#New Insurance Technology

[kodytechnolab]

[in-sightpublishing]

Actuarial Sciences 4: Erik Haereid, M.Sc., on Predicting the Future Precisely

                  Publisher: In-Sight Publishing Publisher Founding: March 1, 2014 Web Domain: http://www.in-sightpublishing.com Location: Fort Langley, Township of Langley, British Columbia, Canada Journal: In-Sight: Independent Interview-Based Journal Journal Founding: August 2, 2012 Frequency: Three (3) Times Per Year Review Status: Non-Peer-Reviewed Access: Electronic/Digital & Open…

[megamindstechnologies]

The role of managed services in digital transformation

Today’s organizations face ongoing pressure to innovate and adapt in the ever changing digital market. Digital transformation is now essential to maintaining competitiveness rather than a luxury. An essential element of this change is the implementation of managed services. Organizations can focus on key company goals, cut expenses, and streamline processes by utilizing managed services.

Read more:

[vivekbsworld]

Secure Path Premium: Enhancing Safety and Peace of Mind for Your Loved Ones

In an increasingly connected world, ensuring the safety and well-being of our loved ones is paramount. Whether it’s tracking the whereabouts of family members or safeguarding valuable assets, having a reliable and comprehensive security solution is essential. Enter Secure Path Premium – the ultimate choice for individuals and families seeking advanced security and peace of mind. Let’s explore how Secure Path Premium offers unparalleled protection and convenience in today’s fast-paced world.

Comprehensive Location Tracking: With Secure Path Premium, you can track the real-time location of your loved ones with precision and accuracy. Whether they’re commuting to work, traveling abroad, or simply enjoying a day out, you’ll have peace of mind knowing their exact whereabouts at all times. Advanced GPS technology ensures reliable location tracking, allowing you to stay connected and informed, no matter where life takes them.

Customized Geofencing Alerts: Secure Path Premium offers customizable geofencing alerts, allowing you to define specific areas on the map and receive instant notifications when your loved ones enter or leave those zones. Whether it’s school, home, or a designated safe zone, you’ll receive timely alerts, providing an added layer of security and reassurance.

Emergency SOS Features: In times of distress or emergency, every second counts. Secure Path Premium includes built-in emergency SOS features that enable your loved ones to send instant alerts and distress signals with the touch of a button. Whether they’re facing a medical emergency, threat to personal safety, or need immediate assistance, help is just a tap away.

Safe Driving Monitoring: For families with young drivers or elderly relatives, safe driving monitoring is crucial. Secure Path Premium offers comprehensive driving behavior analysis, allowing you to monitor speed, acceleration, braking, and other critical driving metrics in real-time. By promoting safe driving habits and addressing risky behavior proactively, you can reduce the risk of accidents and ensure the safety of your loved ones on the road.

Advanced Security Features: Beyond location tracking and emergency assistance, Secure Path Premium offers a range of advanced security features to protect your loved ones and valuable assets. From anti-theft alerts for vehicles and personal belongings to tamper-proof device security, you’ll have peace of mind knowing that your family is protected against potential threats and vulnerabilities.

Cross-Platform Compatibility: Secure Path Premium is designed for convenience and accessibility, with cross-platform compatibility across smartphones, tablets, and desktop devices. Whether you’re at home, in the office, or on the go, you can access the Secure Path platform from any device, ensuring that you’re always connected to your loved ones and their safety remains a top priority.

User-Friendly Interface: With an intuitive and user-friendly interface, Secure Path Premium is easy to navigate and use, even for those who aren’t tech-savvy. From setting up personalized alerts to reviewing historical location data, managing your family’s security has never been easier. Plus, dedicated customer support is available to assist you every step of the way, ensuring a seamless experience from start to finish.

In conclusion, Secure Path Premium offers unmatched security and peace of mind for individuals and families seeking to protect their loved ones and assets. With advanced features such as comprehensive location tracking, customizable geofencing alerts, emergency SOS capabilities, and safe driving monitoring, Secure Path Premium empowers you to stay connected, informed, and in control, no matter where life takes you.

[insurancetechsworld]

Simplifying Cannabis Insurance Processes with New-age Technologies

Explore how new-age technologies are simplifying cannabis insurance processes, driving efficiency, mitigating risks, and empowering businesses to thrive in this rapidly evolving industry. Read full blog here:

[jcmarchi]

Unsafe Design? Experts Raise Concerns about Tesla Cybertruck - Technology Org

New Post has been published on https://thedigitalinsider.com/unsafe-design-experts-raise-concerns-about-tesla-cybertruck-technology-org/

Unsafe Design? Experts Raise Concerns about Tesla Cybertruck - Technology Org

The safety of Tesla’s Cybertruck is raising concerns among experts due to its angular design that features sharp edges and stiff stainless-steel exoskeleton structure which is most likely not compatible with the latest trends in automotive safety.

Tesla Cybertruck in a showroom – illustrative photo. Image credit: Phillip Pessar via Flickr, CC BY 2.0 DEED license

Six safety professors and officials, who analyzed crash test videos presented during a webcast delivery event, expressed worries about potential harm to pedestrians, cyclists, and other vehicles on the road, Reuters wrote in a recently published article.

Despite discussions on social media regarding the live-streamed crash test videos on November 30, experts emphasized the need for comprehensive crash-test data to draw definitive conclusions about the vehicle’s safety.

Previously, regulatory authorities were unimpressed by Elon Musk’s statements about the car’s ‘waterproof’ rating.

“The big problem there is if they really make the skin of the vehicle very stiff by using thick stainless steel, then when people hit their heads on it, it’s going to cause more damage to them,” explained Adrian Lund, the former president of the Insurance Institute for Highway Safety (IIHS), the organization responsible for an industry-standard for vehicle crash tests.

Previously, Tesla highlighted the Cybertruck’s structural elements designed to absorb impact during crashes. Tesla CEO Elon Musk said he was confident in the Cybertruck’s safety, claiming it would be safer for both occupants and pedestrians than other vehicles of the same class.

The vehicle’s unique design features flat planes and long, linear edges, making it visually distinct. It is the first car with a stainless-steel exterior since the introduction of the DeLorean car in 1985’s “Back to the Future.” Musk mentioned that the material’s toughness even caused the stamping machine to break while forming the panels.

Written by Alius Noreika

You can offer your link to a page which is relevant to the topic of this post.

[wilsons-hotlittleprettyboymouth]

Okay listen I have another disability related thing that’s important!!

If you have any disabilities linked to tooth decay/erosion, through direct cause or secondary symptom, it is vital that you get one or both of the following items: Sensodyne toothpaste and enamel repair mouthwash

This includes health conditions such as acid reflux, diabetes, thyroid conditions, fibromyalgia, chronic pain & mental illnesses such as depression that create poor hygiene routines, sensory issue disorders like autism and ADHD, and any health condition that causes frequent vomiting / increased stomach acid, including eating disorders and migraines.

All of these disabilities will erode the enamel of your teeth, not only opening you up to cavities but making it very easy to chip your teeth from such simple things as biting the wrong way on the tines of a fork. (I’ve chipped my teeth at least 4 times this way).

The toothpaste on the left here (sensodyne pronamel) is gentle on your teeth, won’t cause painful sensations from any extreme mint flavor, and will even protect your gums if they’re sensitive from any of these conditions.

The mouthwash on the right (Crest enamel repair) will, as it says, repair your enamel — which is marvelous, because the technology to repair your enamel at all is relatively very new to society! — but it is most importantly non-alcoholic. Meaning that it works well as a once-a-day rinse without any of the burning sensations of antiseptics that typically discourage people with sensory issues from taking care of their teeth.

I know remembering to do these things every day can feel like a lot when you’re sick and exhausted, but I promise a collective three minutes out of every day is going to save you an incredible amount of pain and money in the future. If your teeth are susceptible enough to rot, you can actually die from infection. And as they say, with how little insurance actually covers dental —

Not brushing your teeth??

In THIS economy???

[wilwheaton]

In 1960, SAG and WGA struck to force management to adapt to the new technology of television. Without that strike and the agreement it birthed, residual use payments would not exist.

My parents stole nearly all of my salary from my entire childhood. My Star Trek residuals were all I had, and they kept me afloat for two decades while I rebuilt my life. I have healthcare and a pension because of my union. The AMPTP billionaires want to take all that security away so they can give CEOs even more grotesque wealth at the expense of the people who make our industry run.

To give some sense of what is at stake: There are actors who star in massively successful, profitable, critically acclaimed shows that are all on streaming services. You see them all the time. They are famous, A-list celebrities. Nearly all of those actors don't earn enough to qualify for health insurance, because the studios forced them to accept a buyout for all their residuals (decade of reuse, at the least) that is less than I earned for one week on TNG. And I was the lowest paid cast member in 1988. They want to do this while studio profits and CEO compensation are at historic highs.

I mean, if not now, when? And I haven't even touched on AI and working conditions.

We must fight for the future of our industry in the face of changing technology, the same way our elders did in 1960. So today, my Spacemom and I went to the place where it started for us, way back when, to do just that.

I see all your support. It means so much. Thank you.

[megamindstechnologies]

The role of managed services in digital transformation

Today’s organizations face ongoing pressure to innovate and adapt in the ever changing digital market. Digital transformation is now essential to maintaining competitiveness rather than a luxury. An essential element of this change is the implementation of managed services. Organizations can focus on key company goals, cut expenses, and streamline processes by utilizing managed services.

Read more:

[asuryachoudharyblr]

Traditional insurance businesses are increasingly capitalizing on digital transformation to innovate business models and operations. Notable technologies like Artificial Intelligence, Blockchain, Internet of Things, and Predictive Analytics are leaving a huge impact on the insurance industry. Read the blog to know how new-age technologies in insurance are transforming the industry.

[mostlysignssomeportents]

The reason you can’t buy a car is the same reason that your health insurer let hackers dox you

On July 14, I'm giving the closing keynote for the fifteenth HACKERS ON PLANET EARTH, in QUEENS, NY. Happy Bastille Day! On July 20, I'm appearing in CHICAGO at Exile in Bookville.

In 2017, Equifax suffered the worst data-breach in world history, leaking the deep, nonconsensual dossiers it had compiled on 148m Americans and 15m Britons, (and 19k Canadians) into the world, to form an immortal, undeletable reservoir of kompromat and premade identity-theft kits:

https://en.wikipedia.org/wiki/2017_Equifax_data_breach

Equifax knew the breach was coming. It wasn't just that their top execs liquidated their stock in Equifax before the announcement of the breach – it was also that they ignored years of increasingly urgent warnings from IT staff about the problems with their server security.

Things didn't improve after the breach. Indeed, the 2017 Equifax breach was the starting gun for a string of more breaches, because Equifax's servers didn't just have one fubared system – it was composed of pure, refined fubar. After one group of hackers breached the main Equifax system, other groups breached other Equifax systems, over and over, and over:

https://finance.yahoo.com/news/equifax-password-username-admin-lawsuit-201118316.html

Doesn't this remind you of Boeing? It reminds me of Boeing. The spectacular 737 Max failures in 2018 weren't the end of the scandal. They weren't even the scandal's start – they were the tipping point, the moment in which a long history of lethally defective planes "breached" from the world of aviation wonks and into the wider public consciousness:

https://en.wikipedia.org/wiki/List_of_accidents_and_incidents_involving_the_Boeing_737

Just like with Equifax, the 737 Max disasters tipped Boeing into a string of increasingly grim catastrophes. Each fresh disaster landed with the grim inevitability of your general contractor texting you that he's just opened up your ceiling and discovered that all your joists had rotted out – and that he won't be able to deal with that until he deals with the termites he found last week, and that they'll have to wait until he gets to the cracks in the foundation slab from the week before, and that those will have to wait until he gets to the asbestos he just discovered in the walls.

Drip, drip, drip, as you realize that the most expensive thing you own – which is also the thing you had hoped to shelter for the rest of your life – isn't even a teardown, it's just a pure liability. Even if you razed the structure, you couldn't start over, because the soil is full of PCBs. It's not a toxic asset, because it's not an asset. It's just toxic.

Equifax isn't just a company: it's infrastructure. It started out as an engine for racial, political and sexual discrimination, paying snoops to collect gossip from nosy neighbors, which was assembled into vast warehouses full of binders that told bank officers which loan applicants should be denied for being queer, or leftists, or, you know, Black:

https://jacobin.com/2017/09/equifax-retail-credit-company-discrimination-loans

This witch-hunts-as-a-service morphed into an official part of the economy, the backbone of the credit industry, with a license to secretly destroy your life with haphazardly assembled "facts" about your life that you had the most minimal, grudging right to appeal (or even see). Turns out there are a lot of customers for this kind of service, and the capital markets showered Equifax with the cash needed to buy almost all of its rivals, in mergers that were waved through by a generation of Reaganomics-sedated antitrust regulators.

There's a direct line from that acquisition spree to the Equifax breach(es). First of all, companies like Equifax were early adopters of technology. They're a database company, so they were the crash-test dummies for ever generation of database. These bug-riddled, heavily patched systems were overlaid with subsequent layers of new tech, with new defects to be patched and then overlaid with the next generation.

These systems are intrinsically fragile, because things fall apart at the seams, and these systems are all seams. They are tech-debt personified. Now, every kind of enterprise will eventually reach this state if it keeps going long enough, but the early digitizers are the bow-wave of that coming infopocalypse, both because they got there first and because the bottom tiers of their systems are composed of layers of punchcards and COBOL, crumbling under the geological stresses of seventy years of subsequent technology.

The single best account of this phenomenon is the British Library's postmortem of their ransomware attack, which is also in the running for "best hard-eyed assessment of how fucked things are":

https://www.bl.uk/home/british-library-cyber-incident-review-8-march-2024.pdf

There's a reason libraries, cities, insurance companies, and other giant institutions keep getting breached: they started accumulating tech debt before anyone else, so they've got more asbestos in the walls, more sagging joists, more foundation cracks and more termites.

That was the starting point for Equifax – a company with a massive tech debt that it would struggle to pay down under the most ideal circumstances.

Then, Equifax deliberately made this situation infinitely worse through a series of mergers in which it bought dozens of other companies that all had their own version of this problem, and duct-taped their failing, fucked up IT systems to its own. The more seams an IT system has, the more brittle and insecure it is. Equifax deliberately added so many seams that you need to be able to visualized additional spatial dimensions to grasp them – they had fractal seams.

But wait, there's more! The reason to merge with your competitors is to create a monopoly position, and the value of a monopoly position is that it makes a company too big to fail, which makes it too big to jail, which makes it too big to care. Each Equifax acquisition took a piece off the game board, making it that much harder to replace Equifax if it fucked up. That, in turn, made it harder to punish Equifax if it fucked up. And that meant that Equifax didn't have to care if it fucked up.

Which is why the increasingly desperate pleas for more resources to shore up Equifax's crumbling IT and security infrastructure went unheeded. Top management could see that they were steaming directly into an iceberg, but they also knew that they had a guaranteed spot on the lifeboats, and that someone else would be responsible for fishing the dead passengers out of the sea. Why turn the wheel?

That's what happened to Boeing, too: the company acquired new layers of technical complexity by merging with rivals (principally McDonnell-Douglas), and then starved the departments that would have to deal with that complexity because it was being managed by execs whose driving passion was to run a company that was too big to care. Those execs then added more complexity by chasing lower costs by firing unionized, competent, senior staff and replacing them with untrained scabs in jurisdictions chosen for their lax labor and environmental enforcement regimes.

(The biggest difference was that Boeing once had a useful, high-quality product, whereas Equifax started off as an irredeemably terrible, if efficient, discrimination machine, and grew to become an equally terrible, but also ferociously incompetent, enterprise.)

This is the American story of the past four decades: accumulate tech debt, merge to monopoly, exponentially compound your tech debt by combining barely functional IT systems. Every corporate behemoth is locked in a race between the eventual discovery of its irreparable structural defects and its ability to become so enmeshed in our lives that we have to assume the costs of fixing those defects. It's a contest between "too rotten to stand" and "too big to care."

Remember last February, when we all discovered that there was a company called Change Healthcare, and that they were key to processing virtually every prescription filled in America? Remember how we discovered this? Change was hacked, went down, ransomed, and no one could fill a scrip in America for more than a week, until they paid the hackers $22m in Bitcoin?

https://en.wikipedia.org/wiki/2024_Change_Healthcare_ransomware_attack

How did we end up with Change Healthcare as the linchpin of the entire American prescription system? Well, first Unitedhealthcare became the largest health insurer in America by buying all its competitors in a series of mergers that comatose antitrust regulators failed to block. Then it combined all those other companies' IT systems into a cosmic-scale dog's breakfast that barely ran. Then it bought Change and used its monopoly power to ensure that every Rx ran through Change's servers, which were part of that asbestos-filled, termite-infested, crack-foundationed, sag-joisted teardown. Then, it got hacked.

United's execs are the kind of execs on a relentless quest to be too big to care, and so they don't care. Which is why their they had to subsequently announce that they had suffered a breach that turned the complete medical histories of one third of Americans into immortal Darknet kompromat that is – even now – being combined with breach data from Equifax and force-fed to the slaves in Cambodia and Laos's pig-butchering factories:

https://www.cnn.com/2024/05/01/politics/data-stolen-healthcare-hack/index.html

Those slaves are beaten, tortured, and punitively raped in compounds to force them to drain the life's savings of everyone in Canada, Australia, Singapore, the UK and Europe. Remember that they are downstream of the forseeable, inevitable IT failures of companies that set out to be too big to care that this was going to happen.

Failures like Ticketmaster's, which flushed 500 million users' personal information into the identity-theft mills just last month. Ticketmaster, you'll recall, grew to its current scale through (you guessed it), a series of mergers en route to "too big to care" status, that resulted in its IT systems being combined with those of Ticketron, Live Nation, and dozens of others:

https://www.nytimes.com/2024/05/31/business/ticketmaster-hack-data-breach.html

But enough about that. Let's go car-shopping!

Good luck with that. There's a company you've never heard. It's called CDK Global. They provide "dealer management software." They are a monopolist. They got that way after being bought by a private equity fund called Brookfield. You can't complete a car purchase without their systems, and their systems have been hacked. No one can buy a car:

https://www.cnn.com/2024/06/27/business/cdk-global-cyber-attack-update/index.html

Writing for his BIG newsletter, Matt Stoller tells the all-too-familiar story of how CDK Global filled the walls of the nation's auto-dealers with the IT equivalent of termites and asbestos, and lays the blame where it belongs: with a legal and economics establishment that wanted it this way:

https://www.thebignewsletter.com/p/a-supreme-court-justice-is-why-you

The CDK story follows the Equifax/Boeing/Change Healthcare/Ticketmaster pattern, but with an important difference. As CDK was amassing its monopoly power, one of its execs, Dan McCray, told a competitor, Authenticom founder Steve Cottrell that if he didn't sell to CDK that he would "fucking destroy" Authenticom by illegally colluding with the number two dealer management company Reynolds.

Rather than selling out, Cottrell blew the whistle, using Cottrell's own words to convince a district court that CDK had violated antitrust law. The court agreed, and ordered CDK and Reynolds – who controlled 90% of the market – to continue to allow Authenticom to participate in the DMS market.

Dealers cheered this on: CDK/Reynolds had been steadily hiking prices, while ingesting dealer data and using it to gouge the dealers on additional services, while denying dealers access to their own data. The services that Authenticom provided for $35/month cost $735/month from CDK/Reynolds (they justified this price hike by saying they needed the additional funds to cover the costs of increased information security!).

CDK/Reynolds appealed the judgment to the 7th Circuit, where a panel of economists weighed in. As Stoller writes, this panel included monopoly's most notorious (and well-compensated) cheerleader, Frank Easterbrook, and the "legendary" Democrat Diane Wood. They argued for CDK/Reynolds, demanding that the court release them from their obligations to share the market with Authenticom:

https://caselaw.findlaw.com/court/us-7th-circuit/1879150.html

The 7th Circuit bought the argument, overturning the lower court and paving the way for the CDK/Reynolds monopoly, which is how we ended up with one company's objectively shitty IT systems interwoven into the sale of every car, which meant that when Russian hackers looked at that crosseyed, it split wide open, allowing them to halt auto sales nationwide. What happens next is a near-certainty: CDK will pay a multimillion dollar ransom, and the hackers will reward them by breaching the personal details of everyone who's ever bought a car, and the slaves in Cambodian pig-butchering compounds will get a fresh supply of kompromat.

But on the plus side, the need to pay these huge ransoms is key to ensuring liquidity in the cryptocurrency markets, because ransoms are now the only nondiscretionary liability that can only be settled in crypto:

https://locusmag.com/2022/09/cory-doctorow-moneylike/

When the 7th Circuit set up every American car owner to be pig-butchered, they cited one of the most important cases in antitrust history: the 2004 unanimous Supreme Court decision in Verizon v Trinko:

https://www.oyez.org/cases/2003/02-682

Trinko was a case about whether antitrust law could force Verizon, a telcoms monopolist, to share its lines with competitors, something it had been ordered to do and then cheated on. The decision was written by Antonin Scalia, and without it, Big Tech would never have been able to form. Scalia and Trinko gave us the modern, too-big-to-care versions of Google, Meta, Apple, Microsoft and the other tech baronies.

In his Trinko opinion, Scalia said that "possessing monopoly power" and "charging monopoly prices" was "not unlawful" – rather, it was "an important element of the free-market system." Scalia – writing on behalf of a unanimous court! – said that fighting monopolists "may lessen the incentive for the monopolist…to invest in those economically beneficial facilities."

In other words, in order to prevent monopolists from being too big to care, we have to let them have monopolies. No wonder Trinko is the Zelig of shitty antitrust rulings, from the decision to dismiss the antitrust case against Facebook and Apple's defense in its own ongoing case:

https://www.ftc.gov/system/files/documents/cases/073_2021.06.28_mtd_order_memo.pdf

Trinko is the origin node of too big to care. It's the reason that our whole economy is now composed of "infrastructure" that is made of splitting seams, asbestos, termites and dry rot. It's the reason that the entire automotive sector became dependent on companies like Reynolds, whose billionaire owner intentionally and illegally destroyed evidence of his company's crimes, before going on to commit the largest tax fraud in American history:

https://www.wsj.com/articles/billionaire-robert-brockman-accused-of-biggest-tax-fraud-in-u-s-history-dies-at-81-11660226505

Trinko begs companies to become too big to care. It ensures that they will exponentially increase their IT debt while becoming structurally important to whole swathes of the US economy. It guarantees that they will underinvest in IT security. It is the soil in which pig butchering grew.

It's why you can't buy a car.

Now, I am fond of quoting Stein's Law at moments like this: "anything that can't go on forever will eventually stop." As Stoller writes, after two decades of unchallenged rule, Trinko is looking awfully shaky. It was substantially narrowed in 2023 by the 10th Circuit, which had been briefed by Biden's antitrust division:

https://law.justia.com/cases/federal/appellate-courts/ca10/22-1164/22-1164-2023-08-21.html

And the cases of 2024 have something going for them that Trinko lacked in 2004: evidence of what a fucking disaster Trinko is. The wrongness of Trinko is so increasingly undeniable that there's a chance it will be overturned.

But it won't go down easy. As Stoller writes, Trinko didn't emerge from a vacuum: the economic theories that underpinned it come from some of the heroes of orthodox economics, like Joseph Schumpeter, who is positively worshipped. Schumpeter was antitrust's OG hater, who wrote extensively that antitrust law didn't need to exist because any harmful monopoly would be overturned by an inevitable market process dictated by iron laws of economics.

Schumpeter wrote that monopolies could only be sustained by "alertness and energy" – that there would never be a monopoly so secure that its owner became too big to care. But he went further, insisting that the promise of attaining a monopoly was key to investment in great new things, because monopolists had the economic power that let them plan and execute great feats of innovation.

The idea that monopolies are benevolent dictators has pervaded our economic tale for decades. Even today, critics who deplore Facebook and Google do so on the basis that they do not wield their power wisely (say, to stamp out harassment or disinformation). When confronted with the possibility of breaking up these companies or replacing them with smaller platforms, those critics recoil, insisting that without Big Tech's scale, no one will ever have the power to accomplish their goals:

https://pluralistic.net/2023/07/18/urban-wildlife-interface/#combustible-walled-gardens

But they misunderstand the relationship between corporate power and corporate conduct. The reason corporations accumulate power is so that they can be insulated from the consequences of the harms they wreak upon the rest of us. They don't inflict those harms out of sadism: rather, they do so in order to externalize the costs of running a good system, reaping the profits of scale while we pay its costs.

The only reason to accumulate corporate power is to grow too big to care. Any corporation that amasses enough power that it need not care about us will not care about it. You can't fix Facebook by replacing Zuck with a good unelected social media czar with total power over billions of peoples' lives. We need to abolish Zuck, not fix Zuck.

Zuck is not exceptional: there were a million sociopaths whom investors would have funded to monopolistic dominance if he had balked. A monopoly like Facebook has a Zuck-shaped hole at the top of its org chart, and only someone Zuck-shaped will ever fit through that hole.

Our whole economy is now composed of companies with sociopath-shaped holes at the tops of their org chart. The reason these companies can only be run by sociopaths is the same reason that they have become infrastructure that is crumbling due to sociopathic neglect. The reckless disregard for the risk of combining companies is the source of the market power these companies accumulated, and the market power let them neglect their systems to the point of collapse.

This is the system that Schumpeter, and Easterbrook, and Wood, and Scalia – and the entire Supreme Court of 2004 – set out to make. The fact that you can't buy a car is a feature, not a bug. The pig-butcherers, wallowing in an ocean of breach data, are a feature, not a bug. The point of the system was what it did: create unimaginable wealth for a tiny cohort of the worst people on Earth without regard to the collapse this would provoke, or the plight of those of us trapped and suffocating in the rubble.

Support me this summer on the Clarion Write-A-Thon and help raise money for the Clarion Science Fiction and Fantasy Writers' Workshop!

If you'd like an essay-formatted version of this post to read or share, here's a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2024/06/28/dealer-management-software/#antonin-scalia-stole-your-car

Image: Cryteria (modified) https://commons.wikimedia.org/wiki/File:HAL9000.svg

CC BY 3.0 https://creativecommons.org/licenses/by/3.0/deed.en

[briarpatch-kids]

I don't think people realize how RECENT some medical care is. The migraine preventative my husband is on was JUST released. The heart medicine that works best for me? When I got diagnosed, I was told "there's this medicine we think would work for you but it's off label use and insurance would never cover and it's $1800 a month without coverage" and then a few years later I was on that medicine.

My ventilator that's portable and lightweight. The one thats the size of a lunch box and 11 pounds? That's pretty recent, even now there's a lot of changes happening to the technology. I found out I'm being switched to a new model with twice the battery life. That means I'm no longer limited to 12 hours of mobility a day without having to be plugged in. (And I'm lucky for 12, I qualified for an extra battery. If I didn't it would be 8)

We live in unprecedented times to be disabled. And just because technology EXISTED before that doesn't mean it was good or available for people to actually use.

[what-shitfuckery-is-this-ew]

BOYCOTTING FOR PALESTINE

The Official BDS Boycott Targets

Campaigns

Block the boat: End maritime arms transfer to Israel

Ban Apartheid Israel from Sports (FIFA, Olympics)

Consumer Boycotts - a complete boycott of these brands

Disney (SPECIFICALLY MARVEL)

Intel

Axa

Puma

Carrefour

HP

Cevron

Caltex

Israeli produce

Re/max

Ahava

Texaco

Siemens

Sodastream

Intel

Organic Boycott Targets - boycotts not initiated by BDS but still complete boycott of these brands

Macdonald's

Dominos

Papa Johns

Burger King

Pizza Hut

Wix

Divestments and exclusion - pressure governments, institutions, investment funds, city councils, etc. to exclude from procurement contracts and investments and to divest from these

Elbit Systems

CAF

Volvo

CAT

Barclays

JCB

HD Hyundai

TKH Security

HikVision

Pressure - boycotts when reasonable alternatives exist, as well as lobbying, peaceful disruptions, and social media pressure.

Google

Amazon

AirBnb

Booking.Com

Expedia

Teva

Here are some companies that strongly support Israel (but are not Boycott targets). There is no ethical consumption under capitalism and boycotting is a political strategy - not a moral one. If you did try to boycott every supporter of Israel you would struggle to survive because every major company supports Israel (as a result of attempting to keep the US economy afloat), that being said, the ones that are being boycotted by masses and not already on the organic boycott list are coloured red.

5 Star Chocolate

7Days

7Up

Apple

Arsenal FC

ALDO

Arket

Axe

Accenture

Ariel

Adidas

ActionIQ

Aquafina

Amika

AccuWeather

Activia

Adobe

Aesop

Azrieli Group

American Eagle

Amway Corp

Axel Springer

American Airlines

American Express

Atlassian

AdeS

Aquarius

Ayataka

Audi

Barqs

Bain & Company

Bayer

Bank Leumi

Bank Hapoalim

BCG (Boston Consulting Group)

Biotherm

Bershka

Bloomberg

BMW

Boeing

Booz Allen Hamilton

Burberry

Bath & Body Works

Bosch

Bristol Myers Squibb

Capri Holdings

Costa

Carita Paris

CareTrust REIT

Caterpillar

Coach

Cappy

Caudalie

CeraVe

Check Point Software Technologies

Cerelac

Chanel

Chapman and Cutler

Channel

Cheerios

Cheetos

Chevron

Chips Ahoy!

Christina Aguilera

Citi Bank

Carrefour

Codral

Cosco

Canada Dry

Citi

Clal Insurance Enterprises

Clean & Clear

Clearblue

Clinique

Champion

Club Social

Coca Cola

Coffee Mate

Colgate

Comcast

Compass

Caesars

Conde Nast

Cooley LLP

Costco

Côte d’Or

Crest

CV Starr

CyberArk Software

Cytokinetics

Crayola

Cra Z Art

Daimler

Dr Pepper

Del Valle

Daim

Doctor Pepper

Dasani

Doritos

Daz

Dior

Dell

Deloitte

Delta Air Lines

Deutsche Bank

Deutsche Telekom

DHL Group

David Off

Disney

DLA Piper

Domestos

Domino’s

Douglas Elliman

Downy

Duane Morris LLP

Dreft Baby Detergent & Laundry Products

Dreyer’s Grand Ice Cream

eBay

Edelman

Eli Lilly

Evian

Empyrean

Ericsson

Endeavor

EPAM Systems

Estee Lauder

Elbit Systems

EY

Forbes

Facebook

Fairlife

Fanta

First International Bank of Israel

Fiverr

Funyuns

Fuze

Fox News

Fritos

Fox Corp

Gatorade

Gamida Cell

GE

Glamglow

General Catalyst

General Motors

Georgia

Gold Peak

Genesys

Goldman Sachs

Grandma’s Cookies

Garnier

Guess

Greenberg Traurig

Guerlain

Givenchy

H&M

Hadiklaim

Huggies

Hanes

HSBC

Head & Shoulders

Hersheys

Herbert Smith Freehills

Hewlett Packard

Hasbro

Hyundai

Henkel

Harel Insurance Investment & Financial Services

Hewlett Packard Enterprise

HubSpot

Huntsman Corp

IBM

Innocent

Insight Partners

Inditex Group

IT Cosmetics

Instacart

Intermedia

Interpublic Group

Instagram

ICL Group

Intuit

Jazwares

Jefferies

John Lewis

JP Morgan Chase

Jaguar

Johnson & Johnson

JPMorgan

Kenon Holdings

Kate Spade

Kirks’

Kinley Water

KKR

KFC

KKW Cosmetics

Kurkure

Keebler

Kolynos

Kaufland

Kevita

Knorr

KPMG

Lemonade

Lidl

Loblaws

Levi Strauss

Louis Vuitton

Life Water

Levi’s

Levi’s Strauss

LinkedIn

Land Rover

L’Oréal

Lego

Levissima

Live Nation Entertainment

Lufthansa

La Roche-Posay

Lipton

Major League Baseball

Manpower Group

Marriott

Marsh McLennan

Maison Francis Kurkdjian

Mastercard

Mattel

Minute Maid

Monster

Monki

Mainz FC

Mellow Yellow

Mountain Dew

Migdal Insurance

Marks & Spencer

Mirinda

McDermott Will & Emery

Motorola

McKinsey

Merck

Michael Kors

Mizrahi Tefahot Bank

Merck KGaA

Micheal Kors

Milkybar

Maybelline

Mount Franklin

Meta

MeUndies

Mattle

Microsoft

Munchies

Miranda

Morgan Lewis

Moroccanoil

Morgan Stanley

MRC

Nasdaq

Naughty Dog

Nivea

Next

NOS

Nabisco

Nutter Butter

No Frills

National Basketball Association

National Geographic

Nintendo

New Balance

Nutella

Newtons

NVIDIA

Netflix

Nescafe

Nestle

Nesquick

Nike

Nussbeisser

Oreo

Oral B

Old spice

Oysho

Omeprazole

Oceanspray

Opodo

P&G (Procter and Gamble)

Pampers

Pull & Bear

Pepsi

Pfizer

Popeyes

Parker Pens

Philadelphia Cream Cheese

Pizza Hut

Powerade

Purina

Phoenix Holdings

Propel

Ponds

Pure Leaf Green Tea

Power Action Wipes

PwC

Prada

Perry Ellis

Prada Eyewear

Pringles

Payoneer

Procter & Gamble

Purelife

Pureology

Quaker Oats

Reddit

Royal Bank of Canada

Ruffles

Revlon

Ralph Lauren

Ritz

Rolls Royce

Royal

S.Pellegrino

Sabra Hummus

Sabre

Sony

SAP

Simply

Smart Water

Sprite

Schwabe

Shell

Soda Stream

Siemens

StreamElements

Schweppes

Sunsilk

Signal

Skittles

Smart Food

Sobe

Smarties

Sephora

Sam’s Club

Superbus

Samsung

Sodastream

Sunkist

Scotiabank

Sour Patch Kids

Starbucks

Sadaf

Stride

Subway

Tang

Tate’s Bake Shop

The Body Shop

Tesco

Twitch

The Ordinary

Tim Hortons

Tostitos

Timberland

Topo Chico

Tapestry

Tropicana

Tommy Hilfiger

Tommy Hilfiger Toiletries

Turbos

Tom Ford

Taco Bell

Triscuit

TUC

Twix

Tottenham Hotspurs

Twisties

Tripadvisor

Uber

Uber Eats

Urban Decay

Upfield

Unilever

Vicks

Victoria’s Secret

V8

Vaseline

Vitaminwater

Volkswagen

Volvo

Walmart

Wegmans

WhatsApp

Waitrose

Woolworths

Wheat Thins

Walkers

Warner Brothers

Warner Chilcot

Warner Music

Wells Fargo

Winston & Strawn

WingStreet

Wissotzky Tea

WWE

Wheel Washing Powder

Wrigley Company

YouTube

Yvel

Yum Brands

Ziyad

Zara

Zim Shipping

Ziff Davis