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America turns 250. Its greatest innovation was never a product — it was a system that let anyone build one



For most of human history, progress required permission. To build something new, you needed approval from a monarch, a guild, or an authority. To rise, you needed to be allowed. Opportunity was not pursued. It was granted.

Then came 1776. The Declaration of Independence did more than separate a colony from a crown. It introduced a fundamentally different system — one where individuals did not need to ask before they acted. Where initiative did not depend on status. Where ambition was no longer confined by permission.

It created something the world had never seen: a system built on one idea. Build free.

Building free is the freedom to create, to act, and to take risks without waiting for permission. It is the belief that progress begins with the individual, not the institution. That trust in people — not control from the center — is what unlocks human potential.

That idea changed everything. It allowed a machinist to become an entrepreneur. A small-town shop to become something far greater. Innovation could emerge from anywhere, not just from those already in power.

I Saw It First in My Father’s Machine Shop

I saw it first in my father’s small-town machine shop in Ohio. There were no guarantees, no safety nets, and no permission slips. Just the quiet determination to build something that mattered. In good times, he created opportunity for others. In difficult times, he kept going anyway.

The system did not protect him. It trusted him. And that trust made all the difference.

I saw it again years later when we built Ariba. At the time, business-to-business commerce was one of the largest and oldest systems in the world, moving trillions of dollars through paper, phone calls, and processes that had barely changed in generations. It was massive, but slow. Fragmented. Constrained by its own weight.

We did not ask to change it. We built something new.

A digital network that connected buyers and sellers in real time. A system that replaced friction with flow. A platform that allowed companies anywhere in the world to transact as if they were next door. What began as an idea became infrastructure.

Today, the Ariba Network conducts more than $7 trillion in commerce each year — a scale equal to all U.S. trade with the rest of the world combined. Not because it was mandated. Not because it was controlled. But because it was built in a system where people are trusted to build.

America’s Greatest Competitive Advantage

Building free became America’s greatest competitive advantage. It is why this country has led during moments of disruption. Why new industries so often take root here. Why people with no pedigree or position have repeatedly built what did not exist before.

Systems built on this principle do not wait. They move. They adapt. They create. I have seen this throughout my life, from a machine shop in Ohio to global technology enterprises. The difference is not resources. It is not even scale. It is whether people are free to act.

When that trust exists, people rise to meet it. When it does not, potential remains dormant.

The Quiet Pressure the Anniversary Shouldn’t Obscure

As the country marks 250 years, that system is under quiet pressure. Artificial intelligence, data concentration, and global competition are creating a natural pull toward centralization. Toward tighter control. Toward systems that favor approval over initiative.

Some structure is necessary. But when control begins to replace trust, something essential is lost.

Building free is not disorder. It is disciplined by accountability and strengthened by competition. It works because people are free to try, free to fail, and free to try again. That is the engine of progress.

For 250 years, the United States has been defined by this principle. Not perfectly, but consistently enough to build the most dynamic economy the world has known. This is the system that built America. And it is the system that will determine what comes next.

The next era will not belong to societies that centralize everything. It will belong to those that continue to trust people to build.

Freedom 250 exists to renew that principle — not as nostalgia, but as a forward commitment. America’s strength has always come from individuals empowered to act, communities willing to build, and leaders who expand opportunity rather than contain it.

The next chapter of this country will be written the same way the first was. By people who do not wait. By people who build.

The opinions expressed in Fortune.com commentary pieces are solely the views of their authors and do not necessarily reflect the opinions and beliefs of Fortune.

AI Is Rewriting the Economics of Outsourcing


Companies must reconsider what they own and what they buy.

7-Eleven/Speedway: $0.5 Off Per Gallon On 7th & 11th Each Month Through 7/11/26


Update 5/12/26: They are offering a make up discount as it didn’t work properly yesterday. Seems everybody is getting it if they texted yesterday, even if you redeemed the code. ‘7-Eleven: Discounts so good, you crashed our systems! We’re taking care of you with a new offer—claim your 50c/gal discount here: [personal_link]. Redeem thru 6/6/26. STOP to end’

It’s still not working at pump for some people. 

The Offer

  • 7-Eleven is offering $0.5 off per gallon on the 7th and 11th each month through 7/11/26 when you text ALLIN to 711711
  • Also works for Speedway, text to 96001

Our Verdict

Should stack with other 7-Eleven fuel codes or Speedway codes as well. Can view more ways to save on gas here.

Education Line Of Credit vs. Private Student Loans


Key Points

  • An education line of credit allows borrowers to fund multiple academic years through a single application.
  • Unlike traditional private student loans, funds can be drawn as needed, helping families avoid over-borrowing and repeated loan applications.*
  • Student Choice partners with credit unions to provide flexible, transparent lending options with competitive rates and no hidden fees.

As college costs continue to rise, more families are having to supplement federal student loans with alternatives. One tool attracting attention is the education line of credit, a flexible borrowing option that allows you to fund multiple years of college with one application.*

In partnership with Student Choice, we’re going to break down what you need to know about a private education line of credit, and why you should consider it versus traditional private student loans.

Student Choice partners with credit unions across the country to offer this product. This tool allows students to borrow once and draw from the line of credit over several academic years, streamlining the process and eliminating the stress of having to apply for a new loan every year. 

This structure is particularly attractive to families seeking consistency and control over their borrowing experience. By avoiding the need to reapply each year, students and parents can focus more on academics and less on navigating loan paperwork.

If you just want to dive in, check out Student Choice here >>

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How An Education Line Of Credit Works

Unlike traditional private student loans, which typically require a new application and credit check every year, an education line of credit operates more like a reusable borrowing pool. 

Once your education line of credit is approved, students can draw the amount they need for each academic term. This allows families to borrow what they need, when they need it, which keeps interest costs down by limiting unnecessary borrowing and gives families greater control over their financial planning.

Clear advantages of the education line of credit include: 

  • One application for multiple years
  • Draw funds by semester or year, as needed
  • No origination fees or prepayment penalties
  • Interest only applies to funds that are drawn

Borrowers can use the funds for a range of education-related expenses, including tuition, housing, textbooks, and technology. In-school deferment and flexible repayment options are typically available, depending on the participating credit union.

Backed By Credit Unions

Student Choice isn’t a lender itself. Instead, it connects borrowers to a nationwide network of credit unions that offer the education line of credit. Credit unions are known for prioritizing member service while offering lower rates and fewer fees than for-profit lenders.

Borrowers can easily find a credit union lender on studentchoice.org and the entire process is completed online. As part of the process, borrowers are matched with a credit union they can join – they can apply without being a member, but will need to become a member of the lending credit union to receive funding. Joining the credit union of their choice consists of opening a membership savings account online with a small deposit. 

Some of the key features of the program include:

  • A prequalification process with no hard credit check
  • A 0.25% interest rate discount for autopay enrollment (at most participating lenders)
  • Cosigner release options (at most participating lenders)
  • Up to 25 years to repay after graduation, depending on the credit union and product choice

Student Choice also offers a Finder Tool that lets users compare loan terms across credit unions, with no sponsored results or data selling.

Who Might Benefit?

This type of student loan isn’t for everyone. But for families who value convenience, transparency, and long-term planning, it may offer a more manageable alternative to traditional private borrowing. It’s especially helpful for:

  • Families who want a single application process for all four years of college
  • Borrowers who prefer the approach of credit unions
  • Students attending one of the 2,000+ participating colleges

The Fine Print

Rates and terms vary across credit unions. While the flexibility and borrowing structure are standard, interest rates, repayment terms, and cosigner policies may differ.

Borrowers must join the credit union issuing the loan. While this step is simple and part of the application, it is still a consideration for those unfamiliar with credit union membership.

Student Choice currently supports more than 2,000 colleges, primarily four-year institutions. If a school isn’t supported, the loan will not be available to that student.

The only way to know what rates you might qualify for is to get started.

Start the prequalification process here >>

Growing Interest In Credit Union Lending

As private loan borrowing may grow over the next few years given the changes coming in Congress, models like Student Choice’s are gaining interest for ease and flexibility.

Student Choice isn’t a silver bullet, but it represents a meaningful shift toward giving students and families more control over how they borrow. The education line of credit structure avoids some of the traps of traditional loans while encouraging responsible borrowing.

Families looking for a more thoughtful, lower-stress way to finance education may find what they need through Student Choice’s credit union partners.

Check out Student Choice here and get prequalified >>

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The post Education Line Of Credit vs. Private Student Loans appeared first on The College Investor.

Warren Buffett Offloaded a Chunk of His Biggest Holding. Here’s Where the Money Went.


Warren Buffett recently stepped down as CEO of Berkshire Hathaway (BRKA +2.11%) (BRKB +2.06%), whose investing empire he built over six decades. But even though he has handed the reins to Greg Abel, countless people still want to study the 95-year-old’s moves, as he’s arguably the modern era’s greatest investor.

Before Buffett stepped down at the end of 2025, he — or possibly his investing lieutenant, Ted Weschler — had divested much of Berkshire’s top stock holding. Let’s take a look at that.

Image source: The Motley Fool.

The stock is Apple. As of 2024’s end, Berkshire Hathaway owned about 300 million shares of Apple, which was worth about $75 billion and represented about 2% of Apple’s value. A year later, after selling shares in three of the next four quarters, Berkshire owned about 228 million shares worth about $62 billion.

Berkshire Hathaway Stock Quote

Today’s Change

(2.06%) $9.84

Current Price

$488.47

It can seem like a really big deal that so many Apple shares were sold, but note that Berkshire still owns roughly 228 million shares. Also, consider that at the end of 2024, Apple shares made up a whopping 28% of the Berkshire portfolio. That’s a lot of eggs in one basket! Mere portfolio rebalancing can be the explanation for all the sales. (More recently, Apple shares made up 22% of Berkshire’s portfolio.)

So what did Buffett buy? Before stepping down, he opened a position in The New York Times and added to some holdings, such as Chevron and Chubb, while shrinking Berkshire’s positions in stocks such as Bank of America.

You might be more interested in what has happened in 2026, though. Abel has overseen big investments in Google parent Alphabet and recently made his first big acquisition, of homebuilder Taylor Morrison.

Abel has also been spending millions buying back some Berkshire stock. You, too, might want to consider buying some Berkshire Hathaway stock, as it’s a diversified conglomeration of solid businesses, built to last. Its energy division, previously run by Abel, may be particularly promising, in part because of data centers requiring lots of power.

Bank of America is an advertising partner of Motley Fool Money. Selena Maranjian has positions in Alphabet, Apple, and Berkshire Hathaway. The Motley Fool has positions in and recommends Alphabet, Apple, Berkshire Hathaway, Chevron, and The New York Times Co. The Motley Fool has a disclosure policy.

FHA commissioner Frank Cassidy resigns from post



Federal Housing Administration Commissioner Frank Cassidy ended a leave of absence on Friday, announcing on social media that he would be permanently leaving the position.

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“I’m excited to return to the private sector and get back to my passion of DOING DEALS,”  he wrote in a LinkedIn post in which he also recounted several developments at FHA he counted as key accomplishments during his tenure there, which began after his confirmation last August.

PoliticoPro reported the news earlier.

Single-family mortgage policy changes he mentioned included post-pandemic updates to the loss mitigation waterfall of options for distressed borrowers, which he estimated would save billions of dollars, and credit score modernization through formal adoption of VantageScore 4.0 and FICO 10T.

Multifamily accomplishments he recounted included cutting the multifamily mortgage premium to 25 basis points across the board while eliminating distinctions for “green” energy programs.

“I look forward to continuing to be a voice for the Trump Administration’s housing agenda from the outside, supporting efforts to make housing more affordable for American families,” he wrote.

The Department of Housing and Urban Development previously confirmed in April that Cassidy had gone on leave and Ginnie Mae President Joseph Gormley had agreed to fill in while the FHA commissioner was out.

“Frank Cassidy has served this agency with dedication, and we are grateful for his contributions to the Federal Housing Administration and Office of Housing,” a HUD spokesman said in a statement Cassidy forwarded.

Gormley had said at the Mortgage Bankers Association’s secondary market conference last month that he was delegating some of the responsibilities to FHA officials. 

Matt Jones, deputy assistant secretary for single-family housing at HUD, appeared with Gormley at that event. Andrew Hughes, has served as deputy secretary.

Cassidy indicated that he looked forward to spending time with his family, including a  young daughter he has, and ending an interstate commute his post required.



A $435 Million Bet on ‘Reversing Aging’



Biotech startup NewLimit secures a major funding round after claiming a ‘breakthrough discovery’ of a prototype medicine that rewinds cellular aging in the liver.

7-Eleven: Large Pizza for Just $0.11 with Promo Code


7-Eleven Large Pizza for Just $0.11 with Promo Code

Some 7-Eleven customers can use promo code 711TREAT and take $7 off a large pizza, dropping the price of a large Ultimate Pepperoni pizza to as little as $0.11 before tax.

The deal appears to be highly targeted and may not work for everyone, but it’s worth checking the 7-Eleven app to see if you’re eligible. It should work for pickup as well as delivery. As always with these types of promos, availability can vary by account and location.

Guru’s Wrap-up

No matter the quality, a large pizza for 11 cents is a pretty good deal. If the code works for you, I’d order first and ask questions later. 🍕

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