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Përditësimi: 23 min 57 sek më parë

Fannie Mae, Freddie Mac Ordered To Consider Crypto As an Asset When Buying Mortgages

1 orë 4 min më parë
An anonymous reader quotes a report from the Associated Press: The head of the federal government agency that oversees Fannie Mae and Freddie Mac wants the mortgage giants to consider accepting a homebuyer's cryptocurrency holdings in their criteria for buying mortgages from banks. William Pulte, director of the Federal Housing Finance Agency, which oversees Fannie and Freddie, ordered the agencies Wednesday to prepare a proposal for consideration of crypto as an asset for reserves when they assess risks in single-family home loans. Pulte also instructed the agencies that their mortgage risk assessments should not require cryptocurrency assets to be converted to U.S. dollars. And only crypto assets that "can be evidenced and stored on a U.S.-regulated centralized exchange subject to all applicable laws" are to be considered by the agencies in their proposal, Pulte wrote in a written order, effective immediately. Pulte was sworn in as the head of FHFA in March. Public records show that as of January 2025, Pulte's spouse owned between $500,000 and $1 million of bitcoin and a similar amount of Solana's SOL token. [...] The policy change is meant to encourage banks to expand how they gauge borrowers' creditworthiness, in hopes that more aspiring homebuyers can qualify for a home loan. It also recognizes that cryptocurrencies have grown in popularity as an alternative to traditional investments, such as bonds and stocks. The agencies have to come up with their proposals "as soon as reasonably practical," according to the order. "This is a big win for advocates of cryptocurrencies who want crypto to be treated the same way as other assets are," said Daryl Fairweather, chief economist at Redfin. Currently, stock investments are treated as qualifying assets that count toward reserves that banks want borrowers to have. But assets that are more volatile, like individual stocks or crypto, may be discounted by lenders, Fairweather noted. "As long as lenders are appropriately discounting crypto based on volatility, it's fine that crypto investments count toward reserves," she said. Danielle Hale, chief economist at Realtor.com, added: "If Fannie and Freddie are going to accept cryptocurrency as collateral, that's a strong incentive for banks to shift their practices. Because people who might otherwise have to sell cryptocurrency to qualify -- and maybe that's a deal-breaker for them now -- under this new policy, they can qualify. It sort of expands the potential pool of eligible buyers."

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New Datacenter In Italy Captures Heat Waste

4 orë 4 min më parë
Italian utility A2A and French tech firm Qarnot have launched a data center in Brescia, Italy, that captures waste heat from servers and redirects it to a local district heating system. "The Brescia project is expected to meet the heating needs of more than 1,350 apartments and cut carbon dioxide emissions by 3,500 tons annually -- equivalent to the absorption capacity of over 22,000 trees," reports Reuters. From the report: "The rapid spread of data centers and the growing electrification of consumption require major investments in power grids. But data centers also offer a remarkable opportunity for cities with district heating networks," A2A CEO Renato Mazzoncini said at the inauguration. "In (the Italian region of) Lombardy alone, with projects already in the pipeline, we estimate that 150,000 apartments could be heated this way," Mazzoncini added.

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James Webb Space Telescope Discovers Its First Exoplanet

7 orë 4 min më parë
The James Webb Space Telescope has discovered its first new exoplanet, TWA 7b -- a young, low-mass planet about 100 times the mass of Earth, making it the lightest planet ever directly imaged beyond the solar system. Space.com reports: TWA 7b was discovered in the debris rings that surround the low-mass star CE Antilae, also known as TWA 7, located around 111 light-years from Earth. CE Antilae is a very young star, estimated to be around just a few million years old. If that seems ancient, consider the sun, a "middle-aged" star, is around 4.6 billion years old. [...] The disk of CE Antilae is divided into three distinct rings, one of which is narrow and bounded by two empty "lanes" mostly devoid of matter. When imaging this ring, the JWST spotted an infrared-emitting source, which the team of astronomers determined is most likely a young exoplanet. They then used simulations that confirmed the formation of a thin ring and a "hole" exactly where this planet is positioned, corresponding to JWST observations. The research has been published in the journal Nature.

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Swarms of Tiny Nose Robots Could Clear Infected Sinuses, Researchers Say

10 orë 34 min më parë
An anonymous reader quotes a report from The Guardian: Swarms of tiny robots, each no larger than a speck of dust, could be deployed to cure stubborn infected sinuses before being blown out through the nose into a tissue, researchers have claimed. The micro-robots are a fraction of the width of a human hair and have been inserted successfully into animal sinuses in pre-clinical trials by researchers at universities in China and Hong Kong. Swarms are injected into the sinus cavity via a duct threaded through the nostril and guided to their target by electromagnetism, where they can be made to heat up and catalyze chemical reactions to wipe out bacterial infections. There are hopes the precisely targeted technology could eventually reduce reliance on antibiotics and other generalized medicines. [...] The latest breakthrough, based on animal rather than human trials, involves magnetic particles "doped" with copper atoms which clinicians insert with a catheter before guiding to their target under a magnetic field. The swarms can be heated up by reacting to light from an optical fibre that is also inserted into the body as part of the therapy. This allows the micro-robots to loosen up and penetrate viscous pus that forms a barrier to the infection site. The light source also prompts the micro-robots to disrupt bacterial cell walls and release reactive oxygen species that kill the bacteria. The study, published in Nature Robotics, showed the robots were capable of eradicating bacteria from pig sinuses and could clear infections in live rabbits with "no obvious tissue damage." The researchers have produced a model of how the technology could work on a human being, with the robot swarms being deployed in operating theatre conditions, allowing doctors to see their progress by using X-rays. Future applications could include tackling bacterial infections of the respiratory tract, stomach, intestine, bladder and urethra, they suggested. "Our proposed micro-robotic therapeutic platform offers the advantages of non-invasiveness, minimal resistance, and drug-free intervention," they said.

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Meta Beats Copyright Suit From Authors Over AI Training on Books

12 orë 34 min më parë
An anonymous reader shares a report: Meta escaped a first-of-its-kind copyright lawsuit from a group of authors who alleged the tech giant hoovered up millions of copyrighted books without permission to train its generative AI model called Llama. San Francisco federal Judge Vince Chhabria ruled Wednesday that Meta's decision to use the books for training is protected under copyright law's fair use defense, but he cautioned that his opinion is more a reflection on the authors' failure to litigate the case effectively. "This ruling does not stand for the proposition that Meta's use of copyrighted materials to train its language models is lawful," Chhabria said.

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Microsoft Sued By Authors Over Use of Books in AI Training

13 orë 14 min më parë
Microsoft has been hit with a lawsuit by a group of authors who claim the company used their books without permission to train its Megatron artificial intelligence model. From a report: Kai Bird, Jia Tolentino, Daniel Okrent and several others alleged that Microsoft used pirated digital versions of their books to teach its AI to respond to human prompts. Their lawsuit, filed in New York federal court on Tuesday, is one of several high-stakes cases brought by authors, news outlets and other copyright holders against tech companies including Meta Platforms, Anthropic and Microsoft-backed OpenAI over alleged misuse of their material in AI training. [...] The writers alleged in the complaint that Microsoft used a collection of nearly 200,000 pirated books to train Megatron, an algorithm that gives text responses to user prompts.

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Aaron Sorkin's The Social Network Sequel Officially in Development

13 orë 54 min më parë
Aaron Sorkin is officially working on a sequel to The Social Network. From a report: Last year, the Oscar-winning writer revealed he was working on a film that would revisit the subject of Facebook, and Deadline has now reported that The Social Network Part II is in development at Sony Pictures yet isn't a "straight sequel." The original film, which traced the early days of Facebook and its creator Mark Zuckerberg, was directed by David Fincher. Sorkin is rumoured to be directing the follow-up. "I blame Facebook for January 6," he said in 2024 on a special edition of The Town podcast, live from Washington DC. When asked to explain why, he responded: "You're gonna need to buy a movie ticket." The Social Network was an adaptation of Ben Mezrich's book The Accidental Billionaires, and the sequel will be based on the Wall Street Journal series The Facebook Files. The 2021 investigation examined the damage caused by the social networking site and how internal findings had been buried. Subjects included the influence on the January 6 riot and the mental health of teenage users.

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US Senators Push For American Version of EU's Digital Markets Act

14 orë 34 min më parë
U.S. lawmakers have reintroduced the bipartisan Open App Markets Act, aiming to curb Apple and Google's control over mobile app stores by promoting competition, supporting third-party marketplaces and sideloading, and safeguarding developer rights. AppleInsider reports: The Open App Markets Act seeks to do a number of things, including: - Protect developers' rights to tell consumers about lower prices and offer competitive pricing; - Protect sideloading of apps; - Promote competition by opening the market to third-party app stores, startup apps, and alternative payment systems; - Make it possible for developers to offer new experiences that take advantage of consumer device features; - Give consumers greater control over their devices; - Prevent app stores from disadvantaging developers; and - Establish safeguards to preserve consumer privacy, security, and safety. This isn't the first time we've seen this bill, either. In 2021, Senators Blumenthal, Klobuchar, and Blackburn had attempted to put forth the original version of the Open App Markets Act.However, the initial bill never made it to the floor for an office vote. Thanks to last-minute efforts by lobbying groups and appearances from chief executives, the bill eventually stalled out. While the two bills are largely similar, the revised version introduces several key differences. Notably, the new version includes new carve-outs aimed at protecting intellectual property and addressing potential national security concerns.There's also a new clause that would prohibit punitive actions against developers for enabling remote access to other apps. The clause addition harkens back to the debacle between Apple and most game streaming services -- though in 2024, Apple loosened its App Store guidelines to allow cloud gaming and emulation. There are a few new platform-protective clauses added, too. For instance, it would significantly lower the burden of proof for either Apple or Google to block platform access to a third-party app.Additionally, it reinforces the fact that companies like Apple or Google will not need to provide support or refunds for third-party apps installed outside of first-party app marketplaces. The full bill can be found here.

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Psylo Browser Obscures Digital Fingerprints By Giving Every Tab Its Own IP Address

15 orë 14 min më parë
Psylo, a new privacy-focused iOS browser by Mysk, aims to defeat digital fingerprinting by isolating each browser tab with its own IP address, unique fingerprinting defenses, and proxy-based encryption. "Psylo stands out as it is the only WebKit-based iOS browser that truly isolates tabs," Tommy Mysk told The Register. "It's not only about separate storage and cookies. Psylo goes beyond that." "This is why we call tabs 'silos.' It applies unique anti-fingerprinting measures per silo, such as canvas randomization. This way two Psylo tabs opening the same website would appear as though they originated on two different devices to the opened website." From the report: The company claims Psylo therefore offers better privacy than a VPN because the virtual networks mask the user's IP address but generally don't alter the data used for fingerprinting. Psylo, for example, will adjust the browser's time zone and browser language to match the geolocation of each proxy, resulting in more entropy that means fingerprints created by gathering data from silos will appear to be different. The Mysk devs' post states that some privacy-focused browsers like Brave also implement anti-fingerprinting measures like canvas randomization, but those are more effective on the desktop macOS app due to Apple's iOS restrictions. They claim that they were able to achieve better results on iOS by using a client-side JavaScript solution. Mysk designed Psylo to minimize the information available to its maker. It doesn't log personally identifiable information or browsing data that the curious could use to identify the user, the company claims, noting that it also doesn't have customer payment information, which is handled by Apple. There are no user accounts, only randomized identifiers to indicate active subscriptions. According to Tommy Mysk, the only subscriber data kept is bandwidth usage, which is necessary to prevent abuse. "We aggregate bandwidth usage based on a randomly generated ID that is created when a subscription is made," Mysk said. "The randomly generated ID is associated with the Apple subscription transaction. Apple doesn't share the identity of users making App Store purchases with developers." Asked whether Apple could identify users, Mysk said, "Theoretically and given a court order, Apple can figure out the randomly generated ID of the user in question. If we were to hand out the data associated with the randomly generated ID, it would only be the bandwidth usage of that user in the current month, and two months in the past. Older data is automatically deleted. "We don't associate any identifiable information with the randomly generated ID. We don't store IP addresses at all in every component of our system. We don't store websites visited by our users at all." The browser is only available on iOS and iPadOS, but Mysk says an Android version could be developed if there's enough interest. It costs $9.99 per month or $99 per year in the U.S.

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Bazzite Would Shut Down If Fedora Goes Ahead With Removing 32-Bit

15 orë 54 min më parë
If Fedora drops 32-bit support, the gaming-focused Bazzite project would be forced to shut down, according to its founder Kyle Gospodnetich. "As much as I'd like this change to happen, it's too soon," said Gospodneitch in a post. "This change would kill off projects like Bazzite entirely right as Fedora is starting to make major headway in the gaming space. Neal Gompa already pointed out basic use cases that would be broken even if someone built the packages Steam itself needs to function." He continued: "It's also causing irreparable damage to Fedora from a PR standpoint. I have been inundated all day with people sharing news articles and being genuinely concerned Steam is gong to stop working on their Fedora/Bazzite machines. I would argue not only should this change be rejected, the proposal should be rescinded to limit further damage to Fedora as a project. Perhaps open a separate one to talk about changing build architecture to build fewer 32-bit packages?" When pushed further, Gospodnetich said: "I'm speaking as it's founder, if this change is actually made as it is written the best option for us is to just go ahead and disband the project."

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Games Run Faster On SteamOS Than Windows 11, Ars Testing Finds

Mër, 25/06/2025 - 11:30md
An anonymous reader quotes a report from Ars Technica: Nearly a decade ago, Ars testing found that Valve's "Steam Machines"-era version of SteamOS performed significantly worse than Windows when SteamOS's Linux game ports were tested on the same hardware as their Windows counterparts. Today, though, Ars testing on the Lenovo Legion Go S finds recent games generally run at higher frame rates on SteamOS 3.7 than on Windows 11. [...] As you can see in the included charts, SteamOS showed noticeable frame rate improvements in four of the five games tested. Only Borderlands 3 showed comparable performance across both operating systems, with Windows eking out ever-so-slightly higher frame rates in that game's benchmarks. For the other four tested games, the stock Lenovo Windows drivers were sometimes significantly worse than those included with SteamOS. When playing Returnal at "High" graphics presets and 1920x1200 resolution, for instance, changing from Lenovo's Windows drivers to SteamOS meant the difference between a hard-to-take 18 FPS average and a downright decent 33 FPS average. Sideloading the updated Asus drivers showed a noticeable improvement in Windows performance across all tested games and even brought Homeworld 3's "Low" graphics benchmark test to practical parity with SteamOS. In all other cases, though, even these updated drivers resulted in benchmark frame rates anywhere from 8 percent to 36 percent lower than those same benchmarks on SteamOS. These results might seem a bit counterintuitive, considering that games running on SteamOS must go through a Proton translation layer for every native Windows instruction in a game's code. But Valve has put in consistent work over the years to make Proton as efficient and cross-compatible as possible; not to mention its continued work on Linux's Mesa graphics drivers seems to be paying dividends for SteamOS graphics performance. Running SteamOS also means eliminating a lot of operating system overhead that the more generalist Windows uses by default. Microsoft seems aware of this issue for gamers and has recently announced that the upcoming "Xbox Experience for Handheld" will "minimize background activity and defer non-essential tasks" to allow for "more [and] higher framerates" in games.

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Overfishing Has Caused Cod To Halve in Body Size Since 1990s, Study Finds

Mër, 25/06/2025 - 10:50md
Overfishing has led to a collapse in the eastern Baltic cod population, but over the past three decades the size of the fish themselves has also been dramatically and mysteriously shrinking. From a report: Now scientists have uncovered genomic evidence that intensive fishing has driven rapid evolutionary changes that have contributed to these fish roughly halving in average body length since the 1990s. The "shrinking" of cod, from a median mature body length of 40cm in 1996 to 20cm in 2019, has a genetic basis and human activities have left a profound mark on the population's DNA, the study concluded. [...] The dramatic shrinking of cod has been a source of concern for several decades, but it was not clear to what extent the phenomenon has been driven by environmental factors such as hypoxic conditions caused by algal blooms, pollution and more extreme marine seasonal temperature changes. [...] The study used an archive of tiny ear bones, called otoliths, of 152 cod, caught in the Bornholm Basin between 1996 and 2019. Otoliths -- a bit like tree rings -- record annual growth, making them valuable biological timekeepers.

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Mozilla Formally Discontinues Its DeepSpeech Project

Mër, 25/06/2025 - 10:10md
An anonymous reader shares a report: One of the interesting projects engaged in by Mozilla that directly wasn't related to their web browser efforts was DeepSpeech, an embedded/offline speech-to-text engine. To not much surprise given the lack of activity in recent years, last week they finally and formally discontinued the open-source project. Mozilla DeepSpeech was a promising speech-to-text engine with great performance for real-time communication even when running on Raspberry Pi SBCs and other low-power systems.

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Bernie Sanders Says If AI Makes Us So Productive, We Should Get a 4-Day Work Week

Mër, 25/06/2025 - 9:30md
Senator Bernie Sanders called for a four-day work week during a recent interview with podcaster Joe Rogan, arguing that AI productivity gains should benefit workers rather than just technology companies and corporate executives. Sanders proposed reducing the standard work week to 32 hours when AI tools increase worker productivity, rather than eliminating jobs entirely. "Technology is gonna work to improve us, not just the people who own the technology and the CEOs of large corporations," Sanders said. "You are a worker, your productivity is increasing because we give you AI, right? Instead of throwing you out on the street, I'm gonna reduce your work week to 32 hours."

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Lyon Abandons Microsoft Office To Strengthen 'Digital Sovereignty'

Mër, 25/06/2025 - 8:50md
The City of Lyon will replace Microsoft's office suite with free office software, including OnlyOffice for office work and Linux and PostgreSQL for systems and databases. The city aims to "no longer be dependent on American software solutions and acquire true digital sovereignty," according to an official statement.

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Anthropic, OpenAI and Others Discover AI Models Give Answers That Contradict Their Own Reasoning

Mar, 24/06/2025 - 4:00md
Leading AI companies including Anthropic, Google, OpenAI and Elon Musk's xAI are discovering significant inconsistencies in how their AI reasoning models operate, according to company researchers. The companies have deployed "chain-of-thought" techniques that ask AI models to solve problems step-by-step while showing their reasoning process, but are finding examples of "misbehaviour" where chatbots provide final responses that contradict their displayed reasoning. METR, a non-profit research group, identified an instance where Anthropic's Claude chatbot disagreed with a coding technique in its chain-of-thought but ultimately recommended it as "elegant." OpenAI research found that when models were trained to hide unwanted thoughts, they would conceal misbehaviour from users while continuing problematic actions, such as cheating on software engineering tests by accessing forbidden databases.

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Ford Plows Ahead On EV Battery Factory Amid Political Storm

Mar, 24/06/2025 - 12:00md
Ford is moving forward with its $3 billion EV battery plant in Michigan despite political pushback and the potential loss of key U.S. tax credits that make the project financially viable. Axios reports: Ford's argument is that by building batteries using technology licensed from China's leading battery producer, CATL, it is helping to re-shore important manufacturing expertise that was long ago ceded to China. [...] "LFP batteries are produced all around Europe, and the rest of the world," said Lisa Drake, Ford's vice president of technology platform programs and EV systems. "How can we compete if we don't have this technology? Somebody has to take the lead to do this," she said, adding that it will lead to homegrown innovation and the seeding of a domestic supply base. "I'm convinced this is the right thing to do for the United States," she said. Drake said the tax subsidies are even more important in the face of slower-than-expected EV demand. "When EV adoption slowed, it just became a huge headwind," she said. "The [production tax credit] allows us to keep on this path, and to keep going." "We don't want to back off on scaling, hiring or training in an industry we need to be competitive in the future," she said. "It would be a shame to build these facilities and then have to scale back on the most important part of it, which is the people. These are 1,700 jobs. They don't come along very often." Consumer tax credits for EV purchases get the most attention, but for manufacturers, the far more lucrative incentives come in the form of production tax credits. Companies could receive a tax credit of $35 per kilowatt-hour for each U.S.-made cell, and another $10 per kilowatt-hour for each battery pack. With an annual production capacity of 20 GWh, Ford's battery plant could potentially receive a $900 million tax credit, offsetting almost one-third of its investment. [...] The Republican-controlled Senate could vote as early as Wednesday on a budget bill that would rewrite language around EV tax credits. A House version of the bill passed last month effectively killed the production tax credits for manufacturers by severely tightening the eligibility requirements. It also specifically prohibited credits for batteries made in the U.S. under a Chinese licensing agreement -- a direct hit on Ford.

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Goldman Sachs Launches AI Assistant Firmwide, With 10,000 Employees Already Using It

Mar, 24/06/2025 - 9:00pd
Goldman Sachs has officially rolled out a generative AI assistant across the company to enhance productivity, with around 10,000 employees already using it for tasks like summarizing documents and data analysis. Reuters reports: With the AI tool's official company-wide launch, Goldman joins a long list of big banks already leveraging the technology to shape their operations in a targeted manner and help employees in day-to-day tasks. [...] The GS AI assistant will help Goldman employees in "summarizing complex documents and drafting initial content to performing data analysis," according to the internal memo. "While the official line is that AI frees up employees for 'higher-value work,' the real-world consequence is a reduced need for human labor," notes Gizmodo in their reporting. A banker told Gizmodo that because their AI system now processes 85% of all client responses for margin calls, "the operations team avoided hiring 30 new people." Gizmodo asks pointedly: "If one AI tool is replacing the need for 30 back-office staff in one corner of one bank, what happens when the entire industry scales that up?"

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China Smashes Solar Installation Record In May

Mar, 24/06/2025 - 5:30pd
An anonymous reader quotes a report from OilPrice.com: China installed its highest solar power capacity for a single month in May, according to official data, which showed mind-boggling figures that the country installed more solar capacity in a month than any other nation did for the entire 2024. With 93 gigawatts (GW) of solar capacity installed in May, China smashed its own record of 71 GW in December 2024, per data from the National Energy Administration cited by Bloomberg. China's solar capacity additions in May were rushed ahead of a new government policy -- effective June 1 -- to remove pricing protection for solar power projects. Under these protections, solar projects had all but guaranteed profits when they start operations. Another new rule, effective May 1, made connecting rooftop panels to the grid more difficult. These new policies are expected to moderate the growth in solar power additions this summer, analysts say. A separate report notes that China's cumulative installed solar capacity has surpassed 1 TW, according to the National Energy Administration (NEA). "By the end of May 2025, solar capacity had reached 1.08 TW (1,080 GW), up 56.9% year on year," reports pv magazine. "NEA data show total power generation capacity stood at 3.61 TW at the end of May, an 18.8% increase from a year earlier."

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Xbox App For PC Now Integrates Your Steam Games

Mar, 24/06/2025 - 3:25pd
Microsoft is turning the Xbox App on PC into a universal game launcher by integrating libraries from multiple storefronts like Steam. The feature is currently limited to those in the Xbox Insider program. From the announcement: With the aggregated gaming library, players can conveniently launch games from Xbox, Game Pass, Battle.net and other leading PC storefronts from a single library within the Xbox PC app. Whether you're on a Windows PC or a handheld device, your Xbox library, hundreds of Game Pass titles, and all your installed games from leading PC storefronts will now be at your fingertips. When a player installs a game from a supported PC storefront, it will automatically appear in "My library" within the Xbox PC app, as well as the "Most recent" list of titles in the sidebar -- making it easier than ever to jump back into your games. And this is just the beginning. We'll continue rolling out support for additional PC storefronts over time.

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