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Research index

Trends, tested against reality.

Browse every published reality check, then move upward into the pillar and sub-pillar that explains the broader data context.

Pillar

Technology

AI, software, platforms and developer activity — tested against employment, adoption and usage data.

AI & SoftwarePlatforms & Adoption
Explore →
Pillar

Jobs & Work

Employment, telework, skills and labour-market signals — compared with the story people are hearing.

Remote WorkLabour Market
Explore →
Pillar

Travel

Destination momentum, visitor arrivals and outbound travel — measured with official tourism statistics.

India OutboundDestination Momentum
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Pillar

Money & Consumer

Prices, purchases, transport and adoption — where attention and actual consumer behaviour agree or diverge.

Electric VehiclesConsumer Adoption
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All published research

Reality checks

Sorted by latest publication. Each page includes its source trail and update date.

Money & Consumer · US Prices

Will You Get a Tariff Refund After the Supreme Court Ruling?

The Supreme Court killed IEEPA tariffs 6-3, and about $122B in refunds has been certified, but it goes to importers, not shoppers. Prices are unlikely to fall.

$122BRefunds certified
~$905Per household (if shared)
Money & Consumer · US Health Costs

ACA Open Enrollment 2027: How Much Are Marketplace Premiums Really Rising?

2027 Marketplace sticker prices are set to rise about 15% after a 26% benchmark jump in 2026, and with enhanced credits gone the 400% cliff is back.

15%Median 2027 rate request
+26%2026 benchmark rise
Money & Consumer · Consumer Spending

Are Black Friday 2026 Deals Real When Inflation Is 3.7%?

NRF forecasts a $1.013 trillion holiday season, but after 3.7% inflation real growth is about 0.5%, and Which? found 83% of Black Friday deals were matched at other times.

0.5%Real holiday growth
83%Deals matched elsewhere
Jobs & Work · Canada Immigration

Canada's 2027–2029 Immigration Levels Plan: Is the Door Closing?

Canada's 2027–2029 levels plan is due by 1 November. The notional 2027 target is 380,000 PRs, while temporary arrivals have been cut 43% since 2025.

380,0002027 PR target (notional)
6.65%Temp. residents share
Money & Consumer · Electric Vehicles

Canada's $5,000 EV Rebate: Which Cars Actually Qualify in 2026?

Canada's EV rebate pays up to $5,000 in 2026, but only on cars with a final price of $50,000 or less built outside China. It drops to $4,000 on 1 January 2027.

$5,000Max BEV rebate 2026
$50,000Price cap (FTV)
Travel · Germany Travel

Deutschlandticket 2027: Will the Price Rise Again, and Is It Still Worth It?

The Deutschlandticket rises to €66.80 in 2027, 36% above its €49 launch price. It still pays off from about 17 single trips a month in big cities.

€66.80Price 2027
€46.76Jobticket (25% subsidy)
Money & Consumer · Germany Money

German Pension Increase 2027 (Rentenerhöhung): How Much More, and What Else Changes?

German pensions are forecast to rise 4.4% in July 2027, about €66 a month on a €1,500 pension. Mütterrente III adds €21.26 per child, but only from 2028.

+4.4%2027 forecast
€42.52Rentenwert now
Jobs & Work · UAE Pay

UAE End-of-Service Savings Scheme vs Gratuity: Which Pays More?

The UAE’s voluntary savings scheme only beats gratuity through returns: on AED 10,000 basic, 10 years pays AED 84,960 at 0% vs AED 83,836 gratuity, but AED 106,947 at 5%.

5.83% / 8.33%Employer contribution
+27.6%10 yrs at 5% vs gratuity
Technology · AI Companies

Is OpenAI Really Worth $1.25 Trillion? What an OpenAI IPO Would Mean

OpenAI is reportedly raising at $1.25 trillion, about 25x its ~$50B revenue run rate, after losing $38.5B in 2025. We check the price against Big Tech.

$1.25TReported valuation
25xPrice/sales
Money & Consumer · UK Tax

Making Tax Digital 2027: Who Has to Sign Up, and What Changes From April?

From 6 April 2027, sole traders and landlords with over £30,000 of gross turnover in 2025-26 must report quarterly to HMRC. About 970,000 people join.

£30,000Threshold from Apr 2027
~970,000People joining
Money & Consumer · UAE Money

UAE Petrol Prices 2026: What Does a Full Tank Cost Above Dh4, and What Could November Bring?

Every UAE petrol grade is above Dh4 in October 2026. A 62-litre sedan tank of Special 95 now costs Dh265, Dh100 more than a year ago, with November prices due around 31 October.

Dh4.28/LSpecial 95, Oct 2026
Dh265.36Sedan full tank
Travel · UAE Travel

Global Village Season 31 Tickets: What Do They Cost, and Is It Still Dubai’s Best-Value Day Out?

Global Village Season 31 tickets are frozen at AED 25 and AED 30, so a weekday family of four pays AED 100, against AED 1,180 at Legoland. Only Sunday got pricier.

AED 25Weekday ticket
AED 100Family of four
Travel · UAE Residency

UAE Golden Visa 2026: Who Now Qualifies, What It Costs, and What Actually Changed?

The AED 2M property and AED 30,000 salary rules date from 2022; 2025–26 added nomination routes, not a new federal expansion. Property-route fees: AED 9,884.75.

AED 2MProperty threshold
AED 30,000/moSalary threshold
Jobs & Work · UK Pay

National Living Wage 2027: How Much Will Your Pay Rise From April?

The April 2027 National Living Wage is not confirmed yet, but the LPC estimates £13.18 an hour. Full-time, that is £916.50 more gross and about £659.88 more take-home.

£13.18/hr2027 estimate
+3.7%Rise
Money & Consumer · Germany Money

Zusatzbeitrag 2027: How Much More Will You Pay for German Health Insurance, and Should You Switch?

The average Zusatzbeitrag 2027 is estimated at 2.9%, but funds already charge 3.13% and the ceiling jumps to €6,375, adding €591 a year for top earners.

2.9%2027 average (est.)
3.13%Actually charged
Money & Consumer · US Prices

Will Gas Prices Go Down After the Midterms? What the Data Says

US regular gas is $4.28 a gallon, $1.27 above last year, and the EIA forecasts $4.15 for late 2026. The data show no post-election cliff.

$4.284US regular (19 Oct)
+34.2%CPI gasoline y/y
Money & Consumer · US Prices

Inflation Is Back at 3.7%: Which Costs Are Rising Fastest?

US inflation hit 3.7% in September 2026 as gasoline jumped 34.2%, but core inflation is just 2.6%. We estimate it adds about $2,570 a year to a typical household budget.

3.7%Headline CPI
+34.2%Gasoline y/y
Money & Consumer · US Rates

Will the Fed Raise Rates on October 28? What the Fed Rate Decision for October 2026 Means for Your Mortgage, Credit Card and Savings

Markets price about a 90% chance the Fed holds at 3.75%–4.00% on 28 October, with a hike expected by December. A quarter point adds $68 a month to a new $400k mortgage.

3.75%–4.00%Fed funds range
~10% (23 Oct)Hike odds, 28 Oct
Money & Consumer · Canada Rates

Will the Bank of Canada Raise Rates on October 28, and What Happens at Your Mortgage Renewal?

Markets put Bank of Canada hike odds near 87% before October 28, but renewing a late-2021 fixed mortgage already means a payment about 22% higher.

2.25%Policy rate
~87%Hike odds (Oct 21)
Money & Consumer · US Debt

SAVE Is Ending: How Much More Will Your Student Loan Payment Be Under RAP?

SAVE is ending and RAP charges 1% to 10% of total AGI. A single borrower on $50,000 goes from $58.71 to $166.67 a month.

7.5M+SAVE borrowers
$10/moRAP minimum
Jobs & Work · Labour Market

AI Layoffs 2026: Is AI Really Cutting 10,000 Jobs a Month?

US employers blamed AI for 120,136 announced job cuts in Jan–Sep 2026, about 13,350 a month. That is 21% of announced cuts but just 0.8% of actual layoffs.

120,136AI-cited cuts 2026
13,348Monthly average
Money & Consumer · US Retirement

Is Your Medicare Advantage Plan Being Dropped in 2027? Who Is Exiting and What to Do

About 3.2 million Medicare Advantage members must pick a new plan for 2027 as Humana (600,000) and UnitedHealthcare (390,000) cut plans. Nobody loses Medicare, but deadlines matter.

~3.2MEnrollees in ending plans
$12.00CMS avg 2027 MA premium
Jobs & Work · US Immigration

Does Your Salary Now Decide Your H-1B Lottery Odds?

Level IV wage offers now get four H-1B lottery entries to Level I's one. FY2027 registrations fell 38.5% to 211,600, and Level I was 17.7% of selections.

4 vs 1Entries, Level IV vs I
211,600FY2027 registrations
Money & Consumer · Canada Money

Unclaimed Canada Carbon Rebate: How Much Could You Still Get Before October 30?

A family of four that never filed 2021–2024 returns could still recover up to $4,879 in carbon rebates, but a proposed October 30, 2026 cut-off is days away.

Oct 30, 2026Proposed cut-off
$4,879Max owed (AB family of 4)
Jobs & Work · Canada Labour Market

Canada Lost 68,000 Jobs in September: Which Sectors Are Shrinking?

Canada lost 68,000 jobs in September 2026 and unemployment rose to 6.5%, but the public sector (-70,000) drove the drop while private employers held steady.

-68,000Jobs lost (Sep)
6.5%Unemployment rate
Travel · Canada–US Travel

Are Canadians Really Avoiding the US? What the Travel Data Shows

Canadian trips to the US are up year on year, but StatCan data show every month of 2026 still about 25% below 2024. We track route cuts, money lost and where Canadians go instead.

-25.6%Trips vs 2024 (Jul 2026)
-18.7%Air trips vs 2024 (Sep 2026)
Money & Consumer · Electric Vehicles

Pay-Per-Mile EV Tax: How Much Will UK Drivers Actually Pay?

From April 2028 UK EVs pay 3p a mile and plug-in hybrids 1.5p. At 8,900 miles that is £267 a year, about 56% of what a 45mpg petrol car pays in fuel duty.

3p/mileEV rate
£267/yrAvg EV bill
Money & Consumer · Global Money

Gold Price Record High 2026: Is Gold Still Worth Buying?

Gold’s record was $5,594.82 on 29 January 2026; by 20 October it was 26% lower. We test it against stocks, inflation and taxes in five countries.

$5,595 (29 Jan)Record high
$4,13320 Oct close
Travel · Europe Travel

ETIAS 2026: When Does It Start, and What Will US, UK and Canadian Travellers Pay?

ETIAS will cost €20, not €7, and last three years, but as of 23 October 2026 the EU has no launch date. EES border biometrics are already live.

€20ETIAS fee
Not announcedLaunch date
Money & Consumer · Electric Vehicles

Germany’s New EV Subsidy (Up to €6,000): Who Gets It, and Is an Electric Car Worth It Now?

Germany’s E-Auto-Prämie pays €3,000 to €6,000 for a new EV if taxable household income is up to €80,000. We test the headlines and run a five-year cost comparison.

€3,000–6,000BEV subsidy
97,790Approved by 1 Oct
Money & Consumer · Electric Vehicles

Can the Tesla Roadster Actually Fly? Price, Specs and What the Data Says

Tesla's Roadster 'flying car' hopped on cold-gas thrusters with nobody inside. It has no price, a $50,000-$250,000 reservation and a 2028 target, eight years after the first promise.

$50K-$250KReservation
2028Production target
Money & Consumer · US Retirement

How Much Will Your Social Security Check Rise in 2027? The 3.6% COLA, After Medicare

SSA confirmed a 3.6% COLA for 2027, lifting the average retirement check to $2,170. On Medicare’s projection, Part B takes back just $6.60.

3.6%2027 COLA
$2,170Avg retiree benefit
Trending · Global · Time change

Daylight Saving Time Ends 2026: When Do Clocks Go Back, and Does DST Actually Save Anything?

Europe falls back on 25 October and the US on 1 November 2026, but western Canada has quit. DST saves about 0.5% of electricity a day at best, and the US Senate still holds the key to ending it.

1 Nov 2026US fall back
4 hoursLondon–NY gap week
Money & Consumer · Consumer Safety

Why Are There So Many Food Recalls in 2026?

Kayem's 1.58 million-pound meat recall and a 4.3 million-tube toothpaste recall made 2026 feel like a recall year. The data say FDA food recalls are running at 9.5 a week, the same as 2019.

1,584,361 lbsKayem recall
9.5FDA recall events / week (2026)
Technology · Security

PHP2Shell Vulnerability: How Many Websites Are Actually Exposed?

PHP2Shell (CVSS 9.2) hits the language behind 69.3% of websites. We estimate about 48% of PHP sites run versions with no official fix.

9.2CVSS v4.0
69.3%Sites using PHP
Money & Consumer · UK Pensions

Will Your State Pension Be Taxed? The £12,570 Personal Allowance Problem

The full new State Pension is on course for £13,036 a year from April 2027, £466 above the frozen £12,570 allowance. Ministers say pension-only retirees won't pay tax; details land at the 28 October Budget.

£250.70/wkNew State Pension 2027/28
£466.40Above allowance
Money & Consumer · Canada Money

What Would You Actually Keep From a $90 Million Lotto Max Win?

Canada doesn’t tax the $90M Lotto Max win, but $3.6M a year of interest at 4% shrinks to about $1.67M after Ontario tax. A US winner would keep about $23.9M.

$0Tax on the win
$1.67M/yrAfter-tax interest (ON, 4%)
Travel · US Holiday Travel

Why Are Thanksgiving Flights 31% More Expensive in 2026?

Hopper says Thanksgiving flights average $402 in 2026, up 31%. Jet fuel up 84% and a 22.4% jump in the airfare CPI explain most of it.

$402 (+31%)Avg Thanksgiving fare
+22.4% y/yAirfare CPI, Sep 2026
Jobs & Work · Germany Pay

Germany Minimum Wage 2027: €14.60 an Hour, but What’s Left After Tax?

Germany’s minimum wage hits €14.60 in 2027: €2,531 gross for full-time work, but only about €1,783 net by our estimate. The Minijob limit rises to €633.

€14.60/hMindestlohn 2027
≈ €1,783Net, full-time (est.)
Travel · UAE Travel

Dubai Tourist Visa 2026: What Changed, and What Does It Really Cost?

No 2026 fee rise: a 30-day Dubai tourist visa is still AED 210 officially, but Emirates charges $90. The real changes were six new entry-visa nationalities and a war-time overstay waiver.

AED 210Official 30-day fee
+57%Emirates premium
Jobs & Work · Labour Market

EPF Wage Ceiling Raised to ₹25,000: What It Does to Your Payslip

The first EPF ceiling change since 2014 brings about 51 lakh more workers under mandatory PF. Contribution maths, worked payslip examples and the search spike that followed.

₹25,000New EPF wage ceiling · from 17 Sep 2026
₹3,000Max. employee PF deduction at ceiling
Jobs & Work · Labour Market

The PERM Freeze Explained: Why “H-1B Suspended” Searches Spiked in India

H-1B was not suspended. PERM green-card filings were, for Microsoft, Infosys, TCS, Wipro and four others. What changed, who is exposed and what the search data shows.

8Employers suspended from PERM · 8 Oct 2026
230,000+H-1B approvals received by those employers
Money & Consumer · Electric Vehicles

India's EV Sales Hit a Record in September 2026. Search Data Shows How Buyers Changed

FADA data shows 3.33 lakh EVs retailed, up 74%, with electric cars nearly doubling. Searches have shifted from the category to specific models, range and price.

333,634EV retail · Sep 2026
+74.2%Year-on-year growth
Technology · Platforms & Adoption

ChatGPT vs Gemini vs Claude in India: 12 Months of Search Data

Claude's search interest in India rose about 15x in a year, ChatGPT extended its lead and Gemini slipped in search while its app grew. Search and app data compared.

~15xClaude search interest, 12 months
62%ChatGPT share of the four · Oct 2026
Technology · AI & Software

AI Detector vs AI Humanizer: Searches Doubled Since July

Both searches follow the academic calendar. Turnitin figures and a Stanford-led study show why detectors weigh most on non-native English writers.

+115%“ai detector” searches since July
~+155%“ai humanizer” searches since July
Money & Consumer · Household Money

How Indians Borrow, Invest and Spend: 20 Years of Household Money Data

RBI, NSS, AIDIS and AMFI evidence shows higher balance-sheet intensity, broader financial participation and a changing spending basket—with incompatible years left visible.

₹54.8Liabilities per ₹100 of new financial assets · 2023–24
40.5%Deposits’ share of new financial assets · 2023–24
Technology · AI & Software

Salesforce vs AI CRM: Is AI Replacing the CRM Interface?

A data-led analysis of Agentforce, AI-native CRM alternatives, automation rates, Salesforce's workforce changes, and software-versus-labor economics.

$1.5B+Agentforce ARR · Q2 FY27
7.0BCumulative Agentic Work Units
Jobs & Work · Remote Work

Remote Jobs in 2026: How Hard Is It to Get One?

Data on fully remote vs hybrid hiring, geographic restrictions and an eligibility checker for whether a remote job actually matches your location.

3%Fully remote · US professional postings, Q2 2026
10%Hybrid · same dataset
Money & Consumer · AI Infrastructure

Is Big Tech Really Hiding Trillions in AI Debt?

SEC filings reveal enormous data-center leases and purchase commitments—but combining debt, future contracts and contingent guarantees into one total is misleading.

$329.1bnMicrosoft uncommenced leases
$288bnOracle additional leases
Money & Consumer · Markets & Liquidity

Why Didn't $2.4B of Bitcoin ETF Inflows Push Bitcoin Higher?

US spot-Bitcoin ETFs attracted $2.386 billion in five days. Price still pulled back as fund demand met selling, hedging and a less supportive rates backdrop.

$2.386bnETF inflows, Sep 21–25
5.29%10-year Treasury, Sep 30
Money & Consumer · Global Money

Is the US Dollar Actually Dying?

Reserve diversification and gold buying are real, but the dollar still dominates FX trading, international credit and stablecoins. Here is what the 2026 data shows.

57.13%USD share of reserves, 2026 Q1
89.2%FX trades involving USD
Jobs & Work · Commercial Diving

Underwater Welder: Pay, Risks and Career Path

The official wage category is Commercial Divers—not underwater welders alone. See verified 2025 pay, training pathways and a source audit of death-rate and lifespan claims.

$72,9902025 median Commercial Diver pay
5%Projected growth, 2025–35
Trending · Philippines · Licensure

Why Is "Psychometrician" Trending in the Philippines?

PRC's September 2026 results show 14,146 of 15,423 examinees passed. The national rate rose 4.74 percentage points from the comparable 2025 examination.

91.72%2026 national pass rate
+4.74 ppChange from 2025
Trending · Andorra · Architecture

What Happened at La Querola d'Ordino?

Early emergency reports described widespread damage. The later government inspection found five of seven blocks and 32 of 52 homes affected, with no injuries.

5 of 7Blocks affected in latest assessment
32 of 52Homes affected by calculation
Money & Consumer · Electric Vehicles

Are High-Mileage EVs Actually Reliable?

A 47.4-million-test MOT analysis finds lower high-mileage failure rates than petrol—but roadworthiness, battery health and vehicle longevity require separate evidence.

47.4mMOT tests analysed
16.0% vs 23.5%EV vs petrol failure above 120k miles
Money & Consumer · Electric Vehicles

Are Indians Really Switching to Electric Vehicles?

Registration data says yes — but three-wheelers, two-wheelers and passenger cars are moving at very different speeds.

7.5%EV share of FY2024-25 registrations
57.3%Three-wheeler EV share
Technology · AI & Software

Is AI Actually Replacing Software Jobs?

Automation is reducing demand for some programming work, while official projections still show software-developer employment growing. The job category matters.

+10.2%US software-developer growth projected, 2025–35
−7.3%US computer-programmer growth projected, 2025–35
Jobs & Work · Remote Work

Are Remote Jobs Really Disappearing?

US telework rose between 2023 and 2024 and stayed above one in five workers in 2025. What changed more clearly was the mix between fully remote and hybrid work.

22.4%US workers teleworking in 2025
22.8%2024 annual telework rate
Travel · India Outbound

Is Vietnam Really Becoming More Popular With Indian Travellers?

Yes. Indian departures to Vietnam more than quadrupled between 2019 and 2024, while Vietnam's own visitor statistics show the market continuing to accelerate.

+324%Indian departures to Vietnam, 2019→2024
+28%2024 vs 2023 Indian departures