Podcasts about Duty

The social duty of religion and the right to religious freedom are presented to us in the Catechism. We examine what it means to have respect for other religions and the freedom, within limits, to exercise our convictions. Fr. Mike makes it clear that it is our calling as Christians to evangelize and bring our Catholic Christianity to the public square. Today's readings are Catechism paragraphs 2104-2109. This episode has been found to be in conformity with the Catechism by the Institute on the Catechism, under the Subcommittee on the Catechism, USCCB. For the complete reading plan, visit ascensionpress.com/ciy Please note: The Catechism of the Catholic Church contains adult themes that may not be suitable for children - parental discretion is advised.

Send us Fan MailReal estate agents talk constantly about fiduciary duty—loyalty, disclosure, reasonable care and putting the client's interests first.But does the real estate industry actually practice what it teaches?In this episode of Dishin' Dirt, Gary Pickren takes a hard look at the conflicts between fiduciary duty and the way real estate professionals actually make money.The Sitzer/Burnett case was an antitrust case, but the compensation system it challenged raises a much bigger question: Was guaranteeing buyer-agent compensation really in the seller's best interest—or was it simply good for the industry?And after Sitzer, have we really changed?Gary examines:• Broker-to-broker compensation and why South Carolina REALTORS changed its forms• Whether compensation should be negotiated as part of the offer• Private and office-exclusive listings• The South Carolina Real Estate Commission's limited-market-exposure guidance• Research comparing private listings with broadly marketed properties• Why brokerages want to control listings and consumer data• Dual agency and the financial incentive to capture both sides• Steering, affiliated services and other everyday conflicts of interest• Why getting a client's signature isn't necessarily informed consent• Why "it's legal" isn't the same as "it's in my client's best interest"• What the next generation of real estate litigation could look likeThroughout the episode, Gary proposes one simple test every real estate professional should use:WHO BENEFITS?And an even harder question:If your compensation disappeared from the decision, would you give your client the exact same advice?Because fiduciary duty isn't really tested when doing the right thing also makes you money.It's tested when putting your client first costs you something.If the real estate industry wants consumers to view agents as trusted advisors, this is a conversation we need to have.

Host: Lalo Solorzano Guest(s): Arthur O'Meara Published: September 30 Length: ~12 minutes Presented by: Global Training Center Summary DDP can sound like the perfect solution for a customer: the seller handles everything and delivers the goods. But for the seller, Delivered Duty Paid can bring obligations and costs that aren't always obvious when the deal is made. In the final installment of this four-part Simply Trade Tips series, host Lalo Solorzano and Arthur O'Meara return to Incoterms® to examine DDP. Arthur, an Incoterms® instructor certified by the International Chamber of Commerce, explains why sellers need to understand a destination country's importer-of-record requirements before agreeing to DDP. Using Canada as an example, Arthur explores non-resident importer registration and the potential impact of GST. He also explains an important distinction: free trade agreements may address duties, but that doesn't mean other taxes disappear. The conversation then flips the scenario to U.S. imports, where Arthur explains why having a foreign supplier act as importer of record doesn't automatically reduce the dutiable value or eliminate the U.S. buyer's exposure to Customs questions. The series ends with a straightforward lesson: do your homework before something goes wrong. Edit-16---Arthur-Lalo-Take-04 (… Main Topic / Discussion This episode focuses on DDP (Delivered Duty Paid) and the obligations sellers can assume when agreeing to this Incoterms® rule. Arthur explains that DDP places extensive responsibilities on the seller, including obligations surrounding import customs clearance. That can create an immediate complication when selling into countries that require an importer of record to maintain an in-country presence. Even where non-resident importer provisions exist, additional tax considerations may arise. Arthur uses Canada to illustrate how an American seller could become a non-resident importer and still encounter GST obligations that are separate from customs duties. Lalo and Arthur also discuss the importance of educating departments outside trade compliance—particularly sales and purchasing—so Incoterms® aren't selected simply because they make a transaction easier to close. Finally, Arthur addresses the misconception that using a foreign supplier as importer of record into the United States automatically creates a lower dutiable value. His broader point: the Incoterms® rule and importer-of-record structure should be chosen strategically, not simply because they appear convenient. Edit-16---Arthur-Lalo-Take-04 (… Key Takeaways • DDP creates significant seller obligations: Understand what you're agreeing to before promising a customer that you'll “take care of everything.” • Check importer-of-record requirements: Countries can have different rules governing whether a foreign seller can serve as importer of record. • Duty-free doesn't necessarily mean tax-free: Arthur emphasizes that free trade agreements address duties, while other taxes such as VAT or GST can still apply. • Train sales and purchasing teams: Incoterms® decisions shouldn't exist only within the trade compliance department. Commercial teams need to understand the consequences of the terms they negotiate. • Don't assume changing the importer of record reduces dutiable value: Arthur explains why making the foreign supplier the importer of record does not automatically mean duties will be calculated using the supplier's production cost. • Do your homework: “This is how we've always done it” isn't a substitute for understanding the transaction and preparing before something goes wrong. Resources & Mentions • Global Training Center • Incoterms® Training — Explore training on Incoterms® rules, buyer and seller responsibilities, risk, costs, and international transactions. • Import Compliance Training — Training for professionals responsible for U.S. import compliance and Customs requirements. Credits Host: Lalo Solorzano Guest(s): Arthur O'Meara - LinkedIn Producer: Lalo Solorzano

00:00:00 Ezekiel 1 – Ezekiel's Vision of Four Living Creatures and the Glory of the LORD00:04:24 Ezekiel 2 – Ezekiel's Commission as a Prophet and the Roll of a Book00:05:52 Ezekiel 3 – Ezekiel Eateth the Roll and is Made a Watchman unto Israel00:10:05 Ezekiel 4 – The Type of the Siege of Jerusalem and the Iron Pan00:12:52 Ezekiel 5 – The Type of the Hair and the Judgment of Jerusalem00:16:09 Ezekiel 6 – The Judgment of Israel for Their Idolatry and a Remnant Saved00:18:36 Ezekiel 7 – The Final Desolation of Israel and the End is Come00:22:36 Ezekiel 8 – The Vision of Abominations in the Temple at Jerusalem00:25:53 Ezekiel 9 – The Vision of the Marked Men and the Slaughter in Jerusalem00:27:59 Ezekiel 10 – The Vision of Coals of Fire and the Cherubims00:31:26 Ezekiel 11 – The Presumptuous Princes and the Promise of a New Spirit00:35:00 Ezekiel 12 – The Type of Ezekiel's Removing and the Captivity Foretold00:39:09 Ezekiel 13 – The Reproof of Lying Prophets and Untempered Morter00:42:58 Ezekiel 14 – Idolatrous Elders Reproved and the Unavoidable Judgments00:46:57 Ezekiel 15 – The Unprofitableness of the Vine Tree00:48:03 Ezekiel 16 – The Unfaithfulness of Jerusalem and God's Covenant of Mercy00:58:06 Ezekiel 17 – The Parable of Two Eagles and a Vine01:01:59 Ezekiel 18 – The Soul That Sinneth, It Shall Die01:06:58 Ezekiel 19 – A Lamentation for the Princes of Israel01:08:49 Ezekiel 20 – The Rebellions of Israel and God's Promise of Restoration01:16:46 Ezekiel 21 – The Sharp and Bright Sword Drawn Against Jerusalem01:21:45 Ezekiel 22 – A Catalogue of Sins in Jerusalem and the Smelting Furnace01:26:09 Ezekiel 23 – The Whoredoms of Aholah and Aholibah01:33:22 Ezekiel 24 – The Parable of the Boiling Pot and the Death of Ezekiel's Wife01:37:20 Ezekiel 25 – Vengeance Against Ammon, Moab, Edom, and the Philistines01:40:03 Ezekiel 26 – The Destruction and Ruin of Tyrus Foretold01:43:37 Ezekiel 27 – The Rich Supply and Great Fall of Tyrus01:48:45 Ezekiel 28 – The Judgment of the Prince of Tyrus and Zidon01:52:52 Ezekiel 29 – The Desolation of Egypt and Pharaoh's Judgment01:56:15 Ezekiel 30 – The Desolation of Egypt and Her Helpers02:00:02 Ezekiel 31 – The Glory and Fall of Assyria as a Cedar02:03:25 Ezekiel 32 – A Lamentation for the Fearful Fall of Egypt02:08:45 Ezekiel 33 – The Duty of the Watchman and the Justice of God's Ways02:14:04 Ezekiel 34 – A Reproof of False Shepherds and the Promise of the True Shepherd02:18:50 Ezekiel 35 – The Judgment of Mount Seir for Their Hatred of Israel02:20:58 Ezekiel 36 – Israel Comforted with Promises of Blessing and Renewal02:27:01 Ezekiel 37 – The Vision of the Dry Bones and the Two Sticks02:31:17 Ezekiel 38 – The Malice and Judgment of Gog02:35:07 Ezekiel 39 – God's Judgment Upon Gog and the Restoration of Israel02:39:37 Ezekiel 40 – The Vision of the Measuring of the Temple02:47:38 Ezekiel 41 – The Measures, Parts, Chambers, and Ornaments of the Temple02:51:37 Ezekiel 42 – The Chambers for the Priests and the Outer Measures of the Temple02:54:32 Ezekiel 43 – The Glory of the LORD Returneth into the Temple02:59:03 Ezekiel 44 – The East Gate Kept for the Prince and the Priests' Ordinances03:04:34 Ezekiel 45 – The Portion of Land for the Sanctuary, City, and Prince03:09:14 Ezekiel 46 – Ordinances for the Prince's Worship and the People03:13:27 Ezekiel 47 – The Vision of the Holy Waters and the Borders of the Land03:17:22 Ezekiel 48 – The Portions of the Twelve Tribes and the Gates of the City

This episode explores the potential doubling of machine games duty in the UK, its implications for land-based operators, and the broader impact on the gambling industry and sports sponsorships. Experts discuss government pressures, industry responses, and future outlooks.Key TopicsPotential doubling of machine games duty in the UKImplications for land-based betting shops and closuresGovernment support and industry lobbying effortsImpact on sports sponsorships and racing industriesIndustry response to tax hikes and regulatory pressuresFuture outlook for online and retail gambling sectorsHost: Fernando NoodtGuests: Christian Lee & Patrick KilleenProducer: Anaya McDonaldEditor: Anaya McDonaldLearn how Optimove's Positionless Marketing is changing how iGaming teams operate. Discover how operators are using Optimove's Positionless Marketing Platform to launch personalised CRM campaigns, dynamically change casino lobbies and bet slips, and create engaging gamified experiences. Learn more at optimove.com.Finally, remember to check out Optimove at https://hubs.la/Q02gLC5L0 or go to Optimove.com/sbc to get your first month free when buying the industry's leading customer-loyalty service. 

Nos toca empezar con una nueva noticia de reestructuración de XBOX. Halo por Activision? que significa el overhead de los del Duty? Y lo de King? Para los análisis traemos dos grandes títulos. Revelations, la expansión de Doom The Dark Ages y Mouse P.I. For Hire, el llamativo FPS cartoon. Cerramos con la filtración de chips de PS6 y las novedades de Project Helix Comentarios: https://t.me/comentariosindiepodcast

Rev. Cyril A. Stevens – Sermon 0259A recorded on November 30, 1980 teaching from Ecclesiastes 12:13-14 – Let Us Hear the Conclusion of the Whole Matter: Fear God, and Keep His Commandments: for This is the Whole Duty of Man. Pastor Cyril A. Stevens argues that human pursuits such as intellectualism, physical pleasure, and professional…

Welcome to the CanadianSME Small Business Podcast, hosted by Maheen Bari. Business travel is changing, from where employees go to how companies manage every booking, expense, and safety concern. Today, we explore the trends shaping Canadian corporate travel and the technology making it easier to manage.Joining us is Kristen Hrycoy, Director Channel Sales Executive at SAP Concur. With extensive experience across the travel industry, Kristen brings insights from SAP Concur's 8th Annual Global Business Travel Survey and shares how Canadian businesses can balance employee needs, costs, and smarter travel management.Key HighlightsCanadian Travel Trends: What the latest business travel data reveals about Canadian employees.Overtourism Challenges: Preparing for crowded destinations without disrupting business plans.AI Powered Travel: Personalizing bookings while improving compliance and convenience.Duty of Care: Building travel programs that protect employees and support business continuity.Smarter Travel Policies: A practical way leaders can improve corporate travel management.Special Thanks to Our Partners:UPS: https://solutions.ups.com/ca-beunstoppable.html?WT.mc_id=BUSMEWAADP Canada: https://www.adp.ca/en.aspxFor more expert insights, visit https://canadiansme.ca/ and subscribe to the CanadianSME Small Business Magazine. Stay innovative, stay informed, and thrive in the digital age!To learn more about how we are supporting the ecosystem, please visit the CanadianSME Small Business Foundation at https://smbfoundation.ca/.Disclaimer: The information shared in this podcast is for general informational purposes only and should not be considered as direct financial or business advice. Always consult with a qualified professional for advice specific to your situation.

Thom's Nutshell: Serious condition: I'll be okay as soon as that thing that happened to me didn't happen to me. There's a difference between blame and responsibility. Blame comes from “low differentiation,” or a low level of emotional maturity. It's a sign of where we're stuck in our development-fused with our environments. Taking responsibility, conversely, empowers us. It gives us more possibilities, brings in enthusiasm and zeal. We're working towards self-support, where we act for ourselves without being selfish, and acting for others without losing ourselves. Our music is provided by the great southern artist Jefferson Ross. Learn more about Jefferson at jeffersonross.com Visit our website: www.emotionalsobriety.info Learn more about Joe C., Secular AA and Rebellion Dogs here: https://rebelliondogspublishing.com  Follow us on social media: Instagram: thomrutledge2 Joe C. Twitter: @Rebellion_Dogs   Friendly Circle Berlin workshops: https://friendlycircleberlin.org/events   Allen's book, 12 Essential Insights for Emotional Sobriety: https://www.amazon.com/12-Essential-Insights-Emotional-Sobriety/dp/1955415129/   Join Allen & Thom at our Thursday night, 7pm PST Zoom meeting on Emotional Sobriety and the Steps (login information below):  https://zoom.us/j/330149513 Password: 375986   For our ongoing workshop video series on Emotional Sobriety and the 12 Steps, visit our YouTube channel here: https://www.youtube.com/channel/UCHEM2-kqLkfp3I4c0jy-X-g   Also, please join our “Emotional Sobriety and Recovery” FB Group at the following link: https://www.facebook.com/groups/120450976662519 We'd love to stay in touch in between meetings.   We appreciate feedback! Contact Patrick, our producer, at pndirective4@gmail.com for any questions or comments. Chapters (00:00:07) - Introduction and Recovery 2.0 Retreat with Tommy Rosen(00:02:46) - Yoga, Travel, and Recovery Speaking Life(00:03:58) - Blame vs Responsibility: Defining Emotional Immaturity(00:08:50) - How Blame Turns Us Into Victims(00:10:20) - Walking Through a Disappointment Scenario(00:12:27) - Empowerment Through Responsibility(00:13:49) - Joining Joe: Milestones in Long-Term Sobriety(00:14:33) - Childlike Curiosity vs Duty and Obligation(00:16:58) - Addiction as a Solution That Almost Worked(00:18:00) - Self-Regulation and Mindfulness(00:20:16) - Expressing Feelings Through Music(00:21:10) - New Parenthood and Emotional Sobriety(00:23:04) - Uncharted Territory: Supporting a Struggling Friend(00:26:24) - Living With Human Range, Not Transcending It(00:27:41) - Agency, Responsibility, and Passing Time(00:29:04) - Perpetrator, Victim, Rescuer Triads(00:30:23) - Programming, Privilege, and the Limits of Emotional Work(00:31:54) - Responsibility as Meaning, Not Burden

Esta semana decidimos conhecer o 'Tony' numa biopic de um conhecedor mundial do mundo gastronómico. Neste episódio, falamos de notícias, o que andamos a ver e terminamos com a review do filme 'Tony'.NOTÍCIASLázaro fala sobre a mudança da Disney+ e Hulu (URL), planos para Edinburgh da familia de Sean Connery (URL), um arquivo digital vindo de França (URL) e uma nova plataforma de micro-dramas (URL);Luís fala sobre o regresso de uma série da Netflix (URL) e um desenvolvimento para uma série de Mary Poppins (URL);Erick fala sobre novos filmes num universo espacial (URL), novo casting para a nova biopic de Fred Astaire (URL), um novo projeto para a Netflix (URL), um novo revival para ‘Silent Hill' (URL) e a expectativa dos fãs para o filme de ‘Bloodborne' (URL).O QUE ANDAMOS A VER?LázaroDoom (2005)Line of Duty (2019)Point Break (1991)LuísThe Runner (2026)The Whisper Man (2026)La La Land (2016)ErickTeenage Sex and Death at Camp Miasma (2026)Heart of the Beast (2026)The Rivals of Amziah King (2026)Normal (2026)Para a semana vamos fazer review do filme 'Digger'.Até lá, bons filmes.**Música Original produzida por António Capelo (https://capelo.me)Sigam-nos em:https://twitter.com/peliculapodcasthttps://instagram.com/peliculapodcasthttps://facebook.com/peliculapodcast

#LFC #115 #Football Gav, Emmet & Seany chat Isak & Gakpo, 115 charges, playing Israel and more! ALL PATREON PAID MEMBERS CAN WATCH THIS SHOW AD FREE JOIN OUR PATREON - patreon.com/TalkinKopPodcast Subscribe, Like, Hit the bell icon and never miss another show! ** All views on the show are those of the individual and do not represent those of the Talkin' Kop ** lfc fan channel - liverpool fan channel - liverpool fc - lfc - lfc fan reaction - liverpool fan tv - lfc fan tv - lfc fan media - liverpool match reaction - lfc live chat - liverpool live chat - anfield reaction - liverpool live podcast - lfc live podcast - liverpool news - lfc news - liverpool free content - lfc live shows - liverpool analysis - lfc matchday - liverpool matchday - liverpool transfer news - liverpool transfer updates - lfc transfer news - liverpool live - liverpool podcast Training in the Fire by Twin Musicom is licensed under a Creative Commons Attribution 4.0 license. https://creativecommons.org/licenses/by/4.0/ Artist: http://www.twinmusicom.org/ Learn more about your ad choices. Visit podcastchoices.com/adchoices

Daniel Barnett's Employment Law MasterClass - www.danielbarnett.com/masterclassTimeline update - https://www.gov.uk/government/publications/implementing-the-plan-to-make-work-pay-and-employment-rights-act/plan-to-make-work-pay-and-employment-rights-act-timeline-updateDuty to inform consultation outcome - Full response PDF (27 pages): https://assets.publishing.service.gov.uk/media/6ab39b77fe72ed1e2b02ef02/government-response-make-work-pay-duty-to-inform-workers-of-their-right-to-join-a-trade-union.pdfAsk a question about the Employment Rights Act 2025 - www.danielbarnett.com/eraquestion

Andy Burnham is giving his first Labour Party Conference speech as PM tomorrow - he's expected to give more details about his signature plan for free social care for the elderly and vulnerable. There are reports that he will propose a review to the pension triple lock. We speak to the business secretary Jonathan Reynolds.Also on the programme: what do we know about what happened at RAF Fairford, after the five suspects arrested last night are released. Plus a Ukrainian teacher's diary and the 11-year-old Londoner who's just become the youngest women's chess grandmaster.

Everyone loves growth, and no one wants to feel stuck. So why is it so easy to let the Bible gather dust?In week three of Casual to Committed, Pastor Timothy looks at 2 Peter 1:3–9 and shows that the problem usually isn't a lack of reading plans. It's a lack of gospel motivation. Duty-driven effort says, "I will try harder and grow." The gospel says, "I am a sinner who can't keep it up, God loves me anyway, and God will grow me."You'll hear three gospel reasons to open your Bible this week:1. God's divine power has already given you everything you need for a godly life.2. God's Word is packed with great and precious promises, and God himself stands behind every one.3. Through his Word, the Holy Spirit shapes you to look more and more like Jesus.Whether you read the Bible every day or haven't opened one in years, this message is an invitation to stop white-knuckling your faith and start sinking roots into what Jesus has already done for you.

Send us Fan MailMuslims with doubts! Doubt no more! YOU are welcome to come onto the stream and tell us your doubts about Islam. Doubt Busters is here to help empower you. So keep a note of your doubts and questions on Islam and call into the show or post your questions in the live chat.  Please note : waiting lists are very high and places are limited to a maximum of 10 placements at any given time so keep your questions concise, to the point and please be patient. Link to join the stream : Please support Br Ijaz with his monthly medical fees: https://buymeacoffee.com/ijazthetrini© 2026 EFDawah All Rights ReservedWebsite : https://efdawah.com/https://www.patreon.com/EFDawahhttps://gofund.me/7cb27d17https://www.paypal.me/EFDawahTimestamps:00:00 - Intro01:08 - EF Dawah Panel join: Format of the Stream04:00 - Exploring the doubts of muslims today07:29 - Exposing the "free thinking" mindset16:30 - Rationality, Morality & Duty in Islam20:34 - Critical thinking vs Ultra-skepticism 25:32 - Ramifications of Nihilism 26:56 - Power of having connection with Allah ﷻ 29:46 - Dawah via good actions & practising Islam33:22 - Veracity of the Hadith & its transmission 43:52 - Debunking the claims against the Hadith47:24 - Truth about the hadith rejection movement49:47 - Harsh reality & adverse impact of feminism54:35 - Wisdom of Segregation of Sexes in Islam59:59 - Br. Sarmad joins: Islamic position on Zina1:02:43 - Benefits of controlling one's bad desires1:13:11 - The Sagacity behind Prohibitions in Islam1:17:44 - Quranic argument against hadith rejection1:19:00 - Roy (Christian) joins: shares his views1:24:15 - Discourse on Muslim-Christian dialogues1:29:32 - Message to Christians1:32:42 - Advice to Muslims about building Emaan1:36:52 - Lighthouse mentoring & other services1:40:30 - Insights into the Islamic view of Niqab1:45:11 - LZS joins & shares her background1:50:20 - Discussion on increasing one's emaan1:58:16 - Advantages of dawah via social media1:59:30 - Strategy for not procrastinating Salah2:03:04 - Troll joins: Problems with bad behaviour2:06:45 - Replying to a question about a pet dog2:10:18 - Addressing the viewers & the chat2:12:16 - How to respond to harsh/abusive people2:17:11 - Anonymous joins2:17:40 - Dealing with Anxiety & Stress as Muslims2:28:01 - Letting out one's emotions to Allah ﷻ2:29:53 - Levels of dealing with hardships in Islam2:35:24 - Navigating life's difficulties as Muslims2:37:39 - Hope & Mercy of Taubah in Islam2:40:55 - Message & Reminder to Muslims2:55:39 - Closing Remarks & Wrapping UpSupport the show

IntroductionJesus' parable about two sons who don't do what they sayreveals surprises in the reign of God. Paul urges us to look toChrist as a model of humility, putting the interests of others aboveour own. Nourished by the broken bread and shared cup, weoffer our lives for the sake of our needy world. Psalm 25:1-9, Philippians 2:1-13 and Matthew 21:23-32

Mythical Achievements und neue Nachrichten zum Xbox Umbau. Herrje, starten wir schlimm aus der Urlaubszeit raus.Kontakt gamingpodcast.splitscreen@gmail.com

Spurs Chat: Discussing all Things Tottenham Hotspur: Hosted by Chris Cowlin: The Daily Tottenham/Spurs Podcast Hosted on Acast. See acast.com/privacy for more information.

Will's got himself in a pickle that only Papa Picard can placate.Heads up, I mention Hagrid and that famous wizard school a few times in this episode.This is a special release from the SWM Vault. It's been remastered and re-edited, but it might be a little looser than a new episode. If you want access to the full vault, you can join Sleep With Me Plus at sleepwithmepodcast.com/plusGet your Sleep With Me SleepPhones. Use "sleepwithme" for $5 off!!Are you looking for Story Only versions or two more nights of Sleep With Me a week? Then check out Bedtime Stories from Sleep With MeThis episode is produced by Rusty Biscuit aka Russell Sperberg.Show Artwork by Emily TatGoing through a hard time? You can find support at the Crisis Textline and see more global helplines here.HELIX SLEEP - Take the 2-minute sleep quiz and they'll match you to a customized mattress that'll give you the best sleep of your life. Visit helixsleep.com/sleep and get a special deal exclusive for SWM listeners!ZOCDOC - With Zocdoc, you can search for local doctors who take your insurance, read verified patient reviews and book an appointment, in-person or video chat. Sign up for FREE at zocdoc.com/sleepAQUATRU - Give yourself the gift of clean water and get 20% off your AquaTru purifier by going to AquaTru.com and using promo code SLEEPAIRDOCTOR PRO - AirDoctor's powerful 3-stage filtration captures extremely small particles and airborne contaminants you don't want to be breathing in. Get $300 off and a 3-year warranty by going to AirDoctorPro.com and using code SLEEPPROGRESSIVE - With the Name Your Price tool, you tell Progressive how much you want to pay for car insurance, and they'll show you coverage options that fit your budget. Get your quote today at progressive.comTALKIATRY - Talkiatry gives you access to real psychiatric care with licensed clinicians who can diagnose and prescribe medication if it's right for you. Head to Talkiatry.com/SLEEP to complete the short assessment and get matched with an in‑network psychiatrist in just a few minutes.QUINCE - Quince Superfood Greens cuts through all the nutrition noise with one simple, daily scoop that helps fill in your nutrient gaps and support your overall health. Head to quince.com/sleepwithme for free shipping and 365-day returns.DRIPDROP - DripDrop is doctor-developed, proven fast hydration that helps your body and mind work better. To get 20% off your first order, go to dripdrop.com and use promo code "sleep".COZY EARTH - Head to cozyearth.com and use code SLEEP for 20% off their luxurious bamboo sheets that keep you cool while you sleep.  Learn about your ad choices: dovetail.prx.org/ad-choices

Send us Fan MailYour fiduciary duty does NOT mean you work for free.Real estate agents hear it constantly: Your client's interests come first. That's absolutely true—but somewhere along the way, some agents began interpreting fiduciary duty to mean they must give up their commission, contribute money to save a deal, or surrender the contractual rights they negotiated with their client.That's not what fiduciary duty means.In this episode of Dishin' Dirt, real estate attorney Gary Pickren breaks down the other side of an agent's fiduciary obligations: your right to protect yourself and get paid for the work you perform.We discuss:• Why fiduciary duty is not "financial martyrdom"• Why your commission is NOT the transaction's emergency fund• Whether agents are obligated to cut their commission to save a deal• Buyer agency agreements and compensation shortfalls• The difference between protecting your commission and putting your interests ahead of your client• When compensation concerns can become a fiduciary problem• What happens when a seller changes their mind after you've done the work• Why your agency agreement is a two-way contract• How South Carolina agents can protect their compensation without violating their duties to their clientsThe bottom line is simple:Your compensation can never come before your fiduciary duty—but your fiduciary duty does not mean you work for free.If you're a real estate agent, broker, BIC, or anyone dealing with today's changing commission and buyer-agency environment, this is an episode you need to hear.

Alison Mitchell, Jim Maxwell and Charu Sharma look back at Mark Wood's England career and discuss the toll fast bowling can take on the body. The World Cup and Ashes winner has retired from international cricket, saying “the England dream has slowly been ground out of me over the last year”.IPL franchise Chennai Super Kings have appointed former Indian bowler Zaheer Khan as their head coach on a one-year deal. He succeeds Stephen Fleming, who is now the coach of England's Test team. Charu isn't convinced it's the right call for one of the most successful teams in IPL history, and what does this mean for MS Dhoni's role in the team?Plus, what do you do if your kit doesn't fit you? Design your own of course. That's exactly what sisters Cat and Honor Black have done. Fed up with wearing gear that wasn't made for them, they've launched their own brand exclusively for women and girls. They tell Stumped about their journey.Photo: England's Mark Wood celebrates after taking the wicket of Australia's Usman Khawaja on day three of the fourth Ashes cricket Test match between England and Australia at Old Trafford cricket ground in Manchester, England on July 21, 2023. (Photo by OLI SCARFF/AFP via Getty Images)

It's a special 90-minute presentation of WCW Monday Nitro in the aftermath of Slamboree '96. Ric Flair is stylin' and profilin' all over this episode starting with a banger against Eddie Guerrero early in the night before joining the commentary team for the rest of Nitro. The Tag Team division is on full display with the WCW Tag Team champions Sting and Lex Luger taking on The Faces of Fear and The Steiner Brothers battling Fire & Ice. The newly crowned Lord of the Ring, Diamond Dallas Page, gives us a glimpse into his final form. The Giant defends the WCW World Title against Arn Anderson.  Follow us on Instagram @GetItAgainPodcast Got 2 (or more) words for us? Email us at GetItAgainPodcast@gmail.com

In this episode, we perceive the torment in a person’s heart, as portrayed in Sangam Literary work, Aganaanooru 339, penned by ‘Narai Mudi Nettaiyaar’. Set in the ‘Paalai’ or ‘Drylands Landscape’, the verse depicts a dilemma in a tangible manner. வீங்கு விசை பிணித்த விரை பரி நெடுந் தேர்நோன் கதிர் சுமந்த ஆழி ஆழ் மருங்கில்,பாம்பு என முடுகுநீர் ஓட, கூம்பிப்பற்று விடு விரலின் பயறு காய் ஊழ்ப்ப,அற்சிரம் நின்றன்றால், பொழுதே; முற்படஆள்வினைக்கு எழுந்த அசைவு இல் உள்ளத்துஆண்மை வாங்க, காமம் தட்ப,கவை படு நெஞ்சம்! கண்கண் அகைய,இரு தலைக் கொள்ளி இடை நின்று வருந்தி,ஒரு தலைப் படாஅ உறவி போன்றனம்;நோம்கொல்? அளியள் தானே யாக்கைக்குஉயிர் இயைந்தன்ன நட்பின், அவ் உயிர்வாழ்தல் அன்ன காதல்,சாதல் அன்ன பிரிவு அரியோளே! In this trip to this much-frequented domain, we hardly get to see any scenes there but get to do a deep dive into the man’s mind, as we listen to him say these words to his heart, in the middle of his journey, after having parted from the lady, to go on and complete a mission: “In the deep imprints of sturdy-spoked wheels of the tall chariot, yoked with speeding horses, made when rushing past, akin to snakes, water slithers by, and in these spaces, akin to stretched-out fingers, bean pods sprout, at this time, when the cold season is ending. The untiring mind that rises to complete this mission is pulled in front by my sense of duty, and is pulled behind by my feeling of passion. In this way, my heart that is split into two, becomes an ant, caught in the centre of a twig that is burning on both ends at the nodes, unable to move either side. Won't she be suffering? That precious maiden, has become bonded with me, akin to life that is fused in a body, and has made it so, such that loving her is like living life and parting from her is suffering death!” Let’s listen with empathy to this emotional outpouring! The man starts by talking about the time of the year, one wherein the cold season is on its way out, and bean pods seem to be branching out like stretched fingers, and everywhere, water seems to be slithering like snakes in the wheel imprints of his tall, speeding chariot. From the outer world, the man turns the light on his heart and mentions how it’s pulled on one side by his sense of responsibility to complete the work expected of him, and on the other side, by his passion for his beloved. He etches in an exquisite manner the way his heart is languishing exactly like an ant that is caught in the middle of stick that’s burning on both sides, not finding a way to move forward or backward. Then, from his own state, the man turns to wonder about the suffering of the lady and concludes by declaring that she has fused as one with him, like life in a form, and that only being next to her was living, whereas parting away from her was death, so precious she was to him! Passion and yearning sparkles in every line of this little verse, portraying that impossible battle in the life of a man from the Sangam era, caught between the burning flames of moving towards work and staying behind with love!

Inter Miami has a BIG problem heading into this weekend.

Episode 198: Re-release, Episode 109 of the American Grown Podcast in the Colortech Creative Solutions studios with Paul Bomba Author of the novel No Lifeguard on Duty.•In this episode, I re-released episode 109 featuring Paul Bomba. Paul shares the story of getting out of his “golf cart” of retirement and embarking on an unexpected third career path...becoming an author.Growing up in Asbury Park, Paul experienced the 1970 race riots firsthand, an experience that stayed with him throughout his life. He describes it as feeling like he had sand in his shoes ever since that day, a reminder of an experience he could never quite shake.After years of working in the corporate world, Paul finally mustered up the courage to shake the sand out and put his story, experiences, and imagination onto the page. That leap led him to write his very first novel and discover a new chapter of purpose and creativity.We talk about life after retirement, finding the courage to start something new, and the people who help us get through life's toughest moments.•⁠To learn more about Paul Bomba click here:⁠•SHOW SPONSORS:⁠Cleona Coffee Roasters.⁠ A small batch coffee roastery & coffee shop, veteran & first responder owned located inside 911 Rapid Response in Annville PA.⁠Angelo's Pizza. ⁠Enjoy mouthwatering Italian dinners.⁠Triggered 22. ⁠Support a local veteran and help spread awareness for PTSD & #22aday.⁠Hossler Engraving.⁠ Looking for unique handcrafted gifts for all occasions Zach has you covered.⁠Hains Auto Detailing. ⁠Have your car smiling from wheel to wheel.•Sip or Snack break?SIP: ⁠Garage Beer.⁠SNACK: ⁠Jurgy.⁠•OFFICIAL STUDIO SPONSOR: ⁠Colortech Creative Solutions ⁠takes your creative projects from visualization to realization. We've been doing so since 1980 all while keeping your budget in mind.To see photos of today's guest follow on social media:⁠IG: AmericanGrownPodcast⁠⁠FB: American Grown Podcast⁠ or visits us at American Grown Podcast

This week, we bring in two experts to actually break down the Duty of Care bill. "Angertainment" author Ed Coper explains how algorithms exploit human psychology to manipulate us, and lawyer James Glissan, who's actually read the bill, walks through what it really says, what's overblown, and where the genuine problems are. Bypass the Algorithm, Sign up to the Punter Times Newsletter https://www.punterspolitics.com/pages/email-sign-up Support We the Punters on PATREON (https://www.patreon.com/punterspolitics) Buy Punters Stickers & T-shirts (https://www.punterspolitics.com/) Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, industry experts discuss the potential impact of increased machine game duty on retail betting shops, government policy, and the future of gambling regulation. They explore the economic and social implications of regulatory changes and industry responses.Key TopicsImpact of machine game duty on retail betting shopsGovernment policy and tax proposals for gamblingIndustry response to regulatory changesEconomic and social implications of gambling regulationThe decline of high street betting shops and industry adaptationHost: Charlie HornerGuests: Joe Streeter & Ted Orme-ClayeProducer: Anaya McDonaldEditor: Anaya McDonaldLearn how Optimove's Positionless Marketing is changing how iGaming teams operate. Discover how operators are using Optimove's Positionless Marketing Platform to launch personalised CRM campaigns, dynamically change casino lobbies and bet slips, and create engaging gamified experiences. Learn more at optimove.com.Finally, remember to check out Optimove at https://hubs.la/Q02gLC5L0 or go to Optimove.com/sbc to get your first month free when buying the industry's leading customer-loyalty service. 

In this episode, Hannah talks about what to do if sex feels like an obligation, intimacy is a chore, or you feel pressure to do it because your partner wants it more than you. Click here to get support for your relationship: https://hannah-deindorfer.mykajabi.com/90-day-intimacy-accelerator?=podcast

So be nice! Follow along as James fails to understand this episode and Bee fails to make it make any sense. They also pitch Jack Hotchner as an unsub in Evolution and explore Gina Sharpe/Grant Anderson fanfiction. It's a whole thing.Criminal Minds Season 5 Episode 10 - A Slave of Duty

More revelations from Earl Spencer and his book on Diana, billionaire Jim Ratcliffe insists he's 'lost confidence in the UK, and the minister who carries keys in her hand at night to feel safe.

Explore humble service in this contemplative Christian devotional based on Luke 17:7-10. Discover why obedience is expected, not rewarded. In Episode 257 of the 2 Minute Disciple podcast, Jesus challenges our culture of recognition by teaching that serving and obeying is simply our duty—nothing to boast about. Learn why spiritual pride masquerades as faithfulness, and what it means to obey from gratitude rather than expectation. This guided meditation and daily spiritual practice will challenge you to release the need for credit and find joy in obedience itself. Perfect for anyone ready to serve without seeking recognition and obey simply because it's expected.

The Fall retail conference season is officially underway, with NRF Paris having just wrapped and Groceryshop, Shoptalk Fall, NACS, and many others just weeks away. Omni Talk figured what better way to get ready for the upcoming season than to put together our primer of the must-see tech that has caught our attention this year. This episode features Portager's section of our Fall Conference Season “Must-See” Tech Preview, where Daniel Duty, Conlego, CEO & Founder of Portager, and Alex Kopplin, Conlego, Principal and Architect of Portager, explore how technology can streamline merchant negotiations and joint business planning. With merchandising teams managing hundreds or even thousands of vendor relationships, spreadsheets, emails and disconnected data can make negotiations unnecessarily difficult. Daniel and Alex explain how Portager creates a centralized view of retailer and supplier data, incorporates built-in data checks and can be deployed quickly without complex internal integrations, helping merchandising teams spend less time managing information and more time on vendor negotiations. Be sure to check out the rest of our podcasts this past week and the next few to catch exclusive content from some of the biggest retail conferences! We can't think of a better way to get a bird's eye view into the tech shaping the retail of tomorrow, today! P.S. To explore more conversations from the Omni Talk Ask an Expert Series, head here: https://omnitalk.blog/category/ask-an-expert/ Music by hooksounds.com Sponsored Content

Titus 1:10-16

On today's poddy, we're flat as a pancake. Follow The Big Show on Instagram Subscribe to the podcast now on iHeartRadio, YouTube, or wherever you get your podcasts!Featuring Jason Hoyte, Mike Minogue, and Keyzie, "The Big Show" drive you home weekdays from 4pm on Radio Hauraki.Providing a hilarious escape from reality for those ‘backbone’ New Zealanders with plenty of laughs and out-the-gate yarns.Download the full podcast here:iHeartRadio Apple Spotify Follow The Big Show on InstagramSee omnystudio.com/listener for privacy information.

How much should a Christian actually give? It is one of the most quietly awkward questions in Christian life, and Dr. Dennis Episcopo answers it with a framework that will keep you thinking all week. There are four levels of giving in the Bible. Most Christians never make it past level one.This sermon continues an Alliance Church teaching series on money and generosity. Dr. Episcopo opens with a story from Game 7 of the 1991 World Series, when Twins manager Tom Kelly walked out to the mound and left a tired veteran in with the words, Jack, it is just a game. Then he makes the turn. What we do at church is not a game. The stakes are eternal. Made even more real by the fact that his own mother went to be with the Lord this week at 97 years old. Everything gets real at a funeral. And that changes how a person handles everything, including their wallet.Then he anchors the message in 2 Corinthians 5:16 through 20. Christians are ambassadors of reconciliation. Nothing in the life of a Christian is superficial. Everything is strategic. How you parent, how you work, how you spend your free time, and yes, how you handle your money.Then Dr. Episcopo walks through the four levels.One. Duty giving. 2 Corinthians 9:7. This is the plate passing, guilt driven, I have to put something in reflex. It is the lowest floor. It is not what God wants, because he loves a cheerful giver, not a reluctant one.Two. Thanksgiving giving. Psalm 107 and 116. Giving because you are stunned by what God has done in your life. You saw the cross. You saw the answered prayer. You cannot help but respond.Three. Tithing. Percentage giving. Ten percent off the gross, not the net. Not a law, but a biblical pattern that levels the field between the wealthy and the working class. Leviticus 27. And notably, Jesus himself endorsed it in Luke 11 when he told the Pharisees to keep tithing without neglecting justice and the love of God.Four. Sacrificial giving. Luke 21, the widow's two coins. He says this rarely happens, but when the Holy Spirit taps a believer's shoulder and says, give it all, and they obey, the whole room feels it. This is the highest level.Then Dr. Episcopo lands the whole sermon in one sentence. There are people in the world who think, I own my money. And there are people who understand, I own nothing. I am a manager. God owns it all. Which one are you?If you have ever felt guilty, confused, or numb about giving, this teaching is one of the clearest starting points you will find.

Pastor Bryan D. Laws

She still sleeps with you… so why do you feel more alone than ever? In this video we go after one of the most damaging traps in a sexless marriage: duty sex, or "pity sex." The flat, going-through-the-motions intimacy a lot of men accept because they tell themselves "at least it's something." Here's the hard truth: that "something" may be doing more damage to your self-esteem than getting nothing at all, and I'll show you exactly why, and what to do about it.This isn't about blaming you. You're not broken. You're a man at a crossroads. Let's get you back.

On Dec. 7, 1941, Japanese forces attacked the U.S. Naval Station at Pearl Harbor. During that chaotic scene, a Black sailor named Doris “Dorie” Miller shot down a Japanese plane and saved an untold number of lives. Doris Miller's actions were particularly heroic, given the fact that the Navy's racist policies barred him from serving in a combat role. In fact, he'd only been trained to serve food. For decades, people have fought for Doris Miller to get the recognition that he deserves. The government has been slow to recognize his heroism. But, a few years ago, the acting Secretary of the Navy announced that a future aircraft carrier would be named the USS Doris Miller (CVN-81). Last month, CNN reported that the White House might rescind that decision – opting to name it the USS Donald Trump instead. Needless to say, Normie C had some thoughts about that. Remember, kids, history hoes always cite their sources! For this episode, Norm pulled from: Britzky, Haley, and Pamela Brown. “Exclusive: Navy Weighs Renaming Carrier Slated to Honor Black War Hero, Potentially Switching It to Trump.” CNN, August 20, 2026. https://www.cnn.com/2026/08/20/politics/navy-weighs-renaming-carrier-black-war-hero-to-trump.CBS Sunday Morning. Aircraft Carrier to Be Named after Pearl Harbor Hero. 2020. 07:05. https://www.youtube.com/watch?v=NPIHx_fik-0.Cutrer, Thomas W., and T. Michael Parrish. Doris Miller, Pearl Harbor, and the Birth of the Civil Rights Movement. Texas A&M University Press, 2018.Dudley, Margaret. “The Unforeseen Legacy of Doris Miller.” National Museum of the Pacific War, October 26, 2023. https://www.pacificwarmuseum.org/learn/articles/the-unforeseen-legacy-of-doris-miller.English, Molly. “Trump Says ‘Nobody Will' Build Monuments for Him Once He's Gone.” KTEN, September 4, 2026. https://www.kten.com/news/politics/trump-says-nobody-will-build-monuments-for-him-once-he-s-gone/article_c5df451c-87aa-5e20-94a4-af52c1035877.html.Forbes Breaking News. “It Caused A Lot Of Concerns”: Relative Reacts To Navy Mulling Rename USS Doris Miller To USS Trump. 2026. 04:28. https://www.youtube.com/watch?v=C6Q_z1t-lis.Naval History and Heritage Command. “The Sinking of USS Liscome Bay.” November 24, 2014. https://www.history.navy.mil/content/history/museums/nnam/education/articles/history-up-close/the-sinking-of-uss-liscome-bay.html.NBC News. “Pentagon Restores Histories of Navajo Code Talkers, Other Native Veterans after Public Outcry.” March 20, 2025. https://www.nbcnews.com/news/us-news/pentagon-restores-histories-navajo-code-talkers-native-veterans-public-rcna197215.The National Medal of Honor Museum. “The Medal.” https://mohmuseum.org/medal-recipients/learn-about-the-medal.Are you enjoying An Old Timey Podcast? Then please leave us a 5-star rating and review wherever you listen to podcasts!Are you *really* enjoying An Old Timey Podcast? Well, calm down, history ho! You can get more of us on Patreon at patreon.com/oldtimeypodcast. At the $5 level, you'll get a monthly bonus episode (with video!), access to our 90's style chat room, plus the entire back catalog of bonus episodes from Kristin's previous podcast, Let's Go To Court.

What can a small nation with a fierce warrior tradition teach the world's largest militaries about keeping wounded soldiers alive? Brig. Gen. Petter Iversen, M.D., Surgeon General of the Norwegian Armed Forces and Chair of the NATO Committee of the Chiefs of Military Medical Services, sat down with WarDocs at the Defense Strategies Institute Operational Medicine Symposium in San Antonio to answer it. An orthopedic trauma surgeon with deployments to Afghanistan, Chad, and anti-piracy operations in the Indian Ocean, Brig. Gen. Iversen brings a frontline surgeon's view of war surgery and the future of Allied military medicine. His central concern is capacity, not competence. Twenty-five years of expeditionary warfare gave NATO air supremacy, controlled evacuation routes, and constrained battlespace. Large-scale combat operations will offer none of that. Treatment and evacuation will happen close to a long, contested front line, and Brig. Gen. Iversen states plainly that the Alliance does not have enough military medical troops to sustain that fight. That capacity problem reframes what military medicine is for. Modern forces are small and highly specialized, with no bench of spare soldiers. Deployment itself costs health — people get sick, exhausted, and mentally worn. Brig. Gen. Iversen cites the fifteen percent of Ukrainian recruits trained in Europe who return to the front with mental health problems, and the two-thirds of them who can go back to duty when treatment is available nearby. Return to duty, in his framing, is not a personnel metric. It is combat power. He is equally direct about training. Norway has required a war surgery course of every general surgery trainee for more than fifty years, precisely because a specialized hospital system does not produce clinicians who are comfortable with an open belly and limited consumables. Resilience, he argues, is generalist competence — and the curriculum debate now underway in Norway is a debate every Allied medical service is having. Brig. Gen. Iversen also walks through the Norwegian aeromedical evacuation enterprise built with Scandinavian Airlines: a civil airliner reconfigured into a medical evacuation platform in roughly twenty hours, flying near-weekly missions since 2022, more than thirty-five hundred patients moved out of Ukraine, and no fatal outcomes en route. The hard part, he says, was never the aircrew. It was patient selection, cross-border communication, and knowing where a nation's wounded ended up. He closes with a message aimed squarely at American listeners: prepare mentally for something much bigger than you have imagined, on more than one front at once. Chapters (01:08-05:25) The Capacity Gap in Large-Scale Combat Operations (05:25-09:12) Return to Duty as Combat Power (09:12-13:35) Resilience, Generalist Surgery, and the Technology Trap (13:35-18:15) Flying the Wounded Out of Ukraine (18:15-22:08) The Arctic, and a Direct Message to America Chapter Summaries (01:08-05:25) The Capacity Gap in Large-Scale Combat Operations Brig. Gen. Iversen names insufficient military medical troop strength as his single greatest concern for a large-scale fight. He contrasts twenty-five years of expeditionary warfare — air supremacy, controlled evacuation routes, constrained geography — with a long contested front line where treatment and evacuation must happen forward and under threat. (05:25-09:12) Return to Duty as Combat Power Modern forces are small and specialized, with no redundancy, so every clinician who returns a soldier to the line adds combat power. He cites the fifteen percent of Ukrainian recruits trained in Europe who develop mental health problems at the front, and the two-thirds who can return with treatment delivered nearby. (09:12-13:35) Resilience, Generalist Surgery, and the Technology Trap Norway has required a war surgery course of every general surgery trainee for more than fifty years. Brig. Gen. Iversen argues that resilience is generalist competence, and that surgeons trained inside highly specialized systems are measurably less comfortable with open surgery than a decade or two ago. (13:35-18:15) Flying the Wounded Out of Ukraine A partnership with Scandinavian Airlines, built after the tsunami, converts a civil airliner into a medical evacuation platform in about twenty hours. More than thirty-five hundred patients have moved out of Ukraine on near-weekly missions since 2022 with no fatal outcomes en route. The hard part is patient selection and cross-border coordination, not the flying. (18:15-22:08) The Arctic, and a Direct Message to America Cold changes the math on combat casualty care: the protocols are known, but the resource cost and training burden rise sharply, and the same wound is more likely to be fatal. Brig. Gen. Iversen closes by telling American listeners to prepare mentally for a conflict far larger than they have imagined, potentially in Europe and the Pacific at once. Take Home Messages Capacity is the binding constraint, not clinical skill: Allied military medicine knows how to treat combat casualties. What it lacks is enough medical troops to do it along a long, contested front line without air supremacy. Treating this as a force-structure problem rather than a training problem is the first honest step. Return to duty is combat power: Specialized forces carry no bench. Every soldier treated forward and returned to the line is worth more than a replacement who does not exist. Primary care and mental health care delivered near the front are operational capabilities, not welfare services. Mental health treatment near the front works: Fifteen percent of Ukrainian recruits trained in Europe return to the front with mental health problems and must be withdrawn within weeks. Two-thirds of them go back to duty when treatment is available close by. Proximity is what makes the difference. Resilience is generalist competence: Surgeons trained inside highly specialized, well-resourced hospital systems are less comfortable with open surgery and austere conditions than they were fifteen years ago. A mandatory war surgery course for every general surgery trainee, sustained for fifty years, is one answer to that drift. Strategic evacuation is a coordination problem: A civil airliner can be reconfigured into a medical evacuation platform in about twenty hours, and aircrew integrate with military medical teams easily. The hard parts are selecting the right patients, communicating across national borders, and letting a nation keep track of its own wounded. Episode Keywords military medicine, NATO COMEDS, Norwegian Armed Forces, surgeon general, large scale combat operations, LSCO, combat casualty care, war surgery, aeromedical evacuation, medevac, Ukraine, Arctic medicine, cold weather casualty care, TCCC, return to duty, military medical readiness, trauma surgery, orthopedic trauma, allied medical support, Article 5, military health system, deployed medicine, military mental health, Defense Strategies Institute, OpMed TV, WarDocs podcast Hashtags #MilitaryMedicine, #WarDocs, #NATO, #CombatCasualtyCare, #LSCO, #Medevac, #ArcticReadiness, #WarSurgery More from the Operational Medicine Symposium This episode is part of the WarDocs and OpMed TV interview series recorded at the Defense Strategies Institute Operational Medicine Symposium in San Antonio, March 2026. Watch the full set of DSI OP MED videos here: https://hubs.li/Q04jRhjP0   Honoring the Legacy and Preserving the History of Military Medicine The WarDocs Mission- WarDocs exists to honor the legacy of Military Medicine, preserve its history, and inspire every generation — across all Services, Corps, and Ranks — to serve with excellence and pride. Through mentorship, coaching, and education, we equip those considering, entering, and serving in military medicine with the knowledge, connections, and community they need to thrive. We celebrate Who we are, What we do, and, most importantly, How we serve Our Patients, the DoW, and Our Nation. Find out more and join Team WarDocs at https://www.wardocspodcast.com/ Check our list of previous guest episodes at https://www.wardocspodcast.com/our-guests Subscribe and Like our Videos on our YouTube Channel: https://www.youtube.com/@wardocspodcast Listen to the “What We Are For” Episode 47. https://bit.ly/3r87Afm   WarDocs- The Military Medicine Podcast is a Non-Profit, Tax-exempt-501(c)(3) Veteran Run Organization run by volunteers. All donations are tax-deductible and go to honoring and preserving the history, experiences, successes, and lessons learned in Military Medicine. A tax receipt will be sent to you. WARDOCS documents the experiences, contributions, and innovations of all military medicine Services, ranks, and Corps who are affectionately called “Docs” as a sign of respect, trust, and confidence on and off the battlefield, demonstrating dedication to the medical care of fellow comrades in arms. Follow Us on Social Media Twitter: @wardocspodcast Facebook: WarDocs Podcast Instagram: @wardocspodcast LinkedIn: WarDocs-The Military Medicine Podcast YouTube Channel: https://www.youtube.com/@wardocspodcast

AIUC first got our attention with the NFDG backing, and have just announced a $40M series A today, with the most impressive industry advisor list we may have ever seen for an early startup behind AIUC-1, their agent standard backed by real insurance:From being Anthropic's first product hire to building the standards, testing, and insurance infrastructure meant to make frontier AI deployable, Rune Kvist is betting that the biggest constraint on AI adoption won't be capability it will be trust. In this episode, the AIUC cofounder joins swyx and Vibhu to announce a new $40M round and explain why companies like Cursor, Harvey, Lovable, and ElevenLabs are increasingly confronting a problem that gets harder as AI gets better: who is responsible when autonomous systems fail?We go deep on AIUC-1, the emerging standard for agent security, safety, and reliability; how AI agents are stress-tested for jailbreaks, hallucinations, and data leaks; and why Rune thinks standards and insurance could become critical infrastructure for AI. We also discuss the growing trust gap between governments and frontier labs, AI-enabled cyber and biological risks, why every model can ultimately be jailbroken, what happens when a $20 coding agent causes $200M of damage, whether AI engineers should be certified, and why even after AGI there may be one job the labs can never do themselves: be their own watchdog.We discuss:* Why risk, liability, and trust may become the binding constraint on AI adoption* Rune's path from reading the Scaling Laws paper to joining Anthropic in its earliest days* What Anthropic understood about scaling, compute, and the future years before it became obvious* Why Waymo illustrates the gap between AI capability and real-world deployment* AIUC's $40M round and work with Cursor, Harvey, Lovable, ElevenLabs, and other frontier AI companies* AIUC-1: a standard for AI agent security, safety, and reliability* How agents are tested for jailbreaks, hallucinations, and data leakage* Why most AI companies optimize the happy path without seriously stress-testing adversarial cases* Why AI standards may need to update every quarter instead of every decade* The emerging trust gap between frontier AI labs and governments* Cybersecurity, child safety, biological weapons, and the expanding frontier-model risk surface* Why standards and insurance may need to evolve together* How Lloyd's of London can insure AI systems and bring trust to enterprise deployment* What happens if a $20 Cursor subscription contributes to a $200M plane crash* The Air Canada chatbot case and how AI failures are beginning to clarify legal liability* Why copyright may be one of the hardest AI risks to insure* Evals, mechanistic interpretability, monitoring, and models becoming aware they're being tested* The impossible CISO mandate: adopt AI fast, but don't let anything go wrong* Why robotics will make AI liability dramatically more consequential* Whether AI engineers should have Level 1, 2, and 3 certifications* AIUC's roadmap across agents, frontier models, robotics, and universal red teaming* Why AGI could become a question of national sovereignty* Why the labs can never fully serve as their own watchdogs* The Big Short problem: how do you stop competing watchdogs from racing standards to the bottom?Rune Kvist* LinkedIn: https://www.linkedin.com/in/runekvist/* X: https://x.com/RuneKvistAIUC* https://aiuc.comTimestamps00:00:00 AIUC's $40M Round and the Risk Bottleneck for AI00:01:07 From Scaling Laws to Early Anthropic00:07:58 Why Trust, Not Capability, Could Limit AI Adoption00:12:19 Founding AIUC and Building AIUC-100:18:52 How AI Agents Are Audited and Stress-Tested00:25:26 Frontier Models, Government, and the AI Trust Gap00:33:32 Cyber, Child Safety, and AI-Enabled Biological Risk00:38:14 Why Standards and Insurance Belong Together00:41:45 What Does an AI Insurance Policy Actually Cover?00:50:44 The $20 Cursor Subscription and the $200M Plane Crash00:53:53 AI Liability, Monitoring, and Earning Enterprise Trust00:56:21 From AI Agents to Models to Robotics00:58:29 Copyright, Adverse Selection, and AI Insurance01:03:28 Evals, Mechanistic Interpretability, and Eval Awareness01:08:36 The Impossible Enterprise AI Mandate01:11:52 Prediction Markets vs. AI Audits01:14:43 Should AI Engineers Be Certified?01:19:10 AIUC's Roadmap, AGI, and Who Watches the Watchdogs?TranscriptIntroduction: AIUC, the $40M Series A, and Risk as the Adoption BottleneckSwyx [00:00:00]: Okay, we're in the studio with Rune from AIUC, the Artificial Intelligence Underwriting Company, with our trusty co-host, Vibhu. Welcome.Rune Kvist [00:00:10]: Thank you. Thanks for having me. Thank you.Swyx [00:00:11]: What are you announcing today?Rune Kvist [00:00:12]: We have raised $40 million, led by Ribbit Capital and First Harmonic.Swyx [00:00:17]: You first came to my attention when Nat and Daniel invested in you guys. Is the story, like, pretty much the same? Like, what are you today versus what you thought you were back then?Rune Kvist [00:00:26]: When we raised our seed round, we had a hypothesis that at some point risk was going to hold down adoption. At that point in time, that felt kind of hypothetical, and I think that is now over. Clearly, the moment is now with Mythos and Fable. It's pretty obvious that literally the binding constraint on adoption is risk. And so for us, it feels like this is a natural continuation of the same hypothesis, but where previously it was speculation, now it feels like fact.Swyx [00:00:54]: And let's get a list of the customers that you're highlighting as part of your Series A.Rune Kvist [00:00:58]: Totally. Yeah. So we are now working with folks like Cursor, Harvey, Lovable, ElevenLabs.Swyx [00:01:05]: Yeah. Amazing. Congrats.Rune Kvist [00:01:06]: Thank you.Swyx [00:01:07]: So you were famously one of the first hires involved in GTM and product. I'm just kind of curious: what was your path into AI? Just recap.Rune's Path Into AI: Scaling Laws, Capital, and AnthropicRune Kvist [00:01:18]: Yeah.Rune Kvist [00:01:19]: Late 2021, I sold a company, my first company, an edtech company. I had a bit of time to think about what was next. I came across the Scaling Laws paper, and that just struck me like lightning. I was just like, “This is a big idea.” In short, the Scaling Laws paper just says the bigger the model, the smarter the model.Swyx [00:01:38]: So this is the Kaplan one, not the Chinchilla one?Rune Kvist [00:01:40]: Exactly, the Kaplan one.Swyx [00:01:42]: Yeah.Rune Kvist [00:01:42]: And the important thing that clicked for me there was, oh, now capital will understand this. If you put in more money, you get more money out, and so that will kick off a hype cycle. And so you get a sense of predictable returns, which is, in fact, what's played out. And so I just packed my bags. I'd never been to San Francisco. I'd never been there. I just packed my bags, flew out here to find the people who had written it. And at the time, they had just started a small lab called Anthropic. There were around 40 people at the time or so. Drank a bunch of coffee until I eventually got introduced to Dario. And at the time, they were wrestling with some of these questions of, like, should we deploy our models? Should we make revenue? How should we engage with the rest of the world? They'd just broken off from OpenAI, and it's been publicly reported that they were kind of concerned with how they were dealing with deployment. So they were wrestling with some of those questions. At this point, this is early fog of war, like early 2022. The hottest product at the time was, like, Jasper. Like, there's nothing out there. So where value was going to accrue, and what the different parts of the stack were going to be, were all open questions.Swyx [00:02:48]: I want to highlight to people, you ask these questions because you have a PPE background.Rune Kvist [00:02:52]: Yes.Swyx [00:02:52]: I actually was in Singapore in one of the sort of feeder programs for prepping people for PPE. So I had a tutor. We learned, you know, philosophy and politics and economics. But, like, I think your kind of background matters. Machine learning people who read the neural, Scaling Laws paper would not necessarily draw the same conclusions that you did. Whereas any capitalist would read that and go, “Holy s**t.”Rune Kvist [00:03:19]: Correct.Swyx [00:03:20]: Right?Rune Kvist [00:03:21]: Yes.Swyx [00:03:21]: Who tipped you onto that paper? Because it's not a paper that you normally read, right, like, in your circles?Rune Kvist [00:03:26]: Yeah. I think I'd actually, ever since AlphaGo, had some appreciation that AI was a big deal.Swyx [00:03:36]: Yeah.Rune Kvist [00:03:36]: But it kind of felt like it raised all these kind of interesting philosophical questions, but it was kind of not clear from afar where exactly that would go. But it was obvious enough that it was like, this is going to be a big thing if we find the kind of right mechanism to kind of get the techno-capital machine to work on this. But it was just not clear. And so I think there was some way in which, like, that became obvious, and also it wasn't as obvious at the time than it is now, right? Like, it was just like, wow, this is so interesting. But it still felt, coming from kind of a philosophy and economics background, it felt like if this turns out to be true, you're going to be wrestling with all of the big questions in society. Everything you've learned about politics gets thrown out of the window. Everything you've learned about economics at least gets challenged. And so what felt interesting was to be at that frontier that has ramifications across everything. So that's why I sought it out.Swyx [00:04:32]: I mean, clearly really good insight. For people who don't know, the PPE program is, like, where prime ministers are born. So then you end up meeting Dario.Rune Kvist [00:04:41]: Yep. First Dario, yeah.Swyx [00:04:43]: Yeah. Well, I mean, like, so did you get extra insights from talking with them that you didn't get from your original hypothesis?Anthropic's Early Conviction and the Scaling Laws Crystal BallRune Kvist [00:04:50]: If you read the Scaling Laws paper, you get this, like, very vague sketch of like, wow, this seems kind of important. There are some lines on a chart. This seems kind of important. And what I think the team at Anthropic had thought more about than anyone was like, what are the implications of this if you really play this out? And back then they had, kind of vision documents for what the world would look like in 2026, and they were kind of in vivid detail playing out how much compute is going to be needed, what the CapEx was going to look like, what some of the societal concerns were going to be, but also what is the amount of economic value coming out here? And so it kind of felt like they held a crystal ball that in hindsight turned out to just be dramatically correct. And they weren't holding it like they were obviously correct. They were just like, “Take this hypothesis really seriously.”Swyx [00:05:38]: Think it through, yeah.Rune Kvist [00:05:38]: And think it through in the same way as the kind of situational awareness that isSwyx [00:05:43]: Across the street.Rune Kvist [00:05:44]: Across the street.Swyx [00:05:44]: Your office, yeah. Oh my God, we're all living across the street in the same one square mile.Rune Kvist [00:05:50]: Correct. And that's now a couple of years old, but also people keep referencing it these particular weeks with Fable and Mythos, and it's like, wow, if you take this one idea seriously- For the Scaling Laws, a lot of things fall into place.Vibhu [00:06:03]: And keep in mind, at this point, this is the same team that did GPT-1, GPT-2, and GPT-3.Rune Kvist [00:06:08]: Correct.Vibhu [00:06:08]: Which is also, like, it's not just some experimentation. Like, this is a real model that we just scaled up.Rune Kvist [00:06:14]: And they had deep conviction in this idea: if you take a big blob of compute and data, it just wants to learn, and out of that will come smarter and smarter models. And all the particulars were not clear.Vibhu [00:06:26]: Yeah.Rune Kvist [00:06:27]: And all the implications were not clear. But their deep conviction in this, like, core thesis, and that was kind of dizzying. It was both phenomenally interesting and exciting, and also very quickly you get to, like, the world we know today will no longer be if this hypothesis holds. So it also just felt, like, important in some kind of grand sense.Vibhu [00:06:48]: What kind of shaped you there? So that was early 2022. Not only had GPT-1, GPT-2, and GPT-3 come out, but, you know, the amazing founders of Anthropic that have never split up, the only ones, they actually had the conviction to leave OpenAI, start their lab. You said there were about 40 people there. What was the time like there?Inside Early Anthropic: Mission, Deployment, and RiskRune Kvist [00:07:06]: It was kind of remarkably like what it looks like on the outside today. Extremely cohesive, extremely mission-oriented, and living in this tension between their two ideas, which is AI could both go really well and really bad, and we want to be part of building it. That creates astounding amounts of tension. And they were wrestling with this incentive challenge where they know they're in a race that they're in where you might get forced to cut corners, but it also felt very important to them to be at the forefront of technology. And all of those ideas were just present at that time. It kind of feels like that line has been just very clear, and I think kind of love them or hate them, they have really stuck to their guns. There's a core set of beliefs that they hold more deeply than most companies hold any beliefs.Vibhu [00:07:58]: Yeah. Fast-forward to today.Rune Kvist [00:08:00]: Yeah.Vibhu [00:08:00]: What does that lead us to AI underwriting company? What are you up to? What motivated you to start this?From Waymo to AIUC: Confidence Infrastructure for AIRune Kvist [00:08:05]: Yeah. AIUC builds confidence infrastructure for frontier AI through standards and insurance. The link from Anthropic to building confidence infrastructure, looking out the windows at Anthropic offices and seeing Waymos driving by. Already back then, early 2022, Waymos were in some ways like AGI for cars. Like, they were superhuman drivers, but you couldn't take one to the airport. And now, four and a bit years later, you still can't take your Waymo to the airport, despite now everyone having kind of looked at the evidence and being like, “They're better drivers than humans.” So in that particular instance, what's clear is that the binding constraint on AI being useful is not capability, but is that liability or risk or trust. That problem is, general. The reason why right nowRune Kvist [00:08:52]: Fable is not open for access is not because it's not a good model, it's because it's a very good model. It's just hard to make promises about what it will or will not do. And this problem gets worse as AI gets better. Basically, more intelligent AI can be more autonomous. That's more valuable, but also the risk surface grows. And so - what Waymo illustrates is that unless you build the confidence infrastructure to make promises about AI, or at least bring light to the risks, you grind adoption to a halt. Governments, banks, hospitals, militaries need to have some sense of what AI will and will not do to be able to operate for them to incorporate it. And that's the problem that we're trying to solve. Now, why standards and insurance? If you trace this problem back through history, every technology wave has had some version of this problem. So if you go back to, like, year 1900, electricity comesVibhu [00:09:47]: Ben Franklin.Rune Kvist [00:09:48]: Cars burn down, sorry, houses burn down, lots of people die. 1930s, cars are a big deal, kill lots of people. 1950s, private nuclear energy is a big deal, poses big risks. In each of those instances, the market runs ahead of regulation to create confidence infrastructure because that's required to make go/go decisions. That is required for adoption, and the market fundamentally wants adoption. And in all of those instances, common blueprint emerges between standards and insurance. The reason these two components is standards kind of provide the rules of the road, and they also specify, like, what are the tests that need to be run so we can get a sense of how high the risk is. So take in the case of cars, that's like a car crash. Great, everyone, they inform your insurance pricing today, they inform your purchasing decisions, et cetera. That's basically the risk framework. The insurers are important because they pick up the bill. So they are the private institution that is most on the side of. That is best incentivized to quantify the risks truthfully and then figure out all the ways to reduce the risk ‘cause that increases their profit. So they're basically, they help shape the incentives. And these two work really well in unison. Now, how does that show up as a company? Well, one of the things that was obvious even - or starting to become obvious even a couple years ago was that frontier companies, some of our customers today, like Cursor, Sierra, ElevenLabs, Harvey, were going to have a very easy time selling a pilot to a bank. The, like, the demo just sells itself. It's magic. But bringing that through, if you want to do a wall-to-wall rollout at a bank or a hospital, you have to go through the risk process. These banks have no idea even which questions to ask, let alone which answers are sufficient, let alone, like, how do they go and test whether these agents actually work the way they're supposed to. And so they had this problem of, like, what can we say to earn the trust? And we think there's, like, a golden sentence that goes something like, “Hey, I hear you're really worried about hallucinations or jailbreaks or whatever it may be. We've had an independent third party test us against the gold standard. We passed with flying colors. And as a vote of confidence, the world's most conservative insurers have looked at the data.” And they're willing to take some of the risk onto their balance sheet.Swyx [00:12:06]: Yeah.Rune Kvist [00:12:07]: So if something does go wrongSwyx [00:12:07]: There's money behind it, yeah.Rune Kvist [00:12:09]: Exactly. So that's kind of like the link between all this. We can get into some of the hard parts related to the technical testing, which is, I think, the crux of the matter, but I'll pause there.Swyx [00:12:19]: How did you and Rajiv come together? This-- there's always, like, you come across very confident and, you know, and we're announcing your Series A and all these things, but I want to see, like, the early initial stages of, like, idea formation.Cofounding AIUC with Rajiv DattaniRune Kvist [00:12:31]: Yeah. Rajiv is actually my soon-to-be brother-in-law.Swyx [00:12:35]: Oh.Rune Kvist [00:12:36]: So I'm actually, in a week and a half getting married to Rajiv's sister.Swyx [00:12:42]: Okay, now you're tight.Rune Kvist [00:12:44]: Exactly.Swyx [00:12:44]: Now you know.Rune Kvist [00:12:45]: So - Rajiv and I have known each other for a decade. Funny story, I met both Rajiv and his sister, Hena, at the same time when Hena and I were interns at McKinsey in London, and Rajiv was assigned as my mentor. And so met them at the same time. For the longest time, it was not obvious that we were necessarily going to work together. I was in startups. He was, an insurance partner at McKinsey. Three or four years ago, I think Hena convinced him that AI was going to be a really big thing. And so he quit his job, cushy partner job at McKinsey in London, packed his bags, flew to San Francisco, and ended up joining METR. You guys are probably online enoughSwyx [00:13:24]: CEO.Rune Kvist [00:13:24]: Exactly.Swyx [00:13:24]: We've, we've, we've heard of METR.Rune Kvist [00:13:25]: You see the plot-- the chart of the horizons of the tasks that agents can take on is doubling extremely fast. So he was COO at METR, led their partnerships with Anthropic and OpenAI to test their models before release, but also working closely with the US and UK government, to figure out, like, how do you know whether a model can be released? And in some ways, that was, like, the perfect background. He's spent a lot of time in insurance, knows that world, spent a lot of time with frontier testing of models. And so when I was bumbling around this idea space, starting with some of the ideas we talked about related to Waymo, as soon as we got into the content, we were both like, “Oh, this would be an amazing business to build together.” This is wrestling with the problem that we both think is the most important in the world from a market angle, which is kind of our intuitions is that the market can do a lot, and the faster AI moves, the harder it is for government to solve some of these problems. And then it took a little bit of time to work through what is it like to work with family.Swyx [00:14:27]: Sure.Rune Kvist [00:14:27]: And,Swyx [00:14:30]: Because you were already dating at the timeRune Kvist [00:14:31]: Yeah. Yeah, exactly.Swyx [00:14:33]: Yeah.Rune Kvist [00:14:34]: Already back then, itSwyx [00:14:35]: Yeah.Rune Kvist [00:14:35]: We felt like we were a family.Swyx [00:14:36]: Nice.Rune Kvist [00:14:36]: And so starting a business together felt like kind of a big step. And, here we are with just immense amounts of trust.Vibhu [00:14:43]: Yeah. So now you're a company of how big? How big are you guys now?AIUC-1 Certification: Agent Security, Safety, and ReliabilityRune Kvist [00:14:46]: There are just 20 of us now.Vibhu [00:14:47]: 20 of you guys now, have Series A, and you have your first certification out, the AIUC-1. Let's bring up the certification. So this is the agent certification, right? What goes into the process? I have, like, two questions here. One is, walk us through the certification, and two is, what is the process for a company to get certified, you know?Rune Kvist [00:15:08]: Great. As it says right on the top, AIUC-1 is a standard for agent security, safety, and reliability. The fundamental design principle is take all of the concerns that slow down adoption, so all the questions, all the fears that keep, security leaders in the Fortune 1000 up at night, and put them into one comprehensive framework. That's what you'll see there. You can see the six categories. Two, you want to ground all of this in technical testing. So one of the concerns with security standards that often feel kind of like theater paperwork is that they're not actually ground out in, does any of this work? Does any of this matter? And so we had a conviction from early on that was going to be the kind of crux, was to pass this, you must get tested every quarter, basically run thousands of simulations to see, well, so can it actually be jailbroken? How hard is it to jailbreak? How often does it hallucinate? How often does it leak data? Et cetera. And then the last, core idea here, if you scroll up to the top here, is to refresh it quarterly.Rune Kvist [00:16:08]: So the core trait of AI is that it moves extremely fast. Whatever concerns we're discussing today were not the same ones three months ago, and this will keep changing. Typically, standards update on a, like, a decade cycle is obviously not going to work. But the question is kind of how do you update it? And the core thing here was to basically get the risk leaders of the Fortune 1000 around the table. So if you go over to the left hereVibhu [00:16:32]: YeahRune Kvist [00:16:32]: You'll see the AIUC-1 consortium. The consortium is a group of risk leaders who run real banks, real hospitals, real critical infrastructure, who are facing these challenges every day. And we meet with these folks twice a quarter and hear what's top of mind, what is keeping them up at night. There's tremendous amount of desire for that conversation. And then we operationalize that into a specific standard that gets into. And actually, we can go into and look at whatVibhu [00:16:55]: YeahRune Kvist [00:16:55]: What even is the standard. So if we go back to introduction, out there to the left, scroll up a little bit to the wheel, click into reliability. So if you take something like hallucinations sits in reliability. There is a number of requirements here. If you go into the top one, prevent hallucinated outputs, hallucinate outputs, this is one particular requirement. This is a technical control. Basically, we want some kind of ground in this filter. The first thing you see here is what's called a crosswalk. So everyone and their grandmother has put out a framework, very high-level framework for what are the AI risks.Swyx [00:17:27]: This is basically your competition,Rune Kvist [00:17:28]: In some ways our competitionSwyx [00:17:29]: Not seriously, yeah.Rune Kvist [00:17:30]: We're, in fact, friends with them. We'll come back to why.Swyx [00:17:31]: Yeah.Rune Kvist [00:17:32]: But mapping everything together so you have one superset. The claim you're trying to support here is, if you follow this framework, then you can also see how you follow the other frameworks. But the meat of it comes down here in control activities and evidence. So control activities is like, great, you have this high-level requirement. How do you turn that down to something operational? Here's what you must do, and then what is the evidence that we're looking for?Rune Kvist [00:17:57]: And the reason we go this deep is that there's actually not that much confusion about what are the big concerns in AI. Everyone agrees to these. The question, like, what are you actually supposed to do? And so. What we found a lot of demand for is getting down to the specific evidence, that people need to look for. Whether you are Cursor building something or, even JPMorgan building something, but also if you're just a risk leader at JPMorgan, like what exactly should you ask for? What can you ask for without sounding stupid? Like if you ask for some-- you won't believe the amount of time a risk leader has asked for the IP rights to the underlying model to Cursor or something, and you're just like “Sorry, what?” Like,Swyx [00:18:39]: You slip it in there and you seeRune Kvist [00:18:40]: SlipSwyx [00:18:40]: See if you notice.Rune Kvist [00:18:41]: See if they. Exactly.Swyx [00:18:42]: Yeah.Rune Kvist [00:18:42]: Put that in the questionnaire. All right, so that's kind of what our standard is, and we update this every quarter with these folks, to keep up with the latest concerns.Swyx [00:18:51]: Can I double-click on this one?Controls, Evidence, and Third-Party TestingRune Kvist [00:18:52]: Yeah.Swyx [00:18:52]: So first of all, the website's beautiful. Like, it's so confidence-inducing which is the whole point where, like, okay, I know exactly what I'm signing up for when I talk with you. Like, I don't even have to talk to you. I can just see your whole, certification, which is great. But, like, okay, so from here, like D001.1 configure a groundedness filter, how does that get applied? Like, you have a person thatRune Kvist [00:19:16]: Yeah,Swyx [00:19:16]: Goes through it?Rune Kvist [00:19:17]: If you, go backVibhu [00:19:19]: I did see somewhere there's like, you know, fifty-one requirements, a hundred thirty controls. There's like a wholeSwyx [00:19:25]: Right. I just want to. Like, to me, this doesn't translateVibhu [00:19:27]: Yeah.Swyx [00:19:27]: Into a test or an eval.Rune Kvist [00:19:28]: Yes. So if you go into, on the left-hand side. So actually, if - before we go in there are three types of requirements. The first is technical controls, like you must implement some guardrails.Rune Kvist [00:19:42]: Two, there are test controls. So you must have an independent third party go and run some tests against you. I'll show you one of those in a second. And then three, there are policy controls. For example, you must have a person whose name is on the line when you guys f**k up, and you must have a plan for how you tell your customers and how you engage with them. They're kind of more traditional, standard type stuff. So in this particular instance, we just check whether they in fact have a ground in filter. So we will partner with an auditor. So we partner with auditors like KPMG or like Schellman who go in and do the thing auditors do, which is to check the evidence. In this case, that might be a screenshot, it might be part of the code that they need to review to see that it actually. Just that it exists.Swyx [00:20:21]: Oh, okay.Rune Kvist [00:20:22]: And then the second thingSwyx [00:20:22]: So you're not testing the effectiveness of it.Rune Kvist [00:20:24]: That's the second thing. So if you go downSwyx [00:20:25]: Yeah.Rune Kvist [00:20:25]: To the third-party testing for hallucinations out on the left, that's basically the next requirement. This is where we test how well does it actually work.Swyx [00:20:32]: Okay, and is it you testing or the auditor?Rune Kvist [00:20:34]: We test them.Rune Kvist [00:20:35]: We test them.Swyx [00:20:36]: That's a lot of work.Vibhu [00:20:37]: How long does testing take? So if I want to get certified, justCertification Timelines, Remediation, and Quarterly UpdatesRune Kvist [00:20:40]: Yeah.Vibhu [00:20:40]: How long does the end roughly take?Rune Kvist [00:20:42]: Yeah, the end, almost always is dependent on, like, our customers needVibhu [00:20:47]: Yeah.Rune Kvist [00:20:47]: To look something for us. It takes somewhere between, like, 3 to 10 weeksSwyx [00:20:52]: Yeah.Rune Kvist [00:20:52]: Depending on how up to snuff they already are. So some people show up to us with, like, extremely rigorous security programs. When we test them, it works extremely well. We can get that done very quick. Some people come to us, and they're not that far along. We give them kind of the spec that they need to build towards, and then their security teams and engineers get to work and build to meet the standard. The testing itself typically takes a couple of weeks, including the time for them to remediate. Often, we'll find something that we cannot pass, where this is actually just not up to the standard. - you won't pass the standard. And then they will need to go and implement additional safeguards or additional remediation that makes them more robust so that they can actually kind of hand on heart look at their customers in the eyes and say, like, “Hey, we've done truly our very best.”Vibhu [00:21:35]: And they're certified for a year and have quarterly updates?Rune Kvist [00:21:38]: Correct, yeah.Vibhu [00:21:39]: And, yeah, it's pretty interesting. I think, you know, what's changed since. So this is certifying agents in production, right? Your customers, like you've had Lovable, ElevenLabs, Intercom, and they've all gone through this certification.Rune Kvist [00:21:50]: Yes.Vibhu [00:21:51]: What has changed? So I see you post, like, you know, Q2 added MCP agent,How Agent Risks Are Changing: Coding, MCP, and Agent-to-Agent InteractionsRune Kvist [00:21:56]: Yeah.Vibhu [00:21:56]: agent communication. Any other things that you want to kind of highlight since the first iteration? What comes in quarterly?Rune Kvist [00:22:03]: Yeah. So some of the changes have just been agents are not just one thing. So, like, if you take agents like Cursor and compare them to Sierra, they're really quite different. And compare them to Harvey again, compare them to you out of againSwyx [00:22:16]: ElevenLabs, yeah.Rune Kvist [00:22:17]: ElevenLabs, they're all quite different. And so we wanted to design a standard that works for all of the types of agents. And we started with one that was, like, pretty text-based, like, honestly, pretty customer support-focused. That's where there's a lot of existing demand. And then over time, we've picked, some of the frontier companies in each of these other domains that we could work with and build out the standard, so, such that we know that the same standard works for code, it works for customer support, works for automation, et cetera. So that's been one big thing. Yeah, then some of the things that have been top of mind recently, Mythos is bringing up a lot of concerns for security leaders. We're starting to get more and more questions around agent interactions. It's very nascent, at the moment, but it's starting to emerge. There've been a lot of, questions related to OpenClaw and MCP. Again, like agents starting to interact with each other, is really top of mind. Then as coding agents have really taken off, that's also where banks and hospitals, et cetera, are getting more and more precise on what it is they need. So really dialing in as that start to be, like, where most of the tokens flow through in the world, getting much sharper on that.Vibhu [00:23:26]: Can you share for people that are listening that don't really think about this? Like you mentioned, there's the obvious stuff, you know, hallucination, citations. What are best practices that people should do when building agents? Like, if they come to you pretty ready with certification like, you know, they'll probably pass certification. What are the things people don't think about that they should have?Best Practices for Agent Builders: Stress Tests and GuardrailsRune Kvist [00:23:46]: The most important thing is that a lot of companies have not done a serious stress test. They spend most of the time, perhaps rightly so, optimizing for how does it work in the good case, the average case, how high-quality is the output for the customer. And a lot of these companies are pretty new, so they haven't spent a lot of time stress testing the what is there as an adversary on the other side? What are some of the complicated corner cases that you've not really considered? So I think that's, like, a frame of mind. And you'll also see this in startups. It often takes a while until they hire their first security person. They- And that's a whole different kind of risk surface than just building a good product. So a lot of that applies. Most companies actually also have the right kind of architecture. Most of them will have some kind of guardrails in place, either some that come out of the box from their model provider or they'll have built their own filters that sit in between. They just don't work very well. The difference between putting a classifier in place that, like, maybe goes and checks whether you're giving medical advice when you shouldn't and says, “Hey, if this looks like medical advice, filter it out.” Lots of companies have that in place. The question is whether it works. And it's actually pretty fiddly to sit down and think about all the ways in which you could ask for medical advice, read the academic literature on what are the kinds ofRune Kvist [00:25:03]: Framings or tricks you might play to get an AI to give you medical advice when you really shouldn't. And so there's, like, an area of expertise that's just missing. So what we find is that most people have the right building blocks in place. They don'- It doesn'- It's not rocket science, but the finicky thing is, like, getting into the corners and testing whether it works such that you can look your customers in the eye, or maybe a bank or maybe a hospital and be like, “This is going to work for you.”Vibhu [00:25:26]: I see. So we talked a lot about the agent-level certification. Where do you guys go from here? So announcing series A camera, we talked about this a bit. There's the whole security risk of Fable, government stepping in. You guys are kind of announcing that you're also going into model certification?Toward Model Certification: The Government–Lab Trust GapRune Kvist [00:25:46]: When we do a bit of cutting afterwards,Vibhu [00:25:48]: YeahRune Kvist [00:25:48]: We will not yet be announcing this,Vibhu [00:25:49]: NiceRune Kvist [00:25:50]: The question that is top of everyone's minds now is at the model level. And Mythos, then Fable, has really brought this to the fore that in addition to the commercial risk and the kind of economic security risks that are happening at the agent layer, the models are going to present risk in the national security category. The shape of the problem is very similar. You have some people that are on the hook if something goes wrong. In the case of agents, it's often security leaders in the enterprise. In this case, it's the government. They don'- haven't necessarily spent their entire lives thinking about what are the new risks that come here, what is the kind of data you might be looking for, how might you test that? But they do have to make sure that their concerns are addressed. You have some frontier AI companies that are deeply technical. They know a lot about the risks, but they fundamentally have an incentive to not always be truthful. So you have a trust gap between the government and the labs. And in every other industry, you end up with some kind of body sitting between, a neutral third party sitting between those people. There's no other industry where you allow people to audit themselves. So there is going to be a need for a third party that can take the rigor of the labs to run frontier technical evals, but can also speak legible trust in the way that the government trusts PwC to go and run financial audits. And they know that they output audit reports in a way that's consistent, that's easy to read, that's factual, that's, trustworthy. Those two things need to be brought together. And what we've learned from our work with agents is that if you want those-- that communication between those two parties to be smooth, there has to be one common standard that is public, that people can go and inspect. What are the risks that matter? Within each of these risks, what are the kinds of threat models that you're really looking for? You need to specify for each of those risks, what are the guardrails that need to be in place, and what are the tests they need to run to see whether those guardrails are effective? And then you need to go and run audits that are - technical audits that are consistent. So if you're trying to bring trust, it's extremely important that you methodically work your way through the risks. You can't send one researcher in and say, like, “Come back with whatever you find.” You need to be able to explain exactly what you did, exactly what you tried, exactly what you did not try, and therefore the kinds of promises you can and cannot make at the end of it. I think ofNeutral Third Parties, CAISI, and Model Risk AuditsRune Kvist [00:28:13]: Fable as a direct symptom of this problem that the government was told that there's a risk. The government may struggle to assess just how big that risk is. They call Anthropic, and Anthropic is trying to tell them, “Hey, actually, every model can be jailbroken.”Swyx [00:28:28]: That's not what you want to hear, right?Rune Kvist [00:28:32]: As the government, that might be hard to trust.Rune Kvist [00:28:36]: And we think that a broker is the most natural solution. In other markets, you see something like, in financial markets, you see Moody's. Moody's goes in, and they look at a bond, and they output a rating. They say like, “Here's the evidence we found. Here's the rating.” We don't decide whether anyone should buy this bond or not buy this bond. Well, that depends on their risk appetite. But we do provide this common information layer that everyone can rely on. In the case of Moody's, the government, points to them and say, “Hey, pension funds, you should probably really take care. You shouldn't risk your pensioners' money, so you can only invest in triple-A rated bonds.” That means that now the government doesn't have to staff thousands of financial technical experts to rerun forecasts every week to see whether things are correctly rated. They get to point to some neutral third party. So my hypothesis is, my hunch is that you will see a third party that sits between the government and the labs, and it could either be the government builds it themselves. So something like CAISI was set up to do exactly this. And the questionSwyx [00:29:44]: Sorry, I'm not familiar with CAISI.Rune Kvist [00:29:45]: CAISI is the Center for AI Standards and Innovation.Swyx [00:29:49]: Okay.Rune Kvist [00:29:50]: I won't get into the details, but it's a body of NIST that typically sets standards. So it's basically a government body that has AI experts. Yeah, exactly. Exactly.Swyx [00:29:59]: Very key. Very key.Rune Kvist [00:30:00]: Very key.Vibhu [00:30:00]: I think, you know, it's one of those things where when you just sit back and listen-- look at it, like, is there enough technical expertise in the government to measure, test these things right now? Probably not, right? And Fable is a result of, okay, we've had to scale back and pause things,Rune Kvist [00:30:17]: Yeah. And they have excellent people, but they have an extraordinarily small budget compared to the scale of the challenge that's ahead of us. And I think they have a role to play. The question is kind of like, who does what? We have now outlined the jobs to be done, and they're quite extensive. Every model release, there is an astounding-- Given that they take in any input, their risk surface is astounding. And so the question is really: what can only the government do, and what can the market provide here that can keep up with the pace as AI risk changes? Our perspective is that also at the model layer, the risks that people care about today are not the same ones they cared about three months ago. So the pace of legislation is too slow to deal with pinpointing the risks here. And so we think there's a lot that the market can do to surface timely information. Ultimately, there is a bunch of policy decisions here. Is the national security risks of a model too high?Swyx [00:31:12]: Yeah.Rune Kvist [00:31:12]: That's a political answer. But what we want to make sure is that the process that produces this risk information is compatible with very fast innovation. So you don't want to. This is not a question of like, can you slow the things down? Can you keep, the models locked up until-- for months on end until everyone can make a guarantee? But it is this, can you, in the time it. Given that the US is competing with China on releasing models, can you insert risk information that allows the government to, like, make rapid decisions on some of these questions? Balancing that trade-off between failing to adopt AI is going to put us at risk, but also reckless adoption is going to put us at risk. And that's a very kind of fine balance that they're going to need, like, a lot of high-quality intelligence to make.Chinese Models, Data Flows, and National Security ConcernsSwyx [00:31:55]: Just a side mention, because you mentioned Chinese models, any specific concerns that you're hearing from your CISOs about that? ‘cause I guess it's free, but.Rune Kvist [00:32:05]: CISOs have a bunch of concerns around data flows in general that they're really concerned about. So there's a lot of questions like, if these models are Chinese, where does that, where does that data go? I think a lot of this can be addressed, but they come up often.Swyx [00:32:18]: I mean, they understand they're running on American GPUs.Rune Kvist [00:32:21]: Some of them, some of them understand that they're running on American GPUs.Swyx [00:32:23]: They're not, like, phoning home every time you, like, call home.Rune Kvist [00:32:26]: No. A year ago, there was not a lot of understanding of this. I actually think, you're seeing the security leaders becoming kind of AI literate at a blistering pace, and you're actually also seeing my Twitter timeline that's very pilled and my LinkedIn feed that used to not at all be pilled kind of converge. They're both talking about Fable.Swyx [00:32:45]: Right. Yeah, that's true.Rune Kvist [00:32:46]: They are both talking about whether you can prevent models from being jailbroken these days.Swyx [00:32:51]: Yeah.Rune Kvist [00:32:52]: Like national security national security risks are now the conversation that is actually emerging. Other than that, I think you mostly see a kind of general picture: there are no concerns with any particular model or any particular model output, but there is a general nervousness of having critical infrastructure run on models that are not produced in America by Americans where the American government has control.Swyx [00:33:14]: But it doesn't necessarily show up in your framework that directly, or it might, I don't know.Rune Kvist [00:33:18]: There's a bit of stuff in there actually on the, like, the provenance of the models and disclosing that. But I think there's a bunch of use cases where running a Chinese open-source model is just the best solution.Swyx [00:33:27]: Yeah.Rune Kvist [00:33:27]: And a concern is slightly more macro here, which is not best addressed at any particular certification level.Vibhu [00:33:32]: Is there anything interesting that you see at the. You know, if you're trying to fill that middle gap, that mediation gap, any interesting stuff that you guys forecast would be required other than, you know, what the average person might expect?Cyber, Child Safety, Bio Risk, and Expert CoordinationRune Kvist [00:33:47]: There's a bunch of interesting questions about what are the risks that matter here. So right now, the risk of the day is cyber, because it's very real, very tangible. And some of the risks that are also emerging as pretty real and pretty tangible are things like child safety is becoming both extremely important, but also politically important. And then there are some of the risks that are coming down the pipeline that today feel kind of speculative, but people who spend a lot of time with the models see them coming down is things like, risks that relate to biology.Rune Kvist [00:34:18]: And specifically whether models will help adversaries produce biological weapons and making that extremely cheap, extremely accessible, producing-- making the chance of another COVID or worse pandemic. COVID was not engineered to be bad, as if you were trying to do that. So I think those are some of the risks that are coming down the pipeline. I think one other thing to just note is that agents are kind of deliberately narrow. So, like, when a frontier agent company puts a chatbot that interacts with customers, they've really tried to narrow the topics it's interested in talking about. Such that if you ask it, like, “What do you think of the president?” it will just decline, which means that the kind of risk area is somewhat smaller. For models, it is infinite. And so there's not a single expert out there who can competently evaluate the risks of cyberattacks and fifteen-year-olds having month-long conversations with a chatbot and seeing whether it will in fact recommend suicide or something horrendous like that, and can evaluate the risks that terrorists can use AI to produce bioweapons. The risk surface is just too big. And so the central challenge actually becomes how do you get those subject matter experts to work within a one coherent framework that outputs one coherent report and rating that the world can go and inspect? ‘Cause that global perspective is central, but there's not a single organization today that could produce that.Swyx [00:35:47]: And you would be the presumptive one when you put out your model standards.Rune Kvist [00:35:51]: We think there can be one company that can, with a consortium of experts, build one coherent standard. I think we've shown that across all of the enterprise risks today. We think it could be one company that could, with a consortium, specify the audit rules, basically like the inputs and outputs that all these technical experts need. What access do they need? How should they treat infosec- info security? They can look at whether the eval- evals are well-produced without necessarily being able to say, “Hey, is this a threat or not a threat?” But overall, evaluating whether the evals are good, well-constructed, that set of audit rules that basically becomes the interface for all these experts, we think one clearinghouse could put together. To be clear. When I say one company, I think of it as one company coordinating lots of this in the same way that when we saw our consortium, it's not like we say we have all the answers on agent security. What we say is we are taking on the role of eliciting all of the concerns and being the secretary that puts it together and runs a tight house such that the standard updates lockstep every quarter, and that the audit reports that come out, in this case, 100-page audit reports, uniform and crisp and clear all to the level of detail that is required for executives that need to make a clear go/go decision. So that's kind of the role that we think we might play.OWASP, Frameworks, and the Operational Audit LayerSwyx [00:37:11]: I think in many ways you're performing the role that OWASP used to do there, and you said, like, you know, competition and partners.Rune Kvist [00:37:18]: Yeah.Swyx [00:37:19]: Can you go more into, like, how they partner?Rune Kvist [00:37:20]: Yeah. So first of all, OWASP is basically an open source community of security practitioners that are coming together to build frameworks for addressing the latest security concerns. We think they are phenomenal at creating frameworks. We'- In fact, we'- First of all, we're partners with them, so we have a joint article. Two, we've learned a lot from them. We think they're a tremendous source of intelligence. What OWASP does not do is building the machine that runs third-party audits such that a company like Cursor or a company like JPMorgan could get a third party to go and review them against this and say, “Hey, you've passed the standard, and here is the report that you can use to build trust and preempt your partners' or customers' questions.” So they fundamentally try to do something different. You - They are part of the information gathering and intelligence gathering and creating clarity, but the operational layer of turning this into promises is not the business they try to be in.Swyx [00:38:14]: The standard is emerging and is doing very well. Was it necessary to then also do underwriting? Obviously it's in the name, so please remember you thought about it first. I feel like if you just have enough consensus, you don't actually need the money angle, but it does help.Vibhu [00:38:30]: I did want to also note, you guys are a profit company too, right? It's not profit where there's a whole business side to it as well?Why For-Profit Standards and Insurers MatterRune Kvist [00:38:39]: Yeah. Yeah, so I'm just getting crazySwyx [00:38:41]: I think about the money part.Rune Kvist [00:38:42]: Yeah. Yeah, let's get into the money part. Let's start from actually your question, profit versus profit. In the security space today, cybersecurity, most of the standards are produced by nonprofits. I think that's an issue.Rune Kvist [00:39:00]: The question you have to ask yourself is, how do you create good incentives for these standards to be good and keep up?Rune Kvist [00:39:09]: Nonprofits tend to not have these adverse profit incentives where they, hollow out their standard and create a race to the bottom, but they're also not at all responsive by default to the communities that they serve. There's no process-- They don't have customers that they serve where they go and ask, “What do you want? What do you want? What do you want?” And when you look at the overall satisfaction with the security standards today, people tend to just not like them very much. You do see in other domains, that profit standards can serve the world quite well. So there are examples, like we talked about Moody's before. It's not without flaws, but, it is absolutely critical societal infrastructure that gets run at an astounding scale today. Your credit score, it's FICO. It's also a profit business. And when you go back even further in history, some of the crash testing standards came out of insurance companies.Rune Kvist [00:40:06]: The insurance companies together founded the Insurance Institute for Highway Safety because they were very interested in, like, how can we use standards to drive down mortality and save money? Go back, prior-- Our name actually pays homage to the Underwriters Laboratories, UL, which, was started right around when electricity came out. Houses started burning down. Insurers, again, were paying the bill, and they were maybe also good people, but their profit incentive was, let's prevent houses from burning down. Let's test all the electrical products, the light bulbs. All the light bulbs in here are probably tested, the toasters, et cetera. And they set up, an entity to create those standards. Today, UL has a profit entity and a profit entity. What they've recognized, they spun - They started profit. They spun out a profit because what they recognized was like, hey, actually to serve customers well, you need a profit entity. The lesson here is one of the ways that the market can align incentives so you're both responsive to customersRune Kvist [00:41:07]: And not hollowing out your standard over time is to align it with insurers because they fundamentally have good incentives. And so if you're a profit standard that works closely with insurers, you get the feedback loop in such that you're really tuned into your customers, but also have their interest at heart. So that's the model that we - the kind of inspirational model that we've learned a lot from, and that's also where the name comes from. In some ways, the term underwriting can both be associated with insurance, but it's also a broad term for, like, making decisions.Rune Kvist [00:41:40]: If you underwrite a decision, you're fundamentally kind of taking ownership for the consequences of it.AI Insurance Contracts, Lloyd's of London, and ElevenLabsSwyx [00:41:45]: Yeah, I mean, what does an insurance contract look like for AI?Rune Kvist [00:41:49]: Yeah. Most of the demand comes today for insurance contracts is, sitting between people who've built AI and people who are buying AI.Swyx [00:41:56]: Yes.Rune Kvist [00:41:57]: And what you want—the reason why people want insurers involved, both for the traditional reasons, hey, if something goes wrong, we want to be compensated, but it's in particular because insurers can bring trust to the equation. Because insurers will pay for the damages, if they're willing to write an insurance policy, that is them saying, “Hey, we think there is risk here, but that is manageable.” And that is kind of a. Their incentive aligns with the enterprises adopting it, so that's a really a good signal to the market. In the same way, actually, one of the things that Waymo tried to get their first permit to even operate in San Francisco was to get a lot of insurers to stack up a huge insurance policy. In the case if something went wrong, not because Google can't pay, but because it was very valuable to have a third party go and look at that dataRune Kvist [00:42:47]: That are trusted by governments, trusted by enterprises as conservative people and say, “Hey, we've looked at it. We're actually willing to take some of this on our balance sheet.” So that's, that's kind of the reason why people are interested in it. What it looks like is, in some ways like every other insurance contract. You specify what are the perils you want to cover, how much do you want to cover them, like up to what limits, and what does it cost to cover that. And in the case of, if we take a really concrete example, ElevenLabs, bought a first of its kind AI agent insurance policy. They work with some of the biggest, enterprises that work with governments. They're really interested in going above and beyond and making promises to their customers. So they wrote a policy that covers just some of the core concerns that their customers have been asking about. And, the crucial thing was really to get Lloyd's of London, the world's oldest insurer, one of our partners, to look at this data and be that third party alongside us to say, “Hey, we think there's something here that's worth underwriting.” and that's actually what it looks like. And so they will show that contract to their customers, and they can see how much they're covered for. They can see what exactly it covers, and that will also probably change next year. They will want to write an insurance policy that might cover more.Swyx [00:44:04]: When you say Lloyd's, is it reinsurance, or are they sharing somehow at the same level orRune Kvist [00:44:11]: Yeah. So typically, the way, new companies get into insurance is that they partner with insurers such that the insurers take the majority or all of the financial risks. Fundamentally, if insurance is useful, because it brings trust, you have to be able to pay the bill. Lloyd's of London is 400 years old. They've never not paid a claim. They're extremely trusted. What Lloyd's of London struggle to do on their own is to figure out which of the risks are real, what should we be looking for, what are the kinds of technical controls, and running the tests. So they use AIUC-1 as kind of the underwriting framework, and we produce a bunch of eval results that then directly feed in to inform the pricing. So this means that ElevenLabs customers know that payment will be there. They don't have to look to our series A and see, like, do we think they have enough cash on the balance sheet? They will look at Lloyd's.Swyx [00:45:05]: Yeah.Rune Kvist [00:45:05]: Yeah.Swyx [00:45:05]: And Lloyd's, like, famously very creative. I think I remember some headline like, they insured Jennifer Lopez's, butt or something.Rune Kvist [00:45:13]: Correct.Swyx [00:45:13]: Right?Rune Kvist [00:45:13]: And I think, was it, David Beckham's right foot?Swyx [00:45:16]: So, yeah. Right?Rune Kvist [00:45:17]: And stuff like this.Swyx [00:45:18]: So, like, clearly not a large data set.Rune Kvist [00:45:22]: Exactly. It's actually a remarkable institution that's both kind of has some of the truly school virtues of having been around for a long time. They, like, really. They really operate like a trusted entity, and they have appetite to figure out the future. And I think there's a lot of recognition that both there is, like, tremendous amount of risk in AI that is poorly understood today, so getting into this business carries real risks. But also this is where lots of the risk exposure will happen in the future. This is the one market where risk is truly growing. This is the one market that will also take out some of the existing markets. Take, like, auto insurance. When there are no human drivers, how's that market going to look? Well, it's clearly going to change. How are you going to assessSwyx [00:46:08]: You want to insure Waymo?Rune Kvist [00:46:10]: I. All I'll say is the principles for how you insure Waymo are very similar to how you insure other kinds of AI.Swyx [00:46:15]: Right.Rune Kvist [00:46:15]: So again, crash testing, that's what we do for customer share at Lovable. That will also need to happen for Waymo, which is not how you do it for human drivers. So there's this growing awareness that the world is changing very fast, and the only way to learn how to underwrite AI is to write some policies. You may incur some losses and think of that as R&D expense, really. But the question for them is, like, who are the trustedtechnical partners they can get into this business with that can help them navigate and make sure they don't make, kind of foolish mistakes? But also who is willing to hear the wisdom that they have? They've done this before. They've seen it was. They were there when cyber came out. So there are lots of ways in which AI feels completely new, but there's also lots of ways in which risks look the same. And so there's actually a tremendous amount of wisdom sitting in some folks that may have gray hair, but really have, like, a keen sense of, how to quantify risk.Swyx [00:47:08]: Yeah. And the number is. So it's basically like I want fifty million dollars worth of coverage against these perils, and Lloyd's will give you a quote on it, and then you have, like, a small markup or something, and then you turn it around and do that? Is that as simple as it is?Risk Capital, Premiums, and Working with InsurersRune Kvist [00:47:23]: You basically share some of that premium.Swyx [00:47:25]: Yeah.Rune Kvist [00:47:25]: X percent goes to the people who do the pricing of it.Swyx [00:47:28]: You're. It's kind of like a. It's kind of like a merchant bank for insurance type of thing.Rune Kvist [00:47:33]: Exactly. You basically split the fee, and you can think of the insurance supply chain as, like, there's bringing the capital, there is doing the pricing, and there is doing the distribution. And typically, you will pay out some X percent of premium here, Y percent of premium here, and the rest of it will go here.Swyx [00:47:46]: Does all the insurance world work like this, or is there some point at which, like. So if right now you have equity capitalRune Kvist [00:47:51]: Yeah.Swyx [00:47:52]: At some point, maybe you start raising, debt or whatever, and then you have enough of a bank account and enough history, let's say you've been in operation for ten yearsRune Kvist [00:48:00]: Correct.Swyx [00:48:00]: That you don't need Lloyd's anymore?Rune Kvist [00:48:02]: That's totally an option. And I could see some worlds where that makes sense, specifically if there are risks that we feel high confidence that we'd want to insure where the incumbent insurers are too slow to find appetiteSwyx [00:48:13]: Okay.Rune Kvist [00:48:13]: Or simply struggle to evaluate it such that they don't want to do it. But by and large, in general, you do not want to compete with insurers on, bringing risk capital to the game for two reasons. One is that's fundamentally a cost of capital game. They have extremely low cost of capital. Startups have high cost of capital, by and large. And two, you want to hedge your bets, and it's very helpful then to also have a portfolio of home insurance, of car insurance. And we're not about to become a car insurer nor a home insurer.Rune Kvist [00:48:43]: So they have some natural advantages, which makes it much more likely that we'll partner.Swyx [00:48:48]: Yeah.Rune Kvist [00:48:48]: And they bring that, the capital at scale, and we bring the technical expertise.Swyx [00:48:51]: You're, you're going to work with them for a long time.Vibhu [00:48:52]: How are the discussions with the insurers as well? So basically, they're going off of your certification, right? They're trusting the diligence on you that your certification is valid, you tested the right things, and they're backing the money that, you know, you have the right testing in place. So any interesting takeaways from working with insurers?Rune Kvist [00:49:12]: I think the maybe the first thing is they feed into the standard as well. So if there are things that they feel like they need that they're not seeing, we are also taking that as input into the standard, because fundamentally we think a good standard is one that creates a really healthy promise ecosystem, and we think insurers are a critical part of that. And again, they are the most well-incentivized to. They see all the lost data across every. Any particular CISO knows their particular concerns. Insurers see the concerns across the entire portfolio and often have direct access to, like, what exactly happened, who was at fault, et cetera, as they do part of their forensics. So they're actually, like, a great source of intelligence on this. One of the big takeaways from cyber insurance, which is a market that didn't work that well, was that the insurance and the technical expertise was not married up. What our conviction is that standards have to precede insurance. Fundamentally, what everyone first and foremost want, whether you're a CISO at JPMorgan or a CISO at Cursor or an underwriter at Lloyd's of London syndicate, is you want to not have an incidentRune Kvist [00:50:19]: In the first place. You want to know that the risk is well-managed, and only then does insurance start to make sense. So we'll see the standard ecosystem basically run ahead of the insurance. And the reason why we. You asked us kind of why I also do insurance, this is kind of proving what we think a whole promise confidence infrastructure ecosystem needs to look like, and we think it's very compelling to bring that to life, even if we think the standard is kind of the core linchpin that unlocks the rest.Claims, Liability, Air Canada, and Duty of CareSwyx [00:50:44]: There's been no claims yet, right?Rune Kvist [00:50:45]: Nope.Swyx [00:50:46]: This is one of those things where, you know, if people haven't really worked through what it means to cover things.Rune Kvist [00:50:52]: Yeah.Swyx [00:50:52]: So for example, I pay Cursor $20 a month.Rune Kvist [00:50:55]: Yep.Swyx [00:50:56]: And I write a vibe code something that makes, a plane crash, causing $200 million worth of damage.Rune Kvist [00:51:02]: Yes.Swyx [00:51:02]:

Most women know the feeling. You say yes. Your body shows up. But some part of you is somewhere else entirely — running through tomorrow's to-do list, waiting for it to be over, checking a box so you will not be expected to again for a week.It is called duty sex. And it is one of the most common and least talked-about dynamics in long-term relationships.In this episode for Sexual Health Awareness Month, Gabriella sits down with Dr. Holly Richmond, somatic psychologist, certified sex therapist, and author of Reclaiming Pleasure, for one of the most honest and practically rich conversations this show has ever had about desire, self-abandonment, and what it actually takes to move from going through the motions to having sex worth wanting.This is not a conversation about broken relationships or broken women. Nobody is broken here. But the system — the way we were taught to think about desire, consent, and our own pleasure — needs a serious upgrade. And this episode is a very good place to start.Are you ready to awaken your sensuality and feel more empowered in your body? Access the FREE Pleasure Upgrade Bundle at https://www.pleasureinthepause.com/gift.Dr. Holly Richmond is a somatic psychotherapist, certified sex therapist and sex therapy supervisor, and Associate Director of Modern Sex Therapy Institutes. An internationally recognized therapist, high-profile couples coach, speaker, retreat facilitator, and author of Reclaiming Pleasure: A Sex-Positive Guide for Moving Past Sexual Trauma and Living a Passionate Life, she takes a sex-positive approach to helping clients build healthy relationships and improve their sex lives in ways that are authentic, embodied and long-lasting. With a significant media following, her work has been featured in The New York Times, CNN, Oprah, Forbes, Netflix, NBC, and Cosmopolitan, among others. Highlights from our discussion include:What duty sex actually is and the difference between self-abandonment and a generous act of connectionWhat happens in a woman's body when she repeatedly says yes while part of her means no — numbness, resentment, and pain as the body's way of speakingSpontaneous versus responsive desire and why understanding the difference changes everything for midlife womenWhat a sexual template is, why most women have never developed one, and how to startThe three-part framework from Reclaiming Pleasure — control, pleasure, and connection — and how to use it to assess whether sex is happening in a sex-positive wayThe four things the healthiest couples do: active appreciations, giving the benefit of the doubt, affectionate touch without expectation, and talking about sexWhy nobody is broken — the lower desire partner, the higher desire partner, or the relationship — and what actually needs to change Dr. Holly Richmond says it plainly at the end of this conversation: nobody is broken here. Not the lower desire partner. Not the higher desire partner. The system is broken. And most of it can be repaired with more communication, more transparency, and more willingness to actually talk about sex — which almost none of us were taught to do. If you're seeking to reclaim your pleasure and vitality, join Gabriella at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.pleasureinthepause.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for this enlightening journey into the heart of female pleasure and empowerment.CONNECT WITH DR. HOLLY:WebsiteInstagramRESOURCES: Book: Reclaiming Pleasure by Dr. Holly RichmondCome as You Are by Emily NagoskiEpisode 116 — How to Take the Vacation Version of You HomeFull episodes on YouTube.The information shared on Pleasure in the Pause is for educational and informational purposes only and is not intended as medical advice. Always consult your healthcare provider before making any decisions about your health or treatment. The views expressed by guests are their own and do not necessarily reflect the views of the host or Pleasure in the Pause.

Prominent law professor and former Law Reform Commissioner Augusto Zimmerman discusses the global oligarchy’s plans for world totalitarianism and the erosion of individual rights via the “Great Reset” and legal precedents set during COVID-19(84). Zimmerman argues that current international agendas, supported by groups like WEF, aim to dismantle private property and national sovereignty in favor of a top-down global dictatorship. He emphasizes the importance of natural law and the legal right to disobey grossly unjust government mandates that violate bodily autonomy or freedom of speech. Throughout the conversation, the speakers examine how digital IDs, surveillance technologies, and managed crises are used to consolidate power and suppress dissent across the globe. Dr. Zimmermann calls for a return to traditional constitutional principles and patriotic resistance. Watch on BitChute / Brighteon / Rumble / Substack / YouTube *Support Geopolitics & Empire! Become a Member https://geopoliticsandempire.substack.com Donate https://geopoliticsandempire.com/donations Consult https://geopoliticsandempire.com/consultation **Listen Ad-Free for $4.99 a Month or $49.99 a Year! Apple Subscriptions https://podcasts.apple.com/us/podcast/geopolitics-empire/id1003465597 Supercast https://geopoliticsandempire.supercast.com ***Visit Our Affiliates & Sponsors! Above Phone https://abovephone.com/?above=geopolitics American Gold Exchange https://www.amergold.com/geopolitics Escape The Technocracy (15% off w/ GEOPOLITICS) https://escapethetechnocracy.com/geopolitics Expat Money Online Summit 2026 (20% off VIP w/ EMPIRE) https://expatmoney.com/geopolitics My Latin Life Services (5% off w/ GEOPOLITICS) https://mylatinlife.com/services PassVult https://passvult.com Sociatates Civis https://societates-civis.com Starlink (1 month free) https://starlink.com?referral=RC-2544516-42805-61 StartMail (50% off) https://www.startmail.com/partner/?ref=ngu4nzr Tello ($10 off) https://tello.com/account/register?_referral=P3S8CH2D Wise Wolf Gold https://www.wolfpack.gold/?ref=geopolitics Websites The Legal Right to Disobey Law https://sidestream.press/books The Battle for the Soul of Western Civilisation https://www.connorcourtpublishing.com.au/The-Battle-for-the-Soul-of-Western-Civilisation-by-Augusto-Zimmermann-and-Gabri%C3%ABl-A-Moens-AM_p_667.html Merchants of Death: Global Oligarchs and Their War On Humanity https://www.amazon.com/Merchants-Death-Global-Oligarchs-Humanity-ebook/dp/B0CPJWPMFM Spectator Australia https://www.spectator.com.au/author/augusto-zimmermann About Augusto Zimmermann Professor Augusto Zimmermann PhD (Mon.), LLM, LLB (Hon.), CIArb, DipEd, is a former Law Reform Commissioner with the Law Reform Commission of Western Australia. He is the Foundation Dean and Professor of Law at Alphacrucis University College. *Podcast intro music used with permission is from the song “The Queens Jig” by the fantastic “Musicke & Mirth” from their album “Music for Two Lyra Viols”: http://musicke-mirth.de/en/recordings.html (available on iTunes or Amazon)

Many Veterans assume that because the VA already has their service treatment records or VA medical records, they have everything needed to approve their disability claim. Unfortunately, that's one of the most common misconceptions in the VA claims process.In this episode, Leah Bucholz—a former Army Physician Assistant and former VA C&P examiner—explains the critical difference between medical records and medical evidence. You'll learn why treatment records alone often aren't enough to establish service connection and what the VA is actually looking for when deciding your claim.Whether you're filing an initial claim, responding to a denial, or preparing an appeal, understanding what evidence may be missing can make all the difference.In this episode, you'll learn: Why having medical records isn't always enough to win a VA disability claim  The difference between treatment records and evidence for service connection  The three essential elements of a successful VA disability claim  Why doctors write treatment notes differently than medical opinions  Real-world examples of claims that lacked the necessary nexus evidence  The limits of the VA's Duty to Assist  Why quality evidence is more important than the quantity of records you submit  Questions every Veteran should ask before filing or appealing a claim If you've ever said, "The VA already has my records," this episode is for you.⚠️ Disclaimer: This video is for educational purposes only and is not legal or medical advice. Every VA disability claim is unique and should be evaluated based on its individual facts.If you found this video helpful, please Like, Subscribe, and Share it with another Veteran who may benefit.Have another VA myth you'd like us to bust? Leave it in the comments below!

A young woman takes a step toward the future she envisions, as life begins to unfold in ways no one could have imagined. Also, check our new true crime podcast, For My Man, on the Urban One Podcast Network https://www.urban1podcasts.com/for-my-man-true-crime Music Credits: DEX 1200/Falling Up/Courtesy of www.epidemicsound.com Tracker/Christoffer Moe Ditlevsen/Courtesy of www.epidemicsound.com Jo Wandrini/The Arctic/Courtesy of www.epidemicsound.comSee omnystudio.com/listener for privacy information.

Send us Fan MailThis isn't analysis. This isn't politics. This is raw.Aaron unloads on what just happened—and why it matters more than anything you're arguing about online. Helicopters shot off target. Aircraft lost. Teams hit, patched up, and went right back on alert. Because someone was alone, injured, and needed help. That's it. That's the mission.This is CSAR stripped down to its core: no ego, no Instagram, no “pipeline hype.” Just one question—are you going to risk everything to bring someone home?Aaron makes it painfully clear: nobody cares about your run times, your programming, or your opinions. When it's real, the only thing that matters is whether you're willing to go when everyone else can't.If that question makes you uncomfortable… good. It should.⏱️ Timestamps: 00:00 Turn This Off If You Want “Safe” Opinions 01:30 This Was a Historic CSAR Event 03:30 Helicopters Hit—And They Still Went Back 05:00 This Isn't Sexy. This Is The Job 06:30 Are You Going or Not? 08:00 No One Cares About Your Fitness Stats 09:30 The Reality of Risk & Sacrifice 11:00 Why CSAR Is Different 13:00 The Dumbest Internet Arguments Right Now 15:00 The Only Thing That Matters—Did You Bring Him Home? 17:00 Brotherhood, Duty, and Zero Hesitation 19:00 This Career Field Isn't What You Think 21:00 Final Thought—Earn It Every Day

This episode is presented by Create A Video – It's understandable why so many young people cannot comprehend the sheer tragedy and impact of the 9/11 attacks. But it's our duty to tell the stories and, more importantly, the Islamic ideology that promulgated the violence. It hasn't changed for 1,400 years.Become a supporter of this podcast: https://www.spreaker.com/podcast/the-pete-kaliner-show--6946691/support.Subscribe to the podcast My preferred podcast platform: SpreakerCheck out my preferred gold & silver company: Revelation Gold GroupHelp support Pete's Walk to End Alzheimers here.All the links to Pete's Prep are free! Plus get exclusive content here!Media Bias Check: GroundNews promo code!Advertising and Booking inquiries: Pete@ThePeteKalinerShow.com  

This week, Emily Bazelon, John Dickerson, and David Plotz discuss how a narrow Supreme Court majority used aesthetic standing to greenlight Trump's ballroom construction, why bond yields are rising around the world and how that impacts everyone with guest Jason Furman, and how the extradition showdown between Texas and Minnesota over an ICE officer involved in a shooting betrays fraying relations among the states.Here are this week's chatters: Emily: Does Cutting Flower Stems Underwater Really Help?; Rachel Feltman for The Washington Post: How to keep fresh cut flowers from dying (with science) John: Crime and Punishment by Fyodor Dostoevsky; Line of Duty on Rotten Tomatoes; The Economist: What Democrats—and Republicans—can learn from Raphael Warnock; Lia Picard for Huffpost: The Hidden Health Benefits Of Eating Leftovers For Breakfast David: Simon Ducroquet and John Ismay for The New York Times: The Logistics Nightmare Facing U.S. Warships; The Last Ship on Netflix Listener chatter from Daniela Koontz in Houston, Texas: Anthropeum For this week's Slate Plus bonus episode, Emily, John, and David discuss Army secretary Dan Driscoll's resignation as the latest high-level Army official to run afoul of Pete Hegseth, whether Hegseth is capable of leading the military through a moment of real strain, and the increasing leaks from inside the Pentagon. In the latest Gabfest Reads, David Plotz talks with John Lanchester about his new novel, Look What You Made Me Do, a darkly funny psychological thriller about two couples in modern-day London whose lives collide in a story of infidelity, obsession, and revenge. The book explores the performance of niceness, class, intergenerational frictions and how technology makes vengeance not just possible but almost exceedingly easy in the modern age. Email your chatters, questions, and comments to gabfest@slate.com. (Messages may be referenced by name unless the writer stipulates otherwise.) Podcast production by Nina Porzucki Research by Emily DittoYou can find the full Political Gabfest show pages here. Want more Political Gabfest? Join Slate Plus to unlock weekly bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. You can subscribe directly from the Political Gabfest show page on Apple Podcasts and Spotify. Or visit slate.com/gabfestplus to get access wherever you listen. Find out more about David Plotz's monthly tours of Ft. DeRussy, the secret Civil War fort hidden in Rock Creek Park. Follow@SlateGabfest on X / https://twitter.com/SlateGabfestSlate Political Gabfest on Facebook / https://www.facebook.com/Gabfest/Need to set up your Slate Plus feed? If you subscribed through Slate.com, check out our FAQ at slate.com/podcastfaqs for easy instructions. Members subscribed via Apple Podcasts get automatic access—no setup required. Hosted on Acast. See acast.com/privacy for more information.

This week, Emily Bazelon, John Dickerson, and David Plotz discuss how a narrow Supreme Court majority used aesthetic standing to greenlight Trump's ballroom construction, why bond yields are rising around the world and how that impacts everyone with guest Jason Furman, and how the extradition showdown between Texas and Minnesota over an ICE officer involved in a shooting betrays fraying relations among the states.Here are this week's chatters: Emily: Does Cutting Flower Stems Underwater Really Help?; Rachel Feltman for The Washington Post: How to keep fresh cut flowers from dying (with science) John: Crime and Punishment by Fyodor Dostoevsky; Line of Duty on Rotten Tomatoes; The Economist: What Democrats—and Republicans—can learn from Raphael Warnock; Lia Picard for Huffpost: The Hidden Health Benefits Of Eating Leftovers For Breakfast David: Simon Ducroquet and John Ismay for The New York Times: The Logistics Nightmare Facing U.S. Warships; The Last Ship on Netflix Listener chatter from Daniela Koontz in Houston, Texas: Anthropeum For this week's Slate Plus bonus episode, Emily, John, and David discuss Army secretary Dan Driscoll's resignation as the latest high-level Army official to run afoul of Pete Hegseth, whether Hegseth is capable of leading the military through a moment of real strain, and the increasing leaks from inside the Pentagon. In the latest Gabfest Reads, David Plotz talks with John Lanchester about his new novel, Look What You Made Me Do, a darkly funny psychological thriller about two couples in modern-day London whose lives collide in a story of infidelity, obsession, and revenge. The book explores the performance of niceness, class, intergenerational frictions and how technology makes vengeance not just possible but almost exceedingly easy in the modern age. Email your chatters, questions, and comments to gabfest@slate.com. (Messages may be referenced by name unless the writer stipulates otherwise.) Podcast production by Nina Porzucki Research by Emily DittoYou can find the full Political Gabfest show pages here. Want more Political Gabfest? Join Slate Plus to unlock weekly bonus episodes. Plus, you'll access ad-free listening across all your favorite Slate podcasts. You can subscribe directly from the Political Gabfest show page on Apple Podcasts and Spotify. Or visit slate.com/gabfestplus to get access wherever you listen. Find out more about David Plotz's monthly tours of Ft. DeRussy, the secret Civil War fort hidden in Rock Creek Park. Follow@SlateGabfest on X / https://twitter.com/SlateGabfestSlate Political Gabfest on Facebook / https://www.facebook.com/Gabfest/ Hosted on Acast. See acast.com/privacy for more information.