Podcasts about Data

Does going first win more games? Are the Brackets accurate? Are games getting faster? We analyzed over 500 games, and here are the results!Access to exclusive content & more on Patreon! https://patreon.com/edhrecastGet new cards on Cardsphere! https://www.cardsphere.com/welcome?referrer=edhrecastProud partners with DragonShield: https://www.dragonshield.com/?ref=edhrecast Gets RulesDeck here: https://www.reactionsdeck.com/products/commander-rulesdeckCheck out ALL our decklists: https://edhrec.com/articles/edhrecast-our-decks/ Previous results of 2024: https://youtu.be/BQV8CgEu1kUPrevious results of 2023: https://youtu.be/lUXj-FiiUPg Follow the cast on social media:@EDHRECast@JosephMSchultz@danaroach@mathimus55See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Today on CarEdge Live, Ray and Zach discuss the latest data from Edmunds. Tune in to learn more! Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

On today's episode, Editor in Chief Sarah Wheeler talks with Lead Analyst Logan Mohtashami about new data on the idea of a mortgage rate lockdown and how homebuyers are responding to elevated rates. Related to this episode: Logan Mohtashami HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ More info about HousingWire To learn more about Trust & Will click here.

In this episode of the Real Estate Pros podcast, host Michelle Kesil interviews Devaniel Adams, a wholesaler in Central California. Devaniel shares his journey from humble beginnings to becoming a successful real estate investor. He discusses the importance of focusing on wholesaling, the transition from being an agent to an investor, and the keys to growing a successful business. Devaniel emphasizes the significance of character development, data-driven decision-making, and maintaining liquidity in a challenging market. He also shares valuable lessons learned from his experiences and offers insights on connecting with sellers and building a strong team.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true 'white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a "mini-mastermind" with Mike and his private clients on an upcoming "Retreat", either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas "Big H Ranch"? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

The season has come to a close, fantasy banners are being hung and champagne is being popped... But did you think we were going anywhere?! Of course not! Fantasy Life with Ian Hartitz is here for another great episode where fantasy football expert Ian Haritz is joined by Dwain McFarland to hand out 2025 fantasy football awards AND break down all of the utilization goodness from Week 18 action across the NFL! In today's episode: - Is Colston Loveland a certified TE1 in fantasy next year?- We're giving MVP to a TIGHT END?!- Is Parker Washington THE WR1 in Jacksonville? We're breaking down all this and so much more! Learn more about your ad choices. Visit megaphone.fm/adchoices

In this conversation, Jessica Patterson and Florian Schmitzberger discuss the evolution of clinical practice guidelines (CPGs) from the Department of Defense (DOD) and their application in different contexts, particularly in light of the changes from the Global War on Terror (GWOT) to new healthcare environments. They emphasize the need for data to understand how these guidelines will perform in varied systems.TakeawaysThis isn't GWOT, this isn't Iraq, this isn't Afghanistan.Clinical practice guidelines (CPGs) evolved during GWOT.The performance of CPGs in different systems is uncertain.Data gathering is essential to assess guideline effectiveness.Understanding ground truth is crucial for guideline application.The DOD's CPGs were refined for specific contexts.New healthcare environments may challenge existing guidelines.The evolution of CPGs reflects changing military and healthcare needs.Questions arise about the adaptability of CPGs.Future research is needed to evaluate guideline performance.Chapters00:00 Introduction to the Podcast and Guests00:32 Data Collection and Research MethodologyFor more content, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.prolongedfieldcare.org⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Consider supporting us: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠patreon.com/ProlongedFieldCareCollective⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.lobocoffeeco.com/product-page/prolonged-field-care⁠

I have tried to be conscious of any of the personally imposed surveillance that I take part in.It's futile, I'm sure, but: I opt out of everything I can possibly opt out of online. I talk shit to and about every Ring doorbell to anyone who will listen.I opt out of the biometric data collection at the TSA, despite some of the officers reminding me they have my data already. The point is, I like exercising my rights where the options still exist. Even if it is futile. And even if it is inconvenient for me, I'm not taking your online cookies. It deeply infuriates me that I'm not “allowed” to opt out of more. I can't use my phone, camera, printer, or any other piece of tech without signing the terms and conditions that hold your item (and your family) hostage unless you give up the rights to your entire personhood in a written contract. But you spend three paychecks on these items and it feels like a simple click will get you there, so you sign away without reading a damned thing. Everything I buy feels like just another way for a company to get more access to more of my personal data. The merchandise or service they provide is so obviously an inconvenience to them, at this point. Data is king. And for many companies, your attention has become far more valuable than cash. The dollar may crash but the need for your unpaid labor and energy will never end!!!READ THE SCRIPT FROM TODAY'S EPISODE on Julie's Medium Blog.SUPPORT JULIE (and the show!)DONATE to the Palestinian Children's Relief Fund AND THE Sudan Relief FundGET AN OCCASIONAL PERSONAL EMAIL FROM ME: www.makeyourdamnbedpodcast.comTUNE IN ON INSTAGRAM AND YOUTUBESUBSCRIBE FOR BONUS CONTENT ON PATREON.The opinions expressed by Julie Merica and Make Your Damn Bed Podcast are intended for entertainment purposes only. Make Your Damn Bed podcast is not intended or implied to be a substitute for professional medical advice, diagnosis or treatment. ISupport this show http://supporter.acast.com/make-your-damn-bed. Hosted on Acast. See acast.com/privacy for more information.

This is the All Local update for Sunday, January 4, 2026.

The front desk is dead.Let's be honest—we don't live in the “tour the clubhouse” era anymore.In today's Multifamily world, your leasing agent doesn't sit behind a desk—they live on your website. Your first impression isn't curb appeal—it's your digital curb appeal. Prospects are vetting your community online, building opinions before they ever set foot on site... if they even do.In this episode of Multifamily Operations Tip of the Day, Mike Brewer unpacks a seismic shift: leasing has gone from feature dumping to lifestyle storytelling.Modern leasing pros aren't selling space—they're narrating experiences. Conversion metrics matter more than call logs. Data beats gut instinct. And your online presence? It's now your #1 closer.If you're still treating leasing like a front-desk gig, you're already behind.Let's talk about what it takes to compete today—and win tomorrow.

Voting rights attorney Marc Elias warns that the Trump Department of Justice is aggressively seeking access to Americans' most sensitive voter data—including Social Security numbers, party affiliation, voting history, and signatures—by suing more than 20 states. Elias explains why this unprecedented data grab is central to a broader strategy of voter suppression, election subversion, and litigation designed to undermine free and fair elections in 2026 and beyond. Drawing on decades of experience and current court battles, he breaks down how voter files work, how they can be weaponized, and why DOJ control of this data could fundamentally reshape elections, from voter challenges to targeted suppression laws and post-election challenges. Support independent journalism: https://newsletters.democracydocket.com/member-youtube Stay informed with the latest news and political analysis: https://newsletters.democracydocket.com/youtube Follow Democracy Docket: Bluesky: https://bsky.app/profile/democracydocket.com Instagram⁠: https://instagram.com/democracydocket Facebook⁠: https://facebook.com/democracydocket X/Twitter⁠: https://twitter.com/DemocracyDocket TikTok⁠: https://tiktok.com/@democracydocket Threads: https://www.threads.net/@democracydocket

The Hidden Lightness with Jimmy Hinton – Adding to the economic tailwinds are sizable tax refunds reaching American households. While often dismissed as routine, refunds play a significant role in consumer behavior. Many families use them to pay down debt, invest, or make long-delayed purchases. Others channel that money into savings or entrepreneurial ventures. This infusion of cash...

You already know it: hitting more greens in regulation is the key to better scores. But how much difference does it make? In this episode, Lou asks Greg and Mark to compare the scores a scratch golfer will make when he hits vs misses the green from 125 in the fairway. And this one is a performance for the history books for one of the two competitors. Each of these will be a mini-episode (10-15 minutes long) about an interesting golf stat. We will discuss what you can learn, and most importantly, how you can apply this on the golf course to lower your scores and lower your handicap. Listen on your drive to the golf course or over your Saturday morning coffee! Data is sourced from Arccos Golf. They have over 1 BILLION shots in their database.  Check them out at: https://www.arccosgolf.com/  Use code MARK15 for 15% off! Where to find us: Mark Crossfield's weekly newsletter: https://www.crossfieldgolf.com/subscribe Mark Crossfield on Twitter: https://twitter.com/4golfonline Mark Crossfield on YouTube: https://www.youtube.com/user/4golfonline Lou Stagner's weekly newsletter: https://newsletter.loustagnergolf.com/subscribe Lou Stagner on Twitter: https://twitter.com/LouStagner Greg Chalmers on Twitter: https://twitter.com/GregChalmersPGA Learn more about your ad choices. Visit megaphone.fm/adchoices

In our 100th episode of The Beacon Way Podcast, we're celebrating a milestone by digging into something that changed everything for our guest: data.Host Adrienne Wilkerson sits down with founder and clinical director of the Center for Intimacy & Relationships, Camille Espinoza, to talk about how tracking team metrics and understanding what actually drives success helped her improve client outcomes, boost team morale, and make better leadership decisions.Whether you're running a clinic, leading a creative team, or just trying to make sense of chaos—this episode will show you the power of data-informed leadership (and how to start small).Thank you for supporting The Beacon Way through 100 episodes! Here's to the next 100.

“AI is moving faster than your organization, and no, pilots don't count as a plan.” — Mike BrewerEvery multifamily PMC wants a great AI story to tell! Here is the version you don't want to tell. Or, worse, you don't want to acknowledge. Even worse, the one you're oblivious to. Don't fret, there is hope; most PMCs aren't unprepared. Wait, I lied; it's past time to worry; they're misprepared. Break the glass and pull the alarm! All of them!Over the past several years, primarily due in part to supplier partners (no ill intent meant to these fine humans) adding AI features to their core products! Or in some cases as a marketing tagline. But, I digress. PMCs have adopted AI like it's a tool. Not a transformation. A pilot here. A dashboard there. But under the hood? No structure. No systems. No real muscle for iteration – read humans that are open to change.Make no mistake, Multifamily and thus PMCs are sprinting toward an AI-infused future. The problem is they are still running in the shoes Jim Thorpe made famous at the 1912 Stockholm Olympics.Not meant as a metaphor, but as a diagnosis and more importantly a warning! Get a new pair of track shoes and lace them up tight because this is the most critical sprint your PMC will ever run! The time is NOW!AI adoption is moving at breakneck speed. But the operational backbone that supports it is made of processes, people, decision rights, and data structures. And that backbone is fragmented. It is outdated. In many cases, it is dangerously unaware.Most PMCs do not have a centralized AI team. No one owns the roadmap. No one owns the feedback loop. No one owns the ethics. No one owns the scale. No one owns the failure modes. So when something breaks or when it scales without oversight, there is no hand on the wheel.Brutal TruthAI does not reward experimentation. It rewards orchestration. We are not talking about a SaaS install. It is an operating model shift (this is the punchline to wrap your head around) – Call it a TINA problem. Unless you restructure your organization to keep pace with the pace and pattern of AI's evolution, you are not building a competitive advantage. You are creating what the tech industry calls, technical debt.I'm calling it a readiness gap.The symptoms are already appearing everywhere. Data pipelines are bottlenecking innovation. Frontline teams are stuck interpreting dashboards they do not trust. AI recommendations are ignored because they are not connected to real decision flows. The executive suite is playing with ChatGPT while the real leverage dies in committee.You can't close the readiness gap with more AI tools. You must be thoughtful, intentional, and strategic. And most of all committed!!You need an AI command center. It must be cross-functional. It must cut across silos. It must be culturally embedded. It must own education, integration, and experimentation. This cannot be a shadow IT project. It must be a strategic organ of the business. Most importantly, they must have a voice at the table that carries real responsibility, accountability, and authority.Start with your operating rhythm. If AI decisions are made at the edge without feedback loops into core planning, you're sprinting blindfolded with both arms tied behind your back. If your data foundation is not layered, labeled, and leveraged across every team, then your thinking is wishful and hopeful. If your frontline is not trained to trust and verify AI outputs, you will hit a stalling point.The next 12 months will define the next 12 years.And this transformation will be won by the early integrators and orchestrators.Runners, take your Mark! https://www.multifamilycollective.com

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 3408: Nick Maggiulli unpacks the rise and downfall of Atlas Trading, a group of financial influencers charged with running a $100 million pump-and-dump scheme. Through this cautionary tale, and a parallel story of extreme legal risk-taking, he exposes the dangerous allure of quick profits, while reminding us that the real pros in finance aren't making headlines; they're quietly doing honest work. Read along with the original article(s) here: https://ofdollarsanddata.com/trading-games/ Quotes to ponder: “Do not use followers as exit liquidity. Do not flex, or entice others to do your trades. Do not lie.” “The more risk you take, the more likely you are to see an extreme outcome (to the upside or the downside).” “In the game of trading, the only winning move is not to play.” Episode references: Jason Zweig – The Intelligent Investor column: https://www.wsj.com/news/author/jason-zweig SEC lawsuit press release: https://www.sec.gov/news/press-release/2022-219 Learn more about your ad choices. Visit megaphone.fm/adchoices

ITB analytics expert Sam Finkel joins ITB host Geoff Mosher to go deep into the analytics of the Eagles' 13-12 win over the Commanders in Week 17.► Subscribe to our Patreon Channel for exclusive information not seen or heard anywhere else and become among smartest Birds fans out there (just ask our members!!) + get all of our shows commercial free!!https://www.patreon.com/insidethebirds► Sign up for our newsletter! • Visit http://eepurl.com/hZU4_n.►Support our sponsors!!► Simpli Safe Home Alert System: https://simplisafe.com/BIRDS for 60% OFF!► Camden Apothecary: https://camdenapothecary.com/► Soul Out of Office Gummies: https://getsoul.com. Use Promo Code: BIRDS for 30% off► Sky Motor Cars: https://www.skymotorcars.com/Follow the Hosts!► Follow our Podcast on Twitter: https://twitter.com/InsideBirds► Follow Geoff Mosher on Twitter: https://twitter.com/geoffpmosher► Follow Adam Caplan on Twitter: https://twitter.com/caplannfl► Follow Sam Finkel on Twitter: https://twitter.com/sam_finkelNFL insider veterans take an in-depth look that no other show can offer! Be sure to subscribe to stay up to date with the latest news, rumors, and discussions.For more, be sure to check out our official website: https://www.insidethebirds.com.

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Dr. Thomas Hemingway reviews the 10 most Powerful Health Tips of 2025 so you can Immediately incorporate them into your life and make 2026 your Best Year Ever!Have a Listen and SHARE with a friend!**JOIN DR. HEMINGWAY LIVE in-person at ALIGN AWAKEN!  Event in  Sunny San Diego, Jan 22-25, 2026!Join my Free Masterclass on Midlife Hormones, "Why You Don't Feel like Yourself anymore and What to Do about it!"*ACCESS my FREE workshop, "GET 10 Years Younger, Stronger, and Sharper"  How to turn back your biological age 10-20 years so you can do the things you want to do that you no longer thought possible due to your age.  Perform at your best and live your best life!*And, in my new Performance, and Longevity medical practice we specialize in turning back your biological age and OPTIMIZING HORMONES so you can feel a decade or more younger so you can do the things you want to do that you thought were no longer possible due to your age.  Join the waitlist here!*SHARE with a Friend and please drop a Review:)*Don't wait to Prioritize your health, Start Today with the Simple and Powerful Steps detailed in my Best-selling book.*GET DIRECT ACCESS to DR. HEMINGWAY in these AMAZING COURSES!**Free resource: 'The truth about GLP-1s and their alternatives' - https://drthomashemingway.myflodesk.com/n1yyjkcb68Mahalo and Aloha andTo your health,

In this episode of Ship Happens, Brad Guinane (CRO, SONAR) and Julie Van De Kamp (CCO, SONAR) sit down with industry leaders to discuss the current state of logistics and their outlook for 2026. Recorded during the annual F3 Event, this episode features interviews with: Ryan Sharp, Senior Manager of Logistics Strategy at Nevados Engineering Josh McGrath, North American Logistics & Transportation Purchasing Senior Manager at Electrolux Brendan Stinson, Director of Transportation Services at Shaw Industries Key Topics Include: The Power of Data: How shippers are moving away from siloed operations to leverage real-time data for better negotiations and predictive analysis. Market Volatility & Tariffs: Strategies for navigating fluctuating market conditions and the shifting landscape of international tariffs. 2026 Market Predictions: Expert takes on when the freight market will reach equilibrium and the potential for a drop in capacity later this year. Handling the Unexpected: Guests share their "Ship Happens" moments—from navigating supply chain disruptions during COVID-19 to managing the fallout of a major bridge collapse in Baltimore. Learn how the implementation of ERP and CRM integrations with SONAR data is giving companies a strategic advantage in an increasingly complex global supply chain. Learn more about your ad choices. Visit megaphone.fm/adchoices

In Part 3 of Bruce Norris' conversation with Sean O'Toole, they explore how autonomous learning and emerging “world models” could reshape artificial intelligence, the true impact of robots on the workforce, and what technologies like 3D-printed housing and blockchain may mean for the future. Sean also explains why AI should be used to amplify human potential — not replace it. Sean OToole is CEO & Founder of PropertyRadar, the property data and owner information platform real estate pros have trusted since 2007 to do billions of dollars in deals.Sean got his start with data in Silicon Valley during the dot-com boom. After the dot-com bubble, Sean flipped properties for five years, and with data-informed insights, got out right before the housing bubble burst.Sean launched ForeclosureRadar in early 2007 before anyone had heard of the foreclosure crisis.In 2013, he relaunched ForeclosureRadar as PropertyRadar, a greatly expanded property data and owner information platform serving a broad audience of real estate professionals and property-centric businesses.Today, PropertyRadar remains the go-to platform for data-driven real professionals intent on leveraging comprehensive property data and owner information to grow their business directly.In this episode:How autonomous learning and “world models” could push AI beyond today's large language models.Why early breakthroughs in AI are already outperforming expectations.The real impact of robots on the workforce — separating hype from reality.Exploring the future of housing through 3D printing and manufactured homes.Sean's take on Bitcoin, stablecoins, and blockchain technology.Why AI should be seen as a productivity tool, not a replacement for people.The Norris Group originates and services loans in California and Florida under California DRE License 01219911, Florida Mortgage Lender License 1577, and NMLS License 1623669.  For more information on hard money lending, go www.thenorrisgroup.com and click the Hard Money tab.Video LinkRadio Show

Stocks start 2026 on a four-day skid after another drop Wednesday amid little news. Trading could be light between the holiday and the weekend. No major data or earnings are due.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.(0131-0126) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What if your hearing aid could listen to you, read the room, and fix the problem before your next appointment? We explore Omega AI's newest leap—Telehear AI—and how on‑device intelligence lets people request help in real time when noise, wind, or tricky spaces get in the way. Instead of waiting days for a follow‑up, users can compare new settings with their originals, choose what feels best, and keep moving, while clinicians still see the changes and refine care. This feature, of course, does not replace the role of the hearing care professional. We go deep on the sound engine first—directionality, spatial awareness, and DNN‑driven scene detection—because clarity is still the heart of hearing care. Then we widen the lens: fall detection keeps evolving, Balance Builder supports everyday stability, and translation is taking shape as a practical tool to bridge conversations. The dream of “Jarvis in your ear” starts to feel real when the hearing aid becomes a daily assistant that protects, informs, and adapts without adding friction. Comfort matters too; lighter, more discreet devices make it easy to forget you're wearing them, right up until they save the moment.Data is the quiet force behind these wins. Smarter data logging breaks listening lives into patterns that clinicians can act on—who's in wind all day, who's stuck in high noise, who's wearing less than they say. Those insights reduce returns, raise satisfaction, and turn fittings into living plans. We also share a candid look at where this is heading: a convergence of digital and traditional care where professionals remain central, devices handle minor tweaks on the fly, and the ear becomes a true superpower for communication, safety, and independence.If this vision resonates, follow the show, share it with someone who loves great audio tech, and leave a quick review telling us which feature you want next. Your feedback helps shape where we go from here.Connect with the Hearing Matters Podcast TeamEmail: hearingmatterspodcast@gmail.com Instagram: @hearing_matters_podcast Facebook: Hearing Matters Podcast

In this episode of "The Free Lawyer," host Gary interviews Bo Royal, a former Fortune 500 marketing executive who successfully transitioned to legal marketing. Bo shares how he quadrupled online case volume at a major Philadelphia injury law firm by implementing data-driven strategies and shifting focus from traditional to digital channels. He discusses the importance of tracking, intake systems, and operational readiness for law firms, and explains how his company, Pareto Legal, helps firms build robust case pipelines. The episode offers practical insights for maximizing marketing efficiency and leveraging digital tools to drive sustainable law firm growth.Bo Royal is a former Fortune 500 agency exec who spent over a decade scaling online revenues for iconic brands like Calvin Klein, GNC, Sallie Mae, and Kate Spade New York. After leaving the corporate grind, he took the helm at a top Philadelphia injury law firm, supercharging its online case volume by fourfold through data-driven decisions and relentless focus. His journey from high-stakes agency work to legal marketing quickly established him as an industry expert with a knack for results.Now, as an advisory board member at that very firm—thriving with eight-figure revenues and 12 office locations across Pennsylvania—Bo drives innovation at Pareto Legal. His team empowers small and medium-sized law firms to secure seven- to eight-figure case pipelines by leveraging real-world experience and smart digital strategies. When he's not optimizing campaigns, Bo shares his marketing insights on podcasts and uses his success to give back to the community.Bo's Transition from Corporate to Legal Marketing (00:02:05) Initial Surprises in Legal Marketing (00:03:59) Diagnosing and Transforming the Law Firm's Marketing (00:05:49) Shifting from Traditional to Digital Marketing (00:08:35)Earned vs. Unearned Case Pipeline (00:10:41) OTT and Modern Advertising Explained (00:12:13) Importance of Data-Driven Decision Making (00:13:19)Implementing a Culture of Data and Change (00:15:45) Pareto Legal's Differentiated Approach (00:18:22) Assessing Firm Readiness for Digital Marketing (00:22:06) Vanity Metrics vs. Real Results (00:25:39) Holistic Marketing Efficiency and Attribution (00:27:52) The Hawthorne Effect and Tracking Benefits (00:32:06) Current Trends and AI in Legal Marketing (00:33:49)You can find The Free Lawyer Assessment here- https://www.garymiles.net/the-free-lawyer-assessmentWould you like to learn what it looks like to become a truly Free Lawyer? You can schedule a complimentary call here: https://calendly.com/garymiles-successcoach/one-one-discovery-callWould you like to learn more about Breaking Free or order your copy? https://www.garymiles.net/break-free

Most law firm owners say they want to “plan better” for the new year, but very few actually know how to read their data in a way that leads to real change.In this episode, Richard James breaks down how to keep score in both your business and your life, so you can stop reacting and start planning with intention. Instead of chasing goals blindly, you'll learn how to track the right metrics across your firm's four core pipelines and use that information to make smarter decisions going into the new year.From time and energy to health, habits, and focus, the same discipline that creates clarity in life creates leverage in your law firm. When you know where your time and money actually go, the next move becomes obvious.Keeping score isn't about comparison. It's about visibility. And visibility is what allows you to build a better firm and a better life, one intentional decision at a time.If this is something you'd like to learn more about, visit us at https://thelawfirmsecret.com

Your car doesn't just drive anymore.It stores data, connects to your phone, tracks locations, and communicates with the cloud. And according to cybersecurity expert Robert Siciliano, that makes modern vehicles—and the dealerships that sell and service them—prime targets for criminals. In this episode, we sit down with one of the most trusted voices in personal and digital security to unpack a reality most drivers aren't prepared for: cars are now computers on wheels.Robert has spent over 30 years investigating crime, identity theft, and cyber threats. He's appeared on CNN, CNBC, ABC, NBC, Fox News, and more—but today, the focus is on what every car owner, buyer, and dealer needs to understand right now. In this conversation, we break down:What data modern vehicles collectHow hackers exploit connected car systemsWhy dealerships are attractive cyber targetsThe hidden risks tied to apps, EVs, and remote accessSimple steps drivers can take to protect themselvesIf you own a car, plan to buy one, or work in the auto industry, this conversation isn't optional—it's essential.

In this episode of PayTalk, we're joined by Steve Hodgson, CPP, CPTD, and PayrollOrg's Director of Learning and Development, who shares insights from PayrollOrg's latest biennial payroll industry report. Steve explores how the payroll profession is evolving, discussing the increasing value of professional certifications, direct deposit adoption challenges, and emerging global payroll trends. We also cover compensation patterns, technology adoption, and career advancement strategies for payroll professionals navigating an ever-changing landscape. Do you have thoughts or questions about the payroll industry report findings or career development in payroll? We want to hear from you! Join the conversation by reaching out via email at podcasts@payroll.org or sending a message to the PayrollOrg Facebook page.

This week, I wrap up the year with a review of NFL streaming during the holiday week across Netflix, Prime Video, ESPN and Peacock, with no major QoE issues reported. I also highlight ESPN's data-enhanced MNF telecast, featuring a well-designed stats overlay that was informative and not obtrusive. Finally, I wrap up with a few news items from Amazon, Sling TV, and Netflix, a recap of traffic to my posts, and a thank you to readers and listeners for what has been 30 years for me in the streaming media industry.Podcast produced by Security Halt Media

Four mighty kings wage war against five. They crush armies, wipe out giants, conquer cities. When the fighting ends, Lot has been taken captive.A fugitive named Og brings Abraham the news. Abraham has hundreds of students in his study hall. He shuts it down and prepares for war. But when he asks the traditional pre-battle questions—Are you newly married? Built a house? Planted a vineyard? Afraid you've sinned?—every single student says yes. They all decline to fight.Abraham heads into battle with just his servant Eliezer. Two men against the armies that defeated giants.Rabbi Epstein reveals how Abraham won: he threw sand and dirt, and G-d turned it into arrows and spears. But the episode explores something deeper. Abraham was doing the right thing by rescuing his nephew. So why was he later rebuked for this mission? And how did that rebuke lead directly to 400 years of slavery in Egypt?You'll discover why Abraham stopped his pursuit at the city of Dan, what vision drained his strength so completely he couldn't continue, and why the Talmud says this battle happened on Passover night. The miraculous night was split in two: half spent rescuing Lot, half reserved for the future Exodus from Egypt.Which raises the most haunting question of all: What made Lot worth saving? He'd chosen wealth over righteousness, pitched his tent toward Sodom, and wasn't even part of the Jewish people. Why spend half a miraculous night on him?This is about impossible battles, divine intervention, and the hidden consequences when we do the right thing the wrong way.

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 3408: Nick Maggiulli unpacks the rise and downfall of Atlas Trading, a group of financial influencers charged with running a $100 million pump-and-dump scheme. Through this cautionary tale, and a parallel story of extreme legal risk-taking, he exposes the dangerous allure of quick profits, while reminding us that the real pros in finance aren't making headlines; they're quietly doing honest work. Read along with the original article(s) here: https://ofdollarsanddata.com/trading-games/ Quotes to ponder: “Do not use followers as exit liquidity. Do not flex, or entice others to do your trades. Do not lie.” “The more risk you take, the more likely you are to see an extreme outcome (to the upside or the downside).” “In the game of trading, the only winning move is not to play.” Episode references: Jason Zweig – The Intelligent Investor column: https://www.wsj.com/news/author/jason-zweig SEC lawsuit press release: https://www.sec.gov/news/press-release/2022-219 Learn more about your ad choices. Visit megaphone.fm/adchoices

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

What actually shapes life in retirement—your finances, your relationships, or both? In this episode of the Retire Sooner Podcast, Wes Moss and Christa DiBiase walk through new research on happiness in retirement and unpack several financial and economic topics that often come up in retirement planning conversations. • Share findings from a 2025 Money and Happiness in America study that looks at how social connection is commonly linked to reported retirement satisfaction. • Talk through research showing how the number of close personal relationships is often discussed when measuring happiness among retirees. • Reflect on how American friendships have changed over time and why staying socially connected is frequently part of retirement lifestyle discussions. • Put into context recent government jobs reports by explaining what unemployment and labor-market numbers generally indicate. • Walk through estate-planning considerations around life insurance, guardians, and trustees that many families review over time. • Cover the core factors people often look at when evaluating bond funds, including yield, duration, expenses, and benchmarks. • Discuss how Roth IRAs, traditional IRAs, brokerage accounts, and HELOCs are commonly weighed when addressing short-term cash needs during real-estate transitions. • Answer listener questions about Roth IRA contributions, in-plan conversions, account-funding priorities, and retirement-plan considerations when changing jobs. The episode keeps the focus on education, context, and real-world questions retirees and pre-retirees are already asking. Listen and subscribe to the Retire Sooner Podcast for ongoing conversations that connect money, lifestyle, and long-term planning—without the hype. Learn more about your ad choices. Visit megaphone.fm/adchoices

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...........................................................................

In this final episode of 2025, Drew Brucker and Rory Flynn zoom out to dissect what actually mattered this year across Midjourney, Nano Banana Pro, ChatGPT Image 1.5, Weavy, video models, workflows, and the uncomfortable truth about how fast all of this is moving.They unpack the real inflection points no one labeled at the time. Why March quietly changed everything. Why Nano Banana Pro rewired image editing expectations. Why Veo 3 reset video. Why Midjourney still feels magicalWhy workflows (not models) are becoming the real creative advantage.Along the way, they spiral into mood boards, personalization hacks, node-based systems, AI video limitations, why Hollywood feels creatively bankrupt, how Grok quietly became a research weapon, and why Midjourney's next move might determine whether it stays an artist's playground or becomes a professional tool.It's opinionated. It's nerdy. It's honest. It's occasionally unhinged.And it's the clearest snapshot of where AI creativity actually stands heading into 2026.If you're trying to keep up, slow down, or figure out where to place your bets next year, this episode is your unfair advantage.---⏱️ Midjourney Fast Hour00:00 – Episode 60 kickoff and end-of-year reflections01:50 – From niche experiment to mainstream behavior04:00 – AI finally reaches non-technical families06:18 – Why working solo in AI can feel isolating09:03 – Music, creativity, and early signs of AI music adoption11:02 – How fast AI actually shipped in 202512:14 – 100+ major releases and why that number matters13:01 – The real start of image editing workflows14:46 – March 2025 was the quiet inflection point16:06 – Multi-modal chat changed prompting forever19:20 – Veo 3 and why video suddenly jumped ahead21:41 – Why Google quietly dominated 202523:00 – Why hype cycles now last 48 hours23:51 – Nano Banana Pro and precision image control26:02 – Grok as a real-time research engine27:49 – Why physics in AI video finally started working29:12 – Nodes, workflows, and why visualization matters30:26 – Why Nano Banana Pro felt like “AGI for images”31:26 – Will 2026 move even faster?32:25 – Release cadence, VC pressure, and reality checks34:03 – Images vs video: who's actually ahead36:18 – Why Grok might be the sleeper winner38:36 – Data, platforms, and why distribution matters41:28 – Consolidation and acquisitions are coming44:14 – What Midjourney must do next45:23 – Image editing as the make-or-break feature48:43 – Workflow fatigue and creative burnout52:50 – Personalization, mood boards, and creative joy56:44 – Why mood boards drove the best work of 202559:12 – Personalization profiles vs mood boards01:00:43 – Why Midjourney still feels different01:02:27 – Scale, permutations, and professional use cases01:06:36 – Resolution, editing, and real production constraints01:10:22 – Why small failures still matter01:13:00 – Hollywood, creativity, and AI backlash01:17:17 – Why creators beat platforms01:22:25 – Audio and voice as the next bottleneck01:23:55 – Constraint-driven prompting in 202601:30:14 – Looking back at January vs now01:38:23 – Final predictions and advice for 202601:42:34 – Season two wrap and sign-off

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

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

In this episode of Data in Biotech, Ross Katz chats with Mitra Mosharraf, Chief Scientific Officer at HTD Biosystems, about how AI and machine learning are revolutionizing nanomedicine. They explore the use of AI in drug discovery, formulation, manufacturing, and clinical development, highlighting how data-driven strategies are improving safety, reducing costs, and enabling more personalized therapies in the biotech space. What you'll learn in this episode: >> How AI and ML reduce costs and increase success rates in nanomedicine development. >> Key challenges in nano drug delivery and how machine learning helps overcome them. >> How HTD Biosystems' iFormulate platform speeds up formulation with predictive modeling. >> How wearables and real-time data are reshaping clinical trial design. >> The future of personalized and automated drug delivery systems. Meet our guest Mitra Mosharraf is the Chief Scientific Officer at HTD Biosystems and co-founder of Engimata Inc. With 20+ years of experience, she leads innovation in biologics, nanomedicine, and lipid-based delivery systems. Mitra is a recognized thought leader in pharmaceutical sciences. About the host Ross Katz is Principal and Data Science Lead at CorrDyn. Ross specializes in building intelligent data systems that empower biotech and healthcare organizations to extract insights and drive innovation. Connect with Our Guest: Sponsor: CorrDyn, a data consultancyConnect with Mitra Mosharraf on LinkedIn  Connect with Us: Follow the podcast for more insightful discussions on the latest in biotech and data science.Subscribe and leave a review if you enjoyed this episode!Connect with Ross Katz on LinkedIn Sponsored by… This episode is brought to you by CorrDyn, the leader in data-driven solutions for biotech and healthcare. Discover how CorrDyn is helping organizations turn data into breakthroughs at CorrDyn.

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)

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.