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Chris Whalen, chairman of Whalen Global Advisors and author of The Institutional Risk Analyst blog, joins The Julia La Roche Show for "The Wrap with Chris Whalen." In this episode of The Wrap, Whalen breaks down why GSE release is officially off the table after Trump ordered them to buy back their own debt—a move Whalen calls "politics" driven by midterm election fears. He shares his take on crypto as "a polite form of gambling," explains why he prefers gold over silver despite silver's recent run, and dives deep into the housing market's affordability crisis. Whalen reveals his biggest concern for 2026: the hidden risks in private equity and credit, calling them "rancid pools of illiquid, opaque assets" that could cause major bank losses. He also weighs in on the DOJ's subpoena of Fed Chair Jerome Powell, predicting Kevin Warsh will likely be the next Fed chair, and closes with his outlook on markets, the dollar, and bank stocks.Links:    The Institutional Risk Analyst: https://www.theinstitutionalriskanalyst.com/  Inflated book (2nd edition): https://www.barnesandnoble.com/w/inflated-r-christopher-whalen/1146303673Twitter/X: https://twitter.com/rcwhalen    Website: https://www.rcwhalen.com/   Timestamps:0:00 Welcome back to the Wrap with Chris Whalen0:30 GSE release officially off the table?2:32 The $200 billion announcement is politics 4:08 Political landscape and midterm elections 4:49 Crypto legislation falls apart 5:14 Crypto as speculation vs. gold & silver 6:40 Silver's short squeeze and volatility 8:30 Gold vs. silver as long-term trades 9:07 Copper and Dr. Copper as economic indicator 10:10 Housing policy and affordability crisis 12:10 Will the Fed allow home prices to fall? 14:30 Bank earnings season takeaways 16:50 Consumer delinquencies and economic warning signs 18:12 The hidden risk in private equity and credit 19:48 The "POOP" problem in private lending 21:42 Private credit as a ticking time bomb 22:58 Jerome Powell's DOJ subpoena 24:21 Kevin Warsh and the future of the Fed 27:05 Could the Fed resume MBS purchases? 28:56 Viewer question: NLY/Annaly REIT 30:52 Parting thoughts and 2026 outlook 31:46 Closing

Debra Meyerson and the “Slow Fall Off a Cliff”: Aphasia After Stroke, Identity, and What Recovery Really Means There are stroke stories that arrive like lightning. And then there are the ones that feel like a quiet, terrifying slide hour by hour until you wake up and everything is different. For Debra Meyerson (also known as Deborah), that difference had a name: “the slow fall off a cliff.” Her husband Steve describes watching the change unfold overnight in the hospital, neurological tests every hour, skills fading, the unknown getting heavier with each check-in. And the scariest part? Not knowing where the bottom was. This episode isn't only about what Debra lost. It's about what she rebuilt with aphasia, with grief, with a fierce independence that made asking for help its own mountain, and with a new definition of recovery that doesn't depend on going back in time. When Stroke Doesn't “Hit”… It Develops One of the most jarring elements of Debra's experience was the way the stroke revealed itself. Steve shares that Debra left the emergency room still talking, slurring a little, but still planning. Still believing she'd be back teaching soon. Then the overnight monitoring began, and the decline became visible. From midnight to morning, her movement and speech changed dramatically. By morning, she couldn't move her right side. And she couldn't make a sound. That's what makes Debra's phrase so powerful: it captures the reality many survivors and families live through, watching ability disappear in stages, not all at once. It's not just a medical event. It's an emotional one. And it changes how you experience time. The mind starts bargaining. The heart starts bracing. The body is suddenly not predictable anymore. The Hidden Clue: Dissection, Headaches, and Near-Misses Debra's stroke was ischemic, but the cause wasn't a typical blood clot. Steve explains that it was due to a dissection, a tear in the inner wall of an artery. In the months leading up to the stroke, there were warning signs: severe headaches episodes where she nearly lost consciousness a moment where she told their son, “I think I'm having a stroke,” but the symptoms resolved before EMS arrived Steve describes a likely “opening and closing” pattern of temporary interruptions to blood flow that didn't show up clearly during exams because, in the moment, she appeared okay. This is one reason caregivers can feel so haunted after the fact: you did the right things, you sought help, you went to specialists… and the stroke still happened. That's not failure. That's reality. 20230922-GSE headshots at CERAS building in Stanford, CA Aphasia After Stroke: When Words Don't Do What You Want Aphasia isn't one experience. It's a spectrum, and Debra's challenge is word-finding, both in speaking and writing. When Bill asks whether writing is easier than speaking, Debra's answer is simple and blunt: it's hard either way. She also notes that dictation isn't a shortcut. What makes Debra's story especially moving is how Steve describes the long arc of speech returning: weeks before she could even form sounds a month or two before repeating words then, months later, the first original word that made it out unprompted, not as an exercise It happened during a normal moment at a table with family, searching for the name of the pig from a movie no one could remember. And Debra suddenly blurted out: “Babe.” It might sound small to someone who's never experienced aphasia. But for anyone who has, or for anyone who's loved someone through it, that moment is enormous. It's proof that the brain is still reaching for language. Proof that the person is still in there, still trying to connect. And yes, Steve mentions melodic intonation therapy, a method that attempts to engage the brain's musical/singing pathways to support speech. Debra's improvement, even years later, is described as gradual marginal gains that add up over time. The Identity Problem Nobody Prepares You For When Bill asks what part of her old identity was hardest to let go, Debra points to the heart of it: Stanford professor athlete fiercely independent skiing (a love that mattered deeply) the ability to do life without needing so much help This is the part many survivors don't see coming: you're not only recovering movement or speech. You're grieving a version of yourself that once felt automatic. And that grief can be complicated, because you might still look like you. Inside, everything is renegotiated. This is where Debra and Steve offer something that can change the trajectory of recovery: adaptation instead of abandonment. Debra couldn't ride a single bike anymore, but they began riding a tandem, and it became the thing they could do together vigorously, something athletic, meaningful, and shared. Not the same. But real. Cycles of Grief: Joy Can Trigger Loss Debra describes grief as something that shows up constantly, “every day… every hour.” Steve offers a powerful example: becoming grandparents. Debra was ecstatic. Over the moon. And then, the next morning, she was furious, spring-loaded into a bad mood, snapping at everything. Why? Because beneath the joy was a private inventory of what she couldn't do: hold the baby safely change a diaper be alone with their grandson the way she wanted to be chase a toddler the way she imagined This is what “cycles of grief” looks like. Not sadness replacing joy. Sadness sitting next to joy. And if survivors don't understand that's normal, they can interpret it as brokenness or failure. It's not. It's grief doing what grief does: reminding you of what mattered. The Care Partner Trap: Guilt, Burnout, and the “Fix It” Reflex Care partners often disappear inside the role. Steve names a different approach, one supported early by friends who told him plainly: if you don't take care of yourself, you're no use to Deb. So he set priorities: exercise eating well sleeping well He also acknowledges how support made that possible: family help, flexible work, and friends showing up. Then comes a line that many couples will recognize immediately: toxic positivity. Steve admits he struggles with sadness; he tends to solve problems, cheer people up, and push toward the bright side. But Debra doesn't always want to be talked out of it. Sometimes she needs space to grieve without being “fixed.” That's the lesson: Support isn't always uplifting someone. Sometimes support is staying present while they feel what they feel. “True Recovery Is Creating a Life of Meaning” Debra's philosophy shows up in the opening of her book and in the arc of this conversation: “True recovery is creating a life of meaning.” At first, recovery was about returning to who she used to be, therapy, effort, pushing hard. Then something shifted: writing a book became a turning point. It helped her stop using her old identity as the measuring stick and start asking a new question: “How do I rebuild a life I can feel good about with the cards I've been dealt?” That idea is the bridge for so many survivors: You don't have to pretend you're fine. You don't have to deny what you lost. But you also don't have to wait for a full return to start living again. Debra Meyerson: Aphasia After Stroke Interview Debra Meyerson's “slow fall off a cliff” stroke led to aphasia, grief, and a new definition of recovery: rebuilding identity with meaning. Stroke Onward: InstagramX.COMFacebookLinkedInYouTubeTikTokVimeo Debra Meyerson X.COMLinkedInFacebookInstagramSteve:LinkedIn Highlights: 00:00 Introduction and Background06:11 The Experience of a Stroke: A Slow Fall Off a Cliff22:45 Navigating Caregiving: Balancing Needs and Support32:01 Understanding Aphasia: A Spectrum of Experiences43:05 The Importance of Sadness in Healing50:08 Finding Purpose Through Advocacy53:31 Building the Stroke Onward Foundation57:12 Advice for New Stroke Survivors Transcript: Introduction and Background –  Steve Zuckerman and Debra Meyerson Bill Gasiamis (00:00)Welcome to the recovery after stroke podcast. name is Bill. And if you’re a stroke survivor or you love someone who is you’re in the right place before we begin a genuine thank you to my Patreon supporters. After more than 10 years of hosting this show solo, your support helps cover the costs of keeping it online and helps me keep showing up for stroke survivors who need hope and direction. And thank you to everyone who supports the show in the simple ways to YouTube comments, Spotify, Apple reviews. people who’ve grabbed my book, and even those who stick around and don’t skip the ads. It all matters more than you know. Today you’re going to meet Deborah Meyerson and her husband, Steve Zuckerman. Deborah describes her stroke as a slow fall off a cliff. And that phrase captures something so many stroke survivors experience but struggle to explain. We talk about aphasia after stroke, word finding. The moment a single word returned and what happens when recovery stops meaning going back and starts meaning rebuilding a life you can actually feel proud of. Deborah and Steve Myerson. Welcome to the podcast. Debra and Steve (01:08)Steve Zuckerman That’s okay. I don’t mind being Mr. Meyerson from time to time. Bill Gasiamis (01:17)Steve Zuckerman, of course. I mean, I’ve seen it on every email. I’ve seen it on every conversation we’ve had, but that’s okay. I mean, you’ve probably been called worst, Steve. Debra and Steve (01:29)Absolutely, much worse. Bill Gasiamis (01:32)Debra, before the stroke, how would you have described yourself professionally, socially and personally? Debra and Steve (01:39)Outgoing, social, comfortable, no time to to to other’s time. Not taking up other people’s time? Yes. In contrast to me. Bill Gasiamis (01:59)Yes, David, you’re very needy. Debra and Steve (02:02)Yeah, and ⁓ yeah, it’s really outgoing. Bill Gasiamis (02:09)Outgoing, yeah, fantastic. Debra and Steve (02:11)I’ll add, because you didn’t say it, a incredibly hardworking, self-demanding professional for whom good was never good enough. Yeah. Yeah. Yeah. Something like that. Bill Gasiamis (02:23)perfectionist. Fair enough Steve. What roles defined you back then? you’re a partner, you’re a father. How did you go about your day? Debra and Steve (02:37)I mean, I think, you know, very similar to Deb, we were both hard driving professionals who had serious careers. We had three kids that we were raising together and both took parenting very seriously. So worked really hard, you know, to not travel at the same time, to be home for dinner, ⁓ to be at sports games. And we were both very athletic. So both things we did together and things we did separately. I think, you know, before Deb’s stroke, most of our time and attention was focused on career and family and, you know, sort of friends were a third, but, ⁓ staying healthy and staying fit. So those were kind of all parts of, I think, who we both were. met mother, ⁓ athletic sailor, biker, ⁓ ⁓ family is first in academics. Bill Gasiamis (03:44)and academic and what field were you guys working in? Debra and Steve (03:48)No, am a, Steve is not academic. I am an academic. ⁓ Deb was, you know, immediately before the stroke. Deb was a tenured professor at Stanford. She had had lots of other academic jobs before that. ⁓ We met when I was in grad school for an MBA and Deb was getting her PhD. ⁓ So, you know, she is lot smarter than I am and was willing to work a lot harder academically than I ever was. ⁓ I’ve bounced back and forth between kind of nonprofit roles, nonprofit management roles, and a career in finance and business. So I sort of… have moved back and forth between for-profit and not-for-profit, but always sort of on the business side of things. Bill Gasiamis (04:50)often say when people meet my wife, Christine, for the first time and we talk about what we do and the things that we say. I always say to people that between me and my wife, we have four degrees. And then I qualify that. say, she has four and I have zero. And ⁓ she has a master’s in psychology, but ⁓ I never went to university. I never did any of that stuff. Debra and Steve (05:10)Yeah. Bill Gasiamis (05:19)So it’s very interesting to meet somebody who’s very academic and to be a part of her life when she’s in the study zone. my gosh, like I have never studied that much, that intensely, that hard for anything. And it’s a sight to behold. And I’m not sure how people go through all the academic side, all the requirements. And then also Deb, being a mom, being a friend. being active in your community and doing all the things that you do. I just don’t know how people fit it in. So it’s a fascinating thing to experience and then to observe other people go through. Debra and Steve (05:57)It’s really that we had really a lot of time to talk. It was a full life. Debra Meyerson – The Experience of a Stroke: A Slow Fall Off a Cliff Bill Gasiamis (06:11)Yeah, fantastic. What you did, Deb has described the ⁓ stroke as a slow fall off a cliff. What did it actually feel like in the first moments that the stroke happened? Debra and Steve (06:28)Two weeks after my stroke, I am going to the, back to the classroom. I am really not aware of the damage. So right at the outset, Deb was kind of in denial. As the symptoms were first starting to set in, she was still talking about you know, okay, this is annoying, but in three weeks I’m starting the semester ⁓ and genuinely believed she would. actually the slow fall off a cliff was really how I described the first full night in the hospital. This was in Reno, Nevada. ⁓ And Deb sort of left the emergency room talking. slurring her words a little bit, but talking about how she was going to be back in the classroom. And then over the course of that night, from midnight to eight in the morning, they woke her every hour to do a neurological test, you move your arm, move your leg, point to this, you know, say this word and just her skills got worse and worse and worse. And in the morning, She couldn’t move her right side at all and couldn’t make a sound. And that was the, that’s what we called the slow fall off the cliff because we knew at midnight that there was significant brain damage, but we didn’t see the ramifications of that damage. sort of happened over that eight hour period. ⁓ that Deb really wasn’t aware of any of that. was. you know, kind of her brain was in survival mode. ⁓ But for myself and our oldest son, Danny, you know, that was sort of a feeling of helplessness. was watching the person you love kind of fade away or the capabilities fade away. And we didn’t know how low the bottom would be ⁓ without being able to do anything. Bill Gasiamis (08:53)Is there an explanation for that? Now, obviously Deb had a stroke, so that’s the overarching issue, the problem. But I’ve had a lot of stroke survivors explain their symptoms in that slow onset ⁓ situation, whereas mine were just there. I had a blade in my brain, the symptoms were there. Another person ⁓ had an ischemic stroke, bang, the symptoms were there. So why does it take so long for some people to, for the symptoms to develop? Debra and Steve (09:25)I had a dissection five months ago for this stroke. I had really bad headaches. Yeah, so five, six months before Deb’s stroke, she was having bad headaches. She had two episodes where she kind of almost lost consciousness. And one of them, she actually said to our son, call dad, I think I’m having a stroke. And by the time the EMS got there, she was fine. ⁓ Her stroke, it turned out was caused by a dissection, which is a tear. in the inner wall of the artery. So in some ways it’s like a blood clot. It is an ischemic stroke because it’s the blockage of blood flow. But unlike most ischemic strokes, it’s not because of a blood clot. It’s because of this flap of, it’s not biologically skin, but it’s like a flap of skin coming across and blocking off the blood flow. And what they think happened, and it’s really just educated guessing, is that for that six month period, the flap was there, but it kind of kept opening, closing, opening, closing. So she’d have temporary loss of blood flow to the brain, but not permanent loss. Bill Gasiamis (11:04)We’ll be back with more of Deborah Meyers’ remarkable story in just a moment, but I wanna pause here because what Deborah and Steve are describing is something a lot of us live with quietly. That feeling, you can be having a good moment and then grief shows up out of nowhere, or you’re working so hard to stay positive and it starts to feel like pressure instead of support. In the second half, we’ll go deeper into the cycles of grief. the trap of toxic positivity and the shift that changed everything for Deborah when she stopped measuring recovery by who she used to be and started rebuilding identity with meaning. If this podcast has helped you feel less alone, you can support it by sharing this episode with one person who needs it, leaving a comment or subscribing wherever you’re watching or listening. All right, back to Deborah and Steve. Debra and Steve (11:58)And when she had those two events, it was probably stayed closed a little bit longer, but then opened up. But she had a scan, she went to neurologists and because every time she was examined, it was okay. They didn’t find the problem. And then when she had the stroke, it was a permanent blockage that just didn’t open back up again. And Your question is a great one that I’ve never asked. I don’t know why, because what they told us was we can see the damage to the brain. The brain has been damaged. They can tell that on the scan, but that the impact of that damage, how it will affect your motion and your speech will play out over time. And I don’t know why that was true for Deb, whereas, as you say, for some people, it seems like the impact is immediate. And that’s a, that’s a good one. I’m going to, I’m going to Try to research that a little bit. Bill Gasiamis (12:58)That’s just a curious thing, isn’t it? to sort of understand the difference between one and the other. I’m not sure whether if we find out what the difference is, whether there’s say something that a stroke survivor listening can do or a caregiver can do in that situation, like what can be done? How can it be resolved? Maybe different steps that we need to take. I don’t know, but I’d love to know if there was a doctor or a neurologist or somebody who might be able to answer that. Maybe we need to find someone. Debra and Steve (13:29)The doctor and the neurologist didn’t see it. Yeah, in the period before the stroke, they didn’t see it. While we were in the hospital when the stroke was happening, what they told us was at that point, there really wasn’t anything that could be done. The damage was done. So no intervention. would lessen the damage. ⁓ again, we are far from doctors. So there’s a lot about that that we don’t know. Bill Gasiamis (14:08)understood. Deb, what part of your old identity was the hardest to let go? Debra and Steve (14:14)The Stanford professor, athlete, had really a lot of… One hand is so difficult and independent person. Bill Gasiamis (14:33)Yeah. Debra and Steve (14:34)I am, skiing is so, I really love to ski and I am not, I am really not able to ski. Bill Gasiamis (14:52)understood so you were a professor, you were independent, you were physically active and all that stuff has had to stop happening at this point in time. Debra and Steve (15:03)I am the…striking…crossing…cycling…we are the…the…Sieve and I… Bill Gasiamis (15:19)You guys used to do something tandem. Debra and Steve (15:21)Yes, a lot of time in the stroke across America. Well, so I think we’re sort of answering a couple of different questions at the same time. I think what Deb was saying was early on, kind of in that first three or four years, she really, you know, was giving up her role as a Stanford professor, giving up skiing, cycling, sailing, and just the… not being a fully independent person needing so much help. That was really a lot of the struggle early on. Deb did return to a lot of those things. And that was a big part of the recovery process was realizing that she may not be able to do them the same way she used to, but there were a lot of different things. And then the cycling, Deb can’t ride a single bike, but we started riding a tandem. And that adaptation has proven really important for us because it’s, it’s the thing we can now do together vigorously for long periods of time. That is really a, a sport that we can do together, ⁓ and love. And so that that’s really been a, an adaptive way to get back to something, not exactly the same way as she used to do it before the stroke, but in a way that is very meaningful. Bill Gasiamis (16:46)A lot of stroke survivors tend to have trouble with letting go of their old identity in that they feel like they need to completely pause it and put the whole identity aside rather than adapt it and change it so that you bring over the parts that you can and you make the most of them, know. And adaptive sport is the perfect way. You see a lot of people in the Paralympics becoming gold medalists after they’ve been injured. a sports person before their injury and now all of a sudden they’re champion gold medal winning athletes because they decided to adapt and find another way to participate. And that’s what I love about what you guys just said. That’s still able to meet the needs of that identity, but in a slightly different way. What about you, Steve? Like when Deb goes through a difficult time and she has a stroke and then you guys come home from hospital, you’re dealing with, ⁓ well, all the changes in your life as well because you become a care, while you guys describe it as a care partner, we’ll talk about that in a moment. But as a care partner, ⁓ how do you go about doing that without, and also at the same time, protecting a little bit of your needs and making sure that your needs are met? Because a lot of caregivers, care partners, put all their needs aside and then they make it about the person who is ⁓ recovering from stroke. And then it leads to two people becoming unwell in different ways. One potentially emotionally, mentally, and the other person physically and all the other things that stroke does. Debra and Steve (18:36)Yeah, I mean, I think, um, Kyle was lucky in a couple of ways. One, a very close friend very early on who had been through similar situations said, you know, don’t forget, you’ve got to take care of yourself. If you don’t, you’re of no use to Deb. And so from the very beginning, I had people reminding me. I also had a ton of support in supporting Deb. Deb’s mom, you know, came up and lived with us for six months. ⁓ So I could go back to work a lot sooner than I otherwise would have been able to go back to work. And I was fortunate that my job was fairly flexible. ⁓ But, you know, I loved my work and it meant I wasn’t focused on the caregiving or care partnering aspects of my role 24 seven. I got to go do something else independently. ⁓ We also had a lot of friends lend support as well. So, you know, I think I basically said, I’ve got to organize around supporting Deb, no question about it. But with guidance from friends, I sort of said, okay, my three priorities are going to be exercising, eating well, and sleeping well. And I really just set those out as my goals and I created ways to do that. wall and that was sort of my physical health but also my mental health. And so, you know, sort of a problem solver and compartmentalizer by nature. So I guess maybe I was lucky that dividing up those roles was a little more natural to me than maybe it is for others. But it also took, you know, took deliberate choice to make sure not to let myself get sucked so far into the caring piece. that I got in healthy and was lucky enough to have support so that I was able to not let that happen. Bill Gasiamis (20:42)Yeah, a lot of people feel guilt like this unnecessary guilt that, I can’t leave that person alone or I can’t ⁓ look after myself or take some time to myself because the other person needs me more than I need me. And that’s an interesting thing to experience people talk about in the caregiver role where they become so overwhelmed with the need to help support the other person that they… ⁓ that they have guilt any time that they step away and allocate some care to themselves. They see caring as a role that they play, not as a thing that they also need to practice. Debra and Steve (21:29)Yeah, yeah. Well, I think I was also lucky because Deb is so fiercely independent that she wanted as little help as she could possibly get away with. So ⁓ she was not the kind of stroke survivor that was sort of getting mad when I walked out of the room. It was like she was trying to kick me out of the room at times that I shouldn’t leave the room. And so, you know, again, ⁓ Deb was not a demanding, again, she just wanted as little help as she could possibly survive with. And that probably made it easier for me to not feel guilty because it’s like, well, that’s what she wants. She wants me to get out of here as long as she was safe. Navigating Caregiving: Balancing Needs and Support Bill Gasiamis (22:16)That mindset is a really useful one. It makes it possible for people to activate neural plasticity in the most ⁓ positive way. Because some people don’t realize that when it’s hard to do something and then the easier thing is to say, Steve, can you go get me that or can you do this for me? That neural plasticity is also activated, but in a negative way. ⁓ How does your recovery or your definition of recovery evolve over time? How did it change over time? Debra and Steve (22:57)⁓ How did how you think about recovery change over time? The realizing I had to build realizing I had the of my identity and my life. The same past and writing a book. ⁓ Three, four years ago, four years after my stroke, really, well, ⁓ I am really, I am so committed to doing the best. No. I mean, you know, the first three or four years after Deb’s stroke, it really was all about trying to get back to who she used to be. Therapy, therapy, therapy, therapy, therapy, work hard, we’ll get back to life as we do it. And when Deb said, when she lost tenure and said she wanted to write a book, I thought she was nuts. was like, you know, her speech wasn’t as good then as it is now. you I was at her side when she wrote her first academic book and that was brutal and she didn’t have aphasia. So I was like, I really thought she was nuts. But in hindsight, it really was that process of writing a book that got her to turn her knowledge about identity onto herself. that really changed her view of what recovery meant. She sort of started to let go of recovery means getting back to everything I used to be doing and recovery means how do I rebuild an identity that I can feel good about? May not be the one I’d ideally want, but in the face of my disabilities, how do I rebuild that identity so that I can rebuild a good and purposeful and meaningful life? that really was an evolution for both of us. over the five-year book writing period. I sometimes say it was the longest, cheapest therapy session we could have gotten because it really was that kind of therapeutic journey for us. And really a lot of the 25 people are in the book and the friends and colleagues are in the book, really a lot of the colleagues. Deb was a social scientist and a researcher and she didn’t want to write a memoir. She wanted to write a research book. It has elements of a memoir because her story and our story is threaded throughout. But, you know, we learned so much from the interviews Deb did and and I was not involved in the interviewing process, but having that diversity of stories and understanding some of the things that were very common for stroke survivors and other things that were so different from survivor to survivor helped her, helped us on our journey. So that book writing process had so many benefits. Bill Gasiamis (26:49)Very therapeutic, isn’t it? I went on a similar journey with my book when I wrote it and it was about, again, sharing other people’s stories, a little bit about mine, but sharing what we had in common, know, how did we all kind of work down this path of being able to say later on that stroke was the best thing that happened. Clearly not from a health perspective or from a ⁓ life, ⁓ you know. the risk of life perspective, from a growth perspective, from this ability to be able to ⁓ look at the situation and try and work out like, is there any silver linings? What are the silver linings? And I get a sense that you guys are, your idea of the book was in a similar nature. Do you guys happen to have a copy of the book there? Debra and Steve (27:39)Yes. Of course. Don’t we have it everywhere? Bill Gasiamis (27:42)Yeah, I hope so. Identity theft, yep. I’ve got my copy here somewhere as well. Now, how come I didn’t bring it to the desk? One second, let me bring mine. Yes. There you go, there’s mine as well. I’ve got it here as well. So it’s a really lovely book. ⁓ Hard copy. ⁓ Debra and Steve (27:52)Yeah. You must have the first edition not the second edition. Because we didn’t print the second edition in hard copy so it’s not a white cover can’t tell in the photo. Bill Gasiamis (28:07)okay, that’s why. That is a blue cover. Debra and Steve (28:17)⁓ No, the paper cover on the front. Bill Gasiamis (28:20)The paper cover is a white cover. Debra and Steve (28:22)Yeah. So that’s actually the first edition of the book that came out in 2019. And then the second edition just came out about two months ago. ⁓ And they are largely the same. But the second edition has a new preface that sort of, because we wrote that in 2019 and then had five years of working on Stroke Onward and learning more, we kind of brought our story up to 2020. 2024 and then two chapters at the end, one with some of the insights we’ve learned ⁓ kind of since writing the first book and a final chapter about what we think might need to change in the US healthcare system to better support stroke survivors. So we’ll have to get you a copy of the new one. Yeah. Bill Gasiamis (29:13)Yeah, why not? Signed copy, thank you very much. ⁓ Debra and Steve (29:15)Yeah, and the Julia Wieland. ⁓ It’s available on audiobook as well via, we were fortunate to be able to work with a great narrator named Julia Wieland, who’s an award winning audiobook narrator and actually has a business called Audio Brary that she started to really honor narrators and help promote the narrating of audio. the narrators of audio books. ⁓ well, make sure you send us an email with the right mailing address and we’ll get you new copy. Bill Gasiamis (29:55)Yeah, that’d be lovely. So what I’ll do also is on the show notes, there’ll be all the links for where people can buy the book, right? We won’t need to talk about that. We’ll just ensure that they’re included on the show notes. I love the opening page in the book. ⁓ It’s written, I imagine, I believe that’s Deborah’s writing. Debra and Steve (30:14)⁓ yeah, yeah. yes, we have a signed copy of the first edition. Yeah. Bill Gasiamis (30:20)So it says true recovery is creating a life of meaning. Deborah Meyerson. Yeah, you guys sent me that quite a while ago. By the time we actually connected, so much time had passed. There was a lot of people involved in getting us together. And you know, I’m a stroke survivor too. So things slipped my mind and we began this conversation to try and get together literally, I think about a year earlier. So I love that I have this. this copy and I’m looking forward to the updated one. ⁓ And it’s just great that one of the first things that Deb decided to do was write a book after all the troubles. Now your particular aphasia Deb, I’m wondering is that also, does that make it difficult for you to get words out of your head in your writing as well and typing? Debra and Steve (31:13)Yes, dictation is my dictation. It’s so hard. Speaking and writing isn’t the same. Bill Gasiamis (31:31)Speaking and writing is the same kind of level of difficulty. Understanding Aphasia: A Spectrum of Experiences Debra and Steve (31:35)Yeah, and the ⁓ other survivors in aphasia didn’t, Michael is. Want me to help? Yeah. Yeah, just that, and I think you know that there are so many different ways aphasia manifests itself and word finding is Deb’s challenge and it’s true whether she’s speaking or writing. other people and a guy who rode cross country with us, Michael Obellomiya, he has fluent aphasia. So he speaks very fluently, but sometimes the words that come out aren’t what he means them to be. So the meaning of what he says, even though he says it very fluently, and he also has, I think, some degree of receptive aphasia so that he hears what people are saying, but sometimes the instruction or the detail doesn’t. register for him and so aphasia can be very very different for different people. Bill Gasiamis (32:37)Yeah, there’s definitely a spectrum of aphasia. then sometimes I get to interview people really early on in their journey with aphasia and, ⁓ and speech is extremely difficult. And then later on, if I meet them again, a few years down the track, they have ⁓ an improvement somewhat. ⁓ perhaps there’s still some difficulty there, but they can often improve. ⁓ how much different was the Debra and Steve (33:08)15 years ago? I don’t know speech at all. Bill Gasiamis (33:23)No speech at all. Debra and Steve (33:24)Yeah. So Deb, it took several weeks for her to even be able to create sounds, maybe a month or two before she was sort of repeating words. ⁓ We have a great story of the first time Deb actually produced a word out of her brain. So it wasn’t an answer to a question or a therapy exercise. but we were sitting around a table and a bunch of people who hadn’t had strokes were saying, what’s that? No, my family. Yeah, with your brother. No, our family. Yeah. Danny and… Okay, anyway. We were talking about, what was that movie where the guy trained a pig to… do a dog show and what was the pig’s name and none of us could remember it and Deb just blurted out, babe. And it was like we started screaming and shouting because it was the first time that something that started as an original thought in her head actually got out. And that was like four months after her stroke. ⁓ A year after her stroke, it was really just isolated words. ⁓ She then did a clinical trial with something called melodic intonation, a kind of speech therapy that tries to tap into the other side of the brain, the singing side of the brain. And then I would say, you know, it’s been, mean, Deb’s speech is still getting better. So it’s just marginal improvement ⁓ over time. Bill Gasiamis (35:10)Yeah, Deb, what parts of Professor Deborah Meyerson remain and what’s entirely new now? Debra and Steve (35:19)⁓ The sharing knowledge and trading knowledge is the same. The new is how I do it. More constraints, I need help. really help and I am so bad at asking. Really bad at asking. I have really a lot of phases of classes and Ballroom classes, you know ballroom dancing. Yeah, no In the work we do Deb’s favorite thing to do is to teach so we’ve been invited, you know ⁓ Quite a few speech therapists in the United States are using identity theft as part of the curriculum in their aphasia course in the speech language pathology programs Bill Gasiamis (36:28)So speaker-2 (36:28)I’ll be. Debra and Steve (36:48)⁓ and we’ve been invited to visit and talk in classes. And Deb just loves that because it’s back to sharing knowledge. It’s a different kind of knowledge. It’s not about the work she did before her stroke, but it’s about the work and the life experience since. that is still, Professor Deb is still very much with us. Bill Gasiamis (37:14)Yeah, Professor Deb, fiercely independent, ⁓ doesn’t like to ask for help, ⁓ still prefers to kind of battle on and get things done as much as possible and suffer through the difficulty of that and then eventually ask for help. Do you kind of eventually? Debra and Steve (37:32)Yeah, yeah, you skipped the part about correcting everything her husband says. That’s not quite exactly right. Bill Gasiamis (37:40)Well, that’s part of the course there, Steve. That’s exactly how it’s meant to be. And you should be better at being more accurate with what you have to say. Debra and Steve (37:49)I thought we’d be on the same side on this one. Bill Gasiamis (37:53)Sometimes, sometimes as a host, you know, I have to pick my hero and as a husband, I truly and totally get you. Deb, you describe experiencing cycles of grief. ⁓ What does that actually look like in a day-to-day life now? And I kind of get a sense of what cycles of grief would mean, but I’d love to hear your thoughts, your version of what that means. Debra and Steve (38:22)Every day, hour every day, small ways and big ways. Like one year ago, Well, grandmothers. Can I correct you? It was 16 months ago. I’m going to get her back. Yeah. That’s what she does to me all the time. I am really happy. Make sure you explain. don’t know if they would have caught what it was that made you so happy. Grandmother. Sarah, Danny and Vivian. I know, you don’t have to tell me. Just that we became grandparents for the first time. And Deb was ecstatic. I am so happy and also really frustrated. And I don’t… crawling… no. You want me to help? I mean, you know, it’s sort of the day we got there, the day after the baby was born in New York and Deb was over the moon and the next morning… We were walking back to the hospital and Deb was just spring-loaded to the pissed off position. She was getting mad at me for everything and anything and she was clearly in an unbelievably bad mood. And when I could finally get her to say what was wrong, it was that she had been playing all night and all morning all the ways in which she couldn’t be the grandmother she wanted to be. She couldn’t hold the baby. She couldn’t change a diaper. She couldn’t, you know, spell the kids later on to give them a break by herself because she wouldn’t be able to chase no one is our grandson around. And so she had had really kind of gone into grieving about what she had lost just in the moment when she was experiencing the greatest joy in her life. And that’s an extreme example of a cycle of grief. And but it happens, as Deb was saying, it happens. every hour, maybe three times an hour where you’re doing something that’s good, but then it reminds you of how you used to do that same thing. so, you know, when we talk about and write about cycles of grief, it’s the importance of giving yourself that space to grieve because it’s human. You lost something important and it’s human to let yourself acknowledge that. But then how do you get through that and get back to the good part and not let that grief trap you? And that story from 16 months ago in New York is sort of the, that’s the poster child, but it happens in big ways and small ways every day, 10 times a day. Bill Gasiamis (42:00)Sadness is a thing that happens to people all the time and it’s about knowing how to navigate it. And I think people generally lack the tools to navigate sadness. They lack the tools to ⁓ deal with it, to know what to do with it. But I think there needs to be some kind of information put out there. Like you’re sad. Okay. So what does it mean? What can it mean? What can you do with it? How can you transform it? Is it okay to sit in it? ⁓ What have you guys learned about the need for sadness in healing? Debra and Steve (42:35)grief and sadness is so important and through the really once it’s an hour. The Importance of Sadness in Healing From my perspective, I have learned a ton about sadness because I don’t have a good relationship with sadness. In most cases, it’s a great thing. just, you know, I’m a cup is nine tenths full person all the time and I tend to see the positive and that’s often very good. But it makes it really hard for me to live with other people’s sadness without trying to solve the problem. Bill Gasiamis (43:12)Hmm. Debra and Steve (43:35)And we actually came up with a phrase because sometimes if I get positive when Deb is sad, it just pisses her off. She doesn’t want to be talked out of it. And so we now talk about that dynamic as toxic positivity because, you know, most people think of positivity as such a positive thing. And yet If someone needs to just live in sadness for a little while, positivity can be really toxic. And I think that’s been my greatest learning, maybe growth is sort of understanding that better. I still fall into the trap all the time. devil tell you there are way too many times when, you know, my attempts to cheer her up are not welcomed. but at least I’m aware of it now. ⁓ And a little less likely to go there quite as quickly. Bill Gasiamis (44:38)Hmm. What I, what I noticed when people were coming to see me is that it was about them. They would come to see me about them. It wasn’t about me and what they made them do. What made what their instinct was, was to, if I felt better, they felt better and all they wanted to do was feel better and not be uncomfortable and not be struggling in their own ⁓ mind about what it’s like. to visit Bill who’s unwell. And that was the interesting part. It’s like, no, no, I am feeling unwell. I am going to remain feeling unwell. And your problem with it is your problem with it. You need to deal with how you feel about me feeling unwell. And I appreciate the empathy, the sympathy, the care I do. But actually, when you visit me, it shouldn’t be about you. It shouldn’t be, I’m gonna go and visit Bill. and I hope he’s well because I don’t want to experience him being unwell. It should be about you’re just gonna go visit Bill however you find him, whatever state he’s in, whatever condition he’s in, and therefore ⁓ that I think creates an opportunity for growth and that person needs to consider how they need to grow to adapt to this new relationship that they have with Bill. ⁓ which is based now around Bill’s challenges, Bill’s problems, Bill’s surgery, Bill’s pos- the possibility that Bill won’t be around in a few months or whatever. Do you know what I mean? So it’s like, ⁓ all, all the, ⁓ the well-meaning part of it is well received, but then it’s about everyone has a, has to step up and experience growth in this new relationship that we have. And some people are not willing to do it and then they don’t come at all. They’re the people who I find other most interesting and maybe ⁓ the most follow their instincts better than everybody where they might go, well, I’m going to go and say, Bill, he’s all messed up. ⁓ I don’t know how I’m going to deal with that. can’t cope with that. And rather than going there and being a party pooper or not knowing what to say or saying the wrong thing, maybe I won’t go at all. And they kind of create space. Debra and Steve (46:58)So. Bill Gasiamis (47:01)for your recovery to happen without you having to experience their version of it. Debra and Steve (47:09)Yeah, that’s it. That’s really interesting to hear you talk about it that way. And I would say very generous to hear you talk about it that way, because most of the time when we’ve heard people talk about it’s that because people talk about the fact that because other people don’t know what to say, they don’t say anything or they don’t come. But that then creates an isolation that’s unwanted. You’re talking about it as a, maybe that’s a good thing. They’re giving me space, given their skill or willingness to deal with it. Whereas I think a lot of people feel that when people just disappear because they don’t know what to say, that’s a lack of caring and a lack of engagement. ⁓ interesting to hear your take on it. think there’s a close cousin to this that Deb felt very intensely is that some people in the attempt to be understanding and supportive really took on an air of pity. And that there were some people that that we had to ask not to come if they couldn’t change how they were relating to Deb because it was such a like, ⁓ you poor thing that was incredibly disempowering. Whereas there were other people who had the skill to be empathetic in a supportive way. And so, I mean, in some ways, I think we’ve learned a lot, not that we necessarily do it right all the time, but we’ve learned a lot about how to try to support other people by what has and hasn’t worked in supporting us. Bill Gasiamis (49:20)Yeah, it’s a deeply interesting conversation because people get offended when they need people the most that don’t turn up. And I, and I understand that part of it as well. And then in, in time, ⁓ I was, I was like that at the beginning, but then in time, I kind of realized that, okay, this is actually not about me. It’s about them. They’re the ones struggling with my condition. They don’t know how to be. And maybe it’s okay for them. not to be around me because I wouldn’t be able to deal with their energy anyway. ⁓ yeah. So Deb, what made you turn to advocacy? What made you decide that you’re gonna be an advocate in this space? Finding Purpose Through Advocacy Debra and Steve (50:08)⁓ Feeling purpose and meaning. Survivors? Yes. And caregivers? Yes. Really a lot of risky is really… ⁓ medical, medical. Yeah. I mean, I I, I know what Deb is trying to say, which is, you know, once she got past the life threatening part and kind of on her way and was relatively independent, she was drawn back to saying, I want to live a life that has meaning and purpose. And so how in this new state, can I do that? And Deb, as I’m sure you know by now, doesn’t think small, she thinks big. And so what she’s saying is, yes, I want to help other people, other survivors, other care partners, but really we need a better system. Like I can only help so many people by myself, but if we can actually advocate for a better healthcare system in the United States that treats stroke differently. then maybe we can make a difference for a lot of people. that’s kind of the journey we’re on now. the survivors and caregivers, advocacy is so important to California or even the state. Building the Stroke Onward Foundation Bill Gasiamis (52:05)Yeah, advocacy is very important ⁓ and I love that I Love that you become an advocate and then you find your purpose and your meaning you don’t set out to Find your purpose and your meaning and then think what should I do to find my purpose of my meaning it tends to catch Catch go around the other way. I’m gonna go and help other people and then all of a sudden it’s like, ⁓ this is really meaningful I’m enjoying doing this and raising awareness about that condition that we’ve experienced and the challenges that we are facing. And wow, why don’t we make a change on a as big a scale as possible? Why don’t we try to influence the system to take a different approach because it’s maybe missing something that we see because we’re in a different, we have a different perspective than the people who are providing the healthcare, even though they’ve got a very big kind of, you know, their purpose is to help people as well. their perspective comes from a different angle and lived experience, I think is tremendously important and ⁓ missed and it’s a big missed opportunity if ⁓ lived experience is not part of that defining of how to offer services to people experiencing or recovering a stroke or how to support people after they’ve experienced or recovering from a stroke. ⁓ I love that. So that led you guys to develop the foundation, stroke onward. it a foundation? it a, tell us a little bit about stroke onward. Debra and Steve (53:42)In US jargon, we’d call it a nonprofit. Generally, foundations are entities that have a big endowment and give money away. We wish we had a big endowment, but we don’t. We need to find people who want to support our work and make donations to our nonprofit. And yeah, we now have a small team. ⁓ Deb and I given our age, given that we’re grandparents, we were hoping not to be 24 sevens. So needed people who were good at building nonprofits who were a little earlier in their careers. And we’ve got a small team, a CEO, a program manager and a couple of part-time people ⁓ who are running a bunch of programs. We’re trying to stay focused. We’re trying to build community with stroke survivors, care partners, medical professionals. We’ve got an online community called the Stroke Onward Community Circle that we just launched earlier this year. We’re hosting events, ⁓ some in medical settings that we call Stroke Care Onward to really talk with both ⁓ a diverse group of medical professionals, as well as survivors and care partners about what’s missing in the system and how it can be improved. ⁓ And then a program that we call the Stroke Monologues, which is sort of a a TEDx for stroke survivors where survivors, care partners, medical professionals can really tell their story of the emotional journey in recovery. And we want to use all of that to sort of build a platform to drive system change. That’s kind of what we’re trying to build with Stroke Onward. Bill Gasiamis (55:32)I love that. I love that TEDx component of it. ⁓ People actually get to talk about it and put out stories and content in that way as well. Debra and Steve (55:35)Yeah. ⁓ Yeah. Denver, Pittsburgh, ⁓ Boston, and Oakland and San Francisco. We’ve now done six shows of the stroke monologues and a big part about our work in the coming year. is really trying to think about how that might scale. can we, you know, it’s a very time consuming and therefore expensive to host events all the time. So how we can work with other organizations and leverage the idea ⁓ so that more people can get on stage and tell their story. ⁓ Also how we capture those stories on video and how we can do it virtually. So that’s a big part of what the team is thinking about is, you know, how do we Cause you know, at the end of the day, we can only do as much as we can raise the money to hire the people to do. So, that, that developing a strategy that hopefully can scale and track the resources that it takes to make more impact. That’s kind of job one for 2026. Bill Gasiamis (57:05)Yeah, I love it. Lucky you haven’t got enough jobs. That’s a good job to have though, right? ⁓ So if you were sitting, if you guys were both sitting with a couple just beginning this journey, what would you want them to know? What’s the first thing that you would want them to know? Debra Meyerson – Advice for New Stroke Survivors Debra and Steve (57:12)Yeah. Don’t have a stroke. Bill Gasiamis (57:28)Profound. Debra and Steve (57:29)Yeah. Yeah. I mean, I think, you know, it’s a journey and think of it as a journey and try to get as much as much of your capabilities back as you can. But don’t think of recovery as just that. It’s a much broader journey than that. It’s rebuilding identity. It’s finding ways to adapt. to do the things you love to do, to do the things that bring you meaning and purpose and create that journey for yourself. Nobody else’s journey is gonna be the right model for yours. So give yourself the time, space, learn from others, but learn from what’s in your heart as to the life you wanna build with the cards you’ve been dealt. Bill Gasiamis (58:25)Yeah. What are some of the practices or habits that have helped you guys as a couple, as partners stay connected? Debra and Steve (58:34)⁓ It’s, it’s hard. mean, and we’ve gone through phases, ⁓ where I think, you know, in some ways early on after the stroke, we may have been as close or closer than we’ve ever been. as Deb got better ironically and wanted to do more. Bill Gasiamis (58:39)You Debra and Steve (59:01)that created a different kind of stress for us. ⁓ stress is the key. No, stress is not the beauty. I had so much stress. Yeah. And sometimes I say stress is a function of the gap between aspiration and capability and while Deb’s capabilities keep growing, I think maybe her aspirations grow faster. And the question then says, how do you fill that gap? And so I think Deb struggles with that. And then for me, a big struggle is, so how much do I change my life to support Deb in filling that gap versus the things I might want to do that I still can do? So. You know, when Deb decided to write a book, I really wasn’t willing to give up my other nonprofit career, which was very meaningful to me. And I felt like I was midstream, but we had to find other ways in addition to my help nights and weekends to get Deb help so she could write the book she wanted to write. Whereas when the book came out and we decided to create Stroke Onward, that was a different point in time. And I was sort of willing to. cut back from that career to come build something with Deb. So I think again, we hate to give advice because everybody’s journey is different, but things change and go with that change. Don’t get locked into a view of what the balance in relationship should be. Recognize that that’s gonna be a never ending process of creating and recreating and recreating a balance that works for both of us. Bill Gasiamis (1:01:04)Hmm. What’s interesting. Some of the things that I’ve gone through with my wife is that I’ve kind of understood that she can’t be all things that I needed to be for me. And I can’t be all things that she needs me to be for her. And we need to seek that things where we lack the ability to deal to provide those things for the other person. The other person needs to find a way to accomplish those tasks needs, have those needs met, whatever with in some other way. for example, my whole thing was feeling sad and I needed someone to talk me through it and my wife wasn’t skilled enough to talk me through it, well, it would be necessary for me to seek that support from somebody else, a counselor, a coach, whomever, rather than trying to get blood out of a stone, somebody who doesn’t have the capability to support me in that way. Why would I expect that person to… all of a sudden step up while they’re doing all these other things to get through the difficult time that we were going on to that we’re dealing with. So that was kind of my learning. was like, I can’t expect my wife to be everything I need from her. There’ll be other people who can do that. Who are they? And that’s why the podcast happened because I’ve been talking about this since 2012 and since 2012 and ⁓ well, yeah, that’s 2012 as well. 2012 anyhow. ⁓ I’ve been talking about it since. Debra and Steve (1:02:41)You’re both our roles. You’re saying it and then correcting yourself. Bill Gasiamis (1:02:45)Yeah. Yeah. Yeah. I have a part of me that corrects me as I go along in life. Yeah. Sometimes I don’t listen to it. ⁓ but today was a good one. The thing about it is I have a need, a deep need to talk about it all the time. That’s why I’ve done nearly 400 episodes and those 400 episodes are therapy sessions. Every time I sit down and have a conversation with somebody and I, and even though my wife has a I, ⁓ masters in psychology. I wouldn’t put her through 400 conversations about my stroke every single day or every second day. You know, it’s not fair because it’s not her role. I, ⁓ I talked to her about the things that we can discuss that are important, for the relationship and for how we go about our business as a couple. But then there’s those other things that. she can’t offer her perspective because only stroke survivors know how to do that. And I would never want her to know how to ⁓ relate to me having had a stroke and having the deficits that I have and how it feels to be in my body. I would never want her to be able to relate to me. So ⁓ it’s, that’s kind of how I see, you know, the couple dynamic has to play out. have to just honor the things that each of us can bring to the table and then go elsewhere to ⁓ have our needs met if there’s needs that are left unmet. Debra and Steve (1:04:23)Yeah. Really. Well, it’s good to know that if this is a ⁓ helpful therapy session for you, you won’t mind if we send you a bill. Yeah. Bill Gasiamis (1:04:32)Yeah. Yeah. Send it along with the book. Just put it in the front cover and then, and then I’ll make a payment. ⁓ Well guys, it’s really lovely to meet you in person and have a conversation with you. Have the opportunity to share your mission as well. Raise awareness about the book, raise awareness about stroke onward. I love your work. ⁓ And I wish you all the best with all of your endeavors, personal, professional, not for profit. And yeah, I just love the way that this is another example of how you can respond to stroke as individuals and then also as a couple. Debra and Steve (1:05:18)Yeah, thank you. Well, and we hope you’ll join our online community and that includes the opportunity to do live events. yes. And maybe there are some additional therapy sessions. Yes. On our platform and chat with people and well, all over the place. So yeah, please join us. Bill Gasiamis (1:05:43)That sounds like a plan. Well, that’s a wrap on my conversation with Deborah and Steve. If Deborah’s slow fall off a cliff description resonated with you, leave a comment and tell me what part of your recovery has been the hardest to explain to other people. And if you’re a care partner, I’d love to hear what you needed most early on. You’ll find the links to Deborah and Steve’s work, their book, identity theft and their nonprofit stroke onward in the show notes. And if you’d like to go deeper with me, grab my book, The Unexpected Way That a Stroke Became the Best Thing That Happened via recoveryafterstroke.com/book. Also, you can support the podcast on Patreon by going to patreon.com/recoveryafterstroke. Thank you for being here. And remember, you’re not alone in this journey. Importantly, we present many podcasts designed to give you an insight and understanding into the experiences of other individuals. Opinions and treatment protocols discussed during any podcast are the individual’s own experience, and we do not necessarily share the same opinion, nor do we recommend any treatment protocol discussed. All content on this website and any linked blog, podcast or video material controlled this website or content is created and produced for informational purposes only and is largely based on the personal experience of Bill Gassiamus. Content is intended to complement your medical treatment and support healing. It is not intended to be a substitute for professional medical advice and should not be relied on as health advice. The information is general and may not be suitable for your personal injuries, circumstances or health objectives. Do not use our content as a standalone resource to diagnose, treat, cure or prevent any disease for therapeutic purposes or as a substitute for the advice of a health professional. Never delay seeking advice or disregard the advice of a medical professional, your doctor or your rehabilitator. program based on our content. you have any questions or concerns about your health or medical condition, please seek guidance from a doctor or other medical professional. If you are experiencing a health emergency or think you might be, call 000 if in Australia or your local emergency number immediately for emergency assistance or go to the nearest hospital emergency department. Medical information changes constantly. While we aim to provide current quality information in our content, we do not provide any guarantees and assume no legal liability or responsibility for the accuracy, currency or completeness of the content. If you choose to rely on any information within our content, you do so solely at your own risk. We are careful with links we provide. However, third party links from our website are followed at your own risk and we are not responsible for any information you find there.   The post Debra Meyerson and the “Slow Fall Off a Cliff”: Aphasia After Stroke, Identity, and What Recovery Really Means appeared first on Recovery After Stroke.

Many residential real estate appraisers remain deeply loyal to the GSE and AMC appraisal system—even as fees decline, turn times shrink, and professional judgment is increasingly replaced by checklists, models, and automation. This podcast explores why that loyalty exists and why it is so hard to let go. The answer is not ignorance or laziness. Most appraisers are rational professionals responding to incentives, habits, and identities built over decades. The GSE system provides structure, predictability, and clear rules. It tells appraisers what “good work” looks like and absorbs much of the responsibility when things go wrong. That feels safe. But that safety is an illusion. Over time, the same system that promises protection also treats appraisers as interchangeable parts, compresses fees, rewards speed over judgment, and steadily removes professional autonomy. Appraisers stay not because the system loves them back—but because leaving feels risky. Behavioral economics calls this loss aversion. Psychology calls it identity attachment. Most appraisers simply call it survival. This piece also examines why private appraisal work—such as expert witness assignments, litigation support, and consulting—feels intimidating. In private work, the appraiser is the form. Reasoning replaces checklists. Judgment replaces automation. That level of visibility requires confidence, education, and intellectual courage rarely taught in production environments. Ultimately, this podcast does not shame appraisers or demand change. Instead, it offers illumination. It invites appraisers to reflect honestly on who controls their work, their time, and their professional future. The lantern is lit. The choice, as always, belongs to the appraiser.

Send us a textA single email from an airplane window changed everything. We sit down with David Dick of Wilcox GSE to unpack how a Canadian truck body manufacturer spotted an opening in aviation, listened closely to operators, and built a fast-growing line of non-powered equipment and purpose-built trucks that stand up to ramp reality.David walks us through the early days—cleaning shop floors, studying criminology, running production—and the moment he realized a baggage cart is, at its core, a box they already knew how to build exceptionally well. From there, the brand evolved from Wilcox Bodies to Wilcox GSE, sharpening focus on dollies, baggage carts, maintenance stands, and bobtails. We dig into chassis choices (Ford and Ram), why a 550 variant is coming, and how they approached complex steps like shortening frames and balancing loads. Along the way, he shares how a rubber isolator and smarter modularity cut axle replacement from eight hours to 20 minutes, a practical win for maintenance teams under pressure.We also get candid about supply chains and strategy. While many pulled back during COVID, Wilcox stocked inventory and posted it online, meeting urgent demand when others couldn't. That move introduced them to airlines and ground handlers across the U.S., while partnerships expanded service coverage to keep downtime low. And yes, we talk about marketing: David's unedited LinkedIn walkarounds became a signature—proof that clear demos and honest talk beat polish. The conversation winds through first-time hangar awe, bringing family airside, and the community feel of GHI golf, reminding us why quality gear and dependable support keep operations—and people—moving.If you care about stronger dollies, smarter carts, and bobtails built for real work, this one's for you. Listen now, subscribe for more ground support stories and strategies, and leave a quick review to help fellow GSE pros find the show.Looking for dependable and on demand ground support equipment leasing? Fortbrand is your go to partner. We specialize in tailored operating leases for airlines, cargo carriers, and ground handlers, delivering top tier equipment without the wait. From the latest electric GSE to traditional units, Fortbrand offers flexible terms, competitive rates, and a customer experience that is second to none. Keep your ramp moving with confidence. Visit fortbrand.com and experience GSE leasing redefined.

Grading your dynasty fantasy football trades from last week—did you win or lose?  

Grading your dynasty fantasy football trades from last week—did you win or lose?  

Send us a textWhat happens when a family-owned GSE manufacturer pairs engineering pride with a clear purpose? We head to Noonan, Georgia to talk with Malahan about a journey that started with A0 drawings and a dream, grew into two factories serving 40+ countries a year, and now fuels a 200-plus golfer charity tournament—the Shamrock Classic—raising funds for mental health and suicide prevention.We swap stories about the founder's late-night sketches and the long-tenured team who still carry his spirit onto the shop floor. Then we pull back the curtain on how the company scaled without losing its people-first culture: an internal app that shows where machines ship, highlights visitors, and invites families to events; a North American facility that keeps service close and relationships closer; and a product portfolio that spans de-icers, belt loaders, PRM lifts, high lifts, catering trucks, and more.From there, we step onto the tee box. The Shamrock Classic brings airlines, ground handlers, OEMs, leasing partners, and even competitors to White Oak for a shotgun start across two courses. It's open, welcoming, and transparent about impact. The American Foundation for Suicide Prevention joins three local Noonan partners, all collaborating to direct funds where they're needed most. Between the welcome night's axe throwing and simulator swings, the drone footage, and, yes, the famous chicken biscuits, the day stays light while the cause stays front and center.Curious how to play, sponsor, or volunteer next year? Reach out via the Shamrock Classic email and follow Malahan on LinkedIn for save-the-dates. If today's conversation moves you, subscribe, share the show with a colleague, and leave a quick review—your support helps more industry pros find stories that connect craft, community, and real-world change.Looking for dependable and on demand ground support equipment leasing? Fortbrand is your go to partner. We specialize in tailored operating leases for airlines, cargo carriers, and ground handlers, delivering top tier equipment without the wait. From the latest electric GSE to traditional units, Fortbrand offers flexible terms, competitive rates, and a customer experience that is second to none. Keep your ramp moving with confidence. Visit fortbrand.com and experience GSE leasing redefined.

Grading your dynasty fantasy football trades from last week—did you win or lose?  

Multifamily Market Trends in 2025In this episode of The Gray Report, Spencer Gray and Griffin Haddad break down what's really happening in today's multifamily market cutting through the noise, uncertainty, and constant narrative swings. From rent growth cooling to shifting cap rates, new development patterns, demand resilience, and the impact of AI and employment trends, this episode equips investors with data-driven insights for 2025 and beyond.    They also cover highlights from Gray Capital's new 2026 Midwest Multifamily Forecast Report, examining supply-demand dynamics, market fundamentals, and why Midwest metros like Columbus are positioned to outperform. Other topics include dynamic pricing, the RealPage settlement, GSE lending caps, maturity waves, and long-term fundamentals across the sector.Whether you're an active investor, passive investor, or industry professional, this episode provides a deeper understanding of where multifamily is heading—and what it means for your strategy. Download the 2026 Midwest Multifamily Forecast Report:Get the full report now and stay ahead of 2026's biggest multifamily opportunities.https://www.graycapitalllc.com/2026-multifamily-forecast/  

Oggi proviamo a capire che cosa è successo davvero con il taglio improvviso ai fondi per le Comunità Energetiche: perché il governo ha ridotto di oltre la metà il budget, che ruolo ha giocato il GSE e cosa rischiano ora i progetti già avviati. In chiusura uno sguardo al mondo: Trump che “chiude” lo spazio aereo sopra il Venezuela, l'Ucraina che colpisce per la prima volta le petroliere della shadow fleet russa e Netanyahu che chiede la grazia mentre in Cisgiordania vengono aggrediti quattro attivisti, tra cui tre italiani.INDICE:00:00:00 - Sommario00:00:56 - Il pasticcio del governo sulle comunità energetiche00:22:53 - Altre notizie veloci dal mondoFonti: https://www.italiachecambia.org/podcast/governo-comunita-energetiche/Iscriviti alla newsletter: https://bit.ly/3ZcEwVuoi sostenere Io Non Mi Rassegno? Abbonati a Italia che Cambia.

Send us a textWe sit down with ASAK's CEO, Arnold Sue, to trace his path from JFK ramp hand to leading a full-service ground handler, and explore how electric GSE, telematics, and a community-first mindset are shaping Terminal 6. From equine cargo engineering to towbarless electric pushbacks, we focus on uptime, safety, and people.• JFK roots, military discipline, and founding ASAK• Building maintenance capability on and off airport• Terminal 7 operations across above and below the wing• Cargo, e-commerce, and on-airport fumigation• How equine operations use K loaders and ULD logic• Why electric GSE and conversion kits made sense• Telematics for safety, battery status, and utilization• Recruiting and growing next-gen technicians• Terminal 6 GSE pooling, access control, and prep• Community over competition across ground handlers• Expansion beyond JFK to Latin America and beyondIf this episode resonated with you, please share it with your colleagues and peers in the ground support equipment communityWe'd appreciate it if you could take a moment to rate and review our podcastLooking for dependable and on demand ground support equipment leasing? Fortbrand is your go to partner. We specialize in tailored operating leases for airlines, cargo carriers, and ground handlers, delivering top tier equipment without the wait. From the latest electric GSE to traditional units, Fortbrand offers flexible terms, competitive rates, and a customer experience that is second to none. Keep your ramp moving with confidence. Visit fortbrand.com and experience GSE leasing redefined.

Grading your dynasty fantasy football trades from last week—did you win or lose?  

In a recent interview with Ground Support Worldwide, WiTricity CEO Joe Benz discussed how wireless charging technology is emerging as a practical solution for the growing number of electric vehicles used in aviation and ground operations. Built on years of research into magnetic resonance-based power transfer, WiTricity's system allows equipment to charge automatically by parking over a pad, removing the need for cables, connectors or manual plugging. Benz highlighted the appeal of wireless charging for busy airport environments, where reliability, safety and ease of use are essential. He noted that the technology is designed to handle harsh operating conditions and can help reduce common issues associated with wired systems, such as damaged cables or vehicles left uncharged. Looking ahead, Benz expects wireless charging to play a larger role as more fleets transition to electric power and as vehicle manufacturers increasingly support the technology. He emphasized that the shift toward automation and electrification across the industry makes hands-free charging a natural fit for future GSE and airport operations.

HousingWire CEO Clayton Collins brings together an unprecedented trio — Joel Rickman (Equifax), Michele Bodda (Experian), and Satyan Merchant (TransUnion) — for a first-of-its-kind conversation on how data is redefining the mortgage process. The three leaders also unpack key topics dominating the MBA Annual 25 conference floor — from the tri-merge debate and the cost of credit reports to regulatory shifts, innovation in alternative data, and the rise of VantageScore.More from this episode:Why is data so important in today's mortgage ecosystem?Data drives nearly every step of the mortgage process — from pre-qualification to underwriting. As Joel Rickman explains, “more data is better for the consumer,” because richer data helps more people qualify for home loans while maintaining safety and soundness in the system.How are the credit bureaus competing and collaborating?While they compete fiercely for business, the three bureaus share a united goal of financial inclusion. Each is innovating through differentiated data sources like rental payments, utilities, telecom data, and cash-flow insights — all designed to represent consumers more fairly.What new data types are shaping credit files?The credit file has never been more diverse.Buy Now, Pay Later (BNPL) accountsRental and utility paymentsShort-term lending dataCash-flow management attributesThese data sets help lenders build more accurate profiles of consumers who were previously underserved or “credit invisible.”What role does regulation play in driving innovation?The panelists agree that regulation and innovation can coexist. The FHFA's adoption of modern scores like VantageScore 4.0 is one example of policy enabling progress — allowing new models that use broader data to enter the market.What is the bi-merge debate, and why does it matter?The bi-merge proposal — using two credit reports instead of three — is a hot topic at MBA Annual 2025.The bureaus argue that reducing data increases risk and could harm consumers by creating gaps in credit history, leading to higher pricing or denied loans.How are the bureaus improving consumer education?Each company invests in tools and partnerships that help consumers understand and improve their credit:Equifax: education through lender partnershipsExperian: initiatives like Boost and HomeFree USA to reach underrepresented communitiesTransUnion: free credit monitoring and app-based education to help consumers take control of their credit healthWhat innovations are leading the way in credit reporting?Equifax is leveraging The Work Number and NCTUE data to bring employment and telecom insights into credit decisions.Experian is pioneering cash-flow scoring and consumer-permissioned data.TransUnion is expanding rental trade lines and short-term lending insights to include more first-time buyers.How should lenders prepare for VantageScore adoption in 2026?All three bureaus encourage lenders to start testing VantageScore now. They're offering early access to evaluate how it performs in underwriting and portfolio management before GSE guidelines take effect. 

Airside International magazine offers a comprehensive view of the contemporary European and global aviation ground support equipment (GSE) and ground handling sectors. The content discusses the recovery and subsequent challenges facing European aviation, including sustainability mandates, infrastructure deficits, and competitive pressures. A major theme is the industry's focus on electrification and sustainability, detailing how manufacturers like Timsan and ground handlers like Air Rail and Aviapartner are adopting electric and solar-powered GSE and grappling with evolving regulations from bodies like ICAO and EASA. Additionally, the sources examine the crucial role of advanced communication and technology, such as wireless intercom systems from Globalsys and anti-collision features on catering trucks, to enhance safety and efficiency in ramp operations, while also touching upon the industry's struggle to attract and retain the next generation of talent.

Grading your dynasty fantasy football trades from last week—did you win or lose?  

Send us a textIn this episode of the GSE Podcast, host Matthew Weitzel sits down with Steve Thody (CEO, JFK Millennium Partners) and Jared Verano (CEO, Fortbrand Services) to explore the groundbreaking pooled ground support equipment (GSE) program at the new Terminal 6 at JFK International Airport.Key Topics:JFK Millennium Partners' leadership in the $19 billion redevelopment of Terminal 6, with major partners like Vantage Group, American Triple I, RXR Realty, and JetBlue.Introduction of the first large-scale pooled GSE operation in North America—leveraging technology, electrification, and collaboration to transform ramp and maintenance operations.Insights into the pooling concept: shared, high-efficiency, predominantly electric equipment managed through advanced telematics and supported by a carefully designed infrastructure.Collaborative, airline-driven selection process for vendors and ground handlers (Dnata, ASAK, WFS, Airway Cleaners) to promote buy-in and operational excellence.Discussion of operational risks and solutions, including charging infrastructure, backup power, safety, preventative maintenance, and robust training/certification programs for ground handlers.Vision for sustainability and customer experience, with digital signage and transparent operations.Plans to track progress and success by safety, efficiency, and industry impact—establishing JFK's Terminal 6 as a model for airports globally.Notable Quotes:“The emphasis is going to be on us to make sure we provide the equipment, get the correct training, and maintain robust certification for ground handlers.” — Steve Thody“This is the first time we're seeing a trifecta of partnership—airport, airlines, and operators—pushing for innovation together.” — Jared VeranoListen in to hear how JFK's Terminal 6 is setting new industry standards for safety, sustainability, and efficiency in ground operations.Looking for dependable and on demand ground support equipment leasing? Fortbrand is your go to partner. We specialize in tailored operating leases for airlines, cargo carriers, and ground handlers, delivering top tier equipment without the wait. From the latest electric GSE to traditional units, Fortbrand offers flexible terms, competitive rates, and a customer experience that is second to none. Keep your ramp moving with confidence. Visit fortbrand.com and experience GSE leasing redefined.

Il consueto appuntamento con le novità della settimana per imprese e professionisti. 

Nuova mossa di Ovs nel retail. Il gruppo ha annunciato di aver presentato un'offerta vincolante per acquisire il 100% di Kasanova Spa, tramite la sottoscrizione di un aumento di capitale fino a 15 milioni di euro. L'operazione rafforza la presenza di Ovs nel segmento casa, dove è già attiva con il marchio Croff attraverso la catena Upim. Con una capitalizzazione superiore al miliardo di euro e un total return del 53% negli ultimi dodici mesi, la mossa di Ovs è considerata strategica ma ponderata, con l'obiettivo di consolidare la posizione nel mercato dell'arredamento e della casa. Facciamo il punto con Stefano Beraldo, a.d. OVS.Transizione 5.0: nata male, finita peggioIl Piano Transizione 5.0, avviato nel 2023 con una dotazione di 6,3 miliardi di euro dal Pnrr per sostenere gli investimenti 2024-2025, ha registrato un utilizzo delle risorse inferiore alle attese, spingendo il Governo a ridurre i fondi disponibili a circa 2,9 miliardi e a destinare i residui ad altri interventi. Nelle ultime settimane il Mimit ha comunicato il raggiungimento del plafond operativo di 2,5 miliardi, con oltre 13.000 progetti caricati sulla piattaforma del Gse. Nonostante l'annuncio dell'esaurimento delle risorse, le imprese continuano a presentare nuovi progetti fino al 31 dicembre, mentre il ministero lavora per reperire fondi aggiuntivi. Dal 1° gennaio sarà operativo un nuovo Piano Transizione 5.0 con ulteriori 4 miliardi di euro e piena continuità con la misura attuale. Il ministro Urso ha invitato le imprese a non dare credito alle "fake news" sulla chiusura della piattaforma e ha definito la misura uno strumento popolare di grande successo tra le Pmi. Interviene Carmine Fotina, Il Sole 24 Ore.Italiani con la valigia, in vent'anni 1,64 milioni di espatriIn vent'anni l'Italia ha contato 1,64 milioni di espatriati contro 826 mila rimpatri, con un saldo negativo di oltre 817 mila persone. Al 1° gennaio gli iscritti all'Aire sono 6,4 milioni, pari al 12% della popolazione residente. Il Rapporto Italiani nel mondo 2025 della Fondazione Migrantes, presentato a Roma, mostra come a partire siano soprattutto i giovani tra 18 e 34 anni e le famiglie che cercano all'estero migliori opportunità. L'indagine descrive un'Italia ancora Paese di emigrazione, segnata da squilibri territoriali e strutturali che spingono molti cittadini a lasciare le proprie province. Le donne rappresentano ormai quasi la metà degli italiani all'estero e la loro presenza cresce più rapidamente rispetto agli uomini. La mobilità è diretta soprattutto verso l'Europa e le comunità più numerose restano quelle in Argentina e Germania. Sicilia, Lombardia e Veneto guidano la classifica delle regioni con il maggior numero di residenti all'estero. Ne parliamo con Delfina Licata, Ricercatrice di Fondazione Migrantes e curatrice del rapporto.

Today, hosts Hal Humphreys and Jim Morrison sit down with Matt Johnson of SFREP, one of the first software companies verified by the GSE's for UAD 3.6, to talk about what UAD 3.6 means from the software side of things: how software companies are preparing, what roadblocks they've hit, and why now might be the perfect time for appraisers to reevaluate their tools and workflows.At The Appraisal Buzzcast, we host weekly episodes with leaders and experts in the appraisal industry about current events and relevant topics in our field. Subscribe and turn on notifications to catch our episode premieres every Wednesday! You can find the video version of this podcast at http://www.youtube.com/@TheAppraisalBuzzcast or head to https://appraisalbuzz.com for our breaking news and written articles.

Big news in UAD 3.6 land! Just a month after his last appearance on the show, we invited back Jake Lew, CEO of AIVRE, to give us an update so major we couldn't wait to share. Jake digs into what it means to be the first software provider approved for UAD 3.6 by the GSEs, the pressure that comes with blazing the trail, and how appraisers should prepare as the new format rolls out. If you want the inside scoop on what's changing (and what's coming next), listen in.See the full press release here: https://appraisalbuzz.com/aivre-first-appraisal-software-approved-by-gses-for-uad-3-6/At The Appraisal Buzzcast, we host weekly episodes with leaders and experts in the appraisal industry about current events and relevant topics in our field. Subscribe and turn on notifications to catch our episode premieres every Wednesday! You can find the video version of this podcast at http://www.youtube.com/@TheAppraisalBuzzcast or head to https://appraisalbuzz.com for our breaking news and written articles.

Season 4, Episode 7: Jack Stone and Alex Gornik sit down with Sharon Wilson Géno, President of the National Multifamily Housing Council (NMHC), the leading voice for America's apartment industry in Washington. She explains how NMHC is tackling today's biggest issues—affordability, regulation, and capital—while separating signal from noise on rent control, tax policy, and the GSE debate. Expect practical policy ideas cities are using now (single-stair, fast-track permitting, Florida's “Live Local”), why Section 8 modernization matters, and what's really driving insurance and operating costs. TOPICS 00:00 – Introduction 01:12 – Career arc and why housing policy became the mission 06:03 – What NMHC does and who it represents 08:14 – NMHC–NAA partnership and three-level advocacy (federal/state/local) 11:01 – Public perception, renters, and reframing the “American Dream” 21:04 – Tax policy: carried interest context and a doubled LIHTC 26:26 – Rent control myths and the Housing Solutions Coalition playbook 33:06 – Real solutions: zoning fixes, single-stair, permitting, Live Local 49:42 – GSE privatization chatter: constraints and market timing 55:56 – Insurance, taxes, labor and the tech/industrialized construction edge Shoutout to our sponsor, Lev. The AI-powered way to get real estate deals financed. For more episodes of No Cap by CRE Daily visit https://www.credaily.com/podcast/ Watch this episode on YouTube: https://www.youtube.com/@NoCapCREDaily About No Cap Podcast Commercial real estate is a $20 trillion industry and a force that shapes America's economic fabric and culture. No Cap by CRE Daily is the commercial real estate podcast that gives you an unfiltered ”No Cap” look into the industry's biggest trends and the money game behind them. Each week co-hosts Jack Stone and Alex Gornik break down the latest headlines with some of the most influential and entertaining figures in commercial real estate. About CRE Daily  CRE Daily is a digital media company covering the business of commercial real estate. Our mission is to empower professionals with the knowledge they need to make smarter decisions and do more business. We do this through our flagship newsletter (CRE Daily) which is read by 65,000+ investors, developers, brokers, and business leaders across the country. Our smart brevity format combined with need-to-know trends has made us one of the fastest growing media brands in commercial real estate.

On today's episode, Editor in Chief Sarah Wheeler talks with Bob Broeksmit, president and CEO of the Mortgage Bankers Association, about the latest news on credit scores and what a GSE release might look like. To learn more about Trust & Will, click ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Related to this episode: MBA forecasts $2.2T mortgage origination in 2026 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠More info about HousingWire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Enjoy the episode! The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate stories. Hosted and produced by the HousingWire Content Studio. Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textWe trace the real state of GSE electrification with Allen Energy, from lead acid to lithium, gate power hacks to mobile carts, and the path toward high voltage and autonomy. Practical fixes, safety truths, and a universal identifier that finally tames mixed chargers anchor a grounded, useful talk.• Allen Energy's origin and shift from material handling to GSE • Lead acid dominance today and lithium's rising share • NMC, LFP, and NCA roles with embedded safety and heating • ACT dual‑port chargers, ActView telemetry, and firmware support • Gate charging realities and 400 Hz compatibility • The mobile Juice Box cart bringing power to equipment • Telematics for remote diagnostics and faster uptime • Cold weather charging rules and heater management • Lead‑to‑lithium retrofits, controller parameters, and CAN signals • High voltage timeline, EV alignment, and standardization needs • Universal “Todd Box” identifier for cross‑brand charging • Autonomy readiness with wireless charging and safety considerationsIf this episode resonated with you please share it with your colleagues and peers in the ground support equipment community your support is invaluable to us We'd appreciate if you could take a moment to rate and review our podcastLooking for dependable and on demand ground support equipment leasing? Fortbrand is your go to partner. We specialize in tailored operating leases for airlines, cargo carriers, and ground handlers, delivering top tier equipment without the wait. From the latest electric GSE to traditional units, Fortbrand offers flexible terms, competitive rates, and a customer experience that is second to none. Keep your ramp moving with confidence. Visit fortbrand.com and experience GSE leasing redefined.

Welcome back to our weekend Cabral HouseCall shows!   This is where we answer our community's wellness, weight loss, and anti-aging questions to help people get back on track!   Check out today's questions:    BM: Hi Dr Cabral! I'm 40y.o. m. Big5 Dec24:1)IgG High-0, Moderate-3(wheat, eggs, chili p.), Low-21, yeast-normal, candida alb-moderate;2)Omega3-11%;3)M&M: elevated mercury, aluminum;4)OAT: candida overgrowth. Jan-Jul2025: 7day detox>CBO protocol>CBO finisher 2 months. Followed sensitive gut guide. Didn't do heavy metals detox, intestinal cleanse. Aug25 IgG (EquiLife (EL)): high12; moderate 38, low 42, yeast-moderate, candida alb-moderate. Working with EL coach. EL coach, your podcasts suggest this is leaky gut. EL wellness plan (Aug25): 7d detox>para protocol, clean gut prob., Healthy gut support, GSE drops>heavy metals detox. Eliminate: all in high+gluten, yeast (have not started yet). Am I on the right path and have you seen such cases in your practice? what is likely root cause? Thank you.                                                  Lisa: Can you recommend what to do or take if I experience abdominal pain or discomfort while vacationing in Europe later this fall? I'm concerned that access to the “right” foods might be tough while on the cruise and touring. Currently I'm in the last month of my CBO protocol and have also completed the 14 day detox and 7 day intestinal cleanse . All will be completed before I leave for Europe. Thank you, Lisa         Susy: Hi dr Cabral, my minerals and metals test showed that my zinc is optimal and copper is very low even after supplementing with zinc and copper and the DNS for 3 months. But I've noticed that copper is usually not recommended on its own by an IHP. However I've heard some practitioners say that zinc can inhibit proper copper absorption or at least take longer to get optimal levels of copper if taken with zinc. What are your thoughts on that? Or is it possible to get to much zinc if I keep taking it together?                                                                                                                                               Bettina: Hi Dr. Cabral, My husband recently purchased a testosterone supplement he came across—probably via Instagram—and I wanted to ask your opinion on the ingredients. Magnesium oxide Ginseng extract (Panax ginseng) Muira puama extract (Ptychopetalum olacoides) Fenugreek extract (Trigonella foenum-graecum L.) Fillers (microcrystalline cellulose) Zinc citrate Anti-caking agents (cross-linked sodium carboxymethylcellulose, magnesium salts of fatty acids) Stabilizer (hydroxypropylmethylcellulose) Cholecalciferol (Vitamin D3) Pyridoxine hydrochloride (Vitamin B6) Black pepper extract (Piper nigrum) Coating agents (hydroxypropylmethylcellulose, polyethylene glycol) Coloring agent (calcium carbonate) Do you think this combination is safe and potentially effective? Thanks for your help on this :-)                Svetlana: Hello Dr.Cabral, after reading your book and listening to your podcasts I've made many positive changes to my lifestyle, one of them is taking the DNS for breakfast. I'm losing weight now (desired), but it takes me very long to finish the shake and I'm wondering if that's not a good thing in the long run since it keeps my insulin levels up without a break to my digestive system until lunch. It makes me feel very full, sometimes can't finish it until noon when I start it about 8:30am. At lunch time I'm still full and end up skipping lunch and eating supper at 5, no food after 7pm. I only put about 13oz of coconut water (or coconut milk mixed with water), 1 tbsp chia seeds, small handful of aronia berries and about 1/4 cup cauliflower in it. I used to eat 3 large meals and many snacks before       Thank you for tuning into today's Cabral HouseCall and be sure to check back tomorrow where we answer more of our community's questions!    - - - Show Notes and Resources: StephenCabral.com/3536 - - - Get a FREE Copy of Dr. Cabral's Book: The Rain Barrel Effect - - - Join the Community & Get Your Questions Answered: CabralSupportGroup.com - - - Dr. Cabral's Most Popular At-Home Lab Tests: > Complete Minerals & Metals Test (Test for mineral imbalances & heavy metal toxicity) - - - > Complete Candida, Metabolic & Vitamins Test (Test for 75 biomarkers including yeast & bacterial gut overgrowth, as well as vitamin levels) - - - > Complete Stress, Mood & Metabolism Test (Discover your complete thyroid, adrenal, hormone, vitamin D & insulin levels) - - - > Complete Food Sensitivity Test (Find out your hidden food sensitivities) - - - > Complete Omega-3 & Inflammation Test (Discover your levels of inflammation related to your omega-6 to omega-3 levels) - - - Get Your Question Answered On An Upcoming HouseCall: StephenCabral.com/askcabral - - - Would You Take 30 Seconds To Rate & Review The Cabral Concept? The best way to help me spread our mission of true natural health is to pass on the good word, and I read and appreciate every review!  

On today's episode, Editor in Chief Sarah Wheeler talks with Pete Mills, senior vice president of residential policy at the Mortgage Bankers Association, about GSE reform, legislative priorities and the impact of the government shutdown on housing. To learn more about Trust & Will, click ⁠⁠⁠⁠⁠⁠here.⁠⁠⁠⁠⁠⁠ Related to this episode: MBA Annual Registration Is it possible for the GSEs to exit conservatorship without market disruption? | HousingWire ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠More info about HousingWire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Enjoy the episode! The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate stories. Hosted and produced by the HousingWire Content Studio. Learn more about your ad choices. Visit megaphone.fm/adchoices

Don Layton, Senior Visiting Fellow at the NYU Furman Center, joins host Patrick Dolan to discuss GSE reform. Don shares his insight on the evolving landscape of GSEs and the path toward reform, including governance structures, shareholder rights and the viability of their business model. Additionally, we discuss what it may look like for GSEs as they move to exit conservatorship, the realities around launching an IPO and the ongoing oversight of federal regulation.

Our Co-Head of Securitized Products Research James Egan joins our Chief Economic Strategist Ellen Zentner to discuss the recent challenges facing the U.S. housing market, and the path forward for home buyers and investors. Read more insights from Morgan Stanley.----- Transcript ----- James Egan: Welcome to Thoughts on the Market. I'm James Egan, U.S. Housing Strategist and Co-Head of Securitized Products Research for Morgan Stanley. Ellen Zentner: And I'm Ellen Zentner, Chief Economic Strategist and Global Head of Thematic and Macro Investing at Morgan Stanley Wealth Management. James Egan: And today we dive into a topic that touches nearly every American household, quite literally. The future of the U.S. housing market. It's Thursday, September 25th at 10am in New York. So, Ellen, this conversation couldn't be timelier. Last week, the Fed cut interest rates by 25 basis points, and our chief U.S. Economist, Mike Gapen expects three more consecutive 25 basis point cuts through January of next year. And that's going to be followed by two more 25 basis point cuts in April and July. But mortgage rates, they're not tied to fed funds. So even if we do get 6.25 bps cuts by the end of 2026, that in and of itself we don't think is going to be sufficient to bring down mortgage rates, though other factors could get us there.Taking all that into account, the U.S. housing market appears to be a little stuck. The big question on investors' minds is – what's next for housing and what does that mean for the broader economy? Ellen Zentner: Well, I don't like the word stuck. There's no churn in the housing market. We want to see things moving and shaking. We want to see sellers out there. We want to see buyers out there. And we've got a lot of buyers – or would be buyers, right? But not a lot of sellers. And, you know, the economy does well when things are moving and shaking because there's a lot of home related spending that goes on when we're selling and buying homes. And so that helps boost consumer spending. Housing is also a really interest rate sensitive sector, so you know, I like to say as goes housing, so goes the business cycle. And so, you don't want to think that housing is sort of on the downhill slide or heading toward a downturn [be]cause it would mean that the entire economy is headed toward a downturn. So, we want to see housing improve here. We want to see it thaw out. I don't like, again, the word stuck, you know. I want to see some more churn. James Egan: As do we, and one of the reasons that I wanted to talk to you today is that you are observing all of these pressures on the U.S. housing market from your perspective in wealth management. And that means your job is to advise retail clients who sometimes can have a longer investment time horizon. So, Ellen, when you look at the next decade, how do you estimate the need for new housing units in the United States and what happens if we fall short of these estimated targets? Ellen Zentner: Yeah, so we always like to say demographics makes the world go round and especially it makes the housing market go round. And we know that if you just look at demographic drivers in the U.S. Of those young millennials and Gen Z that are aging into their first time home buying years – whether they're able to immediately or at some point purchase a home – they will want to buy homes. And if they can't afford the homes, then they will want to maybe rent those single-family homes. But either way, if you're just looking at the sheer need for housing in any way, shape, or form that it comes, we're going to need about 18 million units to meet all of that demand through 2030. And so, when I'm talking with our clients on the wealth management side, it's – Okay, short term here or over the next couple of years, there is a housing cycle. And affordability is creating pressures there. But if we look out beyond that, there are opportunities because of the demographic drivers – single family rentals, multi-family. We think modular housing can be something big here, as well. All of those solutions that can help everyone get into a home that wants to be. James Egan: Now, you hit on something there that I think is really important, kind of the implications of affordability challenges. One of the things that we've been seeing is it's been driving a shift toward rentership over ownership. How does that specific trend affect economic multipliers and long-term wealth creation? Ellen Zentner: In terms of whether you're going to buy a single-family home or you're going to rent a single-family home, it tends to be more square footage and there's more spending that goes on with it. But, of course, then relatively speaking, if you're buying that single family home versus renting, you're also going to probably spend a lot more time and care on that home while you're there, which means more money into the economy. In terms of wealth creation, we'd love to get the single-family home ownership rate as high as possible. It's the key way that households build intergenerational wealth. And the average American, or the average household has four times the wealth in their home than they do in the stock market. And so that's why it's very important that we've always created wealth that way through housing; and we want people to own, and they want to own. And that's good news. James Egan: These affordability challenges. Another thing that you've been highlighting is that they've led to an internal migration trend. People moving from high cost to lower cost metro areas. How is this playing out and what are the economic consequences of this migration? Ellen Zentner: Well, I think, first of all, I think to the wonderful work that Mark Schmidt does on the Munis team at MS and Co. It matters a great deal, ownership rates in various regions because it can tell you something about the health of the metropolitan area where they are. Buying those homes and paying those property taxes. It can create imbalances across the U.S. where you've got excess supply maybe in some areas, but very tight housing supply in others. And eventually to balance that out, you might even have some people that, say, post-COVID or during COVID moved to some parts of the country that have now become very expensive. And so, they leave those places and then go back to either try another locale or back to the locale they had moved from. So, understanding those flows within the U.S. can help communities understand the needs of their community, the costs associated with filling those needs, and also associated revenues that might be coming in. So, Jim, I mentioned a couple of times here about single family renting, and so from your perch, given that growing number of single-family rentals, how is that going to influence housing strategy and pricing? James Egan: It is certainly another piece of the puzzle when we look at like single family home ownership, multi-unit rentership, multi-unit home ownership, and then single family rentership. Over the past 15 years, this has been the fastest growing way in which kind of U.S. households exist. And when we take a step back looking at the housing market more holistically – something you hit on earlier – supply has been low, and that's played a key role in keeping prices high and affordability under pressure. On top of that, credit availability has been constrained. It's one of the pillars that we use when evaluating home prices and housing activity that we do think gets overlooked. And so even if you can find a home to buy in these tight inventory environments, it's pretty difficult to qualify for a mortgage. Those lending standards have been tight, that's pushed the home ownership rate down to 65 percent. Now, it was a little bit lower than this, after the Great Financial Crisis, but prior to that point, this is the lowest that home ownership rates have been since 1995. And so, we do think that single family rentership, it becomes another outlet and will continue to be an important pillar for the U.S. housing market on a go forward basis. So, the economic implications of that, that you highlighted earlier, we think that's going to continue to be something that we're living with – pun only half intended – in the U.S. housing market. Ellen Zentner: Only half intended. But let me take you back to something that you said at the beginning of the podcast. And you talked about Gapen's expectation for rate cuts and that that's going to bring fed funds rate down. Those are interest rates, though that don't impact mortgage rates. So how do mortgage rates price? And then, how do you see those persistently higher mortgage rates continuing to weigh on affordability. Or, I guess, really, what we all want to know is – when are mortgage rates going to get to a point where housing does become affordable again? James Egan: In our prior podcast, my Co-Head of Securitized Products Research, Jay Bacow and myself talked about how cutting fed funds wasn't necessarily sufficient to bring down mortgage rates. But the other piece of this is going to be how much lower do mortgage rates need to go? And one of the things we highlighted there, a data point that we do think is important. Mortgage rates have come down recently, right? Like we're at our lowest point of the year, but the effective rate on the outstanding market is still below 4.25 percent. Mortgage rates are still above 6.25 percent, so the market's 200 basis points out of the money. One of the things that we've been trying to do, looking at changes to affordability historically. What we think you really need to see a sustainable growth in housing activity is about a 10 percent improvement in affordability. How do we get there? It's about a 5.5 percent mortgage rate as opposed to the 6 1/8th to 6.25 where we were when we walked into this recording studio today. We think there will be a little bit response to the move in mortgage rates we've already seen. Again, it's the lowest that rates have been this year, and there have been some… Ellen Zentner: Are those fence sitters; what we call fence sitters? People that say, ‘Oh gosh, it's coming down. Let me go ahead and jump in here.' James Egan: Absolutely. We'll see some of that. And then from just other parts of the housing infrastructure, we'll see refinance rates pick up, right? Like there are borrowers who've seen originations over the course of the past couple years whose rates are higher than this. Morgan Stanley actually publishes a truly refinanceable index that measures what percentage of the housing market has at least a 25 basis point incentive to refinance. Housing market holistically after this move? 17 percent? Mortgages originated in the last two years, 61 percent of them have that incentive. So, I think you'll see a little bit more purchase activity. Again, we need to get to 5.5 percent for us to believe that will be sustainable. But you'll also see some refinance activity as well, right? Ellen Zentner: Right, it doesn't mean you get absolutely nothing and then all of a sudden the spigot opens when you get to 5.5 percent. Anecdotal evidence, I have a 2.7 percent 30-year mortgage and I've told my husband, I'm going to die in this apartment. I'm not moving anywhere. So, I'm part of the problem, Jim. James Egan: Well, congratulations to you on the mortgage… Ellen Zentner: Thank you. I wasn't trying to brag, But yes, it feels like, you know, your point on perspective folks that are younger buyers, you know, are looking at the prevailing mortgage rate right now and saying, ‘My gosh, that's really high.' But some of us that have been around for a lot longer are saying, ‘Really, this is fine.' But it's all relative speaking. James Egan: When you have over 60 percent of the mortgage market that has a rate below 4.5 percent, below 4 percent, yes, on a long-term basis, mortgage rates don't look particularly high. They're very high relative to the past 15 years, and to your point on a 2.7 percent mortgage rate, there's no incentive for you... Or there's limited incentive for you to sell that home, pay off that 2.7 percent mortgage rate, buy a new home at higher prices, at a much higher mortgage rate. That has – I know you don't like the word stuck – but it has been what's gotten this housing market kind of mired in its current situation. Price is very protective. Activity pretty low. Ellen Zentner: Jim, we've been talking about all the affordability issues and so let's set mortgage rates aside and talk about policy proposals. Are there specific policies that could also help on the affordability front? James Egan: So, there's a number of things that we get questions about on a pretty regular basis. Things like GSE reform, first time home buyer tax credits, things that could potentially spur supply. And look, the devil is in the details here. My colleague, Jay Bacow, has done a lot of work on GSE reform and what we're really focusing on there is the nature of the guarantee as well as the future of regulation and capital charges. For instance, U.S. banks own approximately one-third of the agency mortgage-backed securities market. Any changes to regulatory capital as a result of GSE reform, that could have implications for their demand, and that's going to have implications on mortgage rates, right? First time home buyer tax credits. We have seen those before – the spring of 2008 to 2010, and if we use that as a case study, we did see a temporary rise in home sales and a pause in the pace with which home prices were falling. But the effects there were temporary. Sales and prices wouldn't hit their post housing crisis lows until after those programs expired. Ellen Zentner: Right. So, you were incentivized to buy the house. You get the credit; you buy the house. But then unbeknownst to any economist out there, housing valuations continued to fall. James Egan: You could argue that it maybe pulled some demand forward. And so, you saw a lot of it concentrated and then the absence of that demand afterwards. And then on the supply side, there are a number of different programs we have touched on, some of them in these podcasts in the past. And then some of those questions become what needs to go through Congress, what is more kind of local municipality versus federal government. But look, the devil's in the details. It's an incredibly interesting housing market. Probably one that's going to be the source of many podcasts to come. So, Ellen, given all these challenges facing the U.S. housing market. Where do you see the biggest opportunities for retail investors? Ellen Zentner: So, in our recent note Housing in the Next Decade, we took a look at single family renting; you and I have talked about how that's likely to still be in favor for some time. REITs with exposure to select U.S. rental markets; what about senior housing? That is something that you've done deep research on, as well. Senior and affordable housing providers, home construction and materials companies. What about building more sustainable homes with a good deal of the climate change that we're seeing. And financial technology firms that offer flexible financing solutions. So, these are some of the things that we think could be in play as we think about housing over the long term. James Egan: Ellen, thank you for all your insights. It's been a pleasure to have you on the podcast. And I guess there's a key takeaway for investors here. Housing isn't just about where we live, it's about where the economy is headed. Ellen Zentner: Exactly. Always a pleasure to be on the show. Thanks, Jim. James Egan: 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.

Porozmawiamy m.in. o wdrożeniach tzw. internetu rzeczy, w tym logistyce smart stores i dark stores, wirtualnych asystentach (m.in. Rufus i Sidekick) oraz perspektywach i ograniczeniach interaktywnych interfejsów głosowych. Dowiecie się m.in. na czym polega hiperpersonalizacja przy wykorzystaniu AI i jakie są jej ograniczenia – np. jak z perspektywy inżynierii ecommerce wygląda taki „minimalny zestaw danych”, który pozwala maksymalnie dobrze poznać klientów, ale jednocześnie nie narusza ich prywatności ani przepisów prawa? Czy ja jako konsument albo mała firma mogę już dziś sobie zrobić własnego agenta, który z jednej strony będzie firewallem na cały spam marketingowy jaki płynie z sieci, a z drugiej będzie aktywnie wyszukiwał oferty ściśle spersonalizowane pode mnie? Co jako MŚP czy sklep internetowy już dziś powinienem robić, aby być widocznym dla rosnącego sektora generatywnych wyszukiwarek (GSE)? I jak się zabezpieczyć przed scenariuszem, w którym najpopularniejsze GSE mogą niebawem kupczyć widocznością, rekomendując swoim użytkownikom gorsze od moich produktów produkty konkurencji? Rozmowa towarzyszy 6. edycji konferencji “E-commerce Trends Summit” organizowanej przez ICAN Institute online 30 września Dołącz już dziś: https://www.ican.pl/wydarzenia/konferencje/e-commerce Special Guest: Konrad Bujak.

Send us a textMalahan unveils their groundbreaking e-commerce platform designed to revolutionize how customers access and order replacement parts for their ground support equipment. After 18 months of development and data preparation, this intuitive system allows users to search by serial number, part number, or common nouns with integrated images for easy identification.• Built on the Shopify platform with full integration capabilities for maintenance management systems• Features customized pricing based on existing customer agreements• Includes real-time order tracking from processing through delivery• Maintains shopping carts for 60 days for convenient reordering• All 60,000+ part descriptions rewritten in noun-first format for improved searchability• Future plans include expanding beyond parts to service programs and PM kits• Platform designed to complement rather than replace Malahan's personal customer serviceJoin us at GSE Expo in Las Vegas on Tuesday at 1:00 PM for the official launch of Malahan's e-commerce platform at their booth, where the team will provide demonstrations and help set up customer accounts.Looking for dependable and on demand ground support equipment leasing? Fortbrand is your go to partner. We specialize in tailored operating leases for airlines, cargo carriers, and ground handlers, delivering top tier equipment without the wait. From the latest electric GSE to traditional units, Fortbrand offers flexible terms, competitive rates, and a customer experience that is second to none. Keep your ramp moving with confidence. Visit fortbrand.com and experience GSE leasing redefined.

Andreas Funk, a key figure in the formation of IAEMA in 2009, talks with Ground Support Worldwide Editor Jenny Lescohier about the evolution of the organization and its brain child, the International GSE Expo. Here are five main points of the discussion: 1. Founding of IAEMA The International Airport Equipment Manufacturers Association (IAEMA) was created in response to manufacturers' frustrations with having to attend multiple GSE exhibitions in the U.S. in the same year. Andreas Funk and a group of three other industry leaders planned to start their own show, which led to the creation of IAEMA and the launch of the first GSE Expo in Las Vegas. 2. IAEMA's mission The core mission of IAEMA is to represent GSE manufacturers and serve as a co-organizer for major industry exhibitions. The association's primary focus is to provide a unified, efficient platform for manufacturers to showcase their equipment. Funk notes that IAEMA's role could expand in the future to include standardization efforts and more active discussions with airports and ground handlers. 3. Key challenges for the GSE industry The biggest challenge facing the industry is the global push for carbon neutrality, according to Funk. Airports worldwide are aiming to be carbon-free by 2050, which requires a massive shift from diesel-powered equipment to electric, Hydrogen or synthetic fuels. This transition is difficult due to several factors: The high cost of electric equipment, which can be double the price of diesel. The challenge of building adequate charging infrastructure at many, especially older, airports. The business model of ground handlers, who often operate on short-term licenses, making them hesitant to invest in expensive new equipment. 4. Goals for International GSE Expo Funk shares his hopes for the future of the exposition, which he believes it is a highly successful event for GSE manufacturers. He expresses a desire for more airports, especially those in North America, to attend, suggesting that collaborating with organizations like the American Association of Airport Executives (AAAE) could help draw more airport personnel to the expo. 5. The role of collaboration Funk emphasizes that reaching the goal of carbon neutrality requires close cooperation. This includes collaboration between manufacturers and airports to build the necessary infrastructure, and between manufacturers and ground handlers to navigate investment challenges. He stresses that success depends on working together for the future of the industry.

Ground Support Worldwide Editor Jenny Lescohier talks with Jennifer Matasy, Executive Director of IAEMA, about the International GSE Expo taking place in Las Vegas, Sept. 16-18. Here are five main takeaways from the discussion:  1. The biggest GSE showcase in the world The International GSE Expo is the largest and only dedicated event for ground support equipment. It's a global showcase that brings together leading manufacturers, suppliers, and decision-makers. Attendees get a hands-on experience, seeing and testing the latest equipment, from traditional tow tractors to electric and autonomous vehicles. 2. Focus on electrification The predominant theme of this year's expo is the future of electric GSE. Attendees will see a wide range of new battery-powered equipment, including GPUs, pushback tractors, and baggage carriers. This shift to greener, quieter, and more efficient technology is a major focus for many manufacturers. 3. Revamped Demo Zone This year's Demo Zone has been completely revitalized to be a main attraction. It's now a dedicated space where exhibitors can showcase their new equipment. This change makes it easier for attendees to get hands-on experience and see the latest green technology in action. 4. New networking opportunities The annual golf tournament has been replaced by a new on-site Layover Lounge. Located next to the Demo Zone, this new area offers games and refreshments, creating a relaxed environment for attendees to network and connect with exhibitors and peers throughout the show. 5. Innovation and sustainability take center stage The GSE Expo is a hub for innovation, with many manufacturers unveiling new technologies. A key goal for the event is to strengthen the GSE sector by highlighting the latest sustainable, efficient, and automated equipment solutions. If your company is focused on these areas, this is the essential event to attend.

Send us a textAvro GSE shares their remarkable journey from a trading company to a full-fledged GSE manufacturer with facilities across North America and Europe. The leadership team explains how listening to customers and implementing feedback has transformed their product quality and service capabilities, positioning them as a rising force in the industry.• Avro's transition from white-labeling equipment to manufacturing their own high-quality GSE in factories across Manitoba, Minnesota, Estonia, and Italy• How extensive customer feedback drove improvements in parts availability, service capabilities, and product design• The Titan series pushbacks feature innovative hydraulic and transmission coolers allowing for long-haul towing without damage• Diesel GPUs operating at just 1500 RPM for significantly lower fuel consumption and noise reduction• Battery-agnostic electric tractors allowing customers to use their preferred battery suppliers• Expanded parts inventory (15x increase) with stock maintained in both US and Canada locations• Plans for a new manufacturing facility opening in January focused on baggage tractors• Upcoming product releases including electric equipment, air conditioners, and baggage extractors• Company's "Best on Ground" philosophy driving continuous improvement and customer responsivenessVisit fortbrandcom to learn more about Fort Brand's GSE offerings and flexible leasing with full-service maintenance options across North America and the UK.Looking for dependable and on demand ground support equipment leasing? Fortbrand is your go to partner. We specialize in tailored operating leases for airlines, cargo carriers, and ground handlers, delivering top tier equipment without the wait. From the latest electric GSE to traditional units, Fortbrand offers flexible terms, competitive rates, and a customer experience that is second to none. Keep your ramp moving with confidence. Visit fortbrand.com and experience GSE leasing redefined.

H1: UAD 3.6: Blessing or Bother? A Practical Guide for Residential Appraisers Rollout begins September 8, 2025. Whether UAD 3.6 is a blessing or a bother depends on your practice focus. If you live on the GSE side of the house, mastering the nuances is unavoidable—and worth your time. If your work leans to estates, divorces, tax appeals, and Yellow Book assignments, you'll encounter less immediate pressure. In this episode of The Appraiser's Advocate, we explain what's changing, why software and client timelines may feel bumpy at first, and how to prepare without panic. Vendors, lenders, and AMCs are learning too; we'll cover realistic expectations for staggered adoption so you can keep cash flow steady and clients confident. What you'll learn What UAD 3.6 actually changes (dynamic report, structured data, packaging) Who really needs it now (GSE work) vs. where it's less urgent (non-GSE assignments) Transition pains to expect (software readiness, lender/AMC ramp-up) How to protect your practice (flag awareness, workflows, templates, client education) Professional guardrails—keep ethics first, maintain E&O, and know when to call counsel Need a hand? Email me: tim@theappraisersadvocate.com But no matter what happens, keep your ethics foremost, pay your E&O insurance premiums, have an administrative law attorney on speed dial, and contact me at tim@theappraisersadvocate.com when I can be of service to you.  Thanks!  

Send us a textFortbrand and Fast Global Solutions partner to auction a special "Grounded in Hope" pink bag cart at the GSE Expo, with all proceeds benefiting the National Breast Cancer Foundation. The custom Bravo Series bag cart features white paint with distinctive pink curtains and will be displayed at Fort Brand's booth #2012, where attendees can place bids through a QR code or make direct donations.• Auction runs September 8-17, with the winner announced at the Women of GSE event• The National Breast Cancer Foundation provides direct support services for patients including mammograms and navigation services• The bag cart features "Grounded in Hope" branding visible from both ground level and air• Starting bid is $1,500 with options for direct donations for those not bidding• Winner will participate in a collaborative marketing campaign during Breast Cancer Awareness Month in OctoberVisit Fort Brand at booth #2012 or Fast Global Solutions at booth #7019 during the GSE Expo in Las Vegas to learn more about the initiative and the equipment.Looking for dependable and on demand ground support equipment leasing? Fortbrand is your go to partner. We specialize in tailored operating leases for airlines, cargo carriers, and ground handlers, delivering top tier equipment without the wait. From the latest electric GSE to traditional units, Fortbrand offers flexible terms, competitive rates, and a customer experience that is second to none. Keep your ramp moving with confidence. Visit fortbrand.com and experience GSE leasing redefined.

In this episode of the InsuranceAUM.com Podcast, host Stewart Foley, CFA, is joined by Dmitri Rabin, Rates and Securitized Portfolio Manager at Jennison Associates, for a deep dive into the current state of the investment-grade securitized markets. From the performance dynamics of agency MBS versus corporates to the shifting role of banks and foreign buyers, Dmitri offers a clear-eyed view of spread, convexity, and relative value through the lens of insurance portfolios. The conversation also covers asset-backed securities, subprime auto credit risk, and policy considerations around GSE privatization. Dmitri shares sector-level insights into CLOs, CMBS, and non-agency RMBS, drawing attention to structural risks and supply-demand trends shaping investor positioning. The episode closes with a candid discussion about Jenison's culture and Dmitri's career reflections offering both technical insight and human perspective for insurance investment professionals navigating today's credit markets.

Chris Whalen, chairman of Whalen Global Advisors and author of The Institutional Risk Analyst blog, returns to the show. He argues the Fed is unlikely to cut rates in September despite market expectations, with only a one-in-three chance due to FOMC dynamics and persistent inflation. He expects radical Fed reforms under Trump's nominee Steve Mirren, including potentially moving the Fed out of Washington to restore independence. Whalen is bullish on gold as the world returns to sound money, sees housing prices weakening with a major reset possible in 2028, and highlights SoFi as outperforming Bitcoin threefold. He warns the biggest market risk comes from crypto platform implosions while remaining optimistic about Trump's policies despite concerns about subject matter expertise in new appointments.Sponsor: Monetary Metals. https://monetary-metals.com/julia Links:    Twitter/X: https://twitter.com/rcwhalen    Website: https://www.rcwhalen.com/    The Institutional Risk Analyst: https://www.theinstitutionalriskanalyst.com/   Inflated book (2nd edition): https://www.barnesandnoble.com/w/inflated-r-christopher-whalen/1146303673Timestamps:0:00 Welcome Chris Whalen 1:42 Big picture outlook - Fed rate cuts unlikely despite expectations3:22 FOMC dynamics - need majority for rate cuts, only one in three chance for September5:09 Fed changes ahead - Steve Mirren and radical reforms coming7:17 Fed independence and getting out of Washington politics8:39 Fiscal reality - Fed is the tail, Treasury is the dog9:57 Gold thesis - back to sound money as world's reserve asset11:40 Gold allocation - still early innings, most portfolios under 5%14:13 Jobs data skepticism - government shouldn't be gathering this data16:13 CPI and inflation - too much liquidity still in the system18:10 Markets still have room to run - buying opportunities ahead20:18 NYC mayoral race - Cuomo path to victory over Mamdani22:34 Wealth divide creating socialist candidates - inflation driving pain24:05 Fed in a corner - can't squeeze economy like Volcker did26:19 GSE outlook - Fannie/Freddie IPO coming in Q431:31 Housing market - prices weakening but reset coming in 202834:19 Investment opportunities - SoFi outperforming Bitcoin by 3x36:15 Biggest risks - crypto platforms about to implode

Send us a textThe GSE Podcast welcomes Jennifer Zucchino (IEMA Executive Director), John Jezo (Endeavor Sales Manager), and Jenny Lescohier (Editor) to discuss the upcoming GSE Expo in Las Vegas this September and its exciting new features.• Fortbrand has acquired Xcēd, retaining all employees while expanding service offerings• IEMA has partnered with Endeavor to create an enhanced show experience with 210+ exhibitors expected• Only 25% of exhibitors are currently IEMA members despite significant benefits including 10% booth discount• The reimagined Demo Zone sponsored by PCS will feature scheduled equipment demonstrations throughout the show• The new "Layover Lounge" replaces the beer garden concept with a more inclusive social gathering space• The "Oasis" provides shaded seating with fans, phone charging, and prime viewing of demo activities• Ground Support Worldwide will present its Leaders of the Year Awards at the Expo• Registration is trending up with 2,000-2,500 attendees expected• A mobile app is being developed to enhance the attendee experience• Electric vehicles and sustainability technologies will be prominent themes throughout the showRegister at gseexpo.com to secure your spot at the GSE Expo, September 16-18 at the Las Vegas Convention Center.Looking for dependable and on demand ground support equipment leasing? Fortbrand is your go to partner. We specialize in tailored operating leases for airlines, cargo carriers, and ground handlers, delivering top tier equipment without the wait. From the latest electric GSE to traditional units, Fortbrand offers flexible terms, competitive rates, and a customer experience that is second to none. Keep your ramp moving with confidence. Visit fortbrand.com and experience GSE leasing redefined.

Mortgage-market investors will need to pay especially close attention to policy shifts and actions in coming weeks, says Erica Adelberg, chief mortgage strategist for Bloomberg Intelligence. On this Macro Matter's episode of the FICC Focus podcast series, Adelberg is joined by host Ira Jersey, BI's head of US interest-rate strategy, to discuss the mortgage-backed securities market. Adelberg explores how the MBS landscape is evolving amid recent policy shifts, including GSE-privatization discussions, the broadening of mortgage-credit access through the adoption of VantageScore, changes to VA loss-mitigation strategies and shifting demand across mortgage-backed securities products. The analysis also considers the influence of the Federal Reserve on MBS supply and demand dynamics. The Macro Matters podcast is part of BI's FICC Focus series.

With the shock and sadness of Tamy's sudden passing still fresh, we take a closer look at the mechanisms behind elephant rescues and the broader challenges GSE faces. Transparency has always been a core value at GSE, and this extends to Tamy's relocation story.Kat and Scott share their thoughts on how elephants in captivity—particularly in zoos unequipped to meet their complex needs—have often been neglected for decades. While that neglect is quietly accepted by many, efforts to offer these elephants a better life are sometimes met with resistance and public outcry. External pressures, internal politics, complacency, and a reluctance to support meaningful change can ultimately rob elephants of the chance to live with dignity and autonomy—leaving them stuck in inappropriate environments or, as in Tamy's case, passing away before rescue becomes reality.Though we end the podcast in tears, Scott expresses a firm commitment to continue fighting for these elephants, despite this heartbreaking setback.The episode transcript can be found here.Email: We'd love to hear from you podcast@globalelephants.orgWho we are: Global Sanctuary for Elephants exists to create vast, safe spaces for captive elephants, where they are able to heal physically and emotionally. There are elephants around the world in need of sanctuary, but too few places exist to be able to care for even a fraction of the elephants. International support is necessary to build sanctuaries for elephants in need of rescue and rehabilitation. Our pilot project is Elephant Sanctuary Brazil where Asian and African elephants relocated from across South America live their best lives.Website: https://globalelephants.org/Donate: Global Sanctuary for Elephants is a U.S. 501(c)3 non-profit. Our work is made possible by donations. You can support our work with a general donation, purchasing items from our wishlist, or adopting one (or all) of our elephants for a year. You can also donate with Crypto!Thank you for your support!Follow us on Facebook, Instagram, X, & YouTube While we encourage and appreciate you sharing our podcast, please note that…This presentation is protected by U.S. and International copyright laws. Reproduction and distribution of the presentation or its contents without written permission of the sponsor is prohibited.© 2023 Global Sanctuary for ElephantsA big Thank You to the talented musicians Mike McGill, Ron McGill, & Sean Rodriquez for composing our podcast jingle.

On today's episode, Editor in Chief Sarah Wheeler talks with Bose George, managing director at KBW, about the investor view of the possibility of GSE release, changes in capital requirements, the Rocket/Mr. Cooper deal and more. Related to this episode: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠HousingWire | YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠More info about HousingWire⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Enjoy the episode! KBW or an affiliate expects to receive or intends to seek compensation for investment banking services from Federal Home Loan Mortgage Corporation, Fannie Mae, Fidelity National Financial, First American Financial, Mr. Cooper, PennyMac and Rocket Companies in the next three months. KBW or an affiliate also expects to receive or intends to seek compensation for investment banking services from these companies.  The HousingWire Daily podcast brings the full picture of the most compelling stories in the housing market reported across HousingWire. Each morning, listen to editor in chief Sarah Wheeler talk to leading industry voices and get a deeper look behind the scenes of the top mortgage and real estate stories. Hosted and produced by the HousingWire Content Studio. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Ground Support Equipment (GSE) Boom The global airline industry is set to surpass $1 trillion in revenue this year, says IATA. With Airbus predicting over 42,000 new aircraft deliveries in the next 20 years, demand for ground support equipment is rapidly rising. GSE manufacturers saw a strong rebound in 2024, with growth driving innovation. Companies are focusing on efficiency, safety, and sustainability—especially through electrification and new tech like AI, telemetry, and automation. In this issue, we cover key updates across the GSE sector, spotlighting: Aircraft rescue & firefighting vehicles Ground power units Water & lavatory service trucks Equipment leasing and rental market We also feature: A deep dive into Australia's airport infrastructure, with Western Sydney Airport set for a 2026 launch An exclusive interview with Ground Team Red on GSE buying trends in the Asia-Pacific A look at Mallaghan's CT6000E catering truck for North America A new ‘CEO Q&A' where we meet a leader revolutionising electrification Lastly, we examine a growing concern in the industry: rising rates of aircraft ground damage.

We're at another crossroads. There is a growing sense on the Right that we have not solved the inflation and deportation issues. The question is will we make the right plays to achieve them. This begins with a recognition that unless we ignore the courts or strip their jurisdiction in must-pass legislation, this presidency is doomed. Next, we're joined by Alex Pollock, a banking expert at the Mises Institute, who warns that not only have we failed to solve inflation, but some of the current proposals from both parties will further exacerbate it. He explains how the Federal Reserve keeps a Ponzi scheme paid for by consumers in the form of high prices. He also believes that the Fed is fully controlled by Congress and not independent. Relatedly, Pollock believes that complaining about interest rates is addressing the symptom of the very problems created by the "easy money" cartel. Also, he believes it is a mistake to turn Freddie and Fannie back into venture socialist GSE status, which allows for crony private profit off the risk of taxpayers. More easy money and subsidized credit are what got us here; they sure won't solve inflation.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textA groundbreaking initiative is transforming the traditionally male-dominated ground support equipment industry, one connection at a time. The Women of GSE movement celebrates its first anniversary this year, having evolved from a casual conversation to a powerful network supporting women across aviation ground operations.Started by passionate industry professionals from companies like Mallaghan and XSEED, the Women of GSE initiative creates meaningful networking opportunities at major industry events. Their impact was perfectly captured by one attendee who approached organizers after a European event saying, "I came here not knowing anyone and I'm so thankful that I had this time to network and meet people." This simple yet profound testimonial demonstrates how these gatherings transform the conference experience, especially for newcomers to the industry.The group has developed several ongoing programs, including monthly spotlights featuring women from various sectors of the industry—from CEOs to engineers—and is now launching their "Women of GSE Give Back" initiative. This new charitable program will support the Resurrection Preschool in Winter Garden, Florida by collecting essential school supplies during the upcoming GHI conference in Orlando. Collection boxes will be available throughout the event, accepting items like crayons, markers, and double-sided tape, along with cash donations that will be converted to Amazon gift cards for the school.Women of GSE welcomes anyone interested in supporting their mission. You can connect with them on LinkedIn by searching for their distinctive purple logo, attend their networking event at GHI Orlando on Wednesday at 1:30 PM in the Speed Networking area, or simply stop by to contribute to their charitable initiative. As they move into their second year, their message remains clear: GSE is "a great place to work with good people" where women can thrive, connect, and make a difference both within the industry and beyond.Looking for reliable and flexible ground support equipment leasing solutions? Look no further than Xcēd! As your trusted partner, Xcēd specializes in tailored operating leases for ground handlers and airlines, offering top-notch equipment and flexible terms to suit your needs. Whether you're seeking the latest electric GSE or traditional equipment, Xcēd has you covered with competitive rates and exceptional customer service. Keep your operations running smoothly and efficiently with Xcēd. Visit xcedgse.com today and soar to new heights with Xcēd Ground Support Equipment Leasing!

Send us a textStep into the world of ground support equipment innovation as the Power Stow Americas team opens their doors to reveal how they're quietly revolutionizing baggage handling operations worldwide. From their facility in Norcross, Georgia, this intimate conversation takes listeners on an unexpected journey through the company's fascinating origin story and current cutting-edge solutions.The podcast features a remarkable cast of industry veterans - Ken Brown (KB), who spent 38 years with United Airlines before crossing over to lead Power Stow Americas; Justin Brennan, bringing his extensive GSE sales expertise; and most surprisingly, Arlie Wurtzen, who designed chocolate manufacturing equipment (including the knife that cuts Kit Kat bars!) before helping develop Power Stow's first prototype over 20 years ago.What began as a solution to European regulations limiting lifting weight has evolved into a product line that dramatically improves ergonomics for ramp workers. The flagship roller track system, which extends conveyor belts directly into aircraft cargo holds, has become so valued that ramp agents have physically fought over units and stayed with them during breaks to prevent others from "borrowing" their equipment.The conversation explores how Power Stow has expanded beyond their initial success with new innovations like the tail loader (bridging the gap between belt loaders and carts), the transfer belt (solving ergonomic challenges in baggage rooms), and assisted docking systems (addressing aircraft damage concerns). Throughout each development, the company maintains its obsessive focus on user experience and customer service, shipping parts same-day and deploying technicians within 24 hours when needed.Most compelling are the stories of transformation - from KB's journey as a skeptical airline executive to becoming the company's biggest advocate, to the moments when resistant veteran ramp workers suddenly realize how the technology can extend their careers by protecting their bodies. These human elements reveal why Power Stow has earned such loyalty in an industry where relationships and reliability matter more than fancy marketing.Ready to see these innovations in person? Visit Power Stow at the upcoming GSE Expo in Las Vegas, where they'll showcase their systems and demonstrate why this team has earned such respect throughout the aviation ground handling community.Looking for reliable and flexible ground support equipment leasing solutions? Look no further than Xcēd! As your trusted partner, Xcēd specializes in tailored operating leases for ground handlers and airlines, offering top-notch equipment and flexible terms to suit your needs. Whether you're seeking the latest electric GSE or traditional equipment, Xcēd has you covered with competitive rates and exceptional customer service. Keep your operations running smoothly and efficiently with Xcēd. Visit xcedgse.com today and soar to new heights with Xcēd Ground Support Equipment Leasing!

Transparency in our work can be both a blessing and a challenge. This week, we catch up with Kat in Brazil and Scott in Argentina, where he is assisting both Kenya's (Mendoza) and Pupy's (Buenos Aires) caregiver teams with relocation training. Kat and Scott share how the introduction of a chain in Pupy's crate training has raised concerns among even long-time supporters. We also discuss why sedating an elephant during transport is not an option for GSE.​The challenges of Tamy's situation are discussed in more detail. His enclosure is too small to accommodate both the crate and the necessary space for training. This limitation poses significant hurdles, as he is in a pit surrounded by high and thick concrete walls. The urgency of his situation is understood by all involved at the eco-park.​The episode transcript can be found here.Email: We'd love to hear from you podcast@globalelephants.orgWho we are: Global Sanctuary for Elephants exists to create vast, safe spaces for captive elephants, where they are able to heal physically and emotionally. There are elephants around the world in need of sanctuary, but too few places exist to be able to care for even a fraction of the elephants. International support is necessary to build sanctuaries for elephants in need of rescue and rehabilitation. Our pilot project is Elephant Sanctuary Brazil where Asian and African elephants relocated from across South America live their best lives.Website: https://globalelephants.org/Donate: Global Sanctuary for Elephants is a U.S. 501(c)3 non-profit. Our work is made possible by donations. You can support our work with a general donation, purchasing items from our wishlist, or adopting one (or all) of our elephants for a year. You can also donate with Crypto!Thank you for your support!Follow us on Facebook, Instagram, X, & YouTube While we encourage and appreciate you sharing our podcast, please note that…This presentation is protected by U.S. and International copyright laws. Reproduction and distribution of the presentation or its contents without written permission of the sponsor is prohibited.© 2023 Global Sanctuary for ElephantsA big Thank You to the talented musicians Mike McGill, Ron McGill, & Sean Rodriquez for composing our podcast jingle.

The regulars explore how Fed drama, tariff-driven inflation fears, and GSE repurchase risks are putting new pressure on mortgage lenders and the housing market.

This podcast segment unpacks rising GSE repurchase risks and the cultural landmines facing major mortgage industry mergers.------------------------------------------------------------------Alice Alvey, Master CMBVice President Partner Education and Training at Union Home MortgageShe handles development of their World Class Training program designed to support UHM partners and organizational effectiveness.Prior to UHM, Alice served as Senior Vice President at Indecomm leading the Indecomm-Mortgage U division, Internal QA and Compliance and SaaS technologies. Indecomm acquired Mortgage U in 2013, where Alice was President/Co-founder, providing training and consulting since 1996. Prior to MU she served as SVP of Operations at a national bank overseeing operations for wholesale, retail and correspondent from underwriting through servicing, and compliance.She has been in the trenches of mortgage lending operations from application through servicing for over 30 years. Her authoring work in training content, policies and procedures and the FHA/VA Practical guides illustrates her ability to bridge regulatory requirements with day-to-day operations.Alice has been a weekly contributor to the Lykken on Lending show since its beginning in April 2009 and has made her weekly contributions to 450+ episodes!

Jaret Seiberg, managing director at TD Cowen, talks about how the uncertain economic environment—and changing policies regarding tariffs—are impacting banks large and small. He also tackles Treasury Secretary Scott Bessent's bank regulatory agenda, whether the Trump administration can successfully accomplish GSE reform and the significant risks to banks from stablecoin legislation.

In this week's episode, we catch up on events at Ecoparque Mendoza in Argentina, where female African elephant Kenya has received a significant new item: her transport crate! Marcos, one of GSE's caregivers, is on-site, preparing and training Kenya for her upcoming journey to Elephant Sanctuary Brazil.Kat also declares her love for Tamy, the male Asian elephant destined for his forever home at the sanctuary. However, his training presents several challenges, including determining a suitable training location within the zoo, as his current habitat is inadequate. More importantly, GSE needs to find a caregiver committed to spending three months in Argentina to build trust with Tamy.