Podcasts about Disclose

Is it appropriate to disclose confidential information? Are there limits to confidentiality?  Seven best practices to help clergy maximize the benefits of confidentiality and limit potential liabilities. 

D4 Session 190: Deformed Denizens Disclose Data by D4

The podcast has been on a bit of a hiatus as I have been dealing with a stressful time of my own. In this episode I share how I decide what to share with clients and the podcast audience about my life and challenges. I also share what some of the coping skills that have been helping me are. --- Send in a voice message: https://podcasters.spotify.com/pod/show/daniel-j-maigler/message

Liberty Dispatch ~ September 14, 2023 In this episode, hosts Andrew and Matthew are joined by Josh Alexander to discuss his upcoming events and recent legal victory. They also give a post-mortem of the CPC convention, the impotence of feckless Christ-less conservatism, and the Canadian government's continued push to centre the COVID crisis. [Segment 1] - Interview ft. Josh Alexander: Josh Alexander's Twitter: https://twitter.com/officialJosh_A; Save Canada Linktree: https://linktr.ee/save_canada; Court Document (Josh Alexander v. RCCDSB): https://libertycoalitioncanada.com/wp-content/uploads/2023/01/Josh-Alexander-v-RCCDSB-2023-ONSC-4962-August-31-2023.pdf; [Segment 2] - CPC PUTS THE "CON" IN CONSERVATIVE: "Conservatives Push Back Against Woke Ideology at Quebec Convention" | TNC News: https://tnc.news/2023/09/12/conservatives-push-back-against-woke-ideology-at-quebec-convention; "Conservative Party of Canada Approves Slew of Pro-Family Policies at National Convention" | LifeSiteNews: https://www.lifesitenews.com/news/conservative-party-of-canada-approves-slew-of-pro-family-policies-at-national-convention; "Transgender Conservative Candidate Says Vote Against Gender-Affirming" | The Globe and Mail: https://www.theglobeandmail.com/canada/article-transgender-conservative-candidate-says-vote-against-gender-affirming; YouTube Video Embed: https://www.youtube.com/embed/o5VOp1RC1O8; "It's a Privilege, Not a Right, to Know Your Kid's Gender Identity" | The Star (Opinion): https://www.thestar.com/opinion/contributors/it-s-a-privilege-not-a-right-to-know-your-kid-s-gender-identity/article_b35628fa-5761-5087-b7a2-3db9dc49e2f2.html; [Segment 3] - MORE COVID CRAZINESS: "Health Canada Approves Moderna COVID-19 Vaccine Targeting Omicron Subvariant" | Western Standard: https://www.westernstandard.news/news/updated-health-canada-approves-moderna-covid-19-vaccine-targeting-omicron-subvariant/article_28e66894-5194-11ee-9319-87a36267c6d3.html; TheCounterSignal's Tweet: https://twitter.com/TheCounterSgnl/status/1701633206930534682; TrueNorth Centre's Tweet: https://twitter.com/TrueNorthCentre/status/1701670160866705463; Disclose.tv's Tweet: https://twitter.com/disclosetv/status/1701682459467788557. UPCOMING EVENTS JOIN US  FOR: LIBERTY PODCASTS LIVE - Oct.23 @ Trinity Bible Chapel, Waterloo, ON: https://www.eventbrite.ca/e/liberty-dispatch-live-tickets-699808795947?aff=oddtdtcreator; & Oct. 24 - https://www.eventbrite.ca/e/liberty-lounge-live-tickets-701294319187?aff=oddtdtcreator; and... Spark Conference - Oct.31- Nov. 1: https://www.sparkconferences.org/; SUPPORT OUR LEGAL ADVOCACY - Help us defend Canadians' God-given rights and liberties: https://libertycoalitioncanada.com/donate/; https://libertycoalitioncanada.com/liberty-defense-fund/our-legal-strategy/; SHOW SPONSORS: Join Red Balloon Today!: https://www.redballoon.work/lcc;  Invest with Rocklinc: info@rocklinc.com or call them at 905-631-546;  Diversify Your Money with Bull Bitcoin: https://mission.bullbitcoin.com/lcc; BarterPay: https://barterpay.ca/;  Barter It: https://vip.barterit.ca/launch; Carpe Fide - "Seize the Faith": Store: https://carpe-fide.myshopify.com/, use Promo Code LCC10 for 10% off (US Store Only), or shop Canadian @ https://canadacarpefide.myshopify.com/ | Podcast: https://www.carpefide.com/episodes; Sick of Mainstream Media Lies? Help Support Independent Media! DONATE TO LCC TODAY!: https://libertycoalitioncanada.com/donate/   Please Support us in bringing you honest, truthful reporting and analysis from a Christian perspective. SUBSCRIBE TO OUR SHOWS/CHANNELS: LIBERTY DISPATCH PODCAST: https://libertydispatch.podbean.com; https://rumble.com/LDshow;  OPEN MIKE WITH MICHAEL THIESSEN: https://openmikewithmichaelthiessen.podbean.com; https://rumble.com/openmike; THE OTHER CLUB: https://rumble.com/c/c-2541984;  THE LIBERTY LOUNGE WITH TIM TYSOE: https://rumble.com/LLwTT; CONTACT US: Questions/comments about podcasts/news/analysis: mailbag@libertycoalitioncanada.com; Questions/comments about donations: give@libertycoalitioncanada.com; Questions/comments that are church-related: churches@libertycoalitioncanada.com; General Inquiries: info@libertycoalitioncanada.com.  STAY UP-TO-DATE ON ALL THINGS LCC: Gab: https://gab.com/libertycoalitioncanada  Telegram: https://t.me/libertycoalitioncanadanews  Instagram: https://instagram.com/libertycoalitioncanada  Facebook: https://facebook.com/LibertyCoalitionCanada  Twitter: @LibertyCCanada - https://twitter.com/LibertyCCanada  Rumble: https://rumble.com/user/LibertyCoalitionCanada  YouTube: https://www.youtube.com/@liberty4canada - WE GOT CANCELLED AGAIN!!! Please LIKE, SUBSCRIBE, RATE & REVIEW and SHARE it with others!

Liberty Dispatch ~ September 14, 2023In this episode, hosts Andrew and Matthew are joined by Josh Alexander to discuss his upcoming events and recent legal victory. They also give a post-mortem of the CPC convention, the impotence of feckless Christ-less conservatism, and the Canadian government's continued push to centre the COVID crisis.[Segment 1] - Interview ft. Josh Alexander:Josh Alexander's Twitter: https://twitter.com/officialJosh_A;Save Canada Linktree: https://linktr.ee/save_canada;Court Document (Josh Alexander v. RCCDSB): https://libertycoalitioncanada.com/wp-content/uploads/2023/01/Josh-Alexander-v-RCCDSB-2023-ONSC-4962-August-31-2023.pdf;[Segment 2] - CPC PUTS THE "CON" IN CONSERVATIVE:"Conservatives Push Back Against Woke Ideology at Quebec Convention" | TNC News: https://tnc.news/2023/09/12/conservatives-push-back-against-woke-ideology-at-quebec-convention;"Conservative Party of Canada Approves Slew of Pro-Family Policies at National Convention" | LifeSiteNews: https://www.lifesitenews.com/news/conservative-party-of-canada-approves-slew-of-pro-family-policies-at-national-convention;"Transgender Conservative Candidate Says Vote Against Gender-Affirming" | The Globe and Mail: https://www.theglobeandmail.com/canada/article-transgender-conservative-candidate-says-vote-against-gender-affirming;YouTube Video Embed: https://www.youtube.com/embed/o5VOp1RC1O8;"It's a Privilege, Not a Right, to Know Your Kid's Gender Identity" | The Star (Opinion): https://www.thestar.com/opinion/contributors/it-s-a-privilege-not-a-right-to-know-your-kid-s-gender-identity/article_b35628fa-5761-5087-b7a2-3db9dc49e2f2.html;[Segment 3] - MORE COVID CRAZINESS:"Health Canada Approves Moderna COVID-19 Vaccine Targeting Omicron Subvariant" | Western Standard: https://www.westernstandard.news/news/updated-health-canada-approves-moderna-covid-19-vaccine-targeting-omicron-subvariant/article_28e66894-5194-11ee-9319-87a36267c6d3.html;TheCounterSignal's Tweet: https://twitter.com/TheCounterSgnl/status/1701633206930534682;TrueNorth Centre's Tweet: https://twitter.com/TrueNorthCentre/status/1701670160866705463;Disclose.tv's Tweet: https://twitter.com/disclosetv/status/1701682459467788557. UPCOMING EVENTSJOIN US FOR:LIBERTY PODCASTS LIVE - Oct.23 @ Trinity Bible Chapel, Waterloo, ON: https://www.eventbrite.ca/e/liberty-dispatch-live-tickets-699808795947?aff=oddtdtcreator; & Oct. 24 - https://www.eventbrite.ca/e/liberty-lounge-live-tickets-701294319187?aff=oddtdtcreator;and...Spark Conference - Oct.31- Nov. 1: https://www.sparkconferences.org/;SUPPORT OUR LEGAL ADVOCACY - Help us defend Canadians' God-given rights and liberties: https://libertycoalitioncanada.com/donate/; https://libertycoalitioncanada.com/liberty-defense-fund/our-legal-strategy/;SHOW SPONSORS:Join Red Balloon Today!: https://www.redballoon.work/lcc; Invest with Rocklinc: info@rocklinc.com or call them at 905-631-546; Diversify Your Money with Bull Bitcoin: https://mission.bullbitcoin.com/lcc;BarterPay: https://barterpay.ca/; Barter It: https://vip.barterit.ca/launch; Carpe Fide - "Seize the Faith": Store: https://carpe-fide.myshopify.com/, use Promo Code LCC10 for 10% off (US Store Only), or shop Canadian @ https://canadacarpefide.myshopify.com/ | Podcast: https://www.carpefide.com/episodes;Sick of Mainstream Media Lies? Help Support Independent Media! DONATE TO LCC TODAY!: https://libertycoalitioncanada.com/donate/ Please Support us in bringing you honest, truthful reporting and analysis from a Christian perspective.SUBSCRIBE TO OUR SHOWS/CHANNELS:LIBERTY DISPATCH PODCAST: https://libertydispatch.podbean.com; https://rumble.com/LDshow; OPEN MIKE WITH MICHAEL THIESSEN: https://openmikewithmichaelthiessen.podbean.com; https://rumble.com/openmike;THE OTHER CLUB: https://rumble.com/c/c-2541984; THE LIBERTY LOUNGE WITH TIM TYSOE: https://rumble.com/LLwTT;CONTACT US:Questions/comments about podcasts/news/analysis: mailbag@libertycoalitioncanada.com;Questions/comments about donations: give@libertycoalitioncanada.com;Questions/comments that are church-related: churches@libertycoalitioncanada.com;General Inquiries: info@libertycoalitioncanada.com. STAY UP-TO-DATE ON ALL THINGS LCC:Gab: https://gab.com/libertycoalitioncanada Telegram: https://t.me/libertycoalitioncanadanews Instagram: https://instagram.com/libertycoalitioncanada Facebook: https://facebook.com/LibertyCoalitionCanada Twitter: @LibertyCCanada - https://twitter.com/LibertyCCanada Rumble: https://rumble.com/user/LibertyCoalitionCanada YouTube: https://www.youtube.com/@liberty4canada - WE GOT CANCELLED AGAIN!!! Please LIKE, SUBSCRIBE, RATE & REVIEW and SHARE it with others!

We are back after a brief hiatus to bring you all the latest news from across the globe from Labor Day until now! The news cycle is moving at a breakneck speed, and we hope you enjoy our takes on all the craziness our world has to offer. email us: thinkinglogicallypodcast@gmail.com

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One of the most extraordinary methods of building your list is doing affiliate webinars. This effective strategy not only helps with promoting your offers but also cultivates long-term partnerships with other entrepreneurs. Keep an eye out for business owners with products and services that complement yours. And you can work together in growing each other's brands while bringing solutions to people who need them. Tune in to this new episode of The Conscious Marketer podcast — Affiliate Webinars for List Building and Scaling Your Business. Key points covered in this episode: 00:00:00 Introduction 00:03:15 What is an affiliate webinar? It's a three-parter online meeting that you ask someone else to promote for you. Choose a partner that has your ideal clients so they can invite their audience to opt into your list. 00:07:29 Affiliates are a long-term strategy that can provide short-term results. It's a way to put your foot in the door of rooms that benefit your business. Connect with those who you want to promote you. Be genuine in wanting to provide value – and you'll be rewarded. 00:13:54 When to use affiliate webinars? There are three cases. You have an upcoming launch and have existing close partners. You have an affiliate and an evergreen offer. You know someone who has an offer that your audience would like. 00:17:09 Charge your commissions wisely. For automated offers, give 50%. For those with a live component, do 33%. For high-ticket programs, the standard is 10%. 00:18:26 Be honest about your affiliates. Disclose to your audience whenever you're receiving commissions. There are also some who don't want affiliate fees, so negotiate another form of exchange.  ———————————————————————————————— The Conscious Marketing Movement is all about building a community of conscious leaders, creators, and entrepreneurs.  CONNECT WITH US Join Richard and Kyle in their Facebook group so you can learn how to use conscious marketing in your business. The Marketers Path Facebook Group https://www.facebook.com/groups/themarketerspath Website: https://consciousmarketer.com/ SUBSCRIBE TO THE CONSCIOUS MARKETERS PODCAST New Episodes Released Every Thursday  

EP309 - Instacart IPO Filing  Warning: Given the complexity and breadth of topics, this is a longer than usual episode with a runtime of 90 minutes (if we had more time, we'd produce a shorter podcast). Update: In this episode Jason mentioned that he didn't think Instacart accepted SNAP payments. It turns out that Instacart did start accepting SNAP earlier this month. On Friday, August 25th 2023 Instacart filled its S-1 IPO form with the SEC, in advance of its intention to make an initial public offering. The complete filing is almost 400 pages. In this episode we summarize all the key points, including a number of surprises, in the filing. If you want to follow along with the actual S-1, you can download it here. Scot suggests you focus on pages 101-124. Topics Covered: Cover Page and Entry Level Items Overall Growth Trends 25:50 Unit economics 42:90 Cohort Analysis 48:10 Instacart Ads 56:30 The Big Risk/Concern 1:00:11 Other observations (Instacart+, Carrot Services, Generative AI) 1:22:50 Other episodes mentioned: Episode 255 - Instacart Chief Revenue Officer Seth Dallaire and Episode 224 Customer Cohort Analysis and CLV with Dr. Daniel McCarthy. Don't forget to like our facebook page, and if you enjoyed this episode please write us a review on itunes. Episode 309 of the Jason & Scot show was recorded on Tuesday, August 29, 2023. http://jasonandscot.com Join your hosts Jason "Retailgeek" Goldberg, Chief Commerce Strategy Officer at Publicis, and Scot Wingo, CEO of GetSpiffy and Co-Founder of ChannelAdvisor as they discuss the latest news and trends in the world of e-commerce and digital shopper marketing. Jason: [0:23] Welcome to the Jason and Scot show this is episode 309 being recorded on Tuesday August 29th I'm your host Jason retailgeek Goldberg and as usual I'm here with your co-host Scot Wingo. Scot: [0:38] Hey Jason and welcome back Jason and Scot show listeners. We are going to jump into the talk tonight because one of our most popular shows as you know Jason the format is a deep dive and we have got a great Deep dive for you guys this episode. Last Friday August 25th there was a very big event not only in our favorite world's grocery which is Jason's favorite world and my favorite world of e-commerce and then Jason's favorite world of. But also in my favorite world of startups so this is this is a pretty big event and we wanted to dedicate a complete episode to it. I mean it is the filing of the S14 instacart. [1:24] And just to set it up the you know in my world of start-up land it has been very hard to get an IPO done so there's been a couple post coated and like late 2020. And then summon 21 and then there's been a dry spell there's been something called a dese back so you have this spec which is this. [1:44] Special-purpose acquisition thing and you can kind of go public through this kind of complicated convoluted thing. Tends not to go very well so there's been some of that like in My World Mobility there is one called get around and there's been a couple others and those typically have not. Gone so well they're down like 95% bird the scooter company did this as well. So it's been a very dry IPO market for startups and thus of interior backed investors. So there has been a lot of anticipation around when is that a PO when they're going to open who's going to be brave enough to kind of stick their foot out there first. And you know a lot of people have been rooming that instacart would be out there there's a couple other companies in this kind of unicorn Stratosphere stripe is another one that we cover a lot on the show from the payments world. There's also the others you can think of Jason there's this one. There's a software one that is just doing really well in AI that's been mentioned a lot not not open AI it'll come to me in a minute. So you know so this is kind of the real. Bang the Big Bang of here's a company that is being brave enough they're gonna go first and we're going to see what happens so it's going to be really interesting and we thought because it hits this Venn diagram of all of our favorite things that we would spend a fair amount of time on. [3:10] So first of all this is a 400 page document so our value add to the listeners is we have distilled it down into what we think are the most interesting little tidbits and some of the things we've learned from instacart it is nice because there's been a lot of rumors about how instacart Economics work and Jason has been tracking their ad piece which is you know cpgs have really seen some really nice results from that so we know that's been active and the areas we picked apart we thought we would cover tonight is I wanted to kind of give you a quick and dirty Scott's guide to reading an s-1 and we'll start at the cover page that's there's actually a lot that happens on the cover page so I want to spend a little time there and kind of give you a little I haven't taken a company poet behind the scenes of what's going on on there and then we're going to talk about some of the overall growth things that just kind of help you understand. [4:07] How to think about instacart how they're growing and what they do and what role they play and then unit economics one of the things that is happening more and more in these s1's is they're doing a more comprehensive cohort analysis and this is basically showing hey if if I car to a customer in a certain period how are they doing now and what are those Trends so that this this had a lot going on there of course we want to talk about the ad business and then little bit of a catch-all for other observations, Jason anything I missed before we jump into the cover page. Jason: [4:42] No I think you mostly covered it just one slight correction it's four of our five favorite things for those listeners that tuned in to hear us talk about Ahsoka we're going to do that on an upcoming episode so that Star Wars would be our fifth. Scot: [4:56] Yes sadly there was no Star Wars in this one so it's that one little part of the over the Venn diagram was left is its own little circle out in space. Jason: [5:06] That's a we call that a teaser for a future episode. Scot: [5:09] Yeah yeah we're we're Pros were 300-plus episodes into this thing and this is the kind of you know Pro level that we deliver on the pod. So you guys missed it Jason forgot to plug in his microphone earlier so that's a yeah we're still still learning every day, so when you open an s-1 the first thing you see is the cover page and it you know a lot of people just Breeze by it because it's a cover page but it has a lot of really valuable information so first of all the first thing that I noticed is I was searching for this on Edgar and I kept typing in instacart and it wouldn't show up and I was like WTH I know this s1's out there why can I not find it and then I saw an article and it said oh the company's real name is maple bear so that's the first thing you see on the cover is the company we all refer to as instacart its actual Corporation name is maple bear and it does business as instacart so I thought I did not know that prior so that was the first thing I learned right there on the cover so that's interesting so if you do go to the will put a link to the s-1 in the show notes but if you do Brave the Edgar SEC database yourself throwing a little Maple bear there and not instacart. Jason: [6:22] Not to be confused with Amazon's house brand Mama Bear. Scot: [6:26] Yeah yeah and I'm sure there's a honey bear and brown bears there's a there's a lot of a lot of bear things going on. The other thing that I was like to see is what symbol are they using I think it's fun to kind of you know as an entrepreneur to kind of think about what symbol you're going to use that best personifies your brand Channel Bowser we had ecom's so that was an exciting one so we captured e-commerce Shopify go. Jason: [6:52] The best ticker symbol of all times by the way. Scot: [6:55] Thank you thanks thanks I appreciate it. Shopify head shop and that was a good one and instacart / Maple bear is going with cart so I think that's a that's a that's a pretty nice one you know it kind of there a multi grocer chart cart and we all think about instacart I'm sure they hate being called Instagram so this kind of like really punches on the cart so maybe they get away from everyone mistakenly calm Instagram. Jason: [7:19] I think it's solid. Scot: [7:20] Yeah A-Plus on the symbol and then in the you'll notice that a lot of the evaluations and how many shares they're selling are blank and that's you know in this draft of this one which is the first kind of public one that they're dropping out there they'll they'll iterate a couple more times they'll do their Roadshow and then write one that, it prices they'll update the S12 include all that information so they'll make kind of literally a game day decision the night before IPO of how much based on the order book how much they want to sell and at what price so that, that's going to be blank through probably several more iterations as we go on then this is did you want to do something in. Jason: [8:04] No I was just I was just thinking that they I assume they left it blank because the underwriters were out of practice. Scot: [8:10] Yeah no no they they are there waiting and that's a good point because when you go public the the companies that take you public in this context they're all investment banks on Wall Street. But they they filled this role of Underwriters and basically what they're doing is they're acting as market makers they're going to cover your stock when it's public and they're also going to be basically pounding the pavement to sell your stock to buy side by side analysts and firms on Wall Street. Which there's two buckets of there's mutual funds and hedge funds there's also retail that I guess there's three buckets, retail would be you log into Schwab or Robin Hood and the diet of the IPO you try to buy some chairs that's retail and they all allocate a little bit of that for the IPO so they like retail to come in and get a little taste. [9:04] A lot of folks that if you're an accredited investor at an institution and you have a wealth manager, sometimes you can get a little bit of access to an IPO before it prices you don't get a special price or anything but you can if you're really excited and you're a retail customer you and you're in this kind of wealthy bucket then you can you can get some allocated shares I think is what they call it these call this friends and family they don't call that, that anymore that's called a allocated shares but what's important about the underwriters is there's actually a signal there several signals here and I didn't know this time went through the process. First of all they have lined up a who's who of investors so even before you get to Underwriters they have this really interesting note right before right underneath before they get in the underwriters and they say oh by the way we have lined up these investors already that have committed to buying and they have committed Asterix and then they kind of like take away the committed but. [10:05] I think that's a legality I think I think it's a pretty hard commitment is my reading of them and they basically say these guys are already these guys have lined up to buy at least 400 million in this offering. Regardless of the price and there's some big names in there there what I would call. Public-private so they have invested in instacart already as a private entity and then they have another side of there. Firm that invest in public entities and they have said that side is going to support the private side and that's nor just Bank tcv. [10:38] Sequoia and a couple others this is very unusual but I think it's an interesting play because it basically says to the market. Hey you don't have to worry about this thing you know taking on the first day because we're going to were signaling to you we're going to place a chunk of this with these folks that are long-term holders and they're going to backstop this thing I think of it as a adding a floor to the IPO basically saying we know it's been a while we know there's risk out there we're going to have a floor on this so so there's built-in demand for this IPO so that's quite unusual and this is the first time I've ever seen anything like that sometimes you'll see tiro price is a big one a big mutual fund that likes to do this or they'll have a private-public and they'll say you know they'll kind of suggests that, they're interested in buying more and they'll come out and say they don't plan to sell or they've accepted a lock up for a year or something like that I've never seen such a strong message as this one so I thought that was interesting. Okay then we move to the bottom of the cover and that's where you have the list of the underwriters and what's really interesting is the way this works is the bigger your font the bigger a role you play in the IPO so on this one the biggest font is Goldman Sachs and JP Morgan and you know they have I don't know what would you say Jason like a 40 Point font. Your. Jason: [12:03] Yeah I had to read it with my my PDF zoomed way up so I feel like I yeah but it was a big font. Scot: [12:11] Yeah yeah so those guys get like a you know they're kind of really big and then what's also interesting is where you show up on the page is important so your importance starts at the left and goes down to the right so the most important what we would call the vernacular is the lead left which is the biggest font on the left side of the cover is the lead Investment Bank and as Goldman Sachs and they're they're The Bluest of Blue Chips everyone wants Goldman Sachs if they come out. [12:37] And then usually you want either JP Morgan or Morgan Stanley now JPMorgan has increased greatly and stature over the last three years because they have weathered coded and they have basically absorbed most of Silicon Valley Bank's deposits and a lot of these other riskier Banks and their CEO is pretty famous Jamie dimon so they've this is kind of you know two blue tips on the top of the book here which is pretty interesting and then, then you kind of go down a bit and you end up with 18 more Underwriters and there's like three levels of them there's like the font gets smaller so you go from 40 point to 20 point then you go to like kind of like 15 point and you go to seven point and you know what's interesting is I have never seen this many Underwriters either so they basically have said we want everyone on Wall Street lined to go and help us sell this we will turn no Rock no Rock will be unturned looking for buyers of instacart stock with the institutional investors. There's some International Players so they've basically if you kind of said if you if you. [13:53] Few War Room doubt what are some things a company could do 2D risk an IPO they have done things I've never seen before times like three and then the last thing that's interesting is the economics each of these Banks gets kind of depends on where they are on the page so you know if it all this gets him to like, there's all this Machinery but these guys do it because they make money so Goldman will make their kind of highest percentage and then JPMorgan and so on and so on based on how much they contribute to the book and all this kind of calculus that goes on behind the scenes so I thought that was kind of a really interesting just on the cover some things that were very unusual from other IPOs I've seen Jason anything that you found on the cover that was riveting. Jason: [14:43] We'll know I did. I have a question for you though I got I guess I when I saw all of those Underwriters I kind of and perhaps erroneously assumed that part of what was going on here is, it's been a while since there were in any IPOs that went through an underwriter and that all of the underwriters are out there. Desperate for four deals and that therefore. Instacart had more more leverage to get more Underwriters like is it. Is it literally instacart just agreed to pay more for these two more Underwriters 2D risk the IPO is that. Scot: [15:23] Yeah I think. So human nature is that the lead laughed and Lead right want to absorb a lot of the deal and don't want to share too much so so typically there's some friction there right so they'll be like yeah you could add a couple and they use this tearing language I don't you know this is just kind of how I don't know who how they know what who's what dear, but tier one is Goldman Morgan and JP Morgan Morgan Stanley and then tier 2 is you get kind of Stiefel, a couple others in there then you go tier 3 and then you kind of have like an international kind of tearing as well so usually you get like two from Tier 1 Maybe two or three from tier 2 and then that's kind of it and then if you've if the company feels strongly like another consideration is when you go public one of the things that helps you long term is to have analysts that follow your stock and we've had many of these analysts on our show Mark mahaney Collin Sebastian these are and then Scott Devitt he was at stifel and he's moved on to another shop these are these are famous people in the internet marketing world so you want take Mark sets, I wasn't even as Fern was he ever green but that's not it. [16:40] Ever Quorum so so you as the company can say the Goldman hey I know you guys want to keep a lot of Economics but I want mahaney on this and we got to get ever Cora so some of those on the bottom are probably International distribution retail or something the company wanted kind of specific to add them on and you know that was all pre-negotiated with Goldman getting lead left they had they kind of had to acquiesce to having a bit of a large number of Underwriters on there so I don't yeah I don't think I'm sure they all wanted to be to your point like there certainly wasn't even saying no to being invited to this and they probably you know you just bake off in this was I came to imagine if they ended up with 18 like, mr. started with 80 I don't know it's crazy that was probably like a. Six week bake off just to hear from all the bankers so yes I think there's more around the analyst going on with with the large number on some of those. Jason: [17:39] Got it and then I want to hear your speculation about where the price might come in but I'm trying to remember the details there's been a lot of interesting things going on with the private placements before we got to this point right so I think the some of the valuations of the private placements were at some point disclosed and then I want to say instacart reset there. Their valuation at a lower number while they were still private like presumably to make the equity appealing for employees. Scot: [18:17] Yeah the sequence of events and this is all you know they don't disclose all this in this one because it's kind of like. Jason: [18:25] Sure I'm just trying to get the the Run. Scot: [18:27] The Whispers And if you read some of these you know I subscribe to a lot of things that talk about some of this kind of rumors and so take it with a grain of salt but there was some sequins like they were chugging along and then Covent hit and it was like Off to the Races vertical and I think the wheels kind of came off the bus and they started to lose money because the unit economics weren't weren't ready for for like a surge like that and then right around 21 they replace the CEO and they had to kind of emergency raise some Capital which is kind of like one of the worst times to do it because even though their revenue was surging the rest of the market was in the toilet basically so I think they had to do a Down Round And what I've heard is their bed raised money as high as 39 billion and then they took this haircut at with this new CEO in this kind of re leaning down the company at about 13 billion so. [19:19] So I think that's kind of like the watermark is kind of where they've last raised money and if you look at their revenue that's actually not that's a very reasonable Place given where you know they've grown since then but now what's the revenue like four billion ish yeah so they're like 3 billion and 22 in revs so that's like a four times Revenue which is pretty reasonable for a company growing the way they are with with good profitability so I would be I would not be surprised we don't we won't know this per share price until we see the denominator and they didn't have the denominator which is market cap divided by number of shares equals share price we don't know the number of shares so I would I would suspect. I'll guess, four billion I'm gonna guess 20 billion would be a low like I think it will price they're on the low end and it could go as high as 25 30 depends on you know. Retail and how much momentum it gets with with buyers. Jason: [20:26] And part of the art here is you don't you don't want to price it too low because that means you you have money on the table when you sold your Equity but you also don't want to price too high and have the, the stock like go down from the offering price and get below water right away right so. Scot: [20:49] Yeah it's very common we kind of had this situation at Channel visor we went public right after you know cortical right after in a longer time window of 08 09 and you know they strongly we had golden lead left and they strongly encouraged us to think long-term and not get obsessed about that pricing and leave a little bit of money on the table and yeah and then over time you could do a secondary at a higher price and you really want to you don't want to tank especially in a tepid market so I'm sure this was all part of the um you know Goldman would counter negotiate this to be lead left and say look we we need your commitment that your yep part of the pitch is they give you what they think it's worth and how it's going to price and they also discuss the strategy and that's part of the selection processes and you would think it would be. Okay whoever says they're gonna give me the highest price but you actually kind of they really stand out a lot because the Goldman people can talk about Dave, they've got like a lot of data to back up their strategy and you know there's like Watson there that that are. It would make your head spin and so they do a really good job of talking about why it makes sense to price the way they think and how how they see it over a longer Arc of time. Jason: [22:12] Gotcha so the guys with all the money have really good justification for why you shouldn't worry so much about the money. Scot: [22:18] And then the other thing to know though is what typically happens is you are not sharing you're not selling any one shares so the company so as part of this IPO the company will issue new shares so so you as the founder and the other investors you still have your shares you're not actually selling them at this moment so you know in a way now you get diluted right so the flip of that is your percent ownership goes down but you know it's kind of the would you take a little bit smaller. Of that and long term when you can sell your shares as the investor and the founder and the team and the people that bet on you now you know can you execute and deliver and then earn your way into a higher price and then that's when you can kind of like get some equipment sir. Jason: [23:08] Do you want a little bit of a grapefruit or all of a grape. Scot: [23:11] Yes exactly yep that is a good description. [23:17] Okay so here's here's the other part of the quick and dirty guide to reading the S1 you can take so that's cover is really good and then you take the literally the next let's see what is it. 100 pages and you can toss them so this is where the lawyers come in and they love to make sure you understand all the risk factors you know a meteor could hit the Earth people could stop needing groceries cybersecurity I could be no one wants to shop for them it could be they'll compete with a bunch of people Amazon is always a risk factor Google Microsoft. So all that really doesn't add value and then there's a little bit of financial stuff but it's it's pretty dry and it's kind of like from the Auditors almost so it's like super drive so it always do is you skip to the part of this one we're finally the lawyers have earned their large fees and they vomited forth 100 pages of risk you know stuff. And then you get to write your story and that's called the Management's discussion and Analysis in the industry it's called the md&a. [24:27] It's confusing I thought for a long time it was md&a because Aaron says mdna really fast and they're saying the word A and D and it sounds like an end to me and I kept saying what the heck does md&a stand for they're like what do you mean what's up what are you saying. It's like a who's I first got a thing but it's md&a so Management's discussion and Analysis and this is where you. Jason: [24:49] Because I read all 100 pages and and I'm super depressed and one of the risk factors is the way I could become sentient and take over the Earth. Scot: [25:00] Mmm yep that is a risk factor and then it will bring our groceries to us I guess as we are batteries for its consumption. Jason: [25:08] The computers won't eat. Scot: [25:10] So if you really want you know so what you can do is you can get the gist of 95% of this by printing out the s-1 pages 1012 124 that's it's only 23 pages and it's really dense but it is actually this is actually a very good read they did a very good job of making this so you know. It's very approachable and they go into a level of detail that's really handy into problem so we're going to give you some of the highlights from that but if you want to go deep on your own we will give you all you need to go to the next level just by looking at those 23 pages. Okay so what did you see and them DNA and that got your attention. Jason: [25:55] Well I mean a number of things so maybe just super high level what's exciting to me like obviously a lot of this information about the business was not, publicly available so in the process of going public in issuing S1 they suddenly reveal a lot of things and they reveal things about. Their own business but they also have to paint a pretty good picture of what they think is happening and could happen in the digital grocery business so it's kind of like getting a whole class of really smart people to sort of, write a thesis about the the digital grocery business that we get to read and interpret and you know we they reveal things that we didn't know like how valuable customers are over time and how much consumers spend on a given order at instacart and what percent share of wallet they think digital gets versus brick and mortar and all these sorts of things and we'll get into a bunch of them in the in the individual sessions but my my takeaway from the beginning of that management discussion was that it's a. [27:08] A pretty robust business that the aggregate amount of. GTV that they that they have is pretty significant its twenty eight point eight billion dollars in groceries that they sold in 2022. Scot: [27:27] Yeah and GTV is gross transaction volume so instacart it's basically a Marketplace like eBay or Amazon where parts of parts of Amazon all of you back where you have in the marketplace of product Marketplace use GMB a lot of payment systems like PayPal use tpv gross merchandising value total payment volume they have chosen to use this term for the gross figure of GTV and at first I thought it was going to be groceries to do but it's gross transaction value I thought for sure it was like grocery, I was trying to decode it without looking it up and I was like that can't be grocery because then I don't know what a TV is doing there and you know so then their revenue is a derivative of that meaning of some percentage then of that big number Falls to them as Revenue after they pay the grocer The Shopper and then instacart the business has the leftovers and which ends up, we'll go through the unique and I'll mix it ends up being being pretty small because the grocery business does not have huge merchants. Jason: [28:26] Yeah so kind of looking at those business fundamentals that you know in 2022 they sold 28.8, billion dollars worth of stuff which for them generated 2.5 billion dollars in revenue and they were profitable on that Revenue they they net 428. Million dollars which like back in the a couple years ago when there were more IPOs happening there were there were IPOs in the space they were happening with companies that still weren't profitable so so that was interesting that they they were meaningfully profitable and then the, you know you're super interested in what the growth trajectory is and. [29:13] 20:19 was a very small year so going from 2019 to 2020 you know and then the pandemic app in the middle 2020 and urban was ordering groceries from, from instacart so the growth in 2020 was astronomical like 300% or something like that. But then the growth in 2021 over 2020 was 24%. On revenue and the growth in 2022 over 2021 was 39% in Revenue so. The revenue growth is Meaningful and accelerating. Which would be exciting they were not profitable in 2020 or 2021 so 2022 is the First full year that they were profitable. The GTD is a little different though they had significant growth three hundred percent in 2020 20 percent in 20 21 and 16 percent in 2022 so, well they have a track record of growth it's the top on GTV growth is decelerating. And then of course we're halfway through 2023 so they have to disclose. [30:23] How the well they've done in the first six months of this year and they compared to that to last year and the revenue and GTV are both essentially flat in the first six months of this year. Versus last year so I don't know you'll have to tell me but I look at that and you go man there's some robust stuff here there's a great growth story. I should have mentioned that that's on an annual basis on a quarterly basis they have five consecutive quarters of profitability which also seems. Impressive him pretty favorable but it's probably a slight worry that the. A lot of that growth seems like it's it's leveling off in 2023 I don't know if. That the most recent performance gets gets over weighted or underweighted and sort of evaluating the the prospects for the company. Scot: [31:19] Yeah the buyers will you know what every everyone has a different way they value things and they they're going to build their own models and the company will give them some guidance that's some of the stuff we did it we're not going to go over and but you have to be careful because you don't want to make forward-looking statements so this is this weird dance you do of you. You try to get people excited by not saying anything about the future which is which is a little tricky so you know what I imagine instacart s' just reading the tea leaves again they talked a lot about how they don't really do much sales and marketing which I kind of read to say, look we really hunkered down on our unique economic sand we've got it dialed in right now and spoiler will get to adds a lot of a lot of that has come from this ad piece. And I think now. [32:07] Because investor and I was the bullish scenario is you know they're going to raise at least 400 million they'll probably raise a lot of money from this they could start doing some advertising and you pick up some new customers that again I'm going to kind of hope they look at the cohorts those cohorts look like with what this in the here and they have at least the same unique anomic so if not better and I'm going to look at this growth accelerating wow what Wall Street loves their favorite favorite favorite kind of the top quadrant is accelerating Revenue growth an accelerating profitability and you know I could see a scenario the light has to go their way but I could see a scenario where that works here you know if they could if they could start spending some really careful sales and marketing dollars building the brand where they've been kind of under the radar for the most part and then. That works those cohorts stick and then they can work on the economics because that's gonna bring more advertisers per order because the more average more orders and more. GTV is going to bring more cpgs in that want to advertise against that then you could argue accelerating Revenue growth accelerating profitable unit economics. So I think that's the bull case the bear case is they've hit saturation they've got all the stores. 4% is anemic and nowhere to go but down. So that's the end of it is it is going to be interesting to see there's a little bit of A Tale of Two Cities in those possible outcomes. Jason: [33:36] Yeah what else jumped out at you in the management discussion. Scot: [33:43] They made a big point of talking about they have 7.7 million monthly active users which is a good number but they point out that in the u.s. there's 330 million consumers or I guess population so they use that and this is kind of one of those hints I was talking about the basically said hey we're. We've done good to get here but these are like the early adopters we still have a long way to go there's a lot of people you know I don't think they'll get all of them and I'll talk about that in a second but there's a lot more people that you should be using our service that aren't is so they kind of paint that 7.7 million and say that's teeny tiny compared to where we should be. And then you know the other thing they talked about that I thought was interesting I wanted to get your opinion on is they talk about, per user per month they get three hundred and Seventeen dollars and I was wondering I know you probably know this off the top of your head. What is if you look at the average US consumer and you probably look at the. Population of the convenience store that's like a kind of probably like that 100K and up household you know what is their monthly and is this like half of it a quarter what is your spidey sense tells you on that. Jason: [35:00] Yeah so real rough numbers the average American family and you know people shop for groceries in households versus people so it's almost better to talk in household so there's like 131 million households in the US and sin they've got. Seven million of them as customers the average household shops for groceries 1.6 times a week and they spend a hundred dollars per visit so you kind of you know rough that up and you get. Get what is that I'll have the intern do in turn do the math one point six times. 100 times, 4.5 is 720 total grocery spin which I don't have the census numbers in front of me but but that passes the smell test that so. Households are spending six seven hundred bucks a month and instacart saying that they're getting less than half of that. Scot: [36:12] Yeah and I saw some people speculate on this that, what their inferring is Davin they have an average order of 110 so this is like 2.6 instacart some month instacart orders per user per month that's another kind of interesting metric and then people are speculating in the saying the pattern is probably people are doing a big shop once a month and they're kind of going and getting you know, a lot of like maybe canned goods and things like that and then they supplement it with two or three instacart has to bring maybe a refresh of the the replenishable is like the cheese the milk the veggies and the fruits kind of thing. Again this is everyone just kind of like taking data and kind of going out for data point so the cone of uncertainty is pretty big out there but it kind of passed my sniff test that's how we've used it before, at our house with exception of wizard a lot at work to fill our snack area at work and we're probably like we're probably like top one quartile of this whole thing that's the number of snacks we get from Instagram. There's a deep does that that analysis of the one big shop yourself and then supplement does that. Jason: [37:26] No exact yeah I mean I think the Grocer's talk and I hesitate to bring this up because I don't think I remember I'll for off the top my head but there's like four typical types of shopping missions right so there is that like Pantry stocking shop there's like a weekly shop there's a. Occasion Bay shop where your your it's date night or it's Christmas or whatever and you make a special shop and then there's those, top off shops and I think it's generally agreed like there's not a big cohort of consumers that have just said I'm never using a grocery store again then I'm exclusive we gonna, I have all of my my calories show up at my doorstep so digital grocery ends up being one of the tools in the family's tool kit for, procuring their their calories and so it makes. Total sense that they would have a share that one of the ways they could grow is to increase that share presumably by. Being the best choice for more of those different kinds of missions. Scot: [38:34] Yeah and then the md&a they talk a lot about how they have these new offerings where you can get a weekly Monday thing and they're definitely poking around at this experimenting on how to grow the sand again they're kind of signaling we think we've got some room to go on this we can get that. [38:51] Bridge order up and we can get the ma use way up the second thing I noticed was you know they use this they use this phrase, several times you can tell it's kind of like must be tied to company values and they talk about we believe people want selection quality value and convenience if that sounds familiar to you the this is infamously brought up in the Amazon Jeff Bezos first shareholder letter in 1997 where he talks about the mark you know what Amazon believes and they believe that a multi-decade trend is people will not get tired of selection quality value and when value he uses kind of free shipping like versus product value is pretty specific on it and then convenience and then what got me thinking about this is. [39:38] Value inconvenience her you know they're often in conflict and this is the whole point of we've had, Casey on the show from the Lloyd there bifurcation kind of model which shows this was this I think a lot about this because this is the whole one of the whole reasons I started spiffy and we decided early on if we're going to be convenient we can't be the cheapest and I don't think people look at instacart as the cheapest you know whenever we use it it's kind of like, holy cow this is this is a pretty expensive treat in you know I really kind of need to be able to justify this to myself that I can't just pop over the grocery store and do this myself it needs to be yeah some some reason I'm going to miss a kid event or something that I'm getting a really good bang for the buck here so I thought that was interesting that at some point I wonder do they value part kind of struggle with you know how. Jason: [40:31] I think they have to have a. A more liberal definition of value because I think you're exactly right right and obviously you know value means different things to different people like they disclosed later in the S1 that they not surprisingly that they skew disproportionately to households that make over 100,000 a year compared to a traditional retail and particularly a traditional grocer like give I've no idea what it looked like when they actually did it but when Kroger went public or certainly when Walmart went public they would have talked about the top of their tree that we think the consumer really values price and and Walmart probably said price not value and you know they built a business around very aggressively maintaining those low prices because they thought that was the beginning of their flywheel and and you know Amazon talked about value but they when they said value a lot of what they meant was and we're going to you know have the very competitive or the lowest price on a lot of these goods and, the the business model of instacart makes it unlikely that that can be their positioning so they have to kind of, find a a valid but alternative definition of value to hang their hat on. Scot: [41:50] Yeah and I thought was interesting they put convenience a lot you know last you may say oh you're reading too much into it but you know I've been in rooms you spend so much time on every word there's a purpose to this order of selection quality value and convenience and and they mentioned this exact phrase like several times so this is a this seems to be an yeah a pretty important phrase in their their world to I just thought that was I want to get your take on you know at some point they may cross this road where they have to pick a lane and it'll be if it ain't going to be the value late you know I don't see a path there but you know maybe they think they can and you know they also talked about selling to the grocer some software so maybe that's kind of like how they're squeaking that in I don't know. Jason: [42:36] Yeah yeah and there's I think we'll talk about this and in our final conclusion but the there's multiple ways you could see this going over time and depending on which path it took like value could mean something different. So what will come back to that. I heard you like dissected all of the the disclose data and put together unit economic model for for instacart. Scot: [43:07] Yeah so it starts at the top so the GTV per order so every order that comes in they get the GTV as $110 and then there here's how they slice the onion so the biggest chunk goes to the grocer for the groceries and they get 83 percent which is $91 so right off the top we're left with $19 but now the grocer they have to go make all their money so instacart is that's what you would basically get I think if you and I went to the grocery store you know maybe they're getting a little bit of a discount but they're they're taking that $91 and they're adding $19 on top of it and this is all X tip there's a there's there is a delivery fee and what not so then the Shopper gets 8.2% or nine dollars in order and that's in that delivery fee and then they get the tips. Jason: [43:58] Clarification on shopper because like in most contact Shopper would mean the consumer that's buying the goods The Shopper in this case is is a instacart gig worker that goes to the store and gets Aggregates the order for the customer. Scot: [44:14] Exactly the gig worker is the Shopper so they get nine dollars and they get 100% of the tip so whenever you you know whenever you what what they don't say some of these gay places in this bothers me because we fell out on this they say the gig worker gets 100% but then they take a transaction fee of 3%, now I can't find they say 100% I can't see any little asterisks that says there's going to skim 3% or something so. [44:44] So to the hopefully they're being super up front and they the gig worker does get 100% of the tips but the tips aren't in the economic the kind of sit over on the side to go to kind of bypass instacart all together and they go straight to the shopper. Who also gets nine dollars from instacart so if you gave a 20 dollar tip the the Shoppers going to get 20 plus 9 or 22, then at this point we are finally at instacart Revenue which is ten dollars and that's into pieces seven dollars is the transaction revenue and three is ads. So almost half their margin you know so 30% I guess yeah. I say half because the line is going so fast it will become half probably by 2024 you know half the. Profit the margin the revenue that they get and probably disproportionate part of margin is from the ad piece which we're going to talk about in detail so that is. That's pretty important to this whole enchilada and until they figure that out this didn't really work I do. [45:48] So they get so 110 dollar order $91 goes the grocer that leaves us with 19 Shopper gets nine we're left with 10 7 of that, is the transaction Revenue three is ADS then their costs come out they have three dollars of cost per order. And this is this is things like you know their entire some allocation of all their website hosting the engineering team developed the app. I don't know if they would put sales and marketing in there and they weren't very specific about what they do and don't put in cogs so that was a question mark. And they're left with seven dollars of gross profit for that order. My bet is marketing is not in there and they kind of take that up later but again the didn't really. Disclose that I saw what all was and not in Cox so basically that 110 boils down to seven dollars a profit from them and if we looked at it you know. I bet that three of that seven is basically from the ads and you know because there's almost no cost to serve an ad and so so I thought that was pretty interesting that like you know around half of the Prophet basically is from the ad system. Jason: [47:00] Yeah I think I think it's for sure interesting and like you know two possibilities there there there, average value of an order is 110 bucks traditional brick-and-mortar grocer is a hundred bucks and so one question like did instacart wasn't totally clear I mean they tried to take credit for having a higher order value but it wasn't clear like do we think. There's something unique about our experience that causes people to spend more or. Is our service just more expensive and so therefore you know if I got the same 60 items from from Walmart it would cost me $100 but if I got it from instacart Cassandra and ten dollars. But if it's the latter and I'm sure the real answer somewhere in between but but if it's the latter then you go you know all of the, The Profit that instacart is potentially taking is kind of from the. The convenient spread where they're you know getting consumers to pay more for the extra convenience of this grocery delivery. Scot: [48:08] So that was the unique nanak's what did you discover from the cohorts. Jason: [48:12] Yeah well I think we both we both noticed that they had a pretty detailed cohort analysis in the s-1 and by cohort analysis what we mean is they. They break down all the revenue they get from every. Group of customers on the first year they acquire those customers and then they track the spending for that group of customers in each, subsequent year and so you have a cohort that you acquired in 2017 you have a cohort you acquired in 2018, so on and so forth through this 20:22 cohort and there's. Other dimensions you could do Court analysis on but this this tenure cohort is most common and loyal listeners of the show will know we've certainly talked about it before no most notably with a guest Professor Dan McCarthy. From Emory University who spends a lot of time. [49:13] Talking about and thinking about cohort analysis so I my first thought when I saw this cohort analysis is I'll bet you Dan McCarthy's really happy right now and is probably. Deep deep into these numbers and he has a phrase that he calls a super annuities which is for the circumstances. The older cohorts get more valuable over time and keep contributing more Revenue to your business which is, you know that if you think about it that's that's the ideal state right you want those kind of six-year-old cohorts to be. [49:51] Growing and be your most valuable and if they're you know significantly tailing off over time then like you know you start to question the core value proposition of the business like maybe customers get fatigued with your business or decide it's not a good value in the long run or something else so um the the big takeaway for me of the cohort analysis is the cohorts grow over time the if you look at like the year one value of this cohort it averages $226 and then it goes up 33 percent in year two to three hundred dollars and then up 16%, to 350 dollars in year three and then another up another 16% to 4:00 in your for and then up 10% $445 in year 5 and up another 8% to 480 dollars in year 6 and so like fundamentally. That is a very good picture of. The value of the cohorts and I'm certain why they chose to include the cohort analysis in there as one because I don't believe there's any. Any filing requirement to do that and certainly lots of companies don't include any cohort cohort analysis but then my kind of secondary take is. [51:12] You know not every year is the same and so some of those cohorts like started before Cove it and then they're their behavior, was slightly impacted by their maturity but also impacted by covet and some of these cohorts started after Cove ID and so one of the things you would look for in that cohort analysis is did these guys just get a big spike from Cova da, when people are afraid to go to grocery stores and you know has that worn off right and that's kind of a comment common narrative out there like I argue. [51:45] It's mostly misunderstood when people give that narrative about digital but it's. It's even more likely that is misunderstood if you have that narrative and grocery because grocery appears like on the surface to be the one category where hey we're at three percent e-commerce penetration before covet and now we're 12% e-commerce penetration and so this, these cohort analysis if if there was a spike that dip back down you would expect to see some of the later cohorts underperforming versus the the precoded cohorts and we don't see that right that like all the cohorts grow and they grow over time the rate of growth slows down over time which is like I think pretty pretty typical and not surprising um so all that was super favorable the one thing and one will have to have Dan on the show but the one thing that I think wasn't in here that you'd really want to understand how valuable the customer bases and and again guys like Dan kind of pioneered this idea of how you value a company based on their customer base. [52:53] And kind of set the price based on on this type of data but I think they would also want to see some churn data and understand. How many people are each in each of these cohorts and whether there's the same people or lots of defectors and new people coming and all those sorts of things and none of that was was disclosed and assess. Scot: [53:22] Yeah you're right the I think they're making the argument that the swamps turn but because they don't disclose it you kind of. You have to trust him and he would he would want that data because you know the whole Begin Again the the bull case here is all right if you got super annuities than spending ad dollars to bring super annuities in this smart right because everyone you bring in the door is going to follow this cohort and start of it you know you and I looking at a table that the says you're one they start at 2:26 and then by year 60 at 500 bucks so they they double over their life cycle in their GTV so over six years so if you know if you can go buy them for a hundred bucks a pop then you would just go and, and spend all that money in it should be we have a super annuity on one side you can spend a lot of money acquiring customers on the other. Jason: [54:15] For sure true what. Scot: [54:17] You turn there's something that they could hide in there. Jason: [54:19] Yeah so you have to worry about that you also side note like a thing that drives CFOs crazy about marketers is you also have to have this argument about correlation and causation right that like if I went out and bought a bunch of customers would they maintain this the same level of performance or with those those. Purchase customers through higher advertising and through greater sales and marketing a activities be less oil less valuable customers by. The answer varies depending on the business. Scot: [54:53] Yeah that's where I this kind of come back to that bifurcation thinks I think would you say 120 million households. Jason: [54:59] Yeah 131. Scot: [55:00] Yeah so there's probably I think it's probably a pretty evenly split between convenience and value so call it 60 and they've got 7.7 so there's actually good I think they've got a 10% share of, what does the actual dress for Market because I don't think they're going to get any of the value or in a consumers because yeah the valuing consumer does not pay for convenience they'll just go to grocery store. Jason: [55:23] Yeah and again in the bottom quartile a lot of people are shopping for for groceries with government assistance and I don't actually think instacart should double-check this but I don't believe instacart has a way to accept Snap payments. Scot: [55:36] Yeah I don't think the government is going to subsidize the food delivered. Jason: [55:39] Well they just you know they do in other great white white guy like you can order groceries online from Walmart and pay with SNAP but I don't think you can with instacart. Scot: [55:49] Yes that's another factor and then at some point yeah I'm sure you'll bring this up but the. The if you're if you're a grocer you know a lot of ours opt out of the sand to themselves and they like we have a Harris Teeter that they don't accept instacart yeah they're not on there and they want to do their own they want to own the customer themselves. Jason: [56:12] Yeah I save that discussion for other but I think that's a super important one. Scot: [56:16] Forget I said that that's a teaser that's it's a teaser was what we call a tease. Jason: [56:19] Excellent teaser yeah because I feel like we've gone to the add segment of the breakdown of is there anything else you wanted to cover before that Scott. Scot: [56:28] No I'm on the edge of my seat to hear what you thought about that specific. Jason: [56:31] Yeah so it turns out instacart sanad Essence and probably shouldn't surprise anyone you know Scott you alluded to the change in CEO the the current CEO for this IPO is fidge Asuma Seema who formerly was VP of advertising at Facebook so they brought in a Facebook. Exact to run this business and shoot I should have looked up what episode he was on but Seth Dallaire was a past guest on this show when he was the chief Revenue officer. For instacart which was right around the time that that fidget joined. [57:19] Instacart so we actually had a discussion about their aspirations to become an advertising business and spoiler alert, it worked at instacart which we're going to break into and that guess set the layer subsequently was hired as the chief Revenue officer at Walmart where he's. Building Walmart connect which is also working so turns out ads are becoming an increasingly important part of the ecosystem for retailers but the basic ad math at instacart is that in 2022 the last full year of data instacart generated 470 million dollars in ads so 470 million on 28 billion in GTV, means that that's about 2.6 percent of the spin. That went to ads it's thirty percent of their revenue today and. [58:20] It's growing at 29 percent so it went up 29% from 2022 to from 21 to 20 22. Um it's grown another twenty four percent in the first months of six months of 2023 so, a lot of the unit economics of their transactions have kind of stabilized and are flat the one thing that's still growing at a very fast double-digit pace, is the ad business and at seven and twenty million dollars it's already reasonably robust and they don't. Ads are not a line item on the income statement that they included like you know and presumably like it's not. You could argue it's not Material against the three billion in in Revenue. But the so we don't we don't really know exactly how profitable, Those ads are but in general we would call these ads or retail media Network and the you know people argue about how profitable these retail media networks are people particularly argue about Amazon's but kind of the middle of the range when people estimate how what how profitable these things are is that they're about 75 percent gross right so in theory they should be near 99% gross margin because like you don't have to make anything to sell an ad. [59:46] You know you do need some technology you need an ad server you need Administration and salespeople you need brand safety people you know there is. Some infrastructure some of which has to scale with the ad business and so the the kind of. Most common estimate that that I see out there is like 75% of that revenue from ad business is profit. So that implies that the ad business contributed seven 555 million to the. To the income statement for 2022. Um and they were only profitable 428 million in 2022 so that the ad business contribute like by that sort of slice the ad business contributed. [1:00:33] You know covered all of their losses and and was essentially all of their their profit. In in 2022 and it's growing faster than anything else so it's very clear that the ad business is a key. Tenant of this instacart model and they in the management can section they it was kind of funny working for a big, advertising agency because they had to spend a fair amount of time like justifying that ads are valuable good thing and that people are spending money on ads so they kind of you know paint paint this picture that consumer packaged Goods companies which are you know most of the goods that instacart cells that. [1:01:20] Cpgs in the u.s. spend about 200 billion dollars a year on advertising and currently about a quarter of that is digital. And so the. The you know a typical cpg spends like about thirty percent of their gross sales on advertising and you know at the moment instacart is collecting about less than three percent of its sales in advertising so I think they're saying like hey. Advertising is super effective it's an important part of our economic model and there's a ton of. Of potential growth for us in this market and that cpgs need us and they amongst their claims about the size of their business, there are 50 500 brands that are advertising on instacart today and those are. At the moment all brands that sell. [1:02:18] Whose Goods get sold on instacart so we call that endemic advertisers right so it's it's Mondelez selling cookies and folks like that a lot of advertising companies. Sell ads to people that aren't necessarily selling through the. The the platform we call those non-endemic advertisers and we I don't think there are any non-endemic advertisers on instacart as of yet. But so at the Top Line like these are these are solid fundamentals for an ad business you like. [1:02:54] From my perspective retail media networks are super important evolution in the space they are very important I actually think for a lot of smaller retailers they get overhyped and that there's a problem with scale with a lot of these but instacart appears to be one of the companies. That has enough scale to build a real. A real business around this there is a unique problem that instacart has with ads that you know I think they've only been partially able to remediate so far who's paying for the ads. [1:03:25] Right so they talked about the brands paying for the ad right it's Procter & Gamble about the ad but there's a lot of stakeholders with budgets at Procter & Gamble, there's Mark Pritchard that buys Super Bowl ads and tries to build the brand and make people love tied but there are also account teams, that are trying to Goose the sales at their account so there's a Walmart account team and a Kroger account team and an Albertsons account team and all of those guys have an ad budget, that they want to use to sell more stuff at Walmart Kroger and Albertsons respectively. And so the big problem you have with instacart is you spend that ad dollar with instacart and you don't actually know. Which retailer it's going to impact. Right and so it's kind of like it has to come out of the top of funnel ad budget but it's bottom of the funnel Performance Marketing, type ads mostly search ads and so not saying that model can't work but it's. [1:04:33] The the guys with budgets that are used to buying ads are used to a slightly different structure so I will say that at the moment instacart causes a lot of consternation because it's a it's an unusual Beast that people don't exactly know how to budget for or how to spend their money on and you know I would assume if instacart wants to grow a lot they have to make that, easier for for the brands to do. Scot: [1:05:00] Yeah so what do you think. They're so this is a relatively good chunk of Revenue where do you think they're getting it from is it online going offline I mean offline going online are they taking it from Google are they taking it from couponing or. Two Brands even do like newspaper inserts are still a thing like I know that back in the day. Jason: [1:05:22] So I know I yeah I think. Brands are pretty pretty rapidly shifting their their dollars to digital vehicles and so two things like there's you know traditional kind of, newspaper magazine advertising that's atrophying and and the brands are replacing that with digital there's a slight misnomer the whole privacy thing and Facebook is a real thing but you know who wasn't buying a huge amounts of Facebook ads are like National cpgs with huge brand recall so so you know those tended to be smaller Brands and longer tail things so it's less like oh. [1:06:05] The these guys are shifting from Facebook it's more they're shifting from old-school marketing and over are television to to these digital vehicles but a big chunk of it is still coming out of these trade budgets right and so there may have been a pool of money that was allocated to spend at Kroger and it used to get spend on newspaper circulars that were like Kroger ads that fell out of the newspaper and that's an increasingly ineffective vehicle or maybe they even got spent on floor decals in the aisle at Kroger right you know like Shopper marketing tactics or trade tactics and so increasingly the retail media networks are getting a chunk of those trade dollars and I do think instacart is getting some of those even though it's trickier to do because you know it's not allocated exactly 21 specific retailer at the moment. Scot: [1:07:07] Yeah the so what did the ad formats I've seen is I always get this one that's like you through some Quaker Oats granola bars in there if you add these six things will give you a five bucks or something I've seen a coupon and I've seen a you know an upsell hey you've previously bought this or you may like this are there those are the three main add units or am I missing something. Jason: [1:07:33] Yeah so I am not going to speak specifically about the variation in ad units but as a general rule like probably I'm assuming the most predominant ads on the platform are search ads right so people search for products like always and you know above all the organic results are a bunch of sponsored ads right and so off very often those don't have a special offer in them they're just premium. [1:08:00] And so a big chunk is probably those those search ads you know then they're there are like Banner type ads that that land either on like the homepage of a particular retailer or on a category page or subcategory page and more often those are likely to have some call-to-action offer in them so they might have a promotion or a discount of some kind and then in the digital space um there's a lot of what we call like top off and impulse ads which are what you were just talking about right and you know one of the big problems we have with digital grocery is when you go shopping at the grocery store your wife sends you to the store with a list of 10 items and you buy all those 10 items but then you walk by the ice cream aisle on your way to the cash wrap and you add ice cream even though you didn't plan to buy ice cream and then when you're standing in the cash wrap, you're sneering at that Snickers bar or that Wrigley gum and you add that to the car and maybe a cold Coke to drink on the way home from the grocery store so a big chunk of a traditional grocer sales are all these unplanned impulse purchases and that. [1:09:16] By default happens a lot less in digital Grocery and so a lot of these ad formats are kind of are, our Industries early efforts to try to reinvent digital impulse and I would I would call it pretty imperfect at the moment. Scot: [1:09:35] Don't you get a nursing inside about gum or something like because self-checkout smelled the gum that serendipity. Jason: [1:09:42] Yeah the the that that cash wrap used to be the most valuable real estate in a grocery store like the most Revenue per square foot was that what we call the cash wrap which is the. The conveyor belt that you stand in line and actually the first thing that killed the cash wrap was not any of this digital shopping or any of these things it was. Facebook and the mobile phone and simply because you now had something else to do when you are standing

BestPodcastintheMetaverse.com Canary Cry News Talk #654 - 08.11.2023 - Recorded Live to 1s and 0s ROBOT RIDING RUSSIAN | Fake Climate Crisis, Death Media Cycle, ERIS, Kraken Antarctica Deconstructing Corporate Mainstream Media News from a Biblical Worldview                         The Show Operates on the Value 4 Value Model: http://CanaryCry.Support Join the Supply Drop: http://CanaryCrySupplyDrop.com                                  Submit Articles: http://CanaryCry.Report                           Join the T-Shirt Council: http://CanaryCryTShirtCouncil.com Resource: Index of MSM Ownership (Harvard.edu)                    Resource: Aliens Demons Doc (feat. Dr. Heiser, Unseen Realm) Tree of Links: http://CanaryCry.Party   This Episode was Produced By: Pre-Show Prayer BrentonJB   Executive Producers Anonymous from the Palmetto State (South Carolina, not Texas!)   Producers Erika E Kim W Malik W Aaron M Sir LX Protocol V2 Knight of the Berrean Protocol Sir Casey the Shield Knight Veronica D Sir Scott Knight of Truth Dame Gail Canary Whisperer and Lady of X's and O's Sir Morv Knight of the Burning Chariots   CanaryCry.ART Submissions JonathanF Sir Dove Knight of Rusbeltia   Micro-Fiction Runksmash - With a deft blow to this monster's enhancement motor he paralyzes the fiend. Acting quickly the strange hero grabs a strange basketball sized orb from a shelf, knowing this is the last chance to set things right. The Thing shrieks in pain and fear.   Stephen S - The Dukes of Hackers pulled their first cyberattack across several US cities. Using open source code found online, they turned security robots into menacing real life Daleks uttering racial slurs and chasing down students in predominantly black schools.    CLIP PRODUCER Emsworth, FaeLivrin, Joelms, Laura   TIMESTAPERS Jade Bouncerson, Christine C, Pocojo, Morgan E   CanaryCry.Report Submissions JAM, Sir Ike, GirlOnFire, Stephanie J   REMINDERS Clankoniphius   SHOW NOTES/TIMESTAMPS Podcast = T - 2:53 HELLO, RUN DOWN 5:33 V / 2:40 P CLIMATE CHANGE 7:12 V / 4:19 P Scientist admits ‘overwhelming consensus' on the climate crisis is ‘manufactured' (NY Post)   GEOENGINEERING 24:40 V / 21:47 P Would a massive shade between Earth and the sun help slow climate change? (Popsci)   DAY JINGLE/V4V/EXEC./SUPPLY 40:57 V / 38:04 P   FLIPPY 55:32 V / 52:39 P Russian Cosmonaut Rides New Robotic Arm Outside ISS for the First Time (Gizmodo) Note: Russia, space, riding robot arm ERA! Also note: A rocket with a lunar landing craft blasts off on Russia's first moon mission in nearly 50 years (NY Post); Clip: Russia launches first mission to moon in 50 years (Disclose.tv)   IT WILL KILL/FBI 1:06:20 V / 1:03:27 P FBI: Utah man killed by FBI agents after alleged threats against Biden ahead of his visit (CNN) → Was Utah Man a threat? (the guardian)   PANDEMIC SPECIAL/OMICRON 1:22:00 V / 1:19:07 P New omicron sub-variant dubbed ‘eris' HERALDS CV19 (WSJ) → ERIS greek Goddess of Strife and Discord (wiki)   Heart attack: The shower habit that could ‘precipitate' a heart attack in the 'healthy' (Express)  Note: Bronny James, Caleb White dies, Óscar Cabrera Adames   TREASURE/SPEAKPIPE/TALENT 1:47:03 V / 4:44:10 P   NEPHILIM UPDATE/ANTARCTICA 1:59:12 V / 1:56:19 P ‘Large' creature with 20 arms found in Antarctic sea. A new species (Miami Herald/Yahoo)  V4V/TIME 2:11:19 V / 2:08:26 P END

SEC Now Requires Companies To Disclose Cyberattacks In 4 Days by Nick Espinosa, Chief Security Fanatic

Introduction: It was a newsy Thursday for the Twins, as Sonny Gray won for the first time in 15 starts to snap a bizarre streak that had seen him pitch quite well with very little run support. We also found out that Joe Ryan -- a starter who had been rocked for 19 home runs in his last seven outings -- was pitching through a groin strain that he didn't tell anyone about. And Brooks Lee was promoted to Class AAA St. Paul. 7:30: Vikings writer Ben Goessling joins host Michael Rand for a look at where the Vikings stand with both their roster-building and salary cap after details of Danielle Hunter's new deal were released. 35:00: The Vikings like their corners, they say, but they still brought in a veteran for a free agent visit. That's been a theme this week.

This week the SEC has made a new rule that publicly traded companies must disclose any cyber attacks within four days. What if you're not a publicly traded company in the US? Should you reveal what happened to you? We bring in a wireless cyber security expert, Scott Schober of Berkeley Varitronics Systems, to talk about this topic. Closely related is also what should you do when you personally make a big mistake. Should you tell your boss? What if you're a boss and someone makes a mistake? How should you respond? We get into all of this and more in the week's exciting episode.

EDITORIAL: Duterte should disclose details of his China visit | July 30, 2023 Subscribe to The Manila Times Channel - https://tmt.ph/YTSubscribe Visit our website at https://www.manilatimes.net Follow us: Facebook - https://tmt.ph/facebook Instagram - https://tmt.ph/instagram Twitter - https://tmt.ph/twitter DailyMotion - https://tmt.ph/dailymotion Subscribe to our Digital Edition - https://tmt.ph/digital Check out our Podcasts: Spotify - https://tmt.ph/spotify Apple Podcasts - https://tmt.ph/applepodcasts Amazon Music - https://tmt.ph/amazonmusic Deezer: https://tmt.ph/deezer Stitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein #TheManilaTimes#VoiceofTheTimes Hosted on Acast. See acast.com/privacy for more information.

Picture this: a meteorite found in the vast Sahara Desert, not just any ordinary space rock, but one with a composition eerily similar to our own planet. The plot thickens as scientists debate its origins, some proposing volcanic eruptions, while others suggest cataclysmic asteroid impacts. But here's the twist: this meteorite may have been flung from Earth itself, soaring through the cosmos for thousands of years before making its triumphant return. The question remains: how did a piece of Earth escape our gravitational pull and embark on an interstellar journey? In this episode, you will be able to: · Disclose the captivating find of a meteorite in the Sahara Desert, believed to originate from Earth itself. · Delve into the enigmatic world of dark matter stars, considering their profound implications in our grasp of dark matter. · Scrutinize the fascinating interaction between elusive dark matter and the common matter of our everyday life. · Ponder on the profound concepts of time, consciousness, and speculation of the afterlife. · Ascertain the influence of powerful bombs on altering the deadly path of asteroids in the galaxy. The universe is full of mysteries waiting to be discovered, and the James Webb Space Telescope is helping us unveil them. - Andrew Dunkley The resources mentioned in this episode are: · Visit the Space Nuts website to read more about the meteorite discovery in the Sahara Desert. · Check out the Space Nuts website for updates and further analysis on the potential existence of dark matter stars. · Follow the Space Nuts social media channels (Facebook, YouTube, and Rumble) to join the live studio audience and interact with the hosts and other listeners. · Explore the James Webb Space Telescope's official website for more information on its latest discoveries and missions. · Visit the Space Nuts website for additional episodes and content related to astronomy and space exploration. · Subscribe to the Space Nuts podcast on your preferred podcast platform to never miss an episode. · Support the Space Nuts podcast by leaving a positive review and rating on your chosen podcast platform. · Stay updated on the latest space news and discoveries by subscribing to the Space Nuts newsletter on their website. · Consider making a donation to support the ongoing production and research efforts of the Space Nuts podcast. · Share the Space Nuts podcast with your friends and family who are interested in astronomy and space science.

The Best Christian Podcast in the Metaverse Canary Cry News Talk #649 - 07.26.2023 - Recorded Live to Tape GENETIC SCRIBES | Frozen Mitch, Alien Prop, Worldcoin Woes, Scribe, Cocaine Sharks Deconstructing Corporate Mainstream Media News from a Biblical Worldview We Operate Value 4 Value: http://CanaryCry.Support Join Supply Drop: http://CanaryCrySupplyDrop.com Submit Articles: http://CanaryCry.Report Join the Tee Shirt Council: http://CanaryCryTShirtCouncil.com Resource: Index of MSM Ownership (Harvard.edu) Resource: Aliens Demons Doc (feat. Dr. Heiser, Unseen Realm) All the links: http://CanaryCry.Party   This Episode was Produced By:   Executive Producers Sir Igorious Knight of the Squatting Slavs***   Producers Kenneth P Lady Knight Little Wing Exit To The Light Zine Robbb  Em & Bobby Sir LX Protocol V2 Knight of the Berrean Protocol Veronica D Sir Casey the Shield Knight Sir Scott Knight of Truth Dame Gail Canary Whisperer  Sir Morv Knight of the Burning Chariots Stopped By Grace   CanaryCry.ART Submissions JonathanF Lloyd V Sir Dove Knight of Rusbeltia   Micro-Fiction Stephen S - The UN excluded the Congondan Robo-Rhino from the “AI for Good” Global Summit due to its recent violent use to squash the protests in Freedonia.  President Dr. Mal Content exclaimed, “This proves Afro Racism thrives even in technology.”   CLIP PRODUCER Emsworth, FaeLivrin, Joelms, Laura   TIMESTAPERS Jade Bouncerson, Christine C, Pocojo, Morgan E   CanaryCry.Report Submissions JAM, Nancie   REMINDERS Clankoniphius   SHOW NOTES Podcast = T - 4:00 from D-Live  HELLO, RUN DOWN 7:13 V / 3:13 P   UFOs/ALIENS 9:27 V / 5:27 P Clip: US recovered “non-human biologics” piloted from crashed craft (Disclose.tv/X) Whistleblower tells Congress the US concealing ‘multi-decade' UFO watch program (AP)   POLYTICKS 24:41 V / 20:41 P Mitch McConnell escorted away from cameras after freezing during news conference (NBC)   DAY JINGLE/V4V/EXEC./supply/ 32:23 V / 28:23 P   FLIPPY 41:21 V / 37:21 P Robot made of LEGOs produces DNA machines (Interesting Engineering)   CRISPR/PHARMEKEIA 55:29 V / 51:29 P Ten years later, he's applying that work in a company he cofounded with Doudna and Savage, Scribe Therapeutics (Forbes) → The 'Immortal Jellyfish' Can Age in Reverse, Possibly Live Forever (ScienceAlert)   BEAST SYSTEM 1:05:19 V / 1:01:19 P Clip: People lining up to get iris scan for Worldcoin What Is Worldcoin? Here's What To Know About The Eyeball-Scanning Crypto Project Launched By OpenAI's Sam Altman (Forbes) → 357, 402, 605, 624, 625…   TREASURE/SPEAKPIPE/TALENT 1:28:38 V / 1:24:38 P   BEAST SYSTEM 1:49:39 V / 1:45:39 P *Cocaine Sharks off the coast of Florida (Live Science)   V4V/TIME 2:03:39 V / 1:59:39 P END

Dr. Evalin Molina Dacker from SPFPP 99: Integrative Disclosure joins us 4 years later to talk through the evolution of the STARS Talk as a framework for talking about sex with partners AND expectations for the relationship. “How do I disclose?” is hands down the most common question I get, so we revisited this conversation with that in mind. Patreon subscribers get the “after show” where Evelin and I practice using the STARS Talk, and we share some personal experiences not shared in this episode, so head over to Patreon today and become a member for access to that. You can connect with the STARS Resource and Evelin by visiting www.maketimeforthetalk.com where you'll see upcoming class schedules and workshops as well as worksheets to navigate sexual health communicaion.

See omnystudio.com/listener for privacy information.

In this episode, Jessica Valenti (a feminist columnist and author) joins Prudie (Jenée Desmond-Harris) to answer readers' letters about whether it's okay to ghost friends who don't respect your reproductive choices, how to deal with a spouse who is a slob, and when to tell your kids you've had an abortion.  If you want more Dear Prudence, join Slate Plus, Slate's membership program. Jenée answers an extra question every week, just for members. This week she answers a question about what to do when a grandparent food-polices a toddler.  Go to Slate.com/prudieplus to sign up. It's just $15 for your first three months.  Podcast production by Se'era Spragley Ricks and Daisy Rosario, with help from Maura Currie. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Jessica Valenti (a feminist columnist and author) joins Prudie (Jenée Desmond-Harris) to answer readers' letters about whether it's okay to ghost friends who don't respect your reproductive choices, how to deal with a spouse who is a slob, and when to tell your kids you've had an abortion.  If you want more Dear Prudence, join Slate Plus, Slate's membership program. Jenée answers an extra question every week, just for members. This week she answers a question about what to do when a grandparent food-polices a toddler.  Go to Slate.com/prudieplus to sign up. It's just $15 for your first three months.  Podcast production by Se'era Spragley Ricks and Daisy Rosario, with help from Maura Currie. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Jessica Valenti (a feminist columnist and author) joins Prudie (Jenée Desmond-Harris) to answer readers' letters about whether it's okay to ghost friends who don't respect your reproductive choices, how to deal with a spouse who is a slob, and when to tell your kids you've had an abortion.  If you want more Dear Prudence, join Slate Plus, Slate's membership program. Jenée answers an extra question every week, just for members. This week she answers a question about what to do when a grandparent food-polices a toddler.  Go to Slate.com/prudieplus to sign up. It's just $15 for your first three months.  Podcast production by Se'era Spragley Ricks and Daisy Rosario, with help from Maura Currie. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Jessica Valenti (a feminist columnist and author) joins Prudie (Jenée Desmond-Harris) to answer readers' letters about whether it's okay to ghost friends who don't respect your reproductive choices, how to deal with a spouse who is a slob, and when to tell your kids you've had an abortion.  If you want more Dear Prudence, join Slate Plus, Slate's membership program. Jenée answers an extra question every week, just for members. This week she answers a question about what to do when a grandparent food-polices a toddler.  Go to Slate.com/prudieplus to sign up. It's just $15 for your first three months.  Podcast production by Se'era Spragley Ricks and Daisy Rosario, with help from Maura Currie. Learn more about your ad choices. Visit megaphone.fm/adchoices

Australian households will receive two pamphlets presenting both cases in the Voice to Parliament Referendum, as the Australian Electoral Commission plans to distribute over 12 million translated into 55 languages. However, criticism has emerged, highlighting that the pamphlets have not undergone fact-checking.

Amie Zarling, PhD (Associate Professor of Clinical Psychology at Iowa State University), reviews some interesting research on developing and evaluating effective programs for hard-to-reach, under-resourced, and/or under-served populations, which primarily focus on improving family health. Also, regular contributor Dr. MedLaw discusses how, when, and why physicians should disclose their own errors. Did you know that hiding an error will underpin the independent intentional tort of fraudulent concealment and that because it is an intentional choice, it will not be covered by malpractice insurance? How about that the Statute of Limitations for fraudulent concealment is also usually three times longer than that for malpractice? Listen to learn more! Further readinghttps://faculty.sites.iastate.edu/azarling/ Hudson J, Zarling A, Ungar R, Albright L, Tkatch R, Russell D, Schaeffer J, Wicker ER. Older Adults' Experiences in a Web-Based Intervention for Loneliness. Gerontol Geriatr Med. 2023 Mar 22;9:23337214231163004. doi: 10.1177/23337214231163004. PMID: 36968123; PMCID: PMC10037731.Let us know what you thought of this week's episode on Twitter: @physicianswkly Want to share your medical expertise, research, or unique experience in medicine on the PW podcast? Email us at editorial@physweekly.com! Thanks for listening!

Brought to you by: MightyScout: Supercharge your agency with the fastest solution for Instagram & TikTok Influencer Tracking, Analytics & Reporting. Get more valuable work done for your clients without hiring more staff. https://mightyscout.com/ And Social Snowball: Frictionless affiliate programs for your customers & creators. https://socialsnowball.io/ [00:02:55] FTC updates guidelines on advertising practices. Consult attorney for specific situations. [00:06:56] FTC rules on disclosing connections in advertising. [00:11:37] Social Snowball: Modern affiliate platform, eliminating code leaks, tiered system, easy payments. [00:15:13] Disclosure of receiving free products for review. [00:19:49] Consider relationships and legal implications of posting. [00:24:38] Track influencers, analyze metrics, and reach out. [00:28:28] Disclose video content's connection in ads. [00:32:45] Customer reviews & disclosure rules clarified. [00:33:52] "Low risk tolerance, influencer product endorsements" [00:37:15] Contact us on Twitter for influence marketing help. In this week's episode we are joined by Rob Freund to dive into the world of influencer marketing and the latest updates from the FTC regarding influencer endorsement guidelines. We discuss the importance of clear and conspicuous disclosure between advertisers and endorsers, exploring scenarios where disclosure is required and where it becomes a gray area. Take a deep dive with us into risk tolerance, relationship disclosures, and priorities in influencer outreach and examine the legality of customer and user-generated content for brands, highlighting the FTC's perspective on the matter.  Cody Twitter: https://twitter.com/cody_wittick?s=21&t=xmCYESA6Z2k180u_q-V2HwTaylor Twitter: https://twitter.com/taylorlagace?s=21&t=xmCYESA6Z2k180u_q-V2Hw

Do You Need To Disclose Known Projects Of A Neighbor?? - Ep 199   On this episode of the Real Estate Fight Club, Jenn, and Jim Camarata are addressing the topic of, “Do You Need To Disclose Known Projects Of A Neighbor?” Is it an ethics violation when you don't? And what kind of questions can help you identify if this directly involves the transaction? Tune in and find out!   Episode Highlights:  Jenn addresses the scenario of which it's about disclosure projects from neighbors. Jim talks about Article Two and what it says Jim now explains the situation. The seller notified the listing agent that the neighbor was putting up a fence in the property line. The question is: Is there a moral, ethical, or legal obligation to notify the property buyer that a fence is going up on the property line? Jennifer says that it is a courtesy to tell the buyers that the fence is going up the neighbor's property.  Jim gives us probing questions that can help with a situation like this.  Jim agrees that it is more of a courtesy issue rather than an ethics issue.  When the buyer disagrees with the fence and asks to get out of the contract because of it, your response would be to ask for legal advice since it's a legal issue. 3 Key Points: There are appropriate questions that need to be answered when you come across a situation like this. It is common courtesy to notify the buyer about certain changes but until it directly involves the subject property, it is not violating anything.  When there is new information, over-sharing the information is not a bad thing. Tweetable Quotes: “I think it's a courtesy to tell to notify the other agent because it does change something changes, right?” - Jennifer Murtland “Personally, I think over sharing the information is not a bad thing. I think you should do that.” - Jennifer Murtland “I said it's more of a courtesy issue than anything else. Is it really ethics? No. Is it violating anything about disclosing? No, it's on the neighbor's property, not the subject.” - Jim Camarata Resources Mentioned:  Jenn Murtland LinkedIn | Facebook | (513) 400-1691 | Website | Instagram https://jennifermurtland.com/Vault/ Monica Weakley website | LinkedIn | Facebook Real Estate Fight Club Podcast  Facebook page | Instagram | YouTube Jimcamarata@kw.com / Jim Camarata  612-562-7461   Thank You To Our Incredible Sponsor Partners (Get Great Discounts with these links) Ghostpostr - https://www.ghostpostr.com/ (Get It For FREE!)   Pipeline Pro Tools - https://pipelineprotools.com/fightclub/   RedX - https://www.theredx.com/fight-club/ Achosa - https://www.achosahw.com/  (Use the Code FightClub)

Mass. real estate lawyers must disclose pay from title insurance to homebuyers

This explosive edition of “Light ‘Em Up” — which is currently being downloaded in 100 countries — is packed from the beginning to end with rock solid information to enlighten, educate and empower you!Our intense investigative journalistic focus is on recently breaking news items from the Jayland Walker case.  At the airing of this episode, it will have marked 1 year since Jayland Walker was gunned down in a hail of bullets, in Akron, Ohio.Walker, a young unarmed black man, was shot at 94 times by 8 Akron Police Officers — struck 45 times and killed in a parking lot in downtown Akron on July 27, 2022 — after what was an unnecessary police pursuit that resulted from a cracked taillight and an inoperable license plate light.Through counsel, the surviving family members of Jayland Walker have filed a 32-page federal civil rights action in the U.S. District Court for The Northeastern District of Ohio, Eastern Division on behalf of the estate of Jayland Walker.It submits that the unlawful use of excessive force by Akron law enforcement officers violated Jayland's Fourth Amendment rights, among other things. The civil rights lawsuit is against The City of Akron, its mayor, chief of police, and individual officers involved (directly and indirectly) in the shooting which took Jayland Walker's life.The prayer for “judgement for relief” in the lawsuit against the defendants jointly and severally is for not less than $45 million. $1 million for each bullet that struck Jayland.Along those lines, as education is always a crucial aspect of Light ‘Em Up — as a case study we'll showcase and share with you the fact pattern in Tennessee v Garner — as we feel that case is highly relevant to the case of Jayland Walker.Tennessee v Garner is a landmark U.S. Supreme Court case from 1984 which required the high court to determine the constitutionality of the use of deadly force to prevent the escape of an apparently unarmed suspected felon.In this exclusive episode we'll:♦ Highlight the details of the lawsuit filed.♦ Explore and investigate the issue of excessive force and drill deep to see if the civil rights of Jayland Walker were violated under the color of authority by members of the Akron Police Department.♦ Disclose more details from the BCI Report.♦ Discuss aspects of The Civil Rights Act of 1871— which is a federal statute, 42 U.S.C. §1983—that allows people to sue the government for civil rights violations.♦ And, we are very excited to be able to share exclusive audio from the U.S. Supreme Court in the case of Tennessee v Garner, 471 U.S. 1 (1985) with Chief Justice Earl Warren presiding.Much of our listenership comes from people just like yourself who know the value of fact-based, well-researched reporting that demands transparency from the most powerful people and institutions in our country.You can enjoy our podcast at work, home or at play. You don't want to miss this educational opportunity to learn more about this explosive case that has further divided many of the city's residents from the Akron Police Department and City government.Facts matter! Tune in and hear them!We want to hear from you!  Share your thoughts with us on this episode and any of our episodes that you've listened to.  Email us at:  prizzo@rpgconsultingltd.comTune in and be empowered, and follow our sponsors Newsly & Feedspot  here:We are here for you and because of you!“The truth is the burden and duty of leadership” and the truth is under attack!The truth is worth defending and we are here to do so!

Who is the couple you know that collect crazy things? His brother hung a TV, and it fell, and broke, who should pay? He got arrested for prostitution, should he have to tell his new girlfriend? More at www.CooperandAnthony.com 

Many companies have internal economic and climate goals that they aren't disclosing to their consumer. WWJ's Murray Feldman has more. 

The Senate Intelligence Committee recently approved a bill that - if it's included in the 2024 National Defense Authorization Act spending bill - would give amnesty to contractors who finally speak out about their knowledge of reverse engineering programs related to craft recovered from non-human intelligences. Links/Sources: Senate Intelligence Committee Proposes Amnesty to Defense Contractors for Disclosure of 'Non-Earth Origin or Exotic Materials' in Approved UFO Language — Liberation Times | Reimagining Old News Check out my YouTube channel: Quirk Zone - YouTube Extraterrestrial Reality book recommendations: Link to ROSWELL: THE ULTIMATE COLD CASE: CLOSED: https://amzn.to/3O2loSI Link to COMMUNION by Whitley Strieber: https://amzn.to/3xuPGqi Link to THE THREAT by David M. Jacobs: https://amzn.to/3Lk52nj Link to TOP SECRET/MAJIC by Stanton Friedman: https://amzn.to/3xvidfv Link to NEED TO KNOW by Timothy Good:  https://amzn.to/3BNftfT Link to UFOS AND THE NATIONAL SECURITY STATE, VOLUME 1:  https://amzn.to/3xxJvlv Link to UFOS AND THE NATIONAL SECURITY STATE, VOLUME 2: https://amzn.to/3UhdQ1l Link to THE ALLAGASH ABDUCTIONS: https://amzn.to/3qNkLSg --- Send in a voice message: https://podcasters.spotify.com/pod/show/james-quirk/message Support this podcast: https://podcasters.spotify.com/pod/show/james-quirk/support

Help spread the darkness! VOTE FOR THIS EPISODE at https://weirddarkness.com/vote – you can vote up to 3X per day! Find Weird Darkness in your favorite podcast app at https://weirddarkness.com/listen. PLEASE SHARE WEIRD DARKNESS® in your social media and with others who loves paranormal stories, true crime, monsters, or unsolved mysteries like you do! Want to advertise in Weird Darkness? Visit https://weirddarkness.com/advertise for more info!IN THIS EPISODE: A girl's younger sister keeps seeing things that don't exist – until the truth is revealed when older sis is moving out. (Secrets Between Sisters) *** It's called the Chronovisor – and it is said the device can look into events in the future as well as the past. Is it true? We may never know – the Vatican, the supposed owners of the device, are refusing to cooperate when questioned. (Does The Vatican Have a Time Machine?) *** An Alaskan hunter claims to have found a boy that had been kidnapped… not by humans or aliens, but by a mysterious creature knows as the ircerratt. (Abducted By The Ircenrratt) *** It is considered to be one of the most beautiful lakes in the United States. But there are also tales of ghosts, a giant lake monster, unexplained disappearances, and murders. That's only a sample of what you might find at Oregon's Crater Lake. (The Creeps of Crater Lake) *** Weirdo family member Candice Cardenas tells of a haunting in her mobile home. (This Ghost Loves Brass) *** They're powerful in the supernatural. Witches, demons and poltergeists fear them because they are not from our world. The Cherokee call them the Raven Mockers. (The Raven Mocker)SOURCES AND ESSENTIAL WEB LINKS…“The Raven Mocker” by Jeramy Neurign: http://bit.ly/2RUcsSG “Secrets Between Sister” posted at BackpackerVerse: http://bit.ly/2NsJtXj “Does The Vatican Have a Time Machine” posted at Disclose.TV: http://bit.ly/2Lzxvsz “Abducted By The Ircenrraat” originally published in the Anchorage Daily News: (link no longer available)““The Creeps of Crater Lake” by Christopher Schulz: http://bit.ly/2LxmZ4N “This Ghost Loves Brass” submitted by Weirdo family member Candice Cardenas= = = = = = = = = = = = = = = = = = = = = = = = = = = = = =Weird Darkness theme by Alibi Music Library. Background music provided by Alibi Music Library, EpidemicSound and/or StoryBlocks with paid license. Music from Shadows Symphony (https://tinyurl.com/yyrv987t), Midnight Syndicate (http://amzn.to/2BYCoXZ) Kevin MacLeod (https://tinyurl.com/y2v7fgbu), Tony Longworth (https://tinyurl.com/y2nhnbt7), and Nicolas Gasparini (https://tinyurl.com/lnqpfs8) is used with permission of the artists.= = = = = = = = = = = = = = = = = = = = = = = = = = = = = =(Over time links seen above may become invalid, disappear, or have different content. I always make sure to give authors credit for the material I use whenever possible. If I somehow overlooked doing so for a story, or if a credit is incorrect, please let me know and I will rectify it in these show notes immediately. Some links included above may benefit me financially through qualifying purchases.)= = = = = = = = = = = = = = = = = = = = = = = = = = = = = ="I have come into the world as a light, so that no one who believes in me should stay in darkness." — John 12:46= = = = = = = = = = = = = = = = = = = = = = = = = = = = = =WeirdDarkness™ - is a production and trademark of Marlar House Productions. © 2023, Weird Darkness.= = = = = = = = = = = = = = = = = = = = = = = = = = = = = =TRANSCRIPT: https://weirddarkness.com/archives/15850This show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/3655291/advertisement

Citizen watchdog Rob Cote explains legislation that would require elected officials to disclose their "financial house" by making their credit status available to public. See omnystudio.com/listener for privacy information.

See omny.fm/listener for privacy information.

President Biden says Ticketmaster and SeatGeek will show ticket fees up front, Miami Mayor Francis Suarez (R) announces run for president, Interview with Washington Post's Ian Duncan on Senate committee's postponing FAA reauthorization markup over disagreements on pilot training and expanding long-distance flights from DCA (18). Learn more about your ad choices. Visit megaphone.fm/adchoices

Caller Alex: recently got out of a 3 year relationship and throughout the relationship his sex addict manifested itself in many ways. At one point in the relationship he felt like disclosing his addiction. His partner knew about a men's group he attended, but did not know what the group was specifically for. Alex is wondering why was it so hard to disclose his addiction to a potential partner in the dating stages. Alex has had an experience of perhaps sharing too soon and it diminished the trust between them. Alex talks about the fears of sharing everything about himself and the brothers discuss the principles that go beyond a relationship. Along with these principles, the brothers dive into who Alex thinks he is and how to match disclosure with the level of the relationship. // SUBMIT YOUR QUESTION // We would love to answer any questions you have about addiction, trauma, recovery, healing, and anything you can think of. Click the link below to submit your question (and if you're open to being a guest on the podcast, you can schedule your call time as well)! We're also curious to know if there are any topics you'd like to hear us discuss on the podcast. https://www.therapybros.com/call-in-and-ask-a-question/ Send mail to: Therapy Brothers, 40 W Cache Valley Blvd Ste 3c, Logan, UT 84341 // Tyler Patrick LMFT | "The Wandering Therapist" // 15-Minute Free Consultation Call: https://lovestrong.com/consultation-call Therapy Practice: https://lovestrong.com Instagram: https://instagram.com/the.wandering.therapist Facebook: https://facebook.com/love.strong.org YouTube: https://www.youtube.com/channel/UCXaR4084r-Z_251xVdoyMFQ // Brannon Patrick LCSW | "The Expert" // Website: https://www.brannonpatrick.com Therapy Practice: https://therapyutah.org/ Instagram: https://instagram.com/brannon_patrick Facebook: https://www.facebook.com/ExpertBrannon YouTube: https://www.youtube.com/user/bpatricklcsw // SUPPORT OUR CHANNEL // Newsletter: https://www.therapybros.com/subscribe Donations: https://www.paypal.com/donate/?hosted_button_id=XQUZPJ6QNC22C Theme Music By: Max Wardle Music Books & Audiobooks We Recommend (We earn a small percentage from your purchase with any of the books links on this page): https://lovestrong.com/most-impactful-books/ // OUR COURSES // Boundary Bootcamp: https://www.brannonpatrick.com/Boundarybootcamp Pornography Addiction Recovery Kickstart: https://lovestrong.com/courses/overcome-pornography-addiction/ // OUR EVENTS // Radiant Dawn | Women's Retreat: https://radiantdawnconference.com/ Rising Son | Men's Retreat: https://risingson.org Vibrant Love | Couple's Retreat: https://vibrantlove.org

ACCEPTANCE around having HERPES is POSSIBLE! Stop resisting the path that you're on and SURRENDER to the new path that you're walking. Fam, herpes is such a non-issue for me, I've broken through the shame, I've accepted who Bek is and I love the journey I'm on. And, guess what? This could be you too! I've created a really unique framework to support you to powerfully be able to disclose your virus with ease. Included is a webinar, a workbook and scripts to help you on your journey. If you're ready for YOU 2.0, then strap yourself in fam, this is one HELL of an episode.I share:

Unlicensed Therapy | Music: @Nellzo --- Support this podcast: https://podcasters.spotify.com/pod/show/micalf/support

venmo. Dharmapunxnyc patreon. www.patreon.com/dharmapunxnyc

The Brady Rule is a legal principle that requires prosecutors to disclose exculpatory evidence to the defense in criminal cases. The rule is named after the landmark U.S. Supreme Court case, Brady v. Maryland (1963), which held that the prosecution has a constitutional obligation under the Due Process Clause of the Fourteenth Amendment to disclose evidence favorable to the accused that is material to guilt or punishment.The Brady Rule applies to all evidence that is favorable to the defendant, including evidence that tends to impeach the credibility of a prosecution witness. The rule also requires the prosecution to disclose any evidence that is known to the government, whether or not the prosecution intends to use the evidence at trial. This includes evidence that is in the possession of law enforcement agencies, as well as evidence that is in the possession of other government agencies, such as intelligence agencies.In this episode, we discuss the new information and how it may come into play during the trial.(commercial at 8:31)to contact me:bobbycapucci@protonmail.comsource:Idaho prosecutors disclosing info about 'internal affairs investigation' related to officer on Kohberger case | Fox NewsThis show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/5003294/advertisement

The Brady Rule is a legal principle that requires prosecutors to disclose exculpatory evidence to the defense in criminal cases. The rule is named after the landmark U.S. Supreme Court case, Brady v. Maryland (1963), which held that the prosecution has a constitutional obligation under the Due Process Clause of the Fourteenth Amendment to disclose evidence favorable to the accused that is material to guilt or punishment.The Brady Rule applies to all evidence that is favorable to the defendant, including evidence that tends to impeach the credibility of a prosecution witness. The rule also requires the prosecution to disclose any evidence that is known to the government, whether or not the prosecution intends to use the evidence at trial. This includes evidence that is in the possession of law enforcement agencies, as well as evidence that is in the possession of other government agencies, such as intelligence agencies.In this episode, we discuss the new information and how it may come into play during the trial.(commercial at 6:13)to contact me:bobbycapucci@protonmail.comsource:Idaho prosecutors disclosing info about 'internal affairs investigation' related to officer on Kohberger case | Fox NewsThis show is part of the Spreaker Prime Network, if you are interested in advertising on this podcast, contact us at https://www.spreaker.com/show/5080327/advertisement

durée : 00:06:20 - Camille passe au vert - par : Camille Crosnier - Place à la 76è édition du Festival de Cannes avec ses stars, son tapis rouge, ET ses jets privés, hélicos, yachts qui font aussi partie de la carte postale. L'organisation dit se mobiliser pour l'environnement et compenser les émissions carbone. Mais le site Disclose parle de "palme du greenwashing"

Help spread the darkness! Vote Up This Episode at https://weirddarkness.tiny.us/mvjsnkbz – you can vote up to 3X per day! Find Weird Darkness in your favorite podcast app at https://weirddarkness.com/listen. Subscribers to the podcast get to hear the radio show immediately after it airs – including the Sudden Death Overtime content! And Darkness Syndicate members (https://WeirdDarkness.com/Syndicate) get the commercial-free version! HOUR ONE: In Stephen King's “Pet Semetery”, beloved family pets could come back from the dead; in Washington there is a hole that some say brings animals back to life – for real. *** In the middle of the Brompton Cemetery grounds, shrouded by trees stands a mausoleum… and what some believe is a time machine. *** The Mothman is apparently no longer bound to Point Pleasant, West Virginia – in 2017 he appeared 55 times in Chicago. *** But first… Elva Heaster was dead – but that didn't stop her ghost from solving the murder.SOURCES AND ESSENTIAL WEB LINKS…“The Ghost Who Helped Solve Her Own Murder” by Matt Soniak for MentalFloss.com:https://weirddarkness.tiny.us/43jcvpe6 “Mel's Hole Is A Supernatural Infinite Pit That Revives Animals From The Dead And Remains A Mystery” by Maggie Clendenin for Ranker.com's Graveyard Shift: https://weirddarkness.tiny.us/1xpq30ql “55 Mothman Sightings In Chicago” from Disclose.tv (link no longer available)“The Legend of London's Time-Traveling Tomb” by Jake Rossen for MentalFloss.com:https://weirddarkness.tiny.us/7pgczqce = = = = = = = = = = = = = = = = = = = = = = = = = = = = = =HOUR TWO: An 11-year-old boy experiences the extraterrestrial in his own back yard. *** Floating white mist, pink orbs, ghosts, and more – and they all reside in Fiddletown, California. *** Charles E. Peck was killed instantly in a horrible 2008 Metrolink commercial train accident, but before anyone knew he was dead, his family members received 35 calls from his phone for several hours following the disaster. *** A museum has hung a chair from the ceiling, specifically to keep people from sitting in it. Not because they are afraid it will break – but because they are afraid the chair will kill you.SOURCES AND ESSENTIAL WEB LINKS…“UFO In My Front Yard” by Blake Lacy: https://tinyurl.com/y4vg26zn “Haunted Fiddletown” by paranormal investigator Paul Dale Roberts: https://tinyurl.com/yxjp9fr5 “This Man Kept Calling His Loved Ones… Even Though He'd Been Dead For Hours” by Erin McCann: https://tinyurl.com/y3onuq2o “The Deathly Stoop Chair of Thomas Busby”: https://tinyurl.com/ybbmabu4 = = = = = = = = = = = = = = = = = = = = = = = = = = = = = =SUDDEN DEATH OVERTIME: Conclusion of “The Legend of London's Time-Traveling Tomb”.SOURCES AND ESSENTIAL WEB LINKS…“The Legend of London's Time-Traveling Tomb” by Jake Rossen for MentalFloss.com:https://weirddarkness.tiny.us/7pgczqce = = = = = = = = = = = = = = = = = = = = = = = = = = = = = =Weird Darkness theme by Alibi Music Library. Background music, varying by episode, provided by Alibi Music, EpidemicSound and/or AudioBlocks with paid license. Music from Shadows Symphony: https://tinyurl.com/yyrv987t, Midnight Syndicate: http://amzn.to/2BYCoXZ, Kevin MacLeod: https://tinyurl.com/y2v7fgbu, Tony Longworth: https://tinyurl.com/y2nhnbt7, and/or Nicolas Gasparini/Myuu: https://tinyurl.com/lnqpfs8 is used with permission. 

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Mark and Gary reunite on Sunday morning to discuss the recent news making the rounds that Supreme Court Justice Samuel Alito has told reporters that he believes he knows who leaked the Dobbs draft that make headlines and they look ahead at the continuing civil trial of E. Jean Carroll suing former President Donald Trump. Watch Beyond A Reasonable Doubt and all Reasonable Doubt video content on YouTube exclusively at YouTube.com/ReasonableDoubtPodcast and subscribe while you're there.

There are many ways to earn income through podcasting: affiliates, sponsorships, sales, and more. Disclosing when you get compensated is not only the law, but it's also a good way to earn your audience's trust!

After dozens of classified documents were uploaded to an online gaming chat group, the FBI has arrested a suspect in connection with the leak. We’ll get into some of the digital breadcrumbs the suspect left behind and why there may be no such thing as anonymity on the internet. Then, the plot thickens in the Clarence Thomas scandal. Plus, what do Queen Latifah, Daddy Yankee and Super Mario have in common? Here’s everything we talked about today: Here's what we know about the leader of the online group where secret documents were leaked from The New York Times “US arrests suspect behind leak of Pentagon documents” from The Guardian “Billionaire Harlan Crow Bought Property From Clarence Thomas. The Justice Didn't Disclose the Deal.” from ProPublica “In a Growing Share of U.S. Marriages, Husbands and Wives Earn About the Same” from Pew Research Center “You Should’ve Asked” comic “That Famous Black Hole Just Got Bigger and Darker” from The New York Times “Inside Rupert Murdoch's Succession Drama” from Vanity Fair “Rupert Murdoch’s divorce settlement had a whole ‘Don’t talk to the Succession writers’ clause” from AV Club “Queen Latifah and the Super Mario Bros just made history together” from AV Club “Make Me Smart” has been nominated for a Webby Award! We are honored, but we can't win without your support. You can vote for “Make Me Smart” from now until April 20 by going to marketplace.org/votemms.

After dozens of classified documents were uploaded to an online gaming chat group, the FBI has arrested a suspect in connection with the leak. We’ll get into some of the digital breadcrumbs the suspect left behind and why there may be no such thing as anonymity on the internet. Then, the plot thickens in the Clarence Thomas scandal. Plus, what do Queen Latifah, Daddy Yankee and Super Mario have in common? Here’s everything we talked about today: Here's what we know about the leader of the online group where secret documents were leaked from The New York Times “US arrests suspect behind leak of Pentagon documents” from The Guardian “Billionaire Harlan Crow Bought Property From Clarence Thomas. The Justice Didn't Disclose the Deal.” from ProPublica “In a Growing Share of U.S. Marriages, Husbands and Wives Earn About the Same” from Pew Research Center “You Should’ve Asked” comic “That Famous Black Hole Just Got Bigger and Darker” from The New York Times “Inside Rupert Murdoch's Succession Drama” from Vanity Fair “Rupert Murdoch’s divorce settlement had a whole ‘Don’t talk to the Succession writers’ clause” from AV Club “Queen Latifah and the Super Mario Bros just made history together” from AV Club “Make Me Smart” has been nominated for a Webby Award! We are honored, but we can't win without your support. You can vote for “Make Me Smart” from now until April 20 by going to marketplace.org/votemms.

A suspect related to the Pentagon documents leak has been arrested. The suspect is a 21-year-old member of the Massachusetts Air National Guard. Ellen Nakashima, national security reporter for the Washington Post, joins us. And, a new revelation shows Supreme Court Justice Clarence Thomas sold property to Texas billionaire Harlan Crow and failed to disclose it. Jane Mayer, chief Washington correspondent for the New Yorker, outlines Thomas' history of similar behavior. Then, what is "woke" investing? It's a term given to ESG, or environment, social and governance investing. It's when investment firms consider climate change or other issues when making financial decisions. And some lawmakers want to ban it. Here & Now investigates.

Today's headlines: The 5th circuit court of appeals has allowed partial access to mifepristone abortion medication, but only up to 7 weeks and it cannot be sent through the mail. A new report from ProPublica found that Harlan Crow, a billionaire mega donor, purchased Clarence Thomas's childhood home without reporting the sale on his financial disclosures as required. Senator Diane Feinstein is giving up her seat on the Judiciary Committee due to health issues, which caused delays in the confirmation of Biden judges. Delaware Judge Eric Davis sanctioned Fox and its parent company Fox Corporation for withholding evidence in the Dominion Voting Systems lawsuit. Federal investigators have arrested a member of the intelligence wing of the Massachusetts Air National Guard for leaking classified Pentagon documents on a Discord group. Resources/Articles mentioned this episode: NY Times: Abortion Is Back at Supreme Court's Door After Dueling Orders on Pill ProPublica: Billionaire Harlan Crow Bought Property From Clarence Thomas. The Justice Didn't Disclose the Deal. Slate: Clarence Thomas' Mom Definitely Still Lives in the House the Billionaire Bought Washington Post: Diane Feinstein to give up Judiciary Committee Seat NBC News: Fox News sanctioned for withholding evidence in Dominion defamation case Air National Guardsman Arrested as F.B.I. Searches His Home CBS News: FBI office warns against using public phone charging stations at airports or malls, citing malware risk Morning Announcements is produced by Sami Sage alongside Amanda Duberman and Bridget Schwartz