Hump Day Spice

Danny Delaney
Dec 27, 2017 · 4 min read

December 27, 2017 | Time to Read: 2 min 47 seconds

“Guys, this is the worst UI design I’ve ever seen…”

Good afternoon squad,

Hope everybody has enjoyed a lovely holiday with family and friends. Eggnog leads to sleepy mornings and late last minute newsletter edits.

Here’s some stuff you may or may not care about.

Spare Time Links


  • Repealing the individual mandate means people no longer face a tax penalty for not buying insurance
  • This means that healthier people with less need for insurance are less likely to buy it
  • The remaining people make up a heavily subsidized high-risk pool of low-income people who are not eligible for Medicaid and must rely on government subsidies to pay their bills
  • This remaining pool of insurance buyers will have higher costs, on average, so insurers will increase premiums even more
  • When premiums rise, consumers are entitled to larger subsidies from the federal government to help defray the higher costs
  • The brunt of premium increases falls on people who must pay the entire cost themselves — an individual with annual income over $48,240 or a family of four with income over $98,400

The hot take…this is exactly what the GOP didn’t want to see happen. The expansion of Medicaid was largely focused on lower income people, but does not address the lower-middle class. This group is generally exempt from Medicaid and relies instead on subsidies to meet the cost of premiums. When premiums go up, subsidies go up. When subsidies go up, the government spends more money.


The hot take…design is hard enough, but designing for a world that doesn’t exist means learning (read: inventing) new rules, understanding a non-existent culture, and in many ways re-imagining the human condition. And did I mention they had to build everything? Denis Villeneuve wanted actors to perform in physical environments. None of it was added in post-production. Check out the full article.


The hot take…everyone is looking to get into the game, but Google and Nvidia are leading the way. Nvidia practically owns the GPU market and Google released a line of machine learning chips called Tensor Processing Units (TPUs) earlier this year. Still, VC firms have poured almost $1B into 7 different startups trying to carve out their own niche in this space.


The hot take…Santa brought presents to some and coal to others.

  • Apple’s stock slipped by more than 4% on Tuesday after news that it had slashed its expected iPhone X sales from 50M to 30M
  • U.S. consumer confidence ends 2017 at a nearly 17-year high. This means most Americans anticipate making bigger purchases in 2018 and even taking a vacation
  • Oil hit $60 a barrel for the first time since June 2015. That’s good news for the U.S., which is on track for a record oil output in 2018. But bad for the polar bears.

Startup to Watch

The hot take…AI isn’t smart enough to differentiate from very specific tasks, you still need humans to help in most cases. But if you’re holding out to start that company because AI hasn’t matured to the point at which it’s commercially (and cheaply) available to develop on, consider solving your problem with a hybrid machine learning/human solution. The biggest reason? You can start collecting data. And data is more valuable than gold. Check it out.

Did you know…

Be well and do good work.
- Danny

Cross-posted from

Danny Delaney

Written by

Product Manager at Deloitte Digital. I write a weekly newsletter called Hump Day Spice. Subscribe at