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Why guidelines regulating legal cannabis businesses may be doing more harm than good.

Matt Walstatter fell into the cannabis business like many people do; he got sick. Really sick.

In 2003, a bad case of flu and pneumonia turned into painful gastrointestinal symptoms that wouldn't go away. For 10 years he vomited every day. He lost 50 pounds in the first six months.

After trying everything and seeing multiple doctors, acupuncturists, and naturopaths, cannabis was the only thing that provided relief. He applied for the Oregon Medical Marijuana Program to grow cannabis for himself and soon started growing for others. For nearly three years, he's run Pure Green dispensary in Portland, Oregon.


A "budtender" helps a customer at Pure Green dispensary (left). Walstatter (right). Photos via Matt Walstatter, used with permission.

As much as he enjoys his new career, it's not without challenges.

"I liken operating a cannabis business to running with ankle weights," Walstatter says, "because everything is a little harder."

Medical and recreational marijuana are legal in Oregon but not at the federal level, putting businesses like Walstatter's at odds with the government and the financial industry.

Cannabis-related businesses operate in a challenging limbo, able to grow, produce, and sell products but bound by piecemeal rules and regulations. Since marijuana is still an illegal Schedule I substance at the federal level (grouped together with the likes of heroin, LSD, and ecstasy), providing banking services for these entrepreneurs violates multiple federal statutes and laws including the Controlled Substance Act, the Bank Secrecy Act, and even the Patriot Act.

A vendor weighs buds for card-carrying medical marijuana patients at Los Angeles' first-ever cannabis farmer's market. Photo by Frederic J. Brown/AFP/Getty Images.

This means cannabis businesses often have to operate without routine banking services like checking accounts, payroll assistance, or credit cards and instead work entirely in cash.

"The biggest hassle is paying bills. Instead of just writing a check and being done with it, you have to walk and drive somewhere," Walstatter says. "Money moves from place to place, but most of the time it happens electronically. But when you don’t have a bank account, if you want money to get from point A to point B, you’ve gotta bring it there yourself.”

But it's more than an issue of inconvenience, it's a matter of feeling safe.

"You’re always at risk," says Sally Alworth, co-owner of Luminous Botanicals, a Portland-based company that makes natural medicinal cannabis serums. "Anybody who looks around and sees where you’re located and that you’re a cannabis business knows that you likely have a stockpile of cash on site, and even if it’s in a safe, it just feels like you’re a target. There’s a big bull's-eye on you."

And while dispensary robberies are rare, they do occur. In Portland last August, a dispensary owner was robbed, bound, and held at gunpoint in his own store. It's enough to keep proprietors on edge.

Jars of medical marijuana at Sunset Junction medical marijuana dispensary in Los Angeles. Photo by Kevork Djansezian/Getty Images.

Though zoning varies from state to state and region to region, cannabis businesses and dispensaries are located in every corner of Portland, with 100 licensed medical dispensaries in the county alone. No one is immune to the potential criminality.

"It feels like it creates a real risk to us and our business and our assets but also to the neighborhoods our businesses are operating in," Alworth says. "Once you have thieves in the neighborhood, you just don’t know what else they’re gonna do."

Traditional banking is happening in the industry, if you know where to look.

Walstatter says it’s happening very quietly.

Two years ago, the Financial Crimes Enforcement Network (FinCEN) part of the Department of the Treasury, gave banks permission to work with cannabis businesses and professionals as long as certain guidelines and provisions were met. Most national banks (think Chase or Wells Fargo) are chartered, regulated, and insured at the federal level. But smaller, local banks and credit unions are chartered at the state level and answer to state and federal regulators.

Different strains of marijuana for sale on a digital board at a dispensary in Eugene, Oregon. Photo by Andrew Caballero-Reynolds/AFP/Getty Images.

Since the legality of cannabis is still a state-to-state issue, some community banks are willing to take the risk, follow FinCEN guidance, and offer accounts to marijuana-related businesses or, as they're called in the financial industry, MRBs.

Walstatter works with a community bank to manage his funds but declined to share which one. "They actually make most clients sign an NDA for some reason," he says, likely out of fear of drawing unwanted attention from regulators.

But not every financial institution is so secretive about its forays into the industry.

"We saw it as a really good opportunity and the way to advance the medical research behind cannabis. We do think it has some medicinal benefits, but unfortunately the testing has been limited due to its federal illegalities," says Carmella Murphy Houston, vice president of business services for Washington-based Salal Credit Union.

Salal works with more than 300 MRBs in Washington and Oregon, most of them larger producers, processors, and retail businesses.

Per FinCEN guidelines, financial institutions that elect to work with MRBs have to vet and monitor the businesses closely to ensure none of the money is going toward criminal enterprises.

"We have monthly, quarterly, and annual ongoing monitoring that we do on the businesses as well," Houston says. The hefty monthly fees for the MRB accounts help offset the cost of this additional due diligence.

While some banks are willing to take the chance, it's simply not enough to manage the needs of a nearly $7 billion industry.

Less than 3% of the country's 11,954 federally regulated banks and credit unions service the cannabis industry, a total of 301 in 2016.

Photo by Frederic J. Brown/AFP/Getty Images.

Seven additional states legalized medical or recreational marijuana during the last election, bringing the total up to 28. This is quickly becoming an issue of national concern, and it's finally getting some attention in Washington, D.C.

The first week of January, Sen. Elizabeth Warren of Massachusetts led a cadre of senators to push FinCEN to issue additional guidance to banks wishing to work with MRBs.

"You make sure that people are really paying their taxes. You know that the money is not being diverted to some kind of criminal enterprise," Warren said recently, The Associated Press reported. "And it’s just a plain old safety issue. You don’t want people walking in with guns and masks and saying, 'Give me all your cash.'"

Sen. Elizabeth Warren (D-Massachusetts) speaks in Las Vegas. Photo by Ethan Miller/Getty Images.

Those in the cannabis business say these changes can't come soon enough.

For retailers and producers like Walstatter and Alworth, the uncertainty and challenges of the business are worth it to provide a product they believe in. A fix would mean big changes for their businesses and might allow them to focus on other challenging regulations like the tax code, which doesn't allow cannabis businesses to deduct typical business expenses like marketing or administrative costs.

"We’re transitioning from the black and grey markets, so there’s just obstacles and bumps that most businesses don’t encounter," Walstatter says. "Sure, you have to pay taxes like everybody else, but you don’t get to deduct anything. You wanna pay bills, you probably don’t have a bank account. We’re in the hyper-regulated environment, and about two or three times a year, the rules just change in a way that often turns our business model upside down."

Rules may change. Policies may shift. And with the new administration, the way legal marijuana (medical or otherwise) exists in this country may change dramatically. But Walstatter's been through worse. And he's not giving up now.

"We’ve made it this far," he says. "And we’re not turning back."

A man shops at Farma, a marijuana dispensary, in Portland, Oregon. Photo by Josh Edelson/AFP/Getty Images.

Joy

5 things that made us smile this week

Grab your tissues and read some seriously good news.

Grab your tissues and get ready for some seriously good news.

True

After a harrowing election season, we could all use an emotional pick-me-up. Thankfully, the internet never fails to deliver. Check out five uplifting stories we’ve found that made us smile this week.

Enjoy—and don't forget to share the love!

1. This toddler's adorable reaction

@vita.paskar This is when things start to get exciting 🥹 when they begin to understand! #fyp #christmas #target #toddler ♬ Rockin' Around The Christmas Tree - Brenda Lee

Victoria Paskar’s son Ellis had just been born last December, so when it came to appreciating the magic of the holiday season, it wasn't something he was really able to do. This year, however, that’s changed: In an adorable TikTok video, Paskar caught the moment when Ellis (now a toddler) notices the lit-up trees and holiday decorations. So magical and pure in every way.

2. More meals for seniors in need

Subaru - Share the Love Event and Meals on Wheels

Hunger is a national problem, and one that Subaru is helping to fix. Thanks to the Subaru Share the Love Event, Subaru has delivered more than 4.6 million meals and friendly visits to seniors facing hunger and isolation. Since 2008, Subaru is the largest automotive donor to Meals on Wheels—and they’re just getting started. With every new Subaru sale, Subaru and its retailers donate at least $300 to charities like Meals on Wheels.

3. This five-year-old piano prodigy brings down the house with Mozart

Alberto Cartuccia Cingolani wows audiences with his amazing musical talents.Pianoforte/Facebook

A clip of a five-year-old performing at the 10th International Music Competition in Italy is now going viral, and it’s no surprise why. To little to even reach the pedals with his feet, Alberto Cartuccia Cingolani still wows the audience with a masterful performance of a Mozart piece. According to his mother, Alberto had participated in seven national and international music competitions and won first place in all of them, all by the time he was four and a half. It’s like he’s channeling Amadeus himself.

4. An adopted man reunites with his bio mom and forms a "sweet" connection

Lenore Lindsey and Vamarr HunterABC 7 / YouTube

When 50-year-old Vamarr Hunter decided to take a genealogy test to find his biological mother, he had no idea how close he had already been to finding her. After a genealogy test, Hunter discovered that his mother, Lenore Lindsey, who had given him up for adoption as an infant, was actually the owner of “Give Me Some Sugar” in South Shore Chicago—Hunter’s favorite bakery. The two experienced an “immediate connection” after meeting, and after Lindsey suffered a stroke, Hunter stepped in to manage the bakery full-time. No, you’re crying.

5. A teacher uses AI to inspire her classroom

Now this is wholesome: An elementary teacher in Turkey named Gülümser Balci used artificial intelligence to create images of her students as their future selves in their dream jobs. Each kid is shocked and delighted to see themselves as adults, living out their dreams.

For more things that'll make you smile, check out all the ways Subaru is sharing the love this holiday season, here.

via TheEllenShow / YouTube

Mark Wahlberg on "The Ellen Show."

Four years ago, actor Mark Wahlberg attended a daddy-daughter dance with his then 10-year-old, Grace. Sadly, Grace had no interest in seeing her father strutting his stuff on the dance floor. "I didn't get one dance," Wahlberg told Ellen DeGeneres. "And I told her we were going to do the whole big circle and I was going to go off. And she said, 'Dad, if you embarrass me, I will never talk to you again.' But what she did do is she hung out with me."

No matter who your dad is, especially if you're a 10-year-old-girl, you have zero desire to see him dance in front of your friends. But the parents at the dance probably would have had a blast seeing Wahlberg bust out some of his old-school '90s Marky Mark moves. However, Wahlberg couldn't help but leave his mark on the music being played at the dance.

Let's not forget, he didn't get famous for his acting but for showing off his abs in the "Good Vibrations" video.

Being that Wahlberg's time as a pop star was three decades ago, he couldn't believe it when he heard the music being played at the dance.

"[Grace] sat there on the edge of the stage, by the DJ. And then I'm sitting there with one other dad and I'm like, 'This is not an edited version of this song. There are explicit lyrics being played at a school dance for girls and I'm like no good,'" he said.

"I told the DJ and he's like, 'Oh, I thought it was.' I said, 'What are you doing?' I'm hearing F-bombs and this and that's not okay," Wahlberg said.

He's right. There's no place for music with explicit lyrics at a dance for 10-year-old children.

Wahlberg says the DJ didn't know he wasn't playing the edited version, but it's probably more likely that he didn't even realize the song was a problem. Pop music these days is filled with a numbing amount of violent and misogynistic lyrics.

A recent study from the University of Missouri found that nearly one-third of pop songs contain lyrics that degrade or demean women by portraying them as submissive or sexually objectified.

Currently, three of the top five songs on the Billboard Top 40 contain the word "bitch." One of them is sung in Korean.

It's odd that Americans have become more sensitive to misogyny in pop culture in films, television, and comedy, but still have a huge cultural blind-spot when it comes to music.

That's not a good thing, especially when pop music is marketed to teenagers.

"We know that music has a strong impact on young people and how they view their role in society," said Cynthia Frisby, a professor in the Missouri School of Journalism.

"Unlike rap or hip-hop, pop music tends to have a bubbly, uplifting sound that is meant to draw listeners in," Frisby continued. "But that can be problematic if the lyrics beneath the sound are promoting violence and misogynistic behavior."

Let's face it, pop stars are role models. Their examples show young people what to wear and how to behave. That's not to say that kids will blindly follow someone just because they like their music. But it has an undeniable effect.

Wahlberg, and any parent who monitors what their kids are listening to, deserve credit for protecting the minds and hearts of their kids.

Frisby has some great advice for parents concerned about negative imagery in pop music.

"Ask your daughters and sons what songs they like to listen to and have conversations about how the songs might impact their identity," Frisby said.

"For example, many songs might make young girls feel like they have to look and act provocative in order to get a boy to like them, when that isn't necessarily the case. If children and teens understand that what they are hearing isn't healthy behavior, then they might be more likely to challenge what they hear on the radio."

He's right. There's no place for music with explicit lyrics at a dance for 10-year-old children.

Wahlberg says the DJ didn't know he wasn't playing the edited version, but it's probably more likely that he didn't even realize the song was a problem. Pop music these days is filled with a numbing amount of violent and misogynistic lyrics.

A recent study from the University of Missouri found that nearly one-third of pop songs contain lyrics that degrade or demean women by portraying them as submissive or sexually objectified.

Currently, three of the top five songs on the Billboard Top 40 contain the word "bitch." One of them is sung in Korean.

It's odd that Americans have become more sensitive to misogyny in pop culture in films, television, and comedy, but still have a huge cultural blind-spot when it comes to music.

That's not a good thing, especially when pop music is marketed to teenagers.

"We know that music has a strong impact on young people and how they view their role in society," said Cynthia Frisby, a professor in the Missouri School of Journalism.

"Unlike rap or hip-hop, pop music tends to have a bubbly, uplifting sound that is meant to draw listeners in," Frisby continued. "But that can be problematic if the lyrics beneath the sound are promoting violence and misogynistic behavior."

Let's face it, pop stars are role models. Their examples show young people what to wear and how to behave. That's not to say that kids will blindly follow someone just because they like their music. But it has an undeniable effect.

Wahlberg, and any parent who monitors what their kids are listening to, deserve credit for protecting the minds and hearts of their kids.

Frisby has some great advice for parents concerned about negative imagery in pop music.

"Ask your daughters and sons what songs they like to listen to and have conversations about how the songs might impact their identity," Frisby said.

"For example, many songs might make young girls feel like they have to look and act provocative in order to get a boy to like them, when that isn't necessarily the case. If children and teens understand that what they are hearing isn't healthy behavior, then they might be more likely to challenge what they hear on the radio."


This article originally appeared four years ago.

Joy

Dog owner dressed up as dog's favorite toy and his reaction was seriously adorable

The life-sized Mr. Quackers was almost too much joy for Charlie to handle.

Charlie the golden retriever got to experience a life-sized Mr. Quackers and it was sheer joy.

The first thing you need to know about Charlie the golden retriever is that he loves Mr. Quackers. Mr. Quackers is Charlie's stuffed yellow duck. Charlie carries him around everywhere, he loves him so.

@charliethegolden18

I always so happ to see my lil bro 😋 #dogsoftiktok #petsoftiktok #dogs #goldenretriever





Anyone who's had a dog with a favorite stuffy knows that it's a bit like a child with a favorite stuffy. As long as the stuffy is there, all is well. If stuffy goes missing, all hell breaks loose. Nobody take the stuffy away. Nobody lose the stuffy. Nobody mess with the stuffy.

Where they go, their stuffy goes.

Where Charlie goes, Mr. Quackers goes.

That's just the way it is.

@charliethegolden18 Happens every..single..time 😂🙈 #dogsoftiktok #petsoftiktok #dogs #goldenretriever ♬ Quirky - Oleg Kirilkov

The attachment is real. Watch what happens when Charlie's buddy Buddy tries to mess with Mr. Quackers.

@charliethegolden18

Ain’t nobody touching my Mr. Quackers 😋 #dogsoftiktok #petsoftiktok #dogs #goldenretriever

"There, see it!" Oh, Charlie. His love for Mr. Quackers is unrivaled, which is why his owner decided to pull an incredible pet prank and dress up as Mr. Quackers himself.

@charliethegolden18

When your husband finds a costume that looks identical to your dogs favorite duck toy 😂 #dogsoftiktok #petsoftiktok #dogs #goldenretriever

The things we do for our dogs, indeed.

And when Charlie got to meet the life-sized Mr. Quackers? So. Much. Joy.

@charliethegolden18

Dressed up as our dogs favorite duck toy. Full video on FB & YouTube. Link in bio. #dogsoftiktok #petsoftiktok #dogs #goldenretriever

Charlie practically wagged his tail right off his body. And he never let go of the original Mr. Quackers the whole time—at least on TikTok.

The extended video on YouTube shows Charlie dropping Mr. Quackers and trying to get a hold of Huge Mr. Quackers by the neck. Not in an aggressive way—more like in a "Hey, lemme carry you around like I do Mr. Quackers!" kind of way.

And then the slow discovery that Huge Mr. Quackers smells an awful lot like his hooman … just too precious.

Animals can bring such joy to our lives, especially when we take the time to play with them. Thanks, Charlie's parents, for sharing this moment of adorable delight with us all.

Follow more of Charlie and Mr. Quackers' adventures on TikTok and YouTube.


This article originally appeared two years ago.

@abcnews/TikTok

Cats are stars, onstage and off.

Oh, what it must be like to be a cat. To never suffer from imposter syndrome, to take on foes at least twice your size without hesitation, to navigate the world like you’re on every VIP list in existence. What a glorious life, indeed. Take this concert-crashing kitty, for example. During a live orchestra performance at the 52nd annual Istanbul Music Festival, a curious feline wandered up on stage without a care in the world—and of course it was all anybody could talk about.

In a clip shared to multiple social media platforms by several news outlets, including @abcnews on TikTok, we see the gray and white cat traipse onto the stage, as if drawn in by the whimsical tune being played.

Then, it literally catwalks across the stage, unbothered from beginning to end.

Watch:

@abcnews A curious cat wandered onto stage during a live orchestra performance at the 52nd Istanbul Music Festival. #turkey🇹🇷 #orchestra #catsoftiktok ♬ original sound - ABC News

Of course, as many viewers pointed out, this is an all-too-common sight in Istanbul, which, like many Muslim countries, holds a special place in its heart for felines. According to Catster, cats don’t have owners. Instead, they are taken care of by the entire community all around the city—from tea houses to ferries to public transport and beyond.

Istanbul even funds veterinary care for its stray cats, including spaying and neutering, emergency care, and a mobile Vetbus. It’s pretty much Kitty Heaven over there.

Besides commending Istanbul for its feline-friendly atmosphere, people also shared their delight for the cat who “stole the show.”

“He KNEW this was about him. HIS moment! Lol,” one person wrote.

Another added, “that’s his background music, and he’s off on a big adventure.”

Another tapped into the cat’s POV, writing, “how lovely, the humans are playing me a song.”

Some even offered their best cats puns.

“I think it was trying to find the ‘purr-cussion’ section,”one person quipped.

Another said, “That is an ARISTOCAT.”

Istanbul might go above and beyond for its cats, but the respect we have for feline audacity is strong just about everywhere in the world.


This article originally appeared in June.

Motherhood

Overwhelmed new mother hears the perfect parenting advice from her mom on doorbell cam

Monica Murphy was just one month into welcoming her third child into the world.

@monica_murphy/Instagram

Sometimes mom knows just what to say

“How on earth can one person do it all?” This is a question so many mothers ask themselves. Especially after giving birth, when life seems to expect them to take care of their newborn, get their body back, return to work and keep a clean house all at the same time.

It’s a question that had completely overwhelmed Monica Murphy, only one month into welcoming her third child, while still recovering from a C-section and taking care of her other children, who were also nursing, according to Today.com. Luckily for Murphy, her mom had the perfect piece of advice to ease her troubled mind. And luckily for us, it was all caught on the family’s doorbell cam.

In a now-viral Instagram post, Murphy wrote her formidable to-do list, which included:

Working

Staying present on social media

Maintaining a clean home

Tandem breastfeeding

Being present with my kids

Eating a nutritious diet

Making time for my husband

Keeping in touch with friends

Making time for myself

Planning activities for kids

Frick decorate for Christmas

Followed by that burning question: “How on earth can one person do it all?”

Of course, Murphy hadn’t expressed any of these stresses to her mom, who had been visiting. But still, her mom knew something heavily weighed on her daughter's mind.

So, as she was walking out, Murphy’s mom left her with these words of wisdom:

“They aren’t gonna remember a clean house, they are gonna remember how much you loved them and hung out with them.”

Murphy told Today.com that she “broke down” crying after her mom had left, and was instantly inspired to share the video for other moms who needed similar encouragement.

Indeed, the message struck an emotional chord with thousands of viewers.

“The way I would’ve just bawled if she said that to me,” one person commented.

Another added, “I needed to hear this today.”

Some shared how it was a sentiment they sadly would never hear from their own mothers, and how they are now re-parenting themselves.

“My mom would just nag I’m lazy and how am I supposed to leave my house a mess. So I’m just easing my anxiety with gentle words from other people’s mothers. As I’ve been doing my whole life. Clean house was above happy children,” one person wrote.

It can be so easy for moms to lose themselves in the never ending cycle of responsibilities and, frankly, unrealistic societal expectations. But hopefully this sweet message can help moms everywhere go a bit easier on themselves, and actually enjoy the time they have with their kids. That’s part of what family is all about, after all.


This article originally appeared a year ago.

Canva

Fiona the sheep had been stranded for two years all by herself.

Sheep are hardy, resilient animals. Depending on the breed, they thrive in the driest of desserts and snowiest of planes. But being highly social animals, one thing they cannot tolerate is isolation. So imagine poor Fiona, a sheep who spent more than two years in solitude at the bottom of a cliff in Scotland.

Dubbed Britain's, then the world’s “loneliest sheep,” Fiona had become something of a local legend—first spotted by a kayaker in 2021, and then again two years later, not malnourished and in good condition, but with badly overgrown fleece and in need of a good shearing.

How exactly Fiona became stuck at the bottom of a cliff was a mystery. But hauling her out was an even more confounding problem.

Despite over 50,000 people signing a petition to rescue Fiona, the Scottish SPCA called the safety logistics “incredibly complex” due to the terrain being so inaccessible, not to mention any human interaction likely causing extreme stress for the stranded rescuee.

That’s when a group of five farmers—including sheep farmer and BBC presenter Cammy Wilson, and Youtube star Graeme Parker— took things into their own hands.

With a whole lotta rope, and a whole lotta patience, the team successfully found Fiona in a cave (a little overweight, perhaps eating her lonely feelings a bit) and hoisted her up the steep cliff to safety.

Watch the harrowing resc-ewe mission below. Gotta say, the drone footage makes it look even more epic.

Fiona was then taken to Dalscone Farm Fun, a new forever home, where her new owner, Ben Best, dubbed her healthy and relaxed, even if she “could lose a few pounds.” (“As it Happens, CBC Radio)

Though animal rights activists did show concern with Fiona’s new living situation, likening it closer to a “petting zoo” than the sanctuary she deserved, Best affirmed that was not the case, saying "It's effectively a farm where people can go and visit the animals, but they don't go in amongst the animals.”

He also added that she would be kept away from the public eye for five-to-six months, and not step into the limelight until she’s ready for it.

And there you have it, folks. Fiona might have once been the world’s loneliest sheep, but now she’s living it up like the star she is.


This article originally appeared a year ago.