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Meanwhile, elite institutions like Harvard, Princeton, and Columbia have had billions in federal research grants frozen amid disputes over campus policies on diversity, protests, and civil rights. Harvard alone has reportedly lost $2.2 billion in funding, with Cornell, Northwestern, Brown, and Penn also under financial strain  nucamp.co . University leaders warn these freezes threaten essential research—from Alzheimer’s to defense technologies—potentially catalyzing a “brain drain” as scholars shift abroad  nucamp.co . 2. Accreditation at the Mercy of Politics Politics is now reaching even the accrediting bodies. The Trump administration quietly delayed a key National Advisory Committee on Institutional Quality and Integrity (NACIQI) meeting that was set to review Columbia University’s accreditation renewal. Critics claim this pause undermines the committee’s independence and could politicize the accreditation process  houstonchronicle.com +6 wsj.com +6 nucamp.co +6 . HEHEHE Visa...

  Introduction: Why Financial Risk Measurement Matters More Than Ever In the wake of post-pandemic inflation, global uncertainty, and the rise of AI-powered finance, the United States financial system is being stress-tested — literally and figuratively. At the heart of this system are regulatory tools like the Federal Reserve’s annual stress tests , which aim to ensure that the country’s largest banks can survive extreme economic shocks without sparking a broader financial crisis. In 2025 , the conversation around financial risk has taken a pivotal turn. The Federal Reserve’s latest stress tests have shown that major U.S. banks remain resilient — but with milder test scenarios and major changes on the horizon, economists, investors, and policymakers are asking: Are we measuring financial risk the right way? Section 1: 2025 Stress Test Results Show Strength — But Raise Eyebrows   All Major U.S. Banks Pass In June 2025, the Federal Reserve released the results of its annu...

  U.S. Bank News – July 2025 1. Strong Stress Test Results Spark Dividend & Buyback Surge Major U.S. banks, including JPMorgan Chase, Bank of America, Wells Fargo, Morgan Stanley, Goldman Sachs, and Citigroup, performed robustly in this year’s Federal Reserve stress tests, maintaining common equity Tier 1 ratios around 11.6%—well above the 4.5% requirement thenationalnews.com +8 reuters.com +8 marketwatch.com +8 . JPMorgan unveiled a $50 billion share buyback and raised its dividend to $1.50/share. Bank of America’s dividend climbed 8% to $0.28, Wells Fargo to $0.45, Morgan Stanley’s to $1.00, Goldman to $4.00, and Citi to $0.60 reuters.com . What it means: This strong capital position gives banks flexibility to reward shareholders, but regulatory conservatives worry that future relaxations around stress test standards and capital buffers could weaken systemic resilience . 2. Fed Proposes Capital Requirement Rollbacks The Federal Reserve has proposed significa...

  In recent years, Artificial Intelligence (AI) tools have rapidly evolved from experimental technologies to everyday necessities. These powerful tools are reshaping industries, enhancing productivity, and offering solutions once thought to be the domain of science fiction. From automating mundane tasks to generating human-like content, AI is not just changing the way we work—it's redefining it. What Are AI Tools? AI tools are software applications that use machine learning, natural language processing (NLP), computer vision, and other AI technologies to perform tasks traditionally requiring human intelligence. They can analyze data, understand and generate language, recognize patterns, and even make decisions based on learned experience. Examples include: Chatbots and Virtual Assistants (e.g., ChatGPT, Google Assistant) Image and Video Generators (e.g., DALL·E, RunwayML) AI Coding Assistants (e.g., GitHub Copilot) Automation Platforms (e.g., UiPath, Zapier with ...

  By [HPT NEWS] Introduction: You’re Already Using SERPs—You Just Didn’t Know It Every time you Google something—whether it’s “best Thai food near me” or “how to tie a tie”—you’re interacting with one of the most powerful tools on the internet: the Search Engine Results Page , or SERP. It’s easy to take this digital interface for granted. In a split second, it delivers what feels like exactly what you were looking for. But behind that list of results is a complex, ever-changing ecosystem that affects everything from what news we read to which businesses we discover. In this article, we’ll unpack what SERPs are, how they work, and—most importantly—why they’re crucial for anyone trying to grow online. What Is a SERP, Really? Let’s start simple: a SERP is the page that appears after you enter a query into a search engine like Google, Bing, or Yahoo. It’s where your question meets its answer. But while the concept is simple, the execution is anything but. A SERP is where algori...

  Introduction: Crypto’s Evolution Meets Financial Scrutiny The U.S. cryptocurrency market has matured rapidly, transitioning from a volatile fringe experiment into a semi-mainstream financial sector. With institutional investors, government regulators, and retail traders all participating, crypto is no longer just a speculative asset—it’s a systemic force . However, with growth comes risk —and in 2025, the financial risks in the U.S. crypto markets are more complex, interconnected, and consequential than ever before. This comprehensive report explores: The biggest risk trends in crypto finance New U.S. regulations reshaping the market The institutional response to volatility What investors need to watch now 1.  Institutional Risk: Exposure Without Full Regulation  The Rise of Tokenized Treasury Assets As traditional finance and crypto begin to merge, tokenized Treasury funds have become one of 2025’s hottest products. BlackRock, Franklin Templeton...

  Washington, D.C. – July 6, 2025 President Donald Trump has signed a controversial new tax-and-spending package into law, dubbed the “One Big Beautiful Bill,” marking one of the most ambitious legislative moves of his second term. The $3.3 trillion bill, passed just before Independence Day, combines permanent tax cuts, military expansion, immigration spending, and significant cuts to social safety net programs like Medicaid and food assistance. The law has sparked widespread political and public reactions, with supporters hailing it as pro-growth and critics warning it could worsen inequality and increase national debt. “This is the most patriotic economic bill in American history,” Trump said during the signing ceremony on July 4. “It helps workers, rewards job creators, and puts America first—just where it belongs.” What’s in the Bill? Key components of the legislation include: Permanent extension of 2017 tax cuts for individuals and businesses Tax relief for servic...