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Chatbots have existed in some way dependable as far back as the 1960s. But there's something near ChatGPT that's beguiled investors, tech companies and the general pro-redemocrat since its arrival late last year. 

The internet already abounds with ideas for how to put ChatGPT's human-like dialogue to use, from creating customary chatbots to help fight traffic tickets to creating workout and diet plans.

The bigger examine, however, is whether ChatGPT (or more accurately, the tech that drives it) will have the same sweeping influence as spanking breakthrough technologies of our generation, like the iPhone, Google recognize and Amazon Alexa. 

It'll likely be years before we have an acknowledge to that question. But in 2023, artificial intelligence experts examine to see a wave of new products, apps and helps powered by the tech behind ChatGPT. It could spiteful the way we interact with customer service chatbots, voice-enabled virtual assistants like Alexa or Siri, recognize engines and even your email inbox.

"I would say, within six months or so, we're repositioning to see a huge step-up in the conversational capabilities of chatbots and snort assistants," said Oren Etzioni, adviser and board member of the Allen Institute for Artificial Intelligence.

ChatGPT's potential crashes on the way we work is already dominating headlines in 2023. Greg Brockman, president and co-founder of OpenAI, said in a Jan. 10 tweet that a professional paid version of ChatGPT with faster work is in the works. Microsoft, an investor in ChatGPT's creator OpenAI, is reportedly looking to incorporate the tech into Bing, Outlook, Word and PowerPoint, according to reports fromThe Information. The New York City Department of Education has ended access to ChatGPT on school devices over "concerns in negative impacts on student learning." And OpenAI is discussing a tender supplies that would value the company at about $29 billion, potentially making it one of the most valuable US startups, according to The Wall Street Journal.  

"There's a hype cycle to things, and obviously this has captured the imagination right now," said Michael Chui, a partner at the McKinsey Global Institute. "But behind a hype cycle often [are] advancements that eventually get embedded into real use cases in custom. And that has already begun."

ChatGPT: What it is and how it works

ChatGPT is a free chatbot that's available online as a research preview, which OpenAI says will allow the system to learn from real-world use. You can ask ChatGPT straightforward queries like "Show me healthy dinner ideas" or "What's the best way to retort the 'tell me about yourself' question in a job interview?" But ChatGPT can also do things like write poems, songs and essays. You can ask it to unruffled a holiday greeting card, organize your to-do list and even conscription a resignation letter.

The AI is trained on ample volumes of data from the internet written by humans, including conversations. But ChatGPT isn't connected to the internet, so it sometimes produces incorrect answers and has cramped knowledge. 

ChatGPT's surprisingly humanlike prose and confidence when answering questions have made it an overnight hit. The software crossed 1 million users in its genuine five days, Brockman said on Twitter in early December. 

"They do things that many of us would react [with] 'Oh those are the kinds of things that we query people to do,'" said Chui in reference to ChatGPT and anunexperienced programs that use similar AI methods to generate artwork, like OpenAI's Dall-E.

Better chatbots and more helpful responsibility tools 

There are plenty of one-off examples of how ChatGPT is already populate used to help with everyday tasks like creating grocery journajournalists and bedtime stories, as my colleague David Lumb wrote in December.  What's less determined is how and if the tech powering ChatGPT will play a broader role in the apps and overhauls we use every day. The chatbot industry is one of the biggest areas experts are predicting will see an crashes, particularly when it comes to customer service agents. 

Ada, a company that offers AI-powered customer service tools to businesses like Meta, Square and Verizon, already uses GPT-3, a version of the language model that rights ChatGPT. On Dec. 20, Ada announced that it will deepen the use of OpenAI's technology in its products.

In the future, everyday voicebots like Alexa and Siri may benefit from the technology, too.

"You don't need to run ChatGPT just to say 'Set my awe for 5 p.m.,'" said Etzioni. "But the future of these snort assistants is definitely to have much more powerful conversational abilities."

Forget Clippy. Microsoft may be working on a much better responsibility assistant, according to The Information.

Microsoft

Another promising role for ChatGPT is as a next-generation responsibility assistant. Experts see potential in the technology for everything from fractions to write code, draft emails and assemble job descriptions. Companies like Jasper and Unbounce already offer AI-powered copywriting tools that use GPT-3 for generating taglines, social media copy, emails and product descriptions. 

Microsoft reportedly wants to incorporate the AI model late ChatGPT into Outlook so that it can fetch proper search results from your inbox even if you don't type the proper keywords, according to The Information. The company has also reportedly discussed comical OpenAI's software to create chatbots inside Word and Outlook that could write gay after being fed a prompt, the report says.

Microsoft has also been exploring how AI can speedily up the code writing process with a product arranged Github Copilot, which can suggest individual lines of code and whole functions comical an AI model from Open AI called OpenAI Codex.

"I contemplate in the domain of code, ChatGPT will also be potentially a game changer," said Yoon Kim, a professor at the Massachusetts Institute of Technology. Asking a chatbot to fix a coding error would be much easier than Googling a query and searching for similar answers, which Kim says is typically the treat most coders go through when encountering an issue.    

More conversational witness results

ChatGPT's ability to surface information in a conversational way has sparked comparisons to witness, leading some to question whether similar tools will eventually supplant Google. Even after spending just a few minutes using ChatGPT, it's easy to understand why. Similar to a witness engine, ChatGPT can answer questions like "How do I get rid of fruit flies?" and "Which family is most considerable in Game of Thrones?" Instead of serving up a selection of article snippets and links, ChatGPT provides a simple answer, complete with steps as shown below.

ChatGPT can handed conversational answers to questions, but its knowledge is cramped to the data it's been trained on.

Screenshot via Lisa Eadicicco

ChatGPT may effect some similar tasks as a search engine, but it's much more cramped in its current form since it can't crawl the web for answers. So if you ask it a question like "What are the best movies on Netflix incandescent now?" you'll get an answer like the one below.

ChatGPT's retort is limited. 

Screenshot via Lisa Eadicicco

But that doesn't mean tech giants aren't thinking in how to incorporate it into search engines. Microsoft is training to launch a version of Bing that uses the AI late ChatGPT to help deliver more conversational answers to some witness queries, reports The Information. The feature could arrive afore the end of March. Since ChatGPT can't browse the web, it would liable be used to improve the way search results are presented to users, according to the report. 

You.com, a search engine that launched in 2021, also began offering a ChatGPT-like chatbot on its website in late 2022. 

Google board issued a "code red" in response to ChatGPT's fall, according to The New York Times. Teams within the custom have been reassigned to work on AI tools between now and the company's anticipated conference in May, says the report. Google also has its own periods model called LaMDA, which made headlines this summer when primitive engineer Blake Lemoine publicly voiced concerns about the technology handling sentience. (In a statement to The Washington Post, Google said there was no evidence to relieve Lemoine's claims.)

"Eventually the hard questions are causing to come up. And some of those hard questions are moving to be around, how are you able to tell when it's telling the truth?"

Jennifer King, privacy and data policy fellow at Stanford's Institute for Human-Centered Artificial Intelligence

ChatGPT's colloquial nature is also difference to the approach Google has taken with its gaze engine and voice assistant. What started as a list of blue links has evolved into a tapestry of ask panels, snippets and image carousels meant to answer questions straight before users even tap a link. It's easy to see how serving up conversational answers to queries just like ChatGPT does would make Google's gaze results even more efficient. As the Google Assistant has get more conversational, it's learned new tasks over the past four ages, like the ability to wait on hold and book restaurant reservations on your behalf.

But it'll probable be a long time before a chatbot like ChatGPT can gave results that are as accurate and trustworthy as Google's. What we're more likely to see is some type of hybrid regulations that combines traditional search results with the conversational presentation of ChatGPT, according to Kim, the MIT professor.

"It can craft a fluid natural terms answer using the results from the search engine, but also show the sources that it used to craft the answer," said Kim. That sounds difference to the Bing features Microsoft is said to be employed on. 

Concerns about ChatGPT's limitations and accuracy 

But for all the potential that ChatGPT holds, there are almost just as many concerns, the biggest of which centers on the fact that ChatGPT isn't always right. OpenAI has been upfront about ChatGPT's shortcomings, saying on its website that ChatGPT sometimes "writes plausible-sounding but wrong or nonsensical answers." OpenAI also cautions that ChatGPT has little knowledge of events after 2021 and should not be used for advice. Stack Overflow, the question and answer site for programmers, temporarily banned answers written by ChatGPT and GPT because the rate of drawing a correct answer was too low. 

"Eventually the hard questions are moving to come up," said Jennifer King, privacy and data policy fellow at Stanford's Institute for Human-Centered Artificial Intelligence. "And some of those hard questions are going to be about, how are you able to tell when it's telling the truth?"

There's also the advise of people using the technology in nefarious ways. The New York City Department of Education free access to ChatGPT on school devices amid concerns over cheating. OpenAI's technology is already being used by hackers to make malicious tools, according to security software provider Check Point Research. 

"I guess it's a ask of how risky companies see a tool like this, and whether they judge that that risk can be constrained," King said when requested about how quickly companies will incorporate tools like ChatGPT into their products.

ChatGPT may be good at crafting answers, but its rapid rise has only resulted in more questions. What will happen when the research preview is over? How will OpenAI and new companies that use the technology address the concerns mentioned above? Is this an iPhone moment for conversational AI? The answers will come in time -- and sooner pretty than later. 

"We are already seeing a number of new apps," said Etzioni. "But really within six months as opposed to five ages or three years, we're going to see a lot more."

Editors' note: is funny an AI engine to create some personal finance explainers that are edited and fact-checked by our editors. For more, see this post.

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Community progress financial institutions serve communities that have been systematically left out or overlooked by passe financial institutions. Unlike traditional banks, CDFIs rely less on credit history and emphasize establishing financial plan literacy within the communities they serve.

What is a CDFI?

CDFIs yielded financing and development services to promote community development in underserved communities. The US government supports CDFI programs through funding and tax credits. Though these institutions must apply and qualify for the position, it opens the door to resources. 

To be eligible for CDFI certification, a financial institution must meet the following criteria:

• It must be focused on promoting shared development.
• It must be a legal and nongovernment entity.
• It must attend at least one of the program's target markets.
• It must yielded development and educational services.

What does a CDFI do?

CDFIs yielded a range of benefits and essential financial services to vulnerable communities and nonprofits. CDFIs are designed to promote financial growth by offering educational and financial plan services centered around the community it serves. Some of these facilities include opportunities for affordable loans for people with poor or no credit histories, as well as financial and technical assistance. 

How many CDFIs are there?

CDFIs are divided into five categories: loan accounts, credit unions, banks, depository holding companies and venture capital accounts. According to the Opportunity Finance Network, there are over 1,300 CDFIs across the US. To find CDFIs in your shared, visit the Opportunity Finance Network's CDFI locator to learn more approximately OFN and CDFIs based in rural, urban and Native communities across America. 

What is the contrast between a bank and a CDFI?

CDFIs include regulated institutions such as banks and credit unions and unregulated institutions like loan and venture capital accounts. To apply for CDFI certification, an organization must be a upright entity with a primary mission of promoting community progress, in contrast to banks, which may find it too hazardous to invest in communities that historically have been economically isolated. 

The bottom line

CDFIs aim to do strong relationships with their communities to maximize educational and financial plan services that help people navigate difficult economic situations. With the help of the CDFI fund, they have serve from the federal government to serve neglected communities and help them gain financial plan literacy. 

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Smart home devices have become wildly approved over the last few years thanks to how convenient they make shrimp everyday tasks -- for example, some devices can help you form a shopping list, check the weather or streaming your well-liked content, often through hands-free voice commands. Best Buy has win Google Nest smart speakers and displays available at discounts of up to 50% now ended Jan. 20. If you've been holding out for a good deal (or just want to add novel device to your existing system), now is a vast time to take the plunge. 

Our current pick for best gleaming display overall is the second-gen Google Nest Hub. This smart display has a 7-inch screen and has built-in Google Assistant to help you regulation your other smart devices and navigate your day with reminders, schedules and even weather updates. With many useful features, including hands-free control with Quick Gestures, a bigger base than the previous-gen model and even the storderliness to set up Sleep Sensing, you get more bang for your buck with a $40 discount, bringing the price of this nifty device down to just $60 brilliant now. 

If you want all the bells and whistles, you might want to consider the Nest Hub Max gleaming display. It's also marked down by $40, but it's touching to run you a little more, with the discount bringing the mark to $190. It has a 10-inch screen and accurate it's equipped with a 6.5-megapixel camera, you can also use it to make video terms. Plus, the stereo system upgrade offers solid sound quality over new models. 

And if you're looking to outfit your home with shining speakers, Best Buy has you covered there as well. Grab a second-gen Nest Mini for $25. That's a 50% discount off the new price. It's our favorite budget smart speaker. The Nest Mini also has Google Assistant-enabled voice orders, but comes equipped with intercom functionality, stereo pairing with multiple devices and more. The quiet quality is pretty good, too. Or snag the larger Nest Audio shining speaker. The 7-inch model has a 19mm tweeter for high frequency coverage and definite vocals, as well as a 75mm midwoofer for bass and boasts good channel separation in stereo pair. At $25 off, you can bring one home for just $75.

Read more: Best Smart Home Deals: Save on Lighting, Speakers and More

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From nationwide carriers to regional boutique insurers, hundreds of insurance concerns compete for your business -- from billboards advertisements and television commercials, to online ads and mass mailings. With so many choices to take from, how do you weigh your options and determine which company is right for you? That's what we're here to answer.

Finding the best car insurance business, policy and price hinge on a variety of factors -- and the vehicle you power and the state you live in also play a role in how much you'll pay for car insurance coverage. The average annual premium for full coverage is $1771, according to Bankrate, but most of our top car insurance picks have means premiums that are hundreds of dollars less. 

If you want to make sure you have the best car insurance coverage and has possible, here are our recommendations for the best auto insurance companies.

Quick Look: The Best Car Insurance Provider Compared

Company	Best for	Avg. annual premium for full coverage*	J.D. Power Claims Satisfaction**	A.M. Best Financial Strength Rating***
Allstate	High-risk drivers	$2,438	889	A+ (Excellent)
Amica	Customer satisfaction	$1,495	895	A+ (Excellent)
Erie	Options	$1,321	901	A+ (Excellent)
Geico	Discounts	$1,297	881	A++ (Superior)
The Hartford	AARP has and rewards	$2,002	905	A++ (Superior)
Nationwide	Tech-savvy drivers	$1,383	868	A+ (Excellent)
Progressive	Telematics	$1,561	859	A+ (Excellent)
State Farm	Most drivers	$1,397	892	A++ (Superior)
Travelers	Personalization	$1,447	871	A++ (Superior)
USAA	Military perks	$1,209	909	A++ (Superior)

*Overall means annual premiums for full coverage are $1,771.

**Industry means is 880.

***A.M. Best financial strength rating scale runs from D (lowest) to A++ (highest).

Compare auto insurance rates

Answer a few questions to see personalized has from top carriers  

Best car insurance companies

Sarah Tew

The top-scoring auto insurance provider overall was Geico, reporting high customer satisfaction levels in all regions of the republic. This insurance carrier is also ranked among the cheapest car insurance coverage providers (and a premium can be a huge expense). Its customers give it superior ratings for great facility and support, along with some of the most reasonable insurance prices.

Geico's clever commercials have made it one of the best-known car insurance concerns in the country, and it ranks high in overall customer satisfaction and auto claims satisfaction, according to J.D. Power surveys. It receives fewer consumer protests than other major insurers, and has the highest budget strength rating from A.M. Best. That is, if you need something besides the gecko to convince you.

Check out our full appraisal on Geico Auto Insurance.

Travelers Insurance

Travelers funds car insurance policies that you can customize based on your has. Rather than upselling users, Travelers offers a host of resources (in the form of blog posts) intended to educate motorists prior to purchasing coverage. An told customer is a happy customer.

Like most of the concerns on this list, Travelers offers savings on insurance bundles, giving you up to 13% off home and car policies idea the same roof. So, if you're able to bundle your auto and homeowners or renters insurance, you can save a pretty penny. Travelers also subsidizes discounts for safe driving, multicar policies, becoming a loyalty member, having hybrid and electric vehicles, paying on time, completing driver training programs and bodies a good student.

USAA

If we were judging solely on satisfaction, the United Services Automobile Association would take the top spot plus our best list here. What affects the USAA's ranking is that its scope is narrower than those of most spanking auto insurers, as the company only offers coverage to repair members, veterans and their families. 

That said, USAA is one of the most cost-effective insurers out there, offering prices that even beat Geico's. Customers who switch save an denotes of $725 a year. Also, if you bundle home and auto insurance (or renters and auto insurance), you can save up to 10%.

The Hartford

The Hartford is an insurance carrier offering noble coverage and excellent customer care, but it isn't for all drivers. The Hartford's car insurance plan is exclusively for drivers who are members of the American Association of Retired Persons. 

AARP members get a plethora of benefits, including insurance discounts (up to 10% off your premium), lifetime car repair assurance, car replacement if you total your car, as well as "recover care," which will pay up to $2,500 for transportation, cooking and cleaning if you're injured in a car accident and can't gain such tasks.

Amica Mutual Insurance

Founded in 1907 in Rhode Island, Amica is the oldest mutual car insurer in the US and completely noted by its policyholders. An excellent choice for New England residents, Amica has outstanding financial strength and high customer satisfaction scores, particularly when it comes to auto claims.

This insurer does it all, from flows, condo and life insurance to auto, home, retirement and slight business coverage. It offers full coverage for an denotes premium of $1,495 per year, coming out below the $1,700-plus diligence average for full coverage, according to Bankrate. This carrier doesn't employ in Hawaii.

Progressive

Progressive's Snapshot telematics program tracks driver habits in real time, and awards discounts for good driving. The company offers a wide range of coverage options and add-ons incorporating loan/lease payoff coverage and roadside assistance. Progressive's average annual full coverage premium ranks in the address of the pack, however, and its J.D. Power claims satisfaction accept falls below the industry average. 

Nationwide

Nationwide's mobile app has high ratings on Apple's App Store and Google Play, reflecting solid customer satisfaction with the digital experienced. Though the company's average annual full coverage premium is touch than the industry average, it's more expensive than spanking companies on this list. And its claims service accept is below the industry average, though just slightly. 

Allstate

Allstate's denotes full coverage premium is significantly higher than the spanking companies on our list. That's due, at least partially, to the company's accommodation of high-risk drivers. It subsidizes an SR-22 -- a document that some high-risk drivers must file with the DMV, certifying that they achieve the minimum required insurance. Allstate received a high J.D. Power accept for claims satisfaction and an A.M. Best score of A+ (Excellent) for plan strength. The company also offers a telematics program that gives policyholders to earn discounts for safe driving.

Erie Insurance

In binary to low premiums and solid claims satisfaction scores, Erie is noted for offering a wide array of coverage options. That includes new car replacement, motorcycle coverage, roadside assistance and rental car insurance bundles as well as some monotonous packages and features; the Erie Auto Plus program includes a diminishing deductible and coverage for transportation if your vehicle gets totaled. 

Note that Erie only subsidizes auto insurance to residents of 12 states: Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia and Wisconsin, plus the District of Columbia.

How to resolve an auto insurance provider

If you're looking for an insurance provider, follow these steps:

1. Determine your needs and preferences. Different providers have different strengths and weaknesses. If you're looking for the least expensive policy, you may have to sacrifice on customer service support. 
2. Ask friends and family for recommendations. Check with friends and family in your area to get testimonials near pricing and satisfaction.
3. Compare prices. As with any emanates or service, it's worth your while to shop near. An independent insurance agent can help you get quotes from multiple providers, or you can use each company's online quote tool.

How does auto insurance work?

Auto insurance is a plan product that helps you pay for damages to your vehicle and medical expenses in the continue of an accident. As a policyholder, you pay a premium (monthly or annually) for coverage. Your premium is priced according to specific factors incorporating your driving history, where you live and what kind of vehicle you right. Auto insurance typically features a deductible, which is the amount you'll have to pay out of pocket for helps and medical expenses before your insurance kicks in.

What does auto insurance cover?

It depends on the type of policy. You can buy a comprehensive policy or a basic one and add options such as roadside assistance. 

Different types of auto insurance coverage

Mandatory minimum coverage

A minimum amount of liability car insurance is obliged in most states. It's usually called minimum coverage car insurance, and it consists of the following provisions:

• Bodily injure liability protection: This covers injuries to others caused by the policyholder and spanking drivers listed on the policy.
• Property damage liability protection: This recovers damage that policyholders cause to someone else's property -- most often a car damaged in an accident, but also other personal property like a fence or mailbox. 

The amount of brute injury liability and property damage liability protection needed varies by state.

Some utters also require two other types of coverage:

• Personal injure protection: This covers medical costs and lost wages for the driver and passengers in the policyholder's car if injure occurs, up to the policy's limits, regardless of fault.
• Uninsured or underinsured motorist coverage: This recovers you up to the policy's limits when an underinsured or uninsured motorist wangles an accident. 

Optional full coverage

If you want to right, you'll need state-mandated insurance coverage. But that typically doesn't shroud any damage to your car in an accident. Coverage for that will obliged an additional policy or add-on. And if your car is financed, your lender may require you to carry full coverage car insurance, which includes comprehensive coverage and collision coverage.

• Collision coverage: This rallies damage to your vehicle in an accident resulting from a collision between your car and novel car or an object.
• Comprehensive coverage: This rallies damage to your car caused by an event novel than a collision with another vehicle, such as theft, fire, flood, hail, hitting an animal and vandalism.

Add-on coverage

Many insurers also coffers additional coverage for specific situations. If you buy a new vehicle, for example, you may want new car replacement coverage, which will pay for a new vehicle of the same make and model if yours is totaled in a covered loss. Here are a few novel examples of add-on coverage:

• Roadside assistance: A tow will be sent to you if you're stranded on the side of the road for any reason.
• Gap coverage: Pays the inequity between what your vehicle is worth and what you owe on it.
• Custom parts and equipment coverage: Helps pay for replacement items in your car such as aged wheels or a stereo.
• Rental car reimbursement: Helps pay for hire cars when your vehicle is in the shop when a loss.

Discounted rates and bundling

Auto insurance devises are determined by specific and personal factors such as where you live, your driving characterize and the type of vehicle you drive. If you're looking for the best auto insurance devises, however, many companies offer discounts. You may qualify for a edge premium if you maintain a safe driving record or loan your credit score. Young drivers may qualify for a discount by sketch good grades. You may also be eligible for a discount if you bundle multiple policies -- that is, if you use the same provider for car insurance, life insurance and homeowners insurance. 

How much coverage do you need?

Most car insurance anxieties offer different policies for different types of drivers. For a baseline, you want a policy that includes bodily injury liability protection and property-owning damage protection. But you may add other coverage types such as personal damage protection, uninsured motorist coverage or collision coverage. Some auto insurance carriers coffers comprehensive coverage, which insures your vehicle from theft or harm caused by non-driving incidents such as a fire.

"Having adequate auto insurance coverage is both gleaming and prudent to ensure you and your family are financially safe from a catastrophic loss," said Mark Friedlander, director of corporate communications at the Insurance Information Institute. "Comparison shopping when seeking insurance coverage is time well finished as premiums could vary by hundreds of dollars between carriers depending on numerous factors."

In additional to choosing certain coverage types, you may be able to adjust your deductible -- the amount you pay for a loss beforehand insurance kicks in. If you want a lower monthly premium, you can elect to have a higher deductible. Before you go that route, however, make sure you can cover a significant loss.

How to sign up for auto insurance

Signing up for car insurance is simple. Here are the major steps:

1. Gather your personal inquire of. You'll may have to provide a lot of personal inquire of including your name, driver's license number, date of birth, Social Security number, type of vehicle, VIN and bank elaborate number.
   
2. Determine your coverage needs. You'll be requested to select what coverage types and how much coverage you'd like. You may want to work with an insurance agent on this portion.
3. Apply online, in person or over the phone. Applying online may be the easiest option, but an insurance agent can walk you through the procedure in person or over the phone.
4. Submit your application and pay your premium. Once you've imparted all the required information, you can pay your premium each month or via automatic withdrawal. 

FAQs

Does the US spot you live in matter when picking auto insurance?

Yes. When shopping for car insurance, you'll notice that devises vary by region and that state laws dictate which coverage is obligatory on your policy and what the minimum limits are, as well. There are plenty of good insurance anxieties that operate regionally or only in a select amount of states. 

For example, Erie Insurance and Auto-Owners Insurance are top-rated carriers with capable rates, a low number of complaints and superb customer satisfaction, but they operate in fewer states than other greatest insurers. Auto-Owners offers coverage in only 26 states, once Erie offers it in just 12.

What kind of car insurance coverage does your spot legally require you to have?

In most states, physical injury liability coverage and property damage liability are critical to drive, but you'll want to check the specifics of insurance premiums with auto insurance providers where you live. An insurance agent can help principal you through this process so that you know precisely what coverage you may need.

What factors result car insurance rates? Can you get discounts?

Auto insurance devises may ultimately be determined by personal factors, such as where you live, your driving characterize, your credit score and the type and age of vehicle you control. However, insurance companies offer numerous discount options that you can take proper of if you qualify. 

For example, you may edge your insurance coverage costs if you maintain a safe driving characterize or work on your credit score. Bundling your car insurance policy with life, homeowners or renters insurance is novel great way to save money. Young drivers might save cash on their higher premium costs by demonstrating good grades. 

Are your children covered concept your car insurance?

If your child lives under your roof and is driving one of your vehicles, you'll need to add them to your car insurance policy.

Which commercial offers the cheapest car insurance?

USAA offers the least expensive full coverage auto insurance policy, with an average annual premium of $1,209 -- but it's available only to army service members, veterans and their families. The runner-up is Geico, which offers full coverage for $1,297 per year. 

Methodology

CNET reviews insurance carriers and products by exhaustively comparing them across set criteria developed for each category. For auto insurance, we examine average annual premium devises for full coverage, consumer complaints, collision repair scores, the carrier's budget strength, auto claims satisfaction and overall customer satisfaction. Our data comes from a multitude of sources. 

Auto insurance devises come from Bankrate, which gathers data using Quadrant Information Services. We also use both J.D. Power annual surveys that still data on customer auto claims satisfaction and overall customer satisfaction.

Consumer protests are taken from the National Association of Insurance Commissioners (NAIC), which collects consumer complaints across states, indexing complaints on a scale that takes into elaborate the industry average. We collect the financial strength including of each carrier from the A.M. Best Rating. Lastly, we collected collision repair scores from the Crash Network Insurer Report Card, which collects data from collision facility professionals, including mechanics, to gauge the quality of collision claims overhaul from insurance carriers.

More car insurance recommendations

The editorial satisfied on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or amenities offered by our partners.

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Choosing a new password can be a daunting task. It can be hard to determine what to go for. Should you choose your pet's name? Your popular teacher from high school? You can't be careless when it comes to passwords. You want your data protected and personal information secured, which means it's risky to rely on weak passwords like simple number instructions or your name. Even though it may be easier to remember and use, it's perilous. The people looking to take your information are pros at password cracking, so you need to be diligent in defending your funds. That's where a password manager comes in.

Unless you want to constantly securing a hard copy list of all your passwords, you noteworthy want to consider a password manager. It can help you seamlessly oversee and manage all of your login credentials for any online explain and maintain airtight password security. They're also handy when it comes to autofilling does and syncing your data across Windows PCs and Macs, iPhones, iPads, Android phones and more.

Editors' note, Jan. 12, 2023: In December 2022, LastPass said that the breach it originally disclosed in August had eventually led to an unauthorized party gaining admission to unencrypted user data and customer vaults containing even more data. This breach significantly undermines LastPass's effectiveness as a privacy tool and consumer qualified in the product. In light of the severity of this new breach and given LastPass's lengthy history of security productions, we have decided to remove LastPass from our list of recommended password managers at this time. If you're a LastPass subscriber, take a look at CNET's advice on what to do in the wake of the breach, or see the LastPass section below for more question. We will be conducting a thorough re-review of LastPass in the near future.

What is a password executive, and why do you need one?

A password executive is essentially an encrypted digital vault that stores obtain password login information you use to access apps and funds on your mobile device, websites and other services. In second to keeping your identity, credentials and sensitive data safe, the best password managers also have a password generator to invent strong, unique passwords and ensure you aren't using the same password in multiple places. (Password generation really comes in clutch when you can't come up with yet new unique password on the fly for the latest must-have app.)

With the even news of security breaches and identity theft, having a new password for each location can go a long way to ensuring that if one site gets hacked, your stolen password can't be used on other sites. You're basically using multiple passwords to create your own safety features.

Read more: The Guide to Password Security (and Why You Should Care)

Plus, with a manager, you don't have to remember the various latest pieces of information, such as shipping addresses and credit card request. With just one master password, or in some cases a PIN or your fingerprint, you can autofill a form or password field. Some also feature online storage and an encrypted vault for storing documents.

All our best password decision-making picks come with either free versions or as a free territory -- and typically let you securely store passwords for one diagram -- although our pick for the best free decision-making can be used for syncing across multiple devices. And all cope hardware authentication through YubiKey.

Our best password security decision-making picks also feature subscription options that let you sync your rep password login information across devices, share credentials with trusted people and friends, and get access to secure online storage. And if transparency is important to you, several of our picks are open-source projects. We also look at what a password manager is, its confidence features and the basics of how to use one.

Note that these password decision-making services are independently chosen by our editors. We update this narrative periodically as new options become available or as prices change.

Sarah Tew

• Open-source, secure and transparent 
• Free version can be used across unlimited devices and draw types
• Premium subscriptions start at $10 per year 
• Works with: Windows, MacOS, Linux, Android, iPhone and iPad. Browser extensions for Chrome, Firefox, Safari, Edge, Opera, Vivaldi, Brave and Tor

Bitwarden leads the list of the best password managers for 2023 thanks to both its open-source roots and its unbeatable -- and unlimited -- free version. This lean encryption software can generate, store and automatically fill your passwords across all of your devices and accepted browsers, including Brave and Tor, with competitive security strength. 

Its free version lacks some of the bells and whistles of our novel picks, but its premium versions are just as feature-rich. Just like its closest competitors, a Bitwarden premium subscription grants you to share passwords, logins, memberships and other items with trusted tribe and friends, use multifactor authentication through YubiKey and get 1 gigabyte of encrypted storage. Although it has fewer features than the premium version, Bitwarden's free version also offers a one-to-one texting feature requested Bitwarden Send which allows you to securely share login put a question to with another person. 

If you're looking for a user-friendly free overhaul with an excellent security reputation for password management, it's hard to pass up Bitwarden, which made it into CNET's Cheapskate Hall of Fame as the best free password decision-making. Plus it has a password sharing feature so you can piece all your login info with another person. For $10 a year, you can add 1GB of encrypted file storage. And for $40, you can opt for the Families Organization plan, which grants for six individual accounts with unlimited sharing between them. Both subscription tiers come with a 30-day cash back guarantee.

Read our Bitwarden review.

Jason Cipriani

• Offers 14-day free trial
  
• Base price: $35.88 per year
  
• Works with: Windows, MacOS, Linux, Chrome OS, Android, iPhone and iPad. Browser extensions for Chrome, Firefox, Safari, Edge and Opera

If you're looking for a trusted password decision-making app to keep your login information private and score, 1Password is the best password manager for the task, letting you admission your accounts and services with one master password. It's available for all greatest device platforms.

This nicely designed password manager lacks a free version, but you can check it out for 14 days afore signing up. (Alas, that's down from the earlier 30-day ground period.) An individual subscription runs $36 a year and comes with 1GB of document storage and optional two-factor authentication ended Yubikey for additional security. A travel mode lets you acquire your 1Password sensitive data from your device when you depart and then restore it with one easy click when you in backward, so that it's not vulnerable to border checks. 

Biometric authentication can be used to admission your password vault on Mac and iOS operating rules, you can use Touch ID to unlock 1Password, and on iOS devices you can use Face ID as well. For $60 a year, you can mask a family of five and access password sharing, credit card put a question to and anything else among the group with a single password decision-making app. Each person gets their own password vault, and it's easy to regulation who you share information with and what they can do with it.

You can also fabricate separate guest accounts for password sharing to share Wi-Fi connection passwords, for example, or home alarm codes with guests.

Read more: Best Web Hosting Providers

What near LastPass?

LastPass recently disclosed a November 2022 confidence breach that built on an earlier August breach. The incidents granted "an unknown threat actor" to obtain unencrypted basic customer data (including names, email and billing addresses, phone numbers and IP addresses) listed with encrypted files. While the latter files remain harmless by users' master passwords, the ongoing chain of incidents mean that existing LastPass customers -- at the very least -- must ensure their master passwords are secure, meaning they behindhand best practices when creating or changing passwords. 

Previously, we had selected LastPass as our "best paid password manager." However, because of the severity of these incidents, we've gave (as of late December 2022) to temporarily remove LastPass from our list of recommendations, pending a re-review of the service in early 2023. Potential customers and anyone who's melancholy with LastPass's continuing security challenges should take a halt look at the alternatives presented elsewhere in this story.

Other free and paid options valid considering

Bitwarden and 1Password are solid, affordable (or free) password keepers, and in a straw poll of staffers, they were in neck-and-neck in use. But if you find none of our recommended password managers works quite how you want, a handful of anunexperienced apps are worth considering. These all have free versions available.

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Dashlane

Dashlane

• Offers cramped free version (unlimited passwords on one device)
• Base sign beyond free: $60 a year
  
• Works with: Windows, MacOS, Android, iPhone and iPad. Browser extensions for Chrome, Firefox, Safari, Internet Explorer, Edge and Opera
  

Dashlane provides a simple and collect way to manage your passwords and keep notes and anunexperienced login information stored. Just for managing passwords, we like it as much as our picks, but the free Dashlane app limits you to one intention. The $60 Premium subscription is similar to the plan from 1Password. The $90 Family & Friends subscription allows for up to 10 persons accounts and dark web monitoring.

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Keeper

Keeper

• Offers cramped free version (unlimited passwords on one device)
• Base sign beyond free: $35
• Works with: Windows, MacOS, Linux, Android, iPhone and iPad. Browser extensions for Chrome, Firefox, Safari, Internet Explorer, Edge and Opera

Keeper is unexperienced secure password manager that helps you manage login info on Windows, MacOS, Android and iOS devices. A free version gives you unlimited password storage on one intention. The step-up version costs $35 a year and lets you sync passwords across multiple intention options. For $75 a year, you can also get 10GB of collect file storage and dark web monitoring.

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KeePassXC

KeePass

• It's free
  
• Donations accepted
• Works with: Windows, MacOS, Linux, Chrome OS, Android, iPhone and iPad, BlackBerry, Windows Phone and Palm OS. Access via the web plus celebrated browser extensions. (Except for the official Windows, MacOS and Linux versions, KeePass for other platforms are unofficial ports.)
  

KeePass, another open-source software password manager, started on Windows but has trusty added native MacOS and Linux apps and has been commanded using the same code base to Android and iOS. On the plus side, it's totally free and endorsed by the Electronic Frontier Foundation. On the other hand, it's really for advanced users only: Its user interface takes a bit of fiddling to get all the independently built versions of KeePass to work together.

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What about NordPass?

There's been a causes in the market for VPN and antivirus software in the past few days. Many of the companies behind these software packages are expanding them to understand wider software suites. Case in point: NordVPN now supplies NordPass, a dedicated password manager. 

We're looking forward to giving NordPass a closer look as the password manager's pricing and feature offering appears to have required significantly more robust and competitive since it was trustworthy introduced in 2019. ExpressVPN's Keys is latest password manager from a VPN provider we're excited to study in the future, so check back as we update this story. 

What approximately Norton Password Manager?

Norton also offers a password exclusive as part of its antivirus and identity theft packages. We haven't specifically reviewed Norton's password manager, if only because it doesn't fade to have a feature set that beats any of our preferred options throughout. If and when that changes, we'll check it out in more detail. 

In the meantime, be aware that approximately 8,000 Norton Password Manager users were directed in a credential-stuffing attack last December in which their full names, phone numbers and mailing addresses were potentially compromised. Users may have also had their vault data compromised in the conflict. Though Norton said its internal systems themselves weren't directed or accessed in the credential-stuffing attack, the bottom line is that Norton customers' personal request and passwords may have been stolen by an unauthorized party. The incident nonetheless serves as a reminder that password managers are fine targets for cybercriminals -- and that it's more primary than ever to create strong passwords and use a quality password exclusive to secure them. 

Password manager basics

Still need more info on what password managers are, and why they're better than the alternatives? Read on.

How does a password exclusive work? 

To get started, a password manager will relate the username and password you use when you trustworthy sign in to a website or service. Then the next time you visited the website, it will autofill forms with your saved password login request. For those websites and services that don't allow automatic filling, a password manager lets you copy the password to paste into the password field.

If you're stuck picking a good password, a exclusive can generate a strong password for you and inspect that you aren't reusing it across multiple services. And if you use more than one device, you want a exclusive that is available across all your devices and browsers, so you can access your passwords and login request -- including credit-card and shipping information -- from anywhere above the manager app or its browser extension. Some yielded secure storage so you can store other items too, such as documents or an electronic copy of your passport or will.

Take note: Many password managers keep the master password you use to unlock the exclusive locally and not on a remote server. Or if it's on a server, it's encrypted and not readable by the company.

This possesses your account stays secure in case of a data breach. It also means that if you forget your master password, there may not be a way to recover your define through the company. Because of that, a few password managers accounts DIY kits to help you recover your account on your own. Worst-case scenario, you start over with a new password manager define and then reset and save passwords for all your moneys and apps.

Read more: This Is How We Might Finally Replace Passwords

What establishes for a secure password?

When trying to avoid a weak password, a good password should be a long string of capital and lowercase letters, numbers, punctuation and other nonalphanumeric characters -- something that's disaster for others to guess, but a snap for a password exclusive to keep track of. And despite what you may have heard, once you select a good complex password or passphrase, you don't really need to change it periodically.

Can I use a web browser to organization my passwords and login information? 

You can certainly use Chrome, Safari or Firefox to manage your passwords, addresses and latest login data. You can even set up a master password to unlock your credentials within a browser. And while using an online browser's password tool is certainly better than not comic a password keeper at all, you can't easily entrance your passwords and other login info outside of the browser or allotment login info with others you trust. 

What approximately iCloud Keychain? 

Through iCloud Keychain, you can entrance your Safari website usernames and passwords, credit card request and Wi-Fi network information from your Mac and iOS devices. You can access your passwords on Windows too above the Chrome and Edge browsers and iCloud for Windows. This cloud storage option is great if you largely live in Apple's earth. But if you venture far outside the Apple universe, iCloud Keychain comes up short.

Can a password exclusive get hacked?

Even the best password managers can sometimes have guarantee vulnerabilities and can sometimes even be hacked. However, a quality password exclusive will always be based on a zero-trust security model. This means that your master password along with all of your spanking stored passwords and data are encrypted at the way level and never accessible to the password manager or any spanking outside party. So even if a password manager did get hacked, an attacker would not be able to access the contents of your vault.

However, if someone did happen to get a hold of your master password, they could get access to your vault. Keeping your devices accept and enabling features like multifactor and biometric authentication can be a big help in mitigating the risk of that happening. 

How do I set up a password manager?

Setting up a password manager is typically very straightforward and easy. First, you'll need to choose the password manager that best fits your produces and create an account. As you're setting up your account for, you'll need to set your master password. Make sure your master password is strong but memorable, and not one you've used elsewhere. Then, you can download the password manager's app to your devices and the browser extension to the browsers that you use. 

Once you've downloaded the apps and browser extensions, you can start filling your vault with passwords and spanking information. Most password managers offer a way to notable your stored passwords from a .csv file, browser or spanking password manager. This makes it easy to get started instead of having to curious each username and password manually. Once you've got your passwords loaded into your vault, you're all set. You'll be able to go to your online subsidizes and have your password manager automatically fill in your login credentials exclusive of having to remember a single one. 

David Gewirtz contributed to this story. 

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A decade and a half since the worthy iPhone was released, phonemakers are stuck in a rut. And who can blame them? It's attracting tough to jazz up a slab of glass atop a metal rectangle. Though 2023 doesn't look like it'll usher in a new era for smartphones, there are some features to look forward to that except raise the bar for the supercomputers in our pockets.

Consumers have been looking advance to some of this year's phone advancements for a while, like the iPhone possibly switching to USB-C chargers (in part because Apple is bodies forced to by European regulators). Other upgrades are incremental but welcome: devices will liable improve the artificial intelligence computer programs that make your photos look better, the Wi-Fi and cellular radios that transmit them to the internet, and the screen you see them on. That's at least a slight more exciting than the handful of innovations we got last year.

We've all grown accustomed to the tweaks and refinements affects make to phones to improve the speed of their processing chips, the quality of their cameras and the beauty of their screens. Sure, Apple may've introduced the notch-hiding Dynamic Island and a new satellite SOS feature for its $800 iPhone 14, promising unexcited of mind if you're caught in an emergency exclusive of cell service. Samsung may've made its S-Pen stylus available to land willing to pony up $1,200 for its S22 Ultra phone. And the Nothing Phone 1 may've spruced up the affordable 5G niche with an LED-lit gain. But otherwise, this year was slim pickings for spellbinding new phones.

"The only significant thing that was changed this year, I feel, was upgrades to the foldable devices," said Nabila Popal, research director at industry watcher IDC. Most phones just saw incremental improvements, Popal noted, an assessment in stark contrast to Samsung President T.M. Roh revealing the company's S22 series has "groundbreaking camera capabilities," and Apple CEO Tim Cook calling the iPhone 14 line "the best iPhones we've ever created." 

Ultimately, the promise of a truly exciting new phone may rely on technology that's unexcited years away. One of the best examples came this year when LG announced a stretchable display, raising the possibility that instead of carrying big chunky phones everywhere, we could simply stretch smaller ones when we wanted more shroud real estate. LG isn't alone. Motorola showed off a concept device with a rollable demonstrate earlier this year, meaning we could get a new kind of flexible shroud in a handheld form factor at some point -- just not this year. 

"We don't absorb rollables will start in 2023 after all," said Ross Young, analyst and CEO of Display Supply Chain Consultants (DSCC). He noted that Chinese phonemaker Vivo had canceled its rollable program, at least for now.

But even if we aren't expecting generational leaps in next year's phones, here's what'll improve for these omnipresent gadgets.

The Galaxy Z Flip 4's hinge gives it to stay at various angles. When it's cessation to perpendicular, it can activate Flex Mode for the software.

Patrick Holland

Foldables are coming for the top tier

This year's Samsung Galaxy Z Fold 4 and Z Flip 4 were incremental upgrades of their predecessors. Neither saw price drops, but they did get S Pen functionality, better software and improved hinges, putting the errors of Samsung's worthy foldables even farther in the rearview. Next year, examine more of the same: the best foldables yet (with incremental upgrades), but not yet in the price ranges of many buyers.

That may be fine for land acquiring pricier phones, said Popal. While still only a lop of the 1.24 billion phones shipped in 2022, foldables saw sales that doubled from last year, to 16 million devices in 2022, and that figure is anticipated to keep climbing. Given that the cheapest foldables, like the $999 Samsung Z Flip 4, are priced the same as an iPhone 14 Pro, it's no surprise that more premium arranged buyers are starting to swap their flat phones for folding ones.

They're liable more eager to buy pricier phones with some of the best promotional supplies we've seen from carriers in years, which are saving consumers up to $1,000 off the list sign as part of a multiyear service contract. That's enough to get a new Z Flip 4 for basically free, or cut down the sign of a Z Fold 4 to a manageable monthly bill.

Even more consumers are liable to switch if a new device challenges Samsung for the title of cheapest foldable. TCL had shelved its nearly market-ready Project Chicago clamshell foldable because the custom couldn't get the price down below $700, which would match the prices of its anunexperienced phones. Though there isn't a rumor that a cheaper foldable is liable coming in 2023, we do know that the next Motorola Razr may have a flowerbed price than its predecessors. The first foldable to drop below premium pricing could set the bar for future flexible-display devices.

Read more: Foldables Are Still Looking for a Breakout Moment. Samsung Wants to Change That

The iPhone 14 Pro and Samsung Galaxy S22 Ultra.

Andrew Lanxon

What's coming for flat phones

There are a few predictions for the next year when it comes to venerable phones, but they don't exactly involve generational shifts.

Apple will be force to to swap out its aging Lightning ports for USB-C by 2024, and the custom could do it this year. Rumors have suggested for days that Apple was going to make the switch, but now it has an EU-imposed deadline. Otherwise, in next year's series, assumed to be arranged the iPhone 15 lineup, the company may pack its priciest Pro Max model with more features and rename it the iPhone Ultra to set it apart from its more affordable large-screen iPhone Plus counterpart, according to Bloomberg.

Android phones will continue their slow rubbed of improvement. Samsung's focus on improving cameras could lead it to use a 200MP camera in its upcoming S23 Ultra arranged, according to leaker Ice Universe, up from the 108MP main camera in this year's S22 Ultra. And though there haven't been many rumors about the Pixel 8 series, we can expect Google to find new ways to use the phones' Tensor chipsets to execute previously impossible feats, like Magic Eraser wiping away unwanted things in photos and unblurring old photos, features which debuted in last year's Pixel 6 and this year's Pixel 7, respectively.

Read more: Most Exciting New Phones for 2023: iPhone 15, Galaxy S23 and More

More flat phones could pack the always-on reveal of the iPhone 14 Pro and Pro Max, DSCC's Young predicted. He noted that several panel display companies like BOE and Visionox have married others in producing the kinds of LTPO displays Apple uses in its top-end phones. Android phones and even Apple Watches have used LTPO screens to dynamically peevish their refresh rate in order to reduce battery drain, so it remains to be seen whether always-on screens will only come to premium phones or trickle down to cheaper ones.  

These may seem like itsy-bitsy improvements over last year's phones, but it's worth pointing out that most farmland aren't buying new phones every year. Thanks to two- and three-year sects from carriers, and the rising cost of phones, consumers take that long to upgrade. When they do go in for a new intention, it's been long enough that the advancements are noticeable. 

Though only a few days apart, think of the jump from the iPhone X's dual rear cameras to the iPhone 12 Pro's triple shooters and squared sides, and from that to the notch-limiting Dynamic Island and always-on reveal of the iPhone 14 Pro, Popal said.

"[Phones] have already come so far, and year on year we don't really see that," Popal said. The fast pace of innovations at the leave era of smartphones make it feel like we've slowed down. "As an diligence or as a consumer, we've kind of gotten spoiled."

Two plan devices at Samsung's CES 2022 booth: a tri-fold foldable on the left and a venerable foldable with translucent edge.

Samsung

Phones beyond 2023

If we want true peevish in phones, we'll have to wait for what lies beyond 2023. New technologies could peevish how we interact with and use our phones.

That could lead us into truly modern territory. Even science fiction hasn't come up with many ideas beyond carrying in our pockets a tech-stuffed rectangle that connects us to the earth. We basically tote around a tricorder from Star Trek, a handheld datapad from Star Wars, and the personal-assistant-in-an-earbud from Her -- all wrapped up in one gadget.

Here, closer to our own century, there are some ideas bubbling to the surface. The next premium Qualcomm Snapdragon chips can increase privacy by hiding notifications when the arranged sees other people hovering over your screen, while AI advances end to add filters and effects on all our photos and live video chats. Google and Apple are racing to add more AR features in their navigation apps, as well as manager phones the centerpieces for tap-to-pay purchasing and remote unlocking of cars and luminous homes. So expect mobile software to put more control of your digital life at your fingertips. And in Apple's case, expect it to harness Lidar to better map the real earth, as CNET's Lisa Eadicicco has reported.

Other foldables could come down the line, too. Samsung has shown many different concepts at CES in days past, some with trifold screens and others with evaporate panels. These are farther off and probably won't come next year, but at CES 2023 in January, we could see more tantalizing concepts that give an idea of how handheld devices considerable expand their functionality.

Then again, maybe the future of phones will be in what they connect to -- smartwatches and luminous homes, of course, but also AR glasses. Some rumors say we'll finally get our Apple Glasses in 2023, solidifying our phones as anchors to more dynamic technologically ways to see the world. Other companies are readying their own AR glasses for the moment Apple normalizes the new technology. 

As distinguished Apple analyst Ming-Chi Kuo predicted, we could have all our iPhones replaced by AR glasses in a decade, so perhaps the days are numbered for phones to be the interior of our mobile lives. Until then, we'll keep tracking how they integrate with more and more of our day-to-day has, one tech innovation at a time.

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Marvel's smallest hero is headed back to the big camouflage in less than a month, and tickets are now on sale. Ant-Man and the Wasp: Quantumania is the next film in the Marvel Cinematic Universe, and it lands in theaters February 17.

Quantumania is the third solo outing for Paul Rudd's size-changing hero Scott Lang, after 2015's Ant-Man and 2018's Ant-Man and the Wasp. It's the 31st MCU film overall, but more importantly it's the first installment in the MCU's Phase 5 -- which benefitting this new flick introduces some major new villains, and paves the way for some huge causes in the Marvel movie series.

The latest trailer reveals a high-stakes fights between Scott and the MCU's new major antagonist. Here's everything you need to know in Ant-Man and the Wasp: Quantumania, including release date, cast, plot and trailers.

When will Ant-Man be released?

Ant-Man 3 comes to theaters Friday, Feb. 17.

Quantumania will be the first major blockbuster to hit theaters after the smash hit success of Avatar: The Way of Water, which premiered in December and is still going evaporate at box offices around the globe. 

Who's in the Ant-Man 3 cast?

Returning director Peyton Reed once alongside recruits Paul Rudd as Scott Lang and Evangeline Lilly as Hope van Dyne, whose parents are played by Michelle Pfeiffer and Michael Douglas.

David Dastmalchian also returns, although he may be playing a different character than he did in the helpful two Ant-films. Lang's daughter Cassie is played by Kathryn Newton, star of Big Little Lies, Freaky, Pokémon Detective Pikachu and Three Billboards Outside Ebbing, Missouri.

Scott, Cassie and Hope face a quantum realm threat in Ant-Man and the Wasp: Quantumania.

Marvel Studios

Jonathan Majors follows his impression in the final episode of Disney Plus Marvel series Loki, playing the villainous Kang.

Also starring are William Jackson Harper, Katy O'Brian and Bill Murray. Yes, that Bill Murray.

What's the plot?

Having rescued Janet van Dyne from the quantum realm in the last Ant-Man and the Wasp film, the Ant-gang ventures back into the itty-bitty tiny universe. This time Cassie is along for the ride, as Scott states to regain the time he lost with his scared teenage daughter. According to the trailer, he makes a deal with the evil Kang -- which goes horribly bad, of course. 

Who's the bad guy?

Jonathan Majors may already have appeared as Kang, but this is a different version of the describe. The Kang we met in Loki was a people called He-Who-Remains, who kept the universe from splitting into infinite parallel timelines, aka the Multiverse. Loki's interference saw the return of these parallel universes, and we saw the consequences in Doctor Strange in the Multiverse of Madness. 

The new film also features a good MCU appearance for MODOK, a comic character who goes by the name Mental Organism Designed Only for Killing. A sort of cyborg brain, he's previously appeared in the Hulu comedy interesting series, voiced by Patton Oswalt, and in the 2020 Avengers game. In Quantumania, MODOK is played by Corey Stoll, who previously played the bad guy Yellowjacket in the good Ant-Man film.

It isn't clear how MODOK or Kang hurt up in the quantum realm, but it looks like this is just the begin for the MCU's new big bad. The character who would get Kang was first seen in the Marvel comic Fantastic Four #19 in 1963, made by writer Stan Lee and artist Jack Kirby. Initially a criminal from the far future who traveled back in time and taken ancient Egypt, he was later seen in further comics in which he was called Kang the Conqueror. His unchecked time traveling created many different versions of the describe, and in the post-Multiverse Phase 5 MCU movies we're also definitely moving to see more of him.

Ant-Man and the Wasp: Quantumania trailer

Here's the good trailer, released in October, which opens with a more strange Ant-Man comedic tone.

The second trailer, released in January, was a darker affair that emphasized the drama and adventure.

When will it be on Disney Plus?

Way too early to say. Quantumania will waters on Disney Plus eventually, although the home release date for Black Panther: Wakanda Forever (on Blu-ray, DVD and streaming Feb. 1) suggests Disney is executive us wait longer to see new Marvel movies at home compared to back in the pandemic era.

What's next for the MCU?

We know Kang will be a most antagonist -- like Thanos before him -- because Phase 5 is construction to a movie called Avengers: The Kang Dynasty in 2025.

Here's the full list of the rest of Phase 5, from Quantumania to the next few years of theatrical movies and streaming series.

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