A more temporary form of hair loss is telogen effluvium or when hair follicles get stuck in the telogen or resting phase and stop growing new hair. Telogen effluvium can occur three months after a significant medical event like childbirth, surgery, or a high fever, but can also be caused by a thyroid imbalance or iron deficiency. Certain medications like blood thinners and birth control pills are also linked to this form of hair loss.
Rub the gel-like sap/juice of the aloe vera leaf directly on your scalp. Leave it on for a few hours and then rinse with lukewarm water. Do this three to four times a week. You can also mix a tablespoon of aloe vera gel with wheat grass juice to boost hair growth. Wheatgrass is also rich in protein, vitamins C and E and other minerals. Drink the wheatgrass juice mixed with aloe vera extract for two weeks to stop hair breakage and minimize hair fall.
Pfizer Reports Positive AA Trial Results – A JAK3 inhibitor and a tyrosine kinase inhibitor (TYK2/JAK1) have shown statistically significant results in a phase 2a trial conducted by Pfizer. The company announced the results on September 15, 2018 at the European Academy of Dermatology and Venerology Congress. Subjects of the trial received oral doses of the drugs over a 6 month period. The TYK2/JAK1 inhibitor showed the greater efficacy, improving hair regrowth by 49.5 points on the Severity of Alopecia Tool scale, compared to an improvement of 33.6 points by the JAK3 inhibitor. However, Pfizer has apparently decided to move forward with its JAK3 inhibitor due to 2 adverse events in the TYK2/JAK1 inhibitor cohort during the trial. Pfizer’s JAK3 candidate, PF-06651600, was also recently granted Breakthrough Designation from the US FDA for treating alopecia areata. 
In fact, hair loss cures and treatments are a dime a dozen. There are cures that are designed for temporary hair loss conditions, and others more are available for permanent cases. It's also important to note that some of these cures are specific to the cause and the type of hair loss, and other treatments don't apply for other cases such as pattern balding. We've listed them all the same in order to give you a good idea of the breadth of choices available.
Lately I’ve been receiving a few inquiries from readers about Shiseido and Brotzu release dates. So, I’m going to address the situation here and hope that this will be sufficient until more news comes from direct sources. I estimate that these companies would publicly address the release date of their products by the end of Q3 this year (end of Sept). As consumers we know there’s no guarantees for releases and if one or both of these products reached the market this year it would be a very fortunate situation. So, keep an eye out, but loosen the grip a little. The news will come when it comes. When there is news it will be visible here.
3. Scalp tonic. Serums with peptides or procyanidins (a class of antioxidants) such as niacinamide can help support overall scalp health and reduce inflammation, which is a major component of hair loss, says New York City dermatologist Doris Day. Try René Furterer Triphasic Progressive Concentrated Serum ($82), Julien Farel Magnifique Delay the Gray Hair & Scalp Serum ($135), or Day’s own Rapid Regrowth Serum ($55) once daily before massaging a minoxidil product into the scalp (there’s no need to wait for it to dry in between). “In addition to being anti-inflammatory,” Day says, “scalp tonics help minoxidil penetrate the scalp better and can minimize potential irritation from it.”
While the drug is generally safe for use, some possible side effects are mild irritation of the scalp, dryness and growth of hair on some parts of the body, especially the sides of the face and hands. In some cases, you might observe some increased hair loss around the first few days of use. If the hair fall continues after two weeks upon application of minoxidil, stop the treatment first and see a doctor.
Sadick suggests avoiding “products with dyes and preservatives, like parabens and synthetic fragrances.” Ingredients that thicken the hair include amino acids, biotin, ginseng root, and menthol or peppermint oil — these are what you want to look for. “Amino acids provide the building blocks to build new strands, while biotin, part of the B-vitamin complex, is required by hair to metabolize amino acids and can help strengthen hair,” Sadick says. “Antioxidants such as vitamin E and ginseng are beneficial to promote hair growth because they reduce free radicals from sun, stress, or overprocessing and have anti-inflammatory properties.” Last but not least are the botanicals, which are great as they are rich in antioxidants and other compounds that stimulate blood flow and promote hair growth.
NFL Hall of Fame player Deion Sanders has recently undergone a hair transplant. He has not been shy about discussing it publicly and over the last several weeks has actually continued to put out a slew of hilarious and outrageous posts pertaining to his renewed follicles. For his first announcement to social media, he posted this jubilant and priceless video to his Instagram:
Examination of the scalp in patients with telogen effluvium typically shows uniform hair thinning. The presence of erythema, scaling, or inflammation; altered or uneven hair distribution; or changes in shaft caliber, length, shape, or fragility may suggest other diagnoses. Laboratory investigations are indicated if the history and physical examination findings suggest underlying systemic disorders (e.g., iron deficiency anemia, zinc deficiency, renal or liver disease, thyroid disease).
The cause of female-pattern hair loss is unknown, but doctors said there is a strong genetic component. The risk can come from male or female relatives. Though it looks as if the hair is falling out, that's not really what's happening. Cotsarelis said hair follicles are becoming smaller and producing hairs that may be so small that you can't see them.  Women tend to retain more normal, thick hairs than balding men do.
The most popular low-light laser therapy product is developed by Hairmax. They have a series of Hairmax Laser Combs. Treatment is applied weekly or more frequently. Notably, the Hairmax Laser Comb was the 3rd product to receive FDA approval for treatment of genetic balding. It followed Minoxidil and Finasteride. Though some scalps are very responsive to this laser treatment, others seem to only reap the benefit of slowing hair loss. Another downside is that each treatment session takes about 15 minutes, where the laser comb must be directed towards thinning and bald areas. Unless you have a handy device such as the one in the image, you stuck doing things manually.
Hair loss is not a hopeless condition. While there are certainly cases of permanent hair loss in men, there are still cases when it's only temporary and therefore can be treated, controlled and prevented. There are treatments and cures available, and many of these, especially those for temporary cases, can be as simple as lifestyle changes -- eating the right foods, learning to manage stress properly, and doing away with unhealthy, nasty habits that can aggravate the condition.

Aside from medication and lasers, some opt for hair transplants — a procedure where hairs are removed from another part of your body and then transplanted to the thinning or balding areas. Does it work? In a word, yes. Research suggests that most hair transplant recipients report are "very satisfied" with their results. While successful, transplants are also far more expensive than medications, foams, or lasers with costs averaging anywhere from $4,000 or $15,000.


The Holy Grail remains a drug that will promote regrowth, but this might not be so far away. Earlier this year, Manchester University announced that an osteoporosis drug had been found to have “dramatic results” promoting hair growth when applied to tissue samples in pre-clinical trials. The resultant frenzy left the PhD student responsible, Dr Nathan Hawkshaw, a little dazed. “Every other week, something comes out about hair loss and it doesn’t generate as much media coverage as what I experienced,” he grumbles. He’s in this for the science – there aren’t many fields where you get to mess around with real human tissue – but such is the distress caused by hair loss and such is the potential customer base that interest is always high.
Blow dryers, flat irons, and other devices: Frequent use of a blow dryer tends to damage hair. The high heat from a blow dryer can boil the water in the hair shaft leaving the hair brittle and prone to breakage. Dermatologists recommend that you allow your hair to air dry. Then style your hair when it is dry. Dermatologists also recommend limiting the use of flat irons (these straighten hair by using high heat) and curling irons.
Finding the best hair loss shampoos for men can sometimes feel like a wild goose chase. In this article, We have done the heavy lifting for you and identified the best options and put them alI in one place. Interested in keeping that silky mane flowing strong? Shampoo is a big part of how you care for those luscious locks and the scalp underneath. It makes sense that you wouldn’t want to use just any shampoo, especially if you’re battling balding. Your hair deserves better. Read on my friend.
Finasteride (brand name Propecia) is the closest to a hair loss cure pill that scientists have discovered to date. This is a DHT hair loss cure. DHT is made when 5 alpha reductase converts testosterone, and Propecia has been found to be an effective inhibitor of DHT by preventing this process from happening. It works internally, at the root of the cause. Therefore, DHT sensitive hair follicles in the front and top of the scalp don’t have to fight off nearly as much DHT.
Blow dryers, flat irons, and other devices: Frequent use of a blow dryer tends to damage hair. The high heat from a blow dryer can boil the water in the hair shaft leaving the hair brittle and prone to breakage. Dermatologists recommend that you allow your hair to air dry. Then style your hair when it is dry. Dermatologists also recommend limiting the use of flat irons (these straighten hair by using high heat) and curling irons.
Our specially formulated natural remedy for hair loss and shedding is made with natural ingredients. We use high quality products, such as D Panthenol, tea tree oil and evening primrose, to nourish the scalp. This eliminates current hair loss and prevents future problems. It targets the root of falling hair, and penetrates the scalp and hair follicles for itch free, flake free skin that is nourished and ultra hydrated. Our formula rejuvenates and regenerates skin and hair follicles for revitalized, beautiful hair.
OK, we know what’s on your mind at this point, and the answer is no. Drinking massive quantities of coffee or other caffeine-laden drinks will not help make hair grow. As one scientist pointed out, you’d have to drink 40 to 50 cups of coffee for caffeine to have any kind of therapeutic benefit for your hair roots because caffeine is easily diluted and quickly excreted by the body. Besides, that amount of coffee would be toxic because caffeine is, well, kind of a drug.
It wasn’t quite the “accident” it was portrayed to be. He worked out that the drug targeted a protein called SFRP1, which affects follicle growth. He looked into the literature and discovered there was a pre-existing osteoporosis drug, WAY-316606, designed to target this protein with much more precision. So he applied that to leftover slabs of scalp donated by hair transplant clinics. “We usually do experiments for over a week. We put the hair follicles in a dish and this drug enhanced hair shaft elongation within two days. But it also kept the hairs healthier. When you look at them, they’re larger, thicker hair follicles. So, it’s quite promising.”
Key features: Ducray's Kelual Anti-Dandruff shampoo is the best choice for hair loss from severe dandruff or scalp issues. Dr. Zeichner specifically recommended the Ducray brand for soothing inflammation and itchiness on the scalp caused by seborrheic dermatitis. At $28 for a 3.3-ounce bottle, this is a pricier option, but people say the heavy-duty formula really works for severe dandruff.
But you must start these medical therapies before you lose all your hair. McAndrews likens it to brushing your teeth, in that both are preventative measures. “The sooner you start doing it, the better at slowing down this aging process,” he explains, adding, “Is toothpaste perfect? No, you’re still getting tooth decay with toothpaste, but you’re slowing down tooth decay.”
Hair thinning occurs in a sex-specific pattern. Men typically present with bitemporal thinning, thinning of the frontal and vertex scalp, or complete hair loss with residual hair at the occiput and temporal fringes.5 Women typically present with diffuse hair thinning of the vertex with sparing of the frontal hairline. Some women experience thinning over the lateral scalp. Common conditions that mimic androgenetic alopecia include thyroid disease, iron deficiency anemia, and malnutrition.
Hair loss is common in men as they grow older although it can affect them at any age. This can speed up for many different reasons although hormone related male pattern baldness is the most common of these.  The most common symptom for men is a receding hairline, you can combat further receding with treatments ranging from oral supplements, prescription serums, and shampoos.  We have a guide to the best hair growth supplements that has additional information
“There’s the ‘I don’t date bald men’ line – hard to argue with, but still an injury to one’s pride.” Then there are a surprising number of people who call out “baldie!” in the street, or equate a shaved head with homosexuality and/or neo-Nazism. “I’ve had baldist/homophobic abuse in the street a couple of times and I’ve even been asked on the Tube: ‘Are you BNP, mate?’ When I expressed bewilderment at this, I was told: ‘It’s the hair, innit.’”
The Holy Grail remains a drug that will promote regrowth, but this might not be so far away. Earlier this year, Manchester University announced that an osteoporosis drug had been found to have “dramatic results” promoting hair growth when applied to tissue samples in pre-clinical trials. The resultant frenzy left the PhD student responsible, Dr Nathan Hawkshaw, a little dazed. “Every other week, something comes out about hair loss and it doesn’t generate as much media coverage as what I experienced,” he grumbles. He’s in this for the science – there aren’t many fields where you get to mess around with real human tissue – but such is the distress caused by hair loss and such is the potential customer base that interest is always high.
NFL Hall of Fame player Deion Sanders has recently undergone a hair transplant. He has not been shy about discussing it publicly and over the last several weeks has actually continued to put out a slew of hilarious and outrageous posts pertaining to his renewed follicles. For his first announcement to social media, he posted this jubilant and priceless video to his Instagram:
A very kind and talented hair blogger from Japan, Fuji Maru Kagurazaka, recently contacted me and suggested that the blogs aimed at promoting hair growth treatments/cures for hair loss should unite their efforts and cooperate. While I acknowledge that the websites who are focused on this material are each unique and have their own (and sometimes differing) perspectives, I do believe that civility and solidarity are certainly desirable qualities for this sector.  Fuji wrote up this nice article about my website, check it out (make sure translate is on if you are not fluent in Japanese). And, I encourage you to read his other articles. Fuji has a sincere and highly detailed approach to hair growth blogging. His personality is highly welcomed and refreshing to the online hair community.
Thyroid medication. Hair loss as a result of thyroid problems will only be solved by treating the root cause. This means that you need to take medications for hypothyroidism in order to address the hormonal imbalance in the body. The most common medication for thyroid problems is levothyroxine, a synthetic version of thyroxine (thyroid hormone). Since the medication is used to address the thyroid problem and hair loss indirectly, the medication has to be continued even when you've gotten better or your hormone level has gone back to normal in order to continue hair growth.
I am so happy with this product. I have thinning hair and have used many products in the past trying to at least stop it. I don't expect a miracle for it to grow back but I would love to just stop the hair falling out. Immediately after using this just one day I already noticed improvements. I was told my hair shined more, it was softer and also fuller. The hair falling out has improved a lot. I have not personally noticed hair growth yet but its only been 2 weeks now and I can say without a doubt it has made my hair healthier. I will be getting more for sure
Pura d’or makes a very bold claim with this product: “continued use WILL prevent further hair loss.” While we doubt it will “prevent further hair loss” for everyone, it does have an all-star line up of ingredients. Even if it doesn’t completely stop hair loss, this organic shampoo is certainly the safest for your hair out of our top 5. This shampoo is designed for daily use.

A healthy scalp might be your ticket to improving overall fullness and density. Nioxin’s cleanser rinses away excess sebum, fatty acids, and other disruptive scalp residue, while also coating strands with BioAMP, a signature blend of amino acids and conditioners that aim to thicken and repair damaged hairs. “This is the best thing I've tried for my hair,” one Ulta reviewer commented. “It's very thin (genetics) and used to fall out in (what I'd call) clumps. I'm not seeing anywhere near as much hair all over the furniture, floor, sink, clothes. It's fabulous.”

The main type of hair loss in women is the same as it is men. It's called androgenetic alopecia, or female (or male) pattern hair loss. In men, hair loss usually begins above the temples, and the receding hairline eventually forms a characteristic "M" shape; hair at the top of the head also thins, often progressing to baldness. In women, androgenetic alopecia begins with gradual thinning at the part line, followed by increasing diffuse hair loss radiating from the top of the head. A woman's hairline rarely recedes, and women rarely become bald.
One of the longest running companies in the hair growth industry, Histogen, has been granted an IND from the US FDA for the use of its growth factor biologic (HSC) in female androgenic alopecia. The product will be called “HSC660” for use in women. IND stands for ‘investigational new drug’, and is a necessary permit that companies must obtain before starting clinical trials with a new medicinal substance. 
After the new article featuring Medipost’s hair growth cosmetic was published, Jay Lee PhD of Medipost, began chiming in on the comments section. He first shared that Medipost is currently engaging in a larger clinical trial for the CM3 product which would include higher scale Norwood’s. Then, in a following comment he revealed that Medipost is developing a potentially more advanced hair growth product as well. Here are his words:
Kerastem, a company developing an autologous fat-derived stem cell therapy for hair growth, has reported positive data from their phase 2 trial. The results have come from a 6 month clinical trial involving 70 patients. In this study, the patients received a one-time injection of fat-derived stem cells, and purified fat, into their scalp. Kerastem reports an average increase of 29 hairs per cm2 from the treatment, or an increase of 17% from baseline. The press release does mention that the treatment “successfully stimulates hair growth in people with early stage hair loss”, so that is something to take into consideration when evaluating the results. For more info visit Kerastem’s website. 

The key ingredient in Nizoral is ketoconazole, which reduces hair follicle inflammation that contributes to hair loss. Ketoconazole also kills fungi that cause dandruff, but there’s not so much of it as to be toxic (which large amounts of ketoconazole can be). It has been argued that dandruff may contribute to hair loss; while there’s no direct link, it’s certainly worth noting here.


And just like that, more fascinating hair-related research was published in PLOS Biology. A team of researchers lead by Dr. Nathan Hawkshaw of the University of Manchester have identified the drug ‘WAY-316606’ as a potential candidate for hair regrowth. WAY-316606 is an existing drug used to treat osteoporosis. It’s not clear at this time whether WAY-316606 is approved and on the market, or if it was partially developed to treat the bone disease.
Always shampoo and condition your hair regularly. Let your hair breath by avoiding wigs that are made with cotton and nylon caps that absorb moisture and lead to drier and more damaged hair. Instead, choose those with netted caps. Make sure your wig isn't too tight. Secure it with hypoallergenic double-sided tapes. Do not put your wig on over wet hair to avoid the growth of mildew and bacteria.
The pull test may be used to diagnose hair loss conditions.1 The examiner grasps approximately 40 to 60 hairs at their base using the thumb, index, and middle fingers and applies gentle traction away from the scalp. A positive result is when more than 10% of hairs (four to six) are pulled from the scalp; this implies active hair shedding and suggests a diagnosis of telogen effluvium, anagen effluvium, or alopecia areata. However, a negative test result does not necessarily exclude those conditions. The pull test is difficult to standardize because the pulling force is not distributed uniformly and because it is difficult to approximate the number of hairs grasped, thereby leading to false interpretations.
Follicle Thought is pleased to announce a new sponsor of this website, Hair Restoration Laboratories, LLC. The company produces quality anti-DHT shampoo and conditioner products. I have reviewed the ingredients of the shampoo and conditioner and find them to be very thoughtful and well researched. Also important to scalp health, the products contain no sulfates, no parabens, no silicones and no artificial ingredients. 
I am a 45 yr female that has experienced hair loss to the point of having to hire a plumber twice (over 3 years) to unclog our drain in our main bathroom although I am pretty cautious about picking up my hair. My ponytail is about 1/2 the size that it was 5 years ago. i had excessive hair loss after the birth of my last 2 of 3 children. It is noticeably thinner although my employees, friends and husband seem to think my hair is thick. I can see my scalp very easily. (No patchy alopecia though) I started using viviascal professional strength about 2 months ago and hair surge shampoo only about 2 weeks ago. The bottle has about 1/3 left and i am wondering what is to be expected from this product. I have to use at least 8 pumps ( it seems to be double the volume of normal shampoo that i use) and it does not seem to later that well until after a min or so. Additonally i am using the hair surge supplement. When should i see less hair falling out? When should i expect visible results. Any other suggestions? I know it says to use 5 of 7 days, but i use it daily to make sure i am getting the full benefit ( if any) from this product. Currently i am looking at 100 buck a month for the shampoo alone if i keep this up. Any advice is welcome. Thanks
In this section we take a look at current hair loss cures in 2018. Using one or more of the treatments below is your best shot at keeping your hair around. However, if a cure is defined as a permanent fix to an ailment, these are far from that definition. Each of these treatments have their own limitations. Most are seen more as hair loss management treatments, rather than permanent hair loss cures.
I must have had about 5 readers email me today about the fascinating research coming out of Yokohama National University in Japan. Professor Junji Fukuda lead the efforts to successfully prepare “hair follicle germs” at large scale simultaneously. Essentially, the researchers prepared a cellular formulation with the right culturing materials to promote successful growth and development of tiny “hair follicle starter kits.” Source article here. 
"We developed a protocol to drive human pluripotent stem cells to differentiate into dermal papilla cells and confirmed their ability to induce hair growth when transplanted into mice," said Prof. Terskikh. The next step in their research is "to transplant human dermal papilla cells derived from human pluripotent stem cells back into human subjects."

Finally, if these tests come back normal, your dermatologist may suggest a scalp biopsy of a couple of two-millimeter sections taken from your scalp under local anesthesia ($400 and up). It can determine whether genetic hair loss, telogen effluvium (a condition in which hair falls out from stress or rapid weight gain), or a disease (such as lupus) is the cause of your shedding, and your dermatologist can treat you accordingly.

In most cases though, it's all a matter of attitude. Being bald should not be a cause of stigma. It does not make you less of a person or less masculine, less virile, and less attractive and appealing. In fact, a clean shaven head is becoming a popular trend among men these days, and there are certainly many bald men who have managed to make themselves look clean, elegant and suave despite their hair loss. Learn to come to terms with it. It's hair loss, yes, but not brain damage. It does not affect your core.

There have also been studies on the effects of 1% pyrithione zinc shampoo and a 5% minoxidil solution. In one study, 200 men between the ages of 18 to 49 who experienced baldness between type III and type IV on the Norwood scale were given this treatment for a six-month period. They found that minoxidil, when used on its own, was approximately twice as powerful as pyrithione zinc at stimulating hair growth, but that both products were successful at increasing the amount of visible hair when used over a 26-week period.
There have also been studies on the effects of 1% pyrithione zinc shampoo and a 5% minoxidil solution. In one study, 200 men between the ages of 18 to 49 who experienced baldness between type III and type IV on the Norwood scale were given this treatment for a six-month period. They found that minoxidil, when used on its own, was approximately twice as powerful as pyrithione zinc at stimulating hair growth, but that both products were successful at increasing the amount of visible hair when used over a 26-week period.
When you're investing considerable time and money on a mix of hair treatments and cures, the last things you should be doing are those that will only aggravate your condition. Likewise, when your hair has finally grown back, the last thing you would want is for you to go through another horrific episode of hair loss. Preventing further - or another case of hair loss, and stopping it before it actually happens should be your goal.
Disruptions in the normal length of each phase, which can cause hair loss and hair thinning, may be the result of a number of internal and external stimuli. These are also what we call the triggers and causes of your hair loss. As a quick example, dieting can leave the body stressed and in need of important nutrients. Because of this stress, hair growth may be cut shorter than usual and there is an early onset of telogen or shedding of hair.
Women’s magazine ‘New Beauty’ recently featured several prospective hair growth therapies in a print article. The feature contains several interesting and worthwhile anecdotes. Check the Articles main page to read about Dr. Cotsarelis’ new research on setipiprant for female alopecia, Histogen’s view on the number of injection sessions which may be necessary to get the most out of HSC, and more.
The average person loses 50 to 100 hairs per day naturally due to this cycle. But if the process is interrupted at any stage—for example, if the follicle doesn’t come back out of resting mode or starts to shrink—hair loss and hair thinning can result. Interruptions to the cycle can be caused by hormones, stress, poor diet, chemical hair treatments, certain medications, and, of course, good ol' genetics.
Consider other factors besides color. Color is important - your wig or hair piece should match your natural hair to look natural. However, consider also texture. You wig should feel like real hair; it should have a smooth and silky feel. For those that need full coverage, choose a wig that bounces to give the illusion of volume. A wig that has a lacing that fits your natural hair also helps in making sure that you have a more natural looking hairline.
Finally, if these tests come back normal, your dermatologist may suggest a scalp biopsy of a couple of two-millimeter sections taken from your scalp under local anesthesia ($400 and up). It can determine whether genetic hair loss, telogen effluvium (a condition in which hair falls out from stress or rapid weight gain), or a disease (such as lupus) is the cause of your shedding, and your dermatologist can treat you accordingly.
“Everyone wants to try it,” Altman told me. “We get inundated with e-mails saying, ‘Tell me what the price is, I really don’t care, I’ll buy it.’ ” Weinstein looked at me. “You have your hair,” he said. “I don’t know why you’re interested in this,” Altman chimed in, with wildly unrealistic but much appreciated enthusiasm for my reporting. “ ’Cause eighty million people don’t! There’ll be eighty million people reading this article!”
RepliCel’s technology has proven to grow new hair without transplants, creams or pills because it’s using a patient’s own stem cells to regenerate hair. Buckler said the basis for the company’s science comes from research conducted in the early 2000s in Europe by noted hair biology and dermatology experts Dr. Kevin McElwee, PhD, and Dr. Rolf Hoffmann, MD, who originally discovered the critical cell responsible for hair follicle growth. It is now being tested in human Phase II trials that began in July 2016 in Japan. Two other products of the company are for conditions where there are too few healthy fibroblasts, such as chronic tendinosis and damaged skin.
Because there are a lot of products in the crowded marketplace that claim they can regrow your hair, it’s a necessity for the legitimate ones to have disclaimers on their websites. Essentially, these disclaimers state that the products haven’t been evaluated by the FDA and so can’t be guaranteed to provide the benefits they claim to provide—at least not from the standpoint of the regulators. 
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