Podcasts about Captives

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

Key takeaways from this study God's laws were always intended as a blueprint for human dignity, justice and release from oppression, laying the groundwork for true freedom. Heaven's agenda is not simply legalistic rule-keeping, but the transformation of individuals and societies toward compassion and liberty. By making freedom the end goal for slaves — especially Israelite slaves — God modeled a system intended to end cycles of generational bondage. The Torah's pathway for Gentiles to join Israel is Heaven's open door for all nations to enter spiritual freedom. Biblical laws set higher standards for humane treatment, signaling Heaven's desire that all people, regardless of status, can be liberated. Prophetic interventions (like Jeremiah 34) show that God rewards societies that extend liberty, but withdraws his favor when they renege, underscoring that freedom is dear to God's heart. The arrival of Yeshua the Messiah (Jesus the Christ) is the culmination of Heaven’s freedom goal: the offer of spiritual freedom and redemption to every nation, tribe and tongue. God is deeply responsive to repentance, faith and action — always ready to set captives free, both physically and spiritually. The ultimate intention of Heaven is for all people to know freedom — not merely by law, but through relationship, faith, and loving community. The journey from slavery to sonship is the story of God's heart for humanity: that every nation would experience deliverance and restoration through His mercy and truth. It's tempting to skip the difficult parts of the Bible, like the ordinances of slavery in Exodus (שְׁמוֹת Shemot). Here, we don't dodge them. We face them head-on, recognizing that Scripture's laws were in response to brutal ancient societies but also express the heart of a redeeming God Who works through history, not around it. The תּוֹרָה Torah (“instruction,” “teaching”) is not just a book of do's and don'ts. It's an unfolding revelation — God giving His people not only laws (מִצְווֹת mitzvot) but the principles and spirit behind them. Today we’re seeking those principles, to “rightly divide the word of truth” (2Timothy 2:15), so we can discern what God is up to in these difficult passages. The big picture: Law, mercy and becoming a distinct people to do something Let's remember, Israel was called to be a “kingdom of priests and a holy nation” (גּוֹי קָדוֹשׁ goy kadosh; Exodus 19:6) — not to mimic Egypt or Babylon but to model God's justice and compassion. We're not supposed to copy distorted theologies or twisted histories, like those that fueled the Spanish Inquisition (tragically insisting on forced conversions and outlawing Torah practice). Instead, “placing the ordinances before them” (Exodus 21:1) challenged Israel to treat every person — citizen, foreigner or even slave — with more dignity, fairness, and hope for freedom than the surrounding world expected. We're still being called to do the same. When we read these laws, our immediate reaction is often that they—and the culture in which they were given—seem strange, even very strange, to us. Human nature does not change, and people who desire to exercise absolute power over others will always find excuses to do so. As believers, we have an obligation to advocate for the freedom and fair treatment of those who are enslaved. Laws about slavery: An honest look The structure of biblical servitude Exodus 21–22 doesn't ignore slavery. It regulates and humanizes it within a radically unfree world. In Hebrew, the word is עֶבֶד eved (“servant” or “slave”). Slavery in ancient Israel could arise from debt, crime or poverty. But the Torah takes that bitter reality and bends it toward compassion and eventual liberty. Israelite slaves (עֶבֶד עִבְרִי eved Ivri): They were set free after six years of service. “In the seventh year he shall go out as a free man without payment” (Exodus 21:2 NASB 1995). Gentile slaves (עֶבֶד מִן־הַגּוֹיִם eved min ha-goyim): Non-Israelite slaves served longer, but the law provided avenues for dignity and even conversion and inclusion. The key was always freedom (חֵרוּת cherut, ἐλευθερία eleutheria). “God encourages us to not just say, ‘Well, there's the law.' Rather, He teaches us the principle behind the law — so we can apply it, even as times change.” Responsibilities and restoration Torah insisted that masters provide for their servants and their families. “If his master gives him a wife, and she bears him sons or daughters, the wife and her children shall belong to her master, and he shall go out alone” (Exodus 21:4 NASB 1995). But here's the twist: upon release, Israelites were to be given resources (Deuteronomy 15:13-14). Slaves could, with what they received, “buy” freedom for their wives and children — a path to holistic release. The gentile's path to inclusion An incredible provision: any Gentile (גּוֹי goy, plural גּוֹיִים goyim) who embraced the God of Israel became “as a native of the land” (Leviticus 19:34). The Torah's inclusive heart was always beating — the servant wasn't forever defined by their starting point; they could become part of the family of God. The moment he says, “I am not going to be Gentile anymore, I'm going to follow the God of Israel,” he's now a sojourner among Israel (Exodus 12:48-49; Numbers 15:15). The reality is that throughout most of the Ancient Near East, there were few legal avenues for slaves to gain freedom, whereas in Israel there were legal mechanisms that allowed slaves to become free. The Torah's laws, which may appear inequitable at first glance, were in fact more merciful to slaves than the laws common throughout the Ancient Near East. Discipline and ethics: Justice with limits The Torah sought to curb human power, even in discipline. Masters were prohibited from using lethal force against slaves: “But if the slave survives a day or two, no vengeance shall be taken; for he is his property. If, however, the slave lives only a day or two after being beaten … he shall surely be punished.” Exodus 21:20-21 paraphrase Jewish tradition explains: discipline could only use non-lethal tools—not rocks (אֶבֶן ehven, “stone”) or clubs (מַקֵּל makel, “rod”) liable to cause death. If a slave was permanently injured (e.g., lost an eye or tooth), that servant went free (Exodus 21:26-27). This is the Torah's חֶסֶד khesed/chesed (“mercy”), limiting what was culturally normal — even while working within a broken world. Consequences of injustice In parallel passage Jeremiah 34, King צִדְקִיָּהוּ Tzidkiyahu (Zedekiah) decreed liberty for Israelite slaves, an “Emancipation Proclamation” in obedience to Torah. For a moment, Heaven's pleasure was evident — the Babylonian army withdrew. “…Proclaim liberty to them, that every man should set free his male servant and every man his female servant — a Hebrew man or a Hebrew woman — so that no one should keep them, an Israelite his brother, in bondage.” Jeremiah 34:9-10 paraphrase But when the people reneged — re-enslaving those liberated — God pronounced judgment, equating their act to kidnapping (חָטַף khataf/chataph), a capital offense (Exodus 21:16): “… I will give Zedekiah king of Judah and his princes into the hand of their enemies … and burn it with fire ….” Jeremiah 34:21-22 NASB 1995 The prophetic message? Justice and mercy aren't just ideals. They're the very conditions for God's protection and blessing. Freedom is non-negotiable. Even kings are not above God's law. Faith, works and living out God's heart Apostle יַעֲקֹב Ya'akov (James) famously wrote about faith in Heaven that doesn’t bring life to the world: “For just as the body without the spirit is dead, so also faith without works is dead.” Our discussion reinforced that belief and action are inseparable. Kings, like Zedekiah, couldn't just declare good intentions. They had to enforce righteousness — for themselves and their society. Faith (אֱמוּנָה emunah) doesn't just reside in the mind. It must change how we respond to suffering, injustice, or even ancient laws — pushing us to build communities where no one stays in bondage. Messiah: The fulfillment of freedom and inclusion The whole of Scripture is a story arc bending toward Messiah — יֵשׁוּעַ Yeshua (“salvation”). The Torah's complex social instructions longed for something greater: spiritual and ultimately physical redemption for all. Yeshua quoted one of Heaven’s key reformer prophets when He announced His mission: “The Spirit of the LORD is upon Me, because He anointed Me to preach the gospel to the poor. He has sent Me to proclaim release [ἄφεσις aphesis, “release/freedom”] to the captives, and recovery of sight to the blind, to set free those who are oppressed.” Luke 4:18 NASB 1995; Isaiah 61:1 And Apostle Paul (formerly, Sha'ul) wrote: It was for freedom (ἐλευθερία eleutheria) that Messiah set us free; therefore keep standing firm…. Galatians 5:1 NASB 1995 Messiah is the answer to both the physical and deepest spiritual oppression. He is the One who brings both Jew and Gentile, slave and free, into “the glorious liberty of the children of God” (Romans 8:21 NASB 1995). Principles behind the Law: Applying God's heart today Laws without principles can become cold and lifeless. God wants us to know why He commands as much as what He commands. The Torah teaches us to understand the “spirit” (רוּחַ ruach) behind the mitzvot. Yeshua taught (Matt 22:34-40: Mark 12:28-31; Luke 10:25-37) that the three-fold loving the LORD (mind/emotions, life, wealth/resources; Deuteronomy 6:4-5) and loving others as oneself (Leviticus 19:18). When faced with a new or difficult situation, it is the principle of freedom, justice, khesed (mercy) and shalom (contentment) that should guide us. If we understand Heaven’s principle, then we can apply it in a positive way and affect a whole lot of people, including ourselves and the outcome we live through. Repentance, intercession and God's compassion A thread through Scripture is Heaven’s willingness and eagerness to listen, to show mercy and to change a decree in response to repentance (תְּשׁוּבָה teshuvah, μετάνοια metanoia, “return/repentance”) and prayer. Whether we look at Moses interceding after the Golden Calf (Exodus 32), or Abraham negotiating for Sodom (Genesis 18), or Jeremiah weeping for his people, we see a God who invites dialogue and delights to show mercy: So the LORD changed His mind about the harm which He said He would do to His people. Exodus 32:14 NASB 1995 Our relationship with God is rooted in covenant (בְּרִית berit), not unalterable fate. We can plead for mercy, intervene for others, and participate with God in the work of redemption. From Egypt to Messiah: A journey of increasing inclusion The arc of Scripture is toward ever-greater inclusion and freedom, not less. The Torah began by regulating and humanizing ancient social norms. The prophets called the people to deeper justice and loyal-kindness: “To do justly, to love mercy (חֶסֶד chesed), and to walk humbly with your God” (Micah 6:8). And in Messiah, the doors are thrown open wide: “There is neither Jew nor Greek, there is neither slave nor free man, there is neither male nor female; for you are all one in Christ Jesus” (Galatians 3:28 NASB 1995). God's heart, from start to finish, is to proclaim liberty (דְּרוֹר deror, “release/freedom”) to the captives and recovery for all. Proclaiming freedom to the nations The disturbing reality of slavery in the Bible is not the last word. God's commandments, even where they accommodated ancient realities, were always subversive — pushing toward a world of inclusion, compassion, and release for all peoples. We are called, in Messiah, to “let justice roll down like waters and righteousness like an ever-flowing stream” (Amos 5:24 NASB 1995). So let's be a people who oppose bondage wherever we see it — physical, spiritual, social — and who open the doors to any who wish to become sons and daughters of the Most High. May we, as those native to Israel and those grafted into her who have found freedom in Messiah, be quick to share that hope: “If the Son makes you free, you will be free indeed” (John 8:36 NASB 1995). Shalom and blessings as you seek and extend God's liberating love to every nation (גּוֹי goy) and every neighbor. May the God Who brought Israel out of מִצְרָיִם Mitzrayim (Egypt) continue to bring all His children into freedom and shalom. The post Set the captives free: The Bible's real message on slavery & redemption (Exodus 21–22; Jeremiah 34) appeared first on Hallel Fellowship.

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.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Joseph A. Milan, Ph.D., about the core philosophy or mindset for risk managers, the definition of acceptable risk, and how acceptable risk changes, depending on the organization's culture, strategy, or industry. Joseph shares his view on common mistakes and how biases can lead to gut decisions that are the least effective solutions. Justin and Joseph discuss Joseph's upcoming two-day virtual seminar, "Facilitating Risk-Based Decision Making", on March 4th and 5th, and how participants should prepare for it. Finally, Joseph shares closing thoughts for those in one-person risk departments. Listen for thoughts on how to keep the gut reaction out of decision-making.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. Our guest is Joseph Milan, Ph.D. You know him from the RIMS CRMP Insights Series. [:40] As one of our virtual instructors, he's here to discuss his own risk philosophies ahead of the RIMS Virtual Workshop on March 4th and 5th. He'll be leading "Facilitating Risk-Based Decision Making". But first… [:54] RIMS-CRMP and Some Exam Prep Courses. The next virtual prep course will be held on January 14th and 15th, 2026. These are virtual courses. 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] 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. [1:38] RIMS members always enjoy deep discounts on the virtual workshops. [1:48] 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. [2:00] You can enroll now for the next cohort, which will be held over 12 weeks from January to March of 2026. Registration closes on January 5th. Or Spring ahead and register for the cohort that will be held from April to June, 2026. Registration closes on April 6th. [2:20] Links to registration and enrollment are in this episode's show notes. [2:25] On with the show! Today, we will discuss facilitating risk-based decision-making with our friend Joseph Milan, Ph.D. He is the Principal at J.A. Milan & Associates and is also an Adjunct Professor at the University of Colorado. [2:43] He is a RIMS CRMP Commissioner. You get a lot of his insights from the RIMS CRMP Insights Series. A link is in this episode's show notes. In this dialog, we will get a preview of his upcoming workshop, "Facilitating Risk-Based Decision Making", on March 4th and 5th. [3:02] But we're really going to get into Joe's risk philosophies, which are the sorts of things the RIMScast audience can use as they develop their careers and as they move into higher positions, ascend the corporate ladder, or become a department of one. [3:20] Interview! I've known him for years, and I'm so glad to finally be saying… [3:22] Joseph Milan, welcome to RIMScast! [3:41] Justin notes that he and Joseph have recorded so many things through the years, but not RIMScast. Joseph says it's great to be back with Justin, and on this medium, and he looks forward to sharing more information with Justin and all the RIMS members. [4:21] Joseph shares his RIMS history. It started in the olden times of 2005 when he got involved in a committee Carol Fox set up, called at the time the ERM Development Committee, now known as the RIMS Strategic and Enterprise Risk Management Council. [4:46] Then Joseph started helping with curriculum development and in-person professional development, before COVID. [4:58] After COVID, Joseph has been involved not only in delivering seminars but, as a commission member for the RIMS-CRMP, helped develop that curriculum and governance structure. Joseph has been involved with RIMS in different ways over the years. [5:12] There's a good chance that someone listening to this podcast will think, Hey, I know that guy! I recognize that voice! [5:26] Joseph is an Adjunct Professor at the University of Colorado, Denver. He's been active in the Risk Consulting Space since 2008, doing projects that range from simple commercial insurance placements to complex ERM implementations. He brings a unique perspective. [6:02] Joseph teaches at the University of Colorado Business School. He helped develop a course on Enterprise Risk Management. ERM is truly becoming a mature discipline. Joseph thinks RIMS is establishing a global presence for ERM. Justin credits Joseph, in part, for that. [7:05] When Justin saw that Joseph was going to host a two-day workshop, March 5th and 6th, "Facilitating Risk-Based Decision Making", he said, Let's get Joe on the show and end 2025 with a great interview with him. [7:38] Joseph says the course is, in many ways, the pinnacle of risk management as a discipline. If we think about the domains and components of the RIMS-CRMP, the fifth domain within the CRMP is about supporting risk-based decision-making. [8:06] This is a two-day seminar that takes a deep dive into that space. Joseph says it's the most fun, advanced, and interactive. It's the task that requires the best blend between the technical and the so-called soft skills. It's really exciting. Joseph is looking forward to it. [8:28] Joseph hopes a lot of the audience listening to this podcast will take enough of an interest to spend the 14 or 15 hours — it seems like a lot, but it goes fast! There are breaks. [8:52] When Joseph leads a course, he takes questions live. His approach is dynamic and flexible in terms of making sure that people get what they expect from the seminar. [9:05] Joseph says crunching numbers is super important. The assumption for this seminar is that these are advanced practitioners who can do number crunching or hire somebody to do it. The number crunching is important because it sets the foundation for control limits. [9:23] Number crunching sets the foundation for being able to answer questions about risk philosophy. [9:34] Core philosophy is risk philosophy. Risk philosophy comes from definitions of risk appetite and risk tolerance, and being able to operationalize those definitions in simple statements, in plain language, tied to the control limits that come from the number crunching. [10:00] With a good amount of work, within any organization, a risk professional and a team of people dedicated to risk and ERM should be able to put those definitions into action. [10:31] In the context of an advanced risk management or ERM seminar, when we talk about risk, it's always also about opportunity. [10:46] The simplest definition of acceptable risk is that which fits within the risk philosophy of the organization, within risk appetite and risk tolerance, and supports the organization in terms of its pursuit of objectives. [11:04] It's almost always about higher profitability, more money in for-profit companies. Non-profit companies describe it differently. Maybe it's focusing on providing more service, which is a proxy for getting more money. [11:19] It's about remaining a going concern and achieving goals. That's the simple definition: fitting within risk appetite and risk tolerance. [11:52] Joseph says it's constantly about finding balance. It's not just about the most influential senior leader, the risk leader, or the ERM leader. [12:05] It's also about the risk owners within the organization and how they fit into the strategic direction of the organization: growth vs. stability. Maybe it's an organization in distress and is focusing on retrenchment and building up a balance sheet to be able to redirect itself. [12:27] It's in that space that a lot of times, there is an unintentional lack of organizational risk competency. That can contribute to not just conflict, but also misunderstandings about what's acceptable, in terms of taking on risk in pursuit of objectives. [12:49] Communication is something we focus on in the seminar "Facilitating Risk-Based Decision Making" quite a bit. [12:58] It is in the soft space of actively listening and identifying triggers in terms of perception of risk that have a huge impact on the decisions that an organization takes in risk and opportunity. It is challenging and time-consuming, but done correctly, it's super worthwhile! [13:27] 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! [13:49] 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. [14:04] Let's Return to Our Interview with Joseph Milan! [14:14] Joseph Milan will be hosting a workshop, "Facilitating Risk-Based Decision Making", on March 4th and 5th. Registration closes March 3rd. Justin says there is nobody better than Joseph to host this RIMS workshop. Joseph has a wide range of experience. [15:14] A risk practitioner may focus more on the traditional space, insurance. Joseph says ERM will not supersede traditional risk management. [16:06] A common mistake is that risk practitioners tend to get distracted by what they think are big numbers, but which pale in comparison to the big picture on the balance sheet. [16:36] A good solution to that mistake is to find influential people in the organization who are plugged into financial planning, analysis, and budgeting, with a long connection to the organization, to help put things in perspective and answer questions about acceptable risk. [17:09] Does it fit within the organization's risk appetite and tolerance? Answering those questions quantitatively can be fairly easy in terms of doing analysis and providing conclusions about expected total losses, frequency, and severity. [17:33] The more important question is, is that acceptable, and does it fit within what executive leadership expects in terms of the stability of the financial performance of the company? [17:44] The mistake is in overemphasizing or overestimating the importance of certain quantitative components of a risk program that oftentimes might not be that important. Conversely, there might be something much less visible that needs more attention. [18:12] You have to know your audience, and you need to know what their emotions are, what motivates them, and what might trigger them. It's a bad idea to follow your gut, but it happens all the time. One of the main reasons it happens is because of emotion. [18:44] If you see weird, irrational things happening, often, it ties back to a personal experience that the President, CEO, or CFO had many years ago. You might have an operator who went through Hurricane Katrina and is super sensitive to that type of hazard risk. [19:11] Justin shares the impact Hurricane Sandy had on his home and on his parents' home, which was destroyed. The flooding gutted the area. Looking back, Justin will always have NatCat insurance. Justin is still traumatized by it. [19:53] Joseph emphasizes communication and knowing your audience. An organization may want to do ERM or take its insurance program to the next level. Some spaces trigger reactions and emotions. [20:31] It takes time to figure out an unwritten organizational culture. [21:18] Strategy impacts the perception of risk, what's acceptable in terms of risk, and what the upper and lower control limits are. Where does strategy come from? Joseph says strategy comes from vision, mission, and execution. [21:42] Strategy comes from various places. It could be external market forces. It could be the result of a merger or an acquisition, or a series of mergers and acquisitions. The executive leadership team may have to look around and ask themselves, Who are we? What are we doing? [22:08] The first company that hired Justin, in 20 years, has been acquired twice, and people who had been lifers are being shown the door. [22:46] Joseph says, In M&A, there is a huge impact on morale. Without a clear communication plan, backed up by action, things can get inefficient and expensive very quickly. [23:17] 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. [23:36] 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. [23:53] Including part-time, graduate scholarships to risk management and insurance professionals continuing their education. [23:58] 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. [24:15] 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. [24:36] Visit SpencerEd.org/scholarships. You'll find the different application buttons. See the link in this episode's show notes for more information, giving you some extra homework to do over the holiday break, if you are taking a holiday break!. [24:53] Let's Return to the Conclusion of My Interview with Joseph Milan! [25:01] Justin had Jim Swanke as a guest on International Podcast Day, from the University of Wisconsin, Madison's Wisconsin School of Business. He mentioned he has a real passion for being an educator for risk management students. [25:25] Jim Swanke encourages students to lean into technology and AI as a proofreader and a time-saving tool, to help go through contracts, claims, and things like that. That was on the captive insurance side. [25:50] Justin asks Joseph for his take on AI. Joseph encourages students to go all in on it. It's the future. It is not going away. [26:04] Joseph's clients are asking him about AI because they're looking for opportunities to increase efficiency. Is there a way we can reduce the time it takes to do "fill in the blank"? [26:17] When you look at the top risk management information systems, the first and second place, Origami and Riskonnect, are spending a lot of time and money looking for any opportunity to leverage AI to make the broader risk management process more efficient. [26:42] Joseph gives the example of analytics. It takes a couple of seconds to do a multiple linear regression analysis. The hard part is collecting the data to support the analysis. If you can leverage AI to collect, clean, and organize data, that is something you should do, with caution. [27:09] We know that large language models tend to occasionally hallucinate. To have a non-sentient black box to have a hallucination as it's cleaning your data for analysis is a little bit of a scary thing. Fortunately, we humans are still around to check these machines. [27:33] Joseph says the shortest answer is that AI is not going away. It needs to be embraced carefully. The process fundamentals that we have been thinking about, doing, and teaching about for years are the same. They will not change. [28:03] Joseph will be leading the "Facilitating Risk-Based Decision Making" virtual workshop for RIMS on March 4th and 5th. It's a two-day course with six or more hours each day. [28:32] Joseph says it's a seminar that focuses on the advanced implementation of risk solutions. We will not be doing calculations, analytics, or analysis. [28:50] We're assuming that everyone is showing up with a deep and broad understanding of not only definitions of potential risk and opportunity, but also a solid foundation in the analytical space. [29:02] This is more about thinking about how bias influences individual, group, and social perceptions and recommendations, in terms of risk. [29:17] Participants should bring an open mind and an understanding of the importance of soft skills in the space of supporting risk-based decisions. [29:31] Some of the listeners may already have read this book, but Joseph recommends it again, Thinking, Fast and Slow, by Daniel Kahneman. It is the foundation for the seminar. [29:43] Joseph says, the book takes a deep dive into the "caveman" forces that influence intuitive, gut-reaction decisions, and how gut reactions can be a very unhelpful approach for the systematic, slower decisions that need to be made regarding complex risk. [30:09] Joseph recommends reading the book. He says it will provide you with a much better foundation for the seminar, and it's a book you will keep going back to throughout your career. [30:23] Justin says, It's been such a pleasure to see you again. I've got links to the RIMS-CRMP Insights Series that you did for us. There is plenty of Joseph Milan content here on RIMS.org. [30:50] Joseph's last words for listeners: The first message is to be committed to the hard work that goes into cleaning, organizing, and setting the stage. It's part of being a good risk manager. [31:52] Beyond that, a lot of what we talk about in the ERM space has to do with leveraging existing resources and breaking down silos. Find influential, knowledgeable people in your organization who can help with different cultural components and a lot of the tactical things. [32:14] They might be able to help you find shortcuts as you take on different implementations and initiatives within the risk space within your company. [32:30] Justin says, I look forward to seeing you again, in 2026, virtually, and/or in person. Thank you so much for all your time and for being so generous with your knowledge. [32:46] Special thanks again to Joseph Milan for joining us here on RIMScast. His virtual workshop is "Facilitating Risk-Based Decision Making". Enrollment closes on March 3rd for the two-day course, which will be held on March 4th and 5th. A link is in this episode's show notes. [33:07] Joseph will also lead the Pre-RISKWORLD two-day workshop, "Captives as an Alternate Risk Financing Technique," on-site in Philadelphia on May 2nd and 3rd, 2026. We will provide a registration link when it's available. Mark your calendar and learn from one of the best! [33:28] 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. [33:56] 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. [34:13] 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. [34:30] 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. [34:46] 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. [35:00] 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. [35:11] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: "Facilitating Risk-Based Decision Making" | Virtual Workshop | March 4‒5, 2026 RIMS-CRO Certificate Program in Advanced Enterprise Risk Management | Jan‒March 2026 Cohort | Led by James Lam RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Series Featuring Joe Milan! 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 Legislative Summit SAVE THE DATE — March 18‒19, 2026 Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam PrepJanuary 14‒15, 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   Upcoming RIMS Webinars: RIMS.org/Webinars   Related RIMScast Episodes: "James Lam on ERM, Strategy, and the Modern CRO" "The Evolving Role of the Risk Analyst" "Presilience and Cognitive Biases with Dr. Gav Schneider and Shreen Williams" "Risk Rotation with Lori Flaherty and Bill Coller of Paychex" "Risk Quantification Through Value-Based Frameworks"   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® 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: Joseph A. Milan, Ph.D.   Production and engineering provided by Podfly.  

This week, Rob continued our Still Near series by reminding us that Jesus came to set the captives free. Though many are still held by the weight of sin, true freedom is found in the truth of who Jesus is. When we invite Him into our hearts and choose to worship Him, we step into the freedom only He can give.

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

Fireside Devotionals with Russ Ep291 - Captured Captives

"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 

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Sadig Hajiyev, SOCAR Türkiye, Risk & Compliance Group Director, about SOCAR Turkiye and winning the RIMS ERM Global Award of Distinction. Sadig speaks of their ERM transformation that shifted SOCAR Türkiye from a compliance-oriented approach to an integrated, strategy-driven system, and a pivotal change. Sadig explains how they keep the ERM cohesive for business leaders, enabling decision-making. Sadig comments on external shocks that pressure-tested the program, showing the organization's true resilience and how it adapted its ERM approach. He speaks of one innovation with the biggest measurable impact. Justin and Sadig discuss SOCAR Türkiye's maturity jumping from a level-3 "repeatable" program to a level-5 "leading practice" in just a few years, supported by both the RIMS RMM and internal surveys, and how they are sustaining that momentum, having reached the top tier. Listen for words of wisdom and encouragement for risk practitioners.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. Our guest today is Sadig Hajiyev. He is the Risk & Compliance Group Director for SOCAR Türkiye, and he was one of two recipients of the RIMS Global ERM Award of Distinction. [:47] We will talk about the unique characteristics of his ERM Program and his unique risk philosophies. But first… [:55] The next RIMS-CRMP-FED Exam Prep with AFERM will be held on December 3rd and 4th. The next RIMS-CRMP Exam Prep with PARIMA will be held on December 4th and 5th. These are virtual courses. [1:12] Links to these courses can be found through the Certifications page of RIMS.org and through this episode's show notes. [1:19] RIMS Virtual Workshops! "Managing Data for ERM" will be led again by Pat Saporito. That session will start on December 11th. Registration closes on December 10th. RIMS members always enjoy deep discounts on the virtual workshops. [1:38] 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. [1:50] 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. [2:02] You can enroll now for the next cohort, which will be held over 12 weeks from January through March of 2026. Registration closes on January 5th. Or Spring ahead, and register for the cohort that will be held from April through June of 2026. Registration closes on April 6th. [2:22] Links to registration and enrollment are in this episode's show notes. [2:27] This episode was recorded at the RIMS ERM Conference 2025. We've covered a lot of ERM ground in the last few episodes, and for those who want to catch up, I've included a link to the RIMS ERM Special Digital Edition of Risk Management magazine in this episode's notes. [2:50] RIMScast ERM coverage is linked as well. Enhance your ERM knowledge with RIMS. [2:56] On with the show! This special episode was recorded live from Seattle at the RIMS ERM Conference 2025. [3:05] It was one of the best-attended ERM Conferences in RIMS history, with hundreds of ERM practitioners and students from around the world connecting, learning, and celebrating. [3:17] In RIMS tradition, we awarded the RIMS Global ERM Awards of Distinction. This year, there were two winners, one of which was SOCAR Türkiye, a pioneering energy company based in Turkey. The company's ERM program wowed our judges. [3:34] Accepting the award is Sadig Hajiyev. He is the Risk & Compliance Group Director. As you will hear, he took the ERM Program to the next level. Since we were in person, it was the perfect time to sit down and speak with him after receiving his award. [3:49] We're going to learn all about the program and Sadig's unique risk philosophies. Let's get to it! [3:53] Interview! Sadig Hajiyev, welcome to RIMScast! [4:18] Sadig says winning the award is a great feeling! Knowing someone here understands the value of the ERM Program and appreciates it is great! He shared photos and his reflections with his organization and got many congratulations, even though it was almost midnight in Turkey! [5:09] Saig explains that SOCAR is a global company, based in Azerbaijan, with more than 100K people working in Turkey. They have refineries and petrochemical facilities working together. They are also in the energy trading business. They have terminals. [5:34] They have multiple sectors, including fiber optic cables. They are doing so much in Turkey. SOCAR Türkiye is the biggest single-point investment in the history of Turkey, worth around $20 billion U.S. [6:01] Sadig's department is 15 people, including compliance professionals. They have a resource pool of experts and allocate teams as needed. [6:16] In 2022, SOCAR Türkiye shifted from a compliance-oriented approach to an integrated, strategy-driven system. [6:29] SOCAR Türkiye does international business. It is highly dependent on international trade regulations, especially trade sanction regulations. Being compliant is not sufficient for SOCAR Türkiye. Sadig says sanction regulations are very dynamic, and you should be adaptive to them. [6:57] Sadig says adaptation should be risk-based. At that time, SOCAR Türkiye started to implement risk-based compliance studies and approaches to make healthier decisions. They understood that it was the right decision. [7:21] SOCAR Türkiye has a modular ERM framework that spans Scenario Analysis, Risk and Control Self-Assessments (RCSAs), Regulatory Attestation Cycles, the ISO 22301, and the Resilience Maturity Model. [7:42] Justin asks how Sadig keeps them cohesive and digestible so that his leaders in SOCAR know that ERM is enabling decision-making. Sadig says it's not easy. They all met the needs that came up. [8:14] The risk leader needs to understand the context of the company. Being very close to the first line, Sadig does not believe there is value in going to the C-Suite and asking what they expect of risk management. They have no idea. [8:33] Sadig says it's more important to have a smooth discussion with them. At that point, the skill of the risk manager comes in to understand the context there and find out what would work best for this need. By that, you are supporting the company's decision-making. [9:05] Sadig is a boxer. He keeps telling his team that risk management shouldn't be very friendly. Conversations shouldn't be easy or enjoyable. Discussions should be disruptive. Sadig risk is the department asking, if zombies are coming and invading our vault, what will happen? [9:47] Risk leaders are the ones at the table to trigger those discussions and have the tough conversations. At that time, a leader's personality and personal brand are important. Managers should understand you are not doing it just to disrupt. [10:08] You are doing it for the company's sake, to make the decision-makers consider all the aspects, risks, threats, and opportunities. [10:43] SOCAR Türkiye faced significant external shocks in the last couple of years: security incidents, sanctions, and energy price volatility that pressure tested the ERM Program, but the company demonstrated resilience. [11:11] Each of these incidents had its own dynamics that made the ERM Program learn or find a way to adapt. [11:29] Turkey is a country with a very diverse range of uncertainties: political, economic, and geographical. The oil and gas sector is under pressure from international regulations, the climate, and more. There are so many issues going around. [11:51] Facing real-time instances can be disruptive and impactful on daily business. The most important thing is the ability to adapt. It's the top management's job to adapt. Risk management is about the future. If something happens, risk management is there to support. [12:23] 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 wth them. Booth sales are open now! [12:45] Registration is open for RIMS members now, as well. General registration and speaker registration will open on December 3rd. [12:53] Links are in this episode's show notes, and this year, when you purchase one Full-Conference Pass by December 2nd, you can add a second Full-Conference Pass at 50% off, through December 31st. [13:07] When an eligible member selects a Full-Conference Pass while registering online, a Promo Code will be generated on the Review step of the registration form. [13:05] This code will also be included in the Confirmation Email. It may be shared with a second eligible member from the same company or same email domain, and receive that 50% discount. Bring a colleague for 50% off. This is available to organizational and individual RIMS members. [13:32] Links are in this episode's show notes. [13:35] Let's Return to My Interview with 2025 RIMS ERM Global Award of Distinction Winner Sadig Hajiyev! [13:46] Justin speaks of SOCAR Türkiye's impressive innovations, dynamic risk appetite metrics tied to EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization), an AI Geopolitical Scenario Engine, and a Resilience Scorecard linked to Capital Allocation. [14:10] Justin says he thinks all of this helped drive SOCAR Türkiye's nomination to the winning category. Justin asks which one brought the biggest measurable impact. [14:20] For the biggest financial result, Sadig says it was the assumption studies SOCAR Türkiye implemented to its financial projection. Sadig believes risk managers look at a range of values. [14:50] Sadig says, like quantum physics, it's not one or zero. It can be one or zero in different contexts and times. The assumption studies proved that, in context, for a set point of time, a long-term financial projection is useless. Sadig focuses on short-term targets and planning. [15:21] Sadig says short-term planning is annual to less than five years. Sadig believes the assumption studies had a measurable financial impact. [15:34] Justin notes that SOCAR Türkiye's Maturity jumped from a Level 3 Repeatable Program to a Level 5 Leading Practice in just a few years, supported by the RIMS Risk Maturity Model and internal surveys. [15:53] Justin asks what cultural or leadership behaviors Sadig believes were essential to achieving that Level 5 performance. Sadig says it is prioritization. They have a well-developed metric to model, mostly inspired by the RIMS Maturity Model, with tailored components added. [16:29] Sadig says SOCAR Türkiye conducts a biannual Maturity Survey with its target audience, the risk champions, decision-makers, and C-Suite. [16:41] The SOCAR Türkiye ERM Program defined its Maturity Model with the participation of an external auditor. They were missing the implementation of the GRC Platform, the digitalization of the whole system, strategy embedding, and risk-based budgeting. [17:04] The ERM Program prepared a roadmap to link up with the GRC Platform, implemented the roadmap, and defined the latest state as a fixed level. [17:27] Having achieved the top tier, the ERM Program is still chasing new things to do. Now, they are focusing first on incident management and second on captives. [17:46] For incidents, it's easy to collect information based on the declaration, but Sadig is dreaming about eliminating the human factor from incident recording to have a very objective and transparent information base. [18:03] The ERM Program has already worked on it to link the incident information to the risk assessment. This can automate the risk assessment based on the incident results or impacts. [18:18] The next step is finding how to monetize the maturity level of risk management. This idea brought SOCAR Türkiye to implement captives. [18:37] SOCAR Türkiye has a tremendous amount of budget allocated to insurance. They can rely on, to a certain threshold, the ability to manage risks in a controlled environment, in the effort to optimize their insurance program and budget. Captives are the future. [19:07] Justin comments that the RIMS 2025 Risk Manager of the Year is the Captive Manager for her organization, Hyatt. The trend is that a lot of people are going toward captives to self-insure. It can be a revenue generator. [19:27] Sadig adds that the move to captives is not just to put risk management in more of a position of strategy or as a budget supporter. It's because of the risk environment. There are new risks emerging and evolving. [19:46] Sadig believes these new risks will be uninsurable in the near future because of AI and new cyber risks. The insurance sector is not able to adapt quickly enough to create a pool to insure the risk all around the world. The responsibility will stay with companies and captives. [20:31] Sadig's final words on the value of ERM: Risk managers in the company are the only people who take the future in a systematic way. The future is always important, never urgent, but when it comes, it's already here. [20:49] The board and the C-Suite rely on risk managers to be able to have better insight before the future comes. [21:03] Justin says teşekkürler (thanks)! It's been a real pleasure to meet you, and congratulations again! [21:11] Special thanks again to Sadig Hajiyev for joining us here on RIMScast. This episode was produced live on-site at the RIMS ERM Conference in Seattle. Our coverage of the RIMS ERM Conference will continue in the next installment of RIMScast with two interviews in one episode! [21:28] Be sure to visit the RIMS LinkedIn page for all sorts of photos, videos, and coverage of this fantastic event! We had a great time, and we look forward to seeing you next year in Washington, D.C., for the RIMS ERM Conference 2026. [21:44] 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. [22:13] 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. [22:31] 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. [22:48] 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. [23:05] 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. [23:19] 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. [23:31] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | Jan‒March 2026 Cohort | Led by James Lam RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 RIMS-Certified Risk Management Professional (RIMS-CRMP) RISKWORLD 2026 Registration — Open for Members! Reserve your booth at RISKWORLD 2026! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS Risk Management magazine | Contribute RIMS ERM Special Edition 2025 RIMS Now SOCAR Türkiye Upcoming RIMS Webinars: RIMS.org/Webinars   Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP-FED Exam Prep with AFERM Virtual Workshop — December 3‒4 RIMS-CRMP Exam Prep with PARIMA — December 4‒5, 2025 Full RIMS-CRMP Prep Course Schedule "Leveraging Data and Analytics for Continuous Risk Management (Part I)" | Dec 4. See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes: "Risk Rotation with Lori Flaherty and Bill Coller of Paychex" "Energizing ERM with Kellee Ann Richards-St. Clair" "AI and the Future of Risk with Dan Chuparkoff" (RIMS ERM Conference Keynote) "Talking ERM: From Geopolitical Whiplash to Leadership Buy-In" with Chrystina Howard of Hub "Shawn Punancy of Delta Flies High With ERM" "Tom Brandt on Growing Your Career and Organization with ERM" "James Lam on ERM, Strategy, and the Modern CRO" "Risk Quantification Through Value-Based Frameworks"   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: Sadig Hajiyev, Risk & Compliance Group Director, SOCAR Türkiye   Production and engineering provided by Podfly.  

Exodus: Setting Captives Free In captivity, in bondage, God makes a way   Sermon recorded November 16th, 2025 Caleb Click Lead Pastor Oak Mountain Presbyterian Church Birmingham, AL

Slavery has been a ubiquitous practice throughout much of world history–and the Muslim world was no exception. Slave soldiers, concubines, and eunuchs can be found throughout Muslim writings—which, as Justin Marozzi points out in his book Captives and Companions: A History of Slavery and the Slave Trade in the Islamic World (Pegasus Books, 2025), ends up giving us a selective and narrow view of who slaves were, and what they did. Justin tries to dive into this history–sometimes very patchy history–to figure out the full extent of slavery in the Muslim world, from the very start of Muslim society, through the Ottoman Empire and the Barbary Pirates, to abolition and the final decision by Mauritania to abolish slavery in 1981. Justin Marozzi is a former Financial Times and Economist foreign correspondent. He is also the author of several books, including Baghdad: City of Peace, City of Blood (Allen Lane: 2014) and Islamic Empires: The Cities that Shaped the Modern World (Pegasus Books: 2020). You can find more reviews, excerpts, interviews, and essays at The Asian Review of Books, including its review of Captives and Companions. Follow on Twitter at @BookReviewsAsia. Nicholas Gordon is an editor for a global magazine, and a reviewer for the Asian Review of Books. He can be found on Twitter at @nickrigordon. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/new-books-network

Slavery has been a ubiquitous practice throughout much of world history–and the Muslim world was no exception. Slave soldiers, concubines, and eunuchs can be found throughout Muslim writings—which, as Justin Marozzi points out in his book Captives and Companions: A History of Slavery and the Slave Trade in the Islamic World (Pegasus Books, 2025), ends up giving us a selective and narrow view of who slaves were, and what they did. Justin tries to dive into this history–sometimes very patchy history–to figure out the full extent of slavery in the Muslim world, from the very start of Muslim society, through the Ottoman Empire and the Barbary Pirates, to abolition and the final decision by Mauritania to abolish slavery in 1981. Justin Marozzi is a former Financial Times and Economist foreign correspondent. He is also the author of several books, including Baghdad: City of Peace, City of Blood (Allen Lane: 2014) and Islamic Empires: The Cities that Shaped the Modern World (Pegasus Books: 2020). You can find more reviews, excerpts, interviews, and essays at The Asian Review of Books, including its review of Captives and Companions. Follow on Twitter at @BookReviewsAsia. Nicholas Gordon is an editor for a global magazine, and a reviewer for the Asian Review of Books. He can be found on Twitter at @nickrigordon. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/islamic-studies

Slavery has been a ubiquitous practice throughout much of world history–and the Muslim world was no exception. Slave soldiers, concubines, and eunuchs can be found throughout Muslim writings—which, as Justin Marozzi points out in his book Captives and Companions: A History of Slavery and the Slave Trade in the Islamic World (Pegasus Books, 2025), ends up giving us a selective and narrow view of who slaves were, and what they did. Justin tries to dive into this history–sometimes very patchy history–to figure out the full extent of slavery in the Muslim world, from the very start of Muslim society, through the Ottoman Empire and the Barbary Pirates, to abolition and the final decision by Mauritania to abolish slavery in 1981. Justin Marozzi is a former Financial Times and Economist foreign correspondent. He is also the author of several books, including Baghdad: City of Peace, City of Blood (Allen Lane: 2014) and Islamic Empires: The Cities that Shaped the Modern World (Pegasus Books: 2020). You can find more reviews, excerpts, interviews, and essays at The Asian Review of Books, including its review of Captives and Companions. Follow on Twitter at @BookReviewsAsia. Nicholas Gordon is an editor for a global magazine, and a reviewer for the Asian Review of Books. He can be found on Twitter at @nickrigordon. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/middle-eastern-studies

Slavery has been a ubiquitous practice throughout much of world history–and the Muslim world was no exception. Slave soldiers, concubines, and eunuchs can be found throughout Muslim writings—which, as Justin Marozzi points out in his book Captives and Companions: A History of Slavery and the Slave Trade in the Islamic World (Pegasus Books, 2025), ends up giving us a selective and narrow view of who slaves were, and what they did. Justin tries to dive into this history–sometimes very patchy history–to figure out the full extent of slavery in the Muslim world, from the very start of Muslim society, through the Ottoman Empire and the Barbary Pirates, to abolition and the final decision by Mauritania to abolish slavery in 1981. Justin Marozzi is a former Financial Times and Economist foreign correspondent. He is also the author of several books, including Baghdad: City of Peace, City of Blood (Allen Lane: 2014) and Islamic Empires: The Cities that Shaped the Modern World (Pegasus Books: 2020). You can find more reviews, excerpts, interviews, and essays at The Asian Review of Books, including its review of Captives and Companions. Follow on Twitter at @BookReviewsAsia. Nicholas Gordon is an editor for a global magazine, and a reviewer for the Asian Review of Books. He can be found on Twitter at @nickrigordon. Learn more about your ad choices. Visit megaphone.fm/adchoices Support our show by becoming a premium member! https://newbooksnetwork.supportingcast.fm/asian-review

Your daily news in under three minutes. At Al Jazeera Podcasts, we want to hear from you, our listeners. So, please head to https://www.aljazeera.com/survey and tell us your thoughts about this show and other Al Jazeera podcasts. It only takes a few minutes! Connect with us: @AJEPodcasts on X, Instagram, Facebook, and YouTube

What Jesus did on the cross is the key to setting you free from captivity to sin.

Exodus: Setting Captives Free In captivity, in bondage, God makes a way   Sermon recorded November 9th, 2025 Caleb Click Lead Pastor Oak Mountain Presbyterian Church Birmingham, AL

Series: The Gospel of Mark Speaker: Drew Zuehlke Hope Community Church - Columbia Heights Discussion Guide For more resources or to learn more about Hope Heights, visit hopecc.com/heights.

Your daily news in under three minutes. At Al Jazeera Podcasts, we want to hear from you, our listeners. So, please head to https://www.aljazeera.com/survey and tell us your thoughts about this show and other Al Jazeera podcasts. It only takes a few minutes! Connect with us: @AJEPodcasts on X, Instagram, Facebook, and YouTube

Your daily news in under three minutes. At Al Jazeera Podcasts, we want to hear from you, our listeners. So, please head to https://www.aljazeera.com/survey and tell us your thoughts about this show and other Al Jazeera podcasts. It only takes a few minutes! Connect with us: @AJEPodcasts on X, Instagram, Facebook, and YouTube

Exodus: Setting Captives Free In captivity, in bondage, God makes a way   Sermon recorded November 2nd, 2025 Caleb Click Lead Pastor Oak Mountain Presbyterian Church Birmingham, AL

Pastor Nicoletti discusses “Rules for Captives,” again from Deuteronomy 21:10-14.

first one was taken down.

We finish up this insane book. The last part is wild and hilarious.

Exodus: Setting Captives Free In captivity, in bondage, God makes a way Sermon recorded October 26th, 2025 Caleb Click Lead Pastor Oak Mountain Presbyterian Church Birmingham, AL

Pastor Nicoletti returns to Deuteronomy to talk about “The Bible’s Vision for Human Sexuality” from Deuteronomy 21:10-14.

It was an historic day in Israel, a day of euphoria and celebration, that these Christian friends got to experience in person. All the living hostages were released by Hamas and returned to Israel from which they were kidnapped two years ago. The bodies of 28 remaining hostages, most of whom were killed in captivity, are starting to be released. But Hamas is still standing, threatening Israelis and Gazans. 2000 terrorists are being released, 250 of whom are serving one to as many as dozens of life sentences. The victims and family members of these terrorists are scarred. Israelis know that 82% of previous terrorists released have gone back to terror. At the same time, President Trump arrived in Israel and pledged his support and optimism for Israel's future and the region on the whole. Live this experience through their eyes and ears. PLEASE DONATE TO THE GENESIS 123 FOUNDATION ISRAEL EMERGENCY FUND AT WWW.GENESIS123.CO To join us making special events like this possible, please give generously at https://genesis123foundation.revv.co/soldierssocialwelfareGet information about how you can join FOOTSTEPS at https://genesis123.co/footsteps/For information about and how to register for Root & Branch, please go to www.RootandBranchIsrael.comConnect with the Genesis 123 Foundation at www.Genesis123.co and learn how you can host Shabbat in your community.FB - www.facebook.com/Genesis123Foundation Twitter - @Genesis123FIG - Genesis_123_FoundationFind out how you can be part of Run for Zion and bless Israel with every step at www.RunforZion.com.

We continue our ride to crazy town and learn how to get rid of demons and more demon sex.

Your daily news in under three minutes. At Al Jazeera Podcasts, we want to hear from you, our listeners. So, please head to https://www.aljazeera.com/survey and tell us your thoughts about this show and other Al Jazeera podcasts. It only takes a few minutes! Connect with us: @AJEPodcasts on X, Instagram, Facebook, and YouTube

✅ Speak Better English With Me https://brentspeak.as.me/ Use code Fall15 for 15% off.

OHHHHH boy, welcome to spooky season with our yearly satanic panic reading series. This year we go through Dr Rebecca Brown - He Came To Set The Captives Free which is FULL of monster fucking.

Headlines for October 14, 2025; “Recognize Palestine”: Israeli Knesset Member Ofer Cassif on Protesting Trump, Netanyahu Speeches; Free Dr. Abu Safiya: Calls Grow for Israel to Release Imprisoned Gaza Healthcare Workers; Will Gaza Ceasefire Last? Trump’s Plan “Short on Details” Beyond Release of Captives; Juan González on Chicago’s Grassroots Movement to Protect Immigrants from ICE

Headlines for October 14, 2025; “Recognize Palestine”: Israeli Knesset Member Ofer Cassif on Protesting Trump, Netanyahu Speeches; Free Dr. Abu Safiya: Calls Grow for Israel to Release Imprisoned Gaza Healthcare Workers; Will Gaza Ceasefire Last? Trump’s Plan “Short on Details” Beyond Release of Captives; Juan González on Chicago’s Grassroots Movement to Protect Immigrants from ICE

It’s a deal that was long awaited, but will it bring peace? The exchange of Palestinians and Israelis marked the strongest sign yet that a ceasefire deal between Israel and Hamas is holding. With world leaders at a summit in Egypt’s Sharm el-Sheikh on Monday, the stakes are high – and the path ahead is still uncertain. The Take is nominated for the Signal Awards in the Best Daily Podcast category. While we wait for the judges' decisions, you can help us win the listeners' vote. Vote for The Take for Best Daily Podcast. In this episode: Haggai Matar (@Ha_Matar), +972 Executive Director Episode credits: This episode was produced by Marcos Bartolomé and Haleema Shah, with Amy Walters, Tamara Khandaker, Fatima Shafiq, Farhan Rafid, and our guest host, Kevin Hirten. It was edited by Alexandra Locke. Our sound designer is Alex Roldan. Our video editors are Hisham Abu Salah and Mohannad Al-Melhem. Alexandra Locke is the Take’s executive producer. Ney Alvarez is Al Jazeera’s head of audio. Connect with us: @AJEPodcasts on X, Instagram, Facebook, and YouTube

"The biggest shift was the consolidation that happened with the insurance carriers themselves. From 25 or more carriers to just four national carriers." - John RutledgeHow did health insurance get so broken? My guest this week, 40-year industry veteran John Rutledge of Marsh McLennan Agency, joins the show to walk us through the last 40 years of decisions that led us to the consolidated, expensive, and frustrating market we have today.John explains how the market went from over 25 competing carriers to just four national players. We discuss how the rise of carrier-owned PPOs squeezed out competition, and how the ACA later standardized coverage, locking employers into the "Buca box" with painfully limited options.But this isn't just a history lesson. We also discuss the solution that has emerged from the ashes of the old system: the explosion of self-funding and alternative risk models like captives that empower employers to finally break free.Tune in for a masterclass on how health insurance was broken, and more importantly, how we can start to fix it.Chapters:(00:00:00) How Health Insurance Was Broken Over The Last 40 Years (00:05:01) Why Self-Funding Has Exploded Since the ACA (00:09:58) How We Went From 25+ Carriers to Just 4 (00:12:56) The "Buca Box": Trapped with No Options (00:31:04) The Rise of Captives as an Alternative (00:40:31) Why Engaged Employers Win in a Captive (01:00:56) A Call to Action for Employers & AdvisorsKey Links for Social:@SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFundedListen/watch on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/

Clement Manyathela speaks with the listeners about the Palestinian captives that Israel released and the ongoing Parliamentary ad hoc committee that is investigating allegations made by KwaZulu-Natal Police Commissioner Lieutenant General Nhlanhla Mkhwanazi. The Clement Manyathela Show is broadcast on 702, a Johannesburg based talk radio station, weekdays from 09:00 to 12:00 (SA Time). Clement Manyathela starts his show each weekday on 702 at 9 am taking your calls and voice notes on his Open Line. In the second hour of his show, he unpacks, explains, and makes sense of the news of the day. Clement has several features in his third hour from 11 am that provide you with information to help and guide you through your daily life. As your morning friend, he tackles the serious as well as the light-hearted, on your behalf. Thank you for listening to a podcast from The Clement Manyathela Show. Listen live on Primedia+ weekdays from 09:00 and 12:00 (SA Time) to The Clement Manyathela Show broadcast on 702 https://buff.ly/gk3y0Kj For more from the show go to https://buff.ly/XijPLtJ or find all the catch-up podcasts here https://buff.ly/p0gWuPE Subscribe to the 702 Daily and Weekly Newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook https://www.facebook.com/TalkRadio702 702 on TikTok https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 See omnystudio.com/listener for privacy information.

Your daily news in under three minutes. At Al Jazeera Podcasts, we want to hear from you, our listeners. So, please head to https://www.aljazeera.com/survey and tell us your thoughts about this show and other Al Jazeera podcasts. It only takes a few minutes! Connect with us: @AJEPodcasts on X, Instagram, Facebook, and YouTube

Exodus: Setting Captives Free In captivity, in bondage, God makes a way   Sermon recorded October 12th, 2025 Dax Gibson Pastor of Life Groups, Outreach, & Newcomers Oak Mountain Presbyterian Church Birmingham, AL

Palestinian and Israeli captives have been released. Plus: Israel refuses to release Marwan Barghouti, and the Green Party reaches 100,000 members. With Michael Walker, NoJusticeMTG, Andreas Krieg and Milena Ansari.

The expeditions had begun. Quraysh's caravans - loaded with the wealth stripped from the Muslims in Makkah - became the new target. The first expeditions passed without major confrontation, but each one edged closer to the inevitable clash. Then came Nakhlah.A sealed letter. A mission meant only to observe. Twelve men who suddenly found themselves standing at a crossroads: strike the caravan now and risk spilling blood in the sacred month, or let it pass and lose the chance forever. One arrow was loosed. A man fell. Captives were taken. The first spoils of war were in Muslim hands.What followed shook everything. Accusations, anger, and uncertainty filled Madinah. Even the Muslims themselves were unsure of what had just happened - until revelation from Allah ﷻ descended, clarifying the truth and turning the tide.In this episode, Ustadh Abdulrahman Hassan explores:- The Prophet's ﷺ earliest expeditions and why only the Muhajirun participated in them.- The Nakhlah raid and its far-reaching consequences.- A tender moment that gave ‘Ali رضي الله عنه the name Abu Turab, and a chilling prophecy about his fate.- Lessons from deviation, and why the chains of scholarship protect the Ummah.A single decision at Nakhlah pushed the Muslims closer to what Quraysh had long feared: open battle.Timestamps:00:00 Precap & Introduction03:00 The First Expedition10:27 The Second Expedition11:28 The Third Expedition18:18 Story Behind ‘Ali Ibn Abi Talib's Nickname: Abu Turab30:13 The Death of ‘Ali Ibn Abi Talib42:54 The Final ExpeditionAMAU Junior: https://amaujunior.com/Instagram: https://www.instagram.com/amau...Patreon: https://www.patreon.com/AMAUTelegram: https://t.me/amauofficialYouTube: https://www.youtube.com/c/AMAU...Twitter: https://twitter.com/AMAUoffici...iTunes: https://podcasts.apple.com/us/...Spotify: https://open.spotify.com/show/...Get in Touch: https://amau.org/getintouchBarakAllahu feekum.#AMAU #seerah #prophetmuhammad #islamiclectures #islamicknowledge

In this episode, the Mayor sits down with industry veteran Jeff Kleid  a 30-year insurance innovator, MGA, and carrier leader  to talk about the business of hard-to-place risks, the truth about captives, and how brokers can turn complex accounts into profitable opportunities.From selling insurance on the internet in the ‘90s to building niche programs for cannabis, film, and trucking, Jeff shares real-world lessons about taking chances, trusting data, and transforming the way independent agents think about risk.In this episode, we discuss:The evolution from retail broker to MGA and carrierWhy most agents misunderstand captives (and how to use them right)Building programs for high-risk industries like towing and hempHow to niche down without boxing yourself inThe role of AI in underwriting and program innovationKey Takeaways:Don't fear the hard-to-place — that's where opportunity lives.Captives aren't restrictive; they empower growth and control.Niche success is built on relationships and risk awareness.AI is a tool, not a replacement — human insight still wins the day.Connect with Jeff Kleid:LinkedIn: linkedin.com/in/jeffkleidEmail: jdkleid@eliterisk.comWebsite: eliterisk.comSpecial Thanks to Our Sponsors:

Exodus: Setting Captives Free In captivity, in bondage, God makes a way   Sermon recorded October 5th, 2025 Caleb Click Lead Pastor Oak Mountain Presbyterian Church Birmingham, AL

Justin Marozzi is a historian and journalist who has spent most of his professional life living and working in the Muslim world. His latest book is Captives and Companions: A History of Slavery and the Slave Trade in the Islamic World. In this week's conversation, Yascha Mounk and Justin Marozzi discuss different conceptions of slavery and manumission globally, what we can learn from enslaved people's stories, and modern slavery. If you have not yet signed up for our podcast, please do so now by following this link on your phone. Email: leonora.barclay@persuasion.community Podcast production by Mickey Freeland and Leonora Barclay. Connect with us! Spotify | Apple | Google X: @Yascha_Mounk & @JoinPersuasion YouTube: Yascha Mounk, Persuasion LinkedIn: Persuasion Community Learn more about your ad choices. Visit megaphone.fm/adchoices

Exodus: Setting Captives Free In captivity, in bondage, God makes a way   Sermon recorded September 28th, 2025 Caleb Click Lead Pastor Oak Mountain Presbyterian Church Birmingham, AL

Featured playlist: The Church (That Meets in My Home) — https://www.youtube.com/playlist?list=PL5Yobt1jZDd9Zzn8Ufa-BNciyYv04Cl6mMy books:Exalted: Putting Jesus in His Place — https://www.amazon.com/Exalted-Putting-Jesus-His-Place/dp/0985118709/ref=tmm_pap_title_0God's Design for Marriage (Married Edition) — https://www.amazon.com/Gods-Design-Marriage-Married-Amazing/dp/0998786306/ref=sr_1_4?s=books&ie=UTF8&qid=1493422125&sr=1-4&keywords=god%27s+design+for+marriageGod's Design for Marriage (Pre-married Edition) — https://www.amazon.com/Gods-Design-Marriage-What-Before/dp/0985118725/ref=cm_cr_pr_product_topSupport us - become a CTC Partner: https://crosstocrown.org/partners/crosstocrown.org@DougGoodin

William Taylor - Jesus makes extraordinary claims—claims that demand serious evidence to back them up. In his Gospel, Luke gives us exactly that. He shows us Jesus at work, speaking with authority, acting with power, and revealing a will completely aligned with God's purposes. Through it all, Luke writes to build our confidence in who Jesus is. His goal? Certainty—and his account delivers it.

William Taylor - Jesus makes extraordinary claims—claims that demand serious evidence to back them up. In his Gospel, Luke gives us exactly that. He shows us Jesus at work, speaking with authority, acting with power, and revealing a will completely aligned with God's purposes. Through it all, Luke writes to build our confidence in who Jesus is. His goal? Certainty—and his account delivers it.

The expeditions had begun. Quraysh's caravans - loaded with the wealth stripped from the Muslims in Makkah - became the new target. The first expeditions passed without major confrontation, but each one edged closer to the inevitable clash. Then came Nakhlah. A sealed letter. A mission meant only to observe. Twelve men who suddenly found themselves standing at a crossroads: strike the caravan now and risk spilling blood in the sacred month, or let it pass and lose the chance forever. One arrow was loosed. A man fell. Captives were taken. The first spoils of war were in Muslim hands. What followed shook everything. Accusations, anger, and uncertainty filled Madinah. Even the Muslims themselves were unsure of what had just happened - until revelation from Allah ﷻ descended, clarifying the truth and turning the tide. In this episode, Ustadh Abdulrahman Hassan explores: - The Prophet's ﷺ earliest expeditions and why only the Muhajirun participated in them. - The Nakhlah raid and its far-reaching consequences. - A tender moment that gave ‘Ali رضي الله عنه the name Abu Turab, and a chilling prophecy about his fate. - Lessons from deviation, and why the chains of scholarship protect the Ummah. A single decision at Nakhlah pushed the Muslims closer to what Quraysh had long feared: open battle. Sign up now to AMAU Academy: https://www.amauacademy.com/ AMAU Academy: https://www.amauacademy.com/ AMAU Junior: https://amaujunior.com/ Instagram: https://www.instagram.com/amauofficial/ Patreon: https://www.patreon.com/AMAU Telegram: https://t.me/amauofficial YouTube: https://www.youtube.com/c/AMAUofficial Twitter: https://twitter.com/AMAUofficial iTunes: https://podcasts.apple.com/us/podcast/al-madrasatu-al-umariyyah/id1524526782 Spotify: https://open.spotify.com/show/08NJC1pIA0maaF6aKqZL4N Get in Touch: https://amau.org/getintouch BarakAllahu feekum. #AMAU #seerah #prophetmuhammad #islamiclectures #islamicknowledge