{"version":"1.0.0","segments":[{"startTime":0.049,"endTime":2.72,"body":"Artificial intelligence is"},{"startTime":0.049,"endTime":2.72,"body":"changing the insurance game."},{"startTime":2.99,"endTime":5.779,"body":"Let's find out if it's for the"},{"startTime":2.99,"endTime":5.779,"body":"better or for the worse with today's"},{"startTime":5.779,"endTime":8.36,"body":"very special guest, Amber Moss."},{"startTime":9.089,"endTime":12.719,"body":"Welcome to the Artificial Intelligence"},{"startTime":9.089,"endTime":12.719,"body":"Podcast, where we make AI simple,"},{"startTime":12.78,"endTime":15.989,"body":"practical, and accessible for"},{"startTime":12.78,"endTime":15.989,"body":"small business owners and leaders."},{"startTime":16.079,"endTime":19.08,"body":"Forget the complicated T talk"},{"startTime":16.079,"endTime":19.08,"body":"or expensive consultants."},{"startTime":19.14,"endTime":22.14,"body":"This is where you'll learn how to"},{"startTime":19.14,"endTime":22.14,"body":"implement AI strategies that are"},{"startTime":22.2,"endTime":25.47,"body":"easy to understand and can make"},{"startTime":22.2,"endTime":25.47,"body":"a big impact for your business."},{"startTime":25.494,"endTime":27.714,"body":"The Artificial Intelligence"},{"startTime":25.494,"endTime":27.714,"body":"Podcast is brought to you by"},{"startTime":27.714,"endTime":31.074,"body":"fraction, a IO, the trusted partner"},{"startTime":27.714,"endTime":31.074,"body":"for AI Digital transformation."},{"startTime":31.134,"endTime":34.824,"body":"At fraction a IO, we help small and"},{"startTime":31.134,"endTime":34.824,"body":"medium sized businesses boost revenue"},{"startTime":34.824,"endTime":39.025,"body":"by eliminating time wasting non-revenue"},{"startTime":34.824,"endTime":39.025,"body":"generating tasks that frustrate your team."},{"startTime":39.144,"endTime":43.165,"body":"With our custom AI bots, tools and"},{"startTime":39.144,"endTime":43.165,"body":"automations, we make it easy to"},{"startTime":43.165,"endTime":44.815,"body":"shift your team's focus to the task."},{"startTime":44.82,"endTime":45.66,"body":"That matter most."},{"startTime":45.66,"endTime":49.92,"body":"Driving growth and results, we"},{"startTime":45.66,"endTime":49.92,"body":"guide you through a smooth, seamless"},{"startTime":49.92,"endTime":53.55,"body":"transition to ai, ensuring you avoid"},{"startTime":49.92,"endTime":53.55,"body":"policy mistakes and invest in the"},{"startTime":53.55,"endTime":55.53,"body":"tools that truly deliver value."},{"startTime":55.56,"endTime":56.67,"body":"Don't get left behind."},{"startTime":56.7,"endTime":58.08,"body":"Let fraction aio help you."},{"startTime":58.08,"endTime":60.15,"body":"Stay ahead in today's AI driven world."},{"startTime":60.33,"endTime":60.99,"body":"Learn more."},{"startTime":61.14,"endTime":61.8,"body":"Get started."},{"startTime":61.83,"endTime":63.81,"body":"Fraction aio.com."},{"startTime":66.494,"endTime":68.684,"body":"Amber, I'm really excited"},{"startTime":66.494,"endTime":68.684,"body":"to have you here because."},{"startTime":69.734,"endTime":73.604,"body":"One of the areas that artificial"},{"startTime":69.734,"endTime":73.604,"body":"intelligence is the best at is"},{"startTime":73.724,"endTime":76.004,"body":"organizing, sorting, and analyzing data."},{"startTime":76.004,"endTime":79.874,"body":"We often think about making videos"},{"startTime":76.004,"endTime":79.874,"body":"and all those cool things, but"},{"startTime":79.874,"endTime":81.224,"body":"it's not the most useful thing."},{"startTime":81.224,"endTime":83.414,"body":"It's often the biggest"},{"startTime":81.224,"endTime":83.414,"body":"value comes from the boring."},{"startTime":83.954,"endTime":87.659,"body":"And when I think of boring, I often"},{"startTime":83.954,"endTime":87.659,"body":"think of actuarial tables and statistics,"},{"startTime":87.659,"endTime":89.474,"body":"and that's really where I'm at."},{"startTime":89.474,"endTime":92.024,"body":"My weak spreadsheets is my great"},{"startTime":89.474,"endTime":92.024,"body":"weakness, but I know that a"},{"startTime":92.024,"endTime":93.554,"body":"lot is changing in insurance."},{"startTime":93.554,"endTime":94.634,"body":"And how do you see."},{"startTime":95.274,"endTime":97.794,"body":"Especially when it comes to"},{"startTime":95.274,"endTime":97.794,"body":"risk and risk management."},{"startTime":97.914,"endTime":99.504,"body":"How is AI changing everything I."},{"startTime":100.904,"endTime":107.834,"body":"I think it's right now, it's slowly coming"},{"startTime":100.904,"endTime":107.834,"body":"into our industry and we have to be very"},{"startTime":107.834,"endTime":113.474,"body":"strategic and careful on how we're using"},{"startTime":107.834,"endTime":113.474,"body":"the data and where we're using the data."},{"startTime":113.904,"endTime":116.874,"body":"Because as we're working"},{"startTime":113.904,"endTime":116.874,"body":"with very sensitive data."},{"startTime":117.394,"endTime":120.199,"body":"In my line of work,"},{"startTime":117.394,"endTime":120.199,"body":"specifically healthcare."},{"startTime":120.979,"endTime":124.879,"body":"I'm working with medical"},{"startTime":120.979,"endTime":124.879,"body":"diagnosees, I'm dealing with"},{"startTime":124.879,"endTime":126.889,"body":"claims, I'm dealing with socials."},{"startTime":127.339,"endTime":132.259,"body":"So for me, it might not be the"},{"startTime":127.339,"endTime":132.259,"body":"best to use AI in a situation where"},{"startTime":132.259,"endTime":134.179,"body":"I'm presenting data such as that."},{"startTime":134.959,"endTime":141.034,"body":"But I think it's, I. A lot of our"},{"startTime":134.959,"endTime":141.034,"body":"team is able to produce more beautiful"},{"startTime":141.034,"endTime":146.764,"body":"presentations for our standard verbiage"},{"startTime":141.034,"endTime":146.764,"body":"and risk management, lingo quote."},{"startTime":147.254,"endTime":149.654,"body":"So it's helping us to be able to produce."},{"startTime":150.809,"endTime":152.459,"body":"Better presentations."},{"startTime":152.879,"endTime":157.289,"body":"But on the legal side of that, I"},{"startTime":152.879,"endTime":157.289,"body":"think what's going to happen is"},{"startTime":157.739,"endTime":162.639,"body":"when we go to court, because you"},{"startTime":157.739,"endTime":162.639,"body":"do get sued and insurance, we have"},{"startTime":162.639,"endTime":164.439,"body":"to say judge, I didn't say that."},{"startTime":165.039,"endTime":167.679,"body":"I used artificial"},{"startTime":165.039,"endTime":167.679,"body":"intelligence to say that."},{"startTime":168.069,"endTime":172.299,"body":"So we have to be careful on how we"},{"startTime":168.069,"endTime":172.299,"body":"are doing our presentations and how"},{"startTime":172.299,"endTime":175.029,"body":"we're noting when AI is being used."},{"startTime":175.614,"endTime":180.924,"body":"So that in the court of law, it's who"},{"startTime":175.614,"endTime":180.924,"body":"said what or where did this come from?"},{"startTime":183.714,"endTime":187.704,"body":"It brings me to one of, I think the"},{"startTime":183.714,"endTime":187.704,"body":"biggest dangers with ai, which is"},{"startTime":187.704,"endTime":192.294,"body":"that it leads us to be too lazy."},{"startTime":192.294,"endTime":196.554,"body":"So AI can do 90% of the work, but we"},{"startTime":192.294,"endTime":196.554,"body":"tend to let it just do a hundred percent"},{"startTime":196.554,"endTime":197.994,"body":"and that's where the glitches happen."},{"startTime":198.684,"endTime":201.224,"body":"It's that, it did it first,"},{"startTime":198.684,"endTime":201.224,"body":"find the first eight times, so"},{"startTime":201.224,"endTime":202.184,"body":"I need to really double check."},{"startTime":202.184,"endTime":205.184,"body":"It's worth the ninth time and that's"},{"startTime":202.184,"endTime":205.184,"body":"when something slips through the cracks."},{"startTime":205.634,"endTime":211.894,"body":"I see this all the time where people will"},{"startTime":205.634,"endTime":211.894,"body":"post something they didn't read right."},{"startTime":211.894,"endTime":214.324,"body":"And that's really, I think, the"},{"startTime":211.894,"endTime":214.324,"body":"most dangerous thing and it's."},{"startTime":216.164,"endTime":218.779,"body":"I think that's the biggest problem is"},{"startTime":216.164,"endTime":218.779,"body":"that it's so easy, it's easy to slide"},{"startTime":218.779,"endTime":220.489,"body":"into that, which is that's probably fine."},{"startTime":221.509,"endTime":223.574,"body":"And that's the thought that"},{"startTime":221.509,"endTime":223.574,"body":"goes through your mind."},{"startTime":224.534,"endTime":228.714,"body":"The, I'm a current law student"},{"startTime":224.534,"endTime":228.714,"body":"and one thing that we're noticing"},{"startTime":228.714,"endTime":230.754,"body":"are the AI hallucinations."},{"startTime":231.014,"endTime":235.704,"body":"There's been recent cases where and"},{"startTime":231.014,"endTime":235.704,"body":"I have it right here where a lawyer"},{"startTime":235.704,"endTime":239.254,"body":"submitted something a fake yes."},{"startTime":240.124,"endTime":242.374,"body":"Trial it, it was gonna go to trial."},{"startTime":242.374,"endTime":245.524,"body":"He used chat, GPT and a legal briefing."},{"startTime":245.764,"endTime":247.504,"body":"It got sent to the judge."},{"startTime":247.504,"endTime":249.094,"body":"The sightings were correct."},{"startTime":249.094,"endTime":252.064,"body":"It looked legitimate, but it"},{"startTime":249.094,"endTime":252.064,"body":"was purely a hallucination."},{"startTime":252.514,"endTime":258.394,"body":"So the legal field is, also worried"},{"startTime":252.514,"endTime":258.394,"body":"that judges might become obsolete."},{"startTime":258.454,"endTime":261.424,"body":"And AI started in 1950, so it's been."},{"startTime":262.139,"endTime":264.299,"body":"It's been a long time coming."},{"startTime":264.809,"endTime":268.859,"body":"I'm sure I did a lot of research on the"},{"startTime":264.809,"endTime":268.859,"body":"founder of AI and all that good stuff,"},{"startTime":269.879,"endTime":274.619,"body":"but on the legal side, it's also becoming"},{"startTime":269.879,"endTime":274.619,"body":"a problem because if you're not protected"},{"startTime":275.129,"endTime":280.139,"body":"properly with cybersecurity, and that's"},{"startTime":275.129,"endTime":280.139,"body":"something we offer all of our clients,"},{"startTime":280.379,"endTime":282.959,"body":"cybersecurity protection and policies."},{"startTime":283.329,"endTime":283.419,"body":"But."},{"startTime":284.239,"endTime":287.629,"body":"There were at least seven cases"},{"startTime":284.239,"endTime":287.629,"body":"submitted to a federal court"},{"startTime":287.629,"endTime":289.369,"body":"that looked legit that were not."},{"startTime":289.849,"endTime":294.979,"body":"While there's so many positives my biggest"},{"startTime":289.849,"endTime":294.979,"body":"concern is the legal side of things."},{"startTime":295.339,"endTime":300.579,"body":"And how do we control, what is"},{"startTime":295.339,"endTime":300.579,"body":"being sent to our courts or, what is"},{"startTime":300.579,"endTime":303.099,"body":"being sent in trial and who said it?"},{"startTime":303.099,"endTime":306.729,"body":"Where did it come from and"},{"startTime":303.099,"endTime":306.729,"body":"what software are you using?"},{"startTime":309.304,"endTime":312.064,"body":"Yeah, you bring up something really"},{"startTime":309.304,"endTime":312.064,"body":"important, which is that when it"},{"startTime":312.064,"endTime":314.764,"body":"comes to the law, you have to be"},{"startTime":312.064,"endTime":314.764,"body":"correct a hundred percent of the"},{"startTime":314.764,"endTime":317.734,"body":"time, not 90 or 95% of the time."},{"startTime":317.734,"endTime":322.804,"body":"There's a really big difference, and"},{"startTime":317.734,"endTime":322.804,"body":"there's this mistaken belief that"},{"startTime":322.804,"endTime":324.934,"body":"AI never makes a mistake, right?"},{"startTime":324.934,"endTime":327.964,"body":"And that only applies to small categories."},{"startTime":327.964,"endTime":332.374,"body":"It never makes spelling mistakes or"},{"startTime":327.964,"endTime":332.374,"body":"grammar mistakes, everything else."},{"startTime":333.334,"endTime":334.534,"body":"It makes a lot of mistakes."},{"startTime":334.654,"endTime":338.134,"body":"And I saw something as recent as"},{"startTime":334.654,"endTime":338.134,"body":"someone was using the Twitter AI and"},{"startTime":338.134,"endTime":339.724,"body":"said, when did Elon Musk buy Twitter?"},{"startTime":339.724,"endTime":340.684,"body":"And it got the date wrong."},{"startTime":341.544,"endTime":343.524,"body":"And it's if you, that's your master."},{"startTime":343.564,"endTime":346.504,"body":"If you're an ai, you should know when"},{"startTime":343.564,"endTime":346.504,"body":"your master birth due or whatever."},{"startTime":346.504,"endTime":351.184,"body":"So it's if something small like"},{"startTime":346.504,"endTime":351.184,"body":"that, and it's very common."},{"startTime":351.184,"endTime":353.704,"body":"I've had many times where"},{"startTime":351.184,"endTime":353.704,"body":"it gets something wrong and"},{"startTime":353.704,"endTime":354.814,"body":"goes, oh, sorry, you're right."},{"startTime":354.964,"endTime":356.974,"body":"But then if you ask it again later,"},{"startTime":354.964,"endTime":356.974,"body":"it's still gonna get it wrong."},{"startTime":356.974,"endTime":357.514,"body":"And that's."},{"startTime":358.819,"endTime":362.239,"body":"Really hard for people to understand"},{"startTime":358.819,"endTime":362.239,"body":"that it's an ai, but it's still"},{"startTime":362.239,"endTime":365.269,"body":"fallible, like it doesn't, in our"},{"startTime":362.239,"endTime":365.269,"body":"heads, we think either something's"},{"startTime":365.269,"endTime":368.269,"body":"perfect as an ai, it's a perfect"},{"startTime":365.269,"endTime":368.269,"body":"intelligent machine, or it's a human,"},{"startTime":368.749,"endTime":370.069,"body":"but it's really somewhere in between."},{"startTime":370.069,"endTime":372.409,"body":"I think this is a really"},{"startTime":370.069,"endTime":372.409,"body":"important area because"},{"startTime":374.449,"endTime":377.569,"body":"we've really changed the definition"},{"startTime":374.449,"endTime":377.569,"body":"of ai, which I think is a big mistake."},{"startTime":377.599,"endTime":380.449,"body":"AI used to mean sentient machine,"},{"startTime":377.599,"endTime":380.449,"body":"and it doesn't mean that anymore."},{"startTime":380.449,"endTime":382.609,"body":"Now it's like pretty smart."},{"startTime":383.284,"endTime":385.204,"body":"Word processor or image maker."},{"startTime":385.204,"endTime":388.984,"body":"And it's I never thought when I was"},{"startTime":385.204,"endTime":388.984,"body":"watching Terminator and 30 years ago"},{"startTime":389.314,"endTime":391.654,"body":"that someone would say, oh, if you just"},{"startTime":389.314,"endTime":391.654,"body":"have something, you push a button, it"},{"startTime":391.654,"endTime":393.364,"body":"makes a picture of a cat riding unicycle."},{"startTime":393.364,"endTime":394.354,"body":"That's also ai."},{"startTime":394.894,"endTime":395.894,"body":"It's like very different."},{"startTime":395.894,"endTime":398.294,"body":"And we've had this mission,"},{"startTime":395.894,"endTime":398.294,"body":"creeper definition creep that's"},{"startTime":398.294,"endTime":400.304,"body":"caused a lot of problems."},{"startTime":400.304,"endTime":403.004,"body":"So for many people they say we're"},{"startTime":400.304,"endTime":403.004,"body":"calling it ai, but it's not."},{"startTime":403.004,"endTime":404.084,"body":"And they say strong ai."},{"startTime":404.084,"endTime":404.594,"body":"Weak ai."},{"startTime":404.594,"endTime":407.954,"body":"Now they're saying artificial general"},{"startTime":404.594,"endTime":407.954,"body":"intelligence, which is a terrible name."},{"startTime":408.309,"endTime":408.399,"body":"And"},{"startTime":408.399,"endTime":411.639,"body":"it's so let's just make a name"},{"startTime":408.399,"endTime":411.639,"body":"that doesn't sound very good,"},{"startTime":411.639,"endTime":413.829,"body":"or synthetic intelligence,"},{"startTime":411.639,"endTime":413.829,"body":"they'll probably go with next."},{"startTime":413.829,"endTime":417.099,"body":"But I think that this is an"},{"startTime":413.829,"endTime":417.099,"body":"important, which is that you still"},{"startTime":417.099,"endTime":418.509,"body":"have to double check the work."},{"startTime":418.509,"endTime":418.569,"body":"Yeah."},{"startTime":419.049,"endTime":425.169,"body":"Just like you would for any first year,"},{"startTime":419.049,"endTime":425.169,"body":"someone at a law school or summer intern,"},{"startTime":425.229,"endTime":429.729,"body":"mistakes happen and the assumption"},{"startTime":425.229,"endTime":429.729,"body":"is that AI never makes mistakes."},{"startTime":429.764,"endTime":434.199,"body":"And one of the, one of the things"},{"startTime":429.764,"endTime":434.199,"body":"that happens is as you work with"},{"startTime":434.199,"endTime":435.824,"body":"AI a lot, you start to notice."},{"startTime":436.914,"endTime":438.384,"body":"Consistency in the mistake."},{"startTime":438.384,"endTime":440.904,"body":"So there's certain things that"},{"startTime":438.384,"endTime":440.904,"body":"chat GBT does that I can always"},{"startTime":440.904,"endTime":441.899,"body":"tell when someone's used it."},{"startTime":443.124,"endTime":447.414,"body":"So I am working on a book project for"},{"startTime":443.124,"endTime":447.414,"body":"someone and I can tell when they use"},{"startTime":447.414,"endTime":451.434,"body":"chat g PT on certain chapters, I can"},{"startTime":447.414,"endTime":451.434,"body":"say, oh, you didn't write this right?"},{"startTime":451.464,"endTime":452.694,"body":"It doesn't sound like you anymore."},{"startTime":452.694,"endTime":454.794,"body":"And it uses certain words we never use."},{"startTime":454.794,"endTime":458.034,"body":"And it's different for every person,"},{"startTime":454.794,"endTime":458.034,"body":"but there's certain things, consistency."},{"startTime":458.034,"endTime":460.704,"body":"Like when it's like in the ever-changing"},{"startTime":458.034,"endTime":460.704,"body":"digital landscape, whenever I hear"},{"startTime":460.704,"endTime":463.674,"body":"the word landscape and then there's"},{"startTime":460.704,"endTime":463.674,"body":"a comma, I know it's ai, right?"},{"startTime":463.674,"endTime":464.574,"body":"Because humans don't say that."},{"startTime":464.664,"endTime":466.194,"body":"It's a weird phrase or pondering."},{"startTime":466.194,"endTime":467.094,"body":"I've never pondered."},{"startTime":467.414,"endTime":468.884,"body":"I thought so."},{"startTime":468.884,"endTime":470.144,"body":"There's certain giveaways"},{"startTime":470.414,"endTime":471.164,"body":"That's true."},{"startTime":471.469,"endTime":471.759,"body":"True."},{"startTime":472.064,"endTime":472.664,"body":"Certain giveaways."},{"startTime":472.664,"endTime":472.964,"body":"Yep."},{"startTime":473.394,"endTime":477.794,"body":"And that's why, going back to"},{"startTime":473.394,"endTime":477.794,"body":"insurance, we have very smart clients."},{"startTime":477.794,"endTime":482.244,"body":"We're working with, multimillion"},{"startTime":477.794,"endTime":482.244,"body":"dollar companies and CEOs, and we have"},{"startTime":482.244,"endTime":484.344,"body":"to go in with our best foot forward."},{"startTime":484.999,"endTime":491.219,"body":"I personally I use artificial intelligence"},{"startTime":484.999,"endTime":491.219,"body":"a lot for my consulting firm, but when"},{"startTime":491.219,"endTime":497.429,"body":"it comes to my insurance work each case"},{"startTime":491.219,"endTime":497.429,"body":"is so different and the way that they"},{"startTime":497.429,"endTime":499.559,"body":"fund the, their plan, the way that."},{"startTime":500.494,"endTime":504.724,"body":"You have to speak, I think"},{"startTime":500.494,"endTime":504.724,"body":"needs to come from yourself."},{"startTime":505.124,"endTime":508.184,"body":"We are slowly warming up to it."},{"startTime":508.664,"endTime":513.314,"body":"But I will be honest with you, I think"},{"startTime":508.664,"endTime":513.314,"body":"it's the last few months is really in my"},{"startTime":513.314,"endTime":518.294,"body":"organizations where we're seeing teams"},{"startTime":513.314,"endTime":518.294,"body":"going, oh yeah, I used AI and going well."},{"startTime":518.724,"endTime":519.714,"body":"Where did you get it?"},{"startTime":519.774,"endTime":521.244,"body":"Where'd you get that AI data?"},{"startTime":521.244,"endTime":523.044,"body":"What are you using to do it?"},{"startTime":523.044,"endTime":527.804,"body":"We need to be consistent as an"},{"startTime":523.044,"endTime":527.804,"body":"organization so that, and we are, our"},{"startTime":527.804,"endTime":532.714,"body":"clients, we pride ourselves on giving our"},{"startTime":527.804,"endTime":532.714,"body":"clients a hundred percent of our best."},{"startTime":533.134,"endTime":538.664,"body":"And so we're very careful on what"},{"startTime":533.134,"endTime":538.664,"body":"we use with using ai just because"},{"startTime":538.664,"endTime":540.614,"body":"of the critical nature of the data."},{"startTime":543.299,"endTime":546.779,"body":"Yeah, there's a lot of legal"},{"startTime":543.299,"endTime":546.779,"body":"implications for AI that people don't"},{"startTime":546.779,"endTime":551.399,"body":"pay attention to, so there's these"},{"startTime":546.779,"endTime":551.399,"body":"different pieces you have to have."},{"startTime":551.399,"endTime":553.109,"body":"It's do you actually have"},{"startTime":551.399,"endTime":553.109,"body":"a contract with a company?"},{"startTime":553.109,"endTime":556.019,"body":"Do you have a BAA that says that"},{"startTime":553.109,"endTime":556.019,"body":"they won't train on your data."},{"startTime":556.019,"endTime":558.929,"body":"Do you have my main project,"},{"startTime":556.019,"endTime":558.929,"body":"I work for a company."},{"startTime":558.929,"endTime":562.739,"body":"We have to be hip, but SOC two compliant,"},{"startTime":558.929,"endTime":562.739,"body":"which means that we have very specific"},{"startTime":562.739,"endTime":565.379,"body":"requirements for data and which"},{"startTime":562.739,"endTime":565.379,"body":"things we're allowed to use, and so"},{"startTime":565.379,"endTime":566.609,"body":"people are like, which AI can we use?"},{"startTime":566.609,"endTime":571.639,"body":"I'm like, none of them until we"},{"startTime":566.609,"endTime":571.639,"body":"sign a contract and that's really"},{"startTime":571.879,"endTime":574.189,"body":"something that's hard for people to"},{"startTime":571.879,"endTime":574.189,"body":"understand because there's the danger of"},{"startTime":574.189,"endTime":578.149,"body":"accidentally, just like you have with I"},{"startTime":574.189,"endTime":578.149,"body":"Church, accidentally revealing personal"},{"startTime":578.149,"endTime":582.439,"body":"information is a really big deal, and"},{"startTime":578.149,"endTime":582.439,"body":"it happens all the time incidentally,"},{"startTime":582.949,"endTime":585.949,"body":"and there's all these ways you don't"},{"startTime":582.949,"endTime":585.949,"body":"think about it, which is you're doing"},{"startTime":585.949,"endTime":589.759,"body":"a screen recording and you accidentally"},{"startTime":585.949,"endTime":589.759,"body":"flash the wrong tab for one second."},{"startTime":590.919,"endTime":591.189,"body":"Yeah."},{"startTime":591.369,"endTime":591.999,"body":"That counts."},{"startTime":592.419,"endTime":598.089,"body":"So I'm really interested in how"},{"startTime":592.419,"endTime":598.089,"body":"things are changing going forward."},{"startTime":598.149,"endTime":602.289,"body":"So you mentioned earlier"},{"startTime":598.149,"endTime":602.289,"body":"cybersecurity insurance."},{"startTime":602.289,"endTime":604.809,"body":"Is AI changing the approach to that?"},{"startTime":604.809,"endTime":610.269,"body":"Because now there's this new vector, which"},{"startTime":604.809,"endTime":610.269,"body":"is that people can use AI to do, mimic"},{"startTime":610.269,"endTime":614.169,"body":"a voice or mimic a video or do these new"},{"startTime":610.269,"endTime":614.169,"body":"phishing attacks or smishing attacks."},{"startTime":614.169,"endTime":615.909,"body":"There's all these different"},{"startTime":614.169,"endTime":615.909,"body":"types of attacks and also"},{"startTime":616.359,"endTime":617.859,"body":"you can socially engineer."},{"startTime":618.364,"endTime":619.234,"body":"A chat bot now."},{"startTime":619.654,"endTime":622.984,"body":"You can actually trick a chat bot into"},{"startTime":619.654,"endTime":622.984,"body":"revealing information if it's trained on"},{"startTime":622.984,"endTime":626.854,"body":"too much information, which is something"},{"startTime":622.984,"endTime":626.854,"body":"I struggle to convince my clients."},{"startTime":626.854,"endTime":628.414,"body":"I'm always overly security conscious."},{"startTime":628.414,"endTime":631.324,"body":"I'm like the chat bot should know"},{"startTime":628.414,"endTime":631.324,"body":"anything you don't want everyone to know"},{"startTime":631.324,"endTime":632.614,"body":"because someone can always trick it."},{"startTime":633.014,"endTime":634.394,"body":"There's always a better mouth trap."},{"startTime":634.904,"endTime":638.284,"body":"So how do you see insurance changing?"},{"startTime":638.284,"endTime":640.894,"body":"Do you think we're gonna start seeing"},{"startTime":638.284,"endTime":640.894,"body":"artificial intelligence insurance?"},{"startTime":640.894,"endTime":643.534,"body":"'cause we've seen the way."},{"startTime":644.029,"endTime":646.099,"body":"Viruses online has worked changed."},{"startTime":646.129,"endTime":649.909,"body":"It used to be pub released viruses just"},{"startTime":646.129,"endTime":649.909,"body":"'cause it was funny to crash computers."},{"startTime":649.939,"endTime":653.869,"body":"And then we've seen mistakes from"},{"startTime":649.939,"endTime":653.869,"body":"big companies like CrowdStrike where"},{"startTime":653.869,"endTime":656.329,"body":"they accidentally shut down a large"},{"startTime":653.869,"endTime":656.329,"body":"portion of the internet because"},{"startTime":656.329,"endTime":657.619,"body":"they made a mistake with an update."},{"startTime":657.619,"endTime":661.679,"body":"And in between now we're seeing"},{"startTime":657.619,"endTime":661.679,"body":"more of these, like data hostage"},{"startTime":661.679,"endTime":664.259,"body":"attacks where you lock down."},{"startTime":664.289,"endTime":666.809,"body":"It's now we're attacking companies"},{"startTime":664.289,"endTime":666.809,"body":"and saying, gimme money and"},{"startTime":666.809,"endTime":667.919,"body":"I'll give you back your data."},{"startTime":668.729,"endTime":669.539,"body":"What do you see?"},{"startTime":669.539,"endTime":669.54,"body":"Yeah."},{"startTime":669.545,"endTime":669.894,"body":"Ransom."},{"startTime":670.109,"endTime":670.529,"body":"Yeah."},{"startTime":670.649,"endTime":671.189,"body":"Yeah, ransom."},{"startTime":671.189,"endTime":672.179,"body":"That's the word I was looking for."},{"startTime":672.179,"endTime":672.839,"body":"Not hostage."},{"startTime":672.959,"endTime":673.049,"body":"Yeah."},{"startTime":673.099,"endTime":673.834,"body":"Maybe the future be."},{"startTime":675.704,"endTime":676.964,"body":"Yeah, it's still."},{"startTime":677.084,"endTime":681.464,"body":"So what do you think is the next iteration"},{"startTime":677.084,"endTime":681.464,"body":"where we're gonna start to see, are we"},{"startTime":681.464,"endTime":685.304,"body":"gonna have to have insurance for the AIS"},{"startTime":681.464,"endTime":685.304,"body":"you create or insurance against AI tax?"},{"startTime":685.304,"endTime":686.264,"body":"Do you think it will change?"},{"startTime":687.674,"endTime":688.214,"body":"I do."},{"startTime":688.214,"endTime":690.854,"body":"I'm looking at a policy,"},{"startTime":688.214,"endTime":690.854,"body":"you know right now."},{"startTime":690.884,"endTime":696.044,"body":"I. And they look at a company's"},{"startTime":690.884,"endTime":696.044,"body":"previous cyber incidents like an"},{"startTime":696.044,"endTime":698.264,"body":"extortion, a malware infection."},{"startTime":698.264,"endTime":702.044,"body":"If other, you can put ai if other,"},{"startTime":698.264,"endTime":702.044,"body":"if there's something there, data"},{"startTime":702.044,"endTime":706.814,"body":"loss, privacy breaches, ransomware,"},{"startTime":702.044,"endTime":706.814,"body":"a denial of an attack, theft"},{"startTime":706.814,"endTime":708.584,"body":"of funds, that's another one."},{"startTime":708.584,"endTime":710.144,"body":"AI can trick you into giving funds."},{"startTime":711.524,"endTime":715.559,"body":"So I think that I. I don't"},{"startTime":711.524,"endTime":715.559,"body":"write this personally."},{"startTime":715.559,"endTime":720.769,"body":"This is our, our commercial department"},{"startTime":715.559,"endTime":720.769,"body":"writes these policies, but I do"},{"startTime":720.769,"endTime":722.509,"body":"think there's room for coverage."},{"startTime":722.539,"endTime":729.059,"body":"If, depending on how the I AI affects"},{"startTime":722.539,"endTime":729.059,"body":"the actual attack of the information."},{"startTime":729.759,"endTime":736.939,"body":"But we pretty much tell every client"},{"startTime":729.759,"endTime":736.939,"body":"with assets and and employees and I"},{"startTime":736.939,"endTime":742.049,"body":"use the internet, so a hundred percent"},{"startTime":736.939,"endTime":742.049,"body":"to protect yourself with a policy."},{"startTime":742.789,"endTime":745.609,"body":"It just, it's too scary now."},{"startTime":745.609,"endTime":749.179,"body":"And another thing that I learned,"},{"startTime":745.609,"endTime":749.179,"body":"there's attacks now where you"},{"startTime":749.179,"endTime":750.889,"body":"get an attacker that comes in."},{"startTime":751.279,"endTime":755.479,"body":"I know going off ai, but AI is smart"},{"startTime":751.279,"endTime":755.479,"body":"enough to maybe even start some of this."},{"startTime":755.819,"endTime":759.059,"body":"They get in your system for years"},{"startTime":755.819,"endTime":759.059,"body":"and they hang out and chill and"},{"startTime":759.059,"endTime":760.799,"body":"you never know that they're there."},{"startTime":760.799,"endTime":765.659,"body":"There's, I just did a report on"},{"startTime":760.799,"endTime":765.659,"body":"a situation where the attackers"},{"startTime":765.659,"endTime":770.199,"body":"were in a company's data for"},{"startTime":765.659,"endTime":770.199,"body":"over a year with no knowledge."},{"startTime":770.599,"endTime":775.459,"body":"They had no knowledge that this was"},{"startTime":770.599,"endTime":775.459,"body":"happening, I think yes, definitely."},{"startTime":775.459,"endTime":780.859,"body":"The AI policy or policies within"},{"startTime":775.459,"endTime":780.859,"body":"these cyber insurance policies"},{"startTime":780.859,"endTime":782.869,"body":"will probably be its own category."},{"startTime":783.509,"endTime":786.539,"body":"I don't think there's a"},{"startTime":783.509,"endTime":786.539,"body":"lot of data, legal data."},{"startTime":786.539,"endTime":795.419,"body":"I. Yet on the actual cost or threat that"},{"startTime":786.539,"endTime":795.419,"body":"it poses, because right now most of us are"},{"startTime":795.419,"endTime":797.909,"body":"using it to make our presentations pretty."},{"startTime":798.399,"endTime":803.209,"body":"You're not gonna have an actuarial"},{"startTime":798.399,"endTime":803.209,"body":"or somebody that's, trying to define"},{"startTime":803.209,"endTime":805.249,"body":"mortality and things like that."},{"startTime":805.249,"endTime":808.549,"body":"They're not going to use"},{"startTime":805.249,"endTime":808.549,"body":"AI for that information."},{"startTime":808.599,"endTime":812.739,"body":"I don't think we're at a point"},{"startTime":808.599,"endTime":812.739,"body":"where, at least in insurance, where"},{"startTime":812.739,"endTime":818.559,"body":"we have a huge risk because we are"},{"startTime":812.739,"endTime":818.559,"body":"very careful on how we're using ai."},{"startTime":820.809,"endTime":825.489,"body":"Do you think that now that everyone's"},{"startTime":820.809,"endTime":825.489,"body":"working remotely, it's increasing the"},{"startTime":825.489,"endTime":828.064,"body":"risk of this type of vector because"},{"startTime":825.489,"endTime":828.064,"body":"people aren't in the same room?"},{"startTime":829.869,"endTime":834.389,"body":"I do be, and it's actually,"},{"startTime":829.869,"endTime":834.389,"body":"I'm, I met with my CEO last week"},{"startTime":834.389,"endTime":838.749,"body":"and had a conversation with him"},{"startTime":834.389,"endTime":838.749,"body":"about, it's come to my attention"},{"startTime":838.749,"endTime":840.669,"body":"that, a lot of folks are using."},{"startTime":841.024,"endTime":846.144,"body":"AI and their daily work, and I actually"},{"startTime":841.024,"endTime":846.144,"body":"did a poll it was about a thousand people."},{"startTime":846.144,"endTime":850.674,"body":"I didn't get a huge response, but"},{"startTime":846.144,"endTime":850.674,"body":"it looks about 50 50 on those that"},{"startTime":850.674,"endTime":852.354,"body":"use it daily and those that don't."},{"startTime":852.954,"endTime":857.874,"body":"That's one thing companies"},{"startTime":852.954,"endTime":857.874,"body":"have to know, which, who is"},{"startTime":857.874,"endTime":860.304,"body":"using AI in your organization?"},{"startTime":860.364,"endTime":862.194,"body":"What are they using it for?"},{"startTime":862.849,"endTime":864.619,"body":"And what program are they using?"},{"startTime":864.679,"endTime":867.379,"body":"You can't just go out in the world"},{"startTime":864.679,"endTime":867.379,"body":"and do anything and then that"},{"startTime":867.379,"endTime":869.989,"body":"data is available to anybody."},{"startTime":870.409,"endTime":876.949,"body":"So our organization will have, one"},{"startTime":870.409,"endTime":876.949,"body":"software program that is vetted out and"},{"startTime":876.949,"endTime":881.509,"body":"safe and protected, and we will have"},{"startTime":876.949,"endTime":881.509,"body":"training on how you use AI and what's"},{"startTime":881.509,"endTime":883.399,"body":"acceptable and what's not acceptable."},{"startTime":886.309,"endTime":889.279,"body":"And that's one of the"},{"startTime":886.309,"endTime":889.279,"body":"big challenges is that."},{"startTime":889.684,"endTime":893.584,"body":"AI changes so fast, the tools that are"},{"startTime":889.684,"endTime":893.584,"body":"available, the promises that are made."},{"startTime":894.034,"endTime":897.334,"body":"There's a major AI news story"},{"startTime":894.034,"endTime":897.334,"body":"every single day, right?"},{"startTime":897.334,"endTime":900.514,"body":"It's my full time job to keep aware"},{"startTime":897.334,"endTime":900.514,"body":"of everything, and it's like often"},{"startTime":900.514,"endTime":902.044,"body":"I'm just aware of the changes."},{"startTime":902.044,"endTime":904.504,"body":"I haven't had time to read the whole"},{"startTime":902.044,"endTime":904.504,"body":"new white paper, the new article every"},{"startTime":904.504,"endTime":906.724,"body":"day because so many things happen and."},{"startTime":907.864,"endTime":911.254,"body":"That's where I think we're seeing"},{"startTime":907.864,"endTime":911.254,"body":"almost a singularity of things"},{"startTime":911.254,"endTime":913.954,"body":"are happening so fast, it's"},{"startTime":911.254,"endTime":913.954,"body":"mathematically impossible to keep up."},{"startTime":913.954,"endTime":917.764,"body":"I use an AI to tell me about other"},{"startTime":913.954,"endTime":917.764,"body":"AI things, and I think that we're"},{"startTime":917.764,"endTime":922.594,"body":"gonna start seeing ai, people building"},{"startTime":917.764,"endTime":922.594,"body":"AI to protect their infrastructure"},{"startTime":922.594,"endTime":924.004,"body":"and AI to attack infrastructure."},{"startTime":924.004,"endTime":926.714,"body":"And like more and more of"},{"startTime":924.004,"endTime":926.714,"body":"that I think is the future."},{"startTime":926.714,"endTime":929.884,"body":"And I actually think there's gonna"},{"startTime":926.714,"endTime":929.884,"body":"be a larger shift towards in-person."},{"startTime":929.884,"endTime":932.544,"body":"Like one of the way we used to handle"},{"startTime":929.884,"endTime":932.544,"body":"the internet was that you didn't have"},{"startTime":932.544,"endTime":934.014,"body":"access to the internet at your job."},{"startTime":934.614,"endTime":937.914,"body":"There was an intranet, so if you needed"},{"startTime":934.614,"endTime":937.914,"body":"a piece of data, they would download it."},{"startTime":938.544,"endTime":940.854,"body":"They would download a website and"},{"startTime":938.544,"endTime":940.854,"body":"you could view the website, but"},{"startTime":940.854,"endTime":942.564,"body":"you couldn't actually actively."},{"startTime":943.299,"endTime":946.789,"body":"Exit the building through connection"},{"startTime":943.299,"endTime":946.789,"body":"and then, that seems to have disappeared"},{"startTime":946.849,"endTime":950.299,"body":"over the past 25 years or so since"},{"startTime":946.849,"endTime":950.299,"body":"I worked first started working in"},{"startTime":950.299,"endTime":954.949,"body":"it in 1999 and now it's we just"},{"startTime":950.299,"endTime":954.949,"body":"block a few random websites, but you"},{"startTime":954.949,"endTime":956.629,"body":"can go to almost anything, and I."},{"startTime":957.374,"endTime":959.444,"body":"I think the expectation"},{"startTime":957.374,"endTime":959.444,"body":"has changed so much."},{"startTime":959.444,"endTime":961.634,"body":"Like one of the challenges we've"},{"startTime":959.444,"endTime":961.634,"body":"had is just convincing everyone"},{"startTime":961.634,"endTime":965.504,"body":"that we have to put certain security"},{"startTime":961.634,"endTime":965.504,"body":"infrastructure on their work laptops,"},{"startTime":965.504,"endTime":967.904,"body":"and if they're using a personal laptop"},{"startTime":965.504,"endTime":967.904,"body":"for work, we have to put it on there."},{"startTime":968.504,"endTime":969.619,"body":"We have to secure the endpoint."},{"startTime":969.699,"endTime":969.819,"body":"Absolutely."},{"startTime":969.819,"endTime":972.944,"body":"We have to secure your passwords and we"},{"startTime":969.819,"endTime":972.944,"body":"have to, we have a little app on there"},{"startTime":972.944,"endTime":974.684,"body":"that tells us when you're not doing it."},{"startTime":974.684,"endTime":978.614,"body":"So I get a text every hour for anyone"},{"startTime":974.684,"endTime":978.614,"body":"in the entire infrastructure who's"},{"startTime":978.614,"endTime":985.394,"body":"doing that, and then it's really"},{"startTime":978.614,"endTime":985.394,"body":"hard to create a culture of security."},{"startTime":986.179,"endTime":991.549,"body":"Where people realize it's a, so once a"},{"startTime":986.179,"endTime":991.549,"body":"company enters like certain compliance"},{"startTime":991.549,"endTime":994.279,"body":"rules, then there are rules for how you"},{"startTime":991.549,"endTime":994.279,"body":"have to punish people who don't do it."},{"startTime":994.279,"endTime":998.059,"body":"So if you don't update your software for a"},{"startTime":994.279,"endTime":998.059,"body":"certain amount of time, you get a warning,"},{"startTime":998.059,"endTime":999.259,"body":"you do it again, you get another warning."},{"startTime":999.259,"endTime":1002.289,"body":"Third time, the company has to fire"},{"startTime":999.259,"endTime":1002.289,"body":"you to maintain its compliance."},{"startTime":1002.289,"endTime":1004.799,"body":"And that's as we're entering this"},{"startTime":1002.289,"endTime":1004.799,"body":"new phase where we just have to have"},{"startTime":1004.799,"endTime":1008.519,"body":"these really strict rules because"},{"startTime":1004.799,"endTime":1008.519,"body":"there are still people who are falling"},{"startTime":1008.519,"endTime":1012.659,"body":"for old scams, like sending monies"},{"startTime":1008.519,"endTime":1012.659,"body":"to a prince from Africa, or they"},{"startTime":1012.659,"endTime":1014.519,"body":"find a USB stick in the parking lot."},{"startTime":1015.119,"endTime":1018.959,"body":"It's amazing that these things work,"},{"startTime":1015.119,"endTime":1018.959,"body":"even for people are very switched on."},{"startTime":1018.959,"endTime":1020.669,"body":"They can just catch you at the right time."},{"startTime":1021.149,"endTime":1023.574,"body":"So I saw something really"},{"startTime":1021.149,"endTime":1023.574,"body":"interesting happen that."},{"startTime":1024.369,"endTime":1027.879,"body":"LinkedIn has become a really popular"},{"startTime":1024.369,"endTime":1027.879,"body":"vector for attacks, which is that they'll"},{"startTime":1027.879,"endTime":1031.659,"body":"look at what company you work at and"},{"startTime":1027.879,"endTime":1031.659,"body":"start sending you emails that seem like"},{"startTime":1031.659,"endTime":1033.159,"body":"they're from the CEO of that company."},{"startTime":1034.179,"endTime":1036.099,"body":"So I've started getting,"},{"startTime":1036.219,"endTime":1040.509,"body":"and then yeah, trying to initiate"},{"startTime":1036.219,"endTime":1040.509,"body":"some type of conversation or end"},{"startTime":1041.409,"endTime":1042.879,"body":"and it's easy to fall for that."},{"startTime":1044.714,"endTime":1047.234,"body":"Yeah, you think it, you don't notice"},{"startTime":1044.714,"endTime":1047.234,"body":"'cause it says it's from the CEO's"},{"startTime":1047.234,"endTime":1048.824,"body":"name unless you look at the from line."},{"startTime":1048.824,"endTime":1052.484,"body":"And part of it is that like all of"},{"startTime":1048.824,"endTime":1052.484,"body":"these inboxes and email servers,"},{"startTime":1052.484,"endTime":1055.964,"body":"like they claim they have an ai"},{"startTime":1052.484,"endTime":1055.964,"body":"but they're dumber than ever."},{"startTime":1055.964,"endTime":1056.024,"body":"Yeah."},{"startTime":1056.414,"endTime":1057.734,"body":"Like they're letting more stuff through."},{"startTime":1057.794,"endTime":1061.604,"body":"Like it should, if the name of the"},{"startTime":1057.794,"endTime":1061.604,"body":"sender and the from address don't"},{"startTime":1061.604,"endTime":1064.544,"body":"match, the email should not come"},{"startTime":1061.604,"endTime":1064.544,"body":"through or should have a flag on it."},{"startTime":1064.544,"endTime":1066.104,"body":"Like why is that so hard to mark?"},{"startTime":1066.104,"endTime":1069.794,"body":"It's literally, we still"},{"startTime":1066.104,"endTime":1069.794,"body":"don't have security that I"},{"startTime":1069.794,"endTime":1071.354,"body":"thought we'd have 30 years ago."},{"startTime":1071.784,"endTime":1074.934,"body":"And what's interesting is that when"},{"startTime":1071.784,"endTime":1074.934,"body":"I, when you change a position, I,"},{"startTime":1074.934,"endTime":1078.114,"body":"this happened to me, I start getting"},{"startTime":1074.934,"endTime":1078.114,"body":"tons of emails, which are like,"},{"startTime":1078.114,"endTime":1079.614,"body":"congratulations on your new position."},{"startTime":1079.614,"endTime":1081.134,"body":"And it's we're definitely not friends."},{"startTime":1081.164,"endTime":1084.799,"body":"And what I can't tell, actually, I can't"},{"startTime":1081.164,"endTime":1084.799,"body":"tell the difference between if it's"},{"startTime":1084.799,"endTime":1087.929,"body":"just really bad sales or an attack."},{"startTime":1088.409,"endTime":1090.324,"body":"So I can't tell the difference"},{"startTime":1088.409,"endTime":1090.324,"body":"if it I don't wanna be"},{"startTime":1090.324,"endTime":1091.374,"body":"friends with you either way."},{"startTime":1091.379,"endTime":1092.069,"body":"I'm like, I can't."},{"startTime":1092.159,"endTime":1095.879,"body":"So one person actually from a large"},{"startTime":1092.159,"endTime":1095.879,"body":"company, 'cause I saw the email, I"},{"startTime":1095.879,"endTime":1097.139,"body":"didn't click anything, but it was like."},{"startTime":1098.669,"endTime":1100.409,"body":"We're your vendor for this."},{"startTime":1100.799,"endTime":1102.629,"body":"And I was like, you're definitely not."},{"startTime":1102.704,"endTime":1104.894,"body":"So I was, I've been working"},{"startTime":1102.704,"endTime":1104.894,"body":"in this role for three months."},{"startTime":1104.894,"endTime":1106.664,"body":"I don't change my LinkedIn very often."},{"startTime":1106.664,"endTime":1107.864,"body":"I've been working the"},{"startTime":1106.664,"endTime":1107.864,"body":"job for three months."},{"startTime":1107.864,"endTime":1110.114,"body":"I know our entire tech stack, right?"},{"startTime":1110.114,"endTime":1112.184,"body":"I run the dev team, I"},{"startTime":1110.114,"endTime":1112.184,"body":"know all of this stuff."},{"startTime":1112.184,"endTime":1114.884,"body":"And I was like, we de, I was, I've"},{"startTime":1112.184,"endTime":1114.884,"body":"been messaged by lead engineer."},{"startTime":1114.884,"endTime":1116.324,"body":"I was like, have we ever"},{"startTime":1114.884,"endTime":1116.324,"body":"worked with this company?"},{"startTime":1116.324,"endTime":1117.464,"body":"She was like, absolutely not."},{"startTime":1117.944,"endTime":1121.034,"body":"So even large companies"},{"startTime":1117.944,"endTime":1121.034,"body":"are trying to use this."},{"startTime":1121.034,"endTime":1123.704,"body":"I guess it's, I dunno if"},{"startTime":1121.034,"endTime":1123.704,"body":"there's a better word for it,"},{"startTime":1123.704,"endTime":1125.114,"body":"other than deception marketing."},{"startTime":1125.774,"endTime":1126.494,"body":"And it's like."},{"startTime":1127.664,"endTime":1131.834,"body":"I think another thing that"},{"startTime":1127.664,"endTime":1131.834,"body":"we have to be aware of is."},{"startTime":1133.334,"endTime":1137.204,"body":"There's things that we"},{"startTime":1133.334,"endTime":1137.204,"body":"can't assume we know, right?"},{"startTime":1137.204,"endTime":1142.229,"body":"I think and I'm learning that in law"},{"startTime":1137.204,"endTime":1142.229,"body":"school and that's when you become"},{"startTime":1142.229,"endTime":1146.579,"body":"weak and you trust something a lot"},{"startTime":1142.229,"endTime":1146.579,"body":"thinking that, okay, you got this"},{"startTime":1146.579,"endTime":1149.159,"body":"software, we know we're in good hands."},{"startTime":1149.159,"endTime":1150.989,"body":"No, with this, you never know."},{"startTime":1151.469,"endTime":1156.749,"body":"You have to always be alert and like you"},{"startTime":1151.469,"endTime":1156.749,"body":"were saying, you have to continue to."},{"startTime":1157.619,"endTime":1162.479,"body":"Understand the software updates"},{"startTime":1157.619,"endTime":1162.479,"body":"because more than likely, we all are"},{"startTime":1162.479,"endTime":1167.369,"body":"always up for any type of attack these"},{"startTime":1162.479,"endTime":1167.369,"body":"days, and we have to understand that."},{"startTime":1167.369,"endTime":1169.349,"body":"We don't know what we don't know."},{"startTime":1171.749,"endTime":1174.709,"body":"I used to think oh, my"},{"startTime":1171.749,"endTime":1174.709,"body":"website's too small."},{"startTime":1174.709,"endTime":1177.769,"body":"No one would ever attack me, and then I'd"},{"startTime":1174.709,"endTime":1177.769,"body":"put on the software that would alert me."},{"startTime":1178.439,"endTime":1180.479,"body":"Every time there's an attack,"},{"startTime":1178.439,"endTime":1180.479,"body":"I had to turn off the alerts."},{"startTime":1180.479,"endTime":1181.319,"body":"It was too frequent."},{"startTime":1181.379,"endTime":1184.889,"body":"It's every three minutes an"},{"startTime":1181.379,"endTime":1184.889,"body":"attack would come in and it's."},{"startTime":1186.029,"endTime":1189.829,"body":"There's just these massive tools that"},{"startTime":1186.029,"endTime":1189.829,"body":"just anytime a new website comes up, they"},{"startTime":1189.829,"endTime":1191.089,"body":"know those have the weakest security."},{"startTime":1191.089,"endTime":1193.999,"body":"That's the best time to slide something in"},{"startTime":1191.089,"endTime":1193.999,"body":"before someone's got everything installed"},{"startTime":1194.719,"endTime":1195.079,"body":"right while you're"},{"startTime":1195.079,"endTime":1195.799,"body":"setting it all up."},{"startTime":1195.799,"endTime":1199.069,"body":"And that's the best time to get in"},{"startTime":1195.799,"endTime":1199.069,"body":"before they know what's going on."},{"startTime":1199.069,"endTime":1204.439,"body":"And I I'm very security conscious and very"},{"startTime":1199.069,"endTime":1204.439,"body":"paranoid, but it doesn't matter because"},{"startTime":1204.439,"endTime":1209.539,"body":"all you need is one unlucky moment or"},{"startTime":1204.439,"endTime":1209.539,"body":"something weird and I've had like credit"},{"startTime":1209.539,"endTime":1211.429,"body":"card numbers stolen multiple times."},{"startTime":1212.149,"endTime":1212.719,"body":"It just interesting."},{"startTime":1212.719,"endTime":1216.369,"body":"And it's I, but every time there's"},{"startTime":1212.719,"endTime":1216.369,"body":"a transaction I get a text for"},{"startTime":1216.369,"endTime":1217.509,"body":"any of my cards or anything."},{"startTime":1217.509,"endTime":1220.269,"body":"And so as soon as something weird happens,"},{"startTime":1217.509,"endTime":1220.269,"body":"I'm like, that's definitely not me."},{"startTime":1220.789,"endTime":1220.999,"body":"And"},{"startTime":1220.999,"endTime":1224.65,"body":"that's and so we're seeing more and more"},{"startTime":1220.999,"endTime":1224.65,"body":"changes in the marketing to adapt to this."},{"startTime":1224.655,"endTime":1228.849,"body":"And I just wonder if it's ever gonna."},{"startTime":1229.584,"endTime":1230.064,"body":"Get easier."},{"startTime":1230.064,"endTime":1232.494,"body":"I almost feel like we're shifting"},{"startTime":1230.064,"endTime":1232.494,"body":"back to an in-person meeting."},{"startTime":1232.494,"endTime":1234.474,"body":"Like the only thing you trust is"},{"startTime":1232.494,"endTime":1234.474,"body":"if you meet someone in person,"},{"startTime":1234.474,"endTime":1235.314,"body":"you can look 'em in the eye."},{"startTime":1235.864,"endTime":1238.024,"body":"'cause the only way you know"},{"startTime":1235.864,"endTime":1238.024,"body":"you're talking to an actual person."},{"startTime":1238.504,"endTime":1238.984,"body":"True."},{"startTime":1238.984,"endTime":1243.304,"body":"Actually because there's been meetings"},{"startTime":1238.984,"endTime":1243.304,"body":"just like this that I'm not who I"},{"startTime":1243.304,"endTime":1246.664,"body":"am and I've heard it's crazy things."},{"startTime":1246.994,"endTime":1252.724,"body":"And as a risk manager, I think the best"},{"startTime":1246.994,"endTime":1252.724,"body":"that we can do, Americans need to ensure."},{"startTime":1253.414,"endTime":1257.674,"body":"If they have a business that they have"},{"startTime":1253.414,"endTime":1257.674,"body":"the cybersecurity coverage, everybody"},{"startTime":1257.674,"endTime":1259.564,"body":"needs identity theft protection."},{"startTime":1259.924,"endTime":1261.574,"body":"I've had it for 20 years."},{"startTime":1261.574,"endTime":1262.474,"body":"I have a million dollars."},{"startTime":1263.114,"endTime":1268.394,"body":"You need to have those things to protect"},{"startTime":1263.114,"endTime":1268.394,"body":"you and it makes me feel better that"},{"startTime":1268.394,"endTime":1273.254,"body":"my identity can be stolen and I could"},{"startTime":1268.394,"endTime":1273.254,"body":"file a claim for a million dollars."},{"startTime":1273.614,"endTime":1277.034,"body":"So I think and credit monitoring,"},{"startTime":1273.614,"endTime":1277.034,"body":"I think those three things."},{"startTime":1277.304,"endTime":1281.324,"body":"Credit monitoring, id, theft or"},{"startTime":1277.304,"endTime":1281.324,"body":"protection, identity protection"},{"startTime":1281.504,"endTime":1283.334,"body":"and cybersecurity policies."},{"startTime":1283.694,"endTime":1288.014,"body":"And then you're backing yourself up with"},{"startTime":1283.694,"endTime":1288.014,"body":"the, as much as you can with that risk."},{"startTime":1288.569,"endTime":1290.309,"body":"To me that makes sense."},{"startTime":1290.309,"endTime":1295.339,"body":"And it's not very expensive, to me it's"},{"startTime":1290.309,"endTime":1295.339,"body":"worth it just because of the unknowns."},{"startTime":1296.719,"endTime":1297.109,"body":"So"},{"startTime":1297.769,"endTime":1298.279,"body":"I wanna"},{"startTime":1299.239,"endTime":1300.199,"body":"ask about something else."},{"startTime":1300.199,"endTime":1301.669,"body":"You brought something cool to my mind."},{"startTime":1301.669,"endTime":1307.159,"body":"I see a lot of commercials now for"},{"startTime":1301.669,"endTime":1307.159,"body":"these services where you can pay data"},{"startTime":1307.159,"endTime":1308.899,"body":"brokers to stop selling your data."},{"startTime":1309.499,"endTime":1312.049,"body":"And I'm, I don't believe it's true."},{"startTime":1313.159,"endTime":1315.969,"body":"Because it's if someone's already"},{"startTime":1313.159,"endTime":1315.969,"body":"stolen your data, you go, I feel like"},{"startTime":1316.089,"endTime":1318.789,"body":"who's actually, this is my feeling,"},{"startTime":1316.089,"endTime":1318.789,"body":"and I'm not gonna name any specific"},{"startTime":1318.789,"endTime":1321.579,"body":"copies, but I feel like it's like"},{"startTime":1318.789,"endTime":1321.579,"body":"they go, we stole your data, but if"},{"startTime":1321.579,"endTime":1323.229,"body":"you pay us, we'll stop selling it."},{"startTime":1323.229,"endTime":1324.969,"body":"It's like you've already"},{"startTime":1323.229,"endTime":1324.969,"body":"sold it a thousand times."},{"startTime":1325.719,"endTime":1326.649,"body":"It's like it's out."},{"startTime":1326.654,"endTime":1329.344,"body":"You have to, Visa's had a breach."},{"startTime":1329.614,"endTime":1331.294,"body":"Wells Fargo's had a breach."},{"startTime":1331.294,"endTime":1335.704,"body":"Bank of America's had a, my, my"},{"startTime":1331.294,"endTime":1335.704,"body":"identity's probably been stolen six times."},{"startTime":1336.154,"endTime":1340.594,"body":"And again, the only way"},{"startTime":1336.154,"endTime":1340.594,"body":"that, and I have had things."},{"startTime":1340.939,"endTime":1345.889,"body":"I personally, I had somebody without a"},{"startTime":1340.939,"endTime":1345.889,"body":"social try to get an apartment in Oregon."},{"startTime":1346.129,"endTime":1350.629,"body":"I've never been to Oregon, so I had"},{"startTime":1346.129,"endTime":1350.629,"body":"to fight that, but I had the insurance"},{"startTime":1350.629,"endTime":1355.549,"body":"coverage to fight that for me,"},{"startTime":1350.629,"endTime":1355.549,"body":"where it wasn't a big deal, but it,"},{"startTime":1356.089,"endTime":1359.539,"body":"stealing your data isn't hard anymore."},{"startTime":1360.109,"endTime":1363.529,"body":"You just have to make sure"},{"startTime":1360.109,"endTime":1363.529,"body":"that risk is protected as best"},{"startTime":1363.529,"endTime":1365.899,"body":"as possible, in my opinion."},{"startTime":1368.239,"endTime":1373.279,"body":"I think that, one of the"},{"startTime":1368.239,"endTime":1373.279,"body":"challenges is that the vector"},{"startTime":1373.279,"endTime":1375.199,"body":"is always what you don't expect."},{"startTime":1375.199,"endTime":1378.169,"body":"Like the 10 biggest losses in Vegas"},{"startTime":1375.199,"endTime":1378.169,"body":"were the things they didn't expect."},{"startTime":1378.344,"endTime":1381.544,"body":"Like they used to have insurance in case"},{"startTime":1378.344,"endTime":1381.544,"body":"the tiger would go into the audience,"},{"startTime":1381.544,"endTime":1383.944,"body":"but they didn't have insurance on"},{"startTime":1381.544,"endTime":1383.944,"body":"the tiger attacking the performer."},{"startTime":1384.584,"endTime":1385.184,"body":"And that cost."},{"startTime":1386.039,"endTime":1389.639,"body":"Because you, it's the thing you"},{"startTime":1386.039,"endTime":1389.639,"body":"don't think of that always gets"},{"startTime":1389.639,"endTime":1394.289,"body":"it, and we're seeing now is"},{"startTime":1389.639,"endTime":1394.289,"body":"these different types of attacks."},{"startTime":1394.339,"endTime":1397.969,"body":"My parents have had different, I"},{"startTime":1394.339,"endTime":1397.969,"body":"actually, my mom sent me money for"},{"startTime":1397.999,"endTime":1399.169,"body":"one of my kids' birthdays recently."},{"startTime":1399.169,"endTime":1402.349,"body":"My sister called me 10 minutes later and"},{"startTime":1399.169,"endTime":1402.349,"body":"was like, did you, did mom send you money?"},{"startTime":1402.349,"endTime":1403.084,"body":"Or did she just get tricked?"},{"startTime":1404.124,"endTime":1406.944,"body":"And I was like, oh, that"},{"startTime":1404.124,"endTime":1406.944,"body":"makes a lot of sense actually."},{"startTime":1406.944,"endTime":1408.264,"body":"I was like, no, it actually was us."},{"startTime":1408.444,"endTime":1410.544,"body":"But it was a really good"},{"startTime":1408.444,"endTime":1410.544,"body":"question as I thought about it."},{"startTime":1410.964,"endTime":1415.154,"body":"Yeah, because it's very common for people"},{"startTime":1410.964,"endTime":1415.154,"body":"to pretend to be you and all these things."},{"startTime":1415.154,"endTime":1417.674,"body":"And I was doing a video call with"},{"startTime":1415.154,"endTime":1417.674,"body":"my sister so she would know it's me,"},{"startTime":1417.674,"endTime":1421.574,"body":"but it's I, when she messaged me,"},{"startTime":1417.674,"endTime":1421.574,"body":"I was like, yeah, I'm not offended."},{"startTime":1421.574,"endTime":1424.184,"body":"It actually totally makes sense 'cause"},{"startTime":1421.574,"endTime":1424.184,"body":"it's probably exactly what people pretend"},{"startTime":1424.184,"endTime":1428.534,"body":"to do and she gets alerts whenever any"},{"startTime":1424.184,"endTime":1428.534,"body":"of my parents, when my parents, any"},{"startTime":1428.534,"endTime":1430.214,"body":"money goes out so that nothing happens."},{"startTime":1430.214,"endTime":1431.624,"body":"You have to get to that point where."},{"startTime":1432.364,"endTime":1435.694,"body":"There's so many different ways of"},{"startTime":1432.364,"endTime":1435.694,"body":"tricking people and misleading people"},{"startTime":1435.694,"endTime":1440.344,"body":"or men in the middle attacks that"},{"startTime":1435.694,"endTime":1440.344,"body":"like, and I, something that I find"},{"startTime":1440.344,"endTime":1445.804,"body":"interesting is a lot of companies"},{"startTime":1440.344,"endTime":1445.804,"body":"still use non-secure security metrics."},{"startTime":1446.254,"endTime":1448.594,"body":"One of the things I find interesting"},{"startTime":1446.254,"endTime":1448.594,"body":"is that a lot of companies are"},{"startTime":1448.594,"endTime":1452.134,"body":"like, they do the text message,"},{"startTime":1448.594,"endTime":1452.134,"body":"we'll text message you the code."},{"startTime":1452.134,"endTime":1454.104,"body":"I'm like, that's been"},{"startTime":1452.134,"endTime":1454.104,"body":"non-secure for 12 years."},{"startTime":1454.104,"endTime":1454.974,"body":"That hasn't, right."},{"startTime":1455.004,"endTime":1455.364,"body":"That's that."},{"startTime":1455.914,"endTime":1456.034,"body":"That's."},{"startTime":1456.669,"endTime":1458.949,"body":"Everyone knows how to do that, and"},{"startTime":1456.669,"endTime":1458.949,"body":"it's like they're still doing it."},{"startTime":1459.459,"endTime":1462.819,"body":"And like I always have to set up these"},{"startTime":1459.459,"endTime":1462.819,"body":"policies where I work with where I'm"},{"startTime":1462.819,"endTime":1465.249,"body":"like it that it has to be a device."},{"startTime":1465.249,"endTime":1466.389,"body":"It has to be a two of a thing."},{"startTime":1466.389,"endTime":1469.209,"body":"It has to be the scan, the"},{"startTime":1466.389,"endTime":1469.209,"body":"QR code, because the text"},{"startTime":1469.209,"endTime":1471.189,"body":"message one is not that secure."},{"startTime":1471.789,"endTime":1472.509,"body":"No, you're right."},{"startTime":1472.509,"endTime":1472.599,"body":"And."},{"startTime":1474.264,"endTime":1475.194,"body":"It's really scary."},{"startTime":1475.194,"endTime":1478.674,"body":"That's why with insurance,"},{"startTime":1475.194,"endTime":1478.674,"body":"I joke around with my team."},{"startTime":1478.674,"endTime":1483.534,"body":"The hardest part of my job is chasing my"},{"startTime":1478.674,"endTime":1483.534,"body":"passwords and authenticators because to"},{"startTime":1483.534,"endTime":1488.404,"body":"get into, I've got, say a hundred websites"},{"startTime":1483.534,"endTime":1488.404,"body":"I work on for carriers and different"},{"startTime":1488.404,"endTime":1490.404,"body":"things and we use everything secure."},{"startTime":1490.404,"endTime":1494.514,"body":"So I have to go through three different"},{"startTime":1490.404,"endTime":1494.514,"body":"processes to get into the website."},{"startTime":1495.039,"endTime":1496.719,"body":"It's worth it for my clients."},{"startTime":1496.799,"endTime":1500.149,"body":"I think the more that you can"},{"startTime":1496.799,"endTime":1500.149,"body":"do to protect your data, the"},{"startTime":1500.149,"endTime":1504.469,"body":"healthier your organization"},{"startTime":1500.149,"endTime":1504.469,"body":"will be as far as cybersecurity."},{"startTime":1506.359,"endTime":1509.569,"body":"So there's this story from high school."},{"startTime":1510.389,"endTime":1513.659,"body":"One of my friends is in a band and"},{"startTime":1510.389,"endTime":1513.659,"body":"he goes to the store, he needs to"},{"startTime":1513.659,"endTime":1515.599,"body":"buy drums, and they go he's got $800."},{"startTime":1515.599,"endTime":1519.109,"body":"And they go, you can buy a set of"},{"startTime":1515.599,"endTime":1519.109,"body":"$500 drums with cases or a better"},{"startTime":1519.109,"endTime":1520.909,"body":"set of drums for 800 with no cases."},{"startTime":1521.629,"endTime":1525.399,"body":"And it's better get the cheaper"},{"startTime":1521.629,"endTime":1525.399,"body":"drums because Yeah, like"},{"startTime":1525.549,"endTime":1526.899,"body":"they're gonna get trashed."},{"startTime":1526.899,"endTime":1531.009,"body":"And I can't remember which one he bought,"},{"startTime":1526.899,"endTime":1531.009,"body":"but I'm, that's like the important lesson."},{"startTime":1531.009,"endTime":1532.449,"body":"It's that we often think."},{"startTime":1533.559,"endTime":1538.269,"body":"It'll never happen to me or I'm"},{"startTime":1533.559,"endTime":1538.269,"body":"too small or all of these things."},{"startTime":1538.269,"endTime":1542.349,"body":"But it's actually, most of the attacks"},{"startTime":1538.269,"endTime":1542.349,"body":"are really like mass attacks and they just"},{"startTime":1542.349,"endTime":1545.319,"body":"hit every small website, as many as they"},{"startTime":1542.349,"endTime":1545.319,"body":"can, and they're just looking for volume."},{"startTime":1545.319,"endTime":1546.729,"body":"'cause you only need one"},{"startTime":1545.319,"endTime":1546.729,"body":"person to fall for it."},{"startTime":1546.779,"endTime":1550.009,"body":"I used to know someone who was"},{"startTime":1546.779,"endTime":1550.009,"body":"like a spam email or for a living."},{"startTime":1550.759,"endTime":1550.969,"body":"Wow."},{"startTime":1550.974,"endTime":1556.249,"body":"And he would just, and he would just"},{"startTime":1550.974,"endTime":1556.249,"body":"send people like the dumbest emails,"},{"startTime":1556.249,"endTime":1558.759,"body":"for a something you spray in your"},{"startTime":1556.249,"endTime":1558.759,"body":"throat and then you lose weight."},{"startTime":1558.759,"endTime":1560.679,"body":"And I was like, oh my gosh,"},{"startTime":1558.759,"endTime":1560.679,"body":"who would ever click on that?"},{"startTime":1560.684,"endTime":1562.589,"body":"And he is enough people do, right?"},{"startTime":1562.589,"endTime":1568.319,"body":"So it's like that's the problem"},{"startTime":1562.589,"endTime":1568.319,"body":"is that enough people do that."},{"startTime":1568.319,"endTime":1569.729,"body":"It's worth it at the volume level."},{"startTime":1569.729,"endTime":1572.759,"body":"If you email enough people pretending"},{"startTime":1569.729,"endTime":1572.759,"body":"to be their CEO, 'cause all the data"},{"startTime":1572.759,"endTime":1574.349,"body":"on LinkedIn is very easy to withdraw."},{"startTime":1574.859,"endTime":1575.129,"body":"Yes."},{"startTime":1575.129,"endTime":1576.629,"body":"It's very easy to download it all."},{"startTime":1577.229,"endTime":1582.389,"body":"And I saw, so when I changed my"},{"startTime":1577.229,"endTime":1582.389,"body":"position, it said, do you want to post?"},{"startTime":1582.389,"endTime":1583.199,"body":"I was like, no."},{"startTime":1584.669,"endTime":1586.004,"body":"Yeah, definitely not."},{"startTime":1586.034,"endTime":1588.944,"body":"I don't want a bunch of those"},{"startTime":1586.034,"endTime":1588.944,"body":"trite messages and I just"},{"startTime":1588.944,"endTime":1589.814,"body":"don't want that on my feed."},{"startTime":1589.894,"endTime":1592.864,"body":"It's not that big a deal, especially"},{"startTime":1589.894,"endTime":1592.864,"body":"because I waited a really long"},{"startTime":1592.864,"endTime":1596.944,"body":"time and still I started getting"},{"startTime":1592.864,"endTime":1596.944,"body":"messages within minutes, all"},{"startTime":1596.944,"endTime":1598.114,"body":"email, not even through LinkedIn."},{"startTime":1598.144,"endTime":1600.094,"body":"All these people have automated systems."},{"startTime":1600.424,"endTime":1600.574,"body":"Yeah."},{"startTime":1600.664,"endTime":1604.404,"body":"To anytime someone changes a job position"},{"startTime":1600.664,"endTime":1604.404,"body":"and it's if you don't know what's coming,"},{"startTime":1604.404,"endTime":1607.284,"body":"like I have this saying that if someone"},{"startTime":1604.404,"endTime":1607.284,"body":"sends me a social media message on my"},{"startTime":1607.284,"endTime":1608.604,"body":"birthday, I know we're not friends."},{"startTime":1609.354,"endTime":1611.784,"body":"So it's like last birthday,"},{"startTime":1609.354,"endTime":1611.784,"body":"I deleted all these LinkedIn."},{"startTime":1611.874,"endTime":1613.914,"body":"Everyone who gave me a birthday"},{"startTime":1611.874,"endTime":1613.914,"body":"message I unconnected on."},{"startTime":1615.504,"endTime":1617.454,"body":"Because you know who didn't"},{"startTime":1615.504,"endTime":1617.454,"body":"give me a LinkedIn message?"},{"startTime":1617.484,"endTime":1621.714,"body":"My kids, my wife, my sister,"},{"startTime":1617.484,"endTime":1621.714,"body":"my sisters, my parents."},{"startTime":1621.714,"endTime":1621.924,"body":"That matter."},{"startTime":1623.064,"endTime":1623.214,"body":"Yeah."},{"startTime":1623.214,"endTime":1624.594,"body":"The people that know you in person."},{"startTime":1624.594,"endTime":1627.804,"body":"Like it would be super weird if"},{"startTime":1624.594,"endTime":1627.804,"body":"you came my birthday party and"},{"startTime":1627.804,"endTime":1628.884,"body":"I was like, where's my present?"},{"startTime":1628.884,"endTime":1630.084,"body":"They're like, check your LinkedIn wall."},{"startTime":1630.624,"endTime":1631.014,"body":"Yeah."},{"startTime":1631.014,"endTime":1631.284,"body":"Oh, what?"},{"startTime":1633.129,"endTime":1634.299,"body":"That's so true."},{"startTime":1635.664,"endTime":1636.426,"body":"I think we and I think"},{"startTime":1636.899,"endTime":1639.479,"body":"We work fast too nowadays."},{"startTime":1639.489,"endTime":1644.829,"body":"I know in our industry we're doing"},{"startTime":1639.489,"endTime":1644.829,"body":"15, 20 things at a time, and I think"},{"startTime":1644.829,"endTime":1646.779,"body":"sometimes that will hurt you too."},{"startTime":1646.779,"endTime":1653.639,"body":"We have to slow down sometimes and, the AI"},{"startTime":1646.779,"endTime":1653.639,"body":"is making it, it's making us look smarter."},{"startTime":1654.674,"endTime":1658.724,"body":"We're also working even faster,"},{"startTime":1654.674,"endTime":1658.724,"body":"so there's going to be more"},{"startTime":1658.724,"endTime":1661.404,"body":"mistakes, so it's a really."},{"startTime":1662.679,"endTime":1667.599,"body":"It's a, I think it's a hard area"},{"startTime":1662.679,"endTime":1667.599,"body":"to manage with a big organization."},{"startTime":1667.769,"endTime":1673.179,"body":"But you have to, and that's, we're"},{"startTime":1667.769,"endTime":1673.179,"body":"taking steps to ensure that everybody"},{"startTime":1673.239,"endTime":1675.129,"body":"is doing the same thing with ai."},{"startTime":1675.729,"endTime":1681.429,"body":"And I know that's hard to, to manage"},{"startTime":1675.729,"endTime":1681.429,"body":"thoroughly, but that's our goal for sure."},{"startTime":1682.629,"endTime":1682.839,"body":"Yeah."},{"startTime":1682.839,"endTime":1687.249,"body":"It's really hard to get everyone"},{"startTime":1682.839,"endTime":1687.249,"body":"on the same page because."},{"startTime":1688.554,"endTime":1692.334,"body":"Once they get used, once people develop"},{"startTime":1688.554,"endTime":1692.334,"body":"a habit, they're a chat GPT person."},{"startTime":1692.334,"endTime":1695.664,"body":"Switching 'em to a different"},{"startTime":1692.334,"endTime":1695.664,"body":"platform is really hard."},{"startTime":1695.724,"endTime":1698.424,"body":"Or it's just saying you"},{"startTime":1695.724,"endTime":1698.424,"body":"can't use that at work."},{"startTime":1698.424,"endTime":1704.094,"body":"So like with my new job project now,"},{"startTime":1698.424,"endTime":1704.094,"body":"I have a work laptop that I only use"},{"startTime":1704.094,"endTime":1705.984,"body":"for work and it's not convenient."},{"startTime":1706.274,"endTime":1709.274,"body":"It's not super convenient to just do"},{"startTime":1706.274,"endTime":1709.274,"body":"that, but I'm like, if I don't do it."},{"startTime":1711.119,"endTime":1711.959,"body":"Nobody else will."},{"startTime":1711.959,"endTime":1713.609,"body":"You have to set the example."},{"startTime":1713.999,"endTime":1718.349,"body":"There was this famous story of a big video"},{"startTime":1713.999,"endTime":1718.349,"body":"game company that got hacked for millions."},{"startTime":1718.349,"endTime":1721.619,"body":"They were deleting players'"},{"startTime":1718.349,"endTime":1721.619,"body":"accounts, all these for seven years."},{"startTime":1721.619,"endTime":1722.549,"body":"They couldn't figure it out."},{"startTime":1722.549,"endTime":1724.289,"body":"They mean every single user ever."},{"startTime":1724.289,"endTime":1728.129,"body":"The company changed their password"},{"startTime":1724.289,"endTime":1728.129,"body":"and one person didn't and it was the"},{"startTime":1728.129,"endTime":1729.599,"body":"CTO and that's who they'd hacked."},{"startTime":1730.049,"endTime":1733.249,"body":"And it's it's, I was like, don't"},{"startTime":1730.049,"endTime":1733.249,"body":"let that, I don't want, I don't"},{"startTime":1733.249,"endTime":1735.979,"body":"wanna be one of those stories."},{"startTime":1736.229,"endTime":1739.199,"body":"Like I don't wanna be the lawyer"},{"startTime":1736.229,"endTime":1739.199,"body":"who submitted the brief that was all"},{"startTime":1739.199,"endTime":1744.059,"body":"written by ai, or the one person who"},{"startTime":1739.199,"endTime":1744.059,"body":"goes my password would never get, and"},{"startTime":1744.269,"endTime":1748.529,"body":"it's so I don't have anything that's"},{"startTime":1744.269,"endTime":1748.529,"body":"not a work app on that computer."},{"startTime":1748.559,"endTime":1750.569,"body":"And just like being that secure."},{"startTime":1750.569,"endTime":1753.839,"body":"And because you have to, it's"},{"startTime":1750.569,"endTime":1753.839,"body":"the only way you can set the don."},{"startTime":1753.839,"endTime":1756.839,"body":"And that's one of the big problems I see"},{"startTime":1753.839,"endTime":1756.839,"body":"is a lot of CEOs and C-suites go, whoa."},{"startTime":1757.259,"endTime":1759.509,"body":"Everyone else has to be"},{"startTime":1757.259,"endTime":1759.509,"body":"secure, but our stuff is fine."},{"startTime":1760.119,"endTime":1761.529,"body":"Or I don't really know"},{"startTime":1760.119,"endTime":1761.529,"body":"how to use my computer."},{"startTime":1761.529,"endTime":1764.109,"body":"Like I've definitely known CEOs"},{"startTime":1761.529,"endTime":1764.109,"body":"who the computer is more of a"},{"startTime":1764.109,"endTime":1765.699,"body":"decoration, like it's not plugged in."},{"startTime":1766.569,"endTime":1768.009,"body":"And I guess if it's not"},{"startTime":1766.569,"endTime":1768.009,"body":"plugged in, that's okay."},{"startTime":1768.009,"endTime":1769.719,"body":"If it's not plugged in,"},{"startTime":1768.009,"endTime":1769.719,"body":"I guess they're okay."},{"startTime":1769.719,"endTime":1770.624,"body":"But it's that, yeah."},{"startTime":1770.964,"endTime":1773.814,"body":"It's a centerpiece"},{"startTime":1770.964,"endTime":1773.814,"body":"everyone for some, yeah."},{"startTime":1773.814,"endTime":1778.049,"body":"And you don't, and the thing is that now"},{"startTime":1773.814,"endTime":1778.049,"body":"that I have to get an alert every time"},{"startTime":1778.049,"endTime":1781.499,"body":"someone has a nun, an unup updated app"},{"startTime":1778.049,"endTime":1781.499,"body":"on one of their computers, I just notice"},{"startTime":1781.499,"endTime":1784.709,"body":"how fast updates come out and how many"},{"startTime":1781.499,"endTime":1784.709,"body":"security breaches are constantly getting"},{"startTime":1784.709,"endTime":1789.389,"body":"found and all of these things, and it's"},{"startTime":1784.709,"endTime":1789.389,"body":"really very hard to keep up with it."},{"startTime":1789.389,"endTime":1793.229,"body":"So I think it's very interesting to see"},{"startTime":1789.389,"endTime":1793.229,"body":"how the insurance world is changing."},{"startTime":1793.229,"endTime":1796.139,"body":"I think it's important for a lot"},{"startTime":1793.229,"endTime":1796.139,"body":"of people to start realizing that"},{"startTime":1797.039,"endTime":1798.329,"body":"it's not the size of your company."},{"startTime":1798.329,"endTime":1798.839,"body":"There's a lot of."},{"startTime":1799.274,"endTime":1800.654,"body":"Misunderstandings as well."},{"startTime":1800.654,"endTime":1805.304,"body":"It's just like that these different types"},{"startTime":1800.654,"endTime":1805.304,"body":"of insurance are massively expensive, but"},{"startTime":1805.904,"endTime":1810.404,"body":"because it's, because the type of attack"},{"startTime":1805.904,"endTime":1810.404,"body":"is the mass attack where they just hit"},{"startTime":1810.404,"endTime":1811.934,"body":"a bunch of people and get a random hit."},{"startTime":1812.354,"endTime":1815.654,"body":"It actually, that means that the"},{"startTime":1812.354,"endTime":1815.654,"body":"odds of you getting hit are very low."},{"startTime":1815.654,"endTime":1818.444,"body":"So the cost of the premiums are very"},{"startTime":1815.654,"endTime":1818.444,"body":"low because it's a statistics thing."},{"startTime":1818.494,"endTime":1820.474,"body":"It's a lot of spreadsheets in"},{"startTime":1818.494,"endTime":1820.474,"body":"math, but that means that it"},{"startTime":1820.474,"endTime":1822.304,"body":"doesn't have to be expensive, but."},{"startTime":1822.724,"endTime":1826.584,"body":"If you, it's you're spinning the Wheel of"},{"startTime":1822.724,"endTime":1826.584,"body":"Fortune and it's like if you hit bankrupt,"},{"startTime":1826.674,"endTime":1831.354,"body":"like you probably won't, but if you do,"},{"startTime":1826.674,"endTime":1831.354,"body":"so it's a very interesting ship to change."},{"startTime":1831.354,"endTime":1832.764,"body":"So I think this is very"},{"startTime":1831.354,"endTime":1832.764,"body":"valuable for people."},{"startTime":1832.764,"endTime":1836.364,"body":"I think that starting to understand"},{"startTime":1832.764,"endTime":1836.364,"body":"what's important and to see how"},{"startTime":1836.364,"endTime":1840.174,"body":"there's an intersection between AI"},{"startTime":1836.364,"endTime":1840.174,"body":"and insurance, and how insurance"},{"startTime":1840.174,"endTime":1841.314,"body":"people are being very cautious."},{"startTime":1841.314,"endTime":1843.774,"body":"It's very interesting for people"},{"startTime":1841.314,"endTime":1843.774,"body":"who wanna know more about what you"},{"startTime":1843.774,"endTime":1846.864,"body":"do and connect with you online and"},{"startTime":1843.774,"endTime":1846.864,"body":"maybe even buy a little insurance,"},{"startTime":1846.864,"endTime":1848.904,"body":"where's the best place to connect with"},{"startTime":1846.864,"endTime":1848.904,"body":"you and find out what you're doing?"},{"startTime":1849.884,"endTime":1853.544,"body":"We can go to our website,"},{"startTime":1849.884,"endTime":1853.544,"body":"which is hotchkiss.com."},{"startTime":1854.234,"endTime":1860.144,"body":"Personally, my email's on there too, Amber"},{"startTime":1854.234,"endTime":1860.144,"body":"Moss, but we have over 200 employees."},{"startTime":1860.144,"endTime":1862.244,"body":"We've got very strong risk managers."},{"startTime":1862.244,"endTime":1864.254,"body":"The company's been around over 50 years."},{"startTime":1864.254,"endTime":1869.414,"body":"We can help you with any questions you"},{"startTime":1864.254,"endTime":1869.414,"body":"may have relating to cybersecurity."},{"startTime":1869.834,"endTime":1872.074,"body":"Really any insurance, we do it all."},{"startTime":1872.074,"endTime":1875.744,"body":"So we're risk managers but we're"},{"startTime":1872.074,"endTime":1875.744,"body":"happy to have the discussion and"},{"startTime":1875.744,"endTime":1880.114,"body":"help you to become more secure in"},{"startTime":1875.744,"endTime":1880.114,"body":"your business and protect what you've"},{"startTime":1880.114,"endTime":1882.004,"body":"worked your life for most of us."},{"startTime":1882.314,"endTime":1886.874,"body":"Because it only takes one big attack that"},{"startTime":1882.314,"endTime":1886.874,"body":"could bring down your entire organization,"},{"startTime":1886.874,"endTime":1889.004,"body":"which is a really sad thought."},{"startTime":1891.254,"endTime":1891.599,"body":"It sure is."},{"startTime":1892.649,"endTime":1893.039,"body":"Yeah."},{"startTime":1893.069,"endTime":1894.149,"body":"Thanks for us on a sad note."},{"startTime":1894.239,"endTime":1895.594,"body":"Thank you again."},{"startTime":1895.594,"endTime":1895.595,"body":"Sorry."},{"startTime":1895.645,"endTime":1898.655,"body":"It's it's something that we"},{"startTime":1895.645,"endTime":1898.655,"body":"see, but we're here to help."},{"startTime":1898.655,"endTime":1899.555,"body":"That's the good news."},{"startTime":1899.555,"endTime":1904.805,"body":"There are ways to protect yourself"},{"startTime":1899.555,"endTime":1904.805,"body":"and just be alert, be aware and"},{"startTime":1905.525,"endTime":1907.535,"body":"cover your wrists as best as you can."},{"startTime":1907.535,"endTime":1909.875,"body":"That's all we can do is, cover the risk."},{"startTime":1912.455,"endTime":1913.265,"body":"You're absolutely right."},{"startTime":1913.265,"endTime":1914.645,"body":"Thank you so much for being here."},{"startTime":1915.365,"endTime":1916.505,"body":"For today's amazing episode,"},{"startTime":1916.505,"endTime":1917.465,"body":"man, it was fun."},{"startTime":1917.465,"endTime":1918.275,"body":"I had fun."},{"startTime":1919.265,"endTime":1920.225,"body":"Bye everyone."},{"startTime":1920.645,"endTime":1921.455,"body":"Bye."},{"startTime":1923.561,"endTime":1925.631,"body":"Thank you for listening to"},{"startTime":1923.561,"endTime":1925.631,"body":"this week's episode of the"},{"startTime":1925.631,"endTime":1927.311,"body":"Artificial Intelligence Podcast."},{"startTime":1927.311,"endTime":1930.311,"body":"Make sure to subscribe so you"},{"startTime":1927.311,"endTime":1930.311,"body":"never miss another episode."},{"startTime":1930.341,"endTime":1933.251,"body":"We'll be back next Monday with"},{"startTime":1930.341,"endTime":1933.251,"body":"more tips and strategies on how to"},{"startTime":1933.251,"endTime":1936.281,"body":"leverage AI to grow your business"},{"startTime":1933.251,"endTime":1936.281,"body":"and achieve better results."},{"startTime":1936.371,"endTime":1939.971,"body":"In the meantime, if you're curious"},{"startTime":1936.371,"endTime":1939.971,"body":"about how AI can boost your business'"},{"startTime":1939.971,"endTime":1944.531,"body":"revenue, head over to artificial"},{"startTime":1939.971,"endTime":1944.531,"body":"intelligence pod.com/calculator."},{"startTime":1944.531,"endTime":1947.831,"body":"Use our AI revenue calculator"},{"startTime":1944.531,"endTime":1947.831,"body":"to discover the potential impact"},{"startTime":1947.831,"endTime":1949.871,"body":"AI can have on your bottom line."},{"startTime":1949.871,"endTime":1952.601,"body":"It's quick, easy, and"},{"startTime":1949.871,"endTime":1952.601,"body":"might just change the way."},{"startTime":1952.841,"endTime":1953.471,"body":"Think about your bid."},{"startTime":1953.471,"endTime":1956.351,"body":"Business while you're there,"},{"startTime":1953.471,"endTime":1956.351,"body":"catch up on past episodes."},{"startTime":1956.351,"endTime":1958.751,"body":"Leave a review and check out our socials."}]}