AI tools like ChatGPT and Gemini are reshaping education, helping students finish essays in minutes. But convenience often sacrifices depth and accuracy. Machines can’t interpret nuance or emotion.

Morningstar Quantitative Ratings for Stocks are generated using an algorithm that compares companies that are not under analyst coverage to peer companies that do receive analyst-driven ratings.

Eligibility and Qualifications 1. The contest is open to contestants under the age of 19 as of October 1, 2025 and who have not yet completed secondary school. There is no minimum age. U.S.