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Online betting is more accessible than ever, with 14% of U.S. adults saying they bet on professional or college sports online either frequently or occasionally, according to a February poll by The Associated Press-NORC Center for Public Affairs Research. It’s also in the news, with a growing list of sports betting scandals making headlines.Public health advocates and personal finance advisers say it’s important to know the risks if you’re going to gamble online.“Gambling and ‘responsibly’ seem to be oxymoronic, because if you’re gambling it’s all about risk,” said Caleb Silver, editor in chief of personal finance site Investopedia. “But people still do it. Online gambling and sports betting are only becoming more popular.”Since the Supreme Court struck down a ban on sports betting in 2018, 38 states and Washington, D.C., have legalized gambling, according to the American Gaming Association.For those new to online gambling, it can be helpful to set limits in advance on how much you’re willing to lose and how much time you’re willing to spend. Many of the platforms and apps that offer gambling, such as FanDuel and DraftKings, include optional safeguards to limit time or losses. Other apps can block access to the platforms for set amounts of time.Here’s what to know: Online gambling can be riskier than gambling in person The potential losses of digital betting can occur more quickly than in a physical casino, according to Heather Eshleman, director of operations at the Maryland Center for Excellence on Problem Gambling, since people can bet so much so easily and quickly on the internet or apps, with less friction.The new prevalence of prediction markets, such as PredictIt and Kalshi, has also created new opportunities to place wagers online on everything from election outcomes to celebrity news to the weather. How to tell if you have a problem with online gambling According to public health advocates, the biggest warning sign of a problem is if you’re devoting time to online betting that’s taking away from other things in your life especially your relationships with friends, family, and work. If you’re spending money on gambling that could instead go towards unmet basic needs, that’s also a warning sign.“We encourage people to only use money they would use for fun and entertainment, not money that should be used to pay the mortgage or the rent or to pay for food,” said Eshleman.Silver echoed this.“You have to know before you do it how much you can afford to lose,” he said. “What is your ‘tap out point?’ Those rules have to be firmly established.” Ways to limit online gambling Most sports betting platforms offer “responsible gambling tools,” according to Eshleman.“You can set limits on time, money, deposits, wins, and losses,” she said. “The goal is to set those limits before you start, because if you don’t set them in advance, they’re not really going to work for you. Once you’re into the excitement of it, you’re not going to stop and use those tools.”Eshleman recommends apps such as GambBan and BetBlocker, which limit access to gambling sites externally. She also directs those who suspect they may have a problem to use the 1-800-GAMBLER hotline or contact Gamblers Anonymous. Know the risks and downsides Silver, the head of Investopedia, said he started adding definitions of online betting and gambling terms to the personal finance site when he saw an increasingly “closer connection between sports betting, day trading, options trading, and cryptocurrency trading.” He encourages those who are interested in digital betting to make sure they know what they’re getting into.“Before anyone even gets an online (gambling) account, they should be required to know the fundamental terms and rules about the way sports betting works,” he said. “What’s the ‘money line’ or ‘parlay?’ How do odds work? What is the maximum I could lose on this bet?”The other thing to do is to “play with no expectation of a return,” he said. “The likelihood is that you will lose. So, if you’re willing to lose, how much are you willing to lose?”Cory Fox, senior vice president of public policy and sustainability at FanDuel, who handles the site’s responsible gambling initiatives, compares using the safeguards to wearing a seatbelt when driving in a car and said FanDuel is committed to setting standards for being a responsible operator in the online gambling space.Lori Kalani, chief responsible gaming officer at DraftKings, said the site is committed to the same goal and compared using the limit-setting tools to taking Ubers instead of driving on a night when you know you’ll be drinking.Fox added that responsible gambling tools are important to help allow FanDuel to maintain its social license. He said that it’s in the interest of the site to make sure its users can be on the site and play for a long time to come. Make sure it’s not a coping mechanism “If you’re taking care of your mental health, you’re less likely to have a problem with gambling,” Eshleman said.Rather than turning to the thrill of placing online bets, Eshleman encourages people to find positive ways to cope with stress listening to music, taking walks, getting more sleep and exercise, and spending more time socializing. Social gambling is safer than hidden, private gambling, she said.“If you’re doing it alone, that’s a red flag that it’s not an activity that’s healthy for you,” said Eshleman. “It all ties in to our basic wellness. I think if people focus on wellness, it will prevent a lot of gambling.” The Associated Press receives support from the Charles Schwab Foundation for educational and explanatory reporting to improve financial literacy. The independent foundation is separate from Charles Schwab and Co. Inc. The AP is solely responsible for its journalism. Cora Lewis, Associated Press
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E-Commerce
Americans have long ogled the rich, but the countrys widening wealth gapand the billionaires fueling ithave been facing growing scrutiny. The news that Elon Musk is on track to be the worlds first trillionaire came the same week that a judge ordered the Trump administration to fully fund food stamps, as 42 million Americans were left without the benefits they need to buy food. (The Trump administration appealed that ruling.) New York City Mayor-elect Zohran Mamdani, a Democratic Socialist, made national headlines throughout his campaign for highlighting the affordability crisis in the city. Mamdani received support from figures like former labor secretary Robert Reich and Senator Bernie Sanders of Vermont, who have frequently criticized billionaires. Even singer Billie Eilish called out the ultra wealthy recently. If youre a billionaire, why are you a billionaire? she said while announcing an $11.5 million donation (about 23% of her net worth), before urging billionaires to give away their money. A new Harris Poll shared exclusively with Fast Company highlights how everyday Americans are paying more attention to this inequalityand how they oscillate between admiring and admonishing the wealthy. An economic system that works best for the rich In the Americans & Billionaires survey, now in its third year, only 28% of respondents said that the current U.S. economic system works well for most people. Instead, 35% said it prioritizes the ultra wealthy, and 36% said it offers opportunitybut not equally. Nearly three-quarters of Americans say wealth inequality is a serious national issue. Americans are also directly blaming billionaires for the financial struggles they face. Sixty-seven percent said billionaires are creating more of an unfair society, an eight-point increase from the 2024 survey. That sentiment was also higher among Gen Z and millennials, 72% of whom agreed with the statement compared to 62% of Gen X and baby boomers. Fifty-five percent of Americans said that billionaires make it harder to achieve my American dream; for Gen Z and millennials, the share was 65%. And theyre also generally over seeing extreme wealth on display: 74% of respondents say that billionaires are over-celebrated in U.S. culture. ‘The era of the untouchable billionaire is over’ When calling out inequality, people often point to the ways billionaires could help the rest of the world. Mamdani ran in part on taxing the wealthy in order to pay for free childcare and buses; others have noted how taxing the rich could fund universal healthcare, end world hunger, and address climate change. Americans broadly believe that the more wealth someone has, the more responsibility they have to the world, the Harris Poll found. Seventy-two percent of Americans agreed that billionaires have an ethical responsibility” to address the worlds humanitarian crisesup four points from the year priorand 69% said billionaires have a responsibility to better society, and should give back. Across all age groups, Harris Poll saw an increase in the percent of Americans who want a limit on wealth accumulation, compared to 2024. The era of the untouchable billionaire is over, Libby Rodney, chief strategy officer and futurist at The Harris Poll, says in a statement. Americans want wealth to work harder, for society, not just for shareholders. Still, they dont seem to have much hope that billionaires will do so; 76% of respondents agreed with the statement that billionaires are more concerned about protecting themselves than helping others. One area billionaires are wading into, though, is politics. Billionaires like Bill Ackman spent millions opposing Mamdanis race for mayor, and Musk notoriously enmeshed himself in the federal government this year. Americans are growing wary of that trend: 7 in 10 wish billionaires played a smaller role in U.S. politics. Americans want wealth for security These sentiments toward the rich dont completely preclude people from wanting to join their ranks. Even though 76% of Americans admit that billionaires benefit from a broken system, six in ten still said that they want to become a billionaire one day. But its also clear that Americans aspire to wealth because it seems like one of the only ways to survive our continuous, mounting economic shocks. Two-thirds of Gen Z and millennials said that they aspire for extreme wealth not for success, but for security in an increasingly unstable economy. Overall, 52% of Americans agreed with the statement that If I was a billionaire, then all my problems would be solved. Gen Z doesnt want to be billionaires for bragging rights, they want safety in an uncertain economy, Rodney says. Theyre rewriting the rules of ambition, turning wealth into a survival strategy, not a status symbol.
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E-Commerce
Some of my best ideas come to me when Im exercising. At least I think theyre some of my best ideas; by the time I actually get a chance to write them down, Ive often forgotten them. While you could argue that something I was unable to remember for an hour or so cant be that great, still: weve all had things we wanted to remember, but couldnt. So what can you do if you need to remember something important? Most memory-improvement techniqueslike mnemonics, chunking, and building memory palacesinvolve a fair amount of effort. But these simple strategies to improve your short-term memory and recall require almost no effortand very little time. 1. Say it out loud Weve all been around people who repeat things theyre learning out loud. Or just mouth the words. They look a little odd: smart people just file knowledge away. They dont have to talk to themselves. Actually, smart people do talk to themselves. A study published Learning, Memory, and Cognition found that saying words out loudor just mouthing themmakes them more distinctive by separating them from all the other words youre thinking. In short, saying words out loud makes them different. Which makes them more memorable. So go ahead. When you need to remember something, say it aloud. Or mouth it to yourself. Your cerebral cortex will thank you for it. 2. Predict whether you will actually remember Sounds odd, I know. But a study published in the Canadian Journal of Experimental Psychology shows the simple act of asking yourself whether you will remember something significantly improves the odds that you will remember, in some cases by as much as 50%. Thats especially true for remembering things you want to do. Psychologists call them prospective memories: remembering to perform a planned action, or recall a planned intention, at some point in the future. Like remembering to praise an employee, email a customer, or implement a schedule change. Why this works is somewhat unclear. Maybe the act of predicting is a little like testing yourself; research shows that quizzing yourself is an extremely effective way to speed up the learning process. What is clear is that the act helps your hippocampus better form and index those episodic memories for later access. So if you want to remember to do something in the future, take a second and predict whether you will remember. Science says that act alone makes it more likely you will. 3. Rehearse for 40 seconds Memory consolidation is the process of transforming temporary memories into more stable, long-lasting memories. Even though the process of memory consolidation can be sped up, still: Storing a memory in a lasting way takes time. One way to increase the odds is to rehearse whatever you want to remember for 40 seconds. A study published in The Journal of Neuroscience found that a brief period of rehearsallike replaying an event in your mind, going over what someone said in a meeting, or mentally mapping out a series of stepsmakes it significantly more likely that you will remember what you rehearsed. As the researchers write, that brief period of rehearsal has a huge effect on our ability to remember complex, lifelike events over periods of one to two weeks. We have also linked this rehearsal effect to processing in a particular part of the brain: the posterior cingulate. Which should be long enough for you to actually do something with whatever you hope to remember. 4. Close your eyes for 2 minutes A study published in Nature Reviews Psychology found that . . . even two minutes of rest with your eyes closed can improve memory, perhaps to the same degree as a full night of sleep. Psychologists call it offline waking rest. In its purest form, offline waking rest can be closing your eyes and zoning out for a couple of minutes. But offline waking rest can also be daydreaming. Mind-wandering. Meditating. Basically turning your mind off for a minute or two. While mentally disconnecting doesnt sound productive, when it comes to remembering more, it is: without those intermittent periods of lack of focus, memory consolidation doesnt occur nearly as efficiently. So go ahead and zone out for a couple minutes. As the researchers write, Moments of unoccupied rest should be recognized as a critical contributor to human waking cognitive functions rather than a waste of time. Cant beat that.
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E-Commerce
As 2026 takes shape, the most successful leaders will adopt new tools with responsibility and vision while keeping the human side of shopping alive. These 10 tech trends in retail tech and AI are evolving, transforming how brands design, distribute, and deliver experiences. These are not distant forecasts, but happening in real time across retailers, marketplaces, and consumer ecosystems. 1. Predictive intent engines Reactive personalization is being replaced by predictive intent engines. Instead of waiting for a customer to browse, AI anticipates the customer’s next wants based on contextual data like weather, life events, and even local cultural moments. For example, as outdoor searches tick upward in specific regions, retailers surface camping gear. The upside is deeper relevance. As with every trend, there are risks. Here, if the timing is too perfect, the relevance can feel intrusive to the customer. 2. Retail copilots for associates When I talk to retail teams, many describe how AI copilots are becoming the new work partner for associates. In practice, staff use smart glasses and mobile assistants to feed real-time product data, customer history, or upsell suggestions. Frontline employees transform from reactive clerks to proactive advisors. The challenge is keeping interactions authentic. Customers want genuine conversations, not AI scripts delivered through a human face. 3. Algorithmic supply webs The supply chain is no longer a straight line but a web of constantly reconfiguring nodes. Retailers tell me their systems now simulate thousands of scenarios dailyrerouting orders, shifting suppliers, or adjusting transportation paths on the fly. I see this trend especially in grocery and fashion, where volatility is high. Supply webs provide resilience, but also create a transparency challenge. Shoppers and regulators will want to know how these algorithmic choices affect workers and sustainability. 4. Immersive brand layers Immersive storytelling is moving from pilot projects to mainstream adoption. Augmented reality is layered into packaging, storefronts, and mobile apps. One apparel brand I follow lets customers scan a tag to see the products journey from fiber to fashion show. Another uses AR mirrors to project outfit combinations in the store. The brand layers transform shopping into a multimedia experience. The challenge is keeping it purposeful rather than gimmicky. 5. Microfactories near the customer More retailers are experimenting with localized, AI-driven microfactories. These factories can 3D-print fashion accessories, produce limited-run beauty items, or assemble electronics close to demand centers. I recently saw a footwear brand offering near-instant customization at an urban hub, with shoes ready within days. The opportunity is speed and personalization. The challenge is cost. Microfactories remain expensive compared to global mass production. 6. Real-time sustainability scores Retailers are making sustainability metrics visible at the shelf or checkout. Shoppers now see carbon impact scores, packaging grades, or ethical sourcing flags. AI crunches supplier and logistics data to make this possible. One grocer is piloting real-time sustainability dashboards in an app, so shoppers can compare two items not just by price but by footprint. The opportunity is radical transparency. The challenge is to ensure credible numbers and avoid greenwashing in a new format. 7. Autonomous merchandising systems Conversations with merchandising leaders reveal how manual planning cycles are being replaced by AI-driven systems making thousands of small decisions daily. Platforms decide which colors to stock by neighborhood, which SKUs to pull from digital shelves, or how to rotate assortments dynamically. The benefit is responsiveness. The risk involves blind spots: Without human oversight, algorithms can miss cultural nuances or local contexts. 8. Neural commerce platforms Commerce is dissolving into everyday life through connected devices. Smart fridges reorder staples. Cars let drivers voice-order coffee and have it waiting at the next stop. Voice assistants anticipate weekly needs without prompting. Retail is becoming neural, with systems firing across networks without friction. The opportunity is effortless convenience. The challenge is maintaining customer agencyretailers must ensure that shoppers feel in control of purchases instead of letting automation decide entirely. 9. Data collaboratives across competitors Retailers are starting to collaborate on data despite fierce competition. Shared, anonymized pools of information strengthen forecasting, reduce waste, and help optimize logistics. For example, several mid-sized fashion brands are joining forces to track demand signals and cut excess inventory. The opportunity is collective intelligence. The challenge is trustdeciding what to share and how to govern these collaboratives fairly. 10. Leadership as technology stewardship The last trend isn’t a tool but a leadership evolution. Executives are now judged by how they steward technology responsibly. I observe boards asking harder questions: How are algorithms monitored for bias? How is customer privacy respected? How is staff retrained for AI collaboration? There’s an opportunity to build brands trusted as responsible innovators. The challenge is balancing the speed of adoption with careful stewardship in a space where technology is evolving faster than regulation. The future: 2026 and beyond When I put these trends together, the picture is clear: Retail in 2026 is not just using technology, it is becoming technology. Predictive engines anticipate demand, copilots empower staff, immersive layers engage customers, and neural commerce embeds shopping into everyday life. But the deeper story is about responsibility. Customers demand transparency, regulators demand accountability, and employees demand clarity about their role in AI-shaped workplaces. The retailers who win will not be the ones with the flashiest tech but the ones who use it thoughtfully, balancing automation with humanity. A new playbook is emerging that will anticipate needs, empower people, embed transparency, and lead with stewardship. Those who follow it will not just adapt to the future of retail; they will shape it. Charisma Glassman is the group vice president and global head of retail applied advisory at Genpact.
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E-Commerce
On any day during her eight years as First Lady of the United States, Michelle Obama said she could go from giving a speech to meeting with a counterpart from another country to digging in her vegetable garden with groups of schoolchildren.And her clothes had to be ready for that. There was too much else to do, including raising daughters Sasha and Malia, and she said she didn’t have time to obsess over what she was wearing.“I was concerned about, ‘Can I hug somebody in it? Will it get dirty?'” she said Wednesday night during a moderated conversation about her style choices dating back to growing up on the South Side of Chicago to when she found herself in the national spotlight as the first Black woman to serve in the role. “I was the kind of First Lady that there was no telling what I would do.”Obama would become one of the most-watched women in the world, for what she said and did, but also for what she wore. She chronicled her fashion, hair and makeup journey in her newest book, “The Look,” written with her longtime stylist Meredith Koop and published earlier this month.As First Lady, she was well-known for her athleticism and caught a football from an NFL player, played soccer with David Beckham, broke a Guinness World Record for jumping jacks and did pushups with Archbishop Desmond Tutu of South Africa.She wanted her clothes to be welcoming as well as versatile.“The thing about clothes that I find is that they can welcome people in or they can keep people away, and if you’re so put together and so precious and things are so crisp and the pin is so big, you know, it can just tell people, ‘Don’t touch me,'” she said.She said she wouldn’t wear white to events with rope lines in case someone wanted a hug.“I’m not going to push somebody away when they need something from me, and I’m not going to let the clothes get in the way of that,” Obama said.Here’s what she said about a few of her notable fashion choices: Her gown for Obama’s first inauguration The white, one-shoulder chiffon gown was designed by Jason Wu, then an unknown 26-year-old who was born in Taiwan. But when she stepped out at the inaugural ball wearing the gown, the moment changed Wu’s life. And that was by design, she said.“We were beginning to realize everything we did sent a message,” Obama said, speaking of herself and her husband, former President Barack Obama. “So that’s what we were trying to do with the choices we made, to change lives.”She would continue to help launch the careers of other up-and-coming designers by wearing their creations. Chain mail state dinner gown Obama wore the rose gold gown by Versace for the Obama administration’s final state dinner, for Italian Prime Minister Matteo Renzi in October 2016.“So that was a kind of a, ‘I don’t care’ dress,” she said of the shimmery, one-armed gown.“I put that on. I was like, ‘This is sexy.’ It’s the last one,” she said, meaning their final state dinner. “All of my choices, ultimately, are what is beautiful and what looks beautiful on.” Pantsuit worn to Joe Biden’s inauguration “I was really in practical mode,” Obama said, explaining why she chose the maroon ensemble by Sergio Hudson with a flowing, floor-length coat that she wore unbuttoned, exposing the belt around her waist with a big, round gold-toned buckle. Her boots had a low heel.“The sitting president was trying to convince us that Jan. 6 was just a peaceful protest,” she said.The inauguration ceremony at the Capitol was held two weeks after the Jan. 6, 2021, riot there by supporters of President Donald Trump who had sought to overturn Biden’s victory.She said she had been thinking about the possibility of having to run if something else had happened that day.“I wanted to be able to move. I wanted to be ready,” she said. But she and her team “had no idea” the outfit “was going to break the internet,” she said. White House East Wing Obama also spoke about the East Wing, the traditional base of operations for first ladies that Trump last month tore down to make room for a ballroom he’s long desired.Obama described the East Wing as a joyful place that she remembers as full of apples, children, puppies and laughter, in contrast to the West Wing, which dealt with “horrible things.” It was where she worked on various initiatives that ranged from combating childhood obesity to rallying the country around military families to encouraging developing countries to let girls go to school.She said she and her husband never thought of the White House as “our house.” They saw themselves more as caretakers, and there was work to do in the mansion.“But every president has the right to do what they want in that house, so that’s why we’ve got to be clear on who we let in,” Obama said. Darlene Superville, Associated Press
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E-Commerce
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