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<ul class="summary-list"><li>The Cybertruck is the newest addition to Tesla's electric lineup.</li><li>You can order a Cybertruck today, but it likely will take months to be delivered.</li></ul>The angular, steel-clad Cybertruck is the latest addition to <a target="_blank" class="" href="https://www.businessinsider.com/tesla">Tesla's</a> growing lineup of electric vehicles.The Cybertruck, assembled in Texas in the heart of pickup truck country, finally hit the market at the end of 2023 with a starting price of $60,990 (though the first models to roll off the assembly line were the <a target="_blank" class="" href="https://www.businessinsider.com/tesla-cybertruck-foundation-series-first-models-resale-clause-lawsuit-2023-12">$120,000 Foundation Series</a> trucks).The Cybertruck, first announced in 2019, arrived late to the electric pickup truck segment — just as EV drivers began favoring smaller and more inexpensive models. Even its least expensive trim level is $20,000 more expensive than <a target="_blank" class="" href="https://www.businessinsider.com/elon-musk">CEO Elon Musk</a> originally promised.Several <a target="_blank" class="" href="https://www.businessinsider.com/tesla-fans-slam-cybertruck-disappointing-launch-and-unexpected-price-hike-2023-12">Tesla fans expressed disappointment</a> at the Cybertruck launch, complaining that the price and final specs that didn't live up to Musk's original promises for the truck.Demand for the truck initially outpaced production, with delivery dates over the summer pushed out until the end of the year or early next year. Tesla has since managed to shorten this wait to a few months, according to its website.Here's everything we know about <a target="_blank" class="" href="https://www.businessinsider.com/tesla-cybertruck-my-favorite-features-wireless-charging-speed-range-2024-6">Tesla's Cybertruck</a> today.<h2 id="9bd43199-dd06-4315-bc0f-00d38d6f699d">How much does the Tesla Cybertruck cost?</h2>There are currently only two trim levels of the Foundation series listed on Tesla's website, ranging in price from $99,990 to $119,990. All trim levels require a $250 deposit at the time of your order.<ul><li>All-wheel drive: $99,990. The dual-motor all-wheel drive Foundation series Cybertruck is equipped with an estimated 340 miles of range. It also has a top speed of 112 miles per hour and can achieve 0-60 miles per hour in 4.1 seconds.</li><li><a target="_blank" class="" href="https://www.businessinsider.com/tesla-cybertruck-price-expensive-cyberbeast-option-2023-11">Cyberbeast</a>: $199,990. The top-of-the-line Cybertruck has a slightly lower range of 320 miles, sacrificing range for performance. The Cyberbeast is purported to reach 0-60 miles per hour in a blistering 2.6 seconds with a top speed of 130 miles per hour and 845 horsepower. It also delivers 10,296 pounds-feet of torque, according to Tesla, with an 11,000-pound towing capacity.</li></ul>At the Cybertruck's initial reveal, Tesla also announced two lower-price trim levels, which no longer appear on the company's website. A $60,990 base model was listed with 250 miles of range while an all-wheel drive model with 340 miles of range was listed for $79,990. At the time, these models were due to arrive in 2025.Like other pickup trucks in its class, the Cybertruck is a five-passenger vehicle. The angular bed with a lockable cover is 6 feet long and boasts 54.2 cubic feet of storage space.The advertised charging speed for the Cybertruck is about 250 kilowatts-per-hour, which translates to 128 miles of range added in 15 minutes on a Tesla Supercharger.<h2 id="204ad935-0968-4b15-8900-56d2b115ed81">How long is the wait for a Cybertruck?</h2>Tesla currently estimates delivery of the available Foundation series Cybertrucks for October and November 2024. Tesla first <a target="_blank" class="" href="https://www.businessinsider.com/tesla-cybertruck-price-release-event-delivery-truck-live-updates-2023-11">started deliveries of the Cybertruck</a> in November of 2023.The company doesn't break out Cybertruck in its quarterly delivery reports, so the exact number of Cybertrucks that have been ordered, sold, and delivered is unclear. But a <a target="_blank" class="" href="https://www.businessinsider.com/tesla-recalls-cybertrucks-due-to-wiper-issue-2024-6">Tesla recall</a> for a windshield wiper defect in June covered more than 11,000 Cybertrucks on the road in the US, likely all built so far.The Cybertruck is assembled at <a target="_blank" class="" href="https://www.businessinsider.com/tesla-gigafactory">Tesla's Austin Gigafactory</a> with a new manufacturing process. Reports of hiccups in the production launch have hinted at the complexity of Cybertruck manufacturing, which may explain why the Cybertruck took so long to get to market, but the launch is far from the stressful ramp of the Model 3 in 2018.<h2 id="64c45f5e-c315-4e5a-a661-c1f59cea08fa">How does the Tesla Cybertruck stack up against other electric trucks?</h2>The Cybertruck debuts a bevy of new <a target="_blank" class="" href="https://www.businessinsider.com/tesla-features">Tesla features</a>, bringing Musk's electric car company into the bloodsport of American pickup trucks.On towing, Tesla outdoes the <a target="_blank" class="" href="https://www.businessinsider.com/f150-lightning-is-fast-fun-you-probably-dont-need-one-2023-11">F-150 Lightning</a> by 1,000 pounds and the <a target="_blank" class="" href="https://www.businessinsider.com/tesla-vs-rivian">Cybertruck ties the Rivian R1T</a> with an 11,000-pound towing capacity on the top two trim levels. The base model Cybertruck is expected to have a towing capacity of around 7,500 pounds.Tesla's advertised maximum payload of 2,500 pounds also outdoes the Lightning's 2,235 pounds. Both trucks beat out the R1T's 1,764-pound maximum payload.To accommodate the <a target="_blank" class="" href="https://www.businessinsider.com/tesla-cybertruck-new-status-car-celebrities-billionaires-2024-2">Cybertruck's unwieldy size</a> and dimensions, Tesla has outfitted the truck with a steer-by-wire system, which allows for more nimble driving. The steering wheel's responsiveness changes depending on speed, while rear-wheel steering allows the massive truck to maneuver into tight spaces.The Cybertruck is also equipped with Tesla's standard Autopilot driver-assist software. Cybertruck drivers can also subscribe to the more advanced Full Self Driving software, which has started to work on some models, according to owners.<h2 id="69315fcc-a0e4-4863-b812-9a87220668e0">What's the deal with Cybertruck's steel body?</h2>One of the Cybertruck's most unique features is its <a target="_blank" class="" href="https://www.businessinsider.com/tesla-cybertruck-polishing-is-it-safe-legal-2024-6">stainless steel exterior</a>.The ultra-hard steel exoskeleton is stamped as one piece, which Tesla has claimed will lead to fewer dents and easier repairs due to the lack of paint. Elon Musk initially promised the Cybertruck would be completely <a target="_blank" class="" href="https://www.businessinsider.com/tesla-cybertruck-fails-youtubers-bulletproof-test-2024-3">bullet-proof</a>, though that hasn't panned out in reality.While the Cybertruck can withstand 9mm bullets from a handgun, some bigger guns dealt more damage.Skeptics of the Cybertruck were concerned that the stainless steel exterior would <a target="_blank" class="" href="https://www.businessinsider.com/the-cybertrucks-stainless-steel-will-always-be-a-little-smudgy-2023-8">show unsightly smudges</a> and other imperfections heading into the launch.Upkeep has been reportedly complex, with owners reporting trouble at the car wash. Tesla's owner's manual recommends putting the truck in "Car Wash Mode" to protect certain features from damage.In the first few months after the $99,900 Cyberbeasts started hitting the road, <a target="_blank" class="" href="https://www.businessinsider.com/tesla-owner">Tesla owners</a> took to social media to <a target="_blank" class="" href="https://www.businessinsider.com/tesla-cybertruck-owners-starting-rust-rain-orange-specks-elon-musk-2024-2">complain about the Cybertruck's rust spots</a> that developed when the vehicles were left out in the rain.A Tesla engineer later addressed the complaints, offering advice on how to <a target="_blank" class="" href="https://www.businessinsider.com/cybertruck-engineer-addresses-claims-the-tesla-evs-rust-in-rain-2024-2">buff out the orange spots on the Cybertruck</a>.

Tesla Cybertruck: What to know about the truck's price, specs, range, and customer reactions

<ul class="summary-list"><li>Target recently updated its website to call out "suspected fraud or abuse" of its return policy.</li><li>While the rules haven't changed, the clarification sets the company up to enforce them more strictly.</li></ul>Sometimes it's not enough to read between the lines. More and more, you have to spell it out.In the case of Target, the days of testing the legal and ethical limits of the company's return policy may be numbered.In a recent update to its website, Target now says it "reserves the right to deny returns, refunds and exchanges including but not limited to prevent fraud, suspected fraud or abuse."Not only is the phrasing new (<a target="_blank" href="https://www.businessinsider.com/target-one-year-returns-policy-explained-20230-5">Business Insider has closely covered Target's return policy over the years</a>), but neither the word "fraud" nor "abuse" appears in an archived version of the company's return policy from one month ago.A Target spokesperson told BI that while the communication of this point is new, the policy itself hasn't changed, including the one-year backing of all private-label products.Still, while the rules may not be new, the clarification sets the company up to potentially enforce them more strictly and consistently.Return fraud is indeed a concerning problem for retailers across the industry, with the National Retail Federation <a target="_blank" href="https://cdn.nrf.com/sites/default/files/2024-01/Customer_Returns_Report_2023_Final.pdf">estimating</a> $101 billion in related losses last year.But the abuse side of the coin has a more uniquely Bullseye dimension: the trend of shoppers returning piles of worn out Cat &amp; Jack kids' clothes for cash. As one of <a target="_blank" href="https://www.businessinsider.com/target-cat-and-jack-kids-apparel-millions-of-items-annually-2024-3">Target's most popular store brands</a> (selling more than $3 billion per year), Cat &amp; Jack products are backed by a one-year satisfaction guarantee, which some customers push to its conceptual limits.Users on the <a target="_blank" href="https://www.reddit.com/r/Target/comments/1fk13g1/return_policy_right_to_decline/">r/Target</a> subreddit welcomed the new language, saying it will help service desk employees in dealing with difficult customers.Indeed, a popular euphemism for dirty and destroyed apparel is "well-loved," and grass-stained T-shirts and pants with blown-out knees from a year on the playground don't exactly suggest defective merch."These are people admitting on social media that they were actually quite satisfied, but they are just finding a loophole in this return policy," H Squared Research chief retail analyst Hitha Herzog previously told BI. "If the return policy allows you to do that, I guess you can. But ethically, should you? I wouldn't."Now, with this latest update, Target seems to be saying, "Please don't."If you are a Target worker who wants to share your perspective, please <a target="_blank" href="mailto:dreuter@businessinsider.com">contact Dominick via email</a> or text/call/Signal at 646.768.4750. Responses will be kept confidential, and Business Insider strongly recommends using a personal email and a non-work device when reaching out.

Target wants you to know it can deny your return if it suspects you're abusing its policy

<keyword id="22053621" type="General" weightage="20" keywordseo="Insurance-regulator-IRDA" source="keywords" meta.keywordsubtype="org" meta.entityname="Insurance regulator IRDA" meta.hostid="261" meta.entityid="Insurance regulator IRDA">Insurance regulator IRDA</keyword> has introduced sweeping reforms for various <keyword id="19936531" type="General" weightage="100" keywordseo="life-insurance" source="keywords">life insurance</keyword> products. In its master circular dated 12th June, 2024, the insurance watchdog laid out a slew of customer-friendly directives for life insurance companies to follow with immediate effect. Read on to know all about how these new rules will impact you : <cmsannotation type="cmsannotation" annotationid="Customer information sheet" comment="subhead" text="Customer information sheet"><keyword id="22033784" type="General" weightage="20" keywordseo="customer-information-sheet" source="keywords">Customer information sheet</keyword></cmsannotation> Going ahead, all life insurance companies will have to mandatorily provide their policyholders with a CIS, or Customer Information Sheet. This will serve to explain to them the basic features of the policy in very simple terms, and will include essential details like sum assured, benefits, policy loan options, free-look period and procedures for making claims and redressing grievances. In addition, benefits payable to the policyholder if they survive the policy tenure (maturity benefits), upon death and surrender of policy should also be clearly spelt out. Along with this, the policyholders are also entitled to a customised illustration of how the policy will benefit them while they are being sold the policy. CIS should also be made available to the policyholder in their local language on request. <cmsannotation type="cmsannotation" annotationid="Free-look and grace period" comment="subhead" text="Free-look and grace period"><keyword id="22053620" type="General" weightage="20" keywordseo="Free-look-and-Grace-Period" source="Orion">Free-look and grace period</keyword></cmsannotation> Policyholders will now have a 30-day window from the day they receive the policy document to review and cancel the policy if they want. If the policy is cancelled within this period, they will be entitled to a full premium refund. Earlier, this period only lasted for 15 days. For grace period, which basically refers to the additional, penalty-free window given to the policyholder to make premium payment post due date to avoid losing coverage, the windows will differ depending on premium payment frequency. If you pay the policy premiums on a monthly basis, you will get a 15-day grace period. For premium payments made on a quarterly/half-yearly or annual basis, the grace period will be of 30 days. <cmsannotation type="cmsannotation" annotationid="Penalty on violating Ombudsman’s word" comment="subhead" text="Penalty on violating Ombudsman’s word">Penalty on violating Ombudsman’s word</cmsannotation> The insurer is bound to comply with the <keyword id="960887" type="General" weightage="20" keywordseo="Insurance-Ombudsman" source="Orion">Insurance Ombudsman</keyword>’s award within 30 days of receiving the same. In case the same is violated, the insurer will have to pay a penalty of Rs 5,000 per day to the complainant. <cmsannotation type="cmsannotation" annotationid="Higher value on early policy surrender" comment="subhead" text="Higher value on early policy surrender">Higher value on early policy surrender</cmsannotation> Often, policyholders ended up with a low, negligible amount as refund upon surrendering their insurance policy. This is set to change with <keyword id="21879234" type="General" weightage="20" keywordseo="IRDA" source="keywords">IRDA</keyword>’s latest directives. Now, policyholders will be eligible for <keyword id="885219" type="General" weightage="20" keywordseo="surrender-value" source="Orion">surrender value</keyword> even if they decide to surrender their policy after just one year. Previously, only 50% of <keyword id="2939473" type="General" weightage="20" keywordseo="policy-premium" source="Orion">policy premium</keyword> would be refunded, provided the policyholders surrendered their policy between years 4-7 of the policy tenure. Moreover, they would lose the entire premium amount if they surrendered their policy within a year. Customers will also be entitled to higher special surrender value (SSV) from now on. This SSV should be at least equivalent to the expected present one of the these three: <ol><li>Paid up sum assured, or present value of your sum assured after you stop paying premiums</li><li>Paid up future benefits</li><li>Accrued benefits</li></ol>Also, it will be compulsory for life insurers to offer loans to policyholders as per the eligible surrender value of the policy. Says Vivek Jain, Head, Investments, Policybazaar.com, "The provision for higher Surrender Value (SV), calculated at a prevailing 10-year government securities rate with a limited spread, significantly increases the value returned to policyholders in the event of a policy surrender, after the completion of first year. The mandatory facility of policy loans across all life insurance savings products and the allowance of partial withdrawals under pension products will provide vital financial flexibility, which will enable policyholders to meet liquidity needs and specific financial goals. These measures will certainly enhance trust and transparency in the industry." <cmsannotation type="cmsannotation" annotationid="Partial withdrawal allowed from pension products" comment="subhead" text="Partial withdrawal allowed from pension products">Partial withdrawal allowed from pension products</cmsannotation> Policyholders will be allowed to make partial withdrawals, provided they have 3 years of continuous coverage under their insurance-cum-pension plan. Also, these withdrawals cannot be more than 25% of the total premiums paid till date. The insurer cannot use this withdrawal towards making any adjustments in the policy's sum assured. However, this withdrawal will only be allowed for specific situations, like funding children’s higher education/marriage, constructing a house, treating critical illnesses, starting a new venture or for skill development purposes.

Here’s how your life insurance plans are set to change

<ul class="summary-list"><li>Spirit Airlines filed for Chapter 11 bankruptcy protection on Monday.</li><li>The company told customers they can continue to book and fly with the airline.</li></ul><a target="_blank" class="" href="https://www.businessinsider.com/spirit-airlines-chapter-11-bankruptcy-restructure-low-cost-airlines-2024-11">Spirit Airlines</a> told travelers they can keep booking and flying with the carrier after filing for bankruptcy protection on Monday.<a target="_blank" class="" href="https://www.businessinsider.com/the-end-of-budget-airlines-southwest-jetblue-frontier-spirit-2024-7">Budget airlines such as Spirit have struggled</a> since the pandemic as some passengers appear willing to pay more for flights.Spirit faced further difficulties when its planned <a target="_blank" class="" href="https://www.businessinsider.com/jetblue-spirit-merger-deal-blocked-by-federal-judge-2024-1">merger with JetBlue</a> was called off in March after a federal judge blocked it in January.It expects to emerge from the process in the first three months of 2025.Read the open letter Spirit sent to customers:

Read the open letter Spirit Airlines sent to customers after filing for bankruptcy protection

<ul class="summary-list"><li>A massive IT outage on Friday brought much of the US airline industry to a standstill.</li><li>More than 9,000 flights were delayed or canceled due to the outage in the US alone.</li></ul>A massive IT outage on Friday brought much of the <a target="_blank" class="" href="https://www.businessinsider.com/map-shows-united-american-delta-flights-slowing-it-outage-2024-7">US airline industry to a standstill</a>, leaving thousands of flyers stranded in airports across the country during the height of the summer travel season.According to FlightAware data, more than 9,000 flights were delayed or canceled in the US alone. Major hubs like New York and Atlanta saw delays of an average of multiple hours as airlines scrambled to get computer systems back online.Delta and United were among the most affected, with some 23% and 12% of flights canceled, respectively, as of 3:30 p.m. Friday, according to data from Cirium, an aviation analytics company.The <a target="_blank" class="" href="https://www.businessinsider.com/airlines-sue-biden-administration-dot-fee-transparency-baggage-change-seat-2024-5">US Department of Transportation</a> confirmed to Business Insider that IT-related delays and cancellations are deemed "controllable" by airlines, which entitles affected passengers to accommodations and benefits from the nation's carriers.Many major airlines, including <a target="_blank" class="" href="https://www.businessinsider.com/united-american-warn-pilots-of-communication-issues-amid-grounding-2024-7">American</a>, <a target="_blank" class="" href="https://www.businessinsider.com/delta-air-lines-ceo-questions-financial-strategy-low-cost-carriers-2024-7">Delta</a>, and <a target="_blank" class="" href="https://www.businessinsider.com/airlines-united-delta-scrambling-fix-crisis-too-many-cheap-flights-2024-7">United</a>, proactively issued fee and fare difference waivers for affected passengers looking to rebook their flights, helping them avoid usual fees or rules.In 2022, DOT <a target="_blank" class="" href="https://www.businessinsider.com/dot-airline-customer-service-dashboard-shows-cancellation-delay-policies-meals-2022-9">unveiled</a> a "<a target="_blank" class="" href="https://www.transportation.gov/airconsumer/airline-customer-service-dashboard">customer service dashboard</a>" that outlines the benefits and accommodations passengers of 10 airlines are entitled to during controllable delays and cancellations. It includes policies from Alaska, Allegiant, American, Delta, Frontier, Hawaiian, JetBlue, Southwest, Spirit, and United.Interruptions within an airline's control include maintenance and IT outages, DOT says. Others, like weather-related disruptions, are considered uncontrollable and require less of airlines to accommodate customers.<h2 id="6b62cb7f-c6c2-4e1e-a58e-4f1069cbc95e">Delays can mean free rebooking, meals, and even a hotel stay</h2>Here is what affected customers whose flights have been significantly delayed due to Friday's IT outage are entitled to and on which airlines, according to the DOT dashboard of company policies:<ul><li>Rebooked on the same airline at no additional cost: All airlines.</li><li>Rebooked on a partner airline or another airline that the carrier has an agreement with at no additional cost: All airlines except Allegiant, Frontier, Hawaiian, Southwest, and Spirit.</li><li>Meal or meal cash/voucher when flight delay results in passenger waiting for three or more hours: All airlines.</li><li>Complimentary hotel accommodation for passengers affected by overnight delay: All airlines except Frontier.</li><li>Complimentary ground transportation to and from the hotel for passengers affected by overnight delay: All airlines except Frontier.</li><li>Cash compensation when delays exceed three or more hours from scheduled departure time: No airlines.</li><li>Credit/travel voucher when delays exceed three or more hours from scheduled departure time: Alaska, JetBlue, and Southwest only.</li><li>Frequent flyer miles when delay exceeds three or more hours from scheduled departure time: Delta only.</li></ul><h2 id="52df63b9-8ff4-441a-bf9a-3a0198acf721">Cancellations can mean tickets on another airline and cash compensation</h2>Here is what customers on flights canceled due to Friday's IT outage are entitled to, according to the DOT dashboard of airline policies:<ul><li>Rebooked on the same airline at no additional cost: All airlines</li><li>Rebooked on a partner airline or another airline that the carrier has an agreement with at no additional cost: All airlines except Allegiant, Frontier, Southwest, and Spirit.</li><li>Meal or meal cash/voucher when cancellation results in passengers waiting three or more hours for a new flight: All airlines.</li><li>Complimentary hotel accommodation for passengers affected by overnight cancellation: All airlines except Frontier.</li><li>Complimentary ground transportation to and from the hotel for passengers affected by overnight cancellation: All airlines except Frontier.</li><li>Cash compensation when cancellation causes passengers to wait three or more hours from scheduled departure time: No airlines.</li><li>Credit/travel voucher when cancellation causes passenger to wait three or more hours from scheduled departure time: Alaska, JetBlue, and Southwest only.</li><li>Frequent flyer miles when cancellation causes a passenger to wait three or more hours from scheduled departure time: Delta only.</li></ul>

Airlines may owe you for your flight chaos. Here's what to know. 

<ul class="summary-list"><li>Target released an update to its app to curb a shopper behavior workers call the "double tap."</li><li>Workers previously said drive-up order customers caused chaos by waiting until arrival to tap a button saying they were en route.</li></ul>Target is rolling out a much-requested app fix for a shopper behavior that has been a frequent source of frustration for some of its fulfillment workers.Whether by accident or on purpose, hundreds of <a target="_blank" href="https://www.businessinsider.com/target-drive-up-returns-coming-to-stores-this-spring-2023-2">Target drive-up customers</a> using the retailer's mobile app arrive each day in the stores' parking lots before hitting the "I'm on my way" button.Upon arrival, they would tap the button and the follow-up "I'm here" button in rapid succession — a move that became known as the "double-tap."Now, following a mobile app released last week, shoppers will no longer be able to <a target="_blank" href="https://www.businessinsider.com/target-drive-up-double-tappers-causing-chaos-and-disruption-2023-3">"double-tap" their drive-up orders</a>. Instead, they will have to wait for one minute after tapping "I'm on my way" before declaring their arrival.<div type="image" title="A screenshot from Target's mobile app, which was recently updated." height="968" width="1290" msid="114981157" hostid="261" sizebytes="24792"></div>"We need some extra time," the app says now. "Next time, avoid this delay by letting us know you're on the way before going to the store."The company confirmed the change to Business Insider and said it continues to look for ways to improve the app for both workers and customers.Workers told BI last year that the "I'm here" signal starts a three-minute timer during which they must load a customer's order from various shelves or refrigerators onto a cart and roll it out to the parking lot.Orders that take more than three minutes can put a worker's metrics in the red and draw scrutiny from managers, the workers previously said. "Double-tappers" are particularly problematic when orders have dozens of items, or contain large or heavy products, which can set off a cascade of delays, they said.The impact of the update hasn't been instantaneous, however, according to several <a target="_blank" href="https://www.reddit.com/r/Target/comments/1ghcmaw/whats_up_with_the_double_tap_deterrent/">comments</a> on social media, as it can take time for a meaningful number of customers to download the new version of the app. The update also began rolling amid increased Halloween shopping."It was already a very busy week to begin with, so it is hard to measure if the double-tap delay had any noticeable change," a Target worker in New York, who described the app update as a welcome one, told BI. The worker requested not to be identified as they were not authorized to speak with the media.The worker said her store receives between 1,000 and 1,500 drive-up orders per day, estimating about a quarter of those are double-taps. Some are "repeat offenders" that she and her colleagues recognize by name, she added."There was nothing we could do to prevent them from doing so other than letting the customer know directly that they should tell us that they are on their way, which was frowned upon by management," she said. "We are hoping that this new change alleviates that issue."A worker in Wisconsin told BI the change hasn't had a major effect so far, but that every bit of extra time helps.

Target changes app to curb 'double-tapper' customers who caused chaos with drive-up orders

<ul class="summary-list"><li>This post originally appeared in the Insider Today newsletter.</li></ul>Good morning. The FBI said it is investigating "<a target="_blank" href="https://www.businessinsider.com/trump-shots-fired-florida-golf-course-2024-9">what appears to be an attempted assassination</a>" of former President Donald Trump. Trump was uninjured following shots that were fired near his golf course in West Palm Beach, Florida, on Sunday, according to his campaign and the US Secret Service.<a target="_blank" rel="noopener" href="https://www.businessinsider.com/who-is-ryan-wesley-routh-second-trump-assassination-attempt-suspect-2024-9">Here's what we know about the shooting suspect</a>, who is in law enforcement custody.Meanwhile, in today's newsletter, we're looking at how AWS is ramping up its sales team <a target="_blank" href="https://www.businessinsider.com/amazon-ai-sales-machine-aws-google-microsoft-pressure-pay-speed-2024-9">to pitch customers on AI</a>.What's on deck:<ul><li>Markets: It's not legal, but that doesn't stop the rich from doing it to <a target="_blank" href="https://www.businessinsider.com/white-collar-fraud-wealthy-class-tax-evasion-insider-trading-2024-9">keep their fortunes growing</a>.</li><li>Tech: He oversees a Google cofounder's fortune. <a target="_blank" href="https://www.businessinsider.com/larry-page-family-office-koop-ceo-wayne-osborne-wealth-management-2024-9">Now his playbook is for sale</a>.</li><li>Business: Welcome to a new era of jobs: <a target="_blank" href="https://www.businessinsider.com/what-is-portfolio-career-pros-cons-income-streams-side-hustles-2024-9">the portfolio career</a>.</li></ul>But first, coffee is for closers.If this was forwarded to you, <a target="_blank" href="https://www.businessinsider.com/subscription/newsletter/insider-today">sign up here.</a><h3 id="7fa5f018-5b05-4a37-a8dc-d3f89138bcb3">The big story</h3><h2 id="5fd547b9-ec52-41fc-8e08-4f4b27dd8097">Sell, sell, sell</h2><div type="image" title="Amazon Web Services CEO Matt Garman surrounded by AWS Logo, and graph with upward trending line" height="1000" width="2000" msid="113399088" hostid="261" sizebytes="117946"></div>When it comes to the AI revolution, building is only half the battle.After drawing scrutiny from investors about their massive investments in generative AI, tech companies are prioritizing getting returns on their big bets.At Amazon Web Services, that's meant a new <a target="_blank" href="https://www.businessinsider.com/amazon-ai-sales-machine-aws-google-microsoft-pressure-pay-speed-2024-9">internal sales campaign focused on its AI offerings</a>, writes Business Insider's Eugene Kim.The three-pronged strategy, dubbed "Find One, Launch One, Ramp One," is about selling, installing, and generating revenue for Amazon's AI assistant, Q, and AI platform, Bedrock.A key piece of the plan is obviously AWS' salespeople, who are being incentivized with performance bonuses tied to Q and Bedrock and even a pizza party at an executive's home for top performers. (I'd probably just opt for the cash.)But it's not just salespeople getting in on the action. Staffers meant to implement tools with customers or craft the right cloud service for a client are now being encouraged to get more involved in the sales process.An AWS spokesperson told Eugene the company is merely responding to their customers' needs, and that the lines between salespeople and non-salespeople are still clear.<div type="image" title="Amazon, OpenAI and Microsoft logo." height="900" width="2000" msid="113399092" hostid="261" sizebytes="52140"></div>AWS' pressure to ramp up AI sales isn't just focused on ROI.While it's long been a leader in the public cloud space, Amazon hasn't held the same dominance in the AI race. In particular, it's faced stiff competition from rival Microsoft, which benefited from its early bet on OpenAI.As a result, AWS has become more aggressive with its AI strategy, <a target="_blank" href="https://www.businessinsider.com/amazon-aws-sales-guidelines-spread-doubt-about-openai-ai-capabilities-2024-8">spreading doubts about its competitors to customers</a>.But apart from all the fighting over customers and the push to create cutting-edge tools, a bigger question remains: Does anyone even want this stuff?It's still early days, but <a target="_blank" href="https://www.businessinsider.com/pharma-cio-cancelled-microsoft-copilot-ai-tool-2024-7">Microsoft</a>, <a target="_blank" href="https://www.businessinsider.com/amazon-q-ai-early-challenges-aws-chatbot-2024-9">Amazon</a>, and <a target="_blank" href="https://www.businessinsider.com/google-gemini-woke-images-ai-chatbot-criticism-controversy-2024-2">Google</a> have all previously gotten some not-so-great feedback on their tools. And while these companies can't afford not to pitch their customers on AI tech, they also risk turning them off to the idea by selling them products that might not live up to expectations.I don't mean to sound naive. I am well aware this is a business that needs to make money. And sometimes not doing something can be just as risky as rushing into something.But it's a fine line to balance for tech companies banking on AI being the industry's next gold mine.<h3 id="77f31a4c-8462-4e3d-a71f-838cb79493fb">News brief</h3><h2 id="1fcd294b-3f53-425f-9f20-4093e8623b59">Top headlines</h2><ul><li>Welcome to interest-rate cut week: Here's how the Fed's next move will impact <a target="_blank" href="https://www.businessinsider.com/interest-rate-cuts-decision-this-week-federal-reserve-powell-inflation-2024-9">everything from home prices to new cars loans</a>.</li><li>Here are the <a target="_blank" rel="noopener" href="https://www.businessinsider.com/2024-emmy-winners-list-nominees-76th-primetime-awards">2024 Emmy winners</a>.</li><li>Trump's favorite hobby presents a <a target="_blank" rel="noopener" href="https://www.businessinsider.com/trump-golf-course-shooting-secret-service-challenges-assassination-attempt-2024-9">'nightmare' security challenge</a>, former Secret Service agent says.</li></ul><h2 id="8120060b-ae66-48dc-b149-f0489a30ffa2">3 things in markets</h2><div type="image" title="A collage showing a businessman along with the definiition of embezzlement and tax evasion." height="1000" width="2000" msid="113399097" hostid="261" sizebytes="219896"></div><ol><li>What's hot in white collar crime. These are the <a target="_blank" href="https://www.businessinsider.com/white-collar-fraud-wealthy-class-tax-evasion-insider-trading-2024-9">most common illegal maneuvers</a> the rich use to get richer, according to defense attorneys. The top of the list may not surprise you — after all, Martha Stewart, Al Capone, and "The Situation" got busted for the same one.</li><li>Clouds roll over the Sunshine State's housing market. It's getting harder and harder to enjoy living in Florida. Once among the pandemic's hottest housing markets, the state is increasingly expensive, hot, and crowded, residents say. <a target="_blank" href="https://www.businessinsider.com/florida-housing-market-sales-weather-climate-change-retirement-pandemic-costs-2024-9">Expect gray days for Florida's real estate</a>.</li><li>Starting a hedge fund? Don't do this. Hedge fund launches are on the rise, but the funding environment is mixed. Two top Morgan Stanley bankers broke down common early mistakes <a target="_blank" href="https://www.businessinsider.com/morgan-stanley-prime-brokerage-novick-shaw-startup-hedge-fund-mistakes-2024-9">and what to do instead</a>.</li></ol><h2 id="f4b54806-7f81-450c-ba32-92560d4fae9b">3 things in tech</h2><div type="image" title="Photo collage of Wayne Osborne and Google co-founder Larry Page, surrounded by Google search elements, the Google logo, falling money, yachts, and private islands" height="1500" width="2000" msid="113399090" hostid="261" sizebytes="172450"></div><ol><li>For sale: the sacred playbook of Larry Page's money man. Wayne Osborne has been the keeper of the keys to the Google cofounder for years. Now, he's stepping out of the shadows with his own wealth management company to put his trade secrets to work for other clients. Insiders say the goal is to <a target="_blank" href="https://www.businessinsider.com/larry-page-family-office-koop-ceo-wayne-osborne-wealth-management-2024-9">dominate wealth management</a> the way Page dominated online search.</li><li>How Elon fumbled Twitter — and apparently gave Grimes' baby name to his other child. A new book by Ryan Mac and Kate Conger unearths new details about the chaotic period in 2022 when Musk decided to buy Twitter, and its descent into ~whatever it is now~. <a target="_blank" href="https://www.businessinsider.com/elon-musk-grimes-baby-name-new-book-character-limit-2024">They spoke to BI about what they found</a>.</li><li>Google's feeling lucky. The online search giant dodged a jury trial in its big adtech case, thwarting the Justice Department's hopes. The juryless trial came with a price tag, though: <a target="_blank" href="https://www.businessinsider.com/google-dodged-jury-advertising-antitrust-trial-with-check-damages-2024-9">$2,289,751, to be exact</a>.</li></ol><h2 id="9260fa45-d397-4b3c-b4f8-4bb193976216">3 things in business</h2><div type="image" title="A smaller and duller city next to a bright and shiny larger city" height="1500" width="2000" msid="113399086" hostid="261" sizebytes="433752"></div><ol><li>Why you probably hate your downtown. There are two versions of the American downtown: one is designed to serve office workers and tourists, and the other is more local-centric, with plenty of housing, schools, and local businesses. Ironically, <a target="_blank" href="https://www.businessinsider.com/2-kinds-of-cities-explains-why-you-hate-your-downtown-2024-9">tourists prefer the latter</a>, but many cities are still depending on the former to revive their economies.</li><li>Meet the portfolio career. We've entered a new era of work where more people are becoming overemployed and diving into multiple sides of hustles instead of the traditional 9-to-5. There's a lot of flexibility and earning potential when it comes to a portfolio career, but <a target="_blank" href="https://www.businessinsider.com/what-is-portfolio-career-pros-cons-income-streams-side-hustles-2024-9">it's not for everyone</a>.</li><li>Hollywood's bleeding under post-strike pressures. Despite gains in wages and benefits won after last year's Hollywood writers' and actors' strikes, <a target="_blank" href="https://www.businessinsider.com/tv-shows-bounce-back-new-rules-bring-pain-hollywood-points-2024-9">the industry is still struggling</a>. Spending on new content has significantly declined, and everyone's biting their nails over AI.</li></ol><h2 id="1ad7b482-3f4b-44b4-81b6-a864aa386478">In other news</h2><ul><li>I went to Big Lots and saw why the chain is <a target="_blank" href="https://www.businessinsider.com/big-lots-felt-like-stepping-back-in-time-retail-discount-2024-9">closing stores and filing for bankruptcy</a>.</li><li>How Bear Grylls spends his 5 to 9 — <a target="_blank" href="https://www.businessinsider.com/bear-grylls-daily-routine-barefoot-walks-cold-plunges-plenty-meat-2024-9">from walking barefoot outdoors to cold plunges</a>.</li><li>Meet the 10 biggest wealth gainers this year — <a target="_blank" href="https://www.businessinsider.com/wealth-gain-rich-list-billionaires-nvidia-huang-meta-zuckerberg-buffett-2024-9">who've added a combined $360 billion to their fortunes in 2024</a>.</li></ul><h2 id="9f5d80ac-3466-429f-a50a-2ffbb70c65ff">What's happening today</h2><ul><li>Kamala Harris meets with Teamsters leaders.</li><li>Court hearing in TikTok's challenge to a Biden administration law forcing the app's sale or ban.</li><li>The Booker Prize for Fiction shortlist nominees are announced.</li></ul>The Insider Today team: Dan DeFrancesco, deputy editor and anchor, in New York. Hallam Bullock, senior editor, in London. Milan Sehmbi, fellow, in London. Amanda Yen, fellow, in New York.

The race in Big Tech to sell customers on AI products is heating up

<ul class="summary-list"><li>Kemo Sabe in Jackson, Wyoming, customizes high-end Western hats that cost up to $895.</li><li>Rihanna, Shania Twain, and other celebrities have dished out for the luxurious ranch hats.</li></ul>"Oh man, it's my husky out there crying, sorry," a woman said as she stepped into <a target="_blank" class="" href="https://www.businessinsider.com/jeff-bezos-rode-horse-into-kemo-sabe-store-in-aspen-colorado-2019-1">Kemo Sabe</a>, a luxury <a target="_blank" class="" href="https://www.businessinsider.com/guides/style/best-cowboy-boots-men">Western apparel store</a> in <a target="_blank" class="" href="https://www.businessinsider.com/jackson-hole-airport-wyoming-national-park-review-2024-9">Jackson, Wyoming</a>. "I'm going to have to buy a hat in here. This is so cool.""Oh, we can certainly help with that," said Kristen Carelas, a sales floor supervisor who molds and customizes hats for customers.Kemo Sabe started in Aspen, Colorado, in 1990 and has since become well known for its high-end <a target="_blank" class="" href="https://www.businessinsider.com/elon-musk-cowboy-hat-worn-the-correct-way-stetson-director-2023-9">Western hats</a>. Celebrities and icons, from Rihanna to <a target="_blank" href="https://www.businessinsider.com/shania-twain-most-daring-fashion-photos-2023-8">Shania Twain</a> and the Kardashians, have all been spotted wearing Kemo Sabe hats.If you look at the brand's website, you'll find hats ranging from $225 to $895. Custom additions like bands to wrap around the hats can bring the price up into the thousands. The most expensive band on the company's website costs $3,500.The store has seven locations in Colorado, Montana, Texas, Utah, and Jackson, Wyoming.<div type="image" title="The exterior of KemoSabe on a hilly street with plants hanging from the awnings" height="2880" width="3840" msid="114171525" hostid="261" sizebytes="773270"></div>I recently visited the Jackson location and got a behind-the-scenes look at how its employees like Carelas customize the hats and create a one-of-a-kind <a target="_blank" class="" href="https://www.businessinsider.com/accessory-trends-whats-popular-and-out-right-now-summer-2024">statement accessory</a> for each customer.<h2 id="cca7969c-05b1-49ec-baf9-3d72ebc134d2">The store epitomized the American West</h2><div type="image" title="Inside a western store with brick walls, hats and boots on shelves lining the walls, racking of clothing, and display cases of knives, jewelry, and other accessories" height="2560" width="3840" msid="114171514" hostid="261" sizebytes="1082360"></div>The walls were made of rustic bricks and wooden planks in various colors.Countless ranch hats sprawled across one wall while <a target="_blank" class="" href="https://www.businessinsider.com/guides/style/best-cowboy-boots-men">cowboy boots</a> lined the other.<div type="image" title="A bar with a glass water jug, cups, and a whisky tap on the counter" height="2560" width="3840" msid="114171510" hostid="261" sizebytes="1582090"></div>The store also sold shiny buckles, vintage jewelry, clothing, knives, and winter accessories like fur-lined leather gloves.Upstairs, there was a speakeasy serving cocktails.<h2 id="8d30d7b0-b57b-49d6-9831-225e75a5b5e1">Hat customization takes place behind the counter at the front of the store</h2><div type="image" title="An accessories stand for cowboy hats in a store with wood floors and a wood counter in front of an animal skull on the wall behind the counter" height="2560" width="3840" msid="114171518" hostid="261" sizebytes="1751494"></div>This seemed like a sensible spot for the artistic workspace since it was the only part of the store with natural light.Carelas said customization is included in the price of a hat, but some of the decor comes at an additional price."Customizations such as a few feathers and branding come at no additional cost, but the bands will cost a wide variety," a representative of Kemo Sabe told BI, adding that they have "hand-dyed silk and leather cording for $10, or handmade leather, sterling silver, semi-precious stones, and diamond hat band options" starting at $95."A hat is not only protecting you from the elements — it's representing your personality. You've got to have some fun with it," Carelas, who has been molding and styling hats at Kemo Sabe for just over a year, said.<h2 id="447ad168-063b-4716-a376-b9b51bbdbf45">Carelas started the customization process by selecting a hat off the wall</h2><div type="image" title="A wall lined with cowboy hats with boots lining the ground beneath them" height="2560" width="3840" msid="114171529" hostid="261" sizebytes="1522226"></div>Carelas said selecting the hat is typically the longest part of the process."It is an investment. So we want to get it right," she said. "We have tons of different options. We have more in the back, and we'll bring out every single option."The store carries two brands of hats — Stetson and Kemo Sabe. Although Stetson makes hats that cost thousands of dollars, Kemo Sabe only sells less expensive <a target="_blank" class="" href="https://www.businessinsider.com/why-stetson-so-expensive-cowboy-hats-2022-1">Stetson hats</a> that are pre-molded. The Kemo Sabe hats they sell are more expensive."We hand-mold every single one," Carelas said of the Kemo Sabe hats, adding that they start flat upon selection, and the employees shape them in-house to the customer's liking.<div type="image" title="A woman inside a western store uses a stick to grab a cowboy hat on a wall lined with cowboy hats" height="2560" width="3840" msid="114171530" hostid="261" sizebytes="1326478"></div>"From fedora style to cowboy Western, every person is so different," she said. "So we like to give them a huge range."At Kemo Sabe, customers cannot touch the hats on the wall. Instead, Carelas uses long, thick sticks to grab the hats customers are interested in purchasing.<h2 id="6b363fce-a51e-4294-92c4-2c42e036e6ce">Once she selected a hat, it was time to steam</h2><div type="image" title="A woman steams a hat inside a western store with hate hanging on the wall behind and clouds of steam in front of her" height="2560" width="3840" msid="114171531" hostid="261" sizebytes="1063468"></div>Carelas selected a flat-brimmed hat and pulled a steamer out of the cabinet below the counter in the workstation.She pressed the brim into the mouth of the steamer as clouds of steam surrounded her.<div type="image" title="A woman steams a hat inside a western store with hats hanging on the wall behind" height="2880" width="3840" msid="114171522" hostid="261" sizebytes="1737842"></div>"This helps open up the fibers so that we can shape it, mold it, and give it a little curl," she said.Between rounds of steaming each section of the brim, Carelas folded the softened hat into a Western cowboy shape.<h2 id="eeb02064-f728-491d-b239-ebc53c7b1a58">Next, she added decorative details</h2><div type="image" title="Behind a counter at a western store with a cowboy hat on the left side and an iron and a hot glue gun on the right" height="2560" width="3840" msid="114171520" hostid="261" sizebytes="897750"></div>When styling for a client, Carelas said she asks the customer where they plan to wear the hat before accessorizing."It could be for a special occasion like a <a target="_blank" class="" href="https://www.businessinsider.com/things-you-should-never-do-as-someone-in-bridal-party-2022-8">bridal party</a>. It could be for going to concerts or even just for everyday wear," she said. "That's when we find out what they are looking for out of the hat."For example, some want a glitzy, bedazzled hat, while others prefer a rustic vibe."I wrap tons of different options to show them what possibilities their hat can become," she said.<h2 id="cb03e10d-55ce-49a3-bc7a-206c87d415ca">Adding flair to a hat is all about layering</h2><div type="image" title="A woman in a cowboy hat stitches a black hat at a work station inside a western store" height="2560" width="3840" msid="114171533" hostid="261" sizebytes="1197788"></div>Since she was designing for my tour rather than a customer, Carelas made a hat to her liking. She selected a black, flat-brimmed hat to create an edgy, <a target="_blank" class="" href="https://www.businessinsider.com/artists-inspired-by-taylor-swift-quotes-2022-3">Taylor Swift-inspired</a> look for attending concerts.Carelas first stitched a black silk band around the rim."I'm trying to get it placed to where I want it to be for my other layers," she said.<div type="image" title="Two images of A woman in a cowboy hat accessorizing a black hat at a workstation at western store with cowboy hats on the wall in the background" height="3000" width="4000" msid="114171523" hostid="261" sizebytes="1722490"></div>Next, she added layers of beads and jewels."For a concert, I recommend making a showstopper. We have to add pizazz," Carelas said. "And then, of course, Taylor always adds some sparkle and flair. So we have to add diamonds."<div type="image" title="A woman accessorizes a black hat with accessories dangling from racks in the background" height="2560" width="3840" msid="114171527" hostid="261" sizebytes="1255842"></div>Lastly, Carelas added a small meteorite knife and a Porcupine quill for a touch of edginess.<h2 id="5676f99c-6f86-4abb-9dfb-131cb9c660a5">The final step is branding</h2><div type="image" title="A workstation with iron branding icons on the right and a cowboy hat on the left" height="2560" width="3840" msid="114171515" hostid="261" sizebytes="1081022"></div>Carelas selected another hat and took me to the branding station, where there were dozens of tiny metal symbols, images, and letters to burn onto the hat.Branding a hat doesn't cost extra, and there's no limit to how much you can add. Carelas said Kemo Sabe is known for its branding — and some people tend to go all out."The other day, I had a guy who wanted to brand everything he's hunted," she said.I watched Carelas brand a hat letter by letter to say "Live a Little."<div type="image" title="Two images: Left: A hat lights a metal branding tool in a metal cone. Right: A close-up of a woman branding a cowboy hat with smoke coming from the hat." height="3000" width="4000" msid="114171519" hostid="261" sizebytes="1174190"></div>"This is my favorite part because it reminds me of tattooing," she said, adding that she <a target="_blank" class="" href="https://www.businessinsider.com/how-tattoos-helped-me-love-my-body-2023-10">tattoos</a> as a side gig.She attached the letter to a metal rod and torched it before carefully stamping the hat."So you start slow and work your way up," she said. "You have to find that right little sweet spot. It can get nerve-racking, but I find it so peaceful."Some customers request entire sentences or phrases to be branded onto their hats."I did a <a target="_blank" class="" href="https://www.businessinsider.com/husband-forgot-anniversary-again-and-love-him-for-it-2023-12">wedding anniversary</a> hat not too long ago," she said. "The husband wanted to surprise his wife with the first verse of their song."She said being a part of special moments in people's lives makes her job feel less like work."You never know who you get to style, and that makes it so much more enjoyable," she said. "It's never boring."<div type="image" title="Two images: Left: A woman in a hat faces a brick wall lined with hats while holding up a black cowboy hat. Right: The same woman in the same environment and pose holding a white cowboy hat" height="3000" width="4000" msid="114171511" hostid="261" sizebytes="1529910"></div>When she finished styling and branding the hats, I began to understand why people pay so much for them.They're built to last a lifetime — and with the range of customizations included in the price, customers leave with a hat you won't spot on anyone else's head.

Behind the scenes of Kemo Sabe, where celebrities pay up to $900 for custom cowboy hats 

<ul class="summary-list"><li>Emteq Labs, a UK-based wearable tech company, unveiled emotion-sensing eyewear powered by AI.</li><li>Sense glasses analyze facial expressions and track physical activity and eating habits.</li></ul><a target="_blank" class="" href="https://www.businessinsider.com/category/smart-glasses">Smart glasses</a> are taking the tech world by storm, allowing customers to leverage AI and wearable cameras to capture the world around them.One company wants to help people wearing smart glasses look inward to gain insights into their own health.Emteq Labs, a UK-based company, announced on Tuesday that it had developed the "world's first emotion-sensing eyewear," which it named "Sense."Sense uses a platform powered by AI that offers "lab-quality insights in real life and in real time," the company said in a press release.Emteq's new CEO, Steen Strand, previously <a target="_blank" class="" href="https://www.businessinsider.com/snap-power-players-executives-leading-company-with-evan-spiegel-2020-7#steen-strand-heads-up-snap-labs-which-works-on-the-companys-spectacles-ar-efforts-spiegel-has-prioritized-30">led the hardware division</a> at Snap Inc., which is also competing in the smart glasses game with its AR <a target="_blank" class="" href="https://www.businessinsider.com/snap-new-ar-spectacles-kind-of-cartoonish-looking-2024-9">Spectacles</a>. Another competitor, Meta, recently announced updates to its <a target="_blank" class="" href="https://www.businessinsider.com/meta-ray-bans-have-new-features-smart-glasses-2024-9">Ray-Ban smart glasses</a> and showed off its <a target="_blank" class="" href="https://www.businessinsider.com/orion-meta-ar-smart-glasses-review-2024-9">Orion AR glasses</a>, though those may never be made available to the public.Emteq is only looking at commercial partners right now, so the emotion-sensing glasses are not available to consumers.Strand and Dr. Charles Nduka, the founder and chief science officer at Emteq Labs, told Business Insider that they hope Sense's insights can help people who are struggling with things like mental illness or obesity."With most smart glasses, the sensors are looking out, whereas the data we are gathering is looking at the wearer," Nduka said. "What you can't measure, you can't improve."Strand, who wore the Sense glasses during a demonstration for BI, showed how the glasses use contactless sensors to analyze facial data in real time, such as a raise of the eyebrow, a smile, or a frown. Similar to a smartwatch or a smart ring, Sense glasses track physical activity.<div type="image" title="A graphic showing Sense glasses with the app tracking data in the background." height="1080" width="1920" msid="114255275" hostid="261" sizebytes="33322"></div>The glasses also have a downward-facing camera for photographing food for meal tracking. That data is analyzed and transferred to the Sense app, and the photo is discarded, Strand said. The goal is to make food logging a passive activity, which can "dramatically increase the compliance" when working toward a goal or abiding by a certain diet, Strand said."For the diet application, we are now closing the loop. We know what you are eating, we know how you are eating, we know your physical activity and your exercise," he said.Strand added that he thinks the glasses could also be used for managing neurological conditions, such as autism or Parkinson's."We want to figure out what are the needs that give them a real benefit," Strand said of potential consumers, "and justify wearing the glasses."

These AI-powered smart glasses monitor your emotions and your eating habits

<ul class="summary-list"><li>Sherwin-Williams will join the Dow Jones Industrial Average on November 8.</li><li>Sherwin-Williams has a market cap of $90.15 billion.</li></ul>Your neighborhood paint company just made it to the Dow Jones Industrial Average.<a target="_blank" class="" href="https://www.businessinsider.com/personal-finance/investing/what-is-dow-jones">The Dow Jones Industrial Average</a> is one of the oldest stock market indexes. It includes 30 of the most influential and capitalized companies in the US economy.S&amp;P Dow Jones Indices announced on Friday that it will add <a target="_blank" class="" href="https://markets.businessinsider.com/stocks/shw-stock">Sherwin-Williams</a> to the index to "ensure a more representative exposure" to the materials industry.The paint company will replace Dow Inc., a materials science company, before trading opens on November 8.Here's everything you need to know about Sherwin-Williams.<h2 id="8c5ff687-9825-4fd9-8d54-3e4d256af199">All about The Sherwin-Williams Company</h2>Founded in 1866 by Henry Sherwin and Edward Williams, the company is headquartered in Cleveland and employs over 64,000 people.Sherwin-Williams boasts of several innovations in the painting industry, including the first resealable paint can and the first ready-mixed paint. It later introduced the paint can shaker, which could mix five gallons of paint so customers could purchase more.It is now run by Heidi Petz, who was named CEO and president at the start of 2024 after serving as the company's chief operating officer and president. She replaced former CEO John Morikis, who has continued to serve as the executive chairman.The company has over 5,000 company-operated store locations in the US, Canada, Latin America, and the Caribbean. It also sells additional paint brands through retailers and distributors in Europe, Australia, New Zealand, and China.Despite being selected for the Dow Jones Industrial Average, the company's profits grew slower than expected in the most recent quarter. In its third-quarter earnings call in October, the company fell short of expectations, posting profits of $3.37 a share instead of a predicted $3.55 a share."In what remains a tough macroeconomic environment, our strategy continues to be providing our customers with differentiated solutions that make them more productive and profitable," Petz said at the time, highlighting "continued softness in the North American DIY market."Petz said it invested "ahead of the curve" in the third quarter, making "near-term investments in stores, sales and technical reps, expanded services and digital capabilities" to generate growth."Our team is focused, determined, and experienced, and we will continue to aggressively pursue above-market growth while controlling what we can control," Petz said.As of November, Sherwin-Williams has a market capitalization of $90.15 billion.

Sherwin-Williams: Everything you need to know about the neighborhood paint store that made it to the DJIA

<ul><li><keyword id="19894961" type="General" weightage="20" keywordseo="Apple" source="keywords" meta.keywordsubtype="org" meta.entityname="Apple" meta.hostid="261" meta.entityid="Apple">Apple</keyword> is set to open four new retail stores in India by next year.</li><li>The company is looking to recruit around 400 employees in India for these stores.</li><li>Here’s everything you need to know about the job opening at Apple.</li></ul> Cupertino tech giant Apple is expanding its retail presence in India amid a rise in sales of the iPhone. The company recently announced the launch of four new retail stores in Bengaluru, Delhi-NCR, Mumbai and Pune. Ahead of the launch of these stores, the company is now looking to hire 400 employees in the country. The company has revealed that it is looking to recruit around 400 people for these stores. The company has listed several new <keyword id="20076347" type="General" weightage="20" keywordseo="job-openings" source="keywords">job openings</keyword> on its website ahead of next year’s store launch. Apple currently employs around 100 employees at its stores in Delhi’s Select City Walk and Mumbai’s BKC. <h2>400 job openings at Apple</h2>The 400 job openings announced by Apple include both full-time and part-time roles. The roles announced include Business Pro, Operations Expert, Technical Specialist and more. “As a Business Pro, you help customers discover how Apple products can transform the way they work — and you build loyalty by maintaining those customer relationships. In this role, you serve as both a resource and a mentor to your fellow <keyword id="11919569" type="General" weightage="20" keywordseo="Apple-store" source="Orion">Apple Store</keyword> team members. You also partner with store leadership to find opportunities to connect customers with powerful tools and solutions that help their business thrive,” reads the Business Pro job description on the company’s website. The jobs are aimed at recent graduates looking to earn money and experience by working flexible shifts at the Apple Store. In addition to hiring through its website, the company has also started recruiting people through job platforms such as LinkedIn. "It's amazing to see Apple expand across this incredible country in Delhi, Mumbai, Pune and Bengaluru. We are looking to talk to people across many roles,” an Apple recruiter said on LinkedIn. To apply, you can visit the<a href="https://jobs.apple.com/en-in/search"> company’s website</a>, which currently has over 600 job openings or contact the recruiters on LinkedIn. <h2>Apple’s push in India</h2>India is now emerging as a key market for India as the customers in the world’s second-biggest smartphone market are on the premiumisation bandwagon. There has been a steady increase in the sale of iPhones in the country. Apple recorded a 33% growth in India in the previous fiscal year, recording sales of over INR 65,000 crore. As per IDC, Apple is expected to sell 12 to 12.5 million iPhones in 2024, a 25% year-on-year growth. <div type="Article" hostid="261" msid="112653019" title="The iPhone Pro models will be made in India for the first time this year" mstype="2" mssubtype="0"></div> Apple has also made a manufacturing push in India, with the entire iPhone 16 lineup being<a href="https://www.businessinsider.in/tech/mobile/news/the-iphone-pro-models-will-be-made-in-india-for-the-first-time-this-year/articleshow/112653019.cms"> produced</a> in the country, a first for the company. SEE ALSO: <a href="https://www.businessinsider.in/tech/news/nvidia-and-reliance-industries-to-build-ai-computing-infrastructure-in-india/articleshow/114551439.cms">NVIDIA and Reliance Industries to build AI computing infrastructure in India</a> <a href="https://www.businessinsider.in/stock-market/news/waaree-energies-ipo-allotment-how-to-check-allotment-ipo-gmp-listing-date-and-more/articleshow/114508632.cms">Waaree Energies IPO allotment – How to check allotment, IPO GMP, listing date and more</a> <a href="https://www.businessinsider.in/tech/mobile/news/snapdragon-8-elite-announced-to-power-iqoo-13-oneplus-13-xiaomi-15-series-and-more/articleshow/114463844.cms">Snapdragon 8 Elite announced, to power iQOO 13, OnePlus 13, Xiaomi 15 series and more</a>

Apple is hiring 400 employees in India – roles, how to apply and all you need to know

<ul class="summary-list"><li>Kanny is a startup that uses character assessments to improve the <a target="_blank" class="" href="https://www.businessinsider.com/multiple-job-interviews-a-pain-but-also-benefit-workers-2024-8">hiring processes</a> for employers.</li><li>Character is more crucial than skills, but it's often hard to evaluate, Kanny's CEO told BI.</li></ul>One area of my <a target="_blank" href="https://www.businessinsider.com/finding-job-awful-right-now-drop-in-openings-tough-search-2024-9">work</a> where I appear to be better than others is remaining humble.That's according to a survey of some colleagues who rated me on six traits.My coworkers — geniuses, all — made the evaluation using a tool from the startup <a target="_blank" class="" href="https://www.kanny.com/">Kanny</a>, which aims to improve hiring by assessing what it calls a job candidate's work character."The most important thing when hiring is not hard or soft skills or even expertise. It is character," Kanny CEO and cofounder Sean Vassilaros told me. "It's also the most important or most difficult thing to ascertain."He said Kanny is trying to return some power to the employer — though that may seem counterintuitive to many job seekers, for whom it can feel like bosses hold all of the proverbial cards. Bosses can <a target="_blank" href="https://www.businessinsider.com/why-hard-to-find-job-us-though-unemployment-low-2024-2">ghost candidates</a> — or sometimes list <a target="_blank" href="https://www.businessinsider.com/fake-job-listings-rampant-labor-market-employment-hiring-process-difficult-2024-5">fake jobs</a> — and they can put people through round after <a target="_blank" href="https://www.businessinsider.com/people-looking-for-jobs-enduring-many-rounds-of-interviews-2024-7">round of interviews</a>.Yet the control that job seekers have, Vassilaros said, is in shaping the narrative of who they are."How many times have you heard the story of, 'Hey, I hired this person. They knocked my socks off in the interview,'" he said. And then "'they turned out to be an absolute disaster.'"Vassilaros said that because workers control their résumé, references, social media presence, and LinkedIn profile, it can be difficult for would-be employers to suss out a sus applicant."The entire hiring process is curated by the candidate," he said. "It's all packaged up in this sales job to hand to you."It's of course reasonable that job seekers would seek to present themselves in the best light, Vassilaros said. The trouble is that when that happens, it often leaves those conducting an interview without a way to get "really good, keen insights.""I, for sure, can't ask your references," he said. "These are your champions, as they should be."<h2 id="d3ff94a0-902b-4c70-a34c-0b99b67ffc75">The reviews are in</h2>I signed up for Kanny, albeit with some trepidation, using my LinkedIn login. That's how Kanny knew who I was and found coworkers. They could have been former colleagues or people I work with now. Someone requesting a review can also limit the ask to former coworkers.Within a day or two of completing my sign-up, I received a few texts and emails from people, leery of a scam, asking whether I actually wanted their feedback on my character. I assured them it was legit and that I would Venmo them in exchange for a favorable review (kidding).Vassilaros said worries about whether the request is valid is one reason the company encourages people to let current and former colleagues know the request is legitimate. Kanny offers templates for email, text, and LinkedIn messages. Users must opt in to see whether and how others have reviewed them.Reviewers rate someone on six criteria: integrity, accountability, respect, humility (ahem), confidence, and grit.A former boss told me it only took a minute or so to complete. That's partly because reviewers move a slider to the left or right. There isn't a field for a reviewer to enter open text.That's by design, Vassilaros said. The idea is to have everyone marked on the same scale. It's a way of making subjective data more objective, he said, and less reliant on sentiment."They can't be like, 'This guy stole my lunch,'" he said. "We don't want that information."The algorithm considers what Vassilaros calls "work relationship" information, including how closely, how long — and how long ago — you worked with someone. Scoring is also set so that if certain reviewers are too negative or too positive, their impact is blunted."This is not meant to tank or to hurt anyone. This is meant, literally, to reward but also give you information on how to develop and get better," he said.Reviewers are anonymous — and responses are only shown in aggregate though it takes at least five reviews before Kanny will generate a report.I only heard from a handful of people, and I'm not sure how many colleagues actually evaluated my character traits. Given my above-average score in some areas, I'd imagine it was only a handful of true believers.Once I logged in to Kanny's website, I could see my ratings on a dashboard and how I compared with other Kanny users —hence my not-so-humble-bragging about my humility. And if I'm honest, my results in that category were only a tiny bit above the average.It was fun to see my scores from mystery colleagues. Yet more important, it struck me that anytime you can offer employers better insights into how a job seekers' colleagues regard them, it could be a notable step toward making the hiring process feel more humane.Users like me can ask others to review them; by the end of the year, Vassilaros said, Kanny plans to open up the tool to corporate customers. That way, an employer could request that an applicant go through the Kanny process and get ratings.He said he plans to integrate Kanny into the <a target="_blank" href="https://www.businessinsider.com/why-your-resume-gets-rejected-job-search-bots-people-ats-2024-5">applicant-tracking systems</a> most large employers use to help manage their hiring process.Vassilaros said a recruiter needing to sort through 1,000 applicants for a role might instantly whittle it down to 20 by ranking according to these character snapshots.From there, a recruiter could dig into a person's report to learn about an applicant's strengths and weaknesses.Yet, Vassilaros said, a low score in a particular category might not be a dealbreaker.He offered the example of a software developer who got high marks for accountability and integrity but came in lower on respect. That suggests he might not work well with others, Vassilaros said. "That may be acceptable for that role," he said.<h2 id="8e895964-3bc8-4993-8695-9a4e94228f26">Looking at character in other ways</h2>Kyle Samuels, founder and CEO of the executive search firm Creative Talent Endeavors, told me that understanding an organization's character is crucial when hiring. A company like REI or Patagonia, he said, might focus on helping employees shine, whereas an investment bank might value a more competitive, self-driven worker.Samuels said that an applicant's character can be revealed throughout the hiring process. What is a person's demeanor? Does the candidate show up on time? Is the job seeker rude to his assistant?"Those are things sometimes that have stopped me from even having an interview with a candidate," he said.Samuels has also seen job seekers pass along proprietary information from their current employer to try to impress a prospective boss. That can be a red flag, Samuels said."There are certain companies who will clutch their pearls at that. And there are other companies saying, 'So, you're bringing over your client list, right?'" he said.In some industries, killing it at work might allow individuals with less favorable character traits to thrive, he said. You might be a jerk, Samuels said, but if you brought in $4 million in sales this quarter, an employer might be willing to overlook gaps in character.Samuels said a tool that gets at a candidate's character might be most helpful for lower-level roles, where the interview process is often less extensive than for a senior position.<h2 id="e35ebf96-a7dc-4a90-a51d-86d4132b41d0">Defining character can be messy</h2>Rebecca Arnold, founder of Root Coaching &amp; Consulting, told me that she's not sure that character assessments based on someone's LinkedIn connections would eliminate the type of bias that is often part of a job seeker's references."You probably don't have thousands of enemies in your LinkedIn network," she quipped.Arnold also said that broad terms like respect and integrity can be open to interpretation.Getting it right is important but often difficult for employers, she said."They often only find whether someone is really strong in these characteristics or weak after they've been hired," Arnold said, adding that bringing in people who fall short around character can hurt an organization's culture.Vassilaros, from Kanny, said that the company has technology that can find people you've worked with who might not be connections on LinkedIn. He also said the company tries to define the attributes reviewers use so that the terms are specific to work.Vassilaros added that his experience running other companies made it clear to him how hard it is to determine a candidate's character before making a hire."I was probably batting about a 60% success rate," he said.Vassilaros said his goal is to make character in the workplace a bigger focus."That should drive the conversation," he said.Do you have something to share about what you're seeing in the workplace or in your job search? Business Insider would like to hear from you. Email our workplace team from a nonwork device at <a target="_blank" href="mailto:thegrind@businessinsider.com">thegrind@businessinsider.com</a> with your story, or ask for one of our reporter's Signal numbers.

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