WEBVTT 00:00:01.819 --> 00:00:04.679 Good morning, and a warm welcome to your show, 00:00:05.219 --> 00:00:09.199 Sunny Mornings in Encinitas. I'm your host, Melissa, 00:00:09.619 --> 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 --> 00:00:29.949 a sun -like star. A groundbreaking moment in 00:00:29.949 --> 00:00:32.609 astronomy that expanded our understanding of 00:00:32.609 --> 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. 00:00:41.969 --> 00:00:48.609 And now, it's time for the Surf Report. Monday 00:00:48.609 --> 00:00:52.250 in Encinitas. This morning it's looking clean 00:00:52.250 --> 00:00:56.390 with waves at 2 plus feet. Conditions stay clean 00:00:56.390 --> 00:00:59.789 and hold steady at two to three feet until around 00:00:59.789 --> 00:01:04.150 10 a .m. when it shifts to fair. By noon, it 00:01:04.150 --> 00:01:06.909 gets choppy as the wind picks up to nine mile 00:01:06.909 --> 00:01:11.109 per hour. Current winds are onshore at one mile 00:01:11.109 --> 00:01:15.870 per hour. Best time to ride is at 7 a .m. with 00:01:15.870 --> 00:01:19.329 a four -foot incoming high tide when the southwest 00:01:19.329 --> 00:01:23.370 swell is one feet at 16 seconds. and the onshore 00:01:23.370 --> 00:01:27.329 wind is one mile per hour. The first high tide 00:01:27.329 --> 00:01:30.930 on Monday will be six feet at 9 a .m., followed 00:01:30.930 --> 00:01:36.030 by a zero -foot low tide at 315. The nearshore 00:01:36.030 --> 00:01:40.049 buoy at Beacons reads 67 degrees for the water 00:01:40.049 --> 00:01:43.909 temperature. Conditions start fair with waves 00:01:43.909 --> 00:01:46.750 around two to three feet and light northwest 00:01:46.750 --> 00:01:50.879 winds on Tuesday. Wednesday sees similar sizes 00:01:50.879 --> 00:01:54.019 but shifts to choppy conditions by midday as 00:01:54.019 --> 00:01:57.480 winds pick up from the west northwest. Thursday 00:01:57.480 --> 00:02:00.079 declines to one to two feet with choppy surf 00:02:00.079 --> 00:02:02.840 throughout, making it the least favorable day 00:02:02.840 --> 00:02:07.640 of the period. This morning it's cloudy and it 00:02:07.640 --> 00:02:12.240 feels like 68 degrees with no wind. The sunset 00:02:12.240 --> 00:02:15.360 will take place at 628 and it will rise again 00:02:15.360 --> 00:02:19.659 tomorrow at 649. It looks a grin for a partly 00:02:19.659 --> 00:02:23.020 sunny day with a high near 68 and a light south 00:02:23.020 --> 00:02:28.159 wind. Tonight, expect mostly cloudy skies with 00:02:28.159 --> 00:02:33.780 a low around 63 and light northwest winds. Looking 00:02:33.780 --> 00:02:37.199 ahead in the weather, Tuesday will be partly 00:02:37.199 --> 00:02:40.800 sunny with a high near 68 and a northwest wind 00:02:40.800 --> 00:02:44.939 of 5 to 10 miles per hour. A mostly cloudy night 00:02:44.939 --> 00:02:48.330 follows with lows near 63. and Wednesday stays 00:02:48.330 --> 00:02:52.389 partly sunny with a high near 67 and a low around 00:02:52.389 --> 00:02:56.509 64 Wednesday night. Rain chances increase Thursday 00:02:56.509 --> 00:02:59.370 afternoon into Friday, with highs rising to near 00:02:59.370 --> 00:03:04.110 71 and overnight lows in the mid -60s. Bonjour, 00:03:04.550 --> 00:03:07.330 food enthusiasts! This podcast is brought to 00:03:07.330 --> 00:03:11.069 you by Versailles Cafe and Pastries in Encinitas, 00:03:11.810 --> 00:03:14.969 nestled on El Camino Real South, just north of 00:03:14.969 --> 00:03:18.650 Encinitas Boulevard. This cafe is a haven for 00:03:18.650 --> 00:03:22.770 culinary delights. Indulge in their amazing Eggs 00:03:22.770 --> 00:03:26.789 Benedict or their gluten -free crepes. You can 00:03:26.789 --> 00:03:29.830 grab a panini for lunch or just breeze on through 00:03:29.830 --> 00:03:33.090 to get your morning coffee. They are open every 00:03:33.090 --> 00:03:37.430 day from 8 to 5. So stop on by and don't forget 00:03:37.430 --> 00:03:44.240 to tell them. Sunny mornings send you. A fire 00:03:44.240 --> 00:03:48.099 lasting over nine hours at the Chevron, El Segundo 00:03:48.099 --> 00:03:51.460 refinery has left motorists in Southern California 00:03:51.460 --> 00:03:55.860 racing for higher gas prices. The refinery, which 00:03:55.860 --> 00:03:59.340 processes about 300 ,000 barrels of crude oil 00:03:59.340 --> 00:04:02.419 daily, contributes to one -fifth of the region's 00:04:02.419 --> 00:04:05.819 motor vehicle fuel and 40 % of its jet fuel. 00:04:06.789 --> 00:04:10.150 Petroleum analyst Matt McLean estimated potential 00:04:10.150 --> 00:04:13.909 price increases could reach between 35 and 95 00:04:13.909 --> 00:04:17.670 cents per gallon. Although nearby residents have 00:04:17.670 --> 00:04:20.509 mostly resumed their routines, concerns linger 00:04:20.509 --> 00:04:24.449 regarding air quality. Chevron is conducting 00:04:24.449 --> 00:04:27.050 an internal investigation into the incident, 00:04:27.310 --> 00:04:29.910 which has been fully extinguished, while local 00:04:29.910 --> 00:04:32.430 authorities advise residents to stay indoors 00:04:32.430 --> 00:04:42.310 if they detect smoke. Now on to sports Last night 00:04:42.310 --> 00:04:46.449 on Sunday night football the Patriots upset the 00:04:46.449 --> 00:04:51.550 Bills in Buffalo 23 to 20 Drake May was 22 for 00:04:51.550 --> 00:04:57.050 30 with 273 passing yards zero passing touchdowns 00:04:57.050 --> 00:05:02.189 and no interceptions Josh Allen was 22 for 31 00:05:02.189 --> 00:05:07.029 with 253 passing yards two passing touchdowns 00:05:07.029 --> 00:05:11.079 and one interception. Next Sunday, the three 00:05:11.079 --> 00:05:14.120 and two pats head to New Orleans to play the 00:05:14.120 --> 00:05:17.680 Saints at one. The four and one Dills lick their 00:05:17.680 --> 00:05:20.699 wounds and head to Hotlanta for Monday Night 00:05:20.699 --> 00:05:24.560 Football. And tonight on Monday Night Football, 00:05:24.660 --> 00:05:27.720 we have the two and two Chiefs at the three and 00:05:27.720 --> 00:05:32.199 one Jaguars, starting at 815 Eastern on ESPN. 00:05:33.399 --> 00:05:36.379 The Chiefs are favored by three and a half. with 00:05:36.379 --> 00:05:42.420 the over -under set at 45 .5 in local sports. 00:05:43.800 --> 00:05:47.379 Yesterday afternoon in Los Angeles, the Chargers 00:05:47.379 --> 00:05:52.240 lost to the commanders 27 to 10. Justin Herbert 00:05:52.240 --> 00:05:58.939 was 22 for 29, with 166 passing yards, one passing 00:05:58.939 --> 00:06:03.220 touchdown, and one interception. Jaden Daniels 00:06:03.220 --> 00:06:09.279 was 15 for 26, with 251 passing yards, one touchdown, 00:06:09.540 --> 00:06:14.100 and no interceptions. Next Sunday morning, the 00:06:14.100 --> 00:06:17.379 3 -in -2 Bolts take on the 1 -in -3 Dolphins 00:06:17.379 --> 00:06:25.100 in Miami at 10 on CBS. In top news, Fair Isaac 00:06:25.100 --> 00:06:29.019 Corporation, known as FICO, is transforming the 00:06:29.019 --> 00:06:31.819 credit scoring market by offering mortgage lenders 00:06:31.819 --> 00:06:35.100 direct access to its credit scores without relying 00:06:35.100 --> 00:06:40.000 on Experian, Equifax, or TransUnion. Following 00:06:40.000 --> 00:06:44.139 this announcement, shares of FICO surged by 18%, 00:06:44.139 --> 00:06:46.560 while shares of credit -scoring firms dropped 00:06:46.560 --> 00:06:51.319 by up to 11%. This shift is one of the most significant 00:06:51.319 --> 00:06:54.579 changes in decades, prompted by regulatory scrutiny. 00:06:55.540 --> 00:06:58.259 FICO's new program allows resellers to purchase 00:06:58.259 --> 00:07:02.779 scores for $4, plus an additional $33 upon loan 00:07:02.779 --> 00:07:05.600 closure. potentially increasing mortgage costs. 00:07:06.639 --> 00:07:09.660 The impact on borrowers will depend on how resellers 00:07:09.660 --> 00:07:12.399 and credit bureaus respond to these changes. 00:07:13.800 --> 00:07:18.180 In business news, high earners age 50 and older 00:07:18.180 --> 00:07:21.100 are facing new restrictions on retirement savings. 00:07:22.720 --> 00:07:25.360 Starting next year, catch -up contributions for 00:07:25.360 --> 00:07:27.759 those individuals will need to be made after 00:07:27.759 --> 00:07:34.060 tax if their income exceeds $145 ,000. This change, 00:07:34.399 --> 00:07:37.180 mandated by the Internal Revenue Service, means 00:07:37.180 --> 00:07:39.759 that many will pay taxes upfront during their 00:07:39.759 --> 00:07:42.399 high -earning years rather than during retirement. 00:07:43.279 --> 00:07:47.259 With catch -up limits reaching up to $11 ,250, 00:07:48.019 --> 00:07:50.660 this may push some into higher tax brackets. 00:07:51.759 --> 00:07:54.600 However, it could encourage savers to reassess 00:07:54.600 --> 00:07:57.699 their investment strategies, potentially favoring 00:07:57.699 --> 00:08:00.519 Roth accounts for tax -free withdrawals in retirement. 00:08:01.129 --> 00:08:05.370 In crypto movement, Bitcoin is up 3 % over the 00:08:05.370 --> 00:08:12.350 weekend to $124 ,000. Ethereum is up 1 % to just 00:08:12.350 --> 00:08:19.990 over $4 ,500. And XRP is down 1 % to $2 .97. 00:08:22.230 --> 00:08:26.709 Moving on to a more local vibe. In our community 00:08:26.709 --> 00:08:29.740 spotlight on health and wellness. We are working 00:08:29.740 --> 00:08:32.720 with a national Pilates studio to bring you some 00:08:32.720 --> 00:08:37.379 free classes, so listen up. Check out Club Pilates, 00:08:37.779 --> 00:08:40.580 with several locations in the San Diego area. 00:08:41.100 --> 00:08:44.019 Pilates presents a comprehensive wellness approach, 00:08:44.480 --> 00:08:48.019 cultivating strength, reducing tension, and elevating 00:08:48.019 --> 00:08:51.759 mental well -being. Scientific research affirms 00:08:51.759 --> 00:08:56.299 its benefits. So now you can check out Club Pilates 00:08:56.299 --> 00:09:00.100 for a free class. with locations in Encinitas, 00:09:00.659 --> 00:09:04.320 Solana Beach, Oceanside, La Jolla, and more. 00:09:05.299 --> 00:09:07.919 Just be sure to tell them Sunny Morning sent 00:09:07.919 --> 00:09:13.820 you by. And now, back to the show. Let's talk 00:09:13.820 --> 00:09:18.240 tech. OpenAI is shifting its approach to copyright 00:09:18.240 --> 00:09:22.019 works in Sora, its AI video generation application. 00:09:22.759 --> 00:09:25.919 Chief Executive Sam Altman announced that copyright 00:09:25.919 --> 00:09:28.620 holders will gain more control over how their 00:09:28.620 --> 00:09:32.080 characters are utilized. Users can now create 00:09:32.080 --> 00:09:35.100 and share videos within a social media feed. 00:09:36.259 --> 00:09:39.360 Prior to the app's launch, OpenAI informed talent 00:09:39.360 --> 00:09:42.220 agencies and studios they would need to opt out 00:09:42.220 --> 00:09:45.039 to avoid their copyrighted material appearing 00:09:45.039 --> 00:09:49.179 in generated videos. Altman emphasized that this 00:09:49.179 --> 00:09:52.360 policy will resemble the opt -in model for likenesses. 00:09:52.549 --> 00:09:56.490 but with additional controls. He also noted that 00:09:56.490 --> 00:09:59.909 open AI must find ways to monetize Sora while 00:09:59.909 --> 00:10:06.049 sharing revenue with rights holders. Entertainment 00:10:06.049 --> 00:10:10.730 news. In Hollywood, the rise of artificial intelligence 00:10:10.730 --> 00:10:14.730 actress Tilly Norwood is causing quite a stir. 00:10:16.330 --> 00:10:19.269 Aline van der Velden, founder of AI production 00:10:19.269 --> 00:10:22.919 studio Particle 6. envisions Tilly as the next 00:10:22.919 --> 00:10:26.200 big star, aiming for representation by a major 00:10:26.200 --> 00:10:30.080 talent agency soon. However, industry leaders 00:10:30.080 --> 00:10:32.659 are expressing concerns about the implications 00:10:32.659 --> 00:10:37.279 of AI performers. Gersh Agency president Leslie 00:10:37.279 --> 00:10:40.840 Siebert labeled Tilly's phenomenon as frightening. 00:10:42.080 --> 00:10:45.559 While some actors fear job displacement, others, 00:10:45.840 --> 00:10:49.240 like producer Scott Stuber, emphasize that the 00:10:49.240 --> 00:10:53.029 human condition in storytelling remains irreplaceable. 00:10:54.009 --> 00:10:57.090 As studios consider AI's potential, the debate 00:10:57.090 --> 00:10:59.929 surrounding creative authenticity and ethical 00:10:59.929 --> 00:11:03.990 boundaries continues. Well, all righty, folks. 00:11:04.309 --> 00:11:08.110 It's time for the quote of the day. And today, 00:11:08.429 --> 00:11:10.690 our quote comes from the American astronomer 00:11:10.690 --> 00:11:15.149 and science communicator, Carl Sagan. Anti -set. 00:11:16.169 --> 00:11:18.470 Somewhere, something incredible is waiting to 00:11:18.470 --> 00:11:22.350 be known. And that's a wrap for this morning. 00:11:23.309 --> 00:11:25.850 You can check out our Instagram, YouTube, and 00:11:25.850 --> 00:11:29.509 TikTok for some captivating aerial videos with 00:11:29.509 --> 00:11:33.570 local news and the surf reports. Have an amazing 00:11:33.570 --> 00:11:35.970 day, my good friends. We'll see you tomorrow 00:11:35.970 --> 00:11:39.289 with another episode of Sunny Mornings in Encinitas.