Podcasts about cc0

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

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

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

Summary: Love. Eternal. So strong. And yet, is it also an irrefutable truth that all things end? Of Special Note: On tonight's Creature Legends, the Fogarr. Download Chapter 149: Love Lets Go Download All Future Episodes & Bonus Episodes --HERE-- My thanks as well for all audio featured under the cc0 license on tonight's podcast. The Iron Realm is intended for adult audiences. Listener Discretion is advised. The Iron Realm album art/website art was created from a public domain image/CC0 image from PixaBay. Audio on the podcast, unless otherwise noted, has either been created by the author or has been used in accordance with the Creative Commons Zero license. A new Iron Realm Podcast is released periodically and each is a labor of my love for Solo RPG Gaming. Enjoy and support the show. And fare ye well, Traveler of The Maze, in the light and in the dark. Subscribe to The Iron Realm Podcast!

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

Featured on Bonsdorffia: The Beat - by Mandy Monro Volare - by Steven Fritz - narrated by David Salvolaine Forecast - by Zary Fekete The Day Before the World Began - by Julie Wornan - narrated by Jeff Alphin Our Audio License AntipodeanSF Radio Show by Ion Newcombe is licensed under CC BY-NC-ND 4.0 Featured Music Pourpose by Andrew R Codeman is licensed under a Creative Commons Attribution License. La luna nello specchio by Parallel Dream is licensed under a Attribution-NonCommercial-ShareAlike 3.0 International License. Future-Forward by Ketsa is licensed under a Attribution-NonCommercial-NoDerivatives 4.0 International License. Creation is like that by Monplaisir is licensed under a CC0 1.0 Universal License. Intro & Outro Music Celestial Navigation by Blue Dot Sessions is licensed under a Attribution-NonCommercial License

This is a holiday week for the podcast, so we're replaying a classic episode. This episode has been lightly edited to remain accurate to the upcoming 2025 Large Loss Conference taking place at the Gaylord Texan Resort & Convention Center in Grapevine, TX on Wednesday November 12 through Friday November 14. We'll be back next week with our regularly scheduled episode.   Today our adjuster is leveling up in their career and handling their first large loss property claim. The adjuster quickly runs into trouble-- where can a claims professional go for help? This November 12 - 14 in Grapvine, TX, join PLRB for the 2025 Large Loss Conference.   Notable Timestamps [ 00:39 ] - Alissha asks HERSELF "what's the scenario?" This scenario features late notice, Category 3 water, and additional damage during a claim. [ 03:24 ] - Late notice issues? Attend the educational session "It's Too Late, Baby, It's Too Late: Navigating a Late Reported Large Loss" with Andy Rock (Rock Law Group). [ 04:34 ] - For water mitigation issues, check out "Interpreting the Microbiology of Storm Damage" with Jeremy Beagle (SDII Global). [ 05:05 ] - For other large storm issues, see "A Coastal Catastrophe: Navigating a Large Hurricane Loss in the Northeast" with Anthony Antonellis and Brendan Labbe (both of Sloane and Walsh LLP). [ 05:45 ] - The Large Loss Conference is intended for claims professionals involved in these losses or hoping to get experience with larger claims, as well as the experts, attorneys, and accountants who provide insights on these claims. [ 06:43 ] - The Large Loss Conference is differently structured than PLRB's other conferences. The educational sessions are 90 minutes long, often more focused on case studies, and involve more interactivity. [ 07:56 ] - Andrew features the educational session "Back to the Future: How Adjusters Can Use Forensic Meteorology in Hail and Wind Claims" with Howard Altschule (Forensic Weather Consultants). [ 08:48 ] - The Large Loss Conference features many casualty and personal lines sessions as well, such as "We Didn't Start the Fire: Was it Smoking or Smokin'" with David Heemann (Mutual of Enumclaw), Pete Fowler (Fowler Construction Consultants), and Jennifer Kalvestran (Anderson, McPharlin & Conners LLP). [ 11:08 ] - The conference's general session will feature "Whoever Said Insurance Was Boring? 30 Years of Fascinating Claims Stories" with Steve Badger (Zelle LLP). [ 11:56 ] - Most educational sessions are approved in FL, TX, DE, NC, and OK Continuing Education credit, and even some courses approved for GA CE credit! [ 12:56 ] - To register, visit PLRB.org and click on the banner on the main page OR the Events tab. Registration is free for members. [ 13:50 ] - Maria McNally will be available to discuss membership or website questions. [ 14:45 ] - Alissha provides a recap of the scenario and the points above. Your PLRB Resources PLRB's Events tab: https://www.plrb.org/plrb-events/ Direct Link to PLRB's Large Loss page: https://www.plrb.org/event/plrb-2025-large-loss-conference/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org. Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

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

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

Today's insured looked out the window and saw that a windstorm with strong 50 MPH sustained winds had kicked up soil from their neighbor's farm fields. The soil accumulated in layers over their home, garage, pool, hot tub, and all their beautiful landscaping. The garage door was open, so their home carpentry workshop and storage was covered in dirt. Even their koi pond was buried in the soil. None of the buildings were structurally compromised, but the insured will need a professional cleaning.   Notable Timestamps [ 08:03 ] - Direct physical loss can include the cost of exceptional cleaning effort for a dwelling or other structure, even if no permanent damage occurred. [ 10:20 ] - Water in a pool or pond is likely not covered property under a standard homeowners policy due to a "property not covered" provision for water. [ 11:23 ] - The cost to drain and refill a pool may be covered if necessary to repair damage to the structure itself. [ 13:46 ] - Personal property inside a building is only covered for windstorm damage if the wind first created an opening (like to the roof or siding) through which dirt or dust entered. [ 15:02 ] - Personal property located outside a building, such as patio furniture, would be covered for damage from wind or a dust storm. [ 16:35 ] - Animals, including koi fish, are generally excluded from personal property coverage in a standard policy, often requiring a special endorsement. [ 19:14 ] - Damage to landscaping, trees, shrubs, and plants is an additional coverage, and windstorm is typically not one of the few named perils that apply. [ 20:47 ] - Beth provides a recap of the points above. Your PLRB Resources TYCK: Wind Blew Dirt On My Koi Fish - https://members.plrb.org/education/courses/wind-blew-dirt-on-my-koi-fish Coverage Question: Overflow from a Sump: Does It Apply to Water from a Drainage Line? (Another Koi Fish Hypothetical) - https://www.plrb.org/documents/overflow-from-a-sump-does-it-apply-to-water-from-a-drainage-line-pcq-2017-06-07-jch-a Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

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

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

Beatriz is a city dweller who never learned how to drive a car. However, recently she got tired of the train and decided to get an E-bike. She bought an old E-bike off a friend, purchased a battery from AftermarketBatteries.biz, and soon was zipping through the streets. Her friends even got her a "bumper sticker" that reads "Beatriz's Car" for the side. But one night, it caught fire while charging outside her apartment door. Is it a covered motor vehicle under the standard ISO HO-3 form?   Notable Timestamps [ 00:00 ] - E-bikes are becoming increasingly common in cities, raising new insurance questions, particularly around how coverage applies when losses occur. [ 02:23 ] - E-bike Trivia: Rainy Days & Freezing Batteries [ 04:12 ] - Coverage disputes often center on whether an e-bike qualifies as a motor vehicle under the HO3 form, with fire and theft being frequent causes of loss. [ 06:34 ] - E-bikes are classified into three classes based on speed and power, which affect where they can be ridden and complicate insurance coverage determinations. [ 08:24 ] - The 2022 HO3 form clarified that e-bikes with throttles are motor vehicles, unlike the 2011 edition, which did not define related terms. [ 11:42 ] - Pedal-assist-only e-bikes are generally not considered self-propelled, but throttle-equipped bikes risk being excluded as motor vehicles under certain policies. [ 13:22 ] - Policy language can lag behind technology, creating a gap where there is uncertainty in coverage. [ 16:14 ] - Expensive e-bikes may require endorsements for coverage, since they can fall into property-not-covered provisions under homeowners insurance. [ 17:05 ] - Urban fires linked to aftermarket batteries prompted new laws, such as requiring UL Certification in New York, to improve e-bike safety. [ 19:17 ] - Sonia provides a recap of the points above. Your PLRB Resources Coverage Question: Is an E-Bike Considered a Motor Vehicle in Minnesota? https://www.plrb.org/documents/is-an-e-bike-a-motor-vehicle-in-minnesota-pcq-2024-11-11-jch-a FAQ: E-Bikes and First Party Issues https://www.plrb.org/documents/e-bikes-and-first-party-issues/?search=ebike Recorded Webinar: Transportation Network Companies: Driving into the Future Webinar https://members.plrb.org/education/courses/transportation-network-companies-driving-into-the-future-webinar Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Norske kvinnelige idrettsutøvere måtte i år gjennom genetisk kjønnstesting for å få delta i internasjonale mesterskap i friidrett og boksing, og nå varsler også det internasjonale skiforbundet at de vil kreve det samme. Testen skal vise om de kvinnelige deltakerne har et gen kalt SRY-genet. Men hva er SRY-genet? Hvilken rolle spiller dette genet i kjønnsutviklingen? Og er det lov å gjennomføre testen i Norge?Biotekpodden har besøk av Andreas Benneche, lege og genetiker ved avdeling for medisinsk genetikk ved Haukeland Universitetssykehus.Programleder: Mette RisaIllustrasjonsfoto: LeeMNichols, CC0, via Wikimedia Commons Hosted on Acast. See acast.com/privacy for more information.

A few months ago, today's insured decided to jump into the latest trend for a lot of suburban dwellers, and he got some chickens! He built a chicken coop and a caged in area for the chickens to be safe from predators. The coop itself looks like a very large shed with a fenced-in area extending from the coop. The insured calls up their agent to ask if there's coverage for the coop under their HO 00 03 03 22 policy covering their home and an attached garage.   Notable Timestamps [00:00] - A homeowner built a large chicken coop and asked their insurer whether it was covered under their 2022 homeowners policy. [02:00] - The hosts dive into trivia, noting that chickens are genetically the closest living relatives to the T-Rex. [05:00] - Coverage depends on construction: a coop attached to the house may fall under Coverage A, but detached coops lean toward Coverage B or C. [07:30] - One key test is portability: if the coop can move with the owner, it likely counts as personal property under Coverage C. [10:00] - Courts consider a variety of factors, e.g. how the coop is affixed, its adaptation for use, and the owner's intent to keep or move it. [12:30] - Some coops are deliberately not anchored to protect against flooding or predators, adding complexity to coverage classification. [14:25] - Similar issues arise with swing sets, pools, and other backyard structures—each must be evaluated individually. [15:15] - Selling eggs could cross the line into business use, potentially excluding coverage under standard homeowner policies. [18:00] - Coverage type affects settlement: Coverage B buildings may qualify for replacement cost, while Coverage C property is typically ACV. [20:00] - Beth provides a recap of the points above. Your PLRB Resources Coverage Question: Other Structures Used for Business – Raising Chickens https://www.plrb.org/documents/other-structures-used-for-business-raising-chickens/ Other Structures: Can Some Items Be Treated As Either Coverage A Or Coverage B Property? https://www.plrb.org/documents/other-structures-can-some-items-be-treated-as-either-coverage-a-or-coverage-b-property-pcq-2022-01-17-jem-a/?search=other%20structures Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

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

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

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

Messy Masonry, Inc. was hired as a subcontractor on a new home construction. Their job was to install two giant bay windows overlooking a lake, but they ended up splashing mortar on one of them. When they attempted to scrub it off, the window was scratched. As for the other window... another subcontractor, Outside the Lines Painting, was hired to paint the window frames, but accidentally sanded part of the windows in that process. The homeowner found the scratches months later.   Notable Timestamps [ 00:00 ] - A construction scenario involves Messy Masonry splashing mortar and scratching a bay window, and Outside the Lines Painting sanding another window, damaging the glass. [ 01:26 ] - The "damage to property" exclusion, particularly j(5) and j(6), is a complex and often confusing aspect of the CGL policy. [ 03:43 ] - Courts have ruled that if damage results from work product done incorrectly, it's not an "occurrence" and therefore not covered by a CGL policy, even before exclusions are considered. [ 05:28 ] - The j(5) exclusion applies to property damage on "that particular part of real property" where the insured or subcontractors are performing operations, if the damage arises from those operations. [ 06:03 ] - The j(6) exclusion covers "that particular part of any property" requiring repair or replacement due to "your work" being incorrectly performed. [ 11:32 ] - Courts have viewed incidental tasks, such as cleaning up mortar, as part of "performing operations," meaning damage occurring during such tasks can fall under the exclusion. [ 17:13 ] - The specific scope of a subcontractor's contract, detailing what work they were hired to perform, is a crucial factor in determining the applicability of CGL policy exclusions. [ 17:37 ] - Brennan provides a summary of the key takeaways. Your PLRB Resources Upcoming Course: All About the CGL Damage to Property Exclusion - Coming Soon! Learning Path: What Part is "That Particular Part" in the CGL j.(5) and j.(6) Exclusions? - https://members.plrb.org/education/courses/what-part-is-that-particular-part-in-the-cgl-j5-and-j6-exclusions Advantage Homebuilding LLC v. Maryland Cas. Co. 470, F3d 1003 (10th Cir. Kan. 2006). https://www.plrb.org/documents/advantage-homebuilding-llc-v-maryland-cas-co-2007/ Alverson v. Northwestern Nat. Cas. Co., 559 N.W.2d 234 (S.D. 1997) https://www.plrb.org/documents/alverson-v-northwestern-natl-cas-co-1997/ Employers Mut. Cas. Co. v. Pires, 723 A.2d 295 (R.I. 1999) https://www.plrb.org/documents/employers-mut-cas-co-v-pires-1999/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Our guest in this episode is Noel Hurley. Noel is a highly experienced technology strategist with a long career at the cutting edge of computing. He spent two decade-long stints at Arm, the semiconductor company whose processor designs power hundreds of billions of devices worldwide. Today, he's a co-founder of Literal Labs, where he's developing Tsetlin Machines. Named after Michael Tsetlin, a Soviet mathematician, these are a kind of machine learning model that are energy-efficient, flexible, and surprisingly effective at solving complex problems - without the opacity or computational overhead of large neural networks.AI has long had two main camps, or tribes. One camp works with neural networks, including Large Language Models. Neural networks are brilliant at pattern matching, and can be compared to human instinct, or fast thinking, to use Daniel Kahneman´s terminology. Neural nets have been dominant since the first Big Bang in AI in 2012, when Geoff Hinton and others demonstrated the foundations for deep learning.For decades before the 2012 Big Bang, the predominant form of AI was symbolic AI, also known as Good Old Fashioned AI. This can be compared to logical reasoning, or slow learning in Kahneman´s terminology.Tsetlin Machines have characteristics of both neural networks and symbolic AI. They are rule-based learning systems built from simple automata, not from neurons or weights. But their learning mechanism is statistical and adaptive, more like machine learning than traditional symbolic AI. Selected follow-ups:Noel Hurley - Literal LabsA New Generation of Artificial Intelligence - Literal LabsMichael Tsetlin - WikipediaThinking, Fast and Slow - book by Daniel Kahneman54x faster, 52x less energy - MLPerf Inference metricsIntroducing the Model Context Protocol (MCP) - AnthropicPioneering Safe, Efficient AI - ConsciumSmartphones and Beyond - a personal history of Psion and SymbianThe Official History of Arm - ArmInterview with Sir Robin Saxby - IT ArchiveHow Spotify came to be worth billions - BBCMusic: Spike Protein, by Koi Discovery, available under CC0 1.0 Public Domain Declaration

An insured filed a claim for a lost diamond earring. The stud and its match were scheduled as 1.00 Carat each, “I” color and SI clarity, for $8,000. Her insurer asked Gemcor create a match. When we received the mate, we ran our standard test and found something unexpected: the diamond wasn't natural. It was lab-grown. In the years since its purchase, the replacement cost for lab-grown diamonds has plummeted. But the insured believed they were both natural, and wants a natural replacement.   Notable Timestamps [ 00:58 ] - A client filed a claim for a lost diamond earring, but the mate, initially thought to be natural and scheduled for $8,000, was unexpectedly discovered to be lab-grown, with its replacement cost having plummeted. [ 01:28 ] - Lab-grown diamonds are chemically and physically identical to natural diamonds, grown from a seed crystal in a lab, and only very high-quality equipment can differentiate them. [ 02:08 ] - The main difference for lab-grown diamonds is value, as they are not rare. Natural diamonds take millions of years, while lab-grown are created in 30 days, making them significantly less expensive. [ 06:12 ] - An insured's original appraisal correctly stated "lab grown," but underwriting dropped this crucial detail from the policy, as the industry lacked awareness of its importance years ago. [ 10:10 ] - If an insurance company pays for a pair and later discovers the remaining earring is lab-grown, salvage recovery is minimal, as there's no market to resell them when new ones can be easily manufactured. [ 11:27 ] - A lab-grown diamond pair purchased for $8,000 in 2001 (or $2,000 two years ago) can now be replaced by the original jeweler for $1,000 or less due to plummeting market prices. [ 14:04 ] - The purpose of insurance is to make the insured whole by replacing the item with like kind and quality, not necessarily the original dollar amount, which is impactful when lab-grown prices change quickly. [ 16:45 ] - Ali & Dana provide a recap of the points above. Your PLRB Resources CE Course: Jewelry Valuation & Adjustment - https://members.plrb.org/education/courses/jewelry-valuation-amp-adjustment Coverage Question: Wedding Ring Diamond Replaced W/O Notifying Insurer: ACV for Original Ring? - 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).

Summary: Beyond all hope, the Halfling Temic is found again. But is there something off about his return? Of Special Note: On tonight's Patron Shoutout, the brave supporters are honored. Download Chapter 147: Asking After Gods Download All Future Episodes & Bonus Episodes --HERE-- A thank you for the following recording by Thimblerig, the Savior of the Show: 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 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 Stephanie Fay Gunning: Custom Audio created for The Iron Realm I edited tracks for volume, length, pitch, and mood. Find Stephanie online on: X The following recording for The Iron Realm Podcast by Alivve was featured during this night's episode: Custom Audio created for The Iron Realm by Alivve I edited tracks for volume, length, pitch, and mood. (find Alivve at freesound.org) Click here to visit her page Alivve's aforementioned audio is included in accordance with Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/ The following recording for The Iron Realm Podcast by Angela Tran was featured during this episode: Custom Audio created for The Iron Realm by Angela Tran I edited tracks for volume, length, pitch, and mood. (find Angela Tran at Angela Tran Voiceovers) Click here to visit her page Angela Tran'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!

An insured brought her diamond ring to a local jeweler for a routine cleaning. The jeweler found damage and recommended filing a claim. Our team checked the original appraisal on file, which raised questions about the identified break. However, close analysis confirmed a different break in the girdle. The insured was entitled her to a like-kind replacement or cash if she surrendered the chipped stone. But, the insured does not want to surrender the diamond for sentimental reasons.   Notable Timestamps [ 00:52 ] - The insured's diamond had a girdle break, and while entitled to replacement, she didn't want to surrender it due to sentimental reasons. [ 01:54 ] - Dana & Ali introduce themselves, Gemcor, and Digipraise. [ 04:32 ] - When a claim involving a damaged stone is resolved, the stone belongs to the insurance company under the policy. However, the insured can often buy back the stone at its salvage value. [ 05:01 ] - Jewelry claims require empathy because insureds often have deep emotional and sentimental attachments to their pieces. Approaching these conversations sensitively is crucial for a positive resolution. [ 05:39 ] - For minor damage like a "small nick on the girdle," repairing the stone and compensating for loss in value is an option. This allows the insured to keep their original diamond and prevents further damage. [ 09:50 ] - Before a claim can move forward, an expert on behalf of the insurance company must inspect the jewelry to verify damage. This prevents premature replacement recommendations. [ 11:48 ] - Many clients are underinsured because they fail to update appraisals, leading to coverage being capped at outdated values and significant out-of-pocket costs. [ 16:48 ] - Diamond certifications with a map of imperfections are vital tools. They help distinguish between pre-existing flaws and new damage, which directly impacts coverage decisions. [ 15:44 ] - Ali & Dana provide a recap of the points above. Your PLRB Resources CE Course: Jewelry Valuation & Adjustment - https://members.plrb.org/education/courses/jewelry-valuation-amp-adjustment Coverage Question: Agreed Value Settlement For Repair Of Jewelry - https://www.plrb.org/documents/wedding-ring-diamond-replaced-w-o-notifying-insurer-acv-for-original-ring-pcq-2009-10-08/?search=diamond%20value 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).

Warning, this scenario mentions suicide. The insured's 21-year-old son lives with them and suffers from depression. While the insured parents are away, their son goes through a breakup and decides to kill himself. He gets very drunk and douses the entire first floor in the gasoline they use for their lawnmower. He turns over a candle and goes upstairs to pass out. A neighbor called the police in time, and the young man was saved-- but the resulting fire consumed the house.   Notable Timestamps [ 00:10 ] - John shares a serious scenario that raises pertinent coverage questions. [ 01:22 ] - The intentional loss exclusion ensures insurance covers fortuitous/accidental events, not property purposely destroyed for the prupose of collecting insurance proceeds. [ 02:00 ] - The intentional loss exclusion is clearly worded: if any insured commits an intentional act causing loss, no insured, even innocent ones, are entitled to coverage. [ 03:16 ] - Two criteria for the exclusion: the act must be by an insured, and committed with intent to cause loss, which can be difficult to prove. [ 04:53 ] - Courts consider if the perpetrator lacked the ability to form intent due to mental handicaps, mental health issues, or age, making the exclusion potentially inapplicable. [ 05:40 ] - Courts are now less friendly to the intoxication defense. The inferred intent doctrine holds that if a loss (like fire from gasoline) is "substantially certain to occur," intent is inferred, regardless of primary motive (e.g., suicide). [ 08:30 ] - Suicidal intent can be a defense, as individuals may not be in their right mind. However, the inferred intent doctrine makes recovery difficult if the actions were likely to cause property damage. [ 13:36 ] - In states with a Standard Fire Policy (SFP), which uses "conduct of the insured," innocent co-insureds might still recover, overriding tighter policy language. [ 17:20 ] - John provides a recap of the points above. Your PLRB Resources Annotation: Intentional Loss (HO90) https://www.plrb.org/documents/intentional-loss-ho90/#toc22 50-State Survey: Innocent Co-Insureds https://www.plrb.org/documents/table-of-contents-innocent-coinsured/ SEE ALSO: 988 Suicide & Crisis Lifeline - 988 offers 24/7 judgment-free support for mental health, substance use, and more. Text, call, or chat 988. samhsa.gov/mental-health/988 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).

Please be advised that this episode contains explicit language. Join us this month as  we talk to Sarah Gray, who has a memoir out with Simon and Schuster titled, An Everlasting Life. She's also a member of the DC Library Writers Workshop and she'll read her piece The Lacemaker (read here) and we'll talk about expectations and publishing a memoir. We also have the director of my old Alma Mater, the Jimenez Porter Writers House at the University of Maryland. Ross Angelella. He is an award winning novelist and screenwriter. Then we talk with the prolific (over 200 books written) Best-Selling and self-published author Valerie Lennox. We talk to her about work and writing and the work of writing.Then we finish up with indie favorite Kyle Seibel, whose latest book Hey You Assholes (from Clash Books)! Is catching buzz everywhere. We talk to him about work, working and writing, and the work of writing.  Credits 8/12/2025 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/ $x4 (MicroSong) by sthm is licensed under a CC0 1.0 Universal License.https://freemusicarchive.org/music/microSong_Challenge/2015021275957958/x4_MicroSong/ Re-Function! by junior85 is licensed under a CC0 1.0 Universal License.https://freemusicarchive.org/music/microSong_Challenge/2015021275957958/junior85_-_08_-_Re-Function/ Radiate Instrumental (GLASS).mp3 by Nuisance is licensed under a Attribution-NonCommercial 4.0 International License.https://freemusicarchive.org/music/nuisance/glass-instrumental/radiate-instrumental-glassmp3/ 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/     

The adjuster on a hail claim receives a long list of line items that are "required by code." Once the old shingles are torn off, they find rot and gaps in the sheathing, and the contractor says a thicker sheathing is now required by code.    Notable Timestamps [ 00:10 ] - Ice barriers, drip edges, a double felt underlayment... Searching the internet only leads the adjuster spiralling down a rabbit hole. [ 01:30 ] - What internet rabbit holes have you gone down? [ 04:28 ] - With PLRB's updated Address Report, members can provide an address and specify details such as rafter spans. [ 05:05 ] - PLRB's Building Codes Address Report provides the adopted building code for a specific address, ensuring it falls within the correct city boundaries (e.g., Parma, Ohio). [ 06:39] - Hail reports from NOAA are also included, allowing adjusters to confirm if hail was present in the area on the claim date. They also provide state-specific matching information, such as Ohio's "reasonable comparable appearance" standard. [ 08:27 ] - The report includes diagrams that visually differentiate between modern wood structural panels and older lumber sheathing (planks), explaining concepts like H-clips for edge support. [ 11:31 ] - The reports clarify requirements for common contractor-claimed line items, such as ice barriers, confirming if they are required (e.g., statewide in Ohio) and providing links to the source of this information. [ 14:14 ] - The "Ask a code question" button links to a form where building code experts will research the specific inquiry and provide citations and links back to the member. [ 15:44 ] - Ruth provides a recap of the points above. Your PLRB Resources Building Codes Hub & Address Report - https://members.plrb.org/building-codes FAQ: When is Double Underlayment Required? - https://www.plrb.org/documents/when-is-double-felt-underlayment-required/?search=When%20is%20Double%20Felt%20Underlayment%20Required? Ask a Building Code Question - https://www.plrb.org/building-codes/ask-plrb-building-code-question/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Featured on Bogoslovskij Cultural Perception as Open Polynomial - by S. T. Eleu The Vault - by Tim Borella Our Audio License AntipodeanSF Radio Show by Ion Newcombe is licensed under CC BY-NC-ND 4.0 Featured Music ethereal-moments-master by John Bartmann is licensed under a CC0 1.0 Universal License. starmans-call-master by John Bartmann is licensed under a CC0 1.0 Universal License. Intro & Outro Music Celestial Navigation by Blue Dot Sessions is licensed under a Attribution-NonCommercial License

Could the future see the emergence and adoption of a new field of engineering called nucleonics, in which the energy of nuclear fusion is accessed at relatively low temperatures, producing abundant clean safe energy? This kind of idea has been discussed since 1989, when the claims of cold fusion first received media attention. It is often assumed that the field quickly reached a dead-end, and that the only scientists who continue to study it are cranks. However, as we'll hear in this episode, there may be good reasons to keep an open mind about a number of anomalous but promising results.Our guest is Jonah Messinger, who is a Winton Scholar and Ph.D. student at the Cavendish Laboratory of Physics at the University of Cambridge. Jonah is also a Research Affiliate at MIT, a Senior Energy Analyst at the Breakthrough Institute, and previously he was a Visiting Scientist and ThinkSwiss Scholar at ETH Zürich. His work has appeared in research journals, on the John Oliver show, and in publications of Columbia University. He earned his Master's in Energy and Bachelor's in Physics from the University of Illinois at Urbana-Champaign, where he was named to its Senior 100 Honorary.Selected follow-ups:Jonah Messinger (The Breakthrough Institute)nucleonics.orgU.S. Department of Energy Announces $10 Million in Funding to Projects Studying Low-Energy Nuclear Reactions (ARPA-E)How Anomalous Science Breaks Through - by Jonah MessingerWolfgang Pauli (Wikiquote)Cold fusion: A case study for scientific behavior (Understanding Science)Calculated fusion rates in isotopic hydrogen molecules - by SE Koonin & M NauenbergKnown mechanisms that increase nuclear fusion rates in the solid state - by Florian Metzler et alIntroduction to superradiance (Cold Fusion Blog)Peter L. Hagelstein - Professor at MITModels for nuclear fusion in the solid state - by Peter Hagelstein et alRisk and Scientific Reputation: Lessons from Cold Fusion - by Huw PriceKatalin Karikó (Wikipedia)“Abundance” and Its Insights for Policymakers - by Hadley BrownIdentifying intellectual dark matter - by Florian Metzler and Jonah MessingerMusic: Spike Protein, by Koi Discovery, available under CC0 1.0 Public Domain Declaration

The 100-year-old named insured died of natural causes. His daughter, the executor, inherited and moved into the home, continuing to pay the same bills—including insurance premiums. Four years later, a fire occurred, but the policy still listed her late father. Can it pay out?   Notable Timestamps [ 00:10 ] - The daughter continued to pay the premiums, but did not contact the insurance company to advise them of her father's death. [ 01:30 ] - Trivia Time! Who was the oldest living person? [ 04:06 ] – Insurance policies generally follow the insureds, as defined by the policy, as opposed to the property itself.  [ 05:01 ] - A "death clause" provides a grace period to ensure coverage for the legal representative of the deceased (such as the executor of the estate) with respect to the premises and property covered at the time of death. This provision allows the family time to address affairs following a death. [ 06:15 ] – The grace period is not indefinite. Coverage under this clause typically ceases once the probate proceeding is finalized and the assets are distributed, as there is no longer a legal representative for the deceased. Some modern policies also include a hard cap, such as 180 days (approximately six months), for this grace period. [ 10:20 ] – Insurance companies are generally not obligated to actively seek out information regarding a policyholder's death. Courts have affirmed that the responsibility lies with the policyholder or the person seeking coverage to notify the insurer of any changes to the situation. [ 13:56 ] – Arguments appealing to "fairness" or doctrines like "mutual mistake" (where both parties are mistaken about a fact) typically do not succeed in court when the insurance company was unaware of the policyholder's death.  [ 17:33 ] – To prevent coverage lapses and ensure proper protection, it is critical for individuals or their families to contact their insurance agent or company to update policies, especially after a major life event like the death of a named insured. [ 14:00 ] - Tim provides a recap of the points above. Your PLRB Resources Coverage Question: If Named Insured Dies, Does Non-Resident Legal Representative Have Duty To Maintain Heat? https://www.plrb.org/documents/death-must-representative-maintain-heat/?search=duty%20to%20maintain%20heat%20representative Ramsey v. Allstate Ins. Co. (6th Cir.) (2013) https://www.plrb.org/documents/ramsey-v-allstate-insurance-co-6th-cir-2013/ Davis v. Westfield Ins. Co. (2022) https://www.plrb.org/documents/davis-v-westfield-ins-co-2022/ Kantz v. Everett Cash Mut. Ins. Co. (2018) https://www.plrb.org/documents/kantz-v-everett-cash-mut-ins-co-2018/ Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

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

Summary: The Dark Elf, Veyla, becomes suspicious when Seina broaches a secret wrapped in a million year old memory. Of Special Note: On tonight's Creature Legends, the Sillian Facsimile. Download Chapter 146: The Name of the Goddess Download All Future Episodes & Bonus Episodes --HERE-- A thank you for the following recording by Thimblerig, the Savior of the Show: 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: Intro - Dim Lounge 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 Aurora Locifer: Custom Audio created for The Iron Realm I edited tracks for volume, length, pitch, and mood. Find Aurora online on: X 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 episode of London Futurists Podcast is a special joint production with the AI and You podcast which is hosted by Peter Scott. It features a three-way discussion, between Peter, Calum, and David, on the future of AI, with particular focus on AI agents, AI safety, and AI boycotts.Peter Scott is a futurist, speaker, and technology expert helping people master technological disruption. After receiving a Master's degree in Computer Science from Cambridge University, he went to California to work for NASA's Jet Propulsion Laboratory. His weekly podcast, “Artificial Intelligence and You” tackles three questions: What is AI? Why will it affect you? How do you and your business survive and thrive through the AI Revolution?Peter's second book, also called “Artificial Intelligence and You,” was released in 2022. Peter works with schools to help them pivot their governance frameworks, curricula, and teaching methods to adapt to and leverage AI.Selected follow-ups:Artificial Intelligence and You (podcast)Making Sense of AI - Peter's personal websiteArtificial Intelligence and You (book)AI agent verification - ConsciumPreventing Zero-Click AI Threats: Insights from EchoLeak - TrendMicroFuture Crimes -  book by Marc GoodmanHow TikTok Serves Up Sex and Drug Videos to Minors - Washington PostCOVID-19 vaccine misinformation and hesitancy - WikipediaCambridge Analytica - WikipediaInvisible Rulers - book by Renée DiResta2025 Northern Ireland riots (Ballymena) - WikipediaGoogle DeepMind Slammed by Protesters Over Broken AI Safety PromiseMusic: Spike Protein, by Koi Discovery, available under CC0 1.0 Public Domain DeclarationDigital Disruption with Geoff Nielson Discover how technology is reshaping our lives and livelihoods.Listen on: Apple Podcasts Spotify Inspiring Tech Leaders - The Technology PodcastInterviews with Tech Leaders and insights on the latest emerging technology trends.Listen on: Apple Podcasts Spotify

A concrete foundation is crumbling due to a truck's sugar-contaminated sand delivery. Now, a court case hinges on whether the CGL auto exclusion applies: Did the damage occur in the truck or on the job site? Notable Timestamps [ 00:30 ] - At the outset, it seems the question (of whether the CGL or the BAC policy applies) turns on whether the damage occurred on the job site, at the concrete plant, or on the sand delivery truck. [ 05:01 ] - Sugar can be used in small, controlled amounts to delay concrete setting time, but higher concentrations can prevent proper curing. The contamination in this scenario was due to a "failure to clean" the truck from a previous job. [ 08:57 ] - The CGL Auto Exclusion operates to ensure coverage falls under the proper policy. In this case, the property damage occurred on a truck, so it should not be handled by the CGL policy but by Business Auto Coverage. [ 13:02 ] - The CGL form defines property damage to include "loss of use", meaning that even if the sand itself wasn't physically damaged, its inability to be used for its intended purpose (making proper concrete) qualifies as property damage. [ 15:47 ] - The Business Auto policy "Care, Custody, and Control" exclusion applied because the concrete plant's employee made the error. [ 16:24 ] - Brennan provides a recap of the scenario and the points above. Your PLRB Resources In Brief: Clear Blue Specialty Ins. Co. v. Landrieu Concrete and Cement Industries, LLC, 2025 U.S. App. LEXIS 10563 (5th Cir. La. 5/1/25). https://www.plrb.org/documents/clear-blue-specialty-ins-co-v-landrieu-concrete-and-cement-industries-llc-2025/ Annotation: CGL Policy Key GL39 – Automobile Exclusion. https://www.plrb.org/documents/gl39-automobile-exclusion Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at “Property and Liability Resource Bureau” Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Two siblings end up in a shared dream and explore it according to their priorities: eating food and making friends. Genre: Fairy Tale, Fantasy     Excerpt: As Astra kept staring at the sign, the characters began to shift into ones she could read. She grinned and started reading aloud. “Dream Sector Alpha. Basic fantasies. Opening gifts. Eating rocky road brownies—wait, I don't like rocky road brownies.” “I do!” Fen said. “Dream Sector Beta…Zeta…Theta. Hey, I know this. This is the Greek alphabet.”   What story or stories am I revisiting in this episode? Each Season 8 episode is a standalone story, but it's connected to or inspired by a previous story through a character, a place, an object, a concept, a continuation of events (ahem, sequel), and so on. This story revisits “The Mystery of Mrs. Highweather,” in which a new father, seeking stories for his baby daughter, stumbles across a series of books he used to love in his childhood about the caretaker of two adventurous kids.   MY FIRST BOOK (yay)Ever wonder how I've gotten all these hundreds of stories written?  I have a method. And I talk all about it in my book called Fictioneer's Field Guide: A Game Plan for Writing Short Stories. It's now available as an eBook, paperback, and hardcover. The book title takes you straight to the book on Amazon. Or you can visit my Store page: STORYFEATHER STORE   The Store page also has sign-up forms for my two email newsletters: Storyfeather Gazette (if you'd like to keep up with the fiction I create) Fictioneer's Field Guide (if you'd like writing tips and guidance from me) Choose what you want. (Either way, you're choosing high jinks.)   MERCH!Interested in merch, like mugs and notebooks, featuring my artwork? Please visit my Store page for updated info on where you can buy: STORYFEATHER STORE   CREDITSStory: “Two Tickets to Dream Sector Disigma” Copyright © 2021 by Nila L. Patel Narration, Episode Art, Editing, and Production:  Nila L. Patel   Music: “Packed lunch” by TRG Banks (Intro) “The silver bus” by TRG Banks (Outro) “Abstract Vision #5” by ANDREW SITKOV (Outro)   Music by TRG BANKS “Through the gravitational field” “The silver bus” “Packed lunch” “First stop” “Horse ride 4” “Cigar”   Music by ANDREW SITKOV* “Casual Theme #2” “Casual Theme #4” “Knight Power” “Secrets of Kingdom” “Journey into Fog” “Battle March” “Protection of Kingdom” “Knight Rising”   *All these tracks are part of a music and sound effects bundles I purchased from Humble Bundle and sourced from GameDev Market.   Music by Andrew Sitkov is licensed from GameDev Market Music by TRG Banks is licensed under CC0 1.0 Universal Sound effects from AudioJungle, and GameDevMarket, and Soundly (through Hindenburg) Changes made to the musical tracks? Just cropping of some to align with my narration.   Find more music by Andrew Sitkov at gamedevmarket.net Find more music by TRG Banks at freemusicarchive.org/music/TRG_Banks Find more stories by Nila at storyfeather.com   Episode Art Description: Digital drawing of a stream cutting through a grassy meadow. Foreground left corner displays glowing curling stems. A ladybug is perched on one of the stems. Bottom middle edge, a piece of paper floats in the water. To the ladybug's left, a wooden sign juts up from the grass. In the upper third of the image, forests are visible through purple haze, and mountains even further back. The sky glows with sunlight. The rectangular image is made square with top and bottom borders that repeat and continue the top and bottom of the image. Watermark of “Storyfeather” along the edge of the river at center right.

This is a replay of an episode that originally aired on March 19, 2024.     An insured's detached garage burns down in a covered lightning strike, and somehow it's not covered just because of a little side hustle? The PLRB crew hunt for coverage and find what the insurer can pay out on when an insured rents out their property without updating their insurance company.   Notable Timestamps   [ 00:17 ] - The insured remodeled their detached garage for use as an AirBNB rental, but never notified their insurer. The garage burned down, and the insured files a claim for the property damage, contents, and nearby oak tree that also burned down.   [ 02:40 ] - This scenario's policy explicity does not cover structures “held for rental”, so this clause would apply even though no guests were present on the date of loss.   [ 05:50 ] - The contents would likely be covered as long as the detached garage is not considered an “apartment.”   [ 07:42 ] - However, the Special Limit of Liability would limit that contents recovery to $3,000 under this policy.   [ 08:04 ] - AirBNB provides a form of coverage which they state is not insurance, but it likely applies only when guests were, at minimum, present.   [ 09:52 ] - The oak tree is also covered, but likely limited to $500.   [ 11:13 ] - In a variation on the scenario, the group discusses that property of tenants would likely not be covered.   [ 13:26 ] - Fair rental value coverage only applies to covered losses.   [ 14:50 ] - Clauses on “homesharing activities” are more frequently appearing in newer forms.   [ 16:30 ] - Tim provides a recap of the scenario and the points above.   Your PLRB Resources   Adjuster Resource Sheet on Home Sharing Issues for Property Adjusters - https://search.plrb.org/?dn=72175&src=gsa   Highlights of 2022 Revisions TO Section I ISO Homeowners Form - https://search.plrb.org/?dn=87749&src=gsa   Coverage Question on “Home Sharing Endorsement Would Not Apply Where Tenant Rented Garage For More Than 30 Days” - https://search.plrb.org/?dn=77494&src=gsa   Webinar on “Homeowners Liability Coverage: Current Trends” - https://www.plrb.org/distlearn/webinars/vplayer.cfm?vid=w0086   Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/container.cfm?conlink=sec/cq/default.cfm) at no additional charge to you or your company.   Subscribe to this Podcast   Your Podcast App - Please subscribe and rate us on your favorite podcast app   YouTube - Please like and subscribe at @plrb   LinkedIN - Please follow at “Property and Liability Resource Bureau”   Send us your Scenario!   Please reach out to us with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.   Legal Information   The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate.   Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0). https://thenounproject.com/icon/garage-6216862/ https://fontawesome.com/icons/bolt-lightning?f=classic&s=solid

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

Join us this month as we talk with author Denise S. Robbins who has a new book out called The Unmapping; the Washington Writers Publishing House co-president Caroline Bock and Jona Colson, who are celebrating WWPH's 50th anniversary; author Rion Amilcar Scott who reads from his book, The World Does Not Require You; and indie lit legend Brian Allen Carr, author of Bad Foundations, Opioid, Indiana, Short Bus, and others.  Denise S. Robbins is from Madison, Wisconsin, the city where she grew up and to which she returned after sixteen years of living and working in climate activism on the East Coast. In Madison, she lives with her husband in a yellow house circled by oaks and pines and two owls, and works as a consultant for several climate advocacy groups. She is a Pushcart Prize–nominated author whose stories have been published in literary journals including The Barcelona Review, Gulf Coast, and many more. Her debut novel, The Unmapping, was published in June 2025 from Mareas at Bindery Books. It is number 2 on People Magazine's top reads for the summer.  The Unmapping is on order at DCPL. You can place a hold for when it arrives.  Caroline Bock's short story collection, Carry Her Home, received the 2018 WWPH Fiction Prize. She is the author of two critically acclaimed young adult novels, LIE and Before My Eyes, from St. Martin's Press. In addition to her role as co-president, she is the prose editor at WWPH Writes, our bi-weekly literary journal, and the co-editor of our 2021 anthology This Is What America Looks Like Fiction and Poetry from D.C. Maryland, and Virginia. Her new novel, THE OTHER BEAUTIFUL PEOPLE. (Regal House Publishing) will be published on June 2, 2026.Jona Colson's poetry collection, Said Through Glass, won the 2018 Jean Feldman Poetry Prize from WWPH. He teaches English at Montgomery College. Notably, in addition to his role as co-president, he is the poetry editor of WWPH Writes, our bi-weekly literary journal, and the co-editor of This Is What America Looks Like: Poetry and Fiction from D.C., Maryland, and Virginia. He is also the translator for Aguas/Waters by Miguel Avero, our first work in translation, published in May 2024. Rion Amilcar Scott was born in Washington, D.C. and grew up in Silver Spring, Maryland. His parents are from Trinidad and came to the United States to study at Howard University. He graduated from George Mason University and teaches at The University of Maryland, College Park. His book Insurrections: Stories is available from DCPL2019:The World Doesn't Require You  is available from DCPL Brian Allen Carr is an Aspen Words Finalist and two time Wonderland Book Award winner.His books include Opioid, Indiana, Bad Foundations and several others.He is from Texas and lives in Indiana.His novel Sip is available through DCPL.His novel Opioid, Indiana is available through DCPL.*********************************************************************************************************************************************Credits Dream Pop by HoliznaCC0 is licensed under a CC0 1.0 Universal License.https://freemusicarchive.org/music/holiznacc0/only-in-the-milky-way-part-3/dream-pop/Dark Ambient Music (Death And Forever) by TheBoseDeity is licensed under the Attribution NonCommercial 3.0 License.https://freesound.org/people/TheBoseDeity/sounds/395691/ Java Pop by Spires That in the Sunset Rise is licensed under a Attribution-Noncommercial-Share Alike 3.0 United States License.https://freemusicarchive.org/music/Spires_That_in_the_Sunset_Rise/Curse_the_Traced_Bird/Java_Pop/ Washington, DC by The Nighttime Adventure Society is licensed under a Attribution-NonCommercial-ShareAlike 3.0 International License.https://freemusicarchive.org/music/The_Nighttime_Adventure_Society/Chapter_One_The_First_Chapter/The_Nighttime_Adventure_Society_-_Chapter_One-_The_First_Chapter_-_01_Washington_DC/ kalas by Uncle Milk is licensed under a CC0 1.0 Universal License.https://freemusicarchive.org/music/microSong_Challenge/2015021275957958/kalas_1886/ Function! by junior85 is licensed under a CC0 1.0 Universal License.https://freemusicarchive.org/music/microSong_Challenge/2015021275957958/junior85_-_07_-_Function/  Re-Function! by junior85 is licensed under a CC0 1.0 Universal License.https://freemusicarchive.org/music/microSong_Challenge/2015021275957958/junior85_-_08_-_Re-Function/ Tipping Point by Ellennerv is licensed under a CC0 1.0 Universal License.https://freemusicarchive.org/music/microSong_Challenge/2015021275957958/Tipping_Point/ Pasty Cline “I'm Gonna Walk Some Dog” is in the public domain and is an official record of the United States Army. Armed Forces Radio Service.  Arkansas Traveler by ecfike is licensed under a CC0 licensehttps://freesound.org/people/ecfike/sounds/135127/All audio comments are consented to by the The Labs Consent and Release form.  Chorale by Andrew Christopher Smith is licensed under a Attribution-Noncommercial-Share Alike 3.0 United States License.Orbiting A Distant Planet by Quantum Jazz is licensed under a Attribution-ShareAlike 3.0 International License.Palimpseste by Iliaque is licensed under a Attribution-NonCommercial-ShareAlike 4.0 International License.SOLO ACOUSTIC GUITAR by Jason Shaw is licensed under a Attribution 3.0 United States License.Times square 1700.m4a by olofguf is licensed under CC0. https://freesound.org/people/olofgud/sounds/639703/ 

Is a recycle bin a “vehicle”? Does a car antenna ripping a coat fall under the Vehicles peril? How about a poorly secured wedding dress in the backseat of a convertible? If you occasionally win a biking competition, does the loss of your bike trigger business property coverage? Join Mike, Tim, and Alissha for the lightning round and discuss bikes, eBikes, sleds, boats, and more.   Notable Timestamps   [ 00:15 ] - The insured is an avid cyclist who occasionally wins money from his hobby. Another cyclist cut him off and he crashed his bike into a tree while at a park, destroying the bike.   [ 01:13 ] - Mike & Alissha share personal stories, including a disastrous encounter with a parked car.   [ 03:47 ] - The bike itself is Coverage C Personal Property as there's an exclusion for motor vehicles, but not for vehicles.   [ 07:04 ] - There is a Named Peril for losses caused by vehicles. Courts interpret this broadly to mean anything from boats to sleds; rollerblades and recycle bins might be pushing it.   [ 09:22 ] - The force / weight / momentum of the vehicle must cause the loss. The team goes through a lightning quiz round exploring a variety of mini-scenarios on the vehicles peril.   [ 13:53 ] - Depreciation can be subtracted when the bike is replaced if it was paid under ACV.    [ 14:29 ] - Although the insured occasionally won money, that likely doesn't qualify it as a business.   [ 15:18 ] - eBikes present novel issues due to the motor vehicles exclusion, so PLRB has prepared detailed resources on this issue.   [ 17:12 ] - Tim provides a recap of the scenario and the points above.   Your PLRB Resources   Detailed annotation on Vehicles Peril - https://search.plrb.org/?dn=151&src=gsa   Legacy podcast on “The Coverage Contrarian: E-Bike Coverage Under a Homeowners Policy” - https://www.plrb.org/distlearn/podcasts/index.cfm?id=a0066   Coverage Question on “E-Bike Excluded Under "All Other Motorized Land Conveyances" Language” - https://search.plrb.org/?dn=74811&src=gsa   Adjuster Resource Sheet on “Analysis of Coverage for an E-Bike Accident under a Homeowners Policy” (includes a link to a 50-state compendium) - https://search.plrb.org/?DN=77489   Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/container.cfm?conlink=sec/cq/default.cfm) at no additional charge to you or your company.   Subscribe to this Podcast   Your Podcast App - Please subscribe and rate us on your favorite podcast app   YouTube - Please like and subscribe at @plrb   LinkedIN - Please follow at “Property and Liability Resource Bureau”   Send us your Scenario!   Please reach out to us with your scenario! This could be your “adjuster story” sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.   Legal Information   The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate.   Music: “Piece of Future” by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0). https://freesound.org/people/univ_lyon3/sounds/541432/ https://fontawesome.com/icons/bicycle?f=classic&s=solid  

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

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

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

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

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).

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