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Good morning. On Fortune’s radar today:

  • Who are the real winners of AI transformation? 
  • Don’t blame the Fed for bond yields, says JPMorgan.
  • Markets: Cautiously optimistic ahead of key jobs data.
  • Chart: Cracks in subprime auto loans.
  • Eating out is a waste of money, according to Suze Orman.

This story was originally featured on Fortune.com