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Writing on AI, data science, actuarial science, and the ideas that keep me up at night.

Sep 9, 2026
A hundred-year-old problem and 10,000 agents

In college I remember being fascinated by the Clay mathematical institute's problems. One of these is the Navier-Stokes problem, which basically means figuring out whether fluid dynamical…

aimathematicsresearchagents
Sep 9, 2026
Coffee & Code: auto-context improvement ships in VerbaGPT

Coffee & Code: Just shipped a feature that automatically improves the data context layer, as I posted about yesterday.

aiverbagptdata-scienceautomation
Sep 8, 2026
Self-learning loops for the context layer

One of the biggest goals in AI is 'self-improvement'. This is true for the underlying models, but is even more critical when LLMs are used for some real world task.

aiverbagptdata-scienceautomation
Sep 4, 2026
Do You Speak Claudish?

aiwritingphilosophy
Aug 31, 2026
The new GLM 5.3 flash model on data analysis tasks

The new GLM 5.3 flash model is performing well on data analysis tasks.

aiverbagptdata-sciencellm
Aug 30, 2026
What do we look for in reviewing professional work?

What do we look for in reviewing professional work?

aimcpforxexpertise
Aug 29, 2026
MEPS → ACA Risk Adjustment: an autonomous pipeline run

aimcpforxactuarialrisk-adjustmentmeps
Aug 28, 2026
MCP for X expertise ready and run

MCP for X expertise ready and run using an agent of my choice. Getting email updates. If everything works well, my MEPS data in a local SQL instance should be all risk scored, reviewed, and…

aimcpforxactuarialrisk-adjustmentmeps
Aug 27, 2026
The "easy button" that is AI

We have to be careful of our relationship with the "easy button" that is AI. For our own benefit, we need to be clear on the value added by human expertise vs artificial.

aimcpforxphilosophylabor
Aug 26, 2026
I've been building pieces towards a goal

I've been building pieces towards a goal: Can we get AI to do complex knowledge work with a high level of determinism and competence.

aimcpforxactuarialrisk-adjustment
Aug 25, 2026
Coffee & Code #3: governance, observability, and determinism in one tool

Coffee & Code 3: The industry is doing all kinds of acrobatics to build in governance, observability, auditability, and determinism into complex AI workflows. Usually these 4 things require…

aimcpforxmcpgovernance
Aug 24, 2026
A human-centric AI future

aimcpforxphilosophybusiness
Aug 23, 2026
Coffee & Code #2: GLP-1 agonists in America

Coffee & Code 2: one of my favorite publicly available healthcare datasets is MEPS. It doesn't have risk scores however, so I bolted those onto it. Allows me to do some interesting analyses.

aiverbagpthealthcaredata-sciencemeps
Aug 10, 2026
Claude of the Gaps

Ever since we accelerated the scientific method and an objective understanding of the universe, we have relegated divine interference to the parts of our perception and experience that…

aiphilosophyagi
Jul 31, 2026
Death by a thousand startups

aibusinessstrategyinsuranceenterprise
Jul 5, 2026
Reinventing work, not the wheel.

A few weeks ago I posted about using encoded human expertise to process an astronomical image. It got a good reaction, but the more interesting part happened after I hit publish, when I…

aiagentsmcpforxastrophotographyautomation
Jun 15, 2026
Token Progress

ailaborphilosophybusiness
May 12, 2026
Reproducibility is Not Optional

An AI agent ran an IBNR reserve analysis on a healthcare claims dataset. Five thousand three hundred twenty-six claims. Nine accident years. One data file.

aiagentsmcpforxdecision-treesactuarialibnr
May 8, 2026
Inconsistency Is the Real Failure with LLMs

An AI agent read a prior authorization policy document. The document was long, about 580 lines. It had an FAQ section, CPT code tables, a policy change log, forwarded emails from a medical…

aiagentsmcpforxdecision-treeshealthcare
May 5, 2026
When the context (apparently) contradicts itself

An AI agent read a due diligence framework. The framework referenced an appendix, so it read that too. The appendix contained a precedents section with worked examples from prior…

aiagentsmcpforxdecision-treesfinance
May 4, 2026
AI Labs Are Becoming Consultants

aibusinessstrategyprivate-equity
Apr 29, 2026
AI Agents are not enough.

aiagentsmcpforxdecision-treeshealthcare
Mar 30, 2026
You're absolutely right.

I just corrected an AI after it kept insisting a given date was a Wednesday. The correct answer, trivially verified, was Thursday.

aillmhallucinationphilosophy
Mar 24, 2026
AI-pilled-then-killed

The economics of LLMs are nightmarish. And enterprises may be sleep-walking into a trap.

aibusinessstrategyverbagpt
Mar 19, 2026
McKinsey's flagship LLM system got hacked. By an LLM.

McKinsey's internal AI platform, Lilli, was compromised in a controlled security test by a startup called CodeWall. Their autonomous AI agent found a very old kind of bug in a very modern…

aisecurityenterprisellm
Mar 17, 2026
Counting up from zero

There are now more than 10,000 LLM-based SaaS startups in the United States. The number varies depending on how one defines the category, but the broad point holds. The market has filled…

aisaasstartupstechnology
Mar 14, 2026
Stop Waiting for Perfect Data Documentation Before Using AI

aidata-scienceverbagptdata-documentation
Mar 13, 2026
Data analytic workflows are obsolete. We just don't know it yet.

The traditional flow of using analytics tools with data is already feeling dated.

aidata-scienceverbagptautomation
Mar 9, 2026
Liberating Memory

If you've been using ChatGPT or Claude or Gemini for a while, you've probably noticed they're getting better at remembering you. That's intentional. Memory is one of the biggest features…

aimemorymcpphilosophy
Jan 17, 2026
Model Lock-in is the New Vendor Lock-in

Model lock-in is the new vendor lock-in. And it may be worse.

aitechnologyphilosophy
Jan 15, 2026
The Unreasonable Effectiveness of Code

ClaudeCode, codex, opencode, etc. - these tools are about way more than just "code". Or equivalently, we vastly underestimate the versatility of code.

aiverbagptproductivity
Jan 14, 2026
We're Drowning in Tools

We're drowning in tools. As AI makes it trivial to build software for extremely narrow problems, we risk creating a tool zoo that demands more attention than it saves.

aiproductivityproductphilosophy
Jan 13, 2026
End-to-End Autonomous Data Analysis

aidata-scienceverbagpthealthcaremlrautomation
Jan 7, 2026
What AI Future Do We Want?

aiphilosophytechnologyproduct
Dec 26, 2025
Agent Skills in LLMs - A Weather Analysis Case Study

aiagentsdata-scienceverbagpt
Dec 21, 2025
Coffee & Code - On Accuracy When LLMs Analyze Real-World Data

aidata-sciencellmaccuracyverbagpt
Sep 29, 2025
Welcome to the upside-Down!

Welcome to the upside-Dodown!

Sep 27, 2025
The True Cost of Investment Fees - Interactive Calculator

A friend at a party might tell you to buy that hot new stock or IPO. Or the stock market might tank tomorrow and you may want to pull your money out. Or you might be tempted into active…

investingpersonal-financefeescompound-interest
Sep 17, 2025
Brute Force AI

We're witnessing the rise of a peculiar phenomenon in AI: agents that throw massive amounts of compute at problems that could be solved with a fraction of the tokens. It's like watching…

aiagentsreasoningcomputeefficiency
Sep 16, 2025
The Hidden Cognitive Costs of AI-Driven Productivity

In the rush to embrace AI tools that promise to compress weeks of work into days, we may be overlooking a crucial side effect: the cognitive toll of hyper-accelerated workflows. While…

aiproductivitycognitiondecision-making
Aug 29, 2025
Vibe Shift

aitechnologyvibe-codingphilosophy
Jan 15, 2025
Embracing Uncertainty in Actuarial Practice

As actuaries, we spend our professional lives trying to quantify uncertainty, predict the unpredictable, and model the future. Yet perhaps the most important lesson I've learned in my…

actuarialrisk adjustment
Sep 25, 2024
Simplifying Risk Adjustment

Syed Muzayan Mehmud September 2024

healthcareactuarialrisk-adjustmentmedicarepolicy
Jan 17, 2022
Benford's spell and potential application in fighting healthcare fraud

Once in a while you come across some great content on Netflix. The show Connected presented by Latif Nasser is one such example. In particular, the episode Digits had me wondering whether…

healthcarefraud-detectiondata-sciencebenfords-lawmathematics
Jan 3, 2021
The Gradient Ascent

There is a branch of mathematics called optimization theory that is behind all sorts of algorithms, including AI. These algorithms search through the space of possible solutions to find one…

aidecision-makingmathematics
Nov 14, 2020
Automated Machine Learning

aimachine-learningautomldata-science
Feb 12, 2020
AI and Healthcare

Fearing an omniscient AI is a trend. Countries are (allegedly) racing towards developing general AI, and whoever gets to the ring first - will rule them all!

aihealthcaremachine-learningdrug-discoverydiagnosticsmedical-imagingrobotics
Jul 26, 2019
New Variables for Risk Adjustment

The science (or art) of healthcare claim-based risk adjustment is about three decades old. For the most part, the information used in these models has remained the same: diagnoses and…

actuarialhealthcarerisk-adjustmentdata-sciencesdoh
May 29, 2019
Long Blog Post

This is the summary of a very long blog post,

hellodocusaurus
May 28, 2019
First Blog Post

Lorem ipsum dolor sit amet...

holadocusaurus
Mar 5, 2019
Risk Adj: A Blend of Future & Past

This post is another in my series of posts on healthcare risk adjustment. As I promised in my last article on RADV, this one will be a less tedious read!

actuarialhealthcarerisk-adjustmentmethodologymodeling
Jan 21, 2019
RA Series: ACA RADV

This post is another in my series of posts on risk adjustment. My goal in this one is to provide a high-level overview of the Affordable Care Act (ACA) Risk Adjustment Data Validation…

actuarialhealthcarerisk-adjustmentacaauditinghcc
Jan 13, 2019
The Fall and Rise of AI

There is a revolution happening in analytics and Artificial Intelligence (AI) is at its center. My goal with this post is to catch you up on the 80-year history of AI by the time I finish…

aihistorydeep-learningmachine-learningneural-networksphilosophy
Jul 10, 2018
Boosting Risk

The Wall Street Journal broke the story on the eve of July 6 that it was expected that the Trump administration would halt "risk adjustment payments" to Affordable Care Act (ACA) plans. The…

actuarialhealthcarerisk-adjustmentacapolicyinsurance