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   Plus: The 24-karat plan.
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              <span style="color:#888888">
               Monday, December 1, 2025
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30px;width:66.6667%;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000;mso-line-height-rule:exactly">
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               PAU Barrena/AFP via Getty Images
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             <div>
              <span style="background-color:#FFFFFF;font-family:Helvetica 
Neue,Helvetica,Arial,sans-serif;color:#000000;font-size:16px">
               Good morning, Quartz readers! It’s Shannon Carroll with the Daily Brief. Today, OpenAI is shifting from leader to contender, gold is shifting from ornament to retirement hedge, note-taking is shifting from meeting chore to promotion engine, and Apple’s iPhone sock is shifting from overpriced oddity to must-have merch.
              </span>
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              <span style="font-size:18px;color:#168DD9">
               HERE'S WHAT YOU NEED TO KNOW
               <span class="ql-cursor">
                
               </span>
              </span>
             </h2>
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             <div>
              <strong style="font-size:16px;color:#000000;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;background-color:#FFFFFF">
               Health costs are set to soar.
              </strong>
              <span style="font-size:16px;color:#000000;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;background-color:#FFFFFF">
               Congress has stalled on extending ACA tax credits, leaving households near the 400%-income threshold exposed to big premium jumps and forcing Americans to scramble
              </span>
              <a data-linktext="through tax 
maneuvers." data-linktype="Normal" style="color:#168DD9;text-decoration:none;font-size:16px;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;background-color:#FFF;" target="_blank">
               through tax maneuvers.
              </a>
             </div>
            </td>
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           <tr style="padding-top:10px;padding-bottom:10px">
            <td class="td100" colspan="6" style="width:100%;padding:10px 20px;line-height:1.5;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000;mso-line-height-rule:exactly">
             <div>
              <strong style="font-size:16px;color:#000000;font-family:Helvetica 
Neue,Helvetica,Arial,sans-serif;background-color:#FFFFFF">
               AI note-takers are winning at work.
              </strong>
              <span style="font-size:16px;color:#000000;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;background-color:#FFFFFF">
               A study finds workers who use the tools are promoted more often, with execs saying the tech helps surface decisions, clarify next steps, and makes workers look prepared
              </span>
              <a data-linktext="in every meeting." data-linktype="Normal" style="color:#168DD9;font-size:16px;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;background-color:#FFF;text-decoration:none;" target="_blank">
               in every meeting.
              </a>
             </div>
            </td>
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            <td class="td100" colspan="6" style="width:100%;padding:10px 20px;line-height:1.5;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000;mso-line-height-rule:exactly">
             <div>
              <strong style="color:#000000;font-size:16px;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;background-color:#FFFFFF">
               Thanksgiving travel is about to get turbulent.
              </strong>
              <span style="color:#000000;font-size:16px;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;background-color:#FFFFFF">
               A storm could dump record snowfall across the Midwest, meaning more than 80 million Thanksgiving travelers now face dangerous roads
              </span>
              <a data-linktext="and flight delays or cancellations." data-linktype="Normal" style="color:#168DD9;text-decoration:none;font-size:16px;font-family:Helvetica 
Neue,Helvetica,Arial,sans-serif;background-color:#FFF;" target="_blank">
               and flight delays or cancellations.
              </a>
              <strong style="color:#000000;font-size:16px;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;background-color:#FFFFFF">
              </strong>
              <span style="color:#000000;font-size:16px;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;background-color:#FFFFFF">
              </span>
             </div>
            </td>
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           <tr style="padding-top:10px;padding-bottom:10px">
            <td class="td100" colspan="6" style="width:100%;padding:10px 20px;line-height:1.5;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000;mso-line-height-rule:exactly">
             <div>
              <strong style="font-size:16px;color:#000000;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;background-color:#FFFFFF">
               A holiday showdown is brewing.
              </strong>
              <span style="font-size:16px;color:#000000;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;background-color:#FFFFFF">
               Starbucks baristas in more than 85 cities walked out on Black Friday, intensifying the longest strike in the union’s history and challenging company insistence that
              </span>
              <a data-linktext="everything remains
on track." data-linktype="Normal" style="color:#168DD9;text-decoration:none;font-size:16px;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;background-color:#FFF;" target="_blank">
               everything remains on track.
              </a>
             </div>
            </td>
           </tr>
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            <td align="center" class="td100" colspan="6" style="width:100%;padding-top:10px;padding-bottom:10px;vertical-align:top;font-family:Arial,Helvetica,sans-serif;font-size:12px;color:#000000">
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                  SPONSORED
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               OPENAI'S REIGN DELAY
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              <span style="font-size: 16px">
               When ChatGPT debuted three years ago, it looked like OpenAI had fired the starter pistol and sprinted halfway down the track before anyone else even tied their shoes. The bot hit a million users in under a week, spooked Google into a “code red,” and convinced Silicon Valley that artificial general intelligence was basically a land grab. For a hot minute, this looked like OpenAI’s coronation tour. But the AI race has turned out to be less “runaway leader” and more “musical chairs,” with OpenAI, Google, DeepSeek, and Meta 
trading pole positions as fast as the headlines refresh.
              </span>
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             <div>
              <br/>
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             <div>
              <span style="font-size: 16px">
               The whiplash hit early. DeepSeek opened 2025 by matching OpenAI’s performance for a fraction of the cost and rewiring expectations about what cutting-edge models should cost to build. GPT-5 landed in August with almost two years of hype and a “PhD-level” promise, only to get tripped up by algebra and mislabel Oklahoma as “Gelahbrin,” vaporizing prediction markets in an hour. And this month, Google’s Gemini 3 walked in like it 
owned the place. Marc Benioff tried it for two hours, announced he wasn’t “going back,” and analysts pointed out that search-level distribution gives Google an advantage OpenAI can’t replicate. But even that victory lap isn’t guaranteed to last: Meta’s Llama ecosystem keeps expanding, Alibaba’s Qwen just leveled up, Anthropic’s Claude is holding its own, and open source remains the industry’s permanent houseguest.
              </span>
             </div>
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              <br/>
             </div>
             <div>
              <span style="font-size: 16px">
               Perhaps no one ever owned this race in the first place. Google’s 
leaked 2023 memo — “We have no moat, and neither does OpenAI” — reads now like a corporate prediction that aged into prophecy. Three years ago, ChatGPT couldn’t browse the web, remember a conversation, or produce an image. Today, it handles spreadsheets, code, and voice chats with 800 million weekly users — and still can’t count on a stable lead for 30 days. In a field where breakthroughs get cloned before the press release finishes loading, every empire is temporary. ChatGPT changed the world, yes — but three years in, the bigger story might 
be how fast the world learned to change right back.
              </span>
              <a data-linktext="Quartz’s Jackie Snow has more on how the music’s still playing — but the chairs aren’t disappearing. Yet." data-linktype="Normal" style="color:#168DD9;font-size:16px;text-decoration:none;" target="_blank">
               Quartz’s Jackie Snow has more on how the music’s still playing — but 
the chairs aren’t disappearing. Yet.
              </a>
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                   The 
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                  <a data-linktext="Semafor Technology" data-linktype="Normal" style="color:#105C8E;text-decoration:none;" target="_blank">
                   Semafor Technology
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                  unpacks the ideas, innovations, and power shifts redefining the global tech landscape. From AI and machine learning to the startups and policies shaping
the industry, each briefing delivers clarity and depth on the tech transforming our world
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               GOING FOR GOLD
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              <span style="font-size: 16px">
               Gold is back in the spotlight — and not in the “grandma’s charm bracelet” way. With prices hitting $4,100 an ounce in late November, the metal is up 21.8% in six months and 55.4% over the past year, a rally powered by 
sticky inflation, geopolitical nerves, and investors side-eyeing frothy stock valuations. Goldman Sachs now sees gold climbing to $4,900 by 2026, which explains why jittery retirement savers are suddenly poking around an old-but-new corner of the wealth world: the gold IRA.
              </span>
             </div>
             <div>
              <br/>
             </div>
             <div>
              <span style="font-size: 16px">
               A gold IRA is exactly what it sounds like. It’s a self-directed retirement account stuffed with physical precious metals, not with stocks or ETFs. Advocates make it sound almost romantic: tangible assets, tax 
perks, and the comforting permanence of a material that has survived every empire from the Romans to Reddit. Experts point out the appeal: inflation hedging, long-term stability, and flexibility around taxes and distributions. And because self-directed IRAs give investors more control over timing and ownership, some savers see gold as both ballast and backup plan.
              </span>
             </div>
             <div>
              <br/>
             </div>
             <div>
              <span style="font-size: 16px">
               But this shiny setup has a lot of fine print. Gold IRAs come with fees at every turn — setup charges, custodial fees, 
storage and insurance costs — that can eat small balances alive. You can’t stash the gold under your bed; someone has to handle every ounce. Trading isn’t instantaneous. And that vaunted “one-stop shop” you saw in a TV ad? The IRS says otherwise; You’ll be juggling a custodian, a dealer, and a storage facility whether you like it or not. Experts advise caution. Yes, modest exposure can stabilize a portfolio during inflationary stretches, but high costs, slow mechanics, and the potential for fraud mean gold IRAs are best for well-capitalized, 
highly disciplined investors. As one expert puts it, a gold IRA can be a useful parking spot — just don’t confuse it for the whole garage.
              </span>
              <a data-linktext="Quartz’s Brian O’Connell has more on the asset class that sparkles and occasionally sparks headaches." data-linktype="Normal" style="color:#168DD9;font-size:16px;text-decoration:none;" target="_blank">
               Quartz’s Brian 
O’Connell has more on the asset class that sparkles and occasionally sparks headaches.
              </a>
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                   Hydrow turns every workout into full-body performance training. Rowing 
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                                  Train Stronger
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               MORE FROM QUARTZ
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               🛍️
              </span>
              <a data-linktext="Black Friday 
shopping is dead. Long live the algorithm" data-linktype="Normal" style="color:#168DD9;font-size:16px;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;background-color:#FFF;text-decoration:none;" target="_blank">
               Black Friday shopping is dead. Long live the algorithm
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Neue,Helvetica,Arial,sans-serif;background-color:#FFFFFF">
               💸
              </span>
              <a data-linktext="Holiday spending is decking new halls this year" data-linktype="Normal" style="color:#168DD9;font-size:16px;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;background-color:#FFF;text-decoration:none;" target="_blank">
               Holiday spending is decking new halls this year
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              </span>
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               🧦
              </span>
              <a data-linktext="Apple’s $230 iPhone sock went viral. Then, this happened" data-linktype="Normal" style="color:#168DD9;font-size:16px;font-family:Helvetica 
Neue,Helvetica,Arial,sans-serif;background-color:#FFF;text-decoration:none;" target="_blank">
               Apple’s $230 iPhone sock went viral. Then, this happened
              </a>
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               📈
              </span>
              <a data-linktext="Job postings are down across the board — except in these areas" data-linktype="Normal" style="color:#168DD9;font-size:16px;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;background-color:#FFF;text-decoration:none;" target="_blank">
               Job postings are down across the board — except in these areas
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               💻
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              <a data-linktext="These will be the 10 of the best U.S. cities for remote workers next year" data-linktype="Normal" style="color:#168DD9;font-size:16px;font-family:Helvetica Neue,Helvetica,Arial,sans-serif;background-color:#FFF;text-decoration:none;" target="_blank">
               These will be the 10 of the best U.S. cities for remote workers next year
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              <span style="font-size:18px;color:#168DD9">
               BLACK FRIDAY
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             </h2>
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                  <a data-linktext="CAROL Bike’s AI-Powered Cycle Is $300 Off Ahead of Black Friday" data-linktype="Normal" style="color:#105C8E;text-decoration:none;font-size:14px;" target="_blank">
                   CAROL Bike’s AI-Powered Cycle Is $300 Off Ahead of Black Friday
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                  <br/>
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                  <a data-linktext="Score Up to 50% Off Frames, Contacts, and More at GlassesUSA's Black Friday Sale" data-linktype="Normal" style="color:#105C8E;text-decoration:none;font-size:14px;" target="_blank">
                   Score Up to 50% Off Frames, Contacts, and More at GlassesUSA's Black Friday Sale
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                  <br/>
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                 <div style="line-height: 1.5">
                  <a data-linktext="Material's 'Kinder Kitchens' Sale 
Saves You 35% While Donating a Portion to New Yorkers in Need" data-linktype="Normal" style="color:#105C8E;text-decoration:none;font-size:14px;" target="_blank">
                   Material's 'Kinder Kitchens' Sale Saves You 35% While Donating a Portion to New Yorkers in Need
                  </a>
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                  <br/>
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                  <a data-linktext="Tired of Juggling Security Apps? Save Up to 50% Off Webroot and Webroot Total Protection" data-linktype="Normal" style="color:#105C8E;text-decoration:none;font-size:14px;" target="_blank">
                   Tired of Juggling Security Apps? Save Up to 50% Off Webroot and Webroot Total Protection
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