Podcasts about Captives

Play Episode Listen Later Feb 22, 2026 66:49

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Exodus 20:14 | Exodus: Setting Captives Free

Play Episode Listen Later Feb 16, 2026 38:41

Exodus: Setting Captives Free In our sin, in His wisdom, God Makes a Way Sermon recorded February 15th, 2026 Caleb Click Lead Pastor Oak Mountain Presbyterian Church Birmingham, AL

From Brokenness to Breakthrough; Luke 13 and Luke 7

Play Episode Listen Later Feb 15, 2026 61:04

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Why Middle Market Producers Can No Longer Ignore Captives with Warren Cleveland

Power Producers Podcast

Play Episode Listen Later Feb 11, 2026 45:19

In this episode of Power Producers Podcast, David Carothers is joined by Warren Cleveland from Captive Coalition for a wide ranging conversation on specialization, creativity, and why producers must narrow their focus to survive in the middle market. Building off recent discussions around parametrics and alternative risk strategies, they explain how captives, benefits captives, and disciplined education can prevent producers from losing high value clients. The episode centers on asking better questions, using the right partners, and positioning captives as a long term strategic tool rather than a last minute reaction. Key points: Why Specialization Beats Generalization David and Warren both stress that producers trying to write everything will struggle. They recommend limiting focus to three core classes of business and closely related peripheral industries. Deep operational knowledge creates credibility, sharper discovery, and better risk solutions that generalists simply cannot match. Creativity Comes From Asking Better Questions The conversation ties parametrics and captives together through one core idea. Partners can build solutions around clients, but only if producers identify the right risks. That requires curiosity, comfort with asking questions, and a willingness to look beyond traditional coverage conversations. Phone a Friend Instead of Losing the Account Warren emphasizes that producers do not need to be captive experts to win. They need to know when to call for help. He shares real examples of agents saving accounts by reaching out early, using talking points, and letting specialists support client conversations before competitors step in. Captives Reward Performance in a True Meritocracy David frames captives as one of the purest merit based systems in insurance. Well performing accounts can retain underwriting profit instead of giving it away. He argues there is no excuse for missing captive conversations when clients consistently complain about paying premiums without seeing returns. Benefits Captives Are the Next Frontier Warren outlines why benefits captives paired with self funding can outperform traditional approaches. With better data, wellness programs, and accountability, employers can finally align incentives and participate in underwriting profit rather than subsidizing poor performers. Education Is the Real Differentiator Captive Coalition positions education as the core offering. From webinars to one on one coaching and ready to use client materials, the goal is to make producers comfortable having the conversation. Warren stresses that missing these discussions often comes from fear and lack of knowledge, not lack of opportunity. Captives as a Long Term Retention Strategy Instead of selling captives reactively, both speakers encourage preparing clients years in advance. Building a three to five year roadmap keeps clients engaged, reduces churn, and eliminates surprise competition. Once clients buy into a long term plan, price driven defections become far less likely. Using Tools You Already Have David closes by reminding producers that captives are simply another tool. Losing accounts because a tool was never used is more frustrating than losing on price. The message is clear. Learn the tools, use the partners available, and stop leaving opportunities on the table. Connect with: David Carothers LinkedIn Warren Cleveland LinkedIn Kyle Houck LinkedIn Visit Websites: Power Producer Base Camp Captive Coalition Killing Commercial Crushing Content Power Producers Podcast Policytee The Dirty 130 The Extra 2 Minutes

education building deep losing phone cleveland partners longer producers captives middle market david carothers power producers podcast

Exodus 20:13 | Exodus: Setting Captives Free

Play Episode Listen Later Feb 10, 2026 36:46

Exodus: Setting Captives Free In our sin, in His wisdom, God Makes a Way Sermon recorded February 8th, 2026 Caleb Click Lead Pastor Oak Mountain Presbyterian Church Birmingham, AL

Supernatural Procreation; Genesis 6:1-7

Biblical Restoration Ministries Video

Play Episode Listen Later Feb 8, 2026 73:45

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Setting Captives Free - Ernest Rockstad

Play Episode Listen Later Feb 3, 2026 44:08

The sermon centers on the essential foundation of Christian service: living in union with Christ and operating from the victory He has already won over Satan. It emphasizes three key principles—relying on the finished work of Christ, the believer's union with Him, and the present indwelling of the Holy Spirit—as the unshakable basis for spiritual warfare and ministry. From this foundation, believers are called to wield powerful spiritual weapons: the Word of God, prayer, praise, and the authority granted through Christ's name. The message also highlights the necessity of cultivating spiritual graces such as a listening ear and an understanding heart, which enable genuine compassion and effective ministry, especially in confronting demonic oppression. Ultimately, the sermon calls every believer to extend Christ's ministry by embodying His life, authority, and love in practical, courageous, and grace-filled service.

god jesus christ holy spirit satan captives

Setting Captives Free - Ernest Rockstad

Biblical Restoration Ministries

Play Episode Listen Later Feb 3, 2026 44:08

The sermon centers on the essential foundation of Christian service: living in union with Christ and operating from the victory He has already won over Satan. It emphasizes three key principles—relying on the finished work of Christ, the believer's union with Him, and the present indwelling of the Holy Spirit—as the unshakable basis for spiritual warfare and ministry. From this foundation, believers are called to wield powerful spiritual weapons: the Word of God, prayer, praise, and the authority granted through Christ's name. The message also highlights the necessity of cultivating spiritual graces such as a listening ear and an understanding heart, which enable genuine compassion and effective ministry, especially in confronting demonic oppression. Ultimately, the sermon calls every believer to extend Christ's ministry by embodying His life, authority, and love in practical, courageous, and grace-filled service.

god jesus christ holy spirit satan captives

Exodus 20:12 | Exodus: Setting Captives Free

Play Episode Listen Later Feb 2, 2026 39:13

Exodus: Setting Captives Free In our sin, in His wisdom, God Makes a Way Sermon recorded February 1st, 2026 Caleb Click Lead Pastor Oak Mountain Presbyterian Church Birmingham, AL

A Different Perspective with Berni Dymet

Set The Captives Free

Real Church Clearwater

Play Episode Listen Later Feb 2, 2026 59:57

Listen in as Pastor Robbie Huffman delivers a powerful message about Jesus' authority to break chains, restore hope, and bring true freedom to those bound in every way. www.realchurch.us

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Release for the Captives - 3 February 2026

Play Episode Listen Later Feb 2, 2026 10:16

It must be an amazing feeling for a prisoner to be set free ?' after years of incarceration. I wonder when they step out of the prison ?' what that freedom looks like, tastes like, smells like. Join Berni Dymet ?' as he explores freedom from a different perspective. Support the show: https://christianityworks.com/channels/adp/See omnystudio.com/listener for privacy information.

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The Battle of Two Kingdoms; Acts 26:15-18; Isaiah 42:5-8

Historiansplaining: A historian tells you why everything you know is wrong

Play Episode Listen Later Feb 1, 2026 69:20

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New Mexico: From Prehistory to the Pueblo Revolt

Play Episode Listen Later Jan 31, 2026 95:22

We examine the origins of the first European colony in America north of Florida – New Mexico – from the rise of the Pueblo civilization, which mastered irrigation and “made the desert bloom,” building monumental complexes in arid plains and rocky canyons, through the repeated Spanish incursions in search of seven cities of gold and the construction of a tenuous European colony riven by struggles between church and state, and finally to the eruption of the largest and most coordinated Native uprising in colonial history, which expelled Europeans from New Mexico and ushered in a temporary restoration of the ancient Puebloan world. Image: Mission church of S. Esteban del Rey, 1629, at Acoma Pueblo Suggested further reading: Sanchez, Spude, & Gomez, “New Mexico: A History”; Gutierrez, “When Jesus Came, the Corn Mothers Went Away”; Brooks, “Captives and Cousins: Slavery, Kinship, and Community in the Southwest Borderlands”; Rodriguez, “Review: Subaltern Historiography on the Rio Grande,” American Ethnologist vol. 21, No. 4 (Nov., 1994) My earlier lecture series on the history of Florida (first European colony north of the Rio Grande), “Fortresses on Sand: The History of Florida”: https://soundcloud.com/historiansplaining/sets/fortresses-on-sand-the-history Please sign on as a patron at any level to hear the patron-only lectures, including my most recent on Central Africa: https://www.patreon.com/c/u5530632

america community european spanish new mexico native rodriguez sanchez gomez revolts pueblo rio grande gutierrez captives kinship central africa prehistory fortresses pueblo revolt puebloan american ethnologist

Setting Captives Free

Biblical Restoration Ministries

Play Episode Listen Later Jan 30, 2026 44:09

The sermon centers on the essential foundation of Christian service: living in union with Christ and operating from the victory He has already won over Satan. It emphasizes three key principles—relying on the finished work of Christ, the believer's union with Him, and the present indwelling of the Holy Spirit—as the unshakable basis for spiritual warfare and ministry. From this foundation, believers are called to wield powerful spiritual weapons: the Word of God, prayer, praise, and the authority granted through Christ's name. The message also highlights the necessity of cultivating spiritual graces such as a listening ear and an understanding heart, which enable genuine compassion and effective ministry, especially in confronting demonic oppression. Ultimately, the sermon calls every believer to extend Christ's ministry by embodying His life, authority, and love in practical, courageous, and grace-filled service.

god jesus christ holy spirit satan captives

Jan 28, 2026. Gospel: Luke 12:32-34. St Peter Nolasco, Confessor

Traditional Latin Mass Gospel Readings

Play Episode Listen Later Jan 28, 2026 1:19

32 Fear not, little flock, for it hath pleased your Father to give you a kingdom.Nolite timere pusillus grex, quia complacuit Patri vestro dare vobis regnum. 33 Sell what you possess and give alms. Make to yourselves bags which grow not old, a treasure in heaven which faileth not: where no thief approacheth, nor moth corrupteth.Vendite quae possidetis, et date eleemosynam. Facite vobis sacculos, qui non veterascunt, thesaurum non deficientem in caelis : quo fur non appropriat, neque tinea corrumpit. 34 For where your treasure is, there will your heart be also.Ubi enim thesaurus vester est, ibi et cor vestrum erit.St Peter, instructed by the Blessed Virgin, founded the Order of Our Lady of Mercy for the Redemption of Captives. When all funds for the work were exhausted, the religious were bound by their rule to take the places of the prisoners with the infidels. St Peter died A.D. 1256.

father redemption luke 12 our lady ubi st peter captives patri confessor gospel luke vendite blessed virgin nolasco nolite

Exodus 20:8-11 | Exodus: Setting Captives Free

Play Episode Listen Later Jan 26, 2026 31:38

Exodus: Setting Captives Free In our sin, in His wisdom, God Makes a Way Sermon recorded January 25th, 2026 Tom Patton Missions Pastor Oak Mountain Presbyterian Church Birmingham, AL

Earthly Eviction; Genesis 3

Jewish History in Daf Yomi

Play Episode Listen Later Jan 25, 2026 77:29

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Legend of the Four Captives Menachos 8

Play Episode Listen Later Jan 19, 2026

history jewish captives yomi abramson

Heavenly Eviction; Genesis 1-3; Luke 10:18-20

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Play Episode Listen Later Jan 18, 2026 87:06

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Four Armenian Captives Held in Baku Released

EVN Report Podcast

Play Episode Listen Later Jan 16, 2026 37:10

In EVN Report's news roundup for the week of January 16: Azerbaijan releases four Armenian captives held in Baku; Armenia and the United States agree on implementation framework for TRIPP; two Armenians confirmed dead amid ongoing protests in Iran and more.

Tuesday #7 The Fall of Sinwar as Hope for Captives

Living on a Prayer from this Parsha with Rabbi Shalom Baum

Play Episode Listen Later Jan 13, 2026 20:10

5786 SeasonTuesday's Topic:מִתְּהִלִּים לִתְפִלָּה Halacha and Hashkafa on Resuming — and Reenergizing — Pre-10/7 Davening

captives resuming davening

Captives As A Rainy-Day Fund For Climate Losses with Deyna Feng

RIMScast

Play Episode Listen Later Jan 13, 2026 40:45

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society. In this episode, Justin interviews Deyna Feng, Director of Captive Programs at Cummins, about her role at the company. They discuss the reality of climate change risks and how Cummins uses captives to address them in the short- and long-term in the U.S. and 36 countries globally. They talk about the various facets of the company, from property to supply chain, to business continuity, to human resources, at risk from climate events. They discuss the variety of regulatory sustainability reporting requirements around the globe. Listen for steps to take to use captives for your climate risk planning and strategy. Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. Our topic today is the interconnection between captives and climate risk. To help me delve deeper into this connection, I've asked Deyna Feng of Cummins to rejoin us. It will be great to catch up with her! [:49] You're going to walk away from this episode with a lot of great ideas for your captive programs. But first… [:55] RIMS-CRMP and Some Prep Courses. The next virtual prep course will be held on March 110th and 11th and again on April 21st and 22nd. Links to these courses can be found through the Certification page of RIMS.org and through this episode's show notes. [1:12] RIMS Virtual Workshops are coming up. On January 21st and 22nd, Chris Hansen returns to deliver the course, "Managing Worker Compensation, Employer's Liability and Employment Practices in the US". [1:26] On February 4th and 5th, Ken Baker will return to deliver the course, "Applying and Integrating ERM". [1:36] The full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's notes. [1:47] RIMS members always enjoy deep discounts on the virtual workshops. [1:57] The RIMS-CRO Certificate Program in Advanced Enterprise Risk Management is hosted by the famous James Lam. This is a live virtual program that helps elevate your expertise and career in ERM. [2:10] You can enroll now for the next cohort, which will be held over 12 weeks from April 14th through June 23rd. Links to registration and enrollment are in this episode's show notes. [2:24] On with the show! Deyna Feng is rejoining us for the first time since 2021. She is the Director of Captive Programs at Cummins. [2:38] Cummins designs, manufactures, distributes, and services a broad range of power solutions, from traditional diesel and natural gas engines to advanced electric, hybrid, and hydrogen fuel cell technologies. [2:50] Deyna is here to discuss how climate change has had a huge influence on how she manages captives for Cummins. We're also going to speak a little more broadly about the ways you might think about climate risk as you launch or alter your captive program. Let's get to it… [3:06] Interview! Deyna Feng, welcome back to RIMScast! [3:21] Deyna Feng has been working for Cummins for the past 15 years. She was always with the risk insurance team and, since 2015, she's managed the captive operations, the insurance programming inside it, and the whole insurance company. [3:52] Deyna started with Cummins as Regional Risk Manager for Asia Pacific. Then she joined the company to manage its captive. Deyna has been really passionate about this career path because captive is such a wonderful risk management and risk insurance tool. [4:08] Deyna says Cummins has been using its captive constantly and actively managing different types of risk and profiles. [4:34] A captive is an insurance company. Cummins's captive is a pure captive, or a single-parent captive, so it purely insures the parent company's risks and business. [4:44] The benefit of a captive insurance company is that, instead of buying insurance from the commercial market, you can really tailor your insurance program within a captive. [4:55] They also provide financial benefits like tax benefits and some other things you can manage through the captive. [5:03] For the past few years, it's been hard on the insurance market on the property and the liability side. Cummins uses its captive, proactively, managing the whole program in a really unique way. Everything is tailor-made to your own program, your own risk. [5:21] If you are a good risk management account, you will receive benefits by doing such a self-insurance arrangement. [5:38] Justin recalls from reporting that in 2025, there are hundreds more captives among medium and small businesses than there were 20 years ago. Feng agrees. It's a booming market for the whole captive industry. It's growing for all captive domiciles around the world. [6:01] Deyna and Justin believe that captives are a big part of the future of risk management. [6:09] Justin reconnected with Deyna because of her unique philosophy that climate change can greatly impact a captive and, therefore, a company. [6:38] Deyna thinks everyone is feeling the effects of climate change in the current environment. They see more things happening, more frequently, with more severity; events like wildfires, floods, and hurricanes. [6:53] Deyna says, Before, it's rarely showing anywhere, or a 500-year event, then suddenly, something happens. We experience such dramatic events in different facilities globally. So, we are thinking such events can escalate super quickly and become catastrophic. [7:17] Deyna asks how we can manage such events, especially when you are dealing with a large insurance program, and it involves a big business interruption to your global company. [7:29] Deyna thinks there is a growing concern for global companies like Cummins for a few important reasons. First, frequency and severity are rising. Also, it's less predictable in certain areas, and there will be increasing exposure for large, global facilities. [8:08] Deyna speaks of supply chains. For a large manufacturing company with a global footprint, it's important to manage supply chain risk in a better way. The climate risk is changing globally, so it will impact Cummins's supply chain risk to a large extent. [8:30] Deyna says it also increased the complexity of managing claims, like a hurricane claim. Hurricane Helena is our recent example. It happened over a year ago, but it impacted multiple locations in that area and also impacted Cummins's warehouses and logistics centers. [8:50] It impacted the whole business revenue and the whole area. So, it becomes a much more complex claim to manage and handle. Even now, Cummins is still dealing with the whole impact of that Hurricane Helena flood claim. [9:11] Justin asks about polycrisis and how one event triggers others that the captive manager has to oversee and try to resolve. [9:31] Deyna says, Cummins has suppliers in that area. If those suppliers don't have good insurance coverage, then Cummins helps them out, so they can help Cummins's local business. That impacts a lot. Cummins is still dealing with a business interruption claim from that event. [10:06] Deyna says one important area for climate risk management is dealing with government regulatory requirement reporting changes, not just in the U.S, but worldwide, with international reporting. [10:25] Certain countries are more advanced in regulation development. So, for those countries, Cummins has to make sure to do a proper evaluation and prepare for those government reporting requirements. [10:44] That involves a whole set of reviews from different lenses. To manage the risk more effectively and efficiently, Cummins needs to consider a few options. One is about data. [10:59] The whole risk management and risk insurance program is data-driven, so Cummins makes sure to gather important climate risk-related data and then models it globally in CAD. This way, Cummins can anticipate future risk and business impact. [11:24] The second is the partners Cummins works with. Those are insurance, reinsurance, and brokers. They offer different types of climate risk-related data analysis. [11:38] From there, certain captives can use such data-driven arrangements and cat modelling to plan their parametric solution. That's a unique type of risk, tailor-made. [12:00] Deyna says Cummins's global insurance program has broad coverage, already covering such climate risks. That's useful for specific risks in certain areas. You have the trend, you see the need, and then you use this to pay claims quickly without complex claim procedures. [12:28] The other area Cummins has been doing is leveraging the data it receives and then utilizing the captive to do the strategic planning. That is how Cummins utilizes the captives to structure its global property liability program. [12:46] And then Cummins uses the captive as a fronting mechanism, and then puts more layers within the captive to manage large claims more flexibly. [12:58] Then the other part is using the captive to buy reinsurance to transfer certain catastrophic events or the higher risks to the reinsurance market. So it's a diversified captive strategy. [13:15] Justin asks about business continuity planning. Deyna says that to manage climate risk, business continuity planning is important. Lots of companies use it to manage traditional risks, like a flood or a fire, but it is also important to deal with future climate risk resiliency planning. [13:39] The supply chain risk is part of that, and then when you identify the high-risk area, like a heat wave, or cold stress, or water stress, how can you make sure your local businesses are well prepared to deal with those situations, especially in the long run? [14:00] Quick Break! RISKWORLD 2026 will be held from May 3rd through the 6th in Philadelphia, Pennsylvania. RISKWORLD attracts more than 10,000 risk professionals from across the globe. It's time to Connect, Cultivate, and Collaborate with them. Booth sales are open now! [14:22] General registration and speaker registration are also open right now! Marketplace and Hospitality badges will be available starting on March 3rd. Links are in this episode's show notes. [14:37] Let's Return to Our Interview with Deyna Feng! [14:45] Deyna says Cummins is based in Indiana. Deyna lives there. [14:53] Deyna says, This year, the snow hit us super early. Before, it's after Christmas time, when we start seeing snow, and January is super cold, and this year, like, early December, we're already in cold weather. [15:05] Justin says, Yeah, we're recording in mid-December right now, and we received somewhere between 6 and 12 inches of snow on Sunday, just a few days before recording this. [15:17] Justin continues, And now, today, we're gonna be hitting the 50 degree mark. So everything is finally gonna melt away, but it's also gonna wreak havoc on our senses, and people are gonna get sick, right? That just happens. Yes, I'm just venting here about climate change. [15:41] Globally, Deyna has regional risk managers, a renewal team, and a claims team, who work together as one big team of around 16 people in total. [16:07] Dena describes her role as Director of Captive Programs. The insurance company is complex. They have to deal with all the government requirements and year-end matters, program renewal, and Cummins's captive, covering the international employee benefits side. [16:20] Cummins's captive covers the medical and the non-medical program for over 36 countries. [16:29] Justin interviewed the Risk Manager of the Year for 2025, Jennifer Pack, with Hilton. In addition to her role in risk management for Hilton, she was also the captive manager, and she said that sometimes that's a one-day-a-week job, and sometimes it's a four-day-a-week job. [6:47] It really depends on various things, and climate change was one of the items that she mentioned. Justin says, It's something that our audience should be thinking about, because captive management is not going away. [17:05] Justin says, It is something that you want to have in your arsenal as a risk professional, and it can enhance your career, like it's doing for Deyna. [17:16] Justin says, We've seen how some policymakers in the U.S. try to debunk climate change, even though there's overwhelming evidence to suggest that it is a real thing, and it still ranks very highly on the World Economic Forum's list of top risks. [17:31] Justin asks, Against that backdrop, how are you swaying the decision makers at Cummins these days? You just said you were going to speak to some of your internal stakeholders, so what do you need to do to convince them? [17:45] Deyna says that the World Economic Forum emphasizes that climate change now represents massive physical and transition risks, with over $3.6 trillion in damage from disasters since 2000. So, it's a serious number. [18:10] Deyna says, Our CEO takes climate change seriously. We are trying to be the environmental sustainability advocacy lead in the industry and market. [18:23] Deyna says, Cummins has a strategy and commitment to the 2030 environment goals and 2050 targets. We are doing Destination Zero, which is helping not just our own facility, but also our customers and suppliers to navigate the energy transition and environmental goals. [18:46] Cummins's CEO is Jennifer Rumsey. Deyna says she's an awesome, wonderful CEO. [19:07] Justin says, It sounds like you have a line of communication to her. [19:11] Deyna says, We do. This is an important topic. We do annual reporting, including all the aspects relating to this Destination Zero goal. It involves so many functions within Cummins to work with these goals and targets. [10:38] The goals include decarbonization, material changes, community goals to address the site and community greenhouse gas emissions, and also, volatile organic components, water, and waste. [19:56] There are so many things that can be leveraged and developed perfectly with this approach. [20:06] A Final Break! The Spencer Educational Foundation's goal to help build a talent pipeline of risk management and insurance professionals is achieved, in part, by its collaboration with risk management and insurance educators across the U.S. and Canada. [20:25] Spencer awards undergraduate, graduate, Ph.D., and Pre-Instructor of Practice Scholarships to students enrolled at an accredited college or university in the U.S. and Canada, and physically studying in either location. No remote coursework eligibility from other locations. [20:42] Including part-time, graduate scholarships to risk management and insurance professionals continuing their education. [20:48] Since 1980, Spencer has invested more than $11.1 million in the scholarship program with awards to over 1,700 students. More than 85% of Spencer's scholarship recipients remain in the industry to this day. [21:03] They've got undergraduate scholarships, full-time Master's scholarships, part-time Master's scholarships, pre-dissertation Ph.D. candidates, doctoral candidates, and pre-instructor of practice scholarships all open now. The application deadline is January 31st, 2026. [21:25] Visit SpencerEd.org/scholarships. You'll find the different application buttons. See the link in this episode's show notes for more information. [21:37] Let's Return to the Conclusion of Our Interview with Deyna Feng! [22:00] Justin asks Deyna what makes captives uniquely suited to handle climate-driven volatility, compared to traditional insurance solutions. [22:06] Deyna says, Climate risk is quite dynamic, systematic, and also regulatory-driven. It needs continuous investment to understand your climate risk and the government reporting requirements. It's not just one-time managing the risk. [22:25] Deyna says, We look at now as the baseline, with the short-term, mid-term, and long-term, all the way to the end of the century, how the climate risk score is changing for our global facilities. Those are evolving risk scores, not just a one-time risk score. [22:51] Cummins takes a systematic and holistic approach to evaluate the climate risk, so it's not like a daily market change. [23:10] Deyna says, The other part is regulatory diversity, for the whole climate risk aspect, how you manage the risk, matching with different compliance requirements. [23:22] In the U.S., the federal government sets the broad framework, like the Clean Air Act, the Inflation Reduction Act, and some national emission standards. But then, across the 50 states, over 35 states enforce renewable portfolio standards or clean energy standards. [23:41] Different states have different goals, like greenhouse gas reduction targets, and then some other things. And some states are super aggressive on their targets, with much higher standards and quicker standards than the federal guidelines. [24:05] Cummins has a designated team focusing on all the government requirements, the reporting, etc. We share data internally across the broader function teams. [24:24] If we collect data on the climate risk score, we want to make sure everybody leverages the same set of data. We have the same tone and the same message passing on to the global leaders, regional leaders, and even site leaders. [24:37] Justin asks about having systems in place. [24:42] Deyna says, We are building a risk framework around this area. That includes the centralized data. We share the same set of data with the stakeholders. We do need internal stakeholder alignment. [24:55] Deyna says, We have strategic alignment, talking about the same thing. Then we also need to work with site leaders at the site-level resiliency on their business continuity planning. [25:10] Deyna's team provides global training because climate risk is still quite a new concept to many people managing the risk. Deyna wants to make sure they understand where we come from, how we manage the data, and the risk. [25:21] Justin asks about Cummins's risk insurance and captive strategy. [25:28] Cummins uses captives strategically. From this climate risk management, Deyna says, we also have different approaches, from a few lenses. First is the risk data. [25:41] Deyna says, We select a good partner to help us review our global portfolio, and we gather the individual site climate risk score. [25:51] Deyna says, Then we put them together so that we can generate the whole company profile, the regional risk map, down to the country level and site-specific level about where the risky areas are for the individual site from a climate risk perspective. [26:06] Deyna says, Then, from the insurance program perspective, we also have a layered insurance program with our captive actively involved in leading the strategy and also, doing the transfer of the larger layers or risks to the reinsurance market. [26:23] Deyna continues, So, we buy the multi-year aggregate stop-loss in the captive to cap our volatility. Then, there are some other ways about parametric insurance that other companies can consider. [26:36] For Cummins, because we have broad coverage, we already consider such cat risks, including future rainfall, wind, and heat-related scenarios. [26:48] In addition to these, supply chain risk is an important piece to manage. So, contingency BI is also an important area to be considered in your insurance program, and it also covers the climate risk profile. [27:02] Deyna says, We have been using captive funding for the business resilience project. We do the business continuity planning stress test globally, and we also fund the climate risk project from the captive. [27:34] Deyna says, The most important thing is how to manage your employees' well-being. That's not just physical health; we are talking more about mental health. And to be frank, in certain areas, people already experience the climate risk impact, like heat, in the summertime. [27:52] Cummins has its International Employee Benefits Program in its captive, leveraging this program together with the climate risk management and working with HR, about how to better manage climate risk, with resiliency, in the future. [28:09] Deyna continues, talking about mental health support during disaster, emergency relocation, and making people, employees, and their families feel they are safe, working in a safe environment, and also that they don't need to worry about climate risk impact on operations. [28:20] Justin asks Deyna for words for young risk professionals coming up and organizations beginning to explore captives for climate risk financing. What are the misconceptions or blind spots that she sees? [29:44] Deyna says a blind spot about climate change is thinking that climate risk is too long-term for a captive and that captives are for managing whatever is coming up suddenly. In reality, floods, wildfires, and hurricanes are happening now and more frequently than before. [30:26] If we can model these types of risks for short-term, medium-term, and long-term retention strategies, that's important for captive or risk insurance for large companies to consider the future strategy. [30:41] The other thing Deyna hears is that captives only handle traditional reinsurance programs. Cummins uses the captive to fund risk insurance strategies or projects. Gathering climate risk data, building up the model, and cat modelling. [31:00] This also includes thinking about how to integrate this type of risk into risk financing and the insurance program. Cummins is managing it actively. [31:12] The other thing Deyna hears is that data is optional. So, especially for captive, everything is data-driven. [31:25] We have to do cat modelling, we have to make sure we buy the proper insurance program with proper premium payment, and also whether the retention level is appropriate for our site level, for captive, and for the overall program. So, data is the key, or data is the king. [32:00] Deyna says this touches employee safety, employee benefits, supply chain risk, and environmental liability. Lots of areas touch climate risk, not just the property program. [32:26] Deyna lists some suggestions. Build a holistic climate risk profile within the company, across all the global sites, that covers all the countries. Each company will change dramatically in climate risk. It must be data-driven. [33:01] To gather the data, find a proper partner to work with a reputable climate-risk expert to help you check legislative changes, access the hazard or cat modelling, and provide good climate risk data matching with those regulatory changes and compliance requirements. [33:24] Then support your thorough risk evaluation. That's the data part. [33:28] Then, on top of the data, build a good insurance management program, and leverage your captive to build the captive strategy relating to retention, the limit, and the parametrics, insurance program design, like parametric triggers. [33:45] In addition to the insurance program, you have the ERM, the Enterprise Risk Management, ESG reporting, and all the compliance relating to country requirements and state law requirements. [33:58] In Europe, it's CSRD. In the U.S., it's an SEC filing. So, there are lots of different regulatory requirements relating to this area. You want to make sure your data can support your reporting and then can be sustainable, year over year, not just a one-year data point. [34:15] Then, the other thing is the business continuity. Make sure that the good BCP management or integration, including climate risk, especially for all the high risks you are capturing, you should have really good operational resilience to face that. [34:33] Justin mentions that CSRD stands for Corporate Sustainability Reporting Directive, which sets the standard for how EU companies need to report on their sustainability work. He had to plug that in because there are so many abbreviations and acronyms in risk management. [34:53] Deyna's last point is to share the data internally with a cross-functional group, with internal stakeholders, including senior leadership reporting up to the CEO and COO level. [35:05] Share the data with the middle management team, global team, global leadership team, global management team, and then down to the site level. [35:15] All the parties need to work together to shape a holistic strategy around climate risk management. It's not just for risk insurance or captive only. [35:25] Justion says, Excellent. And so these are great tips for everybody. If you're thinking about launching a captive against your climate risk data profile, I think this is the way to go. [35:37] Justin says, Ms. Rumsey is your CEO, but before that, she was the Chief Operating Officer. So, you must have already had a good working relationship with her before she was promoted, right? [36:02] Deyna says, Yes. This is an important area, because we have not only climate risk, but also the whole risk relating to this area, managed by an environmental sustainability team. [36:16] They organize all the different functions, trying to achieve the goals, and then figure out all the different aspects of our operation and what we can do to meet our future goals. [36:27] This is long-term-driven. It's not like a five-year project; you get it done, and the project is completed. It's long-term. [36:35] Justin says, Ms. Rumsey had come on as COO in March of 2021. You and I first met, or at least recorded the RIMSCast episode, in May of 2021. [36:46] So right around that time, you were probably having higher-level discussions with her, and now you already had her ear, so I think that just speaks to the value of relationship building along the way. Would you agree? [36:58] Deyna says, We have the designated team internally managing this area, and we do connect through that lens, trying to gather the data a long, long time ago. [37:10] Justin says, But it's the sort of thing where, first of all, it's nice to see that people are promoted from within. I think that's a really great thing that Cummins did. [37:18] And second, the fact that you already had that line of communication, and it's not like you had to establish a new one with a new CEO. You already had that line of communication with somebody who was moving up into the role. [37:30] So, I think that speaks to Cummins's credit. I think it speaks to your credit and to your advantage, because you don't have to start from scratch and build that line. [37:40] Deyna acknowledges, Yes, it's super important. [37:44] Well, Dana, it has been such a pleasure to see you again, to record with you again here on RIMSCast. It's been almost five years, and we hope to see you at RISKWORLD. [38:00] Thank you once again for rejoining us, and hopefully, the next time I see you, it won't be five years in between. [38:06] Deyna says, Definitely. I love RIMS events, and all the conferences, the webinars, and even your podcast, so it's super good. [38:17] Justin says, Thank you so much. You're a wonderful guest. [38:20] Special thanks again to Deyna Feng for joining us here on RIMScast. Links to other RIMSCast episodes about captive insurance management are in this episode's show notes. [38:34] I've also got links to RIMS Risk Management Magazine articles about captives, as well as other RIMS resources, so check it out and go to the Risk Knowledge page of RIMS.org. [38:46] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [39:14] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [39:32] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [39:49] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [40:06] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [40:21] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [40:32] Practice good risk management, stay safe, and thank you again for your continuous support! Links: RIMS Risk Management Magazine: Year In Risk Edition | Feature Article RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | April‒June 2026 Cohort | Led by James Lam RISKWORLD 2026 Registration — Open for exhibitors, members, and non-members! Reserve your booth at RISKWORLD 2026! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS Risk Management magazine | Contribute RIMS Now Spencer Educational Foundation Scholarships | Submission Deadline Jan. 31, 2026 RISK PAC | RIMS Advocacy RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Series Featuring Joe Milan! Cummins Inc. Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam PrepMarch 10‒11 | April 21‒22, 2026, 9:00 am‒4:00 pm EST, Virtual Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops "Managing Worker Compensation, Employer's Liability and Employment Practices in the US" | Jan. 21‒22, 2026 "Storytelling with Data for Risk Management" | Feb. 2‒3 "Applying and Integrating ERM" | Feb 4. "Facilitating Risk-Based Decision Making" | March 4‒5, 2026 Upcoming RIMS Webinars: RIMS.org/Webinars Related RIMScast Episodes about Captive Management: "Broadcasting Captive Wisdom with James Swanke" "Risk Management Momentum with Lockton U.S. President Tim Ryan" "RIMS 2025 Risk Manager of the Year, Jennifer Pack" "Asian Pacific American Heritage Month 2021" (featuring Deyna Feng) Sponsored RIMScast Episodes: "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL (New!) "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Kristen Peed! RIMS Events, Education, and Services: RIMS Risk Maturity Model® Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information. Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts. Have a question or suggestion? Email: Content@rims.org. Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn. About our guest: Deyna Feng, Director of Captive Programs, Cummins Production and engineering provided by Podfly.

Dunamis: Empowerment that Delivers; Ephesians 1:15-23

jesus loves : the world - podcast

Play Episode Listen Later Jan 11, 2026 71:26

Send us a text

Liberty to the Captives

Play Episode Listen Later Jan 10, 2026 20:00

As we discovered last week, being part of God's ministry of reconciliation, we herald in the new dawn. We are part of the dawn chorus and sing a new song. A song unto the one who sits on the throne. For His song proclaims freedom to the captives and liberty to the oppressed. As you listen be blessed, empowered and transformed in Jesus name.Send us a textFor more information and free resources visit our website jesuslovestheworld.info Also connect with us in discipleship, watch our videos, follow us on facebook or send us an email

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From Cottage Industry to Global Solution: The Rise of Captives

IRMI Podcast

Play Episode Listen Later Jan 9, 2026 26:00

Steve McElhiney, partner at Captives and ART Solutions, divulges both the rising popularity, as well as some of the misconceptions, of the use of captive insurance in agriculture, in this 26-minute episode of The Edge of Risk Podcast by IRMI. Hear Mr. McElhiney's thoughts on how parametric insurance and captive insurance can go hand in hand.

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"He has sent me to proclaim liberty to captives." | Thursday after Epiphany

Lectio Divina Daily Reflections

Play Episode Listen Later Jan 7, 2026 1:57

https://lectiodiv.wordpress.com

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Exodus 20:1-3 | Exodus: Setting Captives Free

Daily Radio Bible Podcast

Play Episode Listen Later Jan 6, 2026 39:29

Exodus: Setting Captives Free In captivity, In bondage, God makes a way Sermon recorded January 4th, 2026 Caleb Click Lead Pastor Oak Mountain Presbyterian Church Birmingham, AL

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January 6th, 26: The Boundless Love of God: Jesus' Good News for All People

Play Episode Listen Later Jan 4, 2026 25:29

Click here for the DRB Daily Sign Up form! TODAY'S SCRIPTURE: Genesis 9-11; Luke 4 Click HERE to give! Get Free App Here! One Year Bible Podcast: Join Hunter and Heather Barnes on 'The Daily Radio Bible' for a daily 20-minute spiritual journey. Engage with scripture readings, heartfelt devotionals, and collective prayers that draw you into the heart of God's love. Embark on this year-long voyage through the Bible, and let each day's passage uplift and inspire you. TODAY'S EPISODE: Welcome to the Daily Radio Bible, where we journey through scripture together, drawing closer to the heart of God. In today's episode, host Hunter invites us into the fourth day of the new year's reading plan, reminding us that the pages of the Bible point us to the living Word—Jesus, who brings life and abundance. We dive into Genesis chapters 9 through 11, exploring God's covenant with Noah, the beginnings of nations after the flood, and the story of the Tower of Babel. Our reading continues in Luke 4, where Jesus, filled with the Spirit, faces temptation in the wilderness and launches His ministry with a message of hope for everyone—inside and outside the expected boundaries. As Hunter reflects on these scriptures, we are challenged to open our hearts wider, recognizing that God's love and grace reach beyond the borders we set. Today is an invitation to see God's favor poured out on the unexpected, to pray for all people, and to participate in the healing, freedom, and joy that Jesus proclaims. Let's step forward together, grounded in the assurance that we are deeply loved—no doubt about it. TODAY'S DEVOTION: He's outside the bounds and borders of where we expect him to be. He is present with those that we think are disqualified from his care, his healing and his love. They're from places like Zarephath in Sidon, or from the land of Syria, gentile lands, borderlands among people that are our enemies, people that we think are enemies of God, people we think are headed for destruction. And yet here's Jesus preaching His first sermon in a church service and proclaiming that God is with them too. That God's favor, His healing, his mercy, his grace is with those people too. This made no sense to his listeners. It offended their religious sensibilities to the core. So much so that Luke tells us that they tried to kill him afterwards. But Jesus will not be stopped. He will not be silenced, and his message will continue to be proclaimed. Jesus comes to show us that God is not a tribal deity. No, he is the God of all tribes. He is the God of all the earth. And his love for the world and its people is reaching into places that our religious minds and our offended minds say are outside the bounds of God's grace. So let's beware of drawing borders around God's love and his grace. Let's look carefully at how Jesus begins His ministry here in his very first sermon. And let us understand well what the Spirit of God is saying to his people. The good News is for the poor. Captives are released, the blind are seeing, the oppressed are set free. And the time of the Lord's favor has come. And Jesus says that that favor has come to everyone, inside and outside of whatever borders we have constructed. And that is good news for all of us. And the prayer of my own heart today is that I will participate with him in seeing and proclaiming and experiencing the favor and love of God in my own life and in the lives of all people. That's the prayer that I have for my own soul. That's the prayer that I have for my family, for my wife and my daughters and my son. And that's the prayer that I have for you. May it be so. TODAY'S PRAYERS: Lord God Almighty and everlasting father you have brought us in safety to this new day preserve us with your Mighty power that we might not fall into sin or be overcome by adversity. And in all we do, direct us to the fulfilling of your purpose through Jesus Christ Our Lord amen. Oh God you have made of one blood all the peoples of the earth and sent your blessed son to preach peace to those who are far and those who are near. Grant that people everywhere may seek after you, and find you. Bring the nations into your fold, pour out your Spirit on all flesh, and hasten the coming of your kingdom through Jesus Christ our Lord, Amen. And now Lord, make me an instrument of your peace. Where there is hatred let me sow love. Where there is injury, pardon. Where there is doubt, faith. Where there is despair, hope. Where there is darkness, light. And where there is sadness, Joy. Oh Lord grant that I might not seek to be consoled as to console. To be understood as to understand, to be loved as to love. For it is in the giving that we receive, in the pardoning that we are pardoned, it is in the dying that we are born unto eternal life. Amen And now as our Lord has taught us we are bold to pray... Our Father who art in heaven, hallowed be thy name, thy kingdom come thy will be done on earth as it is in heaven, give us this day our daily bread, and forgive us our tresspasses as we forgive those who trespass against us, and lead us not unto temptation, but deliver us from evil, for thine is the Kingdom and the power and the glory forever. Amen. Loving God, we give you thanks for restoring us in your image. And nourishing us with spiritual food, now send us forth as forgiven people, healed and renewed, that we may proclaim your love to the world, and continue in the risen life of Christ. Amen. OUR WEBSITE: www.dailyradiobible.com We are reading through the New Living Translation. Leave us a voicemail HERE: https://www.speakpipe.com/dailyradiobible Subscribe to us at YouTube: https://www.youtube.com/@Dailyradiobible/featured OTHER PODCASTS: Listen with Apple Podcast DAILY BIBLE FOR KIDS DAILY PSALMS DAILY PROVERBS DAILY LECTIONARY DAILY CHRONOLOGICAL

Waging War; Romans 7:21-25 & 1 Peter 5:8-9

conversations christians romans new testament christian life conquerors captives dodson

Play Episode Listen Later Jan 4, 2026 63:52

Send us a text

Tier-Ranking the Biggest Healthcare Stories of 2025 | Last Month In Healthcare

Self-Funded With Spencer

Play Episode Listen Later Dec 31, 2025 26:50

If you'd like your question answered on next month's episode, call/text 469-213-6381 and leave us a voicemail/text.Each month on Last Month In Healthcare, producer Nathaniel joins me to discuss the previous month's podcasts, headlines, and listener-submitted questions.This month, we're doing something a little different to close out 2025. Instead of just looking back at December, we are ranking the biggest healthcare stories of the entire year on a Tier List, from "Not Impactful" to "Super Impactful." We cover everything from the FTC suing the Big 3 PBMs and the J&J fiduciary lawsuit dismissal to the "bloodbath" of 2026 renewals and the explosion of GLP-1 usage.Plus, we debut a new "Explain Like I'm 5" segment where I break down complex concepts like Reference-Based Pricing, Captives, and Stop-Loss using simple analogies involving candy shops and dirt bikes. Finally, we answer a listener question about building confidence as a young professional in the industry.Chapters:0:00 - Intro: Last Year in Healthcare0:51 - Tier List19:05 - Explaining Insurance To A 5-year-old24:24 - Ask Spencer Anything

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Tier-Ranking the Biggest Healthcare Stories of 2025 | Last Month In Healthcare

Self-Funded With Spencer

Play Episode Listen Later Dec 31, 2025 26:50

If you'd like your question answered on next month's episode, call/text 469-213-6381 and leave us a voicemail/text.Each month on Last Month In Healthcare, producer Nathaniel joins me to discuss the previous month's podcasts, headlines, and listener-submitted questions.This month, we're doing something a little different to close out 2025. Instead of just looking back at December, we are ranking the biggest healthcare stories of the entire year on a Tier List, from "Not Impactful" to "Super Impactful." We cover everything from the FTC suing the Big 3 PBMs and the J&J fiduciary lawsuit dismissal to the "bloodbath" of 2026 renewals and the explosion of GLP-1 usage.Plus, we debut a new "Explain Like I'm 5" segment where I break down complex concepts like Reference-Based Pricing, Captives, and Stop-Loss using simple analogies involving candy shops and dirt bikes. Finally, we answer a listener question about building confidence as a young professional in the industry.Chapters:0:00 - Intro: Last Year in Healthcare0:51 - Tier List19:05 - Explaining Insurance To A 5-year-old24:24 - Ask Spencer Anything

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Conquerors Not Captives: A Conversation with Joseph Dodson

Cairn 10

Play Episode Listen Later Dec 17, 2025 62:15

Might a popular understanding of Paul's words in Romans 7:14-25 contribute to a learned helplessness with respect to sin in the lives of many Christians? New Testament scholar Dr. Joseph Dodson believes the answer is yes and explains why in his book Conquerors Not Captives: Reframing Romans 7 for the Christian Life. In this episode, he joins Dr. Keith Plummer to discuss his take on this much-contested passage.

The Prophet that Couldn't be Broken tells the Captives to Bless the City that Shouldn't be Blessed

Paul VanderKlay's Podcast

Play Episode Listen Later Dec 7, 2025 31:04

Jeremiah and Babylon https://www.livingstonescrc.com/give Register for the Estuary/Cleanup Weekend https://lscrc.elvanto.net/form/94f5e542-facc-4764-9883-442f982df447 Paul Vander Klay clips channel https://www.youtube.com/channel/UCX0jIcadtoxELSwehCh5QTg https://www.meetup.com/sacramento-estuary/ My Substack https://paulvanderklay.substack.com/ Bridges of meaning https://discord.gg/mQGdwNca Estuary Hub Link https://www.estuaryhub.com/ There is a video version of this podcast on YouTube at http://www.youtube.com/paulvanderklay To listen to this on ITunes https://itunes.apple.com/us/podcast/paul-vanderklays-podcast/id1394314333 If you need the RSS feed for your podcast player https://paulvanderklay.podbean.com/feed/ All Amazon links here are part of the Amazon Affiliate Program. Amazon pays me a small commission at no additional cost to you if you buy through one of the product links here. This is is one (free to you) way to support my videos. https://paypal.me/paulvanderklay Blockchain backup on Lbry https://odysee.com/@paulvanderklay https://www.patreon.com/paulvanderklay Paul's Church Content at Living Stones Channel https://www.youtube.com/channel/UCh7bdktIALZ9Nq41oVCvW-A To support Paul's work by supporting his church give here. https://tithe.ly/give?c=2160640 https://www.livingstonescrc.com/give

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Captives: The Hidden War Behind Fraternities and Sororities

The Purpose Collective

Play Episode Listen Later Dec 3, 2025 35:43

"The supreme art of war is to subdue the enemy without fighting." What if the organizations so many celebrate as symbols of unity, legacy, and purpose… are actually part of something much deeper—something unseen? In this revelatory message, Pavielle Bee exposes how Satan has weaponized deception to make spiritual bondage appear beautiful and allegiance to darkness look like empowerment. Using Scripture and insights, I uncover a strategy the enemy has been perfecting for generations—a war waged in plain sight, disguised as community, culture, and pride. This teaching explores: ✅ How spiritual warfare operates through deception and agreement ✅ The hidden power of vows, oaths, and rituals many overlook ✅ Why some believers unknowingly defend what's actually opposing God ✅ How to recognize when you're part of something that looks godly but isn't ✅ The path to true freedom and spiritual clarity "The supreme art of war is to subdue the enemy without fighting." — Sun Tzu The question is… what if that war has already reached you? NEXT STEP TO DISCOVERING GOD'S PURPOSE FOR YOUR LIFE

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Exodus 18 | Exodus: Setting Captives Free