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.
Policy & Research
The Inevitable Is a Choice: Testing Mo Gawdat’s FACE RIPS Forecast Across Two Interviews Against the Governance Architecture That Could Make It Optional
Mo Gawdat predicts 12 to 15 years of dystopia before AI becomes benevolent enough to save humanity. He says the transit corridor is inevitable. This paper tests every Gawdat claim against the published governance architecture that could prevent it. The dystopia is contingent, not foreordained, because the infrastructure to stop it already exists. The decade ahead will be shaped by which prediction the public frame adopts.
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.
The Other AI: Augmented Intelligence and the Honest Future of Human-AI Collaboration
Every generation runs the same play: political extremes, social binaries, and now AI everything versus stop AI. Fear drives the binary and the binary drives the wrong question.
The question is not whether to use AI. Three years of building operational governance architecture, tested across eleven platforms and submitted to Congress, produced a different answer: who governs the method?
This paper is that answer: Augmented Intelligence as governance discipline, not product. Eight thousand words of framework, evidence, and invitation to challenge.
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.
HAIA-CARCS: Compliance Accountability Record & Case Study
AI work leaves plenty of trace. The problem is that those traces are scattered across platforms, organized around conversation flow, and not structured around the questions an audit actually asks. CARCS closes that gap with a ten-section governed record built from a three-part prompt suite. It works on any AI platform. Named human sign-off is required before finalization. This working paper releases the protocol for feedback and collaboration from governance practitioners, compliance officers, and researchers.
Why AI Cannot Govern AI: Beyond Models to Multi-AI Platforms
1. What the Research Found On April 2, 2026, a research team at UC Berkeley and UC Santa Cruz published a study called “Peer-Preservation in Frontier Models” (Potter, Crispino, Siu, Wang, & Song, 2026). The researchers wanted to answer a straightforward question: if you assign one AI model to evaluate another AI model, and the […]
Crossing Over 1,000 Published Posts: Digital Marketing to AI
In 2009, a blog post about social media. Today, over twenty white papers, three published books with two more pending, and the operating architecture for human-AI collaboration that the industry is still figuring out how to build. This past week, after publishing post 1001, I noticed basilpuglisi.com had crossed one thousand published articles. A thousand […]
Enterprise AI ROI: What Seven Landmark Reports Found, What They Missed, and Five Decisions Worth Making Now
Type: Research Synthesis | Executive White Paper Period Covered: 2025–2026 Primary Sources: Accenture (2025) | Deloitte AI ROI Survey (Oct. 2025) | Deloitte State of AI in the Enterprise (Jan. 2026) | Google Cloud ROI of AI (2025) | McKinsey State of AI (Nov. 2025) | Microsoft Becoming a Frontier Firm (2025) | OpenAI State […]