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Banco de España to Increase the Countercyclical Capital Buffer (CCyB)

B2 – Upper Intermediate

Banco de España has announced an increase in the countercyclical capital buffer (CCyB) rate from 0.5% to 1%, effective 1 October 2026. This decision comes after confirming that Spain’s cyclical systemic risk remains at an intermediate level. 

The move aims to strengthen the resilience of the Spanish banking system, ensuring that banks have sufficient capital to absorb potential losses during economic downturns. The measure was supported by the European Central Bank (ECB) and AMCESFI, Spain’s macroprudential authority.

Read the article and learn more about the new financial law.

https://www.bde.es/f/webbe/GAP/Secciones/SalaPrensa/NotasInformativas/25/presbe2025-90en.pdf

Vocabulary words:

  1. What does “countercyclical capital buffer” mean? “The Banco de España resolves to increase the countercyclical capital buffer (CCyB) rate to 1%.“
  2. What does “macroprudential” mean? “In accordance with the corresponding regulations, the Banco de España has informed the European Central Bank (ECB) and AMCESFI, the Spanish macroprudential authority, of the content of the draft decision.” Use it in a sentence.
  3. What does “draft decision” mean? “In accordance with the corresponding regulations, the Banco de España has informed the European Central Bank (ECB) and AMCESFI, the Spanish macroprudential authority, of the content of the draft decision.” Use it in a sentence.

Discussion Questions:

  1. What is the purpose of increasing the countercyclical capital buffer (CCyB) for banks in Spain?
  2. How might raising the CCyB rate from 0.5% to 1% affect Spanish banks and their lending activities?
  3. Why is it important for the Banco de España to monitor “cyclical systemic risk”?
  4. The CCyB increase will only take effect in October 2026. Why do you think there is a delay before enforcement?
  5. In your opinion, how can measures like this contribute to long-term financial stability in Europe?

Spain’s Kreios Space

B2 – Upper Intermediate

Spain’s Kreios Space, a pioneering SpaceTech startup based in Vigo, has secured €8 million in the largest European investment yet for very low Earth orbit (VLEO) satellite technology. The funding round, led by the NATO Innovation Fund and JOIN Capital, will accelerate the development of Kreios’ groundbreaking air-breathing plasma propulsion system and support the launch of its first two satellites into orbit.

Founded in 2021, Kreios Space is redefining satellite propulsion with its Air-Breathing Electric Propulsion (ABEP) system, which uses atmospheric air instead of traditional onboard fuel. This innovation enables satellites to operate closer to Earth for extended periods, providing sharper imaging, faster broadband connectivity, and new opportunities for defence, climate monitoring, and disaster response — thereby strengthening Europe’s independence and leadership in the global space sector.

Read this article and learn more about the project.

Spain’s Kreios Space secures €8 million to bring satellites closer to Earth and strengthen European strategic autonomy

Vocabulary Questions:

  1. What does “seed round” mean? “The Seed round was led by the NATO Innovation Fund and Berlin-based JOIN Capital, with participation from Grow Venture Partners, Xesgalicia, and Tasivia Global.” Use it in a sentence.
  2. What does “sovereign broadband communication” mean? “Meanwhile, the potential for resilient, sovereign broadband communications could transform connectivity for remote regions, emergency response, and military operations.” Use it in a sentence.
  3. What does “direct-to-device broadband” mean? “By bringing satellites closer to Earth, they enable high-resolution imaging and direct-to-device broadband at an entirely new level – capabilities vital for European security.” Use it in a sentence.

Discussion Questions:

  1. What is Kreios Space, and what recent achievement has it made?
  2. How might Kreios Space’s innovation change global space competition?
  3. Do you think VLEO satellites could replace traditional ones in the future? Why or why not?
  4. What risks might investors face when funding new space technologies?
  5. Do you think space innovation should be a priority for governments? Why or why not?

Health Systems Stop Medicare Telehealth Appointments

B2 – Upper Intermediate

As of September 30, 2025, Medicare’s expanded telehealth coverage, introduced during the COVID-19 pandemic to make care more accessible, is set to expire unless Congress steps in.
This change could particularly impact older adults who depend on virtual visits due to mobility issues or chronic illnesses. Some telehealth services, like mental health, will continue under separate rules, but many others may not.

Read the article to know more about why smaller clinics may not be able to keep offering virtual visits without reimbursement, which could widen gaps in access to care, especially in rural or underserved communities.

https://abcnews.go.com/Health/hospitals-health-systems-stop-medicare-telehealth-appointments-amid/story?id=126300439

Vocabulary Questions:

  1. What does “retroactive reimbursement“ in Medicare mean? “Most providers and hospital systems are taking calculated risks to continue care during this time, but long-term continuity depends on action by our telehealth champions in Washington to restore these flexibilities and ensure retroactive reimbursement.“ Use it in a sentence.
  2. What does “woefully” mean? “Our health care services are regressing, falling woefully short for millions of patients in need.” Use it in a sentence. Give a synonym.
  3. What does “advocacy arm” mean? “In a statement, ATA Action, the advocacy arm of the American Telemedicine Association, urged Congress to reinstate Medicare telehealth flexibilities.” Use it in a sentence.

Discussion Questions:

  1. Do you think telehealth should stay permanently covered by Medicare? Share your thoughts.
  2. Have you or someone you know tried a telehealth appointment before? How was the experience?
  3. What health concerns do you think are best handled online versus in person?
  4. How do you think rural communities will be affected if telehealth coverage ends?
  5. Would you personally feel comfortable relying on telehealth for most of your care? Why or why not?

BrainCo Collects Brain Data from Elite Athletes and Schoolchildren

B2 – Upper Intermediate 

An investigation is underway regarding China accessing neural data from BrainCo’s focus-training headband that some top athletes use.

Athletes wear this wearable headband because it helps them get in the zone. It enables them to monitor their brainwaves which could help them optimize their performance.


Read the article to know more about BrainCo and the rise of brain-computer interface (BCI) technology.

BrainCo: The “Harvard” Startup That Became A “Little Dragon” in China — With Brain Data From U.S. Olympians and Schoolchildren

Vocabulary Questions:

  1. What does “brain-computer interface (BCI) technology” mean? “That was long before Beijing’s announcement of its major goal this year: leading the world in brain-computer interface (BCI) technology by 2030.” Use the term in a sentence. 
  2. What does “dual-use potential” mean? “This dual-use potential is why both superpowers are racing to control it. Whoever has the most neural data and best algorithms could gain an unprecedented advantage in medicine, commerce, or warfare.” Use the term in a sentence. 
  3. What does “aggregated data” mean? “BrainCo’s privacy statement explicitly saying it collects brain wave data from users and that aggregated data may be sent to any office worldwide or even third parties.” Use the term in a sentence. 

Discussion Questions:

  1. What are the positives and negatives of BrainCo’s wearable focus-training headband?
  2. Do you believe BrainCo is telling the truth when they say that any brain data collected is “purged from the application at the conclusion of each use”? Share your insights.
  3. Share your opinion about some Democratic U.S. senators’ warning about the potential exploitation of sensitive neural data and that Chinese companies are purportedly developing brain-control weaponry.
  4. Share your thoughts that some companies are promised special government support for technologies deemed critical to military dominance.
  5. “The potential applications of BCI unlocked by AI could be boundless — and dangerous.” Share your opinion.
  6. Share your insights on BCI tech’s dual-use potential.

Billions Lack Basic Services in Health Care Facilities

B2 – Upper Intermediate

A new report from WHO and UNICEF finds that although over 100 countries are working to upgrade basic services in health care facilities (like water, sanitation, hygiene, waste management, and reliable electricity), billions of people still receive care in facilities lacking these essentials.

Read the article to know why the authors warn that without adequate infrastructure, health workers struggle to prevent infections and deliver safe care.

https://www.who.int/news/item/24-09-2025-countries-making-unprecedented-efforts-but-billions-still-lack-basic-services-in-health-care-facilities—who-unicef-new-report-warns

Vocabulary Questions:

  1. What does “roadmap” mean here, “While there is progress in establishing standards, conducting baseline assessments, and developing national roadmaps, billions are still served by facilities without the basics.” Use it in a sentence.
  2. What does “baseline assessment” mean? “More than 80% of countries have implemented at least one national action, such as developing standards or conducting baseline assessments.” Use it in a sentence.
  3. What does “scale up” mean? “National action is scaling up.” Use it in a sentence. Give a synonym.

Discussion Questions:

  1. Why do you think some hospitals and clinics still don’t have clean water or electricity?
  2. How important is sanitation and hygiene in health care facilities?
  3. What could happen to patients if these basic services are missing?
  4. Who do you think should be responsible for improving health care facilities, governments, communities, or international groups?
  5. If you were a health worker, how would you feel working in a place without proper resources?

Revenge Quitting

B1 – Intermediate 

There is a new workplace trend that is on the rise. It’s when an employee intentionally causes damage to an employer image to express dissatisfaction at work. This is called “revenge quitting”.

We are seeing an increase in revenge quitting because of dissatisfaction of employees with their place of work.

Read the article and be ready to talk about revenge quitting.

https://breakingnewsenglish.com/2509/250922-revenge-quitting.html

Vocabulary Questions:

  1. What does “disgruntled” mean, “Disgruntled employees are posting details of their resignations online.” Use the word in a sentence. Give a synonym or similar expression.
  2. What does “handover” mean? “Examples of this are deleting data and files, not helping with the handover of duties, and exposing sensitive information.” Use the word in a sentence. Give a synonym or similar expression.
  3. What does “to vent rants” mean? “Other posts show workers suddenly walking off the job, viral resignation messages, or venting frustrations with rants against former bosses.” Use the idiom in a sentence. Give a synonym or similar expression.

Discussion Questions:

  1. What is your opinion about revenge quitting?
  2. “Gen Z workers were more likely to engage in revenge quitting.” Why do you think this is?
  3. What can employers do to prepare or respond to such actions from dissatisfied employees?
  4. If you know a candidate did revenge quitting on their former employers, would you hire them? Why or why not?
  5. Talk about an example of revenge quitting that you know of. 

A New Drug Shows Promise for Hard-to-Treat High Blood Pressure

B2 – Upper Intermediate

The drug, called baxdrostat, was tested in people with treatment-resistant hypertension (high blood pressure that doesn’t respond well to existing medicines). In the trial, those taking baxdrostat plus standard medication had their systolic blood pressure fall about 9-10 mmHg more than people on placebo.

Read the article to know more about baxdrostat.

A new drug shows promise for hard-to-treat high blood pressure

Vocabulary Questions:

  1. What does “resistant hypertension” mean? “The results of a large clinical trial, published August 30 in the New England Journal of Medicine, suggest that baxdrostat could offer an alternative for people with resistant hypertension.” Use it in a sentence.
  2. What does “hyperfiltration” mean? “Kidney effects were minor and may even be beneficial, he says, because they may reduce harmful hyperfiltration.” Use it in a sentence.
  3. What does “withdrawal phase” mean in a clinical trial? “The trial also included an eight-week withdrawal phase.” Use it in a sentence.

Discussion Questions:

  1. What are the potential benefits of baxdrostat? How about the What are the concerns and side effects?
  2. Share your thoughts on this, “Hypertension, or high blood pressure, is a serious condition where blood pressure is consistently too high, affecting over 1.2 billion adults globally.“
  3. Why do you think it is important to keep find new hypertension medicines?
  4. What are some ways people can lower their blood pressure without medicine?
  5. Do you know anyone who struggles with hypertension? How is it like for them?

Artificial Intelligence to Forecast Future Health

B2 – Upper Intermediate 

Another way experts is developing on how to utilize artificial intelligence is for it to be able to predict possible health issues years ahead of time.

Delphi-2M has been learning to spot patterns using anonymous medical records so it can foretell what comes next and when.

However, it won’t be able to say exactly when the date will be of a medical event like a heart attack or stroke. It estimates the probability of 1,231 diseases though.

Read the article about artificial intelligence’s ability to forecast people’s health issues.

https://www.bbc.com/news/articles/cx2pj502ev6o

Vocabulary Questions:

  1. What does “stack up” mean here, “The model was then tested to see if its predictions stacked up using data from other Biobank participants, and then with 1.9 million people’s medical records in Denmark.” Use the phrase in a sentence. Give a synonym or similar expression.
  2. What does “cut back” mean? “This could include medicines or specific lifestyle advice – such as people likely to develop some liver disorders benefitting from cutting back their alcohol intake more than the general population.” Use the phrase in a sentence. Give a synonym or similar expression.
  3. What does “scalable” mean? “This research looks to be a significant step towards scalable, interpretable, and – most importantly – ethically responsible form of predictive modelling in medicine.” Use the word in a sentence. Give a synonym or similar expression.

Discussion Questions:

  1. Share your thoughts on this technology. What do you think are its promises and pitfalls?
  2. Do you see this technology “following a similar path to the use of genomics in healthcare where it took a decade to go from scientists being confident in the technology to healthcare being able to use it routinely“? Why or why not?
  3. What can you say about this, “The technology has learned to spot patterns in people’s medical records to calculate their risk of more than 1,000 diseases.”
  4. “The researchers say it is like a weather forecast that anticipates a 70% chance of rain – but for human health.” Is this reliable enough? Share your opinion.
  5. Do you think this technology can be considered an “ethically responsible form of predictive modelling in medicine“? Share your insights.

NHS to Lose Out on New Drugs, Novartis Warns

B2 – Upper Intermediate 

According to the pharmaceutical giant Novartis, NHS patients will not have the opportunity to gain access to new cutting-edge drugs due to the steep, continuous increase in drug pricing.

Read the article about UK’s NHS losing access to new innovative treatments due to failed drug pricing deals with the pharmaceutical giant Novartis.

https://www.bbc.com/news/articles/c4gzk1p90q1o

Vocabulary Questions:

  1. What does “outlier” mean? “Mr Kahlstrom, managing director of Novartis’ UK and Ireland operations, told the BBC’s Today programme that the UK remains an outlier and patients still lose out and I think we have to be honest about that.” Use the word in a sentence. 
  2. What does “rebate rate” in healthcare mean? “However, the actual rebate rate has risen to 23.5%, which Novartis said was more than triple the 7% rate in Germany, for example.” Use the term in a sentence. 
  3. What does “Qaly” mean? “The National Institute for Health and Care Excellence (Nice) considers medicines costing between £20,000 and £30,000 per Qaly as good value for money.” Use the term in a sentence. 

Discussion Questions:

  1. Share your insights regarding this, “A body assesses whether a new drug is value for money before approving it for use on the NHS, but Novartis said its methods were outdated and made it harder for innovative drugs to be approved and launched.” Is it the same process in your country?
  2. Share your opinion on these statements from Novartis boss and UK Health Secretary, “Norvartis’ [sic] UK boss Johan Kahlstrom said costs meant the UK was “largely uninvestable”, but Streeting has vowed he will not allow firms to “rip off” taxpayers.”
  3. “Novartis was not considering the UK for major new investments in manufacturing, research, or advanced technology because of systemic barriers.” What might be the effect of this to the UK’s healthcare system?
  4. “Another drug company, Gilead Sciences, would not submit its breast cancer drug for assessment by Nice, blaming the UK for undervaluing medicines.” Do you believe the UK is indeed undervaluing medicines? Share your thoughts.
  5. What do you make of this, “The UK was under invested on medicines with “only 9% of the healthcare budget in the NHS” being spent on drugs compared to about 14% in France and 15% in Germany.”?

Cybersecurity Threats in EU

B2 – Upper Intermediate 

The more the digital landscape transforms, the more threats to cybersecurity emerge. 

The European Union Agency for Cybersecurity’s (Enisa) “The Threat Landscape 2024 Report” reveals top cyberthreats in the recent years. It also indicates the top sectors that are most vulnerable to these cybersecurity attacks.

Read the article about some main and emerging cybersecurity threats in EU.

https://www.europarl.europa.eu/topics/en/article/20220120STO21428/cybersecurity-main-and-emerging-threats

Vocabulary Questions:

  1. Define “cyberwarfare”. “Attacks of this type are getting larger, more complex and less expensive to perpetrate and are strongly connected to cyberwarfare.” Use the term in a sentence.
  2. Define “ransomware”. “In 2024, ransomware attacks continued to be one of the main cyberthreats.” Use the term in a sentence.
  3. Define “pilfer”. “An especially popular form are information stealers – malware that pilfers sensitive data.” Use the term in a sentence.

Discussion Questions:

  1. Share your insights on this, “The increasing use of social media platforms and online media has led to a rise in campaigns spreading disinformation (purposefully falsified information) and misinformation (sharing wrong data).” Do you think these occur in your country as well? Talk about it in more details.
  2. What is your opinion about public administration being the top sector most affected by cybersecurity threats?
  3. What are your thoughts on Deepfake technology?
  4. Share your opinion about cyber operations being used alongside traditional military action, by Russia, for example.
  5. Do you think “hacktivism” is good or bad? Share your thoughts.