Podcasts about Inigo

In this episode of Making Risk Flow, host Juan de Castro speaks with David McMillan, former CEO of esureGroup, to unpack how a mid-sized insurer reinvented itself under private equity ownership. Facing COVID-19, reserve pressures, a soft market, and geopolitical disruption, the company leaned into culture, clarity, and modern technology to outpace larger rivals. David shares why building a high-performing team starts with shared values, how blending insurance expertise with external digital talent accelerates innovation, and why cloud-native, API-driven architecture is essential for real-time decision-making. He also explains how to shift boards from traditional ROI forecasts to agile, outcome-based governance. It's a candid conversation about resilience, leadership under pressure, and why staying smaller, more agile, and hence, faster can be a lasting competitive advantage.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

In this episode of Making Risk Flow: Exploring the Ecosystem, host Jake Harding speaks with Greg Johnson, CEO of Confianza, and Chief Data Officer John Petricelli about the hidden profitability most carriers overlook. They explore how legacy data strategies leave 20–40% of premium and portfolio value untapped, and why context-driven, niche data sources are reshaping underwriting and renewals. From tenant risk and household composition to commodity-linked replacement costs and behavioural indicators, Greg and John explain how richer inputs create sharper risk selection and pricing accuracy. The conversation also highlights portfolio optimisation as a powerful growth lever, identifying leakage, misclassified exposures, and cross-sell opportunities already within the book. It's a practical discussion on engineering discipline in analytics and building a 360-degree view of risk to unlock measurable competitive advantage.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

This Week's Panel - ElroyOMJ, InigoMontoya80, FreakyRO   Show Discussion - Time flies by as Inigo discusses his latest struggles in gaming. Freaky and Elroy wing it with some Xbox 360 and RTDL game talk.    Games Mentioned: ElroyOMJ - Dead Rising 3, Asura's Wrath, Boss Rush: Mythology, One Step After Fall, Young Justice: Legacy (Xbox 360), Fable Heroes (Xbox 360), Forza Horizon 2 Presents Fast & Furious InigoMontoya80 - Blood Drive (Xbox 360), Aery – Dreamscape, Aery – Sky Castle, Aery – Calm Mind, Geometry Wars (Xbox 360), Super Bowl LX FreakyRO - Minecraft: Xbox 360 Edition, Anodyne, Stunt Paradise, Retro Classics, Super Bowl LX   ----- AH101 Podcast Show Links - https://tinyurl.com/AH101Links Intro music provided by Exe the Hero. Check out his band Window of Opportunity on Facebook and YouTube

In this episode of Making Risk Flow, recorded live at the ITC London 2026 event, host Juan de Castro speaks with Richard Hartley, CEO and Founder of Cytora (now part of Applied Systems), about what it really takes to digitize risk across the entire insurance value chain. They explore why transformation fails when insurers focus on isolated workflows instead of interconnected pain points across agents, brokers, and carriers. Richard breaks down how agentic AI is reshaping underwriting, why risk data must be treated as dynamic rather than static, and how channel-agnostic operating models unlock scale. The conversation offers practical insights on automation, buy-vs-build decisions, and what risk digitization will demand in 2026.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

In this episode of Making Risk Flow: Exploring the Ecosystem, host Jake Harding speaks with Dave Wood, Managing Director at JBA Risk Management, about how AI and deep learning are reshaping catastrophe risk modeling. Dave explains how neural networks can simulate extreme climate scenarios that fall outside historical records, helping insurers better understand compound and tail risks. The conversation also explores why model transparency and rigorous validation are essential as AI adoption accelerates, and how insurers can scale advanced weather simulation without sacrificing accuracy. Dave also shares practical guidance on integrating best-in-class AI tools into existing risk platforms, rather than building everything from scratch  in-house. Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Luzaro ibili dira bere atzetik eta azkenean lortu dute Inigo Etxezarreta “Benetan zabiz?” podcastean izatea. Hogei urteko ibilbidea eta gero aitortu du “Konkista” izeneko albumarekin urduri egon dela, esaten duenez, iruzkin txarrak jaso ditu lehenengo aldiz. Madrilen eta Bartzelonan diskoa aurkezteko egin dituzten kontzertuez hitz egin dute eta musika zuriaz ere bai.Zer da mainstreama izatea? Nolakoa da ETSren sortze-prozesua? Zertan oinarritzen dira? Nola lortu dute fandom berria? Zergatik bilakatu da Inigo taldearen irudi?Hori guztia jakiteko ez galdu atala!

In this episode of Making Risk Flow: Exploring the Ecosystem, host Jake Harding speaks with Duško Radulović, Founder and CEO of Climatig, about how high-resolution climate intelligence is reshaping insurance underwriting and portfolio strategy. Duško explains why moving beyond regional averages to meter-level precision allows insurers to identify true physical risk and price policies more accurately and reduce loss volatility. The conversation explores how machine learning fills critical data gaps for perils like hail and landslides, why climate forecasts must align with policy durations rather than long-term averages, and how transparency and validation build trust in predictive models. The episode offers practical insights into using data-driven climate risk assessment as a competitive advantage for underwriters, MGAs, and portfolio managers. Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

In this episode of Making Risk Flow, host Juan de Castro speaks with Antonio Grimaldi, Partner at McKinsey, about how London Market carriers can unlock growth by redesigning their operating models, not just optimising portfolios. They explore why execution drives the majority of performance, how underwriting workflows must be reimagined to free up judgement-led work, and what the shift towards facilities, MGAs, and alternative distribution means for competitive differentiation. The conversation cuts through the AI hype, outlining a pragmatic buy-versus-build framework and the real cost of “POC purgatory”. Antonio also reframes relationship-based service for 2026, arguing that speed, clarity, and decisive underwriting strengthen broker relationships more than manual processes; especially in a softening market.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

In this episode of Making Risk Flow, host Jake Harding speaks with Evgeny Aleksandrov, Founder and CEO of PilotBird, about why claims accuracy, and not speed, is the biggest lever in modern insurance. Evgeny explains how open-source intelligence and lifestyle analytics help insurers validate claims earlier, uncover organised fraud networks, and avoid costly post-payout recovery. The conversation explores how curated data can mislead adjusters, why a “trust and verify” approach is essential, and how early-lifecycle intelligence delivers outsized returns, often 14–56x ROI. They also discuss how better data tools improve adjuster satisfaction and retention, and what insurers must do to responsibly adopt emerging data sources at scale to future-proof their risk infrastructure.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Nick is joined by John Granger and special guest star Guido in their temporary headquarters as they await the move to Granger Towers. We discuss the revelation that J. K. Rowling has an inherited blood clotting disorder, and speculate that this could be von Willebrand Disease, and discuss what this could mean for a Golden Thread that John first explored more than five years ago. Nick surveys the instances of blood in all her published work, and John identifies a theme that Nick has missed - the Eucharist. Could this be the key to understanding the final narrative arch of the Strike series?Links Discussed in this Episode:The revelation of J. K. Rowling's condition:https://www.hogwartsprofessor.com/j-k-rowling-and-the-roy-phipps-connection/John discusses the Golden Thread on the Reading Writing Rowling Podcast in 2020.https://audioboom.com/posts/7566531-episode-37-troubled-blood-and-the-faerie-queene-strike-5John Granger's book How Harry Cast his Spell exploring the Christian content and meaning in Harry Potter.https://www.amazon.com/How-Harry-Cast-His-Spell/dp/1414321880John's visit to Denmark Street and St Giles-in-the-Fields in 2016.https://web.archive.org/web/20171130161236/https://www.hogwartsprofessor.com/visiting-cormoran-strikes-pub-and-denmark-street-premises-in-london/Victor Turner - Colour Classification in Ndembu Ritual (1966)https://gwern.net/doc/psychology/vision/1966-turner.pdfThe Blood Survey:Harry Potter and the Philosopher's StoneThe word “Blood” appears 33 times.dragon's bloodThe Bloody BaronHarry thought Flint looked as if he had some troll blood in him.One book had a dark stain on it that looked horribly like blood.That's unicorn blood.It put its hand into its pocket and pulled out a blood-red stone.Harry Potter and the Chamber of SecretsThe word “Blood” appears 46 times.not a drop of magical blood in their veins‘Wizard blood is counting for less everywhere –'No Malfoy's worth listenin' ter. Bad blood, that's what it is.‘No one asked your opinion, you filthy little Mudblood,' he spat.who think they're better than everyone else because they're what people call pure-blood.Most wizards these days are half-blood anyway.‘… I smell blood … I SMELL BLOOD!'Harry Potter and the Prisoner of AzkabanThe word “Blood” appears 21 times.‘It all comes down to blood, as I was saying the other day. Bad blood will out. Now, I'm saying nothing against your family, Petunia'Ron and Hermione were standing underneath it, examining a tray of blood-flavoured lollipops.‘BLOOD!' Ron yelled into the stunned silence. ‘HE'S GONE! AND YOU KNOW WHAT WAS ON THE FLOOR?'Harry Potter and the Goblet of FireThe word “Blood” appears 37 times.Now that they had removed their furs, the Durmstrang students were revealed to be wearing robes of a deep, blood red.‘B-blood of the enemy … forcibly taken … you will … resurrect your foe.'I wanted Harry Potter's blood. I wanted the blood of the one who had stripped me of power thirteen years ago, for the lingering protection his mother once gave him, would then reside in my veins, too …Harry Potter and the Order of the PhoenixThe word “Blood” appears 85 times.‘Yoooou!' she howled, her eyes popping at the sight of the man. ‘Blood traitor, abomination, shame of my flesh!'‘Because I hated the whole lot of them: my parents, with their pure-blood mania, convinced that to be a Black made you practically royal‘The pure-blood families are all interrelated,' said Sirius. ‘If you're only going to let your sons and daughters marry pure-bloods your choice is very limited; there are hardly any of us left.‘Terrified? I hope I, Sir Nicholas de Mimsy-Porpington, have never been guilty of cowardice in my life! The noble blood that runs in my veins –'Again and again Harry wrote the words on the parchment in what he soon came to realise was not ink, but his own blood.‘It seems there was some rather unusual kind of poison in that snake's fangs that keeps wounds open. They're sure they'll find an antidote, though; they say they've had much worse cases than mine, and in the meantime I just have to keep taking a Blood-Replenishing Potion every hour.‘While you can still call home the place where your mother's blood dwells, there you cannot be touched or harmed by Voldemort. He shed her blood, but it lives on in you and her sister. Her blood became your refugeHarry Potter and the Half-Blood PrinceThe word “Blood” appears 105 times.‘If I had murdered Harry Potter, the Dark Lord could not have used his blood to regenerate, making him invincible –'Harry had never hated Malfoy more than as he lay there, like an absurd turtle on its back, blood dripping sickeningly into his open mouth.‘My daughter – pure-blooded descendant of Salazar Slytherin – hankering after a filthy, dirt-veined Muggle?'It was as though something large and scaly erupted into life in Harry's stomach, clawing at his insides: hot blood seemed to flood his brainI've learned more from the Half-Blood Prince than Snape or Slughorn have taught me in –'‘Harry, I'd like you to meet Eldred Worple, an old student of mine, author of Blood Brothers: My Life Amongst the Vampires – and, of course, his friend Sanguini.'Blood spurted from Malfoy's face and chest as though he had been slashed with an invisible sword. He staggered backwards and collapsed on to the waterlogged floor with a great splash, his wand falling from his limp right hand.‘Payment?' said Harry. ‘You've got to give the door something?' ‘Yes,' said Dumbledore. ‘Blood, if I am not much mistaken.' ‘Blood?'Harry Potter and the Deathly HallowsThe word “Blood” appears 125 times.As I reveal in chapter sixteen, Ivor Dillonsby claims he had already discovered eight uses of dragon's blood when Dumbledore “borrowed” his papers.'MUDBLOODS and the Dangers They Pose to a Peaceful Pure-Blood Society‘Splinched,' said Hermione, her fingers already busy at Ron's sleeve, where the blood was wettest and darkest.Was it his own blood pulsing through his veins that he could feel, or was it something beating inside the locket, like a tiny metal heart?‘Drop your wands,' she whispered. ‘Drop them, or we'll see exactly how filthy her blood is!'Every drop of magical blood spilled is a loss and a waste.‘Precisely!' said Dumbledore. ‘He took your blood and rebuilt his living body with it! Your blood in his veins, Harry, Lily's protection inside both of you! He tethered you to life while he lives!'Fantastic Beasts and Where to Find ThemThe word “Blood” appears 11 times.The Kappa feeds on human blood but may be persuaded not to harm a person if it is thrown a cucumber with that person's name carved into it.Re'em blood gives the drinker immense strength, though the difficulty in procuring it means that supplies are negligibleSalamander blood has powerful curative and restorative properties.Quidditch Through the AgesThe word “Blood” appears 6 times.The first Bludgers (or ‘Blooders') were, as we have seen, flying rocksThe Tales of Beedle the BardThe word “Blood” appears 5 times.There is not a witch or wizard in existence whose blood has not mingled with that of MugglesCasual VacancyThe word “Blood” appears 97 times.Then pain such as he had never experienced sliced through his brain like a demolition ball. He barely noticed the smarting of his knees as they smacked onto the cold tarmac; his skull was awash with fire and blood; the agony was excruciating beyond endurance, except that endure it he must, for oblivion was still a minute away.All they could get out of her at first was, ‘The Fields, the bloody, bloody Fields …'‘Mrs Weedon's new pills are upsetting her stomach,' said Parminder calmly. ‘So we're doing your bloods today, aren't we?'Sharp, hot pain and the blood came at once; when she had cut herself right up to her elbow she pressed the wad of tissues onto the long wound, making sure nothing leaked onto her nightshirt or the carpet.Some of her self-hatred had oozed out with the blood.Pagford, bloody Pagford. Samantha had never meant to live here.That morning, at breakfast, she had tested her blood sugar with the glucometer for the first time, then taken out the prefilled needle and inserted it into her own belly. It had hurt much more than when deft Parminder did it.Did she find it easier to accept him as a separate individual than if he had been made from her flesh and blood? Her glucose-heavy, tainted blood …The Cuckoo's CallingThe word “Blood” appears 64 times.Her accidental assailant was massive; his height, his general hairiness, coupled with a gently expanding belly, suggested a grizzly bear. One of his eyes was puffy and bruised, the skin just below the eyebrow cut. Congealing blood sat in raised white-edged nail tracks on his left cheek and the right side of his thick neck, revealed by the crumpled open collar of his shirt.Perhaps a knife would plunge between his shoulder blades as he walked through the front door of her flat; perhaps he would walk into the bedroom to discover her corpse, wrists slit, lying in a puddle of congealing blood in front of the fireplace.‘Pushing someone over a balcony's a spur-of-the-moment thing,' said Strike, as though he had felt her inner wince. ‘Hot blood. Blind temper.'When Lucy's lips were pursed she bore a strong resemblance to their Aunt Joan, who was no blood relation to either of them.You're a cold-blooded b*****d, aren't you? No f*****g wonder old Jonny's not keen on you.'Strike, however, knew Charlotte as intimately as a germ that had lingered in his blood for fifteen yearsSergeant Gary Topley lying in the blood-spattered dust of that Afghanistan road, his face unscathed, but with no body below the upper ribs.The SilkwormThe word “Blood” appears 140 times.Message after message, stuck out on the bloody cliffs at Gwithian trying to get reception—Strike had never taken the time to consider, although Polworth, a man of many pithy theories, took the view that such women (‘nervy, overbred') were subconsciously looking for what he called ‘carthorse blood'.‘—and she says he won't let them sell. There was bad blood between Fancourt and Quine.'Strike would have advised any friend to leave and not look back, but he had come to see her like a virus in his blood that he doubted he would ever eradicate‘So much for love being a mirage and a chimera,' sighed Mrs Ellacott as she tossed down her pen. ‘This is no good. I wanted blood and guts, Michael. Blood and guts.'Career of EvilThe word “Blood” appears 115 times.He had not managed to scrub off all her blood. A dark line like a parenthesis lay under the middle fingernail of his left hand.He was good at reading people. He had read and charmed the girl who had died yesterday among the blood-soaked peach towels.“He doesn't like talking about personal stuff. Blood out of a stone.”On a high metal table sat a pillow in a plastic evidence bag; it was covered in dark brown bloodstains. A cardboard box next to it contained bottles of spirits. Where there was bloodshed, there was always alcohol.Strike remembered the wide patch of blood on the sheets, the excoriated skin on her wrist where Rhona had tried to free herself.Nevertheless, those long hours of driving through the darkness when he had known an encounter with the police might be fatal, when he had feared a request to turn out his pockets or a shrewd-eyed passenger noticing dried blood on him had taught him a powerful lesson.He was wearing a yellow T-shirt and on his right forearm was the rose tattoo, which had undergone a modification: a dagger now ran through it, and drops of blood fell out of the flower towards the wrist.If they'd been five minutes later she'd've been a goner. It took two blood transfusions to keep her alive.Lethal WhiteThe word “Blood” appears 143 times.He had been left with a deep dislike of being driven by anybody else and, to this day, with dreams of blood and agony that sometimes woke him, bathed in sweat.She could imagine Raphael bloody at the steering wheel, and the broken figure of the young mother on the road, and the police cars and the incident tape and the gawpers in passing cars.“Last night, when he was stoned. He said he knew a government minister who had blood on his hands.”“Would you mind waiting outside the curtain? We need to take bloods, change his drips and his catheter.”Strike could taste blood, but, from what he could see, the splintered and torn remnants of Jimmy's placard had been scattered by the mêlée.There was a piece of thick cream writing paper headed with a red Tudor rose, like a drop of blood, and the printed address of the house in which Robin stood.The old knife wound on her arm had been gaping open and it was the trail of her spurting blood that her pursuers were following, and she knew she would never make it to the place where Strike was waiting for the bag of bugs . . .‘She come into the yard, seen what had happened, ran towards Mr Chiswell, grabbed the hammer and just swung for him. Blood everywhere. It was horrible,'Troubled BloodThe word “Blood” appears 171 times.“Yeah, well, blood and soil's never been my—”She'd heard stories that Ilsa gave titles like cheap thrillers: the Night of the Bread Knife, the Incident of the Black Lace Dress and the Blood-Stained Note.She believed, I think, like Suhrawardy, that ‘bloodshed and disorder are not necessarily evil in themselves, if resorted to for a noble cause.'”And even in the seventies, before DNA testing, the police did pretty well with fingerprints, blood groups and so forth.“Anyway, one of the things she told Lawson was that she'd sponged blood off the spare-room carpet the day Margot disappeared.“According to Roy, the age difference and the blood relationship ought to have constituted a total prohibition on the relationship in the minds of all decent people. But as we know, he managed to overcome those qualms seven years later.In the second week of November, Joan's chemotherapy caused her white blood cell count to plummet dangerously, and she was admitted to hospital.She'd only once in her life had to face the possibility that she might be pregnant, and could still remember the relief that had flooded her when it became clear that she wasn't, and wouldn't have to face still more contact with strangers, and another intimate procedure, more blood, more pain.“But there was something bloodless about the man. Not wet exactly, but—” Oonagh gave a sudden laugh. “‘Bloodless'—you'll know about his bleeding problem?”The demon he “saw” was carrying a cup of blood and a sword.‘She – never seemed – to remember – that I couldn't – protect her – couldn't – do anything – if somebody tried – to hurt – because I'm a useless – bleeder … useless … bloody … bleeder … 'A few pages inside was a brown smear. Strike halted the cascade of pages to examine it more closely. It was, he suspected, dried blood, and had been wiped across a few lines of writing.This I will say more, to wit, that those who walk in their sleep, do, by no other guide than the spirit of the blood, that is, of the outward man, walk up and down, perform business, climb walls and manage things that are otherwise impossible to those that are awake.She'd taken the full force of Strike's elbow between her eyebrows, and she realised her nose was bleeding only when she accidentally sprayed blood onto the kind American's white shirt front.‘It – was – a – f*****g – joke,' said Morris, examining the blood smeared on his hands. ‘I only meant to make you jump – f**k's sake—'The Ink Black HeartThe word “Blood” appears 214 times.There was bad blood between Strike and Mitch Patterson, the boss of the agency in question, which dated back to the time Patterson had put Strike himself under surveillance.‘Thanks – I ripped off a nail opening the last one. Yeah, so she was banging on about blood diamonds, and I…'Having explained the Christian symbolism of the pelican, which was feeding her chicks with her own blood, Groomer wondered aloud whether Legs was ready for a coffee‘Second letter of the alphabet, eighth letter: BH. Stands for blood and honour. Blood and Honour are a neo-Nazi skinhead group.'Might still be a bit of Edie's blood on the grass. You could frame it. Sell it on eBay.Vilepechora: I fkn love a redhead. Proper Viking bloodStrike parked, then used the old man's handkerchief and his own saliva to remove from his face all traces of blood, of which there was a surprising amount.Red Soles lay where he'd been deposited on the platform, blood trickling from his inner ear.They fort there was a vampire in the real cemetery, in the seventies. Edie fort it was corny, 'avin' a vampire, but I drew 'im so she could see what I was finking. I wanted 'im to be inept, like, tryna kill tourists but never gettin' enough blood to live on, so 'e was, like, weak an' feeble…'‘Julius Evola. Far-right philosopher. Ludicrous racial theories. A rather determinedly eccentric classmate of mine at Radley was partial to him. Used to carry The Myth of the Blood around and read it ostentatiously at meal times.It was impossible to know whether Ross had turned pale, because the man had always looked as though antifreeze ran in his veins rather than blood, but he'd certainly become unnaturally still.Robin stamped hard on his bare foot before both slipped in another puddle of Inigo's blood.As the door shuddered, Robin saw, by the dim glow from a skylight, Katya slumped on the floor beside the bath, blood all over the hands she was pressing against her stomach.The Running GraveThe word “Blood” appears 194 times.It's important to say that my mother – I was raised to call her Louise, because the UHC forbids naming blood relationships – isn't stupid.It'll have been used for chopping wood, but Oisin was convinced it had blood on it. We couldn't get it out, though. We couldn't reach.I don't know what's normal for a birth but she seemed to lose a huge amount of blood. I was present when the baby was actually born because one of the birthing team couldn't cope any more and I volunteered to take her place.Strike's imagination insisted on showing him a vivid picture of Charlotte submerged in her own blood, her black hair floating on the clotted surface.There was a puddle of blood seeping from under one of the toilet cubicle doors. She could see Lin's bloodstained legs, which weren't moving.They committed nine murders in all, one of them of a pregnant actress, and those young women were right in the thick of the action, ignoring the victims' pleas for mercy, dipping their fingers in the victims' blood to scrawl – Jesus,' said Strike, with a startled laugh, as he remembered a detail he'd forgotten, ‘they wrote “pigs” on the wall as well. In blood.'The Hallmarked ManThe word “Blood” appears 246 times.Some might have considered her flat tone insensitive, given Charlotte's recent death in a blood-filled bathtub, but as Strike was more than happy to dispense with prurient questions or faux sympathyThe body was blood group A positive – that's the same.‘The splash patterns from the blood were un-fakeable, according to forensics. There was also a partial footprint that had clearly been made while the blood was still liquid.'The back wall broke the monotony of the sea of silver, because it displayed many antique aprons and sashes embroidered in gold, and Robin's eye lingered on an apron embroidered with a bloody severed head, held up by a single hand.‘Yeah, somefing like… an' 'e dropped 'is doob tube, remember, Daz? An' 'e told you it was a f****n' blood sample, like you was gonna nick it off 'im.'Previously a Conservative MP, he now headed various charitable and political organisations and committees, was ever-ready with a quote for the papers, sprinkled his conversation with Latin tags and capitalised to the full on the English public's weakness for a toff who seemed ready to laugh at himself, having a fondness for appearing on political quiz shows, where he played to the hilt the part of genial, bumbling blue-blood.Blood must've started pooling in the lower part of the body before they started to mutilate it. Maybe that was deliberate. Maybe they didn't want blood seeping out under the vault door.'As Strike watched, life and blood started to drain from the brindle, its legs twitching ever more feebly as blood flooded from its jugular.Robin took the turn into the road at speed, then looked sideways at Strike, one of whose hands was pressed to his inner thigh, blood seeping through his fingers.The bodies of Jim Todd and a woman Strike assumed to be his mother, Nancy, were lying on the dirty carpet in a foul miasma encouraged by the gas fire that continued to blaze. Todd, who was fully dressed, had been stabbed multiple times. His now black blood had soaked his shirt and the floor beneath himBlood now gushing from his head wound, Strike succeeded in grabbing the wrist of Griffiths' knife-holding hand, then slammed it down on the rough concrete floor,He could feel a weird coldness, as though flesh that had never been exposed to fresh air was meeting it for the first time, and this contrasted unpleasantly with the continuing flow of warm blood.Possibly combining heavy blood loss and neat whisky hadn't been the very best idea, Strike was prepared to concede that now, but he had to keep talking, because he wanted the man to know he knew.The IckabogThe word “Blood” appears 11 times.‘If Beamish was half-eaten, why wasn't there more blood?' asked the second.soldiers who'd been sent back to the marsh to find out what happened to Private Nobby Buttons had discovered nothing but his bloodstained shoes, a single horseshoe, and a few well-gnawed bones.Finally, the same man cut off the head of one of the hens and made sure plenty of blood and feathers was spread around, before breaking down the side of the coop to allow the rest of the chickens to escape.In hundreds, Ickabogs were slain, Our blood poured on the land like rain, Our ancestors like trees were felled And still men came to fight us.The Christmas PigThe word “Blood” appears 2 times.They all seemed to be bits of humans. Some were mouths: one was loudly chewing gum and others smoking stinking cigarettes, which made the glowing red dots and the nasty smell. There were noses, ears, a single finger, its nail chewed to a bloody stub, several oozing spots which were so disgusting Jack could barely look at them, and a couple of fists, which were pounding the ground in a menacing fashion as though they couldn't wait to start hitting someone.The Cursed ChildThe word “Blood” appears 22 times.ALBUS (with power and strength) No, you need to listen to me, you said it yourself – how much blood is on my father's hands. Let me help you change that. Let me help correct one of his mistakes. Trust me.POLLY CHAPMAN The Blood Ball of course – who you – the Scorpion King, are taking to the Blood Ball.POLLY CHAPMAN Mudbloods of course. In the dungeons. Your idea, wasn't it? What's going on with you? Oh Potter, I've got blood on my shoes again . . .DRACO We were capable of having children, but Astoria was frail. A blood malediction, a serious one. An ancestor was cursed . . . it showed up in her. You know how these things can resurface after generations . . .Fantastic Beasts (Screenplay)The word “Blood” appears 2 times.Fantastic Beasts and the Crimes of GrindelwaldThe word “Blood” appears 20 times.A baby Chupacabra—part lizard, part homunculus, a blood-sucking creature of the Americas—is chained to GRINDELWALD'S chair.SKENDER Once trapped in the jungles of Indonesia, she is the carrier of a blood curse. Such Underbeings are destined, through the course of their lives, to turn permanently into beasts.We see TEENAGE DUMBLEDORE and TEENAGE GRINDELWALD facing each other in a barn. Both score their palms with their wands. Now bleeding, they interlace their hands . . .DUMBLEDORE turns his head away, fighting the impulse to cover the glass again. Bracing himself, he looks up.From their bloody palms rise two glowing drops of blood, which mingle and merge to create one. A metal shape begins to form around the droplet, becoming more defined and intricate. It is GRINDELWALD'S vial.NEWT It's a blood pact, isn't it? You swore not to fight each other.Fantastic Beasts and the Secrets of DumbledoreDumbledore stares at him, then slowly brings a hand into view and reveals: the BLOOD TROTH. As he cradles it, its chain slowly slithers between Dumbledore's fingers, as if alive.Theseus nods, eyeing the troth, watching as the DROPLETS OF BLOOD circle one another like weights in a clock.The blood troth flashes red and flies free, caroming off the floor and to the wall. As he draws his wand, taking aim, the troth's chain, still tethered to his arm, constricts, burrowing deep into his flesh.CREDENCE I'm a Dumbledore. You abandoned me. The same blood that runs my veins runs yours. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit hogwartsprofessor.substack.com/subscribe

This Week's Panel - ElroyOMJ, InigoMontoya80   Show Discussion - This week's main offerings include the second consecutive week that Elroy has talked about a real game with real TAD in Hell Let Loose while Inigo relives his youth with a vroom vroom game featuring big tires and lift kits. The second dose has more than meets the eye with a terrible Transformer game with a thoughtful achievement title in it and a generic beat em up that is narration manifest!   Games Mentioned: Elroy - Hell Let Loose, Doodle Harmony, Heroes of Mount Dragon InigoMontoya80 - Monster Jam Showdown, Doodle Harmony, Transformers: Battlegrounds ----- AH101 Podcast Show Links - https://tinyurl.com/AH101Links Intro music provided by Exe the Hero. Check out his band Window of Opportunity on Facebook and YouTube

Watch the FULL podcast here: https://youtu.be/7kfykswH6IoThis clip explores how to identify zone two intensity without relying on a wearable. I discuss the link between breathing rate, conversation ability and the underlying metabolic changes that define this training zone. We take a closer look at why many people unintentionally drift into higher intensities, suppress fat oxidation and struggle to lose weight despite working hard. The conversation also touches on fat max, mitochondrial function and the practical implications for long-term weight management.***This episode is sponsored by: NOWATCH: Health tracking reimaginedKnow your body, trust yourself.15% off with code LWBW15 at nowatch.com***Sign up to Sarah's Compassionate Cure newsletter: Science Simplified, Health Humanised. Join thousands in exploring actionable insights that prioritise compassion, clarity, and real-life impact. https://sarahmacklin.substack.com/***Let's be friends!

Welcome to a special end-of-the-year series on Making Risk Flow as we count down the weeks to the end of 2025. The series is a collection of our top episodes from this year. Each Tuesday, we will re-release one standout episode as we build up to releasing our top fan favourite on the last Tuesday.In this episode replay, host Juan de Castro sits down with Carl Bach, CEO of Hartford Underwriting Agency, about how a 200-year-old insurer is modernising for the future. They discuss Hartford's brand refresh, maintaining its historic stag emblem while evolving its global identity. Carl outlines the company's strategic transformation since 2019, which is focused on streamlining operations and ramping up specialisation in marine, energy, and financial lines. The conversation also covers Hartford's international growth ambitions through Lloyd's syndicate 1221, its approach to serving diverse market segments, and its use of AI and intelligent document processing in underwriting. Carl shares insights on balancing tradition with innovation, underscoring Hartford's values, especially "own it with pace," as the company embraces change and seizes new opportunities in a fast-evolving industry.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Welcome to a special end-of-the-year series on Making Risk Flow as we count down the weeks to the end of 2025. The series is a collection of our top episodes from this year based on views, downloads, and overall engagement. Each Tuesday, we will re-release one standout episode as we build up to releasing our top fan favourite on the last Tuesday.In this episode, host Juan de Castro sits down with Marcus Ryu, former CEO and current strategic adviser at Guidewire Software. Marcus shares his journey from management consulting to co-founding one of the leading software providers for the property and casualty insurance industry. He offers candid insights into the trials and triumphs of entrepreneurship, including pivotal moments such as navigating a competitive lawsuit and transitioning to the public markets.A central aspect of Marcus's story is Guidewire's contrarian belief in the power of vertical solutions. By developing mission-critical software tailored to the specific needs of the P&C insurance sector, Guidewire revolutionized how insurers manage claims, policies, and billing. Now a partner at Battery Ventures, Marcus discusses how his experiences at Guidewire inform his approach to investing in the next generation of startups. From the importance of customer-centricity to leveraging technology to solve real-world problems, this conversation is packed with actionable insights for founders and industry professionals alike.Whether you're revisiting the episode or viewing it for the first time,  this episode offers tactical guidance for actionable insights for founders and industry professionals alike.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Welcome to a special end-of-the-year series on Making Risk Flow as we count down the weeks to the end of 2025. Each Tuesday, we will re-release one standout episode as we build up to releasing our top fan favourite on the last Tuesday. In this episode, Juan de Castro is joined by his colleagues, Rich Lewis, Cytora's Sales Director, and Zaheer Hooda, Head of North America, for a deep dive into what makes proof-of-concept (POC) initiatives in risk digitisation succeed or fail.Drawing on firsthand experience from working with leading carriers, they break down five essential capabilities insurers need to get right when implementing digitisation initiatives, from extraction accuracy and full-spectrum intake handling to scalable deployment and human-in-the-loop exception management.They also provide a practical, inside look at how insurers structure effective proof of concept processes, including live workshops, data preparation, success metrics, and how to align POC design with measurable business outcomes.Whether you're revisiting the episode or viewing it for the first time,  this episode offers tactical guidance to ensure your technology investments deliver meaningful impact.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

This Week's Panel - ElroyOMJ, InigoMontoya80   Show Discussion - An enchanting discussion of multiple games as Elroy fights off gtasc depression and Inigo fights off Elroy's terrible internet connection. In the end they can agree on two games to play that are none of the games they discussed and definitely not Godzilla on the NES.   Games Mentioned: Elroy - Gigabash, Godzilla: Monster of Monsters (NES), God of Rock, Who's Your Daddy, DEEEER Simulator: Your Average Everyday Deer Game InigoMontoya80 – Yet Another Zombie Defense HD, Red Dead Redemption 2, Road to Exotics, Infinity Runner, Aquapark io ----- AH101 Podcast Show Links - https://tinyurl.com/AH101Links Intro music provided by Exe the Hero. Check out his band Window of Opportunity on Facebook and YouTube

Watch the FULL podcast here: https://youtu.be/7kfykswH6IoAre you getting the balance between Zone 2 and HIIT right? I'm exploring how an 80/20 split by sessions, with most training at lower intensity and select high-intensity work, supports results without burning you out.This clip explores why all-HIIT programs often feel unsustainable and can lead to fatigue or injuries, what 80/20 really means when you count sessions rather than minutes, and why only about 5 to 10 percent of total minutes across a season tend to be truly high intensity in athletic programs. We discuss how Zone 2 should be harder than easy cruising to drive mitochondrial adaptations, practical ways for busy people to blend mostly Zone 2 with a small dose of intensity toward the end of some sessions, and why complete off days can be more restorative than so-called active recovery. I also share my experience of feeling awful doing fasted HIIT, and we touch on how women may find certain efforts tougher due to muscle fibre differences related to ATP production. As a nutritionist and health communicator, I connect the training plan with recovery needs, including the role of rest for immune health.***This episode is sponsored by: NOWATCH: Health tracking reimaginedKnow your body, trust yourself.15% off with code LWBW15 at nowatch.com***Sign up to Sarah's Compassionate Cure newsletter: Science Simplified, Health Humanised. Join thousands in exploring actionable insights that prioritise compassion, clarity, and real-life impact. https://sarahmacklin.substack.com/***Let's be friends!

Jonathan Moore joins Fr Toby for a fascinating discussion about his play, Inigo, still being performed around the world 10 years after its debut. In this episode Jonathan have a fascinating and wide-ranging discussion around artistic inspiration and the relation between faith and art.THE FRIARSIDE airs live on Radio Maria on Mondays and Tuesdays at 11.15am and is rebroadcast at 11.15pm on the same days. Radio Maria's priest director Fr Toby hosts special guests, reads spiritual books and talks everything from Aquinas to philosophy, making a wide range of content accessible for everyone. If you enjoyed this programme, please consider supporting us with a one-off or monthly donation. It is only through the generosity of our listeners that we are able to be a Christian voice by your side. ⁠www.radiomariaengland.uk⁠

In this episode of Making Risk Flow, host Jake Harding speaks with Matthew Grant, founder and CEO of Instech and a veteran of 33 years in catastrophe modelling. Matthew unpacks why insurance's cautious approach to AI is more strategic than sceptical. Together, they explore how carriers can align technology adoption with real business problems, build trust in new data sources, and drive operational efficiency without disrupting core workflows. Matthew explains why consistency in user interfaces can mask major capability leaps, how to focus on outcomes rather than perfection in data quality, and why the industry's measured pace reflects deep risk intelligence. The conversation offers insurers a clear roadmap on how a purposeful adoption of AI and cultural innovation can drive a durable competitive advantage.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Watch the FULL podcast here: https://youtu.be/7kfykswH6IoThis clip explores why VO2 max, despite being a long-standing marker of fitness, does not capture the full picture of our metabolic and longevity potential. We take a closer look at how oxygen is actually used at the cellular level and why mitochondrial function is emerging as the next frontier in understanding performance and healthy ageing.The discussion moves into how mitochondrial health can be assessed in a practical, non-invasive way, including the use of gas exchange measures and lactate as proxies for cellular efficiency.***This episode is sponsored by: NOWATCH: Health tracking reimaginedKnow your body, trust yourself.15% off with code LWBW15 at nowatch.com***Sign up to Sarah's Compassionate Cure newsletter: Science Simplified, Health Humanised. Join thousands in exploring actionable insights that prioritise compassion, clarity, and real-life impact. https://sarahmacklin.substack.com/***Let's be friends!

In this special compilation episode of Making Risk Flow, host Juan de Castro revisits conversations with the industry leaders who shaped Season 7. Join Allison Thornicroft, Yaemish Rughoo, Mark Allan, Greg Hendrick, Bilge Mert, Jean-Jacques Henchoz, and Lambros Lambrou to explore why speed and efficiency matter in commercial insurance, how AI and technology are reshaping underwriting workflows, and the key strategies insurers are using to standardize processes and drive real value for clients. Discover how top carriers are accelerating quote-to-bind cycles, modernizing underwriting workflows, and redefining the insurance operating model for real impact.Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

"Dan hebben ze misschien iets meer honger in Afrika, maar hier niet”, stelde Geert Wilders in een van de verkiezingsdebatten. Het was de slotzin van een betoog om te bezuinigen op ontwikkelingssamenwerking, een potje dat zo langzamerhand toch een keer leeg moet zijn, als je ziet hoe vaak daar al niet geld uitgehaald is.  Hoe walgelijk de uitspraak ook, het appelleert aan een vraag die je wel met recht kan stellen: zit er een grens aan de compassie die je kan hebben met anderen, als het jezelf gaat raken?  “'U interesseert me niet.' Geen mens kan die uitspraak doen zonder een wreedheid te begaan en de gerechtigheid te schenden” stelde de Frans-joodse filosofe Simone Weil. In haar denken en leven streefde zij radicale compassie na.  Wat waren Weils inspiratiebronnen voor deze levenshouding? En welke rol spelen emoties hierbij?  In deze aflevering van de Podcast Filosofie kijken we naar compassie, door de bril van Simone Weil. Dat doen we in samenwerking met het Titus Brandsma Instituut en stichting Socires. Naar aanleiding van de intellectuele biografie van Titus Brandsma, geschreven door Inigo Bocken. Allard en Inigo ontvangen Frits de Lange, emeritus-hoogleraar ethiek aan de Protestantse Theologische Universiteit en auteur van Simone Weil, In alles tot het uiterste.  Simone Weil kun je kennen van de eerdere aflevering die wij over haar maakten, met Marc de Kesel. Een linkje naar deze aflevering vind je hier.

We often think fitness is about pushing harder. More miles. More sweat. More effort.But what if the real secret to lifelong performance and metabolic health lies not in intensity, but in understanding the quiet signals your body sends every day?This week on Live Well Be Well, I'm joined by world renowned physiologist Dr. Iñigo San Millán, director of performance for UAE Team Emirates and one of the leading experts in mitochondrial health, endurance physiology, and chronic metabolic disease. Iñigo has spent decades studying elite athletes and everyday patients, and his work reveals a striking truth. The systems that help world champions thrive are the same systems that protect us from illness, fatigue, and burnout.We explore the science behind training zones, lactate, and metabolic flexibility, but also the human side of energy, longevity, and self trust. Because understanding your physiology is not only about performance. It is about reclaiming your capacity to feel strong, stable, and well in your own life.Here's What We Dive Into:- How mitochondria underpin long-term health and signal metabolic resilience.- Why Zone 2 training improves energy stability and protects against chronic disease.- What lactate truly reveals about your physiology beyond exercise performance.- How elite athletes teach us about metabolic dysfunction and adaptation.- Why nutrition shapes mitochondrial function and insulin sensitivity.- What drives burnout and fatigue at the cellular level and how to reverse it.- How to train smarter by listening to heart rate, breath, and internal cues.- Why most people are unintentionally overtraining or undertraining and how to find balance.Love,Sarah Ann

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.In this episode of Making Risk Flow, host Jake Harding speaks with Ross Wirth, Head of Strategic Tech Ecosystem at CyberCube, about why cyber insurance requires a new playbook for risk assessment. Ross explains how traditional underwriting struggles to keep pace with dynamic security environments, and why real-time data visibility is now essential for identifying concentration risk, single points of failure, and systemic exposures like cloud outages. The conversation explores shifting from static applications to continuous monitoring, balancing AI-driven insights with human judgment, and designing underwriting strategies that prioritise prevention over post-incident repair. Whether you're an underwriter, broker, or cyber risk leader, this episode offers practical guidance on using data intelligently while preserving the relationship-driven core of insurance.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.In this episode of Making Risk Flow, Juan de Castro sits down with Mark Allan, CEO of Ki Insurance, to explore how a digital-first, data-led approach is transforming underwriting in the London market. Mark shares how Ki combines algorithmic precision with human expertise to underwrite individual risks at unprecedented speed, while maintaining portfolio-level oversight.This episode explores Ki's mission-driven culture, the challenges of blending technology and insurance talent, and how partnerships with brokers and carriers are amplifying the impact of their platform. From building a billion-dollar business to enabling a more seamless, data-driven flow of risk, Mark explains how Ki is reshaping the ecosystem and setting a new standard for efficiency, collaboration, and innovation in insurance.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.Welcome to a new episode of Making Risk Flow: Exploring the Ecosystem. Our host Jake Harding welcomes Alan Ringvald, CEO and co-founder of Relativity6, to unpack how AI and multi-source data are redefining underwriting. Together, they explore why insurers must move beyond generic AI tools toward workflow-specific solutions that integrate seamlessly into real underwriting environments.Alan shares how intelligent data aggregation can empower underwriters with trusted, actionable insights, without adding complexity, and why automation is now essential to handle rising submission volumes profitably. The conversation highlights a future where AI enhances, rather than replaces, human judgment, creating a true partnership between people and machines. Discover how early adopters of intelligent automation will lead the next era of efficient, insight-driven insurance.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Catastrophe models have come a long way - but are decision-makers keeping up? In this panel from InsTech's The future of catastrophe risk: where science meets reality, Alice Kaye (Inigo), Caroline McMullan (Verisk) and host Dickie Whitaker (Oasis LMF) confront the challenges of turning sophisticated risk models into clear, actionable decisions. Together, they explore why uncertainty is often more valuable than the average, how human biases still cloud our understanding of extreme events, and what's needed to close the communication gap between modellers, underwriters and boards. This conversation gets real about the behavioural, structural and cultural shifts the insurance industry must make to better navigate risk in an increasingly volatile world. What you'll learn in this episode: Why point estimates often mislead decision-makers - and how scenarios can bring data to life The role of behavioural bias in catastrophe risk assessment (think hindsight, anchoring and mean reversion) How leading insurers like Inigo are integrating model outputs into daily underwriting and board-level strategy The importance of early-career training to build confidence in managing uncertainty How the interface between climate science, data science and vulnerability modelling is evolving Why pre-competitive collaboration with academia is critical for the industry's future If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. Continuing Professional Development This InsTech Podcast Episode is accredited by the Chartered Insurance Institute (CII). By listening, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Identify gaps in skills and training that hinder effective risk modelling and decision-making. Produce more informed underwriting decisions by integrating multiple views of risk. Summarise best practices for bridging the gap between research, modelling and commercial application. If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 379 page of the InsTech website or email cpd@instech.co to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.In this episode of Making Risk Flow, host Juan de Castro welcomes Lambros Lambrou, Chief Strategy Officer at Aon, to explore how one of the world's largest insurance brokers is transforming risk management through data, AI, and innovation. They discuss how global megatrends, trade, technology, weather, and workforce are reshaping the insurance landscape and why a shift from traditional risk protection to enabling upside growth is crucial. Lambrou explains how Aon's “One Data Lake,” Risk Analyzers, and Broker Copilot tools provide real-time, predictive insights that help clients make smarter decisions across property, casualty, cyber, and health insurance. The conversation highlights the importance of breaking down silos, aligning teams around client outcomes, and leveraging technology to deliver integrated, intelligent risk solutions worldwide.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Art World Infamy is a special series from the team behind The Art Angle, investigating the scandals and schemes that have rocked the art world. In the first chapter, told over four episodes, senior market reporter Eileen Kinsella unravels the rise and fall of dealer Inigo Philbrick. After months on the run, U.S. authorities finally tracked Inigo Philbrick to a remote island nation in the South Pacific: Vanuatu, a tropical archipelago more than 9,000 miles from London and a world away from the art fairs and galleries where he once thrived. What followed was a scene straight out of an action thriller: a dramatic arrest, a secretive extraction by private jet—at the height of the pandemic, no less—and a return to face justice, along with tens of millions in claims from furious investors and collectors. In this fourth and final episode, we uncover what happened in the months after Philbrick disappeared and how his high-flying double life came to an abrupt end. Law enforcement officials and art-world insiders weigh in on how they found him, what it takes to prosecute art fraud—and whether a man like this could ever make a comeback in the art world.

Art World Infamy is a special series from the team behind The Art Angle, investigating the scandals and schemes that have rocked the art world. In the first chapter, told over four episodes, senior market reporter Eileen Kinsella unravels the rise and fall of dealer Inigo Philbrick.   After a bombshell $13 million lawsuit from angry collectors, Inigo Philbrick vanished. What followed was a cascade of international claims from clients who had entrusted him with millions, drawn in by his supposed Midas touch in the art market. From art fairs to gallery openings to gala dinners, the question on everyone's lips was the same: Where's Inigo? In this third episode, we examine the fallout from Philbrick's fraudulent deals, and the frenzy that erupted in the art world after his sudden disappearance.

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.In this episode of Making Risk Flow, host Juan de Castro welcomes Graham Blackwell, President of Applied Systems, to explore the transformative power of technology in insurance. They discuss how Applied Systems and Cytora are joining forces to streamline workflows, reduce manual processes, and enhance collaboration between brokers and carriers. From reimagining commercial submissions to maximising “hero work,” Graham shares insights on leveraging AI to create a seamless, efficient, and connected insurance ecosystem. Discover how Applied Systems evolved into a market leader, the role of AI in eliminating mundane tasks, and the strategic vision for integrating agency workflows, carrier connectivity, and automation to accelerate insurance processes and empower professionals across the industry.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Art World Infamy is a special series from the team behind The Art Angle, investigating the scandals and schemes that have rocked the art world. In the first chapter, told over four episodes, senior market reporter Eileen Kinsella unravels the rise and fall of dealer Inigo Philbrick.   Long before headlines exposed his $86 million fraud, Inigo Philbrick was just another ambitious intern at one of the most powerful galleries in the world. Then a student at Goldsmiths College, Philbrick caught the attention of legendary dealer Jay Jopling and landed a coveted internship at White Cube—the gallery that defined 1990s London, and launched the YBAs (Young British Artists) including Damien Hirst and Tracey Emin. In this second episode, we explore how Philbrick so quickly ingratiated himself into the upper echelons of the art world that, within just a few years, he was running his own eponymous gallery. With hindsight, were there early warning signs of what was to come that the art world failed to see?

What would happen if the next hurricane wasn't just stronger but completely off the scale? Are we prepared for a Category 6 event, and would it even show up in our models? In this panel discussion from InsTech's July evening event The future of catastrophe risk: where science meets reality, supported by Inigo, Ruth Petrie leads a conversation on how insurers are responding to more extreme, uncertain and fast-changing catastrophe risks. Featuring: Emma Watkins, Catastrophe Risk Leader Chris Weller, Head of Exposure Management, Inigo Tom Philp, CEO, Maximum Information Together, they challenge the assumptions behind traditional catastrophe modelling, explore the limits of the Saffir-Simpson scale and ask whether imagination, not just data, will define the future of risk management. In this conversation, the panel explores: Whether the industry should move beyond Cat 5 and how we define “extreme” risk Why flood, surge and rainfall are often more damaging than wind alone How climate change is altering where and how storms form — and what we can predict What insurers can (and can't) do in the face of rapid intensification Why demand surge, rebuild costs and politics are now central to loss estimation What kind of event would truly “shake” the insurance market — and why This is essential listening for exposure managers, underwriters, brokers and risk leaders looking to challenge conventional thinking and prepare for what's next. If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. Continuing Professional Development This InsTech Podcast Episode is accredited by the Chartered Insurance Institute (CII). By listening, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Identify where insurers remain unprepared for rapid intensification and other emerging storm behaviours. Produce a more complete view of catastrophe exposure by integrating hazard, vulnerability and socio-economic factors. Summarise the panel's recommendations for improving risk communication, preparedness and resilience across the industry. If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 375 page of the InsTech website or email cpd@instech.co to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

Art World Infamy is a special series from the team behind The Art Angle, investigating the scandals and schemes that have rocked the art world. In the first chapter, told over four episodes, senior market reporter Eileen Kinsella unravels the rise and fall of dealer Inigo Philbrick. What happens when you mix staggering sums of money with opaque financial deals in the high-stakes world of art? Welcome to Art World Infamy, a new podcast mini-series about the scandals and larger-than-life figures that have gained industry notoriety. We begin with a four-part investigation into how Inigo Philbrick climbed to the top of the art world—and how it all unraveled. Once hailed as a wunderkind dealer, Philbrick leveraged personal connections and the soaring contemporary art market to build what looked like an unstoppable career. But his fortunes hinged on deception, and once uncovered, the losses were staggering. In this opening episode, we'll trace the convoluted deals that propelled Philbrick to the top, and would eventually lead to a spectacular collapse that left collectors and investors out of tens of millions of dollars.  

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.In this special compilation episode of Making Risk Flow, host Juan de Castro revisits our conversations with industry leaders Carl Bach, Johan Slabbert, Bettina Dietsche, Cassandra Vukorep, and others to explore how digital transformation and AI are revolutionising the commercial insurance sector. This episode provides a discussion on efficient operating models, integrating external and historical data for better risk assessment, and balancing automation with human expertise. Our featured guests share insights on scaling AI adoption, building future-ready teams, and tackling the complexities of data standardisation. With a focus on practical implementation and change leadership, this episode offers valuable guidance for insurance professionals navigating the evolving landscape of risk, technology, and human capital.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.In this episode of Making Risk Flow, host Juan de Castro is joined by Jean-Jacques Henchoz (JJ), Non Executive Director, Brit Insurance  and a non executive director across the insurance value chain, to explore the future of insurance. With over 25 years of industry experience, JJ shares his perspectives on how insurers can remain relevant by addressing protection gaps, improving affordability, and embracing cultural and technological transformation. The discussion highlights how AI, automation, and innovation are reshaping customer experience while reducing inefficiencies. Juan and JJ also examine the importance of attracting tech-savvy talent, breaking down silos, and fostering collaboration across the sector. Packed with insights, this conversation offers a roadmap for insurers seeking to stay customer-centric and resilient in a rapidly evolving world.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.In this episode of Making Risk Flow, host Juan de Castro speaks with Bilge Mert, Chief Technology and Transformation Officer at Brit Insurance, about what it takes to drive meaningful digital transformation in commercial insurance. Bilge shares her approach to standardising processes across lines of business, leveraging AI to unlock efficiency, and building scalable technology foundations that support long-term innovation.Discover how combining insurance expertise with cross-industry experience can accelerate digital transformation, and learn practical approaches to breaking down silos while driving organisational change. Whether you're leading technology initiatives in insurance or interested in industry innovation, this conversation delivers actionable strategies for building scalable, future-ready insurance operations.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.In this episode of Making Risk Flow, host Juan de Castro sits down with Greg Hendrick, CEO of Vantage Risk Companies, to unpack what it takes to build a modern underwriting company from the ground up, right in the middle of a pandemic. Greg reveals how Vantage has grown to $1.2B in equity by combining the best of traditional underwriting expertise with a business-driven risk data technology strategy.From creating an “Opportunity Score” to prioritise submissions, to fostering collaboration between underwriters and data scientists, Greg shares practical strategies for boosting efficiency and culture in a remote-first world. Whether you're an insurance professional embracing digital transformation or a leader refining underwriting workflows, this conversation is packed with lessons on thriving in today's complex risk landscape.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.In this panel episode of Making Risk Flow, host Juan de Castro dives into the transformative power of generative AI in insurance with three industry experts: Allison Thornicroft, VP and Business Solutions Lead at Arch Insurance Group, Neeren Chauhan, Chief Innovation and AI Officer at Tokio Marine, and Yaemish Rughoo, Information Technology Program Director at Everen.Together, they explore how AI is slashing submission clearance times from days to hours, achieving 95–97% data extraction accuracy, and optimising underwriting workflows. The conversation unpacks actionable frameworks for successful AI adoption, from email intake to underwriter workbench, and emphasises the importance of incremental implementation, human oversight, and third-party data integration. If you're navigating digital transformation in insurance, this episode delivers practical strategies, real-world examples, and lessons from the frontlines of AI-driven operational change.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.In this special panel edition recorded at the InsureTech Insights 2025 the panel, including Cytora's Head of North America Zaheer Hooda, have a forward-looking conversation on the evolution of the industry from InsurTech 2.0 to 3.0.Joining him in the panel are Nicholas Chen (MD Financial Services, Accenture), Camilla Serna (Global Revenue Officer at Chubb), Ben Madick (CEO Co-founder of Matic) and Fred Blumer (CEO and Co-founder of Mile Auto & Porsche Auto Insurance). Together, they break down how AI, personalisation, and digital partnerships are reshaping the future of insurance delivery.From embedding trust in AI-driven workflows to aligning regulatory frameworks with innovation, this episode is packed with practical insights. Tune in for a candid discussion on what it takes to drive transformation, without losing sight of insurance's core promise: protection.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.Welcome to Cytora's Practitioner's Guide, a new series from Making Risk Flow.In each episode, we sit down with experts from Cytora's global team to explore practical strategies, real-world applications, and emerging insights from the front lines of risk digitization and underwriting transformation.In this episode, Juan de Castro is joined by Rich Lewis, Cytora's Sales Director, and Zaheer Hooda, Head of North America, for a deep dive into what makes proof-of-concept (POC) initiatives in risk digitization succeed—or fail.Drawing on firsthand experience from working with leading carriers, they break down five essential capabilities insurers need to get right when implementing digitization initiatives—from extraction accuracy and full-spectrum intake handling, to scalable deployment and human-in-the-loop exception management.They also provide a practical, inside look at how insurers structure effective proof of concept  processes, including live workshops, data preparation, success metrics, and how to align POC design with measurable business outcomes.Whether you're a carrier planning a digitization journey or a leader seeking to optimize underwriting workflows, this episode offers tactical guidance to ensure your technology investments deliver meaningful impact.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

It's time for The Truth!Today, Sam and Dougie are looking at how Hansi Flick's slightly surprising appointment at Barcelona last summer has turned into a masterstroke, and how the German has immediately brought the Blaugrana back to the top table of European football with a string of youngsters and some of the most exciting attacking football on the continent. There were question marks about Flick after his ill-fated tenure with the German national team, but his record at club level speaks for itself. And yet, when he was appointed at Barcelona to replace Xavi last summer, there were plenty who felt that this could be a step in the wrong direction for a Barcelona side mired in debt and already one step behind fierce rivals Real Madrid, who had just won La Liga and the Champions League, and then gone out and signed Kylian Mbappé, who was widely considered the best player in the world. But Flick took Xavi's possession-orientated philosophy and made it more direct, more streamlined; put his faith in the youngsters emerging from La Masia; and turned good players into superstars - all whilst staying true to his own brand of football and putting perhaps the boldest style of football in Europe on display for all to see. So was this a stroke of luck that the players matched his philosophy, or has the former Bayern treble-winner worked his magic again on another squad willing to do whatever he needs for them to get to the very top? Well, The Truth is somewhere in the middle... And remember, if you'd like more from the Rank Squad, including extra podcasts every Monday and Friday (including our weekly Postbox taking a look at the whole weekend of football) and access to our brilliant Discord community, then why not join us here on Patreon?

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.In this episode of Making Risk Flow, host Juan de Castro sits down with Cassandra Vukorep, Chief Data and AI Officer at Lloyd's of London, to explore the impact of data and AI on commercial insurance. They discuss Lloyd's role as an ecosystem platform for over 100 syndicates, the importance of data standardisation, and efforts to streamline operations through the Core Data Record (CDR). With only 8% of insurers adopting AI across multiple functions, Cassandra highlights key challenges, including legacy systems and process redesign. They also examine how AI will become a competitive differentiator in the coming years. This conversation offers valuable insights into Lloyd's digital transformation and how insurers can navigate the complexities of AI adoption to drive efficiency and innovation in the evolving insurance landscape.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.In this episode of Making Risk Flow, host Juan de Castro speaks with Carl Bach, CEO of Hartford Underwriting Agency, about how a 200-year-old insurer is modernising for the future. They discuss Hartford's brand refresh, maintaining its historic stag emblem while evolving its global identity. Carl outlines the strategic transformation of the company's Global Specialty business, which began in 2019, focusing on streamlining operations and ramping up specialisation in marine, energy, and financial lines.The conversation also covers Hartford's international growth ambitions through Lloyd's syndicate 1221, its approach to serving diverse market segments, and its use of AI and intelligent document processing in underwriting. Carl shares insights on balancing tradition with innovation, underscoring Hartford's values—especially "own it with pace"—as the company embraces change and seizes new opportunities in a fast-evolving industry.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.In this episode of Making Risk Flow, host Juan de Castro welcomes Jonathan Spry, CEO and co-founder of Envelop Risk, for an insightful discussion on how AI and advanced analytics are transforming cyber insurance. They explore Envelop Risk's “data flywheel” strategy, emphasising the power of data-driven decision-making in risk assessment. Jonathan shares how AI-driven underwriting has evolved over the past eight years, shifting from industry scepticism to widespread adoption. They also discuss "augmented underwriting," where AI enhances—rather than replaces—human expertise, especially in speciality insurance. The conversation extends to emerging risks, such as quantum computing's impact on cybersecurity and how AI reshapes risk management across industries. To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.This episode of Making Risk Flow is a recording of an event hosted by Cytora and InsTech to bring industry stakeholders, including clients and key industry executives, to the table to discuss how they are approaching digitisation. Juan is joined by James Platt, Henry Withinshaw, and Jonathon Gray to explore how digital transformation is reshaping commercial insurance, tackling challenges like reducing quote turnaround times, improving data accuracy, and enhancing broker service. The panel shares real-world insights on balancing automation with human expertise, overcoming legacy system hurdles, and leveraging AI to streamline underwriting. Whether you're an insurer, broker, or tech enthusiast, this episode delivers actionable takeaways on modernising underwriting workflows for a more efficient and data-driven future.‍To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Dr. Inigo San Milan: Leading Expert in Metabolism, Exercise Physiology, and Cancer ResearchDr. Inigo San Milan is a globally recognized expert in metabolic health, exercise science, Zone 2 training, mitochondrial function, and cancer metabolism.His groundbreaking research has transformed the understanding of lactate, highlighting its role not just in athletic performance but also in metabolic diseases, cancer progression, and longevity. As a strong advocate of Zone 2 training, Dr. San Milan has demonstrated how it boosts mitochondrial efficiency, improves endurance, enhances fat metabolism, and supports overall healthspan.His pioneering approach explores cancer treatment through metabolic optimization, shifting the focus from traditional gene-targeted therapies to cellular energy balance and metabolic interventions. Dr. San Milan's work provides a science-backed strategy for disease prevention, peak performance, and longevity through targeted metabolic conditioning.Sponsors:ZocDoc: https://www.zocdoc.com/neuroHone Health Hormone Testing: https://honehealth.com/Momentous - Use code NEURO to get 20% off your order - https://www.livemomentous.com/neuroTimestamps0:00 Revolutionizing Cancer Treatment Through Metabolism Optimization5:00 Exploring Skeletal Muscle's Role in Cancer Prevention and Treatment13:14 Lactate's Role in Cancer and Metabolic Disorders18:21 Nanoparticles in Cancer Treatment and Funding Challenges22:21 Understanding Zone 2 Training and Its Potential Health Benefits25:52 Understanding Exercise Zones and Metabolic Fuel Sources31:39 The Benefits of Zone Two Training for Longevity and Health40:50 Rethinking Exercise Guidelines for Optimal Health43:11 Exploring the Impact of Zone 2 Exercise on Cancer50:41 Optimizing Exercise for Cancer Prevention and LongevityThe Neuro Athletics Newsletter Instagram: @louisanicola_Twitter : @louisanicola_YouTube: @Louisa NicolaThe Neuro Experience Podcast is proud to have hosted: Dr Andrew Huberman, Dr Gabrielle Lyon, Dr Layne Norton, Thomas DeLauer, Shawn Stevenson, Dr. Rocio Salas-Whalen, Saad Alam, Uma Naidoo, Dr. Lanna Cheuck, Angela Lee Pucci, Jillian Turecki, Dr. Jordan Feigenbaum, Dr. Darren Candow, Dr. Sue Varma, Evy Poumpouras, Dr Casey Means, Renee Deehan, Dr Chris Palmer, Dr Charles Brenner, Dr Joe Zundell, Dr Ray Dorsy, Dr Dale Bredeson, Dr. Ben Bikman

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.In this episode of Making Risk Flow, host Juan de Castro is joined by Laurent Rousseau, CEO of Global Capital Solutions at Guy Carpenter, to discuss leadership, success, and the evolving role of insurance in society. Laurent reflects on his career journey from equity analyst to CEO, sharing his personal definition of success: one that prioritises inner fulfilment over external expectations. Together, Juan and Laurent also discuss the insurance industry's role as a key enabler of societal good and the need to shift public perception of the sector, why insurance must embrace innovation, and the challenges of leadership transitions, including the importance of knowing when to step down as part of an organisation's evolution.To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.In this episode of Making Risk Flow, host Juan de Castro is joined by Marcus Ryu, Co-founder of Guidewire, to explore his fascinating entrepreneurial journey and the transformative role of technology in the insurance industry.Marcus reflects on his nearly two decades of experience building Guidewire into a company that revolutionised insurance. From his early career at McKinsey to founding a startup in a traditionally conservative industry, Marcus shares his thoughts on overcoming the challenges of entrepreneurship, the importance of building complementary founding teams, and navigating the high-stakes world of sales.Together, Juan and Marcus also discuss the evolution of insuretech and its growing opportunities, Marcus' transition into venture capital, and the pivotal moments in Guidewire's history, including a legal battle with Accenture that nearly derailed the company.If you'd prefer to watch the episode instead, simply click here!To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's

Fan Mail: Got a challenge digitizing your intake? Share it with us, and we'll unpack solutions from our experience at Cytora.Here it is, the moment we've been counting down to! As we wrap up our Top 5 Most Downloaded Episodes of 2024, we're thrilled to re-release the No. 1 episode of the year.In this standout conversation, host Juan de Castro sits down with Andrew Horton, Group CEO of QBE Insurance, a global leader operating in 26 countries and ranked among the world's top 20 insurance and reinsurance companies. Andrew's insights captivated audiences, making this the most downloaded episode of the year.During their discussion, Juan and Andrew explore how QBE maintains consistency in a market defined by rapid change, the pivotal role of innovation and culture in driving the industry forward, and why AI has become a personal priority for Andrew as a game-changing technology.Topics Discussed:How QBE balances stability with adaptability in a dynamic industry.The critical link between company culture, innovation, and long-term success.Andrew's perspective on how AI is reshaping the future of insurance.Join us as we celebrate this incredible episode and reflect on the remarkable conversations that defined 2024. Thank you for being part of Making Risk Flow; here's to more impactful episodes in the year ahead!To receive a custom demo from Cytora, click here and use the code 'Making Risk Flow'.Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.Check out the three most downloaded episodes: The Five Pillars of Data Analytics Strategy in Insurance | Craig Knightly, Inigo 20 Years as CEO of Hiscox: Personal Reflections and the Evolution of PPL | Bronek Masojada Implementing ESG in the Insurance and Underwriting Space | Simon Tighe, Chaucer, and Paul McCarney, Moody's