The credit-card market has quietly split in two, Atlantic argues in a new story: one offering generous benefits to wealthy Americans, the other offering expensive debt to the poor. Credit-card balances have reached an all-time high of $1.2 trillion, with serious delinquency rates climbing to their highest point since the Great Recession. "Transactors" pay off balances monthly and earn valuable rewards worth up to $3,000 annually in taxable income equivalent, while "revolvers" carry balances at a brutal 21.5% average APR. The poor subsidize the rich through two mechanisms: swipe fees that drive up retail prices by $1,700 annually for the average family, and late fees and interest charges that finance rewards programs. Interest revenue for credit-card companies has ballooned from $76 billion in 2020 to $170 billion in 2024. The economy now appears to be slowing down. High-income families are increasingly resembling working-class families in credit data, with three in five households earning over $80,000 annually carrying balances for more than a year. Card companies are now offering fewer cards to subprime borrowers, creating a troubling dilemma - while expensive credit cards are harmful, having no credit access might be worse. Bipartisan legislation now aims to cap interest rates and lower swipe fees.

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Microsoft is developing a new Windows 11 feature that will explain how hardware limitations affect PC performance. The latest preview builds include a hidden FAQ section in system settings that addresses GPU memory, system RAM, and OS version impacts. The feature, discovered by Windows observer "phantomofearth" in this week's Dev Channel build, requires manual activation. It provides specific recommendations for configurations like low RAM or GPUs with less than 4GB memory, and flags outdated Windows versions.

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The National Archives has released thousands of pages of declassified records related to the assassination of President John F. Kennedy in 1963. From a report: The records were posted to the National Archives' website, joining recently released records posted in 2023, 2022, 2021 and 2017-2018. "This release consists of approximately 80,000 pages of previously-classified records that will be published with no redactions," said the announcement from the Office of the Director of National Intelligence. "Additional documents withheld under court seal or for grand jury secrecy, and records subject to section 6103 of the Internal Revenue Code, must be unsealed before release." President Donald Trump signed an executive order on Jan. 23 directing the release of all remaining records related to the assassination, saying it was in the "public interest" to do so. Tuesday's initial release contained 1,123 records comprising 32,000 pages. A subsequent release on Tuesday night contained 1,059 records comprising 31,400 additional pages.

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