Vilas Dhar, president of the Patrick J. McGovern Foundation, recently reflected on the pivotal role of human governance in shaping the future of artificial intelligence (AI). In a Boston Globe article, Dhar shared insights from a visit to a high school in central Illinois, where students expressed both concern and hope about an AI-powered future.


The discussion highlighted a crucial point: AI’s impact is not predetermined by technology alone but is deeply influenced by human choices and governance. As Dhar emphasized, “It depends on us.


Governance and Regulation of AI

AI is rapidly reshaping various sectors, from healthcare to education. However, the systems often operate without public oversight, replicating biases and making critical decisions that affect people’s lives. The article argues for a realignment between technology and public accountability, stressing that governance will determine AI’s societal impact.


The Role of Education in AI Literacy

Education is key to understanding AI’s influence. Programs like Finland’s Elements of AI and the AI Education Project in the United States are leading the way in integrating AI literacy into curricula. These initiatives aim to equip individuals with the skills to critically assess AI systems.


Transparency and Public Accountability

To ensure AI systems are accountable, policymakers must mandate transparency. Dhar calls for public documentation of high-impact AI systems, enabling researchers and journalists to scrutinize their operations and hold them accountable.


Inclusion and Community Involvement

Inclusion is essential in AI development. Organizations like the Algorithmic Justice League model community-driven innovation. The article suggests that corporate boards should oversee AI deployment with the same rigor as financial audits, and investors should demand disclosure of social outcomes.


Dhar’s reflections remind us that while AI’s advancement is inevitable, its trajectory is not. It is up to us to ensure that AI advances justly, benefiting society as a whole. The students in Illinois intuitively understood this, and their insights serve as a call to action for all of us.

More Articles

Getting licensed or staying ahead in your career can be a journey—but it doesn’t have to be overwhelming. Grab your favorite coffee or tea, take a moment to relax, and browse through our articles. Whether you’re just starting out or renewing your expertise, we’ve got tips, insights, and advice to keep you moving forward. Here’s to your success—one sip and one step at a time!

Why Today’s High Mortgage Rates Matter More Than Ever for the Housing Market

A growing share of American homeowners now carry mortgage rates above 5%—a dramatic shift that’s reshaping refinancing, inventory, and buyer behavior nationwide. With more than 30% of borrowers locked into rates over 5% and 20% above 6%, the market is split between owners holding on to low pandemic‑era loans and new buyers taking on higher‑rate mortgages. Federal efforts to push rates down could unlock millions of refinancing opportunities, while buyers see only modest monthly savings. For real estate professionals, understanding these rate dynamics is crucial as they increasingly drive inventory levels, affordability, and market activity.

CRE Deal Volume Dips in December, but Office Sector Stages an Unexpected Comeback

New Moody’s data shows commercial real estate deal volume slipped 20% in December, marking a second monthly decline. Yet the full year tells a different story: 2025 ended with a 17% gain, signaling a quiet but resilient recovery. The biggest surprise came from the office sector, which posted a 21% jump in activity as return‑to‑office trends and AI‑driven job growth boosted demand. Multifamily, retail, and alternative assets like data centers also saw strong momentum, giving real estate professionals a market full of fresh opportunities heading into 2026.

Florida Kicks Off 2026 With Major Auto Insurance Rate Cuts and Market Stability

Florida drivers and industry professionals are heading into 2026 with good news: auto insurance rates are dropping across the state as the market shows strong signs of stabilization. USAA leads the latest wave with a 7% average rate decrease expected in May 2026, saving members more than $125 million annually. They join several major insurers — including State Farm, Progressive, AAA, Allstate, and Florida Farm Bureau — all approving significant reductions. Officials credit recent legislative reforms, especially tort reform, for the improved loss ratios and renewed insurer confidence. With both auto and home insurance markets strengthening, Florida’s real estate, mortgage, and insurance professionals can expect more consumer confidence, smoother transactions, and expanding career opportunities.

The 2024 Housing Shortage: Why America Is Still 1.2 Million Homes Behind

New data from Eye On Housing and the NAHB shows the U.S. remains short more than 1.2 million housing units, keeping pressure on both rents and home prices. Record‑low vacancy rates, slow single‑family construction, and restrictive zoning continue to fuel intense competition in 2024. Major metros like Chicago, New York, and Atlanta face some of the deepest deficits, and the true nationwide shortfall may be even higher when accounting for overcrowding and aging homes. For real estate professionals, the ongoing shortage means sustained demand, tighter inventory, and major opportunities for those who understand the evolving market.

AI Isn’t the Shiny Object Anymore — It’s the New System Driving Real Estate Success

Top real estate coach Jason Pantana says the divide between agents today isn’t about who has “tried” AI — it’s about who is immersed in it. In a new HousingWire interview, he explains why AI isn’t a gimmick but a full business system that amplifies output, improves authenticity, and reshapes how clients search for agents. From prompt mastery to AI‑driven visibility on Google, Pantana reveals how agents who commit even 15 minutes a day to learning AI are already outperforming those who hesitate.

DFW Commercial Real Estate 2025: Industrial Surges, Retail Shines, Office Struggles

Dallas–Fort Worth’s commercial real estate market closed 2025 with a split personality. Industrial dominated with massive new deliveries and soaring leasing demand, retail held steady with some of the market’s strongest fundamentals in years, and office continued to falter under remote‑work pressures. High vacancies, weak absorption, and rising demand for top‑tier space show the sector’s ongoing reset. Meanwhile, industrial and retail strength position the Metroplex for another powerhouse year heading into 2026.