September 8, 2025 • 22 mins
(Sept 08,2025)
California Fair Plan continues denying smoke damage claims despite court loss and regulatory action. Taco Bell rethinks AI drive-thru after man orders 18,000 waters. Scientists are electrifying lakes to capture invasive species they believe are transported by hurricanes. AB90 seeks to establish safe parking sites for homeless community college students.
California Fair Plan continues denying smoke damage claims despite court loss and regulatory action. Taco Bell rethinks AI drive-thru after man orders 18,000 waters. Scientists are electrifying lakes to capture invasive species they believe are transported by hurricanes. AB90 seeks to establish safe parking sites for homeless community college students.
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Episode Transcript
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Speaker 1 (00:00):
You're list Saints KFI AM six forty The bill Handles
show on demand on the iHeartRadio f kfive AM.
Speaker 2 (00:09):
Six forty Bill Handle Here a Monday morning. A lot
going on this morning.
Speaker 1 (00:16):
Treasury Department is going to issue partial rebates if the
Supreme Court upholds a ruling that President Trump's reciprocal tariffs
was an overstep of power. And there's could be a
lot of those cases coming down because President is pushing
the envelope in terms of what a president can do.
Speaker 2 (00:36):
For sure.
Speaker 1 (00:38):
Now, I've talked about the California Fair Plan before, and
this has to do with fire insurance. Now, the insurance
companies that have insured homes, even the ones in the
Palisades and in the meat and fire in Altadena, do
(00:58):
you know that they have enough money in reserves to
pay off They are not going to go broke and
paying off those zillions of dollars of claims. You know
which organization, which plan is going to go broke? The
fair plan? And what is the fair plan? The fair
plan is the insurance of last resort. If someone does
(01:23):
not have insurance, can't afford insurance, or I'm at a
home insurance, then they're eligible under the fore plan of
a fair plan, or if an insurance company just bails
and says not going to ensure, and play of insurance
companies are saying no, I'm not ensuring that area.
Speaker 2 (01:42):
That's a fire area, and we're out of there.
Speaker 1 (01:45):
So the only way that a homeowner can get insurance,
by the way, this also has to do with apartment
owners and the rent goes down the pike is through
the fair plan. And the fair plan is is a
plan that is set up by the state in which
the major insurers pay into, so it's not a governmental plan.
(02:08):
And the problem is once that is exhausted, then the
government kicks in the rest, so taxpayer dollars to say
the least are at risk. So the issue really becomes
smoke damage and toxicity in the dirt.
Speaker 2 (02:30):
When there is a fire.
Speaker 1 (02:31):
And I don't know if you've ever been at a
house or a building where there's fire, and even if
the building is not consumed by the flames, the ashes,
the smell, the toxic gases go into the walls, will
(02:53):
actually go into and permeate the dry wall, and the
only way you can get rid of it is you
go down to the studs and you rip out all
the dry wall, and you start from that point and
that is a fortune. Well, there was a Supreme Court
(03:14):
case in twenty twenty four that establish the threshold, and
that was in an insurance dispute over a COVID related
business enclosure. And what it basically said throughout the decision
was only physical damage can be ascertained and will paid for,
(03:38):
be paid for by the fair plan or any insurance company.
Speaker 2 (03:41):
In other words, what I just described.
Speaker 1 (03:45):
Is the damage that is done by the gas, the
toxic just the toxic environment, what is permeated through the walls,
that's not covered. It has to be physical. You have
to burn the place down. You have to point to
that area that shows okay, that has been torched, that
(04:10):
has to be replaced. And if it doesn't have to
be replaced, if it's just toxic guesses that are released
or dirt that has to be redone or brought down
six inches, insurance doesn't cover. That doesn't have to because
we rule that is a Supreme court we rule that
(04:35):
only physical damage has to be covered.
Speaker 2 (04:37):
Well, needless to.
Speaker 1 (04:38):
Say, this is a real problem because California's home enture
of last resort, the fare plans continue to deny smoke
damage even when the toxic substances have been found in
the home. And so what the Fair Plan is doing
is saying no to policy holders who want the smoke
(05:02):
damage homes remediated through professional cleaning.
Speaker 2 (05:08):
Or replacement of drywall.
Speaker 1 (05:10):
Fixtures, insulation, all of that has to be replaced lighting.
Speaker 2 (05:18):
And denying those claims.
Speaker 1 (05:20):
The plan cites the language the County spirit Court wrote
in a landmark decision, and again there has to be
permanent physical damage. I'm going to come back and I
want to finish this up because this is a big, big,
big deal and it's going to cost the taxpayer.
Speaker 2 (05:40):
Is going to cost us just a zillion dollars.
Speaker 1 (05:44):
So California set up this California Fair Plan, which only
fire insurance.
Speaker 2 (05:50):
I think the limits are.
Speaker 1 (05:52):
A couple of million dollars, which of course is a
lot of money unless you live in the Palisades where
homes can be a lot of money. And two million
dollars doesn't even rebuild the home. And the California Fair
Plan is running out of money because they figure thousands
of applications are going through.
Speaker 2 (06:14):
That's how many people are uninsured in the state.
Speaker 1 (06:19):
The regular insurance company have the money. And I didn't
know that until I was told till I look this
up that if let's say I'm insured and if my
house goes down, they have the money.
Speaker 2 (06:33):
It doesn't even.
Speaker 1 (06:33):
Matter if half the city goes down, they have the reserves.
The fair plan does not. Fair plan has money, but
it doesn't have anywhere near enough money to pay for it.
And once it runs out of money, guess what we
get to pay for it the taxpayer. And Newsom is
(06:55):
on side of the plaintiffs sueing the fair Plan, saying, hey,
you know what, the fire damage includes, the smoke damage,
the toxicity that was sucked up by my house.
Speaker 2 (07:11):
It doesn't just have to be a brunt wall.
Speaker 1 (07:15):
It can be a wall exposed to the toxic chemicals
that were flying through the air. Because what happens is
drywall sucks that stuff out and then it stays there
forever and you can't live there. Well, there was a
court case that said, a California court case, a Supreme
(07:37):
Court case it said, no, it has to be physical damage.
Speaker 2 (07:44):
Wow.
Speaker 1 (07:45):
Well that screws a whole lot of people, because for
those folks who don't have insurance or the insurance company
has bailed out of insuring homes in your area, and
you own have the Fair Plan, you're probably gonna run
out of money. And it's only for fire insurance. Keep
(08:07):
in mind, not liability insurance. Someone falls and cracks his
or her head on your pavement doesn't cover any of that.
If your dog goes and eats the kid next door,
where normally you'd have home insurance that would cover that,
that doesn't happen. And so there has been a Superit
(08:27):
Court judge who found the Fair Plans requirement smoke damage
is permanent physical damage and it violated the insurance code
because it provides less coverage in what is required by
the state's standard.
Speaker 2 (08:45):
Form fire insurance policy.
Speaker 1 (08:48):
And this is a little bit technical because even though
the Supreme Court said that damage to a property has
to be fire damage, what this judge said he went
into a different direction which the Supreme Court did not go,
that the standard form fire insurance policy of the state
(09:10):
was violated. Well, folks of the Fair Plans say, no,
that's just one judge. That does not mean that we
have to follow what the judge says and are going through,
of course, the appeals process to make sure that that
case is upheld. Or that one case is not held
(09:33):
is not held up. And in one smoke damage case,
the plan acknowledge it received a report from the policy
holder who had an expert come in and found that
the home and the palisades was exposed to toxic levels
of carcinogens, chemicals, particulates, and the firm that was hired
(09:56):
recommended the removal of all the drywall, plaster, wooden floors,
building materials, and the Fair Plan said no, no, look
at what the law says. The law says only physical
fire damage. And of course what the legal speak that
(10:19):
comes back saying we want this is from the California
Fair Plan, folks. We want to be fair to everybody.
We want to make sure everyone is covered. So therefore
we are not going to cover this, even though it
makes all the sense in the world. So you know
(10:41):
what's going to happen. Well, I think you're probably gonna
get screwed. I think under the California Fair Plan, I
think you'll get the money to rebuild.
Speaker 2 (10:51):
I think if.
Speaker 1 (10:52):
You're the harm to your home is smoke damage, I
don't think you're going to get that, which makes your
home unlivable, which means effectively you've lost your home.
Speaker 2 (11:07):
And that's a heartbreaker. It really is. Okay, now, story
about Taco Bell.
Speaker 1 (11:14):
It's rethinking the use of AI to use in the restaurants.
After there was some funny stuff going on and mistakes
were viewed millions and.
Speaker 2 (11:26):
Millions of times online.
Speaker 1 (11:29):
In one clip, a customer looked like crash the system
ordering eighteen thousand water cups did not. That was the
AI that kicked in it. Another person got just angrier
and angrier as the AI repeatedly asked him to add
more drinks to the order.
Speaker 2 (11:46):
He says no.
Speaker 1 (11:47):
So twenty twenty three, the fast food chain introduced AI
at over four hundred five hundred locations in the US
with the aim of reducing.
Speaker 2 (11:57):
Mistakes and speeding up orders.
Speaker 1 (12:00):
That was the entire point, but a lot of this
AI seems to have served up the complete opposite. And
I want to explain a little bit where you can't
really name Taco Bell at fault. You can't really you
can't point the finger. Taco Bell's chief Digital and Technology
officer Dane Matthews in an interview where strangely enough, he
(12:25):
was having lunch at Del Taco, which is very embarrassing
for the company.
Speaker 2 (12:31):
In any case, he.
Speaker 3 (12:32):
Was sure that's not how it went down.
Speaker 2 (12:35):
Oh am, I missreading this.
Speaker 3 (12:39):
Up from whole cloth.
Speaker 2 (12:40):
Actually, okay, fine, all right.
Speaker 1 (12:44):
Anyway, Dane Matthews, being interviewed not at Del Taco, says,
sometimes it lets me down, the AI, but sometimes it
really surprises me. And he said was learning a lot
and using AI going forwards, it's just going to be
(13:05):
better and better, and then he went on and spun it,
which I don't understand when there are times when humans
are better place to take orders, especially when restaurants get busy.
Speaker 2 (13:15):
I don't know why he's even saying that. I really don't.
Speaker 3 (13:20):
They are learning, because that's learning.
Speaker 2 (13:23):
But so why get upset?
Speaker 1 (13:25):
Don't Why do they say sometimes humans do a better
job when placing orders. Come on, guys, this is exactly
what AI is designed and should do. It's like the
Waimo and the self driving cars and self driving taxis.
Oh my god, So they go fifty million miles, three
(13:47):
of them.
Speaker 2 (13:47):
Crash and they just shut it all down.
Speaker 3 (13:50):
Well that's what they do. Right now. Everybody freaks out,
But you're right that.
Speaker 4 (13:54):
You know, when you look at this article, you're talking
about two million orders that had no problems with that.
Speaker 2 (14:01):
Right, that's the point. If look at let me give
you an analogy.
Speaker 1 (14:04):
Okay, air travel is considered, uh, if not the most
one of the most safe ways of travel, if not
the safest way to travel in the world. If this
kind of thinking went on when air travel, passenger air
travel first started, we still wouldn't have passenger planes because
(14:27):
early on those planes were falling out of the sky
with passengers on them.
Speaker 2 (14:33):
It was a question of learning, making mistakes.
Speaker 1 (14:36):
And the mistakes here I mean really, I mean, this
is a real These are real ballbusters, aren't they. Last year,
McDonald's withdrew AI from its drive through because AI misinterpreted
customer orders, For example, one person getting bacon added to
their ice cream. Neil, you've talked about bacon and ice cream,
(14:57):
and it is a wonderfrival.
Speaker 4 (14:58):
I've had bacon and ice cream in it is fantastic.
Speaker 3 (15:02):
I will tell you this.
Speaker 4 (15:04):
I went to a McDonald's and a couple months back,
three times with a human. Three times they got my
order wrong and a manager had to come over and
do it, and then they got it wrong again.
Speaker 3 (15:18):
And they were humans. I mean, but you're not going
to get rid of humans.
Speaker 2 (15:21):
Yeah, one of the things that helps with AI.
Speaker 1 (15:23):
It speaks English, and that's sometimes a big problem in
fast food establishment. Also, you can't hear anything.
Speaker 2 (15:33):
What do you want to order a burder?
Speaker 1 (15:38):
Maybe they should spend their money on better, better loudspeakers.
Speaker 4 (15:42):
But I will tell you the one example I thought
was funny. The guy orders a large mountain dew and
the AI goes and what would you like to drink
with that?
Speaker 2 (15:52):
I mean over and over. Yeah.
Speaker 1 (15:54):
Now, no one's falling out of the sky and dying,
no one's getting into accidents, but we're talking a couple.
All these clips got over twenty one million views as
we all start making fun of what AI does. There's
another clip where the AI program goes and takes an
(16:16):
order from an individual and adds hundreds of dollars worth
of chicken nuggets. I mean, I would take that if
I didn't have to pay for it, but you can't
do that. And as you mentioned Taco Bell, so far
two million orders have been successfully processed.
Speaker 2 (16:33):
We're going to learn. We are learning.
Speaker 1 (16:36):
I mean right now it is hallucinogenic, at which we
know it makes things up and when you especially when
you research and you want a paper written for English
or some scientific research. It will make up sources, just
make it up. They're learning how to deal with this.
(16:57):
Eat your three hundred dollars worth of chicken nuggets.
Speaker 2 (17:00):
Just leave it alone.
Speaker 3 (17:02):
Okay.
Speaker 1 (17:03):
And I think you ought to speak English, because what
happens when you come to a McDonald's and you just
got off the boat yesterday afternoon?
Speaker 4 (17:12):
All right, okay, let's take it down a notch and
keep your racism at about a two and a half
not racism.
Speaker 2 (17:21):
I wanted to talk to Shannon because she was in Brazil.
Speaker 3 (17:25):
Uh.
Speaker 1 (17:25):
And I wanted to talk to her because she was
there for the game. And I was told by ann Uh.
They got off the plane, went to the hotel, couldn't
leave the hotel.
Speaker 2 (17:34):
Went to the stadium, went back to the hotel.
Speaker 3 (17:37):
Oh that's a bummer, it is because she so Yeah.
Speaker 1 (17:42):
Now if you go, if you go to a McDonald's,
which they have there, you order a amburagesa.
Speaker 3 (17:49):
I will tell you the.
Speaker 2 (17:52):
She's good.
Speaker 4 (17:53):
I go to McDonald's in every country I go to
if they have it, to see how they interpret, you know,
American fast food.
Speaker 3 (18:01):
And I will tell you the.
Speaker 4 (18:03):
Worst hamburger version I've ever had at a McDonald's.
Speaker 3 (18:08):
Out of the country was Brazil. They had some weird
brown sauce.
Speaker 2 (18:12):
Really, you're right, you're right.
Speaker 1 (18:13):
Although Neil and I when we travel we also tend
to do the same thing with Kentucky Fried Chicken. My
favorite one was you can buy it with or without feathers?
Speaker 3 (18:26):
Was that Nicarawa? Yeah? Yeah, okay, I.
Speaker 2 (18:30):
Don't remember teeth?
Speaker 1 (18:33):
Yeah you do, all right. I want to tell you
about a bill. This is an Assembly Bill ninety and
here is what it does. Right now, it is not
yet passed, and will it pass Who the hell knows.
And what it wants to do is establish safe parking
(18:54):
sites for homeless community college students. The number of homeless
students who go to community college is surprisingly large. There
are there is a group of people who are homeless,
want to better themselves. Probably can't get into a four
(19:15):
year but during your college. You know, the requirements are
in California to get into a community college any idea.
Speaker 2 (19:25):
Two requirements. Number one, you have to be eighteen years old.
Speaker 1 (19:32):
Number two, you have to pass the mirror test, and
that is they put a mirror under your nose and
you breathe and if condensation appears on the mirror.
Speaker 2 (19:43):
Then you get in to school.
Speaker 1 (19:48):
And the number of people who are trying to get
induce day in school is very high because you can't
ford housing, so they live in RVs, they live in
their cars, and there's really no place for them to
live because off they go, they can't park there. You
can't buy a parking pass and stay there twenty four
(20:09):
to seven.
Speaker 2 (20:10):
So what AB does.
Speaker 1 (20:11):
AB ninety does is established safe places. Now it's not
just safe places, right, that's one thing. It also provides
shower services and they have infrastructure. That's one of the
reasons why people bitch and moan about how is it
possible that every unit of public housing is half a
(20:36):
million dollars where every unit of private.
Speaker 2 (20:40):
Housing you can do for two hundred thousand dollars.
Speaker 1 (20:44):
Well, because when you do public, state or state built housing,
it's not only the housing itself.
Speaker 2 (20:54):
It is the infrastructure, it is.
Speaker 1 (20:56):
The people that work there, it is the shower facilities.
Speaker 2 (21:01):
Uh, it's social workers, rehab.
Speaker 1 (21:04):
That's why it makes so much money, or that's why
it costs so much money. So the same thing happens
whenever you provide any kind of public housing. And we'll
see how far AB ninety goes and and there's different
versions of it. Maybe it is you can use the
school gym to shower that that works.
Speaker 2 (21:26):
A lot of homeless people do that.
Speaker 1 (21:28):
I mean we you know, we've actually had homeless people
that work here at KFI that lived in their car
for a period of time. I don't want to mention names, Neil,
but there are people.
Speaker 4 (21:42):
My car i'd gladly, but yeah, you've had Michael Krozier
talk about it on the air before.
Speaker 1 (21:49):
Now, and what they did is they were it's expensive
as hell to get housing. And keep in mind you're
it's look at what it's to get an apartment, first last,
first last security, and it's not unusual to three thousand
dollars for an apartment, twenty five hundred dollars for a
(22:10):
one bedroom. So there's first last security, there's seventy five
hundred dollars. I mean, how many people who are homeless
and live in their cars can come with that? I
can come up with that.
Speaker 2 (22:22):
Okay, we're done, guys.
Speaker 1 (22:24):
We come back again tomorrow Shannon and Gary or Gary
and Shannon. We start at five am in the morning
with Will and Amy. Neil and I jump in and
and Kono of course handle the rest of us. We'll
catch you in the morning. This is KFI AM six forty.
Speaker 2 (22:43):
You've been listening to the Bill Handle Show.
Speaker 1 (22:45):
Catch my Show Monday through Friday, six am to nine am,
and anytime on demand on the iHeartRadio app.
You're list Saints KFI AM six forty The bill Handles
show on demand on the iHeartRadio f kfive AM.
Speaker 2 (00:09):
Six forty Bill Handle Here a Monday morning. A lot
going on this morning.
Speaker 1 (00:16):
Treasury Department is going to issue partial rebates if the
Supreme Court upholds a ruling that President Trump's reciprocal tariffs
was an overstep of power. And there's could be a
lot of those cases coming down because President is pushing
the envelope in terms of what a president can do.
Speaker 2 (00:36):
For sure.
Speaker 1 (00:38):
Now, I've talked about the California Fair Plan before, and
this has to do with fire insurance. Now, the insurance
companies that have insured homes, even the ones in the
Palisades and in the meat and fire in Altadena, do
(00:58):
you know that they have enough money in reserves to
pay off They are not going to go broke and
paying off those zillions of dollars of claims. You know
which organization, which plan is going to go broke? The
fair plan? And what is the fair plan? The fair
plan is the insurance of last resort. If someone does
(01:23):
not have insurance, can't afford insurance, or I'm at a
home insurance, then they're eligible under the fore plan of
a fair plan, or if an insurance company just bails
and says not going to ensure, and play of insurance
companies are saying no, I'm not ensuring that area.
Speaker 2 (01:42):
That's a fire area, and we're out of there.
Speaker 1 (01:45):
So the only way that a homeowner can get insurance,
by the way, this also has to do with apartment
owners and the rent goes down the pike is through
the fair plan. And the fair plan is is a
plan that is set up by the state in which
the major insurers pay into, so it's not a governmental plan.
(02:08):
And the problem is once that is exhausted, then the
government kicks in the rest, so taxpayer dollars to say
the least are at risk. So the issue really becomes
smoke damage and toxicity in the dirt.
Speaker 2 (02:30):
When there is a fire.
Speaker 1 (02:31):
And I don't know if you've ever been at a
house or a building where there's fire, and even if
the building is not consumed by the flames, the ashes,
the smell, the toxic gases go into the walls, will
(02:53):
actually go into and permeate the dry wall, and the
only way you can get rid of it is you
go down to the studs and you rip out all
the dry wall, and you start from that point and
that is a fortune. Well, there was a Supreme Court
(03:14):
case in twenty twenty four that establish the threshold, and
that was in an insurance dispute over a COVID related
business enclosure. And what it basically said throughout the decision
was only physical damage can be ascertained and will paid for,
(03:38):
be paid for by the fair plan or any insurance company.
Speaker 2 (03:41):
In other words, what I just described.
Speaker 1 (03:45):
Is the damage that is done by the gas, the
toxic just the toxic environment, what is permeated through the walls,
that's not covered. It has to be physical. You have
to burn the place down. You have to point to
that area that shows okay, that has been torched, that
(04:10):
has to be replaced. And if it doesn't have to
be replaced, if it's just toxic guesses that are released
or dirt that has to be redone or brought down
six inches, insurance doesn't cover. That doesn't have to because
we rule that is a Supreme court we rule that
(04:35):
only physical damage has to be covered.
Speaker 2 (04:37):
Well, needless to.
Speaker 1 (04:38):
Say, this is a real problem because California's home enture
of last resort, the fare plans continue to deny smoke
damage even when the toxic substances have been found in
the home. And so what the Fair Plan is doing
is saying no to policy holders who want the smoke
(05:02):
damage homes remediated through professional cleaning.
Speaker 2 (05:08):
Or replacement of drywall.
Speaker 1 (05:10):
Fixtures, insulation, all of that has to be replaced lighting.
Speaker 2 (05:18):
And denying those claims.
Speaker 1 (05:20):
The plan cites the language the County spirit Court wrote
in a landmark decision, and again there has to be
permanent physical damage. I'm going to come back and I
want to finish this up because this is a big, big,
big deal and it's going to cost the taxpayer.
Speaker 2 (05:40):
Is going to cost us just a zillion dollars.
Speaker 1 (05:44):
So California set up this California Fair Plan, which only
fire insurance.
Speaker 2 (05:50):
I think the limits are.
Speaker 1 (05:52):
A couple of million dollars, which of course is a
lot of money unless you live in the Palisades where
homes can be a lot of money. And two million
dollars doesn't even rebuild the home. And the California Fair
Plan is running out of money because they figure thousands
of applications are going through.
Speaker 2 (06:14):
That's how many people are uninsured in the state.
Speaker 1 (06:19):
The regular insurance company have the money. And I didn't
know that until I was told till I look this
up that if let's say I'm insured and if my
house goes down, they have the money.
Speaker 2 (06:33):
It doesn't even.
Speaker 1 (06:33):
Matter if half the city goes down, they have the reserves.
The fair plan does not. Fair plan has money, but
it doesn't have anywhere near enough money to pay for it.
And once it runs out of money, guess what we
get to pay for it the taxpayer. And Newsom is
(06:55):
on side of the plaintiffs sueing the fair Plan, saying, hey,
you know what, the fire damage includes, the smoke damage,
the toxicity that was sucked up by my house.
Speaker 2 (07:11):
It doesn't just have to be a brunt wall.
Speaker 1 (07:15):
It can be a wall exposed to the toxic chemicals
that were flying through the air. Because what happens is
drywall sucks that stuff out and then it stays there
forever and you can't live there. Well, there was a
court case that said, a California court case, a Supreme
(07:37):
Court case it said, no, it has to be physical damage.
Speaker 2 (07:44):
Wow.
Speaker 1 (07:45):
Well that screws a whole lot of people, because for
those folks who don't have insurance or the insurance company
has bailed out of insuring homes in your area, and
you own have the Fair Plan, you're probably gonna run
out of money. And it's only for fire insurance. Keep
(08:07):
in mind, not liability insurance. Someone falls and cracks his
or her head on your pavement doesn't cover any of that.
If your dog goes and eats the kid next door,
where normally you'd have home insurance that would cover that,
that doesn't happen. And so there has been a Superit
(08:27):
Court judge who found the Fair Plans requirement smoke damage
is permanent physical damage and it violated the insurance code
because it provides less coverage in what is required by
the state's standard.
Speaker 2 (08:45):
Form fire insurance policy.
Speaker 1 (08:48):
And this is a little bit technical because even though
the Supreme Court said that damage to a property has
to be fire damage, what this judge said he went
into a different direction which the Supreme Court did not go,
that the standard form fire insurance policy of the state
(09:10):
was violated. Well, folks of the Fair Plans say, no,
that's just one judge. That does not mean that we
have to follow what the judge says and are going through,
of course, the appeals process to make sure that that
case is upheld. Or that one case is not held
(09:33):
is not held up. And in one smoke damage case,
the plan acknowledge it received a report from the policy
holder who had an expert come in and found that
the home and the palisades was exposed to toxic levels
of carcinogens, chemicals, particulates, and the firm that was hired
(09:56):
recommended the removal of all the drywall, plaster, wooden floors,
building materials, and the Fair Plan said no, no, look
at what the law says. The law says only physical
fire damage. And of course what the legal speak that
(10:19):
comes back saying we want this is from the California
Fair Plan, folks. We want to be fair to everybody.
We want to make sure everyone is covered. So therefore
we are not going to cover this, even though it
makes all the sense in the world. So you know
(10:41):
what's going to happen. Well, I think you're probably gonna
get screwed. I think under the California Fair Plan, I
think you'll get the money to rebuild.
Speaker 2 (10:51):
I think if.
Speaker 1 (10:52):
You're the harm to your home is smoke damage, I
don't think you're going to get that, which makes your
home unlivable, which means effectively you've lost your home.
Speaker 2 (11:07):
And that's a heartbreaker. It really is. Okay, now, story
about Taco Bell.
Speaker 1 (11:14):
It's rethinking the use of AI to use in the restaurants.
After there was some funny stuff going on and mistakes
were viewed millions and.
Speaker 2 (11:26):
Millions of times online.
Speaker 1 (11:29):
In one clip, a customer looked like crash the system
ordering eighteen thousand water cups did not. That was the
AI that kicked in it. Another person got just angrier
and angrier as the AI repeatedly asked him to add
more drinks to the order.
Speaker 2 (11:46):
He says no.
Speaker 1 (11:47):
So twenty twenty three, the fast food chain introduced AI
at over four hundred five hundred locations in the US
with the aim of reducing.
Speaker 2 (11:57):
Mistakes and speeding up orders.
Speaker 1 (12:00):
That was the entire point, but a lot of this
AI seems to have served up the complete opposite. And
I want to explain a little bit where you can't
really name Taco Bell at fault. You can't really you
can't point the finger. Taco Bell's chief Digital and Technology
officer Dane Matthews in an interview where strangely enough, he
(12:25):
was having lunch at Del Taco, which is very embarrassing
for the company.
Speaker 2 (12:31):
In any case, he.
Speaker 3 (12:32):
Was sure that's not how it went down.
Speaker 2 (12:35):
Oh am, I missreading this.
Speaker 3 (12:39):
Up from whole cloth.
Speaker 2 (12:40):
Actually, okay, fine, all right.
Speaker 1 (12:44):
Anyway, Dane Matthews, being interviewed not at Del Taco, says,
sometimes it lets me down, the AI, but sometimes it
really surprises me. And he said was learning a lot
and using AI going forwards, it's just going to be
(13:05):
better and better, and then he went on and spun it,
which I don't understand when there are times when humans
are better place to take orders, especially when restaurants get busy.
Speaker 2 (13:15):
I don't know why he's even saying that. I really don't.
Speaker 3 (13:20):
They are learning, because that's learning.
Speaker 2 (13:23):
But so why get upset?
Speaker 1 (13:25):
Don't Why do they say sometimes humans do a better
job when placing orders. Come on, guys, this is exactly
what AI is designed and should do. It's like the
Waimo and the self driving cars and self driving taxis.
Oh my god, So they go fifty million miles, three
(13:47):
of them.
Speaker 2 (13:47):
Crash and they just shut it all down.
Speaker 3 (13:50):
Well that's what they do. Right now. Everybody freaks out,
But you're right that.
Speaker 4 (13:54):
You know, when you look at this article, you're talking
about two million orders that had no problems with that.
Speaker 2 (14:01):
Right, that's the point. If look at let me give
you an analogy.
Speaker 1 (14:04):
Okay, air travel is considered, uh, if not the most
one of the most safe ways of travel, if not
the safest way to travel in the world. If this
kind of thinking went on when air travel, passenger air
travel first started, we still wouldn't have passenger planes because
(14:27):
early on those planes were falling out of the sky
with passengers on them.
Speaker 2 (14:33):
It was a question of learning, making mistakes.
Speaker 1 (14:36):
And the mistakes here I mean really, I mean, this
is a real These are real ballbusters, aren't they. Last year,
McDonald's withdrew AI from its drive through because AI misinterpreted
customer orders, For example, one person getting bacon added to
their ice cream. Neil, you've talked about bacon and ice cream,
(14:57):
and it is a wonderfrival.
Speaker 4 (14:58):
I've had bacon and ice cream in it is fantastic.
Speaker 3 (15:02):
I will tell you this.
Speaker 4 (15:04):
I went to a McDonald's and a couple months back,
three times with a human. Three times they got my
order wrong and a manager had to come over and
do it, and then they got it wrong again.
Speaker 3 (15:18):
And they were humans. I mean, but you're not going
to get rid of humans.
Speaker 2 (15:21):
Yeah, one of the things that helps with AI.
Speaker 1 (15:23):
It speaks English, and that's sometimes a big problem in
fast food establishment. Also, you can't hear anything.
Speaker 2 (15:33):
What do you want to order a burder?
Speaker 1 (15:38):
Maybe they should spend their money on better, better loudspeakers.
Speaker 4 (15:42):
But I will tell you the one example I thought
was funny. The guy orders a large mountain dew and
the AI goes and what would you like to drink
with that?
Speaker 2 (15:52):
I mean over and over. Yeah.
Speaker 1 (15:54):
Now, no one's falling out of the sky and dying,
no one's getting into accidents, but we're talking a couple.
All these clips got over twenty one million views as
we all start making fun of what AI does. There's
another clip where the AI program goes and takes an
(16:16):
order from an individual and adds hundreds of dollars worth
of chicken nuggets. I mean, I would take that if
I didn't have to pay for it, but you can't
do that. And as you mentioned Taco Bell, so far
two million orders have been successfully processed.
Speaker 2 (16:33):
We're going to learn. We are learning.
Speaker 1 (16:36):
I mean right now it is hallucinogenic, at which we
know it makes things up and when you especially when
you research and you want a paper written for English
or some scientific research. It will make up sources, just
make it up. They're learning how to deal with this.
(16:57):
Eat your three hundred dollars worth of chicken nuggets.
Speaker 2 (17:00):
Just leave it alone.
Speaker 3 (17:02):
Okay.
Speaker 1 (17:03):
And I think you ought to speak English, because what
happens when you come to a McDonald's and you just
got off the boat yesterday afternoon?
Speaker 4 (17:12):
All right, okay, let's take it down a notch and
keep your racism at about a two and a half
not racism.
Speaker 2 (17:21):
I wanted to talk to Shannon because she was in Brazil.
Speaker 3 (17:25):
Uh.
Speaker 1 (17:25):
And I wanted to talk to her because she was
there for the game. And I was told by ann Uh.
They got off the plane, went to the hotel, couldn't
leave the hotel.
Speaker 2 (17:34):
Went to the stadium, went back to the hotel.
Speaker 3 (17:37):
Oh that's a bummer, it is because she so Yeah.
Speaker 1 (17:42):
Now if you go, if you go to a McDonald's,
which they have there, you order a amburagesa.
Speaker 3 (17:49):
I will tell you the.
Speaker 2 (17:52):
She's good.
Speaker 4 (17:53):
I go to McDonald's in every country I go to
if they have it, to see how they interpret, you know,
American fast food.
Speaker 3 (18:01):
And I will tell you the.
Speaker 4 (18:03):
Worst hamburger version I've ever had at a McDonald's.
Speaker 3 (18:08):
Out of the country was Brazil. They had some weird
brown sauce.
Speaker 2 (18:12):
Really, you're right, you're right.
Speaker 1 (18:13):
Although Neil and I when we travel we also tend
to do the same thing with Kentucky Fried Chicken. My
favorite one was you can buy it with or without feathers?
Speaker 3 (18:26):
Was that Nicarawa? Yeah? Yeah, okay, I.
Speaker 2 (18:30):
Don't remember teeth?
Speaker 1 (18:33):
Yeah you do, all right. I want to tell you
about a bill. This is an Assembly Bill ninety and
here is what it does. Right now, it is not
yet passed, and will it pass Who the hell knows.
And what it wants to do is establish safe parking
(18:54):
sites for homeless community college students. The number of homeless
students who go to community college is surprisingly large. There
are there is a group of people who are homeless,
want to better themselves. Probably can't get into a four
(19:15):
year but during your college. You know, the requirements are
in California to get into a community college any idea.
Speaker 2 (19:25):
Two requirements. Number one, you have to be eighteen years old.
Speaker 1 (19:32):
Number two, you have to pass the mirror test, and
that is they put a mirror under your nose and
you breathe and if condensation appears on the mirror.
Speaker 2 (19:43):
Then you get in to school.
Speaker 1 (19:48):
And the number of people who are trying to get
induce day in school is very high because you can't
ford housing, so they live in RVs, they live in
their cars, and there's really no place for them to
live because off they go, they can't park there. You
can't buy a parking pass and stay there twenty four
(20:09):
to seven.
Speaker 2 (20:10):
So what AB does.
Speaker 1 (20:11):
AB ninety does is established safe places. Now it's not
just safe places, right, that's one thing. It also provides
shower services and they have infrastructure. That's one of the
reasons why people bitch and moan about how is it
possible that every unit of public housing is half a
(20:36):
million dollars where every unit of private.
Speaker 2 (20:40):
Housing you can do for two hundred thousand dollars.
Speaker 1 (20:44):
Well, because when you do public, state or state built housing,
it's not only the housing itself.
Speaker 2 (20:54):
It is the infrastructure, it is.
Speaker 1 (20:56):
The people that work there, it is the shower facilities.
Speaker 2 (21:01):
Uh, it's social workers, rehab.
Speaker 1 (21:04):
That's why it makes so much money, or that's why
it costs so much money. So the same thing happens
whenever you provide any kind of public housing. And we'll
see how far AB ninety goes and and there's different
versions of it. Maybe it is you can use the
school gym to shower that that works.
Speaker 2 (21:26):
A lot of homeless people do that.
Speaker 1 (21:28):
I mean we you know, we've actually had homeless people
that work here at KFI that lived in their car
for a period of time. I don't want to mention names, Neil,
but there are people.
Speaker 4 (21:42):
My car i'd gladly, but yeah, you've had Michael Krozier
talk about it on the air before.
Speaker 1 (21:49):
Now, and what they did is they were it's expensive
as hell to get housing. And keep in mind you're
it's look at what it's to get an apartment, first last,
first last security, and it's not unusual to three thousand
dollars for an apartment, twenty five hundred dollars for a
(22:10):
one bedroom. So there's first last security, there's seventy five
hundred dollars. I mean, how many people who are homeless
and live in their cars can come with that? I
can come up with that.
Speaker 2 (22:22):
Okay, we're done, guys.
Speaker 1 (22:24):
We come back again tomorrow Shannon and Gary or Gary
and Shannon. We start at five am in the morning
with Will and Amy. Neil and I jump in and
and Kono of course handle the rest of us. We'll
catch you in the morning. This is KFI AM six forty.
Speaker 2 (22:43):
You've been listening to the Bill Handle Show.
Speaker 1 (22:45):
Catch my Show Monday through Friday, six am to nine am,
and anytime on demand on the iHeartRadio app.
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