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Communicating Change: A Visual Analysis Of American Political And Activist Posters, Hana Sage Morshedi Dec 2025

Communicating Change: A Visual Analysis Of American Political And Activist Posters, Hana Sage Morshedi

Graphic Communication

Across U.S. history, posters have helped movements inform, persuade, and mobilize the public, going beyond information to signal identity and values. In this project, I analyze 40 historically significant American political and activist posters, from wartime propaganda to civil rights and queer liberation, to explore how visual choices shape public opinion and drive social change. I focus on elements such as community/heritage colors, typography, composition, and cultural or movement-specific motifs to see how they signal identity, guide action, and contribute to a “successful” poster.


Beyond The Mozart Effect: How Musical Experience And Emotional Response Shape Individual Differences In Spatial Reasoning, Connor Watkinson Dec 2025

Beyond The Mozart Effect: How Musical Experience And Emotional Response Shape Individual Differences In Spatial Reasoning, Connor Watkinson

Theses

Research on the Mozart effect (the short-term enhancement of spatial-temporal reasoning after music listening) has yielded inconsistent results, often due to overlooking individual differences and using limited stimuli. This study examined multiple musical conditions (popular lyrical, classical, and white noise control) while considering the moderating roles of musical experience and the mediating influence of emotional responses. Undergraduate participants (N = 162) completed spatial reasoning assessments before and after an eight-minute listening session, alongside measures of musical background, listening habits, mood, and music-evoked emotions.Analyses revealed no overall difference in spatial reasoning improvement between music and white noise conditions. However, substantial individual …


Ai And The Fine Print Disruption Of Copyright, Nancy Kim Dec 2025

Ai And The Fine Print Disruption Of Copyright, Nancy Kim

Penn State Law Review (2003 - Present)

No abstract provided.


The Silent Sound Of Drowning: Human Rights Justifications And Complex Intersectionality, Maria Grahn-Farley Dec 2025

The Silent Sound Of Drowning: Human Rights Justifications And Complex Intersectionality, Maria Grahn-Farley

Brooklyn Journal of International Law

This Article presents a new concept, “Human Rights Justifications,” which captures instances in which states invoke human rights to defend and legitimize their own actions. Human Rights Justifications stand in contrast to cases in which human rights are activated by an individual holding the state accountable for its actions. The difference between when a state and when an individual is the activating subject is that with the former, human rights risk serving the state in legitimizing its actions, instead of serving the individual as a protection from the state. This occurs because, when the state activates human rights, it also …


National Values Matter For Ai: Comparative Analysis Of Ai Regulations In The Us, The Eu, And China, Kaori (Furuya) Kawaguchi Dec 2025

National Values Matter For Ai: Comparative Analysis Of Ai Regulations In The Us, The Eu, And China, Kaori (Furuya) Kawaguchi

Brooklyn Journal of International Law

As artificial intelligence (AI) continues to evolve rapidly, governments worldwide face increasing pressure to regulate it. This Article focuses on regulatory approaches to AI in the United States, the European Union, and China, examining the underlying rationales: why have they taken these approaches? Each jurisdiction’s unique political institutions, historical preferences, and strategic priorities shape its approach to governance. In particular, the values the jurisdiction expects in technology shape its regulation. The US adopts a decentralized, innovation-friendly model rooted in reliance on market and self-regulation in industries with its strong trust in laissez-faire philosophy; the EU asserts global leadership in regulations …


International Trade And Climate Policy: Revising The Benefit Analysis For Countervailing Duties, Michael J. Havens Dec 2025

International Trade And Climate Policy: Revising The Benefit Analysis For Countervailing Duties, Michael J. Havens

Brooklyn Journal of International Law

The United States’ Countervailing Duties Law protects domestic markets by offsetting any benefit foreign manufacturers receive from their domestic governments’ subsidy programs. The benefit analysis the Department of Commerce uses under the Countervailing Duties Law, however, is too vague. Moreover, the sole environmental exemption for otherwise countervailable subsidies is too narrow. As a result, Commerce assesses duties on an array of manufacturers burdened by foreign governments’ climate policies. The case study BGH Edelstahl v. US underscores the issue of the Countervailing Duties Law’s definition of “benefits conferred” and the limited environmental exemption. This Note compares the shortcomings of the Countervailing …


Frankenstein Sinatra: The Argument For A Federal Postmortem Right Of Publicity In The Ai-Era, Ian Samide Dec 2025

Frankenstein Sinatra: The Argument For A Federal Postmortem Right Of Publicity In The Ai-Era, Ian Samide

Brooklyn Journal of Corporate, Financial & Commercial Law

Artificial Intelligence has fundamentally revolutionized the way media is generated and presents new and unique threats to the right of publicity. By enabling users to create high-quality, realistic deep fakes of individuals’ voices, images, or likenesses, Artificial Intelligence has created novel risks to the right of publicity. Additionally, right of publicity is currently governed by state law. This system is proving to be flawed in the internet age, as content is rarely confined to a single jurisdiction, resulting in unpredictability and juridical disputes. This note argues that a federal right of publicity is necessary to regulate Artificial Intelligence effectively and …


Porous Triboelectric Nanogenerator For Load Sensing Of Total Knee Replacement, Elham Mahmoudi, Adam Garry Redgrift, Emre Salman, Milutin Stanacevic, Ryan Willing, Shahrzad Towfighian Dec 2025

Porous Triboelectric Nanogenerator For Load Sensing Of Total Knee Replacement, Elham Mahmoudi, Adam Garry Redgrift, Emre Salman, Milutin Stanacevic, Ryan Willing, Shahrzad Towfighian

Mechanical Engineering Faculty Scholarship

This study addresses the critical need for self-powered, durable pressure sensors in Total Knee Replacement (TKR) implants to enable the collection of post-operative information. The scope of this research encompasses the design, development, and testing of a triboelectric nanogenerator (TENG) integrated into an instrumented knee implant for energy harvesting and pressure sensing. The authors’ unique approach involves utilizing a porous silicone rubber as a dielectric material. This allows the TENG to withstand forces up to 2000 N and generate a maximum power output of 18 μW. Theoretical modeling combined with experimental validation provides deeper insight into the fundamental operating principles. …


Oh, Oh, No Ozempic: The Dangers Of Ozempic’S Direct-To-Consumer Advertisements, Taylor Blicht Dec 2025

Oh, Oh, No Ozempic: The Dangers Of Ozempic’S Direct-To-Consumer Advertisements, Taylor Blicht

Journal of Law and Policy

On average, viewers are exposed to about nine drug advertisements a day. Direct-to-consumer pharmaceutical advertising (“DTCPA”) is when pharmaceutical companies market their prescription drugs straight to consumers. Ozempic is a weekly injection of semaglutide, developed by the pharmaceutical company Novo Nordisk in 2017 for adults with Type-2 diabetes. After people started to show signs of weight loss on Ozempic, Novo Nordisk created Wegovy in June 2021, targeting towards people with obesity. Due to the exploding weight-loss effect of Wegovy, celebrities and social media influencers started taking the medication and sharing their weight loss journeys. DTCPA can be harmful to consumers …


Democratic Integrity Under Threat: Confronting Disinformation With Legislative And Structural Reforms, Sophia Brociner Dec 2025

Democratic Integrity Under Threat: Confronting Disinformation With Legislative And Structural Reforms, Sophia Brociner

Journal of Law and Policy

In the modern digital era, disinformation has evolved from a political strategy into a fundamental threat to democratic governance. This Note contends that the absence of comprehensive federal legislation addressing political disinformation on social media has compromised both the integrity of elections and the public’s trust in government institutions. By analyzing the disinformation campaigns that shaped the 2016, 2020, and 2024 presidential elections, this Note demonstrates how false and AI-generated content, amplified by both foreign and domestic actors, has manipulated voters, deepened political polarization, and destabilized public confidence in democratic processes. The discussion examines how rapid technological development, insufficient regulatory …


Functional Analysis Of Ftsa-Mediated Recruitment Of Ftsk In Escherichia Coli, Abbigale Perkins Dec 2025

Functional Analysis Of Ftsa-Mediated Recruitment Of Ftsk In Escherichia Coli, Abbigale Perkins

Dissertations and Theses (Open Access)

Bacterial cytokinesis requires precise coordination between cytoplasmic and periplasmic components of the divisome to ensure that membrane constriction and chromosome segregation occur in synchrony. The actin-like protein FtsA plays a central role in this process by tethering FtsZ to the membrane and recruiting downstream division proteins. Despite its essential function, the mechanisms by which FtsA coordinates divisome activation and the recruitment of late-acting proteins remain incompletely defined. To address this, the role of FtsA in activating septal synthesis and recruiting the DNA translocase FtsK was examined using mutational analysis in Escherichia coli.

The FtsAM96E R153D variant, which has …


Exploring Halogen Bonding Interactions In Cocrystals And Deep Eutectic Solvents, Madhushi Bandara Dec 2025

Exploring Halogen Bonding Interactions In Cocrystals And Deep Eutectic Solvents, Madhushi Bandara

All Dissertations

Halogen bonding is a noncovalent intermolecular interaction analogous to hydrogen bonding that occurs between an electrophile and a nucleophile. This is often observed in compounds containing heavy halogens such as iodine and bromine. When these halogens are covalently bonded to another atom or molecule, preferably to an electron-withdrawing moiety, an electrophilic region called a sigma hole is created on the halogen atom on the extension of the covalent bond.

The first study of this dissertation presents a comprehensive characterization of eight newly synthesized triiodide salts using single-crystal X-ray diffraction, powder X-ray diffraction, thermal analysis (DSC and TGA), and Raman spectroscopy. …


Surface Reaction And Transportation Of Radium-226 In Marine Systems, Jiusi Wang Dec 2025

Surface Reaction And Transportation Of Radium-226 In Marine Systems, Jiusi Wang

All Dissertations

Historical uses of radium (Ra)-containing self-luminous paint, such as on gauges and dials in naval ships, have led to the potential for such paint, and thus Ra, to be released into the marine environment. Radium-226 (226Ra) behavior in marine systems is not fully described in the literature, presenting a knowledge gap in the process of evaluating potential ecological impact of Ra in marine systems. This study explores various mechanisms contributing to Ra environmental transport in marine systems on a laboratory scale, including leaching, sorption, and diffusion. 226Ra leaching from watch hand dials containing radioactive luminous paint is …


Breeding For Disease Resistance In Melon And Watermelon, Venkata Rao Ganaparthi Dec 2025

Breeding For Disease Resistance In Melon And Watermelon, Venkata Rao Ganaparthi

All Dissertations

Watermelon and cantaloupe are two widely consumed cucurbits, but their acreage in the United States reduced by nearly 50% in last two decades. Fusarium wilt caused by a soil borne pathogen Fusarium oxysporum f. sp. niveum(Fon) race 2 is a major limiting factor in watermelon production as it reduces yields by 80%. Grafting watermelon plants onto the root stock of wild, disease-resistant varieties like ‘Carolina Strongback’ is the best strategy to manage Fon race 2. Though effective, this approach increases production costs.

Part of this dissertation focused on finding more sustainable, cost-effective solutions to control Fusarium wilt …


El Leñador, December 2025, El Leñador Staff Dec 2025

El Leñador, December 2025, El Leñador Staff

El Leñador Newspaper

El Leñador is an English and Spanish newspaper produced by Humboldt State University students. Our staff cover and provide news to Latinx and other diverse communities on campus and in Humboldt County. We are committed to providing relevant news and expanding the representations and stories told about people of color and other marginalized groups. Our work helps create more social, political and cultural diversity in local media.

El Leñador es un periodico en español y inglés producido por estudiantes de la Universidad Estatal de Humboldt. Nuestro personal cubre y provee noticias a la comunidad Latinx y otras comunidades diversas en …


Engage, Assess, Intervene, Evaluate: Barriers Facing The Elderly Population, Isabel Anderson, Gracie Brown, Mari Langton Dec 2025

Engage, Assess, Intervene, Evaluate: Barriers Facing The Elderly Population, Isabel Anderson, Gracie Brown, Mari Langton

Student Projects

This study examined barriers faced by older adults in Orange City, Iowa, through a mixed-methods community practice project incorporating assessment, implementation, and evaluation. During the assessment phase, researchers conducted interviews with elderly residents and professionals, gathered observational data, and facilitated community dialogue using the Nominal Group Technique. Key themes included social isolation, transportation challenges, financial strain, limited health literacy, and difficulty transitioning from independence to assisted living. A strong cultural emphasis on independence often discouraged help-seeking, while fragmented agency communication and rural limitations in specialized care further complicated service navigation. Asset mapping and power analysis highlighted community cohesion, faith-based support, …


Motion Picture Reviews As Determinants Of Box Office Revenue In The Post-Covid Environment, Fernando Comiran, Velitchka D. Kaltcheva, Anthony Patino Dec 2025

Motion Picture Reviews As Determinants Of Box Office Revenue In The Post-Covid Environment, Fernando Comiran, Velitchka D. Kaltcheva, Anthony Patino

Journal of Applied Marketing Theory

The decline in motion picture box office receipts and shortened release windows following the COVID-19 pandemic have placed heightened pressure on early performance as a critical determinant of commercial viability. Building upon earlier research suggesting that, as moviegoing frequency decreases, consumers are more likely to rely on audience reviews than critics’ reviews when making a decision to see a movie (Chakravarty et al., 2010), we examine which source of early reviews—professional critics reviews or audience reviews (WOM)—has an impact on early performance following the COVID-19 pandemic. We estimate a linear regression model using actual behavioral data—namely, eight years of motion …


Strategic Enhancement Of Biofuel Production Using Bacillus Subtilis As A Model Organism: A Dual Approach Of Gene Essentiality Mapping And Optimization, Angela A. Zebede Dec 2025

Strategic Enhancement Of Biofuel Production Using Bacillus Subtilis As A Model Organism: A Dual Approach Of Gene Essentiality Mapping And Optimization, Angela A. Zebede

Electronic Theses and Dissertations

With rising global demand for renewable energy, enhancing microbial platforms for biofuel production is vital. This study engineered Bacillus subtilis to improve resilience to solvent stress by targeting membrane lipid biosynthesis pathways essential for integrity. Growth curve analysis (OD₆₀₀) showed that phosphatidylserine (PS) and phosphatidylethanolamine (PE) knockout strains grew significantly slower than wild type (168), indicating the importance of these lipids under stress. Laurdan fluorescence spectroscopy was used to assess membrane properties. Generalized polarization (GP) analysis revealed a concentration-dependent reduction in membrane order upon 1%–2% 1-butanol exposure. GP values declined progressively from control to 2% treatment, reflecting increased membrane fluidity …


Mountain Communities During A Time Of War: A Case Study Of The Hutsul Region In The Carpathian Mountains Of Ukraine, Pavlo Rybaruk Dec 2025

Mountain Communities During A Time Of War: A Case Study Of The Hutsul Region In The Carpathian Mountains Of Ukraine, Pavlo Rybaruk

Electronic Theses and Dissertations

This thesis investigates the ethno-ecological technologies employed by the Hutsul people within the highland agrarian economy of the Carpathian Mountains. Over centuries, the Hutsuls have developed ethno-ecological technologies that maintain ecological integrity while supporting community livelihoods.

The study addresses three primary research questions: What are the most important ethno-ecological technologies of the Hutsul highland economy? How might these traditional ethno-ecological practices be applied to economic, agricultural, and tourism development in the Hutsul region? How might these traditional ethno-ecological practices be combined with contemporary approaches to encourage sustainable development in the region?

The research explores the devastating impact of the Russian …


What Makes A Con Law "Doctrine" And Why Does It Matter?, Allison Orr Larsen Dec 2025

What Makes A Con Law "Doctrine" And Why Does It Matter?, Allison Orr Larsen

William & Mary Bill of Rights Journal

A few years ago, I started wondering about the “major questions doctrine” (or MQD) in administrative law, and I found myself asking: “When did that become a thing?” I was familiar with the cases that stand for the proposition that Congress does not lightly delegate high stakes questions to administrative agencies—cases that date back to 2000 and specifically to a decision about cigarette advertising and the FDA. But up until 2022, it was rare for courts and commentators to refer to that collection of cases as a “doctrine.” Today, by contrast, the major questions doctrine is bread and butter administrative …


The Relationship Between Perceived Transactional Distance, Cultural Values, And Online Instruction Among Higher Education Students: A Quantitative Analysis, Judith Kay Guetzow Dec 2025

The Relationship Between Perceived Transactional Distance, Cultural Values, And Online Instruction Among Higher Education Students: A Quantitative Analysis, Judith Kay Guetzow

Theses and Dissertations

This quantitative survey research study examines potential correlations and influences on the learning of students enrolled in online classes at the University of Texas Rio Grande Valley (UTRGV). The study specifically investigates whether transactional distance (TD) as conceptualized in Michael G. Moore’s Transactional Distance Theory (TDT), and cultural values such as power distance (PD), uncertainty avoidance (UA), and collectivism (CO) as defined in Geert Hofstede’s Cultural Dimensions Theory, are associated with, and impact the learning experiences of online students. The analysis primarily centers on students’ perceived transactional distance and their self-reported cultural orientations.


Ddt Exposure Induces Microglial Activation And Disease-Associated Microglial Signatures: Relevance To Mechanisms Of Alzheimer’S Disease, Isha Mhatre-Winters, Aseel Eid, Nicole Blum, Yoonhee Han, Ferass M Sammoura, Long-Jun Wu, Jason R Richardson Dec 2025

Ddt Exposure Induces Microglial Activation And Disease-Associated Microglial Signatures: Relevance To Mechanisms Of Alzheimer’S Disease, Isha Mhatre-Winters, Aseel Eid, Nicole Blum, Yoonhee Han, Ferass M Sammoura, Long-Jun Wu, Jason R Richardson

The Brown Foundation: Institute of Molecular Medicine

Background: Alzheimer's disease (AD) is characterized by the presence of amyloid-β plaques, neurofibrillary tangles, and neuroinflammation. Previously, we reported that serum levels of dichlorodiphenyldichloroethylene (DDE), the primary metabolite of the pesticide dichlorodiphenyltrichloroethane (DDT), were significantly higher in AD patients compared to age-matched controls and that DDT exposure worsened AD pathology in animal models.

Objective: Here, we investigated the effect of DDT on neuroinflammation in primary mouse microglia (PMG) and C57BL/6J mice.

Methods: DDT-induced inflammatory and disease-associated microglial (DAM) gene expression were determined in PMG by qPCR and immunocytochemistry, with and without pretreatment with the sodium channel antagonist tetrodotoxin (TTX). Furthermore, …


Between Hard And Soft Power: A Historical Analysis Of U.S. Defense Diplomacy, Shuhei Takahashi Dec 2025

Between Hard And Soft Power: A Historical Analysis Of U.S. Defense Diplomacy, Shuhei Takahashi

War, Diplomacy, and Society (MA) Theses

In recent years, countries around the world—those of Europe but also Japan, China, and Russia—have accelerated their efforts to use military assets as instruments of diplomacy. This trend has contributed to the rising prevalence of the term “defense diplomacy” in national security discourse. The United States is no exception. Its abundant military assets and its global network of bases clearly demonstrate that it is the world’s leading practitioner of defense diplomacy. Yet the United States lacks a clear strategic document outlining the concept. Moreover, because existing definitions remain theoretically ambiguous and methods for assessing the effectiveness of defense diplomacy initiatives …


Aged 539 Graduate Internship Report- Mount Whitney High School, Matthew C. Medeiros Dec 2025

Aged 539 Graduate Internship Report- Mount Whitney High School, Matthew C. Medeiros

Agricultural Education: Graduate Internship Reports

This project reviews the Mount Whitney High School Agricultural Education Program. Through evaluation of our program's needs, there was a lack of chapter promotion outside of social media. A chapter website was created to highlight Classroom, FFA, and SAE opportunities available to students in our program.


Taxonomy Of Endophytic Fungi Associated With Vallisneria Neotropicalis, Md. Arafat Rashid Dec 2025

Taxonomy Of Endophytic Fungi Associated With Vallisneria Neotropicalis, Md. Arafat Rashid

Graduate Theses and Dissertations (2019 - present)

This study presents the first comprehensive taxonomic and ecological investigation of endophytic fungi (EF) associated with the submerged aquatic macrophyte Vallisneria neotropicalis in the southern United States. Over a 12 month period, from April 2023 to March 2024, leaf samples were collected from two distinct sites in Mobile Bay, Alabama a disturbed, brackish Causeway location and a cleaner, less impacted site at Meaher State Park. Using culture dependent methods, a total of 257 fungal endophytes were isolated from 1,200 leaf segments. All isolates belonged to the phylum Ascomycota, distributed across 3 classes, 6 orders, 10 families, and 19 taxa. The …


Improved Model For Neurodegeneration In C. Elegans, Jean-Pierre Arditi Dec 2025

Improved Model For Neurodegeneration In C. Elegans, Jean-Pierre Arditi

Graduate Theses and Dissertations (2019 - present)

During Alzheimer's disease (AD), insoluble amyloid beta (AP) peptides accumulate to form extracellular aggregates (plaques). The direct cause of neuronal dysfunction observed in AD has been broadly investigated. The amyloid hypothesis states that AP plaques are neurotoxic, but recent studies support the AP oligomer hypothesis, which states that intracellular AP (iAP) is neurotoxic. To test this hypothesis, I used CRISPR-Cas9 gene editing to generate two transgenic Caenorhabditis elegans (C. elegans) strains. I generated a strain (RSLl 11) using the rab-3 promoter to co-express GFP in neurons, which showed no gross behavioral changes but had a 50% reduced egglaying rate. RSLl …


Characterization Of Site-Specific Q295-Conjugated Tlr7 Agonist Immune-Stimulating Antibody Conjugates, Samuel Hanul Chung Dec 2025

Characterization Of Site-Specific Q295-Conjugated Tlr7 Agonist Immune-Stimulating Antibody Conjugates, Samuel Hanul Chung

Undergraduate Honors Theses

Recent advances in immunotherapy as a viable cancer treatment modality has led to the development of immune-stimulating antibody conjugates (ISACs). ISACs are analogous to antibody-drug conjugates (ADCs), which utilize the specificity and stability of an antibody to deliver cytotoxic payloads directly to a tumor. ISACs, however, deliver immune stimulating agents instead, activating adaptive and innate immune responses to engage with tumor cells. Among the various immunostimulants currently being explored, Toll-Like Receptor (TLR) agonists have risen as promising inducers of anti-cancer immune responses. Previously, the Tumey lab has explored ISACs employing an imidazole[4,5-c]quinoline TLR7 agonist with drug-antibody ratios (DAR) of ~8. …


Hkc01 - What We Do In The Shadows: How Urban Density Facilitates Information Diffusion And Civic Engagement, Qing Zhang, Evan Plous Kresch Dec 2025

Hkc01 - What We Do In The Shadows: How Urban Density Facilitates Information Diffusion And Civic Engagement, Qing Zhang, Evan Plous Kresch

Oberlin College Kasper Economics and Business Working Paper Series

Does urban density facilitate the diffusion of information and civic engagement? This paper exploits plausibly exogenous variation generated by a unique national policy in China that requires all residential buildings to receive sufficient hours of sunshine. The policy creates higher degrees of restriction on density at higher latitudes, where longer shadows require buildings to be further apart. Using differential topic dynamics on a national petition platform to measure information diffusion, this paper shows that people respond to shifts in government attention with varying speeds across latitudes. Increases in local government reply rate to a topic raises the volume of subsequent …


Understanding Dental Hygienists’ Knowledge, Attitudes, And Practices Regarding Hpv Vaccination, Paula M Cuccaro, Jihye Choi, Kawtar Zouaidi, Efrat K Gabay, Michael Mackert, Josefine Ortiz Wolfe Dec 2025

Understanding Dental Hygienists’ Knowledge, Attitudes, And Practices Regarding Hpv Vaccination, Paula M Cuccaro, Jihye Choi, Kawtar Zouaidi, Efrat K Gabay, Michael Mackert, Josefine Ortiz Wolfe

Faculty, Staff and Student Publications

The American Dental Association and American Academy of Pediatric Dentistry encourage oral health professionals to strongly recommend human papillomavirus (HPV) vaccination to prevent HPV-associated oropharyngeal cancer. This study examined oral health professionals' knowledge, attitudes, and practices regarding HPV vaccination. We used purposive sampling to recruit participants through state and national oral health societies and social media platforms. Flyers outlining eligibility criteria were distributed, and eligible participants completed an online survey. Primary measures included participants' HPV-related knowledge, attitudes, and practices, and willingness to receive HPV-related training and recommend HPV vaccination to patients, including parents of adolescents. Only responses from dental hygienists …


Presumption Of Creditworthiness, Nakita Q. Cuttino Dec 2025

Presumption Of Creditworthiness, Nakita Q. Cuttino

Michigan Law Review

Creditworthiness, or the likelihood that one will repay one’s debts, is typically signaled through a three-digit number known as a credit score. Yet, over thirty-two million adult-aged consumers lack adequate consumer credit reports and therefore do not have a traditional credit score. As a result of being unscored, these consumers are generally presumed uncreditworthy and foreclosed from mainstream credit markets. Unscored consumers are often relegated to extractive, fringe credit markets that neither require nor build credit scores. More insidiously, however, a growing number of non-credit contexts, including rental housing, utility services, and employment markets, look to creditworthiness to determine eligibility …