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This is a replay of an episode originally aired on Apr 22, 2025. An adjuster working on a complex property damage claim closes the file, having paid out on the claim. Then they receive a notice that the insured is demanding appraisal. They call up the insured, only to find out that the insured has no idea what's going on. About Our Guest Steven J. Badger, Partner, Zelle LLP sbadger@zellelaw.com https://www.linkedin.com/in/steven-badger-467b0322/ Notable Timestamps [ 00:20 ] - The insured signed a form on a tabet, presented to them by the contractor, without realizing it authorized a later appraisal demand. [ 01:13 ] - Steve shares an anecdote about his appraisal training sessions & debates. [ 02:39 ] - Steve's review of the trends shows that contractor-driven appraisal demands are more common now than they used to be. [ 03:50 ] - Assignment of Benefits would raise other issues and would not be permitted in all states. [ 05:15 ] - The adjuster can begin addressing an appraisal demand by contacting the insured to ask if they are aware of the demand, if the work is complete in their opinion, and the amount they paid. [ 07:22 ] - In the states where Steve practices, the contractor performing the work (and the public adjuster on the claim) cannot also act as the appraiser. [ 08:45 ] - Steve leverages his presence on LinkedIn to call out illegal behavior. [ 10:11 ] - Zelle LLP has drafted an alternative appraisal clause addressing abuses in the appraisal process. Removing the appraisal clause entirely would simply increase litigation. [ 12:37 ] - The goal of appraisal is prompt amicable resolution of disputed claims. [ 13:15 ] - Steve provides a recap of the scenario and the points above. Your PLRB Resources Steve will be presenting at the Texas Hail Claims Conference on February 12-13, 2026 in Dallas. Recorded Webinar: Combatting Common Abuses and Schemes in CAT Claims - https://www.plrb.org/courses/combatting-common-abuses-and-schemes-in-cat-claims/ CE Course: Property Insurance Appraisal - https://www.plrb.org/courses/property-insurance-appraisal/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

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

Summary: Two Mazari Girls are held captive by a grey-lobed abberation. Of Special Note: On tonight's Creature Legends, learn what the Tribe does not know about their hidden foe, the Sillian. Download Chapter 145: Greymalkin Download All Future Episodes & Bonus Episodes --HERE-- The following recording for The Iron Realm Podcast by Katie Otten was showcased on tonight's episode: Custom Audio created for The Iron Realm by Katie Otten I edited tracks for volume, length, pitch, and mood. Katie's aforementioned audio is included with permission. Find Katie Otten online on: katieotten.com katieotten13 on Twitter, Facebook, and Instagram A thank you for the following recording by Thimblerig: Custom Audio created for The Iron Realm I edited tracks for volume, length, pitch, and mood. Find Thimblerig online: Click here to visit Thimblerig's FreeSound page Thimblerig's aforementioned audio is included on The Iron Realm with her permission. The following music for The Iron Realm Podcast was contributed to The Iron Realm by Max at Coltrin Compositions: Tensions Rising Illeria (Night) I edited tracks for volume, length, pitch, and mood. Find Coltrin Compositions online on: Max's Patreon Max's YouTube Max's aforementioned audio is included with permission. VIEW ALSO the Video Edition of Bonus Cast 66 which showcases the João Luiz miniatures on YouTube: Iron Realm Miniatures by DailyHeroForge My thanks as well for all audio featured under the cc0 license on tonight's podcast. The Iron Realm is intended for adult audiences. Listener Discretion is advised. The Iron Realm album art/website art was created from a public domain image/CC0 image from PixaBay. Audio on the podcast, unless otherwise noted, has either been created by the author or has been used in accordance with the Creative Commons Zero license. A new Iron Realm Podcast is released periodically and each is a labor of my love for Solo RPG Gaming. Enjoy and support the show. And fare ye well, Traveler of The Maze, in the light and in the dark. Subscribe to The Iron Realm Podcast!

This is a replay of an episode originally aired on Apr 15, 2025. A Texas adjuster gets an assignment for a simple hail damage claim. He anticipates having to argue with the roofing contractor, debate whether overhead and profit is owed, deal with the supplementing company, receive an appraisal demand, and finally face a lawsuit.   About Our Guest Steven J. Badger, Partner, Zelle LLP sbadger@zellelaw.com https://www.linkedin.com/in/steven-badger-467b0322/   Notable Timestamps [ 00:20 ] - Because of his years of experience, he knows that the 30 square comp shingle roof should cost about $20,000 to replace. (Amount provided is for reference and example purposes only.) [ 01:10 ] - For 34 years, Steve Badger has represented mostly the commercial property insurance industry, and for the past decade has focused on catastrophe, hail, and wind claims. [ 02:00 ] - Many policies allow the insurance company to replace the roof themselves through preferred contractors. [ 04:15 ] - Having an "preferred contract network" or "managed repair" endorsement can reduce ambiguity as compared to the base policy. [ 05:50 ] - Such endorsements could be optional or mandatory.  [ 07:00 ] - Steve argues that these endorsements can be a win/win/win for the insurer, insured, and contractor. [ 08:20 ] - Steve explores the potential benefits of the endorsement, such as reduced deductibles. [ 09:15 ] - Invoking "our option" means that if-- for example-- the selected contractor floods the house, the insurer could be responsible. However, an endorsement in this style could allow the insured to choose to employ the network. Further, contractors in the network could assume the risk. [ 11:15 ] - Steve discusses industry interest in preventative solutions. [ 13:00 ] - Steve contrasts the contractor who put on the roof asking for a supplement to a separate company focused on supplementation, and shifts focus to the insured's needs. [ 16:10 ] - Steve provides a recap of the scenario and the points above. Your PLRB Resources Steve will be presenting at the Texas Hail Claims Conference on February 12-13, 2026 in Dallas. Recorded Webinar: Combatting Common Abuses and Schemes in CAT Claims - https://www.plrb.org/courses/combatting-common-abuses-and-schemes-in-cat-claims/ CE Course: Roofing Fraud: Don't Get Nailed - https://www.plrb.org/courses/roofing-fraud-dont-get-nailed/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

The insured's kitchen sink wasn't draining well. A plumber scoped the line and found tree roots blocking it. The only fix is to dig up and replace the pipe. The adjuster checked the HO3 (2011) exclusions but didn't find one specifically for tree roots. Do others apply? Notable Timestamps [ 00:45 ] – The adjuster checks the ISO HO3 (2011) policy but finds no explicit exclusion for damage caused by tree roots. [ 04:44 ] – Tree root damage exclusions can exist in some policies, but are rare. If clearly written, they're usually enforceable. [ 05:30 ] – Lacking that, adjusters must look at general exclusions. The team explores all possibilities, including wear and tear, inherent vice, and non-fortuitous loss. [ 06:14 ] – Does wear and tear apply? Tree root intrusion may be interpreted as gradual, expected deterioration, not sudden damage. [ 07:14 ] – "Insurance covers risks, not costs." Damage expected to happen over time (like root growth) may fall outside coverage. [ 10:12 ] – Earth movement was suggested as an exclusion. It's debatable whether tree roots pushing soil could qualify as "earth movement." [ 12:08 ] – Inherent vice is another possible exclusion, if pipe failure resulted from defective materials rather than external damage. [ 13:03 ] – Faulty maintenance or neglect may apply if the homeowner ignored known tree root issues or failed to maintain the system. [ 14:01 ] – If pipe damage is covered, costs to dig up the lawn may also be covered as part of the repair. [ 15:00 ] – But if the loss is excluded, tear-out costs likely aren't covered unless tied to investigation or specifically included. [ 16:04 ] – The bottom line: coverage depends on facts, foreseeability, and exclusions. Without a tree root exclusion, outcomes are uncertain. Your PLRB Resources FAQ: Tree Root Losses - https://www.plrb.org/documents/tree-root-losses/ Coverage Question: Tree Root Damage: Fortuitous or Non-Fortuitous? - https://www.plrb.org/documents/tree-root-damage-fortuitous-or-non-fortuitous-pcq-2022-01-21-dwf-b/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

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

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

Join us as we celebrate the publication of Grit and Gravity, volume 11 of the Grace and Gravity series, a series dedicated to women writers in the DC area.  Christina Tudor and Cynthia Via are two of the excellent writers in the series. (and are both alums of the DC Public Library writers workshops). We chat briefly with Melissa Scholes Young, the editor of the series. As part of a new spot on writers and their jobs and the business of writing, we talk to OF Cieri.     Credits Dream Pop by HoliznaCC0 is licensed under a CC0 1.0 Universal License.https://freemusicarchive.org/music/holiznacc0/only-in-the-milky-way-part-3/dream-pop/Dark Ambient Music (Death And Forever) byTheBoseDeity is licensed under the Attribution NonCommercial 3.0 License.https://freesound.org/people/TheBoseDeity/sounds/395691/Java Pop by Spires That in the Sunset Rise is licensed under a Attribution-Noncommercial-Share Alike 3.0 United States License.https://freemusicarchive.org/music/Spires_That_in_the_Sunset_Rise/Curse_the_Traced_Bird/Java_Pop/Washington, DC by The Nighttime Adventure Society is licensed under a Attribution-NonCommercial-ShareAlike 3.0 International License.https://freemusicarchive.org/music/The_Nighttime_Adventure_Society/Chapter_One_The_First_Chapter/The_Nighttime_Adventure_Society_-_Chapter_One-_The_First_Chapter_-_01_Washington_DC/ Inside the Crystal Cave by Kate Kody is licensed under a Attribution 4.0 International License.https://freemusicarchive.org/music/kate-kody/single/inside-the-crystal-cave/$x4 (MicroSong) by sthm is licensed under a CC0 1.0 Universal License.https://freemusicarchive.org/music/microSong_Challenge/2015021275957958/x4_MicroSong/kalas by Uncle Milk is licensed under a CC0 1.0 Universal License.https://freemusicarchive.org/music/microSong_Challenge/2015021275957958/kalas_1886/Function! by junior85 is licensed under a CC0 1.0 Universal License.https://freemusicarchive.org/music/microSong_Challenge/2015021275957958/junior85_-_07_-_Function/ Re-Function! by junior85 is licensed under a CC0 1.0 Universal License.https://freemusicarchive.org/music/microSong_Challenge/2015021275957958/junior85_-_08_-_Re-Function/Tipping Point by Ellennerv is licensed under a CC0 1.0 Universal License.https://freemusicarchive.org/music/microSong_Challenge/2015021275957958/Tipping_Point/Pasty Cline “I'm Gonna Walk Some Dog” is in the public domain and is an official record of the United States Army. Armed Forces Radio Service.  Arkansas Traveler by ecfike us licenssed under a CC0 licensehttps://freesound.org/people/ecfike/sounds/135127/All audio comments are consented to by the The Labs Consent and Release form. 

A wealthy couple is murdered after a glamorous party—jewelry stolen, town abuzz. Their estate files an HO3 claim for the stolen jewelry and loss in home value due to the stigma. But does the policy cover reputational "diminution in value"?   Notable Timestamps [ 00:37 ] - The scenario involves a wealthy couple poisoned in their mansion, with jewelry stolen and a claim submitted under their HO3 policy ISO 2011 edition. [ 01:39 ] - Trivia Time! Who are the six main characters of the board game Clue? [ 03:40 ] - Diminution in value refers to a property's market value being less than before a loss, even after full physical repair, due to stigma. [ 04:35 ] - The common argument against covering diminution in value is that policies typically cover physical loss and physical repair, not consequential or economic losses. [ 06:16 ] - First-party auto and property policies share similar loss settlement language. [ 07:47 ] - In Royal Capital Dev., LLC v. Maryland Cas. Co., No. S12Q0209, 2012 WL 1909842, — S.E.2d — (Ga. 5/29/12) [reviewed at PLRB, Prop. Ins. L. Rev. 8462 (2012)], the court allowed for diminution in value in a first-party property claim, drawing an analogy to auto claims. [ 08:50 ] - If there were physical traces like blood or bullet holes from the murders, it could potentially establish a physical loss, strengthening an argument for diminution in value, even if the cleanup cost itself is minimal. [ 10:28 ] - Real estate experts or appraisers could testify by comparing the home's value without the incident to similar properties affected by negative events. [ 13:04 ] - It's crucial to check your jurisdiction; while Georgia allows it, many states disallow it, and others have no specific case law on the matter. [ 14:00 ] - Tim provides a recap of the points above. Your PLRB Resources FAQ: Diminution in Value in First Party Property Claims - https://www.plrb.org/documents/diminution-in-value-in-first-party-property-claims/ Coverage Question: Pet Dog Attacked Owner; Blood on Carpet - https://www.plrb.org/documents/pet-dog-attacked-owner-blood-on-carpet-pcq-2023-10-27-twh-b/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

John, a self-employed trucker, injures himself fixing his rig “Betsy” (1st PIP claim). Later, he's hurt again when a mechanic's shuttle van crashes (2nd PIP claim). Two accidents, two PIP claims—one while working, one as a passenger—make for a rough day.   Notable Timestamps [ 00:17 ] - John has two injury claims in Michigan: a slip and fall while working on his truck (Injury 1) and being rearended while a passenger in a mechanic's shuttle van (Injury 2). [ 01:02 ] - Michigan was once the most expensive state for car insurance but has fallen to the sixth most expensive according to insure.com as of May 25. Which was the cheapest? [ 02:22 ] - Michigan's standard PIP statute under MCL § 500.3114 dictates that the named insured generally collects benefits under their own auto insurance policy, not the policy covering the vehicle involved in the accident. [ 02:49 ] - There are exceptions to the Michigan PIP priority rule, including when an insured is injured as an occupant of a vehicle owned by or registered to their employer or while a passenger in a vehicle used in the business of transporting passengers. [ 04:04 ] - For John's first injury (slip and fall), regarding the "owned by employer" exception, a Michigan appellate court in the reviewed case held the truck was owned by both John (the driver/title holder) and the leasing company (Shoulder Trucking). [ 05:36 ] - The court in this scenario found that he was an employee of himself as an independent contractor, leading his commercial insurance carrier to take priority. [ 07:09 ] - For John's second injury (shuttle van), the key statutory exception language relates to being a passenger in a vehicle "used in the business of transporting passengers". [ 07:52 ] - The phrase "in the business of transporting passengers" is construed in Michigan using a two-prong test from a seminal case: 1) whether transporting passengers was the primary purpose for the vehicle's use, and 2) whether the transportation was incidental to the overall business or activity. [ 08:55 ] - Applying the two-prong test to the mechanic's shuttle van involves considering factors like whether the service was free (suggesting incidental) or regularly offered (suggesting primary purpose or not incidental). The court in the case discussed did not decide this issue for the shuttle van, sending it back to the finder of fact. [ 09:39 ] - Brennan provides a recap of the scenario and the points above. Your PLRB Resources Case Law Review: Smith v. Farm Bureau Mut. Ins. Co. of Mich. (2025) https://www.plrb.org/documents/smith-v-farm-bureau-mut-ins-co-of-mich-2025/ Case Law Review: Miclea v. Cherokee Ins. Co. https://www.plrb.org/documents/miclea-v-cherokee-ins-co/ PLRB State-By-State Survey on PIP, Michigan → “Priority” https://www.plrb.org/documents/michigan-pip-compendium/#priority Case Law Review: Bender v. USAA Gen. Indem. Co. (2025) https://www.plrb.org/documents/bender-v-usaa-gen-indem-co-2025/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Summary: The savage Echo discovers that another girl like her, has been thrown into the Goblin Pits. Of Special Note: Prepare yourself, Traveller. Dire Test Six is visited this night upon you. Download Chapter 144: The Origin of Echo & Kaylana Download All Future Episodes & Bonus Episodes --HERE-- The following recording for The Iron Realm Podcast by Katie Otten was showcased on tonight's episode: Custom Audio created for The Iron Realm by Katie Otten I edited tracks for volume, length, pitch, and mood. Katie's aforementioned audio is included with permission. Find Katie Otten online on: katieotten.com katieotten13 on Twitter, Facebook, and Instagram A thank you for the following recording by Thimblerig: Custom Audio created for The Iron Realm I edited tracks for volume, length, pitch, and mood. Find Thimblerig online: Click here to visit Thimblerig's FreeSound page Thimblerig's aforementioned audio is included on The Iron Realm with her permission. The following music for The Iron Realm Podcast was contributed to The Iron Realm by Max at Coltrin Compositions: Serene Psychosis Hollow Whispers On The Wind Experiment I edited tracks for volume, length, pitch, and mood. Find Coltrin Compositions online on: Max's Patreon Max's YouTube Max's aforementioned audio is included with permission. A thank you for the following recording by Scribbler: Custom Audio created for The Iron Realm I edited tracks for volume, length, pitch, and mood. Click here to visit Scribbler on Twitter X Scribbler's aforementioned audio is included on The Iron Realm with permission. My thanks as well for all audio featured under the cc0 license on tonight's podcast. The Iron Realm is intended for adult audiences. Listener Discretion is advised. The Iron Realm album art/website art was created from a public domain image/CC0 image from PixaBay. Audio on the podcast, unless otherwise noted, has either been created by the author or has been used in accordance with the Creative Commons Zero license. A new Iron Realm Podcast is released periodically and each is a labor of my love for Solo RPG Gaming. Enjoy and support the show. And fare ye well, Traveler of The Maze, in the light and in the dark. Subscribe to The Iron Realm Podcast!

Open data is meant to be shared, but it can quickly become a legal headache without a clear license. In this episode of Geographical Thinking, host Michelle Brake is joined by Paul Heersink, Program Manager of Roads & Addresses at Esri Canada and chair of the Overture Maps Foundation's addressing task force. Together, they dive into the world of open data licensing: what it is, why it matters, and how even small oversights can lead to big problems.Paul shares insights from his work with hundreds of data sources across Canada and beyond. He explains how clear, standardized licenses like CC0, CC BY, and the Open Government License help organizations avoid confusion and encourage responsible data use. Whether you're a GIS professional, data publisher, or just curious about how maps and data get shared, this episode will help you understand the importance of getting the fine print right.

Our guest in this episode is Henry Shevlin. Henry is the Associate Director of the Leverhulme Centre for the Future of Intelligence at the University of Cambridge, where he also co-directs the Kinds of Intelligence program and oversees educational initiatives. He researches the potential for machines to possess consciousness, the ethical ramifications of such developments, and the broader implications for our understanding of intelligence. In his 2024 paper, “Consciousness, Machines, and Moral Status,” Henry examines the recent rapid advancements in machine learning and the questions they raise about machine consciousness and moral status. He suggests that public attitudes towards artificial consciousness may change swiftly, as human-AI interactions become increasingly complex and intimate. He also warns that our tendency to anthropomorphise may lead to misplaced trust in and emotional attachment to AIs.Note: this episode is co-hosted by David and Will Millership, the CEO of a non-profit called Prism (Partnership for Research Into Sentient Machines). Prism is seeded by Conscium, a startup where both Calum and David are involved, and which, among other things, is researching the possibility and implications of machine consciousness. Will and Calum will be releasing a new Prism podcast focusing entirely on Conscious AI, and the first few episodes will be in collaboration with the London Futurists Podcast.Selected follow-ups:PRISM podcastHenry Shevlin - personal siteKinds of Intelligence - Leverhulme Centre for the Future of IntelligenceConsciousness, Machines, and Moral Status - 2024 paper by Henry ShevlinApply rich psychological terms in AI with care - by Henry Shevlin and Marta HalinaWhat insects can tell us about the origins of consciousness - by Andrew Barron and Colin KleinConsciousness in Artificial Intelligence: Insights from the Science of Consciousness - By Patrick Butlin, Robert Long, et alAssociation for the Study of ConsciousnessOther researchers mentioned:Blake LemoineThomas NagelNed BlockPeter SengeGalen StrawsonDavid ChalmersDavid BenatarThomas MetzingerBrian TomasikMurray ShanahanMusic: Spike Protein, by Koi Discovery, available under CC0 1.0 Public Domain DeclarationPromoguy Talk PillsAgency in Amsterdam dives into topics like Tech, AI, digital marketing, and more drama...Listen on: Apple Podcasts Spotify Real Talk About MarketingAn Acxiom podcast where we discuss marketing made better, bringing you real...Listen on: Apple Podcasts Spotify

A "FastFeast" driver ends their shift but forgets to log out of the app. On the way home, they crash—and their insurance denies the claim. Why? They were still “on the job.” In the gig economy, one tap can mean the difference between coverage and denial.   Notable Timestamps [ 00:01 ] - The core scenario involves a driver for the delivery app FastFeast who had an accident on the way home after their shift and whose insurance claim was denied because they were still logged into the app. [ 02:07 ] - A ghost kitchen is a delivery-only establishment with no physical storefront that exists solely on delivery apps. Some ghost kitchens are linked to existing restaurants, like one possibly operating out of Chuck E. Cheese kitchens... [ 05:14 ] - Many personal auto policies, including older ones still in use, contain a livery or public conveyance exclusion that can apply if the vehicle is being used for ridesharing. [ 07:15 ] - Applying the livery exclusion may lead to coverage issues when a rideshare driver is actively transporting passengers during an accident. [ 08:10 ] - Under older livery language, it becomes ambiguous if an accident occurs while a driver is merely logged into the app awaiting an assignment but not actively carrying passengers or property. [ 11:11 ] - The definition of "livery" in these exclusions has been debated in courts; a majority interpret it to include both passengers and property (cargo), while a minority have limited it to passengers only. [ 14:21 ] - Modern exclusionary language for transportation network companies (TNCs) is designed to be less ambiguous than older livery clauses, often excluding coverage simply if the driver is logged into the TNC's digital network, regardless of whether they have an active customer. [ 17:09 ] - Brennan provides a recap of the scenario and the points above. Your PLRB Resources Coverage Question: “Does The “Livery Or Public Conveyance” Exclusion Apply To An Insured Logged Onto Door Dash But Not Making A Delivery? 2024.06.19” https://www.plrb.org/documents/does-the-livery-or-public-conveyance-exclusion-apply-to-an-insured-logged-onto-door-dash-but-not-making-a-delivery/?search=ride%20sharing%20exclusion Coverage Question: “Does A Rideshare Exclusion Apply To An Insured Who Is Only Logged On To The Uber App? – 2024.03.04” https://www.plrb.org/documents/does-a-rideshare-exclusion-apply-to-an-insured-who-is-only-logged-on-to-the-uber-app-2024-03-04/?search=ride%20sharing%20exclusion Emerging Issues: “Does a PAP Provide Coverage for Delivery Drivers Using Personal Vehicles with the Emergence of Ride-sharing Services Like Uber/Lyft/Grubhub? “https://www.plrb.org/documents/does-a-pap-provide-coverage-for-delivery-drivers-using-personal-vehicles-with-the-emergence-of-ride-sharing-services-like-uber-lyft-grubhub/?search=ride%20sharing%20exclusion#passorprop Case Law Review: Bender v. USAA Gen. Indem. Co. (2025) https://www.plrb.org/documents/bender-v-usaa-gen-indem-co-2025/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Our insured, a widow with two adult kids, dies in a house fire. Her son, who planned to move out soon, escapes unharmed. Her daughter, who lives out of state but stores a drum set in the basement, is the executrix and returns home to handle next steps and insurance.   Notable Timestamps [ 01:00 ] - The son planned to move into his girlfriend's apartment by the end of the month [ 02:00 ] - The death clause in the HO3 form is explained as a critical provision ensuring the dwelling remains covered after the named insured's death until the estate can be settled.  [ 03:00 ] - The policy language of the death clause states that the legal representative of the deceased is insured for the premises and property.  [ 04:00 ] - A legal representative is typically the judicially appointed executor or administrator, not just an heir. [ 05:00 ] - Courts have generally held that the death clause overrides the personal property of others clause, which would likely preclude coverage for the daughter's drum set as she was not a resident insured at the time of the fire.  [ 06:00 ] - The son, who was living in the house at the time of the fire, is covered for his personal property, though he cannot make a claim for the dwelling itself.  [ 08:00 ] - The son's ALE coverage would cease if he moves in with his girlfriend, and the daughter is not entitled to ALE because she was not a member of the household at the time of the named insured's death.  [ 09:00 ] - The difference in ALE coverage for the son and daughter reflects the insurance policy's goal to maintain the pre-loss situation, covering the resident son but not the non-resident daughter.  [ 10:00 ] - Coverage under the death clause is intended as a temporary measure providing peace of mind to the family while they settle affairs, and it ends once the estate is settled.  [ 11:00 ] - If the legal representative deeds the house to themselves after the named insured's death but before a loss, coverage under the original policy terminates because the insurance follows the named insured's personal interest, not just the property.  [ 12:00 ] - Once the property is deeded to new owners (even family members), they must obtain their own insurance for coverage.  [ 13:00 ] - John provides a recap of the scenario and the points above. Your PLRB Resources Annotation on the Death Clause - https://www.plrb.org/documents/death-ho120/?search=death Coverage Question: “Does the Death Clause Prevent the Insurer From Cancelling the Policy?” - https://www.plrb.org/documents/does-the-death-clause-prevent-the-insurer-from-cancelling-the-policy-pcq-2019-11-19-twh-a/?search=death%20clause Case Law Review: “Insurable Interest Lost When Executor Transferred Property To Self” - https://www.plrb.org/documents/archer-v-cotton-states-mutual-ins-co-2010/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

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

A windstorm-caused power outage at the Cheesecake Manufactory led to the spoilage of hundreds of cheesecakes and a business income loss. The adjuster is questioning if the windstorm deductible applies to the claim, despite the power outage being the direct cause of the spoilage.   Notable Timestamps [ 00:00 ] - The scenario presented involves a windstorm that caused a power outage, leading to spoiled cheesecakes and a claim for spoilage and lost business income, raising the central question of whether the windstorm deductible applies given the chain of events. [ 01:30 ] - Trivia: Where did the maximum natural wind gust ever recorded occur? [ 03:00 ] - The windstorm deductible endorsement states it applies to losses "caused directly or indirectly by windstorm or hail", but this language, even with "indirectly," can still lead courts to perform a proximate cause analysis, often leaving the "dominant and efficient cause" determination to a jury, unlike clearer anti-concurrent causation language. [ 04:30 ] - While "directly or indirectly" might address some indirect causation issues, the very definition of "windstorm" is not straightforward and is heavily subject to interpretation by courts based on specific case facts. [ 06:00 ] - Case law interpretations of "windstorm" can be narrow, such as a Rhode Island case finding high winds didn't qualify due to excessive rain; or surprising, like a Texas court holding a tornado was not a windstorm for deductible purposes. [ 07:30 ] - Is a tornado the epitome of a windstorm? Depends on who you ask... [ 09:00 ] - When two different endorsement provisions contain irreconcilable conflicts, such as both stating that "no other deductible applies" to the coverage they provide, a court might determine that no deductible applies at all. [ 12:00 ] - The business income claim follows a chain of events from the windstorm to the power outage and then the spoilage. The business income loss specifically results from the inability to operate due to the spoiled inventory, which might also involve potential Extra Expense. [ 13:30 ] - Brennan provides a recap of the scenario and the points above. Your PLRB Resources PLRB Catastrophe Services Launches New Power Outage Reports - https://www.plrb.org/documents/plrb-catastrophe-services-launches-new-power-outage-reports/?search=power%20outage%202025 Turner Construction Co. v. ACE Prop. & Cas. Ins. Co., No. 04-4451-CV, 2005 WL 2837575, — F.3d — (2d Cir. 10/28/05) (applying Texas law) reviewed at PLRB, Prop. Ins. L. Rev. 6978 (2005) Windstorm Deductible – Food Spoilage – BI – PCQ.2024.07.26.twh.a - https://www.plrb.org/documents/windstorm-deductible-food-spoilage-bi-pcq-2024-07-26-twh-a/?search=power%20outage%202024 Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

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

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

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

Hidden dangers in bodies of water are something a lot of people don't think about until it's too late. Things like strong currents, sudden drop-offs, or even hidden debris can be really risky, especially if you're swimming or boating. Sometimes the water looks calm on the surface but hides serious dangers underneath. Knowing about these things can help you stay safe and avoid scary situations. It also helps you feel more confident when you're out enjoying lakes, rivers, or the ocean. Being prepared can literally save lives. CreditsCredit: Dora and the Lost City of Gold / Paramount Players and co-producers Quicksand! / Engel Entertainment and co-producer La chèvre / Gaumont International and co-producers White Shepherd: by Ildar Sagdejev, CC BY-SA 4.0 https://creativecommons.org/licenses/by-sa/4.0/, CC BY-SA 3.0 https://creativecommons.org/licenses/by-sa/3.0/, CC BY-SA 2.5 https://creativecommons.org/licenses/by-sa/2.5/, CC BY-SA 2.0 https://creativecommons.org/licenses/by-sa/2.0/, CC BY-SA 1.0 https://creativecommons.org/licenses/by-sa/1.0/, https://commons.wikimedia.org/wiki/File:2008-08-22_White_German_Shepherd_swimming_in_algae.jpg CC0 1.0 https://creativecommons.org/publicdomain/zero/1.0/: Aplysiatoxin2: by Anagkai, https://commons.wikimedia.org/wiki/File:Aplysiatoxin2.svg The Cyanobacteria: by Berkshire Community College Bioscience Image Library, https://commons.wikimedia.org/wiki/File:Video-_The_Cyanobacteria-_Oscillatoria_and_Gleocapsa.webm Quicksand in Courthouse: by Arches National Park, CC BY 2.0 https://creativecommons.org/licenses/by/2.0/, https://flic.kr/p/fQsv2s, https://commons.wikimedia.org/wiki/File:Quicksand_in_Courthouse_Wash_(9737357112).jpg Animation is created by Bright Side. ---------------------------------------------------------------------------------------- Music from TheSoul Sound: https://thesoul-sound.com/ Check our Bright Side podcast on Spotify and leave a positive review! https://open.spotify.com/show/0hUkPxD34jRLrMrJux4VxV Subscribe to Bright Side: https://goo.gl/rQTJZz ---------------------------------------------------------------------------------------- Our Social Media: Facebook: https://www.facebook.com/brightside Instagram: https://www.instagram.com/brightside.official TikTok: https://www.tiktok.com/@brightside.official?lang=en Telegram: https://t.me/bright_side_official Stock materials (photos, footages and other): https://www.depositphotos.com https://www.shutterstock.com https://www.eastnews.ru ---------------------------------------------------------------------------------------- For more videos and articles visit: http://www.brightside.me ---------------------------------------------------------------------------------------- This video is made for entertainment purposes. We do not make any warranties about the completeness, safety and reliability. Any action you take upon the information in this video is strictly at your own risk, and we will not be liable for any damages or losses. It is the viewer's responsibility to use judgement, care and precaution if you plan to replicate. Learn more about your ad choices. Visit megaphone.fm/adchoices

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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