HK

[HK @SemiChurn]

@ericmigi @Pebble Can I order one today and apply for a beta test ?

[HK @SemiChurn]

@shankky_ @johlarss @shai_wininger You get a discount on GEICO if you hold Berkshire stock.

[HK @SemiChurn]

@AuditTheHerd Great thoughts I do agree with the thinking that trust is a major component. I also think as the cohort ages then convenience also play a factor ( trading $/hr with staying on the line with an insurance agent during claims for example)

[HK @SemiChurn]

@OGCapital25 $NOK

[HK @SemiChurn]

@ASchulz888 @CyberCatX Yes ! Was really good to hear this
Also liked the bit where she mentioned that only AI can insure AI. Strengthens insurance in the agentic era.

[HK @SemiChurn]

Captures $LMND working model perfectly.

[Satya Nadella @satyanadella]

https://t.co/vLmiBKTtX3

[HK @SemiChurn]

Slowly and then all at once ! LTV continue to churn.
Also excited to see that $LMND is carefully valueing cost of ownership before jumping into new third-party models.

[Shai Wininger @shai_wininger]

@SemiChurn @MadsLRosendal @nefthy @FelixKern2 @NathanKohn @korndaniel1 @daschreiber @Maya_Prosor @tebixby @audrey_zada @Lemonade_Inc Apart from agentic coding and reasoning, we use third-party models for boring stuff like data extraction and formatting.

The core pricing and UW precision, which I consider to be our real moat, come from our own models such as LTV13.

[HK @SemiChurn]

@shai_wininger @MadsLRosendal @nefthy @FelixKern2 @NathanKohn @korndaniel1 @daschreiber @Maya_Prosor @tebixby @audrey_zada @Lemonade_Inc Is the use case for external models to develop internal models or are external models also used for some of the decision making with the right data set and context ?

[HK @SemiChurn]

@CKCapitalxx $LMND ~3x LTV/CAC. Strong unit economics

[HK @SemiChurn]

@shai_wininger Love the SEM image detail!

[HK @SemiChurn]

@shai_wininger Submitted ! Never been to one before, but really hoping I get a chance !

[Nic Cruz Patane @niccruzpatane]

If you are a HW4 Tesla owner in Arizona, Indiana or Oregon, you can now get Lemonade Autonomous Car Insurance with a 50% discount on every mile driven using FSD.

You pay a low fixed parking price, then pay only for miles driven each month. If you have FSD activated, those miles are 50% off.

The company says that as FSD versions improve, prices will go down further.

As always, insurance is different for everyone, so make sure you check other options to see what’s right for you. If available, Tesla Insurance might be cheaper if you have high FSD usage as well.

[HK @SemiChurn]

@shai_wininger @Lemonade_Inc Stepping on the acceleration pedal ! Nice

[HK @SemiChurn]

@jevidon This is really cool. Been thinking of something like this myself and will try to build a prototype based on the video.

[HK @SemiChurn]

@BenBajarin Cyanogen Mod !

[HK @SemiChurn]

@patrick_oshag @colossusmag Shai Wininger from @Lemonade_Inc

[HK @SemiChurn]

@getpeid Pebble Watch @Pebble

[HK @SemiChurn]

So much Alpha in this interview !

[Chris Barber (in SF) @chrisbarber]

https://t.co/Z5V4Li4QFE

[HK @SemiChurn]

@egr_investor Amex business is introducing ChatGPT credits. Coupon booking for AI credits is right around the horizon, I think.

[HK @SemiChurn]

Durable AI company 🍋

[Hiten Shah @hnshah]

The most important startup lesson from this Anthropic CFO interview is simple.

If you build on frontier models, you are building on someone else’s compute strategy.

Labs will make capacity, rate limit, pricing, and availability decisions around research, internal acceleration, customer demand, and future frontier jumps.

Your app will feel the effects.

Shallow wrappers around frontier models will get squeezed.

Durable AI companies will own workflow, proprietary context, data rights, distribution, compliance, and trust.

The next interface is a managed agent workspace with context, tools, permissions, memory, review loops, and domain specific skills.

The startup question is what part of the workflow you can truly own.