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In many ways, the world is a much friendlier place for members of the LGBTQ+ community on this, the 56th anniversary of the Stonewall uprising, than it was a lifetime ago. But that doesnt make navigating American life while queer any less frightening. In addition to the federal government making overt attacks on LGBTQ+ rights, many of the same invisible barriers that kept the LGBTQ+ community impoverished a lifetime ago are still at work today. Financial marginalization may seem like small potatoes compared to fighting for the right to exist, but the unacknowledged systems keeping the LGTBQ+ wealth gap in place are the same systems working to erase queer history. Illuminating these hidden financial systems is the first step toward bridging the wealth gap. The problem: family estrangement Gay and lesbian young adults are 86% more likely to report estrangement from their fathers than their straight counterparts, according to a 2022 National Institute of Health study, and a recent U.K. survey found that 46% of LGBTQ respondents between the ages of 18 and 25 are estranged from at least one family member. Estrangement is painful enough, but it can also put queer kids at serious financial risk. LGBTQ+ youth have a 120% higher risk of experiencing homelessness compared to the general population. But even if coming out doesnt completely sever the familial relationship, it can change family dynamics, including financial expectations. In the 2023 LGBTQI+ Economic and Financial (LEAF) Survey, 38% of those surveyed said they lost the option of relying financially on their families after coming out. This leads to things like a significantly higher likelihood of carrying student debt into adulthood and more than double the rate of bank overdrafts compared to the general population. The early loss of direct financial assistance may be the most obvious obstacle to LGBTQ+ wealth building, but Dr. Jenna Brownfield, a queer Licensed Psychologist based in Minnesota, suggests looking at the less clear-cut financial barriers that come with estrangement. Its more than just passing down wealth, Dr. Brownfield says. Its also the knowledge of how to navigate finances. If you dont have a relationship with an older family member to demystify and guide you through things like insurance and taxes, youre left to learn that on your own. Unlike learning how to change a tire, roast a chicken, or apply a perfect smoky eye-shadow effect, it can be more difficult to find reputable and trustworthy financial information on YouTube or TikTokand the lack of this knowledge really hurts anyone who falls afoul of Lady Luck or Uncle Sam. The work-around: chosen family Parents have been cutting off their LGBTQ+ kids from time immemorial, and the queer community has responded by creating a culture of chosen family. Leaning into the cultural legacy of multigenerational queer friendship and found family is an excellent way to help bridge the financial knowledge gap. Though discussing money is typically a taboo topic for discussion, openly sharing hard-won money skills with the younger generation is an excellent way to fight back against marginalization. The problem: lack of access to healthcare Approximately 17% of LGBTQ+ adults do not have any health insurance, which is a major improvement over the 34% of queer adults who were uninsured in 2013, just before the implementation of the Affordable Care Act. But having insurance doesnt necessarily equate to receiving care. A recent Kaiser Family Foundation survey found that LGBTQ+ adults faced higher rates of discrimination and unfair treatment at the doctors office compared to non-LGBTQ adults. Queer adults were also more likely to report going without needed mental health care because of affordability or accessibility. But even finding a caring doctor in network doesnt guarantee affordable healthcare, especially for transgender individuals: 82% of LEAF survey respondents who received gender-affirming care reported spending some money out of pocket. Nearly half (46%) of those respondents spent $5,000 or more, while 33% spent at least $10,000 of their own money. But whether its paying out of pocket for affirming care or avoiding the doctor because of cost (or bad experiences) until the only choice is the emergency room, cutting the LGBTQ+ community out of healthcare becomes another invisible financial drain. The work-around: medical allyship The American system of health insurance doesnt really work for anyone, but it seems to make a special effort to work especially badly for marginalized groups like the LGBTQ+ community. While there is very little that cishet friends of queer folks can do about the obscenely high insurance copays and deductibles, a friend can potentially ride along to doctors visits. There are two good reasons for roping a friend into a doctors appointment. First, since LGBTQ+ folks are more likely to face discrimination and unfair treatment in healthcare settings compared to straight patients, the presence of a friendly ally
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E-Commerce
It can be enthralling to watch artificial intelligence models progress toward a mastery of deep learning. But are we as equally invested in our own abilities to think and learn? The human capacity to think deeply, find meaning, and apply wisdom is what makes us unique. Yet, it is increasingly tempting and easy to rely on the fast, accessible answers that AI provides. In a recent McKinsey study of organizations that use generative AI, only 27% said that employees review all content created by gen AI before it is used. One-third of respondents said that only 20% or less of gen-AI-produced content is checked before use. The antidote in this moment is critical thinking. Critical thinking is sometimes called careful thinking, as it involves questioning, interpretation, and discernment. Critical thinking is not always our default mode, and its already under siege from frequent AI usage. However, critical thinking skills can be taught. Moreover, according to our latest research, leaders with strong critical thinking skills have better outcomes, such as confidence in their ability to lead and lower burnout. Thinking Slow or Not at All Whether it’s a matter of being lazy or economical, humans dont think a lot if we dont have to. This isnt necessarily a bad thing. Researchers estimate that our conscious brains process information at a rate of 10 bits per second. (AI models process data at trillions of bits per second.) So, we conserve our limited mental horsepower for complex tasks rather than wasting it on simple or repetitive tasks. This is why we go into autopilot mode when we drive familiar routes or rely on mental shortcuts to make decisions. (For example, we are prone to judging a persons trustworthiness based on appearance instead of interactions.) Our slow brains have a new, fast friend called AI. Thats a good thing, right? It can be. AI can rapidly process vast amounts of information, recognize patterns that lie beyond human reach, and provoke us to consider new angles. AI-based tools will expand our understanding of business performance, team dynamics, market trends, and customer sentiment. But our new friend can also exacerbate our tendency for cognitive laziness. Remember those mental shortcuts we take? In one shortcut, we overtrust answers from automated systems and dont pay attention to contradictory information, even if its correct. As AI tools become even smarter and slickerand answers are delivered in highly confident tonesthis automation bias can grow. The downside to all of this is the risk of losing ones own capacity for thinking, learning, and reasoning. Guillaume Delacour, global head of people development at ABB, a technology leader in electrification and automation, spoke to us about the importance of critical thinking for leaders in the age of AI. One of the big benefits of AI is that it always has an answerbut this is also a major challenge,” he noted. “It can be too easy to accept the outcomes it generates. Good leaders have always needed critical thinking, but in our AI-enabled workplace, where every question has an instant answer, this skill is even more important. Are You a Strong Thinker? Critical thinking is the ability to evaluate situations objectively and make informed, well-reasoned decisions. It requires us to consider biases, question assumptions, and incorporate multiple perspectives. With critical thinking, its like your brain is doing a workout rather than just lounging on the couch. And, like a physical workout, critical thinking requires discipline, self-awareness, and effort. But the payoff is pretty significant. We recently assessed 227 leaders on their level of critical thinking and divided the group into high and low critical thinkers. We assessed how well each group is likely to operate in the new world of AI, as well as their overall experience as a leader. The differences are striking. Leaders Who Dont Think Will Struggle In a world in which answers can come fast and easily, leaders who score low on critical thinking are at greater risk of letting machines do the thinking for them and becoming increasingly less sharp. Low critical thinkers are 18% more likely to have confirmation bias than high critical thinkers. Confirmation bias is the tendency to look for or favor information that confirms our existing beliefs. Low critical thinkers are 32% more likely to over-rely on gen AI for answers. Low critical thinkers are 36% more likely to demonstrate cognitive failures. Cognitive failures are everyday lapses in memory or functioning during situations we normally are on top of, such as forgetting where you put the car keys. Leaders Who Think Will Thrive Strong critical thinkers have a protective shield against the threats of AI. Critical thinking balances the pull toward cognitive laziness and guards against our natural tendencies to accept and rely on what AI tells us. Moreover, these thinkers have a better experience as a leader. High critical thinkers rate themselves 14% higher than low critical thinkers on their ability to perform well in their roles. High critical thinkers rate themselves 13% higher than low critical thinkers on their ability to lead others effectively. High critical thinkers rate themselves 10% higher than low critical thinkers on their ability to lead confidently into the future. Additionally, high critical thinkers report 21% less burnout in their roles and 16% higher job satisfaction. In important ways, thinking can be a secret weapon for leaders, enabling them to be better at and happier in their jobs. Strengthening Your Thinking Muscle The encouraging news for leaders is that critical thinking is not a you have it, or you dont proposition. Each of us can be a critical thinker, but we need to intentionally rewire our relationship to thinking in order to cultivate this vital leadership skill. Here are a few things to try. Think about your thinking. In the course of a day or week, try taking a mental step back to observe how you think. You could ask yourself questions such as: What is a belief or assumption that I questioned? Did I change my mind about something important? Did I avoid any information because it challenged me? Did I feel uncomfortable in any ambiguous situations? The underlying skill you are practicing here is the ability to observe how you think and to discern what may be influencing your thoughts. Is there a past experience or possible bias that is playing a role? How much does stress or the need for speed factor in? Practice why questions. When looking at a situation, ask yourself why it happened, why it matters, and/or why a particular conclusion was reached. This habit encourages second looks and slows us down to uncover underlying assumptions, potential biases, and hidden logic. This approach not only deepens our understanding but also tretches our ability to evaluate information from multiple perspectives. Make AI your thinking partner. If we are not careful, our predisposition to cognitive laziness will drive us to pick the fast answers that come from AI models versus the deeper mental workout that comes from wrestling with complex ideas or considering underlying assumptions. But that doesnt mean AI cant play a role. When used well, AI tools can be very effective critical thinking coaches, nudging us to consider new angles or refine our arguments. Always make sure you challenge AI by asking questions such as: How did you come up with that result? Why should I believe that what you are suggesting is correct? What questions should I ask to improve my critical thinking? Bigger Comprehension Thinking has always set humans apartsomething to be taught, mastered, and celebrated. In 1914, IBM founder Thomas J. Watson declared THINK as the mantra for the struggling machine organization, saying I dont think has cost the world millions of dollars. We have arrived now at an incredible point when machines can think and learn in ways far surpassing human abilities. There are benefits to thisways in which AI can make us all smarter. The key is to stay alert and grounded in what is uniquely human: the ability to examine an answer with clarity, to grasp whats around and underneath it, and to connect it to a bigger comprehension of the world around us.
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E-Commerce
The biggest technology game changers dont always grab the biggest headlines. Two emerging AI developments may not go viral on TikTok or YouTube, but they represent an inflection point that could radically accelerate the development of artificial general intelligence (AGI). Thats AI that can function and learn like us. Coming to our senses: WildFusion As humans, we rely on all sorts of stimuli to navigate in the world, including our senses: sight, sound, touch, taste, smell. Until now, AI devices have been solely reliant on a single sensevisual impressions. Brand-new research from Duke University goes beyond reliance only on visual perception. Its called WildFusion, combining vision with touch and vibration. The four-legged robot used by the research team includes microphones and tactile sensors in addition to the standard cameras commonly found in state-of-the-art robots. The WildFusion robot can use sound to assess the quality of a surface (dry leaves, wet sand) as well as pressure and resistance to calibrate its balance and stability. All of this data is gathered and combined or fused, into a single data representation that improves over time with experience. The research team plans enhance the robots capabilities by enabling it to gauge things like heat and humidity. As the types of data used to interact with the environment become richer and more integrated, AI moves inexorably closer to true AGI. Learning to learn The second underreported AI technology game changer comes from researchers at the universities of Surrey and Hamburg. While still in the early stages of development, this breakthrough allows robots that interact socially with humans (social robots) to train themselves with minimal human intervention. It achieves this by replicating what humans would visually focus on in complex social situations. For example, we learn over time as humans to look at a persons face when talking to them or to look at what they are pointing to rather than at their feet or off into space. But robots wont do that without being specifically trained. Until now, the training to refine behavior in robots was primarily reliant on constant human monitoring and supervision. This new innovative approach uses robotic simulations to track, monitor, and importantly, improve the quality of the robot interactions with minimal human involvement. Robots learn social skills without constant human oversight. This marks an important step forward in the overall advancement of social robotics and could prove to be a huge AGI accelerator. Self-teaching AI could lead to advancements at an exponential rate, a prospect some of us view as thrilling, others as chilling. AI signal over noise Amazing as they may be to watch, dancing humanoid robots and mechanical dogs can be characterized as narrow AIAI designed only for a specific task or purpose. The feats of these purpose-built tools are impressive. But these two new developments advance how AI experiences the world and how it learns from those experiences. They will dramatically change how technology exists (and coexists with us) in the world. Taken together, these breakthroughs and the work of other researchers and entrepreneurs along similar paths are resetting the trajectory and the timetable for achieving AGI. This could mark the tipping point that turns the slow march toward AGI into an all-out run.
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E-Commerce
Whether weather is always on your radar or merely a passing front of occasional interest, having an on-demand eye on the world around you is one of the most powerful slices of sorcery you can set your sights on today. And this week, I want to introduce you to a worthwhile new weather app I recently encountered thats decidedly different from the others. It isnt meant to replace whatever weather app youre already using, whether thats the one that came preinstalled on your phone or another favorite youve found over time (maybe even one that serves up the forecast with a hilarious side of sass?). Rather, it serves one super-specific purposeand serves it impressively well. And it might just be worth your while to keep around as a complement to whatever other weather wesource resource youre using. Be the first to find all sorts of little-known tech treasures with my free Cool Tools newsletter from The Intelligence. One useful new discovery in your inbox every Wednesday! Your personal precipitation station Most weather apps aim to do it allto be your one-stop spot for every manner of weather info you could possibly wonder about. This weeks Cool Tool is more of a specialist. It does just one extremely specific weather-related thing, but good golly, does it do it well. The app is called Precip. Any guesses about its purpose? If you said it knits you sweaters whilst preparing delightfully steamy stews, (a) excellent guessbut (b) unfortunately, that isnt correct. Precip, as perhaps mightve been your next guess following sweaters n stew, measures the rain and other precipitation around you. It isnt offering up a forecast like most weather apps, in other words. Its actually telling you how much moisture came down in any given areaover any time period you want. And it lets you zoom into a narrow area for supremely detailed and precise info, too, even going down as far as to a specific address. Precip shows you precise precipitation totals for any area you open. Theres just one asterisk: Precips data is limited to the U.S. and Canada, at least for the time being. (Sorry, international pals!) If youre in one of those areas, though, itll take you all of a single minute to start using: For the best and most robust experience, youll want to snag the mobile appavailable on Android as well as on iOS. You can also check rainfall totals by zip code on the Precip website, but you wont be able to zoom in any further to exact locations or to access any of the more advanced data. In the apps, you can search by city, zip code, or street address, and you can see rain totals from the past 12, 24, or 48 hours. You can also save specific locations and then easily track their rain totals over time. You can track rain totals from locations down to a specific street address. Precip offers even more info as a part of its premium subscription, for 20 bucks a year and up. But the apps free version is plenty powerful, and odds are, itll be all you need. (That version also doesnt even seem to have any ads present, as far as Ive seen so far.) Its like having your own personal rain gauge on the groundonly it exists entirely in your purse or pocket, all inside your favorite device. Not too shabby, Id say. Precip is available on the web in a limited form or in a native Android app and iOS app for a more complete experience. Its free at its base level, with optional subscriptions starting at $20-a-year for a variety of extra abilities. The apps do require you to sign in with an email address to use many of their features, but they dont require any other personal infoand the developers say they dont share any data with anyone. Check out my free Cool Tools newsletter for even more useful software surprisesstarting with a standout audio app thatll tune up your days in some delightful ways.
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E-Commerce
For the first time ever, you can eat a real fish that was never alive. In early June, Wildtype, a San Francisco-based lab-grown meat company, received approval from the Food and Drug Administration (FDA) to sell its cultivated sushi-grade salmon saku after a yearslong waiting game. The company is only the fourth to receive FDA approval for cultivated meat in the U.S., joining Upside Foods and Good Meat, which both sell laboratory-grown chicken, and Mission Barns, which focuses on pork fat. Wildtype, meanwhile, is the only company of its ilk focusing on replicating seafood. Wildtypes salmon is not a plant-based meat alternative; its actual salmon, derived from Pacific salmon cells that have been fed with nutrients like protein, fat, and salt. The end product is a cut of meat that the company says looks like salmon, tastes like salmon and, nutritionally, is like a fraternal twin to the real thing. This new form of lab-grown meat is debuting just as the budding cultivated meat industry has become a political flashpoint among some conservative dissenters. [Photo: Wildtype] How a former brewery became a lab for growing fish Wildtype was founded in 2017 by Justin Kolbeck, a former diplomat, and Aryé Elfenbein, a cardiologist. Kolbeck says the two shared an interest in entrepreneurship, as well as a desire to pursue new solutions to global food insecurity. At the time, Elfenbein was working on a project that involved the regeneration of damaged human heart tissuea process that led him to wonder how a similar process might be used to create meat products without actually harming any animals. From there, the idea for Wildtype was born. For nearly a decade, Kolbeck and Elfenbein have been working on perfecting their cultivated seafood concept, building out a staff of around 80 employees along the way. Wildtypes cultivation facilitywhich Kolbeck believes to be the only cultivated seafood manufacturing facility anywhere in the worldis located in a former San Francisco brewery. Its an ideal location, Kolbeck says, because, as it turns out, growing fish in a lab is fairly similar to brewing beer. To date, the company has raised $139 million, according to PitchBook, with investments from Maven Ventures, Leonardo DiCaprio, Robert Downey Jr., Jeff Bezos, and food giant Cargill. Wildtype cofounders Justin Kolbeck and Aryé Elfenbein [Photo: Wildtype] All of the fish that Wildtype is currently making starts with the copies of one set of Pacific salmon cells harvested back in 2018Kolbeck says you can imagine this almost like a sourdough starter, which can be used over and over again for new loaves of bread. The first step of the cultivation process involves growing those cells in increasingly large vessels, starting at the 75-liter size and going up to several thousand liters. To stimulate growth, the salmon cells are fed with a nutrient mix that Kolbeck says is not much more complicated than Gatoradea combination of amino acids, vitamins, proteins, and fats. [Photo: Wildtype] The reason it’s a lot like brewing is because in brewing, you need to keep a nice, contained environment that, in the case of beer, keeps the yeast and other things actively growing and converting the feedstock into beer, Kolbeck says. In our case, we need to keep our salmon cells at a consistent temperaturefish are cold-blooded, so we need to keep them cool. We need to control the oxygen level, because cells need, just like in our body, they need oxygen to keep growing healthy. We need to control the pH, keep it in balance, similar to what you’d find inside the fish. Once the cell-growing process is complete, the cells are rinsed and combined with a mixture of plant-based ingredients to lend them both structure and some additional flavor. Kolbeck says the actual tasting process required countless rounds, which includes himself, Elfenbein, Wildtypes wider staff and, in later stages, outside chefs. When you’re starting to make a food literally from the ground up, there’s just a lot of work to be done, Kolbeck says. Like, where do you even start? How do you build that into a product that looks and tastes like people would expect for a seafood product? That took a long time and, honestly, it was trial and error. I have eaten so many things over the last three years, some of them really delicious . . . a lot of them not. But that’s like any kind of food development space. I imagine the process for developing new Doritos is probably pretty similar. [Photo: Wildtype] Designing an entirely new kind of food Making a new Dorito flavor, though, likely doesnt present quite as many regulatory obstacles as designing an entirely new category of food. Kolbeck says the FDAs approval process was rigorous, often requiring the team to compile data that would take months to collect. From our perspective, it is totally appropriate for a process like this to take a long time. Because we should have our food regulators feeling comfortable, like they can ask us any question they want, and we’ll answer it with data, Kolbeck says. All of the analytical testing that we did was done by third parties, so that takes time. From a startups perspective, that was a really painful process, but a really important one. [Photo: Wildtype] The result of Wildtypes yearslong efforts is a meat product that has the same amount of omega-3s and omega-6s as regular salmon, without any risk of mercury, microplastics, or parasites. (Kolbeck admits, though, that his team is still working on boosting the protein content.) Instead of trying to make the product available commercially, Wildtypelike other cultivated meat companieshas decided to debut it at high-end restaurants. Currently, it is available for around $32 at Kann, a Haitian restaurant in Portland, Oregon, and is coming soon to Otoko, an omakase (chef’s choice) spot in Austin. And, Kolbeck adds, Wildtype is already in the process of perfecting its existing recipe and bringing new and improved products to the market. [Photo: Wildtype] How lab-grown meat became a conservative target Wildtype is making its debut as lab-grown meat has become a point of contention for some conservative lawmakers over the past several months. Last March, Florida Gov. Ron DeSantis approved a bill to ban and criminalize the production and sale of cultivated meat in the state. That May, DeSantis said of the bill: Florida is fighting back against the global elites plan to force the world to eat meat grown in a petri dish or bugs to achieve their authoritarian goals. Nebraska Gov. Jim Pillen, whose state has passed a similar prohibition, described the effort as a way to battle fringe ideas and groups to defend our way of life. Along with Florida and Nebraska, the states of Alabama, Indiana, Mississippi, Montana, Texas, and Wyoming have all either attempted or succeeded in passing legislation banning lab-grown meat. Conservative arguments against lab-grown meat tend to frame the idea as both a woke proposition and a threat to existing meat industries. But even some ranchers are pushing back against the dissent. This February, a group of ranchers and meat industry groups in Nebraska formed a coalition to oppose Pillens ban, arguing that consumers should be the ones to choose whether the product is available. [Photo: Wildtype] Kolbeck tends to agree. I feel like most Americans would not be happy that state governments are trying to tell them what they can and can’t eat because of special interests. It’s just not who we are as a country, he says. The market needs to decide these thingsnot lobbyists in smoky back rooms. Furthermore, while critics might argue against lab-grown meat to protect the poultry and beef industries, about 80% to 90% of seafood is actually imported to the U.S, he adds. In fact, this April, the White House issued an executive order to find new ways to make more seafood domestically. It’s, like, hey, we get it if you want to protect domestic industries. But this is not a domestic industry, Kolbeck says. We import almost all of the seafood in this country. And we are doing exactly what you’re trying to do, which is getting small businesses in this country to create more food domesticallyand it has all these other add-on benefits. Can you imagine the carbon fooprint of overnighting bluefin tuna from Tokyo to San Francisco? . . . Not low.
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E-Commerce
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