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The Ownership Gap: Why Hard Work Is No Longer Enough

I’m not a religious guy, but every once in a while, I come across something in scripture that feels less like dogma and more like truth. This verse from the Bhagavad Gita is one of them: कर्मण्येवाधिकारस्ते मा फलेषु कदाचन। मा कर्मफलहेतुर्भूर्मा ते सङ्गोऽस्त्वकर्मणि॥ Karmanye vadhikaraste ma phaleshu kadachana. Ma karmaphalaheturbhurma te sango’stvakarmani. You have the right…

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Futures on Credit: Why Policy, AI, and Cultural Mismatch Are Turning Promises Into Liabilities

Universities in the U.S. are bracing for the headline everyone has been expecting - a significant decline in international student enrollments. But the numbers are only the surface. Behind the drop are policy shocks, an employer market reshaped by AI, and a student pipeline that no longer guarantees mobility. If institutions treat falling yields as…

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