You Need a Budget (YNAB) (pronounced ) is an online personal budgeting program based on the envelope system developed by a privately owned American company of the same name. It is available via any web browser or a mobile app. == History == The program was initially developed as standalone software in 2004 by Jesse Mecham, while he was in college pursuing his master's degree in accounting, after he and his wife faced financial difficulty and decided to improve their budgeting. It evolved from a spreadsheet that he created for the budgeting process. The acronym stands for "you need a budget." In 2015 they changed their licensing model to software as a service. In 2020, YNAB had 115 employees, all working remotely. == Overview == The service encourages users to follow four principles or "rules": Give every dollar a job: Each dollar in a budget is allocated to a specific purpose. This concept is also called zero-based budgeting. Embrace true expenses: All expenses are planned for, so that there are no surprises. Roll with the punches: Being flexible when there is overspending. Age your money: Keeping money in your budget without immediately spending it. Users can either import transactions automatically from their financial institutions or input them manually. The software also displays financial reports to keep users informed about their finances at a glance. == Awards and recognition == YNAB has been named one of the best budgeting apps by U.S. News & World Report, Kiplinger's Personal Finance, CNN, HuffPost, CNBC, and hundreds of other financial reporting outlets. The Wall Street Journal – Best budgeting app for hands-on budgeters. Forbes – Best Budgeting Apps Money – Best budgeting app for college students. Lifehacker – Most popular personal finance software. Wirecutter – "Great pick for hard-core budgeters". Investopedia – Best overall budgeting app.
Scenery generator
A scenery generator (or terrain generator) is a software used to create landscape images, 3D models, and animations. These programs often use procedural generation to generate the landscapes, or sometimes created and rendered by a 3D artist. These programs are often used in video games or movies. Basic elements of landscapes created by scenery generators include terrain, water, foliage, and clouds. The process for basic random generation uses a diamond square algorithm. == Common features == Most scenery generators can create basic heightmaps to simulate the variation of elevation in basic terrain. Common techniques include Simplex noise, fractals, or the diamond-square algorithm, which can generate 2-dimensional heightmaps. A version of scenery generator can be very simplistic. Using a diamond-square algorithm with some extra steps involving fractals, an algorithm for random generation of terrain can be made with only 120 lines of code. The program in example takes a grid and then divides the grid repeatedly. Each smaller grid is then split into squares and diamonds and the algorithm then makes the randomized terrain for each square and diamond. Most programs for creating landscapes also allow for adjustment and editing of the landscape. For example, World Creator allows for terrain sculpting, which uses a similar brush system as Photoshop, and allows for additional terrain enhancement with its procedural techniques such as erosion, sediments, and more. Other tools in the World Creator program include terrain stamping, which allows you to import elevation maps and use them as a base. The programs tend to also allow for additional placement of rocks, trees, etc. These can be done procedurally or by hand depending on the program. Typically the models used for the placement objects are the same as to lessen the amount of work that would be done if the user was to create a multitude of different trees. The terrain generated the computer does a generation of multifractals then integrates them until finally rendering them onto the screen. These techniques are typically done “on-the-fly” which typically for a 128 × 128 resolution terrain would mean 1.5 seconds on a CPU from the early 1990s. == Applications == Scenery generators are commonly used in movies, animations, 3D rendering, and video games. For example, Industrial Light & Magic used E-on Vue to create the fictional environments for Pirates of the Caribbean: Dead Man's Chest. In such live-action cases, a 3D model of the generated environment is rendered and blended with live-action footage. Scenery generated by the software may also be used to create completely computer-generated scenes. In the case of animated movies such as Kung Fu Panda, the raw generation is assisted by hand-painting to accentuate subtle details. Environmental elements not commonly associated with landscapes, such as ocean waves, have also been handled by the software. Scenery generation is used in most 3D based video-games. These typically use either custom or purchased engines that contain their own scenery generators. For some games they tend to use a procedurally generated terrain. These typically use a form of height mapping and use of Perlin noise. This will create a grid that with one point in a 2D coordinate will create the same heightmap as it is pseudorandom, meaning it will result in the same output with the same input. This can then easily be translated into the product 3D image. These can then be changed from the editor tools in most engines if the terrain will be custom built. With recent developments neural networks can be built to create or texture the terrain based on previously suggested artwork or heightmap data. These would be generated using algorithms that have been able to identify images and similarities between them. With the info the machine can take other heightmaps and render a very similar looking image to the style image. This can be used to create similar images in example a Studio Ghibli or Van Gogh art-style. == Software == Most game engines, whether custom or proprietary, will have terrain generation built in. Some terrain generator programs include, Terragen, which can create terrain, water, atmosphere and lighting; L3DT, which provides similar functions to Terragen, and has a 2048 × 2048 resolution limit; and World Creator, which can create terrain, and is fully GPU powered. === List of 3D terrain generation software ===
Automatic acquisition of sense-tagged corpora
The knowledge acquisition bottleneck is perhaps the major impediment to solving the word-sense disambiguation (WSD) problem. Unsupervised learning methods rely on knowledge about word senses, which is barely formulated in dictionaries and lexical databases. Supervised learning methods depend heavily on the existence of manually annotated examples for every word sense, a requisite that can so far be met only for a handful of words for testing purposes, as it is done in the Senseval exercises. == Existing methods == Therefore, one of the most promising trends in WSD research is using the largest corpus ever accessible, the World Wide Web, to acquire lexical information automatically. WSD has been traditionally understood as an intermediate language engineering technology which could improve applications such as information retrieval (IR). In this case, however, the reverse is also true: Web search engines implement simple and robust IR techniques that can be successfully used when mining the Web for information to be employed in WSD. The most direct way of using the Web (and other corpora) to enhance WSD performance is the automatic acquisition of sense-tagged corpora, the fundamental resource to feed supervised WSD algorithms. Although this is far from being commonplace in the WSD literature, a number of different and effective strategies to achieve this goal have already been proposed. Some of these strategies are: acquisition by direct Web searching (searches for monosemous synonyms, hypernyms, hyponyms, parsed gloss' words, etc.), Yarowsky algorithm (bootstrapping), acquisition via Web directories, and acquisition via cross-language meaning evidences. == Summary == === Optimistic results === The automatic extraction of examples to train supervised learning algorithms reviewed has been, by far, the best explored approach to mine the web for word-sense disambiguation. Some results are certainly encouraging: In some experiments, the quality of the Web data for WSD equals that of human-tagged examples. This is the case of the monosemous relatives plus bootstrapping with Semcor seeds technique and the examples taken from the ODP Web directories. In the first case, however, Semcor-size example seeds are necessary (and only available for English), and it has only been tested with a very limited set of nouns; in the second case, the coverage is quite limited, and it is not yet clear whether it can be grown without compromising the quality of the examples retrieved. It has been shown that a mainstream supervised learning technique trained exclusively with web data can obtain better results than all unsupervised WSD systems which participated at Senseval-2. Web examples made a significant contribution to the best Senseval-2 English all-words system. === Difficulties === There are, however, several open research issues related to the use of Web examples in WSD: High precision in the retrieved examples (i.e., correct sense assignments for the examples) does not necessarily lead to good supervised WSD results (i.e., the examples are possibly not useful for training). The most complete evaluation of Web examples for supervised WSD indicates that learning with Web data improves over unsupervised techniques, but the results are nevertheless far from those obtained with hand-tagged data, and do not even beat the most-frequent-sense baseline. Results are not always reproducible; the same or similar techniques may lead to different results in different experiments. Compare, for instance, Mihalcea (2002) with Agirre and Martínez (2004), or Agirre and Martínez (2000) with Mihalcea and Moldovan (1999). Results with Web data seem to be very sensitive to small differences in the learning algorithm, to when the corpus was extracted (search engines change continuously), and on small heuristic issues (e.g., differences in filters to discard part of the retrieved examples). Results are strongly dependent on bias (i.e., on the relative frequencies of examples per word sense). It is unclear whether this is simply a problem of Web data, or an intrinsic problem of supervised learning techniques, or just a problem of how WSD systems are evaluated (indeed, testing with rather small Senseval data may overemphasize sense distributions compared to sense distributions obtained from the full Web as corpus). In any case, Web data has an intrinsic bias, because queries to search engines directly constrain the context of the examples retrieved. There are approaches that alleviate this problem, such as using several different seeds/queries per sense or assigning senses to Web directories and then scanning directories for examples; but this problem is nevertheless far from being solved. Once a Web corpus of examples is built, it is not entirely clear whether its distribution is safe from a legal perspective. === Future === Besides automatic acquisition of examples from the Web, there are some other WSD experiments that have profited from the Web: The Web as a social network has been successfully used for cooperative annotation of a corpus (OMWE, Open Mind Word Expert project), which has already been used in three Senseval-3 tasks (English, Romanian and Multilingual). The Web has been used to enrich WordNet senses with domain information: topic signatures and Web directories, which have in turn been successfully used for WSD. Also, some research benefited from the semantic information that the Wikipedia maintains on its disambiguation pages. It is clear, however, that most research opportunities remain largely unexplored. For instance, little is known about how to use lexical information extracted from the Web in knowledge-based WSD systems; and it is also hard to find systems that use Web-mined parallel corpora for WSD, even though there are already efficient algorithms that use parallel corpora in WSD.
Latent semantic mapping
Latent semantic mapping (LSM) is a data-driven framework to model globally meaningful relationships implicit in large volumes of (often textual) data. It is a generalization of latent semantic analysis. In information retrieval, LSA enables retrieval on the basis of conceptual content, instead of merely matching words between queries and documents. LSM was derived from earlier work on latent semantic analysis. There are 3 main characteristics of latent semantic analysis: Discrete entities, usually in the form of words and documents, are mapped onto continuous vectors, the mapping involves a form of global correlation pattern, and dimensionality reduction is an important aspect of the analysis process. These constitute generic properties, and have been identified as potentially useful in a variety of different contexts. This usefulness has encouraged great interest in LSM. The intended product of latent semantic mapping, is a data-driven framework for modeling relationships in large volumes of data. Mac OS X v10.5 and later includes a framework implementing latent semantic mapping.
Fred (chatbot)
Fred, or FRED, was an early chatbot written by Robby Garner. == History == The name Fred was initially suggested by Karen Lindsey, and then Robby jokingly came up with an acronym, "Functional Response Emulation Device." Fred has also been implemented as a Java application by Paco Nathan called JFRED Archived 2008-08-24 at the Wayback Machine. Fred Chatterbot is designed to explore Natural Language communications between people and computer programs. In particular, this is a study of conversation between people and ways that a computer program can learn from other people's conversations to make its own conversations. Fred used a minimalistic "stimulus-response" approach. It worked by storing a database of statements and their responses, and made its own reply by looking up the input statements made by a user and then rendering the corresponding response from the database. This approach simplified the complexity of the rule base, but required expert coding and editing for modifications. Fred was a predecessor to Albert One, which Garner used in 1998 and 1999 to win the Loebner Prize.
Cyber attribution
In the area of computer security, cyber attribution is an attribution of cybercrime, i.e., finding who perpetrated a cyberattack. Uncovering a perpetrator may give insights into various security issues, such as infiltration methods, communication channels, etc., and may help in enacting specific countermeasures. Cyber attribution is a costly endeavor requiring considerable resources and expertise in cyber forensic analysis. For governments and other major players dealing with cybercrime would require not only technical solutions, but legal and political ones as well, and for the latter ones cyber attribution is crucial. Attributing a cyberattack is difficult, and of limited interest to companies that are targeted by cyberattacks. In contrast, secret services often have a compelling interest in finding out whether a state is behind the attack. A further challenge in attribution of cyberattacks is the possibility of a false flag attack, where the actual perpetrator makes it appear that someone else caused the attack. Every stage of the attack may leave artifacts, such as entries in log files, that can be used to help determine the attacker's goals and identity. In the aftermath of an attack, investigators often begin by saving as many artifacts as they can find, and then try to determine the attacker.
Automatic summarization
Automatic summarization is the process of shortening a set of data computationally, to create a subset (a summary) that represents the most important or relevant information within the original content. Artificial intelligence (AI) algorithms are commonly developed and employed to achieve this, specialized for different types of data. Text summarization is usually implemented by natural language processing methods, designed to locate the most informative sentences in a given document. On the other hand, visual content can be summarized using computer vision algorithms. Image summarization is the subject of ongoing research; existing approaches typically attempt to display the most representative images from a given image collection, or generate a video that only includes the most important content from the entire collection. Video summarization algorithms identify and extract from the original video content the most important frames (key-frames), and/or the most important video segments (key-shots), normally in a temporally ordered fashion. Video summaries simply retain a carefully selected subset of the original video frames and, therefore, are not identical to the output of video synopsis algorithms, where new video frames are being synthesized based on the original video content. == Commercial products == In 2022 Google Docs released an automatic summarization feature. == Approaches == There are two general approaches to automatic summarization: extraction and abstraction. === Extraction-based summarization === Here, content is extracted from the original data, but the extracted content is not modified in any way. Examples of extracted content include key-phrases that can be used to "tag" or index a text document, or key sentences (including headings) that collectively comprise an abstract, and representative images or video segments, as stated above. For text, extraction is analogous to the process of skimming, where the summary (if available), headings and subheadings, figures, the first and last paragraphs of a section, and optionally the first and last sentences in a paragraph are read before one chooses to read the entire document in detail. Other examples of extraction that include key sequences of text in terms of clinical relevance (including patient/problem, intervention, and outcome). === Abstractive-based summarization === Abstractive summarization methods generate new text that did not exist in the original text. This has been applied mainly for text. Abstractive methods build an internal semantic representation of the original content (often called a language model), and then use this representation to create a summary that is closer to what a human might express. Abstraction may transform the extracted content by paraphrasing sections of the source document, to condense a text more strongly than extraction. Such transformation, however, is computationally much more challenging than extraction, involving both natural language processing and often a deep understanding of the domain of the original text in cases where the original document relates to a special field of knowledge. "Paraphrasing" is even more difficult to apply to images and videos, which is why most summarization systems are extractive. === Aided summarization === Approaches aimed at higher summarization quality rely on combined software and human effort. In Machine Aided Human Summarization, extractive techniques highlight candidate passages for inclusion (to which the human adds or removes text). In Human Aided Machine Summarization, a human post-processes software output, in the same way that one edits the output of automatic translation by Google Translate. == Applications and systems for summarization == There are broadly two types of extractive summarization tasks depending on what the summarization program focuses on. The first is generic summarization, which focuses on obtaining a generic summary or abstract of the collection (whether documents, or sets of images, or videos, news stories etc.). The second is query relevant summarization, sometimes called query-based summarization, which summarizes objects specific to a query. Summarization systems are able to create both query relevant text summaries and generic machine-generated summaries depending on what the user needs. An example of a summarization problem is document summarization, which attempts to automatically produce an abstract from a given document. Sometimes one might be interested in generating a summary from a single source document, while others can use multiple source documents (for example, a cluster of articles on the same topic). This problem is called multi-document summarization. A related application is summarizing news articles. Imagine a system, which automatically pulls together news articles on a given topic (from the web), and concisely represents the latest news as a summary. Image collection summarization is another application example of automatic summarization. It consists in selecting a representative set of images from a larger set of images. A summary in this context is useful to show the most representative images of results in an image collection exploration system. Video summarization is a related domain, where the system automatically creates a trailer of a long video. This also has applications in consumer or personal videos, where one might want to skip the boring or repetitive actions. Similarly, in surveillance videos, one would want to extract important and suspicious activity, while ignoring all the boring and redundant frames captured. At a very high level, summarization algorithms try to find subsets of objects (like set of sentences, or a set of images), which cover information of the entire set. This is also called the core-set. These algorithms model notions like diversity, coverage, information and representativeness of the summary. Query based summarization techniques, additionally model for relevance of the summary with the query. Some techniques and algorithms which naturally model summarization problems are TextRank and PageRank, Submodular set function, Determinantal point process, maximal marginal relevance (MMR) etc. === Keyphrase extraction === The task is the following. You are given a piece of text, such as a journal article, and you must produce a list of keywords or key[phrase]s that capture the primary topics discussed in the text. In the case of research articles, many authors provide manually assigned keywords, but most text lacks pre-existing keyphrases. For example, news articles rarely have keyphrases attached, but it would be useful to be able to automatically do so for a number of applications discussed below. Consider the example text from a news article: "The Army Corps of Engineers, rushing to meet President Bush's promise to protect New Orleans by the start of the 2006 hurricane season, installed defective flood-control pumps last year despite warnings from its own expert that the equipment would fail during a storm, according to documents obtained by The Associated Press". A keyphrase extractor might select "Army Corps of Engineers", "President Bush", "New Orleans", and "defective flood-control pumps" as keyphrases. These are pulled directly from the text. In contrast, an abstractive keyphrase system would somehow internalize the content and generate keyphrases that do not appear in the text, but more closely resemble what a human might produce, such as "political negligence" or "inadequate protection from floods". Abstraction requires a deep understanding of the text, which makes it difficult for a computer system. Keyphrases have many applications. They can enable document browsing by providing a short summary, improve information retrieval (if documents have keyphrases assigned, a user could search by keyphrase to produce more reliable hits than a full-text search), and be employed in generating index entries for a large text corpus. Depending on the different literature and the definition of key terms, words or phrases, keyword extraction is a highly related theme. ==== Supervised learning approaches ==== Beginning with the work of Turney, many researchers have approached keyphrase extraction as a supervised machine learning problem. Given a document, we construct an example for each unigram, bigram, and trigram found in the text (though other text units are also possible, as discussed below). We then compute various features describing each example (e.g., does the phrase begin with an upper-case letter?). We assume there are known keyphrases available for a set of training documents. Using the known keyphrases, we can assign positive or negative labels to the examples. Then we learn a classifier that can discriminate between positive and negative examples as a function of the features. Some classifiers make a binary classification for a test example, while others assign a probability of being a keyphrase. For ins