This Week in ESG and Impact Investing

The White House recently hosted the Women’s History Month: Climate Entrepreneurs Virtual Roundtable , highlighting the work of female founders focusing on climate change. The roundtable featured Stephanie Speirs, co-founder and CEO of Solstice, Dawn Lippert, founder and CEO of Elemental Excelerator, and Kameale Terry, co-founder and CEO of ChargerHelp! A key part of the discussion was the importance of partnering with climate advocates and communities. The speakers shared their strategies for ensuring their companies are not only working towards sustainable solutions but also considering the needs of those they serve. Kameale Terry discussed the importance of policy and public infrastructure. She emphasized that many people rely on public infrastructure for EV implementation, as current EV setups can be expensive. Terry's company, ChargerHelp!, partners with workforce development programs and institutions like Georgia Technical College to train their workforce for the EV industry.

The article below documents the creation of the first social impact bond, a mortgage security backed by home mortgage loans exclusively from minority-owned institutions. Fannie Mae, GE Capital Mortgage Corp., Creative Investment Research, and an institutional investor collaborated to create this mortgage security.  The mortgage security involved private investors providing upfront capital to Creative Investment Research for this specific social intervention, which aimed to open the secondary mortgage market to minority-owned institutions, allowing them to offer more mortgage loans to their target customer base. The investment returns were derived from the underlying mortgage loans, which were tied to the positive social outcome. We note that the graphic above, showing the individual mortgage loans in an MBS pool, was one of the first to use geocoding to display social metrics of an investment, in this case, mapping loan location to area income. This was another significant innovation. 

Kuleliviki leliphelile ngitfole litfuba lekuya ephalamende yelive laseMelika lapho khona umhlonishwa Jerome Powell, sihlalo webaphatsi belibhange lelive laseMelika bekafakaza embikwemalunga mayelana nembiko wenchubomgomo wetimali. Njengemfundzi wekuhamba, ngiyalibonga lelitfuba lekubona umhlonishwa aphendvula imibuto lephuma emalungeni. Ingani phela lokuvela ebala utiphendvulele mayelana nemsebenti lowentako eveni kubalulekile ikkakhulu emaveni labusa ngentsandvo yelinyenti.  Njengemfundzi weTemnotfo, ngite kulomhlangano nginenkhaphunkhaphu yekwati kutsi ngabe libhange lelive litawumisa njani kute inhloso yekugcina bantfu bacashiwe ngelizinga lelisetulu kanye nekugcina intsengo yemphahla isimeme. Kusobala kutsi umgomo wetimali ungabunjwa kuze kutsi ugcine intsengo yemphahla isimeme, nome loko nje kulukhuni ngoba kusenekuholela ekutseni labanye bantfu balahlekelwe ngumsebenti. 

채팅 GPT 는 지속적인 학습과 종합적인 추론을 바탕으로 기존에 배우지 못했던 문장이나 언어 표현을 만들 수 있는 능력이 확실히 있습니다 . 그러나 채팅 GPT 는 영원히 교육 데이터를 기반으로 응답만 생성할 수 있으며 , 교육 데이터의 출처가 명확하지 않으므로 채팅 GPT 가 제공하는 정보에 의존하는 것은 큰 위험이 있습니다 .   채팅 GPT 자체의 주요 단점은 다음과 같습니다 . 첫째 , Chat GPT 는 교육 데이터에만 기반하여 응답을 생성할 수 있기 때문에 창의성이 부족합니다 . 둘째 , 대규모 학습 데이터에도 불구하고 상황에 대한 이해가 불분명한 경우가 있습니다 . 셋째 , 상식적인 추론과 지식을 이해하고 처리하는 능력이 부족합니다 . 넷째 , 보안 문제에도 취약합니다 . 조사 결과 채팅 GPT 플러스 사용자의 1.2% 가 다른 사용자에게 개인 데이터를 노출했을 가능성도 있는 것으로 나타났습니다 . 마지막으로 2021 년까지 데이터를 기반으로 교육을 받았기 때문에 후속 정보를 모른다는 단점이 있습니다 . 채팅 GPT 는 인간의 생산성을 높이는 도구로 , 그 가치를 제대로 실현하기 위해서는 채팅 GPT 보다 더 많은 것을 아는 인간의 지식이 여전히 필요하며 , 사용자가 잘 모르는 영역보다 사용자가 잘 아는 영역을 활용할 때 더 큰 힘을 발휘할 수 있을 것입니다 . 채팅 GPT 가 함께 할 수 있는 긍정적인 효과와 부정적인 효과를 고려할 때 , 채팅 GPT 가 우리의 일상생활에서 어떻게 , 얼마나 많이 사용되어야 하는지에 대해 생각해 볼 필요가 있습니다 . 그러나 채팅 GPT 의 등장은 전 세계적으로 경제적 , 기술적으로 상당한 영향을 미칠 것이 분명합니다 . AI 기술 패권 다툼은 이미 시작됐고 , 정부와 관련 업계는 충분히 대응해야 할 것입니다 .

Chat GPT is an "artificial intelligence" or AI tool with the ability to create sentences or language expressions that it has not been previously exposed to or "learned." It does this based on constant learning and comprehensive reasoning. Chat GPT can only generate responses based on training data, and the source of training data is not clear. This means relying on  information provided by Chat GPT is a risk.  The main shortcomings of Chat GPT are as follows: Chat GPT lacks creativity because it generates responses based only on training data.  It sometimes exhibits an unclear understanding of human situations despite having a large-scale learning database. It lacks the ability to understand and process using common sense reasoning and knowledge. It has the disadvantage of not knowing recent information because it has been trained on data up to 2021. Chat GPT is promoted as a tool to increase human productivity. In order to properly realize its value, more human kno

The IPCC AR6 is a significant report that provides a comprehensive overview of the current state of scientific understanding on climate change and its impacts. As we continue to grapple with this global challenge, there are five key takeaways from the report that are relevant to the growing seaweed production industry and the intergenerational transfer of environmental assets.   Firstly, the report highlights the urgent need for immediate and sustained reductions in greenhouse gas emissions to limit further warming and reduce the impacts of climate change. The seaweed production industry can play a crucial role in this effort, as seaweed absorbs carbon dioxide from the atmosphere and can be used to produce a range of sustainable products, such as biofuels, animal feed, and biodegradable packaging.  Secondly, the report underscores the importance of adaptation measures, particularly for vulnerable communities. Seaweed cultivation can provide a means of adaptation for coastal communiti