Podcasts about Lewandowski

#Medienlupe #PeterLewandowski #DNEWS24 #Aussenkanzler #SöderKebab #Brandmauer #Bürgergeld Empfang der Premierminister von Belgien und Kanada am Dienstag in Berlin, Besuch Chișinău am Mittwoch, Konferenz in Bregancon am Donnerstag - Friedrich Merz sammelt fleißig Flugmeilen und Kontakte. Ein Blick in den Kalender zeigt aber auch: der Herbst der Entscheidungen kommt unvermeidlich. Stellt sich die Frage, kann Friedrich Merz auch Innenpolitik? Oder kann er "nur" auf internationaler Bühne glänzen?Einschätzungen und Wertungen zu den Themen der Woche in der DNEWS24TV-Medienlupe mit Peter Lewandowski.

The boys are finally back with their first la liga review show! Dig into a mega-sode covering the first 4 games of the season for the clasico sides, with Barcelona beating Mallorca in a wild, red-card littered game (9:57), Real Madrid cruising to a win at home vs Osasuna (27:22), Barcelona prevailing at the death against Levante (35:19), and Madrid making it a little too exciting against newly promoted Real Oviedo (55:32). Then, Payton previews Barcelona's game on Sunday against Rayo (1:11:33), and Mark looks ahead to Real Madrid's match against Mallorca (1:16:01). 

The Football Drop Podcast is back with another banter-filled, insight-packed episode! ⚽

Wykład Marka Lewandowskiego w ramach Instytut Geofizyki PAN [22 czerwca 2022]Kapsuła czasu, która 17 września 2017 roku została zakopana w ziemi niedaleko Polskiej Stacji Polarnej Hornsund na Spitsbergenie, powstała w ramach projektu IGF PAN. Jej pomysłodawcą jest prof. Marek Lewandowski, kierownik Zakładu Badań Polarnych i Morskich IGF PAN.W ramach wykładu prof. Marka Lewandowskiego, kierownika Zakładu Badań Polarnych i Morskich IGF PAN, poznamy niezwykłą historię kapsuły czasu, która została zakopana 17 września 2017 roku w pobliżu Polskiej Stacji Polarnej Hornsund na Spitsbergenie. Kapsuła ta, stworzona w ramach projektu Instytutu Geofizyki PAN, skrywa przesłanie dla przyszłych pokoleń – naukowy, kulturowy i symboliczny obraz naszej epoki. Podczas spotkania usłyszymy o jej zawartości, celach projektu i miejscu, jakie zajmuje on w szerszym kontekście badań polarnych.17 września 2017 roku specjalnie przygotowaną kapsułę czasu włożono na głębokość 4 metrów do otworu wywierconego w pobliżu Polskiej Stacji Polarnej Hornsund na Spitsbergenie i dokładnie zasypano. W ten sposób uczciliśmy 60-lecie istnienia stacji. Kapsuła czasu być może przekaże kiedyś wiadomość o nas odległej w czasie cywilizacji. Możemy jedynie spekulować czy cywilizacja przyszłości zrozumie nasze systemy komunikacji: pisania, mówienia, obrazowania, mowy ciała, praktyk religijnych, wyrażających nasze transcendentalne myślenie. Mniej spostrzeganą formą komunikacji jest język przedmiotów, choć używamy go na co dzień. Obiekty, które znalazły się w kapsule opowiadają historię naszej cywilizacji. Pokazują nasz rozwój techniczny, świadczą o poziomie naszej wiedzy i zrozumienia Ziemi i Wszechświata. Używamy języka przedmiotów do pisania „wiadomości w butelce”, która została wrzucona do otchłani geologicznego czasu. Co o nas mówi? Czy zostanie odczytana?Strona projektu w języku angielskim: https://timecapsule.igf.edu.pl/Zbiór publikacji dotyczących projektu: https://www.igf.edu.pl/kapsula-czasu.phpprof. Marek Lewandowski - kierownik Zakładu Badań Polarnych i Morskich w Instytucie Geofizyki PAN, specjalista w dziedzinie paleomagnetyzmu – działu geofizyki analizującego historię ziemskiego pola magnetycznego. Profesor Lewandowski pełni także istotną rolę w kształtowaniu Polskiej Polityki Polarnej PAN. Jest inicjatorem i kierownikiem IV Wyprawy Geofizycznej do Polskiej Stacji Antarktycznej im. A. B. Dobrowolskiego, która w sezonie letnim 2021/2022 zrewitalizowała stację, przywracając ją do działalności naukowej. Pod jego opieką stacja została wyposażona w autonomiczne aparatury do badań sejsmicznych, jonosferycznych, magnetycznych i meteorologicznych oraz dostosowana do zaawansowanych pomiarów polarnych. Profesora Lewandowskiego cechuje również wizjonerskie podejście do przyszłości badań polarnych – postuluje rozwój autonomicznych stacji badawczych na Antarktydzie, zasilanych energią słoneczną i przesyłających dane drogą satelitarną. Wskazuje na unikalny potencjał Oazy Bungera jako miejsca badawczego i testowego dla aparatury polarnej oraz kosmicznejMateriał powstał w ramach projektu EDU-ARCTIC.PL, który jest finansowany ze środków Ministerstwa Nauki i Szkolnictwa Wyższego w ramach programu DIALOG.Jeśli chcesz wspierać Wszechnicę w dalszym tworzeniu treści, organizowaniu kolejnych #rozmówWszechnicy, możesz:1. Zostać Patronem Wszechnicy FWW w serwisie https://patronite.pl/wszechnicafww2. Możesz wspierać nas, robiąc zakupy za pomocą serwisu Fanimani.pl - https://tiny.pl/wkwpk3. Możesz przekazać nam darowiznę na cele statutowe tradycyjnym przelewemDarowizny dla Fundacji Wspomagania Wsi można przekazywać na konto nr:33 1600 1462 1808 7033 4000 0001Fundacja Wspomagania WsiZnajdź nas: https://www.youtube.com/c/WszechnicaFWW/https://www.facebook.com/WszechnicaFWW1/https://anchor.fm/wszechnicaorgpl---historiahttps://anchor.fm/wszechnica-fww-naukahttps://wszechnica.org.pl/#kapsułaczasu #nauka #czas #igfpan #spitsbergen

La reciente reunión entre Trump y Zelensky en Washington arrojó resultados limitados sin un plan de paz claro. Zelensky indicó su disposición a ceder parte del territorio ucraniano a Putin a cambio de negociaciones. Mientras tanto, Ucrania sigue sufriendo ataques, con el consiguiente agotamiento de su población. En España, la investigación contra Begoña Gómez, esposa de Pedro Sánchez, se amplía a cinco cargos, incluyendo malversación. Los incendios siguen devastando el oeste de España, especialmente Galicia, Castilla y León, y Extremadura. Miles de hectáreas han sido calcinadas, causando daños materiales y afectando la calidad del aire y la salud. La finalización de la ola de calor podría ayudar a controlar los fuegos, aunque su impacto económico es severo. También se abordaron noticias deportivas como el debut de Máximo Tanque con el Real Madrid y la recuperación de Lewandowski, además del caso de las monjas cismáticas y nuevas modalidades de fraude digital.

#Medienlupe #PeterLewandowski #DNEWS24 #UkrainegipfelVolodymyr Selenskyi im schwarzen Anzug im Oval Office mit Donald Trump und J.D. Vance - ohne Eklat. Lange Runde mit verschiedenen Regierungschefs aus Europa, Telefonate mit Wladimir Putin - wie sieht das Ergebnis aus?Einschätzungen und Wertungen zu den Themen der Woche in der DNEWS24TV-Medienlupe mit Peter Lewandowski.

“QUIZÁS VUELVA al REAL MADRID” | LA LESIÓN de LEWANDOWSKI | NUEVA ESTRELLA en LALIGA

#Medienlupe #PeterLewandowski #DNEWS24 #Anchorage #Ukrainekrieg #TrumpPutinGipfelDas Treffen des mächtigsten Mannes der Welt - US-Präsident Donald Trump - mit dem durch internationalen Haftbefehl gesuchten Kriegsverbrecher Wladimir Putin begann um 11.30 Uhr (Ortszeit/21.30 MESZ) in Anchorage im US-Bundesstaat Alaska auf dem Militärstützpunkt Joint Base Elmendorf-Richardson. Nach drei Stunden war klar: es war ein Gipfel ganz nach Putins Geschmack - Trump kuscht vor Putin und die Europäer stehen blamiert da. Die Ukraine ist in realer Not.Einschätzungen und Wertungen zu den Themen der Woche in der DNEWS24TV-Medienlupe mit Peter Lewandowski.

It's time to officially kick off the 25/26 La Liga season, Fanaticos!! In this opening day edition of ECP, the boys are here to bring you the latest news, notes, and Matchday 1 previews. We kick things off with a roundup of the craziness that is the current state of La Liga, with registration woes and game location fiascos, the league is off to a bombastic start. Then, we turn our attention to the first La Liga games of the new season, with Barcelona taking on Mallorca (21:05) and Real Madrid hosting the bulls of Osasuna (28:34). Welcome back to La Liga action!!!

On this episode of "The Founder's Sandbox", Brenda speaks with Donovan Ryckis; CEO of Ethos Benefits, the nation's leading fiduciary benefits consultant in mid- -large market employers. Ethos Benefits was founded in 2016, after a chance request from a client of Donovan when he operated as a financial advisor--the client was faced with an increase in the companies' health insurance bill for the companies' employee plan that would have had a financial burden that threatened the sustainability of the company.   ‘Ethos' represents the guiding principle, character, or spirit of a person or organization. It's the ‘why' that drives decision-making and fuel's purpose.   Through Donovan's origin story we will have our eyes opened as business owners to the potential risks of employer sponsored healthcare plans and how to mitigate these risks. You can find out more about Donovan and Ethos at: www.linkedin.com/in/donovanryckis Upcoming master class on August 14th https://ethosbenefits.com/ https://businessofbenefitspodcast.com/ For a limited time only access the documentary: It's not personal, it's just  healthcare. https://ethosbenefits.com/documentary/     Transcript:  00:04 Welcome back to the Founder's Sandbox. I am Brenda McCabe, your host on this monthly podcast. It reaches  business owners and entrepreneurs who learn about building resilient, scalable, and 00:32 purpose-driven companies, all with great corporate governance. I am Brenda McCabe, and I am your host. And the guests that come to the podcast are not only those founders and business owners who are sharing their experiences, but also corporate directors,  investors,  and professional service providers who, like me, want to use the power of the private enterprise, small, medium, and large, to create change for a better world. 01:00 Through storytelling here and a recreated  sandbox,  my goal is to equip  one startup founder or one business owner at a time to build a better world through great corporate governance. Today, my guest is Donovan Rikas.  He is joining the podcast as CEO of Ethos Benefits, the nation's leading fiduciary benefits consultant in the mid to large market employer space. 01:29 So I'm absolutely delighted to bring in a professional service provider in  the employer benefits area, which  we're going to  unpeel  this  sector  today in the podcast. it's fascinating. So thank you, Donovan, for joining me today. Thank you, Brenda. Thanks for having me. Excellent. So  the company you and Chelsea, your wife and president of Ethos Benefits, 01:59 was founded in 2016, which wasn't that  long ago.  But it happened serendipitously.  You got a chance request because at that time, you were a financial advisor, right? Yes. When  your client was faced with an increase  in the company's health insurance bill for their employee plan,  pardon me, that would have had such a financial burden,  it would have threatened the sustainability of 02:27 the company and that's your client. So what did you do Donovan? What was the origin  of Ethos Benefits? Thank you. Yeah, so that's exactly right. I started as a financial advisor.  So Ethos Benefits was formerly a registered investment advisory, which was Jay Donovan Financial.  And one of the interesting things that are a little bit different on the security side versus the insurance world is 02:56 the ability to  license and designate yourself as a fiduciary advisor to your clients.  So that's really important and that's kind of where we started as financial advisors. So that essentially means that you're not gonna be commission-based with variable commissions based on what you wanna sell and the client doesn't really understand, right? You're gonna be  transparent with how you earn any compensation. 03:23 and you're not gonna have any conflicts of interest that might change  the recommendations or advice that you're giving them. So it's gonna be flat fee and you get to work with them directly instead of working for the financial institutions and the insurance companies kind of in the background that are actually the ones incentivizing. Cause  it's this odd relationship where it's like you think the financial advisor is working for you but they're actually incentivized by the institutions  that they're representing. Very important clarification because we do have a question 03:53 further on, which is, you know, what, what, how does the 401k management, right about employers 401 plan, mirror that of healthcare benefits? Yeah, for sure. You'll start to see some of those. So that's how we're working as financial advisors. And that's an important distinction as we get into an explanation of 04:22 the whole healthcare industry and how that works. So you're exactly right. I was working as a financial advisor, working with business owners  because they had more kind of complicated planning and tax structures and things that I could do to really make a difference.  And what I realized is when most of them had commission-based advisors, they'd rush to sell a product, mutual funds  with upfront loads and REITs that had  proprietary commissions and all this kind of stuff. And then they would leave without worrying about any of the 04:52 tax consequences,  you know, islets or trusts or even wills, right? Like all these extra things that business owners needed to set up their own personal wealth, but also their company, their 401k, maybe combining a defined benefit plan. So that was kind of the niche I chose.  And it was incredibly lucrative. I loved it.  Was doing exactly what I wanted to do until that client kind of asked me for that help, like you alluded to. 05:21 And it was 40 % increase on his health insurance. He said, my broker says, this is it. There is nothing else. Can you help? And I didn't know any idea. Like I had no idea about health insurance or what I do. But yeah, just- No, no. problem. 05:39 And certainly as a financial advisor, it kind of seemed like going backwards and beneath me. didn't really want to do it, but I was like, I could hear the panic in his voice. And I was like, yeah, absolutely. Just send me everything you have. And after about three weeks, basically making as many connections in the industry and learning as much as I could and trying different things, we basically mitigated that increase entirely. 06:05 And he actually came three points under where he was currently today before that increase. And we didn't take away any benefits from employees. We didn't put them in smaller  HMO networks. We didn't increase deductibles or increase their premiums. None of the usual tricks.  So this was a like for like solution. We actually improved the plan a bit and came in under.  And it really made me realize in that moment, it wasn't my experience or my education or my smarts that 06:34 may be able to do this,  it was a lack of conflicts  in compensation and incentives,  right? Because his broker does about $7 billion a year annually.  I didn't come in with more market knowledge, leverage, or experience. I just didn't have conflicts of interest and compensation. That's what  started me down this path.  And  back then,  you hadn't yet  created Ethos Benefits with that name. 07:03 So when I did a little bit of research,  I couldn't have been more delighted that you actually reached out to to be featured on the founder sandbox because of two reasons, you the word fiduciary, right?  It was in  your basically your call to action, right? Or your or the definition of company. So,  you know, you  are  the governance of a company goes way beyond making a profit for shareholders. 07:32 the duty of care, the duty of loyalty and the duty of obedience is really the underpinning elements of  fiduciary duty. And on your website, you say our ethos is simple fiduciary first. So we're going to appeal that in here in a minute here. So act in the best interest of those we serve,  no matter the cost. You also on the website,  you you had a purpose ethos represents the guiding principle. 08:01 character or spirit of an organization or a person is the why that drives decision making and feels purpose. So I,  I looked like I was reading what next act advisors may consult a firm is about is just really finding those purpose driven. So  with that, I wanted to just, you know, ask you,  what was that you had that first client that first aha moment, and 08:29 How long did it take you and did when did you realize that this could be a a career change for you, right? Rather than a financial advisor, you were actually actually a health care benefits advisor, right? Yeah, I mean, I think I think the first moment is, you know, being being a financial advisor was very lucrative. And I like the people I was working with. I liked working with entrepreneurs and business owners and and, you know, just 08:58 I found them inspiring and I was curious about the things they're doing. And  I think that kind of lifts everybody up when you keep a circle like that, right? Like you  push yourself harder, you learn, educate and do different things.  So I love the clients I was working with. Like I said,  maybe  working on personal wealth for individuals though, isn't the most rewarding thing you could be doing. seeing that... 09:25 Don't get me wrong, I was paid well enough. It would have took me a long time to figure out that it wasn't very personally fulfilling.  But seeing that first case, mean, the first thing I did when I got that successful proposal back, before I presented it to the clients is I was looking at the math  of what does this cost? What difference does this make per paycheck to all the individuals in this planet? And then I'd look at somebody, my God, this person's got a wife and two kids. Look at the difference in premium there. 09:54 I was calculating my work in return to the average American worker and realizing like me putting myself aside to  proactively, strategically go after this problem instead of making a decision for my own personal commission, looking at how much that impacted everybody. And that was powerful. 10:20 I'm going on 20 years in financial services and every aspect of it, I've seen people who prioritize commissions over, you know, a better product, a better outcome for an individual. But the idea that that could be done on scale to where you're now making that decision for yourself over 200, 500, 2000, 3000 employees, like that's pretty disgusting, right? So seeing that that kind of impact could be made. 10:49 I mean, it was  it was really not a question after that I knew I was transitioning my business. Excellent. Excellent. So  my own path  after 25 years in Europe  was quite an eye opening experience when I came back to the United States, I am a US citizen, but I had to get you know, I've been working for myself and I had to get self insured. So  I got back this is like 11:18 12 years ago, I got the Affordable Care Act for dummies from my local library.  I had not yet transferred my tax certification to the United States takes quite a few years when you've been gone so long.  So you because you do have to sub venture tax returns and all that. And then  I ran into I met Marshall Allen, the author of never pay the first bill and the other ways to fight the healthcare system and when 11:46 Marshall Allen actually spoke at  a graduate or alumni event of University Chicago. And  I was, you know, reading these books. And you know, eventually,  I got my own broker to help me get onto the exchange. But it every year has been  an experience.  I'm fortunate to be part of a  membership organization through which  for small  and medium sized businesses and I get  PPO through 12:14 I won't mention names, but  I was  blessed because just  and I'm 12 years in the United States, you have to knock on a lot of doors to actually get health care when you are a small business  owner  and really  understand what  you are paying for,  not only your premiums of what are the services  that are provided. So can you talk about  the average 12:44 premium for a family of four and some of the  numbers that you discovered  and believe  we as a country could actually improve  on the outcomes, healthcare outcomes with the actual spend we have today, right? Yeah, we're getting the numbers are pretty wild. mean, I feel like we're really kind of getting to a breaking point with it.  You know, 13:12 For what I work on, employer-sponsored healthcare, 186 million Americans are covered under employer-sponsored healthcare plan. These plans can average increases anywhere from seven to 10 % annually. We see a lot of reports that come out that kind of measure these things. Kaiser Family Foundation does one, Milliman Index is another one. So there's a lot of studies that kind of measure this annually and changes for employers across the board. 13:41 What we saw this year for 2025 was the average cost for a family of four under employer sponsored health care plan is $35,119, which is just an astonishing number. That is unaffordable for an employer. That's unaffordable for an employee. And it's unaffordable for them to split that cost as well, which is how these, yeah, that's how they're structured in some way or another. 14:11 And another number to know that kind of governs this is the ACA affordability percentage, which is essentially where employers have to contribute, they have to contribute enough to keep the premium under this amount, which is 9.02 % this year. So premium for one of your employees cannot exceed 9.02 % of their take-home pay. 14:39 And this is updated on an annual basis, correct? Correct. Yeah, it fluctuates a little bit, but it's always right at 9, 8.5, 9.2, it's balanced up and down. But that's a pretty astonishing number too. And I see a lot of companies that are basically designing their contribution just to stay under that. it's, obviously they'd love to do more, but with the way these costs increase annually, sooner or later, they get to that point. 15:07 where they're kind of designing it just to be under 9 % of the employee's income. Okay, that's  astonishing.  And I'm happy that you  are working nationwide now with employer benefits with companies that, what's the size of the companies that you typically sell to? So we only work with large employers these days. And if we have somebody come in a little bit under, we have some associate agencies that we can kind of refer them to. 15:36 I'd say our minimum is usually like 250 eligible employees all the way up to 5000. Yeah, so anywhere in that mix. Excellent. So when again, I first met you was unaware because you've basically become nationwide in the last what two, three years, right? I'd say around COVID. Yeah, I took off right. So when I was speaking with you spent some time on the website. 16:06 I was trying to understand the sales alignment. So how you reach customers, those employees that have 250 between 250 and 5,000 employees, right? My first reaction was, OK, Donovan, go in with either of these benefits. You do a cost down, right? You've done, you basically work yourself out of the job. You corrected me. So for my audience, so how? 16:32 does ethos benefits work for a company, right?  What is that?  Is it is it an annual  engagement  talk walk me through the work you Yeah, I mean, things are happening on a daily like when we break down our scope of services, we'll actually show them like,  these are daily, these are weekly tasks, these are monthly, quarterly and annual because there's so much happening.  So  we're talking about the employee benefit space. Yes, it's  the 17:01 kind of designing consulting for the annual premium for a 12 month period. I think that's what people first consider.  But there's also a ton of compliance factors that have to happen throughout the year that that company has to fill out, right? Could be anything from section  125s,  5,500s,  wrap documents, all kinds of notices and disclosures  that need to be done.  Also, you know, we deal with benefits administration. So that's... 17:29 How are the employees making elections, seeing premiums? Is that integrating into payroll?  So functions like that with eligibility in and out of the company  adjusting that.  But also we kind of discussed and talked about the fact that health care is incredibly complex. So all the same market influences, where the market's at, interest rates,  inflation, all that kind of stuff affects  health care rates just like any other company in the market. 17:58 but it also gets as granular as  new medical procedures, new drugs, new generic drugs that are now an option.  It can even go down, you know, locally or regionally to where we get a new CFO in a hospital group and that starts changing the reimbursement rates that they're requesting from the insurance. So we see that where kind of a CFO comes in and they start flexing, making life difficult in a particular region or with a hospital group. 18:28 So all these things are kind of coming together and changing every single day.  Also the fact of the sheer amount of bills,  claims that come through.  So what we see on average,  this is a pretty crazy number, but  what we see on average is 18 claims  per employee per year. Okay, that's a lot.  That's a lot. So if we had just a hundred employees, that'd be 1800. 18:56 basically accounts payable  into the company. And that's part of our job too, because as you might imagine, hospitals make tons of mistakes on the bills, about 80 % of the bills have mistakes.  And then we also have to make sure that those are coming in at fair reimbursement rates to the company, because what hospitals bill is a spectrum for the exact same procedure. And the only difference is the payer. It's not the patient, it's not the complexity, it's not the physician, like it's literally 19:25 just the insurance card that can affect that difference in reimbursement rates. So all these things kind of come together where, yes, it  very much is a daily  task for me and my team on different things that we're working on. And- Are you an advocate in any way for the employees? Yes,  very much. So, you know, it's two, there's two complicated ecosystems at the same time that we're trying to navigate. 19:52 One is certainly the healthcare finance, which is what we're working with the company. But healthcare delivery for employees and members is just as complicated and confusing as far as where do I go? What is this gonna cost? What's the next step? Can I get a second opinion? How would that work? Right? And also helping navigate them to their highest cost or their lowest cost, highest quality and understanding what that is and giving them options to seek care at. 20:21 at lower prices if that's available. Excellent.  So your  delivery platform, is it like a customer success team  that  is assigned solely to that client? How does it work? Yeah, so it's kind of different. every employer is starting at a different place. They also have different ideas of where their end place or where their goal is. 20:49 healthcare delivery, kind of working on some things like that, there might be a couple of different ways we handle it. One might be having a direct  primary care provider. So the idea of a direct  primary care provider is basically same day, next day appointments with your primary care physician  and 30 to 60 minute visit times, not the average, which is seven minutes with a PCP, which is what most people get across the country.  And  with that DPC provider, you can also do things like 21:18 stitches,  blood work, get generic meds. So we're talking about more of a comprehensive service when you actually need it, not  the 14, 18 day  primary care. So that might be one of the ways we help with healthcare delivery.  It might be a nurse concierge where they have a nurse that they can help find providers,  navigate them. That might be a part of it.  So it kind of depends. then also  a lot of the times are 21:47 Our team will basically act as a care coach, where if they have anything going on, they can just call us. We'll help them set appointments, navigate them towards care, help them with their ID problems. Fantastic. Anything else you'd like to share or shed some light on the service offering of ETHOS benefits? So we're going to jump into a legal question in a minute here. 22:13 Yeah, I mean, it always just depends on the employer.  what I would say is generally they find everything we do to be  more comprehensive. And I think that's just the nature of the fact that we're not seeking compensation from the insurance providers or working with the client, because  it's my belief that we don't have a single thing to sell to an employer.  Employers have a health care problem. And we're here to solve that and work through that in any 22:42 way that they need at that given time.  So we're not,  you know, pushing those solutions are having those conflicts.  It's an excellent segue down into  current lawsuits  that are popping up with respect to,  first of all 401k, lawyer, and now healthcare benefits. So before we jump into that some specific cases, you know, for my listeners, what does fiduciary mean? 23:12 in your business model, right? Please. Yeah. So fiduciary for us is certainly always acting in the best interest of those that you represent. It's the highest standard of care.  So you mentioned a couple of things  earlier, loyalty, obedience. I think the biggest thing where companies may think they're acting as a fiduciary and they're not, because while we carry that duty to our employers and our clients, 23:40 Employers have that duty to all of their employees. And that's something that are kind of educating them because a lot of them don't realize it. But  I think the big duty that is  left out or misunderstood is the duty of prudence.  Okay. So did they go far enough in investigating solutions and understanding the problem and working through it and having a committee within the company to kind of help go through that? Because what I mean, in a compensation package, there is nothing more important 24:10 than the cost of health care and the options in health care, right? And how those decisions are being made.  So I see the duty of  prudence being the kind of  most 24:23 I, the duty with the most opportunity, let's say, maybe, maybe the most misunderstood because  the employer sometimes think, well, you know, the broker came in and he showed me one or two other options.  This is the least worst option. Therefore that's what we're doing. And I think that's enough. Right.  And that is not the case.  And it's only until there's a 40 % increase due, right. It doesn't employer say  my business is not sustainable. 24:51 So actually healthcare is what not the number two or number three expense  in the company's PNL today. Correct. Right. So walk me through some of these  recent lawsuits.  Yeah, I think we have companies like J &J and JP Morgan. Speak to me about that. 25:14 Yeah, J. J. J. P. Morgan, Wells Fargo. A lot of them are almost they're copied and in some parts of the complaint,  because it's very much the same thing. the first one we saw was  Lewandowski versus Johnson and Johnson. And this is for their health care plan. You know, they're a Fortune 50 company.  I think they somewhere around 160,000 employees. 25:42 and they have a benefits committee and a benefits team of 16 or 18 people. So a big team of people to help make these decisions, understand them and vet them. And the lawsuit is basically for their decision of pharmacy benefit manager. So a pharmacy benefit manager essentially sets the price for any drugs that employees could get within the plan. And it lays out 35 or so specific examples of drugs 26:12 but basically they agreed to pay  up to  13,000 times  the cost of the drug that's available, just cash pay.  employee and employer funds are agreeing to pay that kind of multiple on a drug that's available without insurance, much, much cheaper.  And the  lawsuit is brought by the plaintiffs, who are they? 26:40 am Lewandowski. So she's she's the plaintiff. And then I believe as it's developed, other employees have kind of came on. So 13,000 was it do you know, I know that you're not directly involved in this case. Nor should you speak to it if that is the case. But is the transparency of the data? Can you get that data if you were an employee to then understand the 27:09 multiples that your employer plan has agreed to pay to the pharmacy benefit. I'm aghast. 13, I think the number is 13,226. So when this came out last January, the first thing I did is I read through the whole complaint. It was like 130 pages went through all these. So for all the drugs that were mentioned, I ran 27:40 J &J's prices, again, Fortune 50, 150, 160,000 employees. So you would assume they're getting leveraged prices, they're making great decisions, all those kinds of things. I ran those prices against what my clients were paying. And in the smallest, like I think our smallest in my book of business, like 100 insured employees somewhere around there, they were paying 94 % less. 28:06 for the same, for one fill of all the same drugs. So the math worked out to be like 135,000 for J &J for one fill of each of those. And my clients were like 3000 or 4000, don't know, it's all my LinkedIn. posted the public letter as soon as it came out. But I basically price referenced them. So it's not a question of leverage or buying power, know, all the ridiculous things you hear. 28:34 when you're talking to  an insurance broker for these types of decisions,  it's literally, it comes down to that question of prudence. Like,  how did you vet these decisions?  Do you know how the pharmacy benefit manager is getting paid? Do you know what these drug benchmarks are against the cash price?  And that's  where I think this lawsuit is gonna be a slam dunk. Like, there is no reason for a company that size with that big of a benefits committee to hire such a conflicted PBM, is what they call it. 29:04 You heard it here on the founder sandbox. So stay tuned for  any other  lawsuits that are  worthy of mention. Do all of them? Are they all related to the pharmacy benefit manager conundrum?  There's there's all kinds of lawsuits. I think the PBMs are the lowest hanging fruit because it's so easy to benchmark. But certainly the same arguments exist with  hospital reimbursement rates. 29:33 And we're starting to see those as well. Excellent. Well, thank you  for sharing  a bit more  details on  the  recent,  I guess,  health care benefits in the news, right? Lawsuits.  Going to get a little bit technical here. 29:57 because you allowed me to.  the framework of the CAA of 2020 and 2021, that's the minimum set of standards for activities to benchmark health care plans.  And so  what are they?  Because it then leads into  some of the common sense strategies  that employers can deploy immediately.  So can you walk? Because this is just as yesterday, it's actually during the pandemic. What's the CAA? 30:27 of 2020, 2021. Thank you. Yeah. So that's the interesting part of this. So the reason I said a decade ago, over a decade ago, I was waiting for these health care lawsuits to happen. It's because Arissa has always stated that  employers have this fiduciary responsibility, just like they had with  401k. The problem has been, and the reason these lawsuits didn't come sooner, is that health insurance companies  make this data hard to access. 30:56 different carriers were released different amounts.  And there was no set of compliance standards for employers to understand this is how I go about making it, making these decisions and benchmarking these decisions, right? Like  it was all just too vague, too opaque. The data was too gagged and withheld from the employers.  So the starting point of how do I know I'm being prudent or not, that's kind of what wasn't known prior to the  CAA of 2021. 31:27 So  the CAA  basically defined a set of minimum standards  that you have to do to even pretend like you're being a prudent fiduciary for your healthcare plan. So there's four things, but there's three main things. I'll mention the fourth thing as well, because there's funny stuff about that.  So the first one  should be the most obvious, and  it's kind of our founding story, which is understanding 31:53 your broker compensation before you enter into any arrangement or agreement for your upcoming plan. So that should not only be how much,  it should be when, what type of bonus is there. If you're looking at carrier A, B, and C, really what it says is you should know what is their compensation for carrier A, B, and C before you make an arrangement, because they will be different. And that will change the recommendation, the advice, the conversation that you're having with that broker. 32:23 is critical. That is so critical. And  in reading these transparency commission  disclosures from  brokers, it is wild, the stuff that they put in there and how conflicted their advice is.  One of them that I looked at last week said, broker acknowledges that their parent company has equity in the insurance carriers that they're recommending. Oh my gosh. So they're essentially saying, 32:52 We are an insurance company that's going to bias our recommendations to the own companies we have equity in. It's like, that's no longer a party you should take advice from, right? 33:07 Okay, so that's part one.  Yeah, no, this is this is  and you know,  I without it's gonna get too technical because the gag clause and  the prescription DC reporting so that you know, basically CAA has provided the set of benchmarks, right, which  you need to at least checkmark right before you actually do. 33:35 engage or decide on your employer benefit plan.  Yeah. To be in compliance with your fiduciary duty, particularly that of prudence. Yeah.  Yeah. And I think companies shouldn't look at as a checkmark. I think if they apply it with a good faith effort, they'll see like, oh,  it's not compliance. This is a framework  for making better decisions.  Right.  And that's what it's meant to do. It's meant to say, 34:05 Know your compensation, know your drug benchmarks,  and  eliminate any gag clauses to your data because you need your data to make decisions. So I think if companies make a faith effort, they'll automatically get better outcomes. That's the way here. Excellent. Well, thank you, Donovan. I want to give me this time to actually  speak about  how to contact you,  your company. But more importantly, 34:34 There is  you're hosting a webinar on August 14, which is right around the corner. Can you  give us some more details?  The details will be in the show notes,  but speak to the event that ethos benefits is hosting on August 14 2025. Thanks. Yeah, thank  you.  Yeah. So on the 14th, we're doing a fiduciary workshop masterclass, which is basically understanding what your 35:03 what your duties are, how to get through them, how to navigate them, how to have this framework for decision making and document that process as well. And it's all geared towards just achieving those better outcomes for your company, eliminating any of these risks and really creating positive results for your people. Excellent. And any information with respect to how to reach out to you beyond the- Yeah, sorry. the registration is on a banner on the top of our 35:33 on our homepage. So ethos benefits.com. If you connect with me on LinkedIn, LinkedIn,  Donovan, ragas, you can find it there as well.  Great. Well, I'm coming to the  part of my podcast, which  brings us back to the sandbox.  In my work, I'm all about working with purpose driven, scalable, and resilient companies. 36:00 And so I ask my guest, what is the meaning of each of those terms? What does purpose mean to you? 36:08 Purpose, what does it mean to you? That's such a big question that you can go a lot away from. You know, I feel like purpose should be almost like a hidden driver. It's almost not like a well-considered thing. It's just kind of driving you forward.  I think our purpose  is progress,  right? Like if something can be done better, it should be and just kind of moving forward with that. 36:35 We're trying to move one company at a time, but also the industry and better outcomes  for the country. 36:43 And that good feel factor when you get up in the morning and know that you're doing good, right? Yeah, absolutely. Let's just sleep well at night. Right? Yes. Amazing. How about resilience? You did share with me off  camera that yeah, while you abandoned the financials,  advisory role, it took almost five years, right to really find product market fit, right  and build this because it's a very unknown right industry. 37:12 unknown service within a very, very  complex industry, right? Yeah. So resilience for you, what does that mean?  Yeah, I think you're right. You know, it took us a while because we were sharing such a wildly different message than what people were hearing from their brokers. And sometimes they look at you and be like, well, you're small, they're big, that must mean they're right, right.  So I think resilience is being able to go from 37:42 failure to failure without any loss in energy, right? So when something doesn't go your way and you have an obstacle, an outcome that is less than desired, it's about being able to push on still without losing any of your optimism or energy. And that's all we do. So. Thank you for what you do. And scalable. What does scalable mean? 38:07 Scalable is certainly about having an actual documented process. I think when you're getting into something new as a company or a new system or procedure process, if it's not something that everybody in the company could repeat in the same way that I do, just inherently the way I do it because of my background and education, if it's not repeatable for everybody and everybody doesn't understand the purpose for those steps, 38:36 the outcomes from those steps, like the end result, it's definitely not gonna be scalable. Thank you. Final question. Did you have fun on the sandbox today? I did. Thank you so much for having  me. Thank you, Donovan.  So to my listeners, if you liked this episode with Donovan Rikas from Ethos Benefits,  sign up for the monthly release of founders, business owners, corporate directors, and professional service providers that share their experiences. 39:06 and how to build with strong governance a resilient, scalable, and purpose-driven company to make profits for good. Signing off for this month, thank you very much. Have a great day.  

#Medienlupe #PeterLewandowski #DNEWS24 #FriedrichMerz #CDU #Brandmauer #Aussenkanzler Es scheint so, als ob Friedrich Merz als Bundeskanzler nichts gelingt. Sein agieren ist glück- und oft taktlos. Das färbt auf andere Spitzenpolitiker seiner CDU ab, die die Bodenhaftung verlieren. Als Quittung überholt die AfD in aktuellen Umfragen die Union deutlich.Einschätzungen und Wertungen zu den Themen der Woche in der DNEWS24TV-Medienlupe mit Peter Lewandowski.

"Rozmawiałem telefonicznie z Robertem Lewandowskim i padło pytanie, czy chce wrócić. Odpowiedział, że tak. Zrobiliśmy więc krok do przodu" - powiedział Jan Urban w Porannej rozmowie w RMF FM. Pytany, czy Lewandowski będzie kapitanem reprezentacji, podkreślił, że rozmowy na ten temat trwają. "Nie chciałbym tylko rozmawiać z Robertem, ale również z zainteresowanymi - Piotrkiem Zielińskim czy z zawodnikami, którzy są w radzie drużyny. Decyzję podejmę ja, jednak chciałbym wysłuchać zawodników i dowiedzieć się, co oni o tym myślą".

Mark and Payton continue to froth at the mouth as the dawn of the new la liga season draws ever closer, and make their bold predictions for the season, with wild swings about Guler, Yamal, Vini, Mbappe, and many more. Then, in an el clasico podcastico first, your hosts set Barcelona and Real Madrid off on main and side quests for the season (38:14). Who will become an unlikely star? Will Barcelona's major signings even play? Listen to find out!

OFICIAL: VENTA en el BARÇA | POSIBLE SALIDA en el REAL MADRID | ¿LEWANDOWSKI RUMBO A ARABIA?

EL REAL MADRID QUIERE a RODRI | EL TIEMPO de BAJA de LEWANDOWSKI | OFICIAL: VENTA en el REAL MADRID

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#realmadrid #gonzalogarcia #terstegen Comentamos el partido del Real Madrid vs Leganés amistoso y hablamos de la sanción UEFA del control antidoping a Lamine Yamal y Lewandowski.

Marzysz o tym, by Twoje treningi weszły na wyższy poziom? W tym odcinku podcastu "Bank Wiedzy o Bieganiu" Tomasz Lewandowski zabiera nas w fascynującą podróż po świecie treningu wysokogórskiego! Od anegdot z Kenii i Etiopii, przez sekrety hipoksji, po praktyczne rady, jak unikać błędów i boostować VO2 max. Dowiesz się, dlaczego góry to nie tylko wyzwanie, ale prawdziwy game-changer dla Twojej wytrzymałości – czy jesteś amatorem, czy pro. Idealne dla fanów biegania, triatlonu i sportów wytrzymałościowych. Słuchaj, inspiruj się i ruszaj w góry (lub do hipoksji)! Subskrybuj, lajkuj i komentuj – co Ty myślisz o treningu na wysokości? Partnerem odcinka jest PKO Bank Polski, najbardziej rozbiegany bank w Polsce.

#Medienlupe #PeterLewandowski #DNEWS24 #KI #AI #Avatar Durch KI generierte Artikel, von Avataren moderierte TV-Formate - braucht es noch journalistisches Handwerk oder reicht OpenAI? Wohin führt der Weg der Künstlichen Intelligenz für die Medien und was hat der Medien-Konsument davon?Einschätzungen und Wertungen zu den Themen der Woche in der DNEWS24TV-Medienlupe mit Peter Lewandowski.

Instruktor Wojsk Obrony Terytorialnej naświetla konflikt za naszą wschodnią granicą w rozmowie z Jaśminą Nowak. 

#medienlupe #peterlewandowski #dnews24 #SönkeNeitzel #bundeswehr #wehrpflicht #nato #zeitenwende Laut einer aktuellen IPSOS-Umfrage befürworten 62 % der Deutschen die Wiedereinführung der Wehrpflicht, 31 % der Befragten lehnt sie kategorisch ab. Sowohl Frauen (56 %) als auch Männer (69 %) sprechen sich mehrheitlich für die Wiedereinführung der Wehrpflicht aus. Während die über 60-Jährigen mit 72 Prozent die Wiedereinführung der Wehrpflicht mehrheitlich unterstützen, liegt der Anteil der Befürworter bei den 40- bis 59-Jährigen mit 63 Prozent etwas niedriger. Unter den 18- bis 39-Jährigen, die wohl am ehesten von einer Wiedereinführung betroffen wären, spricht sich knapp die Hälfte (52 %) für die Wehrpflicht aus, während 40 Prozent sie klar ablehnen.Einschätzungen und Wertungen zu den Themen der Woche in der DNEWS24TV-Medienlupe mit Peter Lewandowski.

Dans le jeu du Directeur Sportif, le WFC se met dans la peau de Deco pour gérer le mercato du Barça.

Marcus Rashford va s'engager avec le FC Barcelone : la recrue qu'il manquait au Barça pour remporter la Ligue des Champions ? L'ancien prodige de Manchester United va rejoindre le club catalan après un prêt de quelques mois à Aston Villa et une mise à l'écart du nouveau coach mancunien : Ruben Amorim. Avec Lamine Yamal, Raphina et Lewandowski, comment va s'articuler le Barça de Hansi Flick ? Débats en plateau sur l'arrivée de Rashford au Barça dans le mag Mercato.

Welcome back to the channel, everyone! The transfer window is absolutely WILD for Manchester United, with massive moves happening that could reshape the club's future!First up, the huge news: Marcus Rashford is heading to Barcelona on loan! Barca are set to pay his full £315,000-a-week wages, saving United a staggering £17 million. We dive deep into Rashford's 426 games, 138 goals, and 77 assists for United.What does Hansi Flick need to do to unlock the real Rashford?Does Marcus still have the hunger?Will he even get a game at Barca against Raphinha, Yamal, and Lewandowski?Can he reinvent himself in Spain in a way he couldn't at United?His comments about wanting to play with Yamal – is that already a sign of feeling inferior?What can Yamal learn from Rashford?Imagine an El Clásico head-to-head between Rashford and Trent Alexander-Arnold!Did Marcus do enough at United to earn this move, or is this his last real chance to reignite his career? We want to see that smile and the Marcus Rashford we all know again!If it goes well, what should the permanent fee be, considering Villa's £40m for someone else?Then, the latest on Jadon Sancho: His switch from Manchester United to Juventus is reportedly close to completion! Juventus are ready to meet United's £21.6m asking price for the England winger, who is set to sign a four-year contract worth £5.2m per year.And what about Alejandro Garnacho? There's no noise, no rumours – is he apologising and coming back into the fold, or is he done at the club?Finally, we wrap up with our thoughts on how the transfer window is going for United overall, and who should be their next key target.Stay tuned for a big Rio Meets episode tomorrow with one of my former teammates from our time at United!#MarcusRashford #Rashford #ManUtd #ManchesterUnited #MUFC #Barcelona #FCBarcelona #LaLiga #JadonSancho #Sancho #Juventus #SerieA #AlejandroGarnacho #Garnacho #TransferNews #FootballTransfers #RioReacts #PremierLeague #HansiFlick #Yamal #ElClasico #FootballDebate #TransferWindow #RioMeetsSubscribe: http://bit.ly/15QO9WERio Ferdinand Presents: rioferdinandpresents.comRio Ferdinand Presents Instagram: https://instagram.com/rioferdinandpresentsRio Ferdinand Presents Twitter/X: https://x.com/FIVEUKRio Ferdinand Presents Facebook: https://www.facebook.com/rioferdinandpresentsRio Ferdinand Presents TikTok: https://www.tiktok.com/@rioferdinandpresentsRio Ferdinand Presents Threads: https://www.threads.net/@rioferdinandpresentsRio Ferdinand Instagram: https://instagram.com/rioferdy5Rio Ferdinand Twitter/X: https://x.com/rioferdy5Rio Ferdinand Facebook: https://www.facebook.com/RioFerdinandOfficialRio Ferdinand TikTok: https://www.tiktok.com/@rioferdy5Rio Ferdinand Threads: https://www.threads.net/@rioferdy5 Hosted on Acast. See acast.com/privacy for more information.

Alexandre Garcia comenta tarifas de Trump sobre produtos brasileiros, briga entre Lula e Trump, impostos gerados pelo Gilmarpalooza e Lewandowski na Câmara para falar da FAB.

In this podcast, Dr. Lewandowski and I will share the game-changer: the "3 P's" - Potential, Process, and Progress. These concepts can make dating clearer and brighter for you.And here's a tip: the word "YET." This tiny word can change how you view everything, emphasizing growth and change.So, don't give up on love just yet. Join us as we delve into this easy but powerful approach. Remember, you're still learning and growing, and that's truly wonderful!Originally Aired: Sep. 13, 2023NEXT STEP: Book a complimentary Love Strategy Session and let us help you attract love this year: https://go.lovestrategies.com/session

This week on Newsmakers: United Way of Rhode Island President and CEO Cortney Nicolato discusses how the organization is dealing with federal funding cuts, a new state law on nonprofit executive pay, and how a salt mine in Georgia helps cover United Way's overhead; then, 12 News anchor Mike Montecalvo talks one-on-one with Roman Catholic Bishop of Providence Bruce Lewandowski about his new appointment.

Dr. Lewandowski and Adam uncover the importance of authenticity and how being provocative can lead you to the right match. Learn why your quirks are actually your advantage in the dating world and how embracing your uniqueness is your ultimate superpower. Get ready to change your dating game and waste less time as you find the love you deserve.Originally Aired: Aug. 13, 2023NEXT STEP: Book a complimentary Love Strategy Session and let us help you attract love this year: https://go.lovestrategies.com/session

Czy Izrael jest w stanie samodzielnie pokonać Iran? Dlaczego izraelska ofensywa powietrzna jest tak skuteczna? Jak wygląda system dowodzenia w Iranie po eliminacji niemal wszystkich najważniejszych generałów? Czy Amerykanie włączą się do konfliktu?O tej nowej fazie wojny na Bliskim Wschodzie rozmawiam z płk. Piotrem Lewandowskim.(00:00) Wstęp(2:22) Skuteczność Izraela (8:37) Potencjał Izraela i Iranu. Jak wyglądało przygotowanie Izraela do akcji?(16:04) Czy Izrael poinformował sojuszników o operacji? Na ile jest to atak podobny do ukraińskiego?(21:40) Irańscy dowódcy wojskowi stają się natychmiast celami(29:23) To wojna wyłącznie w powietrzu(33:23) Sposób działania armii irańskiej w porównaniu z armiami arabskimi(39:00) Zmasowany atak rakietowy Iranu. Skuteczność izraelskiej obrony(46:14) Jakie są szanse Iranu na nie przegranie tej wojny?(53:46) Czy Amerykanie dołączą do wojny? Jakie są opcje Iranu?(1:00:14) Czy Iran się podda? Czy Izrael może zniszczyć bazę produkcyjną broni atomowej?(1:05:05) Izrael jest bardziej potrzebny USA niż Ameryka Izraelowi?Mecenasi programu: Inwestuj w fundusze ETF z OANDA TMS Brokers: ⁠⁠⁠⁠https://go.tms.pl/UkladOtwartyETF ⁠⁠⁠⁠AMSO-oszczędzaj na poleasingowym sprzęcie IT: ⁠⁠⁠⁠https://amso.pl/Uklad-otwarty-cinfo-pol-218.html⁠⁠⁠⁠⁠Novoferm: ⁠⁠⁠⁠https://www.novoferm.pl/⁠ ⁠⁠⁠⁠Zgłoś się do Szkoły Przywództwa Instytutu Wolności:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://szkolaprzywodztwa.pl⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Link do zbiorki: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://zrzutka.pl/en6u9a⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://patronite.pl/igorjanke⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠➡️ Zachęcam do dołączenia do grona patronów Układu Otwartego. Jako patron, otrzymasz dostęp do grupy dyskusyjnej na Discordzie i specjalnych materiałów dla Patronów, a także newslettera z najciekawszymi artykułami z całego tygodnia. Układ Otwarty tworzy społeczność, w której możesz dzielić się swoimi myślami i pomysłami z osobami o podobnych zainteresowaniach. Państwa wsparcie pomoże kanałowi się rozwijać i tworzyć jeszcze lepsze treści. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Układ Otwarty nagrywamy w ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bliskostudio.pl ⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Exploring the Complexities of Pharma Rebates with Ann Lewandowski In this Summer Short episode of Relentless Health Value, host Stacey Richter converses again with Ann Lewandowski about the intricate dynamics of pharmaceutical rebates, or as Lewandowski prefers, post-sale concessions.  The discussion delves into the nuances of these rebates, the impact they have on drug costs, and the hidden consequences for patients and plan sponsors.  They highlight articles and insights by Austin Chelko and Peter Hayes, touching on how rebates can disadvantage the pursuit of lower-cost generics and biosimilars, and can obstruct pharmacogenetic testing that ensures drug efficacy and safety.  The conversation also critiques the opacity of rebates, deemed trade secrets by pharma and PBM companies, and underscores the ethical and financial dilemmas posed by the current rebate-driven system. === LINKS ===

Kyle Walker and Michael Brown share behind-the-scenes holiday stories — from 11-a-side matches with elite players to Robert Lewandowski's insane physique. They also relive the time Browny got blanked by Diego Maradona, Kyle's experience captaining England, and whether he should call Noel Gallagher for Oasis tickets. Plus: how Kyle managed to miss most of Central Cee's Milan gig, Jack Grealish's speaker obsession and why Adel Taarabt was the nutmeg king at QPR. Check out Kyle and Browny's Q&A episodes, exclusively on BBC Sounds. In the latest one, Kyle picks the four defenders he'd have on Mount Rushmore, names who would be his ideal guest on the pod and answers questions from Countdown host Colin Murray and CBBC favourite Hacker the Dog. Listen here: https://www.bbc.co.uk/sounds/play/p0lbpbvf If you want to ask Kyle and Browny a question about themselves, about something to do with football or something completely random, email kylewalker@bbc.co.uk.

Poland National Team Head Coach Michał Probierz has resigned choosing to step down after a very public falling out with Robert Lewandowski. Probierz resigned after Lewandowski announced that he would not play for Poland again with Probierz in charge after the Poland coach decided to replace him as team captain. Morning Footy is available for free on the Audacy app as well as Apple Podcasts, Spotify and wherever else you listen to podcasts.  Visit the ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠betting arena on CBSSports.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for all the latest in ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠sportsbook reviews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠sportsbook promos⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠betting on soccer⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ For more soccer coverage from CBS Sports, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.cbssports.com/soccer/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ To hear more from the CBS Sports Podcast Network, visit ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.cbssports.com/podcasts/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Watch UEFA Champions League, UEFA Europa League, UEFA Europa Conference League, Serie A, Coppa Italia, EFL, NWSL, Scottish Premiership, Argentine Primera División by subscribing Paramount Plus: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.paramountplus.com/home/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Visit the betting arena on CBS Sports.com: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.cbssports.com/betting/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ For all the latest in sportsbook reviews: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.cbssports.com/betting/sportsbooks/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ And sportsbook promos: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.cbssports.com/betting/promos/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ For betting on soccer: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.cbssports.com/betting/soccer/ To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Última hora desde EEUU con el Mundialito; El Real Madrid presenta a Alexander-Arnold; Los problemas de Morata y Lewandowski; Mercado de fichajes; Noticias polideportivas.

It is a privilege to boldly present the gospel of Jesus Christ! Our boldness comes from knowing who the Lord is—knowing He's the sovereign God who created heaven and earth. We often let fear, doubt, and misunderstanding get in the way of the greatness God has called us to do. Let's pray for the Almighty to be with us so that we can go out with greater boldness every day.

(00:00) Nowy mikrofon Rocka (Shure MV7+)(01:26) Problemy z dźwiękiem, sprostowanie i Switch 2(05:30) Lewandowski czy Probierz?(08:00) Xbox Games Showcase(12:10) The Outer Worlds 2(18:36) Resonance: A Plague Tale Legacy(22:13) ROG Xbox Ally(29:10) The Blood of Dawnwalker(37:25) Super Meat Boy 3D(39:16) Clockwork Revolution(44:14) Cronos: The New Dawn(47:18) Tony Hawk's™ Pro Skater™ 3 + 4(48:53) Planet of Lana II: Children of the Leaf(50:53) Call of Duty: Black Ops 7The Outer Worlds 2 - Official Gameplay Trailerhttps://youtu.be/EQ_PNu2c87A?si=ZRCqVXA-R4VdUFkmResonance: A Plague Tale Legacy - Reveal Trailerhttps://youtu.be/lroYak-ryyM?si=F1NWwm7_5oDsyl9pROG Xbox Ally World Premiere Reveal Trailer | Xbox Games Showcasehttps://youtu.be/FIVmyOIV1MQ?si=nHcFXC7YFPZy9I1BThe Blood of Dawnwalker — Zwiastun gry | Uwięziony między dwoma światamihttps://youtu.be/9_Hlpg2r4zI?si=kCalvHEHVtmBTBC1Super Meat Boy 3D Announcement Trailer | Xbox Games Showcase 2025https://youtu.be/MtXRCarKd9A?si=zob9mnOR1PyxV_ukClockwork Revolution | Xbox Games Showcase 2025https://youtu.be/l421zRNnivo?si=bpPdh0JZ5M20i7EYCronos: The New Dawn - Survive the Nest | Xbox Games Showcase 2025https://youtu.be/Pl0wmn0Ua4I?si=GAEb5DfiEzL9x4ocTony Hawk's™ Pro Skater™ 3 + 4 - Launch Gameplay Trailer | Xbox Games Showcase 2025https://youtu.be/mEaawDLOCt4?si=GN8H67ax-2694CJcPlanet of Lana II: Children of the Leaf Announcement Trailer | Xbox Games Showcase 2025https://youtu.be/pBSApS3A37U?si=Y5SFueHuqWKsvXHlCall of Duty: Black Ops 7 | Official Teaserhttps://youtu.be/uUo5gnaYB_w?si=TTg9iVhiR_eot9CAGrupa Rock i Borys na FB - https://www.facebook.com/groups/805231679816756/Podcast Remigiusz "Pojęcia Nie Mam" Maciaszekhttps://tinyurl.com/yfx4s5zzShorty Rock i Boryshttps://www.facebook.com/rockiboryshttps://www.tiktok.com/@borysniespielakSerwer Discord podcastu Rock i Borys!https://discord.com/invite/AMUHt4JEvdSłuchaj nas na Lectonie: https://lectonapp.com/p/rckbrsSłuchaj nas na Spotify: https://spoti.fi/2WxzUqjSłuchaj nas na iTunes: https://apple.co/2Jz7MPSProgram LIVE w niedzielę od osiemnastej - https://jarock.pl/live/rockRock i Borys to program o grach, technologii i życiu

Ole Werner ist kurz davor neuer RB-Trainer zu werden. Der BVB hat ein Last-minute-Angebot von Chelsea für Gittens abgelehnt und in Polen gibt es Ärger zwischen Lewandowski und dem Nationaltrainer.

It's a DEBRIEF SUNDAY (ad-free) and the vibes are immaculate, bar some plant-shaming issues. Once the horticultural trauma subsides, Pete and Johnny dive into a juicy slate of Arsenal summer narratives. First up: David Ornstein drops a bomb—Kepa is set to become Arsenal's backup keeper. The boys dig into what that means for Raya, how it affects the young keepers at the club, and whether the Chelsea-rehab project is a low-risk stroke of genius or a recipe for chaos. Then it's Sesko time. Is the Slovenian striker the new Lewandowski? Has Johnny had a change of heart? Is the scouting department about to take a W? The duo unpacks all the data, all the vibes, and all the potential. Finally, the big midfield conundrum: Thomas Partey is flirting with Barcelona, and the boys discuss the implications of his departure—could Douglas Luiz be the answer? It's a big pod with big chat, tactical insights, and even bigger energy. Get stuck in.

Mark and Payton revel in one of their most fun episodes of the year, as they reveal the winner of their (just for fun, of course) over/under lines that they make up and set for each other at the start of every La Liga season. Who was better at predicting the fates of Real Madrid, Barcelona, Lewandowski, Pedri, Vini, Mbappe, and many more? Find out on their latest podcast! Plus, Mark discusses yet another clutch of exciting new signings for Real Madrid and why the club are suddenly opening their pocketbook for Xabi Alonso. 

Charlamos con Lamine Yamal desde la convocatoria de la Selección en Las Rozas. Con él hablamos de su candidatura para el Balón de Oro, de su relación con Lewandowski y del dorsal que portará la temporada que viene. Además, debatimos sobre el Balón de Oro con el Sanedrín de futbolistas, charlamos con Eder Sarabia desde la celebración del ascenso del Elche y terminamos repasando las renovaciones del Atlético de Madrid. 

Charlamos con Lamine Yamal desde la convocatoria de la Selección en Las Rozas. Con él hablamos de su candidatura para el Balón de Oro, de su relación con Lewandowski y del dorsal que portará la temporada que viene. Además, debatimos sobre el Balón de Oro con el Sanedrín de futbolistas, charlamos con Eder Sarabia desde la celebración del ascenso del Elche y terminamos repasando las renovaciones del Atlético de Madrid. 

(00:00) Wstęp(2:33) Rosjanie nacierają - jakie są tego skutki?(11:43) O ile posunęli się Rosjanie? Jakie to ma znaczenie strategiczne?(17:47) W jaki sposób Rosjanie przygotowują ataki? (27:08) Na ile skuteczna jest ukraińska obrona? Jak zwalczane są drony?(39:18) Czy Ukraina potrzebuje Abramsów?(44:45) Ukraina może atakować cele w głębi Rosji - czy to będzie miało realny wpływ na rosyjskie zdolności?Zgłoś się do Szkoły Przywództwa Instytutu Wolności:⁠⁠⁠⁠⁠⁠⁠⁠⁠https://szkolaprzywodztwa.pl⁠⁠⁠⁠⁠⁠⁠⁠⁠Link do zbiorki: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://zrzutka.pl/en6u9a⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Mecenasi programu: Inwestuj w fundusze ETF z OANDA TMS Brokers: https://go.tms.pl/UkladOtwartyETF Casa Playa: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://casaplaya.pl/zakup-nieruchomosci-w-hiszpanii-pdf-instruktaz/ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠AMSO-oszczędzaj na poleasingowym sprzęcie IT: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://amso.pl/Uklad-otwarty-cinfo-pol-218.html⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Módl się z Hallow: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://hallow.app.link/ukladotwarty⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://patronite.pl/igorjanke⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠➡️ Zachęcam do dołączenia do grona patronów Układu Otwartego. Jako patron, otrzymasz dostęp do grupy dyskusyjnej na Discordzie i specjalnych materiałów dla Patronów, a także newslettera z najciekawszymi artykułami z całego tygodnia. Układ Otwarty tworzy społeczność, w której możesz dzielić się swoimi myślami i pomysłami z osobami o podobnych zainteresowaniach. Państwa wsparcie pomoże kanałowi się rozwijać i tworzyć jeszcze lepsze treści. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Układ Otwarty nagrywamy w ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://bliskostudio.pl ⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Welcome back, fanaticos!! In this end of the season finale, the boys are here to bring you the final match reviews of the year, as well as some hot trade news. We kick things off with the latest signings and departures, and then dive into Barcelona's final match against Athletic Bilbao (12:37) and Real Madrid's send-off for Luka Modric and Carlo Ancelotti in their game against Real Sociedad (20:15). 

Send us a textSam, Rik and Toni discuss a little about Barca's 3-0 win at Athletic with a brace from Lewandowski, have some season review chat, and then later on Sam and Rik talk Lisbon and Barca's UWCL final defeat by Arsenal.Apologies for the murkier-than-usual audio in the first half, we had to use the Zoom recording because for some reason Toni's audio did not work properly. Back to the usual level for the second part!Support the showFor bonus content, including additional podcasts, Q&As, special collections and Discord access to join the discussion with other Barça fans, join our Patreon: patreon.com/siemprepod

Dan asks 3 big questions after Barcelona's 3-0 win over Athletic Club. He talks about Lewandowski's future, the sustainability of the offside trap, one club men, and much more!Watchalongs - HEREJoin the Discord server!Listen on Apple Podcasts iOS App, Spotify and, if you want to support the show, head over to Patreon for more content!Become a Patreon to support the show and check out our Match Reviews – Thank you!Access our exclusive, listeners-only Facebook Group here.Follow us on Instagram!Find us and watch exclusive content on YouTube!Click here to subscribe via Apple PodcastsClick here to subscribe via Spotify

In this episode, host Stacey Richter speaks with Ann Lewandowski about whistleblowing in the healthcare industry, focusing on a significant case involving a whistleblower at an employee benefit consultant (EBC) firm. This EBC allegedly pocketed their clients' pharma rebates, violating the Consolidated Appropriations Act of 2021.  The discussion highlights the nuances of being a whistleblower, the ethical dilemmas faced, compliance challenges, and the significant financial implications for companies and individuals involved in illegal activities.  Ann Lewandowski provides insights into documenting and protecting oneself legally and discusses the broader context of trust and transparency in the healthcare sector. Click through to the show notes below to access all of the mentioned links and prior episodes mentioned. === LINKS ===

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?

Hello Rank Squad! After one of the most intriguing, exhausting, exhilarating semi-finals that the competition has ever seen, Inter will be in the final after finally dispatching Barcelona with a knockout blow, just moments after they had dragged themselves off the canvas themselves. 4-3 on the night, 7-6 on aggregate, this was one of the best games of football we have seen in many a long year, two sides who just traded punches for 210 minutes until a victory bell was finally rung, in favour of the home side. We discuss the momentum swings of a game that saw Inter take a 2-0 lead, before going down 3-2 with just moments to go, the late equaliser from the most unlikely of sources - Francesco Acerbi - before more drama in added time saw Davide Frattesi once more come up with the goods to send Simone Inzaghi's weathered old warriors to Munich - where they will face one of PSG or Arsenal. There's also some talk about what the future outlook is for a Barcelona side who have come a long way this year, and who perhaps just lacked a tad of experience when it mattered most, as well as why Inter feel like this could be there year to claim a long-awaited European crown - it's been 15 years since that famous night in Madrid. All that, and loads more, including Dean's experience watching Beckham & Friends on Paramount, on the show.It's Ranks!  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?

Ahora o Nunca está ya de lleno con el Clásico entre Barcelona y Real Madrid, que podría definir o hacer más que cardiaco el final de la Temporada 2024-25 de LaLiga y en este episodio, la mesa destaca la importancia que tiene para el club azulgrana la presencia de Robert Lewandowski, quien parece haberse recuperado de la lesión que lo mantuvo fuera por varios días y de quien, en los duelos que tiene el equipo culé ante el Inter en la vuelta de la Semifinal de la Champions y en el duelo ante el club Merengue. Por otro lado, luego de que protagonizó la considerada peor pelea en los últimos 40 años, la mesa señala a Saúl "Canelo" Álvarez como el principal responsable del pobre espectáculo que ofreció en el ring junto con el cubano William Scull, rival al que el staff del boxeador mexicano seleccionó como su rival y la mesa advierte que el púgil tapatío tendrá en Terence Crawford a un rival que si algo asegura es no correr en el cuadrilátero. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2571: Luvze challenges the stereotype of Millennials as the "hook-up generation," revealing research that paints a more nuanced picture of their dating behaviors and values. The findings offer valuable insights into how cultural narratives often misrepresent generational realities and why meaningful connections still matter to many young adults. Read along with the original article(s) here: https://www.luvze.com/are-millennials-really-the-hook-up-generation/ Quotes to ponder: "The rise of social media and dating apps may make hook-ups more accessible, but it doesn't necessarily mean Millennials prefer them." "Many Millennials still seek long-term, meaningful relationships, even in a culture that often glorifies casual encounters." References: National Survey of Family Growth: https://www.cdc.gov/nchs/nsfg/index.htm Twenge, J. M. (iGen): https://www.simonandschuster.com/books/iGen/Jean-M-Twenge/9781501152016 Learn more about your ad choices. Visit megaphone.fm/adchoices

Hello Rank Squad!It's time for this week's first Champions League Takeaway - looking back at Tuesday's Quarter Final second legs, where both PSG and Barcelona emerged with qualification intact, but with their reputations bruised and having been handed on-the-night losses by Aston Villa and Borussia Dortmund, who were both excellent. In the absence of Dean, who is flying back to San Diego, Jack is joined by football podcast royalty in Mike Zimmermann - to talk through both of the games and discuss the ramifications in more detail. We start with Aston Villa's impressive 3-2 win over PSG, where the Parisien favourites were given an almighty scare in the second half by Unai Emery's charges, who managed to break free of PSG's impressive counter-attacking hold after the break, going hell for leather and finding themselves some Gigi Donnarumma magic away from taking Luis Enrique's men to extra time. Then in Part Two, we head to the Westfalenstadion, where Dortmund had very little to lose, but managed to expose the Barcelona high line enough to give the Yellow Wall plenty to shout about. Serhou Guirassy's hat-trick had Barça very worried for a time, and although the Catalans progressed, they were subjected to defeat in a single game for the first time in 2025.  It's Ranks! 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?