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Stay Curious.
Make the most of your college experience.
Jeff Hulett
Curator, The Curiosity Vine
Stay Curious.
The Curiosity Vine is an idea incubator.
Our contributors have experience and interest in a variety of high-impact topics, such as science, technology, conservation, mathematics, data science, public policy, economics, and others. Our objective is to promote early-stage ideas, enable idea collaboration, and test idea purchase.
TCV platform is curated by Jeff Hulett.
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Learn about why you should join The Curiosity Vine.
TCV's ideas are used to provide seminars, write books, build businesses, and especially to help people.
So take a look around the site, feel free to ask or answer your own questions, and enjoy your own curiosity exploration!
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Featured Posts
Birds, Frogs, and AI: Who Wins and Loses in the New Labor Economy?
In 2008, theoretical physicist Freeman Dyson delivered a famous lecture describing two types of thinkers driving scientific progress: Birds and Frogs. Birds fly high, surveying broad vistas, unifying disparate concepts, and proposing grand theoretical frameworks. Frogs live down in the mud, delighting in fine details, solving specific localized problems, and exploring concrete structures. Dyson insisted both remained essential; neither held superiority. A frog-like focus alig
The Science of Changing Your Mind: An Intuition-First Guide to Bayesian Thinking
Decision-makers navigate uncertainty, seeking conviction in an unpredictable world. This article explores a practical, intuition-first application of Bayesian Inference. Readers learn how a straightforward mental model, supported by a clear framework and an interactive calculator, sharpens decision confidence. While the text examines core mathematical relationships, the mechanics remain in service of practical intuition, equipping individuals to evaluate new evidence and adju
Beyond "Lesser-of-Two-Evils": A Guide to Voting Your Conscience
People like to imagine political campaigns as a pitch for a better future (a candidate standing on stage declaring, "Vote for me because here is what I will build, protect, and deliver"). Instead, voters face a relentless strategy built almost entirely on fear. Over the past fifty years, institutional reforms shifted power toward low-turnout primaries dominated by party activists and focused money. Consequently, positive visions quietly gave way to defensive positioning. Mode
An Investment in Emergence: 35 Years, Four Children, and the Generational Power of Everyday Faithfulness
Looking back on our journey together, my wife Patti and I feel such gratitude. We met over 40 years ago at the beginning of college and now approach our 35th wedding anniversary. Over those decades, four wonderful children (three sons and a daughter) blessed our lives, ranging from 31 down to our youngest, David, who is 25. Born roughly two years apart, watching them grow from energetic kids into healthy adults remains the great privilege of our lives. Recently, David got eng
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Treasury Rates Update: January 22nd, 2026
As we approach the critical Federal Reserve meeting on January 28th, the Treasury market has signaled a decisive shift. This past week, we observed a broad-based move higher in yields, suggesting that the market is recalibrating for a potentially more hawkish path than previously anticipated. The 10-year Treasury rate surged by 9 basis points (bp) over the last seven days. This brings the cumulative two-week increase to 11bp, effectively reversing the softening we saw in mid-
Jeff Hulett
Jan 241 min read
Do I need to be a data scientist in an AI-enabled world?
So, the short answer to the headline question is no, absolutely not...
Jeff Hulett
Jan 2411 min read
Treasury Rates Update: January 15th, 2026
The U.S. Treasury market showed signs of a tactical shift this week as the yield curve flattened slightly. While the headline 10-year rate appears stable, the internal dynamics of the market suggest investors are recalibrating their expectations for both short-term policy and long-term growth as we approach the next Federal Reserve meeting. The 10-year Treasury rate edged down by 1 basis point (bp) for the week, matching its cumulative 1bp decline over the past 14 days. Despi
Jeff Hulett
Jan 171 min read
Mortgage Rates Update: January 15th, 2026
The mortgage market experienced a significant move toward improved affordability during the week ending January 15, 2026. As an economist who closely tracks market volatility, I find the latest data particularly encouraging because mortgage rates outpaced the downward movement of benchmark Treasury yields. The 30-year fixed mortgage rate dropped by 10 basis points to settle at 6.06 percent. During the same period, the 10 Year Treasury rate saw a more modest decline of 2 basis
Jeff Hulett
Jan 161 min read
Money, Math, and Mistakes: Training Sophisticated Neural Networks for the Realities of Banking
Introduction: Bridging the Gap As you begin your journey into the world of data science, it is easy to focus entirely on the "how"—the code, the math, and the algorithms. However, in the world of banking, the "why" and the "where" are just as important. This session is intended to provide you with the professional context for how neural networks and related predictive modeling are actually deployed in a highly regulated industry. We will explore the "translation gap" between
Jeff Hulett
Jan 1115 min read
Treasury Rates Update: January 8, 2026
Entering the first full week of 2026, the Treasury market is exhibiting a steady, albeit cautious, temperament as it digests the transition into the new year. We are observing a yield curve that continues to pivot into a more positive position, characterized by softening at the very short end and a marginal drift higher in longer-dated maturities. The 10-year Treasury rate concluded the week up a nominal 1 basis point (bp), mirroring its cumulative 1bp increase over the past
Jeff Hulett
Jan 91 min read
Mortgage Rates Update: January 8th, 2026
As we open the first full week of 2026, the mortgage market has exhibited a remarkable degree of stability, characterized by a parallel shift in both primary and secondary market yields. For the week ending January 8, 2026, the 30-year fixed mortgage rate increased by a marginal 1 basis point to settle at 6.16 percent. This incremental move was mirrored precisely by the 10 Year Treasury rate, which also rose by 1 basis point to 4.19 percent. In my experience, such synchronize
Jeff Hulett
Jan 91 min read
Beyond the Resumé: Decoding the Biological Signals of Leadership Success and Burnout
This article explores my leadership story through the lens of neurobiology. At the time, I was a young leader in my 30s. I lacked the vocabulary to describe my own neurodiversity, but I was acutely aware of my "differentness." I was fortunate to navigate those internal challenges in a way that eventually empowered my amazing teams and fueled our collective success. I offer these insights to help you connect your own unique neurobiology to your work environment; we all possess
Jeff Hulett
Jan 411 min read
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