A 28 year old paid $18,000 to invent 4 MILLION fake customers. JPMorgan paid her $175 MILLION without checking a single name. Then paid another $100 MILLION for the lawyers who put her in prison.
> Charlie Javice founded Frank in 2017 at 24 years old.
> A platform that helped college students apply for financial aid. It worked. Just not at the scale she was about to claim.
> By 2019 she was on Forbes 30 Under 30 and by 2021 JPMorgan wanted to acquire her.
> The bank offered $175 MILLION but on one condition: prove you have the customers you say you have.
> Frank had fewer than 300,000 real users.
> Javice paid a data science professor $18,000 to generate a list of 4.25 MILLION fake students. Fake names, fake emails, fake birthdates and even fake income levels.
> JPMorgan signed the check without verifying a single one.
> She personally walked away with $29 MILLION and a managing director title at the largest bank in America.
> Then JPMorgan tried to send marketing emails to Frank's supposed 4 MILLION customers.
> 70% bounced.
> An engineering director testified that the week before the deal closed, Javice asked him to help fabricate the numbers.
> He refused and she told him: "We don't want to end up in orange jumpsuits."
> She was arrested in 2023. While out on $2 MILLION bail awaiting trial, she became a Pilates instructor in South Florida.
> In March 2025 a jury convicted her on all four counts bank fraud, securities fraud, wire fraud, and conspiracy.
> Sentenced to 85 months in federal prison and was ordered to pay $287.5 MILLION in restitution.
> Then the final twist. Because the acquisition contract had made her a JPMorgan employee, the bank was legally required to cover her entire legal bill. It exceeded $100 MILLION.
> The judge told JPMorgan they had "a lot to blame themselves" for not checking before signing. Then sentenced her anyway.
She paid $18,000 to fake 4 MILLION customers and sold the lie to the largest bank in America. JPMorgan paid $175 MILLION for the company. Then $100 MILLION for the lawyers who sent her to prison.
The South African Gambling Impact Study, conducted in May 2026 among 1 028 South Africans who had gambled online in the previous 30 days, aimed to understand the hidden human cost of online gambling. It found that:
• 57% of participants had sacrificed essentials such as groceries, airtime, transport money, rent or debt repayments to fund their gambling;
• 29% had borrowed money to gamble;
• 59% admitted to chasing losses by placing another bet on the same day after losing;
• 28% were unaware that gambling operators provide limit-setting tools designed to manage spending;
• 61% of respondents were women, challenging traditional assumptions that online gambling is predominantly a male behaviour;
• 26% spent more than 10% of their monthly income on gambling; and,
• 5% said that they could not stop gambling, even when they tried to.
Moms: “Yeah my uterus fell out, vagina tore in half, toenails fell off, teeth fell out, developed diabetes, the doctor had to cut me open with no anesthesia, started to lose my grip on reality nd thought the Hamburgler was trying to kidnap my baby after not sleeping for two years, nd still have to wear a diaper. Then my husband tried to poison me with slugs and ran off with a high schooler because he said I wasn’t trying anymore.”
Men: I want a babyb🫶
I have a prepaid meter and I have tried geyser on and geyser off. The conclusion was geyser off cos the electricity doesn’t constantly drain like it does when it’s on. Additionally. I only need about 20mins to heat up my water so🤷♀️
Also, another pandemic we don’t speak of is refrigerators. Your fridge settings affect your electricity usage and I discovered this when I once changed the settings (I don’t remember why) but after that my electricity was going like crazy. Eventually I realized the only thing that had changed was my fridge and I set them back to how they were. And voila, my electricity wasn’t depleting as fast anymore.
There’s this AI Xhosa artist called Klay Klay trained using Simphiwe Dana’s voice.
I hate it so much rhaaa! There’s that Mvula Ine song that everyone loves and I’m just 🤢