• Gypsy Review: Audra McDonalds Turn on Broadway
    www.wsj.com
    The six-time Tony winner takes furious hold of a legendary role in George C. Wolfes revival of the classic American musical.
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  • A Home for the Holidays Review: Moms Secret Song
    www.wsj.com
    In Taylor Hahns bittersweet holiday tale, a musician gets a fresh perspective on her late mothers life and dreams.
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  • Fiction: Brightly Shining by Ingvild Rishi
    www.wsj.com
    Plus Time of the Child by Niall Williams and Eclipse by Keiichiro Hirano.
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  • Home Assistants Voice Preview Edition is a little box with big privacy powers
    arstechnica.com
    Home Assistant Voice Preview Edition Home Assistants Voice Preview Edition is a little box with big privacy powers Home Assistants voice device is a $60 box thats both focused and evolving. Kevin Purdy Dec 19, 2024 4:00 pm | 53 Credit: Home Assistant Foundation Credit: Home Assistant Foundation Story textSizeSmallStandardLargeWidth *StandardWideLinksStandardOrange* Subscribers only Learn moreHome Assistant announced today the availability of the Voice Preview Edition, its own design of a living-room-friendly box to offer voice assistance with home automation. Having used it for a few weeks, it seems like a great start, at least for those comfortable with digging into the settings. That's why Home Assistant is calling it a "Preview Edition."Using its privacy-minded Nabu Casa cloudor your own capable computerto handle the processing, the Voice Preview Edition (VPE) ($60/60 euros, available today) has the rough footprint of a modern Apple TV but is thinner. It works similarly to an Amazon Echo, Google Assistant, or Apple Siri device, but with a more focused goal. Start with a wake wordthe default, and most well-trained version, is "Okay, Nabu," but "Hey, Jarvis" and "Hey, Mycroft" are available. Follow that with a command, typically something that targets a smart home device: "Turn on living room lights," "Set thermostat to 68," "Activate TV time." And then, that thing usually happens. Home Assistant's Voice Preview Edition, doing what it does best. I had to set a weather service to an alias of "the weather outside" to get that response worked out. "That thing" is primarily controlling devices, scenes, and automations around your home, set up in Home Assistant. That means you have to have assigned them a name or alias that you can remember. Coming up with naming schemes is something you end up doing in big-tech smart home systems, too, but it's a bit more important with the VPE.You won't need to start over with all your gear if you've got a Google Home, Alexa, or Apple Home ecosystem, at least. Home Assistant has good "bridge" options built into it for connecting all the devices you've set up and named inside those ecosystems.It's important to have a decently organized smart home set up with a VPE box, because it doesn't really do much else, for better or worse. Unless you hook it up to an AI model.The voice device that is intentionally not very chattyThe VPE box can run timers (with neat LED ring progress indicators), and with a little bit of settings tweaking, you can connect it to Home Assistant's built-in shopping lists and task lists or most any other plug-in or extension of your system. If you're willing to mess with LLMslike ChatGPT or Google's Geminilocally or through cloud subscriptions, you could trigger prompts with your voice, though performance will vary. Home Assistant's Voice Preview Edition, not quite sure what to do with non-home-related questions. What else does Home Assistant's hardware do? Nothing, at least by default. It listens for its prompt, it passes them onto a Home Assistant server, and that's it. You can't ask it how tall Buffalo Bills quarterback Josh Allen is or how many consecutive Super Bowls the Bills lost. It won't do simple math calculations or metric conversions. It cannot tell you whether you should pack an umbrella tomorrow or a good substitute if you're out of eggs.For some people either hesitant to bring a voice device into their home or fatigued by the failures of supposedly "smart" assistants that can seem quite dumb, this might be perfect. When the Home Assistant VPE hears me clearly (more on that in a moment), it almost always understands what I'm saying, so long as I remember what I named everything.There were times during the month-long period when I muted Google Assistant and stuck with Home Assistant that I missed the ability to ask questions I would normally just look up on a search engine. The upside is that I didn't have to sit through 15 seconds of Google explaining at length something I didn't ask for.If you want the VPE to automatically fall back to AI for answering non-home-specific questions, you can set that up. And that's something we'll likely dig into for a future post.The hardware Home Assistant's Voice Preview Edition device, with Apple TV (4K, 2022) for scale. Kevin Purdy Home Assistant's Voice Preview Edition device, with Apple TV (4K, 2022) for scale. Kevin Purdy Tape measure, for scale. Kevin Purdy Tape measure, for scale. Kevin Purdy Three-quarters product image with mute switch showing. Home Assistant Foundation Three-quarters product image with mute switch showing. Home Assistant Foundation Tape measure, for scale. Kevin Purdy Three-quarters product image with mute switch showing. Home Assistant Foundation The side speakers on the Voice Preview Edition. Do not tuck this thing into a corner. Home Assistant Foundation A Grove port on the bottom of the VPE offers hardware tinkerers intriguing access. Home Assistant Foundation As a product you want to keep somewhere it can hear you, the Home Assistant VPE blends in, is reasonably small, and has more useful buttons and switches than the competition. It looks entirely innocuous sitting on a bookshelf, entertainment center, kitchen counter, or wall mount. It's quite nice to pay for a functional device that has absolutely no branding visible.There are four neat things on top. First is two microphone inputs, which are pretty important. There's an LED ring that shows you the VPE is listening by spinning, then spinning the other way to show that it's "thinking" and reversing again when responding. A button in the middle can activate the device without speech or cancel a response.Best of all, there is a physically rotating dial wheel around the button. It feels great to spin, even if it's not something you'll need to do very often.Around the sides is clear plastic, with speaker holes on three sides. The speakers are built specifically for voice clarity, according to Home Assistant, and I agree. I can always hear what the VPE is trying to tell me, at any distance in my living room.There's a hardware mute switch on one side, with USB-C inputs (power and connection) and a stereo headphone/speaker jack. On the bottom is a grove port for deeper development.Hearing is still the challengeThe last quasi-official way to get a smart speaker experience with Home Assistant was the ESP32 S3 Box 3, which was okay or decent in a very quiet room or at dining room table distance. The VPE is a notable improvement over that device in both input and output. If I make a small effort to speak clearly and enunciate, it catches me pretty much everywhere in my open-plan living room/dining room/kitchen. It's not too bad at working around music or TV sound, either, so long as that speaker is not between me and the VPE box. It is best with its default wake phrase, "Okay, Nabu," because that's the most trained and sampled by the Open Wake Word community.And yet, every smart speaker I've had in my home at some pointa Google Home/Nest Mini, Amazon Echo (full-size or Dot), Apple HomePod (original), the microphones on Sonos speakershas seemed better at catching its wake word, given similar placement as the VPE. After all, Home Assistant, a not-for-profit foundation, cannot subsidize powerful microphone arrays with advertising, Prime memberships, or profitable computer hardware ecosystems. I don't have lab tests to prove this, just my own experienceswith my particular voice, accent, phrasing, room shape, and noise levels.Ive been using this device with pre-release firmware and software, and its under active development, so it will almost certainly get better. But as a device you can buy and set up right now, its very closebut not quiteto the level of the big ecosystems. It is notably better than the hodgepodge of other devices you can technically use with Home Assistant voice prompts.Is it better for my privacy that the VPE is not great at being triggered by ambient speech in the room? Maybe. At the same time, I'm more likely to switch away from said big-tech voice devices only if I don't feel like I have to say everything twice or three times.Its fun to craft your own voice systemI've been able to use the VPE on a bookshelf in my living room for weeks, asking it to turn on lights, adjust thermostats, set scenes with blinds and speakers, and other automations, and the successes are far more common than failures. I still want to test some different placements and try out local hardware processing (requiring an Intel N100 or better for common languages), since I've only tested it with Home Assistant's cloud servers, the generally faster solution.The best things about the VPE are not the things you'll notice by looking at or speaking to it. It's a smart speaker that seems a lot more reasonable for private places, especially if you're running on local hardware. It's not a smart speaker that is going to read you an entire Wikipedia page when it misunderstands what you want. And it doesn't demand you to use an app tied into an ecosystem to use, other than the web app running off your Home Assistant server.Paulus Schoutsen said on the VPE's launch stream that the VPE might not be the best choice for someone switching over from an established Google/Amazon/Apple ecosystem. That might be true, but I think the VPE also works as a single-user device at a desk, or for anyone who's been waiting to step into voice but concerned about privacy, ecosystem lock-in, or their kids' demands to play Taylor Swift songs on repeat.This post was update at 5 p.m. to note the author's wake word experience may relate to his voice and room characteristics.Kevin PurdySenior Technology ReporterKevin PurdySenior Technology Reporter Kevin is a senior technology reporter at Ars Technica, covering open-source software, PC gaming, home automation, repairability, e-bikes, and tech history. He has previously worked at Lifehacker, Wirecutter, iFixit, and Carbon Switch. 53 Comments
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  • Does Desktop AI Come With a Side of Risk?
    www.informationweek.com
    Artificial intelligence capabilities are coming to a desktop near you with Microsoft 365 Copilot, Google Gemini with Project Jarvis, and Apple Intelligence all arriving (or having arrived). But what are the risks?
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  • Stonehenge may have been built to unify people of ancient Britain
    www.newscientist.com
    The stones that make up Stonehenge came from all over BritainHeritage Image Partnership Ltd /AlamyStonehenge may have been built to symbolise a unification in Stone Age Britain. The idea could explain why so many of the stones making up the monument were brought in over huge distances.Located on Salisbury plain in southern England, Stonehenge seems to have been built in phases between 3100 and 1600 BC. There is an outer ring of vertical sarsen stones topped by horizontal lintels; inside that is a smaller ring of vertical bluestones and a number of other stones, including a horizontal
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  • Can you and your family solve these mind-bending scientific riddles?
    www.newscientist.com
    MindFeaturing everything from eggnog to uranium oxide, these 12 brain-twisting conundrums will get you in the festive spirit and test your scientific knowledge 11 December 2024 Kyle EllingtonHere are the questions. The answers can be found at the bottom of this page, but dont scroll down until youve given them a good go.1. Uncle Johannes has outdone himself this year, serving up an eight-course Christmas feast (though some of the dishes are a little unusual). In order, the first seven courses are: mousse, vol-au-vents, eggnog, milkshake, jelly, soup and upside-down cake. What might the final course be?2. This entity can be found travelling at near the speed of light under the Swiss-French border. Change one letter and you get the name of something it turns into. What are these two things?3. What does this code, which might be delivered to you upon opening your front door, represent? (Hint: 262 usually appears in the middle.)587 / 523 494 523 587 494 523 / 494 440 494 523 440 494 / 440 392 440 494 392 440 / 392 370 392 440 370 392 / 370 330 349 392 330 370 / 330 2944. After the frontal lobe makes a call and the limbic system sends a signal, 15 facial muscles contract, including the zygomaticus major. The muscles between the ribs spasm, forcing air out of the lungs. Speech may become strained and reach a higher pitch than normal. Tears may emerge. But there is no reason to be alarmed. Why?5. All three of the following describe different objects that share a name, and all might be seen during December at least in the northern hemisphere. What is the name? A mixture including emulsified vitellus, crystalline sucrose, alcohol and acid A
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  • Who were the enigmatic Sea Peoples blamed for the Bronze Age collapse?
    www.newscientist.com
    HumansAround 3000 years ago, several empires and kingdoms in the Mediterranean collapsed, with a group of sea-faring warriors implicated as the culprit. But new evidence shows that many of our ideas about this turbulent time need completely rethinking 8 May 2024 Coke NavarroRamesses III was one of Egypts great warrior pharaohs. A temple he built at Medinet Habu, near the Valley of the Kings, highlights why. On its walls, carvings tell the story of a coalition of fighters that swept across the eastern Mediterranean 3200 years ago, destroying cities, states and even whole empires. No land could stand before their arms, this account tells us. Eventually, the invaders known today as the Sea Peoples attacked Egypt. But Ramesses III succeeded where others had failed and crushed them.In the 200 years since hieroglyphics were first deciphered, allowing us to read Ramesses IIIs extraordinary story, evidence has come to light to corroborate it. We now know of numerous cities and palaces across the eastern Mediterranean that were destroyed around that time, with the Sea Peoples often implicated. So widespread was the devastation that, for one of the only times in history, several complex societies went into a steep decline from which they never recovered. Little wonder, then, that this so-called Late Bronze Age collapse has fascinated scholars for decades. So, too, has the identity of the mysterious sea-faring marauders.Today, new genetic and archaeological evidence is giving us the firmest picture yet about what really went on at this dramatic time and who, or what, was responsible. This shows that many of our ideas about the Sea Peoples and the collapse need completely rethinking.
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  • Digital twins of human organs are here. Theyre set to transform medical treatment.
    www.technologyreview.com
    A healthy heart beats at a steady rate, between 60 and 100 times a minute. Thats not the case for all of us, Im reminded, as I look inside a cardboard box containing around 20 plastic heartseach a replica of a real human one. The hearts, which previously sat on a shelf in a lab in West London, were generated from MRI and CT scans of people being treated for heart conditions at Hammersmith Hospital next door. Steven Niederer, a biomedical engineer at the Alan Turing Institute and Imperial College London, created them on a 3D printer in his office. One of the hearts, printed in red recycled plastic, looks as I imagine a heart to look. It just about fits in my hand, and the chambers have the same dimensions as the ones you might see in a textbook. Perhaps it helps that its red. The others look enormous to me. One in particular, printed in black plastic, seems more than twice the size of the red one. As I find out later, the person who had the heart it was modeled on suffered from heart failure. The plastic organs are just for educational purposes. Niederer is more interested in creating detailed replicas of peoples hearts using computers. These digital twins are the same size and shape as the real thing. They work in the same way. But they exist only virtually. Scientists can do virtual surgery on these virtual hearts, figuring out the best course of action for a patients condition. After decades of research, models like these are now entering clinical trials and starting to be used for patient care. Virtual replicas of many other organs are also being developed. Engineers are working on digital twins of peoples brains, guts, livers, nervous systems, and more. Theyre creating virtual replicas of peoples faces, which could be used to try out surgeries or analyze facial features, and testing drugs on digital cancers. The eventual goal is to create digital versions of our bodiescomputer copies that could help researchers and doctors figure out our risk of developing various diseases and determine which treatments might work best. Theyd be our own personal guinea pigs for testing out medicines before we subject our real bodies to them. To engineers like Niederer, its a tantalizing prospect very much within reach. Several pilot studies have been completed, and larger trials are underway. Those in the field expect digital twins based on organs to become a part of clinical care within the next five to 10 years, aiding diagnosis and surgical decision-making. Further down the line, well even be able to run clinical trials on synthetic patientsvirtual bodies created using real data. But the budding technology will need to be developed carefully. Some worry about who will own this highly personalized data and how it could be used. Others fear for patient autonomywith an uncomplicated virtual record to consult, will doctors eventually bypass the patients themselves? And some simply feel a visceral repulsion at the idea of attempts to re-create humans in silico. People will say I dont want you copying me, says Wahbi El-Bouri, who is working on digital-twin technologies. They feel its a part of them that youve taken. Getting digital Digital twins are well established in other realms of engineering; for example, they have long been used to model machinery and infrastructure. The term may have become a marketing buzzword lately, but for those working on health applications, it means something very specific. We can think of a digital twin as having three separate components, says El-Bouri, a biomedical engineer at the University of Liverpool in the UK. The first is the thing being modeled. That might be a jet engine or a bridge, or it could be a persons heart. Essentially, its what we want to test or study. The second component is the digital replica of that object, which can be created by taking lots of measurements from the real thing and entering them into a computer. For a heart, that might mean blood pressure recordings as well as MRI and CT scans. The third is new data thats fed into the model. A true digital twin should be updated in real timefor example, with information collected from wearable sensors, if its a model of someones heart. Taking measurements of airplanes and bridges is one thing. Its much harder to get a continuous data feed from a person, especially when you need details about the inner functions of the heart or brain. And the information transfer should run both ways. Just as sensors can deliver data from a persons heart, the computer can model potential outcomes to make predictions and feed them back to a patient or health-care provider. A medical team might want to predict how a person will respond to a drug, for example, or test various surgical procedures on a digital model before operating in real life. By this definition, pretty much any smart device that tracks some aspect of your health could be considered a kind of rudimentary digital twin. You could say that an Apple Watch fulfills the definition of a digital twin in an unexciting way, says Niederer. It tells you if youre in atrial fibrillation or not. But the kind of digital twin that researchers like Niederer are working on is far more intricate and detailed. It could provide specific guidance on which disease risks a person faces, what medicines might be most effective, or how any surgeries should proceed. Were not quite there yet. Taking measurements of airplanes and bridges is one thing. Its much harder to get a continuous data feed from a person, especially when you need details about the inner functions of the heart or brain, says Niederer. As things stand, engineers are technically creating patient-specific models based on previously collected hospital and research data, which is not continually updated. The most advanced medical digital twins are those built to match human hearts. These were the first to be attempted, partly because the heart is essentially a pumpa device familiar to engineersand partly because heart disease is responsible for so much ill health and death, says El-Bouri. Now, advances in imaging technology and computer processing power are enabling researchers to mimic the organ with the level of fidelity that clinical applications require. Building a heart The first step to building a digital heart is to collect images of the real thing. Each team will have its own slightly different approach, but generally, they all start with MRI and CT scans of a persons heart. These can be entered into computer software to create a 3D movie. Some scans will also highlight any areas of damaged tissue, which might disrupt the way the electrical pulses that control heart muscle contraction travel through the organ. The next step is to break this 3D model down into tiny chunks. Engineers use the term computational mesh to describe the result; it can look like an image of the heart made up of thousands of 3D pieces. Each segment represents a small collection of cells and can be assigned properties based on how well they are expected to propagate an electrical impulse. Its all equations, says Natalia Trayanova, a biomedical engineering professor based at Johns Hopkins University in Baltimore, Maryland. This computer model of the human heart show how electrical signals pass through heart tissue. The model was created by Marina Strocchi, who works with Steven Niederer at Imperial College London.COURTESY OF MARINA STROCCHI As things stand, these properties involve some approximation. Engineers will guess how well each bit of heart works by extrapolating from previous studies of human hearts or past research on the disease the person has. The end result is a beating, pumping model of a real heart. When we have that model, you can poke it and prod it and see under what circumstances stuff will happen, says Trayanova. Her digital twins are already being trialed to help people with atrial fibrillation, a fairly common condition that can trigger an irregular heartbeattoo fast or all over the place. One treatment option is to burn off the bits of heart tissue responsible for the disrupted rhythm. Its usually left to a surgical team to figure out which bits to target. For Trayanova, the pokes and prods are designed to help surgeons with that decision. Scans might highlight a few regions of damaged or scarred tissue. Her team can then construct a digital twin to help locate the underlying source of the damage. In total, the tool will likely suggest two or three regions to destroythough in rare instances, it has shown many more, says Trayanova: They just have to trust us. So far, 59 people have been through the trial. More are planned. In cases like these, the models dont always need to be continually updated, Trayanova says. A heart surgeon might need to run simulations only to know where to implant a device, for example. Once that operation is over, no more data might be needed, she says. Quasi patients At his lab on the campus of Hammersmith Hospital in London, Niederer has also been building virtual hearts. He is exploring whether his models could be used to find the best place to implant pacemakers. His approach is similar to Trayanovas, but his models also incorporate ECG data from patients. These recordings give a sense of how electrical pulses pass through the heart tissue, he says. So far, Niederer and his colleagues have published a small trial in which models of 10 patients hearts were evaluated by doctors but not used to inform surgical decisions. Still, Niederer is already getting requests from device manufacturers to run virtual tests of their products. A couple have asked him to choose places where their battery-operated pacemaker devices can sit without bumping into heart tissue, he says. Not only can Niederer and his colleagues run this test virtually, but they can do it for hearts of various different sizes. The team can test the device in hundreds of potential locations, within hundreds of different virtual hearts. And we can do it in a week, he adds. This is an example of what scientists call in silico trialsclinical trials run on a computer. In some cases, its not just the trials that are digital. The volunteers are, too. El-Bouri and his colleagues are working on ways to create synthetic participants for their clinical trials. The team starts with data collected from real people and uses this to create all-new digital organs with a mishmash of characteristics from the real volunteers. These in silico trials could be especially useful for helping us figure out the best treatments for pregnant peoplea group that is notoriously excluded from many clinical trials. Specifically, one of El-Bouris interests is stroke, a medical emergency in which clots or bleeds prevent blood flow in parts of the brain. For their research, he and his colleagues model the brain, along with the blood vessels that feed it. You could create lots and lots of different shapes and sizes of these brains based on patient data, says El-Bouri. Once he and his team create a group of synthetic patient brains, they can test how these clots might change the flow of blood or oxygen, or how and where brain tissue is affected. They can test the impact of certain drugs, or see what might happen if a stent is used to remove the blockage. For another project, El-Bouri is creating synthetic retinas. From a starting point of 100 or so retinal scans from real people, his team can generate 200 or more synthetic eyes, just like that, he says. The trick is to figure out the math behind the distribution of blood vessels and re-create it through a set of algorithms. Now he is hoping to use those synthetic eyes in drug trialsamong other things, to find the best treatment doses for people with age-related macular degeneration, a common condition that can lead to blindness. These in silico trials could be especially useful for helping us figure out the best treatments for pregnant peoplea group that is notoriously excluded from many clinical trials. Thats for fear that an experimental treatment might harm a fetus, says Michelle Oyen, a professor of biomedical engineering at Wayne State University in Detroit. Oyen is creating digital twins of pregnancy. Its a challenge to get the information needed to feed the models; during pregnancy, people are generally advised to avoid scans or invasive investigations they dont need. Were much more limited in terms of the data that we can get, she says. Her team does make use of ultrasound images, including a form of ultrasound that allows the team to measure blood flow. From those images, they can see how blood flow in the uterus and the placenta, the organ that supports a fetus, might be linked to the fetuss growth and development, for example. For now, Oyen and her colleagues arent creating models of the fetuses themselvestheyre focusing on the fetal environment, which includes the placenta and uterus. A baby needs a healthy, functioning placenta in order to survive; if the organ starts to fail, stillbirth can be the tragic outcome. Oyen is working on ways to monitor the placenta in real time during pregnancy. These readings could be fed back to a digital twin. If she can find a way to tell when the placenta is failing, doctors might be able to intervene to save the baby, she says. I think this is a game changer for pregnancy research, she adds, because this basically gives us ways of doing research in pregnancy that [carries a minimal] risk of harm to the fetus or of harm to the mother. In another project, the team is looking at the impact of cesarean section scars on pregnancies. When a baby is delivered by C-section, surgeons cut through multiple layers of tissue in the abdomen, including the uterus. Scars that dont heal well become weak spots in the uterus, potentially causing problems for future pregnancies. By modeling these scars in digital twins, Oyen hopes to be able to simulate how future pregnancies might pan out, and determine if or when specialist care might be called for. Eventually, Oyen wants to create a full virtual replica of the pregnant uterus, fetus and all. But were not there yetwere decades behind the cardiovascular people, she says. Thats pregnancy research in a nutshell, she adds. Were always decades behind. Twinning Its all very well to generate virtual body parts, but the human body functions as a whole. Thats why the grand plan for digital twins involves replicas of entire people. Long term, the whole body would be fantastic, says El-Bouri. It may not be all that far off, either. Various research teams are already building models of the heart, brain, lungs, kidneys, liver, musculoskeletal system, blood vessels, immune system, eye, ear, and more. If we were to take every research group that works on digital twins across the world at the moment, I think you could put [a body] together, says El-Bouri. I think theres even someone working on the tongue, he adds. The challenge is bringing together all the various researchers, with the different approaches and different code involved in creating and using their models, says El-Bouri. Everything exists, he says. Its just putting it together thats going to be the issue. In theory, such whole-body twins could revolutionize health care. Trayanova envisions a future in which a digital twin is just another part of a persons medical recordone that a doctor can use to decide on a course of treatment. Technically, if someone tried really hard, they might be able to piece back who someone is through scans and twins of organs. Wahbi El-Bouri But El-Bouri says he receives mixed reactions to the idea. Some people think its really exciting and really cool, he says. But hes also met people who are strongly opposed to the idea of having a virtual copy of themselves exist on a computer somewhere: They dont want any part of that. Researchers need to make more of an effort to engage with the public to find out how people feel about the technology, he says. There are also concerns over patient autonomy. If a doctor has access to a patients digital twin and can use it to guide decisions about medical care, where does the patients own input come into the equation? Some of those working to create digital twins point out that the models could reveal whether patients have taken their daily meds or what theyve eaten that week. Will clinicians eventually come to see digital twins as a more reliable source of information than peoples self-reporting? Doctors should not be allowed to bypass patients and just ask the machine, says Matthias Braun, a social ethicist at the University of Bonn in Germany. There would be no informed consent, which would infringe on autonomy and maybe cause harm, he says. After all, we are not machines with broken parts. Two individuals with the same diagnosis can have very different experiences and lead very different lives. However, there are cases in which patients are not able to make decisions about their own treatmentfor example, if they are unconscious. In those cases, clinicians try to find a proxysomeone authorized to make decisions on the patients behalf. A digital psychological twin, trained on a persons medical data and digital footprint, could potentially act as a better surrogate than, for example, a relative who doesnt know the persons preferences, he says. If using digital twins in patient care is problematic, in silico trials can also raise issues. Jantina de Vries, an ethicist at the University of Cape Town, points out that the data used to create digital twins and synthetic quasi patients will come from people who can be scanned, measured, and monitored. This group is unlikely to include many of those living on the African continent, who wont have ready access to those technologies. The problem of data scarcity directly translates into technologies that are not geared to think about diverse bodies, she says. De Vries thinks the data should belong to the public in order to ensure that as many people benefit from digital-twin technologies as possible. Every record should be anonymized and kept within a public database that researchers around the world can access and make use of, she says. The people who participate in Trayanovas trials explicitly give me consent to know their data, and to know who they are [everything] about them, she says. The people taking part in Niederers research also provide consent for their data to be used by the medical and research teams. But while clinicians have access to all medical data, researchers access only anonymized or pseudonymized data, Niederer says. In some cases, researchers will also ask participants to consent to sharing their fully anonymized data in public repositories. This is the only data that companies are able to access, he adds: We do not share [our] data sets outside of the research or medical teams, and we do not share them with companies. El-Bouri thinks that patients should receive some form of compensation in exchange for sharing their health data. Perhaps they should get preferential access to medications and devices based on that data, he suggests. At any rate, [full] anonymization is tricky, particularly if youre taking patient scans to develop twins, he says. Technically, if someone tried really hard, they might be able to piece back who someone is through scans and twins of organs. When I looked at those anonymous plastic hearts, stored in a cardboard box tucked away on a shelf in the corner of an office, they felt completely divorced from the people whose real, beating hearts they were modeled on. But digital twins seem different somehow. Theyre animated replicas, digital copies that certainly appear to have some sort of life. People often think, Oh, this is just a simulation, says El-Bouri. But its a digital representation of an individual.
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  • 2025 Mortgage Rate Forecast: Will Homebuyers Finally Get Some Relief?
    www.cnet.com
    At the start of 2024, the path tolower mortgage ratesseemed relatively clear-cut: Official inflation would go down, theFederal Reservewould carry out more interest rate cuts and the cost of borrowing would gradually ease in 2025.That was then.Now, housing market experts aren't so certain. "Mortgage rates are not going to come down as much as we had expected, and affordability will still be a challenge," said Lisa Sturtevant, chief economist at real estate agency Bright MLS.Elevated mortgage rates aren't the only reason why homeownership has become largely inaccessible. As mortgage rates soared in 2022, home prices hit record highs and an inventory shortage persisted.Though mortgage rates have fallen from 2023 peaks, the decline has been slow and gradual. Over the past 12 months, the average 30-year fixed mortgage rate has fluctuated between 6.5% and 7.5%. Most housing economists had expected mortgage rates to drop to 6% by the end of 2024, moving into the mid-5% range in 2025. But mortgage rates recently jumped back up toward 7%.Now, forecasts show average 30-year fixed mortgage rates hovering around the mid-6% range for a while. Logan Mohtahsami, lead analyst at HousingWire, expects rates to range between 5.75% and 7.25% throughout the coming year.Many economists say President-elect Donald Trump'sproposed policies, which include tax cuts and sweeping tariffs, could stimulate demand, increase deficits and cause inflation to reheat. That could prompt the Fed to delay future rate reductions, keepingfinancing rates higher for longer.Trump promised that mortgage rates would return to their pandemic-era lows of around 3% under his administration, but that's unlikely to happen. Mortgage rates typically only fall that low during severe economic downturns. In fact, given the ongoing strength of the economy, the Federal Reserve isprojecting fewer interest rate cutsnext year.Even so, the Fed doesn't set mortgage rates directly, and neither does the White House lenders do. Mortgage interest rates are closely tied to the 10-year Treasury bond yield, and bond market investors drive yields higher or lower based on what they believe will happen in the future, not what's happening now."While there is uncertainty on the extent of the inflation impact of Trump's policies, higher inflation expectations tend to lead to higher bond yields and mortgage rates," saidBeth Ann Bovino, chief economist at U.S. Bank.How much can mortgage rates change in one year?Mortgage rates fluctuate daily, usually by just a few basis points (one basis point is equivalent to 0.01%). The mortgage market is also prone to volatility. Over the course of a year, mortgage rates can change a lot or not very much at all.Historically speaking, the biggest swings in mortgage rates were accompanied by economic catastrophes (e.g., surging inflation, the start of a recession, etc.) that drove bond yields significantly higher or lower for a sustained period of time.In 2022, for example, mortgage rates increased from around 3% to above 7% within the span of 10 months due to surging inflation and the Fed's aggressive rate hikes. That's a 4% difference in less than a year. Compare that to 2024: The difference between this year's peak (7.33%) and bottom (6.1%) is just over 1%.Mortgage rates might move in a similarly narrow range in 2025, particularly if economic growth remains steady and future data doesn't give investors cause for concern.But a new presidential administration, shifts in the geopolitical outlook and the potential for inflation to reignite all have the power to move mortgage rates by more than 1% in either direction, said Colin Roberston, founder of the housing market site The Truth About Mortgage.For example, in the dire scenario where the US moves toward a recession and inflation falls well below target, mortgage rates could get to the 4% range, according to Matt Graham of Mortgage News Daily. "In the opposite scenario, where the economy is strong, inflation persists and national deficits increase, mortgage rates could move toward or above 8%," Graham said. What would cause mortgage rates to increase in 2025?The same reason mortgage rates surged in 2022 is also what could cause them to increase next year: inflation.Inflation is a key measure of the health of the economy and influences the Fed's decision to adjust interest rates. It also impacts the bond market, where mortgage rates are determined. High inflation curtails investor demand for longer-term bonds, causing their prices to fall and mortgage rates to increase.Trump's proposals include a universal 20% tariff on all imports with a possible 60% tariff on imports from China. If implemented, these tariffs would be inflationary, as businesses are likely to pass those costs onto consumers and raise prices. Tax cuts could also decrease fiscal revenue and raise national deficits, resulting in higher long-term bond yields.The Fed has a 2% target rate for annual inflation. If the official inflation rate moves much higher than that in 2025, the central bank is less likely to enact interest rate cuts, which could put upward pressure on mortgage rates."At the most basic level, rates are always going to be influenced by the state of the economy and inflation," said Graham.What would cause mortgage rates drop in 2025?Lower mortgage rates next year are still possible, but a few conditions must be met first.Assuming Trump's policies don't supercharge inflation in 2025, it would take significantly weaker economic conditions (including a declining labor market) and a drop in 10-year Treasury yields to open the door to lower rates."If the unemployment rate rises or hiring slows considerably, then borrowing costs, including mortgage rates, could fall," said Sturtevant. The Fed typically responds to economic downturns by cutting interest rates, and banks and lenders typically pass along rate cuts to consumers in less expensive longer-term loans, including mortgages.In that case, 30-year fixed mortgage rates could fall just below 6%, Mohtashami said. But it's unlikely mortgage rates can move much lower than that unless new economic policies result in a meaningfully lower government debt deficit. What other factors are affecting the housing market in 2025?Even if average mortgage rates were to fall by 1% in 2025, it won't make homebuying affordable for most Americans, particularly low- and middle-income households.Since 2020, home prices have increased more than 40%. And while home price growth has since slowed, it's still up 5.1% on an annual basis. Prices are expected to increase by just under 2% in 2025, said Selma Hepp, chief economist at Core Logic.Part of the reason home prices are so high is that the housing market is short roughly one to four million houses. Over the last several years, new home construction has lagged due to rising construction costs and strict zoning regulations. When homebuying demand outweighs supply, prices go up.That applies to existing home inventory, as well. As most current homeowners have interest rates below 5%, they're less inclined to sell since it would mean buying a new home at a higher rate. Both the "rate-lock effect" and the lack of new housing construction have effectively frozen the housing market.While experts expect housing inventory to improve in 2025, it will take years to make up for the ground lost.Should you wait or buy in 2025?If you're one of the millions of would-be homeowners waiting for rates to drop, know that the macroeconomic issues plaguing the housing market today are out of your control. Only you can determine if you're financially ready to purchase a home and handle all its expenses. "In 2025, I would not focus on mortgage rates," said Jeb Smith, licensed real estate agent and member of CNET Money's expert review board. Smith recommends prioritizing things that can lower your individual mortgage rate, like saving for a bigger down payment and boosting your credit score.Instead of trying to time the real estate market, Smith said to focus on the factors you can actually control.More on today's housing market
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