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Jeff Hulett

Curator, The Curiosity Vine

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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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Featured Posts

Do we have free will or is the world deterministic? It is time to ask a better question….

What if everything you've ever chosen—your job, your relationships, your values—was never really your choice? Neuroscientists and philosophers increasingly argue that free will is an illusion—your decisions pre-programmed by genetics, childhood, and context. Yet our lived experience insists otherwise. We feel we choose, and society expects us to act accordingly. So which is it? Do we truly have agency—or are we just playing out a script? This article suggests we are asking t

Changing Our Mind

America's Mega Forces - Making the most in a time of change

In recent years, the United States has seen a significant intensification of immigration enforcement. According to data from U.S. Immigration and Customs Enforcement (ICE). There are a couple mega forces uniquely playing out in the United States. What are they and how do we adapt?

Public Policy

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...

Data

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

College & Career

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Do we have free will or is the world deterministic? It is time to ask a better question….

Changing Our Mind

Jeff Hulett

24 minutes ago17 min read

Treasury Rates Update: January 29th, 2026

The U.S. Treasury market remained focused on the Federal Reserve this week as the central bank held rates steady during its January 28th meeting. As an economist who has navigated many cycles, I find the resulting yield curve behavior particularly telling of a market anticipating a shift toward normalization despite ongoing short-term inversions. For the week, the 10-year Treasury rate showed zero change, maintaining its position after a 9bp climb over the preceding 14 days.

Econ Connections

Bill Knudson

3 days ago1 min read

Mortgage Rates Update: January 29th, 2026

The final week of January 2026 brought a slight shift in the mortgage landscape, characterized by a minor decoupling between primary rates and benchmark yields. For the week ending January 29, 2026, the 30-year fixed mortgage rate edged up by 1 basis point to settle at 6.10 percent. This incremental rise occurred despite a 2 basis point decline in the 10 Year Treasury rate, which fell to 4.24 percent. As an experienced economist, I look closely at these diverging movements. W

Econ Connections

Bill Knudson

3 days ago1 min read

America's Mega Forces - Making the most in a time of change

Public Policy

Jeff Hulett

7 days ago18 min read

Mortgage Rates Update: January 22nd, 2026

The mortgage market for the week ending January 22, 2026, demonstrated a notable divergence between primary mortgage rates and secondary market yields. As an experienced economist, I find this week's data particularly revealing regarding lender sentiment and risk positioning. While the 30-year fixed mortgage rate experienced a modest increase of 3 basis points to settle at 6.09 percent, the underlying 10 Year Treasury rate surged by a more significant 9 basis points to 4.26 p

Econ Connections

Bill Knudson

Jan 241 min read

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-

Econ Connections

Bill Knudson

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...

Data

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

Econ Connections

Bill Knudson

Jan 171 min read

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