Popular Direct is an online-only division offered by New York-based Popular Bank, the U.S. banking subsidiary of Popular, Inc., which is a publicly traded, full-service bank and is one of the 50 largest U.S. banks by assets.

In its earnings report on Monday, Chegg said that the impact of ChatGPT started two months ago.

In the first part of the year, we saw no noticeable impact from ChatGPT on our new account growth and we were meeting expectations on new sign-ups, Chegg CEO Dan Rosensweig said during the companys earnings call Monday. However, since March we saw a significant spike in student interest in ChatGPT. We now believe its having an impact on our new customer growth rate.

The company reported a 7% year-over-year drop in its first quarter revenue and withdrew its full-year earnings guidance. For the current quarter, Chegg predicted revenue of $175 million to $178 million, falling well short of FactSets analyst estimates of $193.6 million.

On the bright side, Rosensweig noted that Chegg had a high customer retention rate among students, which could draw more students to its platform in the subsequent quarters. The company offers services like online tutoring, proofreading, and study tools.

But investors are still pessimistic about Chegg in the chatbot era. Its shares tumbled $8.70 to $8.95 in mid-day trading on Tuesday,

On Tuesday, financial services company Jefferies downgraded Chegg because of how A.I. headwinds could affect the edtech companys fundamental story. Despite being popular among students, Chegg may still not be able to keep up with the viral nature of ChatGPT-like tools, according to Jefferies analysts. 

While retention rates of CHGGs existing customers remain strong now, we fear that student usage of A.I. tools like ChatGPT could cause a viral sensation around campus (just like CHGG had benefited from), which could increase churn in the coming quarters, Jefferies analysts wrote in a Tuesday note, using Cheggs stock ticker. 

The investment bank also worries that with the growing popularity of some A.I. services, Cheggs core offering could become extinct as consumers experiment with free A.I. tools. In other words, students could opt for ChatGPT or similar A.I. tools to supplement their study rather than using Cheggs paid services that cost roughly $20 monthly.

In an effort to compete, Chegg has embraced A.I. by collaborating with the same company causing the slowdown in its customer growthOpenAI. Through a service called CheggMate announced last month and powered by OpenAIs technology, Chegg hopes to provide tailor-made study suggestions to its students. The company plans to provide limited access to the tool later this month.

But even after the A.I. tool debuts, its uncertain whether it will be Cheggs savior, Morgan Stanley analyst Josh Baer said. 

The optimistic scenario of the new AI powered Cheggmate solution insulating Chegg from external risks is highly unlikely, according to a research note by the bank on Tuesday. 

Other analysts doubt that Cheggs A.I.-powered study tool will make much of a difference to the companys short-term finances.

While CHGG plans to launch the CheggMate beta this month to a select few, the timing of a full launch is unclear, Jeffries analysts wrote in their Tuesday note, adding that they dont expect any meaningful impact from CheggMate until fiscal year of 2024. The analysts wrote that Cheggs management is still figuring out how to monetize CheggMate, but the first step would be to include its advanced A.I.-powered features on its existing products.

Whatever the case, the Santa Clara, Calif.-based company still thinks its CheggMate service can win against general-purpose A.I. chatbots. CheggMate said its service will give students an experience unique from ChatGPT, as it will present the edtech companys own content and data.

Weve defeated all the free sites in the past pretty handily over time and we expect that with CheggMate we will have great success going forward, Rosensweig said during Cheggs earnings call.

Ultimately, we believe the introduction of CheggMate will lead to an increase in the size of the market we serve and strengthen our relationship with our users, while reducing content costs, Rosensweig said.

Chegg and OpenAI did not immediately return Fortunes request for comment.

The study, which was published last month in the Journal of Cachexia Sarcopenia and Muscle, looked at the relationship between muscle function and dementia. Using data from the Perth Longitudinal Study of Ageing in Women, researchers examined more than 1,000 women with an average age of 75.

Researchers collaborated with the University of Western Australia to measure the womens grip strength and conduct timed up-and-go tests, also known as TUG tests, which determined how long it took for them to stand up from a chair, walk three meters, turn around and sit back down.

After five years, researchers repeated the tests to measure performance. Over the course of 15 years, researchers found that nearly 17% of women in the study experienced either a dementia-related hospitalization or death.

The link between grip strength and cognitive decline

Those with weaker grip strength were considered more than twice as likely to have a late-life dementia event than the strongest individuals, according to the study. Similarly, those with slower TUG tests were found to be more than twice as likely to experience dementia than the quickest participants.

The team determined that lower grip strength and slower TUG tests were significant risk factors for presenting with dementia, independent of genetic risk and lifestyle factors such as smoking, alcohol intake and physical activity levels.

Possibly due to a range of underlying similarities, grip strength may also present as a surrogate measure of cardiovascular disease, inflammation and frailty, which are known risk factors for dementia, Dr. Marc Sim, one of the lead researchers, said in a press release about the study.

As such, he recommended grip strength and TUG tests as inexpensive screening tools that should be added to clinical practice in an effort to identify dementia risk in patients earlier. 

Incorporating muscle function tests as part of dementia screening could be useful to identify high-risk individuals, who might then benefit from primary prevention programs aimed at preventing the onset of the condition such as a healthy diet and a physically active lifestyle, Sim said. The exciting findings were that decline in these measures was associated with substantially higher risk, suggesting that if we can halt this decline, we may be able to prevent late-life dementias. However, further research is needed in this area.

Why grip strength is important

Typically, grip strength starts to decline around age 50, though some research suggests it can even start in our late 40s. Essentially, grip strength is an indicator of the replacement of muscle tissue with fat tissue, explains Dr. Ardeshir Hashmi, section chief of Cleveland Clinics Center for Geriatric Medicine, who was not part of the study. 

Grip strength is one indicator that is easy to measure, he says. Essentially what its measuring is the replacement of muscle tissue with fat tissue. As that happens, our grip strength goes down. Its the same reason our walking speed goes down [as we age] as well.

Grip strength as an indicator of cognitive health

It comes as no surprise to anyone that physical health is also tied to cognitive health, with people active for at least 10 minutes each day being mentally sharper than people who are less active. This is due, in large part, to two theories, according to Hashmi. One theory is that the cardiovascular health of people who are active is better than those who arent.

We know physical activity is good for the heart. It makes the heart stronger, lowers blood pressure and produces better cardiac output, he says. So the heart is able to pump blood more easily and if the heart is in good condition, then blood supply to the brain is going to be optimized as well.

The second theory is related to oxygenation of the brain.

When we exercise, we take in more oxygen into the lungs. Oxygenation is important for all tissues, but the brain tissue is incredibly sensitive to this in a positive way says Hashmi. So the more oxygen you get, the shaper you are. The opposite is also true though if you deprive the brain of oxygen and blood supply, then the brain tissue not only shrinks, but there are areas that die off, especially in the memory area.

Ways to improve your grip strength (and support your brain health)

To help combat this cognitive decline and improve your grip strength, Hashmi recommends the following exercises:

• Combine light weights with aerobic exercise for at least 10 minutes a day. Its about the combination of both, says Hashmi. And it doesnt even have to be free weights, you can use resistance bands. But it has to be something youre able to do every day. Its not about the intensity of it or how heavy these things are, but the regularity of it. 
• Squeeze an (adequately resistant) stress ball. The right consistency can typically be found in a racquetball or squash ball. A tennis ball may do more damage than good, and if the ball is too squishy you wont reap the benefits of the exercise. While theres no defined number of sets you have to do, Hashmi encourages people to repeat this exercise daily or twice a day if possible.

Even things you may not directly link with physical frailty, such as memory impairment or cognitive impairment actually worsen in people who are frail, says Hashmi. If we look at the frailty spectrum all the way from robust to the severely frail, we see it maps out exactly with the progression of dementia, says Hashmi. So it can go from mild cognitive or mild memory impairment to moderate to severe dementiathose two things tend to run parallel.

The two companies behind the iPhone and the software that powers Android phones on Tuesday submitted a proposal to set standards for combatting secret surveillance on Apples AirTag trackers and similar gadgets. The concept also has the backing of Samsung, which sells the most Android smartphones worldwide, as well as tracking products similar to the AirTag such as Tile, Chipolo, and Pebblebee.

The $30 AirTag has become a popular item since its 2021 release, helping users pinpoint the locations of a wide variety of lost property. But stalkers have also deployed AirTags and similar products to shadow former love interests and other people who dont realize they are being tracked.

Bluetooth trackers have created tremendous user benefits, but they also bring the potential of unwanted tracking, which requires industrywide action to solve, said Dave Burke, Googles vice president of Engineering for Android.

Apple and AirTag hope to have a plan in place by the end of this year to thwart stealth tracking. The solution would be distributed through software updates to iPhones and Android phones.

Erica Olsen, the senior director of National Network to End Domestic Violences Safety Net Project, applauded the effort to set an industry standard that she believes will help protect survivors of abusive relationships and other people that have been targets of stealth technology. These new standards will minimize opportunities for abuse of this technology and decrease the burden on survivors in detecting unwanted trackers, Olsen said.