Jeff Duntemann's Contrapositive Diary Rotating Header Image

July, 2025:

ZilchWorks Turns 35

My friend Mike Riley, a Marine vet, started his own company back in 1990, and created a product unlike anything else I’ve ever seen: ZilchWorks. It’s a personal debt management application, and helps people get a handle on what they owe and helps them plan their way until they owe…zilch.

The product has over 16,000 users and has been featured on Good Morning, America. There’s a version for both Windows and Mac. Definitely go to the product’s web site for details. Mike’s recent blog post on the latest release is very much worth reading, providing an illustrated history of the product.

One reason I like and admire ZilchWorks is because it was originally written in Turbo Pascal for DOS, and later in Delphi, with the recent major release being compiled with Delphi 11.3 FMX. As a Pascal guy since 1980, I’ve endured all the nervous slander from C bigots calling Pascal a “kiddie language.” And yet I know of a fair number of sophisticated software packages written in Delphi, and not for kiddies, heh. (I know of a few written in FreePascal/Lazarus too.)

Mike credits me for getting him started learning Pascal, of which I am proud, as I’m proud of helping anybody get an initial grip on programming. I’ve helped him here and there down the years, and I have the highest respect for his skills. Maintaining and selling a software package for 35 years—with no end in sight—is no small thing.

If debt is an issue in your life, consider Zilchworks. Message Mike at rileymj@zilchworks.com.

So…What’s Next?

I took a couple of months away from major writing projects after I published The Everything Machine on KDP. It’s sold reasonably well, but it needs more reviews and probably more energy in marketing than I can afford right now. So I’ve been poking around in my writing folders looking for notes or unfinished stories that might be finished. The other day I read through the 38,000 words I have on my non-SF novel Old Catholics. I’ve posted some excerpts here a couple of times across the last seven or eight years. If you’re new to Contra and curious, you can find the excerpts and brief synopses here, here, and here.

Like all my plots, the story is complex, and depends on several key characters, including a resigned priest, the woman he loves, and the cardinal of Chicago. Those three attended Loyola University together and were close friends for…awhile. Many years later, Fr. Rob, who now works at a Catholic goods store selling rosaries and statues, runs into a psychic little old Polish lady from an Old Catholic community that meets in a converted bungalow in Chicago’s Rogers Park. It’s just a few eccentric souls who don’t feel like they belong in mainstream Catholicism. Fr. Rob persuades his college girlfriend, who was excommunicated for divorcing an abusive husband, to attend the church with him. At that point, all sorts of interesting things begin to happen. Then, after the climax, the existing Pope dies, and…you guessed it…the curia elect Chicago’s Cardinal Peter Luchetti as the new Pope, John XXIV. He’s the first American pope, which seemed (back when I wrote what I have) a little far-fetched. And now, surprise! It’s not SF, but I nonetheless predicted something I thought would not happen for decades, if not centuries.

We have an American Pope. Who was born in Chicago.

Wow. Just wow.

Before you jump to conclusions, I know very well that our new Pope Leo XIV was never Chicago’s cardinal. But our new Pope was indeed born in Chicago and did a lot of globe-trotting missionary work before taking the papal throne. So consider this: If I finish and publish Old Catholics, using the notes and plot that I already have, people will assume that I got the idea for an American pope from our new American pope. Not so. Alas, what might have been a startling conclusion for the book in 2015 is just how the church works now in 2025.

I’m conflicted. I may have to throw away big honking chunks of the current text and probably rethink the ending entirely. Will I? Not sure. There are other unfinished projects in my folders, including The Molten Flesh, which has fewer words down but a lot more plot problems. Clearly, there’s some thinking to be done. And brainstorming. And who knows? Maybe I’ll start something brand new from scratch.

Watch this space. When I make a decision, you’ll see it here.

The NYT Vs. ChatGPT

You may have seen this story come up over the last year and change: The New York Times is suing OpenAI, creator of ChatGPT, for copyright infringement. Earlier this year, a federal judge ruled that the lawsuit can move forward. And now—good grief!—the Times is demanding that OpenAI save all discussions people have with ChatGPT. All of them. The whole wad—even conversations that people have deleted.

You want a privacy violation? They’ll give you a privacy violation, of a sort and at a scale that I’ve not seen before. The premise is ridiculous: The Times suspects that people who delete their conversations with ChatGPT have been stealing New York Times IP, and then covering it up to hide the fact that they were stealing IP. After all, if they weren’t stealing IP, why did they delete their conversations?

Privacy as the rest of us understand it doesn’t enter into the Times’ logic at all. The whole business smells of legal subterfuge; that is, to strengthen their copyright infringement case, they’re blaming ChatGPT users. I’ve never tried ChatGPT, and I’m certainly not going anywhere near it now. But this question arises: If a user asks an AI for an article on topic X, does the AI bring back the literal article? Golly, Google does that right now, granting that Google respects  paywalls. Can ChatGPT somehow get past a paywall? I rather doubt it. If the Times wants to go after something that does get past its paywall, it had better go after archive.is, over in Iceland. I won’t say much more about that, as it does get past most paywalls and is almost certainly massive copyright infringement.

And all this brings into the spotlight the central question about commercial AI these days: How do AIs use their training data? I confess I don’t fully understand that. This article is a good place to start. Meta’s Llama v3.1 70B was able to cough up 42% of Harry Potter and the Sorcerer’s Stone, though not in one chunk. Meta’s really big problem is that it trained Llama on 81.7 terabytes of pirated material torrented from “shadow libraries” like Anna’s Archive, Z-Library, and LibGen, and probably other places. I consider these pirate sites, albeit not as blatant as the Pirate Bay, but pirate sites nonetheless.

I’m still looking for a fully digestible explanation of how training an AI actually works, but that’ll come around eventually.

So how might an AI be trained without using pirated material? My guess is that the big AI players will probably cut a deal with major publishers for training rights. A lot of free stuff will come from small Web operators, who don’t have the resources to negotiate a deal with the AI guys. Most of then probably won’t care. In truth, I’d be delighted if AIs swallowed Contra’s 3500+ entries in one gulp. Anything that has my name in it will make the AI more likely to cite me in answer to user questions, and that’s all I’ll ask for.

Ultimately, I’m pretty sure Zuck will cut a deal with NYT, WaPo, the Chicago Trib, and other big IP vendors. Big money will change hands. Meta will probably have to charge people to use Llama to pay off IP holders, and that’s only right.

But lordy, this is a supremely weird business, and I’m pretty sure the bulk of the weirdness is somehow hidden from public scrutiny. Bit by bit it will come out, and I (along with a lot of you) will be watching for it.