Zamzar is an online file converter and compressor, created by brothers Mike and Chris Whyley in England in 2006. It allows users to convert files online, without downloading a software tool, and supports over 1,200 different conversion types. Since its formation, the service has converted over 510 million files for users from 245 different countries. The service supports the conversion of documents, images, audio, video, e-Books, CAD files and compressed file formats. Users can type in a URL or upload one or more files (if they are all of the same format) from their computer; Zamzar will then convert the file(s) to another user-specified format, such as an Adobe PDF file to a Microsoft Word document. Once conversion is complete, users can immediately download the file from their web browser. Users can also choose to receive an email with a link to download the converted file. In February 2021 Zamzar expanded their tool and announced a new file compression service. The compressor is visually similar to the conversion tool with a drag and drop download feature. As with the converter, users have the option to subscribe for a paid plan if they wish to compress multiple or larger files than the free service permits == File conversion API == in 2015 Zamzar launched a file conversion API, allowing users to integrate file conversion capabilities into their own websites and applications. Sample code is provided to allow users to integrate file conversion capabilities in C#, Java, Node.js, PHP, Python and cURL. Zamzar also maintains a project on GitHub which allows users to perform file conversion from the command line on Linux, MacOS or Windows systems. == Email file conversion == It is also possible to send files for conversion by emailing them to Zamzar. Zamzar launched this capability in 2012, allowing users to email files to dedicated email addresses for the file to be automatically converted to a different format. A link is then emailed back to the end user to allow them to download their converted file. == User privilege levels == Zamzar is currently free to use, but there is a limit of two conversions per hour for files up to 100MB. Users can pay a monthly subscription in order to access preferential features, such as unlimited file conversions, online file management, shorter response and queuing times and other benefits. == Name == Its name comes from Franz Kafka's The Metamorphosis. Its main character is called Gregor Samsa and it is from his surname that Zamzar is derived. The founders of the service considered three other names – Konvertieren, Khamailen and Obrogo – before settling on Zamzar.
Timeline of artificial intelligence risks in global finance
The following article is a broad timeline of the course of events related to artificial intelligence risks in global finance. The AI boom has led to concerns including the existential risk from artificial intelligence, as the uptake on applications of artificial intelligence increases. By late 2025, global finance and artificial intelligence were "deeply intertwined". A June 2025 Menlo Ventures report raised concerns about the sustainability of future revenue and long-term profitability of AI, given the relatively low rate of consumer monetization. == 2017 == 30 NovemberThe New York Times said that new AI reports by McKinsey & Company, the National Bureau of Economic Research, and an AI Index created by university researchers, indicated an early AI boom. The Index built on a project—"The One Hundred Year Study on Artificial Intelligence" launched in 2014. == 2018 == 2018 was a year of incremental AI growth in finance. == 2022 == The release of ChatGPT by OpenAI became the catalyst for an artificial intelligence boom that continues to remake the global economy. According to a European Central Bank report, public interest in AI increased rapidly as evidenced with rising Google searches, AI jobs, models, patents, and innovations since late 2022. At that time Europe led the US in the size of its AI workforce. == 2023 == The regulatory body, the International Monetary Fund (IMF), published their report, "Generative Artificial Intelligence in Finance: Risk Considerations", drawing attention to oversight gaps and the need for regulations. The report explores the risks posed by using generative artificial intelligence (GenAI) systems in the financial sector including "broader risks to financial stability." == 2024 == January 12 In January 2024 Bloomberg's published its list of the "Magnificent Seven" Big Tech companies on the stock market based on their strength, size and market capitalization:Apple, Microsoft, Alphabet (Google), Amazon, Meta Platforms (Facebook), Nvidia, and Tesla. 21 June During the AI boom, Nvidia became the world's most valuable company, surpassing Microsoft, as its value increased to over US$4 trillion. In 2023 and 2024, the "Magnificent Seven" stocks were the primary drivers behind the increase in equity indexes, according to Reuters. == 2025 == === January === 23 January President Donald Trump's AI policy was announced calling for United States global leadership in artificial intelligence. The Economist noted that this politic shift in which the United States seeks "global dominance" in AI includes trimming regulations and assisting in expansion of infrastructure and increase in number of AI workers. Governments of Gulf nations were also investing trillions of dollars in AI. 27 January Against the backdrop of a tech war between China and the United States over AI dominance, within days of the launch of China's free DeepSeek App, it was the most downloaded app in the United States, rising to the first place in the Apple app store. President Trump responded immediately, saying this "sudden rise" should be a "wake-up" call to the United States, and called on US companies to be more competitive. === June === 26 June In their June 2025 report, Menlo Ventures estimated that only about 3% of consumers paid for artificial intelligence-related services, representing about $USD12 billion in annual spending. This is relatively low in contrast to the massive capital expenditure by AI infrastructure companies, which raises concerns about revenue sustainability and long-term profitability. === July === 23 July The Trump administration launched the US AI Action Plan, positioning the United States in a high-stakes technological race with China for global dominance in artificial intelligence, emphasizing that neither nation can afford to fall behind due to the exponential nature of AI advancement. The plan, a new government website and policy speech called for accelerated AI adoption across federal agencies, and a number of initiatives to make is easier for AI infrastructure expansion, and other measures to ensure American leadership in AI standards. Some leading experts warned that the administration failed to provide sufficient regulations and safeguards for AI safety. Concerns were raised about the negative impacts of cuts to research funding and tightened visa policies for scientists, potentially undermining public trust and America's ability to compete internationally. === September === 7 September The Economist cautioned that AI revenues are relatively modest compared to the high cost and investments in the creation of new data centers. Even Sam Altman, OpenAI CEO and one of the leading figures of the AI boom,, raised concerns about investors' outsized hopes for financial returns. At the same time, history has shown that new technologies, like railways and electricity, endured and spread after the initial hype faded. 12 September Economists warn that U.S. households' direct and indirect investments—mutual funds or retirement plans—in the stock market reached an unprecedented historically high level, now representing 45% of all financial assets, or about $USD51.2 trillion. Compared to the Dot-com bubble this represents a sharp increase in exposure. This makes U.S. households vulnerable to market downturns which in turn would result in decreasing consumer spending. U.S. household net worth rose to a record $176.3 trillion in the second quarter, an increase of $7.3 trillion since early 2025 and about $46 trillion higher than before the pandemic. Federal Reserve data attribute the surge primarily to gains in stock markets and housing values. However, the rise in wealth on paper coincided with increased household borrowing and growing government debt. 18 September Questions were being raised about how quickly the data centers, chips, servers, and GPUs assets of major AI companies will depreciate in value. Comparisons have been made to the Railway Mania in the aftermath of the stock market bubble where a valuable physical infrastructure remained standing, and the telecoms crash after the dot-com bubble which left fiber networks. 28 September There were warnings that record-high American stock ownership during the AI-fueled market boom is a red flag for systemic risk, as the current concentration in equities exceeds levels seen before the dot-com bubble burst in 2000, and could amplify the impact of any future stock market correction. === October === 3 October In 2025 alone, venture capitalists invested almost $USD200 billion in the artificial intelligence sector. 29 October Nvidia was the first company in the world to be valued at US$5 trillion, largely due to AI demand and strategic partnerships with leading technology and AI firms. Nvidia's increase in value was "meteoric". === November === 2 November Forbes reported that, since April, the 'Magnificent Seven' tech giants together contributed over 40% of the S&P 500's return, highlighting their outsized influence and the growing impact of AI on market valuations. CNN warned that while there is a current benefit to investors, with such a high concentration in the S&P 500, they are highly exposed to the fate of the Mag Seven. 2 November Globally there are 11,000 datacentres—huge campuses for AI infrastructure, including thousands of chips, GPUS, and servers. This represents a 500% increase over the last two decades. It is anticipated that $3USDtn more will be spent on increasing that number over the next two or three years. 5 November Concerns about the potential for a market bubble were raised as six of the AI-related Big Tech "Magnificent Seven"—that contribute to the AI boom—reported losing ground in the stock market. Global markets and artificial intelligence have become "deeply intertwined", according to a Reuters report. As of November 2025, more than 50% of the 20 largest S&P firms were deeply exposed to AI. In contrast, in 2000, the 20 S&P 500 firms represented 39% of its total value only 11 of these companies were exposed to the internet. If AI fails to deliver strong returns on their investments, these top S&P firms would be significantly impacted, according to the Economist. Analysts suggest that the AI market in 2025 may not behave like a traditional one, as investors are simultaneously aware of the risks and driven by the potential for outsized rewards. Leading AI labs may believe that the first company to achieve artificial general intelligence (AGI), when an AI system surpasses all human cognitive abilities and becomes capable of self-improvement—could dominate the future of technology and finance. While some have estimated that the potential value of such a breakthrough could be as high as $1.46 quadrillion, this figure is speculative and widely debated. 5 November Bloomberg described Nvidia's H100 Hopper-Blackwell AI chips as the "King of AI chips". Nvidia dominates the AI chip market with over 78% of the market share because of both speed and cost. According to B
CU-RTC-WEB
Customizable, Ubiquitous Real Time Communication over the Web is an API definition being drafted by Bernard Aboba at Microsoft. It is a competing standard to WebRTC, which drafted by a World Wide Web Consortium working group since May 2011. As of 2024, CU-RTC-WEB is still in the drafting phase, with ongoing discussions and contributions from various stakeholders in the tech community. Bernard Aboba, who serves as a co-chair of the W3C WebRTC Working Group, is actively involved in both CU-RTC-WEB and WebRTC, indicating a commitment to advancing real-time communication standards across platforms.
Directed-energy weapon wildfire conspiracy theories
The directed-energy weapon wildfire conspiracy theories are claims circulating on social media and in fringe commentary that 2020s wildfires in places such as California, Hawaii and Texas were started or steered by directed-energy weapons or other lasers or directed-energy systems rather than by the documented ignition sources identified by investigators. Fact-checking organisations and newsrooms have repeatedly shown that widely shared images and clips said to depict “beams from the sky” are unrelated, miscaptioned or fabricated, and that official inquiries point to causes such as damaged or re-energised power lines, vegetation and extreme wind conditions. Coverage of the January 2025 Los Angeles fires described a resurgence of familiar hoaxes while local and federal agencies coordinated public rebuttals. == Background == Rumours linking directed-energy weapons to wildfire outbreaks appeared during earlier disaster seasons, then re-emerged at scale during the 2018 Camp Fire and again with the 2023 Maui wildfires and the 2025 Los Angeles fires. Journalists documented how large disasters reliably attract miscaptioned imagery and speculative narratives that portray official explanations as cover stories, while researchers and emergency managers noted that such claims tend to flourish during the information vacuum that accompanies fast-moving events. == Narratives and debunks == Recurring claims include assertions that videos show lasers igniting neighbourhoods, that “green” or “blue” items or roofs were spared because lasers cannot burn those colours, that trees remaining upright indicate precision targeting of houses, and that beams recorded over Hawaii or Texas came from secret platforms. Investigations show that a purported laser-strike video was actually an explosion at a Russian gas station recorded years earlier, that a photograph said to capture an “attack” was an Ohio gas flare from 2018, and that a separate video of green lights over Hawaii was captured months before the Maui fires by an astronomical camera and is unrelated. Fact-checks addressing colour myths have further explained that images of intact blue roofs were either misinterpreted or in at least one widely shared instance artificially generated, and that laser interaction with materials is not governed by such simplistic rules. == Investigations and identified causes == Authorities who examined specific incidents have published findings that contradict DEW narratives. A multi-agency investigation into the Maui disaster concluded that downed and later re-energised lines ignited an initial morning fire that re-kindled under extreme winds in the afternoon, with reports detailing the timeline and infrastructure context; summaries by national outlets echoed those conclusions. Investigators of the February 2024 Smokehouse Creek Fire in the Texas Panhandle reported that power lines ignited both the state’s largest wildfire and another major blaze, and the regional utility acknowledged its facilities appeared to have been involved; subsequent media coverage outlined the findings and regulatory follow-up. For the 2018 Camp Fire in Northern California, public reports from Butte County and subsequent proceedings identified PG&E transmission equipment as the source of ignition, with documentation of maintenance issues on the Caribou–Palermo line preceding the event. == Platform and agency responses == As major fires burned in and around Los Angeles in January 2025, officials from city agencies and national partners pursued a coordinated strategy to counter falsehoods by issuing timely updates, flagging fake imagery and directing residents to verified resources. Reporters described how federal emergency managers and local departments used social channels and briefings to rebut specific rumours, including claims about lasers and targeted ignition, and to clarify that early imagery often misleads during fast-moving disasters.
Contact cleaner
Contact cleaner, also known as switch-cleaner, is any of various chemicals, or mixtures of chemicals, intended to remove or prevent the build-up of oxides or other unwanted substances on the conductive surfaces of connectors, switches, and other electronic components with moving surface-contacts, and thus reduce the contact resistance encountered. The use of contact cleaner can help to minimize the wetting current across a pair of contacts. An example of a simple contact cleaner is isopropyl alcohol Some contact cleaners are designed to evaporate completely and rapidly, leaving no residue. Others may contain lubricants. Lubricants themselves should not necessarily be used as contact cleaners, especially if they are designed to leave an unsuitable residue. However, appropriate lubricants may work well as contact cleaners.
AirPair
AirPair is a service and eponymous company that connects people who need help with programming issues (usually, programmers at small technology companies or at finance companies that use technology products) and people who can help them. Unlike services such as oDesk and Elance, AirPair is not a service for outsourcing programming tasks, but rather a service that facilitates one-off knowledge transfers from people with highly specialized knowledge of particular technology stacks or programming issues to people who are in need of specialized help. == History == AirPair launched in March 2013, with founder Jonathon Kresner, who hails from Australia, working full-time, and it soon hired three other part-time developers to work alongside him. Kresner had previously founded two other startups: Preparty, a social invitation and event-booking service based in Australia, and ClimbFind, an online rock-climbing community that reached a million users. Kresner was inspired to work on AirPair because he saw the need for outside expert assistance with programming issues arise regularly at these startups. In November 2013, founder Kresner describes the company's initial success at bootstrapping itself to "Ramen profitability" in a blog post. In December 2013, AirPair was accepted into the Winter 2014 Y Combinator batch. In March 2014, AirPair announced it would launch partnerships with Stripe, Twilio, and other companies that had their own application programming interfaces, allowing developers having trouble with the APIs to seek help over AirPair from experts on the APIs. AirPair presented at the Y Combinator Winter 2014 Demo Day on March 25, 2014, and successfully raised over $1 million within the next 48 hours. == Reception == A review of AirPair by Will Lam stressed that because payment was based on time rather than results, it was important to use it for clearly thought-out questions where one had high confidence that the session would help. Dennis Beatty, who met AirPair founder Jonathon Kresner in March 2014, wrote in April 2014 a glowing review of AirPair's vision of connecting people and its business success. AirPair has been compared with other peer-to-peer coding help sites such as Codementor and HackHands.
Festival of International Virtual & Augmented Reality Stories
Festival of International Virtual & Augmented Reality Stories (FIVARS) is a Canadian media festival for story-driven works using extended reality (XR) and immersive media, including virtual reality, augmented reality, WebXR, live VR performance, projection mapping and spatialized audio. Founded in Toronto in 2015, it has been described as Canada's first dedicated virtual and augmented reality stories festival, the first Canadian festival of its kind, and Canada's original festival dedicated to immersive storytelling. FIVARS has described itself as "the original and longest-running festival wholly dedicated to Virtual and Augmented Reality Stories", while third-party XR coverage has called it one of the longest-running events dedicated to immersive content. FIVARS is produced by Constant Change Media Group, Inc., with its partner event VRTO. == History == FIVARS began in 2015, with preview screenings at the Camp Wavelength music festival on Toronto Island and an inaugural festival held in Toronto in September 2015. Contemporary coverage described the first edition as a virtual reality film festival held at UG3 Live in Toronto. The festival continued with a second edition in 2016. L'Express described the 2016 festival as presenting Canadian and international interactive works in virtual and augmented reality narrative forms. FIVARS's 2016 festival was also listed in a York University Future Cinema course page as a public event students could attend. In 2017, the third annual FIVARS festival was held at the House of VR in Toronto. In 2018, the festival was held at the Matador Ballroom, which NOW Magazine reported was reopening for FIVARS from September 14 to 16. The festival's own history states that the 2018 edition included 36 works from 12 countries and that Stephanie Greenall took over as co-producer that year. In 2019, FIVARS moved to the Toronto Media Arts Centre for its fifth anniversary and listed official selections in passive and interactive immersive-experience categories. The festival also held talks and panels at the Toronto Media Arts Centre. During the COVID-19 pandemic, FIVARS moved part of its programming online. In 2020, Voices of VR reported that Malicki-Sanchez and WebXR developer James Baicoianu used JanusXR code to create a platform for presenting 360-degree video through the web. The festival's history states that its 2020 online festival included 39 selections from 16 countries and was produced by Malicki-Sanchez and Greenall. In 2021, FIVARS introduced a dual-event structure with FIVARS in FEB and FIVARS in FALL. The fall 2021 edition used a hybrid format, with an in-person component in West Hollywood from October 15 to 17 and an online WebXR component from October 22 to November 2. In 2022, FIVARS held hybrid programming with pop-up viewing locations in Los Angeles and Toronto. The fall 2022 edition was listed by blogTO as the festival's tenth edition, with an in-person component at Stackt - an outdoor arts park built from shipping containers in Toronto and online programming. The 2023 festival was presented as a hybrid exhibition of 65 immersive stories, with an in-person Toronto component and an online component. The FIVARS Online Festival was later listed among the Innovator of the Year nominees for the 2024 Poly Awards. FIVARS stated that the nominees for that recognition were producer and designer Keram Malicki-Sanchez and developer James Baicoianu. The 2024 edition was listed as FIVARS 2024 (Toronto + Online), with an in-person Toronto event from October 3 to 8 and an online component beginning October 10. The festival also published a 2024 official selections list covering virtual reality, augmented reality, spherical video, spatial web and related immersive formats. In 2025, FIVARS and VRTO were held together at OCAD University. The 2026 edition is scheduled for June 15 to 19, 2026, at OCAD University in Toronto, with OCAD University as presenting sponsor and first-time venue host. FIVARS has featured official selections from more than forty countries across six continents. == Organization == FIVARS was founded in 2015 by Keram Malicki-Sánchez. Joseph Ellsworth was the festival's original technical director and helped operate FIVARS during its early years. Malicki-Sánchez remains executive director and festival director. Jessy Blaze joined Malicki-Sánchez as co-producer in 2016 and served until Stephanie Greenall took over the role in 2018. Greenall served as co-producer and associate producer from 2018 to 2022. Aimee Reynolds took over from Greenall in 2022 and has served as associate producer of FIVARS and VRTO since 2022. == Immersive Media Awards == FIVARS presents People's Choice awards for interactive works and immersive video or passive immersive works. Juried award categories have included the Grand Jury Prize, Impact Award, Technical Achievement, Excellence in Experience Design, Excellence in Visual Design, Excellence in Sound Design, and Outstanding Performance. === 2015 === On Monday, September 21, the festival announced People's Choice awards for two categories at the Cadillac Lounge, a music venue and restaurant in Toronto. People's Choice Best Interactive Experience: Apollo 11 Best Immersive Video: SONAR === 2016 === People's Choice Best Interactive Experience: Pearl (Patrick Osborne) Best Immersive Video: Help (Justin Lin) Juried Grand Jury Award: Real (Connor Hair and Alex Meader) === 2017 === People's Choice Best Interactive: Alteration Best Immersive (Passive): Guardian of the Guge Kingdom Juried Impact Award: Priya's Shakti / Priya's Mirror (Dan Goldman) Grand Jury Prize: Manifest 99 === 2018 === People's Choice Best Interactive: Museum of Symmetry (Paloma Dawkins) Best Immersive (Passive): Going Home (David Beier) Juried Impact Award: The Hidden (Annie Lukowski, BJ Schwartz) Grand Jury Prize: Battlescar (Nico Casavecchia, Martin Allais) === 2019 === People's Choice Best Interactive: After Dan Graham (David Han/Friend Generator) Best Immersive (Passive): 2nd Step (Joerg Courtial) Juried Technical Achievement: tx-reverse Excellence in Experience Design: Battlescar (Nico Casavecchia, Martin Allais) Excellence in Sound Design: Unheard (Zhechuan Zhang) Excellence in Visual Design: Ex Anima (Pierre Zandrowicz) Impact Award: State Power (Jeff Stanzler) Grand Jury Prize: The Industry (Mirka Duijn) === 2020 === People's Choice Best Interactive: Gravity VR (Fabito Rychter, Amir Admoni) Best Immersive (Passive): Warsaw Rising (Tomasz Dobosz) Juried Technical Achievement: The Cosmic Laughter of Cucci Binaca (Jonathan Sims) Excellence in Experience Design: Sleeping Eyes (Sojung Bahng, Sungeun Lee) Excellence in Sound Design: Symphony of Noise VR (Michaela Pnacekova) Excellence in Visual Design: Hominidae (Brian Andrews) Impact Award: Indirect Actions (Maranatha Hay) Grand Jury Prize: Minimum Mass (Raqi Syed, Areito Echevarria) === 2021 === FIVARS in FEB – People's Choice Best Interactive: CLAWS (created by Evan Neiden; directed by John Ertman) Best Immersive (Passive): Inside COVID 19 (Gary Yost, Adam Loften) FIVARS in FALL – People's Choice Best Interactive: Samsara (director: Hsin-Chien Huang) Best Immersive (Passive): The Invasion of Normandy Omaha Beach (director: Uli Futschik) Juried Technical Achievement: Dark Threads (director: Jonathon Corbiere) Excellence in Experience Design: Andy's World (director: Liquan Liu) Excellence in Sound Design: Symphony (director: Igor Cortadellas) Excellence in Visual Design: Mind VR Exploration (director: Deng Zuyun) Outstanding Performance: Lori Kovachevich, Lena's Journey (director: Wes Evans) Impact Award: Om Devi: Sheroes Revolution (director: Claudio Casale) Grand Jury Prize: Montegelato (director: Davide Rapp) === 2022 === FIVARS in FEB – People's Choice Best Interactive: Severance Theory: Welcome to Respite (Lyndsie Scoggin, United States) Best Immersive (Passive): Beescapes (Alan Nguyen, Australia) FIVARS in FALL – People's Choice Best Interactive: Namuanki (Kevin Mack, United States) Best Immersive (Passive): Reimagined Vol. 1: Nyssa (Julie Cavaliere, United States) Juried (Whole Year) Technical Achievement: Namuanki (Kevin Mack, United States) Excellence in Experience Design: Unframed: Hand Puppets, Paul Klee (Martin Charrière, Switzerland) Excellence in Visual Design: The Last Dance (Toshiaki Hanzaki, Japan) Excellence in Sound Design: Kingdom of Plants with David Attenborough (Iona McEwan, UK and USA) Outstanding Performance: Ari Tarr, OffRail (Ari Tarr, United States) Impact Award: Tearless (Gina Kim, South Korea) Grand Jury Prize: Klaxon. My dear sweet Friend (Nikita Shokhov, United States) === 2023 === People's Choice Best Interactive: PULSAR Best Immersive (Passive): Behind the Dish Juried Technical Achievement: VFC Excellence in Experience Design: Broken Spectre Excellence in Visual Design: Night Creatures Excellence in Sound Design: VFC Outstanding Performance: Origins Impact Award: LOU Grand Jury Prize: Stay Alive, My Son === 2024 ==