Podcasts about cc0

Reilly Steel, associate professor of law at Columbia Law School, talks about the ways that businesses interact with politics, especially as it relates to their public support (or lack thereof) of LGBTQ issues during Pride month.Photo: DimiTalen, LGBT pride flags, Zeedijk, Amsterdam, 2022, Date 2 August 2022, 11:13:15, CC0, via Wikimedia Commons  Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

This episode continues our investigation into the implications of advanced AI for jobs, and specifically, how to design an economic system that makes a huge success of full automation by AI.Back in 2017, Bill Gates mused that governments should address radical automation by taxing robots. Gates may not have known it at the time, but he was suggesting a Pigouvian tax. In a 1920 book called “The Economics of Welfare”, Arthur Pigou proposed levying taxes on activities that generate negative externalities — costs on third parties to a transaction. The classic example of that is pollution: a factory produces goods but creates pollution. The market price of the goods doesn't reflect the pollution costs, so the factory managers don't try very hard to minimise them.A Pigouvian tax adds the social cost of the pollution into the price, so the producer is incentivised to minimise it.Gerry Tsoukalas and Brett Falk have published a well-received paper called “The AI Layoff Trap”, which recommends introducing a Pigouvian tax on automation that eliminates human jobs. Their proposal deserves credit for taking seriously the idea that AI may well cause severe automation, perhaps full automation – i.e. the Economic Singularity.The paper describes how firms face a prisoner's dilemma. If they automate all their jobs then there will be no consumers to pay for any of their products. But if any of them don't, their automating competitors will drive them out of business. Tsoukalas and Falk point out, counter-intuitively, that the fiercer the competition, the more acute the dilemma, so if we want to hold back automation, we might be better off with monopoly-ridden economies. Selected follow-ups:Gerry TsoukalasBrett Hemenway FalkThe AI Layoff Trap - The Wharton School Research PaperPDF of the AI Layoff Trap paperArthur Pigou - WikipediaPrisoner's dilemma - Wikipedia"Microsoft AI chief gives it 18 months—for all white-collar work to be automated by AI""Chinese court rules firms can't lay off workers on AI grounds"Music: Spike Protein, by Koi Discovery, available under CC0 1.0 Public Domain DeclarationC-Suite PerspectivesElevate how you lead with insight from today's most influential executives.Listen on: Apple Podcasts Spotify

Read OnlineJesus began to speak to the chief priests, the scribes, and the elders in parables. “A man planted a vineyard, put a hedge around it, dug a wine press, and built a tower. Then he leased it to tenant farmers and left on a journey. At the proper time he sent a servant to the tenants to obtain from them some of the produce of the vineyard.” Mark 12:10–12Today's Gospel takes place during the Passover at the Temple in Jerusalem, just days before Jesus' Passion and Death. The chief priests, scribes, and elders of the people were outraged and wanted to put Jesus to death, but they feared the people who were hanging on His every word.In today's parable, the “vineyard” is a biblical metaphor for Israel. The Prophet Isaiah chastised the people of Israel for being like a fruitless vineyard, and Jesus' parable would have been immediately understood by His audience as a reference to that prophecy (cf. Isaiah 5:1–7). Fearlessly yet mercifully, Jesus brings this metaphor to life, applying it directly to Israel and the religious leaders who were present and plotting His death.Jesus' parable teaches that God is the owner of the vineyard and has provided everything necessary for it to flourish: the hedge for protection, the wine press for fruitfulness, and the tower for vigilance. These symbolize God's providence, blessings, and the spiritual resources given to His chosen people to bear fruit. The tenant farmers, to whom the vineyard is leased, represent Israel's leaders, who were entrusted with shepherding God's people.The servants sent by the owner symbolize the Old Testament prophets, whom God sent to call the people of Israel to repentance and fidelity. These prophets were often rejected, mistreated, or killed by Israel's leaders—a sobering reminder of humanity's resistance to God's call throughout history, and our resistance to His grace today.The beloved son represents Jesus Himself, sent by the Father in a final appeal for repentance. However, the tenants of Israel—now referring to the chief priests, scribes, and elders before Him—plot to kill the son, mistakenly believing they can maintain their control over the Jewish people. Their envy and pride blind them to their God-given responsibilities within the community and their duty to accept Jesus as the Messiah.Though tensions were high and anger filled the hearts of the religious leaders, Jesus spoke boldly. While the people were amazed at His authority and teaching, they were likely uncertain and fearful of what might happen next.Most people in Jesus' position, risking their lives as our Lord was, would quickly become worried for their own safety. Jesus was not. He knew the Father's will and the eternal value that would come from His Passion and Death. For that reason, He quotes Psalm 118:22–23: “The stone the builders rejected has become the cornerstone. By the LORD has this been done; it is wonderful in our eyes.”Jesus knew that He was about to be rejected: betrayed, falsely accused, arrested, tortured, and killed. Yet He also knew that He was the fulfillment of Psalm 118. He was the “stone” that, once rejected, would become the “cornerstone” of the Church and the New Covenant of grace. With this divine hope and mission in mind, Jesus didn't run and hide; He confronted rejection directly. He knew that His rejection would transform the worst—the murder of the Son of God—into the best—salvation for all who believe in Him and repent. Reflect today on Jesus' courage during that sermon as He foresaw all that would unfold that week. While we might expect such courage from the Son of God, He invites us to imitate Him. Every evil that befalls us has the potential, through grace, to become part of that cornerstone. As members of Christ's Body, the Church, we are called to courageously allow grace to transform our own rejections and sufferings in Christ. In doing so, the foundation of Christ's Church continues to be made manifest in our world today through us. My Lord, the Cornerstone of the Church, You willingly accepted and endured rejection, transforming it into the means of our eternal salvation. Grant me the courage to not only imitate You but to embrace and share in Your rejection. May my own experiences of rejection be transformed by grace into a foundation for faith in our world today. Jesus, I trust in You.  Image: Jan Rombouts I, CC0, via Wikimedia CommonsSource: Free RSS feed from catholic-daily-reflections.com — Copyright © 2026 My Catholic Life! Inc. All rights reserved. This content is provided solely for personal, non-commercial use. Redistribution, republication, or commercial use — including use within apps with advertising — is strictly prohibited without written permission.

A cat jumps on the stove to get leftovers, accidentally turns a burner, and starts a kitchen fire. The homeowner has heard of an exclusion that applies to damage caused by animals owned or kept by an insured, and is concerned that the fire will not be covered. Exactly how mad should the homeowner be with their cat? (And how long can they stay mad at that face?) Notable Timestamps [ 00:00 ] - A kitchen fire caused by a pet can initially alarm insureds who may believe the animal exclusion automatically bars coverage for any damage involving their cat or dog. [ 00:53 ] - The discussion highlights how insureds may hesitate to disclose that a pet caused the loss because they fear the claim will be denied under the policy language. [ 03:39 ] - Investigating unusual fire losses often requires origin-and-cause experts, especially when evidence suggests a stove burner was turned on without any appliance malfunction. [ 05:07 ] - The key distinction is that animal-caused property damage itself may be excluded, while the resulting fire can still qualify as a covered peril under the policy. [ 05:50 ] - Claims involving uncommon exclusions remind adjusters to carefully read the actual policy wording instead of relying on assumptions about what is or is not covered. [ 06:12 ] - Ordinary pet damage like chewing, scratching, or staining is different from a sudden accidental event such as a kitchen fire. [ 07:24 ] - Adjusters generally approach claims by looking for coverage where it exists. [ 08:45 ] - Animal exclusions are often intended to address ongoing maintenance-type damage rather than fortuitous accidental losses. [ 10:10 ] - While some courts have interpreted animal exclusions broadly, the cited cases involved extreme situations with dozens of pets causing extensive property damage. [ 11:54 ] - Maintaining good communication and rapport with insureds can help overcome misconceptions about coverage and encourage honest discussion during the investigation. Your PLRB Resources Birds, Vermin, Rodents, or Insects; Animals Owned or Kept (HO133) https://members.plrb.org/documents/birds-vermin-rodents-or-insects-animals-owned-or-kept-ho133 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).

Wildfire claims are emotional, public, and inconsistent across carriers, so adjusters often become the face of "no." Using a real fire example, we'll explore empathy, advance payments, uneven guidance, social media comparisons, and follow-through as tools to protect our reputation. Notable Timestamps [ 00:09 ] - Wildfire claims can be highly emotional and public, and adjusters often become the visible representative of difficult coverage decisions. [ 01:28 ] - PLRB recognizes Outstanding Claims Professionals not only for technical skill, but also for restoring lives and setting standards in customer service. [ 03:03 ] - Social media, neighborhood groups, and AI tools now shape insured expectations, creating more questions and adding complexity for adjusters. [ 05:16 ] - Policyholders often see claim differences as inconsistency where it may simply represent variation in policies, property details, and carrier practices. [ 06:54 ] - Adjusters build trust by explaining policies in everyday language instead of relying on technical wording or policy jargon. [ 09:29 ] - Starting conversations with what can be done, rather than limitations, helps reduce tension and discourages adversarial reactions. [ 10:28 ] - Advance payments and early support for housing and immediate needs can ease stress and strengthen the insured-adjuster relationship. [ 14:58 ] - Consistent communication matters; policyholders often prefer hearing "I don't have an answer yet" over silence or missed follow-ups. [ 16:48 ] - Listening for recurring concerns allows adjusters to anticipate needs, act proactively, and create more confidence in the claims process. Your PLRB Resources CE Course: Investigating and Resolving Different Types of Wildfire Losses https://members.plrb.org/education/courses/investigating-and-resolving-different-types-of-wildfire-losses 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 unni may be little on the outside (?), but she is just bursting with talent! In this episode, Susie and Lynn discuss Park Bo Young's roles in Strong Woman Do Bong Soon, Daily Dose of Sunshine, Light Shop, Melo Movie and Our Unwritten Seoul.(About SPOILERS: we try to avoid major plot spoilers in our discussions of different dramas, but inevitably some minor details will be revealed. If you want to avoid knowing absolutely anything about a show you haven't seen, we recommend skipping to the next segment!)(0:00) - Intro, Jal Meogisseubnida, KDrama ketchup(40:45) - Strong Woman Do Bong Soon(58:15) - Daily Dose of Sunshine(1:25:30) - Light Shop (CONTAINS SPOILERS)(1:49:45) - Melo Movie(2:28:45) - Our Unwritten Seoul(2:52:15) - Favorite Park Bo Young scenes(2:59:40) - Ask Lynn UnnithingIf you like this episode, please subscribe and leave us a rating and review!Follow us on Instagram @unnisonoppaspodUse of our theme music, “Pickled Pink” by Kevin MacLeod, is permitted under Creative Commons license CC0 1.0

Featured on Brigitta: The Costume Party - by James R. Coffey - narrated by Ed Errington Pain Simulation - by Joseph Sullivan The First of June - by Collette Night - narrated by Georgia Sykes Theophany is the Weapon - By J. Sherwood Veith Our Audio License AntipodeanSF Radio Show by Ion Newcombe is licensed under CC BY-NC-ND 4.0 Featured Music Bad News by John Bartmann is licensed under a CC0 1.0 Universal License. Vicious Accusation by John Bartmann is licensed under a CC0 1.0 Universal License./p> Old Road To Town by John Bartmann is licensed under a CC0 1.0 Universal License. Umlungu by John Bartmann is licensed under a CC0 1.0 Universal License. Intro & Outro Music Celestial Navigation by Blue Dot Sessions is licensed under a Attribution-NonCommercial License

[REPLAY] This week, check out a podcast featured in PLRB's new PACE Program: "The new PLRB Advanced Coverage Education (PACE) designation is more than a credential. It's a powerful way to strengthen your claims expertise. PACE begins with a Core Curriculum that builds a foundation in insurance basics and the claims process. From there, professionals can grow through Business LineTracks that support field-specific development, and Claims Intensives that dive deeper into essential topics like fraud and ethics. Developed with PLRB's long‑standing commitment to high‑quality education, PACE helps claims professionals work with greater clarity, consistency, and confidence. And because certification courses are included in PLRB Membership, with discounted designation fees, it's a valuable investment in both employee development and organizational success. PACE supports professionals at every stage of their careers and helps teams work more confidently and efficiently."     A brewery owner had bollards installed outside the building for safety purposes. One day a teenager veered off the road into one of the bollards, damaging it and the car. The adjuster is wondering if there should be no coverage on the basis that a bollard is a fence.   Notable Timestamps [ 00:26 ] - The building owner submits the claim to their property insurer, looking for coverage for a new bollard. They have a standard CP 00 10 10 12, which does not include coverage for fences if the cause of loss was an accidental vehicle crash.  [ 01:34 ] - Trivia time! What is a "pub" short for? How many Clydesdales are hitched to the Budweiser wagon? Lite beer was introduced into the U.S. in what decade? [ 04:15 ] - A bollard is a short pole or stump placed to prevent vehicle access without preventing pedestrian access. These may be seen at the entrances to bike paths, or out in front of buildings or arenas. [ 05:40 ] - Under the CP form, a bollard would initially fit under building coverage as an external fixture. Fences are excluded except for certain types of losses (not including this kind of loss). [ 07:30 ] - A line of bollards, like a fence, is something like a barrier that marks a boundary. But, there is no continuity between posts, and it does not prevent pedestrian access. [ 09:11 ] - A historic moment: the team agrees on something! [ 09:37 ] - Courts typically do not construe ambiguous exclusions broadly. "If it's gray, you must pay." [ 10:40 ] - Declarations Pages are typically more detailed in CP forms, and often include small structures. However, at least one court chose not to penalize an insured for failing to list a series of (light) posts. [ 12:26 ] - If a Declarations Page lists most structures specifically but omits some, that may create an issue for the insured. [ 13:25 ] - Strong subrogration potential exists here against the driver. [ 14:30 ] - A cement block wall was considered a fence... at least according to a 1959 case, and under a grant of coverage which is typically construed more broadly. [ 16:40 ] - Tim provides a recap of the scenario and the points above. Your PLRB Resources Bollards: Do They Qualify As Fences? – PCQ.2017.05.09.twh.a - https://www.plrb.org/documents/bollards-do-they-qualify-as-fences-pcq-2017-05-09-twh-a/ Annotation: Property Outside Buildings (CP622) - https://www.plrb.org/documents/property-outside-buildings-cp622/ Chippewa Country Valley Festival v. Little Black Mut Ins Co (2002) - https://www.plrb.org/documents/chippewa-country-valley-festival-v-little-black-mut-ins-co-2002/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org. Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Featured on Briggs: Medi(a)ocrity - by Col Hellmuth - narrated by Alistair Lloyd Our Audio License AntipodeanSF Radio Show by Ion Newcombe is licensed under CC BY-NC-ND 4.0 Featured Music Dungeon Of Fear by John Bartmann is licensed under a CC0 1.0 Universal License. Intro & Outro Music Celestial Navigation by Blue Dot Sessions is licensed under a Attribution-NonCommercial License

This episode continues our investigation into the potential wide-ranging implications of advanced AI for economics.Traditionally, value is said to be created by a combination of capital, which covers the cost of materials and equipment, and labour, whereby humans exercise skills, ingenuity, diligence, attention, and more. What has been a constant debate is the appropriate division of rewards between capital and labour. Critics of the operation of capitalism have often predicted that an accumulation of value within small groups of owners of capital will cause economic instabilities and a subsequent collapse. Despite these forecasts, capitalism has, so far, demonstrated great resilience, defying predictions of its collapse. But if human labour is increasingly displaced by advanced automation, the balance of labour and capital will be fundamentally changed, and capitalism will come under unprecedented pressures.That's the thesis of our guest today, Ted Shelton. David first met Ted about 25 years ago, when Ted was Chief Strategy Officer of the software development tools company Borland, and David was an executive within the early smartphone industry. Since that time, Ted has worked for a variety of companies in and around Silicon Valley, including PwC, Cognizant Technology Solutions, Catalytic, Bain, and Inflection AI. Recently, he has been giving a great deal of thought to where AI is taking the economy.Selected follow-ups:Ted Shelton's posts on LinkedIn"On the Transformation of Capitalism's Fundamental Assumptions Under Conditions of Scaling Machine Intelligence" - working paper by Ted Shelton"The Industrial Economy Is Ending. What Comes Next?" - by Ted SheltonThomas Piketty's book "Capital in the Twenty-First Century" - WikipediaNicholas Eberstadt's book "Men Without Work: America's Invisible Crisis" - WikipediaRichard Sutton's essay "Bitter Lesson" - Wikipedia"Technofeudalism" - articles by Yanis VaroufakisMusic: Spike Protein, by Koi Discovery, available under CC0 1.0 Public Domain DeclarationC-Suite PerspectivesElevate how you lead with insight from today's most influential executives.Listen on: Apple Podcasts Spotify

The roof of a 100-year-old farmhouse suddenly collapses under the weight of water. The building was insured under a farm policy that, in this case, only provided coverage for personal property and not the dwelling or real property. The insured claims that the carpet, water heater, and even ceiling tiles are all personal property, and therefore covered! What is a fixture? Notable Timestamps [ 00:00 ] - The episode explores how fixture disputes affect insurance coverage, using a collapsed farmhouse roof scenario where coverage depended on whether damaged items qualified as personal property or part of the dwelling. [ 01:18 ] - The hosts announce the launch of the PACE Program, highlighting it as a new educational resource now available for insurance professionals looking to expand their industry knowledge. [ 03:00 ] - Whether something is a fixture can impact both available coverage and policy limits. [ 06:24 ] - Built-in shelving and ceiling fans are discussed as likely fixtures because they are permanently attached, difficult to move, and generally intended to remain with the property over time. [ 08:06 ] - Portable appliances like air fryers and mini fridges are contrasted with fixtures because owners clearly intend to take them when moving, making them easier to classify as personal property. [ 09:51 ] - Wall-to-wall carpeting illustrates the gray areas in fixture analysis, as courts may examine attachment methods, customization, and whether the carpet could realistically be removed and reused elsewhere. [ 12:22 ] - Furnaces and water heaters seem like obvious fixtures, yet disputes can still arise when tenants claim ownership and argue they intended to remove the equipment when leaving the property. [ 16:52 ] - Decorative ceiling tiles from a 100-year-old farmhouse became the focus of a court case, where the court ultimately ruled they were fixtures because they enhanced the property and were intended to stay with the home. [ 21:31 ] - The closing takeaways emphasize that courts analyze factors like physical attachment, ease of removal, and the parties' intent when determining whether property qualifies as a fixture under insurance policies. Your PLRB Resources Check out the PACE Program! https://www.plrb.org/pace-program/ Dwelling - Coverage A (HO11) https://members.plrb.org/documents/dwelling-ho11#toc26 Pierce v. State Farm Fire & Cas. Co. (2020) https://members.plrb.org/documents/pierce-v-state-farm-fire-cas-co-2020 Tenant Improvements & Betterments in Commercial Cases  https://members.plrb.org/education/courses/tenant-improvements-amp-betterments-in-commercial-cases 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).

Your Unnis have had a rollercoaster of a spring season in numerous ways, which means another bonus episode for our dear listeners! Find out what Susie and Lynn have been watching amidst all the chaos.(0:00) - Intro, Susie's Brooklyn K-Pop adventure(24:40) - Susie's ketchup from The Lost Episode(38:45) - Lynn's new ketchup(1:19:55) - Susie's new ketchupIf you like this episode, please subscribe and leave us a rating and review!Follow us on Instagram @unnisonoppaspodUse of our theme music, “Pickled Pink” by Kevin MacLeod, is permitted under Creative Commons license CC0 1.0

Fique atualizado com o Boletim do RPG Next! Já imaginou fazer parte de uma comunidade que vive o RPG intensamente? Com podcasts imersivos, lives emocionantes e mesas de RPG cheias de ação, o RPG Next é a sua porta de entrada para experiências inesquecíveis no universo do RPG! Descubra tudo que oferecemos aqui: https://bit.ly/boletim-informativo-rpg-next Como você pode ajudar: 1️⃣ Torne-se um apoiador em https://apoia.se/rpgnext e ajude a manter o projeto vivo! 2️⃣ Participe de nossas mesas e aventuras disponíveis em https://rpgnext.com.br/loja. 3️⃣ Compartilhe nosso conteúdo e chame seus amigos para fazer parte dessa jornada épica! Recompensas incríveis para nossos apoiadores: Acesso antecipado. ️ Sorteios mensais. ️ Consultorias exclusivas e muito mais! ⚔️ Vem jogar com a gente e viva histórias que só o RPG pode proporcionar. Marque seus amigos e ajude a expandir essa comunidade! ‍♂️ Boletim Informativo RPG Next https://bit.ly/boletim-informativo-rpg-next  NOVIDADE!!! Para tornar a sua experiência ainda mais fácil e prática, agora disponibilizamos nossos conteúdos exclusivos do Apoia.se também no Spotify! Assim, você pode acessar tudo em um só lugar, sem precisar alternar entre plataformas. Quer saber como ativar essa opção e ouvir nossos episódios exclusivos diretamente no Spotify? Acesse este artigo com o passo a passo: https://suporte.apoia.se/hc/pt-br/articles/30944727495579-Ou%C3%A7a-%C3%A1udios-exclusivos-da-APOIA-se-no-Spotify Obrigado por apoiar nosso trabalho! Seu suporte faz toda a diferença. O RPG Next agora tem um grupo oficial no Telegram! Venha trocar ideias, compartilhar suas aventuras e se conectar com outros jogadores apaixonados por RPG. Entre agora e faça parte dessa comunidade épica: https://t.me/RpgNextOficial . Acesse nossos conteúdos antecipados e exclusivos pelo APP do Apoia-se Disponível para Android e iOS! Google Play: https://play.google.com/store/apps/details?id=com.apoiasemobile&pli=1 iOS: https://apps.apple.com/us/app/apoia-se/id1665747795 https://www.rpgnext.com.br/produto/dungeons-and-dragons-starter-set-heroes-of-the-borderlands/ https://www.rpgnext.com.br/produto/dungeons-dragons-rpg-players-handbook-2024/ https://www.rpgnext.com.br/produto/dungeons-dragons-rpg-dungeon-master-guide-2024/ https://www.rpgnext.com.br/produto/dungeons-and-dragons-monster-manual-2024/ https://www.rpgnext.com.br/produto/dungeons-dragons-rpg-dungeon-masters-screen-2024/ Quer jogar RPG sem precisar montar grupo ou preparar nada?   Agora você pode! Encontre todas as vagas on-line com Mestres de Aluguel no site do RPG Next e entre de cabeça em aventuras épicas conduzidas por narradores experientes! O serviço é pago e funciona por assinatura mensal, com cobrança exclusivamente via cartão de crédito. ‍♂️ O Mestre de Aluguel conduz toda a sessão — você só precisa escolher o sistema, montar seu personagem e se divertir! No site, você encontra um vídeo de apresentação e todas as informações sobre como participar, bem como link público para o grupo de WhatsApp de cada Mestre de RPG. Confira as mesas disponíveis agora em:https://www.rpgnext.com.br/categoria-produto/servico-de-mestre-de-aluguel/ APOIE NOSSA CAUSA! Nosso Plano de Assinaturas do APOIA.SE! Acesse e veja nossas recompensas para os apoiadores.   COMPARTILHE! Se você gostou desse Podcast de RPG, então não se esqueça de compartilhar! Nossa Campanha do APOIA.SE: https://apoia.se/rpgnext Facebook RpgNextPage, Grupo do Facebook RPGNext Group, Instagram RPG Next Oficial, Bluesky rpgnext.bsky.social,  Canal do YouTube,  Vote no iTunes do Tarrasque na Bota e no iTunes do RPG Next Podcast com 5 estrelas para também ajudar na divulgação! DEIXE SEU FEEDBACK! Se quiser deixar seu feedback, nos envie um e-mail em contato@rpgnext.com.br ou faça um comentário nesse post logo abaixo. Seu comentário é muito importante para a melhoria dos próximos episódios. Beleza? Muito obrigado pelo suporte, pessoal! Links para MÚSICAS e SFX sob a licença Creative Commons Kevin MacLeod (incompetech.com): Licenciado sob Creative Commons: By Attribution 4.0 License (http://creativecommons.org/licenses/by/4.0/) Tabletop Audio (tabletopaudio.com): Licenciado sob Creative Commons: Attribution-NonCommercial-NoDerivatives 4.0 License (https://creativecommons.org/licenses/by-nc-nd/4.0/) Freesound.org: Efeitos sonoros diversos licenciados sob Creative Commons (CC BY 3.0 e 4.0) e Domínio Público (CC0). Contato Instagram / Facebook / Bluesky / TikTok / YouTube

Sua Voz Importa: Conecte-se e Faça Parte da Conversa! Este programa é um canal dedicado à interação direta com nossos ouvintes, oferecendo uma plataforma para ler e comentar suas mensagens, perguntas e sugestões, mergulhando em discussões aprofundadas sobre os temas mais relevantes do nosso projeto. Seja sobre a produção dos nossos conteúdos, suas experiências, aspectos específicos de nossas criações ou outras áreas de interesse – sua participação é fundamental para o desenvolvimento e enriquecimento das nossas conversas! Descubra tudo que oferecemos aqui: https://bit.ly/boletim-informativo-rpg-next Como você pode ajudar: 1️⃣ Torne-se um apoiador em https://apoia.se/rpgnext e ajude a manter o projeto vivo! 2️⃣ Participe de nossas mesas e aventuras disponíveis em https://rpgnext.com.br/loja. 3️⃣ Compartilhe nosso conteúdo e chame seus amigos para fazer parte dessa jornada épica! Recompensas incríveis para nossos apoiadores: Acesso antecipado. ️ Sorteios mensais. ️ Consultorias exclusivas e muito mais! ⚔️ Vem jogar com a gente e viva histórias que só o RPG pode proporcionar. Marque seus amigos e ajude a expandir essa comunidade! ‍♂️ Boletim Informativo RPG Next https://bit.ly/boletim-informativo-rpg-next  NOVIDADE!!! Para tornar a sua experiência ainda mais fácil e prática, agora disponibilizamos nossos conteúdos exclusivos do Apoia.se também no Spotify! Assim, você pode acessar tudo em um só lugar, sem precisar alternar entre plataformas. Quer saber como ativar essa opção e ouvir nossos episódios exclusivos diretamente no Spotify? Acesse este artigo com o passo a passo: https://suporte.apoia.se/hc/pt-br/articles/30944727495579-Ou%C3%A7a-%C3%A1udios-exclusivos-da-APOIA-se-no-Spotify Obrigado por apoiar nosso trabalho! Seu suporte faz toda a diferença. O RPG Next agora tem um grupo oficial no Telegram! Venha trocar ideias, compartilhar suas aventuras e se conectar com outros jogadores apaixonados por RPG. Entre agora e faça parte dessa comunidade épica: https://t.me/RpgNextOficial . Acesse nossos conteúdos antecipados e exclusivos pelo APP do Apoia-se Disponível para Android e iOS! Google Play: https://play.google.com/store/apps/details?id=com.apoiasemobile&pli=1 iOS: https://apps.apple.com/us/app/apoia-se/id1665747795 https://www.rpgnext.com.br/produto/dungeons-and-dragons-starter-set-heroes-of-the-borderlands/ https://www.rpgnext.com.br/produto/dungeons-dragons-rpg-players-handbook-2024/ https://www.rpgnext.com.br/produto/dungeons-dragons-rpg-dungeon-master-guide-2024/ https://www.rpgnext.com.br/produto/dungeons-and-dragons-monster-manual-2024/ https://www.rpgnext.com.br/produto/dungeons-dragons-rpg-dungeon-masters-screen-2024/ Quer jogar RPG sem precisar montar grupo ou preparar nada?   Agora você pode! Encontre todas as vagas on-line com Mestres de Aluguel no site do RPG Next e entre de cabeça em aventuras épicas conduzidas por narradores experientes! O serviço é pago e funciona por assinatura mensal, com cobrança exclusivamente via cartão de crédito. ‍♂️ O Mestre de Aluguel conduz toda a sessão — você só precisa escolher o sistema, montar seu personagem e se divertir! No site, você encontra um vídeo de apresentação e todas as informações sobre como participar, bem como link público para o grupo de WhatsApp de cada Mestre de RPG. Confira as mesas disponíveis agora em:https://www.rpgnext.com.br/categoria-produto/servico-de-mestre-de-aluguel/ APOIE NOSSA CAUSA! Nosso Plano de Assinaturas do APOIA.SE! Acesse e veja nossas recompensas para os apoiadores.   COMPARTILHE! Se você gostou desse Podcast de RPG, então não se esqueça de compartilhar! Nossa Campanha do APOIA.SE: https://apoia.se/rpgnext Facebook RpgNextPage, Grupo do Facebook RPGNext Group, Instagram RPG Next Oficial, Bluesky rpgnext.bsky.social,  Canal do YouTube,  Vote no iTunes do Tarrasque na Bota e no iTunes do RPG Next Podcast com 5 estrelas para também ajudar na divulgação! DEIXE SEU FEEDBACK! Se quiser deixar seu feedback, nos envie um e-mail em contato@rpgnext.com.br ou faça um comentário nesse post logo abaixo. Seu comentário é muito importante para a melhoria dos próximos episódios. Beleza? Muito obrigado pelo suporte, pessoal! Links para MÚSICAS e SFX sob a licença Creative Commons Kevin MacLeod (incompetech.com): Licenciado sob Creative Commons: By Attribution 4.0 License (http://creativecommons.org/licenses/by/4.0/) Tabletop Audio (tabletopaudio.com): Licenciado sob Creative Commons: Attribution-NonCommercial-NoDerivatives 4.0 License (https://creativecommons.org/licenses/by-nc-nd/4.0/) Freesound.org: Efeitos sonoros diversos licenciados sob Creative Commons (CC BY 3.0 e 4.0) e Domínio Público (CC0). Contato Instagram / Facebook / Bluesky / TikTok / YouTube

Featured on Bridges The Gardener - by Arthur Peterson - narrated by Tom Wrosch Sun and Moon - by Julie Wornan - narrated by Oxley Dutton Mrs Finkelstein - by K. J. Hannah Greenberg - narrated by Katrina Gould Our Audio License AntipodeanSF Radio Show by Ion Newcombe is licensed under CC BY-NC-ND 4.0 Featured Music Avant-Gardener by Courtney Barnett is licensed under a Attribution-Noncommercial-No Derivative Works 3.0 United States License. Pepper The Pig by John Bartmann is licensed under a CC0 1.0 Universal License. Bright Tenement Skyline by John Bartmann is licensed under a CC0 1.0 Universal License.   Intro & Outro Music Celestial Navigation by Blue Dot Sessions is licensed under a Attribution-NonCommercial License

Fique atualizado com o Boletim do RPG Next! Já imaginou fazer parte de uma comunidade que vive o RPG intensamente? Com podcasts imersivos, lives emocionantes e mesas de RPG cheias de ação, o RPG Next é a sua porta de entrada para experiências inesquecíveis no universo do RPG! Descubra tudo que oferecemos aqui: https://bit.ly/boletim-informativo-rpg-next Como você pode ajudar: 1️⃣ Torne-se um apoiador em https://apoia.se/rpgnext e ajude a manter o projeto vivo! 2️⃣ Participe de nossas mesas e aventuras disponíveis em https://rpgnext.com.br/loja. 3️⃣ Compartilhe nosso conteúdo e chame seus amigos para fazer parte dessa jornada épica! Recompensas incríveis para nossos apoiadores: Acesso antecipado. ️ Sorteios mensais. ️ Consultorias exclusivas e muito mais! ⚔️ Vem jogar com a gente e viva histórias que só o RPG pode proporcionar. Marque seus amigos e ajude a expandir essa comunidade! ‍♂️ Boletim Informativo RPG Next https://bit.ly/boletim-informativo-rpg-next  NOVIDADE!!! Para tornar a sua experiência ainda mais fácil e prática, agora disponibilizamos nossos conteúdos exclusivos do Apoia.se também no Spotify! Assim, você pode acessar tudo em um só lugar, sem precisar alternar entre plataformas. Quer saber como ativar essa opção e ouvir nossos episódios exclusivos diretamente no Spotify? Acesse este artigo com o passo a passo: https://suporte.apoia.se/hc/pt-br/articles/30944727495579-Ou%C3%A7a-%C3%A1udios-exclusivos-da-APOIA-se-no-Spotify Obrigado por apoiar nosso trabalho! Seu suporte faz toda a diferença. O RPG Next agora tem um grupo oficial no Telegram! Venha trocar ideias, compartilhar suas aventuras e se conectar com outros jogadores apaixonados por RPG. Entre agora e faça parte dessa comunidade épica: https://t.me/RpgNextOficial . Acesse nossos conteúdos antecipados e exclusivos pelo APP do Apoia-se Disponível para Android e iOS! Google Play: https://play.google.com/store/apps/details?id=com.apoiasemobile&pli=1 iOS: https://apps.apple.com/us/app/apoia-se/id1665747795 https://www.rpgnext.com.br/produto/dungeons-and-dragons-starter-set-heroes-of-the-borderlands/ https://www.rpgnext.com.br/produto/dungeons-dragons-rpg-players-handbook-2024/ https://www.rpgnext.com.br/produto/dungeons-dragons-rpg-dungeon-master-guide-2024/ https://www.rpgnext.com.br/produto/dungeons-and-dragons-monster-manual-2024/ https://www.rpgnext.com.br/produto/dungeons-dragons-rpg-dungeon-masters-screen-2024/ Quer jogar RPG sem precisar montar grupo ou preparar nada?   Agora você pode! Encontre todas as vagas on-line com Mestres de Aluguel no site do RPG Next e entre de cabeça em aventuras épicas conduzidas por narradores experientes! O serviço é pago e funciona por assinatura mensal, com cobrança exclusivamente via cartão de crédito. ‍♂️ O Mestre de Aluguel conduz toda a sessão — você só precisa escolher o sistema, montar seu personagem e se divertir! No site, você encontra um vídeo de apresentação e todas as informações sobre como participar, bem como link público para o grupo de WhatsApp de cada Mestre de RPG. Confira as mesas disponíveis agora em:https://www.rpgnext.com.br/categoria-produto/servico-de-mestre-de-aluguel/ APOIE NOSSA CAUSA! Nosso Plano de Assinaturas do APOIA.SE! Acesse e veja nossas recompensas para os apoiadores.   COMPARTILHE! Se você gostou desse Podcast de RPG, então não se esqueça de compartilhar! Nossa Campanha do APOIA.SE: https://apoia.se/rpgnext Facebook RpgNextPage, Grupo do Facebook RPGNext Group, Instagram RPG Next Oficial, Bluesky rpgnext.bsky.social,  Canal do YouTube,  Vote no iTunes do Tarrasque na Bota e no iTunes do RPG Next Podcast com 5 estrelas para também ajudar na divulgação! DEIXE SEU FEEDBACK! Se quiser deixar seu feedback, nos envie um e-mail em contato@rpgnext.com.br ou faça um comentário nesse post logo abaixo. Seu comentário é muito importante para a melhoria dos próximos episódios. Beleza? Muito obrigado pelo suporte, pessoal! Links para MÚSICAS e SFX sob a licença Creative Commons Kevin MacLeod (incompetech.com): Licenciado sob Creative Commons: By Attribution 4.0 License (http://creativecommons.org/licenses/by/4.0/) Tabletop Audio (tabletopaudio.com): Licenciado sob Creative Commons: Attribution-NonCommercial-NoDerivatives 4.0 License (https://creativecommons.org/licenses/by-nc-nd/4.0/) Freesound.org: Efeitos sonoros diversos licenciados sob Creative Commons (CC BY 3.0 e 4.0) e Domínio Público (CC0). Contato Instagram / Facebook / Bluesky / TikTok / YouTube

Sua Voz Importa: Conecte-se e Faça Parte da Conversa! Este programa é um canal dedicado à interação direta com nossos ouvintes, oferecendo uma plataforma para ler e comentar suas mensagens, perguntas e sugestões, mergulhando em discussões aprofundadas sobre os temas mais relevantes do nosso projeto. Seja sobre a produção dos nossos conteúdos, suas experiências, aspectos específicos de nossas criações ou outras áreas de interesse – sua participação é fundamental para o desenvolvimento e enriquecimento das nossas conversas! Descubra tudo que oferecemos aqui: https://bit.ly/boletim-informativo-rpg-next Como você pode ajudar: 1️⃣ Torne-se um apoiador em https://apoia.se/rpgnext e ajude a manter o projeto vivo! 2️⃣ Participe de nossas mesas e aventuras disponíveis em https://rpgnext.com.br/loja. 3️⃣ Compartilhe nosso conteúdo e chame seus amigos para fazer parte dessa jornada épica! Recompensas incríveis para nossos apoiadores: Acesso antecipado. ️ Sorteios mensais. ️ Consultorias exclusivas e muito mais! ⚔️ Vem jogar com a gente e viva histórias que só o RPG pode proporcionar. Marque seus amigos e ajude a expandir essa comunidade! ‍♂️ Boletim Informativo RPG Next https://bit.ly/boletim-informativo-rpg-next  NOVIDADE!!! Para tornar a sua experiência ainda mais fácil e prática, agora disponibilizamos nossos conteúdos exclusivos do Apoia.se também no Spotify! Assim, você pode acessar tudo em um só lugar, sem precisar alternar entre plataformas. Quer saber como ativar essa opção e ouvir nossos episódios exclusivos diretamente no Spotify? Acesse este artigo com o passo a passo: https://suporte.apoia.se/hc/pt-br/articles/30944727495579-Ou%C3%A7a-%C3%A1udios-exclusivos-da-APOIA-se-no-Spotify Obrigado por apoiar nosso trabalho! Seu suporte faz toda a diferença. O RPG Next agora tem um grupo oficial no Telegram! Venha trocar ideias, compartilhar suas aventuras e se conectar com outros jogadores apaixonados por RPG. Entre agora e faça parte dessa comunidade épica: https://t.me/RpgNextOficial . Acesse nossos conteúdos antecipados e exclusivos pelo APP do Apoia-se Disponível para Android e iOS! Google Play: https://play.google.com/store/apps/details?id=com.apoiasemobile&pli=1 iOS: https://apps.apple.com/us/app/apoia-se/id1665747795 https://www.rpgnext.com.br/produto/dungeons-and-dragons-starter-set-heroes-of-the-borderlands/ https://www.rpgnext.com.br/produto/dungeons-dragons-rpg-players-handbook-2024/ https://www.rpgnext.com.br/produto/dungeons-dragons-rpg-dungeon-master-guide-2024/ https://www.rpgnext.com.br/produto/dungeons-and-dragons-monster-manual-2024/ https://www.rpgnext.com.br/produto/dungeons-dragons-rpg-dungeon-masters-screen-2024/ Quer jogar RPG sem precisar montar grupo ou preparar nada?   Agora você pode! Encontre todas as vagas on-line com Mestres de Aluguel no site do RPG Next e entre de cabeça em aventuras épicas conduzidas por narradores experientes! O serviço é pago e funciona por assinatura mensal, com cobrança exclusivamente via cartão de crédito. ‍♂️ O Mestre de Aluguel conduz toda a sessão — você só precisa escolher o sistema, montar seu personagem e se divertir! No site, você encontra um vídeo de apresentação e todas as informações sobre como participar, bem como link público para o grupo de WhatsApp de cada Mestre de RPG. Confira as mesas disponíveis agora em:https://www.rpgnext.com.br/categoria-produto/servico-de-mestre-de-aluguel/ APOIE NOSSA CAUSA! Nosso Plano de Assinaturas do APOIA.SE! Acesse e veja nossas recompensas para os apoiadores.   COMPARTILHE! Se você gostou desse Podcast de RPG, então não se esqueça de compartilhar! Nossa Campanha do APOIA.SE: https://apoia.se/rpgnext Facebook RpgNextPage, Grupo do Facebook RPGNext Group, Instagram RPG Next Oficial, Bluesky rpgnext.bsky.social,  Canal do YouTube,  Vote no iTunes do Tarrasque na Bota e no iTunes do RPG Next Podcast com 5 estrelas para também ajudar na divulgação! DEIXE SEU FEEDBACK! Se quiser deixar seu feedback, nos envie um e-mail em contato@rpgnext.com.br ou faça um comentário nesse post logo abaixo. Seu comentário é muito importante para a melhoria dos próximos episódios. Beleza? Muito obrigado pelo suporte, pessoal! Links para MÚSICAS e SFX sob a licença Creative Commons Kevin MacLeod (incompetech.com): Licenciado sob Creative Commons: By Attribution 4.0 License (http://creativecommons.org/licenses/by/4.0/) Tabletop Audio (tabletopaudio.com): Licenciado sob Creative Commons: Attribution-NonCommercial-NoDerivatives 4.0 License (https://creativecommons.org/licenses/by-nc-nd/4.0/) Freesound.org: Efeitos sonoros diversos licenciados sob Creative Commons (CC BY 3.0 e 4.0) e Domínio Público (CC0). Contato Instagram / Facebook / Bluesky / TikTok / YouTube

A foot of stormwater in your home, and a contractor saying "Let's dry it in place?" That was the scenario explored in Courtney Makris' PLRB Presents talk "When the Storm Hits Home: Courtney's Personal Journey through Hurricane Helene," and today Mike & Brennan will look at that scenario through the lens of the Categories & Classes of water, with the help of a PACE Program exercise. Notable Timestamps [ 00:06 ] - The episode introduces a real-world water loss scenario tied to a major storm, highlighting how widespread damage and contractor recommendations can complicate mitigation decisions for adjusters. [ 01:05 ] - The discussion draws from a hurricane case study and shifts focus to how water "categories" and "classes" relate to the standards guiding mitigation decisions. [ 04:24 ] - Water losses are a major focus in claims education, covering issues like pipe breaks, backups vs. overflows, and wind-driven rain—showing how varied and complex water damage scenarios can be. [ 05:11 ] - Not all water is equal; category classifications depend on contamination levels, meaning the source and exposure history of water directly impact risk and required remediation. [ 06:02 ] - Category 1 water can be clean and sanitary, Category 2 introduces contaminants that may cause illness, and Category 3 can be highly hazardous, often containing toxic or pathogenic substances. [ 07:25 ] - Practical examples like dishwasher discharge illustrate how the same appliance can produce different water categories depending on whether the source is incoming clean water or outgoing waste. [ 10:36 ] - Even seemingly clean sources like rainwater can shift categories based on contact with materials or time sitting stagnant, emphasizing that context and exposure matter. [ 12:20 ] - Floodwater is nearly always Category 3 due to contamination from ground contact and stagnation, making it especially dangerous despite common public perceptions. [ 14:46 ] - Water "class" differs from category by focusing on how much water is present, how deeply it's absorbed, and how difficult it is to dry. [ 19:01 ] - Mitigation strategies vary widely: clean water may allow simple drying, while contaminated water often requires removal of materials like drywall and insulation. Your PLRB Resources Check out the PACE Program! https://www.plrb.org/pace-program/ When the Storm Hits Home: Courtney's Personal Journey through Hurricane Helene https://youtu.be/2VE7i_0KAKc 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 fire broke out in the insured's basement, where various household and personal items were stored. The insured husband is a recreational pilot. His wife is an accountant. Their two children and dog also live in the home with them. The fire caused heavy smoke and heat damage throughout the basement and adjoining utility room. The insured provided a personal property inventory form listing everything believed to be damaged or destroyed. What falls under Property Not Covered? In this preview of the PACE program's personal lines course, we'll explore the basics of the different roles in the insurance industry. Notable Timestamps [ 00:07 ] - The scenario introduces a basement fire damaging stored personal property, setting up a practical lens for analyzing what items may or may not be covered under a homeowners policy. [ 03:10 ] - The PACE program is designed to guide learners through the full claims lifecycle, from coverage analysis to investigation and resolution, providing both foundational and advanced insights. [ 06:15 ] - Understanding home construction elements like plumbing, roofing, and wiring can directly impact coverage analysis, as these features often influence cause, scope, and policy interpretation. [ 07:20 ] - A key distinction: exclusions focus on *why* damage occurred, while Property Not Covered provisions focus on *what* was damaged. [ 08:05 ] - Policies may list numerous categories of Property Not Covered, including animals, motor vehicles, aircraft parts, and certain business or digital assets. [ 10:45 ] - Personal property inventories are critical documents in claims handling, requiring adjusters to evaluate each listed item against policy language and applicable coverage limitations. [ 13:40 ] - Some items, like pet-related supplies, may be covered even when the pet itself is not, highlighting the importance of distinguishing between living property and associated goods. [ 17:30 ] - Virtual currency presents valuation and verification challenges, which is why it is typically listed under Property Not Covered and may require specialized coverage or endorsements. [ 19:45 ] - Property Not Covered likely applies to aircraft parts regardless of how they are intended to be used. [ 21:10 ] - Generally speaking, ambiguities favor the insured, but ambiguity only occurs when terms are reasonably open to multiple meanings. Your PLRB Resources Sign Up for Updates on the Designation Program! https://2it6qrau8fd.typeform.com/pacedesignation 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).

What happens if AI delivers major advances in capability and productivity, but also creates significant disruption to jobs, incomes, and public finances? That question sits at the heart of today's episode.Our guest is Adrian Brown, the Founder and Chief Executive of Windfall Trust, a nonprofit focused on helping governments and societies prepare for the economic consequences of advanced AI. Windfall describes itself not as a think tank, but as a “policy accelerator for the age of artificial intelligence”.Their work starts from a simple premise: if AI systems significantly reshape the economy, then the question is not only how we build them, but how we prepare for their impacts, and how the gains are ultimately shared.Before founding Windfall Trust, Adrian was the founding Executive Director of the Centre for Public Impact, worked as a policy advisor in the UK Cabinet Office, and held roles at McKinsey and the Boston Consulting Group.Selected follow-ups:Windfall TrustExercise Cygnus (Wikipedia)Erik Brynjolfsson (personal site)Canaries in the Coal Mine? Six Facts about the Recent Employment Effects of Artificial Intelligence (paper by Erik Brynjolfsson and colleagues)Anton Korinek (personal site)Windfall's UK Scenarios exerciseThe Economic Singularity (recent discussion paper by Calum Chace)Industrial Policy for the Intelligence Age (OpenAI)UK Government announcement of the formation of "The AI and Future of Work Unit"UK Chancellor Rachel Reeve's announcement of a new "AI Economics Institute""AI will kill income tax" - episode of Robert Peston's podcast "The Rest is Money"Windfall Policy AtlasTask-Completion Time Horizons of Frontier AI Models (METR)Music: Spike Protein, by Koi Discovery, available under CC0 1.0 Public Domain DeclarationC-Suite PerspectivesElevate how you lead with insight from today's most influential executives.Listen on: Apple Podcasts Spotify

Summary: In a disquieting liminal space, the Tribe is disoriented, unconscious, and close to death. Of Special Note: On tonight's Character Eight, the final answer - and reward - are revealed for The Maze Master's Grand Challenge. PLUS take the Circuit Dungeon Extra from the Extras Tab in order to begin mapping this new and impossible nightmare. Download Chapter 152: The Bunker 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 Guinefurrie was showcased on tonight's episode under the CC Attribution License 3.0: v5 and Bound 0 find Guinefurrie on FreeSound: Guinefurrie 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 an example of how the Unnis take suggestions (but not directions), this episode departs from our usual format as we discuss the first episode of the variety show The Village Barber starring Park Bo Gum, Lee Sang Yi and Kwak Dong Yeon.If you like this episode, please subscribe and leave us a rating and review!Follow us on Instagram @unnisonoppaspodUse of our theme music, “Pickled Pink” by Kevin MacLeod, is permitted under Creative Commons license CC0 1.0

WORT 89.9FM Madison · Dane County Board Axes Flock Camera Funding Heidi Wegleitner(Photo courtesy Dane County Board of Supervisors) Back in March, WORT brought you the story of protestors demanding that the UW Police remove Flock Systems automated surveillance cameras from campus.  Flock Systems' website boasts it is “shaping the future of safety together” and claims that it has worked with “over 12,000 cities, towns, counties and business partners.”   Meanwhile, the ACLU and the Electronic Frontier Foundation have criticized the company for its indiscriminate surveillance, capturing people's comings and goings,whether or not they are suspected of a crime.  On April 16, the Dane County Board of Supervisors voted 32-1 to cut Sheriff's Department funding to install Flock System license plate readers.  Heidi Wegleitner represents District 2 on the Dane County Board of Supervisors and sponsored the budget amendment.  She joined Monday Buzz host Brian Standing on April 20, 2026. Featured image: Flock Camera (Aurora, IL) (Photo by LemononoM, CC0, via Wikimedia Commons) Did you enjoy this story? Your funding makes great, local journalism like this possible. Donate hereThe post Dane County Board Axes Flock Camera Funding appeared first on WORT-FM 89.9.

A major storm hits the city. Sarah's bakery suffers roof damage, water leakage, and equipment loss. Sarah has heard lots of insurance job titles thrown around: policyholder, agent, broker, adjuster, underwriter, actuary-- who are all these people? In this preview of the PACE program's core on-boarding course, we'll explore the basics of the different roles in the insurance industry. Notable Timestamps [ 00:00 ] - The episode opens with a storm-damage scenario at Sara's bakery, setting up a practical lens for understanding insurance roles and how multiple professionals intersect during a single claim event. [ 00:59 ] - The lighthearted "Dec Page" segment underscores how real-world disruptions—like severe Midwest storms affecting travel—mirror the unpredictability that drives many insurance claims. [ 04:42 ] - The PACE program is practical and scenario-driven, aiming to demystify industry jargon and help both newcomers and experienced professionals apply concepts across claims and underwriting contexts. [ 06:25 ] - The "insurer" is the insurance company, while the "insured" is the policyholder. [ 08:02 ] - Insurance roles are tied to broader processes, including application, underwriting, claims handling, and premium rating, reinforcing that each role fits into a larger operational lifecycle. [ 10:11 ] - Agents typically represent the insurer (sometimes as captive or independent), while brokers represent the policyholder, helping match complex risks with appropriate carriers. [ 12:13 ] - Agents and brokers often remain involved beyond policy purchase, serving as trusted first contacts when a loss occurs and guiding policyholders through the claims process. [ 14:08 ] - Adjusters and claims professionals evaluate damage, determine coverage, and help restore policyholders, while TPAs and independent adjusters may be hired to handle claims on behalf of insurers. [ 16:46 ] - Because titles vary widely, professionals are encouraged to clearly introduce their role to policyholders, improving understanding and trust during what can be a confusing claims experience. [ 18:15 ] - Final takeaways reinforce core distinctions (insurer vs. insured), note that definitions may vary by policy, and highlight the importance of understanding agents, brokers, adjusters, and TPAs. Your PLRB Resources Sign Up for Updates on the Designation Program! https://2it6qrau8fd.typeform.com/pacedesignation 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 claims supervisor with plenty of adjusting experience is looking to open doors to new opportunities with a credential that will signal their advanced claims knowledge. They're also responsible for onboarding some new adjusters who are brand new to the field of insurance, and need to get ready to handle claims. As PLRB members, they'll have access to the PACE Designation Program, which can equip participants with the skills and confidence needed to excel in key areas of claims handling. Notable Timestamps [ 02:07 ] - Introducing a fun new segment called "The Dec Page," our hosts reflect on the 2026 PLRB Claims Conference, highlighting the value of in-person learning, networking, and shared industry enthusiasm in a conference setting.  [ 04:18 ] - The PACE Designation Program has been announced! This structured educational initiative is designed to help participants better understand insurance concepts through a guided and engaging learning experience.  [ 05:09 ] - The PACE Designation Program starts with a Core, building foundational claims and coverage understanding to empower learners to advance to more complex topics. The Personal Lines Track then dives deep into residential and Homeowners losses. [ 07:46 ] - "Claims intensives" offer flexibility within the program, allowing learners to tailor their path based on interests and career goals.  [ 11:54 ] - The program was developed using member feedback, addressing a clear need for training both new entrants unfamiliar with insurance and experienced professionals seeking deeper expertise.  [ 12:47 ] - The PACE Designation Program covers both foundational claims concepts and material specific to each line of business (starting with Personal Lines).  [ 13:05 ] - Advanced content explores nuanced coverage issues, including policy interpretation and legal influences, reflecting the complexity and depth of real-world claims decision-making.  [ 13:50 ] - The program extends beyond technical skills to include ethics, fraud awareness, and people skills, reinforcing the well-rounded competencies needed in modern claims roles.  [ 14:58 ] - Future expansions aim to include additional lines like casualty and auto, along with commercial coverage, positioning the program as a comprehensive, multi-discipline education track.  Your PLRB Resources Sign Up to Learn More! https://2it6qrau8fd.typeform.com/pacedesignation 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).

From the super-cheeky title character of Chief Kim (AKA Good Manager) to the not-remotely-cheeky lead character of Our Movie, Namgoong Min is a master of comedy and drama. In this episode, Susie and Lynn discuss his roles in these dramas, as well as My Dearest, Stove League, One Dollar Lawyer, and One Fine Day.(About SPOILERS: we try to avoid major plot spoilers in our discussions of different dramas, but inevitably some minor details will be revealed. If you want to avoid knowing absolutely anything about a show you haven't seen, we recommend skipping to the next segment!)(0:00) - Intro, Jal Meogisseubnida, KDrama ketchup(40:15)  - One Fine Day - CONTAINS SPOILERS(1:19:55) - Good Manager(1:40:10) - One Dollar Lawyer(1:57:15) - Stove League(2:15:55) - My Dearest(2:51:40) - Our Movie(3:10:50) - Favorite Namgoong Min scenes(3:16:30) - Ask Susie Unnithing If you like this episode, please subscribe and leave us a rating and review!Follow us on Instagram @unnisonoppaspodUse of our theme music, “Pickled Pink” by Kevin MacLeod, is permitted under Creative Commons license CC0 1.0

Job 37:9“Del sur viene el torbellino, y el frío, de los vientos del norte”.Una de las cosas más asombrosas de nuestra era contemporánea es, el científico que piensa que puede utilizar la ciencia para juzgar la Biblia. Después de todo, muchas cosas que se aceptan hoy como hechos científicos primero fueron enseñadas en la Biblia.Job 36:27-28 explica el ciclo del agua en la que, a través de la evaporación, las lluvias de mañana son atraídas a las nubes. Eclesiastés 1:7 explica por qué los ríos no llenan los mares. Nos dice que hay un ciclo de agua de los ríos hacia los mares de regreso a llenar los ríos otra vez. No fue sino hasta el año 350 AC, mucho después de lo que fue escrito Job y más de 600 años después de lo que fue escrito Eclesiastés, que Aristóteles empezó a entender el ciclo del agua. Y finalmente en 1841 un científico, utilizando un termómetro que Galileo inventó en 1593 y un barómetro que había sido inventado por Torricelli en 1643, mostraba que las nubes en realidad eran el resultado del vapor del agua que sube.Job 37:9 y Eclesiastés 1:6 ambos hablan del viento y los patrones del clima que finalmente fueron confirmados en 1940. Lea estos pasajes antes de ver las últimas fotos satelitales del clima – el satélite claramente muestra de lo que las Escrituras están hablando en estos versículos.Muchos de los hechos aceptados hoy por la ciencia fueron originalmente mencionados por Dios en la Biblia. La ciencia no debería pasar juicio a la Biblia. Después de todo, ha tomado a la ciencia miles de años empezar a ponerse al día con el nivel de conocimiento de la Biblia de incluso una cosa tan simple como el clima.Oración: Amado Padre, el hombre es una criatura orgullosa que típicamente piensa que conoce más de lo que realmente conoce. Ayúdame a ver el orgullo en mi vida ya que el orgullo humano siempre se interpone en nuestro camino de tener una relación más cercana contigo. En Nombre de Cristo Jesús. Amén.Imagen: Job Reproved by His Friends, James Barry, CC0, Wikimedia Commons, changes made. To support this ministry financially, visit: https://www.oneplace.com/donate/1235/29?v=20251111

Jesus' resurrection wasn't expected by the women who went to his tomb on that first day of the week. The went to see a dead Jesus in order to complete the preparations for his body to remain in the grave. And yet, when they arrive, the tomb is empty and an angel proclaims that the crucified one is now alive. Jesus has pierced through the veil of death for us and come out of the tomb and the grave with the fullness of life to share it with us.Image: Der Auferstandene, CC0, via Wikimedia Commons

Featured on Bredichina S.I.L.LY. Machine - by KJ Hannah Greenberg - narrated by John Dee Brittle as Autumn Leaves - by Jon Adcock - narrated by Mark Sexton Our Audio License AntipodeanSF Radio Show by Ion Newcombe is licensed under CC BY-NC-ND 4.0 Featured Music Silly Robot Walk by John Bartmann is licensed under a CC0 1.0 Universal License. Autumn by Janne Hanhisuanto is licensed under a Attribution-Noncommercial-No Derivative Works 2.5 Italy License.     Intro & Outro Music Celestial Navigation by Blue Dot Sessions is licensed under a Attribution-NonCommercial License

How does Jesus accomplish God's will upon the cross? Is this really what he was called to do? It is true that Jesus going to the cross is what God desired him to do, in fact, Jesus' act upon the cross of bearing the sin of the world is well-pleasing to the Father.Image: Master of the Starck Triptych, CC0, via Wikimedia Commons

Read OnlineSo when he had washed their feet and put his garments back on and reclined at table again, he said to them, “Do you realize what I have done for you? You call me ‘teacher' and ‘master,' and rightly so, for indeed I am. If I, therefore, the master and teacher, have washed your feet, you ought to wash one another's feet. I have given you a model to follow, so that as I have done for you, you should also do.” John 13:12–15The celebration of the evening Mass of the Lord's Supper on Holy Thursday is one of the most spiritually enriching liturgical celebrations of the year. The Mass begins with an empty tabernacle. After the readings and homily, the ritual of the washing of the disciples' feet takes place. The Mass culminates with the celebration of the Eucharist, which is then carried in procession to another altar for adoration by the faithful until midnight, during which time we are invited to spend an hour with our Lord, in communion with Him during His Agony in the Garden.The Gospel for the Mass, from Saint John, presents the beginning of Jesus' Last Supper with His disciples. Jesus performs the act of a servant by washing the disciples' feet. Though this surprises them, especially Peter, Jesus insists, saying, “Unless I wash you, you will have no inheritance with me” (John 13:8). Our Lord says the same to us.Often people understand the washing of the feet only superficially. Perhaps that is why Jesus said to the disciples, “Do you realize what I have done for you?...” This begs the question: Do you understand the deep and transforming meaning of this most sacred act? This was not Jesus' way of simply telling us that we should be nice to one another and look for opportunities to do each other kind favors. The meaning is much richer. First, we need to be washed by Jesus. Second, we must participate in Jesus' washing of others.How are you washed by Jesus? By His Cross and Resurrection that destroyed sin and restored eternal life. We need to be washed by His blood, which was shed for us and first administered to His disciples at the Last Supper. Jesus was telling them that they need the cleansing He was giving them: the cleansing of sin. Today, this cleansing takes place first in Baptism and then in Reconciliation. If we wish to share in the Eucharist fruitfully, we must first be cleansed through Baptism. When we sin later in life, this cleansing takes place by confessing our sins in the Sacrament of Reconciliation, which prepares us to receive Him worthily in the Eucharist. When we receive those sacraments, we should hear our Lord say to us, “Do you realize what I have done for you?”After that question, Jesus says, “I have given you a model to follow, so that as I have done for you, you should also do.” Of course, we are not Jesus. We cannot forgive sins and give to others His Sacred Body and Blood, right? Remember that Jesus was talking to His Apostles, the first bishops, so, “Yes,” Jesus was commanding them, and all bishops and priests that followed, to perpetuate His ongoing gift through the faithful administration of the Sacraments He instituted.Though that is the central command, our Lord also calls all of us to participate in His self-gift. Though only He could offer us the cleansing and transformation we need—which is perpetuated throughout time in the Sacraments—He also commands each of us to imitate His sacrificial love in charity, the “model” He has given us to follow. Forgiven of our sins and strengthened by the Eucharist, we must turn our attention to others, choosing to do everything necessary to be Christ to them, laying our lives down, selflessly and without hesitation. This command applies not only to those we like, but to everyone, equally and unwaveringly. Note that Jesus even washed Judas' feet, despite knowing Judas would soon betray Him. In doing so, Jesus teaches us that charity extends even to those who wrong us, calling us to love as He loves—without conditions or limits.Reflect today upon Jesus' question to the Twelve: “Do you realize what I have done for you?” Ponder that question today, especially this evening. Do you understand the depth of His Sacrifice? Do you understand the Sacraments that perpetuate that Sacrifice throughout time? Do you understand the demands that your reception of His gift places on you? Be open to all that Jesus offers you and, in turn, give what you have been given to others.My sacrificial Teacher and Lord, You have poured out upon me Your Precious Blood to cleanse me from sin and restore me to life. Though I will never fully fathom this Gift, I pray for Understanding, so that I can comprehend more fully this great mystery. As You transform me, please use me as a gift, poured out for others, in charity and selfless service of divine love. Jesus, I trust in You.  Image: Benvenuto Tisi, CC0, via Wikimedia CommonsSource: Free RSS feed from catholic-daily-reflections.com — Copyright © 2026 My Catholic Life! Inc. All rights reserved. This content is provided solely for personal, non-commercial use. Redistribution, republication, or commercial use — including use within apps with advertising — is strictly prohibited without written permission.

Read Online“Amen, I say to you, one of you will betray me.” Deeply distressed at this, they began to say to him one after another, “Surely it is not I, Lord?” He said in reply, “He who has dipped his hand into the dish with me is the one who will betray me.” Matthew 26:21–23The Last Supper was both a glorious moment of grace and a painful moment of betrayal. During that meal, Jesus instituted the Eucharist, the gift of His Body and Blood, Soul and Divinity that perpetuates His saving sacrifice until the end of time. It was also at that holy meal that one of Jesus' closest companions lied to His face and resolved to betray Him for thirty pieces of silver.According to the Torah, if an ox killed a slave, the owner was required to pay the slave's master thirty pieces of silver. The holy irony is that Judas betrayed Jesus for the price of a slave, even though Jesus came to set all people free from the slavery of sin.When Jesus informs the Twelve that one of them would betray Him, He does so without anger or self-pity. His words reflect holy sorrow, accompanied by resignation, clarity, and gentleness. This sorrow is not merely sadness over His impending suffering but a loving sorrow for the lost soul of His betrayer. Deeply distressed, the disciples respond one after another, “Surely it is not I, Lord?”The Greek word Kyrios, used here for “Lord,” denotes authority, mastery, and divine lordship. It appears frequently in the New Testament, primarily in reference to Jesus. In the Greek Old Testament (the Septuagint), Kyrios replaces YHWH, the sacred and unspoken name of God, about 7,000 times. By addressing Jesus as Kyrios, the eleven recognize Him not only as their teacher but as the Messiah and Son of God. This title expresses a relationship of trust and reverence, acknowledging Jesus' divine authority.When Judas speaks, he replaces Kyrios with Rabbí—“Surely it is not I, Rabbi?”—a transliteration of the Hebrew and Aramaic term meaning “teacher.” While respectful, this address falls short of acknowledging Jesus as Kyrios, focusing on Him as a human teacher rather than as Lord, Messiah, and God. This distinction is subtle but significant, inviting us to reflect on how we approach Jesus during the Holy Mass, since this conversation took place at the Last Supper—the first Mass. Do we approach Him with the heart of Judas, recognizing Him only in an earthly sense, or with the faith of the other disciples, seeing Him as Lord?Judas did not hate Jesus. Unlike the Pharisees who sought His death, Judas regretted his betrayal, tried to return the thirty pieces of silver, and tragically “went off and hanged himself” (Matthew 27:3–5). His greatest failure was that he could not look beyond Jesus' humanity to perceive His divinity. His eyes were fixed on himself—particularly his greed and selfish desires. In a similar way, when we approach the Eucharist without faith, surrender, and adoration, we risk falling into Judas' error: focusing more on ourselves than on Christ.At Mass, we say, “Lord, have mercy,” not “Rabbi, have mercy.” This prayer must come from the depths of our hearts, recognizing our need for mercy with God as its source. When we kneel at the consecration, our hearts should cry out, “My Lord and my God!” Yet, how often are we distracted, thinking about our plans after Mass? When we neglect to approach Jesus in faith and reverence, we miss the opportunity to encounter Him as He truly is—our Lord and our God.Reflect today on how you participate in the Holy Mass. See yourself at the Last Supper, uniting that moment with every Mass you attend. Pray that you may receive Jesus with love, devotion, and reverence, looking beyond the appearance of bread and wine to encounter your Lord. My Lord and my God, I believe in You, I adore You, I hope in Your mercy, and I love You with all my heart. Please fill me with a deep faith in Your presence, especially every time I attend Mass. May I recognize my need for You and surrender completely to Your mercy and love. Jesus, I trust in You.  Image: Bernard van Orley, CC0, via Wikimedia CommonsSource: Free RSS feed from catholic-daily-reflections.com — Copyright © 2026 My Catholic Life! Inc. All rights reserved. This content is provided solely for personal, non-commercial use. Redistribution, republication, or commercial use — including use within apps with advertising — is strictly prohibited without written permission.

Read OnlineReclining at table with his disciples, Jesus was deeply troubled and testified, “Amen, amen, I say to you, one of you will betray me.” John 13:21Love, betrayal, divine glory, and human weakness permeate today's Gospel, offering us a contrast of emotions and experiences to ponder. All forms of joys and trials affect our lives. Life is not “a bed of roses,” as the old saying goes. Besides joy, love, and excitement, we are touched by hurt, anger, fear, and anxiety. The same was true of Jesus' human experience with His disciples and all those who encountered Him. Through no fault of His own, Jesus was a polarizing figure. Some people loved Him deeply—such as His Blessed Mother, John, Mary of Bethany, and Mary of Magdala—while others despised Him, such as the scribes and Pharisees. Today's Gospel presents us with another figure whose life added great drama to the Gospel story—not because he loved or hated Jesus with passion—but because he was greedy and spiritually misguided. Today we read Saint John's account of the Last Supper. Jesus and His disciples were gathered in the Upper Room to celebrate the Passover meal. He began by washing the disciples' feet, a profound act of humble service. After this, Jesus prophesied that one of the Twelve would betray Him. When John, the Beloved Disciple, asked who the traitor was, Jesus identified Judas by handing him a morsel of food—an act of intimate friendship and trust. At that moment, “Satan entered him.” With both meekness and authority, Jesus told Judas: “What you are going to do, do quickly.” And immediately, “Judas took the morsel and left at once. And it was night” (John 13:27, 30). The night's unfolding drama did not end with Judas's betrayal. Jesus also revealed to Peter, “Amen, amen, I say to you, the cock will not crow before you deny me three times” (John 13:38).Though Jesus was God, He was also fully human, capable of feeling every human emotion to a much greater degree than we are, due to the perfection of His humanity. Therefore, within Jesus' human soul we discover a profound contrast of emotions to the full range of human experience. One of the Twelve will hand Him over to death later that evening, while another, the one He would entrust with the leadership of His Church, would deny he even knew Jesus. On top of that, Jesus was fully aware that later that night He would be arrested, tortured, falsely accused, imprisoned, and await the sentence of death in the morning. He not only felt the effects of these events within His humanity, but His empathy enabled Him to perceive the experiences of the Twelve, His mother, and all who hated Him. He felt their pain, confusion, and anger far before they did, and He felt those emotions much deeper than they ever would. Only His mother, who would stand by Him faithfully at the Cross, would experience the depth of human suffering that Jesus felt within His soul.Why would God take on human nature and permit Himself to experience such pain? Because all human emotions—even pain—-needed to be intermingled with divine love. Because of the hypostatic union, all of Christ's human experiences—whether joyful or sorrowful—were perfectly united with divine love and transformed into sources of grace for those whom He loves. His courageous entrance into His Passion makes it possible for us to endure our own human trials with His strength, hope, and peace. Reflect today on your life and the experiences you endure and enjoy. If some experiences are overwhelming, know that Jesus perfectly understands, deeply empathizes, and offers a remedy. He invites you into His own trials, promising you His divine strength to untangle confusion and flood you with peace. Unite the blessings you enjoy with Jesus' Passion as well. Among Jesus' greatest earthly delights was the love His mother lavished upon Him, especially as she stood faithfully at the foot of the Cross. With our Lord, receive your blessings with gratitude and allow them to strengthen you so that you may endure your own daily trials, guided by His meekness and authority, leading you to a share in His Resurrection.My empathetic and understanding Lord, by taking on our human nature, You permitted Yourself to experience everything we experience. Though sinless, You endured the effects of sin with suffering and love. Please draw me into Your human joys and trials so that I can live my life in You, by You, and through You, receiving grace through Your humanity so as to share in Your glory and divinity. Jesus, I trust in You.  Image: Metropolitan Museum of Art, CC0, via Wikimedia CommonsSource: Free RSS feed from catholic-daily-reflections.com — Copyright © 2026 My Catholic Life! Inc. All rights reserved. This content is provided solely for personal, non-commercial use. Redistribution, republication, or commercial use — including use within apps with advertising — is strictly prohibited without written permission.

Featured on Brauna: The Trials and Tribulations of Finding Good Baggage - by Isabel McKeough Perhaps they Never Will - by Wes Parish - narrated by Bradford Lundon Our Audio License AntipodeanSF Radio Show by Ion Newcombe is licensed under CC BY-NC-ND 4.0 Featured Music Cheeky Buggers by John Bartmann is licensed under a CC0 1.0 Universal License. The bird and the Rainbow by Monplaisir is licensed under a CC0 1.0 Universal License. The Mocking Bird by Frank Haffort is licensed under a Public Domain / Sound Recording Common Law Protection License. Intro & Outro Music Celestial Navigation by Blue Dot Sessions is licensed under a Attribution-NonCommercial License

We're taking a break this week after another successful PLRB Claims Conference. As we gear up for this podcast's 100th episode next week, we'd like to re-share the very first episode.   Alissha, Tim, and Mike introduce a complete rebranding of PLRB's podcast as "What's the Scenario? with PLRB", starting with a mini-scenario on a bear attack. Notable Timestamps [ 00:16 ] - A family went camping, only for their personal property to be destroyed by a bear. [ 01:41 ] - The team introduces themselves. Alissha Watley is Senior Meetings Manager at PLRB responsible for some of PLRB's annual conferences. Tim Havlir is Property Coverage Counsel at PLRB with years of experience answering coverage questions. Mike Brode is Vice President of Educational and Technical Services at PLRB managing PLRB's educational offerings, both live and online. [ 02:36 ] - This podcast is intended for insurance industry professionals who need quick-hit trainings on coverage issues that answer interesting insurance questions relevant to their daily work. These 20-minute episodes will provide clear explanations of complex coverage problems, answers to burning questions from real adjusters, and analysis of the latest trends, all grounded in true-to-life scenarios that authentically capture the insurance professional's experience. [ 03:10 ] - Topics to be covered include terrorism, pandemics, fireworks, NFTs, aggressive contractors, phone scams, matching, vacation rentals, and more. [ 05:00 ] - Back to the bear attack, the property would be considered covered property; it doesn't matter that it's off-premises. [ 06:13 ] - In this named policy, vandalism requires a mental state of intent which the bear did not have. The same issue applies to other perils such as theft and malicious mischief. [ 08:30 ] - There is no named peril for damage by animals. Your PLRB Resources Homeowners Annotation on Theft - https://search.plrb.org/?dn=135&src=gsa Homeowners Annotation on Vandalism - https://search.plrb.org/?dn=150&src=gsa Coverage Question "Raccoon Cannot Cause Malicious Mischief or Vandalism" - https://search.plrb.org/?dn=26392&src=gsa Coverage Question "Birds Cannot Commit Theft" - https://search.plrb.org/?dn=25272&src=gsa Coverage Question "Vandalism and Malicious Mischief Involving Cows" - https://search.plrb.org/?dn=85933&src=gsa 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 with your story.  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/bear-4387678/ https://fontawesome.com/icons/tent?f=classic&s=solid https://thenounproject.com/icon/steak-766620/ https://thenounproject.com/icon/grill-5779567/

Right now we're gearing up for next week's PLRB Claims Conference. So this week, we're sharing a recent episode discussing how to make the most of the PLRB Insurance Services Expo.   You're a new exhibitor, and you're excited and anxious about your first visit to the PLRB Claims Conference. How will you handle the rushes of attendees and the breaks between them? How will you build relationships that will last after you leave the Expo floor? What tone will you strike with members? Gemcor has been attending PLRB since 1984, just three years after our dad founded the company. It's the one conference we commit to every single year, and today we'll share our perspective.   Notable Timestamps [ 00:58 ] - In this scenario, a new exhibitor is hoping for success at the upcoming PLRB conference. [ 03:27 ] - The team discusses their favorite conference locations. [ 07:59 ] - Successful exhibitors emphasize consistency and face-to-face connection as the core driver of lasting client relationships. [ 10:57 ] - Every conversation counts, even if someone isn't a potential client at that moment. [ 12:07 ] - Conferences surface real-time industry trends and information, from informal hallway conversations. [ 13:19 ] - Downtime isn't wasted time if it's used appropriately. [ 14:55 ] - Follow-up is critical to keep the momentum going after a conference. [ 16:40 ] - Booth presence matters: engaged, approachable exhibitors attract more meaningful interactions. [ 17:49 ] - Dana summarizes the key points above. Your PLRB Resources PLRB Events: Upcoming Events - https://members.plrb.org/events/ Claims Conference: Event Site - http://www.plrbclaimsconference.org/ Affiliate Membership: Which PLRB Affiliate Membership Is Right for You? - https://www.plrb.org/affiliate/ 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).

Evolution says that life today arose from fewer, simpler forms of life. Evolutionists tell us that life is an ever-ascending ladder of increasing complexity as new forms of life develop. For proof, they claim that the fossil record shows this kind of development of life. But is this really what the fossil record shows?It would be easy for me, as a creationist, to tell you that the fossil record shows no increase in biological complexity. But a listener recently sent me a brochure from the Yoho National Park in Canada. The brochure talks about the richness and complexity of the fossilized life forms in the Burgess Shale of the park. Published by the Environment Canada Parks Service, the brochure clearly says that the fossils in the park contradict standard evolution.Let me share a few quotes with you. "Life is simpler today than it was long ago." "Long ago things used to be much more complicated. In fact, this is the central truth underlying one of the most revolutionary discoveries in the history of paleontology." "The animals of the Burgess Shale were more diverse and no less highly specialized than today's living creatures."The Bible gives us the same picture as the fossil record. Living things have always been complex. But early in the Earth's history, there were many more kinds of living things than there are today. And no fossil anywhere shows one kind of creature changing into another. The Bible has correctly predicted what is now found in the fossil record.Exodus 20:11"For in six days the Lord made heaven and earth, the sea, and all that in them is, and rested the seventh day: wherefore the Lord blessed the sabbath day, and hallowed it."Prayer: Dear Lord, kings and armies have tried to stand against Your Word of life to us. They are gone, and Your word remains. Let me never imagine that any man could successfully challenge Your Word, but let me treasure the Word by using it. Amen.Image: Burgess Shale community, M. Alan Kazlev, CC0, Wikimedia Commons, changes made. To support this ministry financially, visit: https://www.oneplace.com/donate/1232/29?v=20251111

An adjuster starts to close the file on a roofing claim. The adjuster had worked closely with the roofing contractor and saw the claim through to its resolution, with the contractor getting paid in full. Then the adjuster receives an invoice with a supplement, from a company in another state. Upon calling the insured, they had no awareness of this company. Today Steven Badger from Zelle LLP will address these and other topics as we continue our discussion on "hot topics" in hail claims. Notable Timestamps [00:01] - Some in the industry describe the "reclaim game" as when an insured gets paid on a prior roof claim, never fixes the roof, then years later submits a new claim for the same unresolved damage.​ [02:52] - On every new claim, adjusters can ask if the insured has ever filed a prior claim for the same damage, as opposed to relying solely on industry claim-history reports.​ [03:45] - Early investigation often includes reviewing historical aerial and street-view imagery plus a low-cost hail history report to understand the roof's actual damage timeline.​ [05:32] - Establishing coverage for business or goodwill reasons can open the door for supplementation.​ [06:29] - Permit records, especially for commercial roofs, can confirm whether a claimed roof replacement really occurred and reveal the value and scope of prior work.​ [07:35] - Is a supplement being submitted by the contractor who actually did the work or by a third-party supplement firm?​​ [13:08] - When contractors waive or absorb deductibles, insurers can request proof the deductible was paid.​ [14:48] - Contractors who take over the claim process without a public adjuster license may be committing the unauthorized practice of public adjusting in certain circumstances.​ [17:19] - Even in contentious claims, both sides can resolve disputes fairly and professionally. Your PLRB Resources Steve Badger's LinkedIn https://www.linkedin.com/in/steven-badger-467b0322/ Recorded Webinar: Resolving High Estimates and Post Work Supplementals https://members.plrb.org/education/courses/resolving-high-estimates-and-post-work-supplementals 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).

What do we do when faithfulness brings legal pressure? // How should we respond when we're criticized for our faith? Why is Gamaliel important? Who was Polycarp? In this episode, Emma Dotter unpacks Acts 5:17-42, the legal pressure the apostles faced, and how God used a Jewish official named Gamaliel to protect the gospel. Then she tells the story of Polycarp, a disciple of John who refused to deny Jesus and was martyred for his faith. When we face public criticism for the gospel, we can be bold and courageous in a way that honors God. Image 1: 11 Luther nails up the 95 Theses" by fz1844 is marked with Public Domain Mark 1.0. Image 2: Mishnah Berurah, first edition, Warsaw" by Charlie Smith FDTB is marked with CC0 1.0. Image 3: Saint Polycarpe au bûcher" by Octave 444 is licensed under CC BY-SA 4.0. // ADDITIONAL VERSES MENTIONED: Acts 22:3 John 16:13 Colossians 3:23-24 Romans 1:16 Ephesians 6:19-20 Ephesians 3:20 2 Corinthians 5:18-21 // RELATED JOIN THE JOURNEY EPISODES:  S4:265 – Acts 5-6 (https://podcasts.apple.com/us/podcast/s4-265-acts-5-6/id1600151923?i=1000735373170) // RESOURCES FOR FURTHER STUDY:  // WHAT IS JOIN THE JOURNEY? Join The Journey is a realistic daily Bible reading plan that helps followers of Jesus at Watermark Community Church and beyond enjoy abiding in Jesus together. Join The Journey Jr. is designed to help parents guide their kids in Bible reading through interactive and age-specific lessons. In 2026, we're studying the book of Acts—one passage per week. For another year, teaching on Sunday will align with each week's passage. Then, for the next six days, we'll return to the same passage with fresh focus, exploring insights about who God is and how we can enjoy him more deeply. Monday through Saturday, we'll approach the same passage from a different perspective each day—whether observation, interpretation, prayer, or another spiritual practice—to gain a deeper understanding and appreciation for God's Word. Then, watch or listen to the video podcast to tackle the week's toughest verses and discover key historical, theological, and practical insights. Daily Bible lessons for adults: https://jointhejourney.com Daily Bible lessons for parents and families: https://jointhejourney.com/jr Weekly Bible podcast for kids: https://podcasts.apple.com/us/podcast...  // MORE RESOURCES FROM JOIN THE JOURNEY:  Digital Bible study resources: https://jointhejourney.com/resources Previous years' print curriculum: https://www.amazon.com/stores/Waterma... Contact the Join The Journey team: jointhejourney@watermark.org  

Read OnlineJesus said to her, “Go call your husband and come back.” The woman answered and said to him, “I do not have a husband.” Jesus answered her, “You are right in saying, ‘I do not have a husband.' For you have had five husbands, and the one you have now is not your husband. What you have said is true.” John 4:16–18Today, we are given the beautiful story of Jesus' encounter with the Samaritan woman at Jacob's Well. The story begins with Jesus resting by the well, for He was “tired from his journey.” A Samaritan woman approaches the well at noon, during the heat of the day, most likely to avoid the scorn of the other women who looked down on her. Jesus then does something that greatly surprises her: He asks her for a drink of water.Jews used nothing in common with Samaritans, yet Jesus was willing to drink from her utensil. When she questioned Him about this, Jesus responded, “If you knew the gift of God and who is saying to you, ‘Give me a drink,' you would have asked him and he would have given you living water.”The “living water” Jesus desired to give her was the spiritual gift of grace to renew and refresh her soul. His divine eyes enabled Him to see her spiritual thirst, and His compassion filled Him with a desire to free her from her many burdens.The passage above might sound harsh at first: “For you have had five husbands…” Why would Jesus bring up this woman's humiliating situation? Because she had clearly been searching for fulfillment throughout her life, engaging in one failed marriage after another. Now, she was living with a man who was not her husband, a reality that left her dry and thirsty.By speaking this way to the woman, Jesus lets her know that He knows all about her, loves her, and longs to fill her with the satiation she has been searching for throughout her life. He does not judge or condemn her; He invites her to experience the freedom He longed to bestow upon her. After the encounter, the woman left the well overjoyed and even left her water jar behind, symbolizing that she was no longer thirsty—spiritually speaking. She then confidently went to the people of the town and said, “Come see a man who told me everything I have done. Could he possibly be the Christ?”Each of us needs to see ourselves in this woman. Our sins fill us with shame. The guilt of our hidden sins weighs us down, leaving us thirsty. If we can identify with this sinful woman, then we can also expect the same depth of compassion from Jesus. Too often, we hide our sins, even from ourselves, justifying our actions, downplaying them, or ignoring them. That is not the path to freedom. Freedom only comes by allowing our Lord to reveal our sins to us, facing them, and encountering God's abundant mercy.Reflect today on the importance of opening your eyes to see the reality of your sins. Don't run from your past—confront it, understand it, confess it, and receive the living water of mercy. The holier you become, the more clearly you will see even the smallest sins you have committed. That is good. It is necessary if we want to be healed and refreshed by God. Imitate this sinful woman today. God is never ashamed of us. Let the shame and guilt dissipate within God's abundant mercy so that like this woman, you will know that God knows you through and through and loves you despite your sin.My Lord and Source of Living Water, my soul is often dry and empty. I long for satiation and fulfillment. Please forgive me for trying to fulfill my soul through sin. I repent of my sins and ask You to reveal to me the full depth of those sins. As You do, please give me the grace I need to repent with all my heart so that I can be filled with Your abundant mercy. Jesus, I trust in You.Image: Christ and the Woman of Samaria by Benedetto Luti, CC0, via Wikimedia CommonsSource: Free RSS feed from catholic-daily-reflections.com — Copyright © 2026 My Catholic Life! Inc. All rights reserved. This content is provided solely for personal, non-commercial use. Redistribution, republication, or commercial use — including use within apps with advertising — is strictly prohibited without written permission.

Steven Badger from Zelle LLP joins us to talk about all the "hot topics" in the always interesting world of hail and other weather-related claims.  Steve will cover all the emerging trends in these claims, including current fraud and other abuse schemes, and provide his recommendations on how to address the common issues. He will also talk about what he is seeing with recent expanded use of the appraisal process.  Finally, Steve will talk about how his clients are addressing these issues through underwriting and policy wording changes. Notable Timestamps [ 00:07 ] - The episode introduces a discussion on emerging trends in hail and weather-related insurance claims, including fraud schemes, disputes over damage assessments, and how insurers are exploring underwriting and policy wording changes to address recurring issues. [ 01:22 ] - A key industry trend is shifting toward bigger-picture solutions that reduce disputes altogether, such as improving building resilience or changing claims processes so insurers and policyholders spend less time fighting over losses. [ 02:12 ] - Roof resiliency is a major topic. If roofing materials could withstand moderate hail, many claims would never occur, raising debate about requiring more durable materials like Class 4 hail-resistant roofing in hail-prone states. [ 03:28 ] - Some insurers already offer premium discounts for homes with Class 4 hail-rated roofs, but experts argue broader mandates may be necessary to significantly reduce hail claim frequency and stabilize insurance markets. [ 05:39 ] - Insurers report a rise in fabricated hail and wind damage claims, particularly during slow storm years when contractors relying on storm work may be tempted to create damage to generate insurance-funded repairs. [ 07:24 ] - Fabricated damage raises complex coverage questions. If a contractor intentionally damages property, insurers must consider whether the loss could fall under vandalism or malicious mischief provisions. [ 09:40 ] - Disputes often shift from scope of damage to pricing. Estimating tools like Xactimate help set initial reserves, but they are still estimates and can be manipulated by adding or removing line items. [ 11:27 ] - Many policies ultimately require payment based on the "amount actually incurred," meaning the real cost of repairs. This shifts focus from software estimates to contracts, invoices, and proof of actual payments. [ 14:08 ] - Contractors and public adjusters may inflate estimates within software systems, even adding items like adjuster commissions that are often not covered, which can raise unrealistic expectations for policyholders. [ 15:33 ] - One strategy to counter inflated estimates is obtaining real competitive contractor bids. Presenting an independent price for the same work can help challenge excessive claims and refocus negotiations on actual costs. Your PLRB Resources Invoking "Our Option" – Increased Use of Preferred Contractor Networks https://www.youtube.com/watch?v=kC_WAl0N7gI The Appraisal Process – Is it Still Useful to Resolve Disputed Claims? https://www.youtube.com/watch?v=v5YgKpL5FlI&t=1s 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 that you want to catch some fish, but all you see before you is dry sand. It hasn't rained in some time, and there is no sign of life. Now imagine that you also have a large tanker truck of water. So you pump the water out of the tanker and let it run into a depression in the sand. Let's say it takes you ten minutes to shut off the water and pull a net from the front seat. By the time you get to the small pool you've created, you can net fish.That's exactly what researchers did. And they caught instant fish! These fish are called salamander fish. They live only in the on‑again, off‑again lakes and ponds of southwestern Australia. When there is plenty of rain the fish live in their ponds, feeding on insect larvae. But when the ponds dry up, the fish follow the water table underground, burrowing into the sand and entering a kind of dormant state, apparently breathing through their skin.The salamander fish has no living relatives, and doesn't seem to be related to anything else in an evolutionary sense. Its skull is extra large and strong for its size, and its spinal bones are separated, providing extra power and mobility for digging in the sand.While millions of lakes and ponds with fish have dried up throughout history, there is no evidence that fish have ever learned to change their way of life so that they could continue to live during dry spells. The salamander fish was obviously created with this very special ability. Just as the Bible says, all creatures were created fully formed by God.Psalm 100:1-3"Make a joyful noise unto the Lord, all ye lands. Serve the Lord with gladness: come before his presence with singing. Know ye that the Lord he is God: it is he that hath made us, and not we ourselves; we are his people, and the sheep of his pasture."Prayer: Dear Lord, the salamander fish has no one but You to thank for its wonderful abilities. I thank you that this is true for all of us, and I ask that You would help me learn to see and use all the abilities You have given me to Your glory. Amen.REF.: Benowitz, Steve. Of instant fish and pickled sharks. Ohio State Quest. Image: Lepidogalaxias (slamander fish), Magdaléna Kostková, CC0, Wikimedia Commons + 256-17 Lepidogalaxias (slamander fish), Magdaléna Kostková, CC0, Wikimedia Commons + Ubs6u!d-pongsakorn, CC BY-SA 4.0, via Wikimedia Commons. To support this ministry financially, visit: https://www.oneplace.com/donate/1232/29?v=20251111

Historian Anne Applebaum, staff writer at The Atlantic,  host of their podcast "Autocracy in America" and author of Autocracy Inc. (Penguin, 2024) and offers her analysis of how President Trump and his administration are seeking to control elections, as well as science and culture, and why.   photo: "I Voted" sticker worn on lapel of fuzzy winter coat, shot during the November 2025 election in St. Paul, Minnesota.  (Funknendai, CC0, via Wikimedia Commons)

In the tenth chapter of the book of Joshua, we read how, as Israel fought for occupation of the Promised Land at Gibeon, Joshua asked the Lord to stop the sun so that Israel could finish its battle. According to Joshua 10:13, the sun stopped in mid‑sky and did not set for nearly an entire day. According to the most accurate dating, this was about 1400 BC.Our modern scientific age knows that the earth, which weighs billions of tons, revolves around the sun while turning on its axis. In order for the sun to stand still in its apparent movement across the sky, the earth would have to stop spinning. The earth spins at a speed of about 1,000 miles per hour. If it were to suddenly stop, the force would rip the earth apart. All of this is what science tells us. And from these facts, science therefore concludes that the sun could not have stopped in its path across the sky. But this final conclusion is not scientific, even if all the other facts are true.Joshua 10 tells us that God made the sun stop in its apparent path. Science admits that it cannot tell us what God can or cannot do. Science can only tell us that it would be very unlikely for the sun to stand still in the sky. But Joshua 10:14 tells us this and more—this had never happened before and had not happened again at the time Joshua was written.It's not surprising, then, to learn that, according to Aztec lore from Mexico, virtually on the other side of the world, the sun failed to rise for an entire day in the City of the Gods around 1400 BC.Joshua 10:13"And the sun stood still, and the moon stayed, until the people had avenged themselves upon their enemies. Is not this written in the book of Jasher? So the sun stood still in the midst of heaven, and hasted not to go down about a whole day."Prayer: Dear Lord, our age is a materialistic age where we deny what we cannot understand. I confess that I cannot understand how the sun could appear to stop in the sky, but I know that Your Word says that You did this great miracle. Grant me your Holy Spirit so that I may not be infected with the doubt that so permeates the world. Amen.REF.: Sitchin, Zecharia. How Jericho fell. The Christian News. Image: The Sun and the Moon Stand Still, Camden Press, CC0, Wikimedia Commons + Aztec calendar stone, Boston Public Library, PD, Wikimedia. To support this ministry financially, visit: https://www.oneplace.com/donate/1232/29?v=20251111

For Valentine's Day, Charlotte Cowles, financial advice columnist for The Cut, offers some personal finance advice for couples. Valentine's chocolates in Japan (Syced, CC0, via Wikimedia Commons)