National/regional news and analysis

When the first cryptocurrency, Bitcoin, was proposed in 2008, the goal was simple: to create a digital currency free from banks and governments. Over time, that idea evolved into something much bigger: “decentralized finance,” or “DeFi.”

Having an action plan for personal finance is critical in uncertain times. Photo by Nicolas Guyonnet/Hans Lucas/AFP via Getty ImagesAmerican families are struggling to keep up with their bills.

Whether you’re using AI to write cover letters, grade papers or draft ad campaigns, you might want to think twice about telling others. That simple act of disclosure can make people trust you less, our new peer-reviewed article found.

Construction costs have surged in recent years, pushing homeownership further out of reach for many Americans. But this isn’t a new concern: In 1978, the U.S.