Podcasts about cc0

Featured on Bistro: Triple Lakes Trail - by J. S. O'Keefe - narrated by John dee Fodder: The Outsourcing of Torment By Phillip Berrie - narrated by Mark English The True Story Behind “Invasion of the Body Snatchers” - by William Kitcher - narrated by Oxley Dutton Children of Yesterday - By A J Dalton Our Audio License AntipodeanSF Radio Show by Ion Newcombe is licensed under CC BY-NC-ND 4.0 Featured Music Danish Lakes by Glass Boy is licensed under a Attribution-NoDerivatives 3.0 International License. Fodder for Flies by Smallpox is licensed under a Attribution-NonCommercial-NoDerivatives 4.0 International License. Space Invasion Fun by John Bartmann is licensed under a CC0 1.0 Universal License. Ghosts by Crowander is licensed under a Attribution-NonCommercial 4.0 International License. Intro & Outro Music Celestial Navigation by Blue Dot Sessions is licensed under a Attribution-NonCommercial License

How can a binding international treaty be agreed and put into practice, when many parties are strongly tempted to break the rules of the agreement, for commercial or military advantage, and when cheating may be hard to detect? That's the dilemma we'll examine in this episode, concerning possible treaties to govern the development and deployment of advanced AI.Our guest is Otto Barten, Director of the Existential Risk Observatory, which is based in the Netherlands but operates internationally. In November last year, Time magazine published an article by Otto, advocating what his organisation calls a Conditional AI Safety Treaty. In March this year, these ideas were expanded into a 34-page preprint which we'll be discussing today, “International Agreements on AI Safety: Review and Recommendations for a Conditional AI Safety Treaty”.Before co-founding the Existential Risk Observatory in 2021, Otto had roles as a sustainable energy engineer, data scientist, and entrepreneur. He has a BSc in Theoretical Physics from the University of Groningen and an MSc in Sustainable Energy Technology from Delft University of Technology.Selected follow-ups:Existential Risk ObservatoryThere Is a Solution to AI's Existential Risk Problem - TimeInternational Agreements on AI Safety: Review and Recommendations for a Conditional AI Safety Treaty - Otto Barten and colleaguesThe Precipice: Existential Risk and the Future of Humanity - book by Toby OrdGrand futures and existential risk - Lecture by Anders Sandberg in London attended by OttoPauseAIStopAIResponsible Scaling Policies - METRMeta warns of 'worse' experience for European users - BBC NewsAccidental Nuclear War: a Timeline of Close Calls - FLIThe Vulnerable World Hypothesis - Nick BostromSemiconductor Manufacturing Optics - ZeissCalifornia Institute for Machine ConsciousnessTipping point for large-scale social change? Just 25 percent - Penn TodayMusic: Spike Protein, by Koi Discovery, available under CC0 1.0 Public Domain DeclarationPromoguy Talk PillsAgency in Amsterdam dives into topics like Tech, AI, digital marketing, and more drama...Listen on: Apple Podcasts Spotify Digital Disruption with Geoff Nielson Discover how technology is reshaping our lives and livelihoods.Listen on: Apple Podcasts Spotify

A windstorm knocks over a power line, causing hundreds of cheesecakes at a local restaurant to spoil. The owners have to close for a few days as they manufacture more. Their adjuster wants to know how to investigate the storm and power outage.   Notable Timestamps [ 00:20 ] - The loss of desserts is always tragic, even lemon merengue. [ 01:00 ] - Trivia: Which variety of cheesecake contains "quark"? Or should we say "Weißkäse"? [ 01:50 ] - PLRB.org features a Weather and Catastrophe hub designed for insurance professionals and not for cat enthusiasts. [ 02:17 ] - Users can get a full weather/cat report from the historical weather section of the Weather and Cat hub by entering an address and date range. [ 03:11 ] - A full weather/cat report provides data including hail, wind, precipitation, lightning probability, storm reports, and watches/warnings. [ 04:15 ] - For this scenario, the report showed evidence of strong winds, such as a 72 or 73 mile per hour gust reported near the scenario's location in Waco, Texas. [ 06:08 ] - The PLRB hub also offers a power outage report tool which uses data from power outage US and covers 80% of the United States. [ 07:18 ] - The power outage report can show the location of outages near the address, indicating that power was out in the general area. [ 08:13 ] - Both the full weather/cat report and the power outage report can be combined to provide evidence, in this scenario for example, that a storm  came through and knocked out power for the area. [ 09:59 ] - Dylan provides a recap of the scenario and the points above. Your PLRB Resources Get a Full Weather/CAT Report (hail, wind, precipitation, more) - https://www.plrb.org/weather-cat/plrb-cat-data/ PLRB Catastrophe Services Launches New Power Outage Reports - https://www.plrb.org/documents/plrb-catastrophe-services-launches-new-power-outage-reports/?search=power%20outage%202025 Mankoff v. Privilege Underwriters Reciprocal Exch., No. 05-22-00963-CV, 2024 Tex. App. LEXIS 594 (Tex. App. 01/29/2024) (Court of Appeals of Texas, 5th District, applying TX law) [reviewed at PLRB, Prop. Ins. L. Rev. (2024)] - https://www.plrb.org/documents/mankoff-v-privilege-underwriters-reciprocal-exch-2024/?search=mankoff Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Summary: The first memory of Len the Cleric within a hidden holy place... of The Iron Realm. Of Special Note: Part 2 of a NEW Character Eight mini-series: The Choice. Download Chapter 143: The Origin of Len Download All Future Episodes & Bonus Episodes --HERE-- The fiction of John Merle Holes is read for you, with his permission, on Travellers of the Maze. Follow John on Twitter The following recording for The Iron Realm Podcast by Katie Otten was showcased on tonight's episode: Custom Audio created for The Iron Realm by Katie Otten I edited tracks for volume, length, pitch, and mood. Katie's aforementioned audio is included with permission. Find Katie Otten online on: katieotten.com katieotten13 on Twitter, Facebook, and Instagram The following recording for The Iron Realm Podcast by Guinefurrie was showcased on tonight's episode under the CC Attribution License 3.0: pathetic n cryin Custom Audio created for The Iron Realm by Guinefurrie find Guinefurrie on FreeSound: Guinefurrie Guinefurrie's aforementioned audio is included in accordance with Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/ A thank you for the following recording by NessaZ: Custom Audio created for The Iron Realm I edited tracks for volume, length, pitch, and mood. Find NessaZ online: Click here to visit her SoundCloud page Click here to visit her YouTube page NessaZ's aforementioned audio and music is included on The Iron Realm with her permission. The following recording for The Iron Realm Podcast by Elizabeth Carter Media was used with permission during the Opening and during Tribal Matters: Custom Audio created for The Iron Realm by Elizabeth Carter Media I edited tracks for volume, length, pitch, and mood. Find Elizabeth Carter Media online on X A thank you for the following recording by Thimblerig: Custom Audio created for The Iron Realm I edited tracks for volume, length, pitch, and mood. Find Thimblerig online: Click here to visit Thimblerig's FreeSound page Thimblerig's aforementioned audio is included on The Iron Realm with her permission. A thank you for the following recording by AmeAngelofSin: custom audio for The Iron Realm - by AmeAngelofSin I edited tracks for volume, length, pitch and mood. Find AmeAngelofSin online on: Twitter YouTube or email AmeAngelofSin at AMEANGELOFSIN AT GMAIL DOT COM AmeAngelofSin's aforementioned audio is included in accordance with Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/ My thanks as well for all audio featured under the cc0 license on tonight's podcast. The Iron Realm is intended for adult audiences. Listener Discretion is advised. The Iron Realm album art/website art was created from a public domain image/CC0 image from PixaBay. Audio on the podcast, unless otherwise noted, has either been created by the author or has been used in accordance with the Creative Commons Zero license. A new Iron Realm Podcast is released periodically and each is a labor of my love for Solo RPG Gaming. Enjoy and support the show. And fare ye well, Traveler of The Maze, in the light and in the dark. Subscribe to The Iron Realm Podcast!

WILL BE LOOKING AT THE VILLAGES OF: Great Neck, Great Neck Estates, Great Neck Plaza, KensingtonPICTURE: By D. Benjamin Miller - Own work, CC0, https://commons.wikimedia.org/w/index.php?curid=70469001

In this episode, we return to the subject of existential risks, but with a focus on what actions can be taken to eliminate or reduce these risks.Our guest is James Norris, who describes himself on his website as an existential safety advocate. The website lists four primary organizations which he leads: the International AI Governance Alliance, Upgradable, the Center for Existential Safety, and Survival Sanctuaries.Previously, one of James' many successful initiatives was Effective Altruism Global, the international conference series for effective altruists. He also spent some time as the organizer of a kind of sibling organization to London Futurists, namely Bay Area Futurists. He graduated from the University of Texas at Austin with a triple major in psychology, sociology, and philosophy, as well as with minors in too many subjects to mention.Selected follow-ups:James Norris websiteUpgrade your life & legacy - UpgradableThe 7 Habits of Highly Effective People (Stephen Covey)Beneficial AI 2017 - Asilomar conference"...superintelligence in a few thousand days" - Sam Altman blogpostAmara's Law - DevIQThe Probability of Nuclear War (JFK estimate)AI Designs Chemical Weapons - The BatchThe Vulnerable World Hypothesis - Nick BostromWe Need To Build Trustworthy AI Systems To Monitor Other AI: Yoshua BengioInstrumental convergence - WikipediaNeanderthal extinction - WikipediaMatrioshka brain - WikipediaWill there be a 'WW3' before 2050? - Manifold prediction marketExistential Safety Action PledgeAn Urgent Call for Global AI Governance - IAIGA petitionBuild your survival sanctuaryOther people mentioned include:Eliezer Yudkowsky, Roman Yampolskiy, Yan LeCun, Andrew NgMusic: Spike Protein, by Koi Discovery, available under CC0 1.0 Public Domain DeclarationPromoguy Talk PillsAgency in Amsterdam dives into topics like Tech, AI, digital marketing, and more drama...Listen on: Apple Podcasts Spotify Digital Disruption with Geoff Nielson Discover how technology is reshaping our lives and livelihoods.Listen on: Apple Podcasts Spotify

A plumber drove the company truck the wrong way on a busy highway for some time before he realized, panicked, swerved, and flipped the truck. Police believe he was on illegal drugs, although he disputes it. His employer claims equipment damage under their BOP policy. Notable Timestamps [ 00:25 ] - The plumber (the business) is now making a claim under their businessowners policy, BP 00 03 07 13, for the $50,000 worth of plumbing equipment and parts damaged in the accident. [ 01:45 ] - This episode was filmed at the 2025 PLRB Claims Conference in Indianapolis, right in the middle of the Expo hall at the PLRB booth! [ 04:00 ] - The BOP: The hottest dance craze, or finally a policy too large for a pocket? [ 04:40 ] - BOP policies are primarily on-premises forms, but a small amount of coverage exists for Off-Premises Coverage for property in the course of transit or at a premises the insured does not own, lease, or operate. [ 06:24 ] - The highway is probably not a "premises." As for whether a van can be a premises, that might be a topic for a future episode. [ 07:30 ] - The tools were not intended to be removed and left at the job site, so they would likely not be considered in transit. [ 09:30 ] - Dishonest or criminal acts are excluded, and arguably it is not necessary to wait for a criminal conviction to qualify as a "criminal act." [ 12:00 ] - If the driver was under the influence and another car swerved into its lane, one could argue that the accident would have happened anyway. In this case, if the influence of drugs is proven, it likely caused the loss. [ 13:35 ] - The dishonest or criminal acts exclusion does not apply to "acts of destruction." There is no intent here so it's unlikely, but the case law is limited. [ 16:00 ] - Tim provides a recap of the scenario and the points above. Your PLRB Resources Annotation: BP34 - Personal Property Off Premises - https://www.plrb.org/documents/bp34-personal-property-off-premises/?search=%22In%20Transit%22%20coverage%20in%20the%20BP%2000%2003%2007%2013 Coverage Question: In Transit; Stop For Gas Does Not Mean That Money Was Not In Transit At Time Of Loss - https://www.plrb.org/documents/in-transit-stop-for-gas-does-not-mean-that-money-was-not-in-transit-at-time-of-loss-pcq-2022-08-18-jem-b/?search=%22In%20Transit%22%20coverage%20in%20the%20BP%2000%2003%2007%2013 Recorded Webinar: Product Liability Cases Involving Emerging Risks: Vaping/Marijuana/Toxic Torts - https://www.plrb.org/courses/marijuana-cannabis-hemp-drugs/lessons/product-liability-cases-involving-emerging-risks-vaping-marijuana-toxic-torts/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Imagine a volcano that's been snoozing since the Stone Age—thousands of years ago—and now it's waking up! Scientists have recently noticed signs like rumbling earthquakes, steam, or small eruptions from this once-dormant giant. It's a big deal because dormant volcanoes can still erupt with a bang, and people living nearby could be in danger. Experts are keeping a close eye, using cool tools like satellites and sensors, to predict what might happen next. While it's scary, it's also a reminder of how alive and powerful our planet is. Nature doesn't follow a strict schedule, so it's always full of surprises! CreditsCredit: Rainier: by Caleb Riston, CC0 1.0 https://creativecommons.org/publicdomain/zero/1.0/, https://commons.wikimedia.org/wiki/File:Rainier20200906.jpg Mount Adams: by Walter Siegmund, CC BY-SA 3.0 https://creativecommons.org/licenses/by-sa/3.0/, CC BY-SA 2.5 https://creativecommons.org/licenses/by-sa/2.5/, CC BY-SA 2.0 https://creativecommons.org/licenses/by-sa/2.0/, CC BY-SA 1.0 https://creativecommons.org/licenses/by-sa/1.0/, https://commons.wikimedia.org/wiki/File:Mount_Adams_3503s.JPG Eyjafjallajökull Glacier: by Eyjafjallajökull Glacier Volcano, CC BY-SA 2.0 https://creativecommons.org/licenses/by-sa/2.0/, https://commons.wikimedia.org/wiki/File:Eyjafjallaj%C3%B6kull_Glacier_Volcano.jpg Animation is created by Bright Side. ---------------------------------------------------------------------------------------- Music from TheSoul Sound: https://thesoul-sound.com/ Check our Bright Side podcast on Spotify and leave a positive review! https://open.spotify.com/show/0hUkPxD34jRLrMrJux4VxV Subscribe to Bright Side: https://goo.gl/rQTJZz ---------------------------------------------------------------------------------------- Our Social Media: Facebook: https://www.facebook.com/brightside Instagram: https://www.instagram.com/brightside.official TikTok: https://www.tiktok.com/@brightside.official?lang=en Telegram: https://t.me/bright_side_official Stock materials (photos, footages and other): https://www.depositphotos.com https://www.shutterstock.com https://www.eastnews.ru ---------------------------------------------------------------------------------------- For more videos and articles visit: http://www.brightside.me ---------------------------------------------------------------------------------------- This video is made for entertainment purposes. We do not make any warranties about the completeness, safety and reliability. Any action you take upon the information in this video is strictly at your own risk, and we will not be liable for any damages or losses. It is the viewer's responsibility to use judgement, care and precaution if you plan to replicate. Learn more about your ad choices. Visit megaphone.fm/adchoices

Scientists just found something huge — the biggest thing in the entire universe! It's called Quipu, and it's a massive space structure made of galaxy clusters all tied together like a cosmic web.

An adjuster working on a complex property damage claim closes the file, having paid out on the claim. Then they receive a notice that the insured is demanding appraisal. They call up the insured, only to find out that the insured has no idea what's going on. About Our Guest Steven J. Badger, Partner, Zelle LLP sbadger@zellelaw.com https://www.linkedin.com/in/steven-badger-467b0322/ Notable Timestamps [ 00:20 ] - The insured signed a form on a tabet, presented to them by the contractor, without realizing it authorized a later appraisal demand. [ 01:13 ] - Steve shares an anecdote about his appraisal training sessions & debates. [ 02:39 ] - Steve's review of the trends shows that contractor-driven appraisal demands are more common now than they used to be. [ 03:50 ] - Assignment of Benefits would raise other issues and would not be permitted in all states. [ 05:15 ] - The adjuster can begin addressing an appraisal demand by contacting the insured to ask if they are aware of the demand, if the work is complete in their opinion, and the amount they paid. [ 07:22 ] - In the states where Steve practices, the contractor performing the work (and the public adjuster on the claim) cannot also act as the appraiser. [ 08:45 ] - Steve leverages his presence on LinkedIn to call out illegal behavior. [ 10:11 ] - Zelle LLP has drafted an alternative appraisal clause addressing abuses in the appraisal process. Removing the appraisal clause entirely would simply increase litigation. [ 12:37 ] - The goal of appraisal is prompt amicable resolution of disputed claims. [ 13:15 ] - Steve provides a recap of the scenario and the points above. Your PLRB Resources Steve will be presenting at the Texas Hail Claims Conference on February 12-13, 2026 in Dallas. Recorded Webinar: Combatting Common Abuses and Schemes in CAT Claims - https://www.plrb.org/courses/combatting-common-abuses-and-schemes-in-cat-claims/ CE Course: Property Insurance Appraisal - https://www.plrb.org/courses/property-insurance-appraisal/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

A Texas adjuster gets an assignment for a simple hail damage claim. He anticipates having to argue with the roofing contractor, debate whether overhead and profit is owed, deal with the supplementing company, receive an appraisal demand, and finally face a lawsuit.   About Our Guest Steven J. Badger, Partner, Zelle LLP sbadger@zellelaw.com https://www.linkedin.com/in/steven-badger-467b0322/   Notable Timestamps [ 00:20 ] - Because of his years of experience, he knows that the 30 square comp shingle roof should cost about $20,000 to replace. (Amount provided is for reference and example purposes only.) [ 01:10 ] - For 34 years, Steve Badger has represented mostly the commercial property insurance industry, and for the past decade has focused on catastrophe, hail, and wind claims. [ 02:00 ] - Many policies allow the insurance company to replace the roof themselves through preferred contractors. [ 04:15 ] - Having an "preferred contract network" or "managed repair" endorsement can reduce ambiguity as compared to the base policy. [ 05:50 ] - Such endorsements could be optional or mandatory.  [ 07:00 ] - Steve argues that these endorsements can be a win/win/win for the insurer, insured, and contractor. [ 08:20 ] - Steve explores the potential benefits of the endorsement, such as reduced deductibles. [ 09:15 ] - Invoking "our option" means that if-- for example-- the selected contractor floods the house, the insurer could be responsible. However, an endorsement in this style could allow the insured to choose to employ the network. Further, contractors in the network could assume the risk. [ 11:15 ] - Steve discusses industry interest in preventative solutions. [ 13:00 ] - Steve contrasts the contractor who put on the roof asking for a supplement to a separate company focused on supplementation, and shifts focus to the insured's needs. [ 16:10 ] - Steve provides a recap of the scenario and the points above. Your PLRB Resources Steve will be presenting at the Texas Hail Claims Conference on February 12-13, 2026 in Dallas. Recorded Webinar: Combatting Common Abuses and Schemes in CAT Claims - https://www.plrb.org/courses/combatting-common-abuses-and-schemes-in-cat-claims/ CE Course: Roofing Fraud: Don't Get Nailed - https://www.plrb.org/courses/roofing-fraud-dont-get-nailed/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

This month we have local writers Austin Ross and Joey Hedger, both with books out with Malarkey Books. We also have Alan Good, editor of Malarkey Books, who has published a slew of DC writers.  Credits Java Pop by Spires That in the Sunset Rise is licensed under a Attribution-Noncommercial-Share Alike 3.0 United States License.https://freemusicarchive.org/music/Spires_That_in_the_Sunset_Rise/Curse_the_Traced_Bird/Java_Pop/ Washington, DC by The Nighttime Adventure Society is licensed under a Attribution-NonCommercial-ShareAlike 3.0 International License.https://freemusicarchive.org/music/The_Nighttime_Adventure_Society/Chapter_One_The_First_Chapter/The_Nighttime_Adventure_Society_-_Chapter_One-_The_First_Chapter_-_01_Washington_DC/ Always Faithful by Ketsa is licensed under a Attribution 4.0 International License.https://freemusicarchive.org/music/Ketsa/cc-by-free-to-use-for-anything/always-faithful/ Bantu by Sneaky Club is licensed under a Attribution-NonCommercial 4.0 International License.https://freemusicarchive.org/music/sneaky-club/single/bantu/ Cellar Door by HoliznaCC0 is licensed under a CC0 1.0 Universal License.https://freemusicarchive.org/music/holiznacc0/lo-fi-and-chill/cellar-door/ zate it with a spork by Uncle Milk is licensed under a CC0 1.0 Universal License.https://freemusicarchive.org/music/microSong_Challenge/2015021275957958/zate_it_with_a_spork_1516/ Re-Function! by junior85 is licensed under a CC0 1.0 Universal License.https://freemusicarchive.org/music/microSong_Challenge/2015021275957958/junior85_-_08_-_Re-Function/ CHASIN' IT by Jason Shaw is licensed under a Attribution 3.0 United States License.https://freemusicarchive.org/music/Jason_Shaw/Audionautix_Acoustic/CHASIN_IT_________________________1-14/ BACK TO THE WOODS by Jason Shaw is licensed under a Attribution 3.0 United States License.https://freemusicarchive.org/music/Jason_Shaw/Audionautix_Acoustic/BACK_TO_THE_WOODS____1-03/ SOLO ACOUSTIC GUITAR by Jason Shaw is licensed under a Attribution 3.0 United States License.https://freemusicarchive.org/music/Jason_Shaw/Audionautix_Acoustic/SOLO_ACOUSTIC_GUITAR_3-11/ 

There's a secret investor who's actually building a real underwater city right now. Yep, like something straight out of a sci-fi movie! The plan is to create a livable place deep under the ocean, with air, power, and even fancy tech to make it feel like home. Not much is known about who's funding it, but it's supposed to be super high-tech and eco-friendly. Scientists are both excited and nervous, since living underwater could mess with marine life if it's not done carefully. Still, if it works, this could be the start of humans living in the ocean one day! Credit: Cousteau1972: By Hans Peters for Anefo, CC0 1.0, https://creativecommons.org/publicdom... , https://commons.wikimedia.org/wiki/Fi... Animation is created by Bright Side. ---------------------------------------------------------------------------------------- Music from TheSoul Sound: https://thesoul-sound.com/ Check our Bright Side podcast on Spotify and leave a positive review! https://open.spotify.com/show/0hUkPxD... Subscribe to Bright Side: https://goo.gl/rQTJZz ---------------------------------------------------------------------------------------- Our Social Media: Facebook:   / brightplanet   Instagram:   / brightside.official   TikTok: https://www.tiktok.com/@brightside.of... Stock materials (photos, footages and other): https://www.depositphotos.com https://www.shutterstock.com https://www.eastnews.ru ---------------------------------------------------------------------------------------- For more videos and articles visit: http://www.brightside.me ---------------------------------------------------------------------------------------- This video is made for entertainment purposes. We do not make any warranties about the completeness, safety and reliability. Any action you take upon the information in this video is strictly at your own risk, and we will not be liable for any damages or losses. It is the viewer's responsibility to use judgement, care and precaution if you plan to replicate. Learn more about your ad choices. Visit megaphone.fm/adchoices

Let's say you're a service provider in the insurance industry. You've been attending PLRB Conferences for a few years, and you're thinking about taking the next step to increase exposure and build relationships with the right people in the industry.    Notable Timestamps [ 01:20 ] - Exhibiting and sponsoring at the PLRB Claims Conference can be an impactful option, and PLRB has a variety of offerings to help each service provider reach their goals. [ 01:50 ] - For our trivia question today, last year at the Claims Conference we had over 3000 attendees, and over 950 of those were insurance company staff. Of those, how many do you think were senior staff? [ 04:05 ] - The Insurance Services Expo includes a wide variety of exhibitors and sponsors, from traditional segments like independent adjusting and forensics to technology services like claims management software and AI solutions to other ancilliary services. [ 05:22 ] - Among other benefits, exhibiting and sponsorship can provide visibility, stature, and credibility as service providers build strong relationships in the industry. [ 06:30 ] - A variety of sponsorship opportunities are available to fit the needs of different service providers, from physical branding to digital signage to booth services. [ 07:50 ] - Service providers take full advantage of the benefits of the conference by attending educational sessions, doing their own entertaining, and making connections in the Expo. [ 08:37 ] - Unique opportunities like Wifi sponsorship and keycard sponsorship provide novel avenues to make connections with attendees. [ 09:15 ] - Return On Investment is a top concern for many service providers, and building relationships over time at the PLRB Claims Conference is often a fruitful experience for those who make the investment. [ 10:28 ] - The 2025 Claims Conference in Indianapolis provided plenty of space for conferencegoers to make connections. [ 11:50 ] - Many new offerings are anticipated, including-- as a show notes sneak peek-- creative services like social media templates and press releases. [ 13:30 ] - Tom provides a recap of the scenario and the points above. Your PLRB Resources Email sponsorship@plrb.org Contact Tom O'Dowd at todowd@plrb.org Prospective Sponsors: https://web.cvent.com/event/aa96efc9-539f-4558-bb0b-c31895d0abbf/websitePage:f7750b7c-c5d4-47e9-b3ba-24b0f244d6c8 Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Wasteland listeners, please enjoy this interview with Liam Fleming, author of the new weird fiction anthology Flytrap and Other Stories. Liam channels everything from H.P. Lovecraft to David Lynch in his writing, and we talk a variety of topics  ranging from books, his inspiration, urban legends and folklore, true crime, and more. Liam's debut is available for pre-order at the link below.Pre-Order Flytrap here.Wasteland will return in 2026.All non-original music in this episode was obtained from freemusicarchive.org, licensed under CC0 1.0 Universal Public Domain Dedication.Artists featured in this episode: Demoiselle Doner, John Bartmann, Loyalty Freak Music, Monplaisir, Rafael Archangel, Soft and Furious, and Ava Drumm,Follow me @wastelandpod on Instagram.Check out my other podcast, I Don't Wanna Hear It, wherever you get your podcasts.

You won't believe what they just discovered under the Great Pyramid!

In the middle of the night, a burglar broke into the policyholder's house. Nearby police arrived, and the suspect was apprehended. Debbie filed a claim for the police's bullet holes in her house and cleanup of heating oil spilled when a bullet hit the tank.   Notable Timestamps [ 00:15 ] - The bullet holes were all from police guns. 150 gallons of heating oil spilled in the basement. [ 01:40 ] - Heating oil tanks are most commonly found in what region of the United States? [ 03:30 ] - Tim reads through the Pollutants exclusion. Heating oil is most likely going to be considered a pollutant. [ 04:45 ] - When pollutants are released, it's usually caused by something else. This policy narrows down the analysis by listing the perils covered in Coverage C. [ 05:55 ] - Let's run through the Coverage C perils... how about explosion? There was a trial-level court case from Pennsylvania in the '90s that held a gunshot could be considered an explosion for the named peril. [ 07:55 ] - "Riot and civil commotion" probably envisions multiple people, or at least a larger area. [ 09:00 ] - Is it finally time for malicious mischief? No, it was the bullets from the police, and they were not causing the mischief. [ 09:30 ] - The peril for theft includes attempted theft, so this peril is a possibility. [ 10:45 ] - "Sudden and accidental tearing apart, cracking, burning or bulging of a steam or hot water heating system"... was the heating oil tank part of the hot water heating system for the home? [ 12:00 ] - Volcanic eruption? Probably not, but it is valuable to step through the policy to look for coverage. [ 13:13 ] - The governmental action exclusion applies to the destruction of covered property by order or governmental or public authority. [ 14:00 ] - "Order" usually means a search warrant, or something more formal than what occurred in this scenario. [ 14:45 ] - If the police officer's conduct exceeds the scope of the warrant, that may fall outside of the exclusion as well. [ 16:15 ] - Tim provides a recap of the scenario and the points above. Your PLRB Resources Coverage Question: Governmental Action Exclusion – Raid Pursuant to Warrant - https://www.plrb.org/documents/governmental-action-exclusion-raid-pursuant-to-warrant-pcq-2023-04-30-twh-a/?search=governmental%20action Coverage Question: Governmental Action or Civil Authority Exclusions Not Applicable Where Damage from Apprehending Suspect - https://www.plrb.org/documents/governmental-action-or-civil-authority-exclusions-not-applicable-where-damage-from-apprehending-suspect-pcq-2020-08-18-eks-a/?search=governmental%20action Annotation: Pollutants; Smoke from Industrial Operations (HO131) - https://www.plrb.org/documents/pollutants-smoke-from-industrial-operations-ho131/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Summary: The first memory of Fighter Solus in the halls and caverns of The Iron Realm. Of Special Note: Part 1 of a NEW Character Eight mini-series: The Choice. Download Chapter 142: The Origin of Solus Download All Future Episodes & Bonus Episodes --HERE-- The fiction of John Merle Holes is read for you, with his permission, on Travellers of the Maze. Follow John on Twitter A shout-out to Anuj for awarding The Iron Realm a top spot on Feedspot's Dark Fantasy Podcast spotlight. Be sure to check it out for ourself: Top 15 Solo RPG Podcasts My thanks as well for all audio featured under the cc0 license on tonight's podcast. The Iron Realm is intended for adult audiences. Listener Discretion is advised. The Iron Realm album art/website art was created from a public domain image/CC0 image from PixaBay. Audio on the podcast, unless otherwise noted, has either been created by the author or has been used in accordance with the Creative Commons Zero license. A new Iron Realm Podcast is released periodically and each is a labor of my love for Solo RPG Gaming. Enjoy and support the show. And fare ye well, Traveler of The Maze, in the light and in the dark. Subscribe to The Iron Realm Podcast!

Imagine a volcano so powerful that it screamed before it exploded!

Have you ever noticed that the same strange symbol—a handbag or bucket—keeps showing up in ancient carvings all over the world? From the Göbekli Tepe pillars in Turkey to Assyrian stone reliefs in Iraq and even Olmec artifacts in Mesoamerica, this mysterious shape appears in civilizations that never met. That's pretty weird, right? Some believe it could represent divine knowledge, a ritual tool, or even something otherworldly. But how did people across different continents, thousands of years apart, all come up with the same thing? Could it be a lost connection between ancient cultures—or maybe even a warning about time itself? Whatever the answer, this mystery keeps archaeologists and history lovers scratching their heads! Credit: MartianXAshATwelve / Reddit Comet ISON vs. the Solar Storm: by Dr. Tony Phillips, Science@NASA, https://science.nasa.gov/science-rese... CC0 1.0 https://creativecommons.org/publicdom... Bastet: by Eternal Space, https://commons.wikimedia.org/wiki/Fi... Akvarel Gobeklitepe: by Н.Д. Абрагамович, https://commons.wikimedia.org/wiki/Fi... CC BY-SA 3.0 https://creativecommons.org/licenses/... Göbekli Tepe: by Teomancimit, https://commons.wikimedia.org/wiki/Fi... Coral Castle Walk: by Barry haynes, https://commons.wikimedia.org/wiki/Fi... Göbekli Tepe: by Guérin Nicolas, https://commons.wikimedia.org/wiki/Fi... Graham-Hancock: by [Cpt.Muji], https://commons.wikimedia.org/wiki/Fi... CC BY-SA 4.0 https://creativecommons.org/licenses/... Apkallu: by Osama Shukir Muhammed Amin FRCP(Glasg), https://commons.wikimedia.org/wiki/Fi... Apkallu: by Osama Shukir Muhammed Amin FRCP(Glasg), https://commons.wikimedia.org/wiki/Fi... Göbeklitepe Building: by Dosseman, https://commons.wikimedia.org/wiki/Fi... Gobekli Tepe: by rmark, https://skfb.ly/6QVpu Sand Dunes: by Helindu, https://skfb.ly/o9syE B Movie UFO: by NE14ABJ, https://skfb.ly/6WVpT Karahan Tepe: by 333DDD, https://skfb.ly/o8FAY site of Göbekli Tepe: by Dietrich L, Meister J, Dietrich O, Notroff J, Kiep J, Heeb J, et al. (2019) Cereal processing at Early Neolithic Göbekli Tepe, southeastern Turkey., CC BY 2.5 https://creativecommons.org/licenses/..., CC BY 4.0 https://creativecommons.org/licenses/..., https://commons.wikimedia.org/wiki/Fi..., https://journals.plos.org/plosone/art..., Animation is created by Bright Side. #brightside ---------------------------------------------------------------------------------------- Music from TheSoul Sound: https://thesoul-sound.com/ Listen to Bright Side on: Spotify - https://open.spotify.com/show/0hUkPxD... Apple Podcast - https://podcasts.apple.com/podcast/id... ---------------------------------------------------------------------------------------- Our Social Media: Facebook -   / brightside   Instagram -   / brightside.official   Tik Tok - https://www.tiktok.com/@brightside.of... Snapchat -   / 1866144599336960   Stock materials (photos, footages and other): https://www.depositphotos.com https://www.shutterstock.com https://www.eastnews.ru ---------------------------------------------------------------------------------------- For more videos and articles visit: http://www.brightside.me Learn more about your ad choices. Visit megaphone.fm/adchoices

Joining us next week? Enjoy this replay of our recent episode on the Claims Conference.   A supervisor is leading a small but mighty teams of adjusters, and they're taking their team to Indianapolis this spring for the 2025 PLRB Claims Conference. The only problem? They've never been before and have no idea where to start.   Notable Timestamps [ 00:15 ] - One more salute to our once and future host, Alissha Watley. [ 00:40 ] - Our team of claims professionals is headed to Indiana Convention Center in Indianapolis, IN for the 2025 PLRB Claims Conference, held on March 31 to April 2. [ 01:50 ] - The team reminisces about past conferences and tornado alarms. [ 02:40 ] - Stop by the registration desk to get your badge. If you're in town on Sunday, check out the Orientation for First-Time Attendees, and then the Claims Conference Welcome Reception. [ 04:17 ] - On Monday morning, kick off with the general session "The Power of Uncertainty" by Renee Bruns of Renee Bruns Coaching & Consulting, LLC. [ 04:40 ] - The Insurance Services Expo is a great place to connect with new products and service providers. [ 05:11 ] - PLRB will be hosting a booth at the Claims Conference, featuring lightning talks from PLRB staff and guests. [ 07:30 ] - Select from over 100 educational sessions to choose from, across 14 educational tracks. Get your CE Credits and the training you need to succeed. [ 10:30 ] - Lunchtime! The lunch hour is a great chance to check out the Expo hall and build connections. Who said there's no such thing as a free lunch? [ 11:36 ] - On Tuesday, check out PLRB Presents for short impactful talks; Future of Insurance for a thought leadership panel hosted by PLRB CEO Bryan Falchuk; and the Women's Walk coordinated by Girls Give Back. [ 13:00 ] - On Wednesday, stick around for a Backyard BBQ Luncheon. [ 14:16 ] - Register at PLRB.org under the Events tab. [ 15:05 ] - Mike provides a recap of the scenario and the points above. Your PLRB Resources Visit plrbclaimsconference.org or download the PLRB app to register, find a hotel, sign up for your sessions, and more. Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Our guest in this episode, Ramez Naam, is described on his website as “climate tech investor, clean energy advocate, and award-winning author”. But that hardly starts to convey the range of deep knowledge that Ramez brings to a wide variety of fields. It was his 2013 book, “The Infinite Resource: The Power of Ideas on a Finite Planet”, that first alerted David to the breadth of scope of his insight about future possibilities – both good possibilities and bad possibilities. He still vividly remembers its opening words, quoting Charles Dickens from “The Tale of Two Cities”:Quote: “‘It was the best of times; it was the worst of times' – the opening line of Charles Dickens's 1859 masterpiece applies equally well to our present era. We live in unprecedented wealth and comfort, with capabilities undreamt of in previous ages. We live in a world facing unprecedented global risks—risks to our continued prosperity, to our survival, and to the health of our planet itself. We might think of our current situation as ‘A Tale of Two Earths'.” End quote.12 years after the publication of “The Infinite Resource”, it seems that the Earth has become even better, but also even worse. Where does this leave the power of ideas? Or do we need more than ideas, as ominous storm clouds continue to gather on the horizon?Selected follow-ups:Ramez Naam - personal websiteThe Infinite Resource: The Power of Ideas on a Finite PlanetThe Nexus Trilogy (Nexus Crux Apex)Jesse Jenkins (Princeton)Six Degrees: Our Future on a Hotter Planet - book by Mark Lynas1991 eruption of Mount Pinatubo - WikipediaWe cool Earth, with reflective clouds - Make SunsetsDirect Air Capture (DAC) - WikipediaFrontier: An advance market commitment to accelerate carbon removalToward a Responsible Solar Geoengineering Research Program - by David KeithSouth Korea scales down plans for nuclear powerMicrosoft chooses infamous nuclear site for AI powerMachines of Loving Grace: How AI Could Transform the World for the Better - Essay by Dario AmodeiMusic: Spike Protein, by Koi Discovery, available under CC0 1.0 Public Domain DeclarationPromoguy Talk PillsAgency in Amsterdam dives into topics like Tech, AI, digital marketing, and more drama...Listen on: Apple Podcasts Spotify

 In this episode, Steve Fouts Fouts and returning guest Jarvis Funches explore an Ernest Hemingway quote: “The best way to find out if you can trust somebody is to trust them.” They unpack the complexities of trust, particularly in the context of relationships, discussing how trust is often given unconsciously and the impact of past experiences on one's ability to trust again. They dive into the counterclaim and essential question, stating that it is sometimes good for a person to have a criteria they use to determine who to trust. Image source: Anefo, CC0, via Wikimedia Commons https://upload.wikimedia.org/wikipedia/commons/c/ca/Ernest_Hemingway_%2C_auteur%2C_kop%2C_Bestanddeelnr_924-0503.jpg 

Homeowner Lisa claims she was asleep when she woke up to smoke alarms blaring. She safely evacuated her home, but the fire destroyed her garage and spread to part of her home. The adjuster requests that Alex determine the fire's cause.   Notable Timestamps [ 00:15 ] - The scenario outlines a garage fire claim and a need to investigate the cause of the fire. [ 01:00 ] - When investigating a fire claim, is it origin and cause or cause and origin? Why? [ 03:00 ] - NFPA 921 provides standards for fire investigators conducting origin and cause investigations. [ 03:50 ] - Ring doorbell cameras or security footage is one source of origin and cause information. Footage may be automatically deleted, or the camera owner may refuse to cooperate. [ 05:55 ] - The team discusses raccoons, dogs, and bike bandits caught by Ring cameras. [ 08:15 ] - Garage fires can be hard to investigate because they often contain a large number of items and are often disorganized. These fires can burn quickly leaving little intact. [ 11:05 ] - Neighborhood watch apps like "Citizen" can establish suspicious activity at the time of the loss. In this scenario, this leads to eyewitness reports about the cause of the fire. [ 13:15 ] - Canvassing the neighborhood can help provide information, and experts can help investigate via forensic methods. [ 14:10 ] - The insurance company determines that Lisa's policy covers the fire damage, but liability may extend to the guests who knocked over the battery charger. [ 14:35 ] - Tonda provides a recap of the scenario and the points above. Your PLRB Resources CE Course: Adjusting 21st Fire and Explosion Claims: Investigative Tools and Techniques - https://www.plrb.org/courses/adjustingfireclaims/ CE Course: Investigating and Resolving Different Types of Wildfire Losses - https://www.plrb.org/courses/investigating-and-resolving-different-types-of-wildfire-losses/ Wildfires Map (includes recent historical wildfires) - https://www.plrb.org/wildfires/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Homeowner Jane Thompson lived 20 miles from the large Badone wildfire. One week after the fire department fully contained the wildfire, Jane called Evergreen Mutual and reported a strong smoke odor throughout her home.    Notable Timestamps [ 00:20 ] - Jane also noticed discoloration on her walls and soot on her furniture. Jane was understandably concerned about her family's health and potential long-term damage to her home and personal property. [ 01:10 ] - Can you name at least four of the major wildfires that have occurred in the US since 2016? [ 03:25 ] - The adjuster might focus on the HVAC system, walls, and attic as these are the most likely to show signs of smoke infiltration and fire-related damage: smoke and soot can get pulled into the HVAC system; porous materials like drywall can absorb smoke; attics often have exposed insulation, which can easily trap soot and smoke particles. [ 05:25 ] - A wipe test can reveal a layer of soot in areas not typically exposed to household pollutants, like inside closed cabinets. [ 06:34 ] - Documentation and photographs are essential to fire and smoke investigation and claims. [ 07:50 ] - Weather and fire reports can trace the wildfire's smoke plume trajectory.  [ 08:20 ] - NOAA can provide satellite imagery and local air quality index reports on the applicable area. [ 09:20 ] - PLRB.org's Weather / CATs hub provides weather data and analysis, including wildfire bulletins and address searches. [ 10:33 ] - Public cellphone location data can corroborate the timeline of smoke exposure, e.g. a spike in wildfire evacuation alerts and reduced activity in the area. [ 11:30 ] - Industrial hygenists can perform environmental testing that can detect char and ash particles consistent with materials burned in the nearby wildfire. [ 12:02 ] - Tonda provides a recap of the scenario and the points above. Your PLRB Resources CE Course: Adjusting 21st Century Fire and Explosion Claims: Investigative Tools and Techniques - https://www.plrb.org/courses/adjustingfireclaims/ CE Course: Investigating and Resolving Different Types of Wildfire Losses - https://www.plrb.org/courses/investigating-and-resolving-different-types-of-wildfire-losses/ Wildfires Map (includes recent historical wildfires) - https://www.plrb.org/wildfires/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

This show has been flagged as Clean by the host. In here: 1- Carrying weight more safely - When picking up weight in front of your body, embrace the core (tighten the abdomen); - it gives you more stability, so you are more capable to do the task. 2- Microphone types a) by connection i) USB: connects directly to the computer, in the universal serial bus port. Plug and use! ii) XLR: needs a USB audio interface , with XLR input, to connect to the computer. There are more options of microphones and, if you can spend on an interface, quality is generally better. XLR connectors: female (left) and male. ( Image by Michael Piotrowski / Wikimedia Commons – CC BY-SA 3.0 .) b) by diaphragm i) condenser: captures the voice in more detail, with deeper bass, more detailed treble… Most of the USB microphones uses this technology. As a disadvantage, they catch even minimal sound details of the environment, vibrating with little sound waves around, even distant. That's why you might get as recording result the clear details of noise from the street, or reverberation (echo) of an untreated room if you use it without the best environment. (If it's ok for you even in these situations, it's a merit of other factors, not a merit of the condenser diaphragm) . Usage : A favorite of singers in studio, among several other applications. As you can see on videos of professionals singing, one don't talk on top of it (which might produce a low and undesired muffled sound) but on the side — and on the correct side, because most models of microphones have a cardioid pollar pattern. A side-adress microphone (captures the sound from one specific side), condenser-type. (Image by Arthur Fox / https://mynewmicrophone.com/diaphragm.) ii) dynamic: responds to the audio source (voice, instrument) very close to the diaphragm, do not capture sound more than some centimeters (or some inches) away. It's the best for amateur use, or in a room without acoustic treatment. Usage : Musicians performing live use dynamic microphones so the instruments (and crowd) around don't get their sound amplified by this artist's microphone. Radios prefer dynamic mics, because it goes to a more impactful voice, rejects eventual sounds from noisy mixers or keyboards nearby that the radio host might be operating. A top-adress microphone (captures the sound from the top), dynamic-type. (Image by Arthur Fox / https://mynewmicrophone.com/diaphragm.) The RE20 from Electro-Voice (not the photo above) is a favorite of radio stations, in part for being dynamic, in part for reducing the proximity effect (that is, the sound “exploding” when the source gets too near to the capsule) because of its technology, named Variable-D. A word about captation pattern (no, the name is polar pattern): it says about the directional response. For example, some are omnidirectional (captures sound equally from all the sides); most of them are cardioid, capturing the sound coming from the front (the speaker, the instrument directed to it), but rejects sound from the rear. 3- Microsoft Word (or Libreoffice Writer) “templates” - So, you do use templates for text archives, to facilitate the doing of commonly used documents. To know what to change, you highlight in yellow, right? Or do you put the text in red? - Well, my recommendation is to use, instead, * or {} : asterisk, curly brackets or any other symbol that you can type easily and not use as text in any document. . So you can easily find what is the part you have to change or write, and only delete the * when you do that part. At the end, you can check if there is any * remaining, if not, the document is ready. - So, isnt' it the same with colors, to indicate what to change in the document? . No. For formatting you need to use your vision (and may lose something) and have to remove the formatting manually. It's possible to use the Find tool, but not as easily as finding a character. To illustrate: print of an official document template for the bidding process for information and communication technology services. (Author: Brazil, Advocacia-Geral da União. Modelos da Lei 14.133/21 para bens e serviços de TIC. Link: https://www.gov.br/agu/pt-br/composicao/cgu/cgu/modelos/licitacoesecontratos/14133/bens-e-servicos-de-tic). Changes to be made were marked in red and italics, but brackets [] and “XXXX” were used also. - Ah: . there are forms, real templates you can use, but, hey, if you're part of the 90% that saves “templates” in the common format (.docx, .odt) and does not use the very special tools for the template kind of document, knowing and using some tips like this is ok and is satisfying. - Not on templates, but in editing, I have worked on the revision of books using this, to know where to come back later to check, or where I have stopped on some day, with good result. Extra: give a look on the comment options, they are easy to use and practical, see if you adapt with it for your necessities. 4- A recooording tip - Always record at least 3 seconds, totally quiet, before starting the show (that is, before talking). This “silence” is the room tone, which you may use: . as adequate silence in the editing proccess (in place of a cut part), or . you may take it for noise reduction profile IF needed, or . which you can only delete in the end if you don't find what to do with it. - Recording knowledge number 2 and final: save an uncompressed version of the raw of your recording, and keep it intact. Work on copies, keep the original saved as .wav (or, if prefered, .flac). 5- Permissions for apps Be careful with free apps. Don't install any and everything. See their permissions. - Ads? Why more things being offered to you, trying to give insatisfaction? If there is an option without ads, you may prefer. . Also, the ad system of some apps uses more battery (downloading different ads, sending more information of you to personalize ads, using the notification system, meaning running in the background). - In-app purchases: with it, you'll get angry with an app, because it's not free to do what you thought it would do when you installed. And it may use recurring payments, pay for each feature, and worst, you don't know beforehand. If it's to pay, prefer the ones you buy (once) in the download and has no in-app purchases. - With apps in that you input your data (like e2ee, or “e2ee” communicating, or browsers): see permissions, what data they keep and share, or at least choose open source and well-renowed developers. - Please don't download any app that promises performance enhancement. The system (Android or iOS) is already optimized for what it is, third party apps can do little or, most commonly, nothing, and is more space and features loading your system. . Want speed? Delete the apps that are not absolutely necessary (I'm talking to you, solitaire game with access to internet and that notifies you to play from time to time), or disable notifications of every app and put them to deep sleep (so they don't run in background, only when you open them). - So much said, let's take it in one sentence: install only what needed, and see permissions and ads before choosing. 6- Mobile phone battery - You use your phone all day and still have more than 20% of battery? Or recharges 2 times a day? (or 3!) - If it's the last option, and your phone is less than 3 years old and you never use uncertified chargers, you can try to have a worry-free all-day phone usage doing what said before: disabling apps that run in the background (uninstall, or put to deep sleep). It's a one by one process, but once for all. . If it's this way because of intense use, nothing to do; enjoy your product! ✶ Final word We did not enter on details: no explanations or reasons abounding, no. We didn't even go to number 7 , which would be perfection ; because I have not a seventh good idea. Only the bits of what I think I know & that I value as precious. A hug! bye! Credits: sound used (author – sound) luvvoice.com , English (Nigeria), Abeo (Male) voice – tts “20 minutes show”. luvvoice.com , English (UK), Ryan (Male) voice – tts on the paragraph about polar pattern of microphones. Crab_Audio / Pixabay – My Style [Transitions] freesound_community / Pixabay – Dictaphone . Robinhood76 / Freesound.org – 01893 do it again spell (CC-BY-NC 4.0). attic13 / Pixabay – calm background piano [beautiful, thank you; I hope the simple use here honors your work, friend]. SieuAmThanh / Freesound.org – RớtĐônHổ [angry expression] (CC0 1.0). patchen / Freesound.org – Beautiful 85 (CC BY 4.0). Provide feedback on this episode.

Join as Margaret Roberts Drucker returns with another scary story, Chris makes a soothing song for these troubling times,  and Ivy Grimes reads her piece about someone swallowing a glass piano. CreditsRe-Function! by junior85 is licensed under a CC0 1.0 Universal License.Life's Small Pleasures by Christopher Stevenson:DC Metro - Interior 1 by crashoveride6 is licensed under CC0https://freesound.org/people/crashoverride6/sounds/219233/Baby Girl 1 year old - Coos, Gurgles, Drops Toys by Sauron974 is licensed under CC0https://freesound.org/people/Sauron974/sounds/244237/Soothing Serenade by Universfield is licensed under Attribution 4.0https://freesound.org/people/Universfield/sounds/719269/Mockingbird by AlucardsBride is licensed under CC0https://freesound.org/people/AlucardsBride/sounds/179928/Goog rain and thunder by Soundman9826 is licended under CC0https://freesound.org/people/soundman9826/sounds/193331/Kingston NY late summer midnight crickets - some mic and freeway noise from middle.wav by samwd is licensed under CC0https://freesound.org/people/samwd/sounds/402734/Brazilian_Waterfall_River .wav by SuperStudioBR is licensed under Attribution 4.0https://freesound.org/people/SuperStudioBR/sounds/669180/Jamesport Wind Chimes.wav by acclivity is licensed under Attribution 4.0 NonCommercial https://freesound.org/people/acclivity/sounds/30606/Improvisation on Lydian Scale - Saxophone (2) by emirdemiral is licensed under Attribution 4.0 https://freesound.org/people/emirdemirel/sounds/424911/Tokyo - Drum Circle in Yoyogi Park by Manuke is licensed under CCOhttps://freesound.org/people/manuke/sounds/315885/ Dark Ambient Music (Death And Forever) by TheBoseDeityis licensed under the Attribution NonCommercial 3.0 License.https://freesound.org/people/TheBoseDeity/sounds/395691/Flower Dance by Serge Quadrado is licensed under a Attribution-NonCommercial 4.0 International License.Hoba by JAYUS JAZZ is licensed under a Attribution-Noncommercial-Share Alike 3.0 United States License.Java Pop by Spires That in the Sunset Rise is licensed under a Attribution-Noncommercial-Share Alike 3.0 United States License.https://freemusicarchive.org/music/Spires_That_in_the_Sunset_Rise/Curse_the_Traced_Bird/Java_Pop/Washington, DC by The Nighttime Adventure Society is licensed under a Attribution-NonCommercial-ShareAlike 3.0 International License.https://freemusicarchive.org/music/The_Nighttime_Adventure_Society/Chapter_One_The_First_Chapter/The_Nighttime_Adventure_Society_-_Chapter_One-_The_First_Chapter_-_01_Washington_DC/

Just before purchasing a policy, the insured subcontractor says “I need to provide something called a ‘Certificate of Insurance' to my general contractor,” and add them as an additional insured. What issues does this create from an underwriting or claims perspective?   Notable Timestamps [ 00:15 ] - The adjuster is giving him the Coverage A limits to rebuild the house. But he is also making a claim for Fair Rental Value (Coverage D). ISO HO 00 03 05 11. Is there coverage? [ 01:07 ] - The team diagrams the parties. [ 01:43 ] - Employees, officers, and directors generally qualify as insureds while acting within the scope of their authority. [ 03:36 ] - Endorsements may limit coverage for the additional insured to claims for vicarious liability of the named insured. [ 04:35 ] - First, we must examine whether the insurer owes the additional insured a duty of defense and indemnification under the liability policy. The prime contractor is an insured for purposes of this analysis. [ 06:00 ] - Second, we examine whether the prime contractor's tender of the defense under the indemnification provisions of the subcontract constitutes a covered claim against the named insured under the liability policy. The prime contractor is a claimant for purposes of this analysis. [ 07:55 ] - Certificates of Insurance typically include the name of insured, the policy dates, the policy identification number, the coverage type, and limits. [ 08:35 ] - What happens when the Certificate and the policy come into conflict? [ 10:35 ] - Certificates of Insurance usually state: “THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES." [ 11:17 ] - Let's say the endorsement making the Certificate-holder an additional insured was accidentally omitted from the policy. Case law is inconsistent, but the Certificate's disclaimer is often upheld.  [ 12:41 ] - Let's say the agent made representations on the policy. This would raise issues of actual authority (less likely) and apparent authority (possible).  [ 14:53 ] - Brennan provides a recap of the scenario and the points above. Your PLRB Resources CE Course: Underwriting Issues in Insurance Claims - https://www.plrb.org/courses/underwriting-issues-in-insurance-claims/ Handout: https://www.plrb.org/wp-content/uploads/2024/10/UnderwritingIssues-Scenarios.pdf Coverage Question: Is a General Contractor Entitled to a Defense Based Solely on a Certificate of Insurance? - https://www.plrb.org/documents/is-a-general-contractor-entitled-to-a-defense-based-solely-on-a-certificate-of-insurance-2005-06-21/ Related Case Law: Mingji Ave4 Realty, LLC v. Colony Ins. Co. (2024) - https://www.plrb.org/documents/mingji-ave4-realty-llc-v-colony-ins-co-2024 Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Do you think Russia would have dared to attack Ukraine when Ukraine had the third largest nuclear arsenal? And why is there a picture of President Zelensky hanging on the side of an overpass in Tehran, Iran? And no, this episode is neither about Ukraine nor about Iran. This is my take about America and American assurances.

The insured signed up for a “retrospective rating plan.” Under this plan, the insured promised to reimburse Unforgettable for its paid losses. The insurance company discovered invoices left unsent due to a computer programming error.   Notable Timestamps [ 00:15 ] - Total Surprise Transportation promised to reimburse Unforgettable Insurance for its paid losses, including "Allocated Loss Adjustment Expenses." [ 01:25 ] - Tim asks for his paycheck to be decreased, and Brennan gets paid to buy a workbench. [ 02:43 ] - Usually premiums are calculated based on industry knowledge and similar businesses. Under a retrospective rating plan, an initial premium is assessed, then adjusted based on the insured's actual losses. [ 03:55 ] - “Allocated Loss Adjustment Expenses” or ALAE are the costs associated with specific claims, and the “Unallocated Loss Adjustment Expenses” refer to more general overhead that goes into running the claims department. [ 05:09 ] - These plans allow the insured to hang onto their cash right up until the claim settles, rather than spending their reserves throughout the process. [ 05:58 ] - To successfully invoke laches, a defendant must prove the plaintiff delayed filing suit an unreasonable and inexcusable length of time from the time the plaintiff knew or reasonably should have known of its claim against the defendant; and (2) the delay resulted in material (financial) prejudice or injury to the defendant. [ 08:50 ] - Equitable estoppel prevents one party who has made certain representations from taking unfair advantage of another when the party making the representations changes its position to the prejudice of the party who relied upon the representations. [ 10:24 ] - Under the clean hands doctrine, a court sitting in equity will not provide shelter or aid to a party who seeks the benefit of their own wrongdoing. The doctrine generally does not apply to law actions like a breach of contract claim. [ 11:33 ] - Who really has clean hands here? What would the impact be on the insured's financial situation? The team discusses fairness in this context.  [ 12:52 ] - Brennan provides a recap of the scenario and the points above. Your PLRB Resources CE Course: Underwriting Issues in Insurance Claims - https://www.plrb.org/courses/underwriting-issues-in-insurance-claims/ Handout: https://www.plrb.org/wp-content/uploads/2024/10/UnderwritingIssues-Scenarios.pdf Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Summary: Twyla, the Unicorn Girl, relays her first memories of childhood. Of Special Note: A listener review is gladly given regarding Chapter 141 on tonight's Travellers of the Maze. Download Chapter 141: Ever Wider, The Circle Download All Future Episodes & Bonus Episodes --HERE-- The following music for The Iron Realm Podcast was contributed to The Iron Realm by Max at Coltrin Compositions: Serenity Lost I edited tracks for volume, length, pitch, and mood. A thank you for the following recording by Thimblerig: Custom Audio created for The Iron Realm I edited tracks for volume, length, pitch, and mood. Find Thimblerig online: Click here to visit her FreeSound page Thimblerig's aforementioned audio is included on The Iron Realm with her permission. My thanks as well for all audio featured under the cc0 license on tonight's podcast. The Iron Realm is intended for adult audiences. Listener Discretion is advised. The Iron Realm album art/website art was created from a public domain image/CC0 image from PixaBay. Audio on the podcast, unless otherwise noted, has either been created by the author or has been used in accordance with the Creative Commons Zero license. A new Iron Realm Podcast is released periodically and each is a labor of my love for Solo RPG Gaming. Enjoy and support the show. And fare ye well, Traveler of The Maze, in the light and in the dark. Subscribe to The Iron Realm Podcast!

In this episode, our guest is Rebecca Finlay, the CEO at Partnership on AI (PAI). Rebecca previously joined us in Episode 62, back in October 2023, in what was the run-up to the Global AI Safety Summit in Bletchley Park in the UK. Times have moved on, and earlier this month, Rebecca and the Partnership on AI participated in the latest global summit in that same series, held this time in Paris. This summit, breaking with the previous naming, was called the Global AI Action Summit. We'll be hearing from Rebecca how things have evolved since we last spoke – and what the future may hold.Prior to joining Partnership on AI, Rebecca founded the AI & Society program at global research organization CIFAR, one of the first international, multistakeholder initiatives on the impact of AI in society. Rebecca's insights have been featured in books and media including The Financial Times, The Guardian, Politico, and Nature Machine Intelligence. She is a Fellow of the American Association for the Advancement of Sciences and sits on advisory bodies in Canada, France, and the U.S.Selected follow-ups:Partnership on AIRebecca FinlayOur previous episode featuring RebeccaCIFAR (The Canadian Institute for Advanced Research)"It is more than time that we move from science fiction" - remarks by Anne BouverotInternational AI Safety Report 2025 - report from expert panel chaired by Yoshua BengioThe Inaugural Conference of the International Association for Safe and Ethical AI (IASEAI)A.I. Pioneer Yoshua Bengio Proposes a Safe Alternative Amid Agentic A.I. HypeUS and UK refuse to sign Paris summit declaration on ‘inclusive' AICurrent AICollaborative event on AI accountabilityCERN for AIAI Summit Day 1: Harnessing AI for the Future of WorkThe Economic SingularityWhy is machine consciousness important? (Conscium)Brain, Mind & Consciousness (CIFAR)Music: Spike Protein, by Koi Discovery, available under CC0 1.0 Public Domain DeclarationPromoguy Talk PillsAgency in Amsterdam dives into topics like Tech, AI, digital marketing, and more drama...Listen on: Apple Podcasts Spotify

A concert attendee filed suit against a band's lead singer based on the singer's alleged "onslaught" of blows to the attendee's face, head, and body over a dispute. However, the singer's claimed that the confrontation only became violent when the attendee threw the first punch.  Notable Timestamps [ 00:25 ] - The singer tendered the suit to his insurer, who agreed to defend under a reservation of rights, but is there a duty to defend? [ 01:25 ] - Seventies, eighties, nineties? The crew chats concerts. [ 02:30 ] - This scenario is based on New York Marine and General Ins. Co. v. Ness, 2021 WL 510624 (E.D. Cal. 1/12/21), linked below. [ 03:30 ] - "Four Corners" means looking only at the Complaint, and "Eight Corners" means looking at the insurance policy as well. Both phrases refer to ignoring outside evidence and focusing on the claims made for the purposes of determining the Duty to Defend. [ 04:30 ] - The court determined that the insured's claims raised a factual issue about the insured's intent. The exclusion for Expected or Intended Injury would not apply in cases of self-defense. [ 05:45 ] - The court found that when there are extrinsic facts from the insured, it is incorrect to assume that only the attendee's allegations matter, so they found a duty to defend. [ 06:15 ] - Courts might sometimes punish "creative pleading", but nevertheless often Complaints will include allegations of negligence, which in this case would have prevented a coverage dispute. [ 08:30 ] - States treat "extrinsic evidence rules" differently. Texas courts allow evidence that solely addresses coverage and does not contradict the facts in the Complaint. This scenario would fail the second prong. [ 09:45 ] - Florida would not permit an insurer to allege extrinsic evidence to dispute the duty to defend, whereas Hawaii or New York might. Some caselaw suggests that if an exclusion clearly applies, extrinsic evidence may be allowed. [ 12:20 ] - Expediency drives many of these rules, as well as insurers' decisions between Declaratory Judgment and denial. [ 13:20 ] - One South Carolina case required an insurer to look at extrinsic evidence. [ 14:30 ] - Can an insurer use an endorsement to permit the introduction of extrinsic evidence in disputes about the duty to defend? A Washington court has yet to answer this question in Developers Surety and Indemnity Co. v. Alis Homes, LLC, 2018 WL 1792182 (W.D. Wash. 4/16/18), reviewed at PLRB, Com. Liab. Ins. L. Rev. 5511 (2018). https://www.plrb.org/legacy-documents?DN=66854 [ 15:40 ] - A California case held that extrinsic evidence could establish a duty to defend-- that's this scenario, linked below. [ 17:35 ] - Michele provides a recap of the scenario and the points above. Your PLRB Resources On the admissibility of extrinsic evidence regarding an insurer's duty to defend, Commercial General Liability Policy Annotation Key GL37 - https://www.plrb.org/legacy-documents?DN=43173 Expected or intended injury exclusion, see Commercial General Liability Policy Annotation Key GL71 - https://www.plrb.org/legacy-documents?DN=43211 Law Review California Federal District Case - https://www.plrb.org/documents/new-york-marine-and-general-ins-co-v-ness/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org. Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

A restaurant was hosting a funeral lunch. During the lunch, a gunman entered and shot an individual who was not related to the funeral reception, but who was in eyeshot of lots of the patrons and children. The victim survived & the gunman fled.   Notable Timestamps [ 00:24 ] - The insured restaurant has a CGL policy and sought coverage after a group of the patrons filed a lawsuit against the restaurant alleging emotional distress [ 01:50 ] - The coverage crew discuss The Godfather and their favorite mob movies. [ 02:45 ] - Bodily Injury under the CGL policy is usually defined as "sickness or disease sustained by a person, including death, resulting from any of these at any time." [ 04:50 ] - "O-H..." In Ohio, the case law is clear-cut: emotional distress does not qualify as bodily injury. Not even if a murder happens at a funeral. [ 07:15 ] - If ulcers or other symptoms arise after an upsetting scene, that would greatly increase the likelihood of the claim being considered "bodily injury." [ 08:20 ] - "...I-O" 31 states follow Ohio's lead. [ 09:30 ] - A California court found that "dry mouth" established bodily injury. How about embarrassment? High blood pressure? Case law can be found for many types of "bodily injury." [ 12:00 ] - If the gunman made physical contact with a bystander, that is a factor courts look to that could strengthen the case for bodily injury. [ 13:25 ] - A scenario where a claimant alleges their alcoholism was caused by his termination from a job presents a gray area, though the little case law available suggests psychological or psychiatric trauma may be too attenuated from the loss. [ 15:05 ] - Sleeplessness qualified as bodily injury in a New Hampshire case, and did not qualify in a New Jersey case. Seattle courts are still undecided. [ 16:55 ] - "Fuzzy" is a technical legal term. [ 17:25 ] - Michele provides a recap of the scenario and the points above. Your PLRB Resources CGL's bodily injury definition, see PLRB Commercial General Liability Policy Annotations / GL7 – Bodily Injury Defined: https://www.plrb.org/documents/gl7-bodily-injury-defined/#_Ohio Coverage Reply, Is Emotional Distress a Bodily Injury? https://www.plrb.org/documents/is-emotional-distress-a-bodily-injury-in-ohio-cq2024-11-25fjg/?search=bodily%20injury Coverage Reply, Would Negligent Infliction of Emotional Distress Be Covered under a CGL Policy? https://www.plrb.org/documents/would-negligent-infliction-of-emotional-distress-be-covered-under-a-massachusetts-cgl-policy-2022-01-06/?search=bodily%20injury%20emotional Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Ever wondered why you can drive from Alaska to Argentina—except for one small gap? That's because of the Darien Gap, a 100-mile stretch of dense jungle and swamps between Panama and Colombia. It's wild, dangerous, and practically impossible to build a road through, thanks to the rough terrain, extreme weather, and local wildlife (think snakes and jaguars!). Governments have also avoided building a highway there to prevent illegal activities like drug trafficking from spreading even more easily. Some adventurers have crossed it on foot or by bike, but it's no easy trip. So, for now, the Pan-American Highway remains broken, and the Darien Gap stays one of the last true roadless frontiers! Are you ready to challenge your mind? Test your knowledge on everything from Earth to outer space with Bright Side: Quiz! https://linktr.ee/brightsidequiz With over 2,000 questions, 4 exciting modes, and local multiplayer for up to 4 players, this game is designed to keep you on your toes and bring endless fun.

The insured owns a house in Louisville, KY, near Churchill Downs. Every year, prior to the first Saturday in May, he rents his house out for two weeks. He secured a renter for $3,000. However, a week before the Derby, his home was destroyed in a fire.   Notable Timestamps [ 00:15 ] - The adjuster is giving him the Coverage A limits to rebuild the house. But he is also making a claim for Fair Rental Value (Coverage D). ISO HO 00 03 05 11. Is there coverage? [ 01:36 ] - Trivia Time! The Kentucky Derby was first run in what year? 1898, 1920, 1842, or 1875? [ 03:30 ] - Fair Rental Value is covered if a covered loss makes that part of the residence premises rented to others or "held for rental" not fit to live in. [ 05:20 ] - "Held for rental" could apply to someone advertising a rental, or someone with a contract for rental (even if breached due to the loss). [ 06:16 ] - Fair Rental Value can mean a much higher price than most equivalent units, if it's the week before the Kentucky Derby. [ 07:29 ] - Fair Rental Value can be informed by prior history of unit rental price for that specific unit or similar nearby units, and it can be affected by the time of year or even the significance of sporting events. [ 08:50 ] - The sporting event's impact on pricing would not be affected by the renter's intent to attend or not. [ 09:25 ] - Claiming ALE is likely inconsistent with claiming FRV. Did the insured intend to live in the house, and therefore they need ALE to make them whole for the living space they lost? Or did the insured intend to rent the house, and therefore they need FRV to make them whole for the rental they lost? [ 11:32 ] - A partial use, partial rental situation might justify claiming both ALE and FRV. [ 12:35 ] - The paucity of caselaw on Fair Rental Value means that uncertainty is high but variation among the states is low. [ 13:15 ] - The 2022 ISO HO form made significant changes relating to homesharing apps, and excluded coverage for FRV specifically when homesharing activities are involved.  [ 14:45 ] - Tim's "policies in his pocket" are color-coded! [ 15:55 ] - If the home was repaired prior to the Derby, but the tenant had cancelled, FRV would likely not apply. The relevant ISO policy specifically excludes coverage for cancellations of agreements. The end of the Period of Restoration closes the window on FRV. [ 17:25 ] - Tim provides a recap of the scenario and the points above. Your PLRB Resources Fair Rental Value For Home Up For Rent At Time of Loss – PCQ.2013.06.11a (Cov Question) - https://www.plrb.org/documents/fair-rental-value-for-home-up-for-rent-at-time-of-loss-pcq-2013-06-11a/ ALE: Travel Costs to Rental Property – PCQ.2014.05.09a (Cov Question) - https://www.plrb.org/documents/ale-travel-costs-to-rental-property-pcq-2014-05-09a/ Fair Rental Value (HO38) (Annotation) - https://www.plrb.org/documents/fair-rental-value-ho38/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

A bank robber in a high speed chase from the police and smashed into a tree on the insured's premises. A large limb fell on power lines, and the insured's home sustained a power surge. The insured claims  electrical damage to his refrigerator, toaster, and TV.   Notable Timestamps [ 00:20 ] - The adjuster sees the insured had a standard ISO HO 00 03 05 11. Is there coverage for these household items under that form? [ 01:35 ] - Trivia time! This 1967 American film starring Warren Beatty and Faye Dunaway follows the exploits of bank robbers in the Depression-Era South. [ 03:00 ] - Coverage A generally applies, in part, to electronics permanently attached to the realty-- if you turned the house upside-down and shook it, what would NOT fall out? [ 04:36 ] - Coverage A or Coverage C factors: 1. actual physical annexation to the property, 2. application or adaptation to the use or purpose to which the realty is devoted, and 3. intention (or lack thereof) to make it a permanent installation. [ 05:11 ] - If the insured was moving to a new home, what would they leave behind? Not the toaster or, with any likelihood, the television. Even wall-mounted televisions are easily removed. [ 07:00 ] - This refrigerator has an ice maker, so it's linked to the plumbing. It's often not taken upon moving. [ 07:35 ] - Coverage B only comes into play if you're storing your lawnmower in a refrigerator. [ 08:36 ] - Sometimes refrigerators are built in to match the surrounding cabinets. [ 09:30 ] - We'll assume these fall under Coverage C, and that the insured isn't living in that backyard fridge to get Coverage D to apply. [ 10:30 ] - Proximate cause analysis would apply to this complex chain of causation, but most adjusters would likely give the insured the benefit of the doubt if any named peril played a meaningful role in bringing about the loss. [ 11:00 ] - Malicious mischief? It's a consideration, but sorry Mike, there are other intervening causes here. [ 12:05 ] - Going through the options, several named perils might apply: Artificially Generated Electrical Current, Falling Objects, or Vehicles. [ 13:00 ] - Sudden and Accidental Damage from Artificially Generated Electrical Current sounds like it should apply, but the text says it does not apply to objects with electronic components. [ 14:18 ] - The Vehicles peril just says "vehicles." [ 15:00 ] - If the insured is driving, you might run into an intentional loss exclusion issue, and innocent co-insured concerns. [ 16:00 ] - The insured can get paid for the tree, even though the list of perils is shorter for that particular coverage, because the loss was caused by a vehicle not owned or operated by a resident. [ 17:35 ] - Tim provides a recap of the scenario and the points above. Your PLRB Resources Power Surge Damages Appliances- PCQ.2006.06.01a - https://www.plrb.org/documents/power-surge-damages-appliances-pcq-2006-06-01a/ Artificially Generated Electrical Current (HO77) - https://www.plrb.org/documents/artificially-generated-electrical-current-ho77/ Does Additional Coverage Apply To Tree Struck By Insured Vehicle After Collision?- PCQ.2012.04.17a - https://www.plrb.org/documents/does-additional-coverage-apply-to-tree-struck-by-insured-vehicle-after-collision-pcq-2012-04-17a/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Read OnlineWhile he was still speaking, people from the synagogue official's house arrived and said, “Your daughter has died; why trouble the teacher any longer?” Disregarding the message that was reported, Jesus said to the synagogue official, “Do not be afraid; just have faith.” Mark 5:35–36This short line is one worth pondering every day. “Do not be afraid; just have faith.” This statement can apply to many situations we experience throughout our lives. It is a command of love from our Lord and is a command that we all need to hear, especially when hardships come our way.First, it should be noted that this was a grave situation in which extreme emotion and temptations to fear would be understandable. The father in this story had a young daughter at the point of death, and he came to beg Jesus to heal her. Jesus agreed. But while they were on their way, Jesus and the father received the heartbreaking news that the daughter had just died. As any parent would know, this news must have been incredibly difficult to hear. So begin by trying to understand the grief that this father was experiencing. Try to especially understand his grief at that moment as he heard this devastating news.As you ponder his grief, try to also ponder the heart, thinking, emotions and words of Jesus. Jesus had no fear. He knew that this would end very well. But because He also had deep empathy and love for this grieving father, Jesus turned to him to give him hope. Hope in the midst of a very difficult and painful experience in life is hard to come by. When faced with grief, it is very tempting to give in to despair. Despair is a complete loss of hope. Despair keeps us from God and strips us of faith. But despair is always avoidable if we follow Jesus' command of love. “Do not be afraid; just have faith.” What is it that tempts you to fear in life?What is it that tempts you to lose your hope? Perhaps you struggle with the death of a loved one, and you find it very difficult. Perhaps your grief comes from small sources and is only minor right now. The truth is that all of us will experience small temptations to lose hope every day. And most will also experience grave temptations at one time or another. For these reasons, we must all constantly listen to Jesus' words and work to dispel every fear in life as we invite God to bestow upon us the gift of hope that comes from unwavering faith in His plan for our lives.Reflect, today, upon any struggles you have with despair, fear or anxiety in life. As you do, know that all things are possible when you turn to God with faith. Faith does not necessarily remove the hardships of life; it does something even better. It transforms hardships so that you can endure them with grace, joy and supernatural hope. When this happens, everything in life has the potential to be used by God for our good. All we need to do is continually reject fear and “just have faith.”My compassionate Lord, You consoled this grieving father and instilled within him the gifts of faith and hope. Please also speak your command of love to me, calling me to trust in You no matter what I struggle with in life. May I always have faith in You and never fall into despair or fear. Jesus, I trust in You.Source of content: catholic-daily-reflections.comCopyright © 2025 My Catholic Life! Inc. All rights reserved. Used with permission via RSS feed.Image: Gabriel von Max, CC0, via Wikimedia Commons

The most highly anticipated development in AI this year is probably the expected arrival of AI agents, also referred to as “agentic AI”. We are told that AI agents have the potential to reshape how individuals and organizations interact with technology.Our guest to help us explore this is Tom Davenport, Distinguished Professor in Information Technology and Management at Babson College, and a globally recognized thought leader in the areas of analytics, data science, and artificial intelligence. Tom has written, co-authored, or edited about twenty books, including "Competing on Analytics" and "The AI Advantage." He has worked extensively with leading organizations and has a unique perspective on the transformative impact of AI across industries. He has recently co-authored an article in the MIT Sloan Management Review, “Five Trends in AI and Data Science for 2025”, which included a section on AI agents – which is why we invited him to talk about the subject.Selected follow-ups:Tom Davenport - personal siteFive Trends in AI and Data Science for 2025 - MIT Sloan Management ReviewMichael Martin Hammer - WikipediaAI winter - WikipediaAI is coming for the OnlyFans chat industry - FortuneHow Gen AI and Analytical AI Differ — and When to Use Each - Harvard Business ReviewTruth Terminal - The AI Bot That Became a Crypto Millionaire - a16zJim Simons - WikipediaWhy The "Godfather of AI" Now Fears His Own Creation - Curt Jaimungal interviews Geoffrey HintonAttention Is All You Need - Google researchers Apple suspends error-strewn AI generated news alerts - BBC NewsGen AI cuts costs by 30% - London Futurists Podcast episode featuring David Wakeling, partner at A&O ShearmanThe path to agentic automation is UiPath - UiPathMicrosoft CEO Predicts: "AI Agents Will Replace ALL Software" - AI Insights ExplorerNVIDIA CEO Jensen Huang Keynote at CES 2025 - NvidiaPioneering Safe, Efficient AI - ConsciumA New Survey Of Generative AI Shows Lots Of Work To Do - October 2023 article by Tom DavenportGen AI: Too much spend, too little benefit? - Goldman SachsMusic: Spike Protein, by Koi Discovery, available under CC0 1.0 Public Domain Declaration

Summary: The Healers partake of an esoteric ritual in the warmth of one anothers' presence. Of Special Note: The Iron Realm is named to the Top 10 of Dark Fantasy Podcasts on Travellers of the Maze. Download Chapter 140: Healer's Nest Download All Future Episodes & Bonus Episodes --HERE-- The following music for The Iron Realm Podcast was contributed to The Iron Realm by Max at Coltrin Compositions: Cosmotic I edited tracks for volume, length, pitch, and mood. The following selection by AmeAngelofSin was sampled for use during the intro for this episode and also for the Contributor Spotlight: Custom Audio for The Iron Realm Podcast I edited tracks for volume, length, pitch and mood. Find AmeAngelofSin online on: Twitter YouTube or email AmeAngelofSin at AMEANGELOFSIN AT GMAIL DOT COM AmeAngelofSin's aforementioned audio is included in accordance with Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/ A shout-out to Anuj for awarding The Iron Realm a top spot on Feedspot's Dark Fantasy Podcast spotlight. Be sure to check it out for ourself: 10 Best Dark Fantasy Podcasts My thanks as well for all audio featured under the cc0 license on tonight's podcast. The Iron Realm is intended for adult audiences. Listener Discretion is advised. The Iron Realm album art/website art was created from a public domain image/CC0 image from PixaBay. Audio on the podcast, unless otherwise noted, has either been created by the author or has been used in accordance with the Creative Commons Zero license. A new Iron Realm Podcast is released periodically and each is a labor of my love for Solo RPG Gaming. Enjoy and support the show. And fare ye well, Traveler of The Maze, in the light and in the dark. Subscribe to The Iron Realm Podcast!

Ever wonder what the very first animal on Earth was?

This claim involves contractual issues between a general contractor and an electrician. The electrician got his wires crossed and caused some damage, and now there's lawyers throwing around phrases like “contractual indemnity” and “additional insureds” and “insured contracts.”    Notable Timestamps [ 00:34 ] - Nate is a longtime personal lines adjuster switching to commercial lines and taking over a claim from a retiring adjuster. [ 01:40 ] - Call (630) 509-8704 to leave a voicemail with your anonymous adjuster story! Mike shares his own story! What can you do about a drunken sailor... [ 04:00 ] - CGL policies typically exclude liability assumed under a contract. Typically, two-party contracts are not occurrences because a breach of contract is not a matter of chance or fortuity. The GL policy is not a performance contract or a guarantee of work product or quality. [ 06:35 ] - However, CGL policies have an EXCEPTION to the EXCLUSION that keeps out two-party contracts. The exception permits coverage for "insured contracts"-- basically three-party contracts like the one where a general contractor contracted with an insured electrician, and then the homeowner's property got damaged.  [ 09:15 ] - Contractual indemnity is created by a contract to assume another party's tort liability, whereas an additional insured is created by an endorsement in the insurance policy specifically naming the party to be insured. [ 11:32 ] - An Additional Insured endorsement may include some limitations, but otherwise the named additional insured has the same rights as the insured who signed up for the policy. [ 11:55 ] - Additional Insured have broader rights than a contractual indemnitee, but they also have broader responsibilities: the same responsibilities as the original insured to cooperate, act timely, etc. [ 13:21 ] - A contractual indemnitee can refuse responsibilities like providing certain documents, but miss out on perks like getting a defense provided by the insurance company. [ 14:45 ] - The CGL policy provides these differing options as a way of providing flexibility for different situations. [ 15:12 ] - Not to get "distracted", but the CGL also carves out an exception for "sidetrack" agreements-- agreements pertaining to the train tracks extending out of factories and warehouses. [ 16:50 ] - Mike provides a recap of the scenario and the points above. Your PLRB Resources 50-State survey on Indemnity Agreements - https://www.plrb.org/documents/agreements-to-indemnify-and-general-liability-insurance/   CE Course on Contractual Indemnity and Additional Insured Liability - https://www.plrb.org/courses/contractual-indemnity-and-additional-insured-liability/ Advanced Issues: Road Trip Through the CGL Policy recorded webinar - https://www.plrb.org/courses/advanced-issues-road-trip-through-the-cgl-policy/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

On January 22, 2002, a tape was discovered hidden in the walls of a long abandoned home. On it was the last known words of Wesley Holding - a conman said to have posed as a detective working cold cases.CREDITSотдушинка by  Kosta T is licensed under a CC0 1.0 Universal License. This public broadcast is made possible thanks to these BCWPA Agents: Brandon Ruch, Colten Williams, Daniel Berry, Donovan Scherer, Kimberly Nichols, Layla Leutwyler, Madelynn ODell, Matthew Schang, Pyper Wilson, Lenin Roman, Ronald Miller, PHouseGames, Anthony Ferries, Dandan, Fox & Brambles, Jim Walke, Claire, Hallesy, Heather, HELGA, Kris Mitchell, Kylie Reed, Rick Belcher, Cryptid Clyde, T. Carter Ross, Agus Mercado, Ead Daniels, Elizabeth Lukjanczuk, Shelby Fulton, Veronica Mulvaney, Zodiac Gaming Industry, Mr. Blue Sky SOURCEShttps://www.ufoinsight.com/aliens/encounters/alien-encounters-mary-starr-suzanne-knighthttps://bogleech.com/realalienshttps://cryptidz.fandom.com/wiki/Old_Saybrook_BlockheadsNOTEIn the Field and its free, public broadcasting are fictional and for entertainment only. Real life stories and events have been altered for storytelling; real life stories, myths, and legends are well-researched for each episode. Send the BCWPA a message!Support the showDo you have a story, sighting, or piece of folklore to share? Visit our office.Grab a cryptid study, visit the Ballyraven store.

There is only one currency that is able to abide at the nexus of all existence. In our world, we call it the black penny. Genre: Fantasy   Excerpt: Touching the penny evoked a vision in my mind of a swirling whirlpool, not of water, but of stars. I felt a moment of calm sweep over me. The problems I faced were real and daunting and major. But there were things in the universe that dwarfed them. A little bit like how I dwarfed that little penny.   What story or stories am I revisiting in this episode?Each Season 8 episode is a standalone story, but it's connected to or inspired by a previous story through a character, a place, an object, a concept, a continuation of events (ahem, sequel), and so on. I once wrote a story based on the saying, “see a penny, pick it up, and all the day you'll have good luck.” But luck can be fickle, can't it? That story is called “Copper Penny.”   MERCH!Interested in merch, like mugs and notebooks, featuring my artwork? Please visit my Store page for updated info on where you can buy: STORYFEATHER STORE   MY FIRST BOOK (yay)Ever wonder how I've gotten all these hundreds of stories written?  I have a method. And I talk all about it in my book called Fictioneer's Field Guide: A Game Plan for Writing Short Stories. It's now available as an eBook, paperback, and hardcover. The book title takes you straight to the book on Amazon. Or you can visit my Store page: STORYFEATHER STORE The Store page has a sign-up form for my email newsletters.  Fictioneering mischief and writing tips. Choose what you want. (Either way, you're choosing high jinks.)   CREDITSStory: “The Black Penny Market” Copyright © 2021 by Nila L. Patel Narration, Episode Art, Editing, and Production:  Nila L. Patel   Music: “Space Discoveries” by ANDREW SITKOV (Intro and Outro) “Abstract Vision #5” by ANDREW SITKOV (Outro)   Music by ANDREW SITKOV (MuzStation Game Music)* “Abstract Vision #6” “Space Discoveries”   Music by TRG BANKS “Keith in 1987” “Interstellar Breakfast” “Insideoutworld” “New world” “Non-stop to Insideoutworld”   *These tracks were part of a music and sound effects bundles I purchased from Humble Bundle and sourced from GameDev Market.   Music by Andrew Sitkov is licensed from GameDev Market Music by TRG Banks is licensed under CC0 1.0 Universal Sound effects from AudioJungle, and GameDevMarket, and Soundly (through Hindenburg) Vocal effects created with Audacity Changes made to the musical tracks? Just cropping of some to align with my narration. Find more music by Andrew Sitkov at gamedevmarket.net Find more music by TRG Banks at freemusicarchive.org/music/TRG_Banks Find more stories by Nila at storyfeather.com   Episode Art Description: Digital drawing. Silhouette of a person who appears to be standing in mid-air, seen from a low angle. The person is wearing pants and a hoodie, and a raising up right arm. Just above the left shoulder is a small black circle, glowing slightly.  A multi-colored hazy bar of light originates from the circle, passes behind the figure, and angles to the bottom left corner, into a multi-colored gas cloud that leads into a fog. At top left corner a disc-shaped galaxy, the Milky Way. A translucent peach-colored bar angles up from the bottom right to the top right. Another similar bar angles to the left from the right side. A squiggly neon line connects the two bars. Colors drip upward where the two bars meet. The original image is made square by adding a top and bottom border with colors and shattered square discs in the same color scheme. Watermark of “Storyfeather” along figure's left arm.

In this episode, we return to a theme which is likely to become increasingly central to public discussion in the months and years ahead. To use a term coined by this podcast's cohost Calum Chace, this theme is the Economic Singularity, namely the potential all-round displacement of humans from the workforce by ever more capable automation. That leads to the question: what are our options for managing the transition of society to increasing technological unemployment and technological underemployment.Our guest, who will be sharing his thinking on these questions, is the prolific writer and YouTuber David Shapiro. As well as keeping on top of fast-changing news about innovations in AI, David has been developing a set of ideas he calls post-labour economics – how an economy might continue to function even if humans can no longer gain financial rewards in direct return for their labour.Selected follow-ups:David Shapiro's SubstackDavid Shapiro's channel on YouTubeJulia McCoy's channel on YouTubeNext stop: Miami - WaymoResource Based EconomyDebt: The First 5,000 Years - book by David GraeberBroken Money: Why Our Financial System is Failing Us and How We Can Make it Better - book by Lyn AldenThe Bitcoin Standard: The Decentralized Alternative to Central Banking - book by Saifedean AmmousNormalcy bias - WikipediaWhy Nations Fail: The Origins of Power, Prosperity, and Poverty - book by Daron Acemoğlu and James A. RobinsonPrinciples for Dealing with the Changing World Order: Why Nations Succeed and Fail - book by Ray DalioVulture Capitalism: Corporate Crimes, Backdoor Bailouts, and the Death of Freedom - book by Grace BlakeleyThe Economic Singularity: Artificial Intelligence and Fully Automated Luxury Capitalism - book by Calum ChaceMusic: Spike Protein, by Koi Discovery, available under CC0 1.0 Public Domain Declaration

A supervisor is leading a small but mighty teams of adjusters, and they're taking their team to Indianapolis this spring for the 2025 PLRB Claims Conference. The only problem? They've never been before and have no idea where to start.   Notable Timestamps [ 00:15 ] - One more salute to our once and future host, Alissha Watley. [ 00:40 ] - Our team of claims professionals is headed to Indiana Convention Center in Indianapolis, IN for the 2025 PLRB Claims Conference, held on March 31 to April 2. [ 01:50 ] - The team reminisces about past conferences and tornado alarms. [ 02:40 ] - Stop by the registration desk to get your badge. If you're in town on Sunday, check out the Orientation for First-Time Attendees, and then the Claims Conference Welcome Reception. [ 04:17 ] - On Monday morning, kick off with the general session "The Power of Uncertainty" by Renee Bruns of Renee Bruns Coaching & Consulting, LLC. [ 04:40 ] - The Insurance Services Expo is a great place to connect with new products and service providers. [ 05:11 ] - PLRB will be hosting a booth at the Claims Conference, featuring lightning talks from PLRB staff and guests. [ 07:30 ] - Select from over 100 educational sessions to choose from, across 14 educational tracks. Get your CE Credits and the training you need to succeed. [ 10:30 ] - Lunchtime! The lunch hour is a great chance to check out the Expo hall and build connections. Who said there's no such thing as a free lunch? [ 11:36 ] - On Tuesday, check out PLRB Presents for short impactful talks; Future of Insurance for a thought leadership panel hosted by PLRB CEO Bryan Falchuk; and the Women's Walk coordinated by Girls Give Back. [ 13:00 ] - On Wednesday, stick around for a Backyard BBQ Luncheon. [ 14:16 ] - Register at PLRB.org under the Events tab. [ 15:05 ] - Mike provides a recap of the scenario and the points above. Your PLRB Resources Visit plrbclaimsconference.org or download the PLRB app to register, find a hotel, sign up for your sessions, and more. Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Arturo O'Farrill: "Without Carla (Bley)'s influence, I wouldn't be where I am today; there would be no Afro-Latin Jazz Orchestra, no Belongó, no Arturo O'Farrill. She is in everything that I do..."  Don't you want to hear what happens when WKCR's Mitch Goldman welcomes Arturo into the WKCR archives for a Deep Focus on Carla Bley?  We know we do!   Game on this Monday (12/23) from 6p to 9p NYC time on WKCR 89.9FM, WKCR-HD or wkcr.org.  Or join us next week when it goes up on the Deep Focus podcast on your favorite podcasting app or at https://mitchgoldman.podbean.com/.  Subscribe right now to get notifications when new episodes are posted.  It's ad-free, all free, totally non-commercial.   Find out more about Deep Focus at https://mitchgoldman.com/about-deep-focus/ or join us on Instagram @deep_focus_podcast.     Photo credit: Photo by Petra Gall 1981, CC0 courtesy of Schwules Museum.   #WKCR #DeepFocus #/ArturoOFarrill #CarlaBley #EscalatorOverTheHill #JazzRadio #JazzPodcast #JazzInterview

Arturo O'Farrill: "Without Carla (Bley)'s influence, I wouldn't be where I am today; there would be no Afro-Latin Jazz Orchestra, no Belongó, no Arturo O'Farrill. She is in everything that I do..."  Don't you want to hear what happens when WKCR's Mitch Goldman welcomes Arturo into the WKCR archives for a Deep Focus on Carla Bley?  We know we do!   Game on this Monday (12/23) from 6p to 9p NYC time on WKCR 89.9FM, WKCR-HD or wkcr.org.  Or join us next week when it goes up on the Deep Focus podcast on your favorite podcasting app or at https://mitchgoldman.podbean.com/.  Subscribe right now to get notifications when new episodes are posted.  It's ad-free, all free, totally non-commercial.   Find out more about Deep Focus at https://mitchgoldman.com/about-deep-focus/ or join us on Instagram @deep_focus_podcast.     Photo credit: Photo by Petra Gall 1981, CC0 courtesy of Schwules Museum.   #WKCR #DeepFocus #/ArturoOFarrill #CarlaBley #EscalatorOverTheHill #JazzRadio #JazzPodcast #JazzInterview

Our guests in this episode have been described as the world's two oldest scientifically astute longevity activists. They are Kenneth Scott, aged 82, who is based in Florida, and Helga Sands, aged 86, who lives in London.David has met both of them several times at a number of longevity events, and they always impress him, not only with their vitality and good health, but also with the level of knowledge and intelligence they apply to the question of which treatments are the best, for them personally and for others, to help keep people young and vibrant.Selected follow-ups:Waiting For God - 1990s BBC ComedyAdelle Davis, NutritionistRoger J. Williams, BiochemistThe Importance of Maintaining a Low Omega-6/Omega-3 RatioLife Extension MagazineCalifornia Age Management InstituteFibrinogen and agingProfessor Angus Dalgleish, Nuffield HealthAbout Aubrey de Grey speaking at the Royal InstitutionGeorge Church, GeneticistJames Kirkland, Mayo ClinicDaniel Munoz-Espin, CambridgeNobel Prize for John Gurdon and Shinya YamanakaVSELs and S.O.N.G. laserXtend Optimal HealthFollistatin gene therapy, MinicircleExosomes vs Stem CellsPrevent and Reverse Heart Disease - book by Caldwell Esselstyn Jr Dasatinib and Quercetin (senolytics)We reverse atherosclerosis - Repair BiotechnologiesBioreactor-Grown Mitochondria - MitrixNobel Winner Shinya Yamanaka: Cell Therapy Is ‘Very Promising' For Cancer, Parkison's, MoreDeath of the world's oldest man, 25th Nov 2024Blueprint protocol - Bryan JohnsonMusic: Spike Protein, by Koi Discovery, available under CC0 1.0 Public Domain Declaration

Arturo O'Farrill: "Without Carla (Bley)'s influence, I wouldn't be where I am today; there would be no Afro-Latin Jazz Orchestra, no Belongó, no Arturo O'Farrill. She is in everything that I do..."  Don't you want to hear what happens when WKCR's Mitch Goldman welcomes Arturo into the WKCR archives for a Deep Focus on Carla Bley?  We know we do!   Game on this Monday (12/23) from 6p to 9p NYC time on WKCR 89.9FM, WKCR-HD or wkcr.org.  Or join us next week when it goes up on the Deep Focus podcast on your favorite podcasting app or at https://mitchgoldman.podbean.com/.  Subscribe right now to get notifications when new episodes are posted.  It's ad-free, all free, totally non-commercial.   Find out more about Deep Focus at https://mitchgoldman.com/about-deep-focus/ or join us on Instagram @deep_focus_podcast.     Photo credit: Photo by Petra Gall 1981, CC0 courtesy of Schwules Museum.   #WKCR #DeepFocus #ArturoOFarrill #CarlaBley #EscalatorOverTheHill #JazzRadio #JazzPodcast #JazzInterview