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Vic

Genesis 1:3 “In the beginning, God prepared, formed, fashioned, and created the heavens and the Earth. The Earth was without form and an empty waste, and darkness was upon the face of the very great deep. The Spirit of God was moving, hovering, brewing over the face of the waters, and God said, Let there be light…” … and it was so. An event marking the beginning of time and matter as we know it. What was before and what it will be at the end of the age is unknown. The greatest of minds offer speculation but we choose to wait upon the Lord. What we now know in part will be made known in full in the His timing. We trust in Him, knowing He will make things clear. For now, our focus is on the power of His Word as it brought everything into existence. He spoke the Light…And everything after it, into being. Light and Life appear at His command. John explains “In the beginning, before all time, was the Word, and the Word was with God, and the word was God Himself.” And “All things were made, and came into existence through Him…“. And “…the Word became flesh and lived a while among us and we actually saw His glory…“. He tells us He is I AM, He reveals His unlimited power and authority over all things. Light obeys His command. Power emanates from Him through His Word. We pull it all together. Nothing separates Him from Who He is, what He says. We move past considering the power that created the heavens and the Earth, and realize that first day was about speaking into existence…creating a light to shine in the darkness. What is the purpose of the Light if not to chase away the darkness, if not to reveal hidden things, if not to bring forth life and growth? While this light separates day from night, we begin to compare it to the spiritual realm and what we know about the importance of the Light, how much we need it, Who the Light is and the power it has to keep us from walking in darkness. Light, do we crave it? Do we follow it? Do we use it as a guide in keeping us out of the

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Business A new banking rule defining an unsafe practice takes effect November 2 By Brian Lund, Federal banking regulators have rewritten one of the oldest and vaguest phrases in bank oversight: “unsafe or unsound practice.” For decades, examiners leaned on that phrase to flag almost anything about how a bank ran itself, from thin paperwork to slow fraud controls, often without a fixed legal definition to point back to. A new final rule from two of the country’s top bank regulators narrows that authority so it focuses on risks that could actually hurt a bank’s finances or drain the federal fund that insures deposits. The change does not touch anyone’s checking or savings account directly, but it resets how closely, and for what reasons, the bank holding that money gets examined. A Legal Definition for a Phrase Regulators Used to Improvise The Office of the Comptroller of the Currency and the Federal Deposit Insurance Corporation finalized the rule on August 27, 2026, and it becomes effective November 2, 2026, according to the Federal Register notice the agencies filed. The notice defines an “unsafe or unsound practice” as a practice, act, or failure to act that is contrary to generally accepted standards of prudent operation and is likely, if continued, to materially harm a bank’s financial condition or present a material risk of loss to the Deposit Insurance Fund, the reserve that backs insured deposits when a bank fails. Under the prior, undefined standard, examiners could cite banks over concerns that never touched a bank’s bottom line, including internal policies, documentation gaps, and reputational worries unrelated to financial condition. The new definition excludes reputation risk that has no financial component, and it requires a showing that harm is likely, not merely possible.

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