Craig Peterson - Secure Your Business, Your Privacy, and Save Your Sanity

It's time for another It's a Security Thing. Today, Craig talks about the malware attack on the office of CPAs Martin Hutchison and Hohman.

These and more tech tips, news, and updates visit - CraigPeterson.com

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Related Articles 

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Below is a rush transcript of this segment, it might contain errors.

Airing date: 03/14/2019

Martin Hutchison And Hohman CPA - Missed The Signs And Got Hacked

Craig Peterson 0:00
Hey everybody. Craig Peterson here. We got another little security thing. It's a security thing for you and man alive. This is something I've seen happening more and more. We've got warnings out from the federal government about this scam. This is a scam. I know personally, a lot of people have gotten nailed for. I have a letter sitting in front of me from some Certified Public Accountants. It's Martin Hutchinson and Hohman and it is a firm out of Eureka, California. Yeah, a they released, I'm glad they did this in California, it is required by law. And that's true in many states. In fact, the module and I'm just finishing up right now in my security course that I've been writing and delivering. We talk specifically about all of these different rules and regulations. There's 47 different sets of them on the state level in the US. But this is from their notice of data breach, and it goes on this letter goes on for about two page I am pages. I am not going to read this whole thing to you. But I'd be glad to send it to you if you're interested. But here's what happened to them.

Craig 1:27
February 15, 2019, while trying to resolve an email failure. With our email host Suddenlink I was directed to a website that gave a phone number to call for immediate assistance. When I call this number, the technician stated, he could certainly help he requested access to my computer to understand the issue with the email. So so far, we're talking about having an email problem. How many times have we seen this people, email problems happen all the time. But I pick up more hands because they're having an email problem. So he had email this company sudden link and then he was directed to this website. So he calls them up. So next up here, he requested access to my computer to understand the issue with the email after I installed the software necessary to give him remote access to my computer, he pulled up some IP addresses on my computer screen and stated that this was the reason for the email failure. I should point out, this is a very, very common tactic, they'll usually drop down into a shell, they'll get a net stat, they'll show the interfaces on your computer. And this is far beyond even that little thing far beyond what most people understand. But it's enough to really give them a little bit of a leg up. So this guy pulled up some IP addresses. He then insisted that in order to fix the problem and prevent viruses from attacking, I would need to allow him to install a program on our office's network server, I told him no, and at that our local computer technician would be contacted to deal with this. Now, again, we see this all of the time, most of these local computer guys are not able to handle some of these bigger problems. But I gotta tell you, I was impressed with what happened and what his local computer guy did. At this point. He stated that back to the letter that only a Microsoft tech such as himself would be able to do this, this was a red flag is I thought I was dealing with this Suddenlink technician. At that point, I quickly disconnected my computer from the internet. And from our office network. I then uninstalled the remote access software, I had allowed him to install and turn the computer off. This entire interaction lasted less than eight minutes. So here we go. Martin Hutchinson and Hohman, certified public accountants, Eureka, California, and they are admitting to what happened. Now, he did do the right things here, things were a little suspicious, he thought it was sudden link. So his first mistake was calling the phone number that was listed on the website that the email directed him to what he should have done is he knows he's getting his email through Suddenlink, he should have called them up directly, look up their website, call that number and make sure he talked to somebody he knows a name, he recognizes over there in Suddenlink Okay, that makes sense. So that was his very first mistake. So now he's on with this guy. And this guy asked him to install some remote access software. If you're dealing with us as a managed security services provider, we already have software installed on your machines that allow us to monitor the security to look into problems. So if you're on the phone with them, and they say, Hey, we need to install some software, there's your next alarm, don't allow them to install software. They should have whatever's needed on your machine already. Now, you might need to enable it, it should be, you know, a little pop up and say, Hey, so and so's requesting access our software when we request access pops up and says that so and so from mainstream is taking control of the computer. So it comes up on the screen, it stays on the screen. We can't get rid of that message. You can't get rid of that message. You know, we're on with you at that point. Okay, so there, there was his next little alarm bells should have gotten off. Now he did have one go off because he did realize that Microsoft technician such as himself, this was Suddenlink but you know, Microsoft does do some certain certifications. And maybe that's what the guys referring to but shutting it all off made a whole lot of sense. So he unplugged the network cables in his computer. Nowadays, a lot of these computers are hooked up to Wi Fi, which is a bad idea, by the way for businesses. But he pulled those computers out there absolute right thing to do. He tried to install the software. My last module that I put together and teaching talks about security breaches, he should not have done that he should have immediately hit the power button and then disconnect the cables and set the machine aside for a professional cyber forensics person to have a look at this because there who knows what happened, right? There could be a lot of things that happen that could have had data exfiltration, this might be something that the FBI or local law enforcement is interested in, you need to preserve the state of the machines, that was another mistake that he made. And then the technician came out and the technician told them, Hey, this is a known scam. And the technician ended up replacing the hard disk in the machine because he said, this was a very sophisticated piece of malware that had been installed on the machine.

So there you go. It's a security thing, a lot of stuff you should know and do. And again, these CPA guys, they did a decent job. They missed a whole bunch of red flags. they handled the post hack if you will post attack incorrectly. His computer guy handled it incorrectly. But now you know better don't you you know a little bit more about what to do. So that's today's security thing. I'm Craig Peterson. You can find me online. http://CraigPeterson.com. And make sure you subscribe to the newsletter to stay on top of this stuff. And this podcast. And you can get the podcast by going to http://CraigPeterson.com/iTunes. Hey, have a great day. We'll be back with another security thing.

Craig 8:03
There's always something to talk about. I just don't always have the time take care. Bye bye.

---

More stories and tech updates at:

www.craigpeterson.com

Don't miss an episode from Craig. Subscribe and give us a rating:

www.craigpeterson.com/itunes

Message Input:

Message #techtalk

Follow me on Twitter for the latest in tech at:

www.twitter.com/craigpeterson

For questions, call or text:

855-385-5553

It's time for another It's a Security Thing. Today, Craig talks about the malware attack on the office of CPAs Martin Hutchison and Hohman.

These and more tech tips, news, and updates visit - CraigPeterson.com

---

Related Articles 

---

Below is a rush transcript of this segment, it might contain errors.

Airing date: 03/14/2019

Martin Hutchison And Hohman CPA - Missed The Signs And Got Hacked

Craig Peterson 0:00
Hey everybody. Craig Peterson here. We got another little security thing. It's a security thing for you and man alive. This is something I've seen happening more and more. We've got warnings out from the federal government about this scam. This is a scam. I know personally, a lot of people have gotten nailed for. I have a letter sitting in front of me from some Certified Public Accountants. It's Martin Hutchinson and Hohman and it is a firm out of Eureka, California. Yeah, a they released, I'm glad they did this in California, it is required by law. And that's true in many states. In fact, the module and I'm just finishing up right now in my security course that I've been writing and delivering. We talk specifically about all of these different rules and regulations. There's 47 different sets of them on the state level in the US. But this is from their notice of data breach, and it goes on this letter goes on for about two page I am pages. I am not going to read this whole thing to you. But I'd be glad to send it to you if you're interested. But here's what happened to them.

Craig 1:27
February 15, 2019, while trying to resolve an email failure. With our email host Suddenlink I was directed to a website that gave a phone number to call for immediate assistance. When I call this number, the technician stated, he could certainly help he requested access to my computer to understand the issue with the email. So so far, we're talking about having an email problem. How many times have we seen this people, email problems happen all the time. But I pick up more hands because they're having an email problem. So he had email this company sudden link and then he was directed to this website. So he calls them up. So next up here, he requested access to my computer to understand the issue with the email after I installed the software necessary to give him remote access to my computer, he pulled up some IP addresses on my computer screen and stated that this was the reason for the email failure. I should point out, this is a very, very common tactic, they'll usually drop down into a shell, they'll get a net stat, they'll show the interfaces on your computer. And this is far beyond even that little thing far beyond what most people understand. But it's enough to really give them a little bit of a leg up. So this guy pulled up some IP addresses. He then insisted that in order to fix the problem and prevent viruses from attacking, I would need to allow him to install a program on our office's network server, I told him no, and at that our local computer technician would be contacted to deal with this. Now, again, we see this all of the time, most of these local computer guys are not able to handle some of these bigger problems. But I gotta tell you, I was impressed with what happened and what his local computer guy did. At this point. He stated that back to the letter that only a Microsoft tech such as himself would be able to do this, this was a red flag is I thought I was dealing with this Suddenlink technician. At that point, I quickly disconnected my computer from the internet. And from our office network. I then uninstalled the remote access software, I had allowed him to install and turn the computer off. This entire interaction lasted less than eight minutes. So here we go. Martin Hutchinson and Hohman, certified public accountants, Eureka, California, and they are admitting to what happened. Now, he did do the right things here, things were a little suspicious, he thought it was sudden link. So his first mistake was calling the phone number that was listed on the website that the email directed him to what he should have done is he knows he's getting his email through Suddenlink, he should have called them up directly, look up their website, call that number and make sure he talked to somebody he knows a name, he recognizes over there in Suddenlink Okay, that makes sense. So that was his very first mistake. So now he's on with this guy. And this guy asked him to install some remote access software. If you're dealing with us as a managed security services provider, we already have software installed on your machines that allow us to monitor the security to look into problems. So if you're on the phone with them, and they say, Hey, we need to install some software, there's your next alarm, don't allow them to install software. They should have whatever's needed on your machine already. Now, you might need to enable it, it should be, you know, a little pop up and say, Hey, so and so's requesting access our software when we request access pops up and says that so and so from mainstream is taking control of the computer. So it comes up on the screen, it stays on the screen. We can't get rid of that message. You can't get rid of that message. You know, we're on with you at that point. Okay, so there, there was his next little alarm bells should have gotten off. Now he did have one go off because he did realize that Microsoft technician such as himself, this was Suddenlink but you know, Microsoft does do some certain certifications. And maybe that's what the guys referring to but shutting it all off made a whole lot of sense. So he unplugged the network cables in his computer. Nowadays, a lot of these computers are hooked up to Wi Fi, which is a bad idea, by the way for businesses. But he pulled those computers out there absolute right thing to do. He tried to install the software. My last module that I put together and teaching talks about security breaches, he should not have done that he should have immediately hit the power button and then disconnect the cables and set the machine aside for a professional cyber forensics person to have a look at this because there who knows what happened, right? There could be a lot of things that happen that could have had data exfiltration, this might be something that the FBI or local law enforcement is interested in, you need to preserve the state of the machines, that was another mistake that he made. And then the technician came out and the technician told them, Hey, this is a known scam. And the technician ended up replacing the hard disk in the machine because he said, this was a very sophisticated piece of malware that had been installed on the machine.

So there you go. It's a security thing, a lot of stuff you should know and do. And again, these CPA guys, they did a decent job. They missed a whole bunch of red flags. they handled the post hack if you will post attack incorrectly. His computer guy handled it incorrectly. But now you know better don't you you know a little bit more about what to do. So that's today's security thing. I'm Craig Peterson. You can find me online. http://CraigPeterson.com. And make sure you subscribe to the newsletter to stay on top of this stuff. And this podcast. And you can get the podcast by going to http://CraigPeterson.com/iTunes. Hey, have a great day. We'll be back with another security thing.

Craig 8:03
There's always something to talk about. I just don't always have the time take care. Bye bye.

---

More stories and tech updates at:

www.craigpeterson.com

Don't miss an episode from Craig. Subscribe and give us a rating:

www.craigpeterson.com/itunes

Message Input:

Message #techtalk

Follow me on Twitter for the latest in tech at:

www.twitter.com/craigpeterson

For questions, call or text:

855-385-5553

Craig is on the WGAN Morning News with Ken and Matt. Joe Reagan sitting in for Ken this morning. They talked about the new cameras that can spot a shoplifter even before the steal something. They also discussed autonomous cars and their impact and risks.

These and more tech tips, news, and updates visit - CraigPeterson.com

---

Related Articles:

These Cameras Can Spot Shoplifters Even Before They Steal

Automakers Could Give Police Control Over Your Self-Driving Car

Self-Driving Cars Might Kill Auto Insurance As We Know It
---

Transcript:

Below is a rush transcript of this segment, it might contain errors.

Airing date: 03/13/2019

Artificial Intelligence Our Safety And Privacy

Craig Peterson 0:00
Hey, good morning everybody. Craig Peterson here on this morning with WGAN. Ken was out. So we had Joe Reagan in this morning along with Matt and we had a little bit of chat about a couple of things. The new AI stuff, Joe had some interesting points today. I enjoyed having him on. But AI and what does it mean to us when from soup to nuts here shopping, police, our cars, etc. so here we go with the guys over at Maine's number one morning show.

Matt Gagnon 0:36
And we're back again. 7:37 on the WGAN Morning News with Ken and Matt. Joe Reagan is in for Ken today and Craig Peterson is on the line with us as he would be typically on 7:38 on a Wednesday. So Craig, are you this morning?

Craig 0:50
Hey, I'm doing good, Matt. What? 737 once you just leave it alone. Come on, guys.

Matt 0:55
Sorry. I know. A little early this time. So anyway, let's start with our technology topics. Of course. As always, sir, I think the first one I'd like to deal with frankly, is is cameras, right. Spotting shoplifters before they even steal. So basically, we're talking about what Minority Report here they get, like future future crimes, pre cognition. The cameras are basically I assumed, you know, keeping tabs on people and can predict when they're gonna steal what's happening here?

Craig 1:26
Yeah, this is part of an overall trend that we've been seeing over the last year or two. We have had in London, of course, we know right, it's the most surveilled city in the world. They are tracking you everywhere you go. They're using facial recognition. And they are using it also to listen listen for bullets been fired, we have that New York City as well. They know instantly when a gun is fired, where was fired, we have now software that's being used by many every major city in the Western world now, that is predicting where crimes are going to be taking place. And in all of these cases, it's kind of ok, still, right? Because basically, if there's an area of the tide crime, you want the police there, right. And it's kind of a normal thing. Now, we also have California doing yet another wacky thing, which is instead of having to go in front of a some form of a magistrate or judge to get bail, and then you post bail, and you can get out assuming you're not a big risk to the community or flight risk. California has decided that they want to get rid of bail bondsmen entirely. And they just want a computer program to decide who gets to get out on on basically on bail. And it's it's really concerning now, as we give more and more power to computer systems which just aren't fallible, if he wants to any Wi Fi show, right. You know, that's true.

Matt 3:07
Bad idea.

Joe Reagan 3:07
And then great. You know, one thing that's come up a couple times is that when you talk about how these computer algorithms are doing this, so we talked about predictive analysis for shoplifters. A lot of that is based on correlation. And so therefore, one of the critiques of the systems is that it will it actually is discriminatory against usually racial minorities that might be at a statistically more, you know, our might be punished by criminal by crime more often. And so, it's, it's, it seems like it almost turns itself into a, I guess, a self licking ice cream cone, where it's just, you're just making it worse for people. And it's not actually doing predictive analysis in terms of someone's intentions, but actually trying to make judgments based off of past events. 

Matt 3:51
I would like to see a self licking ice cream cone. I would be quite...

Craig 3:56
Joe, you brought up a really good point. Do you remember Microsoft came out with this little Twitter bot that they had designed to use machine learning

Joe 4:09
How can I forget? Like yesterday. Yeah.

Craig 4:11 
Yeah, you remember this thing? And what it did was.

Matt 4:13
Yeah. Turned into Skynet in like 10 minutes. 

Craig 4:18
Exactly. They had it monitor all these Twitter feeds. And what did it come back as it came back to as a nasty racist, and it was it was just crazy. Well, and your point about, you know, predictive correlation, etc. is a good one, too, because when you start looking at this in what Matt brought up here was this Japanese startup called Vaak that takes security camera footage and does predictions. So you take this and say, well, is this computer system going to turn into a racist like Microsoft computer system did because it notices that most of these crimes are committed by people who have black hoodies on that are covering the faces of black hoodies. And from a cultural standpoint, that particular type of dress is, is a minority is, is wearing that type of a dress. So now all of a sudden, the system that's supposed to be looking for general body language, general trends is now looking at someone that walks in that's dressed a certain way and automatically, bam, it's accusing them of being potential shoplifters. Now, today, what Bloomberg is reporting is this system is being designed. So that is alert security and security goes over and asks the shopper, hey, do you need some help? And that alone is enough for most cases for them to stop the potential shoplifting that might happen, which is a big deal guys. We're talking about $34 billion in retail shrinkage. It's a biggest source, in fact, to shrink. And so it's a very big deal. But my gosh, where's this all going? We get more and more of this. And we're not anywhere near artificial intelligence yet everybody. And what's going to happen everything so far as Matt pointed out is basically turned into Skynet.

Matt 6:20
Yeah, absolutely. We're talking to Craig Peterson, our tech guru who joins us at this time to go over what's happening in the world of technology Okay, so another one that attracted my attention on our news list here today is the potential future in which cops can take over my self driving car obviously self driving cars are inevitable you can be terrified of it if you want to listener who's listening to this right now, but it's coming and you're gonna have to get ready for it. So when you finally are forced to drive your self-driving car when you get pulled over the cops can just like take over your car man. What's what's what's happening here. The is this like, be going to be like some sort of stealthy thing bill into all new cars. You think?

Craig 7:02
Well, that's kind of where we're going right now. And you look at what happened a couple of weeks ago, in Hawaii, there was a big conference out there. And they were talking about ethics and the ethics of artificial intelligence. And one of the things they brought up was our, you know, home devices like our Alexas, our Google Home devices, etc. Should have built into them some artificial intelligence that automatically calls the police if it detects something that that just might not be a great home environment, right. As always can figure that out. We already have these really cool things that reminds me of the Fast and the Furious, these remote control little little cars that the police can use. And they drive them underneath the car of a flame suspect. And they set off a small electromagnetic pulse which disabled the engine because of course, all these new engines have computers in them. Have you seen these things?

Matt and Joe 8:09 
Yeah, yep.

Craig 8:10
Yeah, little RC cars, and they'll do 80 miles an hour. So in that case, obviously they're damaging the cars. They just burned out the computers. And now we have people who are driving a semi autonomous cars, for instance, the Teslas and there's a lot of Teslas on the road here in Maine. And they have this kind of semi-auto pilot thing. And the idea is you can have it kind of take over the steering wheel. And while you're on the highway, it'll stay in the lanes. It'll drive down the road. And if the cars in front of you slow down, it'll slow down. It really kind of makes you a really good patron of the roads is the idea and Elon Musk has announced that come next year, he's going to have a software upgrade for the Teslas that makes them 100% autonomous. But in case now we have a couple that we know of, we have drivers that have fallen asleep. And this one case the driver as reported by Bloomberg in December last year was drunk. Fell sound asleep behind the wheel of his Tesla. His auto pilot was engaged and the police were chasing them down the freeway. I'm not sure exactly what they noticed, probably a sleeping driver. Might be something that's worth noting. And they will try to get this car to stop it couldn't wake up the the so called driver, the occupants of the vehicle and so they ended up having to box the car in. They had, you know, you get four police officers, the car has to slow down because the cars around it or slowing down came to a stop. So what do you do. The police are suggesting and Bloomberg's suggesting that maybe what should happen here is the the cops should be able to not only have the car pull over to the side of the road and stop, but they're talking about rerouting cars, as well as been able to force them to pull over. So I don't know, Matt, maybe when you're driving that car down the road, the police will just do that. Let's say Hey, take you right to the local police station. And because you're under arrest and all the doors locked.

Matt 10:24
So you're suggesting to me that is that the whole OJ chase thing in 1991 or whatever is the thing of the past. We'll never see that again.

Craig 10:31
Yeah, exactly. When was the last night you fell drunk on the road?

Joe  10:36
Well, you know that reason is your question because whether you're talking about a vehicle that is fully autonomous or partially autonomous, it raises questions, and this is one of the insurance industry has dealt with for some time is how do you deal with damage that's incurred from mechanical issues, whether that be a computer glitch, or some sort of actual mechanical glitch where the operator may or may not be 100% responsible for something that's happens, I get it soon. This is really changing the dynamic of of how the insurance companies using auto insurance,

Craig 11:06
it will in this case, when you're talking about that, Joe, you were talking about 90% of the risk, because right now, 90% of the accidents when they've been been investigated afterwards were attributed to some form of human error. So if you get rid of that 90%, if it's no longer the human who's driving who is causing the accident, or at least a large contributor to the accident, where does that liability go? Because, again, human or you know, involvement here, right? Human risk from the driver? Well, there are humans and I'm assuming I, you know, I got a little implication for what you're saying. I'm assuming that you're also including the humans that wrote to the software. You know, they don't go after the guy that designed the switch that failed on the car. And that caused, you know, I just contributing to an accident. They don't do that nowadays, right? They might go after the manufacturer, they might try and get a recall on the car, get that switch replaced, get that switch repaired. But that guy that misdesigned the switch doesn't go to jail doesn't face criminal charges. What's the future going to hold when now we don't even have most of these car companies making their own software, Apple got rid of their autonomous vehicle division, at least the guys that were going to make the cars and they've decided they're going to make the software so they're not going to make all of the software there's already dozens of computers in modern cars. There's a lot of different software, a lot of different companies. Joe, my gosh, your head's going to explode when you get right down to it and think about where does a liability go? Who has to get insured? How long is this stuff going to get tied up in the courts and you know, Washington DC in state courts and and legislatures. This is this is the hugest part of this huge new problem we're going to be facing with autonomous vehicles. All right.

Matt 13:16
Craig Peterson, our tech guru joins us at this time to go over the world of technology every Wednesday and today is no exception. Craig appreciate it as always, and we will talk to you again next week.

Craig 13:26
Hey gentlemen, take care.

---

More stories and tech updates at:

www.craigpeterson.com

Don't miss an episode from Craig. Subscribe and give us a rating:

www.craigpeterson.com/itunes

Follow me on Twitter for the latest in tech at:

www.twitter.com/craigpeterson

For questions, call or text:

855-385-5553

Craig is on the WGAN Morning News with Ken and Matt. Joe Reagan sitting in for Ken this morning. They talked about the new cameras that can spot a shoplifter even before the steal something. They also discussed autonomous cars and their impact and risks.

These and more tech tips, news, and updates visit - CraigPeterson.com

---

Related Articles:

These Cameras Can Spot Shoplifters Even Before They Steal

Automakers Could Give Police Control Over Your Self-Driving Car

Self-Driving Cars Might Kill Auto Insurance As We Know It
---

Transcript:

Below is a rush transcript of this segment, it might contain errors.

Airing date: 03/13/2019

Artificial Intelligence Our Safety And Privacy

Craig Peterson 0:00
Hey, good morning everybody. Craig Peterson here on this morning with WGAN. Ken was out. So we had Joe Reagan in this morning along with Matt and we had a little bit of chat about a couple of things. The new AI stuff, Joe had some interesting points today. I enjoyed having him on. But AI and what does it mean to us when from soup to nuts here shopping, police, our cars, etc. so here we go with the guys over at Maine's number one morning show.

Matt Gagnon 0:36
And we're back again. 7:37 on the WGAN Morning News with Ken and Matt. Joe Reagan is in for Ken today and Craig Peterson is on the line with us as he would be typically on 7:38 on a Wednesday. So Craig, are you this morning?

Craig 0:50
Hey, I'm doing good, Matt. What? 737 once you just leave it alone. Come on, guys.

Matt 0:55
Sorry. I know. A little early this time. So anyway, let's start with our technology topics. Of course. As always, sir, I think the first one I'd like to deal with frankly, is is cameras, right. Spotting shoplifters before they even steal. So basically, we're talking about what Minority Report here they get, like future future crimes, pre cognition. The cameras are basically I assumed, you know, keeping tabs on people and can predict when they're gonna steal what's happening here?

Craig 1:26
Yeah, this is part of an overall trend that we've been seeing over the last year or two. We have had in London, of course, we know right, it's the most surveilled city in the world. They are tracking you everywhere you go. They're using facial recognition. And they are using it also to listen listen for bullets been fired, we have that New York City as well. They know instantly when a gun is fired, where was fired, we have now software that's being used by many every major city in the Western world now, that is predicting where crimes are going to be taking place. And in all of these cases, it's kind of ok, still, right? Because basically, if there's an area of the tide crime, you want the police there, right. And it's kind of a normal thing. Now, we also have California doing yet another wacky thing, which is instead of having to go in front of a some form of a magistrate or judge to get bail, and then you post bail, and you can get out assuming you're not a big risk to the community or flight risk. California has decided that they want to get rid of bail bondsmen entirely. And they just want a computer program to decide who gets to get out on on basically on bail. And it's it's really concerning now, as we give more and more power to computer systems which just aren't fallible, if he wants to any Wi Fi show, right. You know, that's true.

Matt 3:07
Bad idea.

Joe Reagan 3:07
And then great. You know, one thing that's come up a couple times is that when you talk about how these computer algorithms are doing this, so we talked about predictive analysis for shoplifters. A lot of that is based on correlation. And so therefore, one of the critiques of the systems is that it will it actually is discriminatory against usually racial minorities that might be at a statistically more, you know, our might be punished by criminal by crime more often. And so, it's, it's, it seems like it almost turns itself into a, I guess, a self licking ice cream cone, where it's just, you're just making it worse for people. And it's not actually doing predictive analysis in terms of someone's intentions, but actually trying to make judgments based off of past events. 

Matt 3:51
I would like to see a self licking ice cream cone. I would be quite...

Craig 3:56
Joe, you brought up a really good point. Do you remember Microsoft came out with this little Twitter bot that they had designed to use machine learning

Joe 4:09
How can I forget? Like yesterday. Yeah.

Craig 4:11 
Yeah, you remember this thing? And what it did was.

Matt 4:13
Yeah. Turned into Skynet in like 10 minutes. 

Craig 4:18
Exactly. They had it monitor all these Twitter feeds. And what did it come back as it came back to as a nasty racist, and it was it was just crazy. Well, and your point about, you know, predictive correlation, etc. is a good one, too, because when you start looking at this in what Matt brought up here was this Japanese startup called Vaak that takes security camera footage and does predictions. So you take this and say, well, is this computer system going to turn into a racist like Microsoft computer system did because it notices that most of these crimes are committed by people who have black hoodies on that are covering the faces of black hoodies. And from a cultural standpoint, that particular type of dress is, is a minority is, is wearing that type of a dress. So now all of a sudden, the system that's supposed to be looking for general body language, general trends is now looking at someone that walks in that's dressed a certain way and automatically, bam, it's accusing them of being potential shoplifters. Now, today, what Bloomberg is reporting is this system is being designed. So that is alert security and security goes over and asks the shopper, hey, do you need some help? And that alone is enough for most cases for them to stop the potential shoplifting that might happen, which is a big deal guys. We're talking about $34 billion in retail shrinkage. It's a biggest source, in fact, to shrink. And so it's a very big deal. But my gosh, where's this all going? We get more and more of this. And we're not anywhere near artificial intelligence yet everybody. And what's going to happen everything so far as Matt pointed out is basically turned into Skynet.

Matt 6:20
Yeah, absolutely. We're talking to Craig Peterson, our tech guru who joins us at this time to go over what's happening in the world of technology Okay, so another one that attracted my attention on our news list here today is the potential future in which cops can take over my self driving car obviously self driving cars are inevitable you can be terrified of it if you want to listener who's listening to this right now, but it's coming and you're gonna have to get ready for it. So when you finally are forced to drive your self-driving car when you get pulled over the cops can just like take over your car man. What's what's what's happening here. The is this like, be going to be like some sort of stealthy thing bill into all new cars. You think?

Craig 7:02
Well, that's kind of where we're going right now. And you look at what happened a couple of weeks ago, in Hawaii, there was a big conference out there. And they were talking about ethics and the ethics of artificial intelligence. And one of the things they brought up was our, you know, home devices like our Alexas, our Google Home devices, etc. Should have built into them some artificial intelligence that automatically calls the police if it detects something that that just might not be a great home environment, right. As always can figure that out. We already have these really cool things that reminds me of the Fast and the Furious, these remote control little little cars that the police can use. And they drive them underneath the car of a flame suspect. And they set off a small electromagnetic pulse which disabled the engine because of course, all these new engines have computers in them. Have you seen these things?

Matt and Joe 8:09 
Yeah, yep.

Craig 8:10
Yeah, little RC cars, and they'll do 80 miles an hour. So in that case, obviously they're damaging the cars. They just burned out the computers. And now we have people who are driving a semi autonomous cars, for instance, the Teslas and there's a lot of Teslas on the road here in Maine. And they have this kind of semi-auto pilot thing. And the idea is you can have it kind of take over the steering wheel. And while you're on the highway, it'll stay in the lanes. It'll drive down the road. And if the cars in front of you slow down, it'll slow down. It really kind of makes you a really good patron of the roads is the idea and Elon Musk has announced that come next year, he's going to have a software upgrade for the Teslas that makes them 100% autonomous. But in case now we have a couple that we know of, we have drivers that have fallen asleep. And this one case the driver as reported by Bloomberg in December last year was drunk. Fell sound asleep behind the wheel of his Tesla. His auto pilot was engaged and the police were chasing them down the freeway. I'm not sure exactly what they noticed, probably a sleeping driver. Might be something that's worth noting. And they will try to get this car to stop it couldn't wake up the the so called driver, the occupants of the vehicle and so they ended up having to box the car in. They had, you know, you get four police officers, the car has to slow down because the cars around it or slowing down came to a stop. So what do you do. The police are suggesting and Bloomberg's suggesting that maybe what should happen here is the the cops should be able to not only have the car pull over to the side of the road and stop, but they're talking about rerouting cars, as well as been able to force them to pull over. So I don't know, Matt, maybe when you're driving that car down the road, the police will just do that. Let's say Hey, take you right to the local police station. And because you're under arrest and all the doors locked.

Matt 10:24
So you're suggesting to me that is that the whole OJ chase thing in 1991 or whatever is the thing of the past. We'll never see that again.

Craig 10:31
Yeah, exactly. When was the last night you fell drunk on the road?

Joe  10:36
Well, you know that reason is your question because whether you're talking about a vehicle that is fully autonomous or partially autonomous, it raises questions, and this is one of the insurance industry has dealt with for some time is how do you deal with damage that's incurred from mechanical issues, whether that be a computer glitch, or some sort of actual mechanical glitch where the operator may or may not be 100% responsible for something that's happens, I get it soon. This is really changing the dynamic of of how the insurance companies using auto insurance,

Craig 11:06
it will in this case, when you're talking about that, Joe, you were talking about 90% of the risk, because right now, 90% of the accidents when they've been been investigated afterwards were attributed to some form of human error. So if you get rid of that 90%, if it's no longer the human who's driving who is causing the accident, or at least a large contributor to the accident, where does that liability go? Because, again, human or you know, involvement here, right? Human risk from the driver? Well, there are humans and I'm assuming I, you know, I got a little implication for what you're saying. I'm assuming that you're also including the humans that wrote to the software. You know, they don't go after the guy that designed the switch that failed on the car. And that caused, you know, I just contributing to an accident. They don't do that nowadays, right? They might go after the manufacturer, they might try and get a recall on the car, get that switch replaced, get that switch repaired. But that guy that misdesigned the switch doesn't go to jail doesn't face criminal charges. What's the future going to hold when now we don't even have most of these car companies making their own software, Apple got rid of their autonomous vehicle division, at least the guys that were going to make the cars and they've decided they're going to make the software so they're not going to make all of the software there's already dozens of computers in modern cars. There's a lot of different software, a lot of different companies. Joe, my gosh, your head's going to explode when you get right down to it and think about where does a liability go? Who has to get insured? How long is this stuff going to get tied up in the courts and you know, Washington DC in state courts and and legislatures. This is this is the hugest part of this huge new problem we're going to be facing with autonomous vehicles. All right.

Matt 13:16
Craig Peterson, our tech guru joins us at this time to go over the world of technology every Wednesday and today is no exception. Craig appreciate it as always, and we will talk to you again next week.

Craig 13:26
Hey gentlemen, take care.

---

More stories and tech updates at:

www.craigpeterson.com

Don't miss an episode from Craig. Subscribe and give us a rating:

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For questions, call or text:

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Craig is on the Jim Polito show with Danny Farrantino filling in for Jim. They talked about the AI, artificial intelligence, that the government is using to track and determine would be criminals, the risks of it, and President Trump not renewing the NSA surveillance program.

These and more tech tips, news, and updates visit - CraigPeterson.com

---

Related Articles:

National Security Agency Halts Surveillance Program Because Trump Won’t Renew It

These Cameras Can Spot Shoplifters Even Before They Steal
--- 

Transcript:

Below is a rush transcript of this segment, it might contain errors.

Airing date: 03/12/2019

Risks Of Government Controlled Artificial Intelligence

Craig Peterson: 0:00
Hey guys, Craig Peterson here. Hope you're having a great morning. This morning, I got to talk on the Jim Poliito show with Danny, the producer, because Jim is overseas. He's touring around Italy and France and a few other places, send it in little daily reports. But we talked this morning about the dangers of these new artificial intelligence systems being used by government and now being used by police department in California by the guys that used to be able to set bail and whether you get out on bail. And retailers to kind of save them a few bucks, in fact, billions of dollars by stopping shoplifting. So here we go with Danny.

Danny Farrantino 0:49
Who knows what that music means? It means it's time to get a little techie. And National Security Agency, the NSA, it appears Craig may be stopping some of these surveillance programs they've been doing over the past few years.

Craig 1:05
Yeah, this is a really interesting thing. And by the way, you know, Jim's over there. And obviously he's looking to see what are the people thinking in Italy and France? And what did they think of Americans, as you just mentioned, and I'm not sure that anyone's really thought this through. Because if somehow we're thinking that Jim is a good representation of your average American, there might be an issue there, Danny.

Danny 1:36
Well, unfortunately, my producer Steve out in Western Mass, told them all he needed to know was Prego, so he texted us this morning. And everyone in Rome thinks he's pregnant. He doesn't know what's going on.

Craig 1:51
Anthony. Alright sounds good. Well let's about the NSA program because this is astounding. It is not being covered in the general news out there. But it is a very, very big deal because the National Security Agency has been tracking Americans for years and years. That program was substantially increased during the Obama administration. And there were spying on every communication we had. They were collecting metadata, and they could use that to figure out where you were, basically figure out who you were, who you were talking to, they were recording calls, etc, etc. So President Trump comes into office, and all of a sudden the NSA decides what they've been doing might have been illegal. And so illegal in fact that some of these records that they knew they had collected that were way outside what the law allowed for. They deleted so they deleted like three years worth of data collection. Well, now, here we are, in 2019, this program, which was authorized under the so called USA Freedom Act, I love it, how they name some of these terrible acts like they're they're just wonderful patriotic things. But anyways.

Danny 3:12 
It's for the people, Craig.

Craig 3:14 
It is for the people. It requires reauthorization of the end of this year. And apparently what's happened is the NSA has decided that since President Trump doesn't like this program, and he doesn't like Americans being spied on illegally, that he is not going to renew this program. Now, this is this whole program that we found out because of the so called whistleblower and all of the data that he had released and very scary thing. But we found out about this and that the NSA is apparently going to dish this whole program, which they apparently have not had a single conviction because of this program. And we're talking hundreds of millions of dollars and actually, they were collecting so much data. Danny that in drove up the price of hard disks.

Danny 4:12 
Because they were taking them all. Wow.

Craig 4:13
Yeah, because they were taking them absolutely. So we found out about this from a guy named Luke Murray. He's a national security adviser to the House Minority Leader Kevin McCarthy. So in other words, we found out about this program going away. We found out that President Trump didn't like it that it probably wasn't going to be reauthorized from an assistant here to the House Minority Leader it's it's fascinating all the way around. Obviously the democrats have something to do with this as well because they may not pass it through the house President Trump doesn't like it he's already had a lot of this stuff shut down. Thank goodness they are finally starting to pay attention to what we the people want which has to be free in our communications in our papers to have privacy. You know we can give it up all we want to go to Amazon and Google and Facebook but that's us given it up it isn't our government spying on us?

Danny 5:15
Yeah, you know, some people making the argument well, if you're not doing anything wrong, who cares? But it's just kind of the general principle and then not only that, Craig but as you say, if they've had zero convictions with all of this data they've collected what what good has it done?

Craig 5:28
Yeah, it really hasn't done any good and when it gets down to that argument of well if you have nothing to hide but take a look at what's happened with the Mueller investigation where Muller excuse me investigation was thinking Bueller right Ferris Bueller. But with a smaller investigation where they were not investigating a crime they were investigating people and that's the sort of thing that happens in socialist governments if we know fascist, communist all versions of socialist I'm where you are investigated. And as has been said, show me the person I'll show you the crime. So if they if the government has all of this information, and with the hundreds of thousands of pages of rules, regulations, laws on the federal level, my goodness, the last half of the last year of the Obama administration we're talking about 50,000 new pages of regulations. We you know, my wife was a police officer and she said in the academy, she was a state trooper, in the academy they were told before you leave your home in the morning the on average you violated two to three laws having all of this just makes it so they can strong arm anyone and convict anyone of anything and that to me, that's just very scary.

Danny 6:50
Well, it brings up a point of you saying the government watching and me trying to find crimes or whatever else moving over to Japan. Now Japan trying to solve crimes before they even take place.

Craig 7:01
Yeah, this is a you know, something that we were warned about. Right. It's been a theme of, of our science fiction movies for many many years, you know, pre-crime with a Tom Cruise movie and many others that are out there but this is a whole new type of technology. We know that in in socialist China that they're monitoring everybody they've got cameras everywhere. They've now got this whole social credit thing. And if you say something negative against the government if you jaywalk, they're monitoring you. They know who you are, and they're taking away your right to travel because of what you say, if you're not politically correct. In China, you can even get on an airplane over there. It's really gotten bad. We're now looking at pre-crime in the US where we have  computer programs that have been analyzing all of our violent crime patterns. And the police are are sending police officers excuse me and investigatory teams into areas where the computers are saying, there's likely to be a crime here. I have real problems with that because, again, it's a computer. But I have even more problems, Danny, when in California, they're trying to get rid of bail bondsmen and in fact, they're trying to get rid of bail entirely. And what they're doing in California is they said, well, we've got a computer program and we'll just feed in all of the data about you. We'll feed in your social network comments. We'll feed in your travel history. We'll feed in your criminal history, and then the computer is going to come up and decide whether or not we should release you.

Danny 8:58
Oh, that sounds like a smart idea.

Craig 9:00
Isn't that brilliant? Now, how can you challenge that? You know, the computer program was written by programmers, are you going to be able to hold them into court? Are you going to be below examine every line of code? In fact, the people that wrote the programs are saying no, you can't have access to our source code, its proprietary. So now you're going to be judged by a piece of computer software that you cannot bring into court. You know, you can challenge a traffic ticket, but you can't challenge this in California. And now what you're talking about, I think in in Japan is this cameras being tied into yet another computer program. And these cameras are deciding whether or not they think to look shifty. Whether they think that you might be a shoplifter. So there they can tie into pretty much any computer or excuse me, any security system that's out there, and this software, it's a kind of a machine learning, AI and it's, again, out of Minority Report. And what they're saying is that retailers in the US and UK are, are are losing money, right, though they're losing about $34 billion a year in lost sales because of shoplifting. It accounts for about 2% of revenue. So in an industry where the margins are quite thin, it could save them a whole bunch of money. And so they're turning to this computer program that's going to watch you and decide whether or not it thinks you might be a shoplifter. Now, right now, they're saying the right way to do it is if it's if it's identifying someone that's looking around that that seems to have some body language that might indicate that they're shoplifter, they're saying, well, just send security over and ask that person if they need any help. And almost all always just having that person realize that they're being watched is enough for them not to shoplift. But what's the next step? You know, Danny, it's one thing to have socialist countries monitoring us. As President Trump pointed out, we're not a socialist country, well, at least he has, right? And having these technologies in place just makes it easy, that easy for the government to do things that take it to the next level of private business. Again, it's one thing for them to monitor you to warn you, but this is really getting me more and more concerned. When should computers be monitoring us? And what should they be doing? I don't mind them monitoring me for symptoms of a heart attack, because I'm wearing an Apple Watch and it might save my life. But the rest of this I'm I just don't like.

Danny 1:55
Especially when a lot of it is I guess, per se, at least an Apple Watch that's giving you a hard target data where something like this machine in Japan is we think maybe might be you might be guilty.

Craig 12:08
Yeah, or the software they're using a New York City to pre-place the police officers are in California to decide whether or not you might be a flight risk. It's we're going that way, Danny, it's going to be happening more and more. You got to bet that the legislature right here in the Commonwealth is looking at something like this pretty seriously as a way to save money and and track people maybe stop crime. I don't know where do we draw that line?

Danny 12:37
Unfortunately, you know, you want to keep people safe. But you also want to give people their own personal personal space as well. So and unfortunately, that line is very thin as you say Craig. Craig as always great stuff. Of course, we only got to about half of it. People want to hear more. What do they do?

Craig 12:52
All right, everybody. I am back to working on content here delivering on this huge course on cyber security, DIY cyber security. Anyways, take care. Have a great day. Bye bye.

---

Don't miss any episode from Craig. Visit http://CraigPeterson.com/itunes. Subscribe and give us a rating!

Thanks, everyone, for listening and sharing our podcasts. We're really hitting it out of the park. This will be a great year! 

More stories and tech updates at:

www.craigpeterson.com

Don't miss an episode from Craig. Subscribe and give us a rating:

www.craigpeterson.com/itunes

Follow me on Twitter for the latest in tech at:

www.twitter.com/craigpeterson

For questions, call or text:

855-385-5553

Craig is on the Jim Polito show with Danny Farrantino filling in for Jim. They talked about the AI, artificial intelligence, that the government is using to track and determine would be criminals, the risks of it, and President Trump not renewing the NSA surveillance program.

These and more tech tips, news, and updates visit - CraigPeterson.com

---

Related Articles:

National Security Agency Halts Surveillance Program Because Trump Won’t Renew It

These Cameras Can Spot Shoplifters Even Before They Steal
--- 

Transcript:

Below is a rush transcript of this segment, it might contain errors.

Airing date: 03/12/2019

Risks Of Government Controlled Artificial Intelligence

Craig Peterson: 0:00
Hey guys, Craig Peterson here. Hope you're having a great morning. This morning, I got to talk on the Jim Poliito show with Danny, the producer, because Jim is overseas. He's touring around Italy and France and a few other places, send it in little daily reports. But we talked this morning about the dangers of these new artificial intelligence systems being used by government and now being used by police department in California by the guys that used to be able to set bail and whether you get out on bail. And retailers to kind of save them a few bucks, in fact, billions of dollars by stopping shoplifting. So here we go with Danny.

Danny Farrantino 0:49
Who knows what that music means? It means it's time to get a little techie. And National Security Agency, the NSA, it appears Craig may be stopping some of these surveillance programs they've been doing over the past few years.

Craig 1:05
Yeah, this is a really interesting thing. And by the way, you know, Jim's over there. And obviously he's looking to see what are the people thinking in Italy and France? And what did they think of Americans, as you just mentioned, and I'm not sure that anyone's really thought this through. Because if somehow we're thinking that Jim is a good representation of your average American, there might be an issue there, Danny.

Danny 1:36
Well, unfortunately, my producer Steve out in Western Mass, told them all he needed to know was Prego, so he texted us this morning. And everyone in Rome thinks he's pregnant. He doesn't know what's going on.

Craig 1:51
Anthony. Alright sounds good. Well let's about the NSA program because this is astounding. It is not being covered in the general news out there. But it is a very, very big deal because the National Security Agency has been tracking Americans for years and years. That program was substantially increased during the Obama administration. And there were spying on every communication we had. They were collecting metadata, and they could use that to figure out where you were, basically figure out who you were, who you were talking to, they were recording calls, etc, etc. So President Trump comes into office, and all of a sudden the NSA decides what they've been doing might have been illegal. And so illegal in fact that some of these records that they knew they had collected that were way outside what the law allowed for. They deleted so they deleted like three years worth of data collection. Well, now, here we are, in 2019, this program, which was authorized under the so called USA Freedom Act, I love it, how they name some of these terrible acts like they're they're just wonderful patriotic things. But anyways.

Danny 3:12 
It's for the people, Craig.

Craig 3:14 
It is for the people. It requires reauthorization of the end of this year. And apparently what's happened is the NSA has decided that since President Trump doesn't like this program, and he doesn't like Americans being spied on illegally, that he is not going to renew this program. Now, this is this whole program that we found out because of the so called whistleblower and all of the data that he had released and very scary thing. But we found out about this and that the NSA is apparently going to dish this whole program, which they apparently have not had a single conviction because of this program. And we're talking hundreds of millions of dollars and actually, they were collecting so much data. Danny that in drove up the price of hard disks.

Danny 4:12 
Because they were taking them all. Wow.

Craig 4:13
Yeah, because they were taking them absolutely. So we found out about this from a guy named Luke Murray. He's a national security adviser to the House Minority Leader Kevin McCarthy. So in other words, we found out about this program going away. We found out that President Trump didn't like it that it probably wasn't going to be reauthorized from an assistant here to the House Minority Leader it's it's fascinating all the way around. Obviously the democrats have something to do with this as well because they may not pass it through the house President Trump doesn't like it he's already had a lot of this stuff shut down. Thank goodness they are finally starting to pay attention to what we the people want which has to be free in our communications in our papers to have privacy. You know we can give it up all we want to go to Amazon and Google and Facebook but that's us given it up it isn't our government spying on us?

Danny 5:15
Yeah, you know, some people making the argument well, if you're not doing anything wrong, who cares? But it's just kind of the general principle and then not only that, Craig but as you say, if they've had zero convictions with all of this data they've collected what what good has it done?

Craig 5:28
Yeah, it really hasn't done any good and when it gets down to that argument of well if you have nothing to hide but take a look at what's happened with the Mueller investigation where Muller excuse me investigation was thinking Bueller right Ferris Bueller. But with a smaller investigation where they were not investigating a crime they were investigating people and that's the sort of thing that happens in socialist governments if we know fascist, communist all versions of socialist I'm where you are investigated. And as has been said, show me the person I'll show you the crime. So if they if the government has all of this information, and with the hundreds of thousands of pages of rules, regulations, laws on the federal level, my goodness, the last half of the last year of the Obama administration we're talking about 50,000 new pages of regulations. We you know, my wife was a police officer and she said in the academy, she was a state trooper, in the academy they were told before you leave your home in the morning the on average you violated two to three laws having all of this just makes it so they can strong arm anyone and convict anyone of anything and that to me, that's just very scary.

Danny 6:50
Well, it brings up a point of you saying the government watching and me trying to find crimes or whatever else moving over to Japan. Now Japan trying to solve crimes before they even take place.

Craig 7:01
Yeah, this is a you know, something that we were warned about. Right. It's been a theme of, of our science fiction movies for many many years, you know, pre-crime with a Tom Cruise movie and many others that are out there but this is a whole new type of technology. We know that in in socialist China that they're monitoring everybody they've got cameras everywhere. They've now got this whole social credit thing. And if you say something negative against the government if you jaywalk, they're monitoring you. They know who you are, and they're taking away your right to travel because of what you say, if you're not politically correct. In China, you can even get on an airplane over there. It's really gotten bad. We're now looking at pre-crime in the US where we have  computer programs that have been analyzing all of our violent crime patterns. And the police are are sending police officers excuse me and investigatory teams into areas where the computers are saying, there's likely to be a crime here. I have real problems with that because, again, it's a computer. But I have even more problems, Danny, when in California, they're trying to get rid of bail bondsmen and in fact, they're trying to get rid of bail entirely. And what they're doing in California is they said, well, we've got a computer program and we'll just feed in all of the data about you. We'll feed in your social network comments. We'll feed in your travel history. We'll feed in your criminal history, and then the computer is going to come up and decide whether or not we should release you.

Danny 8:58
Oh, that sounds like a smart idea.

Craig 9:00
Isn't that brilliant? Now, how can you challenge that? You know, the computer program was written by programmers, are you going to be able to hold them into court? Are you going to be below examine every line of code? In fact, the people that wrote the programs are saying no, you can't have access to our source code, its proprietary. So now you're going to be judged by a piece of computer software that you cannot bring into court. You know, you can challenge a traffic ticket, but you can't challenge this in California. And now what you're talking about, I think in in Japan is this cameras being tied into yet another computer program. And these cameras are deciding whether or not they think to look shifty. Whether they think that you might be a shoplifter. So there they can tie into pretty much any computer or excuse me, any security system that's out there, and this software, it's a kind of a machine learning, AI and it's, again, out of Minority Report. And what they're saying is that retailers in the US and UK are, are are losing money, right, though they're losing about $34 billion a year in lost sales because of shoplifting. It accounts for about 2% of revenue. So in an industry where the margins are quite thin, it could save them a whole bunch of money. And so they're turning to this computer program that's going to watch you and decide whether or not it thinks you might be a shoplifter. Now, right now, they're saying the right way to do it is if it's if it's identifying someone that's looking around that that seems to have some body language that might indicate that they're shoplifter, they're saying, well, just send security over and ask that person if they need any help. And almost all always just having that person realize that they're being watched is enough for them not to shoplift. But what's the next step? You know, Danny, it's one thing to have socialist countries monitoring us. As President Trump pointed out, we're not a socialist country, well, at least he has, right? And having these technologies in place just makes it easy, that easy for the government to do things that take it to the next level of private business. Again, it's one thing for them to monitor you to warn you, but this is really getting me more and more concerned. When should computers be monitoring us? And what should they be doing? I don't mind them monitoring me for symptoms of a heart attack, because I'm wearing an Apple Watch and it might save my life. But the rest of this I'm I just don't like.

Danny 1:55
Especially when a lot of it is I guess, per se, at least an Apple Watch that's giving you a hard target data where something like this machine in Japan is we think maybe might be you might be guilty.

Craig 12:08
Yeah, or the software they're using a New York City to pre-place the police officers are in California to decide whether or not you might be a flight risk. It's we're going that way, Danny, it's going to be happening more and more. You got to bet that the legislature right here in the Commonwealth is looking at something like this pretty seriously as a way to save money and and track people maybe stop crime. I don't know where do we draw that line?

Danny 12:37
Unfortunately, you know, you want to keep people safe. But you also want to give people their own personal personal space as well. So and unfortunately, that line is very thin as you say Craig. Craig as always great stuff. Of course, we only got to about half of it. People want to hear more. What do they do?

Craig 12:52
All right, everybody. I am back to working on content here delivering on this huge course on cyber security, DIY cyber security. Anyways, take care. Have a great day. Bye bye.

---

Don't miss any episode from Craig. Visit http://CraigPeterson.com/itunes. Subscribe and give us a rating!

Thanks, everyone, for listening and sharing our podcasts. We're really hitting it out of the park. This will be a great year! 

More stories and tech updates at:

www.craigpeterson.com

Don't miss an episode from Craig. Subscribe and give us a rating:

www.craigpeterson.com/itunes

Follow me on Twitter for the latest in tech at:

www.twitter.com/craigpeterson

For questions, call or text:

855-385-5553

Craig is on with Jack Heath talking about the recent autonomous plane crashes. They also talked about autonomous cars and the NSA Surveillance Program.

These and more tech tips, news, and updates visit - CraigPeterson.com

---

Related Articles 

National Security Agency Halts Surveillance Program Because Trump Won’t Renew It

Self-Driving Cars Might Kill Auto Insurance As We Know It
---

Below is a rush transcript of this segment, it might contain errors.

Airing date: 03/11/2019

Autonomous Planes 737 Crash - NSA Surveillance Program

Craig Peterson 0:00
Good morning, everybody. It's another Monday an early Monday, I wish they would get rid of Daylight Savings Time, there has been a move in the northeast US to not only abolish Daylight Savings Time here, which again, there's all kinds of studies that show that it's bad for your health, this whole Daylight Savings Time shifting an hour here and there. Not a good thing. But turning that off, but also changing to a new time zone, creating one more time zone east of Eastern Time, which would put us in maritime time, which I am so for as well. And Maine and New Hampshire have alternately pass bills. But all the New England states are kind of relying on each other, because Maine won't it if Mass. doesn't do it or if New Hampshire doesn't do it, and you know, vice versa, typical political mess. And the only reason we have the time zones we have is because of the railroad and they decided to chop the country up to make their life a little bit easier to schedule the trains over 100 years ago. And then Congress fell in step and decided to adopt these time zones. It used to be that noon was it varied from city to city, and it was based on when your actual noon was based on the sun being directly overhead. So we had thousands of time zones across the country just too much for the railroad, too much for the federal government to handle. So that's where we got it from completely arbitrary. I would love for it to make way more sense. And if you look at even productivity numbers, the people's productivity based on where they live within a time zone, if they're on the eastern edge of the western edge, or in this sentence, and health impacts. It's huge. We've got to re examine this and we've got to get rid of the shifts in the time zone. That's just my opinion here. But heck, that's what you're here for. Right. We are going to go now to Mr. Jack Heath. Of course, talking with me, Craig Peterson about a couple of things. One, this new 737 crash that occurred in Ethiopia, what is happening with our jets? What are the technical concerns from my viewpoint on this, we also had a couple of minutes to talk about autonomous vehicles tying that into the airplanes and some credit the President Trump just does not getting over this National Security Agency data collection program. So here we go with Mr. Jack.

Jack Heath 2:52
Craig Peterso, our Tech Talk guy joins us on the Auto Fair listener lines. Good morning, Craig.

Craig 2:57
Hey, good morning, Jack. You know, look, this Boeing 737 Max 8 crash. It's kind of interesting in getting into the background of it, because these two crashes or they're looking into whether or not it was some faulty sensor data. Both of these planes crashed shortly after takeoff. And it brings up something that I've been concerned about for many years. And it really was me started with the Airbus planes where we have a heavy, heavy reliance on automation and was automation at least partly to blame because of bad sensors? So it looks like that's what the crash investigators are starting to look into right now. But that goes right back to us or automobiles. We've got these new self driving cars. We've got Elon Musk, saying that within the next year is Teslas are going to be upgradeable to be completely self driving and that brings up questions about the insurance market, insurance people. Who are they going to ensure?Is it the guys that wrote the software? The company they work for? The contractor that hired them? The companies that made the car which isn't really making the car anymore they're being assembled? We've got police now who are looking at maybe being able to take control of self driving cars. We have at least two cases now jack where drivers have fallen asleep behind those steering wheel with Tesla including one just a month ago with the autopilot engaged. There's so many questions eh?

Jack 4:33
I don't want a, did you just say eh? Did you hear the Canadian in Craig Peterson right there. He said, eh. Wow, eh? I was just saying I don't want Justin McIsaac having a driverless car.

Craig 4:49
Well, the way I look at it, Jack, in 20 years, you know, if you're 70, 80 years old, it's probably going to be safer to have an autonomous vehicle than having you drive the today it might be safer to have the autonomous vehicle than having Justin drive the car as you pointed out. But ultimately, ultimately, this is where it's going. And this is where the airplanes are going.

Jack 5:13
It's not me I'm worried about when I'm driving.

Craig 5:15 
Yeah, Justin, I know. I get it.

Jack 5:17 
No, no it's the other car though.

Craig 5:19 
It's Justin. Yeah.

Jack 5:20
He's no, he's a very, he's a very conscious driver. It's what he's what he does. But it's not his car that worries me.

Justin McIsaac 5:26 
I  can use the Apple and driving sometimes. Believe me, I can't wait for this.

Craig 5:32
It's going to be an interesting but a very rough road for the next few years. And the President Trump's administration is not getting much credit for the next thing here, which is, you know, this whole controversial NSA National Security Agency program that was scooping up data on all kinds of Americans, you know, domestic phone records and all Well, what's interesting to me on this is, of course, it was a whistleblower that let us know what the federal government was doing and monitoring us tracking us, etc. President Trump came into office, all of a sudden the NSA decided to destroy years worth of data. It had been collected on Americans because they admitted that some of it was illegal. Well, now that program is up for renewal. And they are concerned that President Trump is not going to renew it, because apparently that's what he's been saying. So we got word from a congressional aide. Now the National Security Agency has stopped their surveillance program, the monitoring all of us Americans, and also apparently this program has not yielded the arrest of even a single person. Although it's probably cost us more than a billion dollars plus our privacy. So interesting, interesting day this morning, Jack

Jack 7:00
All right, Craig. Thanks. Good stuff, eh? I appreciate it. Craig Peterson with an O-N. Thank you, Craig.

Craig 7:05
Take care.

Craig 7:06
Hey, I really enjoy doing these. I get up early I obviously have to do a lot of preparation. I send it off to the radio station so that they have an idea of what I've prepared and have some ideas of what t talk about. It's kind of tough if you're hosting a three four hour show every day. I've done it before and it can be tough.

Anyhow if you appreciate this and all of the work that I'm doing and bullied into this let me know it is truly a labor of love make sure you subscribe as well if you enjoy this because that helps other people find us. Go to http://CraigPeterson.com/iTunes. Hopefully I've earned a five star review from you. Please leave one if I have. And you can do that again http://CraigPeterson.com/iTunes and hit subscribe if you would. I'd appreciate it. Take care. Have a great day. We'll be back tomorrow.

---

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Craig is on with Jack Heath talking about the recent autonomous plane crashes. They also talked about autonomous cars and the NSA Surveillance Program.

These and more tech tips, news, and updates visit - CraigPeterson.com

---

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---

Below is a rush transcript of this segment, it might contain errors.

Airing date: 03/11/2019

Autonomous Planes 737 Crash - NSA Surveillance Program

Craig Peterson 0:00
Good morning, everybody. It's another Monday an early Monday, I wish they would get rid of Daylight Savings Time, there has been a move in the northeast US to not only abolish Daylight Savings Time here, which again, there's all kinds of studies that show that it's bad for your health, this whole Daylight Savings Time shifting an hour here and there. Not a good thing. But turning that off, but also changing to a new time zone, creating one more time zone east of Eastern Time, which would put us in maritime time, which I am so for as well. And Maine and New Hampshire have alternately pass bills. But all the New England states are kind of relying on each other, because Maine won't it if Mass. doesn't do it or if New Hampshire doesn't do it, and you know, vice versa, typical political mess. And the only reason we have the time zones we have is because of the railroad and they decided to chop the country up to make their life a little bit easier to schedule the trains over 100 years ago. And then Congress fell in step and decided to adopt these time zones. It used to be that noon was it varied from city to city, and it was based on when your actual noon was based on the sun being directly overhead. So we had thousands of time zones across the country just too much for the railroad, too much for the federal government to handle. So that's where we got it from completely arbitrary. I would love for it to make way more sense. And if you look at even productivity numbers, the people's productivity based on where they live within a time zone, if they're on the eastern edge of the western edge, or in this sentence, and health impacts. It's huge. We've got to re examine this and we've got to get rid of the shifts in the time zone. That's just my opinion here. But heck, that's what you're here for. Right. We are going to go now to Mr. Jack Heath. Of course, talking with me, Craig Peterson about a couple of things. One, this new 737 crash that occurred in Ethiopia, what is happening with our jets? What are the technical concerns from my viewpoint on this, we also had a couple of minutes to talk about autonomous vehicles tying that into the airplanes and some credit the President Trump just does not getting over this National Security Agency data collection program. So here we go with Mr. Jack.

Jack Heath 2:52
Craig Peterso, our Tech Talk guy joins us on the Auto Fair listener lines. Good morning, Craig.

Craig 2:57
Hey, good morning, Jack. You know, look, this Boeing 737 Max 8 crash. It's kind of interesting in getting into the background of it, because these two crashes or they're looking into whether or not it was some faulty sensor data. Both of these planes crashed shortly after takeoff. And it brings up something that I've been concerned about for many years. And it really was me started with the Airbus planes where we have a heavy, heavy reliance on automation and was automation at least partly to blame because of bad sensors? So it looks like that's what the crash investigators are starting to look into right now. But that goes right back to us or automobiles. We've got these new self driving cars. We've got Elon Musk, saying that within the next year is Teslas are going to be upgradeable to be completely self driving and that brings up questions about the insurance market, insurance people. Who are they going to ensure?Is it the guys that wrote the software? The company they work for? The contractor that hired them? The companies that made the car which isn't really making the car anymore they're being assembled? We've got police now who are looking at maybe being able to take control of self driving cars. We have at least two cases now jack where drivers have fallen asleep behind those steering wheel with Tesla including one just a month ago with the autopilot engaged. There's so many questions eh?

Jack 4:33
I don't want a, did you just say eh? Did you hear the Canadian in Craig Peterson right there. He said, eh. Wow, eh? I was just saying I don't want Justin McIsaac having a driverless car.

Craig 4:49
Well, the way I look at it, Jack, in 20 years, you know, if you're 70, 80 years old, it's probably going to be safer to have an autonomous vehicle than having you drive the today it might be safer to have the autonomous vehicle than having Justin drive the car as you pointed out. But ultimately, ultimately, this is where it's going. And this is where the airplanes are going.

Jack 5:13
It's not me I'm worried about when I'm driving.

Craig 5:15 
Yeah, Justin, I know. I get it.

Jack 5:17 
No, no it's the other car though.

Craig 5:19 
It's Justin. Yeah.

Jack 5:20
He's no, he's a very, he's a very conscious driver. It's what he's what he does. But it's not his car that worries me.

Justin McIsaac 5:26 
I  can use the Apple and driving sometimes. Believe me, I can't wait for this.

Craig 5:32
It's going to be an interesting but a very rough road for the next few years. And the President Trump's administration is not getting much credit for the next thing here, which is, you know, this whole controversial NSA National Security Agency program that was scooping up data on all kinds of Americans, you know, domestic phone records and all Well, what's interesting to me on this is, of course, it was a whistleblower that let us know what the federal government was doing and monitoring us tracking us, etc. President Trump came into office, all of a sudden the NSA decided to destroy years worth of data. It had been collected on Americans because they admitted that some of it was illegal. Well, now that program is up for renewal. And they are concerned that President Trump is not going to renew it, because apparently that's what he's been saying. So we got word from a congressional aide. Now the National Security Agency has stopped their surveillance program, the monitoring all of us Americans, and also apparently this program has not yielded the arrest of even a single person. Although it's probably cost us more than a billion dollars plus our privacy. So interesting, interesting day this morning, Jack

Jack 7:00
All right, Craig. Thanks. Good stuff, eh? I appreciate it. Craig Peterson with an O-N. Thank you, Craig.

Craig 7:05
Take care.

Craig 7:06
Hey, I really enjoy doing these. I get up early I obviously have to do a lot of preparation. I send it off to the radio station so that they have an idea of what I've prepared and have some ideas of what t talk about. It's kind of tough if you're hosting a three four hour show every day. I've done it before and it can be tough.

Anyhow if you appreciate this and all of the work that I'm doing and bullied into this let me know it is truly a labor of love make sure you subscribe as well if you enjoy this because that helps other people find us. Go to http://CraigPeterson.com/iTunes. Hopefully I've earned a five star review from you. Please leave one if I have. And you can do that again http://CraigPeterson.com/iTunes and hit subscribe if you would. I'd appreciate it. Take care. Have a great day. We'll be back tomorrow.

---

More stories and tech updates at:

www.craigpeterson.com

Don't miss an episode from Craig. Subscribe and give us a rating:

www.craigpeterson.com/itunes

Message Input:

Message #techtalk

Follow me on Twitter for the latest in tech at:

www.twitter.com/craigpeterson

For questions, call or text:

855-385-5553

Should police have the ability to control your car? We're going to talk about automakers are talking about giving police control over your car.

Pay with cash? Not in Britain. Britain and some other European countries are moving towards a cashless society. What does it mean?

Remote skimming of your Credit Cards. The Secret Service is warning about High Tech Thieves using this tactic.

Auto insurance and Autonomous Vehicles. We'll be talking about that and what's happening with auto insurance when it comes to these new self-driving cars.

Ransomware what's happened to it, why don't we heard as much about it anymore.

The National Security Agency, NSA, halted that surveillance program. We will be talking about that they had that surveillance program that Edward Snowden really got in trouble for.

Cameras that watch for prospective shoplifters? Yes, cameras with AI software designed specifically to spot shoplifters even before they steal.

For more tech tips, news, and updates visit - CraigPeterson.com

---

Transcript:

Below is a rush transcript of this segment, it might contain errors.

Airing date: 03/09/2019

Trump Halts NSA Surveillance Program - AI Spotting Shoplifters - Autonomous Vehicles Police And Insurance

Craig Peterson: 0:00 
Hey, it's that music must mean it is time for me to get going. Good morning everybody. Everyone who's tuning in on the radio, listening on the iHeart app or even listening to the podcast. It's a lot of fun. I'm honored to be here every week and I get so many great comments from people thanking me for everything I do and I do try hard as they say, right Avis - we try harder. I try hard to get you all of the information you need to know and help you out. From putting on those master classes for you and trying to do all of this stuff without the sponsorship, that personally I kind of find a little bit annoying but you know that's the price right? You have to pay for the time on the air etc., etc. So I'll

Anyhow, you are tuned in for the half hour we have today. We're going to talk about automakers here giving police control over your car. What's happening with that. Britain and some other European countries are moving towards a cashless society. How about ours? What does it mean? We get another warning out from the Secret Service about high tech thieves, and how they're doing remote skimming now of your credit cards.

Auto insurance. This came up this week I was chatting with someone. So, I found a really great article on Bloomberg that I shared on my website. We'll be talking about that and what's happening with auto insurance when it comes to these new self-driving cars. Yes, indeed, this is going to be a very big deal especially for those smaller insurance guys who are out there. Ransomware what's happening what's happened to it, why don't we heard as much about it anymore. The National Security Agency

NSA, they have halted that surveillance program. We will be talking about that they had that surveillance program that Edward Snowden really got in trouble for. These cameras are designed to spot shoplifters even before they steal. And the whole concept of artificial intelligence came up this week as well when I was chatting with a couple of different radio stations and also a little bit on my show last week. So, let's get started with that. The NSA, we know that they threw a huge net out there, they were doing bulk data collection on U.S. domestic phone records. It was abused apparently by the feds multiple times. It looks like the Obama administration might have abused it as well. And under the so-called USA Freedom Act, which was put in place by the way to replace the act that had been in effect since 911.

So, the USA Freedom Act. It requires reauthorization at the end of the year, and President Trump is saying that he doesn't want to extend it. Isn't it interesting how the tables have turned? You know, we've had the Democrats screaming about privacy, about all of these things for so many years. And now it's come out that of course, they are the party of no free speech. Just try and say something against them, see what happens to you. We just had had a case of a guy on campus out at UC Berkeley, getting just cold-cocked right in the face because of his exercise of free speech. And when it comes to free speech, of course, now the Democrats are introducing a law that would put in place an old FCC rule that they had under the Obama administration that actually hurt the development of the internet. Well, I'm sure I'll end up talking about that in a future show as well.

But President Trump apparently is not looking to extend it. Not at all. That's according to Luke Murray and he's the National Security Advisor. And what's interesting too, is he's a security adviser to the Minority Leader, Kevin McCarthy.

Now, this didn't come out of the White House. So, who knows exactly what's going to happen. But the New York Times is reporting on this. CNN is reporting on this and if the left is reporting on it. Well, I guess they want it in place, right. They want to be able to monitor their opponents, their so-called enemies. Well, the NSA last year disclosed it had found technical problems with the program that led to the collection of records on U.S. persons didn't have the authority to collect while da they were collecting absolutely everything. Remember, they said, oh, we're just collecting phone metadata doesn't really matter. It's not a big deal. And then it turned out well, yes, metadata, in fact, can be used to figure out who you are who you're talking to.

Where you were, track you around, okay. Very, very big deal to collect that metadata. Well, according to Murray, he said that the administration actually hasn't been using it for the past six months because of problems in which way the information was collected. You remember last year and reported late last year in 2018, that the NSA had destroyed volumes, just tons of the data they had been collecting under the order. Of course, the new Trump administration because you can't monitor people, right? We're supposed to be safe. We're supposed to have privacy in our papers and our persons. It's just crazy how far it's gone. He said, it possibly is collecting information on US citizens the way it was transferred from private companies to the administration after they got to FISA court approval. And we know there have been some serious issues with the FISA court approvals based on what we're starting to hear about the FISA court warrants.

And you know me I've been against these all of the time I've called them star-chamber proceedings because there's there's no way to defend yourself. Now it's not quite the same as a grand jury we're obviously you can't defend yourself in a grand jury, either, right and the grand jury You know the old statement that you can indict a ham sandwich with the grand jury. Absolutely true. But when it comes to the grand jury, now it starts the whole legal process and it starts out in the open with the FISA court everything is top secret which is what? It's an absolute probability that we are going to get some abuses of the system, right? Is it that the way that always ends up going so Murray also noted that reauthorizing the program would be challenging he says I'm not actually certainly administration will want to start that the back up where they've been the last six months in other words

The Trump administration came in saw the abuses that were occurring, saw the problems with the data and stopped the program. They destroyed a lot of the data that was illegally collected on US citizens, US persons. And they have not been using the data. And you remember testimony on this whole thing from the National Security director in front of Congress saying that they had not indicted a single person. Had not made a single arrest because of the data that had been collected in this program. And yet, there's so much data being collected and stored that it actually drove up the price of hard disks in the United States. Because all of this data was being collected and stored there, most of it in Utah at the point of the mountain. The whole thing is just nuts. You know, anyways, you get me going here on a Saturday morning. Let's move on to another topic here that's going to get me going when it comes to shoplifters and AI

Well, you know, artificial intelligence, AI, what it's all about. There's a great article in Bloomberg, you'll find on my website.

Okay. It's from Bloomberg. And it's talking about this Japanese startup called VAAK. VAAK has developed what they're calling artificial intelligence software. And this software is designed to look at people to watch the footage. And from that footage, try to hunt for potential shoplifters. We've talked before about some of the programs that are in place, a software that's being used by police departments here in the US and around the world. And the software that is trying to predict where crime is going to occur next. Frankly, pretty darn scary stuff there is no two ways about it. And now this startup is saying that they can use footage from regular security cameras.

And what it does is it looks for people who are fidgeting, who are restless, and other potentially suspicious body languages. And I'll go into any detail about what that actually means. But this really does remind me of the movie Minority Report. We keep going back to that, don't we? Where we've got algorithms here instead of the three people who can see into the future. We got algorithms analyzing the security camera footage and then what it does is alert staff about potential thieves and it does it via a smartphone app. So, think about what they've been doing over in Vegas for so long where they're monitoring everybody on the floor the looking for people who are trying to game the gaming system out there. And they have the security guards running around and you do something they don't like and you're going to the very least be ejected Well, in this case, the goal is prevention. And what happens here is if the targets approached and asked if they need help.

They found that it's a good chance that the theft never happens. So, they have a smartphone app that the security people are carrying around, the loss prevention people, and they see somebody is looking a little fidgety. The app automatically informs them. They go over and just say Hey, need any help. And that's about all it takes. Now we're talking about real money. Shoplifting costs the global retail industry about $34 billion in lost sales in 2017. It's crazy and that's the biggest shortage source, excuse me, of shrinkage. Of course, there's a lot of shrinkages. It goes out the back door of the store as well. But the biggest one is people who are stealing and that amounts by the way to 2% of revenue. That's a huge chunk of revenue when you get right down to it. And the whole retail industry is known for very narrow, very thin margins.

So, when you're talking about 2% of revenue, it's hurting them dramatically. But the other side is if they can stop it that opportunity is absolutely huge. And they're projecting that retailers are going to invest about $200 billion in new tech this year. That's according to Gartner. And they'll probably become more open to embracing technology to meet consumer needs. Interesting stuff isn't it and you know we're being tracked as we walk around the stores our smartphones are being used to track as if you've got an iPhone a more recent iPhone they really can't track you very well, they don't know when you're re-entering the store but this company got founded and funded to the tune of about a half a million dollars and it's the middle of a series A seeking to raise $10 million or more courses all Japanese yen I'm doing quick comparisons and translations in my head, as we're going along, so, we'll see what happens there.

And you can expect to be monitored by this software or something very similar to it next time you go shopping because some of this is already out there. And they're using it, the police departments to determine who might be a terrorist. They're comparing our faces to the National Crime NCIC information computer system. Where all of our data is being shared. A lot of states take our drivers licenses and share that information. I still don't have a regular driver's license that has the TSA compatible components on it. Because I don't want the state to keep my picture although that means I have to have a passport as well in order to in order to have that ability to fly.

Although I try not to fly, whenever possible. So, let's talk about our cars here for a second and the police and these new autonomous vehicles.

By now everybody's heard of Elon Musk, and you've heard of his cars, the Tesla's and and I remember a few years back talking about how Consumer Reports, of course, reports on cars and how they had a very high rating and how the National Transportation Safety Board, when they tested the Tesla Model S for safety, it basically broke their whole system because it performed so well. They had to revise and to change the way they measure the safety of cars because Tesla was just so good. Well, now we've got a few issues with Tesla, first of all, Consumer Reports has put all models of Tesla on their lower, do not buy lists from their top list, which is kind of a shocker. And that's due to the long term effects of owning a Tesla, the longevity.

Where part start to fail how expensive they are, if you bought a Tesla you probably notice how crazy expensive the insurance is. Because it's expensive to repair a Tesla. Which I guess makes sense there aren't a lot of them and there aren't dealers everywhere. There's no competitive market for Tesla parts. Now we've got Elon Musk, making a statement that truly got some people concerned. And he's kind of backtracked that statement a little bit. But Elon Musk was talking about how our Tesla's within a year or so, is going to be completely autonomous. They are going to be completely self-driving, even on side roads. And there's debate as to whether or not that's even possible at this point in time that Tesla doesn't have the same sorts of sensors that the other fully autonomous vehicles that are currently on the road being tested. It doesn't have the same types of sensors with LIDAR and other things.

So, can they actually do it? And, and that's where he kind of backtracked a little bit. Well, when we have these autonomous vehicles, there are so many questions that come up, and we're going to talk about two of them right now. One of them is should police have the ability to control your self-driving car? Bloomberg published a story last Wednesday about how our autonomous vehicle should interact with law enforcement. Because there was a story that came out back in December 2018 about a driver who fell asleep behind the wheel of a Tesla with his autopilot engaged. And apparently, the driver was drunk I guess is what was going on. But at any rate, he fell asleep. So, that Tesla is driving down the highway and the police are trying to pull it over and they cannot pull it over.

So, they're trying to figure out what what-what do we do here, the drivers intoxicated, he's falling asleep behind the wheel, the cars driving down the highway at whatever speed was driving at the time. This is a problem that autonomous vehicle manufacturers are going to have to address. And it's also something Law enforcement going to have to try and figure out as well. Now it's one thing if it's a completely autonomous vehicle, you look at some of those stuff like Mercedes has, there's no steering wheel, there's no driver you get in where you are "fall on the floor" drunk or you are wide awake, working on business stuff, you have no responsibility to control the car. The car can be pre-programmed to take you somewhere which would happen in the case of like a like an almost a taxi service saying, pick me up here. Drop me off there and off it goes. Right. That's what Uber is aiming for. We have also privately owned vehicles and we can do this thing like Take me home. And so the car just takes you home, right? And life hopefully is good.

Well, should the car be monitoring you? If you're vomiting? Should the car redirect itself to the hospital should it be monitoring your pulse and respiration, to know that, hey, you just had a heart attack, I need to take you to the hospital. You know, how far does the responsibility of the autonomous vehicle and it's manufacturer and software developer, how far does that responsibility actually extend.

Very, very good questions here and man, we are going to have some fun as time goes forward as we try and answer these. So, going back to December 2018, you got a drunk driver in a Tesla sound asleep. Normally what would happen that car would be involved in a wreck. Someone else might be terribly injured. A whole family might be killed. Heaven knows that

It's happened before. Now that cars just driving down the road all by itself and the police officer notices the guys asleep. So what they did is the police went and blocked the car in. So they got in front of the car. They got behind the car. They got beside the car on both sides. And they just slowed down. And the Tesla sensors said okay, was nothing I can do here. I have to slow down I can't change lanes. And so the Tesla ended up stopping which makes sense, right.

But should that Tesla notice those flashing lights? Should that Tesla have had the ability for the police officers to say, stop and pull over, Right? How far should have been able to go? and if that car has the smarts to stop for flashing light, what's to stop a bad guy from just using the strobe in their car to have, you know the car in front of them pull over. So, that they can molest someone or what whatever it is the bad guy wants to do.

And even if it's not based on the flashing lights, which it would kind of have to be, initially. Because we're not going to have the control systems in the police vehicles, but if the police vehicles now do have those control systems and they can pull the car over with just a remote command. Wants to say that again, the bad guys aren't going to try and hack those. So, very murky legal territory. If you own that car, should the police have the ability and the right to control that car and how far should that go?

Particularly, if that vehicle and or the driver of the vehicle is not doing anything illegal? So? you're just driving down the road everything's wonderful. You are being all the speed limits all of the traffic signs, you are not being erratic, you're not zooming past people. Should the police be able to pull you over at that point?

Kind of goes back to, I guess, the checkpoint things, right? Should you have to stop at a sobriety checkpoint even though you know that you are sober. and I don't like those personally either, because even though I never drink and drive, and I've never been drunk, even though that that has never happened to me, I still resent these things because it is truly an invasion of privacy.

Very interesting questions, Isn't it? Very interesting. We already have police departments that have these remote controlled little race car type things that they can launch from underneath their car. And what happens is they drive it underneath the car in front of them. So, it's this little, think of this little RC cars, you know that you had remote control cars, that you're driving out there. Well, they have in the middle do 80 miles an hour. So, it goes right up under your car and then it sets off an electromagnetic pulse, which of course shut off your engine if you're driving a modern car.

And now your engine shut off and you have to stop because there's no engine anymore, right? Should they be allowed to do that? Well, they're already doing that in some jurisdictions. Now we got another point here when we're talking about self-driving cars and I think friends of mine that are in the insurance business and I start getting really kind of worried.

A Tesla Model X in Southern California. If you were to buy that, the insurance premium at least this is a few years ago, was about $10,000 a year.

Now, I mentioned already why Tesla's are so expensive? Because they're very expensive to fix. You can get into a five mile an hour accident, a fender bender basically in the Tesla and it can cost you five to 10 grand to get that fixed. Okay. It's a very big deal, but there's also the limited self-driving, what they call autopilot mode on the autonomous vehicles.

Now, there are more and more sensors that are getting built into these things, but the underwriters and the actuaries are trying to figure out, how do they handle this new type of risk before it was you, you were in control, and either your equipment failed. And you know, your brakes didn't work, you couldn't steer your tire blew out, whatever it might be, and they know what those numbers look like because they've got a century-plus worth of data.

Simple enough, right? Well, how about you as a driver? Well, they've got information on you as well and nowadays are using credit checks and everything else, which I think is nuts in order to come up with your insurance rate. But they've got all of this data and there's very few Model X's on the road. So, how do they figure that out? And then the bigger question when we start looking at this, it was addressed.

This is really great, Deloitte, you probably familiar with that company, in 2019 insurance outlook report, they said the rise of connectivity has generated a massive amount of real-time data and turned the insurer's relationship with policyholders from static and transactional to dynamic and interactive.

So, what this means is basically everything has changed. We're now transitioning that transitions is just starting now. If your autonomous vehicle is in an accident, who's responsible? Do you even need to have insurance anymore? No, you might have medical insurance, you might have some sort of collision insurance kind of a gap insurance sort of thing for you. For your medical expenses or for the medical expenses of other people in your vehicle.

But even then, who should be responsible for the medical expenses, because the tables we have right now that the insurance companies are using to figure out our liability and how much they should be charging us, those are based on more than 90% of accidents are caused by human error.

So, if you take the driver out of the equation when it comes to the accident itself. We're talking about big changes for insurers because 90% of that whole market transaction is changing. So, this is absolutely huge. They're forecasting trouble for insurers as automation becomes more widespread. Premiums could drop, they're saying maybe 12% or so by 2035. I think they should probably drop more than that. But who carries the insurance is the person who owns the vehicle? Is it the person who's in the vehicle operating it? quote unquote, even though they may not even have a steering wheel.

Is it the manufacturer of the car, that should be liable? Is it the people who wrote the software? Is the company that was contracted to write the software? And remember, there isn't just one piece of software, there are dozens of computers and I mean, dozens and dozens and dozens of computers in a modern car, each one of them could fail. Is that the manufacturer of the CANBUS or whatever the buses all of these computers are using to talk to each other? Who has the liability? So, as automation levels in these cars reach level.s four and five, where you have complete fully autonomous, no human involvement.

Insurance is going to change dramatically. So, what about the local guy that's been selling new insurance for your vehicle, forever?

Isn't that interesting? You're still going to have some insurance I'm sure that's never going to go away but in this case, the driver won't be the risky part. The liability is really going to migrate to the manufacturer. The licensees of the software. It's just going to change.

Nationwide is one insurance company that's starting to think about the problem and I'm sure, frankly, all of them are but Nationwide's come up with some interesting stuff. So, check out online Craig Peterson dot com, you are going to find an article here that you've got to read. This is from QZ dot com. Britain is moving to a cashless society. So, what happens to poor people who don't have bank accounts, credit cards. Who doesn't have access to that? Sweden already is a great example of how not to get rid of cash. Most of the banks in the country of Sweden don't accept paper money or coins. Same things true of a lot of restaurants and stores, even public toilets. How about the elderly. The poor, people with handicaps. Okay, what's going to happen

Unknown 27:00
of them in cash isn't available. Got to think about all of this stuff. The government likes the idea because it's easier for them to track and make sure people aren't cheating. But on the other hand, I'm not sure that this is such a great idea. And you know me, right. I am a cash kinda guy. Anyhow, have a great day we will be back next week and tune in every day if you're not already on my podcast. Have a look for it you'll find me Craig Peterson dot com slash iTunes you can go to Craig Peterson comm slash almost anything Facebook or Twitter or I think SoundCloud TUNE IN JUST Craig Peterson dot com slash iTunes and let me know what you think. Leave a message say hello and have a great week. Make sure you check this morning's email you should have gotten my newsletter which is at Craig Peterson dot com slash subscribe comes out every week.

Have a great day. Take care. Bye-bye.

--- 

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---

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Should police have the ability to control your car? We're going to talk about automakers are talking about giving police control over your car.

Pay with cash? Not in Britain. Britain and some other European countries are moving towards a cashless society. What does it mean?

Remote skimming of your Credit Cards. The Secret Service is warning about High Tech Thieves using this tactic.

Auto insurance and Autonomous Vehicles. We'll be talking about that and what's happening with auto insurance when it comes to these new self-driving cars.

Ransomware what's happened to it, why don't we heard as much about it anymore.

The National Security Agency, NSA, halted that surveillance program. We will be talking about that they had that surveillance program that Edward Snowden really got in trouble for.

Cameras that watch for prospective shoplifters? Yes, cameras with AI software designed specifically to spot shoplifters even before they steal.

For more tech tips, news, and updates visit - CraigPeterson.com

---

Transcript:

Below is a rush transcript of this segment, it might contain errors.

Airing date: 03/09/2019

Trump Halts NSA Surveillance Program - AI Spotting Shoplifters - Autonomous Vehicles Police And Insurance

Craig Peterson: 0:00 
Hey, it's that music must mean it is time for me to get going. Good morning everybody. Everyone who's tuning in on the radio, listening on the iHeart app or even listening to the podcast. It's a lot of fun. I'm honored to be here every week and I get so many great comments from people thanking me for everything I do and I do try hard as they say, right Avis - we try harder. I try hard to get you all of the information you need to know and help you out. From putting on those master classes for you and trying to do all of this stuff without the sponsorship, that personally I kind of find a little bit annoying but you know that's the price right? You have to pay for the time on the air etc., etc. So I'll

Anyhow, you are tuned in for the half hour we have today. We're going to talk about automakers here giving police control over your car. What's happening with that. Britain and some other European countries are moving towards a cashless society. How about ours? What does it mean? We get another warning out from the Secret Service about high tech thieves, and how they're doing remote skimming now of your credit cards.

Auto insurance. This came up this week I was chatting with someone. So, I found a really great article on Bloomberg that I shared on my website. We'll be talking about that and what's happening with auto insurance when it comes to these new self-driving cars. Yes, indeed, this is going to be a very big deal especially for those smaller insurance guys who are out there. Ransomware what's happening what's happened to it, why don't we heard as much about it anymore. The National Security Agency

NSA, they have halted that surveillance program. We will be talking about that they had that surveillance program that Edward Snowden really got in trouble for. These cameras are designed to spot shoplifters even before they steal. And the whole concept of artificial intelligence came up this week as well when I was chatting with a couple of different radio stations and also a little bit on my show last week. So, let's get started with that. The NSA, we know that they threw a huge net out there, they were doing bulk data collection on U.S. domestic phone records. It was abused apparently by the feds multiple times. It looks like the Obama administration might have abused it as well. And under the so-called USA Freedom Act, which was put in place by the way to replace the act that had been in effect since 911.

So, the USA Freedom Act. It requires reauthorization at the end of the year, and President Trump is saying that he doesn't want to extend it. Isn't it interesting how the tables have turned? You know, we've had the Democrats screaming about privacy, about all of these things for so many years. And now it's come out that of course, they are the party of no free speech. Just try and say something against them, see what happens to you. We just had had a case of a guy on campus out at UC Berkeley, getting just cold-cocked right in the face because of his exercise of free speech. And when it comes to free speech, of course, now the Democrats are introducing a law that would put in place an old FCC rule that they had under the Obama administration that actually hurt the development of the internet. Well, I'm sure I'll end up talking about that in a future show as well.

But President Trump apparently is not looking to extend it. Not at all. That's according to Luke Murray and he's the National Security Advisor. And what's interesting too, is he's a security adviser to the Minority Leader, Kevin McCarthy.

Now, this didn't come out of the White House. So, who knows exactly what's going to happen. But the New York Times is reporting on this. CNN is reporting on this and if the left is reporting on it. Well, I guess they want it in place, right. They want to be able to monitor their opponents, their so-called enemies. Well, the NSA last year disclosed it had found technical problems with the program that led to the collection of records on U.S. persons didn't have the authority to collect while da they were collecting absolutely everything. Remember, they said, oh, we're just collecting phone metadata doesn't really matter. It's not a big deal. And then it turned out well, yes, metadata, in fact, can be used to figure out who you are who you're talking to.

Where you were, track you around, okay. Very, very big deal to collect that metadata. Well, according to Murray, he said that the administration actually hasn't been using it for the past six months because of problems in which way the information was collected. You remember last year and reported late last year in 2018, that the NSA had destroyed volumes, just tons of the data they had been collecting under the order. Of course, the new Trump administration because you can't monitor people, right? We're supposed to be safe. We're supposed to have privacy in our papers and our persons. It's just crazy how far it's gone. He said, it possibly is collecting information on US citizens the way it was transferred from private companies to the administration after they got to FISA court approval. And we know there have been some serious issues with the FISA court approvals based on what we're starting to hear about the FISA court warrants.

And you know me I've been against these all of the time I've called them star-chamber proceedings because there's there's no way to defend yourself. Now it's not quite the same as a grand jury we're obviously you can't defend yourself in a grand jury, either, right and the grand jury You know the old statement that you can indict a ham sandwich with the grand jury. Absolutely true. But when it comes to the grand jury, now it starts the whole legal process and it starts out in the open with the FISA court everything is top secret which is what? It's an absolute probability that we are going to get some abuses of the system, right? Is it that the way that always ends up going so Murray also noted that reauthorizing the program would be challenging he says I'm not actually certainly administration will want to start that the back up where they've been the last six months in other words

The Trump administration came in saw the abuses that were occurring, saw the problems with the data and stopped the program. They destroyed a lot of the data that was illegally collected on US citizens, US persons. And they have not been using the data. And you remember testimony on this whole thing from the National Security director in front of Congress saying that they had not indicted a single person. Had not made a single arrest because of the data that had been collected in this program. And yet, there's so much data being collected and stored that it actually drove up the price of hard disks in the United States. Because all of this data was being collected and stored there, most of it in Utah at the point of the mountain. The whole thing is just nuts. You know, anyways, you get me going here on a Saturday morning. Let's move on to another topic here that's going to get me going when it comes to shoplifters and AI

Well, you know, artificial intelligence, AI, what it's all about. There's a great article in Bloomberg, you'll find on my website.

Okay. It's from Bloomberg. And it's talking about this Japanese startup called VAAK. VAAK has developed what they're calling artificial intelligence software. And this software is designed to look at people to watch the footage. And from that footage, try to hunt for potential shoplifters. We've talked before about some of the programs that are in place, a software that's being used by police departments here in the US and around the world. And the software that is trying to predict where crime is going to occur next. Frankly, pretty darn scary stuff there is no two ways about it. And now this startup is saying that they can use footage from regular security cameras.

And what it does is it looks for people who are fidgeting, who are restless, and other potentially suspicious body languages. And I'll go into any detail about what that actually means. But this really does remind me of the movie Minority Report. We keep going back to that, don't we? Where we've got algorithms here instead of the three people who can see into the future. We got algorithms analyzing the security camera footage and then what it does is alert staff about potential thieves and it does it via a smartphone app. So, think about what they've been doing over in Vegas for so long where they're monitoring everybody on the floor the looking for people who are trying to game the gaming system out there. And they have the security guards running around and you do something they don't like and you're going to the very least be ejected Well, in this case, the goal is prevention. And what happens here is if the targets approached and asked if they need help.

They found that it's a good chance that the theft never happens. So, they have a smartphone app that the security people are carrying around, the loss prevention people, and they see somebody is looking a little fidgety. The app automatically informs them. They go over and just say Hey, need any help. And that's about all it takes. Now we're talking about real money. Shoplifting costs the global retail industry about $34 billion in lost sales in 2017. It's crazy and that's the biggest shortage source, excuse me, of shrinkage. Of course, there's a lot of shrinkages. It goes out the back door of the store as well. But the biggest one is people who are stealing and that amounts by the way to 2% of revenue. That's a huge chunk of revenue when you get right down to it. And the whole retail industry is known for very narrow, very thin margins.

So, when you're talking about 2% of revenue, it's hurting them dramatically. But the other side is if they can stop it that opportunity is absolutely huge. And they're projecting that retailers are going to invest about $200 billion in new tech this year. That's according to Gartner. And they'll probably become more open to embracing technology to meet consumer needs. Interesting stuff isn't it and you know we're being tracked as we walk around the stores our smartphones are being used to track as if you've got an iPhone a more recent iPhone they really can't track you very well, they don't know when you're re-entering the store but this company got founded and funded to the tune of about a half a million dollars and it's the middle of a series A seeking to raise $10 million or more courses all Japanese yen I'm doing quick comparisons and translations in my head, as we're going along, so, we'll see what happens there.

And you can expect to be monitored by this software or something very similar to it next time you go shopping because some of this is already out there. And they're using it, the police departments to determine who might be a terrorist. They're comparing our faces to the National Crime NCIC information computer system. Where all of our data is being shared. A lot of states take our drivers licenses and share that information. I still don't have a regular driver's license that has the TSA compatible components on it. Because I don't want the state to keep my picture although that means I have to have a passport as well in order to in order to have that ability to fly.

Although I try not to fly, whenever possible. So, let's talk about our cars here for a second and the police and these new autonomous vehicles.

By now everybody's heard of Elon Musk, and you've heard of his cars, the Tesla's and and I remember a few years back talking about how Consumer Reports, of course, reports on cars and how they had a very high rating and how the National Transportation Safety Board, when they tested the Tesla Model S for safety, it basically broke their whole system because it performed so well. They had to revise and to change the way they measure the safety of cars because Tesla was just so good. Well, now we've got a few issues with Tesla, first of all, Consumer Reports has put all models of Tesla on their lower, do not buy lists from their top list, which is kind of a shocker. And that's due to the long term effects of owning a Tesla, the longevity.

Where part start to fail how expensive they are, if you bought a Tesla you probably notice how crazy expensive the insurance is. Because it's expensive to repair a Tesla. Which I guess makes sense there aren't a lot of them and there aren't dealers everywhere. There's no competitive market for Tesla parts. Now we've got Elon Musk, making a statement that truly got some people concerned. And he's kind of backtracked that statement a little bit. But Elon Musk was talking about how our Tesla's within a year or so, is going to be completely autonomous. They are going to be completely self-driving, even on side roads. And there's debate as to whether or not that's even possible at this point in time that Tesla doesn't have the same sorts of sensors that the other fully autonomous vehicles that are currently on the road being tested. It doesn't have the same types of sensors with LIDAR and other things.

So, can they actually do it? And, and that's where he kind of backtracked a little bit. Well, when we have these autonomous vehicles, there are so many questions that come up, and we're going to talk about two of them right now. One of them is should police have the ability to control your self-driving car? Bloomberg published a story last Wednesday about how our autonomous vehicle should interact with law enforcement. Because there was a story that came out back in December 2018 about a driver who fell asleep behind the wheel of a Tesla with his autopilot engaged. And apparently, the driver was drunk I guess is what was going on. But at any rate, he fell asleep. So, that Tesla is driving down the highway and the police are trying to pull it over and they cannot pull it over.

So, they're trying to figure out what what-what do we do here, the drivers intoxicated, he's falling asleep behind the wheel, the cars driving down the highway at whatever speed was driving at the time. This is a problem that autonomous vehicle manufacturers are going to have to address. And it's also something Law enforcement going to have to try and figure out as well. Now it's one thing if it's a completely autonomous vehicle, you look at some of those stuff like Mercedes has, there's no steering wheel, there's no driver you get in where you are "fall on the floor" drunk or you are wide awake, working on business stuff, you have no responsibility to control the car. The car can be pre-programmed to take you somewhere which would happen in the case of like a like an almost a taxi service saying, pick me up here. Drop me off there and off it goes. Right. That's what Uber is aiming for. We have also privately owned vehicles and we can do this thing like Take me home. And so the car just takes you home, right? And life hopefully is good.

Well, should the car be monitoring you? If you're vomiting? Should the car redirect itself to the hospital should it be monitoring your pulse and respiration, to know that, hey, you just had a heart attack, I need to take you to the hospital. You know, how far does the responsibility of the autonomous vehicle and it's manufacturer and software developer, how far does that responsibility actually extend.

Very, very good questions here and man, we are going to have some fun as time goes forward as we try and answer these. So, going back to December 2018, you got a drunk driver in a Tesla sound asleep. Normally what would happen that car would be involved in a wreck. Someone else might be terribly injured. A whole family might be killed. Heaven knows that

It's happened before. Now that cars just driving down the road all by itself and the police officer notices the guys asleep. So what they did is the police went and blocked the car in. So they got in front of the car. They got behind the car. They got beside the car on both sides. And they just slowed down. And the Tesla sensors said okay, was nothing I can do here. I have to slow down I can't change lanes. And so the Tesla ended up stopping which makes sense, right.

But should that Tesla notice those flashing lights? Should that Tesla have had the ability for the police officers to say, stop and pull over, Right? How far should have been able to go? and if that car has the smarts to stop for flashing light, what's to stop a bad guy from just using the strobe in their car to have, you know the car in front of them pull over. So, that they can molest someone or what whatever it is the bad guy wants to do.

And even if it's not based on the flashing lights, which it would kind of have to be, initially. Because we're not going to have the control systems in the police vehicles, but if the police vehicles now do have those control systems and they can pull the car over with just a remote command. Wants to say that again, the bad guys aren't going to try and hack those. So, very murky legal territory. If you own that car, should the police have the ability and the right to control that car and how far should that go?

Particularly, if that vehicle and or the driver of the vehicle is not doing anything illegal? So? you're just driving down the road everything's wonderful. You are being all the speed limits all of the traffic signs, you are not being erratic, you're not zooming past people. Should the police be able to pull you over at that point?

Kind of goes back to, I guess, the checkpoint things, right? Should you have to stop at a sobriety checkpoint even though you know that you are sober. and I don't like those personally either, because even though I never drink and drive, and I've never been drunk, even though that that has never happened to me, I still resent these things because it is truly an invasion of privacy.

Very interesting questions, Isn't it? Very interesting. We already have police departments that have these remote controlled little race car type things that they can launch from underneath their car. And what happens is they drive it underneath the car in front of them. So, it's this little, think of this little RC cars, you know that you had remote control cars, that you're driving out there. Well, they have in the middle do 80 miles an hour. So, it goes right up under your car and then it sets off an electromagnetic pulse, which of course shut off your engine if you're driving a modern car.

And now your engine shut off and you have to stop because there's no engine anymore, right? Should they be allowed to do that? Well, they're already doing that in some jurisdictions. Now we got another point here when we're talking about self-driving cars and I think friends of mine that are in the insurance business and I start getting really kind of worried.

A Tesla Model X in Southern California. If you were to buy that, the insurance premium at least this is a few years ago, was about $10,000 a year.

Now, I mentioned already why Tesla's are so expensive? Because they're very expensive to fix. You can get into a five mile an hour accident, a fender bender basically in the Tesla and it can cost you five to 10 grand to get that fixed. Okay. It's a very big deal, but there's also the limited self-driving, what they call autopilot mode on the autonomous vehicles.

Now, there are more and more sensors that are getting built into these things, but the underwriters and the actuaries are trying to figure out, how do they handle this new type of risk before it was you, you were in control, and either your equipment failed. And you know, your brakes didn't work, you couldn't steer your tire blew out, whatever it might be, and they know what those numbers look like because they've got a century-plus worth of data.

Simple enough, right? Well, how about you as a driver? Well, they've got information on you as well and nowadays are using credit checks and everything else, which I think is nuts in order to come up with your insurance rate. But they've got all of this data and there's very few Model X's on the road. So, how do they figure that out? And then the bigger question when we start looking at this, it was addressed.

This is really great, Deloitte, you probably familiar with that company, in 2019 insurance outlook report, they said the rise of connectivity has generated a massive amount of real-time data and turned the insurer's relationship with policyholders from static and transactional to dynamic and interactive.

So, what this means is basically everything has changed. We're now transitioning that transitions is just starting now. If your autonomous vehicle is in an accident, who's responsible? Do you even need to have insurance anymore? No, you might have medical insurance, you might have some sort of collision insurance kind of a gap insurance sort of thing for you. For your medical expenses or for the medical expenses of other people in your vehicle.

But even then, who should be responsible for the medical expenses, because the tables we have right now that the insurance companies are using to figure out our liability and how much they should be charging us, those are based on more than 90% of accidents are caused by human error.

So, if you take the driver out of the equation when it comes to the accident itself. We're talking about big changes for insurers because 90% of that whole market transaction is changing. So, this is absolutely huge. They're forecasting trouble for insurers as automation becomes more widespread. Premiums could drop, they're saying maybe 12% or so by 2035. I think they should probably drop more than that. But who carries the insurance is the person who owns the vehicle? Is it the person who's in the vehicle operating it? quote unquote, even though they may not even have a steering wheel.

Is it the manufacturer of the car, that should be liable? Is it the people who wrote the software? Is the company that was contracted to write the software? And remember, there isn't just one piece of software, there are dozens of computers and I mean, dozens and dozens and dozens of computers in a modern car, each one of them could fail. Is that the manufacturer of the CANBUS or whatever the buses all of these computers are using to talk to each other? Who has the liability? So, as automation levels in these cars reach level.s four and five, where you have complete fully autonomous, no human involvement.

Insurance is going to change dramatically. So, what about the local guy that's been selling new insurance for your vehicle, forever?

Isn't that interesting? You're still going to have some insurance I'm sure that's never going to go away but in this case, the driver won't be the risky part. The liability is really going to migrate to the manufacturer. The licensees of the software. It's just going to change.

Nationwide is one insurance company that's starting to think about the problem and I'm sure, frankly, all of them are but Nationwide's come up with some interesting stuff. So, check out online Craig Peterson dot com, you are going to find an article here that you've got to read. This is from QZ dot com. Britain is moving to a cashless society. So, what happens to poor people who don't have bank accounts, credit cards. Who doesn't have access to that? Sweden already is a great example of how not to get rid of cash. Most of the banks in the country of Sweden don't accept paper money or coins. Same things true of a lot of restaurants and stores, even public toilets. How about the elderly. The poor, people with handicaps. Okay, what's going to happen

Unknown 27:00
of them in cash isn't available. Got to think about all of this stuff. The government likes the idea because it's easier for them to track and make sure people aren't cheating. But on the other hand, I'm not sure that this is such a great idea. And you know me, right. I am a cash kinda guy. Anyhow, have a great day we will be back next week and tune in every day if you're not already on my podcast. Have a look for it you'll find me Craig Peterson dot com slash iTunes you can go to Craig Peterson comm slash almost anything Facebook or Twitter or I think SoundCloud TUNE IN JUST Craig Peterson dot com slash iTunes and let me know what you think. Leave a message say hello and have a great week. Make sure you check this morning's email you should have gotten my newsletter which is at Craig Peterson dot com slash subscribe comes out every week.

Have a great day. Take care. Bye-bye.

--- 

Related articles:

National Security Agency Halts Surveillance Program Because Trump Won’t Renew It

These Cameras Can Spot Shoplifters Even Before They Steal

Where Has All The Ransomware Gone? Cybercriminals Prefer ‘Cryptojacking’

The UK Is Going Cashless And, Like Most Of The World, Has No Plan For What Happens Next

Automakers Could Give Police Control Over Your Self-Driving Car

Secret Service Warning: High-Tech Thieves Can Remotely Skim Credit Cards At Gas Pumps

Self-Driving Cars Might Kill Auto Insurance As We Know It
---

More stories and tech updates at:

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Don't miss an episode from Craig. Subscribe and give us a rating:

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