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Huntington Bank Bonus: Open New Checking Account to Get $600


Huntington Bank Checking Account Bonus

🔃 Update: This offer has been extended through January 15, 2027. The $200 bonus for Asterisk-Free Checking is not available this time around.


Huntington Bank is offering a $600 bonus for customers who open a new Platinum Perks Checking (former Huntington 25 Checking) account. There’s also a $400 bonus for the Perks Checking, and $200 for Asterisk-Free Checking. This Huntington Bank bonus is for residents of Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania or West Virginia only. Check out the details below.

Offer Details

Click Apply Online on the offer page (or open in branch), yo apply the promotion code at time of account opening.

  • To qualify for the $200 cash bonus, you are required to open a new, qualifying Asterisk-Free Checking account by February 7, 2025 and:
    • Receive total qualifying direct deposits of $500 within 90 days of account opening and keep your account open for 90 days.
  • To qualify for the $400 cash bonus, you are required to open a new, qualifying Perks Checking account by January 15, 2026 and:
    • Receive total qualifying direct deposits of $500 within 90 days of account opening and keep your account open for 90 days.
  • To qualify for the $600 cash bonus, you are required to open a new, qualifying Platinum Perks Checking account by January 15, 2026 and:
    • make total new money deposits of $25,000 or more within 90 days of account opening and keep account open for 90 days.

Other Details

  • Account must maintain an open status for at least 90 days before it is eligible for the bonus payment.
  • Your bonus will be deposited into your new personal checking account within 14 days of meeting the above requirements.
  • Checking account must remain in an open status to receive the bonus.

Who is Eligible

  • This offer is only available to new business checking customers residing in Illinois, Indiana, Kentucky, Michigan, Ohio, Pennsylvania or West Virginia.
  • Offer is not available to existing checking customers, including fiduciaries, or those with checking accounts closed within the last six months.

Account Fees

  • Platinum Perks Checking has a $25 fee waived with $25,000 in total relationship balances.
  • Perks Checking has a $10 fee waived with $1,000 in total monthly deposits or $5,000 in total relationship balances.
  • Asterisk-Free Checking has no monthly fee.
  • Account must maintain an open status for at least 90 days before it is eligible for the bonus payment.

Guru’s Wrap-Up

Earning $600 for a new checking account is a great offer. But you need to deposit $25K to get the maximum bonus. That’s also the amount that you need to have in the account to keep it fee-free. Huntington Bank also has a $400 bonus which is easier to do in my opinion, and there’s a $1,000 bonus for new business accounts.

Bank bonuses are a great way to earn some extra income, often from the comfort of your home. You can take a look at my bank bonus results for 2022 where I made over $6,000. If this bonus is not for you, then you can check our full list of available bank bonuses. And, if you’re new to bank account bonuses, you can learn more about churning bank accounts here.


💡 Link & Key Details

  • OFFER PAGE
  • Max Bonus: $600
  • Account Type: Platinum Perks Checking
  • Availability: IL, IN, KY, MI, OH, PA, WV
  • Inquiry Type: Soft pull
  • Credit Card Funding: No
  • Direct Deposit Requirement: No
  • Other Requirements:  $25,000 in deposits
  • Monthly Fee: $25 (waived with $25K balance)
  • Closing Account Fee: Must be open for 90 days to get bonus
  • Expiration Date: 2/7/23 6/7/23 10/7/23 10/7/24 2/7/25 7/7/25 6/15/26 9/30/26 1/15/27

Share Bank Bonuses and other deals with us and our readers

2027 Child Tax Credit Changes: $2,300 Per Child And $1,800 Refundable


Key Points

  • The 2027 child tax credit is $2,300 per qualifying child, up $100 from 2026, and up to $1,800 of it is refundable.
  • A family that owes no federal income tax needs $14,500 in earned income to get the full refundable amount for one child, or $26,500 for two.
  • The age limit, Social Security number rules and $200,000/$400,000 phaseout thresholds stay the same.

The 2027 child tax credit rises to $2,300 per qualifying child, up $100 from 2026. The IRS announced the increase in its annual inflation adjustments for tax year 2027. The refundable portion also climbs $100, to $1,800 per child.

Both numbers rise along with the new 2027 tax brackets and standard deduction.

The new amounts apply to income earned in 2027 and show up on returns filed in early 2028. The return you file in spring 2027 still uses the 2026 figures of $2,200 per child and $1,700 refundable. Parents who want the larger credit reflected in their 2027 paychecks can update their Form W-4 withholding in January.

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Why It Matters

The 2027 increase is the first time the child tax credit has grown from inflation indexing alone. The One Big Beautiful Bill Act raised the credit to $2,200 per child and tied it to inflation. The IRS now refers to that law as the “Working Families Tax Cuts”.

For a family with two children under 17, the maximum credit grows to $4,600 from $4,400. Three children push the maximum to $6,900 from $6,600. We also ran four households through both years of rules.

A married couple earning $120,000 with two children would owe $336 less in 2027 with the bigger credit and standard deduction.

What Changes And What Stays The Same In 2027?

Only the credit amount and the refundable cap change for 2027. Every eligibility rule behind the 2025 child tax credit carries over, based on the IRS child tax credit rules and a Congressional Research Service report on how the credit works.

The table below compares both years.

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Child Tax Credit: 2026 Vs. 2027
Item 2026 2027
Maximum Credit Per Child $2,200 $2,300+$100
Refundable Portion Per Child $1,700 $1,800+$100
Earnings For Full Refund, One Child $13,834 $14,500
Earnings For Full Refund, Two Children $25,167 $26,500
Earnings For Full Refund, Three Children $36,500 $38,500
Phaseout Starts, Single Or Head Of Household $200,000 $200,000
Phaseout Starts, Married Filing Jointly $400,000 $400,000
Credit Gone, Single Filer With One Child $244,000 $246,000
Credit Gone, Joint Filers With Two Children $488,000 $492,000
Credit For Other Dependents $500 $500
Source: IRS. The College Investor.
  • Age: The child must be under 17 at the end of the tax year.
  • Identification: Each qualifying child needs a Social Security number valid for employment and issued before the return’s due date. The taxpayer needs one too, and on a joint return one spouse’s number is enough.
  • Income phaseout: Above $200,000 of income, or $400,000 for married couples filing jointly, the credit shrinks by $50 for every $1,000.
  • Refund formula: The refundable portion equals 15% of earned income above $2,500, up to the per-child cap.
  • Other dependents: A dependent who doesn’t qualify, such as a 17-year-old high school senior or a college student, can still bring a $500 credit for other dependents.

The age cutoff hits families of high school juniors and seniors first. A child who turns 17 during 2027 drops from the $2,300 credit to the $500 credit for other dependents, a $1,800 difference on the 2028 return.

That loss often lands right as college costs start, so it belongs in the numbers you run through our 529 plan and college savings calculator.

How Much Income Do You Need For The Full $1,800 Refund?

For a family that owes nothing under the 2027 tax brackets, the full refundable amount takes $14,500 in earned income with one child. Two children require $26,500, and three require $38,500. Those figures come from our math on the 15% earnings formula, and each one sits above its 2026 equivalent.

Families with three or more children can also qualify through an alternative formula based on Social Security taxes paid.

The $100 increase doesn’t reach every family. A single parent of two earning $20,000 owes no federal income tax after the $24,925 head of household standard deduction. The formula caps that parent’s refund at $2,625 in both 2026 and 2027, so the higher cap adds nothing.

Refunds that include this credit also wait for the PATH Act hold, which our IRS tax refund calendar tracks each season.

Where Does The 2027 Credit Phase Out?

The 2027 credit starts shrinking above $200,000 of modified adjusted gross income, or $400,000 for joint filers. Unlike the federal tax brackets, those thresholds don’t adjust for inflation.

A bigger credit takes longer to phase out, so a single parent with one child now loses it at $246,000 instead of $244,000. For a married couple with two children, the cutoff moves to $492,000 from $488,000.

How This Connects

The credit increase is one of several family tax changes from the same 2025 law. Children born from 2025 through 2028 can get a $1,000 federal deposit in a Trump Account, and parents paying for daycare can pair the child tax credit with a dependent care FSA. Each benefit runs on its own rules, so a family with a newborn and a preschooler could use all three in 2027.

What’s Next

The new amounts will appear on Schedule 8812, the form used to claim the credit, when the IRS releases the 2027 version for the 2028 filing season. Parents should also check that their tax software supports the credit before choosing a free tier. Our TaxSlayer review found its Simply Free tier doesn’t include the child tax credit. The 2028 credit amount will arrive with next fall’s IRS inflation adjustments.

Editor: Colin Graves

The post 2027 Child Tax Credit Changes: $2,300 Per Child And $1,800 Refundable appeared first on The College Investor.

Coca-Cola evp Nancy Quan sells $1.47 million in company stock




Coca-Cola evp Nancy Quan sells $1.47 million in company stock

WealthOne seeks growth financing for ‘bank of the fintechs’ push




Wealth One Bank of Canada is looking to raise $150 million as the small, digital-focused firm tries to position itself as a banking partner for financial-technology firms it says are underserved by Canada’s biggest lenders.

2 Stocks That Plunged on Oct. 29 to Buy and Hold Through 2030


Oct. 29 was a bad day for two really different tech stocks. Marvell Technology (MRVL -4.68%) dropped around 13%, to $218.34, after an Oct. 28 report that the chipmaker was in advanced talks to buy optical parts maker Lumentum Holdings (LITE -4.49%).

ServiceNow (NOW +1.58%) had it worse, losing about 27% to close at $109.67 after its third-quarter results.

Neither stock has recovered. As I write, Marvell sits near $171 and ServiceNow around $102 — each about 32% below its Oct. 28 close.

But neither fall came from a cut to either company’s long-term plans. And compared with the targets each company has set for around 2030, I think both stocks look cheap now.

Matt Murphy. Image source: Getty Images.

1. Marvell: paying for Lumentum in stock

Marvell made the deal official on Nov. 2. Every Lumentum share becomes 4.5 Marvell shares, a deal that valued Lumentum at around $115 billion, counting its debt, at Oct. 28 prices.

Current Marvell shareholders wind up with around 67% of the combined company, so the share count climbs by about half. This dilution is what investors were selling.

Yet management expects the deal to raise non-GAAP (adjusted) earnings per share starting in the first year after it closes, and it sees over $1 billion in annual cost savings. The deal is expected to close in the first half of 2028.

Plus, Marvell’s own plan was already big before Lumentum. At its Oct. 6 investor day, management mapped out revenue rising from $8.2 billion in fiscal 2026 to around $12 billion this fiscal year and about $20 billion next year. These numbers mean growth of about 47%, then about 67%. Simply put, Marvell expects its growth to accelerate as the company grows. Its revenue target for fiscal 2031 (which ends in early 2031) is $70 billion to $90 billion, and its long-term model points to adjusted earnings of over $30 a share that year.

At about $171, Marvell stock costs under 6 times those targeted earnings. Sure, targets can slip, and this one came before a deal that adds shares. But even at half that per-share number, shares would cost under 12 times earnings.

MRVL Marvell Technology

$156.76-$7.69 (-4.68%)

NASDAQ · As of 4:00 PM ET 11/13/26

2. ServiceNow’s revenue growth is picking up

ServiceNow’s third quarter itself was good. Subscription revenue climbed 21% year over year to around $3.99 billion, and free cash flow jumped about 39% year over year to $822 million.

The sell-off came from one line in the forecast. Management guided for fourth-quarter growth of 18.5% in current remaining performance obligations (cRPO), the contract revenue it expects to recognize in the next 12 months, down from 21% in constant currency in the third quarter.

Just after the fall, I wanted to see fourth-quarter cRPO hit that guide before buying. For someone holding through 2030, though, I think the lower price makes one quarter’s number matter less.

Management blamed early renewals pulled into the third quarter, more on-premise deals with public sector customers, and contracts that count toward revenue but not cRPO.

“[W]hile cRPO is a good indicator of next year’s revenue, it’s certainly not perfect,” CFO Gina Mastantuono said on the third-quarter earnings call.

Revenue guidance backs her, at least for now. Subscription revenue growth in constant currency dropped from 23% in the second quarter to 20.5% in the third. But management sees 21.5% in the fourth quarter.

At its May 4 Financial Analyst Day, ServiceNow targeted over $30 billion in subscription revenue by 2030, almost twice its 2026 guidance of around $15.8 billion. At this year’s guided free cash flow margin of 36%, $30 billion could mean around $11 billion in free cash flow. ServiceNow’s market value is about $105 billion, or about 10 times that free cash flow.

NOW ServiceNow

$102.25+$1.59 (+1.58%)

NYSE · As of 4:00 PM ET 11/13/26

Why own both through 2030?

The two are at opposite ends of artificial intelligence (AI) spending. Marvell sells the chips that carry data around AI data centers, and Lumentum would add lasers and optical parts.

ServiceNow sells software that businesses use to put AI agents to work — and to keep them in check. And it raised its 2026 target for annual AI contract value to $1.7 billion, up from $1 billion at the start of the year.

Sure, each has its own risk. Marvell’s largest customers might slow AI spending well before 2031, and ServiceNow could see AI agents doing work that customers pay it for today.

Still, each stock now trades at a low price compared to its company’s own long-term targets. I think both are worth considering for a buy-and-hold investor, ideally bought a little at a time. I’d just expect Marvell’s share price to keep swinging hard until the deal closes.

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Uber One Member Days November 16 – December 1


The Offer

Direct Link to offer

Uber will have their Uber One Member Days from November 16 through December 1, 2026 with various deals and offers throughout the timeframe. Some of these offers might not show for everyone.

  1. 15% off Uber gift cards, this offer will show in the Uber app beginning on November 28th. Limit 1.
  2. 60% off annual Uber One membership when you switch from a monthly Uber One membership to an annual. Should be $38.40 for the year instead of the regular $96.  
  3. $40 off $100+ on Best Buy orders through Uber Eats, this offer will be valid November 27–30. Valid on eligible Best Buy orders through Uber Eats. Delivery only; pickup excluded. 
  4. 15% back in Uber One credits on hotel bookings (instead of the regular 10%); credit is towards a future Uber ride or Uber Eats order. This offer will run from November 16th through December 1st; you can book out for a future date beyond December 1st. 
  5. 20% off premium airport rides (up to $26) from November 24–30. Valid on Uber Black, Uber Black SUV, Uber Premier, Uber Premier SUV, Uber Elite, and Uber Elite SUV. Limit 2 uses. It should show the discount at checkout.
  6. Enter the Delta gift card sweepstakes and Marriott Bonvoy sweepstakes from November 16th through December 1st. Sweepstakes is for up to $10,000 in Delta gift cards and up to 1 million Marriott points with more than 2,000 winners.

Our Verdict

Uber One ran a Member Days earlier this year with some similar deals. 

15% off Uber gift cards is interesting. Hopefully it’ll be possible to max this out with a $500 gift card purchase. Note, Costco members will prefer buying it at a 20% discount there.

The Uber One discount might be worth it for someone who isn’t getting their membership credited by Amex Platinum card. I’m not sure if they’ll offer the Uber One membership discount for non-members too; it’s officially showing as a discount for someone switching from monthly to annual. 

The Best Buy deal might be of some utility to buy Airpods, Airtags, or just whatever, though delivery fee and tip somewhat erode the $40 discount. 

Not sure if the hotel booking credit is a good deal or not. 

Business Management and Administration Overview | Career Cluster/Industry Video Series



Business Management and Administration relates to planning, organizing, directing and evaluating business functions essential to efficient and productive business operations.

Learn more about the CAREERS, JOBS, and OCCUPATIONS in Business Management and Administration on CareerOneStop.org:

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** Business Management and Administration Overview video:

Learn more about this and other career clusters, industries, occupations, jobs, careers paths, education, training, salaries, trends, outlooks, and related career exploration resources and tools on CareerOneStop’s website.

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Why Buffett’s Small-Cap Value Strategy Still Works


His second type of investments were work-outs—securities whose financial results depend on corporate action such as mergers, liquidations, reorganizations, and spin-offs. Sell-outs by small oil producers to major oil companies in the late 1950s were one source of such securities, Buffett said in his 1962 letter to partners.

The third category were situations where the Buffett partnership either took control or held a large position and attempted to influence company policies. Such holdings included Berkshire Hathaway, Sanborn Maps, Dempster Manufacturing, and Diversified Retailing.

Investors who lack the funds to take major stakes can duplicate this strategy by buying value securities that have large, shareholder-friendly holders—managements, investors and funds. In fact, searching for news and SEC filings of large positions is a source for finding value investing ideas to research.

In some cases, stocks of companies with major holders and good long-term business prospects plunge on news of temporary problems. A recent example was SunOpta, based in Eden Prairie, Minnesota. It is a vendor of plant-based beverages and broth and organic fruit snacks. Customers include major national brands, foodservice vendors and retailers. Revenues in fiscal 2024 were $724 million.

In November 2025, SunOpta’s stock fell by a third to around $3.30, after its third quarter earnings announcement. Since the company imported some of its raw materials, the stock fell on fears that tariffs would raise costs. SunOpta stock was selling at ten times estimated 2027 free cash flow per share, according to Banyan’s estimates.

Meanwhile, Brian Kocher, the new CEO who took over in January 2024, began selling unprofitable businesses, boosting revenues, cutting costs, and reducing debt. Value-oriented Oaktree Capital, which owned 20% of the stock, had two members with extensive food industry experience on SunOpta’s board. Investors buying SunOpta stock could expect the Oaktree board members would encourage management to take actions which would benefit shareholders.

In February 2026, Refresco, a Netherlands-based provider of beverage products, announced it will buy SunOpta for $1.1 billion. The cash purchase at $6.50 a share, which closed in May 2026, was at a price roughly 90% higher than where the stock traded six months earlier.

Value investors can also benefit from price distortions caused by the rapid growth in passive index-based funds and ETFs as well as reduced sell-side research coverage. Typically, when removed from an index, stocks fall further in price since they are automatically sold by funds and ETFs based on the index. Yet, as the stocks get cheaper, there may be reduced demand from actively managed value funds, since their buying power continues to shrink.

At year-end 2025, passively managed index funds and ETFs held $19 trillion in assets, more than half the total funds under management, according to a February 2026 report by the Institute of Business & Finance. Meanwhile, assets at actively managed funds totaled $17 trillion, down from around 80% of total fund assets in 2010.

With the sharp decline in actively managed assets, some small- and mid-cap stocks have little or no sell-side research coverage. So, such stocks with lumpy earnings can drop to very cheap valuations since they will be ignored by momentum driven passive funds and ETFs. A quarter of U.S.-listed companies have no analyst coverage, according to a Nasdaq study. Their average market cap is around $230 million. While large-cap stocks are typically covered by an average of 16.4 analysts, small-cap stocks receive coverage from only about 5.7 analysts, according to Russell Investments.

On September 21 this year, following Standard & Poor’s latest quarterly rebalancing of its indexes, among the stocks demoted to the S&P 600 were two beer stocks: Molson Coors from the S&P 500, and Boston Beer from the S&P 400. The stocks, which were both declining, slid further after the index rebalancing was announced on September 4. They now trade near their 10-year lows. Perhaps in the near future, the excess capacity in the beer and alcohol businesses may be reduced. Also, the decline in demand, due to consumers taking GLP weight loss drugs, may stabilize.

Buffett invested his own money alongside partners. Investments held by him, relatives and office staff totaled over $27 million of the partnership’s $104 million in net assets, according to his January 1969 partnership letter.

In 1968, the partners enjoyed a 45.6% gain, compared to a 7.7 % total return for the Dow, according to the letter. To research and find value stocks, Buffett cautioned at the 2024 Berkshire annual meeting, “you have to be in love with the subject. You can’t just be in love with the money.”

How Nvidia Can Move Forward Without Its Founder


On November 12, after several days of a fast-moving scandal in which he was alleged to have had affairs with multiple women (including a possible Chinese spy), Jensen Huang resigned as CEO of Nvidia. The board named CFO Colette Kress as interim CEO and Harvey Jones as its first-ever board chair.



One Microsoft glitch stalled courts, government and police—exposing America’s fragile systems



On Thursday, Nov. 12, a widespread Microsoft outage left millions around the world unable to send emails, open Outlook, or use workplace tools like Teams. At first it sounded like a corporate problem: unanswered emails, derailed meetings, employees unable to get work done. Some even welcomed the break. “Thank you Microsoft. Can you do this every Friday?” one X user joked.

But the damage reached far beyond the office. Police departments struggled to receive online crime reports, hospitals fell back on other ways to communicate, and some government services were suspended.

The disruption exposed how deeply governments and essential public services now depend on a single private company’s technology, and how something as ordinary as an email outage can interfere with the systems people rely on for public safety, health care, and justice.

Police, courts, and governments lost a key line of communication

In California, the Los Angeles County Sheriff’s Department reported disruptions to its email and other essential communication platforms. The Los Angeles Police Department and the county district attorney’s office also had email problems.

Law enforcement elsewhere was hit too. In Florida, St. Lucie County confirmed that its sheriff’s office and fire district were affected. Colorado’s Weld County Sheriff’s Office reported email problems and asked residents to call or text instead.

Across the Atlantic, British police forces including Dorset, Cumbria, South Wales, Wiltshire, and Dyfed-Powys had trouble receiving online crime reports, according to The Sun. Some forces said officers and staff could not access Outlook. Emergency phone lines kept working.

Courts were not spared either.

In Maine, the state’s judicial branch warned that requests for protection orders submitted by email after 12:30 p.m. Thursday might never have reached the courts. In New York City, evictions scheduled for Friday, Nov. 13, were suspended; the city’s Department of Investigation said the decision followed consultation with the Civil Court.

In Britain, The Guardian reported that a criminal trial in Manchester was suspended for the day, with jurors sent home and court staff searching for a fax machine. Some civil court judgments were pushed to Monday.

In Colorado, the Arapahoe County Sheriff’s Office said its jail could not process online bond payments because staff weren’t receiving confirmation emails. Anyone seeking an inmate’s immediate release had to pay in person.

The outage also stalled legislative work and city governments. On Capitol Hill, congressional staffers struggled to reach their email and calendars. “There goes a day of legislative work,” one House staffer told Politico.

The cities of Austin, Texas, Jacksonville, Florida, Richmond, Virginia, and Laurel, Maryland, also reported email or other Microsoft-related disruptions and pointed residents to other channels.

Governments across the Asia-Pacific region were hit as well. Australia’s spy agency, the Australian Security Intelligence Organisation, and the Australian Federal Police confirmed they had been affected, according to CNA.

Singapore’s Government Technology Agency reported disruptions to government systems, though emergency services and Singpass stayed up. Japan’s Foreign Ministry said it could not send or receive emails, and the Philippines’ Supreme Court warned of delays in email responses and other transactions.

Hospitals, airlines, and trains felt it too

In Canada, Unity Health Toronto, which runs several hospitals, declared a Code Grey, an alert used for infrastructure failures, after staff had trouble sending and receiving emails. The network stressed that patient and resident care was not affected and its facilities stayed open. Toronto’s Hospital for Sick Children, known as SickKids, also warned that some calls and emails to staff might not go through.

In Britain, the National Health Service was affected. According to The Guardian, health care workers had trouble accessing emails, appointment information, and patient data, and some services turned to backup systems or paper records. The National Pharmacy Association warned of prescription delays as pharmacies struggled to reach doctors and patients through NHS email.

Transportation companies faced a different problem: reaching passengers.

Canada’s VIA Rail warned that travelers might not receive trip emails and pointed them to its train tracker and text alerts. Britain’s National Rail advised passengers who couldn’t open emailed tickets to retrieve them through their ticket retailer’s website or app.

Airlines including India’s IndiGo and Hong Kong’s Cathay Pacific also reported email problems, although flights generally ran as normal.

The hidden costs for everyone else

Microsoft said in January that it had more than 450 million paid Microsoft 365 commercial seats, according to the Associated Press, though how many users were affected Thursday is hard to pin down.

For people who get verification codes or password-reset links by email, losing Outlook could mean getting locked out of other accounts too. That could hold up online banking, payments, document signing, and other everyday transactions, even when those services were working normally.

For small businesses that run much of their day on Microsoft 365, routine tasks like answering customers, scheduling meetings, or sending invoices could grind to a halt.

The outage also gave scammers an opening. The University of Sussex warned students and staff about people posing as Microsoft engineers and asking for passwords or other login details under the pretense of fixing email.

The full economic cost, including lost productivity and missed business, remains unclear.

Why governments keep relying on one provider

In 2022, Google, which sells a competing productivity suite, commissioned a survey warning about the risks of an IT “monoculture,” in which governments rely heavily on one company’s technology. Four years later, this outage showed how far that dependence has spread.

The survey, conducted by Public Opinion Strategies, found that 84% of D.C.-area government employees primarily used Microsoft products. A 2021 report by Omdia, co-commissioned by Google and the Computer & Communications Industry Association, cited an earlier estimate that Microsoft held 85% of the U.S. government’s office productivity software market. Microsoft even offers Office 365 Government, a version of its suite built specifically for government agencies.

Jeanette Manfra, then Google Cloud’s head of risk and compliance, wrote that more than half of respondents believed the government’s dependence on Microsoft made it more vulnerable to hacking or cyberattacks.

The appeal of an all-in-one platform is easy to see. Organizations can use one provider for email, calendars, meetings, and document sharing instead of maintaining separate systems.

But according to Google’s survey, the reason governments stick with Microsoft “has more to do with inertia than innovation.” Nationwide, 59% of respondents who used Microsoft at work said their employers chose it because it was the most effective tool for their jobs, while 41% said it was because their employers had always used Microsoft and were reluctant to change.

A June 2026 Government Accountability Office report shows why diversifying isn’t simple. Of the 24 federal agencies examined, 11 reported technical challenges in adopting multiple cloud vendors, including interoperability issues, and 10 cited resource constraints in building the cloud workforce they need.

What one company’s mistake revealed

Microsoft said Friday that it was seeing broad recovery after identifying a technical issue introduced during an earlier network capacity upgrade, which surfaced after a more recent network change. The company said the incident was not related to a cyberattack or AI systems and apologized for the disruption.

Google’s warning four years ago focused on hackers. This week’s outage needed none. A routine network change at one company was enough to send jurors home, stall protection orders, and leave hospitals reaching for paper.