My HBL card received repeated OPENAI charges within minutes, but no OTP reached me. I traced what the records actually prove Multiple unrecognized OPENAI transactions reached my HBL credit card within minutes on 28 August 2026. My case raises questions about online card authentication, 3-D Secure and when HBL requires an OTP. At 4:53 p.m. on 28 August, I was at home in Karachi when my phone began showing HBL credit-card alerts. An OPENAI transaction for $10 appeared first. A charge for $18 followed, and within minutes I began receiving repeated $28 transaction alerts. I had initiated none of them. One $28 attempt failed. Several others succeeded. By about 5:02 p.m., the HBL alerts showed successful authorizations totalling $158, although an authorization alert does not by itself establish final posting or settlement. I use ChatGPT Plus, which made the merchant name OPENAI initially look familiar. My billing records soon created a problem with that explanation. OpenAI had al...
A Facebook Post and a Familiar Explanation A Facebook post stopped me this week because I had heard its argument many times before. The writer recalled a conversation with Maulana Abdul Majeed Nadeem about population growth, breastfeeding, birth spacing and the successful experience of Bangladesh. Then came the sentence that caught my attention: Pakistan cannot solve its population problem without the consent of the ulema. I read it again. Something bothered me. Sitting in Karachi, where a few kilometres can separate a university-educated professional family from a settlement struggling with basic health services, I wondered why I should treat the religious scholar as the decisive actor in both households. Pakistan certainly has religious resistance to contraception in some communities. I do not deny it. But I think Pakistan has found the ulema a convenient explanation for a failure that belongs much closer to the state, and the numbers make that argument increasingly difficu...