Categories
Living

Burning Bridges

“We’ll burn that bridge before we get to it!” That’s a favorite quote from a former colleague of mine that always made me smile. Another of his favorites was “What’s your hurry? Here’s your hat!”

This morning I came across this highlight from the book Wild Problems by Russ Roberts. Seems like a good one to end the month of May!

Quote from the book 'Wild Problems' by Russ Roberts discussing decision-making and experiences that affect personal values and emotions.

Categories
Creativity

Flow

Text excerpt discussing Mihaly Csikszentmihalyi's concept of 'flow', emphasizing the importance of fluidity in creativity and productivity, alongside the book cover of 'Where Good Ideas Come From' by Steven Johnson.

I loved Steven Johnson’s description of “flow”: “it is more the feeling of drifting along a stream, being carried in a clear direction, but still tossed in surprising ways by the eddies and whirls of moving water.”

Categories
AI

Reading Tea Leaves: Human-AI Agents

Ben Thompson shared what feels like a very important insight in yesterdayโ€™s Stratechery newsletter:

I think there is a massive AI-enabled opportunity that is currently being missed by all of the major model-makers, or at least their product teams: human-AI agents.

Right now all of the consumer-focused AI interfaces โ€” i.e. the chatbots โ€” are built for a single user… There is a huge productivity unlock, however, that happens when you make them multiuser.

He goes on to describe an interaction he had in the last few days with his assistant Daman:

Last week Daman did some initial research for a complex decision using ChatGPT; he then shared a link to his chat, which meant I could go back to the beginning and trace his assumptions, the back-and-forth of his conversation, and then continue the conversation on my side. After diving deeper into various options โ€” and correcting a few errant assumptions from the beginning โ€” I came up with a promising course of action and, instead of having to explain it all to Daman to follow up on, I simply shared a link to my version of the chat back to him for reference.

What Thompson is describing is team interaction with the participation of a chatbot โ€” like having it as part of the team. Sort of like having a water cooler conversation with a group of colleagues, one of whom (the chatbot) has done a lot of work and is sharing it with the others who then โ€œembrace and extendโ€ its findings.

Ben concludes:

I was absolutely blown away by how well this worked. Instead of replacing Daman with an AI agent, โ€ฆ I accidentally stumbled into a way to supercharge Damanโ€™s value to me: heโ€™s my human AI agent!

Seems like this is such a great idea that it will be quickly embraced by the various team centric platforms. Maybe it already has been somewhere? Reminds me a bit of the NotebookLM podcast capability where you can interrupt the conversation going back and forth between the two hosts.

Fascinating stuff! Look forward to seeing how this evolves as it involves treating AI as an adjunct to human productivity rather than just a white collar job replacement.

Categories
Payments San Francisco/California

The Bankerโ€™s Heart

Back when I was teaching Payments Boot Camps I used to tell stories about the dramatic impact that Dee Hock had on the evolution of the payment card industry globally. One of my favorites was to show a photo of this black granite sculpture and to relate this story of Deeโ€™s about โ€œthe bankerโ€™s heartโ€!

Hereโ€™s a photo of the sculpture that I made on one of my many visits to that building over the years:

The Bankerโ€™s Heart – 555 California Street, San Francisco

Atlas Obscura notes:

The sculpture’s official name is “Transcendence,” and it was sculpted by Masayuki Nagare from 200 tons of black Swedish granite. It was commissioned in 1969 for the A.P. Giannini Plaza of 555 California Street, the building that was originally the headquarters for Bank of Americaโ€ฆ

Categories
AI Creativity Living

Our Human Operating System: Is Our Upbringing Our Personal “System Card”?

Note: the following post was largely generated by Google Gemini 2.5 Flash. I prompted Gemini to draft it after reading Simon Willisonโ€™s post about the Claude 4 Opus system prompt and being struck by the notion of us humans also having our versions of system cards. I asked Gemini to probe and explore that notion along with the related notion of how our life experiences constitute the human version of reinforcement learning. Rather than avoid the use of and being critical of using AI to write for me, Iโ€™m enjoying exploring and learning more about its capabilities! One thing is clear: Gemini 2.5 Flash seems to be an impressive new model!

Simon Willisonโ€™s recent dive into the Claude 4 Opus system prompt got me thinking. He dissects the meticulously crafted instructions that define Claudeโ€™s core behavior, its ethical guardrails, and its fundamental operational parameters. Itโ€™s a fascinating glimpse into how a complex AI is given its foundational โ€œpersonalityโ€ and purpose. But as I read, a parallel began to emerge in my mind, one that brought me back to something far more organic and familiar: ourselves.

Could it be that what we, as humans, are taught and learn from our parents and primary caregivers is, in essence, our own unique, individual “system card”?

Think about it. From the moment we are born, we are immersed in a world of instruction, observation, and subtle conditioning. Our parents, whether consciously or unconsciously, are constantly programming us. They instill values: “Always be kind,” “Honesty is the best policy.” They teach us social norms: “Say please and thank you,” “Don’t interrupt.” They guide our understanding of the world: “Look both ways before crossing,” “Stranger danger.” They impart their wisdom, their fears, their hopes, and their biases, all of which become foundational layers in our burgeoning minds.

This isn’t merely about rote memorization or factual knowledge. It’s about the deep-seated principles that govern our reactions, our decision-making, and our very perception of reality. Just as Claude’s system prompt dictates its default tone and its approach to difficult queries, our upbringing shapes our inherent optimism or pessimism, our tendency towards introversion or extroversion, our inclination to trust or to be cautious.

Consider the parallels more closely. A system prompt aims for consistency and predictability in an AIโ€™s behavior. Similarly, parents strive to create a stable and predictable environment for their children, instilling routines and expectations that foster a sense of security and belonging. This consistency helps to solidify the early โ€œprogramming.โ€

The “ethical guardrails” in an AI system prompt are designed to prevent harmful or undesirable outputs. Our parents, too, establish ethical guardrails. They teach us right from wrong, the consequences of our actions, and the importance of empathy. These lessons, often reinforced through discipline and encouragement, become our internal compass, guiding us away from behaviors that could harm ourselves or others.

Furthermore, a system prompt often defines an AIโ€™s learning parameters and its ability to adapt. Our upbringing isnโ€™t a static, one-time download. It’s an ongoing process. As we grow, we continue to learn from our parents through their reactions to new situations, their advice on navigating challenges, and their own evolving perspectives. This continuous input refines and expands our internal โ€œsystem card,โ€ allowing us to adapt to new information and experiences.

Of course, the analogy isn’t perfect. We are not machines, and our development is infinitely more complex and nuanced than any AI’s. We possess free will, consciousness, and the capacity for self-reflection in ways that current AI cannot. Our “system card” is not a rigid, unchangeable code. It’s a living document, constantly being rewritten and revised by our own experiences, our peer interactions, our education, and our personal revelations.

Yet, the foundational layers laid down in childhood are undeniably powerful. They form the default settings, the initial operating system upon which all subsequent experiences are built. Think about how ingrained certain parental phrases or beliefs become. Even as adults, we might hear our own parentsโ€™ voices in our heads when faced with a difficult decision, or find ourselves automatically reacting in ways that mirror their habits.

Beyond the Prompt: The Lifelong Reinforcement Learning of Being Human

If our upbringing is our initial system card, then what about the rest of our lives? Here, the analogy to AI models becomes even more fascinating, specifically through the lens of reinforcement learning.

In reinforcement learning, an AI agent learns to make decisions by interacting with an environment, receiving “rewards” for desirable actions and “penalties” for undesirable ones. Itโ€™s a continuous feedback loop that refines the agent’s behavior over time, teaching it to achieve specific goals.

Doesn’t this sound strikingly similar to the human experience? Our formal education, from kindergarten to university, is a structured environment where we are rewarded for correct answers, for understanding concepts, and for demonstrating skills. Getting good grades, receiving praise from teachers, or excelling in a chosen field are all forms of positive reinforcement that shape our learning and our approach to intellectual challenges. Conversely, failing an exam or struggling with a subject provides negative feedback, prompting us to adjust our study habits or seek different approaches.

But it extends far beyond the classroom. Every social interaction, every career choice, every personal relationship is a mini-experiment in reinforcement learning. We try different communication styles, observe the reactions of others, and adjust our approach based on the outcome. A successful collaboration at work (reward) reinforces certain teamwork strategies. A relationship that falters (penalty) leads us to re-evaluate our emotional intelligence or our communication patterns. Even a simple act like trying a new recipe โ€“ if it’s delicious (reward), we’ll make it again; if it’s inedible (penalty), we learn what not to do.

This continuous stream of feedback, both positive and negative, constantly refines our “system card.” It strengthens certain neural pathways and weakens others. It allows us to adapt our initial programming to the ever-changing complexities of the world. We learn from our mistakes, not just intellectually, but at a deeper, almost instinctual level. The pain of a poor decision, the joy of a success, are powerful motivators that drive our personal “reinforcement learning” algorithm.

Think of it: Our early experiences are the initial dataset, our parents the initial trainers providing supervised learning. But then, as we venture out, we become our own agents in a vast, dynamic environment. We set our own goals, navigate unforeseen challenges, and receive a constant barrage of rewards and penalties, subtly (or sometimes not so subtly) adjusting our internal parameters. We optimize for happiness, for success, for connection, for meaning โ€“ whatever our individual “objective function” may be.

The beauty and the challenge of this human “system card” lie in its malleability. Unlike an AI whose prompt might be a fixed piece of code, ours is dynamic. We have the remarkable capacity to critically examine our early programming. We can identify limiting beliefs instilled in us and actively work to reframe them. We can challenge inherited biases and cultivate new perspectives. This introspection and intentional self-modification are what allow us to transcend our initial programming and forge truly unique identities. It’s our capacity for conscious reinforcement learning, where we can even choose which “rewards” and “penalties” we pay attention to, and which “policies” we decide to adopt.

This perspective also highlights the immense responsibility of parenthood. Every word, every action, every value conveyed, contributes to the shaping of a developing human beingโ€™s fundamental operating system. Itโ€™s a profound act of creation, far more intricate and impactful than any lines of code. And as we grow, the responsibility shifts, allowing us to become the agents of our own continuous learning and evolution.

Ultimately, the idea of our upbringing as a personal “system card” and our lifelong experiences as a form of reinforcement learning offers a compelling framework for understanding ourselves. It acknowledges the profound influence of our early environments while simultaneously celebrating our capacity for growth, adaptation, and self-determination. Just as AI developers meticulously craft prompts and then subject their models to iterative learning, our parents, with all their love and imperfections, craft the initial blueprint for who we become, and then life itself provides the ongoing, messy, and ultimately transformative training data. And that, in itself, is a truly remarkable feat of human design.

Categories
AI

Learning about AI from Tyler Cowen

Great video about Tyler Cowenโ€™s use of AI and some of speculation about the implications of AI.

Hereโ€™s a summary of the video that I created using Googleโ€™s Gemini 2.5 Flash (Iโ€™m blown away by how quickly itโ€™s now possible to get an AI-generated summary of YouTube videos!):

In this talk, economist Tyler Cowen shares his perspective on the rapid advancements and pervasive impact of artificial intelligence (AI) on various aspects of life and the economy. Here’s a summary of the key points:

  • Feeling Like an Idiot: Cowen humorously recounts his experiences using AI, like asking it about the Mayan language and identifying a flower, highlighting how quickly AI demonstrates superior knowledge in many areas [00:23], [00:46], [01:51].
  • AI’s Capabilities: He notes AI’s ability to pass professional exams (bar and medical) [02:53], [03:02], diagnose medical conditions potentially better than humans [03:37], and even offer better “bedside manner” [03:57]. He also mentions its use as a therapist [04:20], for pet care advice [05:09], and for legal counsel [05:31].
  • Transformative Impact: Cowen emphasizes that AI is fundamentally changing various professions like doctor, lawyer, and economist [08:29]. He predicts that competing against AI in knowledge-based fields will likely result in losing [06:37].
  • Rapid Improvement: He highlights the astonishing rate at which AI is improving, citing the example of its IQ score increasing significantly in just one year [09:24], [09:47]. This rapid learning is attributed to AI’s ability to teach and grade itself [10:11].
  • Learning to Work with AI: Cowen suggests that the crucial skill for the future workforce is learning how to work with AI models, comparing it to being a dog or horse trainer [12:09], [13:14]. He emphasizes that no one is currently an expert in this new field [12:17].
  • Different AI Models: He points out the existence of more advanced and expensive AI models that outperform the cheaper, widely available versions [15:01], [15:15].
  • Adapting to the AI Era: Cowen discusses how he is personally adapting as a writer and traveler in the age of AI [16:10], [16:35], [16:58], [18:06]. He also mentions changing his teaching methods to incorporate AI use by students [18:58].
  • Global Impact and Geopolitics: He believes AI will have a significant global impact, potentially offering access to quality education worldwide [20:41], [21:14]. He also raises concerns about smaller countries becoming dependent on AI systems from major powers like the US and China [35:18].
  • Future Opportunities: Cowen is optimistic about the future, predicting the rise of single-person companies with billion-dollar revenues powered by AI [25:10]. He believes AI will be a major driver of economic mobility [27:39].
  • Potential Downsides: He acknowledges the potential for increased laziness due to AI’s ability to answer questions easily and the stress of navigating a rapidly changing world [28:03], [40:55]. He also touches on the objectivity of current AI models compared to traditional media [29:32].
  • Impact on Longevity and Science: Cowen suggests that AI will accelerate progress in science and medicine, potentially leading to significantly longer lifespans and cures for major diseases [31:19].
  • AI as a Revolutionary Force: He concludes by comparing the impact of AI to that of the printing press, emphasizing its potential to revolutionize how we access information and live our lives [39:36], [40:14].

Categories
Kindness Living

Kindness

“Whenever you have a choice between being right or being kind be kind. No exceptions. Donโ€™t confuse kindness with weakness.” (Kevin Kelly, Excellent Advice for Living)

Categories
Creativity

No Idea!

How often does creativity begin with no idea?โ€ฆ

Categories
AI

Product Ideas

I started asking some of our AI models for their best thinking on what innovative new products might come about from the new collaboration of OpenAI and Jony Iveโ€™s io. Iโ€™m using this prompt:

Come up with 20 innovative and smart product ideas for a hardware product designed by the merger of OpenAI and Jony Iveโ€™s io.

Hereโ€™s the first one – from Claude Sonnet 4 (released earlier this morning):

20 Innovative Hardware Product Ideas: OpenAI ร— Jony Ive Merger

Here are 20 innovative hardware product concepts that would embody the merger of OpenAI’s AI capabilities with Jony Ive’s design philosophy:

Personal AI Companions

1. Neural Mirror

A seamless wall-mounted display that serves as your personal AI assistant, reflecting your schedule, health metrics, and thoughts back to you through subtle visual cues and natural conversation.

2. Whisper Stone

A smooth, palm-sized device that acts as your personal AI confidant, designed for private conversations and emotional support with haptic feedback that mimics human touch.

3. Ambient Lens

Smart glasses with nearly invisible frames that overlay contextual AI assistance directly into your field of vision without disrupting natural sight.

Creative Tools

4. Ideation Sphere

A levitating orb that captures your voice, gestures, and sketches to help brainstorm and visualize ideas in 3D holographic projections.

5. Composer’s Baton

An elegant conducting wand that translates your gestures into AI-generated music, allowing anyone to compose symphonies through natural movement.

6. Story Loom

A fabric-textured tablet that weaves narratives as you write, with the surface physically changing texture to match the emotional tone of your writing.

Home Intelligence

7. Hearth Hub

A minimalist fireplace-inspired device that becomes the emotional and functional center of your home, managing everything through natural conversation and warm, ambient light.

8. Garden Mind

Sculptural planters embedded with AI that monitor and communicate the needs of your plants while teaching you about botany through gentle, organic interfaces.

9. Kitchen Oracle

A seamless countertop surface that recognizes ingredients and guides cooking through projected instructions and temperature control.

Health & Wellness

10. Pulse Ring

An ultra-thin ring that continuously monitors your health and provides AI-powered insights through subtle vibrations and a companion app with crystalline data visualization.

11. Sleep Cocoon

A bedside device that creates optimal sleep environments while learning your patterns, featuring a breathing light rhythm that synchronizes with your rest cycles.

12. Meditation Stone

A smooth, weighted object that guides meditation sessions through gentle warmth, subtle vibrations, and AI-generated soundscapes.

Communication

13. Translation Pendant

A jewelry-like device that provides real-time language translation through bone conduction, designed as an elegant accessory.

14. Memory Vessel

A beautiful container that captures and preserves family stories, voices, and memories, allowing future generations to have conversations with AI recreations of loved ones.

15. Empathy Bridge

Paired devices for long-distance relationships that share ambient presence, heartbeat, and emotional state through synchronized light and warmth.

Learning & Development

16. Wisdom Cube

A geometric puzzle toy that adapts its challenges to teach everything from math to philosophy, physically reconfiguring itself as you learn.

17. Mentor’s Lens

A desktop magnifying glass that identifies objects and provides rich educational context, turning any surface into a learning laboratory.

Professional Tools

18. Decision Crystal

A multifaceted desktop object that helps analyze complex decisions by visualizing data patterns through light and form while providing AI-powered insights.

19. Presentation Wand

A minimalist pointer that transforms any surface into an interactive presentation space, responding to natural gestures and voice commands.

Accessibility & Care

20. Guardian Angel

A discreet wearable device for elderly or vulnerable individuals that provides AI companionship, health monitoring, and emergency assistance through elegant, non-stigmatizing design.


Design Philosophy

Each concept emphasizes the marriage of cutting-edge AI functionality with Ive’s signature approach:

  • Radical simplicity
  • Premium materials
  • Intuitive interaction
  • Design that feels both futuristic and timeless

The products focus on enhancing human capability rather than replacing human connection, with interfaces that feel magical yet completely natural to use.

Categories
AI Audio ChatGPT Computers iPhone Tools

Voice is not what I needโ€ฆ

Itโ€™s been a busy week of announcements in tech land what with Microsoft Build, Google I/O, and yesterdayโ€™s tease of an announcement by OpenAI and itโ€™s acquisition of Jonny Iveโ€™s company โ€œioโ€.

Industry pundits are all a Twitter speculating about what kind of device Ive and his team might make to deliver an amazing AI experience to users. Ive seems to regret how โ€œhisโ€ iPhone has created such an addiction to screens and seems to want to repent by bringing us something new and โ€œbetterโ€. For more, see this tweet: https://x.com/mingchikuo/status/1925543472993321066?s=46

I have one simple request: donโ€™t make voice the primary interface to some new magical device.

Iโ€™ve had an iPhone with some serious voice input capabilities for years and the reality is that I rarely use voice. Perhaps if my life was just โ€œbowling aloneโ€ Iโ€™d find it natural to just talk out loud to a piece of technology. But Iโ€™m mostly around other people all day and out of respect for them I simply prefer being silent.

Until some new magical device can capture my thoughts without either voice or keyboard input, I will remain a skeptic. Skeptics like me will reduce the market size opportunity for any such new device. Just sayinโ€™โ€ฆ