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Heron Financial takes a bold step into the future, unveiling an AI ethics committee and a pioneering training program, setting new standards in responsible AI use.

For the current 2026 fiscal year, low-income economies are defined as those with a GNI per capita, calculated using the World Bank Atlas method, of $1,135 or less in 2024; lower middle-income economies are those with a GNI per capita between $1,136 and $4,495; upper middle-income economies are those with a GNI per capita between

Smart Tech Must-Haves!

In a world that thrives on rapid communication and instantaneous information, the right tech tools can significantly enhance our productivity and enrich our daily interactions. Enter 2025’s lineup of smart devices that are not just gadgets but powerful allies in both our personal and professional lives. From seamless translations to AI-powered recordings, these innovations are redefining convenience.

1. 2025 AI Wireless Mouse for PC Laptop
Imagine a mouse that doesn’t just help you navigate your desktop but also acts as your personal AI assistant-meet the ChatGPT Enabled Bluetooth Mouse. This sleek, ergonomic presenter doubles as a remote laser pointer and features voice recording capabilities, allowing you to capture notes without lifting a pen. Not only can it summarize your meetings, its USB rechargeable battery means you’ll never be caught off guard. Say goodbye to clunky devices and hello to high-performance functionality!

2. AI Translation Earbuds
For globetrotters and business mavens alike, the Real-Time AI Translation Earbuds represent the ultimate trifecta of travel convenience. Supporting an astonishing 144 languages, these 3-in-1 translation headphones will bridge the communication gap whether you’re sipping espresso in Paris or negotiating deals in Tokyo. With a sleek charging case, they make language barriers a relic of the past. Just pop them in, and let the world talk!

3. Plaud Note AI Voice Recorder
What if we told you that capturing ideas and lectures could be as straightforward as pressing a button? The Plaud Note AI Voice Recorder is here to revolutionize your note-taking game. With its ability to transcribe and summarize conversations in real-time, all while supporting 112 languages, it’s an invaluable tool for students, professionals, or anyone who wants to ensure they never miss a detail. Plus, with 64GB of storage, you can record hours of content without worrying about running out of space.

4. rabbit r1 Voice-Activated AI Assistant Device
Last but certainly not least, the rabbit r1 is like having a personal assistant that never takes a day off. This voice-activated AI device is not only an effective voice recorder but also offers transcription, summarization, and a magic camera feature-perfect for capturing both audio and visuals effortlessly. With more than 100 language translations at your disposal and zero subscription fees, it’s a smart investment for anyone seeking to boost productivity.

As we edge further into 2025, the integration of smart technology in our daily lives is not merely advantageous; it’s essential. Each of these must-have devices offers unique features tailored to meet varied needs-whether streamlining office tasks, easing communication barriers, or simplifying note-taking. Choose the ones that resonate with your lifestyle and step into a future that’s not just smart but also seamless!

上周，苹果发布了搭载最新M4芯片的三款Mac。 M4是苹果自己设计的芯片，ARM架构，采用台积电第二代3nm制程制造。 其实它早在24年5月就在iPad Pro上搭载了，只是最近才把它放在了Mac上。 这一代同上一代M3一样，是3nm制程。但M4的3nm是台积电的第二代3nm工艺，在能效表现上又跨了一大步，并且竟然没扯到蛋。 所以，这一代Mac的性能相比上一代提升了30%，MacBook Pro续航也大大增加，达到了24小时，让俺们牛马在实现724工作制的道路上又近了一步。 M4一共有三个版本，M4、M4 Pro以及M4 Max。 即所谓的中杯、大杯、超大杯。 满血版的普通M4有10个CPU核心，10个GPU核心和16个NPU核心。 其中，10个CPU核心包含4颗性能核心和6颗能效核心。 这颗芯片搭载在基础款的MacBook Pro、Mac mini和iMac上。 不过要注意，iMac最低配上的M4是残血版，它的CPU和GPU都只有8核。 估计未来的M4 MacBook Air低配款同样也是残血M4。 这是在geekbench上，满血版10核M4的跑分： 因为工艺进步，M4的单核跑分大幅领先M3的3100，史上最高。 从多核跑分上来看也是不得了，10核的M4达到了12核M2 Max的水平。 这里简单说下单核跑分和多核跑分的意义。 单核跑分反映其中的一个CPU核心的性能。单核分数越高，在处理单线程任务的时候，性能就越好，用起来越丝滑。 日常的很多工作大多属于是这种类型的，比如上上网、做做表什么的。 因此，普通款的M4对于轻度用户来说是个很好的选择。如果不搞编程、不剪视频啥的，我觉得还可以等等明年更便宜的MacBook Air。 而多核跑分反映的就是所有CPU集火输出的能力，对于专业用户来说，比如剪视频、编译代码啥的，多核跑分就很重要。 因此，单论CPU性能，M4用起来绝对比M2 Max爽。 二、大杯：M4 Pro 现在我们来看看中档的M4 Pro。 M4 Pro其实有两款，差价1500块： 12核CPU、16核GPU 14核CPU、20核GPU 满血版的是14核CPU和20核GPU。CPU核心多了4个，但GPU数量相比普通M4翻倍了。 M3 Pro的内存带宽很高，达到了273GB/s，相比M3 Pro提升了75%。 高带宽意味着短时间内可以向内存读写更多的内容，在处理重度任务时比较有优势，比如视频渲染、大模型训练等等。 另外，M4 Pro支持雷雳5接口，而普通M4只支持雷雳4。 「雷雳」就是英特尔的雷电技术，用的是USB Type-C接口。雷雳5传输速率可以达到120 Gbit/s，非常快，是雷雳4的三倍。 如果你有雷雳5设备，传输数据的时候就会非常爽。 但雷雳5的设备价格非常贵，就连一根数据线都可能要上百块，你的钱包可能会非常不爽。 我们来看看M4 Pro的跑分： 单核就不说了，所有M4都一样。

Authors What is AI?  Artificial intelligence (AI) is technology that enables computers and machines to simulate human learning, comprehension, problem solving, decision making, creativity and autonomy. Applications and devices equipped with AI can see and identify objects. They can understand and respond to human language. They can learn from new information and experience. They can