Podcasts about fca

In Part 1, Chauncey opens up about: Growing up a pastor's kid in Texas Drifting far from his faith during college The night God stopped him in his tracks inside a nightclub How his future wife played a pivotal role in bringing him back to church His calling into ministry And how God led him from youth pastoring to FCA at SMU and eventually TCU This is a story of identity, purpose, surrender, and redemption. It's the kind of story that reminds us that leadership isn't about titles or positions — it's about obedience, transformation, and allowing God to shape our steps. This first episode sets the foundation for a deeper conversation in Part 2, where we'll explore identity, doubt, pressure, prayer, and leadership. But first — let's step into the backstory of a man whose life is making a massive impact at TCU and far beyond. Here is Part 1 with Chauncey Franks.

Billy Klein went from working 60-80 hour weeks as an EY auditor to helping build FloQast Transform—the fastest-growing product in FloQast history. In this episode, he breaks down how accounting teams are actually implementing AI automation, what makes AI auditable, and why most accountants want to build their own workflows (not outsource to IT).

On this powerful episode of the Rooted in Christ Podcast, Eric sits down alongside Nobles Darby IV—Metro Cleveland Director of Fellowship of Christian Athletes (FCA)—for a conversation about faith, sports, unity, and the Great Commission.From the locker rooms of the NFL and NBA to high school campuses across Cleveland, Noel shares how God called him into chaplaincy and sports ministry at the highest levels. We dive into:What it really means to live out the Great CommissionWhy sharing your faith requires getting uncomfortableHow FCA is impacting 50+ schools in Northeast OhioThe powerful “One Team” football camp that united inner-city and suburban athletes during 2020's civil unrestWhy Cleveland's deep sports culture is the perfect mission fieldTearing down idols and pointing athletes and fans back to JesusWe also discuss the partnership between FCA and Redwood Christian Ministries for this year's Beyond the WallsChristian hip-hop & R&B concert in Cleveland on November 7th—an event focused on salvation, discipleship, and advancing the Kingdom.This episode is a reminder: We weren't saved to sit—we were saved to be sent.If this episode encourages you, like, share, and subscribe to the Rooted in Christ Podcast on all major platforms.

Welcome to episode 226 of the Financial Crime Weekly Podcast. I am Chris Kirkbride. In this episode, we cover a significant international enforcement push by INTERPOL, while the US Treasury targets a CJNG−linked timeshare fraud network. We also look at US sanctions imposed on Sudanese RSF commanders and MONEYVAL's praise for Latvia's significant AML/CFT progress. In legal developments, we cover the conviction of a Chinese national in a gift-card laundering scheme, and the Upper Tribunal's decision to uphold FCA penalties against company directors. Finally, we examine ESMA's new consultation to streamline market abuse disclosure rules. A transcript of this podcast, with links to the stories, will be available at www.crimes.financial.

Brandon Lambert | Ada County Area Rep blambert@fca.org | 805-801-0413‬Brandon Lambert, a California native, grew up with a passion for sports and community. After years of coaching, discipling men, mentoring youth, and volunteering, he discovered a powerful way to bring all of his passions together. In 2019, he came on staff with FCA, realizing he could pursue all of these callings through sports under one umbrella for the Lord. As he continues to grow in his own faith, Brandon is dedicated to building relationships and encouraging others in their walk with Christ. Brandon is married to his wife, Jennifer, and has 3 kids and a grandson.My favorites - James 1:12, Family time, Travel adventures with my bride, Hiking, Fishing, Golfing, BBQ'n, Thai food & Tacos.The Fellowship of Christian Athletes' exciting local radio program, Heart of the Athlete, airs Saturdays at 9:30 am MST on 94.5 FM and 790 AM Boise's Solid Talk. The show is hosted by local FCA Director, Ken Lewis. This program is a great opportunity to listen to local athletes and coaches share their lives, combining sports with their faith in Jesus Christ each week!Our relationships will demonstrate steadfast commitment to Jesus Christ and His Word through Integrity, Serving, Teamwork and Excellence.NNU Box 3359 623 S University Blvd Nampa, ID 83686 United States (208) 697-1051 klewis@fca.orghttps://www.fcaidaho.org/Podcast Website: https://www.790kspd.com/podcast-heart-of-the-athlete/

Beat the system with TallyMoney. Gold you can spend. Discover more here: https://click.tallymoney.com/A64P/df08xa5e #adAs the war in Ukraine approaches its fourth anniversary, a senior Ukrainian official has issued a stark warning to Britain about the wider threat posed by Vladimir Putin's Russia.On Chopper's Political Podcast, Christopher Hope speaks to Vitalii Kim, Governor of Mykolaiv Oblast, a region just 40km from the frontline and still partially occupied by Russian forces. Kim recalls the first day of the full-scale invasion in February 2022, describes life under constant missile and drone threat, and explains how modern warfare has transformed the battlefield.He warns that Russia “will not stop” if it succeeds in Ukraine, arguing that his country is now acting as a shield for Europe. Kim calls for deeper cooperation with the UK, not only continued military support, but long-term economic and technological investment to help rebuild Ukraine while the war continues.The episode also explores what Britain should do next, including defence spending, the future of NATO, and whether the UK is prepared for a more dangerous security environment.Plus, Tom Harwood joins Christopher Hope to discuss Reform UK's new top team, the legal battle over delayed local elections, and the wider political implications for Sir Keir Starmer's government.#Russia #Ukraine #Reform #NigelFarage The purchase of gold and investment in bullion is not FCA regulated nor do they benefit from the protections of the Financial Services Compensation Scheme or the Financial Ombudsman Service. The value of your investment can go down as well as up. Consider the risks involved before choosing to invest. This card is issued by Transact Payments Limited pursuant to licence by Mastercard International Incorporated.Keep up to date with GB News at gbnews.com or on X @GBNEWSBecome a Friend of GB News: gbnews.com/friend Hosted on Acast. See acast.com/privacy for more information.

In this week's issue of Travers Smith's Alternative Insights, we are looking at UK regulator's client categorisation rules and their effect on firms looking to access individual investors.Wealthy individuals targeted: In Europe, policymakers and larger private fund managers are adapting rules and processes to attract more high-net-worth investors, while acknowledging that managing investor protection rules is essential.FCA aims to simplify categorisation: The UK's regulator is proposing a more flexible, judgment-based approach to opting up retail clients, replacing rigid thresholds but stressing the need for robust assessments and proper due diligence.Firms must maintain standards: As individual investors become more prevalent in private markets, compliance processes are essential – requiring significant investment but promising lasting value.Links:https://www.traverssmith.com/knowledge/knowledge-container/eu-retail-investment-directive-and-regulation/https://url.uk.m.mimecastprotect.com/s/LnL0CQY4irXQXQFGHLIGkFHp?domain=sites-traverssmith.vuturevx.comhttps://www.ukprivatecapital.co.uk/static/dd01a037-6196-4184-87b43369579f1f87/260119-UK-Private-Capital-reponse-to-CP2536-Client-Cat-and-CoI-FINAL.pdf

In this CPD-qualifying podcast, Roy McLoughlin, member of the Protection Distributors Group, speaks with editor Simoney Kyriakou ahead of Business Protection Focus Week to discuss what to expect from next week's many initiatives, what to make of the FCA's latest work in the protection space and what protection could look like in a world of targeted support.The FTAdviser Podcast is designed to inform regulated UK advisers on a range of topics, covering investments, pensions, regulation and other key issues. Hosted on Acast. See acast.com/privacy for more information.

Welcome to episode 225 of the Financial Crime Weekly Podcast. I am Chris Kirkbride. In this episode, we look at the outcomes of the FATF Plenary, the UK government's call for evidence on sanctions ownership and control rules, and the FCA issuing a fine to the former Carillion CEO. In the US, the Treasury has launched a new confidential whistleblower portal, and FinCEN has warned of the rise of relationship-investment scams. Finally, we examine the World Economic Forum's analysis of strengthening financial crime defences in the Gulf States, and a major UK government study concerning cyber attacks.A transcript of this podcast, with links to the stories, will be available at www.crimes.financial.

Hi, everyone! I have ended up out of sequence! Last time I said we would be back with an episode on fatty liver disease, but the FCA has published its Protection Market Interim Report, and I absolutely had to cover this.The good news is that the FCA thinks that the protection industry is working really well, it just needs a couple of tweaks. Overall, I am really happy with what the report says, but there are some areas I don't agree with and you can hear my views in this episode. I am going through their review of insurance costs, claims, complaints, the role of commissions, restricted panels, loaded premiums and more.The key takeaways:Within pure protection products, income protection has the lowest value in terms of cost compared to claims success, but is still much higher than other insurancesLoaded premiums, commission and restricted panels have been analysed and shown to not show significant detriment to consumersClosing the Protection Gap remains one of the key challenges for the protection insurance industryThere are a lot of insights in the report and it is well worth a read. I've tried to pick out certain pages to direct you to, in case you don't fancy the full thing, it is 47 pages.Next time Alan will be back with me and we will be covering how fatty liver disease and protection insurance work.Remember, if you are listening to this as part of your work, you can claim a CPD certificate on our website, thanks to our sponsors PlannerX.

The Brazilian equity market had a strong 2025 and momentum has so far carried over, but can it continue? Tiago Berriel, chief strategist at BTG Pactual joins us on the podcast to unpack what has driven Latin America's largest economy and what lies ahead. Real rates, trade relations, election considerations and why Tiago is more positive on the economy than the Brazilian soccer team come in to focus.Our host, Moz Afzal:https://bit.ly/31XbkTROur guest:Tiago Berrielhttps://bit.ly/4rqCeOeEFGAM:https://www.newcapital.com/Important disclaimersThe value of investments and the income derived from them can fall as well as rise, and past performance is no indicator of future performance. Investment products may be subject to investment risks involving, but not limited to, possible loss of all or part of the principal invested. This document does not constitute and shall not be construed as a prospectus, advertisement, public offering or placement of, nor a recommendation to buy, sell, hold or solicit, any investment, security, other financial instrument or other product or service. It is not intended to be a final representation of the terms and conditions of any investment, security, other financial instrument or other product or service. This document is for general information only and is not intended as investment advice or any other specific recommendation as to any particular course of action or inaction. The information in this document does not take into account the specific investment objectives, financial situation or particular needs of the recipient. You should seek your own professional advice suitable to your particular circumstances prior to making any investment or if you are in doubt as to the information in this document.Although information in this document has been obtained from sources believed to be reliable, no member of the EFG group represents or warrants its accuracy, and such information may be incomplete or condensed. Any opinions in this document are subject to change without notice. This document may contain personal opinions which do not necessarily reflect the position of any member of the EFG group. To the fullest extent permissible by law, no member of the EFG group shall be responsible for the consequences of any errors or omissions herein, or reliance upon any opinion or statement contained herein, and each member of the EFG group expressly disclaims any liability, including (without limitation) liability for incidental or consequential damages, arising from the same or resulting from any action or inaction on the part of the recipient in reliance on this document.The availability of this document in any jurisdiction or country may be contrary to local law or regulation and persons who come into possession of this document should inform themselves of and observe any restrictions. This document may not be reproduced, disclosed or distributed (in whole or in part) to any other person without prior written permission from an authorised member of the EFG group.This document has been produced by EFG Asset Management (UK) Limited for use by the EFG group and the worldwide subsidiaries and affiliates within the EFG group. EFG Asset Management (UK) Limited is authorised and regulated by the UK Financial Conduct Authority, registered no.7389746. Registered address: EFG Asset Management (UK) Limited, 116 Park Street, London W1K 6AP, United Kingdom, telephone +44 (0)207 491 9111.Independent Asset Managers: in case this document is provided to Independent Asset Managers (“IAMs“), it is strictly forbidden to be reproduced, disclosed or distributed (in whole or in part) by IAMs and made available to their clients and/or third parties. By receiving this document IAMs confirm that they will need to make their own decisions/judgements about how to proceed and it is the responsibility of IAMs to ensure that the information provided is in line with their own clients' circumstances with regard to any investment, legal, regulatory, tax or other consequences. No liability is accepted by EFG for any damages, losses or costs (whether direct, indirect or consequential) that may arise from any use of this document by the IAMs, their clients or any third parties.If you have received this document from any affiliate or branch referred to below, please note the following:Australia: This document has been prepared and issued by EFG Asset Management (UK) Limited, a private limited company with registered number 7389746 and with its registered office address at 116 Park Street, London W1K 6AP (telephone number +44 (0)207 491 9111). EFG Asset Management (UK) Limited is regulated and authorized by the Financial Conduct Authority No. 536771. EFG Asset Management (UK) Limited is exempt from the requirement to hold an Australian financial services licence in respect of the financial services it provides to wholesale clients in Australia and is authorised and regulated by the Financial Conduct Authority of the United Kingdom (FCA Registration No. 536771) under the laws of the United Kingdom which differ from Australian laws.ASIC Class Order CO03/1099EFG Asset Management (UK) Limited notifies you that it is relying on the Australian Securities & Investments Commission (ASIC) Class Order CO03/1099 (Class Order) exemption (as extended in operation by ASIC Corporations (Repeal and Transitional Instrument 2016/396) for UK Financial Conduct Authority (FCA) regulated firms which exempts it from the requirement to hold an Australian financial services licence (AFSL) under the Corporations Act 2001 (Cth) (Corporations Act) in respect of the financial services we provide to you.The financial services that we provide to you are regulated by the FCA under the laws and regulatory requirements of the United Kingdom which are different to Australia. Consequently any offer or other documentation that you receive from us in the course of us providing financial services to you will be prepared in accordance with those laws and regulatory requirements. The UK regulatory requirements refer to legislation, rules enacted pursuant to the legislation and any other relevant policies or documents issued by the FCA.Your Status as a Wholesale ClientIn order that we may provide financial services to you, and for us to comply with the Class Order, you must be a ‘wholesale client' within the meaning given by section 761G of the Corporations Act. Accordingly, by accepting any documentation from us prior to the commencement of or in the course of us providing financial services to you, you:• warrant to us that you are a ‘wholesale client';• agree to provide such information or evidence that we may request from time to time to confirm your status as a wholesale client;• agree that we may cease providing financial services to you if you are no longer a wholesale client or do not provide us with information or evidence satisfactory to us to confirm your status as a wholesale client; and• agree to notify us in writing within5 business days if you cease to be a ‘wholesale client' for the purposes of the financial services that we provide to you.Bahamas: EFG Bank & Trust (Bahamas) Ltd. is licensed by the Securities Commission of the Bahamas pursuant to the Securities Industry Act, 2011 and Securities Industry Regulations, 2012 and is authorised to conduct securities business in and from The Bahamas including dealing in securities, arranging dealing in securities, managing securities and advising on securities. EFG Bank & Trust (Bahamas) Ltd. is also licensed by the Central Bank of The Bahamas pursuant to the Banks and Trust Companies Regulation Act, 2000 as a Bank and Trust company. Registe...

Send a textHeadlines about AI in lending can feel distant—until lenders start engaging your clients directly, trimming PT procuration fees, and hinting at new retention tools. We tackle the real-world implications of the FCA's advice trigger change and the growing possibility that product transfers become leaner, faster, and less profitable for brokers who treat them as a business model. Our goal isn't fear—it's focus. We break down how to adapt now, so your revenue and reputation aren't at risk later.We dive into where human advice holds its ground: later life lending and equity release, bridging, second charge, and complex scenarios that need judgment, not scripts. We look at how AI will likely compress admin and accelerate decisions, freeing advisors to do the human work—listening, educating, planning—that actually drives client loyalty and better outcomes. We also borrow from wealth management's playbook: schedule annual reviews, diarise protection follow-ups, and turn single transactions into long-term stewardship. This shift from order taking to ongoing advice is how you defend your client book and make Consumer Duty a competitive edge.If you're thinking about firm value, we get practical: build a GI book with renewal stickiness, move part of your protection commission to non-indemnity for recurring income, and create a simple, consistent 12-month client communication plan. Buyers pay for predictability, not personalities. We share a starter framework for new and evolving brokerages—pick two or three defensible specialisms, treat your website and social as a clear shop window, invest in systems that record meaningful data, and commit to product density so every mortgage links to protection, GI, and signposted wealth support.Underneath it all is a simple discipline: when you're at work, do the work that moves the business. Technology will help, but the decision to diversify, specialize, and show up for clients is yours. If you're ready to build a firm that lasts, hit play, subscribe for more straight-talking strategy, and tell us: what's the first change you'll make this quarter?I help employed mortgage brokers go self-employed with clarity, confidence and one-to-one mentoring. Find out how Pathways or Coaching works at craigskelton.co.uk The Broker Foundry – Where Mortgage Brokers Become Business Owners Subscribe on YouTube: https://www.youtube.com/@TheBrokerFoundry #mortgagebroker #mortgagebrokers #mortgagebrokeruk #mortgagebrokercoaching #coaching #mortgagebrokerage #mortgagebrokerbusiness #mortgagebrokermarketing #mortgagebrokertips #mortgageadvisor #mortgageadviser #mortgagecoach ...

Long history of Fellowship of Christian Athletes chapters in Gainesville supporting local schools' programs with Attorney Bill Allen. The FCA banquet this year features Gator basketball star Patrick Young

Welcome to the award-winning FCPA Compliance Report, the longest-running podcast in compliance. In this episode, we replay a recent webinar Tom Fox participated in, hosted by EQS. The panel moderator was Steph Holmes, and the panelists were Tom Fox, Mary Shirley, and Matt Kelly. The session focuses on six key 2026 trends for ethics and compliance programs: (1) AI moving from experimentation to operational use, emphasizing deliberate scaling, human-in-the-loop oversight, governance frameworks, monitoring, and managing “shadow AI,” with practical use cases such as policy chatbots, gift/travel/entertainment reviews, and AI-enabled third-party risk lifecycle management; (2) enforcement “volatility” and unpredictable regulatory signals, with emphasis on returning to fundamentals such as documenting program inputs and outcomes, and noting continued activity, including record FCA resolutions and a DOJ whistleblower program award leading to a rapid antitrust settlement; (3) shifting employer–employee dynamics, including Gartner survey findings that 40% of employees would intentionally miss a compliance requirement to harm their organization, discussion of trust, employee sentiment, multi-generational communication differences, and the need to partner with HR while staying within organizational lanes; (4) heightened third-party and supply chain risk expectations, including cybersecurity, tariffs/tariff evasion, export controls, and the need to unify siloed risk views into a holistic third-party risk assessment; (5) anticipated increases in whistleblowing and investigation demands amid volatility, highlighting the importance of preventing retaliation, keeping reporters feeling heard through responsive communications, triage protocols, and anonymized case examples to build trust; and (6) measuring program effectiveness through a shift from outputs to outcomes, including reviewing KPIs and key risk indicators, peer review of investigations, hotline “mystery shopping,” and gap analyses against the DOJ's ECCP and compliance program hallmarks, with special emphasis on third-party documentation and ongoing monitoring. Resources: Mary Shirley on LinkedIn Steph Holmes on LinkedIn Matt Kelly at Radical Compliance EQS Tom Fox Instagram Facebook YouTube Twitter LinkedIn Returning to Venezuela on Amazon.com Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of V-FM Pensions, Darren and Nico chat through their thoughts on the FCA and TPR's latest consultation on value for money (CP 26/1). In a must listen episode for anyone developing their response to the consultation, the duo's personal thoughts (not those of their employers...) include: This isn't Value for Money it's a performance regime: The consultation has morphed into a capital-performance test with a costs add-on. Most of the “value” bits (service, engagement, member outcomes) have been kicked into the long grass. It risks sabotaging the retirement-income agenda: Government wants schemes to deliver better retirement outcomes, but the VFM framework measures success like everyone's just cashing out. That's a recipe for schemes doing the wrong thing in the run-up to retirement. The penalties are so harsh they'll force providers to copy each other: Nobody is going to take investment risk, innovate, or deviate from the herd. The safest strategy becomes: hug the benchmark Mansion House and VFM are pulling in opposite directions: Policy says: invest in private markets and the UK economy. VFM says: don't you dare underperform your peers. Put those together and you get one outcome: providers won't touch the assets government wants them to buy. Costs and charges are still a mess, just with nicer spreadsheets: The consultation tries to build credibility through multiple “net” performance numbers, but exemptions, hidden costs, and inconsistent definitions mean the figures still won't add up in the real world. The whole thing dodges the real problem... people aren't saving enough: VFM is starting to look like the policy equivalent of jangling keys in front of a baby, distracting everyone from the uncomfortable truth that adequacy and contributions matter more than almost anything in the framework.

Welcome to episode 224 of the Financial Crime Weekly Podcast. I am Chris Kirkbride. In this episode, the US Treasury has sanctioned a Hizballah-linked gold and shipping network operating across the Middle East and Russia, alongside a $1.72 million OFAC fine against IMG Academy for tuition-related violations of Mexican counternarcotics sanctions. In the UK, the FCA's first-ever enforcement action against a global crypto exchange, HTX, for illegal UK promotions, while Transparency International warns that the UK's new Representation of the People Bill still allows "mega-donors" to exert outsized political influence. We also look at the UK SFO's conclusion that legacy e-discovery technical issues have not compromised past convictions, and the UK leads a 2,500-person multinational cyber-defence exercise in Singapore. Finally, we look at the alarming weaponisation of AI in cyber-espionage, highlighting a sophisticated campaign by state-sponsored hackers which marks an historic shift toward machine-speed autonomous attacks.A transcript of this podcast, with links to the stories, will be available at www.crimes.financial.

 I am the second oldest of the five Moreno brothers. I have been married to my bride for 14 years. I currently serve as a Chaplain Assistant in the Idaho Air National Guard, run a furniture restoration business with my wife, and also am a director of a non-profit I started serving the community of Boise State University.The Fellowship of Christian Athletes' exciting local radio program, Heart of the Athlete, airs Saturdays at 9:30 am MST on 94.5 FM and 790 AM Boise's Solid Talk. The show is hosted by local FCA Director, Ken Lewis. This program is a great opportunity to listen to local athletes and coaches share their lives, combining sports with their faith in Jesus Christ each week!Our relationships will demonstrate steadfast commitment to Jesus Christ and His Word through Integrity, Serving, Teamwork and Excellence.NNU Box 3359 623 S University Blvd Nampa, ID 83686 United States (208) 697-1051 klewis@fca.orghttps://www.fcaidaho.org/Podcast Website: https://www.790kspd.com/podcast-heart-of-the-athlete/

One of the most senior former Conservative defectors to Reform UK has said she is happy if the party pursues socialist policies ;like nationalising failing parts of the British economy.Former Tory Home Secretary Suella Braverman also said she was yet to receive a personal apology from Tory leader Kemi Badenoch after the party wrongly suggested she had mental health issues before she defected.Braverman was speaking as Reform UK leader Nigel Farage prepares to hand out spokesman roles to his team of seven MPs early next week as the party tries to present itself as a credible party of government.Reform has been criticised by those on the right of politics for backing left wing policies such as nationalising parts of the UK steel industry and lifting the two child benefit cap for some Britons. However Braverman told GB News' Chopper's Political Podcast she was not troubled by this.Asked if she were "happy" if her party pursued "socialist" policies, she said: "I am actually. So I think there's actually a case for - if we are serious about industrializing our country and a renaissance of our industry - state involvement in our industries."Our heavy industries have been abandoned and unable to compete against a more powerful and ascendant East. And so I do think there is a very strong case. "The benefit will be more jobs. The benefit will be more growth for our economy. And I do think that radical thinking needs to be put in place."Beat the system with TallyMoney. Gold you can spend. Discover more here: https://click.tallymoney.com/A64P/df08xa5e #adThe purchase of gold and investment in bullion is not FCA regulated nor do they benefit from the protections of the Financial Services Compensation Scheme or the Financial Ombudsman Service. The value of your investment can go down as well as up. Consider the risks involved before choosing to invest. This card is issued by Transact Payments Limited pursuant to licence by Mastercard International Incorporated Hosted on Acast. See acast.com/privacy for more information.

It's a new year and there have been several new developments on the fraud and abuse front. The Department of Justice has a new division that will be focusing specifically on fraud. Given the recent activities of the DOJ and the OIG, health care organizations are sure to be in the crosshairs of government scrutiny. Among other things, provider enrollment procedures are likely to tighten up and take longer. And the enforcement agencies and whistleblowers continue to bring False Claims Act cases based on the Stark Law, although the constitutionality of the qui tam provisions of the FCA is being challenged in the Courts. Join Dan Mulholland and Henry Casale for this informative update in which they will review these developments and suggest some things you can do to minimize compliance risks in the upcoming months.

Welcome to episode 223 of the Financial Crime Weekly Podcast. I am Chris Kirkbride. In this episode, the major story is the stark warning from Transparency International's 2025 Corruption Perceptions Index, which highlights a global decline in public sector integrity and significant backsliding in established democracies like the UK and US. In sanctions enforcement, the US has designated a network of 14 "shadow fleet" vessels and multiple entities involved in trading Iranian oil, while the EU prepares its 20th sanctions package. We also examine the UK's launch of a world-first framework to identify gaps in deepfake detection, alongside a warning from Google that state-sponsored hackers are increasingly targeting individual defence-sector employees via personalised phishing. Finally, we cover the federal indictment of a US Department of Defense employee for allegedly laundering millions for an overseas fraud network, the FCA's latest fines for insider dealing, and the launch of OFAC's new online portal to streamline voluntary self-disclosures.A transcript of this podcast, with links to the stories, will be available at www.crimes.financial.

The Fellowship of Christian Athletes' exciting local radio program, Heart of the Athlete, airs Saturdays at 9:30 am MST on 94.5 FM and 790 AM Boise's Solid Talk. The show is hosted by local FCA Director, Ken Lewis. This program is a great opportunity to listen to local athletes and coaches share their lives, combining sports with their faith in Jesus Christ each week!Our relationships will demonstrate steadfast commitment to Jesus Christ and His Word through Integrity, Serving, Teamwork and Excellence.NNU Box 3359 623 S University Blvd Nampa, ID 83686 United States (208) 697-1051 klewis@fca.orghttps://www.fcaidaho.org/Podcast Website: https://www.790kspd.com/podcast-heart-of-the-athlete/

Der FC Bayern hat in der Liga zuletzt zweimal Punkte gelassen. Woran liegt das? Und warum sollte der FCB ein erneutes Stolpern tunlichst vermeiden? kicker-Reporter Frank Linkesch kennt die Antworten. Außerdem: Der FC Augsburg klettert immer weiter aus dem Tabellenkeller. Wir klären, welche Vorteile der FCA im Abstiegskampf gegenüber der Konkurrenz hat.

In this episode of Insurance Bites, Greig Anderson, Partner, and Sarah Irons, Knowledge Counsel, from the Insurance & Professional Risks team, look at key developments impacting policyholders and the risks they face in the coming months. Topics explored include cyber risks and AI, evolving liability exposures (including changes to product liability legislation, PFAS and what is new in climate change related litigation), developments relevant to D&O cover, Government proposals on captives and SME terrorism cover. Below you can find links to our blog posts on the developments and cases covered in this podcast: • HSF Kramer AI Tracker – Tracking AI law and policy globally https://www.hsfkramer.com/insights/reports/ai-tracker • UK government looks set to introduce ransomware payment ban and mandatory reporting https://www.hsfkramer.com/notes/cybersecurity/2025-posts/uk-government-looks-set-to-introduce-ransomware-payment-ban-and-mandatory-reporting • Major changes to UK Cyber Legislation: Cyber Security and Resilience Bill published in UK Parliament https://www.hsfkramer.com/notes/cybersecurity/2025-posts/major-changes-to-uk-cyber-legislation-cyber-security-and-resilience-bill-published-in-uk-parliament • UK Jurisdiction Taskforce consults on draft legal statement on liability for AI harms https://www.hsfkramer.com/notes/litigation/2026-01/uk-jurisdiction-taskforce-consults-on-draft-legal-statement-on-liability-for-ai-harms • UK Insurance Regulation: looking ahead to 2026 https://www.hsfkramer.com/notes/insurance/2026-posts/uk-insurance-regulation-looking-ahead-to-2026 • Modernising the redress system: Fair and reasonable changes? https://www.hsfkramer.com/notes/fsrandcorpcrime/2025-posts/modernising-the-redress-system-fair-and-reasonable-changes • Lliuya v. RWE – Landmark German ruling recognising potential liability in principle of a local emitter for climate change harms in a foreign jurisdiction https://www.hsfkramer.com/notes/esg/2025-posts/lliuya-v-rwe-landmark-german-ruling-recognising-potential-liability-in-principle-of-a-local-emitter-for-climate-change-harms-in-a-foreign-jurisdiction • Milieudefensie Takes Legal Action Against ING Over Climate Impact https://www.hsfkramer.com/notes/esg/2025-posts/milieudefensie-takes-legal-action-against-ing-over-climate-impact • High Court allows case to proceed against defendant companies domiciled in England despite claims having more real and substantial connection with Brazil https://www.hsfkramer.com/notes/litigation/2025-03/high-court-allows-case-to-proceed-against-defendant-companies-domiciled-in-england-despite-claims-having-more-real-and-substantial-connection-with-brazil • Preliminary update in case regarding Shell responsibility for legacy oil pollution in Nigeria https://www.hsfkramer.com/notes/esg/2025-posts/preliminary-update-in-case-regarding-shell-responsibility-for-legacy-oil-pollution-in-nigeria • FCA advances next steps on non-financial misconduct https://www.hsfkramer.com/notes/fsrandcorpcrime/2025-posts/fca-advances-next-steps-on-non-financial-misconduct • Capital markets – new UK prospectus regime in force from 19 January https://www.hsfkramer.com/notes/corporate/2026-posts/capital-markets-new-uk-prospectus-regime-in-force-from-19-january?utm_source=email&utm_medium=email&utm_campaign=vuture

ASK A QUESTION – TELL A STORY – CONNECT WITH US ______________________________________________________________ This week on Beyond Sunday, Paxton Redd, Evan Ryan, Josh Hensley, and Michael Shearon gather around the table to unpack Sunday's message on pride and humility, with plenty of laughter and real-life stories along the way. From snow-shoveling injuries and driveway disasters to a fun game of “I Got This or That's Not Me,” the conversation disarms listeners while revealing how pride often shows up in subtle, everyday moments. The group reflects on how confidence, competence, and humility can blur together—and how wisdom sometimes means knowing when to step up and when to bow low. Evan recaps his sermon from Luke 18, contrasting the Pharisee and the tax collector and highlighting three core truths: be honest about your condition, do nothing out of performance, and stay low before God. The discussion deepens as the team explores false humility, conflict, and why our posture before God shapes how we treat others. The episode closes with encouragement around what God is doing in the next generation through FCA, student ministry, and young adults—reminding listeners that humility isn't self-deprecation, but rightly placing God at the center of everything.

Der FC St. Pauli verliert auch auswärts beim FC Augsburg. Ein Podcast über Chancen, Wahlplakate, eine Vereinslegende und den Blick nach vorn.

Dominic Jacobson, Senior Equity Analyst in EFG Asset Management's US Growth Equity team unpacks whether tech bubble fears are misplaced, and why compute power and energy availability may in fact be keeping excess in check. Also featured are geopolitical competition, open-source versus closed-source models and what could be the next big untapped opportunity in tech.Our host, Moz Afzal:https://bit.ly/31XbkTROur guest:Dominic Jacobsonhttps://bit.ly/4taOiV2EFGAM:https://www.newcapital.com/Important disclaimersThe value of investments and the income derived from them can fall as well as rise, and past performance is no indicator of future performance. Investment products may be subject to investment risks involving, but not limited to, possible loss of all or part of the principal invested. This document does not constitute and shall not be construed as a prospectus, advertisement, public offering or placement of, nor a recommendation to buy, sell, hold or solicit, any investment, security, other financial instrument or other product or service. It is not intended to be a final representation of the terms and conditions of any investment, security, other financial instrument or other product or service. This document is for general information only and is not intended as investment advice or any other specific recommendation as to any particular course of action or inaction. The information in this document does not take into account the specific investment objectives, financial situation or particular needs of the recipient. You should seek your own professional advice suitable to your particular circumstances prior to making any investment or if you are in doubt as to the information in this document.Although information in this document has been obtained from sources believed to be reliable, no member of the EFG group represents or warrants its accuracy, and such information may be incomplete or condensed. Any opinions in this document are subject to change without notice. This document may contain personal opinions which do not necessarily reflect the position of any member of the EFG group. To the fullest extent permissible by law, no member of the EFG group shall be responsible for the consequences of any errors or omissions herein, or reliance upon any opinion or statement contained herein, and each member of the EFG group expressly disclaims any liability, including (without limitation) liability for incidental or consequential damages, arising from the same or resulting from any action or inaction on the part of the recipient in reliance on this document.The availability of this document in any jurisdiction or country may be contrary to local law or regulation and persons who come into possession of this document should inform themselves of and observe any restrictions. This document may not be reproduced, disclosed or distributed (in whole or in part) to any other person without prior written permission from an authorised member of the EFG group.This document has been produced by EFG Asset Management (UK) Limited for use by the EFG group and the worldwide subsidiaries and affiliates within the EFG group. EFG Asset Management (UK) Limited is authorised and regulated by the UK Financial Conduct Authority, registered no.7389746. Registered address: EFG Asset Management (UK) Limited, 116 Park Street, London W1K 6AP, United Kingdom, telephone +44 (0)207 491 9111.Independent Asset Managers: in case this document is provided to Independent Asset Managers (“IAMs“), it is strictly forbidden to be reproduced, disclosed or distributed (in whole or in part) by IAMs and made available to their clients and/or third parties. By receiving this document IAMs confirm that they will need to make their own decisions/judgements about how to proceed and it is the responsibility of IAMs to ensure that the information provided is in line with their own clients' circumstances with regard to any investment, legal, regulatory, tax or other consequences. No liability is accepted by EFG for any damages, losses or costs (whether direct, indirect or consequential) that may arise from any use of this document by the IAMs, their clients or any third parties.If you have received this document from any affiliate or branch referred to below, please note the following:Australia: This document has been prepared and issued by EFG Asset Management (UK) Limited, a private limited company with registered number 7389746 and with its registered office address at 116 Park Street, London W1K 6AP (telephone number +44 (0)207 491 9111). EFG Asset Management (UK) Limited is regulated and authorized by the Financial Conduct Authority No. 536771. EFG Asset Management (UK) Limited is exempt from the requirement to hold an Australian financial services licence in respect of the financial services it provides to wholesale clients in Australia and is authorised and regulated by the Financial Conduct Authority of the United Kingdom (FCA Registration No. 536771) under the laws of the United Kingdom which differ from Australian laws.ASIC Class Order CO03/1099EFG Asset Management (UK) Limited notifies you that it is relying on the Australian Securities & Investments Commission (ASIC) Class Order CO03/1099 (Class Order) exemption (as extended in operation by ASIC Corporations (Repeal and Transitional Instrument 2016/396) for UK Financial Conduct Authority (FCA) regulated firms which exempts it from the requirement to hold an Australian financial services licence (AFSL) under the Corporations Act 2001 (Cth) (Corporations Act) in respect of the financial services we provide to you.The financial services that we provide to you are regulated by the FCA under the laws and regulatory requirements of the United Kingdom which are different to Australia. Consequently any offer or other documentation that you receive from us in the course of us providing financial services to you will be prepared in accordance with those laws and regulatory requirements. The UK regulatory requirements refer to legislation, rules enacted pursuant to the legislation and any other relevant policies or documents issued by the FCA.Your Status as a Wholesale ClientIn order that we may provide financial services to you, and for us to comply with the Class Order, you must be a ‘wholesale client' within the meaning given by section 761G of the Corporations Act. Accordingly, by accepting any documentation from us prior to the commencement of or in the course of us providing financial services to you, you:• warrant to us that you are a ‘wholesale client';• agree to provide such information or evidence that we may request from time to time to confirm your status as a wholesale client;• agree that we may cease providing financial services to you if you are no longer a wholesale client or do not provide us with information or evidence satisfactory to us to confirm your status as a wholesale client; and• agree to notify us in writing within5 business days if you cease to be a ‘wholesale client' for the purposes of the financial services that we provide to you.Bahamas: EFG Bank & Trust (Bahamas) Ltd. is licensed by the Securities Commission of the Bahamas pursuant to the Securities Industry Act, 2011 and Securities Industry Regulations, 2012 and is authorised to conduct securities business in and from The Bahamas including dealing in securities, arranging dealing in securities, managing securities and advising on securities. EFG Bank & Trust (Bahamas) Ltd. is also licensed by the Central Bank of The Bahamas pursuant to the Banks and Trust Companies Regulation Act, 2000 as a Bank and Trust company. Registered office: Goodman‘s Bay Corpor...

Jes Staley, the former CEO of Barclays, saw roughly £22 million in bonuses and deferred compensation frozen in 2022 as regulators dug into his ties to Jeffrey Epstein. The freeze included unvested share payouts and long-term incentive plans that Staley had been promised but had not yet received. The Financial Conduct Authority (FCA) and Prudential Regulation Authority (PRA) launched their review after concerns emerged over how Staley characterized his personal relationship with Epstein, a man whose reputation was already well-tarnished by his 2008 sex-offense conviction. The decision marked a significant step for Barclays, signaling just how seriously the bank's board and regulators were taking any whiff of reputational risk tied to Epstein.The matter didn't end with the freeze. In 2023, the FCA moved to ban Staley from holding senior positions in the UK financial industry, citing his misleading accounts of the Epstein connection. Alongside the ban, regulators initially proposed a £1.8 million fine, which was later reduced to about £1.1 million. Staley ultimately forfeited around £18 million in bonuses and deferred pay. For a man who had once been a Wall Street heavyweight, it was a public and financial fall from grace that demonstrated the long shadow Epstein's scandal continues to cast over those in his orbit.to contact me:bobbycapucci@protonmail.comsource:https://www.wsj.com/articles/barclays-profit-falls-on-slowdown-in-investment-banking-11645603658Become a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

The Fellowship of Christian Athletes' exciting local radio program, Heart of the Athlete, airs Saturdays at 9:30 am MST on 94.5 FM and 790 AM Boise's Solid Talk. The show is hosted by local FCA Director, Ken Lewis. This program is a great opportunity to listen to local athletes and coaches share their lives, combining sports with their faith in Jesus Christ each week!Our relationships will demonstrate steadfast commitment to Jesus Christ and His Word through Integrity, Serving, Teamwork and Excellence.NNU Box 3359 623 S University Blvd Nampa, ID 83686 United States (208) 697-1051 klewis@fca.orghttps://www.fcaidaho.org/Podcast Website: https://www.790kspd.com/podcast-heart-of-the-athlete/

Felicity Hannah discusses rising water bills, and the FCA's new fraud-checker. Further from home, Prime Minister Keir Starmer meets President Xi Jinping in China.

Neil Austin of Xeros Technology: This Technology Should Feature in Every Washing MachineXeros Technology was recognized for its innovation by TIME magazine, which named its technology one of the "Best Inventions" in 2010.Whilst it has taken a long time to commercialise this technology, it is as relevant (arguably more so) in today's world as it was in 2010.Its IP protected tech can reduce water usage by up to 80%, energy & chemical consumption by up to 50% plus it can also improve a garments lifecycle by 100%.Why this company is worth researching now is because they have just raised money which could take them to profitability and have also signed a significant contract with a major washing machine manufacturer (in the top 10 of the world and are in discussions with 3 others).To find out more about Xeros Technology #XSG visit their website:https://xerostech.com/Nothing in the podcast should be considered as investment advice. All content is for information purposes only. Please seek investment advice from an FCA regulated advisor. To find out more about the Sharepickers Investment Club visit:https://www.sharepickers.com/

Lemon Law lawyer Michelle Fonseca-Kamana discusses the seismic shifts in California lemon law—from the Supreme Court's decision in Rodriguez v. FCA US LLC (October 31, 2024) 17 Cal.5th 189 that effectively eliminated most used car claims, to the explosion in case filings (from 4,500 in 2015 to over 22,000 in 2023), to new legislative reforms under AB 1755 and SB 26 that impose strict timelines and mandatory pre-suit notice requirements.Michelle also shares how she pivoted from in-person networking to social media marketing during the pandemic, built a practice around one-way fee-shifting statutes, and navigates the asymmetric litigation battlefield against billion-dollar manufacturers.Highlights:Rodriguez v. FCA's impact on used-car protections: The Court limited manufacturer liability to certified pre-owned vehicles, leaving used-car buyers without recourse even when cars remain under manufacturer warranty.Why lemon law filings quintupled: Despite expectations that Rodriguez would reduce litigation, filings increased fivefold (2015-2023) due to declining vehicle quality, PI firm diversification, and political headwinds.New procedural requirements under AB 1755 and SB 26: Effective 2025, consumers must send pre-suit demand letters, wait 30 days, retain the vehicle, meet hard deadlines (one year after warranty expiration or six years from delivery), and navigate an "opt-in" system.One-way fee-shifting as equalizer: Song-Beverly allows consumers to bring claims without paying fees—manufacturers pay all costs if consumers prevail.Social media as practice-builder: Michelle built her practice through bilingual video content on Instagram, TikTok, and YouTube, generating clients and referrals without traditional marketing.Documentation mistakes: The biggest error is failing to keep itemized repair orders and contemporaneous complaints—gaps that become fatal under new requirements.Tune in for insights on asymmetric consumer litigation, the intersection of statutory interpretation and real-world consequences, and how procedural reforms quietly reshape substantive rights.

The High Court issued judgment (in two parts) dismissing a Claims Management Company's judicial review application against the FCA. The judicial review sought to quash the FCA's decision to identify the firm in its announcement regarding the commencement of an investigation. Jon Ford, James Wood, and Michael Tan discuss the judgment and what it has to say about the "exceptional circumstances" test that the FCA will apply when deciding whether to identify firms under investigation. The judgment can be found here (Part 1): https://www.bailii.org/ew/cases/EWHC/Admin/2025/2614.html and here (Part 2): https://www.bailii.org/ew/cases/EWHC/Admin/2025/2615.html, and our blog post on the judgment can be found here: https://www.hsfkramer.com/notes/publiclaw/2025-posts/high-court-dismisses-challenge-to-naming-announcement-by-the-fca.

Join Kristian McCann, host at UC Today, as he sits down with Chris Reed, Head of Product and Technology at Wordwatch, to discuss how phased, risk-free data migration protects compliance and unlocks operational value.Communication data migration in regulated financial sectors is often seen as risky and resource-intensive, and Reed dives deep into why legacy data formats, metadata preservation, and regulatory compliance make migrations daunting. Reed explains how approaches like Wordwatch's, with a phased, controlled approach, mitigates the fear and the risk by ensuring zero modification to original records, maintaining their integrity and audit trails throughout. Key points include:The paramount risk of data loss or corruption during migration, especially preserving metadata such as retention and legal holds, which is crucial for compliance with regulators like FINRA and FCA.Common pitfalls financial institutions face, including budget constraints and the complexity of handling legacy codecs that modern systems struggle to support.Wordwatch's solution: migrating metadata first, preserving original call recordings unchanged, and providing continuous validation to guarantee the completeness and authenticity of data.The benefits of consolidating legacy and live data into a single, secure archive, enabling rapid searches, easing regulatory response times, breaking vendor lock-in, and unlocking insights from communication data.Explore how Wordwatch's phased migration strategy can be tailored to your organization's legacy systems by visiting https://wordwatch.io/.

The Fellowship of Christian Athletes' exciting local radio program, Heart of the Athlete, airs Saturdays at 9:30 am MST on 94.5 FM and 790 AM Boise's Solid Talk. The show is hosted by local FCA Director, Ken Lewis. This program is a great opportunity to listen to local athletes and coaches share their lives, combining sports with their faith in Jesus Christ each week!Our relationships will demonstrate steadfast commitment to Jesus Christ and His Word through Integrity, Serving, Teamwork and Excellence.NNU Box 3359 623 S University Blvd Nampa, ID 83686 United States (208) 697-1051 klewis@fca.orghttps://www.fcaidaho.org/Podcast Website: https://www.790kspd.com/podcast-heart-of-the-athlete/

In this January wrap up edition of the public law podcast, Jasveer Randhawa is joined by HSF Kramer partners Nusrat Zar and James Wood. Together, they discuss the extent to which a contractual context limits the scope of judicial review by reference to the case of Rydon Group Holdings, before delving into a challenge brought under the European Convention on Human Rights in Greenpeace Nordic v Norway. They then touch on the second subsidy control case brought to the Competition Appeal Tribunal since the introduction of the Subsidy Control Act 2022. To conclude, they discuss the FCA's approach to publicity surrounding investigations in CIT v FCA, and the Court of Appeal's clarification of the compensation rights available under the National Security and Investment Act 2021 where national security interventions interfere with property rights. Speakers: Jasveer Randhawa (Knowledge Counsel), Nusrat Zar (Partner), and James Wood (Partner). You can find out more about the cases covered in this podcast on our blog at the following links: Contractual context limits scope of judicial review – but where does it leave us? https://www.hsfkramer.com/notes/publiclaw/2025-posts/contractual-context-limits-scope-of-judicial-review European Court of Human Rights adds to growing body of climate change caselaw https://www.hsfkramer.com/notes/publiclaw/2025-posts/european-court-of-human-rights-adds-to-growing-body-of-climate-change-caselaw New insights into legal challenges under the Subsidy Control Act 2022 https://www.hsfkramer.com/notes/publiclaw/2025-posts/new-insights-into-legal-challenges-under-the-subsidy-control-act-2022 High Court dismisses challenge to Naming Announcement by the FCA https://www.hsfkramer.com/notes/publiclaw/2025-posts/high-court-dismisses-challenge-to-naming-announcement-by-the-fca Court of Appeal clarifies compensation rights under the National Security and Investment Act 2021 https://www.hsfkramer.com/notes/publiclaw/2025-posts/court-of-appeal-clarifies-compensation-rights-under-the-national-security-and-investment-act-2021

Send me a text and please visit www.livefrommydrumroom.com Celebrating the 50th Anniversary of the iconic album "Frampton Comes Alive" released January 15, 1976, with legendary FCA bassist, Stanley Sheldon. Stanley takes us back to his audition and joining Peter Frampton's band in early 1975, going on tour and ultimately recording this live masterpiece. He also shares stories and insights from his many years with Peter. So come along for the ride, and please subscribe! Check out E137 TrackTalk With Stanley Sheldon for a deep dive into "Do You Feel Like We Do" https://youtu.be/yGccpJoPIOA?si=8Cfiy0HyCnW9JMhY Live From My Drum Room T-shirts and Hoodies are now available! 100% of the proceeds go toward my PAS scholarship. Visit https://livefrommydrumroom.com for details! Live From My Drum Room With John DeChristopher! is a series of conversations with legendary drummers and Music Industry icons, hosted by drummer and music industry veteran, John DeChristopher, drawing from his five decades in the Music Industry. Created in 2020, and ranked BEST Drum Podcast, "Live From My Drum Room With John DeChristopher!" gives the audience an insider's view that only John can offer. And no drummers are harmed on any shows! Please subscribe!https://livefrommydrumroom.comwww.youtube.com/c/JohnDeChristopherLiveFromMyDrumRoom

For more information on the Franklin, TN chapter of the New Canaan Society, go here: https://newcanaansociety.org/franklin/ Have you ever felt like you knew what life with God was all about? Have you ever been surprised by His voice disrupting everything you thought you knew—inviting you deeper? Bryan Josey went from playing football at Vanderbilt to leading in his community, including serving as chairman of the board for FCA in Rutherford County. After decades of leadership, 29 years of marriage, and two grown sons, Bryan's story—and his walk with God—are still developing. It's a powerful reminder that faith and purpose don't stop when life feels successful or comfortable. Bryan is passionate about men's ministry, so come ready to be encouraged, challenged, and connected with other men chasing the same thing—a life that matters.

This week DJ got to sit down with Melissa Chesterfield and Melissa Midkiff. They both volunteer as leaders with FCA in Shelby County schools, and they talked about why they said yes to that opportunity, how they've seen students' lives change through FCA and what the Lord is teaching them as they continue to step out in serving others.So, let's listen in as Melissa and Melissa get to share their story.

In the second episode of this three-part series, EFG International CEO Giorgio Pradelli reflects on successful engagement with investors, long-term strategy, and the discipline required to deliver consistent, compounding growth in global wealth management. From the importance of setting the course to aligning 40 locations worldwide, Giorgio shares how clear vision, execution and people underpin EFG's success.Our host, Moz Afzal:https://bit.ly/31XbkTROur guest:Giorgio Pradelli, CEO EFG Internationalhttp://bit.ly/40q19WKEFGAM:https://www.newcapital.com/Important disclaimersThe value of investments and the income derived from them can fall as well as rise, and past performance is no indicator of future performance. Investment products may be subject to investment risks involving, but not limited to, possible loss of all or part of the principal invested. This document does not constitute and shall not be construed as a prospectus, advertisement, public offering or placement of, nor a recommendation to buy, sell, hold or solicit, any investment, security, other financial instrument or other product or service. It is not intended to be a final representation of the terms and conditions of any investment, security, other financial instrument or other product or service. This document is for general information only and is not intended as investment advice or any other specific recommendation as to any particular course of action or inaction. The information in this document does not take into account the specific investment objectives, financial situation or particular needs of the recipient. You should seek your own professional advice suitable to your particular circumstances prior to making any investment or if you are in doubt as to the information in this document.Although information in this document has been obtained from sources believed to be reliable, no member of the EFG group represents or warrants its accuracy, and such information may be incomplete or condensed. Any opinions in this document are subject to change without notice. This document may contain personal opinions which do not necessarily reflect the position of any member of the EFG group. To the fullest extent permissible by law, no member of the EFG group shall be responsible for the consequences of any errors or omissions herein, or reliance upon any opinion or statement contained herein, and each member of the EFG group expressly disclaims any liability, including (without limitation) liability for incidental or consequential damages, arising from the same or resulting from any action or inaction on the part of the recipient in reliance on this document.The availability of this document in any jurisdiction or country may be contrary to local law or regulation and persons who come into possession of this document should inform themselves of and observe any restrictions. This document may not be reproduced, disclosed or distributed (in whole or in part) to any other person without prior written permission from an authorised member of the EFG group.This document has been produced by EFG Asset Management (UK) Limited for use by the EFG group and the worldwide subsidiaries and affiliates within the EFG group. EFG Asset Management (UK) Limited is authorised and regulated by the UK Financial Conduct Authority, registered no.7389746. Registered address: EFG Asset Management (UK) Limited, 116 Park Street, London W1K 6AP, United Kingdom, telephone +44 (0)207 491 9111.Independent Asset Managers: in case this document is provided to Independent Asset Managers (“IAMs“), it is strictly forbidden to be reproduced, disclosed or distributed (in whole or in part) by IAMs and made available to their clients and/or third parties. By receiving this document IAMs confirm that they will need to make their own decisions/judgements about how to proceed and it is the responsibility of IAMs to ensure that the information provided is in line with their own clients' circumstances with regard to any investment, legal, regulatory, tax or other consequences. No liability is accepted by EFG for any damages, losses or costs (whether direct, indirect or consequential) that may arise from any use of this document by the IAMs, their clients or any third parties.If you have received this document from any affiliate or branch referred to below, please note the following:Australia: This document has been prepared and issued by EFG Asset Management (UK) Limited, a private limited company with registered number 7389746 and with its registered office address at 116 Park Street, London W1K 6AP (telephone number +44 (0)207 491 9111). EFG Asset Management (UK) Limited is regulated and authorized by the Financial Conduct Authority No. 536771. EFG Asset Management (UK) Limited is exempt from the requirement to hold an Australian financial services licence in respect of the financial services it provides to wholesale clients in Australia and is authorised and regulated by the Financial Conduct Authority of the United Kingdom (FCA Registration No. 536771) under the laws of the United Kingdom which differ from Australian laws.ASIC Class Order CO03/1099EFG Asset Management (UK) Limited notifies you that it is relying on the Australian Securities & Investments Commission (ASIC) Class Order CO03/1099 (Class Order) exemption (as extended in operation by ASIC Corporations (Repeal and Transitional Instrument 2016/396) for UK Financial Conduct Authority (FCA) regulated firms which exempts it from the requirement to hold an Australian financial services licence (AFSL) under the Corporations Act 2001 (Cth) (Corporations Act) in respect of the financial services we provide to you.The financial services that we provide to you are regulated by the FCA under the laws and regulatory requirements of the United Kingdom which are different to Australia. Consequently any offer or other documentation that you receive from us in the course of us providing financial services to you will be prepared in accordance with those laws and regulatory requirements. The UK regulatory requirements refer to legislation, rules enacted pursuant to the legislation and any other relevant policies or documents issued by the FCA.Your Status as a Wholesale ClientIn order that we may provide financial services to you, and for us to comply with the Class Order, you must be a ‘wholesale client' within the meaning given by section 761G of the Corporations Act. Accordingly, by accepting any documentation from us prior to the commencement of or in the course of us providing financial services to you, you:• warrant to us that you are a ‘wholesale client';• agree to provide such information or evidence that we may request from time to time to confirm your status as a wholesale client;• agree that we may cease providing financial services to you if you are no longer a wholesale client or do not provide us with information or evidence satisfactory to us to confirm your status as a wholesale client; and• agree to notify us in writing within5 business days if you cease to be a ‘wholesale client' for the purposes of the financial services that we provide to you.Bahamas: EFG Bank & Trust (Bahamas) Ltd. is licensed by the Securities Commission of the Bahamas pursuant to the Securities Industry Act, 2011 and Securities Industry Regulations, 2012 and is authorised to conduct securities business in and from The Bahamas including dealing in securities, arranging dealing in securities, managing securities and advising on securities. EFG Bank & Trust (Bahamas) Ltd. is also licensed by the Central Bank of The Bahamas pursuant to the Banks and Trust Companies Regulation Act, 2000 a...

Welcome to the award-winning FCPA Compliance Report, the longest-running podcast in compliance. In this inaugural episode of 2026, Tom Fox welcomes back his good friend and colleague, Mike Volkov, to reflect on the tumultuous year of 2025 and discuss the new trends for the upcoming year. This is Part 2 of a two-part series. This episode delves into the significance of the False Claims Act (FCA) as a critical tool for government enforcement, discussing its constitutionality and potential outcomes before the Supreme Court. The conversation expands to discuss how FCA applies across various areas, such as trade enforcement and tariffs, and how it encourages corporate whistleblowing. Additionally, the discussion highlights the growing role of technology, AI, and ChatGPT in compliance, as well as the risks associated with their use. Other focal points include the importance of conflict-of-interest programs and the impact of ethical conduct on marketplace dynamics. The episode underlines the growing scrutiny from financial institutions and private equity over compliance practices, as well as the long-term trend towards a more ethics-driven corporate culture. Key highlights: Supreme Court and Constitutionality Issues on the FCA Corporate Whistleblowers and DOJ's Stance Technology, AI, and Compliance Risks Conflict of Interest and Ethical Culture Marketplace Accountability and Corporate Reputation Financial Institutions and Due Diligence Resources: Mike Volkov on LinkedIn Volkov Law Group Tom Fox Instagram Facebook YouTube Twitter LinkedIn Learn more about your ad choices. Visit megaphone.fm/adchoices

samduke@fca.org | (503) 816-0794 Sammy has been involved with FCA Idaho as a volunteer for a couple of years! She came on staff with FCA in Idaho in the summer of 2025. She served as the Head Soccer Coach at the NW FCA Sports Camp in 2024. She played soccer collegiately at Northwest Nazarene University where she received her BA in Kinesiology/Health Education and then received her Masters in Ed Leadership in 2012. Sammy came to FCA with a 17 year teaching career. She has also coached a variety of sports for 20 years. She loves Jesus, family, sunsets and all things outdoors!If you would like to support Sammy, the link here will send you to support Ken Lewis, which will be supporting Sammy. Thank you!My Favorites - Spending time with the Lord,  exploring Idaho in her SxS! Watching her son compete in sports!  Camping, fishing, and exploring our beautiful state.The Fellowship of Christian Athletes' exciting local radio program, Heart of the Athlete, airs Saturdays at 9:30 am MST on 94.5 FM and 790 AM Boise's Solid Talk. The show is hosted by local FCA Director, Ken Lewis. This program is a great opportunity to listen to local athletes and coaches share their lives, combining sports with their faith in Jesus Christ each week!Our relationships will demonstrate steadfast commitment to Jesus Christ and His Word through Integrity, Serving, Teamwork and Excellence.NNU Box 3359 623 S University Blvd Nampa, ID 83686 United States (208) 697-1051 klewis@fca.orghttps://www.fcaidaho.org/Podcast Website: https://www.790kspd.com/podcast-heart-of-the-athlete/

Send us a textIn this episode of the Hodge Pack podcast, Hodge, Josh and Misti take a look at the growing carousel of NFL coaching jobs. Mike Tomlin step's down as the Pittsburgh Steelers head coach. What does this mean for the Steelers and the rest of the organizations in the NFL? The PGA Tour is welcoming LIV players back to the tour.The Department of Justice is investigating another college sports point shaving scandal. Misti opens her back with the question of, "If you were a candle what would the name and scent be?The NFL Divisional round is set to be an interesting and cold one. Josh Hardcastle with Big Country Athletics, joins the show to discuss the FCA All Star week. Hardcastle also discusses, how FCA is impacting lives throughout the Big Country.Support the show

If the stories are to be believed, and the first casualty of war is truth and all that, Venezuelan President Nicolas Maduro sent some 3.6 million ounces of gold - $16 billion in today's money - to Switzerland before 2017, when the EU brought sanctions against Venezuela.Switzerland last week froze his accounts and the accounts of some 36 others with close ties. We don't know how much money he had in them, or how many accounts there were, but the figure doing the rounds is $10 billion.It has also emerged that Tether has been freezing “wallets identified as being involved in the Venezuelan oil trade.” As much as 80% of Petroleos de Venezuela's oil revenue is believed to be transacted in tether. This could be a total figure in the billions too.We also know that Venezuela was mining bitcoin for many years - when the price was a lot lower - but we don't know what they did with the coins. Did they fall into Maduro's hands? Were they sold? Were they held?The number doing the rounds here that it owns 600,000 BTC (~$60 billion). That would put Venezuela up there with Michael Saylor and Strategy. It's three times the 198,000 coins the US government itself is said to own.There's a seed phrase I'd like to know. Where are the keys, I wonder?And where did the proceeds of Venezuela's enormous oil, gold and other natural resource exports end up, exactly? Only some of them we know. At this point we remind you that the Venezuelan currency itself - the bolivar - collapsed in hyperinflation and has little to no value. Beware national currencies, particularly under socialist regimes. They don't last.There are several things I take away from all of this.First, the US dollar - whether via SWIFT or stablecoin - remains the number one international currency of choice, even for America's enemies.Second, tether and other US dollar stablecoins might be convenient - you don't have to use banks - but Tether will do what the US government tells it to do, and if the government wants your assets frozen, Tether will freeze them.Stablecoins, then, have a central point of failure. If someone can freeze them, they are not sovereign. And just as the US froze Russian US dollar assets after its invasion of Ukraine, so can and will it freeze the stablecoin assets of its enemies too.What did that 2022 freezing of Russian assets trigger? The mother of all bull markets in gold, and then silver and miners.What will this freezing trigger? A bull market in bitcoin. Possibly. Likely.It's already creeping back up.While the US does its geo-political, strategic, critical minerals thing, quaint old Western Europe is sinking deeper into higher taxes and - I'm sure they're coming eventually - capital controls. In fact, capital controls already exist in effect, banks are so heavily regulated and limiting of what you can send and to whom.The value of permissionless, international money just went up.You need to own money that they can't touch, whether by seizure or debasement.Meanwhile …Gold and silver continue to go bananas - the latter especially.So many roads lead to gold at the moment, it's hard to see when this stops.The inevitable debasement of national currencies off the back of uncontrollable government spending. Gold. Dedollarisation. Gold. Increasing geo-political uncertainty - Iran, Venezuela. Gold. Reshoring of US industry - highly inflationary. Gold. Revaluation of US gold holdings. Gold. Looming crisis from Japan as yields spike. Gold. China's ambitions for its currency and trade. Gold. Triffin's dilemma. Gold. AI putting everyone out of work leading to more money printing. Gold. Declining competence of and as a result faith in institutions worldwide. Gold.The dollar has now fallen to a 40% share of global central bank reserves, while gold is now at 30% on the back of its higher price and central bank accumulation. (Note currency and reserves are not the same).We are in a major capital rotational event the like of which occurs only every few decades.Typical portfolios are still underweight gold.If you live in a Third World Country such as the UK, I urge you to own gold or silver. The pound is going to be further devalued. The bullion dealer I recommend is The Pure Gold Company. Pricing is competitive, quality of service is high. They deliver to the UK, US, Canada and Europe or you can store your gold with them. More here.Own bothAs regular readers will know, I advocate owning both bitcoin and gold. The two assets have many similarities in that they are non-government, independent money. But the fundamental difference is that one is physical and one is digital.Both have their uses, and I have little patience with this notion that one must choose one or the other.In that regard, as with many others, my worldview is aligned with that of Charlie Morris (whose newsletters I urge you to subscribe to. There are lots of free options, including Atlas Pulse, which I love). Remember many years ago Charlie was calling for $7,000 gold by the end of this decade and many thought he was dotty. His call is looking perfectly sensible now, which it was - and which he is. Charlie previously managed a multi-billion-dollar fund for HSBC, before going solo. Aside from his newsletter, one his main endeavours has been BOLD, and he has been trying to get it listed for years. But the UK's Financial Conduct Authority is retarded.BOLD is a fund you can buy through a broker which is 75% gold and 25% bitcoin - all properly audited and backed, of course, with institutional-grade custody.Over the past five years, BOLD has returned 186%, while bitcoin has returned 202%, gold 128%, and equities 77%. The average return of bitcoin and gold together was 165%, yet BOLD was 21% ahead. This is because every month Charlie rebalances the portfolio, effectively buying more of whichever is the weaker asset to retain that 75:25 ratio. This act of rebalancing both strips out the volatility and increases the gains.Since Charlie first conceived of it in 2017, over pretty much any timeframe, BOLD (in blue) has beaten everything.Since its listing in Europe in 2022 BOLD has returned 123% since launch (in GBP to end 2025 including fees) compared to 111% for bitcoin and 113% for gold.It would have been nice to have been able to enjoy these gains in the UK. Thank goodness the FCA has protected us from them.Not for much longer.I was delighted to be at the London Stock Exchange yesterday to see the listing of this product which delivers “bitcoin-like returns with the lesser volatility of gold.”Congratulations, Charlie, for finally getting this listed. I wish you every success.Now we can actually invest.Obviously, if gold AND bitcoin both turn down, BOLD will suffer. But this is a classic buy-and-forget product, perfect for the Dolce Far Niente portfolio. You can own it in your pension, your ISA and it should become a mainstay of any portfolio.The 21Shares Bitcoin Gold ETP, BOLD, has the ticker LSE:BOLD.I am a buyer.PS some brokers such as AJ Bellend have only made this product available to pro investors. The broker I use is Interactive Investor, who are pretty good about getting these kinds of things live. If you open an account via this link you get a year's free. I am just on the phone to them now to get this listed.Disclaimer:The Flying Frisby is not regulated by the Financial Conduct Authority (FCA) or any other regulatory body as a financial advisor. Therefore, any information provided in this newsletter does not constitute regulated financial advice. It is solely an expression of opinion. Please conduct your own due diligence and consult with a financial advisor, if you have any doubts. Remember, markets can both rise and fall, especially in the case of small and mid-cap stocks. I am not aware of your individual financial circumstances, so only invest money that you can afford to lose. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.theflyingfrisby.com/subscribe

Sweeping changes to the way investments are recommended across the UK will start in April. This week the Financial Conduct Authority set out its plans. The regulator hopes they will encourage more people to invest their savings rather than keep them in cash. From April it will bring in what it calls 'targeted support'. That would allow firms to suggest how customers in different groups should manage their money. The FCA has also issued new guidance on how investments can be marketed and what warnings customers are given. Paul Lewis speaks to its Deputy Chief Executive Sarah Pritchard.Just 50 years ago, women couldn't apply for loan or get a mortgage without a man. That came to an end thanks to the Sex Discrimination Act which came into force in December 1975. We'll hear from Kath and Sue who remember what it was like at that time.And a new scheme aimed at bringing down energy debt targets people who are moving home. We'll speak to Ofgem, the energy regulator, about that.Presenter: Paul Lewis Reporters: Dan Whitworth and Eimear Devlin Researcher: Jo Krasner Editor: Jess Quayle Senior News Editor: Sara Wadeson(First broadcast at 12pm Saturday 13th December 2025)

John 13:12–17,When he had washed their feet and put on his outer garments and resumed his place, he said to them, “Do you understand what I have done to you? 13 You call me Teacher and Lord, and you are right, for so I am. 14 If I then, your Lord and Teacher, have washed your feet, you also ought to wash one another's feet. 15 For I have given you an example, that you also should do just as I have done to you. 16 Truly, truly, I say to you, a servant is not greater than his master, nor is a messenger greater than the one who sent him. 17 If you know these things, blessed are you if you do them.In the year 1521, an artist named Lucas Cranach published a pamphlet of several woodcut images he had made of the pope. The printing press had been around almost a hundred years, but only a small fraction of the population could read, and so pictures were an important way to get a message across. And in these woodcuts images, Cranach, who was a good friend of Martin Luther, had two panels side by side: on the right side was a depiction of Pope Leo, but on the first side was a depiction of Jesus. And one of his most famous woodcuts features the scene of Jesus in John 13. The text beneath the image is our passage today, John 13:14–17.In this image of Jesus, you can see he is basically doing what the passage says: his disciples, a ragtag looking bunch, are huddled together in line, and Jesus is stooped down on his knees, by a water basin, washing their feet. We're supposed to contrast that image with the image on the other side: it's the pope sitting on an elevated platform, and there's a room full of dignitaries, and they're all in line to kiss his feet. It's clear that the pope is doing the exact opposite of Christ, which is why the heading at the top, on the right side, says, “Antichrist.” Some of you may know, our Reformation forefathers thought the pope was the antichrist — and I just wanna say they were not crazy to think that because the pope literally did antichrist things … And nothing made that more obvious than how the pope treated people so differently from how Jesus did. See John 13 was (and is) a standard of authenticity for every true disciple of Jesus. We should read this passage and ask ourselves: Does anything in my life look anything close to what Jesus is doing here? If you could put a picture of yourself on that right side, what would it look like?I believe it's God's providence that John 13 is our text at the very beginning of 2026. And we're gonna look closely at this passage today, but here's my goal: I want this passage to shape a prayer for our church for this entire year. The prayer is this: that we would grow as joyful servants of one another like Jesus is of us.That's the prayer — and there's a lot we could say about this — but I wanna start with the most basic this morning. Following the words of Jesus in this passage, I want to tell you three reasons we should serve one another like Jesus serves us. Here's the first. We should serve one another like Jesus serves us …1. Because Jesus is our Teacher and Lord (vv. 12–13)Look at verse 12. This is after Jesus has washed his disciples' feet. John tells us that Jesus basically cleaned himself up, sat back at the table, and then he began to teach with his words. See, the whole thing has been teaching, but now it's formal. And the first thing Jesus says, the end of verse 12, is:“Do you understand what I have done to you?”He's implying here that they don't understand, which is what he already said in verse 7. In verse 7, Jesus told the disciples: Hey, you don't get what I'm doing now, but you will later. And now is that later: Jesus is about to explain the meaning of his washing their feet — and we're on the edge of our seats for this!What Jesus did was shocking enough, but now he's gonna tell us the deeper meaning. He starts in verse 13. Verse 13:“You call me Teacher and Lord, and you are right, for so I am.”Notice the first thing Jesus does here is affirm the disciples. He starts by telling the disciples something they get right. And what they get right is who Jesus is. He is their “Teacher and Lord.”The word “Lord” here could be just a respectful way of talking to somebody with authority, but we know it's more than that in the New Testament. This is a confession of the deity of Jesus. Jesus is God the Son. He is the Lord Jesus. And we would expect this word to be front and center in what Jesus is called.But look at that word “teacher” in verse 13 — it's another way to say rabbi. And “rabbi” or “teacher” — that was something these early Jewish disciples called Jesus, but we don't really use that language today, at least not in our circles. I grew up in the church, and I've been a Christian for about three decades, and I don't know that I've ever heard anyone refer to Jesus as their “Lord and Teacher Jesus Christ.” But why don't we say that? That's a fair question to ask, isn't it? Because Jesus says it is right to call him Teacher, but we don't. So why not?It's actually a simple answer. It's because we combine Jesus as Teacher with his identity as Lord. This comes through in our third baptism vow: We affirm that, “with God's help, we will obey the teachings of Jesus and follow him as Lord, Savior, and Treasure.” “Learn from me”So we may not use the word “Teacher” but it is absolutely implied! This is the way we relate to Jesus as his disciples — we obey his teachings, we follow him. I think it's okay that we don't commonly call Jesus our “Teacher” — but it's okay only as long as we know he is that to us. He's certainly more to us than Teacher, but never less — Jesus teaches us how to live in this world!I think of Jesus's famous invitation in Matthew Chapter 11 to come to him and find rest. Remember he says: “Take my yoke upon you, and learn from me …” (Matthew 11:29). Learn from Jesus how to live!Or in the Book of Ephesians, Paul warns us not to live like the Gentiles — because their hearts are hardened and they're full of greed — and Paul says, “That is not the way you learned Christ!” (Ephesians 4:20). Hear that? We learn Christ. We learn from him! Jesus is our Teacher. It is right to call him that, but what matters most is that we know that's who he is. And when we know that, when that fact is established, then of course we're gonna do what he says. This is foundational: we should serve one another like Jesus serves us because Jesus is our Teacher and Lord, and he tells us to. And we could stop here, to be honest, because that's enough. But there's more. We should serve one another like Jesus serves us …2. Because Jesus has given us an example (vv. 14–16)This is verses 14–16, and it's really the central part of the passage. So let's read it again, and notice this whole unit is an argument. Verse 14: If I then, your Lord and Teacher, have washed your feet, you also ought to wash one another's feet. 15 For I have given you an example, that you also should do just as I have done to you. Truly, truly, I say to you, a servant is not greater than his master, nor is a messenger greater than the one who sent him.The logic of what Jesus says is grounded in the disciples' relationship to him — the Teacher/disciple relationship is implied, but Jesus names two more relationships in verse 16: master/servant, and then sender/messenger. We see that in verse 16.Now, what's the same in all of these relationships is that there's a hierarchy, and in each one, Jesus is the superior and we are the inferior. This is vital to the argument. Jesus is saying plainly in verse 14: If I, your superior, have washed the feet on my inferiors, then my inferiors ought to wash one another's feet.And in case we get stuck on the feet-washing part, in verse 15 Jesus explains that what he did was an example bigger than feet. Jesus has given us a model for how we treat one another.He has given us a pattern for all of life — it's not about one specific act of washing feet, but this is about a way of being. This is how we live together as the body of Christ: we serve one another the way Christ served us — which included washing our feet.And so, get this: if our Teacher, our Master, if he went that low to serve us, what would we consider too low in serving one another? See what he did there? Jesus has opened up for us endless possibilities of good works. Because now, following his example, nothing can be too low. Nothing can be too inconvenient. The degree of our serving is not determined by our station, but by the needs of our brothers and sisters. That is not the way it is in the world! Seriously, don't try this at work! Stick to your job description.What About Spiritual Gifts?But the local church is different. And this is where, heads up, we need to be careful with the topic of spiritual gifts. Now we're gonna get there one day in First Corinthians, but let me just offer a word of caution here … There is a school of thought that says it's incumbent that every Christian find a church where they can use their spiritual gifts. But see, the problem with this thinking is that it can lead individual Christians to hop from church to church asking the questions, “Can I use my gift here? … Can I use my gift here? What about here? Here? Who wants this gift?” And look, it's not bad to want to use your gift, but, instead of looking for the church where you can use your gift, how about commit to a church and let the first thing you ask be: What are the needs? Where can I help? Show me the places where I can follow the example of my Teacher and wash some feet!Look, I'm not gonna mention names (because I don't wanna embarrass anybody), but I've seen that kind of needs-first serving in this church over and over again. And when the whole church serves one another this way — in the example Jesus has given us — it is one of the most beautiful, compelling realities on the planet. Because Jesus is the only reason it makes sense. He is our Teacher and Lord, and he gave us an example.Here's the third reason. We serve one another the way Jesus served us …3. Because there is a blessing that comes through doing (v. 17)This is verse 17, and it's a verse that I want everybody to see. There are few keywords in this verse that we're gonna focus on, but first, everybody find verse 17. Chapter 13, verse 17, Jesus says:“If you know these things, blessed are you if you do them.”First word to see here is “blesséd.” This is a wonderful word. It's used 50 times in the whole New Testament, and 40 of those times are by Jesus himself. I think that counts as one of his favorite words! And the most famous place Jesus used this word was during his Sermon on the Mount. In Matthew Chapter 5, Jesus starts that sermon with what's called the Beatitudes. You've heard these before …“Blessed are the poor in spirit, for theirs is the kingdom of heaven.”“Blessed are those who mourn, for they shall be comforted.”“Blessed are the meek, for they shall inherit the earth.” …Jesus goes on to mention nine different blesséds, and none of them are what you'd expect. They turn the way of the world upside down — which tells us that Jesus's idea of “blessedness” is probably different too. To be blessed, according to Jesus, does not mean to be comfortable or to have things easy — it does not mean more power, money, and fame (that's the world's idea). But to be blessed according to Jesus means to be truly happy in relation to God — it's about the ‘good life' under the kingdom of God, which is the only ‘good life' that is true and lasting. To be blessed according to Jesus is not cheap fun, but it's a deep joy in God, given by God.Don't we want that? I'll take some of that in the New Year! The Way to BlessingWell, good news! Jesus is gonna tell us how we can get it. Everybody track with me — Look back at verse 17: Jesus starts, “If you know these things” — what things? He's talking about what he has just said. He's talking about the explanation he just gave in verses 14–15 for what he was doing in washing their feet. Jesus is saying: If you know I've given you an example! Or: now that you know I've given you an example! — Hey, it's good to know things isn't it? I'm so thankful that we can read the Word of God and know things about God and about life. It is a gift to know, amen. And we wanna grow in our knowledge! (2 Peter 3:18).But in verse 17, where does Jesus saying the blessing is?Verse 17: “If you know these things — or, now that you know I've given you an example … Blessed are you if you [have a Bible study and talk more about it] …Blessed are you if you [listen to a sermon and take good notes] …All goods things. But what does Jesus say in verse 17?“If you now know these things, blessed are you if you do them.”Do them. Like in real life, actually do the thing. Do what Jesus did!But Your Neighbor DoesYou know, thanks be to God, the heart of the gospel is that we are saved by grace, not by works. Romans 4:4, Now to the one who works, his wages are not counted as a gift but as his due. And to the one who does not work but believes in him who justifies the ungodly, his faith is counted as righteousness.Amen! We are saved by grace alone, through faith alone, in Christ alone, for the glory of God alone. It's like Martin Luther said:“God does not need your good works … but your neighbor does.” Your brother does. Your sister does.Listen: there is a blessing from Jesus that you can only have when you serve others the way he serves us. That's why we're joyful servants!And again, the blessing is not comfort. It's not ease. It's not convenience. It's not power, money, and fame. In fact, in the serving it's pretty much the opposite of all those things. There are at least moments of discomfort, difficulty, and inconvenience. You stoop low, at a cost, with no fanfare. But Jesus says, in doing that you will be blessed.And we all raised our hands and said we want that blessing. All that's left is the doing. How Does That Look?What does that look like for you? (Come back at 5 tonight to hear more about this), but I want to ask you now: in this New Year, in what ways are you gonna follow the example of Jesus, and do what he did? Where are the needs in our church, the needs around you, that God would call you to meet?Hey, let me just say: for those of us who are worried about our church growing this year, if we just do this, we're gonna be okay. The question is not: Am I going to be cared for with all these people here? The question is: How can I serve all these people the way Jesus served me?And when we're all asking that … it's beautiful.And look: it starts here. It starts with me; it starts with the pastors. All of us are in the same boat in that we all want to be more like Jesus. I'll tell you a story I thought of last week, and this is kinda crazy, because I haven't thought of this in 22 years, but it popped in my head a few days ago. When I was a freshman in college and trying to figure out God's calling on my life, I went to an FCA event to hear this guest preacher who was talking about calling. And I don't remember his message other than this one story he told, about a dream he had. This guy has preached to people all over the country, and seen a lot of fruit, and he had this dream where he was sitting on a white horse … He is sitting on this horse, looking out over all the people he had preached the gospel to. And then he sees Jesus walking up to him, through this crowd of people, and when Jesus finally gets to him, Jesus looks up and says, “Hey, would you get off my horse?”The guy said: Hey, whatever Jesus is calling you to in life, it's never to be on his horse.We've actually seen in John 13, Jesus calls us to serve like he serves. And I want you to know: your pastors are in this for that. That's my heart for you. And what I'm about to say — I don't mean this as anything different from the past, but I just wanna tell you: with God's help, I'm gonna serve you the best I can this year. With all the grace that God supplies.And that's our prayer together, for all of us. It's that God would grow us as joyful servants of one another like Jesus is of us.That's what leads us to the Table.The TableI want us to sense in a new way the wonder that we are children of God. We are brothers and sisters of Jesus, and one another, and we live by him and for him. It's all grace! All gift! And at this Table we rest in that.We come here to thank Jesus for his cross and resurrection, and to receive afresh all that he is for us — Lord, Savior, Treasure, and Teacher.

At the heart of The Prophets' vision are “The 24 Essential Supply Chain Processes.” What are they? Find out, and see the future yourself. Click here As 2025 wraps up, the Auto Supply Chain Prophets podcast looks back on its journey and shares thoughts about what's next. Hosts Jan Griffiths, Jim Liegghio, and Terry Onica take a moment to celebrate the podcast's impact, highlighting 15,000 downloads in over 20 countries, and look forward to their 100th episode in 2026, a milestone only a few podcasts achieve.Jim encourages listeners to revisit past episodes to hear how industry leaders think, solve problems, and approach supply chain challenges. Terry shares her retirement from QAD after 23 years, celebrating a career spent promoting supply chain excellence and promising to continue contributing to projects she loves.Jan confirms the podcast isn't going anywhere. In 2026, it will return with a refreshed format and new energy. For now, listeners can check out past episodes, dive deeper into the content on the website, and follow along as the hosts continue sharing conversations that shape the automotive supply chain.Featured on this episode: Name: Jan GriffithsTitle: President and Founder, Gravitas Detroit About: Jan is the architect of cultural change in the automotive industry. As the President & Founder of Gravitas Detroit, Jan brings a wealth of expertise and a passion for transforming company cultures. Additionally, she is the host of the Automotive Leaders Podcast, where she shares insightful conversations with industry visionaries. Jan is also the author of AutoCulture 2.0, a groundbreaking book that challenges the traditional leadership model prevalent in the automotive world. With her extensive experience and commitment to fostering positive change, Jan is at the forefront of revolutionizing the automotive landscape.Connect: LinkedInName: James “Jim” LiegghioTitle: Manager, Customer Experience & Engagement, Automotive Industry Action Group (AIAG)About: Jim is a seasoned supply chain leader with over 25 years of experience, particularly in the automotive sector. His expertise spans a wide range of areas, from hands-on plant-level material and production control to high-level corporate logistics roles at major OEMs like FCA. He has navigated the complexities of international logistics, trade compliance, and cross-functional collaboration, gaining a global perspective that enhances his approach to supply chain management. He excels at working across departments to achieve strategic goals, with a strong focus on optimizing operations and fostering relationships. His work isn't just about logistics; it's about cultivating a culture of continuous improvement, community, and diversity. Throughout his career, Jim has remained committed to lifelong learning, driven by a genuine curiosity and a passion for leadership.Connect: LinkedInName: Terry OnicaTitle: Director, Automotive at

For Info and registration on upcoming FCA events: https://www.southalabamafca.org/

From Glenwood alum to head coach, Mike Garber shares how a mentor's relentless positivity shaped his coaching, why he treats the classroom like five daily “shows,” and how he helps athletes do what they never thought possible.

It's Thursday, December 11th, A.D. 2025. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com.  I'm Adam McManus. (Adam@TheWorldview.com) By Jonathan Clark UK Supreme Court: Religious education in Ireland unlawful The U.K. Supreme Court ruled last month that religious education in Northern Ireland is unlawful. State-funded primary schools in Northern Ireland currently include religious education in the curriculum. Schools also have a time of daily worship. However, the U.K. Supreme Court ruled the curriculum was not “objective, critical and pluralistic.” In response, Christian Concern is defending Christian education in schools. Listen to comments from Steve Beegoo, Head of Education at Christian Concern.  BEEGOO: “Parents, don't retreat. There is an authority that is truly higher than even our courts that we must appeal to and that we must obey. We must stand for truth and to obey Jesus Christ.” In Matthew 19:14, Jesus said, “Let the children come to Me, and do not hinder them.” Fewer British Christians, more pagans The Institute for the Impact of Faith in Life released a new survey on adults in Britain who changed religion.  Christianity experienced the most losses with people usually becoming atheist. Islam saw a modest net gain, mostly from Christianity. Also, movements like Paganism, Wicca, and broad spiritualism saw noticeable growth.  The study said, “Media reports over the past decade document a visible revival of Pagan and Wiccan practices in Britain, particularly among women over 30 and those disillusioned with organized religion but seeking ethical and emotional coherence.” Isaiah 8:19-20 says, “And when they say to you, ‘Seek those who are mediums and wizards, who whisper and mutter,' should not a people seek their God? Should they seek the dead on behalf of the living? To the law and to the testimony! If they do not speak according to this word, it is because there is no light in them.” Spanish court acquits 21 pro-lifers A court in Spain acquitted 21 pro-life activists on Tuesday. Authorities had arrested the pro-lifers back in 2022 for praying outside an abortion mill. They were participating in a 40 Days for Life prayer chain in the city of Vitoria-Gasteiz. The ruling stated, “There is no doubt that the defendants did nothing more than exercise their right to free assembly. … The defendants conducted themselves at all times in an exemplary, peaceful manner.” 71 U.S. abortion mills closed this year In the United States, 23 independent abortion mills closed this year as of October. That's up from 12 closures last year. Since Roe v. Wade was overturned in 2022, 100 locations closed. Independent abortion mills are not affiliated with Planned Parenthood and account for 58% of abortions in the U.S.  Life News reports that Planned Parenthood has closed 48 locations so far this year. Dept. of Justice supports Christian students who spoke truth The U.S. Department of Justice supported two Christian students on Monday in a court case involving transgenderism. Virginia's Loudoun County School Board previously suspended the two male students. They had simply objected to a girl, pretending to be a boy, in their locker room. Harmeet Dhillon is Assistant Attorney General for Civil Rights at the Justice Department. She said, “Loudoun County's decision to advance and promote gender ideology tramples on the rights of religious students who cannot embrace ideas that deny biological reality.” Frustrated homesellers pulling homes off market Realtor.com released their November 2025 Monthly Housing Market Trends Report. The report found that home prices are rising in traditionally affordable metros. Meanwhile, expensive metros are seeing price drops. The market has also seen record de-listings as frustrated sellers pull their homes off the market without a sale. Realtor.com noted, “One home was de-listed for about every 3 to 4 new listings nationally.” Fellowship of Christian Athletes distributed 244,000 Bibles this year And finally, the Fellowship of Christian Athletes distributed over 244,000 Bibles this year across the U.S. and 68 other countries. That's up from 219,000 last year.  The achievement is due to 900 FCA camps worldwide, 23,000 huddle groups, and about 400 FCA sports club teams.  A Fellowship of Christian Athletes spokesman told The Christian Post, “FCA's overarching aim is to reach coaches and athletes with the Gospel, help them grow spiritually and then enable them to help others do the same. We believe this spiritual foundation extends beyond sports, positively influencing teammates, schools, families and entire communities.” Close And that's The Worldview on this Thursday, December 11th, in the year of our Lord 2025. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com.  I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.