jd ross

Full-time engineers no longer write code; they direct multiple agents (Codex, Cloud Code, Cursor) that oneshot solutions from tickets, collapsing the build-measure-learn loop from months to days and dropping marginal cost of software toward zero.

Traditional brokers extract 10-15% of trillions in premiums via fragmented producer model; AI platform automates policy placement, claims, and compliance, delivering 10-30% savings while expanding margins.

Anthropic, OpenAI, and Google will capture highest-value SaaS categories by targeting high-token-usage areas; mid-market SaaS commoditizes, and within 5 years non-technical workers will oneshot better internal tools than legacy vendors.

As feature build cost drops from $100k to $20k, demand for creative engineers explodes while customer-support email roles collapse; returns accrue to those who can define and direct new capabilities.

Frontier models are already more capable than most enterprises can adopt; the limiting factor is feeding models the right context and building evaluation loops, not model intelligence.

ElevenLabs-style human-sounding agents enable mass personalized spam/scams; trust infrastructure must shift to cryptographic verification, double opt-in, or paid access to preserve signal.