Business Is Boring

Being good with money is not easy. The whole credit, consumer, and hedonistic world are built to try to get people to spend too much on things they don't need, for short term gain. The actual tips for how to be better with money are quite simple. Spend less than you earn, save a good percentage even when you don't earn a lot, stay away from expensive debt, invest in upskilling and invest for the long-term as compounding benefits are your friend. However simple these ideas might seem actually connecting with people and getting them to believe they can make the change can be the hardest thing. Luke Kemeys is one of the new breed of financial influencers who is able to make these messages connect by sharing his story, by making the content relevant and by turning up time and time again to land the messages and habits. His media brand Keep the Change educates, informs and entertains through podcasts, courses, events and his regular newsletter. His approach sees the free content deliver heaps of value, and this creates a pipeline of business for his accountancy practice. His work has helped countless people get out of debt and into good positions, and he joins the podcast to chat his approach to money, how he learnt to practice good habits and how sharing great content can lead to business success. Learn more about your ad choices. Visit megaphone.fm/adchoices

In theory every business has the potential to bake doing good into how it makes money. But very few do. Brianne West has shown with first Ethique, and now Incrediballs, that with intentional action you can make a brand, business, product and movement for change, where everything you sell means you create a net positive for the world. Brianne joins us to share how she does this, and how the opportunity is there for everyone else to too! Incrediballs is her new venture, nearing launch for the effervescent tablets that you drop in water for the soft drink experience and taste, without the plastic bottles, transported water or massive sugar load. We can't wait to see the impact these can have on the world's biggest plastic pollution market. If you are interested in learning more about how to design your business to create positive impact with everything you do check out Brianne's free courses and materials at Business, but Better. Learn more about your ad choices. Visit megaphone.fm/adchoices

People leaders are often the quietly most vital parts of a business. Great people leaders are like a cross between HR and an executional chief operating officer - someone who takes the business strategy and breaks it down into what everyone needs to do, and then helps every manager in a business stay accountable. There are no great companies without great people policy and execution, and people leaders need to understand culture, strategy, how people tick and how to create high performance environments- all the kind of things that also make for a great CEO. So why don't we see more CEOs coming from chief people officer backgrounds? This episode on the pod we talk to Olivia Dyet, founder and CEO at recruitment startup Empathix and Pene Barton, CEO at Crimson Global Academy. Both these leaders came from leading people operations, and both are at the front of what great looks like in terms of AI execution and implementation both on how they work and how their teams operate. We have a great chat about how this could be a huge opportunity for more diverse leadership with so many amazing women in people and operations, how we may need to redefine what a technical leaders is in the age of AI and about the practical toolbox of AI tools everyone should be using today. Learn more about your ad choices. Visit megaphone.fm/adchoices

Building community can be one of the most important parts of building a brand and business. When people talk about businesses and customers, we are really talking about a community of people. What does it take to become a valuable and useful member of a community, rather than just a business selling into a community? What are the benefits? And how do you set out to give enough value that people want to do things with you and for you? These are all questions today's guest is an expert in. Chanel Clark is a marketing leader who decided she needed community around her to help her grow in her role, leading marketing for Ārepa, a functional FMCG brand with a mission to help make brains better. When Chanel started The Marketing Club she thought she might get 30 people. As of April 2025, they have 10,000 members across AU and NZ. Chanel joins the pod to talk what it takes to build such a community, and how listening to that community is the key to success. Learn more about your ad choices. Visit megaphone.fm/adchoices

On this season of Business is Boring we're talking to leaders who are great examples of the best of business - and today we are looking at the opportunities and challenges of creating your own category. Creating a category allows you to be the leader and get away from the competition. But it is one of the hardest things to do - as you need to create awareness, trust, new habits and understanding in the market. It takes energy, positivity, confidence, optimism, perseverance as well as a great product and business discipline. These are things that Steven Zinsli has in spades - and that host Simon Pound has seen up close by working on their brand and being an investor. If you're on LinkedIn you will have seen the way Steve is building in public, sharing the wins, the work and the journey to create a new category of payments for business. Today there is no standard way for any non-wage payments to be distributed to workers. There are a bunch of very ordinary options -gift cards, reimbursements or tax attracting extra payments in payroll. Their platform is built to give every employee a card and account, and help the finance function track, manage and report on all dollars allocated and spent. The amount wasted on gift card admin and unspent dollars, on admin time for reimbursement and on inefficient reporting is massive, but today people don't think of these as all having one solution. What does it take to establish a new idea? What can others learn about communication and turning up? And how might other business people think about choosing their own lane? Hear from Steve Zinsli, founder and CEO at Extraordinary in this episode. Learn more about your ad choices. Visit megaphone.fm/adchoices

This season on Business is Boring we're talking to people who are examples of better ways to do business. This week we meet Jovan Pavlicevic, co-founder of SquareOne, a financial empowerment and spending card for kids, and now, Emerge, the challenger for small business banking. In many ways Emerge is the classic disruptor, coming in and taking share from the big bank incumbents by being faster, nicer, smarter and more customer-centric than the big players. We learn what it takes to be a positive disruptor, as one thing about Emerge is that they've got where they are by being better to deal with, not by disrupting in destructive ways. We've loved seeing Emerge so far, and keep an eye out for where they go next as they continue to advocate for more modern banking regulations and services in Aotearoa. Learn more about your ad choices. Visit megaphone.fm/adchoices

Growing up in a self-sufficient community on Aotea Great Barrier Island, Tama Toki owes much of his problem-solving nous and deep connection to the whenua to his unique upbringing. As the founder of Aotea (a skincare line rooted in rongoā Māori knowledge) and Aotea Energy (a company focused on renewable micro-grid solutions), Tama's work blends innovation with purpose. In this final episode of Business is Boring for the season, we dive into Tama's journey, the mātauranga Māori guiding his ventures, and his vision for a future where energy and business empower communities. This is the last episode in this run for Business is Boring, and such a fitting guest to end on – Tama embodies the potential of business to build a better world, while broadening our understanding of what business can be. Thank you to all our incredible guests and listeners for joining us on this journey! Learn more about your ad choices. Visit megaphone.fm/adchoices

AI is becoming an integral part of daily life, and chances are you've already used the work of today's guest. Tom Gruber is the co-founder and creator of Siri, the intelligent assistant that revolutionised how we interact with technology with Apple. But Tom's contributions to AI extend far beyond voice commands—he's a pioneer of “Humanistic AI”, a design philsophy that champions the idea that artificial intelligence should amplify human potential, not replace it. While in Aotearoa for the Spark Accelerate Summit, Tom joined Simon Pound to chat about designing human-centered tech, the future of AI, and how to create tools that genuinely enhance our lives. Learn more about your ad choices. Visit megaphone.fm/adchoices

AI, smart cities, and the future of urban living aren't just buzzwords—they're reshaping our world. Few are driving this transformation more than Dr. Ayesha Khanna, co-founder and CEO of Addo, an AI advisory firm dedicated to harnessing technology for the greater good. A futurist, thought leader in AI ethics, and passionate advocate for diversity in tech, Dr. Khanna's impact spans continents, from shaping smart city initiatives in Asia to empowering young women through her education nonprofit 21st Century Girls. While Dr. Khanna was in Aotearoa for the Spark Accelerate Summit, she joined Simon Pound to chat about her vision for ethical AI, smarter cities, and tech that uplifts humanity. Learn more about your ad choices. Visit megaphone.fm/adchoices

AI can be a superpower, but like all tools, if you know what you're doing you're going to get a better result. In a nutshell: the better the inputs, the better the outputs. That's what Edmundo Ortega is here to help with. He's an AI educator at Section - the business education and up-skilling platform - who was here in New Zealand to teach a course on AI prompting, and to present at the Spark Accelerate summit. Edmundo is a seasoned entrepreneur and Silicon Valley expert and he joined us to talk about his journey, his views on the future of tech, and the lessons he's learned along the way. Learn more about your ad choices. Visit megaphone.fm/adchoices

How can organisations proactively disrupt themselves to stay ahead in rapidly changing markets while optimising costs? Nadine Higgins hosts a panel of international business and technology leaders for an engaging discussion on creating a culture of innovation that encourages risk-taking and experimentation, balanced with smart resource allocation and efficiency improvements. Expect transformative ideas from frontline disruptors, as they explore the importance of continuous reinvention to maintain competitive advantage and organisational resilience in the face of uncertainty. Featuring: Edmundo Ortego (partner, Machine & Partners), Brian Northern (group CIO, Fulton Hogan), Dave Scullin (chief digital officer, Zespri), Sarah Carney (Australia / NZ CTO, Microsoft) Learn more about your ad choices. Visit megaphone.fm/adchoices

Karma Drinks and All Good Organics are among the best examples of businesses putting purpose and social impact at the heart of what they do. While providing great products, they also provide fairer wages to the growers and entrepreneurs involved in the production of goods, and part of all proceeds go to the Karma Foundation, which works to provide opportunities to people in Sierra Leone. The chair of that foundation is Albert Tucker, who has been a pioneer and advocate for Sierra Leone and fair-trade practices globally. Albert was in New Zealand to share more about the foundation's work, and he joined us with Simon Coley, co-founder of Karma Drinks and All Good Organics. Learn more about your ad choices. Visit megaphone.fm/adchoices

Recruitment can be a great business if you do it well. You get roughly 15% of the salary of the people you place as a success fee, and if you have a good relationships with companies and talent you can repeat the process over and over. But it's not a simple gig! Great recruiters need to understand the people and the businesses they work with - and every job you place directly affects your reputation. Troy Hammond is a recruiter who specialises in the high growth space who has become a sounding board, support person and champion for so many people in the start-up scene. Through his company Talent Army and the work he does with his podcast We F#$king Love Startups, he generates amazing impact. To talk the journey, big goals, and what's next, Troy joins the podcast. Learn more about your ad choices. Visit megaphone.fm/adchoices

Nature Baby is the organic baby wear company creating natural, long-lasting and well-made clothing, with a retail model that's big on community. Co-founders Jacob and Georgia Faull have built to four stores, 55 staff and stockists around the world, and have ridden many waves of business, fashion and commerce to get there. To talk the journey, what's next and their new circularity initiative Worn Again, co-founder Jacob Faull joins the pod. Learn more about your ad choices. Visit megaphone.fm/adchoices

When a client didn't pay Max Semmons-Russell's plumbing business for a completed $30k job it nearly knocked his company over. When it happened again he decided there had to be a better way. Asking around he saw the problem was huge, and there might be a solution that had fallen out of use. Escrow is a concept where people put a payment with a trusted third party until the product or service has been delivered. Max built Green Light Escrow to make it easy for trades businesses to use escrow to have certainty of payment, and customers to know they only pay when the job is delivered. To talk solving the big problem, starting a tech business on top of a successful plumbing business and what's next, Max Semmons-Russell joins Simon Pound.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Although the biggest spending line for most startups is people, most startups don't get serious about people until they get pretty big. Doing so earlier might just be the biggest lever startups can pull to increase their chances of making it in the long run, and making the journey along the way as smooth as possible. Kimberley Gilmour is one of New Zealand's most experienced people leaders, having been instrumental in the scaling and operations of Icebreaker, Groov and Vend. Now the founder and CEO of Sprinklr, a new “people operations” company that is partnering with early-stage companies to help them grow, Kimberley joins the podcast to discuss her story, the origins of Sprinklr, and the two main pillars of great people management that she swears by. Learn more about your ad choices. Visit megaphone.fm/adchoices

Concrete is one of the biggest contributors to climate change, with around 8% of global carbon emissions linked to its manufacture and use - but it wasn't always like this. Local sustainable startup Neocrete has taken inspiration from 2000-year-old Roman methods to make concrete with half the carbon emissions today and a path to being entirely carbon neutral in a few years. This world leading innovation has attracted top international VC support, and the co-founders Matt Kennedy-Good and Zarina Bazoeva are now poised to make huge impact on the biggest of industries. Kennedy-Good joins the pod to discuss making change in an established practice, the path to innovation and what's next for the concrete industry. Learn more about your ad choices. Visit megaphone.fm/adchoices

Daylight is an advertising and communications agency that was born out of The Spinoff newsroom, from the amazing work Toby Morris and Siouxsie Wiles did with Covid explainer gifs which grabbed the eye of the World Health Organisation. Daylight CEO Lee Lowndes has built the agency to add web and digital capability, leading to local and international growth in the hardest of markets. Learn more about your ad choices. Visit megaphone.fm/adchoices

In 2012 Mike Brown was hit by a car and became paralysed from the waist down. The transition to using a wheelchair and navigating a world not built for accessibility meant Mike saw a lot of things that could be improved to help improve access, enjoyment and opportunity. He started Adaptdefy, where their first hero product, the LapStacker, helps wheelchair users more easily secure items in their laps with straps, and is a hit that is up for a Best Design Award this year. Learn more about your ad choices. Visit megaphone.fm/adchoices

When Tom Wallace went to work at his family property business after university while working on start-up ideas he was amazed to find how poor the software was for property management. This led him to begin a company that helps property management companies run better businesses. Fast-forward 12 years and his company Re-Leased is a global leader, with offices around the world, 1,400 customers, 350,000 tenants and a rent roll of US$7.5 billion. Learn more about your ad choices. Visit megaphone.fm/adchoices

Megan Wyper started her career working with New Zealand coffee pioneers Millers coffee, before getting experience overseas in every element of the coffee business. On her return to New Zealand she joined Acme cups, a company you might not have heard of, but whose cups you've definitely drunk out of. They make the tulip cups you've seen in a variety of colours at specialist coffee stores (or bought from homeware and retail stores far and wide). To talk the journey, running a hospo-adjacent business and where Acme goes next, Meg Wyper joins the pod. Learn more about your ad choices. Visit megaphone.fm/adchoices

In a few short years, Anihana have gone from a small New Zealand brand to being on the shelves of 6000+ stores in America. Their shower steamers, shampoo bars, bath bombs and friendly fun sustainable packaging have helped them grow so fast they're currently doing a capital raise through Snowball Effect to service demand and growth. Learn more about your ad choices. Visit megaphone.fm/adchoices

Roughly half of all people experience periods, so why aren't period products more accessible? In Aotearoa today, if you are dealing with period-related issues and happen to be in a public place - a mall, cinema, office workplace or university, for example - it's likely that you won't have access to any free products that might help. Ads on Pads is here to change this. Founder Aditi Gorasia's goal is to make period products free by placing advertising on them, while ensuring the products themselves are natural, biodegradable and made of the safest possible materials. To talk the journey, the problem today, and how more companies can support the battle for accessible period care, Aditi joined the pod. Learn more about your ad choices. Visit megaphone.fm/adchoices

Jessie Stanley first came on the pod to chat founding and growing I Love Pies, the startup she led through to a successful exit. From there she has helped spearhead a project to stop sand being mined in Pākiri, been a food expert for Snackmasters, and is now back with a new startup to help solve food waste and create sustainable protein with one big solution, using a very small method: bugs! Good Grub creates vertical bug farms, feeding food waste to black soldier flies and harvesting the fast growing grubs to be a source of protein and amino acids, great for pet feed, animal feed, fish feed and fertiliser. Jessie presented her startup at the Icehouse Showcase in August, and joined us to chat that experience, how bugs will change the world, fundraising and life as a second time founder. Learn more about your ad choices. Visit megaphone.fm/adchoices

Femmi is a coaching and fitness app challenging the outdated idea that periods limit performance. Their run training programmes and run club communities are designed to help solve the problem that sport training - like so many things - has been designed and built with the physiology of men in mind. Femmi helps users train in a way that is mindful of the menstrual cycle; a pioneering approach currently followed by only 1% of the fitness industry. Along the way Lydia O'Donnell and her co-founder Esther Keown have built a devoted community and are employing a science-backed approach to help women move with confidence. To talk her journey from elite sport to founding a world-beating company, CEO Lydia O'Donnell joins the pod. Learn more about your ad choices. Visit megaphone.fm/adchoices

Hnry is now New Zealand's largest accountant, helping to manage, file and contribute nearly 1% of New Zealand's entire tax revenue - and is getting huge in Australia too. It's done that rare thing: change people's habits, getting them to have their wages paid to a different account so Hnry could deduct tax as they go. Co-founder and CEO James Fuller joins us to chat the journey he and his wife/co-founder Claire Fuller have been on, from humble beginnings with a single spreadsheet, to resigning from their great jobs, to now being a massive success that is - in many ways - just getting started. Learn more about your ad choices. Visit megaphone.fm/adchoices

Menopause happens to roughly half of everyone, yet until very recently it's largely been absent from culture and work - and when it has popped up, it's often been in ways that are stereotyped or misinformed. Niki Bezzant is one of the people leading a new conversation, helping more people understand, plan for and talk about menopause. Through speaking events, running workshops, and writing books This Changes Everything and The Everything Guide: Hormones, health and happiness in menopause, midlife and beyond, Niki helps women and workplaces navigate the menopause journey and beyond. Follow Niki's work on Instagram here, and on the web at nikibezzant.com. Learn more about your ad choices. Visit megaphone.fm/adchoices

Ārepa has had a roller coaster year. The functional drinks company are on a mission to make brains work better, through their science and research-backed products. Last year, however, they went through a well-publicised process with the Ministry for Primary Industries about health claims on their labels, resulting in a media fire storm. How did that all come about? How did they move past it? And is the brain drink for real? To chat all this, founders Angus Brown and Zachary Robinson join the pod. Learn more about your ad choices. Visit megaphone.fm/adchoices

Kernel recently surpassed $1B in funds under management - a massive achievement for the investment and finance platform. They started with a range of index funds and this milestone is just the beginning of how they aim to help with wealth management. What does it take to get started in fintech? How do you grow to a billion under management? What comes next? To chat all this Dean Anderson, founder and CEO joins the podcast. Learn more about your ad choices. Visit megaphone.fm/adchoices

Vessev make hydrofoilng boats, marrying America's cup foiling and boatbuilding prowess with software excellence to make smooth, sustainable travel possible. CEO Eric Laakmann is one for the water. He came to NZ as part of a sailing adventure that took him from his American home (where he'd worked at Apple as an instrumental part of the Apple Watch project) to NZ, where he decided to get involved with a great local company trying to change how boats are made and their impact on the water. They have come back from the very brink, but seeing the boat on the water - and the excitement building - it's a great story of grit and talent and determination. Learn more about your ad choices. Visit megaphone.fm/adchoices

Access to opportunity is not equal. A new report looking into pathways for Māori in entrepreneurship and capital has identified many barriers and opportunities. The Te Ara Takatū report is from the Tapuwae Roa trust, and their chief executive /Kaihautū, Te Pūoho Kātene joined us to chat his career journey (including study at Stanford University, serving his iwi Ngāti Toa and his time as an Obama Foundation Leader), as well as how we can uplift and celebrate Māori achievement in entrepreneurship. Learn more about your ad choices. Visit megaphone.fm/adchoices

Rob Coneybeer co-founded Shasta Ventures in Silicon Valley in 2004. They invested in companies like Nest and Dollar Shave Club, have over $1B of funds under management and, unusually for US VC, have a deep and active interest in Aotearoa. We cover his journey into venture capital, how he got connected to NZ, how he's creating more links between NZ and the US and what it takes to spot the next big thing. Learn more about your ad choices. Visit megaphone.fm/adchoices

Taxi is a new venture helping Kiwi businesses turn their provisional tax payments into a new source of business funding, at about half the price of a typical big bank overdraft. It's from the founders of Tax Traders, who manage the better part of three billion dollars of tax pooling here. To talk building better businesses, giving the economy a rev up and making Aotearoa more productive, co-founder and CEO Nicola Taylor joins the podcast. Learn more about your ad choices. Visit megaphone.fm/adchoices

We thought you might like a wee taster of our brand new #1 series, Juggernaut: The Story of the Fourth Labour Government, hosted by Toby Manhire. Click here to follow Juggernaut so you get every episode as soon as it's released! 1. I love you, Mr Lange Fuelled by brandy and fury, Sir Rob Muldoon calls a snap election, sparking a 1984 campaign of contrasts – the menacing, protectionist National PM against the fresh, upbeat Labour leader, David Lange. The pretext for the election is the decision by Marilyn Waring, a young, gay MP, to back an anti-nuclear bill and quit the National caucus, prompting an earful from Muldoon. Lange, meanwhile, is joined at the hip by a hungry would-be finance minister, Roger Douglas. They are about to confront a profound crisis, and launch a revolution. Includes previously unheard interviews with David Lange from the 84 campaign trail, and new and exclusive interviews with Marilyn Waring, Roger Douglas, Geoffrey Palmer, Richard Prebble, Peter Harris, Margaret Wilson, Bob Harvey and Gary McCormick. Click here for full details of archive material used in this series Juggernaut was made with the support of NZ On Air. Learn more about your ad choices. Visit megaphone.fm/adchoices

Greg Shove is CEO at Section, the next generation education online company founded by Professor Scott Galloway. He is in NZ with Spark for Business, launching a special Mini MBA to equip business leaders for the AI age. We talk to learn what business owners would be doing now, where the world of AI is at, and what you can do to take advantage of the biggest change to business since the cloud. Learn more about your ad choices. Visit megaphone.fm/adchoices

Ethan Eismann has been a design leader at Adobe, Google, AirBNB, Uber and Slack - some of the most influential companies of our age. As part of the Spark Business Lab Future State festival he spoke to us and shared his approach to design, building great design cultures, and how he has grown and supported growth in his career. World-class advice from a world leader. Learn more about your ad choices. Visit megaphone.fm/adchoices

Damon Gameau was one of the most successful actors in Australia when he made ‘That Sugar Film', a documentary which unpacked the dangerous volume of sugar in our food system. He next turned to climate change with 2040, and joins Duncan Greive on Business is Boring to explain how to get people to pay attention to topics which require our attention, even when the topic is one we'd rather ignore. Learn more about your ad choices. Visit megaphone.fm/adchoices

Noelle Russell has had roles at - or contact with - most of the biggest names in artificial intelligence. She answered the bell when Jeff Bezos emailed to find a team to work on the first generation of Alexa, took a role at Microsoft as it became a powerhouse there, and latterly helped set up Accenture's AI consulting business. She joins guest host Duncan Greive on Business is Boring to talk through her life and experience, and give a primer on how individuals and organisations can start to grapple with this technology. Learn more about your ad choices. Visit megaphone.fm/adchoices

Håkan Nordkvist was, until recently, head of sustainability innovation for IKEA, one of the world's largest retailers. In New Zealand for Spark Business Lab's Future State, he joins guest host Duncan Greive on Business is Boring to talk about why the role of really big business in sustainability is underrated, how you protect innovation within large organisations and breaks down which of their initiatives really worked – and why. This episode is part of Future State, a technology summit from Spark Business Lab and Semi Permanent Learn more about your ad choices. Visit megaphone.fm/adchoices

Bernard Hickey steps in to host a special live panel featuring three leaders in circular business, bio-materials and turning trash into treasure share their experiences in building better systems for business. Hear from Jayden Klinac of Anew, who replaces plastic with bio-materials; Sara Smeath from CiRCLR, turning waste from businesses into a resource for others, and Rachel Brown at the SBN who helps to connect and advance business practice in Aotearoa. This episode is part of Future State, a technology summit from Spark Business Lab and Semi Permanent Learn more about your ad choices. Visit megaphone.fm/adchoices

The Spinoff has just launched a brand new series called Behind the Story, where site editor editor Madeleine Chapman sits down with a staff writer or contributor to gain more insight about a big story on The Spinoff from the week. We thought you might like to check out the first episode, and if you enjoy it please follow it wherever you get your podcasts! On Friday, Bulletin editor Anna Rawhiti-Connell sent her final newsletter, and took the opportunity to share what she's learned about the news over two years of curating it for thousands of New Zealanders. Earlier in the week, she'd seen reports of Auckland dog owners discarding their pets' turds on the ground after Auckland Council removed bins across the city. And so, the column “If you love a dog, you must also love disposing of its shit” was born. Anna joins Madeleine Chapman to talk about the power journalists have when framing a story and how to find the middle ground between boring and sensational. For The Spinoff editor's thoughts on the week that was, as well as a handpicked collection of the week's best reads, subscribe to The Weekend with Madeleine Chapman newsletter at thespinoff.co.nz/newsletters Learn more about your ad choices. Visit megaphone.fm/adchoices

Blackbird VC recently netted $800m from a sale of a portion of their holding in Canva. They are, by some distance, the largest and one of the most successful VC firms in Australasia. In Aotearoa they have backed Tracksuit, Veve, Partly and Halter and their work to lift up the venture ecosystem includes Sunrise, Startmate and the Giants programme. Phoebe Harrop is the new local lead, with a background in consulting at Bain, working for Al Gore's investment firm Generation and a few years growing the business in NZ. She joins Simon Pound to dig into what makes a good VC investment, what makes a great founder and how does NZ stack up against Australia? Learn more about your ad choices. Visit megaphone.fm/adchoices