
2. Wall Street banks regain ground after global rout on credit worries  Reuters
3. ‘The tide went out’: How a string of bad loans has bank investors hunting for hidden risks  CNBC
4. Stock market today: Dow, S&P 500, Nasdaq futures fall as uncertainty clouds markets  Yahoo Finance
5. Investors Shudder at Signs of Loan Trouble in Banks  The New York Times

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The Pennsylvania Lottery offers several draw games for those aiming to win big. Here’s a look at Thursday, Oct. 16, 2025 results for each game:
Day: 0-0, Wild: 8
Evening: 7-2, Wild: 7
Check Pick 2 payouts and previous drawings here.
Day: 4-6-7, Wild: 8
Evening: 8-4-3, Wild: 7
Check Pick 3 payouts and previous drawings here.
Day: 9-9-0-5, Wild: 8
Evening: 5-1-0-8, Wild: 7
Check Pick 4 payouts and previous drawings here.
Day: 5-3-1-1-9, Wild: 8
Evening: 9-4-0-7-0, Wild: 7
Check Pick 5 payouts and previous drawings here.
12-29-47-48-58, Cash Ball: 03
Check Cash4Life payouts and previous drawings here.
06-25-29-36-37
Check Cash 5 payouts and previous drawings here.
03-13-22-27-30
Check Treasure Hunt payouts and previous drawings here.
08-20-29-30-33-48
Check Match 6 Lotto payouts and previous drawings here.
Feeling lucky? Explore the latest lottery news & results
Lottery Headquarters is currently not open to the public. Visit the PA Lottery website for other office locations near you.
This results page was generated automatically using information from TinBu and a template written and reviewed by a Pennsylvania editor. You can send feedback using this form.

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Clear to partly cloudy. Low 32F. Winds ENE at 5 to 10 mph..
Clear to partly cloudy. Low 32F. Winds ENE at 5 to 10 mph.
Updated: October 17, 2025 @ 3:03 pm

Bitcoin-backed loans are really gaining popularity as a fast alternative to traditional loans. While offering speed and convenience, the movement sharpens the focus on the risks and volatility of custodianship.
Using digital assets to offer collateral has really opened new opportunities within the global lending market. With its decentralized nature, Bitcoin has been at the forefront of these assets. Nonetheless, the trade-off between speed, flexibility and vulnerability to market variability remains a concern for institutions and individuals.
The possibility of using Bitcoin as collateral in fiat/stablecoin loans has become increasingly popular among all loan providers. Unlike in the traditional system, where creditworthiness is based on revenue or history, these sites base their suitability mostly on the value of assets. Such a system saves time on the verification and increases accessibility in different regions of the world, particularly in places where traditional banking is undeveloped. The structure of the Bitcoin loans is to have a certain amount of digital assets collateralized in escrow and give the borrower a part of the amount in fiat or stablecoin. When the underlying Bitcoin drops below a certain loan-to-value, liquidation terms are usually enforced to ensure the protection of the lender’s capital. This structuring has a direct relationship between asset volatility and the borrower’s exposure to risk.
Utilization rates for crypto-backed loans increased proportionally with the growing use of digital assets. They appeal to investors interested in holding digital assets in the long run without selling them, yet still wanting to attain liquidity for different reasons. The setback, however, is the volatility of the digital assets market and the technological nature of the systems using smart contracts.
One of the central problems with using Bitcoin as collateral is the highly volatile price activity. In the course of a few hours, the market price of Bitcoin might change considerably, thus altering the loan-to-value ratio and triggering forced unwinding. This introduces an element of unpredictability unlike any other, even for the borrower who is confident about the long-term trajectory of their digital assets.
Specific sites employ computerized tracking systems that automatically place margin calls when the collateral’s value exceeds preset threat thresholds. Margin calls give the borrower an interval to increase the collateral or decrease the amount borrowed. However, without taking action within this time frame, the computer sells the pledged Bitcoin at a lower market rate.
While designed to secure the lender’s position, this system could lead to unexpected losses for the borrower. A traditional secured loan, in which assets such as real estate or vehicles maintain relatively stable value, is unlike Bitcoin loans because the latter are subjected to fast market movements. Real-time awareness and risk planning become essential ingredients of borrowing strategies.
Aside from market forces, custodial arrangements also establish the risk profile for Bitcoin-backed loans. Some sites require storing the collateral in centralized wallets or third-party custodians. This centralization entails potential vulnerabilities ranging from internal mismanagement to hacks. In the worst-case scenario, the custodian’s wallet is hacked, causing lenders and debtors to lose money.
Specific decentralized protocols even strive to mitigate these risks using smart contracts that mechanize collateral lockup and release. However, the security of smart contracts is limited by the code that underlies them. Any bugs, exploits or faults in the code base result in asset loss, as witnessed in many key breaches in the decentralized finance space.
Furthermore, the collateral management rules might differ between the lending platforms, including varying custody period lengths, withdrawal charges and variable margin call automation. Due diligence is essential when reviewing any Bitcoin loan offerings platform’s technological and operating protection methods.
Another facet of complexity within Bitcoin-backed lending is the variation between territories in the legality and compliance requirements. While some territories license and permit the activity within the existing financial legislation, others lack an organized regulatory framework or place blanket bans.
This inequality impacts the nature and availability of crypto-backed loans across different markets. While some sites utilize IP geolocation for blocking, others cater to the entire world with low friction. Non-uniformity exacerbates problems for the borrower and lender regarding understanding these financial transactions’ risks, rights and responsibilities.
Furthermore, if standardized rules are lacking, the accessibility of legal remedies in the event of a dispute is erratic. This might lead to uncertainty, especially in cross-border loans where the parties are governed by varying regulatory regimes.
It is an alternative for freeing liquidity without foregoing long-term asset exposure for most. It is most popular in bullish market phases, where selling might mean foregoing future returns. Crypto-backed loans function to gain capital without making a taxable event or losing possession of assets.
However, the downside risk has to be taken into account. Although Bitcoin’s price is bullish in the longer term, it remains prone to radical corrections. Collateral lenders must factor these potential price movements in and decide if the short-term liquidity is worth the permanent risks of losing assets.
Some sites are only beginning to introduce facilities like over-collateralization, multi-collateralization and even collateral insurance to address these risks. However, these instruments entail further layers of complexity that rely upon technological literacy and users’ anticipatory monitoring.

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The New Jersey Lottery offers multiple draw games for people looking to strike it rich. Here’s a look at Oct. 16, 2025, results for each game:
Midday: 3-7-6, Fireball: 7
Evening: 3-3-8, Fireball: 6
Check Pick-3 payouts and previous drawings here.
Midday: 1-0-8-5, Fireball: 7
Evening: 3-9-4-5, Fireball: 6
Check Pick-4 payouts and previous drawings here.
01-19-20-26-43, Xtra: 02
Check Jersey Cash 5 payouts and previous drawings here.
12-29-47-48-58, Cash Ball: 03
Check Cash4Life payouts and previous drawings here.
Beware: No, a lottery jackpot winner isn’t giving you money. How to spot a scammer
06-08-32-37-40-41
Check Pick-6 payouts and previous drawings here.
Drawings are held every four minutes. Check winning numbers here.
Drawings are held every four minutes. Check winning numbers here.
Feeling lucky? Explore the latest lottery news & results
Winning lottery numbers are sponsored by Jackpocket, the official digital lottery courier of the USA TODAY Network.
Tickets can be purchased in person at gas stations, convenience stores and grocery stores. Some airport terminals may also sell lottery tickets.
You can also order tickets online through Jackpocket, the official digital lottery courier of the USA TODAY Network, in these U.S. states and territories: Arizona, Arkansas, Colorado, Idaho, Maine, Massachusetts, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, New York, Ohio, Oregon, Puerto Rico, Washington D.C., and West Virginia. The Jackpocket app allows you to pick your lottery game and numbers, place your order, see your ticket and collect your winnings all using your phone or home computer.
Jackpocket is the official digital lottery courier of the USA TODAY Network. Gannett may earn revenue for audience referrals to Jackpocket services. GAMBLING PROBLEM? CALL 1-800-GAMBLER, Call 877-8-HOPENY/text HOPENY (467369) (NY). 18+ (19+ in NE, 21+ in AZ). Physically present where Jackpocket operates. Jackpocket is not affiliated with any State Lottery. Eligibility Restrictions apply. Void where prohibited. Terms: jackpocket.com/tos.
This results page was generated automatically using information from TinBu and a template written and reviewed by a New Jersey Sr Breaking News Editor. You can send feedback using this form.

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Bitcoin, Ethereum and XRP Bleed as Traders Weigh End of 4-Year Cycle
$106,813.00
$3,844.46
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While some market observers believe that the traditional crypto four-year cycle is about to be broken, analysts told Decrypt this week that they believe some traders are still following the classic rulebook—and selling due to the expectation of falling prices ahead.
That cohort may be partly accounting for crypto’s weekly decline, with Bitcoin dropping over 9%, Ethereum falling 6%, and XRP showing a 15% dive—with some altcoins down even worse. Crypto prices plunged last Friday following President Trump’s latest China tariffs threat, prompting a record $19 billion worth of daily liquidations, and have ticked down further this week.
Historically, Bitcoin’s price movements have followed a four-year cycle, often soaring one year after its halving—the quadrennial slashing of BTC miner rewards that’s baked into Bitcoin’s code—and then crashing soon after.
“THERE IS NO FOUR YEAR CYCLE ANYMORE!” pic.twitter.com/dOGyoCDqme
— Mr. Frog (@TheMisterFrog) August 1, 2025

With Bitcoin setting a then-record price of $67,000 in November 2021 before declining in the months thereafter, that should mean that the cycle is soon coming to an end. And some traders may be betting on that outcome.
“I believe some of the sell-off is due to a cohort of market participants stuck to the four-year cycle,” Matthew Nay, a research analyst at Messari, told Decrypt. “If you look at the timing, it's almost exactly four years since we topped last cycle, and when you throw in trade war uncertainty, it allows them to defend their positions more aggressively.”
Jonathan Morgan, the lead crypto analyst at trading app Stocktwits, added that this is likely the result of “mechanical selling” from traders who simply buy and sell based on the expectation of a four-year cycle.
“A lot of retail still trades off that old playbook: buy before the halving, sell when it doesn’t moon,” Jasper De Maere, desk strategist at Wintermute, told Decrypt. “When BTC underperforms post-halving, it shakes their conviction, and you get some forced selling.”
“But in my opinion, that strategy’s outdated,” he added. “The halving just doesn’t move the needle anymore; miner rewards are tiny compared to total trading volume.”
De Maere isn’t alone in this thinking. Nay from Messari, for example, said that his personal belief is that Bitcoin could return to all-time highs before the end of the year. Other analysts previously told Decrypt that they expect the cycle will be broken, thanks in part to growing Wall Street and institutional adoption, along with a trend-breaking fresh high price being set before last year’s halving.
Cycle skeptics argue that the crypto landscape has evolved beyond it due to its convergence with traditional finance, the growing value and importance of altcoins, and the lessened impact that miners have on Bitcoin’s supply. It’s simply not the same industry anymore.
“I respect anyone who has structure, but the halving model is basically an echo of a younger market,” Morgan from Stocktwits said. “Back when miner rewards dictated supply, it mattered. Now, ETFs, institutional flow, and derivatives dwarf that effect. “
There’s also a plethora of other factors to consider when dissecting crypto’s recent decline. Just last week, for example, the biggest liquidation event in crypto history took place on the back of President Trump reigniting his trade war with China.
“Personally, I think while [the four-year cycle] is an interesting concept,” De Maere added, “the core drivers once used to explain the dynamic of the four-year cycle have just become more irrelevant as BTC and our entire space matures.”
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© A next-generation media company. 2025 Decrypt Media, Inc.

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Ocala-News.com
News, photos, accident and crime reports in Ocala, Florida
Two lottery tickets each worth over $100,000 were sold over the past week at grocery stores just north of Marion County.
The Fantasy 5 tickets were purchased at a Publix (5801 SW 75th Street, Gainesville) and Winn-Dixie (901 U.S. Hwy 19 S, Palatka) that are both less than 20 miles north of Marion County.
According to records maintained by the Florida Lottery, the ticket in Alachua County for the evening running of the game on October 8 was worth $113,722.88. That ticket was claimed by Gainesville resident Monica Denise Adams, who chose the cash option.
The winning ticket sold in Palatka was for the evening drawing on Monday, October 13.
That ticket is worth $103,616.67 and, as of Wednesday morning, it has not yet been claimed.
The Fantasy 5 lottery game is drawn twice every day at 1:05 p.m. and 11:15 p.m. Tickets may be purchased up until 20 minutes before the drawing.

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The Arizona Lottery offers multiple draw games for those aiming to win big. Here’s a look at Thursday, Oct. 16, 2025 results for each game:
3-8-0
Check Pick 3 payouts and previous drawings here.
01-03-15-18-32
Check Fantasy 5 payouts and previous drawings here.
04-05-08-21-24-33
Check Triple Twist payouts and previous drawings here.
Feeling lucky? Explore the latest lottery news and results
Powerball drawings are at 7:59 p.m. Arizona time on Mondays, Wednesdays and Saturdays.
In Arizona, Powerball tickets cost $2 per game, according to the Arizona Lottery.
To play, select five numbers from 1 to 69 for the white balls, then select one number from 1 to 26 for the red Powerball.
You can choose your lucky numbers on a play slip or let the lottery terminal randomly pick your numbers.
To win, match one of the 9 Ways to Win:
There’s a chance to have your winnings increased two, three, four, five and 10 times through the Power Play for an additional $1 per play. Players can multiply non-jackpot wins up to 10 times when the jackpot is $150 million or less.
All Arizona Lottery retailers will redeem prizes up to $100 and may redeem winnings up to $599. For prizes over $599, winners can submit winning tickets through the mail or in person at Arizona Lottery offices. By mail, send a winner claim form, winning lottery ticket and a copy of a government-issued ID to P.O. Box 2913, Phoenix, AZ 85062.
To submit in person, sign the back of your ticket, fill out a winner claim form and deliver the form, along with the ticket and government-issued ID to any of these locations:
Phoenix Arizona Lottery Office: 4740 E. University Drive, Phoenix, AZ 85034, 480-921-4400. Hours: 7:30 a.m. to 5 p.m. Monday through Friday, closed holidays. This office can cash prizes of any amount.
Tucson Arizona Lottery Office: 2955 E. Grant Road, Tucson, AZ 85716, 520-628-5107. Hours: 7:30 a.m. to 5 p.m. Monday through Friday, closed holidays. This office can cash prizes of any amount.
Phoenix Sky Harbor Lottery Office: Terminal 4 Baggage Claim, 3400 E. Sky Harbor Blvd., Phoenix, AZ 85034, 480-921-4424. Hours: 8:30 a.m. to 5 p.m. Monday through Sunday, closed holidays. This office can cash prizes up to $49,999.
Kingman Arizona Lottery Office: Inside Walmart, 3396 Stockton Hill Road, Kingman, AZ 86409, 928-753-8808. Hours: 8 a.m. to 8 p.m. Monday through Friday, 8:30 a.m. to 5 p.m. Saturday and Sunday, closed holidays. This office can cash prizes up to $49,999.
Check previous winning numbers and payouts at https://www.arizonalottery.com/.
Winning lottery numbers are sponsored by Jackpocket, the official digital lottery courier of the USA TODAY Network.
Tickets can be purchased in person at gas stations, convenience stores and grocery stores. Some airport terminals may also sell lottery tickets.
You can also order tickets online through Jackpocket, the official digital lottery courier of the USA TODAY Network, in these U.S. states and territories: Arizona, Arkansas, Colorado, Idaho, Maine, Massachusetts, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, New York, Ohio, Oregon, Puerto Rico, Washington D.C., and West Virginia. The Jackpocket app allows you to pick your lottery game and numbers, place your order, see your ticket and collect your winnings all using your phone or home computer.
Jackpocket is the official digital lottery courier of the USA TODAY Network. Gannett may earn revenue for audience referrals to Jackpocket services. GAMBLING PROBLEM? CALL 1-800-GAMBLER, Call 877-8-HOPENY/text HOPENY (467369) (NY). 18+ (19+ in NE, 21+ in AZ). Physically present where Jackpocket operates. Jackpocket is not affiliated with any State Lottery. Eligibility Restrictions apply. Void where prohibited. Terms: jackpocket.com/tos.
This results page was generated automatically using information from TinBu and a template written and reviewed by an Arizona Republic editor. You can send feedback using this form.

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Zameer is a financial analyst and writer with a particular interest in cryptocurrency markets. He has been studying cryptocurrencies and their market behavior for several years and deeply understands the factors that affect the price of cryptocurrencies. His expertise lies in his ability to use both technical and fundamental analysis to make informed predictions about the future direction of cryptocurrency prices. He has a strong understanding of market sentiment and uses this to inform his trading decisions and price predictions.
Writer by choice, CryptoCurrency Writer, and Researcher by chance. Currently, focusing on financial news and analysis, as well as cryptocurrency news and data. One may not call me a crypto “Enthusiast” but trust me I’m getting there.
The new updates will make app creation more accessible and customizable for Pi pioneers
It now allows users to AI-generate logos and welcome messages from their chat box and custom apps.
Pi coin is currently trading at $0.2020
Pi Network made a huge development on Pi Studio by updating its customization feature on Thursday. The new improvements are designed to make app creation more accessible and customizable that seamlessly integrating with the Pi ecosystem. This update enhances both user and creator experiences, deepening the community engagement. 
According to a blog post, the key highlight of this update is that the Pi Studio is now directly accessible via the top navigation bar in Pi Desktop, next to the mining app and node. This replaces its former position in the Utilities tab, simplifying access for creators. 
Along with that, Pi has also expanded AI (artificial intelligence) integration in the ecosystem. It now allows users to AI-generate logos and welcome messages from their chat box and custom apps. The newly introduced tools promote flexibility and speed in app development. A redesigned ‘Discovery Apps’ feature has also been introduced, which allows pioneers to vote on and stake Pi for community apps.  
Pi Network wrote, “Together, these updates strengthen Pi App Studio’s role as an accessible, AI-assisted environment for scalable app creation within the Pi ecosystem.” 
Pi coin is currently trading at $0.2020, which is 11.2% lower compared to its value a week ago. The token shows a severe bearish trend, hovering dangerously low to its new all-time low price. 
Despite all the efforts that Pi experts have put in this year to expand the network’s ecosystem and enhance user experience, the token continues to fall. So, the outcome of this new catalyst in the Pi network remains uncertain and yet to be seen by the users. 
Dr Altcoin, a crypto expert, says this new update empowers Pi pioneers to fully customize and create their own functional business apps at a very low cost of under 2 Pi coins. He revealed that the network has already launched 24,000 apps, which in itself is a great milestone and showcases strong adoption. 
He said, “It remains one of the greatest opportunities ever offered to the Pi community, empowering anyone to build a functional business app for less than 2 Pi.” 
Stay ahead with breaking news, expert analysis, and real-time updates on the latest trends in Bitcoin, altcoins, DeFi, NFTs, and more.
The new Pi Studio update adds AI tools, faster customization, and easier access through Pi Desktop, making app creation simpler for all Pi users.
Pi Studio is now available directly on the top navigation bar next to the mining app and node, replacing its old spot in the Utilities tab.
While the update may attract more developers and users, Pi’s price impact remains uncertain as the token continues to face bearish pressure.
CoinPedia has been delivering accurate and timely cryptocurrency and blockchain updates since 2017. All content is created by our expert panel of analysts and journalists, following strict Editorial Guidelines based on E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness). Every article is fact-checked against reputable sources to ensure accuracy, transparency, and reliability. Our review policy guarantees unbiased evaluations when recommending exchanges, platforms, or tools. We strive to provide timely updates about everything crypto & blockchain, right from startups to industry majors.
All opinions and insights shared represent the author’s own views on current market conditions. Please do your own research before making investment decisions. Neither the writer nor the publication assumes responsibility for your financial choices.
Sponsored content and affiliate links may appear on our site. Advertisements are marked clearly, and our editorial content remains entirely independent from our ad partners.

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Wayne County woman asks ChatGPT to pick her lottery numbers, wins $100K  ClickOnDetroit
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