Podcasts about icrs

Welcome to EO Radio Show – Your Nonprofit Legal Resource. I'm Cynthia Rowland, and episode 59 is the seventh in a series of Quick Tip episodes focusing on the details of state registration of nonprofit corporations. In episode 38, we talked about filing in Delaware and California, which are the most frequently used by our clients - most of whom have a connection with California. Episode 40 focused on filings in Nevada and Arizona; 43 looked at Washington State and Oregon; 47 addressed Alaska and Hawaii; 52 looked at New York and New Jersey; and most recently episode 55 looked at Massachusetts and Connecticut. With the help of Joe Hilliard, this episode looks at the basic state filing requirements for nonprofit corporations operating in Maine and Vermont. We'll work through the rest of the states in future episodes. Resources: YouTube channel For Maine: Maine Secretary of State Corporations page: https://www.maine.gov/sos/cec/ Maine current entity database: https://apps1.web.maine.gov/nei-sos-icrs/ICRS?MainPage=x Maine nonprofit formation FAQ, including forms and fees: https://www.maine.gov/sos/cec/corp/nonprofit.html Maine filing FAQ: https://www.maine.gov/sos/cec/corp/miscellaneous.html Maine Domestic Nonprofit Articles of Incorporation form: https://www.maine.gov/sos/cec/forms/nonprofit/mnpca6.pdf Maine Application for Authority to Carry on Activities form: https://www.maine.gov/sos/cec/forms/nonprofit/mnpca12.pdf Maine Annual Report online form request: https://www.maine.gov/sos/cec/corp/annual.html Maine Annual Report paper form request: https://apps1.web.maine.gov/online/aro/form_download.html Maine Professional & Financial Regulation Charitable Solicitations Act Licensing website: https://www.maine.gov/pfr/professionallicensing/professions/charitable-solicitations-act Maine Charitable Organization License Application: https://www.maine.gov/pfr/professionallicensing/sites/maine.gov.pfr.professionallicensing/files/inline-files/CHA-org-app.pdf Maine Sales Tax Exemption FAQ: https://www.maine.gov/revenue/taxes/sales-use-service-provider-tax/tax-exempt-organizations Maine Association of Nonprofits website: https://www.nonprofitmaine.org/starting-a-maine-nonprofit For Vermont: Vermont Secretary of State Business Services website: https://sos.vermont.gov/corporations/ Vermont current entity database: https://bizfilings.vermont.gov/online/BusinessInquire/ Vermont Nonprofit Corporation FAQ: https://sos.vermont.gov/corporations/registration/domestic-registration/nonprofit-corp/ Vermont Attorney General "Understand Your Responsibilities: Guidance for Board Members of Charitable Nonprofit Organizations in Vermont:" https://ago.vermont.gov/sites/ago/files/wp-content/uploads/2018/01/Charitable-Nonprofit-Board-Guidance.pdf Vermont Forms and Fees FAQ: https://sos.vermont.gov/corporations/fees/#tnonprofit2 Vermont Annual Report online form request: https://sos.vermont.gov/corporations/renewals-updates/reports-renewals/annual-biennial-reports/ Vermont Office of the Attorney General Charitable Registration: https://ago.vermont.gov/divisions/charities-and-paid-fundraisers Vermont Department of Taxes website: https://tax.vermont.gov/ If you have suggestions for topics you would like us to discuss, please email us at eoradioshow@fbm.com.  Additional episodes can be found at EORadioShowByFarella.com.  DISCLAIMER: This podcast is for general informational purposes only. It is not intended to be, nor should it be interpreted as, legal advice or opinion.

In honor of the Small Victories Season 2 Premiere on August 3rd, we want to use our feed to promote other fantastic audio dramas. It's the 22nd century. The Apollyon virus has torn though the world and wiped out more than half of the population. Now, a majority of the world is governed by the ICRS, the International Conglomerate of Research Scientists, a group of politicians and scientists working to keep the world as safe as possible. That safety means restricted travel and quarantined cities. Dr. Theo Ramsey works in the American ICRS headquarters in Atlanta. She and her research partner, Dr. Gabriel Larson, have just discovered an effective vaccine for AVS, but the stakes to get the vaccine to the public are higher than she ever imagined.Main Site Apollyon.Observerpictures.com Facebook facebook.com/groups/ApollyonPod Instagram Instagram.com/ApollyonPod Twitter Twitter.com/ApollyonPod Patreon Patreon.com/ObserverPi 

Welcome to Simply Trade podcast! This week's episode features expert guest Jeremy Page, discussing Foreign Trade Zones and their benefits. Firstly, Page clarifies that Foreign Trade Zones are not the same as Free Zones, and delves into the history of the zone program and the agencies overseeing it, including the FTZB and CBP. Other players, such as the Grantee, Operator, User, and Administrator, are also discussed. Next, the requirements to participate in Foreign Trade Zones are outlined, including the necessary applications and approvals, manual requirements, bond, inventory control and recordkeeping systems, and reporting obligations. Page then explores the benefits and costs of Foreign Trade Zones. Benefits such as inverted tariff, direct delivery, re-export, duty deferral, zone to zone transfers, and use as an export manufacturing platform are discussed, as well as the weekly entry (with noteworthy UFLPA implications). Costs include grantee support, bond, ICRS, use of bonded carriers, headcount, and CBP engagement. Lastly, current issues with Foreign Trade Zones are explored. These include the absence of USMCA benefits for goods withdrawn from the zone for domestic consumption, USMCA (and formerly NAFTA) duty deferral limitations, and the lack of de minimis benefits. Tune in to Simply Trade podcast for more valuable insights on international trade! Enjoy the show.   Full show with video available on www.Crowd.Trade Host: Andy Shiles: https://www.linkedin.com/in/andyshiles/  Host/Producer: Lalo Solorzano: https://www.linkedin.com/in/lalosolorzano/  Co-Producer: Mara Marquez: https://app.milanote.com/1M8bFD1P9F3c6G/mara?p=qFiiiJVFV2z Show references: Global Training Center - www.GlobalTrainingCenter.com Simply Trade Podcast - twitter.com/SimplyTradePod  Jeremy Page - https://www.linkedin.com/in/jeremy-page-40b4aa6/  Contact SimplyTrade@GlobalTrainingCenter.com or message @SimplyTradePod for: Advertising and sponsoring on Simply Trade Requests to be on the show as guest Suggest any topics you would like to hear about Simply Trade is not a law firm or an advisor. The topics and discussions conducted by Simply Trade hosts and guests should not be considered and is not intended to substitute legal advice. You should seek appropriate counsel for your own situation. These conversations and information are directed towards listeners in the United States for informational, educational, and entertainment purposes only and should not be In substitute for legal advice. No listener or viewer of this podcast should act or refrain from acting on the basis of information on this podcast without first seeking legal advice from counsel. Information on this podcast may not be up to date depending on the time of publishing and the time of viewership. The content of this posting is provided as is, no representations are made that the content is error free. The views expressed in or through this podcast are those are the individual speakers not those of their respective employers or Global Training Center as a whole. All liability with respect to actions taken or not taken based on the contents of this podcast are hereby expressly disclaimed.

Golsch, Nikolaswww.deutschlandfunk.de, Umwelt und VerbraucherDirekter Link zur Audiodatei

CONTENT WARNING: This episode contains discussion of suicide. ***When the ICRS was still in its infancy, the need to find a way to control AVS was the most important thing in the world. Sacrifices were necessary to keep the world safe.***If you're interested in donating, please visit patreon.com/Observerpix for a monthly donation or ko-fi.com/Observerpix for a one time donation. Did you enjoy the episode? Please subscribe and share with your friends! We would also love for you to leave a rating and review at podchaser.com/Apollyon, Apple Podcasts, or Spotify.For a full list of cast, crew, and all the amazing people who made this show possible, please visit apollyon.observerpictures.com. You will also find transcripts and social media links there!

Listen to our episode on Knee Arthritis as Dr. Sherman gives us an excellent overview!  Dr. Seth Sherman graduated from Weill Cornell Medical College in New York in 2005 with a medical degree. He finished his residency at the Hospital for Special Orthopaedic Surgery in 2010 and his fellowship at the Rush University Medical Center GME Office of Illinois, Chicago in 2011.Moreover, he served as an assistant team physician for the Chicago Bulls and White Sox during his sports medicine fellowship in Chicago while he worked as a team physician for the Mizzou Tigers in the NCAA SEC conference before joining the Stanford squad in July 2019. Dr. Sherman also serves as the fellowship director for the Stanford Sports fellowship program. Dr. Sherman specializes in arthroscopic and minimally invasive knee and shoulder surgery. He also has research interest and sub specializes in knee joint preservation/cartilage repair and the patellofemoral joint. Dr. Sherman, as a tertiary care practitioner, provides non-surgical and salvage surgical options for active patients with complicated conditions, as well as in situations when earlier procedures have failed. With his interest in research, Dr. Sherman co-authored over 100 peer-reviewed publications and chapters which regularly discusses at national and international conferences.He is also the Chairman of the American Academy of Orthopaedic Surgeons' Sports Medicine/Arthroscopy Committee and is on the boards of many other organizations such as AOSSM, AANA, ISAKOS, and ICRS.    Goal of episode: To develop a baseline knowledge on Knee Arthritis. We cover: History PE Imaging Treatment options Non-op Operative Osteotomy basics Medial compartment OA Lateral compartment OA Sagittal plane deformity Knee Instability + pain Pre-op planning Post op protocols

​Marijuana (cannabis) has been used for thousands of years as a medicine, but it has been illegal in the United States for most of our lives. Almost all states have now legalized its medical use, and many consumers and health professionals are exploring it as an alternative to conventional treatments. There's substantial evidence that marijuana is a safe and effective treatment for chronic pain, chemo side effects, sleep and mood disorders, MS, and Parkinson's disease, among others. But there's also misinformation about marijuana on social media. And most clinicians have limited knowledge on the subject, while dispensary staff (aka “budtenders”) lack medical training. GW Integrative Medicine co-host Mikhail Kogan, MD, a renowned expert on Integrative Medicine, medical cannabis, and CBD, along with Joan Liebmann-Smith, PhD, hope to change that with their new book—“Medical Marijuana: Dr. Kogan's Evidence-based Guide to the Health Benefits of Cannabis and CBD” with forward by Dr. Andrew Weil. Dr. Liebmann-Smith is an award-winning medical writer, medical editor, and medical sociologist. She's written 5 books on various healthcare topics, and her articles have appeared in numerous national print and online publications, including AARP Bulletin, Newsweek, and the Huffington Post. She is also a consulting editor for Memorial Sloan Kettering's dermatology service. ◘ Related content Medical Marijuana: Dr. Kogan's Evidence-based Guide to the Health Benefits of Cannabis and CBD by Mikhail Kogan, MD, and Joan Liebmann-Smith, PhD https://bit.ly/3D8rIBR 2017 National Academy of Sciences report on "The Health Effects of Cannabis and Cannabinoids: The Current State of Evidence and Recommendations for Research." bit.ly/2H0DnJa The International Cannabinoid Research Society, (ICRS), is a source for impartial information on cannabis and the cannabinoids that provides an open forum for researchers to meet and discuss their research. icrs.co/ Dr. Kogan's interview with Dr. Donald Abrams, internationally known medical cannabis expert bit.ly/38NllWQ Dr. Kogan's interview on Medical Cannabis for Chronic Pain Guidelines https://bit.ly/3F2n4Xx ◘ Transcript https://bit.ly/3F2huVh ◘ This podcast features the song “Follow Your Dreams” (freemusicarchive.org/music/Scott_Ho…ur_Dreams_1918) by Scott Holmes, available under a Creative Commons Attribution-Noncommercial (01https://creativecommons.org/licenses/by-nc/4.0/) license. ◘ Disclaimer: The content and information shared in GW Integrative Medicine is for educational purposes only and should not be taken as medical advice. The views and opinions expressed in GW Integrative Medicine represent the opinions of the host(s) and their guest(s). For medical advice, diagnosis, and/or treatment, please consult a medical professional.

Catherine Van Loo, a partner at the specialist Carnstone CSR consultancy which acts as secretariat to the ICRS, the Institute of Corporate Responsibility & Sustainability, talks about her work, her career and the role of the fast-growing ICRS, the professional body for CSR and sustainability professionals, with its ICRS Northants Hub hosted by the University of Northampton. See www.icrs.info Originally Broadcast Tuesday 21st September on Open4Business on NLive Radio

The home of the Nazi movement in the 1930s and 1940s now has a significant 'neo'-Nazi extremist movement in addition to problems with jihadis.  Complicating things are 35 different security agencies.  Borealis talks with ICRS's Peter Neumann to get the lowdown on what is happening there.About my guest Peter Neumann:Peter Neumann is Professor of Security Studies at the Department of War Studies, King's College London, and served as Founding Director of its International Centre for the Study of Radicalisation (ICSR) from 2008 to 2018. In 2017, he was the OSCE's Special Representative on Countering Violent Radicalisation.►Peter's latest book Bluster: Donald Trump's War on Terror►Find out more about my guest Peter NeumannAbout the host Phil Gurski:Phil is the President and CEO of Borealis Threat and Risk Consulting Ltd. and Programme Director for the Security, Economics and Technology (SET) hub at the University of Ottawa's Professional Development Institute (PDI). He worked as a senior strategic analyst at CSIS (Canadian Security Intelligence Service) from 2001-2015, specializing in violent Islamist-inspired homegrown terrorism and radicalisation.►Check Phil's latest book ''The Peaceable Kingdom'' - https://borealisthreatandrisk.com/the-peaceable-kingdom/►Website - https://borealisthreatandrisk.com/►Twitter - https://twitter.com/borealissaves►LinkedIn - https://www.linkedin.com/in/phil-gurski-8942468/►Email - borealisrisk@gmail.com

Thank you for joining us for the Season One Wrap-up of the REEF Roundup Podcast. In this episode we look back on the many things we learned from our diverse and inspiring guests. Each of our conversations provided new insights and left us with hope about the future of the ocean - so long as we all do our part. We hope you feel the same! We're hard at work to bring you a fantastic Season Two, which will be released in July, 2021. The format for Season Two will be a little bit different, as we will be focusing the entire season on one topic and integrating a variety elements to help you, our listeners, be more interactively involved in the production and direction of the show. We will also be reporting live from two major coral reef conservation conferences (ICRS and and IUCN World Conservation Congress). More on these exciting developments soon. Till then, please don't forget to subscribe so you won't ever miss an episode. Thanks again! REEF Roundup Podcast (reef-roundup.com) REEF Scuba (reef-scuba.org) --- Send in a voice message: https://podcasters.spotify.com/pod/show/reefroundup/message Support this podcast: https://podcasters.spotify.com/pod/show/reefroundup/support

Dr. Theodora Ramsey from the ICRS is here to explain Apollyon and introduce you to the International Conglomerate of Research Scientists.

Il 5 novembre 2020, il professor Raphael Mechoulam, ampiamente riconosciuto come tra i più grandi scienziati nel campo della ricerca sui cannabinoidi, e che è ancora un ricercatore attivo, festeggerà il suo novantesimo compleanno. Per questa occasione Viola Brugnatelli vi racconta la sua storia sul podcast Cannabis Italia e ricordatevi che siete ancora in tempo ad iscrivervi alle molte conferenze che vengono organizzate con e per il professore, come IACM, CannX, ICRS.

Discussion of next-generation ICRs, CDMs, and lasers that are propelling transmission rates of 800Gpbs and beyond using 90 – 96Gbaud components.  Guests include Janet Chen, Ph.D. and Product Line Manager for Coherent Modulator and Receiver, Mike Desmond, Product Line manager, Tunable Lasers, Winston Way, Ph.D. and Chief Technology Officer of NeoPhotonics, and Ferris Lipscomb, Ph.D. […]

Support the show! http://patreon.com/magicmics Visit our sponsor: http://www.coolstuffinc.com  Check out the twitch channel: http://twitch.tv/magicmics Visit our subreddit: http://www.reddit.com/r/magicmics Follow us on Twitter: http://twitter.com/magicmicscast Like us on Facebook: http://facebook.com/magicmics Want the 2hr+ NSFW Extended experience? Support us on Patreon!   Airdate - 7/15/2020 First Pick   B&R Announcement: https://magic.wizards.com/en/articles/archive/news/july-13-2020-banned-and-restricted-announcement-2020-07-13 WotC Watching Pioneer: https://twitter.com/MagicEsports/status/1282733934535675905 Gather the Townsfolk   Arena State of the Game: https://magic.wizards.com/en/articles/archive/magic-digital/mtg-arena-state-game-july-2020-07-15 Flashback Drafts to Run Alongside M21 Drafts: https://old.reddit.com/r/MagicArena/comments/hrrci8/mtg_arena_state_of_the_game_july_2020/fy5w6hr/ Jumpstart Comes to Arena: https://www.youtube.com/watch?v=H-lmGhH-6hE Packs Not for Sale: https://twitter.com/mtg_arena/status/1283060546854547456?s=21 ICRs are Jumpstart Rares and Mythics: https://old.reddit.com/r/MagicArena/comments/hr32wp/play_jumpstart_magic_the_gathering_arena/fy1p9yw/   CommandFest Online 2: https://twitter.com/ChannelFireball/status/1283537335074861056?s=19   A Historic Arena Open: https://twitter.com/MTG_Arena/status/1281343020315508737   Magic Portal Companion: https://twitter.com/wizards_magic/status/1283492481112383488   MaRo’s Magic Panel at Comic-Con@Home:https://twitter.com/maro254/status/1282001108546678784?s=19   Job Openings at WotC: “Senior Manager Diversity Equity & Inclusion”: https://twitter.com/elainechase/status/1283507187738959874?s=21 “Senior Game Designer - Worldbuilding”:https://twitter.com/aquelajames/status/1283472604901240832   Desperate Ravings   Esports Update: https://magic.gg/news/esports-update-2020-mythic-invitational-upcoming-announcements-and-more Seth Manfield’s Thoughts: (In comment because link is broken) Announcing the 2020-2021 Magic Esports Season: https://magic.gg/news/announcing-the-2020-2021-magic-esports-season Magic Pro League Season Overview: https://magic.gg/news/the-2020-2021-magic-pro-league-season-overview Super PTQs are on MTGO: https://twitter.com/edelgenius/status/1283105777637634050 Hall of Fame Members No Longer Invited to Player Tours: https://twitter.com/edelgenius/status/1283111185563385858 Javier Dominguez’s Thoughts: https://twitter.com/JavierDmagic/status/1283165657673195521 Christian Calcano’s Thoughts: https://twitter.com/CCalcano/status/1283169420135866368 Andrea Mengucci’s Thoughts: https://twitter.com/Mengu09/status/1283153224241905667   Statement from Labyrinth Game Shop: https://facebook.com/story.php?story_fbid=3389069367779378&id=155986107754403&sfnsn=mo   LGS Makes Anti-Semitic Comments: https://twitter.com/AdamECohen/status/1281411376192331776?s=20 https://cdn.discordapp.com/attachments/410942703623208960/731155872583254067/image.png   Mike Sigrist Has Covid: https://twitter.com/MSigrist83/status/1283081799988641792   In-Store Play Re-Suspended: https://wpn.wizards.com/en/article/store-play-suspension-temporarily-reinstated-us-latam   Red Zone   Splash Damage One Percent Fortnite House: https://kotaku.com/fortnite-youtubers-buy-mansion-decorate-it-like-sad-te-1844311434   The LEGO NES:https://www.polygon.com/2020/7/13/21322453/nintendo-lego-nes-release-date-price   World of Warcraft Drops Gender Change Fee:   https://www.ign.com/articles/world-of-warcraft-shadowlands-will-drop-gender-change-fee

Welcome to Finance and Fury.  The future landscape of superannuation – the rise of megafunds through compelled mergers Numerous bodies, including regulators and government, have been keen for superannuation funds to merge The merging of several larger superannuation funds are currently underway creating so-called mega funds. On the flipside, there are smaller superannuation funds, particularly niche funds who focus on areas such as ethical investments, that are holding out against the pressure to merge. This episode – we will focus on the issue of mergers in superannuation, where it can bring benefits and where it cannot – implications for the future of superannuation   The consolidation of superannuation funds is primarily being driven by APRA and superannuation trustees - believe such moves can improve the super system and lead to better outcomes   This belief is supported by findings from the Productivity Commission (2018) review of the efficiency and competitiveness of the Australian superannuation system. Three findings pertinent to mergers were: Compelling cost savings from realised scale have not been systematically passed on to members as lower fees or higher returns. Much scale remains elusive with too few mergers. Rivalry between funds in the default segment is superficial, and there are signs of unhealthy competition in the choice segment (including product proliferation). Many funds lack scale, with 93 APRA-regulated funds — half the total — having assets under $1 billion. The default segment outperforms the system on average, but the way members are allocated to default products has meant many (at least 1.6 million member accounts) have ended up in an underperforming product, eroding nearly half their balance by retirement. APRA – Academic study conducted - found that generally members benefited from being in larger superannuation funds for three reasons: Larger not-for-profit funds provide diversification benefits of investing in more asset classes including unlisted property and private equity. Larger funds avoid the scale diseconomies in investment returns documented in studies of equity mutual funds. Larger funds make substantial savings by spreading fixed operating costs (such as IT infrastructure) over a larger asset base Projections – Major areas – APRA: Corporate, Industry, public sector and retail – the SMSF which is ATO The number of APRA-regulated super funds in Australia is set to shrink considerably. In its Super Insights Report (2019), KPMG estimates APRA-regulated funds will fall from 217 to just 85 in 2029. Corporate funds will fall from 24 to six; industry funds from 38 to 12; public sector funds from 37 to 15; and retail funds from 118 to 52. the number of SMSFs is projected to grow from 596,225 to 770,759 by 2029. Australia’s super assets have ballooned to $2.9 trillion as of September 2019, making it the world’s fourth-largest retirement savings pool. The nation’s super assets are forecast to more than triple to $10.2 trillion by 2038, according to Deloitte’s recent report - Dynamics of the Australian Superannuation System According to Rice Warner’s Superannuation Market Projection 2019report - within five years - the industry will be dominated by nine funds controlling $1.7 trillion includes a merged QSuper/Sunsuper with $350b of assets, AustralianSuper with $325b, AMP with $200b and UniSuper with $150b. Looking forward - When combined with the strong growth of super savings to $10.2 trillion by 2038, these megafunds will make super funds an increasingly powerful force in corporate Australia, particularly in listed markets. If funds continue to hold a similar allocation of assets to Australian shares as they currently do, Deloitte says they will “dominate the Australian Stock Exchange holdings” and estimates the proportion of the ASX owned by super funds will almost double to 60 per cent by 2038 Beyond what the productivity commission mentioned - Why merge? Outflows and sustainability – Net cash outflows The aging population is another reason that there is pressure to merge. As the demographic of a superannuation fund’s membership ages, there will be an increasing level of outflows from the fund. According to KPMG (2019), in 2018 one-third of funds were in an outflow position, while the median fund retained approximately 17 cents in every dollar received. Sustainability of superannuation funds Of course, outflows need to be at a sustainable level and APRA is concerned that this may not be the case for many superannuation funds. Liquidity issues – super funds with outflows may struggle Increasing the scale of the funds due to the size of the super - The benefits of scale can include: lower per member operating cost (for example, the cost of developing technology can be shared over a greater number of people) more influence to advocate on behalf of members – more powerful companies - Issues - Best interests duty of what is in the members actual interests or the superannuation funds interest trustees will also need to consider whether the transfer would breach the obligation to perform duties of acting in the best interests of their members has been lots of talk about why small or under-performing funds have not merged with large funds – Small vs large funds - If a small fund has high fees, high investment costs, high operating costs and it merges into a larger fund that has lower of all of these, all else being equal, it is a very clear case for the small fund However, while it may only be marginal impact to the large fund, it is difficult to prove how the merger is in the best interests of its members. Failed mergers – not all internal players of super funds her on - contention over job roles has been blamed for the failure of some mergers to occur proposed merger between Australian Catholic Super (ACS) and Australian Catholic Superannuation and Retirement Fund (ACSRF) to create an $18 billion fund in 2018 came unstuck when the former demanded that it be able to appoint the chair of the board failed merger came under scrutiny at the Royal Commission into Misconduct in Banking, Superannuation and Financial Services Industries, with Commissioner Hayne inquiring why it mattered who merged into who Efficiencies not guaranteed – especially the scale or operational efficiencies Where fee arrangements are tied to volume (either in value of assets or number of members), scale efficiencies might not be as easy to achieve as one might assume. However - increased bargaining power can see a renegotiation of terms with service providers to reduce the cost base for all members – look at the PDS for super – has management fees, ICRs, operating costs, borrowing and property costs - but require that trustees have an active strategy for managing outsourced functions – otherwise, there is no incentive to reduce these fees as the percentage scale just means more money One benefit which is promoted is that these super accounts will have access to direct investments into areas such as property and infrastructure – but this comes with a downside - need to be managed with liquidity risks Lack of membership diversification of choice of funds - impacts of the coronavirus on the superannuation system had revealed a structural weakness that had long been hiding in plain sight; the failure to diversify fund membership, which can be as dangerous as failure to diversify investments - we need to ask ourselves whether such proposals which essentially double down on the same set of risks are wise... Are such mergers – motivated more by super’s industrial relations legacy than by modern-day concepts of prudent risk management – to the benefit of their members? Is there going to be a role for smaller superannuation funds – reasons for mergers is that the majority of chronic underperformers are found in the smaller-end of the superannuation industry - not the whole story Smaller funds may not have scale - but they can have some advantages in some situations smaller superannuation funds are nimble and are able to take advantage of small but profitable investments that the larger funds overlook because it is not worth their time for the amount of money involved – or cannot take a position worthwhile into Managed funds have issued with this – move the price of assets when buying in or selling – reduces the returns Niche funds– a subset of smaller funds that cater to particular interests, such as ethical investing – may also struggle to play an important role in the superannuation ecosystem where mergers are being promoted by policy – These services could be lost if they were swallowed up by larger funds Would provide limited options or ability for members to line their superannuation up with their investment philosophy some of these funds are seeing rapid inflows of members and funds- been the fastest growing superannuation funds over both one and five year timeframes for inflows     Implications for the industry if consolidation continues Study by KPMG 2019 -consolidation is likely to see the rise of what has begun to be known as the ‘mega funds’ – that have ownership over most of the ASX – control companies – Super funds are expected to use their increasing clout – over the past 15-20 years - industry funds were largely passive shareholders – but this has been changing - becoming activist shareholders funds are starting to invest based around climate change and corporate governance - called environmental, social and governance (ESG) decisions Might have seen in the news about the divestment from Coal companies and other industries One of the most important implication is that the power of superannuation funds - particularly that of mega funds Some concerns – example - Australian Super and Westpac in the AUSTRAC scandal - AustralianSuper, Cbus and Hostplus did not support a spill of the Westpac board (other shareholders were pushing for) following the money-laundering scandal in 2019 Best in class classifications - While slightly tangential to the discussion about mergers, the Productivity Commission recommendation are to have a top 10 ‘best in class’ default superannuation funds based around performance Has an overlap with mergers and what the industry will look like – though it is important to note that just because a superannuation fund is one of the largest funds does not necessarily mean it will be one of the top-10 ‘best in class’ funds For those outside of the top-10 ‘best in class’ default superannuation funds, inflows are going to become more of a problem as they will have to rely on people to make an active choice to join their superannuation fund But no guarantee that the best in class would be that next year or the year after This will likely cause further consolidation across the industry as many funds will no longer be able to rely on default members to prop up inflows – basically getting a stamp – further consolidating power into the top super with FUM Predictions are that over the next 15 years superannuation will increase from $2.7 trillion to $4.8 trillion, discounted to today’s dollars - There are two factors which have a range of implications: 1) Continued consolidation. 2) The increase in FUM which greatly surpasses GDP – where there may not be enough assets to invest in reducing the quality of investments   Applying this to your own situation – Pay attention to your accounts – the merging may have issues that impact you as well – May have to update things like Binding nominations – Also would want to double check contributions are updated   Summary - The superannuation industry looks set to go through a period of consolidation at the behest of APRA and the government The aim of this is to create better outcomes for members by driving underperforming funds out of the system. However – the practical issues around mergers is complex – such as what advantages this will bring, and whether it is in members’ best interests Regardless it is likely that we will see the rise of mega funds and a decrease in the number of smaller funds Mega funds are expected to have increasing power over corporate Australia and through that, the economy But like a lot of policy – it may not work out as intended and have large unintended consequences Thank you for listening to today's episode. If you want to get in contact you can do so here: http://financeandfury.com.au/contact/

In this episode, Lauren Massey joins Mike Maali to discuss the changes to the internal audit approach and how internal audit will look and feel different after transformation.We discuss the following questions: 0:44 - How will internal audit transformation change the way that we address risk?1:55 - What implications will this have for reporting to the Audit Committee and executive management and other forms of reporting?3:36 - What’s the difference between an audit spectrum and the traditional audit plan?6:11 - How are the organization's enterprise risk management process and 3 lines of defense working together to play an important role in this transformation?9:25 - What are some key takeaways to consider when companies are going down their own internal audit transformation journey?https://www.pwc.com/us/en/services/risk-assurance/podcasts/rethinking-internal-audit-approach.html

Powered by iReportSource OSHA has a decent list of regulatory agenda items. While I don't want to go through them all, I do want to highlight five that I think are particularly impactful. Safety professionals always need to be looking ahead at what is coming so we can prepare our employers, update any programs, which includes employee training and certifications that may be required.  1. Lock-Out/Tag-Out Update - Pre-Rule Stage Recent technological advancements that employ computer-based controls of hazardous energy (e.g., mechanical, electrical, pneumatic, chemical, and radiation) conflict with OSHA's existing lock-out/tag-out standard. The use of these computer-based controls has become more prevalent as equipment manufacturers modernize their designs.  Additionally, there are national consensus standards and international standards harmonization that govern the design and use of computer-based controls. This approach of controlling hazardous energy is accepted in other nations, which raises issues of needing to harmonize U.S. standards with those of other countries. The Agency has recently seen an increase in requests for variances for these devices. This RFI will be useful in understanding the strengths and limitations of this new technology, as well as potential hazards to workers. The Agency may also hold a stakeholder meeting and open a public docket to explore the issue. 2. Emergency Response and Preparedness - Pre-Rule Stage OSHA currently regulates aspects of emergency response and preparedness; they promulgated some of these standards decades ago, and none as comprehensive emergency response standards. Consequently, they do not address the full range of hazards or concerns currently facing emergency responders, nor do they reflect significant changes in performance specifications for protective clothing and equipment. The Agency acknowledged that current OSHA standards also do not reflect all the considerable developments in safety and health practices that have already been accepted by the emergency response community and incorporated into industry consensus standards. OSHA is considering updating these standards with information gathered through an RFI and public meetings. 3. Mechanical Power Press Update - Pre-Rule Stage The current OSHA standard on mechanical power presses does not address the use of hydraulic or pneumatic power presses. Additionally, the existing standard is approximately 40 years old and does not address technological changes. OSHA previously published an ANPRM on Mechanical Power Presses (June 2007) in which it identified several options for updating this standard. The Agency would like to update the public record to determine how best to proceed. This project is under Executive Order 13777, which facilitates the review of existing regulations that may be outmoded, ineffective, insufficient, or excessively burdensome, and to modify, streamline, expand, or repeal them. 4. Powered Industrial Trucks - Pre-Rule Stage Powered Industrial Trucks (e.g., fork trucks, tractors, lift trucks, and motorized hand trucks) are ubiquitous in industrial (and many retail) worksites. The Agency's standard still relies upon ANSI standards from 1969. The Industrial Truck Association has been encouraging OSHA to update and expand the OSHA standard to account for the substantial revisions to ANSI standards on powered industrial trucks over the last 45 years. The current standard covers 11 types of vehicles, and there are now 19 types. Also, the standard itself incorporates an out-of-date consensus standard. OSHA will begin the process to develop a proposed rule updating the consensus standard referenced from the 1969 version of the American National Standard B56.1 to the 2016 version. This project is also under Executive Order 13777, which facilitates the review of existing regulations that may be outmoded, ineffective, insufficient, or excessively burdensome, and to modify, streamline, expand, or repeal them. 5. Tree Care Standard - Pre-Rule Stage There is no OSHA standard for tree care operations; the Agency currently applies a patchwork of standards to address the severe hazards in this industry. The tree care industry previously petitioned the Agency for rulemaking. Tree care continues to be a high-hazard industry. Wrapping it all up Again, these are just five of the agenda items to watch. How can you keep up on these proposed changes without sitting in front of your computer at www.reginfo.gov? Well, luckily, there is an app for that - RegInfo. With RegInfo Mobile, you can have information about upcoming federal regulations and forms at your fingertips. The White House Office of Management and Budget (OMB) and the General Services Administration (GSA) partnered to bring you a mobile version of Reginfo.gov, an online look into agency rulemakings that are on the books, planned, or under review by OMB's Office of Information and Regulatory Affairs (OIRA). RegInfo Mobile also provides information about forms and other information collections that OIRA has approved or is currently reviewing under the Paperwork Reduction Act (PRA). With RegInfo Mobile, you have access to all of this information, and more, to the palm of your hand! Some of the app features are as follows: Unified Agenda of Regulatory and Deregulatory Actions and the Regulatory Plan Current and historical information since Fall 1995 edition View detailed information about regulations, including regulation identifier number (RIN) title, abstract, effects on society and completed/planned actions for the next six months Timeline Chart - an interactive visualization of when proposed and final regulations are published, OIRA reviews of regulations, related information collections, and more! Regulatory Reviews View detailed information about OIRA's pending and concluded reviews of significant rulemakings Meetings with the Public Browse the log of past and scheduled public meetings about regulations under OIRA review Information regarding each meeting includes RIN, the title of the regulation, date, participants, and affiliations, and written materials submitted by the public Information Collection Requests under the PRA View detailed information on OIRA's pending and concluded reviews of agency information collection requests (ICRs), including OMB Control Number, expiration date, requested/approved burden on the public, supporting statements, forms, etc. Keyword search that returns results for matching RINs, regulatory reviews and ICRs Subscribe to a RIN and receive notifications when something happens Let me know on LinkedIn if you have used this app at all - be sure to @ mention Blaine J. Hoffmann or The SafetyPro Podcast LinkedIn page. You can also find the podcast on Facebook, Instagram, and Twitter.

In this episode, Lauren Massey joins Mike Maali to discuss next-gen internal auditor profiles and the impact that digital skills and collaboration will have on internal audit transformation. We discuss the following questions: 0:45 - How is the internal auditor skill set changing? 2:50 - What does the next-gen internal auditor career progression look like? 4:53 - How are companies, including PwC, going through the process of upskilling current staff? 8:30 - What are the recruitment aspects of the talent strategy and the changes we are seeing for internal audit?

In this episode, Lauren Massey and Dhiraj Malhotra join Mike Maali to discuss internal audit’s new value proposition and why now is the right time for internal audit to transform.We discuss the following questions:0:56 - Why is now the time for fundamental transformation in internal audit?3:45 - What does internal audit transformation look like?6:18 - How will risk sensing allow us to change the way we think about and assess risk?8:34 - How does this transformation affect the people within the organization?10:11 - What are some key takeaways to consider when getting started with your internal audit transformation?https://www.pwc.com/us/en/services/risk-assurance/podcasts/transform-internal-audit.html

We interviewed two of the leading orthopedic surgeons in the country, Dr. Nikhil Verma and Dr. Jorge Chahla of Midwest Orthopedics at Rush to discuss biologics. Biologics like PRP, stem cells, corticosteroid injections, and hyaluronic acid are all the rage in medicine right now – and for good reason. Instead of having to reconstruct or repair damaged or torn tissues in the body through surgery, what if we could help relieve pain and improve function with a minimal invasion biologic injection? That is the promise of biologic injections. While significantly more research needs to be done to better understand how to best deliver biologics and what patients they may benefit the most, the future is very promising. As physical therapists, we will always be advocates of more conservative measures like physical therapy or biologic injections prior to more invasive options like surgery when warranted to potentially give our patients the upper hand in their rehab.     Dr. Chahla is an orthopedic surgeon specializing in sports medicine at Midwest Orthopaedics at Rush He earned his Ph.D. degree with Summa Cum Laude honors. Dr. Chahla has a strong focus on joint preservation procedures and cartilage restoration techniques with more than 300 publications in prestigious scientific journals, over 30 book chapters, and five edited books. He has received grants from various institutions such as AAOS, OREF, AANA, AOSSM, SANOFI, Colorado University, Cedars Sinai Kerlan Jobe, and The Steadman Clinic.  He has recently received the AAOS Award of Excellence, AOSSM Young Investigator Award, Excellence in Research Award and the Cabaud Award (two times) from the American Orthopaedic Society for Sports Medicine, the 2016 AAOS/OREF/ORS Clinician Scholar Development Program award and six best-paper awards at several meetings. He has presented multiple studies, both nationally and internationally, at various orthopedic meetings. He is a member of the knee collateral ligament expert group from ESSKA, Deputy Chair of the NextGen Committee from ICRS, committee member at AOSSM, ISAKOS, AANA and Infographics Editor for the Arthroscopy Journal. Finally, he is a current Member of the AAOS Clinical Practice Guideline on the       Dr. Verma specializes in the treatment of the shoulder, elbow, and knee with an emphasis on advanced arthroscopic reconstructive techniques of the shoulder, shoulder replacement, knee ligament reconstruction and articular cartilage reconstruction and meniscal transplantation. Dr. Verma maintains an active clinical practice performing over 500 procedures per year. He is Director of the Division of Sports Medicine and Director of the Sports Medicine Fellowship Program. In addition, he serves as a team physician for the Chicago White Sox and Chicago Bulls, and Nazareth Academy. In addition to his clinical practice, Dr. Verma is actively involved in orthopedic research with interests in basic science, biomechanics, and clinical outcomes, and has recently received funding for his work from Major League Baseball. He has authored multiple peer-reviewed manuscripts in major orthopedic and sports medicine journals, numerous book chapters, and routinely serves as teaching faculty for orthopedic courses on advanced surgical techniques. He frequently serves as an invited speaker or guest surgeon for national and international orthopedic sports medicine meetings.  He has been elected by his peers to “Best Doctors in America” every year since 2007. Dr. Nikhil Verma was voted among the top 10-15% of Top Doctors in America® by U.S.News & World Report and Castle Connolly. The Top Doctors list is widely regarded as a high-quality reference guide to the medical profession.      Enjoy!  The Prehab Guys      Guest: Dr. Nikhil Verma and Dr. Jorge Chahla  Instagram: @chicagosportsdoc @nikhilvermamd    Learn more about the Shoulder [P]Rehab Program HERE. Learn more about the Knee [P]Rehab Program HERE. Visit our website: www.theprehabguys.com  Follow us on: Instagram | Facebook | Youtube | Twitter    Connect with The Prehab Guys  info@theprehabguys.com    Leave feedback, let us know what to talk about next. Did you enjoy this? Don't forget to rate, review and subscribe. 

EP008 - ICRS Recap and Industry News http://www.vehicle2.getspiffy.com Episode 8 is a news-focused episode, recorded on April 25th, 2019. We start off with a recap of last week’s International Car Rental Show (ICRS) from Karl Murphy, President and Co-Founder at Spiffy. After talking with Karl, Scot dives into a variety of recent news items, including: Smartcar, who we featured in Episode 3, has accused Otonomo for allegedly stealing from their API documentation. Recent study shows that consumers are ready to make payments via connected car dashboard. Getaround expands outside of US with acquistion of European counterpart Drivy. Ford invests $500 million in EV pickup truck maker Rivian. China is pushing EVs to make up 20% of total auto market by 2025, while the US is expected to hit 7%. Tesla reveals hardware chip for their Full Self-Driving initiative. Uber S-1 discloses $457 million in R&D costs for autonomous vehicles, flying cars, and other “technology programs”. If you enjoyed this episode, please write us a review on iTunes! The four pillars of Vehicle 2.0 are electrification, connectivity, autonomy, and changing ownership models. In the Vehicle 2.0 Podcast, we will look at the future of the auto industry through guest expert interviews, deep dives into specific topics, news coverage, and hot takes with instant analysis on what the latest breaking news means for today and in time to come. This episode was produced and sound engineered by Jackson Balling, and hosted by Scot Wingo.   Transcript: Scot: [00:51] Welcome to the Vehicle 2.0 Podcast. This is Episode 8 and it's being recorded Thursday, April 25th, 2019. Welcome back Vehicle 2.0 listeners this week on the show. We are going to take a break from all the guests we've had on. We've really enjoyed and learned a ton in the last arc of gassed. And we're going to cover some news here in the automobile industry related to Vehicle 2.0 in last week's episode seven, we had Chris Brown from Bob Business Media and he is the editor of auto rental news where they think a lot about the changing ownership models out there. And if you recall, he curates the international car rental show, also known as ICRS. First, uh, to kick off this news episode, we have the co-founder of spiffy our very own Karl Murphy and he's gonna give us a trip report, a fresh off the heels of his trip to Las Vegas last week to the show. Welcome to the show, Karl. Karl: [01:52] Thanks Scot. Scot: [01:53] So you were in Vegas last week at the trade show. It's our first time ever going to this trade show. We were a, uh, we were an exhibitor, um, and uh, you know what? Uh, so it was a great show for spiffy and enjoyed a really exhibiting there. Uh, but that's not what we want to talk about today. What are, I know you were able to peel away and see a bunch of the content. Um, what were some of the trends and topics going on at the show? Karl: [02:16] Sure. So it's, uh, an interesting show. It had a mix of both large companies like Avis and Hertz and Ford and Toyota and small entrepreneurs. You know, companies like spiffy that makes software and entrepreneurs that have small fleets, maybe 10 or 20 cars and they're renting to a, uh, small Mitch. So it was interesting to talk to global companies and small folks. Um, it's uh, like three quarters us attendance and maybe 25% international. So we spoke to people from Brazil and Australia, Canada, a couple of Europeans were there. And so it's, it's interesting to get their perspective. It's, it's interesting, you know, um, their, their challenges are the same year. They all sort of a, from a vendor standpoint talk about the same things and want the same things. Karl: [03:01] Um, it was well attended. It was at the, you know, it was in Vegas at the Paris hotel in a, from a, from a provider's standpoint or vendor stand standpoint, really high quality attendees. It's like the people who showed up at our decision makers, they were running the fleet or they're the CEO or their, you know, sort of at a, at a corporate, you know, if they're smaller company, if it's a corporate level, it's sort of the, the decision maker or sort of one level away. So there wasn't a lot of um, you know, sort of distracting boost traffic, people looking for chotchkies and that sort of stuff. Nobody, nobody cared about our pens and penguins. They cared about our service and um, and sort of the things that we're doing to help fleet operators provide better preventative maintenance. Scot: [03:43] Cool. So, um, uh, so when we had Chris on the show, he talked about a lot of the different trends. Um, it feels to me having come from the ecommerce industry that, that it must feel a lot like a kind of retail shows where everyone, you have kind of the, the, you know, the, the industry stalwarts there kind of a little bit in shell shock and then this whole new group that kind of sees the future. Uh, did you get a vibe that, you know, folks are in denial about what's going on or is everyone kind of onboard with it? Karl: [04:12] Uh, there's like two camps, right? So there's the accepting the changes in the industry and the, and the changes in mobility that are going on and that, that Uber and Lyft exist and those companies are gonna be around for awhile and they impact the rental industry. Uh, clearly, um, the large auto companies see those guys as a threat to people taking, you know, taking their business. Um, there was an enormous amount of, uh, small entrepreneurs and small, you know, I mean it could be 2000 cars. It's sort of a small fleet, um, to, you know, maybe 20 or 30, but small entrepreneurs looking to get into, uh, you know, the changing mobility landscape. So they're either subletting, sub leasing cars to Uber drivers on a, on a short term basis. You know, it could be a day or a week or a month depending on sort of their model. They're software companies, they're providing all kinds of software to solve those problems for entrepreneurs. Karl: [05:06] Um, you know, some of those were companies that didn't make the comp competitive cut against Uber and Lyft and they repackaged and rebranded and now they're trying to help smaller entrepreneurs who are delivering services. Um, and, but there's clearly like there's some definite old school companies trying to solve old school problems. Um, I attended a, um, for like 10 minutes, there was a presentation on the, the um, sales characteristics and recruiting profile of a high performing counter agent, you know, and, and, and essentially, you know, they just want to sell you insurance, right. Um, and get you in, you know, they want to take you from the, the Toyota Tercel to the Tahoe. And then add, you know, double secret, leave the keys in the road, incentives at grid, coordinate insurance. You don't owe us anything. Um, and, and I, I was here for like 10 minutes. I'm like, you know, it's sort of like you who's selling buggies today, you know, like, I need somebody really good to sell buggies. Karl: [06:02] Um, because as a client I don't ever want to have my, my car rental customer experience breaks down when I go see the counter agent. Yeah. It's like the opposite of what the customer experience should be. Yeah. Yeah. It's like, I just want to like get keys and go to the car and drive away. Like you have my Amex and you have my id and my driver's license and I'll give you a retina scan and a fingerprint if you want. I would put a track, I mean, I'm sure you have a tracker on the car already. Right? And there's some of that stuff too. And, and so there's this dichotomy of there's all this connected car data and they talked about being able to shut down cars, you know, because I guess there's some issue where people will, you know, they'll rent in San Antonio and drive to Mexico and strip the car apart. Karl: [06:38] And, you know, you never, you never see the vehicle again. They, that's, that's a problem the industry for them. Um, and I was like, you know, this, this is sort of a wasted, you know, this is a 1970s, um, uh, session versus, you know, sort of impact of micro mobility and, and, and, and there's a lot of opportunity for it. I think. Um, you know, as the previous guests said, you know, there's all this data being shared that cities and governments are looking forward to, to reduce traffic problems. Um, and, and that, you know, I think that's a way for the industry to get on the side of, of government, hey, we got all this data. We can, we can better route traffic or we can charge different fees for different access points and when there's rush out and that sort of thing. Scot: [07:22] Yeah. Um, I saw a fair amount of Twitter traffic around. Um, there's a lot of pundits that come to these shows and kind of share their vision into the future. A Cox auto's has a, an economist there. Uh, it must be nice to have an economist. We don't, we're not big enough. It's 50 to have our own economist yet. Karl: [07:39] That's you, Scot. Scot: [07:40] Yeah, I'm a, I'm a couch economist. The uh, uh, what, what were some of the trends he was talking about and they've certainly been really active in this space. Karl: [07:48] Yeah. So it's interesting. They, they, uh, so at a, at a high level, they thought, um, GDP was like in the high ones, so like one five to, to sorta depending on, um, trade tensions, Paris and that sort of thing, you know, x, some sort of a dramatic positive or negative impact on the economy, you know, terrorist incident or some crazy tax cut or something. He was outside of things we can't forecast. He thought he was sorta like, here's my bets. Like one, eight, one, nine. Um, and then, uh, at the car level, it was interesting. I just don't, I don't really think about this stuff, but he's like, the average cost of a new car is going to tick over $40,000 in the next year or so. I can 2019, maybe 20, 20. Um, and it's, it's being driven by the desire for consumers, for larger cars, SUVs and trucks. Karl: [08:38] Um, and then the dealers just, you know, from a manufacturing standpoint, not making small cars like Fords, like not making sedans minus the Mustang and the mustangs like to get into a Mustang with like, you know, without a radio. It's like 45 grand or something. And so that was interesting. And then dovetails Edo, he talked about some of the trends that we talk about spiffy about millennials and their changing behaviors. And you know, they prefer to live in cities. They prefer to have experiences over owning things like, and in some cases, you know, we have, you know, millennial, you know, you're 17 and you don't have a driver's license. You know, I know you and I talk like that was like the first thing to get your freedom at 16 was to get your driver's license and get out of here, get out of your house. Karl: [09:19] And so, um, it's, uh, all those things swirling together, um, make it difficult for dealers. Right. Um, and, and so it was interesting to see that. Um, he had some interesting data and I know we talked about this offline, about the cost of ownership for like, say a baby boomer versus a millennial and it's like 20 cents a mile higher, right? And so they do it in cost per mile. Uh, and like if you're like 50 or 60, it's like 50 cents a mile to own a car. And for a millennial it's like 75 or 77 cents. And it swirls into, you know, higher insurance rates because you're younger, a higher interest rates because you have less credit history or some smaller incomes. And that you live in an urban environment. So then just things like parking fees and that sort of stuff get higher and you're using your ma, your car less if you do own a picture in an urban environment. Karl: [10:12] So all of those things come in. And then it, it really pulls people out of buying cars new, which makes the used car market bigger, which is relevant to the car rental agencies piss a bunch of them, have a model where they just make money selling their cars on the secondary market. Um, and so there's a lot of discussion about how do you sell cars? Do you sell them direct? Like enterprise has their own used car sales lots so you can drive up and by car from enterprise today. Um, or do you go through auctions, um, traditional auctions that our dealer to dealer, um, which would then put you into like a, you know, a local used car guy, um, or some of the newer platforms where you're like a Carvana where you're selling it, um, online to someone. And so it was, uh, he had, he had a lot of insights about that. Karl: [11:00] He felt like the Oems, we're going to survive. Um, he thought the dealer networks, we're sort of at risk. Um, and he felt like the auctions had to really evolve. Ppas. There's a lot of, a lot of people chipping away at the edges of the traditional auction business. Um, it was interesting. It's interesting to sorta hear the side talk among people depending on who they were. Um, you know, again, we're sort of side participant vendors in that market, but the people were pretty, it was interesting to hear that. Yep. Cool. And then now when we had Chris on the show, one of the big topics he talked about is, so if we have this change in ownership model from individual ownership to more business ownership, uh, and um, you know, who's going to take care of all, all these vehicles, this is obviously near and dear to our heart. Karl: [11:43] Um, so he kind of talked about fleet management as a service. A, is that something that was talked about at the show or were there a lot of vendors there for that? Uh, there were couple of vendors. I mean there's us and a, and a couple others. Um, it was absolutely a topic of people that visited us. I would say 75, 80% of the people who came to talk to us, we're looking to do that. Again, it's, it's primarily the new players to the market because the business sounds interesting until you own cars and they're split up all over. You know, I've got, I'm a distributed, you know, mobility network provider in Los Angeles. I own 200 cars in there into 10 lots across La. Oh Wow. I have a lot of things to do all over, uh, you know, an 18 million person city. And so they're looking for people to go out there and deal with the cars. Karl: [12:31] I mean, one of the things that was interesting, we've, we saw a, um, a digital, um, key exchange system, right? So it's highly secure, sort of designed to be in, in the most dangerous of locations and, and really, you know, to, to withstand sort of vandalism, that sort of thing. You know, you can show a bar code and it, it's, it's a gps or a cell phone enabled. And so it communicates it. And that was super interesting and they were across the, across the way from us in the trade show area and had, they had a lot of traffic and then people coming to us asking, you know, can you know, what are the services you can do? And, and when they talk, when we, you know, we said, hey, we do, you know, fleet fleet maintenance, we can do preventative maintenance, oil change, tire rotation, um, car washing, all that sort of stuff. Karl: [13:17] They, they got pretty excited about it because they're seeing that that's a problem, right? Because as soon as you start moving the vehicles, then they get dirty and the more successful you are, the more maintenance you need and all those sorts of things. So it was, it was, um, it was an exciting validation of our model. Yeah. Um, so there seems to be this lifecycle where people kind of start dabbling with, um, you know, I've, I've even seen people, they'll Turo, they're their own vehicle. Then they'll, they'll realize there's money to be made. Then they'll add a second and then they'll build into these micro fleets and then they're gonna need a fleet services and those kinds of things. Um, a lot of the investors I talk to you, they kind of like build models and they say the economics will never work. But then at the same time, I see these guys scaling up from tens to hundreds to thousands of vehicles. Karl: [13:59] So, um, do you get any vibe that this model is working for these guys here? We spoke to someone who own 2000 cars in Metro New York and, you know, and they were not like enterprise, right? They were like, you know, it was like Scott and Karl, but they're in New York. And um, you know, I asked them a little bit about what, you know, you know, we had a good conversation. You know, I was obviously interested in talking about their business and how we can help them. We had a little bit of a conversation about their business model and they were pretty cagey about it. But I mean, I, I find it hard to believe you can get the 2000 cars before, you know, you don't figure out the econ economics don't work. You know, it's like, yeah, I could see you could have 20 cars and you could sort of fun that to a point where like, yeah, something must be working to be able to afford 2000 guards. Yeah. It's probably a utilization thing out. Imagine. And they, um, and they must have figured out like, uh, you also kind of start to wonder like, how do they go and acquire all these drivers? And so Scot: [14:52] they almost have to have a marketing, you know, how do they get their utilization up? It'll be a nurse in to, to, to understand how that works as this scales up. Karl: [14:59] Yeah. I v V this particular guy was providing cars to the two major, you know, Uber and Lyft. Right? Yeah. And so I think he has some sort of relationship with them where they're feeding them leads. He didn't seem like he had a big marketing push or problem. He had, he had maintenance and operations problems, um, where the, the law, the list of their problems for the most part. Scot: [15:20] Cool. Awesome. Any other last thoughts about the show? Karl: [15:23] No, it was interesting. I mean there was a whole session on connected car, um, which is cool. Um, they talked about connected car and autonomy and I think they generally felt like, uh, you know, autonomy sort of like five years out plus in connected cars, been here for five years and the, the, the communication and the marketing firm, everybody sorta was disconnected. Um, the rental car agencies think about connected cars. How can we sell more stuff to people renting our cars because of the data we have on them. That was like, hey, that was the major focus of the, of an hour long session. Um, I as a, as a car or rent or on a traveler, I didn't really know what I wanted them to sell me. Like if I want to go to a restaurant, I'm going to use Google or Yelp or open table or something. Karl: [16:12] And so I sort of felt like they were trying to duplicate things that exist already. Um, you know, there was some sort of compliance sort of legal stuff. Like, you know, you said you were going to leave the state and then you laughed. But they have those trackers now and I don't know what news from that, you know, they can sorta tell those things before. A lot of connected car stuff. So uh, but it was interesting they were talking about it. It was very, it was very, you know, current model centric, not sort of new model centric. And then they also did talk about sharing data. You know, I guess as business people you always sort of like, you know, run up against the government and everyone sort of like hair on the back or the neck stands up on end when the government shows up. Um, but they were all fairly positive about sharing data with government entities to to improve traffic flow and, and to generally, you know, be a, be a positive player in the transportation communities that they, that they operate in, which is sort of pretty interesting. I know here in Raleigh we have more traffic problems that we had 10 years ago and I'm looking forward to, you know, all that data, making it better personally. Scot: [17:11] Yeah. Awesome. Well thanks for that trip report and thanks for being on the podcast. Karl: [17:14] Thanks Scot. Scot: [17:33] So that's all the news from ICRS. Now let's look at some of the news from around the industry, uh, from other sources. As a reminder here on the Vehicle 2.0 Podcast, we look at the Vehicle 2.0 framework and that's where we look at the four waves of innovation sweeping through the auto industry conductivity, changing ownership models, electrification and autonomy in news, uh, on connectivity. There's been this really interesting public kind of spat between, uh, one of our guests on the show, smart car. Uh, they have a competitor called Otonomo and this erupted into the press has reported a actually this week in tech crunch, uh, these guys are battling out. It looks like there's, um, some, uh, potential copying going on or some kind of intellectual property battle between these two companies. They both provide API for autonomous are, sorry, excuse me, for connectivity in cars and they are definitely battling it out in public. Scot: [18:32] If your interested in that we'll put a link in the show notes. Um, there was an interesting study published a here in the last week or so, uh, where they asked 3000 adults, uh, about various things around vehicles. Uh, and this is from Kantar a half the consumers said they would be a, you know, very likely or extremely likely to use their car as a way of pain. Um, so imagine, you know, we, we are in the touchless payment world and ecommerce now where you can just tap your phone to an NFC chip and pay for things. What if your car had payment credentials and as you drove through, uh, you know, it seems like a likely scenario would be drive throughs if you drove through a drive through your, your vehicle kind of talked to the drive through and authenticated payment. Um, uh, so, uh, that's an interesting use of connected car for payments that we haven't really seen. Scot: [19:21] But it sounds like consumers are eager to try it out. Moving on to changing ownership models. Uh, the big news there is tech crunch reported yesterday that one of the top, uh, person to person ride sharing companies get around, uh, acquired one of their larger competitors in Europe called Drivy. Uh, so, uh, that was a $300 million acquisition with which is obviously pretty substantial. Uh, get around, has raised 400 million. So it's not clear if they just used all that on this acquisition or if this was funded through some debt or, or maybe even some, maybe that's an equity value. Um, and so get around was valued at 600 million, uh, before the acquisition. So this is surely going to get them close to the Unicorn level, which is the billion dollar evaluation. Um, one of the most active large investors in this overall space is Softbank. Uh, and they are one of the investors in and get around, uh, the investors in Drivy are index ventures and cafe innovation. Scot: [20:25] That's a, a pair of spaced, a investor out there. So a, the companies or the CEO's going to stay on and, and effectively run the European business. So now you kind of have this, this first look at a global, a car sharing company on the P to p side. So can be interesting to watch to see how that scales up. Tens of electrification news. Uh, we don't have time to go into all of it. Um, I thought the most interesting things we saw this week, uh, we have Ford invested 500 million, so Ford's very active also in mobility and they announced a $500 million investment in the electric pickup maker. Ravion. Uh, so ravion has a really cool, uh, electric pickup and this investment, uh, looks like it's going to have multi-facets so they're going to work on, um, some new technology for essentially using the rubion platform for a new Ford vehicle. Scot: [21:19] At the same time for it said that we're going to continue with their own internal development, um, which, uh, they specifically called out a plugin version of the Ford, the very popular Ford F-150 pickup. Um, I'm excited about this because, uh, you know, the service industry is where a lot of these trucks essentially go trucks and vans. And, uh, here it's 50. We would love to use a evs instead of a internal combustion engine vehicles. So it's gonna be great to see if we can kind of start to get more of the commercial vehicles electrified, uh, in this partnership. Certainly signals that that's on the way. One of the areas I watch really closely for electric vehicle news is China. Um, so, uh, they, they had kind of their annual report out. Um, the for last year, the, there's more triple the manufacturers of evs registered in China now and passenger vehicles sales, uh, for electric vehicles are going to exceed 1.6 million units this year. Scot: [22:17] And in 2019. Um, so, uh, so this huge kind of a bubble is forming there. Some people are calling it a bubble. Uh, you know, uh, there's a lot of negative connotations around bubbles, but I, I, you know, I think what we do see is the government of China is very supportive of the consumers are buying these. Uh, and the other interesting data point is, uh, that evs make up 4%, but they're on a track to get to 20% very quickly by 2025. Um, and so that's going to be like 7 million units. When you, when you talk about China, everything's multiplied almost by a factor of 10 from the u s so, so a lot going on there and it's going to be interesting to watch. Uh, one of the consequences of the excitement around electric vehicles in China is sales of traditional cars are really plunging, um, and they've been down substantially for the 10th straight month in a row from March. Scot: [23:11] Um, so the economy's slowing, they're a little bit due to trade tensions, uh, so that's causing it. But then, uh, electric vehicles are definitely a surging past the, the normal vehicles. Um, uh, back here in the U S if we look at 2018, um, the number of registrations for electric vehicles doubled in 2018. So that's good news here in the u s uh, so that's, there was 208,000 new electric vehicles registered. Um, and that was more than double those sold in 2017. Uh, another couple of fun facts. Uh, you can't, uh, whenever go out to California, um, you can't kind of drive around without seeing 20 or 30 Tesla's on the road. Uh, so California did account for about 50% or 95,000 of those. Uh, and then, uh, all this data's provided by one of the data trackers in the vehicle space called IHS Markit. They took this data and they projected it forward and they're showing over 350,000 new electric vehicles will be sold in the US in 2020. Scot: [24:14] Uh, and then, um, that's 2%, but then they do show it getting to 7%, which is kind of actually where, uh, we s we talked about China around the same timeframe, uh, by 2025. So, so just to recap, by 2025, uh, the pundits are projecting that we'll get to seven to 10% of new cars will be electric in both us and China. Now the, uh, the most exciting area of Vehicle 2.0, that, that you, you find the most news is, uh, autonomy. Uh, and this was a really big week for autonomy. So, uh, Monday Tesla had a full day, um, uh, kind of call it autonomy day where they talked about all the work that's going on in autonomy. And if you're remotely interested in this topic, I I strongly recommend watching it. Um, Elon Musk was there for most of it. He had his top engineers talking about a lot of the topics we talk about on this show. Scot: [25:08] If you don't have time. Some of the highlights for me, um, there's this really interesting debate and we've talked about it on the show before, but Tesla went really deep on their, their religion around this one. Uh, and it's the whole, you know, cameras versus Lidar. Um, so the current Tesla implementation, uh, uses four to six cameras. Uh, and their argument is that, you know, humans have two eyes, which are essentially cameras and they're able to plot a three d world without having to see use radar. Um, and then they talk about a lot of the negatives of radar, uh, which is the radar used for autonomy is lidar. Um, so that was really interesting. And then of course the, the Lidar folks came out and kind of said, you know, no, here's why you're wrong. So it's really interesting. It's going to be kind of a race to see who wins this. Scot: [25:54] And to me it's the most fascinating part of autonomy right now. His camera versus Lidar and who's going to, will there be a winner? Will they both coexist in this? Could be really interesting to watch that. Um, they spent a lot of time talking about, you know, how do you get this to a five nines reliability because we're dealing with humans and safety. Um, and one of the, one of the things they throw out there is based on their data, they believe their autopilot, which is their level to a implementation is seven times safer than human drivers. Um, so when they, you know, they're able to look at the data because Tesla has so much data, it's pretty fascinating. And they said that, uh, you know, I'm sure they're looking at crashes, incidents that, uh, you know, you're seven times safer using the just where they are today versus a human driver. Scot: [26:41] Um, when you, another statement made, and I haven't seen this refuted, is that when you look at all the autonomous vehicle data out there being generated, they have over 90% of it because they have such a large fleet compared to a lot of the smaller trials from the way Mo's and the cruises and the other other folks out there tackling this Uber. Um, so, so that's interesting. And then, you know, their, their argument is because these neural nets and machine learning systems are datadriven, whoever gets the most data of kind of gets to five nines first. So it's gonna be interesting to see if, if that, that bears out as well. Another thing they announced is by next year, and this is a, an Zealand thing, so you always have to take this with a grain of salt. He's usually off, usually nails these things, uh, in the prediction. Scot: [27:25] But the timing is usually off. So he said by next year they, they could in theory have, you know, uh, thousands of Robo taxis out there. Um, now one of the interesting metrics there is when they look at this Robo taxi, so a full autonomous taxi and their vision is as a Tesla owner, you can kind of check your car in and out of this fleet. Uh, and then there'll be a consumer APP for, for summoning a Robo Tesla. Um, the interesting stat is if you look at a human driven mile, so that's either you driving your car or ride share like an Uber, Lyft, you're looking at a total cost of ownership between two and $3 per mile, and they're projecting that the Tesla Robo taxis will get as low as 18 cents per mile. Um, so then when you, when you start to get that low, it does really start to change the car ownership model. Scot: [28:12] Um, you know, today you can certainly do enough nef if you do enough ride sharing your unit up upside down pretty quickly. But imagine if that was only 18 cents a mile. That really kind of is pretty compelling. Um, another stat he put out there as if you are a Tesla owner, you could make up to 30,000 a year just by putting your car into the, the Robo taxi fleet. Um, and then, so that was all really interesting around autonomy at the macro level. And then they went super micro, uh, and they announced that they have abandoned, uh, commercially available chipsets and they've developed their own custom chip, uh, for, for autonomy. Um, and you know, a lot of lot of, uh, excitement around this saying it's by far the, they're way ahead of everybody. They even started talking about the next generation is going to be three times better. Scot: [29:02] Um, and you know, because they're relying on vision, there's a lot of compute this having to happen in the vehicle to, to essentially do what the human brain is doing of creating a three d world from, from looking at images and comparing them. So they've moved a lot of that into hardware with this advanced chipsets. So that's, if you're really Super Geeky, um, there's tons of data out there and some really good articles. Uh, we'll link to some of the highlights in the show notes. Also in autonomy. One of the big players is General Motors and they have a division called cruise. Um, and they, uh, made some announcements on the 20th of April, uh, about, uh, some interesting things there. So first of all, they announced a partnership with Google. Um, and this is where, uh, one of the really interesting things with these autonomy companies is, uh, how they run the simulations. Scot: [29:49] So, uh, they talked about, uh, you know, the, they're up 25 x in simulation miles from, from the same time a year ago. Uh, and they've created a there in the world of video gaming. There's this engine called unreal that a lot of the video games are built on. So they actually create a real world version of the world in unreal, um, that they're driving these vehicles through based on all that lidar data. And they internally call it the matrix. So, so movie fans will, will enjoy that reference there. Um, so, so that was interesting. Um, and then all of these guys are really kind of starting to share data around, um, you know, how, how is their autonomous fleet working? Um, so one of the things that's interesting is, uh, they throw a little shade and talked about how they have 0.19 disengagements per thousand miles. Uh, and that's better than most of the other folks out there. Scot: [30:42] Um, uh, Waymo is a little bit better at 0.09. So what's happening is all these folks are running these simulations and trying to predict, you know, get, get better and better so that humans don't have to get involved in the autonomous driving today. Um, Tesla back over to Tesla, Tesla talked to, they had some really cool demos of what they call shadow mood. So they can, you know, they can actually, um, on a vehicle, they can put, uh, two versions of the software, the real mood and a shadow mode, and they can watch and say, all right, if we, we, we've seen this, this ab problem out there, let's say, um, when they talked about as, as people drifting into your lane. So they can actually, uh, you know, have a shadow version of the software on out on the fleet and watch for drifts and predict, you know, simulate in the vehicle what would have happened with both the real version. Scot: [31:36] Well they know what happened with the real version and then the shadow version and then learn from that without actually having to have the fleet have, you know, maybe more risky software. So it's really interesting things. Uh, when this, when, when, when your vehicle is largely software, uh, it kind of is mind blowing that you can be running effectively, you know, that, you know, who says they couldn't rent 10 versions of the simulation? They're on the vehicle. And it is interesting to think about all these simulated miles that are being driven as we speak. Um, it's a really great time to be an autonomy because, uh, we have the lift a IPO is done and now Uber is working on their IPO. So part of that process is you reveal this S-1, which is a document about everything that your company has been working on. Scot: [32:20] Uh, one of the more intriguing areas of the Uber S-1 was around their autonomous vehicle efforts and they also have a flying car effort. Um, so, uh, they're spending over 500 million a year in r and D in these kinds of technology programs, uh, for the future of vehicles. Uh, that's obviously pretty hefty. Um, and to, uh, a lot of folks when they first read this one, we're really concerned about that. Um, so, so kind of on the heels of that S-1 being revealed, Uber announced that they are going to effectively get a independent funding for that, that division. Um, it's not clear to me if it's an a complete spin off or what, uh, I think Uber will still large own, own kind of like 15 to 20% of it, but it's largely going to be funded by outside vendors, not the public markets, the investors. Scot: [33:09] There are Toyota, Denso, which is a parts maker, and the Softbank Fund that we've talked about already, and that Avi Division was given a $7 billion valuation through that investment. So, um, so Uber a is working with, you know, public and private funding to find the right balance of investment in, in these future vehicles. Um, the last thing on autonomy, uh, and this was a quick one. Uh, you know, they're the, the other big player is Google's alphabet division, which is called Waymo. Um, they announced a, a fleet of factory in Detroit. So, uh, they are going to, uh, create 400 jobs in Detroit over the next couple of years. And what the way Waymo works is they're not actually building their own vehicle. They're retrofitting existing vehicles. Um, so part of the plan, uh, here is by 2020, 20, 22, excuse me, they're going to have 62,000 Pacificas in 20,000 Jaguars outfitted with their self driving lidar based autonomy system, uh, and that'll get them cranked up to over a million trips per day. Scot: [34:18] Um, so it's going to be so, so we're, we're seeing all these efforts to really ramp up billions of dollars being invested in autonomy, uh, lidar versus cameras. So it's a really exciting time to be following this race out there. And we will continue to report, uh, what's going on and will continue to have guests on the show to help shed light on all these different topics and, uh, these kind of different technologies and, and thinking about who is going to win and who's going to lose or will we have multiple winners. And with that, we're out of time and we appreciate you listening. If you enjoyed today's show, be sure to head over to your favorite podcast listening app, uh, and give us five stars. Thanks for joining us and we'll be back next week.

What is the current state of scientific evidence and research recommendations on the health effects of cannabis and cannabinoids? This podcast delves into the topic with Donald Abrams, MD, one of the world's leading clinical researchers on medical cannabis, and Mikhail Kogan, MD, Assistant Professor of Medicine and Associate Director of the Integrative Geriatric Fellowship, the George Washington University School of Medicine and Health Sciences. An Integrative Oncologist at the University of California San Francisco Osher Center for Integrative Medicine, Dr. Abrams has conducted a number of studies on medical cannabis that were sponsored by the National Institute on Drug Abuse and other private and federal agencies. He is a member of the committee that authored the 2017 National Academies of Sciences, Engineering, and Medicine report, The Health Effects of Cannabis and Cannabinoids: The Current State of Evidence and Recommendations for Research. The report is one of the most comprehensive studies of research on the health effects of recreational and therapeutic cannabis use. It offers a rigorous review of scientific research published since 1999 about the health impacts of cannabis and cannabis-derived products – ranging from therapeutic effects to risks for certain cancers, diseases, mental health disorders, and injuries. ◘ Related Content 2017 National Academy of Sciences report on "The Health Effects of Cannabis and Cannabinoids: The Current State of Evidence and Recommendations for Research." http://bit.ly/2H0DnJa The International Cannabinoid Research Society, (ICRS), is a source for impartial information on cannabis and the cannabinoids that provides an open forum for researchers to meet and discuss their research. http://icrs.co/ ◘ Transcript https://www.linkedin.com/pulse/transcript-science-health-effects-medical-cannabis-gw-office-of/?published=t ◘ This podcast features the song “Follow Your Dreams” (http://freemusicarchive.org/music/Scott_Holmes/Corporate__Motivational_Music/Follow_your_Dreams_1918) by Scott Holmes, available under a Creative Commons Attribution-Noncommercial (https://creativecommons.org/licenses/by-nc/4.0/) license. ◘ Disclaimer: The content and information shared in GW Integrative Medicine is for educational purposes only and should not be taken as medical advice. The views and opinions expressed in GW Integrative Medicine represent the opinions of the host(s) and their guest(s). For medical advice, diagnosis, and/or treatment, please consult a medical professional.

Back in 2013 I had the pleasure of sitting down with Sue Badeau at ICRS 2013 and talking about her book Are We There Yet?: Adopting and Raising 22 Kids!. In the interview we discuss Sue and Hector's amazing journey of parenthood and the many blessings and challenges that come with grafting foster children and special needs children into your family. We also discuss some of the ways the church can support and encourage the families in their congregation who have a calling to foster care and adoption.  This episode is pulled from the Author Talks with Shaun Tabatt archives. About the Book:  “Come along with Hector and Sue Badeau on their ultimate road trip – adopting and raising 22 children, from diverse backgrounds with many special needs. Like any road trip, their story has twists and turns, detours and surprises. You'll be inspired, laugh out loud and shed tears as you share their experiences in foster care and adoption, coping with teenage pregnancies, addictions, unimaginable accomplishments and raw moments of grief after the untimely deaths of three beloved sons. “Are We There Yet” is an entertaining story which also imparts nuggets of parenting wisdom for any parent or grandparent. It is packed with spiritual truths and life lessons for teachers, social workers, pastors and others who care about vulnerable children and families in our world today. About the Author:  Susan Badeau (Sue) writes and speaks extensively on topics related to children, particularly those with special needs and is a frequent and passionate keynote speaker and workshop leader at state, regional and national conferences. Sue and her husband, Hector, are the lifetime parents of twenty-two children, two by birth and twenty adopted (three, with terminal illnesses, are now deceased). They have also served as foster parents for more than 50 children in three states, and as a host family for refugee youth from Sudan, Kosovo and Guatemala. Connect with Sue: SueBadeau.com Facebook Twitter (@SueBadeau) LinkedIn Pinterest For additional show notes, visit ShaunTabatt.com/195.

YouTube video here! Topics Include: --"Sequencing DNA" --"Marijuana in Professional Sports" --"Individualized Medicine" --"Intelligent Property" --"How to Sustain a Music Career" About the Guests: - Kevin McKernan is currently the CSO of Courtagen Life Sciences, Inc. Prior to joining Courtagen, Kevin was the founder and CEO of Medicinal Genomics Corporation. Medicinal Genomics made world-wide news in 2011 when it publically released the first genome sequence for Cannabis Sativa L. As a result of this work, Medicinal Genomics (MGC) launched a suite of qPCR tools for the detection of microbial contamination on Cannabis. In 2015, MGC is the largest provider of microbiological testing equipment in the cannabis space and has been selected to present on its genome sequencing, cannabis sex determination and microbiome work at ICRS 2014 and 2015. - Justin Colletti is a mastering engineer, and the author of hundreds of articles on the art, science and business of music and sound. He acts as managing editor and content producer for SonicScoop, and has contributed to outlets including Tape Op, The Deli Magazine, Trust Me I’m a Scientist, and many more. Previous appearance here. If you like this content, please send a tip with BTC to: 1444meJi7YjgQGNg3U8Z6qYZFA5cgz4Gmj More Info:TatianaMoroz.comCryptoMediaHub.comVaultoro.com JustinColletti.com Courtagen.com sonicscoop.com Friends and Sponsors of the Show:TheBitcoinCPA.comCryptoCompare.com FreeRoss.orgThirdKey.SolutionsSovrynTech.com SexAndScienceHour.com

This episode is from an interview with genome scientist Kevin McKernan from Episode #73, August 2015. Enjoy! Episode #73: Distributed Consensus on Cannabis Genetics On today’s show I interview Kevin McKernan the Chief Scientist at Medicinal Genomics and Courtagen Lifesciences. Kevin talks to us about everything from the Human genome project gone bad to free market regulations and testing in the Cannabis field. We discuss families moving to Colorado to help their children get relief from epileptic seizures, the opiate crisis in America and how Bitcoin blockchain technology is helping us move toward personalized medicine and away from the dangers inherent in one size fits all herd medicine. Could this be a bright moment in pharmaceutical history? Let’s hope so. CREDITS & VALUABLE LINKS: Sequencing of Australian Bastard (A potentially novel cannabis species discussed in the ICRS talk) To Learn more about Kannapedia http://www.medicinalgenomics.com/kannapedia/ Kannapedia credits Christian Saucier David MacFadzean Medicinal Genomics Team To learn more about Cannabis Microbiomes and the ICRS (International Cannabinoid Research Society) http://www.medicinalgenomics.com/product-literature/ John Goodmans Book: Priceless http://www.independent.org/store/book.asp?id=99 PDUFA Act https://en.wikipedia.org/wiki/Prescription_Drug_User_Fee_Act FDAReview.com at the Independent Institute http://www.fdareview.org Courtagen Life Sciences http://www.courtagen.com Variants associated with Chronic Pain http://www.ncbi.nlm.nih.gov/pubmed/26022780 Videos about Genetic testing in Chronic Pain https://www.youtube.com/watch?v=qSAfRM24kvs http://youtu.be/RoH-ujJPRMk Methods to weaken Gene Patents http://www.nature.com/nbt/journal/v31/n10/full/nbt.2703.html Two papers that highlight how whole plant therapies are inherently better and different than single molecule drugs from the FDA. BCP is the most common terpene in Cannabis and it tickles the Cannabinoid 2 receptor like Cannabidiol (CBD). http://www.sciencedirect.com/science/article/pii/S0306452214007210 cbdresearchinstitute.com/app/download/7452625/Whole+Plant+vs.+Epid... http://www.ncbi.nlm.nih.gov/pmc/articles/PMC3165946/pdf/bph0163-1344.pdf I spend a lot of time on the Medicinal Genomics Facebook page https://www.facebook.com/FreeCBD For Memorial Day, our Team etched something into the blockchain that will never be forgotten. This is Kannapedia at its most nascent alpha state. The QR-Codes are links to websites that contain the sequencing data and the proof of existence SHA-256 hash digest of the sequencing file. An editorial wiki can be built around this for community commenting and support and anyone can redraw the phylogenetic tree as they see fit from the open source data. The blockchain transaction however is immutable. http://kannapedia.info/v/wiki/fa170fbf/Kannapedia

On today’s show I interview Kevin McKernan the Chief Scientist at Medicinal Genomics and Courtagen Lifesciences. Kevin talks to us about everything from the Human genome project gone bad to free market regulations and testing in the Cannabis field, families moving to Colorado to help their children get relief from epileptic seizures, the opiate crisis in America and how Bitcoin blockchain technology is helping us move toward personalized medicine and away from the dangers inherent in one size fits all herd medicine. Could this be a bright moment in pharmaceutical history? These Professional transcriptions are provided each week by one of our fans who can be found at: http://diaryofafreelancetranscriptionist.com CREDITS & VALUABLE LINKS: Image: Sequencing of Australian Bastard (A potentially novel cannabis species discussed in the ICRS talk) To Learn more about Kannapedia http://www.medicinalgenomics.com/kannapedia/ Kannapedia credits Christian Saucier David MacFadzean Medicinal Genomics Team To learn more about Cannabis Microbiomes and the ICRS (International Cannabinoid Research Society) http://www.medicinalgenomics.com/product-literature/ John Goodmans Book: Priceless http://www.independent.org/store/book.asp?id=99 PDUFA Act https://en.wikipedia.org/wiki/Prescription_Drug_User_Fee_Act FDAReview.com at the Independent Institute http://www.fdareview.org Courtagen Life Sciences http://www.courtagen.com Variants associated with Chronic Pain http://www.ncbi.nlm.nih.gov/pubmed/26022780 Videos about Genetic testing in Chronic Pain https://www.youtube.com/watch?v=qSAfRM24kvs http://youtu.be/RoH-ujJPRMk Methods to weaken Gene Patents http://www.nature.com/nbt/journal/v31/n10/full/nbt.2703.html Two papers that highlight how whole plant therapies are inherently better and different than single molecule drugs from the FDA. BCP is the most common terpene in Cannabis and it tickles the Cannabinoid 2 receptor like Cannabidiol (CBD). http://www.sciencedirect.com/science/article/pii/S0306452214007210 cbdresearchinstitute.com/app/download/7452625/Whole+Plant+vs.+Epid... http://www.ncbi.nlm.nih.gov/pmc/articles/PMC3165946/pdf/bph0163-1344.pdf I spend a lot of time on the Medicinal Genomics Facebook page https://www.facebook.com/FreeCBD For Memorial Day, our Team etched something into the blockchain that will never be forgotten. This is Kannapedia at its most nascent alpha state. The QR-Codes are links to websites that contain the sequencing data and the proof of existence SHA-256 hash digest of the sequencing file. An editorial wiki can be built around this for community commenting and support and anyone can redraw the phylogenetic tree as they see fit from the open source data. The blockchain transaction however is immutable. http://kannapedia.info/v/wiki/fa170fbf/Kannapedia Ode To Satoshi Ode to Satoshi lyrics & melody by John Barrett Copyright 2014 RJM Publishing - BMI Nashville. Questions or Comments? Email me to say Howdy!: howdy@bitcoinsandgravy.com Visit theWebsite: BitcoinsAndGravy.com Bitcoins and Gravy Tipping Addresses: Bitcoin: 14RbXduu2sXKNHtKtRVAx8xQyGAubjY1dA Litecoin: LgqYgxLTBPgr8C1JGLLJVLK4ZN1fveprAp And if you don’t feel like contacting me, just kick back, relax and enjoy the show. I hope you enjoy listening to my guests as much as I enjoy talking with them!

Michael Nawrocki visits today's Midwatch. Michael Nawrocki (born July 8, 1966) is an American voice actor, writer, animator and director. He is the co-founder (along with Phil Vischer) and Executive Vice President of Big Idea Entertainment, the company best known for bringing computer-animated vegetables to life in the popular VeggieTales series. Nawrocki is a voice actor who performs several of the VeggieTales characters, including Larry the Cucumber. His work as writer and director includes directing most of the "Silly Songs with Larry" segments, along with several of the VeggieTales episodes, and developing the 3-2-1 Penguins! series. He directed The Pirates Who Don't Do Anything: A VeggieTales Movie. Midwatch With The Rev Thousands have tuned in to listen to one of the most entertaining and extremely funny Christian talk show hosts on the air. Midwatch interviews Christian authors, artists, movie producers, indie film makers, ministers and just about anyone with a story of faith. The show is built around discussing faith and building encouragement to our listeners. Broadcasting primarily online through our servers to the world and across the USA on RevMedia Network. Midwatch has reached over 3.5 million listeners over the past 3 years. Join us for a show full of faith, humor, special guests, truth, entertainment and encouragement.

Dr. David Allen, a retired cardiac surgeon and member of the International Cannabinoid Research Society, ICRS. He is a cannabinoid research scientist, speaking about the discovery of the endocannabinoid system, the ECS, and the significance and how it will change medicine. He and his team discovered the endocannabinoid system about 30 years ago, and they really didn't understand the significance of its discovery. They found out that this is a chemical communication that your body has. Dr. Allen explains the effects cannabinoids have your body and why it is important for medical reasons.