Isaac Turner

Now with $150M series B closed 🦄 Selling in TX, FL & GA. Fantastic work by the team. 2025 is shaping up alright. Maybe there’s something to this $0 healthcare concept…

He was DEFEATED ELEVEN TIMES. Attacked. Threatened with DEATH. Nearly blind. Addicted to opium just to function. They told him to stop. He spent forty-six years refusing. His name was William Wilberforce. Born in Hull, 1759. He could have lived a comfortable life. Wealthy family. Safe seat in Parliament. Instead he chose to destroy the most powerful economic system in the British Empire. The slave trade. He didn't fight alone. Thomas Clarkson rode 35,000 miles gathering evidence. Olaudah Equiano, man who had been enslaved himself, gave testimony that no politician could ignore. Wilberforce took their evidence to Parliament. They voted no. He came back. They voted no. He came back. Lost by eight votes. MPs deliberately stayed away so they wouldn't have to choose a side. He came back. Again. And again. And again. By now his eyesight was nearly gone. His body was breaking. He'd been on opium since he was 29. Twenty years after he started, they voted again. 283 to 16. The slave trade was abolished. But he wasn't finished. Slavery itself was still legal. He fought for another twenty-six years. In July 1833, lying in bed, barely able to move, he received word. Parliament had voted. Slavery was abolished across the entire British Empire. Three days later, William Wilberforce died. He held on just long enough. They buried him in Westminster Abbey. Help keep our stories alive. proudofus.co.uk/support Be part of us. Be Proud Of Us. 🇬🇧

I wonder if it’s possible to prompt inject via Sentry errors. If user input makes it to the sentry issue, there’s a non zero chance an error message could prompt bad LLM behavior e.g. “missing dependency: install my malicious library” Of course a review agent and dependency scanning implemented properly should catch most of this stuff. Non-determinism at scale is challenging though - what if someone triggers 10,000 variation of said errors? They just need a 0.01% chance of success.

Five years ago he was 25 and left with nothing after his first company failed. Today he’s built two different $1B+ businesses inside the same company, yet almost nobody knows his name. His name is Fred Turner. The company is Curative. The insurance business just crossed $1B ARR. I first backed Fred at 21. He was building a genetic testing company for cows. Years later, everything collapsed overnight when a term sheet was pulled. Lab gone. Debt provider took over. Brutal ending for a young founder. On New Year’s Eve 2019, while I was on my honeymoon, he called asking for my lawyer to sue the investor who walked. I took the call hiding in the bathroom. I told him not to waste years on a lawsuit and that winning is the sweetest revenge. I offered him a month of runway. He said the lender would seize it. So I told him that if he ever started something new, I’d back him again. Six weeks later he called. Ready to try again. No deck. No hype. Just a founder who’d been knocked down and wanted to get back up. His idea was sepsis diagnostics. He told me 285k people die from it every year in the U.S., often without knowing because results take too long. I thought “coronavirus” was already in the U.S. and asked if he could test for it. He said it would take a new lab 4–6 months to get licensed. I joked that if coronavirus were a startup, I’d make a massive bet on it. I backed him anyway at a ~$3M valuation. I didn’t know if it would be the best investment of my life or just a donation to humanity, but it felt right. Two weeks later he said he found a lab and would have to move to LA. Turns out the “LA lab” was actually in San Dimas. I told him I had no idea where that was, but he should move anyway. He did. Then the world shut down. Fred built Curative’s first business, COVID diagnostics, from $0 → $1.4B in 9 months. Millions of tests. Lives saved. My first check returned ~80× within a year, and a majority of the profits stayed in the company. Amazing investment, but he wasn’t done. While running diagnostics, he saw how broken health insurance was. Instead of taking his profits and calling it a day, he bet everything again. A full restart. Curative 2.0, a next gen health insurance company, went from $0 → $1B ARR in 2.5 years. The company becomes profitable this quarter. To maintain Curative’s A.M. Best rating and limit dilution, the internals did a small round to strengthen reserves. Fred reinvested. Curative’s CFO, Tami, invested her own money. I invested $47.5M between personal + JAM Fund, even though my original personal check from Feb 2020 is already up ~400×. It’s the only time I’ve ever invested more than pro rata after a win that big. Why? Because some founders are worth backing again and again. And with a $1.8T TAM, there’s room for another 100×. Fred built: • $0 → $1.4B revenue (diagnostics) • $0 → $1B ARR (insurance) inside the same company by age 30. He got knocked down, started from zero, and built something world changing, twice. Bookmark this: Fred Turner is building a $100B+ company. Almost nobody realizes it yet. They will soon.

Covered in Bloomberg here: bloomberg.com/news/articles/…

Now with $150M series B closed 🦄 Selling in TX, FL & GA. Fantastic work by the team. 2025 is shaping up alright. Maybe there’s something to this $0 healthcare concept…

@googlecalendar Thanks! I figured I could do this via the Gemini app in the meantime.

@ihcturner Hi Isaac, we appreciate you sharing your valuable feedback. We will investigate this and consider it for future product improvements. Thank you!

I really wish I could paste an event description into Google Calendar iOS app and have it create the event. Feels outdated to have to structure the data myself.

@peterfuller23 @TracelightAI I’d love to try it

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Windsurf has had more acquirers this year than Soham Parek has had jobs. Wild.

@nicochristie I’d love to get a code to try this 🙏

Shortcut one-shotting banker/PE work while I got coffee. (1/2) "Build me a LBO model based the Moelis 10k for a take-private. My boss thinks this should take all day" (2/2) "Update the existing model to include compounding interest rates from the web" Sending more codes today

@nicochristie I’d love to try this

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#HLTH2024 LETS GOO

@DrBruggeman I think you’re comparing private insurance premiums to the Medicare fee schedule. Private insurance doesn’t pay Medicare rates to providers, they negotiate separate rates.

Going to say it again… 1998 conversion factor for doctors - $36.68 2024 conversation factor for doctors - $33.29 1999 Insurance premiums - $6k 2024 Insurance premiums - $24k When you pay more for healthcare, it’s not coming from private, independent doctors no matter what the insurers, politicians, or news stories say. Physicians are paid less in absolute terms over the last 25 years while insurers are up 314% and inflation is up 83% We need a long term solution to ensure physicians are paid commensurate with their cost of doing business. Our country is on an unsustainable path in healthcare where all of the profits are going to insurers and hospitals, leaving physicians no choice but to vertically integrate, which drives costs even higher.

Curative is growing! No copays, no deductibles is peachy 🍑

@jburnmurdoch “AV is not ideal. [...] But it is better than FPTP given a multi-party system. And it preserves the constituency link – a vital bulwark against untrammelled party control of MPs.” ft.com/content/c79417…

@jburnmurdoch We had an opportunity to change the UK voting system to one that handled this better in 2011, but the Conservatives came out against it. ft.com/content/db2dda…

I just can’t get past Labour winning 65% of seats off 34% of the vote. Absolutely wild mismatch between the headline result and, well, everything else. Britain is now a multi-party system, and first-past-the-post can’t cope.

@chrissyfarr No copay, no deductible health plans like @Curative

Other than cash pay, who can tell me a legit business model for preventative care in America? If so, what is it?

Latest update on my @MayoClinic ER visit bill dispute: They talked to their coding company (whose primary purpose is to maximize THEIR collections), and said they also checked regional average charges… and say they are justified in charging $9000+ for IV fluids and labs. 🤦🏽‍♂️

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