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Our Global Head of Macro Strategy Matthew Hornbach and Chief U.S. Economist Michael Gapen discuss the Fed's path as inflation remains above its target and the labor market continues cooling.Read more insights from Morgan Stanley.----- Transcript -----Matthew Hornbach: Welcome to Thoughts on the Market. I'm Matthew Hornbach, Global Head of Macro Strategy. Michael Gapen: And I'm Michael Gapen, Morgan Stanley's Chief U.S. Economist. Matthew Hornbach: Yesterday, the FOMC meeting delivered another quarter percentage point rate cut. Today we're here to discuss what happens next.It's Thursday, December 11th at 8:30 AM in New York. So, Mike, once again, the Fed cut rates by 25 basis points. That outcome was not a surprise, and the markets reacted positively. But there were some surprises. A bit of a divided FOMC, if you will. How did things play out during the meeting and what are some important takeaways to keep in mind? Michael Gapen: Yeah, well certainly Matt, it is a divided committee. I think that's clear. I think one key takeaway for me is the idea that the Fed is done with risk management rate cuts, and now we're back to data dependent. So, what does that mean? I mean, a risk management rate cut isn't necessarily about the data you have in hand and the data you see; it's your view about the distribution of risks around that. So, in some ways, you're not data dependent when you're making those cuts. Now, I think the challenge at this press conference for Powell was to say, ‘Well, now things are different.' And it was a nuance in the sense that cuts from here, if and when they come, will be data dependent. But I think at the same time he did not want to communicate that the bar for those rate cuts were exceptionally high. But I think he threaded the needle quite well in transitioning from risk management cuts, which aren't data dependent to an outlook, which is now more data dependent. And I thought he did that artfully well. So, for me, that's the big key. Secondarily I'd add a takeaway for me was he seems fairly confident that inflation will be coming down, and I think he still believes the labor market is cooling. The blend of that came across as a bit dovish to me. And then the third thing I would add is he fairly explicitly ruled out the risk of rate hikes. So, I think the combination of those three things: data dependence, still concerns about cooling in the labor market, and chopping off the upper half of the rate path distribution – those were kind of the key takeaways from my point. Matthew Hornbach: So, Mike, with respect to the labor market, Chair Powell did address it in a couple of different ways. But one of the ways that stood out to my ears was how he described some technical factors that people are well aware of – that could mean the economy is actually shedding jobs to the tune of about 20,000 per month. I was wondering if you could just briefly address what those factors – that are supposedly so well known – might be. Michael Gapen: Sure. So, obviously the data that gets released, there are the initial releases and then there are revisions. And in the labor market, there are what are called annual benchmark revisions. So, the BLS released a preliminary estimate of that benchmark revision several months ago, and if you apply that initial estimate, it would suggest that job growth in 2025 could be about 60,000 jobs per month, less than has already been reported. But at the same time, we know immigration controls are slowing growth in the labor force. So, this is what Powell is calling the really curious balance. How can you have employment growth basically zero, maybe even negative, after these revisions come in – and the unemployment rate relatively stable. Yes, it's gone up a few tenths, but not like you would normally expect that rise would be if we were shedding jobs. So that to me is why he… You know; the technical factors about revisions and things that lead them to be, I think, very unsure about where the labor market is; and lean in the direction of thinking lower rates are better to manage those risks than where they were six months ago. Matthew Hornbach: One of the points that you raised in your opening explanation of the meeting was about inflation. And Chair Powell mentioned an expectation that the inflation related to tariffs would be peaking in the first quarter of the year. That sounded very familiar to me because I believe that's your expectation as well. I'm curious. How are you looking at tariffs and the inflation related to tariffs today? And do you agree with Chair Powell still? Michael Gapen: We do. Our modeling of the tariff pass through and our conversations with clients and firms and what we hear on corporate earnings calls suggests that this is a long process. Meaning tariffs go in place, prices don't go up the next month. Firms make pricing decisions that take time to implement. So, we agree that the tariff pass through story will extend into 2026 and likely through the end of the first quarter. And if that's true, then goods prices should continue to move higher. The year-on-year rate of inflation should move higher, peaking at 3 percent or a little above in the first quarter of the year. And then tat effect should we think be over, which would open the door for overall inflation to start coming back down. So, I will use the dreaded T-word. We think ultimately inflation from tariffs will be transitory. And I agree with the Chair's timeline; inflation should peak in the first quarter of the year and then start to trend down. That said, we think inflation will be above the Fed's 2 percent target into 2027, and this is the cost of providing insurance to the labor market. Matthew Hornbach: So finally, all things considered, what is your outlook for Fed policy in 2026? Michael Gapen: Yeah, and the key here, Matt, is that exactly what you just implied about tariffs and inflation still going on into 2026, right? Because what we know is while firms are gauging exactly where they should be pricing, they've been offsetting tariffs through lower demand for labor. So, we think the Fed will be cutting again in January. We have three months of employment data that come across two employment reports between now and the January meeting. We think they will show continued cooling in the labor market. And then we have a second cut next year in in April. So, while tariffs are getting passed through, we think the labor market will continue to cool. And this Fed will be biased to cutting rates to provide support to the labor market in the process. That would mean the federal funds rate gets to 3 – 3.25 percent in the second quarter of 2026, where we think it'll stay.So Matt, I'd like to ask you a question. What I noticed was the rate market backed up going into the meeting, despite the fact that market participants were projecting a cut. And then the rate market rallied, in my view, significantly during the meeting and right after. What do you think was happening there? Matthew Hornbach: So, there's a phenomenon that happens in all markets where investors often speculate on a potential outcome. And if the outcome is then delivered, the follow-on price action is underwhelming. That is colloquially known as buying the rumor and selling the fact. So, I think going into this meeting kind of in line with your expectations, investors were forming very similar expectations about how the FOMC statement itself would change and the implications that that might have for the future of Fed policy. When that hawkish cut was delivered almost exactly as you had expected, Mike, I think, investors started thinking about the future in a slightly different way. Now that their expectations were met with the meeting outcome, they started to consider, the data that is forthcoming. And whenever, officials at the Fed talk about data in the way that Chair Powell spoke about the data – and by which I mean labeled the labor market as potentially losing jobs at the moment, and labeling inflation as transitory, that we'd be past the peak of tariff related inflation after the first quarter of the year. Investors can kind of look at those factors and extrapolate going forward, what that may mean for Fed policy in the first half of 2026. So, I think similar to your expectations for policy after this meeting, investors probably became a bit more confident in your outlook for Fed policy that we would see additional rate cuts in the first half of next year. And then, of course, after the April meeting, the baton will be passed to the next Fed chair, and I think investors are considering what policy might look like under that new regime at the Fed. And on the margin, the view is that the next Fed chair would be more likely than not to continue the process of lowering policy rates. So, I think all of those factors played into the post press conference, and even during the press conference reaction. Michael Gapen: Okay Matt, one last question, if I may. How did the events of the FOMC this week and the market reaction, how does that dovetail with how you're thinking about longer term rates, in particular where you see 10-year yields going? And the dollar? Matthew Hornbach: So, 10-year yields are relatively close to 4 percent at this juncture, and we expect them to drift modestly lower in the first half of 2026, as the Fed continues this process of lowering the policy rate. One point that's very important to make here is that the longer-term Treasury yields today are now sitting well above the Fed's policy rate, and that hasn't been the case for many, many years now. A lot of investors with whom we speak think that longer term yields can head a lot higher from here. But we're skeptical – because the higher that those yields go relative to the Fed's policy rate, the more attractive those bonds become for other investors to buy. So, we don't expect a big increase in longer term interest rates. Unlike some investors, we are expecting interest rates in the long end to remain relatively stable with a downward bias.On the dollar, similarly, we have the dollar continuing its depreciation trend, which it began in January of 2025, earlier this year. We expect that depreciation trend to continue in the first half of 2026 before – similar to the interest rate path – we see a little bit of dollar strength in the second half of the year. And so, you know this being the last FOMC meeting of the year, Mike, I guess we're going to have to take a wait and see approach until the FOMC reconvenes in the new year. Thanks a lot for taking the time to talk about the Fed with me this year. Michael Gapen: Great speaking with you Matt. See you in 2026. Matthew Hornbach: And thanks for listening. If you enjoy Thoughts on the Market, please leave us a review wherever you listen and share the podcast with a friend or colleague today.

In this episode, John sits down with Joe Baratta. Joe is the Global Head of Private Equity at Blackstone, the world’s largest alternative asset manager. Baratta shares his remarkable journey from a modest upbringing in Sacramento to leading one of the most powerful private equity platforms in the world. Together John and Joe explore the real meaning of access, aspiration, relationship capital, and why talent is universal, but opportunity is not. This episode is both a masterclass in economic empowerment and a reminder that the American Dream still exists, especially when leaders choose to widen the table and share the climb. See omnystudio.com/listener for privacy information.

1036: What does it mean to manage a digital workforce? In this episode of Technovation, we feature a panel from our most recent Metis Strategy Summit where three top executives explore how AI is reshaping work, both automating tasks, and changing the nature of management itself. Peter High speaks with: Jennifer Charters, Chief Information Officer at Lincoln Financial Prasanna Gopalakrishnan, Chief Product & AI Officer at ADP Daniel Marcu, Global Head of AI Engineering at Goldman Sachs Together, they discuss: Why AI agents require new thinking about team structure and oversight How CIOs and CHROs must partner to build enterprise AI fluency The risks of shadow AI and the need for secure platforms How habit loops and performance incentives impact AI adoption What it takes to balance innovation speed with organizational readiness

Heath Terry, Citi's Global Head of Technology and Communications Research, breaks down the latest OpenAI announcement and what it means for the AI landscape in 2026. Earnings from Broadcom, Costco, Lululemon and RH set the tone for the afternoon. Market gut check with Stephanie Guild, Chief Investment Officer at Robinhood. Christopher Rolland of Susquehanna analyzes Broadcom's results. Diana Olick reports on U.S. home prices turning negative and Deepak Puri, Chief Investment Officer at Deutsche Bank Wealth Management, on his 2026 market outlook and the strengthening dollar. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

What if protein degradation could address neurodegenerative diseases, not just cancer? In this episode, Dr. Angela Cacace, CSO at Arvinas, speaks with Dr. Talar Hopyan, Global Head of CST at Syneos Health, about how the company is advancing a degrader targeting LRRK2 in Parkinson's disease and why early-stage signals in healthy volunteers are raising new possibilities for CNS care. They discuss how Arvinas is engineering blood-brain barrier-penetrant molecules, the translational challenges in neurodegeneration and what's required to move from platform to patient. What you'll learn: How Arvinas is expanding targeted protein degradation into neurology Why LRRK2 degradation is a promising approach for Parkinson's disease What it takes to translate platform innovation into measurable clinical outcomes The views expressed in this podcast belong solely to the speakers and do not represent those of their organization. If you want access to more future-focused, actionable insights to help biopharmaceutical companies better execute and succeed in a constantly evolving environment, visit the Syneos Health Insights Hub. The perspectives you'll find there are driven by dynamic research and crafted by subject matter experts focused on real answers to help guide decision-making and investment. You can find it all at https://www.syneoshealth.com/insights-hub. Like what you're hearing? Be sure to rate and review us! We want to hear from you! If there's a topic you'd like us to cover on a future episode, contact us at podcast@syneoshealth.com.

This “Best of 2025” episode highlights insights from Shannon Shae Montoya, Global Head of B2B Marketing, Sponsorships, and Events at Yahoo; Toby Espinosa, Vice President of Ads at DoorDash; Adam Kornblum, Chief Creative Officer at L'Oréal; and Merill Hollander, founder of Fiametta, as they discuss how data-driven creativity, storytelling, and bold experimentation are shaping the future of marketing, retail media, beauty, and fine jewelry. Hosted on Acast. See acast.com/privacy for more information.

It's been an unprecedented year in fashion. 16 designers rebooted 15 labels in September causing one of the biggest shakeups in fashion history, Labubus took over the world, and Kendrick Lamar's Celine flared jeans stirred up the discourse.Today on the show, we invited Virginia Smith, Vogue's Global Head of Fashion Network, and Laia Garcia-Furtado, Senior Fashion News Editor at Vogue Runway, to break down all the biggest moments from a massive year in fashion.“Awar closing the Chanel show was my fashion moment of the year because it encapsulated so many great things,” Smith said. “It was really something I have not witnessed very many times in my very long career of attending shows.”Another major collection was Dario Vitale's debut at Versace. Vitale was our reader's 3rd favorite designer of the year, after Blazy at Chanel and Jonathan Anderson at Dior. “Immediately I saw the show and thought, “this is how I want to dress.” said Garcia-Furtado. “As soon as the show ended, I went on The RealReal and bought a pair of Versus jeans within minutes.”Plus, tune in to hear what our editors are looking forward to in 2026.The Run-Through with Vogue is your go-to podcast where fashion meets culture. Hosted by Chloe Malle, Head of Editorial Content, Vogue U.S.; Chioma Nnadi, Head of British Vogue; and Nicole Phelps, Director of Vogue Runway, each episode features the latest fashion news and exclusive designer and celebrity interviews. Learn about your ad choices: dovetail.prx.org/ad-choices

Shefali Kakar, Global Head of PK Sciences and Oncology at Novartis, returns to the AI in Business podcast to discuss how AI is reshaping the earliest and most critical phases of drug development—where strategic investment decisions are made long before a clinical trial begins. Together with Emerj Editorial Director Matthew DeMello, Shefali explores how advanced modeling, in silico design, and patient data are creating a clearer picture of risk and return across R&D portfolios. She explains how pharmaceutical organizations are leveraging multi-factorial models to simulate safety, efficacy, and market potential—down to the molecular level. Want to share your AI adoption story with executive peers? Click emerj.com/expert2 for more information and to be a potential future guest on the 'AI in Business' podcast!

In this episode, we dive into the future of Talent Acquisition with AI at its core. Dominik Hahn, Global Head of Group Talent Acquisition at Allianz, joins Jason Averbook and Jess Von Bank to explore how organizations can responsibly harness AI to transform recruiting on a global scale. Tune in to hear insights on enhancing candidate experience while maintaining the human touch, building trust through ethical AI practices, and scaling recruitment technology across diverse regions and business lines. Don't miss this thoughtful conversation on the evolving landscape of recruitment in the age of AI.

Send us a textSarah Kapnick literally trained under John Nash at Princeton, went from structuring catastrophe bonds at Goldman during Hurricane Katrina, to serving as Chief Scientist at NOAA, and is now Global Head of Climate Advisory at JPMorgan. She's part mathematician, part climate scientist, part Wall Street insider – and the godmother of The Wall Street Skinny, the person who first convinced Jen to go into finance. This interview has been two and a half years in the making, and it's easily one of the most full-circle, “how is this one person real?” conversations we've ever had.We get into the math of predicting the future: how fluid dynamics and game theory show up in Black-Scholes, what “1-in-100 year events” actually mean over a 30-year mortgage, and why climate risk isn't a political side quest but a massive driver of returns, insurance pricing, and portfolio construction. Sarah explains cat bonds in plain English, walks through physical vs. transition risk, and connects wildfires, hurricanes, nuclear, fusion, and geothermal to the way capital is being allocated right now. If you care about making or losing money over the next few decades, this is not optional listening.We also talk mentorship, careers, and what it looks like to build a non-linear, insanely high-impact path across science, government, and Wall Street while raising a young family. Sarah shares how she decides when to leave a prestigious job, what she tells the next generation of math and science nerds curious about finance, and how she translates hardcore climate science for CEOs, investors, and ultra-high-net-worth clients. Even if you think “climate isn't for me,” this episode will change how you think about risk, opportunity, and the future.Learn more about 9fin HERE Shop our Self Paced Courses: Investment Banking & Private Equity Fundamentals HEREFixed Income Sales & Trading HERE Wealthfront.com/wss. This is a paid endorsement for Wealthfront. May not reflect others' experiences. Similar outcomes not guaranteed. Wealthfront Brokerage is not a bank. Rate subject to change. Promo terms apply. If eligible for the boosted rate of 4.15% offered in connection with this promo, the boosted rate is also subject to change if base rate decreases during the 3 month promo period.The Cash Account, which is not a deposit account, is offered by Wealthfront Brokerage LLC ("Wealthfront Brokerage"), Member FINRA/SIPC. Wealthfront Brokerage is not a bank. The Annual Percentage Yield ("APY") on cash deposits as of 11/7/25, is representative, requires no minimum, and may change at any time. The APY reflects the weighted average of deposit balances at participating Program Banks, which are not allocated equally. Wealthfront Brokerage sweeps cash balances to Program Banks, where they earn the variable APY. Sources HERE.

In this episode, Steve speaks to Eugenia Koh, Standard Chartered's Global Head of Sustainable Finance, and Standard Chartered's Lucy Palairet, Director, Carbon Markets Development, about the rapidly growing carbon markets. They speak about the fundamentals of how they work, the role of project-based carbon markets, and why investors may want to consider these opportunities. Read the accompanying report https://av.sc.com/corp-en/nr/content/docs/wm-thematic-report-carbon-markets-fluff-or-a-concrete-opportunity-27-november-2025.pdf to find out more.Speakers: - Steve Brice, Global Chief Investment Officer, Standard Chartered Bank - Eugenia Koh, Global Head of Sustainable Finance, Standard Chartered Bank- Lucy Palairet, Director, Carbon Markets Development, Standard Chartered Bank

Join Alex Tapscott and Andrew Young as they decode the world of crypto with special guest Federico Brokate, Global Head of Business Development at 21Shares. Listen in as they discuss the rapid rise of Bitcoin ETFs from IBIT's record-breaking launch to today's shifting mix of retail and institutional holders, the tension and interplay between DATs and ETFs as vehicles for crypto exposure, how new SEC generic listing standards have opened the door to products on Solana, Ethereum, XRP, Doge and even staked assets, the case for index and basket strategies such as top-10 ex-Bitcoin products and future active and factor-based crypto ETFs, why this cycle's "Bitcoin up, everything else lagging" dynamic is reshaping how investors think about diversification and power-law outcomes in digital assets, and how jurisdictions from Brazil and South Korea to Saudi Arabia are building regulated ETF frameworks that could broaden global access to the asset class.

Our Global Head of Fixed Income Research and Public Policy Strategy Michael Zezas and Chief Global Cross-Asset Strategist Serena Tang address themes that are key for markets next year.Read more insights from Morgan Stanley.----- Transcript -----Michael Zezas: Welcome to Thoughts on the Market. I'm Michael Zezas, Global Head of Fixed Income Research and Public Policy Strategy.Serena Tang: And I'm Serena Tang, Morgan Stanley's Chief Global Cross-Asset Strategist.Michael Zezas: Today we'll be talking about key investor debates coming out of our year ahead outlook.It's Wednesday, December 3rd at 10:30am in New York. So, Serena, it was a couple weeks ago that you led the publication of our cross-asset outlook for 2026. And so, you've been engaging with clients over the past few weeks about our views – where they differ. And it seems there's some common themes, really common questions that come up that represent some important debates within the market. Is that fair?Serena Tang: Yeah, that's very fair. And, by the way, I think those important debates, are from investors globally. So, you have investors in Europe, Asia, Australia, North America, all kind of wanting to understand our views on AI, on equity valuations, on the dollar.Michael Zezas: So, let's start with talking about equity markets a bit. And one of the common questions – and I get it too, even though I don't cover equity markets – is really about how AI is affecting valuations. One of the concerns is that the stock market might be too high, might be overvalued because people have overinvested in anything related to AI. What does the evidence say? How are you addressing that question? Serena Tang: It is interesting you say that because I think when investors talk about equities being too high, of valuations – AI related valuations being very stretched, it's very much about parallels to that 1990s valuation bubble.But the way I approach it is like there are some very important differences from that time period, from valuations back then. First of all, I think companies in major equity indices are higher quality than the past. They operate more efficiently. They deliver strong profitability, and in general pretty solid free cash flow.I think we also need to consider how technology now represents a larger share of the index, which has helped push overall net margins to about 14 percent compared to 8 percent during that 1990s valuation bubble. And you know, when margins are higher, I think paying premium for stocks is more justified.In other words, I think multiples in the U.S. right now look more reasonable after adjusting for profit margins and changes in index composition. But we also have to consider, and this is something that we stress in our outlook, the policy backdrop is unusually favorable, right? Like you have economists expecting the Fed to continue easing rates into next year. We have the One Big Beautiful Bill Act that could lower corporate taxes, and deregulation is continuing to be a priority in the U.S. And I think this combination, you know, monetary easing, fiscal stimulus, deregulation. That combination rarely occurs outside of a recession. And I think this creates an environment that supports valuation, which is by the way why we recommend an overweight position in U.S. equities, even if absolute and relative valuation look elevated.Michael Zezas: Got it. So, if I'm hearing you right, what I think you're saying is that comparisons to some bubbles of the past don't necessarily stack up because profitability is better. There aren't excesses in the system. Monetary policy might be on the path that's more accommodative. And so, when compared against all of that, the valuations actually don't look that bad.Serena Tang: Exactly.Michael Zezas: Got it. And sticking with the equity markets, then another common question is – it's related to AI, but it's sort of around this idea that a small set of companies have really been driving most of the growth in the market recently. And it would be better or healthier if the equity market were to perform across a wider set of companies and names, particularly in mid- and small cap companies. Is that something that we see on the horizon?Serena Tang: Yes. We are expecting U.S. stock earnings to sort of broaden out here and it's one of the reasons why our U.S. equity strategy team has upgraded small caps and now prefer it over large caps. And I think like all of this – it comes from the fact that we are in a new bull market. I think we have a very early cycle earnings recovery here. I mean, as discussed before, the macro environment is supportive. And Fed rate cuts over the next 12 months, growth positive tax and regulatory policies, they don't just support valuations. They also act as a tailwind to earnings.And I think like on top of that, leaner cost structures, improving earnings revisions, AI driven efficiency gains. They all support a broad-based earnings upturn. and our U.S. equity strategy team do see above consensus 2026 earnings growth at 17 percent. The only other region where we have earnings growth above consensus in 2026 is Japan; for both Europe and the EM we are below, which drive out equal weight and slight underweight position in those two indices respectively.Michael Zezas: Got it. And so, since we can't seem to get away from talking about AI and how it's influencing markets, the other common question we get here is around debt issuance related to AI.So, our colleagues put together a report from earlier this year talking about the potential for nearly $3 trillion of AI related CapEx spending over the next few years. And we think about half of that is going to have to be debt financed. That seems to be a lot of debt, a lot of potential bonds that might be issued into the market – which, are credit investors supposed to be concerned about that?Serena Tang: We really can't get away from AI as a topic. And I think this will continue because AI-related CapEx is a long-term trend, with much of the CapEx still really ahead. And I think this goes to your question. Because this really means that we expect nearly another [$]3 trillion of data center related CapEx from here to 2028. You know, while half of the spend will come from operating cash flows of hyperscalers, it still leaves a financing gap of around [$]1.5 trillion, which needs to be sourced through various credit channels.Now, part of it will be via private credit, part of it would be via Asset Backed Securities. But some of it would also be via the U.S. investment grade corporate credit bond space. So, add in financing for faster M&A cycle, we forecast around [$]1 trillion in net investment grade bond issuance, you know, up 60 percent from this year.And I think given this technical backdrop, even though credit fundamentals should stay fine, we have doubled downgraded U.S. investment grade corporate credit to underweight within our cross asset allocation.Michael Zezas: Okay, so the fundamentals are fine, but it's just a lot of debt to consume over the next year. And so somewhat strangely, you might expect high yield corporate bonds actually do better.Serena Tang: Yes, because I think a high yield doesn't really see the same headwind from the technical side of things. And on the fundamentals front, our credit team actually has default rates coming down over the next 12 months, which again, I think supports high yield much better than investment grade.Michael Zezas: So, before we wrap up, moving away from the equity markets, let's talk about foreign exchange. The U.S. dollar spent much of last year weakening, and that's a call that our team was early to – eventually became a consensus call. It was premised on the idea that the U.S. was going to experience growth weakness, that there would also be these questions among investors about the role of the dollar in the world as the U.S. was raising trade barriers. It seemed to work out pretty well. Going into 2026 though, I think there's some more questions amongst our investors about whether or not that trend could continue. Where do we land?Serena Tang: I think in the first half of next year that downward pressure on the dollar should still persist. And you know, as you said, we've had a very differentiated view for most of this year, expecting the dollar to weaken in the first half versus G10 currencies. And several things drive this. There is a potential for higher dollar negative risk premium, driven by, I think, near term worries about the U.S. labor markets in the short term. And as investors, I think, debate the likely composition of the FOMC next year. Also, you know, compression in U.S. versus rest of the world. Rate differentials should reduce FX hedging costs, which also adds incentive for hedging activity and dollar selling. All this means that we see downward pressure on the dollar persisting in the first half of next year with EUR/USD at 123 and USD/JPY at 140 by the end of first half 2026.Michael Zezas: All right. Well, that's a pretty good survey about what clients care about and what our view is. So, Serena, thanks for taking the time to talk with me today.Serena Tang: And thank you for inviting me to the show today.Michael Zezas: And to our audience, thanks for listening. If you enjoy Thoughts on the Market, please leave us a review and share the podcast. We want everyone to listen.

Carl Quintanilla, Sara Eisen, and Michael Santoli kicked off the hour with a check on how the consumer's held up this holiday season according to alternative data sources and earnings reports - before breaking down what it all means for stocks with Truist Wealth's Chief Investment Officer. Plus: is the Bitcoin bottom in? Or is there more pain to come - the CEO of crypto trading platform Bullish gave his take on the action... before the team turned to gold with TD's Global Head of Commodity Strategy, who argues there's better bets for the new year elsewhere.  Also in focus: Apple's AI shake-up, OpenAI's "Code Red", and Amazon's new AWS plans... The team discussed all 3 headlines, and what it means for shares alongside the broader markets. Squawk on the Street Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Corey Salsberg, one of the leading voices on intellectual property policy in the United States, joins Clause 8 to discuss surviving the anti-pharma activism of the last administration, why he's encouraged by the current administration's approach to patent policy, and even the scientific possibility of “resurrecting the woolly mammoth.”As Global Head of IP at Novartis, Salsberg has a unique vantage point on how legal uncertainty affects the future of healthcare innovations. His work testifying before Congress has placed him at the center of the debate over the Supreme Court's Mayo, Myriad, and Alice decisions — rulings that he thinks have been followed by years of instability around Section 101, threatening investment in critical biotech and diagnostic breakthroughs.The conversation explores the political landscape surrounding the Patent Eligibility Restoration Act (PERA), the persistence of myths like “patent thickets,” and the consequences of letting misinformation shape innovation policy. It also highlights what Congress can do to prevent the U.S. from falling behind in the race for gene and AI-driven therapeutics.Ultimately, Salsberg's perspective underscores how constructive, good-faith dialogue across industries remains essential to safeguarding innovation.

Today's guest is Mathew Paruthickal, Global Head of Data Architecture, Utilization, and AI Engineering at Sanofi. Founded in 1973, Sanofi is a French multinational pharmaceutical and healthcare company. Sanofi works in the research, development, and manufacturing of pharmaceuticals and vaccines. Mathew joins Emerj Editorial Director Matthew DeMello to explore how life sciences organisations can move from isolated digital tools to orchestrated, interoperable systems and how engineering teams can bake in traceability, auditability, and human-in-the-loop governance from day one. Want to share your AI adoption story with executive peers? Click emerj.com/expert2 for more information and to be a potential future guest on the 'AI in Business' podcast!

Seth Hertlein is the Global Head of Policy at Ledger and one of the earliest, most persistent advocates for bitcoin self-custody in Washington. Known for his “lone ranger” years as the only lobbyist focused on protecting non-custodial rights, he brings a rare combination of securities law expertise, political insight, and deep conviction about individual property rights. In this episode, Seth joins The Last Free Americans to share how he fell down the bitcoin rabbit hole, why self-custody is a return to humanity's oldest property norms, and how today's policy battles will define digital freedom for generations. We dig into the evolution of financial intermediaries, the history of natural rights from Aristotle to the framers, and the real political forces lining up for and against self-custody.SUPPORT THE PODCAST:→ Subscribe → Leave a review → Share the show with your friends and family → Send us an email: podcast@unchained.com→ Learn more about Unchained: https://unchained.com/?utm_source=youtube&utm_medium=social&utm_campaign=podcast → Book a free call with a bitcoin expert: https://unchained.com/consultation?utm_source=youtube&utm_medium=social&utm_campaign=podcastTIMESTAMPS:0:00 – Intro to The Last Free Americans & Seth's unique role in policy2:20 – How a securities regulator became an “accidental crypto lobbyist”5:03 – Early bitcoin reading, monetary policy, and recognizing its political nature7:43 – The aha moment of self-custody: from Ledger device to first withdrawal12:58 – Ownership vs. possession: how financial markets drifted into full intermediation16:40 – Why self-custody is not new: property as a natural human right22:45 – How centralization overtook markets: certificates, DTCC, and efficiency tradeoffs27:58 – 2021: the year Washington and the industry “woke up” to each other33:10 – Keep Your Coins Act, Canadian truckers, and why lawful peer-to-peer matters38:40 – Property rights, natural law, and the framers' blind spots on privacy45:55 – Executive Order 6102, takings law, and lessons for bitcoin52:03 – How the Bank Secrecy Act and third-party doctrine became digital surveillance59:42 – The three camps opposing self-custody: nats-ec hawks, socialists, and bureaucracies1:05:40 – The IRS broker rule, CRA repeal, and precedents for stopping overreach1:11:22 – House vs. Senate language: what “retain the right” really means1:17:14 – Odds of passage in 2024 and why Senate floor time is everything1:22:44 – The global landscape: why America is still the last best hope1:27:50 – What comes next: privacy as the next digital freedom frontier1:32:10 – Closing thoughts on restoring founding principles through BitcoinWHERE TO FOLLOW US: → Unchained X: https://x.com/unchained  → Unchained LinkedIn: https://www.linkedin.com/company/unchainedcom  → Unchained Newsletter: https://unchained.com/newsletter → Joe Kelly's Twitter: https://x.com/josephkelly  → Seth Hertlein's Twitter: https://x.com/SethHertlein  

Pia Mailhot-Leichter is a creative partner, published author, certified coach, and entrepreneur. Her path has been anything but ordinary: a recovering nomad, she's reported as a journalist in Sri Lanka, graduated summa cum laude from NYU, and worked as an award-winning creative director for some of the biggest brands in the world. Now, as the founder of Kollektiv Studio, through creative partnership, from storytelling to coaching, Pia is uniquely positioned to co-create wild visions and ventures.Kollektiv Studio works with founders, leaders, and creatives with a rebellious spirit and visionary tendencies. As Pia puts it, "The outcome isn't just what you create—it's who you become in the process."She recently published Welcome to the Creative Club, a book that challenges everything people thought they knew about creativity. Praised by Google's Global Head of Creative & Innovation as "life-changing," and by iconic fashion designer Betsey Johnson as "a wild ride," this part-memoir, part-guide invites readers to make life their biggest art project and reclaim their creative power.I've read Welcome to the Creative Club and as a lifelong creator myself, I found it to be eye-opening in how Pia cuts straight to the heart of overcoming the stumbling blocks that most creatives encounter. If you're looking to supercharge your creativity, I highly recommend Welcome to the Creative Club to you.

Jo Natauri is Founder and managing Partner of Invidia Capital Management, a healthcare focused private equity firm founded in 2024, with a focus on middle-market buyouts in North America. She was formerly Global Head of Healthcare Investing in the Merchant Banking Division of Goldman Sachs.We start by discussing Jo's path to investment banking and how she chose the business side of healthcare over policy. We discuss her long period of apprenticeship and then leading investments while at Goldman Sachs and her decision to strike out in her own firm. Jo explains the diversity within healthcare, from biotech to hospitals, and the permanent base of demand that makes it a good sector to invest in.  She discusses her core beliefs, including avoiding investments that increase drug prices or target vulnerable populations, and discusses the opportunity set that excites her in the middle market arena. When it comes to mentors Jo has had some legendary investors within her circle and cites the apprentice nature of the investment business as a key aspect to be remembered and observed across the seniority spectrum. Series 5 of 2025 is kindly sponsored by Diamond Hill. Diamond Hill invests on behalf of clients through a shared commitment to its valuation-driven investment principles, long-term perspective, capacity discipline and client alignment. An independent active asset manager with significant employee ownership, Diamond Hill's investment strategies include differentiated US and non-US equity, alternative long-short equity and fixed income.

The opportunities and potential for tokenisation to support global liquidity management alongside traditional payments are there for the taking. Lewis Sun, Global Head of Domestic and Emerging Payments, Global Payments Solutions, HSBC, talks to TMI about the options for treasurers.

Evgenia Goti, Global Head of Wealth Planning at EFG joins Moz to shed light on both the technical and human considerations of structuring family wealth across generations. As the great wealth transfer gathers pace, she explains how families can preserve cohesion and avoid common pitfalls while building legacies.Our host, Moz Afzal:https://bit.ly/31XbkTROur guest:Evgenia Gotihttps://bit.ly/4pdITu9EFGAM:https://www.newcapital.com/Important disclaimersThe value of investments and the income derived from them can fall as well as rise, and past performance is no indicator of future performance. Investment products may be subject to investment risks involving, but not limited to, possible loss of all or part of the principal invested. This document does not constitute and shall not be construed as a prospectus, advertisement, public offering or placement of, nor a recommendation to buy, sell, hold or solicit, any investment, security, other financial instrument or other product or service. 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In October 2025, Orbition Group hosted Driven by Data LIVE, where they welcomed 120 CDOs/Data Leaders to Tobacco Dock in London for a half day event, which included 3 panel discussions and some roundtable conversations.The third panel discussion saw Catherine King joined by;Paul Hollands, Chief Data & AI Officer, AXA,Johanna Hutchinson, Chief Data Officer, BAE SystemsNick Blewden, Director of Data, CoopSam Hancock, Global Head of Data Science, Octopus EnergyWhere they discussed, Leading with a Legacy of Impact, How Data can Change the World, which includes; How to distinguish between short-term value creation and long-term impact when shaping your data strategy.The decisions made that will outlive tenure and define data leadership legacy.The boldest thing a CDO should be doing today, but most aren't.The people-first principles that anchor leadership when making high-stakes data decisions.Experiencing the “this is why we do it” moment and the times when data work had a direct, unforgettable human impact.Thanks to our sponsor, Data Literacy Academy.Data Literacy Academy is leading the way in transforming enterprise workforces with data literacy across the organisation, through a combination of change management and education. In today's data-centric world, being data literate is no longer a luxury, it's a necessity.If you want successful data product adoption, and to keep driving innovation within your business, you need to start with data literacy first.At Data Literacy Academy, we don't just teach data skills. We empower individuals and teams to think critically, analyse effectively, and make decisions confidently based on data. We're bridging the gap between business and data teams, so they can all work towards aligned outcomes.From those taking their first steps in data literacy to seasoned experts looking to fine-tune their skills, our data experts provide tailored classes for every stage. But it's not just learning tracks that we offer. We embed a deep data culture shift through a transformative change management programme.We take a people-first approach, working closely with your executive team to win the hearts and minds. We know this will drive the company-wide impact that data teams want to achieve.Get in touch and find out how you can unlock the full potential of data in your organisation. Learn more at www.dl-academy.com.

GBS is moving from a cost-center to a growth-engine.AI-first models and platforms are rewiring enterprise operations. In this Unfiltered Stories episode, Ashwin Venkatesan, Executive Research Leader at HFS Research, sits down with Saurabh Gupta, President at HFS Research, and Shashidhar N, VP & Global Head of Platforms at EdgeVerve, to discuss what next-gen GBS really looks like—beyond slideware. What you'll learn:From “shared services” to “Generative Business Services” — AI-led, data-driven, value-obsessed.AI-first delivery = beyond productivity — shift from cost saves to revenue, speed, and innovation.What's blocking progress — silos plus technical, data, and cultural debt (and how leaders break them).Why platforms matter — unifying people, process, data, and tech for scalable, AI-powered ops.The GBS of tomorrow — AI-first by design, built for agility, collaboration, and continuous value.Also, check the companion HFS report: “Your GBS model is outdated: Fix it, or risk falling behind in the AI economy”, here: https://www.hfsresearch.com/research/your-gbs-model-is-outdated-fix-it-or-risk-falling-behind-in-the-ai-economy/

Byron Loflin, Global Head of Board Advisory at Nasdaq and co-author of CEO Ready, explained on the Strategy Skills Podcast why many talented executives never make it to the top. " Because you perform well isn't going to automatically get you the job." Boards are looking for more than results. They look for humility, curiosity, and authentic relationships across stakeholders. Byron shared a personal lesson from riding with Ronald Reagan before he was president: "He was genuinely interested in others. And that surprised me. I didn't get the sense that he was a pompous or aristocratic kind of person. He was genuinely interested in identifying what are you interested in? What makes you tick?" He also warned that unchecked ego is one of the biggest risks to leadership: "Ego is a powerful motivator when it's focused properly. But when it becomes dominant in one's personality and drives inappropriate types of responses to the needs of others… Ego can become a significant problem." To counter ego, he recommended building close, truth-telling relationships. This is what Byron said about conversations with his children: "I listen to them very closely when they speak to me and I invite them to speak truth into my life." And he reminded us that succession is political: "Surprise is the enemy. Structure is your friend." Finally, boards now expect leaders to be fluent in technology and disruption: "The expectation of management delivering understanding on the relevancy of AI to your organization with the emphasis on relevancy."   Actions you can take now Seek feedback aggressively. Create a circle of truth-tellers: colleagues, mentors, even family, who will tell you the truth. Check your ego daily. Build humility into routines by asking: "Am I genuinely interested in others, or focused only on myself?" Engage all seven stakeholders. Byron identified investors, employees, vendors, customers, communities, regulators, and the environment as decisive. Map your relationships and strengthen the weakest link. Signal reliability to boards. Remove surprises. Show discipline in how you work and how you communicate. Become AI-fluent. Don't chase every trend. Focus on the relevancy of AI and digital disruption to your business and be prepared to explain it clearly.   Get Byron's book, CEO Ready, here: https://tinyurl.com/z87xz94h   Claim your free gift: Free gift #1 McKinsey & BCG winning resume www.FIRMSconsulting.com/resumePDF Free gift #2 Breakthrough Decisions Guide with 25 AI Prompts www.FIRMSconsulting.com/decisions Free gift #3 Five Reasons Why People Ignore Somebody www.FIRMSconsulting.com/owntheroom Free gift #4 Access episode 1 from Build a Consulting Firm, Level 1 www.FIRMSconsulting.com/build Free gift #5 The Overall Approach used in well-managed strategy studies www.FIRMSconsulting.com/OverallApproach Free gift #6 Get a copy of Nine Leaders in Action, a book we co-authored with some of our clients: www.FIRMSconsulting.com/gift

Retirement technology is rapidly transforming the way advisors and plan sponsors deliver planning advice. In this episode of the 401(k) Specialist Podcast, Editor-in-Chief Brian Anderson sits down with Michael Allen, Morningstar Retirement's Global Head of Retirement Technology, to explore how innovation is making retirement advice more personalized, scalable, and impactful.Allen shares insights on how Morningstar turns ideas into digital solutions, the technologies most likely to redefine the participant experience—like AI, predictive analytics, and behavioral nudges—and how innovation stays grounded in what participants really need.Key Insights:AI boosts personalization in retirement planningMichael Allen shares how AI lets Morningstar offer dynamic, personalized advice. Instead of long forms, participants now engage in simple, human-like conversations.Innovation solves real user pain pointsMorningstar's tools, like “AI Insights,” were built to fix specific issues—such as time-consuming reporting—by highlighting key data instantly.Advice at scale with human oversightMorningstar combines AI with trusted forecasting tools. The goal: deliver tailored advice while letting advisors focus on what humans do best.

Phil Orlando is the Chief Market Strategist and Global Head of Investment Directors at Federated Hermes. Phil reflects on the outcomes of the November elections and shares thoughts on the potential implications to the 2026 midterms. We also discuss the potential road ahead for U.S. trade policy, along with monetary policy ahead of the December FOMC meeting. Host: Daniel Cassidy

For episode 643 of the BlockHash Podcast, host Brandon Zemp is joined by Clare Adelgren, Global Head of Blockchain Sales and Operations for EY.EY Blockchain is delivering SaaS Solutions using privacy-enabled blockchain technologies to transform the ways enterprises transact and interact. ⏳ Timestamps: (0:00) Introduction(0:42) Who is Clare Adelgren?(2:31) EY at Blockchain Futurist(3:51) EY clients(5:28) What are enterprise companies most interested in with Web3?(11:11) Thoughts on the impact of regulations on Crypto(14:27) EY roadmap for 2026 

Artificial intelligence may appear weightless, but its backbone is built on vast, energy-hungry data centers. In this episode, host Kokou Agbo-Bloua explores how these facilities—from corporate server farms to hyperscale sites—have become the brain of the AI boom. Kokou dissects the dual demands of AI: training massive models and running inference, and how these processes are fundamentally reshaping global energy and water consumption, while fuelling a trillion-dollar investment race.Later, Sikander Rashid, Global Head of AI Infrastructure at Brookfield Asset Management, joins to discuss how investors are navigating soaring demand for computational power amid the global race towards Artificial General Intelligence (AGI). He shares his insights on how balancing carbon mitigation with capacity expansion could reshape global capital flows and addresses the age-old question: are we in an AI boom or a bubble?Tune in now to uncover the hidden infrastructure behind AI—and what it means for the future of technology, finance, and the planet.CreditsPresenter & Writer: Kokou Agbo-BlouaProducers & Editors: Jovaney Ashman, Jennifer Krumm, Louis TrouslardSound Director: La Vilaine, Pierre-Emmanuel Lurton. Music: Cézame Music AgencyGraphic Design: Cédric CazalyWhilst the following podcast discusses the financial markets, it does not recommend any particular investment decision. If you are unsure of the merits of any investment decision, please seek professional advice. Hosted by Ausha. See ausha.co/privacy-policy for more information.

 In this episode of Beyond Marketing, The Podcast, our host Maira Genovese sits down with Ligia Patrocinio, Global Head of Desperados at Heineken, to unpack what it really takes to stand out in one of the world's most competitive and creatively saturated categories.From winning Cannes Gold and Silver Lions to building culturally resonant, creator-led campaigns, Ligia shares how bold thinking, real listening, and trusting the process are driving Desperados into the future.She also reflects on her journey from the Brazilian countryside to the global stage, and how growing up with grit and heart shaped the fearless leader she is today: one who leads with purpose, embraces discomfort, and pushes her teams to break the mold.

The CPG Guys are joined in this episode by Kristi Argyilan, Global Head of Advertising at Uber.Follow Kristi on LinkedIn at: https://www.linkedin.com/in/kristiargyilan/Follow Uber on LinkedIn at: https://www.linkedin.com/company/uber-advertising/Follow Uber online at: https://www.uber.com/us/en/advertising/Kristi answers these questions:Can you walk us through your role at UBER Ads and how the organization fits within the broader UBER ecosystem?What unique value does UBER bring to the retail media landscape, especially compared to traditional players like retailers or streaming platforms?What makes advertising within the food delivery sector different from other consumer industries?  What types of CPG brands are seeing the most success on UBER Ads—and why?How do you balance the needs of large national CPGs vs. emerging or local brands?Can you share a campaign or partnership or examples that exemplify what "great" looks like on UBER Ads? aka what is best in class?What role does data play in segmenting and targeting audiences? How do you balance broad reach with personalization?What key performance indicators (KPIs) do you consider most critical when evaluating ad success at UBER? Can you share some examples of how data insights have directly influenced campaign adjustments?How do you tailor campaigns to resonate with diverse local markets versus a national audience? What does working with UBER ads entail - aka the customer experience?What advice would you give to brands, especially in the consumer packaged goods arena, looking to leverage digital advertising for growthCPG Guys Website: http://CPGguys.comFMCG Guys Website: http://FMCGguys.comSheCOMMERCE Website: https://shecommercepodcast.com/Rhea Raj's Website: http://rhearaj.comLara Raj in Katseye: https://www.katseye.world/DISCLAIMER: The content in this podcast episode is provided for general informational purposes only. By listening to our episode, you understand that no information contained in this episode should be construed as advice from CPGGUYS, LLC or the individual author, hosts, or guests, nor is it intended to be a substitute for research on any subject matter. Reference to any specific product or entity does not constitute an endorsement or recommendation by CPGGUYS, LLC. The views expressed by guests are their own and their appearance on the program does not imply an endorsement of them or any entity they represent. CPGGUYS LLC expressly disclaims any and all liability or responsibility for any direct, indirect, incidental, special, consequential or other damages arising out of any individual's use of, reference to, or inability to use this podcast or the information we presented in this podcast.

Dr. Anil Kane, Global Head of Technical & Scientific Affairs at Thermo Fisher Scientific, joins Ross Katz to discuss how AI, machine learning, and digital tools are reshaping drug development. From predictive modeling for formulation to digital manufacturing efficiencies, discover how data-driven approaches are reducing time, cost, and complexity in pharma innovation. What You'll Learn in This Episode: >> How predictive modeling eliminates trial-and-error in drug formulation >> The role of AI/ML in improving manufacturing efficiency and reducing downtime >> How Thermo Fisher's ASAP program accelerates stability testing >> The future of digital transformation in pharma, including OpenAI partnerships >> Where human expertise fits in a digitally enhanced development pipeline Meet Our Guest Dr. Anil Kane is the Executive Director and Global Head of Technical & Scientific Affairs at Thermo Fisher Scientific, where he oversees a global team supporting drug development, scale-up, and technical strategy across sites in North America and Europe.  About The Host Ross Katz is Principal and Data Science Lead at CorrDyn. Ross specializes in building intelligent data systems that empower biotech and healthcare organizations to extract insights and drive innovation. Connect with Our Guest: Sponsor: CorrDyn, a data consultancyConnect with Anil Kane on LinkedIn  Connect with Us: Follow the podcast for more insightful discussions on the latest in biotech and data science.Subscribe and leave a review if you enjoyed this episode!Connect with Ross Katz on LinkedIn Sponsored by… This episode is brought to you by CorrDyn, the leader in data-driven solutions for biotech and healthcare. Discover how CorrDyn is helping organizations turn data into breakthroughs at CorrDyn.

Send us a textThe spirits industry has fundamentally changed. While brands once viewed bars as non-negotiable, many of today's most successful brands have achieved success through a targeted approach at retail and e-commerce. Yet the on-premise isn't just surviving, it's evolving into a channel where brands need to be more strategic than ever.On this episode of the Park Street Insider Podcast, we explore why understanding cocktail culture remains essential for achieving brand success. With on-premise sales up 4% year-over-year and venue counts rising as we enter the peak holiday season, the bar world continues to serve as the critical channel ground where consumer trends are born, not just observed.Charlotte Voisey, Executive Director at Tales of the Cocktail and former Global Head of Ambassadors at William Grant & Sons, reveals how the most significant shifts in cocktail culture took root and why direct dialogue with bartenders delivers strategic intelligence that shapes smarter brand decisions. Then Overproof's Chief Analytics Officer Ed Dobbles breaks down exactly what's winning in the 2025 on-premise: which cocktails dominate menus, what flavors consumers crave, and why emerging brands have a unique advantage right now.Featured Guests:Charlotte Voisey, Executive Director, Tales of the Cocktail FoundationEd Dobbles, Chief Analytics Officer, OverproofMentioned in this episode:William Grant & SonsOverproofWatch on YouTube: The Evolution of Cocktail Trends in the Last 25 YearsCocktail Trends: How Bar Menus are ChangingWant to stay in the know about new episodes from the podcast? Fill out the form below: https://share.hsforms.com/1MEb-81x2TXi3f15qO_yEpA4tip1Learn More About Park StreetSign up for our Daily Industry Newsletter.Sign Up for our Monthly Newsletter.Check out Park Street's Guide to Getting Started in the U.S. MarketFollow us for more industry insights onLinkedIn FacebookTwitterInstagram

Rudi Anggono is the Global Head of Creative at Snap and previously the Head of Creative Innovation at the LEGO Group, leading its integrated creative team within Product and Marketing Development and collaborating with Creative Play Lab on new product ideas. With a career spanning advertising, product design, and research, he has shaped iconic global brands and experiences. Formerly Global Executive Creative Director at Beyond X and Google Commerce UX, his patented design work influenced Google Travel and sustainability initiatives recognized by Sundar Pichai at the UN. Previously Head of Creative at Google ZOO and Executive Creative Director at TBWAParis for Nissan Europe, Rudi's award-winning work includes Cannes Lions, EFFIEs, and an Emmy Award.

Last December, the Vogue Runway team created a list of the fashion moments that have defined the 21st-century so far. Now they are taking it a step farther and highlighting the most memorable shows of the past 25 years. Nicole invited Global Head of Fashion Network Virginia Smith, Senior Archive Editor Laird Borelli-Persson, and now- Vanity Fair Global Editorial Director Mark Guidicci to run through their top picks, and today we're revisiting that episode ahead of the holiday.The Run-Through with Vogue is your go-to podcast where fashion meets culture. Hosted by Chloe Malle, Head of Editorial Content, Vogue U.S.; Chioma Nnadi, Head of British Vogue; and Nicole Phelps, Director of Vogue Runway, each episode features the latest fashion news and exclusive designer and celebrity interviews. Learn about your ad choices: dovetail.prx.org/ad-choices

Kevin Shtofman is the Global Head of Alliances and Corporate Development at Cherre, a real estate data platform powering over $3.3 trillion in AUM. With 20+ years of experience across real estate, finance, and consulting, Kevin leads global initiatives to integrate and contextualize data from systems, third parties, and JV partners, helping investors, operators, and asset managers make smarter decisions. At Cherre, he also oversees strategic partnerships, global expansion, and the innovation roadmap. Prior to joining Cherre, Kevin held leadership roles across the industry, including Chief Operating Officer at NavigatorCRE, and Global Real Estate Technology Strategy Lead at Deloitte, where he advised clients on emerging technologies like AI, automation, and blockchain. A recognized voice in real estate innovation, Kevin brings two decades of experience bridging data, operations, and technology across global real estate markets. Outside of work, Kevin is a golf enthusiast, occasional Ironman, and proud father of three daughters.(02:05) - Kevin's Background(05:19) - Challenges in Real Estate Data Management(06:52) - Cherre's Approach to Data Integration(13:48) - Evolution of Cherre's Platform(21:41) - Client Success Stories(24:58) - Future of Real Estate and AI(25:23) - Feature: Blueprint - The Future of Real Estate - Register for 2026: The Premier Event for Industry Executives, Real Estate & Construction Tech Startups and VC's, at The Venetian, Las Vegas on September 22nd-24th, 2026. As a friend of Tangent, you can save $300 on your All-Access pass(29:58) - Introducing Cherre AI Agent Marketplace(33:58) - AI Use Cases(40:06) - The Future of Real Estate Data(42:29) - Affordable Housing and Investment(47:37) - Collaboration Superpower: William Levitt (Wiki) & Larry Brown (Wiki)

By  Adam Turteltaub Listen up people:  It's all about the people. That's the key message from Gabor Sulyok, Global Head of Commercial and Healthcare Compliance at BioNTech and experienced senior compliance counsel Luciane Mallmann. At its core, ethics and compliance is a human endeavor. While regulations and standards provide the structure, it's the people within an organization who bring these principles to life. A people-centered approach to compliance programs enhances engagement, supports better decision-making, and fosters a culture of integrity. From design to execution, every aspect of the program should reflect a deep understanding of how people learn, behave, and interact. This means rethinking how we educate, maintain awareness, and ensure accountability. Policies must be relatable and actionable. Training should be immersive and role-specific. And accountability should be balanced with support to avoid creating a risk-averse culture. They explain in the podcast that there are three key elements of a people-centered framework: Speak-Up Culture A healthy program starts with psychological safety. Employees must feel empowered to raise concerns without fear of retaliation. Transparency and Accountability Transparency builds trust. Training should include real-life ethical dilemmas and storytelling that resonates with employees. Sharing actual cases from within the company helps humanize compliance and makes it more relatable. Accountability, meanwhile, must be visible and fair. Leaders should model ethical behavior and be the first to complete training, setting the tone from the top. Ethical Decision-Making  Decision-making frameworks should incorporate diverse perspectives and encourage thoughtful deliberation. Employees need tools to navigate ambiguity, and those tools must be grounded in the organization's values. Listen in to learn more about how to put people front and center in your ethics and compliance program.

"You need to fall in love with the why, right, not just the numbers, not just the data, not just the metric." On the latest episode of the Shiny New Object Podcast, Kiesse Lamour, Global Head of Media, Commerce at VML, tells us why marketers need to understand the bigger picture and move slower to deliver higher-quality work that actually brings better results, faster. Tune in to hear why too many marketers lose sight of the bigger picture, how to build a career people will remember for the right reasons, and how to avoid management by spreadsheet.

Today's episode is my discussion with Chris Maguire, Head of Product and Industry for Corporates at Thomson Reuters. Previously, he served as the General Manager of Corporate Risk, where he was responsible for managing U.S. sales, client management, and revenue for corporate CLEAR, Court Express, and other risk offerings. Before this role, Chris was the General Manager of Corporate Legal Software, Risk, and Compliance. Chris joined Thomson Reuters in 2005. From 2012 through 2017, he was the Global Head of Strategy for Thomson Reuters Legal. During 2016 and 2017, he also represented the Legal business at the Enterprise Centre in Zug, Switzerland.With this experience behind him, Chris generously shares his experiences in everything from acquisitions to compliance, from legal content & software right through to tax needs and of course, the famous Reuters news service.This is a broad ranging discussion and well worth the investment of your time!Send us a textContact ABM Risk Partnership to optimise your risk management approach: email us: info@abmrisk.com.au Tweet us at @4RiskCme Visit our LinkedIn page https://www.linkedin.com/company/18394064/admin/ Thanks for listening to the show and please keep your guest suggestions coming!

When a leader reaches the top, the climb doesn't stop, it just changes shape. The real challenge isn't getting to the corner office, it's knowing how to stay relevant, resilient, and ready for what's next. The best CEOs don't just lead well once; they lead well through change, mastering the cycles of their own growth. In this episode, I sit down with Kurt Strovink, Senior Partner at McKinsey & Company and Global Head of McKinsey's CEO Practice, to break down the cyclical nature of leadership from his book A CEO for All Seasons: Mastering the Cycles of Leadership. Drawing from research on 200 high-performing CEOs, we explore the four seasons of leadership—stepping up, starting strong, staying ahead, and sending it forward—and what distinguishes those who sustain excellence over time. We dive into how cognitive diversity strengthens decision-making, servant leadership keeps power grounded in purpose, and renewal strategies prevent success from breeding complacency. We also explore how great CEOs develop resilience under pressure and create leadership factories that outlast them. This episode offers CHROs a playbook to help leaders evolve through every phase of their journey, and build organizations capable of thriving through every season of change. ------------ Start your day with the world's top leaders by joining thousands of others at Great Leadership on Substack. Just enter your email: ⁠⁠https://greatleadership.substack.com/ Looking for what actually moves the needle on performance and retention? It's in The 8 Laws of Employee Experience. Preorder here: 8EXLaws.com

In this episode of the InsuranceAUM.com Podcast, host Stewart Foley sits down with Siddharth Dahiya, Global Head of Emerging Market Debt at Aberdeen Investments, to unpack one of the most dynamic and evolving areas of institutional fixed income—emerging market debt (EMD). With decades of experience in global markets and deep roots in insurance investing, Siddharth provides a clear and comprehensive breakdown of the EMD universe—from hard currency sovereigns and corporates to local currency bonds and frontier markets.   The discussion covers the structural advantages of EMD, including improving fundamentals, increasing credit rating upgrades, and attractive spreads versus similarly rated developed market debt. Siddharth also dives into how private credit within emerging markets is gaining traction with insurance portfolios, offering enhanced yields and structural protections. For insurance investors seeking diversification, real yield, and capital efficiency, this episode offers actionable insights into a sector that's once again demanding attention.   Whether you're seeking a defensive allocation or exploring yield-enhancing strategies, Siddharth shares why now may be the right time to give EMD a second look.

Veronika Kryuchkova, Global Head of Capability Building for the Reckitt Marketing Academy, joins Rishad to explore how we can thrive in a world that's becoming more human and more machine.She reveals why high-agency professionals, those who combine belief, action, and ownership, will dominate the future of work. Veronika reframes career growth for the new era: it's no longer about climbing the ladder but designing your own Capability Stack, the intentional blend of core, human, and future capabilities that compounds like an investment portfolio. And she makes a bold case for continuous micro-reinventions as the growth engines of fulfilling careers. Her message is clear and timely: in a human-machine age, those who thrive will treat their careers as investments to grow, not contracts to protect.#FutureOfWork #Advertising #Business

Larry Wade, Global Head of Compliance and Regulatory Relations for Crypto at PayPal, joined me at Chainlink SmartCon to discuss PayPal's crypto services and its PYUSD stablecoin.Brought to you by ✅ VeChain is a versatile enterprise-grade L1 smart contract platform https://www.vechain.org/

In this episode with Robbie Mitchnick, Global Head of Digital Assets for BlackRock, we discuss: How BlackRock's $IBIT spot Bitcoin ETF became a historic success (and smashed gold's ETF record) Whether spot Bitcoin ETF flows are really being driven by retail investors or institutions Bitcoin has libertarian/cypherpunk roots: should we be concerned that large institutions are now involved The biggest misconceptions about Bitcoin Robbie hears from investors and skeptics How much Bitcoin BlackRock recommends in a diversified portfolio Learn more: https://www.blackrock.com/sg/en/insights  ---- It's officially out! Order Natalie's new book "Bitcoin is For Everyone," a simple introduction to our financial system and the best performing asset:  https://amzn.to/3WzFzfU ---- Coin Stories is powered by Gemini. Invest as you spend with the Gemini Credit Card. Sign up today to earn a $200 intro Bitcoin bonus. The Gemini Credit Card is issued by WebBank. See website for rates & fees. Learn more at https://www.gemini.com/natalie  ---- Coin Stories is powered by Bitwise. Bitwise has over $10B in client assets, 32 investment products, and a team of 100+ employees across the U.S. and Europe, all solely focused on Bitcoin and digital assets since 2017. Learn more at https://www.bitwiseinvestments.com  ---- Ledn is the global leader in Bitcoin-backed loans, issuing over $9 billion in loans since 2018, and they were the first to offer proof of reserves. With Ledn, you get custody loans, no credit checks, no monthly payments, and more. Get .25% off your first loan, learn more at https://www.Ledn.io/natalie  ---- Natalie's Bitcoin Product and Event Links: For easy, low-cost, instant Bitcoin payments, I use Speed Lightning Wallet. Play Bitcoin trivia and win up to 1 million sats! Download and use promo code COINSTORIES10 for 5,000 free sats: https://www.speed.app/coinstories  Block's Bitkey Cold Storage Wallet was named to TIME's prestigious Best Inventions of 2024 in the category of Privacy & Security. Get 20% off using code STORIES at https://bitkey.world   Master your Bitcoin self-custody with 1-on-1 help and gain peace of mind with the help of The Bitcoin Way: https://www.thebitcoinway.com/natalie  Genius Group (NYSE: $GNS) is building a 10,000 BTC treasury and educating the world through the Genius Academy. Check out *free* courses from Saifedean Ammous and myself at https://www.geniusgroup.ai Earn passive Bitcoin income with industry-leading uptime, renewable energy, ideal climate, expert support, and one month of free hosting when you join Abundant Mines at https://www.abundantmines.com/natalie  Bitcoin 2026 will be here before you know it. Get 10% off Early Bird passes using the code HODL: https://tickets.b.tc/event/bitcoin-2026?promoCodeTask=apply&promoCodeInput=  Protect yourself from SIM Swaps that can hack your accounts and steal your Bitcoin. Join America's most secure mobile service, trusted by CEOs, VIPs and top corporations: https://www.efani.com/natalie   Ditch your fiat health insurance like I did four years ago! Join me at CrowdHealth: www.joincrowdhealth.com/natalie  ---- This podcast is for educational purposes and should not be construed as official investment advice. ---- VALUE FOR VALUE — SUPPORT NATALIE'S SHOWS Strike ID https://strike.me/coinstoriesnat/ Cash App $CoinStories #money #Bitcoin #investing

In this FOMO Sapiens episode, Patrick McGinnis speaks with Byron Lofflin, Global Head of Board Advisory at NASDAQ and co-author of CEO Ready, about how to build better boards, smarter leaders, and more resilient organizations. Lofflin's career was shaped by the 2008 financial crisis, when he saw firsthand the cost of poor governance and weak risk oversight. Since then, he's made it his mission to elevate board standards and prepare future CEOs for the realities of leadership.He argues that true readiness goes beyond qualifications; it's about humility, process, and the courage to ask the right questions. Lofflin explains how succession planning should be a continuous improvement cycle, not a last-minute search, and why boards must proactively manage stakeholder dynamics to avoid surprises like the OpenAI leadership crisis. Through case studies and practical frameworks, Lofflin offers a playbook for leaders who want to build excellence at every level, from boardrooms to executive suites. Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textIn this podcast we will pick his brain to talk with us about the Business Model of Myopia Management. He will walk us through the business models he heard of. Here we can learn the biggest roadblock oh how he incorporates myopia management to a busy primary care practice. As we all know Myopia practice takes a little bit of time.If you want to implement and you don't want to do this yourself then you need to HIRE a recent graduate that has an interest in children and myopia management.  About Dr. Dwight Akerman: Dr. Dwight Akerman serves as the Chief Medical Editor at Review of Myopia Management, the world's most widely subscribed myopia journal. He is an internationally recognized senior healthcare leader with extensive experience in myopia management, peer education & communications, medical marketing, innovation, financial management, and M&A/business development & licensing.Dr. Akerman was the Vice President & Global Head of Professional Affairs & Business Development for Alcon before retiring from this role in 2019. He has published widely and is a frequently invited peer educator on myopia management, cornea, contact lens, and business management topics. Dr. Akerman graduated cum laude from the Illinois College of Optometry and earned an MBA degree from the University of Texas. He has achieved the status of Diplomate of the American Academy of Optometry Cornea, Contact Lenses & Refractive Technologies Section, Fellow of the International Association of Contact Lens Educators, and Fellow of the British Contact Lens Association. He currently serves as Chairman of the Board of Trustees of the Illinois College of Optometry. --------Thanks to TEEM for their support of this episode. If you're considering or have ever considered getting a virtual team member for your practice check out hiredteem.com, mention The Myopia Podcast when signing up for a $250 dollar discount off of your first month's teem member.https://hireteem.com/myopia-podcast/

In this episode, Neil Shah, Co-Head of the Financial Sponsors Group at Evercore, sits down Dan Zilberman, Managing Director, Global Head of Capital Solutions, and Global Co-Head of Financial Services at Warburg Pincus. During their conversation, they discuss Dan's career path, advice for the next generation, and the importance of finding your passion. Thank you for joining us!Neil Shah – senior managing director and Co-Head of the Financial Sponsors Group at EvercoreDan Zilberman – Managing Director, Global Head of Capital Solutions, and Global Co-Head of Financial Services at Warburg Pincus© Evercore Inc. 2025. All rights reserved.The material contained herein is intended as a general market and/or economic commentary and is not intended to constitute financial, legal, tax, accounting or investment advice. The information contained in this podcast does not constitute an offer to buy or sell securities from any Evercore entity to the listener and should not be relied upon to evaluate any potential transaction. The information contained in this recording was obtained from publicly available sources, has not been independently verified by Evercore, may not be current, and Evercore has no obligation to provide any updates or changes. This podcast is not a product of Evercore Investment Research and the information contained in this podcast is not financial research. The views and opinions expressed in this podcast are not necessarily those of Evercore and may differ from the views and opinions of other departments or divisions of Evercore and its affiliates. In addition, the receipt of this podcast by any listener is not to be taken to constitute such person a client of any Evercore entity. Neither Evercore nor any of its affiliates makes any representation or warranty, express or implied, as to the accuracy or completeness of the statements or any information contained in this podcast and any liability therefore (including in respect of direct, indirect or consequential loss or damage) is expressly disclaimed.

As markets evolve and the traditional 60/40 portfolio faces new challenges, are hedge funds becoming the next core allocation for resilient investing? In this episode of Beyond Markets, William Fong, Head of Alternatives Specialists at Julius Baer for Asia and the Middle East, speaks with Joe Dowling, Senior Managing Director and Global Head of Blackstone's Multi-Asset Investing, about how the endowment model is reshaping portfolio construction.Joe shares insights on why institutions have leaned heavily into alternatives, how multi-strategy hedge funds are delivering uncorrelated returns, and what private investors can learn from the playbook of elite endowments. From risk management to the “democratisation of alternatives”, this episode explores how hedge funds may just be part of the new 60/40 for long-term investors seeking durability and diversification.This episode was recorded on 28 October 2025.(00:10) - – The endowment model (03:24) - – Is it limited to institutional investors? (05:02) - – A typical allocation split (06:28) - – The importance of a long-term approach (07:16) - – Recent criticisms of the endowment model (09:03) - – Hedge funds: a bond substitute? (11:23) - – The rise of multi-strategy funds (13:24) - – How multi-strategy funds have performed throughout volatility (15:13) - – What to look for in a good multi-strategy fund (16:33) - – Absolute return vs index investing (18:33) - – Are multi-strategy funds getting too big? (20:17) - – Are single-manager, single-strategy funds still relevant? (21:32) - – Rebalancing – a critical element (22:44) - – Fund manager expertise, and the art of portfolio construction (27:01) - – Thoughts on private equity and infrastructure (31:33) - – An ivy league education? Or an alternatives portfolio?

Re-engineering Tokenization continues this week with Carrie Jaquith, Global Head of Digital Product at Abaxx Technologies. David Greely sits down with Carrie to discuss what makes new technology adoptable by large institutions, the importance of it being interoperable and auditable, and why we should be thinking of augmenting existing PDF-based processes rather than replacing them as we re-engineer tokenization.

Michael Zezas, our Global Head of Fixed Income Research and Public Policy Strategy, highlights what investors need to watch out for ahead of next year's U.S. congressional elections.Read more insights from Morgan Stanley.----- Transcript -----Welcome to Thoughts on the Market. I'm Michael Zezas, Global Head of Fixed Income Research and Public Policy Strategy.Today, we're tackling a question that's top of mind after last week's off-cycle elections in New Jersey, New York, Virginia, and California: What could next year's midterm elections mean for investors, especially if Democrats take control of Congress?It's Friday, Nov 14th at 10:30am in New York.In last week's elections, Democrats outperformed expectations. In California, a new redistricting measure could flip several house seats; and in New Jersey and Virginia Democrat candidates, won with meaningfully higher margins than polls suggested was likely. As such prediction markets now give Democrats a roughly 70 percent chance of winning the House next year.But before we jump to conclusions, let's pump the brakes. It might not be too early to think about the midterms as a market catalyst. We'll be doing plenty of that. But we think it's too early to strategize around it. Why? First, a lot can change—both in terms of likely outcomes and the issues driving the electorate. While Democrats are favored today, redistricting, turnout, and evolving voter concerns could reshape the landscape in the months to come. Second, even if Democrats take control of the House, it may not change the trajectory of the policies that matter most to market pricing. In our view, Republicans already achieved their main legislative goals through the tax and fiscal bill earlier this year. The other market-moving policy shifts this year—think tariffs and regulatory changes—have come through executive action, not legislation. The administration has leaned heavily on executive powers to set trade policy, including the so-called Liberation Day tariffs, and to push regulatory changes. Future potential moves investors are watching, like additional regulation or targeted stimulus, would likely come the same way. Meanwhile, the plausible Republican legislative agenda—like further tax cuts—would face steep hurdles. Any majority would be slim, and fiscal hawks in the party nearly blocked the last round of cuts due to concerns over spending offsets. Moderates, for their part, are unlikely to tolerate deeper cuts, especially after the contentious debate over Medicaid in the OBBBA (One Big Beautiful Bill Act). So, what could change this view? If we're wrong, it's likely because the economy slows and tips into recession, making fiscal stimulus more politically appealing—consistent with historical patterns. Or, Democrats could win so decisively on economic and affordability issues that the White House considers standalone stimulus measures, like reducing some tariffs. How does this all connect to markets? For U.S. equities, the current policy mix—industrial incentives, tax cuts, and AI-driven capex—has supported risk assets and driven opportunities in sectors like technology and manufacturing. But it also means that, looking deeper into next year, if growth disappoints, fiscal concerns could emerge as a risk factor challenging the market. There doesn't appear an obvious political setup to shift policies to deal with elevated U.S. deficits, meaning the burden is on better growth to deal with this issue. Thanks for listening. If you enjoy Thoughts on the Market, please leave us a review and share the podcast. We'll keep you updated as the story unfolds.

What if the most powerful tool for saving time, making money, and transforming your life was already right in front of you? And yet you're most likely using it incorrectly or not using it at all. That tool is AI – artificial intelligence. Have you noticed: it seems like everybody is talking about AI everywhere you turn? You're already living with it every single day, whether you notice it or not. So, you might as well be the one in charge of how you use it. That's why Mel has been searching for the right expert to come on the show to empower you, step by step, on how you can best use AI to benefit your life. That's what you'll hear today from Allie K. Miller, who Mel calls “The AI Whisperer” because she is in the ear advising some of the world's leading brands on AI. Allie launched the first multimodal AI team at IBM, was the Global Head of AI for Startups and Venture Capital at Amazon Web Services, is the most-followed AI voice on LinkedIn and one of TIME Magazine's 100 Most Influential People in AI. And she isn't here to scare you about artificial intelligence. She's here to show you how to use it in ways that can improve your life, starting today. Allie breaks down how AI actually works, what it can do for your day-to-day life, and how you can use it to make your days better and easier. You don't need to be a coder or a tech person to follow along. Mel is right there with you as a beginner to AI. Allie explains it all clearly, with real-life examples. In fact, if you've ever felt behind on technology or overwhelmed by the hype, this episode will leave you feeling empowered. It's time for a real, human conversation about AI – one that will give you the truth, the confidence, and the step-by-step moves that will help you take control of your time, your money, and your life. For more resources related to today's episode, click here for the podcast episode page. If you liked the episode, check out this one next: How to Get Things Done, Stay Focused and Be More ProductiveConnect with Mel:  Get Mel's newsletter, packed with tools, coaching, and inspiration.Get Mel's #1 bestselling book, The Let Them TheoryWatch the episodes on YouTubeFollow Mel on Instagram The Mel Robbins Podcast InstagramMel's TikTok Subscribe to SiriusXM Podcasts+ to listen to new episodes ad-freeDisclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.