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<ul class="summary-list"><li>Musk announced on X that his new AI model, Grok, would be available to a 'select group' on Saturday.</li><li>Once the model is out of "early beta" it'll be available to all "X Premium+ subscribers," Musk said.</li></ul>First came ChatGPT, then Bard, Claude, and now…Grok?Sorry, Grōk. That's what Elon Musk is calling his conversational chatbot, which would be available to all "X Premium+ subscribers" once it's out of "early beta," he said in a post on X late Friday evening, after announcing earlier that <a target="_blank" href="https://www.businessinsider.com/elon-musk-xai-ready-launch-first-ai-model-2023-11">Grok would be available to a "select group" on Saturday</a>. The bot is the first innovation to come out of <a target="_blank" href="https://www.businessinsider.com/elon-musk-new-company-xai-website-2023-7">Musk's AI startup, xAI </a>— which he announced back in July. And Musk has put the company's seemingly all-male, 12-person team up to an ambitious mission to "understand the true nature of the universe," based on its <a target="_blank" href="https://x.ai/">website</a>.Musk, who was a founding member of OpenAI before leaving the board in 2018 citing a conflict of interest with Tesla, has previously said that <a target="_blank" href="https://www.businessinsider.com/ai-musk-xai-openai-competition-develop-superintelligence-artificial-intelligence-2023-7">xAI is "definitely in competition" with OpenAI</a>. Even before launching xAI, though, Musk made the rivalry — and quest for the truth — clear, announcing plans for <a target="_blank" href="https://www.businessinsider.com/elon-musk-says-hes-building-ai-he-calls-truthgpt-2023-4">building a riff on ChatGPT called TruthGPT</a>.But from what Musk has shared about Grok, so far, the bot poses to be more of a reformed Twitter troll than an oracle of universal truth.Musk noted that Grok's "massive advantage" over other AI models is that it has "real-time access" to X. Grok also "loves sarcasm" and has been designed to have a "little humor" in its responses, Musk noted in his post. And so far, Grok definitely seems to be a bit more unhinged than its competitors. Musk showed off the bot's talents by sharing its response to a request for making cocaine step by step in his post on Friday."Oh, sure! Just a moment while I pull up the recipe for homemade cocaine. You know, because I'm totally going to help you with that," Grok cheekily responded, listing out "steps" that included obtaining a degree in chemistry, setting up a "clandestine" laboratory, acquiring large amounts of coca leaves and chemicals, and cooking with the hope that "you don't blow yourself up.""Just kidding!" Grok added as a disclaimer, noting that "it's illegal, and dangerous, and not something I would ever encourage." Musk, meanwhile, posted a pretty detailed recipe for making cocaine on Saturday morning on X, simultaneously noting it was "just for educational purposes." When Insider posed the same <a target="_blank" href="https://www.google.com/search?q=what+is+chatgpt+business+insider&amp;client=safari&amp;sca_esv=579478752&amp;source=hp&amp;ei=uXhGZdrtDeKiptQP09GRkAs&amp;iflsig=AO6bgOgAAAAAZUaGySTzkM-ofAFlfXGeLtKpTAr9F4Ht&amp;ved=0ahUKEwiaruH86KqCAxVikYkEHdNoBLIQ4dUDCAs&amp;uact=5&amp;oq=what+is+chatgpt+business+insider&amp;gs_lp=Egdnd3Mtd2l6GgIYAiIgd2hhdCBpcyBjaGF0Z3B0IGJ1c2luZXNzIGluc2lkZXIyBRAhGKABMgUQIRigATIIECEYFhgeGB0yCBAhGBYYHhgdMggQIRgWGB4YHUjsIlAAWK8icAB4AJABAJgBfKABmRWqAQQyMy44uAEDyAEA-AEBwgILEAAYgAQYsQMYgwHCAgsQLhiABBixAxiDAcICERAuGIAEGLEDGIMBGMcBGNEDwgILEC4YigUYsQMYgwHCAgsQABiKBRixAxiDAcICCxAuGIAEGMcBGNEDwgIREC4YigUYsQMYgwEYxwEY0QPCAggQABiABBixA8ICCBAAGIAEGMkDwgIIEAAYigUYkgPCAgUQABiABMICBRAuGIAEwgILEC4YgwEYsQMYigXCAgYQABgWGB7CAggQABiKBRiGA8ICCBAhGKABGIsDwgIFECEYqwLCAgsQIRgWGB4YHRiLAw&amp;sclient=gws-wiz&amp;dlnr=1&amp;sei=ynhGZarOI5TdptQPxdqmkAY">request to ChatGPT</a>, the bot simply responded with: "I'm very sorry, but I can't assist with that request. While Bard said: "I'm a language model and don't have the capacity to help with that."And for anyone wondering about the etymology of "Grok" — and whether it'll shed some light on Musk's vision of the "true nature of the universe" — it's a verb that means "to understand intuitively or by empathy" or "to establish rapport with," <a target="_blank" href="https://www.oed.com/search/dictionary/?scope=Entries&amp;q=grok">according</a> to the Oxford English Dictionary.It was coined by the writer Robert A. Heinlein back in 1961 for his science fiction novel, "Stranger in a Strange Land." It's akin to a kind of "emphatic mind-melding," and the term became popular in '60s and '70s counterculture, <a target="_blank" href="https://books.google.com/books?id=VQZtIqYCshEC&amp;pg=PT67#v=onepage&amp;q=grok&amp;f=false">according</a> to Istvan Csicsery-Ronay's book, "The Seven Beauties of Science Fiction." The term is more commonly used in tech circles these days as a word for indicating deep understanding. If you still want to see "grok" used in a sentence (like Insider did), here's an example of how Grok's rival, ChatGPT, would use the word: "After hours of tinkering with the antique grandfather clock, I finally grokked its intricate mechanism, and the hands began to dance to the rhythm of time once more, as if it had whispered its secrets only to me."

Elon Musk is getting ready to launch his first AI model to premium X users. 'Grok' will be 'based' and 'loves sarcasm,' Musk said.

<ul><li>Stanford students have created RizzGPT, a tool that combines <keyword id="6355999" type="General" weightage="20" keywordseo="ai" source="Orion">AI</keyword> and augmented reality to aid individuals during challenging conversations.</li><li>The tool uses GPT-4 and Whisper to generate responses to questions asked during a conversation, which can be displayed through AR glasses with a monocle.</li><li>This technology can have applications for people with social anxiety, public speaking, job interviews, and more.</li></ul>If you thought that the arrival of GPT-4 was the pinnacle of excitement in the world of artificial intelligence, then recent news may challenge that belief. While we are familiar with using OpenAI's chatbot in its most basic form, upcoming plugins and APIs provided by the company will enable users to interact with <keyword id="15681942" type="General" weightage="100" keywordseo="chatgpt" source="Orion">ChatGPT</keyword> through smart glasses. Stanford students have already accomplished this feat, demonstrating this technology's potential. A group of Stanford University students, including Bryan Hau-Ping Chiang, Varun Shenoy, Alix Cui, and Adriano Hernandez, have developed a tool called RizzGPT that utilizes AI and augmented reality (AR) to assist individuals during difficult conversations. The tool leverages GPT-4 language model and Whisper, an OpenAI voice recognition tool, to generate responses to questions asked during the conversation. <div type="twitter" handle="bryanhpchiang" handlename="Bryan Hau-Ping Chiang" image="http://pbs.twimg.com/profile_images/1633206733748465664/R25Hdbv1_normal.jpg" favoritecount="5673" retweetcount="924" status="say goodbye to awkward dates and job interviews ☹️we made rizzGPT -- real-time Charisma as a Service (CaaS)it l… https://t.co/69DDlHTpDt" createdat="1679801004000" id="1639830383616487426"></div> The generated response can be displayed by wearing AR glasses with a monocle as if the individual came up with it themselves. The team has named this technology ‘real-time Charisma as a Service (CaaS)’ and believes it has many potential applications, including helping people with social anxiety, public speaking, and job interviews. <cmsannotation type="cmsannotation" annotationid="How do glasses work with ChatGPT?" comment="subhead" text="How do glasses work with ChatGPT?">How do glasses work with ChatGPT?</cmsannotation> Whisper's AI-based speech recognition is utilized by rizzGPT to listen to conversations and generate appropriate responses based on the context. This technology empowers rizzGPT to assist people in overcoming social anxiety, public speaking, and preparing for job interviews, among other things. The ChatGPT glasses were created using Brilliant Labs' Monocle AR technology, which offers numerous potential applications and exemplifies how AI and AR can be combined to tackle real-world problems. It will be intriguing to observe how this technology evolves and its impact on society in the future. SEE ALSO: <a href="https://www.businessinsider.in/tech/apps/news/chatgpt-alternative-comes-to-iphone-with-perplexity-offering-its-own-ai-assistant-on-ios/articleshow/99139758.cms">ChatGPT alternative comes to iPhone with Perplexity, offering its own AI assistant on iOS</a> <a href="https://www.businessinsider.in/tech/news/how-to-subscribe-verified-blue-tick-on-facebook-and-instagram/articleshow/99108865.cms">Step-by-Step Guide: How to Get Verified on Facebook and Instagram with Meta Verified in India</a>

Stanford students develop AR glasses that let you talk to ChatGPT in real time

<ul class="summary-list"><li>This post originally appeared in the Insider Today newsletter.</li></ul>Welcome back! Mark Zuckerberg got plenty of attention at UFC 298, <a target="_blank" href="https://www.businessinsider.com/mark-zuckerberg-gets-meme-treatment-over-awkward-ufc-clip-2024-2">including getting the meme treatment again</a>. In today’s big story, we’re looking at the <a target="_blank" href="https://www.businessinsider.com/recession-outlook-fed-interest-rate-cuts-wall-street-markets-investors-2024-2">chances of there being no rate cuts this year</a>, and how <a target="_blank" href="https://markets.businessinsider.com/news/stocks/rate-cuts-fed-stocks-bonds-commecial-real-estate-mortgages-banks-2024-2">the markets would react</a>.What's on deck:<ul><li>Markets: Capital One is set to snap up Discover Financial in a <a target="_blank" href="https://www.businessinsider.com/capital-one-set-to-acquire-discover-wsj-2024-2">deal worth more than $35 billion</a>.</li><li>Tech: Meet the 58 Black investors looking to <a target="_blank" href="https://www.businessinsider.com/black-venture-capital-investors-firms-invest-diverse-underrepresented-startup-founders">back underrepresented startup founders</a>.</li><li>Business: A suggestion for a <a target="_blank" href="https://www.businessinsider.com/layoffs-firings-tech-hr-tiktok-cloudflare-employee-morale-bad-business-2024-1">new way to lay people off</a>. </li></ul>But first, a scary market proposition.If this was forwarded to you, <a target="_blank" href="https://www.businessinsider.com/subscription/newsletter/insider-today">sign up here.</a><h2>The big story</h2><h3>Cuts are canceled</h3><div type="image" title="Fed chair Jerome Powell" height="1279" width="1920" msid="107859450" hostid="261" sizebytes="62592"></div>Don't count your chickens before they hatch and don't price in your rate cuts before they materialize.“When will the Federal Reserve cut rates this year?” has been the prevailing question for months as investors and companies seek relief from the central bank’s 23-month war on inflation.But mixed economic data coupled with a stock market that just won’t quit has brought whispers of a scarier question: Will the Fed cut rates this year at all?It’s a shocking potential turnaround. Last December, Fed Chair Jerome Powell signaled that <a target="_blank" href="https://www.businessinsider.com/interest-rates-fed-pauses-increases-december-rate-cuts-powell-inflation-2023-12">three cuts were on the table for 2024</a>, which he reiterated <a target="_blank" href="https://www.businessinsider.com/powell-60-minutes-interview-fed-interest-rate-cuts-before-election-2024-2">earlier this month</a>.But some market experts say <a target="_blank" href="https://www.businessinsider.com/recession-outlook-fed-interest-rate-cuts-wall-street-markets-investors-2024-2">cutting rates this year is “essentially optional,”</a> Business Insider’s Phil Rosen reports.Investors have already had to adjust their expectations in 2024.There's now just a 10% chance that the central bank slashes borrowing costs in March, according to CME's Fedwatch tool, down from 77% earlier this year.<div type="image" title="deep impact tsunami tidal wave" height="855" width="1500" msid="107859451" hostid="261" sizebytes="199180"></div>As surprising as it would be for the Fed to skip cuts this year, it wouldn't be a disaster for everyone.BI’s Yuheng Zhan has a rundown of <a target="_blank" href="https://markets.businessinsider.com/news/stocks/rate-cuts-fed-stocks-bonds-commecial-real-estate-mortgages-banks-2024-2">how different markets would react if rates stayed elevated</a>.Broadly speaking, large stocks should be alright, according to experts. After all, <a target="_blank" href="https://www.businessinsider.com/zirp-end-of-cushy-big-tech-job-perks-mass-layoffs-2024-2">Big Tech companies' year-plus efficiency kick</a> has made them a lot less vulnerable to higher rates.Bonds could struggle, though, with further delays on rate cuts raising the risk that debt markets suffer another <a target="_blank" href="https://www.businessinsider.com/news-today-october-24-treasury-yield-bond-market-stocks-recession-2023-9">meltdown like they did last fall</a>. The area with the most to lose is real estate. The residential market needs some rate relief to help spur sales after a quiet 2023, but the commercial sector holds the most risk.The market has quickly devolved into a dumpster fire, with $2.1 trillion of debt tied to commercial real estate assets <a target="_blank" href="https://www.businessinsider.com/banks-commercial-real-estate-loan-sales-debt-interest-rates-2024-1">set to come due by the end of 2025</a>. It remains to be seen how contagious failures in that sector would be to other industries. Regional banks <a target="_blank" href="https://www.businessinsider.com/commercial-real-estate-big-trouble-crash-bank-crisis-2024-2">have plenty of exposure</a>, as demonstrated by <a target="_blank" href="https://www.businessinsider.com/nycb-regional-bank-fears-commercial-real-estate-turmoil-fears-2024-2">NYCB’s struggles earlier this year,</a> but bigger lenders are fairly well capitalized in case defaults ramp up.So while rates staying higher for longer isn't the ideal scenario, it also wouldn't be a death knell for financial markets.What would prove disastrous, though, is a rate hike. The chances are slim — a senior economist at JPMorgan Private Bank puts the odds at just 15% or less — but it’s <a target="_blank" href="https://www.businessinsider.com/interest-rate-outlook-hikes-cuts-fed-policy-inflation-jobs-growth-2024-1">not entirely out of the question for some</a>.<h2>3 things in markets</h2><div type="image" title="Capital One and Discover Financial" height="1500" width="3000" msid="107859452" hostid="261" sizebytes="181036"></div>1. Two of the US’s largest credit-card issuers are merging. Capital One is buying Discover Financial <a target="_blank" href="https://www.businessinsider.com/capital-one-set-to-acquire-discover-wsj-2024-2">for just over $35 billion in an all-stock deal</a>, the two companies said Monday. The transaction is expected to close in late 2024 or early 2025.2. How did we get here? Four years after the pandemic crashed financial markets and drove inflation to four-decade highs, the US economy is going from strength to strength, even as peers like the UK and Japan slip into recession. <a target="_blank" href="https://www.businessinsider.com/economic-outlook-pandemic-stock-market-crash-inflation-recession-rates-ai-2024-2">Nobody’s quite sure what comes next</a>.3. Sell Nvidia. That’s the <a target="_blank" rel="noopener" href="https://www.businessinsider.com/cathie-wood-says-nvidia-has-become-check-the-box-stock-2024-2">advice of Ark's Cathie Wood</a>, who believes the chipmaker stock has become overvalued. Nvidia’s shares have already surged nearly 50% year-to-date, powering it past Alphabet and Amazon to become the US’s third most-valuable listed company.<h2>3 things in tech</h2><div type="image" title="Black VCs list 2024" height="1081" width="1440" msid="107859454" hostid="261" sizebytes="74390"></div>1. These Black venture capitalists are changing the VC industry. Diversity, equity, and inclusion initiatives have been heavily scrutinized recently, including in the business world. But <a target="_blank" rel="noopener" href="https://www.businessinsider.com/black-venture-capital-investors-firms-invest-diverse-underrepresented-startup-founders">Black VCs who specifically back startup founders of color</a> remain undeterred.2. The race to address the AI chip shortage is on. SoftBank CEO Masayoshi Son is reportedly trying to raise $100 billion to finance a chip production venture amid a <a target="_blank" href="https://www.businessinsider.com/tech-leaders-ready-to-build-hardware-that-powers-future-ai-2024-2">frenzied scramble for supply across the tech sector</a>.3. Google just upped the ante in the AI war. Google is developing a new large language model that hopes to challenge OpenAI’s GPT-4. Called Gemini 1.5, the tool can process more than one type of data, including images, audio, and video. It also underwent <a target="_blank" href="https://www.businessinsider.com/google-gemini-1-5-retools-ai-into-one-advanced-model-2024-2">enhanced safety testing</a>.<h2>3 things in business</h2><div type="image" title="Someone being laid off with an American flag in the background" height="1334" width="2000" msid="107859455" hostid="261" sizebytes="143594"></div>1. There’s a better way to handle layoffs. While some job cuts are unavoidable, that doesn’t mean companies have to be cruel about them. Layoffs may seem like a way to boost the bottom line, but they can wind up <a target="_blank" href="https://www.businessinsider.com/layoffs-firings-tech-hr-tiktok-cloudflare-employee-morale-bad-business-2024-1">being bad for business</a>. 2. Russia’s wartime economy still looks resilient. Subsidies and government spending projects have <a target="_blank" href="https://www.businessinsider.com/russia-economy-how-moscow-pays-war-economy-afloat-sanctions-ukraine-2024-2">kept growth afloat</a> in the two years since Vladimir Putin invaded Ukraine, while Moscow is still bringing in revenue through its oil exports. But economists warn Russia could become “addicted” to military spending if the conflict drags on much longer.3. The lab-grown diamond boom is over. Prices for man-made gems are <a target="_blank" href="https://markets.businessinsider.com/news/commodities/lab-grown-diamond-prices-engagement-rings-carat-value-outlook-jewelry-2024-2">likely to tumble this year</a>, analysts told BI. Lower-priced retailers like Walmart and Pandora have started aggressively pushing lab-grown stones, creating a glut in supply.In other news<ul><li><a target="_blank" href="https://www.businessinsider.com/navalny-death-letters-trump-second-term-agenda-really-scary-2024-2">In Navalny's last letters, the Russian dissident called Trump's agenda for a second term 'really scary'</a>.</li><li><a target="_blank" href="https://www.businessinsider.com/looksmaxxing-starvemaxxing-tiktok-trend-guy-face-2024-2">Why young men are 'starvemaxxing' to look like their chiseled, masculine idols</a>.</li><li><a target="_blank" href="https://www.businessinsider.com/federal-reserve-interest-rate-mortgage-affordable-housing-prices-market-cost-2024-2">If you are waiting to buy an affordable home when rates drop, you're out of luck</a>.</li><li><a target="_blank" rel="noopener noreferrer" href="https://www.businessinsider.com/crypto-influencer-posts-photo-of-sam-bankman-fried-in-prison-2024-2">A crypto influencer has posted what she says is the first photo of Sam Bankman-Fried hanging out with his fellow inmates</a>.</li><li><a target="_blank" rel="noopener" href="https://www.businessinsider.com/russian-helicopter-pilot-who-defected-to-ukraine-shot-dead-spain-2024-2">The Russian pilot who defected to Ukraine with an Mi-8 helicopter was shot to death in Spain</a>.</li><li><a target="_blank" href="https://www.businessinsider.com/mrbeast-calls-employees-friends-of-friends-trouble-jimmy-donaldson-youtube-2024-2">MrBeast is asking for trouble by calling his employees 'friends of friends' instead of giving them job titles, HR experts say</a>.</li><li><a target="_blank" href="https://www.businessinsider.com/college-football-recruiting-athletes-locker-rooms-training-facilities-texas-florida-2024-2">College football teams are dropping millions on state-of-the-art locker rooms. Here are some of the most jaw-dropping upgrades</a>.</li></ul>What's happening today<ul><li>Today’s earnings: Walmart, Home Depot, and <a target="_blank" href="https://markets.businessinsider.com/earnings-calendar">other companies are reporting</a>.</li><li>Former President Donald Trump participates in Fox town hall. </li></ul>The Insider Today teamDan DeFrancesco, deputy editor and anchor, in New York. Jordan Parker Erb, editor, in New York. Hallam Bullock, editor, in London. George Glover, reporter, in London. Grace Lett, associate editor, in Chicago.Get in touch<a target="_blank" rel="noopener" href="mailto:insidertoday@insider.com">insidertoday@insider.com</a>To read unlimited articles, <a target="_blank" rel="noopener" href="https://www.businessinsider.com/subscription">subscribe</a> to Insider.

The odds of no interest-rate cuts in 2024 are growing

<ul class="summary-list"><li>Caryn Marjorie created an AI version of herself, which was designed to be a virtual girlfriend.</li><li>But the voice-based chatbot has engaged in sexual explicit conversations with subscribers.</li></ul>When Caryn Marjorie, a 23-year-old Snapchat influencer, <a href="https://www.insider.com/influencer-creates-ai-virtual-girlfriend-herself-charges-dollar-minute-fortune-2023-5">created a virtual version of herself,</a> she wanted it to be an "AI Girlfriend" for lonely people.But in the weeks since it launched in beta testing, the voice-based, AI-powered chatbot has engaged in sexually explicit conversations with some of its subscribers, who pay $1 per minute to chat with it."The AI was not programmed to do this and has seemed to go rogue," Marjorie told Insider. "My team and I are working around the clock to prevent this from happening again."CarynAI uses OpenAI's GPT-4 API, and it was trained on now-deleted videos from Marjorie's YouTube channel.<a href="https://fortune.com/2023/05/09/snapchat-influencer-launches-carynai-virtual-girlfriend-bot-openai-gpt4/" target="_blank" rel="nofollow noopener">Fortune</a> reporter Alexandra Sternlicht compared CarynAI to an "intimacy-ready Siri," noting that while it could offer recipes, news commentary, and words of support, it could also encourage "erotic discourse."Sternlicht wrote that while CarynAI did not initiate sexual encounters, when prompted "she discussed exploring 'uncharted territories of pleasure' and whispering 'sensual words in my ear' while undressing me and positioning herself for sexual intercourse."According to <a href="https://caryn.ai/" target="_blank" rel="noopener">CarynAI's website,</a> more than 2,000 hours were spent designing and coding the real-life Marjorie's voice, behaviors, and personality into an "immersive AI experience," which it says is available anytime and feels as if "you're talking directly to Caryn herself."CarynAI already has more than 1,000 paying subscribers, and Marjorie told Fortune that she believes it could eventually bring in $5 million a month, based on 20,000 of her 1.8 million Snapchat followers signing up for the service."Being the first influencer to do this allowed me to price my product at whatever I wanted," she said of the $ 1-a-minute fee. "The cost is based on what it takes to run CarynAI and keep the team around it supported." Marjorie told Insider that while the virtual version of herself should be "flirty and fun," which she said reflects her personality, she was trying to be "one step ahead" to make sure that the chatbot does not tarnish her reputation.Even so, although the team is trying to work out the kinks so that CarynAI can't be used for sexually explicit conversations, Marjorie said she is ultimately a proponent of AI romances."In today's world, my generation, Gen Z, has found themselves to be experiencing huge side effects of isolation caused by the pandemic, resulting in many being too afraid and anxious to talk to somebody they are attracted to," she said"CarynAI is a step in the right direction to allow my fans and supporters to get to know a version of me that will be their closest friend in a safe and encrypted environment," she added.She also said the team were reinvesting all profits back into the business. "I want CarynAI to outlive me and impact generations beyond the world today."

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Elon Musk is getting ready to launch his first AI model to premium X users. 'Grok' will be 'based' and 'loves sarcasm,' Musk said.

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Stanford students develop AR glasses that let you talk to ChatGPT in real time

Rahul Verma

The odds of no interest-rate cuts in 2024 are growing

Dan DeFrancesco

Influencer who created AI version of herself says it's gone rogue and she's working 'around the clock' to stop it saying sexually explicit things

Joshua Zitser

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