个性化定制： 支持通过修改代码自由调整颜色、排版、增加关键字、以及动画交互效果 ， 让 你轻松实现自己的创意想法 ！ P.S. 用同样的方法，还能做 退休倒计时 ， 财富自由计算器 等小工具！现在就去试试吧，自己"码"出来的工具总是成就感爆棚的~ 最近，一款能实时跳动、精确到秒的工资计算器刷爆了朋友圈！不少打工人表示 "看着数字一点点涨，上班都有动力了！" 你是不是也心痒痒想拥有同 款？ 别急，今天教你用 讯飞星火 3分钟做出更智能的专属版本，而且完全免费！ 打开 讯飞星火 ，输入这段神奇指令： "请生成一个带实时计算功能的工资计算器HTML页面，要求： ✅可输入月薪和每日工作时间 ✅上班/下班按钮控制计时 ✅实时显示累计工时和工资金额 ✅数字要有滚动动画效果 将生成的代码复制到TXT文本，文件后缀保存为".html"格式 双击文件，你的专属计算器就诞生啦！点击"上班"按钮立即开始实时计时，数字会随着工作时间跳动增长，下班一键结算~ ...

Core Viewpoint - The event aims to promote the deep integration of cultural tourism and foreign trade in Guangzhou, contributing to the city's development as an international consumption center [1][2]. Group 1: Financial Initiatives - The "Golden Enterprise Project" has achieved significant results over the past three years, focusing on enhancing financial literacy and resilience among small and micro enterprises in the cultural tourism sector [1]. - The project will include financial education activities to optimize inbound payment environments and improve payment convenience for businesses [1]. - The Guangzhou Financial Office plans to channel more financial resources into key industries and areas, supporting the construction of a modern industrial system [2]. Group 2: Support for Small and Micro Enterprises - The "Golden Enterprise Project - Visa Promoting Cultural Tourism Consumption" will be implemented in 2025, focusing on enhancing payment services for small and micro enterprises in the trade and tourism sectors [2]. - The project aims to boost cultural tourism consumption and the recovery of the inbound tourism market through financial education [2]. Group 3: Challenges and Solutions for Foreign Trade - The challenges faced by foreign trade enterprises under the new US-China tariff situation were analyzed, with a focus on high industry concentration and low added value [3]. - A "multi-chain integration" solution was proposed, utilizing supply chain finance, cross-border payments, and exchange rate risk management to enhance trade collaboration [3]. - The importance of financial innovation in conjunction with technological innovation and policy support was emphasized to help enterprises improve their bargaining power and expand into new markets [3].

Group 1: Monetary Policy Overview - Monetary policy is a core macroeconomic tool that directly affects market liquidity, credit costs, and economic structure [1] - Interest rates and quantitative easing (QE) are the two key methods used by central banks to adjust the economy [1] Group 2: Interest Rate Tools - Interest rate tools influence economic behavior by adjusting funding costs, primarily including benchmark interest rates, reserve requirements, and discount rates [11] - The mechanism involves a transmission path where a decrease in benchmark interest rates leads to lower bank loan rates, reduced corporate financing costs, and increased investment and consumption [1][11] - In 2024, the Federal Reserve raised interest rates to 5.5% to combat high inflation by increasing borrowing costs to suppress demand [3] - In 2025, the People's Bank of China lowered interest rates by 0.6 percentage points to support financing for the real economy [4] - Advantages of interest rate tools include direct transmission and quick effects, while limitations include the zero lower bound (ZLB) constraint, which cannot address deep deflation [5] Group 3: Unconventional Liquidity Injection - When interest rates approach zero, central banks inject liquidity into the market by purchasing long-term bonds and other assets, with tools including asset purchase programs and credit facilities [6] - The mechanism involves expanding the central bank's balance sheet, increasing base money, enhancing banking system liquidity, and promoting credit expansion [8] - Advantages include breaking the zero interest rate constraint and directly increasing liquidity, while risks may include potential asset bubbles and uncontrolled inflation [12] Group 4: Coordination of Interest Rates and QE - In normal times, interest rate tools are primarily used for precise adjustments, while in crisis periods, QE and interest rate tools work together as a "dual easing" combination [13][14] - Interest rate tools typically show faster transmission effects (1-3 months) compared to QE (6-12 months) [15] - Interest rate tools cover the entire market, while QE focuses on specific sectors, with potential side effects including exchange rate volatility and increased wealth inequality [15][16] Group 5: Future Trends and Challenges - Innovations in interest rate tools include negative interest rate policies attempted in the Eurozone and Japan, though their effectiveness remains uncertain [18] - The challenge of exiting QE is highlighted by the Federal Reserve's 2017 balance sheet reduction, which led to rising U.S. Treasury yields and increased market volatility [20] - The integration of digital currencies may enhance the direct impact of interest rate policies and allow for more precise liquidity control through blockchain technology [22][23] Group 6: Summary of Policy Roles - Interest rates serve as the "steering wheel" determining the direction of funding costs, suitable for regular adjustments [24] - QE acts as the "accelerator/brake," modulating economic momentum through liquidity scale adjustments in extreme situations [25] - The principle of coordination suggests prioritizing interest rates while using QE as a safety net, with a gradual exit strategy to avoid market turmoil [26]

编译 | Tina 微软一开源，Cursor 和 Windsurf 瞬间就不香了，AI 编码工具的牌桌重新洗牌。 在昨晚举行的 Build 2025 开发者大会上，微软正式宣布 GitHub Copilot Extension for VSCode 项目开源，并采用 MIT 许可证。这一举措标志着全球开发 者将能够免费访问这一先进 AI 编程助手的完整源代码，并参与其功能的持续改进与优化。 微软为开源 Copilot 给出了几条核心理由，解释为何此刻是合适的转折点： 一是大模型能力提升，提示策略不再构成壁垒。随着大语言模型性能的显著增强，许多此前依赖复杂"提示工程"才能实现的功能，如今已成为模型基础能 力的一部分。微软指出，这使得"独家秘方"式的提示策略重要性下降，为开源创造了条件。 二是目前最受欢迎且高效的 AI 交互体验设计已在各类编辑器中趋于统一，微软希望通过将这些通用 UI 组件开放在一个稳定的代码库中，赋能社区对其 进一步打磨和扩展。 三是围绕 VS Code 的开源 AI 工具与扩展生态正在逐步成熟。微软希望为扩展开发者提供更好的构建、调试和测试体验，而在当前 Copilot Chat 扩展未 开 ...

A股回购增持贷款规模突破1200亿元，这一金融工具正发挥着重要作用。Wind数据显示，截至5月19 日，共有622家上市公司或重要股东获得回购增持贷款，总金额约1207.55亿元，占首期3000亿元额度的 40.25%。 回购增持贷款源于2024年10月中国人民银行、国家金融监管总局、中国证监会联合发布的政策，设立了 首期3000亿元、年利率1.75%的再贷款。这一工具为上市公司及重要股东提供低成本资金支持，帮助实 施回购和增持计划。 回购增持贷款政策近期再获提升。5月7日，央行宣布将证券、基金、保险公司互换便利5000亿元和股票 回购增持再贷款3000亿元额度合并使用，总额度达8000亿元。同时下调结构性货币政策工具利率0.25个 百分点，各类专项结构性货币政策工具利率降至1.5%。 目前，金融机构发放股票回购增持贷款利率约为2%，低于上市公司平均股息率水平。这使得企业通过 低成本融资回购股票可赚取利差，直接增厚每股收益。 上市公司回购股份能推动股价上涨，提升公司市值。回购行为增加资金流入，提高市场活跃度和流动 性，有利于资本市场健康发展。从回购用途看，部分公司回购用于注销，另一些用于员工持股计划或股 权激 ...

Group 1 - The article discusses the resurgence of science fiction in popular culture, highlighting the return of series like "Black Mirror" and "Love, Death & Robots," which reflect the increasing relevance of sci-fi themes in contemporary society [1][15] - It emphasizes the concept of a technological singularity, where advancements in AI and other technologies could lead to a utopian society characterized by abundance and reduced need for work [3][10] - The article references Nick Bostrom's book "Deep Utopia," which explores three progressive future scenarios: post-scarcity, post-work, and post-instrumental eras, each representing different stages of societal evolution in response to technological advancements [4][10] Group 2 - The post-scarcity era is described as a time of material abundance where basic needs are easily met, drawing parallels to the myth of Cockaigne, a utopian land of plenty [6][8] - The post-work era envisions a future where automation eliminates the need for human labor, raising questions about the meaning of work and how society will adapt to reduced employment opportunities [10][11] - The post-instrumental era suggests a world where human effort is no longer required to achieve desires, leading to a potential shift in societal values and the concept of personal achievement [12][13] Group 3 - The article raises critical questions about the implications of advanced technology on human purpose and meaning, particularly in a future where work may no longer be necessary [17][19] - It highlights the need for society to redefine concepts of work and learning in light of these technological advancements, suggesting a potential shift towards leisure and community engagement [11][14] - Bostrom's work is positioned as a philosophical exploration of these themes, encouraging readers to consider the future of humanity in a world dominated by superintelligent AI [15][17]

Core Insights - Zhao Zengquan, a chief technician at China National Petroleum Corporation, has developed innovative tools to address challenges in oil extraction and pipe maintenance, significantly improving operational efficiency [2][3][5] - The "pumpable recyclable casing inner wall rust removal tool" and "turbine negative pressure local reverse circulation milling tool" are key inventions that have enhanced the safety and efficiency of oil well operations [2][3][4] Group 1: Innovations and Tools - The "pumpable recyclable casing inner wall rust removal tool" utilizes a closed-loop system to remove rust from oil pipes, achieving a 75% increase in efficiency and a 50% reduction in labor input compared to traditional methods [3][5] - The "turbine negative pressure local reverse circulation milling tool" improves the removal of debris and blockages in complex wells, achieving a 100% success rate in field applications and saving over 6 million yuan per single well maintenance [5][4] Group 2: Industry Challenges - Rust on oil pipes has been identified as a major cause of accidents in oil extraction, accounting for over 60% of engineering incident triggers [2][3] - Traditional rust removal methods are labor-intensive and inefficient, leading to safety risks and operational delays [2][3] Group 3: Achievements and Recognition - Zhao Zengquan has led a team that has obtained 39 national invention patents and 49 utility model patents, addressing 109 production challenges since the establishment of the expert studio in 2018 [5][6] - In 2025, Zhao was recognized as a national labor model for his contributions to the industry [2]

Core Viewpoint - The Federal Reserve should strengthen its mechanisms for controlling interest rates to more effectively prevent spikes in money market rates during periods of market stress [1] Group 1 - Dallas Fed President Logan emphasizes the need for more banks to utilize the discount window and to centralize operations of the Standing Repo Facility (SRF) [1] - Logan suggests that the Federal Reserve should pay attention to broader market interest rates, not just the federal funds rate [1] - According to Logan, interest rate control involves maintaining the federal funds rate within the target range, but it should encompass a wider perspective on market rates [1]

呼吁美联储加强（那些）利率控制工具。 美国达拉斯联储主席Logan：美国国债与货币市场表现强劲，但也并非"无懈可击"。 非银机构在美国国债交易中的杠杆问题引发人们的担忧。 那些形势健康的银行机构使用贴现窗是适宜的。 ...

笔记工具并不是一个传统意义上的热门投资赛道，在 Google Keep、Apple Notes、OneNote、Evernote 之外，只有 Notion 冲出了重围。 剩下的还有 Obsidian 、Logseq 等新兴的笔记工具在卷双链。 进群后，你有机会得到： 01 工具是人脑 处理 信息的一种「外化」 Q：「思维工具」是技术发展赋予人类的宝贵财富。当我们第一次聊天时，你对如何为人们解锁价值的 思考方式让我非常着迷，你还提到 x-y 坐标图是一个很好的例子。能否就此展开，分享你对其感兴趣的 缘由？ Granola 是如何在一众 AI 笔记产品中打出差异化的？创始人 Chris Pedregal 在接受著名科技播客 「Colossus」的深度访谈时提到，Granola 不仅仅是一个简单的会议转录工具，其核心关键在于「非常 个人化」并赋予用户极致的「控制权」，它是一个超越简单记录、能够深度融入并赋能用户工作流程的 「思考空间」。AI 的真正价值在于成为下一代强大的「思维工具」，以前所未有的方式增强和拓展人 类的能力。 在此次访谈中，Chris Pedregal 还分享了许多有意思、且值得深思的观点： 对于思 ...