Credit Karma

Data and Environment Curation for Post-Training LLMs — Mahesh Sathiamoorthy, Bespoke Labs

Jul 31, 2026 · 19:12

Mahesh Sathiamoorthy, CEO of Bespoke Labs, argues that data and RL environments, not algorithms, are the bottleneck in post-training LLMs, and shares open-source work including OpenThoughts and Curator. He details the OpenThoughts curation recipe, built with Stanford, Berkeley, and UW, whose counterintuitive lessons include that sampling multiple answers per question works well, stronger teachers are not always better, and synthetic rewriting failed for agent tasks. He notes that for agents, SFT still contributes most of the gains, with RL only adding the last few percentages. A concrete production case: Credit Karma needed compliant credit card recommendations, and tagging fine-tuning data lifted compliance metrics while improving latency and throughput. He closes with the full stack needed to build RL environments and post-train agents.

Why Off-the-Shelf AI Doesn't Understand Money — Udi Menkes, Intuit

Jul 29, 2026 · 19:50

Udi Menkes, principal PM at Intuit, argues that off-the-shelf frontier models deliver a 'fluent bluff' when advising on money: advice that sounds right but is dangerous because models have read about money but lack experience. He shows a rental property example where a frontier model told a landlord in negative cash flow to acquire a second property, while a model grounded in real outcomes recommended raising rent 5-10%. Intuit's head-to-head test across 100,000 businesses found frontier models gave advice that would harm businesses 40% of the time, while a mid-sized grounded model outperformed them by training on millions of state-action-outcome records from QuickBooks data. A Princeton study confirmed frontier models given $1M went bankrupt within 500 days, while a simple rule-based system beat them. Menkes says the moat belongs to whoever owns the best system of context, and advises leaders to find verified outcomes in their own data to ground AI.