Insurance carriers are writing the rules of AI governance before legislators finish debating them. This working paper proposes a five-tier model that maps where organizations fall on the spectrum from excluded to insurable, identifies the actuarial gap at the center of the emerging practice, and documents the carrier evidence, regulatory signals, and market products that are forcing the distinction between governed and ungoverned AI into the open.
Working Papers
Overwatch: Cognitive Monitoring Shield for GOPEL
A working paper documents the proof of concept for a cognitive monitoring shield that sits outside the enforcement layer it protects. The architecture answers a specific problem: how do you watch a deterministic governance engine for cognitive threats it cannot evaluate by design? Read the full design, the 2026 threat landscape that drove development, the trajectory gatekeeper for semantic manipulation, and the v2.4 calibration loop that converges rather than oscillates.
How Credentialed Professionals Shape Policy When Method Governance Is Stripped
When the same cognitive neuroscientist gave the Senate one position and a podcast six days earlier the opposite, the cognitive research base supports neither. The viral oral testimony has more than two million views. Missouri HB 2230 passed the House 143-10 with witnesses citing it by name. KOSMA at the federal level is being built on this evidentiary record. This 39-page case study sets four artifacts side by side and documents how strategic ambiguity in credentialed testimony reaches policy without ever being reconciled.
The AI Cognitive Decline Narrative Has Not Tested What It Claims
The peer-reviewed evidence base does not yet support the cognitive-decline claim, and it does not yet support the opposite claim either. Two scientific questions remain open: whether structured human-governed AI use accelerates cognitive development, and what augmented intelligence is in practice. This methodological audit specifies the standards the field would have to meet, scores the existing evidence against those standards, and offers HAIA-RECCLIN Reasoning, HEQ with AIS, and a five-arm randomized controlled trial design as testable counter-proposals.
FIVE CONDITIONS OF SENTIENT LIFE
What separates sentient life from sophisticated mimicry? A new working paper proposes five conditions that together constitute morally significant sentient life. Read why no current AI system satisfies all five simultaneously, and what would have to change for that conclusion to be revised.