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Fractional Futurist

The personal website of Michael Cutler

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When a Bank Open-Sources Its AI, It Ships the Control Layer — Not the Model

A global bank open-sourced its AI last month and shipped the harness, the guardrails and the governance — not a model. And six weeks on, almost no one has contributed. Here's why that's the story.

Loop Engineering: The Loop Was Never the Hard Part

Stop prompting, start looping — but the loop is the easy 20%. After a year shipping agentic loops (and a $500 runaway), here's the part the hype keeps getting backwards: the done-check and the verifier.

Tools, Then Teammates, Then Autonomy — Part 2: The Autonomy Gate

Clearing the wall: what Phase 3 autonomy actually looks like, the regulatory gate that turns out to be the design, and the two gates that tell you when you're allowed to move.

Tools, Then Teammates, Then Autonomy — Part 1: Hitting the Wall

Becoming AI-native is an ordered path you walk one pipeline at a time — tools, then teammates, then autonomy. Part 1: codifying the process, the assist layer, and the wall every pilot dies at.

Which Women? The Two Axes of AI's Gender Gap

One viral stat says low-paid women are most at risk from AI. Another says it's high-paid women. Both are real numbers — and they're measuring two completely different things. Here's the map that separates them.

The Reverse Tamagotchi: Now the AI Is Keeping Me Alive

I feed an AI my diet, training and sleep every morning, and somewhere along the way it started to feel like it's the one keeping me alive — and the wry truth is the dependence runs both ways.

Whose Leak Is It? DLP When an AI Agent Holds Your OAuth Token

An MCP agent on my own OAuth token only ever sees what I could see — so the access boundary is the vendor's job. I believed that, until I realised the agent splits data protection into two halves and the vendor only ever sees one of them.

Everyone Can Have a Personal Health Adviser Now

Personalized medicine used to mean being rich enough to afford a doctor who knew your name. Last week I built a version of it on my laptop, for free, from a file I'd been ignoring for seven years — and the real unlock is that I can re-run it forever.

Two Papers That Puncture the Hype

One paper shows frontier models degrade as context grows — even on trivial tasks. The other shows reasoning models hit a wall and think less as problems get harder. Read carefully, both point at the same engineering response.

Your AI Team Did Nothing While You Slept

Anthropic let Claude run a real shop for a month. It sold metal cubes at a loss, invented a Venmo account, and claimed to wear a blazer. The 'AI department that works while you sleep' is a genre — here's where it actually breaks.

The Measurer Trap: Manager Mode Was Half Right

Prince says AI is coming for measurers, not builders. Manager Mode said everyone becomes middle management. Both are half right. Every role now splits — and one half gets eaten.

The 30 Principles for Agentic Engineering — Part 5: Calibration and Reality

Principles 26–30. The calibration layer that catches what the rest of the framework would miss: a PR-noise budget, independent verification, model-swap regression discipline, the 15-tool-call rule, and protecting junior development.

The 30 Principles for Agentic Engineering — Part 4: Governance and Safety

Principles 21–25. The governance and safety layer: strictKnownMarketplaces, no goal-conflict prompts, quarterly AppSec, four telemetry signals, monthly incident discipline.

The 30 Principles for Agentic Engineering — Part 3: The Harness

Principles 15–20. The harness configuration that keeps the kernel and lifecycle cheap: CLAUDE.md under 200 lines, hooks for real incidents, skills that auto-invoke, subagent isolation, pinning, and Stage 5 distribution.

The 30 Principles for Agentic Engineering — Part 2: The Lifecycle

Principles 6–14. How work moves through an agentic engineering team: the ticket as contract, AI distillation with human curation, three gates, verification before done, characterisation tests, the 1.2× capacity rule, the J-curve, and telemetry.

The 30 Principles for Agentic Engineering — Part 1: The Kernel

Principles 1–5. The five rules that everything else in the framework rests on: standardise the harness, make verification load-bearing, default to plan mode, pick the cheapest layer, reflect every task.

The 15-Tool-Call Rule: Where Agent Quality Falls Off a Cliff

Practitioner consensus puts the cliff around fifteen tool calls per prompt. Here's why agents degrade past that, and the three operational rules that keep them on the safe side.

Three Topologies: Single Agent, Supervisor, or Swarm

Anthropic's multi-agent Research feature beat single-agent Opus 4 by 90.2% — at 15× the token cost. Every documented production swarm runs on rails. Here's the topology decision framework before you commit.

Characterisation Tests Before Agents Touch Brownfield Code

Agents over-refactor stable code without a safety net. Feathers' characterisation-test technique — write tests for current behaviour before changing anything — is more important than ever. The agent itself is the perfect characterisation-test-writer.

Vibe Coding vs Agentic Engineering: Where the Prototype Stops and Production Starts

Karpathy named one mode. Willison named the other. Most 'AI failed in production' stories are actually 'we promoted a vibe-coded prototype without transitioning into the production discipline.'