WEBVTT 00:00:01.199 --> 00:00:04.200 Good morning and a warm welcome to your show, 00:00:04.740 --> 00:00:09.199 Sunny Mornings in San Diego. I'm your host, Melissa, 00:00:09.640 --> 00:00:14.000 and it's Monday, October 6th. You'll be interested 00:00:14.000 --> 00:00:20.179 to know. Thirty years ago, today in 1995, Swiss 00:00:20.179 --> 00:00:23.820 astronomers Michael Mayer and Didier Colloz announced 00:00:23.820 --> 00:00:26.879 the discovery of the first exoplanet orbiting 00:00:26.879 --> 00:00:29.969 a sun -like star. A groundbreaking moment in 00:00:29.969 --> 00:00:32.590 astronomy that expanded our understanding of 00:00:32.590 --> 00:00:36.530 planetary systems beyond our own. A truly inspiring 00:00:36.530 --> 00:00:41.090 milestone in human discovery. So now you know. 00:00:41.929 --> 00:00:48.530 And now, it's time for the Surf Report. Monday 00:00:48.530 --> 00:00:51.869 at Tourmaline. This morning it's looking clean 00:00:51.869 --> 00:00:55.990 with waves around 2 plus feet. Conditions hold 00:00:55.990 --> 00:00:59.469 steady at 2 to 3 feet. until about noon, when 00:00:59.469 --> 00:01:03.390 they start to get choppy. Winds are onshore at 00:01:03.390 --> 00:01:06.750 3 miles per hour now, picking up to 9 miles per 00:01:06.750 --> 00:01:09.750 hour by midday, adding some texture to the surface. 00:01:11.049 --> 00:01:14.890 Best time to ride is at 7 a .m. with a 4 -foot 00:01:14.890 --> 00:01:17.930 incoming high tide, when the southwest swell 00:01:17.930 --> 00:01:22.049 is 1 .5 feet at 16 seconds, and the onshore wind 00:01:22.049 --> 00:01:26.349 is 3 mile per hour. The first high tide on Monday 00:01:26.349 --> 00:01:30.469 will be 6 feet, at 9 a .m., followed by a zero 00:01:30.469 --> 00:01:36.310 -foot low tide at 315. The nearshore GUI at Mission 00:01:36.310 --> 00:01:40.049 Day West reads 70 degrees for the water temperature. 00:01:41.829 --> 00:01:44.189 Expect fair conditions with waves around two 00:01:44.189 --> 00:01:47.469 to three feet on Tuesday as light northwest winds 00:01:47.469 --> 00:01:51.430 prevail. Wednesday maintains similar size, but 00:01:51.430 --> 00:01:54.870 may see choppy conditions by midday due to increasing 00:01:54.870 --> 00:01:59.000 west -northwest winds. Thursday drops to 1 to 00:01:59.000 --> 00:02:02.060 2 feet with persistent choppy conditions making 00:02:02.060 --> 00:02:07.019 it a less favorable day for surfers. This morning 00:02:07.019 --> 00:02:10.740 it's cloudy and it feels like 65 degrees with 00:02:10.740 --> 00:02:15.419 no wind. The sunset will take place at 628 and 00:02:15.419 --> 00:02:19.500 it will rise again tomorrow at 649. It looks 00:02:19.500 --> 00:02:22.180 like we're in for some partly sunny skies today 00:02:22.180 --> 00:02:25.819 with a high near 73 and a light northwest breeze. 00:02:26.770 --> 00:02:31.469 Tonight, expect mostly cloudy skies with a low 00:02:31.469 --> 00:02:36.669 around 61 and light winds. Looking ahead in the 00:02:36.669 --> 00:02:40.569 weather, Tuesday is mostly sunny with a high 00:02:40.569 --> 00:02:44.409 near 75 and a northwest wind of 5 to 10 miles 00:02:44.409 --> 00:02:47.250 per hour. Then clouds thicken overnight with 00:02:47.250 --> 00:02:52.210 a low around 63. Wednesday stays mostly sunny 00:02:52.210 --> 00:02:55.710 with another high near 75. and a low near 60, 00:02:55.870 --> 00:02:59.310 three Wednesday night. A chance of rain develops 00:02:59.310 --> 00:03:01.969 Thursday after mid -morning and continues on 00:03:01.969 --> 00:03:04.750 and off into Friday as highs rise to the upper 00:03:04.750 --> 00:03:08.689 70s and nights stay in the mid 60s. Bonjour, 00:03:09.150 --> 00:03:11.909 food enthusiasts. This podcast is brought to 00:03:11.909 --> 00:03:15.650 you by Versailles Cafe and Pastries in Encinitas. 00:03:16.389 --> 00:03:19.550 Nestled on El Camino Real South, just north of 00:03:19.550 --> 00:03:23.219 Encinitas Boulevard. This cafe is a haven for 00:03:23.219 --> 00:03:27.360 culinary delights. Indulge in their amazing Eggs 00:03:27.360 --> 00:03:31.379 Benedict or their gluten -free crepes. You can 00:03:31.379 --> 00:03:34.419 grab a panini for lunch or just breeze on through 00:03:34.419 --> 00:03:37.680 to get your morning coffee. They are open every 00:03:37.680 --> 00:03:42.000 day from 8 to 5. So stop on by and don't forget 00:03:42.000 --> 00:03:48.810 to tell them. Sunny mornings send you. A fire 00:03:48.810 --> 00:03:52.689 lasting over nine hours at the Chevron, El Segundo 00:03:52.689 --> 00:03:56.069 Refinery has left motorists in Southern California 00:03:56.069 --> 00:04:00.449 racing for higher gas prices. The refinery, which 00:04:00.449 --> 00:04:03.909 processes about 300 ,000 barrels of crude oil 00:04:03.909 --> 00:04:06.990 daily, contributes to one -fifth of the region's 00:04:06.990 --> 00:04:10.050 motor vehicle fuel and 40 percent of its jet 00:04:10.050 --> 00:04:14.099 fuel. Petroleum analyst Matt McLean estimated 00:04:14.099 --> 00:04:16.879 potential price increases could reach between 00:04:16.879 --> 00:04:21.920 35 and 95 cents per gallon. Although nearby residents 00:04:21.920 --> 00:04:24.579 have mostly resumed their routines, concerns 00:04:24.579 --> 00:04:29.040 linger regarding air quality. Chevron is conducting 00:04:29.040 --> 00:04:31.639 an internal investigation into the incident, 00:04:31.879 --> 00:04:34.480 which has been fully extinguished, while local 00:04:34.480 --> 00:04:37.040 authorities advise residents to stay indoors 00:04:37.040 --> 00:04:46.899 if they detect smoke. Now on to sports Last night 00:04:46.899 --> 00:04:51.000 on Sunday night football the Patriots upset the 00:04:51.000 --> 00:04:56.120 Bills in Buffalo 23 to 20 Drake May was 22 for 00:04:56.120 --> 00:05:01.699 30 with 273 passing yards zero passing touchdowns 00:05:01.699 --> 00:05:06.779 and no interceptions Josh Allen was 22 for 31 00:05:06.779 --> 00:05:11.639 with 253 passing yards two passing touchdowns, 00:05:11.660 --> 00:05:16.120 and one interception. Next Sunday, the 3 -2, 00:05:16.579 --> 00:05:19.120 Pats head to New Orleans to play the Saints at 00:05:19.120 --> 00:05:23.319 one. The 4 -1 Dills lick their wounds and head 00:05:23.319 --> 00:05:27.699 to Hotlanta for Monday Night Football. And tonight, 00:05:27.939 --> 00:05:31.399 on Monday Night Football, we have the 2 -2 Chiefs 00:05:31.399 --> 00:05:35.519 at the 3 -1 Jaguars, starting at 8 .15 Eastern 00:05:35.519 --> 00:05:40.189 on ESPN. The Chiefs are favored by three and 00:05:40.189 --> 00:05:43.949 a half, with the over -under set at 45 and a 00:05:43.949 --> 00:05:49.449 half. In local sports, yesterday afternoon in 00:05:49.449 --> 00:05:53.129 Los Angeles, the Chargers lost to the commanders 00:05:53.129 --> 00:05:59.670 27 to 10. Justin Herbert was 22 for 29, with 00:05:59.670 --> 00:06:04.610 166 passing yards, one passing touchdown, and 00:06:04.610 --> 00:06:09.639 one interception. Jaden Daniels was 15 for 26, 00:06:10.079 --> 00:06:15.220 with 251 passing yards, one touchdown, and no 00:06:15.220 --> 00:06:19.079 interceptions. Next Sunday morning, the 3 and 00:06:19.079 --> 00:06:22.740 2 Bolts take on the 1 and 3 Dolphins in Miami 00:06:22.740 --> 00:06:30.459 at 10 on CBS. In top news, Fair Isaac Corporation, 00:06:30.860 --> 00:06:34.160 known as FICO, is transforming the credit scoring 00:06:34.160 --> 00:06:37.379 market by offering mortgage lenders direct access 00:06:37.379 --> 00:06:40.819 to its credit scores without relying on Experian, 00:06:41.120 --> 00:06:45.360 Equifax, or TransUnion. Following this announcement, 00:06:45.759 --> 00:06:49.740 shares of FICO surged by 18%, while shares of 00:06:49.740 --> 00:06:54.139 credit scoring firms dropped by up to 11%. This 00:06:54.139 --> 00:06:56.319 shift is one of the most significant changes 00:06:56.319 --> 00:07:00.620 in decades prompted by regulatory scrutiny. FICO's 00:07:00.620 --> 00:07:03.240 new program allows resellers to purchase scores 00:07:03.240 --> 00:07:07.759 for $4, plus an additional $33 upon loan closure, 00:07:08.319 --> 00:07:11.779 potentially increasing mortgage costs. The impact 00:07:11.779 --> 00:07:14.560 on borrowers will depend on how resellers and 00:07:14.560 --> 00:07:19.100 credit bureaus respond to these changes. In business 00:07:19.100 --> 00:07:23.480 news, high earners age 50 and older are facing 00:07:23.480 --> 00:07:27.519 new restrictions on retirement savings. Starting 00:07:27.519 --> 00:07:30.199 next year, Catch -up contributions for those 00:07:30.199 --> 00:07:33.180 individuals will need to be made after tax if 00:07:33.180 --> 00:07:38.660 their income exceeds $145 ,000. This change, 00:07:39.000 --> 00:07:41.740 mandated by the Internal Revenue Service, means 00:07:41.740 --> 00:07:44.360 that many will pay taxes upfront during their 00:07:44.360 --> 00:07:47.000 high -earning years rather than during retirement. 00:07:47.860 --> 00:07:51.819 With catch -up limits reaching up to $11 ,250, 00:07:52.620 --> 00:07:55.240 this may push some into higher tax brackets. 00:07:55.949 --> 00:07:59.209 However, it could encourage savers to reassess 00:07:59.209 --> 00:08:02.310 their investment strategies, potentially favoring 00:08:02.310 --> 00:08:05.129 Roth accounts for tax -free withdrawals in retirement. 00:08:06.230 --> 00:08:09.970 In crypto movement, Bitcoin is up 3 % over the 00:08:09.970 --> 00:08:16.949 weekend to $124 ,000. Ethereum is up 1 % to just 00:08:16.949 --> 00:08:24.610 over $4 ,500. And XRP is down 1%. to $2 .97. 00:08:26.689 --> 00:08:31.310 Moving on to a more local vibe. In our community 00:08:31.310 --> 00:08:34.309 spotlight on health and wellness, we are working 00:08:34.309 --> 00:08:37.269 with a national Pilates studio to bring you some 00:08:37.269 --> 00:08:41.929 free classes, so listen up. Check out Club Pilates 00:08:41.929 --> 00:08:45.110 with several locations in the San Diego area. 00:08:45.669 --> 00:08:48.710 Pilates presents a comprehensive wellness approach, 00:08:49.110 --> 00:08:52.600 cultivating strength. reducing tension, and elevating 00:08:52.600 --> 00:08:56.340 mental well -being. Scientific research affirms 00:08:56.340 --> 00:09:00.840 its benefits. So now you can check out Club Pilates 00:09:00.840 --> 00:09:04.620 for a free class, with locations in Encinitas, 00:09:05.200 --> 00:09:08.879 Solana Beach, Oceanside, La Jolla, and more. 00:09:09.860 --> 00:09:12.500 Just be sure to tell them Sunny Morning sent 00:09:12.500 --> 00:09:18.399 you by. And now, back to the show. Let's talk 00:09:18.399 --> 00:09:22.809 tech. OpenAI is shifting its approach to copyright 00:09:22.809 --> 00:09:26.690 works in Sora, its AI video generation application. 00:09:27.809 --> 00:09:30.509 Chief Executive Sam Altman announced that copyright 00:09:30.509 --> 00:09:33.190 holders will gain more control over how their 00:09:33.190 --> 00:09:36.649 characters are utilized. Users can now create 00:09:36.649 --> 00:09:39.649 and share videos within a social media feed. 00:09:40.850 --> 00:09:43.950 Prior to the app's launch, OpenAI informed talent 00:09:43.950 --> 00:09:46.799 agencies and studios They would need to opt out 00:09:46.799 --> 00:09:49.620 to avoid their copyrighted material appearing 00:09:49.620 --> 00:09:53.779 in generated videos. Altman emphasized that this 00:09:53.779 --> 00:09:56.980 policy will resemble the opt -in model for likenesses, 00:09:57.159 --> 00:10:01.080 but with additional controls. He also noted that 00:10:01.080 --> 00:10:04.480 OpenAI must find ways to monetize Sora while 00:10:04.480 --> 00:10:12.990 sharing revenue with rights holders. In Hollywood, 00:10:13.450 --> 00:10:16.830 the rise of artificial intelligence actress Tilly 00:10:16.830 --> 00:10:21.610 Norwood is causing quite a stir. Aline van der 00:10:21.610 --> 00:10:25.169 Velden, founder of AI production studio Particle 00:10:25.169 --> 00:10:28.750 Six, envisions Tilly as the next big star, aiming 00:10:28.750 --> 00:10:32.190 for representation by a major talent agency soon. 00:10:33.269 --> 00:10:35.950 However, industry leaders are expressing concerns 00:10:35.950 --> 00:10:40.409 about the implications of AI performers. Gersh 00:10:40.409 --> 00:10:43.710 Agency president Leslie Siebert labeled Tilly's 00:10:43.710 --> 00:10:47.690 phenomenon as frightening. While some actors 00:10:47.690 --> 00:10:51.169 fear job displacement, others, like producer 00:10:51.169 --> 00:10:54.590 Scott Stuber, emphasize that the human condition 00:10:54.590 --> 00:10:59.210 in storytelling remains irreplaceable. As studios 00:10:59.210 --> 00:11:02.230 consider AI's potential, the debate surrounding 00:11:02.230 --> 00:11:05.009 creative authenticity and ethical boundaries 00:11:05.009 --> 00:11:09.570 continues. Well, all righty, folks. It's time 00:11:09.570 --> 00:11:13.470 for the quote of the day. And today, our quote 00:11:13.470 --> 00:11:15.990 comes from the American astronomer and science 00:11:15.990 --> 00:11:21.149 communicator Carl Sagan. And he said, somewhere, 00:11:21.490 --> 00:11:23.649 something incredible is waiting to be known. 00:11:25.210 --> 00:11:28.470 And that's a wrap for this morning. You can check 00:11:28.470 --> 00:11:32.210 out our Instagram, YouTube, and TikTok for some 00:11:32.210 --> 00:11:35.470 captivating aerial videos with local news and 00:11:35.470 --> 00:11:39.029 the surf reports. Have an amazing day, my good 00:11:39.029 --> 00:11:41.549 friends. We'll see you tomorrow with another 00:11:41.549 --> 00:11:44.009 episode of Sunny Mornings in San Diego.