We document characteristics of users and usage patterns, and use BNPL roll-out to provide new insights into consumer responses to unsecured credit access. BNPL access increases both total spending ...

Abstract: The characteristics of interference fading in a phase sensitive optical time domain reflectometer (φ-OTDR) system with a three optical frequency source are described in this paper. It is ...

California started 2025 with significant activity around artificial intelligence (AI) in the workplace. Legislators and state agencies introduced ...

A federal judge in Texas issued a decision on May 15, 2025, striking down portions of the EEOC’s Enforcement Guidance on protections ...

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