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Thousands of engineering construction workers ready to strike after … – Unite the union

Strike ballot of over 3,000 oil refinery and power station engineers enlarged as dispute grows

Thousands of engineering construction workers are ready to strike after they rejected aninadequatepay offer, with more set to be balloted, Unite, the UKs leading union, said today (Monday).

The workers, who operate under the National Agreement for the Engineering Construction Industry (NAECI), last week voted by 86 per cent to reject a two year pay offer of 10 per cent for 2024 and five per cent for 2025.

The offer, from the employers who negotiate the NAECI agreement with unions, does not go far enough to restore years of falling wages for engineering construction workers.

Since the pandemic, pay for engineering construction workers has fallen by 20 per cent in real terms. During Covid, a pay freeze was imposed on the workers even though they provided essential services throughout the crisis. In January 2022, they received a two year pay deal of 2.5 per cent for 2022 and the same percentage increase for 2023 even though inflation was soaring into double digits.

Unite general secretary Sharon Graham said:NAECI workers have seen their pay fall further and further behind in real terms as a result of the pandemic and the cost of living crisis. Meanwhile, most NAECI employers have benefited from huge profits generated from rocketing energy and fuel prices. NAECI contractors and clients can fully afford to put forward a better offer and this is what must happen.

Unites NAECI members carry out essential repair and maintenance at oil refineries, power stations and pharmaceutical and petro-chemical plants.

Workers at Drax, Sellafield, Stanlow, Pembroke, Grangemouth, Teesside Sabic TIP and Runcorn Project Summer Vynova have already voted for strike action.

Due to the strength of feeling amongst NAECI members, Unite is also preparing to ballot even more workers at other sites across the country to join any industrial action.

Unite national officer Jason Poulter said:There is a limited window of opportunity for NAECI contractors and clients to avoid widespread industrial unrest.

They have the money to ensure that our members rates are restored to their previous value. Their latest offer was inadequate and was overwhelmingly rejected by our members. They need to get back into negotiations and work with us to find an acceptable offer.

ENDS

UK oil refineries, power stations, chemical and pharma sites facing major strike disruption

For media enquires ONLY contact senior Unite communications officer Ryan Fletcher on07849 090215or020 3371 2065.

Email:[emailprotected]

Twitter: @unitetheunion Facebook: unitetheunion1 Instagram: unitetheunion

Web:unitetheunion.org

Unite is Britain and Irelands largest union with members working across all sectors of the economy. Thegeneral secretary is Sharon Graham.

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Digital engineering spend to reach $1.6 trillion by 2026 – Consulting.us

Zinnov, a Houston-based management consulting firm, projects the global digital engineering market will grow by 1.5 times to $1.6 trillion by 2026.

The firms study titled The Inevitable Rise and Impact of Digital Engineering found that digital engineering spend has stabilized at $810 billion, with a consistent CAGR of 22%.

North America will continue to be the top region for global engineering, research, and design (ER&D) spending in 2026, with a projected 55% of the global market. Hi-tech verticals will account for 58% of the digital engineering spend in 2026, followed by services-led and manufacturing-led verticals.

Zinnov notes there are five key digital transformation levers in the market: generative AI (genAI), hyperscalers, platformization, electrification, and software-defined vehicles.

GenAI emerged as the leading tech trend of 2023, and is transitioning from a consumer-focused technology toward significant enterprise adoption. Zinnov expects organizations to quadruple genAI investments over the next three years, with service providers leading the pack.Hyperscalers are large cloud service providers that can deliver computing and storage at enterprise scale. Zinnov says hyperscalers are extending their traditional offerings to including consulting, assessment, migration, deployment, and management as the global cloud market grows toward a projected $1.4 trillion by 2030.

Platformization is the integration of digital platforms in government frameworks, economic sectors and processes, and infrastructures.

The global EV market is shifting to mainstream adoption, with service providers playing a key role in electrification from electric powertrain design to battery development and comprehensive engineering solutions.

Software-defined vehicles (SDVs) is the growing shift to wedging connected, software platforms into vehicles. This allows companies like BMW to charge subscription fees for heated seats, but also opens the doors to autonomous driving, personalized infotainment, and advanced safety features. While in its early stages, SDVs are expected redefine how consumers interact with vehicles.

In the ever-evolving polycrisis, companies need to stay ahead of not just what their customers want but also predict what they might need all underpinned by technology. The global ER&D spend is a reflection of this as businesses worldwide continue to tap into Cloud, Generative AI, Metaverse, 5G, and Digital Thread both for their survival and growth, said Sidhant Rastogi, managing partner at Zinnov.

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Strathclyde engineer honoured for contribution to Science with … – University of Strathclyde

Zoe Shipton, Professor of Geological Engineering in the Department of Civil and Environmental Engineering at Strathclyde, is the recipient of the annual Fletcherof SaltounAward for Science.

The prestigiousawardis given in recognition of an outstanding contribution to Scotland's life and culture by The Saltire Society and involve nominations from national and international membership, a panel of experts who shortlist, with the final decision made by the Council.

Professor Shipton was nominated by a number of members and the culture organisations Council was unanimous in their support for theawardnoting her exceptional contribution.

Professor Shipton said: I am delighted to receive this award, and slightly star-struck by the calibre of the other award winners.

I am particularly delighted to see that the nomination mentions that the work I do is part of a team. Achieving the large-scale changes in our energy system and society that are needed to meet - and ideally exceed - our net zero targets requires close collaboration between academia, industry, government and civil society across a very wide range of disciplines.

My work has been supported by excellent researchers and colleagues from across science, engineering, social science disciplines and end-users from a wide range of applications.

Without this partnership approach I could not have achieved the research and research outcomes honoured in this award, so I consider this as an award for the team.

The charity announced a total of five recipients of this years Awards. Dr Scilla Elworthy, three times Nobel Peace Prize nominee for her work with Oxford Research Group and Great Tapestry of Scotland designer Andrew Crummy received awards for Public Life. Actor Maureen Beattie and poet Rab Wilson received awards for Arts & Humanities.

Established in 1988, the Awards recognise and celebrate the innovators and entrepreneurs who shape the cultural landscape of Scotland in the fields of Science, Arts & Humanities and Public Life. Andrew Fletcher of Saltoun (1655-1716) was an accomplished patriotic Scots writer, politician, soldier, Commissioner of the Old Parliament of Scotland and an innovative thinker and intellectual visionary. Previous recipients include Professor Sir Ian Boyd, John Byrne, Dame Evelyn Glennie and Professor Devi Sridhar.

Sarah Mason, Executive Director of the Saltire Society, said: We are delighted to have this opportunity to celebrate the innovators and Authorities in their fields we have in Scotland, and to recognise the impact they have. Since 1936 the Society has worked tirelessly to ensure Scottish culture is recognised, lived and fought for. The 35 years the Fletcher Awards have been running has seen over 60 people recognised and we are pleased to see five more exceptional people celebrated in 2023.

Professor Shiptons research focuses on applying geological understanding to engineering the subsurface: for instance in geothermal energy, energy storage and geological carbon storage. She, together with colleagues from academia and industry across Scotland, is exploring the use of abandoned and flooded coal mines in Scotland for geothermal heat extraction and energy storage, for use in domestic and industrial heatingand to also generate jobs and income.

The Professor also works on a wide range of topics such as novel engineering technology for deep geothermal energy, perception of risk, and minimising greenhouse gas emissions from geological engineering.

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1 Under-the-Radar Artificial Intelligence (AI) Stock to Buy Hand Over … – The Motley Fool

One of the lesser-known enterprise technology companies benefiting from artificial intelligence (AI) is ServiceNow (NOW 0.77%). The company specializes in business process automation across a variety of IT services.

Bill McDermott became CEO of ServiceNow back in October 2019 after a long, successful run at SAP. Since then, the stock is up over 160%. A good reason investors have enjoyed such robust returns is that ServiceNow has become on of the prominent players in digital transformation. Utilizing data to make more informed, impactful decisions is becoming increasingly important for businesses of all sizes. While there are a number of dashboarding tools and data analytics providers, ServiceNow has surfaced as one of the leading platforms due to its ever-evolving library of product offerings.

While the stock has been generous to investors for several years now, I think it could just be getting started. In fact, ServiceNow made The Fool's list of most undervalued growth stocks for 2023.

AI is a massive catalyst for the company, and its current financial and operating performance demonstrates that. While it may not be as well known as Microsoft, Alphabet, or Amazon, there is plenty of reason to believe that AI is helping ServiceNow evolve into an even more integral platform for businesses of all sizes. Let's assess if the stock deserves a spot in your portfolio.

As with its big tech counterparts, ServiceNow's management has been touting the prospects of AI for the last several months. The company derives revenue from two primary sources: subscriptions and professional services. Subscriptions represent high-margin recurring revenue streams, so investors tend to scrutinize trends in this metric.

For the quarter that ended Sept. 30, ServiceNow reported $2.2 billion in subscription revenue and 27% growth year over year. Even better is that the gross margin for subscription services clocked in at 81%. This high level of profitability has helped ServiceNow generate consistent positive free cash flow, which the company can use for share buybacks or to reinvest into new products and services.

During ServiceNow's Q3 earnings call, McDermott discussed why he thinks AI will help fuel continuous growth. Specifically, he referenced a study by IT research firm Gartner that estimates $3 trillion will be spent on AI-powered solutions between 2023 and 2027. Furthermore, McDermott proclaimed that AI "isn't a hype cycle; it is a generational movement."

Image source: Getty Images.

Software companies often spend a long time testing and demoing their products. Although this often makes the sales cycle and vendor procurement process long and arduous, it is paramount that devices and systems work together seamlessly. The various software platforms that companies rely on is called a tech stack. In a way, the tech stack represents the nuts and bolts that hold everything together. If important data is stored across multiple systems but cannot easily be stitched together, the tech stack probably isn't as well-managed as it could be. Despite this challenging process, ServiceNow is answering the call.

According to its Q3 earnings report, the company has released over 5,000 add-ons and new capabilities for its various modules in 2023 alone, many of which are rooted in generative AI. Moreover, investors learned that 18 of the company's top 20 net new annual contract value deals during Q3 involved eight products or more. This level of cross-selling is precisely why ServiceNow is generating high-double-digit top-line growth at a high margin.

This is an important dynamic because it shows how end-users of ServiceNow are outlaying a lot of capital up front. It's not uncommon for a software company to make a sale, and then try to cross-sell additional services after the initial deal (perhaps upon renewal of the contract). However, in ServiceNow's case, the company is doing a great job of penetrating customers more deeply during the early stages of customer acquisition. By capturing this level of customer value so early, ServiceNow is active beyond just one layer of the tech stack and evolving into what McDermott describes as a full-spectrum "intelligent super platform."

The chart below illustrates the price-to-free-cash-flow multiple for SeviceNow versus that of peers Salesforce.com, Workday, Atlassian, and Snowflake.

NOW Price to Free Cash Flow data by YCharts

Interestingly, ServiceNow's price-to-free-cash-flow multiple of 52 puts it in the middle of its peer set. Salesforce.com trades at a meaningful discount by this measure, but I'd argue that is because the company is more mature and less of a growth stock.

Given the overall haziness of the macroeconomy, I'd say ServiceNow is performing extremely well. I believe the stock has much more room to run due to the heightened interest in AI and its various use cases. As of now, companies are still spending quite a bit of time figuring out exactly how new breakthroughs in generative AI can best serve the business. For this reason, it's appropriate to think that ServiceNow's place in IT budgets and its role in the AI journey is just beginning.

Long-term investors should be excited about the company's ability to thrive in a market primarily dominated by big tech. I think that now is a terrific opportunity to initiate a position in ServiceNow, given its inroads into AI, strong financial position, and attractive valuation relative to its peers.

Suzanne Frey, an executive at Alphabet, is a member of The Motley Fools board of directors. John Mackey, former CEO of Whole Foods Market, an Amazon subsidiary, is a member of The Motley Fools board of directors. Adam Spatacco has positions in Alphabet, Amazon, and Microsoft. The Motley Fool has positions in and recommends Alphabet, Amazon, Atlassian, Microsoft, Salesforce, ServiceNow, Snowflake, and Workday. The Motley Fool recommends Gartner. The Motley Fool has a disclosure policy.

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Robinhood to launch crypto trading in EU even as cryptocurrency revenue slides almost 26% from last quarter – Fortune

Robinhood, the popular online stock brokerage perhaps best known for its role in the memestock craze of early 2021, announced in its third-quarter earnings report on Tuesday that it plans to launch crypto trading in the European Union in the coming weeks.

Looking ahead, we remain focused on providing industry-leading products that serve far more of customers financial needs, gaining market share, expanding internationally, and continuing to change the industry for the better, Vlad Tenev, CEO and cofounder, said in a statement.

The brokerage apps planned expansion of crypto trading, currently only available in the U.S., into Europe, however, accompanied a slide in in the platforms overall crypto trading revenuefrom $31 million in the previous quarter to $23 million, a 26% drop. Compared year-over-year, Robinhoods decrease in crypto revenue was even more dramatic: a 55% downswing from $51 million in 2022.

The number of crypto assets held on behalf of customers decreased about 11% from the previous quarter, from $11.5 billion to $10.2 billion, but there was a 9% year-over-year increase from $9.4 billion.

In addition to the crypto downtick, Robinhood reported a 4% decrease in revenue from the previous quarter, from $486 million to $467 million. The companys loss of $85 million for the third quarter, a per-share loss of nine cents, was below analysts estimates of two cents. In the second quarter of 2023, Robinhood posted a profit of $25 million. Shares plummeted as much as 7.5%, to $9.03, in after-market trading.

Robinhoods plan to expand crypto trading into Europe follows the companys announced expansion into the U.K. earlier this year. It is also one of the more ambitious crypto announcements to come out of the firm since it unveiled its crypto wallet in 2022, especially as the brokerage has scaled back offerings in the U.S. following enforcement actions from the Securities and Exchange Commission.

In June, the SEC sued Coinbase and Binance, two of the worlds biggest crypto exchanges, and argued that they allowed users to trade unregistered securities, including the tokens for the Solana, Polygon, and Cardano blockchains. Days later, Robinhood delisted the tokens from its crypto trading platform.

And in August, Robinhood and Jump Crypto, one of the largest market makers for crypto that has earned scrutiny from SEC for its association with TerraUSDs creator Do Kwon, were reportedly no longer in business together.

When asked about the downturn in the crypto market on an investor call following the third-quarter earnings release, Tenev, the CEO, said that we are focused on using this as an opportunity to build our capabilities to build our platform.

However, he said he believes that the expansion of crypto trading into Europewhere regulatory clarity, he said, will allow Robinhood to offer a different set of assets compared with the U.S.will open up the brokerages crypto business to hundreds of millions of new users.

As for the U.S., Tenev said Robinhood is still waiting for guidance from the government. It would be a shame, he said, for innovation in the cryptocurrency market to be coopted overseas.

Update, Nov. 7, 2023: This article has been updated with additional comments from Tenev.

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Are chatbots, super apps and AI the future of European marketplaces? – InternetRetailing

Marketplaces have evolved rapidly. This momentum has been maintained as they now embrace technology and new ways to sell.

The recently published European Marketplace 2023 report highlights some new technologies and even new business models that will be important as the sector evolves even further next year.

AI-powered recommendationsThe need to differentiate through better product recommendations in a crowded market and even using tech to appear to allow shoppers to spontaneously discover new things is about to step up thanks to artificial intelligence (AI).

Recommendation engines on marketplaces and retailer websites are nothing new but their level of sophistication is growing as ever-more powerful AI is brought to bear. This garners much deeper insights into consumer behaviour, allowing for much richer and more nuanced recommendations.

And its not just for existing customers. The holy grail is to be able to recommend things at least in the right ballpark to anonymous customers. Todays (and even more so, tomorrows) AI is starting to be able to do this by having the power to better understand what these new customers look at, where they linger and how they behave on the site. This can then help deliver much more intelligent suggestions and guide shoppers not just to products but also to discounts and offers and even to sign up.

This is vital to marketplaces of all types. The sector is becoming increasingly competitive and, whether a flat, generalised marketplace or a vertical specialist, understanding what customers want is vital.

This trend will be seen in 2024 across all ecommerce, not least as retailers attempt to make their non-marketplace sites perform better than their marketplace competitors. Because of this, marketplace offerings that dont look to AI-powered, deeply intelligent recommendations will struggle.

Chatbots, AI and voice commerceAI will not just be confined to recommendations it has a role to play across the whole ecommerce process, from marketplaces to traditional D2C sites. One of the key areas where it will come to the fore is in chatbots and other tools that allow communication between a marketplace, the retailer and customers.

Of course, chatbots are already used across ecommerce, handling FAQs via instant messaging and routing queries to customer service agents based on intelligently assessing what the consumer is asking. This is very much chatbot 1.0 though and as AI has exponentially increased in power and ubiquity over the past 24 months, so too have the power of AI run chatbots.

Moving on from simple rules-based responses to key words and phrases to find answers or redirect a query, todays AI allows for self-learning that leads to a degree of understanding. The use of generative AI technologies such as GPT4 can also help create bespoke and highly conversational answers. Combing this self-learning and generative approach with rules-based systems can, in theory, create a much more realistic although still totally artificial interaction between brand and customer.

While this can help handle far more consumer interactions than a team of humans ever could, its true potential lies in how to elevate all these interactions beyond being just reactive to customer comments into towards creating genuine two-way conversations akin to how an old-style shop assistant may have helped guide customers to buy. This has the potential along with AI-powered recommendations to create a new paradigm in online selling, cross-selling and up-selling.

For todays marketplaces, this combination is likely to be a much-needed differentiator in the competitive years ahead. It also once again shifts the nature of ecommerce from something that a customer does, towards something that happens to, or, even better, with the consumer.

News in late 2023 that Facebook owner Meta is poised to release chatbots with a personality on Facebook Messenger will only fuel this growth in conversational interaction.

The application of AI to voice also lends itself to voice commerce. Already well documented when smart speakers such as Amazons Echo and Apples HomePod first hit the headlines, the use of voice to interact with websites and sellers has, to some degree, failed to ignite widespread interest. Yet with natural language processing (NLP) and generative

AI surging ahead, the ability to interact verbally with marketplaces is likely to return to the agenda only this time, it wont just be through smart speakers. To gain mass appeal, it will be through the websites and apps of the marketplaces themselves.

It seems inevitable that the internet will slowly edge towards being some sort of metaverse a more immersive semi-naturalistic platform where interaction is less about typing and clicking and more about pointing and speaking. When it does, natural voice interaction and chatbots are likely to become one of the main ways we all use the web, including how we shop on marketplaces.

Messaging, payments and super appsThis shift towards talking to marketplace apps is potentially a huger, broader shift in how everyone will interact with the internet. In the instance of marketplaces, it will allow consumers to talk to these vendors actually, their AI-powered apps to search, get recommendations, discuss products and then buy them in a much more naturalistic way.

Already many younger people are communicating by sending each other voice messages. Apple has added the ability to send video messages via its FaceTime messaging app. Facebook is, as said, creating chatbots with personality. The way we access the web is already changing.

Even for those who arent shifting to this new way of communicating with the digital world, messaging services such as SMS, iMessage, WhatsApp and social media messaging are all increasingly playing a role in how consumers interact with the companies they do business with. The era of conversational commerce be that through text or voice is upon us and its set to create some radical new ways in which we shop. Social media sites, for instance, are shifting from carrying promotional posts about retailers to allowing consumers to buy from them, adding to this conversational commerce model.

Combining messaging and social engagement with shopping and indeed payments can create a powerful new marketplace model. Bringing them all together in one place to create a super app has the potential to build a new, rich way to interact with retailers which, in turn, can lead to greater sales.

Such super apps already exist in China. WeChat, for example, combines social media, messaging, payment and ecommerce in one app. Elon Musks rebrand of Twitter to X and the changes he has instigated at the platform are rumoured to be laying the groundwork to turn X into such a super app. For marketplaces, this presents an opportunity.

The platforms already have the customer base, the products and the payments tools. Add in messaging and engagement and they could relatively easily shift to being super apps. Conversely, social media platforms have the customer base, the messaging and the retailers on-board. As they add ecommerce, they too are also poised to do the same.

As the internet slowly edges towards being an immersive metaverse, these super apps would be perfectly positioned to usher in a whole new modus operandi for online sellers and customers radically altering not only what constitutes a marketplace, but also what the internet actually looks like to its users.

This feature was authored by Paul Skeldon, and appears in the ChannelX European Marketplaces 2023 report.

Download it in full to discover what the marketplace landscape looks like today; what factors are key to a successful marketplace; and how marketplaces are working to try and protect both brands and customers from fraud, counterfeits, and piracy?

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The role of cryptocurrency in financing terrorism – PBS NewsHour

Ali Rogin:

Experts in terrorist financing say the military wing of Hamas was an early adopter of cryptocurrency soliciting Bitcoin donation starting in 2019. Hamas told supporters that the transactions were anonymous, but all cryptocurrency exchanges are recorded on a public ledger called a blockchain, that allowed the Department of Justice to confiscate 150 crypto accounts associated with Hamas al-Qassam brigades in 2020.

In April 2023, Hamas announced it would stop Bitcoin fundraising efforts, but as the Treasury Department's new sanctions show, terrorist groups, including Hamas, al Qaeda and ISIS are still finding ways to use cryptocurrency exchanges to raise and launder money and evade detection.

I'm joined now by Ari Redbord. He's the Global Head of policy at TRM Labs, a blockchain analytics company that helps protect organizations against crypto related fraud and financial crime. He's also a former senior Treasury official, and a former federal prosecutor. Ari, thank you so much for joining us.

Ari Redbord, Global Head of Policy, TRM Labs: Hey, thank you so much for having me.

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Expect new IRS crypto surveillance to come with a surge in confiscation – Cointelegraph

As the Internal Revenue Service (IRS) pushes forward with its proposal to increase cryptocurrency surveillance, a past report might offer a clue for how this information may be used in practice. In short, with the IRS set to keep tabs on Americans cryptocurrency usage through an expected 8 billion new returns, it seems the Department of Justice (DOJ) may soon have the tools it wants to start confiscating cryptocurrency at an unprecedented rate.

The issue stems from a 2022 report written by the DOJ in response to Executive Order 14067. For those who might not remember, Executive Order 14067 was President Bidens first major cryptocurrency initiative. Although many people initially feared an impending crackdown was coming, the executive order largely delayed making sweeping changes by first calling on agencies to issue reports to inform future policies around cryptocurrency and related issues.

The report, written by the DOJ, covered a vast range of topics. Largely falling into four categories, the recommendations spanned ways to aid prosecutions, ways to improve investigations, ways to expand penalties for cryptocurrency-related crimes, and ways to increase the resources available for government employees.

Related: Bitcoin beyond 35K for Christmas? Thank Jerome Powell if it happens

Whats most interesting for the present conversation, however, is where the DOJ argued for increasing its ability to seize cryptocurrency.

For example, the report states that it is critical that the United States have the authority to forfeit the proceeds of cryptocurrency fraud and manipulation as a means of deterring such activity and divesting violators of their ill-gotten gains. Therefore, the DOJ recommends expanding its authority over criminal, civil, and administrative forfeiture.

The DOJ has claimed these updates are necessary because the departments experience with cryptocurrency-related cases has revealed limits on the forfeiture tools used to deprive wrongdoers of ill-gotten gains and, in certain cases, restore funds to victims.

Yet this argument is difficult to understand considering how much and how often the government has been able to seize cryptocurrency over the years. In fact, the report itself mentions such cases. Between 2014 and 2022, the FBIseizedaround $427 millionin cryptocurrency. The IRSseizedanother $3.8 billionbetween 2018-21.

With more than $4 billion on hand, the DOJs argument that the U.S. government is struggling to seize cryptocurrency is just not as apparent as the reports recommendations make it out to be.

Related: IRS proposes unprecedented data-collection on crypto users

Still, the IRSs broker proposal puts the DOJs report into a new light given the vast surveillance that the proposal would likely create vast surveillance that could be used to start confiscating cryptocurrency at an even greater rate.

The problem is whats referred to as administrative forfeiture. As Nick Sibilla explained in Forbes when the report first came out, Under administrative or nonjudicial forfeiture, the seizing agency not a judge decides whether a property should be forfeited. In other words, agencies do not need to prove to a judge that a crime was committed in order to seize the property.

The DOJ commended this process for promoting an efficient allocation of government resources while discouraging undue burdens on the federal judicial system. In fact, this process seems to be the DOJs preferred practice given that administrative forfeitures made up 78 percent of its forfeitures between 2000 and 2019.

With the IRS collecting vast amounts of new information on Americans cryptocurrency use, its possible that the DOJ may suddenly find vast new arenas for cryptocurrency confiscation. And again, its important to stress that these confiscations dont have to start with an actual crime being committedjust the mere suspicion.

Given how often misunderstandings surrounding cryptocurrency have fueled headlines, its not difficult to imagine how such suspicions could emerge. For example, it was less than a month ago that more than 100 members of Congress cited a flawed report to call for a crackdown on cryptocurrency.

Considering the IRS proposal in this light helps to showcase one of the major risks of mass data collection. Whether its the DOJ seeking to expand its confiscation activities, the IRS looking to increase audits, or a hacker seeking out an exploit, massive government databases create tempting targets for both internal and external abuse.

If the IRS pushes forward with its proposal, cryptocurrency users should keep a careful eye on how that data is ultimately used by the government at large.

Nicholas Anthony is a policy analyst at the Cato Institutes Center for Monetary and Financial Alternatives. He is the author of The Infrastructure Investment and Jobs Acts Attack on Crypto: Questioning the Rationale for the Cryptocurrency Provisions and The Right to Financial Privacy: Crafting a Better Framework for Financial Privacy in the Digital Age.

This article is for general information purposes and is not intended to be and should not be taken as legal or investment advice. The views, thoughts, and opinions expressed here are the authors alone and do not necessarily reflect or represent the views and opinions of Cointelegraph.

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An AI just negotiated a contract for the first time ever and no human was involved – CNBC

Mathisworks | Digitalvision Vectors | Getty Images

In a world first, artificial intelligence demonstrated the ability to negotiate a contract autonomously with another artificial intelligence without any human involvement.

British AI firm Luminance developed an AI system based on its own proprietary large language model (LLM) to automatically analyze and make changes to contracts. LLMs are a type of AI algorithm that can achieve general-purpose language processing and generation.

Jaeger Glucina, chief of staff and managing director of Luminance, said the company's new AI aimed to eliminate much of the paperwork that lawyers typically need to complete on a day-to-day basis.

In Glucina's own words, Autopilot "handles the day-to-day negotiations, freeing up lawyers to use their creativity where it counts, and not be bogged down in this type of work."

"This is just AI negotiating with AI, right from opening a contract in Word all the way through to negotiating terms and then sending it to DocuSign," she told CNBC in an interview.

"This is all now handled by the AI, that's not only legally trained, which we've talked about being very important, but also understands your business."

Luminance's Autopilot feature is much more advanced than Lumi, Luminance's ChatGPT-like chatbot.

That tool, which Luminance says is designed to act more like a legal "co-pilot," lets lawyers query and review parts of a contract to identify any red flags and clauses that may be problematic.

With Autopilot, the software can operate independently of a human being though humans are still able to review every step of the process, and the software keeps a log of all the changes made by the AI.

CNBC took a look at the tech in action in a demonstration at Luminance's London offices. It's super quick. Clauses were analyzed, changes were made, and the contract was finalized in a matter of minutes.

There are two lawyers on either side of the agreement: Luminance's general counsel and general counsel for one of Luminance's clients research firm ProSapient.

Two monitors on either side of the room show photos of the lawyers involved but the forces driving the contract analysis, scrutinizing its contents and making recommendations are entirely AI.

In the demonstration, the AI negotiators go back and forth on a non-disclosure agreement, or NDA, that one party wants the other to sign.NDAs are a bugbear in the legal profession, not least because they impose strict confidentiality limits and require lengthy scrutiny, Glucina said.

"Commercial teams are often waiting on legal teams to get their NDAs done in order to move things to the next stage," Glucina told CNBC."So it can hold up revenue, it can hold up new business partnerships, and just general business dealings. So, by getting rid of that, it's going to have a huge effect on all parts of the business."

Legal teams are spending around 80% of their time reviewing and negotiating routine documents, according to Glucina.

Luminance's software starts by highlighting contentious clauses in red. Those clauses are then changed to something more suitable, and the AI keeps a log of changes made throughout the course of its progress on the side. The AI takes into account companies' preferences on how they normally negotiate contracts.

For example, the NDA suggests a six-year term for the contract. But that's against Luminance's policy. The AI acknowledges this, then automatically redrafts it to insert a three-year term for the agreement instead.

Glucina said that it makes more sense to use a tool like Luminance Autopilot rather than something like OpenAI's software as it is tailored specifically to the legal industry, whereas tools like ChatGPT and Dall-E and Anthropic's Claude are more general-purpose platforms.

That was echoed by Peel Hunt, the U.K. investment bank, in a note to clients last week.

"We believe companies will leverage domain-specific and/or private datasets (eg data curated during the course of business) to turn general-purpose large language models (LLMs) into domain-specific ones," a team of analysts at the firm said in the note.

"These should deliver superior performance to the more general-purpose LLMs like OpenAI, Anthropic, Cohere, etc."

Luminance didn't disclose how much it costs to buy its software. The company sells annual subscription plans allowing unlimited users to access its products, and its clients include the likes of Koch Industries and Hitachi Vantara, as well as consultancies and law firms.

Founded in 2016 by mathematicians from the University of Cambridge, Luminance provides legal document analysis software intended to help lawyers become more efficient.

The company uses an AI and machine-learning-based platform to process large, complex and fragmented data sets of legal documentation, enabling managers to easily assign tasks and track the progress of an entire legal team.

It is backed by Invoke Capital a venture capital fund set up by U.K. tech entrepreneur Mike Lynch Talis Capital, and Future Fifty.

Lynch, a controversial figure who co-founded enterprise software firm Autonomy, faces extradition from the U.K. to the U.S. over charges of fraud.

He stepped down from the board of Luminance in 2022, though he remains a prominent backer.

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What Is Consciousness, Really? Either AI Rules or Human Spirit … – CEOWORLD magazine

Consciousness is one of the most pressing issues of our time. Right up there with climate.

With AI taking off, tech experts are worried that intelligent machines will gain consciousness within the next few years! Meanwhile, we experience life basically in our conscious minds, yet we have only the faintest inkling of how this mysterious phenomenon works, or even what it is. For these reasons, and more, its time to address the question: What is consciousness, really?

For example:

Is human consciousness simply the physical bits of information processed within our brains circuitry? An electrochemical, living intelligence? Like AI only different?

If AI surpasses human intelligence, what happens to us mere mortals? To we, the people?

How does machine consciousness square with religious beliefs? Is spirituality simply an illusion? Is God a fantasy?

To examine these questions, aTechCast studyused collective intelligence to combine background data and the best judgment from 30 experts. Weve used this method for 20 years to forecast emerging technologies and social trends with good accuracy. For instance, TechCast publishedforecastsmore than a decade ago that AI would take off in 2023.

The best way to make sense of these results is to sketch two different propositions describing implications of opposing views.

Proposition 1: AI dominates human consciousness

Yes, this is a stark statement, but its also the logical outcome of the view that sees no significant difference between human consciousness and intelligent forms of AI.

The belief underlying this view is that consciousness is the intelligence shown by any sufficiently complex system. The corollary belief is that human consciousness is simply an outcome of information in the brain. And since AI will soon have near infinite power to process information, some form of Artificial Super Intelligence (ASI) is likely to eclipse human intelligence. From this view, it follows that humans can expect to become inferior to AI, most jobs will be automated, and the vast powers of ASI could threaten humanity.

While this is an elegant theory, its implications are so impossible that they seem to refute the theory. For instance, sound solutions to the climate crisis are well known, but the obstacles are due to procrastination, self-interest, and the lack of political will.How could the most powerful ASI possibly overcome these utterly human foibles?Or could sheer machine intelligence reduce mass shootings? Reconcile opposing sides to the interminable conflict on abortion? In short, the most intelligent AI is not likely to rule the world.

I hope the point is clear. Intelligence the ability to manage objective knowledge is fundamentally different than the subjective ability to resolve the messy, intractable dilemmas that confound humans. Julian Taylor, Software Engineer at Sun Microsystems, highlighted the limits of AI: No algorithm that I have devised has ever developed an unpredictable goal. This is simply not what these algorithmic systems do. And Kurt Gdel, the famous scientist who proved his Incompleteness Theorem, concurred: No conceivable collection of algorithms can possibly manifest human self-aware consciousness.

The meaning of this limitation is profound the most intelligent machine cant be endowed with agency, the ability to exercise free will, to act independently. Yes, its almost given that AI will soon be able to model emotions, values, beliefs, and other human qualities. But theyll be just that simple simulations of human consciousness. Not the real thing. The most brilliant machine intelligence seems doomed to lack agency. For an everyday example, your GPS car navigation system may be brilliant at leading you somewhere, but you must tell it your destination. Only you have agency!

Of the endless brilliant robots and semi-conscious AI systems out there, none are capable of truly independent behavior. For a simple example, your pet Roomba may sweep your floors with great abandon, but only within its programmed limits. Cute, but it doesnt have a conscious mind, really. No agency. ChatGPT? Nope. You have to tell it what to do. Even IBMs powerhouse, Newton, able to beat the top chess masters no agency. Without some dramatic as yet unknown breakthrough in AI,the concept of machine intelligence with human consciousness remains only a theory lacking support.

Yet almost all AI experts are convinced that AI superpowers will eclipse humans. Yuval Harari leads this wave of fear with his belief that AI is an alien species that could trigger humanitys extinction. This blind faith fuels the techno hype reminiscent of the mass hysteria we saw whenY2Kthreatened to destroy civilization at the year 2000 AD. As the critical turn of the century passed nothing happened! This study provides a sober vision that is realistic. Its time to think of AI as simply a powerful tool to be managed carefully.

This impasse in the logic of AI superiority leads to a second proposition that resolves this contradiction.

Proposition 2: Human spirit transcends AI

The lack of AI agency stands in sharp contrast to what Websters dictionary calls human spirit. We could call it the self, or we could think of it as the soul. Whatever it is, knowing that something in human consciousness is more powerful than information helps make sense of our world today.

A solid majority of our experts think that mood shifts, altered awareness, free will, and other states of mind transcend the physical body. Nobel Laureate Roger Sperry summed it up, The mind acts as an independent force.

This view also affirms the belief of all religions that humans are spiritual beings. Albert Einstein himself said, The most profound emotion we can experience is the mystical some spirit is manifest in the laws of the universe. And cognitive scientist David Chalmers thinks, We are likely to discover that consciousness is a fundamental property of the universe, like space, time and gravity.

Once we accept this special role of human spirit, the dilemmas noted above fade into a coherent story of the future. Sure, ASI is almost certain to vastly exceed our feeble ability to manage the overwhelming complexity of modern life. But thats okay because well be there to guide it. To design the systems using principles that ensure their safe behavior. To monitor them carefully and take action to avert problems.

Not only can we manage this AI-human symbiosis, the resulting freedom from todays mind-numbing knowledge work will unleash even more human freedom. More creativity. More awareness. If we can summon the courage and global consciousness to surmount the enormous challenges ahead, we might even see the flowering of human spirit.

Written by William E. Halal.

Have you read?Top Women CEOs of Americas largest public companies (2023 List).CEOs Of The Top Footwear Companies You Should Know.Top CEOs of the Worlds Largest Media Companies In 2023.Best International High Schools In The World, 2023.Revealed: The Worlds Best Airline CEOs, 2023.

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What Is Consciousness, Really? Either AI Rules or Human Spirit ... - CEOWORLD magazine

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