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The uncertain one: Lemonade thinks the industry doesn’t acquire enough customers online, and that this locks them out of low-premium policies. But Lemonade is also betting that they can convince customers to spend more over time.

I guess what I want most is to be a good tool or vessel for the few things I do understand and believe in. Something about that feels both urgent and meaningful.

Tubes are things which accelerate each person towards their own goal. When you look something up on Google Maps, catch a taxi, or negotiate a win-win contract, that's a tube. Online examples are Google search, Amazon, and various APIs.

People assumed that it will only take 2-3 years to figure out the rest. However, at this stage the math is non-linear. Figuring out the remaining 10% edge cases will take a lot longer. Even once self-driving trucks are ready to get on the roads, it will take a long time before workers are displaced. Companies need to buy the new trucks and adapt... See more

When you’re at the beginning, don’t obsess about the middle, because the middle is going to look different once you get there

While Roblox has often been lauded for its efforts, protecting its young users has been a constantly evolving battle. The company reviews game content, offers parental controls and has chat filters that block profanity and information that can be used to identify people. Even so, explicit material slips through the cracks. There have been games... See more