Podcasts about Drank

Jefferson Dutton (@jeffersondutton), Mike Hanford (@mikehanford), and Tim Kalpakis (@timkalpakis), of The Sloppy Boys, join the 'boys to kick off Drac-Dough-Ber-Fang, a spook-drac-ular month of steaks and stakes with a review of Texas Roadhouse. Plus, a spooky edition of Drank or Stank.Watch this episode at youtube.com/doughboysmediaGet ad-free episodes at patreon.com/doughboysGet Doughboys merch at kinshipgoods.com/doughboysAdvertise on Doughboys via Gumball.fmDownload Cash App Today: https://capl.onelink.me/vFut/8xqcrzj3 #CashAppPod. Cash App is a financial services platform, not a bank. Banking services provided by Cash App's bank partner(s). Prepaid debit cards issued by Sutton Bank, Member FDIC. Cash App Visa® Debit Flex Cards issued by Sutton Bank, Member FDIC, and The Bancorp Bank, N.A., pursuant to a license from Visa U.S.A. Inc. See terms and conditions for the Sutton prepaid card, Sutton debit flex card, and Bancorp debit flex card. Savings provided by Cash App, a Block, Inc. brand. Visit cash.app/legal/podcast for full disclosures.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Josh and Andrew preview Friday's Late Pick 5 at Belmont Park on 9/25/26!Check out our friends at DRF.com for all your horse racing data needs!Follow us on Twitter @wrong_lead​​​​​​Follow us on Instagram and Threads! @otwleadRead our articles and check out our shirts and other merch at www.onthewronglead.com

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Woman Drank Dirty Toilet Water to Pass a Breathalyzer (It didn't work)See omnystudio.com/listener for privacy information.

Send us Fan MailHello friend,After two weeks of technology glitches, today's failed livestream finally drained my battery.So I took my own advice.Twenty minutes later, I felt like I had taken a two-hour nap... and I noticed something much bigger than renewed energy.Maybe filling our cup isn't something someone else does for us. Maybe we learn how to fill our own cups, from the peace and Source already within us, while supportive people simply practice alongside us.Today's episode is a little regroup, a little human reboot, and an invitation to notice where you may already be supporting yourself differently than an older version of you could.And if your battery happens to be blinking red today, this one is especially for you.

Everybody in treatment eventually gets the insight. They can tell you why they drank. They can name the childhood, the trauma, the trigger. And then they wake up the next morning and do the same thing they did yesterday.Natalie Hunter has spent more than twenty years studying why that happens. Her position is blunt: insight alone does not change anybody. What she teaches instead is behavior over belief — that change comes from doing something different, not from finally thinking differently.In this episode, she walks through her Six Stages of Conscious Change, including the one almost everybody misses: the distance between wanting to change and being willing to change. She lays out what she calls the Four Core Human Wounds. And she is direct about where coaching stops and a doctor starts — including for people whose medication is the reason they are alive.Tim also ends up in the chair. What starts as a question about guilt and shame turns into an unplanned, on-air look at a pattern he had never traced before: stealing candy as a kid, the adrenaline, and what he was actually reaching for.Recorded live in front of our clients and staff at Camelback Recovery in Phoenix.What we get into:Why you can say all the right words in a coaching session and still not changeThe difference between desire and willingnessThe “horrification moment” and why it is fuel rather than shameThe four wounds underneath every limiting patternWhy the feeling you are having about your behavior is often the wrong feelingWhat an energy shift actually looks like from the outsideWhere coaching ends and psychiatric care begins

Josh and Andrew preview Friday's Late Pick 5 at Belmont Park on 9/18/26!Check out our friends at DRF.com for all your horse racing data needs!Follow us on Twitter @wrong_lead​​​​​​Follow us on Instagram and Threads! @otwleadRead our articles and check out our shirts and other merch at www.onthewronglead.com

AIUC first got our attention with the NFDG backing, and have just announced a $40M series A today, with the most impressive industry advisor list we may have ever seen for an early startup behind AIUC-1, their agent standard backed by real insurance:From being Anthropic's first product hire to building the standards, testing, and insurance infrastructure meant to make frontier AI deployable, Rune Kvist is betting that the biggest constraint on AI adoption won't be capability it will be trust. In this episode, the AIUC cofounder joins swyx and Vibhu to announce a new $40M round and explain why companies like Cursor, Harvey, Lovable, and ElevenLabs are increasingly confronting a problem that gets harder as AI gets better: who is responsible when autonomous systems fail?We go deep on AIUC-1, the emerging standard for agent security, safety, and reliability; how AI agents are stress-tested for jailbreaks, hallucinations, and data leaks; and why Rune thinks standards and insurance could become critical infrastructure for AI. We also discuss the growing trust gap between governments and frontier labs, AI-enabled cyber and biological risks, why every model can ultimately be jailbroken, what happens when a $20 coding agent causes $200M of damage, whether AI engineers should be certified, and why even after AGI there may be one job the labs can never do themselves: be their own watchdog.We discuss:* Why risk, liability, and trust may become the binding constraint on AI adoption* Rune's path from reading the Scaling Laws paper to joining Anthropic in its earliest days* What Anthropic understood about scaling, compute, and the future years before it became obvious* Why Waymo illustrates the gap between AI capability and real-world deployment* AIUC's $40M round and work with Cursor, Harvey, Lovable, ElevenLabs, and other frontier AI companies* AIUC-1: a standard for AI agent security, safety, and reliability* How agents are tested for jailbreaks, hallucinations, and data leakage* Why most AI companies optimize the happy path without seriously stress-testing adversarial cases* Why AI standards may need to update every quarter instead of every decade* The emerging trust gap between frontier AI labs and governments* Cybersecurity, child safety, biological weapons, and the expanding frontier-model risk surface* Why standards and insurance may need to evolve together* How Lloyd's of London can insure AI systems and bring trust to enterprise deployment* What happens if a $20 Cursor subscription contributes to a $200M plane crash* The Air Canada chatbot case and how AI failures are beginning to clarify legal liability* Why copyright may be one of the hardest AI risks to insure* Evals, mechanistic interpretability, monitoring, and models becoming aware they're being tested* The impossible CISO mandate: adopt AI fast, but don't let anything go wrong* Why robotics will make AI liability dramatically more consequential* Whether AI engineers should have Level 1, 2, and 3 certifications* AIUC's roadmap across agents, frontier models, robotics, and universal red teaming* Why AGI could become a question of national sovereignty* Why the labs can never fully serve as their own watchdogs* The Big Short problem: how do you stop competing watchdogs from racing standards to the bottom?Rune Kvist* LinkedIn: https://www.linkedin.com/in/runekvist/* X: https://x.com/RuneKvistAIUC* https://aiuc.comTimestamps00:00:00 AIUC's $40M Round and the Risk Bottleneck for AI00:01:07 From Scaling Laws to Early Anthropic00:07:58 Why Trust, Not Capability, Could Limit AI Adoption00:12:19 Founding AIUC and Building AIUC-100:18:52 How AI Agents Are Audited and Stress-Tested00:25:26 Frontier Models, Government, and the AI Trust Gap00:33:32 Cyber, Child Safety, and AI-Enabled Biological Risk00:38:14 Why Standards and Insurance Belong Together00:41:45 What Does an AI Insurance Policy Actually Cover?00:50:44 The $20 Cursor Subscription and the $200M Plane Crash00:53:53 AI Liability, Monitoring, and Earning Enterprise Trust00:56:21 From AI Agents to Models to Robotics00:58:29 Copyright, Adverse Selection, and AI Insurance01:03:28 Evals, Mechanistic Interpretability, and Eval Awareness01:08:36 The Impossible Enterprise AI Mandate01:11:52 Prediction Markets vs. AI Audits01:14:43 Should AI Engineers Be Certified?01:19:10 AIUC's Roadmap, AGI, and Who Watches the Watchdogs?TranscriptIntroduction: AIUC, the $40M Series A, and Risk as the Adoption BottleneckSwyx [00:00:00]: Okay, we're in the studio with Rune from AIUC, the Artificial Intelligence Underwriting Company, with our trusty co-host, Vibhu. Welcome.Rune Kvist [00:00:10]: Thank you. Thanks for having me. Thank you.Swyx [00:00:11]: What are you announcing today?Rune Kvist [00:00:12]: We have raised $40 million, led by Ribbit Capital and First Harmonic.Swyx [00:00:17]: You first came to my attention when Nat and Daniel invested in you guys. Is the story, like, pretty much the same? Like, what are you today versus what you thought you were back then?Rune Kvist [00:00:26]: When we raised our seed round, we had a hypothesis that at some point risk was going to hold down adoption. At that point in time, that felt kind of hypothetical, and I think that is now over. Clearly, the moment is now with Mythos and Fable. It's pretty obvious that literally the binding constraint on adoption is risk. And so for us, it feels like this is a natural continuation of the same hypothesis, but where previously it was speculation, now it feels like fact.Swyx [00:00:54]: And let's get a list of the customers that you're highlighting as part of your Series A.Rune Kvist [00:00:58]: Totally. Yeah. So we are now working with folks like Cursor, Harvey, Lovable, ElevenLabs.Swyx [00:01:05]: Yeah. Amazing. Congrats.Rune Kvist [00:01:06]: Thank you.Swyx [00:01:07]: So you were famously one of the first hires involved in GTM and product. I'm just kind of curious: what was your path into AI? Just recap.Rune's Path Into AI: Scaling Laws, Capital, and AnthropicRune Kvist [00:01:18]: Yeah.Rune Kvist [00:01:19]: Late 2021, I sold a company, my first company, an edtech company. I had a bit of time to think about what was next. I came across the Scaling Laws paper, and that just struck me like lightning. I was just like, “This is a big idea.” In short, the Scaling Laws paper just says the bigger the model, the smarter the model.Swyx [00:01:38]: So this is the Kaplan one, not the Chinchilla one?Rune Kvist [00:01:40]: Exactly, the Kaplan one.Swyx [00:01:42]: Yeah.Rune Kvist [00:01:42]: And the important thing that clicked for me there was, oh, now capital will understand this. If you put in more money, you get more money out, and so that will kick off a hype cycle. And so you get a sense of predictable returns, which is, in fact, what's played out. And so I just packed my bags. I'd never been to San Francisco. I'd never been there. I just packed my bags, flew out here to find the people who had written it. And at the time, they had just started a small lab called Anthropic. There were around 40 people at the time or so. Drank a bunch of coffee until I eventually got introduced to Dario. And at the time, they were wrestling with some of these questions of, like, should we deploy our models? Should we make revenue? How should we engage with the rest of the world? They'd just broken off from OpenAI, and it's been publicly reported that they were kind of concerned with how they were dealing with deployment. So they were wrestling with some of those questions. At this point, this is early fog of war, like early 2022. The hottest product at the time was, like, Jasper. Like, there's nothing out there. So where value was going to accrue, and what the different parts of the stack were going to be, were all open questions.Swyx [00:02:48]: I want to highlight to people, you ask these questions because you have a PPE background.Rune Kvist [00:02:52]: Yes.Swyx [00:02:52]: I actually was in Singapore in one of the sort of feeder programs for prepping people for PPE. So I had a tutor. We learned, you know, philosophy and politics and economics. But, like, I think your kind of background matters. Machine learning people who read the neural, Scaling Laws paper would not necessarily draw the same conclusions that you did. Whereas any capitalist would read that and go, “Holy s**t.”Rune Kvist [00:03:19]: Correct.Swyx [00:03:20]: Right?Rune Kvist [00:03:21]: Yes.Swyx [00:03:21]: Who tipped you onto that paper? Because it's not a paper that you normally read, right, like, in your circles?Rune Kvist [00:03:26]: Yeah. I think I'd actually, ever since AlphaGo, had some appreciation that AI was a big deal.Swyx [00:03:36]: Yeah.Rune Kvist [00:03:36]: But it kind of felt like it raised all these kind of interesting philosophical questions, but it was kind of not clear from afar where exactly that would go. But it was obvious enough that it was like, this is going to be a big thing if we find the kind of right mechanism to kind of get the techno-capital machine to work on this. But it was just not clear. And so I think there was some way in which, like, that became obvious, and also it wasn't as obvious at the time than it is now, right? Like, it was just like, wow, this is so interesting. But it still felt, coming from kind of a philosophy and economics background, it felt like if this turns out to be true, you're going to be wrestling with all of the big questions in society. Everything you've learned about politics gets thrown out of the window. Everything you've learned about economics at least gets challenged. And so what felt interesting was to be at that frontier that has ramifications across everything. So that's why I sought it out.Swyx [00:04:32]: I mean, clearly really good insight. For people who don't know, the PPE program is, like, where prime ministers are born. So then you end up meeting Dario.Rune Kvist [00:04:41]: Yep. First Dario, yeah.Swyx [00:04:43]: Yeah. Well, I mean, like, so did you get extra insights from talking with them that you didn't get from your original hypothesis?Anthropic's Early Conviction and the Scaling Laws Crystal BallRune Kvist [00:04:50]: If you read the Scaling Laws paper, you get this, like, very vague sketch of like, wow, this seems kind of important. There are some lines on a chart. This seems kind of important. And what I think the team at Anthropic had thought more about than anyone was like, what are the implications of this if you really play this out? And back then they had, kind of vision documents for what the world would look like in 2026, and they were kind of in vivid detail playing out how much compute is going to be needed, what the CapEx was going to look like, what some of the societal concerns were going to be, but also what is the amount of economic value coming out here? And so it kind of felt like they held a crystal ball that in hindsight turned out to just be dramatically correct. And they weren't holding it like they were obviously correct. They were just like, “Take this hypothesis really seriously.”Swyx [00:05:38]: Think it through, yeah.Rune Kvist [00:05:38]: And think it through in the same way as the kind of situational awareness that isSwyx [00:05:43]: Across the street.Rune Kvist [00:05:44]: Across the street.Swyx [00:05:44]: Your office, yeah. Oh my God, we're all living across the street in the same one square mile.Rune Kvist [00:05:50]: Correct. And that's now a couple of years old, but also people keep referencing it these particular weeks with Fable and Mythos, and it's like, wow, if you take this one idea seriously- For the Scaling Laws, a lot of things fall into place.Vibhu [00:06:03]: And keep in mind, at this point, this is the same team that did GPT-1, GPT-2, and GPT-3.Rune Kvist [00:06:08]: Correct.Vibhu [00:06:08]: Which is also, like, it's not just some experimentation. Like, this is a real model that we just scaled up.Rune Kvist [00:06:14]: And they had deep conviction in this idea: if you take a big blob of compute and data, it just wants to learn, and out of that will come smarter and smarter models. And all the particulars were not clear.Vibhu [00:06:26]: Yeah.Rune Kvist [00:06:27]: And all the implications were not clear. But their deep conviction in this, like, core thesis, and that was kind of dizzying. It was both phenomenally interesting and exciting, and also very quickly you get to, like, the world we know today will no longer be if this hypothesis holds. So it also just felt, like, important in some kind of grand sense.Vibhu [00:06:48]: What kind of shaped you there? So that was early 2022. Not only had GPT-1, GPT-2, and GPT-3 come out, but, you know, the amazing founders of Anthropic that have never split up, the only ones, they actually had the conviction to leave OpenAI, start their lab. You said there were about 40 people there. What was the time like there?Inside Early Anthropic: Mission, Deployment, and RiskRune Kvist [00:07:06]: It was kind of remarkably like what it looks like on the outside today. Extremely cohesive, extremely mission-oriented, and living in this tension between their two ideas, which is AI could both go really well and really bad, and we want to be part of building it. That creates astounding amounts of tension. And they were wrestling with this incentive challenge where they know they're in a race that they're in where you might get forced to cut corners, but it also felt very important to them to be at the forefront of technology. And all of those ideas were just present at that time. It kind of feels like that line has been just very clear, and I think kind of love them or hate them, they have really stuck to their guns. There's a core set of beliefs that they hold more deeply than most companies hold any beliefs.Vibhu [00:07:58]: Yeah. Fast-forward to today.Rune Kvist [00:08:00]: Yeah.Vibhu [00:08:00]: What does that lead us to AI underwriting company? What are you up to? What motivated you to start this?From Waymo to AIUC: Confidence Infrastructure for AIRune Kvist [00:08:05]: Yeah. AIUC builds confidence infrastructure for frontier AI through standards and insurance. The link from Anthropic to building confidence infrastructure, looking out the windows at Anthropic offices and seeing Waymos driving by. Already back then, early 2022, Waymos were in some ways like AGI for cars. Like, they were superhuman drivers, but you couldn't take one to the airport. And now, four and a bit years later, you still can't take your Waymo to the airport, despite now everyone having kind of looked at the evidence and being like, “They're better drivers than humans.” So in that particular instance, what's clear is that the binding constraint on AI being useful is not capability, but is that liability or risk or trust. That problem is, general. The reason why right nowRune Kvist [00:08:52]: Fable is not open for access is not because it's not a good model, it's because it's a very good model. It's just hard to make promises about what it will or will not do. And this problem gets worse as AI gets better. Basically, more intelligent AI can be more autonomous. That's more valuable, but also the risk surface grows. And so - what Waymo illustrates is that unless you build the confidence infrastructure to make promises about AI, or at least bring light to the risks, you grind adoption to a halt. Governments, banks, hospitals, militaries need to have some sense of what AI will and will not do to be able to operate for them to incorporate it. And that's the problem that we're trying to solve. Now, why standards and insurance? If you trace this problem back through history, every technology wave has had some version of this problem. So if you go back to, like, year 1900, electricity comesVibhu [00:09:47]: Ben Franklin.Rune Kvist [00:09:48]: Cars burn down, sorry, houses burn down, lots of people die. 1930s, cars are a big deal, kill lots of people. 1950s, private nuclear energy is a big deal, poses big risks. In each of those instances, the market runs ahead of regulation to create confidence infrastructure because that's required to make go/go decisions. That is required for adoption, and the market fundamentally wants adoption. And in all of those instances, common blueprint emerges between standards and insurance. The reason these two components is standards kind of provide the rules of the road, and they also specify, like, what are the tests that need to be run so we can get a sense of how high the risk is. So take in the case of cars, that's like a car crash. Great, everyone, they inform your insurance pricing today, they inform your purchasing decisions, et cetera. That's basically the risk framework. The insurers are important because they pick up the bill. So they are the private institution that is most on the side of. That is best incentivized to quantify the risks truthfully and then figure out all the ways to reduce the risk ‘cause that increases their profit. So they're basically, they help shape the incentives. And these two work really well in unison. Now, how does that show up as a company? Well, one of the things that was obvious even - or starting to become obvious even a couple years ago was that frontier companies, some of our customers today, like Cursor, Sierra, ElevenLabs, Harvey, were going to have a very easy time selling a pilot to a bank. The, like, the demo just sells itself. It's magic. But bringing that through, if you want to do a wall-to-wall rollout at a bank or a hospital, you have to go through the risk process. These banks have no idea even which questions to ask, let alone which answers are sufficient, let alone, like, how do they go and test whether these agents actually work the way they're supposed to. And so they had this problem of, like, what can we say to earn the trust? And we think there's, like, a golden sentence that goes something like, “Hey, I hear you're really worried about hallucinations or jailbreaks or whatever it may be. We've had an independent third party test us against the gold standard. We passed with flying colors. And as a vote of confidence, the world's most conservative insurers have looked at the data.” And they're willing to take some of the risk onto their balance sheet.Swyx [00:12:06]: Yeah.Rune Kvist [00:12:07]: So if something does go wrongSwyx [00:12:07]: There's money behind it, yeah.Rune Kvist [00:12:09]: Exactly. So that's kind of like the link between all this. We can get into some of the hard parts related to the technical testing, which is, I think, the crux of the matter, but I'll pause there.Swyx [00:12:19]: How did you and Rajiv come together? This-- there's always, like, you come across very confident and, you know, and we're announcing your Series A and all these things, but I want to see, like, the early initial stages of, like, idea formation.Cofounding AIUC with Rajiv DattaniRune Kvist [00:12:31]: Yeah. Rajiv is actually my soon-to-be brother-in-law.Swyx [00:12:35]: Oh.Rune Kvist [00:12:36]: So I'm actually, in a week and a half getting married to Rajiv's sister.Swyx [00:12:42]: Okay, now you're tight.Rune Kvist [00:12:44]: Exactly.Swyx [00:12:44]: Now you know.Rune Kvist [00:12:45]: So - Rajiv and I have known each other for a decade. Funny story, I met both Rajiv and his sister, Hena, at the same time when Hena and I were interns at McKinsey in London, and Rajiv was assigned as my mentor. And so met them at the same time. For the longest time, it was not obvious that we were necessarily going to work together. I was in startups. He was, an insurance partner at McKinsey. Three or four years ago, I think Hena convinced him that AI was going to be a really big thing. And so he quit his job, cushy partner job at McKinsey in London, packed his bags, flew to San Francisco, and ended up joining METR. You guys are probably online enoughSwyx [00:13:24]: CEO.Rune Kvist [00:13:24]: Exactly.Swyx [00:13:24]: We've, we've, we've heard of METR.Rune Kvist [00:13:25]: You see the plot-- the chart of the horizons of the tasks that agents can take on is doubling extremely fast. So he was COO at METR, led their partnerships with Anthropic and OpenAI to test their models before release, but also working closely with the US and UK government, to figure out, like, how do you know whether a model can be released? And in some ways, that was, like, the perfect background. He's spent a lot of time in insurance, knows that world, spent a lot of time with frontier testing of models. And so when I was bumbling around this idea space, starting with some of the ideas we talked about related to Waymo, as soon as we got into the content, we were both like, “Oh, this would be an amazing business to build together.” This is wrestling with the problem that we both think is the most important in the world from a market angle, which is kind of our intuitions is that the market can do a lot, and the faster AI moves, the harder it is for government to solve some of these problems. And then it took a little bit of time to work through what is it like to work with family.Swyx [00:14:27]: Sure.Rune Kvist [00:14:27]: And,Swyx [00:14:30]: Because you were already dating at the timeRune Kvist [00:14:31]: Yeah. Yeah, exactly.Swyx [00:14:33]: Yeah.Rune Kvist [00:14:34]: Already back then, itSwyx [00:14:35]: Yeah.Rune Kvist [00:14:35]: We felt like we were a family.Swyx [00:14:36]: Nice.Rune Kvist [00:14:36]: And so starting a business together felt like kind of a big step. And, here we are with just immense amounts of trust.Vibhu [00:14:43]: Yeah. So now you're a company of how big? How big are you guys now?AIUC-1 Certification: Agent Security, Safety, and ReliabilityRune Kvist [00:14:46]: There are just 20 of us now.Vibhu [00:14:47]: 20 of you guys now, have Series A, and you have your first certification out, the AIUC-1. Let's bring up the certification. So this is the agent certification, right? What goes into the process? I have, like, two questions here. One is, walk us through the certification, and two is, what is the process for a company to get certified, you know?Rune Kvist [00:15:08]: Great. As it says right on the top, AIUC-1 is a standard for agent security, safety, and reliability. The fundamental design principle is take all of the concerns that slow down adoption, so all the questions, all the fears that keep, security leaders in the Fortune 1000 up at night, and put them into one comprehensive framework. That's what you'll see there. You can see the six categories. Two, you want to ground all of this in technical testing. So one of the concerns with security standards that often feel kind of like theater paperwork is that they're not actually ground out in, does any of this work? Does any of this matter? And so we had a conviction from early on that was going to be the kind of crux, was to pass this, you must get tested every quarter, basically run thousands of simulations to see, well, so can it actually be jailbroken? How hard is it to jailbreak? How often does it hallucinate? How often does it leak data? Et cetera. And then the last, core idea here, if you scroll up to the top here, is to refresh it quarterly.Rune Kvist [00:16:08]: So the core trait of AI is that it moves extremely fast. Whatever concerns we're discussing today were not the same ones three months ago, and this will keep changing. Typically, standards update on a, like, a decade cycle is obviously not going to work. But the question is kind of how do you update it? And the core thing here was to basically get the risk leaders of the Fortune 1000 around the table. So if you go over to the left hereVibhu [00:16:32]: YeahRune Kvist [00:16:32]: You'll see the AIUC-1 consortium. The consortium is a group of risk leaders who run real banks, real hospitals, real critical infrastructure, who are facing these challenges every day. And we meet with these folks twice a quarter and hear what's top of mind, what is keeping them up at night. There's tremendous amount of desire for that conversation. And then we operationalize that into a specific standard that gets into. And actually, we can go into and look at whatVibhu [00:16:55]: YeahRune Kvist [00:16:55]: What even is the standard. So if we go back to introduction, out there to the left, scroll up a little bit to the wheel, click into reliability. So if you take something like hallucinations sits in reliability. There is a number of requirements here. If you go into the top one, prevent hallucinated outputs, hallucinate outputs, this is one particular requirement. This is a technical control. Basically, we want some kind of ground in this filter. The first thing you see here is what's called a crosswalk. So everyone and their grandmother has put out a framework, very high-level framework for what are the AI risks.Swyx [00:17:27]: This is basically your competition,Rune Kvist [00:17:28]: In some ways our competitionSwyx [00:17:29]: Not seriously, yeah.Rune Kvist [00:17:30]: We're, in fact, friends with them. We'll come back to why.Swyx [00:17:31]: Yeah.Rune Kvist [00:17:32]: But mapping everything together so you have one superset. The claim you're trying to support here is, if you follow this framework, then you can also see how you follow the other frameworks. But the meat of it comes down here in control activities and evidence. So control activities is like, great, you have this high-level requirement. How do you turn that down to something operational? Here's what you must do, and then what is the evidence that we're looking for?Rune Kvist [00:17:57]: And the reason we go this deep is that there's actually not that much confusion about what are the big concerns in AI. Everyone agrees to these. The question, like, what are you actually supposed to do? And so. What we found a lot of demand for is getting down to the specific evidence, that people need to look for. Whether you are Cursor building something or, even JPMorgan building something, but also if you're just a risk leader at JPMorgan, like what exactly should you ask for? What can you ask for without sounding stupid? Like if you ask for some-- you won't believe the amount of time a risk leader has asked for the IP rights to the underlying model to Cursor or something, and you're just like “Sorry, what?” Like,Swyx [00:18:39]: You slip it in there and you seeRune Kvist [00:18:40]: SlipSwyx [00:18:40]: See if you notice.Rune Kvist [00:18:41]: See if they. Exactly.Swyx [00:18:42]: Yeah.Rune Kvist [00:18:42]: Put that in the questionnaire. All right, so that's kind of what our standard is, and we update this every quarter with these folks, to keep up with the latest concerns.Swyx [00:18:51]: Can I double-click on this one?Controls, Evidence, and Third-Party TestingRune Kvist [00:18:52]: Yeah.Swyx [00:18:52]: So first of all, the website's beautiful. Like, it's so confidence-inducing which is the whole point where, like, okay, I know exactly what I'm signing up for when I talk with you. Like, I don't even have to talk to you. I can just see your whole, certification, which is great. But, like, okay, so from here, like D001.1 configure a groundedness filter, how does that get applied? Like, you have a person thatRune Kvist [00:19:16]: Yeah,Swyx [00:19:16]: Goes through it?Rune Kvist [00:19:17]: If you, go backVibhu [00:19:19]: I did see somewhere there's like, you know, fifty-one requirements, a hundred thirty controls. There's like a wholeSwyx [00:19:25]: Right. I just want to. Like, to me, this doesn't translateVibhu [00:19:27]: Yeah.Swyx [00:19:27]: Into a test or an eval.Rune Kvist [00:19:28]: Yes. So if you go into, on the left-hand side. So actually, if - before we go in there are three types of requirements. The first is technical controls, like you must implement some guardrails.Rune Kvist [00:19:42]: Two, there are test controls. So you must have an independent third party go and run some tests against you. I'll show you one of those in a second. And then three, there are policy controls. For example, you must have a person whose name is on the line when you guys f**k up, and you must have a plan for how you tell your customers and how you engage with them. They're kind of more traditional, standard type stuff. So in this particular instance, we just check whether they in fact have a ground in filter. So we will partner with an auditor. So we partner with auditors like KPMG or like Schellman who go in and do the thing auditors do, which is to check the evidence. In this case, that might be a screenshot, it might be part of the code that they need to review to see that it actually. Just that it exists.Swyx [00:20:21]: Oh, okay.Rune Kvist [00:20:22]: And then the second thingSwyx [00:20:22]: So you're not testing the effectiveness of it.Rune Kvist [00:20:24]: That's the second thing. So if you go downSwyx [00:20:25]: Yeah.Rune Kvist [00:20:25]: To the third-party testing for hallucinations out on the left, that's basically the next requirement. This is where we test how well does it actually work.Swyx [00:20:32]: Okay, and is it you testing or the auditor?Rune Kvist [00:20:34]: We test them.Rune Kvist [00:20:35]: We test them.Swyx [00:20:36]: That's a lot of work.Vibhu [00:20:37]: How long does testing take? So if I want to get certified, justCertification Timelines, Remediation, and Quarterly UpdatesRune Kvist [00:20:40]: Yeah.Vibhu [00:20:40]: How long does the end roughly take?Rune Kvist [00:20:42]: Yeah, the end, almost always is dependent on, like, our customers needVibhu [00:20:47]: Yeah.Rune Kvist [00:20:47]: To look something for us. It takes somewhere between, like, 3 to 10 weeksSwyx [00:20:52]: Yeah.Rune Kvist [00:20:52]: Depending on how up to snuff they already are. So some people show up to us with, like, extremely rigorous security programs. When we test them, it works extremely well. We can get that done very quick. Some people come to us, and they're not that far along. We give them kind of the spec that they need to build towards, and then their security teams and engineers get to work and build to meet the standard. The testing itself typically takes a couple of weeks, including the time for them to remediate. Often, we'll find something that we cannot pass, where this is actually just not up to the standard. - you won't pass the standard. And then they will need to go and implement additional safeguards or additional remediation that makes them more robust so that they can actually kind of hand on heart look at their customers in the eyes and say, like, “Hey, we've done truly our very best.”Vibhu [00:21:35]: And they're certified for a year and have quarterly updates?Rune Kvist [00:21:38]: Correct, yeah.Vibhu [00:21:39]: And, yeah, it's pretty interesting. I think, you know, what's changed since. So this is certifying agents in production, right? Your customers, like you've had Lovable, ElevenLabs, Intercom, and they've all gone through this certification.Rune Kvist [00:21:50]: Yes.Vibhu [00:21:51]: What has changed? So I see you post, like, you know, Q2 added MCP agent,How Agent Risks Are Changing: Coding, MCP, and Agent-to-Agent InteractionsRune Kvist [00:21:56]: Yeah.Vibhu [00:21:56]: agent communication. Any other things that you want to kind of highlight since the first iteration? What comes in quarterly?Rune Kvist [00:22:03]: Yeah. So some of the changes have just been agents are not just one thing. So, like, if you take agents like Cursor and compare them to Sierra, they're really quite different. And compare them to Harvey again, compare them to you out of againSwyx [00:22:16]: ElevenLabs, yeah.Rune Kvist [00:22:17]: ElevenLabs, they're all quite different. And so we wanted to design a standard that works for all of the types of agents. And we started with one that was, like, pretty text-based, like, honestly, pretty customer support-focused. That's where there's a lot of existing demand. And then over time, we've picked, some of the frontier companies in each of these other domains that we could work with and build out the standard, so, such that we know that the same standard works for code, it works for customer support, works for automation, et cetera. So that's been one big thing. Yeah, then some of the things that have been top of mind recently, Mythos is bringing up a lot of concerns for security leaders. We're starting to get more and more questions around agent interactions. It's very nascent, at the moment, but it's starting to emerge. There've been a lot of, questions related to OpenClaw and MCP. Again, like agents starting to interact with each other, is really top of mind. Then as coding agents have really taken off, that's also where banks and hospitals, et cetera, are getting more and more precise on what it is they need. So really dialing in as that start to be, like, where most of the tokens flow through in the world, getting much sharper on that.Vibhu [00:23:26]: Can you share for people that are listening that don't really think about this? Like you mentioned, there's the obvious stuff, you know, hallucination, citations. What are best practices that people should do when building agents? Like, if they come to you pretty ready with certification like, you know, they'll probably pass certification. What are the things people don't think about that they should have?Best Practices for Agent Builders: Stress Tests and GuardrailsRune Kvist [00:23:46]: The most important thing is that a lot of companies have not done a serious stress test. They spend most of the time, perhaps rightly so, optimizing for how does it work in the good case, the average case, how high-quality is the output for the customer. And a lot of these companies are pretty new, so they haven't spent a lot of time stress testing the what is there as an adversary on the other side? What are some of the complicated corner cases that you've not really considered? So I think that's, like, a frame of mind. And you'll also see this in startups. It often takes a while until they hire their first security person. They- And that's a whole different kind of risk surface than just building a good product. So a lot of that applies. Most companies actually also have the right kind of architecture. Most of them will have some kind of guardrails in place, either some that come out of the box from their model provider or they'll have built their own filters that sit in between. They just don't work very well. The difference between putting a classifier in place that, like, maybe goes and checks whether you're giving medical advice when you shouldn't and says, “Hey, if this looks like medical advice, filter it out.” Lots of companies have that in place. The question is whether it works. And it's actually pretty fiddly to sit down and think about all the ways in which you could ask for medical advice, read the academic literature on what are the kinds ofRune Kvist [00:25:03]: Framings or tricks you might play to get an AI to give you medical advice when you really shouldn't. And so there's, like, an area of expertise that's just missing. So what we find is that most people have the right building blocks in place. They don'- It doesn'- It's not rocket science, but the finicky thing is, like, getting into the corners and testing whether it works such that you can look your customers in the eye, or maybe a bank or maybe a hospital and be like, “This is going to work for you.”Vibhu [00:25:26]: I see. So we talked a lot about the agent-level certification. Where do you guys go from here? So announcing series A camera, we talked about this a bit. There's the whole security risk of Fable, government stepping in. You guys are kind of announcing that you're also going into model certification?Toward Model Certification: The Government–Lab Trust GapRune Kvist [00:25:46]: When we do a bit of cutting afterwards,Vibhu [00:25:48]: YeahRune Kvist [00:25:48]: We will not yet be announcing this,Vibhu [00:25:49]: NiceRune Kvist [00:25:50]: The question that is top of everyone's minds now is at the model level. And Mythos, then Fable, has really brought this to the fore that in addition to the commercial risk and the kind of economic security risks that are happening at the agent layer, the models are going to present risk in the national security category. The shape of the problem is very similar. You have some people that are on the hook if something goes wrong. In the case of agents, it's often security leaders in the enterprise. In this case, it's the government. They don'- haven't necessarily spent their entire lives thinking about what are the new risks that come here, what is the kind of data you might be looking for, how might you test that? But they do have to make sure that their concerns are addressed. You have some frontier AI companies that are deeply technical. They know a lot about the risks, but they fundamentally have an incentive to not always be truthful. So you have a trust gap between the government and the labs. And in every other industry, you end up with some kind of body sitting between, a neutral third party sitting between those people. There's no other industry where you allow people to audit themselves. So there is going to be a need for a third party that can take the rigor of the labs to run frontier technical evals, but can also speak legible trust in the way that the government trusts PwC to go and run financial audits. And they know that they output audit reports in a way that's consistent, that's easy to read, that's factual, that's, trustworthy. Those two things need to be brought together. And what we've learned from our work with agents is that if you want those-- that communication between those two parties to be smooth, there has to be one common standard that is public, that people can go and inspect. What are the risks that matter? Within each of these risks, what are the kinds of threat models that you're really looking for? You need to specify for each of those risks, what are the guardrails that need to be in place, and what are the tests they need to run to see whether those guardrails are effective? And then you need to go and run audits that are - technical audits that are consistent. So if you're trying to bring trust, it's extremely important that you methodically work your way through the risks. You can't send one researcher in and say, like, “Come back with whatever you find.” You need to be able to explain exactly what you did, exactly what you tried, exactly what you did not try, and therefore the kinds of promises you can and cannot make at the end of it. I think ofNeutral Third Parties, CAISI, and Model Risk AuditsRune Kvist [00:28:13]: Fable as a direct symptom of this problem that the government was told that there's a risk. The government may struggle to assess just how big that risk is. They call Anthropic, and Anthropic is trying to tell them, “Hey, actually, every model can be jailbroken.”Swyx [00:28:28]: That's not what you want to hear, right?Rune Kvist [00:28:32]: As the government, that might be hard to trust.Rune Kvist [00:28:36]: And we think that a broker is the most natural solution. In other markets, you see something like, in financial markets, you see Moody's. Moody's goes in, and they look at a bond, and they output a rating. They say like, “Here's the evidence we found. Here's the rating.” We don't decide whether anyone should buy this bond or not buy this bond. Well, that depends on their risk appetite. But we do provide this common information layer that everyone can rely on. In the case of Moody's, the government, points to them and say, “Hey, pension funds, you should probably really take care. You shouldn't risk your pensioners' money, so you can only invest in triple-A rated bonds.” That means that now the government doesn't have to staff thousands of financial technical experts to rerun forecasts every week to see whether things are correctly rated. They get to point to some neutral third party. So my hypothesis is, my hunch is that you will see a third party that sits between the government and the labs, and it could either be the government builds it themselves. So something like CAISI was set up to do exactly this. And the questionSwyx [00:29:44]: Sorry, I'm not familiar with CAISI.Rune Kvist [00:29:45]: CAISI is the Center for AI Standards and Innovation.Swyx [00:29:49]: Okay.Rune Kvist [00:29:50]: I won't get into the details, but it's a body of NIST that typically sets standards. So it's basically a government body that has AI experts. Yeah, exactly. Exactly.Swyx [00:29:59]: Very key. Very key.Rune Kvist [00:30:00]: Very key.Vibhu [00:30:00]: I think, you know, it's one of those things where when you just sit back and listen-- look at it, like, is there enough technical expertise in the government to measure, test these things right now? Probably not, right? And Fable is a result of, okay, we've had to scale back and pause things,Rune Kvist [00:30:17]: Yeah. And they have excellent people, but they have an extraordinarily small budget compared to the scale of the challenge that's ahead of us. And I think they have a role to play. The question is kind of like, who does what? We have now outlined the jobs to be done, and they're quite extensive. Every model release, there is an astounding-- Given that they take in any input, their risk surface is astounding. And so the question is really: what can only the government do, and what can the market provide here that can keep up with the pace as AI risk changes? Our perspective is that also at the model layer, the risks that people care about today are not the same ones they cared about three months ago. So the pace of legislation is too slow to deal with pinpointing the risks here. And so we think there's a lot that the market can do to surface timely information. Ultimately, there is a bunch of policy decisions here. Is the national security risks of a model too high?Swyx [00:31:12]: Yeah.Rune Kvist [00:31:12]: That's a political answer. But what we want to make sure is that the process that produces this risk information is compatible with very fast innovation. So you don't want to. This is not a question of like, can you slow the things down? Can you keep, the models locked up until-- for months on end until everyone can make a guarantee? But it is this, can you, in the time it. Given that the US is competing with China on releasing models, can you insert risk information that allows the government to, like, make rapid decisions on some of these questions? Balancing that trade-off between failing to adopt AI is going to put us at risk, but also reckless adoption is going to put us at risk. And that's a very kind of fine balance that they're going to need, like, a lot of high-quality intelligence to make.Chinese Models, Data Flows, and National Security ConcernsSwyx [00:31:55]: Just a side mention, because you mentioned Chinese models, any specific concerns that you're hearing from your CISOs about that? ‘cause I guess it's free, but.Rune Kvist [00:32:05]: CISOs have a bunch of concerns around data flows in general that they're really concerned about. So there's a lot of questions like, if these models are Chinese, where does that, where does that data go? I think a lot of this can be addressed, but they come up often.Swyx [00:32:18]: I mean, they understand they're running on American GPUs.Rune Kvist [00:32:21]: Some of them, some of them understand that they're running on American GPUs.Swyx [00:32:23]: They're not, like, phoning home every time you, like, call home.Rune Kvist [00:32:26]: No. A year ago, there was not a lot of understanding of this. I actually think, you're seeing the security leaders becoming kind of AI literate at a blistering pace, and you're actually also seeing my Twitter timeline that's very pilled and my LinkedIn feed that used to not at all be pilled kind of converge. They're both talking about Fable.Swyx [00:32:45]: Right. Yeah, that's true.Rune Kvist [00:32:46]: They are both talking about whether you can prevent models from being jailbroken these days.Swyx [00:32:51]: Yeah.Rune Kvist [00:32:52]: Like national security national security risks are now the conversation that is actually emerging. Other than that, I think you mostly see a kind of general picture: there are no concerns with any particular model or any particular model output, but there is a general nervousness of having critical infrastructure run on models that are not produced in America by Americans where the American government has control.Swyx [00:33:14]: But it doesn't necessarily show up in your framework that directly, or it might, I don't know.Rune Kvist [00:33:18]: There's a bit of stuff in there actually on the, like, the provenance of the models and disclosing that. But I think there's a bunch of use cases where running a Chinese open-source model is just the best solution.Swyx [00:33:27]: Yeah.Rune Kvist [00:33:27]: And a concern is slightly more macro here, which is not best addressed at any particular certification level.Vibhu [00:33:32]: Is there anything interesting that you see at the. You know, if you're trying to fill that middle gap, that mediation gap, any interesting stuff that you guys forecast would be required other than, you know, what the average person might expect?Cyber, Child Safety, Bio Risk, and Expert CoordinationRune Kvist [00:33:47]: There's a bunch of interesting questions about what are the risks that matter here. So right now, the risk of the day is cyber, because it's very real, very tangible. And some of the risks that are also emerging as pretty real and pretty tangible are things like child safety is becoming both extremely important, but also politically important. And then there are some of the risks that are coming down the pipeline that today feel kind of speculative, but people who spend a lot of time with the models see them coming down is things like, risks that relate to biology.Rune Kvist [00:34:18]: And specifically whether models will help adversaries produce biological weapons and making that extremely cheap, extremely accessible, producing-- making the chance of another COVID or worse pandemic. COVID was not engineered to be bad, as if you were trying to do that. So I think those are some of the risks that are coming down the pipeline. I think one other thing to just note is that agents are kind of deliberately narrow. So, like, when a frontier agent company puts a chatbot that interacts with customers, they've really tried to narrow the topics it's interested in talking about. Such that if you ask it, like, “What do you think of the president?” it will just decline, which means that the kind of risk area is somewhat smaller. For models, it is infinite. And so there's not a single expert out there who can competently evaluate the risks of cyberattacks and fifteen-year-olds having month-long conversations with a chatbot and seeing whether it will in fact recommend suicide or something horrendous like that, and can evaluate the risks that terrorists can use AI to produce bioweapons. The risk surface is just too big. And so the central challenge actually becomes how do you get those subject matter experts to work within a one coherent framework that outputs one coherent report and rating that the world can go and inspect? ‘Cause that global perspective is central, but there's not a single organization today that could produce that.Swyx [00:35:47]: And you would be the presumptive one when you put out your model standards.Rune Kvist [00:35:51]: We think there can be one company that can, with a consortium of experts, build one coherent standard. I think we've shown that across all of the enterprise risks today. We think it could be one company that could, with a consortium, specify the audit rules, basically like the inputs and outputs that all these technical experts need. What access do they need? How should they treat infosec- info security? They can look at whether the eval- evals are well-produced without necessarily being able to say, “Hey, is this a threat or not a threat?” But overall, evaluating whether the evals are good, well-constructed, that set of audit rules that basically becomes the interface for all these experts, we think one clearinghouse could put together. To be clear. When I say one company, I think of it as one company coordinating lots of this in the same way that when we saw our consortium, it's not like we say we have all the answers on agent security. What we say is we are taking on the role of eliciting all of the concerns and being the secretary that puts it together and runs a tight house such that the standard updates lockstep every quarter, and that the audit reports that come out, in this case, 100-page audit reports, uniform and crisp and clear all to the level of detail that is required for executives that need to make a clear go/go decision. So that's kind of the role that we think we might play.OWASP, Frameworks, and the Operational Audit LayerSwyx [00:37:11]: I think in many ways you're performing the role that OWASP used to do there, and you said, like, you know, competition and partners.Rune Kvist [00:37:18]: Yeah.Swyx [00:37:19]: Can you go more into, like, how they partner?Rune Kvist [00:37:20]: Yeah. So first of all, OWASP is basically an open source community of security practitioners that are coming together to build frameworks for addressing the latest security concerns. We think they are phenomenal at creating frameworks. We'- In fact, we'- First of all, we're partners with them, so we have a joint article. Two, we've learned a lot from them. We think they're a tremendous source of intelligence. What OWASP does not do is building the machine that runs third-party audits such that a company like Cursor or a company like JPMorgan could get a third party to go and review them against this and say, “Hey, you've passed the standard, and here is the report that you can use to build trust and preempt your partners' or customers' questions.” So they fundamentally try to do something different. You - They are part of the information gathering and intelligence gathering and creating clarity, but the operational layer of turning this into promises is not the business they try to be in.Swyx [00:38:14]: The standard is emerging and is doing very well. Was it necessary to then also do underwriting? Obviously it's in the name, so please remember you thought about it first. I feel like if you just have enough consensus, you don't actually need the money angle, but it does help.Vibhu [00:38:30]: I did want to also note, you guys are a profit company too, right? It's not profit where there's a whole business side to it as well?Why For-Profit Standards and Insurers MatterRune Kvist [00:38:39]: Yeah. Yeah, so I'm just getting crazySwyx [00:38:41]: I think about the money part.Rune Kvist [00:38:42]: Yeah. Yeah, let's get into the money part. Let's start from actually your question, profit versus profit. In the security space today, cybersecurity, most of the standards are produced by nonprofits. I think that's an issue.Rune Kvist [00:39:00]: The question you have to ask yourself is, how do you create good incentives for these standards to be good and keep up?Rune Kvist [00:39:09]: Nonprofits tend to not have these adverse profit incentives where they, hollow out their standard and create a race to the bottom, but they're also not at all responsive by default to the communities that they serve. There's no process-- They don't have customers that they serve where they go and ask, “What do you want? What do you want? What do you want?” And when you look at the overall satisfaction with the security standards today, people tend to just not like them very much. You do see in other domains, that profit standards can serve the world quite well. So there are examples, like we talked about Moody's before. It's not without flaws, but, it is absolutely critical societal infrastructure that gets run at an astounding scale today. Your credit score, it's FICO. It's also a profit business. And when you go back even further in history, some of the crash testing standards came out of insurance companies.Rune Kvist [00:40:06]: The insurance companies together founded the Insurance Institute for Highway Safety because they were very interested in, like, how can we use standards to drive down mortality and save money? Go back, prior-- Our name actually pays homage to the Underwriters Laboratories, UL, which, was started right around when electricity came out. Houses started burning down. Insurers, again, were paying the bill, and they were maybe also good people, but their profit incentive was, let's prevent houses from burning down. Let's test all the electrical products, the light bulbs. All the light bulbs in here are probably tested, the toasters, et cetera. And they set up, an entity to create those standards. Today, UL has a profit entity and a profit entity. What they've recognized, they spun - They started profit. They spun out a profit because what they recognized was like, hey, actually to serve customers well, you need a profit entity. The lesson here is one of the ways that the market can align incentives so you're both responsive to customersRune Kvist [00:41:07]: And not hollowing out your standard over time is to align it with insurers because they fundamentally have good incentives. And so if you're a profit standard that works closely with insurers, you get the feedback loop in such that you're really tuned into your customers, but also have their interest at heart. So that's the model that we - the kind of inspirational model that we've learned a lot from, and that's also where the name comes from. In some ways, the term underwriting can both be associated with insurance, but it's also a broad term for, like, making decisions.Rune Kvist [00:41:40]: If you underwrite a decision, you're fundamentally kind of taking ownership for the consequences of it.AI Insurance Contracts, Lloyd's of London, and ElevenLabsSwyx [00:41:45]: Yeah, I mean, what does an insurance contract look like for AI?Rune Kvist [00:41:49]: Yeah. Most of the demand comes today for insurance contracts is, sitting between people who've built AI and people who are buying AI.Swyx [00:41:56]: Yes.Rune Kvist [00:41:57]: And what you want—the reason why people want insurers involved, both for the traditional reasons, hey, if something goes wrong, we want to be compensated, but it's in particular because insurers can bring trust to the equation. Because insurers will pay for the damages, if they're willing to write an insurance policy, that is them saying, “Hey, we think there is risk here, but that is manageable.” And that is kind of a. Their incentive aligns with the enterprises adopting it, so that's a really a good signal to the market. In the same way, actually, one of the things that Waymo tried to get their first permit to even operate in San Francisco was to get a lot of insurers to stack up a huge insurance policy. In the case if something went wrong, not because Google can't pay, but because it was very valuable to have a third party go and look at that dataRune Kvist [00:42:47]: That are trusted by governments, trusted by enterprises as conservative people and say, “Hey, we've looked at it. We're actually willing to take some of this on our balance sheet.” So that's, that's kind of the reason why people are interested in it. What it looks like is, in some ways like every other insurance contract. You specify what are the perils you want to cover, how much do you want to cover them, like up to what limits, and what does it cost to cover that. And in the case of, if we take a really concrete example, ElevenLabs, bought a first of its kind AI agent insurance policy. They work with some of the biggest, enterprises that work with governments. They're really interested in going above and beyond and making promises to their customers. So they wrote a policy that covers just some of the core concerns that their customers have been asking about. And, the crucial thing was really to get Lloyd's of London, the world's oldest insurer, one of our partners, to look at this data and be that third party alongside us to say, “Hey, we think there's something here that's worth underwriting.” and that's actually what it looks like. And so they will show that contract to their customers, and they can see how much they're covered for. They can see what exactly it covers, and that will also probably change next year. They will want to write an insurance policy that might cover more.Swyx [00:44:04]: When you say Lloyd's, is it reinsurance, or are they sharing somehow at the same level orRune Kvist [00:44:11]: Yeah. So typically, the way, new companies get into insurance is that they partner with insurers such that the insurers take the majority or all of the financial risks. Fundamentally, if insurance is useful, because it brings trust, you have to be able to pay the bill. Lloyd's of London is 400 years old. They've never not paid a claim. They're extremely trusted. What Lloyd's of London struggle to do on their own is to figure out which of the risks are real, what should we be looking for, what are the kinds of technical controls, and running the tests. So they use AIUC-1 as kind of the underwriting framework, and we produce a bunch of eval results that then directly feed in to inform the pricing. So this means that ElevenLabs customers know that payment will be there. They don't have to look to our series A and see, like, do we think they have enough cash on the balance sheet? They will look at Lloyd's.Swyx [00:45:05]: Yeah.Rune Kvist [00:45:05]: Yeah.Swyx [00:45:05]: And Lloyd's, like, famously very creative. I think I remember some headline like, they insured Jennifer Lopez's, butt or something.Rune Kvist [00:45:13]: Correct.Swyx [00:45:13]: Right?Rune Kvist [00:45:13]: And I think, was it, David Beckham's right foot?Swyx [00:45:16]: So, yeah. Right?Rune Kvist [00:45:17]: And stuff like this.Swyx [00:45:18]: So, like, clearly not a large data set.Rune Kvist [00:45:22]: Exactly. It's actually a remarkable institution that's both kind of has some of the truly school virtues of having been around for a long time. They, like, really. They really operate like a trusted entity, and they have appetite to figure out the future. And I think there's a lot of recognition that both there is, like, tremendous amount of risk in AI that is poorly understood today, so getting into this business carries real risks. But also this is where lots of the risk exposure will happen in the future. This is the one market where risk is truly growing. This is the one market that will also take out some of the existing markets. Take, like, auto insurance. When there are no human drivers, how's that market going to look? Well, it's clearly going to change. How are you going to assessSwyx [00:46:08]: You want to insure Waymo?Rune Kvist [00:46:10]: I. All I'll say is the principles for how you insure Waymo are very similar to how you insure other kinds of AI.Swyx [00:46:15]: Right.Rune Kvist [00:46:15]: So again, crash testing, that's what we do for customer share at Lovable. That will also need to happen for Waymo, which is not how you do it for human drivers. So there's this growing awareness that the world is changing very fast, and the only way to learn how to underwrite AI is to write some policies. You may incur some losses and think of that as R&D expense, really. But the question for them is, like, who are the trustedtechnical partners they can get into this business with that can help them navigate and make sure they don't make, kind of foolish mistakes? But also who is willing to hear the wisdom that they have? They've done this before. They've seen it was. They were there when cyber came out. So there are lots of ways in which AI feels completely new, but there's also lots of ways in which risks look the same. And so there's actually a tremendous amount of wisdom sitting in some folks that may have gray hair, but really have, like, a keen sense of, how to quantify risk.Swyx [00:47:08]: Yeah. And the number is. So it's basically like I want fifty million dollars worth of coverage against these perils, and Lloyd's will give you a quote on it, and then you have, like, a small markup or something, and then you turn it around and do that? Is that as simple as it is?Risk Capital, Premiums, and Working with InsurersRune Kvist [00:47:23]: You basically share some of that premium.Swyx [00:47:25]: Yeah.Rune Kvist [00:47:25]: X percent goes to the people who do the pricing of it.Swyx [00:47:28]: You're. It's kind of like a. It's kind of like a merchant bank for insurance type of thing.Rune Kvist [00:47:33]: Exactly. You basically split the fee, and you can think of the insurance supply chain as, like, there's bringing the capital, there is doing the pricing, and there is doing the distribution. And typically, you will pay out some X percent of premium here, Y percent of premium here, and the rest of it will go here.Swyx [00:47:46]: Does all the insurance world work like this, or is there some point at which, like. So if right now you have equity capitalRune Kvist [00:47:51]: Yeah.Swyx [00:47:52]: At some point, maybe you start raising, debt or whatever, and then you have enough of a bank account and enough history, let's say you've been in operation for ten yearsRune Kvist [00:48:00]: Correct.Swyx [00:48:00]: That you don't need Lloyd's anymore?Rune Kvist [00:48:02]: That's totally an option. And I could see some worlds where that makes sense, specifically if there are risks that we feel high confidence that we'd want to insure where the incumbent insurers are too slow to find appetiteSwyx [00:48:13]: Okay.Rune Kvist [00:48:13]: Or simply struggle to evaluate it such that they don't want to do it. But by and large, in general, you do not want to compete with insurers on, bringing risk capital to the game for two reasons. One is that's fundamentally a cost of capital game. They have extremely low cost of capital. Startups have high cost of capital, by and large. And two, you want to hedge your bets, and it's very helpful then to also have a portfolio of home insurance, of car insurance. And we're not about to become a car insurer nor a home insurer.Rune Kvist [00:48:43]: So they have some natural advantages, which makes it much more likely that we'll partner.Swyx [00:48:48]: Yeah.Rune Kvist [00:48:48]: And they bring that, the capital at scale, and we bring the technical expertise.Swyx [00:48:51]: You're, you're going to work with them for a long time.Vibhu [00:48:52]: How are the discussions with the insurers as well? So basically, they're going off of your certification, right? They're trusting the diligence on you that your certification is valid, you tested the right things, and they're backing the money that, you know, you have the right testing in place. So any interesting takeaways from working with insurers?Rune Kvist [00:49:12]: I think the maybe the first thing is they feed into the standard as well. So if there are things that they feel like they need that they're not seeing, we are also taking that as input into the standard, because fundamentally we think a good standard is one that creates a really healthy promise ecosystem, and we think insurers are a critical part of that. And again, they are the most well-incentivized to. They see all the lost data across every. Any particular CISO knows their particular concerns. Insurers see the concerns across the entire portfolio and often have direct access to, like, what exactly happened, who was at fault, et cetera, as they do part of their forensics. So they're actually, like, a great source of intelligence on this. One of the big takeaways from cyber insurance, which is a market that didn't work that well, was that the insurance and the technical expertise was not married up. What our conviction is that standards have to precede insurance. Fundamentally, what everyone first and foremost want, whether you're a CISO at JPMorgan or a CISO at Cursor or an underwriter at Lloyd's of London syndicate, is you want to not have an incidentRune Kvist [00:50:19]: In the first place. You want to know that the risk is well-managed, and only then does insurance start to make sense. So we'll see the standard ecosystem basically run ahead of the insurance. And the reason why we. You asked us kind of why I also do insurance, this is kind of proving what we think a whole promise confidence infrastructure ecosystem needs to look like, and we think it's very compelling to bring that to life, even if we think the standard is kind of the core linchpin that unlocks the rest.Claims, Liability, Air Canada, and Duty of CareSwyx [00:50:44]: There's been no claims yet, right?Rune Kvist [00:50:45]: Nope.Swyx [00:50:46]: This is one of those things where, you know, if people haven't really worked through what it means to cover things.Rune Kvist [00:50:52]: Yeah.Swyx [00:50:52]: So for example, I pay Cursor $20 a month.Rune Kvist [00:50:55]: Yep.Swyx [00:50:56]: And I write a vibe code something that makes, a plane crash, causing $200 million worth of damage.Rune Kvist [00:51:02]: Yes.Swyx [00:51:02]:

Attorney Rosemary Scapicchio, who represents Myles King, joined Howie to break down what's next with Michael Proctor.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Would love to hear your thoughts on the podcast, send us a message!Practise conjugating the present tense with the root verb 'He drank/ shariba/ شرب' with my nephew Illy. Don't forget to practise the words yourself during the pause. If you'd be interested in us running an online Arabic course, let us know in the comments :)#Arabic #learnarabic #arabiclanguageSupport the showFor our free 6-Part series on basic Arabic to get you started, sign up to our E-mail list ⁠HERE⁠!Support the show HERE! Follow us on Instagram: arabicwithimranlum and check out my other podcast Muslim Money.#arabic #learnarabic 

Does Jesus have two kinds of blood? What are your thoughts on divorce and remarriage? Is it adultery? How would a person escape the conundrum of being an adulterer after they sinned? I grieved the Holy Spirit and then ate and drank my way out of the kingdom! Can you help me get back?

In today's Fact That Makes Your Brain Go Boom, Brian remembers the best day of his life. Chicago’s best morning radio show now has a podcast! Don’t forget to rate, review, and subscribe wherever you listen to podcasts and remember that the conversation always lives on the Q101 Facebook page. Brian & Kenzie are live every morning from 6a-10a on Q101. Subscribe to our channel HERE: https://www.youtube.com/@Q101 Like Q101 on Facebook HERE: https://www.facebook.com/q101chicago Follow Q101 on Twitter HERE: https://twitter.com/Q101Chicago Follow Q101 on Instagram HERE: https://www.instagram.com/q101chicago/?hl=en Follow Q101 on TikTok HERE: https://www.tiktok.com/@q101chicago?lang=enSee omnystudio.com/listener for privacy information.

In today's Fact That Makes Your Brain Go Boom, Brian remembers the best day of his life. Chicago’s best morning radio show now has a podcast! Don’t forget to rate, review, and subscribe wherever you listen to podcasts and remember that the conversation always lives on the Q101 Facebook page. Brian & Kenzie are live every morning from 6a-10a on Q101. Subscribe to our channel HERE: https://www.youtube.com/@Q101 Like Q101 on Facebook HERE: https://www.facebook.com/q101chicago Follow Q101 on Twitter HERE: https://twitter.com/Q101Chicago Follow Q101 on Instagram HERE: https://www.instagram.com/q101chicago/?hl=en Follow Q101 on TikTok HERE: https://www.tiktok.com/@q101chicago?lang=enSee omnystudio.com/listener for privacy information.

Drank misbruik. 

12. They Beheld God, and Ate and Drank (Exodus: Redeemed to Worship) - Fr. Michael Flowers 09.06.26 by St. Aidan's Anglican Church, KC

They boys review the high entertaining PulpMX show extravaganza from last Monday and give all the details of the behind the scenes. They take a look at the teams in Canadian MX and predict who ends up where and why. Some race weekend stories from both Gauldy and Newf at their local events, and then a bunch of odds and ends to finish things off. One more for the books and a good one! Race Tech!!! CJR Suspension KTM, Husqvarna and GasGas Hall race Fuels and Renegade Gopher Dunes Yamaha Motor Canada Matrix Concepts Canada AMO Grip 'N' Rip MX SECO Seat Covers As always, the best way to support us, is to support them!  

Josh and Andrew preview Friday's Late Pick 5 at Saratoga on 9/3/26!Check out our friends at DRF.com for all your horse racing data needs!Follow us on Twitter @wrong_lead​​​​​​Follow us on Instagram and Threads! @otwleadRead our articles and check out our shirts and other merch at www.onthewronglead.com

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www.brandysandbs.comeddyandjay@brandysandbs.com(5) FacebookWe bounce from cabin country life and food experiments to big nights out and big opinions, following every tangent until it turns into a plan. We end up debating social etiquette, laughing at a Target Field concert story, and pitching a very Minnesota State Fair booth that might actually work. • trying to get our intro song posted and sold • hunting down cabbage and arguing Amish vs Mennonite details • smoking pork butt, canning curiosity, sauerkraut and “burping” jars • pickles, heat levels, and why pickle juice becomes a morning shot • bartender name etiquette and the awkwardness of using first names • “ma'am” vs “dear” and what counts as polite • Tim McGraw at Target Field, $40 drinks• Minnesota sports takes, especially Vikings and Wild contract talk • Minnesota State Fair money talk and our sloppy joe and hotdish booth idea Drop us a line. Hey, reach out. Don't forget to go to www.bradysandbs.com. Check out the website. And go to our Facebook page, which is Brain is a BS. Support the show

Josh and Andrew preview Friday's Late Pick 5 at Saratoga on 8/28/26!Check out our friends at DRF.com for all your horse racing data needs!Follow us on Twitter @wrong_lead​​​​​​Follow us on Instagram and Threads! @otwleadRead our articles and check out our shirts and other merch at www.onthewronglead.com

Send us Fan MailAlcohol is everywhere, so it can feel like you're the weird one if you don't want a drink and that's exactly the trap. We're told alcohol is “normal” for birthdays, weddings, girls' nights, stress, sadness, and even just getting through the week, yet we rarely talk honestly about what it's doing to our bodies, our mental health, and our relationships. I'm Meg, and I'm sharing the real reasons I drank, not to shock you, but to tell the truth many of us recognise quietly. We unpack the cultural double standard that shrugs off binge drinking while shaming dependence, as if the addictive substance disappears and the person becomes the problem. I trace my timeline from my first drink at 18 to the moment I realised alcohol wasn't a treat anymore it was a tool. Anxiety relief was the early hook, then drinking became a reward, then a way to “cope” with work and parenting pressure, and eventually a way to switch off, escape, and feel nothing. That shift matters for anyone exploring sobriety, mindful drinking, quitting alcohol, or understanding alcohol dependence, because it changes the question from “what's wrong with me?” to “what need is this meeting?” You'll hear the turning point: alcohol never solved the underlying problems, it only gave temporary relief, then added shame, regret, exhaustion, and more anxiety on top. I share practical reflection prompts you can use straight away, like “What does alcohol do for me?”, “What job am I giving alcohol?”, and “What feeling am I trying to avoid?” If you want a kinder, clearer way to understand your drinking, press play, then subscribe, share with a friend, and leave a review so more people can find this conversation. Contact Meg: Website: https://www.meganwebb.com.au/Facebook: https://www.facebook.com/profile.php?id=61579436511475Instagram:https://www.instagram.com/meganwebbcoaching/Link to FREE discovery call with Meg:  https://calendly.com/glassfulfilledEmail Meg here: meganwebbcoaching@gmail.com   

Josh and Andrew preview Friday's Late Pick 5 at Saratoga on 8/21/26!Check out our friends at DRF.com for all your horse racing data needs!Follow us on Twitter @wrong_lead​​​​​​Follow us on Instagram and Threads! @otwleadRead our articles and check out our shirts and other merch at www.onthewronglead.com

Turn the key and pop the clutch as the Tiger rides shotgun with the main man in the creative driver's seat at Ignition Press! Jamie S. Rich, Editor-In-Chief of Ignition Press, enters the Tiger Den for the first time! To talk about his long awaited return to the writer's circle with his new series “Dogsitter.”The flirty and vibrant new comic is more than just your average Rom-Com. With real world settings in Boise, Idaho, the book engages through easy flow and our always preferred “big storytelling” style. With line art by Megan Levens, the pages let Gemma (main char.) and characters really evoke and allow the reader to indulge in the upbeat vibe of passing not-so-strangers in the night.With maybe one of the most interesting origin stories into the industry. Jamie, breaks down his own journey through comics and what he's looking to build over at the new kid on the block, Ignition Press.With issue 3 of Dogsitter about to drop, go snag it and 1 and 2 from your local comic shops, NOW! And check out all the unique titles releasing from one of the best new publishers putting books on the shelf. Even the print quality is CHOICE, My Tigers! So check it and give a listen, cause this is definitely an episode for the creative of heart. - TaddLinks:https://ignitionpress.com/pages/property/the-dogsitterhttps://ignitionpress.com“Have you ever been experienced”… the elusive and majestic energy of the Blue Tiger? Had a sighting in the wilderness of the eternal forest? Drank the blue milk of it's revenge? Then let the people know it exists!A note: The “NOW” is the resurgence of the independent creator through crowd sourcing, self-publishing , and the creator-owned imprint. As the veil gets pulled back ever further and the predatory practices of corporate models and there Ai short cuts get revealed, it is more and more important to support those who actually create the stories and art that we as consumers enjoy. So SUPPORT INDIE PROJECTS and their CREATORS. Help make the indies the mainstream. Even the smallest of gestures can be of the biggest help.Oh look, We've still got a shop and there's designs and art prints! Bare the blue and seek your revenge: BTR shop! This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit bluetigerrevenge.substack.com

Click here for the DRB Daily Sign Up form! TODAY'S SCRIPTURE: Jeremiah 23–25; John 19 Click HERE to give! One Year Bible Podcast: Join Hunter and Heather Barnes on the Daily Radio Bible, a daily Bible‑in‑a‑year podcast with 20‑minute Scripture readings, Christ‑centered devotion, and guided prayer.This daily Bible reading and devotional invites you to live as a citizen of Jesus' kingdom, reconciled, renewed, and deeply loved. TODAY'S EPISODE: Welcome to the Daily Radio Bible! Today is August 17th, and Heather is guiding us through Jeremiah 23–25 and John 19. In Jeremiah, we hear sobering warnings against false shepherds and prophets who have misled God's people. Jeremiah is commanded to carry a cup of judgment to the nations, revealing the destructive consequences of violence, idolatry, injustice, and oppression. Then, in John 19, we encounter another cup. Jesus stands before the powers of religion and empire and willingly enters into the suffering of the cross. He takes into himself the hatred, violence, betrayal, and brokenness of the world, not to return violence for violence, but to overcome it through self-giving love. Today's devotion invites us to consider the story of these two cups. Jesus drinks the cup of human sorrow and wrath completely, declaring, "It is finished." In its place, he offers us the cup of his own life, filled with reconciliation, forgiveness, hope, and joy. Settle in, open your heart, and let us listen together for the living Word of God. TODAY'S DEVOTION: It's a story of two cups. In our reading from Jeremiah today, the prophet is commanded to take a cup to the nations. It is a cup filled with wrath and judgment, intended for every nation and empire of the world. The message is weighty and sobering. Jeremiah speaks of judgment against the evil, darkness, idolatry, violence, and oppression that have been poured out across the earth. Nation after nation, king after king, is called to drink from this cup. Their power will be shattered, and their lands will be left desolate. The seriousness of evil and the reality of God's justice are on full display. This cup of wrath cannot simply be ignored. But then we turn to John 19, and we see another cup. This time, the cup is pressed into the hands of Jesus. It is a cup filled with the senseless wrath of the crowd, the cold wrath of religion, and the merciless wrath of empire. It overflows with the violence, hatred, fear, and brokenness of humanity. Yet, to our astonishment, God himself steps forward and willingly drinks from this cup. Jesus absorbs into his own body all that is evil: every act of betrayal, every wound, every accusation, every expression of hatred, and every shadow of despair. He takes it into himself, and through his self-giving love, he overcomes it all. He does not respond to violence with greater violence. He does not answer hatred with hatred. He receives the worst that the powers of this world can offer, and he exhausts their power through forgiveness, mercy, and love. Jesus vanquishes not only the cup of wrath, but death itself. In doing so, he draws humanity into the life and love that he shares with the Father and the Spirit. On the cross, Jesus declares, "It is finished." The cup is fully drained. And in its place, he offers us another cup, the cup of his own life. It is reconciliation for our separation, hope for our despair, forgiveness for our failures, and love for our hatred. Through Christ, we are drawn into a new story. It is not a story ruled by wrath, violence, accusation, and death. It is the story of life restored, humanity reconciled, and creation made whole. That is the cup offered to you and me. It is the cup of grace, forgiveness, thanksgiving, and joy. He drank the cup of our sorrows so that we might lift up the cup of salvation. Today, may we remember these two cups. Let us set down the old cup of our failures, fears, shame, and guilt. Let us lift high the cup of Christ's love and victory. Let us live in the light of what Jesus has accomplished, knowing that he has drawn us into his own life. That's a prayer I have for my own soul. That's a prayer I have for my family, for my wife and my daughters and my son. And that's a prayer I have for you. May we taste and see the goodness of God, and may our lives overflow with gratitude and love. May it be so. TODAY'S PRAYERS: Lord God Almighty and everlasting father you have brought us in safety to this new day preserve us with your Mighty power that we might not fall into sin or be overcome by adversity. And in all we do, direct us to the fulfilling of your purpose  through Jesus Christ Our Lord amen.   Oh God you have made of one blood all the peoples of the earth and sent your blessed son to preach peace to those who are far and those who are near. Grant that people everywhere may seek after you, and find you. Bring the nations into your fold, pour out your Spirit on all flesh, and hasten the coming of your kingdom through Jesus Christ our Lord, Amen.   And now Lord,  make me an instrument of your peace.  Where there is hatred let me sow love. Where there is injury, pardon.  Where there is doubt, faith. Where there is despair, hope.  Where there is darkness, light.  And where there is sadness,  Joy.  Oh Lord grant that I might not seek to be consoled as to console. To be understood as to understand, to be loved as to love.  For it is in the giving that we receive, in the pardoning that we are pardoned, it is in the dying that we are born unto eternal life.  Amen And now as our Lord has taught us we are bold to pray... Our Father who art in heaven, hallowed be thy name, thy kingdom come thy will be done on earth as it is in heaven, give us this day our daily bread, and forgive us our tresspasses as we forgive those who trespass against us, and lead us not unto temptation, but deliver us from evil, for thine is the Kingdom and the power and the glory forever. Amen. Loving God, we give you thanks for restoring us in your image. And nourishing us with spiritual food, now send us forth as forgiven people, healed and renewed, that we may proclaim your love to the world, and continue in the risen life of Christ.  Amen.  OUR WEBSITE: www.dailyradiobible.com We are reading through the New Living Translation.   Leave us a voicemail HERE: https://www.speakpipe.com/dailyradiobible Subscribe to us at YouTube: https://www.youtube.com/@Dailyradiobible/featured OTHER PODCASTS: Listen with Apple Podcast DAILY BIBLE FOR KIDS DAILY PSALMS DAILY PROVERBS DAILY LECTIONARY DAILY CHRONOLOGICAL  

Josh and Andrew preview Friday's Late Pick 5 at Saratoga on 8/14/26!Check out our friends at DRF.com for all your horse racing data needs!Follow us on Twitter @wrong_lead​​​​​​Follow us on Instagram and Threads! @otwleadRead our articles and check out our shirts and other merch at www.onthewronglead.com

Josh and Andrew preview Friday's Late Pick 5 at Saratoga on 8/27/26!Check out our friends at DRF.com for all your horse racing data needs!Follow us on Twitter @wrong_lead​​​​​​Follow us on Instagram and Threads! @otwleadRead our articles and check out our shirts and other merch at www.onthewronglead.com

Sean Clements (@seanclements, The Dink) joins the 'boys to talk tennis, pickleball, and his new movie The Dink before a review of Gus's World Famous Fried Chicken. Plus, another edition of Drank or Stank.Check out The Shrimp Off (now free!) and more at patreon.com/doughboysWatch this episode at youtube.com/doughboysmediaGet Doughboys merch at kinshipgoods.com/doughboysAdvertise on Doughboys via Gumball.fmSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Josh and Andrew preview Friday's Late Pick 5 at Saratoga on 7/31/26!Check out our friends at DRF.com for all your horse racing data needs!Follow us on Twitter @wrong_lead​​​​​​Follow us on Instagram and Threads! @otwleadRead our articles and check out our shirts and other merch at www.onthewronglead.com

Britt is gallivanting in Europe, and Matt is stuck here in Sydney without a co-host. So, we called in one of the only people who could fill her shoes, Christian Hull. It is an episode for the record books. It is pure fabulous chaos from the very beginning; strap yourselves in, Scrollers, you're in for a treat. LINKS Follow @highscrollerspodcast on Instagram Follow @alrighthey on all socials Follow @brittney_saunders on all socials Follow @christianhull on all socials Watch us on YouTube HERE Email us HERE scrollers@novapodcasts.com.au "BRING BACK GLAMOUR" TICKETS: moretalent.com.au/alrighthey CREDITSHosts: Alright Hey & Brittney SaundersExecutive Producer: Xander CrossDigital Content Producer: Brittany BirtSee omnystudio.com/listener for privacy information.

Josh and Andrew preview Friday's Late Pick 5 at Saratoga on 7/24/26!Check out our friends at DRF.com for all your horse racing data needs!Follow us on Twitter @wrong_lead​​​​​​Follow us on Instagram and Threads! @otwleadRead our articles and check out our shirts and other merch at www.onthewronglead.com

Miquita Oliver is a podcaster, TV presenter and all-round brilliant woman. She was just 16 when she burst onto our screens co-hosting Channel 4's cult music show Popworld alongside Simon Amstell. Twenty-five years later, she's still one of Britain's most distinctive broadcasters and interviewers. She co-created Miss Me?, with Lily Allen, and now co-hosts it with musician Jordan Stephens of Rizzle Kicks. You may also know Miquita from the acclaimed BBC series The Caribbean with Andi and Miquita, in which she and her mother, Andi Oliver, travelled to Antigua to reconnect with their family, heritage and identity. We talk about Miquita surviving the 2004 tsunami in Thailand, the shame she associates with going bankrupt, her struggle with alcoholism in her thirties, love, family, and why she still can't quite conquer her driving theory test. She even opens up about her hopes and fears around motherhood. This is an essential conversation for any one who survived the noughties diet culture or who has grappled with financial hardship. Frank, funny and unexpectedly moving: just like Miquita herself. IN THIS EPISODE: 00:00 Introduction 02:42 Heritage and Caribbean Roots 04:19 Tsunami Trauma and Healing 07:04 Iconic Co-Hosts and Craft 10:51 Losing Home 13:03 Miss Me Origins and Honesty 15:26 Bankruptcy Shame and Survival 30:58 Weight and Work Comeback 32:02 Second Reinvention Switch 33:01 Money Lessons After Bankruptcy 34:21 Why Aren't We Taught Tax 35:50 Alcoholism 39:19 Leaving Richmond and Getting Clear 43:12 Motherhood Without Shame 48:03 Driving Test Fail LINKS + MENTIONS: Listen to Miss Me? wherever you get your podcasts Join the How To Fail community: www.howtofail.supportingcast.fm/#content Elizabeth's Substack: www.theelizabethday.substack.com WANT MORE? Andi Oliver - swap.fm/l/kcBWNXdPsg7LhgcGhvoF Lily Allen - swap.fm/l/8Otj3tpmbH5SF4xjVHTJ Neneh Cherry - swap.fm/l/r5YD9vNivp5t6yw1gN1U Mabel - swap.fm/l/bfOzGVjFFpo13LK7MHUu LOVE THIS EPISODE? Subscribe on Spotify, Apple or wherever you get your podcasts Leave a 5⭐ review – it helps more people discover these stories Follow How To Fail & Elizabeth: Instagram: @elizabday TikTok: @howtofailpod Podcast Instagram: @howtofailpod Website: www.elizabethday.org Guest bookings for How To Fail only come from official @sonymusic.com emails Elizabeth and Miquita answer listener questions in our subscriber series: www.howtofail.supportingcast.fm/#content Have a failure you're trying to work through for Elizabeth to discuss? Click here to get in touch: howtofailpod.com Production & Post Production Coordinator: Eric Ryan Engineer: Matias Torres Assistant Producer: Shania Manderson Senior Producer: Hannah Talbot Executive Producer: Alex Lawless Find more great podcasts from Sony Music Entertainment at sonymusic.com/podcasts To bring your brand to life in this podcast, email podcastadsales@sonymusic.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

Why did you really drink? Most people think alcohol is the problem. But what if alcohol was actually the solution your brain found for anxiety, insecurity, loneliness, trauma, or the constant feeling that you weren't enough?

When a man gets a call from someone claiming they accidentally used something off his desk, the conversation quickly spirals into complete chaos. What starts as an innocent apology turns into one of the most outrageous misunderstandings you'll ever hear. Don't miss this hilarious Jubal Phone Prank that has everyone questioning what's really in the office break room. The wildest, most hilarious prank call podcast from The Jubal Show! Join Jubal Fresh as he masterminds the funniest and most outrageous phone pranks, catching unsuspecting victims off guard with his quick wit, absurd scenarios, and unmatched comedic timing. Whether he's posing as an over-the-top customer service rep, a clueless boss, or an eccentric neighbor, no call is safe from his unpredictable humor. Get ready to laugh out loud and cringe in the best way possible! New episodes drop every weekday—tune in and let the prank wars begin!➡︎ Submit your Jubal Phone Prank - https://thejubalshow.com This is just a tiny piece of The Jubal Show. You can find every podcast we have, including the full show every weekday right here…➡︎ https://thejubalshow.com/podcasts The Jubal Show is everywhere, and also these places: Website ➡︎ https://thejubalshow.com Instagram ➡︎ https://instagram.com/thejubalshow X/Twitter ➡︎ https://twitter.com/thejubalshow Tiktok ➡︎ https://www.tiktok.com/@the.jubal.show Facebook ➡︎ https://facebook.com/thejubalshow YouTube ➡︎ https://www.youtube.com/@JubalFresh Support the show: https://the-jubal-show.beehiiv.com/subscribeSee omnystudio.com/listener for privacy information.

When a man gets a call from someone claiming they accidentally used something off his desk, the conversation quickly spirals into complete chaos. What starts as an innocent apology turns into one of the most outrageous misunderstandings you'll ever hear. Don't miss this hilarious Jubal Phone Prank that has everyone questioning what's really in the office break room. The wildest, most hilarious prank call podcast from The Jubal Show! Join Jubal Fresh as he masterminds the funniest and most outrageous phone pranks, catching unsuspecting victims off guard with his quick wit, absurd scenarios, and unmatched comedic timing. Whether he's posing as an over-the-top customer service rep, a clueless boss, or an eccentric neighbor, no call is safe from his unpredictable humor. Get ready to laugh out loud and cringe in the best way possible! New episodes drop every weekday—tune in and let the prank wars begin!➡︎ Submit your Jubal Phone Prank - https://thejubalshow.com This is just a tiny piece of The Jubal Show. You can find every podcast we have, including the full show every weekday right here…➡︎ https://thejubalshow.com/podcasts The Jubal Show is everywhere, and also these places: Website ➡︎ https://thejubalshow.com Instagram ➡︎ https://instagram.com/thejubalshow X/Twitter ➡︎ https://twitter.com/thejubalshow Tiktok ➡︎ https://www.tiktok.com/@the.jubal.show Facebook ➡︎ https://facebook.com/thejubalshow YouTube ➡︎ https://www.youtube.com/@JubalFresh Support the show: https://the-jubal-show.beehiiv.com/subscribeSee omnystudio.com/listener for privacy information.

When a man gets a call from someone claiming they accidentally used something off his desk, the conversation quickly spirals into complete chaos. What starts as an innocent apology turns into one of the most outrageous misunderstandings you'll ever hear. Don't miss this hilarious Jubal Phone Prank that has everyone questioning what's really in the office break room. The wildest, most hilarious prank call podcast from The Jubal Show! Join Jubal Fresh as he masterminds the funniest and most outrageous phone pranks, catching unsuspecting victims off guard with his quick wit, absurd scenarios, and unmatched comedic timing. Whether he's posing as an over-the-top customer service rep, a clueless boss, or an eccentric neighbor, no call is safe from his unpredictable humor. Get ready to laugh out loud and cringe in the best way possible! New episodes drop every weekday—tune in and let the prank wars begin!➡︎ Submit your Jubal Phone Prank - https://thejubalshow.com This is just a tiny piece of The Jubal Show. You can find every podcast we have, including the full show every weekday right here…➡︎ https://thejubalshow.com/podcasts The Jubal Show is everywhere, and also these places: Website ➡︎ https://thejubalshow.com Instagram ➡︎ https://instagram.com/thejubalshow X/Twitter ➡︎ https://twitter.com/thejubalshow Tiktok ➡︎ https://www.tiktok.com/@the.jubal.show Facebook ➡︎ https://facebook.com/thejubalshow YouTube ➡︎ https://www.youtube.com/@JubalFresh Support the show: https://the-jubal-show.beehiiv.com/subscribeSee omnystudio.com/listener for privacy information.

Josh and Andrew preview Friday's Late Pick 5 at Saratoga on 7/17/26!Check out our friends at DRF.com for all your horse racing data needs!Follow us on Twitter @wrong_lead​​​​​​Follow us on Instagram and Threads! @otwleadRead our articles and check out our shirts and other merch at www.onthewronglead.com

The "Summer of Habanos" begins with the My Father La Lealtad, a hefty 6x60 cigar delivering balanced notes of cedar, coffee, tobacco, and subtle sweetness. Tony and Fingers also review Costco's Patriot Eagle Bourbon, debate the greatest Southern foods, question the purpose of warm potato salad, and prepare themselves for Indiana State Fair creations involving honey buns, melted butter, and absolutely no restraint. Plus, Walmart cuts prices, Tinder heats up during the World Cup, Adam Sandler causes ridiculous social media outrage, and baby boomers are getting divorced in record numbers. Find everything at [EatDrinkSmokeShow.com](EatDrinkSmokeShow.com).

Skeme & Philly Drank , Writing For Iggy , Mustard , Chris Brown + More , Talks Releasing New Music Learn more about your ad choices. Visit megaphone.fm/adchoices

See omnystudio.com/listener for privacy information.

In this week's Mid-Week Mini Episode, we talk about Scottish Soccer fans and their drinking habits in Boston. Did you know The Internet Says It's True is now a book? Get it here: https://amzn.to/4miqLNy Review this podcast at https://podcasts.apple.com/us/podcast/the-internet-says-it-s-true/id1530853589 Bonus episodes and content available at http://Patreon.com/MichaelKent

Ready for a real reset this summer? Join the Dry July Challenge, a 30-day alcohol-free challenge with daily support, coaching, mindset tools, and community. Stop white-knuckling, break the start-stop drinking cycle, and see how good you can feel without alcohol. Click the link to sign up today. www.nomorewasteddays.co/dryjuly In this episode, Sara talks with sober content creator and author Hadley Sorensen about quitting drinking, blackout drinking, moderation, mommy wine culture, and the pressure to make alcohol part of a “healthy” lifestyle. They also unpack their complicated pasts as Beachbody coaches, including the ways alcohol, fitness culture, and MLM-style marketing became intertwined. Hadley shares why she chose an alcohol-free life without identifying as an alcoholic, what socializing looks like now, and why none can be easier than trying to moderate. Follow Hadley on Instagram: @hadley_sorensen Get her book: The Dirty Truth on Social Drinking: Everything in Moderation and Other BS   Sara's Favorite Things: https://nomorewasteddays.co/favorites/   Support the Podcast: If you love the No More Wasted Days podcast, please take a moment to leave a review on Apple Podcasts or rate and comment on Spotify. It helps more people find the show and begin their own alcohol-free journey.   ***************************************   Follow the podcast on Social Media: IG: @nomorewasteddays.pod   Follow Sara on Social Media: IG: @no_more_wasted_days TikTok: @no_more_wasted_days Facebook: www.facebook.com/NoMoreWastedDaysOfficial  

John 18:1-11 We live in an age obsessed with comfort and the avoidance of pain. But Jesus, in the garden of Gethsemane, faced the most bitter cup imaginable—and chose to drink it. Pastor Chuck Swindoll walks through John 18:1–11, the scene of Jesus' arrest, to examine the cup the Father gave His Son to drink. In Christ's submission lies the model for every believer who must choose obedience when the cost is high. Learn from your Savior's example. Embrace the path of obedience—even when it hurts—and find the strength that comes from trusting God.

John 18:1-11 / June 25-29, 2026 Pastor Chuck Swindoll walks through John 18:1–11, the scene of Jesus' arrest, to examine the cup the Father gave His Son to drink. In Christ's submission lies the model for every believer who must choose obedience when the cost is high. From the Series: How Great Is Our God! read more

John 18:1-11 We live in an age obsessed with comfort and the avoidance of pain. But Jesus, in the garden of Gethsemane, faced the most bitter cup imaginable—and chose to drink it. Pastor Chuck Swindoll walks through John 18:1–11, the scene of Jesus' arrest, to examine the cup the Father gave His Son to drink. In Christ's submission lies the model for every believer who must choose obedience when the cost is high. Learn from your Savior's example. Embrace the path of obedience—even when it hurts—and find the strength that comes from trusting God.

John 18:1-11 / June 25-29, 2026 Pastor Chuck Swindoll walks through John 18:1–11, the scene of Jesus' arrest, to examine the cup the Father gave His Son to drink. In Christ's submission lies the model for every believer who must choose obedience when the cost is high. From the Series: How Great Is Our God! read more

John 18:1-11 We live in an age obsessed with comfort and the avoidance of pain. But Jesus, in the garden of Gethsemane, faced the most bitter cup imaginable—and chose to drink it. Pastor Chuck Swindoll walks through John 18:1–11, the scene of Jesus' arrest, to examine the cup the Father gave His Son to drink. In Christ's submission lies the model for every believer who must choose obedience when the cost is high. Learn from your Savior's example. Embrace the path of obedience—even when it hurts—and find the strength that comes from trusting God.

John 18:1-11 / June 25-29, 2026 Pastor Chuck Swindoll walks through John 18:1–11, the scene of Jesus' arrest, to examine the cup the Father gave His Son to drink. In Christ's submission lies the model for every believer who must choose obedience when the cost is high. From the Series: How Great Is Our God! read more

John 18:1-11 / June 25-29, 2026 Pastor Chuck Swindoll walks through John 18:1–11, the scene of Jesus' arrest, to examine the cup the Father gave His Son to drink. In Christ's submission lies the model for every believer who must choose obedience when the cost is high. From the Series: How Great Is Our God! read more

The Best of the Half-Assed Morning Show. Listen & subscribe to the show on Apple Podcasts, Spotify or Amazon Music. For more, visit https://www.93x.com/half-assed-morning-show/Follow the Half-Assed Morning Show:Twitter/X: @93XHAMSFacebook: @93XHAMSInstagram: @93XHAMSEmail the show: HAMS93X@gmail.com See omnystudio.com/listener for privacy information.

Host of the Kennedy Saves the World podcast crashes the studio in her national team jersey to break down the funniest cultural shockwaves hitting the World Cup! From international tourists losing their minds over air conditioning and free chips and salsa to rowdy Scottish fans literally drinking the entire city of Boston out of beer, she and Brian expose how the world is secretly falling in love with the real America. Learn more about your ad choices. Visit podcastchoices.com/adchoices