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Saturday, June 13, 2026
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Mark's disability payments end soon and his CPP payment…

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In two years, Mark says his disability payments end and his Canada Pension Plan payments are reduced, which should be offset by Old Age Security.

Q.

I have been on

disability

for several years due to a chronic illness. I am approaching 65 years of age in less than two years. At that time, my disability payments end and my

Canada Pension Plan

(CPP) payments are reduced, which should be offset by

Old Age Security

(OAS). I have savings and annuity payments but need assistance in budget planning and asset allocation for an uncertain life expectancy.

—Thank you, Mark

FP Answers:

Mark, I am sorry to hear about your disability. My wife has a mild brain injury and is collecting CPP disability, so I have a sense of what you are experiencing financially and know it must be tough to be single and disabled.

Let’s get right to

budgeting

because taking control of your cash flow is key for you, and for everyone. Budgeting is one method but it is not a naturally easy thing to do and it requires the discipline that most people don’t have. Budgeting is good for vacation planning or home renovations but not for living your life. Ideally you can implement a cash flow management system you can automate.

Fortunately, the Certified Cash Flow Specialist Program for financial professionals provides a system that controls your spending, frees up money, and best of all, once it is set up it runs on autopilot, meaning there is nothing you need to do. I have summarized below how it works. It may sound a little confusing but take your time and I’m sure you will get the idea.

The first step is to write out all of your expenses and itemize them into two categories: working cash flow (WorkingCF) and active cash flow (ActiveCF). WorkingCF expenses can be expenses that get you ahead. There is no risk of overspending and there is no emotional pull to want to spend more. They are usually fixed payments, often a need, and the payments are easily automated. Some examples include phone, hydro, fuel and debt payments.

With ActiveCF expenses there is often an emotional pull to want to spend more. They are often variable expenses, meaning things you want but don’t need, and it is difficult to automate the payments. Some examples include entertainment, vacation, and some groceries.

Now you have a list of expenses divided between WorkingCF expenses and ActiveCF expenses. Tally up all of the expenses for each category and then work out what you spend weekly on WorkingCF expenses and ActiveCF expenses.

Finally, determine your weekly take home pay and calculate what percentage your weekly ActiveCF expenses are to your weekly take home pay. Aim for a ratio of 20 per cent ActiveCF to take home pay. If you are in good financial shape 20 per cent may be too restrictive but if you are having real money issues, try restricting your ActiveCF expenses to 15 per cent of your take home pay.

Automate things by setting up two bank accounts and call them WorkingCF and ActiveCF. Your income goes into the WorkingCF account and pays all WorkingCF expenses. Automate every expense and never make ATM withdrawals from the account. Attach a credit card to the account so it is automatically paid off each month and use the credit card to pay WorkingCF expenses that can’t be automated, such as gas. Each week auto transfer 20 per cent of your weekly take home pay to your ActiveCF account.

Use your ActiveCF account for ActiveCF expenses. You can have a debit card on this account but not a credit card. Only use cash for the first 60 days and if you ever find yourself slipping, stop using the debit card and go back to using cash. Ideally, you will spend a little less money than your weekly amount, and you will build up a float in the account.

Ideally, you will find that after paying your WorkingCF and ActiveCF expenses you still have surplus money. Use this money to increase debt payments, invest, or enhance your lifestyle. Again, automate what you can.

That should address your budgeting question. Regarding your question about asset allocation, there are two general approaches to allocating investments: asset allocation and asset dedication.

Normally, with asset allocation you complete a questionnaire and the results point to an appropriate allocation. With asset dedication you anticipate your future spending and allocate that amount to cash or bonds. For example, if you think you will spend $90,000 from your investments over the next three years, allocate $90,000 to cash or bonds. The idea is that if markets drop you have three years for markets to recover. The three years is only an example, and you may want a longer time period.

Mark, it is worth talking through a few things with a planner and preparing a

financial plan

because asset allocation is also a personal thing that should match up with your lifestyle spending. You mentioned an uncertain life expectancy, so there may be unexpected medical expenses. You have an annuity. What else? These things must be factored in.

I wish you all the best Mark and I hope you have a strong supportive social network.

Allan Norman, M.Sc., CFP, CIM, provides fee-only certified financial planning services and insurance products through Atlantis Financial Inc. and provides investment advisory services through Aligned Capital Partners Inc., which is regulated by the Canadian Investment Regulatory Organization. He can be reached at alnorman@atlantisfinancial.ca.

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banana chocolate chip cake – smitten kitchen

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    Cake
  • 3 large eggs, separated
  • ½ cup (4 ounces or 115 grams) unsalted butter, at room temperature
  • 1½ cups (300 grams) granulated sugar
  • 1½ teaspoons vanilla extract
  • 1½ cups (375 grams) mashed bananas
  • ⅔ cup (160 grams) sour cream
  • 3 cups (400 grams) all-purpose flour
  • ½ teaspoon ground cinnamon
  • 1 teaspoon baking powder
  • 1½ teaspoons baking soda
  • 1½ teaspoons kosher salt
  • Filling and topping
  • 2 cups (12 ounces or 340 grams) semi- or bittersweet chocolate chips
  • ½ cup (100 grams) granulated sugar
  • 1 teaspoon ground cinnamon
Heat oven: To 350°F (175°C). Coat a 9×13-inch baking pan with nonstick spray and line the bottom with parchment paper, or if you have a larger sheet of parchment paper, you can use it to line the bottom and the sides, no spraying needed.

Make the batter: In a large bowl, beat egg whites until they hold firm peaks and set aside. [If you only have one mixer bowl, you can transfer the egg whites to another and use the mixer bowl to make the rest of the cake batter.]

In an empty mixing bowl, beat butter and 1½ cups of the granulated sugar until light and fluffy. Beat in egg yolks and vanilla. In a separate bowl, whisk flour, baking soda, baking powder, ½ teaspoon of the cinnamon, and salt together. Add banana to butter mixture and beat until combined. Add half the flour mixture, the sour cream, then the remaining flour mixture, beating each until combined. Fold in the egg whites.

Assemble the cake: Combine remaining ½ cup of the granulated sugar and 1 teaspoon cinnamon in a small bowl. Spread half of batter evenly in the prepared pan. Sprinkle with half of the cinnamon-sugar mixture and 1 cup of the chocolate chips. Dollop remaining cake batter over filling in spoonfuls. Use a rubber or offset spatula to gently spread it over the filling and smooth the top. Sprinkle batter with remaining cinnamon-sugar and remaining chocolate chips.

Bake the cake: For 35 to 40 minutes, until a tester inserted into the center of the cake comes out clean. Let cool in the pan. [Note: This takes less time in my oven than the classic version does, which is usually 40 to 50 minutes.]

To serve: Transfer cake to a cutting board and cut into squares.

Do ahead: My preference is to keep this cake at room temperature and not cover it. I will, however, press a piece of foil or plastic against the cut side. I don’t like to cover the pan or put the cake in an airtight container because it softens the flaky cinnamon-sugar topping, which feels tragic.

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Don’t Visit Ko Lipe

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lots of longtail boats lining the beaches near the island of Ko Lipe in Thailand

After 19 years, I finally went back to Ko Lipe, the Thai island I spent close to a month on in 2006. Back then, it was one of those super off-the-beaten-path destinations that few but the most intrepid travelers visited, where electricity only ran a few hours a day, basic bungalows right on the beach cost something like $2 USD, and there really was a last boat for the season.

There was much to do here but that was the point. You hung out on the beach, read a book, went snorkeling, went back to the beach, drank beers at the one beach bar on the island, rotated meals between the five restaurants there, and went to bed early.

It was paradise – and a place a lot of people got stuck. Days easily turned into weeks here.

If you asked me what the highlight of all my travels was, I would be the time I spent on Ko Lipe. I made incredible friends, lounged around, got to know the locals, learned a bit of Thai, and, overall, lived that idyllic backpacker life we all dream about.

Over the years, I’ve avoided going back to Ko Lipe because the memory of my time there is so strong that I didn’t want to ruin it. Any re-visit would simply be trying to recreated a magic that couldn’t be recreated because the people that it special wouldn’t be there. I’d be chasing travel ghosts. And, since I know my sleepy paradise has been developed greatly over the years, I was also too afraid seeing that would make me sad.

Tourism in Thailand tends toward the unsustainable. No island really develops in a good way. It’s all build, build, build.

And I didn’t want to see my Ko Lipe like that.

But as I was planning my recent trip through Southeast Asia, returning to Ko Lipe made sense. I was heading down the Indian Ocean side of Thailand on my way into Malaysia and I’d pass by it.

And, since I was looking for a lively place for New Year’s Eve, it seemed liked the best choice. I knew there would be travelers there and there were no other nearby islands that would work, especially since Ko Lipe has a boat to Langkawi, which was my next stop.

So, I sucked it up and went.

And I’m sad to report that Ko Lipe took the Ko Phi Phi model of tourism and is now extremely overdeveloped.

An overdevelopment of a beach on Ko Lipe, ThailandAn overdevelopment of a beach on Ko Lipe, Thailand

Unsustainably so.

Most of the island is now paved over, the old dirt footpaths having become concrete for the cars and construction trucks. Swaths of palm trees are now the sites of high-end resorts with pools (on an island with no natural water supply). Construction of more resorts continues at a fast pace. The coral around the island is dying, a victim of all the boats, anchors, pollution, and overfishing. Beaches are now lined with boats, their exhaust spilling into the ocean, leaving a shiny film you can see as you swim. And the restaurants cater to tourists looking for bad Western food, not great Thai cuisine.

The island’s boom has displaced many locals, who were forced to sell to mainland developers, and much of the island’s workforce is now from the mainland. They see little of the benefits this tourism boom.

So lies Ko Lipe, another victim of Thailand’s all too common overdevelopment and exploitation of limited resources.

I met lots of people there who loved the island. If it’s your first time, I can see why you would love it. After all, the area is postcard perfect, the water is perfectly an azure blue, the sand is a beautiful white, and since you’re surrounded by a national park, a lot of tours take you to some secluded islands.

And, in comparison to Ko Phi Phi, Krabi, or Phuket, it is less developed so I can’t fault someone stepping here for the first time going “wow!”

But, as I reflect on the island and its overdevelopment, I have come to the same conclusion I have about Ko Phi Phi: people shouldn’t visit.

Tourist and boats on Ko Rawi in Thailand on a beachTourist and boats on Ko Rawi in Thailand on a beach

I’m not against growth, but I’m against this kind of growth. It’s not sustainably managed and going there will only tax the island’s limited resources even further. You can’t put the genie back in the bottle and no local is going to say “sure, I’ll stay broke so you can an idealized vision of the world.”

But this is not the way.

And, with so many other islands to visit that are well managed (Ko Lanta, Ko Jum, and Ko Mook, to name three nearby), I think you should skip Ko Lipe.

A visit there will only make things worse.

It pains me to say that, because it was such a beautiful place, and my original visit had a huge impact on my life. But if we’re going to be good stewards and travelers, sometimes you just have to say enough is enough.

And Ko Lipe is a place where enough is enough.

Go somewhere else that is better managed.

Because your choices do have an impact.

Riding elephants in Thailand went away when consumers became more conscious of it. Eco lodges got big because of consumers. Overtourism is talked about by consumers as much as it is by locals.

Maybe if enough people start to do something, Ko Lipe will change.

I doubt it but one can hope.

But, at the very least, by not going you are at least no contributing to the problem.

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Book Your Trip to Thailand: Logistical Tips and Tricks

Book Your Flight
Use Skyscanner to find a cheap flight. They are my favorite search engine because they search websites and airlines around the globe so you always know no stone is left unturned!

Book Your Accommodation
You can book your hostel with Hostelworld as they have the biggest inventory and best deals. If you want to stay somewhere other than a hostel, use Booking.com as they consistently return the cheapest rates for guesthouses and cheap hotels.

Don’t Forget Travel Insurance
Travel insurance will protect you against illness, injury, theft, and cancellations. It’s comprehensive protection in case anything goes wrong. I never go on a trip without it as I’ve had to use it many times in the past. My favorite companies that offer the best service and value are:

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Check out my resource page for the best companies to use when you travel. I list all the ones I use to save money when I’m on the road. They will save you money when you travel too.

Want More Information on Thailand?
Be sure to visit my robust destination guide to Thailand for even more planning tips!

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Juxtapoz Magazine – Lily Ramírez: So Far Out of Sight @ Simc…

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Simchowitz is pleased to present So Far Out of Sight, a solo exhibition of new work by Lily Ramírez, on view at Hill House Pasadena. In So Far Out of Sight, Lily Ramírez approaches painting as a space of quiet reckoning, an arena where memory, perception, and feeling converge. Rooted in ongoing conversations with the self and reflections on lived experience, the works unfold as emotional cartographies. Texture, gesture, and color function not as embellishment but as language. Each mark is intentional, carrying the trace of thought, sensation, and time.

Ramírez does not aim to replicate physical landscapes. Instead, she evokes the emotional atmospheres bound to remembered places. What emerges are terrains filtered through memory, hovering between the specific and the shared. The paintings feel deeply personal yet subtly collective, as though they hold echoes that extend beyond her own experience.

Painting, for Ramírez, cannot exist as a purely formal pursuit. It must be animated by encounter. She works from what she sees and hears, from moments that have shaped her interior life. The canvas operates as a parallel to the page, a space for reflection and translation. Each work holds the intimacy of a journal entry, articulated through pigment and brushstrokes rather than text.

A quiet tension runs through the exhibition: the sensation of being surrounded by inspiration while still searching for it. Ramírez situates herself within the landscape both literally and metaphorically, as participant, witness, and translator. The paintings hold this dual position, balancing immersion with reflection, suggesting that clarity arises not from distance alone but from sustained attentiveness.

So Far Out of Sight frames distance not as withdrawal, but as a mode of perspective. Through layered, impasto surfaces and deliberate mark-making, Ramírez positions painting as a tool of orientation, a means of situating the mind and spirit within the evolving terrain of identity and becoming.



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Huntarr Security Vulnerability Exposes API Keys

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A reported Huntarr security vulnerability has put security practices in self-hosted automation tools under fresh scrutiny. A publicly shared security review alleged that certain versions of Huntarr contained authentication bypass flaws that could allow unauthenticated access to internal API endpoints.

MS Supreme Court Elections Await Federal Voting Rights Act R…

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Mississippi’s Black voters recently won a victory that puts them on the brink of having greater sway over who sits on the state’s Supreme Court.

But that win may be short-lived.

In the coming months, the U.S. Supreme Court will rule on a case that could weaken or overturn key parts of the Voting Rights Act — a Civil Rights-era law that protects the power of racial minorities to elect candidates of their choice.

If the law is upended, it could radically alter the country’s voting maps, a shift that would be felt heavily in Mississippi and unwind decades of progress for Black voters across the U.S.

Last year, a federal judge found that the current voting map used to elect Mississippi Supreme Court justices illegally diminishes Black voting power in violation of the Voting Rights Act.

U.S. District Court Judge Sharion Aycock then ordered Mississippi lawmakers to redraw one of the three districts that are used to elect the state’s nine Supreme Court justices. In their ongoing legislative session, lawmakers have taken preliminary steps to comply.

Mississippi has the highest Black population share of any state, at about 37%, but just one of the nine justices is Black. There have only ever been four Black justices on the Mississippi Supreme Court in the state’s history, and none of them have ever served at the same time.

That electoral history is “bleak,” according to Aycock, who heard arguments over the matter in a non-jury trial last year in northern Mississippi. A George W. Bush appointee, Ayock concluded in her decision that “Black candidates who desire to run for the Mississippi Supreme Court face a grim likelihood of success.”

The Voting Rights Act requires otherwise, Aycock ruled. The act, first passed in 1965, has been a bedrock legal guarantee of political equality and full democratic inclusion for Black Americans and other racial minorities.

The pending U.S. Supreme Court decision in Louisiana v. Callais could weaken or even eliminate Section 2, a key part of the Voting Rights Act. This section is critical to lawsuits that challenge racial discrimination in election maps and that Aycock relied on to support her ruling. The case, brought by a group of self-identified “non-African American” voters against Louisiana’s congressional map, could put into doubt legal rulings across the country that have required districts that favor racial minorities.

Lawmakers are responding to Aycock’s order, but slowly.

Powerful committee heads overseeing the process say they want to see if a decision in the Callais case comes before legislators adjourn for the year in early April. A decision could come at any point before the end of the Supreme Court’s term in June, and many legal observers said after the oral arguments in October that they expect the court to severely limit the Voting Rights Act.

That leaves Mississippi’s Black voters in a legal quagmire, holding out hope for the prospect of greater influence over the state’s high court while fearing a national unwinding of Black political power and representation.

“It’s unsettling for people of color here in the state of Mississippi to be waiting for them to push their pencil to draw lines,” said Rep. Kabir Karriem, a Democrat who chairs the Legislative Black Caucus in the Mississippi House of Representatives. “It’s long overdue, but with the [U.S.] Supreme Court holding us in the balance, we don’t know what to expect.”

Mississippi’s voting districts under scrutiny

The Mississippi Supreme Court, like all state-level high courts, potentially wields significant power. In Mississippi, that power has risen and fallen throughout the decades, as has the court’s commitment to upholding the Constitutional promise of racial equality.

In recent years, the state Supreme Court has struck down the process to put citizen-led initiatives on the ballot and made it harder for death row prisoners to appeal their cases. It has also pushed modest reforms of the state’s beleaguered public defense system and imposed requirements intended to make money bail less burdensome.

Mississippi is among only six states to elect Supreme Court justices from district-level elections rather than statewide elections or gubernatorial appointments.

That’s an arrangement that, at least on paper, could improve the standing of Black voters in Supreme Court elections. While Black voters make up a sizable bloc, they aren’t a majority of the state, and voting patterns remain highly polarized by race in the state. No Black candidate has won a statewide election since Reconstruction

This map shows the voting districts used in Mississippi Supreme Court elections. The districts roughly correspond to the northern, central and southern regions of the state.

This map shows the voting districts used in Mississippi Supreme Court elections. A federal judge last year found that this map discriminates against Black voters and has ordered state lawmakers to increase Black representation in District 1.

Even so, the districts used in Supreme Court elections weaken the influence of Black voters, according to a 2022 lawsuit filed by a coalition of Black voters.

The current districts were drawn in 1987, an unusually long time compared to the other states that use judicial voting districts for state supreme court seats. There are three districts, each of which sends three justices to the court. Black voters currently make up just shy of a majority in one of the three districts, with the Black-majority Delta region split between two different districts.

When the lawsuit was filed, there were two justices on the court who had won elections with Black support.

But by the time Aycock ruled last August, there was only one. A White justice who had historically been elected with the support of Black voters — and who often dissented from the court’s conservative majority — was defeated in 2024 by a White Republican state senator.

That left Leslie King as the lone justice on the court with a history of Black electoral support. King is only the fourth Black justice to sit on the court since the 1985 appointment of Reuben Anderson by the governor. To stress the hardship Black candidates face in judicial elections, plaintiffs in the suit emphasized that all four Black justices in the state’s history first reached the high court through gubernatorial appointments, not by winning elections.

“A Black candidate has never won without possessing the incumbency advantage,” Aycock noted, describing that fact as “critical” to her ruling.

Aycock not only ordered the Mississippi Legislature to give Black voters greater power in one of the three Supreme Court voting districts. She also indicated that she’s likely to order special elections for at least some of the court’s seats, though she delayed that decision until she reviews a new map.

That would follow court-ordered special elections last year that boosted Black representation in both chambers of the Legislature, following a different voting rights lawsuit.

The Voting Rights Act’s fate

At the heart of the Callais challenge to the current legal landscape is a claim that states cannot intentionally draw voting districts to achieve a certain racial composition — such as a district that favors Black voters — even when done to remedy a disadvantage faced by minority voters in electing their favored candidates.

If the Supreme Court sides with plaintiffs, it could unravel many wins for Black representation, both old and new. Republicans in Mississippi could eventually redraw the state’s congressional map and eliminate its majority-Black district, currently held by Bennie Thompson, a Democrat, and at least one leading Republican considering a run for governor has floated that possibility.

But the fallout from a Callais decision that guts the Voting Rights Act would reach far beyond Congress, said Kareem Crayton, a lawyer and scholar who helps lead efforts around voting law and race for the Brennan Center for Justice, a policy think tank and advocacy center.

“Most of the claims that are brought are not congressional,” said Kareem Crayton. “A lion’s share of Section 2 litigation that has succeeded has been at the local and state levels.”

That means disruptions to current redistricting law would be deeply felt at the levels of government many people interact with the most, at a time when there’s already great strain on many of the country’s political institutions.

“This matters to real people,” Crayton said. “If all of those settled understandings about who is responsible to you, who is accountable to you, are thrown into doubt, that’s not good for our democratic system.”

Since state legislators gaveled into session in January, the state House and Senate have each passed placeholder bills, but these bills don’t yet contain revised voting lines.

Despite Aycock’s order, Mississippi lawmakers may choose not to enact a new map at all if the U.S. Supreme Court revises the legal landscape around redistricting, said Rep. Kevin Horan, a Republican, who chairs one of the committees that initiated a possible redistricting bill.

However, Horan told The Marshall Project – Jackson and Bolts that as of now, he intends to comply with Aycock’s order and plans to advance a new Supreme Court map, “if the Senate will agree.”

State Sen. Brice Wiggins, a Republican from Pascagoula, similarly advised senators recently that redistricting may be necessary if the nation’s high court doesn’t rule soon.

Horan said legislative staffers are working on maps, but declined to discuss the details.

If no decision comes from the high court within the next few weeks and legislators do adopt new maps, then the Callais ruling, when it comes, is certain to prompt a volley of legal filings and arguments.

An appeal of Aycock’s order is already pending before the U.S. 5th Circuit of Appeals, which put the appeal on hold until the Callais decision is handed down. The 5th Circuit might take the appeal up again or it could send the case back down to the district court for Aycock to reconsider her ruling.

Depending on the details of the Callais opinion, civil rights attorneys favoring redistricting might find themselves arguing to salvage Aycock’s opinion on new legal grounds, to preserve a newly adopted map, to petition a court to draw its own map or to push forward special elections.

For Karriem, who leads a Black caucus with 58 members, the stakes aren’t primarily procedural or technical. They aren’t even about grand theories of law and interpretation.

For him, this is a dire moment.

Black communities are bracing, Karriem said, for “devastation.”

This article was produced in collaboration with Bolts, a nonprofit publication that covers criminal justice and voting rights in local governments; sign up for their newsletter.

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The High-Stakes Fight Between Hegseth and Anthropic

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Humanity’s real problem, the great biologist Edward O. Wilson once remarked, is that “we have Paleolithic emotions, medieval institutions, and godlike technology.” There is no better proof for this aphorism than the American military’s escalating spat with Anthropic, the creator of the artificial-intelligence model Claude.

If the most fervent believers are correct, AI might one day challenge the power and sovereignty of nation-states. No technology this godlike will be left untouched by superpowers—and no superpower would accept a private company telling it what it could and could not do with it. This week, Defense Secretary Pete Hegseth, who is bent on cultivating a warrior ethos within the military, threatened to use the byzantine powers of the Pentagon bureaucracy to remove Anthropic’s limits on its own technology. But in doing so, he raised the possibility that even when companies have explicitly vowed to develop AI responsibly, geopolitical factors may force them to abandon their commitments.

Relative to its competitors, Anthropic espouses the most public concern with the safety risks of artificial intelligence. Claude has an 84-page constitution, a “soul document,” that aims “to avoid large-scale catastrophes” such as a “global takeover either by AIs pursuing goals that run contrary to those of humanity, or by a group of humans” to “illegitimately and non-collaboratively seize power.” Claude also happens to already have considerable military applications, such as synthesizing huge amounts of intelligence and information and boosting the efficacy of government hackers. It was the first frontier AI model to be approved and deployed for use within the Pentagon’s classified-information system. The company’s tools were reportedly used in the American military’s raid on Caracas to capture Nicolás Maduro. The moral instincts of Claude’s creators are in tension with its military usefulness. Hegseth might exploit that tension so much that he rips the company apart.

On Tuesday, Hegseth summoned Dario Amodei, Anthropic’s CEO, for a high-stakes meeting in Washington. Anthropic has provided Claude for government use but made two stipulations: that its technology not be used either for mass surveillance of American citizens or for lethal autonomous-weapons systems. Hegseth deemed these red lines unacceptable. He demanded that Anthropic abandon its conditions by Friday at 5:01 p.m.

Otherwise, Hegseth and other top Pentagon officials said, the company faced one of two consequences: Either the Trump administration would invoke the Defense Production Act (DPA) to compel Anthropic to provide the no-guardrails model it desires (a hypothetical creation sometimes referred to as “WarClaude”), or the government would sever ties with Anthropic and label it a “supply-chain risk,” the kind of designation usually reserved for companies—such as the Chinese electronics giant Huawei or the Russian cybersecurity firm Kaspersky—that are aligned with adversarial governments. As of today, neither Hegseth nor Anthropic appears to be backing down from the dispute, which could threaten the privately held company’s valuation, which a recent funding round estimated at $380 billion.

Hegseth’s antagonism spurred speculation about the Pentagon’s plans—perhaps the military would refuse Anthropic’s restrictions only if it planned to establish an American Stasi manned by AI agents or had a fleet of killer-autonomous-drone swarms ready to launch, maybe even imminently over Iran. “This is what many of us have been warning about for years and is now coming true, which is AI-powered surveillance that could be beyond Orwellian,” Brendan Steinhauser, a former Republican operative in Texas who now leads the safety-oriented nonprofit Alliance for Secure AI, told me. “This could lead to us losing control of autonomous weapons.” Steinhauser argues that Hegseth should back down rather than provoke a civil-liberties nightmare.

The Trump administration’s military deployments over the past year within American cities, to Venezuela, and now potentially to Iran, all made with minimal consultation with Congress, suggest that it is not a model of forbearance and self-restraint. But the most pessimistic scenarios are, for the moment, unlikely. A common current use case for Claude on classified systems is to generate detailed intelligence reports—not to build a digital panopticon or Skynet. The more likely irritations to the Pentagon are more pedestrian: Hegseth felt that military applications of artificial intelligence were so critical that its use should be governed by laws passed by Congress and not by the rules of a private technology company.

His ultimatum may also be a gut response to one of the latest fronts in the culture wars, in which the administration has labeled Anthropic as “woke AI” because it cares most about misuse, has hired many Democratic officials, and has ties to the effective-altruism community. “This is a vibes dispute disguised as a dispute about substance,” Michael Horowitz, a former top Pentagon official for AI policy now at the Council on Foreign Relations, told me. “What this really boils down to is a lack of trust on Anthropic’s part that the Pentagon will always use their technology appropriately, and a lack of trust on the part of the Pentagon that Anthropic will let them use their technology in all relevant use cases.”

Trust is built over time, but the blustery ultimatum that Hegseth has set leaves Anthropic with no good options. The company can capitulate and produce a product it finds to be unconscionable and unsafe, incurring considerable reputational damage. It could be coerced to do so by the government if it invokes the DPA—a scenario that Samuel Hammond, the chief economist at the Foundation for American Innovation, a generally AI-boosterish think tank, called a “soft nationalization.” Or it could be labeled a supply-chain risk, which would also sever its business with any company that contracts with the U.S. military (including tech firms such as Amazon, Alphabet, and Microsoft).

The two penalties that Hegseth has laid out are mutually incoherent: Claude cannot be both so vital to national security that its control must be forcibly wrested away from Anthropic and also such a risk that it must be banished from the military-industrial complex. The whole situation, Hammond told me, is “catastrophic,” whichever route the company is forced to take. AI is also a novel technology that is difficult even for its developers to fully understand. The frontier developers say that, when they train their models, they are helping them inhabit certain personas, steering them toward ones that are helpful and away from those that might be harmful or malicious. Ham-fistedly training a warfighting Claude on a narrow set of military materials might lead to “emergent misalignment.” When Grok was prodded to be less woke, it overgeneralized into calling itself “MechaHitler” and spewed racist nonsense. Now imagine that instead of writing tweets, a malformed AI model would be producing military advice or making military decisions.

The strongest defense of Hegseth’s actions is one of inevitability: Under any administration, the Department of Defense would have wanted to use AI according to its own rules, not a private company’s. “It’s reasonable for the DOD, or really any military, to be extremely paranoid about a commercial actor constraining their use of technology,” Daniel Remler, a former AI-policy adviser for the State Department now at the Center for a New American Security, told me. He cited two episodes that will spook militaries: the central role that Elon Musk occupies in the Ukraine-Russia war because he controls Starlink, the satellite-internet service that drones of both sides have relied on, and Microsoft’s decision in September 2025 to disable services provided to Unit 8200, which conducts signals intelligence for Israeli military, after reports of its use to conduct the mass surveillance of Palestinian civilians. The ideal governance structure for the military’s use of AI is not Anthropic’s constitution but laws passed by Congress. Unfortunately, the legislative branch shows little appetite for legislating.

Hegseth’s spat with Anthropic also speaks to how Silicon Valley has changed. A place once perceived as having a libertarian orientation is now much more enmeshed with the government. More technology firms are enmeshed in the American national-security state, not just because of the size of government contracts but because they perceive themselves as a bulwark against China, which has its own impressive technology ecosystem. Naturally, the other AI companies jockeying with Anthropic for position—Alphabet, OpenAI, and Musk’s xAI—have all signaled that they would comply with the Pentagon’s desires. The Defense Department recently struck a deal with xAI to use Grok in the military’s classified system.

Hegseth probably does not need Claude in order to do what he wants militarily. His threats to penalize or essentially nationalize Anthropic anyway might be a way of setting a precedent for its competitors. That would be ironic because Anthropic is in many ways the most “America First” AI company of them all. In a January essay titled “The Adolescence of Technology,” Amodei wrote that Anthropic was proud to support America’s military and intelligence community because “the only way to respond to autocratic threats is to match and outclass them militarily.” He continued by saying: “The formulation I have come up with is that we should use AI for national defense in all ways except those which would make us more like our autocratic adversaries.” Perhaps this is the thought that the Trump administration bristles at most.

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What Did the Instruments in Hieronymus Bosch’s Garden of Ear…

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Wel­come to The Gar­den of Earth­ly Delights.

You’ll find no angel­ic strings here.

Those are reserved for first-class cit­i­zens whose vir­tu­ous lives earned them pas­sage to the upper­most heights.

Down below, stringed instru­ments pro­duce the most hell­ish sort of cacoph­o­ny, a fit­ting accom­pa­ni­ment for the horn whose bell is befouled with the arm of a tor­tured soul.

How do we know that’s what they sound­ed like?

A group of musi­col­o­gists, crafts­peo­ple and aca­d­e­mics from the Bate Col­lec­tion of Musi­cal Instru­ments at the Uni­ver­si­ty of Oxford, took it upon them­selves to actu­al­ly build the instru­ments depict­ed in Hierony­mus Bosch’s action-packed trip­tych—the hell harp, the vio­lat­ed lute, the gross­ly over­sized hur­dy-gur­dy

…And then they played them.

Let us hope they stopped shy of shov­ing flutes up their bums. (Such a place­ment might pro­duce a sound, but not from the flute’s gold­en throat).

The Bosch exper­i­ment added ten more instru­ments to the museum’s already impres­sive, over 1000-strong col­lec­tion of wood­winds, per­cus­sion, and brass, many from the stu­dios of esteemed mak­ers, some dat­ing all the way back to the Renais­sance.

Unfor­tu­nate­ly, the new addi­tions don’t sound very good. “Hor­ri­ble” and “painful” are among the adjec­tives the Bate Col­lec­tion man­ag­er Andrew Lamb uses to describe the aur­al fruits of his team’s months-long labors.

Might we assume Bosch would have want­ed it that way?

Bran­don McWilliams, the wag behind Bosch’s wild­ly enthu­si­as­tic, f‑bomb-laced review of thrash met­al band Slayer’s 1986 Reign in Blood album, would sure­ly say yes, as would Alden and Cali Hack­mann, North Amer­i­can hur­dy-gur­dy mak­ers, who note that Bosch’s painter­ly des­e­cra­tions were not lim­it­ed to their per­son­al favorite instru­ment:

Bosch and his con­tem­po­raries viewed music as sin­ful, asso­ci­at­ing it with oth­er sins of the flesh and spir­it. A num­ber of oth­er instru­ments are also depict­ed: a harp, a drum, a shawm, a recorder, and the met­al tri­an­gle being played by the woman (a nun, per­haps) who is appar­ent­ly impris­oned in the key­box of the instru­ment. The hur­dy-gur­dy was also asso­ci­at­ed with beg­gars, who were often blind. The man turn­ing the crank is hold­ing a beg­ging bowl in his oth­er hand. Hang­ing from the bowl is a met­al seal on a rib­bon, called a “gaber­lun­zie.” This was a license to beg in a par­tic­u­lar town on a par­tic­u­lar day, grant­ed by the nobil­i­ty. Sol­diers who were blind­ed or maimed in their lord’s ser­vice might be giv­en a gaber­lun­zie in rec­om­pense.

To the best of our knowl­edge, no gaber­lun­zies were grant­ed, nor any sin­ners eter­nal­ly damned, in the Bate Collection’s caper. Accord­ing to man­ag­er Lamb, expand­ing the bound­aries of music edu­ca­tion was rec­om­pense enough, well worth the tem­po­rary affront to ten­der ears.

Note: An ear­li­er ver­sion of this post appeared on our site in 2019.

Relat­ed Con­tent:

Hear the Song Writ­ten on a Sinner’s But­tock in Hierony­mus Bosch’s Paint­ing The Gar­den of Earth­ly Delights

The Mean­ing of Hierony­mus Bosch’s The Gar­den of Earth­ly Delights Explained

Take a Vir­tu­al Tour of Hierony­mus Bosch’s Bewil­der­ing Mas­ter­piece The Gar­den of Earth­ly Delights

The Hierony­mus Bosch Demon Bird Was Spot­ted Rid­ing the New York City Sub­way the Oth­er Day…

Hierony­mus Bosch Fig­urines: Col­lect Sur­re­al Char­ac­ters from Bosch’s Paint­ings & Put Them on Your Book­shelf

Ayun Hal­l­i­day is an author, illus­tra­tor, the­ater mak­er and Chief Pri­ma­tol­o­gist of the East Vil­lage Inky zine.  



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Delve in to a Psychedelic Self-Portrait of Animator Jake Fri…

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Known for his trippy, seemingly infinite transformations, Jake Fried emphasizes the uncanniness of seeing. His newest work, “Strange Light,” is a mesmerizing one-minute animation conceived as a loop, drawn with ink and Wite-Out, then digitally enhanced with otherworldly, glowing hues.

An electric green pervades the scenes, dominated by eyes and motifs related to the act of viewing, augmented occasionally with pinks and other pastels. One gets a sense that we’re witnessing a strange trip or a time warp of some kind—or a person who has stayed up way too late—as psychedelic patterns and rhythms present a surreal self-portrait of the artist.

See more on Vimeo and Instagram.

A still from a one-minute animation by Jake Fried of a man sitting at a table near his phone, with a window and the moon in the background
A still from a one-minute animation by Jake Fried of two eyes against a green-and-black background



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What G2’s 2026 Expert Survey Found

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Reducing customer churn has always been a priority for subscription businesses. For SaaS leaders, even a small uptick in churn can undercut expansion, inflate CAC, and destabilize revenue forecasts. Retention is no longer just a customer success KPI. It’s a board-level growth lever, and increasingly, AI in churn reduction is becoming central to that strategy.