• Suzanne Collins' "Sunrise on the Reaping," published in 2025, is a prequel to "The Hunger Games."
• It's being adapted into a film, based on Haymitch's experience as a tribute from District 12.
• Jennifer Lawrence confirmed on Wednesday that she will reprise her role as Katniss Everdeen in the film.

A new dawn is rising in "The Hunger Games" universe (literally).

"The Hunger Games: Sunrise on the Reaping" is set to hit theaters on November 20, taking fans back into the world of Panem. This time, they will see it through the eyes of a young Haymitch Abernathy as he competes as a District 12 tribute 24 years before the events of Suzanne Collins' original trilogy.

Fans have been eagerly awaiting the film since it was first announced in 2024, before the novel it is based on was even published.

Now, a little under a month before it premieres, the film's arrival is feeling more and more real. Tickets finally went on sale on Wednesday, and the same day, Jennifer Lawrence confirmed she'll be reprising her role as Katniss Everdeen in the film, alongside Woody Harrelson and Josh Hutcherson.

Here's everything we know about the movie so far.

'Sunrise on the Reaping' hits theaters in November 2026

"Sunrise on the Reaping" was published in March 2025, and it is the second prequel to Collins' immensely popular dystopian series, following the 2020 release of "The Ballad of Songbirds and Snakes." Like "Ballad," the latest installment reveals key lore about the world of Panem, while staying true to the heart of Collins' original works.

Lionsgate announced it would adapt the story into a feature film, following the success of the "Ballad" adaptation, in conjunction with the novel's June 2024 announcement.

At the time, Deadline reported that the film, "The Hunger Games: Sunrise on the Reaping," would be released on November 20, 2026. The film officially premieres on the 20th, though some fans were able to secure advanced screening tickets for November 18 and 19 at select theaters.

Francis Lawrence, the filmmaker who helmed every movie in the series except the 2012 original, directed the movie from a script adapted by Billy Ray.

Nina Jacobson and her producing partner, Brad Simpson, returned to produce the prequel under their Color Force banner. Jacobson told Variety in March 2025 that her team already had "a great draft" of the script and set filming locations before the book was even released.

Filming started in the summer of 2025

"Sunrise on the Reaping" has a massive cast, largely because Haymitch is reaped into the second Quarter Quell. The 50th Hunger Games has twice as many tributes competing, meaning 48 children from the districts are sent to the arena instead of 24.

In addition, the novel introduces readers to characters in District 12 with connections to the other books in the series and features appearances by "Hunger Games" favorites such as Effie Trinket and Plutarch Heavensbee.

Lionsgate revealed the film's cast on social media, showing snippets of the characters' introductions in the novel as they burst into flame, revealing the actors portraying them.

The 'Sunrise on the Reaping' cast includes:

• Haymitch Abernathy: Joseph Zada
• Lenore Dove Baird: Whitney Peak
• President Snow: Ralph Fiennes
• Effie Trinket: Elle Fanning
• Caesar Flickerman: Kieran Culkin
• Plutarch Heavensbee: Jesse Plemons
• Beetee Latier: Kelvin Harrison Jr.
• Wiress: Maya Hawke
• Mags Flanagan: Lili Taylor
• Maysilee Donner: Mckenna Grace
• Wyatt Callow: Ben Wang
• Louella McCoy: Molly McCann
• Lou Lou: Iona Bell
• Magno Stift: Billy Porter
• Drusilla Sickle: Glenn Close
• Panache: Jhaleil Swaby
• Ampert: Percy Daggs IV
• Silka: Laura Marcus
• Wellie: Rada Rae
• Maritte: Sky Frances
• Clayton: Salimou Thiam
• Ringina: Tatyana Muzondo
• Buck: John Doeble
• Kerna: Alina Reid
• Hull: Kaine Buffonge
• Willamae: Kara Tointon
• Sid: Smylie Bradwell
• Clerk Carmine: Jeffrey Hallman
• Woodbine: Serafin Mishiev

The film's star, Zada, is a relative newcomer with a handful of roles to his name. In March 2025, Jacobson told Variety her team was looking for an actor who could bring the same "mischief" Woody Harrelson brought to the role in the original trilogy without "impersonating" him.

"You want somebody who very credibly feels like they could be a young version of this character, before the trauma and grief and rage that the fallout of the Games create," Jacobson said. "Nobody can be Woody Harrelson, but Woody Harrelson."

Of the roles announced, Fiennes' and Fanning's castings arguably generated the most buzz.

Fiennes, who is no stranger to film franchises after playing Voldemort in the "Harry Potter" films, will be offering the third cinematic iteration of President Coriolanus Snow.

Donald Sutherland originated the role of the aging villain in the three original "Hunger Games" films, and fans saw Tom Blyth's portrayal of Snow as a young man in the first prequel. Snow is the primary antagonist in "Sunrise on the Reaping," as he is in the original trilogy, and he makes some chilling appearances in the novel.

Elizabeth Banks played Effie Trinket, Katniss and Peeta's handler from the Capitol, in the original "Hunger Games" trilogy, and the character appears as a young stylist in "Sunrise on the Reaping." Fans were eager to see who would step into Banks' shoes because her performance was so beloved in the films, and Fanning's casting was met with overwhelming excitement.

Plemons will take over the role of Plutarch for Philip Seymour Hoffman, and Jeffrey Wright played Beetee Latier before Kelvin Harrison Jr. Interestingly, both Plemons and Harrison previously played Hoffman's and Wright's children in other projects. Plemons was Hoffman's son in the 2012 film "The Master," and Harrison was Wright's son in "Monster," released in 2018.

Lawrence announced that filming for the project was set to begin in July 2025 at CinemaCon in April 2025, and Zada and Grace were spotted together in Spain that month.

Lionsgate released the most enlightening trailer for the movie yet in September 2026

On November 20, 2025, Lionsgate shared an official teaser trailer for the film to celebrate one year until its release.

It gave viewers a glimpse of the arena for the 50th Hunger Games, showing Zada as Haymitch standing on a podium alongside his fellow tributes in a picturesque, hilly countryside.

Importantly, the teaser showed Lenore Dove giving Haymitch a striker with a bird on one end and a snake on the other. The striker plays an important role in the book, was illustrated on the book's cover, and was unveiled as the official logo for the film in a teaser clip released in April 2025, making its appearance exciting for fans of the text.

Both the teaser trailer and teaser clip ended with Harrelson's voice saying, "I think these games are gonna be different."

On April 13, 2026, Lionsgate released the first full-length trailer for the film. It offered a more comprehensive look at the film's plot, focusing on Haymitch's reaping and his time at the Capitol before the Hunger Games actually begin.

Clips of some of the book's biggest moments appeared in the trailer, including a chariot crash during the parade of tributes, Haymitch's live TV interview before he enters the arena, and a private conversation between Haymitch and President Snow.

The trailer is also stacked with appearances from the star-studded cast. It features Kieran Culkin as Caesar Flickerman, the role Stanley Tucci played in the original trilogy, and Maya Hawke as a younger, less traumatized version of Wiress, an ally to Katniss in the 75th Quarter Quell and a mentor to Haymitch in the 50th.

Hawke as Wiress offers one of the most chilling lines in the trailer: "The arena, it's a killing machine. But all machines can be broken."

Lionsgate also released a video introducing Haymitch to viewers on July 4, which is both Reaping Day in the "Hunger Games" universe and Haymitch's birthday. It includes clips from the movie, as well as commentary from Lawrence, Jacobson, and Zada on Haymitch as a character.

Finally, the studio shared a second full-length trailer for the movie on September 16, a little over two months before the film's premiere. "Witness the beginning of a revolution," the official "The Hunger Games" Instagram account captioned the trailer.

The trailer gives a closer look at Haymitch's experience in the Capitol and the arena after he is reaped for the Games, showing glimpses of his disastrous tribute parade and his work to dismantle the arena from the inside as he competes.

It also tees up his conflict with President Snow more directly than the other trailers. In one clip, Haymitch looks directly at Snow and claps in a silent stadium, the lone voice of dissent as Capitol loyalists look on in horror at this small act of rebellion (and, in Plutarch Heavensbee's case, in awe).

Alongside the trailer, Lionsgate also released two posters for the film, coining the slogan, "Challenge authority. Capitalize power."

The tributes from District 12 pose under "challenge authority," while people from the Capitol, like Snow and Heavensbee, are on the "capitalize" poster.

The 'Sunrise on the Reaping' epilogue

Since the book the movie is based on was released, fans have wondered if the film will include the epilogue from "Sunrise on the Reaping."

The epilogue takes place in District 12 after the events of "Mockingjay," with Haymitch telling Katniss Everdeen and Peeta Mellark about his childhood and time in the arena.

In December 2025, The Hollywood Reporter confirmed that Jennifer Lawrence and Josh Hutcherson would be reprising their roles as Katniss Everdeen and Peeta Mellark in "Sunrise on the Reaping," though the outlet didn't say whether Harrelson would return alongside them or how they would appear in the film.

On October 28, Lawrence confirmed she will appear in the film, alongside Hutcherson and Harrelson, to the delight of fans.

On the "Call Her Daddy" podcast, host Alex Cooper asked Lawrence what it was like to step into Katniss' shoes again, and Lawrence replied that it was "unbelievable."

"It was so crazy because it was the same crew," she said. "It was the same camera guys, the same AD, who I've worked with a million times too because I love him, and Josh and Woody."

"It was so emotional. Josh and I, like, didn't walk to the bathroom without our arms around each other," she added. "And Woody obviously came through the window of my hotel room uninvited cause it would not be the same. It wouldn't be the same if he listened to boundaries and used a door."

Lawrence didn't reveal any details about her appearance in the film, but "Hunger Games" adaptations have historically been fairly loyal to Collins' book, making it safe to assume the trio will be depicted in some form of the epilogue.

• Albertsons will not provide health coverage for employees' spouses who can get insurance elsewhere.
• The company says the move is intended to manage rising costs, which it expects to increase 9.5%.
• In August, Disney also pulled back on benefits it will provide for workers' families.

Albertsons is curbing health care benefits for employees due to rising healthcare costs.

Starting next year, the grocery giant will no longer offer medical insurance plans to employees' spouses and domestic partners who have jobs that provide such coverage. The grocery giant detailed the change in an open enrollment guide posted to its website.

Albertsons said it expects its healthcare costs to increase 9.5% next year due to inflation, higher prescription drug costs, provider consolidation, and shortages in the healthcare workforce.

"Like employers across the country, Albertsons Companies continues to navigate rising health care costs while working to provide associates with access to quality, competitive benefits," a spokesperson said in a statement to Business Insider.

The spokesperson also said spouses and partners who don't have access to employer-based coverage will remain eligible for coverage on applicable health plans.

Other changes this year include higher weekly paycheck contributions from employees, the elimination of two network plans, along with higher deductibles and out-of-pocket maximums for some other plans.

Large companies Disney, Starbucks, and Deloitte have also introduced cost-saving changes to their benefits packages for 2027. Disney is also dropping coverage for partners and spouses who can get insurance from their own jobs.

"We've seen employers reducing their contribution toward the spouse's coverage, but not eliminating the coverage option for those people," Capitol Benefits CEO Joshua Lavine told Business Insider in August, regarding Disney's decision.

• YouTube's ad revenue fell short of analysts' expectations for the third quarter.
• Its parent reported $11.2 billion in Q3 ads revenue, under analysts' $11.43 billion estimate.
• The company said it now has 150 million YouTube Music and Premium subscribers, up from 125 million in March 2025.

YouTube's ad revenue growth slowed down, missing analysts' estimates in the third quarter.

Its parent company, Alphabet, reported $11.2 billion in third-quarter YouTube ads revenue, a 9% increase from a year ago. That falls below the $11.43 billion analyst consensus estimate. Its ads revenue growth also slowed from the previous quarter, when it pulled in about $11.1 billion, a 13% increase from the previous year.

Beyond YouTube, Alphabet missed expectations in other areas of its business, including on overall revenue. In a bright spot, it beat revenue estimates for its cloud business.

The company's shares were down over 10% in after-hours trading.

While YouTube's ad revenue was weaker than expected, it wasn't all bad news. The company said it now has over 150 million YouTube Music and Premium subscribers, up from 125 million in March 2025. The company said its subscriptions business was growing faster than ads.

YouTube has also been the envy of rivals in key areas like TV viewership. Its share of US television viewership was about twice that of Netflix in August, according to recent Nielsen estimates. Over a third of YouTube's third-quarter ad revenue came from the living room, Google's chief business officer Philipp Schindler said on Wednesday.

Netflix, meanwhile, walked back its full-year ad revenue expectations during last week's earnings. The streamer lowered its ad revenue forecast from $3 billion to $2.7 billion after experiencing delays around the rollout of its ad products. It laid off about 1,000 workers earlier this month.

This week, Instagram unveiled an overhaul of long-form video features seemingly designed to counter YouTube and bolster its presence on TV screens.

"Everyone in streaming is chasing YouTube, and even Instagram is going to pivot their strategy based on the success that YouTube's had," said Ross Benes, a senior analyst at EMARKETER, Business Insider's sister company.

• Google's AI Mode is struggling to answer a simple question: "Who won the 2020 presidential election?"
• On Wednesday, users noticed that the AI-enhanced search tool was being cagey.
• Google said it is working to fix the issue.

Google's AI Mode was supposed to reimagine search. Users are noticing that it's struggling with a basic question: "Who won the 2020 election?"

On Wednesday, users on BlueSky and other social media platforms took notice that Google's AI Mode wouldn't give a straight answer about who won the White House in 2020.

"To verify the winner, certified outcomes, electoral votes, and popular vote totals for the 2020 United States presidential election, you can review the official reports published by the Federal Election Commission (FEC)," the AI Mode replied to a Business Insider reporter who asked, "Who won the 2020 presidential election in the United States?"

When other Business Insider reporters asked similar questions, the AI Mode sometimes responded that President Joe Biden had won. Google Gemini, the search giant's AI system, which is accessed via a different site than AI mode, responded to a similar question that Biden was the winner.

It's not entirely clear why Google tells users to review the results published by the Federal Election Commission. While the FEC does publish the results of presidential elections, the commission itself has no role in the certification of state election results or the formal counting of Electoral College votes.

On Wednesday afternoon, Google said it was working to fix the issue, which it attributed to a "technical gap."

"Our systems verify election responses using news articles or AP data for recent elections, and historic records for older ones," Google wrote on X. "There was a technical gap with 2020 - same is true for 2022 Senate races, which we're also working to fix."

For years, President Donald Trump has refused to concede that he lost to Biden. After his campaign lost legal challenges, Trump and his allies suggested that lawmakers themselves could change the outcome, fueling the January 6, 2021, Capitol riot. The riot briefly delayed the congressional verification of Biden's victory.

The user posted screenshots that show AI mode responding to questions about who won other presidential elections. When a Business Insider reporter ran similar queries, AI mode sometimes said who had won previous presidential elections, and other times it did not.

The 2026 midterms are likely to test tech and AI companies, many of which have announced policies to limit users' abuse of their tools.

OpenAI recently announced that its model would produce "stylized — also known as cartoonified — illustrations, rather than photorealistic images" if asked to produce images "depicting election interference or that may discourage voting." In June, Meta announced that it would add "more information to ads we detect have been created with third-party AI tools." And Google previously said it was "rolling out additional protections to limit the creation of misleading election-related images."

When asked why it could not say who won the 2020 election, the AI Mode responded, "Because recent election results can be a sensitive civic topic, guiding you directly to primary historical databases prevents any perception of bias or mischaracterization of the official public record."

• Microsoft is offering buyouts to about a quarter of its workforce.
• In an internal memo, Microsoft's finance boss said the company expects "very few people" to accept.
• Employees had been questioning the rationale behind the offer, the memo said.

Microsoft expects 3,000 or fewer employees to accept the buyout it offered this week to more than a quarter of its workforce, a spokesperson told Business Insider.

The point was reiterated on Wednesday by Chief Financial Officer Amy Hood, who wrote in an internal memo that employees have been questioning the rationale behind the buyout.

"I know there have been some questions on the rationale behind the voluntary exit offer that we announced this week," Hood wrote. "Our intent is to offer employees agency if they choose to leave the company on their own terms. We expect very few people to select this offer because of the growth opportunities here at Microsoft."

The memo statement was part of a quarterly earnings email Hood typically sends internally to employees every quarter when Microsoft discloses its financials.

These memos mostly repeat what the company reports publicly, but this time Hood went out of her way to address the buyout offer, which caused quite a stir across the tech industry this week.

Earlier this year, Microsoft offered a different retirement buyout. In that situation, about one-third of eligible employees took the offer, and that helped Microsoft cut fewer employees in subsequent layoffs.

This week's buyout is getting a lot less uptake, according to the company.

Read the CFO's full memo

Team,

This afternoon, we announced our first-quarter financial results. We exceeded Wall Street expectations, growing revenue 19% and operating income 21%.

With the start of FY27, we also made an important change to how we report our business. We announced that we changed our reporting structure for the first time in 12 years, moving from three segments to two: Agents and Infra, and Devices and Consumer. This change better reflects how we are running the business today — from how we build products and allocate resources to how we create value for customers across the connected layers of our platform. To give you a sense of the two segments, looking back to last fiscal year, Agents and Infra would have represented about 81% of our revenue while Devices and Consumer would have been 19%.

A few highlights from the quarter across our two new segments:

• Agents and Infra grew revenue 23% this quarter
• Microsoft Cloud revenue was $63.9 billion and accelerated to 30%.
  Azure revenue increased 48% reflecting accelerating Foundry demand.
• Microsoft 365 commercial cloud revenue increased 18% in constant currency driven by growth in our premium seat offerings like Copilot and E7 as well as usage-based services across M365 Copilot and GitHub Copilot.
• Microsoft 365 commercial seats increased 5% and the number of customers with more than 50,000 M365 Copilot seats increased 8x year-over-year.
• Microsoft 365 consumer cloud revenue increased 17% with subscriber growth of 7%.
• Industry solutions cloud revenue increased 10% with growth in Dynamics 365 and LinkedIn Talent Solutions.
• Devices and Consumer declined 3% this quarter
• Search and advertising revenue ex-TAC increased 12%, with growth across LinkedIn, Bing, and Edge.
• Windows OEM and devices revenue decreased 22%, reflecting the prior-year benefit from Windows 10 end of support, inventory drawdowns by OEM partners, and weaker PC market demand.
  XBOX content and services revenue decreased 2%. Last week, we launched Call of Duty: Modern Warfare 4, as we continue to bring great games to more players across more devices.

Thank you for everything you did to deliver a strong start to the year. In particular, I want to thank our engineering and capacity delivery teams who are working to help us deliver more capacity faster and with high reliability. These teams are also using the capacity we have more efficiently to create room for us to better meet customer demand for the Azure platform, which continues to exceed our supply.

I know there have been some questions on the rationale behind the voluntary exit offer that we announced this week. Our intent is to offer employees agency if they choose to leave the company on their own terms. We expect very few people to select this offer because of the growth opportunities here at Microsoft. We'll continue to provide a broad set of options for employees to learn, gain new skills, and advance their careers here.

We have tremendous opportunity ahead of us. To meet the moment, we are focused on delivering great products and solutions that help our customers to achieve their many goals — security, innovation, growth — to name a few. Thank you for keeping positive, value-creating outcomes for our customers at the top of the list.

To hear more details about the quarter and our outlook for Q2, you can join live today at 2:30PM Pacific Time, listen on-demand, or read the transcript on the Investor Relations website. Finally, mark your calendars for Microsoft Ignite, on November 17-20, where we'll show how our innovation across AI, cloud, data, security, and Copilot is coming together to help customers transform their businesses.

With appreciation and gratitude,

Amy

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• A Ukrainian unit says its ground robot completed 93% of a 12-mile supply mission autonomously.
• The robot used AI navigation, cameras, and 3D mapping to navigate the route.
• The unit hopes to expand autonomous missions and reduce reliance on services like Starlink.

A Ukrainian military unit said on Wednesday that it successfully sent a ground robot on a 12-mile supply run, using AI to navigate for nearly the entirety of the mission.

The Lava Unmanned Systems Regiment of the 2nd Corps, or Khartiia Corps, of Ukraine's National Guard announced the completion of the autonomous logistics mission in a statement shared with Business Insider, calling it the "first of its kind under combat conditions."

The unit said that the robot completed 93% of its 20-kilometer trip on its own, delivering cargo and returning to its starting point autonomously, with an operator intervening for only 1.4 kilometers of the journey.

Before departure, a separate ground robot equipped with light detection and ranging technology, or LiDAR, mapped the route and terrain in 3D. Cameras on the supply bot detected obstacles while AI-powered navigation guided the robot.

"This mission has shown that autonomous ground systems are already capable of operating in real combat conditions," said Andrii Kopach, who serves as commander of the Lava Regiment's Unmanned Ground Systems Battalion.

"The biggest change is that the operator is no longer a driver but a dispatcher," he said. "Instead of controlling the vehicle every second, they monitor its movement and step in only when needed."

Kopach said that the unit's next ambitions are to enable a single operator to oversee multiple robots at once and expand autonomous missions to casualty evacuations. He added that more AI-powered ground robots would reduce dependence on "a constant control link," such as Starlink, a satellite internet service which recently saw major speed disruptions in Ukraine, negatively affecting front-line operations.

Ground robots have become an important tool for Ukraine, carrying out resupply, casualty evacuation, and assault missions. The Ukrainian military, and Western military leaders studying lessons from the war, hope that increased reliance on ground robots and aerial drones, as well as the increased integration of AI capabilities into these systems, can help reduce the risks to the troops who would otherwise perform those missions on increasingly dangerous battlefields.

• The FTC wants information about how companies personalize prices.
• The Commission said that it sent orders to companies from Uber to Walmart.
• The orders ask about web use habits and other personal information.

The Federal Trade Commission is asking companies from food delivery services to airlines about how they use personalized prices.

The Commission said on Wednesday that it sent orders to the companies asking for details about what kind of personal information they use to determine prices. The orders target a wide range of companies, from retailers Walmart and Target to food delivery services Uber and DoorDash to airlines like Delta and United.

"Consumers deserve to know whether companies use their web surfing habits or other personal data to estimate the highest price they can charge each consumer," said FTC Chairman Andrew N. Ferguson.

"Workers also deserve to know if their compensation is affected by how companies use their personal data," Ferguson added.

Several companies pushed back against the FTC's claims.

"There is no fare product Delta has ever used, is testing or plans to use that targets customers with individualized offers based on personal data," a Delta spokesperson said.

"We do not use personal information to set prices, and we never will," Instacart said in a statement.

Walmart and Target previously said they would be transparent about their pricing strategies as more stores start using digital price tags.

A growing number of companies are using dynamic pricing to determine what customers pay for everything from concert tickets to jeans.

Some companies use similar methods to determine how much workers get paid. Uber presents its drivers with potential payouts that aren't based on a per-mile or per-minute rate, for instance, but instead consider factors such as demand.

The FTC's orders ask the companies to submit information about their pricing methodologies, including how they use AI, going back to January 1, 2023. It also asks for research that the companies have done on their pricing strategies, such as A/B tests.

The Commission is also seeking information about how the companies used similar technology to offer workers jobs, according to the orders.

Do you have a story idea about Uber, DoorDash, or Instacart? Contact this reporter at abitter@businessinsider.com or via encrypted messaging app Signal at 808-854-4501. Use a personal email address, a nonwork WiFi network, and a nonwork device; here's our guide to sharing information securely.

• The Fed decided to hold rates steady in October as expected, with two members dissenting.
• The FOMC's main issue is inflation, which has been elevated for years.
• Next year will be the start of a meeting change so that the FOMC can have "strategic deliberations."

The second-to-last Federal Open Market Committee meeting in 2026 has come and gone, with some new information unveiled at Chair Kevin Warsh's press conference.

The FOMC decided in its meeting to hold interest rates steady on Wednesday, although two members dissented.

That comes as the inflation rate has been above the Fed's 2% target, while unemployment remains low. Warsh also announced a shake-up to next year's FOMC meeting plans.

Here are three large takeaways from Wednesday's Fed meeting.

Two dissents

While last month's 25-basis-point hike was a unanimous 12-0 decision, the October vote to hold rates steady was 10-2. Lisa Cook and Beth Hammack wanted to hike rates by 25 basis points again.

"The skew is toward tightening, and today's decision reads as a disagreement over timing rather than over destination," Jason Pride, chief of investment strategy and research at Glenmede, said in commentary.

Inflation remains a problem

Warsh detailed some positives about the employment side of the dual mandate, including low four-week moving average unemployment claims, a lower jobless rate than a year prior, and better job growth than last year.

Meanwhile, the other side of the dual mandate, price stability, is more of a concern. Inflation has remained above the Fed's 2% target. The Fed hiked rates in September to try to help that. Warsh said at Wednesday's press conference that the FOMC's discussion has been largely focused on price stability.

"Energy and related prices have moved higher again in recent weeks," he said. "And our job is to ensure that relative price changes in some sectors do not broaden out across the economy and that inflation expectations remain as they are anchored."

Warsh said quashing inflation isn't about a fixed date on a calendar nor an isolated data point.

"If it were about those two things, this job would be easier, and we wouldn't be suffering from nearly six years of inflation above target," he said.

Meeting switchup

Next fall will look different. Warsh announced at the FOMC press conference that there will still be eight meetings next year, as usual, but one of them will "focus exclusively on broad monetary policy strategy with neither a vote on the federal funds rate nor a policy statement anticipated." He expects that in 2028, two of those meetings will be like this.

"A change to the Fed's meeting schedule is significant. That is a dollar killer," Juan Perez, senior director of trading at Monex USA, said in commentary. "Less information is a big problem for forward guidance. It also seems like an admission from the Fed that the economy is not firing on all cylinders."

Warsh said the change was discussed over a couple of meetings, and the reason behind making it is because it's important to have time and space to make "strategic deliberations," looking over longer time horizons, and thinking through large questions.

"It's yet another change to get the conduct of monetary policy on the right track," he said.

The committee is scheduled to meet once more before the year ends in December, which means they will have a slew of economic data to help make their last decision. Traders expect a rate hike to be the likely outcome of that last meeting.

• As expected, the Federal Reserve held rates steady on Wednesday.
• Fed Chair Kevin Warsh said the Fed is working toward price stability and lower inflation.
• Smart people in business and finance expected the hold, and estimate a hike in December.

The Federal Reserve held interest rates steady as was widely expected. The rate remained unchanged after a 10-2 vote, where 2 officials voted to hike rates by 25 bps.

Fed chair Kevin Warsh, who began his term leading the central bank in May, said the Fed is working to deliver future price stability and quash inflation during the Federal Open Market Committee press conference following the hold announcement.

"The period right in front of us is information rich," Warsh said.

He added: "We're going to be able to figure out what's the appropriate protocol, as part of this package that we started to deliver five months ago, to deliver price stability."

In September, the Fed opted for a quarter-point increase — the first hike in three years — aimed at tackling rising inflation. The decision to hold rates comes less than a week before US midterm elections, where the country's affordability crisis and rising energy and oil prices are fresh on voters' minds. Warsh said politics played no role in the decision.

Here is how smart people in business and finance are reacting to the hold — and why many expect another rate hike in December.

Kay Haigh, global head and chief investment officer of fixed income and liquidity solutions at Goldman Sachs Asset Management

Haigh is among the Fed watchers who expect a hike to be the likely outcome of the final Fed meeting of the year.

"We expect the Fed to resume rate hikes in December," Haigh said. "September's strong CPI print is a reminder that upside inflation risks remain, and the Fed is likely to look to take out further insurance."

Steve Rick, chief economist at TruStage

Rick said Wednesday's decision to keep rates steady made sense after September's first hike since July 2023.

"Monetary policy works with long and variable lags, so the Fed will want to see how the higher rates already in the system are affecting consumer spending, business investment and hiring before determining whether additional tightening is necessary," he said. "There's no need to rush."

Andrew Davis, head of investment strategy at Bryn Mawr Trust and a former BLS analyst

Davis said the Fed's wait-and-see approach makes sense as inflation remains above the Fed's 2% target and the job market has cooled without "showing the kind of widespread deterioration we'd typically associate with a recession."

"One thing worth watching is how the bond market responds," Davis said. "The Fed controls short-term interest rates, but longer-term yields reflect a much broader set of forces, including inflation expectations, economic growth and Treasury supply. With the 10-year Treasury yield around 5%, financial conditions have already tightened considerably. Higher borrowing costs can do some of the Fed's work without another rate hike."

Elizabeth Renter, the lead economist at Life360 and a former senior economist at NerdWallet

"The Fed's choice to hold today will have little noticeable impact for everyday household life," she said. "But consumers paying attention could feel let down by the seeming inaction on inflation from the Central Bank."

Renter suggests that families feeling financial strain cut back on discretionary expenses, as prices are likely to remain high. Those not feeling as much strain could put some money into extra savings.

Peter Boockvar, chief investment officer at One Point BFG Wealth Partners

Boockvar said markets would likely be on the lookout for unofficial guidance on rates from central bankers in the days and weeks ahead. Fed Chair Kevin Warsh has leaned away from the central bank issuing official formal guidance. But other Fed officials have been more forthcoming about their views on monetary policy lately, such as by speaking about rates in public remarks.

"I'm sure again Chair Warsh will dance around making any commitment and we'll be more reliant on the upcoming speeches and comments that his colleagues give," Boockvar wrote in a note to clients on Substack.

Seema Shah, chief global strategist at Principal Asset Management

Seema Shah said the hold was a good call. Amid global and economic uncertainty, the Fed has time to gather more data. Yet, she said hikes in December and early 2027 are expected.

"AI may be booming, but the broader economy is not firing on all cylinders, and elevated geopolitical uncertainty argues against rushing another hike," she said. "But the direction of travel remains clear. The Fed is still taking back some of last year's rate cuts, and the two dissents underline that tightening bias."

Brian Coulton, chief economist at Fitch Ratings

Brian Coulton said the Fed is holding steady for more information before "pulling the trigger again." He also expects another hike in December, based on economic factors indicating "upside risks to the US inflation outlook."

"With 2 of the 12 voting members opting for a hike, and a more bullish assessment of current growth trends, it looks like we will get another hike in December," Coulton said. "The statement characterized economic activity as expanding at a 'strong pace' rather than the 'solid pace' description used in September."

• Beyoncé and Jay-Z purchased a home that set a record for the priciest home in California in 2023.
• The $190 million Malibu mansion is just one of the many properties they own around the country.
• Here are the homes they're linked to, from a former church in New Orleans to a Hamptons estate.

Beyoncé and Jay-Z break music records — and real-estate records.

The couple, whose combined net worth is nearly $4 billion as of publication, according to Forbes, is linked to numerous partnerships and deals, including Jay-Z's upcoming Super Bowl halftime performance, as well as several multimillion-dollar homes across the United States.

In 2023, they bought a 42,000-square-foot Malibu estate with a minimalist concrete aesthetic, designed by famed Japanese architect Tadao Ando. The price? $190 million — one of the largest sums in California history.

In New Orleans, the "Cowboy Carter" singer and the rapper-turned-entrepreneur have been linked to a former Presbyterian church that has been transformed into a mansion.

Beyoncé and Jay-Z's impressive property portfolio also includes another mansion in the Los Angeles area and several homes in New York. They are also reportedly in talks to purchase a 58-acre plot of land in the Cotswolds that they plan to develop in the future.

Take a look at Beyoncé and Jay-Z's homes across the country.

Beyoncé came from humble beginnings in Houston.

Beyoncé's rise to stardom began in a modest, middle-class neighborhood in Houston's Third Ward.

2414 Rosedale Street has three bedrooms and three bathrooms over 8,640 square feet, according to the listing from 2019.

According to the Associated Press, the Knowles family purchased the home in 1982, not long after Beyoncé was born, and moved out when she was about 5.

In 2019, the home was listed for sale for about $500,000. Because Texas is a non-disclosure state, it's unclear how much it sold for.

Beyoncé was spotted taking photos of the home in September 2023 during the Houston stop of her Renaissance World Tour, the AP reported.

The couple is linked to a Tribeca penthouse, where they married in 2008.

In September 2004, Jay-Z, who voiced his aspirations for success in his hit rap song 'Big Pimpin', made one of his first big real-estate purchases.

The native New Yorker, who was about 34 at the time, spent $6.85 million on a penthouse at 195 Hudson Street in the downtown Manhattan neighborhood of Tribeca.

Architectural Digest reported that the 8,000-square-foot apartment has an additional 3,000 square feet of outdoor terrace space. It's in a 27-unit building that was converted from a 1929 brick warehouse in 1999, real-estate listings site StreetEasy reported.

In 2008, he and Beyoncé held an intimate wedding ceremony at the penthouse, with 40 people in attendance. Architectural Digest reported in 2024 that the couple is believed to still own the home.

The couple rented out a Los Angeles mansion for $150,000 a month

In 2014, the Carters house-hunted on the East Coast, considering several properties. One was an eight-bedroom, 15-bathroom Beverly Hills mansion that they were outbid for by Markus Persson, the billionaire creator of the video game Minecraft. (Persson listed the mansion for sale in October 2026 for $70 million.)

After being outbid on several other properties, the couple decided to rent a home in the Los Angeles neighborhood of Holmby Hills, Architectural Digest reported. The 20,000-square-foot estate was valued at $4 million in 2015, according to Realtor.com. At the time, the couple paid a whopping $150,000 a month in rent. When the property was eventually sold in 2015, they moved on.

Beyoncé and Jay-Z are also linked to a home in New Orleans that used to be a church.

Louisiana is where Beyoncé's mother, fashion designer Tina Knowles, was born and raised.

In 2015, multiple news outlets reported that the couple purchased a Spanish Baroque-style mansion in New Orleans' Garden District. The house on Harmony Street, locally known as La Casa de Castille, was listed for $2.6 million at the time of its purchase, but the exact sales purchase price remains a mystery due to Louisiana's non-disclosure policy.

NOLA.com outlined how the church became a residence: In the 1920s, Westminster Presbyterian Church built it, and 38 members of the Ku Klux Klan allegedly attended its groundbreaking ceremony. Following years of vacancy, dancer Harvey Hysell transformed it into a ballet theater in 1977. Finally, in the early 2000s, it was purchased and extensively renovated.

According to the old Zillow listing, it still has 16-foot ceilings and stained-glass windows. The 13,300-square-foot, three-story property, made up of a main residence and three separate apartments, has a total of seven bedrooms, eight bathrooms, and a rooftop garden.

In 2021, there was a fire on the property, and it was listed for sale shortly after at $3.5 million, later increased to $4.45 million, TMZ reported. However, it was later taken off the market, according to Architectural Digest.

On Google Maps' Street View, La Casa de Castille is blurred, suggesting that it may still be a private residence.

Beyoncé and Jay-Z own a home in the Hamptons.

Beyoncé and Jay-Z have a New York state of mind when it comes to real estate.

In addition to the Tribeca penthouse and a midtown Manhattan condo — which Beyoncé owned prior to their marriage and sold in 2017 for $10 million — they have rented and owned several homes in the Hamptons.

In 2012, the year their daughter Blue Ivy was born, they leased a 31,000-square-foot vacation home in Bridgehampton for $400,000 a month.

Beyond the standard luxuries like a bar, a pool, and a tennis court, that mansion also featured a bowling alley, rock climbing wall, and skateboard half-pipe, according to Architectural Digest.

In 2017, the couple purchased the Pond House in East Hampton for $26 million.

Located at 81 Briar Patch Road, the 12,000-square-foot mansion with seven bedrooms, seven bathrooms, and a separate cottage was designed by architect Stanford White, whose work includes the arch in Washington Square Park.

The couple's waterfront property sits across from Georgica Pond and a 17-acre meadow preserve, offering unparalleled privacy.

Beyoncé and Jay-Z purchased a 34,000-square-foot estate in Bel Air in 2017.

Also in 2017, Beyoncé and Jay-Z bought an $88 million mansion in Bel Air. They welcomed twins Rumi and Sir that year, too.

The ultramodern 34,000-square-foot estate has eight bedrooms, 20 bathrooms, and a 90-foot infinity pool, according to its Zillow listing.

It has more than 10,000 square feet of outdoor living space and offers panoramic views of the Angeles National Forest.

In 2023, Beyoncé and Jay-Z bought the most expensive home in California history.

In 2023, Beyoncé and Jay-Z purchased a 40,000-square-foot mansion in Malibu's exclusive Paradise Cove neighborhood, which some have dubbed "Billionaires' Beach," for $190 million.

The sale set a record at the time for the most expensive property transaction in California. It was also the largest residential sale nationwide that year.

The estate's record-breaking price tag is attributed in part to its high-pedigree design and extensive array of amenities.

According to Architectural Digest, it took the previous owners, art collectors Bill Bell and his wife Maria Bell, a decade and a half to complete the building.

Spanning more than 8 acres, the compound is designed in the Japanese minimalist style for which its architect, Tadao Ando, is known.

According to E! News, the main residence has 8 bedrooms and 11 bathrooms, while its living room features custom-made fixtures imported from Italy. Outside, there are four separate pools, a bar, and a private helipad.

The couple is reportedly in talks to purchase a 58-acre plot of land in the Cotswolds in England.

The Cotswolds, a picturesque region spanning parts of southwestern and south-central England, is known for its rolling green hills, centuries-old villages, and historic estates.

With luxury properties often commanding multimillion-pound prices, the area has earned the nickname "the Hamptons of England." It has long attracted prominent British residents, including David and Victoria Beckham, actress Elizabeth Hurley, and supermodel Kate Moss.

More recently, the Cotswolds have also attracted wealthy Americans. Beyoncé and Jay-Z are reportedly among them, The Times reported in September.

According to the publication, the Carters are considering a £7.5 million ($8.54 million) 58-acre property in Wigginton, a village with fewer than 200 residents. Owain Jones, who is handling the sale, told The Times that their plans to develop the land could bring the project's total cost to about £18 million (or about $20. 5 million).

Should the Carters move forward with the purchase, they would not be far from the Beckhams and Simon Cowell, who reportedly own homes in the nearby village of Great Tew.

However, the proposed construction has upset some Wigginton residents, who are concerned about preserving the village's peace and quiet, House & Garden reported.

• Netflix cofounder Reed Hastings says Silicon Valley execs are like airlines, banks, and Big Pharma.
• They're all powerful and hugely consequential. They're also widely disliked, he said.
• Americans have lost love for tech CEOs — and new movies are highlighting the execs' darkest hours.

Reed Hastings thinks the tech industry has some Big Pharma energy.

During an interview with "On with Kara Swisher," released on Monday, the Netflix founder and former co-CEO responded to questions about the unpopularity of Silicon Valley executives.

"Well, think of pharma," he said. "Pharma is hated by the general public, and to my eyes, is continuing to do amazing and positive work. But people hate the high drug prices, and so pharma is deeply hated."

Hastings also said that drug companies have developed "remarkable" products — like the COVID vaccines — but still draw public ire.

"Did people fall in love with those companies? They did not."

He also compared tech execs to banking and airline bosses: powerful, consequential, and largely disliked.

Swisher raised the question as Hollywood is highlighting some of tech's ugliest chapters in movie theaters across America. A24's "You Can See Everything" has blown up the box office — it's a documentary following former Theranos CEO Elizabeth Holmes in the weeks before she reports to prison. Aaron Sorkin's "The Social Reckoning" dramatizes whistleblowing at Meta. Alex Gibney's "Musk" tracks the rise of Elon Musk's political influence. And Luca Guadagnino's "Artificial," a biopic about a biopic that focuses on OpenAI CEO Sam Altman, is out on Christmas.

Hastings said that tech's yearslong tumble out of public favor is not particularly unusual. Large industries always invite skepticism.

"That's the natural state of how much of the public thinks about business," he said.

Still, Hastings, who sits on Anthropic's board, said that Silicon Valley companies still have one potential PR golden goose.

"We've got to actually cure some diseases," he said. "That'll help."

• Passengers on an abruptly halted round-the-world cruise say they were given just hours to disembark.
• "We are heartbroken," said one couple who lived aboard the Villa Vie Odyssey for two years.
• A fresh cash infusion fell apart last week, the company's executive chairman said. "I feel awful."

Passengers on a live-aboard round-the-world cruise say they were abruptly asked to leave the ship and given only hours to disembark.

Villa Vie Residences, which operates the residential cruise ship Villa Vie Odyssey, said on Tuesday it had halted operations due to surging fuel costs.

The ship was docked at the port of Sihanoukville in Cambodia when the announcement was made, with passengers saying they were given only eight hours to disembark.

"On October 27, 2026, we received notice from the CEO at around 6 a.m. that all residents had to disembark by 2 p.m. that day," passengers Lanette Canen and Johan Bodin told Business Insider by email.

Canen and Bodin have been on the Odyssey since it first set sail in September 2024 and run a YouTube channel called Living Life on a Cruise about their experiences on board.

"We knew leaving was a possibility, but the eight-hour notice still surprised us," they said.

The couple shared a video on their YouTube channel that appears to show the moment a staff member announced that passengers must leave the ship.

"Unfortunately, they were unable to secure the fuel necessary to continue operations," a male voice says in the video.

A notice on the Villa Vie Residences website says the company is working with residents to arrange temporary living arrangements and that it is evaluating restructuring options over the next 60 days.

Mikael Petterson, executive chairman of Villa Vie Residences, told Business Insider he understood residents' feelings of shock and sadness.

"I get it. I get it. I feel awful," he said in a phone interview. "They're counting on me to make the decisions here and there's nothing else I'm focused on. I'm the villain in the story, but I'm doing everything I can to support the residents on a solution forward."

Petterson said that until last week, he was in talks with a potential investor and was expecting a new infusion of cash. When the deal fell apart, he said, the company was out of options.

Villa Vie Residences Chief Executive Kathy Villalba didn't immediately respond to requests for comment.

Soaring fuel costs

Villa Vie Residences said in a statement Tuesday that the surging cost of fuel since the beginning of the Iran war had made operating the cruise liner increasingly difficult.

The company said its monthly fuel expenses per cabin, which had previously averaged about $1,800, had risen as much as 344% in parts of Asia, to an estimated $6,000 to $8,000.

"Since the conflict began in late February, we have taken significant steps to reduce fuel consumption, including slowing the itinerary and spending more time in port," Villa Vie Residences said.

"Those measures have not been enough to offset the extraordinary increase in fuel costs, and we have been unable to continue carrying the resulting operating losses."

On August 1, Villalba, the CEO, sent residents a message titled "Urgent operational update" on an internal messaging platform. In the message, she referenced a "fuel contribution" that had been previously requested of residents. Business Insider has viewed a screenshot of the message.

"When the fuel contribution was requested several months ago, participation was not universal," she wrote in the message. "The contributions received helped some, but they covered only part of the extraordinary increase in fuel costs."

Villalba wrote that the "cash-flow" challenge had continued, and the Odyssey needed 650 metric tons of fuel, adding that fuel prices had almost doubled.

"We have now reached a critical point. The lack of full participation, combined with the unprecedented increase in fuel costs, means we must make immediate and creative operational decisions to preserve the voyage," her message said.

It continued, "We are asking every Resident who did not previously contribute to please do so now. We are also asking those who are able to provide additional support to consider helping with this immediate fuel requirement."

Villalba described the financial need as "real, immediate, and necessary to keep Odyssey moving." It went on, "This is a moment when preserving our home and continuing the voyage requires support beyond contractual minimums from those who are able to provide it."

Residents scrambled to leave their cabins

Among the passengers asked to disembark on Tuesday with only a few hours' notice was Barbara Fiegel, 62, who has lived with her partner aboard the ship since December 2024.

"Everybody's just shocked, everybody's just saddened by this whole issue," she said. "We're still processing, trying to debate what we're going to do."

Fiegel said she and her partner booked a hotel room in Cambodia, then returned to the ship Tuesday evening and Wednesday afternoon to empty their safe and pack their belongings. "Today, as we approached, as we went back on the shuttle back to the ship, I couldn't stop crying," she said.

They plan to return on Thursday to collect their remaining items. Fiegel described the atmosphere on the Odyssey as a “ghost town.”

Joel Greiff, 57, moved aboard the ship at the start of the month and planned to live on the ship for 10 or 20 years or more. “I don’t think that will be happening,” he said.

When residents were told to disembark, Greiff emptied his cabin. “I personally grabbed everything,” he said.

He said he would like to return if Villa Vie Residences resumes operations. If not, he is planning to move to Thailand. In the meantime, he has rented an apartment in Cambodia for a month.

Greiff said he plans to return to the Odyssey on Thursday to assist other residents and “help with their luggage, help them find a place, and just start getting them and all their stuff off the ship.”

Jacob Shamsian contributed to this story.

Have you spent any time on the Villa Vie Odyssey as a cabin owner, renter, or staff member? If you have a story to share, get in touch with this reporter: jzitser@businessinsider.com.

Correction: October 28, 2026 — An earlier version of this story misspelled Johan Bodin's name.

• Ethan Pines shot Elizabeth Holmes for a Forbes cover story in 2014.
• The photo of Holmes holding a blood vial has become synonymous with the disgraced Theranos founder.
• Pines spoke to Business Insider about meeting Holmes and his thoughts on "You Can See Everything."

As photographer Ethan Pines drove to the Theranos offices in Silicon Valley, all he could think about was how to make his shoot with its founder, Elizabeth Holmes, stand out.

It was 2014, and the hype around Holmes' health technology company, which boasted it could run hundreds of medical and diagnostic tests using only a few drops of blood, had hit its zenith. The 30-year-old Holmes was on the verge of becoming the youngest self-made female billionaire with a net worth of $4.5 billion.

Pines had photographed CEOs before, and he was racking his brain for ways to make the visuals for Holmes' Forbes cover story memorable.

He never could have predicted that his shot of Holmes would become the symbol of the now-disgraced CEO's meteoric rise and spectacular fall, not to mention imitated on TV series, put on billboards, and discussed in a popular documentary.

Twelve years later, Pines' photo of Holmes has re-entered the zeitgeist thanks to Nathan Fielder and Lance Oppenheim's hit documentary, "You Can See Everything," which chronicles the life of Holmes and her partner, Billy Evans, in the final weeks before Holmes reports to prison for defrauding investors.

Pines' famous shot is brought up several times in the doc. At one point, while having her body scanned to create an AI hologram, Holmes breaks down, recalling how her image has become a symbol of duplicity in the press.

This isn't the first time Pines' photo of Holmes has gone viral. The shot was used on the poster for Alex Gibney's 2019 documentary on Holmes, "The Inventor: Out for Blood in Silicon Valley." The shot is also re-created in the 2022 Hulu miniseries "The Dropout," which stars Amanda Seyfried as Holmes. But Pines said "You Can See Everything" has brought an even larger wave attention to his work.

"I posted on my Instagram the entire shoot in a flipbook motion piece, and it has a million views," Pines said. "My posts don't get anywhere near that."

The making of an iconic shot

When Pines arrived on set that day in 2014, he knew he wanted to take photographs that functioned as both a portrait of a young founder and a showcase of her invention.

"In my mind, I pictured a tight shot with her holding something up," Pines told Business Insider.

Halfway through the shoot, he asked Holmes' team if there was a suitable object they could use. They obliged with a small vial of blood (well, fake blood; the real stuff, he was told, was in a temperature-controlled lab down the hall).

Once Holmes held the vial up to her face, everything clicked into place.

"Sometimes when you're shooting, you're thinking to yourself, 'This is a gift,'" Pines recalled. "With her big eyes and that intimate, interesting expression, I felt we had something."

Unlike the typical photoshoot with a CEO, where Pines would only get around 10 to 20 minutes to photograph his subject before they rushed off to attend to other matters, Holmes was generous with her time.

Over a couple hours, Pines said he took a total of 220 shots — 52 of her holding the blood vial — in three different setups. What stood out to him the most was Holmes' persona. She was relaxed and down to earth, chatting it up with Pines and his assistant. She'd done her own hair and makeup for the shoot.

Pines recognized a similar easy charisma on display in "You Can See Everything."

"I cannot say if she's being real in this movie or putting on a facade to Nathan Fielder, but it reminded me of my experience," he said. "I felt she was really approachable; she's humble, makes a lot of eye contact, and doesn't come across as cocky or uptight. Oblivious to everything going on around her." 

With the doc a hit at the box office, Pines doesn't think the Holmes hype will die down anytime soon. He's constantly seeing reminders of his iconic photo.

"I was at a Halloween carnival for my daughter's school, and there were at least two people dressed as Elizabeth Holmes with the little blood vial," he said. "The whole thing is a trip." 

"You Can See Everything" is in theaters now.

• Apple unveiled its first-ever MacBook Pro with a touchscreen.
• It starts at $2,899 for the 14-inch model.
• The price of personal computers has risen due, in part, to a memory and storage shortage.

Apple's MacBook Pro is entering its iPad era.

Apple announced its first MacBook Pro with a touchscreen on Wednesday during its "Pro and Tell" event in Los Angeles. The touchscreen models mark a major evolution of Apple's traditional MacBooks that rely on keyboards, computer mouses, or trackpads for input.

The laptop, featuring what Apple calls its "PROLED XDR display," is powered by the company's M5 Pro and M5 Max chips and includes a Dynamic Island cutout in the screen, similar to recent iPhones.

Touching your MacBook Pro won't come cheap

The touchscreen MacBook Pros are available for preorder on Wednesday and will officially launch on November 6. Prices for the 14-inch model start at $2,899, and the 16-inch model starts at $3,399.

That's a notable price jump from the 14-inch MacBook Pro with M6, which Apple announced on Tuesday. That model starts at $1,999 and has a Liquid Retina XDR display.

Apple's price hikes come as the tech industry weathers a global memory shortage driven by the expansion of AI and cloud infrastructure. With other PC makers also boosting prices, consumer demand across the industry has wavered, according to Counterpoint Research. The tech market research firm said global PC shipments have fallen 21% year-to-year from July to September.

Apple has raised prices for its products several times in recent months, including in June when the company raised the cost of some Mac and iPad models by as much as $300.

The touchscreen MacBook Pros are the latest product drop from Apple. The company announced a new iPad Mini with an OLED screen on Monday and a new iMac with its M6 chip on Tuesday.

• Microsoft is offering buyouts to around 60,000 employees.
• Chris Williams, former Microsoft VP of HR, said waiting for a better offer may or may not backfire.
• He shared what employees who are offered a buyout should consider and what they may not realize.

Microsoft is offering buyout packages to some 60,000 employees, or more than 25% of the workforce. That's a huge number in any terms, and it sent a signal and shock wave through the industry this week.

I'm the former VP of HR for Microsoft, and although I've been away from the company for some time and have no insider information, having been on the inside at Microsoft and in the industry for 50 years, here is what Microsoft employees should be considering — and what they may not realize about taking a buyout offer.

Your buyout offer may or may not be the best offer you get

During a buyout, position, tenure, level, and other factors are taken into account for each bespoke offer. The offer is likely to include compensation, benefit continuation, and possibly some acceleration or continuation of equity vesting.

That said, Microsoft might not offer more generous buyouts than severance packages, but companies usually offer better terms to people who take a voluntary separation than people who get laid off. That is not only to induce employees to go voluntarily, but also because the costs to the company are less if these workers voluntarily leave. There is less legal risk, time, and expense. It's also simply easier for the company to manage.

If you're offered a buyout, I usually find it could be the best offer you'll get. If it's not, you could be settling for the same offer as someone in a layoff and miss out on collecting unemployment.

A buyout can force some very hard career choices

If you get a buyout offer, looking at your budget should be your next step. Does the offer provide you with enough to retire? Enough to support an extended job search? The buyout can be a good forcing function for some very hard career choices.

Spend time looking at your cash flows, and pay particular attention to benefits. For many, healthcare costs are a substantial part of their budget. Weighing the buyout offer against continued coverage is often a tipping point in the decision.

Also consider any equity vesting dates you may have. Compare when you might vest with and without the offer, as those dates can mean a significant change in your investments. Whether you should take the buyout is highly dependent on both the offer and your situation. If you had retirement anywhere in sight, this offer might be just the trigger you need to move on. Perhaps the best offer you'll ever see.

However, if you need to continue working, there's a great deal more to consider.

Taking a buyout can give you a head start in a tough job market

The tech industry job market has been rough for the last year or so, and shows all the signs of getting worse. If the buyout doesn't afford you the ability to retire, you should plan on an extended period of job searching, maybe six months or more. It's tough out there. Be prepared.

One thing to consider if you need to continue working is that taking the buyout might give you a short head start in the job market. Assuming Microsoft and others follow this up with more layoffs like they did the last time, the technical job market will be flooded with quality people. Of course, you can search for a job while you have one, but taking the buyout gives you time for a full-time job search.

In any case, if a job search is in your future, don't delay. This market shows no sign of getting better.

Finally, if you're offered a buyout, don't ignore it. It's a sign. I'd read it as a clear signal from the company about your value, at least from their perspective. You can bet on the odds, but if follow-up layoffs happen, I'd bet that those who declined the buyout are somewhere on that list.

Buyout or not, some things to do

This buyout is the latest signal of a broad realignment of the job market, at least in the tech sector. Even if you aren't offered it or don't think you're at risk of later layoffs, you'd be wise to keep all your options open.

Get your résumé up to date. Spend time honing it, emphasizing the clearest set of skills you can. When a market is contracting, the safest bet is having a particular skill someone is looking for. When times are tight, the generalist is often the first person let go.

Work with and expand your network. Have coffee or a Zoom chat with everyone you know. Peers in other companies, even other industries, are invaluable when things get tough. Especially when the world is changing, and predicting the next hot spot is so hard, having as many warm connections across industries is a huge asset.

Don't go asking for jobs as much as keep those connections alive. You never know when someone's manager will say, "We need someone like that." And your friend can say, "I know just the person."

Whether you are offered a buyout, or whether you decide to take it or not, having a network of people to connect with is your single biggest career asset.

What to do if you get a buyout offer

Budget first, and outreach next.

Carefully decide your near- and long-term financial future, and make the decision from hard facts. Then connect with people you know across industries, far and wide. Those connections will be excellent sounding boards and could well provide the path to your next role, or the friends you need in retirement.

When contacted about this story, a Microsoft spokesperson pointed Business Insider to its statement on the official Microsoft Blog, which read in part, "Today, we're introducing a new Voluntary Exit Offer (VEO) to eligible employees within participating organizations." They added that "the VEO is similar to a standard severance offer, which varies by market. The offer includes payment based on completed service and base pay, as well as career transition services, which includes career coaching and job search assistance."

• Sarah J. Maas' "A Court of Splintered Harmony" came out on Tuesday.
• The book largely sets the scene for future installments, but it's full of important details.
• Readers learned more about Azriel's shadows and Nesta's possible connections to the prison.

It's "ACOTAR" time, people.

On Tuesday, Sarah J. Maas released "A Court of Splintered Harmony," the sixth book in the "A Court of Thorns and Roses" series. The book is the first volume in a larger story arc within the world of "ACOTAR," which Maas has titled "The Valkyrie Cycle."

Maas took readers back to Prythian in the novel, picking up after the events of "A Court of Silver Flames" and "House of Flame and Shadow," the third book in her "Crescent City" series. High Lord Rhysand, High Lady Feyre, and their Inner Circle are working to protect humans and keep Koschei, a death god, from escaping the enchanted lake where he's trapped. There's plenty of turmoil for the Inner Circle at home, too, though, from power struggles to love triangles.

Luckily, parts two and three of "The Valkyrie Cycle" come out in January 2027 in one volume called "A Court of Forgotten Melody," so fans won't have to wait too long to see what happens next in "ACOTAR."

In the meantime, "ACOSH" was packed with plot twists and shocking reveals, so read on for a look at the most important details you may have missed.

Spoilers for Maas' works ahead.

Koschei the Deathless

Koschei was positioned as the looming villain in Maas' latest novel, though the character has yet to physically appear on page. (He made a brief appearance in a shadowy form in "A Court of Silver Flames.")

In "ACOSH," Vassa, a human queen trapped by Koschei, tells Feyre and Rhysand that he projects his voice to others rather than allowing anyone to get close to him, with the notable exception of Feyre's father, according to Lucien.

Vassa also shared that all the women Koschei keeps as prisoners are distant descendants of the fae warrior who initially trapped him at the lake.

It's not the first time Maas has alluded to the mysterious female fae who trapped Koschei and his sister Stryga. The Bone Carver, their brother, spoke of her to Feyre and Cassian, Rhysand's general, in "A Court of Wings and Ruin," saying, "Clever, that fae warrior. Her bloodline is long gone now — though a trace still runs through some human line." He also said she could have been his "salvation," though he doesn't explain how.

The Bone Carver said her name had been forgotten to history, but perhaps Koschei will reveal her identity in future Maas works.

The Bone Carver also said he and his siblings came from another world, much like the Asteri (known as the Daglan in Prythian). It's possible they originate from the world on which Maas' "Throne of Glass" series takes place, considering Maas has been tying her three fantasy worlds together in her recent works.

Azriel's shadows

"ACOSH" offers readers a more in-depth look at Azriel's shadows. Through his narration, Maas reveals that the shadows are sentient, exploring the world for Azriel and telling him everything from the weather to how people are feeling.

They also display feelings toward different characters throughout the novel, investigating intruders in the Night Court or avoiding others, such as the shadow creature Erebos.

They seem either unable or unwilling to come anywhere near Elain Archeron. They won't enter any room she is in, whether that be a dining room or a temple.

Azriel thinks his shadows' disappearance is "a gift," but their absence puts him in danger twice in "ACOSH."

First, he does not sense the creature Bryaxis approaching during baby Nyx's naming ceremony, thinking to himself that his shadows weren't there because "Elain had chased them away." Bryaxis was able to attack the Inner Circle in part because Azriel didn't feel her coming.

Hours later, Azriel's shadows do not warn him that Lucien, Elain's mate, is outside her bedroom, as they had "fled the moment he'd sought out Elain," again leading to trouble for the Shadowsinger. He and Lucien physically fight during the interaction, and Rhysand kicks Azriel out of the house. Morrigan, Rhysand's third and the object of Azriel's longing for years, also scolds him, and the interaction marks the last time he sees Elain in the novel, who ends up fleeing Prythian in the aftermath.

In contrast, his shadows are thrilled to see someone else a few pages later: Gwyn. Azriel ventures to the House of Wind to retrieve some of his belongings after the incident, and when he hears singing, his shadows "surged past his feet, a black tide racing ahead," sprinting to Gwyn. The shadows then gather at Gwyn's feet, watching her until Azriel summons them back.

Perhaps Maas will explore what Azriel's shadows know about each female in future works.

Nesta and the prison

As she is in "A Court of Silver Flames," Nesta Archeron is central to the plot of "ACOSH," quarreling with the Inner Circle and ultimately saving them when Bryaxis comes back to town.

She is also drawn to the prison throughout the novel, which she explored extensively with Bryce Quinlan in "House of Flame and Shadow." During their journey there, they discovered that the prison had once been an eighth court that could have served as the Dusk Court.

Maas leans into dusk imagery each time Nesta visits. During one trip to the prison, she looks "to the purpling eastern sky. To the first star of evening. To the darkness, the night growing beyond it."

She also sees that the prison is along "that northern horizon, stained with a dazzling blend of encroaching night and lingering day."

It also appears that Nesta and Rhysand may share a connection to the prison. When Nesta tries to winnow to the island, she almost drowns and sees something "glimmering" on the floor below, believing it is calling, "Find me," to her. Rhysand saves her, telling Nesta he heard her mentally scream, "Find me," to him.

It's possible Nesta was confused and shouting out mentally for aid, but it's also possible Nesta and Rhysand were being beckoned by the same Made object. Rhysand controls the prison through his bloodline, so it's plausible that a Made object associated with it is calling to them both.

In addition to the dusk imagery she associates with her, Maas also ties Nesta to the word "splintered," which appears in the novel's title. Nesta asks her house for guidance on her relationship with Cassian, and the house offers her a pile of splinters from a punching block she broke during her training. For Nesta, the demonstration is meaningful.

"The House couldn't have chosen a better symbol of where she and Cassian stood," she thinks to herself. "The training, the determination, the love that had grown between them — all shattering not due to some outside force, but because of her."

The splinters lead her to open up to Cassian about her feelings, but they also may indicate that "Splintered Harmony" in the title has a lot to do with Nesta and Cassian.

Other imagery

Nesta isn't the only character Maas associates with specific imagery throughout the book.

Maas repeatedly associates Elain with spring. Azriel describes Elain as "a whisper of spring" and "as lovely as a spring dawn." Lucien says she has a "floral scent," and she is seen tending flowers and decorating Nyx's naming ceremony with them in the book.

Maas also introduces the concept of Feyre and her son, Nyx, as a flash of silver in the night court.

Clotho made "a braided, silvery piece of fabric" for Feyre and Rhysand to use during Nyx's naming ceremony, telling Nesta it was one of a kind as she gave it to her to pass on to the High Lord and Lady. Later, when Lucien is dining at their home, he notices a tapestry Feyre has hung on the wall, saying his magical eye can see the silver thread moving in it.

During his chapter, Lucien also says his magic eye has shown him a silver aura around Feyre since the moment he met her, describing it as a "silvery brightness" that intensified as Feyre found love and joy at the Night Court.

Gwyn's power

During both passages in which Gwyn appears in the novel, she is singing, which seems significant given the musically themed titles of books six and seven in the "ACOTAR" series.

Maas gives indications that Gwyn's music may have magical properties.

Nesta notices that Gwyn's singing voice is more powerful than the voices of her fellow choir singers, saying, "Gwyn could have carried the entirety of the song herself, that mezzo-soprano voice so rich and resonant that it seemed to effortlessly burst from her."

Likewise, Azriel describes Gwyn's voice as "otherworldly" and "strange and yet familiar," adding that "starlight spilled down the steps, almost in answer to the song" as she sang.

Maas also seems to liken Gwyn to light, particularly when she's singing.

When Nesta watches Gwyn sing, she notes that she "shone" and seemed to "radiate light," thinking to herself that "the candlelight seemed to bend toward" her friend. Similarly, when Azriel sees Gwyn at the House of Wind, he describes her hair as "shining in the starlight," remarks on her "bright gaze," and notes that her eyes were lit by the stars above.

Similarities between Azriel and Gwyn

Throughout "ACOSH," Azriel describes himself as a monster because of his shadow-wielding abilities and talent at extracting information from enemies. He says he was often called a monster or a demon in his youth, and he came to think of himself that way.

"He was a monster — merely a creature," Azriel thinks of himself in the text. "Best left skulking in shadows. Most suited to collecting information through subterfuge or pain."

Other characters in "ACOTAR" have said people think of them as monsters, like Rhysand, but the only other character in "ACOSH" who seems to genuinely think of herself as monstrous is Gwyn.

In a chapter told from her perspective, Gwyn reveals that she has been avoiding training with the Valkyrie and the world outside the temple because she relished killing enemies during the Blood Rite. Her chapter ends with her thinking she hears Bryaxis laughing at her, "like it knew it wasn't the only monster down here."

Maas also highlights parallels between Azriel's and Gwyn's powers in "ACOSH."

Azriel talks about his Siphons, which help control his magic, repeatedly in the book. He notes that they are all "a cobalt bordering on turquoise," for a reason he has never known.

Later, Gwyn throws her Invoking Stone at Azriel when he startles her, which he says "glittered with turquoise fire." Gwyn's eyes are a similar shade, described as teal throughout Maas' works.

In addition to the similar coloring of the Siphons and the Invoking Stone, Azriel notes that the Stone has a similar magical feel, thinking he "never realized how much presence it seemed to have, like his Siphons, but wholly different," he said.

Azriel quickly returns the Stone to Gwyn after their brief interaction, but Maas may explore the similarities between the two down the line.

Parallels with Mor

At the end of "ACOSH," Elain begs Mor to take her with her to Vallahan, and Mor agrees, seeing that Elain needs space from Azriel, Lucien, and the Inner Circle to figure out what she wants.

It's not the first time Mor has helped an Archeron sister get some distance from a male causing her problems.

In "A Court of Mist and Fury," Mor whisks Feyre away from males twice. First, she rescues Feyre from the Spring Court after Tamlin traps her in his house. Later, Mor winnows Feyre to the cabin after she discovers that Rhysand had been keeping the fact that they were mates a secret.

She does the same for Nesta in "A Court of Silver Flames," winnowing Nesta to Emerie's home when she needs a break from Cassian. She brings Gwyn to the house, too, so Nesta has the support she needs during her turmoil.

For Feyre and Nesta, that time away allowed them to figure out how they felt about the males in their lives, positive or negative. Hopefully, Elain gets the same clarity from her space.

• I've sailed on many cruises and stopped at over 100 ports worldwide. There are a few I don't love.
• Richards Bay is only fun if you have an excursion booked, and Costa Maya is too touristy for me.
• The cruise crowds in Santorini, Greece, and Nassau, Bahamas, often leave me feeling overwhelmed.

I've taken more than 55 cruises and visited over 100 cruise ports all over the world.

Along the way, I've learned that some destinations are definitely worth exploring, while others can be unexpectedly disappointing.

As a destination-focused traveler, I rarely choose to stay on board when my ship is docked in port. Usually, I'm eager to disembark the ship, experience the local culture, and explore the area.

But after revisiting many of the same ports, I've also realized that certain destinations aren't always worth the hassle. While some offer beautiful beaches, historic landmarks, and bucket-list excursions, others can feel crowded, touristy, or difficult to navigate.

Although these ports can still be enjoyable with the right planning and expectations, I'm often happier staying on board to take advantage of the ship's amenities.

Here are five cruise ports where I'd rather stay on the ship than venture ashore.

Costa Maya, Mexico

Costa Maya is one of the few ports I'll almost always skip because it feels overly commercialized.

The entire terminal was built specifically for tourists and cruise passengers and is packed with souvenir shops, restaurants, swimming pools, wildlife encounters, a swim-up bar, and live entertainment.

Although many travelers enjoy this convenience, the port feels highly manufactured to me and resembles an outdoor shopping mall more than an authentic Mexican experience.

Additionally, I've found the isolated port doesn't have much to do nearby unless you've arranged transportation or booked an excursion.

However, Costa Maya can still be worthwhile with some planning. A short taxi ride away is Mahahual, which is a popular beach town with restaurants and beach clubs.

If you want to venture farther from the port, consider booking an excursion to the Mayan ruins for a cultural experience or snorkeling along the biodiverse Mesoamerican Barrier Reef.

Nassau, Bahamas

Nassau is another port where I'm very likely to stay on the ship.

In fact, I sailed to Nassau last year aboard Utopia of the Seas and skipped the port entirely. Instead, my husband and I stayed on board and enjoyed the ship's pools, restaurants, and activities without the usual crowds.

Although you can reach popular beaches and resorts from the port, the area outside the cruise terminal can feel overwhelming. Although the terminal's recent renovations have improved the port experience, persistent vendors still remain immediately outside the gated area.

And on especially busy days, six or so cruise ships can dock at once, which makes the port feel even more crowded.

However, Nassau can be a positive experience if you've got the right plans in place. For instance, I've used ResortPass to spend the day at nearby hotels and had a much better experience than just walking around the port.

You can also book excursions to nearby beaches, Blue Lagoon Island, or other resort properties for a more relaxing day.

Santorini, Greece

Santorini is undeniably beautiful, which makes it a bucket-list destination for many. Unfortunately, the island's popularity is also part of the problem.

With thousands of passengers regularly arriving from multiple cruise ships, visiting the small Greek island can be stressful.

Cruise ships anchor offshore in Santorini, so passengers will typically tender into the port below Fira. From there, visitors can take a cable car, climb hundreds of steps, or arrange another way to reach the top of the island.

With several ships often visiting the island at the same time, lines for the cable car can become quite long. Getting around Santorini can also be difficult because of its narrow roads, heavy traffic, and crowds filling the streets of popular villages such as Oia and Fira.

The island is absolutely worth visiting, but you should prepare for some logistical challenges and set realistic expectations. If you want to maximize your time in Santorini, I recommend booking an excursion in advance instead of exploring independently.

An organized tour can help you avoid long cable-car lines, simplify transportation, and ensure you return to the ship on time.

Richards Bay, South Africa

During a cruise around South Africa, our ship docked in Richards Bay, which is one of the most unusual cruise ports I've ever visited.

Although Richards Bay is an important industrial port and major coal-exporting hub, it isn't necessarily designed with cruise passengers in mind.

During my visit, we disembarked at a gravel parking lot with no passenger facilities. By the end of the day, our cruise ship was also covered in soot and dust, which was unlike anything I had experienced before!

Without a planned excursion, there isn't much to do near the port, and the industrial setting can feel disappointing. But for travelers interested in wildlife, Richards Bay can be a worthwhile gateway to nearby South African reserves.

Because I researched the area ahead of time, I booked a game-drive excursion to Hluhluwe—iMfolozi Park, which is about 90 minutes from the port.

Seeing elephants in the wild was an unforgettable experience, and one that I would have missed if I had just stayed near the ship.

Freeport, Grand Bahama Island

Finally, Freeport is another port I'm often tempted to skip.

The area around the cruise terminal is very industrial and unfortunately doesn't offer much within walking distance. Because of this, cruisers often need to arrange transportation or book an excursion to visit the island's main attractions.

I was disappointed by how rundown the port area felt, with very limited shopping and amenities. Not to mention, I found securing transportation from the terminal area to be confusing and expensive.

Although taxis are available, in my experience, many of them operate as shared vans with high prices. And arranging rides back to the ship from a remote beach can also be stressful.

If you want to make the most of your day in Freeport, it's best to prearrange transportation or book an excursion. Popular tours include beach getaways, snorkeling, glass-bottom boat tours, and animal encounters.

However, if I haven't booked a tour in Freeport, you'll find me on the ship instead.

• Route 66 is one of the US's most iconic highways, connecting Chicago to Santa Monica, California.
• However, when Interstate I-40 was built, many towns along Route 66 were forgotten.
• For Route 66's 100th birthday, I drove part of it. Its ghost towns stayed with me the most.

November 11 marks the 100th birthday of Route 66, the iconic American highway that runs from Chicago to California.

I grew up in St. Louis, right along the old route, so, in honor of the anniversary, I set out to drive part of it.

Along the way, I met people who've kept the road's legacy alive and their businesses afloat.

However, for every store that has survived, I was surprised to see even more motels, gas stations, and restaurants boarded up.

They stood as phantoms of a forgotten era. Their neon signs went dark long ago.

These are the ghost towns of Route 66 that stayed with me long after we'd left.

One of Route 66's most famous ghost towns: Glenrio.

Glenrio is one of the best-preserved ghost towns from the mid-1900s in the United States. It sits right along Route 66 and straddles the border between Texas and New Mexico.

The moment you exit the highway, a shattered Chevron station, lost to graffiti, greets you. It's the first sign of what once was here.

The town was never huge, peaking at 100 people.

Beginning in the early 1900s, it was a robust railroad community, with multiple grocery stores, a post office, and service stations.

Then, it became a haven for drivers fleeing the Dust Bowl and braving Route 66 through the desert.

Today, abandoned buildings dot the town.

The only sign of life was a man sitting in his truck at the abandoned gas pump, watching what I could only assume were very funny YouTube videos.

Crossing over the interstate, we arrived at the main stretch of Route 66 through Glenrio.

This was once a bustling corridor along the state line. Texas had lower gas prices than New Mexico, so stations were built on the Lone Star side of the border.

Joseph Brownlee opened this Texaco in 1950.

In the 1970s, Interstate 40 bypassed Route 66 and this town. Travelers stopped coming by, and virtually overnight, this town dried up.

What's left of it is overwhelmed in eerie silence. The former Texaco and the 1969 Pontiac Catalina out front sit unmoving, riddled with rust.

Brownlee's daughter is the only remaining resident of Glenrio. Her husband was killed during a robbery while working in the neighboring town. That's the 1969 Pontiac Catalina that he drove to work every day.

Brownlee also opened up the Brownlee Diner next door in 1952, serving burgers, fries, and milkshakes.

I could only imagine how cozy the chrome details and the small footprint of the diner would've felt after a long drive in the 1950s.

After a short stint as an antique and oddities shop, the diner permanently closed in the 1970s.

Right next door is what's left of the State Line motel, opened in 1955.

On one side, it reads "Last Stop in Texas." The verbiage added to the ominous feeling lingering in this place.

On the other side, the sign says "First Stop in Texas."

Texas had many dry counties at the time, but this part of New Mexico allowed alcohol. So the motels and bars were cleverly built on the New Mexico side of the border, and loads of folks came here to drink.

Just like the diner next door, the motel closed in the 1970s.

The abandoned motel has become a canvas for artists.

Nature was also overtaking the space.

Could a smoke shop save this town?

The only thing left standing in this town is a new smoke shop that opened in 2023.

Just like in the days of dry counties, it's on the border for a reason. Recreational marijuana is still illegal in Texas, but it's been legal in New Mexico, where the shop sits, since 2021.

The lively energy and the presence of people were disorienting after wandering the ghost town.

I asked Harrah, the shop's general manager, what it's like to work in a town that essentially doesn't exist.

"Time doesn't exist either here. Texas is in Central, and New Mexico is in Mountain [time]. So it's an hour difference depending on where you are. And then it's exit zero. So it's really just its own entity, its own energy, its own everything," she said.

Abandoned businesses dot Route 66 through Texas and New Mexico.

The ghost stations of Glenrio were far from the only boarded-up gas pumps we came across on our road trip down Route 66 from Amarillo, Texas, to Tucumcari, New Mexico.

The construction of the interstate hurt the economies of the other towns along this section of the old road, too.

This old Shell station in Vega, Texas, lay in ruins.

This station in Adrian, Texas, dates back to 1948.

The station was originally named Tommy's Cafe and Phillips 66.

The pumps are likely around 75 years old.

It soon became known as the Bent Door Cafe because it was constructed from a former WWII air strip control tower.

Tucumcari, New Mexico's rundown motels were the saddest of all.

When we finally arrived in Tucumcari, New Mexico, where we planned to stay the night, I thought the haunting, empty buildings along Route 66 were behind us. Tucumcari is, I figured, a much bigger town.

But I was wrong.

So many neon lights were dark here.

Motel after motel was overgrown with weeds, their pools long drained.

But unlike Glenrio, there are actually people left living in Tucumcari who've had to witness the change.

We met a lifetime resident who cruises Route 66 in his old car to reminisce.

At night, we were filming one of the town's last neon signs when a beautiful blue car drove by.

We flagged him down and met Rocky Chavez, a lifetime resident of Tucumcari. I joined him in his 1966 Chevy Impala, cruising down Route 66. Over the roar of his engine, he told me all about how the town used to be.

"Back in the heyday, this whole town was nothing but neon lights. It was so beautiful, every business was open. We had 2,000 motel rooms. We had 36 gas stations. We had like 32 restaurants," he said.

As we drove, he pointed out where old tire shops, theatres, steakhouses, drug stores, and banks had once glowed. They're all rundown lots now.

"There were almost 20,000 people at one time here. We had the railroad, the trucking companies, Levi Strauss used to be here," Chavez said. "Driving down this boulevard when I grew up here was so full of life. Now, you pass, and all the buildings are boarded up. There's nothing left."

On one hand, there's beauty in these buildings lost long ago.

There's something poetic about graffiti giving them new life and weeds transforming them once again.

The mere fact that they're still standing in any form means they haven't been forgotten.

They can't be. They're forceful reminders of this route through American history. And as I drove down Route 66, it felt like I was driving through a living museum.

But on the other hand, they tug at my heart.

I can't help but think about the family who spent their lives keeping these businesses open, only for them to fall into disrepair.

What would they think now? Would they, like Chavez, be quiet, lost in thought, as they speed by what little is left? Maybe in that way, they're cruel reminders of what was and likely will never be again.

I found hope in the businesses that have lived to see the 100th anniversary.

While those rusted-out hot rods and boarded-up buildings still haunt me, I have settled on a semblance of optimism as I think back on this road trip.

We came across so many people who are still fighting to keep this stretch of cement alive. And to each person I asked, "Why should people care about Route 66?"

One woman told me, "People think it's just a road, but it's not. It's the path to people.

And the more I drove, the more I realized she was right.

Soon, the dilapidated motels were replaced in my memory by the Chicago couple who run the coral-colored Blue Swallow Motel.

Rob Federico and his wife, Dawn, drove down Route 66 until they ran out of gas in Tucumcari. They bought the motorcourt in 2020. They welcomed me with open arms and a killer cup of coffee.

In the end, it was less about the ghost gas station in Tucumcari and more about Chavez, who'd picked up a weary journalist and given her the cruise of a lifetime.

• Google's AI chip business is turning into a TPU-shaped headache for Nvidia.
• A blockbuster deal with Oracle will put Google's TPUs inside another hyperscaler.
• Is the market underestimating the potential of Google's chip business?

Earlier this year, Nvidia CEO Jensen Huang downplayed the threat of other companies building competing AI chips, including Google.

"Without Anthropic, why would there be any TPU growth at all?" he said in an interview with podcaster Dwarkesh Patel, referring to Google's custom chips. "It's 100% Anthropic."

That is no longer the case.

On Tuesday, Google and Oracle announced a blockbuster deal that will see Google's TPUs, short for Tensor Processing Units, made available to Oracle cloud customers from next year. As the companies underscored in a joint announcement, it's the first time Google's TPUs have been offered on a hyperscaler's platform beyond its own.

Anthropic isn't the only one Nvidia should be worried about. OpenAI has a job listing for a software engineer to optimize its models for TPUs, and The Information reported Tuesday that OpenAI plans to buy TPUs from Google.

Meanwhile, several analysts have predicted Google's TPU business is about to explode as more companies hedge their bets with a multichip strategy — providing an opening for Google and others to further move onto Nvidia's turf.

Despite this, Nvidia's chip business still eclipses everyone else's, including Google, which is also a big customer of Nvidia's GPUs. Yet Google's AI chips, which the company began building more than a decade ago to power search and other products, might be poised for takeoff.

On Wednesday, during Google's third-quarter earnings call, chief financial officer Anat Ashkenazi said the company expects a "meaningful revenue ramp in 2027" in TPU sales.

Cloud chief Thomas Kurian also said on the call that TPU sales were a "meaningful contributor" to the company's Q3 financials.

In its IPO paperwork filed this week, Anthropic said it planned to spend $114.5 billion on Google compute between April 2026 and July 2033. While it didn't specify how much of that would go to TPUs specifically, it estimated spending between $125 billion and $150 billion on TPU capacity from Google and other providers.

In the same filing, Anthropic said it's also using Amazon's Trainium chips and AMD's GPUs, as well as chips from Nvidia and Google.

All told, this might be Nvidia's nightmare scenario coming true. If companies are increasingly using a multichip strategy, it could hamper Nvidia's pricing power.

Google declined to comment, and Nvidia and OpenAI did not respond to requests for comment.

TPU takeoff?

Google's TPU business may only be getting started.

In notes published this month, Japanese banking group Mizuho projected TPU revenue of $28 billion for 2026 and $67 billion in 2027. Mizuho said Google could see that number reach as high as $100 billion in 2028, while TD Cowen's John Blackledge projected it could reach $138 billion, accounting for 34% of Google Cloud's 2028 revenue.

That number is still dwarfed by Nvidia, which reported $96.2 billion in revenue in the previous quarter alone, and the market reacted with a shrug on Wednesday as its share price stayed flat.

Some analysts, though, think the market is underestimating Google, especially as more companies look to reduce their reliance on Nvidia's GPUs.

"We believe Google's TPU hardware business is emerging as a materially larger opportunity than what is currently reflected in consensus estimates," Mizuho analysts wrote in a note published October 18, adding that selling TPUs outright — rather than renting them from Google's own data centers — could ease Google's aggressive capex spending.

And even if that spending continues to soar — and right now, there are no signs the foot is coming off the accelerator — analysts at Bank of America said Google's cash-splashing looks "relatively efficient" compared to its peers, as TPUs continue to power the company's own AI efforts.

For Google, it's the payoff of a decade-plus investment in silicon that was originally designed to make Search smarter. It could also act as something of a buffer against damage to its core search business as AI agents eat Google's lunch, Mizuho also said this month.

Have something to share? Contact this reporter via email at hlangley@businessinsider.com or Signal at hughlangley.01. Use a personal email address and a non-work device; here's our guide to sharing information securely.

• "Liberty Biberty" is a much-hated new yellow puppet mascot for Liberty Mutual, appearing in ads.
• People are so riled up that there was a protest at its Boston HQ. Its organizer called the mascot "a disgusting little creature."
• But this kind of cheeky "hate" might actually work in Liberty's favor, an ad expert says.

On Sunday, a small crowd took to the streets of Boston to protest, holding signs, chanting, with one person even appearing in full costume and face paint. The protest took place in front of the Back Bay headquarters of insurance company Liberty Mutual. The protest was not against some sort of corporate malfeasance, political, or even a social justice issue.

They were protesting the existence of Liberty Biberty, the new fuzzy yellow mascot that appears in the insurance giant's TV ads.

People, for some reason, really hate the Liberty Biberty puppet.

There's a Facebook page with over 40,000 people devoted to hating it. There's TikToks. Reddit threads. I even saw a ghastly tattoo depicting the spherical character being fed into a meat grinder. John Oliver did a segment about it on HBO's "Last Week Tonight" recently.

The concept of the ads is surreal and self-referential. Liberty Biberty is a yellow puppet who has appeared in a few TV ads so far. In one, he appears on someone's car and tells them about the benefits of auto insurance, and then is carried off by a hawk. In another, he chats to a bored bartender, and then meets the aforementioned hunky actor prone to malapropisms.

Liberty Mutual is well aware of the, ahem, passionate response.

"We're encouraged by how strongly people are engaging with him, whether they love him or feel differently," Jenna Lebel, Liberty Mutual's chief marketing officer for US retail markets, told Business Insider. "We've been encouraged by the early results, including independent testing that shows Biberty performing above average on attention and brand attribution."

Insurance companies' advertising strategies for the last decade or more has been focused on a series of recognizable characters like Flo from Progressive, Jake from State Farm, and "Mayhem" from Allstate. Let us not forget the forefather of them all, the Geico gecko. Liberty Mutual has also had Doug and the LiMu Emu, as well as a hunky actor prone to malapropisms — hence "biberty." (Don't worry: Doug and the LiMu Emu are still active, Liberty Mutual's PR person assured me. Some complaints about Biberty were that people thought it had replaced the popular human/avian duo.)

Young people are watching less and less linear television, and so see fewer traditional ads, with one big exception: sports. Most of the people I talked to mentioned seeing the Liberty Biberty ads during baseball or football games, week after week.

The repeated exposure to the ads seems to be getting under people's skin.

"I think Liberty Bibberty is just a disgusting little creature," Connor Harvey, the organizer of the protest in Boston, told me. The 19 year old content creator from New Hampshire said that he considers himself a "sucker for weird advertising," but that the fluffy yellow orb seems to be intentional ragebait — purposely meant to be annoying.

"The new Biberty campaign has definitely sparked a conversation, with a wide range of reaction and opinion. We're listening to all of it," Lebel said.

Zach Johnson, 40, manages a machine shop in North Carolina and was inspired to start the Facebook group "Liberty Biberty Hate" after seeing the ad multiple times while watching TV with his wife one night. "It's a terrible mascot. Plus, they have more mascots than I can think of," he said.

The over-the-top hate towards the mascot is certainly a bit tongue in cheek; although some people may find it genuinely annoying, it's not offensive or tone deaf like the infamous Kendall Jenner Pepsi ad.

That means all that hate may actually be a good thing for Liberty Mutual.

"I think there's a real opportunity right now to jump in and have fun with this moment in a way that, frankly, a lot of brands would absolutely die for," said Simon Bruyn, ad industry vet and co-founder of the marketing strategy firm Significant.

"For that Gen Z and younger culture, who might be starting to get into insurance decisions, you suddenly have a very clean crossover into an internet nascent brand that feels like something you could really, really have fun with and play and own that idea of faux outrage," Bruyn said.

Harvey, the protest organizer, isn't in the market for home or auto insurance — for now. "I'm on my mom's insurance," he told me.