Podcasts about Data

In this essential episode, Bryan Orr sits down with Elliot, the residential install supervisor at Kalos Services, to unpack a critical issue that's causing confusion among HVAC technicians, electricians, and inspectors alike: the new standards for breaker and conductor sizing on inverter-driven equipment. The conversation was sparked by Elliot's frustrating experience of having two inspectors in the same county fail the same installation for opposite reasons—one for an oversized breaker and another for an undersized breaker. This contradiction led to a deep dive into recent changes in UL standards and how they affect everyday HVAC installations. The heart of the issue stems from the transition to low-GWP refrigerants and the updated UL 60335-2-40 Edition 3 standard, which replaced the 1995 certification approach. This new standard introduced more conservative calculations for electrical characteristics, particularly affecting equipment using A2L refrigerants. The result? Data tags now show higher Minimum Circuit Ampacity (MCA) ratings than before, even though the equipment itself hasn't changed—only the math used to calculate these values has shifted. This has created a puzzling situation where the MCA can be higher than the recommended breaker size, which seems counterintuitive to anyone familiar with traditional electrical principles. Bryan and Elliot clarify the fundamental rule that still applies: size your wire to the MCA and your breaker to the MOCP (Maximum Overcurrent Protector). The confusion arises because manufacturers like Mitsubishi are now including "recommended breaker" sizes on data tags that are lower than the MCA—a courtesy to contractors, not a code requirement. The higher MCA reflects conservative safety margins that account for extreme operating conditions, but in practice, inverter-driven systems have multiple built-in protections that prevent them from ever actually reaching these calculated amperage levels. The key takeaway is that contractors can safely install breakers at the recommended size without safety concerns, as long as the breaker's lugs are rated to accept the wire size required by the MCA. The episode also explores how inverter-driven equipment fundamentally differs from traditional PSC motors, particularly regarding locked rotor amps (now more accurately termed "inverter input") and voltage drop considerations. Unlike conventional motors that simply run slower with reduced voltage, inverter-driven compressors and ECM motors compensate by drawing more current to maintain performance, creating a potential compounding effect with voltage drop that installers need to understand—even though voltage drop itself isn't an enforceable NEC code requirement. Topics Covered: New UL 60335-2-40 Edition 3 standards and their impact on electrical calculations for HVAC equipment The relationship between MCA (Minimum Circuit Ampacity) and MOCP (Maximum Overcurrent Protector) and why they can now seem contradictory Recommended breaker sizes on modern data tags and why they may be lower than the MCA Handling inspector conflicts and failed inspections related to breaker sizing Differences between inverter-driven equipment and traditional PSC motors in electrical behavior The transition from "locked rotor amps" to "inverter input" terminology for modern equipment Voltage drop considerations with inverter-driven systems (NEC 210.19A and 215.2A) Why inverter-driven equipment draws more current at lower voltages compared to traditional motors Proper wire and breaker sizing for A2L refrigerant equipment (454B systems) NEC Section 440 requirements specific to air conditioning and refrigeration equipment Breaker lug ratings and ensuring they can accept the required wire size Practical advice for communicating with inspectors and resolving code disputes   Read the tech tip on this topic HERE. 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 7th 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.

The Packers claimed Trayvon Diggs off waivers, and while there's no rational reason to expect him to save the season, maybe it's time to embrace the irrational. We break down the salary cap implications, the circumstances of his Cowboys departure, and why the "we need bodies" argument might be the only one worth making. Beyond Diggs, we dive into all 14 roster moves, including intriguing practice squad addition Damien Martinez—a physical downhill runner with elite college production—plus the return of Desmond Ritter as QB4 depth. We also examine the first injury report of the week, where Jordan Love appears as a full participant and an illness continues spreading through the locker room. The real surprise comes from DVOA trajectory analysis comparing this Packers team to historical squads with similar seasonal paths. The results? Three of the four most comparable teams won the Super Bowl, including the 2008 Steelers, 2022 Chiefs, and 2010 Packers. Sometimes mediocre teams get lucky—why not us? This episode is brought to you by PrizePicks! Use code PACKDADDY to get started with America's #1 fantasy sports app. https://prizepicks.onelink.me/LME0/PACKDADDY To advertise on this podcast please email: ad-sales@libsyn.com Or go to: https://advertising.libsyn.com/packernetpodcast Help keep the show growing and check out everything I'm building across the Packers and NFL world: Support: Patreon: www.patreon.com/pack_daddy Venmo: @Packernetpodcast CashApp: $packpod Projects: Grade NFL Players ➜ fanfocus-teamgrades.lovable.app Packers Hub ➜ packersgames.com Create NFL Draft Big Boards ➜ nfldraftgrades.com Watch Draft Prospects ➜ draftflix.com Screen Record ➜ pause-play-capture.lovable.app Global Economics Hub ➜ global-economic-insight-hub.lovable.app

The Packers claimed Trayvon Diggs off waivers, and while there's no rational reason to expect him to save the season, maybe it's time to embrace the irrational. We break down the salary cap implications, the circumstances of his Cowboys departure, and why the "we need bodies" argument might be the only one worth making. Beyond Diggs, we dive into all 14 roster moves, including intriguing practice squad addition Damien Martinez—a physical downhill runner with elite college production—plus the return of Desmond Ritter as QB4 depth. We also examine the first injury report of the week, where Jordan Love appears as a full participant and an illness continues spreading through the locker room. The real surprise comes from DVOA trajectory analysis comparing this Packers team to historical squads with similar seasonal paths. The results? Three of the four most comparable teams won the Super Bowl, including the 2008 Steelers, 2022 Chiefs, and 2010 Packers. Sometimes mediocre teams get lucky—why not us? This episode is brought to you by PrizePicks! Use code PACKDADDY to get started with America's #1 fantasy sports app. https://prizepicks.onelink.me/LME0/PACKDADDY To advertise on this podcast please email: ad-sales@libsyn.com Or go to: https://advertising.libsyn.com/packernetpodcast Help keep the show growing and check out everything I'm building across the Packers and NFL world: Support: Patreon: www.patreon.com/pack_daddy Venmo: @Packernetpodcast CashApp: $packpod Projects: Grade NFL Players ➜ fanfocus-teamgrades.lovable.app Packers Hub ➜ packersgames.com Create NFL Draft Big Boards ➜ nfldraftgrades.com Watch Draft Prospects ➜ draftflix.com Screen Record ➜ pause-play-capture.lovable.app Global Economics Hub ➜ global-economic-insight-hub.lovable.app

In this episode of the Gladden Longevity Podcast, Dr. Jeffrey Gladden interviews Chloe Harrouche, who shares her transformative journey through a breast cancer diagnosis at a young age. Chloe discusses her initial admiration for the healthcare system, which shifted dramatically after her diagnosis. She explores the challenges of navigating post-treatment care, the limitations of traditional oncology, and her eventual turn to functional medicine. The conversation delves into the importance of understanding the nervous system's role in health, the societal pressures of stress, and the need for a more integrated approach to wellness in primary care. In this conversation, Chloe Harrouche discusses the need for a new model of healthcare that emphasizes health optimization, personalized wellness, and a membership-based approach to primary care. She highlights the challenges of the current healthcare system, including the siloing of care and the overwhelming amount of data available to consumers. The discussion also touches on the importance of genetic testing and the vision for the future of healthcare, including expanding services to pediatrics and democratizing access to care.     For Audience ·       Use code 'Podcast10' to get 10% OFF on any of our supplements at https://gladdenlongevityshop.com/ !    Takeaways ·        Chloe's journey in healthcare began with a passion for bioengineering. ·        Her breast cancer diagnosis at 23 changed her perspective on healthcare. ·        Post-treatment, she found traditional oncology lacking in preventive care. ·        Chloe explored functional medicine to address her health concerns. ·        The importance of balancing wellness interventions with personal health needs. ·        Stress management is crucial for overall health and wellness. ·        The nervous system plays a significant role in health optimization. ·        Many people are unaware of how to shift from stress to calm. ·        Integrating wellness into primary care is essential for patient care. ·        Chloe advocates for a more personalized approach to health.  Health optimization is essential to prevent chronic diseases. ·        Personalized care is missing in the current wellness industry. ·        Data without clinical oversight can overwhelm consumers. ·        A membership model can provide holistic support for patients. ·        Coordination of care is crucial for effective health management. ·        The insurance model incentivizes volume over quality of care. ·        Genetic testing can inform proactive health decisions. ·        The goal is to empower patients to take charge of their health. ·        Future plans include expanding services to pediatrics. ·        Transparency in healthcare pricing is vital for trust.       Chapters 00:00 Introduction to Chloe Harrouche's Journey 01:04 The Impact of a Breast Cancer Diagnosis 06:01 Navigating Post-Treatment Healthcare 10:57 Exploring Functional Medicine 15:40 The Role of the Nervous System in Health 20:59 The Challenge of Stress and Wellness 24:14 Integrating Wellness into Primary Care 24:39 The Need for Health Optimization 28:06 Reimagining Primary Care 30:31 The Membership Model of Care 33:10 Navigating Challenges in Healthcare 37:50 Vision for the Future of Healthcare 40:21 Empowering Through Genetic Testing   To learn more about Chloe Harrouche: Email:  chloe@thelanby.com Website: https://www.thelanby.com/   Reach out to us at:    Website: https://gladdenlongevity.com/     Facebook: https://www.facebook.com/Gladdenlongevity/    Instagram: https://www.instagram.com/gladdenlongevity/?hl=en     LinkedIn: https://www.linkedin.com/company/gladdenlongevity    YouTube: https://www.youtube.com/channel/UC5_q8nexY4K5ilgFnKm7naw       Gladden Longevity Podcast Disclosures Production & Independence The Gladden Longevity Podcast and Age Hackers are produced by Gladden Longevity Podcast, which operates independently from Dr. Jeffrey Gladden's clinical practice and research at Gladden Longevity in Irving, Texas. Dr. Gladden may serve as a founder, advisor, or investor in select health, wellness, or longevity-related ventures. These may occasionally be referenced in podcast discussions when relevant to educational topics. Any such mentions are for informational purposes only and do not constitute endorsements. Medical Disclaimer The Gladden Longevity Podcast is intended for educational and informational purposes only. It does not constitute the practice of medicine, nursing, or other professional healthcare services — including the giving of medical advice — and no doctor–patient relationship is formed through this podcast or its associated content. The information shared on this podcast, including opinions, research discussions, and referenced materials, is not intended to replace or serve as a substitute for professional medical advice, diagnosis, or treatment. Listeners should not disregard or delay seeking medical advice for any condition they may have. Always seek the guidance of a qualified healthcare professional regarding any questions or concerns about your health, medical conditions, or treatment options. Use of information from this podcast and any linked materials is at the listener's own risk. Podcast Guest Disclosures Guests on the Gladden Longevity Podcast may hold financial interests, advisory roles, or ownership stakes in companies, products, or services discussed during their appearance. The views expressed by guests are their own and do not necessarily reflect the opinions or positions of Gladden Longevity, Dr. Jeffrey Gladden, or the production team. Sponsorships & Affiliate Disclosures To support the creation of high-quality educational content, the Gladden Longevity Podcast may include paid sponsorships or affiliate partnerships. Any such partnerships will be clearly identified during episodes or noted in the accompanying show notes. We may receive compensation through affiliate links or sponsorship agreements when products or services are mentioned on the show. However, these partnerships do not influence the opinions, recommendations, or clinical integrity of the information presented. Additional Note on Content Integrity All content is carefully curated to align with our mission of promoting science-based, ethical, and responsible approaches to health, wellness, and longevity. We strive to maintain the highest standards of transparency and educational value in all our communications.

Send us a textThe ground is moving under our feet, and that's exactly why this conversation matters. We sit down with Sandy Carter to unpack a practical path through the AI hype: start with outcomes, feed models with clean, structured data, and never skip the human change that decides whether an initiative sticks or stalls. From executive playbooks to frontline tactics, we get specific about what works, what fails, and how to build trust when synthetic media blurs what's real.We dive into the convergence of AI and blockchain and why verification is becoming a core product feature. Deepfakes and misinformation are not just PR problems—they are customer experience problems. Provenance, identity, and ownership give teams a way to show their work and earn belief. Then we turn to discovery. SEO still matters, but GEO—generative engine optimization—is stealing the spotlight. Executives increasingly ask LLMs for the “top five” solutions and stop there. To make that list, brands need credible signals in the places models pull from: thoughtful Reddit threads, up-to-date Wikipedia entries, technical explainers, and answers crafted for natural questions, not just keywords. We talk tactics, from UTMs for answer engines to content designed for prompts, entities, and clarity.The future is humans plus machines. Agents collaborate, robots learn by watching, and even a pizza-delivery humanoid sparks new questions: if the robot selects the drink, who does the brand persuade—the family or the agent? As homes and workplaces adapt to new hardware, marketers will build for both human preference and agent defaults. Through it all, Sandy's message stays grounded: align AI to real business value, protect what must remain private, open what should be discoverable, and communicate clearly so people understand the why, the how, and the benefit.This episode was recorded through a Descript call on November 26, 2025. Read the blog article and show notes here:  https://webdrie.net/why-winning-with-ai-starts-with-business-outcomes-clean-data-and-putting-people-first/If this conversation gave you a roadmap for smarter AI strategy, follow the show, share it with a friend, and leave a quick 5-star review so others can find it too. Your feedback shapes what we explore next...........................................................................

Hosts: Andy Shiles & Lalo Solorzano Guest: Ken Roberts, Founder of WorldCity Published: January 2026 Length: ~44 minutes Presented by: Global Training Center

In this episode of Imperfect Show Finance, stock market expert V. Nagappan analyzes the sharp fall in ITC's share price, explaining the key reasons behind the sudden decline and what it signals for investors going forward. The discussion also breaks down the latest GST collection data, examining what it reveals about India's economic momentum and market sentiment. In addition, the episode looks at the surprising rise in Vodafone Idea's stock, exploring why the shares moved up and whether the rally has strong fundamentals behind it. By connecting corporate developments with macroeconomic indicators, this video offers clear insights to help investors understand market movements and make informed decisions.

Clément David, expert en cybersécurité et en data et CEO de Theodo Cloud, était l'invité de RTL Soir.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Matt Fitzpatrick is the CEO of Invisible Technologies, leading the company's mission to make AI work. Since joining as CEO in January 2025, he has raised $100M, hit the $200M ARR milestone and accelerated AI adoption across industries from sports to consumer and government. Previously, Matt was a Senior Partner at McKinsey, where he led QuantumBlack Labs, the firm's AI R&D and software development arm. AGENDA: 04:40 Interview with Matt Fitzpatrick: Career Journey and Leadership 09:35 The Single Biggest Barriers to Enterprises Adopting AI 15:26 It is BS That Enterprises Can Adopt AI Without Forward-Deployed Engineers 28:05 Are AI Talent Marketplaces Dead? What is the best model? 46:33 How Does the Data Labelling Market Shake Out: Who Wins/ Who Loses 48:27 Are Revenue Numbers for Data Labelling Real Revenue? Or GMV? 51:20 Best Capital Allocation Decision? What did Matt Learn from it? 53:19 How Important is Brand for AI Companies Selling Into Enterprise? 01:05:59 Remote Work vs. In-Person Collaboration 01:17:06 What Does No-One Know About the Future of AI That Everyone Should Know  

It's New Year's Eve, Wednesday, December 31st, A.D. 2025. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com.  I'm Adam McManus. (Adam@TheWorldview.com) By Jonathan Clark Ugandan Muslims killed Christian evangelist Muslim extremists killed a Christian evangelist in Uganda earlier this month. Konkona Kasimu was a convert from Islam. He participated in multiple Christian-Muslim dialogues across Uganda. Several Muslims turned to Christ during one of these events on December 12. However, angry Muslims ambushed Kasimu that evening. He later died from the injuries he sustained during the attack. A local pastor told Morning Star News, “Kasimu was killed because of advancing the Kingdom of God. We have lost a great man who was well-versed in both the Quran and the Bible and used that knowledge to witness for Christ to many people.” Revelation 12:11 says, “And they overcame [the Devil] by the blood of the Lamb and by the word of their testimony, and they did not love their lives to the death.” Evangelicalism on rise in Catholic Spain Evangelicalism continues to grow in the historically Catholic country of Spain. Evangelical Focus reports that Christianity is the most deeply rooted among minority religions in the country. There are 4,700 evangelical places of worship in Spain this year. That's up from 3,700 places of worship ten years ago. At the same time, secularization is advancing. Over 40% of the population say they do not identify with any religion.  400 sex-selective abortions in United Kingdom Life News reports that new data from the United Kingdom government suggests at least 400 sex-selective abortions have taken place in the country.  The government says killing unborn babies on the basis of their sex is illegal. However, the U.K.'s largest abortion provider is telling women that sex-selective abortion is not illegal.  Catherine Robinson with Right to Life UK noted, “This report is very likely to underestimate the number of sex-selective abortions in the UK. The true scale of sex-selective abortions in the UK, is in all likelihood, far higher than the figures suggest.” America blew up Venezuelan port loading boat with narcotics U.S. President Donald Trump told reporters on Monday that the U.S. carried out a strike on a port facility in Venezuela. He said the facility was being used to load boats with narcotics. If confirmed, this would be the first land-based attack by the U.S. in Venezuela.  CNN and the New York Times report that the CIA carried out the attack with a drone strike. Rising church attendance among Millennials and Gen Z Evangelist Franklin Graham  spoke to Fox News about rising church attendance among younger generations. Data shows that Millennials and Gen Z lead monthly church attendance compared to other generations. Listen to comments from Graham. GRAHAM: “I think Gen Z and Millennials have been fed the lie of socialism. And socialism is basically anti-God. They've been turned off, I think, by this, and they're asking themselves, ‘There's got to be something more.' Yes, they're going to church, but Bible sales are up. So, they're buying Bibles. They're reading for themselves.” Kentucky restored Ten Commandments monument at Capitol Kentucky restored a permanent monument of the Ten Commandments to the state Capitol grounds earlier this month. The monument was put up in 1971. It was moved for construction in the 1980s. The legislature passed a resolution to restore it in 2000. However, a federal appeals court order kept the monument from being displayed until recently. First Liberty was involved in the legal case to restore the monument. Roger Byron, Senior Counsel for First Liberty, said, “We congratulate the people of Kentucky for restoring a part of their history. There is a long tradition of public monuments, like this one, that recognize the unique and important role the Ten Commandments have played in state and national history.” Lutheran Bible Translators delivered new Bible to Ghana tribe And finally, the Komba people of Ghana received their complete Bible last month after years of translation work. Missionary work among the Komba began in the 1950s. In 2005, Lutheran Bible Translators began to translate the New Testament which was completed in 2014. The Old Testament translation began in 2015. Now, they have the entire Bible. One of the translators said, “Reading the Bible has become part of my people. They are reading it day in and day out, and they have taken it upon themselves to do so. They have learned to read, and now they can go out and preach because they can read the Bible, something they were unable to do in the past.” Romans 10:15 says, “How beautiful are the feet of those who preach the Gospel of peace, who bring glad tidings of good things!” Close And that's The Worldview on this Wednesday, December 31st, in the year of our Lord 2025. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com.  I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

Happy New Year, comrades! 2025 is *finally* over and I'm celebrating with data fiend Lady Jane of Romancing the Data to bring you what we (and the numbers) say are the best romance books of the year. You'll get my top 10, Jane's top 5, and a medley of the top books based on the NYT and Kindle bestseller lists as well as the leading contenders for bookstagram's favorites. If you love data and also absolutely stuffing your TBR to the gills, this is the episode for you. Enjoy! Connect with Jane: website; @romancingthedata Mustache episode! @bachelordata kindletrends.com Subscribe! Follow! Rate! Review! Tell your friends and family! Support the podcast and buy me coffee WRION merch! My feminist, sapphic, bookish Etsy shop! Instagram/Threads: @wereaditonenight TikTok: @wereaditonenight Facebook: We Read It One Night Email: wereaditonenight [at] gmail.com

How to Become Unrecognizable in 2026: The 5 Decisions Women Over 40 Need to Make Now If you're doing what you did last January and getting what you got last February (disappointed, frustrated, right back where you started), this episode is for you. I'm giving you the real talk about why your old weight loss strategies stopped working after 40. Spoiler: it's not because you lack discipline. You lack DATA. In this episode, I'm breaking down the five specific decisions that will actually move the needle on your weight loss, your energy, and your body composition. These aren't the surface fixes you've been trying. These are the foundational shifts that make everything else work. One of my clients literally cleaned her living room and lost 10 pounds. I know it sounds wild, but I explain exactly how your external environment is directly connected to your internal chaos (and your food choices). Plus, I'm sharing my own journey with insulin resistance. My fasting insulin went from 6.8 to 4.8 over 20 months, and that shift changed everything about how my body burns fat, regulates appetite, and maintains energy. What You'll Learn in This Episode: Why your doctor's version of "fine" is keeping you fat, exhausted, and hormonally wrecked (and what labs you actually need to request) The birth control vs. HRT double standard that no one talks about (birth control has 10X the clot risk but doctors hand it out like Skittles) How cleaning ONE space in your home can break the mental clutter that's sabotaging your food choices (this is the breakthrough most women never see coming) The exact protein target you need to preserve muscle and actually change your body composition after 40 (hint: it's way more than you're eating now) Why daily weigh-ins are sabotaging you and what to track instead (weekly averages will save your sanity) How to know if you're a simple case or complex case (and whether you need group coaching or private 1:1 support) The real cost of NOT solving your weight loss struggle this year (it's not just financial) If you're tired of spinning your wheels and ready to work WITH your body instead of against it, this episode gives you the complete roadmap. Book a consultation call at jenniferdent.com/consult to talk about whether my Complete Transformation program is right for you.   FEATURED ON THE SHOW / RESOURCES

Send me a messageMost companies say they're tackling Scope 3. Then they rely on averages and hope for the best. That's not decarbonisation. That's denial with spreadsheets.In this episode, I'm joined by Paul Byrnes, CEO of Mavarick AI, to dig into one of the most stubborn blockers to real emissions reduction: bad data across global supply chains. Paul brings a rare mix to the table. Deep manufacturing roots, serious machine learning expertise, and a refreshingly low tolerance for AI theatre. We focus squarely on the climate challenge that keeps executives awake at night. How to cut Scope 3 emissions when suppliers are overloaded, data is unreliable, and margins are thin.You'll hear why most Scope 3 programmes stall before they deliver a single tonne of abatement. We dig into how spend-based accounting can introduce error rates of up to 40%, masking risk instead of revealing it. And why primary supplier data is fast becoming table stakes for any credible net zero strategy.We also unpack where AI genuinely helps emissions reduction, and where it doesn't. From cleaning contaminated data sets, to identifying real decarbonisation levers with financial and environmental ROI, this conversation is about using technology to move from reporting to action.You might be surprised to learn why supplier engagement only works when there's a clear win for suppliers themselves, and why emissions reduction scales fastest when it also improves cost, efficiency, or resilience. No greenwash. No magic bullets. Just physics, data, and incentives aligned.

The S&P 500 index is down three straight days but up 17% for the year. Jobless claims are the only data on tap but today is a full trading session before tomorrow's holiday.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument.Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0131-1225) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode, we're solo to catch up again on year-end 2025 trends, data vs "vibes", averages, DARM recapping and a LOT more...Enjoy!⭐️ Links & Show NotesAdam NorkoConrad O'Connell

This episode features DeAndre's guest appearance on GeoBreeze Travel Podcast, hosted by Julia Menez. In this conversation, DeAndre revisits the most impactful lessons from the first year of Revolutionizing Your Journey, highlighting practical points-and-miles strategies pulled directly from the show's most popular episodes. Topics include maximizing everyday spending through shopping portals, choosing the right cards based on real data, avoiding common beginner pitfalls, and using simple tools to decide when to pay cash versus points.The episode also weaves in personal travel experiences and redemptions that shaped the show's early direction, offering a clear snapshot of the podcast's travel philosophy. For newer listeners, this serves as a guided recap of key episodes worth revisiting, all conveniently linked in the show notes. And while new recordings are paused during the honeymoon, behind-the-scenes travel moments continue on Instagram—from lie-flat business-class seats to luxury lounges and unforgettable destinations.Key Highlights:Points with purpose: Strong financial habits create the foundation for sustainable travel rewards.Transferable points matter: Flexibility unlocks better redemptions and more destinations.Shopping portals are a force multiplier: Everyday purchases can dramatically accelerate point balances.Data beats guesswork: Card recommendations backed by real spending patterns outperform generic advice.Family travel requires a different strategy: Status benefits and flexibility matter more with larger groups.Avoid analysis paralysis: Perfect redemptions aren't required to create meaningful trips.Tools simplify decisions: Flight comparison plugins and tracking apps remove friction from planning.Buying points can make sense—strategically: Timing and redemption planning determine real value.Status tracking is critical: Missing bonuses or miscalculating limits can erase months of effort.Action creates memories: Points deliver value only when they're redeemed.Episodes mentioned in this guest appearance:Ep. 8 - Unleashing the Power of Lux Travel Hacks with Andy CantuEp. 25 - How to Use Points & Miles to Plan Around-the-World Travel with the Point Sisters Ep. 32 - Maximizing Points and Miles Travel Rewards and Avoiding Pitfalls with Ryan Horn aka @profitsandpoints Ep. 38 - Points or Cash? How to Choose the Right Travel Strategy with Julian Kheel of Points Path

Send us a textFresh off a high-profile appearance on CNBC's Worldwide Exchange discussing how AI will move beyond chatbots to autonomous agents that reshape jobs and productivity! Replay this episode where Jure digs into why structured data is still lagging behind the AI revolution and what comes next for predictive AI on relational data.Data's everywhere, but so often it feels… stuck. Joining us today is Jure Leskovec, Chief Scientist at Kumo and a Stanford Professor who's fundamentally reshaped how we understand networks—from Pinterest's recommendations to tracking the spread of disease. Jure was just on CNBC, and now he's back on the show to dive even deeper into how structured data is lagging behind the AI revolution. We'll explore how techniques like Graph Neural Networks are finally unlocking its potential, and how this all plays out in real-world applications.00:57 Meet Jure Leskovec 02:31 Knowing When to Move On 04:01 Academia versus Industry 07:30 Learnings from Pinterest 10:28 The Kumo Pitch 17:57 The Secret Sauce 25:51 Monetization 27:12 Only the Enterprise? 29:49 The Sandbox to Try Before Buy 31:42 The Best Use Cases 35:00 Summarizing 37:38 Predicting AI 40:15 What's True and No One Agrees 41:19 LearningLinkedIn: https://www.linkedin.com/in/leskovec/ Website: https://kumo.ai/CNBC appearance: https://www.youtube.com/watch?v=G98bFN4HE1w Want to be featured as a guest on Making Data Simple? Reach out to us at almartintalksdata@gmail.com and tell us why you should be next. The Making Data Simple Podcast is hosted by Al Martin, WW VP Technical Sales, IBM, where we explore trending technologies, business innovation, and leadership ... while keeping it simple & fun.

What if the students who say they're “good” are the ones we need to check on the most?In this episode of unMASKing with Male Educators, Ashanti Branch pulls back the curtain on what young men are actually carrying beneath the surface, using real words, real data, and real stories from the Global Young Men's Conference and the Million Mask Movement.Drawing from over two decades of work with young men, Ashanti walks listeners through powerful mask reflections created by students across the Bay Area. These masks reveal a striking disconnect between what young men show the world, happy, funny, kind, and what they hide, sadness, anger, exhaustion, loneliness, fear. Through stories, statistics, and lived experience, Ashanti challenges educators, parents, and systems to stop mistaking compliance for wellness and silence for safety.This episode is both a wake-up call and an invitation: to slow down, ask better questions, create emotionally safer spaces, and truly mean it when we ask, “How are you doing?”Why “I'm good” is often a mask, not the truthWhat young men's masks reveal about loneliness, sadness, and emotional overloadThe dangerous gap between how students appear and how they actually feelWhy emotional safety is foundational to attendance, behavior, and academic successHow fear, violence, and instability shape students' ability to show up to schoolThe hidden emotional labor young men carry to protect others from worryingWhy humor, kindness, and being “the funny one” can be survival strategiesHow social media, isolation, and consumption culture deepen disconnectionWhat educators miss when curriculum matters more than connectionHow the Million Mask Movement helps schools get to the root, not just the symptomsWhy listening—not fixing—is often the most powerful interventionA call to parents, educators, and leaders to stop staying silentIn this episode, Ashanti explores:(0:00) Welcome to unMASKing with Male Educators(0:41) Why this conversation matters as we head into 2026(2:00) Data as words: listening to what young men aren't saying(5:04) Voices from the Global Young Men's Conference(6:28) Introducing the Million Mask reflections(12:00) Why students don't show up when they don't feel safe(15:12) Survival brains, fear, and school attendance(16:30) Front-of-mask data: happy, funny, kind(17:09) Back-of-mask data: sad, angry, tired, alone(19:34) What “happy” students are hiding(22:41) The emotional cost of never being asked twice(24:55) The funny kid: humor as armor(27:18) Social media, isolation, and identity fragmentation(30:47) Why words matter more than spreadsheets(33:15) Invitation to make a mask and bring this work to schools(35:33) Speaking truth to systems and school boards(38:00) A call to parents, educators, and advocates(40:00) Closing reflections and what's coming nextResources & Ways to EngageThe Million Mask Movement – Create a mask anonymously: https://millionmask.orgEducator Portal – Bring mask-making and emotional data into your schoolGlobal Young Men's Conference – Youth voice, belonging, and healing spacesEver Forward Club – Brotherhood, connection, and mentorshipConnect with Ashanti BranchInstagram: https://www.instagram.com/branchspeaks/Facebook: https://www.facebook.com/BranchSpeaksTwitter/X: https://twitter.com/BranchSpeaksLinkedIn: https://www.linkedin.com/in/ashantibranch/Website: https://www.branchspeaks.com/Support the Podcast & Ever Forward Clubhttps://podcasters.spotify.com/pod/show/branch-speaks/support#unmaskingwithmaleeducators #millionmaskmovement #takingoffthemask #emotionalSafety #SEL #youthvoice #schoolculture #mentalhealthineducation

Tune in live every weekday Monday through Friday from 9:00 AM Eastern to 10:15 AM.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Buy our NFT⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join our Discord⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Check out our Twitter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Check out our YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DISCLAIMER: The views shared on this show are the hosts' opinions only and should not be taken as financial advice. This content is for entertainment and informational purposes.

From the person who co-founded the first nonprofit software company to tackle social problems at scale, Jim Fruchterman returns to share insights from his new book “

Send us a textFresh off a high-profile appearance on CNBC's Worldwide Exchange discussing how AI will move beyond chatbots to autonomous agents that reshape jobs and productivity! Replay this episode where Jure digs into why structured data is still lagging behind the AI revolution and what comes next for predictive AI on relational data.Data's everywhere, but so often it feels… stuck. Joining us today is Jure Leskovec, Chief Scientist at Kumo and a Stanford Professor who's fundamentally reshaped how we understand networks—from Pinterest's recommendations to tracking the spread of disease. Jure was just on CNBC, and now he's back on the show to dive even deeper into how structured data is lagging behind the AI revolution. We'll explore how techniques like Graph Neural Networks are finally unlocking its potential, and how this all plays out in real-world applications.00:57 Meet Jure Leskovec 02:31 Knowing When to Move On 04:01 Academia versus Industry 07:30 Learnings from Pinterest 10:28 The Kumo Pitch 17:57 The Secret Sauce 25:51 Monetization 27:12 Only the Enterprise? 29:49 The Sandbox to Try Before Buy 31:42 The Best Use Cases 35:00 Summarizing 37:38 Predicting AI 40:15 What's True and No One Agrees 41:19 LearningLinkedIn: https://www.linkedin.com/in/leskovec/ Website: https://kumo.ai/CNBC appearance: https://www.youtube.com/watch?v=G98bFN4HE1w Want to be featured as a guest on Making Data Simple? Reach out to us at almartintalksdata@gmail.com and tell us why you should be next. The Making Data Simple Podcast is hosted by Al Martin, WW VP Technical Sales, IBM, where we explore trending technologies, business innovation, and leadership ... while keeping it simple & fun.

Numbers tell a story, and you can use them to change your practice. In this episode, Kirk Behrendt brings back Robyn Theisen, one of ACT's amazing coaches, to share a few critical metrics that will make the biggest impact. To learn which data points to focus on to improve your practice, listen to Episode 989 of The Best Practices Show!Learn More About Robyn:Send Robyn an email: robyn@actdental.com Follow Robyn on ACT's Instagram: https://www.instagram.com/actdentalSend Courtney an email to learn more about ACT: courtney@actdental.com Send Gina an email to learn more about ACT: gina@actdental.com More Helpful Links for a Better Practice & a Better Life:Subscribe to The Best Practices Show: https://the-best-practices-show.captivate.fm/listenJoin The Best Practices Association: https://www.actdental.com/bpaDownload ACT's BPA app on the Apple App Store: https://apps.apple.com/us/app/best-practices-association/id6738960360Download ACT's BPA app on the Google Play Store: https://play.google.com/store/apps/details?id=com.actdental.join&hl=en_USJoin ACT's To The Top Study Club: https://www.actdental.com/tttGet The Best Practices Magazine for free: https://www.actdental.com/magazinePlease leave us a review on the podcast:

Hybrid selection is a huge decision to make every season, so how do you know you're making the right call? Scott is joined by Ben Ford, Chief Technology Officer at Rob-See-Co, to talk about how using the right data can make the difference.

The MacVoices Live! panel takes a deep dive into the self-driving car debate, weighing sensational media coverage against real-world safety data and personal experiences with autonomous taxis. Chuck Joiner, Brian Flanigan-Arthurs, Marty Jencius, Eric Bolden, David Ginsburg, Web Bixby, and Jim Rea discuss human distraction, software transparency, police interaction with automated vehicles, and whether machines can outperform inattentive drivers in real-world situations.  The Antigravity A1 is the world's first 8K 360 drone, it's genuinely a game-changer. You get full immersive flight with the goggles, insanely intuitive controls, and endless creative freedom in editing.If you're thinking about buying a drone, make it this one. Check out the link in our show notes and get a free landing pad with your order! https://www.antigravity.tech/drone/antigravity-a1/buy?utm_term=macvoices Show Notes: Chapters: [0:00] Media coverage and self-driving incidents [1:11] Comparing autonomous driving to human drivers [2:20] Tesla and Waymo real-world experiences [5:41] Ride safety and public comfort with automation [6:52] Media bias and tech success stories [8:27] Police interaction and system improvements [9:47] Human distraction and societal impact [13:35] Transparency, regulation, and AI concerns [19:56] Interface frustrations and lighter discussion [21:55] Scheduling notes and community wrap-up Links: Driverless Waymo vehicle goes through tense police stop in L.A. https://www.nbcnews.com/news/us-news/driverless-waymo-vehicle-inadvertently-takes-riders-tense-police-stop-rcna246994 The Data on Self-Driving Cars Is Clear. We Have to Change Course. https://www.nytimes.com/2025/12/02/opinion/self-driving-cars.html Justin Bieber threatens Apple with 'rear naked choke hold' over Messages UI
https://appleinsider.com/articles/25/12/07/justin-bieber-threatens-apple-with-rear-naked-choke-hold-over-messages-ui Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn, but prefers Bluesky. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Brian Flanigan-Arthurs is an educator with a passion for providing results-driven, innovative learning strategies for all students, but particularly those who are at-risk. He is also a tech enthusiast who has a particular affinity for Apple since he first used the Apple IIGS as a student. You can contact Brian on twitter as @brian8944. He also recently opened a Mastodon account at @brian8944@mastodon.cloud. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession 'firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Support:      Become a MacVoices Patron on Patreon      http://patreon.com/macvoices      Enjoy this episode? Make a one-time donation with PayPal Connect:      Web:      http://macvoices.com      Twitter:      http://www.twitter.com/chuckjoiner      http://www.twitter.com/macvoices      Mastodon:      https://mastodon.cloud/@chuckjoiner      Facebook:      http://www.facebook.com/chuck.joiner      MacVoices Page on Facebook:      http://www.facebook.com/macvoices/      MacVoices Group on Facebook:      http://www.facebook.com/groups/macvoice      LinkedIn:      https://www.linkedin.com/in/chuckjoiner/      Instagram:      https://www.instagram.com/chuckjoiner/ Subscribe:      Audio in iTunes      Video in iTunes      Subscribe manually via iTunes or any podcatcher:      Audio: http://www.macvoices.com/rss/macvoicesrss      Video: http://www.macvoices.com/rss/macvoicesvideorss

The All of Us Research Program aims to build one of the largest health databases in history, but an OIG audit found weaknesses in the National Institutes of Health's oversight and access controls that could put sensitive participant data at risk. Charles Summers from the Department of Health and Human Services Office of Inspector General is here to discuss what needs to change to protect privacy as enrollment grows.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

As the fraud in Minnesota is being exposed, Ilhan Omar's part in defrauding Minnesota seems to be coming out. Then, a judge rules that the Trump admin. can share Medicaid data with ICE.  Visit the Howie Carr Radio Network website to access columns, podcasts, and other exclusive content.

Get your free $50 here: https://prizepicks.onelink.me/ivHR/SAL2310 Players with HUGE Money Incentives to Exploit in Week 18 (must take bets)(Data source credits: Fantasy Life - Player Profiler - PFF)

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1917: Sherice Jacob breaks down the misunderstood concept of data quality, emphasizing that perfection isn't the goal, relevance, accuracy, and consistency are. Through clear steps like data profiling, error management, and adherence to key quality dimensions, she offers a practical roadmap for businesses to improve decisions, customer experience, and ROI. Read along with the original article(s) here: https://neilpatel.com/blog/data-quality/ Quotes to ponder: "Data quality is very much a delicate balancing act, juggling and judging accuracy and completeness." "The first step toward successful integration is seeing where the data is and then combining that data in a way that's consistent." "Taking the time now to map out what data quality means to your company or organization can create a ripple-effect of improved customer service, a better customer experience, a higher conversion rate and longer customer retention."  

This is the final episode of Own It for 2025 and Samantha isn't wrapping the year with a tidy bow… she's calling you out and calling you forward.This episode is about outgrowing who you used to be—and having the courage to admit it. Not intellectually. Not conceptually. But operationally. In your business. In your leadership. In your identity.Samantha breaks down why your past isn't something to escape—it's data. Data that shows you exactly where you've been capping yourself, over-functioning, or playing a role that no longer fits. She shares personal examples of stepping out of being “everything to everyone” and into the real work of CEO-level leadership, along with client stories that expose the cost of staying stuck in outdated roles.If you've been feeling burned out, restless, plateaued, or quietly resentful of the business or life you built—this episode is your permission slip to stop forcing it and promote yourself.Because leadership isn't about doing more.It's about becoming different.

Welcome back to another episode of School Counseling Simplified. Happy December. Today we are doing a throwback to one of my favorite episodes, all about three must-have data tools for individual counseling. Data collection does not have to be complicated or time consuming. Having simple systems in place allows you to track student progress, guide your sessions, and advocate for your role with confidence. In this episode, I am sharing my three go-to data collection tools for individual counseling and how to use them effectively. Self Assessments Self assessments are pre and post surveys that help you understand how students perceive their own counseling progress. Each question should align with the objective you are teaching during that session, which helps ensure your data is purposeful and meaningful. Questions should be written in age appropriate language and include clear directions at the top. Be sure to include the student's name and the date, and remind students that there are no right or wrong answers. Self assessments can be completed on paper or through a Google Form, which allows you to easily view results and identify trends. These assessments help highlight skill deficits and guide future instruction. Student Rating Scales Student rating scales provide quick insight into how students are feeling session to session. A simple one-to-ten scale works well, allowing students to color in or mark how they are feeling that day. Using large block fonts and visual elements can make this activity more engaging for students. Rating scales are typically completed at the start of each session and provide valuable data that is fast and easy to collect. Behavior Surveys Behavior surveys are sent to teachers and parents to gather information about student behavior across different settings. These surveys should include the topic being addressed, the student's name, the rater's name, the rater's relationship to the student, and the date. Behavior surveys are given at the start of services and again at the end to measure growth over time. Because students often behave differently at home and at school, input from both teachers and caregivers is essential. Google Forms work especially well for collecting and organizing this data. Using Your Data Once you have collected your data, it is important to use it intentionally. Data can be showcased on a data wall displayed in a high traffic area of the school to help bring awareness to the counseling profession and the services you provide. Data can also be used to create individual end of year reports and to drive instruction as you refine and improve your counseling programs. If you are looking for low prep, done-for-you assessments, be sure to check out my individual counseling curriculum.   Resources Mentioned: Join IMPACT Individual counseling super bundle Connect with Rachel: TpT Store Blog Instagram Facebook Page Facebook Group Pinterest Youtube   More About School Counseling Simplified: School Counseling Simplified is a podcast offering easy to implement strategies for busy school counselors. The host, Rachel Davis from Bright Futures Counseling, shares tips and tricks she has learned from her years of experience as a school counselor both in the US and at an international school in Costa Rica. You can listen to School Counseling Simplified on Apple Podcasts, Spotify, Google Podcasts, and more!    

In this Season 2 finale, Justin asks: 'What's next for the Surprising Rebirth?'When the podcast series launched in 2023, many were skeptical of a 'Surprising Rebirth'. However, two years later, some say statistical evidence is pointing towards a 'Quiet Revival'. But there has been pushback too... Justin interrogates the data, hearing objections and responses from sociologist David Voas and Bible Society researcher Rhiannon McAleer.Peter Dray of IFES charts Gen Z spirituality, while podcaster Elizabeth Oldfield and journalist James Marriott discuss the rise of 'Full Fat Faith' converts. Australian church leader Mark Sayers and British MP Danny Kruger also tackle the vexed question of whether far right politics is co-opting Christianity as the search for a better story continues. More info, book & newsletter: https://justinbrierley.com/surprisingrebirth/ Support via Patreon for early access to new episodes and bonus content: https://www.patreon.com/justinbrierley/membership Support via Tax-deductible (USA) and get the same perks: https://defendersmedia.com/portfolio/justin-brierley/ Give a one-off gift via PayPal: https://www.paypal.com/paypalme/brierleyjustin Buy the book or get a signed copy: https://justinbrierley.com/the-surprising-rebirth-of-belief-in-god/ Got feedback? Share it with us by emailing: feedback@think.faith Ep 30 show notes: https://justinbrierley.com/surprisingrebirth/season-2-episode-30-is-the-rebirth-real The Surprising Rebirth of Belief in God is a production of Think Faith in partnership with Genexis, and support from The Jerusalem Trust. Learn more about your ad choices. Visit podcastchoices.com/adchoices

This episode of the FreightWaves Morning Minute examines Amazon's recent support for Flowers Foods in a Supreme Court case that could redefine legal protections for local delivery drivers. The retail giant argues that single-state drivers do not qualify for the federal arbitration exemption reserved for interstate transportation workers. We also report on the abrupt closure of Queen Transportation, a North Carolina carrier that ceased operations over the Christmas holiday. The shutdown left nearly 90 drivers jobless and highlights the severe liquidity pressures currently facing the trucking industry. Finally, we look at the logistics real estate boom in Arizona, signaled by Walmart's $152 million acquisition of a massive industrial complex in Glendale. Data from the Phoenix market indicates that local trucking capacity is tightening as major investments reshape the region's supply chain infrastructure. Learn more about your ad choices. Visit megaphone.fm/adchoices

• Support & get perks!• Proudly sponsored by PyMC Labs. Get in touch and tell them you come from LBS!• Intro to Bayes and Advanced Regression courses (first 2 lessons free)Our theme music is « Good Bayesian », by Baba Brinkman (feat MC Lars and Mega Ran). Check out his awesome work !Chapters:13:16 Understanding Adaptive and Platform Trials25:25 Real-World Applications and Innovations in Trials34:11 Challenges in Implementing Bayesian Adaptive Trials42:09 The Birth of a Simulation Tool44:10 The Importance of Simulated Data48:36 Lessons from High-Stakes Trials52:53 Navigating Adaptive Trial Designs56:55 Communicating Complexity to Stakeholders01:02:29 The Future of Clinical Trials01:10:24 Skills for the Next Generation of StatisticiansThank you to my Patrons for making this episode possible!Yusuke Saito, Avi Bryant, Giuliano Cruz, Tradd Salvo, William Benton, James Ahloy, Robin Taylor,, Chad Scherrer, Zwelithini Tunyiswa, Bertrand Wilden, James Thompson, Stephen Oates, Gian Luca Di Tanna, Jack Wells, Matthew Maldonado, Ian Costley, Ally Salim, Larry Gill, Ian Moran, Paul Oreto, Colin Caprani, Colin Carroll, Nathaniel Burbank, Michael Osthege, Rémi Louf, Clive Edelsten, Henri Wallen, Hugo Botha, Vinh Nguyen, Marcin Elantkowski, Adam C. Smith, Will Kurt, Andrew Moskowitz, Hector Munoz, Marco Gorelli, Simon Kessell, Bradley Rode, Patrick Kelley, Rick Anderson, Casper de Bruin, Michael Hankin, Cameron Smith, Tomáš Frýda, Ryan Wesslen, Andreas Netti, Riley King, Yoshiyuki Hamajima, Sven De Maeyer, Michael DeCrescenzo, Fergal M, Mason Yahr, Naoya Kanai, Aubrey Clayton, Omri Har Shemesh, Scott Anthony Robson, Robert Yolken, Or Duek, Pavel Dusek, Paul Cox, Andreas Kröpelin, Raphaël R, Nicolas Rode, Gabriel Stechschulte, Arkady, Kurt TeKolste, Marcus Nölke, Maggi Mackintosh, Grant Pezzolesi, Joshua Meehl, Javier Sabio, Kristian Higgins, Matt Rosinski, Luis Fonseca, Dante Gates, Matt Niccolls, Maksim Kuznecov, Michael Thomas, Luke Gorrie, Cory Kiser, Julio, Edvin Saveljev, Frederick Ayala, Jeffrey Powell, Gal Kampel, Adan Romero, Blake Walters, Jonathan Morgan, Francesco Madrisotti, Ivy Huang, Gary Clarke, Robert Flannery, Rasmus Hindström, Stefan, Corey Abshire, Mike Loncaric, Ronald Legere, Sergio Dolia, Michael Cao, Yiğit Aşık, Suyog Chandramouli, Guillaume Berthon, Avenicio Baca, Spencer Boucher, Krzysztof Lechowski, Danimal, Jácint Juhász, Sander and Philippe.Links from the show:Berry ConsultantsScott's podcastLBS #45 Biostats & Clinical Trial Design, with Frank Harrell

For our second episode in our Holiday Series we are taking a second look at when we chatted with Cynthia Kellam, Global Senior Director, Digital, Data and Customer Experience Center of Excellence at TE Connectivity, again to discuss how collecting and using digital data can create better customer experiences. She explains their journey of building a better Voice of Customer system to help all business units in TE Connectivity make customer-focused decisions. Cynthia explains how she avoids survey fatigue, uses automation techniques, and visualizes data for actionable success.

From investing through the modern data stack era (DBT, Fivetran, and the analytics explosion) to now investing at the frontier of AI infrastructure and applications at Amplify Partners, Sarah Catanzaro has spent years at the intersection of data, compute, and intelligence—watching categories emerge, merge, and occasionally disappoint. We caught up with Sarah live at NeurIPS 2025 to dig into the state of AI startups heading into 2026: why $100M+ seed rounds with no near-term roadmap are now the norm (and why that terrifies her), what the DBT-Fivetran merger really signals about the modern data stack (spoiler: it's not dead, just ready for IPO), how frontier labs are using DBT and Fivetran to manage training data and agent analytics at scale, why data catalogs failed as standalone products but might succeed as metadata services for agents, the consumerization of AI and why personalization (memory, continual learning, K-factor) is the 2026 unlock for retention and growth, why she thinks RL environments are a fad and real-world logs beat synthetic clones every time, and her thesis for the most exciting AI startups: companies that marry hard research problems (RAG, rule-following, continual learning) with killer applications that were simply impossible before. We discuss: The DBT-Fivetran merger: not the death of the modern data stack, but a path to IPO scale (targeting $600M+ combined revenue) and a signal that both companies were already winning their categories How frontier labs use data infrastructure: DBT and Fivetran for training data curation, agent analytics, and managing increasingly complex interactions—plus the rise of transactional databases (RocksDB) and efficient data loading (Vortex) for GPU-bound workloads Why data catalogs failed: built for humans when they should have been built for machines, focused on discoverability when the real opportunity was governance, and ultimately subsumed as features inside Snowflake, DBT, and Fivetran The $100M+ seed phenomenon: raising massive rounds at billion-dollar valuations with no 6-month roadmap, seven-day decision windows, and founders optimizing for signal ("we're a unicorn") over partnership or dilution discipline Why world models are overhyped but underspecified: three competing definitions, unclear generalization across use cases (video games ≠ robotics ≠ autonomous driving), and a research problem masquerading as a product category The 2026 theme: consumerization of AI via personalization—memory management, continual learning, and solving retention/churn by making products learn skills, preferences, and adapt as the world changes (not just storing facts in cursor rules) Why RL environments are a fad: labs are paying 7–8 figures for synthetic clones when real-world logs, traces, and user activity (à la Cursor) are richer, cheaper, and more generalizable Sarah's investment thesis: research-driven applications that solve hard technical problems (RAG for Harvey, rule-following for Sierra, continual learning for the next killer app) and unlock experiences that were impossible before Infrastructure bets: memory, continual learning, stateful inference, and the systems challenges of loading/unloading personalized weights at scale Why K-factor and growth fundamentals matter again: AI felt magical in 2023–2024, but as the magic fades, retention and virality are back—and most AI founders have never heard of K-factor — Sarah Catanzaro X: https://x.com/sarahcat21 Amplify Partners: https://amplifypartners.com/ Where to find Latent Space X: https://x.com/latentspacepod Substack: https://www.latent.space/ Chapters 00:00:00 Introduction: Sarah Catanzaro's Journey from Data to AI 00:01:02 The DBT-Fivetran Merger: Not the End of the Modern Data Stack 00:05:26 Data Catalogs and What Went Wrong 00:08:16 Data Infrastructure at AI Labs: Surprising Insights 00:10:13 The Crazy Funding Environment of 2024-2025 00:17:18 World Models: Hype, Confusion, and Market Potential 00:18:59 Memory Management and Continual Learning: The Next Frontier 00:23:27 Agent Environments: Just a Fad? 00:25:48 The Perfect AI Startup: Research Meets Application 00:28:02 Closing Thoughts and Where to Find Sarah

LOUNGE LIZARDS PRESENTED BY FABRICA5 - Brilliant Honduran Cigars - Visit Fabrica005.com and use code LIZARDPOD at checkout for 10% off THE ENTIRE STORE! Free worldwide shipping from Miami on all orders over $125. See website for more information and terms.SMALL BATCH CIGAR - SAVE 15% - Exclusive Cigar Retail Partner of the Lizards - Visit SmallBatchCigar.com and use code LIZARD15 for 15% off your order. Free shipping and 5% rewards back always. Standard exclusions apply. Simple. Fast. Small Batch Cigar.Recorded at Ten86 Lounge in Hawthorne, New Jersey, the lizards pair Cohiba BHK 54 with French Bloom Le Blanc Non-Alcoholic Sparkling Wine & The Dalmore King Alexander III Single Malt Scotch Whisky. The guys ring in the new year with one of Rooster's favorites, they review the best and worst cigars and pairings of the year and they learn from a master on how to properly taste whisky.Plus: Poobah Sends a Voice Memo, Is Behike Worth the Price?, Smoking More White Whales, Dialing in Tupperware Humidity & MoreJoin the Lounge Lizards for a weekly discussion on all things cigars (both Cuban and non-Cuban), whiskey, food, travel, life and work. This is your formal invitation to join us in a relaxing discussion amongst friends and become a card-carrying Lounge Lizard yourself. This is not your typical cigar podcast. We're a group of friends who love sharing cigars, whiskey and a good laugh.website/merch/rating archive: loungelizardspod.comemail: hello@loungelizardspod.com to join the conversation and be featured on an upcoming episode!cuban cigar box codes archive: loungelizardspod.com/codesinstagram: @loungelizardspodGizmo HQ: LizardGizmo.com

Welcome to the final full trading day of 2025! On this episode of the Hot Options Report, host Mark Longo breaks down a surprisingly active market for a holiday week. From massive dividend capture plays in the REIT sector to "hope springs eternal" bullish bets in the Magnificent Seven, we cover everything lighting up the tape as we head into the new year. In this episode, we analyze the top 10 most active names on the options tape, including: The Big Two: Tesla (TSLA) and Nvidia (NVDA) dominate the volume again. We look at the heavy paper in the NVDA 190 calls and why Tesla traders are sweating the $460 strike. Dividend Plays: Why did Agency Investment Corp (AGNC) and Annaly Capital Management (NLY) suddenly crash the top 10? We break down the ex-dividend activity driving massive volume in the Jan 10 and Jan 22 calls. The AI Ecosystem: Analyzing the "coin flip" sentiment in Palantir (PLTR) puts and the "opening paper" selling 40 calls in Intel (INTC). The "Monster" Moves: MicroStrategy (MSTR) continues its wild ride—is the $160 call a trap or a breakout play for the week? Big Tech Highlights: A look at the "Number of the Beast" close for Meta and the last-minute lottery tickets in Apple (AAPL) and Netflix (NFLX). Check the Data for Free:  TheHotOptionsReport.com.

In an otherwise slow holiday week, one highlight is Fed minutes due at 2 p.m. ET. Thin volume has made trends tough to track, and stocks fell Monday amid tech and metals weakness.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.Digital currencies [such as bitcoin] are highly volatile and not backed by any central bank or government. Digital currencies lack many of the regulations and consumer protections that legal-tender currencies and regulated securities have. Due to the high level of risk, investors should view digital currencies as a purely speculative instrument.Cryptocurrency-related products carry a substantial level of risk and are not suitable for all investors. Investments in cryptocurrencies are relatively new, highly speculative, and may be subject to extreme price volatility, illiquidity, and increased risk of loss, including your entire investment in the fund. Spot markets on which cryptocurrencies trade are relatively new and largely unregulated, and therefore, may be more exposed to fraud and security breaches than established, regulated exchanges for other financial assets or instruments. Some cryptocurrency-related products use futures contracts to attempt to duplicate the performance of an investment in cryptocurrency, which may result in unpredictable pricing, higher transaction costs, and performance that fails to track the price of the reference cryptocurrency as intended. Please read more about risks of trading cryptocurrency futures here.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0131-1225) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Durable Value, we explore the concept of real estate—especially multifamily and industrial properties—as essential infrastructure. We discuss how these asset types function as a public good, their role in the economic grid, and why secondary and tertiary markets are becoming increasingly important. Tune in for insights on market dynamics, institutionalization, and the future of real estate investment.Timestamps:00:00 – Introduction00:51 – Real estate as a public good: Housing and industrial as community essentials01:15 – The “capillaries” of commerce: Small businesses and last-mile industry01:36 – Real estate as a quasi-utility; the Western US grid analogy02:30 – Institutionalization of secondary and tertiary markets02:57 – Infrastructure as an investible asset class03:22 – Needs-based assets: Comparing real estate to bridges and utilities04:08 – Asset desirability vs. discretionary assets04:31 – Monopoly vs. competition: Utilities and real estate supply04:55 – The economics of new construction vs. existing apartments06:34 – Demographic shifts: Millennials, Gen Z, and housing demand07:21 – Post-COVID trends: Remote work and changing lifestyles08:23 – Owning the grid: The I-5, I-15, and I-25 corridors09:02 – The network lens: How properties reinforce each other09:21 – Data-driven conviction and deal flow09:42 – Building alpha through authentic data and off-market deals

We revisit how employers can control healthcare spend while expanding employee choice through ICRAs, with Chad Schneider of Thatch sharing what works, what breaks, and what's next. We dig into change management, decision tools, dynamic contributions, and the broker's evolving role.• Why ICRAs surged after 2020 and boomed in 2024• Carrier expansion and a stronger individual market• The real barrier being change management and fintech• Decision support that mirrors travel-style shopping• Dynamic contributions that create equity across markets• Carve-out classes to manage renewals and strategy• Common misconceptions among brokers and employers• Data, APIs, and real-time enrollment tracking• Emerging perks, localized networks, and future trendsPlease feel free to go to our website, which is thatch.com, reach out to me on LinkedIn. I'd love to chat with you, and we can happily go through our process, quoting, show you all the cool bells and whistles, and we'd love to be able to engage further.This episode is sponsored by Benepower, the platform of choice for a modern benefits experience. Benepower is an AI-powered benefits platform offering access to top products and services, enabling consultants and employers to create customized plans, optimize usage, and measure effectiveness. www.benepower.com

"The Good, The Bad, And The Lovely" by tinynerdlet, can be found at https://archiveofourown.org/works/8034478"Deanna Troi, Worf, and Alexander ended up trapped on the holodeck in a program based around the Ancient West. All of the villains take on Data's appearance, though none of them seem to act like Data. During the final shoot out, another familiar face appears. This one says more about Data than any of the others do, and it raises questions that Deanna really wants answered."The Joy of Trek is hosted by Khaki & Kay, with editing & production by Chief Engineer Greg and music by Fox Amoore (Bandcamp | Bluesky)Send us your recommendations, or support us on Patreon.Find us at joyoftrek.com · Twitter · Facebook

In this special year-end episode of Pricing Heroes, we revisit one of our most widely listened-to conversations of the year: our 2025 pricing predictions roundtable. Recorded in January, this episode brought together nine leading pricing experts to share their perspectives on the forces they believed would shape pricing throughout the year ahead.Now, as 2025 comes to a close, those predictions read less like forecasts and more like a reflection of the realities pricing teams have spent the year navigating. From tariffs and inflation pressures to the rapid adoption of AI, growing scrutiny of algorithmic pricing, and the ongoing evolution of pricing organizations, this episode offers a valuable opportunity to reflect on what held up, what proved more complex in practice, and what pricing leaders can take forward into 2026.Rather than revisiting predictions in hindsight, this conversation captures how experienced practitioners were thinking about pricing at the start of the year — and why many of those perspectives remain highly relevant today.Featured Experts:

Michigan dairy producer Paul Windemuller joins host Kimmi Devaney to chat about how his family economically started their dairy farm in 2013, the evolution their dairy facilities and the addition of solar panels, the role of artificial intelligence, and how he uses the data provided by his automated milking system and other monitoring technology to make informed management decisions. Links: Listen to Windemuller's podcast – the AgCulture Podcast – and learn more about his work in agriculture on his website.Read about his farm in this Progressive Dairy article from April 2024. Episode overview: [~1:20] Windemuller's inspiration for getting into the dairy business[~2:20] His economical method of starting a dairy farm[~6:50] How his experiences in New Zealand influenced the way he manages his dairy farm today[~8:45] The evolution of his dairy facilities from a turkey coop with freestalls and a New Zealand-style milking parlor to his current modern freestall barns and automated milking system[~10:50] How he utilizes the data provided by his automated milking system and other monitoring technology[~13:05] The most important metrics he watches[~14:00] The process of adding solar panels to his operation [~23:15] Windemuller's industry involvement[~25:50] Nuffield International Farming Scholars program[~27:45] The white paper he wrote about artificial intelligence that he presented at the World Dairy Summit in Chile in October 2025 as a Nuffield International Scholar[~32:50] Team culture and technology implementation[~40:20] His motivation for starting the AgCulture Podcast [~44:50] Windemuller's advice to other dairy producers that are interested in advocating for agriculture[~48:05] Rapid-fire questions

Strap in and grab your NG tubes, because the EGS team in TIGER Country is taking you on a fast, forceful, and evidence-packed ride through 15 years of global SBO literature. From the OG 2011 Zielinski model to the latest 2025 predictive tools sweeping across Europe and North America, we're breaking down what matters when the bowel stops behaving and the clock starts ticking.  Join Dr. Rushabh Dev and the Acute Care Surgery crew at the University of Missouri as they tackle the most common EGS consult in America with humor, data, and real-world pearls. Get ready for CT red flags, strangulation scores, Gastrografin truths, and the eternal battle between “operate early” vs. “wait it out.” Whether you're a med student trying to decode your first CT or a seasoned attending debating the next Gastrografin challenge, this episode delivers the insights you need to Dominate the Day. Participants: Dr. Rushabh Dev FACS (Moderator, Surgical Attending) – Assistant Professor of Surgery, Associate PD ACS & SCCM Fellowship, SICU Medical Director, Lieutenant Commander United States Navy Reserve   Dr. Raymond Okeke; Acute Care Surgery & SCCM Fellow  Dr. Eugene Ismailov, General Surgery Resident; PGY 5 Dr. Brycen Ratcliffe, General Surgery Resident; PGY 4 Dr. Desra Flecher, General Surgery Resident; PGY 3 Objectives: 1. Identify the core clinical and CT predictors of operative need in SBO including mesenteric edema, free fluid, closed-loop obstruction, lack of enhancement, and feces sign absence — and understand how these features have remained consistent across 15 years of research. 2. Compare major international SBO predictive models (Zielinski, Geneva Severity Score, STRISK, and NOFA) and describe how they inform real-time decision-making in North American acute care surgery. 3. Apply evidence-based algorithms, including the 2025 JTACS EGS pathway to structure SBO evaluation, integrate Water-Soluble Contrast studies, and avoid delayed surgery in high-risk patients. 4. Evaluate the long-term impact of operative vs. non-operative management with emphasis on recurrence risk, timing between episodes, and how to incorporate recurrence data into patient counseling. 5. Synthesize 15 years of evolving SBO literature into practical bedside strategies by balancing red-flag findings, risk-model guidance, and individualized clinical judgment to optimize outcomes. STRISK and NOFA Calculator: Prediction Models | Clinical Abdominal Surgery Helsinki References  1. Geneva Clinical Severity Score Wassmer, C. H., Guber, J., Zeindler, J., Meier, R. P. H., Ouaïssi, M., Ris, F., Morel, P., Didier, C., & Gkikas, I. (2023). A new clinical severity score for the management of adhesive small bowel obstruction: A cohort study. International Journal of Surgery, 109, 262–270. https://pubmed.ncbi.nlm.nih.gov/37026805/ 2. STRISK & NOFA Predictive Models Räty, S., Rinta-Kilpinen, E., Eklund, M., Turunen, N., Koskinen, I., Rasilainen, S., Korhonen, T., & Paajanen, H. (2025). Development and external validation of prediction risk models for strangulation or non-operative treatment failure in small bowel obstruction: A multicenter prospective study. Surgery, 178(1), 45–56. Prediction Models | Clinical Abdominal Surgery Helsinki 3. JTACS EGS Algorithm – Evidence-Based, Cost-Effective Management Livingston, D. H., Wolfson, D., Cogbill, T. H., Rice, T. W., Patel, N., et al. (2025). Evidence-based, cost-effective management of small bowel obstruction: An Emergency General Surgery Algorithms Work Group project. Journal of Trauma and Acute Care Surgery, 98(4), 512–528. https://pubmed.ncbi.nlm.nih.gov/40842046/ 4. Tennessee Recurrence Study (Operative vs Non-Operative Management) Medvecz, A. J., Dennis, B. M., Wang, L., Countouris, M. E., Croce, M. A., Sharpe, J. P., Ivanova, A., & Miller, R. S. (2020). Impact of operative management on recurrence of adhesive small bowel obstruction: A longitudinal analysis of a statewide database. Journal of the American College of Surgeons, 230(4), 544–551.e1. https://pubmed.ncbi.nlm.nih.gov/31954815/ 5. Early Predictive SBO Work – Zielinski (2010–2011) Zielinski, M. D., Eiken, P. W., Bannon, M. P., Heller, S. F., Lohse, C. M., & Huebner, M. (2010). Small bowel obstruction—Who needs an operation? A multivariate prediction model. World Journal of Surgery, 34(5), 910–919. https://pubmed.ncbi.nlm.nih.gov/20217412/ 6. Zielinski, M. D., Haddad, N. N., Cullinane, D. C., Eiken, P. W., & Huebner, M. (2011). Prospective, observational validation of a multivariate small bowel obstruction model to predict the need for operative intervention. Journal of the American College of Surgeons, 212(6), 1068–1076. https://pubmed.ncbi.nlm.nih.gov/21458305/ Please visit https://behindtheknife.org to access other high-yield surgical education podcasts, videos and more.   If you liked this episode, check out our recent episodes here: https://behindtheknife.org/listen Behind the Knife Premium: General Surgery Oral Board Review Course: https://behindtheknife.org/premium/general-surgery-oral-board-review Trauma Surgery Video Atlas: https://behindtheknife.org/premium/trauma-surgery-video-atlas Dominate Surgery: A High-Yield Guide to Your Surgery Clerkship: https://behindtheknife.org/premium/dominate-surgery-a-high-yield-guide-to-your-surgery-clerkship Dominate Surgery for APPs: A High-Yield Guide to Your Surgery Rotation: https://behindtheknife.org/premium/dominate-surgery-for-apps-a-high-yield-guide-to-your-surgery-rotation Vascular Surgery Oral Board Review Course: https://behindtheknife.org/premium/vascular-surgery-oral-board-audio-review Colorectal Surgery Oral Board Review Course: https://behindtheknife.org/premium/colorectal-surgery-oral-board-audio-review Surgical Oncology Oral Board Review Course: https://behindtheknife.org/premium/surgical-oncology-oral-board-audio-review Cardiothoracic Oral Board Review Course: https://behindtheknife.org/premium/cardiothoracic-surgery-oral-board-audio-review Download our App: Apple App Store: https://apps.apple.com/us/app/behind-the-knife/id1672420049 Android/Google Play: https://play.google.com/store/apps/details?id=com.btk.app&hl=en_US

Original Release Date: November 13, 2025Live from Morgan Stanley's European Tech, Media and Telecom Conference in Barcelona, our roundtable of analysts discusses tech disruptions and datacenter growth, and how Europe factors in.Read more insights from Morgan Stanley.----- Transcript -----Paul Walsh: Welcome to Thoughts on the Market. I'm Paul Walsh, Morgan Stanley's European Head of Research Product. Today we return to my conversation with Adam Wood. Head of European Technology and Payments, Emmet Kelly, Head of European Telco and Data Centers, and Lee Simpson, Head of European Technology. We were live on stage at Morgan Stanley's 25th TMT Europe conference. We had so much to discuss around the themes of AI enablers, semiconductors, and telcos. So, we are back with a concluding episode on tech disruption and data center investments. It's Thursday the 13th of November at 8am in Barcelona. After speaking with the panel about the U.S. being overweight AI enablers, and the pockets of opportunity in Europe, I wanted to ask them about AI disruption, which has been a key theme here in Europe. I started by asking Adam how he was thinking about this theme. Adam Wood: It's fascinating to see this year how we've gone in most of those sectors to how positive can GenAI be for these companies? How well are they going to monetize the opportunities? How much are they going to take advantage internally to take their own margins up? To flipping in the second half of the year, mainly to, how disruptive are they going to be? And how on earth are they going to fend off these challenges? Paul Walsh: And I think that speaks to the extent to which, as a theme, this has really, you know, built momentum. Adam Wood: Absolutely. And I mean, look, I think the first point, you know, that you made is absolutely correct – that it's very difficult to disprove this. It's going to take time for that to happen. It's impossible to do in the short term. I think the other issue is that what we've seen is – if we look at the revenues of some of the companies, you know, and huge investments going in there. And investors can clearly see the benefit of GenAI. And so investors are right to ask the question, well, where's the revenue for these businesses? You know, where are we seeing it in info services or in IT services, or in enterprise software. And the reality is today, you know, we're not seeing it. And it's hard for analysts to point to evidence that – well, no, here's the revenue base, here's the benefit that's coming through. And so, investors naturally flip to, well, if there's no benefit, then surely, we should focus on the risk. So, I think we totally understand, you know, why people are focused on the negative side of things today. I think there are differences between the sub-sectors. I mean, I think if we look, you know, at IT services, first of all, from an investor point of view, I think that's been pretty well placed in the losers' buckets and people are most concerned about that sub-sector… Paul Walsh: Something you and the global team have written a lot about. Adam Wood: Yeah, we've written about, you know, the risk of disruption in that space, the need for those companies to invest, and then the challenges they face. But I mean, if we just keep it very, very simplistic. If Gen AI is a technology that, you know, displaces labor to any extent – companies that have played labor arbitrage and provide labor for the last 20 - 25 years, you know, they're going to have to make changes to their business model. So, I think that's understandable. And they're going to have to demonstrate how they can change and invest and produce a business model that addresses those concerns. I'd probably put info services in the middle. But the challenge in that space is you have real identifiable companies that have emerged, that have a revenue base and that are challenging a subset of the products of those businesses. So again, it's perfectly understandable that investors would worry. In that context, it's not a potential threat on the horizon. It's a real threat that exists today against certainly their businesses. I think software is probably the most interesting. I'd put it in the kind of final bucket where I actually believe… Well, I think first of all, we certainly wouldn't take the view that there's no risk of disruption and things aren't going to change. Clearly that is going to be the case. I think what we'd want to do though is we'd want to continue to use frameworks that we've used historically to think about how software companies differentiate themselves, what the barriers to entry are. We don't think we need to throw all of those things away just because we have GenAI, this new set of capabilities. And I think investors will come back most easily to that space. Paul Walsh: Emmet, you talked a little bit there before about the fact that you haven't seen a huge amount of progress or additional insight from the telco space around AI; how AI is diffusing across the space. Do you get any discussions around disruption as it relates to telco space? Emmet Kelly: Very, very little. I think the biggest threat that telcos do see is – it is from the hyperscalers. So, if I look at and separate the B2C market out from the B2B, the telcos are still extremely dominant in the B2C space, clearly. But on the B2B space, the hyperscalers have come in on the cloud side, and if you look at their market share, they're very, very dominant in cloud – certainly from a wholesale perspective. So, if you look at the cloud market shares of the big three hyperscalers in Europe, this number is courtesy of my colleague George Webb. He said it's roughly 85 percent; that's how much they have of the cloud space today. The telcos, what they're doing is they're actually reselling the hyperscale service under the telco brand name. But we don't see much really in terms of the pure kind of AI disruption, but there are concerns definitely within the telco space that the hyperscalers might try and move from the B2B space into the B2C space at some stage. And whether it's through virtual networks, cloudified networks, to try and get into the B2C space that way. Paul Walsh: Understood. And Lee maybe less about disruption, but certainly adoption, some insights from your side around adoption across the tech hardware space? Lee Simpson: Sure. I think, you know, it's always seen that are enabling the AI move, but, but there is adoption inside semis companies as well, and I think I'd point to design flow. So, if you look at the design guys, they're embracing the agentic system thing really quickly and they're putting forward this capability of an agent engineer, so like a digital engineer. And it – I guess we've got to get this right. It is going to enable a faster time to market for the design flow on a chip. So, if you have that design flow time, that time to market. So, you're creating double the value there for the client. Do you share that 50-50 with them? So, the challenge is going to be exactly as Adam was saying, how do you monetize this stuff? So, this is kind of the struggle that we're seeing in adoption. Paul Walsh: And Emmet, let's move to you on data centers. I mean, there are just some incredible numbers that we've seen emerging, as it relates to the hyperscaler investment that we're seeing in building out the infrastructure. I know data centers is something that you have focused tremendously on in your research, bringing our global perspectives together. Obviously, Europe sits within that. And there is a market here in Europe that might be more challenged. But I'm interested to understand how you're thinking about framing the whole data center story? Implications for Europe. Do European companies feed off some of that U.S. hyperscaler CapEx? How should we be thinking about that through the European lens? Emmet Kelly: Yeah, absolutely. So, big question, Paul. What… Paul Walsh: We've got a few minutes! Emmet Kelly: We've got a few minutes. What I would say is there was a great paper that came out from Harvard just two weeks ago, and they were looking at the scale of data center investments in the United States. And clearly the U.S. economy is ticking along very, very nicely at the moment. But this Harvard paper concluded that if you take out data center investments, U.S. economic growth today is actually zero. Paul Walsh: Wow. Emmet Kelly: That is how big the data center investments are. And what we've said in our research very clearly is if you want to build a megawatt of data center capacity that's going to cost you roughly $35 million today. Let's put that number out there. 35 million. Roughly, I'd say 25… Well, 20 to 25 million of that goes into the chips. But what's really interesting is the other remaining $10 million per megawatt, and I like to call that the picks and shovels of data centers; and I'm very convinced there is no bubble in that area whatsoever.So, what's in that area? Firstly, the first building block of a data center is finding a powered land bank. And this is a big thing that private equity is doing at the moment. So, find some real estate that's close to a mass population that's got a good fiber connection. Probably needs a little bit of water, but most importantly needs some power. And the demand for that is still infinite at the moment. Then beyond that, you've got the construction angle and there's a very big shortage of labor today to build the shells of these data centers. Then the third layer is the likes of capital goods, and there are serious supply bottlenecks there as well.And I could go on and on, but roughly that first $10 million, there's no bubble there. I'm very, very sure of that. Paul Walsh: And we conducted some extensive survey work recently as part of your analysis into the global data center market. You've sort of touched on a few of the gating factors that the industry has to contend with. That survey work was done on the operators and the supply chain, as it relates to data center build out. What were the key conclusions from that? Emmet Kelly: Well, the key conclusion was there is a shortage of power for these data centers, and… Paul Walsh: Which I think… Which is a sort of known-known, to some extent. Emmet Kelly: it is a known-known, but it's not just about the availability of power, it's the availability of green power. And it's also the price of power is a very big factor as well because energy is roughly 40 to 45 percent of the operating cost of running a data center. So, it's very, very important. And of course, that's another area where Europe doesn't screen very well.I was looking at statistics just last week on the countries that have got the highest power prices in the world. And unsurprisingly, it came out as UK, Ireland, Germany, and that's three of our big five data center markets. But when I looked at our data center stats at the beginning of the year, to put a bit of context into where we are…Paul Walsh: In Europe… Emmet Kelly: In Europe versus the rest. So, at the end of [20]24, the U.S. data center market had 35 gigawatts of data center capacity. But that grew last year at a clip of 30 percent. China had a data center bank of roughly 22 gigawatts, but that had grown at a rate of just 10 percent. And that was because of the chip issue. And then Europe has capacity, or had capacity at the end of last year, roughly 7 to 8 gigawatts, and that had grown at a rate of 10 percent. Now, the reason for that is because the three big data center markets in Europe are called FLAP-D. So, it's Frankfurt, London, Amsterdam, Paris, and Dublin. We had to put an acronym on it. So, Flap-D. Good news. I'm sitting with the tech guys. They've got even more acronyms than I do, in their sector, so well done them. Lee Simpson: Nothing beats FLAP-D. Paul Walsh: Yes. Emmet Kelly: It's quite an achievement. But what is interesting is three of the big five markets in Europe are constrained. So, Frankfurt, post the Ukraine conflict. Ireland, because in Ireland, an incredible statistic is data centers are using 25 percent of the Irish power grid. Compared to a global average of 3 percent.Now I'm from Dublin, and data centers are running into conflict with industry, with housing estates. Data centers are using 45 percent of the Dublin grid, 45. So, there's a moratorium in building data centers there. And then Amsterdam has the classic semi moratorium space because it's a small country with a very high population. So, three of our five markets are constrained in Europe. What is interesting is it started with the former Prime Minister Rishi Sunak. The UK has made great strides at attracting data center money and AI capital into the UK and the current Prime Minister continues to do that. So, the UK has definitely gone; moved from the middle lane into the fast lane. And then Macron in France. He hosted an AI summit back in February and he attracted over a 100 billion euros of AI and data center commitments. Paul Walsh: And I think if we added up, as per the research that we published a few months ago, Europe's announced over 350 billion euros, in proposed investments around AI. Emmet Kelly: Yeah, absolutely. It's a good stat. Now where people can get a little bit cynical is they can say a couple of things. Firstly, it's now over a year since the Mario Draghi report came out. And what's changed since? Absolutely nothing, unfortunately. And secondly, when I look at powering AI, I like to compare Europe to what's happening in the United States. I mean, the U.S. is giving access to nuclear power to AI. It started with the three Mile Island… Paul Walsh: Yeah. The nuclear renaissance is… Emmet Kelly: Nuclear Renaissance is absolutely huge. Now, what's underappreciated is actually Europe has got a massive nuclear power bank. It's right up there. But unfortunately, we're decommissioning some of our nuclear power around Europe, so we're going the wrong way from that perspective. Whereas President Trump is opening up the nuclear power to AI tech companies and data centers. Then over in the States we also have gas and turbines. That's a very, very big growth area and we're not quite on top of that here in Europe. So, looking at this year, I have a feeling that the Americans will probably increase their data center capacity somewhere between – it's incredible – somewhere between 35 and 50 percent. And I think in Europe we're probably looking at something like 10 percent again. Paul Walsh: Okay. Understood. Emmet Kelly: So, we're growing in Europe, but we're way, way behind as a starting point. And it feels like the others are pulling away. The other big change I'd highlight is the Chinese are really going to accelerate their data center growth this year as well. They've got their act together and you'll see them heading probably towards 30 gigs of capacity by the end of next year. Paul Walsh: Alright, we're out of time. The TMT Edge is alive and kicking in Europe. I want to thank Emmett, Lee and Adam for their time and I just want to wish everybody a great day today. Thank you.(Applause) That was my conversation with Adam, Emmett and Lee. Many thanks again to them. Many thanks again to them for telling us about the latest in their areas of research and to the live audience for hearing us out. And a thanks to you as well for listening. Let us know what you think about this and other episodes by living us a review wherever you get your podcasts. And if you enjoy listening to Thoughts on the Market, please tell a friend or colleague about the podcast today.

In this episode, host Travis Chappell and producer Eric wrestle with one deceptively simple question: What does “enough” money actually look like? The conversation ranges from private jets and yachts to first-class flights, five-star dinners, and court-side sports experiences—and why most people wildly overestimate what it takes to live an extraordinary, but not billionaire-level, life.​ On this episode we talk about: Travis' personal definition of “enough”: first-class flights, five-star dining, great seats at games and concerts, and rich family travel—without obsessively checking the bank app Why jets, yachts, and 17,000-square-foot mansions are not actually part of his goals How friends use money to buy unforgettable experiences (like chatting with Shohei Ohtani from behind the dugout or sitting courtside during NBA playoffs) The tradeoff between Grant Cardone/Alex Hormozi-level drive and the time cost of maintaining that lifestyle Why you must adjust either your goals or your expectations if you are not willing to work like an ultra-elite entrepreneur Data on what it really takes to be top 10% and top 1% income in the U.S.—and why that number is lower than most people guess Why an “extraordinary life” is more attainable than social media makes it seem if you define it thoughtfully Top 3 Takeaways “Enough” is personal—but it must be specific. For Travis, it is the freedom to buy high-quality experiences (travel, dining, memories with kids) without financial anxiety, not owning every luxury toy on earth. Ultra-wealth has a workload attached. If you want billionaire-style outcomes, you must be honest about whether you are truly willing to live the grind that level requires; if not, recalibrate. Extraordinary doesn't require billions. Hitting high-six-figure or low-seven-figure income and net worth—combined with sane spending choices—can fund a rich, experience-filled life for most people. Notable Quotes “I'm not chasing a jet and a yacht. I just want to take my family to Italy for three weeks and not worry about staying in a sketchy hostel.” “If you're not willing to work like Grant Cardone, you probably shouldn't expect Grant Cardone's life.” “Extraordinary is only one or two levels above where most people are now—not some impossible billionaire mountain.”​ ✖️✖️✖️✖️

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Jonathan Levin, Co-founder and CEO of Chainalysis, joined me to discuss the firm's blockchain data platform, which is used by governments, exchanges, financial institutions, and more around the world.Topics: - Blockchain data tracking - How governments and institutions are using Chainalysis - Stopping scams and hacks - Interesting trends from Blockchain Data - Tokenization data monitoringBrought to you by

Episode Description In this year-end episode, Chris Wolfe, OD takes a step back from protocols, products, and positioning statements to examine a more fundamental question in clinical care: when does belief help us act, and when does belief get ahead of the data? Throughout the year, we've emphasized that belief during the comprehensive exam is what drives action. If doctors and teams do not truly believe something matters, it does not get prioritized. But belief has a failure mode. When belief outpaces evidence, especially in pediatric care, it can distort expectations, decision-making, and policy. Using the FDA's decision on low-dose atropine as a case study, this episode explores how belief forms, how it spreads, and where it may diverge from what the publicly available data actually show. This is not an argument against myopia management or atropine therapy. It is an attempt to slow the conversation down and examine effect size, study design, endpoints, and uncertainty with clarity and humility. What You'll Learn in This Episode Why myopia management itself is not the controversy, but certainty often is How belief influences behavior in the comprehensive exam, for better and for worse What the FDA actually said in its Complete Response Letter on SYD-101 How professional statements and press releases can amplify belief beyond available data What the STAR trial poster does and does not show, including effect size and subgroup uncertainty Why modest effect sizes behave differently in real-world clinical practice How to think about dose, endpoints, and population selection without oversimplifying Why belief should motivate action, but evidence should calibrate expectations Key Sources Referenced in This Episode FDA and Manufacturer Statements Sydnexis Complete Response Letter Press Release Sydnexis Receives Complete Response Letter from FDA for SYD-101 to Slow Pediatric Myopia Progression https://www.sydnexis.com/news/sydnexis-receives-complete-response-letter-from-fda-for-syd-101 Sydnexis Phase III STAR Trial Topline Data Press Release Sydnexis Announces Topline Pivotal Data from Phase 3 STAR Trial https://www.sydnexis.com/news/sydnexis-announces-topline-pivotal-data-from-phase-3-star-trial UK Approval Announcement (Based on STAR Data) Sydnexis Announces UK Approval of Ryjunea by Partner Santen https://www.sydnexis.com/news/sydnexis-announces-uk-approval-of-ryjunea Professional Organization Statements AAOMC Public Statement AAOMC Calls for Access to Proven Myopia Therapies as Low-Dose Atropine Gains Global Approvals https://aaomc.org AAPOS Commentary on Nonapproval of SYD-101 Available via LinkedIn and Healio OSN Clinical Commentary and Analysis Kyle Klute, OD – Optometry Simplified My Alternative Take on Atropine, Fast Progressors, and Effect Size (NNT Analysis) https://optometrysimplified.com/posts/optometry-simplified-weekly-my-alternative-take-on-atropine-fast-progressors-in-glaucoma-lab-test-ordering-and-more Strongly recommended for a detailed discussion of effect size and Number Needed to Treat. This episode references Kyle's framework without reproducing his calculations. Review of Myopia Management – Ashley Wallace Tucker, OD What Does the FDA Decision on SYD-101 Mean for Eye Care? Review of Optometry – Paul Karpecki, OD Sydnexis Snubbed Review of Optometry – Cory Lappin, OD Optometric Physician Commentary on SYD-101 Healio OSN – Ed Wilson, MD and John Hovanesian, MD AAPOS: Nonapproval of SYD-101 Has Important Implications Why This Episode Matters This episode is not about picking sides. It is about learning to sit in uncertainty without abandoning action. It challenges listeners to examine where belief helps patient care and where belief may unintentionally replace careful analysis. If you manage myopia, counsel parents, interpret clinical trials, or influence policy, this episode is designed to help you think more clearly, not more loudly. Connect and Continue the Conversation If this episode resonated with you, or if you found yourself uncomfortable in parts of it, that reaction is worth exploring. Thoughtful medicine requires both conviction and restraint. ------------------- For our listeners, use the code 'EYECODEMEDIA22' for 10% off at check out for our Premiere Billing & Coding bundle or our EyeCode Billing & Coding course. Sharpen your billing and coding skills today and leave no money on the table! questions@eyecode-education.com https://coopervision.com/myopia-management Go to MacuHealth.com and use the coupon code PODCAST2024 at checkout for special discounts  Show Sponsors: CooperVision MacuHealth