What ChatGPT Thinks About This Blog

Here’s what I found on LifeUnderwriter.net (the blog):

  • It is a blog hosted on WordPress at [lifeunderwriter.net] titled “Curated Content From a Life Underwriting Professional”. lifeunderwriter.net+2lifeunderwriter.net+2
  • The posts cover a variety of topics — not strictly life-insurance underwriting: health topics, longevity, demographics, lifestyle commentary. For example, a post from September 2024 titled “The Placebo Effect: When the Mind Becomes the Medicine” touches on aging and life-expectancy issues. lifeunderwriter.net
  • The blog seems to be running for a long time: there are archived posts going back at least to November 2013. lifeunderwriter.net+1
  • It appears to use standard blogging content and isn’t obviously a commercial site for underwriting services or a carrier guide. It seems more personal / commentary-oriented rather than strictly professional underwriting guidance.

My assessment

  • If you were looking for professional underwriting guides (for example, detailed carrier requirements, rating classes, medical tables, etc.), this blog may not be the best or most authoritative source — it seems more reflective/opinion-style rather than official.
  • If you were interested in someone’s perspective who works in life underwriting and writes broadly about risk, life-expectancy, aging, etc., then this blog could be quite interesting.

Think Again About Outsourcing Your Thinking 2.0 (if you can)

Michael Gerlich, head of the Centre for Strategic Corporate Foresight and Sustainability at SBS Swiss Business School, began studying the impact of generative AI on critical thinking because he noticed the quality of classroom discussions decline. Sometimes he’d set his students a group exercise, and rather than talk to one another they continued to sit in silence, consulting their laptops. He spoke to other lecturers, who had noticed something similar. Gerlich recently conducted a study, involving 666 people of various ages, and found those who used AI more frequently scored lower on critical thinking. (As he notes, to date his work only provides evidence for a correlation between the two: it’s possible that people with lower critical thinking abilities are more likely to trust AI, for example.) Like many researchers, Gerlich believes that, used in the right way, AI can make us cleverer and more creative – but the way most people use it produces bland, unimaginative, factually questionable work. Are we living in a golden age of stupidity?https://www.theguardian.com/technology/2025/oct/18/are-we-living-in-a-golden-age-of-stupidity-technology

Yikes.

Some Common Sense on Artificial Intellignce

If you’re using these systems for anything that matters, you need a verification pass that goes way beyond a lazy skim. That means detail-oriented human work — you must check every claim, every diagram, every link, every word, every line of code, every outcome and citation and fact. And who’s best positioned to verify? The very people who are already good at whatever the AI is trying to do: the workers it’s supposed to replace.

Doctors can check medical claims. Senior programmers can check AI coding outputs. Strong copywriters can check that whatever GPT writes sings — they know a good turn of phrase when they read it and can make sure each paragraph flows from the one before it.

That’s the biggest irony of AI work. If you’re not already good at the task it’s doing, you can’t tell if what it generates is good. You don’t have the knowledge or the context. If you don’t know French, then you don’t know if a French translation sounds clunky or if you just told someone to eat shit in your new commercial because of new slang that sounds like the phrase you translated. No, AI won’t take all the jobs. Here’s why.https://www.freethink.com/artificial-intelligence/ai-wont-take-all-the-jobs

The full essay is worth reading. Enjoy!

Think Some More About Outsourcing Your Thinking (if you can)

Artificial Intelligence Breeds Mindless Inhumanity

By Bruce Abramson

July 15, 2025

I began studying AI in the mid-1980s. Unusually for a computer scientist of that era, my interest was entirely in information, not in machines. I became obsessed with understanding what it meant to live during the transition from the late Industrial Age to the early Information Age.  

What I learned is that computers fundamentally alter the economics of information. We now have inexpensive access to more information, and to higher quality information, than ever before. In theory, that should help individuals reach better decisions, organizations devise improved strategies, and governments craft superior policies. But that’s just a theory. Does it? 

The answer is “sometimes.” Unfortunately, the “sometimes not” part of the equation is now poised to unleash devastating consequences. 

Consider the altered economics of information: Scarcity creates value. That’s been true in all times, in all cultures, and for all resources. If there’s not enough of a resource to meet demand, its value increases. If demand is met and a surplus remains, value plummets.  

Historically, information was scarce. Spies, lawyers, doctors, priests, scientists, scholars, accountants, teachers, and others spent years acquiring knowledge, then commanded a premium for their services.  

Today, information is overabundant. No one need know anything because the trusty phones that never leave our sides can answer any question that might come our way. Why waste your time learning, studying, or internalizing information when you can just look it up on demand? 

Having spent the past couple of years working in higher education reform and in conversation with college students, I’ve come to appreciate the power—and the danger—of this question. Today’s students have weaker general backgrounds than we’ve seen for many generations because when information ceased being scarce, it lost all value.  

It’s important to recall how recently this phenomenon began. In 2011, an estimated one-third of Americans, and one-quarter of American teenagers, had smartphones. From there, adoption among the young grew faster than among the general population. Current estimates are that over 90% of Americans, and over 95% of teenagers, have smartphone access. 

Even rules limiting classroom use cannot overcome the cultural shift. Few of today’s college students or recent grads have ever operated without the ability to scout ahead or query a device for information on an as-needed basis. There’s thus no reason for them to have ever developed the discipline or the practices that form the basis for learning.

The deeper problem, however, is that while instant lookup may work well for facts, it’s deadly for comprehension and worse for moral thinking.

A quick lookup can list every battle of WWII, along with casualty statistics and outcome. It cannot reveal the strategic or ethical deliberations driving the belligerents as they entered that battle. Nor can it explain why Churchill fought for the side of good while Hitler fought for the side of evil—a question that our most popular interviewers and podcasters have recently brought to prominence. 

At least, lookup couldn’t provide such answers until recently. New AI systems—still less than three years old—are rushing to fill that gap. They already offer explanations and projections, at times including the motives underlying given decisions. They are beginning to push into moral judgments. 

Of course, like all search and pattern-matching tools, these systems can only extrapolate from what they find. They thus tend to magnify whatever is popular. They’re also easy prey for some of the most basic cognitive biases. They tend to overweight the recent, the easily available, the widely repeated, and anything that confirms pre-conceived models. 

The recent reports of Grok regurgitating crude antisemitic stereotypes and slogans illustrate the technological half of the problem. The shocking wave of terror-supporting actions wracking college campuses and drawing recent grads in many of our cities illustrate the human half. 

The abundance of information has destroyed its value. Because information—facts and data—are the building blocks upon which all understanding must rest, we’ve raised a generation incapable of deep understanding. Because complex moral judgments build upon comprehension, young Americans are also shorn of basic morality 

We are rapidly entering a world in which widespread access to voluminous information is producing worse—not better—decisions and actions at all levels. We have outsourced knowledge, comprehension, and judgment to sterile devices easily biased to magnify popular opinion. We have bred a generation of exquisitely credentialed, deeply immoral, anti-intellectuals on the brink of entering leadership. 

When the ubiquity of instant lookup evolves beyond basic facts and into moral judgments, banal slogans and mindless cruelty will come to rule our lives.  

Is there a way out of this morass?  Perhaps the only one that the ancients discovered back when information, understanding, and morality all retained immense value: faith in a higher power. Because the path we’ve set on our own is heading into some very dark places. 

This article was originally published by RealClearScience and made available via RealClearWire.

My Therapist/Job Loss Counselor is a Chatbot

I have an older post titled My Therapist is a Chatbot and if you liked it you’ll love this story.

Matt Turnbull, Executive Producer at Xbox Game Studios Publishing… looked at everything that has happened this week, particularly the bit where Xbox laid off a bunch of people at the same time Microsoft pledged to invest $80 billion in AI, and decided that not only does he need to give advice to those laid off, but that the advice should come in the form of…AI prompts, which will somehow give responses that will “help reduce the emotional and cognitive load that comes with job loss”. Xbox Producer Recommends Laid Off Workers Should Use AI To ‘Help Reduce The Emotional And Cognitive Load That Comes With Job Loss’https://aftermath.site/xbox-microsoft-layoffs-ai-prompt-chatgpt-matt

The source article contains a screen shot of Turnbull’s LinkedIn post. Well worth reading for the shock value alone.

Yikes.

I’ve Been in Physical Therapy For Over Three Months

Less is more.

We’ve turned the idea of “exercise” into something so loaded these days, only to be validated by a specific kind of intensity. Just uttering the word exercise now can ignite an all-or-nothing mindset, filled with protein obsessions, endless wearable fitness trackers, or even a costly membership to an elite wellness club. I Won’t Be Shamed — Physical Therapy Is Still Exercisehttps://www.popsugar.com/fitness/physical-therapy-still-a-workout-49448831

I used to be a runner. Quite a few years ago my knees told me not to run anymore.

I joined the Y and did the elliptical and treadmills until my knees complained some more. I moved my exercise routine to the resistance machines. Then Covid hit, I cancelled my membership and the months turned into years away from the gym.

I found some resistance bands in the house and started some simple exercises at home. I rejoined the Y and started back with the resistance machines.

Earlier this year my employer offered access to online virtual physical therapy. I took advantage of this benefit from https://www.hingehealth.com/ and have been in physical therapy now for over three months. Less pain (especially my cervical spine, the result of a near fatal encounter with a car), less stiffness, better flexibility, and gradually improving strength. The beauty of the program is availability on demand and it is 100% HEP (home exercise program). Sessions are 10-12 minutes long and you don’t have to leave the house.

Less is more.

I Bet This Is a Big Problem

Is sports wagering a public health crisis?

“Folks might be familiar with this group at Northeastern, the Public Health Advocacy Institute. It is treating gambling as a public health issue and has deemed it a crisis…

“First of all, lots of people, predominantly young men, are losing more money than they can afford gambling on sports, or are developing either full-blown or sort of borderline gambling addictions. To me, that makes it a public health issue.”

Jonathan D. Cohen on how sports gambling became a public health crisishttps://awfulannouncing.com/gambling/author-jonathan-d-cohen-perils-sports-betting.html

The next major health epidemic in the U.S. will not come from a pathogen. This plague has a potential patient population in the tens of millions, limited effective treatments, and is not widely studied in the medical community. I’m referring to sports gambling, an activity that deeply alarms me as a physician who specializes in addiction. Problem gambling can increase the incidence of depression and anxiety and can lead to bankruptcy, homelessness, or suicide. Why gambling addiction is America’s next health crisishttps://kevinmd.com/2025/06/why-gambling-addiction-is-americas-next-health-crisis.html

Yikes.

I’m Taking Your Phone Away (and you didn’t do anything wrong)

The study found that those who had high and increasing addiction to mobile phones and social media platforms were at a higher risk of suicidal behaviors and thoughts. At year four, almost 18% of kids reported having suicidal thoughts, and 5% said they had suicidal behaviors. Teens with ‘addictive’ phone use more likely to be suicidal: Studyhttps://thehill.com/policy/healthcare/5360042-teens-addiction-social-media-phones-suicidal-thoughts/

Here’s the link to the JAMA article https://jamanetwork.com/journals/jama/article-abstract/2835481/

Yikes!