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The 14-year-old from suburban Indianapolis can sound out words, but her dyslexia makes the process so draining that she often struggles with comprehension. “I just assumed I was stupid,” she recalled of her early grade school years. But assistive technology powered by artificial intelligence has helped her keep up with classmates. Last year, Makenzie was named to the National Junior Honor Society. She credits a customized AI-powered chatbot, a word prediction program and other tools that can read for her. “I would have just probably given up if I didn’t have them,” she said. Artificial intelligence holds the promise of helping countless other students with a range of visual, speech, language and hearing impairments to execute tasks that come easily to others. Schools everywhere have been wrestling with how and where to incorporate AI , but many are fast-tracking applications for students with disabilities. Getting the latest technology into the hands of students with disabilities is a priority for the U.S. Education Department, which has told schools they must consider whether students need tools like text-to-speech and alternative communication devices. New rules from the Department of Justice also will require schools and other government entities to make apps and online content accessible to those with disabilities. There is concern about how to ensure students using it — including those with disabilities — are still learning. Students can use artificial intelligence to summarize jumbled thoughts into an outline, summarize complicated passages, or even translate Shakespeare into common English. And computer-generated voices that can read passages for visually impaired and dyslexic students are becoming less robotic and more natural. “I’m seeing that a lot of students are kind of exploring on their own, almost feeling like they’ve found a cheat code in a video game,” said Alexis Reid, an educational therapist in the Boston area who works with students with learning disabilities. But in her view, it is far from cheating : “We’re meeting students where they are.” Ben Snyder, a 14-year-old freshman from Larchmont, New York, who was recently diagnosed with a learning disability, has been increasingly using AI to help with homework. “Sometimes in math, my teachers will explain a problem to me, but it just makes absolutely no sense,” he said. “So if I plug that problem into AI, it’ll give me multiple different ways of explaining how to do that.” He likes a program called Question AI. Earlier in the day, he asked the program to help him write an outline for a book report — a task he completed in 15 minutes that otherwise would have taken him an hour and a half because of his struggles with writing and organization. But he does think using AI to write the whole report crosses a line. “That’s just cheating,” Ben said. Listen now and subscribe: Apple Podcasts | Spotify | RSS Feed | SoundStack | All Of Our Podcasts Schools have been trying to balance the technology’s benefits against the risk that it will do too much. If a special education plan sets reading growth as a goal, the student needs to improve that skill. AI can’t do it for them, said Mary Lawson, general counsel at the Council of the Great City Schools. But the technology can help level the playing field for students with disabilities, said Paul Sanft, director of a Minnesota-based center where families can try out different assistive technology tools and borrow devices. “There are definitely going to be people who use some of these tools in nefarious ways. That’s always going to happen,” Sanft said. “But I don’t think that’s the biggest concern with people with disabilities, who are just trying to do something that they couldn’t do before.” Another risk is that AI will track students into less rigorous courses of study. And, because it is so good at identifying patterns , AI might be able to figure out a student has a disability. Having that disclosed by AI and not the student or their family could create ethical dilemmas, said Luis Pérez, the disability and digital inclusion lead at the Center for Accessible Technology. Schools are using the technology to help students who struggle academically, even if they do not qualify for special education services. In Iowa, a new law requires students deemed not proficient — about a quarter of them — to get an individualized reading plan. As part of that effort, the state’s education department spent $3 million on an AI-driven personalized tutoring program. When students struggle, a digital avatar intervenes. More AI tools are coming soon. The U.S. National Science Foundation is funding AI research and development. One firm is developing tools to help children with speech and language difficulties. Called the National AI Institute for Exceptional Education, it is headquartered at the University of Buffalo, which did pioneering work on handwriting recognition that helped the U.S. Postal Service save hundreds of millions of dollars by automating processing. “We are able to solve the postal application with very high accuracy. When it comes to children’s handwriting, we fail very badly,” said Venu Govindaraju, the director of the institute. He sees it as an area that needs more work, along with speech-to-text technology, which isn’t as good at understanding children’s voices, particularly if there is a speech impediment. Sorting through the sheer number of programs developed by education technology companies can be a time-consuming challenge for schools. Richard Culatta, CEO of the International Society for Technology in Education, said the nonprofit launched an effort this fall to make it easier for districts to vet what they are buying and ensure it is accessible. Makenzie wishes some of the tools were easier to use. Sometimes a feature will inexplicably be turned off, and she will be without it for a week while the tech team investigates. The challenges can be so cumbersome that some students resist the technology entirely. But Makenzie’s mother, Nadine Gilkison, who works as a technology integration supervisor at Franklin Township Community School Corporation in Indiana, said she sees more promise than downside. In September, her district rolled out chatbots to help special education students in high school. She said teachers, who sometimes struggled to provide students the help they needed, became emotional when they heard about the program. Until now, students were reliant on someone to help them, unable to move ahead on their own. “Now we don’t need to wait anymore,” she said. The Associated Press’ education coverage receives financial support from multiple private foundations. AP is solely responsible for all content. Find AP’s standards for working with philanthropies, a list of supporters and funded coverage areas at AP.org .nice88 casino download 。

AP News Summary at 1:39 p.m. ESTGavin and Stacey's viewing figures revealed and numbers are truly astonishing

Philadelphia Eagles star Saquon Barkley became the ninth player in NFL history to rush for 2,000 yards in a season on Sunday. Barkley entered the game against the visiting Dallas Cowboys needing 162 yards to join the exclusive club. He reached the milestone with a 23-yard run with about 11 minutes remaining in the fourth quarter and Philadelphia leading 34-7. That gave him 167 for the day on 31 carries and 2,005 for the season. With one game remaining, Barkley has a chance to break Eric Dickerson's NFL single-season record of 2,105 yards, set during a 16-game season in 1984. In addition to Dickerson, the others to rush for 2,000 yards are Adrian Peterson, Jamal Lewis, Barry Sanders, Derrick Henry, Terrell Davis, Chris Johnson and O.J. Simpson. With the Eagles locked into the No. 2 seed in the NFC, it's unclear whether Barkley will play in next weekend's regular-season finale against his former team, the New York Giants. Barkley also broke LeSean McCoy's 2013 franchise record of 2,146 all-purpose yards. --Field Level MediaStock market today: Wall Street holds near breakeven ahead of Christmas

The City of Hanford has partnered with CivicPlus, a leading government technology company, to release a new tool to empower residents to report quality-of-life issues and request government services. The application, called My Hanford, is available for free for all residents to download on any iOS or Android device. Residents can access the system from a desktop computer via the City’s website. The My Hanford app allows City residents to submit repair or service requests directly to City staff members using photos, location information, and request details. In addition, the platform provides staff with a centralized system to manage issues from creation to resolution — engaging residents throughout the process. The software enables duplicate detection so that if a resident begins to submit a request already in the system, it will notify them and enable them to follow the existing request. It is not monitored 24/7 and should not be used for urgent or emergency situations. “My Hanford is another important City initiative designed to better serve our growing population and help meet several Council-adopted goals, including a multi-faceted public communications system and providing exceptional customer service,” said City Manager Mario Cifuentez. “This will be that tool where we will be able to develop milestones and measurable objectives for the City when we are asked to address a community concern.” The technology allows community members to not only report problems to their government leaders but also view and follow issues submitted by their neighbors. “We are pleased to partner with the City of Hanford on a technology solution that empowers their residents to initiate and support community improvements and enable staff members to easily and transparently respond to such requests,” CivicPlus officials said.Chiefs head to Pittsburgh on Christmas hoping to lock up the top seed in the AFC

The revelation that the total economic cost of violence against children in Fiji is estimated to be $460million or 4 per cent of Fiji’s GDP is a shocking reminder for us all about our state of affairs! We are talking about violence here, and abuse! We are talking about vulnerable members of society. We are talking about the future of our nation. When you get down to the base of negativity and how that is supposed to impact us as a nation in the future, it can get scary. The statistics were revealed in a joint survey by UNICEF and the Ministry of Women, Children and Social Protection survey. The study – Economic Costs of Violence Against Children in Fiji – revealed that 81 per cent of children between one and 14 years experience some form of violent discipline, 65 per cent experience psychological aggression while 68 per cent experience some form of physical punishment in their lifetime. In saying that, we also reflect on the sensitive issue of child discipline. That comes with its fair share of expectations, and opinions. There are different views about child discipline out there, and they are connected to laws and expectations now ingrained in society. Anyway, this latest report, endorsed by Minister Lynda Tabuya, explains how children in Fiji experience abuse, neglect, exploitation and violence on a daily basis. This not only affects their physical and mental health, the study suggested, but also leads to challenges in education, social services and their overall quality of life. It notes the long-term impacts are well documented. Children who suffer abuse, it warned, are more likely to become violent adults, perpetuating a cycle that negatively impacts the economic wellbeing of families for generations. Through this study, we learn about the total economic cost of violence against children in Fiji. When you break that down, the costs include $19.33m in direct medical costs, $14.96m in direct non-medical costs, $140.41m in indirect tangible costs and $285.12m in indirect intangible costs. The study also picks on interventions. It suggests that while significant, this large economic burden could be averted through targeted investments in interventions that prevent and respond to violence against children. In Parliament last week, Ms Tabuya said the report provided a basis for their 2022 to 2027 Action Plan. What we have here is a wake-up call because it represents the impact of violence, as we point out, on our vulnerable members of society! We have to confront this challenge head on. Ignoring this could affect the very fabric of society. So we can either keep quiet about it, or work together to break the cycle of violence, for our future wellbeing. So let’s take meaningful steps to create a supportive environment for our children. And while we are at it, let’s try to also navigate the sensitive topic of child discipline. We have been talking about this for some time, and we have writers to the Letters to the Editor column expressing their views. We accept that the issue brims with expectations and opinions. Let’s face it, societal norms, cultural perspectives, and legal frameworks can shape our understanding of discipline and violence. We realise there are complexities, but we have to start somewhere! And while we are at it, let’s talk about how we can navigate our way through the complex situations we are facing now!

Ex-Eagles player pleads guilty to federal fraud charges related to pandemic aid programs

Tether, a prominent issuer of stablecoins, has initiated its first venture capital fund investment by committing $2 million to Arcanum Capital’s Emerging Technologies Fund II. This fund specializes in tokenized investments focused on decentralized Web3 projects. James McDowall, managing partner at Arcanum Capital, emphasized that their investment targets blockchain technologies that significantly improve remittances, cross-border payments, privacy, and banking access for the unbanked. Tether’s involvement represents a strategic move towards diversification, as voiced by its CEO Paolo Ardoino. Ardoino articulated that Tether is committed to fostering technologies that resist censorship and support open communication. He highlighted the increasing importance of balancing financial system integrity with individual freedoms under tightening regulations and geopolitical tensions. The investment aligns with Tether’s broader strategy to diversify its portfolio. In 2024, Tether embarked on several initiatives, including proposing a boron-backed token to Turkey, facilitating an energy financing deal involving a $45 million oil transaction, and introducing the Hadron tokenization platform to enable the tokenization of real-world assets like government securities and stocks. Tether’s recent $775 million investment in the Rumble video platform further underscores its focus on supporting free speech. These moves reflect Tether’s ongoing dedication to expanding beyond its core stablecoin offerings, aiming to leverage innovative financial solutions that address global economic challenges.Ryan Reynolds breaks silence with message of gratitude alongside his daughter amid Blake Lively's lawsuit

NEW YORK (AP) — Wall Street got back to climbing after the latest update on inflation appeared to clear the way for more help for the economy from the Federal Reserve. The S&P 500 gained 0.8% Wednesday to break a two-day losing streak and finished just short of its all-time high. Big Tech stocks led the way, which drove the Nasdaq composite up 1.8% to top the 20,000 level for the first time. The Dow Jones Industrial Average lagged with a dip of 0.2%. Stocks got a boost as expectations built that the Fed will deliver another cut to interest rates at its meeting next week. THIS IS A BREAKING NEWS UPDATE. AP’s earlier story follows below. NEW YORK (AP) — U.S. stock indexes are rising Wednesday after the latest update on inflation appeared to clear the way for more help for the economy from the Federal Reserve . The S&P 500 gained 0.9% and is on track to break its first two-day losing streak in nearly a month. The Dow Jones Industrial Average fell 7 points, or less than 0.1%, as of 2:45 p.m. Eastern time, and the Nasdaq composite climbed 1.8% and was heading for a record. Treasury yields edged higher in the bond market as expectations built that Wednesday’s inflation data will allow the Fed to deliver another cut to interest rates at its meeting next week. Traders are betting on a 95% probability of that, according to data from CME Group, up from 89% a day before. If they’re correct, it would be a third straight cut by the Fed after it began lowering rates in September from a two-decade high. It’s hoping to support a slowing job market after getting inflation nearly all the way down to its 2% target. Lower rates would give a boost to the economy, but they could also provide more fuel for inflation. Wednesday’s report said U.S. consumers paid prices in November that were 2.7% higher than a year earlier. That’s a slight acceleration from October’s inflation rate of 2.6%, but it was exactly what economists were expecting. Another report on inflation at the wholesale level will arrive on Thursday. “The data have given the Fed the ‘all clear’ for next week, and today’s inflation data keep a January cut in active discussion,” according to Ellen Zentner, chief economic strategist for Morgan Stanley Wealth Management. Expectations for a series of cuts to rates by the Fed have been one of the main reasons the S&P 500 has set an all-time high 57 times this year , with the latest coming last week. On Wall Street, Stitch Fix jumped 47.8% after the company that sends clothes to your door reported a smaller loss for the latest quarter than analysts expected. It also gave financial forecasts for the current quarter that were better than expected, including for revenue. Albertsons edged down by 0.6% after filing a lawsuit against Kroger, saying it didn’t do enough for their proposed $24.6 billion merger agreement to win regulatory clearance. Albertsons said it’s seeking billions of dollars in damages from Kroger, whose stock rose 0.6%. A day earlier, judges in separate cases in Oregon and Washington nixed the supermarket giants’ merger. The grocers contended a combination could have helped them compete with big retailers like Walmart, Costco and Amazon, but critics said it would hurt competition. After terminating the merger agreement Albertsons said it plans to boost its dividend 25% and increased the size of its program to buy back its own stock. Mondelez, the company behind Oreo and other food brands, climbed 2.2% after announcing a plan to send cash to shareholders by buying back up to $9 billion of its own stock. The program replaces a prior $6 billion plan, which had about $2.8 billion of capacity remaining and would have otherwise expired at the end of next year. On the losing end of Wall Street, Macy’s fell 2.3% after cutting some of its financial forecasts for the full year of 2024, including for how much profit it expects to make off each $1 of revenue. Dave & Buster’s Entertainment sank 18.7% after reporting a worse loss for the latest quarter than expected. It also said CEO Chris Morris has resigned, and the board has been working with an executive-search firm for the last few months to find its next permanent leader. In the bond market, the yield on the 10-year Treasury rose to 4.27% from 4.23% late Tuesday. The two-year Treasury yield, which more closely tracks expectations for the Fed, rose to 4.16% from 4.14%. In stock markets abroad, indexes rose across much of Europe and Asia. Hong Kong’s Hang Seng was an outlier and slipped 0.8% as Chinese leaders convened an annual planning meeting in Beijing that is expected to set economic policies and growth targets for the coming year. South Korea’s Kospi rose 1%, up for a second straight day as it climbs back following last week’s political turmoil where its president briefly declared martial law. AP Writers Matt Ott and Zimo Zhong contributed.

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By Russell Clark of Capital Flows and Asset Markets substack I turned 50 early this year - but like most men still think I am young. It only really hits home that I have aged when I catch up with a group of friends the same age. Sometimes its the grey hair, sometimes its the bald spots, or sometimes its the universal doom and gloom about markets, and I think “Wow - I am really hanging out with a bunch of old guys!” Having a doom and gloom view about markets really does show your age. Talking about the year 2000, 2001, 2002 or 2008, which were bad bear markets just dates you these days. In the big scheme of things, they were just buying opportunities. Having started in markets in that period, and having seen the long depressing Japanese bear market - I was always more “old man” in my thinking - but being stuck in your ways when the world changes is the ultimate old man trade- like insisting and old Nokia phone is better than iPhone. To be fair to myself and other old men - around 2007 I though China and emerging markets was dead money (and foolishly assumed this would hold back the US). HSCEI is not even at half the level it reach in 2007. My first investing model was the MMM model - macro, micro and market, and it was pretty good at calling the top in China and emerging markets. Macro was current account deficits, exchange rate and money supply among other things, micro was how key industries were acting and investing their own capital. Market was basically investing when market action confirmed micro and macro. The good thing about this model was that it could be used for long and short investing . The macro part of my MMM model turned negative on the US back in 2016 - some 200% and 8 years ago. It also turned negative on the US dollar - so you cannot dress it up - its a failed model. I tied to save this model by adding a political element to it - which I called motivation so I could call it the MMMM model. This birthed the pro-labour trade - and GLD/TLT as well. While GLD/TLT has been good - it also made predictions about asset markets being stagnant, or at least US dollar weakness. This has been wrong. As I have been contemplating these failed models, I have also been ruminating on ideas of empire, the rise of a digital world, and tech for awhile - and have started to think we can fold “old school macro” in to tech and industry analysis, which would create a model that explains the modern world. What I have been thinking about is the vast technological change we are undergoing at the moment, and what precedents we have to think about . 100 years ago the US birthed the auto industry as we know it. This fundamentally changed society - but also changed the US place in the world. US industry quickly dominated the auto industry - and the US became the dominant nation. Post World War 2 - US dominance of the the most important industry in the world - the auto industry- was coming under threat. FDR led unionisation of the auto industry led to US firms becoming uncompetitive and suffering at the hands of German and Japanese auto firms. This led to a US trade deficit and falling gold reserves. The US left the gold standard - and modern day macro investing was born . With the gold standard, making predictions on currency or interest rates were largely unnecessary - fiat currency created the conditions for macro investing. The auto industry is generally estimated to be 10 percent of GDP for most nations, running from manufacturing, repair, sales and financing, but you could also include things like road maintenance and repair. From 1960 onwards, not only was the US importing cars, but the crude oil to run them. Japan, Germany, Saudi, Canada and Mexico all grew wealthy (some more than others) on the back of supplying US auto industry one way or another. However over the last ten years changes in technology has changed all of this. First of all, the shale revolution has made the US is energy self sufficient - which destroys the connection between US growth and energy suppliers. That is a booming US does not necessarily make Canada or Saudi wealthier . Secondly, with the world moving to electric vehicles - the US has the leading company in Tesla. For decades, Toyota was worth more than Ford, the leading US car company. But since 2020, Tesla has been far more valuable than Toyota. The traditional conduits via which US growth is spread to the rest of the world have been or are in the process of being cut. Industry analysis has eaten macro analysis, or at the very least changed it completely. Another feature of Western dominance and now mainly US dominance is a political system that allows the masters of new technology to assume political control. The ability to absorb the masters of new technology into the political system is underrated feature of the West- mainly because the existing old order bitterly resent it. A typical old man gripe would be about the new wave of populist leaders. But one thing common about populist leaders is that they are much more effective on social media. What is interesting about Trump Mark 2.0, is that social media, and new tech leaders have lined up with him, far more than in his first term. Politically, it is hard to see how bringing in the new leading industries into the political world is a bad thing for the US. You can compare and contrast with Volkswagen that is facing a existential crisis, and has to deal with state government owners wishing to keep old engine factories open. One of the best university courses I did was called “Asian Giants” and compared and contrasted how India, China and Japan dealt with the Western Powers and their Asian colonialism. India just accepted them as another ruling class - and eventually saw deindustrialisation as British rulers saw no need in encouraging competition. China rejected all Western influence - and saw its nation carved up by Western powers, while Japan embarked on a process of modernization - which saw traditional leadership move from the samurai class to the merchant class. Within 20 years Japan had kicked out the foreigners and began to build its own empire. Japan also had to go through a violent political reconfiguration - the Meiji Restoration - but ultimately a strong Japan was achieved. One of the things that “old men” often fixate on is the dominance of the US in equity markets. Many, many macro careers have been destroyed by trying to catch a mean reversion trade, that is betting on emerging market or Europe rather than the US. But this chart is driven by two big technological trades. First modern cloud computing means that the need to use local companies for anything is unnecessary and pointless. Economies of scale drive everything to the US (he says as he uses San Francisco based Substack and Stripe - while writing a note on macro investing while in Spain). This is different to say the mobile phone boom in 1999, where Vodafone was the largest stock in the UK. The second feature is that the US and China have stolen a march on Japan and Europe in electric vehicles. This reliance on lagging technology is probably why the Euro and Yen has been such poor currencies, and why the US dollar has been strong. Chinese Yuan has been also better than Euro or Yen. This probably explains why currency has also been the other killing field for macro investors. Short dollar trades have been very poor . Putting it all together, from a tech perspective China is the only threat to the US . Japan and Europe have missed the boat on cloud and social media tech, and are badly compromised on EV, while China is competitive in both these areas. On drone technology, which modern warfare seems to be based, China is probably ahead of the US. For me, we are now at an interesting political, tech and macro crossroads. Chinese and US politics has diverged radically on tech. In the US, we have Elon Musk as best buddy to Trump, and big tech is close to big power. In China, they have chosen to regulate tech move heavily, and encourage far more competition . This has led to the Chinese Yuan outperforming Euro and Yen, but not translated into better equity performance. Macro trading, as far as this old man now understands it, was the result of US technology propagating across the world, and in some cases, like Germany and Japan, taking this technology and improving it . This led to shifts in currencies, interest rates and growth rates. But new technology has led to a shift back to the US. In areas like cloud computing or social media, its hard to see that shifting back to Europe or Japan without government intervention. In EV, we can see that China has probably already stolen a march on Europe and Japan, and is already squeezing Tesla in China. China already has used government intervention to keep cloud computing and social media in domestic hands. Using tech changes to think about macro changes means I think we only see big changes in markets when Europe and Japan get serious about industrial policy. For that, they need strongman politicians, and not the lawyer/banker politicians we have now. That transition is beginning in my view (Germany, France and Japan all going through political transitions). As my university course taught me, the country that can break down the old industries to allow new industries to thrive will be the ones to buy. Macro is a now a tech and political question - something old macro investors are not good at. There is no country for old macro.

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