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"Parece que una gran parte de esta brecha entre conocimiento y desempeño se debe a que el animal está participando en una forma de exploración. Lo que el animal está haciendo es muy inteligente", afirma. El laboratorio de Kuchibhotla ya había descubierto anteriormente que los animales saben mucho más sobre de lo que demuestran en sus pruebas. El equipo tenía dos teorías sobre lo que podría haber detrás de esta brecha. O los ratones estaban cometiendo errores porque estaban estresados, o estaban haciendo algo más: explorar y probar sus conocimientos.
De la serie: MI PERRO SE COMIÓ LOS DEBERES
FED NOTESWhy hundreds of U.S. banks may be at risk of failureHundreds of small and regional banks across the U.S. are feeling stressed.“You could see some banks either fail or at least, you know, dip below their minimum capital requirements,” Christopher Wolfe, managing director and head of North American banks at Fitch Ratings, told CNBC.Consulting firm Klaros Group analyzed about 4,000 U.S. banks and found 282 banks face the dual threat of commercial real estate loans and potential losses tied to higher interest rates.The majority of those banks are smaller lenders with less than $10 billion in assets.“Most of these banks aren’t insolvent or even close to insolvent. They’re just stressed,” Brian Graham, co-founder and partner at Klaros Group, told CNBC. “That means there’ll be fewer bank failures. But it doesn’t mean that communities and customers don’t get hurt by that stress.”Graham noted that communities would likely be affected in ways that are more subtle than closures or failures, but by the banks choosing not to invest in such things as new branches, technological innovations or new staff.For individuals, the consequences of small bank failures are more indirect.“Directly, it’s no consequence if they’re below the insured deposit limits, which are quite high now [at] $250,000,” Sheila Bair, former chair of the U.S. Federal Deposit Insurance Corp., told CNBC.If a failing bank is insured by the FDIC, all depositors will be paid “up to at least $250,000 per depositor, per FDIC-insured bank, per ownership category.”
El pasado mes de febrero, el apartamento sufría una inundación de aguas fecales. “Se nos inundó toda la casa, una cosa rarísima porque es un cuarto. Estuvimos un mes entero sin agua, nos fuimos a un bungalow en el camping. Las fecales salían por la bañera, por el lavabo, el fregadero, se vertían a la calle a través de los tubos del aire acondicionado. En ese momento, mi casera me dice que no pague esos meses en compensación por las molestias y quedamos en que a cambio yo ponía de mi parte un mueble que había instalado en el baño”, explica.
Federal Reserve signals that interest rates will remain higher for longerUS central bank says there has been a ‘lack of further progress’ towards 2 per cent inflation goalThe Federal Reserve has signalled that US borrowing costs are likely to remain higher for longer, as a it wrestles with persistent inflation across the world’s biggest economy.The Federal Open Market Committee said after its meeting on Wednesday that there had been “a lack of further progress” towards its 2 per cent inflation goal in recent months — an addition to its statement that in effect delays rate cuts until the second half of this year at the earliest.“It is likely to take longer for us to gain confidence that we are on a sustainable path down to 2 per cent inflation,” Fed chair Jay Powell said during a news conference. “I don’t know how long it will take,” he added.But the Fed also indicated that it was not yet considering new rate rises to counter the recent uptick in inflation, saying that the risks to meeting its joint goals of full employment and subdued price pressures had “moved towards better balance over the past year”.“I think it’s unlikely that the next policy rate move will be a hike,” Powell said.The comments from Powell came as the US central bank held interest rates at 5.25 per cent to 5.5 per cent, a 23-year high that has been in place since the summer of 2023. The higher-for-longer rate signal from the Fed follows recent data showing that inflation had crept higher again, largely driven by costlier fuel, while the US economy grew more slowly in the first quarter of the year than expected.The comments from the central bank also mean that borrowing costs could remain higher for many US voters in the run-up to this year’s presidential election in November. President Joe Biden said recently that he “expected those rates to come down” this year.“The Fed’s room for manoeuvre has shrunk drastically, with inflation ticking up, growth slowing, and the political calendar becoming an increasingly tight constraint,” said Eswar Prasad, an economics professor at Cornell University.“The spectre of stagflation, which the Fed seemed to have decisively put behind it in 2023, is now back in the picture,” he added.The Fed also announced that from June it would reduce the cap on the amount of US Treasury bonds it allows to mature each month, without buying them back, from $60bn to $25bn. It would still allow up to $35bn in mortgage-backed securities to roll off the balance sheet. Any principal payments in excess of the $35bn cap would also be reinvested in Treasuries.In a market where some Treasury auctions are currently at record sizes, the slowdown in quantitative tightening could help bolster prices, and lower yields.US rate-setters had hoped to cut interest rates three times this year, but higher-than-expected inflation in recent months has raised the prospect that the Fed will keep borrowing costs at current levels for the duration of 2024.Ahead of the meeting, traders in the futures market were betting on between on and two cuts this year, with the first reduction not fully priced in until December.As Powell spoke on Wednesday, US stocks rose, reversing earlier losses, while Treasury yields dropped. The two-year yield, which moves with interest rate expectations, slid 0.09 percentage points to 4.94 per cent. Market expectations of rate cuts later this year, as observed in the futures market, were little moved in the middle of the press conference.The Fed statement on Wednesday came after recent price data showed its progress in lowering inflation in 2023 has stalled this year.The headline personal consumption expenditures measure, on which the Fed’s 2 per cent goal is based, edged up in March — to 2.7 per cent, from 2.5 per cent in the year to February. Rate-setters’ preferred gauge of underlying price pressures, core PCE, which strips out volatile food and energy prices, was unchanged at 2.8 per cent.While the progress on inflation has stalled, economic growth has also fallen back, with gross domestic product dropping in the most recent quarter to an annualised rate of 1.6 per cent, down from 3.4 per cent in the fourth quarter of 2023.Analysts have also warned that turmoil in the Middle East could push oil prices higher, adding to inflation for other goods.The jump in fuel costs led some analysts to warn about the prospect of “stagflation” if energy prices continued to rise while economic growth cooled.
Google Urges US To Update Immigration Rules To Attract More AI TalentPosted by msmash on Wednesday May 01, 2024 @02:01PM from the tussle-continues dept.The US could lose out on valuable AI and tech talent if some of its immigration policies are not modernized, Google says in a letter sent to the Department of Labor. From a report:CitarGoogle says policies like Schedule A, a list of occupations the government "pre-certified" as not having enough American workers, have to be more flexible and move faster to meet demand in technologies like AI and cybersecurity. The company says the government must update Schedule A to include AI and cybersecurity and do so more regularly."There's wide recognition that there is a global shortage of talent in AI, but the fact remains that the US is one of the harder places to bring talent from abroad, and we risk losing out on some of the most highly sought-after people in the world," Karan Bhatia, head of government affairs and public policy at Google, tells The Verge. He noted that the occupations in Schedule A have not been updated in 20 years.Companies can apply for permanent residencies, colloquially known as green cards, for employees. The Department of Labor requires companies to get a permanent labor certification (PERM) proving there is a shortage of workers in that role. That process may take time, so the government "pre-certified" some jobs through Schedule A. The US Citizenship and Immigration Services lists Schedule A occupations as physical therapists, professional nurses, or "immigrants of exceptional ability in the sciences or arts." While the wait time for a green card isn't reduced, Google says Schedule A cuts down the processing time by about a year.
Google says policies like Schedule A, a list of occupations the government "pre-certified" as not having enough American workers, have to be more flexible and move faster to meet demand in technologies like AI and cybersecurity. The company says the government must update Schedule A to include AI and cybersecurity and do so more regularly."There's wide recognition that there is a global shortage of talent in AI, but the fact remains that the US is one of the harder places to bring talent from abroad, and we risk losing out on some of the most highly sought-after people in the world," Karan Bhatia, head of government affairs and public policy at Google, tells The Verge. He noted that the occupations in Schedule A have not been updated in 20 years.Companies can apply for permanent residencies, colloquially known as green cards, for employees. The Department of Labor requires companies to get a permanent labor certification (PERM) proving there is a shortage of workers in that role. That process may take time, so the government "pre-certified" some jobs through Schedule A. The US Citizenship and Immigration Services lists Schedule A occupations as physical therapists, professional nurses, or "immigrants of exceptional ability in the sciences or arts." While the wait time for a green card isn't reduced, Google says Schedule A cuts down the processing time by about a year.
El organismo encabezado por Jerome Powell ha optado mantener los tipos de interés al nivel actual, entre el 5,25% y el 5,50%. Esa es la decisión unánime que han tomado los miembros de la Reserva Federal tras la reunión que han mantenido este miércoles. Pero en el comunicado, el Comité Federal de Mercado Abierto (FOMC, por sus siglas en inglés) ha destacado que "en los últimos meses, ha habido una falta de mayores avances hacia el objetivo de inflación del 2%", confirmando los temores de una resistencia de los precios. Todo ello, mientras los mercados siguen borrando bajadas de tipos en los próximos meses.