Recipe: This Super Bowl snack is scrumptious and easy to prepare

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With Super Bowl Sunday approaching, I’m on the lookout for a nosh that is scrumptious and easy to prepare. White cheddar cheese topped with wine-soaked cherries andherbs is the perfect answer.

The dried cherries need to soak in a mixture of wine, balsamic vinegar, olive oil, herbs de Provence and salt for 2 to 7 days in the fridge, so allow time for this little do-aheadchore.

White Cheddar with Wine-Soaked Dried Cherries and Herbs

Yield: Serves 4

INGREDIENTS

1/3 cup Merlot, or other dry red wine

2 tablespoons extra-virgin olive oil

1 tablespoon balsamic vinegar

1 teaspoon herbes de Provence

1/4 teaspoon kosher salt

2/3 cup dried cherries, half of amount coarsely chopped

8 ounces medium-sharp white cheddar cheese

For serving: sturdy crackers

DIRECTIONS

1. In medium glass or stain-resistant plastic container, combine the wine, oil, vinegar, herbes de Provence, and salt, whisking to dissolve salt. Add the cherries, cover and refrigerate for at least 2 days or up to 7 days, stirring occasionally. Bring the mixture to room temperature before serving.

2. Place cheese on a plate or small platter. Stir room temperature cherry mixture and spoon over and around the cheese. Serve with crackers on the side. Provide a knife.

Source: Adapted from “100 Perfect Pairings” by Jill Silverman Hough

Award-winning food writer Cathy Thomas has written three cookbooks, including “50 Best Plants on the Planet.” Follow her at CathyThomasCooks.com.

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AI therapy chatbots draw new oversight as suicides raise alarm

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By Shalina Chatlani, Stateline.org

Editor’s note: If you or someone you know needs help, the national suicide and crisis lifeline in the U.S. is available by calling or texting 988. There is also an online chat at 988lifeline.org.

States are passing laws to prevent artificially intelligent chatbots, such as ChatGPT, from being able to offer mental health advice to young users, following a trend of people harming themselves after seeking therapy from the AI programs.

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Chatbots might be able to offer resources, direct users to mental health practitioners or suggest coping strategies. But many mental health experts say that’s a fine line to walk, as vulnerable users in dire situations require care from a professional, someone who must adhere to laws and regulations around their practice.

“I have met some of the families who have really tragically lost their children following interactions that their kids had with chatbots that were designed, in some cases, to be extremely deceptive, if not manipulative, in encouraging kids to end their lives,” said Mitch Prinstein, senior science adviser at the American Psychological Association and an expert on technology and children’s mental health.

“So in such egregious situations, it’s clear that something’s not working right, and we need at least some guardrails to help in situations like that,” he said.

While chatbots have been around for decades, AI technology has become so sophisticated that users may feel like they’re talking to a human. The chatbots don’t have the capacity to offer true empathy or mental health advice like a licensed psychologist would, and they are by design agreeable — a potentially dangerous model for someone with suicidal ideations. Several young people have died by suicide following interactions with chatbots.

States have enacted a variety of laws to regulate the types of interactions chatbots can have with users. Illinois and Nevada have completely banned the use of AI for behavioral health. New York and Utah passed laws requiring chatbots to explicitly tell users that they are not human. New York’s law also directs chatbots to detect instances of potential self-harm and refer the user to crisis hotlines and other interventions.

More laws may be coming. California and Pennsylvania are among the states that might consider legislation to regulate AI therapy.

President Donald Trump has criticized state-by-state regulation of AI, saying it stymies innovation. In December, he signed an executive order that aims to support the United States’ “global AI dominance” by overriding state artificial intelligence laws and establishing a national framework.

Still, states are moving ahead. Before Trump’s executive order, Florida Republican Gov. Ron DeSantis last month proposed a “Citizen Bill of Rights For Artificial Intelligence” that, among many other things, would prohibit AI from being used for “licensed” therapy or mental health counseling and provide parental controls for minors who may be exposed to it.

“The rise of AI is the most significant economic and cultural shift occurring at the moment; denying the people the ability to channel these technologies in a productive way via self-government constitutes federal government overreach and lets technology companies run wild,” DeSantis wrote on social media platform X in November.

‘A false sense of intimacy’

At a U.S. Senate Judiciary Committee hearing last September, some parents shared their stories about their children’s deaths after ongoing interactions with an artificially intelligent chatbot.

Sewell Setzer III was 14 years old when he died by suicide in 2024 after becoming obsessed with a chatbot.

“Instead of preparing for high school milestones, Sewell spent his last months being manipulated and sexually groomed by chatbots designed by an AI company to seem human, to gain trust, and to keep children like him endlessly engaged by supplanting the actual human relationships in his life,” his mother, Megan Garcia, said during the hearing.

Another parent, Matthew Raine, testified about his son Adam, who died by suicide at age16 after talking for months with ChatGPT, a program owned by the company OpenAI.

“We’re convinced that Adam’s death was avoidable, and because we believe thousands of other teens who are using OpenAI could be in similar danger right now,” Raine said.

Prinstein, of the American Psychological Association, said that kids are especially vulnerable when it comes to AI chatbots.

“By agreeing with everything that kids say, it develops a false sense of intimacy and trust. That’s really concerning, because kids in particular are developing their brains. That approach is going to be unfairly attractive to kids in a way that may make them unable to use reason, judgment and restraints in the way that adults would likely use when interacting with a chatbot.”

The Federal Trade Commission in September launched an inquiry into seven companies making these AI-powered chatbots, questioning what efforts are in place to protect children.

“AI chatbots can effectively mimic human characteristics, emotions, and intentions, and generally are designed to communicate like a friend or confidant, which may prompt some users, especially children and teens, to trust and form relationships with chatbots,” the FTC said in its order.

Companies such as OpenAI have responded by saying that they are working with mental health experts to make their products safer and to limit chances of self-harm among its users.

“Working with mental health experts who have real-world clinical experience, we’ve taught the model to better recognize distress, de-escalate conversations, and guide people toward professional care when appropriate,” the company wrote in a statement last October.

Legislative efforts

With action at the federal level in limbo, efforts to regulate AI chatbots at the state level have had limited success.

Dr. John “Nick” Shumate, a psychiatrist at the Harvard University Beth Israel Deaconess Medical Center, and his colleagues reviewed legislation to regulate mental health-related artificial intelligence systems across all states between January 2022 and May 2025.

The review found 143 bills directly or indirectly related to AI and mental health regulation. As of May 2025, 11 states had enacted 20 laws that researchers found were meaningful, direct and explicit in the ways they attempted to regulate mental health interactions.

They concluded that legislative efforts tended to fall into four different buckets: professional oversight, harm prevention, patient autonomy and data governance.

“You saw safety laws for chatbots and companion AIs, especially around self-harm and suicide response,” Shumate said in an interview.

New York enacted one such law last year that requires AI chatbots to remind users every three hours that it is not a human. The law also requires the chatbot to detect the potential of self-harm.

“There’s no denying that in this country, we’re in a mental health crisis,” New York Democratic state Sen. Kristen Gonzalez, the law’s sponsor, said in an interview. “But the solution shouldn’t be to replace human support from licensed professionals with untrained AI chatbots that can leak sensitive information and can lead to broad outcomes.”

In Virginia, Democratic Del. Michelle Maldonado is preparing legislation for this year’s session that would put limits on what chatbots can communicate to users in a therapeutic setting.

“The federal level has been slow to pass things, slow to even create legislative language around things. So we have had no choice but to fill in that gap,” said Maldonado, a former technology lawyer.

She noted that states have passed privacy laws and restrictions on nonconsensual intimate images, licensing requirements and disclosure agreements.

New York Democratic state Sen. Andrew Gounardes, who sponsored a law regulating AI transparency, said he’s seen the growing influence of AI companies at the state level.

And that is concerning to him, he said, as states try to take on AI companies for issues ranging from mental health to misinformation and beyond.

“They are hiring former staffers to become public affairs officers. They are hiring lobbyists who know legislators to kind of get in with them. They’re hosting events, you know, by the Capitol, at political conferences, to try to build goodwill,” Gounardes said.

“These are the wealthiest, richest, biggest companies in the world,” he said. “And so we have to really not let up our guard for a moment against that type of concentrated power, money and influence.”

Stateline reporter Shalina Chatlani can be reached at schatlani@stateline.org.

©2026 States Newsroom. Visit at stateline.org. Distributed by Tribune Content Agency, LLC.

US stocks drift as gold’s price keeps ripping higher

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NEW YORK (AP) — The U.S. stock market is drifting around its record heights Thursday following mixed profit reports from Microsoft and some other of Wall Street’s most influential companies. The action was strongest again in the gold market, where the metal’s price keeps ripping higher in its astounding run.

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The S&P 500 edged up by less than 0.1% and was flirting with its all-time high set earlier this week. The Dow Jones Industrial Average was up 162 points, or 0.3%, as of 9:35 a.m. Eastern time, and the Nasdaq composite was 0.6% lower.

Microsoft sank 10.4% even though the tech giant reported stronger profit and revenue for the latest quarter than analysts expected. Investors honed in instead on how much Microsoft is spending on investments, whether growth in its Azure cloud business will slow and how long its push into artificial-intelligence will take to turn into big profits.

Helping to offset that was Meta Platforms, which rallied 8.6% after topping profit expectations, even though it also said it will continue its massive investments in AI.

Companies across the market are under pressure to deliver solid growth in profits following record-setting runs for their stock prices. Stock prices tend to follow the path of corporate profits over the long term, and earnings need to rise to quiet criticism that stock prices have grown too expensive.

Tesla ’s profit report got a mixed reaction from investors. It swung from an initial gain to a dip of 0.7% after delivering a bigger profit than analysts expected, one that was sharply lower than from a year earlier. Tesla’s leader, Elon Musk, has been urging investors to focus less on its flagging car sales and more on the company’s robotaxis and robots.

IBM was a winner and rallied 7.1% after surpassing analysts’ expectations for profit and revenue. Southwest Airlines flew 9.7% higher even though its profit fell short of forecasts. It gave a forecast for earnings in 2026 that blew past analysts’ expectations, saying it’s seeing strong momentum after making big changes to its business like charging baggage fees and having assigned seating.

On the losing end of Wall Street was ServiceNow, which dropped 9.2% even though it reported a stronger profit for the latest quarter than expected. Analysts praised the performance, but it wasn’t enough to stop a slide for the stock that’s been underway since the summer.

Some of the wildest action in financial markets was again for precious metals, as gold’s price rallied another 4.5% to $5,579.00 per ounce. It was only on Monday that it topped $5,000 for the first time. Gold’s price is up more than 25% for the young year so far and has roughly doubled over the last 12 months.

Its price has surged as investors look for safer things to own while weighing a wide range risks, including a U.S. stock market that critics call expensive, political instability, threats of tariffs and heavy debt loads for governments worldwide.

The U.S. dollar has seen its value sink over the last year because of many of those same risks, and it slipped a bit more Thursday against the euro, British pound, Japanese yen, Swiss franc and other competitors.

U.S. Treasury yields held a bit firmer in the bond market, though. The yield on the 10-year Treasury held at 4.26%, where it was late Wednesday.

The Federal Reserve decided Wednesday to at least pause cuts to its main interest rate. That was after the Fed cut rates three times in a row to close out 2025 in an attempt to shore up the job market.

Helping to keep the Fed on pause is the fact that inflation remains stubbornly above the central bank’s 2% target. Lower rates can worsen inflation.

They could also further undercut the U.S. dollar’s value, which would help U.S. exporters. Trump has been pushing aggressively for lower rates.

In stock markets abroad, indexes rose across much of Europe and Asia.

South Korea’s Kospi climbed 1% for one of the world’s bigger moves, lifted to another record in part by chipmaker SK Hynix.

AP Business Writers Yuri Kageyama and Matt Ott contributed.

4 ways to relaunch your finances in 2026

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The investing information provided on this page is for educational purposes only. NerdWallet, Inc. does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks, securities or other investments.

January offers a fresh start for our finances — but it begins with a look back.

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Before setting goals or intentions for the new year, step back to reflect on what went right (and wrong) in 2025, suggests D’Andre Clayton, co-founder of Clayton Financial Solutions in Greensboro, North Carolina.

“Take out your credit card and bank statements, and really take a look at them,” he says.

Do you like what you see? How much went toward online shopping? Which spending categories are in need of a detox?

You can use past actions to inform and improve your financial situation going forward.

Here are some additional ways to set yourself up for a successful financial reset.

1. Reflect, but don’t dwell

Explore why spending was higher than anticipated or savings fell short.

“Was there a cash flow issue? Did you not get paid as much as you thought? Or is it lifestyle creep, and we’re just spending more and more over time? Or was there a one-off event?” asks Dwayne Reinike, a certified financial planner (CFP) and founder of Valiant Financial Planning in Kirkland, Washington.

The answers to those questions can impact what changes you make going forward, but Reinike warns against getting sidetracked with regret.

Treat January like a fresh start, he says. “If we didn’t save enough, instead of regretting that, let’s reset the plan and ask, what will it take to save that amount now?”

2. Break big goals into small steps

If you have a big financial goal — like saving more in your retirement account or building an emergency fund — break it into smaller, “bite-size” milestones, Reinike says.

“Looking at the big picture can be overwhelming, so break it into short-term sprints. You get to the finish line much quicker and get a dopamine hit of success of seeing a goal accomplished, like paying off one credit card,” he says.

For example, you can break your goal of saving more for retirement into achievable steps. The first can be to simply open a new retirement account. Next, set up automatic transfers each month. After that, increase your contribution by a little.

Achieving one small goal can give you motivation to keep going, he adds.

If your goal is to create an emergency fund, the smaller steps could include creating a new budget, cutting back on non-essentials to free up cash and then directing that money into a high-yield savings account.

3. Aggressively pay off debt

For many consumers, paying off debt is a top priority, and it often requires a multi-pronged strategy.

“The trouble that people get into is that they accumulate some debt, and it snowballs to so much debt that they don’t know what to do,” says Kirk Reagan, a CFP and founder of High Flight Financial in Dallas.

That’s why he suggests creating a plan so you commit to paying off that debt as soon as possible. First, calculate your total debt. Then pay it down using either the snowball method — where you pay off the smallest amount of debt first — or the avalanche method — where you pay off the debt with the highest interest rate first.

To stick to that plan, Reagan suggests scaling back spending on categories like take-out, extra coffees and online orders. You might even want to share your plan with friends so they can help keep you on track with positive encouragement.

4. Embrace new saving and earning habits

The new year can also be a time to adopt frugal habits and hobbies. You could find free workouts on YouTube instead of paying for a subscription service, learn to cook new dishes at home, or host a game night with friends over going out, Clayton suggests.

“Look for activities that don’t cost as much, like hiking, going for a walk, visiting art museums or other free experiences in your area,” he says.

In addition, take some time to check financial statements for errors, review subscriptions that you no longer need, and shop around for auto and home insurance to see if you can find a better deal, says Kevin Estes, CFP and founder of Scaled Finance, LLC in the Seattle area.

If you have a partner, then one new habit could also be meeting to review your overall net worth, budget and savings goals for the year, he adds. “My wife and I watch football and update our net worth,” he says.

And don’t rule out increasing your income. “If you’ve got a side hustle or you’ve got a job where you can work overtime, January is a great time to do it,” Reagan says.

That extra cash can go toward savings, debt payments or another big financial goal.

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Kimberly Palmer writes for NerdWallet. Email: kpalmer@nerdwallet.com. Twitter: @kimberlypalmer.