Not a single apple remains on the four apple trees (or on the ground) in my back yard (well really 2 crab apple trees and 2 other apple trees (see Two Apple Sticks - yellow transparent semi-dwarf and golden delicious dwarf). So who are the culprits - deer, dog or ...... squirrel? The picture below incriminates the squirrel along with some videos that I have of the branches shaking with no wind present. But you have to look carefully - he is feasting on an apple underneath the golden delicious dwarf tree!
Saturday, June 20, 2026
Friday, June 19, 2026
Trust but Verify
Find people that can make you laugh and enjoy their company. P.N. called today and we exchanged jokes, teasing and wit. When he asked me what I thought about the MOU with Iran, I hedged by stating that with 47 years of distrust how can anything on paper be certain.
P.N. agreed and said one of his friends felt the Iran war was like a marriage - no rules :)
I added to the humor reflecting how so many marriages involve cheating also. Most marriages also have a mutually assured destruction capability - the red button nuclear option. We all know which button to push at anytime.
Attempting a shot at positivity, we both agreed that a best practice in any marriage is "trust but verify". That is probably the best chance at a peaceful resolution of this conflict.
Thursday, June 18, 2026
I Don't Know
As an Accenture Alumni, I watch the stock carefully and even listen to the earnings calls with great interest. Sadly today the stock dropped 18% and year to date cut in half (actually >50%). The market is punishing Accenture's lower bookings, revenue below mid-point guidance and general pessimism for this sector based on AI expectations.
Today in the Vistage Alumni (we call it Vistage Vets) monthly meeting, K.W. stated that AI hallucinates about 30% of the time. When I asked Copilot today it cites studies saying 60% incorrect answers on some news citation queries, 17-34 % in legal research tools, and up to 31% in real-world interactions, rising to approximately 60% in complex domains. K.W seems to be correct!
So how does this get corrected and will it take Accenture expertise and digital data cleansing tools or does recursive self improvement just naturally improve this bad batting average? Copilot weighed in on that question also;
✅ Bottom line
- Consulting-scale engineering (like Accenture): necessary for real-world reliability
- Recursive self-improvement: helpful but limited
- True solution: a layered system combining
- better models
- grounding mechanisms
- verification processes
- human oversight
Wednesday, June 17, 2026
For Give - Fore Gift
"The mind repeats what the heart can't delete" was the comment of B.S. this morning in our beginning study of "Choosing Forgiveness" by Fr. Thomas Berg and Dr. Timothy Lock. A.S. did a great job of facilitating and mentioned another book that would be worthy of reading "Forgive Everyone Everything" by Greg Boyle.
Our Wed. 7:15BC group will explore the "bondage of unforgiveness" and "the pathway to healing, peace, and interior freedom. The first two chapters of this book has created deep and meaningful discussions about shame and blame; apologies fake or real; justice or not; remember or forget; let go or hold on;
My insight was around the "gray areas of truth". In many hurting circumstances --- There is my story, There is your story and then There is the real (true) story. Especially those difficult spousal interactions with stressful emotional interactions that seem stuck in a dead end. How to get "unstuck"? That's the toughest part of forgiveness. Who goes first?
Maybe the act of going first is practicing God's gift of grace. It takes a fore gift to forgive.
Tuesday, June 16, 2026
DYI Tax Downsides
Woke up this morning at 4:20am with inability to get back to sleep. I'm usually a sound sleeper so I wondered why as I lay awake.
It was the conversation with A.C. last night over dinner. I was talking about the character (or learned behavior) of audit reconciliation and that the "new Garen" can let go of things like a tax refund computed by the government that is different from my expectation and what I filed. Both Ohio and Federal Tax Refunds were "slightly off". A.C. at age 92 said he still can't do that ..... and as my mentor and teacher it sunk in.... I can't really do that either.
Susan as an accomplished accountant has no problem with the concept of materiality and practical time allocation on reconciliation (when it is needed and when it is not). She would not have given this marginal difference a second thought regardless of whether in our favor or not.
BUT... the complete training I received at Arthur Andersen/Andersen Consulting/Accenture in system test results and 10 column accounting totals kicked in again - this time at 4:20 am.
After 4 hours of digging and finding letters from IRS and State of Ohio the difference could was reconciled. The government calculation was correct! A $49 difference was accounted for. My mind could now be at peace.
The real culprit is the fact that I just continue to DYI my own taxes. Luckily those taxes are becoming easier to understand and input into Turbo Tax but with diminishing returns of accuracy as I age.
Monday, June 15, 2026
P Cubed
A.C. drove down from Michigan to attend the Accenture Alumni Partner Lunch now traditionally at Trios. A.C. was actually the genesis of the tradition back in 2001 when he suggested (or maybe assigne me) that we all meet monthly for lunch now that we were all ex Partners. It was just another example of how A.C. focused on people and culture which is likely why the Cincinnati Alumni get together every year on the Thursday following Thanksgiving for an Alumni Reunion.
With two Partners now gone (B.W. and J.R.) we had the usual P.G. G.M P.E. K,D. and myself to reminise about the early days of Accenture and to compare and contrast the cultures of the Cincinnati Office vs Columbus and Cleveland (the days of the All Ohio Practice).
Coincidentally, my suggested next topic for the Vistage Alumi meeting this Thursday is mentors in our lives and clearly A.C. was instrumental mentor to me.
I have many many A.C. stories and pearls of wisdom and have blogged about them before - B players, On the Backs of "Bs" , Bad News Ages Fast , Silent Lie , If Only I Had ... . But today his 92 years of wisdom had not ceased. A.C. mentioned when he talks to high school classes, he stresses "P cubed" - Priorities, Passion and People.
That pearl of wisdom is easy to remember, but harder to practice.
Thank you A.C. for putting the "P cubed" into me!
Friday, June 12, 2026
AI Hallucination Wars
In the Wed 7:15 BC bible study we discussed two of the Parousia Parables in Matthew 25, I pondered why there were no sermons by Tim Keller focused on those parables.
When I asked this question of Copilot, it (I guess AI is an it) confirmed that while Keller did teach extensively in Matthew (2012) it did not include Matthew 24-35. Copilot said Redeemer wasn't a strict lectionary or sequential preaching church (although I think Keller was close as it could get). Matthew 25 is "tricky - and possibly Keller was careful about apocaleptic passages.
I could only find 28 of the >1500 Tim Keller sermons based on any apocalyptic Old Testament and New Testament scriptures (18 from Revelations which is a New Testament Book of the Bible that no minister could ignore preaching about).
When I announced in Wed. 7:15BC that I could find no sermons on Matthew 24-25 by Tim Keller, J.B. immediately tried to fact check me with Siri which answered that T. Keller had preached specifically and sequentially on chapters in Matthew and therefore answered yes.
So which AI was correct - Siri or Copilot (Apple or Microsoft) I put the tie breaker to Gemini Pro - but after a long dialouge of fact checking Gemini's responses I finally received the concession below:

Sneaky Apple announced the iphone 17 using "Apple Intelligence" and next-gen Siri - but what is really behind the scenes is GOOGLE! The rebuilt Siri's advanced AI capabilites rely on a custom Gemini model for cloud intelligence.
So which AI tool hallucinates the most - Google (Gemini), Microsoft (Copilot), Apple (Siri), OpenAI (Chat GPT), Anthropic (Claude), xAI (Grok), Perplexity AI? Since Microsoft is really a cousin of Chat GPT and Apple is a cousin of Gemini here is how each self proclaims Hallucination ratings from least to most:
Copilot says - Claude, Chat GPT including Copilot, Gemini
Gemini says - Claude, Perplexity AI/Copilot, Chat GPT, Gemini,Grok
Perplexity Pro - Perplexity, ChatGPT web, Gemini, OpenAI GPT-4o,Claude,Grok
Grok says - "Grok is under heavy usage - upgrade to Suiper Grok"
Chat GPT says - ChatGPT, Gemini,Claude, Copilot, Perplexity, Meta AI, Grok
Claude says - Gemini 2.0 Flash, GPT-4o,Claude Sonnet, Claude Opus, Grok, GPT-5, Gemini Pro
Actually, I think each of the assistants were hallucinating about each other :) OR... maybe they are all together one big hallucination conspirator.
Thursday, June 11, 2026
Three Reading Amigos
Wednesday, June 10, 2026
The Awful Grace of God
I listen to Tim Keller sermons everyday in my car from the library of sermons I purchased for Susan as a Christmas gift years ago. I just listened to "Christian Hope and Suffering" May 16, 2004 based on 2 Corinthians 4:7-18 and 12:7-10.
In that sermon Keller states "As Asechylus, of all people (the Greek poet), once wrote, "It's God's law that he who learns must suffer. And even in our sleep, pain that cannot forget, falls drop by drop upon the heart, and in our own dispite, against our will, comes wisdom to us by the awful grace of God"
Translated from Agamemnon "The Oresteia" a more direct translation would read:
“Zeus… has established this law:
that wisdom comes through suffering.
Pain, remembering its wounds,
drips before the heart in sleep;
and even against our will
comes understanding…
from the gods.”
What confused me from Tim Keller's statement is the term "The awful grace of God". Rarely have I seen the word grace used with the word awful. He was translating from a Greek philosopher who was polytheistic and not a Christian for emphasis not theological Christian principle.
BUT.... maybe that is an appropriate term in the mystery/paradox of understanding suffering, hope and grace in Christianity.
Grace is an unmerited gift from God and so suffering (awful grace) might also be an unmerited gift from God. Pain that you didn't seek or ask for - that has a path to hope and wisdom.
--------------------------------------------------------------------------------------------
Postscript - 6/11/2026
I was re-listening to the audio sermon only to discover that T. Keller's reciting of the quote sounded like "all filling Grace of God". I even had R.M.2 listen to the quote as we were traveling to Ky to meet with P.N. for our mini book club meeting and he said it sounded like "awe filling Grace of God". This lead me to more research to determine regardless of what T. Keller said - what was the actual quote. It came from Edith Hamilton's 1937 translation:
falls drop by drop upon the heart…
and in our own despite, against our will,
comes wisdom to us
by the awful grace of God.”
Tuesday, June 9, 2026
Inflation Management
Jenna and I discussed inflation after a complete day of swim lessons and an afternoon of "quiet time" with her boys. Interesting that Jenna (a Milliennial - GenY) is concerned about inflation given that from college to now her actual realized inflation rate (13 yrs) is only 2.79% but close to my comment of thinking I have experienced 3% over my 50 years.
Later I looked up my personal inflation since college (1976 -2026) of 50 years. The exact data based result using CPI is that $1 in 1976 is equivalent to $5.85 today or 3.6% compounded. My gut guess of 3% was low.
It's hard to remember prices out of college, however - my first new car a 1976 Buick Regal was $5K; my first house in Hyde Park 1980 was $75K ; coffee at the office was subsidized $0.10 but normally $0.50; at college a pitcher of 3.2 beer was $1.50.
So what are the big wealth destroyers - inflation, healthcare, taxes and.... mis managing your money.
My Wisnerism Vistage quote related to this topic:
"Manage your money or it will manage you."
Monday, June 8, 2026
AI Stopping Point
I have been pondering why should there be any worry about AI in its recursive self improvement (RSI). Isn't human intelligence (both individually and collectively) just a recursive self improvement process also?
Not so says Copilot. "Humans absolutely show feedback-driven self-improvement and learning how to learn = a recursive pattern. BUT.... RSI is defined more narrowly: A system improves the MECHANISM that creates the improvement, autonomously and repeatedly."
1. Humans don't directly rewrite their "code". You can't redesign your brain.
2, The loop isn't fully self-directed. RSI does self modification without external input. Humans are heavily external input not fully internal.
3. No guaranteed acceleration . RSI increases the rate of future improvements after each improvement. Humans improve rapidly in early life but plateau or even decline.
Bottom line RSI upgrades the engine, not just the performance and outcome.
BUT - what "stops" RSI within AI? Recursion is an infinite "black hole" - self reference can go on forever without a base case or energy constraints. What then is AI's stopping condition?
Copilot answers this- "In current AI systems, the base case/stopping rule is not magically discovered by the model itself - it is normally defined BY HUMANS through goals, tests, validation criteria, and resource limits. Current systems can do pieces of self-improvement, but they do not yet close the full loop automomously."
And that is why we need to put some guard rails on AI. Stopping must still be enforced by human-defined objectives, validation tests, and resource or safety limits. The Pope's 240 page Encyclical Letter about AI is worth attention - even if lazily I let NotebookLM do my thinking :)
Sunday, June 7, 2026
Recursive Navel Watching
I was watching Face the Nation when Associate Professor of John Hopkins (also advisor to Antrhopic) Ben Buchanan mentioned recursive self improvement of Artificial Intelligence. I'm guessing this is one of the challenging uncharted territories of AI. Anytime the term recursive is used, my own radar of interest in infinity arises. Recursive logic or in computer terms "Do Loop" provides both paradox and infinite resources to reach an outcome (if one exists). So when I asked copilot to define what recursive self improvement is and it presented one of the sources it was using ---- MY BLOG!!! ... well that was curious.
Why my blog I wondered? Only to discover that Copilot always checks my personal Microsoft 365 data - emails, onedrive, calendar and contacts in forming its answer. Hence Copilot found a pdf file of my blog sitting in onedrive with references to AI, recursive, self, and self improvement. As copilot itself said "By design, I'm required to search your personal data even for general questions". Inside this blog it found (1) Direct AI related content (strong match); (2) General "Self Improvement/Improvememt" language (broad match); So it casts a wide semantic net, not just exact phrase matching.
Now I understand how it personalizes answers indicating my interests and suggests follow-on questions in the possible related areas of my past inquiries - it is not just my past chats but also emails, attachments, data, schedule and contacts.
But does that mean it is just a recursive confirmation bias (maybe even narsassitic) machine that frames answers in ways that are scycophantic. Reminds me of the March 21, 2026 Wall Street Journal article by Alexandra Samuel "How I stop AI from Telling me What I want to Hear".
So what does copilot suggest as a proper prompt to avoid this tendency - After every question add this command: Answer using general knowledge only; do not use my personal data; analyze and challenge assumptions; provide objective reasoning with at least one alternative perspective.
I'll save the analysis of the danger of recursive self improvement for a later blog since this chat drove me into a internal "Do Loop" of navel watching.
Saturday, June 6, 2026
Bitcoin Treasure Hunt
As I was searching old hard drives for the passport story of 1997, I happened upon a June 2015 folder titled "bitcoin". A couple of years ago, I had embarked on a treasure hunt in my old computers searching for files titled "wallet.dat" and even found some. But alas - didn't know what to do next and gave up on thinking I had any old bitcoins stored locally. Here is where AI comes to the rescue. When I found this 2015 folder with a file titled "wallet.dat", AI motivated me to try to discover what was in that file.
Next I downloaded Bitcoincore with it's methodical (and long very long) blockchain synching process to merge my old wallet.dat into it's stored folder. Next I had to wait for the synch to arrive at June 2015 with great anticipation that I would find a treasure of bitcoins.
Alas - no transactions. I vaguely remember playing around with educating myself on bitcoins back then - reading about them and like everyone considering them like rewards points with trivial redemption. So it is likely I tried to set up a wallet then - but then lost interest.
My interest revived in 2017 when I set up a coinbase account and tried my $100 experiment of getting money in and out of the account to prove that bitcoin could be an alternate currency. But back then I was unwilling to trust that bitcoin was more than just a meme type activity.
And so there still remains skeptics about cyptocurrency and it's proper place in a diversified portfolio. And maybe still is just buried treasure for future pirates.
Passport Persistence
Tuesday, June 2, 2026
One Word - Infinite Meanings
"When you get to my age, you’ll really measure your success in life by how many of the people you want to have love you actually do love you . . . that’s the ultimate test of how you have lived your life . . . the more you give love away, the more you get. " Warren Buffett
LOVE - Or as I have sometimes said - "Let Others Vulnerabilities Emerge" The best way to acheive this is for you to be vulnerable first. Love first and then this opens others to Love also.
Our small group at Crossroads are reading "Start with Amen" by Beth Guckenberger of Back to Back Ministries. I always felt that courage was one of, if not the highest viture. She makes the point in her book - "Is it possible love is what gives us courage, holds our hands, and fights along side us?" Love trumps all virutes!
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