Podcasts about Indirect

There's just over one week until Climate Week NYC begins Sept. 21, and we're diving into what to expect from the conference in a volatile year for climate action in the US.   The week includes more than 900 events across the city hosted by a range of organizations — including The Nest Climate Campus, where the All Things Sustainable podcast will again be an official media partner. Register free to attend here.    In today's episode, we're talking with Britton Jones, Founder and CEO of The Nest Climate Campus. He discusses topics that will be in focus during Climate Week NYC and how the climate landscape has evolved this year.  "There's a real emphasis on substance coming into Climate Week 2025,” Britton says.  Launched in 2009, Climate Week NYC convenes business leaders at the same time that government leaders and NGOs are in New York City for UN General Assembly meetings. This means many decisionmakers from the public and private sectors are in town at a key moment, just two months before the UN's annual Climate Change Conference of the Parties, known as COP. This year, COP30 will take place in Brazil Nov. 10-21.  You can learn more about the event S&P Global will host at Climate Week NYC on Wednesday, Sept. 24, here: Climate Week NYC | S&P Global  Check out cohost Lindsey Hall's appearance on the Look Forward podcast from S&P Global: Look Forward | Episode 8: Confronting Climate Challenges | S&P Global  And listen to our interview with the CEO of two major investor networks in Asia-Pacific representing trillions of dollars of assets under management globally — the Asia Investor Group on Climate Change (AIGCC) and the Investor Group on Climate Change (IGCC): CEO of major Asia-Pacific investor networks: ‘Climate risk is investment risk' | S&P Global  This piece was published by S&P Global Sustainable1 and not by S&P Global Ratings, which is a separately managed division of S&P Global.     Copyright ©2025 by S&P Global    DISCLAIMER    By accessing this Podcast, I acknowledge that S&P GLOBAL makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in this Podcast. The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk.    Any unauthorized use, facilitation or encouragement of a third party's unauthorized use (including without limitation copy, distribution, transmission or modification, use as part of generative artificial intelligence or for training any artificial intelligence models) of this Podcast or any related information is not permitted without S&P Global's prior consent subject to appropriate licensing and shall be deemed an infringement, violation, breach or contravention of the rights of S&P Global or any applicable third-party (including any copyright, trademark, patent, rights of privacy or publicity or any other proprietary rights).   This Podcast should not be considered professional advice. Unless specifically stated otherwise, S&P GLOBAL does not endorse, approve, recommend, or certify any information, product, process, service, or organization presented or mentioned in this Podcast, and information from this Podcast should not be referenced in any way to imply such approval or endorsement. The third party materials or content of any third party site referenced in this Podcast do not necessarily reflect the opinions, standards or policies of S&P GLOBAL.   S&P GLOBAL assumes no responsibility or liability for the accuracy or completeness of the content contained in third party materials or on third party sites referenced in this Podcast or the compliance with applicable laws of such materials and/or links referenced herein. Moreover, S&P GLOBAL makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties.       S&P GLOBAL EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.  

My guest today is Sean Black, CEO of Happy Belly Food Group (CSE: HBFG | OTCQB: HBFGF). Happy Belly is a Canadian consolidator of emerging Quick Serve Restaurant (QSR) brands, with expansion plans into the U.S. The company started as Plantingco, a niche plant-based CPG business, but under Sean's leadership pivoted to become food agnostic—focused on scalable, cash flow positive QSR concepts. The model is straightforward: acquire small, profitable, debt-free brands, grow corporate stores with free cash flow, and scale through franchising. The portfolio is intentionally diversified with no duplication—think Rosie's Burgers as a Shake Shack equivalent, IQ Foods as Canada's Sweet Green, and Pyro as a Cava-style concept. I spoke with Sean to learn more about the company, as well as: The pivot from Plantingco to QSR consolidation M&A model and brand strategy Growth targets and the $100 million milestone Risks, alignment, and long-term vision For more information about Happy Belly Food Group, please visit: https://happybellyfg.com/ This podcast was recorded and is being made available by SNN, Inc. (together with its affiliates and its and their employees, “SNN”) solely for informational purposes. SNN is not providing or undertaking to provide any financial, economic, legal, accounting, tax, or other advice in or by virtue of this podcast. The information, statements, comments, views, and opinions provided in this podcast are general in nature, and such information, statements, comments, views, and opinions, and the viewing of/listening to this podcast are not intended to be and should not be construed as the provision of investment advice by SNN. The information, statements, comments, views, and opinions expressed in this podcast do not constitute and should not be construed as an offer to buy or sell any securities or to make or consider any investment or other course of action. The information, statements, comments, views, and opinions expressed in this podcast (including by guest speakers who are not officers, employees, or agents of SNN) are not necessarily those of SNN and may not be current. Reference to any specific third-party entity, product, service, materials, or content does not constitute an endorsement or recommendation by the SNN. SNN assumes no responsibility or liability for the accuracy or completeness of the content contained in third party materials or on third party sites referenced in this podcast or the compliance with applicable laws of such materials and/or links referenced herein. The views expressed by guest speakers are their own and their appearance on this podcast does not imply an endorsement of them or any entity they represent. SNN does not make any representation or warranty as to the accuracy or completeness of any of the information, statements, comments, views, or opinions contained in this podcast, which may include forward-looking statements where actual results may differ materially. SNN does not undertake any obligation whatsoever to provide any form of update, amendment, change, or correction to any of the information, statements, comments, views or opinions set forth in this podcast. SNN EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST. By accessing this podcast, the listener acknowledges that the entire contents and design of this podcast, are the property of SNN, or used by SNN with permission, and are protected under U.S. and international copyright and trademark laws. Except as otherwise provided herein, users of this podcast may save and use information contained in the podcast only for personal or other non-commercial educational purposes. No other use, including without limitation, reproduction, retransmission, or editing of this podcast may be made without the prior written consent of SNN.

Sam and Adrian are joined on Episode 37 by Amie Engerbretson, a Tahoe local who shares her non-traditional path to becoming a professional skier. One could say being a skier is in Amie's blood, or you could argue that the career found her, but nonetheless, Amie has been a staple in magazine's and movies for more than a decade. Amie was born and raised in Tahoe, and as the daughter of a professional skier, she was surrounded by the industry from the very start. As Amie grew up, she pursued dance and ballet, and went off to college to study film. But the mountains called her back and before she knew it she was on magazine covers and in ski films. - Amie talks about a film she directed, and starred in, a couple years back. The Hypocrite highlights the intersection between her work as a professional skier and her advocacy work with Protect Our Winters. - With more than a dozen trips to ski in South America in the late summer, Amie shares some of her experiences, and the realities of skiing in the Southern Hemisphere. - Amie shares all that she pursue's to make the professional skiing life work, from training insights to her work in activism and her recent foray into film production. You can learn more about Amie on her website www.amieski.com, and follow her on Instagram @amieski. Follow our podcast on Instagram @duffelshufflepodcast where you can learn more about us and our guests. Visit our website at www.duffelshufflepodcast.com and join our mailing list. The Duffel Shuffle Podcast is supported by Alpenglow Expeditions, an internationally renowned mountain guide service based in Lake Tahoe, California. Visit www.alpenglowexpeditions.com or follow @alpenglowexpeditions on Instagram to learn more.

Would you mind checking out this English lesson? Maybe you could try using some of the phrase here in your conversations this week? Do you think you could even tell a friend about this podcast? That would be great!In everyday conversation, we often like to soften our requests — we make them indirect. It feels more polite, more friendly, and honestly, it just sounds more natural.So today, I want to show you some of these indirect phrases that we use all the time. Join my Podcast Learner's Study Group here: https://learn.myhappyenglish.com/plsgVisit my website for over 3,000 free English lessons: https://www.myhappyenglish.com/My AI English Tutor is HERE

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In this episode of the All Things Sustainable podcast we're talking with Rebecca Mikula-Wright, CEO of the Asia Investor Group on Climate Change (AIGCC) and the Investor Group on Climate Change (IGCC). The networks represent trillions of dollars of assets under management globally. AIGCC is a network of institutional investors in Asia focused on mitigating climate risks and seizing net-zero opportunities. Its parent organization is IGCC, a network for Australian and New Zealand investors to understand and respond to the risks and opportunities of climate change.   Rebecca explains how members across both networks are evolving their approaches to climate, nature and the energy transition.   "We do see this continued support for the transition because investors have done the work. They've been assessing their portfolios. They understand that climate risk is investment risk,” she tells us.  Rebecca discusses how mandatory climate disclosure in markets like Australia and New Zealand are changing the landscape. And she talks about the importance of policy and regulation, which she calls the “biggest game-changer” when it comes to increasing the pace of decarbonization.   The All Things Sustainable podcast from S&P Global will be an official media partner of The Nest Climate Campus during Climate Week NYC. Register free to attend here.   Read a report S&P Global Sustainable1 coauthored with GIC on Integrating climate adaptation into physical risk models: https://www.spglobal.com/sustainable1/en/insights/blogs/integrating-climate-adaptation-into-physical-risk-models   This piece was published by S&P Global Sustainable1 and not by S&P Global Ratings, which is a separately managed division of S&P Global.     Copyright ©2025 by S&P Global   DISCLAIMER   By accessing this Podcast, I acknowledge that S&P GLOBAL makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in this Podcast. The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk.   Any unauthorized use, facilitation or encouragement of a third party's unauthorized use (including without limitation copy, distribution, transmission or modification, use as part of generative artificial intelligence or for training any artificial intelligence models) of this Podcast or any related information is not permitted without S&P Global's prior consent subject to appropriate licensing and shall be deemed an infringement, violation, breach or contravention of the rights of S&P Global or any applicable third-party (including any copyright, trademark, patent, rights of privacy or publicity or any other proprietary rights).   This Podcast should not be considered professional advice. Unless specifically stated otherwise, S&P GLOBAL does not endorse, approve, recommend, or certify any information, product, process, service, or organization presented or mentioned in this Podcast, and information from this Podcast should not be referenced in any way to imply such approval or endorsement. The third party materials or content of any third party site referenced in this Podcast do not necessarily reflect the opinions, standards or policies of S&P GLOBAL.   S&P GLOBAL assumes no responsibility or liability for the accuracy or completeness of the content contained in third party materials or on third party sites referenced in this Podcast or the compliance with applicable laws of such materials and/or links referenced herein. Moreover, S&P GLOBAL makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties.       S&P GLOBAL EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST. 

※再放送です。　現在は「いやさが好」という番組を配信しています。今回は2021.6.16に配信されたニンテンドーダイレクトについて間接的に語っています。ゲスト：ピチカートミルクさんケンタロスさんみなさんからのお便りをお待ちしております。メールアドレスはiyasaga.pc@gmail.com までツイッターハッシュタグは#いやさがを付けて投稿してください。※強は付けないようお願いします。※アプリでお聞きの方へいやさが強ブログに取り上げたコンテンツの紹介もあります。ぜひ見てみて..

※再放送です。　現在は「いやさが好」という番組を配信しています。今回は2021.6.16に配信されたニンテンドーダイレクトについて間接的に語っています。ゲスト：ピチカートミルクさんケンタロスさんみなさんからのお便りをお待ちしております。メールアドレスはiyasaga.pc@gmail.com までツイッターハッシュタグは#いやさがを付けて投稿してください。※強は付けないようお願いします。※アプリでお聞きの方へいやさが強ブログに取り上げたコンテンツの紹介もあります。ぜひ見てみて..

My links:My Ko-fi: https://ko-fi.com/rhetoricrevolutionSend me a voice message!: https://podcasters.spotify.com/pod/show/liam-connerlyTikTok: ⁠https://www.tiktok.com/@mrconnerly?is_from_webapp=1&sender_device=pc⁠Email: ⁠rhetoricrevolution@gmail.com⁠Instagram: https://www.instagram.com/connerlyliam/Podcast | Latin in Layman's - A Rhetoric Revolution https://open.spotify.com/show/0EjiYFx1K4lwfykjf5jApM?si=b871da6367d74d92YouTube: https://www.youtube.com/@MrConnerly

Welcome to the latest episode in the Terra Carta Series of the All Things Sustainable podcast, a collaboration with the Sustainable Markets Initiative (SMI). Throughout 2025, we'll be interviewing SMI member CEOs from around the world and across industries about how they're approaching sustainability challenges and opportunities.   Today we're speaking with Octopus Energy CEO Greg Jackson. Octopus Energy was founded in the UK in 2016 and has grown into a global clean energy tech business. Greg explains how the company is using technology and AI to lower the cost of decarbonization for consumers.   “When you introduce really agile digital technology into a rapidly changing world, we find we can make the energy transition an upgrade — it's better and cheaper for people, not a sacrifice,” Greg says.   About the SMI and Terra Carta Podcast Series: The SMI is a network of over 250 global CEOs across finance and industry. It facilitates private sector diplomacy with the ambition of making sustainability the driving force of global markets and value creation. S&P Global is a proud SMI member.    Listen to previous episodes in the Terra Carta Series here: Terra Carta Series | S&P Global  Learn about energy transition data and services from S&P Global Commodity Insights here.  The All Things Sustainable podcast from S&P Global will be an official media partner of The Nest Climate Campus during Climate Week NYC. Register free to attend here.  This piece was published by S&P Global Sustainable1 and not by S&P Global Ratings, which is a separately managed division of S&P Global.    Copyright ©2025 by S&P Global  DISCLAIMER  By accessing this Podcast, I acknowledge that S&P GLOBAL makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in this Podcast. The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk.  Any unauthorized use, facilitation or encouragement of a third party's unauthorized use (including without limitation copy, distribution, transmission or modification, use as part of generative artificial intelligence or for training any artificial intelligence models) of this Podcast or any related information is not permitted without S&P Global's prior consent subject to appropriate licensing and shall be deemed an infringement, violation, breach or contravention of the rights of S&P Global or any applicable third-party (including any copyright, trademark, patent, rights of privacy or publicity or any other proprietary rights).  This Podcast should not be considered professional advice. Unless specifically stated otherwise, S&P GLOBAL does not endorse, approve, recommend, or certify any information, product, process, service, or organization presented or mentioned in this Podcast, and information from this Podcast should not be referenced in any way to imply such approval or endorsement. The third party materials or content of any third party site referenced in this Podcast do not necessarily reflect the opinions, standards or policies of S&P GLOBAL.  S&P GLOBAL assumes no responsibility or liability for the accuracy or completeness of the content contained in third party materials or on third party sites referenced in this Podcast or the compliance with applicable laws of such materials and/or links referenced herein. Moreover, S&P GLOBAL makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties.      S&P GLOBAL EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST. 

BOSSes, Anne Ganguzza is joined by Tom Dheere to tackle a topic many voice actors fear most: marketing. In this episode, they break down the essential difference between direct marketing (you go to them) and indirect marketing (they come to you). The hosts discuss how to make both strategies work for you, offering a powerful, actionable roadmap for building a sustainable voiceover business. 00:01 - Anne (Host) Hey boss listeners. Are you ready to turn your voiceover career goals into achievements? With my personalized coaching and demo production, I'm here to help you reach new milestones. You know you're already part of a boss community that strives for the very best. Let's elevate that. Your success is my next project. Find out more at anneganguzza.com.  00:25 - Speaker 2 (Announcement) It's time to take your business to the next level, the boss level. These are the premier business owner strategies and successes being utilized by the industry's top talent today. Rock your business like a boss a VO boss. Now let's welcome your host, Anne Ganguzza.  00:44 - Anne (Host) Hey everyone, welcome to the VO Boss podcast and the Real Boss series. I'm your host, Anne Ganguzza, and I'm here with Mr Tom Dheere. Hello, hello, hello, the Real Boss, Tom Dheere.  00:56 - Tom (Guest) Hi, I'm seeing the light ring in my glasses. I'm going to change. I want to change these.  01:01 - Anne (Host) Wait, I thought you said I'm seeing the light.  01:03 - Tom (Guest) I'm seeing the light. Well, yeah, no, but the light was seeing me and my glasses, so I'm switching over. I have, like different pairs of glasses for where I'm at.  01:11 - Anne (Host) No, really. So like these are better. I hear that. I hear that Yours are part of a marketing strategy.  01:18 - Tom (Guest) Mine are purely because my eyeballs are decomposing. I can hear them.  01:22 - Anne (Host) But me too, though, I need them as well, and I figure I might as well make them part of a marketing strategy. And speaking of marketing, yes. Great segue, isn't it? I think it's one of the most feared things for any voice actor is to actually think and do marketing, and so it's a great topic to talk about, because, I mean, we could talk like multiple podcasts about it, but let's talk about marketing Indirect marketing, direct marketing. They're both important.  01:49 - Tom (Guest) Yes, absolutely.  01:50 - Anne (Host) Let's distinguish the difference.  01:52 - Tom (Guest) Right, and this is the thing that when most people come into the voiceover industry, they think and their instinct is correct, so I need to market myself. What does that mean? For most people, it's slamming into social media sideways and talking about what they had for breakfast, or it most often means cold calls and cold emails. Now, you can clearly lump all of that stuff together into marketing, but there's a lot more to it. It's a lot more nuanced than that.  02:18 - Anne (Host) You say the word cold calls and I think people go cold. I know they do. They're like oh no cold calls now.  02:25 - Tom (Guest) So the way I talk about it is that there is direct marketing and then there is indirect marketing, also known as active marketing or passive marketing. So direct or active marketing is when you are seeking out specific potential clients and you are basically grabbing them by the lapels and saying, hey, you give me money to say stuff out loud.  02:48 - Anne (Host) Here I am. Hello, this is me.  02:50 - Tom (Guest) Hello, right Now that's a cold call, that is a cold email. There's also follow-up emails and getting your seven touches.  02:57 - Anne (Host) And that's direct, because it's direct contact with a potential client.  03:01 - Tom (Guest) Exactly. And then there is indirect marketing, which is where you're kind of like doing your thing over here in hopes that people or robots will notice you Right and come to you Right. So, for example, working on search engine optimization on your website, that's a form of indirect marketing or passive marketing, because if somebody's searching for you, hopefully your website or your content will rank higher on Google, bing, yahoo and they'll be like, hey, who's this person? And then they reach out to you Right.  03:30 - Anne (Host) Or they're seeing you on social media.  03:32 - Tom (Guest) Social media, exactly, is another perfect example of indirect marketing. So that's where you're kind of like demonstrating your value, your progress, your humanity as a voice actor and a person, in hopes that it will get voice seekers' attention and be engaged with your content and hopefully you'll stay top of mind for future projects.  03:50 - Anne (Host) An easy I would say an easy way of thinking about it is direct marketing. You go to them In direct marketing. They're coming to you.  03:58 - Tom (Guest) Exactly. Yeah, that's exactly right.  04:00 - Anne (Host) I think, equally terrifying for voice actors yes, yes, I think that it's great that we made the distinction now between the two.  04:09 - Speaker 2 (Announcement) And.  04:09 - Anne (Host) I think the one that really causes people probably the most terror is the direct marketing part of it, because they have to reach out to someone who is a complete stranger to them and that we are a complete stranger to them and they're a complete stranger to us. And so direct marketing, I think, requires, I think, a little more knowledge, so it makes it a little less scary.  04:29 - Tom (Guest) I think so too.  04:36 - Anne (Host) That's the way I see it, and what I try to explain to a lot of my students who talk about marketing and their fear of marketing is, of course, all the indirect methods, which they're probably much more apt to do, because they can create a blog, they can go on social media, they can create a video, they can do things like that, and that to them, I think, is more of a concrete path than oh my God, I got to go find someone. Who do I reach out to, what do I say and how does that work? And so I think the first distinction that I want to make with direct marketing is to make it less terrifying. Is that I want to make with direct marketing is to make it less terrifying is just an understanding that people have needs. How many times can I bring up the Chanel lipstick, right?  05:09 - Speaker 2 (Announcement) How many times it's a great example.  05:10 - Anne (Host) I just keep going back to it where here's the Chanel lipstick. It is part of my brand and I want to work with this company, chanel, and so ultimately, they don't know who I am. I mean, I kind of know who they are, but I don't know exactly who I should contact. And so when does Chanel have a need for voiceover? Right, when they have a campaign, right when they have a campaign and when maybe they have a voiceover and they want to replace that voice, and so it's very much based on need and when they need voiceover, a voiceover.  05:41 It's not that. Oh, I'm going to reach out and I never heard back and therefore that's a bad lead or it didn't work or I'm done. I failed. You cannot think that, guys, because it's all on a timely basis, so when I need a new lipstick, I'm not constantly searching for a new lipstick, but when I need one, then if an email comes my way or a social media ad comes my way talking about a new shade of red, I'll be like, oh, I need that, let me look into it.  06:10 And that's the same thing that, as a voice actor, you need to understand about direct marketing.  06:14 - Tom (Guest) Right, put it another way. And what are the client's pain points? How can you cure what ails them? How can you solve their problems? So I'm going to take your Chanel lipstick example and I'm going to continue it. So let's put it in voiceover terms Chanel wants to advertise that lipstick. So they want to make advertisements of some sort. It could be print, it could be digital, it could be TV, radio streaming or whatever. Right, chanel?  06:42 - Anne (Host) Look to me, Chanel. I talk about you all the time. I'm just saying In my podcast Please make Anne a compensated endorser for your lovely products.  06:51 - Tom (Guest) So Chanel usually would have to hire a marketing agency or an ad firm or something like that to come up with whatever. The concept would be. Okay, well, this is Chanel, it's this type of lipstick, we're targeting this type of audience, or they?  07:04 have it in-house or they have it in-house and they'll say, okay, well, our demographic is women of this particular age range.  07:19 Okay, so we need to make sure that the content and context of the advertisement is making sure that we're targeting that particular demographic.  07:22 It needs to appeal to them on a visual or an auditory level or some other combination of that. Maybe we need to get an influencer in here or a celebrity or something like that, but we still need a voice actor to do whatever the radio or streaming or TV is. So they come up with a concept, they write the script. Now they need to get a production company to turn this script into reality and then the production company now this is where they have choices. They can go to a casting director and a casting director and the casting director can then reach out to agents and managers to find the voice actors. They can post that casting notice on a casting site like a Voice 123 or a VO Planet or a Badalgo, or they can have their own roster of voice actors that every time a casting notice comes up, they go through their own list of voice actors. That every time a casting notice comes up, they go through their own list of voice actors and then send the casting notices out to the appropriate voice actors to collect auditions right.  08:12 - Anne (Host) Before you continue, I'm going to intercept and say all right, let's talk about how often do they need this right? That is something that is the big unknown right. How often are they needing a new campaign? And that is something that I think is the most ambiguous, maybe, to the voice actor, because we don't know we don't work for the company, we don't know how often they need these new ads. So what I don't want people to expect, and I think what a lot of people do expect, is like well, I reached out to them and they don't want me. Well, they don't have a need for you Yet. Yeah, and I don't think it's appropriate to think that any one company needs a voice actor 24-7.  08:48 - Tom (Guest) Unless you're Joseph Riano.  08:50 - Anne (Host) But that's a different genre, right. That's promo, that's a different genre, that's promo and that's actually a network right.  08:55 - Speaker 2 (Announcement) Right.  08:55 - Anne (Host) That, yeah, you're required to do these ads because things change all the time. Chanel lipstick how often are they coming up with new colors? How often are they coming up with new colors? There's seasons, right? How often are they coming up with new lipsticks? Right? That is not necessarily a daily. Companies don't come out with new products every single day, so therefore they may not have a need. So please keep that in mind, guys, because I think a lot of people get discouraged when they don't hear back. Marketing is the long haul. It's a marathon, not a sprint.  09:21 - Tom (Guest) Yeah, getting auditions from your agents and managers and getting auditions from online casting sites. Those are short term. There's an audition right now. You audition for it right now Because they've had a need Right. Using direct and indirect marketing strategies is a long-term investment in developing relationships with clients Big distinction. A lot of people argue oh, agents are better than this and this is better than that, and none of that is true.  09:46 All of it's extremely subjective, based on the genres of voiceover that you want to do and the marketing methods and comfort level that you have with technology and interpersonal stuff. Like some people will be like I'll make cold calls all day. I love doing it. And some people are like I'm terrified of talking to people. I will only post stuff on social media and I will only talk about in a very narrow way and all of that is fine. But to Anne's point. Well, first off, we're thinking about them a lot more than they're thinking about us.  10:13 - Anne (Host) Oh my God, yes, amen, amen. That is so very true, because we want to be hired by them.  10:19 - Tom (Guest) Right, of course, and to Anne's point, they don't need any voiceover for a product or service or brand at this moment in time, and when they do, it may not necessarily be you and a lot of the times they don't have any control over the product or service or brand and what the demands there are from the end client or the ad agency or the marketing firm or the campaign that dictates the quality and quantity of the demographics of the voice actors that they're needed for that particular campaign. Right, and with a campaign that dictates the quality and quantity of the demographics of the voice actors that they're needed for that particular campaign.  10:48 - Anne (Host) Right, and with a campaign, typically they want to have, like in any kind of a brand, consistency right. Typically, if there's a product and you're the voice of that product or that brand, it typically is something that will be recurring for a certain amount of time. It's not like today's ad is going to feature my voice and tomorrow it's going to feature somebody else's voice. They want to work in a little bit of consistency for that brand and that includes the voice. So understand that they're not having a need for a new voice actor every single time they're airing the ad or putting it out there on social media. That may be.  11:19 You are a voice for a campaign which runs for a certain length of time, which is why we base our rates especially when it's broadcast right on where it's being played and for how long Because we are a voice for that particular time, for that particular campaign. Now, if they want to extend that right, they will pay to extend that or they'll find a new voice if they're looking for that.  11:42 - Tom (Guest) Right, we love the rebuys where you narrate something and it's good for a certain period. I got that phone call two weeks ago. I did a social media ad and for a six month term, and they literally called me on the phone. They're like, hey, they want to do it again, bill us, yeah, and I just build them. And they're like, oh, and we have two more spots. That's the wonderful part.  11:59 - Anne (Host) But the thing is is like for that particular brand, right Voice actors. If you're going to reach out to that same company and say, hey, I'm a voice actor, hire me. Well, they've got Tom right For reasons within the campaign. If his voice is working and that's what they want, they're going to continue to have Tom. So don't take it personally, don't beat Tom up.  12:19 - Tom (Guest) Tom is like sorry not sorry, Sorry, not sorry Sorry not sorry, sorry, not sorry.  12:22 - Anne (Host) I think we just have sometimes a very narrow view of what it's like on the other side of the glass and to have that need and that desire to create a campaign with a voice, and so you have to be understanding of the way it works.  12:34 - Tom (Guest) Yeah, another point on that is that late last year a voice actor posted on Facebook an infographic that I want to say it was. An explainer video producer posted an infographic. They tracked the amount of hours that it takes to produce an explainer video, which obviously includes concept writing, storyboard, budget, legal department, music and all of that stuff, and the amount, the percentage that involved the voice actor, was 1.5%. Yeah, 1.5%. So often we as voice actors are an afterthought.  13:06 - Anne (Host) Yeah, we're the last part of the journey there.  13:08 - Tom (Guest) Yeah, and sometimes I'll just ask around the office, or their niece, who's a musical theater major, and they just give it to them and that's it.  13:15 - Anne (Host) But yes, obviously casting notices are posted everywhere all the time and it's so funny because I mean, when I'm doing oh, it's funny because I'm dabbling a little bit in fashion and when I'm creating videos, I mean my main thing is that I'm talking about the brand or I'm showcasing the brand, but a lot of times the videos don't even require the voice. Unless I'm directly talking about the brand, I can put music behind it. And it's funny because in my process of creating the video right for, let say, the brands that I'm working for the last thing I put in is the voice. It's the last thing I do, unless I'm doing a direct-to-camera like hey guys, this is an amazing product. Then it all happens together, right, and then the video editing happens and my voice is already there talking about it.  13:57 But a lot of times I'm not necessarily, or I'm doing a voiceover after the fact, and so, yeah, we become like the last part of the project, and so that's something to also be aware of. It's not that we're not important, we're very important, but you have to understand where in the chain of events that it happens. That's why people, when they cast, they want to cast typically like quickly, right, they want to find that voice and just put it into the video that's already been done, and then music and sound effects, because, again, like Tom you mentioned, we're typically the last part.  14:31 - Tom (Guest) Yeah, and from what I've noticed in my casting notices over the past decade or so is that the turnaround time for casting is usually about 48 hours, and then from the recording of it is probably another 48 hours. Sometimes it's even quicker than that. So usually that means if this project took six weeks or two months or whatever that means at most not. I'm not saying a week is spent on the voiceover, it's just that everything that needs to happen regarding the voiceover is probably a handful of hours within one week, and then that's it.  15:04 So the point is, bosses, is that if you are engaging in direct marketing strategies, like cold calls or emails, and you're doing your follow-up emails and reaching out on social media, like directly in sending the messages and stuff like that you have to manage your expectations. I was reading a study that since 2014, the return on cold calls and emails has dropped by 10% every year for the past 10 years. And guess what? 10% times 10 years equals 100%. So it doesn't mean they're not effective at all anymore. But now the expectation of them actually getting your email or answering your phone call and responding positively is between 1% and 3%. It is a very, very small percentage, which means also this is a numbers game.  15:49 - Anne (Host) Yeah, absolutely Absolutely, but it's not impossible.  15:52 - Tom (Guest) No, it's not impossible. You want to be smart about it.  15:55 - Anne (Host) Yeah, what I'm always telling people because I have a Boss Blast product and I know you also do a lot of educational courses on direct marketing. It's something that you need to understand. It's definitely a marathon, not a sprint, kind of a game, and the good thing about it is that once you do connect and once you're in front of the eyes of someone who has the power to hire you and award you the gig, typically you want to stay top of mind, and that's when you're talking about marketing. Staying top of mind is always a good thing. You're talking about marketing. Staying top of mind is always a good thing. That's when they'll call you and say, hey, we want to extend this for another 13 weeks or we want to extend this again. So once you hook them, hopefully you keep them, and that's where the challenge is.  16:36 You know auditions. You know there's a need already. You audition and they cast because they're at that stage in the project where that's what they need. Right, they need that voice. But when you're direct marketing and you're reaching out, they may not have that need right away. They might think about you and say, oh okay, I like that voice. I don't have a need for her right now, but maybe let me put her to the side and let's when another campaign comes up that I think she's good for and I get that all the time when I'm on a few different rosters They'll contact me directly and say, hey look, I think you'd be a perfect voice for this campaign. Can you send me an audition? And typically, boom, that's good because it's a cold lead that turned into a warm lead and that is nice because I didn't have to really do much effort because I'm on his radar.  17:18 So when you're direct marketing, tom, the other important thing to understand is not only how it works right and understand and the expectations. It is how do you know who to contact right? And how do you contact them without being spammed? Because, guess what? We all get spam every single day. I get phone calls still that I don't pick up the phone. I get emails that are scammers, that are just junk email I don't even bother to look at. I see the subject line and I'm like nope, so I'm not going to be spamming. In today's world where it is getting increasingly hard. How do you do it right? That's the question, that's the golden question, right? How do you do it? How do you get their attention?  17:55 - Tom (Guest) Well, I've learned a couple of just some just brief bullet pointy bits of advice is be concise, be brief, be professional, but be you as much as you can If you have a very formal subject line or a very prim and proper paragraph. Hi, my name is this, I do this, I do that, I can do this, and every sentence starts with the word I Delete Immediate turn off.  18:21 - Anne (Host) It's about how you can help the company.  18:23 - Tom (Guest) Yes, it's how you can bring value to their company. It's not about you Solve their pain point. Exactly, solve the pain point. What can you do for them? But don't make it I, I, I Make it about. You need this, you need this. Your problem is this your problem can be solved with my services as a voice actor, but at the same time, be you as much as you can be you, be as personable as you can. Funny goes a long way and showing that you know about them.  18:54 - Anne (Host) Yes, because it becomes like these are two strangers meeting in the night, right? So what makes that meeting more agreeable? Well, if I have done my homework, it's kind of like God the olden days, tom, when I used to go on interviews for like corporate jobs. Right, you wouldn't go into a corporate interview for a job and not know anything about the company that you're applying to.  19:15 Right, I mean that was the biggest no-no was no. You've got to understand what does the company make, what are the products that it makes and what is it that is attracting you to this company? So if you can offer some insight into their company and why it is that you feel it would be a beneficial partnership, then definitely reaching out with how you can solve their pain point and showing that you're interested in them and not just like I, I, I and I'm a great voice actor and listen to my talent. It's not about you at all. It's about how you can help them right to sell their product or to sell their brand.  19:48 - Tom (Guest) Yeah, your job is a problem solver. Yeah, don't treat them like a cash register and your email is a crowbar.  19:54 - Anne (Host) Oh, I like that, that visual.  19:57 - Tom (Guest) You know he's kind of like give me the money to say the things have you said that before?  20:00 - Anne (Host) Did you just grab that from there? That was great.  20:02 - Tom (Guest) I've said it in various permutations of that over the years. But yeah, yeah, I've also said we try to treat voice seekers like ATMs. Yeah, because we only see them as these machines that can give us money. Yeah, absolutely. These are people that have their own needs and challenges.  20:17 They are human beings that have their own struggles creative, logistical, financial, cultural struggles. And if voiceover is 1.5% of their thought processes in any given project, 5% of their thought processes in any given project, you want that 1.5% to be maybe the easiest and most entertaining, 1.5% to make everything a little bit easier.  20:38 - Anne (Host) Don't give them homework. That's what I always say. Don't give them homework, Don't make them try to research you. Don't give them homework. Just be there to let them know that you can help them and that you have a genuine interest in their company, in their product, in wanting to serve them and to help them, to make their jobs easier. Really, I think that's the point, and anybody that's worked in the corporate world knows that they want their job to be easier. They're working for someone, typically, and they have a lot on their plate. They don't want to be bogged down by, oh my God, a big, lengthy email that is going on and on and on and self-serving.  21:14 I know that when I get emails and I like to talk a lot. I think that's the problem, Tom. As voice actors, we like to talk right, and sometimes that transcribes right into our emails. I used to write these emails that were like paragraphs, paragraphs. Nobody has time for that and I would love to write paragraphs of an email and I would spend so much time.  21:32 I remember when I broke down what I did in my corporate job. I spent the majority of my time writing customer service emails and they were long emails and the funny thing is, I would get offended if people three quarters of the way down, if I put an important fact and then somebody wrote me back and then asked me a question about that fact, I'd be like how could you not have read that email? I spent so much time on it Because people don't have the capacity right to read a big, long, horribly boring email and also you are encroaching upon their time. I get so many emails a day, Tom, we've talked about this before. I have like a million some odd unread emails in my Gmail on purpose, because I want to see the marketing. I want to see the marketing that people are doing, and you just have to understand that you're taking up a part of their day, and so I think you need to like, deserve that.  22:18 And you need to prove that you're worthy of that 1.5% of their time. And so that means, if they don't want to hear from you again, if you've presented yourself in a way where they don't have a need for you, or maybe you I don't know, maybe you're all self-serving and they're like I don't need this they need to have a way to not get those emails from you ever, ever again. So there are legal ramifications of you reaching out to somebody unsolicited, typically in any direct marketing. That is the next thing that I want to bring up.  22:46 Tom, in any direct marketing you have to have permission to send an email. And if you don't necessarily have direct permission, you have to offer them a way to opt out of the emails that you send to them. And that includes, when you send that cold email, something at the bottom that says if you would like to unsubscribe to these emails, give them a way to opt out of that. And you also must provide and this is just good business measure you have to provide legally an address of your company on your emails. So when you send those emails out, you have to give them a way to opt out of the emails and you have to give them your business address.  23:23 - Tom (Guest) Absolutely, because you don't want the internet to give you the ban. Hammer if you're sending out hundreds or thousands of these emails at the same time. Manhammer if you're sending out hundreds or thousands of these emails at the same time. So I've heard recently that the era of spray and pray is over, but it's not just for all the marketing value pain points provide value stuff, but it's also because of the internet, as we as a people has just had it with all of these spammy carbon copy templaty desperate has just had it with all of these spammy carbon copy templaty. Desperate, aggressive, obnoxious, self-aggrandizing emails that we're getting over and over again, because we can't tell what's real and what's fake anymore when the phone rings or when an email comes in or when we see a social media post. So people are cracking down and being like we have no tolerance for this. I would rather send less emails that have more value than more emails that have more value than more emails that have value, and hope for the occasional hit.  24:13 - Anne (Host) And again, if you are sending out mass emails and that's a whole nother thing with direct marketing, not many people have the provision to send out thousands of emails at one time because most, unless you're paying for that service, which I do for the boss blast I pay for that service. I am able to send out lots of emails at a time. It's done through a server which doesn't do it all at once. And also the people that I'm sending it to have already opted in to me, marketing to them, and still, at the very least, I have to put. Here's a way to opt out and here's my business address and they only allow from my domain, the, and they only allow from my domain, the VO Boss domain. So anybody that buys a Boss Blast, you are actually getting a list that has already opted in to be marketed to and they have all the legal rights to opt out if they want.  24:58 Most people don't, because they've opted in for a reason, but it's something that I would say most voice actors can't afford because you typically pay by the contact. So my server, which is ActiveCampaign, I pay by the contact, so contact. So my server, which is ActiveCampaign, I pay by the contact. So I have a few hundred thousand contacts that I pay for in order to be able to send emails out to that, and that's not something necessarily that every voice actor has the budget to do, which is why I offered the Boss Blast.  25:22 And this isn't all just about the Boss Blast, but it's anytime you're talking about doing direct mail, quality over quantity unless you have the provision to send out quantity, which is something that I pay thousands of dollars for, and I also make sure I got all the legal ramifications for people to opt out if they need to. But you need to do the same thing on a smaller scale, and direct marketing, I feel, is one of the methods of marketing that needs to be implemented so that in combination with indirect marketing. And you've got to do it. Gosh Tom, how much percentage of your time would you say? I would say 80%, if not a little bit more when things are lean.  25:58 - Tom (Guest) Yeah, when things are slow I immediately go to market, absolutely. But when things are busy, I have learned also to keep doing my marketing. So there, aren't as many slow periods.  26:09 So, yes, direct marketing can and should be part of a balanced breakfast. That is, every voice actor. If you can get quality representation audition through your agents and managers, if you understand how to feed the algorithms of online casting sites, use them to keep the flow of auditions coming in. Direct marketing with thoughtful, value-driven emails. Indirect marketing with thoughtful, value-driven emails. Indirect marketing with thoughtful value-driven blog posts, blog entries and social media posts. You should be doing, ideally, some combination of all of these as often as you can to maximize your opportunities to get the voiceover auditions that you desire.  26:47 - Anne (Host) And always be cultivating your next client, even if you're super busy. I think that's the most important thing that I've learned over the many years that I've been in the business here is always be cultivating your next client, because your clients, even if you've had them for years and years and years, they're never guaranteed. And the best in the business will say the same. So good conversation, Tom. I think we could talk about marketing in 500 more episodes.  27:10 But I think this is a great start guys to understand that it is a necessary evil and it's not scary. It's really not scary. You need to embrace the challenge that is marketing and, again, I like to look at everything as a challenge. That's what gives me joy in my business and also one of the reasons why I did create the VL Boss Blast was because I didn't have a ton of time to do the indirect marketing, although I do that a lot too. So everybody needs a balanced breakfast of both indirect and direct marketing. And, tom, thank you again for always being such a golden nugget of wisdom in my podcast.  27:42 - Tom (Guest) Thank you, I love it.  27:44 - Anne (Host) I'm going to give a great big shout out to our sponsor, ipdtl. Yes, you too can be a boss, a real boss and find out more at IPDTLcom. You guys have an amazing week and we'll see you next time. Bye.  27:59 - Speaker 2 (Announcement) Join us next week for another edition of VO Boss with your host, Anne Ganguzza, and take your business to the next level. Sign up for our mailing list at vobosscom and receive exclusive content, industry revolutionizing tips and strategies and new ways to rock your business like a boss. Redistribution with permission. Coast to coast connectivity via IPDTL.   

In this episode of the All Things Sustainable podcast, we're talking to Helge Muenkel, Group Chief Sustainability Officer at Singapore's biggest bank, DBS.  The interview is the latest installment in our CSO Insights series, where we hear from Chief Sustainability Officers around the world about how they're navigating the evolving sustainability landscape.  "Big picture on climate action very specifically, the train has really left the station," Helge says of the bank's large corporate clients. "More and more customers are really seeing the transformation that is happening in our economies as a business imperative and are embracing it."  Helge explains how DBS integrates environmental and social factors into its sustainability strategy. He says climate financing continues to present big financing risks and opportunities, and points to an increasing focus on scaling blended finance.  Helge tells us that nature is also becoming an increasing focus for the bank — which echoes what we've heard from other sustainability leaders at Southeast Asian financial institutions in recent episodes. Listen to our interview with big Singapore-based bank UOB here: CSO Insights: How sustainability pullback is playing out in Southeast Asia  Listen to our interview with big Malaysia-based bank CIMB here: CSO Insights: How a big Malaysian bank balances climate, nature, human rights and economic inclusion  Listen to our interview with big Malaysian pension fund EPF here: Why one of Southeast Asia's largest pension funds is ‘doubling down' on sustainability  Hear our coverage of London Climate Action Week here: How these key summer events set the scene for COP30 in Brazil  Listen to our podcast episode: How sustainability professionals are weathering challenging times  Listen to our podcast episode where Aniket Shah, Managing Director and Global Head of the Sustainability and Transition Strategy team at Jefferies Group, explains why financial decision-makers need "data, not vibes" to drive their sustainability strategies: Connecting the dots between climate science and financial decisions  Read research from S&P Global Sustainable1 into corporate nature commitments here: Ahead of COP16, corporate nature commitments remain rare  The All Things Sustainable podcast from S&P Global will be an official media partner of The Nest Climate Campus during Climate Week NYC. Register free to attend here. This piece was published by S&P Global Sustainable1 and not by S&P Global Ratings, which is a separately managed division of S&P Global.   Copyright ©2025 by S&P Global DISCLAIMER By accessing this Podcast, I acknowledge that S&P GLOBAL makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in this Podcast. The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. Any unauthorized use, facilitation or encouragement of a third party's unauthorized use (including without limitation copy, distribution, transmission or modification, use as part of generative artificial intelligence or for training any artificial intelligence models) of this Podcast or any related information is not permitted without S&P Global's prior consent subject to appropriate licensing and shall be deemed an infringement, violation, breach or contravention of the rights of S&P Global or any applicable third-party (including any copyright, trademark, patent, rights of privacy or publicity or any other proprietary rights). This Podcast should not be considered professional advice. Unless specifically stated otherwise, S&P GLOBAL does not endorse, approve, recommend, or certify any information, product, process, service, or organization presented or mentioned in this Podcast, and information from this Podcast should not be referenced in any way to imply such approval or endorsement. The third party materials or content of any third party site referenced in this Podcast do not necessarily reflect the opinions, standards or policies of S&P GLOBAL. S&P GLOBAL assumes no responsibility or liability for the accuracy or completeness of the content contained in third party materials or on third party sites referenced in this Podcast or the compliance with applicable laws of such materials and/or links referenced herein. Moreover, S&P GLOBAL makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties.     S&P GLOBAL EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

My links:My Ko-fi: https://ko-fi.com/rhetoricrevolutionSend me a voice message!: https://podcasters.spotify.com/pod/show/liam-connerlyTikTok: ⁠https://www.tiktok.com/@mrconnerly?is_from_webapp=1&sender_device=pc⁠Email: ⁠rhetoricrevolution@gmail.com⁠Instagram: https://www.instagram.com/connerlyliam/Podcast | Latin in Layman's - A Rhetoric Revolution https://open.spotify.com/show/0EjiYFx1K4lwfykjf5jApM?si=b871da6367d74d92YouTube: https://www.youtube.com/@MrConnerly

How are corporate leaders navigating the changing sustainability landscape? To help answer that question, the All Things Sustainable podcast has launched CSO Insights, a new miniseries that brings listeners interviews with Chief Sustainability Officers across industries and around the world.  Today we're talking with Luanne Sieh, Group Chief Sustainability Officer at CIMB Group, one of Malaysia's largest banks.   Luanne says CIMB takes a "holistic" view of climate, nature, human rights and economic inclusion. She outlines the bank's 2030 emissions reduction targets for six priority sectors, including palm oil — an important contributor to Malaysia's GDP and a significant part of CIMB's portfolio.   "We are one of the largest financiers of palm oil globally," Luanne says. "We think that our role here is to really reshape the industries and the clients, or help to reshape them — and not to retreat from them."  Listen to the first episode of our CSO Insights series: CSO Insights: How sustainability pullback is playing out in Southeast Asia | S&P Global  Listen to our podcast interview with big Malaysian pension fund Employees Provident Fund (EPF): Why one of Southeast Asia's largest pension funds is 'doubling down' on sustainability | S&P Global  Read research from S&P Global Sustainable1 about companies' nature risks and dependencies: How the world's largest companies depend on nature and biodiversity | S&P Global  Read our research about the costs of climate physical risk: For the world's largest companies, climate physical risks have a $1.2 trillion annual price tag by the 2050s | S&P Global  The All Things Sustainable podcast from S&P Global will be an official media partner of The Nest Climate Campus during Climate Week NYC. Register free to attend here.    This piece was published by S&P Global Sustainable1 and not by S&P Global Ratings, which is a separately managed division of S&P Global.    Copyright ©2025 by S&P Global      DISCLAIMER     By accessing this Podcast, I acknowledge that S&P GLOBAL makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in this Podcast. The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. Any unauthorized use, facilitation or encouragement of a third party's unauthorized use (including without limitation copy, distribution, transmission or modification, use as part of generative artificial intelligence or for training any artificial intelligence models) of this Podcast or any related information is not permitted without S&P Global's prior consent subject to appropriate licensing and shall be deemed an infringement, violation, breach or contravention of the rights of S&P Global or any applicable third-party (including any copyright, trademark, patent, rights of privacy or publicity or any other proprietary rights).  This Podcast should not be considered professional advice. Unless specifically stated otherwise, S&P GLOBAL does not endorse, approve, recommend, or certify any information, product, process, service, or organization presented or mentioned in this Podcast, and information from this Podcast should not be referenced in any way to imply such approval or endorsement. The third party materials or content of any third party site referenced in this Podcast do not necessarily reflect the opinions, standards or policies of S&P GLOBAL. S&P GLOBAL assumes no responsibility or liability for the accuracy or completeness of the content contained in third party materials or on third party sites referenced in this Podcast or the compliance with applicable laws of such materials and/or links referenced herein. Moreover, S&P GLOBAL makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties.     S&P GLOBAL EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

Bill Shriver, CEO of Setech, shares his expertise as it relates to managing the purchase and supply chain of all the things that don't go into your manufacturing facility's production; i.e. everything OTHER than your raw materials.Setech provides tremendous value by allowing their customers to focus on their core competencies while Setech, by taking over these more mundane responsibilities where they possess unparalleled expertise, is able to both drive profit to their customers' bottom lines and improve their operational efficiencies at the same time.https://www.setech.com/Southpoint Solutions: https://www.southpointsolutions.com/Southpoint Solutions on LinkedIn: https://www.linkedin.com/company/southpointsolutions/Jared Wall on LinkedIn: https://www.linkedin.com/in/jared-wall-792590120/

If you work in sustainability, you know that 2025 has been a time of upheaval in many parts of the world. At the All Things Sustainable podcast, we want to understand how sustainability leaders are handling the changing landscape. So this week, we're launching a new miniseries where we interview Chief Sustainability Officers across industries and around the world.    We're kicking off our CSO Insights series by sitting down with Eric Lim, the Chief Sustainability Officer at United Overseas Bank (UOB), one of the largest banks headquartered in Singapore. We'll be back later this week with more interviews with CSOs at Southeast Asian banks.   Eric says UOB is “obsessed with supporting the client decarbonization and transition journeys,” while also emphasizing the importance of a just transition. He tells us how initiatives like the Singapore Sustainable Finance Association, where he's a convening member, are working to simplify the topic of nature for financial institutions. And he explains how countries like Singapore are incorporating adaptation and resilience measures into the built environment.  “What we see with our clients is — even though there is globally perhaps a bit of this pullback from sustainability, a bit of greenhushing — that our clients simply continue to invest in low-carbon or green business models that they know make commercial sense,” Eric says.   Listen to our recent podcast episode How sustainability professionals are weathering challenging times  Listen to our recent interview with the CEO of Climate Risk & Resilience at global insurance group Howden Why insurance is becoming central to climate risk conversations  Learn about S&P Global Sustainable1's Nature & Biodiversity dataset.  The All Things Sustainable podcast from S&P Global will be an official media partner of The Nest Climate Campus during Climate Week NYC. Register free to attend here.  This piece was published by S&P Global Sustainable1 and not by S&P Global Ratings, which is a separately managed division of S&P Global.    Copyright ©2025 by S&P Global      DISCLAIMER     By accessing this Podcast, I acknowledge that S&P GLOBAL makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in this Podcast. The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk.      Any unauthorized use, facilitation or encouragement of a third party's unauthorized use (including without limitation copy, distribution, transmission or modification, use as part of generative artificial intelligence or for training any artificial intelligence models) of this Podcast or any related information is not permitted without S&P Global's prior consent subject to appropriate licensing and shall be deemed an infringement, violation, breach or contravention of the rights of S&P Global or any applicable third-party (including any copyright, trademark, patent, rights of privacy or publicity or any other proprietary rights). This Podcast should not be considered professional advice. Unless specifically stated otherwise, S&P GLOBAL does not endorse, approve, recommend, or certify any information, product, process, service, or organization presented or mentioned in this Podcast, and information from this Podcast should not be referenced in any way to imply such approval or endorsement. The third party materials or content of any third party site referenced in this Podcast do not necessarily reflect the opinions, standards or policies of S&P GLOBAL. S&P GLOBAL assumes no responsibility or liability for the accuracy or completeness of the content contained in third party materials or on third party sites referenced in this Podcast or the compliance with applicable laws of such materials and/or links referenced herein. Moreover, S&P GLOBAL makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties.      S&P GLOBAL EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST. 

Débatteurs du soir : -Joseph Macé-Scaron, écrivain -Vincent Roy, écrivain et journaliste Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

In this episode of the All Things Sustainable podcast we bring you the latest in our special series featuring major pension funds around the world.     We sit down with Shahida Jaffar, Head of Corporate Sustainability at Malaysia's Employees Provident Fund (EPF). EPF was established in 1951 to safeguard the retirement future of the Malaysian workforce; it reported about 1.31 trillion Malaysian ringgit (US$310 billion) in total investment assets and more than 16 million members as of June 30, 2025.  In the interview, Shahida explains EPF's evolving sustainable investment strategy; the role nature plays in the organization's approach to sustainability; and how the pension fund balances priorities — like the need for returns, net-zero commitments and ensuring that the energy transition is just.   “In the market right now, there's polarization in terms of those who are pursuing sustainability even stronger and those who are pulling back,” Shahida tells us.   “In the case of EPF, we're doubling down.”  Read research from S&P Global Sustainable1 about companies' nature risks and dependencies: How the world's largest companies depend on nature and biodiversity | S&P Global  Learn about S&P Global Sustainable1's Nature & Biodiversity dataset.  Listen to our podcast interview with Norges Bank Investment Management (NBIM): Why the world's largest asset owner is leaning into ESG | S&P Global  The All Things Sustainable podcast from S&P Global will be an official media partner of The Nest Climate Campus during Climate Week NYC. Register free to attend here.  This piece was published by S&P Global Sustainable1 and not by S&P Global Ratings, which is a separately managed division of S&P Global.   Copyright ©2025 by S&P Global      DISCLAIMER     By accessing this Podcast, I acknowledge that S&P GLOBAL makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in this Podcast. The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk.      Any unauthorized use, facilitation or encouragement of a third party's unauthorized use (including without limitation copy, distribution, transmission or modification, use as part of generative artificial intelligence or for training any artificial intelligence models) of this Podcast or any related information is not permitted without S&P Global's prior consent subject to appropriate licensing and shall be deemed an infringement, violation, breach or contravention of the rights of S&P Global or any applicable third-party (including any copyright, trademark, patent, rights of privacy or publicity or any other proprietary rights).      This Podcast should not be considered professional advice. Unless specifically stated otherwise, S&P GLOBAL does not endorse, approve, recommend, or certify any information, product, process, service, or organization presented or mentioned in this Podcast, and information from this Podcast should not be referenced in any way to imply such approval or endorsement. The third party materials or content of any third party site referenced in this Podcast do not necessarily reflect the opinions, standards or policies of S&P GLOBAL. S&P GLOBAL assumes no responsibility or liability for the accuracy or completeness of the content contained in third party materials or on third party sites referenced in this Podcast or the compliance with applicable laws of such materials and/or links referenced herein. Moreover, S&P GLOBAL makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties.      S&P GLOBAL EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST. 

Constrafor is revolutionizing how construction companies manage their back office operations, from procurement to embedded finance. With over $400 million in funding and 75,000 companies on their platform representing 25% of US construction companies, Constrafor has processed nearly $2 billion in invoice funding. In this episode of Category Visionaries, we sat down with Anwar Ghauche, CEO and Founder of Constrafor, to learn about the company's journey from addressing subcontractor payment challenges to building an invisible automation platform for construction's back office. Topics Discussed: Constrafor's origin story and the strategic decision to target general contractors first to access subcontractors The company's evolution from construction procurement platform to comprehensive back office automation Constrafor's approach to embedded finance and the Early Pay product for subcontractors The challenge of building in construction tech during COVID-19 and early customer acquisition strategies Distribution strategies that evolved from manual outreach to leveraging customer referrals The company's vision for invisible software that eliminates manual back office work for subcontractors Why construction remains a technology laggard and how margin compression affects software adoption GTM Lessons For B2B Founders: Turn industry warnings into competitive advantages: When mentors warned Anwar that subcontractors were hard to reach and general contractors were poor software buyers, he reframed this as validation. "Instead of taking it as a negative and kind of changing the idea, I took it as kind of validation that this is great. Just because nobody else was really going to try to go after the space." B2B founders should consider whether widespread industry skepticism might actually signal an underserved opportunity with less competition. Build an indirect go-to-market strategy when direct sales won't scale: Rather than pursuing expensive direct sales to thousands of small subcontractors, Constrafor sold to large general contractors at low margins to access their 300-400 subcontractors at once. This created a distribution channel that would have been impossible to build through traditional sales methods. B2B founders should identify intermediaries or platforms that can provide access to their true target customers at scale. Recognize product-market fit through pattern recognition: Anwar knew they had achieved product-market fit when they reached customer number 10-12 requesting exactly the same thing. "We didn't have to kind of study this whole thing from scratch as if we were dealing with it for the first time." B2B founders should look for the moment when customer requests become predictable and solutions become repeatable rather than focusing solely on revenue metrics. Prioritize sales team development over marketing in B2B: Constrafor crossed $1 million in annual revenue before building a marketing team, instead focusing on sales team structure and product-led lead generation. "We've tried to build out the product to generate the leads as opposed to having to rely on marketing for warming up the leads." B2B founders should consider whether their resources are better invested in sales infrastructure and product virality before traditional marketing efforts. Leverage unique data assets for thought leadership: With 25% market penetration, Constrafor began providing industry insights on insurance pricing, material costs, and project pipelines. This data-driven approach to content creation established them as a trusted voice in construction. B2B founders should identify unique data they collect through their platform and use these insights to build authority rather than creating generic educational content.   //   Sponsors: Front Lines — We help B2B tech companies launch, manage, and grow podcasts that drive demand, awareness, and thought leadership. www.FrontLines.io The Global Talent Co. — We help tech startups find, vet, hire, pay, and retain amazing marketing talent that costs 50-70% less than the US & Europe.  www.GlobalTalent.co   //   Don't Miss: New Podcast Series — How I Hire Senior GTM leaders share the tactical hiring frameworks they use to build winning revenue teams. Hosted by Andy Mowat, who scaled 4 unicorns from $10M to $100M+ ARR and launched Whispered to help executives find their next role. Subscribe here: https://open.spotify.com/show/53yCHlPfLSMFimtv0riPyM 

In this episode of the All Things Sustainable podcast we bring you the first of a special series featuring major pension funds around the world.   We sit down in Mexico City, Mexico with Alejandro Bújanos, Head of Sustainable Investing at Afore SURA. This is one of the largest pension funds in Mexico and a subsidiary of SURA Asset Management. Alejandro outlines how the pension fund seeks to drive Mexico's transition to a low-carbon economy by engaging with major national companies. "We believe that we need to be active owners and actually improve the countries where we're living," Alejandro says. "My main challenge is how to transition our portfolio to a low-carbon economy, and, while doing that, also have an impact in the real economy."  Alejandro highlights the role that collaborative initiatives play in the market. Earlier this year, Afore SURA and other financial institutions in Mexico launched one such initiative,  called MxColab, to engage with major Mexican companies on issues like climate change.  "These very big companies that have been here for a long time ... it's hard to change them," he says. "Pulling investors together might be the only way to have a substantial enough size for these very big owners to actually listen to what you're asking from them."  Learn about S&P Global Commodity Insights' Energy Transition services.  Explore how companies are approaching sustainability via S&P Global Sustainable1's Corporate Sustainability Assessment data.  The All Things Sustainable podcast from S&P Global will be an official media partner of The Nest Climate Campus during Climate Week NYC. Register free to attend here.  This piece was published by S&P Global Sustainable1 and not by S&P Global Ratings, which is a separately managed division of S&P Global.   Copyright ©2025 by S&P Global    DISCLAIMER    By accessing this Podcast, I acknowledge that S&P GLOBAL makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in this Podcast. The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk.  Any unauthorized use, facilitation or encouragement of a third party's unauthorized use (including without limitation copy, distribution, transmission or modification, use as part of generative artificial intelligence or for training any artificial intelligence models) of this Podcast or any related information is not permitted without S&P Global's prior consent subject to appropriate licensing and shall be deemed an infringement, violation, breach or contravention of the rights of S&P Global or any applicable third-party (including any copyright, trademark, patent, rights of privacy or publicity or any other proprietary rights).     This Podcast should not be considered professional advice. Unless specifically stated otherwise, S&P GLOBAL does not endorse, approve, recommend, or certify any information, product, process, service, or organization presented or mentioned in this Podcast, and information from this Podcast should not be referenced in any way to imply such approval or endorsement. The third party materials or content of any third party site referenced in this Podcast do not necessarily reflect the opinions, standards or policies of S&P GLOBAL. S&P GLOBAL assumes no responsibility or liability for the accuracy or completeness of the content contained in third party materials or on third party sites referenced in this Podcast or the compliance with applicable laws of such materials and/or links referenced herein. Moreover, S&P GLOBAL makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties.  S&P GLOBAL EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST. 

De Tweede Kamer kwam deze week terug van haar reces voor een debat over Gaza. Sancties op Europees niveau laten op zich wachten, maar wat kan het kabinet doen om Israël tot een andere koers te bewegen? Te gast bij dr Kelder en Co is mr. Heleen over de Linden, advocaat en sanctierechtexpert. Is Nederland juridisch gezien verplicht om in te grijpen? Ook maken we de vergelijking met Rusland, waar inmiddels het achttiende sanctiepakket van kracht is. Gooit Europa nog wel een gat in een natte krant? U hoort het in Dr Kelder en Co.

This year at the All Things Sustainable podcast, we've heard from many professionals who are uncertain about the future of climate action and sustainability and what's ahead for their careers.   We've also heard from numerous companies that continue to pursue their sustainability strategies and climate targets, even as some are talking about this less in public or changing the language they use to describe their efforts. In today's episode, we're asking: How are sustainability professionals weathering the storm?   We speak to three guests on the sidelines of an event the UN Global Compact Mexico hosted in June:   We talk with Jill Dumain, founding partner at the corporate sustainability consultancy Fractal CSOs and former Director of Global Environmental Strategy at outdoor clothing and gear company Patagonia. She says the current headwinds are a temporary setback.   "It's very easy for all of us to be myopic around this moment in time: ‘The sky is falling in. Everything is against us,'" Jill says. "But in the grand scheme of things over an arc of 15 or 20 years, this is a little bump in the road."  We sit down with Simon Mainwaring, Founder and CEO of strategic brand consultancy We First, who explains why the current moment presents an opportunity.   “We got out over our skis a little bit in terms of acronyms and making it a little bit wonkish and heady, and that not only alienated a lot of people ... it set ourselves up to be politicized in a way that didn't really serve the intent behind this work,” Simon tells us. "As a result, we're being forced to walk back some of that wonkish language and reframe our language to reach back and take people with us.”   And we hear from Christopher Lilholm, Global Head of ESG and Sustainability Services at DNV, an assurance and risk management firm.   Listen to our episode How companies in Latin America are embedding sustainability amid shifting dynamics  Listen to our episode ..   Explore how companies are approaching sustainability via S&P Global Sustainable1's Corporate Sustainability Assessment data.  The All Things Sustainable podcast from S&P Global will be an official media partner of The Nest Climate Campus during Climate Week NYC. Register free to attend here.  This piece was published by S&P Global Sustainable1 and not by S&P Global Ratings, which is a separately managed division of S&P Global.    Copyright ©2025 by S&P Global      DISCLAIMER     By accessing this Podcast, I acknowledge that S&P GLOBAL makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in this Podcast. The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk.      Any unauthorized use, facilitation or encouragement of a third party's unauthorized use (including without limitation copy, distribution, transmission or modification, use as part of generative artificial intelligence or for training any artificial intelligence models) of this Podcast or any related information is not permitted without S&P Global's prior consent subject to appropriate licensing and shall be deemed an infringement, violation, breach or contravention of the rights of S&P Global or any applicable third-party (including any copyright, trademark, patent, rights of privacy or publicity or any other proprietary rights).      This Podcast should not be considered professional advice. Unless specifically stated otherwise, S&P GLOBAL does not endorse, approve, recommend, or certify any information, product, process, service, or organization presented or mentioned in this Podcast, and information from this Podcast should not be referenced in any way to imply such approval or endorsement. The third party materials or content of any third party site referenced in this Podcast do not necessarily reflect the opinions, standards or policies of S&P GLOBAL. S&P GLOBAL assumes no responsibility or liability for the accuracy or completeness of the content contained in third party materials or on third party sites referenced in this Podcast or the compliance with applicable laws of such materials and/or links referenced herein. Moreover, S&P GLOBAL makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties.      S&P GLOBAL EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

Are we underestimating what young math learners can do with algebra — just because they're young?If you've ever watched a student skip the reasoning and jump straight into "finding the answer," you're not alone. In this episode, Yvette Lehman shares a raw, real experience that started with a misstep and turned into a breakthrough. Through a single change in how she worded a math prompt, she unlocked deeper thinking and powerful generalizations — from 10-year-olds. Whether you're a math educator, coach, or just curious about how to get students thinking beyond procedures, this story will resonate.You'll discover:How tweaking your questioning might be the game-changing move your students needHow math task wording can unintentionally trigger misconceptions in developing math thinkersHow to support students who are learning to generalize patterns involving indirect variationHow to adjust math tasks to surface conceptual understanding—not just rule-followingThe value of student work moderation to support teacher learning and next stepsWhy visual patterns are a powerful tool for diagnosing and extending math thinkingHit play now to hear how small shifts in language can lead to big mathematical breakthroughs — even for your youngest learners.Not sure what matters most when designing math improvement plans? Take this assessment and get a free customized report: https://makemathmoments.com/grow/ Math coordinators and leaders – Ready to design your math improvement plan with guidance, support and using structure? Learn how to follow our 4 stage process. https://growyourmathprogram.com Looking to supplement your curriculum with problem based lessons and units? Make Math Moments Problem Based Lessons & Units Show Notes PageLove the show? Text us your big takeaway!Get a Customized Math Improvement Plan For Your District.Are you district leader for mathematics? Take the 12 minute assessment and you'll get a free, customized improvement plan to shape and grow the 6 parts of any strong mathematics program.Take the assessmentAre you wondering how to create K-12 math lesson plans that leave students so engaged they don't want to stop exploring your math curriculum when the bell rings? In their podcast, Kyle Pearce and Jon Orr—founders of MakeMathMoments.com—share over 19 years of experience inspiring K-12 math students, teachers, and district leaders with effective math activities, engaging resources, and innovative math leadership strategies. Through a 6-step framework, they guide K-12 classroom teachers and district math coordinators on building a strong, balanced math program that grows student and teacher impact. Each week, gain fresh ideas, feedback, and practical strategies to feel more confident and motivate students to see the beauty in math. Start making math moments today by listening to Episode #139: "Making Math Moments From Day 1 to 180.

It's been more than three years since Russia invaded Ukraine. In this episode of the All Things Sustainable podcast, we're exploring how the conflict has prompted some businesses in Ukraine to lean in to sustainability. We'll also hear about companies' strategies to protect workers and address mental health challenges stemming from the war.  We talk with Tetiana Sakharuk, Executive Director of UN Global Compact Ukraine, about how the sustainability landscape is changing in Ukraine and how the UN Global Compact network is helping companies integrate sustainability into their operations — through training and accelerator programs, by connecting them with international investors and grant opportunities, and by setting up an online platform to support employees needing psychological help amid the war.  UN Global Compact Ukraine is a country-level network of the UN Global Compact (UNGC). The UNGC is a voluntary corporate sustainability initiative involving more than 20,000 companies across 160 countries. Participating companies commit to operate responsibly in line with sustainability principles on human rights, labor, environment and anti-corruption, and to support the UN's 17 Sustainable Development Goals.   In an interview on the sidelines of an event hosted by the UN Global Compact Mexico in June, Tetiana said Ukranian companies see sustainability as a way to attract investors and ensure the long-term viability of their businesses.   She shares how Ukrainian companies are rebuilding critical infrastructure like energy and removing mines from farmland. And she explains how some companies are supporting the health and wellbeing of their employees and communities.   Listen to our episode How companies in Latin America are embedding sustainability amid shifting dynamics here.  Listen to our episode "Energy transition discussions shift to pragmatism amid policy uncertainty" here.   Learn about S&P Global Commodity Insights' Energy Transition services.  This piece was published by S&P Global Sustainable1 and not by S&P Global Ratings, which is a separately managed division of S&P Global.   Copyright ©2025 by S&P Global    DISCLAIMER    By accessing this Podcast, I acknowledge that S&P GLOBAL makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in this Podcast. The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk.  Any unauthorized use, facilitation or encouragement of a third party's unauthorized use (including without limitation copy, distribution, transmission or modification, use as part of generative artificial intelligence or for training any artificial intelligence models) of this Podcast or any related information is not permitted without S&P Global's prior consent subject to appropriate licensing and shall be deemed an infringement, violation, breach or contravention of the rights of S&P Global or any applicable third-party (including any copyright, trademark, patent, rights of privacy or publicity or any other proprietary rights).     This Podcast should not be considered professional advice. Unless specifically stated otherwise, S&P GLOBAL does not endorse, approve, recommend, or certify any information, product, process, service, or organization presented or mentioned in this Podcast, and information from this Podcast should not be referenced in any way to imply such approval or endorsement. The third party materials or content of any third party site referenced in this Podcast do not necessarily reflect the opinions, standards or policies of S&P GLOBAL. S&P GLOBAL assumes no responsibility or liability for the accuracy or completeness of the content contained in third party materials or on third party sites referenced in this Podcast or the compliance with applicable laws of such materials and/or links referenced herein. Moreover, S&P GLOBAL makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties.  S&P GLOBAL EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST. 

Mark Mikhael, MDDeepak Reddy, MD

Transcript: http://nav.al/indirect

In this episode of the All Things Sustainable podcast, we're on the ground in Mexico City, Mexico, to explore how companies in Latin America are embedding sustainability into their business strategies amid shifting market dynamics and new regulations.   We speak with Mauricio Bonilla, Executive Director of UN Global Compact Mexico, on the sidelines of the organization's annual Business Meeting for Sustainability, which took place in June.   The UN Global Compact is a voluntary corporate sustainability initiative involving more than 20,000 companies across 160 countries. Participating companies have committed to operate responsibly in line with sustainability principles on human rights, labor, environment and anti-corruption, and to support the UN's 17 Sustainable Development Goals.   UN Global Compact Mexico is a country-level network of the UN Global Compact, and Mauricio explains how the network is working with companies of all sizes to drive sustainable business practices.   We also sit down with three UN Global Compact Mexico participant companies:  -Alejandro De Keijser, Director of Energy and Sustainability at Mexico-based Grupo DEACERO, a steel manufacturer with global operations.   -Alfonso Martínez, CEO of Industrias Marves, a Mexico-based textile recycling company.  -Tania Rabasa Kovacs, Orbia's Chief Sustainability Officer, Vice President of Corporate Affairs and President of Orbia Mexico. Mexico-based Orbia operates in more than 50 countries and focuses on several business lines.  Tania outlines challenges companies in Latin America face. This includes balancing the need for positive financial returns in the short term with longer term sustainability objectives; navigating regulatory uncertainty; adapting to the physical impacts of climate change; and ensuring local communities and economies benefit from the company's operations.    At the same time, she says: "Nobody is really giving up because the cost of inaction is much higher than that of the transformation."   Read the latest edition of the International Sustainability Standards Board (ISSB) adoption tracker from S&P Global Sustainable1 here.    Learn more about S&P Global Sustainable1's Physical Climate Risk data.  This piece was published by S&P Global Sustainable1 and not by S&P Global Ratings, which is a separately managed division of S&P Global.   Copyright ©2025 by S&P Global    DISCLAIMER    By accessing this Podcast, I acknowledge that S&P GLOBAL makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in this Podcast. The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk.     Any unauthorized use, facilitation or encouragement of a third party's unauthorized use (including without limitation copy, distribution, transmission or modification, use as part of generative artificial intelligence or for training any artificial intelligence models) of this Podcast or any related information is not permitted without S&P Global's prior consent subject to appropriate licensing and shall be deemed an infringement, violation, breach or contravention of the rights of S&P Global or any applicable third-party (including any copyright, trademark, patent, rights of privacy or publicity or any other proprietary rights).     This Podcast should not be considered professional advice. Unless specifically stated otherwise, S&P GLOBAL does not endorse, approve, recommend, or certify any information, product, process, service, or organization presented or mentioned in this Podcast, and information from this Podcast should not be referenced in any way to imply such approval or endorsement. The third party materials or content of any third party site referenced in this Podcast do not necessarily reflect the opinions, standards or policies of S&P GLOBAL. S&P GLOBAL assumes no responsibility or liability for the accuracy or completeness of the content contained in third party materials or on third party sites referenced in this Podcast or the compliance with applicable laws of such materials and/or links referenced herein. Moreover, S&P GLOBAL makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties.    S&P GLOBAL EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

In this episode of the All Things Sustainable podcast, we're taking listeners on a whistlestop tour of several big summer events in Europe that will shape sustainability discussions on the road to COP30, the UN Climate Change Conference in Belém, Brazil in November 2025.  We cover key outcomes from the 2025 United Nations Ocean Conference in Nice, France — including progress toward a Marine Biodiversity Treaty.  We talk to Beth Burks, Director on the Sustainable Finance Markets team at S&P Global Ratings, about her takeaways from annual climate meetings in Bonn, Germany.   “If COP is like the big show every year, then Bonn is the dress rehearsal,” Beth explains.   Beth also shares highlights from London Climate Action Week, which in 2025 grew significantly to include more than 700 events and more than 45,000 attendees.   In the episode we also speak to Tom Beloe, Director of the Sustainable Finance Hub at the UN Development Programme, or UNDP. Tom shares big takeaways from the 4th International Conference on Financing for Development, or FFD4, in Sevilla Spain. The conference took place for the first time in a decade this summer and centered around financing for the UN's Sustainable Development Goals, or SDGs.   A unifying theme across all these events is the importance of multilateralism to address sustainability challenges that transcend borders, like climate change, nature loss and ocean conservation. Across these events, we also hear about the rising role the private sector plays in addressing and financing solutions to these challenges.   “I think we're seeing over the last 10 years a very much increasing trend of private sector participation,” Tom tells us. “Frankly, the discussions of finance that happen in these conferences are a little bit meaningless if we're not also convening with the largest financial institutions in the world.”  Learn about Climate Transition Assessments from S&P Global here. Learn about energy transition data and services from S&P Global Commodity Insights here.  This piece was published by S&P Global Sustainable1 and not by S&P Global Ratings, which is a separately managed division of S&P Global.   Copyright ©2025 by S&P Global    DISCLAIMER    By accessing this Podcast, I acknowledge that S&P GLOBAL makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in this Podcast. The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk.     Any unauthorized use, facilitation or encouragement of a third party's unauthorized use (including without limitation copy, distribution, transmission or modification, use as part of generative artificial intelligence or for training any artificial intelligence models) of this Podcast or any related information is not permitted without S&P Global's prior consent subject to appropriate licensing and shall be deemed an infringement, violation, breach or contravention of the rights of S&P Global or any applicable third-party (including any copyright, trademark, patent, rights of privacy or publicity or any other proprietary rights).     This Podcast should not be considered professional advice. Unless specifically stated otherwise, S&P GLOBAL does not endorse, approve, recommend, or certify any information, product, process, service, or organization presented or mentioned in this Podcast, and information from this Podcast should not be referenced in any way to imply such approval or endorsement. The third party materials or content of any third party site referenced in this Podcast do not necessarily reflect the opinions, standards or policies of S&P GLOBAL. S&P GLOBAL assumes no responsibility or liability for the accuracy or completeness of the content contained in third party materials or on third party sites referenced in this Podcast or the compliance with applicable laws of such materials and/or links referenced herein. Moreover, S&P GLOBAL makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties.    S&P GLOBAL EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

In this episode of the All Things Sustainable podcast, we take the show on the road to Singapore, where S&P Global Sustainable1 hosted its annual summit June 26. We sit down with leaders from the sustainable agriculture, banking and technology sectors to unpack key sustainability challenges and opportunities facing diverse Asia-Pacific markets. We discuss decarbonization technologies with Manish Pant, Executive Vice President of International Operations at Schneider Electric. Schneider Electric is a French multinational focused on electrification, automation and digitization that was just named the world's most sustainable company by TIME and data firm Statista.     Manish explains how the company is working with clients to decarbonize and electrify at scale in a way that also prioritizes energy access, security and affordability. He characterizes the current moment as "the golden period for the Global South.”    “The demographic momentum, the focus on renewables as well as a lot of infrastructure development is what characterizes this part of the world,” he says. “The challenge and the opportunity that we have is we are going to be building a lot.”    We also speak with Kavickumar Muruganathan, Microsoft's ESG Planning Director for Asia Pacific, Cloud Operations and Innovation, to understand how one of the world's largest technology companies is thinking about developing AI; its use cases for sustainability; and how the company is developing data centers in the region.     We sit down with Justin Ma, Executive Director of Sustainable Finance at Standard Chartered Bank, to talk about trends in sustainable finance and the continued momentum he sees in Asia-Pacific markets.     And we explore how the agriculture sector is balancing food security, access and affordability while also improving the sustainability of agricultural practices in an interview with Nikita Asthana. Nikita is Head of Sustainability Finance at global agriculture services firm Olam Agri, and she explains how agricultural practices can impact climate change and nature loss and the role smallholder farmers play in sustainable agriculture.     “Climate change is the biggest threat to food security,” Nikita says. “The realization has to happen at scale and not just by a few companies that are more directly impacted. It has to happen at the scale of governments and policymakers. It has to happen at the scale of financial institutions.”   Listen to our podcast episodes from the S&P Global Sustainable1 Summit in London earlier this year:   Why businesses are going ‘back to basics' in sustainability strategies  Why insurance is becoming central to climate risk conversations  How HSBC is financing infrastructure for a low-carbon economy  Learn about energy transition data and services from S&P Global Commodity Insights here.  This piece was published by S&P Global Sustainable1, a part of S&P Global.       Copyright ©2025 by S&P Global   DISCLAIMER   By accessing this Podcast, I acknowledge that S&P GLOBAL makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in this Podcast. The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk.    Any unauthorized use, facilitation or encouragement of a third party's unauthorized use (including without limitation copy, distribution, transmission or modification, use as part of generative artificial intelligence or for training any artificial intelligence models) of this Podcast or any related information is not permitted without S&P Global's prior consent subject to appropriate licensing and shall be deemed an infringement, violation, breach or contravention of the rights of S&P Global or any applicable third-party (including any copyright, trademark, patent, rights of privacy or publicity or any other proprietary rights).    This Podcast should not be considered professional advice. Unless specifically stated otherwise, S&P GLOBAL does not endorse, approve, recommend, or certify any information, product, process, service, or organization presented or mentioned in this Podcast, and information from this Podcast should not be referenced in any way to imply such approval or endorsement. The third party materials or content of any third party site referenced in this Podcast do not necessarily reflect the opinions, standards or policies of S&P GLOBAL. S&P GLOBAL assumes no responsibility or liability for the accuracy or completeness of the content contained in third party materials or on third party sites referenced in this Podcast or the compliance with applicable laws of such materials and/or links referenced herein. Moreover, S&P GLOBAL makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties.   S&P GLOBAL EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.  

Welcome to Episode 172 of the TRANSFORMA TU INGLÉS PROFESIONAL podcast!I'm your host Daniel Smith.Today we have an amazing show lined up for you and by the end of it you will:understand the vital importance of indirect questionsthe little trick that will help you know when an indirect question is wronghow to build an indirect question properly and what to do with the auxiliary verb And, as a bonus, why the word "they" can sometimes be used to talk about an individual.This podcast helps you push your business English communication skills to the next level so that you can grow professionally and achieve your international career goals!

Bel Trew, Chief International Correspondent with The Independent, reports on the negotiations for a potential ceasefire between Israel and Hamas.

Indirect talks between Hamas and Israel about a ceasefire in Gaza are taking place in Qatar. Israeli Prime Minister Benjamin Netanyahu is under increasing pressure at home to end the fighting and is due to meet US President Donald Trump in Washington shortly. Sebastian Usher brings us the latest on the negotiations.

As many of our listeners embark on summer vacations and the US heads into a busy travel weekend for the Fourth of July holiday, we're talking with the chief executive of one of the world's busiest airports.  Paul Griffiths is CEO of Dubai Airports, which owns and manages the operation and development of Dubai International (DXB) and Dubai World Central - Al Maktoum International (DWC) in the United Arab Emirates (UAE).  In this episode of the All Things Sustainable podcast, Paul shares the path that led him from training as a musician to working with Sir Richard Branson to leading an airport that served more than 92 million travelers in 2024.  Paul explains the initiatives Dubai Airports has undertaken to become more sustainable and to decarbonize. He talks about how to balance rising demand for travel while also ensuring the sustainability of airport operations.  “There is a growing realization that the industry has to clean its act up as far as carbon emissions are concerned,” Paul says.  This episode is the latest in our Terra Carta Series of the All Things Sustainable podcast, a collaboration with the Sustainable Markets Initiative (SMI). Throughout 2025, we'll be interviewing SMI member CEOs like Paul from around the world and across industries about how they're approaching sustainability challenges and opportunities.  About the SMI and Terra Carta Podcast Series: The SMI is a network of over 250 global CEOs across finance and industry. It facilitates private sector diplomacy with the ambition of making sustainability the driving force of global markets and value creation. S&P Global is a proud SMI member.   We're calling this the Terra Carta Series based on the SMI's Terra Carta mandate. This is the guiding mandate for the SMI and sets out ambitious and practical actions to help the private sector accelerate progress toward a sustainable future. The name Terra Carta is a play on the historic Magna Carta.    Listen to previous episodes in the Terra Carta Series:   How the Sustainable Markets Initiative convenes the public and private sectors to drive solutions: https://www.spglobal.com/esg/podcasts/how-the-sustainable-markets-initiative-convenes-the-public-and-private-sectors-to-drive-solutions?utm_source=All+Things+Sustainable+podcast&utm_medium=libsyn&utm_campaign=Patch+CEO&utm_id=All+Things+Sustainable+podcast   How climate tech company Patch works to build integrity of carbon markets: https://www.spglobal.com/esg/podcasts/how-climate-tech-company-patch-works-to-build-integrity-of-carbon-markets  How tech solutions, AI can drive the business case for sustainability: https://www.spglobal.com/esg/podcasts/how-tech-solutions-ai-can-drive-the-business-case-for-sustainability  Learn about energy transition data and services from S&P Global Commodity Insights: https://www.spglobal.com/esg/solutions/energy-transition?utm_source=All+Things+Sustainable+podcast&utm_medium=libsyn&utm_campaign=methane&utm_id=All+Things+Sustainable+podcast      This piece was published by S&P Global Sustainable1, a part of S&P Global.     Copyright ©2025 by S&P Global DISCLAIMER By accessing this Podcast, I acknowledge that S&P GLOBAL makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in this Podcast. The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk.  Any unauthorized use, facilitation or encouragement of a third party's unauthorized use (including without limitation copy, distribution, transmission or modification, use as part of generative artificial intelligence or for training any artificial intelligence models) of this Podcast or any related information is not permitted without S&P Global's prior consent subject to appropriate licensing and shall be deemed an infringement, violation, breach or contravention of the rights of S&P Global or any applicable third-party (including any copyright, trademark, patent, rights of privacy or publicity or any other proprietary rights).  This Podcast should not be considered professional advice. Unless specifically stated otherwise, S&P GLOBAL does not endorse, approve, recommend, or certify any information, product, process, service, or organization presented or mentioned in this Podcast, and information from this Podcast should not be referenced in any way to imply such approval or endorsement. The third party materials or content of any third party site referenced in this Podcast do not necessarily reflect the opinions, standards or policies of S&P GLOBAL. S&P GLOBAL assumes no responsibility or liability for the accuracy or completeness of the content contained in third party materials or on third party sites referenced in this Podcast or the compliance with applicable laws of such materials and/or links referenced herein. Moreover, S&P GLOBAL makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties. S&P GLOBAL EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.   

Welcome to the latest episode in the Terra Carta Series of the All Things Sustainable podcast, a collaboration with the Sustainable Markets Initiative (SMI). Throughout 2025, we'll be interviewing SMI member CEOs across industries and around the world about how they're approaching sustainability challenges and opportunities.  In today's episode, we speak to Caspar Herzberg, CEO of AVEVA, a UK-based software company and SMI member. “It's not the time to retreat on climate,” Caspar says. “The solutions exist today that can keep us on the path to net-zero, and now we need to focus on scaling these through digitization and adoption.” Caspar outlines the technology solutions that are supporting decarbonization efforts across sectors. He also talks about the role AI can play in driving efficiency and boosting the business case for sustainability. “At the end of the day, sustainability is only going to work when you are profitable,” he says. “Otherwise, businesses won't do it.” About the Terra Carta Podcast Series: The SMI is a network of over 250 global CEOs across finance and industry. It facilitates private sector diplomacy with the ambition of making sustainability the driving force of global markets and value creation. S&P Global is a proud SMI member. We're calling this the Terra Carta Series based on the SMI's Terra Carta mandate. This is the guiding mandate for the SMI and sets out ambitious and practical actions to help the private sector accelerate progress toward a sustainable future. The name Terra Carta is a play on the historic Magna Carta.  Listen to previous episodes in the Terra Carta Series: How the Sustainable Markets Initiative convenes the public and private sectors to drive solutions | S&P Global How climate tech company Patch works to build integrity of carbon markets | S&P Global Learn about energy transition data and services from S&P Global Commodity Insights.   This piece was published by S&P Global Sustainable1, a part of S&P Global.   Copyright ©2025 by S&P Global            DISCLAIMER    By accessing this Podcast, I acknowledge that S&P GLOBAL makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in this Podcast. The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. This Podcast should not be considered professional advice. Unless specifically stated otherwise, S&P GLOBAL does not endorse, approve, recommend, or certify any information, product, process, service, or organization presented or mentioned in this Podcast, and information from this Podcast should not be referenced in any way to imply such approval or endorsement. The third party materials or content of any third party site referenced in this Podcast do not necessarily reflect the opinions, standards or policies of S&P GLOBAL. S&P GLOBAL assumes no responsibility or liability for the accuracy or completeness of the content contained in third party materials or on third party sites referenced in this Podcast or the compliance with applicable laws of such materials and/or links referenced herein. Moreover, S&P GLOBAL makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties.      S&P GLOBAL EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

A question we've been hearing a lot at the All Things Sustainable podcast is: How do businesses sync their climate strategies with their financial decisions?    In this episode, we bring you highlights from an event that dove into this question in detail: The inaugural S&P Global Sustainable1 Climate Summit hosted by the S&P Global Climate Center of Excellence.   The center is home to world-class scientists dedicated to addressing the frontiers of long-term climate, environmental and nature research and methodology development. The June 5 Climate Summit in New York City convened many of those scientists alongside financial institutions and industry leaders to talk about translating climate science into actionable insights that inform investment and financial decision-making.  In today's episode we talk to three speakers from the Summit:   -Dr. Terence Thompson, the Chief Science Officer at the S&P Global Climate Center of Excellence; he explains the center's work and how it seeks to bridge gaps between stakeholders, including climate scientists, economists and financial institutions.   -Sonja Gibbs, Managing Director and Head of Sustainable Finance at the Institute for International Finance, a global network of financial institutions; she explains how IIF members are thinking about climate risks and opportunities.  -Aniket Shah, Managing Director and Global Head of the Sustainability and Transition Strategy team at Jefferies Group; he tells us why financial decision-makers need “data, not vibes” to drive their sustainability strategies.   Listen to recent podcast interviews referenced in today's episode:    Why businesses are going ‘back to basics' in sustainability strategies | S&P Global  How HSBC is financing infrastructure for a low-carbon economy | S&P Global  How EU proposals could change the sustainability reporting landscape | S&P Global  Learn more about the Climate Center of Excellence | S&P Global  This piece was published by S&P Global Sustainable1, a part of S&P Global.    Copyright ©2025 by S&P Global             DISCLAIMER     By accessing this Podcast, I acknowledge that S&P GLOBAL makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in this Podcast. The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. This Podcast should not be considered professional advice. Unless specifically stated otherwise, S&P GLOBAL does not endorse, approve, recommend, or certify any information, product, process, service, or organization presented or mentioned in this Podcast, and information from this Podcast should not be referenced in any way to imply such approval or endorsement. The third party materials or content of any third party site referenced in this Podcast do not necessarily reflect the opinions, standards or policies of S&P GLOBAL. S&P GLOBAL assumes no responsibility or liability for the accuracy or completeness of the content contained in third party materials or on third party sites referenced in this Podcast or the compliance with applicable laws of such materials and/or links referenced herein. Moreover, S&P GLOBAL makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties.       S&P GLOBAL EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

A commentary and discussion on the Just for Today: Daily Meditations for Recovering Addicts. Contact Information: 919-675-1058 or facebook.com/groups/theanonpodcast

In this latest OIES podcast from the Electricity Programme, Dimitra Apostolopoulou engages in a discussion with Charlie Wilson, Professor of Energy and Climate Change at the Environmental Change Institute, University of Oxford, and Dr. Yee Van Fan, Senior Research Associate at the same institute about their latest paper titled “AI's Indirect Impacts On Climate Outweigh […] The post OIES Podcast – AI's Indirect Impacts On Climate Outweigh Concerns Over Its Direct Energy Footprint appeared first on Oxford Institute for Energy Studies.

In this episode of the All Things Sustainable podcast, we're examining the role insurance plays in helping stakeholders understand and adapt to the physical risks of climate change.   We speak to Rowan Douglas, CEO of Climate Risk & Resilience at global insurance group Howden. He explains how the insurance industry's approach to climate change has evolved over decades to better understand future risks. He says the insurance sector is front and center in conversations about climate impacts because insurance gives financial institutions and investors an economic guide for risk.  "There's a recognition that insurance is absolutely essential to allow credit and investment to flow with confidence,” he says.  Rowan also addresses the importance of breaking down barriers in climate conversations, including how climate and nature intersect and the need for collaboration between the financial community and scientists, economists and engineers.      “All of us in the world of finance have got something to offer, and we've got something to learn from each other,” he says. "We're getting to the point now where we've got to confront this growing risk.”    This interview took place on the sidelines of the S&P Global Sustainable1 Summit in London. Listen to more interviews from the event here: Why businesses are going ‘back to basics' in sustainability strategies | S&P Global  And here: How HSBC is financing infrastructure for a low-carbon economy | S&P Global  Learn more about the S&P Global Sustainable1 Summit in Singapore June 26, 2025: Sustainable1 Summit 2025 | S&P Global  Read the forecast for the 2025 hurricane season from the S&P Global Climate Center of Excellence: An Elevated 2025 Hurricane Season | S&P Global  Learn more about the Climate Center of Excellence: Climate Center of Excellence | S&P Global  Learn more about Physical Climate Risk Solutions from S&P Global  This piece was published by S&P Global Sustainable1, a part of S&P Global.   Copyright ©2025 by S&P Global            DISCLAIMER    By accessing this Podcast, I acknowledge that S&P GLOBAL makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in this Podcast. The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. This Podcast should not be considered professional advice. Unless specifically stated otherwise, S&P GLOBAL does not endorse, approve, recommend, or certify any information, product, process, service, or organization presented or mentioned in this Podcast, and information from this Podcast should not be referenced in any way to imply such approval or endorsement. The third party materials or content of any third party site referenced in this Podcast do not necessarily reflect the opinions, standards or policies of S&P GLOBAL. S&P GLOBAL assumes no responsibility or liability for the accuracy or completeness of the content contained in third party materials or on third party sites referenced in this Podcast or the compliance with applicable laws of such materials and/or links referenced herein. Moreover, S&P GLOBAL makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties.      S&P GLOBAL EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.

Sometimes the most damning evidence about an industry or an organization comes from the inside. In this second installment of “Buy: The Way…To Purposeful Procurement's” deep dive into supplier tactics, two former supply executives continue exposing the ins and outs of the supplier playbook they used on procurement when they were on the other side of the fence.  Bob Schreiner, former CIA section chief and G4s operations executive, explains how security guard service providers can obscure margin increases within seemingly reasonable wage adjustments for officers. He also exposes the “position rate variance” tactic, where suppliers charge premium rates for senior guards to fill junior positions, and also how disasters can become margin-grabbing bonanzas for suppliers. Keith Robinson, one of only 150 board-certified entomologists working commercially in North America, exposes seasonal billing schemes in the pest control industry, where compliance rates plummet in colder months, yet billing continues unchanged. Perhaps most shocking is his revelation that 80-90 percent of fogging and fumigation services are often completely avoidable. These true stories from industry insiders point to a troubling reality: procurement is sometimes so focused on up-front savings that they inadvertently signal to suppliers exactly how to game the system. In effect, procurement ends up creating the perfect conditions for the kind of post-contract chicanery that can create significant cost increases for the business over the years, without any change in service scope or delivery.    Links: Bob Schreiner on LinkedIn Keith Robinson on LinkedIn Rich Ham on LinkedIn Learn more at FineTuneUs.com

In this episode of the All Things Sustainable podcast, we continue our deep dive into methane emissions. Today we're exploring the role that private equity can play in eliminating methane emissions, including at abandoned oil and gas wells.  Methane is the second largest contributor to global warming behind carbon dioxide. And the fossil fuel sector is responsible for nearly one-third of methane emissions from human activity today. Record production of oil, gas and coal, combined with limited mitigation efforts, has kept emissions above 120 million metric tons annually, according to the International Energy Agency's 2025 Global Methane Tracker published in May. The IEA calls methane abatement a “crucial opportunity” to reduce near-term global warming.  To understand how some companies are tackling methane emissions at abandoned facilities, in the episode we talk with Zefiro Methane Corp., an environmental services company that specializes in methane abatement at abandoned oil and gas wells in the US. Zefiro is a portfolio company of private equity firm X Machina Capital Strategies, or XMC, which works to transform oil and gas assets into long-term, sustainable solutions.  We speak with Catherine Flax, Founding Member and President of Private Markets at XMC. On June 5, Catherine was appointed interim CEO of Zefiro Methane Corp., where she also serves on the board.  We also talk with Talal Debs, Founder and Managing Partner of XMC. Talal was CEO of Zefiro Methane Corp. from November 2023 until June 2025.  In the episode, Talal outlines how XMC takes a "full-spectrum energy investment" approach.   "Let's take all the energy that we can get economically, but make it as clean as possible with a mind towards: what are we going to do with the mess afterwards?" he says. "If we can do that ... we're capturing the full spectrum of opportunity without ignoring the full spectrum of risks."  Listen to our previous episode on methane emissions here.  Learn about energy transition data and services from S&P Global Commodity Insights.   This piece was published by S&P Global Sustainable1, a part of S&P Global.           Copyright ©2025 by S&P Global           DISCLAIMER   By accessing this Podcast, I acknowledge that S&P GLOBAL makes no warranty, guarantee, or representation as to the accuracy or sufficiency of the information featured in this Podcast. The information, opinions, and recommendations presented in this Podcast are for general information only and any reliance on the information provided in this Podcast is done at your own risk. This Podcast should not be considered professional advice. Unless specifically stated otherwise, S&P GLOBAL does not endorse, approve, recommend, or certify any information, product, process, service, or organization presented or mentioned in this Podcast, and information from this Podcast should not be referenced in any way to imply such approval or endorsement. The third party materials or content of any third party site referenced in this Podcast do not necessarily reflect the opinions, standards or policies of S&P GLOBAL. S&P GLOBAL assumes no responsibility or liability for the accuracy or completeness of the content contained in third party materials or on third party sites referenced in this Podcast or the compliance with applicable laws of such materials and/or links referenced herein. Moreover, S&P GLOBAL makes no warranty that this Podcast, or the server that makes it available, is free of viruses, worms, or other elements or codes that manifest contaminating or destructive properties.     S&P GLOBAL EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST.   

Amar Kelkar is a physician at the Dana-Farber Cancer Institute and an instructor in medicine at Harvard Medical School. Stephen Morrissey, the interviewer, is the Executive Managing Editor of the Journal. A.H. Kelkar. U.S. Research Leadership at a Crossroads — The Impact of Reducing NIH Indirect-Cost Coverage. N Engl J Med 2025;392:2081-2084.

A commentary and discussion on the Just for Today: Daily Meditations for Recovering Addicts. Contact Information: 919-675-1058 or facebook.com/groups/theanonpodcast

Much like the classic plot twist in old thriller movies where the characters realize the threat is coming from inside the house, the most revealing insights about supplier tactics are coming from inside Fine Tune's own house in this eye-opening tenth episode of Buy: The Way…To Purposeful Procurement.    Co-host Rich Ham was initially reluctant to tap into his own team's expertise for this podcast series, but the guests' insight and insider knowledge proved too valuable not to share.  In this episode, Philip and Rich interview two former supplier-side executives – Alex Carlson and Angie Claeys – who are now working on the opposite side of the fence at Fine Tune, and therefore perfectly positioned to divulge the very tactics they once used against procurement teams. They are, indeed, “poachers turned game wardens.” First, Alex, a former CBRE executive and Wells Fargo procurement leader, explains how janitorial service providers deliberately underbid with limited scopes to help procurement “check the box” on savings goals. Likewise, he's seen elevator maintenance providers bill for preventative maintenance that is never performed. Just because a category of spend is managed on paper doesn't mean it's being actively managed where it counts the most, on the ground. Similarly, in the second half of the episode, Angie Claeys, former VP of Operations at Aramark, lays out the uniform industry's playbook (a notoriously complex category). Here too procurement has to watch out for “presumptive” billing that can cost the business unnecessarily if procurement isn't on top of it.  Alex and Angie's experiences on the supplier side point to a troubling dynamic: procurement's incentive structures actually encourage these nefarious supplier behaviors and, by not focusing more on ongoing cost management, procurement is inadvertently signaling to suppliers precisely how they can ‘game the system.' This episode, part one in a two-part series full of insider insights, provides an unfiltered look at the consequences of half-hearted spend management and makes a powerful case for extending procurement's influence beyond the contract. Stay tuned for part two, where Bob Schreiner and Keith Robinson expose similar tactics in security services and pest control.   Links: Alex Carlson on LinkedIn Angie Claeys on LinkedIn Rich Ham on LinkedIn Learn more at FineTuneUs.com  

Bret speaks with Dr. Lon Jones, DO on the subject of the mismatch between modern humans and the environment they live in. Find Dr. Lon Jones, DO at https://commonsensemedicine.org*****Join DarkHorse on Locals! Get access to our Discord server, exclusive live streams, live chats for all streams, and early access to many podcasts: https://darkhorse.locals.comCheck out the DHP store! Epic tabby, digital book burning, saddle up the dire wolves, and more: https://www.darkhorsestore.orgTheme Music: Thank you to Martin Molin of Wintergatan for providing us the rights to use their excellent music.*****Mentioned in this episode:- Common Sense Medicine: Making America Healthy Again by Dr. Lon Jones, DO https://amzn.to/4kd4mka (commission earned)- No More Allergies, Asthma or Sinus Infections: The Revolutionary Approach by Dr. Lon Jones, DO https://amzn.to/4dKaa2o (commission earned)- George Williams Paper: Pleiotropy, Natural Selection, and the Evolution of Senescence https://onlinelibrary.wiley.com/doi/abs/10.1111/j.1558-5646.1957.tb02911.x - Patient education: Ear infections (otitis media) in children (Beyond the Basics) https://www.uptodate.com/contents/ear-infections-otitis-media-in-children-beyond-the-basics/print - Indirect health effects of relative humidity in indoor environments https://pmc.ncbi.nlm.nih.gov/articles/PMC1474709/ - Turku sugar studies V: Final report on the effect of sucrose, fructose and xylitol diets on the caries incidence in man https://www.tandfonline.com/doi/abs/10.3109/00016357608997711 - Paul W. Ewald: Evolution of Disease https://amzn.to/4dzIzRj (commission earned)- Commonsense Medicine: Healing from the Inside Out and Stopping the Next Pandemic https://amzn.to/4kE9kX7 (commission earned)- How Bacteria Stick https://www.scientificamerican.com/article/how-bacteria-stick Support the show

API security has evolved from being primarily an infrastructure issue to a complex challenge centered around language and design flaws. Jeremy Snyder, CEO of Firetail, discusses the findings from their latest state of API security report, emphasizing the alarming rise of indirect prompt injection as a significant threat in AI-integrated systems. As APIs underpin much of modern application architecture, understanding how they function and the potential vulnerabilities they present is crucial for organizations aiming to protect themselves from increasingly sophisticated attacks.Snyder highlights the shared responsibility model in API security, where both developers and security teams must collaborate to ensure robust protection. While infrastructure teams manage the basic security measures, developers are responsible for the design and logic of the APIs they create. This evolving understanding of security responsibilities is essential as threat actors become more adept at exploiting API vulnerabilities, particularly through authorization failures, which continue to be a leading cause of breaches.The conversation also delves into the distinction between authentication and authorization, illustrating how both are critical to API security. Authentication verifies a user's identity, while authorization determines what actions that user can perform. Snyder emphasizes that many organizations still struggle with authorization issues, which can lead to significant security risks if not properly managed. The report reveals that the time to resolve security incidents remains alarmingly high, while the time for attackers to exploit vulnerabilities has drastically decreased, raising concerns about the effectiveness of current security measures.As AI technologies become more integrated into applications, the potential for indirect prompt injection attacks increases, necessitating a reevaluation of security practices. Snyder advises organizations to focus on secure design principles and maintain visibility over AI usage within their systems. By implementing governance frameworks and monitoring tools, organizations can better manage the risks associated with shadow AI and ensure that their API security measures are both effective and comprehensive. All our Sponsors: https://businessof.tech/sponsors/ Do you want the show on your podcast app or the written versions of the stories? Subscribe to the Business of Tech: https://www.businessof.tech/subscribe/Looking for a link from the stories? The entire script of the show, with links to articles, are posted in each story on https://www.businessof.tech/ Support the show on Patreon: https://patreon.com/mspradio/ Want to be a guest on Business of Tech: Daily 10-Minute IT Services Insights? Send Dave Sobel a message on PodMatch, here: https://www.podmatch.com/hostdetailpreview/businessoftech Want our stuff? Cool Merch? Wear “Why Do We Care?” - Visit https://mspradio.myspreadshop.com Follow us on:LinkedIn: https://www.linkedin.com/company/28908079/YouTube: https://youtube.com/mspradio/Facebook: https://www.facebook.com/mspradionews/Instagram: https://www.instagram.com/mspradio/TikTok: https://www.tiktok.com/@businessoftechBluesky: https://bsky.app/profile/businessof.tech

Diving into the cosmic drama of reality, Alan Watts describes the world as a divine dream which is poetic, playful, and only sometimes serious.Being in the Way is brought to you by the Alan Watts Organization and Ram Dass' Love Serve Remember Foundation. Visit Alanwatts.org for full talks from Alan Watts.On this episode of Being in the Way, Alan Watts:Exploring how we get caught in the cosmic game and drama of lifeSeeing the universe as the playful expression of divine energyQuestioning identity: the tension between acting and simply being.Confronting the spiritual taboo of realizing the self as God—tat tvam asi.Indirect awareness of the networks and systems in the physical world Music and the pure delight in complex orders of soundEmbracing the paradox of existence as poetic, musical, and playful, while still being serious.Considering all of the senses as forms of one, larger sense of touchThe oneness of up and down, black and white, being and non-being Complexities of human culture that arise out of duality Today's podcast is sponsored by Betterhelp & Dharma Seed:Being in the Way is brought to you by BetterHelp. Give online therapy a try at betterhelp.com/alan and get on your way to being your best self.Join Krishna Das, the most well-known voice of Bhakti chanting (Kirtan) in the West, and David Nichtern - a senior Buddhist teacher, founder of Dharma Moon, guitarist in Krishna Das' band, and producer of several of his albums - for a warm and engaging conversation about these two paths, their shared roots, and how they intersect in contemporary spiritual practice. Learn more about this FREE online gathering - THE HEART & MIND OF PRACTICE: BUDDHISM & BHAKTI"The real taboo is 'that art thou'. You, lurking behind the mask of being an impermanent human person, are really responsible for the whole thing. If anybody claims that in our culture, we put them straight away into an asylum. That is the very hallmark of insanity. But, in India, if someone suddenly wakes up one morning and says 'My goodness, I'm God', everybody says, instead of you're crazy or blasphemous, they say 'Congratulations, at last you've found out'". – Alan WattsSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Why does Spanish use the phrases “se lo” and “se la” so often? And when does le turn into se? Let's explore some advanced uses of Spanish indirect objects. We'll also get lots of practice using the “redundant a” and putting our object pronouns in the right order in Spanish sentences. Practice all of today's Spanish for free at LCSPodcast.com/63

Morgan Stanley Research analyst Mark Schmidt and Investment Management's Craig Brandon discuss the heightened uncertainty in the U.S. municipal bonds market.Read more insights from Morgan Stanley.For a full list of episode disclosures click here.----- Transcript -----Mark Schmidt: Welcome to Thoughts on the Market. I'm Mark Schmidt, Morgan Stanley's Head of Municipal Strategy.Craig Brandon: I'm Craig Brandon, Co-Director of Municipal Investments at Morgan Stanley Investment Management.Mark Schmidt: Today, let's talk about the biggest market you hardly ever hear about – municipal bonds, a $4 trillion asset class.It's Monday, May 5th at 10am in Boston.Mark Schmidt: If you've driven, flown, gone to school or turned on a tap, chances are munis made it happen. Although munis are late cycle haven, they were not immune to the latest bout of market volatility. Craig, why was April so tough?Craig Brandon: So, what we say in April, it was sort of the trifecta of things that happened that were a little different than other asset classes. The first thing that happened is we saw a significant increase in treasury rates – and munis are generally correlated to treasuries. We're a very high-quality asset class, that's viewed as a duration asset class. So, one thing we saw were rates going up. When we see rates going up, you generally see money coming out of the market, right? So, I think investors were a little bit impacted by the higher rates, the correlation to treasuries, the duration, and saw some flows out of the market.Secondly, what we saw is conversation about the tax exemption in Washington D.C. What that did is it caused muni issuers to pull their issuance forward. So, if you're an infrastructure issuer, you are issuing bonds in the next year to year and a half; you're going to pull that forward because if there's any risk of loss of the tax exemption, you want to get these bonds issued today. So that's basically what drives technicals. It's supply and demand. So, what we saw was a decrease in demand because of higher rates; an increase in supply because of issuance being pulled forward.And the third part of the trifecta we refer to is the conversations about the economy. So, I would put that, it's sort of a distant third, but there's still conversations about maybe credit weakness driven by a slowing economy.Mark Schmidt: Craig, your team has been through a lot of tough market cycles. Given your experience, how did the most recent selloff compare? And why was it not like 2008?Craig Brandon: I started my career back in 1998 during the long-term capital management crisis. I lived through 2008. I lived through the COVID crisis, and you know, really when I look at the crisis in 2008 – no banks went out of business three weeks ago, right? In 2008 we were really sitting on a trading desk wondering where this was going to end.You know, we had a number of meetings with our staff, over the last couple weeks explaining to them why it was different and how. Yes, there was some volatility here, but you could see that there was going to be an end to this, and this was not going to be a permanent restructuring of the market. So, I think we felt comfortable. It was very different than 2008 and it really felt different than COVID.Mark Schmidt: That's reassuring. But with economic growth set to slow sharply, how does your credit team think the fiscal health of America's state and local governments will hold up?Craig Brandon: Well, remember state and local governments, and when we're talking about munis, we're also talking about other infrastructure asset classes like water and sewer bonds. Like, you know, transportation, bonds, airports. We're talking about toll roads.They went into this with a very strong balance sheet, right? Remember, there was a lot of infrastructure money spent by the federal government during COVID to give issuers money to make it through COVID. There's still a lot of money on balance sheets. So, what we do is we're going into this crisis with a lot of cash on balance sheets, allowing issuers to be able to withstand some weakness in the economy and get through to the other side of this.Mark Schmidt: Not only do state and local governments have a lot of cash, but they're just not that impacted by tariffs, right? So why did muni yields perform worse than U.S. treasuries over the past couple of weeks?Craig Brandon: Right. It really… We're technically driven, right? The U.S. muni market is more retail driven than some other asset classes. Remember – investment grade corporates, treasury bonds, there's a lot of institutional buyers in those markets. In the municipal market, it's primarily retail driven.So, when you know, individual retail investors get nervous, they tend to pull money out of the market. So, what we saw was money coming out of the market. At the same time, we saw an individual increase in more bonds, which just led to very weak technicals, which when we see that it eventually reverses itself.Mark Schmidt: Now I almost buried the lede, right? Why invest in munis? Well, they're great credit quality, but they're also tax free. In fact, muni bonds have been exempt from federal taxes for over a century. You have a lot of experience putting together tax bills, and right now people are worried about tax reform. Do you think investors should be concerned?Craig Brandon: Listen. I'm not really losing a lot of sleep at night over the tax exemption. And I think there's other, you know, issues to worry about. Why do I say that?As you mentioned Mark, I spent the early years of my career working for the New York State Assembly Ways and Means Committee. I spent seven years negotiating budgets and what that did is it gave me a window – into how, you know, not only state budgets, but the federal budget gets put together.So, what it also showed me was the relationship between state and local elected officials and your representatives in Congress and your representatives in the Senate. So, I know firsthand that members of Congress and members of the Senate in Washington have very close relationships with members of the state legislatures, with governors, with mayors, with city council members, with school board members – who are all delivering the message that significantly higher financing costs that could potentially happen from the loss of the exemption, could be meaningful to them.And I think members of Congress and members of the Senate and Washington get it. They understand it because they were all there when it happened. The last time the muni exemption came under fire was back in 2012; and in 2012, a lot of members of Congress were in the state legislature back then, so they understand it.Mark Schmidt: That's reassuring because right now, tax equivalent yields in the muni market are 7 to 8 per cent. That's equal to or greater than the long run rate of return on the stock market. So, whether to invest in the muni market seems pretty straightforward. How to invest in the muni market? Well, with 50,000 issuers, that's a little complicated. How do you recommend investors get exposure to tax-free munis right now?Craig Brandon: Well, and that is a very common question. The muni market can be very confusing because there are just so many bonds out there. You know, over 50,000 issuers, there's over a million individual CUSIPs in the muni market.So as an individual investor, where do you start? There's different coupon structures, different call structures, different maturity structures, ratings. There's so many different variables that go into a decision in investing in muni bonds.I can make an argument that you could probably mimic the S&P 500 with 500 different stocks. But most muni indices are over 50,000 constituents. It's very difficult to replicate the muni market by yourself, which is why a lot of people, you know, they let professional money managers, do the investing for them. Whether you're looking at mutual funds, whether you're looking at separately managed accounts, whether you're looking at exchange traded fund ETFs, there's a lot of different ways to get exposure to the muni market. But with the huge amount of choices you have to make, I think a lot of individual investors would just let a professional with the experience do it.Mark Schmidt: And active managers let you customize portfolios to your unique tax situation and risk tolerance. So, Craig, a final question for you. How do munis fit into a diversified portfolio?Craig Brandon: Munis are generally the stable part of most people's portfolios. Remember, you don't have a choice of whether you're going to pay your taxes or not. You have to pay your taxes, you have to pay your water bill, you have to pay your power bill. You have to pay tolls on highways. You have to pay airport fees when you buy an airline ticket, right?It's not an option. So, because the revenue streams are so stable, you see most muni bonds rated AA or AAA. The default rate for rated munis is significantly below 1 per cent. It's something in the ballpark of about 0.2 per cent*. So, with such a low default rate – listen, we're technically driven, as I said. You see ups and downs in the market. But over a longer period of time, munis can give you generally stable returns, tax exempt income over the long term, and they're one of the more stable asset classes that you see in your overall portfolio.Mark Schmidt: That sounds boring, and I mean that in the best possible way. Craig, thanks so much for your time today.Craig Brandon: Thanks, Mark, happy to be hereMark Schmidt: And thank you for listening. If you enjoy Thoughts on the Market, please leave us a review wherever you listen and share the podcast with a friend or colleague today.*“US Municipal Bond Defaults and Recoveries, 1970-2021” – Moody's Investor ServicesDisclosure: Past performance is no guarantee of future results. The returns referred to in the commentary are those of representative indices and are not meant to depict the performance of a specific investment.Risk ConsiderationsDiversification does not eliminate the risk of loss.There is no assurance that a portfolio will achieve its investment objective. Portfolios are subject to market risk, which is the possibility that the market values of securities owned by the portfolio will decline and that the value of portfolio shares may therefore be less than what you paid for them. Market values can change daily due to economic and other events (e.g., natural disasters, health crises, terrorism, conflicts, and social unrest) that affect markets, countries, companies or governments. It is difficult to predict the timing, duration, and potential adverse effects (e.g., portfolio liquidity) of events. Accordingly, you can lose money investing in a portfolio. Fixed-income securities are subject to the ability of an issuer to make timely principal and interest payments (credit risk), changes in interest rates (interest rate risk), the creditworthiness of the issuer and general market liquidity (market risk). In a rising interest-rate environment, bond prices may fall and may result in periods of volatility and increased portfolio redemptions. In a declining interest-rate environment, the portfolio may generate less income. Longer-term securities may be more sensitive to interest rate changes. An imbalance in supply and demand in the municipal market may result in valuation uncertainties and greater volatility, less liquidity, widening credit spreads and a lack of price transparency in the market. There generally is limited public information about municipal issuers. Income from tax-exempt municipal obligations could be declared taxable because of changes in tax laws, adverse interpretations by the relevant taxing authority or the non-compliant conduct of the issuer of an obligation and may subject to the federal alternative minimum tax.There is no guarantee that any investment strategy will work under all market conditions, and each investor should evaluate their ability to invest for the long-term, especially during periods of downturn in the market.A separately managed account may not be appropriate for all investors. Separate accounts managed according to the particular strategy may include securities that may not necessarily track the performance of a particular index. 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