Tom Foreman

You bought the software. You sat through the demo. You signed the contract, sent the announcement email, and watched your team nod along in the all-hands meeting. Three months later you have a nagging feeling that nobody is actually using it. If you rolled out Microsoft Copilot, a new AI writing tool, or any AI-enabled platform in the last year, this feeling is not paranoia. It is almost certainly accurate. Microsoft's own research has found that 87% of AI agent projects never reach full...

The 5 Cs of commercial lending have been the foundation of credit analysis for decades. Character, capacity, capital, collateral, conditions. Every community banker, every credit analyst, every Chief Credit Officer in the country learned this framework early in their career and has relied on it since. It works. It has always worked. And right now, quietly and without fanfare, it is developing blind spots that no amount of financial statement analysis can fill. The 5 Cs were designed for a...

Every small business has one. An employee who figured out AI before anyone else did. Who quietly built workflows that cut their personal output time in half. Who produces better work faster than their peers and when you ask them how they do it they give a vague answer about being organized. They're not hiding anything deliberately. They just assumed everyone else was doing the same thing. They found a tool that worked. They built a process around it. They kept their head down and delivered...