Podcasts about banks

Sen. Banks calls-in to talk about the Sec. of State nominee vote this weekend and why he doesn't back Diego Morales anymore, plus the Iran peace deal and more. See omnystudio.com/listener for privacy information.

Alex Johnson, founder of Fintech Takes, details why many banks are thinking about AI the wrong way. He updates his views on stablecoins vs. tokenized deposits, discusses why fintech competition remains a potent threat to banks and talks about why the bigger issue may be how customers use AI to make financial decisions.

Rebecca, Liz, and Alison speak with Rachel Levinson-Waldman from the Brennan Center for Justice about the Trump administration and current Congress weaponizing the government to attack nonprofits and punish speech and viewpoints they don't like. They explore how executive orders and anti-terrorism statutes are being abused to investigate, defund, and intimidate civil society, and how this strategy is essential to the broader project to transform America from a democracy to an autocracy.   Show Notes Rachel Levinson-Waldman's Bio Brennan Center for Justice  Trump Administration Documents Presidential Memo - "Countering Domestic Terrorism and Organized Political Violence" Bondi Memo - "Implementing National Security Presidential Memorandum-7: Countering Domestic Terrorism" "2026 Counterterrorism Strategy" 2027 FBI Budget Request to Congress Executive Order Designating Antifa as a Domestic Terrorist Organization Department of Justice - "The Biden Administration's Weaponization of the Freedom of Access to Clinic Entrances Act" Executive Order - "Guaranteeing Fair Banking for All Americans"   Articles and Reactions NPR - "'We're not afraid': George Soros' foundation on being Trump's next target" (Open Society Foundation) Lawfare - "The Politically Motivated Indictment of Southern Poverty Law Center"  Civil Society Rights & Resiliency Resources - Charity & Security Network  "What NIJ Research Tells Us About Domestic Terrorism" Cato at Liberty Blog - "Politically Motivated Violence Is Rare in the United States" (right-wing extremists account for 11% of politically motivated killings, while left-wing extremists account for 2%) Brennan Center for Justice - "Trump's Orders Targeting Anti-Fascism Aim to Criminalize Opposition"  ACLU - "How NSPM-7 Seeks to Use "Domestic Terrorism" to Target Nonprofits and Activists" Just Security - "How Designating Antifa as a Foreign Terrorist Organization Could Threaten Civil Liberties" Lawfare - "The Bondi Memo's Quiet Rewriting of Domestic Terrorism Rules" Lawfare - "You Can't Designate 'Antifa.' Banks and Platforms Will Act Like You Did Anyway"   Check us out on YouTube, Instagram, Facebook, Bluesky, and X. Our website, we-dissent.org, has more information as well as episode transcripts.

  Rob is Co-Chair of Taft's Sports Law Group and Chair of the firm's Cincinnati Business practice. He is widely recognized as principal counsel to private equity and venture capital funds, growth-oriented companies, sports franchises, and research institutions. His practice focuses on leading equity financings, securities offerings, complex commercial transactions, mergers and acquisitions, and other strategic initiatives. Rob regularly advises global and national clients on the structuring and execution of significant business transactions. Rob is actively engaged in civic and professional leadership at both the national and local levels. He serves as Chairman of the Board of Directors of the National Underground Railroad Freedom Center and is a board member of the FC Cincinnati Foundation. Reflecting the international scope of his practice, he also serves on the Board of Interlex, a global association of leading law firms. In Ohio, Rob is a member of the Executive Committee of the Cincinnati Chamber of Commerce and has previously served as Chair of the Cincinnati Symphony Orchestra and President of the Association for Corporate Growth (ACG) Cincinnati. Rob earned his bachelor's degree from Duke University and his MBA from the Kellogg School of Management at Northwestern University. During his undergraduate studies, he completed comparative law coursework at New College, Oxford University. He received his J.D. from Washington University School of Law, where he also clerked at the U.S. Securities and Exchange Commission during his final term. Rob grew up in Kobe, Japan.

Ed is the grandson of footballing legend Gordon Banks. He was a national icon, the only goalkeeper ever to win the soccer World Cup for England. But Ed's heard a rumour: that in 1970, while defending the title, his granddad, his hero, was poisoned… by the CIA. All part of a Cold War plot to bolster a military dictatorship in Latin America, supposedly. Could this possibly be true? Banks did get ill in Mexico in 1970 with food poisoning. And England crashed out, marking the start of decades of hurt. Ed enlists the help of investigative journalist Gabriel Gatehouse. Together they embark on a journey into the bewildering world of Cold War espionage, a journey that threatens to unravel 60 years of sporting history; or possibly… to knock Ed's granddad off his pedestal. Listen to FOUL PLAY on the Audible App or wherever you get your podcasts. Audible subscribers can binge all episodes of FOUL PLAY early and ad-free right now. Join Audible in the Audible App or by subscribing on Apple Podcasts.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Chris Giancarlo, former CFTC Chairman, author of Crypto Dad: The Fight for the Future of Money, and Senior Strategic Advisor at Patomak Global Partners, joined me to discuss the latest developments in crypto in the U.S.Topics: - Clarity Act and crypto legislation - CFTC & SEC rulemaking - Prediction markets - TradFi embracing Crypto - Stablecoins vs CBDC privacy Brought to you by

Ed is the grandson of footballing legend Gordon Banks. He was a national icon, the only goalkeeper ever to win the soccer World Cup for England. But Ed's heard a rumour: that in 1970, while defending the title, his granddad, his hero, was poisoned… by the CIA. All part of a Cold War plot to bolster a military dictatorship in Latin America, supposedly. Could this possibly be true? Banks did get ill in Mexico in 1970 with food poisoning. And England crashed out, marking the start of decades of hurt. Ed enlists the help of investigative journalist Gabriel Gatehouse. Together they embark on a journey into the bewildering world of Cold War espionage, a journey that threatens to unravel 60 years of sporting history; or possibly… to knock Ed's granddad off his pedestal. Listen to FOUL PLAY on the Audible App or wherever you get your podcasts. Audible subscribers can binge all episodes of FOUL PLAY early and ad-free right now. Join Audible in the Audible App or by subscribing on Apple Podcasts.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ed is the grandson of footballing legend Gordon Banks. He was a national icon, the only goalkeeper ever to win the soccer World Cup for England. But Ed's heard a rumour: that in 1970, while defending the title, his granddad, his hero, was poisoned… by the CIA. All part of a Cold War plot to bolster a military dictatorship in Latin America, supposedly. Could this possibly be true? Banks did get ill in Mexico in 1970 with food poisoning. And England crashed out, marking the start of decades of hurt. Ed enlists the help of investigative journalist Gabriel Gatehouse. Together they embark on a journey into the bewildering world of Cold War espionage, a journey that threatens to unravel 60 years of sporting history; or possibly… to knock Ed's granddad off his pedestal. Listen to FOUL PLAY on the Audible App or wherever you get your podcasts. Audible subscribers can binge all episodes of FOUL PLAY early and ad-free right now. Join Audible in the Audible App or by subscribing on Apple Podcasts.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ed is the grandson of footballing legend Gordon Banks. He was a national icon, the only goalkeeper ever to win the soccer World Cup for England. But Ed's heard a rumour: that in 1970, while defending the title, his granddad, his hero, was poisoned… by the CIA. All part of a Cold War plot to bolster a military dictatorship in Latin America, supposedly. Could this possibly be true? Banks did get ill in Mexico in 1970 with food poisoning. And England crashed out, marking the start of decades of hurt. Ed enlists the help of investigative journalist Gabriel Gatehouse. Together they embark on a journey into the bewildering world of Cold War espionage, a journey that threatens to unravel 60 years of sporting history; or possibly… to knock Ed's granddad off his pedestal. Listen to FOUL PLAY on the Audible App or wherever you get your podcasts. Audible subscribers can binge all episodes of FOUL PLAY early and ad-free right now. Join Audible in the Audible App or by subscribing on Apple Podcasts.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ed is the grandson of footballing legend Gordon Banks. He was a national icon, the only goalkeeper ever to win the soccer World Cup for England. But Ed's heard a rumour: that in 1970, while defending the title, his granddad, his hero, was poisoned… by the CIA. All part of a Cold War plot to bolster a military dictatorship in Latin America, supposedly. Could this possibly be true? Banks did get ill in Mexico in 1970 with food poisoning. And England crashed out, marking the start of decades of hurt. Ed enlists the help of investigative journalist Gabriel Gatehouse. Together they embark on a journey into the bewildering world of Cold War espionage, a journey that threatens to unravel 60 years of sporting history; or possibly… to knock Ed's granddad off his pedestal. Listen to FOUL PLAY on the Audible App or wherever you get your podcasts. Audible subscribers can binge all episodes of FOUL PLAY early and ad-free right now. Join Audible in the Audible App or by subscribing on Apple Podcasts.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ed is the grandson of footballing legend Gordon Banks. He was a national icon, the only goalkeeper ever to win the soccer World Cup for England. But Ed's heard a rumour: that in 1970, while defending the title, his granddad, his hero, was poisoned… by the CIA. All part of a Cold War plot to bolster a military dictatorship in Latin America, supposedly. Could this possibly be true? Banks did get ill in Mexico in 1970 with food poisoning. And England crashed out, marking the start of decades of hurt. Ed enlists the help of investigative journalist Gabriel Gatehouse. Together they embark on a journey into the bewildering world of Cold War espionage, a journey that threatens to unravel 60 years of sporting history; or possibly… to knock Ed's granddad off his pedestal. Listen to FOUL PLAY on the Audible App or wherever you get your podcasts. Audible subscribers can binge all episodes of FOUL PLAY early and ad-free right now. Join Audible in the Audible App or by subscribing on Apple Podcasts.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ed is the grandson of footballing legend Gordon Banks. He was a national icon, the only goalkeeper ever to win the soccer World Cup for England. But Ed's heard a rumour: that in 1970, while defending the title, his granddad, his hero, was poisoned… by the CIA. All part of a Cold War plot to bolster a military dictatorship in Latin America, supposedly. Could this possibly be true? Banks did get ill in Mexico in 1970 with food poisoning. And England crashed out, marking the start of decades of hurt. Ed enlists the help of investigative journalist Gabriel Gatehouse. Together they embark on a journey into the bewildering world of Cold War espionage, a journey that threatens to unravel 60 years of sporting history; or possibly… to knock Ed's granddad off his pedestal. Listen to FOUL PLAY on the Audible App or wherever you get your podcasts. Audible subscribers can binge all episodes of FOUL PLAY early and ad-free right now. Join Audible in the Audible App or by subscribing on Apple Podcasts.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ed is the grandson of footballing legend Gordon Banks. He was a national icon, the only goalkeeper ever to win the soccer World Cup for England. But Ed's heard a rumour: that in 1970, while defending the title, his granddad, his hero, was poisoned… by the CIA. All part of a Cold War plot to bolster a military dictatorship in Latin America, supposedly. Could this possibly be true? Banks did get ill in Mexico in 1970 with food poisoning. And England crashed out, marking the start of decades of hurt. Ed enlists the help of investigative journalist Gabriel Gatehouse. Together they embark on a journey into the bewildering world of Cold War espionage, a journey that threatens to unravel 60 years of sporting history; or possibly… to knock Ed's granddad off his pedestal. Listen to FOUL PLAY on the Audible App or wherever you get your podcasts. Audible subscribers can binge all episodes of FOUL PLAY early and ad-free right now. Join Audible in the Audible App or by subscribing on Apple Podcasts.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, Chris Nichols and DJ Seeterlin explore what banks can learn from Trader Joe's approach to strategy, focusing on clear customer segments, intentional trade-offs, and delivering value over price. They discuss how aligning products, people, and experiences around a defined audience can help banks stand out, and how these same principles apply to areas like AI, where technology should enhance the human connection. Download our newest eBook: The Community Bank Performance Engine!   The views, information, or opinions expressed during this show are solely those of the participants involved and do not necessarily represent those of SouthState Bank and its employees. SouthState Bank, N.A. - Member FDIC

What if mindfulness isn't just something you practice for a few minutes each day, but a way you move through the world?In this reflective solo episode, Jasmine explores the deeper meaning of mindfulness and how it can become a foundation for self-trust, emotional regulation, and inner peace. Guided by thoughtful questions, we explore what happens when we live on autopilot, why mindfulness can feel surprisingly uncomfortable at first, and how cultivating awareness can help us navigate stress, relationships, and life's uncertainties with greater intention.Whether you're new to mindfulness or looking to deepen your practice, this episode offers gentle insights and practical reflections to help you become a softer place to land for yourself.✨ Stay Connected with Shots of Serenity ✨Thank you so much for tuning in! If today's episode resonated, please share it with someone you love and subscribe on your favorite platform — iTunes, SoundCloud, Spotify, or Google Play.

The Cybercrime Wire, hosted by Scott Schober, provides boardroom and C-suite executives, CIOs, CSOs, CISOs, IT executives and cybersecurity professionals with a breaking news story we're following. If there's a cyberattack, hack, or data breach you should know about, then we're on it. Listen to the podcast daily and hear it every hour on WCYB. The Cybercrime Wire is brought to you Cybercrime Magazine, Page ONE for Cybersecurity at https://cybercrimemagazine.com. • For more breaking news, visit https://cybercrimewire.com

June 15, 2026 ~ Lloyd Jackson, Jeff Donofrio from Business Leaders for Michigan, and Mike Lee, Crain's Detroit Business managing editor, discuss the Gordie Howe Bridge, Comerica Bank branch closures, and the Cranbrook Tennis Classic. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Have you ever felt angry with God because your prayers seemed unanswered? In this honest and encouraging episode of Encouraging Prayer, Dr. James Banks and Robby Dilmore explore a topic many believers experience but few openly discuss: how to pray when you're frustrated, disappointed, or even angry with God. Drawing from personal experience and powerful biblical examples, Dr. Banks shows that God invites us into authentic relationship—even when our emotions are raw. Looking at Moses' heartfelt complaint in Numbers 11, he reveals how Scripture gives us permission to bring our deepest struggles, questions, and frustrations directly to the Lord. Rather than turning away from God in difficult seasons, we are encouraged to lean into Him, trusting that He hears, understands, and responds with grace. If you've ever prayed, "Why, Lord?" or wondered how to keep talking to God when life doesn't make sense, this episode offers biblical wisdom, hope, and practical encouragement for deepening your relationship with Him through every emotion.

Vladimir Novakovski sits down with Andy & Robbie to break down the Lighter bull thesis from The Tokenization Tower in NYC. We discuss Lighter's escape hatch design that lets every participant exit through Ethereum even if the protocol fails, why the RFQ model is the key to bootstrapping liquidity for pre-IPO and RWA perps, and why getting Citadel and US institutional capital on chain is the biggest unlock the perp market hasn't hit yet. He's working with the CFTC to make that happen.Vladimir Novakovski is CEO of Lighter, a decentralized perp exchange built on top of Ethereum with an institutional-grade security-first architecture.The Rollup is where the leaders of digital assets and finance converge. Live from the financial capital of the world.Timestamps00:00 Intro01:37 Perp Market Awareness Today03:26 Pitching Institutions On Lighter05:28 Ethereum Security And Escape Hatch07:54 How Market Makers Stay Comfortable11:17 How Lighter Bootstraps Liquidity12:35 Pre-IPO Perp Durability15:37 Build In-House Or Composable19:29 US Regulatory Path For Perps23:29 CFTC Innovation Council Insights26:39 Questions For Commissioner Hester Peirce28:07 Team Culture And Miami Office32:26 Founder Decision Making Framework34:46 AI Agents And Lighter's Stack37:30 Perps Market Structure Long View41:21 Power Law Or Distributed Market?Guest Socials:Vladimir Novakovski X: https://x.com/vnovakovskiLighter X: https://x.com/Lighter_xyzLighter Website: https://lighter.xyz/Partners:Better than Banks. Transparent capital efficiency earning the highest yields in DeFi. Learn more here: https://infinifi.xyz/---Dinari - Over 230 1:1 backed tokenized stocks, ETFs & more with dividends. US-based SEC transfer agent. Available on 5+ chains & via API. https://dinari.com/---Relay is the fastest and most reliable way to swap any token on any chain. Learn more here: https://relay.link/bridge---Zama is an open source cryptography company that builds state-of-the-art Fully Homomorphic Encryption (FHE) solutions for blockchain.Learn more here: https://www.zama.org/---Trezor is the creator of the first-ever hardware wallet. Securing crypto for 2M+ users worldwide. 100% open source. Learn more here: https://affil.trezor.io/aff_c?offer_id=133&aff_id=36664---

On this episode I chatted to Carter Banks. Carter grew up in Duncan Oklahoma moved to OKC. Was always interested in history, storytelling, exploring the abandoned. In 2019 he started uploading videos of him exploring abandoned buildings in Oklahoma. Quickly realizing the his opportunity. He went all in during 2020, growing his YouTube channel and other social media platforms. Traveling the world, telling amazing stories of the abandoned.  Carter now has millions of followers across his social media platforms, and as you can imagine. Exploring abandoned buildings comes with its own challenges. Over the last 7 years he has interacted with many characters, he's been put in jail! Crazy story, you'll just have to listen.  https://linktr.ee/BigBankzyt?utm_source=linktree_profile_share<sid=8c94b3ac-7fe2-450c-8c00-7a6722742718 Huge thank you to our sponsors. The Oklahoma Hall of Fame at the Gaylord-Pickens Museum telling Oklahoma's story through its people since 1927. For more information go to www.oklahomahof.com and for daily updates go to www.instagram.com/oklahomahof  The Chickasaw Nation is economically strong, culturally vibrant and full of energetic people dedicated to the preservation of family, community and heritage. www.chickasaw.net Dog House OKC - When it comes to furry four-legged care, our 24/7 supervised cage free play and overnight boarding services make The Dog House OKC in Oklahoma City the best place to be, at least, when they're not in their own backyard. With over 6,000 square feet of combined indoor/outdoor play areas our dog daycare enriches spirit, increases social skills, builds confidence, and offers hours of exercise and stimulation for your dog http://www.thedoghouseokc.com Metro Ford of OKC is proudly serving Oklahoma City with vehicles you can rely on and service you can trust. It's also why they're Oklahoma's Number One Performance Dealership. Shop the inventory today at metrofordofokc.com where the difference is Real. #thisisoklahoma

Ripple CEO Brad Garlinghouse criticized JPMorgan Chief Jamie Dimon over his comments on the CLARITY Act. Meanwhile, banks are saying the quiet part out loud. ~This episode is sponsored by Uphold~ Uphold Exa Credit Card ➜ https://bit.ly/UpholdExa 00:00 intro 00:08 Sponsor: Uphold 01:00 CLARITY Odds 01:29 Brad Garlinghouse vs Jamie Dimon 02:07 Negligent or Liar? 02:20 Ripple vs Congress 02:46 Brad: Revenue & Stablecoin Growth 03:26 RLUSD Growth 03:55 Ripple x Bitso 04:23 RLUSD Mutlichain 04:42 JP Morgan admits there's no JPM Coin demand 05:44 Ripple on RLUSD Demand Unlock 06:20 More trust for RLUSD 06:29 Bank lies exposed 07:16 PNC Bank CEO not worried about deposit flight via Yields 08:25 Banks laugh at bullshit argument 09:05 Banks are slow with A.I. too 09:30 Ripple Launches A.I. Starter Kit 10:23 Mastercard a nothing burger? 10:57 Brad on future acquisitions 11:24 Ripple moving faster than banks 11:47 outro #Crypto #XRP #xrpnews  ~Banks Admit To Lying!?

What happens when customers stop opening banking apps and start managing their finances through AI assistants?In this episode, we sit down with Mathias Fanschek, Head of Digital Transformation and Retail Strategy at Raiffeisen Bank International, to explore how one of Europe's largest banking groups is preparing for a future of headless banking, agentic commerce and AI-powered customer experiences.With 18 million customers across 11 markets and managing over €200 billion in assets, Mathias shares what it really takes to move generative AI from experimentation to production. We had a good discussion about virtual mobile assistants, transforming legacy data infrastructure, and managing executive expectations in a rapidly changing, highly regulated landscape.You'll also hear Mathias' perspective on Revolut's new PRAGMA model, why context is the missing ingredient in today's AI experiences and how banks can remain trusted intermediaries as customers increasingly interact through AI-powered distribution channels.

Welcome back to the Before the 1st Cast Podcast with Trever Wagner! This week, we're diving deep into the massive weekend of competitive bass fishing. First, we break down Banks Shaw's incredible 52-pound victory at the MLF Tackle Warehouse Pro Circuit stop on Lake Eufaula in Oklahoma. Shaw has been on an absolute tear since his dominant 2025 season, and we recap exactly how he secured his latest win against the field. Can anyone stop his Angler of the Year run?Next, we shift gears to the West Coast to talk about the 2026 Bassmaster Kayak Series at Clear Lake, California. The kayak fishermen faced tough conditions and giant bass, and we discuss Matthew Brannon's monster final day to take the title. Whether you are a tournament pro, a dedicated kayak angler, or a weekend bank fisherman, this episode is packed with tournament analysis to help you catch more fish.Finally, stick around until the end for our Tackle Tip of the weekend—buzzbait fishing! I share my top secrets for throwing a buzzbait to trigger explosive topwater strikes right now. Make sure to hit that subscribe button for more professional bass fishing tournament analysis, kayak fishing coverage, and tackle tips!Become a supporter of this podcast: https://www.spreaker.com/podcast/bass-cast-radio--1838782/support.Become a Patreon memebet now for less then a pack of worms you can support Bass Cast Radio as well as get each epsiode a day early & commercial free. Just click the link below. PATREON 

This was a fun discussion about the serious issue of gasoline, diesel, and fertilizer price increases for farmers, ranchers, and consumers in California. Make no mistake, the actions taken by the Newsom administration have driven consumer prices to some of the highest in the United States. Gavin has taken California from almost energy independent to total dependence on imports.We have Mike Ariza, a downstream expert, who has been on the podcast several times. A great resource for boots-on-the-ground information on the California downstream market. Connect with Mike on his X account. @MikeAriza4531Also, we had Joseph Huitt, who is with the Bordin-Huitt California Almond Ranch. Check out their family products for honey and specialty almonds at https://bhalmondranch.com/1. California's Energy Crisis & Fuel DependencyMike Ariza, an energy expert, explains that California has become dangerously dependent on fuel imports (40% dependent). Two major refineries were converted to renewable diesel in 2023, taking 350,000 barrels of crude oil processing offline. This resulted in no gasoline or jet fuel production from those facilities. The Iranian conflict further disrupted supply chains, cutting off jet fuel, diesel, and gasoline shipments from Asian refineries. President Trump's waiver of the Jones Act allowed fuel from Gulf Coast refineries to reach California, preventing potential $10+ gasoline prices and shortages.2. Agricultural Challenges & Rising CostsJoseph from Borden Hewitt Ranch discusses the severe economic pressures on family farms:Red Diesel prices skyrocketed from $3.17/gallon in February to $4.79-$6.60/gallon by MarchFertilizer costs doubled from $300-$500/acre to $400-$700/acre due to Strait of Hormones closureAlmond prices have remained below the $2/pound break-even point for five yearsPayment delays: Farmers receive paychecks every 3-4 months, not weekly, creating cash flow challenges3. Water Rights & Agricultural RestrictionsJoseph describes severe water restrictions in California's San Joaquin Valley, where farmers are prohibited from irrigating during peak heat seasons (June-July) despite canals being full. Banks only finance half the land value due to water limitations, effectively halving farm viability.4. Regulatory Overreach & Equipment RestrictionsEPA regulations prevent farmers from repairing their own equipment without manufacturer accessA diesel mechanic was jailed for helping farmers and truckers repair enginesSoftware restrictions: Farmers can't access tractor software updates, limiting their ability to fix equipment independentlyTuning restrictions: Rice farmers need extra horsepower to navigate clay fields but face penalties if caught modifying engines5. GMO Seeds & Agricultural ContractsDiscussion about restrictive seed contracts where farmers must purchase new seeds annually and cannot replant saved seeds from previous years, creating ongoing dependency on seed companies.6. State Taxes & Economic BurdenMultiple taxes burden California farmers:Cap and Invest (called "Theft and Invest")Road taxes37 cents for bullet train funding80 cents for other state initiatives These taxes are passed directly to consumers through higher food prices.7. Food Supply Chain VulnerabilityIf California loses refinery capacity, diesel shortages would collapse logistics, resulting in:Only 3-5 days of food supply in metropolitan areasPort of Los Angeles unable to operateFood distribution across the entire country disrupted (LA is the largest food importer during winter)8. Family Farm Viability & Future GenerationsJoseph, at 25 years old, represents the challenge facing young farmers. While passionate about farming, he's pursuing a master's degree in biological science (studying avian influenza) because farming alone cannot support a family. His mother advised all children to pursue other careers while farming as a side activity—a common reality for modern family farms.Overall Theme: The podcast highlights how interconnected energy, agriculture, and regulatory policy are in California, and how state policies are making it increasingly impossible for family farms to survive while threatening regional and national food security.Hat tip to the Great John Rich for being named the Special Envoy to Farmers for the USDA. We have reached out to him to see about getting him on the podcast.Check out the Energy News Beat SubStack https://theenergynewsbeat.substack.com/A shout-out to Steve Reese and the Reese Energy Consulting group for sponsoring the Podcast https://reeseenergyconsulting.com/.Data2 if you have any business systems, can you trust A? Well, they have the patent on validation. . https://data2.zoholandingpage.com/energyAnd we have WellDatabase rolling in as a new sponsor. https://welldatabase.com/

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Rod Griffin. Senior Director of Public Education and Advocacy at Experian.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald interviewed Rod Griffin. Senior Director of Public Education and Advocacy at Experian.

At this year's annual meeting of the European Bank for Reconstruction and Development in Riga, Latvia, discussions centered on a critical structural shift: what development finance should look like in an age of persistent volatility. Ukraine is increasingly shaping the answer, as the bank's sustained financing during the war emerges as a potential blueprint for future conflicts. We were also on the ground for the World Bank Fragility Forum, an event uniting global stakeholders to address the challenges of operating in areas experiencing fragility, conflict, and violence. The deteriorating situation in the Democratic Republic of Congo emerged as a central discussion point. Highlighting the complexity of aid delivery in active conflict zones, the governor of the DRC's South Kivu province issued a stark call to withhold funding for development projects until baseline peace and stability are secured. Examining the Trump administration's “America First” foreign policy, we also contemplate how to ensure that domestic resource mobilization becomes an effective way to increase development finance. To dig into these stories and others, Senior Editor Rumbi Chakamba sits down with Managing Editor Anna Gawel and Global Development Reporter Jesse Chase-Lubitz for the latest episode of our weekly podcast series. Sign up to Devex Invested, our free, semiweekly newsletter bringing you the insider brief on business, finance, and the SDGs: https://www.devex.com/newsletters/invested

David Schamis breaks down why PERE now holds over 10% of HYPE's circulating supply, why the Coinbase and Circle deal added $200M in annual buybacks that the market didn't price in for a full day, and why Hyperliquid's price discovery on Cerebus and SpaceX may make investment bankers irrelevant to the IPO process. David Schamis is CEO of Hyperliquid Strategies, a publicly traded company and one of the largest corporate holders of HYPE.The Rollup is where the leaders of digital assets and finance converge. Live from the financial capital of the world.Timestamps00:00 PERE Major Update Announced01:03 Not Michael Saylor Mindset05:38 ATM Equity Line Explained08:00 Right Move Is Nothing11:19 Coinbase Circle Deal Impact14:16 $200M More Buybacks16:02 He Checks HYPE Constantly17:32 Cerebus IPO Predicted Perfectly18:34 SpaceX Price Discovery22:13 Anthropic OpenAI IPOs Coming25:22 IPO Discount Is Toll31:12 PERE Beat All ETFsGuest Socials:David Schamis X: https://x.com/dschamisHyperliquid Strategies X: https://x.com/HypeStratHyperliquid Strategies Website: https://www.hypestrat.xyz/Partners:Better than Banks. Transparent capital efficiency earning the highest yields in DeFi. Learn more here: https://infinifi.xyz/---Dinari - Over 230 1:1 backed tokenized stocks, ETFs & more with dividends. US-based SEC transfer agent. Available on 5+ chains & via API. https://dinari.com/---Relay is the fastest and most reliable way to swap any token on any chain. Learn more here: https://relay.link/bridge---Zama is an open source cryptography company that builds state-of-the-art Fully Homomorphic Encryption (FHE) solutions for blockchain.Learn more here: https://www.zama.org/---Trezor is the creator of the first-ever hardware wallet. Securing crypto for 2M+ users worldwide. 100% open source. Learn more here: https://affil.trezor.io/aff_c?offer_id=133&aff_id=36664---

Share your thoughts with meGet your FREE recipe from my book by clicking here Buy the full book from Amazon hereor buy the ebook hereIn this episode I share an honest and intimate conversation that I am having with Carly Banks.Carly is an Ayurvedic Health Counselor, educator, and founder of The Habit Ayurveda. Known for her relatable storytelling and practical approach to wellness, she has built a massive Ayurveda community through newsletters people actually read and Instagram posts people actually save. Carly blends ancient wisdom with modern life, helping Ayurveda feel less like a philosophy and more like something you can use on a Tuesday afternoon. Get in touch with Carly through social media @thehabitayurvedaor her website : https://thehabit.net/

Today on The Peak Daily, we dig into the nicotine pouch boom among young Canadians and why regulators are struggling to keep up. We also break down OSFI's push for big banks to lend more to small businesses, plus the latest on CUSMA uncertainty, the Bank of Canada holding rates steady, and Ubisoft's latest round of studio closures.The Peak Daily is produced in partnership with reframevid.com

Harshil Mathur started Razorpay after quitting the highest-paying job on his campus, a role his whole family had just celebrated, because he walked in on day one and realised he was a guy who wanted to sit and code, not step onto an oil field.Then he spent a decade away from that: walking into bank after bank getting laughed out of the room, surviving the grind no funding can fast-track, and the night Yes Bank froze with customer money stuck inside it. This is the founder story, lived experience as an edge, why the rejections compounded in his favour, why the grind always comes, and the values that made the hard calls simple.And then the thing that pulled him back: agentic AI. "It went from being an assistant to an execution engine." Six years after he last wrote real code, Harshil locked himself in a room, asked "if I were to start Razorpay today, how would I build it?" — and rebuilt everything.The second half is an operator's view of what that shift actually changes: 1. Why AI magnifies an org's weaknesses instead of fixing them2. Why an agent with no plan drifts exactly like a company with no plan3. How Razorpay flipped its leadership hackathon and the bet behind Agent Studio4. Hosted by Avnish Bajaj with Vikram Vaidyanathan this is a conversation about building, walking away from it, and being pulled back, and what that says about where AI is headed.Chapters00:00 Introduction02:15 Growing up in Jaipur & coding since 6th grade05:30 IIT Roorkee, SDS Labs & building without permission10:45 Quitting a $100,000 Schlumberger job in 6 months14:20 The Facebook comment that sparked Razorpay18:00 100 banker rejections & how rejections compound24:10 Getting into YC with zero expectations35:30 Yes Bank freezes — one decision defines the culture40:00 Going back to coding after 6 years — AI changes everything52:00 Rebuilding Razorpay from scratch with AI agentsFollow Z47Website - https://www.z47.com/Instagram - https://www.instagram.com/z47.vc/LinkedIn - https://www.linkedin.com/company/z47-vc/

Morgan Stanley analysts Ravi Shanker and Jeff Adelson take a look at what the fight for affluent, loyal travelers could mean for banks and airlines. Read more insights from Morgan Stanley.----- Transcript -----Ravi Shanker: Welcome to Thoughts on the Market. I'm Ravi Shanker, Morgan Stanley's North American Airlines analyst. Jeff Adelson: And I'm Jeff Adelson, Morgan Stanley's U.S. Consumer Finance analyst. Ravi Shanker: Today, who really owns your travel loyalty? The airline, the bank, the rewards platform, or you? It's Wednesday, June 10th at 7am in New York. Jeff Adelson: So, Ravi, you just came from your annual travel conference, and I'm about to head into the second day of Morgan Stanley's 17th Annual Financials Conference here in New York, where we're hosting roughly 135 corporates.A lot of themes are coming up there: retail engagement, product innovation, regulatory change, AI digital assets, capital markets recovery, and so on. All of these connect back to a bigger question. Who owns the customer relationship? Ravi Shanker: And that's exactly where travel co-branded cards come in. They sit at the crossroads of premium consumer spending, loyalty, and the competition for wallet share. They've become a more important revenue stream across travel, banking, and hospitality.But it's not as simple as more travel means more co-brand growth. Most customers still want flexibility, cashback, and low fees. Premium travelers and loyal airline customers behave differently. Let's start with the cardholder. Most consumers have a credit card, but travel co-branded cards are still a much smaller piece of the overall wallet. So, how big is the opportunity here, and how hard is it to get consumers to switch? Jeff Adelson: So, what's actually interesting, Ravi, is that travel co-branded cards are still relatively under-penetrated. In our survey, about 90 percent of cardholders have a general purpose card, while only about 22 percent have an airline card, and 12 percent have an hotel co-brand card. So, on the surface, the runway for growth does look significant. The upshot is also that once you get these consumers in the door, they are much higher spending and drive a ton of volume and incremental card economics for both the banks and their co-brand travel partners. The challenge is that consumers are pretty loyal to their cards or airlines that they already use, so most people aren't actively looking to switch. They tend to add a new card only when the value proposition is compelling enough. And sometimes given these one-time nature of the signup bonuses, it results in some churning without keeping the customer for the long term. So ultimately, what this all means is issuers and travel brands aren't just competing with each other, they're competing against habit. So, to win, they need to offer something that's meaningfully better than what's already in the consumer's wallet. Ravi Shanker: Got it. So, consumers seem to care most about value, fees, rates, and reward. Cashback still leads by a wide margin. So where do travel-specific rewards fit in? Jeff Adelson: The nuance here matters. Travel rewards don't need to win with everybody to be valuable. What makes them so powerful is they resonate with a specific group of customers, specifically the ones who are traveling – the frequent travelers, the ones who spend more, and those who engage more deeply with loyalty airline programs, for instance. For those consumers, lounge access, status benefits, upgrades, and airline or hotel points can create a level of engagement that's difficult for just a basic cashback card to replicate. The nuance here matters. Travel rewards don't need to win with everybody to be valuable. What makes them so powerful is they resonate with a specific group of customers, specifically the ones who are traveling – the frequent travelers, the ones who spend more, and those who engage more deeply with loyalty airline programs, for instance. For those consumers, lounge access, status benefits, upgrades, and airline or hotel points can create a level of engagement that's difficult for just a basic cashback card to replicate. Ravi Shanker: So, the premium consumer looks different. Why is that customer so important to card issuers? Jeff Adelson: So, higher income consumers frankly just spend a lot more. They're more loyal, they carry more cards, and they're more willing to pay a higher annual fee if they feel like they're getting the value from the card back after they pay that fee. In our survey, consumers earning over [$]150,000 per year of income spent roughly twice the amount on their primary card, and they were willing to pay almost twice the annual fee as other income cohorts. They're also attractive from a credit standpoint, from a, you know, delinquency perspective. These customers are more likely to pay their balances in full each month, and as a result, have lower credit risk. And often they keep long-standing relationships with their banks or their airline partner. That's why premium card and travel partnerships remain such an important customer acquisition tool for a bank. It has a really long lifetime value. The battle isn't really for the average card holder; it's for the affluent consumer who's driving a disproportionate share of spend in the U.S. economy.Ravi Shanker: Got it. So, the banks and travel brands are partners today. But they're also starting to potentially compete more directly for the same customer. What should investors watch to see whether this stays a partnership or becomes more of a tug-of-war? Jeff Adelson: So historically, this has been a successful partnership, especially in recent years as high-income consumer spending pie has grown in the U.S. How this works is airlines provide loyalty and travel experiences. Banks provide the card issuance, distribution scale, and share back those card economics to the airlines. Everybody wins when the travel spend grows. But we're starting to see some things overlap. Banks are building their own premium travel ecosystems. That includes things like flexible rewards points with the ability to transfer to any airline you want, proprietary lounges away from the airlines, and travel benefits that increasingly compete with airline loyalty programs. So, what investors should watch from here, in our view, are two things. Number one, is the high-income consumer and the travel pie continuing to grow? That's really what's held everything up and frankly, driven the airlines that you cover to realize that they hold this golden ticket. They hold the access to that consumer, so they've begun negotiating for more of the economics away from the card issuers. The second thing we think that you need to watch out for is whether consumers really continue to value these airline-specific rewards enough to justify the existing partnership model. Our survey indicated that most consumers still prefer flexible rewards over points tied to a single airline. But among frequent travelers and airline loyalists, the airline ecosystem does remain powerful. So, the future does seem to depend in part on whether these travel brands can continue to deliver on experiences that the consumers really can't get elsewhere. So, Ravi, maybe switching to you. For the airlines, the question I have for you is a little different. How do you turn loyalty into a durable, profitable revenue stream without losing sight of the core travel product? Ravi Shanker: That's exactly it. Kind of you referenced the strength of the travel ecosystem in your previous response, and I think that's exactly what the airlines need to focus on. I think the takeaways for the airlines from the survey is very clear. You cannot have a co-brand revenue opportunity in isolation. It is just a layer on top of your core revenues. You cannot build an incredible loyalty or co-brand franchise without having a very strong core airline product. The analogy we use in our report is that it's sort of like the restaurant business.Most restaurants usually make the bulk of their profitability off of the wine menu or the liquor menu, even though you're going there primarily for the food and the ambiance and the service. If you don't have really good food and ambiance and service, you can't make money off of the wine menu. Similarly, we think the airlines need to continue to focus on their core product, whether it's their network or their reliability, their safety, where they fly, the quality of the product in the sky, the lounges, as you mentioned. And once you get all of that in order, then you can tap into the co-brand revenue opportunity over time. Jeff Adelson: So maybe just running with that analogy on, you know, co-branded revenues becoming a more meaningful part of the airline business. Why are they so strategically important in your view? Why should the consumer pay for that bottle of wine that they can get? Ravi Shanker: Look, we, we don't have a full disclosure from the airlines just yet, but we have some nuggets that tell you that this is a very attractive revenue opportunity, right? So, look at some of the numbers we do have. We think that this business has been growing at a low double-digit CAGR for the industry, which is much faster than core revenue growth. We think it has already grown to be about low double-digit percentage of overall revenues. And from the little info we have, we can surmise that this is a very, very profitable business. Something in the order of 35-50 percent operating margins, if not much higher than that in an industry that is overall working really hard to get to double-digit margins on a core basis. So, this business can be about half of overall mid-cycle profitability, maybe even higher for some of the airlines, even though, it is considered to be an ancillary revenue stream. This is also a very, very stable business that doesn't exhibit the kind of cyclicality or volatility as the core passenger airline business. And so, we think the airlines will be looking to grow this for the margins, for the stability, and for the, honestly, growth opportunity over time. Jeff Adelson: And if we think about that opportunity growing over time, if consumers really do care more about tangible benefits than brand prestige, as I think our survey indicated, what does that mean for the airlines trying to build that loyalty through these card partnerships?Ravi Shanker: It's exactly as you mentioned, kind of, earlier – that we think both the banks and the airlines need to keep investing in the product. They need to keep giving the consumers enough rewards that make it seem worth the fees and worth the while to subscribe to a travel co-brand card – versus going with a more generic card that gives you just plain cash back. And I think, again, it comes down to whether the core airline product is strong enough for the consumer to warrant going down the path of building loyalty with the airline franchise. And if the consumer is committed to travel, as a share of the consumer's wallet significantly enough to commit to travel cards' benefits over generic benefits. We have a lot of confidence in the latter. In that all of our data, all of our surveys since the pandemic have shown that travel is now almost a consumer staple spending item rather than being a consumer discretionary spending item that it was before. And travel is now a significant spending priority – after only groceries and household staples for the average consumer. For the high-end consumer, it is the number one spending intent category. So, we know that travel is very important. Whether the airline is worth, kind of, committing to or not is very airline specific in our view.Jeff Adelson: So, if we put this all together and, you know, you think about your forecast for the industry and, you know, our joint forecast for the co-branded card revenues… Ravi Shanker: Mm-hmm. Jeff Adelson: Maybe just talk a little bit about how you think those revenues keep growing so strongly, or whether they continue to grow strongly. Or is there a risk that this all plateaus at some point in the near future? Ravi Shanker: Look, that's a great question, and that's why we highlight three possible scenarios in the report. In our base case, we have the industry growing at roughly the same double-digit CAGR that it has been for the last few years. That sees the market go from about $25 billion today to about [$]60 billion in the next 10 years. In our bull case, we have travel as a share of overall spending, and travel cards as a percentage of overall credit card issuance, which you highlighted earlier was a pretty low number, actually expand to something more reasonable. And that's where we see the potential for the market almost quadrupling from $25 billion today to [$]100 billion in the next 10 years. And our bear case, kind of that's when you talk about a macro risk. Second, maybe some kind of slowing down in travel as a spending priority, which we actually don't think happens. But what's more likely is the point you referenced earlier, in response to my question about the relationship between the airlines and the hotel companies versus the credit card issuers may be changing a little bit. And this becoming a little more of a free-for-all in the industry and a little more competitive. That could potentially, kind of, hurt the economics for the overall industry, even though the size of the pie will continue to grow. So that brings us back to the consumer's wallet. So, every time I'm on a trip, I have several options – maybe a cashback card, maybe a premium travel card, maybe an airliner hotel co-brand card. So, which one am I reaching for every time I look to swipe? Jeff Adelson: Well, I mean, I think at its core, it really depends. It's a battle at the end of the day for the loyalty of a high quality, sticky and heavy spending consumer. And consumers are largely rational, right? So, they're going to go with a card where they think they get the best value. And if that's their airline card where they think they can accrue the best loyalty status and maybe get their first class upgrade every now and then and get unlimited access to the lounges, maybe they'll choose that. But really in a survey what we learned was most consumers tell us they care about value, flexibility and rewards. So, the highest value consumers I just mentioned are also looking for experiences, convenience and status. So that's why the banks, airlines and hotels are all investing so aggressively in these premium ecosystems to try to lock them in and keep them loyal. Every swipe is really a vote for which ecosystem delivers the most value if you think about it, right? The winner isn't necessarily the company with the best card too. It's the company that creates so much of the strongest overall relationship with the consumer. And that's why this competition matters so much across banking, travel and hospitality. So, we are watching this competition. So far, it's working. It's a rising tide that's lifting all boats. But as I mentioned before, it really will only continue to work if our forecasts are right and the high-income consumer views this as less of a discretionary spend item and more of a stable spend item. And, if that pie, and the high-income consumer, continues to grow in the U.S., then this relationship can continue to work for the foreseeable future, we think. Ravi Shanker: That makes a ton of sense. Jeff, thanks so much for joining me on the show today. Jeff Adelson: Thanks, Ravi. It was my pleasure. Ravi Shanker: And to our listeners, thanks for listening. If you enjoy Thoughts on the Market, please leave us a review wherever you get your podcasts and share with a friend or colleague today.

Part one of Kiera's conversation with Howard Farran on the Dentaltown podcast. They discuss how many details a dentist should know about their business, what about the COVID-19 pandemic still haunts practices, the AI of dentistry and the human care of patients, hidden gaps draining profitability, and more. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript: The Dental A Team (00:00) Hello, Dental A Team listeners, this is Kiera. And today we are sharing a guest interview I did on another podcast. And it was too valuable not to bring you guys here.   this episode, you're gonna hear this host lead the conversation and then I'll wrap us up at the end. I cannot wait. It was truly one of my most   episodes and I truly hope you enjoy.   The Dental A Team (00:17) It's just a huge honor for me today to bring back Kiera Dent. How are you doing, Kiera? my gosh, Howard. It's so great to be back. I remember my very first podcast with you. I was actually at an office in Alabama and I went like hid in this room because I was starstruck podcasting with you. So to be able to be back on the show with you ⁓ several years later is just fun. I love what you guys are doing. I love Dentaltown. I love your posts. so it's really fun to be back. So thank you. ⁓ the honor is all mine. Just remember Kiera likes Shakira.   And Dent is just her nickname. The full name is Dental Queen Goddess. So thank you. And ⁓ she is the founder and CEO of the Dental A Team, committed to elevating dentists and their teams to their highest level through customized in-office and virtual consulting and training. Her vast experience ranges from the front office to assistant, regional manager, and dental practice owner, giving her a perspective few consultants can claim.   She and her team work with hundreds of dental practices nationwide and confidently say we don't just understand you, we are you. Among her many accomplishments, Ciara has grown a practice from 500,000 to 2.4 million in just nine months with a doctor straight out of dental school. She's coached hundreds of practices, authored numerous articles, and designed a customizable operations manual manual that serves as a roadmap for systems and team success.   Her Dental A Team podcast has amassed nearly 2 million downloads, making it one of the most impactful resources in all of dentistry. Kiera lives every day by her core values. Do the right thing, ownership, passion for excellence, ease, grit, innovator, die, and fun. Her motto says it all. There is always a solution. And my gosh, I just want to tell you the truth. And the reason I was so excited to bring you on. It seems like dentistry has turned into two groups of dentists.   There's all the old farts like me who, you know, we had, you know, we had great practices, great lives, great careers. And then you got these younger dentists that look at us and say, ⁓ man, you graduated in the good old days. You know, you didn't have five hundred thousand dollars of student loans, you didn't have DSOs, Delta hasn't given us a raise in four generations, and and and they're mad at the ADA. I think they're even mad at their mom. I I they're I think so and they're not happy. Do you have any good news?   For these dental graduates with $500,000 of student loans, or did they make the wrong decision and should have become a plumber? I mean, you know, plumbing is always a backup plan if dentistry doesn't work. So I think you're like at least in that realm. Like, you know, there's always options. But I love dentistry and I actually, ⁓ I think we're actually in the best time of dentistry. And I know that yes, there's the good old days. Then Howard, those were great days for you. But I think like, how many options do people have now? We have AI, we have these innovations, and I mean.   Your my example of a student straight out of dental school, we actually had one million. So I actually called her 2.5 because we had $2.5 million. So from student debt to practice loan debt to buying another location, all within a couple of months of us starting the practice. And so I called her 2.5 every time I walked past her. I was like, get that back straight, girl. Like we got 2.5 mil of debt on us. but to be able to grow our practice in nine months was   Absolutely incredible. And I think that that's where dentistry is amazing. There is no cap, there is no ceiling, and you have a way to truly impact and change people's lives. And I'm like, you have DSOs as options. Like there were not the times where you were getting the multiples that you get today. You also have like there are so many avenues that dentistry can afford you. but I think it's a it's a matter of what you choose to focus on, is what you're going to find more of. If you want to sit here and say, ⁓ my gosh, it's awful. We have 500,000 of debt. And I'm like, Yeah, but guess what? My husband had   Not quite the same, but we had several hundreds, thousands of dollars of debt. And he's a pharmacist. And so I understand what it's like to come out of school and have hundreds of thousands of dollars of debt on us. But guess what? He's making, you know, hundred, hundred and fifty. If we're lucky on a good day, we're capped out. It took us forever to pay back our student loans. But as dentistry, you have untapped and uncapped potential. And so for me, you get to change people's lives, you get to give them confidence, you get to help them have better health, and you're able to make people smile like.   I can't think of a better opportunity to be a part of. And I'm not just Pollyanna over here. I coach hundreds and thousands of offices. I've seen the good, the bad, the ugly, and the in between. But I'll tell you, depending upon how you choose to view this, you can either find the good or the bad. And I'd recommend like, let's find the great because it's a gold line of opportunity if you want to see it. What what do you say to dentists who say, Mm-mm, you know, I I really don't want to complain really a bit. I mean, on paper my   My practice looks perfect. I got two hygienists. I do a million dollars. I do all this, but just internally it just feels chaotic and stressful. So it looks like on paper he's doing everything right. But she says, I still feel like chaos and stress. What's what's that about? I think like welcome to being a business owner. I think that there's two sides of success. In the word success, there's literally the word suck. Like there are parts of success that are going to suck. Like that's just how it is, guys.   And so that chaos and internal turmoil, I think I there I have lots of offices where you don't have to be that way. And I think going from like operator doing all the pieces, being stressed out into like a CEO of a business. ⁓ I think sometimes dentists are such gunners doers, they're so hands-on that they have this internal chaos. But there there are paths again that don't have to be that way. But I also think this is part of the game of business that we signed up for. And I think when you get to the level like Howard.   You've seen, I've seen over our career, we've got the gunners and the doers and the like zero to two year business owners. Like it's freaking chaos. It's psycho. Like you're learning these things just like you're back in dental school. But as you mature, you start to realize that the chaos is just part of the game. And the more you're able to learn to weather it, to see it, and to not do all the pieces, elevate your team, get great people, do like hire it out. You can hire, I mean, a practice is doing a million and you got great profitability and overhead.   You can hire a lot of great people to take away a lot of your problems. And so like, let's get some of those things done. And then you actually become happier and you make more money. So that you don't have to sit in that chaos. I think that there's a part of it that will always suck. but there's also a part that can really be the successful part too, that's fulfillment and enjoyment. But you got to make the steps and take the steps to do it rather than just sit and complain about it.   Love it, love it, love it. ⁓ what do you what do you say about the ⁓ the dentist who got out of school, goes and works for a major DSO, say say he's working for Rick Workman, Heartland, and he works there two years, and you know, he you know, he's working for a guy that owns eighteen, nineteen hundred dental offices, but he can't tell you the code for a profit. Can't he'll say, like, you know, are they paying my pay right? Really? You can't check at you. I mean, it it's like   It's like they'll listen to a forty hour lecture on the difference between two different composites, but they did I mean th they worked through two years, they don't know insurance codes, they can't check out a patient, they don't know the software. I mean, I had one guy tell me, ⁓ the only thing you could tell me about the practice manager software is the brand name. He couldn't tell me and then he's asking me, you know, it what which one you know, but anyway, do you think do you think a dentist doesn't need to know all the business details?   Or do you think that's a blind spot and you can't delegate anything till you can do it and master it? I think that there's two types of owners. And I think that there's some that are really great at hiring people that they are great at hiring people, knowing it, listening to podcasts, hiring coaches, training the team, and like having somebody spot check for you. Then there's others that like they've got to know the ins and outs. But I think that like Howard, there's   To me, there's also a middle ground where I think that you can go sit with your biller for one day and just like say, like, walk me through your process. So you have a general idea and an understanding of what they do. Go watch to see how they schedule. ⁓ I think when it comes to billing, I do think the dentists have a very big blind spot. And to me, that is like as a business owner, not to know how your money comes to you. To me, that feels like a pretty big blind spot of like even just understanding that knowledge. And so   If I were to say, I don't think you need to know the ins and outs. I love like I recognize this. I was a business owner of it. I own practices. I worked with hundreds of dentists at Midwestern University's Dental College. Like, I hear what you guys are taught. Plus, I'm a team member on the other side. And so I created a billing course and an office manager course because I just want a dentist to know like, what should I be able to expect? And I think like if you want to just have a general overview so you don't get blindsided, you you can have it. I think you can quickly within like a week.   Know the bulk of like everything you need to know in a practice very simply, very easily. So that way you can delegate. That way you can have it. You're not gonna be perfect. but I think just having a general awareness. And then I love to give doctors just a quick checklist, like once a month, go spot check, go grab an EOB. Even if you don't know what the heck that EOB is, go ask your front office for it, check it. And just the more you learn that language, just like the language of business, I think it doesn't need to be an overnight sensation.   But I do think the more you're aware of it, I don't think you have to do every single role though to be a successful practice owner. And I mean, shoot, if Heartland can do it, I think it's a good example. But I think who are you? And are you a hands-on tactical person? Are you somebody who's really good at hiring people, t trusting other people, getting the checklist and spot checking? I think you can do it either way. But my recommendation is like just like one week, go like sit in every seat of your practice and get a general awareness and educate yourself on the things that you don't know. I'm really big on money, understanding at least how insurance works. And then also how do we like   present cases, what are kind of the flow that way those big zones that really impact your financials, you can you can be aware of. So those courses, those online CE courses, your website is The Dental A Team. The Dental A Team. Now I think the A Team, you need that guy with the Mohawk and all the bling. I mean that's who I am in my like spare time. This hair is just a facade. Like, you know, I hang out as Mr T. Mr T. Mr T, Mr T, yeah.   That's why I was thinking the A Team, but is that on your on your website, the th those courses? Yeah, they are. So we have an online library, it's all C E. We've got downloadable checklists, we've got operations manual. You got it. That's exactly right. And Howard, in real time, I'll have our marketing team actually put together a code. If you guys put in Dentaltown, since you're listening, we'll make sure that you guys get a coupon code for that as well. Well, since it's my compass podcast IRS that you just put Fabio.   you want Fabio? Okay. well in that case. So ⁓ so is I also see you have a ⁓ Summit twenty twenty six is live on Friday, April twenty fourth. Grab your ticket. Where's where's that show gonna be? Is it Reno where you are? You know, that's actually virtual, Howard, and it's one of our like favorite comebacks constantly. And the reason I do it virtual, people have been asking me for years, like, why don't you do it in person, Kiera? And what I found is   Because it's so like again as a team member, I really struggle to get my team ramped up, amped up, and have it be financially affordable. So what I found is if we can have it virtual in your practice with your full team, you guys are able to get this boost and surge of energy and have a good time. So it's for leadership teams, it's for doctors. ⁓ we've been doing it for six years strong and we tend to have hundreds of offices. You get your whole office there, you have a good time.   But yeah, it's virtual and it's C E and it's a great time. ⁓ I attend a lot of Tony Robbins, a lot of Brendan Bouchard, Rachel Hollis. So we've learned how to do people have told me the online experience is so fun. ⁓ we just get continual people coming back year after year after year. So yeah, come join us. It'd be a great time. I love Tony Robbins because ⁓ you know, my boys they wrestled year round from age five to fifteen.   Yeah. Made our garage. I got two real wrestling mats from the manufacturer in Pennsylvania delivered by an AJ Miller. So I never ever parked in my garage ever. And we would we were listening to that Tony Robbins 30 day, 30 day personal power. Yep. And then I and then I bought my first laptop when I went to MBA school. And so I took notes on it. And then when I was done, I I ⁓ closed down Saturday and I went to a studio Saturday, Sunday, and I ranted out my notes.   And I said, this has got to be 30 hours because I mean it's still Tony Robbins 30 day personal power. And that was the 30-day dental MBA. ⁓ and it worked out to be about thirty hours. But I'm telling you, the pandemic changed everything. That was when ⁓ online CE at Dentaltown just went through the roof and it hasn't come back and dental meetings haven't come back. Cause why do I need to fly to Chicago to listen to you if I got a Zoom call or   or streaming video or this event. I mean, I mean, just think of the plane ticket, the hotel, the sitting and attending. If you're in Phoenix, you know, just to get to New York is a five hour flight. I mean, why I I gotta fly five hours each way when I could see you on YouTube or a podcast or or whatever. But I wanna but I want to go back to that pandemic because that pandemic, I really think the reason you can really do this so successfully today is because of that pandemic. That's why we realize   I don't have to be in the flesh to learn knowledge. And and like I I I feel fine talking to you. I me too. The only thing I regret is teaching my mother how to do that. I got her FaceTime and all that kind of stuff. And because she calls to tell me about ever every one of her exciting things is junk mail she has. She's eighty seven and she believes every piece of junk mail. I love it. She's always free freaking out on her junk mail. But but I want to talk about the pan the dark side of the pandemic.   And that is a lot of people think about 20% of the hygienists left to practice. Before, you know, when I got out of school, your labor was supposed to be twenty percent, your overhead was supposed to be fifty percent. And by the time it was it didn't even take 10 or 20 years, and and due to insurance, I think not keeping up, ⁓ overhead went to basically two thirds. It went to about sixty-five percent and labor went to about twenty five, sometimes twenty-seven percent.   I'm hearing thirty percent labor all the time. And I mean I mean I'm talking about serious dudes who know the business of dentistry. And I don't I don't want to get my buddy Rick Kirstram out of me. He owns a hundred comfort dentals and he said he can't he said he's got the mean and lean where labor is twenty. He says he's got mean and leans with labor at twenty-eight, twenty-eight and a half. So so the the pandemic is ⁓ it that was five years ago. Why do you think it   seriously impacted labor cost of the pandemic. I do, Howard. And I think I think we kind of have this perfect storm, right? Like I think we've got multiple waves coming at us that have impacted. I think the pandemic pushed out those that were like, you know, I'm done. Like, like I'm good. I'm at the end of my career. I don't really want to do that. ⁓ a lot of hygienists are female and I think a lot of them realize they did not need two incomes anymore. And so it's like, you know, I want to be with my kids. I want to be home.   And then hygiene schools don't pump out a lot of hygienists and it's usually like a two year span. So yes, I have actually seen like hygiene is it really did, and then it clicked up. So the cost of hygienist has gone up astronomically. I mean, I think the highest I've seen of a hygienist being paid was 85 an hour. And to me, I was like, at that point, that was up in ⁓ it was up in Washington, up by Bellevue, Mount Vernon, that area. And I literally saw the the posting for 85 plus a a bonus, and I was like,   Screw that at that point. Like in all respect to hygienists, I'm gonna hire a dentist for that cost. Like I truly will. And that's not being disrespectful. It's just like a dentist is a more multifaceted. I understand they are not great hygienists, but if I have to and I'm gonna be putting this number up, like we've got to get to a space where it does work. So yes, I do. However, there are more hygienists coming onto the market. I still know that this is one of the hardest things, but ⁓ I have a practice that's out in Maui, rough life, huh, Howard? I get to fly to Maui to go do work, like.   You know, shout out to that office. ⁓ but what we found is we were able to find a way to get the hygienist to be paid exponentially higher by doing assisted hygiene. And so I think I'm seeing people innovate. I think I'm watching them create. I think I'm seeing people do some more outsourced costs in the front office. And so they're able to then offset the costs of the clinical team. ⁓ I think that people are just getting innovative and creative. And what I want to highlight is while this feels annoying, this is also business. And if we don't innovate and if we don't continue to evolve,   We actually decay and decline as an as an organization and as an industry. And so I know it's annoying and I absolutely empathize. And you're right. Like for me on our payroll, we're at 30%. Like I've had that as our metric for our clients for the last five years because payroll costs have gone up. But I'm like, but just because they've gone up, like let's look at several other industries. I mean, we're not here to like love on or hate on McDonald's, but I'm like, they have kiosks. They figured it out.   I checked in at a hotel in downtown San Francisco. There was no person there when I checked in. It was literally a person on Zoom just like this. I clicked in, they said hello to me. They took my information, but they didn't have to have a physical body in the office. And I think with AI and technology, dentistry is going to evolve, but I think the art and the care of patients does not need to evolve. And so, like, let's put our dollars where that matters and let's be able to look and innovate in other ways that keep our costs low. ⁓ I still think dentistry, I mean, why is there a one percent default rate on loans? Like,   Banks are still lending. We had the first down year of DSOs last year and the first uptick of private practice last year. And so when I look at these things, like it is still a great business to be in, even though labor costs, like, guys, again, it's just another flavor of business. So like let's figure out how to innovate. Let's figure out how to do it. And like, yes, I'm gonna pay for great people. I see team members as assets, not liabilities. And I'm gonna cut and chop on other areas that I can, but I'm also gonna be smart with my labor costs and make sure each person hitting their KPIs, they've got numbers that they're driving.   We are running this as an efficient business while like loving and taking care of our patients at the same time. I'm glad you mentioned bank loans because it's less than one percent default rate. Yes. All the defaults have the same thing in common. They all had their license taken away. Right. Always. And and if it's for drugs or alcohol, they now treat that as a medical disease. And the dentists still say, Screw you, I'm not gonna quit doing biking. And then they run south of the border. And that's why whenever you find a dentist down there that looks like me.   They're running for free Vicada. They they they said I'm not peeing any. So unless you, you know, do something just horrible. I mean, and you know, you have you have to get your it licensed in your way. But I w I wanna tell you about you know, there's just so many other things that you can focus on besides labor, like increasing their productivity. ⁓ I know dental offices. you can get a full if you pay a dentist in the Philippines five dollars an hour.   You get the best dentists in the Philippines. And I and there's dental offices that with Zoom and things like that are doing all their insurance and their claims and all that stuff. I mean, ⁓ so the with with with ⁓ with the internet, I mean you can literally have someone ⁓ be at the front desk ⁓ on a on a kiosk that's actually a dentist from the Philippines from five dollars an hour who when he's not busy can be calling your insurance companies all that. I I want to ask you another thing that's really hot on Dentaltown.   today. Everybody keeps talking about these dental insurance EFTs versus virtual credit cards. but basically everybody's reporting that major dental companies like even Delta are gonna stop sending paper checks and you gotta do it all electronic. And I guess that that electronic could be free, but it could be you know it could be another three and a half or three percent credit card fee on all your claims. Or what or what are your thoughts on all that? I'm hard on that   I have and I'm a hard no on the credit cards. Like, why? Why are you doing that? EFTs are so fast. Like there's absolutely no reason to be paying this. Explain to my home. A lot of them don't even know what a EFT. Mo I I bet 80% of the the dentists listen don't even know what we're talking about. Will you explain it? Will you explain it like I just graduated from dental school eight minutes ago? Of course. Well, I think that this is also where going back a little bit where you said, like, do dentists need to know the business? To me.   You don't even have to know that much, but I want to just challenge you that if you're getting a three, three and a half percent cut on your payments for quote unquote ease, that's a real big hit. And I would just challenge you to think about like for what and why. And so coming in, there's different ways the insurances are going to pay you. So they're gonna pay you via paper check, they're gonna pay you via EFT, which is a electronic fund transfer, or they've got this new thing where they're gonna pay you via credit card. And like honestly, to me, the credit card is so scammy.   And I've talked to so many people and like educate me, like, why would anybody do this? Like, I cannot comprehend. Like, I'm already taking a cut on insurance as is. Like, thank you for my marketing fee to be an insurance. Like, that's how I view that that write-off. Like, I know you hate it, but you're also gonna, you're either gonna have to do that, or you're gonna have to pay for marketing to bring in fee for service patients. So, like, again, let's just think about that. But I'm like, so I've already got a cut there, but I'm then gonna take another hit in addition to that for a credit card ease.   So as we're talking about that electronic fund transfers, they deposit straight into your bank account. The reason that some offices don't care for electronic fund transfers is because like trying to match it up is a like it kind of dumps and chunks into your bank account. So all you need to do is help your team members. Like there's ways that you can have it where it automatically emails your team when that comes through. So then they can go online and they can find out what the EFT was, so then they can balance and like enter it in.   I do think dentistry software is so dated because what happens is when we get paid from the insurance company, we get either like it's called an EOB, it's an explanation of benefits, and it's like batch checks. So when they dump this money to you, Delta's gonna give me like 20 grand. But like, who do I allocate that 20 grand to of all these patients? So that's I think where some people have like, well, electronic funds are so annoying and this and that. But I'm like, they're very quick, they're very fast, they're a lot safer than paper checks. Paper checks people do get embezzled on.   That I literally see no reason. Like, I don't care if you get it like one day sooner with a credit card, you are paying a huge hefty fee on that unnecessarily when electronic fund transfers are pretty much just as fast. Like maybe a like smidgey of a delay. But to me, that's a that's a very worthwhile smidgey of a delay. Because you're getting your payments so much faster. And as long as you're staying on top of it, you should still be able to maintain a 98% collections rate, even if you do checks or if you do electronic fund transfers. It just is so.   So dumb. I've yet to see a reason. But to me, I'm like insurances are so smart because it's just another way for them to take a chip out of what they're paying you and to have it come back to them. So again, think of the motive as to why they're offering. These people are not dumb. Those insurance companies, if you've ever gone to a business who's the biggest building in the entire city, it's your insurance companies. They're not dumb businesses. And I think we need to be smarter business owners that out think that. They always but Delta always says, we're   Yeah, so is Rolex Watch. Rolex Watch is a non profit. And and some of the CEOs of some of the anyway, we won't go there. But ⁓ yeah, ⁓ so what other ⁓ besides you know, when when someone tells me about their overhead, I tell them, look, I can't call the government and have my tax rate lowered. I can't call the nuclear power plant SRP or APS and tell them to lower my electric bill. I mean, something I i if the hygienists can   Wants a dollar an hour and if I say no, I'll give you 75 cents and she can go get a dollar across the street. I mean the market sets many, many prices. So the only way to fight that back is to ⁓ increase your productivity. You know, I mean if if if you have a dollar in labor and they do a dollar in dentistry, your overhead is a hundred percent. But if your dollar in overhead can do two dollars in dentistry, now it's down to fifty percent. So how so ⁓ are there other   ⁓ hidden gaps that are quietly draining profitability, or has it just come down to production? Or is it both I like I'm so glad you brought this up because I think like it's so easy to sit here and say, like, dentistry's not profitable. But I'm like, go find me another business that has a one percent fell rate that usually can run twenty to thirty percent profit margins if you run a business right. And this is not just Kiera sitting here fluff. This is like I got real clients running at these margins consistently. They've got large practices, small practices.   And so when I look at this and I'm like, okay, how do we make this more efficient? A lot of people want to go to the first thing of like, let's cut insurances. And I'm like, yay, pop the confetti, but be real smart. Because again, you're gonna then increase marketing fees, you're gonna lose a lot of your patient base. Like, let's just think through the ramifications. And so there's lots of different ways that we can increase productivity and not have to go for the cut. So I look at three levers that I found that can increase a practice. So one is we can increase our production. We're talking net production, not gross, like please feed your family, not your ego. So that's number one.   Number two is what's your collection percentage? Cause half the time doctors feel like they're broke and they don't have money, but your money's sitting in AR, which is your aging reports or your accounts receivable. We're not collecting the money and we don't have a good billing process. We got to get our collections up to 98%. And then the third thing is like we cut costs. And so looking at that, a lot of people want to go to just cut costs. I'm like, but in dentistry, let's break it down. If I want to add 10 grand more to my practice.   I love to help teams. Most offices are working four days a week. So if we're wanting to add 10 grand to a practice, working four days a week, let's do 10,000 and we're working 16 days a month. That's an extra six twenty-five a day. Well, how can we make six twenty-five in a dental practice? Let's think about our fluoride applications. Let's think about FMXs. Like I'm just talking, this is your lowest hanging fruit for you. Let's talk about could we add one or two fillings? Could we add like same-day dentistry, which is going to make more raving fans for our patients? There is so much ease in there.   Now, to increase our production, we can also look at our case acceptance. Doctors have so much case acceptance. And also, what are we diagnosing? I'm like, doctors, if you want to be producing 100 grand a month, the statistics are you need to be diagnosing three times that amount. And then we need to make sure our treatment coordinators are really good at diagnosing explaining treatment to them. They're not diagnosing, but they're explaining the treatment. They're presenting it in a way. We're not using insurance as our main driver. We're using it as like a coupon. And then we're really good at our follow through and our follow up.   Gotta have a right person, right seat in your treatment coordinator seat that's obsessive with hitting the right goals. And so there's like so many little ways. Like you can in I have added block scheduling, which I know is like a consultant's number one favorite thing to talk about, but like make it really make sense and easy for your team. I've added a million to a practice with no extra days, no extra work. We literally are just being more strategic with how we schedule. And so there's just so many little ways that I want dentists to realize like,   To me, I get really excited. This is where I geek out as a consultant. I geek out and I love to help that is because I'm like, how can I like squeeze more juice from the lemon you're already in? Like, let's just make more lemonade. Let's figure out ways to do it. And then let's make sure our costs are effective. So we teach your teams how to look at the business as a business. We teach each team member about their one KPI that's really going to drive it forward. We help them track. I just did this with an office manager this week and she's so lit up to look at her numbers, to look at her metrics, to see how she can do it.   And when they start to see how they can click it through, it's not you trying to push and drive more money. Like doctors, I tell everybody, every team member, you want your doctor to be so freaking profitable. Because if they're profitable and they're like they're secure, your life is so much better. So like I'm like dentists, we got to get you profitable, we to get the cash flow, we got to get you less stressed because you're gonna be a better dentist and a better business owner. But how are there's so many little easy ways where it's just low-hanging   Typically I'm able to add 10 to 30% of production in usually 90 days to an office, like very consistently with just small little reps, no real extra work. How are we doing our exams? Are we being directive in our treatment planning? Are we using like, okay, next visit I want to see you for this? And when do I want to see you back? And how much time is this going to take? Like, let's break down the barriers of treatment planning. There's so many little simple things that if you just implement, you can be very profitable very easily.   And then look at your P L. If you're not looking at your P and L every single week or month, like just being aware, getting into the language of business, that's also gonna help you too. So yes, cut. ⁓ but I found that it's always a lot easier to make sure our collections match, our production matches, and we use those little low hanging fruits. ⁓ and it's there. Like dentistry is such a magical, like, like it's a great lemon tree. You can make a lot of lemonade out of a dental practice. I want you to tell me if I'm right or wrong or or   I think I think there's two threes to double your price. Number one, if three people call your front desk, one is going to come in because they're smart and they need to they know they need to get their teeth clean. One isn't gonna come in for anything and you can hear them vaping and smoking and drinking beer and eating Cheetos on the call. But one out of three needs a little extra push. And if you train the person answering the phone, they can close that one out of three. And if they do, they doubled your practice. Then when they get in, you still got the now you got three people in chair.   One's gonna do what you say because you're a doctor and they've done their their author search and and you say they got a cavity, they're not gonna argue with you. One's not gonna do anything. In fact, in fact in fact I was like I had about a dozen patients that in the middle of my treatment plan, they asked me if they could just take a cigarette break ⁓ from my presentation and they went outside, had a cigarette, came back. They're gonna do it. But the other one in three needs some some closing skills. And so if you if you can close on the phone   You doubled your practice. You you got two butts in instead of instead of one. And if you fix your treatment plan presentation, you're gonna do two cases at one. And I think it's so funny now because the dentists have never let their hygienist or assistant, let alone receptionist, do any diagnosing treatment plan. But now AI, Pearl, and Overjet diagnosing all the cavities. So you wouldn't let your hygienist while she's in there for an hour.   Diagnose and treatment plan and sell the dentistry, the assistant while they're taking FMX, they they can't point out, yeah, see, that's a cavity, you don't need a filling and a root now. yeah, they couldn't do it because they were humans. But now Pearl and Overjeck can do it all day long and you're good with that. I mean, so so what how do you how do you double the close rate from one out of three to two out of three on the phone? How do you double the treatment plan acceptance rate from one to two out of three? Yeah. Do you do you agree those are possible goals?   Absolutely, Howard. I think again, this is the low hanging fruit that people are like, but that feels so hard. And I'm like, choose your hard. Like, is it harder to spend a little time with a front office and train them how to do this? Is it a little like, or is it harder to be cash flow negative? Like you choose what's your hard to me? Absolutely. Let's go after that. And I agree with you. Like teaching a team to preheat an oven, I call it what would doctor do. And so like, let's train our hygienist.   Like I tell all hygienists, doctor should be the second opinion, not the first opinion. And you got Pearl and you got Overjet. And so just spending a little bit of time with your team. So what we typically do for case acceptance, like let's go hit that one quick and then we'll talk about scheduling. Is I'm really big on let's get the whole team where we're talking the same language. So we recommend, like, what would doctor do? I recommend you run this over the course of six weeks, is typically how long it takes, anywhere from six weeks to maybe three months.   but we're gonna sit there and we're literally going to go through. We're gonna pull up an FMX. We're gonna do it one day over lunch. Hygienists, doctors, and if you want front office and dental assistance, rock on. But really, I want my like people that are seeing the bulk of my patients with doctor and hygiene. We're gonna look there and I want all of our hygienists to start like if we have an FMX up there and the interaurals, what is doctor going to recommend and how is doctor gonna talk about it? We're not just gonna sit here and have a nice little chit-chat. We're each gonna write it down because I wanna make sure every hygienist starts to get very, very comfortable. And the goal that I tell all hygienists is   Your goal should be at the end of this, what would doctor do training over six weeks? And if doctors are really consistent with it, I'm like six weeks of training to be able to double your practice and increase your case acceptance to me is a very good use of my time. So if I can do that, doctors and hygienists, you should be able to have 95% accuracy with your doctors at the end of this. And they do it. So hygienists get really lit up and they get very excited about it because now they're able to preheat the oven. They're able to talk to patients about it, use Pearl, use Overjet.   And then doctors, when they tee it up to you, and I say like hygienist, you've got to be the ones who first like introduce it, talk about it with the doctor as soon as they come in, but be real quick. So we introduce the patient, we compliment the patient on something, we recap the treatment that's discussed and we say something personal. Hygienist, you do that, your doctor exams will be much shorter for you and doctors will love it because it's very quick. If we can get that dialed in, and then doctors, you have a very like confirm the treatment.   then recommend exactly what needs to happen. And then we take that same baton up to the front office and front office, we schedule first. We then present the treatment. We use insurance secondary. I'm never leading with insurance. You do these little items which seem like, ⁓ no, that's like very quick, easy things. You're going to rapidly be able to help those ones. And then I do a two two two follow-up. So if they did not close for me and I'm going to go through it and I'm going to work through and I'm going to track all the people that didn't say yes to me and all the people that did say yes to me.   I'm gonna look for patterns. What are people saying yes? Like those are easy ones. Those are the gimme's. Those are the easy patients that Howard said. I'm looking for the people that say no and what's my pattern in there? And how do I change my verbiage? Because treatment planning is 80% psychology, 20% skill. So like what are you thinking? How are we presenting it? What are the words we're saying? One or two little changes usually will close that. What are the patterns and how can I get that number up higher? And I follow up with them in two days, two weeks, two months to make sure that they don't follow off.   People are like, Kiera, you really make your treatment coordinator do that? And like, yeah, I was your treatment coordinator that closed $50,000 same day. And this is exactly what I did. This is how I've trained co offices across the nation to do it. You just have these simple little things that help them out. And then you flip over to our scheduling. Like, I think scheduling's easy, Howard. I genuinely do. I'm like, half of it is just be nice. Like you got the COVID crank, and so many people are so grumpy and so like.   Annoyed when they pick up the phone, then I'm like, you can already leap your ahead by just being nice and being excited to welcome a patient. Then take like charge of that conversation. So let's take the ownership of that conversation. If someone's Do you take my insurance? I'm going to quickly redirect and say, my gosh, how did you hear about us? I'm going to answer that, but I want to find out how did they hear about us? If it's our Google reviews, if it's a referral, if it's somewhere else, I want to like say, my gosh, you're so lucky to be here.   We love our patients. We love our reviews. I can't wait for you to be a great raving fan too. let's talk about this. I can everything can be overcome. Please do not let being out of network stop people. It's a thousand dollar coupon and we're turning people away over that. No, no, no. We are better than that. And if we are the best dentist, they need to be coming to us. We need to win these patients over, make them feel so loved. Let's get them scheduled. Let's make this a great experience for them. Let's make them feel so excited. I did it with PT called like six offices.   And the office I chose, like so many people were annoyed I was calling. Can I put you on hold? Can I do this? And I was like, no one really wants my business. If you're just nice and you take control of that conversation, you can easily turn and transform your practice. So hopefully that was like not too much. I like I love these things. I love training treatment planning. I love training how to like take control of a phone call. I love helping teams overcome those little simple objections because it's very, very simple things.   that make massive leaps and bounds of change. And it's a great way to double your practice very easily, like you said.   The Dental A Team (36:13) All right, Dental A Team listeners, that was the guest interview that I absolutely loved. And I hope that if there was one idea that stood out to you, don't just agree with it, but actually go implement it this week. And if you need help setting this up in your practice or you need help just navigating or need a friend, head on over to TheDentalATeam.com and I'll be able to help you guys out. Click on the book of call or any way that we can support and serve you. That's what we're here for. That's what we're obsessed with. And as always, thanks for listening and I'll catch you next time on the Dental A Team podcast.

Two previous guest gamemasters return to the show to play the final escape room of the season!   Buy Eloise's new book (featuring characters familiar to an ETP listener!): https://eloisecorvo.com/  Watch Jen solve puzzles: https://www.youtube.com/@JenMcTeague    Check out the images and write up for this Escape Room below to follow along, or play yourself! https://www.consumethismedia.com/banks/#pt3    For everything Escape This Podcast, head to https://www.consumethismedia.com/escape-this-podcast   Purchase access to our standalone bonus series here: https://www.consumethismedia.com/bonus-series  Or you can support the show on Patreon for blog posts, bonus audio, videos, trivia, and the chance to appear as a character in one of Dani's rooms. To hang out with us and other fans, join our discord here: https://discord.gg/AH9MZqM  Check out our second podcast, Solve This Murder! Website || iTunes || RSS Have questions, comments, puzzles, or anything else? Send us an email! (escapethispod@gmail.com)

What is financial censorship? Rainey Reitman joins the show to discuss what happens when people are denied access to financial services because of their lawful speech and conduct. Reitman is the author of Transaction Denied: Big Finance's Power to Punish Speech, which examines the role financial companies like Visa, Chase, and PayPal play in policing speech and silencing speakers.   Timestamps: 00:00 Intro 02:29 Ben Reitman: Rainey's great-grandfather and free speech activist 05:42 How Rainey joined the fight for internet freedom 08:19 Chelsea Manning, whistleblowers, and the WikiLeaks banking blockade 16:11 The National Committee for Religious Freedom's fight with Chase Bank 19:10 NRA v. Vullo: The Supreme Court case on indirect government censorship 21:24 The Wolfsberg Group and global banking institutions 23:51 What is a "politically exposed person"? 25:52 Reputational risk management 27:40 Trump's 2025 executive order on debanking 29:45 Sanctions, terrorism screening, and the impact on Muslim communities 33:04 Why banks are so afraid of sanctions violations 34:10 Can you fight back after being debanked? 35:32 Can the private sector censor? 37:50 Operation Choke Point, cannabis, and crypto 47:25 Why are banks policing porn and adult content? 54:11 Solutions to debanking: incentives, crypto, and cash 59:15 Outro   Enjoy listening to the podcast? Donate to FIRE today and get exclusive content like member webinars, special episodes, and more. If you became a FIRE Member through a donation to FIRE at fire.org and would like access to Substack's paid subscriber podcast feed, please email sotospeak@fire.org.

Banks have fought a comprehensive effort to ensure stablecoins cannot offer yield. But the Senate Banking Committee passed a bill that the banking industry still says falls short. Does that mean banks have lost the fight? Will a crypto market structure bill pass this year? Brendan Pedersen of Punchbowl News offers insights into the current and future state of play.

Dusty Lloyd, a seasoned housing finance expert, shares insights on innovative lending options like DSCR loans, the evolving landscape of real estate financing, and strategies for investors and professionals to succeed in a competitive market.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Hello, Puzzlers! Today: A.J. & Greg present puzzling puzzles to each other.Join host A.J. Jacobs and his guests as they puzzle–and laugh–their way through new spins on old favorites, like anagrams and palindromes, as well as quirky originals.Subscribe to Hello, Puzzlers! wherever you get your podcasts! And come join our growing puzzle community over on Patreon, where you can find bonus episodes and other exclusive content!Our executive producers are Neely Lohmann and Adam Neuhaus of Neuhaus Ideas.The show is produced by Claire Bidigare-Curtis.Our Chief Puzzle Officer is Greg Pliska. Our associate producer is Andrea Schoenberg.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Allen Banks was playing Division I basketball, then opportunity struck that changed his life forever. 

The episode “AI Integration Into Compliance” explains how artificial intelligence is already becoming a practical tool for bank compliance teams as regulatory expectations rise, data volumes grow, and manual compliance processes become harder to sustain. Dean highlights three major areas where AI is creating value: transaction monitoring and AML, where machine learning can reduce false positives and detect suspicious activity more effectively; regulatory change management, where AI can scan updates and map them to internal policies and controls; and risk assessments/reporting, where AI can aggregate data to give management and boards clearer insights. However, the episode emphasizes that AI is not a plug-and-play replacement for compliance professionals. Banks must maintain strong governance, transparency, explainability, data controls, model validation, documentation, human oversight, and clear escalation paths. The key message is that AI should support compliance judgment—not replace it—and institutions should start with low-risk, high-pain use cases, clean and govern their data, collaborate across departments, and be ready to explain their AI tools to regulators. Brought to you by GeoDataVision and M&M Consulting

Jake Brukman breaks down why a swarm of decentralized agents beat Google's quantum circuit research in a week, why decentralized training on consumer hardware is now provably cheaper than data centers, and why winning just 10% of AI training automatically locks in revenue from a $1 trillion inference market. He published this thesis in September 2022, before ChatGPT existed.Jake Brukman is Founder and CEO of CoinFund, an 11-year digital assets and decentralized AI investment firm.The Rollup is where the leaders of digital assets and finance converge. Live from the financial capital of the world.Timestamps00:00 AI Meets Decentralization Thesis02:44 Thesis Before ChatGPT Existed03:44 Consumer Devices Train Models04:29 100B Parameters Consumer Hardware06:45 Rise Of Authentic Swarms09:15 Swarms Outpaced Google Fast12:53 Inference Drives All Revenue13:13 $1T Inference Market 203114:53 Crypto Subsidizes AI Inference17:02 Win Training Win Inference20:47 Decentralized Training Now Cheaper22:49 Kirkland $500M Own Model28:39 Harnesses Collect Trace Data31:24 Co-Own Model Donate Traces33:10 Different From Past Web340:11 2.4B Monthly AI UsersGuest Socials:Jake Brukhman X: https://x.com/jbrukhCoinFund X: https://x.com/coinfundCoinFund Website: https://www.coinfund.io/Partners:Better than Banks. Transparent capital efficiency earning the highest yields in DeFi. Learn more here: https://infinifi.xyz/---Dinari - Over 230 1:1 backed tokenized stocks, ETFs & more with dividends. US-based SEC transfer agent. Available on 5+ chains & via API. https://dinari.com/---Relay is the fastest and most reliable way to swap any token on any chain. Learn more here: https://relay.link/bridge---Zama is an open source cryptography company that builds state-of-the-art Fully Homomorphic Encryption (FHE) solutions for blockchain.Learn more here: https://www.zama.org/---Trezor is the creator of the first-ever hardware wallet. Securing crypto for 2M+ users worldwide. 100% open source. Learn more here: https://affil.trezor.io/aff_c?offer_id=133&aff_id=36664---

Steve Plunk was the OCC examiner at the center of the Penn Square Bank collapse, one of the most consequential bank failures in American history. He sits down with Travillian's Amber Buker to revisit the oil-fueled bank that fooled the biggest names in banking, the one line on the balance sheet that brought it down, and where that same blind spot is hiding in banks today. A special conversation from the collaboration series between Travillian Next and Maxfield on Banks.

Today on CarEdge Live, Ray and Zach discuss the latest on what is happening in the auto finance world. Tune in to learn more! Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Al & Val strap on their glass Doc Martins and go down the rabbit hole for this time travel-y installment of the Descendents-verse.Also, don't miss us IN PERSON with Stu Krieger at iO Theater on June 17th, 2026. Get your Tickets Descendents: Rise of Red (July 12, 2024) IMDB WikipediaDirected by Jennifer Phang (tv credits - Rise of Red TV show)Written by Josann McGibbon & Sara Parriott (Runaway Bride, Descendents 1-5) & Dan Frey (Rise of Red TV show)Starring: Kylie Cantrall as Red (Gabby Duran & The Unsittables, music videos, HSMTMTS, Rise of Red show)Malia Baker as Chloe Charming (Babysitters Club, Rise of Red show)China Anne McClain as Uma (A.N.T. Farm, How to Build a Better Boy, Descendants-verse, Black Lightening, House of Payne)Dara Reneé as Uliana (Freaky Friday, HSMTMTS, Rise of Red show)Rita Ora as the Queen of Hearts of Wonderland (music videos, Fifty Shades of Grey, Southpaw, Kung Fu Panda: The Dragon Knight, Rise of Red show) Ruby Rose Turner as Bridget, the young Queen of Hearts (Coop and Cami Ask the World, Eden, Rise of Red show)Brandy as Cinderella (music videos, Cinderella, Moesha, The Game, Star, Rise of Red show, The Front Room, I Know What You Did Last Summer)Morgan Dudley as Ella, the young Cinderella (The Prom, Rise of Red show)Joshua Colley as the young Hook (Peter Rabbit, Dead Boy Detectives, Rise of Red show, Moonburn)Peder Lindell as Morgie (Rise of Red show, Hidden Falls)Paolo Montalban as King Charming (Cinderella, Mortal Combat: Conquest, Rise of Red show)Tristan Padil as young Prince Charming (Rise of Red show)Melanie Paxson as Fairy Godmother (Happy Family, Notes from the Underbelly, Saving Mr. Banks, Descendants 1-5)Grace Narducci as Fay, the young Fairy Godmother (character actor - Rise of Red show)Levin Valayil as Aladdin (Rise of Red show)Kabir Bery as young Aladdin (Rise of Red show)Shazia Pascal as Jasmine (music videos, Rise of Red show, Get Him Back for Christmas)Aiza Azaar as young Jasmine (Rise of Red show)Jeremy Swift as Merlin (The Smoking Room, Downton Abbey, Ted Lasso, Rise of Red show)Leonardo Nam as Maddox Hatter (Sisterhood of the Traveling Pants, FATF: Tokyo Drift, Westworld, Maggie, Rise of Red show)Mars as young Maleficent (Rise of Red show)Anthony Pyatt as young Hades (Rise of Red show)Julee Cerda as Evil Stepmother (character actor, Blindspot, Mighty Ducks: Game Changers, Rise of Red show)Synopsis: After the Queen of Hearts incites a coup on Auradon, her rebellious daughter Red and Cinderella's perfectionist daughter Chloe join forces and travel back in time to try to undo the traumatic event that set Red's mother down her villainous path.Fun Facts: Brandy and Paolo Montalban reprised their roles from 1997's CinderellaNext Movie: Zombies 4: Rise of the VampiresCreators & Guests Allie Ring - Host Val Agnew - Host ★ Support this podcast on Patreon ★

MHC CFO Aaron Stenhaug joins host Paul McMeekin to share how finance leaders can stay disciplined in uncertain markets while still investing in modernization. They discuss practical ROI tests for AI and automation, embedding fraud controls into payments workflows, and why treating payments as a strategic capability can improve cash flow, risk management, and working capital.#CFO #Payments #AIinFinance #RiskManagement #FinanceTransformation

To listen to the full four-part series instantly, subscribe to our Patreon where listeners can enjoy ad-free listening, our World Cup Wednesdays, bonus editions and live Q&A episodes.Rob Draper and Jonathan Wilson begin a four-part series revisiting England's 1966 World Cup win by focusing on Sir Alf Ramsey's background and the conservative England setup he inherited, including the FA selection committee and a poor early World Cup record. They argue Ramsey, often caricatured as dour, was socially conservative and xenophobic but tactically radical, demanding control of selection and modernizing England with a system-focused approach influenced by his Ipswich success, zonal marking, and experiments that questioned traditional wingers. They discuss his reserved personality, class and heritage issues, a reported instance of backing a player convicted of gross indecency, and why blaming 1966 for later English insularity is misguided. Ramsey's early England results are mixed, but a 1964 Brazil trip helps crystallize his shift away from 4-2-4, and by April 1965 the emerging core includes Banks, Moore, Jack Charlton, and Nobby Stiles.00:00 Meet Alf Ramsey01:49 Ipswich Miracle Title03:28 Ending Selection Committees05:20 England World Cup Woes06:50 Dour Yet Radical09:23 Xenophobia And Origins14:14 Was 1966 A Curse17:28 Ramsey Playing Roots20:36 Ipswich Tactical Experiments24:38 Brutalism And Football27:27 Brutalism Meets Football31:21 Ramsey Blueprint Emerges33:02 First Camp Shock Therapy36:43 Early Results and Doubts40:05 Brazil Trip Reality Check40:43 Curfew Crackdown46:16 Tactics Shift and New Spine47:51 Jack Charlton and Stiles Debut53:19 Foundations of 1966 Hosted on Acast. See acast.com/privacy for more information.

Awesome show on tap! We dive into the discussion of is fishing the bank or sneaaking off a bit deeper to find bigs more productive? We also discuss a recent story of a 70 year old Massachusetts man that found himself with an ATTEMPTED MURDER CHARGE after the Holiday Weekend or potential trespassing!!! Link for Identifier Tin Tag mentioned in show! Just Select JBP as the club and the image will update, don't forget to add your name or social handle too!For Ketch: https://www.bluefoxgifts.com/blue-fox-tin-tag-aluminum-kayak-tournament-identifier/For YakAttack: https://www.bluefoxgifts.com/blue-fox-tin-tag-lb-fits-the-leader-board-aluminum-kayak-tournament-identifier/ Online

It sounds like something out of a science fiction film, but Anthropic's “Mythos” AI model is very much real, and powerful enough that the company is withholding its public release out of fear it could trigger large-scale, automated cyberattacks. Morgan Wright, CEO and founder of the National Center for Open and Unsolved Cases, and former security advisor for SentinelOne joins The Rundown to pull back the curtain on frontier AI, explaining the true threat these models pose, and how they can be regulated without hindering innovation. Later, FOX News contributor and Former Delta Force Intelligence Analyst Brett Velicovich joins the show to unpack the emerging threats of drone warfare and how the U.S. can defend against them.  PHOTO CREDIT: ASSOCIATED PRESS Learn more about your ad choices. Visit podcastchoices.com/adchoices

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