Podcasts about ACH

260916PC Aus der Enge in die Weite Mensch Mahler am 16.09.2026Es hat lange gedauert, bis ich den Weg aus der Enge in die Weite endgültig gewagt habe. Ich bin in eine pietistische Glaubensgemeinschaft mit vielen Regeln und Vorschriften hineingeboren worden. Es gab ein enges moralisches Korsett, gegen das man nicht verstoßen durfte. Wenn man es doch tat, lebte man in Sünde und musste dafür mit irgendwelchen Bußübungen bezahlen. Ein probates Mittel der Kirche und vielen anderen Religionsgemeinschaften weltweit. 1975 habe ich Theologie studiert und bin 5 Jahre später als Pastor in den Gemeindedienst gegangen. Nach 6 Jahren in der Kirche wechselte ich in die Friedensbewegung als hauptamtlicher Geschäftsführer. Danach Medienarbeit – 30 Jahre lang. Ganz zum Ende meiner beruflichen Tätigkeit habe ich dann doch noch einmal für 3 Jahre den Gemeindepastor gegeben.Meine Entwicklung verlief stetig und unaufhaltsam in Richtung Liberalität und Weite. Ich bin nicht nur meiner Freikirche, sondern der Kirche allgemein und auch den anderen Religionsgemeinschaften entwachsen. Beim Erwachsenwerden eben. Lange Zeit wollte ich mir das nicht eingestehen und habe Kompromisse gemacht. Ich habe gepredigt, und dabei fundamentale Glaubensgrundlagen elegant umschifft. Wie etwa die Trinität, die Opfertheologie, die sogenannte Jungfrauengeburt oder die Auferstehung von den Toten. Verlassen konnte ich die Kirche nicht - für mich war sie eben auch immer Heimat. Die soziologische Zusammengehörigkeit der Gruppe war mir zeitlebens wichtiger als theologische Fragen.Ich musste sehr alt werden – nächsten Monat werde ich 73 – um endlich zu dem zu stehen, was ich glaube. Und nicht glaube. Ich werde die Gemeinschaft mit Menschen, die mir etwas bedeuten, nicht verlassen. Die kirchliche Dogmatik habe ich längst verlassen. Ich habe während meines Studiums in Hamburg eine Ortsgruppe von amnesty international geleitet. Die Vielfalt der Weltanschauungen hat mich schon damals fasziniert. Und dass sie für das gemeinsame Ziel keine Rolle spielen. Ich war SPD-Genosse, wenn auch nur kurz, jetzt bin ich Mitglied bei den Grünen. Und ganz ehrlich: Das genügt vollauf. Ach so, und beim VfB Stuttgart. Mehr Mitgliedschaften will und brauche ich nicht. Schon gar nicht die in einer Kirche, hinter deren zentralen Aussagen ich nicht stehen kann. Hosted on Acast. See acast.com/privacy for more information.

Ach, ist das bitter. Das letzte Play des Spiels, die 2-Point Conversion, soll nicht aufgehen und so verlieren die New Orleans Saints knapp ihren Season Opener gegen die Detroit Lions mit 31:30. Dabei sah es langezeit eher nach einer deutlichen Klatsche für die Saints aus. Einmal mehr schaffte man es nicht zügig in das Spiel zu starten. Doch in der zweiten Halbzeit und vor allem im 4th Quarter erhöhte die Mannschaft rund um Kellen Moore und glichen dann spät nochmals aus. Grund genug für Hoffnung? Diese Frage, sowie ob Mike Pereira mit seiner Aussage die NFL in den nächsten Skandal schleuderte, das und vieles mehr besprechen Julez und Phil in der ersten Ausgabe der Overtime für die neue Saison. Wir wünschen wie immer viel Spaß und WHP DAT ?!

Sami Zayn is a 2X WWE Champion and somehow the SmackDown main event scene keeps getting more unpredictable. The Good Brothers are back for BGW 247 to break down everything happening in wrestling this week, including Stephanie Vaquer winning the Women's World Championship in Chile and why it was time for the title to come off Liv Morgan, our thoughts on ASÉ Wrestling: This Is It, the latest with 946, Bayley going from Hugger to Grind Runner, why Steven Borden has STAR written all over him, and everything coming out of AEW Dynamite: Rebel Heart and Collision. We also show some love to ACH and open the show by sending our love to Rebel and remembering Butcher. Tap in with Scotland, Nolo, DMac, Chaz, LO, Deascent and the Good Brothers for another week of wrestling, culture and community.► BGW is LIVE
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Habt ihr euch schon immer Mal gefragt, was sich hinter dem Haus der Simpsons befindet? Ja, ich auch! Und dank Staffel 17, Folge 2 weiß ich es jetzt! Danke, Staffel 17, Folge 2! Denn da ist jetzt ein Friedhof, und Lisa hat Angst davor. Doch ein Kind, das Angst vor der eigenen Sterblichkeit hat, kann die Familie verständlicherweise nicht auf sich sitzen lassen. Was folgt, ist... Ach, hört doch einfach selbst rein!Viel Spaß und Vielen Dank an Charlie für den Folgenwunsch!

Join Allen Kopelman for a B2B podcast episode featuring guest Travis D. Lombardi-Spicer. Learn how to navigate modern business.In this episode of B2B Vault, we sit down with Travis D. Lombardi-Spicer to discuss the realities of running a business in today's landscape. Whether you are a founder or a decision-maker, these conversations provide actionable business growth strategies that you can apply immediately to your operations. We focus on the intersection of leadership and practical application, helping you avoid common pitfalls that hinder scaling.Our discussion also covers essential fintech insights, including how payment technology and automation are shifting the way companies handle transactions and compliance. By understanding these trends, you can better position your organization for long-term success. This B2B podcast is dedicated to equipping entrepreneurs with the knowledge needed to compete in a fast-changing market.Subscribe for weekly entrepreneurship advice and leadership breakdowns, and let us know in the comments what business challenges you are currently facing.

Was war denn da los, meine Damen und Herren? Von dieser backfrischen Folge Gästekurve wird man noch angetrunken den Urenkeln erzählen - SO viel Spaß für so wenig Geld gibt es sonst nur am Parkscheinautomat, der ausschließlich Münzen akzeptiert. Eure beiden Lieblingshobbyastronauten haben keine Kosten und Mühen gescheut, um euch diesen Meilenstein der Unterhaltung in die flauschigen Öhrchen zu pusten…vorneweg: Es geht nicht eine Minute um Fuppes! Nix, null, nada, zero! Stattdessen lassen wir uns aus über das Phänomen der „Manosphere“ (Henning Baum nickt grinsend), Boris Beckers Biobuch „Inside“, Geld und Vernunft, Frauen vs Männer (das einzig wahre Derby), Flinten-Uschis steile Karriere und Maschmeyers neuen Singlestatus. Ach ja: Eschi hatte eine Eier-OP und Schiffi geht bald in den Mutterschutz…Kurvis, nehmt euch Verpflegung mit, es wird deftig. ❤️ Learn more about your ad choices. Visit podcastchoices.com/adchoices

Feuer frei, der Podcast der guten Laune ist da. Andreas Stimmung wechselt in diesen Rund 50 Minuten in die richtige Richtung. Grund ist 1 Rant! Musste sein, ist richtig, genau so!Genau so nicht gilt wie immer für Hannover 96 und den HSV. Ach ja, Fußball. Eigentlich ne geile Erfindung, aber irgendwie dann doch nicht immer wieder eine Belastung. Tobi hat vergessen vom Ausflug in die Niederlande zu erzählen. Macht nichts. Vielleicht später mal. Und n bisschen geht's dann auch in eine wilde Richtung und Andreas und Tobi landen im Jahr 2001 – als vielleicht wirklich alles n bisschen besser war. Unter https://www.kicktipp.de/mspwgem/ könnt Ihr weiterhin am Tippspiel teilnehmen. Liga 1 komplett und das wichtigste, beste und tollste Spiel der 2. Liga wird getippt. Seid dabei!Damit Ihr keinen Podcast verpasst und immer up2date seid, könnt Ihr uns auf Twitter und Instagram und bluesky und Threads folgen:www.twitter.com/DieWGPodcastwww.instagram.com/DieWGPodcastwww.threads.net/@diewgpodcastwww.bsky.app/profile/diewgpodcast.bsky

Stuart Webb of Complete Approach joins Allen Kopelman on B2B Vault – The Biz To Biz Podcast to break down what it really takes to grow and increase the value of a business.They discuss scaling without breaking your business, improving cash flow, recurring revenue, AI, robotics, changing SEO strategies, customer experience, and why business owners need to identify the bottlenecks holding them back.Stuart also shares a simple question every business owner should ask: “If your business doubled tomorrow, what would break first?”Listen in for practical insights on building a business that can scale, operate efficiently, and create long-term value.

Absolute Weltpremiere! Zum ersten Mal in der Geschichte dieses Podcasts durften wir live vor Publikum aufnehmen. Danke an alle, die dabei waren – es war uns ein Fest! Für diesen besonderen Anlass haben wir uns natürlich einen hochkarätigen Gast geangelt: DBB-Vizepräsident Mithat Demirel spricht mit uns über die anstehende Frauen-WM. Was euch bei dem Turnier erwartet, wie es um den deutschen Frauenbasketball steht und welche Chancen die deutsche Mannschaft hat, erfahrt ihr in dieser Episode. Und weil ihr schon einmal da wart, haben wir uns natürlich auch ausführlich euren Fragen gewidmet. Kurz gesagt: volles Programm. Viel Spaß beim Hören! Ach ja, und sorry für Pers Ton in den ersten Minuten. Nach rund drei Minuten haben wir den richtigen Hebel gefunden – ab dann ist Per klar und deutlich zu verstehen. Kleine Live-Premieren-Panne inklusive.

Patrick McKenzie (patio11) reads his Bits About Money essay on the business of wallets, with new commentary, prompted by paying his barber $100 over Venmo and wondering why PayPal so badly wants to be in the middle of that transaction. He walks through the economics that make wallets irresistible to anyone already moving money for users: funds enter the ecosystem at card interchange rates, move inside it at the cost of a database transaction, and get topped up over ACH pulls that cost about five cents at scale. From there he covers co-branded debit and credit cards, the loss-sharing language in PayPal's 10-K, Apple's 15 basis points on Apple Pay, and why a checkout page crowded with payment buttons starts to look like advertising inventory.–Full transcript available here: https://www.complexsystemspodcast.com/everyone-wants-to-be-your-wallet/–Presenting Sponsors: Mercury & GranolaComplex Systems is presented by Mercury—radically better banking for founders. Mercury Spend hands your team and agents their own cards with limits you set once, so nobody waits on you to approve a SaaS invoice and nobody chases a receipt. Apply online in minutes at https://mercury.com/. If meetings consistently leave you with hazy action items and lost context, Granola handles the transcription so you can actually participate and gives you searchable notes afterward. Try it free at granola.ai/complexsystems with code COMPLEXSYSTEMS–Links:Source essay: https://www.bitsaboutmoney.com/archive/the-business-of-wallets/Link: https://stripe.com/payments/link –Timestamps:(00:00) Intro(03:06) The big question about wallets(04:11) Wallets show up early in the life of the Internet(06:01) Stocks, flows, and whatever the heck a wallet is(09:21) What does an ACH pull cost?(11:01) Extensions on the basic wallet model(11:38) What's in your wallet? A new debit card(14:49) Sponsors: Mercury | Granola(18:09) What's in your wallet? A new debit card (cont'd)(23:06) Put the wallet on the phone already(24:50) That smells like an ads business(27:33) Speaking of Stripe and wallets(32:52) Wrap

Für uns war AEW All In London wohl das bisher beste AEW PPV ever. Welch eine runde Show, welch ein Wrestling-Event! Entsprechend emotional wurde diese Review, natürlich vor allem wegen der großen Heldengeschichte des überragenden Will Ospreay; aber auch wegen des "wahren Helden" Kenny Omega, der fürs Wembley Stadium schier Unmögliches vollbrachte. Wir ballern uns durch eine verflucht unterhaltsame Card, sprechen über alle Matches, Debüts und etliche Titelwechsel. Ey, The New Level sind angekommen – wir müssen über AEWs Tag Team Division quatschen. Kyle Fletcher wird von uns in den Himmel gehoben. Darby Allin fällt aus dem Himmel. Sting & Sohn liefern ab. Und, und, und. Ach ja, und Niklas wird natürlich hart wegen Andrade. Legt euch rein in diese Review. AEW war nie besser. Wir freuen uns wie immer mega über Kommentare und Feedback auf Instagram, Threads, Bluesky, Twitter & Facebook. Unterstützt den SCHWITZKASTEN gern auch auf Patreon dabei, der beste deutsche Wrestling Podcast zu sein.

Vör twee Johr heff ick mi 'n nieded Smartfohn köfft, in so'n ganz bekannten Elektronik-Loden. Un vun den Verkööper heff ick mi to den Ackersnacker noch 'n Anti-Vier'n-Programm andreihn loten. Dat kunn ick ook för mien Kompjuter to Huus un so wieder insetten. Ganz wat Gooded schull dat ween, un blots fief Euros schull dat kosten. De Verkööper weer so fründli, un ick heff mi dorop inloten. Op de fief Müüs keem dat nu ook ni mehr an. Üm dat Schutz-Programm to aktiviern, heff ick to Huus noch düt un dat ingeeven musst. Ook mien Bankverbinnung. Ick geev to, wat ick mi dat allns ni so ganz genau dörleest heff, as dat nu mol so is, bi so veeled, to dat man hüütigendogs tostimm‘ mutt. Tscha, een Johr wieder hett de Anti-Vier'n-Firma sick denn overs mitmol 129 Euros vun mien Konto holt. Dat weer 'n düchtigen Sprung vun fief Euros. Ick wull mi dat noch trüchholn, overs in't Lüttgedruckte harr ick dat allns to Anfang tostimmt. Dat Geld weer wech. Dor wull ick den Schiet direkt künnigen. Also bün ick op de Internet-Sied vun de Firma gohn. Irgendwat mit Affe un Mäck weer de Noom, meen ick. Annerlei. Dor jedenfalls, wonehm dat op de Sied no de Künnigung gohn schull, keem blots de Mellung, „diese Seite kann nicht angezeigt werden“. Hmm. No dat ick mi denn dör ettliche Internetforums leest harr, keem ick op de Lösung. Tehmli figeliensch weer dat, ganz versteekt. Un denn gung dat los. Siet de Künnigung, keem jede Week mehrere E-Mails vun de Open-Firma. Ick schull doch blieven un op den Schutz ni verzichen. Un denn gung de Pries no ünnen. Intwüschen schall ick blots noch even över 30 Euros in't Johr betohn. Ach wat, mit 30 Euros reekend sick de Krom anschiend ook. Overs de künnt mi mohl dor kleihn, wonehm de Sünn ni schient. An't Enn vun dat Kapitel froog ick mi: Wenn de dorste Firma een vör Vier'n ut‘ Internet schützen schall, wokeen schützt een denn vör de Firma? Un vun den Elektronik-Loden lot ick mi ni nochmol so'n Plünnkrom andreihn. Ick bün doch ni bleud… In düssen Sinn

Die Transferphase ist vorbei und so richtig glücklich scheint keiner zu sein, der es mit Hannover 96 hält. Wie bewerten wir den Transfer-Sommer? Wo sehen wir die Neuzugänge und was fehlt uns für das erklärte Aufstiegsziel? All das besprechen wir in unserer XXL Folge... Ach ja, über das Freitagsspiel gegen Karlsruhe hatten wir auch noch etwas zu sagen.https://www.vnwpod.de/impressum/

Zweiter Teil von meinem Reisebericht unserer Reise nach Brügge. Heute gibt es auch Fotos, die auch die vorherige Episode zeigen. Ist halt so bei analog, nech, das dauert halt. Ach und übrigens: Sonnenfinsternis kommt in EP 607 ;)

Hallo Freunde fürs Extraleben,Manuel und Lammo bilden diese Woche abermals ein Duo und es gibt einiges zu besprechen. Die Gamescom öffnete, wie auch schon die letzten Jahre, mit der Opening Night Live von und mit Geoff Keighley. Die beiden besprechen, ob es sich lohnte, sich die Show die knapp zwei Stunden anzuschauen. Die noch größere Attraktion als die ONL war aber wohl das große GTA 6 Reveal, das mit 6 Stunden Exklusivität bei Netflix und anschließend auf allen Kanälen gesendet wurde.Neben diesen beiden großen Punkten gibt es aber noch einige weitere interessante Themen: Es gibt Details zum disc to digital-Programm von Xbox, Konami möchte jede Menge Silent Hill Spiele, das kommende Bloodstains-Spiel wird auf 2027 verschoben u.v.m.Ach ja...Manuel spielt Elden Ring, lol. Viel Spaß!Dies und Das03:58 Twilight ImperiumWas wird denn hier gespielt?13:58 Manuels und Lammos Fazit zu Big Walk18:52 Lammos Fazit zum Nioh 3 dlc31:55 Manuel spielt…na was wohl?)49:15 Lammos Update zu Divinity: Original Sin 2Nachrichten aus der Spielebranche54:17 Die Gamescom Opening Night Live1:37:18 Rockstar zeigt 25 Minuten GTA 61:41:40 Maverick Games finden neuen Publisher für Clutch1:44:24 Xbox verkündet Details zum disc to digital-Programm1:52:00 Playdate gibt Zollrückzahlungen an Kunden weiter1:53:46 Jedes Jahr ein Silent Hill Spiel?1:57:19 Diebstähle im Business-Bereich der Gamescom2:02:13 Bloodstained: the scarlet engagement wird auf 2027 verschobenffelpodcast@gmail.comExtrafreunde@social.colognehttps://www.facebook.com/Extrafreundehttps://www.instagram.com/extrafreundehttps://www.youtube.com/channel/UCGusrYncNi-relSm6YC8k7Q

Haie InternationalAm Donnerstag startet die CHL-Saison. Die Haie sind endlich wieder international vertreten. Wir blicken in dieser Episode auf die letzten Tage der Vorbereitung, auch die Junghaie (und deren Trikots) und dann eben auf die CHL.Am Wochenende geht es für U20 und U17 wieder im Punkte. Die U20 startet mit zwei Heimspielen gegen Füssen in die Qualirunde und die U17 startet in Wolfsburg. Beide Teams haben das klare Ziel Meisterrunde.Das Ihr bei uns die schwarzen Junghaie-Trikots bestellen könnt, hat sich schon rumgesprochen und auch hier nochmal die Infos zur Bestellung. Wir haben schon über 150(!) Bestellungen.Was ist in der letzten Zeit so rund um die Gummersbacher Straße passiert? Wir haben die wichtigsten News nochmal für Euch zusammengefasst. Ach ja… Nicht ganz Haie, aber einen neuen Bundestrainer gibt es natürlich auch.Das letzte Testspiel gegen einen DEL-Konkurrenten gab es am vergangenen Freitag gegen die Löwen Frankfurt. Der klare Sieg der Haie spiegelt das Spiel schon gut wider.Zum Ende der Testspielphase schauen wir uns einzelne Aspekte auch nochmal etwas detaillierter an.Auf geht's nach Europa! Haie International. Zuerst erklären wir Euch den Modus der CHL – dem ein oder anderen Fußballinteressierten kommt er sicherlich bekannt vor. Worauf gilt es zu achten und was sind die Tiebreaker der CHL?Die CHL ist eine innovative Liga, die einige Anpassungen ans Regelwerk vorgenommen hat, welche das genau sind erklären wir Euch damit Ihr nicht extra fragen müsst ;-)Wer überträgt wann was? Wir sagen es Euch. Kurz und knapp: Sporteurope alles, Magentasport ausgewähltes.Wir schauen auf die Gegner der ersten zwei CHL-Wochen und stellen Euch Salzburg, Tappara, Frölunda und Klagenfurt mal etwas genauer vor. Der ein oder andere Name kann einem dabei schon bekannt vorkommen.Nochmal die Erinnerung an die WM-WG und an die Junghaie-Trikots. Eine Extraankündigung fürs Tippspiel – kommt zum CHL-Start – gibt es aber im Podcast nicht extra. Und jetztWo könnt ihr uns überall folgen und liken? Wie erreicht Ihr uns? Wo findet Ihr uns?Folgt dem Sharkbite gerne auf Bluesky⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ kommt in den WhatsApp Kanal und abonniert die Podcastfeeds beim Anbieter Eurer Wahl.  00:00 Einleitung01:55 Junghaie07:30 Haie News14:00 Testspiel Frankfurt09:30 Testspiel Iserlohn29:20 CHL-Modus36:10 CHL-Regeln41:00 CHL-Übertragung44:05 CHL-Gegner63:30 Ausleitung

DIE FAXGERÄTE GLÜHEN! COSTA KOCHT! UND SAMBI LOKONGA STEHT SCHON MIT LAUFENDEM MOTOR VORM FLUGHAFEN!Einen Tag vor dem Deadline Day herrscht beim HSV Transfer-Fieber. Die Zutaten für Claus Costas Süppchen? Angeblich ziemlich scharf: Fábio Vieira und die Wachtel aus Marokko! So zwitschern es jedenfalls die norddeutschen Vögel von den Bäumen – und ihr liebliches Transferlied schallt bereits über Elbe, Alster und Bille.Ach ja, Fußball wurde auch gespielt: In Dortmund war der BVB noch eine Nummer zu groß. Trotzdem gab's Licht im Schatten und einiges, worauf sich aufbauen lässt.Jetzt kommt Mainz in den Volkspark. Und natürlich hat Lasse den Jinx schon gezündet: ... Dieser Podcast wird vermarktet von der Podcastbude.www.podcastbu.de - Full-Service-Podcast-Agentur - Konzeption, Produktion, Vermarktung, Distribution und Hosting.Du möchtest deinen Podcast auch kostenlos hosten und damit Geld verdienen?Dann schaue auf www.kostenlos-hosten.de und informiere dich.Dort erhältst du alle Informationen zu unseren kostenlosen Podcast-Hosting-Angeboten. kostenlos-hosten.de ist ein Produkt der Podcastbude.

Government contractors who submit invoices to federal agencies can receive up to 90% of that invoice amount the same day through receivables-based funding, at a fee of 2 to 4% of the invoice, without a bank application or a two-to-three-year business history requirement. Craig Cohen, a former commercial banker with 10 years in traditional lending and now a funding specialist at Encore Funding, breaks down how bank fees including application, documentation, ACH, lockbox, monitoring, and unused-line charges routinely make bank rates more expensive than alternative funding, and how a new contractor can access between $50,000 and $500,000 in working capital with a 10 to 15 minute application. What you'll learn in this episode: Why a bank's advertised prime-plus rate is not the true cost once documentation, ACH, lockbox, and monitoring fees are added in How receivables-based funding works: submit an invoice to the government, get up to 90% wired the same day, pay 2 to 4% of the invoice when the government pays in 30 to 60 days Why banks reject businesses under two to three years old and what startup-friendly funding actually requires instead What makes merchant cash advances (MCAs) dangerous: interest rates of 50 to 100% and aggressive repayment schedules that often require a second loan to cover the first How to fill out the Encore application in 10 to 15 minutes using information you already have Chapters: 0:00 - Why the bank rate is not the real cost 1:45 - Merchant cash advances: what to know before you borrow 3:30 - Bank approval vs Encore approval: the time difference 4:45 - Why banks reject newer government contracting businesses 6:00 - How the invoice advance and repayment flow works 8:10 - Calculating fees: what 2 to 4% actually means per invoice   Mindy gives you the federal opportunities, agency signals, recompete intel, and pursuit briefs that tell you not just what contracts exist, but which ones to chase and how to win them. Sign up for free Daily Alerts and get opportunities delivered to your inbox before the day starts.

Peptides, Telemedicine, Pharmacy & Compliance: The Future of Peptide HealthcareThe peptide industry is evolving rapidly, bringing together peptides, telemedicine, pharmacies, healthcare providers, and compliance in new and innovative ways.In this episode, we take a closer look at the growing peptide healthcare industry and the role of telehealth, pharmacy operations, patient access, and regulatory compliance. We explore the opportunities and challenges businesses and healthcare professionals face as the industry continues to develop.Whether you're interested in peptide therapy, telemedicine, compounding pharmacies, healthcare compliance, digital health, or the future of peptide healthcare, this conversation provides valuable insight into an industry that's changing quickly.

[English version below] Níor cheap Charlie riamh go mbeadh mothúcháin ag Nick dósan freisin, ach anois tá siad ag siúl amach le chéile. Agus d'inis Nick dá mham é! Ach ní rud é an teacht amach a tharlaíonn uair amháin sa saol – tá deartháir Nick ann, agus turas go Páras, gan trácht ar na cairde agus na baill teaghlaigh eile go léir – agus bíonn an saol crua, fiú agus duine grámhar le do thaobh. De réir mar a rachaidh a gcuid mothúchán i ndoimhneacht, beidh gá níos mó ag Charlie is Nick lena chéile ná mar a bhí riamh cheana. Scríofa agus maisithe ag Alice Oseman. Aistrithe ag Eoin McEvoy. Foilsithe ag Futa Fata. Láithreoir: Seán Ó Catháin Aíonna: Lisa Nic an Bhreithimh agus Caolán Mac Grianna [Leagan Gaeilge thuas] Charlie didn't think Nick could ever like him back, but now they're officially boyfriends. Nick's even found the courage to come out to his mum. But coming out isn't just something that happens once – there's Nick's older brother, and a school trip to Paris, not to mention all the other friends and family – and life can be hard, even with someone who loves you by your side. As their feelings get more serious, Charlie and Nick will need each other more than ever before. Presenter: Seán Ó Catháin Guests: Lisa Nic an Bhreithimh and Caolán Mac Grianna

SSDs und Arbeitsspeicher sind weiter teuer, und wie die c't-Experten Christian Hirsch und Florian Müssig analysieren, wird das vorläufig so bleiben – und zwar nicht nur ein paar Wochen lang, sondern eher auf einige Jahre hinaus. Aber derart lange vorhandene PCs und Notebooks weiter zu nutzen und die Speicherkrise einfach auszusitzen, ist nicht für jeden praktikabel. Lässt sich ein Neukauf nicht weiter hinauszögern, sollten auch Gebrauchtgeräte in die Überlegungen einbezogen werden. In diesem Video-Podcast stellen wir Hardware-Empfehlungen zusammen und diskutieren Alternativen wie externe SSDs oder Aufrüsten. Auch warnen wir vor einigen Fallstricken, denn inzwischen ist auch der Gebrauchtmarkt ganz schön abgegrast. Die empfehlenswerten Gebrauchtgeräte sind Firmenrückläufer. Was nach drei Jahren abgeschrieben ist oder aus dem Leasing fällt, geht an Refurbisher, die sich um Details wie das Aufspielen gültiger Windows-Lizenzen kümmern. Aber weil auch die Firmen unter den gestiegenen Neupreisen leiden, nutzen viele die Geräte fünf Jahre und länger. Entsprechend ältere Geräte dominieren nun den Gebrauchtmarkt. In vieler Hinsicht ist das kein Risiko, weil wichtige Techniken wie schnelle Prozessoren, vollwertige USB-C-Ports und auch die Windows-11-Tauglichkeit seit vielen Jahren üblich sind. Aber Vorsicht ist dennoch geboten, da einige Händler nun auch die verstaubtesten Ladenhüter auf den Markt bringen. Und einige Details wie gute Mikrofone und Webcams kamen teils erst deutlich nach Corona in Mode und in die Firmengeräte. Christian und Florian geben weitere Tipps und erklären, warum auch die Gebrauchtpreise mit den Speicherpreisen steigen. Im Windows-Bereich sollte man Intel- oder AMD-Geräte kaufen. ARM/Qualcomm holt zwar auf, aber die guten Prozessoren sind im Gebrauchtmarkt noch nicht zu finden. Genau anders herum bei macOS: Für Intel geht die Unterstützung absehbar zurück, also sollte man gebrauchte Apple-Hardware nur mit M-Prozessoren kaufen – der M1 ist für vieles weiterhin schnell genug. Dem Aufrüsten – sowohl der eigenen Geräte als auch etwaigen nur zu schwachbrüstig gefundenen Gebrauchten – sind enge Grenzen gesetzt: Bei vielen Notebooks ist der Speicher fest aufgelötet, der Prozessor inzwischen immer. An die SSD-Module kommt man zwar bei manchen Modellen, aber fast alle Firmen-Notebooks vertragen nur ganz bestimmte Module. Die c't-Redakteure erklären, warum man dann nicht einmal herausfinden kann, welche Module das sind. Spannend in dieser Hinsicht sind die modularen und aufrüstfreudigen Notebooks vom Hersteller Framework. Diese durchaus erfolgreiche Firmenstrategie führt allerdings dazu, dass Framework im Gebrauchtmarkt kaum eine Rolle spielt. Die Zusammenhänge erläutert Florian. Besser sieht's bei Desktop-Rechnern aus. Passende RAM-Riegel und SSDs lassen sich einfacher finden, und mit etwas Vorplanung verträgt das Mainboard sogar noch ein paar neuere Prozessorgenerationen. Trotzdem empfehlen Christian und Florian, gebrauchte Notebooks und PCs komplett zu kaufen, vor allem aufgrund der Händlergewährleistung. Das ist auch der Hauptgrund, weswegen die c't-Redakteure vom Privatkauf abraten – oder man sollte sich zumindest der Risiken bewusst sein, auch in Bezug auf Verschmutzungen oder Windows-Lizenz. Zudem haben die Consumer-Baureihen inzwischen manchen technischen Fortschritt erst später bekommen als die Business-Baureihen. Ach, und wer Gaming-Grafik erwartet, der Podcast geht ausführlich drauf ein, aber die Kurzform ist: das gibt der Gebrauchtmarkt nicht her.

Tod Ruble from Custodia breaks down hybrid capital structures, 3(38) fiduciary responsibilities, and what advisors need to know about plan custodian security after the TrueStage cyber disaster. Learn the real risks and pricing models. In this episode, host JD Carlson sits down with Tod Ruble to explore Custodia's role in the 401(k) ecosystem and the growing complexity of 3(38) fiduciary arrangements. We dig into what hybrid capital means for plan sponsors, the specific fiduciary responsibilities advisors take on when recommending custodial services, and the pricing models that actually work in the field. Tod also walks us through the TrueStage cybersecurity incident: what happened, the timeline, and what it means for transparency and trust in the industry. We don't shy away from the hard questions: participant loan defaults, loan insurance products, ACH payment security, and loan portability all get the Retireholics treatment. Whether you're a TPA, plan sponsor, recordkeeper, or advisor, this conversation covers critical ERISA compliance considerations and practical custodian selection criteria. Plus, we test some new AI-powered compliance monitoring tools in our "Dope or Nope" segment. Perfect for anyone managing fiduciary risk or evaluating custodial partners. Grab a cold one and tune in. CHAPTERS 0:00 Cold open and introductions 4:08 Introducing guest Tod Ruble 9:28 Opening toast and guideline discussion 10:58 Custodia and hybrid capital explained 15:43 3(38) fiduciary responsibilities and risks 21:29 Pricing for 3(38) services 33:31 TrueStage cyber security debacle 39:33 Timeline and transparency issues 43:51 Participant loan defaults and accessibility 47:33 Loan insurance product overview 53:24 ACH payments and loan portability 1:01:38 Dope or nope segment begins 1:10:27 AI tools for compliance monitoring 1:15:30 Closing remarks and thank yous MORE FROM RETIREHOLICS Full episode notes & transcript: https://retireholics.com/episodes/tod-ruble-custodia-338-fiduciary-risks-cyber-retireholics/ All past episodes: https://retireholics.com/episodes/ Live every 1st & 3rd Thursday at 4:30pm PT: https://retireholics.com/live/ Get show reminders: https://retireholics.com/get-reminders/ SUBSCRIBE YouTube: https://www.youtube.com/@Retireholics Apple Podcasts: https://podcasts.apple.com/us/podcast/retireholics/id1490618217 Podbean: https://retireholiks.podbean.com/ Retireholics is the show changing the retirement industry one beer at a time. Hosted by JD Carlson and co-hosts, covering 401(k) plan design, fiduciary responsibility, fees, investments, and industry news for retirement plan advisors and professionals.

Legacy payments platforms do not usually fail with a dramatic outage. They fail by slowing every change request, inflating every integration, and turning “simple” upgrades like ISO 20022 into a stress test. Greg Myers sits down with Vijay Oddiraju, CEO and Co-founder of Volante Technologies, to talk about what banks are learning as real-time payments expand and modernization becomes unavoidable.We dig into how Volante started with a focus on automating financial data exchange, then found its center of gravity in payments. Vijay shares the moment that accelerated their payments journey: helping enable a record-setting real-time payments milestone in the US. From there, we unpack the biggest customer challenges today, including legacy constraints, time-to-market pressure, performance demands, and the need for resilience as regulations and rails keep changing.Vijay also lays out where he sees the growth opportunities next: ACH replacement projects, multi-rail payment platforms that can orchestrate across RTP, ACH, wires, and emerging options like stablecoin, plus cloud-native architecture that supports modular microservices and even multi-cloud disaster recovery. We close with a practical lens on AI in payments, especially for exception handling and operations, and the decision criteria that matter when choosing a payments vendor you can trust for the long haul.

What happens when you combine 20+ years of payments experience, entrepreneurship, podcasting, and the rapid rise of AI?In Episode 401 of B2B Vault – The Biz To Biz Podcast, Alan Kopelman takes us through his journey from the restaurant industry into payments—and how the industry has evolved from phone-line terminals and complicated leasing models to digital payments, AI, stablecoins, and agentic commerce.We also dive into:

Mit einem knallbunten Feuerschweif der guten Laune kracht der Gästekurve-Komet bei den verehrten Kurvis ins frisch renovierte Gebälk und hinterlässt fanatischen Jubel und Ekstase. ENDLICH! WIEDER! BLÖDSINN! Staffel 7 ist da und deswegen lassen sich eure beiden Lieblingsturnbeutelvergesser auch mal so gar nicht lumpen. Es wird hausgemachter Senf zu folgenden Themen gegeben: •⁠ ⁠Der El Mala-Transfer-Poker •⁠ ⁠WM-Recap (wie enttäuscht war man so?) •⁠ ⁠⁠Kloppo for Bundestrainer •⁠ ⁠Beste Remoulade (unbezahlte Werbung) •⁠ ⁠Mel Gibson und seine schlecht alternden Filme •⁠ ⁠Henning Baums Insta-Randale •⁠ ⁠High Noon an der Uni •⁠ ⁠Geile vs hässliche Trikots •⁠ ⁠Gehört Pitbull zusammen mit Daddy Yankee in eine Playlist und wie ist man drauf, wenn man das unironisch hört? Ach ja: Schiffi wird Papa und teilt seine freudige Anspannung mit Germany‘s Next Topdaddy Matthias. So, dann können wir jetzt alle wieder zu Harry Groß an die Playa mit Hut und offenem Vielfahrerschweiß-Hemd. ❤️ Learn more about your ad choices. Visit podcastchoices.com/adchoices

Everyone in fraud and risk is building AI agents. Almost nobody is asking the harder question: if every team has access to the same models, what's left that's actually yours?   In this episode of Fraudboxer, Jordan sits down with Richard Meng, founder and CEO of Roe AI (YC-backed, San Mateo), and Tal, an 18-year risk leader who has built and scaled programs across fintech, payments, lending, issuing, marketplaces, and merchant environments. Together they make the case that AI itself is becoming a commodity — and that the real competitive advantage is structured risk knowledge: the fraud typologies, investigation frameworks, and institutional expertise that live in your team's heads, in Jira tickets, and in Slack threads where no agent can reach them.   The conversation covers why single signals like velocity, device mismatch, and risky IP no longer mean what they used to; why fraud teams stay permanently reactive; what happens to entry-level analyst roles as AI absorbs L1 work — and what new roles replace them; whether rules and machine learning models are dying or just getting a makeover; and why the sub-300ms reality of real-time fraud decisioning means an LLM is never going to be the thing that blocks a transaction.   They also get into the idea of an open, industry-wide fraud typology map — a shared taxonomy of attack patterns and recommended investigations that any team's AI agents could consume. Not a data consortium, not PII sharing, and not the kind of closed, invite-only working group that leaves newer practitioners out in the cold. Whether that can actually get built is the open question of the episode.   If you work in fraud, risk, compliance, AML, trust and safety, or payments — or you manage a team that does — this one reframes what "using AI" actually means. As Jordan puts it: most people say they use AI, but they're reading AI, not using it. The fraudsters figured out the difference a while ago.   WHAT'S COVERED   Why AI models are becoming a commodity, and contextual intelligence is the real moat Fraud typologies - ATO, ACH fraud, friendly fraud, push payment fraud, triangulation schemes, return abuse, promo abuse - and why each needs its own investigation path The medicine analogy - why the diagnostic framework beats raw intelligence Velocity, device mismatch, and risky IP - signals that no longer mean fraud on their own What happens to L1 analyst roles, and the new jobs that get created instead Are rules dead? A story from inside Uber's rules engine and the Grafana dashboard that showed fraudsters reverse-engineering rules in real time Why sub-300ms decisioning means rules and ML models aren't going anywhere Rule performance monitoring - the thing almost nobody actually does How Roe AI is building a shared financial crime knowledge base, and whether it should be an open standard Where fraudsters are already outpacing defenders on AI adoption   LINKS   Roe AI: ⁠https://www.roe-ai.com⁠ Roe AI careers (they're hiring, including SMEs): ⁠https://www.roe-ai.com/careers⁠ Richard Meng on LinkedIn: ⁠https://www.linkedin.com/in/berkeleymeng/⁠ Tal Yeshanov on LinkedIn: ⁠https://www.linkedin.com/in/talyeshanov/⁠ WhoBilled.me: ⁠https://whobilled.me⁠   This episode is brought to you by ⁠WhoBilled.me⁠. Ever seen a charge on your statement like "POS CHECK CARD PURCHASE DEBIT * SUPERCELL" and had no idea what it was? Merchants get about 25 characters to identify themselves, your bank wraps its own labels around that, and a location field gets stapled on the end. The result reads like a ransom note — so people dispute their own kids' in-game purchases and shrug off the charges that were actually fraud. Paste the descriptor into ⁠https://WhoBilled.me⁠ and find out who really billed you, how to reach them, and what the charge was probably for.

Au menu de la troisième heure des GG du mercredi 19 août 2026 : Achèterez-vous les fruits et légumes moches ? Avec : Emmanuel de Villiers, entrepreneur. Laura Warton Martinez, sophrologue. Et Zohra Bitan, cadre dans la fonction publique.

Rassismus hat Folgen für die Gesundheit — psychisch und körperlich. In der neuen Folge von „Ach, Mensch!“ erklärt die Rassismusforscherin Dr. Muna Aikins, warum Diskriminierung ein Gesundheitsrisiko ist und was sich im Gesundheitswesen ändern muss. Hier erfahrt ihr mehr über die Arbeit von Dr. Muna Aikins am MPI für Bildungsforschung. Hier findet ihr mehr Informationen über den Afrozensus 2020. Hier findet ihr das Gutachten für den Verein Decolonize Berlin: „Koloniale Kontinuitäten in der Berliner Medizin und Gesundheitsversorgung“ Hier findet ihr „Die Haut meiner Seele“ von Muna Aikins. ➡️ Artikel zum Nachlesen: https://detektor.fm/gesellschaft/ach-mensch-muna-aikins

Rassismus hat Folgen für die Gesundheit — psychisch und körperlich. In der neuen Folge von „Ach, Mensch!“ erklärt die Rassismusforscherin Dr. Muna Aikins, warum Diskriminierung ein Gesundheitsrisiko ist und was sich im Gesundheitswesen ändern muss. Hier erfahrt ihr mehr über die Arbeit von Dr. Muna Aikins am MPI für Bildungsforschung. Hier findet ihr mehr Informationen über den Afrozensus 2020. Hier findet ihr das Gutachten für den Verein Decolonize Berlin: „Koloniale Kontinuitäten in der Berliner Medizin und Gesundheitsversorgung“ Hier findet ihr „Die Haut meiner Seele“ von Muna Aikins. ➡️ Artikel zum Nachlesen: https://detektor.fm/gesellschaft/ach-mensch-muna-aikins

Willkommen zu einer neuen Ausgabe von “Defaults matter”! Wieder einmal haben wir Beispiele, wieso es manchmal sinnvoll sein kann, sich die Einstellungen der Software anzuschauen, die man nutzt. Aber wir haben auch mehrere Beispiele für “Ach was, es geht ja doch?”: Denn Musk veröffentlicht den X-Algorithmus inklusive Gewichten, die EU hat einen schnellen Kommunikationskanal mit Meta und TikTok und Spotify kennzeichnet KI-Inhalte. Zumindest ein bisschen.

What happens when one of the biggest names in payments decides to build a serious reseller channel? James Shepherd gets the answer directly from Mike Collins, who heads up Square's reseller division. They discuss why Square believes ISOs and agents can help it move further into the middle market, where Square sees significant opportunity. Mike also explains how the reseller experience works, from digital merchant onboarding to pricing and proposal support, co-selling, software demos, and ongoing partner support. Most importantly, he explains why Square's technology is what he believes gives agents an edge in winning and retaining merchants. The episode also includes Today in Payments with Patti Murphy, covering interchange legislation, ACH and P2P payment growth, small-business trends, and the increasing sophistication of fraudsters using AI and faster payment networks.

Alicia and Matthew "Spot" Fulton break down the August pricing changes and the features behind them, from smarter bank feed matching and locked parent accounts to Bill Pay Elite now included in Advanced at no extra cost. Alicia also shares her own list of under-the-radar upgrades, like invoice deposits held as true liabilities and drag-and-drop bill capture, that she used to answer a Redditor questioning the price hike, plus a fraud warning on why bill approval workflows are worth turning on now.Sponsors:Intuit Accountants - http://uqb.promo/intuitPilot - http://uqb.promo/pilot(00:00) - Cold Open and Introductions (00:34) - Where's the Beef Pricing vs Features (01:48) - Interface Changes and Faster Fixes (03:03) - Canny Board and Feature Feedback (04:24) - How We Message Clients (05:59) - Pricing FAQ Article Walkthrough (06:26) - Bank Feeds Smarter Categorization (08:15) - PayPal Matching and Duplicates (09:15) - Docs Requests and Bank Feed Tweaks (09:59) - Lock Parent Accounts (10:25) - Invoicing Automation and Reminders (11:20) - Bulk Edits and Payment Alerts (11:46) - Intuit Experts and Expense Policies (14:08) - Modern Reports and Management Packs (14:37) - Intuit Assist Business Intelligence (15:57) - KPIs Dashboards for Essentials Plus (16:54) - What's New in QBO Advanced (17:03) - Advanced Reporting Suite Forecasting (17:41) - Bill Pay Elite Included in Advanced (18:28) - Construction and Project Features (19:30) - Continuously Clean Books Explained (20:54) - New Pricing Table Breakdown (21:47) - Which AI Features by Tier (24:07) - Intelligent Onboarding and Add Ons (25:06) - Bill Pay Basic vs Elite and ACH (26:12) - Affirm Buy Now Pay Later (27:27) - Autopilot Invoicing Beta (27:58) - Unprocessed Payments Warning (29:56) - Pricing Tiers Recap (31:12) - When Price Changes Hit (33:25) - Bill Pay Pricing Overhaul (35:11) - Fraud Prevention Workflows (36:56) - ProAdvisor Discounts Notes (37:50) - Features Justify Increase (38:47) - Customer Hub And Scheduling (39:57) - Deposits And Recurring Payments (41:46) - Inventory And Banking Feeds (43:23) - Drag And Drop Bill Capture (45:53) - Custom UI And Smart Search (47:18) - Modern Reports Resolution Center (49:23) - Wrap Up Classes And Projects LINKSNew QuickBooks Pricing: https://www.firmofthefuture.com/product-update/quickbooks-price-changes/August Product Updates: https://www.firmofthefuture.com/product-update/quickbooks-online-improvements-august-2026/#feedbackAlicia's upcoming classes:Intuit Enterprise Suite, Aug 19 but date might change: http://royl.ws/intuit-enterprise-suiteBattle of the Books - QBO vs. Xero, sponsored by Xero: https://xero.zoom.us/webinar/register/4717843154915/WN_jWTalQhPSka8DGL2mQerIA#/registrationAI in QBO: http://royl.ws/AIIntuit Accountant Suite in Sept: http://royl.ws/IASWe want to hear from you!Send your questions and comments to us at unofficialquickbookspodcast@gmail.com.Join our LinkedIn community at https://www.linkedin.com/groups/14630719/Visit our YouTube Channel at https://www.youtube.com/@UnofficialQBOPodcastSign up to Earmark to earn free CPE for listening to this podcasthttps://www.earmark.app/onboarding 

For most of the history of lending, approval and access were two separate events. A borrower gets approved, then waits days or weeks for an ACH to clear before the money is usable. For small businesses managing tight cash flow, that gap can be the difference between catching an opportunity and missing it. Cards are changing that. When a lender issues a virtual card at the moment of approval, credit becomes spendable right away, with no ACH delay and no separate account.In this webinar, Lithic product marketer Claire Jacobs sits down with Sarvesh Baveja, Chief Risk Officer at Fundbox, and Declan Callisto, Product Manager at Lithic, to break down how Fundbox built a loan-to-card program on Lithic and took it live in seven weeks. They cover the borrower experience from application to spend, the spend controls that let a lender manage risk at both the business and card level, the four partners required to stand up a program like this, and where SMB underwriting goes as static credit limits give way to dynamic ones. Fintech Layer Cake and Lithic webinars are powered by Lithic, financial infrastructure that helps teams build better card and payments products for consumers and businesses.Chapters00:00 Why approval and access became two separate events01:32 Sarvesh and Declan introduce themselves02:00 Why loan-to-card is a new innovation02:19 The SMB cash flow timing problem03:21 Why the choice of issuer processor matters04:13 The Fundbox borrower experience, from application to spend06:00 What Lithic built behind the scenes: the credit ledger06:56 Why spend controls work at both the business and card level08:30 Where else card rails apply beyond SMB lending09:36 The rent payment use case10:29 The four partners required to launch a program like this12:42 Why embedded payments matter for reaching borrowers14:08 What Lithic offers that legacy processors don't16:05 The biggest misconception about program timelines18:15 Where SMB underwriting is headed: from static limits to dynamic ones20:03 Closing thoughtsSubscribe for more on card infrastructure and modern lending.

Notice of Disclaimer: Nothing in this episode is meant to imply or suggest any professional, legal, accounting or otherwise. You are strongly encouraged to consult with your own advisor before taking any action related to anything you may learn or hear in this episode.Accounts receivable automation can reduce the time business owners spend creating invoices, sending reminders, and pursuing overdue payments. Automation still depends on the rules, agreements, and project boundaries surrounding the payment.In this episode of It's The Bottom Line that Matters, Jennifer R. Glass and Patricia Reszetylo discuss how contracts, payment policies, recurring billing, ACH withdrawals, and automated invoicing can support healthier cash flow.The conversation also examines scope creep. When clients repeatedly request additional designs, revisions, or deliverables without a formal change process, the resulting payment dispute may have started long before the invoice became overdue.Jennifer shares lessons from a large e-commerce website project involving repeated design changes and an unpaid balance. Patricia discusses her own experience allowing a project to expand beyond its original scope and the safeguards that could have prevented the problem.The episode covers setting revision limits, testing agreements against likely edge cases, involving an attorney in contract development, and defining what happens when ordinary payment reminders fail.This discussion is especially useful for consultants, agencies, contractors, and service-business owners who want more dependable payment collection, tighter project control, and fewer avoidable cash-flow problems.Keywords/Tags: It's The Bottom Line that Matters, Jennifer R. Glass, Patricia Reszetylo, accounts receivable automation, accounts receivable, automated payments, invoice automation, payment collection, cash flow, working capital, payment policy, client contracts, scope creep, project scope, recurring billing, ACH payments, credit card payments, overdue invoices, collections, late fees, service business, small-business finance, business systems, billing process, contract terms, client management, payment reminders, revenue protection, operational disciplineSpeaker Bios:Jennifer R. Glass is a business growth strategist who helps business owners examine the operational and financial decisions affecting sustainable growth. In this episode, she draws from direct experience managing client billing, recurring payments, project disputes, and collections.Patricia Reszetylo is a marketer, business strategist, and entrepreneur focused on profitability, practical systems, and disciplined business growth. In this episode, she examines scope creep, contract boundaries, and the value of planning for payment problems before they occur.

Send us Fan MailAndy Marlow's definition of efficiency in passive house and airtightness will annoy some people: it's doing the bare minimum required to clear the hurdle, which he says is much the same as being really bloody lazy. Andy is a director at Envirotecture, a long-time passive house advocate and former Australian Passive House Association board member — and he thinks the industry's obsession with beating its own numbers is costing builders money for no measurable gain.The core of the conversation is where the point of diminishing returns actually sits for high performance. Once a building is genuinely airtight, the model becomes predictable (you can't model a sieve) and that predictability is what lets you cut back everything else. Andy walks through the UK apartment work presented at the Passive House Conference where parts of the building are deliberately built worse than code because the form factor absorbs it, the concrete footings nobody needs to perfect, and the one thing you can never compromise on: condensation risk.Brian makes the same case from the other direction — that a decade of chasing certified air-tightness is what teaches you how much performance you can buy for far less. They get into the airtightness arms race between builders, the bloke who hit 0.06 and probably wasted his weekends doing it, achieving 2 ACH cheaply through the plasterboard line, and whether a tiered certification pathway would drag the volume market across the line. Andy also explains the relaunch of Passive House Design & Construct as pre-designed-only homes — the same logic applied to design fees.EPISODE HIGHLIGHTSAn educated way to cut corners.The airtightness arms race — 0.6 versus 0.5 versus the 0.06 warehouse, and where the ego takes over from the engineeringCondensation risk as the one thing you don't get to compromise, and Andy's caution on loosening airtightnessLow Energy Building as the sensible tier down, and why a 300mm-plus wall isn't always financially saneHealth, comfort and longevity as the real product — "no one cares about energy efficiency"Applying the same logic to design: the relaunch of Passive House Design & Construct as pre-designed homes you can't modifyLEARN MOREEnvirotecture: https://www.envirotecture.com.au/Passive House Design & Construct: https://passivhausdc.com.au/Sustainable Builders Alliance (SBA): https://www.thesba.com.auBROUGHT TO YOU BYSustainable Builders Alliance (SBA): https://www.thesba.com.au

Let's talk about a topic that sounds boring but isn't: how you get paid.  I started this episode wanting to talk credit card processing fees, but the deeper I went, the more I realized the fee is the smallest part of the story.  The real question is what it actually costs your business to collect money, most of which is invisible. Checks, e-checks, Zelle, Venmo, ACH, Apple Pay, Google Pay; every payment method has a price tag, even the ones that look free.  I'm walking through the hidden labor behind manual payments, the legal side of credit card surcharges you need to know, the exact math for building card fees into your pricing instead of tacking them on, and a policy lesson from my mom's very hot, very expensive 4th of July weekend. If you've ever resented that 3%, this episode is for you.    What You'll Learn: Why a payment with "no processing fee" often costs you more in time, follow up, and delayed cash flow than the fee itself The real tradeoffs between checks, e-checks, ACH/PAD, Zelle, Venmo, and Apple/Google Pay for a staging business The exact percentage to add to your prices if you want to build card fees into your pricing instead of surcharging clients Why holding firm on your payment policy even when a client has a great excuse protects your business   RESOURCES:   Join the Harlowe Inner Circle Waitlist: https://waitlist.harloweco.com/  Apply for Private Coaching: www.rethinkhomeinteriors.com/privatecoachingapp Enroll in Staging Business School Accelerate Track: www.rethinkhomeinteriors.com/accelerate Follow the Staging Business School on Instagram: www.instagram.com/stagingbusinessschool Follow Lori on Instagram: www.instagram.com/rethinkhome If you want to learn how to streamline your operations so you can grow with less stress and burnout in your staging business, enrollment is open for Staging Business School Accelerate Track. I'd love to see you in the classroom!   ENJOY THE SHOW? Leave a 5-star review on Apple Podcasts so that more Staging CEOs find it. Also, include links to your socials so that more Staging CEOs can find you. Follow over on Spotify, Stitcher, Amazon Music, or Audible.

Welcome back to Fraudology.This week I'm joined by Dave G., who spent years investigating money laundering, wire fraud, and scams before moving into e-commerce and, eventually, directly into crypto. Dave was on the ground floor of Bitcoin back when the white paper first came out, and he brings a rare vantage point on stablecoin fraud risk as someone who has watched a payment technology evolve from a niche curiosity into the backbone of a real conversation about agentic commerce.We start with a story that sets the tone for the whole conversation. It demonstrates how unpredictable this space has always been, and how easily it is to miss where the real value and the real risk end up landing. From there, we get into the heart of what a stablecoin actually is, and why stablecoin unit economics change the payment fraud conversation entirely. They function less like a new currency and more like an infrastructure upgrade.That capability sounds abstract until you follow it to its logical endpoint; agentic e-commerce. Everyone wants to talk about AI agents buying jackets, concert tickets, or collectibles, the high-consideration, emotionally driven purchases people actually enjoy shopping for. But Dave argues the real volume, and the real fraud exposure, is going to show up in the boring stuff. Bread, milk, and eggs. The things nobody wants to spend time discovering, just delivered. And when those transactions are worth pennies instead of dollars, low-dollar transaction fraud stops looking like a nuisance and starts looking like a scalable business model for criminals willing to take a cent at a time instead of hundreds of dollars at once. That shift exposes a chargeback liability gap that already has real victims. A reminder that new payment technology fraud adoption always follows the same pattern: whatever gets built, someone tries to exploit before the guardrails exist. What you'll hear in this episode:How Dave went from investigating money laundering and wire fraud to working directly in crypto, and the story of accidentally giving away roughly $1.5 million in Bitcoin at industry conferences.Why stablecoin fraud risk needs to be understood separately from Bitcoin fraud history, and how stablecoins function more like an infrastructure upgrade than a new currency.How stablecoin unit economics make micropayment fraud economics viable at a scale traditional card and ACH rails were never built to support.Why the agentic e-commerce conversation has it backwards, focusing on high-consideration purchases like jackets and concert tickets instead of the low-dollar transaction fraud risk hiding in everyday purchases like bread, milk, and eggs.A real chargeback liability example where a cardholder admitted an AI agent made the purchase, and the merchant still had no compelling evidence chargeback rules to fight it.Why device-based identity verification is a weaker foundation than the industry treats it as, and an early look at an emerging protocol for verifying AI agent identities.How consortium fraud data sharing can create real, sometimes irreversible fraud blacklist consortium risk when a label gets attached to the wrong entity.A subscription chargebacks story involving an antivirus company that charged customers for software that did nothing at all.Why every new payment technology, from ACH to stablecoins, follows the same pattern: fraud arrives before the guardrails do.You should listen to this episode if you:Work in payments, fraud risk, or chargeback management and want to understand where stablecoin fraud risk and agentic commerce actually intersect.Are responsible for card network relationships or dispute strategy and want to understand the chargeback liability gap in agent-initiated purchases.Are evaluating identity verification strategies and want a real critique of device-based identity as a long-term solution.Participate in a fraud consortium and want to better understand the risk and responsibility that comes with labeling data.Are trying to get ahead of new payment technology fraud adoption instead of reacting to it after losses show up.Want a grounded, practitioner-level conversation about crypto fraud and payment fraud that goes beyond the hype cycle.

The Federal Reserve controls master account access to payment services like Fedwire and ACH, with 2022 guidelines creating a three tier review for insured banks, uninsured but supervised institutions, and novel charters. A Congressional Research Service report describes a skinny master account concept that would grant limited services to certain nonbanks under strict limits and collateral. Courts have upheld the Fed's discretion in access decisions, including in the Custodia Bank case. FedNow launched in 2023 and RTP continues to grow, giving operators more connectivity options. For founders, direct access could cut costs and counterparty risk but would require strong compliance and could face caps and collateral. Congress may consider legislation or policy to define skinny accounts, and Reserve Banks would implement procedures if adopted.Learn more on this news by visiting us at: https://greyjournal.net/news/ Hosted on Acast. See acast.com/privacy for more information.

Tá Seachtain beo ag Fleadh Cheoil na hÉireann 2026! Is é seo an chéad uair don Fleadh teacht go Béal Feirste, áit ina mbeidh breis agus 800,000 cuairteoir ag freastal ar an bhféile! Le linn na seachtaine seo, tiocfaidh anam isteach sa chathair le taibhithe sráide, seisiúin ceoil, seónna stáitse, céilithe, agus comórtais. Ach le 75 bliain á chéiliúradh ag Comhaltas Ceoltóirí Éireann, amharcann muid siar ar an meath a bhí tagtha ar an gceol traidisiúnta sular bunaíodh an eagraíocht. Agus fiosraíonn muid cad chuige a bhfuil daoine ar fud fad na cruinne chomh tógtha le ceol traidisiúnta na hÉireann? Beirt cheoltóir atá fite fuaite go dlúth le ceiliúradh na seachtaine seo ná an fidléir iomráiteach Dónal O'Connor agus an t-amhránaí agus portaire béil cumasach Róise Ní Mhurchú. Bhí an beirt i gcomhluadar Áine Ní Bhreisleáin ag an bhFleadh.See omnystudio.com/listener for privacy information.

Dan Simons co-founded the Founding Farmers restaurant group in Washington, D.C., now about 1,500 employees and $100 million in annual revenue, plus a catering company, distillery, bakery, and their own coffee roasting, backed primarily by the North Dakota Farmers Union. He got there the hard way. His first restaurant, a fried chicken concept outside Dallas, closed after 18 months and left him broke, sued personally by the landlord, and facing investors who had believed in him. He tells that story in full, along with the two lessons he took from it: he was undercapitalized for a business that needs time to survive, and he had been quietly certain he knew better than his own customers. From there the conversation turns to what is squeezing full-service restaurants now, including falling alcohol sales, rising costs, and roughly a third of adults on GLP-1 medications. Simons takes a GLP-1 himself and talks openly about the eating disorder and "food noise" behind that decision, which shapes how his teams greet guests who do not want to drink or overeat. He also makes a pointed case for American family farmers and for breaking up the monopolies squeezing them. Throughout, he refuses the fatalistic read of the industry, not because it is wrong on the facts but because it is useless.10 key takeawaysIntegration, not balance. He does not separate being a dad, a husband, and an operator. He over-communicates where he is and why, and expects people to speak up. "Responsibility doesn't require mind reading."Have a year of working capital, or open a year later. If that feels impossible, that is information. You will spend the money either way.Ignorance plus confidence is arrogance. His first restaurant failed partly because he looked down on what customers already loved.Ask what you are getting wrong today. He turned the failure into a daily audit for blind spots, and treats the fear as a feature.Optimism is a choice, not a read on the data. He can make the heavy case. He just thinks riding it takes you to the bottom.Your business partners decide your future. One call at the start of COVID produced a million dollars ACH'd the same day, no repayment date attached.Hunt for structural cost advantages. The distillery puts a premium spirit in the well at half the cost of Tito's, plus a story nobody can copy.Beverage is food. Same sourcing, same standards, same care as the kitchen. No soda guns, no bag-in-box syrup.Retire the word "mocktail." Zero-proof drinks go on the main menu, same glass, same garnish. The opener becomes "let's get a drink in everybody's hand, with or without alcohol."Chase items per guest, not alcohol. Two rounds, three courses, chocolates to go. Train servers to signal flexibility on portions and to-go boxes so guests hear permission, not pressure.

Notice of Disclaimer: Nothing in this episode is meant to imply or suggest any professional, legal, accounting or otherwise. You are strongly encouraged to consult with your own advisor before taking any action related to anything you may learn or hear in this episode.Slow-paying clients can create a working capital gap long before a business appears unprofitable. When a company completes work, purchases supplies, pays employees, or commits resources before receiving payment, the business carries the financial risk.In this episode of It's The Bottom Line that Matters, Jennifer R. Glass and Patricia Reszetylo discuss net 30 and net 60 payment terms, extending credit to clients, and the practical cost of waiting for customers to pay.The conversation examines deposits for catering and events, customer cancellations after expenses have been committed, and the risks of allowing a client relationship to replace sound payment policies. Jennifer also shares an example of a complex e-commerce project that left her responsible for development and referral costs after the client refused to pay the remaining balance.They also consider early-payment discounts, ACH payments, credit card processing costs, and the importance of deciding when a customer should lose access to credit after repeated collection problems.This episode is useful for service providers, contractors, caterers, consultants, and B2B businesses that incur costs before receiving final payment. The goal is straightforward: reduce payment risk before an overdue invoice threatens payroll, vendor payments, or the owner's cash reserves.Keywords/Tags: It's The Bottom Line that Matters, Jennifer R. Glass, Patricia Reszetylo, slow-paying clients, net 30, net 60, accounts receivable, working capital gap, business cash flow, customer credit, client deposits, catering deposits, payment terms, overdue invoices, invoice collection, early-payment discount, ACH payments, credit card fees, small-business finance, cash-flow management, client relationships, business contracts, collections, B2B payments, payment risk, corporate clients, event contracts, financial planningSpeaker Bios:Jennifer R. Glass is a business growth strategist and cohost of It's The Bottom Line that Matters. She brings practical experience with client agreements, payment policies, business operations, and the financial consequences of extending credit without sufficient protection.Patricia Reszetylo is a marketer, systems thinker, entrepreneur, and cohost of It's The Bottom Line that Matters. She brings a practical owner's perspective to profitability, business risk, hospitality planning, and the systems required to support sustainable growth.

Ach, du grüne Neune! Es gibt so viele Sprichwörter rund um Zahlen, dass eine Sendung nicht ausreicht. Deshalb folgt nun die zweite Runde, geben Sie acht! Bei Hermine Kaiser ist der Experte für Sprichwörtliches, Rolf-Bernhard Essig zu Gast.

Mit 200km/h durch die Nacht!Das goldene Trio wird zum Bofrost-Trio, denn auf so nem Thestral 3 Stunden auf 100m (?) Höhe - das ist bestimmt schön kühl! Hermine macht's richtig, die macht n Nickerchen bis zur Ankunft in London (munkelt man). Wie ist das bei euch, hättet ihr euch das getraut auf dem Thestral zu fliegen? Ist der wunderschöne Ausblick die Gefahr wert? (Ach so, und Sirius natürlich auch.) Spoiler: Alle überleben die Reise.Test, ob ihr den Text lest: Wer von euch ist am Wochenende beim Elbenwald-Festival? Einhorn-Emoji in den Kommentaren heißt "Ich bin dabei," jedes andere heißt "ich nicht". Ich (Sophia) - Einhorn-Emoji! Martin eher so Männchen, das mit hängenden Schultern rumsteht. Viel Spaß beim Zuhören!Hier geht's zu unserem Whatsapp-Kanal: https://whatsapp.com/channel/0029VbB8C00CRs1obJUivo2ZWir haben auch eine Patreon-Seite!Schaut doch mal vorbei, es gibt Bonus-Episoden, Sticker und andere aufregende Dinge! Besucht uns auf den sozialen Netzwerken, unserer Webseite und erzählt euren Freunden von uns! Vielleicht haben die ja auch Lust auf einen Harry-Potter-Podcast!Patreon: www.patreon.com/happypotterDiscord: discord.gg/QpJfFSXY73Facebook: www.facebook.com/happypotterpodcastInstagram: @happypotterpodUnd wir haben jetzt auch Playlists mit unseren Lieblingssongs:Martins Playlist:https://open.spotify.com/playlist/2IBxDsPVm1UdNBiW2QkgEJ?si=rU6HLkoFQfGGjvab8g8yEQ&pi=e-bKuIHap7RWCuSophias Playlist:https://open.spotify.com/playlist/0kuOP0TujMhrqOWzLwUH1O?si=9LIZkc2nQTOajHPaqpP_RA&pi=e-tc6w0NgQRo-WElben, Hobbits und Zwerge empfehlen diesen Podcast! (Munkelt man.)Wer das liest, ist bezaubernd.

Most businesses think YouTube is just for entertainment—but what if it could become one of your biggest lead generation channels?This week on B2B Vault: The Biz To Biz Podcast, Allen Kopelman sits down with Shamoo Kovacs, founder of KS Media, to discuss how B2B companies can leverage YouTube to build authority, attract ideal customers, and generate high-value leads.In this episode, you'll learn:Why YouTube is an untapped opportunity for B2B businessesThe strategy behind videos that actually generate leadsWhy long-form content beats Shorts for B2BCommon mistakes businesses make on YouTubeAI's role in content creation—and where authenticity still winsIf you're looking to grow your business through content marketing, this episode is packed with actionable insights you can use today.

Managing your money should feel simple, not stressful. With the right accounts and smart financial tools, reaching your goals and staying in control of your finances has never been easier. That's why we created the Smart Money Bundle—a convenient solution designed to help you make the most of your money.  Links: Check out Triangle's Smart Money Bundle for a smarter way to save Learn more about Triangle's no minimum balance, Better & Basic Checking account options Learn more about our Direct Deposit Drawing and the chance to win $750! Enter the drawing by October 4, 2026. See Official Rules for additional details. Download our Direct Deposit Form to start setting up your first direct deposit. Learn more about our higher-than-average tiered rates Online Savings account to jump start savings. Learn more about our Goal Builder tool to set up and automate savings goals. Check out TCU University for financial education tips and resources! Follow us on Facebook, Instagram and Twitter! Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.  The sun is shining, children are out of school for the summer, and you may be planning to (or have already scheduled to) take time off from work for vacation; this is the time of the year when you want to sit back and relax while enjoying the nice weather with friends and family.    But something that should never take a back seat is your finances because your financial situation is important and your future matters.   Looking for a simple way to stay on top of your finances? With the right combination of accounts and services, you can make everyday banking easier while building toward your savings goals.    With Triangle's Smart Money Bundle, you can improve your finances and create your own financial goals. Here's how to take advantage of bundle:   1. Open a No Minimum Balance Checking Account  You don't need a hefty minimum balance in checking anymore-- you just need enough to cover the transactions!     Avoid the penalty of low minimum balances on your checking with one of our great checking account options. Better Checking Account with Identity Protection* or Basic Checking Account.    Both of these checking accounts come with a contactless debit card, so for more security and convenience, add it to your digital wallet and get on with your summer adventures.   2. Set Up Direct Deposit with Early Paycheck  Did you know that you could receive your paycheck up to two days early with ACH approval from your employer if you set up direct deposit?    Plus, for a limited time we're running a special drawing you don't want to miss! From now until October 4th  2026, when you set up a new direct deposit, you'll be entered into a drawing for your chance to win $750*.      *There's no purchase necessary so visit triangleuniversity.org/contests/ or follow the link in the show notes for full drawing rules.  If you've been putting off setting up a direct deposit for a while now, don't miss this chance. It's the perfect time to get started and super easy with our simple direct deposit form . Access the form directly using the link in the show notes.  3. Open an Online Savings and Begin Saving with Goal Builder    Your funds are easily accessible and available for online transfers with a Premium Online Savings account.   This savings account has higher-than-average tiered rates and there is no minimum deposit required to open, no limits to deposit, and no limits to withdraw funds thereafter.  After opening your online savings account, begin saving towards the goals that matter most to you with Goal Builder. Goal Builder is our online banking tool that helps you save towards your financial goals, automatically so you can take the stress and guess work out of saving.  Triangle's Smart Money Bundle was designed to highlight three financial products and services that when utilized together, can simplify your financial journey.  Visit Smart Money Bundle - Triangle Credit Union to learn more about the Smart Money Bundle and get started today! 

Knowledge Project Key Takeaways The dating site story is systems thinking in one anecdote: a large dating site hypothesized longer profiles would drive more engagement They tested it. It was true. They rolled it outMany, many months later they discovered it was negative for conversion — when people knew that much about each other, they converted lessThat is a second-derivative effect, and you only find it way after the factThe combination is the whole point: know the really old stuff (the history of your field, which signals passion) and really understand the new edge. Do both and you're a power playerApplying for a marketing job at P&G or Pepsi? Know the legends of marketing and genuinely get TikTok. That's a wildly differentiated candidateThe built-in filter: if learning the history of your field sounds tedious, you're in the wrong lane. Tedium is the signal that the passion isn't thereWall Street is the buyer of the product venture capitalists create, since liquidity is either M&A or an IPO and that's where the price gets set — so even at two people on a PowerPoint, you're asking whether this thing grown up is something that buyer gets excited aboutChina has roughly 10 good open source models and the farmer metaphor explains why that matters: two agricultural societies, in one the farmers come to market, sell goods, go home. In the other, they're forced to share best practices with every other farmer. Which one evolves faster? They're open sourcing weights and publishing the new techniques. Meanwhile a lot of US startups are quietly forking those modelsThe chart that tells the AI funding story: losses of the category-leading company before going cash flow positive. Amazon was two or three billion. Uber was around 15 billion. These AI companies will be way bigger than thatBurn rate used to be the risk metric: ten years ago a million a month was terrifying. Now companies burn five billion a year, over a hundred million a month, and at that speed it's genuinely hard to know what your unit economics even areStablecoins are functionally a workaround for regulation the banks lobbied into existence. ACH takes three days, a same-day wire costs $25 and a page of forms, and credit cards charge 2 to 2.5% — “there's zero reason why it should cost two or three percent, just zero” UK Faster Payments did instant bank-to-bank 20 years ago, Pix hit 60-70% of transactions within six years, and the US built FedNow but it went nowhereBill once asked Jeff Bezos how his angel portfolio was so successful given he has zero free time. The answer: when he meets an entrepreneur there is only one question he asks himself, is this person going to do this no matter what, come hell or high water?Benchmark made the partnership flat — no lead partner, no king, no president, just five equal partners, which makes recruiting easy, actually develops new partners, and eliminates all the annual comp politics. The one huge negative: with no CEO, nobody owns anything firm-wide, which is why the site is still a single splash page 15 years laterRead the full notes @ podcastnotes.orgBill Gurley spent years on Wall Street, built his career as a partner at Benchmark, worked through Uber's hypergrowth era, and now serves on the board of the Santa Fe Institute, where he studies complexity and systems thinking. In this episode, Bill shares the mental models he returns to most, including systems thinking, second- and third-order effects, and the importance of understanding both the bedrock of your field and the bleeding edge. He explains what separates great founders, why storytelling and product instincts matter, how he uses AI across different models, and what he sees coming in open source, China, stablecoins, tokenization, payments, and venture capital.  ------ Timestamps: (00:00) Key Mental Models (02:02) Investing Journey and Key Players (05:21) Knowing the Bedrock of the Industry (08:50) Obsessive Learning in Founders (10:04) The Silent Edge (11:44) Surprising AI Use (13:13) The Future of AI Models (14:17) Global AI Regulation (18:12) Impacts of AI on Investing (19:53) Are There Limitations on Training AI Models? (23:04) Would You Sit in the Back Seat While Your Tesla Drives? (24:15) Non-Consensus Opinions (24:53) Are We Overfunding this Buildout? (29:40) The Role of Retail Investors and Tokenization (34:26) What is a Stablecoin? (37:58) Competitive Mode: Visa and Mastercard (39:55) AI and Debt Analysis (45:05) The Craft of Storytelling and Writing (48:07) Founder Advantage: Product Instinct (50:12) Real World Lessons from Working With Uber (52:10) Inside Benchmark's Success (59:42) What is Success for You? ------ Newsletter: The Brain Food newsletter delivers actionable insights and thoughtful ideas every Sunday. It takes 5 minutes to read, and it's completely free. Learn more and sign up at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠fs.blog/newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ------ Follow Shane Parrish: X: ⁠⁠⁠⁠⁠⁠https://x.com/shaneparrish⁠ Insta: ⁠https://www.instagram.com/farnamstreet/⁠ LinkedIn: ⁠https://www.linkedin.com/in/shane-parrish-050a2183/⁠ Follow Bill Gurley LinkedIn: https://www.linkedin.com/in/billgurley/ X: https://x.com/bgurley?lang=en Check out Runnin' Down a Dream: How to Thrive in a Career You Actually Love ------ Thank you to the sponsors for this episode: +CoinShares: Delivering Reason to Digital Asset Investing. ⁠https://coinshares.com/⁠ +Granola AI, The AI notepad for people in back-to-back meetings: https://www.granola.ai/shane Check out the Granola Notes +HeyGen is a message-first AI video platform that helps people and AI agents turn ideas into professional video in minutes. Try for free at https://www.heygen.com/ +LMNT: My go-to zero sugar electrolytes — get a free LMNT Sample Pack here: DrinkLMNT.com/TKP Learn more about your ad choices. 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What if you could prepare your e-commerce business for the future of AI without writing a single line of code?In this episode of B2B Vault: The Biz2Biz Podcast, Allen Kopelman sits down with Kumar Senthil, CEO of Firmly.ai, to discuss the rise of agentic commerce and how AI is changing the way customers discover and buy products online. Kumar shares how merchants can connect to AI-powered shopping channels, deploy intelligent shopping assistants, and increase sales—all without complex integrations.They also cover:What agentic commerce really meansHow AI shopping assistants improve customer experienceWhy zero-code implementation is a game changerAI security, payments, and the future of autonomous shoppingHow businesses can prepare for the next wave of e-commerce innovationWhether you're an online retailer, entrepreneur, payment professional, or AI enthusiast, this episode offers practical insights into where digital commerce is headed.