Please contribute at my page at Act Blue. Even small donations are important and symbolic of how total factor productivity brings us all together.

The main problem workers have today is that if they have a skill, technology can come along that let’s someone with less skill do their job. So the person drops down into a lower skill level of the workforce. The lower skill level groups are constantly getting bigger, so their wages are falling. This is what happened to many non-college educated workers after 1973.

But it also happens to college educated workers. Writers have experienced this. So have musicians. The internet was the technology that came along and made their skill less important. So they dropped into a lower category of the labor force in effect.

To counter-act this, workers have to retrain. They have to learn new skills. Society has to stop growing large pools of unskilled workers at the bottom on purpose. Because the ability of technology to make skills redundant is greater than the ability of most people to acquire new skills, this has been a losing battle for large groups of people.

I co-discovered important results in mathematical finance using algebra, calculus, statistics, probability, and differential equations.

https://jfi.pm-research.com/content/1/2/69

Search on Tenney Quadratic Term Structure Models

Search on Tenney Quadratic Term Structure Models

My math formulas are cited on the webpage of Stanford University, and others.

Beaglehole Tenney site:stanford.edu

Beaglehole Tenney site:.edu

They are cited on the webpage of the Federal Reserve.

Beaglehole Tenney site:federalreserve.gov

Also on many actuarial websites.

Tenney site:soa.org

Tenney site:actuary.org

Tenney site:naic.org

Or search on Mark Tenney actuary (I am not an actuary but this search produces results)

I gave a talk last year at the insurance regulator website.

https://content.naic.org/sites/default/files/call_materials/MarkTenneyPresentation.pdf

https://www.actuary.org/sites/default/files/files/Modeling%20Efficiency%20Bibliography%20-%20Update%2012-11.pdf

” The Modeling Efficiency Work Group would also like to acknowledge Mark Tenney”