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Read OnlineJohn the Baptist saw Jesus coming toward him and said, “Behold, the Lamb of God, who takes away the sin of the world. He is the one of whom I said, ‘A man is coming after me who ranks ahead of me because he existed before me.' I did not know him, but the reason why I came baptizing with water was that he might be made known to Israel.” John 1:29–31Though John grew up in the hill country of Judea near Jerusalem and Jesus grew up in Nazareth, it is very likely that their families visited each other regularly, allowing John and Jesus to spend time together as cousins. Despite this, when John first saw His cousin coming to him in the wilderness, he said, “I did not know him.” John did not fully understand who Jesus was—that He was the Messiah, the Lamb of God who takes away the sin of the world—until John began his public ministry and witnessed the Holy Spirit descending upon his Lord, his cousin.What an awe-inspiring and joyous moment that must have been for John. He had discerned that his mission was to prepare the way for the Messiah, to be the Messiah's immediate precursor, preparing the way for Him. He embraced that mission and fulfilled it by preaching and offering a baptism of repentance to those who believed. He lived in the wilderness, fasting, praying, and anticipating the day the Messiah would arrive. Imagine his surprise and delight at that moment when he saw the Holy Spirit descend upon his cousin.Though the Holy Spirit descended upon Jesus in a singularly unique way, since He is the Second Person of the Holy Trinity, John's experience offers us an invitation to remain vigilant as we await Jesus' ongoing coming among us. Though our Lord came and walked the Earth 2,000 years ago, He continues to do so today through His Body, the Church. Like John, we must be on the lookout, and when we see Him, we must cry out in faith, “Behold the Lamb of God!”The most important way our Lord comes to us is within the Mass. The priest repeats John the Baptist's familiar words as he holds up our Lord, hidden within the Sacred Host, for all to see. Additionally, our Lord comes to us as the Holy Spirit descends and makes Him known. This happens in sermons, reflections, Church teachings, within the charity of others' actions, through personal prayer, and in numerous other ways. We must see the Lamb of God every time He comes to us, ideally with the same wonder and awe that filled John's mind and heart during those first encounters. Reflect today on those sacred words with which we are very familiar: “Behold the Lamb of God…” As you do, ponder how often you personally “behold” Him. Are you filled with wonder and awe at Mass? Within your daily prayer? In the life of the Church and in the lives of faithful Christians you encounter? As we continue our Christmas season, which focuses on the Incarnation, make the words of the Baptist your own as you discover the ongoing presence of our Lord made possible through the Incarnation.My awe-inspiring Lord, because of Your Incarnation, You continue to be present in this world, coming to us and drawing us to Yourself. When Your cousin, John the Baptist, first saw the Holy Spirit descend upon You in the desert, he cried out, “Behold, the Lamb of God!” Please give me the eyes of faith I need to echo that cry as I encounter Your divine presence in my life. Jesus, I trust in You.Image: Annibale Carracci, CC0, via Wikimedia CommonsSource of content: catholic-daily-reflections.comCopyright © 2026 My Catholic Life! Inc. All rights reserved. Used with permission via RSS feed.

As you prepare your new year's resolutions, take a moment to ask, "What's your elevator pitch?" This holiday week, we're sharing a classic episode featuring an inspirational and thought-provoking scenario that you can bring into your personal and professional life. A claims adjuster is out at a party when they are asked: "So, what do you do for a living?" Our adjuster responds with just: "I'm in insurance claims." That's an "Oh no" moment. Turns out their cousin had a terrible experience on a claim and our adjuster is going to hear all about it, ending in: "You claims people are all cheaters!"  Notable Timestamps [ 00:36 ] - Today's scenario begins as an interpersonal encounter about explaining your career in insurance, but the elevator pitch is applicable even on claims. [ 02:05 ] - What our claims professional needed was an elevator pitch: a succinct, prepared, organized response. Whether at a party or at a claims site, our adjuster wants to know how to summarize their thoughts in a persuasive way. Ding Ding! Your elevator's here! Are you ready? [ 02:30 ] - Mike was asked: "what's your elevator pitch?" That was an "oh no" moment... [ 03:35 ] - An elevator pitch is a simple presentation that you give in the time it would take to ride an elevator: around 30 seconds. [ 04:18 ] - 1. Grab 'em at the beginning. Get their attention with a great opening. [ 04:25 ] - 2. Tell 'em what you're gonna tell 'em. Be organized in your thought process. [ 04:32 ] - 3. Hit 'em with your bid conclusion/sell/ask. Be brief and practiced. [ 05:11 ] - Alissha: "So, what do you do for a living?" Mike: 1. "I allow you to take the risks to make life worth living." 2. "Without insurance, you wouldn't be able to insure your home or car." 3. "We step in when bad things happen and we hope to get people back on their feet." [ 09:15 ] - Be prepared, be organized, be succinct. [ 10:00 ] - Let's say an insured has suffered a casualty loss. How can an elevator pitch help? 1. "I'm so sorry that this happened." Take a moment to express sincere empathy. 2. Review the medical records / facts. 3. "I know that this has impacted your life, so how about we take care of your damages?" [ 11:50 ] - What's the pitch for a hurricane loss? Again, start off with an emotional connection. Second, spell out the steps to get them back into the place they were before the accident. Third, conclude with the ask and what you need for the next steps. [ 13:35 ] - Mike applies the elevator pitch to auto claims handling. [ 15:42 ] - Mike provides a recap of the scenario and the points above. Your PLRB Resources Mike's PLRB Presents presentation on this topic: https://www.plrb.org/courses/pitching-in-an-elevator-2/lessons/pitching-in-an-elevator/ Webinar: Designing & Delivering Effective Business Presentations - https://www.plrb.org/courses/designing-delivering-effective-business-presentations/lessons/designing-delivering-effective-business-presentations/ Claims Chat: Why Should You Consider Claims as a Career? - https://www.plrb.org/courses/why-should-you-consider-claims-as-a-career/lessons/why-should-you-consider-claims-as-a-career/    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).

Summary: The faces of all whom they have lost are before them now, at the lip of the Singularity. Of Special Note: On tonight's Creature Legends, the Ti'Miri. Download Chapter 151: The Runner Download All Future Episodes, the Kaylana Miniature & Bonus Episodes --HERE-- The following recording for The Iron Realm Podcast by Katie Otten was showcased on tonight's episode: Custom Audio created for The Iron Realm by Katie Otten I edited tracks for volume, length, pitch, and mood. Katie's aforementioned audio is included with permission. Find Katie Otten online on: katieotten.com katieotten13 on Twitter, Facebook, and Instagram The following music for The Iron Realm Podcast was contributed to The Iron Realm by Max at Coltrin Compositions: What is this Melody Lost Just Beeps The Entrance I edited tracks for volume, length, pitch, and mood. Find Coltrin Compositions online on: Max's Patreon Max's YouTube Max's aforementioned audio is included with permission. The following epic audio by Scribbler was featured during tonight's episode: Custom Audio created for The Iron Realm by Scribbler Johnny I edited tracks for volume, length, pitch, and mood. Click here to visit Scribbler on Twitter X Scribbler's aforementioned audio is included on The Iron Realm with permission. The following recording for The Iron Realm Podcast by Guinefurrie was showcased on tonight's episode under the CC Attribution License 3.0: Custom Audio created for The Iron Realm by Guinefurrie find Guinefurrie on FreeSound: Guinefurrie The following selection by AmeAngelofSin was featured during tonight's episoide: Custom Audio for The Iron Realm Podcast I edited tracks for volume, length, pitch and mood. Find AmeAngelofSin online on: X YouTube or email AmeAngelofSin at AMEANGELOFSIN AT GMAIL DOT COM AmeAngelofSin's aforementioned audio is included in accordance with Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/ Crediting the talented Blue Siren for the voice of Seera (from FreeSound dot org): Custom Audio for The Iron Realm The following recording for The Iron Realm Podcast by Alexandra Drotz Ruhn was gratefully heard upon tonight's podcast: Custom Audio created for The Iron Realm by Alexandra I edited tracks for volume, length, pitch, and mood. (find Alexandra at freesound.org) Click here to visit her page Alexandra's aforementioned audio is included in accordance with Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/ My thanks as well for all audio featured under the cc0 license on tonight's podcast. The Iron Realm is intended for adult audiences. Listener Discretion is advised. The Iron Realm album art/website art was created from a public domain image/CC0 image from PixaBay. Audio on the podcast, unless otherwise noted, has either been created by the author or has been used in accordance with the Creative Commons Zero license. A new Iron Realm Podcast is released periodically and each is a labor of my love for Solo RPG Gaming. Enjoy and support the show. And fare ye well, Traveler of The Maze, in the light and in the dark. Subscribe to The Iron Realm Podcast!

Det spanska inbördeskriget utkämpades mellan 1936-39, åren före andra världskrigets utbrott. Kriget var i alla avseenden hänsynslöst och blodigt. Spanien skulle kunna uppfattas som en övningsarena för den tyska krigsmakten före andra världskriget.Konflikten visade upp alla inbördeskrigets karakteristika: summariska avrättningar av fångar, brutala övergrepp på civil befolkningen, hat och urskiljningslöshet mot politiska motståndare. I kriget dog åtminstone 500 000 människor – militärer och stridande.I veckans repris t av Militärhistoriepodden diskuterar historieprofessor Martin Hårdstedt och doktoranden Peter Bennesved, bägge verksamma vid Umeå universitet, olika aspekter av spanska inbördeskriget.Kriget väckte starka känslor över hela världen, men det blev högerdiktaturerna Tyskland och Italien som framförallt bidrog militärt till upprorssidan ledd av generalen Franco. Republiken fick hålla till godo med frivilliga och ett tvivelaktigt militärt stöd från Sovjetunionen. Västdemokratierna förhöll sig neutrala. På republikens sida deltog omkring 600 svenskar.Ur militär synvinkel är det italienska och tyska deltagande med trupper och materiel särskilt intressant. Både Mussolini och Hitler sände sammanhållna förband och rådgivare till nationalistsidan under Franco. Dessutom en hel del modern materiel. Mest känd är den tyska Condorlegionen som understödde nationalisterna och gjorde stora insatser genom att ge Francos trupper ett övertag i luften med sina moderna stridsflygplan. Frågan är om Spanien skulle kunna uppfattas som en övningsarena för den tyska krigsmakten före andra världskriget. I avsnittet diskuteras bland annat det verkliga värdet av de erfarenheter som de italienska och tyska insatserna verkligen gav.Den tyska bombningen av Guernica i april 1937. Vad hände egentligen och hur ska vi förstå bombningen? Händelsen leder in på frågor om det förändrade kriget och civilbefolkningens situation i händelse av ett storkrig i Europa vid tiden för spanska inbördeskriget. Spanska inbördeskriget gav brutala föraningar om vad ett systematiskt bombkrig mot civila mål skulle kunna innebära. På plats var svenskar som upplevde nationalistsidans anfall mot i stort sätt försvarslösa städer.Bild: Beväpnade civila från den republikanska sidan under slaget vid Irún 1936. Bilden visar hur civilpersoner deltog aktivt i försvaret mot de nationalistiska trupperna under det tidiga skedet av det spanska inbördeskriget. Slaget vid Irún var avgörande för kontrollen över gränsen till Frankrike, och dess utgång innebar att nationalisterna kunde bryta förbindelserna mellan republiken och omvärlden. Okänd fotograf. Bild: Republican forces during the Battle of Irún, 1936. Public domain (CC0). Källa: Wikimedia Commons. Hosted on Acast. See acast.com/privacy for more information.

Featured on Bouska: The Hawk - by Mandy Munro GAME - by Laurence Klavan Yabberjack - by David Horn Our Audio License AntipodeanSF Radio Show by Ion Newcombe is licensed under CC BY-NC-ND 4.0 Featured Music Soaring Hawk by John Bartmann is licensed under a CC0 1.0 Universal License. Puzzle by Drake Stafford is licensed under a Attribution License. Australian Wasteland by Eva Sсhlegel is licensed under a Attribution-NonCommercial-ShareAlike License. Intro & Outro Music Celestial Navigation by Blue Dot Sessions is licensed under a Attribution-NonCommercial License

Read OnlineJesus said to his disciples: “Beware of men, for they will hand you over to courts and scourge you in their synagogues, and you will be led before governors and kings for my sake as a witness before them and the pagans.” Matthew 10:17–18These words capture the essence of the martyrdom of Saint Stephen, the Church's first martyr, whom we honor today. The day after celebrating the birth of Christ, the Church, in her wisdom, reflects on the reality of persecution as a consequence of worshiping the newborn King.The Jewish community in Jerusalem was diverse, with traditional Hebraic Jews and Hellenistic Jews who were influenced by the Greco-Roman culture. As Jews began to convert to Christianity, a new unified community of believers emerged. Despite this unity, tensions arose, particularly when Hellenistic widows were neglected in the daily distribution of bread. To address this, the Apostles appointed seven deacons, with Stephen being the first, likely a Hellenist himself.Stephen, described as “a man filled with faith and the Holy Spirit,” performed great wonders among the people. When confronted by Hellenistic Jews, he defended the faith with wisdom and courage, leading to his being dragged before the Sanhedrin. His eloquent defense angered his opponents, resulting in his stoning. In his final moments, Stephen commended his spirit to Jesus and prayed for his persecutors.At first, his martyrdom seemed a tragic loss that sparked a wave of persecution and scattered the Christian community throughout the countryside of Judea and Samaria. This dispersion, however, spread the Gospel beyond Jerusalem, leading to many new converts. What appeared to be a tragedy became a catalyst for the growth of the early Church.As we honor Saint Stephen, reflect on the truth that God permits evil only to draw greater good from it. If you face suffering or persecution, let today's feast inspire hope. Trust in God's plan, reject fear, and embrace His will, knowing that He can use every cross for His glory. Saint Stephen, you were a man filled with grace and power, deeply committed to Jesus and the proclamation of the Gospel. Please pray for me, that I will have your courage and faith so that God can use me to further His Kingdom by drawing many souls to Him. Saint Stephen, pray for me. Jesus, I trust in You.Image: Giovanni Andrea de Ferrari, CC0, via Wikimedia CommonsSource of content: catholic-daily-reflections.comCopyright © 2025 My Catholic Life! Inc. All rights reserved. Used with permission via RSS feed.

サイクリング関連の気になるニュースの話をするNEWS UPDATE

Almost every serious discussion about options to constrain the development of advanced AI results in someone raising the question: “But what about China?” The worry behind this question is that slowing down AI research and development in the US and Europe will allow China to race ahead.It's true: the relationship between China and the rest of the world has many complications. That's why we're delighted that our guest in this episode is Kayla Blomquist, the Co-founder and Director of the Oxford China Policy Lab, or OCPL for short. OCPL describes itself as a global community of China and emerging technology researchers at Oxford, who produce policy-relevant research to navigate risks in the US-China relationship and beyond.In parallel with her role at OCPL, Kayla is pursuing a DPhil at the Oxford Internet Institute. She is a recent fellow at the Centre for Governance of AI, and the lead researcher and contributing author to the Oxford China Briefing Book. She holds an MSc from the Oxford Internet Institute and a BA with Honours in International Relations, Public Policy, and Mandarin Chinese from the University of Denver. She also studied at Peking University and is professionally fluent in Mandarin.Kayla previously worked as a diplomat in the U.S. Mission to China, where she specialized in the governance of emerging technologies, human rights, and improving the use of new technology within government services.Selected follow-ups:Kayla Blomquist - Personal siteOxford China Policy LabThe Oxford Internet Institute (OII)Google AI defeats human Go champion (Ke Jie)AI Safety Summit 2023 (Bletchley Park, UK)United Kingdom: Balancing Safety, Security, and Growth - OCPLChina wants to lead the world on AI regulation - report from APEC 2025China's WAICO proposal and the reordering of global AI governanceImpact of AI on cyber threat from now to 2027Options for the future of the global governance of AI - London Futurists WebinarA Tentative Draft of a Treaty - Online appendix to the book If Anyone Builds It, Everyone DiesAn International Agreement to Prevent the Premature Creation of Artificial SuperintelligenceMusic: 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

During this time of year as many people are exchanging presents, I'm sure you're all wondering exactly how those various gadgets would be classified under the HO3 policy. So for this holiday week, we're sharing a classic episode featuring an excellent coverage scenario. The insured, a father of 4, was out buying Christmas gifts for his children. This year he decided to splurge and buy each of them a drone and an Apple Watch. On his way back home, he stopped to get gas, and when he went into the minimart for coffee, a thief stole everything out of the back seat. The insured notified the police and submitted a claim under his ISO 1991-edition HO3. The adjuster considers this to be a covered Theft loss, but she knows there are specific provisions in the policy for watches and aircraft. Notable Timestamps [ 00:17 ] - A theft claim is submitted for four drones and four smartwatches under the 1991 HO3. The question arises whether special provisions for aircraft and watches applies. [ 01:27 ] - The team debates the merits of drones and smartwatches, their capabilities for wall damage and dog-scaring, and the wisdom of being notified emails the instant they are received. [ 03:09 ] - A $1,000 special limit of liability applies to theft of "watches." Is an Apple Watch a watch? [ 03:42 ] - Alissha argues that smartwatches are too different from a basic time-telling watch, and is more like a phone. Smartwatches were likely not part of the original policy intent. [ 04:55 ] - Mike argues that it's called an "Apple Watch" -- its makers and users consider it a watch, even if it's more complex. [ 06:05 ] - The group quotes Shakespeare and Merriam-Webster; it tells the time and it's on your wrist, so… [ 06:30 ] - Grassie v. Merrimack Mut. Fire Ins. Co., 291 A.2d 254 (N.H. 1972) (watches that were inoperable and kept in display case were still subject to special limit of liability for theft of watches). [ 07:00 ] - Ambiguities are construed in favor of the insured. So both sides need to hire a good lawyer. [ 07:52 ] - How would the policy treat an iPhone strapped to your arm? Coverage C would likely provide full coverage for a smartphone. [ 09:51 ] -  "Property Not Covered" includes "aircraft"… but "model or hobby aircraft not used or designed to carry people or cargo" are covered.  [ 10:20 ] - Toy drones likely fall under hobby aircraft. [ 11:15 ] - This scenario looked at what's covered property, but a drone could also be a covered cause of loss, even if it destroys itself. [ 12:40 ] - Unlike BP and CP forms, there's no concern about the loss happening off-premises; homeowners get worldwide coverage for Coverage C. [ 14:19 ] - In the 2022 ISO form, a $2,000 special limit of liability applies to model or hobby aircraft. [ 15:51 ] - Under the recovered property provision, if the thief is caught after the amount is paid, the insured can choose to return the payment or have the insurer salvage the goods. [ 18:00 ] - Tim provides a recap of the scenario and the points above. Your PLRB Resources FAQ, Drones and First Party Property Coverage, http://search.plrb.org/?DN=60514 FAQ, Is a Drone an Aircraft Under the CGL Policy?, http://search.plrb.org/?DN=56440 Coverage Question on "Is An Apple Watch Considered A Watch Or A Computer?" - https://search.plrb.org/?dn=58826&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. Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Read OnlineBut the angel said to him, “Do not be afraid, Zechariah, because your prayer has been heard. Your wife Elizabeth will bear you a son, and you shall name him John. And you will have joy and gladness, and many will rejoice at his birth, for he will be great in the sight of the Lord.” Luke 1:13–15Unlike Saint Joseph and the Blessed Virgin Mary, Zechariah doubted the angel of the Lord's revelation. Our Blessed Mother encountered the Archangel Gabriel at the Annunciation and responded, “Behold, I am the handmaid of the Lord. May it be done to me according to your word” (Luke 1:38). An angel of the Lord appeared to Joseph in a dream, and when Joseph awoke, “he did as the angel of the Lord had commanded him” (Matthew 1:24).Today, we are given a similar scene to ponder. Zechariah and Elizabeth are identified as being “righteous in the eyes of God, observing all the commandments and ordinances of the Lord blamelessly” (Luke 1:6). In other words, Zechariah was a holy man of God. While he was standing at the altar of incense located in the Holy Place, just outside the veil of the Holy of Holies, the Archangel Gabriel appeared to him to announce that his wife had conceived a child in her old age. Gabriel further reveals, “He will be filled with the Holy Spirit even from his mother's womb, and he will turn many of the children of Israel to the Lord their God” (Luke 1:15–16).Given Zechariah's personal holiness and the extraordinary revelation he received from Gabriel, he should have believed what Gabriel said without hesitation. When he failed to do so, Gabriel said to him, “I am Gabriel, who stand before God. I was sent to speak to you and to announce to you this good news. But now you will be speechless and unable to talk until the day these things take place, because you did not believe my words…” (Luke 1:19–20).This chastisement was clearly for Zechariah's benefit. Despite his lack of faith, God wanted him to participate in His divine plan of salvation. The chastisement was not a punishment in a punitive way. It was meant to instill greater faith in him, and it accomplished its purpose.Most of us are more like Zechariah than we are like our Blessed Mother and Saint Joseph. Despite our best intentions and attempts to remain faithful to God's will, we stumble. When that happens, we must see any consequences as a gift of love from God. Chastisements come in many forms. They are meant to wake us up to a greater obedience to God's will. Reflect today on any ways that your sins have resulted in consequences. It takes deep humility to admit our sins and take responsibility for their effects. Though it is easy to be angry, to point the finger elsewhere, and to justify our actions, doing so is a rejection of God's loving chastisement meant for our good. Strive to imitate Zecharaiah by humbly changing when your sin results in consequences so that God can bring good into your life, even from a lack of faith and obedience to His will.Most merciful Lord, You chastise those whom You love so as to redirect them to Your holy will. When I sin, please help me to accept the consequences with humility and as a motivation to turn back to You in fidelity and love. Please make me holy in imitation of Zechariah, Saint Joseph, and our Blessed Mother. Jesus, I trust in You.Image: William Blake, CC0, via Wikimedia CommonsSource of content: catholic-daily-reflections.comCopyright © 2025 My Catholic Life! Inc. All rights reserved. Used with permission via RSS feed.

In this special alumni edition, three Penn Staters (Jill Ferguson '98, Jaden Crudup '25, and Alysha Foo '25) reflect on their unexpected career paths and the lessons they learned along the way. From operational leadership to legal strategy and organizational transformation, they offer candid stories about growth, purpose, and navigating an industry where people, food, and values intersect.Music credit: "West in Africa" by John Bartmann is licensed under a CC0 1.0 Universal License.

サイクリング関連の気になるニュースの話をするNEWS UPDATE

Our guest in this episode is Stephen Witt, an American journalist and author who writes about the people driving the technological revolutions. He is a regular contributor to The New Yorker, and is famous for deep-dive investigations.Stephen's new book is "The Thinking Machine: Jensen Huang, Nvidia, and the World's Most Coveted Microchip", which has just won the 2025 Financial Times and Schroders Business Book of the Year Award. It is a definitive account of the rise of Nvidia, from its foundation in a Denny's restaurant in 1993 as a video game component manufacturer, to becoming the world's most valuable company, and the hardware provider for the current AI boom.Stephen's previous book, “How Music Got Free”, is a history of music piracy and the MP3, and was also a finalist for the FT Business Book of the Year.Selected follow-ups:Stephen Witt - personal siteArticles by Stephen Witt on The New YorkerThe Thinking Machine: Jensen Huang, Nvidia, and the World's Most Coveted Microchip - book siteStephen Witt wins FT and Schroders Business Book of the Year - Financial TimesNvidia ExecutivesBattle Royale (Japanese film) - IMDbThe Economic Singularity - book by Calum ChaceA Cubic Millimeter of a Human Brain Has Been Mapped in Spectacular Detail - NatureNotebookLM - by GoogleMusic: Spike Protein, by Koi Discovery, available under CC0 1.0 Public Domain DeclarationHow Hacks HappenHacks, scams, cyber crimes, and other shenanigans explored and explained. Presented...Listen on: Apple Podcasts Spotify PodMatchPodMatch Automatically Matches Ideal Podcast Guests and Hosts For Interviews

Sod's Country Farms was raising 65,000 chickens when a fire burned down the poultry house. After a detailed investigation, the cause of the fire was undetermined. To further complicate matters, Sod's Country Farms didn't even own the chickens themselves, but raised them for a vendor. They want to know if the property loss of the  animals is covered-- and what policy would be most appropriate.   Notable Timestamps [ 00:00 ] - A poultry house fire destroys 65,000 chickens, but the insured doesn't own the birds. [ 03:30 ] - Contract Growing is common in agriculture, with farmers raising animals owned by vendors.  [ 05:20 ] - Under the ISO BOP, animals are generally excluded, but exceptions exist for animals owned by others and "boarded" by the insured. [ 07:00 ] - Courts may rely on dictionary definitions when policy terms like "boarded" are undefined. [ 09:00 ] - Adjusters should review the contract for risk transfer provisions, insurance requirements, and other-insurance clauses to understand responsibilities and potential overlap. [ 11:30 ] - Standard BOP coverage can fall short for farming operations. Specialized farm policies are designed to address poultry risks more directly through scheduling and declaration-based coverage. [ 13:30 ] - Declarations pages matter in agricultural losses. How buildings, poultry locations, and coverage types are defined can determine whether coverage applies or is excluded. [ 15:30 ] - Valuing large-scale poultry losses is complex, involving age, weight, market timing, pricing data, and delay to market, often guided by specific policy language on cash market value. [ 17:15 ] - Brennan summarizes the key points above. Your PLRB Resources Annotation: BP191 - Animals - https://members.plrb.org/documents/bp191-animals Podcast Episode: Don't Count Your Chicken Coops Before They're Insured - https://members.plrb.org/education/courses/dont-count-your-chicken-coops-before-theyre-insured Listeners can email education@plrb.org for help navigating resources, requesting new content, or getting tailored curriculum support. 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).

Alex is a team leader working with a mix of experienced adjusters and brand-new claims professionals, some assigned to the field and others working behind a desk. Alex has to make sure his team has the training they need to approach their work with confidence. Luckily PLRB.org's Education Hub has everything they need to succeed.   Notable Timestamps [ 00:10 ] - The PLRB Education Hub supports team leaders like Alex with training for both new and experienced adjusters to build confidence in handling claims. [ 01:25 ] - Update #1: A new critical thinking course will help adjusters analyze information, decide when to bring in experts, and resolve claims fairly and in good faith. [ 02:20 ] - Update #2: The annual "Claims Resolution" webinar series will address ethics of automation, bad faith in AI, and how emerging tech affects investigations. [ 03:35 ] - Update #3: A new PLRB designation program aims to take adjusters from entry level through line-of-business-specific training with elective options. [ 05:05 ] - The Education Hub offers 200+ recorded webinars, podcasts, modules, and downloadable slide decks as an on-demand claims knowledge library. [ 06:35 ] - "Test Your Claims Knowledge" microlearning modules use flashcards, definitions, photos, and scenarios for quick, interactive training. [ 08:45 ] - Member companies can integrate PLRB courses, webinars, microlearnings, and even this podcast directly into their own LMS platforms. [ 12:55 ] - PLRB will help members curate custom courses by combining videos, quizzes, and interactives in any sequence to match specific training goals. [ 14:10 ] - The library includes 100+ non-CE modules, about 200 podcasts, some 250 recorded webinars, plus many shorter video series for flexible learning. [ 16:25 ] - Mike summarizes the key points above. Your PLRB Resources Upcoming Events: PLRB Conferences & More! https://www.plrb.org/events PLRB Education HUB: https://members.plrb.org/education Listeners can email education@plrb.org for help navigating resources, requesting new content, or getting tailored curriculum support. Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Our guest in this episode is Holly Elmore, who is the Founder and Executive Director of PauseAI US. The website pauseai-us.org starts with this headline: “Our proposal is simple: Don't build powerful AI systems until we know how to keep them safe. Pause AI.”But PauseAI isn't just a talking shop. They're probably best known for organising public protests. The UK group has demonstrated in Parliament Square in London, with Big Ben in the background, and also outside the offices of Google DeepMind. A group of 30 PauseAI protesters gathered outside the OpenAI headquarters in San Francisco. Other protests have taken place in New York, Portland, Ottawa, Sao Paulo, Berlin, Paris, Rome, Oslo, Stockholm, and Sydney, among other cities.Previously, Holly was a researcher at the think tank Rethink Priorities in the area of Wild Animal Welfare. And before that, she studied evolutionary biology in Harvard's Organismic and Evolutionary Biology department.Selected follow-ups:Holly Elmore - substackPauseAI USPauseAI - global siteWild Animal Suffering... and why it mattersHard problem of consciousness - WikipediaThe Unproven (And Unprovable) Case For Net Wild Animal Suffering. A Reply To Tomasik - by Michael PlantLeading Evolution Compassionately - Herbivorize PredatorsDavid Pearce (philosopher) - WikipediaThe AI industry is racing toward a precipice - Machine Intelligence Research Institute (MIRI)Nick Bostrom's new views regarding AI/AI safety - redditAI is poised to remake the world; Help us ensure it benefits all of us - Future of Life InstituteOn being wrong about AI - by Scott Aharonson, on his previous suggestion that it might take "a few thousand years" to reach superhuman AICalifornia Institute of Machine Consciousness - organisation founded by Joscha BachPausing AI is the only safe approach to digital sentience - article by Holly ElmoreCrossing the Chasm: Marketing and Selling High-Tech Products to Mainstream Customers - book by Geoffrey MooreMusic: Spike Protein, by Koi Discovery, available under CC0 1.0 Public Domain Declaration

Svensk militär började planera för en invasion av Danmark redan 1942, enligt officiella dokument. Oro fanns att det Tredje riket skulle orsaka ett blodbad i grannlandet när krigslyckan började vända. Med tusentals tyska soldater kvar i landet och Sovjetunionen på väg västerut förbereddes en militär operation för att landsätta svenska trupper på Själland och Bornholm.Operation Rädda Danmark byggde på antaganden om begränsat tyskt motstånd och låga förluster. Men den svenska regeringen visade egentligen aldrig något verkligt intresse för att ingripa militärt i Danmark. I slutändan hann britterna befria Danmark innan någon order om svenskt ingripande gavs.Detta är det andra av två avsnitt i podden Historia Nu om Operation Rädda Danmark. Programledaren Urban Lindstedt samtalar med författaren Marcus Törner om operationens bakgrund, strategiska överväganden – och varför den till slut aldrig genomfördes. Törner är aktuell med boken Operation Rädda Danmark – Sveriges hemliga plan att rädda Danmark (Historiska Media, 2025).Danmark ockuperades av Nazityskland den 9 april 1940 utan egentligt motstånd. Till skillnad från Norge satt den danska regeringen kvar vid makten och kungen stannade i landet. Inledningsvis var ockupationen relativt mild, men med tiden hårdnade det tyska förtrycket – och även det danska folkets motstånd ökade.Under våren 1945 närmade sig Nazitysklands sammanbrott. I Danmark fanns fortfarande betydande tyska ockupationsstyrkor, och hotet om en sovjetisk ockupation – eller en våldsam slutstrid på dansk mark – oroade svenska beslutsfattare.Sverige, som formellt varit neutralt under hela kriget, ställdes inför ett allvarligt säkerhetspolitiskt dilemma: skulle man passivt iaktta hur tyska och eventuellt sovjetiska styrkor drabbade samman i Danmark? Riskerna för civilbefolkningen och destabilisering i Öresundsregionen bedömdes som betydande. I detta sammanhang började man planera en militär intervention – ett tydligt avsteg från Sveriges tidigare hållning.Operationen bestod av två delar: Rädda Själland – en större landstigning på Själland där Köpenhamn ligger – och Rädda Bornholm, riktad mot den strategiska ön i Östersjön.Planen var omfattande: upp till 60 000 svenska soldater, omkring 6 000 fordon och över 1 000 transportfartyg skulle mobiliseras. Den svenska arméns III. kår – med 1:a och 9:e infanteridivisionerna, 7:e motorbrigaden och 8:e pansarbrigaden – var avsedda att delta.Bild: Den danska brigaden efter ankomst till Hellerup station i Danmark. Fotot visar den danska brigaden, som tränats i Sverige under den tyska ockupationen, vid deras återkomst till Danmark efter krigsslutet. Brigadens närvaro markerade ett symboliskt ögonblick av återupprättad nationell suveränitet.Källa: Okänd fotograf, Bild: Nationalmuseet Köpenhamn. Public Domain.Musik: Aksel Schiøtz framför Danmarks nationalsång "Der er et yndigt land" tillsammans med medlemmar ur Det Kongelige Kapel, 1945. Inspelningen är utgiven av His Master's Voice (katalognummer X 6982) och digitaliserad av Internet Archive med tillstånd av George Blood, L.P. (CC0-licens, ingen upphovsrätt).Sången, med text av Adam Oehlenschläger och musik av Hans Ernst Krøyer, uttrycker dansk nationalism och hembygdskärlek. Denna version spelades in kort efter andra världskrigets slut, vilket ger den en särskild historisk laddning.Klippare: Emanuel Lehtonen Hosted on Acast. See acast.com/privacy for more information.

After a thoughtful hiatus, allinfoodz is back! Host Dr. Amit Sharma reflects on the podcast's journey since 2017 — from its roots in exploring the complex world of food systems to its renewed vision for the future. In this relaunch episode, Dr. Sharma introduces new producer and editor Alicia Skeath and shares what listeners can expect in the episodes ahead.Music credit: "West in Africa" by John Bartmann is licensed under a CC0 1.0 Universal License.

President Andrew "Andy" Feinstein of the University of Northern Colorado joins us to discuss the changing landscape of higher education, where access, relevance, workforce expectations, and hospitality-inspired leadership converge to define the next generation of universities.Music credit: "West in Africa" by John Bartmann is licensed under a CC0 1.0 Universal License.

Danmark hade i praktiken inget militärt försvar när Tyskland inledde Operation Weserübung den 9 april 1940. Den tyska invasionen ledde snabbt till att Danmark kapitulerade, utan att några egentliga strider utkämpades. Regeringen, kungen och militären valde att samarbeta med den tyska ockupationsmakten.För många tyska soldater blev stationeringen i Danmark ett tillfälle till vila och rekreation – ett liv på den så kallade ”gräddfronten”. Men med tiden växte motståndet bland den danska befolkningen, och ockupationen hårdnade successivt.Detta är det första av två avsnitt av podden Historia Nu om Operation Rädda Danmark. Programledaren Urban Lindstedt samtalar med författaren Marcus Törner om planens bakgrund, de strategiska övervägandena – och varför Operation Rädda Danmark till slut aldrig genomfördes. Törner är aktuell med boken Operation Rädda Danmark – Sveriges hemliga plan att rädda Danmark.Till en början präglades ockupationen av att den danska regeringen och kung Christian X satt kvar. Samhällets institutioner – från polisväsendet till rättsväsendet – fortsatte att fungera under dansk kontroll, även om tyskarna hade militär närvaro. Regeringen valde samarbete i syfte att skydda civilbefolkningen och bevara ett visst mått av självständighet. Tyskland å sin sida önskade stabilitet i ett strategiskt viktigt område.Även om vardagen förändrades – med ransoneringar, censur och mörkläggning – förblev stora delar av samhällsfunktionerna intakta. Skolor, butiker och myndigheter höll öppet. Kung Christian X:s dagliga ridturer genom Köpenhamn blev en symbol för nationell värdighet och kontinuitet trots ockupationen.Under de första åren (1940–1942) var motståndet begränsat: illegal press, mindre sabotage och underrättelseverksamhet. Men 1943 blev ett avgörande år. I augusti utbröt strejker och demonstrationer i flera städer – bland annat i Odense, Esbjerg och Köpenhamn – främst bland industriarbetare.Den tyska responsen blev brutal. I september 1943 upplöstes den danska regeringen, militären avväpnades och Tyskland tog full kontroll över landet. Samarbetsmodellen var därmed avslutad. I dess ställe följde en mer repressiv ockupation med ökande arresteringar, hårdare censur och våldsamma motåtgärder.Omslag: Kung Christian X dagliga ridtur utan livvakt i Köpenhamn under andra världskriget stärkte danskarnas nationella sammanhållning. Hans närvaro blev en tyst men tydlig protest mot den tyska övermakten. Bilden är tagen på hans 70-årsdag den 26 september 1940, Foto: C. Næsh Hendriksen, Den danske Kamp i Billeder og Ord, Odense: Bogforlaget Dana, 1945, s. 176.Bilden är public domain enligt dansk lag, då den inte betraktas som ett konstverk och är äldre än 50 år.Bildtext: Upplopp i Nørrebro, Köpenhamn, 1944 – under den tyska ockupationen av Danmark. Fotot visar dramatiken på stadens gator när motståndsrörelsen och civila konfronterade ockupationsmakten.Källa: Frihedsmuseets fotoarkiv; Frihedsmuseet, Köpenhamn, Danmark. Wikipedia, Public Domain.Musik: Aksel Schiøtz framför Danmarks nationalsång "Der er et yndigt land" tillsammans med medlemmar ur Det Kongelige Kapel, 1945. Inspelningen är utgiven av His Master's Voice (katalognummer X 6982) och digitaliserad av Internet Archive med tillstånd av George Blood, L.P. (CC0-licens, ingen upphovsrätt). Sången, med text av Adam Oehlenschläger och musik av Hans Ernst Krøyer.Klippare: Emanuel Lehtonen Hosted on Acast. See acast.com/privacy for more information.

サイクリング関連の気になるニュースの話をするNEWS UPDATE

Jamie has been a property adjuster for some time now and is ready to graduate to larger and more complex losses involving hurricanes, construction defects, historic buildings, massive commercial structures, and more. Chris is a seasoned large loss adjuster looking to hone their practice in the casualty arena and network with others in their area. To address these questions, we'll take them to the PLRB Large Loss Conference.   Notable Timestamps [ 00:15 ] - The conference attracts adjusters ready to move into larger and more complex losses, giving them exposure to hurricanes, defects, historic buildings, and large commercial structures. [ 01:40 ] - Attendees include seasoned adjusters, newcomers to large loss work, EGAs, casualty specialists, and experts like engineers and forensic accountants, creating a fully integrated learning environment. [ 03:45 ] - Sessions use real or modeled claim scenarios to walk participants through years of handling, highlighting decision points, mistakes, successes, and insights from complex losses. [ 06:20 ] - Topics span property, casualty, liability, business interruption, food contamination, smoke damage, and multi-claimant events, ensuring relevance to a broad range of adjusters. [ 08:52 ] - Presenters use interactive tools—polling, role assignments, breakout groups, and scenario debates—to let attendees test coverage positions and compare investigative approaches. [ 11:45 ] - Networking is built into the event with receptions, meals, and vendor interactions, giving adjusters chances to reconnect with long-time colleagues and meet new industry partners. [ 13:15 ] - Intimate spaces and structured seating make it easy to meet people from across the country, fostering mentorship opportunities and cross-disciplinary conversations. [ 15:20 ] - Mike summarizes the key points above. Your PLRB Resources Upcoming Events: PLRB Conferences & More! https://www.plrb.org/events CE Course: A Deep Dive Into a Premises Liability Claim, Part 1 https://members.plrb.org/education/courses/a-deep-dive-into-a-premises-liability-claim-part-1 Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Featured on Botolphia: The Translation Room - by Jennifer Bisset All Is Full of Love - by Dorian Blackwood Reaction Shot - by Todd Sullivan Our Audio License AntipodeanSF Radio Show by Ion Newcombe is licensed under CC BY-NC-ND 4.0 Featured Music Mandarin Orange by Jangwa is licensed under a Attribution-NonCommercial 4.0 International License. When you see that you were subject of experiment by Komiku is licensed under a CC0 1.0 Universal License. Magnet by Mystery Mammal is licensed under a Attribution License. Intro & Outro Music Celestial Navigation by Blue Dot Sessions is licensed under a Attribution-NonCommercial License

In Old Saybrook, CT on December 16, 1957, between the hours of 2 and 3 A.M., a local teacher witnessed something incredible: outside her window, Mary M. Starr saw a spaceship with aliens inside. Her encounter was not the first. Leaving behind a trail of mysteries and murders, the Case of the Saybrook Blockheads is one of fear, greed, and secrecy.CREDITSAtomic Snapshots of Shared Memory.mp3 by  Geoff Keston is licensed under a Attribution 4.0 International License.Zinc by  CXR ATK is licensed under a Attribution-NonCommercial-ShareAlike 4.0 International License.Manoeuvre by  CXR ATK is licensed under a Attribution-NonCommercial-ShareAlike 4.0 International License. Land-escape by  Safir Nou is licensed under a Attribution-NonCommercial-NoDerivatives 4.0 International License.  отдушинка by  Kosta T is licensed under a CC0 1.0 Universal License. SOURCEShttps://www.ufoinsight.com/aliens/encounters/alien-encounters-mary-starr-suzanne-knighthttps://bogleech.com/realalienshttps://cryptidz.fandom.com/wiki/Old_Saybrook_BlockheadsSend the BCWPA a message!Support the showDo you have information, feedback, or a question? Submit a report.Grab a cryptid study, visit the Ballyraven store.

This holiday week, we're sharing a classic episode about the PLRB Building Codes department. The adjuster on a hail claim receives a long list of line items that are "required by code." Once the old shingles are torn off, they find rot and gaps in the sheathing, and the contractor says a thicker sheathing is now required by code.    Notable Timestamps [ 00:10 ] - Ice barriers, drip edges, a double felt underlayment... Searching the internet only leads the adjuster spiralling down a rabbit hole. [ 01:30 ] - What internet rabbit holes have you gone down? [ 04:28 ] - With PLRB's updated Address Report, members can provide an address and specify details such as rafter spans. [ 05:05 ] - PLRB's Building Codes Address Report provides the adopted building code for a specific address, ensuring it falls within the correct city boundaries (e.g., Parma, Ohio). [ 06:39] - Hail reports from NOAA are also included, allowing adjusters to confirm if hail was present in the area on the claim date. They also provide state-specific matching information, such as Ohio's "reasonable comparable appearance" standard. [ 08:27 ] - The report includes diagrams that visually differentiate between modern wood structural panels and older lumber sheathing (planks), explaining concepts like H-clips for edge support. [ 11:31 ] - The reports clarify requirements for common contractor-claimed line items, such as ice barriers, confirming if they are required (e.g., statewide in Ohio) and providing links to the source of this information. [ 14:14 ] - The "Ask a code question" button links to a form where building code experts will research the specific inquiry and provide citations and links back to the member. [ 15:44 ] - Ruth provides a recap of the points above. Your PLRB Resources Building Codes Hub & Address Report - https://members.plrb.org/building-codes FAQ: When is Double Underlayment Required? - https://www.plrb.org/documents/when-is-double-felt-underlayment-required/?search=When%20is%20Double%20Felt%20Underlayment%20Required? Ask a Building Code Question - https://www.plrb.org/building-codes/ask-plrb-building-code-question/ 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).

While investigating a murder, a single-celled detective encounters bacterial filaments, proto-multicellular colonies, and a new concept called "love." Genre: Mystery, Science Fiction   Excerpt: "It's not an accident," Dina said. She spun out a flagellum to wave to him. Harry sighed. "I wouldn't be here if it was." He glanced over at the couple of uniformed diatoms who were keeping any floaters-by from getting too close a look at the crime scene. He glided toward Dina. "How's your day so far, Doc?" he asked. "Same as yours, I imagine. But much, much better than his." Dina moved out of the way, giving Harry a better view of the victim.   What story or stories am I revisiting in this episode? Each Season 8 episode is a standalone story, but it's connected to or inspired by a previous story through a character, a place, an object, a concept, a continuation of events (ahem, sequel), and so on. I've written at least a couple of previous stories about single-celled organisms doing and being more than they're expected. Here are those episodes: Amoeba: A Modern Fable Rise of the Prokaryotes   MY FIRST BOOK (yay)Ever wonder how I've gotten all these hundreds of stories written?  I have a method. And I talk all about it in my book called Fictioneer's Field Guide: A Game Plan for Writing Short Stories. It's now available from Amazon as an eBook, paperback, and hardcover. You can also get there from my Store page: STORYFEATHER STORE   The Store page also has sign-up forms for my two email newsletters: Storyfeather Gazette (if you'd like to keep up with the fiction I create) Fictioneer's Field Guide (if you'd like writing tips and guidance from me)   Choose what you want. (Either way, you're choosing high jinks.)     MERCH!Interested in merch, like mugs and notebooks, featuring my artwork? Please visit my Store page for info on where you can buy: STORYFEATHER STORE   CREDITSStory: "The Unicellular Detective" Copyright © 2021 by Nila L. Patel Narration, Episode Art, Editing, and Production:  Nila L. Patel   Music: "Smoke" by RAFAEL ARCHANGEL (Intro & Outro) "Abstract Vision #5" by ANDREW SITKOV (Outro)   Music by RAFAEL ARCHANGEL "Persistence With Beat" "So Cold" "Deep Dive" "Smoke" "Forgotten" "Persistence"   Music by NICHOLAS JEUDY* "Unsolved" "Inspector" "Trojan horse" "Under the mask" "Whispers" "Doubts" "Master" "Negociation (seamless)"   *These tracks are part of a music and sound effects bundles I purchased from Humble Bundle and sourced from GameDev Market.   Music by Nicholas Jeudy and Andrew Sitkov is licensed from GameDev Market Music by Rafael Archangel is licensed under CC0 1.0 Universal Sound effects from AudioJungle, GameDevMarket, and Soundly (through Hindenburg) Changes made to the musical tracks? Just cropping of some to align with my narration.   Find more music by Benjamin Carr and Andrew Sitkov at gamedevmarket.net Find more music by Rafael Archangel at Bandcamp Find more stories by Nila at storyfeather.com     Episode Art Description: Digital image. Cartoon depictions of anthropomorphized unicellular organisms in a line. From left to right, three filaments of cyanobacteria, a Stentor, a paramecium with flagella who's wearing a fedora, a slime mold, and a dinoflagellate with glasses. The rectangular image is made square with top and bottom borders that extend the background texture. Watermark of "Storyfeather" along inner side of the Stentor.

Benny's Liquor, Fireworks & Gunpowder Emporium went up in flames last night. Motion-detector alarms caught the fire and automatically notified the police, who found the fire and called the local fire chief, but by the time they arrived it was too late. Now his insurer claims he violated his Protective Safeguards Endorsement by installing burglary alarms instead of actual fire alarms. Benny doesn't recall anything about this, but apparently it's some paper he signed when he bought the policy. Key Takeaways [ 00:37 ] - Benny's shop burned down, and his insurer denied the claim due to a protective safeguards endorsement violation. [ 01:05 ] - Benny had a motion detector burglar alarm instead of the required fire alarm and does not recall agreeing to the protective safeguards endorsement. [ 06:09 ] - Protective safeguards endorsements require the insured to maintain the specific safeguards named in the policy schedule as a condition of insurance. [ 06:59 ] - If the insured knows of any suspension or impairment in the safeguards, they must notify the insurer or risk losing coverage. [ 08:29 ] - If a safeguard is shut off due to breakage or leakage, repairs must be completed within 48 hours for notification to the insurer not to be necessary. [ 10:47 ] - Courts often follow the strict policy language; simply having a different type of alarm, even if it detected the fire, is not considered compliant. [ 12:04 ] - The protective safeguards endorsement is often found in commercial property or farm coverage, and courts tend to enforce strict compliance. [ 15:15 ] - Coverage can be denied even if the breach of the safeguard duty did not affect the outcome of the loss because compliance is a condition of the insurance. [ 18:11 ] - Beth provides a summary of the key takeaways. Your PLRB Resources Coverage Question: Fire Loss Involving Protective Safeguards Endorsement - https://www.plrb.org/documents/fire-loss-involving-protective-safeguards-endorsement/ Law Review: New Hamilton Liquor Store, Inc. v. Amguard Ins. Co. - https://www.plrb.org/documents/new-hamilton-liquor-store-inc-v-amguard-ins-co-2020/ 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).

Sam is a huge Bears fan. He sets up his brand new smoker in the backyard and put a perfectly seasoned pork shoulder on to cook all day -- just in time for the Sunday Night Bears v. Packers game.  The smoker was near the side of the house, but not directly next to it. After 8 hours, the shoulder was tender and ready to eat… but the insured's siding had melted. Sam seeks coverage for the replacement of the melted siding (and for the pork shoulder he dropped when he saw the damage).   Notable Timestamps [ 00:23 ] - Sonia sets out a tragic game day scenario. [ 01:16 ] - Fire is often defined by courts using dictionary definitions, such as Merriam-Webster's: "the phenomenon of combustion manifested in light and heat". [ 04:38 ] - Scorching analysis suggests black marks may indicate oxidation and a glow (which could be fire damage), while brown marks often indicate high heat damage only. [ 06:58 ] - For insurance purposes, losses must be fortuitous; Sam was trying to smoke meat, not melt the siding, so the damage was fortuitous from his perspective. [ 08:37 ] - Most states rely on "proximate cause", i.e. the dominant or efficient cause that initiates the events, when analyzing causation for claims. [ 09:23 ] - Friendly fire is contained in its usual place (like a stove), while hostile fire is unexpected or uncontrolled and not in its intended location. However, this analysis is not typically used by modern courts. [ 11:43 ] - Sonia provides a recap of the points above. Your PLRB Resources The Future of Insurance Podcast - https://future-of-insurance.com/podcast/ Coverage Question: Smoker Melts Nearby Siding - https://www.plrb.org/documents/named-peril-coverage-smoker-melts-nearby-siding-pcq-2025-02-24-slc-a/ Coverage Question: Christmas Lights Scorched Couch: Is Couch Covered? - https://www.plrb.org/documents/fire-peril-scorched-couch/ 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).

Curd Appeal sells the best-looking cheeses on the block, but over the long weekend their refrigerator broke down, and now their limburger isn't the only thing that smells. The owner argues they are covered under the BP 00 03, but the adjuster spots some holes in their argument. The owner hits back with a supplemental endorsement they purchased, hoping to find coverage any way they can.   Notable Timestamps [ 03:00 ] - The five-point process for property coverage analysis includes: covered property, direct physical loss, covered cause of loss, conditions, and additional coverages/extensions. [ 04:37 ] - Mechanical breakdown (like a refrigerator going out) is often an excluded cause of loss in a standard policy. [ 07:18 ] - Supplemental endorsements for food spoilage are designed to work with the base policy and can specify limits and change base policy language. [ 08:59 ] - This food spoilage coverage extension insures against direct physical loss or damage to food stock or food merchandise contained in a refrigeration unit. [ 10:47 ] - The endorsement defines a covered cause of loss to include mechanical breakdown and power outage (change in temperature/humidity). [ 12:31 ] - This food spoilage endorsement often explicitly deletes the mechanical breakdown exclusion from the base policy, but only for that specific coverage extension. [ 13:41 ] - The food spoilage extension may only apply if the loss is not covered by Equipment Breakdown Insurance (an optional policy coverage). [ 14:10 ] - The optional Equipment Breakdown Protection Coverage in the BP 00 03 policy covers direct loss or damage caused by mechanical breakdown or electrical failure of machinery. [ 15:33 ] - The Equipment Breakdown Protection Coverage might exclude leakage at a valve or seal, which is a distinction that could make the supplemental endorsement the only source of coverage. [ 18:31 ] - Brennan provides a recap of the points above. Your PLRB Resources Property Question of the Week: Food Spoilage under BP and CP Forms – No Off-Premises Power Outage - https://www.plrb.org/documents/food-spoilage-under-bp-and-cp-forms/ Property Question of the Week: Mechanical Breakdown of Freezer: Food Covered? - https://www.plrb.org/documents/mechanical-breakdown-of-freezer-food-covered/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Summary: A high-speed car chase in the city of New Kingspire. Can it lead to an exit from The Expanse? Of Special Note: On tonight's Onyx Vault, the Kaylana Miniature is here! Download Chapter 150: The Runner Download All Future Episodes & Bonus Episodes --HERE-- 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!

Popular movies sometimes feature leagues of superheroes who are ready to defend the Earth against catastrophe. In this episode, we're going to be discussing some real-life superheroes, as chronicled in the new book by our guest, Tom Ough. The book is entitled “The Anti-Catastrophe League: The Pioneers And Visionaries On A Quest To Save The World”. Some of these heroes are already reasonably well known, but others were new to David, and, he suspects, to many of the book's readers.Tom is a London-based journalist. Earlier in his career he worked in newspapers, mostly for the Telegraph, where he was a staff feature-writer and commissioning editor. He is currently a senior editor at UnHerd, where he commissions essays and occasionally writes them. Perhaps one reason why he writes so well is that he has a BA in English Language and Literature from Oxford University, where he was a Casberd scholar.Selected follow-ups:About Tom OughThe Anti-Catastrophe League - The book's webpageOn novel methods of pandemic preventionWhat is effective altruism? (EA)Sam Bankman-Fried - Wikipedia (also covers FTX)Open PhilanthropyConsciumHere Comes the Sun - book by Bill McKibbenThe 10 Best Beatles Songs (Based on Streams)Carrington Event - WikipediaMirror life - WikipediaFuture of Humanity Institute 2005-2024: final report - by Anders SandbergOxford FHI Global Catastrophic Risks - FHI Conference, 2008ForethoughtReview of Nick Bostrom's Deep Utopia - by CalumDeepMind and OpenAI claim gold in International Mathematical OlympiadWhat the Heck is Hubble Tension?The Decade Ahead - by Leopold AschenbrennerAI 2027AnglofuturismMusic: Spike Protein, by Koi Discovery, available under CC0 1.0 Public Domain DeclarationInspiring Tech Leaders - The Technology PodcastInterviews with Tech Leaders and insights on the latest emerging technology trends.Listen on: Apple Podcasts Spotify

"Simply the Vest" is a dry cleaning service with a basement full of supplies, tools, clothing, and… water. After a heavy rain, the owners discovered that their sump pump had failed, causing water to back up into the basement, resulting in damage to their property. Under their BP 00 03 form, coverage for this cause is firmly excluded. However, they paid for a supplemental endorsement with some interesting technicalities… Notable Timestamps [ 02:43 ] - When assessing coverage, always start with the underlying policy form before reviewing any endorsements, ensuring clarity on the initial coverage. [ 05:32 ] - Supplemental coverages given to an insured typically identify specific needs that they have in the transaction and provide clear limits for each supplemental coverage provided. [ 08:11 ] - Endorsements can provide additional coverage for water-related claims like backup and overflow or mold, which are generally types of losses that would otherwise be excluded. [ 11:18 ] - Determining coverage requires looking at the exact policy language, fitting it to the specific scenario, and matching facts to the policy language. [ 13:45 ] - Sump pump issues often involve power outages (necessitating battery backup) or mechanical breakdown, but each claim has to be assessed based on its individual merits. [ 15:23 ] - An endorsement providing additional water backup coverage may also modify or replace the existing water damage exclusion found in the underlying BP policy. [ 17:49 ] - If a loss isn't excluded under the underlying policy, the supplemental coverage-- which could be subject to a lower limit-- would not be needed. [ 16:18 ] - Brennan provides a brief conclusion. Your PLRB Resources Coverage Question: Sump Pump vs. Septic Pump - https://www.plrb.org/documents/sump-pump-vs-septic-pump-pcq-2024-09-24-dwf-b Property Question of the Week: Sewer Backup Coverage vs. Flood Exclusion - https://www.plrb.org/documents/sewer-backup-coverage-vs-flood-exclusion/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org. Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

WHAT'S UP EVERYBODY! This week on THE '90s Podcast, John is joined by Sarah Connolly as they sit down and talk about a game that started a mega franchise. 1996's classic horror survival game, Resident Evil.   Catch up with John on social media. Facebook (welshjrc1984) | Instagram (@welshjrc1984)   Special thanks to this week's cohost Sarah Connolly Facebook (sconnolly318) | Instagram (@sconnolly318)   For More information on The Because Maybe Network check out our website: becausemaybenetwork.com   Check out our Linktree for direct links to where you can find our podcasts, YouTube channel, and website! https://linktr.ee/becausemaybenetwork   For business enquiries: becausemaybepodcast@gmail.com   Music Hello Michael by Loyalty Freak Music – Free Music Archive Licensed under CC0 1.0 Universal (CC0 1.0) - Public Domain Dedication

When Jesus told the parable of the Pharisee and Tax Collector, there was a great deal packed into it. The Pharisee was certainly believing in his own righteousness, but what does the tax collector mean when he asks for mercy? When we ask for mercy, we aren't merely asking God to overlook our sins, we are asking for an atonement that will truly cover over our misdeeds and enable us to be in his presence forever.Image: The wub, CC0, via Wikimedia Commons.

We are experiencing some technical difficulties with today's episode, so instead I thought I would share two clips that were previously cut for time. In these clips, Dana Grodin and Alison McLaney, both of Gemcor and Digipraise, answer our burning questions about diamonds, lab-grown and natural. I'll re-insert their introduction before we hop into the clips, but the rest of the material has never appeared on this feed before. You might have caught it if you subscribe to our YouTube channel, so if you like these quick hits head over there for more.    Notable Timestamps [ 00:50 ] - Introducing Dana Grodin & Ali McLaney of Gemcor & Digipraise. [ 03:33 ] - Beginning of the clip "I Didn't Think a Diamond Could Chip!" Although diamond is the strongest material known to mankind, it has weak points and structural bonds, meaning hardness does not equate to avoidance of chips. [ 05:00 ] - The myth of a "flawless" diamond is common, but most diamonds have clarity characteristics (crystals/clouds) that act as weak points visible under magnification. [ 06:15 ] - Gemcor determines if an imperfection breaks the surface, constituting damage, and investigates if the damage is new or pre-existing, noting mounting condition. [ 08:53 ] - Beginning of the clip "What is a Lab-Grown Diamond?" Lab grown diamonds are chemically and physically identical to natural diamonds. LGDs have exploded in popularity, now representing 50% of engagement ring sales.  [ 09:45 ] - Unlike natural diamonds created over millions of years, LGDs are grown in a lab in about 30 days, resulting in them being thousands of dollars less expensive. [ 10:45 ] - Differentiation between natural and lab grown diamonds requires very high-quality, specialized equipment because standard diamond testers and visual inspection fail. [ 12:00 ] - Ethically, all lab grown diamonds should have a laser inscription (e.g., LG) on the girdle, but vendors sometimes omit this marking, creating significant disclosure risk. [ 16:18 ] - Brennan provides a brief conclusion. Your PLRB Resources Podcast Episode: "You Can't Salvage My Mother's Ring!" https://youtu.be/Ijph_AuQZq4 Podcast Episode: The Lab-Grown Mismatch: One Earring, One Surprise https://youtu.be/zp8UUIqQ9Q0 Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Summary: Love. Eternal. So strong. And yet, is it also an irrefutable truth that all things end? Of Special Note: On tonight's Creature Legends, the Fogarr. Download Chapter 149: Love Lets Go Download All Future Episodes & Bonus Episodes --HERE-- 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!

WHAT'S UP EVERYBODY! This week on THE '90s Podcast, John is joined by Sarah Connolly as they sit down and talk about a cult classic movie, marred with tragedy. 1994's The Crow!   Catch up with John on social media. Facebook (welshjrc1984) | Instagram (@welshjrc1984)   Special thanks to this week's cohost Sarah Connolly Facebook (sconnolly318) | Instagram (@sconnolly318)   For More information on The Because Maybe Network check out our website: becausemaybenetwork.com   Check out our Linktree for direct links to where you can find our podcasts, YouTube channel, and website! https://linktr.ee/becausemaybenetwork   For business enquiries: becausemaybepodcast@gmail.com   Music Hello Michael by Loyalty Freak Music – Free Music Archive Licensed under CC0 1.0 Universal (CC0 1.0) - Public Domain Dedication

Featured on Bonsdorffia: The Beat - by Mandy Monro Volare - by Steven Fritz - narrated by David Salvolaine Forecast - by Zary Fekete The Day Before the World Began - by Julie Wornan - narrated by Jeff Alphin Our Audio License AntipodeanSF Radio Show by Ion Newcombe is licensed under CC BY-NC-ND 4.0 Featured Music Pourpose by Andrew R Codeman is licensed under a Creative Commons Attribution License. La luna nello specchio by Parallel Dream is licensed under a Attribution-NonCommercial-ShareAlike 3.0 International License. Future-Forward by Ketsa is licensed under a Attribution-NonCommercial-NoDerivatives 4.0 International License. Creation is like that by Monplaisir 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 is a holiday week for the podcast, so we're replaying a classic episode. This episode has been lightly edited to remain accurate to the upcoming 2025 Large Loss Conference taking place at the Gaylord Texan Resort & Convention Center in Grapevine, TX on Wednesday November 12 through Friday November 14. We'll be back next week with our regularly scheduled episode.   Today our adjuster is leveling up in their career and handling their first large loss property claim. The adjuster quickly runs into trouble-- where can a claims professional go for help? This November 12 - 14 in Grapvine, TX, join PLRB for the 2025 Large Loss Conference.   Notable Timestamps [ 00:39 ] - Alissha asks HERSELF "what's the scenario?" This scenario features late notice, Category 3 water, and additional damage during a claim. [ 03:24 ] - Late notice issues? Attend the educational session "It's Too Late, Baby, It's Too Late: Navigating a Late Reported Large Loss" with Andy Rock (Rock Law Group). [ 04:34 ] - For water mitigation issues, check out "Interpreting the Microbiology of Storm Damage" with Jeremy Beagle (SDII Global). [ 05:05 ] - For other large storm issues, see "A Coastal Catastrophe: Navigating a Large Hurricane Loss in the Northeast" with Anthony Antonellis and Brendan Labbe (both of Sloane and Walsh LLP). [ 05:45 ] - The Large Loss Conference is intended for claims professionals involved in these losses or hoping to get experience with larger claims, as well as the experts, attorneys, and accountants who provide insights on these claims. [ 06:43 ] - The Large Loss Conference is differently structured than PLRB's other conferences. The educational sessions are 90 minutes long, often more focused on case studies, and involve more interactivity. [ 07:56 ] - Andrew features the educational session "Back to the Future: How Adjusters Can Use Forensic Meteorology in Hail and Wind Claims" with Howard Altschule (Forensic Weather Consultants). [ 08:48 ] - The Large Loss Conference features many casualty and personal lines sessions as well, such as "We Didn't Start the Fire: Was it Smoking or Smokin'" with David Heemann (Mutual of Enumclaw), Pete Fowler (Fowler Construction Consultants), and Jennifer Kalvestran (Anderson, McPharlin & Conners LLP). [ 11:08 ] - The conference's general session will feature "Whoever Said Insurance Was Boring? 30 Years of Fascinating Claims Stories" with Steve Badger (Zelle LLP). [ 11:56 ] - Most educational sessions are approved in FL, TX, DE, NC, and OK Continuing Education credit, and even some courses approved for GA CE credit! [ 12:56 ] - To register, visit PLRB.org and click on the banner on the main page OR the Events tab. Registration is free for members. [ 13:50 ] - Maria McNally will be available to discuss membership or website questions. [ 14:45 ] - Alissha provides a recap of the scenario and the points above. Your PLRB Resources PLRB's Events tab: https://www.plrb.org/plrb-events/ Direct Link to PLRB's Large Loss page: https://www.plrb.org/event/plrb-2025-large-loss-conference/ 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).

Craig Kaplan has been thinking about superintelligence longer than most. He bought the URL superintelligence.com back in 2006, and many years before that, in the late 1980s, he co-authored a series of papers with one of the founding fathers of AI, Herbert Simon.Craig started his career as a scientist with IBM, and later founded and ran a venture-backed company called PredictWallStreet that brought the wisdom of the crowd to Wall Street, and improved the performance of leading hedge funds. He sold that company in 2020, and now spends his time working out how to make the first superintelligence safe. As he puts it, he wants to reduce P(Doom) and increase P(Zoom).Selected follow-ups:iQ CompanyHerbert A. Simon - WikipediaAmara's Law and Its Place in the Future of Tech - Pohan LinPredict Wall StreetThe Society of Mind - book by Marvin MinskyAI 'godfather' Geoffrey Hinton warns of dangers as he quits Google - BBC NewsStatement on AI Risk - Center for AI SafetyI've Spent My Life Measuring Risk. AI Rings Every One of My Alarm Bells - Paul Tudor JonesSecrets of Software Quality: 40 Innovations from IBM - book by Craig KaplanLondon Futurists Podcast episode featuring David BrinReason in human affairs - book by Herbert SimonUS and China will intervene to halt ‘suicide race' of AGI – Max TegmarkIf Anybody Builds It, Everyone Dies - book by Eliezer Yudkowsky and Nate SoaresAGI-25 - conference in ReykjavikThe First Global Brain Workshop - Brussels 2001Center for Integrated CognitionPaul S. RosenbloomTatiana Shavrina, MetaHenry Minsky launches AI startup inspired by father's MIT researchMusic: Spike Protein, by Koi Discovery, available under CC0 1.0 Public Domain Declaration

An evening wandering the streets of Madurai with Jeevitha where we discussed talking politics with Indian men, the joy of spontaneous trips with friends, and living in one of the world's oldest cities. Oh, and vadas, jasmine/mallipoo flowers, and the great goddess. Our thanks to Jeevitha.  Music credit: Pizzicato String - bright, fun, boppy by jsarrcreative / CC0 1.0 Universal This episode was written and hosted by Samyuktha Varma. Yashwanth Vinay is our Sound producer. Menaka Raman is our Senior Producer. City of Women is executive produced, hosted, and written by Radhika Viswanathan and Samyuktha Varma and is a Vaaka Media production.  

Today's insured looked out the window and saw that a windstorm with strong 50 MPH sustained winds had kicked up soil from their neighbor's farm fields. The soil accumulated in layers over their home, garage, pool, hot tub, and all their beautiful landscaping. The garage door was open, so their home carpentry workshop and storage was covered in dirt. Even their koi pond was buried in the soil. None of the buildings were structurally compromised, but the insured will need a professional cleaning.   Notable Timestamps [ 08:03 ] - Direct physical loss can include the cost of exceptional cleaning effort for a dwelling or other structure, even if no permanent damage occurred. [ 10:20 ] - Water in a pool or pond is likely not covered property under a standard homeowners policy due to a "property not covered" provision for water. [ 11:23 ] - The cost to drain and refill a pool may be covered if necessary to repair damage to the structure itself. [ 13:46 ] - Personal property inside a building is only covered for windstorm damage if the wind first created an opening (like to the roof or siding) through which dirt or dust entered. [ 15:02 ] - Personal property located outside a building, such as patio furniture, would be covered for damage from wind or a dust storm. [ 16:35 ] - Animals, including koi fish, are generally excluded from personal property coverage in a standard policy, often requiring a special endorsement. [ 19:14 ] - Damage to landscaping, trees, shrubs, and plants is an additional coverage, and windstorm is typically not one of the few named perils that apply. [ 20:47 ] - Beth provides a recap of the points above. Your PLRB Resources TYCK: Wind Blew Dirt On My Koi Fish - https://members.plrb.org/education/courses/wind-blew-dirt-on-my-koi-fish Coverage Question: Overflow from a Sump: Does It Apply to Water from a Drainage Line? (Another Koi Fish Hypothetical) - https://www.plrb.org/documents/overflow-from-a-sump-does-it-apply-to-water-from-a-drainage-line-pcq-2017-06-07-jch-a 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).

In this episode of the Teach Different podcast, Steve Fouts is joined by Jarvis Funches. Together they explore the profound quote by Mahatma Gandhi: “The measure of a society is how it treats its weakest members.” They unpack the claim of the quote, highlighting the role of empathy in uplifting and empowering others. The dialogue also touches on the division in society and the need for unity amidst differing viewpoints. Through their discussion, they emphasize the significance of understanding and connecting with one another, regardless of political or social differences.Episode Chapters00:00 - Introduction00:10 - Introducing the Teach Different Method02:12 - Exploring Gandhi's Quote on Society05:51 - Defining Weakness and Strength09:58 - Different Perspectives on Empowerment17:01 - Unity vs. Division in Society22:33 - The Role of Empathy in Understanding27:55 - Looking Ahead: A Call for Unity28:27 - Teach Different OutroImage Source: Anefo, CC0, via Wikimedia Commons https://commons.wikimedia.org/wiki/File:Mahatma_Gandhi,_Bestanddeelnr_916-6994.jpg 

Summary: The Tribe discovers their lost friends and loves. But are they dead or are they alive? Of Special Note: On tonight's Onyx Vault, the Kaylana Miniature is underway. Download Chapter 148: Uncommon Mourning Download All Future Episodes & Bonus Episodes --HERE-- The following music for The Iron Realm Podcast was contributed by Kevin MacLeod: The Dark World - One of Them The Dark World - Ossuary 4 - Animate The Dark World - Ossuary 1 - A Beginning I edited tracks for volume, length, pitch, and mood. Listen to Kevin MacLeod's tracks in full at: incompetech.com Kevin MacLeod's tracks are included in accordance with Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/ My thanks as well for all audio featured under the cc0 license on tonight's podcast. The Iron Realm is intended for adult audiences. Listener Discretion is advised. The Iron Realm album art/website art was created from a public domain image/CC0 image from PixaBay. Audio on the podcast, unless otherwise noted, has either been created by the author or has been used in accordance with the Creative Commons Zero license. A new Iron Realm Podcast is released periodically and each is a labor of my love for Solo RPG Gaming. Enjoy and support the show. And fare ye well, Traveler of The Maze, in the light and in the dark. Subscribe to The Iron Realm Podcast!

Beatriz is a city dweller who never learned how to drive a car. However, recently she got tired of the train and decided to get an E-bike. She bought an old E-bike off a friend, purchased a battery from AftermarketBatteries.biz, and soon was zipping through the streets. Her friends even got her a "bumper sticker" that reads "Beatriz's Car" for the side. But one night, it caught fire while charging outside her apartment door. Is it a covered motor vehicle under the standard ISO HO-3 form?   Notable Timestamps [ 00:00 ] - E-bikes are becoming increasingly common in cities, raising new insurance questions, particularly around how coverage applies when losses occur. [ 02:23 ] - E-bike Trivia: Rainy Days & Freezing Batteries [ 04:12 ] - Coverage disputes often center on whether an e-bike qualifies as a motor vehicle under the HO3 form, with fire and theft being frequent causes of loss. [ 06:34 ] - E-bikes are classified into three classes based on speed and power, which affect where they can be ridden and complicate insurance coverage determinations. [ 08:24 ] - The 2022 HO3 form clarified that e-bikes with throttles are motor vehicles, unlike the 2011 edition, which did not define related terms. [ 11:42 ] - Pedal-assist-only e-bikes are generally not considered self-propelled, but throttle-equipped bikes risk being excluded as motor vehicles under certain policies. [ 13:22 ] - Policy language can lag behind technology, creating a gap where there is uncertainty in coverage. [ 16:14 ] - Expensive e-bikes may require endorsements for coverage, since they can fall into property-not-covered provisions under homeowners insurance. [ 17:05 ] - Urban fires linked to aftermarket batteries prompted new laws, such as requiring UL Certification in New York, to improve e-bike safety. [ 19:17 ] - Sonia provides a recap of the points above. Your PLRB Resources Coverage Question: Is an E-Bike Considered a Motor Vehicle in Minnesota? https://www.plrb.org/documents/is-an-e-bike-a-motor-vehicle-in-minnesota-pcq-2024-11-11-jch-a FAQ: E-Bikes and First Party Issues https://www.plrb.org/documents/e-bikes-and-first-party-issues/?search=ebike Recorded Webinar: Transportation Network Companies: Driving into the Future Webinar https://members.plrb.org/education/courses/transportation-network-companies-driving-into-the-future-webinar 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 few months ago, today's insured decided to jump into the latest trend for a lot of suburban dwellers, and he got some chickens! He built a chicken coop and a caged in area for the chickens to be safe from predators. The coop itself looks like a very large shed with a fenced-in area extending from the coop. The insured calls up their agent to ask if there's coverage for the coop under their HO 00 03 03 22 policy covering their home and an attached garage.   Notable Timestamps [00:00] - A homeowner built a large chicken coop and asked their insurer whether it was covered under their 2022 homeowners policy. [02:00] - The hosts dive into trivia, noting that chickens are genetically the closest living relatives to the T-Rex. [05:00] - Coverage depends on construction: a coop attached to the house may fall under Coverage A, but detached coops lean toward Coverage B or C. [07:30] - One key test is portability: if the coop can move with the owner, it likely counts as personal property under Coverage C. [10:00] - Courts consider a variety of factors, e.g. how the coop is affixed, its adaptation for use, and the owner's intent to keep or move it. [12:30] - Some coops are deliberately not anchored to protect against flooding or predators, adding complexity to coverage classification. [14:25] - Similar issues arise with swing sets, pools, and other backyard structures—each must be evaluated individually. [15:15] - Selling eggs could cross the line into business use, potentially excluding coverage under standard homeowner policies. [18:00] - Coverage type affects settlement: Coverage B buildings may qualify for replacement cost, while Coverage C property is typically ACV. [20:00] - Beth provides a recap of the points above. Your PLRB Resources Coverage Question: Other Structures Used for Business – Raising Chickens https://www.plrb.org/documents/other-structures-used-for-business-raising-chickens/ Other Structures: Can Some Items Be Treated As Either Coverage A Or Coverage B Property? https://www.plrb.org/documents/other-structures-can-some-items-be-treated-as-either-coverage-a-or-coverage-b-property-pcq-2022-01-17-jem-a/?search=other%20structures Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Read Online“Take care, then, how you hear. To anyone who has, more will be given, and from the one who has not, even what he seems to have will be taken away.” Luke 8:18Do you have much? Or little? According to Jesus' words, if you have much, then you will receive much more; but if you have little, then you will lose even what you have. Does this seem fair?Of course, our Lord is not speaking in worldly terms. He's not saying that if you have much money, then you will gain more, or if you are poor, then you will become poorer. Instead, Jesus is speaking about the grace that comes from understanding His holy Word. Notice that the passage above begins by saying, “Take care, then, how you hear.”To “hear” the Word of God implies that you truly receive what Jesus teaches. Hearing is not just hearing the words spoken with your ears. One early Church Father, Saint Bede, explains that truly hearing the Word of God with our minds leads us to love that Word, and loving the Word leads to understanding. This is not accomplished by an intellectual exercise alone, as if our natural gifts are the primary means by which we comprehend all that Jesus teaches. Rather, it comes through spiritual insight gained by the supernatural gift of the Spirit Who teaches us all things.If you want “more” understanding of the mysteries of God, then commit yourself to engaging the holy Scriptures with your mind. Read the Scriptures, ponder them and pray with them. It's easy to forget that the Word of God is a Living Word. This means that when we prayerfully immerse ourselves in the Scriptures, we are prayerfully encountering God Himself. God is alive in His holy Word. We meet Him, personally, and this happens only by a special grace that we must be open to receive.The beautiful aspect of this teaching of Jesus is that the more we understand His Word by this grace, the more we will immerse ourselves in it, and it will continue to grow within us. If, however, we devote little time to engaging the Word of God in prayer, we will begin to “forget,” so to speak, the spiritual depths of the wisdom of God. We will lose the little understanding we have and when this happens, we will be prone to engaging and accepting the many confusions and deceptions alive in our world.Reflect, today, upon your practice of prayerfully meditating upon the Scriptures. If this is not your current practice, resolve to make it so. Perhaps start with one of the Gospels and commit yourself to prayerfully reading it little by little every day. The goal is not to get through the books of the Bible. The goal is to enter into each book. Every chapter and every line provides us with a depth of spiritual insight and understanding just waiting to be given and received. Commit yourself to this holy practice, and you will be amazed at the spiritual riches our Lord bestows upon you.Living Word of God, my Lord and my King, I thank You for the way in which You come to me and all Your children through Your written Word. Fill me with a love for that Word so that I will daily engage my mind in the deep truths revealed within it. May I meet You, dear Lord, and grow in an understanding of Who You are and what You wish to reveal to me. Jesus, I trust in You.Didgeman, CC0, via Wikimedia CommonsSource of content: catholic-daily-reflections.comCopyright © 2025 My Catholic Life! Inc. All rights reserved. Used with permission via RSS feed.

Many people expect improvements in technology over the next few years, but fewer people are optimistic about improvements in the economy. Especially in Europe, there's a narrative that productivity has stalled, that the welfare state is over-stretched, and that the regions of the world where innovation will be rewarded are the US and China – although there are lots of disagreements about which of these two countries will gain the upper hand.To discuss these topics, our guest in this episode is Carl Benedikt Frey, the Dieter Schwarz Associate Professor of AI & Work at the Oxford Internet Institute. Carl is also a Fellow at Mansfield College, University of Oxford, and is Director of the Future of Work Programme and Oxford Martin Citi Fellow at the Oxford Martin School.Carl's new book has the ominous title, “How Progress Ends”. The subtitle is “Technology, Innovation, and the Fate of Nations”. A central premise of the book is that our ability to think clearly about the possibilities for progress and stagnation today is enhanced by looking backward at the rise and fall of nations around the globe over the past thousand years. The book contains fascinating analyses of how countries at various times made significant progress, and at other times stagnated. The book also considers what we might deduce about the possible futures of different economies worldwide.Selected follow-ups:Professor Carl-Benedikt Frey - Oxford Martin SchoolHow Progress Ends: Technology, Innovation, and the Fate of Nations - Princeton University PressStop Acting Like This Is Normal - Ezra Klein ("Stop Funding Trump's Takeover")OpenAI o3 Breakthrough High Score on ARC-AGI-PubA Human Amateur Beat a Top Go-Playing AI Using a Simple Trick - ViceThe future of employment: How susceptible are jobs to computerisation? - Carl Benedikt Frey and Michael A. OsborneEurope's Choice: Policies for Growth and Resilience - Alfred Kammer, IMFMIT Radiation Laboratory ("Rad Lab")Music: Spike Protein, by Koi Discovery, available under CC0 1.0 Public Domain Declaration

Mia is a mid-level claims specialist with about five years' experience in the job. One afternoon, she gets a call from a customer named James. He's frustrated—bordering on furious. He's been waiting for an update about his property claim, and from his perspective, no one communicated anything. He feels ignored. He's escalating. Mia can tell this is going to be a difficult conversation. But instead of reacting defensively—or shutting down—she mentally runs through the CLEAR model.   Notable Timestamps [ 00:30 ] - The "CLEAR Method" module, developed with Equis Consulting, helps insurance professionals handle difficult circumstances and challenging customers effectively. [ 01:25 ] - The CLEAR Model is applied when an adjuster, Mia, handles a reassigned property claim from James, who is furious due to a lack of updates. [ 04:40 ] - "C" is for Connect; acknowledge the customer's emotions and frustration early to build trust and prevent escalation into a confrontational "fight or flight" situation. [ 07:05 ] - "L" is for Listen; allow frustrated customers to vent without interruption, actively hearing their concerns to gather clues and make them feel heard, without becoming defensive. [ 09:55 ] - "E" stands for Engage; avoid industry jargon and maintain a calm tone. Ask angry customers to list their top three priorities to shift them from emotional to logical thinking. [ 11:25 ] - "A" is for Acknowledge; recognize the customer's frustration without accepting blame or fault. This helps build trust and moves the conversation forward positively. [ 13:20 ] - "R" means Resolve; define next steps and set priorities to move the claim towards resolution. Under-promise and over-deliver on commitments to build trust and ensure follow-through. [ 16:35 ] - Mike provides a recap of the points above. Your PLRB Resources New Course: Handling Challenging People and Difficult Circumstances - https://members.plrb.org/education/courses/handling-challenging-people-difficult-circumstances-course Guest Site: Equis Consulting & their podcast “Leadership is the Conversation” - https://equisconsulting.com/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Read OnlineTaking the five loaves and the two fish, and looking up to heaven, he said the blessing, broke the loaves, and gave them to the disciples, who in turn gave them to the crowds. They all ate and were satisfied, and they picked up the fragments left over—twelve wicker baskets full. Matthew 14:19–20An important aspect of this miracle that is easy to miss is that Jesus multiplied the loaves and fishes through His disciples' instrumentality. He did this by inviting them to assist in the distribution of the loaves and in the gathering of the fragments left over. This reveals that God often uses us as mediators of His superabundant graces given to others. Though God could pour forth His mercy directly, most often He does so through others.As you ponder this miracle, try to see yourself as one of the disciples who was invited to distribute the bread to the people. If you were there and were hungry and then were given bread, you would be tempted to eat the bread yourself before giving any away. But Jesus gave the bread to His hungry disciples with the instruction to first give it to others.Sometimes, when God calls us to give His mercy to others, we become selfish. It's easy to think that we must first take care of ourselves and our own needs. We erroneously believe that we can only offer mercy to others after our needs are met. Imagine, for example, if upon receiving the bread from Jesus the disciples would have decided that they should eat of it first. Then, if there was anything extra, they could give it to others. Had they done this, the superabundance of the multiplication of the loaves would not have happened. In the end, the disciples themselves received a superabundance of food—precisely because they first gave away what they had received.Spiritually speaking, the same is true with us. When we receive spiritual nourishment from our Lord, our first thought must be to give it away. We must first see all that we receive from God as an opportunity to bestow those blessings upon others. This is the nature of grace. For example, if we are given a sense of peace or joy within our hearts, we must realize that this peace or joy we receive is a gift that must be immediately offered to others. If we are given a spiritual insight into the Scriptures, this is given to us first and foremost to share with others. Every gift we receive from God must be understood as a gift given to us so that we can immediately share it with others. The good news is that when we seek to give away that which we have received, more is given to us and, in the end, we will be far richer.Reflect, today, upon the action of the disciples receiving this food from our Lord and immediately giving it away. See yourself in this miracle, and see the bread as a symbol of every grace you receive from God. What have you received that God wants you to distribute to others? Are there graces you have received that you selfishly try to hold onto? The nature of grace is that it is given to give it to others. Seek to do this with every spiritual gift you receive, and you will find that the graces multiply to the point that you receive more than you could ever imagine.Most generous Lord, You pour forth Your grace and mercy in superabundance. As I receive all that You bestow, please fill my heart with generosity so that I will never hesitate to offer Your mercy to others. Please use me as Your instrument, dear Lord, so that, through me, You may abundantly feed others. Jesus, I trust in You.Image: Jacopo Tintoretto, CC0, via Wikimedia CommonsSource of content: catholic-daily-reflections.comCopyright © 2025 My Catholic Life! Inc. All rights reserved. Used with permission via RSS feed.