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This episode of London Futurists Podcast is a special joint production with the AI and You podcast which is hosted by Peter Scott. It features a three-way discussion, between Peter, Calum, and David, on the future of AI, with particular focus on AI agents, AI safety, and AI boycotts.Peter Scott is a futurist, speaker, and technology expert helping people master technological disruption. After receiving a Master's degree in Computer Science from Cambridge University, he went to California to work for NASA's Jet Propulsion Laboratory. His weekly podcast, “Artificial Intelligence and You” tackles three questions: What is AI? Why will it affect you? How do you and your business survive and thrive through the AI Revolution?Peter's second book, also called “Artificial Intelligence and You,” was released in 2022. Peter works with schools to help them pivot their governance frameworks, curricula, and teaching methods to adapt to and leverage AI.Selected follow-ups:Artificial Intelligence and You (podcast)Making Sense of AI - Peter's personal websiteArtificial Intelligence and You (book)AI agent verification - ConsciumPreventing Zero-Click AI Threats: Insights from EchoLeak - TrendMicroFuture Crimes -  book by Marc GoodmanHow TikTok Serves Up Sex and Drug Videos to Minors - Washington PostCOVID-19 vaccine misinformation and hesitancy - WikipediaCambridge Analytica - WikipediaInvisible Rulers - book by Renée DiResta2025 Northern Ireland riots (Ballymena) - WikipediaGoogle DeepMind Slammed by Protesters Over Broken AI Safety PromiseMusic: Spike Protein, by Koi Discovery, available under CC0 1.0 Public Domain DeclarationDigital Disruption with Geoff Nielson Discover how technology is reshaping our lives and livelihoods.Listen on: Apple Podcasts Spotify Inspiring Tech Leaders - The Technology PodcastInterviews with Tech Leaders and insights on the latest emerging technology trends.Listen on: Apple Podcasts Spotify

A concrete foundation is crumbling due to a truck's sugar-contaminated sand delivery. Now, a court case hinges on whether the CGL auto exclusion applies: Did the damage occur in the truck or on the job site? Notable Timestamps [ 00:30 ] - At the outset, it seems the question (of whether the CGL or the BAC policy applies) turns on whether the damage occurred on the job site, at the concrete plant, or on the sand delivery truck. [ 05:01 ] - Sugar can be used in small, controlled amounts to delay concrete setting time, but higher concentrations can prevent proper curing. The contamination in this scenario was due to a "failure to clean" the truck from a previous job. [ 08:57 ] - The CGL Auto Exclusion operates to ensure coverage falls under the proper policy. In this case, the property damage occurred on a truck, so it should not be handled by the CGL policy but by Business Auto Coverage. [ 13:02 ] - The CGL form defines property damage to include "loss of use", meaning that even if the sand itself wasn't physically damaged, its inability to be used for its intended purpose (making proper concrete) qualifies as property damage. [ 15:47 ] - The Business Auto policy "Care, Custody, and Control" exclusion applied because the concrete plant's employee made the error. [ 16:24 ] - Brennan provides a recap of the scenario and the points above. Your PLRB Resources In Brief: Clear Blue Specialty Ins. Co. v. Landrieu Concrete and Cement Industries, LLC, 2025 U.S. App. LEXIS 10563 (5th Cir. La. 5/1/25). https://www.plrb.org/documents/clear-blue-specialty-ins-co-v-landrieu-concrete-and-cement-industries-llc-2025/ Annotation: CGL Policy Key GL39 – Automobile Exclusion. https://www.plrb.org/documents/gl39-automobile-exclusion 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).

Two siblings end up in a shared dream and explore it according to their priorities: eating food and making friends. Genre: Fairy Tale, Fantasy     Excerpt: As Astra kept staring at the sign, the characters began to shift into ones she could read. She grinned and started reading aloud. “Dream Sector Alpha. Basic fantasies. Opening gifts. Eating rocky road brownies—wait, I don't like rocky road brownies.” “I do!” Fen said. “Dream Sector Beta…Zeta…Theta. Hey, I know this. This is the Greek alphabet.”   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. This story revisits “The Mystery of Mrs. Highweather,” in which a new father, seeking stories for his baby daughter, stumbles across a series of books he used to love in his childhood about the caretaker of two adventurous kids.   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 also has sign-up forms for my two email newsletters: Storyfeather Gazette (if you'd like to keep up with the fiction I create) Fictioneer's Field Guide (if you'd like writing tips and guidance from me) Choose what you want. (Either way, you're choosing high jinks.)   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   CREDITSStory: “Two Tickets to Dream Sector Disigma” Copyright © 2021 by Nila L. Patel Narration, Episode Art, Editing, and Production:  Nila L. Patel   Music: “Packed lunch” by TRG Banks (Intro) “The silver bus” by TRG Banks (Outro) “Abstract Vision #5” by ANDREW SITKOV (Outro)   Music by TRG BANKS “Through the gravitational field” “The silver bus” “Packed lunch” “First stop” “Horse ride 4” “Cigar”   Music by ANDREW SITKOV* “Casual Theme #2” “Casual Theme #4” “Knight Power” “Secrets of Kingdom” “Journey into Fog” “Battle March” “Protection of Kingdom” “Knight Rising”   *All these tracks are 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) 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 of a stream cutting through a grassy meadow. Foreground left corner displays glowing curling stems. A ladybug is perched on one of the stems. Bottom middle edge, a piece of paper floats in the water. To the ladybug's left, a wooden sign juts up from the grass. In the upper third of the image, forests are visible through purple haze, and mountains even further back. The sky glows with sunlight. The rectangular image is made square with top and bottom borders that repeat and continue the top and bottom of the image. Watermark of “Storyfeather” along the edge of the river at center right.

This is a replay of an episode that originally aired on March 19, 2024.     An insured's detached garage burns down in a covered lightning strike, and somehow it's not covered just because of a little side hustle? The PLRB crew hunt for coverage and find what the insurer can pay out on when an insured rents out their property without updating their insurance company.   Notable Timestamps   [ 00:17 ] - The insured remodeled their detached garage for use as an AirBNB rental, but never notified their insurer. The garage burned down, and the insured files a claim for the property damage, contents, and nearby oak tree that also burned down.   [ 02:40 ] - This scenario's policy explicity does not cover structures “held for rental”, so this clause would apply even though no guests were present on the date of loss.   [ 05:50 ] - The contents would likely be covered as long as the detached garage is not considered an “apartment.”   [ 07:42 ] - However, the Special Limit of Liability would limit that contents recovery to $3,000 under this policy.   [ 08:04 ] - AirBNB provides a form of coverage which they state is not insurance, but it likely applies only when guests were, at minimum, present.   [ 09:52 ] - The oak tree is also covered, but likely limited to $500.   [ 11:13 ] - In a variation on the scenario, the group discusses that property of tenants would likely not be covered.   [ 13:26 ] - Fair rental value coverage only applies to covered losses.   [ 14:50 ] - Clauses on “homesharing activities” are more frequently appearing in newer forms.   [ 16:30 ] - Tim provides a recap of the scenario and the points above.   Your PLRB Resources   Adjuster Resource Sheet on Home Sharing Issues for Property Adjusters - https://search.plrb.org/?dn=72175&src=gsa   Highlights of 2022 Revisions TO Section I ISO Homeowners Form - https://search.plrb.org/?dn=87749&src=gsa   Coverage Question on “Home Sharing Endorsement Would Not Apply Where Tenant Rented Garage For More Than 30 Days” - https://search.plrb.org/?dn=77494&src=gsa   Webinar on “Homeowners Liability Coverage: Current Trends” - https://www.plrb.org/distlearn/webinars/vplayer.cfm?vid=w0086   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/container.cfm?conlink=sec/cq/default.cfm) 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). https://thenounproject.com/icon/garage-6216862/ https://fontawesome.com/icons/bolt-lightning?f=classic&s=solid

The guest in this episode is Hugo Spowers. Hugo has led an adventurous life. In the 1970s and 80s he was an active member of the Dangerous Sports Club, which invented bungee jumping, inspired by an initiation ceremony in Vanuatu. Hugo skied down a black run in St.Moritz in formal dress, seated at a grand piano, and he broke his back, neck and hips when he misjudged the length of one of his bungee ropes.Hugo is a petrol head, and done more than his fair share of car racing. But if he'll excuse the pun, his driving passion was always the environment, and he is one of the world's most persistent and dedicated pioneers of hydrogen cars.He is co-founder and CEO of Riversimple, a 24 year-old pre-revenue startup, which have developed 5 generations of research vehicles. Hydrogen cars are powered by electric motors using electricity generated by fuel cells. Fuel cells are electrolysis in reverse. You put in hydrogen and oxygen, and what you get out is electricity and water.There is a long-standing debate among energy experts about the role of hydrogen fuel cells in the energy mix, and Hugo is a persuasive advocate. Riversimple's cars carry modest sized fuel cells complemented by supercapacitors, with motors for each of the four wheels. The cars are made of composites, not steel, because minimising weight is critical for fuel efficiency, pollution, and road safety. The cars are leased rather than sold, which enables a circular business model, involving higher initial investment per car, and no built-in obsolescence. The initial, market entry cars are designed as local run-arounds for households with two cars, which means the fuelling network can be built out gradually. And Hugo also has strong opinions about company governance.Selected follow-ups:Hugo Spowers - WikipediaRiversimpleMusic: Spike Protein, by Koi Discovery, available under CC0 1.0 Public Domain DeclarationDigital Disruption with Geoff Nielson Discover how technology is reshaping our lives and livelihoods.Listen on: Apple Podcasts Spotify Real Talk About MarketingAn Acxiom podcast where we discuss marketing made better, bringing you real...Listen on: Apple Podcasts Spotify Digital Disruption with Geoff Nielson Discover how technology is reshaping our lives and livelihoods.Listen on: Apple Podcasts Spotify

Join us this month as we talk with author Denise S. Robbins who has a new book out called The Unmapping; the Washington Writers Publishing House co-president Caroline Bock and Jona Colson, who are celebrating WWPH's 50th anniversary; author Rion Amilcar Scott who reads from his book, The World Does Not Require You; and indie lit legend Brian Allen Carr, author of Bad Foundations, Opioid, Indiana, Short Bus, and others.  Denise S. Robbins is from Madison, Wisconsin, the city where she grew up and to which she returned after sixteen years of living and working in climate activism on the East Coast. In Madison, she lives with her husband in a yellow house circled by oaks and pines and two owls, and works as a consultant for several climate advocacy groups. She is a Pushcart Prize–nominated author whose stories have been published in literary journals including The Barcelona Review, Gulf Coast, and many more. Her debut novel, The Unmapping, was published in June 2025 from Mareas at Bindery Books. It is number 2 on People Magazine's top reads for the summer.  The Unmapping is on order at DCPL. You can place a hold for when it arrives.  Caroline Bock's short story collection, Carry Her Home, received the 2018 WWPH Fiction Prize. She is the author of two critically acclaimed young adult novels, LIE and Before My Eyes, from St. Martin's Press. In addition to her role as co-president, she is the prose editor at WWPH Writes, our bi-weekly literary journal, and the co-editor of our 2021 anthology This Is What America Looks Like Fiction and Poetry from D.C. Maryland, and Virginia. Her new novel, THE OTHER BEAUTIFUL PEOPLE. (Regal House Publishing) will be published on June 2, 2026.Jona Colson's poetry collection, Said Through Glass, won the 2018 Jean Feldman Poetry Prize from WWPH. He teaches English at Montgomery College. Notably, in addition to his role as co-president, he is the poetry editor of WWPH Writes, our bi-weekly literary journal, and the co-editor of This Is What America Looks Like: Poetry and Fiction from D.C., Maryland, and Virginia. He is also the translator for Aguas/Waters by Miguel Avero, our first work in translation, published in May 2024. Rion Amilcar Scott was born in Washington, D.C. and grew up in Silver Spring, Maryland. His parents are from Trinidad and came to the United States to study at Howard University. He graduated from George Mason University and teaches at The University of Maryland, College Park. His book Insurrections: Stories is available from DCPL2019:The World Doesn't Require You  is available from DCPL Brian Allen Carr is an Aspen Words Finalist and two time Wonderland Book Award winner.His books include Opioid, Indiana, Bad Foundations and several others.He is from Texas and lives in Indiana.His novel Sip is available through DCPL.His novel Opioid, Indiana is available through DCPL.*********************************************************************************************************************************************Credits Dream Pop by HoliznaCC0 is licensed under a CC0 1.0 Universal License.https://freemusicarchive.org/music/holiznacc0/only-in-the-milky-way-part-3/dream-pop/Dark Ambient Music (Death And Forever) by TheBoseDeity is licensed under the Attribution NonCommercial 3.0 License.https://freesound.org/people/TheBoseDeity/sounds/395691/ 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/ kalas by Uncle Milk is licensed under a CC0 1.0 Universal License.https://freemusicarchive.org/music/microSong_Challenge/2015021275957958/kalas_1886/ Function! by junior85 is licensed under a CC0 1.0 Universal License.https://freemusicarchive.org/music/microSong_Challenge/2015021275957958/junior85_-_07_-_Function/  Re-Function! by junior85 is licensed under a CC0 1.0 Universal License.https://freemusicarchive.org/music/microSong_Challenge/2015021275957958/junior85_-_08_-_Re-Function/ Tipping Point by Ellennerv is licensed under a CC0 1.0 Universal License.https://freemusicarchive.org/music/microSong_Challenge/2015021275957958/Tipping_Point/ Pasty Cline “I'm Gonna Walk Some Dog” is in the public domain and is an official record of the United States Army. Armed Forces Radio Service.  Arkansas Traveler by ecfike is licensed under a CC0 licensehttps://freesound.org/people/ecfike/sounds/135127/All audio comments are consented to by the The Labs Consent and Release form.  Chorale by Andrew Christopher Smith is licensed under a Attribution-Noncommercial-Share Alike 3.0 United States License.Orbiting A Distant Planet by Quantum Jazz is licensed under a Attribution-ShareAlike 3.0 International License.Palimpseste by Iliaque is licensed under a Attribution-NonCommercial-ShareAlike 4.0 International License.SOLO ACOUSTIC GUITAR by Jason Shaw is licensed under a Attribution 3.0 United States License.Times square 1700.m4a by olofguf is licensed under CC0. https://freesound.org/people/olofgud/sounds/639703/ 

Is a recycle bin a “vehicle”? Does a car antenna ripping a coat fall under the Vehicles peril? How about a poorly secured wedding dress in the backseat of a convertible? If you occasionally win a biking competition, does the loss of your bike trigger business property coverage? Join Mike, Tim, and Alissha for the lightning round and discuss bikes, eBikes, sleds, boats, and more.   Notable Timestamps   [ 00:15 ] - The insured is an avid cyclist who occasionally wins money from his hobby. Another cyclist cut him off and he crashed his bike into a tree while at a park, destroying the bike.   [ 01:13 ] - Mike & Alissha share personal stories, including a disastrous encounter with a parked car.   [ 03:47 ] - The bike itself is Coverage C Personal Property as there's an exclusion for motor vehicles, but not for vehicles.   [ 07:04 ] - There is a Named Peril for losses caused by vehicles. Courts interpret this broadly to mean anything from boats to sleds; rollerblades and recycle bins might be pushing it.   [ 09:22 ] - The force / weight / momentum of the vehicle must cause the loss. The team goes through a lightning quiz round exploring a variety of mini-scenarios on the vehicles peril.   [ 13:53 ] - Depreciation can be subtracted when the bike is replaced if it was paid under ACV.    [ 14:29 ] - Although the insured occasionally won money, that likely doesn't qualify it as a business.   [ 15:18 ] - eBikes present novel issues due to the motor vehicles exclusion, so PLRB has prepared detailed resources on this issue.   [ 17:12 ] - Tim provides a recap of the scenario and the points above.   Your PLRB Resources   Detailed annotation on Vehicles Peril - https://search.plrb.org/?dn=151&src=gsa   Legacy podcast on “The Coverage Contrarian: E-Bike Coverage Under a Homeowners Policy” - https://www.plrb.org/distlearn/podcasts/index.cfm?id=a0066   Coverage Question on “E-Bike Excluded Under "All Other Motorized Land Conveyances" Language” - https://search.plrb.org/?dn=74811&src=gsa   Adjuster Resource Sheet on “Analysis of Coverage for an E-Bike Accident under a Homeowners Policy” (includes a link to a 50-state compendium) - https://search.plrb.org/?DN=77489   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/container.cfm?conlink=sec/cq/default.cfm) 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). https://freesound.org/people/univ_lyon3/sounds/541432/ https://fontawesome.com/icons/bicycle?f=classic&s=solid  

Comprehensive coverage of the day's news with a focus on war and peace; social, environmental and economic justice. Ukraine flag map sticker, geography illustration vector. Free public domain CC0 image. Activists sue over conditions at “Alligator Alcatraz” immigrant detention center; UNICEF mourns 7 children killed in Gaza while waiting for water at aid site; Trump announces weapons deal for Ukraine as his frustration with Putin grows Teamsters expand nationwide trash work stoppage in solidarity with Boston workers; Activists sound alarm over toxic metals after Moss Landing battery-storage fire in Monterey County; CA sues Trump over education grant freeze, including $939 million for CA The post Trump announces weapons deal for Ukraine; Activists sue over conditions at “Alligator Alcatraz” immigrant detention center – July 14, 2025 appeared first on KPFA.

In this special guided meditation, Jo invites you to release fear and reconnect with the intuitive voice within. If you've been feeling anxious, blocked, or unsure of your next step, this gentle practice will help quiet your mind and open your heart to deep, peaceful guidance.Breathe. Listen. Trust. All is truly well.Perfect for your morning, evening, or anytime you need clarity.Follow the Jo Willow Rose Podcast for soulful storytelling, meditations, and uplifting messages.

In this episode of the Teach Different podcast, Dan and Steve Fouts explore the wisdom of Benjamin Franklin through the quote, “By failing to prepare, you are preparing to fail.”. They discuss the claim of the quote: the importance of preparation is essential in setting yourself up for success. They explore the counterclaim: the importance of going with the flow instead of preparing too much, especially when it comes to teaching and parenting. Lastly, they pose some essential questions for further considerations in your discussions of the quote.   Image Source: Joseph-Siffred Duplessis, CC0, via Wikimedia Commons https://upload.wikimedia.org/wikipedia/commons/3/3b/Benjamin_Franklin_%281706%E2%80%931790%29_MET_DP312881.jpg  

This is a replay of an episode originally aired on Apr 22, 2025. 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).

Thanks to Micah for suggesting this week's topic, the trilobite! Further reading: The Largest Trilobites Stunning 3D images show anatomy of 500 million-year-old Cambrian trilobites entombed in volcanic ash Strange Symmetries #06: Trilobite Tridents Trilobite Ventral Structures A typical trilobite: Isotelus rex, the largest trilobite ever found [photo from the first link above]: Walliserops showing off its trident [picture by TheFossilTrade - Own work, CC BY-SA 4.0, https://commons.wikimedia.org/w/index.php?curid=133758014]: Another Walliserops individual with four prongs on its trident [photo by Daderot, CC0, via Wikimedia Commons]: Show transcript: Welcome to Strange Animals Podcast. I'm your host, Kate Shaw. This week we're going to learn about an ancient animal that was incredibly successful for millions of years, until it wasn't. It's a topic suggested by Micah: the trilobite. Trilobites first appear in the fossil record in the Cambrian, about 520 million years ago. They evolved separately from other arthropods so early and left no living descendants, that they're not actually very closely related to any animals alive today. They were arthropods, though, so they're distantly related to all other arthropods, including insects, spiders, and crustaceans. The word trilobite means “three lobes,” which describes its basic appearance. It had a head shield, often with elaborate spikes depending on the species, and a little tail shield. In between, its body was segmented like a pillbug's or an armadillo's, so that it could flex without cracking its exoskeleton. Its body was also divided into three lobes running from head to tail. Its head and tail were usually rounded so that the entire animal was roughly shaped like an oval, with the head part of the oval larger than the tail part. It had legs underneath that it used to crawl around on the sea floor, burrow into sand and mud, and swim. Some species could even roll up into a ball to protect its legs and softer underside, just like a pillbug. Because trilobites existed for at least 270 million years, there were a lot of species. Scientists have identified about 22,000 different species so far, and there were undoubtedly thousands more that we don't know about yet. Most are about the size of a big stag beetle although some were tinier. The largest trilobite found so far lived in what is now North America, and it grew over two feet long, or more than 70 centimeters, and was 15 inches wide, or 40 cm. It's named Isotelus rex. I. rex had 26 pairs of legs, possibly more, and prominent eyes on the head shield. Scientists think it lived in warm, shallow ocean water like most other trilobites did, where it burrowed in the bottom and ate small animals like worms. There were probably other species of trilobite that were even bigger, we just haven't found specimens yet that are more than fragments. Because trilobites molted their exoskeletons the way modern crustaceans and other animals still do, we have a whole lot of fossilized exoskeletons. Fossilized legs, antennae, and other body parts are much rarer, and preserved soft body parts are the rarest of all. We know that some trilobite species had gills on the legs, some had hairlike structures on the legs, and many had compound eyes. A specimen with preserved eggs inside was also found recently. Some incredibly detailed trilobite fossils have been found in Morocco, including details like the mouth and digestive tract. The detail comes from volcanic ash that fell into shallow coastal water around half a billion years ago. The water cooled the ash enough that when it fell onto the trilobites living in the water, it didn't burn them. It did suffocate them, though, since so much ash fell that the ocean was more ash than water. The ash was soft and as fine as powder, and it covered the trilobites and protected their bodies from potential damage, while also preserving the body details as they fos...

Featured on Bobkepple: Cat-astrophe - by Lynne Lumsden Green - narrated by Jon Dee A Handful of Limericks - by Julie Wornan - narrated by Jimbo Tabby - by J.S. O'Keefe - narrated by Mark Sexton Crystal Clear - by Joseph Sullivan Our Audio License AntipodeanSF Radio Show by Ion Newcombe is licensed under CC BY-NC-ND 4.0 Featured Music Gang of alley cats by Komiku is licensed under a CC0 1.0 Universal License. The Last Transmission of a Doomed Astronaut by Aldous Ichnite is licensed under a Attribution-NonCommercial 4.0 International License. Waltzing Mouse by Dee Yan-Key is licensed under a Attribution-NonCommercial 4.0 International License. Crystal chamber 1 by Almusic34 is licensed under a Attribution 4.0 International License. Intro & Outro Music Celestial Navigation by Blue Dot Sessions is licensed under a Attribution-NonCommercial License

Summary: Two Mazari Girls are held captive by a grey-lobed abberation. Of Special Note: On tonight's Creature Legends, learn what the Tribe does not know about their hidden foe, the Sillian. Download Chapter 145: Greymalkin Download All Future Episodes & Bonus Episodes --HERE-- 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 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. The following music for The Iron Realm Podcast was contributed to The Iron Realm by Max at Coltrin Compositions: Tensions Rising Illeria (Night) I edited tracks for volume, length, pitch, and mood. Find Coltrin Compositions online on: Max's Patreon Max's YouTube Max's aforementioned audio is included with permission. VIEW ALSO the Video Edition of Bonus Cast 66 which showcases the João Luiz miniatures on YouTube: Iron Realm Miniatures by DailyHeroForge 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!

This is a replay of an episode originally aired on Apr 15, 2025. 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).

The insured's kitchen sink wasn't draining well. A plumber scoped the line and found tree roots blocking it. The only fix is to dig up and replace the pipe. The adjuster checked the HO3 (2011) exclusions but didn't find one specifically for tree roots. Do others apply? Notable Timestamps [ 00:45 ] – The adjuster checks the ISO HO3 (2011) policy but finds no explicit exclusion for damage caused by tree roots. [ 04:44 ] – Tree root damage exclusions can exist in some policies, but are rare. If clearly written, they're usually enforceable. [ 05:30 ] – Lacking that, adjusters must look at general exclusions. The team explores all possibilities, including wear and tear, inherent vice, and non-fortuitous loss. [ 06:14 ] – Does wear and tear apply? Tree root intrusion may be interpreted as gradual, expected deterioration, not sudden damage. [ 07:14 ] – "Insurance covers risks, not costs." Damage expected to happen over time (like root growth) may fall outside coverage. [ 10:12 ] – Earth movement was suggested as an exclusion. It's debatable whether tree roots pushing soil could qualify as "earth movement." [ 12:08 ] – Inherent vice is another possible exclusion, if pipe failure resulted from defective materials rather than external damage. [ 13:03 ] – Faulty maintenance or neglect may apply if the homeowner ignored known tree root issues or failed to maintain the system. [ 14:01 ] – If pipe damage is covered, costs to dig up the lawn may also be covered as part of the repair. [ 15:00 ] – But if the loss is excluded, tear-out costs likely aren't covered unless tied to investigation or specifically included. [ 16:04 ] – The bottom line: coverage depends on facts, foreseeability, and exclusions. Without a tree root exclusion, outcomes are uncertain. Your PLRB Resources FAQ: Tree Root Losses - https://www.plrb.org/documents/tree-root-losses/ Coverage Question: Tree Root Damage: Fortuitous or Non-Fortuitous? - https://www.plrb.org/documents/tree-root-damage-fortuitous-or-non-fortuitous-pcq-2022-01-21-dwf-b/ 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).

Can we use AI to improve how we handle conflict? Or even to end the worst conflicts that are happening all around us? That's the subject of the new book of our guest in this episode, Simon Horton. The book has the bold title “The End of Conflict: How AI will end war and help us get on better”.Simon has a rich background, including being a stand-up comedian and a trapeze artist – which are, perhaps, two useful skills for dealing with acute conflict. He has taught negotiation and conflict resolution for 20 years, across 25 different countries, where his clients have included the British Army, the Saudi Space Agency, and Goldman Sachs. His previous books include “Change their minds” and “The leader's guide to negotiation”.Selected follow-ups:Simon HortonThe End of Conflict - book websiteThe Better Angels of our Nature - book by Steven PinkerCrime in England and Wales: year ending March 2024 - UK Office of National StatisticsHow Martin McGuinness and Ian Paisley forged an unlikely friendship - Belfast TelegraphReview of Steven Pinker's Enlightenment Now by Scott AaronsonA Detailed Critique of One Section of Steven Pinker's Chapter “Existential Threats” by Philosophy TorresEnd Times: Elites, Counter-Elites, and the Path of Political Disintegration - book by Peter TurchinWhy do chimps kill each other? - ScienceUsing Artificial Intelligence in Peacemaking: The Libya Experience - Colin Irwin, University of LiverpoolRetrospective on the Oslo Accord - New York TimesRemeshPolis - Democracy TechnologiesWaves: Tech-Powered Democracy - DemosMusic: Spike Protein, by Koi Discovery, available under CC0 1.0 Public Domain DeclarationReal Talk About MarketingAn Acxiom podcast where we discuss marketing made better, bringing you real...Listen on: Apple Podcasts Spotify Digital Disruption with Geoff Nielson Discover how technology is reshaping our lives and livelihoods.Listen on: Apple Podcasts Spotify

Our guest in this episode is Nate Soares, President of the Machine Intelligence Research Institute, or MIRI.MIRI was founded in 2000 as the Singularity Institute for Artificial Intelligence by Eliezer Yudkowsky, with support from a couple of internet entrepreneurs. Among other things, it ran a series of conferences called the Singularity Summit. In 2012, Peter Diamandis and Ray Kurzweil, acquired the Singularity Summit, including the Singularity brand, and the Institute was renamed as MIRI.Nate joined MIRI in 2014 after working as a software engineer at Google, and since then he's been a key figure in the AI safety community. In a blogpost at the time he joined MIRI he observed “I turn my skills towards saving the universe, because apparently nobody ever got around to teaching me modesty.”MIRI has long had a fairly pessimistic stance on whether AI alignment is possible. In this episode, we'll explore what drives that view—and whether there is any room for hope.Selected follow-ups:Nate Soares - MIRIYudkowsky and Soares Announce Major New Book: “If Anyone Builds It, Everyone Dies” - MIRIThe Bayesian model of probabilistic reasoningDuring safety testing, o1 broke out of its VM - RedditLeo Szilard - Physics WorldDavid Bowie - Five Years - Old Grey Whistle TestAmara's Law - IEEERobert Oppenheimer calculation of p(doom)JD Vance commenting on AI-2027SolidGoldMagikarp - LessWrongASMLChicago Pile-1 - WikipediaCastle Bravo - WikipediaMusic: Spike Protein, by Koi Discovery, available under CC0 1.0 Public Domain DeclarationReal Talk About MarketingAn Acxiom podcast where we discuss marketing made better, bringing you real...Listen on: Apple Podcasts Spotify Digital Disruption with Geoff Nielson Discover how technology is reshaping our lives and livelihoods.Listen on: Apple Podcasts Spotify

Join us as we celebrate the publication of Grit and Gravity, volume 11 of the Grace and Gravity series, a series dedicated to women writers in the DC area.  Christina Tudor and Cynthia Via are two of the excellent writers in the series. (and are both alums of the DC Public Library writers workshops). We chat briefly with Melissa Scholes Young, the editor of the series. As part of a new spot on writers and their jobs and the business of writing, we talk to OF Cieri.     Credits Dream Pop by HoliznaCC0 is licensed under a CC0 1.0 Universal License.https://freemusicarchive.org/music/holiznacc0/only-in-the-milky-way-part-3/dream-pop/Dark Ambient Music (Death And Forever) byTheBoseDeity is licensed under the Attribution NonCommercial 3.0 License.https://freesound.org/people/TheBoseDeity/sounds/395691/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/ Inside the Crystal Cave by Kate Kody is licensed under a Attribution 4.0 International License.https://freemusicarchive.org/music/kate-kody/single/inside-the-crystal-cave/$x4 (MicroSong) by sthm is licensed under a CC0 1.0 Universal License.https://freemusicarchive.org/music/microSong_Challenge/2015021275957958/x4_MicroSong/kalas by Uncle Milk is licensed under a CC0 1.0 Universal License.https://freemusicarchive.org/music/microSong_Challenge/2015021275957958/kalas_1886/Function! by junior85 is licensed under a CC0 1.0 Universal License.https://freemusicarchive.org/music/microSong_Challenge/2015021275957958/junior85_-_07_-_Function/ Re-Function! by junior85 is licensed under a CC0 1.0 Universal License.https://freemusicarchive.org/music/microSong_Challenge/2015021275957958/junior85_-_08_-_Re-Function/Tipping Point by Ellennerv is licensed under a CC0 1.0 Universal License.https://freemusicarchive.org/music/microSong_Challenge/2015021275957958/Tipping_Point/Pasty Cline “I'm Gonna Walk Some Dog” is in the public domain and is an official record of the United States Army. Armed Forces Radio Service.  Arkansas Traveler by ecfike us licenssed under a CC0 licensehttps://freesound.org/people/ecfike/sounds/135127/All audio comments are consented to by the The Labs Consent and Release form. 

A wealthy couple is murdered after a glamorous party—jewelry stolen, town abuzz. Their estate files an HO3 claim for the stolen jewelry and loss in home value due to the stigma. But does the policy cover reputational "diminution in value"?   Notable Timestamps [ 00:37 ] - The scenario involves a wealthy couple poisoned in their mansion, with jewelry stolen and a claim submitted under their HO3 policy ISO 2011 edition. [ 01:39 ] - Trivia Time! Who are the six main characters of the board game Clue? [ 03:40 ] - Diminution in value refers to a property's market value being less than before a loss, even after full physical repair, due to stigma. [ 04:35 ] - The common argument against covering diminution in value is that policies typically cover physical loss and physical repair, not consequential or economic losses. [ 06:16 ] - First-party auto and property policies share similar loss settlement language. [ 07:47 ] - In Royal Capital Dev., LLC v. Maryland Cas. Co., No. S12Q0209, 2012 WL 1909842, — S.E.2d — (Ga. 5/29/12) [reviewed at PLRB, Prop. Ins. L. Rev. 8462 (2012)], the court allowed for diminution in value in a first-party property claim, drawing an analogy to auto claims. [ 08:50 ] - If there were physical traces like blood or bullet holes from the murders, it could potentially establish a physical loss, strengthening an argument for diminution in value, even if the cleanup cost itself is minimal. [ 10:28 ] - Real estate experts or appraisers could testify by comparing the home's value without the incident to similar properties affected by negative events. [ 13:04 ] - It's crucial to check your jurisdiction; while Georgia allows it, many states disallow it, and others have no specific case law on the matter. [ 14:00 ] - Tim provides a recap of the points above. Your PLRB Resources FAQ: Diminution in Value in First Party Property Claims - https://www.plrb.org/documents/diminution-in-value-in-first-party-property-claims/ Coverage Question: Pet Dog Attacked Owner; Blood on Carpet - https://www.plrb.org/documents/pet-dog-attacked-owner-blood-on-carpet-pcq-2023-10-27-twh-b/ 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).

John, a self-employed trucker, injures himself fixing his rig “Betsy” (1st PIP claim). Later, he's hurt again when a mechanic's shuttle van crashes (2nd PIP claim). Two accidents, two PIP claims—one while working, one as a passenger—make for a rough day.   Notable Timestamps [ 00:17 ] - John has two injury claims in Michigan: a slip and fall while working on his truck (Injury 1) and being rearended while a passenger in a mechanic's shuttle van (Injury 2). [ 01:02 ] - Michigan was once the most expensive state for car insurance but has fallen to the sixth most expensive according to insure.com as of May 25. Which was the cheapest? [ 02:22 ] - Michigan's standard PIP statute under MCL § 500.3114 dictates that the named insured generally collects benefits under their own auto insurance policy, not the policy covering the vehicle involved in the accident. [ 02:49 ] - There are exceptions to the Michigan PIP priority rule, including when an insured is injured as an occupant of a vehicle owned by or registered to their employer or while a passenger in a vehicle used in the business of transporting passengers. [ 04:04 ] - For John's first injury (slip and fall), regarding the "owned by employer" exception, a Michigan appellate court in the reviewed case held the truck was owned by both John (the driver/title holder) and the leasing company (Shoulder Trucking). [ 05:36 ] - The court in this scenario found that he was an employee of himself as an independent contractor, leading his commercial insurance carrier to take priority. [ 07:09 ] - For John's second injury (shuttle van), the key statutory exception language relates to being a passenger in a vehicle "used in the business of transporting passengers". [ 07:52 ] - The phrase "in the business of transporting passengers" is construed in Michigan using a two-prong test from a seminal case: 1) whether transporting passengers was the primary purpose for the vehicle's use, and 2) whether the transportation was incidental to the overall business or activity. [ 08:55 ] - Applying the two-prong test to the mechanic's shuttle van involves considering factors like whether the service was free (suggesting incidental) or regularly offered (suggesting primary purpose or not incidental). The court in the case discussed did not decide this issue for the shuttle van, sending it back to the finder of fact. [ 09:39 ] - Brennan provides a recap of the scenario and the points above. Your PLRB Resources Case Law Review: Smith v. Farm Bureau Mut. Ins. Co. of Mich. (2025) https://www.plrb.org/documents/smith-v-farm-bureau-mut-ins-co-of-mich-2025/ Case Law Review: Miclea v. Cherokee Ins. Co. https://www.plrb.org/documents/miclea-v-cherokee-ins-co/ PLRB State-By-State Survey on PIP, Michigan → “Priority” https://www.plrb.org/documents/michigan-pip-compendium/#priority Case Law Review: Bender v. USAA Gen. Indem. Co. (2025) https://www.plrb.org/documents/bender-v-usaa-gen-indem-co-2025/ 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 savage Echo discovers that another girl like her, has been thrown into the Goblin Pits. Of Special Note: Prepare yourself, Traveller. Dire Test Six is visited this night upon you. Download Chapter 144: The Origin of Echo & Kaylana Download All Future Episodes & Bonus Episodes --HERE-- 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 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. The following music for The Iron Realm Podcast was contributed to The Iron Realm by Max at Coltrin Compositions: Serene Psychosis Hollow Whispers On The Wind Experiment I edited tracks for volume, length, pitch, and mood. Find Coltrin Compositions online on: Max's Patreon Max's YouTube Max's aforementioned audio is included with permission. A thank you for the following recording by Scribbler: Custom Audio created for The Iron Realm I edited tracks for volume, length, pitch, and mood. Click here to visit Scribbler on Twitter X Scribbler's aforementioned audio is included on The Iron Realm with 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!

Our guest in this episode is Henry Shevlin. Henry is the Associate Director of the Leverhulme Centre for the Future of Intelligence at the University of Cambridge, where he also co-directs the Kinds of Intelligence program and oversees educational initiatives. He researches the potential for machines to possess consciousness, the ethical ramifications of such developments, and the broader implications for our understanding of intelligence. In his 2024 paper, “Consciousness, Machines, and Moral Status,” Henry examines the recent rapid advancements in machine learning and the questions they raise about machine consciousness and moral status. He suggests that public attitudes towards artificial consciousness may change swiftly, as human-AI interactions become increasingly complex and intimate. He also warns that our tendency to anthropomorphise may lead to misplaced trust in and emotional attachment to AIs.Note: this episode is co-hosted by David and Will Millership, the CEO of a non-profit called Prism (Partnership for Research Into Sentient Machines). Prism is seeded by Conscium, a startup where both Calum and David are involved, and which, among other things, is researching the possibility and implications of machine consciousness. Will and Calum will be releasing a new Prism podcast focusing entirely on Conscious AI, and the first few episodes will be in collaboration with the London Futurists Podcast.Selected follow-ups:PRISM podcastHenry Shevlin - personal siteKinds of Intelligence - Leverhulme Centre for the Future of IntelligenceConsciousness, Machines, and Moral Status - 2024 paper by Henry ShevlinApply rich psychological terms in AI with care - by Henry Shevlin and Marta HalinaWhat insects can tell us about the origins of consciousness - by Andrew Barron and Colin KleinConsciousness in Artificial Intelligence: Insights from the Science of Consciousness - By Patrick Butlin, Robert Long, et alAssociation for the Study of ConsciousnessOther researchers mentioned:Blake LemoineThomas NagelNed BlockPeter SengeGalen StrawsonDavid ChalmersDavid BenatarThomas MetzingerBrian TomasikMurray ShanahanMusic: 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 Real Talk About MarketingAn Acxiom podcast where we discuss marketing made better, bringing you real...Listen on: Apple Podcasts Spotify

A "FastFeast" driver ends their shift but forgets to log out of the app. On the way home, they crash—and their insurance denies the claim. Why? They were still “on the job.” In the gig economy, one tap can mean the difference between coverage and denial.   Notable Timestamps [ 00:01 ] - The core scenario involves a driver for the delivery app FastFeast who had an accident on the way home after their shift and whose insurance claim was denied because they were still logged into the app. [ 02:07 ] - A ghost kitchen is a delivery-only establishment with no physical storefront that exists solely on delivery apps. Some ghost kitchens are linked to existing restaurants, like one possibly operating out of Chuck E. Cheese kitchens... [ 05:14 ] - Many personal auto policies, including older ones still in use, contain a livery or public conveyance exclusion that can apply if the vehicle is being used for ridesharing. [ 07:15 ] - Applying the livery exclusion may lead to coverage issues when a rideshare driver is actively transporting passengers during an accident. [ 08:10 ] - Under older livery language, it becomes ambiguous if an accident occurs while a driver is merely logged into the app awaiting an assignment but not actively carrying passengers or property. [ 11:11 ] - The definition of "livery" in these exclusions has been debated in courts; a majority interpret it to include both passengers and property (cargo), while a minority have limited it to passengers only. [ 14:21 ] - Modern exclusionary language for transportation network companies (TNCs) is designed to be less ambiguous than older livery clauses, often excluding coverage simply if the driver is logged into the TNC's digital network, regardless of whether they have an active customer. [ 17:09 ] - Brennan provides a recap of the scenario and the points above. Your PLRB Resources Coverage Question: “Does The “Livery Or Public Conveyance” Exclusion Apply To An Insured Logged Onto Door Dash But Not Making A Delivery? 2024.06.19” https://www.plrb.org/documents/does-the-livery-or-public-conveyance-exclusion-apply-to-an-insured-logged-onto-door-dash-but-not-making-a-delivery/?search=ride%20sharing%20exclusion Coverage Question: “Does A Rideshare Exclusion Apply To An Insured Who Is Only Logged On To The Uber App? – 2024.03.04” https://www.plrb.org/documents/does-a-rideshare-exclusion-apply-to-an-insured-who-is-only-logged-on-to-the-uber-app-2024-03-04/?search=ride%20sharing%20exclusion Emerging Issues: “Does a PAP Provide Coverage for Delivery Drivers Using Personal Vehicles with the Emergence of Ride-sharing Services Like Uber/Lyft/Grubhub? “https://www.plrb.org/documents/does-a-pap-provide-coverage-for-delivery-drivers-using-personal-vehicles-with-the-emergence-of-ride-sharing-services-like-uber-lyft-grubhub/?search=ride%20sharing%20exclusion#passorprop Case Law Review: Bender v. USAA Gen. Indem. Co. (2025) https://www.plrb.org/documents/bender-v-usaa-gen-indem-co-2025/ 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 insured, a widow with two adult kids, dies in a house fire. Her son, who planned to move out soon, escapes unharmed. Her daughter, who lives out of state but stores a drum set in the basement, is the executrix and returns home to handle next steps and insurance.   Notable Timestamps [ 01:00 ] - The son planned to move into his girlfriend's apartment by the end of the month [ 02:00 ] - The death clause in the HO3 form is explained as a critical provision ensuring the dwelling remains covered after the named insured's death until the estate can be settled.  [ 03:00 ] - The policy language of the death clause states that the legal representative of the deceased is insured for the premises and property.  [ 04:00 ] - A legal representative is typically the judicially appointed executor or administrator, not just an heir. [ 05:00 ] - Courts have generally held that the death clause overrides the personal property of others clause, which would likely preclude coverage for the daughter's drum set as she was not a resident insured at the time of the fire.  [ 06:00 ] - The son, who was living in the house at the time of the fire, is covered for his personal property, though he cannot make a claim for the dwelling itself.  [ 08:00 ] - The son's ALE coverage would cease if he moves in with his girlfriend, and the daughter is not entitled to ALE because she was not a member of the household at the time of the named insured's death.  [ 09:00 ] - The difference in ALE coverage for the son and daughter reflects the insurance policy's goal to maintain the pre-loss situation, covering the resident son but not the non-resident daughter.  [ 10:00 ] - Coverage under the death clause is intended as a temporary measure providing peace of mind to the family while they settle affairs, and it ends once the estate is settled.  [ 11:00 ] - If the legal representative deeds the house to themselves after the named insured's death but before a loss, coverage under the original policy terminates because the insurance follows the named insured's personal interest, not just the property.  [ 12:00 ] - Once the property is deeded to new owners (even family members), they must obtain their own insurance for coverage.  [ 13:00 ] - John provides a recap of the scenario and the points above. Your PLRB Resources Annotation on the Death Clause - https://www.plrb.org/documents/death-ho120/?search=death Coverage Question: “Does the Death Clause Prevent the Insurer From Cancelling the Policy?” - https://www.plrb.org/documents/does-the-death-clause-prevent-the-insurer-from-cancelling-the-policy-pcq-2019-11-19-twh-a/?search=death%20clause Case Law Review: “Insurable Interest Lost When Executor Transferred Property To Self” - https://www.plrb.org/documents/archer-v-cotton-states-mutual-ins-co-2010/ 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).

Featured on Bitias: Tome of the Devourer - by Joseph Sullivan Last Love - By A J Dalton Whispers in the Outback - by Vincent Hooper - narrated by Jimbo Our Audio License AntipodeanSF Radio Show by Ion Newcombe is licensed under CC BY-NC-ND 4.0 Featured Music Liquid Surreal Dreaming by John Bartmann is licensed under a CC0 1.0 Universal License. Epic Vista | Moving Orchestral Electronic Commercial Soundtrack Music by John Bartmann is licensed under a CC0 1.0 Universal License. Whispers by Hyson is licensed under a Attribution License. Intro & Outro Music Celestial Navigation by Blue Dot Sessions is licensed under a Attribution-NonCommercial License

A windstorm-caused power outage at the Cheesecake Manufactory led to the spoilage of hundreds of cheesecakes and a business income loss. The adjuster is questioning if the windstorm deductible applies to the claim, despite the power outage being the direct cause of the spoilage.   Notable Timestamps [ 00:00 ] - The scenario presented involves a windstorm that caused a power outage, leading to spoiled cheesecakes and a claim for spoilage and lost business income, raising the central question of whether the windstorm deductible applies given the chain of events. [ 01:30 ] - Trivia: Where did the maximum natural wind gust ever recorded occur? [ 03:00 ] - The windstorm deductible endorsement states it applies to losses "caused directly or indirectly by windstorm or hail", but this language, even with "indirectly," can still lead courts to perform a proximate cause analysis, often leaving the "dominant and efficient cause" determination to a jury, unlike clearer anti-concurrent causation language. [ 04:30 ] - While "directly or indirectly" might address some indirect causation issues, the very definition of "windstorm" is not straightforward and is heavily subject to interpretation by courts based on specific case facts. [ 06:00 ] - Case law interpretations of "windstorm" can be narrow, such as a Rhode Island case finding high winds didn't qualify due to excessive rain; or surprising, like a Texas court holding a tornado was not a windstorm for deductible purposes. [ 07:30 ] - Is a tornado the epitome of a windstorm? Depends on who you ask... [ 09:00 ] - When two different endorsement provisions contain irreconcilable conflicts, such as both stating that "no other deductible applies" to the coverage they provide, a court might determine that no deductible applies at all. [ 12:00 ] - The business income claim follows a chain of events from the windstorm to the power outage and then the spoilage. The business income loss specifically results from the inability to operate due to the spoiled inventory, which might also involve potential Extra Expense. [ 13:30 ] - Brennan provides a recap of the scenario and the points above. Your PLRB Resources 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 Turner Construction Co. v. ACE Prop. & Cas. Ins. Co., No. 04-4451-CV, 2005 WL 2837575, — F.3d — (2d Cir. 10/28/05) (applying Texas law) reviewed at PLRB, Prop. Ins. L. Rev. 6978 (2005) Windstorm Deductible – Food Spoilage – BI – PCQ.2024.07.26.twh.a - https://www.plrb.org/documents/windstorm-deductible-food-spoilage-bi-pcq-2024-07-26-twh-a/?search=power%20outage%202024 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).

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).

Hidden dangers in bodies of water are something a lot of people don't think about until it's too late. Things like strong currents, sudden drop-offs, or even hidden debris can be really risky, especially if you're swimming or boating. Sometimes the water looks calm on the surface but hides serious dangers underneath. Knowing about these things can help you stay safe and avoid scary situations. It also helps you feel more confident when you're out enjoying lakes, rivers, or the ocean. Being prepared can literally save lives. CreditsCredit: Dora and the Lost City of Gold / Paramount Players and co-producers Quicksand! / Engel Entertainment and co-producer La chèvre / Gaumont International and co-producers White Shepherd: by Ildar Sagdejev, CC BY-SA 4.0 https://creativecommons.org/licenses/by-sa/4.0/, 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:2008-08-22_White_German_Shepherd_swimming_in_algae.jpg CC0 1.0 https://creativecommons.org/publicdomain/zero/1.0/: Aplysiatoxin2: by Anagkai, https://commons.wikimedia.org/wiki/File:Aplysiatoxin2.svg The Cyanobacteria: by Berkshire Community College Bioscience Image Library, https://commons.wikimedia.org/wiki/File:Video-_The_Cyanobacteria-_Oscillatoria_and_Gleocapsa.webm Quicksand in Courthouse: by Arches National Park, CC BY 2.0 https://creativecommons.org/licenses/by/2.0/, https://flic.kr/p/fQsv2s, https://commons.wikimedia.org/wiki/File:Quicksand_in_Courthouse_Wash_(9737357112).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

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!

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.

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!

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).

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.

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