内容摘要：Musk’s company said it is now making a number of changes, starting with publishing Grok system prompts openly on the software development site GitHub so that “the public will be able to review them and give feedback to every prompt change that we make to Grok. We hope this can help strengthen your trust in Grok as a truth-seeking AI.”

Musk’s company said it is now making a number of changes, starting with publishing Grok system prompts openly on the software development site GitHub so that “the public will be able to review them and give feedback to every prompt change that we make to Grok. We hope this can help strengthen your trust in Grok as a truth-seeking AI.”

The six largest BNPL providers — Affirm, Afterpay, Klarna, PayPal, Sezzle, and Zip — originated about 277.3 million loans for $33.8 billion in merchandise in 2022, or an amount equal to about 1% of credit card spending that year, according to theThe federal agency said this month it did not intend to enforce a

that was designed to put more boundaries around the fintech lenders.treated buy now, pay later loans like traditional credit cards under the Truth In Lending Act, requiring disclosures, refund processing, a formal dispute process and other protections.The regulation, which took effect last year, also prevented borrowers from being forced into automatic payments or charged with multiple fees for the same missed payment.

The Trump administration said its non-enforcement decision came “in the interest of focusing resources on supporting hard-working American taxpayers” and that it would “instead keep its enforcement and supervision resources focused on pressing threats to consumers, particularly servicemen and veterans.”Consumer advocates maintain that without federal oversight, customers seeking refunds or in search of clear information about BNPL fee structures and interest rates will have less legal recourse.

Industry watchers point to consumers taking out loans they can’t afford to pay back as a top risk of BNPL use. Without credit bureaus keeping track of the new form of credit, there are fewer safeguards and less oversight.

Justine Farrell, chair of the marketing department at the University of San Diego’s Knauss School of Business, said that when consumers aren’t able to make loan payments on time, it worsens the economic stress they’re already experiencing.KNOWLES: Some of them can be detrimental, and I go into detail about that because I realize that a teacher telling me that Beyoncé was slow in kindergarten and that she needs to repeat the grade and it’s December — that woman could have messed up my child’s life. We wouldn’t even have a Beyoncé today if I had listened to her.

You gotta fight for your kids. I hope that lesson came through loud and clear. … That was important to me because I see a lot of parents that don’t, and my mom didn’t protect me.Tina Knowles-- entrepreneur, fashion designer, philanthropist and mother of Beyoncé and Solange-- has released a book, ‘Matriarch: A Memoir,’ and says being chosen for Oprah’s Book Club is “a great way to start it off.” (April 22)

KNOWLES: By the time I finished the book and I was ready to share it with them, both of them were on these really crazy schedules and I just didn’t want them to feel, “Oh, I got to stop and go read a book.” So, I sent them all of their parts and they approved the parts.KNOWLES: No. They were in agreement with everything.