Business
Religious Leaders Experiment with A.I. in Sermons
To members of his synagogue, the voice that played over the speakers of Congregation Emanu El in Houston sounded just like Rabbi Josh Fixler’s.
In the same steady rhythm his congregation had grown used to, the voice delivered a sermon about what it meant to be a neighbor in the age of artificial intelligence. Then, Rabbi Fixler took to the bimah himself.
“The audio you heard a moment ago may have sounded like my words,” he said. “But they weren’t.”
The recording was created by what Rabbi Fixler called “Rabbi Bot,” an A.I. chatbot trained on his old sermons. The chatbot, created with the help of a data scientist, wrote the sermon, even delivering it in an A.I. version of his voice. During the rest of the service, Rabbi Fixler intermittently asked Rabbi Bot questions aloud, which it would promptly answer.
Rabbi Fixler is among a growing number of religious leaders experimenting with A.I. in their work, spurring an industry of faith-based tech companies that offer A.I. tools, from assistants that can do theological research to chatbots that can help write sermons.
For centuries, new technologies have changed the ways people worship, from the radio in the 1920s to television sets in the 1950s and the internet in the 1990s. Some proponents of A.I. in religious spaces have gone back even further, comparing A.I.’s potential — and fears of it — to the invention of the printing press in the 15th century.
Religious leaders have used A.I. to translate their livestreamed sermons into different languages in real time, blasting them out to international audiences. Others have compared chatbots trained on tens of thousands of pages of Scripture to a fleet of newly trained seminary students, able to pull excerpts about certain topics nearly instantaneously.
But the ethical questions around using generative A.I. for religious tasks have become more complicated as the technology has improved, religious leaders say. While most agree that using A.I. for tasks like research or marketing is acceptable, other uses for the technology, like sermon writing, are seen by some as a step too far.
Jay Cooper, a pastor in Austin, Texas, used OpenAI’s ChatGPT to generate an entire service for his church as an experiment in 2023. He marketed it using posters of robots, and the service drew in some curious new attendees — “gamer types,” Mr. Cooper said — who had never before been to his congregation.
The thematic prompt he gave ChatGPT to generate various parts of the service was: “How can we recognize truth in a world where A.I. blurs the truth?” ChatGPT came up with a welcome message, a sermon, a children’s program and even a four-verse song, which was the biggest hit of the bunch, Mr. Cooper said. The song went:
As algorithms spin webs of lies
We lift our gaze to the endless skies
Where Christ’s teachings illuminate our way
Dispelling falsehoods with the light of day
Mr. Cooper has not since used the technology to help write sermons, preferring to draw instead from his own experiences. But the presence of A.I. in faith-based spaces, he said, poses a larger question: Can God speak through A.I.?
“That’s a question a lot of Christians online do not like at all because it brings up some fear,” Mr. Cooper said. “It may be for good reason. But I think it’s a worthy question.”
The impact of A.I. on religion and ethics has been a touch point for Pope Francis on several occasions, though he has not directly addressed using A.I. to help write sermons.
Our humanity “enables us to look at things with God’s eyes, to see connections, situations, events and to uncover their real meaning,” the pope said in a message early last year. “Without this kind of wisdom, life becomes bland.”
He added, “Such wisdom cannot be sought from machines.”
Phil EuBank, a pastor at Menlo Church in Menlo Park, Calif., compared A.I. to a “bionic arm” that could supercharge his work. But when it comes to sermon writing, “there’s that Uncanny Valley territory,” he said, “where it may get you really close, but really close can be really weird.”
Rabbi Fixler agreed. He recalled being taken aback when Rabbi Bot asked him to include in his A.I. sermon, a one-time experiment, a line about itself.
“Just as the Torah instructs us to love our neighbors as ourselves,” Rabbi Bot said, “can we also extend this love and empathy to the A.I. entities we create?”
Rabbis have historically been early adopters of new technologies, especially for printed books in the 15th century. But the divinity of those books was in the spiritual relationship that their readers had with God, said Rabbi Oren Hayon, who is also a part of Congregation Emanu El.
To assist his research, Rabbi Hayon regularly uses a custom chatbot trained on 20 years of his own writings. But he has never used A.I. to write portions of sermons.
“Our job is not just to put pretty sentences together,” Rabbi Hayon said. “It’s to hopefully write something that’s lyrical and moving and articulate, but also responds to the uniquely human hungers and pains and losses that we’re aware of because we are in human communities with other people.” He added, “It can’t be automated.”
Kenny Jahng, a tech entrepreneur, believes that fears about ministers’ using generative A.I. are overblown, and that leaning into the technology may even be necessary to appeal to a new generation of young, tech-savvy churchgoers when church attendance across the country is in decline.
Mr. Jahng, the editor in chief of a faith- and tech-focused media company and founder of an A.I. education platform, has traveled the country in the last year to speak at conferences and promote faith-based A.I. products. He also runs a Facebook group for tech-curious church leaders with over 6,000 members.
“We are looking at data that the spiritually curious in Gen Alpha, Gen Z are much higher than boomers and Gen X-ers that have left the church since Covid,” Mr. Jahng said. “It’s this perfect storm.”
As of now, a majority of faith-based A.I. companies cater to Christians and Jews, but custom chatbots for Muslims and Buddhists exist as well.
Some churches have already started to subtly infuse their services and websites with A.I.
The chatbot on the website of the Father’s House, a church in Leesburg, Fla., for instance, appears to offer standard customer service. Among its recommended questions: “What time are your services?”
The next suggestion is more complex.
“Why are my prayers not answered?”
The chatbot was created by Pastors.ai, a start-up founded by Joe Suh, a tech entrepreneur and attendee of Mr. EuBank’s church in Silicon Valley.
After one of Mr. Suh’s longtime pastors left his church, he had the idea of uploading recordings of that pastor’s sermons to ChatGPT. Mr. Suh would then ask the chatbot intimate questions about his faith. He turned the concept into a business.
Mr. Suh’s chatbots are trained on archives of a church’s sermons and information from its website. But around 95 percent of the people who use the chatbots ask them questions about things like service times rather than probing deep into their spirituality, Mr. Suh said.
“I think that will eventually change, but for now, that concept might be a little bit ahead of its time,” he added.
Critics of A.I. use by religious leaders have pointed to the issue of hallucinations — times when chatbots make stuff up. While harmless in certain situations, faith-based A.I. tools that fabricate religious scripture present a serious problem. In Rabbi Bot’s sermon, for instance, the A.I. invented a quote from the Jewish philosopher Maimonides that would have passed as authentic to the casual listener.
For other religious leaders, the issue of A.I. is a simpler one: How can sermon writers hone their craft without doing it entirely themselves?
“I worry for pastors, in some ways, that it won’t help them stretch their sermon writing muscles, which is where I think so much of our great theology and great sermons come from, years and years of preaching,” said Thomas Costello, a pastor at New Hope Hawaii Kai in Honolulu.
On a recent afternoon at his synagogue, Rabbi Hayon recalled taking a picture of his bookshelf and asking his A.I. assistant which of the books he had not quoted in his recent sermons. Before A.I., he would have pulled down the titles themselves, taking the time to read through their indexes, carefully checking them against his own work.
“I was a little sad to miss that part of the process that is so fruitful and so joyful and rich and enlightening, that gives fuel to the life of the Spirit,” Rabbi Hayon said. “Using A.I. does get you to an answer quicker, but you’ve certainly lost something along the way.”
Business
Courts rejects bid to beef up policies issued by California’s home insurer of last resort
Retired nurse Nancy Reed has been through the ringer trying to get insurance for her home next to a San Diego County nature preserve.
First, she was dropped by her longtime carrier and forced onto the state’s insurer of last resort, the California FAIR Plan, which offers basic fire policies — something thousands of residents have experienced at the hands of fire-leery insurance companies.
But what she didn’t expect was how hard it would be to find the extra coverage she needed to augment her FAIR Plan policy, which doesn’t cover common perils such as water damage or liability if someone is injured on a property.
She secured the “difference-in-conditions” policies from two insurers, only to be dropped by both before finally finding another for her Escondido home.
“I’ve lived in this house for 25 years, and I went from a very fair price to ‘we’re not insuring you anymore’ — and I’ve had three different difference-in-conditions policies,” said Reed, 71, who is paying about $2,000 for 12 months of the extra coverage. “And I’m holding my breath to see if I will be renewed next year.”
Now, a Department of Insurance regulation that would have required the FAIR plan to offer that additional coverage has been blocked by a state appeals court — leaving the plan’s customers to find that insurance in a market widely considered dysfunctional.
The court ruled earlier this month that the order would have forced the plan to offer liability insurance, which was not the intent of the Legislature when it established the plan in 1968 to offer essential insurance for those who couldn’t get it.
“We appreciate that the court confirmed the California FAIR Plan is designed and intended to operate as California’s insurer of last resort, providing basic property coverage when it cannot be obtained in the voluntary market,” said spokesperson Hilary McLean.
Insurance Commissioner Ricardo Lara said he is “looking at all available options” following the decision. “I’ve been fighting so people can have access to all of the coverage the FAIR Plan is required by law to provide,” he said in a statement.
Lara has faced criticism from consumer advocates who’ve called for his resignation over his response to the state’s ongoing property insurance crisis.
A FAIR Plan policy covers fires, lightning, smoke damage and internal explosions, as well as vandalism and some other hazards at an additional cost. But in addition to water damage and liability protection, it doesn’t cover such common perils as theft and the damage caused by trees falling on a house.
The demand for the additional coverage — commonly referred to as a “wrap-around” policy — has become even greater than in 2021 when Lara issued the order overturned on appeal.
The FAIR Plan at the time had about 160,000 active dwelling policies following a series of catastrophic wildfires, including the 2018 fire that nearly destroyed the mountain town of Paradise. By September, that number had grown to 646,000.
The insurance department lists less than two dozen companies that offer wrap-around policies, including major California home insurers such as Mercury and Farmers and a a number of smaller carriers.
Broker Dina Smith said that to find the coverage for her home insurance clients she needs to place about 90% of them with carriers not regulated by the state — with the combined coverage typically costing at least twice as much as a regular policy.
“The [market] is very limited,” said Smith, a managing director at Gallagher.
Safeco has not written California wrap-around coverage since the beginning of the year and will begin non-renewing existing policies next month. Smith also said carriers are being selective, with the ones that offer the coverage often demanding exclusions, such as for certain types of water damage.
“If I’ve got a newer home with no prior claims … for liability losses, it’s going to be easy to write. If I get a home that is built in the 1950s that might still have galvanized pipes … that’s going to be a tough one,” she said.
Attorney Amy Bach, executive director of United Policyholders, a San Francisco consumer group, said the difference-in-conditions, or DIC, market is getting just as problematic for homeowners as the overall market.
“The market is not as strong as it needs to be … given how many people are in the FAIR Plan, and there aren’t as many DIC options — with the DIC companies being just as picky as the primary insurers,” she said.
There is also confusion about the policies, she said. Her group is considering pushing for a law next year that would clearly label the coverage so consumers better understand what they are buying.
Business
Student Loan Borrowers in Default Could See Wages Garnished in Early 2026
The Trump administration will begin to garnish the pay of student loan borrowers in January, the Department of Education said Tuesday, stepping up a repayment enforcement effort that began this year.
Beginning the week of Jan. 7, roughly 1,000 borrowers who are in default will receive notices informing them of their status, according to an email from the department. The number of notices will increase on a monthly basis.
The collection activities are “conducted only after student and parent borrowers have been provided sufficient notice and opportunity to repay their loans,” according to the email, which was unsigned.
The announcement comes as many Americans are already struggling financially, and the cost of living is top of mind. The wage garnishing could compound the effects on lower-income families contending with a stressed economy, employment concerns and health care premiums that are set to rise for millions of people.
The email did not contain any details about the nature of the garnishment, such as how much would be deducted from wages, but according to the government’s student aid website, up to 15 percent of a borrower’s take-home pay can be withheld. The government typically directs employers to withhold a certain amount, similar to a payroll tax.
A borrower should be sent a notice of the government’s intent 30 days before the seizure begins, according to the website, StudentAid.gov.
The administration ended a five-year reprieve on student loan repayments in May, paving the way for forced collections — meaning tax refunds and other federal payments, like Social Security, could be withheld and applied toward debt payments.
That move ushered in the end of pandemic-era relief that began in March 2020, when payments were paused. More than 9 percent of total student debt reported between July and September was more than 90 days delinquent or in default, according to the Federal Reserve Bank of New York. In April, only one-third of the 38 million Americans who owed money for college or graduate school and should have been making payments actually were, according to government data.
“It’s going to be more painful as you move down the income distribution,” said Michael Roberts, a professor of finance at the Wharton School at the University of Pennsylvania. But, he added, borrowers have to contend with the fact that they did take out money, even as government policies allowed many to put the loans at the back of their minds.
After several extensions by the Biden administration, payments resumed in October 2023, but borrowers were not penalized for defaulting until last year. About five million borrowers are in default, and millions more are expected to be close to missing payments.
The government had signaled this year that it would send notices that could lead to the garnishing of a portion of a borrower’s paycheck. Being in collections and in default can damage credit scores.
The government garnished wages before the pandemic pause, said Betsy Mayotte, president of the Institute of Student Loan Advisors, which provides free advice for borrowers. But the 2020 collections pause was the first she was aware of, she said, and that may make the deductions more shocking for people who have not had to pay for years.
“There’s a lot of defaulted borrowers that think that there was a mistake made somewhere along the line, or the Department of Education forgot about them,” Ms. Mayotte said. “I think this is going to catch a lot of them off guard.”
The first day after a missed payment, a loan becomes delinquent. After a certain amount of time in delinquency, usually 270 days, the loan is considered in default — the kind of loan determines the time period. If someone defaults on a federal student loan, the entire balance becomes due immediately. Then the loan holder can begin collections, including on wages.
But there are options to reorganize the defaulted loans, including consolidation or rehabilitation, which requires making a certain number of consecutive payments determined by the holder.
Often, people who default on debt owe the smallest amounts, said Constantine Yannelis, an economics professor at the University of Cambridge who researches U.S. student loans.
“They’re often dropouts or they went to two-year, for-profit colleges, and people who spent many, many years in schools, like doctors or lawyers, have very low default rates,” he said.
This year, millions of borrowers saw their credit scores drop after the pause on penalties was lifted. If someone does not earn an income, the government can take the person to court. But, practically speaking, a borrower’s credit score will plummet.
Dr. Yannelis added that a common reason people default was that they were not aware of the repayment options. There are plans that allow borrowers to pay 10 percent of their income rather than having 15 percent garnished, for example.
The whiplash policy changes around the time of the pandemic were “a terrible thing from a borrower-welfare perspective,” Dr. Yannelis said. “Policy uncertainty is really terrible for borrowers.”
Business
Kevin Costner’s western ‘Horizon’ faces more claims of unpaid fees
In the midst of attempting to complete filming on his western anthology ”Horizon: An American Saga,” Kevin Costner is facing another legal dispute over the production.
On Monday, Western Costume Co. sued Costner and the production companies behind the epic western, claiming unpaid costume fees and damages to some of the clothing during the filming of the series’ second episode.
“The costumes are costly to replace if damaged or not returned,” states the complaint, which included copies of invoices for about $134,000 in costume rentals. “Without a reasonable basis for doing so and/or with reckless regard to the consequences, defendants failed to pay for the rented costumes and failed to return the costumes undamaged.”
Western Costume, the iconic business based in North Hollywood, is seeking to recover roughly $440,000, including legal fees, according to the lawsuit filed Monday in Los Angeles Superior Court.
A spokesperson for Costner did not immediately respond to a request for comment.
The lawsuit is the latest in a series of legal and financial problems that have dogged the sprawling western drama, which Costner directed, co-wrote, starred in and partially funded.
In May, United Costume Corp., sued the production, claiming $350,000 in unpaid fees for the first two chapters of “Horizon.” Two months later, the costume firm filed to dismiss the suit with prejudice.
In May, Devyn LaBella, a stunt performer on “Chapter 2,” sued the production for sexual discrimination, harassment and retaliation in Los Angeles Superior Court. LaBella alleged an unscripted rape scene was filmed without the presence of a contractually mandated intimacy coordinator.
In a motion filed in August to get the suit tossed, Costner said he had reviewed LaBella’s complaint and was “shocked at the false and misleading allegations she was making.”
In October, a Los Angeles Superior Court judge denied Costner’s anti-SLAPP motion to dismiss the case. The judge also denied LaBella’s claim that Costner had interfered with her civil rights through the use of intimidation or coercion with respect to her participation in the filming of a rape scene, but allowed several of her other claims to proceed.
The case is pending.
The production is also facing an arbitration claim for alleged breaches in its co-financing agreement with its distributor New Line Cinema and City National Bank, “Horizon” bondholder, according to the Hollywood Reporter.
In June 2024, “Chapter 1” of the planned four-part series was released in theaters followed by a streaming broadcast on HBO Max, but it was largely panned by critics.
In its review, The Times described “Horizon” as “a massive boondoggle, a misguided and excruciatingly tedious cinematic experience.”
It failed at the box office, grossing just $38.8 million worldwide, on a reported $100 million budget.
“Chapter 2” premiered at the Venice International Film Festival last September, but its theatrical release was pulled and remains indefinitely delayed, while the final two chapters remain in production or development, according to IMDb.
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