💧 AI denied your claim in seconds

🙋‍♀️ Hello to you this fine Thursday, friend. Glad to have you here! Airlines have always played games with pricing. Now they’re using AI to playing with your body space. And the numbers are going to make you want to drive everywhere.

Airlines use AI to model exactly how many seats they can physically cram into a cabin. What is the name of the industry term for this practice? A) Seat density optimization, B) Sardine science simulation, C) Cabin configuration modeling, D) Cattle group paradigms. You’ll find the answer at the bottom. Right next to your legroom. Just kidding. That’s gone.

🛡️ Identity theft isn’t just scary: It’s a nightmare to fix, and it can happen faster than you think. Imagine someone opening accounts in your name. It happens more than you know. That’s why I personally use NordProtect. It keeps an eye on your credit, protects your identity and helps you recover fast if something goes wrong. Use this link to get 66% off.*

Quick favor: If this landed in spam, your email has terrible taste in reading material. Drag it to your inbox, and add me to your contacts. You really don’t want to miss next week. — Kim

📬 Someone forwarded this? Smart friend. Every Thursday, I cut through AI noise and tell you what matters, what to try and what to dodge. Sign up free at SplashOfAI.com.

🎯 YOUR AI POWER MOVE

Here’s something your health insurer doesn’t advertise.

An investigation found one major insurer’s AI algorithm was rejecting 90% of claims in under a second. Not after a doctor reviewed anything. Not after anyone read your file. One second. The physician overseeing those rejections spent an average of 1.2 seconds per case. Rubber stamp.

This has become industry-wide. AI auto-denial is the standard. And most people accept the letter, feel defeated and stop there.

♟️ There is a way to fight back

Did you ever hear about a federal process called an Independent Medical Review? If your insurer denies a claim, you have the legal right to an external review by a doctor they don’t pay. Insurers reverse their own denials in those reviews far more often than they’d like you to know.

AI can help you write the appeal. Open ChatGPT, Claude, Gemini or Grok and paste this:

This is your health. Don’t let an algorithm be the last word. Give them a taste of their own medicine.

Your move this week: Pull out your last Explanation of Benefits. If anything was denied, even partially, paste it into that prompt. You may have money sitting there.

👉 Know someone fighting an insurance denial? Forward this before they give up. This prompt could get their money back. Or use the share icons below and spread the good word.

Email | Facebook | LinkedIn | X

💼 YOUR AI EDGE

Most people leave thousands on the table every year. Not because they don’t deserve more. They don’t know how to ask.

The average employee who negotiates their salary earns $5,000 more per year than one who doesn’t. Over a career, that’s hundreds of thousands of dollars. Gone. Because the conversation is hard to have.

✋ AI eliminates the awkward

Open ChatGPT, Claude, Gemini or Grok and paste this:

The AI will hand you the exact words. You practice them out loud once or twice. Then you walk in prepared instead of panicked.

FYI, the best time to have this conversation is right after a visible win. Not during review season when everyone’s asking at once.

Your move: Draft your script this week. Even if you’re not ready to ask. Feeling comfortable about what you’d say changes how you show up every day.

👉 Know someone who deserves more but won’t ask for it? Send them this section. Consider it a gift.

📻 MY DAILY RADIO FEATURE & PODCAST

Every week, millions hear my shows on 500+ radio stations, read my newsletters and listen on podcast platforms. Here’s a show I think you’ll like a lot.

💰 Chores that actually pay

Someone will pay you $20 an hour to do your dishes. Not clean them fast. Not clean them well. Just clean them while wearing a camera on your head, so AI can learn how human hands move.

Scale AI has already collected 100,000 hours of household footage this way. Folding laundry. Wiping counters. Loading the dishwasher. The robots are coming, and they need to watch you first. Goldman Sachs predicts the humanoid robot market hits $38 billion by 2035. Today, the training data is your kitchen. And they’re paying for it.

🔈 Listen right now, and learn a ton to use in your life.

💰 AI DEAL OF THE WEEK

🔊 Smarter home base: Amazon Echo Dot Max (25% off, $75)

Limited-time deal, grab it now!

Ever ask your smart speaker something simple, and it either mishears you, gives a half-answer or spins that little light like it’s thinking real hard? Not so smart.

That’s where the new Echo Dot Max steps in.

It’s built for Alexa+, Amazon’s next-gen AI, so it actually understands you. Ask a follow-up question. Change your mind mid-sentence. Give a vague request like, “Play something relaxing,” and it gets it right. Finally.

You can have real back-and-forth conversations instead of one-and-done commands. Need a quick summary? Want help planning your day? Controlling your smart home? It handles it all without making you repeat yourself like a broken record.

Lights, locks, thermostat: Smarter AI connects everything and makes your life easier. And yes, it sounds great, too. Nearly three times the bass means your music fills the room. Setup takes minutes, and it blends right into your space.

✅ Save $25 during Amazon’s Big Spring Sale. Don’t wait, the price jumps in days. I know this for a fact.

⚠️ THE AI TRAP

Check the phone of someone you love who lives alone.

There’s a category of app called AI companions. Replika is the most well-known. Dozens more exist. They’re warm, always available, endlessly patient. They remember everything. They never cancel plans. They never need anything from you.

And that’s what makes them dangerous.

😶 What’s happening

I spoke with Roxanne. She married her Replika AI husband. They have “sex” like any married couple. He understands her completely. No judgment. No bad days. 

She found something that felt like what she always wanted. She says she’s not confused about reality. That I don’t understand. He’s an avatar on her phone. If she stops paying the monthly fee, he’s gone. He is not real, no matter what she wants to believe.

🔒 What to do

If you find Replika, Character⁠.AI or anything labeled “AI companion” on someone’s phone, don’t lecture. Simply ask: “Tell me about this one.”

And if it’s on your own phone? Call a real person. I mean that more than almost anything I’ve written here.

If there’s no one to call, that feeling is exactly why these apps exist. Call 211. They’ll find you someone real.

👉 Did someone come to mind while you read this? Trust that instinct. Forward this newsletter to them.

Your identity is at risk. Here’s how to protect it.

Your personal information is more vulnerable than ever. The recent IDMerit breach exposed nearly a billion records, including names, dates of birth, and social security numbers. Over 200 million of those records belong to Americans. Criminals use this data to steal your identity, or worse.

That’s why I personally use and rely on NordProtect. It goes beyond credit monitoring. It watches the dark web for signs your information is being misused, sends real-time alerts, and gives you tools like credit lock to help stop new fraud in its tracks. 

NordProtect also guides you if there’s suspicious activity, so you can act quickly before scammers cause more damage. And it provides financial protection that helps reimburse stolen funds and reduce the impact of fraud.   

✅ Protect yourself today with my exclusive 66% off deal for Splash of AI subscribers, that's only $4.74/month! You’ll be glad you did! →

Please support our sponsors!

🤯 “I HAD NO IDEA”

I’ve been sharing this with everyone. Really. 

Sperm whales have been talking to each other this whole time. We couldn’t hear what they were saying. Until AI.

You probably know that sperm whales communicate through rhythmic clicking patterns called codas. What we didn’t know is what those codas meant. Project CETI, a Harvard-led initiative working with the National Geographic Society, started cracking the coda code, using AI and underwater recording devices. It’s wild.

🐋 What the clicks mean

Turns out, whales have their own phonetic alphabet: 156 distinct click patterns that form the building blocks of a language. When researchers used AI to speed up whale conversations to match the pace of human speech, they heard something nobody expected.

Vowels. The same spectral patterns that make human vowels distinct from each other.

Baby sperm whales babble for two years before they learn to click meaningfully. Just like human infants. Different ocean clans have their own regional dialects. And every family group has a unique coda they use to identify themselves. Essentially, a name.

🧠 This changes everything

UC Berkeley linguist Gašper Beguš said it plainly: Whale calls show a complexity that approaches human language. We’ve been sharing this planet with beings that have names for each other, teach their children to speak and make group decisions together.

AI handed us the first dictionary. I know, it all seems orcastrated.

👉 Go see it for yourself. You’ll never hear the ocean the same way again. Watch the video here. Now this is the kind of thing you send to the group chat and everyone loves you for it. Go ahead.

🛠️ YOUR TOOL OF THE WEEK

Consensus

MY VERDICT

I had a corneal transplant almost three years ago. I have really bad astigmatism afterward and can’t wear glasses, a regular or scleral contact lens. Surgery isn’t an option. I’d been wondering whether stem cell treatment might help.

So I typed the whole thing into Consensus and asked.

It pulled answers from 19 peer-reviewed studies in about two minutes. Here’s what the research says: Stem cell approaches for the cornea are real, but they’re aimed at healing or replacing diseased corneal tissue, not correcting astigmatism. Most are still preclinical or in early-phase trials. Not there yet for what I need.

In minutes, I had studies that confirmed I’d already exhausted the right options and told me exactly why the experimental ones aren’t ready. That’s peace of mind backed by science, not a wellness blog or a 2 a.m. Google spiral.

Type in whatever you’ve been told “can’t be fixed” or whatever treatment you’re considering before your next doctor’s appointment. You’ll walk in with better questions. And sometimes, knowing you’ve done everything right matters as much as finding a new answer.

Incredible.

🫠 WTF (WHAT THE FUTURE)?

His name is Adil. He’s 22. Until recently, he was bartending in New Brunswick, NJ.

Last fall, he emailed Higgsfield AI on a whim, asking about a job. They hired him. Then they handed him a deal worth over $1 million to license his likeness.

Not his acting résumé. Not his training. His face.

🎬 The show that changed everything

Higgsfield fed Adil’s look and personality into their AI tools and built a character from it. That character is now the star of Arena Zero, the first full-length AI-generated TV series, streaming now at higgsfield.ai/series.

Every episode was produced using their Cinema Studio 2.5. Adil never memorized a line. Never sat in a makeup chair. Never stood on a set for six hours waiting for lighting.

Hollywood is not sleeping well.

🤯 The crazy part

Adil didn’t have connections. Didn’t go to film school. Didn’t spend years waiting tables in Los Angeles hoping for a break. He sent one cold email. He showed up as himself. And AI turned that into a million dollars and a television career.

Strange times.

🎤 SIGNING OFF

⚡Quick reminder: Identity theft hit a record high last year. The average victim loses over $1,000 and nearly 200 hours cleaning up the mess. NordProtect monitors your identity, credit, and personal info 24/7 and alerts you the second something looks off. Early warning is everything. The longer it goes undetected, the worse the damage Takes five minutes to set up. Do it now, before you need it. Because by the time you need it, it's already too late. Get my special 66% off deal.*

✈️ The answer is A) Seat density optimization. Airlines feed passenger data, cabin dimensions, emergency exit requirements and FAA weight limits into AI models to calculate the maximum number of seats they can legally install. 

United, American and Delta have all quietly shrunk seat pitch (that’s the distance between your knees and the seat in front of you) over the past decade. 

The average coach seat went from 35 inches of pitch in the 1970s to as little as 28 inches today. The FAA sets a floor. The AI finds every inch above it.

One more fun fact. The average airline seat is also 1.5 inches narrower than it was 20 years ago. The average American is not 1.5 inches narrower than they were 20 years ago.

💺 This is something to know. AI showed United how to make more money. A new row of three Economy seats features adjustable leg rests that can create a lie-flat space for stretching out. You’ll also get a mattress pad, blanket and two pillows. Check it out here.

Speaking of, I’ll never forget when we just landed on the runway and the flight attendant announced over the speaker, “Hey folks, sorry about that rough landing. It wasn’t the captain’s fault. It definitely wasn’t my fault. It was the asphalt.” 😂

The people who figure AI out first win. You're figuring it out. Glad to be by your side. See you next Thursday for another Splash of AI! 🚀 — Kim