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"If the average person just more consistently did what they already know they'd be healthier, happier, and be making more money." – Brian Moran Brian Moran the New York Times bestselling author of "The 12 Week Year: Get More Done in 12 Weeks than Others Do in 12 Months" is going to share how to get more done in less time. He will take us into this execution system he developed while also sharing easy to implement time management strategies. He also connects the dots back to why it is important to create our life vision so we can structure our time and goals around that vision. You will learn tactical steps that you can use today to move closer to the life you desire. Loved this conversation so much! Please be sure to share it with your friends who would benefit from this information. Also be sure to subscribe on Apple Podcasts so you don't miss an episode. Resources Mentioned: ·       JOIN THE NEWSLETTER + Receive A List of 52-Selfcare Tips ·       CONNECT WITH MICHELE ON IG ·       Buy Michele's Book, Design a Life You Love ·       Brian's Book: The 12 Week Year: Get More Done in 12 Weeks than Others Do in 12 Months ·       Brian's website – https://12weekyear.com/ – Thank you for listening to the show!   KEY TOPICS ·       Reintroducing Brian Moran and The 12 Week Year (0:00) ·       Bridging the Knowing–Doing Gap with The 12 Week Year (2:47) ·       Shifting from Annual to 12-Week Planning for Focused Goals (6:38) ·       Aligning Your Vision with Measurable Goals and Specific Actions (12:57) ·       How to Stay Connected to Your Vision and Manage Time Effectively (22:17) ·       Implementing Strategic, Buffer, and Breakout Blocks with Flexibility (27:41) ·       Understanding Habits, Routines, and Key Traits for Success (35:27) ·       Brian Moran's Morning Routine and Embracing Discomfort for Growth (39:29)   Guest Bio: Brian Moran, President and Founder of The 12 Week Year, has thirty plus years of expertise as a corporate executive, entrepreneur, consultant and coach. Brian is a recognized expert in the field of leadership and execution. His realization that most people don't lack ideas, but struggle with effective implementation led him to the development of 'The 12 Week Year'. His client list includes industry leaders like Allstate, Aon, Becton Dickinson, Dunkin' Brands, Keller Williams, Mass Mutual, Medtronic, Merrill Lynch, Meritage Homes, Nationwide, New York Life, Papa Johns Pizza, Prudential State Farm and Taylor Made just to name a few.   If you enjoyed this interview, please take a moment to rate and review it on Apple Podcasts or other podcast player. *The Good Life with Michele Lamoureux podcast and content provided by Michele Lamoureux is for educational and entertainment purposes only. It does NOT constitute medical, mental health, professional, personal, or any kind of advice or serve as a substitute for such advice. The use of information on this podcast or materials linked from this podcast or website is at the user's own risk. Always consult a qualified healthcare or trusted provider for any decisions regarding your health and wellbeing. This episode may contain affiliate links.

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Allen and Joel are joined by Gregory Kocsis, lifting technology expert, to discuss the gap between European and US crane operations. They cover multi-brand blade handling tools, up-tower cranes, and why the aftermarket service sector is driving innovation in major component replacements. Sign up now for Uptime Tech News, our weekly email update on all things wind technology. This episode is sponsored by Weather Guard Lightning Tech. Learn more about Weather Guard’s StrikeTape Wind Turbine LPS retrofit. Follow the show on Facebook, YouTube, Twitter, Linkedin and visit Weather Guard on the web. And subscribe to Rosemary Barnes’ YouTube channel here. Have a question we can answer on the show? Email us! Welcome to Uptime Spotlight, shining light on wind. Energy’s brightest innovators. This is the Progress Powering tomorrow. Allen Hall: Greg, welcome to the program. Joel Saxum: Thank you guys. Nice to meet you. Allen Hall: we have a lot to talk about today. there’s so many heavy lifts. Complex lifts on ships, lifts on, and mountaintops lifts in really odd places. it’s getting more complicated as we go along, and obviously Joel and I talked to a lot of operators and one of the things they complain about more recently is, Hey, we’re having trouble with lifts and we’re having damage that we didn’t have in the past. And it’s complicated, and the access to cranes is more complicated. Everything’s become more complicated. What are some of the issues that you see on the other end of the spectrum, being in that [00:01:00] business? Gregory Kocsis: Yeah. Basically what I see that, so I, I work both, in the last decade in both US and Europe. and I can see that there’s no lack of technologies. there’s a lot of tech that’s, solving a lot of issues. but mostly what you can see that there’s a slight gap. I would say that, There’s two, two prong. the US it seems, some of the farm are really big, and that’s good for scale. but the, technologies are a little bit behind, I would say 10, 15 years sometimes. so that also means that the. The solutions that they use to, to change a blade or change a gearbox or how to lower a full, rotor, it’s always, lower tech and based on practicalities. Joel Saxum: Greg, why do you think that is? Do you think it’s just simply because, yeah, like the eu, so you’ve done a lot of work in the eu, of course, onshore, offshore, and globally. But in the EU it [00:02:00] seems like tighter quarters maybe, harder to get around some of the wind farms. Is, does that drive some of the difference in innovation? Because like you said, you there’s the innovation is there, the tooling is there. The EU has been doing it for a while. It’s just that in the states it seems like we’re more, for lack of a better term, like agricultural about things. It’s kinda Hey, this has worked for 40 years, so this is what’s how we’re gonna do it. Gregory Kocsis: Yeah, it’s always some, nature driven forces are there. So in the, in, for example, if you look at Germany, there’s, a lot of owners and the size of sites are three turbines, four turbines. And if you look at the platform that’s available around turbine is very limited. I was also on a site last year in, North Germany where basically, the truck could park right next to the turbine, but they had to clear some trees, in order to, make sure that they can put the full rotor down. Because since, since they installed it, forest grew, [00:03:00] much, much more. That was another case in, Rotterdam when we were right next to the channel and they had to, close the road. that was, docking. To the ships, back and forth every, half an hour when they had to lift the blade and it was going across the road. So when you’re in situations like this and there’s not a lot of space around the turbines, you have to start thinking that, how can we do this quicker? How can we do this safer? Because you can see that there’s a lot of planning that goes, with this as well. And then you need to make sure that, it’s more predictable, what you’re doing. So I think that. That’s one of the main driver for these technologies. if I put it simple terms that the more single crane operation for MCRs, and technologies that allow a single crane exchange, is, more pushed because of this rather than in the US where you can get maybe two smaller, cranes and then you just sling it, [00:04:00] and then take it down with two cranes. Joel Saxum: Yeah, you’ve got all kinds of space, right? Half of our wind farms are in pasture or farm fields. I wouldn’t say half. We say the majority of our wind farms are in pa pasture, and you’ve got space. The only thing limiting you is, how big the pad is really Right. And bring some cribbing in. You can basically get done with the same technology you’ve been using for cranes for years and years and with that as well, I think that, one of the things we talked about in our kind of, chat off air was. the workforce over here is a little bit different as well. So the workforce over here is sometimes a, a slinger or someone who’s holding a tagline. They got a green hard hat on, and they’re a warm body because they need people, they need help. because we’re doing things at such scale. Whereas in the eu, that’s just not the case. you’re not gonna be allowed to be around operations like that unless you’ve been thoroughly trained for a couple years. And, so, that situation with the workforce is a little bit different. So it’s almost easier to not be [00:05:00]consistently and continuously innovating and training people on new things. But with that, we’re, leaving ourselves behind in the game, right? There’s cost savings to be had, there’s time savings to be had that we’re just not harvesting. Gregory Kocsis: Yeah, absolutely. And as you mentioned that the, benefits in, Europe at these, lower scale, that also allows that, some of these smaller ISPs, they can excel what they’re doing. So they can have a crew of 10, 15 people and they focus on, some turbines, but they. When they do a campaign, that doesn’t mean that they have to go through a hundred turbines. They, do one disassembly or two disassembly or three, and it just stays at that scale. So they can actually manage to get by with the smaller crew and then really, get really experienced, on this. While I think in the US there’s quite a lot of push on. We cannot just do one. Because if you look at the size of sites, there’s [00:06:00] also one site consists between 80 and 120 turbines. And if you draw an an area that, let’s say a two hour driving range that can summarize 2000 turbines. And that also means that when something happens there, you also wanna do it at scale. So you cannot get away with 10, 15 people you need. 30, or you need five, five different crews. And then where can you get these people? How quickly can you train them? And I think that’s actually the good thing is that if we could manage to, to, pull the experience that we have in Europe, that would be good to scale it up because that’s the drawback of Europe, that when you, once you have something great. You cannot scale it up and then put a specialized tool cost above or across, 2000 turbine exchanges. Allen Hall: Is there a movement to bring more technology over from the eu, particularly because, the tools are a little more specialized, [00:07:00] but you’re reducing risk. Is it just that, the larger wind farms, be it in the United States, be it in Australia or there’s a lot of places on the planet where the wind farms are big Brazil. Another case in point, are there cases where it needs to have more technology transfer? They’re doing it a certain way. In Germany, it’s cleaner, more efficient. It takes those people to do it. It’s safer, it’s repeatable. Have we just not broached that yet? Because it doesn’t seem like there’s a lot of technology transfer in terms of lifts from the EU to many other places. Gregory Kocsis: I think the main, if you look at it that what is the driver on this is who’s responsible for an MCR operation. And if you look at the turbine’s lifetime, it’s all about. Who’s, responsible for the service. And in us, typically the turbine, especially next era, likes to buy new turbines with zero, zero involvement from the OEMs they want to [00:08:00] take over from the get go. and then typically in, in Europe we have, 10, 15 or whole, lifetime service contracts. if you look at a pie that who, takes care of the turbine? I would say that. 40% is, in the hands of, the asset owners or ISPs. and that’s also growing. So I think it was, would make that estimated that 40% will, will shift towards, 60. So that, that is the drive that I can see that more of this chunk is getting, getting bigger. And you can see players that are already globally existing, like Deutsche intech, that. That’s quite big in the US and Europe that they started to do that transition, and then take that technology that they could experience in different sites and then put this to the service side. But that’s, the difficult part, that even though that slice is [00:09:00] fairly big, it’s spread across small companies. And as a small company, if you pick one in Denmark or you pick one in the Netherlands, for them to collaborate on a project or assist on a project in US or Australia or Brazil, it’s quite costly. So then the question comes at who’s. Who’s footing the bill? is it the service company? Is it the asset owner? Is the crane company chipping in? Or how is the collaboration working? And there’s no rule of thumb that applies everywhere for these. So it’s case by case that how, big is it? How many turbines are we talking about? What kind of turbines, how far are we out in the service contract? Joel Saxum: It brings in a couple of questions, right? Why are we having this block of, lifting and crane operation innovations? Is it when the OEMs are responsible? They have, they know their say blade types, they know their hub types. They know their MCE, they know their drivetrain components, so they know and they have the designs [00:10:00] and the drawings of what their existing tooling needs would be or how to connect to them. So they’re able to build out these tools that work for them Now. Going from that to being a, say a crane company or an EPC building turbines. You are building multi-brand turbines, multi-brand sites. Not only multi-brand, but multi-unit, different technologies, different blade types. So all of your fixtures need to be different and there’s not very many universal tools out there. how do we get to the point where we can build more universal tools or more tooling that can work for everybody? Gregory Kocsis: Yeah, definitely. I think it’s. The OEMs are holding all the cards, on this one. So that, that also means that when you’re under a service contract, then that means that the OEM as you said, they have the tooling, they have the work procedure, and, in this case, if you try to imagine the MCR, it starts with. What parts do you have to shut down in the turbine? What do you have to disconnect? What do you have to plan on the ground? So [00:11:00] we could isolate it and talk just about the tools. and that was actually part of my work in the previous company that I worked at. We, tried to figure out that what kind of universal tools, can we make for these, purposes, but we also face the fact that many of the ISPs that are coming, they have the demand for, can you give me a Swiss knife that solves everything? And I have nothing from the OEM. So where should we get that? How heavy is that hub? where are the lifting points on the blade? Where is the COG? and then these lack of informations that are difficult together on the market. and the OEM is not really keen to share it either, Allen Hall: but why wouldn’t they want to share that information? Greg? I’m trying to understand where they’re coming from. It would make everybody’s life easier. And lower the cost of operation. If they had standardized lifting points, particularly like generators and gear boxes, that would make a lot of [00:12:00] sense to me. It’s like any other industry where there’s hoists and lifts that are standardized, but in wind, endeavor seems to come across that way. Everybody’s got their own specialized design, don’t they? See the revenue. They could generate from that, that, or the lower the cost that their, customers would have to, put out for lifts and repairs by making it standardized. And, where’s the IEC committees in all this and dvs of the world? Gregory Kocsis: they can definitely see the money, and I think that’s, the big issue, because they, like to earn money as well. So if you look at. What is an OEM earning on selling turbines? Its OTs. What is the OEM Earning on service contracts. That’s where the dough is. So they like these as well, and this is monetizing the market that. They like that they control these kind of information because that drives the, let’s say, the desperate customers to fall back on the [00:13:00] safety net of an OEM service contract. so it would be actually the disadvantage, in the short term, with the current business model. for the OEM if they would open up a little bit more. On the other hand, I think right now we have a lot of, asset owners that grew quite big, like EDP, next era that have, a lot of, turbines. it’s for, many years now. So some of the fleet, if you look at the old vest, V 40 sevens, I think. But NextEra has couple thousands of them. that also means that they have a lot of knowledge on these legacy turbines as well. The knowledge is there, the OEMs, but there’s no clear drive on why should they open up. and there’s a knowledge, bulk of knowledge at the service providers like Deutsche Technique. There’s a bulk of knowledge, with big, asset owners. But this is not shared across and there’s no consensus of, [00:14:00]let’s look at it, how we can, make tools that are better. Because I think the, business model is missing that. How can we make sure that everyone will benefit from this? Joel Saxum: Yeah. It was like we, we talked about off air as well. the, when we talk lifting, what also goes hand in hand with lifting is transportation fixtures. and I’ve heard stories of heavy lift vessels having to completely cut off and reel on new fixtures to ship new blades. And that just seems like what a waste of money, time and effort. of course people are making money doing that, but at the end of the day, that hurts LCOE for wind in energy, right? Because there’s just more cost put into the supply chain that doesn’t. Really need to be there or shouldn’t need to be there. so I, I would like to see us get to the stage where we’re doing, where we have some multi-brand tools or some universal tools in the lifting world. and so that’s a question I wanna ask you then, Greg. we’ve been [00:15:00] talking in generalities around some things. Can you share with us some of these tools that we may not know in the states that exist in the EU that you guys are using? Gregory Kocsis: Yeah, for sure. Yeah. The way I look at it. And then you said it’s also, connected with cranes, is that if you look at some numbers, there’s 35,000 crane call outs globally. Every year where the crane has to go on site and then some of these big things have to be lifted. Now, this is not including the offshore vessels. and that, if you look at these and break down the numbers, you have to lift something that’s big. out of these 35,000, 15,000 would be. Blades or blade bearings. So that means that you have to do something with the blade. You have to take off the blade for the blade’s sake, or you have to take off the blade for the, bearing’s sake. And then the other, tent and, thousand is for the, transformer. so the [00:16:00] generator, and the gearbox, that these are the big things. I think, as you said, blade damage is the most. Particular thing that you shouldn’t break and it’s easy to break is the blades. So that was the primary focus also, with, some of the company that has worked before. So the one of these universal blade handling tools, that we have, different, solutions from, Germany, a couple of them from Denmark, that the premise is that you can have a single crane and then, the blade tool itself. can either adapt, to the blade itself or there’s some slight modifications that you have to do and then it can handle multi-brand. So that would mean that you have one tool and it can handle a range of blades. Allen Hall: That, that seems like an obvious win for an operator or groups of operators in a certain location like Texas where there’s are variety of turbines.[00:17:00] If I had a multi-brand blade lifting tool, why? Why hasn’t that seen wider adoption by a number of operators? Just basically saying, Hey, everybody, throw in 20% of the cost and we’ll just park this tool in the middle of Texas when we need it, we’ll just pull it out. Seems, that seems obvious, but it hasn’t happened. Gregory Kocsis: If, you look at the tech level of such a tool comparing to the tech level that they used to on a daily basis, it’s, that’s where the gap is because if, they have a tool that’s, you start including it, there’s self-balancing system in it, there’s hydraulics in it, and they. Then they know that then someone needs to know about this. Who’s gonna be that? Is it their own guy? Or is someone coming with the tool every time that they use this? On the good side, we can see that, for example, Vestas made their tools for Vestas blades. and then they, instead of, a universal seating, they use [00:18:00] proprietary seating for each blade. you know what you’re. You wanna lift, you prep the tool accordingly, and then it’ll fit so that works for Vestas. And I think more and more crews are, are using these, Vestas technologies, but I think that. The cool thing would be that to have these tools and start using the tools that are not just, for one OEM, but try to utilize these, multi, multi-brand sites and, make sure that, couple of these tools available. So you also have, resilience that if something breaks down that the whole project is not dying. Yeah, I would say the gap based on the tech availability and the learning curve itself, how to do it is, that’s the most thing that holds it back. Joel Saxum: Let me get, your opinion on a couple other technologies here as we’re talking lifting technologies. up tower cranes have been, I wouldn’t say it, it’s not a resurgence, it’s a, it just [00:19:00] splashed under the scene here in the last few years. You got a couple companies doing it and some doing it offshore, some doing onshore. we’ve spoken to a few of ’em on the podcast. What’s your opinion on the usage of these things and where they’re good, where what, what pros, cons they have? What are your thoughts? Gregory Kocsis: I think it’s great. I, back in the day when I was at the Danish Trade Council in 2019, I think it was, back then when RA started to have this project with Aon back then, now RWE, where they bought one, and they said that, We’ll start testing this. We are gonna be the pioneers in this because on paper, it works really nice that you have less containers moving around, less, setup, less footprint of the crane itself. I think with these, if we’re talking about theile cranes, it has its place where it makes. Most sense. So for example, one, one case that I’ve heard that, the [00:20:00] northern, part of the country and also in Canada, there, there could be some times of the year when the roads are shut down and then you cannot carry these heavy loads. and then moving around one of these up tower cranes, it’s easier. so it’s not gonna be delayed by weather. So definitely for these that you would have a case that. For the next six to seven months, your crane is not available because we cannot transport it. Then you can swoop in with this and definitely solve it. it does need some setup time, so when, the site is fairly close, and the pads are close to each other, moving a conventional crane from site to site is actually easier, than p this down and move it to the next. So it also depends on how many, how many turbines do you want to take care of in the region? Joel Saxum: Yeah. I think large campaigns, it’s tougher to justify them for, they don’t work as well. but one-offs, access [00:21:00] issues. smaller, quicker things. they’re definitely a use case for ’em. Gregory Kocsis: Another thing I’ve seen it, I think a year ago it was not in, in Spain, that they also looked at a technology that how you can, for example, lower the blade, utilizing a fixture in the hub, that you just bring this small thing up and use the turbine itself as its own fixture to lower this. And that would mean that you have. a hoist, on the top. And then you just need a smaller mobile crane, on the bottom to tip the blade when it comes down. I think these are also very cool things because that means that you don’t need the whole, big multi, multi container big cranes to, to set up for, the smaller thing. And if you need to take care of one blade, when there’s no unbalanced road or no crazy thing, you just need to do a blade bang exchange. Then this could also save, a lot. But, that [00:22:00] also comes to the same book that this is fairly new and this is even newer than the up tower cranes. So we’re talking about, this is, let’s say in still in the prototype phase when they testing the first editions, in the past two years. Allen Hall: So will we see more, new technology coming outta Europe, or is the demand going to. Drive the technology where there’s turbines going in. I’m thinking of Australia. We’ve talked to some operators there, they’re gonna use some innovative techniques to assemble towers that have been around several years, and no one in Europe really has taken advantage of it in the states, not even thinking about it, but the rapid expansion in large farms in Australia, is that where the hot center’s gonna be for lifting in new technology over the next couple of years? Gregory Kocsis: I would say so, Allen Hall: yeah. Gregory Kocsis: Australia is also an upcoming market for these. but as we talked about what drives this, [00:23:00] it, it will be driven by where is the most independent service provider or where is the most contracts that are run out of the OEM and the asset owner took the liberty that we are gonna take the decision and we are gonna, we are gonna test this. Allen Hall: So that’s just very interesting, look into the industry because I do think. Where Australia is a little bit different is that they have been in mining and big, heavy iron projects forever and they’re not afraid to get involved in heavy lifts. That’s just something that they do all the time versus the middle of Kansas where that doesn’t tend to happen so much. So is the technology moving towards Australia and towards Asia? In general because offshore’s gonna be there, onshore, ISS gonna be there. And what should we expect over the next, couple of years then, in terms of crane and lifting technology, will we [00:24:00] see, just bigger, more massive cranes doing heavier lifts or is it gonna be more innovation? there’s, I Gregory Kocsis: think it’s two sides of this. So there’s always one side where you look at what’s happening with the new installations. And the new installations are driven by bigger. Things, larger things that are more fragile, especially with the blades. so that, that’s the technology that goes there, that how can we, we are really at the transport limit, on, both macel and blades when we’re talking about these new things. So I think the, the. Innovation in that sense will go on that direction. And the new installation that, how can we make these even bigger things to be possible to transport and put together in terms of the, the aftermarket and the old turbines. It’s a very different perspective. and the, you can also see a lot of [00:25:00] innovations there, but the, but the stakeholders are very different, so I, don’t think still that the OEM will be heavily involved in this. and do platform close cross collaborative options. but we are entering a stage where some of these bigger players are also, global. So E-D-P-E-D-F, they, in energy, I think they’re one of the innovative ones. They, they exist across the pond as well. So they’re starting to do this knowledge transfer within, their organizations and that, that. That, that are kick starting some small things. And then you can see the, it’s the neighbor effect when you can see that, oh, it works there, why can’t we get there? so it will slowly, organically grow that way. Allen Hall: I think it’s gonna be an interesting next couple of years because as turbines have gradually gotten larger, the two megawatt turbine, which exists primarily in the United States, [00:26:00] is a dying breed. 3, 4, 5, 6, 7 megawatt turbines are gonna become the standard, and lifts are gonna get more complicated, obviously, and the challenges will be there, but it, seems like we’re. at the time where the lifting technology and the financial aspects are gonna come together, we’re gonna close some of these loops and it will be a better situation for a lot of people. It’s time. And I, think if you’re out, if you’re listening to this podcast and you haven’t looked at some of the lifting technologies, you need to call Greg or get ahold of Greg. And how do they do that? Do they, can they find you on LinkedIn? Gregory Kocsis: Yeah, absolutely. I think the easiest way is to find me on LinkedIn. My contacts are also there, so you can find my emails there or just ping me with a message and then we, and we take it from there. Allen Hall: And it’s Greg Coxs, K-O-C-S-I-S. Make sure you put that in LinkedIn correctly. K-O-C-S-I-S or you’re never gonna find Greg. Greg, thank you so much for being on the podcast because there’s so much happening in [00:27:00] the lifting world. It’s hard to keep track, and it is a global industry, so it’s nice to talk to somebody who’s in touch with all of it. Absolutely. Gregory Kocsis: My pleasure.

On Aon — Episode 98How Leaders Stay Ahead: Balancing Risk and Strategic ChoicesIn this episode of On Aon, Aaron Olson, executive vice president for  Aon's Enterprise Client Group and co-author of the book Strategy and Change: Finding Opportunity in Disruption Through Insight, Choice and Risk, is joined by co-authors Richard Waterer, Aon's global risk consulting leader, and Ward Ching, Aon's managing director of global risk finance. Together, they explore what it takes for leaders to stay ahead in a world of volatility — sharing approaches to balance risk, embrace change and uncover new paths for growth and innovation.Key takeaways: Aaron, Richard and Ward explore three key themes:Insight – To succeed, organizations must strengthen pattern recognition and systems thinking to surface blind spots and assumptions before they turn into costly errors.Choice – Business leaders need to focus on improving strategic choices and understand the impact of each decision to ensure every choice supports their goals.Risk – Rather than avoiding risk, organizations can harness it as a catalyst for growth — aligning risk appetite, feedback from incidents and execution so organizations can move boldly and adapt quickly.Experts in this episode:Aaron Olson —  Executive Vice President, Enterprise Client Group, AonRichard Waterer — Global Risk Consulting Leader, Commercial Risk, AonWard Ching — Managing Director, Global Risk Finance, AonKey moments:(3:34) Aaron explains the concepts of insight, choice and risk — critical capabilities for navigating disruptive change that leaders and organizations will need to build.(5:53) Ward highlights how we have moved from the information age to the digital age, where information is being curated in fundamentally new ways, which reshapes the way leaders need to think about strategic choice and disruption.   (10:20) Richard explains how risk has often been misunderstood as something to avoid when it can be seen as a driver of insight and opportunity.Additional Resources:Strategy and Change: Finding Opportunity in Disruption Through Insight, Choice and RiskFindings from Aon's Global Risk Management Survey SoundbitesRichard Waterer:“So the idea is simple by clearly defining how much risk an organization is willing to take. You don't just draw a line between danger and safety, you actually create a runway for innovation and growth.”Aaron Olson:“We have found...during times of disruptive change, insight becomes particularly important, both the use of analytics to understand and evaluate situations and the importance of addressing and considering blind spots.”

El cierre de la Temporada 11 de Territorio Negocios nos invita a reflexionar sobre un entorno donde la incertidumbre ya no es la excepción. En este episodio, Lorena Gutiérrez, líder regional de Risk Capital en AON, conversa con Horacio Arredondo, decano de EGADE Business School, sobre los principales riesgos que enfrentarán las organizaciones rumbo a 2026 y por qué la preparación, la anticipación y la resiliencia se han convertido en ventajas estratégicas para el liderazgo empresarial.

Needless to say cyber risks top the poll for major international companies as the biggest source of threats. That's followed by a global economic slowdown and potential regulatory or legislative changes coming down the tracks. The global risk survey was carried out by the professional services company AON. Speaking to Joe this morning was Rachael Ingle the Chief Executive of AON Ireland.

In der heutigen Folge sprechen die Finanzjournalisten Anja Ettel und Holger Zschäpitz über starke Zahlen von Crowdstrike, Kurssprung bei Bayer und eine wilde Wende bei Bitcoin. Außerdem geht es um Ether, Intel, xLight, Meta, Boeing, Airbus, Marvell, Celestial AI, Nvidia, Broadcom, GitLab, Adobe, Workday, DocuSign, Apple, Microsoft, MongoDB, Credo Technology, Wacker Neuson, Doosan Bobcat, Hochtief, Hypoport, Hugo Boss, Rheinmetall, Nvidia, Lockheed Martin, Hensoldt, Renk, TKMS, VW, BMW, Mercedes-Benz, Continental, Porsche, Schaeffler, Daimler Truck, Bank of America, KeyCorp, PNC Financial Services, US-Bancorp, Truist Financial, Aon, Marsh & McLennan, Willis Towers Watson, Accenture, Cognizant, EPAM Systems, IBM, Twilio, DXC Technology, SAIC, Guidewire Software, Manhattan Associates, Pegasystems, Tyler Technologies, Labcorp, IQVIA, Certara und Siemens Energy. Die aktuelle "Alles auf Aktien"-Umfrage findet Ihr unter: https://www.umfrageonline.com/c/mh9uebwm Wir freuen uns an Feedback über aaa@welt.de. Noch mehr "Alles auf Aktien" findet Ihr bei WELTplus und Apple Podcasts – inklusive aller Artikel der Hosts und AAA-Newsletter.[ Hier bei WELT.](https://www.welt.de/podcasts/alles-auf-aktien/plus247399208/Boersen-Podcast-AAA-Bonus-Folgen-Jede-Woche-noch-mehr-Antworten-auf-Eure-Boersen-Fragen.html.) [Hier] (https://open.spotify.com/playlist/6zxjyJpTMunyYCY6F7vHK1?si=8f6cTnkEQnmSrlMU8Vo6uQ) findest Du die Samstagsfolgen Klassiker-Playlist auf Spotify! Disclaimer: Die im Podcast besprochenen Aktien und Fonds stellen keine spezifischen Kauf- oder Anlage-Empfehlungen dar. Die Moderatoren und der Verlag haften nicht für etwaige Verluste, die aufgrund der Umsetzung der Gedanken oder Ideen entstehen. Hörtipps: Für alle, die noch mehr wissen wollen: Holger Zschäpitz können Sie jede Woche im Finanz- und Wirtschaftspodcast "Deffner&Zschäpitz" hören. +++ Werbung +++ Du möchtest mehr über unsere Werbepartner erfahren? [**Hier findest du alle Infos & Rabatte!**](https://linktr.ee/alles_auf_aktien) Impressum: https://www.welt.de/services/article7893735/Impressum.html Datenschutz: https://www.welt.de/services/article157550705/Datenschutzerklaerung-WELT-DIGITAL.html

On Aon — Episode 97 Risk and Resilience in the Age of Autonomous VehiclesAutonomous vehicles and self-driving technology are no longer futuristic — they're transforming how we move today. As adoption accelerates worldwide, insurers face a new set of risks and opportunities. Jillian Slyfield, Aon's global chief innovation officer and global technology and digital economy leader, joins David Carlson, global industrials and manufacturing leader, to discuss key industry partnerships and the regulatory challenges shaping ride technology. Key Takeaways:Autonomous vehicles are moving from testing phases to everyday use, creating new considerations for transportation and risk management.Insurers now face the challenge of balancing multiple forms of liability — including product, auto and cyber — as technology reshapes mobility.Data is important as both a risk and an asset. Who collects it, who owns it and how it can be used will all be key, as will balancing the privacy issues around it. Experts in this episode:Jillian Slyfield — Global Chief Innovation Officer and Global Technology and Digital Economy Leader, AonDavid Carlson — Global Industrials and Manufacturing Leader, Aon Key moments: 0:45 The autonomous vehicles (AV) sector is expanding quickly — the industry is projected to grow from just over $100 billion in 2021 to more than $2 trillion by 2030, impacting how we think about mobility, risk and insurance. 10:40 The collection of data from autonomous vehicles will lead the way to better underwriting and faster claims adjudication in insurance. However, a big unresolved issue is who owns and can access this data. 15:00 Collaboration among insurers, brokers, fleet operators, OEMs and AV tech creators is at an all-time high and is critical to managing emerging risks. Additional Resources:Article: Navigating Risk in Transportation and Logistics: Gearing Up for Big Transitions | AonReport: Findings from Aon's Global Risk Management Survey | Tenth Edition Soundbites:  Jillian Slyfield:“But coverage is changing. I wouldn't say that we need new forms of coverage, but we do need to think differently about the coverage that's in place and how to put it together in the best possible way. Sometimes we say it's like a jigsaw puzzle. Let's make sure the pieces are in the right places.” David Carlson:“The reality is people are still car enthusiasts. People love to drive cars still. That's just a reality. And so, I think in time, these things will evolve and we'll see more adoption.”

CISA's threat data helps companies and insurers sharpen their cyber-risk strategies by sharing real-time insights on attack patterns, emerging threats, and proactive defense tactics. Watch this sneak peek … Read More » The post How CISA Data Is Shaping Smarter Cyber Risk Decisions appeared first on Insurance Journal TV.

CISA's threat data helps companies and insurers sharpen their cyber-risk strategies by sharing real-time insights on attack patterns, emerging threats, and proactive defense tactics. Watch this sneak peek … Read More » The post How CISA Data Is Shaping Smarter Cyber Risk Decisions appeared first on Insurance Journal TV.

CISA's threat data helps companies and insurers sharpen their cyber-risk strategies by sharing real-time insights on attack patterns, emerging threats, and proactive defense tactics. Watch this sneak peek … Read More » The post How CISA Data Is Shaping Smarter Cyber Risk Decisions appeared first on Insurance Journal TV.

In this Budget Special Podcast, Aon Wealth Solutions' John Harney explores important takeaways from the Budget, with input from Aon experts on the implications for pensions and investment.

Tá 346 páiste i nDún na nGall ag fanacht ar scrúdú Measúnaithe ar Riachtanais nó scrúdú AON agus as an 55 páiste ar dearnadh measúnú orthu i mbliana ní raibh ach páiste amháin a fuair an scrúdú taobh istigh den tréimhse ama dlithiúil de shé mhí. Cháin an Teachta Dála Piaras Ó Dochartaigh an rialtas go láidir mar gheall ar na figiúirí seo

Aon's Brent Rieth discusses the ripple effects of the Cyber Information Security Act (CISA) not being renewed, warning that insurers now face a major data gap in assessing … Read More » The post EP. 109: The Future of Cyber Risk Without CISA: How Insurers and Businesses Can Adapt appeared first on Insurance Journal TV.

Aon's Brent Rieth discusses the ripple effects of the Cyber Information Security Act (CISA) not being renewed, warning that insurers now face a major data gap in assessing … Read More » The post EP. 109: The Future of Cyber Risk Without CISA: How Insurers and Businesses Can Adapt appeared first on Insurance Journal TV.

Aon's Brent Rieth discusses the ripple effects of the Cyber Information Security Act (CISA) not being renewed, warning that insurers now face a major data gap in assessing … Read More » The post EP. 109: The Future of Cyber Risk Without CISA: How Insurers and Businesses Can Adapt appeared first on Insurance Journal TV.

In this episode, Richie T Steadman and Taylor Westbrook discuss a variety of topics including their experiences at a recent live show, aspirations for podcasting and stand-up comedy, and the dynamics of dating. They also delve into church experiences, the appointment of a new apostle, and the implications of artificial intelligence within the church. The conversation touches on declining birth rates, workplace culture, and the balance of religious expression in professional settings, emphasizing the need for community and awareness in these discussions. The post Love, Laugh, Live – AoN 985 appeared first on The Cultural Hall Podcast.

Follow Dan on LinkedIn at linkedin.com/in/cotterdanFollow Pat on LinkedIn athttps://www.linkedin.com/in/donald-patrick-eckler-610290824/ Predictions Sure To Go Wrong: Aon: Affirm Deppa: Affirm Rosen: PuntIL app:https://www.illinoiscourts.gov/courts/appellate-court/oral-argument-audio/ Aon:https://media.ca7.uscourts.gov/sound/external/ch.24-2017.24-2017_11_03_2025.mp3IN SCT:https://mycourts.in.gov/arguments/default.aspx?&id=3043&view=detail&yr=&when=&page=1&court=sup&search=&direction=%20ASC&future=False&sort=&judge=&county=&admin=False&pageSize=20  

On Aon — Episode 95 Title: Turning Climate Risk into Strategic ResilienceIn the latest episode of On Aon, Liz Henderson, global head of climate risk advisory, and Tracy-Lee Kus, CEO of Aon's Global Broking Center, discuss the urgent topic of climate risk and resilience.As climate-related events grow more frequent and severe, they're reshaping insurance costs, regulations and business operations. Liz and Tracy-Lee explore how Aon is responding with innovation to help clients navigate this increasingly complex risk environment.They also highlight why resilience in organizational strategy is no longer optional, but imperative for sustainable growth. Experts in this episode:Liz Henderson — Global Head of Climate Risk Advisory, AonTracy-Lee Kus — Chief Executive Officer, Global Broking Center, Aon Key Takeaways:Climate resilience is now a board-level priority and becoming increasingly important to business strategy and the insurance sector.Regional regulations are causing organizations to adapt their risk strategies.Aon has heavily invested in advanced analytics and climate modeling to empower clients with a complete and actionable view of their climate risk, supporting better decisions and long-term resilience strategies. Key moments: (03:10) With organizations facing increased climate risk, Aon is focusing on how it match risk to the right price and measure the impact and benefit of resilience for our clients. (05:10) California and the EU are leading the way when it comes to climate-related regulation and can provide an indication on what measures other countries and regions will be adopting in the coming years.. (07:50) Aon's analyzers — like the Climate Risk Monitor —  help clients to quantify their exposures and anticipate what the climate-driven disruptions could be for their business. Soundbites:Liz Henderson:“The one thing that we always say around climate risk is that it's both a risk in and of itself as it drives weather volatility, but it is also a risk amplifier across an organization, whether that's through your workforce, health and wellbeing, supply chain, etc.” Tracy-Lee Kus:“Our strategies themselves are now focused on helping clients to use disclosure, not just for compliance, but as a catalyst for resilience, capital access, and stakeholder trust.” Listen for more: The “On Aon” podcast is available on Spotify, Simplecast and Apple Podcasts (iTunes) More Like This:Findings from Aon's Global Risk Management SurveyClimate Change: Evolving Property Risk to ResilienceSteering Trade and Supply Chains Amid Weather Challenges  

In this uplifting episode, we sit down to explore what it really means to live in alignment and how we can consciously reprogram our lives for more love, joy, and happiness.We're joined by spiritual guide and founder of LifeQuest, Suzanne Lane, who brings over 30 years of experience helping people find clarity, direction, and flow.Together, we dive into the power of energy, intention, and awareness. Suzanne shares how tools like numerology, kinesiology, crystals, and simple daily rituals can help us release old patterns, reconnect with our higher selves, and make meaningful changes from the inside out.We talk about why “shoulds” can block our joy, how to listen to what our bodies are really telling us, and the small but powerful ways we can bring more light into our everyday lives.This conversation is full of warmth, wisdom, and laughter. It's a reminder that living a joyful, fulfilling life doesn't have to be complicated. Sometimes it's as simple as setting an intention, dancing in the kitchen, or remembering to tell yourself, you're gorgeous.Join us as we explore practical, soulful ways to live in harmony with who we truly are, and to find more life in our lives.Suzanne Lane is the founder of LifeQuest and has spent over 30 years helping people find clarity and direction through her spiritual guidance readings, workshops, and complementary therapies.Today, she works primarily via Zoom with an international client base spanning America, Europe, Abu Dhabi, Japan, and New Zealand. Drawing on extensive training in kinesiology, Reiki, nutrition, counselling, energy medicine, aromatherapy, and more, Suzanne supports clients in creating meaningful transformation in their lives.Before dedicating her career to this work, Suzanne held a demanding corporate role, travelling widely across the US, Europe, and Japan.She has also demonstrated and given talks on Energy internationally for large organisations such as Royal Sun Alliance, Aon, and the Chartered Insurance Institute.Suzanne served for over five years on the board of the Kinesiology Federation. Known for her warm, authentic approach, Suzanne blends deep insight with humour and creativity.Outside of her professional work, she has a lifelong love of travel, the Arts, theatre, and rock and roll.You can find out more and connect with Suzzane online:Instagram: www.instagram.com/lifequestreadingsYouTube: www.youtube.com/@lifequest6886Website www.lifequest.co.uk

November 2025 – Investing in credit In this podcast, Aon's John Harney and Jennifer Michele are joined by colleagues Philippa Allen and Simon Rhodes to discuss investing in an asset class garnering more interest with pension schemes - credit. You will also hear the key pension news from the last month summarised by Jennifer Michele and John Harney. Explore the UK Results of Aon's latest Global Pension Risk Survey: https://www.aon.com/uk-global-pension-risk-survey-2025-26-v2 Read Aon's response to this October's UK CDC developments: https://www.aon.com/unitedkingdom/media-room/articles/whole-life-multi-employer-cdc-regulations Email us your topic suggestions, comments and questions to TalkToUs@aon.com

European bourses are on the backfoot; US equity futures mixed, with the NQ boosted by post-earning strength in AMZN +12.8 & AAPL +1.7%.AMZN beat and boosted on strong cloud growth; AAPL strong results and predicts holiday boom in iPhone sales.DXY remains firm post-FOMC. AUD lags post-Chinese PMI.Commodities trade muted as crude awaits OPEC+ meeting.Bonds are under modest pressure given the earnings-driven US risk tone & Meta issuance, Fed speak looms.Looking ahead, Dallas Fed (Sep), Chicago PMI (Oct), (Suspended Releases: US PCE, Employment Costs), ECB Bulletin, Speakers including Fed's Logan, Bostic, Miran & Schmid, Earnings from AbbVie, AON & Intesa Sanpaolo.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

Further positive trade rhetoric from the US, mega-cap earnings in focus; AMZN +12.9% after-hours, AAPL +2.7%European futures point to a slightly softer open, US futures rebounded from the Powell pressure amid earnings, NQ leadsDXY paused for breath, EUR/USD beneath 1.16, Antipodeans lackluster after a disappointing Chinese Manufacturing PMIFixed benchmarks subdued, weighed on in part by sizable Meta supplyCrude futures lacked demand, XAU tested the USD 4k/oz mark to the downside, base metals rangeboundLooking ahead, highlights include German Import Prices (Sep), Retail Sales (Sep), EZ Flash HICP (Oct), Italian CPI, Dallas Fed (Sep), Chicago PMI (Oct), (Suspended Releases: US PCE, Employment Costs), ECB Bulletin, Speakers including Fed's Logan, Bostic, Miran & Schmid, Earnings from Exxon Mobil, Chevron, AbbVie, AON & Intesa SanpaoloClick for the Newsquawk Week Ahead.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.In this episode of Making Risk Flow, host Juan de Castro welcomes Lambros Lambrou, Chief Strategy Officer at Aon, to explore how one of the world's largest insurance brokers is transforming risk management through data, AI, and innovation. They discuss how global megatrends, trade, technology, weather, and workforce are reshaping the insurance landscape and why a shift from traditional risk protection to enabling upside growth is crucial. Lambrou explains how Aon's “One Data Lake,” Risk Analyzers, and Broker Copilot tools provide real-time, predictive insights that help clients make smarter decisions across property, casualty, cyber, and health insurance. The conversation highlights the importance of breaking down silos, aligning teams around client outcomes, and leveraging technology to deliver integrated, intelligent risk solutions worldwide.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Struggling with costs in your healthcare organization? Reach out to Michael.  Click Here for more info In this insightful conversation, Michael D. Levitt, Founder and Chief Burnout Officer of the Breakfast Leadership Network, sits down with Cary Sparrow, founder of Wagescape, to explore the turbulent evolution of the modern labor market. Adapting to a Rapidly Changing Workforce Cary reflects on the past decade of transformation in employment trends, driven by the pandemic, artificial intelligence, and wage inflation. He compares leading through these changes to navigating whitewater rapids — requiring adaptability, clear focus, and quick course corrections. Over ten years, Wagescape has grown by bringing transparency and real-time insight to the labor market, helping businesses make smarter workforce decisions. AI's Uncertain Future Path Michael and Cary dive into the unpredictable trajectory of artificial intelligence, drawing parallels to the early dot-com era. With two AI patents under his belt, Cary shares that while AI's potential is enormous, not all current initiatives will endure. Both agree that innovation often comes from unexpected sources — not just the big tech players dominating the headlines. Implementation and Strategic Caution Cary shares a story about a promising AI project that quickly became obsolete due to rapid advancements. Together, he and Michael discuss the importance of balancing early adoption with strategic caution, particularly in fields like hiring and finance, where AI's cost-saving appeal must be weighed against the need for accuracy and accountability. AI Meets Healthcare and Employment Drawing on his background in healthcare leadership, Michael recalls working with an ethics officer who helped make tough medical decisions using data-driven insights. He compares this to how AI could analyze healthcare and employment statistics while maintaining human oversight. He suggests that large language models could forecast labor trends over the next 6 to 12 months — a potential game-changer for workforce planning. The Future of Hiring and Education Cary and Michael examine the increasing demand for data-informed hiring, where AI serves as a predictive enhancement rather than a replacement. They discuss how universities must evolve their curricula to align with shifting market skills, and how business leaders often struggle to trust data that challenges traditional gut instincts. Evolving Data Resistance Cary highlights a cultural shift: clients are no longer rejecting data outright but are instead asking smarter questions about its sources and implications. This evolution reflects a growing collaboration between data providers and decision-makers — a key step toward data literacy and trust. As industries accelerate toward an AI-integrated future, this episode offers grounded, real-world insight into how leaders can adapt, stay curious, and lead through uncertainty.   About WageScape (formerly Greenwich.HR) At WageScape, we believe leadership begins with clarity—and clarity comes from having the right data at your fingertips. We empower businesses to focus on what matters most: solving complex problems, leading with vision, and creating impact—while we provide the most comprehensive, real-time labor market data to fuel those decisions. As CEO, my role is centered on building deep, values-driven partnerships with our clients—relationships rooted in trust, transparency, and a shared commitment to innovation. I bring over 35 years of leadership experience across engineering, the military, consulting, and operations, all focused on tackling big challenges and driving sustainable growth. Our team at WageScape is united by a mission: helping organizations make smarter, faster decisions in an $80 trillion global economy. What Sets WageScape Apart: ✅ Trusted by Global Leaders We're proud to serve some of the most respected organizations in the world—Walmart, Aon, Stanford University, Yahoo Finance—offering labor market insights that drive clarity, strategy, and results. ✅ We Don't Just Provide Data—We Build Partnerships Whether you're a consultant, enterprise tech firm, financial institution, or developer, we collaborate closely to help you achieve transformational outcomes. ✅ Global-Scale Intelligence, Real-Time Precision Using patented AI, our datasets—updated continuously from 5.6 million hiring organizations in 210 countries—equip teams with the speed, scope, and scale to lead confidently. ✅ Powering Innovation and Market Readiness Our data fuels everything from predictive market modeling to product innovation and workforce planning—unlocking trends before they hit, and enabling bold, informed decisions. Impact That Speaks Volumes

Ariel Weintraub is the Global CISO at Aon. In this episode, she joins Brendan Galla, Chief Product Officer at Exiger, and host Scott Schober, to discuss the widespread impact of generative AI, its role in the software development lifecycle, and more. Exiger is revolutionizing the way corporations, government agencies and banks navigate risk and compliance in their third-parties, supply chains and customers through its software and tech-enabled solutions. To learn more about our sponsor, visit https://exiger.com.

https://www.FutureOfRisk.com/Generative AI is transforming business at an unprecedented pace, but are organizations seeing real value from this rapid adoption? In the debut episode of Zurich North America's Future of Risk AI miniseries, host Justin Hicks speaks with Kristen Bessette, Chief Data Officer at Zurich, and Anthony Meyers, Managing Director of Data and AI Strategy at Aon, about the practical benefits and pitfalls of integrating artificial intelligence into business. The conversation highlights that while AI adoption is accelerating across industries, success relies on understanding its limitations, aligning technology with business strategy, and embracing change. Real-world examples show how AI is already streamlining workflows, enhancing decision-making and improving customer interactions, but achieving true return on investment requires incremental progress, strong governance and ongoing learning. Business leaders are encouraged to start small, experiment and include cross-functional teams in their AI journey. Ultimately, AI is not a magic wand—but when implemented thoughtfully, it can empower organizations to navigate disruption and unlock new opportunities for growth.Record date: 9/25/25Air date: 10/22/25In this miniseries, other episodes include:11/5/25: Five ways everyone can benefit from AI today11/19/25: Dark side of AI12/3/25: What's next in AI?

October 21, 2025435 words…about a minute read What's new:  In the latest episode of On Aon, Vice President of Global Benefits Kathryn Davis and Global Business Development Director of Global Benefits Celine Ng tong examine the findings from two important Aon reports: the 2025 Global Benefit Trends Study and the 2026 Global Medical Trend Rate Report. The Global Benefits Trends Study highlights how multinational organisations are reshaping their benefits strategies by focusing more on employee value, controlling costs and improving global oversight. We also spotlight the 2026 Global Medical Trend Rates Report, which details that even as global inflation cools in some markets, health care costs remain under significant pressure and have become a pervasive business challenge. Experts in this episode:Kathryn Davis — Vice President, Global Benefits, AonCéline Ng tong — Global Business Development Director, Global Benefits, Aon Key Takeaways: Multinational businesses are making employee benefits more meaningful and visible, with a strong emphasis on transparency and providing greater choice.Effective governance is a top priority, with businesses using data, engaging senior stakeholders and applying disciplined change management to implement benefit strategies.Technology, including AI, is increasingly used to personalize benefits and enhance employee experience, helping businesses deliver greater value.Medical benefit cost growth is slowing and may be plateauing globally, but aging workforces are expected to drive ongoing increases in both medical and retirement benefit expenses. Key Moments:(1:05) The results of the Global Benefits Trends Survey reveal where employers focusing when it comes to their benefit programs and how they can enhance their programs in the eyes of employees.(4:22) The Global Medical Trend Rate Report shows a decrease in the topline rate for a second consecutive year, to 9.8%, from 10% last year. But with costs having gone up so much in recent years, what aren't employers looking at when they look at spend?(8:12) An aging population has ripple effects throughout a company's health, wealth and talent strategies. Higher healthcare costs, combined with higher salaried employees mean higher costs overall. Soundbites:Céline Ng tong“Number one, a big strategic focus on how do we do more and how do we enhance the perception of our benefits programs in the eyes of our employees.” Kathryn Davis“We may have finally hit the peak in medical trend, or at least that we're starting to plateau on a global level. So maybe (it is) time that we stop hyper focusing on cost containment from just medical inflation.” Listen for more: The “On Aon” podcast is available on Spotify, Simplecast and Apple Podcasts (iTunes) More Like This:2025 Global Benefits Trends StudyThe Global Medical Trend Rates Report 20265 Data-Driven Ways HR Can Optimize CostsBuilding a Global Benefits Identity in an Era of Cost Containment

Today we're uncovering...The 2025 Mutual Factor - We'll discuss how the industry has fared in this new era of risk.Plus, lawmakers are taking a closer look at insurers' use of artificial intelligence. How laws and regulations already protect consumers from potential AI errors.Today's episode is sponsored by Holborn.

If you're on the path to the airlines, there's a good chance you'll face an assessment test along the way. These tests aren't just about checking your flying ability—they're designed to measure traits like decision-making, teamwork, and stress tolerance. In today's solo episode, Nik dives into what pilots need to know before sitting down for one of these crucial assessments. What You'll Learn in this Episode: Why major airlines use assessment tests and what they're really looking for The different types of assessments at United, Delta, American, and Frontier The Hogan Personality Inventory (United) and its “Big Five” traits Delta's mix of AON (cut-E) gamified tests and the MMPI deep-dive personality inventory American Airlines' skill and personality assessments Frontier's OutMatch assessment and cognitive testing Practical tips to prepare: practice strategies, environment setup, and mindset What to avoid when answering personality-based questions (like extremes or blind obedience) Free (and paid) resources for practice and prep Pro Tips from Nik: Practice using free resources like Pilotest.com Take your assessment in a quiet, stable internet environment Use a laptop and mouse instead of a tablet Dress professionally if video monitoring is required—set yourself apart Be honest, consistent, and professional in personality tests—don't try to “game” them At the end of the day, whether you're headed to a regional or shooting straight for a major, these tests aren't just boxes to check—they're your chance to show the airlines you're the pilot they want on their team.  CONNECT WITH US Are you ready to take your preparation to the next level? Don't wait until it's too late. Use the promo code “R4P2025” and save 10% on all our services. Check us out at www.spitfireelite.com! If you want to recommend someone to guest on the show, email Nik at podcast@spitfireelite.com, and if you need a professional pilot resume, go to www.spitfireelite.com/podcast/ for FREE templates! SPONSOR Are you a pilot just coming out of the military and looking for the perfect second home for your family? Look no further! Reach out to Marty and his team by visiting www.tridenthomeloans.com to get the best VA loans available anywhere in the US. Be ready for takeoff anytime with 3D-stretch, stain-repellent, and wrinkle-free aviation uniforms by Flight Uniforms. Just go to www.flightuniform.com and type the code SPITFIREPOD20 to get a special 20% discount on your first order. #Aviation #AviationCareers #aviationcrew #AviationJobs #AviationLeadership #AviationEducation #AviationOpportunities #AviationPodcast #AirlinePilot #AirlineJobs #AirlineInterviewPrep #flying #flyingtips #PilotDevelopment #PilotFinance #pilotcareer #pilottips #pilotcareertips #PilotExperience #pilotcaptain #PilotTraining #PilotSuccess #pilotpodcast #PilotPreparation #Pilotrecruitment #flightschool #aviationschool #pilotcareer #pilotlife #pilot

Who are the students and emerging professionals in insurance and risk management today, and what are they looking for in future employers? What do they value most when making career decisions? Gamma Iota Sigma Board of Trustees member and Travelers Executive Vice President and Personal Insurance President Michael Klein, Denise Perlman, Chief Executive Officer of Middle Market at Aon, and Robert Hartwig, Ph.D., CPCU, Associate Clinical Professor of Finance and Director of the Risk and Uncertainty Management Center at the University of South Carolina, shared their unique insights both as leaders in the industry and as mentors for emerging talent. They provided perspectives on how the insurance industry can create meaningful career pathways and rewarding careers for tomorrow's rising stars.Watch the original Wednesdays with Woodward® webinar: https://institute.travelers.com/webinar-series/symposia-series/insurance-emerging-talent.---Visit the Travelers Institute® website: http://travelersinstitute.org/.Join the Travelers Institute® email list: https://travl.rs/488XJZM.Subscribe to the Travelers Institute® Podcast newsletter on LinkedIn: https://www.linkedin.com/build-relation/newsletter-follow?entityUrn=7328774828839100417.Connect with Travelers Institute® President Joan Woodward on LinkedIn: https://www.linkedin.com/in/joan-kois-woodward/.

In this episode of On Aon, Joe Peiser, CEO of Commercial Risk, and Richard Waterer, Global Risk Consulting Leader, unpack the major findings from Aon's 2025 Global Risk Management Survey — and what Risk Management leaders can do to remain resilient in the face of increasingly systemic and interconnected risks.They explore the critical role of analytics in understanding evolving threats and highlight three traits that distinguish highly resilient organizations: insight, agility and collaboration. Key Takeaways:Many of the top risks in Aon's Global Risk Management Survey are broad and interconnected, impacting multiple areas of business.Cyber Risk remains the top concern globally. The rapid adoption of AI is intensifying risk complexity. Artificial Intelligence is itself a top 10 future risk.A persistent gap exists between risk awareness and action. Organizations, need better data and analytics to build accurate risk profiles.Resilient organizations are those that can quantify exposures, optimize capital allocation and embed risk strategy into decision making. Experts in this episode:(Host) Joe Peiser, CEO, Commercial Risk at AonRichard Waterer, Global Risk Consulting Leader at Aon Key moments: (1:12) The top 10 risks in our 2025 Global Risk Management Survey had some surprising and not-so-surprising results. Cyber Risk and Increasing Competition continue to rank highly, while Geopolitical Volatility made a significant jump. (4:14) The risks cited are systemic and interconnected. Their impact is widespread and can be felt across the company. (8:37) Highly resilient companies need three things to set themselves apart — insight, agility and collaboration. Additional Resources:Findings from Aon's Global Risk Management Survey5 Ways to Position Risk Capital as a Value DriverAI and Workforce Skills: Who Should Act and Why Now?5 Top Trends for Risk Capital in 2025 Soundbites:Joe Peiser:“Business leaders can't simply manage more risk by intuition. They really need the tools and the insights from those tools to interpret today's landscape and make decisions that help them survive and thrive.” Richard Waterer:“We were surprised to see Attracting and Retaining Top Talent fall out of this year's top 10. When you consider the challenges being brought about by workforces today, for example, healthcare costs in North America, new legislation on pay transparency in EMEA, you can understand why talent is a complex and costly issue for leaders.

The post Who is your Dark Horse Candidate for the New Apostle? AoN 972 appeared first on The Cultural Hall Podcast.

  1. Name of the Church Emphasis on the Full Name: A sustained and formal effort was launched to encourage members, media, and the public to use the full, correct name of the Church: The Church of Jesus Christ of... The post Michigan Shooting at LDS Stake Center and President Nelson passing AoN 969 appeared first on The Cultural Hall Podcast.

Listen to this podcast episode for a recap of top catastrophe bond, insurance-linked securities and alternative reinsurance capital news, from the week-ending September 14th 2025. Listen to a recap of Artemis' most read catastrophe bond and insurance-linked securities (ILS) news of the last week. We hope this summary provides an easy way to listen to a recap of some of last week's top stories. This week we covered: Swiss Re's moves to consolidate its ILS management platform while its executives explained that alternative reinsurance capital can only become more important; major reinsurers Everest Re, Liberty Mutual Reinsurance, and Mapfre Re all signal stability for attachments and terms is desired; Gallagher Re says property aggregate limit is becoming more available; the Florida Retirement System Pension Plan has specialty and quota share ILS opportunities in its pipeline; Lorenzo Volpi, Deputy CEO of Leadenhall Capital Partners explains that manager selection needs to consider more than just performance; our roundtable in Monaco saw executives with a positive outlook; Aon calls on the re/insurance market to optimise its capital stack and align it with strategy; and more.

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Why do some people manage their money efficiently, while others struggle to spend less than they make?  And how can a global benefits leader make a positive impact on money habits to increase the financial wellbeing for thousands of employees across different countries and cultures?  Listen to Gerry Winters, Sasha Francis and Aon's Global Financial Wellbeing leader Paul Gordon explore the challenges that multinational companies face in bringing greater financial wellness to employees, and how market leading companies have organized to achieve greater outcomes for global employee populations.

Topics include:  Key DC updates   AI, tech and transformation trends in accounting  Technical updates    Speakers:   Erik Asgeirsson, President & CEO, CPA.com  Mark Koziel, President & CEO, AICPA  Lisa Simpson, VP, Firm Services, AICPA  Rachel Dresen, Senior Director of Congressional & Political Affairs, AICPA  Sarah Ference, Risk Control Director, Accountants, CNA Insurance  Nicole Graham, Risk Consultant, Aon 

James "Jim" Downing is a seasoned compliance professional with over 25 years of experience in the broker-dealer and investment advisory industry. Currently serving as the Chief Compliance Officer of JLL Securities, Jim has held similar roles at esteemed organizations such as Morningstar, Aon, BMO, and JP Morgan. Prior to his corporate positions, Jim worked as a FINRA examiner at the Chicago District Office for 5 years, gaining valuable insights into regulatory compliance. Jim has his Juris Doctorate with honors from Taft Law School and a Masters of Accounting with honors from Roosevelt University.Connect with James: https://www.linkedin.com/in/jamesrdowning/

http://copperplatemailorder.com                                    Copperplate Time 514                                presented by Alan O'Leary                             www.copperplatemailorder.com                                          Music & Mischief 1. Bothy Band:  Green Groves/Flowers of Red Hill.  After Hours 2. Garadice: Two Mile Gate/Bridgit McRory/The Woods of Caol Ruadh.  Sanctuary 3. Mick Mulvey & Shane Meehan: Bringing Home the   Bacon/Ballykeale/ Michael's Dance.                 The Missing Guest 4. Liam Clancy:  Ten & Nine.  Liam Clancy 5. Paddy Glackin: Top It Off/The Sunny Banks. Ceol ar an bFidil 6. John & Jacinta McEvoy:  The Boyne Mist/Kilcairn Bridge.  The Boston Mist 7. Catherine McEvoy:  Peter Wyper's/Grace's HP.  Down the Crushen Road 8. Michael Banahan: The Tango.  Broken Heart 9. Gerry Hanley:   Sheehan's/The Longford Tinker/Mulqueen's.  In The Middle of It 10. Marin Fahy & Patsy Broderick:  Easter Day/Cappycun Chase.   Galway to Fiji 11. Altan:  Dulamann. Island Angel   12. Eileen O'Brien:The Hills of Tipperary/Larry's Favourite.Aon le h'Aon 13. Dave Sheridan: I Buried the Wife/O'Dea's/Ryan's Jig.  Drivin' Leitrim Timber 14. The Dublin Trio:  The Pride of Pimlico/An Buachaill Dreoite/Jack Tar's.  The Pride of Pimlico 15. Jean Carignan: Pigeon on the Gate/Fermoy Lasses/Wheels of the World.    Archives 16. Open the Door For Three:  The Boy in the Tree. The Joyful Hour 18. Des Donnelly:  The Orange Rogue.  Remember Des Donnelly 19. Fairport Convention: A Bird From the Mountain. Glady's Leap 20. Ralph McTell & Dave Pegg:  A Close Shave.  Old Pals Act 21. Liam O'Flynn: Humours of Carrigaholt/Mayor Harrison's Fedora/ Cathal McConnell's.                 The Piper's Call 22. Bothy Band:  Green Groves/Flowers of Red Hill.  After Hours  

Crain's education reporter Brandon Dupré talks with host Amy Guth about Northwestern University President Michael Schill's resignation amid blowback from the Trump administration.Plus: Citadel's former Loop office tower HQ goes up for sale, Madison Dearborn buys NFP wealth businesses back from Aon for $2.7 billion, Chicago e-commerce platforms combine to create $3.5 billion firm and the Vatican picks two Chicagoans to open the first restaurant at the Pope's summer estate.

S&P futures are currently up +0.3% and pointing to a higher open today. Asian equities were mixed, with notable declines in Greater China and Japan, while South Korea and Taiwan posted gains. European equity markets are firmer in early trades with major benchmarks all advancing. The JGB 30-year yield hit a record 3.285%, driven by a global selloff in ultralong bonds amid fiscal debt concerns. The 30-year gilt yield also reached its highest level since 1998. Companies Mentioned: Google, Aon, TSMC

Listen to this podcast episode for a recap of top catastrophe bond, insurance-linked securities and alternative reinsurance capital news, from the week-ending August 31st 2025. Listen to a recap of Artemis' most read catastrophe bond and insurance-linked securities (ILS) news of the last week. We hope this summary provides an easy way to listen to a recap of some of last week's top stories. This week we covered: a new CEO for Nephila Capital; Sompo acquiring Aspen Insurance Group; Enstar Group launches its first sidecar; Munich Re exec cautions on staying power of ILS capital; PartnerRe Capital Management hires Benjamin Baltesar; Aon says alternative capital hits $121bn record high; Twelve Securis appoints Paul Larrett as Head of Private ILS; AM Best on expectations for the cat bond market to continue growing and reinsurance efficiency; and Howden Re's David Flandro on the reinsurance cycle. 

In this episode of Learning Matters, host Doug Wooldridge sits down with Colin Platt, Senior VP and National Training Leader at Aon, to explore the future of Learning and Development.Colin shares how Aon is aligning L&D with business strategy, moving beyond checkbox training, and investing in both technical and people skills to help colleagues truly level up. We also discuss how Aon is using AI with tools like AonChat GBT, why leadership buy-in is critical, and what priorities are shaping the next chapter of workplace learning.

Andy Johnson is joined by NBC on-course reporter Jim "Bones" Mackay for a wide-ranging conversation about the 2025 PGA Tour season and what's still to come this year. The two discuss Scottie Scheffler's two major wins and historical comparisons to Tiger Woods and Jack Nicklaus before hitting on two upcoming team events. Andy and Bones start with the 2025 Walker Cup at Cypress Point, Bones's favorite course in the world. They then dive into the upcoming Ryder Cup at Bethpage Black. Bones shares his experiences as a caddie in the Ryder Cup and looks ahead to some pivotal holes that will determine who takes home the trophy in September. For more, check out Bones on Aon's Bethpage Course Insights, live on the Ryder Cup YouTube channel and RyderCup.com/aon on Monday, August 18th.

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  Church responds to allegations against American missionary accused of abusing Tongan boys Appeals court rules against church in child sexual abuse case in Arizona, church leaders says they will appeal Elderly West Jordan man charged with luring girl into... The post What will your “Grandparent Name” Be? AoN 956 appeared first on The Cultural Hall Podcast.

Ask David-- The Fear of Happiness! Although we had five questions for today's Ask David episode, we spend the entire podcast on the first question from a man with an intense fear of happiness. He wrote: How can I use exposure to overcome my fear of happiness? Hi David, How would you do exposure for the fear of happiness? Whenever I feel happy I immediately feel afraid because I had a very strict religious upbringing where many harmless forms of fun and enjoyment were completely forbidden. Even though I'm no longer a religious believer, the fear remains. Feeling good then makes me afraid, anxious and insomniac. This often goes on for days after something good happens and it almost seems as if I AM being punished after all! How can I recover when feeling good makes me feel so bad? Love your work and all that you do. Best regards, Tomas David's reply As I have said on numerous occasions, I do NOT recommend “methods” (like exposure) for “problems” (like your “fear of happiness.”) I think your problem is very treatable, but I work with patients systematically, and that doesn't mean starting out with a “method,” like exposure or any other method. I use a step by step approach, using T = Testing, E – Empathy, A = Assessment of Resistance, and M = Methods in a sequence. In addition, when I work with anxiety, I always incorporate these four approaches with every patient I work with: The Motivational Model: I bring Outcome and Process Resistance to conscious awareness and melt them away, if possible, using a variety of TEAM CBT approaches. The Cognitive Model: This involves a well-done Daily Mood Log to identify and challenge the distorted negative thoughts at one moment in time. The Exposure Model: Facing your fears, or testing them with an experiment. This is frightening, but required of every anxious patient. The Hidden Emotion Model: This is based on the idea that only “nice” people struggle with anxiety, with only a few exceptions, and that an unacknowledged problem is often hiding right behind the anxiety. The cure requires the Detective Step: identifying what the hidden emotion or feeling is. The Action Step: Expressing the suppressed feeling and or dealing with the problem you are avoiding. Your fear of happiness is an interesting problem for sure. One of my favorite movies, “Babette's Feast,” involves this theme. If you want some help, you could send me a partially completed Daily Mood Log. You will discover that you are the only one who is doing the punishing! It is that belittling, intimidating voice in your own head that is causing 100% of your suffering. I look forward to helping you challenge those voices! In the meantime, I'll add this to the latest Ask David podcast questions, in the hopes you might send the DML, and then Rhonda and I can comment in greater depth on the live program. Best, david Tomas kindly sent a Daily Mood Log, which you can see if you CLICK HERE As you can see, the Upsetting Event is simply “studying mathematics,” something he loves. However, he has the belief that if he allows himself to enjoy this or any activity, something terrible will happen to him. He traces this to a strict religious upbringing, and perhaps also to bullying he endured as a kid. You can see that this is intensely upsetting to him. If you look you will see that in 8 of the 9 categories of emotions on his Daily Mood Log (DML), he scores in the range of 80 to 100, which is intense and severe to extreme. The only emotion category that is not extremely elevated is the anger cluster, which he rated at only 40. You can see as well that his negative thoughts all involve the theme of punishment and destruction if he allows himself to feel happiness and enjoyment of life, or if he advances himself in life. In some of the emails he sent me, he traces this back to being bullied when young. . . possibly by kids who were jealous of his high IQ. As mentioned above, I don't throw methods (like exposure) at people based on a problem or diagnosis (in his case a phobia, the fear of happiness.) I also mentioned that I go through the T E A M model in a sequence, starting with Testing and Empathy, followed by the Assessment of Resistance and culminating in Methods. In addition, I always treat anxious patients with four powerful models, including the Motivational Model, the Cognitive Model, the Exposure Model, and the Hidden Emotion Model. I described these models above. The Motivational Model The Outcome Resistance has to do with the fact that Tomas may resist treatment because of his fear of the consequences of successfully achieving happiness. We will deal with that with Positive Reframing, including the Miracle Cure Question, the Magic Button, Positive Reframing, and the Magic Dial. In addition, we'll have to deal with Process Resistance. At some point, we will have to use exposure techniques, and we will want to find out if he's WILLING to do exposure even though it may be extremely anxiety provoking at first. We can dangle the carrot, letting him know that we anticipate a positive outcome, but also understand that facing his worst fears may be terrifying at first, and very uncomfortable. I will not try to persuade him to use any of the many versions of Exposure. He will have to persuade me that he's willing to do it. I suspect he will be, because he is asking for exposure, but if he says he wants to be treated without exposure, I will have to let him know I am not a good choice as a therapist for him! That's because I don't know how to defeat any form of anxiety without exposure. Of course, I cannot treat Tomas, or anyone, through an Ask David, but can only make teaching points. But I am teaching self-help techniques that have been helpful to many people. In an email, I asked him the Magic Button question, and he said he didn't think he'd push it. This indicates some understandable resistance that has to be dealt with. Positive Reframing is one way to deal with Outcome Resistance. The goal is not only deeper empathy but also helping patients “see” that the negative thoughts and feelings they are struggling so desperately to overcome are actually positive in many ways. Once they “see” this, it is kind of a pleasant shock to the system, and their resistance to change typically disappears. Then we ask them to set goals for each negative feelings—a lower level of each feeling that would allow them to feel better and not lose all the wonderful positives we have discovered. That's why it's better NOT to push the Magic Button. To help Tomas or anyone see and list the positives in their negative thoughts and feelings, we ask two key questions about each one: What are some possible advantages, or benefits, of this negative thought or feeling? How might it help me? What does this negative thought or feeling show about me and my core values as a human being that's positive and awesome? Typically, this leads to list of 10 to 20 positives that have three characteristics. To give you an example, his intense loneliness is an expression of his love for people and the great value he sees in meaningful relationships. And his anxiety serves to protect him from danger, and is therefore an expression of self-love. And his feelings of inferiority—in spite of his tremendous intelligence—show humility, which is not only a spiritual quality, but also can make a person of great intelligence more accessible, more vulnerable, and more attractive. Inferiority may also be an expression of his honesty and willingness to acknowledge his shortcomings, as well as his accountability. We could easily go on and on, and it might be a great exercise for you to try find the positives in several other of his negative thoughts and feelings by asking those two questions. Once my patient and I have listed 10 or more positives, I ask if these positives are True and valid? Powerful? Important? Nearly always, I get a resounding YES to each question. Then I use the Magic Dial to see what they might want to dial each negative feeling down to in the % Goal column of the Daily Mood Log. Is this Positive Reframing process straightforward? Easy? Not really. I make it look easy, because when I teach I want people to understand, but “seeing” these positives is, in reality, incredibly challenging for most people. In fact, You can see the Positive Reframing that Tomas completed on his own if you CLICK HERE As you can see Tomas almost completely missed the boat when he tried to identify the positives in his negative thoughts and feelings. I mention this because it is a CRUCIAL step in TEAM CBT, and people often have a tremendously hard time “seeing” the positives in their negative thoughts and feelings. A big part of the reason is that society teaches us the opposite. In fact, negative feelings are Labeled as a bewildering array of more than 200 so-called “mental disorders” by the American Psychiatric Association in their “bible,” the DSM (Diagnostic and Statistical Manual of Mental Disorders.) But here's something even MORE surprising. Rhonda—a highly respected and admired TEAM CBT therapist and teacher—also struggles to find the positives during today's podcast. Once someone has pointed them out, you can suddenly “see” them. But on your own, you may have a lot of trouble at first with Positive Reframing, which is anything but simple, but extraordinarily powerful once you “get it.” I recently told my weekly Tuesday psychotherapy training group at Stanford that TEAM CBT is extraordinarily difficult to learn and master—nearly always requiring years of study and practice—and perhaps the most challenging form of psychotherapy ever developed. She was angry and told me I'd have to do large controlled outcome studies to validate that claim! Yikes! I may be wrong, and there could be other more difficult forms of therapy, but I still believe what I'm saying because I see it every single day. Many of the most powerful and helpful concepts, such as the four “Great Deaths” of the “self” for the therapist and for the patient in TEAM, and the Acceptance Paradox, and more are hard to learn! But worth it, IF you take the time to learn this method. And if you wish to use TEAM CBT, on yourself (for self-help) or with your patients (if you're a therapist) you will have much greater success after you master this powerful but elusive skill. The Cognitive Model After Rhonda and I worked with Positive Reframing, we went on to the technique that usually starts the M = Methods section, called “Explain the Distortions.” This powerful method includes answering three questions about one or several of the distortions you can find in one of the thoughts you want to work on first. First, select the thought and identify all the distortions in it, listing them by abbreviations in the Distortion column on your Daily Mood Log. For example, if it is an example of All-or-Nothing you can put AON in that column. And you can put OG for Overgeneralization, and so forth. Often, you will find five or even ten distortions in a single negative thought. Let's say you work on, “If I'm happy, I'll be destroyed.” This alarming thought includes AON; LAB, FT, DP, and ER. And it's also a Hidden SS. Choose the distortion you want to work on first. Let's say it's Fortune Telling (FT). Why is this distortion, FT, considered a thinking error in general? Why does the FT distortion your specific thought pretty much make the thought unreasonable? In other words, Why does the FT in your thought NOT map onto reality? And finally, why is the FT is this thought unfair? As an exercise, turn off the podcast for a moment and write down your answers to those three questions. Once you're done, you can check the answers at the end of the show notes. It's a great skill to practice and learn, because it will usually make it really easy for you to generate positive thoughts that satisfy the necessary and sufficient conditions for emotional change. Do you know what they are? Write them down before you look at the answers at the end of the show notes. Just take a guess, but WRITE SOMETHING DOWN before you look! But DON'T look until you've written down your own answers! Hey, did you peek, or did you write down the answers first? I get it! And I forgive you! However, you missed out on a great opportunity for learning if you skipped the written exercise. Or, to put it positively, I try to make the exercises fun and interesting. And if you do them, you'll learn some cool and helpful things rapidly. It's like riding a bicycle. You've got to get on and ride to learn how to do it! But here's what's really interesting. You'll notice that Rhonda, once again, really struggles with this exercise during the podcast. Although I think of Explain the Distortions as a really easy TEAM CBT method, experience with real people has over and over again provided abundant evidence that it's NOT easy for many, or possibly most, people at first. So, what's the point? Here's the point. If you're a therapist, this method is powerful, and will richly reward you for the time and effort you spend in learning how to do it! But you cannot take it for granted if you want to use it in an actual therapy session. And if you are simply looking for self-help, the exact same thing is true: the method is incredibly helpful and well worth some time and effort to “get it!” In addition, to challenging the obviously distorted thoughts on his Daily Mood Log, what other methods might be helpful to Tomas? The Exposure Model Well, there are a great many, including the Exposure techniques he was asking for. For example, he could intentionally make himself happy, and then fantasize some horrible punishment using Cognitive Flooding. The idea would be to make himself as anxious as possible for as long as possible, until he finally gets bored with the fantasy, which will definitely happen eventually, and the anxiety disappears. Exposure is terrifying at first, and it is supposed to be. That's whey and how it works! The Hidden Emotion Model There are many helpful variations on the Exposure front, and the Hidden Emotion Model might also be key. Is there some problem or issue in his life that Tomas is not dealing with? The Class on this technique in the (now entirely free for the summer of 2025 app) Feeling Great app has many details and exercises and examples to show how this mind-blowing technique works. That's it for today's podcast. I want to thank you, Tomas, for providing us with a fascinating problem, and all of you who send in your questions. We are SO GRATEFUL that you are bouncing back, Rhonda, after your ordeal with radiation therapy for your lymphoma, and send you all our love and best wishes for joyful and complete healing and liberation from your nightmare! Warmly, Rhonda and David Answers Here is my answer to first exercise on the necessary and sufficient conditions for emotional change from a positive thought. . The necessary condition for emotional change: The Positive Thought must be 100% correct. The sufficient condition for emotional change: The Positive Thought must reduce your belief in the disturbing negative thought. Sometimes you'll want to reduce it all the way to zero. Sometimes, that's not necessary, especially with Should Statements. Here are my answers to the three questions about Explain the Distortions above. In general, FT is a thinking error when you are making arbitrary alarming predictions without strong evidence that supports those predictions. In particular, there is no evidence that supports the claim that people who feel happy rapidly become the victims of some horrific disaster or punishment. This thought is very unrealistic because the ONLY punishment that Tomas has experienced is the result of his own negative thoughts! This thought is unfair because it puts Tomas in handcuffs so he will be unable to enjoy his life.