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After rising steadily since January, are home prices turning lower again?

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In January 2021, the average cost for a 30-year, fixed-rate mortgage in the U.S. was below 3%, it now sits above 7%.

 
Americans can’t afford homes, investors aren’t buying property, and economists see little relief ahead.

All this as surging mortgage rates and near-record home values have sparked an ‘affordability crisis.’

So, is the U.S. housing market stuck?

Ben Reinberg, the Founder & CEO of Alliance Consolidated Group of Companies, LLC. joins Veronica Dudo to discuss.
#housingmarket #homebuyer #economy #money #finance #firsttimehomebuyer

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Deepfakes leveled up in 2025 – here’s what’s coming next

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Deepfakes leveled up in 2025 – here’s what’s coming next

AI image and video generators now produce fully lifelike content.
AI-generated image by Siwei Lyu using Google Gemini 3

Siwei Lyu, University at Buffalo

Over the course of 2025, deepfakes improved dramatically. AI-generated faces, voices and full-body performances that mimic real people increased in quality far beyond what even many experts expected would be the case just a few years ago. They were also increasingly used to deceive people.

For many everyday scenarios — especially low-resolution video calls and media shared on social media platforms — their realism is now high enough to reliably fool nonexpert viewers. In practical terms, synthetic media have become indistinguishable from authentic recordings for ordinary people and, in some cases, even for institutions.

And this surge is not limited to quality. The volume of deepfakes has grown explosively: Cybersecurity firm DeepStrike estimates an increase from roughly 500,000 online deepfakes in 2023 to about 8 million in 2025, with annual growth nearing 900%.

I’m a computer scientist who researches deepfakes and other synthetic media. From my vantage point, I see that the situation is likely to get worse in 2026 as deepfakes become synthetic performers capable of reacting to people in real time.

Just about anyone can now make a deepfake video.

Dramatic improvements

Several technical shifts underlie this dramatic escalation. First, video realism made a significant leap thanks to video generation models designed specifically to maintain temporal consistency. These models produce videos that have coherent motion, consistent identities of the people portrayed, and content that makes sense from one frame to the next. The models disentangle the information related to representing a person’s identity from the information about motion so that the same motion can be mapped to different identities, or the same identity can have multiple types of motions.

These models produce stable, coherent faces without the flicker, warping, or structural distortions around the eyes and jawline that once served as reliable forensic evidence of deepfakes.

Second, voice cloning has crossed what I would call the “indistinguishable threshold.” A few seconds of audio now suffice to generate a convincing clone – complete with natural intonation, rhythm, emphasis, emotion, pauses, and breathing noise. This capability is already fueling large-scale fraud. Some major retailers report receiving over 1,000 AI-generated scam calls per day. The perceptual tells that once gave away synthetic voices have largely disappeared.

Third, consumer tools have pushed the technical barrier almost to zero. Upgrades from OpenAI’s Sora 2 and Google’s Veo 3, and a wave of startups mean that anyone can describe an idea, let a large language model such as OpenAI’s ChatGPT or Google’s Gemini draft a script, and generate polished audio-visual media in minutes. AI agents can automate the entire process. The capacity to generate coherent, storyline-driven deepfakes at a large scale has effectively been democratized.

This combination of surging quantity and personas that are nearly indistinguishable from real humans creates serious challenges for detecting deepfakes, especially in a media environment where people’s attention is fragmented and content moves faster than it can be verified. There has already been real-world harm – from misinformation to targeted harassment and financial scams – enabled by deepfakes that spread before people have a chance to realize what’s happening.

AI researcher Hany Farid explains how deepfakes work and how good they’re getting.

The future is real-time

Looking forward, the trajectory for next year is clear: Deepfakes are moving toward real-time synthesis that can produce videos that closely resemble the nuances of a human’s appearance, making it easier for them to evade detection systems. The frontier is shifting from static visual realism to temporal and behavioral coherence: models that generate live or near-live content rather than pre-rendered clips.

Identity modeling is converging into unified systems that capture not just how a person looks, but how they move, sound, and speak across contexts. The result goes beyond “this resembles person X,” to “this behaves like person X over time.” I expect entire video-call participants to be synthesized in real time; interactive AI-driven actors whose faces, voices and mannerisms adapt instantly to a prompt; and scammers deploying responsive avatars rather than fixed videos.

As these capabilities mature, the perceptual gap between synthetic and authentic human media will continue to narrow. The meaningful line of defense will shift away from human judgment. Instead, it will depend on infrastructure-level protections. These include secure provenance, such as media signed cryptographically, and AI content tools that use the Coalition for Content Provenance and Authenticity specifications. It will also depend on multimodal forensic tools such as my lab’s Deepfake-o-Meter.

Simply looking harder at pixels will no longer be adequate.The Conversation

Siwei Lyu, Professor of Computer Science and Engineering; Director, UB Media Forensic Lab, University at Buffalo

This article is republished from The Conversation under a Creative Commons license. Read the original article.

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Tech

Italy orders Meta to open WhatsApp to AI competitors

Italy orders Meta to allow rival AI chatbots on WhatsApp amid regulatory battle over market dominance

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Italy orders Meta to allow rival AI chatbots on WhatsApp amid regulatory battle over market dominance

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In Short:
– Italy’s antitrust authority requires Meta to allow access to rival AI chatbots on WhatsApp during an investigation.
– Meta plans to appeal the ruling, claiming it disrupts their system and questioning WhatsApp’s role as an AI service platform.

Italy’s antitrust authority has ordered Meta to allow competing AI chatbots access to WhatsApp, suspending rules that blocked rivals. The decision comes amid concerns that Meta’s policies could limit competition and harm consumers in the rapidly growing AI services market. Meta plans to appeal, calling the ruling “fundamentally flawed” and arguing that WhatsApp wasn’t designed to support third-party AI chatbots.

The Italian Competition Authority began investigating Meta after its March 2025 launch of Meta AI on WhatsApp, later expanding the probe to cover updated business terms that excluded rival AI providers, such as ChatGPT, Microsoft Copilot, and Perplexity. The European Commission has launched a parallel investigation, highlighting growing regulatory scrutiny on tech giants in Europe.

Europe’s stricter stance on Big Tech has sparked pushback from the industry and political figures in the U.S., including former President Donald Trump. Meta maintains that its Business API restrictions still allow AI for customer support and order tracking, but says general-purpose chatbot distribution falls outside its intended use.


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Politics

Nigeria disputes Trump’s genocide claims amid airstrikes

Nigeria dismisses Trump’s genocide claim, emphasising equal impact of violence on Muslims and Christians amid complex security crisis

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Nigeria dismisses Trump’s genocide claim, emphasising equal impact of violence on Muslims and Christians amid complex security crisis

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In Short:
– Nigerian officials refute Trump’s claims about U.S. airstrikes, emphasising that violence affects both Christians and Muslims equally.
– Data shows the narrative of Christian genocide in Nigeria misrepresents reality, with most victims having no tracked affiliations.

Nigeria has strongly rejected President Donald Trump’s claim that U.S. airstrikes in the country were necessary to stop a genocide targeting Christians. Nigerian officials insist the violence in northwestern Nigeria affects both Muslim and Christian communities and is driven by complex security and ethnic challenges rather than religion.

Foreign Minister Yusuf Tuggar told the BBC that the attacks are about “protecting Nigerians and innocent lives, whether Nigerian or non-Nigerian,” emphasizing that the strikes, which targeted ISIS-affiliated militants in Sokoto State on Christmas Day, were part of broader efforts to combat terrorism. Trump had claimed that militants were primarily killing Christians at “levels not seen for many years, and even centuries,” but Nigerian authorities reject this characterization.

Data from the Armed Conflict Location & Event Data Project shows that more Muslims than Christians have been killed in targeted attacks between January 2020 and September 2025, casting doubt on claims of a systematic Christian genocide. Bulama Bukarti, a Nigerian human rights advocate, highlighted that in Sokoto State, attacks such as suicide bombings often kill civilians indiscriminately, impacting both Muslim and Christian populations.

Security crisis

Analysts stress that Nigeria’s security crisis is multifaceted, involving extremist groups like Boko Haram, Islamic State West Africa Province, and others, as well as longstanding ethnic and resource-based conflicts between predominantly Muslim herders and Christian farming communities. Bishop Matthew Hassan Kukah, who leads a diocese in the affected area, also confirmed that the region “does not have a problem with persecution” of Christians.

The Nigerian Ministry of Foreign Affairs reiterated that terrorist violence against any community is unacceptable and that the government remains committed to protecting all Nigerians, regardless of religion. Officials warn that framing the crisis through a simplistic religious lens risks deepening sectarian divisions and undermining local efforts to address the broader security threats.


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