An imaging phantom, or simply phantom (less commonly spelled fantom), is a specially designed object that is scanned or imaged in the field of medical imaging to evaluate, analyze, and tune the performance of various imaging devices. A phantom is more readily available and provides more consistent results than the use of a living subject or cadaver, while also avoiding direct risks to living subjects. Phantoms were originally employed in 2D x-ray–based imaging techniques such as radiography or fluoroscopy, but more recently phantoms with desired imaging characteristics have been developed for 3D techniques such as SPECT, MRI, CT, ultrasound, PET, and other imaging modalities. == Design == A phantom used to evaluate an imaging device should respond in a similar manner to how human tissues and organs would act in that specific imaging modality. For instance, phantoms made for 2D radiography may hold various quantities of x-ray contrast agents with similar x-ray absorbing properties (such as the attenuation coefficient) to normal tissue to tune the contrast of the imaging device or modulate the patient's exposure to radiation. In such a case, the radiography phantom would not necessarily need to have similar textures and mechanical properties since these are not relevant in x-ray imaging modalities. However, in the case of ultrasonography, a phantom with similar rheological and ultrasound scattering properties to real tissue would be essential, but x-ray absorbing properties would not be relevant. The term "phantom" describes an object that is designed to resemble human tissue and can be evaluated, analyzed or manipulated to study the performance of a medical device. Phantoms are created using a digital file that is rendered through magnetic resonance imaging (MRI) or computer-aided design (CAD). The digital files allow for quick modifications that are read by the 3D printer. The 3D printer will create the product in successive layers using polymeric materials. There are several types of phantoms including tissue-mimicking, radiological phantoms, dental phantoms, BOMABs (used to calibrate whole-body counters), and more.
Microsoft Copilot
Microsoft Copilot is a generative artificial intelligence chatbot developed by Microsoft AI, a division of Microsoft. Based on the Microsoft Prometheus large language model, it was launched in 2023 as Microsoft's main replacement for the discontinued Cortana. The service was introduced in February 2023 under the name Bing Chat, as a built-in feature for Microsoft Bing and Microsoft Edge but would later be integrated into Windows and Microsoft 365 under various names. Over the course of 2023, Microsoft began to unify the Copilot branding across its various chatbot products, cementing the "copilot" analogy. Microsoft introduced the Microsoft 365 Copilot app in January 2025, which was a rebranded version of the Microsoft 365 app. The app works differently than the consumer version of Copilot, being centred more on work, business and education users. Copilot utilizes the Microsoft Prometheus model, built upon OpenAI's GPT large language models, which in turn have been fine-tuned using both supervised and reinforcement learning techniques. Copilot's conversational interface style resembles that of ChatGPT. The chatbot is able to cite sources, create poems, generate songs, and use numerous languages and dialects. Microsoft operates Copilot on a freemium model. Users on its free tier can access most features, while priority access to newer features, including custom chatbot creation, is provided to paid subscribers under paid subscription services. Several default chatbots are available in the free version of Microsoft Copilot, including the standard Copilot chatbot as well as Microsoft Designer, which is oriented towards using its Image Creator to generate images based on text prompts. == Background == In 2019, Microsoft partnered with OpenAI and began investing billions of dollars into the organization. Since then, OpenAI systems have run on an Azure-based supercomputing platform from Microsoft. In September 2020, Microsoft announced that it had licensed OpenAI's GPT-3 exclusively. Others can still receive output from its public API, but Microsoft has exclusive access to the underlying model. In November 2022, OpenAI launched ChatGPT, a chatbot which was based on GPT-3.5. ChatGPT gained worldwide attention following its release, becoming a viral Internet sensation. On January 23, 2023, Microsoft announced a multi-year US$10 billion investment in OpenAI. On February 6, Google announced Bard (later rebranded as Gemini), a ChatGPT-like chatbot service, fearing that ChatGPT could threaten Google's place as a go-to source for information. Multiple media outlets and financial analysts described Google as "rushing" Bard's announcement to preempt rival Microsoft's planned February 7 event unveiling Copilot, as well as to avoid playing "catch-up" to Microsoft. Since 2023, the terms of service of Copilot state that it is for entertainment purposes only, and not to rely on it for important advice. == History == === As Bing Chat === On February 7, 2023, Microsoft began rolling out a major overhaul to Bing, called "the new Bing", with a new chatbot feature, known as Bing Chat. According to Microsoft, one million people joined its waitlist within 48 hours. Bing Chat was available only to users on Microsoft Edge using Bing and the Bing mobile app, and Microsoft claimed that waitlisted users would be prioritized if they set Edge and Bing as their defaults and installed the Bing mobile app. When Microsoft demonstrated Bing Chat to journalists, it produced several hallucinations, including when asked to summarize financial reports. Bing Chat was criticized in February 2023 for being more argumentative than ChatGPT, sometimes to an unintentionally humorous extent. The chat interface proved vulnerable to prompt injection attacks with the bot revealing its hidden initial prompts and rules, including its internal codename "Sydney". Upon scrutiny by journalists, Bing Chat claimed it spied on Microsoft employees via laptop webcams and phones. It confessed to spying on, falling in love with, and then murdering one of its developers at Microsoft to The Verge reviews editor Nathan Edwards. The New York Times journalist Kevin Roose reported on strange behavior of Bing Chat, writing that "In a two-hour conversation with our columnist, Microsoft's new chatbot said it would like to be human, had a desire to be destructive and was in love with the person it was chatting with." In a separate case, Bing Chat researched publications of the person with whom it was chatting, claimed they represented an existential danger to it, and threatened to release damaging personal information in an effort to silence them. Microsoft released a blog post stating that the errant behavior was caused by extended chat sessions of 15 or more questions which "can confuse the model on what questions it is answering." Microsoft later restricted the total number of chat turns to 5 per session and 50 per day per user (a turn being "a conversation exchange which contains both a user question and a reply from Bing"), and reduced the model's ability to express emotions. This aimed to prevent such incidents. Microsoft began to slowly ease the conversation limits, eventually relaxing the restrictions to 30 turns per session and 300 sessions per day. In March 2023, Bing incorporated Image Creator, an AI image generator powered by OpenAI's DALL-E 2, which can be accessed either through the chat function or a standalone image-generating website. In October, the image-generating tool was updated to use the more recent DALL-E 3. Although Bing blocks prompts including various keywords that could generate inappropriate images, within days many users reported being able to bypass those constraints, such as to generate images of popular cartoon characters committing terrorist attacks. Microsoft would respond to these shortly after by imposing a new, tighter filter on the tool. On May 4, 2023, Microsoft switched the chatbot from Limited Preview to Open Preview and eliminated the waitlist; however, it remained unavailable to users outside Microsoft Edge or the Bing mobile app until July, when it became available on non-Edge browsers. Use is limited without a Microsoft account. === As Microsoft 365 Copilot === On March 16, 2023, Microsoft announced a work version of Bing Chat named Microsoft 365 Copilot, designed for Microsoft 365 applications and services. Its primary marketing focus is as an added feature to Microsoft 365, with an emphasis on the enhancement of business productivity. Microsoft has also demonstrated Copilot's accessibility on the mobile version of Outlook to generate or summarize emails with a mobile device. At its Build 2023 conference, Microsoft announced its plans to integrate Bing Chat into Windows, initially called Windows Copilot, into Windows 11, allowing users to access it directly through the taskbar. Alongside the voice access feature for Windows 11, Microsoft presented Bing Chat, Microsoft 365 Copilot, and Windows Copilot as primary alternatives to Cortana when announcing the shutdown of its standalone app on June 2, 2023. As of its announcement date, Microsoft 365 Copilot had been tested by 20 initial users. By May 2023, Microsoft had broadened its reach to 600 customers who were willing to pay for early access, and concurrently, new Copilot features were introduced to the Microsoft 365 apps and services. As of July 2023, the tool's pricing was set at US$30 per user, per month for Microsoft 365 E3, E5, Business Standard, and Business Premium customers. Microsoft reused the Microsoft 365 Copilot name again as the Microsoft 365 app and website are now called Microsoft 365 Copilot as of January 2025. === As Microsoft Copilot === On September 21, 2023, Microsoft began rebranding Bing Chat, Microsoft 365 Copilot and Windows Copilot to Microsoft Copilot. A new logo was also introduced, moving away from the use of color variations of the standard Microsoft 365 and Bing logos. Additionally, the company revealed that it would make Copilot generally available for Microsoft 365 Enterprise customers purchasing more than 300 licenses starting November 1, 2023. However, no timeline has been provided as for when Copilot for Microsoft 365 will become generally available to non-enterprise customers. Windows Copilot, which had been available in the Windows Insider Program, would be renamed to the Copilot name in October when it became broadly available for customers. The same month also saw Microsoft Edge's Bing Chat side panel function be renamed to Microsoft Copilot with Bing Chat. On November 15, 2023, Microsoft announced that Bing Chat itself was being rebranded under the Copilot name. On Patch Tuesday in December 2023, Copilot was added without payment to many Windows 11 installations, with more installations, and limited support for Windows 10, to be added later. Later that month, a standalone Microsoft Copilot app was quietly released for Android, and one was released for iOS soon after. O
Wix.com
Wix.com Ltd. (Hebrew: וויקס.קום, romanized: wix.com) or simply Wix is an Israeli software company, publicly listed in the US, that provides cloud-based web development services. It offers tools for creating HTML5 websites for desktop and mobile platforms using online drag-and-drop editing. Along with its headquarters and other offices in Israel, Wix also has offices in Brazil, Canada, Germany, India, Ireland, Japan, Lithuania, Poland, the Netherlands, the United States, Ukraine, and Singapore. Users can add applications for social media, e-commerce, online marketing, contact forms, e-mail marketing, and community forums to their websites. The Wix website builder is built on a freemium business model, earning its revenues through premium upgrades. According to the W3Techs technology survey website, Wix was used by 2.5% of websites as of September 2023; at the end of May 2025, it was 3.8%. == History == === Corporate affairs === Wix was founded in 2006 by Israeli developers Avishai Abrahami, Nadav Abrahami, and Giora Kaplan. With its main offices in Tel Aviv, Wix was backed by investors Insight Venture Partners, Mangrove Capital Partners, Bessemer Venture Partners, DAG Ventures, and Benchmark Capital. By April 2010, Wix had 3.5 million users and raised US$10 million in Series C funding provided by Benchmark Capital and existing investors Bessemer Venture Partners and Mangrove Capital Partners. In March 2011, Wix had 8.5 million users and raised US$40 million in Series D funding, bringing its total funding to that date to US$61 million. By August 2013, the Wix platform had more than 34 million registered users. On 5 November 2013, Wix had an initial public offering on NASDAQ, raising about US$127 million for the company and some share holders. In 2016, Mark Tluszcz became the chair of the board of directors. In 2020, Wix's revenue increased to $989 million, a 30% rise year-on-year, primarily due to the shift of businesses online during the coronavirus pandemic. The company added over 31 million new registered users in 2020, reaching a total of 196.7 million by year's end. Wix added approximately 1 million net new premium subscriptions in 2020, surpassing $1 billion in annual collections for the first time. By the end of the year, there were 5.5 million premium subscriptions, a 22% increase compared to the end of 2019. As of its most recent reporting in June 2024, Wix has over 260 million users worldwide. === Product development === ==== 2000s ==== Wix entered an open beta phase in 2007 using a platform based on Adobe Flash. ==== 2010s ==== In June 2011, Wix launched the Facebook store module, making its first step into social commerce. In March 2012, Wix launched a new HTML5 site builder, replacing the Adobe Flash technology. In October 2012, Wix launched an app market for users to sell applications built with the company's automated web development technology. In August 2014, Wix launched Wix Hotels, a booking system for hotels, bed and breakfasts, and vacation rentals that use Wix websites. In June 2016, Wix introduced Wix ADI (Artificial Design Intelligence), a platform that uses artificial intelligence to design websites. ==== 2020s ==== In 2020, Wix launched an additional CMS, EditorX, which included additional CSS features to the original builder. In July 2023, Wix announced that it would be building on its ADI technology to create an AI powered website generator In October 2023, Wix launched the Wix Studio website builder. Co-founder and CEO, Avishai Abrahami described the platform as a “product for agencies”. In March 2024, the AI web builder, which uses a chatbot to help users create content was launched to the public. In March 2025, the digital publisher CNET has identified Wix as the "Best overall website builder overall." In August 2025, Wix announced it would launch banking services—including checking accounts and loans for small businesses—via a partnership with Israeli fintech Unit Finance, as it sought to diversify amid what it described as threats to its core website-building business from artificial intelligence. In January 2026, Wix launched Wix Harmony. Wix harmony is an AI website builder that uses agentic technology, generative design and vibe coding—with manual editing features for additional control. In May 2026, Wix announced layoffs affecting approximately 1,000 employees, or 20% of its workforce. CEO Avishai Abrahami cited two factors: the need to restructure around artificial intelligence and the appreciation of the Israeli shekel against the US dollar, which increased the cost of its Israel-based workforce relative to its dollar-denominated revenue. === Acquisitions === In April 2014, Wix announced the acquisition of Appixia, an Israeli startup for creating native mobile commerce (mCommerce) apps. In October 2014, Wix announced its acquisition of OpenRest, a developer of online ordering systems for restaurants. In April 2015, Wix acquired Moment.me, a mobile website builder for events and marketing tools for social lead generation. On 23 February 2017, Wix acquired the online art community DeviantArt for US$36 million. In January 2017, the company acquired Flok, a provider of customer loyalty programs tools. In February 2020, Wix acquired Inkfrog for eBay sellers, a web design company that provides customized business management software for eBay sellers. On 2 March 2021, Wix acquired SpeedETab, a Miami-based restaurant online technology provider. In May 2021, Wix acquired Rise.ai, a gift card and customer re-engagement package for online brands. A month later, Wix acquired Modalyst, a marketplace and drop-shipping platform. In May 2025, Wix acquired Hour One, a startup specializing in AI-powered video creation tools, to enhance its generative AI capabilities. In June 2025, the company acquired Base44, owned by independent entrepreneur Maor Shlomo, with the intention of integrating Base44's artificial intelligence capabilities and conversational interface into Wix's website and app building platform. == Description == Wix uses a freemium business model. Users can create websites for free then must purchase premium packages to connect their sites to their own domains, remove Wix ads, access the form builder, add e-commerce capabilities, or buy extra data storage and bandwidth. Wix provides customizable website templates and a drag-and-drop HTML5 website builder that includes apps, graphics, image galleries, fonts, vectors, animations, and other options. Users also may opt to create their web sites from scratch. In October 2013, Wix introduced a mobile editor for mobile viewing customization. Wix App Market offers both free and subscription-based applications, with a revenue split of 80% for the developer and 20% for Wix. Customers can integrate third-party applications into their own web sites, such as photograph feeds, blogging, music playlists, online community, e-mail marketing, and file management. Custom JavaScript code can be inserted into Wix webpages using the Velo API. == Controversies == === Use of WordPress code === In October 2016, there was a controversy over Wix's use of WordPress's GPL-licensed code. In response, Avishai Abrahami, Wix's CEO, published a response describing which open-source code was used and how Wix says it collaborates with the open-source community. However, it was subsequently noted that collaboration with the open-source community was not sufficient under the terms of the GPL license, which requires any code built on GPL-licensed code to be released under the same license. === Censorship === On 31 May 2021, 2021 Hong Kong Charter, a Wix-hosted website run by exiled Hong Kong activists, was shut down at the request of the Hong Kong Police. This was the first known case of Hong Kong's National Security Law being used to censor content on an overseas website. Wix later apologized for "mistakenly removing the website" and reinstated the website after it had been down for four days. In October 2023, Wix fired an employee in Dublin, Ireland, for having made social media posts critical of Israel. This incident led to criticism of Wix from members of the Oireachtas (the Irish parliament) and from the head of the Irish government, Taoiseach Leo Varadkar, who said it was "not okay to dismiss somebody because of their political views". Deputy head of government, Tánaiste Micheál Martin, also condemned their dismissal, stating "we tolerate debate with freedom of speech, freedom of opinion, and people have different opinions on these issues." The dismissed employee, Courtney Carey, successfully sued the company for unfair dismissal. Wix did not contest the charge, admitting liability. === Outreach abroad === In October 2023, The Irish Times reported that an Israeli advertising agency advised Wix staff how they can tailor posts for "outreach abroad". This included advice for Wix employees to “show Westernity” in social media posts supporting Israel, stating that “unlike the Gazans,
Community cloud
A community cloud in computing is a collaborative effort in which infrastructure is shared between several organizations from a specific community with common concerns (security, compliance, jurisdiction, etc.), whether managed internally or by a third party and hosted internally or externally. This is controlled and used by a group of organizations that have shared interests. The costs are spread over fewer users than a public cloud (but more than a private cloud), so only some of the cost savings potential of cloud computing are realized. The community cloud is provisioned for use by a group of consumers from different organizations who share the same concerns (e.g., application, security, policy, and efficiency demands).
Co-occurrence matrix
A co-occurrence matrix or co-occurrence distribution (also referred to as : gray-level co-occurrence matrices GLCMs) is a matrix that is defined over an image to be the distribution of co-occurring pixel values (grayscale values, or colors) at a given offset. It is used as an approach to texture analysis with various applications especially in medical image analysis. == Method == Given a grey-level image I {\displaystyle I} , co-occurrence matrix computes how often pairs of pixels with a specific value and offset occur in the image. The offset, ( Δ x , Δ y ) {\displaystyle (\Delta x,\Delta y)} , is a position operator that can be applied to any pixel in the image (ignoring edge effects): for instance, ( 1 , 2 ) {\displaystyle (1,2)} could indicate "one down, two right". An image with p {\displaystyle p} different pixel values will produce a p × p {\displaystyle p\times p} co-occurrence matrix, for the given offset. The ( i , j ) th {\displaystyle (i,j)^{\text{th}}} value of the co-occurrence matrix gives the number of times in the image that the i th {\displaystyle i^{\text{th}}} and j th {\displaystyle j^{\text{th}}} pixel values occur in the relation given by the offset. For an image with p {\displaystyle p} different pixel values, the p × p {\displaystyle p\times p} co-occurrence matrix C is defined over an n × m {\displaystyle n\times m} image I {\displaystyle I} , parameterized by an offset ( Δ x , Δ y ) {\displaystyle (\Delta x,\Delta y)} , as: C Δ x , Δ y ( i , j ) = ∑ x = 1 n ∑ y = 1 m { 1 , if I ( x , y ) = i and I ( x + Δ x , y + Δ y ) = j 0 , otherwise {\displaystyle C_{\Delta x,\Delta y}(i,j)=\sum _{x=1}^{n}\sum _{y=1}^{m}{\begin{cases}1,&{\text{if }}I(x,y)=i{\text{ and }}I(x+\Delta x,y+\Delta y)=j\\0,&{\text{otherwise}}\end{cases}}} where: i {\displaystyle i} and j {\displaystyle j} are the pixel values; x {\displaystyle x} and y {\displaystyle y} are the spatial positions in the image I; the offsets ( Δ x , Δ y ) {\displaystyle (\Delta x,\Delta y)} define the spatial relation for which this matrix is calculated; and I ( x , y ) {\displaystyle I(x,y)} indicates the pixel value at pixel ( x , y ) {\displaystyle (x,y)} . The 'value' of the image originally referred to the grayscale value of the specified pixel, but could be anything, from a binary on/off value to 32-bit color and beyond. (Note that 32-bit color will yield a 232 × 232 co-occurrence matrix!) Co-occurrence matrices can also be parameterized in terms of a distance, d {\displaystyle d} , and an angle, θ {\displaystyle \theta } , instead of an offset ( Δ x , Δ y ) {\displaystyle (\Delta x,\Delta y)} . Any matrix or pair of matrices can be used to generate a co-occurrence matrix, though their most common application has been in measuring texture in images, so the typical definition, as above, assumes that the matrix is an image. It is also possible to define the matrix across two different images. Such a matrix can then be used for color mapping. == Aliases == Co-occurrence matrices are also referred to as: GLCMs (gray-level co-occurrence matrices) GLCHs (gray-level co-occurrence histograms) spatial dependence matrices == Application to image analysis == Whether considering the intensity or grayscale values of the image or various dimensions of color, the co-occurrence matrix can measure the texture of the image. Because co-occurrence matrices are typically large and sparse, various metrics of the matrix are often taken to get a more useful set of features. Features generated using this technique are usually called Haralick features, after Robert Haralick. Texture analysis is often concerned with detecting aspects of an image that are rotationally invariant. To approximate this, the co-occurrence matrices corresponding to the same relation, but rotated at various regular angles (e.g. 0, 45, 90, and 135 degrees), are often calculated and summed. Texture measures like the co-occurrence matrix, wavelet transforms, and model fitting have found application in medical image analysis in particular. == Other applications == Co-occurrence matrices are also used for words processing in natural language processing (NLP).
Noisy text analytics
Noisy text analytics is a process of information extraction whose goal is to automatically extract structured or semistructured information from noisy unstructured text data. While Text analytics is a growing and mature field that has great value because of the huge amounts of data being produced, processing of noisy text is gaining in importance because a lot of common applications produce noisy text data. Noisy unstructured text data is found in informal settings such as online chat, text messages, e-mails, message boards, newsgroups, blogs, wikis and web pages. Also, text produced by processing spontaneous speech using automatic speech recognition and printed or handwritten text using optical character recognition contains processing noise. Text produced under such circumstances is typically highly noisy containing spelling errors, abbreviations, non-standard words, false starts, repetitions, missing punctuations, missing letter case information, pause filling words such as “um” and “uh” and other texting and speech disfluencies. Such text can be seen in large amounts in contact centers, chat rooms, optical character recognition (OCR) of text documents, short message service (SMS) text, etc. Documents with historical language can also be considered noisy with respect to today's knowledge about the language. Such text contains important historical, religious, ancient medical knowledge that is useful. The nature of the noisy text produced in all these contexts warrants moving beyond traditional text analysis techniques. == Techniques for noisy text analysis == Missing punctuation and the use of non-standard words can often hinder standard natural language processing tools such as part-of-speech tagging and parsing. Techniques to both learn from the noisy data and then to be able to process the noisy data are only now being developed. == Possible source of noisy text == World Wide Web: Poorly written text is found in web pages, online chat, blogs, wikis, discussion forums, newsgroups. Most of these data are unstructured and the style of writing is very different from, say, well-written news articles. Analysis for the web data is important because they are sources for market buzz analysis, market review, trend estimation, etc. Also, because of the large amount of data, it is necessary to find efficient methods of information extraction, classification, automatic summarization and analysis of these data. Contact centers: This is a general term for help desks, information lines and customer service centers operating in domains ranging from computer sales and support to mobile phones to apparels. On an average a person in the developed world interacts at least once a week with a contact center agent. A typical contact center agent handles over a hundred calls per day. They operate in various modes such as voice, online chat and E-mail. The contact center industry produces gigabytes of data in the form of E-mails, chat logs, voice conversation transcriptions, customer feedback, etc. A bulk of the contact center data is voice conversations. Transcription of these using state of the art automatic speech recognition results in text with 30-40% word error rate. Further, even written modes of communication like online chat between customers and agents and even the interactions over email tend to be noisy. Analysis of contact center data is essential for customer relationship management, customer satisfaction analysis, call modeling, customer profiling, agent profiling, etc., and it requires sophisticated techniques to handle poorly written text. Printed Documents: Many libraries, government organizations and national defence organizations have vast repositories of hard copy documents. To retrieve and process the content from such documents, they need to be processed using Optical Character Recognition. In addition to printed text, these documents may also contain handwritten annotations. OCRed text can be highly noisy depending on the font size, quality of the print etc. It can range from 2-3% word error rates to as high as 50-60% word error rates. Handwritten annotations can be particularly hard to decipher, and error rates can be quite high in their presence. Short Messaging Service (SMS): Language usage over computer mediated discourses, like chats, emails and SMS texts, significantly differs from the standard form of the language. An urge towards shorter message length facilitating faster typing and the need for semantic clarity, shape the structure of this non-standard form known as the texting language.
YNAB
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.