Neil, if you had the pick between agency and intelligence, what do you think is more important?

And do you want me to describe what agency means?

Agency is a company that just goes, assuming we're talking about marketing agencies, but a company

that just agencies in general?

No.

I'm referring to the word agency, like a trait.

So you have intelligence or agencies.

When I say agency, someone who is high agency is someone who knows how to figure things out. They know how to get shit done. So in today's day and age, what do you think is more important? High intellect or high agency? High agency of just getting stuff done because you can get a lot of the intellect from AI. Yeah. Okay, So check this out over here. I really need both, though.

Yes, yes.

Hopefully you would have both.

But Sebastian CEMATelski, this is Klarna's CEO.

That's what I was just say.

Okay.

So remember Klarna back last year, they were going all in on their agents and then they kind had to roll that back. So he tweets this. You're talking about Klarna, the buy now, pay later company. Yes, correct. CEO is like, hey, we got rid of our support people. But then I think he went back on that and started hiring them. Yeah, he rehired them.

So anyway, he tweets this. 2026 will be the year when AI starts affecting for real.

Been preparing for this since 2022.

Software, dev cost dropping a zero.

Context engineering will be central.

Build will win over buy, which is something we can talk about.

Build will win over buy.

I want to highlight that one for a second.

In large organizations, doing things faster

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