Fine-Tuning an LLM to Predict the Rental Value of a Dwelling 0 like April 26, 2025 Share this post Last Updated on April 26, 2025 by Editorial Team Author(s): Tomer Gabay Originally published on Towards AI. How Large Language Models can be used for regression tasks.[image by Author] In the Netherlands, we have rules that determine the maximum rent allowed for a dwelling based on its properties and quality. These rules are quite complex and can be found on the Huurcommissie's website. We’ve built an open-source Python package to calculate the amount of points a house is worth based on these rules: woningwaardering. woningwaardering means “home valuation” and it is a point system in which a dwelling is awared points based on its properties and qualities. The maximum rent for a dwelling is directly related to the amount of points it is awared. Ed Donner fine-tuned a Llama-3.1–8B model to predict Amazon product prices based on their descriptions. This inspired me to try to predict the points of a dwelling based on its description, instead of using our own woningwaardering package. At the social housing organisation I work, Woonstad Rotterdam, we have lots of data about our 60,000 dwellings. We’ve implemented data quality checks to determine which dwellings have near-perfect quality data using our open-sourced pyspark-testframework package. Of our ~50,000 self-contained dwellings, ~25,000 have a near-perfect data quality. Even though the data quality of these 25,000 houses is very good, there are still limitations to the dataset. For example, we don’t… Read the full blog for free on Medium. Join thousands of data leaders on the AI newsletter. Join over 80,000 subscribers and keep up to date with the latest developments in AI. From research to projects and ideas. If you are building an AI startup, an AI-related product, or a service, we invite you to consider becoming a sponsor. Published via Towards AI Towards AI - Medium Share this post

The weekend is officially here, and we've rounded up the best deals you can find! Discover the best deals for April 20 below:Xenoblade Chronicles X: Definitive Edition for $49.99Xenoblade Chronicles X: Definitive EditionXenoblade Chronicles X: Definitive Edition brings the long-requested Wii U game to Nintendo Switch with numerous quality-of-life updates and features. There's also even an added epilogue story chapter with a new ending for the game, which likely will directly lead into the future of the series. With a soundtrack by Hiroyuki Sawano and a massive world to explore, Xenoblade Chronicles X is a game you can easily spend hundreds of hours in.Razer Huntsman V2 TKL for $74.99Razer - Huntsman V2 TKL Wired Optical Purple Clicky Switch Gaming Keyboard with Chroma RGB Backlighting - BlackBest Buy has the Razer Huntsman V2 TKL Mechanical Keyboard for just $74.99 today. This keyboard features clicky optical switches that feel much lighter than most other mechanical switches out there, as you can get up to true 8000Hz polling rate for lower input latency. The Huntsman V2 TKL features doubleshot PBT caps, which are more durable and sturdy to ensure longer life. Another key offering of this keyboard is the detachable USB-C cable, so you won't need to worry about wrapping your cable around when moving. Persona 5 + Persona 5 Royal: Official Design Works for $57.31Persona 5 + Persona 5 Royal: Official Design WorksIf you're a fan of Persona 5, this is the ultimate item for you. This Official Design Works contains 544 pages of artwork across both Persona 5 and Persona 5 Royal. You'll find character illustrations, promotional art, rough concepts, detailed creator commentary, and even an interview with Shigenori Soejima.Dragon's Dogma 2 for $30Dragon's Dogma 2 - PS5You can score Capcom's massive RPG for just $30 this weekend at Amazon. We gave the game an 8/10 in our review, stating, "It is a retelling and reimplementation of all of those wonderful ideas from the 2012 cult-classic, including an awesome dynamic world and some of the best combat in the genre that integrates a subtle but amazingly complex physics system."Resident Evil 3 for $19.93Resident Evil 3 - PlayStation 5You can save $10 off the PS5 version of Resident Evil 3 this weekend at Amazon. In our 9/10 review, we wrote, "Resident Evil 3 is a wonderful continuation of Capcom’s latest remake efforts. Although its just-okay multiplayer mode falls short of the bar set by its magnificent single-player campaign, the latter does such a good job at balancing 2020 gameplay and a classic Resident Evil tone that I recommend it without reservations."Like a Dragon: Pirate Yakuza in Hawaii for $49.99Like a Dragon: Pirate Yakuza in Hawaii - PlayStation 4Like a Dragon: Pirate Yakuza in Hawaii - Xbox Series XThe latest Like a Dragon game stars everyone's favorite ex-yakuza, Goro Majima, on an adventure to sail the seas as a pirate. When Majima wakes up unable to remember anything about himself, he embarks on a quest to regain his memories, and of course, in true Like a Dragon fashion, things get crazy. This is the lowest we've seen this game so far, so be sure to pick up a copy while you can.Star Wars Outlaws Limited Edition for $29.12Star Wars Outlaws - Limited Edition (Amazon Exclusive), Xbox Series XFinally, Star Wars Outlaws for Xbox Series X is on sale for $29.12 at Amazon. We gave the game a 7/10 in our review, writing, "Star Wars Outlaws is a fun intergalactic heist adventure with great exploration, but it’s hindered by simple stealth, repetitive combat, and a few too many bugs at launch."

Welcome to Indie App Spotlight. This is a weekly 9to5Mac series where we showcase the latest apps in the indie app world. If you’re a developer and would like your app featured, get in contact. Ever wanted a cute pets game on your Apple Watch? Pixel Paws is the answer for you. It’s a fun and simple game where you can take care of digital pets on your Apple Watch, with no hidden in app purchases, ads, or tracking. Pixel Paws is a simple game, but still very cheerful nonetheless. You start off with one pet, but over time you can earn additional coins by taking care of and playing with your pet. Actions have a cooldown period, so you have to play periodically. As you spend more time checking in with your pet, you can earn additional coins, which can be used to unlock different backgrounds, weather effects, environments, and more. You can also buy additional pets to take care of with these coins. It’s a very simple game to understand, and it’s built to be kid-friendly. For a limited time, you can unlock a special launch bonus of 100 coins, which can buy you all sorts of things. It’s a nifty little game to mess with on your Apple Watch. There’s up to 12 companions you can unlock. Pixel Paws is available on the App Store for $2.99. It requires an Apple Watch running watchOS 11.2 or later. No subscriptions are required afterwards. My favorite Apple accessories on Amazon: Follow Michael: X/Twitter, Bluesky, Instagram Add 9to5Mac to your Google News feed.  FTC: We use income earning auto affiliate links. More.You’re reading 9to5Mac — experts who break news about Apple and its surrounding ecosystem, day after day. Be sure to check out our homepage for all the latest news, and follow 9to5Mac on Twitter, Facebook, and LinkedIn to stay in the loop. Don’t know where to start? Check out our exclusive stories, reviews, how-tos, and subscribe to our YouTube channel

Image by Michael Dickele / FOAP / Getty ImagesDevelopmentsGold, laser goggles, and a camera: it's an unlikely combination that could one day be used to restore vision in people with retinal damage, according to researchers.In a new study published in the journal ACS Nano, the team found that injecting gold nanoparticles into the eyes of mice with retinal disorders helped stimulate the rodents' visual systems and bring back some vision. When targeted with infrared lasers, the microscopic gold pieces reproduce electrical signals similar to those emitted by cells in the retina that are essential to eyesight but are damaged by conditions like macular degeneration, which affects some 20 million Americans."This is a new type of retinal prosthesis that has the potential to restore vision lost to retinal degeneration without requiring any kind of complicated surgery or genetic modification," lead author Jiarui Nie, a researcher at Brown University and the National Institutes of Health, said in a statement about the work. "We believe this technique could potentially transform treatment paradigms for retinal degenerative conditions." The most common retinal disorder, age-related macular degeneration, involves damage to cells in the retina called photoreceptors, causing blurry vision, blind spots, and in advanced stages, total loss of central vision. These photoreceptors come in the form of "cone" cells responsible for our perception of color,  and "rod" cells that handle low light conditions. When light falls on them, the cones and rods zap little electrical pulses that are sent to bipolar and ganglion cells, which process the signals before they're beamed to the brain. If the photoreceptors are damaged, however, then the entire visual chain is cut off.But gold nanoparticles — specifically, plasmonic gold nanorods — could effectively replace them. In the mice experiments, the researchers found that focusing infrared light onto the metal particles generated heat that stimulated the bipolar and ganglion cells, just like the photoreceptors would. This resulted in increased activity in the visual cortices of the mices' brains, indicating that the visual signals were in fact being received and that their vision was partially restored. And so far, the team hasn't observed any side effects from the approach."We showed that the nanoparticles can stay in the retina for months with no major toxicity," Nie said.Applied to humans, a pair of goggles would beam infrared lasers encoding image data gathered from an onboard camera into the gold nanoparticles, and eureka — you have visual signals being sent to the brain. A similar approach was proposed a few years ago, the team notes, but crucially, this one doesn't require surgery, just a relatively simple injection (and a very advanced piece of headgear).Nie believes the approach has other advantages, too, like allowing for a far higher-resolution image with a complete field of vision. Promising as it is, though, there's still significant research to be done before it can be tried in a clinical setting on humans, Nie said.Share This Article

Merging retro flair and a high-tech electric platform, the Slate Truck offers a customizable, budget-friendly alternative to traditional EVs.

A Call of Duty fan had a run-in with the Transportation Security Administration (TSA) after trying to get a "replica explosive device" Monkey Bomb onto a plane in the US earlier this year. Read more

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Julie Wainwright has taken two companies public, a pretty incredible feat by any standard. Yet in her new memoir, Time to Get Real, she offers readers something even more valuable: a blunt look at the messy realities of leadership. Wainwright shares the kinds of tough truths that many high-achieving CEOs can relate to but rarely discuss publicly, including the aftermath of what many would consider her first major setback, which was shutting down Pets.com during the 2000 market crash. If you’re of a certain age, you definitely remember it. The online pet supplies startup had become instantly recognizable thanks to its memorable sock puppet mascot and catchy slogan, “Because pets can’t drive.” But what seemed like just a fleeting moment in the dot-com bubble’s burst would cast a shadow over Wainwright’s career for nearly a decade. “When I would talk to recruiters, it was like, ‘No one’s going to hire you anymore,’” Wainwright said in an interview with this editor earlier this week. It came as a shock, given that Wainwright’s career trajectory initially seemed unstoppable. After cutting her teeth at Clorox, she rose through tech companies in the ‘90s when female leadership in the sector was exceedingly rare. As CEO of Berkeley Systems and later the online video store Reel.com, she worked “tons of hours” but was happy and, by her telling, succeeding, including growing Reel.com’s revenue from $3 million to $25 million — a time during which the company was sold to Hollywood Video. “I just operated better without a boss,” she said. Then came the collapse that would have permanently derailed many careers. In 2000, Wainwright took Pets.com public, only to shut it down later that same year during the dot-com bubble burst. The professional blow was exacerbated by a personal one: she says that on the very same day she informed employees of the company’s closure, her husband asked for a divorce. “My work is gone, I’m getting a divorce, and I don’t have children,” Wainwright, then 42, recalls thinking as she faced what felt like total life collapse. Making matters worse, the media coverage was “incredibly negative and intrusive,” to the point that she says days after the company’s closure, reporters showed up at her doorstep. Wainwright describes what followed as a kind of long winter, where she was only offered roles leading turnaround efforts at failing companies. But that crossroads led to a remarkable second act. In 2010, she founded The RealReal, helping in the process to pioneer the luxury consignment market online. Like a lot of founders, Wainwright first set up the company out of her own home, but it soon outgrew her living room, and today, it processes many hundreds of thousands of different luxury items each month that it aims to sell within 90 days out of its more than 1.2 million square feet of warehouse space and operations centers. It’s also a publicly traded company; in her second trip to Wall Street, in 2019, Wainwright took the outfit through the traditional IPO process. Unfortunately, this triumphant comeback has its own harsh chapter. In 2022, Wainwright was abruptly pushed out of The RealReal by board members she had recommended – another twist she doesn’t shy away from sharing. Instead, she names names in the book, and earlier this week, she described the move as a “power play” by an investor who “didn’t get his money out of the company and thought he could run the company better.” Wainwright — who fully supports the company’s current CEO (she was the company’s first hire) — is still pissed off. She noted in conversation that “no founder is ever going to say they need to be shot and removed,” and it’s that honestly that makes the book – and Wainwright herself — so refreshing. In the corporate world, where people often spin narratives to make themselves look bulletproof, Wainwright is a straight shooter; if she doesn’t like something, she isn’t going to hold back her punches. If someone spins the story differently than she sees it, she’ll call it out. Where she messes up, she says so. Even better about this memoir — in this reader’s opinion — is Wainwright’s ability to offer not just personal revelations but practical wisdom. She walks readers through her decision to bonus her sales staff a certain way, and shares her learnings about a leadership-evaluation quadrant she gleaned from McKinsey executives, including the realization she had hired one of the worst types: a “dumb aggressive” exec, meaning, in her words, someone whose “need to bully and coerce and to be on top supersede their abilities.” There’s also an interesting new chapter unfolding. Wainwright is continuing her entrepreneurial journey with Ahara, a nutrition company that’s developing personalized dietary recommendations based on genetics and individual needs. You can find our full conversation here, via TechCrunch’s StrictlyVC Download podcast. In the meantime, if you’re interested in a compelling read that’s both memoir and manual, offering founders something far more valuable than idealized success stories, you can pick up the book here. Said Wainwright when we spoke, “I personally wrote it for entrepreneurs to give them a realistic view and hopefully inspire them and, you know, maybe they’ll think twice and not make the mistakes I made.”

Whether they put you on a pedestal or tear you down, both extremes are signs that your relationship ... More likely isn’t built to last.getty Have you ever been called “perfect” by someone who barely knows you, someone who constantly tells you what a blessing you are? Maybe you’re just starting to date and the attention feels flattering. But what happens when their idea of you is challenged? What if you make a mistake or fall short of their ideal? Will they still treat you the same? Now, picture the opposite. You’re with someone who constantly criticizes you. They don’t like your clothes, your food choices, your friends and they constantly vocalize everything they dislike about you. It might surprise you how quickly some people pass judgment, despite barely knowing your story. Can you really see yourself being with someone like that long-term? Both of these extremes — idealization and constant criticism — are signs of power imbalance in the early stages of a relationship. Here’s why you need to be wary of these underlying red flags in a person. 1. The ‘Pedestal Problem’ Being idealized to a certain extent can feel validating, especially when a partner admires your kindness, intelligence or other meaningful qualities. This positive reinforcement can strengthen early attraction, as people often try to impress each other in the initial phases of dating. However, excessive idealization can harm relationships in the long run. A 2013 study published in the Journal of Social and Personal Relationships found that when a partner sees you as “perfect,” it may lead to a reduction in efforts and performance anxiety on the part of the idealized partner. They either think that no improvement is needed from their end because they’re already perfect or they feel pressured to maintain the unrealistic image their partner has of them, leading to stress, inauthenticity or even hiding flaws to avoid “disappointing” them. Over time, this dynamic decreases satisfaction in long-term relationships or marriages, as real intimacy requires accepting imperfections. A partner may idealize you because they’re projecting their own unmet needs or fantasies onto you, rather than seeing you as a whole person. But when someone admires you too much, it can quickly turn into criticism once they perceive flaws in their unrealistic image of you, leaving you feeling confused and hurt. Over-the-top flattery early on can also be a manipulation tactic to fast-track intimacy, making it harder to spot red flags. You may feel like you’re constantly auditioning for the role of “perfect partner.” This leads to a buildup of anxiety as you start to wonder how they’ll react when your inevitable flaws surface. It may lead you to stop being your authentic self as you hide your true feelings or needs to preserve their admiration. If you’re dating, here are a few subtle signs to watch out for: they dismiss or minimize your vulnerabilities (e.g., “You’re way too confident to feel insecure about that”), their praise feels exaggerated or impersonal (e.g., “You’re perfect in every way” instead of “I love how you handled that tough conversation”) or you find yourself editing your behavior to fit their idealized image of you. If that’s the case, it might be time to create some distance and establish clear boundaries. Gently let them know that constant flattery or unrealistic expectations make you uncomfortable. Tell them that you’d rather be seen as an equal and someone who’s allowed to make mistakes and grow, just like anyone else. 2. The ‘Criticism Trap’ Sometimes, a person can’t stop praising you. Then, there are others who make you feel like you’re never good enough, no matter what you say or do. Constant criticism goes far beyond the occasional complaint or constructive feedback. It’s a persistent pattern of belittling, dismissing or fixating on your flaws. These remarks, whether loud insults or subtle digs, gradually chip away at your self-confidence, leaving you feeling inadequate, as if you’re never “good enough.” Unlike constructive feedback, unhelpful criticism sounds like “You always mess things up” or “You just don’t care about me.” They can be broad, blaming statements that focus on personal flaws rather than specific actions. Contempt can also seep through nonverbal cues such as eye rolls, heavy sighs and sarcasm. Over time, you might catch yourself censoring your words or actions just to avoid their disapproval. These signs may seem small in isolation but together, they can deeply undermine your emotional safety. Psychologist and relationship expert Dr. John Gottman reported that couples at risk of breaking up often engage in conflict behaviors like using criticism and contempt. These behaviors are so damaging that they’re part of what he calls “the four horsemen” of the apocalypse in relationships. Additionally, he explains that voicing concerns can actually strengthen a relationship when done with care and clarity. But things change when those complaints shift from addressing specific behaviors to attacking someone’s character. That’s when it turns into criticism. This behavior may stem from deeper issues within the critic. Some may have narcissistic tendencies, where putting others down gives them a sense of superiority. Others might struggle with low self-esteem, using criticism to lash out and temporarily mask their own insecurities. Some may also use this behavior as a tactic to keep you under control, as keeping you off-balance makes it easier to manipulate your actions and emotions. What begins as feeling hurt can slowly lead you to censor your words or shrink parts of yourself, as your self-esteem diminishes. Move forward by setting clear boundaries. Let them know how certain comments or behaviors make you feel. If their criticism persists or escalates, it’s worth asking: does this connection support the person you want to be? You deserve to be in a relationship where feedback helps you grow — not one where you feel like you’re constantly being torn down. Limit your emotional exposure to their negativity, and if needed, create some distance to regain your sense of self. Remember That Both Extremes Are Dangerous Both these red flags lead to avoiding real intimacy due to distorted perceptions. Whether they’re projecting their fantasies or insecurities onto you, they’re not truly seeing you. And without being respected and seen clearly, no real connection can grow. What makes it worse is the underlying power imbalance. When one person holds emotional power over the other, it breeds instability. That’s why healthy relationships require balance, eye-to-eye conversations and shared power. Relationships need mutual respect and emotional safety, not hierarchy or walking on eggshells. Both partners must feel safe being themselves. A simple question to reflect on is: “Can I be vulnerable and real around this person without fear?” You’ll need time to figure out the answer, which is why it’s important to keep an eye out for both these red flags early on. If you conclude that your answer is “no,” that’s a sign to step back. You deserve someone who uplifts you, values your strengths and can address your vulnerabilities with care; not by belittling you or dismissing your feelings, but by leading with compassion and respect. How safe do you feel being authentic with the person you’re dating? Take this science-backed test to find out: Authenticity In Relationships Scale

After years of false starts and regulatory crackdowns, crypto’s future in America may be reignited by something deceptively simple: a digital dollar that doesn’t fluctuate in value.Stablecoins—cryptocurrencies pegged to the U.S. dollar—have quietly become the centerpiece of Washington’s new approach to digital assets. With President Donald Trump now publicly embracing crypto and bipartisan momentum building in Congress, lawmakers have a rare chance to pass the country’s first major crypto legislation. But industry leaders warn: move too slowly, or get too ambitious, and even that narrow victory could slip away.That was the consensus at a TIME100 Talks conversation titled “The Future of Finance: Can Regulation Power Innovation?” on Saturday, April 26, where some of crypto’s most influential players gathered ahead of the White House Correspondents’ Dinner to dig into the current debate over digital asset regulation that could well shape the next chapter of finance and economic progress for decades to come.The panel was moderated by TIME technology correspondent Andrew R. Chow and featured Dante Disparte, the chief strategy officer at Circle—the sponsor of the event—acting Commodity Futures Trading Commission (CFTC) chair Caroline Pham, former Federal Deposit Insurance Corporation (FDIC) chair Jelena McWilliams, and former White House National Security Council special adviser Carole House. The panelists agreed that a focused, narrow bill regulating stablecoins could help cement the U.S. dollar’s dominance in a digital future. They argued that Congress should pass stablecoin legislation now, before broader fights over crypto market structure derail the opportunity.“Having worked in the Senate on many legislative efforts, it's hard to get a bill passed,” McWilliams said with a chuckle. “You get done what you can get done, and you call it a victory.”But despite the broad consensus on the issue, the road to regulation is tricky. Recent reports detail how some crypto companies and lobbyists have pushed to pair stablecoin legislation with a broader, more complex market structure bill—an approach the panelists appeared to oppose. “It would be an utter mistake to try to create a joint and severable model where stablecoins and market structure go side by side,” Disparte said. “It would deny the President a bipartisan legislative win… The stablecoin bill is ready to go and the President wants it on his desk to sign. They can do it before the summer recess, and there's energy—and I think a deep national security imperative to get it right.”Indeed, there appears to be a growing energy around crypto in Washington. Trump, who once called Bitcoin a “scam,” has embraced the industry—and the industry has embraced him right back. During the 2024 election cycle, crypto companies and executives poured tens of millions into campaign donations, helping usher in a Congress far more friendly to digital assets. In March, Trump said that he hoped to sign stablecoin legislation by August. Since then, both the House and Senate have advanced bills—the STABLE Act and the GENIUS Act—out of committee, setting the stage for what could be the first major piece of crypto legislation in U.S. history.At its core, a stablecoin is a digital token pegged to a fiat currency like the U.S. dollar, designed to offer the speed and accessibility of crypto without the volatility of assets like Bitcoin or Ethereum. Today, stablecoins represent a $238 billion market—up from $152 billion just a year ago—and are increasingly used for everything from cross-border payments to decentralized finance. Supporters argue that they could bolster the dollar’s global standing, provide lifelines to inflation-stricken economies, and modernize the U.S. financial system.“To me, the key question here is not really the vehicle, but we have to focus on the outcome and the prize,” Pham said. “The prize here is that good regulations are good. Anybody who thinks that you're going to [have a] money or banking system with no regulations is ridiculous.”Stablecoin regulation, the panelists argued, isn’t just about innovation. It’s also about financial stability, national security, and global competitiveness. “We need to be able to provide for instant payment at the speed of the Internet and at the speed of human need,” Disparte said. “Domestically, it's a misery to move money fast.”House agreed that the moment to act had finally arrived, noting that stablecoin legislation has been debated for three consecutive Congresses, stalling each time over partisan divisions and industry infighting. “This has been the low-hanging fruit,” she said. “I'm delighted that we're finally going to get it, but I agree that it would be a mistake [to pass both bills together].”Still, not everything about the pending bills inspires confidence. Some panelists raised alarms about a provision in the Senate’s GENIUS Act that would allow foreign stablecoin issuers to apply for U.S. licenses directly through the Treasury Department—without the same oversight faced by domestic firms. That, they warned, could open the door to major players like Tether, an international cryptocurrency whose opaque reserve practices and regulatory controversies have long worried U.S. officials.Asked by Chow, the author of Cryptomania, whether a foreign issuer should be able to put out a stablecoin in the U.S. without direct supervision of the U.S. authorities, Disparte warned that letting foreign issuers operate under looser rules could weaken trust in U.S. dollar-backed assets. “I cannot build a car without an airbag and then drop it on the streets of the United States without complying to our safety standards,” he said. “What's the incentive to stay in the U.S. if a bill is passed that allows an offshore issuer to have free access to the US banking system? … Wouldn't it be nice if the rest of this largely amorphous industry also planted flags in the United States? You should not be able to counterfeit the U.S. dollar anywhere in the world and not obligate yourself to U.S. law and U.S. competitiveness.”House also stressed the dangers of creating an uneven playing field for U.S.-based firms, warning that if Congress creates a system where offshore stablecoin issuers have easier access than U.S. firms, that is “not, in fact, setting the stage for true competitiveness for U.S. markets.”Still, political complications loom. Trump’s own growing entanglement with the crypto industry—including the launch of a Trump-branded stablecoin through World Liberty Financial, the crypto venture backed by his family—has already sparked ethical concerns. Critics worry that Trump’s direct financial stake in a market he’s trying to regulate could complicate legislative efforts—or worse, politicize them.Pham, who was nominated by former President Joe Biden as CFTC commissioner and then designated acting chair by Trump, noted the current Administration has made crypto a much larger focus. “The previous Administration had been quite skeptical of the crypto industry, if not downright hostile,” she said. In contrast, she praised the Trump Administration’s openness, citing the first-ever White House Crypto Summit last month—just a day Trump signed an Executive Order establishing a "Strategic Bitcoin Reserve."“It was the first time to be there in the room with these new market participants in an open and welcoming way without stigma,” Pham said. She emphasized the need for “a principles-based regulatory framework that allows for fair competition and responsible innovation,” adding that the CFTC had already rescinded crypto-related advisories from 2018 to reflect how much the market has evolved.McWilliams, the former FDIC chair, echoed that sentiment: “The crypto revolution, or cryptopalooza, is happening,” she said, adding that “if you're not at the table, you're on the table.”TIME100 Talks - The Future of Finance: Can Regulation Power Innovation? was presented by Circle.