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Our podcast show being released today commemorates the one-year anniversary of the U.S. Supreme Court's opinion in Loper Bright Enterprises - the opinion in which the Court overturned the Chevron Deference Doctrine. The Chevron Deference Doctrine stems from the Supreme Court's 1984 decision in Chevron v. Natural Resources Defense Council. The decision basically held that if federal legislation is ambiguous the courts must defer to the regulatory agency's interpretation if the regulation is reasonable. My primary goal was to identify a person who would be universally considered one of the country's leading experts on administrative law and, specifically the Chevron Deference Doctrine and how the courts have applied the Roper opinion. I was very fortunate to recruit Cary Coglianese, Edward B. Shils Professor of Law at Penn Law School and Director of the Penn Program on Regulation. In this episode we explore two of his recent and widely discussed papers, titled “Loper Bright's Disingenuity” and “The Great Unsettling: Administrative Governance After Loper Bright” Here are the questions that we discussed with Professor Coglianese: Let's start at the beginning. What is the Chevron case all about? How did the Court in Loper Bright explain why it was overruling Chevron? You have a new article coming out later this year in the University of Pennsylvania Law Review called “Loper Bright's Disingenuity,” co-authored with David Froomkin of the University of Houston. What do you and Professor Froomkin mean by the title of your article? In your article, you critique what you call the Court's “facile formalism.” What do you mean by that? You also criticize the way the Court based its decision in Loper Bright on the Administrative Procedure Act or APA. What exactly was problematic about the Court's APA analysis? Let's shift gears from your analysis of the logic of the Loper Bright opinion to talk about what the decision's effects have been so far and what its effects ultimately might be on the future of administrative government in the United States. You have another article on Loper Bright that was recently published in the Administrative Law Review and coauthored with Dan Walters of Texas A&M Law School. It has another provocative title: “The Great Unsettling: Administrative Governance After Loper Bright.” What do you mean by the “Great Unsettling”? Although you say that it is hard to predict exactly what impact Loper Bright will have on the future of administrative government, you also acknowledge that the decision has created a “symbolic shock” and is likely to “punctuate the equilibrium of the administrative governance game as we have come to know it.” Can we see any effects so far in terms of how Loper Bright is affecting court decisions? For example, let's start with the Supreme Court itself. Has it had anything more to say about Loper Bright in decisions it's handed down this past year? If we look at the lower courts, what can we discern about how Loper Bright has been received in federal district courts or courts of appeals? Are there any trends that can be observed? I'd like to bring things full circle by raising a metaphor you and Professor Walters use in your article, “The Great Unsettling.” You say there that the Loper Bright “decision might best be thought of as something of a Rorschach test inside a crystal ball.” What do you mean? Can you tell us what you see inside your crystal ball? Alan Kaplinsky, the founder and former chair and now Senior Counsel of the Consumer Financial Services Group hosted the podcast show.
20 Prozent weniger Lohn für die gleiche Arbeit: Das war für die Beschäftigten der Charité Facility Management (CFM) - einer Tochterfirma des berühmten Berliner Krankenhauses Charité - seit 2005 bittere Realität. Vor 20 Jahren entschied der Berliner Senat, die Dienstleistungen der CFM Mitarbeiter:innen outzusourcen und so Geld einzusparen - auf Kosten der Beschäftigten. Seitdem kämpfen sie gegen Lohndumping und für eine faire Bezahlung. Immer wieder versprach der Senat die Eingruppierung in den allgemeinen Tarifvertrag, immer wieder wurden die Beschäftigten enttäuscht. Damit sollte jetzt endlich Schluss sein: in den letzten zwei Monaten streikten sie an 48 Tagen. Mehrfach wurden die Verhandlungen ohne Ergebnis abgebrochen. Doch statt aufzugeben, kämpften die Angestellten der CFM weiter und erhöhten den Organisierungsgrad auf über 50 Prozent. Dann kam der Durchbruch: Bis 2030 sollen die Kolleg:innen schrittweise in den Tarif des öffentlichen Dienstes eingegliedert werden. Im Podcast sprechen Vida und Tobi aus der Belegschaft über ihre Erfahrungen im Arbeitskampf und erklären, wie sie sich die Gewerkschaft durch Organizing-Methoden wieder angeeignet haben. Lena vom "Bündnis Gesundheit statt Profite" berichtet, warum es Öffentlichkeit brauchte, um dem Streik politisches Gewicht zu verleihen und wie das Bündnis die Streikenden unterstützt hat. Hört rein!
Après son élimination expéditive au premier tour de l’Omnium BN de Montréal, Leylah-Annie Fernandez ne s’est pas retenue pour se plaindre de l’organisation, affirmant qu’on serait revenu sur des promesses déjà établies, concernant l’heure de son match. Fernandez, qui vient de remporter son premier titre en carrière, affirme aussi que des hauts placés de la WTA auraient manqué de respect à son entraîneur. Valérie Tétreault, ancienne joueuse de tennis professionnelle canadienne et directrice de l’Omnium Banque Nationale, explique qu’elle a dû se plier aux demandes de la WTA et avance qu’à ses yeux, le match le plus important de la journée n’était pas celui de Coco Gauff, mais bien celui de Leylah Fernandez! Le défenseur américain Jayden Struble a signé hier une prolongation de contrat de deux ans, d’une valeur de 2,83 millions de dollars. Les deux clans évitent donc la séance d’arbitrage de Struble qui aurait dû débuter le 3 août prochain. Pourtant, une certaine controverse a émergé sur les réseaux sociaux, comme quoi Struble touche plus qu’Arber Xhekaj. Le journaliste de TVA Sports, Nicolas Cloutier, trouve cela complètement bidon! Cloutier explique entre autres que Struble a plus compris son rôle que Xhekaj, pour le moment. Il aborde aussi les récentes performances de Vincenz Rohrer et de Michael Hage. Alexandre Pratt a fait paraître un papier aujourd'hui un papier portant le titre suivant : Et si on se souvenait du meilleur d’Eugenie Bouchard ? Dans cet article, il se demande si les médias et partisans ne se souviennent pas trop du mauvais des athlètes, et pas assez du côté positif, du meilleur de l’athlète. Antoine Roussel, ancien joueur de la LNH et spécialiste hockey au Réseau Cogeco, vante l’article de Pratt, mais explique aussi que pour un sportif, ta plus grande critique, c’est le sportif lui-même. Un pro est un véritable battant et qu’il ne veut jamais abandonner. La pression vient encore plus des plus grands marchés, comme Montréal, Toronto ou encore New York. Quand il était à Vancouver, Roussel affirme s’être complètement déconnecté et était à 110% dans sa bulle, pour l’aider à mieux performer! En lever de rideau de la nouvelle compétition parallèle, la Coupe des Ligues, le CF Montréal a réussi à revenir de l’arrière et l’emporter aux tirs aux buts, devant le club mexicain Club Leon. Marque finale 2-1, 8-7 aux tirs aux buts. Aucun joueur du CFM n’a raté leur essai. Wandrille Lefèvre, ancien joueur de l'Impact de Montréal et expert soccer au réseau Cogeco, affirme que l’équipe a fait plus que bonne figure ce soir et méritait même la victoire en temps réglementaire. Rappelons que dans la Coupe des Ligues, une victoire à la normale rapporte 3 points et une victoire en surtemps, seulement deux. Pour Lefèvre, le CFM s’est présenté au Stade Saputo ce soir avec les crocs et beaucoup d’ambition! 1- Valérie Tétreault 2- Nicolas Cloutier 3- Antoine Roussel 4- Wandrille Lefèvre Voir https://www.cogecomedia.com/vie-privee pour notre politique de vie privée
27.07.25 am | Ian Ellershaw | What can we do when it all goes wrong? | Acts 15 v 36-41 by CFM
Le jeudi 24 juillet 2025 est une date qui restera gravée pendant encore longtemps dans la planète hockey, alors que la juge Maria Carroccia a acquitté les cinq anciens joueurs d’Hockey Canada, tous accusés d'avoir agressés sexuellement une jeune femme dans une chambre d'hôtel de London, en 2018. Pour démêler le tout, nous recevons le professeur de gestion et de droits à l'Université d'Ottawa, Gilles Levasseur. Ce dernier nous explique en détails les conclusions de cette affaire et vient surtout spécifier quelques points qui pourraient être mal interprétés par certaines personnes. Les Alouettes de Montréal étaient en déplacement jeudi soir pour affronter les puissants Stampeders de Calgary, qui n’avaient connu la défaite qu’une seule fois seulement cette saison. Comme si ce n’était pas assez, les moineaux étaient aussi privés des services de leur quart-arrière partant, Davis Alexander, invaincu jusqu’à maintenant. Et même selon notre spécialiste football au Réseau Cogeco, Bruno Heppell, les Alouettes s’en allaient droit à l’abattage. Contre toute attente, Montréal a vaincu Calgary dans un match de fou, dicté par l’excellente performance du botteur des Alouettes, José Maltos Diaz. Les amateurs de lutte ont appris une triste nouvelle jeudi matin, alors que le média TMZ a rapporté que la star planétaire, Hulk Hogan, s’était éteint, à l’âge de 71 ans, en Floride. Bien que sa réputation ait été ternie dans les dernières années après quelques commentaires jugés «racistes et déplacés», Hogan a définitivement changé à tout jamais la WWE, selon le co-animateur de la lutte WWE sur Netflix, Pat Laprade, qui se souvient d’Hogan comme un véritable surhomme. Laprade se remémore d’ailleurs le fameux combat opposant Hulk Hogan à Jacques Rougeau, et qui s’était soldé par une victoire du québécois. Le CF Montréal était de passage en Nouvelle-Angleterre pour y affronter le Revolution et voulait surtout commencer l’ère «reconstruction» avec une inspirante performance. Chose dite, chose faite, alors que l’équipe de Marco Donadel a vaincu le Revolution par la marque de 3-1. Olger Escobar a d’ailleurs marqué son premier but avec le CFM contre son ancien club. L’ancien joueur de l'Impact de Montréal et expert soccer au réseau Cogeco, Wandrille Lefèvre, s’est réjouit de l’annonce du club et de la forme, surtout, de celle-ci. Il rappelle qu’il faut preuve de beaucoup d’humilité pour sortir sur la place publique et s’adresser de la sorte à ses partisans. Lefèvre revient aussi sur le premier gain du CFM depuis presque un mois. Voir https://www.cogecomedia.com/vie-privee pour notre politique de vie privée
20.07.25 am | Cristi Murgu | Mark 1 v 35-39 by CFM
No matter how hard you study, on exam day, nerves kick in, you worry about time, and one tough question can throw you off. But what if you had a test-taking plan to avoid all of that?
20 Prozent weniger Lohn für die gleiche Arbeit: Das war für die Beschäftigten der Charité Facility Management (CFM) - einer Tochterfirma des berühmten Berliner Krankenhauses Charité - seit 2005 bittere Realität. Vor 20 Jahren entschied der Berliner Senat, die Dienstleistungen der CFM Mitarbeiter:innen outzusourcen und so Geld einzusparen - auf Kosten der Beschäftigten. Seitdem kämpfen sie gegen Lohndumping und für eine faire Bezahlung. Immer wieder versprach der Senat die Eingruppierung in den allgemeinen Tarifvertrag, immer wieder wurden die Beschäftigten enttäuscht. Damit sollte jetzt endlich Schluss sein: in den letzten zwei Monaten streikten sie an 48 Tagen. Mehrfach wurden die Verhandlungen ohne Ergebnis abgebrochen. Doch statt aufzugeben, kämpften die Angestellten der CFM weiter und erhöhten den Organisierungsgrad auf über 50 Prozent. Dann kam der Durchbruch: Bis 2030 sollen die Kolleg:innen schrittweise in den Tarif des öffentlichen Dienstes eingegliedert werden. Im Podcast sprechen Vida und Tobi aus der Belegschaft über ihre Erfahrungen im Arbeitskampf und erklären, wie sie sich die Gewerkschaft durch Organizing-Methoden wieder angeeignet haben. Lena vom "Bündnis Gesundheit statt Profite" berichtet, warum es Öffentlichkeit brauchte, um dem Streik politisches Gewicht zu verleihen und wie das Bündnis die Streikenden unterstützt hat. Hört rein!
06.07.25 am | Marcus Mosey | Breakfast with Jesus | John 21 v 1-14 by CFM
29.06.25 am | Cristi Murgu | Acts 8 v 26-38 by CFM
22.06.25 am | Allan Ellershaw | Titus 2 by CFM
In this episode of Member Spotlight on FinPod, UK-based finance professional Judith Singh, FCCA, CFM, FMVA, shares her inspiring path to success without a university degree. From passing all her ACCA exams by age 20 to mastering project accounting, budgeting, and financial modeling, Judith reveals how curiosity, resilience, and lifelong learning fueled her growth in the finance industry.This conversation is packed with practical insights for aspiring accountants, career changers, and hands-on finance professionals navigating nontraditional career paths. Judith explains how she leveraged certifications like FMVA, CFM, and BIDA to develop real-world skills and how she built confidence and communication strength by solving complex challenges early in her career.
In this short podcast episode, Bryan walks through some common thermostatic expansion valve (TXV) troubleshooting scenarios. Many of the same principles apply to troubleshooting electronic expansion valves (EEVs). These dynamic metering devices maintain a constant superheat. Troubleshooting does NOT start and end with the TXV. First, you need to inspect components (especially filters, ductwork, and filter-driers) and confirm the airflow and charge. You can use measureQuick to monitor superheat, subcooling, static pressure, and other key measurements, and the TrueFlow grid can give you a true idea of the CFM your system is moving. Keep in mind that superheat and subcooling values can vary by system. Airflow problems and filter-drier restrictions may mimic failed TXV conditions. Ideally, the liquid line filter-drier will be located indoors, and you can check for a pressure drop across it by looking for temperature differentials. You need a full column of liquid going into the filter-drier, and you can use a thermal imaging camera to see the desuperheating, condensing, and subcooling phases inside the condenser coil. The TXV has a bulb that can be loose, improperly mounted, or improperly insulated; when there is an issue with the bulb, there will likely be low superheat. The bulb should be on a clean and [ideally] horizontal portion of the suction line, and it should be strapped with copper or stainless steel straps. Insulating the bulb is especially important when it's externally located and when low superheat or flood back is a concern. Have a question that you want us to answer on the podcast? Submit your questions at https://www.speakpipe.com/hvacschool. Purchase your tickets or learn more about the 6th Annual HVACR Training Symposium at https://hvacrschool.com/symposium. Subscribe to our podcast on your iPhone or Android. Subscribe to our YouTube channel. Check out our handy calculators here or on the HVAC School Mobile App for Apple and Android
08.06.25 am | Cristi Murgu | Unforgettable Experience | Acts 2 v 1-41 by CFM
John Freer is a CFM local news reporter from the Coromandel Peninsula.
We're back with episode 148 of the Truth About Vintage Amps: Jason survives a month in Peru; the schematics of acupuncture; speaker break-in; and more! Our sponsors: Amplified Parts; Grez Guitars; Better Help, and Emerald City Guitars Topics discussed: :00 Jason goes to Peru, Skip gets the new Fretboard Journal 11:20 What's on Skip's Bench: A roasted Tweed Harvard 13:18 Spotted on eBay: Packard Bell teaching tool / working schematic 16:13 A 1952 Champion 600 with a 1952 Telecaster 18:54 Skip doesn't hang out with Jack White 24:22: Our sponsors: Check out this groovy Showman at Emerald City Guitars! 31:33 Barry & The Remains; what should I do with this Bell 2122C integrated mono tube amp? slow-cooker chicken breasts with salsa; Radio Shack Minimus 7 speakers 41:40 Congrats to listener Marcus, Master of Public Health from Harvard! 42:44 Non-polarized electrolytics 45:58 Alternatives to 6V6s 47:50 Acupuncture point charts vs tube amp schematics 51:01 Deciding on a good speaker; mir a poux 1:03:05 Modding a Harmony 420 1:08:00 DIY cooling fan tips Mouser part numbers: Mouser #490-CFM-4010-13-22, FAN AXIAL 40X10.6MM 12VDC; Mouser #576-01500322H, Fuse Holder ACS INLINE FUSE HOLDER; Mouser #709-APV8-12, Meanwell 8W, 12V, 0.67A power supply 1:11:32 What should I plug a Fender Bass VI into? 1:14:22 Getting a good tone out of a master volume Silverface Fenders? Hal's Grub Steak BBQ sauce? 1:20:16 Pedal steel through JBL D130Fs, breaking-in speakers 1:25:46 Replacing the red module in a 1969 Standel solid state amp; vinegar, syrup and seltzer shooters 1:31:19 Movie recommendation: Steven Spielberg's 1971 film ‘Duel' Recorded May 30, 2025. Want amp tech Skip Simmons' advice on your DIY guitar amp projects? Join us by sending your voice memo or written questions to podcast@fretboardjournal.com! Include a photo, too. Hosted by amp tech Skip Simmons and co-hosted/produced by Jason Verlinde of the Fretboard Journal. Don't forget, we have a Patreon page. Support the show, get behind-the-scenes updates and get to the front of the line with your questions.
01.06.25 am | Michael Ellershaw | Luke 15 v 1, 2, 11-32 by CFM
In this episode I speak to James Griffiths, General Manager of Flywheel Alternative Data, a provider of e-commerce data.In our conversation, James and I talk about the advantages and challenges of creating an alternative data provider from within a large established corporation, Flywheel's development through time and changes in the alternative data space overall.Separately, I will be in Hong Kong during the first week of June, so any interesting data providers there please do reach out. Also check out my appearance on the JP Morgan Making Sense podcast if you're interested in hearing about my role at CFM and more of my views on alt data.DISCLAIMERThis podcast is an edited recording of an interview with James Griffiths recorded in May 2025. The views and opinions expressed in this interview are those of James Griffiths and Mark Fleming-Williams and do not necessarily reflect the official policy or position of either CFM or any of its affiliates. The information provided herein is general information only and does not constitute investment or other advice. Any statements regarding market events, future events or other similar statements constitute only subjective views, are based upon expectations or beliefs, involve inherent risks and uncertainties and should therefore not be relied on. Future evidence and actual results could differ materially from those set forth, contemplated by or underlying these statements. In light of these risks and uncertainties, there can be no assurance that these statements are or will prove to be accurate or complete in any way. Hosted on Acast. See acast.com/privacy for more information.
25.05.25 am | Cristi Murgu | Brand New Discernment | Mat 7 v 15-23 by CFM
Analyzing alternative data can be complex and challenging – but it can also be highly rewarding. In this episode, Mark Fleming-Williams, head of Data Sourcing at CFM and creator of “The Alternative Data Podcast,” speaks with Eloise Goulder, head of the Data Assets & Alpha Group at J.P. Morgan. They discuss the value of alt data, how the viability of a data set is assessed and what AI and LLMs mean for the future of the industry. Shownotes: https://www.cfm.com/ https://podcasts.apple.com/us/podcast/the-alternative-data-podcast/id1539909575 This episode was recorded on April 29, 2025. The views expressed in this podcast may not necessarily reflect the views of J.P. Morgan Chase & Co and its affiliates (together “J.P. Morgan”), they are not the product of J.P. Morgan's Research Department and do not constitute a recommendation, advice, or an offer or a solicitation to buy or sell any security or financial instrument. This podcast is intended for institutional and professional investors only and is not intended for retail investor use, it is provided for information purposes only. Referenced products and services in this podcast may not be suitable for you and may not be available in all jurisdictions. J.P. Morgan may make markets and trade as principal in securities and other asset classes and financial products that may have been discussed. For additional disclaimers and regulatory disclosures, please visit: www.jpmorgan.com/disclosures/salesandtradingdisclaimer. For the avoidance of doubt, opinions expressed by any external speakers are the personal views of those speakers and do not represent the views of J.P. Morgan. © 2025 JPMorgan Chase & Company. All rights reserved.
Governo proíbe comercialização de duas marcas de azeite; veja quais. Decepção com vida no exterior levou juiz a criar nome falso, diz laudo psiquiátrico da defesa. CFM muda regras e amplia recomendação para cirurgia bariátrica; veja o que mudou. Em live às 15h, secretária do MEC vai tirar dúvidas sobre regras do EAD.
Banca Europeană de Investiții (BEI) și grupul bancar francez BPCE, al doilea ca mărime din Hexagon, au semnat un acord de împrumut în valoare de 200 de milioane de euro pentru întreprinderile mici și mijlocii din sectorul agricol și al bioeconomiei franceze. Aceasta este prima operațiune pe care BEI o semnează în Franța, ca parte a pachetului de 3 miliarde de euro aprobat în 2024 pentru a sprijini întreprinderile europene din sectorul agricol. Împrumuturile vor fi direcționate în special către tinerii fermieri și vor susține modernizarea fermelor și investițiile în tehnologii durabile, informează BEI. Cea mai mare parte a fondurilor va fi alocată regiunilor eligibile pentru programele europene de coeziune și tranziție. 30% din sumă va merge către finanțarea investițiilor în sisteme de irigații eficiente din punct de vedere energetic, instalarea de panouri solare, utilaje cu emisii scăzute de carbon, regenerarea solului și managementul durabil al resurselor.Avertisment FAO: febra aftoasă, o amenințare la adresa securității alimentare globale și a comerțului liberVirusul febrei aftoase continuă să circule în diferite zone ale lumii, iar recentele focare din Europa și din Orientul Mijlociu indică faptul că boala rămâne o amenințare pentru securitatea alimentară globală și pentru comerțul liber, avertizează Organizaţia Naţiunilor Unite pentru Alimentaţie şi Agricultură (FAO).Agenția recomandă guvernelor vigilență și măsuri de biosecuritate și de sensibilizare în rândul fermierilor și comunităților pentru a proteja animalele.Îngrijorările cresc în contextul în care Europa se confruntă cu cea mai mare epidemie de boală de la începutul acestui secol, iar, recent, în Orientul Mijlociu – în Bahrain, Irak și Kuweit, cu potențial de răspândire către alte țări din regiune – a fost depistată o tulpină a virusului neobișnuită pentru această zonă, probabil provenită din Africa de Est.În Europa, Germania a reușit să controleze un focar în ianuarie, dar noi cazuri, care au apărut ulterior în Ungaria și Slovacia, persistă. Ca măsură de precauție, Marea Britanie a interzis importurile de carne și produse lactate din țările europene afectate, inclusiv din Austria, din cauza prezenței virusului în vecinătatea granițelor sale.Planul Comisiei: simplificare și flexibilitate în implementarea unor standarde de mediuComisia Europeană vizează alocarea de fonduri mai mari pentru fermierii afectați de dezastre naturale, slăbind în același timp regulile ecologice menite să protejeze mediul. Aceasta este concluzia publicației Politico, după consultarea pachetului de măsuri propus de Comisie pentru simplificarea agriculturii în blocul comunitar.Propunerile, ce urmează să fie publicate în data de 14 mai, ar reduce și mai mult controalele asupra plății fondurilor politicii agricole comune, ar scuti micii agricultori de verificările privind eco-condiționalitățile și ar crește plafonul de subvenții adresat acestora. De asemenea, proiectul propune mai multă flexibilitate în implementarea unor standarde ecologice.Noile măsuri vin în completarea celor luate anul trecut, când mai multe cerințe de mediu au fost relaxate sau eliminate în urma protestelor fermierilor europeni.Gest de susținere a creșterii bugetului PAC în Parlamentul EuropeanReprezentanții sectorului agricol solicită majorarea fondurilor destinate agriculturii în viitorul cadru financiar multianual (CFM), o revendicare care beneficiază de sprijin în Parlamentul European. Totuși, acest obiectiv nu va fi ușor de atins, potrivit Euractiv.Săptămâna trecută, cu 317 voturi pentru, 206 împotrivă și 123 abțineri, eurodeputații au adoptat o rezoluție în care și-au prezentat viziunea și solicitările privind bugetul Uniunii Europene pentru perioada 2028-2034, în încercarea de a influența propunerea legislativă a Comisiei programată să fie anunțată la jumătatea lunii iulie.„Bugetul PAC trebuie să fie majorat în următorul cadru multianual și să fie indexat anual în funcție de inflație”, se arată în documentul de poziție al Parlamentului European. Eurodeputații resping ideea integrării PAC într-un fond unic pentru fiecare stat membru și solicită explorarea unor surse de finanțare suplimentare, pentru a răspunde provocărilor de mediu, geopolitice și economice cu care se confruntă fermierii europeni. Cu toate acestea, comisarul european pentru agricultură, Christophe Hansen, a încercat în mod repetat să tempereze așteptările europarlamentarilor cu privire la subvențiile agricole sporite.Europa, sub presiunea vremiiCentrul Comun de Cercetare al Comisiei Europene avertizează în cel mai recent raport al său că precipitațiile reduse și temperaturile peste medie afectează zone extinse din nordul Europei și părți din Alpii Occidentali, reducând debitele râurilor și rezervele de apă din sol.Previziunile pentru perioada aprilie – iunie 2025 anunță condiții mai uscate decât media în nordul și vestul Europei, inclusiv în Regatul Unit și Irlanda. În schimb, se așteaptă o vreme mai umedă decât media în Peninsula Iberică, centrul Italiei, estul Alpilor și Grecia.Temperaturile mărilor și oceanelor continuă să fie neobișnuit de ridicate, favorizând riscul apariției furtunilor, ploilor torențiale și inundațiilor extreme.
Bryan from HVAC School interviews JD Kelly, known as "student of HVAC" on Instagram, about Delta T measurements in HVAC systems. This episode dives into the fundamentals of Delta T, common misconceptions, and proper measurement techniques. JD explains that Delta T is simply a temperature difference between two points of the same medium, which is often misunderstood in the industry. Many technicians are taught to measure between return grills and supply registers, but this approach can lead to inaccurate readings due to external factors like duct leakage or heat gain from attics. The proper measurement should be taken directly at the equipment to evaluate how the evaporator coil is performing. Humidity plays a significant role in Delta T measurements, which JD discovered when researching the fundamentals. Bryan elaborates on this point, explaining that in high-humidity environments (like Florida), more energy goes toward removing moisture (latent heat) rather than cooling the air (sensible heat), resulting in lower Delta T readings. This is why a newly repaired unit in a humid house might initially show lower readings but improve as the home dries out. The discussion highlights why the common "20-degree Delta T" rule of thumb isn't universally applicable and requires context. Key Topics Covered: Definition of Delta T: Temperature difference between two points of the same medium Difference between Delta T and TD (temperature difference) Proper probe placement for accurate Delta T readings Impact of humidity on Delta T measurements How regional differences affect expected Delta T values Relationship between CFM (airflow) per ton and Delta T readings Common mistakes: Adjusting equipment based solely on Delta T readings Challenges of applying Delta T in heat pump heating mode How temperature dead spots can affect readings Why Delta T readings must be considered alongside other diagnostic tests The danger of making unnecessary adjustments to HVAC systems Why high Delta T isn't always good and low Delta T isn't always bad JD's Delta T tech tip: https://hvacrschool.com/solving-delta-t/ Have a question that you want us to answer on the podcast? Submit your questions at https://www.speakpipe.com/hvacschool. Purchase your tickets or learn more about the 6th Annual HVACR Training Symposium at https://hvacrschool.com/symposium. Subscribe to our podcast on your iPhone or Android. Subscribe to our YouTube channel. Check out our handy calculators here or on the HVAC School Mobile App for Apple and Android
In this episode I speak to Ben Cohen, former Global Head of Data Strategy at WorldQuant and now on gardening leave before his next opportunity.In our conversation, Ben and I talk about the data sourcing role, how it has changed, who to hire for a team, how the data world is changing and the impact of AI.Separately, I will be interviewing Abraham Thomas on stage for Neudata next week in New York, which I am thoroughly looking forward to.DISCLAIMERThis podcast is an edited recording of an interview with Ben Cohen recorded in May 2025. The views and opinions expressed in this interview are those of Ben Cohen and Mark Fleming-Williams and do not necessarily reflect the official policy or position of either CFM or any of its affiliates. The information provided herein is general information only and does not constitute investment or other advice. Any statements regarding market events, future events or other similar statements constitute only subjective views, are based upon expectations or beliefs, involve inherent risks and uncertainties and should therefore not be relied on. Future evidence and actual results could differ materially from those set forth, contemplated by or underlying these statements. In light of these risks and uncertainties, there can be no assurance that these statements are or will prove to be accurate or complete in any way. Hosted on Acast. See acast.com/privacy for more information.
O que as diretrizes e o CFM falam sobre abuso de esteróides anabolizantes? by Cardiopapers
CFM diz que médico que descumprir resolução sobre jovens trans vai ser punido. E ex-primeira-dama recebe salvo-conduto do Peru e chega ao Brasil como asilada.See omnystudio.com/listener for privacy information.
John Freer is a CFM local news reporter, from the Coromandel Peninsula
Hoje, recebo para uma baita conversa o Dr. Francisco Cardoso, candidato ao CFM pela chapa 2 em São Paulo, e o Dr. Luis Guilherme Santos, atual conselheiro do CFM e candidato pela chapa 4 no Rio de Janeiro. __________Siga o Dr. Francisco no Instagram: https://www.instagram.com/drfranciscocardoso79/ Siga o Dr. Luis Guilherme no Instagram: https://www.instagram.com/luisguilhermetsantos/ __________
John Mackay, CFM is Senior Director, Sales & Business Development and Lauren Ross, NCIDQ, LEED AP is CAFM Manager at Aleto, Inc. where they are passionate about aligning the performance of people, process, and technology in the built environment. Mike Petrusky asks John and Lauren about how they work with clients to align workplace strategies with the specific needs of an organization's workforce and the role of technology in tracking space utilization and occupancy. They explore the value of data in making informed decisions about space management and utilization and agree there is a need for open communication and flexibility in adopting industry best practices tailored to specific client needs. Lauren shares the power of IWMS (Integrated Workplace Management Systems) in consolidating information and improving efficiency and John encourages facility managers to develop strong interpersonal skills to enable collaboration and project success. Tune in for the insights and inspiration that you need to be a Workplace Innovator in your organization! Connect with John on LinkedIn: https://www.linkedin.com/in/johnmackaycfm/ Connect with Lauren on LinkedIn: https://www.linkedin.com/in/lauren-ross-b25a5a232/ Learn more about Aleto, Inc.: https://aletosolutions.com/ Discover free resources and explore past interviews at: https://www.workplaceinnovator.com/ Learn more about Eptura™: https://eptura.com/ Connect with Mike on LinkedIn: https://www.linkedin.com/in/mikepetrusky/
In this episode of O&P Clinical Care Insiders: Industry Partners Edition, host Seth O'Brien, CP, FAAOP(D), speaks with Lindsay E. Ryback, director of lymphology & phlebology at Thuasne, and Lesleigh Sisson, CFo, CFm, vice president and general manager of O&P Insight. Recorded live at the 51st Academy Annual Meeting in Atlanta, the conversation explores lymphedema, a chronic condition caused by abnormal lymph fluid buildup. Lindsay and Lesleigh discuss treatment options, including Complete Decongestive Therapy and compression therapy, and break down the impact of the newly passed Lymphedema Treatment Act. They highlight the power of patient advocacy in shaping this legislation and what it means for coverage, reimbursement, and O&P practices looking to integrate lymphedema care. Lindsay also shares how Thuasne's products and resources support clinicians in delivering effective treatment. This episode is sponsored by Thuasne and O&P Insight Show notes The following links were mentioned during this podcast episode. Lymphedema Compression Treatment Items (from CMS.gov) Lymphedema Advocacy Group Lymphedema Compression Treatment Items: Implementation (from CMS.gov) O&P Clinical Care Insiders: Industry Partners Edition is produced by Association Briefings.
In this episode I speak to Richard Dudley, Senior Portfolio Manager at Railpen, the fifth largest pension fund in the UK.In our conversation, Richard and I talk about a lot of the unusual realities that come from being part of a ten person team managing £7bn systematically from within a pension fund.Separately, I will be on stage at Neudata in London this week, and look forward to seeing many familiar faces there.DISCLAIMERThis podcast is an edited recording of an interview with Richard Dudley recorded in March 2025. The views and opinions expressed in this interview are those of Richard Dudley and Mark Fleming-Williams and do not necessarily reflect the official policy or position of either CFM or any of its affiliates. The information provided herein is general information only and does not constitute investment or other advice. Any statements regarding market events, future events or other similar statements constitute only subjective views, are based upon expectations or beliefs, involve inherent risks and uncertainties and should therefore not be relied on. Future evidence and actual results could differ materially from those set forth, contemplated by or underlying these statements. In light of these risks and uncertainties, there can be no assurance that these statements are or will prove to be accurate or complete in any way. Hosted on Acast. See acast.com/privacy for more information.
In this episode I speak to Tom Liu, Founder of Ideate Capital, an alternative data expert with many years experience working in both hedge funds and private equity.In our conversation, Tom and I talk around various types of alternative data and their use cases, before digging into the corporate sector's growing relationship with external data and AI, and the outlook for the future.Separately, I will be on stage at Neudata in London this month, and look forward to seeing many familiar faces there.DISCLAIMERThis podcast is an edited recording of an interview with Tom Liu recorded in March 2025. The views and opinions expressed in this interview are those of Tom Liu and Mark Fleming-Williams and do not necessarily reflect the official policy or position of either CFM or any of its affiliates. The information provided herein is general information only and does not constitute investment or other advice. Any statements regarding market events, future events or other similar statements constitute only subjective views, are based upon expectations or beliefs, involve inherent risks and uncertainties and should therefore not be relied on. Future evidence and actual results could differ materially from those set forth, contemplated by or underlying these statements. In light of these risks and uncertainties, there can be no assurance that these statements are or will prove to be accurate or complete in any way. Hosted on Acast. See acast.com/privacy for more information.
John discusses the latest events in the Coromandel Peninsula including the 25th anniversary of the Beach Hop, the Kubota Billfish Classic, the council's latest options for coastal protection, and a new environmental and marine education centre has been opened by Hillary Outdoors. John Freer is a CFM local news reporter and former Mayoral Candidate for the Thames Coromandel District Council.
This episode has three chapters. Each one answers a key question, and, bottom line, it all adds up to action steps directly and indirectly for many, including plan sponsors probably, community leaders, and also hospital boards of directors. Here's the three chapters in sum. For a full transcript of this episode, click here. If you enjoy this podcast, be sure to subscribe to the free weekly newsletter to be a member of the Relentless Tribe. Chapter 1: Are commercial insurance premiums rising faster than the inflation rate? And if so, is the employee portion of those premiums also rising, meaning a double whammy for employees' paychecks (ie, premium costs are getting bigger and bigger in an absolute sense, and also employees' relative share of those bigger costs is also bigger)? Spoiler alert: yes and yes. Chapter 2: What is the biggest reason for these premium increases? Like, if you look at the drivers of cost that underpin those rising premiums, what costs a lot that is making these premiums cost a lot? Spoiler alert: It's hospitals and the price increases at hospitals. And just in case anyone is wondering, this isn't, “Oh, chargemasters went up” or some kind of other tangential factor. We're talking about the revenue that hospitals are taking on services delivered has gone up and gone up way higher than the inflation rate. In fact, hospital costs have gone up over double the amount that premiums have gone up. Wait, what? That's a fact that Dr. Vivian Ho said today that threw my brain for a loop: Hospital costs have gone up over double the amount that premiums have gone up. Chapter 3: Is the reason that hospital prices have rocketed up as they have because the underlying costs these hospitals face are also going up way higher than the inflation rate? Like, for example, are nurses' salaries skyrocketing and doctors are getting paid a lot more than the inflation rate? Stuff like this. Too many eggs in the cafeteria. Way more charity care. Bottom line, is an increase in underlying costs the reason for rising hospital prices? Spoiler alert: no. No to all of the above. And I get into this deeply with Dr. Vivian Ho today. But before I do, I do just want to state with three underlines not all hospitals are the same. But yeah, you have many major consolidated hospitals crying about their, you know, “razor-thin margins” who are, it turns out, incentivizing their C-suites to do things that ultimately wind up raising prices. I saw a PowerPoint flying around—you may have seen it, too—that was apparently presented by a nonprofit hospital at JP Morgan, and it showed this nonprofit hospital with a 15.1% EBITDA (earnings before interest, taxes, depreciation, and amortization) in 2024. Not razor thin in my book. It's a, the boards of directors are structuring C-suite incentives in ways that ultimately will raise prices. If you want to dig in a little deeper on hospital boards and what they may be up to, listen to the show with Suhas Gondi, MD, MBA (EP404). Vivian Ho, PhD, my guest today, is a professor and faculty member at Rice University and Baylor College of Medicine. Her most major role these days is working on health policy at Baker Institute at Rice University. Her work there is at the national, state, and local levels conducting objective research that informs policymakers on how to improve healthcare. Today on the show, Professor Vivian Ho mentions research with Salpy Kanimian and Derek Jenkins, PhD. Alright, so just one quick sidebar before we get into the show. There is a lot going on with hospitals right now. So, before we kick in, let me just make one really important point. A hospital's contribution to medical research, like doing cancer clinical trials, is not the same as how a hospital serves or overcharges their community or makes decisions that increase or reduce their ability to improve the health and well-being of patients and members who wind up in or about the hospital. Huge, consolidated hospital networks can be doing great things that have great value and also, at the exact same time, kind of harmful things clinically and financially that negatively impact lots of Americans and doing all of that simultaneously. This is inarguable. Also mentioned in this episode are Rice University's Baker Institute for Public Policy; Baker Institute Center for Health Policy; Suhas Gondi, MD, MBA; Salpy Kanimian; Derek Jenkins, PhD; Byron Hugley; Michael Strain; Dave Chase; Zack Cooper, PhD; Houston Business Coalition on Health (HBCH); Marilyn Bartlett, CPA, CGMA, CMA, CFM; Cora Opsahl; Claire Brockbank; Shawn Gremminger; Autumn Yongchu; Erik Davis; Ge Bai, PhD, CPA; Community Health Choice; Mark Cuban; and Ferrin Williams, PharmD, MBA. For further reading, check out this LinkedIn post. You can learn more at Rice University's Center for Health Policy (LinkedIn) and Department of Economics and by following Vivian on LinkedIn. Vivian Ho, PhD, is the James A. Baker III Institute Chair in Health Economics, a professor in the Department of Economics at Rice University, a professor in the Department of Medicine at Baylor College of Medicine, and a nonresident senior scholar in the USC Schaeffer Center for Health Policy and Economics. Ho's research examines the effects of economic incentives and regulations on the quality and costs of health care. Her research is widely published in economics, medical, and health services research journals. Ho's research has been funded by the National Institutes of Health (NIH), the Agency for Healthcare Research and Quality, the American Cancer Society, and Arnold Ventures. Ho has served on the Board of Scientific Counselors for the National Center for Health Statistics, as well as on the NIH Health Services, Outcomes, and Delivery study section. She was elected as a member of the National Academy of Medicine in 2020. Ho is also a founding board member of the American Society for Health Economists and a member of the Community Advisory Board at Blue Cross Blue Shield of Texas. Ho received her AB in economics from Harvard University, a graduate diploma in economics from The Australian National University, and a PhD in economics from Stanford University. 05:12 Are insurance premiums going up? 05:59 What is the disparity between cost of insurance and wage increases? 06:21 LinkedIn post by Byron Hugley. 06:25 Article by Michael Strain. 06:46 How much have insurance premiums gone up for employers versus employees? 09:06 Chart showing the cost to insure populations of employees and families. 10:17 What is causing hospital prices and insurance premiums to go up so exponentially? 12:53 Article by (and tribute to) Uwe Reinhardt. 13:49 EP450 with Marilyn Bartlett, CPA, CGMA, CMA, CFM. 14:01 EP452 with Cora Opsahl. 14:03 EP453 with Claire Brockbank. 14:37 EP371 with Erik Davis and Autumn Yongchu. 15:28 Are razor-thin operating margins for hospitals causing these rising hospital prices? 16:56 Collaboration with Marilyn Bartlett and the NASHP Hospital Cost Tool. 19:47 What is the explanation that hospitals give for justifying these profits? 23:16 How do these hospital cost increases actually happen? 27:06 Study by Zack Cooper, PhD. 27:35 EP404 with Suhas Gondi, MD, MBA. 27:50 Who typically makes up a hospital board, and why do these motivations incentivize hospital price increases? 30:12 EP418 with Mark Cuban and Ferrin Williams, PharmD, MBA. 33:17 Why is it vital that change start at the board level? You can learn more at Rice University's Center for Health Policy (LinkedIn) and Department of Economics and by following Vivian on LinkedIn. Vivian Ho discusses #healthinsurance #premiums and #hospitalpricing on our #healthcarepodcast. #healthcare #podcast #changemanagement #healthcareleadership #healthcaretransformation #healthcareinnovation Recent past interviews: Click a guest's name for their latest RHV episode! Chris Crawford (EP465), Al Lewis, Betsy Seals, Wendell Potter (Encore! EP384), Dr Scott Conard, Stacey Richter (INBW42), Chris Crawford (EP461), Dr Rushika Fernandopulle, Bill Sarraille, Stacey Richter (INBW41)
In this short podcast episode, Bryan covers some common mistakes when measuring static pressure. Static pressure is balloon pressure, not CFM or velocity pressure, but it can be an airflow indicator. The best way to start learning about static pressure is to start measuring total external static pressure. Gas furnaces and heat pumps are different; static pressure is rated at the furnace in the former (not the cased coil, which is additional), and the static pressure includes the coil in a heat pump. The highest static pressure will always be at the blower, but restrictions on either side of the blower will raise static pressure on both sides of the blower. Dirty components can drop the total external static pressure, which is a common point of confusion that can lead to misdiagnosis. You'll want to determine static pressure at the blower and across components. If you want to determine if a cased evaporator coil is clogged, you can measure the static pressure drop across the coil (by measuring below and above the coil) and compare it to the manufacturer's specifications. Dirty blower wheels can also cause problems, as they don't move much air in the first place. Lower static pressure at the blower is the best for amp draw and airflow, and our system designs and accessories can support low static pressure. Dialing in airflow, putting your probes in the right positions when you measure static pressure, proper register and grille selection, and minimally restrictive filters all go a long way. Have a question that you want us to answer on the podcast? Submit your questions at https://www.speakpipe.com/hvacschool. Purchase your tickets or learn more about the 6th Annual HVACR Training Symposium at https://hvacrschool.com/symposium. Subscribe to our podcast on your iPhone or Android. Subscribe to our YouTube channel. Check out our handy calculators here or on the HVAC School Mobile App for Apple and Android
In this short podcast episode, Bryan talks about EER (Energy Efficiency Ratio) and SEER (Seasonal Energy Efficiency Ratio) and how to calculate EER in the field. EER and SEER are ratings that we often see on equipment (as are SEER2 and EER2) based on a ratio of an output to an input. Whereas coefficient of performance (COP) is a direct ratio of watts out to watts in, EER and SEER account for BTUs and watts. EER and SEER indicate the cooling capacity (in BTUs) we get from the watts we put in. The ratio changes based on field conditions, and EER2 and SEER2 have more realistic test conditions than EER and SEER (the static pressure for systems rated below 65,000 BTUs per hour was 0.1"wc for EER and SEER, and it is now 0.5"wc for EER2 and SEER2, which is much closer to average field conditions). To determine EER, you have to figure out BTU production and stack it against your wattage. You'll need to know your delta enthalpy (delta H), multiply it by the CFM, and then multiply the product of those by 4.5 to get your BTU output. A calculator on apps like measureQuick can help you find out your delta H, but you'll need a proper wet-bulb temperature before you can do that. You can determine CFM with a TrueFlow grid or manufacturer's blower charts. Finding watts can be a challenge with ECMs and inverter-driven systems; it's not as simple as volts x amps, and you will need a meter that can measure power factor and take readings from the condenser fan, compressor, and blower motor. That wattage becomes the number you divide into BTUs to get the EER. SEER is averaged over a season, HSPF is for heating instead of cooling, and you can convert the BTUs to watts (by multiplying by 3.41) and determine the ratio of watts out to watts in. Have a question that you want us to answer on the podcast? Submit your questions at https://www.speakpipe.com/hvacschool. Purchase your tickets or learn more about the 6th Annual HVACR Training Symposium at https://hvacrschool.com/symposium. Subscribe to our podcast on your iPhone or Android. Subscribe to our YouTube channel. Check out our handy calculators here or on the HVAC School Mobile App for Apple and Android
In this episode I speak to Mark Thompson who works in Primary Research for NBIM, the Norwegian sovereign wealth fund with $1.7tn under management.In our conversation, Mark and I discuss many of the unique challenges and opportunities that come with managing such a large amount of money, and the ways that the relatively lean team at NBIM ingest and use alternative data.DISCLAIMERThis podcast is an edited recording of an interview with Mark Thompson recorded in January 2025. The views and opinions expressed in this interview are those of Mark Thompson and Mark Fleming-Williams and do not necessarily reflect the official policy or position of either CFM or any of its affiliates. The information provided herein is general information only and does not constitute investment or other advice. Any statements regarding market events, future events or other similar statements constitute only subjective views, are based upon expectations or beliefs, involve inherent risks and uncertainties and should therefore not be relied on. Future evidence and actual results could differ materially from those set forth, contemplated by or underlying these statements. In light of these risks and uncertainties, there can be no assurance that these statements are or will prove to be accurate or complete in any way. Hosted on Acast. See acast.com/privacy for more information.
Asset Champion Podcast | Physical Asset Performance, Criticality, Reliability and Uptime
David Suter, CCM, CFM is President at CBSI in San Diego where he is a servant leader in construction, facilities, and move management. Mike Petrusky asks David about his journey in the world of facilities and construction management, his leadership philosophy and the value of his connections in the IFMA community. David believes in emphasizing the importance of personal growth and shares that people often overlook investing in a mentor or coach to become a better human being. He offers some practical advice for improving your mindset to thrive in today's fast-paced world. Mike and David also explore the potential of A.I. and app-based worktech solutions for improving efficiency and productivity in facilities management and real estate. They discuss the difference between change management and transition management, and the importance of focusing on the latter to ensure smooth transitions during changes in the built environment. Tune in as Mike and David share the inspiration you need to be an Asset Champion in your organization! Connect with David on LinkedIn: https://www.linkedin.com/in/davidsutercbsi/ Learn more about CBSI: https://cbsisandiego.com/ Learn more about Eptura™: https://eptura.com/ Discover free resources and explore past interviews at: https://eptura.com/discover-more/podcasts/asset-champion/ Connect with Mike on LinkedIn: https://www.linkedin.com/in/mikepetrusky/
Our podcast show today features John Culhane and Mike Kilgarriff, partners in Ballard Spahr's Consumer Financial Services group. They discuss what supervision and enforcement will look like under a new acting director/director appointed by President Trump. This episode is a repurposing of the second half of a webinar that was produced on January 6. On January 23, we released the first half of the webinar, which consisted of Alan Kaplinsky's “fireside chat” with Kathy Kraninger, the former Director of the CFPB during Trump 1.0., linked here. With respect to supervision, we consider, among others, the following issues with respect to the CFPB's leadership under Trump 2.0: (a) Will it be business as usual or more relaxed? (b) Will it focus on compliance with the Federal consumer financial services laws and less on UDAAP? (c) Will there be reduced staffing and fewer exams? (d) Will there be fewer PAAR letters and more use of MRAS and MRIAs? With respect to enforcement, we consider, among others, the following issues with respect to the CFPB's leadership under Trump 2.0: (a) Will there be an exhaustive review of all existing investigations and lawsuits and a dismissal of those which involve “regulation by enforcement” or “pushing the envelope”? (b) Will they focus more on fraud and scams and less on UDAAP? (c) What position will they take on whether the CFPB has been unlawfully funded because the Federal Reserve Banks have had no combined earnings since September 2022? Alan Kaplinsky, Senior Counsel and former chair for 25 years of the Consumer Financial Services Group, hosts the discussion.
Sean O'Neill, Director of Communications with Transport Infrastructure Ireland // Jonathan Hehir, Managing Director of CFM insurance group // Jean McCabe, CEO of Retail Excellence Ireland // Seamus O'Brien, head gardener at the National Botanic Gardens in Kilmacurragh, Co Wicklow // Thomas Duffy, dairy farmer in Cavan
Dean Stanberry, SFP, CFM is Immediate Past-Chair on the IFMA Global Board of Directors where he is passionate about applying his collective skills and experience toward advancing the FM profession. In early January, Mike Petrusky hosted Eptura's first webinar of 2025 where he asked Dean about the findings in a recently released report from IFMA titled "Gamechanger: A Facility Manager's Guide to Building a Relationship with AI”. Dean shared how artificial intelligence can automate repetitive tasks, augment human capabilities, and offset workforce shortages as we seek to care for the built environment. Mike and Dean explore specific ways that AI will impact FM, including areas like predictive maintenance, energy management, space utilization, fault detection and diagnostics. They offer practical insights and encourage you to learn more about how you can be a workplace innovator in your organization! Connect with Dean on LinkedIn: https://www.linkedin.com/in/deanstanberry/ Download the IFMA Gamechanger Report on AI in FM: https://ifma.foleon.com/research-reports/ai-in-fm/ Watch the full hour-long video with Mike and Dean: https://lp.eptura.com/webinar-workplace-registration-january-25.html Discover free resources and explore past interviews at: https://eptura.com/discover-more/podcasts/workplace-innovator/ Learn more about Eptura™: https://eptura.com/ Connect with Mike on LinkedIn: https://www.linkedin.com/in/mikepetrusky/
If you have zero clue what co-pay maximizers and/or co-pay accumulators are and the financial incentives involved for PBMs (pharmacy benefit managers) and plan sponsors here, after you're done listening to this episode, go back and listen to the show with Joey Dizenhouse (EP423). Also, the episode called “Game Theory Gone Wild” with Dea Belazi, PharmD, MPH (EP293). Both these shows could fill in some blanks. For a full transcript of this episode, click here. If you enjoy this podcast, be sure to subscribe to the free weekly newsletter to be a member of the Relentless Tribe. Here's the micro mini of the co-pay maximizer/accumulator deal. These are vehicles that are designed by vendors who are also sometimes called maximizers or sometimes they're also PBMs. But these programs are designed to get as much money out of Pharma as possible in the form of co-pay support. So, here's how the maximizers are supposed to maximize plan sponsors getting pharma money. Say, for some drug, the pharma company has, I don't know, $12,000 max in co-pay support available to patients in total per year. Pharma does always cap the dollars that are available for patients. So, in this hypothetical, $12k a year is available. What a forthright or well-run maximizer will do is figure out, you know, if there's $12k max available, then they'll set a co-pay—so there's variable co-pays for patients—so they'll set a patient co-pay of, like, $1000 a month, which adds up to $12k over 12 months of the year. Get it? Every single month, the patient has a $0 co-pay, but the plan maximizes the dollars that the plan gets. Or, you know, maybe they'll charge $1,025 a month so the patient has some small “skin in the game,” and the plan sponsor just banked $12k. Sounds great, right? Well, sure, when it works as promised … and we'll get to this in a moment. Accumulators, on the other hand, have no such “Hey, let's make sure the patient actually gets their meds” guardrails. They hear that the Pharma is offering $12k, and the accumulator vendor and their plan sponsor clients also are like, “Cool, let's get that money as fast as possible.” So, they make the co-pay for that drug, I don't know, like hypothetically $3000. Great, now the patient runs out of that co-pay money in May. And don't forget and/or let me inform you, for both maximizers and accumulators, dollars paid by the Pharma generally don't count to the plan deductible for the patient. So now, the patient walks into the pharmacy, if in an accumulator or in a poorly run maximizer program, they walk into the pharmacy in May and are told that if they want their drug, they're gonna need to pay the $3000 co-pay that was set out of pocket every month until they reach their deductible. With some of these co-pay maximizer/accumulator plans, the plan sponsor may be a little bit out of the loop relative to what is actually going on here. The plan sponsor may think that members are doing fine—you know, they're getting their drug every month—so they may be surprised to learn about this running out of money in May issue. And what is true more often than it's not true, this $3000 or whatever—hundreds or thousands of dollars—payment due co-pay, the patient learns about it at the pharmacy counter or while trying to get chemo. It comes as a complete surprise, the fact that they owe three grand or whatever. What patient just shrugs and pays up in that moment because they happen to have their entire deductible or thousands of dollars lying around and at the ready? What a shock to find this out at the pharmacy counter or at the infusion clinic. Some of these maximizer programs are also starting to veer back into accumulator zones, like they're doing things such as saying that the member must pay their out-of-pocket max or their deductible or 30% of the cost of the drug, right, like some number before the plan will allow the patient to use the co-pay reimbursement program to begin with. So, there's other things that are emerging right now, which, again, cause the patient to have a very, very large out of pocket in order for them to get a drug which they have been prescribed and—ostensibly, at least—need. Allegedly, and sometimes for sure, dollars raked in from Pharma make it across the PBM/maximizer, vendor, middleman trench all the way over to the plan sponsor. For sure, especially for the administrative only maximizer vendors … yeah, you're gonna have the dollars actually making it to the plan sponsor. But sometimes the vendor running these programs is paid spread, right? So, the more expensive the drug and the richer the co-pay card program, the more the vendor will make because they take a percentage of savings. So, the more expensive, the more savings, therefore, the more the vendor is gonna make. In these cases where the vendor is paid a spread, can I take Perverse Incentives for $600, Alex? Right? But in sum, again, there's a lot to this conversation with Bill Sarraille, so please do listen to the whole thing. Bill offers five main pieces of advice, so I'm just gonna cover them right here up front—spoiler alert, I guess, but just to keep them all in one place. 1. Look into what is going on with a maximizer and/or accumulator program. First of all, is the plan sponsor paying spread? And also, how are these programs being marketed to members and how aggressively? Because there are a lot of plan sponsors having way more negative impact than they suspect they are. So, that's point of advice #1: Really look into actually what is happening on the grounds with some of these programs. 2. Eliminate surprise. Any plan sponsor listening, and Brian Reid also says this very crisply in an episode a month or so ago (EP456). If a plan sponsor wants to do stuff like this—like force a patient to pay hundreds or thousands of dollars out of pocket—if at any point during the year they are gonna wind up with thousands of dollars in co-pay or coinsurance to get their Crohn's disease med or cancer med or whatever, be really up front about this at least. It's really important if we really want to make sure that patients are taking maintenance meds and getting the medications that they're prepared for the reality that, at a certain point during the year, they are going to have a really big bill. 3. There is legal risk here. So also, Bill's advice is check into whether accumulators and/or maximizers are unlawful under the ACA (Affordable Care Act) and/or by deceptive practices rules when maximizers or accumulators are teed up as a benefit. And it, again (reference point of advice #2), it's not explained that dollars they get from Pharma will be taken by the plan and not applied to the patient deductible. I was just reading about the crazy aggressive marketing tactics that some of these vendors are using to get members to sign up and … yeah, definitely look into deceptive practice rules. 4. If it's utilization management that we're trying to achieve here, then your utilization manager should be utilization managing. These maximizers are not meant to impact utilization management. Patients really cannot differentiate, as per study after study, it's very difficult for patients to differentiate high-value from low-value care or meds. So, pretty much the impact of having a patient with thousands or hundreds of dollars of out-of-pocket spend to get a med isn't going to be to ensure that the right people are taking the right med. Point is, use the right tool for the right job. So, if we're trying to keep patients away from low-value meds, the tool for that is utilization management. Also be aware, if the PBM says it cannot do utilization management or you'll lose your rebates and/or is pushing into a maximizer accumulator program to do this instead, that's kind of a clue that they cannot do it because they are taking money from Pharma to not have any restrictions on a drug. Read the article in the New York Times (you're welcome) about how PBMs took secret payments for the free flow of opioids, and Chris Crawford also talks about this sort of same-ish thing in an upcoming show relative to GLP-1s. But if you're trying to do utilization management, then do utilization management. 5. Use our understanding of this whole goings-on as a rationale or a way to tamp down perverse incentives. We want to wind up with patients getting charged a percentage of net prices, not a percentage of some wildly inflated list price with this whole accumulator maximizer contributing to, you know, just more wildly inflated list prices so the co-pay programs can be bigger and someone can make even more money off of the percentage of savings. And plan sponsors addicted to rebates now have another bucket of cash. Like, this is just another example of how perverse incentives pervade the system. And we should certainly be aware of that. Bill Sarraille was a healthcare attorney for many years. He retired from his law firm on the first of last year, and now he's doing the things he wanted to do before but couldn't because his billable rate was too high. Bill is teaching at the University of Maryland Law School and doing some regulatory consulting, etc. He's working with a variety of patient groups. Also mentioned in this episode are University of Maryland Francis King Carey School of Law; Joey Dizenhouse; Dea Belazi, PharmD, MPH; Brian Reid; Chris Crawford; Marilyn Bartlett; Scott Haas; Paul Holmes; and Tom Nash. You can learn more at University of Maryland Francis King Carey School of Law and by following Bill on LinkedIn. You can also sign up for his Substack. Bill Sarraille is a professor of practice at the University of Maryland Francis King Carey School of Law, a regulatory consultant, and a retired senior member of the Healthcare Practice group at Sidley Austin LLP. Bill is a nationally recognized expert in healthcare, life sciences, drugs, medical devices, and patient access to treatments. He is widely known for his expertise in a broad array of healthcare matters, including rare disease treatment access barriers, pharmaceutical pricing, Anti-Kickback Law compliance, the 340B program, and managed care and PBM issues. During his years practicing law, Bill was recognized repeatedly by The Best Lawyers in America in both healthcare law and administrative law. He was also consistently listed as a leader in the field of healthcare law in Chambers USA: America's Leading Lawyers for Business. Bill also serves as the general counsel of the charity the Pharmaceutical Coalition for Patient Access, as an advisor to multiple patient advocacy groups on patient access issues, a compliance advisor to a coinsurance patient assistance foundation, and as the director of a rare disease society and Kalderos, Inc., a health IT firm with a focus on effectuating pharmaceutical discounts and rebates. 09:31 What should plan sponsors be aware of right now? 14:01 What is the justification for maximizers, and why is this at odds with the purpose of insurance? 18:05 Where does the issue of “fairness” land within cost containment? 20:00 Brian Reid's LinkedIn post on insurance company access challenges. 21:30 What are the real legal issues presented by some of these co-pay maximizers and co-pay accumulator programs? 27:06 How are these programs creating perverse incentives? 29:28 EP450 with Marilyn Bartlett, CPA, CGMA, CMA, CFM. 32:16 “If you're covered by the ACA, I think this is unlawful.” 32:57 What advice does Bill have in regard to these programs? 33:49 What potential litigations does Bill see coming in the near future in regard to these co-pay maximizers and co-pay accumulator programs? 38:38 EP365 with Scott Haas. 38:45 EP397 with Paul Holmes. You can learn more at University of Maryland Francis King Carey School of Law and by following Bill on LinkedIn. You can also sign up for his Substack. @HCLAWComment discusses #costcontainment on our #healthcarepodcast. #healthcare #podcast #pharma #healthcareleadership #healthcaretransformation #healthcareinnovation Recent past interviews: Click a guest's name for their latest RHV episode! Stacey Richter (INBW41), Andreas Mang (Encore! EP419), Dr Komal Bajaj, Cynthia Fisher, Stacey Richter (INBW40), Mark Cuban and Ferrin Williams (Encore! EP418), Rob Andrews (Encore! EP415), Brian Reid, Dr Beau Raymond, Brendan Keeler
In this episode I speak to Tim Harrington, Founder and CEO at Battlefin, the alternative data discovery and events business that recently announced its acquisition of Exabel, the alternative data technology platform.In our conversation, Tim and I discuss the new acquisition, Battlefin's history, the future of alternative data events and what data seems to be most in demand right now.Wishing all listeners a very Happy Christmas and New Year.DISCLAIMERThis podcast is an edited recording of an interview with Tim Harrington recorded in December 2024. The views and opinions expressed in this interview are those of Tim Harrington and Mark Fleming-Williams and do not necessarily reflect the official policy or position of either CFM or any of its affiliates. The information provided herein is general information only and does not constitute investment or other advice. Any statements regarding market events, future events or other similar statements constitute only subjective views, are based upon expectations or beliefs, involve inherent risks and uncertainties and should therefore not be relied on. Future evidence and actual results could differ materially from those set forth, contemplated by or underlying these statements. In light of these risks and uncertainties, there can be no assurance that these statements are or will prove to be accurate or complete in any way. Hosted on Acast. See acast.com/privacy for more information.
This is the first ever live recorded episode, which took place at Neudata's Winter Summit in New York on December 5th.For the panel, I was fortunate to share the stage with Matei Zatreanu of System 2, Tjeerd van Capelle of aiLiftoff, Alexander Izydorczyk of CyberSyn and Kelly Kosciuszka of Schulte, Roth & Zabel, as we embarked on an attempt to predict the Future of Alternative Data in five years time.In our conversation we covered topics like innovation in datasets, the impact of LLMs, the new US administration's regulatory plans, consolidation in the space, the structure of hedge funds, and more.DISCLAIMERThis podcast is an edited recording of an interview with recorded in at the Neudata Winter Summit Event in December 2024. The views and opinions expressed in this interview are those of the event panelists and Mark Fleming-Williams and do not necessarily reflect the official policy or position of either CFM or any of its affiliates. The information provided herein is general information only and does not constitute investment or other advice. Any statements regarding market events, future events or other similar statements constitute only subjective views, are based upon expectations or beliefs, involve inherent risks and uncertainties and should therefore not be relied on. Future evidence and actual results could differ materially from those set forth, contemplated by or underlying these statements. In light of these risks and uncertainties, there can be no assurance that these statements are or will prove to be accurate or complete in any way. Hosted on Acast. See acast.com/privacy for more information.
Lyle D. Gladney, CFM, FMP, CPMM is a Facilities Professional with a demonstrated history of working in the mechanical, building technologies, and service industries. He is currently the Building Operations Director at Clairmont Oaks and a Past President of the IFMA Atlanta Chapter where he is known for a strong leader skilled in Budgeting, HVAC, and Operations Management. Mike Petrusky asks Lyle about his career journey, challenges facing the FM industry, and they discuss the tools and strategies needed to thrive in today's built environment. Join Mike and Lyle as they drive around Atlanta together! Connect with Lyle on LinkedIn: https://www.linkedin.com/in/lyledgladneycfm/ Learn more about IFMA: https://www.ifma.org/ Check out the “On My Way To Work” video series: https://www.youtube.com/playlist?list=PLSkmmkVFvM4E39sM-pNaGhLoG0dkM947o Discover free resources and explore past interviews at: https://eptura.com/discover-more/podcasts/workplace-innovator/ Learn more about Eptura™: https://eptura.com/ Connect with Mike on LinkedIn: https://www.linkedin.com/in/mikepetrusky/
Asset Champion Podcast | Physical Asset Performance, Criticality, Reliability and Uptime
Jason E. Callis, CFM, SFP, LSSGB is Director of Property Operations and Facilities at Conrad Indianapolis, a Past President of the IFMA Indianapolis Chapter, and he currently serves on the IFMA Global Board of Directors as Chair of the Government Affairs Committee where he is passionate about creating environments where organizations and people thrive. Mike Petrusky asks Jason about his career experiences and they discuss investing in facilities and understanding the consequences of increasing deferred maintenance. Jason believes that A.I. can help in decision making to reach our sustainability goals, but reminds us that it's important to understand the data it provides. The future role of facility managers will be influenced by the need to focus on deferred maintenance backlog and the quality of goods purchased during the pandemic and Jason shares how IFMA can provide valuable resources for your FM journey as you seek to be an Asset Champion in the future of the built environment! Connect with Jason on LinkedIn: https://www.linkedin.com/in/jason-e-callis-cfm-sfp-lssgb-63443830/ Learn more about IFMA: https://www.ifma.org/ Check out the “On My Way To Work” video series: https://www.youtube.com/playlist?list=PLSkmmkVFvM4E39sM-pNaGhLoG0dkM947o Learn more about Eptura™: https://eptura.com/ Discover free resources and explore past interviews at: https://eptura.com/discover-more/podcasts/asset-champion/ Connect with Mike on LinkedIn: https://www.linkedin.com/in/mikepetrusky/
Aimee Grossman, CFM, CBRM, COEE is AVP of Facility Management & Workplace Experience at AdvaMed, Lena Thompson, IFMA Fellow, FMP, SFP is an Adjunct Professor & IFMA Qualified Instructor while serving on the IFMA Global Board of Directors, and Sarah Burns is a Partner Account Manager at Eptura. Mike Petrusky hosted a live roundtable discussion for the Capital Chapter of IFMA called “How Evolving Systems Can Empower Facility Professionals” where the panelists discussed integrating workplace technology with the overall management of the built environment and the evolving role of FM professionals. They explored how the hybrid work model requires significant change management, including adapting to new routines and human behavior and agreed that data and reporting are critical for decision making. Tune in to get practical ideas on enhancing the user experience when implementing new strategies or technologies and hear the encouragement and inspiration you will need to be a Workplace Innovator in your organization! Connect with Aimee on LinkedIn: https://www.linkedin.com/in/aimee-grossman-cfm-cbrm-coee-51039a64/ Connect with Lena on LinkedIn: https://www.linkedin.com/in/lena-thompson-5b05a86/ Connect with Sarah on LinkedIn: https://www.linkedin.com/in/sarah-burns-6737b9202/ Check out the “On My Way To Work” video series: https://www.youtube.com/playlist?list=PLSkmmkVFvM4E39sM-pNaGhLoG0dkM947o Discover free resources and explore past interviews at: https://eptura.com/discover-more/podcasts/workplace-innovator/ Learn more about Eptura™: https://eptura.com/ Connect with Mike on LinkedIn: https://www.linkedin.com/in/mikepetrusky/
Chris Hughes and Steve Rogers from The Energy Conservatory discuss TEC's TrueFlow technology and its crucial role in predicting airflow issues in the sales process, particularly for heat pump retrofits. They explain how the TrueFlow app helps contractors accurately measure both static pressure and airflow in existing systems, enabling them to predict whether proposed equipment changes will work effectively. This is especially vital when considering the growing trend of replacing gas furnaces with heat pumps, as the airflow requirements can differ significantly. The conversation delves into a detailed example of replacing an 80% efficient 48,000 BTU furnace with a heat pump. They demonstrate how the airflow requirement would nearly double from 652 CFM to 1,200 CFM, potentially causing the static pressure to quadruple due to Fan Law 2 principles. This dramatic increase could lead to significant performance issues if not properly addressed during the system design phase. The experts emphasize that using TrueFlow during the sales process allows contractors to identify potential problems and necessary modifications before installation rather than discovering issues during callbacks. The discussion also covers the ideal workflow for system assessment and sales, starting with customer comfort evaluation and proper load calculations. It's important to reduce loads through envelope improvements when possible, particularly in cold climates where heat pump retrofits are becoming more common. Proper system sizing often means going smaller rather than larger, contrary to common industry practices, and the worst HVAC systems are often found in expensive custom homes rather than tract housing. Key Topics Covered: TrueFlow technology and its role in system forecasting Fan Law 2 and its impact on static pressure when changing airflow Heat pump retrofit challenges and considerations The importance of accurate load calculations Dual fuel systems as a solution for cold climates The relationship between airflow and static pressure Sales process integration of technical measurements Common issues with oversized equipment The importance of envelope assessment Methods for reducing system loads Proper duct sizing and modification strategies The role of proper filter sizing and selection The benefits of flat-rate pricing for duct modifications Training resources and support available for TrueFlow users Check out TEC's YouTube channel at https://www.youtube.com/@energyconservatory, and you can visit TEC's website at https://energyconservatory.com/. Have a question that you want us to answer on the podcast? Submit your questions at https://www.speakpipe.com/hvacschool. Purchase your tickets or learn more about the 6th Annual HVACR Training Symposium at https://hvacrschool.com/symposium. Subscribe to our podcast on your iPhone or Android. Subscribe to our YouTube channel. Check out our handy calculators here or on the HVAC School Mobile App for Apple and Android.
In this episode, I talk with Jennifer Brunton, PE, CFM, CERP, senior vice president of Water at WSP, about innovative water engineering strategies, advanced technologies, and collaborative efforts aimed at tackling the urgent challenge of water scarcity. ***The video version of this episode can be viewed here.*** Engineering Quotes: Here Are Some of the Questions […] The post How to Implement Water Engineering Strategies for a Sustainable Future – Ep 275 appeared first on Engineering Management Institute.
In this short podcast episode, Bryan answers a listener-submitted question about an HVAC system that won't dehumidify. This question was submitted by a homeowner with a Carrier heat pump with an attic air handler that cools but won't dehumidify on the hottest days of summer. One of the past companies that serviced the system added charge, but the problem wasn't resolved. This case doesn't seem to be a sizing issue, as the insufficient dehumidification is happening on the hottest days. Normally, sizing issues happen during the edge seasons when temperatures aren't as high as in the summer, but the dew points are still high. Bryan's first recommendation is to use measureQuick to evaluate the delivered capacity and determine the sensible heat ratio (SHR) by comparing sensible BTUs to latent BTUs. High SHRs are associated with less effective dehumidification and more effective sensible BTU removal. Then, we have to determine that airflow is properly dialed in. Typically, lower fan speeds are associated with better dehumidification; 350 CFM per ton is typical of humid climates. In the case of two-speed or variable-speed equipment, we should verify that it is staging up and down properly. On the ventilation side, a duct leakage test is recommended. Proper use of exhaust ventilation, like bath fans and kitchen exhaust, is also critical. Structural leakage and MAD-AIR are also worth checking if a company can measure those, though those are premium services that are usually more expensive. Have a question that you want us to answer on the podcast? Submit your questions at https://www.speakpipe.com/hvacschool. Purchase your tickets or learn more about the 6th Annual HVACR Training Symposium at https://hvacrschool.com/symposium. Subscribe to our podcast on your iPhone or Android. Subscribe to our YouTube channel. Check out our handy calculators here or on the HVAC School Mobile App for Apple and Android.
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