POPULARITY
62 episodes with AAI
8 episodes with AAI
15 episodes with AAI
12 episodes with AAI
7 episodes with AAI
6 episodes with AAI
6 episodes with AAI
3 episodes with AAI
12 episodes with AAI
Alabama Gov. Kay Ivey met with representatives of the Alliance for Automotive Innovation last week to discuss the potential effects of President Donald Trump's tariffs on the state's automotive industry. The Trump administration's recently imposed 25% tariff on auto imports from Canada and Mexico could lead to higher costs, some industry experts predict. Alliance for Automotive Innovation CEO John Bozzella told Reuters that some vehicle prices could increase by up to 25%, with the effects being seen almost immediately. The AAI is a trade group that represents several companies with manufacturing facilities in Alabama, such as Mercedes-Benz, Honda, Hyundai, Toyota...Article Link
In this episode of Occupied Thoughts, FMEP Fellow Ahmed Moor speaks with political strategist and former FMEP Fellow Rania Batrice together with Maya Berry, Executive Director of the Arab American Institute, and Margaret Zaknoen DeReus, Executive Director of the IMEU Policy Project. They discuss the role of Israel's genocide in Gaza – and the U.S.'s facilitation of it through weapons and political support – in the 2024 elections, drawing from newly available data, including the IMEU Policy Project's January 2025 poll, which shows that "Gaza was a top issue for Biden 2020 Voters Who Cast A Ballot For Someone Besides Harris." They look at voter behavior among Arab Americans and in many other communities, at relationships between the Democratic Party and grassroots activists, and at the ways in which Arab Americans have been blamed for the Democratic loss. Key Resources: New Poll Shows Gaza Was A Top Issue For Biden 2020 Voters Who Cast A Ballot For Someone Besides Harris, from the IMEU: https://www.imeupolicyproject.org/postelection-polling Depressing the Vote: Genocide and 2024 US Presidential Race, Halah Ahmad, Al Shabaka: https://al-shabaka.org/briefs/depressing-the-vote-genocide-and-2024-us-presidential-race/ Rania Batrice is the daughter of Palestinian immigrants, an activist and strategist for progressive change, a public relations specialist, and a political consultant. Rania has worked as a Democratic operative for over twenty years, lending her expertise across political, non-profit, legislative strategy and crisis management both in the United States and around the world. For Bernie Sanders' 2016 run for president, she served as Iowa Communications Director, the National Director of Surrogates and as Deputy Campaign Manager. In addition to Rania's expertise in strategy, policy and communications, her portfolio includes over 15 years of experience in conflict resolution, mediation, and organizational development. Her firm, Batrice and Associates, has worked for social justice through a variety of avenues, collaborating with organizations including Human Rights Watch, the Arab American Institute, March for Our Lives, Color of Change, March For Science, Sunrise Movement, and NDN Collective and more. Rania has been a featured speaker for a wide range of events, including addressing climate change at the Social Good Summit, the UN Youth Climate Summit and the UN General Assembly. Maya Berry is Executive Director of the Arab American Institute (AAI), a non-profit, nonpartisan, national civil rights advocacy organization founded to nurture and encourage direct participation in our political and civic life to mobilize a strong, educated, and empowered Arab American community. She previously worked at AAI, establishing its first government relations department, which she led for five years before becoming Legislative Director for House Minority Whip David Bonior, where she managed the Congressman's legislative strategy and developed policies on international relations, human rights, immigration, civil rights and liberties, and trade. Margaret Zaknoen DeReus is the Executive Director of the IMEU Policy Project, which is affiliated with the Institute for Middle East Understanding (IMEU). Ahmed Moor is a Palestinian-American writer born in Gaza. He is an advisory board member of the US Campaign for Palestinian rights, co-editor of After Zionism (Saqi Books) and is currently writing a book about Palestine. He also currently serves on the board of the Independence Media Foundation. His work has been published in The Guardian, The London Review of Books, The Nation, and elsewhere. He earned a BA at the University of Pennsylvania and an MPP at Harvard University. Original music by Jalal Yaquoub.
Building public trust is critical for nonprofits, especially in health and science communication. In this episode, Matt Lam from The American Association of Immunologists shares how his organization is embracing new communications strategies—like leveraging partnerships and taking calculated risks—to expand their impact and combat misinformation around immunology topics. Whether you're navigating trust-building with your audience or pitching new ideas internally, this episode offers actionable insights for nonprofit communicators. About the guest Matt has worked in communications since 2013 after transitioning away from the lab bench following completion of his Ph.D. in the field of cancer cell biology. Since then, he has worked primarily in the non-profit sector in the UK helping organizations tell inspiring stories and research and the impact it has on society. Matt has also spent time working for a government regulator in Scotland to deliver public and government facing communications. In 2024, Matt moved to the US with his partner, and currently works at the American Association of Immunologists as their Communications Director. At AAI, Matt leads a team of two to deliver communications for AAI's membership, the public and the wider community connected to the organization. Resources Asana: https://asana.com/Muck Rack: https://muckrack.com/ Contact Matt Website: https://www.aai.org/Email: mlam@aai.orgLinkedIn: https://www.linkedin.com/in/matt-lam-phd-52998b70/
OPEN HEAVENSMATALA LE LAGI MO LE ASO SA 2 FEPUARI 2025(tusia e Pastor EA Adeboye) Manatu Autu: E Puipui E Le Atua (God Protects) Tauloto -Tusi Paia–Salamo 121:7 ”E leoleo e le ALI‘I ‘iā te oe i mea leaga uma lava; e leoleo mai o ia i lou agaga.”Faitauga – Tusi Paia – Salamo 91:1-16O lo'u Atua, o lona suafa o le Afi Ma'ama'ai (Eperu 12:29). Peitai na te lē faaumatia lana fanau a'o o latou fili. E fuā tele le finagalo o le Atua pe a osofaia e ‘au a le fili lana fanau. E faamautinoa e lē Atua e fa'atā'ape'apeina le fili ma sosola i ala eseese e fitu (Teuterenome 28:25). Na folafola e le Atua na te puipui ia te oe, e leai so outou lauulu e tasi e paū (Luka 21:18).Faapenei o'u te lē o ola i le aso lenei pe ana lē o se tamā faitama lo'u Atua, ma e mafai ona o'u faamatala atu ia te oe le tele o taimi na ia laveaiina ai a'u mai puapuaga semanū e fano ai. Ina ua matou omai ma lo'u aiga matou te nonofo I le nofoaga ua avea nei ma Aai o le Togiola, sa maua solo gata i so'o se vaega o le fanua. O nisi o ia gata, oka se lapopoa e mafai ona tumu ai tua o se taavale Mercedes Benz. Ou te manatua le tasi aso na o'u alu atu ai i totonu o le potu o la'u fanau ma maua ai se gata. Ou te lē iloa tonu pe aisea na o'u alu ai i le potu; pau le mafuaaga o'u te mautinoa na ta'ita'iina a'u e le Atua o'u te alu auā e finagalo ia malu puipuia la'u fanau.E puipui fo'i le Atua ia te oe mai malosiaga fa'aleagaga. E tele nauā taimi na taumafai ai le tiapolo e osofa'i ia te a'u, aemaise lava pōpō fou o la'u galuega ina o fa'ato'ā fa'aa'oa'o ma fa'amasani e fa'ato'ilalo le tele o osofaiga mai le mālō o le pouliuli. O le isi aso a'o fai la matou sauniga o le Agaga Paia, sa i ai ni faataulaitu se toalua i le potopotoga sa taupulepule e osofa'i ia te a'u. Sa faapea atu le tasi I le isi, “O le taimi lenei; ia ta osofa'i loa I le taimi nei.” E ui e afe ma afe tagata sa auai I le sauniga, na tatala e le Atua la'u faalogo, ma ou lagona lelei ai a la faamatalaga. Sa ou taofi I le taimi lea le sauniga ma fai atu i faataulaitu e omai I fafo pe afai e lē manana'o e o'o iā i laua le toasa o le Atua. Na fa'ateia tagata uma ina ua omai i laua ma ta'utino lo la sesē. Pe ana lē seanoa le Atua na faailoa nei mea ia te a'u, semanū e ese se taunuuga e tupu.Afai o oe o se atali'i poo se afafine o le Atua, e tatau ona e savali i le mautinoa o lana puipuiga I ou luga. Aua e te fefe I ū fanafana a le fili, e lē mafai ona latalata mai ia te oe auā o loo puipui lou Atua ia te oe. Ua ou matua'i malamalama ma mautinoa I le puipuiga ma le fa'amalumaluga a le Atua i o'u luga, afai o'u te savali ma tu'ia lo'u vae i se ma'a, o le a o'u tepa i le Atua ma faapea, “Lē Alii e, talosia ou te le'i fa'atigā ia te oe i so'ose ala. Afai ua ou sesē faamolemole faamagalo ia te a'u.” E te faia faapea auā fai mai lana upu, E auina mai e ia ana agelu e tausi ia te oe; ne'i tu'ia lou vae i se ma'a (Salamo 91:11). I le suafa o Iesu, Amene.
Mt. Iliamna is an active cone-shaped volcano located one hundred and forty miles (225 km) southwest of Anchorage and seventy miles (113 km) northwest of Homer. It is part of the Chigmit Mountains and rises from its base near Cook Inlet to 10,016 feet (3052.9 m), one of the highest peaks in the volcanically active area of the Alaska Peninsula. Ten glaciers radiate from the volcano's slopes. Iliamna last erupted in 1867, and observers have occasionally seen smoke wafting from the summit since then. However, it is the weather surrounding the mountain, not the volcanic activity, that makes Iliamna dangerous. Clouds frequently cloak the mountain's peak, and turbulent winds buffet this mountainous region, creating some of the most hazardous weather on the planet. Coastal fog and rain often create restricted visibility and a low ceiling. For aviators, flying in this area of the state can be challenging, dangerous, and sometimes deadly. Between 1958 and 1977, four mid-sized planes either crashed into Mt. Iliamna or were destroyed by the turbulence near the mountain, killing a total of seventy-nine people. Sources: Abbott, Jeanne. “No survivors found at site of plane crash.” September 9, 1977. Anchorage Daily News. “Clouds, rain hinder search.” February 14, 1977. Anchorage Daily News. “Ground party will investigate wreck of C-54 at Iliamna.” December 27, 1958. Anchorage Daily News. “Halt attempted to recover airmen on Mt. Iliamna.” December 29, 1958. Anchorage Daily News. Liefer, Gregory P. Aviation Mysteries of the North. “Cleared as Filed.” 2011. Anchorage, AK. Publication Consultants. Liefer, Gregory P. Broken Wings. “Turbulence Over Pedro Bay.” 2014. Anchorage, AK. Publication Consultants. Liefer, Gregory P. Broken Wings. “An Accumulation of Errors.” 2014. Anchorage, AK. Publication Consultants. “Mt. Iliamna crash hearing to open today.” November 9, 1977. Anchorage Daily News. “Mt. Iliamna – Where 15 Alaska airmen died.” December 27, 1958. Anchorage Daily News. “Pilots, AAI blamed for crash.” May 5, 1978. Anchorage Daily News. “Plane wreckage is identified as missing C-54.” December 26, 1958. Anchorage Daily News. Porterfield, Bob. “AAI crash probe opens.” November 10, 1977. Anchorage Daily News. Porterfield, Bob. “Federal findings show AAI plane's violation.” October 22, 1977. Anchorage Daily News. Porterfield, Bob. “Iliamna crash – why?” October 1, 1977. Anchorage Daily News. “Rescuers held off crash site.” September 8, 1977. Anchorage Daily News. Weller, Robert. “Controller at fault in air crash?” February 15, 1977. Anchorage Daily News. _______________________________________________ Join the Last Frontier Club's Free Tier ___________________________________________________________ The Crime is More Horrible Than You Can Imagine! _________________________________________________________________________ IF YOU ENJOY LISTENING TO YOUR NOVELS, CHECK OUT THE AUDIOBOOK VERSION OF MASSACRE AT BEAR CREEK LODGE ________________________________ Robin Barefield lives in the wilderness on Kodiak Island, where she and her husband own a remote lodge. She has a master's degree in fish and wildlife biology and is a wildlife-viewing and fishing guide. Robin has published six novels: Big Game, Murder Over Kodiak, The Fisherman's Daughter, Karluk Bones, Massacre at Bear Creek Lodge, and The Ultimate Hunt. She has also published two non-fiction books: Kodiak Island Wildlife and Murder and Mystery in the Last Frontier. She draws on her love and appreciation of the Alaska wilderness as well as her scientific background when writing. Robin invites you to join her at her website: https://robinbarefield.com, and while you are there, sign up for her free monthly newsletter about true crime in Alaska. Robin also narrates a podcast, Murder and Mystery in the Last Frontier. You can find it at: https://murder-in-the-last-frontier.blubrry.net Subscribe to Robin's free,
On today's AAI podcast, Marc is joined by I.S. Berry (@isberryauthor) of The Peacock and the Sparrow fame. They discus the current Syria crisis, life as a case officer witnessing the Arab spring, and Berry's jump into literary super stardom. Learn more about your ad choices. Visit megaphone.fm/adchoices
On today's AAI podcast, Marc is joined by I.S. Berry (@isberryauthor) of The Peacock and the Sparrow fame. They discus the current Syria crisis, life as a case officer witnessing the Arab spring, and Berry's jump into literary super stardom. Learn more about your ad choices. Visit megaphone.fm/adchoices
OPEN HEAVENSMATALA LE LAGI MO LE ASO TOONAI 9 NOVEMA 2024(tusia e Pastor EA Adeboye) Manatu Autu: Taofi Mau Lau Fa'aaliga 1 (Hold Fast To Your Vision 1) Tauloto -Tusi Paia–Sapakuka 2:2 “Ua tali mai fo‘i le ALI‘I, ‘iā te a‘u, ‘ua fa‘apea mai: ‘Ia e tusi le fa‘aaliga, ‘ia e togitogi i papa, ‘ina ‘ia momo‘e o ia lē na te faitauina.”Faitauga – Tusi Paia –1 Korinito 9:24-27Ua tusia I le Faataoto 29:18 e fano tagata pe a leai se faaaliga. Afai o se uso e leai se faaaliga e fai ma ona ta'iala o le lumana'i e ola so'ona fai o ia ma e ono i'u I le malaia. I le tatou Tusi faitau o le asō, fai mai Paulo sa i ai lana tini sa tuli, ma o le pogai lea na ia fai ai ma pologa lona tino. A ou vaai I le soifuaga o aso uma o se uso, e mafai ona o'u iloa ai pe i ai sana miti pe leai.Ou te manatua se taimi o le 1980 ina ua lata ina uma sa'u anapogi mo le 40 aso, ma sa asiasi atu se faifeau i lo'u ofisa. E alu atu le faifeau o o'u taoto i luga o se fala ona ua vaivai le tino i le lē ‘ai i le silia ma le masina. O le taimi lea ua i ai se fale tele o le RCCG e tusa ma le 100 mita le umi 50 mita le lautele. Ina ua vaai mai la le faifeau ia te a'u i le tulaga sa o'u i ai, sa fai mai, “Aisea ua e soona anapogi ai o lenā ua ia te oe le fale aupito sili ona telē i totonu o AferIka? O le a se isi mea o e saili?” Ou te le'i tali i le uso faifeau auā e lē o mafai ona ia iloa la'u miti. Ia te ia ua o'u taunuu i le tumutumuga o manuia, peita'i o a'u o loo o'u miti i se fale e pei o le tele o se aai ma sa o'u manaomia ona faapologa lo'u tino ia maua ai la'u faaaliga.O Iosefa sa ia iloa le lumanai, ma o le mafuaaga lea o le fai mai o le tusi o Kenese 39:1-12; ina ua fai atu le avā a lona matai ia Iosefa la te momoe na fai i ai, “e lē mafai ona o'u faia se mea leaga ma o'u agasala ai i le Atua o lē na aumai ia te a'u miti faatatau i lo'u lumana'i. Ou te iloa o loo i ai polokalame a le Atua mo a'u ma e tatau ona ou ola usita'i ma pulea.” Fai mai le Eperu 12;2; na onosaia e Iesu le satauro ona o le olioli sa tu'u i ona luma, o le olioli o le vaai i agaga e tele ua toe faalelei ma le Atua.O le toatele o o'u aiga ma uo sa manatu ua leaga lo'u ulu ina ua o'u ave lo'u aiga i ni tausaga ua mavae ma matou nonofo i le nuu ua tāua nei o le Aai o le Togiola. Sa o latou fai mai, “E faafefea e oe o se faiaoga sinia i se Iunivesite, ma sa nofo i se fale tele ma matagofie ona e ave lou aiga i lenei togavao e leai se eletise?” Pau le vaaiga na o latou iloa o se vaomatua, peita'i na o'u iloa atu se aai. I le Eperu 11:8-10; fai mai o Aperaamo sa nofo i faleie aua sa ia faatalitali atu i se aai ua faavae ina, o lona mataisau ma le tufuga o le Atua lea.O le a se vaaiga o loo e faatalitali i ai mo lou lumana'i? O faafefea ona e soifua I le asō ina ia taunuu ai lau miti? Afai o i ai moni sau faaaliga mo lou olaga, o le faaaliga lenā e tatau ona ta'ita'ia oe e te ala pea a'o momoe uma isi ma faamalosi pea ina ua faavaivai ma musuā isi. Aua ne'i leiloa I lau vaai lau miti o lou lumana'i; taula'i lau vaai I le Atua, o le na te amataina ma fa'aatoatoaina lou faatuatua (Eperu 12:2). O atagia i lou soifuaga o aso uma o i ai se faaaliga tele o e tulimata'i ma fa'atalitali i ai mo lou olaga? I le suafa o Iesu. Amene.
Our guest this week is 5th year senior for Oklahoma Audrey Davis, who is a 4x NCAA Champion, a 7-time All-American, and a finalist for the AAI award in 2024. Audrey is here to talk about how the team is overcoming the disappointment of not advancing to the NCAA final last season and her goals for her final season of gymnastics. We also talk how she feels about her team joining the SEC, what it was like to break the NCAA team record last season, chasing perfection, and so much more. Thank you to our monthly Patreon supporters: Bethany J, Maggie, Tamar K, Susan P, Kaitlin, Je_GL, Katertot, Abbe Clark, Maria D, Chuck C, Cameron L, Jamie S, Dana B, Taryn M, Lynn G, Katie H, Thiago, Libby C, Lisa T, Cathy D, Amanda, Emily C, Betny T,, Laura R, Marni S, Kentiemac, Diane J, Robert H, Hayley B, Christina K, Marissa G, Alicia O, Maria P, Erin S, Lidia, Kelsey, Mama T, Dana, Alex M, Jenna A, ML, Lela M, Kimberly G, Sharon B, Catherine B, Martin, Jasmine C, Emily B, Derek H, M, Kerry M, Faith, Cathleen R, Becca S, Maria L, Amy C, Erica S, Semflam, Katie C, Christa, Cookiemaster, & Lee B! You guys rock! 2026 Recruit Tracker: https://docs.google.com/spreadsheets/d/1mayqNZX0QHue0gLDpxxzxsMk_T5_lGwKD2VOIfIoF6E/edit?gid=1972996470#gid=1972996470 Become a Patreon or submit a question for Question of the Week: https://linktr.ee/allthingsgympod?fbclid=PAAaYPgrew5mXGTEa1N7Uv8ZzvvDTD30OO6RKqWWajXDC0zi2GwnMqpksEdkg_aem_ASd4Gmq7rltK9DjXidnG9Aef3XLAnvS_BEpsKe80BWBvBm8aac_caQDVi8jrnvh7BYQ Send us a voice message! https://podcasters.spotify.com/pod/show/all-things-gymnastics/message Join the gymnastics Discord: https://discord.com/invite/rTNmXUsYTU If you are a current or former athlete concerned about emotional, physical, or sexual abuse and are in need of support visit athletehelpline.org or text/call 1-888-279-1026 --- Support this podcast: https://podcasters.spotify.com/pod/show/all-things-gymnastics/support
The Transformative Impact of AI on Customer ServiceIn a recent episode of our podcast, we delved into the transformative role of artificial intelligence (AI) in customer service, particularly within contact centers. Our guest, Kerry Robinson, the Vice President of Conversational AI at Waterfield Technologies, shared invaluable insights into the advancements in AI technology and its implications for businesses. This blog post will break down the key points discussed in the episode, providing actionable advice and thorough explanations to guide listeners and readers alike.Kerry Robinson shares their long-standing involvement in AI, dating back to their childhood, and reflects on the evolution of AI over the decades. They emphasize that the last two years have marked a significant turning point in AI capabilities, moving beyond previous hype cycles to a point where AI can genuinely exhibit forms of intelligence that can be leveraged in practical applications. Modern AI can hold conversations, summarize information, translate languages, and solve complex problems, which are being applied in real-world scenarios, revolutionizing workplaces and personal lives.The conversation shifts to the specific applications of AI in contact centers, where Waterfield Technologies operates. Kerry notes that the contact center industry has historically faced challenges related to staffing and operational efficiency. They point out that many tasks currently outsourced to human agents could be more effectively managed by AI technologies. For instance, Klarna, a financial services company, successfully automated 70% of its customer interactions using AI, improving efficiency and resulting in higher customer satisfaction compared to interactions with human agents.About Kerry Robinson:Kerry Robinson is the VP of Conversational AI at Waterfield Tech, a leading global provider of CX technology and services. With over 20 years of experience in data, AI, and customer experience, Kerry expertly navigates the realms of IVR, voice technology, and chatbots to maximize business ROI. As the former CEO and builder of VoxGen, which was successfully acquired, he brings a wealth of knowledge and innovation to his role. An Oxford-trained physicist with a Master's in AI, Kerry is a relentless seeker, master builder, and devoted creator of impactful experiences. His unique blend of technical prowess and strategic vision keeps Waterfield Tech at the forefront of conversational AI.About Waterfield Tech:Waterfield Tech is a global customer experience tech and services provider spanning the leading CCaaS, conversational AI, and WEM platforms.Waterfield Tech transforms experiences for organizations worldwide. Operating across six continents, our employees leverage a consultative, client-centric approach to design, build, and manage scalable, omnichannel and AI-enabled business solutions. Our breakthrough innovations in contact center technology, applied artificial intelligence (AAI), workforce engagement, and secure digital infrastructure reduce business costs, improve customer satisfaction, and help customers deploy a smarter utilization of the human workforce. Apply to be a Guest on The Thoughtful Entrepreneur: https://go.upmyinfluence.com/podcast-guestLinks Mentioned in this Episode:Want to learn more? Check out Waterfield Tech website athttps://waterfieldtech.com/Check out Waterfield Tech on LinkedIn athttps://www.linkedin.com/company/waterfield-technologiesCheck out Kerry Robinson on LinkedIn at
On this episode of Ruled by Reason, Emily Bridges of the Food and Agriculture Impact Project has a wide-ranging discussion with antitrust scholar Peter Carstensen about the role of information exchange in restricting competition in agricultural markets, focusing on how the DOJ's case against Agri-Stats addresses that threat. After covering the oligopolistic nature of many agricultural markets (2:45), the two do a deep dive on why information exchange can be so harmful to competition (11:04). Professor Carstensen explains how the law on information exchange has evolved and how that history has led to unfortunate ambiguity about the applicable standard (17:10). Professor Carstensen then explains why information exchange has been a particular problem in agricultural markets. He describes how recent cases in this area, including both private actions and the DOJ's case against the information aggregator, Agri-Stats, can play an important role in clarifying and strengthening enforcement against unjustified information exchanges (27:20). The discussion concludes with some thoughts about what we can expect from current trends in litigation over illegal information exchanges (48:50). Emily Bridges is a Research Attorney for the LL.M. Program in Agricultural and Food Law at the University of Arkansas School of Law, working with the Food and Agriculture Impact Project. Emily received a JD and an LL.M. in Agricultural and Food Law from the University of Arkansas School of Law. The Food and Agriculture Impact Project works with faculty, students, organizations and other educational institutions to provide policy and legal research, analysis and education, supporting the farm and food community with educational resources. Peter Carstensen is Professor Emeritus at the University of Wisconsin Law School and a Senior Fellow and Advisory Board Member at AAI. He previously served in the Antitrust Division at the Department of Justice. Professor Carstensen received the 2024 Alfred E. Kahn Award for Antitrust Achievement, presented by AAI in recognition of his outstanding contributions to the field.
In this episode of Ruled by Reason, guest host Leslie Marx, the Robert A. Bandeen Distinguished Professor of Economics at Duke University's Fuqua School of Business, sits down with Professor Florian Ederer to discuss his award-winning article, Common Ownership, Competition, and Top Management Incentives, 131 J. Pol. Econ 1294 (2023). Professor Ederer is the Allen and Kelli Questrom Professor in Markets, Public Policy & Law at Boston University's Questrom School of Business. His article, co-authored with Professors Miguel Antón and Mireia Giné of the IESE Business School and Martin Schmalz of the University of Oxford Saïd Business School, won the 22nd Annual Jerry S. Cohen Memorial Fund Writing Award, presented on May 22 at AAI's 2024 Annual Policy Conference, New Thinking on the Antitrust Treatment of Collective Action: Organized Labor, Countervailing Power, and Algorithmic Price Setting. The article helps explain the existing empirical evidence on the anticompetitive effects of common ownership and meaningfully advances our understanding of the underlying theory behind the effects. Among other things, Professor Marx and Professor Ederer discuss the theoretical and empirical background behind the theory of anticompetitive effects from common ownership (5:06), the mechanism by which common ownership actually leads to anticompetitive effects, notwithstanding that top managers and their delegees (rather than investors) control firms (12:13), and the implications of these findings for enforcers, policymakers, and future research (26:09). Antitrust scholarship that is considered and selected for the Jerry S. Cohen Award reflects a concern for principles of economic justice, the dispersal of economic power, the maintenance of effective limitations upon economic power or the federal statutes designed to protect society from various forms of anticompetitive activity. Scholarship reflects an awareness of the human and social impacts of economic institutions upon individuals, small businesses and other institutions necessary to the maintenance of a just and humane society–values and concerns Jerry S. Cohen dedicated his life and work to fostering.
Join Peggy Hoyt as she converses with Taylor Chastain Griffin, executive director of the Association of Animal Assisted Intervention Professionals, and national director of AAI advancement for Pet Partners. Discover why cats are emerging as promising therapy animals. Learn how Pet Partners is working to expand access to animal-assisted therapy.Support the Show.
In this episode of Ruled by Reason, AAI goes international! Enforcers from the U.S., New Zealand, UK and Chile talk with Kathleen Bradish, Vice President and Director of Legal Advocacy, about their agencies' cross-border work to stop price-fixing cartels. Leah McCoy, Juan Correa, Louise Baner, and Grant Chamberlain, whose agencies are heading up the International Competition Network's Cartel Working Group, tell us about the important role of the CWG in advancing cross-border enforcement and give us a preview of some of CWG's exciting new projects. These include initiatives that reflect on-going, long-term concerns of international enforcers, like improving international cooperation and addressing obstruction. Other projects address emerging challenges like the specter of algorithmic collusion and the effect of complex networks of privacy laws on evidence collection. Our conversation concludes with Chile's and New Zealand's perspective on how ICN, and the Cartel Working Group in particular, can aid newer and smaller agencies.
OPEN HEAVENSMATALA LE LAGI MO LE ASO TOFI 7 MATI 2024 Manatu Autu: O le mafuaaga o le faauuga - (The purpose of the anointing) Tauloto – Luka 4:18 “Ua i o‘u luga le Agaga o le Ali‘i, auā ‘ua nā fa‘au‘u mai ‘iā te a‘u e folafola le tala lelei i ē matitiva.‘Ua ‘auina mai a‘u e ia e fa‘amālōlō i ē loto momomo, e tala‘i le sa‘olotoga i le tāfeaga, ma ‘ia pupula mata o ē tauaso,e tu‘u sa‘oloto i ē ‘ua fa‘asauāina,....” Faitauga - Tusi Paia: Isaia 61:1-3 Upu FolafolaI le faitauga o le Tusi Paia o le asō, o lo'o faapea mai le Tusi Paia o le mafuaaga muamua o le o'o mai o le Agaga ole Alii ia te oe o le talai o le talalelei. Fai mai le Galuega 1:8 ‘Ae peita‘i o le a maua e ‘outou le mana, pe ā afio ifo le Agaga Pa‘ia i luga ‘iā te ‘outou; e fai fo‘i ‘outou ma molimau ‘iā te a‘u i Ierusalema ma Iutaia uma lava, ma Samaria, e o‘o lava i le tulu‘iga o le lalolagi.” Fai mai le Atua, ‘e le mafai ona avea oe ma molimau ia te ia I le mafanafana o lou fale po'o se faapotopotoga, e tatau ona e alu atu mai Ierusalema I Iutaia, ma Samaria seia o'o I tuluiga uma o le lalolagi. O le faauuga, e le faaaogaina na o totonu o lou atunuu, e faaaoga foi mo le talaiga o le talalelei I fafo atu seia oo I le tuluiga o le lalolagi. O le mafuaaga lea ou te ofo ai pe a ou vaai I faifeau e le mafai ona o atu I fafo atu o lo latou siomaga mafanafana e talai le talalelei, o faifeau e na o le lauga lava i a latou aulotu ma Ekalesia, o nofoaga e fiafia ma filemu ai. E latou te lē manatu I le lalolagi atoa, ae peiseai ua manatu, e le o se latou pisinisi pe a o tagata I seoli. Afai e faauuina oe, o lau galuega muamua o le talai I tagata o lo'o tou faatasi ona faasolo atu lea I tagata latalata ane seia oo I tuluiga o le lalolagi. A e alu atu ma talai le talalelei, o le a e iloa ai o lo'o toatele pea tagata o le lalolagi e latou te lē iloa Keriso. A e savali I totonu o le nofoaga tutotonu e taua o le ‘Aai o Togalauapiga' I Nigeria, e te vaaia ai fu'a e faaalia ai ata ma igoa o atunuu e lei mafai ona oo atu iai le talalelei ia Iesu Keriso. E faia lea ma faamanatu iai tatou e lei valaauina I tatou e tumau I tatou nofoaga mafanafana, ae e tatau ona tatou o atu e manumaloina agaga mo le Alii. Ua 82 nei ou Tausaga, tusa po'o le a lo'u matua e lei taofia ai lou alu atu I soo se nofoaga e talai le talalelei aua ou te iloa lelei o le mafuaaga muamua lea na faauuina ai a'u e le Atua. Ua ou oo I atunuu e toatele tagata o le lalolagi latou te le iloa e iai ni atunuu faapea. O le mafuaaga e toatele ai faifeau talavou e tulai mai ma pauu, ona ua latou maua le faauuga ae filifili e nonofo I o latou nofoaga o lo'o filemu ai. Le au pele e, ua tele le seleselega ae ua toalaiti le au faigaluega. E avanoa mai ea lou tagata? Ia e alu atu ma galulue ma lou Tama I le lagi aemaise i le taimi o lo'o e talavou pea. O le a le mea o lo'o e faia I le faauuga a le Atua I lou olaga? I le suafa o Iesu, Amene.
Dr. Zack Bein is a psychologist in the Dan Brown/David Elliott lineage of clinicians who believe strongly in the “3 pillar” approach to healing relational difficulty in adults. I also have clinical experience with substance abuse/dependence, anxiety disorders, mood disorders, impulse-control disorders, psychotic disorders, and several personality disorders. His research is in mindfulness treatments for addiction and posttraumatic symptoms. At the University of California, Berkeley, Zack worked in the schizophrenia lab, examining the relationship between memory, emotions, and negative symptoms in patients with schizophrenia.His approach to therapy is integrative, considering elements from a variety of theories and modalities, as well as evidence-based practices. Some of these include Attachment Theory, mindfulness-based interventions, Humanistic/Existential Therapy, Narrative Therapy, Cognitive-Behavioral Therapy, Trauma-Focused Cognitive-Behavioral Therapy, Seeking Safety, Acceptance & Commitment Therapy (ACT), Three Pillars Therapy and the Ideal Parent Figure (IPF) Protocol.He is trained in administering and scoring the Adult Attachment Interview by Howard and Miriam Steele at the New School in Manhattan. The AAI is the gold standard assessment of attachment styles in adults.Dr. Bein also works closely with David Elliott, Ph,D, the co-creator of the model, to teach the 3 Pillar Model to clinicians, therapists, coaches, who wish to incorporate healing of attachment disturbances in their work. Zack is authored of an upcoming chapter in “Clinical Applications of the AAI, Part 2,” in which he details how the Three Pillars therapist uses the AAI in an ethically minded way to inform the work.
Hosts Chandra and Paul start with a tribute to a valued member of the JDE Community, Andy Klee. Continuing with Andy's passion of education, they discuss a variety of topics focused on JD Edwards (JDE) terminology and its applications, making it a valuable listen for newbies and veterans alike in the JD Edwards community. Encouraging the audience to play along with a game of Lingo Bingo, they cover terms like, Fastpath, Batch and Interactive Versions, Processing Options, Data Dictionary, Notifications and much more. Throughout the episode, the hosts share several insights regarding topics like the importance of UDCs, the personalization capabilities with UDOs, and details on JDE releases, updates and ESUs. Finally, in an attempt to help their audience fill their bingo boards, they rattle off a series of common JDE acronyms including, SIGs, RUGs, AAI, DMAI, JSI, UOM, OGL, UPK, LMS, and MOS? If you want to deepen your understanding of JD Edwards and enjoy some laughs along the way, don't miss this episode!00:00 Tribute to Andy Klee 04:00 Play JD Edwards lingo bingo, have fun! 10:16 Use watchlist and notifications for smooth operations. 13:58 Form control elements. 15:01 Form types have consistent elements. 18:18 Troubleshooting user issues with report execution details. 23:19 Data dictionary defines and controls system attributes. 25:09 User Defined Objects are empower JD Edwards customers. 29:58 CNC terms, tools and concepts 32:14 Cross reference is valuable for indentifying data usage. 36:37 Unit of measure, the primary unit is important. 38:30 My Oracle support provides various useful resources. 41:44 Midwesternism of the Day!
Salama vive en el Aaiún, uno de los campamentos de refugiados saharauis al sur de Tinduf, en Argelia. Su nueva pasión es un huerto. Un huerto en el desierto para qué una cosecha para él y su familia La otra cosecha, la política, lleva años siendo muy mala para el pueblo saharaui. La puntilla es que España, antigua administradora colonial de sus tierras, les está abandonando: el gobierno español ha dado un giro histórico pasándose al bando marroquí en el conflicto. La solución sigue lejos. Mientras, 200.000 personas esperan en un campamento de refugiados. Construyendo casas que no tengan muchos cimientos, y cultivando nuevas ideas. Como hace Salama hace en su huerto. *** Hazte socio de elDiario.es y llévate un año gratis de Podimo, la plataforma de podcast y audiolibros. Todos los detalles en elDiario.es/podimo *** Envíanos una nota de voz por Whatsapp contándonos alguna historia que conozcas o algún sonido que tengas cerca y que te llame la atención. Lo importante es que sea algo que tenga que ver contigo. Guárdanos en la agenda como “Un tema Al Día”. El número es el 699 518 743. See omnystudio.com/listener for privacy information.
On this episode of Ruled by Reason, we explore the ramifications of the Google search case from a unique perspective—the rival search engines that have been directly affected by Google's alleged monopolistic conduct. As the antitrust world eagerly awaits a decision this spring, AAI's Kathleen Bradish interviews DuckDuckGo's Kamyl Bazbaz, VP of Communications and Public Affairs, about his impressions of the recently argued case. This episode unpacks how Google's conduct, including “marathon” sized payments to OEMs to ensure default status, cuts rivals off from major access points and stymies customer choice. Bazbaz weighs in on the potential remedies that could help restore competition to search and improve customer's online experience.
Dr. Akiko Iwasaki is the Sterling Professor of Immunobiology and Molecular, Cellular, and Developmental Biology at Yale University and President of the American Association of Immunologists (AAI), and Dr. Aimee Bernard is an Assistant Professor of Immunology and Microbiology at the University of Colorado. Dr. Iwasaki has a very active presence on X, where she shares about COVID-19 research. Dr. Bernard is also active on social media through her TikTok account, and co-hosts a podcast, Help! Make It Make Sense. In this episode, they discuss the importance of communicating science to the public and strategies for social media. They also talk about how the AAI is working to share immunology knowledge with non-scientists through Immunology Explained.
This week we are heading to Kansas City to chat with one of the legacy injectors, a real OG, who has been part of our industry for more than 2 decades, Georgia Cirese, RN, CANS. Georgia began her journey in a Plastic Surgery office, pre-Botox, and found her niche in the science and artistry of injecting. She worked in a dermatology clinic for years after, but she felt the entrepreneurial pull 4 years ago when she opened Georgous Aesthetic Bar. Situated in the high-end Country Club Plaza in KC, she and her daughter have collaborated to build a world-class medspa that focuses on exceptional outcomes and patient experience. Georgia is part of the founding group of injectors who came together 20+ years ago to, in her words, slay the jungle of aesthetics. With little training and an even smaller portfolio of products, that veteran cohort of injectors laid the foundation for what would become a thriving industry decades later. Georgia was exactly where she needed to be when the Botox brand took off- she was assisting Dr. Jerome Lamb, a plastic surgeon in KC, in the OR as he performed face lifts and other aesthetic procedures. Her surgical knowledge coupled with her own experience from her first Botox injections were the catalyst for her career. She understood the artistry, the anatomy, and she knew a gentle touch was a necessity if patients were going to want to come back! She enrolled in an Aesthetic Advancements course early on which helped to build the necessary skills to really thrive. Now she's a trainer for the organization and has been for many years. It had a positive impact on her learning journey, and she's paying it forward. Catching up to modern day, Georgia is a well-known national trainer for Allergan and AAI, and she's been on podiums throughout the industry. Looking back on where she started, she talks about the rise in influence of the medspa and the “non-core” injector and what it means to be faculty on podium and to be the respected expert in the room. That hasn't always been the case Those are stripes she has definitely earned with years and years of practice, mentoring and training others, and acting as an advisor to the industry. This year she was appointed to the board at ISPAN – a full circle moment. She was one of the original nurses to earn the Certified Aesthetic Nurse Specialist designation. Over the last several years, ISPAN has worked diligently to get the CANS certification recognized as a true board certification, and they've done it! As that organization expands to include more nurses and hopefully other licensures as well, Georgia is in a position to continue her advocacy of industry-wide standards and regulations to create a safer and better skilled specialty. As an entrepreneur, she's busy building her business with continued growth, including being named a top 10 Allergan account in Missouri. More than 50% of her patients come from word of mouth, and it's not surprising when you hear her talk about her staff and the investment in hiring the right people to fit her culture. She's creating a unique experience for patients through her team, and it's her careful hiring and onboarding process that ensure it's sustainable. She has her daughter as her right hand managing the business operations and marketing. Together, they have created a practice that is as well known for Georgia's incredible skill as it is for that of her Providers. As Georgia continues to train, she doesn't discount her own need to constantly learn and evolve. After 20 years in aesthetics, thousands of patients, and more injections than one can imagine, she's still eager to constantly improve…..THAT is why she's still slaying the jungle and remains one of the most respected injectors two decades later! Learn more about Georgia: https://georgouskc.com/ Follow her on Instagram: https://www.instagram.com/georgousinjections/ Follow GAB on Instagram: https://www.instagram.com/georgouskc/
More on Tricia Montgomery Tricia is the founder of Moose's March, Inc., a nonprofit organization dedicated to early detection of pet cancer and to provide support and resources to pet families. Learn more at www.moosesmarch.com. More on Taylor Chastain Griffin, PhD and Meghan Knoff Taylor is the national director of AAI at Pet Partners and Meghan is the CEO of Cat Person company. Their two organizations teamed up to create a new cat-human bond study. Learn more at www.petpartners.org and www.catperson.com. Learn more about your ad choices. Visit megaphone.fm/adchoices
Cameron Dawson, Newedge Wealth Chief Investment Officer, says that signs of a recession will come from the market, not the Fed. Bill Dudley, Former NY Fed President & Bloomberg Opinion columnist, expects central banks to introduce digital currencies amid disarray in the crypto sector. Mike Mayo, Wells Fargo Senior Equity Analyst, says AI can take the relationship between banks and technology to another level. Katy Kaminski, AlphaSimplex Chief Research Strategist, says she's concerned about the risk-on rally in the bond market. Norman Roule, Center for Strategic & International Studies Senior Adviser, breaks down the latest on the Israel-Hamas war amid the release of more hostages from Gaza. Get the Bloomberg Surveillance newsletter, delivered every weekday. Sign up now: https://www.bloomberg.com/account/newsletters/surveillance Full transcript: This is the Bloomberg Surveillance Podcast. I'm Tom Keane, along with Jonathan Farrow and Lisa Abramowitz. Join us each day for insight from the best and economics, geopolitics, finance and investment. Subscribe to Bloomberg Surveillance on demand on Apple, Spotify and anywhere you get your podcasts, and always on Bloomberg dot Com, the Bloomberg Terminal, and the Bloomberg Business app. Cameron Dawson tear eyed over the quality of that data. Check Cio of New Edge Wealth joining us right now. What's your conviction the next year? I'm talking about you need to get conviction. Now, do you have a lot of conviction? I think that we have to judge as we go into the end of the year when we look at where we in the year with positioning and sentiment and valuations and earnings expectations, because if we get to a point where those things are stretched, where people have been drawn into the market, everybody chases the market into a rallying to the year end, that's when you probably want to start asking questions of how sustainable or durable is We learned that lesson really powerfully this year in the opposite direction. People were underweight, valuations had come in, positioning was very light, and that set up for a very powerful year this year. One really difficult thing for a lot of people is to get two things right. Won the call on the economy and to what the economy means for financial markets. I was looking at Deutsche Bank's call yesterday least when I were going back and forth on this, They've got recession one hundred and seventy five basis points of cuts. Then bink chat is saying fifty one hundred on the SMP. Is good news bad news? Or is bad news good news? What is it? I mean, it's sort of that I want it all and I want it now kind of mentality, which is that I want a FED that's supportive, and I want an economy and earnings that are going to be growing very strongly. And I have to think that we need to ask the question of if a strong economy and strong earnings are consistent with having FED rate cuts and a recession, and if we can have both at the same time, meaning that if the FED is cutting rates, can we really grow earnings at twelve percent next year? Do we actually have the potential that we could have a third year in a row of earnings being closer to flat. If we have a recession. Well, this is John Sulfis basically saying people think we're late cycle, we're actually mid cycle. That if the Federal cuts rates is just sort of a mechanical year over year trying to adapt restrictiveness to inflation, and that that will pave the way for companies to continue to evolve, particularly in the consumer cyclicals. Thoughts. Yeah, it's interesting. You go back to the times when the Fed cut rates and we didn't have a recession ninety five, ninety eight, and twenty nineteen. What's interesting is that the Fed was actually very fearful of a recession in each of those times. They talked about the US not being an island. What's interesting is that the market wasn't scared of a recession. There was no impact to earnings. You had the market hitting all time highs as they were cutting rates. So I think we have to take the cue from the market if it starts to sniff out that data is weakening, that data is starting to come in where we need to be cutting earnings stents we don't hit all time highs in markets, that's when you'd say maybe recession risk is actually higher. So what's your conviction is it to basically shift away from the conviction of everybody else that equities are going to go higher and to take the other side. I think it's incredibly important to remain invested even in times of uncertainty, and the way that we do that is focusing on quality, focusing on companies that can block and tackle, which just means that I want to take out the risk that the economy is going to roll over and I'm going to have big earnings downside. But I also don't want to be over levered. I don't want to be overextended on risk having to have the best case scenario in order for my investments to work. So it's still that middle ground. It's worked really well this year, it likely works really well next year as well, as we think we are still in that late cycle environment. What's so interesting to me is the idea of developing a conviction with five percent money market fund trillions out there. Is part of your optimism of that money shifts given disinflation yields? Yeah, you know, it's a really good question. If all the money market funds is truly investible cap not all, but even at the margin that supports the bid. And we do know that investors compared to the twenty twenty two peak are about three percent less allocated to equities than they were at the peak and twenty twenty two looking at the AAII data, so that would suggest that there is still money on the sidelines, that there still is positioning to be drawn back in. And the good news is that there's cash, there's liquidity. In order to do that, we'll have to continue to watch that data because once people get fully invested, this is critical. I don't mean to interrupt, but you've nailed it. Three percent as the delta here from AAI or whatever it is, AARP, whatever. But the answer is if that money shifts and makes up the three percent difference, what does that do in SMP or Dell points, Well, it likely means that we can continue the rally, But then it calls into question the durability of the rally. Do we test the twenty twenty two high, do we break through it with gusto and really have the kind of rally that we saw coming out of time like twenty eighteen, twenty nineteen, or instead, do we have this sideways chop that looks a lot more like what we experienced in the seventies or even in the two thousands. And it's Chris Harvey is talking about did you just request a down forecast? I did, just busting this. You have a down forecast? Absolutely not. I'm sorry. That was beautiful. Do you want to explain why you don't have a down forecast because it's a price weighted index? Thank you, Cameron Tak Is that enough? Jar Denney SPX five thousands, forty one thousand on the show clip that? I mean, honestly, you guys just gonnatrol each other all morning beautiful. And I said, the perfect ending to this exchange was very good. You know it was great. It was very good. Camera. Thank you. It's going to see it. Cameron Dawson, I knew ittch Wealth, welcome back anytime. I'm going to play this off my book of the year years ago, Ken rog I was very courageous, The Curse of Cash. He's writing about where we are with digital currencies, what the Bank of International Settlements in Geneva thinks, what Central Bank says. He was at the New York Fed. Thanks. Bill Dudley joins us right now writing an important column on c B d C central bank digital currencies, Bill Dudley, very valuable and thought provoking. This morning, we just saw criminal trials, guilty verdicts, maybe appeals involved. But are we getting away from the presumed criminality, the punishment, the secrecy that Ken Rogoff had the courage to talk about. Well, I think that the crypto space is in disarray right now, and the real question now is our central banks around the world going to introduce central bank digital currencies to sort of take up that slack. I think that's going to happen, probably going to be more evolutionary than revolutionary, because it depends on what payment system that you're starting with. I think we're central bank digital currencies could play a very very important role. This is highlighted a new paper that we put out by the brent Witz Committee is really on cross border payments. We had a system of central bank digital currencies where the interfaces were harmonized, you could probably execute payments on a cross border basis at a fraction of the cost. Today, for a lot of migrant workers when they're sending their payments abroad, it costs over five percent of the value of the payment just to execute the trade. It's very slow. So we can certainly do a lot better than than we're doing right now now in this process. The FIT is very far far behind in terms of their work on central bank digital currencies, and in the US there's a quite a bit of skepticism about the need for central bank digital currencies. Why is this work continue? Well, that's so hard of the matter. I'm going to go to Raphael Our owns a high ground on this at BIS. He's documented the incredible friction of transactions in the real world. We all thought we'd be trading bitcoin and you know, John would be down at Selene trading bitcoin for a sweater, but the answers were not. We could really get down to where this is efficacious for central banks. We could really squeeze us down to where there's no transactional friction. Well, that'll obviously always give a little bit of transactional friction, but we can do a lot better than we're doing right now. I mean, in central bank digital currencies should be a pretty significant improvement over cash. I'll be just the safest cash, but in terms of the fault risk, because you'll be guaranteed by the sovereign nation, but you don't have worries about storage. You can transact with digital cash across long distances, So to me, it's like cash plus it's superior to cache and something that we the US should start to innovate on. There's a concern bill that as you disintermediate banks, essentially those agents that really capitalize from those frictions that exist, that some of the functioning of markets that traditionally has supported things like treasuries starts to ebb away. How concerned are you as you start to adopt new, less friction build methods and as capital markets slow in the wake of rate hikes, how much does that really disintermediate banks that really are still essential for the functioning of the treasury market. It really depends on central bank digital currency design, and I think there you want to have a two tier system where the banks continue to own the customer relationships. Central banks don't want to have customer relationships with hundreds of millions of households, so they should hand that off to the banking system. The second thing you want to do is make sure that the central bank digital currency doesn't pay interest. If it doesn't pay interest, it's basically going to be used for payments, not for investment, So that preserves the role of the central of commercial banks as intermediaries. So I think if you do those two things essentially protect that the commercial banking system is providing financial intermediation services, but the central bank helps provide a better payments medium. The reason why I ask is on a broader sense away from digital currencies, is there is increasing concern about how much of the risk taking activity and how much, frankly, of financial market functioning has moved outside of the highly regulated banks into the private sector. Earlier this morning, UBAS chair Clem Kelliher came out warning again that there's a bubble in private markets and that there's risks building there as an increasing amount of lending moved to that area. Are you concerned about that? Do you think that there is this sort of situation forming on the heels of rate hikes, on the heels of the more tightly regulated banks that deserves greater scrutiny. Absolutely? I think this notion that all we need to do to fix the problems that we saw in March of twenty twenty in the banking system is to appile a lot higher capal requirements on the largest banks. I think that's misguided. Increase the cabal requirements on the biggest banks, You're just going to push activity out into the non regulated banking sector, and that's going to make the financial system less secure, more unstable than the current regime. So I think we need to think really hard about what were the problems in March twenty twenty and how to address them. Bill, thanks for catching out with us. Give us an your view on that built outly the former New York Fed President Lie So this is joy. Why don't you bring in mister Mayo here because he's all AI in bankings, which makes me very happy actually because Thanksgiving dinners several of them. All of the discussion was about artificial intelligence. Mike Mayo focused on artificial intelligence as well, saying that it's not just going to be in big tech, it's also going to be in banks that you need to have AI talent at the financial institution, saying the marriage of banks with tech, including AI, is a long term positive that can help the industry trend toward record efficiency. Joining us now is the one and only Michael Mayo, Mike, thank you so much for being with us. So tell us just how much banks could benefit at a time where people have written them off as utilities that are overspending and are not going to make big returns. Well, if you're a bank and don't have an AI strategy, then you don't have a strategy because if the bank across the street has calculators or spreadsheets or Bloomberg terminals, yes, and you don't have those, then how are you going to compete? So AI is here to stay. The marriage of banks and tech has been a good one. It's stalled recently, but I think AI can rekindle that relationship by taking the productivity benefits which have been revenues per employee have improved by one third over the last decade. So banks and tech have been working, but I think AI can take that to another level. Is it a kind of thing where there'll be a few winners you mentioned Golias Mike Mayo in your noe is a kind of thing where four or five will win and the rest lose? Or can it actually be a benefit distributed across the industry? Well, I think most jobs at banks will be impacted. I mean, think of what I do. I'm an analyst, and analysis can be improved by this extra tool called a Now I do think there will always be a human in the loop for most cases. In other words, to prepare for your show today, Lisa and Tom, I went to chat GPT and said, what should I say in one sentence about this? And they said it's a revolution that will enable productivity, savings and better customer service. Well that's an improval. Well that's an improved starting point. But you know it's partly wrong. First, I'm not sure it's a revolution, especially at banks. It tends to be more of an evolution, and simply by enabling that potential doesn't mean that becomes a reality. And you've seen false starts cloud, You've had some buyers remorse. Blockchain didn't come out as quickly as expected. You know the dot com bubble one point. Oh, Tom, you remember all these Internet pollows which didn't survive. So I'm positive on the implications of AI, but I also I'm aware of the cast come back even further. George Ball E. F. Hutton. They blew it. They couldn't keep up on technology. This is Lisa. When there were cards with holes in them and a thing called Fortran. The answer is I want to know who the losers are going to be in this. I mean, I know you've got single best buys in all this, but what is the scale of the losers that you see in technology and banking three to five years out. Well, I do think Goliath is winning, and you have this poll by Evident. I know they've had the founders on your show. In fact, they have an all day conference in New York City tomorrow. So JP Morgan is number one front and center right now and their investment in technology are paying off. I'm surprised to see City Group in the top ten for all their issues with their back office, and they have major issues. They're making some efforts with AI. On the other hand, those banks that have not advanced with digitization and the cloud and getting their data together could struggle. And I do wonder about some of these mid sized banks. I mean, do they have the scale to really leverage these solutions and getting talent. Talent is such a big issue and you can't just buy talent off shelf. You can get solutions, but who's actually going to implement those solutions in each business line? So when I'm listening to you, I'm thinking how much are they're going to pay them. I mean, we're talking about open AI paying eight hundred thousand dollars to engineers at just at of a base level. I mean, how much your bank's going to have to pay some of this talent to come to their bank and develop similar solutions that can effectively support and reduce certain headcount in certain areas well. I think what you'll see is you'll see a reduction in headcount and some of those savings plowed back into paying other employees more money, especially AI engineers. They're in serious demand. But if you go to one of the largest banks, you have a whole career path. You can scale these solutions across tens of millions of customers as opposed to going to a smaller bank. I mean, what's your pitch. Now? There are some smaller banks in this evidence survey that performed quite well because they were already ahead on technology. So I think those winning in technology can keep winning more and those that are behind are going to have to have kind of a existential moment here. This can all work if banks have the cash to invest right and that sort of you put a pause on that at a time when potentially there could be a slow down and there could be some kind of reduction in revenues tied to slowing capital markets how much I understand this is a longer term call, but how much do you see a thawing in that kind of environment next year versus a tightening and the screws I mean, this is sort of one of the big disagreements for the backdrop for banks and capital markets activity at a time where yields are still high, but we also are potentially going to start seeing the effects of that. Well, I promise you I will be the first analyst to ask that question or earnings calls. If banks are spending too much money. Banks have no choice because of the headwinds from rates, recession possibility, and regulation. They must get more efficient. So if I'm the CEO of any bank and you're coming to me with the program for AI and want to invest a lot of money, I'd say, great, where are you saving the money to fund that? Nobody cares. All we want to know from Mike Mayo is what to do this year? Twelve months out, twelve months ago now flat on its back. We've had a magnificent seven moonshot right now. Keith briat Indexes twenty five percent above the pandemic low. Is this the year twenty twenty four of the banks? Do you load the boat here on banking? Well, look, the long arc of the benefits of the industry de risking has still yet to play out. Banks didn't get credit through the pandemic. The excuse was the government stimulus. Right now, you had some smaller regional banks fail earlier this year, so it's still delayed. So I still think over the next two to three years you see the benefit of the improved banking industry resiliency play out, and then they aren't as risky as perceived and they re rate at least back to historical And then the bigger question is longer term for the rerate above. Now, it's not immediate tom. I think as you get further out, you get better inflection points when it comes to banks, bread revenues, interest rates, effects, monetizing that capital markets backlog, and more clarity on regulation, which is a very big issues. Still, just real quick, just to follow up on the AI, what is the right AI investment? Is it getting some sort of application to write your reports for you. Is it being able to collate data from your customers to basically prescribe what they're going to do or want. What's the correct way. There's no one size fits off when it comes to AI investments. It's about banks tailoring those AI investments to their use cases that they have that's unique to them. So I find interesting anything related to compliance, fraud, cyber that's where you're seeing some really low hanging fruit early benefits. I think when it comes to some additional automation in the back office. I love what it can do for technology, the idea of Cobyl program change to Python, change to c plus plus, the ability to change archaic code. And by the way, most or almost all large banks still are advertising for Cobyl programmers. Tom, why are you killing me? By my first programming class at punch cards too so fourteen Yeah, what were that? Ancient? Lisa is like, what are they talking about? Single? Best buy ten seconds, JP Morgan and City Group. I had said, Okay, Barbell approach, Barbell approached, Mike Mayol, thank you so much, as WILLI s Fargo, Kati Kaminski, Chief Investments, trying to just to Alpha Simplex joins us now Katie the journey the low on a tenure yield back in twenty twenty in spring fifty basis points the high over the last couple of months through five percent. It paid to be short this bond market. You have been short, but the turnaround in the last couple of months has been brutaled the other way. We've come from five percent down to four forty on a ten year Katie, you've been short. Are you still short? And if you are, why, Yes, still short? But that has to do with different signals having different views. Take a look at the chart for the year. If you look at the year chart, the last month has been a miraculous turnaround relative to where we've come. So we're still way ahead of where we began the year, even prior to what happened in post what happened in the regional banking crisis. And so I think the key question to ask yourself about bonds right now is where are we going next? We have been looking all year for a distant version of the curve, and we got that in October, and the next point is still really uncertain. Are we moving to a steeper curve and if so, which way? Or are we just going to move around and sort of a range until we figure out what's actually happening with the Fed, Katie, Why is it not as simple as taking a look at the economic data coming out showing that it is disappointing much more frequently than it is outperforming, and just sort of leaning into that which the rest of the market seems to be doing. This is a good question, because really what I find the most concerning about the last month is there's been a massive has gone rally on weaker economic data, and that to me is sort of a relief rally from where we've come, because we've been through a lot, particularly in bonds, and so I think most people are buying right now because they're saying, if we see cuts soon, then we know that yields are going to come down. My concern is that it could take a lot longer than people think, pointing out that inflation is still way above target, or at least one percent above target, so we could take a year or so to get there. People are very quick to think that things are over when they take time to actually get through the system. Katie, we're setting up for the new year. I want to go back to the advent of all this, and this is trend based studies, and it's Andrew Low the giant, and you know, working with Elf Simplex and Wells Wilder and Monroe Trout, John Henry and the rest and the Germaine question twenty years ago is the same today. If you look at trend based studies or the complexity of trend based setups, are they elegant right now? Is the math good or are you blind? Well? Turning points are notoriously difficult for trend following. It's because we're not really set up to pick the tops and bottoms of big moves. And what happens in these turning points is we have to figure out using math, where is the next step of the trend. And that's where right now is an inflection point. And I'm looking forward to see if we can actually see that steeper curve. And when we've done historical analysis, what you do see is flat curves or steepening of curves. Is very difficult for trend signals because it's moving. Everything's moving, so it's a stochastic environment and you've got to find a new trend. What is the key attribute for our listeners and viewers to establish the trend? Well, I think the key thing that we always think about as trend followers. We try to blend different views. So right now, the long term view is still cautious. The shorter term view is very very optimistic, And if you combine those two together, you're really sitting in a situation now where we need more data and we need more time to understand where the market's going next. And that's why I think the market is so focused on every data point that comes out, because we're trying to sift through which view is correct. Is there a new trend, have we moved to a new era, a new phase of the of the curve shift, or are we still sort of treading water trying to figure that out. Time is expensive for shorts, and that's something that we have seen play out again and again. How much are some of the short positions being washed out adding to the rally? The stability that we've seen in bond yields over the past week and something that you think maybe can't last, Yes, of course, but I think there's a lot. There's been plenty of shorts this year, especially last year as well. When you think about where we've gone, we definitely need a balance between shorts and longs in this market. We have seen more buying pressure recently, which has been of perhaps causing some deceleration or deleveraging in short positions. But from the trend space, that's a strategy that's much more slow moving than some that you might be discussing. But there are definitely potential that some people are unwinding shorts as well. Hey Kitty, thanks for the update. Still short on this bomb market, Keady Commitski of Alpha Simplex. We take immense pride and I'm talking for the wonderful team we have working twenty four seven of giving you people of experience as we look at the horrific war in the Eastern Mediterranean. We've been advantaged by Norman Rule to say he's a former senior US intelligence official at the Center for Strategic and International Studies, barely describes his public service to the nation. Mister Roland, I want to cut to the chase here my amateur reading of fiction. Is it a ceasefire? Is an intelligence opportunity? Is this ceasefire good for the Israelis to develop intelligence in Gaza? Good morning, and you are absolutely correct. Keep in mind that the Israelis have a variety of means of intelligence. They must ingest a preasent. Prisoner interrogations take quite a while. Laptops have thousands of pages of data that must be reviewed, and you're looking to identify locations of individuals, hiding sites, weapons capacities, movement profiles, so that your troops can then use this as they plan operations when hostilities resume. So this is indeed probably one of the busiest periods for Israeli and partner intelligence. Does their military effort on a longer cease fire? Well, their military right now is supportive of the hostage release. They are concerned obviously that they allowed hostages to be taken and there because of the failure of October seventh, and this period is allowing that innocent Israelis are returning home, but that does not undermine their commitment to eradicating Hamas. Do we understand Have they articulated an endgame? Norman, No, And I think it may be a bit unfair to even think about what an endgame may be. So let me give you a give you an example. We are, in some ways in the easiest period of hostage negotiations. Once the negotiations turned to Israeli soldiers or men, you're going to see Hamas perhaps demand a lot more from the Israelis, the Israelis are unlikely to give, and therefore this could extend the hostage negotiations far longer than Israel could permit. And also we're looking at a period of time when the American presence among the hostages remains significant. Only one American has been released, likely because Hamas wishes to keep American political pressure on Israel. So it may well be that Americans may not be released in the initial period. There's something that you've said that I'd like you to explain to our audience. You said it's important not to confuse procedural hangups with strategic differences on hostage releases. Can you just go through what that actually means, Norman. In the early days of hostage negotiations, you've got issues such as how do you bring hostages to a safe location, exactly which hostage is going to be released, and what that particular group holding the hostages feels about their loss of that influence. And then on the Israeli side, you've got prisoners who have committed in some cases quite horrific acts, and the families of the individuals behind those sentences are going to be unhappy about the release. So you're going to have a process of working through this. But it doesn't mean that each side in this issue isn't interested in the release and the ceasefire. In fact, all sides involved Hamas, Israel, the United States, Qutar, they all benefit from a ceasefire and hostage release. Norman, can you just elaborate on the different factions within the Hamas group that are holding hostages and why they might be reluctant to release certain hostages. How this is sort of playing out in a political sphere over in Gaza. Well, we not only have different factions among the Palestinians, primarily Hamas, palestin Islamis Shihad criminal groups that may have taken hostages and seek to sell them to their own Palestinian partners, but we also have a communications problem. Imagine if you are these various groups and you know the Israelis are looking for your communications and looking for your movements, how do you exchange the data and conduct those intra Palestinian negotiations just to get that process going. It's a very complicated situation. What do you expect Tony Blinken to do on his latest tour of the region. We're always going to push for some sort of continued pressure on Hamas to release not only hostages, but to think about how they would consider a day after event. There's been very little actual crystallization of what day after means. You may have anything from an international police presence to Hamas thinking it can still survive because it will retain hostages for a period of time. And these talks are ongoing among all the various partners, and perhaps most important here are going to be the Saudist because they're leading such a large portion of the Islamic the Islamic world in Israel. It's really to make sure that he has a sense of where the coalition is in terms of resumption of hostilities and how Natanya, who is handling the various hostage debates within his own government. Norman role Aaron David Miller with us yesterday was just brilliant, and how this is not nineteen sixty seven, if that is true, and if there's not going to be a Camp David visit, a Camp David accord. Whatever our memory is of normal diplomatic ties, what do you presume will be the administration's approach to finding some kind of accord. Where are we a year from now, two years from now? Very difficult to think forward. First, you've got to identify which partners are going to show up for a camp David's style agreement meeting. I mean, think about it. Will Benjamin Netanyahu survive in his current political situation? It's stoutful. Who is going to be the leader of the Palestinians? Abu Mazen Mahammuda Bass, the head of the Palestine Authority is eighty eight years old. There will be no hamas presidents at the table. So who do you bring to the table that those entities don't actually exist at present? That's a massive question. Norman has tried to get your for you, it always says no one. Roll of the Center for Strategic and International Studies. Subscribe to the Bloomberg Surveillance podcast on Apple, Spotify and anywhere else you get your podcasts. Listen live every weekday starting at seven am Eastern. I'm Bloomberg dot Com, the iHeartRadio app, tune In, and the Bloomberg Business app. You can watch us live on Bloomberg Television and always on the Bloomberg Terminal. Thanks for listening. I'm Tom Keen and this is Bloomberg,See omnystudio.com/listener for privacy information.
This episode features a conversation in front of a live audience in Atlanta with Dr. James Lillard. Dr. Lillard is a Distinguished Fellow of AAI and Fellow of NAI and AAAS that uses both in silico and in vivo methods to develop biologics or molecular tests to better treat or diagnose, respectively, chronic diseases. His research involves dissecting the molecular mechanisms of cancer and inflammatory diseases, using clinically annotated NGS data and the implementation of precision medicine. His research contributions span disciplines including oncology, immunity, inflammation and biodefense. Dr. Lillard's cumulative peer-reviewed funding principally directed over his scientific career exceeds $75 million and he has authored over 300 scientific communications, which have been cited over 10,000 times.
On this episode of Ruled by Reason, AAI's Kathleen Bradish talks with Open Market's Sandeep Vaheesan and the American Economic Liberties Project's Erik Peinert about the pro-enforcement community's views on the draft Merger Guidelines recently released by the FTC and DOJ. This is a wide-ranging and in-depth discussion about how the proposed changes succeed in advancing better merger enforcement, where they fall short, and what beneficial modifications could be made to the final version. Using each organization's comments to the draft Guidelines as the jumping off point, Bradish talks with Vaheesan and Peinert about the proper role of guidelines, the importance of structural presumptions, the differences between treatment of vertical and horizontal mergers, and the viability of the efficiencies defense. The discussion concludes with thoughts about how to maximize the practical impact and the long-term viability of the Guidelines.
OPEN HEAVENSMATALA LE LAGI MO LE ASO SA 15 OKETOPA 2023 Manatu Autu: O le Nuu o puapuagā e lē gata. (The Land of Endless Sufferings) Tauloto – Mataio 13:42 ‘‘E lafoina i latou i totonu o le ‘ogāumu ‘a‘asa; e i ai le tagiauē ma le lilivau o nifo...” Faitauga - Tusi Paia: Mataio 13:24-30, 36-43 Upu FolafolaO i latou e lē sao atu I le Aai o le Atua e i'u I le isi nofoaga e lē mafai ona o'u fa'amatalaina o se aai. Ou te faapea atu o le nofoaga o puapuaga e faavavau auā o se nofoaga o le tagiaue ma le lilivau o nifo, fefe ma le tetemū e lē mafai ona fa'amatalaina i ni upu. O i latou uma e i lenei nofoaga pogisa e lē mapu le oi ma le tigā e faavavau. O le nofoaga e faaigoa o le afi o kena (Mareko 9:47). O le tulaga muamua e ao ona e iloa i le afi I seoli, o se nofoaga o le pologa ma le fa'afanoga e faavavau. O loo fa'amatala mai i le Luka 16:23 se tamā na i'u I seoli e faapea, “Ua i seoli ua fa'ataugaina, ona tepa a'e ai lea o ia, ua na iloa mamao atu ia Aperaamo ma Lasalo i lona fatafata.” O i latou uma e i seoli e faataugāina faasoloatoa e aunoa ma se mapusaga. I le Mareko 9:48 o loo fa'ailoa mai ai e Iesu nisi o puapuagā ma tigā e o'o iā i latou. “ o i ai e lē mamate o latou ilo, e lē tineia fo'i le afi.” E lē o faapea mai le tusi “o le ilo” e lē mate, a o loo fai mai “o latou ilo.” I se isi faaupuga, o ilo e omai mai tino o i latou o loo i seoli, ma o ilo e lē mafai ona faaumatia e feola pea, ma aai mai i tino o i latou o loo tagiaue i seoli. O le afi fo'i e lē mate e ola pea ma susunuina ai pea i latou o i seoli i taimi uma ma aso uma. Ua faapea mai Iesu i le Mataio 25:41, o le afi e faavavau. Fai mai Fa'aaliga 14:11, “ o le asu fo'i o lo latou puapuagā e alu a'e e faavavau faavavau lavā; latou te lē maua fo'i se filemu i le ao ma le po o e ua ifo I le manu feai ma lona faatagata ma se na te talia le faailoga o lona igoa.” O se tasi o moomooga e oi pea i ai i latou o mu i le afi i seoli, o sina matāua o le suāvai se'i fa'amalūlū a'i o latou laulaufaiva I le mumū o le afi (Luka 16:24). E leai se miti fa'afefe tagata e mafai ona latalata pe faatusa i le mata'utia o le afi e lē mate i seoli. E tele Tusi o le Afioga Paia a le Atua o loo faamatala ai e Iesu seoli o se nofoaga e i ai le tagiaue ma le lilivau o nifo. Afai e faapea mai o le mata'utia o le mamafa o le puapuagā ua mafua ai le tagiaue ma le uiō, aisea la e lilivau ai o latou nifo? O le lilivau o nifo o se tulaga e o'o i ai le tagata pe a salamō i sana mea na fai. O tagata e o i seoli e lilivau o latou nifo e o'o i le faavavau, i le salamō latou te le'i ola i ala o le Atua a'o i le lalolagi ma maua le mānava ola. O oe o loo e i le lalolagi ma o loo maua pea le avanoa o loo mo'omo'o i ai i latou o i seoli ia latou toe maua. O loo i ai lou avanoa e te salamō ai ma toe amata se amataga fou. Salamō nei loa I au agasala, tu'u lou ola iā Iesu Keriso ma amata ola faapaiaina nei loa, manū o i ai pea le avanoa. Afai e te fa'atuai ma i'u ina misi le avanoa e te toe manatua lenei faamalosi'au a ua e i seoli, ma e toe faapea ifo maimau pe a na toe maua sou avanoa, a ua tuai. Filifili ma le poto. E te lavatia puapuaga ma le fa'afanoga I seoli? Ua e malie e te i'u I seoli ona o le agasala o loo e faia pea? Tu'u ne'i loa, salamō ma liliu I le Atua e te ola ai, na te lē tulia oe, manū o i ai pea le avanoa. I le suafa o Iesu Keriso. Amene.
OPEN HEAVENSMATALA LE LAGI MO LE ASO TOONAI 14 OKETOPA 2023 Manatu Autu: O le Aai e leai se La (The City Without A Sun) Tauloto – Faaaliga 21:23 ‘‘E lē aogā fo‘i i le ‘a‘ai ‘ona pupula i ai o le lā, po o le masina; auā o le pupula o le Atua ‘ua fa‘amalamalamaina ai ia, o le Tama‘i Mamoe fo‘i o lona molī lea..” Faitauga - Tusi Paia: Isaia 60:17-21 Upu FolafolaO le faaopoopoga lenei i le aai pupula na o'u faamatala atu ananafi. E ese mai faamanuiaga fa'a le tino ma le mafaufau o lou i ai i lenā aai, a'o le tau fo'i e atoatoa le lelei. E lē malulū tele pe vevela; e lelei atoatoa mea uma. O le mea moni, o le vevela o le la o loo e mafatia ai i lalo nei e te lē toe lagona aua e leai se la i le Aai. O le pupula o le Atua e faamalamalamaina ai le aai, e pei o la tatou upu tauloto mai le Tusi Paia o le asō. Mafaufau I se nofoaga e lelei atoatoa ai mea uma e o'o I le tau. O se aai e leai se mea e faaletonu. I le aai lenei, o meaola o loo o tatou fefefe ai i le taimi nei ma faaigoa o manu ai vao, tatou te lē toe fefefe ai. Ua faapea mai Isaia 11:6-8 “E nofo faatasi le luko ma le tama'i mamoe, e taoto fo'i le nameri faatasi ma le tama'i ‘oti; e faatasi fo'i le tama'i povi ma le leona ta'anoa atoa ma le manu peti, e ta'ita'iina fo'i i latou e le tama itiiti. E aai faatasi le povi fafine ma le urosa, e taooto faatasi a la'ua tama; e ai fo'i e le leona ‘au o saito pei o le povi. E taalo fo'i le tama e le'i te'a ma le susu i le lua o le asipi, o le tama fo'i ua te'a ma le susu, e tu'u e ia lona lima i le lua o le gata uogo.” O le aai lenei e tatau lava ona e taumafai i le mea e gata ai lou mafai ia e o'o i ai, ma avea ma ou nofoaga e faavavau. O le ala lea na fetalai ai Iesu I le Mataio 8:36 “Auā se a le aoga i le tagata pe afai na te maua le lalolagi uma, ae māumau lona ola?” Auā fo'i o mea uma i lenei lalolagi e leai ma se tāua pe a fa'atusatusa i le matagofie o le aai o le Atua. Aua ne'i i ai se mea e faalavelave pe taofia oe mai lou ulufale atu i le aai o loo tausinio i ai le au Kerisiano. Ia e matua'i naunau e te maua le lagi, afai e faalavelave lou lima tipi ese (tulou). Afai fo'i e te tausua'i i lou mata, inā sali ese ia(Mataio 18:9). Le au Pele e, ia e ‘alo'alo mamao ese mai le agasala ina ia e sao atu i le nuu pupula e faavavau. E tatau lou fa'a taulaga o mea uma o iā te oe i le asō ina ia e taunuu i lenei aai. Aua ne'i avea tupe, lauiloa, malosi ma le tamāoaiga e taofia oe mai lou ulufale atu i le lagi. E leai se mea o lenei lalolagi e sili atu pe faatusalia I le olioli saga e te maua pe a e maua le nuu Paia ma le matagofie o loo afio ai le Alii lou Atua o ia lava o le malamalama o le Lagi le Aai Pupula. I le suafa o Iesu Keriso. Amene.
OPEN HEAVENSMATALA LE LAGI MO LE ASO FARAILE 13 OKETOPA 2023 Manatu Autu: O le Aai e fai I le auro ona auala (The City with streets of gold) Tauloto – Ioane 14:2 ‘‘E tele mea e nonofo ai i le maota o lo‘u Tamā; ‘ana leai, ‘ua ‘ou fai atu ‘iā te ‘outou; ‘ou te alu e sauni se mea e nonofo ai ‘outou...” Faitauga - Tusi Paia: Faaaliga 21:1-27 Upu FolafolaE tele naua taulaga tetele ma aai matagofie I lenei lalolagi. E iai taulaga o le mama ia o latou auala, o nofoaga e tafafao ai tagata e mama ma lelei atoatoa faapea taavale taugata ma le matagofie e feoai ai tagata. E tusa po'o le a le aulelei ma matagofie o nei aai ma taulaga, e iai se aai e sili mamao atu lona matagofie e peiseai o ni aai matitiva nei aai matagofie I le lalolagi pe a faatusa iai. I lenei aai, o ona auala e faia I le auro maoi lelei e pei o tioata manino (Faaaliga 21:21). O teuga auro uma e pito taugata ma feilafi o loo teteu ai tagata ma faalialia I le lalolagi nei, e le taitai ona faatusa lona lelei I le auro o le a tatou savavali ai luga I le aai lea. O loo manino, e leai se mativa I lenei aai. I lenei aai, e le toe oi ma pologa I se mea. O le malo I lenei aai, e matua filigā ma lelei ana pulega e leai se mea e oge ma mativa ai seisi. O le mea moni o le tagata pito mativa I lea aai, e nofo I lona maota tele. O lo'o matua faamanino mai lea tulaga I le tatou tauloto mai le Tusi Paia. O lenei aai tele o se aai e mauoloa ma mamalu e leai seisi e le fia nofo ai. E le gata e saunia uma e le malo mea e manaomia e tagatanuu uma o le aai, e latou te saunia foi tulaga uma e faafiafia ai lagona o tagata: 4E sōloi‘esea fo‘i e le Atua loimata uma i o latou mata, e leai fo‘i se toe oti, po o se fa‘anoanoa, po o se auē, e leai fo‘i se toe puapuagā auā ‘ua mavae atu mea muamua.” Faaaliga 21:4 E pau lea o le aai ou te faia mea uma ia ou alu iai. E faapefea ona avea se tagata ma ona tagatanuu? Fai mai le Faaaliga 21:27 e faapea: 27E lē sao atu lava i ai se mea leaga e tasi, po o sē na te faia se mea ‘inosia, po o sē pepelo; na o i latou lava ē ‘ua tusia i le tusi o le ola a le Tama‘i Mamoe. Ina ia faamautinoa o loo tusia lou igoa I le tusi o le ola a le Tamai mamoe, e tatau ona lafoai lou ola ia Iesu ma talia o ia e avea ma ou Alii ma Faaola, ona e ola faapaiaina lea mo lou olaga atoa, I le suafa o Iesu Keriso, Amene.
Join the Head of Faculty & Academic Development, Jay Williams, CIC, CRM, CRIS, MLIS, AIP, AAI, ACSR as he hosts special guests from Utica National Insurance Group: Tabitha DeGirolano, Errors & Omissions Risk Management Specialist, and Mark R. Angelucci, Senior Vice President and Insurance Agents Errors & Omissions Segment Leader. In this episode, the trio emphasizes the critical role of ongoing education for insurance agents, noting how crucial it is for agents to stay informed on coverages and effectively manage their operations. Utica National Insurance Group is dedicated to supporting agents throughout the claims process by providing tailored resources and education opportunities, aligning with their strategy for client claims management. Agents can access Utica National's E&O program through their local independent agent association, such as the National Association of Professional Insurance Agents or the Independent Agents and Brokers of America State Association. These associations serve as the exclusive distribution source for Utica National Insurance Group's E&O program. Tune in to gain valuable insights into the unique offerings of Utica National's E&O program. Agents will learn how they can benefit from direct access to underwriters and risk management specialists, comprehensive resources, and personalized support throughout the claims process. The National Alliance remains dedicated to empowering insurance professionals to achieve success in their careers by providing resources like this.
Hugo Estrella, AAI's new Directory of Advocacy, joins us to talk about his life growing up atheist in Argentina during a dictatorship with which the Catholic Church was complicit, Argentina's upcoming election with a swing to the far right, and his work fighting for freedom from religious privilege around the world. Listen and watch the podcasts on these platforms: Spotify: http://bit.ly/aai-pod-spotify Apple podcasts: http://bit.ly/aai-apple Google Podcasts: https://bit.ly/3pknMYG Follow and connect with us: Facebook: https://www.facebook.com/AtheistAllianceInternational Twitter: https://twitter.com/atheistalliance Website: https://www.atheistalliance.org/ Join AAI: https://www.atheistalliance.org/membership/ Donate to the ASN: https://www.atheistalliance.org/atheist-support-network/
Beth Benhart - Senior Director of Instructional Design - Beth began her career in secondary education and made the switch to the corporate world after earning her Master's in Educational Technology from Michigan State University. She has spent the last six years of her career developing training programs for insurance and risk management professionals. Beth has experience with all facets of learning and development including corporate training, learning management system (LMS) administration and instructional design. She is passionate about leveraging innovative eLearning strategies and tools to create on-demand training experiences for adult learners.Jay Williams, CIC, CRM, CRIS, MLIS, AIP, AAI, ACSR- Head of Faculty & Academic Development - Jay is the Head of Faculty & Academic Development for The National Alliance for Insurance Education & Research. In his role, he is responsible for all faculty and Educational Consultants, as well as overseeing curriculum development by our Academic Directors. He also oversees curricula for our Agency Operations, Agency Management, and Insurance Company Operations programs. He is an Educational Consultant and a member of our National Faculty, teaching CISR, CIC, Ruble Graduate Seminars, and PROFocus events.Interested in Shaping the Future of Risk Management & Insurance Education? Become a Faculty Member!
On July 20, Capitol Forum Executive Editor Teddy Downey spoke with Diana Moss, President of the American Antitrust Institute (AAI), about what a LiveNation-Ticketmaster monopoly breakup could look like. The AAI recently published a deep dive on vertical integration of Live Nation and Ticketmaster as well as proposed remedies. On the podcast, Diana describes the legal climate around vertical mergers in 2010 when the two companies first merged: “We had this whole gestalt around vertical mergers being viewed as pro-competitive, getting a lot of deference in enforcement cases, no case law. And that merger, Live Nation/Ticketmaster, was especially egregious because Ticketmaster had about 80 percent share in primary ticketing.” To put that statistic in perspective, Diana sites the new, proposed merger guidelines, which describe 50 percent share as a presumption of anti-competitive outcomes. The current result, she points out, is a lack of choice for everyone involved: “Venues have no choice, or very little choice, but to go to Ticketmaster. Artists have very little choice but to go to Ticketmaster for ticketing. Even Taylor Swift had to do this. She was promoted by AEG, which is a competing concert promoter, but AEG didn't have the ticketing services. So Ticketmaster was the only option.” Listen to the full podcast to hear about: The complications of secondary markets Retaliation fears from artists and independent venues Historical breakup precedents Potential remedies, including the drawbacks to conduct remedies
Luuk Gruwez (1953) neemt met zijn zwierige en bandeloze gedichten, zijn grote liefde voor het kleinmenselijke en zijn eeuwige neiging tot zelfrelativering en poëziespot, in dichterskringen een unieke plek in. In zijn recent verschenen bundel 'Balts' schrijft hij over het baltsen en verleiden dat voorafgaat aan de creatie. In de podcastreeks 'Huis van de Dichter' wil Jelle Van Riet ons aansteken met haar liefde voor poëzie. Ze nodigt deze zomer zes favoriete dichters uit in Watou en gaat met hen in gesprek over poëzie - en dus over het leven. Leidraad van hun gesprek is één gedicht van de gastdichter, dat ze ook voorlegt aan een lezerspoule met onder meer herman Van Rompuy en Tijmen Goovaerts. Huis van de Dichter is een zesdelige podcastreeks in samenwerking met Poëziecentrum. De reeks verschijnt elke zaterdag in de podcastreeksen 'DS Letteren' en in 'Watou. Huis van de Dichter'. Dit is aflevering 4. Concept en scenario: Jelle Van Riet. De opnames en montage zijn van Pauline Augustyn. De muziek is van Nicolas Rombouts. De podcast is mede mogelijk gemaakt door Literatuur Vlaanderen, PoëzieCentrum en Kunstenfestival Watou. In deze podcast dient dit gedicht van Luuk Gruwez als uitgangspunt voor het gesprek: BOKSER Ik hou niet op tot ik ben uitgeteld, plompweg tegen het canvas geklopt. Mijn spiegelbeeld verraadt geen bloedneus of gezwollen oog. Ik heb geen sparringpartner, enkel mijzelf. Geen kloof is te bekennen in mijn brauw, geen uppercut die ooit mijn kaak deed breken. Waarom houd ik mijzelf dan voor bekeken? Ter wille van de trieste roes van het verlies? Maar op een dag zal ik het halen, zeker! ‘Red mij, red mij,' zal ik smeken. En redden zal ik het. O, laat het in mijn holle kop zo galmen dat iedereen mij al van ver kan horen dromen. Bang ben ik niet, maar kijk mij minzaam in de ogen. Aai mijn wangen. Bewonder mij desnoods en smijt in elk geval mijn spiegel stuk zodat ik word bevrijd. En als het eenmaal zover is, leg mij dan af en zeg: ‘Hier ligt er een die tot het laatst zo dapper bokste dat hij zelfs heimwee kreeg naar al zijn nederlagen.' Uit Balts, De Arbeiderspers, 2023 See omnystudio.com/listener for privacy information.
On this episode of Ruled by Reason, AAI Vice President for Legal Advocacy Kathleen Bradish hosts J. Wyatt Fore and David Golden of Constantine Canon to discuss their work in private antitrust enforcement under the Shipping Act. They explain how consolidation in the shipping industry has led to a serious competition problem, one that came into full view when COVID-19 exposed a dangerous lack of resilience in the supply chain. The conversation covers the role of the Federal Maritime Commission in antitrust enforcement and the role for private enforcement in working alongside the FMC to encourage greater competition in shipping. Wyatt and David discuss their own experience litigating in front of the FMC and improvements that can be made to the process to make it easier for private plaintiffs to bring meritorious claims. This episode is for anyone interested in finding out more about competition in an industry that touches on nearly every aspect of our lives. After listening, head over to the AAI website to read Wyatt and Kathleen's white paper “Competition Enforcement, Private Actions and the Shipping Act” for a deeper dive on the issues raised here.
On this episode of Ruled by Reason, AAI President, Diana Moss, and AAI Vice President for Legal Advocacy, Kathleen Bradish talk about competition and cloud technology markets. AAI recently issued the report: The Cloud Technology Market: Storm of Innovation or Rainy Days for Competition? Moss and Bradish unpack AAI's analysis of a vitally important market in the digital economy, beginning with the explosive growth in cloud computing over the last two and a half decades. The report identifies the major cloud players and asks: What is the state of competition in the market? For example, is technological dynamism driving new entry? Are players jockeying for position by stealing share from each other? What does this all mean for how cloud providers compete with one another and are they any warning signs that competition may be flagging? Most important, how should antitrust enforcers and competition policymakers be thinking about promoting competition in cloud?
On this episode of Ruled by Reason, AAI President Diana Moss hosts two leading healthcare competition experts. Laura Alexander is Director of Markets and Competition Policy at the Washington Center for Equitable Growth and Brent Fulton is Associate Research Professor of Health Economics and Policy at the University of California at Berkeley and Associate Director of the Petris Center on Health Care Markets and Consumer Welfare. They take up an increasingly troubling issue in healthcare competition: growing private equity ownership of physician practices. The conversation previews major takeaways from a soon to be released study between AAI, UC Berkeley, and WCEG, funded by a grant from the Arnold Foundation. Moss, Alexander, and Fulton discuss the penetration of private equity ownership in the U.S. across a variety of physician practice areas, growth in market share and concentration, and effects on prices. This episode is a must-listen for those following consolidation in critical healthcare markets and its implications for prices, healthcare costs, antitrust enforcement and healthcare policy.
Unruly Passengers, How's That Working For Ya?, Smells, Fully Known/Fully Loved, AAI, Shock Jock, A Challenge from Mick & Motorcycle Gang, Welcome to the Show, Culture Doesn't Get It, Apple Goggles, Masterclass, Air It Out With God; Quotes: “Shocking but patient.” “We're dealing from a strong hand because we're so loved.” “Don't tell me I should have a point.” “My opinion of me shouldn't out rank God's.”
John Richards and Andy Phillips from AUK join AAI to promote their upcoming conference with The Origins Project. Speakers include; Lawrence Krauss, Sophie Scott, Blay Whitby, Keith Porteous Wood, & special guest, Richard Dawkins. Tickets are almost sold out, so get them before they are sold out: https://www.atheismuk.com/changing-minds-in-changing-times/ Follow and connect with us: Facebook: https://www.facebook.com/AtheistAllianceInternational Twitter: https://twitter.com/atheistalliance Website: https://www.atheistalliance.org/ Join AAI: https://www.atheistalliance.org/membership/
We discussed the serious trouble that Atheist Alliance International is in with the California Secretary of State and the State of California Franchise Tax Board, which could see them having to use tens of thousands of dollars of donated money to pay outstanding taxes and penalties. The "board" of AAI have never said anything about this to their donors, even though they've known about it for at least the past two years.
Episode 72 - If you've been listening to the last few episodes, we've been breaking down the steps you need to consider before starting a business. The concepts shared in these episodes are the foundation of building a successful business, no matter what kind. Bottom line in business is You Don't Know What You Don't Know You see, too many people jump into starting a business without doing any planning. Then they wonder why they aren't finding success, as if business should just fall from the sky! For some people even if they don't plan, they might get lucky but the majority of people put in a lot of hard work, time, money and sweat equity to get their dream of owning their own business off the ground. For many people it's trial and error It's figuring out what to do as they run into trouble or finding answers when they least expect to. Even if you do extensive planning and research before you start your business, you will hit obstacles, but the more you are prepared with your foundation, the better chance of success you will have. In this episode I want to recap the top 5 things I think you should focus on when planning to open your business. I've talked about these before, but I'm hoping that if they have their own episode, you'll pay attention. Quick recap Marketing Plan Focus Business Team Capital Contracts What's your end game Ideas To Consider Have a plan. You can take courses on how to create a business plan, and your plan can be 30 pages or 3 pages. I've even heard of a one page business plan, but it's hard to get a lot of details on one page! There's two things I think are essential in your plan. The first is marketing. And I think this needs to be very well defined. Maybe you need to do a little market research to test your idea before you can create a solid marketing plan, but without this, you are doomed. I also think that when you define your marketing plan up front and look at the costs for each tactic you want to implement, then you can budget accordingly which is the se cond part of the plan that I think is essential. I'll get back to that part but let's talk about marketing first. The second is financial - For someone like me, this is the toughest part because while I understand math and some accounting, financial projections aren't something I can easily wrap my head around. I see this part as start up costs - what you need to really open your doors, how much capital do you need to pay yourself or a staff for the first year while you are growing your business and how much reserve do you need in the event things don't go as planned? Map this part out, give it to your banker friends and ask their opinions. This is essential and often overlooked by many startup entrepreneurs. It's why first year entrepreneurs have such a high failure rate. Focus on what you want to do - It's ok to pivot down the road as many companies do, but if you are starting as an agency, an insurance company or a related insurance partner, be focused. Don't try to be all things to all people. It is the greatest component of success for startups. Put together you business team. I'm not talking about staff but the other professionals that can guide you. Don't hire your family member if they don't specialize in what you need. For example, you need a business attorney, not the family law attorney. Get a good business accountant, and make friends with your banker, payroll, bookkeeper, human resources and even other insurance professionals that aren't doing what you hope to do. This ties into the financial piece, but having enough capital to get you through is essential. This is really the hardest part. So many people want to start but don't have the capital. They bootstrap it which can work but it would be so much easier if there was capital. If you are working as you are thinking about starting a business, get your loan while you are working for someone else because once you become self employed, the lending rules change and it's not easy. In 2023 when everything is out of whack from COVID, getting a bank loan is really difficult so get it before you leave your salaried income. Contracts - Be sure to read all of your contracts thoroughly. I would strongly recommend having them reviewed by your business attorney. It might cost a few extra dollars, but trust me, they'll see things in a different light than you will and offer good tips for negotiation. If you have a partner, have a contract - the more detailed the better. It needs to discuss what is involved if there is a breakup. Better to get it right before you start then pay thousands when no one is talking to each other. A business breakup is no different than a marital breakup. Your business pre-nup is the most valuable document you can create. Have contracts with business vendors, employees and review your insurance company contracts thoroughly. Don't sign on the dotted link just because you get offered a contract. This last one is a bonus idea but I think it is essential to set yourself up with the end in mind. It doesn't matter if the end is 30 years away, be thinking like that. Build a business you can sell if you need to. We don't know what life will bring us tomorrow so if you set it up right from the beginning, you don't need to worry about a surprise obstacle getting in your way. If you can't tell from the past few episodes, this is my passion. I love helping people get started in business. I'm not as good with someone that already has 100 employees, but for the start up, my heart sings! If you have questions, feel free to reach out. You can find me on LI and FB. I have a group called The business of insurance, but it's not that active. If you want to be a part of it, let me know and I'll let you in! Thank you for listening to this series on how to start a business. If you know someone thinking about getting started or someone that has been in the business for a short period of time, please share this information with them. It's free and valuable! SHOW THE LOVE If you haven't done so already, please follow, like or subscribe to this podcast on your favorite podcast player. The terminology for this has been changing, but we want you to get our podcast when new episodes are published, so check the platform where you listen to podcasts and make sure we are in your playlist! We are on all of the platforms including spotify, IheartRadio and Apple podcasts.and Google Podcasts. SPONSOR Insurancemailboxpower.com CONNECT WITH THE PODCAST ON SOCIAL FACEBOOK GROUP FACEBOOK PAGE TWITTER ABOUT THE HOST This episode of the Business of Insurance podcast is produced and hosted by Debbie DeChambeau, CIC, AAI, CPIA - an entrepreneur, business advisor, insurance professional and content creator. Her goal is to inspire you to think differently and explore ideas that disrupt the status quo. Debbie has an extensive business and marketing background with a focus of helping insurance professionals be more successful. She also works in the health insurance space, focusing on helping people navigate the Medicare Maze. She is the co-author of Renewable Referrals. Connect with Debbie on LinkedIn, Twitter or Instagram.
EP -71 If you haven't listened to episodes 65-71, they set the stage for this final episode on things to think about when starting your own insurance business. Regardless if you are starting an agency, an insurance company or a related business to the insurance industry like technology, claims or risk management, the concepts of starting a business are the same. These are discussed in these episodes and can help with your thought processes and planning. Pre-planning, part 2 provides ideas to implement 6-12 months before you are ready to open your doors. If you don't have a year to plan your business, you can fast track these ideas. It's the concepts that you want to consider to assist in starting your business with a greater chance of success. Months 6-9 Define business objectives Pick a name for your business Look for office locations Write a business plan Month 10 Decide legal form for your business Set up recordkeeping system Establish a relationship with a banker Open a business checking a account Month 11-12 Prepare cash flow projections Define amount of investment you'll need Prepare financial statements Obtain license insurance, permits Secure financing Set up office and operational space Purchase business cards, office supplies Hire staff SHOW THE LOVE If you haven't done so already, please follow, like or subscribe to this podcast on your favorite podcast player. The terminology for this has been changing, but we want you to get our podcast when new episodes are published, so check the platform where you listen to podcasts and make sure we are in your playlist! We are on all of the platforms including spotify, IheartRadio and Apple podcasts.and Google Podcasts. SPONSOR Insurancemailboxpower.com CONNECT WITH THE PODCAST ON SOCIAL FACEBOOK GROUP FACEBOOK PAGE TWITTER ABOUT THE HOST This episode of the Business of Insurance podcast is produced and hosted by Debbie DeChambeau, CIC, AAI, CPIA - an entrepreneur, business advisor, insurance professional and content creator. Her goal is to inspire you to think differently and explore ideas that disrupt the status quo. Debbie has an extensive business and marketing background with a focus of helping insurance professionals be more successful. With over 30 years in the industry, mostly on the property and casualty side, she currently works in the health insurance space, with a focus on helping people navigate the Medicare Maze. She is the co-author of Renewable Referrals.Connect with Debbie on LinkedIn, Twitter or Instagram.
EP - 70 This episode provides additional insight into starting your own business in the insurance industry. We'll cover ideas to help you map out the process over the course of several months so you don't have to do everything at one time. We'll talk about tasks that can be broken down over 12 months or done in 30 days if you don't have much time. Month 1 -2 Define your ideas - what area are you going into? Agency, carrier, claims, Life, health, will you just do something like work comp, airlines or medicare? Maybe you are thinking technology in the form of a CRM for insurance, maybe you'll white label a product that is working in another industry. There are a lot of things in between, these are just examples. But give some thought to your direction. Will you set up your business like everyone else or do you have ideas for being innovative? I don't believe any of this is incorrect, you just need to define what you want to do and make sure you have done the research and have a great plan for moving forward. Month 2-3 Assess the impact on your life and family - I believe this is often overlooked and is an essential component of going into business. A business is like having another child. It is expensive, it takes a lot of your time, it can eat up your resources until you start making sales. Your spouse needs to buy in emotionally and financially. When I started my first agency back in the early 90's I thought I had my husband's support. We agreed that I could tap into our home equity loan which was $25,000. Our marriage was set up where we each paid 50% of everything so I needed that money to pay my portion for awhile.( 2 kids with childcare, mortgage, groceries, and a car payment, along with the business expenses) 6 months into starting my agency, my husband was freaking out. I was making sales, but not enough to pay 50% of my bills around the house. Since I was home based, he thought I was doing nothing all day and that we could stop sending the kids to daycare and same some money. He just didn't get it. Ultimately, we got divorced and while it was over a completely different issue, my being self employed weighed into it heavily. When I went looking for another partner, I wanted them to be in sales and understand being in business. I wasn't going to be with someone else that did not understand you have to make some sacrifices short term for long term success. I can't stress how important it is to get complete buy-in from your spouse or partner about how the finances and time will be for the next 2-3 years. If you aren't making money after that then you might need to reassess! Month 3-6 Locate sources of business advice and support - in the last episode, episode xxx, we talked about different members of your team. This wasn't people that would be on your payroll but people that you would get advice and wisdom to make sure you are successful. If you missed that episode, please go back and listen to it again. THIS EPISODE OF THE BUSINESS OF INSURANCE PODCAST IS BROUGHT TO YOU BY INSURANCEMAILBOXPOWER.COM How will you announce your new business? How will you thank all the people that support you? Consider insurancemailboxpower.com. This great platform lets you send gifts, cards, direct mail and other marketing pieces to your clients, prospects and those that are supporting you along the way. Since we are talking about getting started in business in this episode, once you decide on your company name and logo, you can create a few custom items to see how it feels. Put the name and logon on a coffee mug, order yourself some custom pens. Just test it out to see how it feels before you commit to the final copy. Use my affiliate link and go to insurancemailboxpower.com where you can set up a free 14 day trial account. Send yourself a few products and see how it feels. When you sign up for a pro or executive account, I'll share some of my designs with you that have been generating results for me! Continuing in month 3-6 Obtain necessary skills - depending on what type of business you are starting, will depend on the types of skills you need. If you aren't good at sales, take some sales classes. If you aren't good at leadership, take some classes, if you don't know what is involved in running a business, take some classes. Do this before you get started, so you have a better chance of finding success earlier, not after you open your doors. You'll always need to be learning and there are different ways to get the information that you need, but the more you do this before you open the doors, the less mistakes you'll make when the doors open. Research carriers, IMO's, Aggregators,industries etc.If you are going on the agency side, who will you write your business with? I think it is really important that you really do your due diligence here. Get the contracts. Read them. Have your lawyer review them. Sit on them and make sure you ask questions. Don't take anything for granted. It's easy to sign one, it is not always easy to get out of one. It might mean going to a few industry events to ask people who they are using, getting some feedback from others before moving forward. By doing this part before you open your doors, you will save yourself a lot of time and aggravation down the road. Topics to consider: What are the sales expectations, what technology do they provide? Can you test ride it? What type of support is available? How are commissions paid? What about overrides and contingencies? What happens if you want to leave or move to another organization? What happens if you sell your business? There's a lot of information you need before you sign up that will help you to be more successful. Since there's a lot of information to planning to open your business, we are going to stop here for today. We'll pick up what to do in the next episode. So until then, KEEP CREATING OPPORTUNITIES SHOW THE LOVE If you haven't done so already, please follow, like or subscribe to this podcast on your favorite podcast player. The terminology for this has been changing, but we want you to get our podcast when new episodes are published, so check the platform where you listen to podcasts and make sure we are in your playlist! We are on all of the platforms including spotify, IheartRadio and Apple podcasts.and Google Podcasts. SPONSOR Insurancemailboxpower.com CONNECT WITH THE PODCAST ON SOCIAL FACEBOOK GROUP FACEBOOK PAGE TWITTER ABOUT THE HOST This episode of the Business of Insurance podcast is produced and hosted by Debbie DeChambeau, CIC, AAI, CPIA - an entrepreneur, business advisor, insurance professional and content creator. Her goal is to inspire you to think differently and explore ideas that disrupt the status quo. Debbie has an extensive business and marketing background with a focus of helping insurance professionals be more successful. She also works in the health insurance space, focusing on helping people navigate the Medicare Maze. She is the co-author of Renewable Referrals. Connect with Debbie on LinkedIn, Twitter or Instagram.
EP 69 - We get training for being an insurance agent but we don't get training for being a business owner. They are two completely different hats. If you want to succeed in Business you need to have a team. I was recently listening to another podcast with an angel investor and she said the first thing she looks for is who is on the team and what is their experience. You need a team. It's nice to think you can do everything yourself, but something will be lacking if you don't bring on help. So here's what your team should look like. Accountant Consult with an accountant for guidance on your entity choice. Have your accountant show you how to initially set up your books - Use your accountant as an advisor to different financial decisions you can make with your business. Meet with them quarterly for business planning ideas Bookkeeper - someone that can help with commissions, payroll, balancing your accounts Lawyer Get guidance on your entity structure Let them review and create different documents for you Marketing Let them help with your webite, branding and a marketing plan Insurance - if you aren't doing commercial P&C on a daily basis, partner with someone that is and let them be your agent. They can talk to you about the newer coverages like cyber and AI but also make sure you know about the other coverages usually offered in a BOP., Banker Get to know several bankers. They can be your best friend. They work with a lot of other businesses, they have their pulse on what is going on in the economy and they know who is lending, who isn't and where you can find money. Human Resources Find an outsourced HR firm that you can use. Maybe you need them once a month, or once a year, having the professionals at your fingertips is a great way to keep yourself out of hot water with employees. Mentor / Coach They can save you years of mistakes because they've been there, done that. Rather than trying to figure it out for yourself, they have the answers. SPONSOR Insurancemailboxpower.com CONNECT WITH THE PODCAST ON SOCIAL FACEBOOK GROUP FACEBOOK PAGE TWITTER ABOUT THE HOST This episode of the Business of Insurance podcast is produced and hosted by Debbie DeChambeau, CIC, AAI, CPIA - an entrepreneur, business advisor, insurance professional and content creator. Her goal is to inspire you to think differently and explore ideas that disrupt the status quo. Debbie has an extensive business and marketing background with a focus of helping insurance professionals be more successful. She also works in the health insurance space, focusing on helping people navigate the Medicare Maze. She is the co-author of Renewable Referrals. Connect with Debbie on LinkedIn, Twitter or Instagram.
Barry and John share tales of their recent appearances on TV. Also, more AAI talk.
Type 40 • A Doctor Who Podcast Episode 109: Limited Storage – Eve of the Daleks Review With the final adventure for the Thirteenth Doctor, as played by Jodie Whittaker looming on the horizon in the BBC Centenary Special, it's time for our Doctor Who podcast to catch-up on most recent goings on aboard the TARDIS. Beginning with this first of the 2022 specials, from New Years Day: Eve of the Daleks. Locked up with regular host, Dan Hadley for the duration of the latest tussle with between the Time Lord and those iconic monsters are Charlotte Shields and co-founder of the Fandom Podcast Network, Kyle Wagner. The tropes are well and truly out in force! But hey, it's a public holiday, right? There's bound to be some good point, yeah? As ever on our popular, spirited, and irreverent show we'll give our genuine, unsanitised and constructive takes on this episode of our favourite television series. Plus, breakdown the all-important ratings and AAI figures ahead of the conclusion to another era in the history of the worlds longest running Sci-Fi & Fantasy programme. Stream or download our review here: Find Type 40 • A Doctor Who Podcast feed here at: type40.podbean.com Listen to Type 40 on: Apple Podcasts, Spotify, Stitcher, Google Play, iHeart Radio, Tune In and the Podbean App. Or as part of FPNet Master Feed @Fpnet.podbean.com If you would like to contact us directly you can: Email: type40drwho@gmail.com Twitter: @type40drwho Instagram: @type40doctorwho Facebook: Type 40 • A Doctor Who Fan Page Join the Facebook group Type 40 • A Doctor Who Fan Group: http://bit.ly/type40_fbgroup Kyle Wagner on Twitter @AKyleFandom Dan Hadley on Twitter and Instagram @The_spacebook Subscribe to The Spacebook YouTube channel for extended and extra Type 40: https://www.youtube.com/channel/UCh8T5-mFYWblZo6lnakCSCw TeePublic Store: Help support the Fandom Podcast Network and wear some of their fantastic original designs and logos on t-shirts, mugs, hats and more from Tee Public Go to: https://www.teepublic.com/user/fandompodcastnetwork or just search Fandom Podcast Network to find our storefront. Please listen to our other awesome podcasts on the Fandom Podcast Network: Master Feed: https://fpnet.podbean.com/
Diana Moss, an economist and president of the American Antitrust Institute, says the Federal Energy Regulatory Commission appears to be stepping back from the bipartisan pro-competition policies that have defined FERC's approach to regulation of the electricity and natural gas industries for the last 30 years. FERC's electricity transmission rulemaking would cement monopoly control of grid expansions needed for reliability and clean-energy purposes by allowing utilities to exercise a "right of first refusal," or ROFR, in building new transmission expansion projects. And the commission's stalled natural gas pipeline certification proceeding, which was pulled back and reissued as a proposal after landing FERC Chairman Rich Glick in hot water with Sen. Joe Manchin, D-W.Va., effectively permits "affiliate precedent" self-dealing to persist. "After 25 years of careful and largely successful efforts to weave competition principles into the oversight of energy markets, FERC's commitment to promoting competition appears to be wavering," Moss concludes in a policy paper published on AAI's website.Support the show
Nancy Rivard, founder & CEO of Airline Ambassadors, was a flight attendant for more than a decade with American Airlines. She never imagined she would become a champion on the battlefront against human trafficking, but then one day her intuition told her that something wasn't right, and she knew she had to act. About Nancy Rivard & Airline Ambassadors Nancy Rivard, founder & CEO of Airline Ambassadors International (AAI), helps vulnerable children around the world. AAI is a non-profit organization that partners with the airline industry to provide training to airline and airport personnel, supporting many humanitarian causes. Recognized by both the US Congress and the UN, AAI has personally distributed more than $60 million in aid to children & families in 62 different countries. Nancy has received multiple awards, including the 2017 Human Rights Award from the United Nations for her leadership in spreading awareness about human trafficking. #jointhefight #endhumantrafficking #stophumantrafficking #marisolnicholspodcast CONNECT WITH NANCY RIVARD LinkedIn: https://www.linkedin.com/in/nancyrivard/ Facebook: https://www.facebook.com/nancy.rivard.372 Twitter: https://twitter.com/airline_amb Website: https://airlineamb.org/ FOLLOW MARISOL: Podcast → https://marisolnichols.com/podcast/ Website → https://marisolnichols.com/ Facebook → https://www.facebook.com/marisolnichols Instagram → https://www.instagram.com/marisolnichols/ TikTok → https://www.tiktok.com/@realmarisolnichols Twitter → https://twitter.com/marisolnichols BUSINESS/SPONSORS/INQUIRIES ↳ Info@MarisolNichols.com Learn more about your ad choices. Visit megaphone.fm/adchoices
So, this is a 400-level episode in specialty pharmacy options for plan sponsors, meaning here are your prerequisites: You gotta know what buy and bill is, and you gotta know what pharmacy bagging is, meaning white bagging, for example. If you do not, I would listen to Encore! EP282 with Aaron Mitchell, MD, MPH, where we go deep on buy and bill. And then listen to EP369 for the skinny on pharmacy bagging. If you already know what buy and bill is and you already know what white bagging is, then not only do you know more than 98% of the people in the healthcare industry, but also, you're going to get as much out of this conversation with Erik Davis and Autumn Yongchu as I did. Last week's show was also with Erik Davis and Autumn Yongchu. Last week, we talked about how some hospitals and cancer centers are managing to ring up up to six times the cost of an expensive-already injected or infused drug through buy and bill. This is why pharmacy bagging became a thing, if we want to talk about this in historical perspective. It's a direct market response to buy and bill. Hospital systems start making egregious amounts of money marking up drugs that already cost hundreds of thousands of dollars, and their markups are hundreds of thousands of dollars on top of that. Hospital starts making a fortune off of drug markups. Plan sponsors need an alternative, and … enter pharmacy bagging (ie, carving out specialty pharmacy drugs to a PBM [pharmacy benefit manager]). In this show, we compare the potential benefits and problematic loopholes and/or patient concerns for plan sponsors who are trying to figure out whether to carve out specialty pharmacy benefits to a PBM or grin and bear it with the buy and bill. Or, as another option, whether to steer patients to specific infusion centers or specific provider organizations that might have more favorable contract terms for the plan sponsor. Or, hooking up with a home infusion company, again, who is willing to negotiate terms that might be far better for said plan sponsor than just letting some hospital have their way with employees and the health plan. As another alternative, of course, plan sponsors could consider medical travel, which some certainly are. My biggest takeaway from this whole conversation and from the episodes that we have had in this, dare I call it, series about pharmacy benefits, starting with the show with Scott Haas (EP365) where we talked about PBM contracts, moving to the show with Dr. Aaron Mitchell (Encore! EP282) where we talked about buy and bill, then going to the show with Keith Hartman (EP369) where we talked about pharmacy bagging, then last week's show how hospitals manage to buy and bill at 6x the price of these expensive pharmaceuticals … my takeaway from this whole specialty drug extravaganza is that specialty drug procurement is very different than retail drug procurement. Retail drugs, you worry about them en masse at scale almost at the population level. Specialty drugs? You can have one patient on a specialty drug, and that one patient costs as much as the entire rest of the member population combined. So, managing specialty drugs and their administration becomes almost a case-by-case operation. What drug is it? Where is the patient? What options are available? It's possible to save hundreds of thousands of dollars on that one patient, for that one patient's care, and get better patient outcomes by getting the right patient on the right drug that is administered in the right setting. You can learn more by connecting with Erik and Autumn on LinkedIn or by emailing them at erik.davis@usi.com and autumn.yongchu@usi.com. Erik Davis, AAI, CIC, CRM, is senior vice president and principal consultant, managed care and analytics, at USI Insurance Services. He has over 30 years of experience in the insurance and risk management industry. Erik works to create an environment that supports the healthcare risk management goals of an organization while maintaining focus on compliance and financial accountability. He is instrumental in vendor negotiations, data benchmarking, population health strategies, claims analysis, recommendations in plan design, and communication strategies. In this capacity, Erik has been involved with development of rates, payment structures, and recommendations of changes in processes, policies, and procedures. He has a broad understanding of contract analysis, evaluating risk, auditing for correct payment, and structuring of excess loss and pharmacy programs. Erik's experience extends from overall employee benefits consulting to workers' compensation, as well as managed care organizations in Medicaid, Medicare, and commercial contractual risk arrangements. Erik earned his bachelor's degree in economics from Oregon State University. He holds Accredited Advisor in Insurance (AAI), Certified Insurance Counselor (CIC), and Certified Risk Manager (CRM) designations. Autumn Yongchu is a healthcare operational risk consultant at USI Insurance Services. Autumn works with multiple database platforms to examine data for trends and abnormalities. Using investigative querying, medical coding analysis, and report development, she provides resources that help identify cost control opportunities and assists organizations in strategic business decisions regarding the management of healthcare risks. Autumn analyzes and interprets healthcare utilization data, allowing the development of initiatives regarding claim and risk management. This includes identifying fiscal and clinical strategies and providing necessary information to develop, design, and implement management initiatives. Autumn also analyzes trends, assists with insurance underwriting, and adjudicates stop-loss claims. Autumn has an in-depth knowledge of Medicaid and Medicare billing guidelines and payment methodologies. Prior to joining USI, Autumn was a claims auditor and trainer for a managed care organization which serviced over 100,000 commercial, Medicaid, and Medicare lives. Her responsibilities included contract analysis, claims adjudication, ensuring accurate payment, and identifying and recouping errors. 04:45 Can you actually save money by carving out specialty infused drugs and making them a pharmacy benefit? 06:28 How can plan sponsors use white bagging as leverage to reduce costs from markups? 06:47 Does white bagging save money compared to buy and bill? 07:42 “You also need to understand that with some of these drugs, you're dealing with very vulnerable people.”—Erik 08:41 EP369 with Keith Hartman, RPh. 11:10 “When your insurance carrier is married to your PBM, it doesn't matter where the money goes.”—Autumn 11:33 EP365 with Scott Haas. 12:00 “You need to have a collective understanding of every variable … when you're making those … decisions.”—Erik 14:53 How can comparison shopping save plan sponsors money when it comes to specialty infusion costs? 16:51 How can comparison shopping be a vicious circle in the wrong setting for plan sponsors? 18:43 “That's part of the problem: It's not just the plan sponsor not being educated enough; it's also the consultant … that they believe is supposed to be that isn't.”—Erik 19:03 How has transparency been used by healthcare systems to keep buyers' eyes off the ball? 26:55 “It is very case by case, but it comes down to your risk appetite.”—Autumn 28:19 “It's something that you have to, as a plan sponsor, really continue to monitor throughout the plan year.”—Autumn 28:38 “The more you know, the better equipped you're gonna be.”—Autumn 29:27 What can employers who are feeling aggressive do? 31:19 “The dollars circle, whether people realize it or not.”—Autumn You can learn more by connecting with Erik and Autumn on LinkedIn or by emailing them at erik.davis@usi.com and autumn.yongchu@usi.com. Erik Davis and Autumn Yongchu discuss #buyandbill and #pharmabagging on our #healthcarepodcast. #healthcare #podcast #pharmacy #pharma Can you actually save money by carving out specialty infused drugs and making them a pharmacy benefit? Erik Davis and Autumn Yongchu discuss #buyandbill and #pharmabagging on our #healthcarepodcast. #healthcare #podcast #pharmacy #pharma How can plan sponsors use white bagging as leverage to reduce costs from markups? Erik Davis and Autumn Yongchu discuss #buyandbill and #pharmabagging on our #healthcarepodcast. #healthcare #podcast #pharmacy #pharma Does white bagging save money compared to buy and bill? Erik Davis and Autumn Yongchu discuss #buyandbill and #pharmabagging on our #healthcarepodcast. #healthcare #podcast #pharmacy #pharma “You also need to understand that with some of these drugs, you're dealing with very vulnerable people.” Erik Davis and Autumn Yongchu discuss #buyandbill and #pharmabagging on our #healthcarepodcast. #healthcare #podcast #pharmacy #pharma “When your insurance carrier is married to your PBM, it doesn't matter where the money goes.” Erik Davis and Autumn Yongchu discuss #buyandbill and #pharmabagging on our #healthcarepodcast. #healthcare #podcast #pharmacy #pharma “You need to have a collective understanding of every variable … when you're making those … decisions.” Erik Davis and Autumn Yongchu discuss #buyandbill and #pharmabagging on our #healthcarepodcast. #healthcare #podcast #pharmacy #pharma How can comparison shopping save plan sponsors money when it comes to specialty infusion costs? Erik Davis and Autumn Yongchu discuss #buyandbill and #pharmabagging on our #healthcarepodcast. #healthcare #podcast #pharmacy #pharma How can comparison shopping be a vicious circle in the wrong setting for plan sponsors? Erik Davis and Autumn Yongchu discuss #buyandbill and #pharmabagging on our #healthcarepodcast. #healthcare #podcast #pharmacy #pharma “That's part of the problem: It's not just the plan sponsor not being educated enough; it's also the consultant … that they believe is supposed to be that isn't.” Erik Davis and Autumn Yongchu discuss #buyandbill and #pharmabagging on our #healthcarepodcast. #healthcare #podcast #pharmacy #pharma How has transparency been used by healthcare systems to keep buyers' eyes off the ball? Erik Davis and Autumn Yongchu discuss #buyandbill and #pharmabagging on our #healthcarepodcast. #healthcare #podcast #pharmacy #pharma “It is very case by case, but it comes down to your risk appetite.” Erik Davis and Autumn Yongchu discuss #buyandbill and #pharmabagging on our #healthcarepodcast. #healthcare #podcast #pharmacy #pharma “It's something that you have to, as a plan sponsor, really continue to monitor throughout the plan year.” Erik Davis and Autumn Yongchu discuss #buyandbill and #pharmabagging on our #healthcarepodcast. #healthcare #podcast #pharmacy #pharma “The more you know, the better equipped you're gonna be.” Erik Davis and Autumn Yongchu discuss #buyandbill and #pharmabagging on our #healthcarepodcast. #healthcare #podcast #pharmacy #pharma What can employers who are feeling aggressive do? Erik Davis and Autumn Yongchu discuss #buyandbill and #pharmabagging on our #healthcarepodcast. #healthcare #podcast #pharmacy #pharma “The dollars circle, whether people realize it or not.” Erik Davis and Autumn Yongchu discuss #buyandbill and #pharmabagging on our #healthcarepodcast. #healthcare #podcast #pharmacy #pharma Recent past interviews: Click a guest's name for their latest RHV episode! Erik Davis and Autumn Yongchu (EP370), Keith Hartman, Dr Aaron Mitchell (Encore! EP282), Stacey Richter (INBW34), Ashleigh Gunter, Doug Hetherington, Dr Kevin Schulman, Scott Haas, David Muhlestein, David Scheinker, Ali Ucar, Dr Carly Eckert, Jeb Dunkelberger (EP360), Dan O'Neill, Dr Wayne Jenkins, Liliana Petrova, Ge Bai, Nikhil Krishnan, Shawn Rhodes, Pramod John (EP353), Pramod John (EP352), Dr Eric Bricker, Katy Talento, Stacey Richter (INBW33), Stacey Richter (INBW32), Dr Steve Schutzer (Encore! EP294), Lisa Trumble, Jeb Dunkelberger
I have been on a mission to figure out why some health systems, particularly in the oncology space but not limited to the oncology space, could manage to mark up the price of infused specialty pharmacy drugs up to 6x. Some employers and patients are paying six times the cost of a specialty pharmacy drug in markup for some already incredibly expensive specialty pharmacy drug at some oncology centers. Read more about this in a study by Roy Xiao, MD, and colleagues. Let's not forget now or ever that financial toxicity is clinical toxicity. This 6x is exactly how financial toxicity is operationalized. Many patients are charged a coinsurance percentage based on their cost of care, after all; and like 20% of 6x is a huge number, it is a huge bankrupting bill for some patients—maybe many patients. That, plus their premiums go up because, of course, their employers are picking up the remaining 80% of that 600% markup. Families are already, on average, paying I think it's $22,000 in premium; and the trend line on that premium growth continues to go up steeply in the 2022-23 projections that I have seen. Bottom line: This 6x is not a victimless modus operandi is my point. But what I wanted to know is how they do it, these health systems. Charging 6x the cost of a super expensive specialty pharmacy drug in markup would seem to require some skill, right? And any time I see a Pandora's box, I have a terrible habit of trying to get in there. Autumn Yongchu and Erik Davis to the rescue. Today's show digs into how some health systems and hospitals stack the odds that no one will notice their 6x markups and just pay the bills. Here's the short version of the playbook, but you'll need to listen to the show for a more robust explanation. First off, keep in mind that while Medicare Part B tells hospitals to charge ASP (average sales price) + 6% (ish) when they buy and bill Medicare patients, there is no such guidance for commercial patients. Commercial insurers negotiate a fee off chargemaster rates, and as we all know, those chargemaster prices are, in general, based on absolutely nothing and are, in general, sky-high. So that's the first thing. The second thing gets into coding. Let me give you the general idea here, but we talk about this in some depth in the conversation to come. As you likely know, hospitals get paid by sending bills with codes on them—procedure codes, for example. We the hospital did this procedure, and our charge for this procedure is $4000—so, here you go. Code followed by dollar amount is shown on somebody's bill or explanation of benefits document. These procedure codes are standardized across the industry for the most part. It's not like every health system and/or payer is making up their own. This standardized set of procedure codes is called the Healthcare Common Procedure Coding System, affectionally known as HCPCS. So, if someone starts talking about a HCPCS code, all it means is that the code comes out of that standard set of codes. Now, J-codes are one kind of code in this common procedure coding system. They are procedure codes that start with a “J.” These J-codes are for procedures involving (usually) specialty pharmacy drugs. A J-code identifies the specialty pharmacy drug that was used in the procedure. So, you'd think it'd be pretty easy to audit a hospital bill, right? You look at the J-code on the bill; you find the ASP, the average sales price, or whatever of the drug; and then you get out your trusty calculator and you do the math on what the markup is. And okay, maybe this works sometimes … but the problem is that so very, very often, the hospital doesn't put the actual drug's J-code on the bill. There's this miscellaneous J-code that doesn't specify the drug used, which is a quite common tactic, it seems. (I learned that in this episode.) Hospital just sticks “Miscellaneous chemotherapy” on a bill with a price after it, and nobody knows what drug was used. Or the hospital will send a bill that just includes revenue codes. I think about revenue codes as the name of the section of the bill. It's like on a menu: There's that section, that headline, that says “Seafood” with a whole list of seafood dishes underneath it. In this example, the Seafood header is like the revenue code; and the J-codes are the actual dishes. Some bills come from the hospital, and all they have on them are the revenue code. There was some seafood. We're not gonna tell you what dish or how much seafood, but yeah, seafood. The only thing we know about seafood is that there was some and it was very pricy. Here's a great example of a bill with some explanations. The main point here is that how health systems get away, in large part, with charging a whole lot for specialty pharmacy drugs is that their bills roll up charges into these very opaque codes that include lots and lots of stuff that is not broken out. When I interviewed Marshall Allen (EP328) and we talked about his book Never Pay the First Bill, he said step one in getting an accurate and fair bill is to ask for the line item charges—and now that is totally making sense to me and also why this is so vital. Just be aware, if you ask for these breakouts, you will likely get a huge box of hard copies. Check out this photo of a literally three-foot pile of printouts that one patient-turned-artist exhibited at an art show recently that I saw. If you don't have the stamina to sort through all of those pages and pages and pages, you could be subject to 6x or more in markups or billing errors which are all too common and all too expensive. Hospital charges are a huge chunk of any employer's healthcare spend, after all—over half of it in some cases. These are not small potatoes that we're talking about. These are bills that bankrupt patients and make premiums go so high that patients cannot afford to get care. In this healthcare podcast, as mentioned earlier, we have two guests—Erik Davis and Autumn Yongchu—both from USI Managed Care Consulting and both having spent decades deep in the inner workings of the healthcare industry. And the topic of today's show required that depth of knowledge, for sure. You can learn more by connecting with Erik and Autumn on LinkedIn or by emailing them at erik.davis@usi.com and autumn.yongchu@usi.com. Erik Davis, AAI, CIC, CRM, is senior vice president and principal consultant, managed care and analytics, at USI Insurance Services. He has over 30 years of experience in the insurance and risk management industry. Erik works to create an environment that supports the healthcare risk management goals of an organization while maintaining focus on compliance and financial accountability. He is instrumental in vendor negotiations, data benchmarking, population health strategies, claims analysis, recommendations in plan design, and communication strategies. In this capacity, Erik has been involved with development of rates, payment structures, and recommendations of changes in processes, policies, and procedures. He has a broad understanding of contract analysis, evaluating risk, auditing for correct payment, and structuring of excess loss and pharmacy programs. Erik's experience extends from overall employee benefits consulting to workers' compensation, as well as managed care organizations in Medicaid, Medicare, and commercial contractual risk arrangements. Erik earned his bachelor's degree in economics from Oregon State University. He holds Accredited Advisor in Insurance (AAI), Certified Insurance Counselor (CIC), and Certified Risk Manager (CRM) designations. Autumn Yongchu is a healthcare operational risk consultant at USI Insurance Services. Autumn works with multiple database platforms to examine data for trends and abnormalities. Using investigative querying, medical coding analysis, and report development, she provides resources that help identify cost control opportunities and assists organizations in strategic business decisions regarding the management of healthcare risks. Autumn analyzes and interprets healthcare utilization data, allowing the development of initiatives regarding claim and risk management. This includes identifying fiscal and clinical strategies and providing necessary information to develop, design, and implement management initiatives. Autumn also analyzes trends, assists with insurance underwriting, and adjudicates stop-loss claims. Autumn has an in-depth knowledge of Medicaid and Medicare billing guidelines and payment methodologies. Prior to joining USI, Autumn was a claims auditor and trainer for a managed care organization which serviced over 100,000 commercial, Medicaid, and Medicare lives. Her responsibilities included contract analysis, claims adjudication, ensuring accurate payment, and identifying and recouping errors. 07:33 How do hospitals maximize inpatient bills? 08:05 How can hospitals upcode on specialty pharmacy products? 09:44 “It's really not uncommon to be overbilled and overcharged.”—Autumn 11:11 Why do marked up bill charges actually affect the price commercial payers pay? 12:49 “If your payer's not double-checking … how do you know that fraud's happening?”—Autumn 12:52 “If the payer doesn't have the detail to validate what that drug actually is, then are they really checking?”—Autumn 13:33 Why is it so hard to verify what you're actually paying for on a hospital bill? 16:28 How do hospitals maximize profit with outpatients? 17:12 “Really it comes down to contracts and how [the] contracts are written.”—Autumn 21:54 “There are … silos within healthcare, and none of them actually talk to each other.”—Autumn 24:56 “There are these rules out there, but there are also big loopholes out there.”—Autumn 26:13 How can hospitals maximize payments for Medicare patients on drugs that have been out for a while? 29:30 “We just have a tendency to assume … that Medicare has a rate for everything, and Medicare doesn't.”—Autumn 30:32: EP369 with Keith Hartman, RPh. You can learn more by connecting with Erik and Autumn on LinkedIn or by emailing them at erik.davis@usi.com and autumn.yongchu@usi.com. Erik Davis and Autumn Yongchu discuss #specialtypharma billing in #healthsystems on our #healthcarepodcast. #healthcare #podcast #hospitalsystems How do hospitals maximize inpatient bills? Erik Davis and Autumn Yongchu discuss #specialtypharma billing in #healthsystems on our #healthcarepodcast. #healthcare #podcast #hospitalsystems How can hospitals upcode on specialty pharmacy products? Erik Davis and Autumn Yongchu discuss #specialtypharma billing in #healthsystems on our #healthcarepodcast. #healthcare #podcast #hospitalsystems “It's really not uncommon to be overbilled and overcharged.” Erik Davis and Autumn Yongchu discuss #specialtypharma billing in #healthsystems on our #healthcarepodcast. #healthcare #podcast #hospitalsystems Why do marked up bill charges actually affect the price commercial payers pay? Erik Davis and Autumn Yongchu discuss #specialtypharma billing in #healthsystems on our #healthcarepodcast. #healthcare #podcast #hospitalsystems “If your payer's not double-checking … how do you know that fraud's happening?” Erik Davis and Autumn Yongchu discuss #specialtypharma billing in #healthsystems on our #healthcarepodcast. #healthcare #podcast #hospitalsystems “If the payer doesn't have the detail to validate what that drug actually is, then are they really checking?” Erik Davis and Autumn Yongchu discuss #specialtypharma billing in #healthsystems on our #healthcarepodcast. #healthcare #podcast #hospitalsystems Why is it so hard to verify what you're actually paying for on a hospital bill? Erik Davis and Autumn Yongchu discuss #specialtypharma billing in #healthsystems on our #healthcarepodcast. #healthcare #podcast #hospitalsystems How do hospitals maximize profit with outpatients? Erik Davis and Autumn Yongchu discuss #specialtypharma billing in #healthsystems on our #healthcarepodcast. #healthcare #podcast #hospitalsystems “Really it comes down to contracts and how [the] contracts are written.” Erik Davis and Autumn Yongchu discuss #specialtypharma billing in #healthsystems on our #healthcarepodcast. #healthcare #podcast #hospitalsystems “There are … silos within healthcare, and none of them actually talk to each other.” Erik Davis and Autumn Yongchu discuss #specialtypharma billing in #healthsystems on our #healthcarepodcast. #healthcare #podcast #hospitalsystems “There are these rules out there, but there are also big loopholes out there.” Erik Davis and Autumn Yongchu discuss #specialtypharma billing in #healthsystems on our #healthcarepodcast. #healthcare #podcast #hospitalsystems How can hospitals maximize payments for Medicare patients on drugs that have been out for a while? Erik Davis and Autumn Yongchu discuss #specialtypharma billing in #healthsystems on our #healthcarepodcast. #healthcare #podcast #hospitalsystems “We just have a tendency to assume … that Medicare has a rate for everything, and Medicare doesn't.” Erik Davis and Autumn Yongchu discuss #specialtypharma billing in #healthsystems on our #healthcarepodcast. #healthcare #podcast #hospitalsystems Recent past interviews: Click a guest's name for their latest RHV episode! Keith Hartman, Dr Aaron Mitchell (Encore! EP282), Stacey Richter (INBW34), Ashleigh Gunter, Doug Hetherington, Dr Kevin Schulman, Scott Haas, David Muhlestein, David Scheinker, Ali Ucar, Dr Carly Eckert, Jeb Dunkelberger (EP360), Dan O'Neill, Dr Wayne Jenkins, Liliana Petrova, Ge Bai, Nikhil Krishnan, Shawn Rhodes, Pramod John (EP353), Pramod John (EP352), Dr Eric Bricker, Katy Talento, Stacey Richter (INBW33), Stacey Richter (INBW32), Dr Steve Schutzer (Encore! EP294), Lisa Trumble, Jeb Dunkelberger, Dr Ian Tong
© 2020-2025 Ivy Podcast Discovery LLC
