Podcast appearances and mentions of isaac davis

Eric Frandsen and Jason Walker discuss Isaac Davis entering the transfer portal in the 11th hour. Returning production throughout the Mountain West for men's basketball. Sam Merrill impresses coaches for his play in the playoffs. Where does Jalen Royals appear in a variety of mock drafts for the NFL?

Eric Frandsen and Jason Walker react to Utah State's loss vs UCLA in the NCAA tournament. What went wrong for the Aggies? Is Coach Calhoun staying or going? Where does Utah State go from here?

Eric Frandsen and Jason Walker share their final keys and predictions for USU vs UCLA.

Fog is continuing to clear. What's coming into view is changing perspectives -- and our experience of reality. That big. If your response is to run off and hang with pals, go for it. And happy solstice! Astro-Insight for December 16-22, 2024. Please do not forward w/o copyright notice intact, which is: Text & recording ©℗ Kathy Biehl 2024. Photo by Isaac Davis on Unsplash Transcription of this episode Bonus content at Patreon Join my mailing list Listen to Celestial Compass on OM Times Radio and TV Support this podcast   Find out what this means for you! Facebook: Empowerment Unlimited and the Astro-Insight Lounge

Not so fast. 'Tis the season to revisit, rethink, reclaim and redo. Fog clears by the weekend, and you'll know where to continue revisiting, rethinking, reclaiming and redoing. Astro-Insight for December 9-15, 2024. Please do not forward w/o copyright notice intact, which is: Text & recording ©℗ Kathy Biehl 2024. Photo by Isaac Davis on Unsplash Transcription of this episode Mercury retrograde guide Bonus content at Patreon Listen to Celestial Compass on OM Times Radio and TV Support this podcast   Find out what this means for you! Facebook: Empowerment Unlimited and the Astro-Insight Lounge

From Isaac Davis officially committing to Utah State to updates on what the Utah NHL team name could eventually be, Jason Walker and Eric Frandsen break down the latest in local sports.

The BYU Cougars saw a signee in Isaac Davis released from his national letter of intent from the BYU men's basketball program and it appears he will join the Utah State Aggies and Jake Hatch explains what led to the separation and why he believes all parties will be better off as Kevin Young goes about building the BYU basketball program in his own style.Jake then talked about the nature of Kevin Young and how he will operate at Brigham Young University (BYU) with his no-nonsense approach and straight-forward nature and it appears that he has a grand plan for what he hopes to morph BYU into and it appears to have gotten off to a solid start after Mark Pope's departure to join the Kentucky Wildcats.Finally, the show wrapped up with some thoughts on what Jake would do to help Kalani Sitake, Aaron Roderick and Jay Hill improve the BYU football program as they enter year two in the Big 12 Conference along with addressing other Locked On Cougars insider group questions about the Big 12 season ahead and his embarrassing lack of anime knowledge.Join the Locked On Cougars Subtext Community by clicking here! There is a free 14-day trial before you're charged anythingCelebrate Jake's birthday by subscribing to The RPO Podcast on YouTube (Audio version soon too) by clicking here!Support Us By Supporting Our Locked On Podcast Network Sponsors! Monopoly GO! - Get in the game and join your friends. Download MONOPOLY GO! now free on The App Store or Google Play.Gametime - Download the Gametime app, create an account, and use code LOCKEDONCOLLEGE for $20 off your first purchaseLinkedIn - These days every new potential hire can feel like a high stakes wager for your small business. That's why LinkedIn Jobs helps find the right people for your team, faster and for free. Post your job for free at LinkedIn Dot Com slash LOCKEDONCOLLEGE. Terms and conditions applyeBay Motors - From brakes to exhaust kits and beyond, eBay Motors has over 122 million parts to keep your ride-or-die alive. With all the parts you need at the prices you want, it's easy to bring home that big win. Keep your ride-or-die alive at eBayMotors.com. Eligible items only. Exclusions apply. eBay Guaranteed Fit only available to U.S. customers FanDuel - Today's episode is brought to you by FanDuel. Make Every Moment More. Right now, NEW customers get ONE HUNDRED AND FIFTY DOLLARS in BONUS BETS with any FIVE DOLLAR BET! That's A HUNDRED AND FIFTY BUCKS – win or lose! Visit FanDuel.com/LOCKEDON to get startedFANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN)Follow the Locked On Cougars podcast on Facebook, Instagram and Twitter to stay up-to-date with the latest with regards to the podcast and BYU sports news. Please remember to subscribe, enable notifications, rate and review the show.If you are interested in advertising with Locked On Cougars or the Locked On Podcast Network, please email us at LockedOnBYU@gmail.com.Learn more about your ad choices. Visit podcastchoices.com/adchoices

Eric Frandsen and Jason Walker cover numerous small topics around the world of Cache Valley sports. From the release of the final boys soccer RPI and reveal of the 4A state playoffs bracket to former Aggie teammates Sam Merrill and Neemias Queta playing on the court together in the NBA playoffs. Also discussion of Isaac Davis rumors with the upcoming freshman power forward reportedly on his way to play for Utah State.

The BYU Cougars got their man to replace Kentucky Wildcats coach Mark Pope Tuesday when they announced the hire of Phoenix Suns associate head coach Kevin Young, who will remain in his current position through the duration of the NBA Playoffs with Phoenix but the wait for him to arrive at Brigham Young University (BYU) will be well worth the wait Jake Hatch says as Tom Holmoe, Shane Reese and all others involved nailed the hire for the BYU men's basketball program.Jake then explained where things stand for Kevin Young as he navigates is dual roles in the interim as he plans to assemble his BYU basketball assistant coaching staff with the goal of them leading the charge in recruiting and Jake believes that could yield a holdover from the Pope regime in Nick Robinson staying on at BYU as he has the intel and institutional knowledge to handle things in the short term while other assistant coach options like Chris Burgess, Barret Peery or Quincy Lewis play out.Finally, the show wrapped up with a look at the Collin Chandler situation and how it will affect the BYU hoops roster with his release from his NLI to play at the Universirty of Kentucky and why Jake thinks it'll work out for all parties as BYU turns their attention to what appears to be a bright future under the leadership of Kevin Young in Provo.Join the Locked On Cougars Subtext Community by clicking here! There is a free 14-day trial before you're charged anythingCelebrate Jake's birthday by subscribing to The RPO Podcast on YouTube (Audio version soon too) by clicking here!Support Us By Supporting Our Locked On Podcast Network Sponsors! Monopoly GO! - Get in the game and join your friends. Download MONOPOLY GO! now free on The App Store or Google Play.Gametime - Download the Gametime app, create an account, and use code LOCKEDONCOLLEGE for $20 off your first purchaseLinkedIn - These days every new potential hire can feel like a high stakes wager for your small business. That's why LinkedIn Jobs helps find the right people for your team, faster and for free. Post your job for free at LinkedIn Dot Com slash LOCKEDONCOLLEGE. Terms and conditions applyeBay Motors - From brakes to exhaust kits and beyond, eBay Motors has over 122 million parts to keep your ride-or-die alive. With all the parts you need at the prices you want, it's easy to bring home that big win. Keep your ride-or-die alive at eBayMotors.com. Eligible items only. Exclusions apply. eBay Guaranteed Fit only available to U.S. customers FanDuel - Today's episode is brought to you by FanDuel. Make Every Moment More. Right now, NEW customers get ONE HUNDRED AND FIFTY DOLLARS in BONUS BETS with any FIVE DOLLAR BET! That's A HUNDRED AND FIFTY BUCKS – win or lose! Visit FanDuel.com/LOCKEDON to get startedFANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN)Follow the Locked On Cougars podcast on Facebook, Instagram and Twitter to stay up-to-date with the latest with regards to the podcast and BYU sports news. Please remember to subscribe, enable notifications, rate and review the show.If you are interested in advertising with Locked On Cougars or the Locked On Podcast Network, please email us at LockedOnBYU@gmail.com.Learn more about your ad choices. Visit podcastchoices.com/adchoices

The BYU Cougars were upset in the first round of the NCAA Men's Basketball Tournament by the Duquesne Dukes and Jake Hatch explained what went wrong for the BYU men's basketball program in the 71-67 loss and where Mark Pope and Brigham Young University (BYU) went wrong as they went one-and-done in March Madness for the fifth-straight time.Jake then talked about what the loss means for Mark Pope as he remains winless as a head coach in postseason competition and what it means for his legacy and reputation as a college head coach and what the implications could be for the BYU basketball program as they now suddenly enter the offseason.Finally, the show wrapped up with some thoughts on what the next step(s) are for BYU and Mark Pope as they will now look at recruiting, adding talent via the NCAA Transfer Portal, add new talent off missions and via signings like Collin Chandler and Isaac Davis as they seek to get back over the top and advancing in the Big Dance.Join the Locked On Cougars Subtext Community by clicking here! There is a free 14-day trial before you're charged anythingCelebrate Jake's birthday by subscribing to The RPO Podcast on YouTube (Audio version soon too) by clicking here!Support Us By Supporting Our Locked On Podcast Network Sponsors! Manscaped - Get 20% off & free shipping with the code LOCKEDON at Manscaped.comBettor Together - Download the Bettor Together DFS app now from the app store, and sign-up using promocode LOCKEDON for a chance to win your share of over $1,000 in cash prizes.Amazon Fire TV - Fire TV recently created Fire TV Channels to deliver a constant supply of the latest videos from your favorite sports brands, all for free. That includes all of us at Locked On and most of the big pro leagues and college conferences as well. To Learn More, visit www.amazon.com/LockedOnFireTVNissan - This episode is brought to you by Nissan. Are you the kind of driver that likes to push things a little further? Ever wonder what adventure could be around the next corner? Take the Nissan Rogue, Nissan Pathfinder, or Nissan Armada and go find your next big adventure. Check them all out today at NissanUSA.comGametime - Download the Gametime app, create an account, and use code LOCKEDONCOLLEGE for $20 off your first purchaseLinkedIn - These days every new potential hire can feel like a high stakes wager for your small business. That's why LinkedIn Jobs helps find the right people for your team, faster and for free. Post your job for free at LinkedIn Dot Com slash LOCKEDONCOLLEGE. Terms and conditions applyFanDuel - Today's episode is brought to you by FanDuel. Make Every Moment More. Right now, NEW customers get ONE HUNDRED AND FIFTY DOLLARS in BONUS BETS with any FIVE DOLLAR BET! That's A HUNDRED AND FIFTY BUCKS – win or lose! Visit FanDuel.com/LOCKEDON to get startedFANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN)Follow the Locked On Cougars podcast on Facebook, Instagram and Twitter to stay up-to-date with the latest with regards to the podcast and BYU sports news. Please remember to subscribe, enable notifications, rate and review the show.If you are interested in advertising with Locked On Cougars or the Locked On Podcast Network, please email us at LockedOnBYU@gmail.com.Learn more about your ad choices. Visit podcastchoices.com/adchoices

BYU basketball head coach Mark Pope spoke with the media on National Signing Day to discuss the additions of Brooks Bahr and Isaac Davis. Subscribe to the Cougar Tracks Podcast! Apple: https://podcasts.apple.com/us/podcast/cougar-tracks/id1146971609 Google Play: https://kslsports.com/category/podcast_results/?sid=2035&n=Cougar%20Tracks Download the KSL Sports app Google: https://play.google.com/store/apps/details?id=com.bonneville.kslsports&hl=en_US iOS: https://apps.apple.com/us/app/ksl-sports/id1435930251

The Recipe For Straight Paths // Modern Problems, Ancient Answers // Isaac Davis by Sunday Podcast

Mitch Harper and Matt Baiamonte discuss the recent signing of big man Aly Kahlifa who transferred in from Charlotte and Isaac Davis who committed out of Hillcrest High in Idaho. They touch on BYU losing out on Utah State transfer Steven Ashworth who committed to Creighton and weigh in on other roster changes fans could see before the Cougars tip off in November. Before wrapping the show up with Cougar Tales, the duo talks about dates for games being announced as the upcoming non-conference basketball schedule is coming together.See omnystudio.com/listener for privacy information.

The Locked On Cougars Podcast for Thursday, April 20, 2023 The BYU Cougars have a trio of linebackers that did not participate in spring ball with the BYU football program that will need to be the stars if Jay Hill's defense wants to operate at peak efficiency and Jake Hatch explains why there is optimism despite the lack of substance Jake then dove headlong into the listener mailbag to answer questions on the NCAA Transfer Portal for the BYU football and BYU basketball programs, future targets for both and what the future of LaVell Edwards Stadium may be ultimately Finally, the show wrapped up with the pickup of 2024 four-star foreard Isaac Davis for Mark Pope and the BYU men's basketball program Support Us By Supporting Our Locked On Podcast Network Sponsors! Built Bar - Built Bar is a protein bar that tastes like a candy bar. Go to BuiltBar.com and use promo code “LOCKEDON15,” and you'll get 15% off your next orderFanDuel - Make Every Moment More. Don't miss the chance to get your No Sweat First Bet up to ONE THOUSAND DOLLARS in Bonus Bets when you go FanDuel.com/LOCKEDONFANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN) Follow the Locked On Cougars podcast on Facebook, Instagram and Twitter to stay up-to-date with the latest with regards to the podcast and BYU sports news. Please remember to subscribe, rate and review the show. Also, please consider subscribing to the Yawk Talk Newsletter that Jake writes and is delivered directly to your email inbox.If you are interested in advertising with Locked On Cougars or the Locked On Podcast Network, please email us at LockedOnBYU@gmail.com or contact us here. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today's Co-Hosts: Ben Criddle (@criddlebenjamin) Subscribe to the Cougar Sports with Ben Criddle podcast:Apple Podcastshttps://itunes.apple.com/us/podcast/cougar-sports-with-ben-criddle/id996764363Google Podcastshttps://www.google.com/podcasts?feed=aHR0cHM6Ly93d3cuc3ByZWFrZXIuY29tL3Nob3cvMTM2OTkzOS9lcGlzb2Rlcy9mZWVkSpotifyhttps://open.spotify.com/show/7dZvrG1ZtKkfgqGenR3S2mPocket Castshttps://pca.st/SU8aOvercasthttps://overcast.fm/itunes996764363/cougar-sports-with-ben-criddle-byuSpreakerhttps://www.spreaker.com/show/cougar-sports-with-ben-criddleStitcherhttps://www.stitcher.com/s?fid=66416iHeartRadiohttps://www.iheart.com/podcast/966-cougar-sports-with-29418022TuneInhttps://tunein.com/podcasts/Sports-Talk--News/Cougar-Sports-with-Ben-Criddle-p731529/

Today's Co-Hosts: Ben Criddle (@criddlebenjamin) Subscribe to the Cougar Sports with Ben Criddle podcast:Apple Podcastshttps://itunes.apple.com/us/podcast/cougar-sports-with-ben-criddle/id996764363Google Podcastshttps://www.google.com/podcasts?feed=aHR0cHM6Ly93d3cuc3ByZWFrZXIuY29tL3Nob3cvMTM2OTkzOS9lcGlzb2Rlcy9mZWVkSpotifyhttps://open.spotify.com/show/7dZvrG1ZtKkfgqGenR3S2mPocket Castshttps://pca.st/SU8aOvercasthttps://overcast.fm/itunes996764363/cougar-sports-with-ben-criddle-byuSpreakerhttps://www.spreaker.com/show/cougar-sports-with-ben-criddleStitcherhttps://www.stitcher.com/s?fid=66416iHeartRadiohttps://www.iheart.com/podcast/966-cougar-sports-with-29418022TuneInhttps://tunein.com/podcasts/Sports-Talk--News/Cougar-Sports-with-Ben-Criddle-p731529/

The Locked On Cougars Podcast for Thursday, April 20, 2023 The BYU Cougars have a trio of linebackers that did not participate in spring ball with the BYU football program that will need to be the stars if Jay Hill's defense wants to operate at peak efficiency and Jake Hatch explains why there is optimism despite the lack of substance Jake then dove headlong into the listener mailbag to answer questions on the NCAA Transfer Portal for the BYU football and BYU basketball programs, future targets for both and what the future of LaVell Edwards Stadium may be ultimately Finally, the show wrapped up with the pickup of 2024 four-star foreard Isaac Davis for Mark Pope and the BYU men's basketball program Support Us By Supporting Our Locked On Podcast Network Sponsors!  Built Bar - Built Bar is a protein bar that tastes like a candy bar. Go to BuiltBar.com and use promo code “LOCKEDON15,” and you'll get 15% off your next order FanDuel - Make Every Moment More. Don't miss the chance to get your No Sweat First Bet up to ONE THOUSAND DOLLARS in Bonus Bets when you go FanDuel.com/LOCKEDON FANDUEL DISCLAIMER: 21+ in select states. First online real money wager only. Bonus issued as nonwithdrawable free bets that expires in 14 days. Restrictions apply. See terms at sportsbook.fanduel.com. Gambling Problem? Call 1-800-GAMBLER or visit FanDuel.com/RG (CO, IA, MD, MI, NJ, PA, IL, VA, WV), 1-800-NEXT-STEP or text NEXTSTEP to 53342 (AZ), 1-888-789-7777 or visit ccpg.org/chat (CT), 1-800-9-WITH-IT (IN), 1-800-522-4700 (WY, KS) or visit ksgamblinghelp.com (KS), 1-877-770-STOP (LA), 1-877-8-HOPENY or text HOPENY (467369) (NY), TN REDLINE 1-800-889-9789 (TN)  Follow the Locked On Cougars podcast on Facebook, Instagram and Twitter to stay up-to-date with the latest with regards to the podcast and BYU sports news. Please remember to subscribe, rate and review the show. Also, please consider subscribing to the Yawk Talk Newsletter that Jake writes and is delivered directly to your email inbox. If you are interested in advertising with Locked On Cougars or the Locked On Podcast Network, please email us at LockedOnBYU@gmail.com or contact us here. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Eric Bentley takes a look back with Swim & Dive's Jan Bialecki at the NCAA DII National Championships in Indianapolis, Indiana. Plus, Bentley looks ahead to a competitive weekend for FPU Track and Field with Isaac Davis. #TeamFPU | #BackTheBirds

There comes a time when one must face the trauma of their past and heal. We have the power to become our healed selves. Isaac Davis bravely shares the pain of his past and how he became intentional with "Overcoming Hurt."

But God Battles // But God // Isaac Davis by Sunday Podcast

Manhattan is the 8th film written and directed by Woody Allen, first released in 1979. Woody Allen stars as Isaac Davis, and we follow him as he romanticises the hell out of New York City, falling in love, and dealing with the poetry of every day life. His story is divided by several women and one friend. And he's made a decision to live a better life, if there is such a thing. What do you say about Manhattan? It's a masterpiece, and where Allen's skill as a director finally matches his skill as a writer. It's a triumph of production with a story that lays out everything Allen had been trying to say. Oh and it's my favourite film of all time. This week, episode 17, we talk about 1979's Manhattan. I will try not to go too overboard about how great it is. But we will look at how it was conceived, how it was made, and how the bastards are wrong about it. Spoilers are everywhere - watch the film, then come back. So much more at our website – Woody Allen Pages. Find us at: Facebook Instagram Twitter Reddit Support us Patreon Buy a poster or t-shirt at Redbubble Buy out books – The Woody Allen Film Guides Buy Me A Coffee You can write to us at woodyallenpages [at] gmail [dot] com

FRESNO, Calif. - Welcome to the Sunbird Soundoff Live, the official podcast of FPU Athletics hosted by Eric Bentley on 790 ESPN. Track and Field coach Ray Winter is in studio and is joined by Xiamara Young, Isaac Davis and Moe Bradley to talk about this past weekend's conference meet and previews the remainder of the season, including the upcoming NCAA National Meet. Head baseball coach Oscar Hirschkorn also joins the show ahead of the team's season finale series against Point Loma. The Sunbird Soundoff Live is broadcast every Wednesday at 5 p.m. on 790 ESPN. It can be found the next day on FPUAthletics.com/podcasts, Apple Podcasts, Google Podcasts, Spotify, and more.

On this week's epilogue show the ladies dive deeper into asking for help. Nicole springs one of her infamous games on an unsuspecting Lauren, the listeners give their feedback on the week's practice and Isaac Davis, our roving reporter tests out last week's wellness newsflash by visiting the meditation carriages on the DLR trains. Our thanks this week to Isaac Davis. You Tube: MyLifeAsIsaac101If you like what we do here and want to be part of the club, why not follow us on Twitter and Instagram @SelfCareClubPod. If you've tried out any of the practices mentioned on the show or want to get in contact with us, send us an email: via hello@theselfcareclubpod.co.uk. Self Care Club is brought to you by @global . Additional production, mixed and mastered by @weareaudiocultureStudio production by @launchpodstudios Music by purpleplanet.com

Welcome to the Sunbird Soundoff, sponsored by Haydock Real Estate, Inc. 1:03 | Track and Field head coach Ray Winter talks about his team's national recognition, school records being broken by Kyla Richardson, Patrick Kiprop and Brett Lombardi, as well as huge marks from Isaac Davis, Moe Bradley and more. 16:40 | Baseball head coach Oscar Hirschkorn and new strikeout record holder Nic Boatman join Jordan Herrod to discuss the team trending upward. The Sunbird Soundoff can be found on FPUAthletics.com/podcasts, Apple Podcasts, Google Podcasts, Spotify and more. A new episode can be found every Wednesday.

Message from Isaac Davis on December 27, 2020

In this episode of TLS, Zac and Walter talk about certain days that people choose to party about stuff that happened way before that party. - Thanks to Isaac Davis for the topic idea!

The NCAA is granting spring senior student-athletes an additional year of eligibility which is worthy but comes with a whole separate bag of issues and concerns moving forward. Phoenix Suns television analyst Eddie Johnson (11:15 on podcast) talked about how Adam Silver has handled COVID-19, issues facing the NBA when/if the season resumes, LeBron James in the news again and much more. The Arizona professional sports teams released a collaborative video Tuesday morning in hopes of uniting our state. The hashtag they used is #AllAZ. We played it on the show today (24:16 on podcast). Plus, our first “2020 Vision” interview with Casteel High star track athlete Isaac Davis (29:44 on podcast) who will be competing for UofA starting next year. 

This week we got to sit down with Pastor Isaac Davis from Orland, CA and interview him about his life and ministry. --- Support this podcast: https://anchor.fm/thought-stop/support

Marcus interviews Ericka and Isaac Davis as they share their journey on how they met and why they have a passion to heal and raise the dead. They provide offer strategies on how you, too, can move in the power of the miraculous and healing.

Pika Radio is celebrating our 100th episode!!!! We discovered a “damn fine cup of coffee” called New Mexico Pinon Coffee during a quick summer road trip. We were surprised to find out that they are the official coffee sponsor for The Albuquerque International Balloon Fiesta. NM Pinon Coffee is our new “best friend” in the morning and we hope they will become yours, too. Our own local author, Joel Diehl Sensei will be signing his new book, A Matter of Being, September 15th, 5-7pm and October 20th, 5-8pm at The Hemp Store. Want to hear some live music? We tell you the hotspots for the weekend. But what about “dead spots”? We take you to  Manitou Springs’s Crystal Valley Cemetery for a little shame review of late-night human visitors. We tell you about the restoration of the little chapel building (National Register of Historic Places, 1882) and a few of our famous, forever, historic residents; Tom O’Neil (the Colorado Mummy), Dr. Isaac Davis, and the Union General Charles Adams (Meeker Massacre). A great site to check out for other legionary figures  HERE.  Up and coming “Outside Our Village” segment- Nessa Alexander Begg Robertson tells us what it is like to work in one of the most haunted castles in Scotland, Pittodrie House. We found Andy Barnard that has moved from Scotland to the U.S. to become a Colorado Officer. Offended by a new trend to be a witch? We will found one to let her vent about the “sisterhood” tend.*Thank you to Woji for providing our intro music!

Hawaii, known to Westerners in the Second Decade as “the Sandwich Islands,” was a rich and vibrant place, and the 1810s were arguably the most exciting time in its history. In 1810 Kamehameha, a nobleman from the Big Island, completed his 30-year struggle to unify Hawaii under his own rule, initiating an era of somewhat fragile peace. But there were fractures beneath the surface of Hawaiian society which led to a cultural and religious upheaval in 1819—at the exact same time that a group of ambitious New England evangelicals were, for unrelated reasons, preparing to settle in Hawaii and establish Christian missions. Sean Munger sets the stage for the story of this cultural collision by exploring both the background and context of the American missionaries who arrived at the end of the decade, and the rapidly changing country of Hawaii in which they suddenly found themselves. In this episode you’ll not only meet Kamehameha, his arch-rival Kaumuali’i and his unlucky rum-guzzling advisor Isaac Davis, but also the bewildered royal heir Liholiho, the ambitious feminist Ka’ahumanu, a reluctant bride named Lucy Goodale, a vomiting clergyman called Hiram Bingham, and the famous Henry Obookiah, whose round-trip from Hawaii to Connecticut and back took an astonishing 186 years. Learn more about your ad choices. Visit megaphone.fm/adchoices

Kelly Coughlin: Greetings, this is Kelly Coughlin. A pack of wolves lurked near the sheep at pasture, but the dogs kept them all at a respectful distance and the sheep grazed in perfect safety. But now, the wolves thought of a plan to trick the sheep.  “Why is there always this hostility between us,” they said.  “If it were not for those dogs who are always stirring up trouble, I’m sure we should get along beautifully.  Send them away and you will see what good friends we shall become.”  The sheep were easily fooled.  They persuaded the dogs to go away and that very evening, the wolves had the grandest feast of their lives.    Announcer: Kelly Coughlin, CEO of BankBosun, a management consulting firm helping banks C-level offices, navigate risks, and discover reward. He’s the host of the syndicated audio podcast bankbosun.com.  Kelly brings over 25 years of experience with companies like PWC, Lloyd’s Bank, and Merrill Lynch.  On the podcast Kelly interviews key executives in the banking ecosystem to provide bank C-suite offices risk management, technology, and investment ideas and solutions to help them navigate risks and discovery reward.  Now your host, Kelly Coughlin.    Kelly Coughlin: Hello everybody, this is Kelly Coughlin, CEO of BankBosun, helping C-suite bank executives navigate risks and discover reward.  Today is the first in a series of five podcasts on the subject of cyber security and banking.  Cyber hackers today rob banks much more sophisticated than the days of say Jesse James.  And certainly, they’re much more intelligent than Isaac Davis who committed the very first bank robbery in the US in the year 1798.  Davis robbed the Bank of Pennsylvania at Carpenters Hall in Philadelphia, PA.  He was apparently so stupid that he robbed the bank of over $162,000 and then deposited the funds in his own account at the same bank.  Not very smart. He got busted.    Today’s cyber pirates aren’t that stupid.  They attack the bank’s web application.  They shut down their site for ransom with denial of service attacks. They skim credit and debit cards. They engage in privilege misuse, crime ware, just to name a few.  It’s a huge threat to banks. And the reason I’m putting so much attention and focus to it at BankBosun is the expectation is that more bad guy resources will be directed to community and regional banks in the future for two primary reasons.  Number one, the Willie Sutton factor.  When he was asked by the FBI, “Hey Willie, why do you rob banks?”  He replied, “Because that’s where the money is.”  Then, a second reason, insufficient resources to prevent and detect.  If lower net interest margins and higher regulatory burden weren’t enough, then the additional expense required for cyber security risk management is enough to put you over the top.    So that leads me to my guest for today.  His name is Kris St. Martin.  He’s vice president bank services program direction for CBIZ with over 100 offices and 4,000 associates in most of the major metropolitan and suburban areas throughout the US.  CBIZ delivers financial and employee business services to many organizations of all sizes as well as individual clients by providing national expertise combined with highly personalized services.  CBIZ is a leader in cyber risk including cyber insurance, IT audit, penetration testing, mobile application assessment, digital forensics, cyber risk management, and Kris is a cyber insurance expert, and is a member of the CBIZ national cyber risk management team.  He has more than 23 years of direct bank experience and he’s held many positions in banking.  He’s been providing risk mitigation services since 2009.  So, with that introduction, Kris, are you on the line there?   Kris St. Martin: I am.  Thank you very much for that introduction, Kelly.    Kelly Coughlin: Did I cover all the relevant points in your bio, Kris?   Kris St. Martin: You were very, very thorough.   Kelly Coughlin: Excellent, I like being thorough.  Now, I didn’t include any personal background in there.  Do you want to start off with telling us who you are, family, where you live, that sort of thing?   Kris St. Martin: Sure, absolutely.  As you mentioned, I was in banking for over 20 years.  I live in Plymouth, Minnesota, a suburb just west of Minneapolis.  In my banking days, I was involved in community banking in Plymouth for 20 plus years.  I worked First Bank Systems, which later became US Bank.  I was very familiar with a regional bank becoming a large national bank.  Went to a very small community bank, worked there for four years in my hometown, opened up a branch for them for a couple of years, and then became part of the de novo bank experience in 1999.  We opened up the bank in 2000.  Lived in the same community, Plymouth, for 20 plus years.  Wife of almost 26 years.  Three kids, one is a wildland firefighter; one’s a senior at the University of Minnesota going on to the law school next year; and my daughter has graduated with a marketing degree recently, and works for a hotel chain in the twin city.   Kelly Coughlin: That’s terrific.  Let’s dig right into it, Kris.  Subject today is cyber risk, cyber risk management in the banking ecosystem.  Let me just start out with a very general question here.  From your perspective, what are the cyber risks facing banks today?  What are the key risks that you see they face today?   Kris St. Martin: Well, Kelly, you mentioned a number of them in your introduction and they include probably the largest frequency risk today is the ransomware by cyber extortion.  For the last few years, that was not as prevalent in the financial institution world, because financial institutions were deemed as a little better at backup than other industries such as retail and medical.  The very nature of those are locking up your information and if you haven’t backed up for a few days, that could be very, very costly. So they paused on the banking world for a couple of years, and now it’s getting hit very, very hard.  The other industries have tightened up on their backup procedures.  They tend to be smaller amounts; anywhere from $500 to $50,000.  They can be larger.  They tend to be quick hits, lock up your system.  Data breach is obviously a big one in the banking world, because obviously banks hold a great deal of data. Theft of money is always a big one.    We’ve seen several cases recently where there was some type of hack leading up to obtaining passwords and wiring money out.  In addition to the types of things that are happening, banks are having to deal with, as you mentioned, the regulatory aspect of that.  The regulators are all over this topic and have great expectations when they’re coming in for exams.  Cyber insurance is part of that, where they really didn’t look at that too much in the last couple of years before that.  Now, they’re wanting to know what type of cyber coverage and all your cyber procedures are so it’s put a great deal of burden on them.  The reputation risk for having your information active is enormous to both your reputation, your brand, and litigation from a number of sources if you could have your data breached can be from clients who’ve had their data breached and it could be as more of like a class action if you had 50,000 records breached.  They could all ban together and sue, but it could also be if you’ve lost one really critical piece of data.    Let’s say it was a critical business plan of one of your clients that you obtained in conjunction with a loan request.  Who knows what kind of harm that could cause, if that got in the hand of a competitor?  There’s also some litigation based on what is showing on social media.  Banks often encourage their employees to be on LinkedIn and other social medias to increase the bank’s presence.  There are other things that bankers are on that are not necessarily done with bank approval like Facebook.  So, somebody could be on Facebook and note on there, they’re an employee of XYZ bank and put something disparaging about one of the competitors on there.  It wasn’t necessarily a bank approved type of a thing, but they can be pulled into the litigation because of the reference to the bank.  So there’s a wide variety of cyber risk and financial risk for banks out there right now.   Kelly Coughlin: Now that social media example, that isn’t part of cyber security risk. That’s more reputational risk, other financial risk, but a bank’s employee participating in Facebook for instance, that doesn’t open up risks for cyber-attack, correct?   Kris St. Martin: Not from a cyber-attack, but it can be part of your cyber risk management program.  There’s great expectations from regulators that you are training your employees because there’s a financial risk that can come back to the bank.  So it’s part of your cyber risk management program at the bank not necessarily directly from a hacker.          Kelly Coughlin: Okay.  You guys are in the business of helping banks insure the risk.  In the event of a cyber-attack, they buy an insurance policy that covers their financial risk in the event of some sort of cyber-attack, correct?   Kris St. Martin: Yeah.    Kelly Coughlin: Now, is it fair to say that four years ago cyber risk management was more or less a footnote of a P&C policy or an E&O, D&O type policy?   Kris St. Martin: Right and there’s just only a few remnants of that.  So, for example, in your general liability policy there were many areas in there that could have provided coverage 10 years ago under what’s happening in today’s environment.  Over the years, the carriers have been excluding on your D&O policies, directors and officers liability policies, your professional services policies as well as your general liability policies, anything that’s related to cyber risk.  So today, most directors and officers policies and general liabilities policies exclude anything related to cyber risk.  They push everything towards a cyber policy with only a few exceptions.  The exception to that is in their directors and officers policy, if you look at what happened to Target, the Target breach about three or four years ago, after the smoke cleared the directors and officers were sued for lack of oversight of the cyber risk management program.  That’s where kind of a cyber-related type of thing can still be pulled into a D&O policy, but specifically if officers and directors are named based on decisions made by those directors and officers.  The D&O policy is not going to pay for anything that’s related to your expenses associated with the breach.  In the case of theft of money through hackers, where there is a theft of money, that’s treated under a crime bond policy. So the other exception is if you had a hacker come in, obtain codes to malware or whatever they use, eventually wire money out that’s not retrievable, that actual cash loss, whether it’s the bank or your client, is treated and handled under the bond.  So those are kind of the two remaining policies where there is some related coverage.    Kelly Coughlin: Okay, but business interruption, for instance, let’s say it’s denial of service, which is business interruption, would that be specifically excluded from the other P&C policy that would cover interruption from fire or water, that sort of thing?  Is that specifically excluded?    Kris St. Martin: Yes and with other causes of business interruption, that is included in your traditional package policies.  That has historically been part of those policies, but with a cyber interruption, again, those policies now exclude the business interruption reimbursement and pushed it back to the cyber policy.  If you’re a retailer selling products online and your website goes down for three weeks, it’s very easy to document the lost sales based on a history there.  In the banking world, your primary revenue is going to be your net interest margin, so your loan income is still coming in regardless if your system is down or not.  So the classic business interruption policy is going to pay for the lost income. It’s good to have it in your policy because you never know, but there’s not a lot of claims in there in the banking world because it’s difficult to demonstrate you actually lost income.   Kelly Coughlin: Yeah, I suppose it’s mainly reputational damage, if people go to the site and they can’t access it, and the media gets wind of it, then that’s more harmful than loss of any sales on any given day, correct?   Kris St. Martin: Yes, that is correct.   Kelly Coughlin: So this is a whole new policy that banks now have to include in their portfolio of insurance policies.  That’s good for you in that it’s another policy that you can earn fees on.  Bad for them, it’s another policy that they have to pay fees on, but that’s the brave new world.  Is it fair to say that regulators today are looking for and demanding specific policies related to cyber insurance?    Kris St. Martin: Yeah, it’s interesting from the regulators.  They will come in and they will look at your insurance policies, but there’s very little that they absolutely require on insurance.  The way the regulations are written under there is you don’t necessarily have to have insurance, but you’ve got to convince us that you have a way of self-insuring, or what your plan is.  A bank that’s extremely well capitalized can go in without any insurance policies if they want and say we’re going to self-insure for those.  That’s not very common. So the regulators would come in, they don’t require it, but they will look through the insurance policies and it could be a critical comment, if you didn’t have insurance.  When the regulators come in and look at the cyber program and IT in general right now, the insurances went from low business access loss to a very important part of your cyber risk management and how your IT exam is going to come out.  Again, it’s not a requirement, but it’s going to fall into how you’re rated and the components of the rating for that whole area.  They know that if you do have a cyber breach and you’re making decisions, and you need to make fairly timely decisions, because the harm for not acting quickly exponentially get worse.  Not only financially and reputation wise, so it’s good to know that you would have an insurance available to help you make good, accurate, quick, timely decisions and not make bad decisions based on we don’t have a funding mechanism outside of our own capital.  It’s a very distinct part of that exam, but not required.   Kelly Coughlin: Okay.  If I go back to my consulting days of internal controls, you’ve got three categories of controls; prevention, detection, and correction.  Insurance has been more or less in the correction category.  It’s a way to make people whole, make the company whole.  It really doesn’t prevent and detect things.  Those are internal controls that the company has to adopt and use insurance on the correction side.  As part of the insurance underwriting process, is there any sort of work or effort being done by insurance carriers that helps banks on the prevention and detection side in terms of adopting best practices among the industry?  Do they give discounts in premiums if they have best practices, or not?   Kris St. Martin: I think it’s fairly early on in that world with carriers right now, but if you look at an application from a carrier and try to say okay, why are they asking that, a lot of it gets at the best practices that they’re asking.  They’re going down that path and by the way Kelly, the cyber policies today are not viably priced as of yet in the banking industry.  If you’re a community bank under let’s say a half billion, you can probably get a $3 million limit cyber policy.  Now, there’s going to be different bells and whistles there, but you can probably get something in that range for $8 to $12,000 in that range, for $3 million.  We’ve got small little banks that they’re buying them for million dollar coverage for $3,000.  They’re a pretty good robust policy.  Where underwriters are looking at pricing, they can fairly quantify, if a data breach happens based on a number of records, personal data records that you have, there’s different published amounts of somewhere around $30 per record is going to be what your cost is out of pocket.  They can fairly well quantify the costs to immediately get through the data breach part of it and the carriers are fairly comfortable with the pricing on that.  Where it really gets difficult, is more on the liability side; who’s going to end up suing you; what regulatory body is going to put a fine on you; and that is a really ever-evolving market.    As an example, going back to the critical piece of data, if you lost somebody’s business plan, it gets into the wrong hands, that’s hard to quantify.  It all depends on the circumstances.  It could be a half-million dollar lawsuit, it can be a $10 million lawsuit.  So that’s evolving.  Getting back to kind of your question on the underwriting, the first two things that a cyber underwriter will look at in the big picture of things is number of records that you have.  Records are generally defined on the consumer side, if there’s a social security number associated with a name of loss, that’s automatically going to qualify as triggering a data breach for that particular record.  So you look at the number of records both personal and business, that you hold, and that will be on the application and that will be probably the biggest thing that will set the pricing.  A bank may have 100,000 accounts, either accounts that are closed or current ones, but they may have 25,000 individual individuals who opened all of those accounts.  So the number of records would be the individuals with their social security number and how many of those do you have at the bank.  Historically, if you are retaining that information in current accounts, that’s the primary driver with the cost of cyber insurance right now.    They’re going to look at the annual revenue of the company just to give them a scope of the size and breadth of the company.  It’s not perfect, but it gives them an idea of obviously a bigger company versus a smaller organization, because it’s got more things going.  They have more contracts.  They have more data.  In general, more stuff going on that could potentially fall into the cyber world.  Then, you look at a typical application and look at some of the questions that they’re asking.  Some of them would be maybe a complete take out of hey, we don’t want to write this policy.  Some of them are going to be a little much less alarming, if you had answered no. But if you look at it, there’s a reason they’re asking those questions.  It’s the overall risk to the insurance company.  Same thing for the bank.    For example, one question that’s on many applications and I’ll read one, “Does the applicant restrict employee access to personally identify information on a business need to know basis?”  That’s a pretty general question and most banks are going to say, yes, we make sure, we try to make sure that people can have access to different areas on the computer network based on what they need it for, kind of a need to know type.  That question, I think most banks are going to say yes to that.  Who wouldn’t say that?  But they always want you to kind of think that through and really go back and review that.  Hopefully, if I’m looking at that, not only am I going to say well yeah, but hopefully that causes you to go back and really review that because they’re asking that for a very good reason.  There’s claims history behind those questions.   Kelly Coughlin: Back to my prevention, detection, correction internal control model. On the prevention and detection internal controls, what I think I hear you say, let’s say we have a continuum of one being no internal controls and five being terrific internal controls.  In the underwriting process, if the bank comes in at a one or a two, they’re going to get rejected.  If the bank comes in at a four or a five, they’ll get accepted, but they’re not going to get any discounts. They’re not going to get rewarded for their superior internal control structure, but they’ll get accepted.  So if they’re a 3, 4, 5, then they get lumped in terms of the same pricing, but they won’t get rejected.   Kris St. Martin: Yeah, I think that’s a fair statement.  What will happen over time as there is more and more claims history with these carriers, they’re going to be able to get even more defined on that type of thought process.  If they know that, in my example that I talked about under being able to restrict your employees to only certain applications within your system. If that became more and more of a claim problem for carriers, they’re probably going to dig deeper into that and actually ask more and more questions beyond that and have you document that and also base the pricing on that more and more.  So yes, there is definitely some underwriting based on your current procedures in place.  I think just based on where claims are going, there’s going to be more and more of that.   Kelly Coughlin: What’s your expectation in terms of likelihood on the pricing part?  Do you think they’re going to increase or decrease, or stay the same over the next 12 months and then even farther out from that?   Kris St. Martin: Yeah, I think it’s going to be a little bit like the hurricane effect in general P&C insurance.  Whenever there’s a big hurricane, that’s going to affect everybody’s homeowner policy for a couple of years.  Everybody will see the cost of premiums will spread out a little bit.  I think you’re going to see that in cyber.  Right now, there are a number of claims out there, but it’s not to the point where I don’t think that the premiums the carriers are changing isn’t supporting it.  The carriers are a profit business like anybody else. They try not to pay out more than 50% of what they charge in premiums on claims, kind of a rule of thumb and then the other 50% is profit and paying for the rest of your operation. When you see that pay out starting to exceed that kind of industry percentage, that’s when you start seeing the premiums go up. That would just take enormous breaches or volume of community bank breaches, then it’s going to be all claims related.    So, as of right now, based on what the pattern of claims are, it should be pretty steady, but with a caveat that it wouldn’t take much if there’s a couple of alarge financial institutions or a bunch of smaller ones, you’re starting to get into hundreds of millions of dollars of claims, that could push prices up in a hurry.  The other part to that is there’s also a future expectation of risk of what’s going on, they can push it up also.  Even if the claims haven’t quite hit yet, if there is a more and more devious way to harm banks than before and that comes out, and there’s a fear of that, you may see some underwriters starting to push the premiums up in anticipation of that.  They don’t have any reason to believe right now, based on what’s been happening, that we’re going to see premiums drastically increase in 12 months.   Kelly Coughlin: Well, that’s it for part one of my interview with Kris St. Martin, a bank cyber security expert at CBIZ.  In part two, we’ll talk more about what drives premium costs and once a bank experiences a cyber intrusion then what are the actual types of costs the bank can insure, and how to make sure that these costs are recoverable in an insurance claim.    Announcer: We want to thank you for listening to the syndicated audio program bankbosun.com.  The audio content is produced and syndicated by Seth Green, market domination with the help of Kevin Boyle.  Video content is produced by The Guildmaster Studio, Keenan Bobson Boyle.  Voice introduction is me, Karim Kronfil. The program is hosted by Kelly Coughlin.  If you like this program, please tell us. If you don’t, please tell us how we can improve it.  Now, some disclaimers.  Kelly is licensed with the Minnesota State Board of Accountancy as a Certified Public Accountant.  The views expressed here are solely those of Kelly Coughlin and his guests in their private capacity and do not in any way, represent the views of any other agent, principal, employer, employee, lender, or supplier.