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A reder writes: Over the past few years, my responsibilities have grown well beyond my original job description. I now manage procurement end-to-end, track budgets, support multiple project managers, and draft reports. This expansion has happened informally — no title change, no pay adjustment, and no formal acknowledgement of the shift in scope. What’s making it harder is that after four years in the role, my team lead has openly said they don’t really understand procurement. As a result, I often feel like I’m operating without informed oversight or support, yet I’m still accountable when something is questioned. Recently, I attended what I thought was a general catch-up about a system transition. Instead, it became what felt like a performance-style discussion led by someone who isn’t my supervisor. I wasn’t given notice of the concerns beforehand. At one point, I was asked, “What do I tell the director — do I throw you under the bus?” which felt intimidating. I tried to explain workload pressures and the inherited manual systems I’m managing, but I felt talked over and dismissed. There have also been repeated instances over time where colleagues have made belittling comments about my hours, leave, or workload. I’ve been publicly called names like “idiot” and “dickhead.” When I’ve been on leave or flex days, I’ve still been contacted and pressured about tasks. I also experienced a serious medical event last year. While I was hospitalized, there were inquiries about when I’d return to work and whether my family could be contacted. Although some of it may have been framed as concern, it felt intrusive. Since returning, I’ve had comments suggesting some of my stroke-related difficulties were “just an excuse,” which has been distressing. I’ve tried to resolve things informally. My manager acknowledged that one recent meeting didn’t go well and apologized, which I appreciated. HR has explained that bullying must involve repeated and unreasonable behavior. I’m not sure where the line is anymore. Part of me wonders if this is just poor communication and a high-pressure environment. Another part feels increasingly resentful, overextended, and psychologically unsafe. I don’t want to be seen as compiling a case against colleagues, but I also don’t want to keep absorbing behavior that feels disrespectful. How do I tell the difference between normal workplace conflict and bullying? How do I address scope creep and role ambiguity when my manager doesn’t fully understand the function I’m performing? And at what point do you decide a workplace isn’t likely to change? This workplace sucks and you should get out. It doesn’t matter whether it meets a specific definition of bullying or not. People there are horrible to you! They call you names (!), belittle you, don’t respect your time off, and implied your stroke was “an excuse” (!!). None of that is okay. Some of this on its own might be frustrating but not outrageous, like your team lead’s lack of understanding of what you do. Hell, maybe that meeting where someone asked what to tell the director about your work was legitimate; I don’t have enough context to say. But there are enough other things here that are wildly unacceptable — see the paragraph above — that they overshadow that stuff anyway. On top of that, your job has expanded dramatically and your pay hasn’t budged in four years. When you ask, “How do I tell the difference between normal workplace conflict and bullying?” I think you’re asking, “How do I know if this is worth leaving over or not?” And the answer is: it’s worth leaving over. These people are jerks. And it isn’t one person. Multiple different employees have been awful to you. HR isn’t willing to intervene (and for some reason is stuck on “bullying,” when the label doesn’t matter as much as the specifics of what has been happening). On top of all of it, you’re being underpaid. You should get out. The post is my job bad enough that I should quit? appeared first on Ask a Manager. View the full article

Want more housing market stories from Lance Lambert’s ResiClub in your inbox? Subscribe to the ResiClub newsletter. After taking a big macro hit during the 2022 rate-shock, United Wholesale Mortgage’s (UWM) refinance volume has found its footing—and keeps climbing: 2020: $140B 2021: $139B 2022: $36B 2023: $14B (cycle low) 2024: $43B 2025: $70B That’s a +387% increase in UWM’s refi volume since its 2023 cycle low. Even without a full refi boom, refinance volume is slowly coming back, with the average 30-year fixed mortgage rate as tracked by Freddie Mac down to 5.98% last week—or 1.81 bps below its cycle high of 7.79% in October 2023. Many recent borrowers who took on higher mortgage rates (2023–2024 vintages) are jumping at the opportunity to refinance and secure some payment relief. At the same time, UWM’s purchase volume has remained relatively steady in the $90B–$96B range over the past few years. The lack of a sharp decline in purchase volume following the rate-shock is impressive when you consider the macro picture: While U.S. existing home sales fell sharply in 2022, UWM’s purchase volume held steady as the wholesale channel gained share during the downturn. Many smaller lenders pulled back or exited, and brokers consolidated volume toward large, price-competitive players. UWM kept pushing forward. That purchase stability gives UWM a great base to operate from as refis improve. While UWM’s refinance rebound is happening faster than most mortgage firms (and as a result, it’s taking refinance market share), refinance activity overall is slowly bouncing off the rate-shock lows. The Mortgage Refinance Index reading for the fourth week of February, by year: February 2018 —> 1,169 February 2019 —> 1,134 February 2020 —> 3,594 February 2021 —> 3,850 February 2022 —> 1,686 February 2023 —> 400 February 2024 —> 396 February 2025 —> 784 February 2026 —> 1,638 Zoomed out, mortgage refinance applications started 2026 still in “historically soft” territory (bottom 25th percentile). However, over the past week, they crossed the threshold into the bottom of “historically normal” refinance levels (25th–75th percentile). ResiClub prefers to call this upswing a “refi boomlet” rather than a “refi boom.” We use the term boomlet because there’s a ceiling on how big this refinance pop can get—and how long it can last—without a more substantial drop in mortgage rates. After all, according to the latest FHFA data, 68.6% of U.S. mortgage borrowers still hold an interest rate below 5.0%. That said, the more time U.S. homeowners have to adjust to today’s mortgage rates, the more some may be enticed to refinance or tap their equity through a HELOC or home equity loan. View the full article

Israel orders area of hundreds of thousands of people cleared as war rages with militant group HizbollahView the full article

New SMEC study analyzes AI Max in Google Ads Search campaigns, showing a 13% conversion value lift but higher CPA and unpredictable ROAS results. The post What SMEC’s Data Reveals About AI Max Performance appeared first on Search Engine Journal. View the full article

Understanding a company’s history, leadership, and future matters as much as financial statements. Accounting ARC With Donny Shimamoto Center for Accounting Transformation Go PRO for members-only access to more Center for Accounting Transformation. View the full article

Understanding a company’s history, leadership, and future matters as much as financial statements. Accounting ARC With Donny Shimamoto Center for Accounting Transformation Go PRO for members-only access to more Center for Accounting Transformation. View the full article

If you’re looking to streamline your social media efforts, grasping Facebook scheduling tools is crucial. These tools allow you to plan, publish, and analyze your posts efficiently, saving you time and enhancing audience engagement. With options like Sprout Social and Hootsuite offering robust features, you can manage multiple accounts effectively. Curious about which tools stand out and how they can transform your strategy? Let’s explore the top seven options available today. Key Takeaways Sprout Social offers robust management features ideal for extensive social media strategies, starting at $99/month. Buffer is user-friendly and supports multiple platforms, making it a popular choice for simplifying account management. Pallyy provides a visual planning tool with a drag-and-drop interface, with a free option available for users. Sendible is scalable for agencies and includes collaboration tools, starting at $29/month with a 14-day free trial. SocialBee specializes in automation and content recycling, enhancing long-term engagement at an affordable starting price of $29/month. What Are Facebook Scheduling Tools? When you want to maintain a consistent online presence on Facebook, using scheduling tools can greatly simplify the process. Facebook scheduling tools are software solutions that let you create, plan, and automate your posts, ensuring your brand stays active and engaging. They typically feature centralized dashboards, allowing you to manage multiple social media accounts efficiently. With options like bulk-uploading content and cross-posting, you can save time and improve your marketing efforts. You might wonder, can you schedule Facebook posts? Yes, and tools like Meta Scheduler and others help you analyze the best times to post based on audience engagement. Why Use Facebook Scheduling Tools? Using Facebook scheduling tools simplifies the posting process, allowing you to plan multiple posts ahead of time and save precious hours in your day. By keeping a consistent posting schedule, you can boost audience engagement and expand your reach, which is essential for growing your online presence. Furthermore, these tools help you identify the best times to publish based on when your audience is most active, ensuring your content gets the visibility it deserves. Streamlined Posting Processes Streamlining the posting process is vital for social media marketing efficiency, and Facebook scheduling tools offer a reliable solution. You can learn how to schedule Facebook posts quickly, allowing you to manage multiple posts at once. With features like bulk-uploading and cross-posting, these tools appreciably reduce the time you spend on manual posting. By utilizing audience engagement analytics, you can optimize posting times and guarantee your content reaches users when they’re most active. Consistent schedules lead to increased reach and impressions on Facebook, enhancing your overall strategy. Many tools, such as the Meta post scheduler, likewise provide in-depth analytics to help you monitor post performance and refine your approach for better engagement over time. Enhanced Audience Engagement Effective audience engagement hinges on the timing and consistency of your social media posts, which is where Facebook scheduling tools come into play. These tools let you publish posts when your target audience is most active, boosting the chances of interaction. By maintaining a consistent posting schedule, you can achieve higher reach and impressions, enhancing your brand’s visibility. Plus, the analytics offered by these tools help you identify audience behavior trends, allowing you to tailor your content effectively. If you’re wondering how to make a post on Facebook, these scheduling tools streamline that process. Moreover, they support recycling evergreen content, ensuring high-performing posts keep engaging audiences now and in the future. This leads to long-term retention and brand loyalty. Top 7 Facebook Scheduling Tools When you’re looking to improve your Facebook marketing strategy, selecting the right scheduling tool can make a significant difference. Sprout Social offers robust scheduling, analytics, and a Smart Inbox, starting at $99/month, perfect for extensive management. Buffer is user-friendly, supports multiple platforms, and begins at $15/month, making it accessible for beginners. For those who prefer visual planning, Pallyy features a drag-and-drop interface and includes a free plan, with premium options starting at $25/month. Sendible shines in scalability for agencies, offering content queues and collaboration tools starting at $29/month, plus a 14-day free trial. Meanwhile, SocialBee specializes in automation and evergreen content management, it starts at $29/month, catering to diverse scheduling needs. SocialBee SocialBee stands out with its extensive content curation tools that make scheduling posts across various social networks a breeze. Its AI copilot helps you develop effective social media strategies and generate fresh content ideas, improving your efficiency. Plus, with affordable pricing starting at $29 per month and a 14-day free trial, it’s a practical choice for anyone looking to elevate their social media presence. Extensive Content Curation Tools In today’s fast-paced digital environment, effective content curation is essential for maintaining an engaging social media presence. SocialBee offers extensive tools to help you organize posts into categories, ensuring a balanced distribution and a diverse content mix. You can integrate RSS feeds, allowing automatic content sharing from selected sources, which keeps your feed fresh and engaging. Moreover, SocialBee’s AI-powered tools generate suitable captions for your posts, streamlining the content creation process. With robust content recycling features, evergreen content can be automatically reposted at ideal times, maximizing reach and visibility. Finally, SocialBee provides analytics to monitor engagement indicators, enabling you to assess performance and refine your content strategy based on data-driven insights. AI Copilot for Strategy Utilizing the strength of AI can considerably improve your social media strategy, as it provides personalized insights customized to your audience’s preferences. With SocialBee’s AI Copilot, you can streamline your efforts effectively. Here are some key features to leverage: Content Generation: Automatically create customized captions and content ideas, saving you valuable time. Audience Analysis: Analyze engagement trends to suggest ideal content types and posting times. Post Categorization: Organize your posts for a balanced and diverse distribution across platforms. Evergreen Content Management: Automate recycling of high-performing posts at strategic intervals, maximizing their impact. Affordable Pricing Options With regard to enhancing your social media scheduling without straining your budget, SocialBee presents a range of affordable pricing options. Plans start at just $29/month, making it accessible for businesses of all sizes. You can save even more with a 16% discount by opting for annual billing, reducing your overall costs. New users can take advantage of a 14-day free trial, allowing you to explore SocialBee’s features before committing to a paid plan. The platform offers various pricing tiers based on the features you choose, ensuring flexibility for different business needs. Plus, SocialBee’s cost-effectiveness is amplified by its advanced AI tools for content generation and scheduling, providing significant value relative to its price. Sprout Social When managing your social media presence, Sprout Social stands out as a robust tool that streamlines various processes. It offers a thorough suite of features aimed at improving your strategy effectively. Here are four key benefits of using Sprout Social: Post Scheduling: You can schedule up to 350 posts in advance, ensuring timely content delivery aligned with audience engagement. Analytics: Advanced reporting tools help you analyze social media performance, measuring the effectiveness of your content. Unified Inbox: Manage interactions across all connected accounts in one place, simplifying communication. Collaboration Tools: Shared content calendars enable seamless teamwork on campaigns. Starting at $249/month, Sprout Social is an ideal choice for businesses aiming to improve their social media engagement. Hootsuite Hootsuite serves as a versatile social media management tool that allows users to handle multiple platforms, including Facebook, from a single dashboard. With its scheduling capabilities, you can plan and automatically post content at peak times, helping to maximize engagement with your audience. Hootsuite additionally offers advanced analytics and reporting features, enabling you to track performance metrics and gain valuable insights into audience behavior. If you work in a team, the platform’s collaborative workspace facilitates communication and content approval workflows, making it ideal for agencies and larger organizations. Pricing ranges from $19 to $739 per month, depending on features and users, and a 30-day free trial is available for new users to explore its capabilities. Buffer Buffer stands out as a user-friendly social media scheduling tool that simplifies managing multiple accounts through its intuitive interface and drag-and-drop functionality. Here are some key features that make Buffer a solid choice for your social media strategy: Cross-Platform Support: Buffer works with Facebook, Instagram, Twitter, LinkedIn, and Pinterest, allowing you to manage all your accounts in one place. Analytics: It provides detailed performance reports, helping you track engagement metrics and refine your posting strategies. Affordable Pricing: Plans start at $15/month for the Pro option, which lets you schedule up to 8 accounts and 100 posts per account. Free Trial: You can explore Buffer’s features with a 14-day free trial, making it easy to assess its fit for your needs. Frequently Asked Questions What Is the Best Scheduling Tool for Facebook? Choosing the best scheduling tool for Facebook depends on your specific needs. If you seek robust automation and content curation, consider SocialBee. For scalability and ease of use, Sendible shines. If analytics are essential, Sprout Social offers advanced features, though at a higher price. For affordability, Metricool supports various post types. Finally, if collaboration is key, Agorapulse is ideal for agencies managing multiple accounts. Evaluate these options to find the best fit for you. Which Tool Is Commonly Used for Social Media Scheduling? In terms of social media scheduling, Hootsuite is often the go-to tool for many users. It supports multiple platforms and includes features for engagement tracking and performance analysis. Buffer stands out for its user-friendly interface, making it ideal for small businesses. Sprout Social combines scheduling with advanced analytics, whereas SocialBee is known for its content curation capabilities. Finally, Meta Business Suite offers a free and simple option for managing posts on Facebook and Instagram. What Is the Name of the Facebook Tool Used to Schedule Posts? The Facebook tool you’ll use to schedule posts is called Meta Business Suite. This free platform allows you to manage and schedule content for both Facebook and Instagram seamlessly. You can schedule posts in advance, access a content calendar, and analyze performance metrics to improve your strategy. https://www.youtube.com/watch?v=-viW9Lh07BY Meta Business Suite additionally supports bulk uploading and cross-posting, making it an efficient solution for managing multiple pages and engaging with your audience effectively. What Tool Can Help You Schedule Social Media Posts and Manage Your Content Calendar 2 Points Photoshop Hootsuite Slack Google Docs? To schedule social media posts and manage your content calendar effectively, Hootsuite stands out as a robust option. It allows you to schedule posts across multiple platforms from one dashboard, streamlining your workflow. Furthermore, integrating Google Docs can improve collaboration on content creation. Meanwhile, Photoshop helps design eye-catching graphics. Slack can keep your team updated on scheduled posts, ensuring everyone stays informed about your social media activities. Conclusion To summarize, utilizing Facebook scheduling tools can greatly improve your social media strategy. By choosing from top options like Sprout Social, Hootsuite, Buffer, and SocialBee, you can streamline your posting process, engage your audience more effectively, and analyze performance metrics. These tools not just save time but also aid you in maintaining a consistent presence on social media. By integrating the right scheduling tool into your workflow, you’ll likely see enhanced engagement and better overall results for your Facebook campaigns. Image via Google Gemini and ArtSmart This article, "Top 7 Facebook Scheduling Tools to Enhance Your Social Media Strategy" was first published on Small Business Trends View the full article

Apple's MacBook Neo is exactly the laptop many budget-conscious people have been looking for. It's priced under $500 for students ($599 for everyone else), and has decent enough specs to be a great starter laptop for most users. To make it a 'budget laptop,' though, a few corners had to be cut. As a result, the MacBook Neo is lacking a few features that you might have come to expect from a MacBook. Here are the biggest trade-offs Apple is making to hit the Neo's lower price point. No Touch ID in the base modelThe MacBook Neo's base model doesn't have a Touch ID sensor, which means you'll have to type out your passwords every time you need to enter them. Some people might prefer this over using a fingerprint sensor, but I'd rather pay the extra $100 for it. This variant also comes with 512GB of storage, while the base model only has 256GB. It lacks a backlit keyboardTraditionally, Apple's MacBooks have come with backlit keyboards to help you see what you're typing while you're in low light. Unfortunately, the MacBook Neo has cut this feature to help save costs, but it won't make much of a difference in bright environments or to those who don't look at their keyboards while typing. You won't get a True Tone displayApple's True Tone display feature automatically adjusts the color and intensity of the display to match the ambient light wherever you are. This means that your display won't be blindingly bright in low light, and colors will appear more natural across a number of lighting conditions. The MacBook Neo doesn't ship with an ambient light sensor, though, so don't expect True Tone support here. There are no RAM upgrade optionsMy daily driver laptop is still the M1 MacBook Air with 8GB of RAM. I have no complaints about this laptop, but a couple of times, it has slowed to a crawl while running many apps at once. Sometime, I wish I'd spent a bit more to get 16GB of RAM. Unfortunately, there's no such option for the MacBook Neo. 8GB should be adequate for now, so long as you stick to light use, but it could become an issue in the long run. Fast charging is missingUnlike most other MacBooks, the Neo doesn't support fast charging, and ships with a 20W USB-C adapter. However, that should be good enough to charge the 36.5-watt-hour battery, which is smaller than the M5 MacBook Air's 53.8-watt-hour battery. You won't get any Thunderbolt ports The MacBook Neo has two USB-C ports (one USB 3, and one USB 2), but neither of these support Thunderbolt. This won't be a problem for most people, but if you use any Thunderbolt-exclusive accessories such as docks or external displays, they won't work with the MacBook Neo. The Force Touch trackpad has been removedThe MacBook Neo's trackpad doesn't have Force Touch. This means that the trackpad isn't pressure sensitive like those on other MacBooks. It won't support pressure sensitive drawings, multi-touch gestures, or Force clicks. Other missing featuresWhile I've covered the missing features average users are most likely to notice above, there are a few additional cuts that might impact power users especially. Here are the remaining features the MacBook Neo is missing: Center Stage for the front camera Wide Color (P3) display Neural Accelerators Four-speaker sound system (the Neo has two speakers) Three-mic array (the Neo has a two-mic array) The 3.5mm jack doesn't support high-impedance headphones Wi-Fi 7 Dynamic head tracking support with AirPods View the full article

The Kennedys have long been considered America’s royal family, and for generations, they’ve been brought up in the great state of Massachusetts. That includes Robert F. Kennedy Jr., the current Health and Human Services Secretary—but his latest idea to improve the health of Americans could burn the bridge with his home state for good. At a recent rally in Austin, Texas, Kennedy drew a line in the sand against one of Massachusetts’ most beloved brands: Dunkin’ (formerly Dunkin’ Donuts). Kennedy said he planned to press coffee chains including Dunkin’ for proof that their ingredients were safe for consumption, particularly in terms of sugar content. “We’re going to ask Dunkin’ Donuts and Starbucks, ‘Show us the safety data that show that it’s okay for a teenage girl to drink an iced coffee with 115 grams of sugar in it,’” Kennedy said. “I don’t think they’re gonna be able to do it.” Naturally, Bay Staters weren’t having it. Dunkin’ is ubiquitous throughout Massachusetts, boasting the highest concentration of stores in the United States by population: With 1,031 stores in the state, that’s one Dunkin’ for every 6,668 residents. Dunkin’ lovers rallied on social media to stand up for their favorite coffee shop, posting flags edited with Dunkin’s iconic orange, purple, and brown colors and invoking the spirit of the brand’s most famous fans, Ben Affleck and Matt Damon. “I’m joining the war on Dunkin on the side of Dunkin,” one user wrote. traitor of the commonwealth of massachusetts https://t.co/W5ahSA7Efm pic.twitter.com/0V89NXp6zF — jackass of all trades (@unclevanya69) March 4, 2026 Stand for the flag kneel for the croissant pic.twitter.com/0ryhzy5cOq — Kirk Chungus (@wyatt_riot_69) March 4, 2026 These colors don’t run pal https://t.co/Cx0DvLveiX pic.twitter.com/cq0YW3d42c — Liam Fennessy (@LiamFennessy_) March 4, 2026 I'm joining the war on Dunkin on the side of Dunkin https://t.co/GhABZ4LIoI — Liz Charboneau (@lizchar) March 4, 2026 Even Massachusetts’ Governor Maura Healey chimed in to defend Dunkin’, posting her own take on the “Come and Take it” flag (originally created in 1835 for the Texas Revolution). Healey’s version replaces the flag’s cannon with an iced coffee from Dunkin’. The message was clear: Coming for Dunkin’ means coming for all of Massachusetts. https://t.co/Kr4qXdOEBI pic.twitter.com/W6jIA3tkMT — Governor Maura Healey (@MassGovernor) March 4, 2026 Despite growing up in the state himself, Kennedy’s relationship with Massachusetts is far from positive. A November 2025 survey found that roughly 62% of registered voters in Massachusetts “disapprove” or “strongly disapprove” of his performance as Health Secretary. Threatening the coffee that runs through the state’s blood is no way to win back voters’ favor—though if he’ll follow through on his plan to stop America from running on Dunkin’ remains to be seen. Neither Dunkin’ nor the Department of Health and Human Services have responded to Fast Company’s request for comment. View the full article

While OpenAI becomes increasingly independent from Microsoft and, by extension, Bing, has it replaced this new found freedom for a dependent relationship with Google? Has OpenAI’s increasing independence from Microsoft and, by extension, Bing, become an overly dependent relationship with Google? Our study comparing shopping query fan-outs (QFOs) in ChatGPT from both Google and Bing carousels seems to have provided at least somewhat of an answer to that question. Let’s take a look at how this study was conceived and what we found. Brief shopping fan-out background and technical explainer In November 2025, a few researchers in the AI research space, including myself, detected a mysterious field in ChatGPT’s source code: id_to_token_map. But what that field revealed when decoded was even more intriguing. This field is what’s called base64 encoded, but when we decoded it, it revealed what looked to be Google Shopping parameters, such as productid, and offerid, but also language/locale parameters. Even more interesting? This field revealed a query used to look up that particular product. To categorically prove this was indeed a Google Shopping link, we would have to be able to reconstruct the shopping URL solely from the extracted parameters. Let’s look at an example of what this looks like using the ChatGPT product carousel for the prompt “best smartphones under $500.” If we decode the relevant field, we can recreate the Google Shopping link from the extracted parameters. The big question was: Would this link correspond to the exact product in the ChatGPT product carousel? So we tried it: It turns out that, in fact, yes it does! But this decoding technique alone doesn’t answer any of these important questions: Is this retrieval process uniform across diverse product categories? Does ChatGPT select from a certain number of Google product positions? Does ChatGPT favor higher Google Shopping product positions? How common is this process at scale? Was this just a fluke or, given a large enough dataset, could we match these products with any online retailer or even Bing Shopping results? Using Peec AI data, the following study aimed to robustly prove once and for all that ChatGPT does indeed mainly source from Google Shopping. To do this we analyzed more than 40,000 carousel products and 200,000 organic products from each Google and Bing. By comparing the similarity of the products, we got a very clear picture of what was really happening behind the scenes. Let’s dig into our findings. Are shopping query fan-outs really that different from normal search query fan-outs? To answer whether shopping query fan-outs are different from normal search query fan-outs, we analyzed 1.1M shopping query fan-outs from Peec AI data and compared them to the normal search query fan-outs for the same user prompt. We found that they are almost always different: Shopping QFO unique to user prompt99.70%Shopping QFO unique to normal query search fan-out98.31% To dive deeper, we explored the average word counts of both of these query fan-out types by calendar week. The chart below clearly shows that normal fan-outs are significantly longer — 12 vs. seven words. That makes sense since search query fan-outs are used to retrieve contextual information. This means they need to be long enough to retrieve web results that are specific to the user prompt. Vector search (or comparing embeddings) works best with more context. Shopping fan-outs, on the other hand, typically target a specific shopping results page and therefore do not need to be as long. It appears the main goal is to retrieve products based on the shopping fan-out. Rather than compare chunks of text, the data in this study supports the hypothesis that ChatGPT relies heavily on Google organic shopping results to populate its carousel. Further evidence of the distinct nature of the shopping fan-outs surfaces when we look at how many are used per prompt. On average, 2.4 search fan-outs are used per prompt vs. just 1.16 for shopping fan-outs. For reasons similar to above, retrieving more contextual information often requires more search fan-outs vs. simply retrieving products. To populate an eight product carousel in ChatGPT, it seems that, for the most part, one page of Google Shopping results is enough. How similar are ChatGPT Carousel products to Google Shopping products? To answer this question in the fairest possible way, we extracted around 5,000 ChatGPT carousels comprising 43,000 products from the Peec AI dataset. Prompts were chosen to be as diverse as possible (see Methodology for the creation process). We then extracted the organic shopping pages and retrieved the top 40 organic products for both Google and Bing shopping results. Paid ads and sponsored products were excluded from the analysis. We used a three-step matching algorithm (see Methodology for exact details) to attain a similarity score between the ChatGPT product title and the title found in organic shopping results. This is because not only is ChatGPT probabilistic, but so is, to a certain extent, Google Shopping. Product titles can be rewritten with or without certain product features and results are very sensitive to the exact proxy location where the results are retrieved. We counted a product as matching if it reached a threshold of 0.8 or above, effectively, if it was the same brand and product name and exhibited a very high degree of similarity. The results are summarized in the chart below. Impressively, across 43,000 highly diverse ChatGPT carousel products, 45.8% were found to have an exact title match in the corresponding Google top 40 organic shopping products for that exact shopping fan-out. For Bing, this exact match rate was just 0.48%. If we simply look at the percentage of strong product matches across all eight ChatGPT carousel positions, over 83% were found in the Google top 40 products, but that number drops to just under 11% for products found on Bing. This is very strong evidence that ChatGPT sources its carousel products from organic Google Shopping results. We also see a very high number of weak matches in Bing at over 62%. This implies that the top 40 returned products for each shopping fan-out differ significantly across Google and Bing. This makes sense as there are many 1000s of possible combinations of brand and product that can be surfaced in shopping results. Even if Bing found around 11% of ChatGPT carousel products, how many of those products were only found by Bing? Across the 43,000 carousel products Bing only found 70 that were not found in Google Shopping, constituting just 0.16%. This means that in almost every case there was a match in Bing there was also a match in Google. It seems unlikely, then, that ChatGPT is also sourcing products from Bing Shopping in the vast majority of cases. How does the ChatGPT carousel position affect the match rate? Here we explore the most common positions (mean and median shown) of Google shopping product positions for each ChatGPT carousel position: For example, for the first carousel position we can see that the average Google Shopping position is around five. Note that we see a sloping trendline for the carousel positions that correspond to higher Google Shopping positions. This implies that ChatGPT sources top carousel products from higher Google Shopping positions. Plotted another way, we can visualize the cumulative number of strong matches across organic Google Shopping positions. This chart allows us to see that 60% of the strong product matches are found in the top 10 Google shopping results alone. Comparing the top 20 vs. positions 21-40, ChatGPT’s favoritism for higher positions becomes clear, with an overwhelming majority of matches (almost 84%) coming from the top 20: Finally, we explored whether the prompt being branded vs. non-branded made a difference to the product matching results. The results show a similar high level of product matching for both branded and non-branded prompts, with only slightly higher match rates for non-branded: Summary of findings This study analyzed over 43,000 ChatGPT carousel products across 10 industry verticals and compared them against 200,000+ organic shopping results from both Google and Bing. The findings painted a clear picture. ChatGPT sources its carousel products from Google Shopping, not Bing Over 83% of ChatGPT carousel products were found as strong matches in Google’s top 40 organic shopping results. For Bing, that figure was just 11%, and of those, only 70 products across the entire dataset (0.16%) were found exclusively in Bing. In almost every case where Bing returned a match, Google had already returned the same product. Product retrieval and contextual retrieval are separate processes The data strongly supports this. Shopping query fan-outs are distinct from normal search fan-outs 98.3% of the time. They are significantly shorter (seven vs. 12 words), and ChatGPT uses far fewer of them per prompt (1.16 vs. 2.4 words). This makes sense; populating a product carousel is a fundamentally different task from gathering contextual information to construct a written answer. One is about retrieving structured product listings from a shopping index while the other is meant to retrieve web pages rich enough in context for vector search and re-ranking to work effectively. ChatGPT favors higher Google Shopping positions The data shows a clear positional bias, with 60% of strong matches coming from the top 10 Google Shopping results and nearly 84% from the top 20. ChatGPT carousel position correlates with Google Shopping rank, meaning products that rank higher in Google Shopping are more likely to appear earlier in the ChatGPT carousel. This points to systemic architectural behavior Since these patterns hold across branded and non-branded prompts, and across all 10 verticals tested, this reinforces that this is a systematic architectural behavior rather than a category-specific or query-specific artifact. What this means For brands and retailers, the implication is straightforward: Your Google Shopping ranking strongly influences whether your products make it into ChatGPT’s carousel. These findings indicate that the selection set of carousel products in many cases is effectively the top 40 organic Google Shopping positions for the corresponding shopping fan-out query. But while product ranking in Google Shopping plays a role, it doesn’t tell the full story. It is likely that other factors, such as overall product mentions and sentiment in the context sources retrieved, also factor into the final ChatGPT carousel selection and ranking. Understanding the full picture in terms of how your products are perceived across relevant sources, as well as how you show up on Google Shopping, could be the key to understanding ChatGPT product carousels. For the AI research community, this study provides robust, large-scale evidence that ChatGPT’s product carousel operates as an independent retrieval pipeline for the selection set of products, separate from the contextual web search that powers the written portion of its responses. It is possible, and even likely, that for the final selection and ranking of products, ChatGPT uses contextual clues such as product sentiment from the sources retrieved by the normal search fan-outs. As always, this represents a snapshot of current behavior. OpenAI could change its retrieval sources or methods at any time, but this behavior has been consistent in our findings for at least the last four months. Methodology Objective Measure how much product overlap there is between ChatGPT Shopping (via product carousels) and Google Shopping organic results for the same queries, across 10 industry verticals. This was contrasted to Bing shopping results as a control using an identical pipeline. Specifically, the study evaluated: How often ChatGPT recommends products that also appear in Google Shopping results Where those overlapping products rank in each system PromptSet creation Prompts were created with the purpose of triggering ChatGPT carousels. To maximize diversity, a mixture of branded and non-branded prompts were used, as well as prompts that explicitly included a price and ones that did not. Additionally, a diverse selection of verticals were chosen to make the findings more robust. These were: Apparel & Footwear, Baby & Kids, Beauty & Personal Care, Electronics, Home Improvement, Home & Kitchen, Office Supplies, Pet Supplies, Sports & Outdoors, Toys & Games. Product matching The product matching algorithm compared ChatGPT product titles against the top 40 Google Shopping titles using a three-stage cascade approach The goal was to find the best match between a ChatGPT product title and the corresponding Google Shopping titles. A match was determined using a cascade of three stages: Stage 1: Exact match Method: Case-insensitive string equality after removing whitespace Score: 1.0 Label: exact Stage 2: Near-exact match Method: Uses the Python SequenceMatcher ratio on lowercased strings Trigger: Activated if the best ratio across all candidates is 0.95 or higher Purpose: To catch minor, trivial differences like spacing, punctuation, or different types of dashes Score: The SequenceMatcher ratio (rounded to three decimal places) Label: near-exact Stage 3: Hybrid match Method: A weighted average combining character-level similarity and token (word) overlap Components and Weights: SequenceMatcher Ratio (Character Similarity): 40% weight. Token Overlap (Word Inclusion): 60% weight (fraction of tokens in the shorter title found in the longer one) Selection: The candidate with the highest hybrid score is chosen, regardless of a specific threshold Score: Calculated as (0.4 * SequenceMatcher Ratio) + (0.6 * Token Overlap) (rounded to 3 decimal places) Label: hybrid This approach was set to be fairly conservative, and 0.8 was determined as a reasonable threshold for a product match as this often corresponds very closely to the same brand and product. Real examples of matching thresholds from the data: Match thresholdDescriptionChatGPT productGoogle ShoppingDifferences observed1.0Exact string match, no differencesHot Wheels RC 1:64 Mustang GTDHot Wheels RC 1:64 Mustang GTDNone0.95Near exact, minor differences such as hyphen, punctuation onlyLearning Resources Snap-n-Learn Matching DinosLearning Resources Snap‑n‑Learn Matching DinosThe hyphen character is different in unicode0.9Same brand and product, additional non-crucial words allowedBlock Tech 250 Piece SetBlock Tech 250 Piece Building Blocks Set“Building” added to blocks, but product and brand are the same.85Same product and brand, potentially slightly different word order and additional, non-crucial wordsLEGO Japanese Red Maple Bonsai TreeJapanese Red Maple Bonsai Tree LEGO BotanicalsDifferent word order and one additional word “Botanicals,” same product and brand.8 good match threshold Same brand, same productSame brand and product, possibly additional descriptorsCards Game Against FRIENDS – Limited EditionCards Game Against FRIENDS – Limited Edition – Party Card Games For AdultsSame brand and product with additional descriptors that don’t affect the match.75Same brand and product line, very minor product differences such as size or dimensionsMy Sweet Love 14-inch My Cuddly Baby DollMy Sweet Love 8-Inch MinWeBaby DollSame brand and product line but different size dimension.7Same brand, often slightly different product, but within same categoryAdventure Force Ram Truck RC CarAdventure Force McLaren 765LT RC CarSame brand and product category but different individual product.65Same brand, often slightly different product but within same categoryMattel 300‑Piece PuzzleMattel 80th Anniversary PuzzleSame brand and product category but different individual product.6Typically same product category, but often different brand and product lineTell Me Without Telling Me Party Card GameElimino! Card GameDifferent brand and product line, the same overall category of “card game”.55Similar product category but usually not either different brand and/or different productFurby Interactive Plush Toy Interactive Digital Pet ToyInteractive Digital Pet ToyDifferent brand, similar product category but different specific product View the full article

We may earn a commission from links on this page. Deal pricing and availability subject to change after time of publication. If you lose something important, invariably it will happen at the worst possible time—say, your keys disappearing right before you need to leave the house, or you can't find the remote and the big game is starting. Bluetooth trackers exist to help solve this exact problem, and now is a good time to pick up a bunch of them at a discount: A four-pack Samsung Galaxy SmartTag 2 is currently $44.99 on Woot, compared with $55.99 on Amazon. The bundle includes four trackers. Prime members get free standard shipping, while everyone else pays $6, though the item does not ship to Alaska, Hawaii, or PO box addresses. Woot lists the deal as running for a little over three weeks or until it sells out, whichever happens first. Price trackers also suggest this deal is about as low as these trackers have dropped. Samsung SmartTag2 A four-pack of Samsung's Bluetooth tracker $44.99 at Woot $99.99 Save $55.00 Get Deal Get Deal $44.99 at Woot $99.99 Save $55.00 Each tag weighs less than half an ounce, and Samsung has redesigned the casing to include a larger metal-reinforced loop to make it easier to attach the tracker to bags, bikes, or a pet collar without needing a separate holder, notes this PCMag review. The SmartTag 2 uses Bluetooth Low Energy to connect to your phone when you are nearby, so you can trigger a ring to help track something down around the house. If the item is farther away, the tag can still show its location through Samsung’s SmartThings Find network, which uses nearby Galaxy devices to anonymously update the tag’s location. Some newer Galaxy phones also support ultra-wideband (UWB), which adds directional guidance on the screen, so you can walk toward the tracker once you are close. The tag itself is IP67-rated, so it can handle rain, dust, or being tossed into a gym bag without much concern. Samsung also uses a replaceable battery that can last around a year, so you won't need to replace the tracker every time it runs out of power. That said, the biggest catch is that this tracker is built for the Samsung ecosystem, given that it only works with Samsung Galaxy phones or tablets running Android 9 or newer, and it relies on Samsung’s SmartThings Find network. If you use an iPhone or another Android brand, this is not the right tracker for you (Apple’s AirTag works better for iPhones, while Tile Pro is a more flexible option for mixed-device households). For Galaxy users, though, the experience is simple, and the tracking network works well in busy areas. Our Best Editor-Vetted Tech Deals Right Now Apple AirPods 4 Active Noise Cancelling Wireless Earbuds — $119.00 (List Price $179.00) Samsung Galaxy S26, Unlocked Android Smartphone + $100 Gift Card, 512GB, Powerful Processor, Galaxy AI, Immersive Viewing, Durable Battery, 2026, Black — $899.99 (List Price $1,199.99) Samsung Galaxy Buds 4 AI Noise Cancelling Wireless Earbuds + $20 Amazon Gift Card — $179.99 (List Price $199.99) Google Pixel 10a 128GB 6.3" Unlocked Smartphone + $100 Gift Card — $499.00 (List Price $599.00) Apple iPad 11" 128GB A16 WiFi Tablet (Blue, 2025) — $329.00 (List Price $349.00) Apple Watch Series 11 [GPS 46mm] Smartwatch with Jet Black Aluminum Case with Black Sport Band - M/L. Sleep Score, Fitness Tracker, Health Monitoring, Always-On Display, Water Resistant — $329.00 (List Price $429.00) Amazon Fire TV Soundbar — $99.99 (List Price $119.99) Deals are selected by our commerce team View the full article

While this only shows a 2-basis-point rise in the 30-year fixed since last week, the Lender Price product and pricing engine data is 30 basis points higher. View the full article

FedEx has recently announced a sweeping initiative aimed at enhancing its workforce’s proficiency in artificial intelligence (AI). This move is part of a broader strategy to harness AI for smarter supply chains and business practices. For small business owners, this development holds significant implications for workforce development, operational efficiency, and competitiveness in a rapidly evolving market. Raj Subramaniam, president and CEO of FedEx Corporation, emphasized the need for AI literacy across all levels of the organization. “The future of business is being shaped by data and AI more than ever before,” he stated, reinforcing the belief that equipping employees with the necessary skills is central to driving innovation and growth. The newly launched AI Education and Literacy program focuses on tailored, role-specific training for FedEx employees globally. By partnering with Accenture to implement the program through its AI-native training platform called LearnVantage, FedEx aims to equip its workforce with a common understanding of AI. Personalized learning paths will enhance individual skills and encourage responsible AI application in various operational roles. Small business owners can take several key insights from this initiative: Investing in Human Capital: The importance of training cannot be overstated. Just as FedEx is investing in its employees, small businesses should also prioritize workforce education, particularly in emerging technologies. Providing AI literacy among your team can drive performance and foster a culture of continuous improvement. Tailored Training Approaches: FedEx’s strategy includes custom learning experiences that align with employee roles and development stages. Small businesses can adopt a similar approach, ensuring that training programs are relevant to the specific needs and responsibilities of team members. This not only enhances engagement but also improves retention and application of new skills. Integration of AI Tools: By embedding AI into daily functions, businesses can streamline operations. Small business owners should look into AI tools that can enhance logistics, customer service, or marketing efforts. The goal is to create a symbiosis between human skills and technological capabilities to drive productivity. As Vishal Talwar, FedEx’s chief digital and information officer, noted, “We are on a journey to empower our people with AI literacy and the practical technology skills needed to keep driving our business forward.” This highlights the need for a proactive approach to technological adoption. Small businesses can benefit from exploring AI solutions that fit their unique operational needs, from automating repetitive tasks to analyzing customer data for better decision-making. However, there are potential challenges that small business owners should consider. The integration of AI and associated training programs may require upfront investment, both financially and in terms of time. Business owners should analyze budget constraints and ensure that their resources are allocated effectively to maximize returns on these initiatives. Moreover, small businesses may face hurdles in keeping pace with larger competitors that have more resources to invest in technology and training. This calls for a strategic focus on niche markets or unique value propositions that leverage AI in innovative ways. Finally, assimilating new technology into established workflows can be daunting. Small business owners must engage their teams in the transition process, ensuring everyone understands the benefits of AI and how it can be responsibly utilized. In summary, FedEx’s AI Education and Literacy program exemplifies a commitment to workforce development that small businesses can emulate. By fostering AI literacy and investing in targeted training, small business owners can cultivate a workforce ready to leverage innovative technologies, ultimately enhancing operational efficiency and competitive edge. To learn more about FedEx’s initiative, you can visit the original press release here. Image via Google Gemini This article, "FedEx Launches AI Education Program to Empower Global Workforce" was first published on Small Business Trends View the full article

FedEx has recently announced a sweeping initiative aimed at enhancing its workforce’s proficiency in artificial intelligence (AI). This move is part of a broader strategy to harness AI for smarter supply chains and business practices. For small business owners, this development holds significant implications for workforce development, operational efficiency, and competitiveness in a rapidly evolving market. Raj Subramaniam, president and CEO of FedEx Corporation, emphasized the need for AI literacy across all levels of the organization. “The future of business is being shaped by data and AI more than ever before,” he stated, reinforcing the belief that equipping employees with the necessary skills is central to driving innovation and growth. The newly launched AI Education and Literacy program focuses on tailored, role-specific training for FedEx employees globally. By partnering with Accenture to implement the program through its AI-native training platform called LearnVantage, FedEx aims to equip its workforce with a common understanding of AI. Personalized learning paths will enhance individual skills and encourage responsible AI application in various operational roles. Small business owners can take several key insights from this initiative: Investing in Human Capital: The importance of training cannot be overstated. Just as FedEx is investing in its employees, small businesses should also prioritize workforce education, particularly in emerging technologies. Providing AI literacy among your team can drive performance and foster a culture of continuous improvement. Tailored Training Approaches: FedEx’s strategy includes custom learning experiences that align with employee roles and development stages. Small businesses can adopt a similar approach, ensuring that training programs are relevant to the specific needs and responsibilities of team members. This not only enhances engagement but also improves retention and application of new skills. Integration of AI Tools: By embedding AI into daily functions, businesses can streamline operations. Small business owners should look into AI tools that can enhance logistics, customer service, or marketing efforts. The goal is to create a symbiosis between human skills and technological capabilities to drive productivity. As Vishal Talwar, FedEx’s chief digital and information officer, noted, “We are on a journey to empower our people with AI literacy and the practical technology skills needed to keep driving our business forward.” This highlights the need for a proactive approach to technological adoption. Small businesses can benefit from exploring AI solutions that fit their unique operational needs, from automating repetitive tasks to analyzing customer data for better decision-making. However, there are potential challenges that small business owners should consider. The integration of AI and associated training programs may require upfront investment, both financially and in terms of time. Business owners should analyze budget constraints and ensure that their resources are allocated effectively to maximize returns on these initiatives. Moreover, small businesses may face hurdles in keeping pace with larger competitors that have more resources to invest in technology and training. This calls for a strategic focus on niche markets or unique value propositions that leverage AI in innovative ways. Finally, assimilating new technology into established workflows can be daunting. Small business owners must engage their teams in the transition process, ensuring everyone understands the benefits of AI and how it can be responsibly utilized. In summary, FedEx’s AI Education and Literacy program exemplifies a commitment to workforce development that small businesses can emulate. By fostering AI literacy and investing in targeted training, small business owners can cultivate a workforce ready to leverage innovative technologies, ultimately enhancing operational efficiency and competitive edge. To learn more about FedEx’s initiative, you can visit the original press release here. Image via Google Gemini This article, "FedEx Launches AI Education Program to Empower Global Workforce" was first published on Small Business Trends View the full article

United Airlines might kick you off a flight if you don’t use headphones to listen to devices Blasting music, your favorite podcast, or your bestie’s TMI voicemail for all to hear can be an annoying experience for those nearby. But one airline isn’t just looking down on passengers who allow sounds from their devices to be overheard by those around them. They’re kicking them off planes. In a newly released policy, United Airlines said it would ban passengers who don’t abide by its new headphone rule. The airline added the rule to its Contract of Carriage, which passengers agree to when buying a plane ticket. Under the Refusal of Transport category, which lists reasons why a passenger may be booted from a flight, the rule is laid out. “Passengers who fail to use headphones while listening to audio or video content,” the airline states. The rule also explains that a flier who refuses to wear headphones and thus “causes UA any loss, damage or expense of any kind” may be expected to reimburse the airline for said losses. Refusal to wear headphones could even result in a permanent ban from the airline, the policy states. “We’ve always encouraged customers to use headphones when listening to audio content — and our Wi-Fi rules already remind customers to use headphones,” a United spokesman told Fast Company in an email, adding that the carrier is expanding its high-speed Starlink connectivity. “It seemed like a good time to make that even clearer by adding it to the contract of carriage.” While the rule may seem harsh, it’s not difficult to abide by — the airline will hand out free basic wired sets to anyone who doesn’t have their own headphones. The policy is mostly being applauded on social media. In response to a post about the change on X, one commenter wrote, “Every frequent flyer approves this.” Another said, “It is crazy this is even a thing! You would have to be insane to not use headphones on a flight! It’s common courtesy to wear em!” While United may be the first airline to suggest they’ll enforce such a policy, most airlines do have similar guidance around headphone use. On its entertainment page, which features movie options for passengers to enjoy while en route to their destination, Delta Airlines asks, “For the comfort of everyone around you, please use earbuds or headphones with any personal electronic device during your flight.” Likewise, Southwest’s help center page states that “Headphones are required whenever a passenger is listening to any audio.” View the full article

Here are three updates from past letter-writers. 1. A medical tech repeatedly proselytized to me I had an appointment with my doctor this morning and told him that one of the techs had made me uncomfortable by repeatedly discussing her religious beliefs with me even after I directly asked that she not. I used the phrasing a couple of commenters suggested — that she essentially was telling me that if I accepted Jesus into my life, my mental health would improve. My doctor thanked me for telling him, apologized for my experience, and said that he would make sure that this behavior would not happen again with me or other patients. Interestingly, he did not ask me which tech (there are two — the other was always very professional), so I suspect either he already had heard about this from another patient or just knew immediately which tech it had to be. I don’t know that I would have talked to him about this if it weren’t for all of the encouragement that I received, and I definitely feel better about the practice now that it has been discussed. Again, many thanks to you and to the Ask A Manager community! 2. Coworker hawks up snot in the kitchen every day (#2 at the link) Not long after my first message (almost two years ago now) I injured my foot and was unable to go into the office at all (or walk, really) for several months. After that, I still mostly still worked from home until a couple of months ago when management started getting a little more serious about people actually being in the office. The second day I was back in, I was walking by the office kitchen when I heard the mucus action start again. TWO YEARS and nobody had said anything, apparently! I was kind of grumpy about being in the office at all so I just walked in and said, firmly but as politely as possible, “Can you please do that in the bathroom instead of the kitchen? It’s super gross. Thank you.” She looked a little startled (I mean, after years of this, and nobody saying anything, she had no reason to think it was an issue) but said okay. And she hasn’t done it again when I’ve been here. I still head home for lunch usually, but there haven’t been any recurrences and my office experience has been blissfully free of the sound of sinus clearing. I still would rather be working from home, but at least the office experience is a little more pleasant than it was. 3. HR sent me confidential salary info, then recalled it, then told the whole company not to discuss salary, then backtracked, then doubled-down (#2 at the link) I wrote in last year wondering if I could get in trouble for not telling my boss that our HR manager sent me confidential salary information. It was not a letter that I thought would ever have an update, but this was too wild not to share. A few days ago, I got to work and there was AN FBI AGENT standing in the lobby. Apparently the HR manager was also the business manager at her church and between unauthorized transactions and secret credit cards, she had stolen almost $650,000 from them over the course of several years. She was investigated for it a year or so ago but as far as we knew had been cleared, and we were able to verify that she didn’t try any financial shenanigans here, which is why she still worked for us. Her boss jokingly asked a couple of us if we thought he needed to update the handbook to specifically state that getting arrested by the FBI is grounds for immediate termination, because, well, apparently it is. We now have a sign noting the number of days since law enforcement was last here, and a common answer to “How are you?” is “Pretty good, I didn’t get arrested by the FBI!” The post updates: the proselytizing tech, the gross coworker, and more appeared first on Ask a Manager. View the full article

Today's Bissett Bullet: “Of all of the components of an effective marketing strategy, your message is arguably the most important.” By Martin Bissett See more Bissett Bullets here Go PRO for members-only access to more Martin Bissett. View the full article

Today's Bissett Bullet: “Of all of the components of an effective marketing strategy, your message is arguably the most important.” By Martin Bissett See more Bissett Bullets here Go PRO for members-only access to more Martin Bissett. View the full article

This week was a big one for Apple. The company announced a slew of new products, including the "affordable" iPhone 17e, the M4 iPad Air, M5 series MacBooks, and, of course, the low-cost MacBook Neo. That's a jam-packed list of updates affecting most of Apple's product lineup. Amid all the hullabaloo, however, Apple quietly issued a small update for its lineup of products—notably, for the iPhone. iOS 26.3.1 is the latest version of Apple's iPhone OS, and comes just three weeks after the release of iOS 26.3. Keen observers will note that the 0.0.1 updates are usually pretty minor, and 26.3.1 is no exception. There are no new features here like you'd expect from a 26.3 update (in fact, Apple is saving those for iOS 26.4). Instead, this update adds support for Apple's new Studio Display and Studio Display XDR monitors, which are currently available to preorder, and smooths out the rough edges of iOS, patching bugs and fixing glitches that weren't fixed with the last update. What are those bug fixes, you ask? Good question. Apple is being pretty cagey with this latest update, and isn't saying much outside of acknowledging the existence of bug fixes in general. The company didn't even issue proper security notes for 26.3.1, but does list these updates on its security release site. That could mean a couple of things: Either there aren't any major CVE (Common Vulnerabilities and Exposures) entries to note here, or there aren't any Apple is comfortable disclosing at this time. If there are security vulnerabilities that Apple wants to patch without cluing in bad actors, they might quietly ship a security update without noting them. Of course, that's pure speculation since we don't have the notes here, so there may be no major patches to note here. iOS 26.3.1 isn't the only update Apple released, either. According to Apple's security site, the company also shipped macOS 26.3.1, as well as iOS 18.7.6. Interestingly, Apple released visionOS 26.3.1 on Feb. 26. If there are any security patches in this 26.3.1 series, the company addressed them on Vision Pro ahead of iPhone, iPad, and Mac. How to install iOS 26.3.1To update your iPhone, open Settings, then head to General > Software Update. Here, wait for iOS to load, then follow the on-screen instructions to download and install iOS 26.3.1. View the full article

Welcome to AI Decoded, Fast Company’s weekly newsletter that breaks down the most important news in the world of AI. You can sign up to receive this newsletter every week via email here. Familiar tensions around Sam Altman OpenAI CEO Sam Altman voiced his support for Anthropic in its dispute with the Pentagon over the use of its AI for targeting autonomous weapons and in domestic mass surveillance. He did so in a company meeting and during a CNBC Squawk Box appearance last Friday, the day Anthropic was effectively blacklisted by the The President administration. But two days earlier, on Wednesday, Altman had reportedly already begun talking to the Pentagon about a contract that would let OpenAI effectively replace Anthropic as the sole supplier of AI models for classified information. The day after Anthropic missed its “deadline” for agreeing to the Pentagon’s terms, Altman announced on X that his company had reached an agreement with the Pentagon to provide AI for the same classified work. He added that the contract emphasized that the Pentagon wouldn’t use its AI for autonomous weapons or domestic mass surveillance. Altman explained on X that the contract contained guarantees that OpenAI models wouldn’t be used for autonomous weapons or mass surveillance. It seemed odd that OpenAI’s lawyers would be able to do that on such a tight timeline, while Anthropic’s lawyers weren’t able to do so over the weeks the company spent negotiating with the Pentagon. Altman seemed to try to explain it away in a March 1 tweet: “I think Anthropic may have wanted more operational control than we did,” he wrote. (Anthropic CEO Dario Amodei, for his part, said during a company meeting that OpenAI’s negotiations with the Pentagon amounted to “safety theater,” according to The Information.) In an internal memo that Altman tweeted this week, he acknowledged that rushing to get a deal done with the Pentagon on the same day Anthropic lost its deal was a bad look. “The issues are super complex, and demand clear communication,” he wrote. “We were genuinely trying to de-escalate things and avoid a much worse outcome, but I think it just looked opportunistic and sloppy.” All of this strongly suggests that OpenAI simply accepted the same or similar alternative contract language the Pentagon offered Anthropic at the eleventh hour—language that promised, in a completely non-binding way, not to use the AI for autonomous weapons or mass surveillance. On Monday night, Altman said on X that the Pentagon had agreed to add more explicit language rooted in existing U.S. laws stating that OpenAI’s models wouldn’t be used for domestic surveillance. But didn’t Anthropic object to the Pentagon’s desire to use AI models for domestic surveillance programs already permitted under existing laws? People who have worked with Altman say the CEO often says one thing and does another. Recall that the OpenAI board of directors fired Altman because he’d been less than honest about strategic decisions he made for the company. In his latest Platformer newsletter, Casey Newton recalls this quote from Wall Street Journal reporter Keach Hagey’s book about Altman, The Optimist. “It had taken [Ilya] Sutskever years to be able to put his finger on Altman’s pattern of behavior—how OpenAI’s CEO would tell him one thing, then say another and act as if the difference was an accident. ‘Oh, I must have misspoken,’ Altman would say. Sutskever felt that Altman was dishonest and causing chaos, which would be a problem for any CEO, but especially for one in charge of such potentially civilization-altering technology.” In his latest Platformer newsletter, Casey Newton cites reporting from reporter Keach Hagey’s book The Optimist, which recounts how OpenAI cofounder and then–chief scientist Ilya Sutskever eventually grew uneasy about Altman’s leadership. As Hagey writes, it took Sutskever years to put his finger on what bothered him: conversations with Altman would later seem to shift or contradict themselves, only to be waved away with explanations like, “Oh, I must have misspoken.” Sutskever ultimately came to see the behavior as dishonest and destabilizing—which, per the book, “would be a problem for any CEO, but especially for one in charge of such potentially civilization-altering technology.” The AI Contract Fight That Should Have Stayed Inside the Pentagon Anthropic’s dispute with the Pentagon should never have become public. Because the matter involves defense and classified information, it should have been handled face-to-face, in private, at the Pentagon. But for some reason Defense Secretary Pete Hegseth and President Donald The President decided to turn it into a culture war issue. Their decision to ultimately declare Anthropic a “supply chain risk” was arbitrary and capricious, and still makes little sense. Yet the core issues at the center of the dispute were legitimate disagreements, and the way they’re being resolved could have lasting consequences for how AI is used in government, including defense. In July 2025, Anthropic signed a $200 million contract with the Pentagon to develop AI for national security, making it the first AI company to deploy models on classified networks (through a partnership with Palantir). There was a sort of poison pill in that contract. It has now poisoned Anthropic’s relationship with the Pentagon, and arguably both parties share some of the blame. The dispute began early this year when the Pentagon informed Anthropic that it was “reviewing its contracts.” DoD officials said that, in order to renew the agreement beyond its original term, Anthropic would need to remove any guardrails preventing its AI models from being used in operations not prohibited by law. The original contract, which the Pentagon signed in 2025, did not expressly prohibit the use of Anthropic’s models for targeting autonomous weapons or conducting mass surveillance—Anthropic’s two main “red line” use cases. But Anthropic’s Terms of Service did, and the contract stated that defense agencies could use the AI models for anything not prohibited in the Terms of Service. Didn’t the DoD’s attorneys give those terms a careful read before signing the contract? And given the sensitive nature of the work its models would be doing at the Pentagon, why didn’t Anthropic put language about mass surveillance and autonomous weapons directly into the contract itself? Now, seven months later, the Pentagon says it will terminate the agreement. A lot of time, money, and effort might have been saved if the two sides had confronted their disagreements last July. Many in the defense industry see the core dispute as a question of who gets to set policy for how the armed forces use AI. Such policies have already been dictated by Congress, the argument goes, and if new rules are needed Congress will act. Defense agencies, in this view, should not be bound by guardrails set by private AI companies. Before the February 27 resolution deadline, Senate Armed Services Committee leaders Chairman Roger Wicker (R-Miss.) and Jack Reed (D-R.I.) sent a letter to Hegseth and Amodei arguing that contract disputes are not the appropriate venue for setting national AI policy, and urging the two sides to keep negotiating. Anthropic, for its part, argues that some of AI’s capabilities have already raced ahead of the law. For example, AI models can analyze surveillance data at an unprecedented scale, potentially threatening privacy and assembly rights in ways existing statutes do not fully anticipate, Amodei has said. By writing a rule against such uses into its Terms of Service, Anthropic says it is providing its own safeguard. Anthropic’s objection to using its models as the brains for autonomous weapons—like the drones now active in the Ukraine conflict and in the Gaza Strip—is more technical than legal or moral. The company believes the AI is not yet reliable enough to fill that role without human supervision, raising the risk of targeting and potentially killing the wrong people. In more civil times, the Anthropic–DoD dispute would likely have been worked out behind the scenes. A technical solution also seems readily imaginable. While Anthropic was the first AI company to install models on classified networks, it was never going to be the only one. The Pentagon always planned to approve OpenAI, xAI, and Google for classified work. One could imagine a system that calls on different models for different tasks, depending on their strengths, and their “red lines.” Instead, Anthropic—whose AI is reportedly well regarded by many in defense and intelligence circles—was suddenly labeled a “woke” company led by “leftist fanatics,” as the president put it on Truth Social, and barred from use not only by the Pentagon but by the agency’s suppliers as well. More AI coverage from Fast Company: AI ‘vibe-coded’ war dashboards are flooding social media The startup that turned Texas’s book ban law into big business How to understand the circular dealmaking fueling the AI boom What this Texas GOP primary revealed about the politics of AI data centers Want exclusive reporting and trend analysis on technology, business innovation, future of work, and design? Sign up for Fast Company Premium. View the full article

Quick, low-cost ideas. By Sandi Leyva Go PRO for members-only access to more Sandi Smith Leyva. View the full article

Quick, low-cost ideas. By Sandi Leyva Go PRO for members-only access to more Sandi Smith Leyva. View the full article

Daylight savings time (DST) is just around the corner. This Sunday, March 8, the clocks will spring forward again, and with the change comes the ongoing conversation about, well—why are we doing this, anyway? According to an AP-NORC poll, only 12% of Americans favor DST, while 47% oppose it and 40% are neutral. In Canada’s British Columbia (BC) province, the government has finally decided to take matters into its own hands, and come this Sunday, daylight saving time (DST) will be permanent year-round. “This decision isn’t just about clocks. It’s about making life easier for families, reducing disruptions for businesses and supporting a stable, thriving economy,” British Columbia premier David Eby said in a release. “I am hopeful that our American neighbours will soon join us in ending disruptive time changes.” Much like the BC province, there are some U.S. states that have also refused to adhere to the time changes—namely, Hawaii and Arizona (with the exception of the Navajo Nation), as well as the U.S. territories of Puerto Rico, the Virgin Islands, American Samoa, Guam, and Northern Mariana Islands. In fact, any U.S. state can ditch the time change by state law in accordance with the Uniform Time Act, per the U.S. Department of Transportation. What to know about daylight saving time 2026 This Saturday, March 8, at 2 a.m. local time, most Americans will turn back their clocks to 1 a.m. That change will last until this fall, on Sunday, November 1—the end of DST, when the clocks fall backward. The upcoming time change means that in New York City, for example, the sunset won’t occur until 6:55 p.m. this Sunday. How daylight savings time shifts affect health In its news release, the BC government said the move away from DST would improve people’s overall health, be less disruptive, and most importantly, add back a crucial hour of an extra daylight to dark winter months. Research from Stanford Medicine backs this up: Scientists there found changing the clocks twice a year disrupts circadian rhythms, leading to higher rates of stroke and obesity, and has even been linked to more car crashes. View the full article

A defiant Elon Musk on Wednesday took the stand in a jury trial to defend himself against accusations that he engaged in a pattern of deceptive behavior that misled investors as he attempted to back out of his $44 billion deal to buy Twitter before he finally completed the takeover. The civil trial in San Francisco centers on a class-action lawsuit filed just before Musk took control of Twitter, a social media service he renamed X, in October 2022, six months after agreeing to buy the embattled company for $44 billion, or $54.20 per share. The price paid by the world’s richest man represents sliver of a fortune now estimated at $841 billion. The case, which represents Twitter shareholders who sold the stock between May 13 and Oct. 4, 2022, revolves around allegations that Musk violated federal securities laws while taking a series of calculated steps to drive down the company’s stock price in an attempt to either blow up the deal or wrangle a lower sales price. Musk maintained the deal merited re-negotiation or termination while insisting Twitter’s board duped him about the percentage of fake, or “bot,” account on its platform — a stance he took again during his Wednesday testimony in a black suit and a tie. When asked if he had threatened to “hunt down” Twitter’s board unless they returned to the negotiating table to discuss a revised sales price, Musk didn’t rule out that possibility in an answer that reflected the acrimony surrounding the deal. “There were a lot of threats going back and forth from both sides,” Musk said. “I was pretty upset with the Twitter board because I felt they had engaged in fraud.” The problem of bots and fake accounts on Twitter wasn’t new at the time Musk negotiated the deal. The company had paid $809.5 million in 2021 to settle claims it was overstating its growth rate and monthly user figures. Twitter also disclosed its bot estimates to the Securities and Exchange Commission for years, while also cautioning that its estimate might be too low. In Wednesday testimony, Musk repeatedly described the information that Twitter’s board provided with an abbreviation for a bull’s scatology. “I did make it clear that I thought it was BS,” Musk said of Twitter’s calculations asserting that only about 5% if its accounts were bots. But the allegations in the case accuse of Musk making a series of misleading statements about the Twitter deal before he served notice in July 2022 that he was pulling the plug on the deal. After Musk backed out, Twitter went to court in Delaware to force him to honor his original deal. Just before that case was scheduled to go to trial, Musk reversed course again and agreed to pay what he had originally promised. Musk testified Wednesday that he ended up completing the deal because his lawyers advised him that Delaware Chancery Court Chancellor Kathleen St. Jude McCormick, the judge in charge of the case, was “extremely biased” against him and he had no chance of prevailing. He pointed out that McCormick voided a $55 billion pay package awarded to him as CEO of electric automaker Tesla, but that decision wasn’t made until January 2024 — 15 months after he completed the Twitter takeover. The Delaware Supreme Court overturned McCormick’s ruling late last year. By tying his belief that McCormick was biased against him to his lawyers, Musk insulated himself from extensive questioning about the decision through legal protections shielding discussions between attorneys and their clients. But U.S. District Judge Charles Breyer on Wednesday cited other evidence that Musk may have personally concluded McCormick was biased, which could lift attorney-client privilege. Breyer indicated he may rule on the matter later in the trial currently scheduled to continue through March 19. In his testimony, Musk asserted that his decision to follow through on the deal at the original sales price provided a huge windfall for most Twitter shareholders. But Twitter’s shares fell below $33, or about 40% below Musk’s original purchase price, while the deal was hanging in limbo. That downturn costs shareholders who sold their stock during the uncertainty caused by what the lawsuit alleges was Musk’s deceitful behavior. “I can’t control whether people sell their stock, but everyone who held the stock fared extremely well,” Musk said. This isn’t the first time that Musk has been dragged into court to defend himself against allegations of duping investors with his social media posts. Three years ago, Musk spent about eight hours testifying in a San Francisco federal trial about his plans to buy Tesla — the electric automaker that he still runs as publicly traded company — for $420 per share in a proposed 2018 deal that never materialized. A nine-member jury absolved Musk of wrongdoing in that case. Before his Wednesday testimony concluded, Musk acknowledged that his frequent posts on social media probably reveal too much about what his going on his mind. “What I think privately is what I say publicly,” Musk said. Musk is expected to return to court Thursday to continue his testimony. —Barbara Ortutay and Michael Liedtke, AP Technology Writers View the full article

When you’re considering unsecured business loans, it’s essential to explore your options carefully. Several lenders, such as Fundbox, OnDeck, and Bank of America, offer diverse financing solutions customized to different needs. Each lender has unique interest rates, approval criteria, and loan amounts that can cater to entrepreneurs, startups, and established businesses. Comprehending these distinctions can help you find the right fit for your financial goals and requirements, but which lender might suit you best? Key Takeaways Fundbox offers quick approvals for unsecured lines of credit up to $150,000, ideal for businesses with minimum annual revenue of $30,000. OnDeck provides unsecured loans and lines of credit, catering to businesses with at least one year of operation and a minimum revenue of $100,000. Bank of America features competitive interest rates for unsecured loans, requiring a strong personal credit score and two years in business. Wells Fargo Business specializes in customized lines of credit for good-to-excellent credit borrowers, offering flexible funding terms and amounts up to $150,000. SMB Compass provides a wide range of financing solutions, including same-day funding options for loans and lines of credit up to $5 million. Fundbox If you’re looking for a flexible financing option for your business, Fundbox might be worth considering. As one of the leading unsecured business loan lenders, Fundbox specializes in offering business lines of credit up to $150,000. With interest rates starting at 4.66%, it provides an attractive option for unsecured business financing. To qualify, you’ll need to have been in business for at least three months, demonstrate a minimum annual revenue of $30,000, and maintain a personal credit score of at least 600. The application requires a business checking account, which helps streamline the funding process. One of the key advantages of Fundbox is its quick loan approval, typically granted within one business day, giving you rapid access to capital when you need it most. Additionally, there are no prepayment fees, allowing you flexibility in repayment options. OnDeck OnDeck stands out as a prominent option for businesses in need of unsecured financing, offering term loans up to $250,000 and lines of credit reaching $100,000. To qualify for an unsecured business term loan, you’ll need a minimum personal credit score of 625 and at least one year in business. OnDeck likewise requires a minimum annual revenue of $100,000, ensuring that your local business has stable income to support repayment. While their interest rates start at 35.90% APR, reflecting the higher risk associated with unsecured lending, OnDeck provides the advantage of same-day funding. This means you can access capital quickly, especially when facing urgent financial needs. Unlike secured business lending, where you may need to put up collateral, OnDeck focuses on your business’s financial health and creditworthiness. This makes them a viable choice for many businesses seeking fast, unsecured financing solutions. Bank of America Bank of America presents a solid option for businesses seeking unsecured loans, with competitive interest rates starting at 8.50%. You can borrow between $10,000 and $200,000, which gives you flexibility depending on your business needs. To qualify, you’ll need a personal credit score of at least 700 and a minimum of two years in operation. Furthermore, your business must generate a minimum annual revenue of $100,000 to be eligible for these loans. The loan terms range from 12 to 60 months, allowing you to select a repayment period that fits your financial situation. Bank of America likewise offers the Preferred Rewards for Business program, which provides various benefits without monthly maintenance fees on business accounts. This could be an attractive option if you’re looking to strengthen your business’s financial health. Wells Fargo Business Wells Fargo Business provides unsecured lines of credit up to $150,000, catering to various business needs. To qualify, you’ll need a personal credit score of at least 680, and even newer businesses with less than two years of operation can apply. Interest rates range from 10.00% to 18.00%, depending on your credit profile, making it crucial to understand both the loan features and eligibility requirements before you proceed. Loan Features Overview When exploring financing options, it’s essential to understand the features offered by various lenders. Wells Fargo Business provides unsecured lines of credit up to $150,000, accommodating diverse business needs. You’ll find flexible funding terms ranging from 3 to 24 months, enhancing your repayment options. Nevertheless, keep in mind that a personal credit score of at least 680 is required, which is higher than some competitors. Wells Fargo specializes in customizing loan options for businesses with good-to-excellent credit, improving your chances of approval. Furthermore, their offerings include a mix of SBA loans, which can be beneficial for those seeking longer-term financing at potentially lower interest rates. Feature Details Benefits Maximum Amount $150,000 Suitable for various needs Funding Terms 3 to 24 months Flexible repayment options Credit Score Requirement Minimum 680 Higher approval chances Customized Options For good-to-excellent credit Tailored solutions SBA Loans Available Longer-term financing options Eligibility Requirements Explained To secure an unsecured business loan with Wells Fargo, you’ll need to meet several eligibility requirements customized to guarantee responsible lending. First, a minimum personal credit score of 680 is necessary to qualify. If you’re a newer business, you’ll be pleased to know that you can still qualify for a line of credit even with less than two years in operation. Nevertheless, specific requirements for their SBA loans aren’t publicly disclosed and may vary depending on your situation. Wells Fargo offers unsecured lines of credit with a maximum loan amount of $150,000, making it a practical option for many small businesses. With a 4.2-star rating from Bankrate, Wells Fargo is recognized as a reliable lender for unsecured financing. SMB Compass SMB Compass stands out as a versatile lender in the unsecured business loan market, offering a range of financing solutions customized to meet various business needs. You can choose from multiple loan options, including term loans and lines of credit, with amounts reaching up to $5 million. With a Bankrate score of 4.6, SMB Compass has established a strong reputation among borrowers, making it a reliable choice. Interest rates start at 7.99%, providing competitive rates for businesses seeking unsecured funding. If you need funds quickly, you may benefit from same-day funding options available for eligible borrowers. Additionally, SMB Compass emphasizes flexible repayment solutions, including interest-only payment options, which can accommodate your business’s cash flow requirements. This flexibility allows you to tailor your repayment plan according to your specific financial situation, making SMB Compass a practical option for various business financing needs. Bluevine Bluevine provides businesses with a flexible line of credit option, allowing you to access up to $250,000 with competitive interest rates starting at 7.80%. One of the advantages of Bluevine is that there are no monthly fees for keeping your line of credit open, making it a cost-effective choice for managing cash flow. You can receive approval for funding within 24 hours, providing quick access to capital when you need it most. To qualify for Bluevine’s line of credit, you’ll need a personal credit score of at least 625 for a six-month term or 700 for a twelve-month term. Furthermore, Bluevine requires a minimum annual revenue of $100,000, ensuring that borrowers have a stable income source. This combination of quick funding, competitive rates, and no monthly fees makes Bluevine an appealing option for many businesses seeking financial flexibility. Fora Financial Fora Financial stands out as a reliable option for businesses seeking unsecured loans, offering amounts ranging from $5,000 to $500,000. With a minimum credit score requirement of 570, it caters primarily to small and mid-sized businesses. You’ll find flexible repayment terms ranging from 4 to 18 months, allowing you to choose a plan that suits your cash flow. One of the most appealing features is the quick access to funding; approvals are typically granted within 24 hours, and you may receive funds in just a few days. Furthermore, Fora Financial streamlines the application process, requiring minimal documentation, which improves efficiency for busy business owners. Whether you need working capital or funding for expansion, Fora Financial provides customized financial solutions that align with your unique business needs. This makes it a practical choice for entrepreneurs looking for swift and accessible financial support. Frequently Asked Questions Are SBA 7A Loans Unsecured? SBA 7(a) loans aren’t typically classified as unsecured, as they often require collateral. Nevertheless, in certain cases, you might secure one without personal collateral, depending on your creditworthiness and business financials. The SBA guarantees part of the loan, which can lead to better terms. Maximum loan amounts reach $5 million, with repayment terms ranging from 7 to 25 years. Meeting eligibility criteria, including a minimum credit score, is essential for approval. What Is the Biggest Unsecured Loan I Can Get? The biggest unsecured loan you can get often depends on your business type and financial health. Established businesses might secure loans up to $10 million, whereas startups typically see limits around $100,000. If you’re a woman or minority entrepreneur, specific programs may offer up to $250,000. Furthermore, some lenders provide options for those with bad credit, potentially reaching $1.5 million, but terms and rates will vary greatly based on your creditworthiness. What Is the Monthly Payment on a $50,000 Business Loan? The monthly payment on a $50,000 business loan varies greatly based on the interest rate and term length. For instance, at a 10% interest rate over five years, you’d pay around $1,061 monthly. Yet, if the rate jumps to 20%, that payment could increase to about $1,320. Shorter terms or higher rates, like 35.90%, could push your payments above $4,200 monthly. Always use loan calculators to estimate payments accurately and consider additional fees. Is It Hard to Get an Unsecured Business Loan? Yes, it can be hard to get an unsecured business loan. Lenders often have strict eligibility criteria, like minimum credit scores and business history. For instance, some require a score of at least 625, whereas others might accept lower scores. Without collateral, you might face higher interest rates and smaller loan amounts. To improve your chances, make certain you have a strong financial profile, including consistent revenue and a solid credit history. Conclusion In summary, exploring your options among these top seven unsecured business loan lenders can lead you to the right financial solution for your needs. Each lender, from Fundbox to Fora Financial, offers distinct products customized for various business scenarios, such as working capital or expansion. By carefully evaluating interest rates, approval criteria, and loan amounts, you can make an informed decision that aligns with your financial goals. Take the time to research and choose the lender that fits your business best. Image via Google Gemini and ArtSmart This article, "Consider These Top 7 Unsecured Business Loan Lenders" was first published on Small Business Trends View the full article