#Agents
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Build vs buy for AI agents is a question about who owns auth, memory, evals, retries and the pager. Here is the cost of each side, with the assumptions written down.
Four categories, placed on six things a buyer can check: what you install, who runs the model, what it remembers, what it may do alone, what it costs, how it fails.
A profile of the six places an agent system spends tokens, how to measure each one, and the fixes in order of payoff, with the vendor numbers cited.
Fine-tuning vs RAG is a diagnosis, not a preference. Fine-tuning moves behaviour and format. Retrieval moves facts. Here is how to tell which one you need.
An AI operating system is specialized agents, memory, and skills on the host you already pay. It is not a chatbot, and it is not software you install beside your tools.
AI agents for marketing teams run inside Growth OS on the host you pay. The OS looks for the gap. It does not replace the person who approves the send.
AI governance, here, means a person approves before an agent publishes, sends, or writes to a customer record. This is not a legal opinion.