Is this you? As a journalist, you can create a free Muck Rack account to customize your profile, list your contact preferences, and upload a portfolio of your best work.
Claim your profile
Articles by Michael Bright
Lidožrouti
Domů Knihy Lidožrouti Přehled Hrůzostrašné případy zvířat, kterým zachutnalo lidské maso, nás fascinují odjakživa. Vlci unášející děti z vesniček v Indii i případy napadení lidí žraloky a krokodýly ukazují, jak křehký a bezbranný pán tvorstva může být.
1. Philosophical Perspective: “The Eye of the Machine: Who Sees Whom?”
A philosopher might ask: • What does it mean for a machine to ‘see’? • Can an algorithm ever understand the human experience of vision? • If sight is not just physical perception, but a pathway to consciousness, what does it mean when machines assist or even surpass us in that domain? AI in eye care raises ethical concerns: • Whose biases shape the algorithms? • Are we replacing relational care with technical efficiency?
AI initiatives in Africa are gaining momentum as the continent seeks to harness artificial intelligence to address its unique challenges and drive socio-economic growth. | by Michael Bright | Mar, 2025 | Medium
Michael Bright · Follow 3 min read · -- Photo by Alex Radelich on Unsplash Research and Development • Google’s AI Research Center in Ghana: Established in Accra, this hub focuses on AI solutions tailored to African needs. One notable project is the “Flood Hub” tool, which accurately predicted floods in South Africa’s Western Cape and now provides warnings in 23 African countries.
Hospitals Are Dying: How AI Is Reshaping Healthcare in 2025
Michael Bright · Follow 3 min read · -- Hospitals Are Dying: How AI Is Reshaping Healthcare in 2025 The traditional healthcare system is undergoing its biggest transformation in history. The $4.3 trillion healthcare industry, long dominated by hospitals and in-person care, is rapidly shifting toward AI-driven solutions that diagnose, treat, and even prevent diseases — before you ever step foot in a hospital.
Reforming Fannie and Freddie is overdue, but must be done carefully
Some in Washington are once again talking about reforming government-sponsored enterprises, or GSEs, Fannie Mae and Freddie Mac and finally removing them from federal conservatorship . Federal control of the mortgage lending giants was never meant to...
It's The Process and The Culture
So many organizations out there have the ability to quickly and seamlessly release their code to production. Their ability to automatically run their test suites and then release are made easier by tools such as GitHub Actions, Gitlab, CircleCI, and BambooCI, to name a few. Their goals are met and people are satisfied with automatic releases. The Question I have then is: Is their really Confident CI/CD?
Confident Culture: Becoming Rather Than Performing
Ok. This is going to be a rough article, but bear with me, ultimately it will make a difference. From a culture perspective, I believe we have been doing things wrong. Yes, we focus on the performance of our Organization, and we have tons of data to support our perspectives, yet, we admit we wish we could do better. So how do we do that? The traditional model and thought process is to analyze what we are doing and what could do better, and then focus on doing better.
Securitization Benefits Americans by Reducing Risk and Interest Rates
By Michael Bright There’s safety in numbers as the saying goes. That’s especially true in finance. When loans are bundled together into a bond – a process called securitization – the combination produces lower interest rates and a reduced risk of default. A safer financial system – and savings for consumers and small businesses – result. Homes, office buildings, credit card debt, and cars are more affordable because of securitization.
Consumers Defy Economists' Optimism
By Michael Bright If you listen to economists, the financial condition of Americans is strong. The Federal Reserve board has paused in raising interest rates, they note, and price inflation has slowed. The dreaded recession that almost every economist was predicting has yet to materialize and might be avoided entirely. Why, then, are people complaining about their financial lives?
Strong Employment Means High Interest Rates for Longer
By Michael Bright A blowout jobs report would usually be a good sign for a nation’s economy. But the U.S. jobs report that came out earlier this month increased fears that interest rates will remain elevated for longer than had been expected. The Labor Department reported that nonfarm payrolls surged by 336,000 jobs last month, surpassing expectations. The implications also are outsized. Economists had predicted a more modest addition of 170,000 jobs, half the actual number.
Mortgage Rates: A Primer
By Michael Bright Mortgage rates are north of 7 percent for a 30-year fixed loan, the highest mortgage rates since 2004. That is a psychological fact in addition to being a financial data point. For 20 years, people have grown accustomed to rates lower than today’s. They were in the 3 percent range not long ago. Those were historically low, but people got used to them. The whipsaw between then and now has made homebuyers – and home sellers – gun shy.
SEC's proposed conflict-of-interest rules include a massive oversight
One can be forgiven for losing track of the rules coming out of the Securities and Exchange Commission. From regulations that would reshape the wild west of cryptocurrencies to new restrictions on the equity markets, the SEC is fiddling with the...
A Flurry of New Financial Services Regulations Threatens the Economy
Privacy Overview This website uses cookies to improve your experience while you navigate through the website. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies.
A flurry of new financial services regulations threatens the economy
Predictions for the U.S. economy in 2023 were dire. The hangover from the pandemic and the war in Ukraine presented obstacles — from rapid inflation to slow supply chains — that could easily tip America's finances into a steep recession. On top of...
Don’t Expect Lower Interest Rates Anytime Soon
Privacy Overview This website uses cookies to improve your experience while you navigate through the website. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies.
Spending Cuts Likely Are Coming in Debt Ceiling Deal
Privacy Overview This website uses cookies to improve your experience while you navigate through the website. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies.
Keep Your Eye on Housing to Gauge Economic Trajectory
Privacy Overview This website uses cookies to improve your experience while you navigate through the website. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies.
OPINION | Little-noticed SEC hedging curb imperils banks, financial firms
The massive bank failures in recent weeks were due largely to a lack of solid hedging strategies – an important way for financial institutions to handle risk. Despite that, the Securities and Exchange Commission is quickly and quietly implementing a provision of the Dodd-Frank Act that would significantly increase the difficulty, burden, and expense of basic hedging.
Little-Noticed SEC Hedging Curb Imperils Banks, Financial Firms
The massive bank failures in recent weeks were due largely to a lack of solid hedging strategies – an important way for financial institutions to handle risk. Despite that, the Securities and Exchange Commission is quickly and quietly implementing a provision of the Dodd-Frank Act that would significantly increase the difficulty, burden, and expense of basic hedging.
Baby/Bathwater SEC Proposal Should Be Delayed
Privacy Overview This website uses cookies to improve your experience while you navigate through the website. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies.
Economic Soft Landing Still on Track
Privacy Overview This website uses cookies to improve your experience while you navigate through the website. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies.
Confident Software: DORA series - Deployment Frequency
Confident Software: DORA series — Deployment Frequency This is the first in a series about the DevOps Research and Assessment (DORA) metrics that are becoming a standard in the current environment. The metrics that the DORA body encourage, help to indicate a successful and efficient software development organization.
Leading by Confidence
Let's face it, there are so many books, articles, and information on business and how to be an effective leader, that ultimately, there isn't much more to say. So naturally, I'm going to say something. Most likely, I will repeat a form of something you have already heard or read. My hope, however, is that this will provide a fresh perspective on the process of becoming a successful leader.
It's Not a Tool It's Your Process
Successful CI/CD is hard. As I work with more and more people to help them with their CI/CD process, I come to realize that more and more, people are being sold on the wrong idea. They sold the idea that they need a tool. You know what I mean. You can see the marketing jargon all over the internet. Things like: "Up to 70% faster build times than others" "Scalable App Development" "Deploy Continuously & Release Progressively.
The Right Side Of The Law
Michael Bright is a Director of Gaze Burt and a specialist business and franchise lawyer of many years’ experience. The comments in this article are necessarily generalised and simplified, so cannot be taken as legal advice. If you think your practices might be caught by any of these laws, please take legal advice specific to your situation. Might some franchisors’ attempts to help their franchisees cause them to fall foul of some unexpected laws?
Michael Bright: Where residential mortgage-backed securities can take sustainable investing
ESG investing — that is “environmental, social and governance” money management — goes by many monikers. Some call it “sustainable investing,” others “impact investing.” The United Nations, which coined the term two decades ago in the wake of the Enron and Exxon Valdez scandals, sometimes refers to it as “inclusive investing.” All these phrases imply that capitalism can consider factors outside of quarterly earnings when making investment decisions. Others are less sanguine about the movement.
Opinion: The larger risk from a barely noticed CFPB lawsuit
As all participants in the mortgage industry know, securitization is a critical tool for making loans to homeowners at affordable rates. The process of bundling loans and separating risks makes available fixed-rate mortgages that are fully prepayable at borrowing costs well below other forms of debt. To say that securitization is critical to American homeownership is, to say the least, a massive understatement.
Michael Bright: Thoughts for the next FHFA director
Now that we have clarity around the structure of the Federal Housing Finance Agency (FHFA), and as the president considers installing a new permanent director, an opportunity arises for the next evolution in housing finance policy. But success for either Acting Director Sandra Thompson — who, by all accounts, will bring a steady hand — and whomever comes next, will rely on steady leadership and a willingness to learn from dynamics of the past.
12 tips and traps for franchise buyers
by Michael Bright last updated 23/06/2021 Michael Bright is a specialist franchise lawyer and partner at Gaze Burt. He helps franchisees buy into franchise systems, deals with difficult situations and acts for a variety of national and international franchisors and start-ups.
Legislation needed to tackle Libor legacy problem for millions
The writer is chief executive of the Structured Finance Association After almost four decades of use, Libor is coming to a long-planned...
2021 means new challenges for mortgage lending
For many of us, the start of a new year is usually synonymous with a renewed sense of professional self, focusing on new goals, new prospects for the year and, of course, the excitement for the upcoming spring real estate market. As we think about coming out of this first month of the year, we’ve quickly realized this year is going to be anything but planned or what we in the mortgage lending industry are used to.
The mortgage industry should build ATR rule governance
It seems simple enough on its face: when a lender makes a home loan, the lender must determine, document, and verify that the prospective borrower has the ability to repay their full loan.
We Need to Think Bigger and Differently From 2008
AP Photo/Ted Shaffrey, File downturn is not of our own making, but it could be much deeper than 12 years ago. This Read Full Article » Show comments Hide Comments Related Articles
The COVID-19 Pandemic Requires Bigger And Different Thinking Than 2008
I remember very clearly my first day in Washington, D.C., in 2008. Then-Secretary of Treasury Hank Paulson testified before the Senate Banking Committee to ask for a massive cash infusion into the financial system as the nation found itself on the brink of the most serious financial crisis since the Great Depression. I had just come from Charlotte, North Carolina, where I had been laid off from my trading job at Wachovia.
Recapping The Structured Finance Association’s 2020 Conference
In late February, roughly 48 hours before fears of the COVID-19 pandemic began shutting down conferences across the entire globe, 8,200 members of the structured finance community gathered (with washed hands) at the Aria Hotel in Las Vegas for the Structured Finance Association (SFA)’s annual conference. This year’s event was the largest in the organization’s history and, as such, was the single-largest capital markets conference ever.
More Women & Minorities In Finance Would Stop Crises | RealClearMarkets
More Women & Minorities In Finance Would Stop Crises
Real Reason We Need More Women and Color In Finance
Real Reason We Need More Women and Color In Finance More diversity in Wall Street's C-suites might just help prevent the next financial crisis.
The Real Reason We Need More Women and People of Color in Finance
Last year, a part of Wall Street called “structured finance” funded nearly a half-trillion dollars of loans to consumers and businesses across the country. As the Structured Finance Association, the Washington trade association that represents this industry before policymakers and the public, we have plenty on our plate.
Mistrovská díla planety Země
O knize Mistrovská díla planety Země Do ruda rozžhavená láva explodující při kontaktu s oceánem, gejzíry chrlící sloupy vroucí vody, barevné prameny obsahující termofilní bakterie, obrovské ledovce velké jako budovy, burácející vodopády, které se střemhlav vrhají do hlubokých roklí, vrstvy skalního podloží podobné vlnám. To je jen pár příkladů toho, co najdete na stránkách této knihy.
DARWIN'S TREE OF LIFE
Be the first to discover new talent! Each week, our editors select the one author and one book they believe to be most worthy of your attention and highlight them in our Pro Connect email alert. Sign up here to receive your FREE alerts. Email address: Please provide an email address.
SEPTEMBER 2019 BOOK CLUB: 5 BOOKS FOR HIGH PERFORMERS
The book: Life from Above By: Michael Bright and Chloë Sarosh The gist: Published to accompany the PBS docuseries of the same name airing later this fall, this tome features over 200 satellite photographs celebrating the natural world in locations like the Lençóis Maranhenses National Park in Brazil and the tulip fields of Holland. The images also provide a lens onto the effects of climate change, portrayed in the melting ice caps off Greenland and the Great Barrier Reef’s bleached coral.
If Otzi The Iceman Were Alive Today, He’d Be A Democrat
When Otzi the Iceman was first discovered in 1991, his body was so well-preserved that, even though he’d been dead some 5,300 years, you could’ve mistaken him for someone who’d died the day before. His corpse provided unprecedented insight into what life was like in 3300 B.C. and how it differed from modern times.
Margaret Elizabeth Abel
Margaret Elizabeth Abel, whose married name was Bright, was educated at the Atherley School in Southampton and Cheltenham Ladies’ College. In 1956 she gained a state scholarship to Girton College, Cambridge, to read for the Natural Sciences Tripos; she was awarded an exhibition by Girton after her first year. She completed the degree course in two years and read pathology in her third year.
NSTA Recommends: Product Review
Resources for science teachers
5 regulatory reform questions worth considering in the wake of the election
It will take some time for the dust to settle from Election Day 2016. But when it does, Washington needs to be ready to roll up its sleeves and get to work. Elections offer a vital glimpse into the mindset of the American public. And last week one message seemed to clearly come through—Americans want economic growth to be faster and broader. So how can Washington help make that happen? There are many facets to the challenge, but certainly the role of the financial services sector will be vital.
Show More
loading
Actions
Is this you?
As a journalist, you can create a free Muck Rack account to customize your profile, list your contact preferences, and upload a portfolio of your best work.Get in touch with Michael
Contact Michael, search articles and posts on X, monitor coverage, and track replies from one place.
Learn more about Muck Rack