Podcasts about Fio

Miesiączka 20, a w niej: Makselon o końcu demokracji, Kasia o Rousseau, Herbut o Bonnie blue, Sulej o czerwieni, Fiołka o chlebie i Mochnaczewska o przemocy cyfrowej, ghostingu, czyli o tym, co czujesz, gdy Twoje intymne sms zostają upublicznione. Oprócz tego: mieszkańcy Notting Hill przemalowują domy na czarno, mamy zdjęcia słońca z bliska, oryginalna torebka Jane Birkin jest do kupienia, Francuzi walczą z porno, a Włosi zakazują smartfonów w szkołach; do tego filmy, seriale, książki, same pyszności! Patroni od progu 25 maja newsletter a w nim wszystko, o czym była mowa w podkaście i lista książek pomagających w wychodzeniu z przemocy cyfrowej. Ten podcast powstaje dzięki Patronite: https://patronite.pl/karolinakp 0:00:00 Intro 0:01:27  Felieton Macieja Makselona 0:07:03 Newsy i newsiki 0:23:55 Comiesięczna księgarnia 0:31:27 Felieton Anny Mochnaczewskiej 0:59:51 W kinie i na kanapie 1:12:49  Felieton Agaty Herbut 1:18:43 Dział mody 1:20:01 Felieton Karoliny Sulej 1:32:46 Felieton Fiolki Najdenowicz 1:41:27 Felieton Katarzyny Kasi 1:46:55 Outro

Summary   In this episode, Wayne Marcel interviews Pradeep Goel from PAI3, discussing the intersection of blockchain, AI, and user privacy. Pradeep shares his extensive background in tech and healthcare, emphasizing the importance of trust in technology. The conversation explores the evolution of user experience in technology, the need for decentralized AI, and how PAI3 aims to empower users with personal AI that keeps their data secure and private. The discussion highlights the potential for community ownership in AI infrastructure and the critical need for privacy in an increasingly data-driven world. In this conversation, Wayne Marcel and Pradeep Goel discuss the future of digital currencies and AI integration in everyday devices. They explore the concept of personal nodes that empower users to control their data and AI interactions, particularly focusing on small to medium enterprises that require privacy and compliance. The discussion highlights innovative use cases for AI, especially in real estate, and emphasizes the importance of building a decentralized node community that generates revenue through AI agents. The conversation concludes with insights on user experience and community engagement in the evolving tech landscape.   Learn more about PAI3: https://pai3.ai/    Takeaways   Pradeep Goel has over 30 years of experience in tech and healthcare. Blockchain can create trustless systems that enhance user confidence. AI is becoming integral to personal and professional life. Decentralization is key to user sovereignty and data privacy. User experience must evolve to be more accessible and intuitive. PAI3 aims to provide personal AI that keeps data under user control. Community ownership of AI infrastructure can democratize technology. Privacy is paramount in the age of AI and data manipulation. Users should not have to sacrifice privacy for convenience. FIO handles can enhance user interaction with AI agents. Non-human entities will increasingly use digital currencies. AI will integrate into everyday devices like refrigerators. Personal nodes empower users to control their data. Small to medium enterprises need AI for privacy compliance. AI agents can generate revenue for node operators. Innovative AI use cases can transform real estate transactions. Decentralized communities can drive economic growth. Early adopters of nodes gain reputation and advantages. User experience is crucial for technology adoption. Community engagement is essential for the success of new technologies.   Chapters   00:00 Introduction to PAI3 and Background of Pradeep Goel 02:08 The Shift to Blockchain and Trustless Systems 04:58 Navigating AI and Trust Issues 07:59 The Evolution of Technology and User Experience 12:08 Understanding PAI3's Personal AI Concept 15:02 Decentralized AI Infrastructure and Community Ownership 17:50 Privacy, Control, and the Future of AI 23:35 The Rise of Non-Human Entities in Digital Currency 24:05 AI Integration in Everyday Devices 25:31 Empowering Users with Personal Nodes 28:10 Targeting Small to Medium Enterprises 30:58 Privacy and Compliance in AI Usage 32:24 Revenue Generation through AI Agents 34:39 Innovative Use Cases for AI in Real Estate 37:59 Building a Decentralized Node Community 40:05 Future Prospects and Community Engagement

Pastor Marcelo França pregando sobre o tema "Família por um Fio", tomando como base o texto de Êxodo 18: 1 - 12. Transformando Vidas Através da Palavra. Esta é a visão da Igreja Batista Zona Sul, liderada pelo pastor Marcelo França e com sede em Parnamirim, RN - Brasil. Nos acompanhe nas Redes Sociais: www.facebook.com/igrejabatistazonasul www.instagram.com/ibzonasul open.spotify.com/show/6Vh7Zld5QlIE8X9JUty3EK?si=i0RByzFwTje3Byg2Oyk7TQ

Leitura Bíblica Do Dia: ÊXODO 16:21-30 Plano De Leitura Anual: 2 SAMUEL 19–20; LUCAS 18:1-23  Já fez seu devocional hoje? Aproveite e marque um amigo para fazer junto com você! Confira:  A frugalidade da tia Margarete era lendária. Depois que faleceu, suas sobrinhas começaram a separar os pertences dela. Dentro de um pequeno saco plástico, descobriram vários pequenos pedaços de fios. O rótulo dizia: “Fio curto demais para usar”. O que levaria alguém a manter e categorizar algo que soubesse ser inútil? Talvez essa pessoa tivesse experimentado privação extrema. Quando os israelitas fugiram da escravidão no Egito, deixaram atrás de si uma vida difícil. Mas logo esqueceram-se da mão milagrosa de Deus e começaram a reclamar da falta de comida. Deus queria que confiassem nele e lhes forneceu o maná no deserto, dizendo a Moisés: “Diariamente o povo sairá e recolherá a quantidade de alimento que precisar para aquele dia” (ÊXODO 16:4). Deus também os instruiu a reunir o dobro no sexto dia, porque no sábado não viria maná do céu (vv.5,25). Alguns dos israelitas deram ouvidos. Outros não, com resultados previsíveis (vv.27-28). Em tempos de abundância ou de desespero, é tentador querer se agarrar a um esforço desesperado por controle. Não há necessidade de tomar tudo em nossas próprias mãos. Não há necessidade de “guardar restos de fios” — ou acumular qualquer coisa. Nossa fé está em Deus, que prometeu “Não o deixarei; jamais o abandonarei” (HEBREUS 13:5).  Por: TIM GUSTAFSON 

What can a 5,000-year-old textile teach us about cutting-edge technology?In this episode of Ecosystemic Futures, presented by NASA's Convergent Aeronautics Solutions Project in collaboration with Shoshin Works, host Marco Annunziata explores the revolutionary potential of silk as a biomaterial platform with Dr. Fiorenzo Omenetto, the Frank C. Doble Professor of Engineering at Tufts University. From a chance hallway conversation to pioneering a new field of material science, Fio shares how his Silk Lab transforms this ancient textile into a technological powerhouse with applications spanning medicine, environmental monitoring, and sustainable manufacturing.This conversation delves deep into the scientific principles behind silk's remarkable properties, the cross-disciplinary innovation process that drives discovery, and how an ecosystemic approach to innovation—bringing together academics, industry partners, and experts from seemingly unrelated fields—creates unprecedented opportunities for technological advancement. For researchers, innovators, futurists, and forward-thinking business leaders, this episode offers a compelling vision of how nature-inspired technologies might shape our collective futures.Highlights:Material Magic Through Functional Properties: Silk isn't just a replacement for plastics or other materials; its unique properties enable entirely new functions that conventional materials cannot achieve, creating novel market opportunities rather than competing with established solutions.The Biocompatible-Technical Interface: Silk is a crucial bridge between biological and technological worlds, allowing for innovations like biologically reactive inks that can be printed onto surfaces to create low-cost diagnostic tools.Scaling Breakthrough: After years of lab-scale production (50-100 liters annually), industrial partners have scaled silk solution production to approximately 100 million liters per year, enabling commercial applications.Nature's Engineering Excellence: Biomimicry principles reveal sophisticated properties like the optical networks in orchid leaves that efficiently capture and distribute light—lessons that can inform technological solutions.The Ecosystem of Innovation: The most groundbreaking discoveries happen at the intersection of disciplines in environments that foster serendipitous connections—from cafeteria conversations to diverse lab compositions that bring together engineers, designers, and musicians.Guest: Dr. Fiorenzo Omenetto, the Frank C. Doble Professor of Engineering at Tufts UniversityHost: Marco Annunziata, Co-Founder, Annunziata + Desai PartnersSeries Hosts: Vikram Shyam, Lead Futurist, NASA Glenn Research CenterDyan Finkhousen, Founder & CEO, Shoshin Works

No episódio de hoje, Pedro Pacífico conversa com Drauzio Varella. O médico, escritor e comunicador, ficou conhecido por divulgar temas de saúde de forma simples e acessível. É autor de diversos livros, entre eles, “Estação Carandiru”, vencedor do Prêmio Jabuti e adaptado para o cinema. Também escreveu Carcereiros, Por um Fio e Prisioneiras, misturando vivência médica com crítica social. Na conversa, Drauzio compartilha a paixão pela literatura, comenta sobre os seus sucessos literários e sobre o seu novo livro "O sentido das águas: Histórias do rio Negro". Apresentação: Pedro Pacífico.Preparação: Michel Campos.

Tau Empire Complete Lore and History Warhammer 40k  Complete history of the Tau Empire up to the current Indomitus Era. As mentioned in the video go to the following vids for additional Tau lore: Aunshi: https://youtu.be/mmDlXPBgD6Q and Defence of Fio'vash: https://youtu.be/IokkNIISRf4 Tau God: https://youtu.be/ZJzccpE8qT8 Damocles Gulf Crusade: https://youtu.be/vkTo8vhUfK4 2nd Damocles Gulf Crusade: https://youtu.be/qMnzmPxpdmM Farsight Enclaves: https://youtu.be/glhccXMwheM Kroot Origin Myth: https://youtu.be/uWlqFCv1vQs Letters from Pech Kroot Lore: https://youtu.be/LoGEWT7UgmQ cool tau story for bonus: https://youtu.be/hRpjkC8W6KA #warhammer #40k #audio #scifi #tau #warhammer40k #asmr #farsight  Thanks! Emperor Protects! -----------------------Affiliate links-----------------------------

Encontros improváveis na arte e na arqueologia. No primeiro ato: Bishop no Brasil, Madalena em Manhattan. Por Flora Thomson-DeVeaux. No segundo ato: sonhos de criança levados à sério. Por Jéssica Almeida. Conheça o podcast Fio da Meada, novo original da Rádio Novelo, em que Branca Vianna conversa com convidados que têm o que dizer sobre os mais diversos assuntos, pra inspirar você a tecer seu próprio ponto de vista. Toda segunda-feira no Spotify e nos outros apps de áudio: https://encurtador.com.br/WUDSO Palavras-chave: Madalena Santos Reinbolt, Elizabeth Bishop, Cabeça cheia de planetas, Head full of planets, MASP, Bibi Nhatarâmiak, Nimu Borum, arqueologia, antropologia, Universidade Federal de Minas Gerais, Borum-Kren Learn more about your ad choices. Visit megaphone.fm/adchoices

Si, nos hemos saltado el EC-101, pero por motivos excelentes. A pesar de su gran modestia, Javier es una de las figuras relevantes de la aviación tanto en su vertiente de divulgador, historiador, instructor, acrobacia y piloto de la Fundación Infante de Orleans. En esta excelente tarde Hablando de Aviones, Aranduy entabla una interesante charla acerca de los aviones internados en España, la importancia de la formación en situaciones anormales para cualquier tipo de piloto, sus experiencias como piloto acrobático y, puesto deseado por todo aerotrastornado, uno de los privilegiados que vuela la "Garrapata", avión histórico de las demostraciones en vuelo de la FIO.

Uma fantasia abandonada e uma folia brutal. No primeiro ato: a longa hibernação de um ícone de Carnaval. Por Flora Thomson-DeVeaux. No segundo ato: o fim da festa verde-oliva. Por Natália Silva. Quer aproveitar os R$ 50 de desconto em compras acima de R$ 149, válido para primeira compra no app Daki? Basta clicar no link abaixo e inserir o cupom RADIONOVELO50 ao final da compra https://soudaki.onelink.me/FYIE/radionovelo Conheça o podcast Fio da Meada, novo original da Rádio Novelo, em que Branca Vianna conversa com convidados que têm o que dizer sobre os mais diversos assuntos, pra inspirar você a tecer seu próprio ponto de vista. Toda segunda-feira no Spotify e nos outros apps de áudio: https://encurtador.com.br/WUDSO Palavras-chave: gorila de saco, Vila Vintém, Padre Miguel, macaco, fantasia, Carnaval, ditadura militar, Sergipe, Comissão da Verdade, superior tribunal militar, tortura. Learn more about your ad choices. Visit megaphone.fm/adchoices

IN HOC PROGRAMMA’ ‘DE WHEELOCK 6th , Ed. capite tertio, paginis 17-23: de nominibus et adiectivis omnibus casibus ex secunda declinatione, de appositione, et de verborum ordine in oratione vel sententia’ ‘SEQUIMUR’ [QUIA “NUNTII IN LINGUA LATINA” ‘INSTRUMENTUM’ ‘AD LATINUM DISCENDUM ET DOCENDUMQUE’ ‘EST’]. ‘NUNTII IN LINGUA LATINA’ ‘IN LINGUA LATINA, ANGLICA ET GALLICA’ ‘*AUDIS’! CIVITATES FOEDERATAE AMERICAE ET RUSSIA CONTRA EUROPAM ET UCRAINAM. 14 TRANSLATIO A FERNANDA SOLÍS VERSAM EST. ‘*CIVITATES FOEDERATAE AMERICAE ET *RUSSIA ‘COLLOQUIA’ ‘DE UCRANIA’ , ‘SINE KIOVIA NEQUE UNIONE EUROPAEA ‘*INEUNT’ . // ‘*EUROPA PERTURBATA ‘*EST’ ‘QUIA DEFENSIONEM SUAM SINE AMERICA ‘COGITARE’ ‘INDIGET’ . AEGYPTO. TRANSLATIO AB ALISSA SOUZA VERSAM EST. ‘*CAIRUS’ ‘SUUM CONSILIUM’ ‘PRO GAZA’ ‘*PARAT’. // ‘*NATIONES ARABICAE’ ‘SUAS OPTIONES’ ‘IMPROVISO IMPETU’ ‘A DONALDO TRUMP, CIVITATUM FOEDERATAE AMERICAE PRAESIDE,’ ‘CAPTAE’ ‘*PRAEPARANT’. //. ‘*AEGYPTUS’ ‘CONSILIUM’ ‘DE REFICIENDO HOC TERRITORIO PALAESTINENSI’ ‘CUM ARGENTARIA MUNDANA’ ‘*EXCOLIT’. {De Wheelock 6th Ed. Capite 3, Paginis 17-23. In hoc nuntio inveni: ¿Quot nomina et adiectiva in secunda declinatione invenis, quae sunt? ¿1 vel plures appositionem invenis? ¿Verborum ordo in orationes vel sententias adaequatus est? ¿Lexico ex capite 3 invenis?}. ‘NUNTII IN LINGUA LATINA’ ‘IN LINGUA LATINA, ANGLICA ET ITALICA’ ‘*AUDIS’! CIVITAITS VATICANAE STATU. ‘PAPA *FRANCISCUS’ ‘IN VALETUDINARIO’ ‘AD ANALYSES FACENDUM’ ‘*EST’ . // ‘*FRANCISCUS, PAPA ECCLESIAE CATHOLICAE ROMANAE 15 A TERTIO DECIMO DIE MARTIIS MENSE ANNO DOMINI BIS MILLÉSIMO DECIMO TERTIO,’ ‘IN VALETUDINARIO’ ‘*MANET’ [QUIA ‘ANALYSES’ ‘MORBOS MULTIPLICES’ ‘*OSTENDUNT’]. {De Wheelock 6th Ed. Capite 3, Paginis 17-23. In hoc nuntio inveni: ¿Quot nomina et adiectiva in secunda declinatione invenis, quae sunt? ¿1 vel plures appositionem invenis? ¿Verborum ordo in orationes vel sententias adaequatus est? ¿Lexico ex capite 3 invenis?}. ‘NUNTII IN LINGUA LATINA’ ‘IN LINGUA LATINA, ANGLICA ET GERMANICA ‘*AUDIS’! TRANSLATIO AB ALISSA SOUZA VERSAM EST. UCRAINA. BELLATOR SOLITARIUS. // [CUM ‘*RUSSIA’ ‘URAINAM’ ‘*INVADEBAT’], ‘*VLADIMIRUS ZELENS’KYJ, UCRAINAE PRAESES’ ‘BELLUM DOMINATOR’ ET , ‘QUOMODO WINSTON CHURCHILL’ ‘PUTATUS EST’. // ‘ID EST: FORTIS ET FIRMUS’ . // ‘NUNC VERO’ ‘DONALDUS , TRUMP, DENUO CIVITATUM FOEDERATAE AMERICAE PRAESES’ , ‘EUM’ ‘RELIQUIT’. // ‘*ZELENS’KYJ’ ‘IPSE SIT’ ‘IAM *NESCIT’ . {De Wheelock 6th Ed. Capite 3, Paginis 17-23. In hoc nuntio inveni: ¿Quot nomina et adiectiva in secunda declinatione invenis, quae sunt? ¿1 vel 2 appositiones invenis, quae sunt? ¿Verborum ordo in orationes vel sententias adaequatus est? ¿Lexico ex capite 3 invenis?}. 16 IN ORBE TERRARUM. ‘*AGE’, ‘ORBEM TERRARUM’ ‘*DIVIDAMUS’. // ‘FOEDUS’ INTER ‘TRUMP, ITERUM C-F-A PRAESES A DIE VICESIMO MENSE IANUARII HOC ANNO’ , ET ‘PUTIN, ITERUM FOEDERATIONIS RUSSICAE PRAESES A ANNO BIS MILLESIMO DUOCESIMO’ , UCRAINAM AESTUAT ET SOCIA CONCUTIT. // ¿‘INTER EOSNE’ ‘EUROPAE PACEM ET FUTURUM’ ‘*DECIDENT’? {De Wheelock 6th Ed. Capite 3, Paginis 17-23. In hoc nuntio inveni: ¿Nomina et adiectiva in secunda declinatione invenis? ¿2 appositiones invenis, quae sunt? ¿Verborum ordo in orationes vel sententias adaequatus est? ¿Lexico ex capite 3 invenis?}. ‘NUNTII IN LINGUA LATINA’ ‘IN LINGUA LATINA, ANGLICA ET HISPANICA’ ‘*AUDIS’! MEXICO. MEXICOPOLIS. ‘AEROPLANA NON GUBERNATA SPECULATORIAS. // ‘TRUMP *REGIMEN’ ‘SEDIS CENTRALIS EXPLORATORIAE’ ‘AEROPLANA NON GUBERNATA SPECULATORIAS, ID EST , VEL VEHICULUM AERIUM EXPLORANS SINE GUBERNATOR, ’ ‘AD NARCOTICORUM CULINAS IN MEXICO INVENIENDUM’ ‘*UTUNTUR’. {De Wheelock 6th Ed. Capite 3, Paginis 17-23. In hoc nuntio inveni: ¿Quot nomina et adiectiva in secunda declinatione invenis? ¿1 appositiones invenis, quae 17 sunt? ¿Verborum ordo in orationes vel sententias adaequatus est? ¿Lexico ex capite 3 invenis?}. ‘NUNTII IN LINGUA LATINA’ ‘IN LINGUA LATINA, ANGLICA ET RUSSICA’ ‘AUDIS’! TRANSLATIONES A SAID RAYMUNDO DELGADO VERSA SUNT. TRUMP ADVERSUS ZELENSKY. '*TRUMP' 'APROBATIONEM ZELENSKII' 'AD QUATTUOR PARTES EX CENTUM CECIDIT' '*DIXIT'. // 'ESTNE HOC VERUM?' // '*ORATIO DONALD TRUMP' 'ERGA UCRANIAM ET ERGA VOLODYMYR ZELESNKY, UCRAINAE PRAESES,' MAGIS HOSTILIS' '*FIT'. // '*TRUMP, DUX CIVITATIUM FOEDERATAE AMERICAE,' 'DIE DUODEVIGINTI FEBRUARII MENSE' '*ITERAVIT': 'SECUNDUM SUA SENTENTIAM', '*ELECTIONES PRAESIDENCIALES' 'IN UCRANIA IN MOMENTO FUTURO PROXIMO' '*HABENDAE ESSE'. // 'SECUNDUM TRUMP': ('HOC DICERE' '*NON PLACET') '*VALOR APROBATIONIS ZELENSKY' QUTUOR PARTES EX CENTUM TANTUM' '*EST'. {De Wheelock 6th Ed. Capite 3, Paginis 17-23. In hoc nuntio inveni: ¿1 vel plures appositionem invenis? ¿Verborum ordo in orationes vel sententias adaequatus est?}. DENUO TRUMP ADVERSUS ZELENSKY. -"*EGO' 'STATUM' 'VENDERE NON *POSSUM."- // '*ZELENSKY' ['CUR PROPOSITIONEM CIVITATIUM 18 FOEDERATAE AMERICAE' 'DE OPIBUS MINERALIBUS' '*REIECIT']' *EXPLICAVIT'. // ET '*ZELENSKY' 'AD TRUMP', ['*QUI' 'ELECTIONES' 'IN UCRANIA' ' *PETIVIT']' *RESPONDIT'. // -"SI '*ALIQUIS' 'ME MUTARE' 'HOC TEMPORE' '*VULT', TUNC: ['*HOC' '*NON EFFICIET']. // PRAETEREA '*CORRUPTIO INFORMATIONIS' 'DE CASU VALORIS APROBATIONIS' 'A RUSIA' '*PROVENIT'.- // '*ADMINISTRATIO TRUMP' 'SUAM ATTITUDINEM ERGA RUSSIAM' '*LENIVIT'. // 'BELLUM '*NON APELLAT', SED 'CONTENTIONEM'. ‘NUNTII IN LINGUA LATINA’ ‘IN LINGUA LATINA, ANGLICA ET SINENSIS PINYIN’ ‘*AUDIS’! TRANSLATIONES A CASANDRA FREIRE VERSA SUNT. SINIS. ‘DIE QUATTUORDECIM FEBRUARII’ ‘*COLLOQUIUM’ ‘SUCHEI ANNI BIS MILLESIMO VICESIMO QUINTO’ ‘PROMOTIONIS PROGRESSIONIS ET INNOVATIONIS INTELLIGENTIAE ARTIFICIALIS’ ET ‘*COLLOQUIUM’ ‘POTESTATIS NOVAE INDUSTRIALIZATIONIS ARTIFICIALIS INTELLIGENTIAE’ ‘*EVENERANT’ . // ‘IN THEMATE’ ‘*TRACTANDO’ "*INTELLEGENTIA ARTIFICIALIS’ ET ‘BONA *QUALITAS’ ‘NOVUM FUTURUM’ ‘*DUCIT", ‘PLUS QUAM CENTUM’ ‘*EXEMPLA’ ‘[UT ROBOTA HUMANOIDES, [ID EST ROBOTUM CORPUS SIMILIS HOMINI], RATIONES MODERATORUM 19 INTELLIGENTIUM] ET ‘* EXEMPLARIA VIRTUALIUM INTERACTIVORUM’ [CUM MAGNA-SCALAE INTERACTIVA AI, [ ID EST INTELLEGENTIA ARTIFICIALIS]] ‘*REVELATI SUNT’ . {De Wheelock 6th Ed. Capite 2, ¿Nomen ex prima declinatione invenis quod quadruplex apparet?}. SINIS. ‘NOVAE INCLINATIONES, NOVA LOCA, NOVAE POTENTIAE’: ‘NOVI *MERCATUS’ ‘NOVUM VIGOREM OECONOMIAE SINENSIS ‘*DEMONSTRANT’ . // ‘PRIMO VER ‘*FESTO’ , [HOC DECLARANTE MUNDI HEREDITATIS] ‘*IUCUNDIUS EST’ ET ‘*MERCATUS NOVI ANNI’ ‘IN FLUMINE MERIDIANO’ ‘*VIVIDISSIMUM EST’. {De Wheelock 6th Ed. Capite 3, Paginis 17-23. In hoc nuntio inveni: ¿Quot nomina et adiectiva in secunda declinatione invenis, quae sunt? ¿Aliqua appositio invenis, quae est? ¿Verborum ordo in orationes vel sententias adaequatus est? ¿Lexico ex capite 3 invenis?}. LEXICON LEXICON EX “CIVITATES FOEDERATAE AMERICAE ET RUSSIA CONTRA EUROPAM ET UCRAINAM”… Nomina • America – America • Colloquia – Talks, negotiations • Civitates – States • Defensionem – Defense • Europa – Europe 20 • Foederatae – Allied (as a substantive: Allied States) • Kiovia – Kyiv • Russia – Russia • Unione – Union • Ucrania – Ukraine Adiectiva • Perturbata – Disturbed, troubled Verba • Cogito – I think, consider • Indigeo – I need, lack • Ineo – I enter, begin • Sum – I am LEXICON EX “AEGYPTO”… Nomina • Aegyptus – Egypt • Argentaria – Bank • Cairus – Cairo • Civitatum (genitivo plural de Civitas) – States • Consilium – Plan, decision • Foederatae – Allied (as a substantive: Allied States) • Gaza – Gaza • Impetu (ablativo de Impetus) – Attack, momentum • Mundana – World (as an adjective meaning "global") • Nationes – Nations • Optiones – Options, choices • Palaestinensi – Palestinian (adjective) • Praeses – President • Territorium – Territory Adiectiva 21 • Arabicae – Arabic • Captae – Captured, seized • Suas – Their own • Suum – Their own Verba • Excolo – I develop, cultivate • Paro – I prepare • Praeparo – I make ready, prepare LEXICON EX “CIVITAITS VATICANAE STATU”… Nomina • Analyses – Examinations, tests • Ecclesia – Church • Franciscus – Francis • Menses – Month • Morbos (acusativo plural de Morbus) – Diseases • Papa – Pope • Valetudinarium – Hospital Adiectiva • Catholica – Catholic • Multiplices – Multiple • Romana – Roman • Tertius – Third Verba • Maneo – I remain, stay • Ostendo – I show, reveal • Sum – I am LEXICON EX “UCRAINA”… Nomina • Bellator – Warrior • Bellum – War • Civitates – States 22 • Dominator – Ruler, master • Praeses – President • Russia – Russia • Ucraina – Ukraine • Zelens’kyj – Zelensky Adiectiva • Firmus – Strong, firm • Fortis – Brave, courageous • Solitarus – Lonely, solitary Verba • Nescio – I do not know • Sum – I am LEXICON EX “IN ORBE TERRARUM”… Nomina • Foederatio – Federation • Foedus – Treaty, alliance • Futurum – Future • Orbis – World, globe • Pax – Peace • Praeses – President • Russia – Russia • Socia – Ally • Ucraina – Ukraine Adiectiva • Russica – Russian Verba • Aestuo – I am in turmoil, I am agitated • Decido – I decide • Divido – I divide • Concutio – I shake, I disturb LEXICON EX “MEXICO”… Nomina • Aeroplanum – Airplane 23 • Culina – Kitchen (in this context: drug lab) • Mexico – Mexico • Regimen – Government • Sedes – Headquarters, seat • Vehiculum – Vehicle Adiectiva • Centralis – Central • Exploratorius – Exploratory, reconnaissance • Speculatorius – Surveillance, spy Verba • Invenio – I find, discover • Utor – I use (takes the ablative) LEXICON EX “TRUMP ADVERSUS ZELENSKY.”… Nomina • Aprobatio – Approval • Civitates – States • Dux – Leader • Electiones – Elections • Mensis – Month • Oratio – Speech, discourse • Praeses – President • Sententia – Opinion, judgment • Ucraina – Ukraine • Valor – Value Adiectiva • Foederatus – Allied • Futurus – Future • Hostilis – Hostile • Presidentialis – Presidential • Proximus – Near, close Verba • Dico – I say, speak • Fio – I become, happen 24 • Habeo – I have • Itero – I repeat • Placeo – I please, am agreeable • Sum – I am LEXICON EX “DENUO TRUMP ADVERSUS ZELENSKY.” Nomina • Administratio – Administration • Aprobatio – Approval • Bellum – War • Civitas – State • Contencio – Conflict, dispute • Corruptio – Corruption • Electio – Election • Informacio – Information • Minerale – Mineral • Opes – Resources, wealth • Russia – Russia • Status – State, condition • Valor – Value Adiectiva • Foederatus – Allied • Hoc – This • Suus – His, their own Verba • ApeIlo – I call, name • Efficio – I accomplish, achieve • Explico – I explain • Lenio – I soften, alleviate • Possum – I am able, I can • Provenio – I come forth, arise • Reicio – I reject • Respondeo – I reply, answer • Vendo – I sell 25 • Volo – I want, wish LEXICON EX “SINIS” … Nomina • Colloquium – Conference, discussion • Dies – Day • Exemplum – Example • Futurum – Future • Innovatio – Innovation • Intelligentia – Intelligence • Potestas – Power • Progressio – Progress • Promotio – Promotion • Qualitas – Quality • Ratio – System, method • Robotum – Robot • Themata – Theme, subject Adiectiva • Artificialis – Artificial • Humaniformis – Humanoid • Industrialis – Industrial • Interactivus – Interactive • Novus – New Verba • Duceo – I lead • Revelo – I reveal • Tracto – I handle, discuss LEXICON EX “SINIS” … Nomina • Economia – Economy • Flumen – River, stream • Hereditas – Heritage, inheritance • Mercatus – Market 26 • Mundi – World (genitive singular of Mundus) • Potentia – Power, potential • Vigor – Strength, vigor • Ver – Spring (season) Adiectiva • Novus – New • Sinensis – Chinese • Iucundus – Pleasant, enjoyable • Vividissimus – Very vivid, most vivid Verba • Demonstrato – I demonstrate • Vivo – I live SI NUNTII IN LINGUA LATINA TRADUCTOR ESSE VOLUERIS, QUAESO LITTERAM ELECTRONICAM AD lpesquera@up.edu.mx MITTAS’. If you would like to collaborate as a translator in Nuntii in Lingua Latina, please send an email to lpesquera@up.edu.mx

Escucha 'Gente Viajera', el programa de viajes de Onda Cero. Esta vez desde el Parque Nacional de Monfragüe, Cáceres, con motivo de la XX Feria Internacional de Turismo Ornitológico, FIO 2025

No final de 2024, um objeto pesando uma tonelada, com oito metros de largura e quatro de altura, desembarcou numa aldeia do povo Wauja, no Território Indígena do Xingu. Parecia uma pedra enorme, uma gruta da qual todo mundo ali já tinha ouvido falar. Era ela e, ao mesmo tempo, não era. Era uma réplica feita com impressora 3D. Existem vários motivos pra reproduzirem uma obra de arte, um monumento, um objeto histórico. Algumas réplicas são feitas pra enganar – como quadros falsificados –, outras pra homenagear – como aquelas estátuas de cera de celebridades. Mas todas elas fazem a gente lembrar do que não está ali: o item original. (Essa história foi produzida com apoio do Instituto Socioambiental, o ISA. Há 30 anos, o ISA trata meio ambiente e pessoas de forma integrada, e luta em defesa dos direitos de povos indígenas, quilombolas, ribeirinhos e comunidades tradicionais nos corredores de Brasília, nas aldeias e nas comunidades.) Conheça o podcast Fio da Meada, novo original da Rádio Novelo, em que Branca Vianna conversa com convidados que têm o que dizer sobre os mais diversos assuntos, pra inspirar você a tecer seu próprio ponto de vista. Toda segunda-feira no Spotify e nos outros apps de áudio: https://encurtador.com.br/WUDSO Palavras-chave: povos indígenas, demarcação, patrimônio, meio ambiente Learn more about your ad choices. Visit megaphone.fm/adchoices

De novo, de novo e mais uma vez. No primeiro ato: a reserva que virou uma caixa de fósforos. Por Flora Thomson-DeVeaux. No segundo ato: a caixa de comentários que virou sessão de terapia. Por Carol Pires. A história "Sísifo na floresta" teve o apoio do iCS – Instituto Clima e Sociedade. Conheça o podcast Fio da Meada, novo original da Rádio Novelo, em que Branca Vianna conversa com convidados que têm o que dizer sobre os mais diversos assuntos, pra inspirar você a tecer seu próprio ponto de vista. Toda segunda-feira no Spotify e nos outros apps de áudio: https://encurtador.com.br/WUDSO Palavras-chave: Museu Goeldi, Resex, Jauarituba, Erika Berenguer, Ima Vieira, Marcos Benassi, Folha de S.Paulo, WhatsApp Learn more about your ad choices. Visit megaphone.fm/adchoices

Ao acordar num hospital, Neide Melo se surpreendeu ao ver ao seu lado o rapaz que ela tinha acabado de conhecer numa entrevista de emprego. E ele, por sua vez, ficou mais surpreso ainda quando ela disparou as perguntas: “Eu bati o carro? O que você está fazendo aqui?” A escalada da perplexidade chegou às alturas quando ele revelou que eles eram casados e tinham juntos uma filha. Por Paula Scarpin. Conheça o podcast Fio da Meada, novo original da Rádio Novelo, em que Branca Vianna conversa com convidados que têm o que dizer sobre os mais diversos assuntos, pra inspirar você a tecer seu próprio ponto de vista. Toda segunda-feira no Spotify e nos outros apps de áudio: https://encurtador.com.br/WUDSO Palavras-chave: Amnésia, AVC, derrame, casamento, maternidade Learn more about your ad choices. Visit megaphone.fm/adchoices

Condições extremas de temperatura e pressão.  No primeiro ato: uma busca improvável. Por Bia Guimarães. No segundo ato: alarmes falsos e pânico verdadeiro. Por Leandro Aguiar. (A história "Soa a sirene em Santa Bárbara" foi produzida com apoio da Fundação Heinrich Böll, uma organização política alemã com projetos em mais de 60 países. No Brasil a organização contribui para o fortalecimento da democracia e para a garantia de direitos.) Conheça o podcast Fio da Meada, novo original da Rádio Novelo, em que Branca Vianna conversa com convidados que têm o que dizer sobre os mais diversos assuntos, pra inspirar você a tecer seu próprio ponto de vista. Toda segunda-feira no Spotify e nos outros apps de áudio: https://encurtador.com.br/WUDSO Palavras-chave: Amazônia, ciência, crise climática, Santa Bárbara, Minas Gerais, mineração, barragens Learn more about your ad choices. Visit megaphone.fm/adchoices

Summary   In this episode, Blockchain Wayne interviews Aaron Ting from ICP Hub Singapore, exploring his journey from the oil and gas industry to the world of cryptocurrency. They discuss the importance of community building, decentralized leadership, and the intersection of blockchain technology with AI. The conversation also touches on the significance of privacy as a human right and the evolving landscape of cryptocurrency regulation globally. Aaron shares insights on the value of freedom and the implications of government oversight in the crypto space. In this conversation, Blockchain Wayne and Aaron Ting discuss the evolving landscape of online identity, privacy, and the role of AI agents in the crypto space. They explore how decentralized identities can enhance privacy and security, the emergence of AI agents as a significant force in the crypto market, and provide an overview of the Internet Computer Protocol (ICP) and its unique capabilities. The discussion highlights the need for innovative solutions to address current challenges in data security and the potential of AI to transform various sectors.   Follow ICP Hub Singapore: https://x.com/icphub_SG  Learn more about ICP: https://internetcomputer.org/    Learn more about FIO: https://fio.net/    Takeaways   Aaron Ting transitioned from oil and gas to cryptocurrency due to market fluctuations. Community building is essential in the crypto space, emphasizing decentralized leadership. Blockchain technology and AI are converging to shape the future of society. Privacy is a fundamental human right that needs to be protected. The US must lead in setting standards for privacy in technology. The value of freedom is often underestimated until experienced in oppressive environments. Regulation should focus on centralized entities holding user funds, not decentralized technologies. The crypto community must continue to advocate for fair treatment and regulation. Historical context is important when discussing accountability in the crypto space. The pandemic highlighted the fragility of perceived freedoms in various countries. Decentralized identities can enhance online privacy. AI agents are becoming a significant force in crypto. FIO handles simplify the user experience in blockchain transactions. The current system for identity verification is broken. AI agents can automate social media engagement. ICP offers a decentralized cloud solution. AI agents can create software based on user prompts. The future may see more AI agents than humans on social media. Caffeine allows users to create software using LLMs. The ICP hub fosters local ecosystems for blockchain development.   Chapters   00:00 Introduction to Aaron Ting and His Background 02:56 Transition from Oil and Gas to Cryptocurrency 05:53 Community Building and Decentralized Leadership 08:55 The Intersection of Blockchain and AI 11:52 Privacy as a Human Right 15:05 The Global Landscape of Cryptocurrency Regulation 17:49 The Value of Freedom and Privacy 23:54 The Impact of Online Identity and Privacy 27:06 The Rise of AI Agents in Crypto 39:43 Understanding Internet Computer Protocol (ICP) and Its Ecosystem

Uma pergunta banal e consequências desconcertantes.  No primeiro ato: um adolescente enfrenta um monopólio. Por Natália Silva. No segundo ato: a anatomia de uma mentira. Por Vanessa Barbara. Conheça o Fio da Meada, novo podcast original da Rádio Novelo, em que Branca Vianna conversa com convidados que têm o que dizer sobre os mais diversos assuntos, pra inspirar você a tecer seu próprio ponto de vista. Toda segunda-feira no Spotify e nos outros apps de áudio: https://encurtador.com.br/WUDSO Palavras-chave: Rafael Mafei, Tathiane Piscitelli, adolescência, criação dos filhos, CPF, relacionamento abusivo, misoginia, machismo.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Histórias sobre o que acontece entre a partida e a chegada.  No primeiro ato: 600 km a pé pelo Nordeste, junto com um figurão da MPB. Por Vitor Hugo Brandalise e Mariama Correia. No segundo ato: uma guerra, um cemitério e o futuro da Amazônia. Por Bia Guimarães. A história "Os novos cabanos" teve o apoio do iCS - Instituto Clima e Sociedade.  Conheça o podcast Fio da Meada, novo original da Rádio Novelo, em que Branca Vianna conversa com convidados que têm o que dizer sobre os mais diversos assuntos, pra inspirar você a tecer seu próprio ponto de vista. Toda segunda-feira no Spotify e nos outros apps de áudio: https://encurtador.com.br/WUDSO Palavras-chave: travessia, viagem a pé, andarilhos, Paulo Diniz, Juareyz Correia, MPB, Pingos de Amor, Estradas, Soul Music, meio ambiente, conflito agrário, Amazônia, juventude Learn more about your ad choices. Visit megaphone.fm/adchoices

Palhaços e gêmeas tentando se encontrar. No primeiro ato: um mundo em desequilíbrio. Por Bia Guimarães. No segundo ato: ser Celia ou Celma na vida? Por Paula Scarpin. Conheça o podcast Fio da Meada, novo original da Rádio Novelo, em que Branca Vianna conversa com convidados que têm o que dizer sobre os mais diversos assuntos, pra inspirar você a tecer seu próprio ponto de vista. Toda segunda-feira no Spotify e nos outros apps de áudio: https://encurtador.com.br/WUDSO Palavras-chave: palhaço, Augusto e Branco, circo, gêmeas cantoras Learn more about your ad choices. Visit megaphone.fm/adchoices

Summary   In this episode, Blockchain Wayne interviews Robert from Mynth, discussing Robert's journey into the blockchain space, the vision behind Mynth, and the technology that enables interoperability between different blockchains. They explore the current development stage of Mynth, its focus on stablecoins, and the importance of user experience in the crypto space. Robert shares insights on upcoming releases and how users can engage with Mynth's ecosystem.   Learn more about Mynth: https://www.mynth.ai/    Learn more about FIO and get your Handle today: https://fio.net/ Takeaways   Robert has a background in tech and data science, transitioning into blockchain in 2013. The vision behind Mynth is to create a seamless interoperability solution for different blockchains. Mynth operates as a network that validates fact statements across various blockchains. The focus is currently on stablecoins, with plans to expand to other tokens in the future. User experience is a priority, aiming for a seamless interaction without users needing to understand the underlying technology. Mynth is not a blockchain but sits on top of existing blockchains to enhance their functionality. The team has integrated nine blockchains and aims to reach 25 by 2025. Mynth's technology allows for quick swaps between tokens without the need for traditional bridging. Community engagement is facilitated through Discord and other social platforms. The upcoming IDO will allow users to purchase the Mynth token across multiple blockchains.   Chapters   00:00 Introduction to Blockchain Wayne and Robert 02:51 Robert's Journey into Blockchain and NFTs 05:50 The Vision Behind Mynth 08:49 Understanding Mynth's Technology and Functionality 12:09 Current Development Stage and Future Plans for Mynth 15:01 User Experience and Interaction with Mynth 18:06 Upcoming Releases and Community Engagement

Tudo o que você queria saber (e até o que não queria) sobre um grande mistério da ceia de Natal no Brasil. Nesse fim de ano, o Rádio Novelo Apresenta vai fazer uma espécie de ritual aqui do programa. A gente traz de volta um dos nossos primeiros episódios, que foi ao ar pela primeira vez em dezembro de 2022. Um episódio que responde a uma pergunta que – a exemplo de outros rituais e piadinhas infames – costuma ocorrer a muita gente na época do Natal. Um mistério natalino brasileiro, finalmente desvendado. O que, afinal, é o Chester, essa ave natalina que um dia pousou no meio da mesa e dali não saiu mais? Por Vitor Hugo Brandalise Conheça o podcast Fio da Meada, novo original da Rádio Novelo, em que Branca Vianna conversa com convidados que têm o que dizer sobre os mais diversos assuntos, pra inspirar você a tecer seu próprio ponto de vista. Toda segunda-feira no Spotify e nos outros apps de áudio: https://encurtador.com.br/WUDSO Palavras-chave: Chester, Perdigão, Peru da Sadia, ceia de Natal Learn more about your ad choices. Visit megaphone.fm/adchoices

Fio Vitelli es una reconocida conferencista y CEO de Fio Vitelli's Health Club, ha dedicado su carrera a transformar vidas y organizaciones a través del bienestar integral. Con una amplia experiencia en el campo de la salud y el desarrollo personal, Fio ha desarrollado un enfoque único para optimizar el rendimiento y la felicidad tanto a nivel individual como empresarial. Suscribete y Visitanos en: www.RecetaDelExito.com Apple Podcast (iTunes): https://apple.co/2Igcnoh Listo para Crear tu Podcast?  www.CursoDePodcastGratis.com Twitter Handle:  @alexdalirizo Facebook Page:  https://www.facebook.com/recetadelexito/ RDExito:  http://recetadelexito.com  Instagram:  https://www.instagram.com/recetadelexito/ Instagram: https://www.instagram.com/alexdalirizo/ Tiktok: https://www.tiktok.com/@rdexito?_t=8qBk0mY9HvR&_r=1 Spotify:  https://spoti.fi/3cmJqVs

Estadistas mirins e anciões encaram o mapa-múndi. No primeiro ato: uma ex-ministra e ex-deusa reflete sobre sua trajetória. Por Flora Thomson-DeVeaux. No segundo ato: um ex-guerrilheiro e ex-presidente deixa lições para o futuro. Por Carol Pires. Conheça o podcast Fio da Meada, novo original da Rádio Novelo, em que Branca Vianna conversa com convidados que têm o que dizer sobre os mais diversos assuntos, pra inspirar você a tecer seu próprio ponto de vista. Toda segunda-feira no Spotify e nos outros apps de áudio: https://encurtador.com.br/WUDSO Palavras-chave: Jogo da paz, Pepe Mujica, ex-presidente do Uruguai Learn more about your ad choices. Visit megaphone.fm/adchoices

Os convidados do programa Pânico dessa terça-feira (17) são Henrique Prata, Chitãozinho e Xororó. Henrique Prata: Presidente do Hospital de Amor. Empreendedor nato, ele é fazendeiro, agropecuarista e piloto privado e comercial. Cedo optou pelo trabalho em detrimento dos estudos. Aos 15 anos, já trabalhava na fazenda de seu avô. Aos 33, abraçou a mais difícil de todas as tarefas: administrar o Hospital de Amor. Sem curso de Medicina, jaleco branco ou estetoscópio, levou adiante o que se tornou sua missão de vida: curar milhares de pessoas com câncer em um atendimento gratuito, humanizado e de qualidade, gerindo e captando recursos para manter o hospital. Até o momento, já publicou alguns livros: Acima de Tudo o Amor, A Providência e, o mais recente, O Parque dos Lobos. Homem de fé, sua missão é salvar vidas, tendo percorrido mais de 20 países para aprender o que há de melhor no mundo e implementar no Hospital de Amor. PIX PARA DOAÇÃO AO HOSPITAL: panico@hospitaldeamor.com.br Chitãozinho e Xororó: Reis da música sertaneja, os irmãos atingiram a marca de 40 milhões de discos vendidos, 37 álbuns inéditos, onze DVDs, seis prêmios Grammy, centenas de discos de ouro, platina e diamante, programas de televisão e uma homenagem da X-9 Paulistana que contou sua história. A dupla gravou o primeiro disco, “Galopeira”, em 1970, mas o sucesso veio oito anos depois com “60 Dias Apaixonados”, que deu o primeiro disco de ouro. O reconhecimento do grande público veio em 1982 com a música “Fio de Cabelo”, que vendeu mais de 1,5 milhão de cópias. Ao longo da carreira, criaram clássicos como “Se Deus Me Ouvisse”, “Fogão de Lenha”, “No Rancho Fundo”, “Brincar de Ser Feliz”, “Página de Amigos” e “Alô”, entre outros. Entre 2022 e 2023, os artistas iniciaram as comemorações dos 50 anos de carreira, com uma turnê inédita e mundial, além de uma série de projetos que incluem livros, gibi e um quadro especial.

Summary   In this episode, Blockchain Wayne interviews Justin from Quidli, discussing their innovative approach to integrating cryptocurrency payments into social platforms. They explore Justin's background in finance and crypto, the evolution of Quidli, and the importance of community engagement through tokens. The conversation also touches on the future of tokens, the role of meme coins, and the necessity of distribution in the crypto space.   Learn more about Quidli: https://quid.li/  Learn more about FIO and get your Handle today: https://fio.net/ Takeaways   Justin's journey into crypto began with the pain of cross-border banking. Quidli aims to be a social middle layer for token payments. The integration of crypto payments into popular messaging apps is crucial. Community engagement can be enhanced through token distribution. Meme coins have potential for true utility beyond speculation. The crypto market is not a zero-sum game; multiple tokens can coexist. Tokens will become a normal part of digital interactions. Distribution is key for the survival of many tokens. Digital finance offers seamless transactions compared to traditional finance. Quidli is focused on bridging Web2 and Web3 experiences.   Chapters   00:00 Introduction to Quidli and Backgrounds 11:00 Understanding Quidli's Role in Crypto Payments 23:00 Engagement Strategies with Tokens and Meme Coins 28:00 The Future of Tokens and Distribution

Join this special edition of Hot Topics as Richard Carthon, Joshua Krieger, and guest Wayne Marcel discuss cutting-edge developments in the world of Web3. This episode delves into Google unveiling a groundbreaking quantum supercomputer, Microsoft shareholders rejecting Bitcoin on the balance sheet, an exciting $2 million Web3 treasure hunt, and FIO's milestone of registering 2 million handles on-chain. Tune in for insights on these fascinating topics and the future of Web3 technology and adoption.Support us through our Sponsors! ☕️

Como o Brasil virou o país das apostas. No primeiro ato: aposta no azar. Por Carol Pires. No segundo ato: o comportamento de um viciado. Por Natália Silva. A história "Dobrando a aposta" foi produzida com apoio da Umane, associação civil independente, isenta e sem fins lucrativos, que apoia iniciativas no âmbito da saúde pública com o objetivo de contribuir com um sistema de saúde mais resolutivo e de melhorar a qualidade de vida da população brasileira. Saiba mais sobre a sua atuação acessando umane.org.br Conheça o podcast Fio da Meada, novo original da Rádio Novelo, em que Branca Vianna conversa com convidados que têm o que dizer sobre os mais diversos assuntos, pra inspirar você a tecer seu próprio ponto de vista. Toda segunda-feira no Spotify e nos outros apps de áudio: https://encurtador.com.br/WUDSO Palavras-chave: bets, governo Temer, governo Bolsonaro, Paulo Guedes, Damares Alves, governo Lula, vício em apostas, vício em jogo, bingos, cassinos. Learn more about your ad choices. Visit megaphone.fm/adchoices

Gravado na Livraria Canoa em 02/11/2024 Antonio Cícero - Inverno Alberto Pucheu via Tarso de Melo - Um Mergulho e seu Avesso Wislawa Szymborska - Correio Literário Sophia de Mello Breyner Andresen - Mar Patricia Lino - Penedo da Saudade / Nossa Senhora do Convívio (A Ilha das Aflições - Circulo de Poemas) Micheliny Verunschk - Geografia Intima do Deserto Ana Marta Cattani lê Adilia Lopes e poemas do livro Tutano Tatiana Eskenazi lê poema feito no Itinerário Lilian Sais - Palavra Nenhuma Participação de Edson Souza, jornalista do Arquivo Ilhabela Edilce Carvalho - livro Fio da Meada Maristela Colucci conta do projeto Memórias de Uma Ilha e lê poema de Dona Doquinha Participantes do Itinerário de Poesia Ilhabela: Karin Tatijewski Sandro Capestrani Helena Troper Carol Vogler Viviane Magri Dinamarco Ester Castelar Luciana Ferreira Angelo Maykell Carvalho Patricia Palumbo lê Neruda pra finalizar

Summary   In this episode, Blockchain Wayne interviews Mr. Blue from Levr, a platform that innovatively combines sports betting with decentralized finance (DeFi). Mr. Blue shares his background in cryptocurrency and mining, the development journey of Levr, and how it aims to revolutionize sports betting by offering leverage and true odds. The conversation also covers the user experience, future sports offerings, and how Levr differentiates itself from traditional betting platforms. This episode is not financial advise or an endorsement of any company or platform and is merely for informational purposes only.    Learn more about Levr:  https://www.levr.bet/    Learn more about FIO and get your Handle today: https://fio.net/   Takeaways   Mr. Blue started in cryptocurrency through Ethereum mining. Levr combines sports betting with DeFi for innovative solutions. The platform allows users to leverage their bets up to 5X. Levr aims to provide true odds and deep liquidity. User experience is designed for both advanced and casual bettors. The platform will support a variety of sports including NBA, NFL, and UFC. Levr seeks to attract users by making betting fun and accessible. The development of Levr took about two years, influenced by market conditions. Levr differentiates itself by being fully decentralized and on-chain. The goal is to create a community-driven platform that evolves with user feedback.   Chapters   00:00 Introduction to Levr and Background of Mr. Blue 02:11 Innovative Approach to Sports Betting and DeFi 05:57 Development Journey of Levr 11:54 User Experience and Accessibility of Levr 16:35 Future Sports and Betting Options on Levr 24:15 Differentiating Levr from Traditional Betting Platforms

Summary   In this episode, Blockchain Wayne interviews Fadi, a key opinion leader in the crypto space, discussing his journey in building a community focused on decentralized exchanges and crypto education. They explore the importance of credibility, the challenges of trading in bear markets, and the dynamics of meme coins versus utility-based projects. Fadi shares insights on staking, long-term holding strategies, and offers advice for new users looking to navigate the crypto landscape responsibly.   Learn more about Mr. Crypto:  https://mrcrypto.be/    Learn more about FIO and get your Handle today: https://fio.net/   Takeaways   Building a community in the bear market was a huge success for Fadi. Credibility is crucial in the crypto space; trust is built over time. Long-term holding of Bitcoin can be challenging but rewarding. Staking can provide returns, but it's essential to understand the risks. Meme coins are often speculative and should be approached with caution. Research is vital before investing in any crypto project. Diversifying wallets can help protect against hacks. Community engagement is key to sharing knowledge and opportunities. New users should seek educational content over hype-driven advice. The market will eventually shift focus from meme coins to utility-based projects.   Chapters   00:00 Introduction to Crypto Community Building 03:09 Fadi's Journey in Crypto 06:02 Building a Community in a Bear Market 08:59 Credibility and Trust in Crypto 12:06 Long-Term Holding vs. Short-Term Trading 14:55 Staking and Earning Returns 18:03 Meme Coins and Speculation 20:59 Future of Altcoins and Market Trends 23:52 Advice for New Crypto Users

A arte de surpreender e enfurecer pessoas. No primeiro ato: interrompemos a programação para uma notícia extraordinária. Por Paula Scarpin com Felipe Canêdo. No segundo ato: ninguém resiste a um truque de mágica. Por Carolina Moraes. Conheça o podcast Fio da Meada, novo original da Rádio Novelo, em que Branca Vianna conversa com convidados que têm o que dizer sobre os mais diversos assuntos, pra inspirar você a tecer seu próprio ponto de vista. Toda segunda-feira no Spotify e nos outros apps de áudio: https://encurtador.com.br/WUDSO Palavras-chave: rádio, teatro, Orson Welles, Braga, Portugal, Equador, Quito, São Luís, Maranhão, Ilê Sartuzi, British Museum, roubo no museu, colonialismo. Learn more about your ad choices. Visit megaphone.fm/adchoices

Um representante renegado e um garoto propaganda acidental. No primeiro ato: a cara do Brasil, sob céu africano. Por Ana Paula Rocha. No segundo ato: um faz de contas estatal. Por Natália Silva. Conheça o podcast Fio da Meada, novo original da Rádio Novelo, em que Branca Vianna conversa com convidados que têm o que dizer sobre os mais diversos assuntos, pra inspirar você a tecer seu próprio ponto de vista. Toda segunda-feira no Spotify e nos outros apps de áudio: https://encurtador.com.br/WUDSO Palavras-chave: Itamaraty, Quixote nas trevas, Raymundo Souza Dantas, racismo, diplomacia, Amazônia, Transamazônica, Juarez Transamazônico, Ditadura Militar, Nordeste, Norte. Learn more about your ad choices. Visit megaphone.fm/adchoices

David Jacobowitz is a marketer turned chocolatier…well actually he impressively still does both. He is the founder and sole employee of Nebula snacks. As a self-proclaimed super snacker he found himself taking his sweet tooth to the next level, and maybe a bit too far during COVID….experiencing weight gain, poor sleep and inflammation due to excess sugar intake. It was through this that he had the idea to create Nebula a chocolate free of sugar, sugar alcohols and artificial sweeteners.  It took him three years of experimenting to develop his treat for today's conscious super snacker - chocolate that delivers the flavor without the sugar.  Launched at the end of 2021, Nebula Snacks started with two zero sugar chocolate bars, a dark and an oat milk chocolate. While many enjoyed the chocolates, there was a plethora of feedback from the crew requesting smaller sizes and exciting flavors. Back to the drawing board, it took nearly a full additional year to create the new Nebula Zero Sugar Added Chocolate Bites!   He invites us all to join the sweet rebellion and fight for a healthier snacking future.    During our conversation we discuss:  Falling into entrepreneurship, his journey into the hustle life, and transitioning from marketing to launching his own chocolate brand  How his late night COVID chocolate binges, a passion for snacking and a spark of an idea and turning it into a business How he balances his time having a full-time job and being the only employee of Nebula snacks  Why he wanted to create a low sugar chocolate that's free from artificial ingredients, which ingredients he uses and the trial and error creating the recipe - how he created the mint flavor is fascinating Gathering customer feedback to define the products and brand  The obstacles he faced in starting a business, embracing a learning mindset to navigate the food industry, and learning how to handle a “no”  The importance of surrounding yourself with likeminded people and how he leans on fellow entrepreneurs for learning opportunities especially around brand building  His future aspirations for Nebula snacks     Use code FIO at checkout at Nebulasnacks.com to receive 15% off.    LINKS:  Follow Nebular on Instagram Nebula Website   Follow Me on Instagram 

My holiday gift guides are finally here! In this episode, I go into detail on my holiday gift guide sharing some of my favorite gifts to give and receive and why. I hope this episode provides you with some creative inspiration and joy to help you find the perfect gift for your loved ones.  Shop them here! Don't forget to use the code FIO on Cozyearth.com for 40% off your order!

Quando o gato tira os óculos. No primeiro ato: o que acontece no outro andar. Por Dani Avelar. No segundo ato: a foto de uma falta. Por Carolina Moraes. Conheça o podcast Fio da Meada, novo original da Rádio Novelo, em que Branca Vianna conversa com convidados que têm o que dizer sobre os mais diversos assuntos, pra inspirar você a tecer seu próprio ponto de vista. Toda segunda-feira no Spotify e nos outros apps de áudio: https://encurtador.com.br/WUDSO Palavras-chave: Le Closet, sair do armário, LGBT, LGBTQIA+, crossdresser, travesti, fotografia, artes visuais, Eustáquio Neves, racismo. Learn more about your ad choices. Visit megaphone.fm/adchoices

Para entender nuestro presente, hay que indagar en nuestro pasado, y no hablamos solo de nuestra niñez, sino también de nuestras vidas pasadas. Pero, ¿Cómo podemos reconectar con esas memorias que almacenamos en nuestro subconsciente? Conversamos con Fiorella Fuentes (@fiofuentesyoga) sobre las regresiones y cómo, a través de la hipnosis terapéutica, más conocida como meditación, podemos reconectar con aquellas memorias que hemos suprimido y entender por qué nos sentimos de determinadas maneras sin razón alguna. Fio nos cuenta sobre la importancia de las regresiones de útero para sanar los vínculos con nuestras mamás, y nos explica cómo las fobias o los miedos del presente, probablemente tienen su origen en alguna vida pasada.

Summary   Listen in to find the message on what to do to qualify for our drawings for 10 tickets to Wagmi Miami. Share and comment on the episode in Facebook, X, or directly on YouTube to be eligible. In this episode, Blockchain Wayne interviews Moe Levin, founder of the North American Bitcoin Conference and Wagmi Miami. They discuss the significance of crypto events in fostering community and innovation, Moe's journey into organizing events, the evolution of the crypto landscape, and what attendees can expect from Wagmi Miami. The conversation emphasizes the importance of in-person connections, the value of networking, and advice for newcomers to the crypto space.   Learn more about Wagmi Miami and get tickets today: http://wagmi.miami/    Learn more about FIO and get your Handle today: https://fio.net/   Takeaways   Events are crucial for building community and connections in the crypto space. Moe Levin's journey began with a serendipitous encounter at a supply chain conference. The North American Bitcoin Conference has evolved significantly since its inception. Wagmi Miami aims to provide immense value to attendees through quality speakers and networking opportunities. In-person events facilitate connections that virtual meetings cannot replicate. Miami has become a hub for crypto innovation and events. The importance of concise and engaging presentations at conferences. Newcomers to crypto should start small and educate themselves before investing. Every industry has a blockchain application, and knowledge from other fields is valuable. User experience is key to mass adoption of crypto technologies.   Chapters   00:00 The Importance of Crypto Events 02:32 Moe Levin's Journey into Crypto Events 06:31 The Evolution of the Crypto Landscape 14:45 Wagmi Miami: What to Expect 25:13 Advice for the Crypto Curious

Mulheres e botos que se vêem obrigados a gritar. No primeiro ato: dores de cabeça no reino de Poseidon. Por Ana Pinho. No segundo ato: um clube só para homens. Por Luiza Silvestrini. Conheça o podcast Fio da Meada, novo original da Rádio Novelo, em que Branca Vianna conversa com convidados que têm o que dizer sobre os mais diversos assuntos, pra inspirar você a tecer seu próprio ponto de vista. Toda segunda-feira no Spotify e nos outros apps de áudio: https://encurtador.com.br/WUDSO Palavras-chave: cetáceos, poluição sonora, UERJ, Lis Bittencourt, língua portuguesa, linguagem neutra, plural masculino, ABL, Júlia Lopes de Almeida, literatura, mulheres, machismo. Learn more about your ad choices. Visit megaphone.fm/adchoices

Tiago Bettencourt está em tour com "Fio da Navalha", um espectáculo onde o público pode pedir músicas, fazer dedicatórias no momento.

Navigating Borderline Personality Disorder (BPD) is challenging enough, but what happens when you're seeking help across borders? In this episode, Xannie, Solène and special guest, Fio, share their personal experiences living with BPD while navigating mental health care systems around the world. They talk about seeing therapists across countries like the UK, France, China, and the UAE, and the challenges of finding competent therapists who truly understand BPD. The Bunch explores the impact of cultural views on mental health, the importance of accurate diagnosis, and what it feels like to mask symptoms in therapy. Learn about the hurdles faced when dealing with mental health care providers with limited BPD training, and the importance of finding therapists who understand the full picture. Whether you're struggling with BPD or supporting someone who is, this episode provides insight into the unique, and often misunderstood, world of BPD. Find more from Fio: https://www.instagram.com/borderattitude/ https://www.borderattitude.fr/

Summary   In this episode, Blockchain Wayne interviews Artyom from Web3 Compass, discussing his journey into the Web3 space, the establishment of Blockstars, and the importance of education and advocacy through the Web3 Armenia Foundation. They explore the concept of Web3 as the next iteration of the internet, the challenges and opportunities in the current market, and the innovative search engine Web3 Compass that aims to index decentralized content. The conversation emphasizes the need for community building, education, and the fight against censorship in the evolving digital landscape.   Learn more about Web3 Compass: https://web3compass.net/    Learn more about Web3 Armenia: https://web3.am/    Learn more about FIO and get your Handle today: https://fio.net/ Takeaways   Artyom has a master's degree in cryptography and has been in Web3 since 2015. Blockstars is a leading Web3 development outsourcing company. Education is crucial for the growth of the Web3 ecosystem. Web3 Armenia Foundation focuses on lobbying, education, and investment support. The first bachelor's degree in Web3 is offered in Armenia. Web3 Compass aims to create a search engine for decentralized content. Censorship in the digital space is a significant concern. Building during bear markets leads to more meaningful projects. Community engagement is essential for Web3 adoption. Web3 will eventually be integrated into all companies, not just those labeled as Web3. Chapters   00:00 Introduction to Web3 and Artyom's Background 02:54 Building Blockstars and Navigating Market Cycles 05:47 Web3 Armenia Foundation: Education and Advocacy 09:10 Web3 Compass: The Next Iteration of the Internet 12:00 Search Trends and User Engagement on Web3 Compass 14:49 Future Directions for Web3 Compass 17:50 Censorship, Privacy, and the Importance of Decentralization 21:12 Conclusion and Resources for Further Learning

Neste episódio, a gente traz de volta a história do Pedro Henrique, que foi publicada aqui no Rádio Novelo Apresenta um ano atrás. A gente decidiu publicar de novo essa história porque ela acabou de ganhar um dos prêmios jornalísticos mais importantes do país: o prêmio Vladimir Herzog de Jornalismo e Direitos Humanos 2024. E nós queremos que mais pessoas conheçam a história do Pedro Henrique. É uma história exemplar da rotina de perseguições e violência da polícia que mais mata no Brasil. Por Tailane Muniz. (Essa história foi apoiada pela Anistia Internacional, um movimento global com mais de 10 milhões de pessoas, que realiza ações e campanhas em mais de 150 países para que os direitos humanos internacionalmente reconhecidos sejam respeitados e protegidos. Saiba mais em anistia.org.br) Os episódios do mês de outubro são um oferecimento de Jiveworld, um aplicativo que ensina o inglês do mundo real, com histórias dos melhores podcasts americanos. E você, que é ouvinte da Rádio Novelo, tem 30% de desconto na assinatura do aplicativo. É só acessar o site: https://www.jiveworld.com/pt/a/radio-novelo/ Conheça o podcast Fio da Meada, novo original da Rádio Novelo, em que Branca Vianna conversa com convidados que têm o que dizer sobre os mais diversos assuntos, pra inspirar você a tecer seu próprio ponto de vista. Toda segunda-feira no Spotify e nos outros apps de áudio: https://encurtador.com.br/WUDSO Palavras-chave: violência policial, polícia militar, letalidade policial, protestos, violência na Bahia, Pedro Henrique Santos Cruz, Learn more about your ad choices. Visit megaphone.fm/adchoices

Summary In this episode, Blockchain Wayne interviews Nikita Ovchinnik, co-founder of Barter, discussing his journey into the crypto space, the role of Barter in the DeFi ecosystem, and the ongoing challenges and opportunities within decentralized finance. They explore the differences between centralized and decentralized exchanges, the importance of user experience, and the implications of Uniswap's new layer 2 solution. Learn more about Barter: https://barterswap.xyz/  Learn more about FIO and get your Handle today: https://fio.net/ Takeaways Nikita has been in crypto since 2017, initially skeptical about its safety. Barter aims to provide a transparent and efficient trading experience in DeFi. Centralized exchanges pose significant risks, including hacks and market manipulation. User experience is a major barrier to DeFi adoption. DeFi has not yet reached its full potential, but progress is being made. Uniswap's new layer 2 could change the landscape for DeFi applications. Education is crucial for users to understand DeFi's benefits and risks. Barter focuses on empowering users through better trading solutions. The future of DeFi includes more efficient and user-friendly platforms. Transparency and trust are essential for the growth of DeFi. Chapters 00:00 Introduction to Barter and Nikita's Background 05:56 Understanding Barter's Role in DeFi 10:27 Centralized vs. Decentralized Exchanges 14:59 The Future of DeFi and User Experience 21:25 Uniswap's New Layer 2 and Its Implications

Recados da crise migratória e das profundezas do planeta. No primeiro ato: um grupo de imigrantes buscam outra vida na selva da morte. Por Carol Pires. No segundo ato: qual mensagem esse "arauto da desgraça" traz dessa vez? Por Vitor Hugo Brandalise. Os episódios do mês de outubro são um oferecimento de Jiveworld, um aplicativo que ensina o inglês do mundo real, com histórias dos melhores podcasts americanos. E você, que é ouvinte da Rádio Novelo, tem 30% de desconto na assinatura do aplicativo. É só acessar o site: https://www.jiveworld.com/pt/a/radio-novelo/ Conheça o podcast Fio da Meada, novo original da Rádio Novelo, em que Branca Vianna conversa com convidados que têm o que dizer sobre os mais diversos assuntos, pra inspirar você a tecer seu próprio ponto de vista. Toda segunda-feira no Spotify e nos outros apps de áudio: https://encurtador.com.br/WUDSO Palavras-chave: No Vengan, tampão do Darién, Natalie Gallón, Boom, Jon Lee Anderson, imigração, biologia marinha, superstição, azar Learn more about your ad choices. Visit megaphone.fm/adchoices

Luiza Erundina entrou para a política aos 25 anos e hoje, aos 89, permanece como um dos nomes mais lembrados da esquerda brasileira. Mas Erundina quer mais do que apenas ser lembrada. Ela quer que sua história motive novas lideranças no campo progressista e acha que o caminho é a comunicação com os jovens: "nisso a direita está muito mais avançada, ao contrário de nós. Nós estamos muito atrasados". A deputada, que já sofreu preconceito por ser mulher e por ser nordestina, agora, diz sofrer com o fato de ser considerada velha demais para a política, ideia com a qual não concorda. No episódio de estreia do Fio da Meada, novo podcast original da Rádio Novelo, Luiza Erundina conversa com Branca Vianna sobre a crise de sucessão no campo progressista, os desafios da idade na vida política e também sobre a baixa qualidade da Câmara dos Deputados: "está piorando cada vez mais". Acompanhe a Rádio Novelo no Instagram: https://www.instagram.com/radionovelo/ Siga a Rádio Novelo no TikTok: https://www.tiktok.com/@radionovelo Recebe conteúdos extras no canal da Rádio Novelo no WhatsApp: https://radionovelo.com.br/whatsapp Learn more about your ad choices. Visit megaphone.fm/adchoices

Summary   In this episode, Blockchain Wayne interviews Artem from Mighty, discussing the intersection of education, gamification, and blockchain technology. Artem shares his journey as a serial entrepreneur and how his passion for education and gaming led to the creation of Mighty, a platform designed to make learning fun and engaging through gamification. They explore the challenges faced by Web3 gaming and the importance of intrinsic motivation in creating sustainable user engagement. The conversation highlights the innovative features of Mighty and its mission to revolutionize education in the Web3 space.   Learn more about Mighty and see FIO course on Mighty:  https://app.mighty.study/FIO_Protocol    Learn more about FIO and get your Handle today: https://fio.net/ Takeaways   Artem is a serial entrepreneur with a passion for education. Gamification can make learning more engaging and fun. Web3 gaming faces challenges with user motivation. Intrinsic motivation is crucial for long-term engagement. Mighty combines education, blockchain, and gamification. The platform allows users to earn rewards while learning. Mighty offers a course constructor for user-generated content. Utility in NFTs is essential for their value. Web3 projects should focus on solving real-world problems. Thinking outside the box is key for Web3 founders. Chapters   00:00 Introduction to Mighty and Background of Artem 05:53 The Importance of Gamification in Education 12:03 Web3 Gaming and Its Challenges 19:58 Mighty: A Gamified Learning Platform 27:14 Final Thoughts and Future of Web3 Education

Você que ouve o Rádio Novelo Apresenta vai gostar desta novidade: a Rádio Novelo lançará em 14 de outubro o podcast "Fio da Meada". Nele, Branca Vianna convida entrevistados para conversar e pensar sobre temas atuais em episódios inéditos, publicados às segundas-feiras. Ouça o trailer e conheça o novo podcast no site: https://radionovelo.com.br/fiodameada Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textIn the season 7 finale, Leandra and Elyse are joined by Fio Gede Parma to discuss their book 'The Witch Belongs to the World', and its major themes: what does it really mean to be a witch?  We talk about what initiation really is, the pros and cons of following a particular lineage, and the ins and outs of Fio's tradition, the Wildwood Tradition from so-called Australia.Fio Gede Parma (they/she) is a Balinese-Australian international teacher, magical mentor, and award-winning author. They were born in the island of Bali - to Roslyn and John - and descend from Balinese, Chinese, Irish, Scottish, Welsh, and English peoples. Fio has lived in so-called Australia for most of her life, as north as Thul Garrie Waja/Gurrumbilbarra (Townsville) and as south as Naarm (Melbourne).Fio was raised in an animistic, polytheistic, magic-affirming, spirit-knowing family - in a haunted house - whose traditions were largely impacted by what the west calls Balinese Hinduism. When forced to consider it, some Balinese name their ‘religion' Agama Tirta, Religion of the Holy Water. Ganesha, Siwa (Shiva), Krishna, Parwati Uma, Durga, Hanuman, the Barong and Rangda, the spirits and the ancestors were all spoken of, venerated, and regarded with holy awe. Learn more about their work on her website: https://www.fiogedeparma.com/ Get tickets for Elyse's Raising Energy workshop on 10/24/24 here.Rooted Rituals: Every Day Magic for Overwhelmed Witches, Leandra's first summit is Oct. 10 and 11! Sign up here for free and enjoy talks by over a dozen presenters.Connect with Leandra and Elyse in the Magick Kitchen Pantry: a free and paid community where you're invited to a Wheel of the Year Book Club, and a library of bonus episodes with us! Join through either of our private communities: The Rebel Mystic by Leandra Witchwood and Elyse Welles on Patreon. Follow Elyse @seekingnumina on Instagram and Facebook, and join Seekers of the Sacred Wild, a free Facebook group for weekly live lessons and readings. Sign up for her newsletter, join the Path of the Sacred Wild, book a tarot reading, shop self-paced courses, read her articles, and view her tours and retreats to Greece at seekingnumina.com. Follow Leandra @leandrawitchwood on Instagram, Facebook, and TikTok and find her blog and books at leandrawitchwood.com.Leave us a voicemail for a chance to be featured on an upcoming episode! https://www.speakpipe.com/TheMagickKitchenPodcast

Every American who has a mortgage is required by their bank to have homeowners insurance, but getting it and keeping it is becoming a challenge. In this episode, hear the highlights of a Senate hearing examining the problems in the homeowners insurance market and why they might lead to much bigger problems next time disaster strikes. Please Support Congressional Dish – Quick Links Contribute monthly or a lump sum via Support Congressional Dish via (donations per episode) Send Zelle payments to: Donation@congressionaldish.com Send Venmo payments to: @Jennifer-Briney Send Cash App payments to: $CongressionalDish or Donation@congressionaldish.com Use your bank's online bill pay function to mail contributions to: Please make checks payable to Congressional Dish Thank you for supporting truly independent media! Background Sources Effects of Climate on Insurance Christopher Flavelle and Mira Rojanasakul. May 13, 2024. The New York Times. Chris Van Hollen et al. September 7, 2023. Chris Van Hollen, U.S. Senator for Maryland. Alice C. Hill. August 17, 2023. Council on Foreign Relations. Insurance Information Institute. Antonio Grimaldi et al. November 19, 2020. McKinsey & Company. Lobbying OpenSecrets. OpenSecrets. OpenSecrets. Heritage Foundation SourceWatch. Demotech William Rabb. April 15, 2024. Insurance Journal. Parinitha Sastry et al. December 2023. Fannie Mae Adam Hayes. May 17, 2023. Investopedia. Hurricanes National Oceanic and Atmospheric Administration. National Oceanic and Atmospheric Administration. Audio Sources Senate Committee on the Budget June 5, 2024 Witnesses: Glen Mulready, Insurance Commissioner, State of Oklahoma Rade Musulin, Principal, Finity Consulting Dr. Ishita Sen, Assistant Professor of Finance, Harvard Business School Deborah Wood, Florida Resident , Research Fellow, Heritage Foundation's Grover Hermann Center for the Federal Budget Clips 23:05 Sen. Sheldon Whitehouse (D-RI): In 2022 and 2023, more than a dozen insurance companies left the Florida residential market, including national insurers like Farmers. Residents fled to Citizens Property Insurance, the state backed insurer of last resort, which ballooned from a 4% market share in 2019 to as much as 17% last year. If it has to pay out claims that exceed its reserves, citizens can levy a surcharge on Florida insurance policy holders across the state. Good luck with that. Particularly if the surcharge grows to hundreds or even thousands of dollars to depopulate its books. Citizens has let private insurers cherry pick out its least risk policies. Those private insurers may have problems of their own, as we will hear today. 25:10 Sen. Sheldon Whitehouse (D-RI): The federal budget takes a hit because these insurers and their policies are accepted by Freddie Mac and Fannie Mae, who either own or guarantee a large part of our $12 trillion mortgage market. This all sounds eerily reminiscent of the run-up to the mortgage meltdown of 2008, including a role of potentially captive or not fully responsible rating agencies. 25:45 Sen. Sheldon Whitehouse (D-RI): Florida is far from alone. A New York Times investigation found that the insurance industry lost money on homeowners coverage in 18 states last year, and the states may surprise you. The list includes Illinois, Michigan, Utah, Washington, and Iowa. Insurers in Iowa lost money each of the last four years. This is a signal that hurricanes and earthquakes, once the most prevalent perils, are being rivaled by hail, windstorms, and wildfires. 28:00 Sen. Sheldon Whitehouse (D-RI): This isn't all that complicated. Climate risk makes things uninsurable. No insurance makes things unmortgageable. No mortgages crashes the property markets. Crashed property markets trash the economy. It all begins with climate risk, and a major party pretending that climate risk isn't real imperils our federal budget and millions of Americans all across the country. 33:45 Sen. Chuck Grassley (R-IA): Insurance premiums are far too high across the board and may increase after the recent storms, including those very storms in my state of Iowa. Climate change isn't the primary driver of insurance rate hikes and collapse of the insurance industry isn't imminent. Although I'll have to say, Iowa had six property and casualty companies pull out of insuring Iowans. Climate change doesn't explain why auto insurance premiums in 2024 have increased by a whopping 20% year over year. It also doesn't account for the consistent failure of liberal cities to fight crime, which has raised insurance risk and even caused insurers to deny coverage. Expensive liberal policies, not climate change, are much to blame for these market dynamics. 39:00 Sen. Sheldon Whitehouse (D-RI): The first witness is Rade Musulin. Rade is an actuary with 45 years of experience in insurance, specializing in property pricing, natural perils, reinsurance, agriculture, catastrophe, risk modeling, public policy development, and climate risk. Specifically, he spent many years working in Florida, including as chair of the Florida Hurricane Catastrophe Fund Advisory Council during the time in which Citizens Property Insurance Corporation was established. 39:35 Sen. Sheldon Whitehouse (D-RI): Our second witness is Dr. Ishida Sen. Dr. Sen is an Assistant Professor at Harvard Business School. Her recent research examines the pricing of property insurance and the interactions between insurance and mortgage markets. This includes the role that institutions and the regulatory landscape play and the broader consequences for real estate markets, climate adaptation, and our overall financial stability. 40:00 Sen. Sheldon Whitehouse (D-RI): Our third witness is Deb Wood. Ms. Wood and her husband Dan McGrath are both retired Floridians. They moved to South Florida in 1979 and lived in Broward County, which includes Fort Lauderdale for 43 years until skyrocketing insurance premiums became too much. They now reside in Tallahassee, Florida. 40:35 Sen. Chuck Grassley (R-IA): Dr. EJ Antoni is a Research Fellow at the Heritage Foundation Grover M. Hermann Center for the Federal Budget. His research focuses on fiscal and monetary policy, and he previously was an economist at the Texas Public Policy Foundation. Antoni earned his Master's degree and Doctor's degree in Economics from Northern Illinois University. 41:10 Sen. Chuck Grassley (R-IA): Commissioner Glen Mulready has served as Oklahoma's 13th Insurance Commissioner and was first elected to this position in 2019. Commissioner Mulready started his insurance career as a broker in 1984, and also served in the Oklahoma State House of Representatives. 42:15 Rade Musulin: Okay. My name is Ray Muslin. I'm an actuary who has extensive experience in natural hazard risks and funding arrangements for the damage and loss they cause. I've worked with many public sector entities on policy responses to the challenges of affordability, availability of insurance, and community resilience. This work included participating in Florida's response to Hurricane Andrew, which included the creation of the Florida Hurricane Catastrophe Fund and Citizens Property Insurance Corporation. The Cat Fund and Citizens can access different forms of funding than traditional insurance companies. Instead of holding sufficient capital or reinsurance before an event to cover the cost of potential losses, both entities use public sources of capital to reduce upfront costs by partially funding losses post-event through bonding and assessments. All property casualty insurance policy holders, whether in Citizens or not, are subject to its assessments. While the Cat Fund can also assess almost all policies, including automobile, this approach exposes Floridians to debt and repayment if large losses occur, and it subsidizes high risk policies from the entire population. These pools, others like them in other states, and the NFIP have contributed to rapid development in high risk areas driving higher costs in the long run. In Florida, national insurers have reduced their exposure as a significant proportion of the insurance market has moved to Citizens or smaller insurers with limited capital that are heavily dependent on external reinsurance. To date, Florida's system has been successful in meeting its claims obligations, while improvements in building codes have reduced loss exposure. However, for a variety of reasons, including exposure to hurricanes, claims cost inflation, and litigation, Florida's insurance premiums are the highest in the nation, causing significant affordability stress for consumers. According to market research from Bankrate, the average premium for a $300,000 home in Florida is three times the national average, with some areas five times the national average. A major hurricane hitting a densely populated area like Miami could trigger large and long lasting post-event assessments or even exceed the system's funding capacity. Continued rapid exposure growth and more extreme hurricane losses amplified by climate change will cause increasing stress on the nation's insurance system, which may be felt through solvency issues, non-renewals, growth of government pools, and affordability pressure. 44:55 Rade Musulin: Evidence of increasing risk abounds, including Hurricane Otis in 2023, which rapidly intensified from a tropical storm to a cat. five hurricane and devastated Acapulco in Mexico last summer. Water temperatures off Florida exceeded a hundred degrees Fahrenheit last week. As was alluded to earlier, NOAA forecast an extremely active hurricane season for '24. We've seen losses in the Mid-Atlantic from Sandy, record flooding from Harvey, and extreme devastation from Maria, among others. In coming decades, we must prepare for the possibility of more extreme hurricanes and coastal flooding from Texas to New England. 46:50 Dr. Ishita Sen: Good morning Senators. I am Ishita Sen, Assistant Professor at Harvard Business School and my research studies insurance markets. In recent work with co-authors at Columbia University and the Federal Reserve Board, I examine how climate risk creates fiscal and potentially financial instability because of miscalibrated insurer screening standards and repercussions to mortgage markets. 47:15 Dr. Ishita Sen: Insurance is critical to the housing market. Property insurers help households rebuild after disasters by preserving collateral values and reducing the likelihood that a borrower defaults. Insurance directly reduces the risks for mortgage lenders and the Government-Sponsored Enterprises (GSEs) such as Fannie Mae and Freddie Mac Mortgage Lenders therefore require property insurance and the GSEs only purchase mortgages backed by insurers who meet minimum financial strength ratings, which measure insurer solvency and ability to pay claims. The GSEs accept three main rating agencies AM Best, S & P and, more recently, Demotech. And to provide an example, Fannie Mae requires insurers to have at least a B rating from AM Best, or at least an A rating from Demo Tech to accept a mortgage. Now, despite having this policy in place, we find a dramatic rise in mortgages backed by fragile insurers and show that the GSEs and therefore the taxpayers ultimately shoulder a large part of the financial burden. Our research focuses on Florida because of availability of granular insurance market data, and we show that traditional insurers are exiting and the gap is rapidly being filled by insurers, rated by Demotech, which has about 60% market share in Florida today. These insurers are low quality across a range of different financial and operational metrics, and are at a very high risk of becoming insolvent. But despite their risk, these insurers secure high enough ratings to meet the minimum rating requirements set by the GSEs. Our analysis shows that many actually would not be eligible under the methodologies of other rating agencies, implying that in many cases these ratings are inflated and that the GSEs insurer requirements are miscalibrated. 49:20 Dr. Ishita Sen: We next look at how fragile insurers create mortgage market risks. So in the aftermath of Hurricane Irma, homeowners with a policy from one of the insolvent Demotech insurers were significantly more likely to default on their mortgage relative to similar borrowers with policies from stable insurers. This is because insurers that are in financial trouble typically are slower to pay claims or may not pay the full amounts. But this implies severe economic hardships for many, many Floridians despite having expensive insurance coverage in place. However, the pain doesn't just stop there. The financial costs of fragile insurers go well beyond the borders of Florida because lenders often sell mortgages, for example, to the GSEs, and therefore, the risks created by fragile insurers spread from one state to the rest of the financial system through the actions of lenders and rating agencies. In fact, we show two reasons why the GSEs bear a large share of insurance fragility risk. First is that lenders strategically securitize mortgages, offloading loans backed by Demotech insurers to the GSEs in order to limit their counterparty risk exposures. And second, that lenders do not consider insurer risk during mortgage origination for loans that they can sell to the GSEs, even though they do so for loans that they end up retaining, indicating lax insurer screening standards for loans that can be offloaded to the GSEs. 50:55 Dr. Ishita Sen: Before I end, I want to leave you with two numbers. Over 90%. That's our estimate of Demotech's market share among loans that are sold to the GSEs. And 25 times more. That's Demotech's insolvency rate relative to AM Best, among the GSE eligible insurers. 57:15 Glen Mulready: As natural disasters continue to rise, understanding the dynamics of insurance pricing is crucial for both homeowners and policymakers. Homeowners insurance is a fundamental safeguard for what is for many Americans their single largest asset. This important coverage protects against financial loss due to damage or destruction of a home and its contents. However, recent years have seen a notable increase in insurance premiums. One significant driver of this rise is convective storms and other severe weather events. Convective storms, which include phenomena like thunderstorms, tornadoes, and hail, have caused substantial damage in various regions. The cost to repair homes and replace belongings after such events has skyrocketed leading insurance companies to adjust their premiums to cover that increased risk. Beyond convective storms, we've witnessed hurricanes, wildfires, and flooding. These events have not only caused damage, but have also increased the long-term risk profile of many areas. Insurance companies are tasked with managing that risk and have responded by raising premiums to ensure they can cover those potential claims. 58:30 Glen Mulready: Another major factor influencing homeowner's insurance premiums is inflation. Inflation affects the cost of building materials, labor, and other expenses related to home repair and reconstruction. As the cost of living increases, so does the cost of claims for insurers. When the price of lumber, steel, and other essential materials goes up, the expense of repairing or rebuilding homes also rises. Insurance companies must reflect these higher costs in their premiums to maintain financial stability and ensure they can meet those contractual obligations to policyholders. 59:35 Glen Mulready: I believe the most essential aspect of managing insurance premiums is fostering a robust, competitive free market. Competition among insurance companies encourages innovation and efficiency, leading to better pricing and services for consumers. When insurers can properly underwrite and price for risk, they create a more balanced and fair market. This involves using advanced data analytics and modeling techniques to accurately assess the risk levels of different properties. By doing so, insurance companies can offer premiums that reflect the true risk, avoiding excessive charges for low risk homeowners, and ensuring high risk properties are adequately covered. Regulation also plays a crucial role in maintaining a healthy insurance market. Policyholders must strike a balance between consumer protection and allowing insurers the freedom and flexibility to adjust their pricing based on the risk. Overly stringent regulations can stifle competition and lead to market exits, reducing choices for consumers. We've seen this play out most recently in another state where there were artificial caps put in place on premium increases that worked well for consumers in the short term, but then one by one, all of the major insurers began announcing they would cease to write any new homeowners insurance in that state. These are all private companies, and if there's not the freedom and flexibility to price their products properly, they may have to take drastic steps as we've seen. Conversely, a well-regulated market encourages transparency and fairness, ensuring that homeowners have access to the most affordable and adequate coverage options. 1:02:00 Dr. EJ Antoni: I'm a public finance economist and the Richard F. Aster fellow at the Heritage Foundation, where I research fiscal and monetary policy with a particular focus on the Federal Reserve. I am also a senior fellow at the Committee to Unleash Prosperity. 1:02:15 Dr. EJ Antoni: Since January 2021, prices have risen a cumulative 19.3% on average in the American economy. Construction prices for single family homes have risen much faster, up 30.5% during the same time. 1:03:20 Dr. EJ Antoni: Actuarial tables used in underwriting to estimate risk and future losses, as well as calculate premiums, rely heavily on those input costs. When prices increase radically, precisely as has happened over the last several years, old actuarial tables are of significantly less use when pricing premiums because they will grossly understate the future cost to the insurer. The sharp increase in total claim costs since 2019 has resulted in billions of dollars of losses for both insurers and reinsurers prompting large premium increases to stop those losses. This has put significant financial stress on consumers who are already struggling with a cost of living crisis and are now faced with much higher insurance premiums, especially for homeowners insurance. 1:05:10 Dr. EJ Antoni: The increase in claims related to weather events has undoubtedly increased, but it is not due to the climate changing. This is why the insurance and reinsurance markets do not rely heavily on climate modeling when pricing premiums. Furthermore, climate models are inherently subjective, not merely in how the models are constructed, but also by way of the inputs that the modeler uses. In other words, because insufficient data exists to create a predictive model, a human being must make wide ranging assumptions and add those to the model in place of real world data. Thus, those models have no predictive value for insurers. 1:07:40 Sen. Sheldon Whitehoue (D-RI): You say that this combination of demographics, development, and disasters poses a significant risk to our financial system. What do you mean by risk to our financial system Rade Musulin: Well, Senator, if you look at the combination, as has been pointed out, of high growth and wealth accumulation in coastal areas, and you look at just what we've observed in the climate, much less what's predicted in the future, there is significant exposure along the coastline from Maine to Texas. In fact, my family's from New Jersey and there is enormous development on the coast of New Jersey. And if we start to get major hurricanes coming through those areas, the building codes are probably not up to the same standards they are in Florida. And we could be seeing some significant losses, as I believe was pointed out in the recent Federal Reserve study. Sen. Sheldon Whitehoue (D-RI): And how does that create risk to the financial system? Rade Musulin: Well, because it's sort of a set of dominoes, you start with potentially claims issues with the insurers being stressed and not able to pay claims. You have post-event rate increases as we've seen in Florida, you could have situations where people cannot secure insurance because they can't afford it, then that affects their mortgage security and so on and so forth. So there are a number of ways that this could affect the financial system, sir. Sen. Sheldon Whitehoue (D-RI): Cascading beyond the immediate insurer and becoming a national problem. Rade Musulin: Well, I would just note Senator, that in Florida, the real problems started years after we got past Andrew. We got past paying the claims on Andrew, and then the big problems occurred later when we tried to renew the policies. 1:10:50 Sen. Sheldon Whitehouse (D-RI): And you see in this, and I'm quoting you here, parallels in the 2008 financial crisis. What parallels do you see? Dr. Ishita Sen: So just like what happened during the financial crisis, there were rating agencies that gave out high ratings to pools of mortgages backed by subprime loans. Here we have a situation where rating agencies like Demotech are giving out inflated ratings to insurance companies. The end result is sort of the same. There is just too much risk and too many risky mortgages being originated, in this case backed by really low quality insurers that are then entering the financial system. And the consequences of that has to be born by, of course the homeowners, but also the mortgage owners, GSCs (Government Sponsored Enterprises), the lenders, and ultimately the federal and state governments. Sen. Sheldon Whitehouse (D-RI): You say, this will be my last question. The fragility of property insurers is an important channel through which climate risk might threaten the stability of mortgage markets and possibly the financial system. What do you mean when you refer to a risk to the financial system? Dr. Ishita Sen: Well, as I was explaining the GSEs, if there are large losses that the GSEs face, then those losses have to be plugged by somebody. So the taxpayers, that's one channel through which you've got risk to the financial system and the GSE's serve as a backstop in the mortgage market. They may not have the ability or capacity to do so in such a scenario, which affects mortgage backed security prices, which are held by all sorts of financial institutions. So that starts affecting all of these institutions. On the other hand, if you've got a bunch of insurers failing, another channel is these insurers are one of the largest investors in many asset classes like corporate bonds, equities, and so on. And they may have to dump these securities at inopportune times, and that affects the prices of these securities as well. 1:12:45 Sen. Chuck Grassley (R-AI): Dr. Antoni, is there any evidence to support the notion that climate change is the greatest threat to the insurance market? Dr. EJ Antoni: No. Senator, there is not. And part of that has to do again, with the fact that when we look at the models that are used to predict climate change, we simply don't have enough empirical data with which we can input into those models. And so as a result of that, we have to have human assumptions on what we think is going to happen based essentially on a guess. And as a result of that, these models really are not of any predictive value, and that's why these models for the last 50 years have been predicting catastrophic outcomes, none of which have come true. 1:14:45 Glen Mulready: This focus on the rating agencies, I would agree with that if that were the be all end all. But the state insurance commissioners in each 50 states is tasked with the financial solvency of the insurance companies. We do not depend on rating agencies for that. We are doing financial exams on them. We are doing financial analysis every quarter on each one of them. So I would agree if that was the sort of be all end all, forgive that phrase, but it's not at all. And we don't depend very much at all on those rating agencies from our standpoint. 1:22:15 Dr. Ishita Sen: On the point about regulators looking at -- rating agencies is not something that we need to look at. I would just point out that in Florida, if you look at the number of exams that the Demotech rated insurers, that by the way have a 20% insolvency rate relative to 0% for traditional insurers, they get examined at the same rate as the traditional insurers like Farmers and AllState get examined, which is not something that you would expect if you're more risky. You would expect regulators to come look at them much, much more frequently. And the risk-based capital requirements that we have currently, which were designed in the 1980s, they're just not sensitive enough to new risks like wildfire and hurricanes and so on. And also not as well designed for under-diversified insurance companies because if so, all of these insurers were meeting the risk-based capital requirements, however, at the same time going insolvent at the rate of 20%. So those two things don't really go hand in hand. 1:23:25 Dr. Ishita Sen: Ultimately what the solution is is something that is obviously the main question that we are here to answer, but I would say that it is extremely hard to really figure out what the solution is, in part because we are not in a position right now to even answer some basic facts about how big the problem is, what exactly the numbers look like. For instance, we do not know basic facts about how much coverage people have in different places, how much they're paying. And when I say we don't know, we don't know this at a granular enough level because the data does not exist. And the first step towards designing any policy would be for us to know exactly how bad the problem is. And then we come up with a solution for that and start to evaluate these different policy responses. Right now we are trying to make policy blindfolded. 1:23:50 Sen. Ron Johnson (R-WI): So we've had testimony before this committee that we've already spent $5-6 trillion. That's 5,000 to 6,000 billion dollars trying to mitigate climate change. We haven't made a dent in it. Their estimates, it's going to cost tens of trillions of dollars every year to reach net zero. So again, this is not the solution for a real problem, which is the broken insurance market. I have enough Wisconsin residents who live on the Gulf Coast in Florida to know after Hurricane Ian, you got some real problems in Florida. But fixing climate change isn't the solution. 1:33:15 Sen. Jeff Merkley (D-OR): In looking at the materials I saw that Citizens Property Insurance Company, I gather that's Louisiana and Florida, that have a completely state backed program. Well, alright, so if the state becomes the insurer of last resort and they now suffer the same losses that a regular private insurance company is suffering, now the folks in the state are carrying massive debt. So that doesn't seem like a great solution. Dr. Ishita Sen: That's definitely a problem, right? The problem is of course, that whether the state then has the fiscal capacity to actually withstand a big loss, like a big hurricane season, which is a concern that was raised about Citizens. And in such a scenario then in a world where they do not have enough tax revenue, then they would have to go into financial markets, try to borrow money, which could be very costly and so on. So fiscally it's going to be very challenging for many cities and many municipalities and counties and so on. 1:36:40 Sen. Mitt Romney (R-UT): I wish there were something we could do that would reduce the climate change we're seeing and the warming of the planet. But I've seen absolutely nothing proposed by anyone that reduces CO2 emissions, methane gases and the heating of the planet. Climate change is going to happen because of the development in China and Indonesia and Brazil, and the only thing that actually makes any measurable impact at all is putting a price on carbon, and no one seems to be willing to consider doing that. Everything else that's being talked about on the climate — Democratic Senator: I got two bills. Sen. Mitt Romney (R-UT): I know you and I are, but you guys had reconciliation. You could have done it all by yourselves and you didn't. So the idea that somehow we're going to fix climate and solve the insurance problem is pie in the sky. That's avoiding the reality that we can't fix climate because that's a global issue, not an American issue. Anyway, let me turn back to insurance. 1:38:30 Sen. Mitt Romney (R-UT): So the question is, what actions can we take? Fiscal reform? Yes, to try and deal with inflation. Except I want to note something, Mr. Antoni, because you're esteemed at the Heritage Foundation. 72% of federal spending is not part of the budget we vote on. So we talk about Biden wants to spend all this.... 72% we don't vote on; we only vote on 28%. Half of that is the military. We Republicans want more military spending, not less. So that means the other 14%, which the Democrats want to expand, there's no way we can reduce the 14% enough to have any impact on the massive deficits we're seeing. So there's going to have to be a broader analysis of what we have to do to reign in our fiscal challenges. I just want to underscore that. I would say a second thing we can do, besides fiscal reform and dealing with inflation, is stopping subsidizing high risk areas. Basically subsidizing people to build expensive places along the coast and in places that are at risk of wildfire. And we subsidize that and that creates huge financial risk to the system. And finally, mitigation of one kind or another. That's the other thing we can do is all sorts of mitigation: forestry management, having people move in places that are not high risk. But if you want to live in a big house on the coast, you're gonna have to spend a lot of money to insure it or take huge risk. That's just the reality. So those are the three I come up with. Stop the subsidy, mitigation, and fiscal reform. What else am I missing, Mr. Musulin? And I'm just going to go down the line for those that are sort of in this area to give me your perspectives. Rade Musulin: Well, thank you, Senator. And I'd agree with all those things. And I'd also add that we need to start thinking about future-proofing our building codes and land use policies. The sea levels are rising. If you're going to build a house that's supposed to last 75 years, you ought to be thinking about the climate in 75 years when you give somebody a permit to build there. So I'd say that's important. I'd also say that large disasters also drive inflation because it puts more pressure and demand on labor and materials. More disasters means supplies that could have been used to build new homes for Americans or diverted to rebuild homes in the past. So certainly doing things to reduce the vulnerability of properties and improve their resilience is important. And I do think, sir, that there are things we can do about climate change with respect over periods of decades that can make a difference in the long run. Thank you. Sen. Mitt Romney (R-UT): Thank you. Yes. Dr. Ishita Sen: So before that, the one point about inflation that we are missing, which is without doubt it is a contributing factor, but the US has had inflation in the past without such an acute crisis in insurance markets. So whether that is the biggest cause or not is up for debate. I don't think we have reached a conclusion on inflation being the biggest contributor of rising insurance cost. Sen. Mitt Romney (R-UT): It's just a big one. You'd agree It's a big one? Dr. Ishita Sen: I agree. It's a big one, but I wouldn't say it's the biggest one in terms of policy solutions. I completely agree with you on, we need to stop subsidizing building in high risk areas. That's definitely one of the things we need to do that. Mitigation, another point that you bring up. And on that, I would say not only do we need to harden our homes, but we also need to harden our financial institutions, our banks, and our insurance companies in order to make them withstand really large climate shocks that are for sure coming their way. Sen. Mitt Romney (R-UT): Thank You, Ms. Wood. I'm going to let you pass on this just because that's not your area of expertise. Your experience was something which focused our thinking today. Mr. Mulready. Glen Mulready: Thank you, Senator. I would say amen to your comments, but I'll give you three quick things. Number one, FEMA has a survey out that states that every $1 spent in mitigation saves $6 in lost claims. It pays off. Number two, unfortunately, a lot of communities have to have a disaster happen. In Moore, Oklahoma, back a dozen years ago, an EF5 (tornado) hit, it was just totally devastating. After that, the city of Moore changed their zoning, they changed their building zoning codes, and then third, the city of Tulsa, back in the eighties, had horrible flooding happened. So they invested over decades in infrastructure to prevent flooding. Now we're one of only two communities in the country that are Class one NFIP rated. 1:45:40 Sen. Chris Van Hollen (D-MD): One way to address this, and I think it was discussed in a different matter, is the need to get the data and to get consensus on where the risks lie, which is why last year Senator Whitehouse, Senator Warren and I sent a letter to the Treasury Department, to the Federal Insurance Office (FIO), urging them to collect information from different states. I'm a supporter of a state-based insurance system for property and casualty insurance, but I do think it would benefit all of us to have a sort of national yardstick against which we can measure what's happening. So Dr. Sen, could you talk a little bit about the benefit of having a common source of insurance data through the FIO and how that could benefit state regulators and benefit all of us? Dr. Ishita Sen: Yeah, absolutely. Thanks for bringing that up. That's just the first order importance, I think, because we don't even know the basic facts about this problem at a granular enough level. The risks here are local, and so we need to know what's going zip code-by-zip code, census tract-by-census tract, and for regulators to be able to figure out exactly how much risk is sitting with each of these insurance companies they need to know how much policies they're writing, what's the type of coverage they're selling in, what are the cancellations looking like in different zip codes. Only then can they figure out exactly how exposed these different insurers are, and then they can start designing policy about whether the risk-based capital ratios look alright or not, or should we put a surcharge on wildfires or hurricanes and so on? And we do need a comprehensive picture. We just can't have a particular state regulator look at the risks in that state, because of course, the insurer is selling insurance all over the country and we need to get a comprehensive picture of all of that. 1:47:40 Sen. Chris Van Hollen: I appreciate that. I gather that the Treasury Department is getting some resistance from some state insurance regulators. I hope we can overcome that because I'm not sure why anyone would want to deny the American people the benefit of the facts here. 1:48:45 Rade Musulin: I will just note that sometimes climate change itself can contribute to the inflation we've been talking about. For example, there were beetle infestations and droughts and fires in Canada, which decimated some of the lumber crop and led to a fivefold increase in the cost of lumber a few years ago. So some of this claims inflation is actually related to climate change, and I think we need to address that. 1:49:35 Glen Mulready: If you didn't know, the NAIC, National Association of Insurance Commission is in the midst of a data collection right now that will collect that data for at least 80% of the homeowner's market. And we have an agreement with FIO (Federal Insurance Office) to be sharing that data with them. They originally came to us, I got a letter from FIO and they were requesting data that we did not actually collect at the zip code level, and they had a very stringent timeline for that. So my response, it wasn't, no, it was just, look, we can't meet that timeline. We don't collect that today. We can in the future. But from that is where this has grown the data called by the NEIC. Sen. Chris Van Hollen (D-MD): So I appreciate, I saw that there had been now this effort on behalf of the....So has this now been worked out? Are there any states that are objecting, to your knowledge at this point in time, in terms of sharing data? Glen Mulready: I don't know about specific states. We will be collecting data that will represent at least 80% of the market share. Music by Editing Production Assistance