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Artificial intelligence is reshaping the global workforce and rapidly expanding the expectations placed on todays learners. The World Economic Forum predicts that technological advancements like AI, alongside economic and demographic factors, will lead to a net increase of 78 million global jobs this decade. Educational institutions now face a pivotal moment. They must evolve how students learn, how instructors teach, and how technology supports each step of that journey. For decades, the education sector adopted new technologies cautiously. However, the profound impact of AI on the workforce has accelerated interest and experimentation. Our latest research at Cengage Group shows that both positive perceptions of AI and classroom usage are rising. While this enthusiasm is a promising step toward ensuring learners are prepared for an AI-forward future, its critical that institutions approach AI responsibly. With new AI tools launching at unprecedented speeds, it can be difficult to determine which will truly enhance learning outcomes. In some cases, rapid launches have created more friction for educators and confusion for students. To ensure responsible deployment, the conversation must shift from racing to market and instead toward measured, purposeful development aligned with how learning actually occurs. WELL-INTENTIONED, BUT MISSING THE MARK Many big tech companies have rushed to develop AI-based educational tools. But while tech innovators have made strides in exploring AI to enhance the educator and student experience, the critical reality is that education is an incredibly complex ecosystem. Education is simply not fit for plug-and-play solutions. Googles recent homework help feature is one example. Designed to give students an AI overview of what appeared on the screen including assessment answers, the tool inadvertently made it harder for instructors to validate work and accurately gauge understanding. Instead of reducing friction, it increased workload for both educators and students, ultimately leading to a pause in deployment. A similar challenge emerged this past summer with OpenAIs Study Mode. While designed to guide students and ask questions rather than provide answers, it is just one click away from ChatGPT, where answers are readily available. Without a deep understanding of teaching fundamentals, and how and when real learning happens, technological developments can lead to unintended consequences that disrupt rather than improve learning. These examples highlight an important truth. Innovation alone is not enough. Educational impact requires domain expertise, intentional design, and clear boundaries that promote understanding rather than shortcuts. BALANCE MEANINGFUL INNOVATION AND REINFORCE LEARNING To deliver educational support that blends innovation with learning outcomes, AI product development must balance the needs of both educators and students. Faculty are increasingly being asked to do more with less. AI should lighten that load, not add to it. For example, AI can surface classroom trends, flag areas where students are struggling, and help educators personalize instruction. Students, meanwhile, need support tools that build understanding, and dont just provide answers. Success in student deployment lies in cultivating curiosity and critical thinking. For example, AI can provide study support outside of classroom hours, deliver personalized feedback, and encourage further exploration to strengthen learning. This balanced approach requires maintaining human oversight. Collaboration with institutions and faculty ensures AI experiences align with course objectives and reinforce, rather than disrupt, proven teaching practices. THE PATH FORWARD: PRIORITIZE PEDAGOGY As AI continues to evolve, pedagogy must be at the core of all innovation, ensuring academic integrity and quality content that builds trust and drives meaningful student outcomes. Through controlled, confined subject knowledge and consistent training to ensure accuracy and academic integrity, AI tools can prioritize pedagogy and remain narrowly focused on driving specific student learning outcomes. AI should act as a supporting coach who helps break down problems, prompts curiosity, and encourages persistent learning so students can confidently reach the correct answer on their own. This purpose-built approach to AI complements the human teacher and enhances instruction by confirming student understanding and pinpointing knowledge gaps to support educators in delivering more personalized learning. The key to unlocking AIs potential in education goes beyond speed to market, and lies in thoughtful development rooted in intentional and responsible design. With pedagogy at the core, AI becomes more than a tool. It becomes a partner in improving learning outcomes for students and reducing the educators load. Darren Person is EVP and chief digital officer of Cengage Group.
Category:
E-Commerce
If you’re a millennial or simply a fan of sci-fi, you likely remember 2010’s smash hit Inception, written and directed by Christopher Nolan. The story follows Dom Cobb (played by Leonardo DiCaprio), a professional thief who specializes in stealing privileged secrets from peoples minds while they dream. He uses advanced technology to enter another persons subconscious while theyre asleep and take whatever information he wants. The problem DiCaprio’s character faces is that the line between reality and dreams become blurred, making it increasingly difficult to tell whats real. In many ways, especially for retail investors, that’s a picture of the modern market. A place where rumor, rhetoric, and anticipation can impact price action in unpredictable ways. When you add the ever-changing realities of our current political and macro-economic environment, the average Joe trader can feel like the odds are stacked against him. But there is one set of data that more often than not, cuts through the noise. And that’s the options market. OPTIONS PROVIDE ACCURATE VIEWS Options give us a more accurate picture of what the people who move the markets are actually thinking. Institutions and hedge funds make their living on positive returns. And while stocks can often be manipulated, options have a shorter shelf-life and are way less forgiving. And it’s there, in the nuances of the “put to call ratios” of the options market, that AI is quietly giving retail traders a helping hand. Let me give you an example. OnOctober 9th, our Prospero.ai AI-driven Net Options Sentiment (a gauge of real-time, market options data and positioning), plunged from a bullish 33 to an ominously bearish zero in a matter of minutes. No headline. No Fed speech. No earnings shock. Just a massive bearish shift, seemingly out of nowhere. We saw the shift and sent an alert to our followers on X. At 10:30 a.m. the next morning, the numbers were still sitting at zero. We issued another alert warning that a possible market reversal might be brewing. Thirty minutes later, without any warning, President Trump posted on social media about a looming trade war with China. The market fell off a cliff. Several fintech influencers noticed our early warnings and brought positive attention to it on X. Some were skeptical. @cyberdaddy mused, “Today’s selloff was 100% correlated to the China tariff threats, which were impossible for any person or algo to forsee.this was 100% random luck. But the reality is that this wasnt the first time our signals picked up on a major market move before it happened. The same pattern appeared in February when we saw SPY Net Options Sentiment lead the market down. We warned about it (Dont Trim the Hedges) on March 3rd, just a few days before a historic market correction on Liberation Day. Twice now, the data revealed massive bearish options positioning before a drop in price. WHATS REALLY HAPPENING? That brings us to an important question. If the data is picking up on signals before theyre public, whats really happening? Is AI becoming smart enough to sense fear before humans can express it? Or is information, intentional or not, pulsing through back channels in a way once thought unimaginable 20 years ago? In earlier eras, Wall Street’s most valuable information moved in whispers and was confined to smoke-filled rooms and the back nine of golf courses. Today, that same information moves with lightning speed through social media threads, encrypted group chats, and algorithmic pattern recognition. One whisper in the right chat room can ripple through a thousand terminals before the SEC finishes its coffee. A policymakers assistant, a janitor overhearing a senator’s conversation as he informs a colleague of a military contract, or heightened tensions in the White House can all lead to that same outcome. The lines between what’s public, private, and privileged are dissolving. So maybe the question isnt whether AI is getting smarter or if those in the know are getting bolder. Maybe it’s that AI is hearing the market’s whispers more clearly than ever before. Cyberdaddy backed off his protest of the validity of our system: After doing some more research, I found that the de-risking and drop in options sentiment likely occurred for logical reasons that your model picked up on. The China export-control announcement on October 8th probably drove much of that defensive positioning among people paying attention to geopolitics (which major firms obviously do). My apologies for jumping the gun, I was wrong. THE CRUX OF THE ISSUE This is the crux of the matter. Did a shift in the perception of risk regarding the situation with China lead to a massive hedge or bet against the QQQ (an index including 100 of the largest non-financial companies listed on the Nasdaq exchange, heavily weighted toward technology and growth)? Or were some more in the know about the political winds changing? How could we even begin to differentiate between the two? By the way, the word inceptionisn’t just a movie title, it’s a word that means the beginning, or start of something brand new. And maybe we are at a point of inception. Because for the first time, AI isn’t just leveling the playing field; it’s changing who gets to play on that field in the first place. George Kailas is CEO of Prospero.ai.
Category:
E-Commerce
A wild winter storm was expected to bring strong winds, heavy snow and frigid temperatures to the Great Lakes and Northeast on Tuesday, a day after a bomb cyclone barreled across the northern U.S. and left tens thousands of customers without power.The storm that hit parts of the Plains and Great Lakes on Monday brought sharply colder air, strong winds and a mix of snow, ice and rain that led to treacherous travel. Forecasters said it intensified quickly enough to meet the criteria of a bomb cyclone, a system that strengthens rapidly as pressure drops.Nationwide, more than 153,000 customers were without power early Tuesday, more than a third of them in Michigan, according to Poweroutage.us.As Monday’s storm moved into Canada, the National Weather Service predicted more inclement weather conditions for the Eastern U.S, including quick bursts of heavy snow and gusty winds known as snow squalls.New York Gov. Kathy Hochul warned that whiteout conditions were expected Tuesday in parts of the state, including the Syracuse-metro area.“If you’re in an impacted area, please avoid all unnecessary travel,” she said in a post on the social media platform X.Snow piled up quickly in Michigan’s Upper Peninsula on Monday, where as much as 2 feet (60 centimeters) fell in some areas, according to the National Weather Service. Meteorologist Ryan Metzger said additional snow was expected in the coming days, although totals would be far lighter.Waves on Lake Superior that were expected to reach 20 feet (6 meters) Monday sent all but one cargo ship into harbors for shelter, according to MarineTraffic.com. Weather forecasting on the lakes has improved greatly since the Edmund Fitzgerald sank in 1975 after waves were predicted at up to 16 feet (4.8 meters).The fierce winds on Lake Erie sent water surging toward the basin’s eastern end near Buffalo, New York, while lowering water on the western side in Michigan to expose normally submerged lakebed even the wreck of a car and a snowmobile.Kevin Aldrich, 33, a maintenance worker from Monroe, Michigan, said he has never seen the lake recede so much and was surprised on Monday to spot the remnants of old piers dating back to the 1830s. He posted photos on social media of wooden pilings sticking up several feet from the muck.“Where those are at would typically be probably 12 feet deep,” he said. “We can usually drive our boat over them.”Dangerous wind chills plunged as low as minus 30 F (minus 34 C) across parts of North Dakota and Minnesota on Monday. And in northeast West Virginia, rare, nearly hurricane-force winds were recorded on a mountain near Dolly Sods, according to the National Weather Service.In Iowa, after blizzard conditions eased by Monday morning, high winds continued blowing fallen snow across roadways, keeping more than 200 miles (320 kilometers) of Interstate 35 closed. State troopers reported dozens of crashes during the storm, including one that killed a person.On the West Coast, the National Weather Service warned that moderate to strong Santa Ana winds were expected in parts of Southern California through Tuesday, raising concerns about downed trees in areas where soils have been saturated by recent storms. Two more storms were forecast later this week, with rain on New Year’s Day potentially soaking the Rose Parade in Pasadena for the first time in about two decades. Associated Press writers Julie Walker in New York; Corey Williams in Detroit; Margery Beck in Omaha, Nebraska; Susan Haigh in Norwich, Connecticut; and Becky Bohrer in Juneau, Alaska, contributed. Leah Willingham and Jeff Martin, Associated Press
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E-Commerce
Shares opened mixed in Europe on Tuesday after slipping in Asia as some regional markets wrapped up trading for the year.Crude oil prices edged higher and gold and silver resumed their ascent. U.S. futures were flat.In Tokyo, Japanese Prime Minister Sanae Takaichi rang out the final session for 2025 in a traditional year-end ceremony.“By realizing a Japanese economy that earns the trust of investors around the world, we will create a virtuous cycle in which global capital flows into Japan,” Takaichi said.The benchmark Nikkei 225 shed 0.4% to 50,339.48, its first year-end close above 50,000. It ended 2025 up nearly 25%.With just two trading days left before the year ends, most big investors have closed out their positions and volume has been thin. Most global markets will be closed Thursday, New Year’s day, and some will also be closed Wednesday and Friday.In early European trading, Germany’s DAX was nearly unchanged at 24,348.38. Britain’s FTSE 100 edged up 0.1% to 9.876.73, while the CAC 40 in Paris had barely budged at 8,112.37.Elsewhere in Asia, Hong Kong’s Hang Seng index climbed 0.9% to 25,854.60, while the Shanghai Composite index was virtually unchanged at 3,965.51.In Australia, the S&P/ASX 200 edged 0.1% lower to 8,717.10.South Korea’s Kospi fell 0.2% to 4,214.17, while Taiwan’s Taiex lost 0.4%.India’s Sensex was down less than 0.1%.On Monday, stocks slipped in quiet trading on Wall Street. The S&P 500 fell 0.3%. It’s still up more than 17% for the year and it remains on track for its eighth monthly gain in a row.The Dow Jones Industrial Average fell 0.5%, while the Nasdaq composite fell 0.5%.Big technology stocks with outsized valuations were among the heaviest weights on the market. Nvidia and several other companies focusing on AI or benefiting heavily from the developing technology have become some of the most valuable in the world.Nvidia fell 1.2% and Broadcom fell 0.8%.Tech shares have wobbled recently as investors have grown skeptical over the whether the eventual payoff will justify hefty investments in artificial intelligence.The price of gold gained 0.7% early Tuesday after falling 4.6% the day before. It’s up about 64% for the year.Silver prices gained 4.4% after slumping 8.7% on Monday. They have more than doubled in 2025.The precious metals fell back on Monday when the Chicago Mercantile Exchange, one of the largest trading floors for commodities, asked traders to put up more cash to make bets on precious metals.Treasury yields fell in the bond market. The yield on the 10-year Treasury fell to 4.11% from 4.13% late Friday.Treasury yields have fallen significantly from the start of the year, after the Federal Reserve cut its benchmark rate to help counter a slowing jobs market. That risks heating up inflation that is already stubbornly above the central bank’s target rate of 2%. Interest rate cuts could boost the economy by making loans less expensive, but that benefit could be nullified by rising inflation stunting economic growth.In other dealings early Tuesday, U.S. crude oil gained 14 cents to $58.22 per barrel. Brent crude, the international standard, picked up 12 cents to $61.61 per barrel.The U.S. dollar slipped to 156.00 Japanese yen from 156.05 yen. The euro fell to $1.1769 from $1.1774. AP video journalist Mayuko Ono in Tokyo contributed to this report. Elaine Kurtenbach, AP Business Writer
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E-Commerce
Ive done it, youve done it, weve all done it. With the best of intentions, we set big goals for our future: get a work promotion, lose 20 pounds, run a marathon. And too often, we give up a few months later, realizing we bit off more than we could chew. Why? We get enamored with the idea but the execution? Not so much. Goals can seem straightforward, but without a specific plan or realistic milestones, they quickly fizzle out. The Appeal and Problem of Big Goals Big goals can quickly inspire us and make us feel like were putting effort into forward progress. But goals are only as good as the plans that support them. You cant build your dream house without an architectural drawing. New Years resolutions are a great example. Every January, we feel compelled to proclaim a grand milestone well achieve to make our lives betterlike quitting a bad habit or getting eight hours of sleep. According to a study by Strava, 80% of New Years resolutions fail by February. Sounds familiar? Thats because while setting a goal might feel empowering, the lack of planning leaves us with nothing but good intentions. Taavo Godtfredsen and Samantha Allison, authors of The 5x CEO, studied cohorts of CEOs to determine what made the best leaders and their teams rise to the top. As one portfolio company CEO told them, “Create the strategic outcome that you’re trying to get to and then align your actions relentlessly to deliver it.” The Danger of Wildly Ambitious Goals Im not saying to not set big goals. The mistake to avoid is setting goals that are too big or too vague. For example: imagine deciding that youre going to lose 30 pounds in two months. First of all, good luck. Second of all, while this is a noble goal, its incredibly easy to get discouraged if progress doesnt come quickly, or if you dont have a clear path to follow. The goal is so large (or intimidating) that it becomes a demotivator. A better approach would be to set smaller goals with milestones that you can realistically achieve. Instead of losing 30 pounds, break it down into manageable milestones: lose five pounds in the first month, aim for three workouts a week, and so on. Each small achievement gives a feeling of progress, and the cumulative effect is much more sustainable over time. Similarly in business, setting a goal to “Be the category leader!” is ambitious and inspiring, but without a step-by-step plan on how to get theremarket research, increased sales support, innovative partnershipsits just a distant dream. Setting smaller goals within that larger vision (e.g., increase sales by 10% this quarter, build a social media presence, etc.) gives you specific targets to work toward. Goals Need Plans. Period. Goals are like the destination on a map, but your plan is the GPS that gets you there. Without that road map, you could be driving in circles. Plans that break down larger goals into smaller, actionable steps make the journey manageable, measurable, and motivating. I like the example of Sara Blakely, founder of Spanx. As an entrepreneur, she had a big goal: to create a revolutionary undergarment that would change the way women feel about their clothing. But Blakely didnt just rely on this one big idea. She broke her goal into smaller steps: she spent time learning about manufacturing, secured a meeting with potential investors, and went through the process of patenting her product. Impressively, Blakely started Spanx with just $5,000, but by creating a detailed plan and breaking her vision into incremental steps, she eventually created a billion-dollar business. Create a Plan That Works So, how do you turn goals into actionable plans? Try these tips: Break it Down: Divide your goal into smaller, manageable chunks. If your goal is to write a book, dont just aim to write a book. Set specific targets, like write 500 words a day or complete one chapter per month. Set SMART Goals: The SMART framework (Specific, Measurable, Achievable, Relevant, Time-bound) is a simple yet effective way to ensure your goals are grounded in reality. Rather than saying, I want to get fit, say, I will work out four times a week for 30 minutes for the next three months. Create a Timeline: Every goal needs a timeline attached to it. Deadlines create urgency and help you stay accountable. Eliminate Obstacles: What might stand in your way? Whether its time, money, or motivation, identifying potential barriers helps you plan for and eliminate them. Track Progress: Regularly check your progress. Are you meeting your milestones? Make adjustments as needed. The Power of Consistency Like many things in life, its not the grand gestures but rather the accumulation of daily actions that make an impact: the daily writing, the daily workouts, the daily efforts that add up to lasting change. The more you break them down into manageable steps and stay consistent, the more achievable they become. Its tempting to set huge, audacious goals, but without a plan to back them up, you risk disappointing yourself. So start small, plan your steps, and stay consistent. Its the journeyone small step at a timethat leads to big results.
Category:
E-Commerce
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