Podcasts about Liability

Joel Salatin & Dr. Sina discuss the recent glyphosate liability shield and why this legislation is more complex than the alternative media may have led on. (From Episode 255)✨ Subscribe for the Full Episode: https://beyondlabels.supportingcast.fmFind Joel Here: www.polyfacefarms.comFind Sina Here: www.drsinamccullough.comFollow on InstagramFollow on XSubscribe on RumbleSubscribe on YouTubeDISCLAIMER

It shouldn't be that hard to be a nepo-husband. Right? Nepo- husbands, the spouses of celebrity women come in many shapes and forms, but what unites them all is their proximity to the wealth, power and prestige of their famous partners. And while that proximity can be great for building a business, it can also lead to scrutiny... especially when things go wrong. Matt Kaplan, who's married to Alex Cooper, the host of the popular Call Her Daddy podcast, recently faced a Vanity Fair expose which alleged a toxic work environment of their media company, Unwell. So, what does it take to be a nepo-husband? Brittany chats with Claire Parker and Ashley Hamilton, hosts of the Good Noticings podcast, to discuss the benefits, and expectations of nepo-husbands. Support Public Media. Join NPR Plus.Follow Brittany on Instagram: @bmluseFor handpicked podcast recommendations every week, subscribe to NPR's Pod Club newsletter at npr.org/podclub. See pcm.adswizz.com for information about our collection and use of personal data for sponsorship and to manage your podcast sponsorship preferences.NPR Privacy Policy

Like the show? Show your support by using our sponsors.Need to update your shop systems and software? Try Tekmetric HERELaunch your tool game to the next level with Launch Tech USA! HERERecorded at Tools in Hershey, Pennsylvania, Jeff sits down with Josh Coomes of Auto Shop Therapy and technician Brian Ramsburg to discuss the realities of running a modern repair shop. Brian reflects on more than 18 years in the trade, the challenges of being a solo technician, and why he enjoys variety in his work, while Josh shares his customer-first approach, leadership lessons, and the importance of protecting a shop's reputation. Together, they explore diagnostics, pay plans, hiring, training, and building a culture that values quality over speed.Timestamps:00:00 Listen or Become a Liability 00:35 Tools in Hershey Introduction 02:37 Brian's Career Journey 04:18 Owning a Job vs. Owning a Shop 07:42 Customer Empathy and Service Standards 09:21 Turning Away Older Vehicles 14:48 Favorite Types of Repairs 18:02 Why They Avoid European Vehicles 19:40 Shop Scheduling and Profitability 21:56 Technician vs. Owner Priorities 25:38 Working Relationship Challenges 28:28 Hiring and Leadership Lessons 36:20 Mentoring and a Proof-Based Culture 40:41 Pay Plans and Team Morale 42:03 The Starter Diagnosis Debate 45:41 The Stress of Being the Only Technician 48:50 Quality Control vs. Book Time 52:40 Shop Standards and Fair Productivity 55:27 Workflow and Imperfect Data 58:51 Flat Rate Pressure Stories 01:05:10 Hiring Through Working Interviews 01:10:23 Charging Properly to Grow 01:12:44 Final Advice and Closing Follow/Subscribe to the show on social media! TikTok - https://www.tiktok.com/@jeffcompton7YouTube - https://www.youtube.com/@TheJadedMechanicFacebook - https://www.facebook.com/profile.php?id=100091347564232

Brad Barrett's daughter just graduated high school. She's heading to college in a few months. The number of times he'll see her for the rest of his life? Already countable. This realization—visceral and unavoidable—brought him back to a conversation that changed both his and Chris Hutchins' lives nearly four years ago: their interview with Bill Perkins about Die with Zero. Key Topics Introduction and Episode Impact 00:00:00 Brad and Chris reflect on the massive impact Bill Perkins' Die with Zero episode had on their lives and why they wanted to revisit it. Seasons of Life and Time Bucketing 00:05:30 Brad discusses how the concepts of seasons of life and time bucketing fundamentally changed his perspective, especially as his daughter prepares for college, highlighting the fleeting nature of time with loved ones. The Optimization Trap 00:12:00 Chris shares his struggle with over-optimization, particularly around travel planning and points maximization, and how he's been re-evaluating what he's actually optimizing for in life. Frugality as Superpower and Liability 00:18:45 The hosts debate whether frugality is still a superpower, discussing how the skill of spending shifts throughout different stages of financial independence. Running the Numbers on Withdrawal Rates 00:28:00 Chris shares research on annuity rates and the 4% rule, revealing that 96% of the time people never touch their principal and discussing more rational ways to hedge against financial risk. What Are You Optimizing For? 00:38:15 Both hosts dig into the fundamental question of what they're optimizing for—discussing the Tuesday Project, baseline fulfillment, and creating great average days versus one-off experiences. Time, Work, and Life Balance 00:47:00 Chris processes his struggle with filling all available time with work-adjacent activities and discusses the challenge of setting boundaries when you love what you do. Action Items and Future Plans 00:58:30 The hosts commit to specific actions inspired by the episode, including Chris's summer camp idea for families and Brad's commitment to create time bucket lists. Notable Quotes "You should fear wasting your life more than you fear running out of money." — Brad Barrett (quoting Bill Perkins) "Time is everything. My daughter just graduated high school. She's going to William & Mary in a couple months and again, you talk about seasons of life. Combining this with Tim Urban's The Tail End article, you realize time is running out." — Brad Barrett "I think frugality is a superpower at times and then it becomes a liability at times." — Brad Barrett "What I know for certain is every day I'm running out of time. So that's like a metaphysical certainty. You are running out of time." — Brad Barrett "I've gotten good at spending more when things aren't crazy expensive. Where I still struggle tremendously is when I feel like I'm paying for something that there's a reasonable way to get it for a better deal." — Chris Hutchins Key Takeaways Create a time bucket list: Identify experiences you want to have and assign them to specific age ranges when they would be most meaningful and feasible Calculate your real financial safety margin: Determine if you're using a 2%, 3%, or 4% withdrawal rate and whether that level of conservatism is preventing you from enjoying life now Identify your seasons of life priorities: What matters most in your current season? Kids, health, travel, career? Allocate time and resources accordingly Audit your optimization habits: Are you optimizing for the right things? Is maximizing credit card points costing you more in time and stress than it's worth? Plan one 'season-appropriate' experience: Book something that leverages your current life stage, whether that's a trip with young kids or an adventure that requires physical fitness Consider giving to your children now: If you plan to leave an inheritance, evaluate whether giving some portion during their 20s-30s would have more impact than waiting until…

Buying an airplane can create opportunities and legal exposure that pilots may not see until something goes wrong. Tait Duryea and Ryan Gibson sit down with aviation attorney and pilot Scott Williams to cover LLC structures, dry leases, co-ownership, and the limits of depreciation for passive real estate activity. Scott also explains key insurance terms, including smooth coverage, open pilot warranties, and waivers of subrogation. A practical conversation for pilots who want to protect their aircraft, finances, and future.Scott Williams is the founding principal attorney of the General Aviation Law Firm and a pilot with 38 years of flying experience and roughly 4,000 flight hours. He helps Part 91 aircraft owners buy, sell, structure, and operate aircraft while avoiding unintended legal and regulatory risks. Scott is also a Cirrus SR22 owner and former president of the Cirrus Owners and Pilots Association.Show notes:(0:00) Intro(5:19) Why aircraft belong in LLCs(7:01) Structuring aircraft co-ownership(12:30) Passive real estate tax limits(18:21) Dry leases and operational control(24:08) Named insureds Vs. Named pilots(29:54) LLC setup and aircraft domicile(33:47) Using a trust for ownership(36:34) Insurance as first-line protection(40:52) Smooth Vs. Sublimit coverage(43:39) Passenger waivers and liability(49:34) OutroConnect with Scott Williams:Website: https://www.generalaviationlaw.org/ If you're interested in participating, the latest institutional-quality self-storage portfolio is available for investment now at: https://turbinecap.investnext.com/portal/offerings/8449/houston-storage/ — You've found the number one resource for financial education for aviators! Please consider leaving a rating and sharing this podcast with your colleagues in the aviation community, as it can serve as a valuable resource for all those involved in the industry.Remember to subscribe for more insights at PassiveIncomePilots.com! https://passiveincomepilots.com/ Join our growing community on Facebook: https://www.facebook.com/groups/passivepilotsCheck us out on Instagram @PassiveIncomePilots: https://www.instagram.com/passiveincomepilots/Follow us on X @IncomePilots: https://twitter.com/IncomePilotsGet our updates on LinkedIn: https://www.linkedin.com/company/passive-income-pilots/Do you have questions or want to discuss this episode? Contact us at ask@passiveincomepilots.com See you at the next one!*Legal Disclaimer*The content of this podcast is provided solely for educational and informational purposes. The views and opinions expressed are those of the hosts, Tait Duryea and Ryan Gibson, and do not reflect those of any organization they are associated with, including Turbine Capital or Spartan Investment Group. The opinions of our guests are their own and should not be construed as financial advice. This podcast does not offer tax, legal, or investment advice. Listeners are advised to consult with their own legal or financial counsel and to conduct their own due diligence before making any financial decisions.

A campus sticker dispute, a GST mistake that snowballs for years, and a pre-COVID work-from-home fight all end up in the BC Court of Appeal, and the common thread is proof. We walk through a defamation claim tied to “I Heart Hamas” stickers attributed to a UBC social justice group and explain the first hurdle many people miss: whether the plaintiff is even a legal entity that can sue. When the “group” is an unincorporated association, the case shifts to an individual trying to show the publication points to him personally, and we break down how courts analyze identification in Canadian defamation law. Next, we dig into a small business GST problem caused by bad bookkeeping advice. We clarify the GST small supplier threshold, why you can still owe uncollected GST, and when voluntary registration can help through input tax credits. The case also highlights practical warning signs: invoices that exaggerate qualifications, vague LinkedIn claims, and the “pay me cash with no invoice” request that should make any business owner stop and reassess. Finally, we look at a human rights and employment accommodation claim involving a TELUS worker who wanted to work from home based on vague symptoms and a thin doctor's note. The court's message is blunt and useful: an employer's duty to accommodate is judged on the medical information available at the time, not on a diagnosis that appears later. If you found this helpful, subscribe, share the episode, and leave a review so more listeners can find these real-world legal takeaways.Follow this link for a transcript of the show and links to the cases discussed.

TODAY ON THE ROBERT SCOTT BELL SHOW: RFK Jr. Ends EUA - Not Liability Protection, Prof. Dr. Dana Flavin, Foundation for Collaborative Medicine and Research, Hydrocotyle Asiatica, Tragic Twins Death, Supreme Court Monsanto Ruling, Cancer Surge, Taco Bell Explosive Diarrhea, Parasite Outbreak, and MORE! https://robertscottbell.com/rfk-jr-ends-eua-prof-dr-dana-flavin-hydrocotyle-asiatica-andrea-shaw-twins-death-supreme-court-monsanto-ruling-cancer-surge-taco-bell-outbreak-explosive-diarrhea-parasite-and-more/ Purpose and Character The use of copyrighted material on the website is for non-commercial, educational purposes, and is intended to provide benefit to the public through information, critique, teaching, scholarship, or research. Nature of Copyrighted Material Weensure that the copyrighted material used is for supplementary and illustrative purposes and that it contributes significantly to the user's understanding of the content in a non-detrimental way to the commercial value of the original content. Amount and Substantiality Our website uses only the necessary amount of copyrighted material to achieve the intended purpose and does not substitute for the original market of the copyrighted works. Effect on Market Value The use of copyrighted material on our website does not in any way diminish or affect the market value of the original work. We believe that our use constitutes a 'fair use' of any such copyrighted material as provided for in section 107 of the U.S. Copyright Law. If you believe that any content on the website violates your copyright, please contact us providing the necessary information, and we will take appropriate action to address your concern.

Pride does not protect your business. It can quietly bankrupt it. In this episode of The Level Up Podcast, Paul Alex breaks down why asking for help is not weakness, but one of the strongest tactical advantages a founder can use. Let's be real… If your business is bleeding cash… Your sales process is broken… Your team is struggling… And you still refuse to ask for guidance because you want to look like you have it all figured out… Your ego is costing you money. In this episode, you'll learn: Why isolation destroys perspective How pride keeps founders stuck in avoidable problems Why asking for help can collapse your learning curve How humility, coachability, and fast implementation create serious leverage The truth is simple: The CEO does not need to have every answer. The CEO needs to find the answer fast. Sometimes that means asking a mentor. Sometimes that means getting corrected. Sometimes that means admitting you do not know what you are doing yet. And that is not failure. That is leadership. High-level operators do not protect their pride at the expense of the company. They seek perspective. They ask better questions. They learn from people five steps ahead. They implement immediately. Because the fastest way to avoid expensive mistakes… Is to learn from someone who already paid the price. Drop the ego. Ask the hard questions. Absorb the strategy. And keep leveling up. Your Network is your NETWORTH! Make sure to add me on all SOCIAL MEDIA PLATFORMS: Instagram: https://jo.my/paulalex2024Facebook: https://jo.my/fbpaulalex2024YouTube: https://www.youtube.com/channel/UCGhDAD1JyGGzSQUPD9lc9HQLinkedIn: https://jo.my/inpaulalex2024 Looking for a secondary source of income or want to become an entrepreneur? Check out one of my companies below to see if we can help you: www.CashSwipe.com FREE Copy of my book “Blue to Digital Gold - The New American Dream”www.officialPaulAlex.com Learn more about your ad choices. Visit megaphone.fm/adchoices

The episode highlights a structural weakness in the current cybersecurity product ecosystem, where the process of certification and lab-based product validation often fails to ensure meaningful security. The episode focuses specifically on how regulatory and certification frameworks—such as those linked to device and software security—are largely decoupled from true technical evaluation, enabling both vendors and labs to use certification badges as symbolic rather than substantive assurances of security. According to Adwait Nadkarni, this decoupling allows manufacturers to treat compliance as a liability shield, rather than as a measure of robust risk mitigation. The most consequential finding, as articulated by Adwait Nadkarni, is that many certified security products can deliberately evade both automated and human review processes, with vulnerabilities designed to look secure while quietly exposing risk. The episode references certification structures such as SOC 2 and detailed research into IoT device certification, finding that certification labs often compete on speed and convenience instead of technical rigor. This creates a situation where certified products may still contain basic, decades-old flaws, with operators and MSPs left without practical recourse when technology fails. Other related developments reinforce the risk transfer created by certification mechanisms. Vendors frequently utilize broad liability disclaimers in end-user licensing agreements, explicitly or implicitly excluding themselves from responsibility for product failures—even in scenarios involving harm or downtime. Adwait Nadkarni points to practices where smoke detectors and other security products use ambiguous language about acceptable use and warranty, further reducing vendor accountability. Labs themselves generally disclaim any responsibility for the certified products' behavior once deployed, emphasizing a system with diffuse or absent accountability. For MSPs and IT leaders, these developments underscore the need to move beyond reliance on certifications and vendor marketing. Operators should critically assess the actual language and protections embedded in contracts, focusing on enforceable liability rather than assuming technical validation from a certification badge. Absent regulatory reform or industry-wide consortia to create and uphold real minimum standards, the practical task for service providers is to minimize exposure to legal and operational risk by scrutinizing the fine print of contracts, seeking clear remedies for technology failures, and tempering trust in vendor assurances that cannot be independently verified. Supported by: GuardzCometBackup

That Solo Life Episode 347: Why Senior PR Pros Should Focus on Development Not Decline Episode Summary Are you in the later stages of your Solo PR career?  Today's episode of That Solo Life is one of the most grounded, research-backed, and genuinely useful conversations the show has had about what it means to be a late-career practitioner in an AI-dominated landscape — and why the narrative telling experienced pros they're behind the curve is not only wrong, it's the exact opposite of what the evidence shows. Karen and Michelle walk through the real data on AI adoption, two peer-reviewed studies that directly challenge the 'experience is a liability' myth, a practical three-bucket framework for deciding what to ignore, what to adopt, and what to anchor, four mindset shifts for the final stretch, and three action items that can be done this week. The tone throughout is not inspirational poster energy. It's honest, warm, and built for practitioners who are genuinely tired and need a practical path forward, not another list of tools to chase.   Episode Highlights [00:25] The Opening Sentence That Names What Everyone Is Feeling: Michelle opens with what she calls 'a statement a lot of our listeners have either said out loud or are saying to themselves': she's five years from wrapping up her career, and she just doesn't have it in her to learn one more new tool. Karen doesn't argue. She validates it — and then reframes it. The feeling isn't laziness or fear. It's the cumulative weight of four or five complete technology revolutions inside a single career. [01:59] The Real Weight of Experience: Four Technology Revolutions in One Career: Karen lists what experienced PR pros have already navigated in a single career: typewriters to desktop publishing, fax machines to email, print media to social, and now AI. The question she frames for the rest of the episode: the real question isn't 'can I learn this?' — you've already proven you can, repeatedly. The question is how much of this do you actually need to learn, and how do you protect your energy for what matters most. [03:16] The Data on the AI Usage Gap — and What It Actually Means: Karen cites National Bureau of Economic Research data: AI tool usage at work is about 34% for workers under 40, and about 17% for workers 50 and up. That gap is real. But the research also shows it's not about ability — it's about confidence and on-ramps. Nobody handed experienced practitioners a clear 'start here' door. The industry is selling urgency, not discernment. And discernment is exactly what experience builds. [04:41] Busting the Myth: Experience Is Not a Liability in an AI World: The myth Karen and Michelle want to kill: that going further along in your career means you're slower, behind, and less valuable in an AI world. The counter-argument is research-backed. As AI makes production work cheaper, what becomes scarce and valuable is judgment — knowing what's worth doing, what's true, and what will land with a reporter versus blow up in a client's face. Karen's line: you cannot prompt your way to 30 years of pattern recognition. [05:51] Two Studies That Prove Experience Is an Advantage, Not a Liability: Karen cites two unexpected findings. A University of Mannheim study of BMW plant workers found productivity actually increased with age, right up to retirement — because veterans knew which problems were expensive and headed them off before they occurred. A North Carolina State study of software developers found that older programmers knew a wider range of topics, answered questions better, and in some cases were more adept with newer systems. The researcher's theory: if you're fluent in old technology, you understand new technology better because you know what problem it's solving. [09:48] The Three-Bucket Framework: Ignore, Adopt, Anchor: The practical core of the episode. Ignore: the platform of the month (if it's durable, it'll still be there in a year), tool maximalism (one capable AI assistant covers the overwhelming majority of actual work), becoming a technologist (fluency, not engineering), and anything you're only doing out of fear. Adopt: baseline AI fluency using one tool for real tasks, and understanding how audiences are now finding information through AI rather than clicking through to websites. Anchor: the things you don't age out of — judgment, relationships, trust built over decades, storytelling, strategy, and ethics. [15:30] Anchor: The Things You Don't Age Out Of: Karen's framing for the anchor bucket: as the tools get cheaper, your judgment gets more valuable. This includes knowing what not to publish, when to tell a client to stay quiet, and how to catch the AI-generated thing that is confidently, completely wrong. Michelle: that last one is becoming a job all in itself. Karen's reframe for the whole framework: the new tools handle the first draft. You handle the final judgment. That's not a demotion. That's the senior seat. You've earned the editor's chair. [16:33] Four Mindset Shifts for the Final Stretch: Development not decline — treat this stage as its own stage with its own strengths, not as a countdown. Curiosity over mastery — you don't have to be the best at the new thing, just conversant enough that you're never in a meeting where a term comes up and you have no idea what it means. Pick one tool and go deep — depth in one beats a panic attack across many. Partner, don't martyr — bring in a younger pro or a specialist for execution-heavy tasks; you bring the strategy and judgment, they bring the hands-on tooling. Everybody wins. [21:04] Legacy: The Mindset Piece That Reframes Everything: The fourth mindset shift is the one that hits differently: legacy. The mentoring, the coaching, the teaching, the writing — these are not the consolation prize of winding down. They are how your judgment keeps compounding and outlives your client roster. At this stage, the experience is the product. And that's exactly what the Solo PR Pro community is built around — a private, safe place to ask the questions you don't want to ask out loud in front of a client or prospect. [22:07] Three Action Items — Small Ones: Karen closes with three specific, this-week actions. Pick one AI assistant and use it for one real task — not a course, not a certification, just one task. Take your 'supposed to learn' list and run it through the three-bucket framework — cross out everything in the ignore column and watch the list get lighter. Have one conversation about partnering — find one execution-heavy thing you keep avoiding and find a person to delegate it to, not to learn it. Resources & Additional Information National Bureau of Economic Research: Workplace Adoption of Generative AI Oxford Academic: Work, Aging and Retirement late-career development mindset study Science Direct - Productivity and Age: Evidence from work teams at the assembly line Muck Rack: The State of AI in PR (2026, 2025) North Carolina State University: Older is Wiser Solo PR Pro membership community: soloprpro.com That Solo Life podcast website: thatsololife.com Host & Show Info That Solo Life is a podcast created for public relations, communication, and marketing professionals who work as independent and small practitioners. Hosted by Karen Swim, APR, President of Solo PR Pro, and Michelle Kane, Principal of Voice Matters, the show delivers expert insights, encouragement, and practical advice for solo PR pros navigating today's dynamic professional landscape. Listen to all episodes and catch up on previous conversations at thatsololife.com. Did this episode inspire you? If you found value in this conversation, please take a moment to leave us a review. Your feedback helps us reach more solo pros just like you! Don't forget to subscribe so you never miss an episode.

Habt ihr auch manchmal das Gefühl, dass sich der aktuelle Formfaktor von KI noch ein bisschen so anfühlt wie „Kutschen mit Motor“? Dann geht es euch wie dem Berliner KI-Experten und Pandata-Gründer Marco Szeidenleder – und er hat sich deshalb gefragt: Wie sieht das Arbeiten der Zukunft aus, wenn wir KI nicht mehr nur als nettes Add-on in bestehende Tools klatschen, sondern Software von Grund auf AI-first denken? Also hat er PandaOS gegründet und berichtet im Gespräch mit Christoph, wie die Desktop-Anwendung E-Mails, Browser, Coding-Tools und lokale Datenbanken nativ miteinander verknüpft – und wie sie es schafft, dass US-Sprachmodelle Analysen auf Unternehmensdaten fahren können, ohne jemals die echten sensiblen Daten zu Gesicht zu bekommen. Außerdem verrät er, warum ein Data Warehouse eine „Liability“ sein kann und mit welcher Kombination aus Cloud-Datenbank, DBT und Visualisierungstool Unternehmen die Hoheit über ihre Daten behalten.

Can governments decide who gets access to advanced AI models? Are third-party breaches becoming impossible to control? And why are so many CISOs reaching burnout? In this special Cybersecurity Today Month in Review Panel, host Jim Love is joined by cybersecurity experts Laura Payne, David Shipley, and Mike Kim (Mycroft) to examine the biggest cybersecurity stories and trends from June 2026. The panel explores the controversy over U.S. export controls on Anthropic's Mythos and Fable AI models, what they reveal about digital sovereignty, and whether governments should be able to restrict access to frontier AI. They also discuss the continuing wave of third-party breaches, including Salesforce ecosystem compromises and the Clue breach, and why organizations must move beyond compliance toward practical risk management. The conversation examines FortiBleed, exposed administrator portals, credential reuse, and the difficult balance between software flaws, operational mistakes, and secure-by-default design. The panel also tackles one of cybersecurity's biggest human challenges: CISO burnout, executive accountability, organizational culture, and what separates successful security leaders from those set up to fail. The episode concludes with encouraging developments in international cybercrime enforcement, including Operation Riptide, and why better intelligence sharing and improved operational security are making it harder for cybercriminals to hide. Whether you're a CISO, security practitioner, IT leader, or simply interested in the rapidly changing cybersecurity landscape, this discussion offers practical insight into the trends shaping the industry. Panel Jim Love (Host) Laura Payne David Shipley Mike Kim (Mycroft) Topics covered AI export controls and digital sovereignty Anthropic Mythos and Fable Third-party and supply chain risk Salesforce ecosystem security FortiBleed and Fortinet security Secure-by-default strategies CISO burnout and executive accountability Operation Riptide Cybercrime investigations Security leadership and governance Chapters 00:00 Sponsor NordLayer 00:38 Meet the Panel 02:40 Author Scam Warning 04:51 Emotion Is the Target 08:47 AI Model Export Controls 10:01 Hype vs Real AI Security 15:01 Sovereignty and Dependency 20:35 Governments Push Back 24:14 AI Internal Voice Risks 26:12 Third Party Breach Fatigue 30:05 Compliance Limits on Risk 32:15 Blame Game to Risk Focus 33:18 Standards and Priorities 33:39 When Security Vendors Fail 34:35 FortiBleed Numbers Explained 35:44 Process Failures vs Bugs 37:32 Why Fortinet Gets Heat 39:05 Secure by Default Basics 41:04 Budget Reality and Culture 44:36 CISO Burnout and AI Pressure 46:16 Liability and Shared Ownership 50:12 What Great CISOs Do 53:07 Operation Riptide Wins 56:10 Deterrence and Due Process 58:14 Sharing Intel for ROI 59:09 Hopium and Wrap Up 01:00:46 Sponsor NordLayer Message

The insured has spent months in an escalating dispute with his neighbor over the neighbor's alleged violation of HOA rules and garish lawn decorations. Finally, the insured takes things too far by aiming his sprinkler at the neighbor's newly painted shed, ruining an expensive paint job. The insured has been sued, and wants their insurance company to defend them in the lawsuit. Notable Timestamps [ 00:00:32 ] - This scenario involves an insured causing damage by ruining a neighbor's painted shed with a sprinkler, and expecting a defense. [ 00:01:17 ] - The PLRB's Frontlines newsletter is a valuable resource for staying updated on recent case law regarding property, auto, and liability insurance. [ 00:05:29 ] - An insurance company's duty to defend is crucial because fighting even a completely invalid lawsuit still requires spending money on legal fees. [ 00:07:32 ] - Courts have ruled that erecting a malicious spite fence is a deliberate action, meaning it is not an accidental occurrence covered by insurance. [ 00:13:01 ] - Bizarre accidents, like special low-efficiency windows melting a neighbor's vinyl siding by focusing sunlight, can potentially be covered occurrences. [ 00:16:53 ] - Determining whether mistaken actions count as occurrences depends heavily on specific state jurisdictions. [ 00:20:19 ] - If an individual intentionally punches someone, there is usually no occurrence, regardless of whether they intended to cause a severe injury like a broken jaw. [ 00:24:03 ] - Liability insurance only covers fortuitous losses, so if a primary action isn't an occurrence, exclusions for intentional acts do not require analysis. Your PLRB Resources HO651 - Occurrence Definition https://members.plrb.org/documents/ho651-occurrence-definition Employees of member companies also have access to a searchable legal database, hundreds of hours of video trainings, building code materials, weather data, and even the ability to have your coverage questions answered by our team of attorneys (https://www.plrb.org/ask-plrb/) at no additional charge to you or your company. Subscribe to this Podcast Your Podcast App - Please subscribe and rate us on your favorite podcast app YouTube - Please like and subscribe at @plrb LinkedIN - Please follow at "Property and Liability Resource Bureau" Send us your Scenario! Please reach out to us at 630-509-8704 with your scenario! This could be your "adjuster story" sharing a situation from your claims experience, or a burning question you would like the team to answer. In any case, please omit any personal information as we will anonymize your story before we share. Just reach out to scenario@plrb.org.  Legal Information The views and opinions expressed in this resource are those of the individual speaker and not necessarily those of the Property & Liability Resource Bureau (PLRB), its membership, or any organization with which the presenter is employed or affiliated. The information, ideas, and opinions are presented as information only and not as legal advice or offers of representation. Individual policy language and state laws vary, and listeners should rely on guidance from their companies and counsel as appropriate. Music: "Piece of Future" by Keyframe_Audio. Pixabay. Pixabay License. Font: Metropolis by Chris Simpson. SIL OFL 1.1. Icons: FontAwesome (SIL OFL 1.1) and Noun Project (royalty-free licenses purchased via subscription). Sound Effects: Pixabay (Pixabay License) and Freesound.org (CC0).

Freddie Scarratt, Global Deputy Head of InsurTech at Gallagher Re, joins James Benham and Rob Galbraith to unpack why 95% of all insurtech funding in Q1 2026 flowed into AI-focused companies, and what that means for the birth of an entirely new risk class: AI liability. From the Air Canada chatbot case that made headlines, to the hard lesson the industry learned when cheap venture capital tried to scale insurtechs like SaaS businesses, Freddie brings a reinsurance broker's view of where AI liability, cyber, and professional indemnity are converging into one digital risk category, and why insurance, unlike every other industry, can never fully cap its downside.

Sarah Ference, CPA, a risk control director at CNA, returned to the Journal of Accountancy podcast to discuss recent topics of the JofA's Professional Liability Spotlight column. The conversation covers three timely issues facing CPA firms: the Great Wealth Transfer, ethical decision-making when clients push boundaries, and the need for practical AI policies. The conversation also reflects on AICPA ENGAGE and the value of staying connected to developments in the profession. The articles discussed in the episode: May: "Managing CPA Liability in the Great Wealth Transfer." June: "Making the Right Choice When No One Is Watching." July: "Drafting an AI Policy That Actually Works." What you'll learn from this episode: Why the Great Wealth Transfer is creating liability risks for CPAs in estate planning, tax filings, and other services. How CPAs can respond when clients want to skirt rules because they perceive regulatory oversight or enforcement to be weakening. Why accounting firms need an AI policy and key considerations when establishing guidelines for AI use in practice. Ference's takeaways from AICPA ENGAGE last month.

A guilty plea to seven counts of murder, with an admission to an eighth, establishes the underlying facts for purposes of civil litigation. This look back, with defense attorney and former prosecutor Eric Faddis, examines the wrongful death lawsuit filed in the wake of Rex Heuermann's plea and what it means for his family's legal exposure.The suit, filed by the son of victim Valerie Mack, names Asa Ellerup and their daughter Victoria Heuermann as defendants, alleging the family profited from a documentary and demonstrated disregard for the victims. Counsel for Ellerup has characterized the claims as reckless. Faddis analyzes the legal theory — what a wrongful death action requires, how the guilty plea alters the evidentiary landscape in civil proceedings, and where the line falls between proximity to a convicted offender and actionable legal liability. He addresses whether the allegations as currently framed are likely to survive initial legal challenges.The segment also examines the plea agreement itself. Heuermann's attorney described the guilty plea as a "sense of relief" for his client — language that behavioral analysts read very differently than the general public might. Retired FBI Behavioral Analysis Chief Robin Dreeke assesses what that framing reveals about the defendant's psychological relationship to his crimes, and what the FBI cooperation requirement — part of the plea agreement — is designed to produce. Heuermann confirmed strangulation as the cause of death for each victim and is expected to be sentenced to three consecutive life terms plus an additional hundred years. We revisit where the matter stood at the time of our reporting.Join Our SubStack For AD-FREE ADVANCE EPISODES & EXTRAS!: https://hiddenkillers.substack.com/ Want to comment and watch this podcast as a video? Check out our YouTube Channel. https://www.youtube.com/channel/UC8-vxmbhTxxG10sO1izODJg?sub_confirmation=1 Instagram https://www.instagram.com/hiddenkillerspod/ Facebook https://www.facebook.com/hiddenkillerspod/ Tik-Tok https://www.tiktok.com/@hiddenkillerspod X Twitter https://x.com/TrueCrimePodThis publication contains commentary and opinion based on publicly available information. All individuals are presumed innocent until proven guilty in a court of law. Nothing published here should be taken as a statement of fact, health or legal advice.#RexHeuermann #GilgoBeachKiller #LISK #WrongfulDeath #AsaEllerup #EricFaddis #RobinDreeke #CivilLiability #TrueCrime #HiddenKillers

An indoor family entertainment concept that started in Aurora is quietly on track to become a billion dollar enterprise, and most Colorado investors have not heard the story yet. Lava Island opened its first park in 2018 and now operates 11 locations across the country, with every single new park cash flowing positive in its first month. Chris Lopez sits down with Dan Price, managing partner at Amplify Capital, to break down the Lava Island investment opportunity. Dan came to this deal after a 9-figure exit in insurance services and is now the single largest investor in the offering, calling it a once in a couple decades opportunity. The conversation covers what makes Lava Island structurally different from Urban Air, Sky Zone, and Boondocks. The 2 to 12 age focus, the absence of arcades and go-karts, and a staffing model that runs on roughly 40 people versus 120+ at competitors all combine into a simpler, lower liability, higher margin business. Dan gets specific on the numbers behind the Lava Island investment opportunity. The original Aurora location did 6 million in top line revenue on 10 dollar hourly passes. Each new build costs around 4.5 million. The reinvestment fund is modeled at a 6.8x MOIC with target exit in late 2029 or early 2030. The cash flow fund delivered a 16.44 percent annualized distribution in May and is projected to hit the mid 30s by the end of next year. Accelerated depreciation gave 2025 investors 1.17 dollars in deduction losses per dollar invested. For offering details and data room access on the Lava Island investment opportunity, reach out through ampcap.co. In This Episode We Cover: Why no arcades, no go-karts, and a 2 to 12 age focus is the competitive moat How Lava Island scaled from 1 location to 11 in roughly 2 years The vertically integrated construction model with hand-painted murals at every park Why every new location has been cash flow positive month one The 6.8x MOIC reinvestment fund vs the cash flow fund paying monthly distributions How accelerated depreciation wiped out gains for 2025 investors Why Dan believes this is a once in a couple decades opportunity This is the most aggressive offering Lava Island will run before terms tighten in future raises. If you have wanted exposure to a proven family entertainment concept with national expansion underway, this is the episode to listen to before reaching out. Watch the Youtube Video https://youtu.be/M3Q3VOwRg88 Timestamps 00:00 Welcome and intro to Lava Island family entertainment investment 01:30 Dan Price background ranching roots to 9-figure insurance services exit 05:04 From Narrate Ventures to Amplify Capital growth capital rebrand 06:54 Why founders need partners painful and lonely journey 08:23 What Lava Island is 2 to 12 age focus vs Urban Air Sky Zone Boondocks 13:03 Operating leverage 40 staff vs 120+ at competitors 14:45 Liability de-risked no go-karts no climbing walls no teenagers 16:24 Founders Boyd and Celeste 15+ years building parks across Europe 23:06 CEO Chase hired with one location pedigree of scaling exits 25:34 Vertically integrated construction Polish muralists hand-paint every wall 28:44 11 locations open expansion to 40+ targeting billion dollar enterprise value 31:04 Every location cash flow positive month one 32:04 Reinvestment fund 6.8x MOIC modeled returns and qualified purchaser requirement 34:25 Cash flow fund 16.44% annualized May distribution mid 30s projected 35:06 Accelerated depreciation $1.17 deduction per dollar invested in 2025 36:41 How to reach Amplify Capital Links in Podcast Amplify Capital Lava Island Reach out to Chris and the team by emailing chris@propertyllama.com for a warm intro to Amplify Capital or to discuss the opportunity further.

Advanced Driver Assistance Systems, or ADAS, have aided driver safety and prevented or lessened the severity of collisions. At the same time, they require specific procedures to ensure they're working as designed post-collision. What is the shop's liability, and how can an operator lessen that risk? In this episode, we're joined by Rebekah Cooper of The Cooper Firm, a nationwide catastrophic injury and wrongful death law firm, based in Marietta, Georgia; and Sean Preston, founder and managing attorney of Coverall Law, specializing in legal services for the collision repair industry and headquartered in Wareham, Massachusetts. This podcast does not constitute legal advice and is provided only for informational purposes. Find contact information for Rebekah here and for Sean here. And look for the article on this same subject with Rebekah and Sean in the August issue of FenderBender magazine.

Independent investigative journalism, broadcasting, trouble-making and muckraking with Brad Friedman of BradBlog.com

The dominant structural mechanism explored in this episode centers on governance gaps in access management and the resulting liability transfer to MSPs. The discussion highlights how fragmented identity stacks, unmanaged access, and reliance on manual tracking expose MSPs to growing contractual, operational, and legal risk. Companies and technologies referenced include Microsoft 365, Google Workspace, Okta, ConnectWise, and specific access governance solutions targeting the channel. The ConnectWise 2026 Threat Report identifies credential abuse as a core attack vector, underscoring how unaddressed authorization and access drift remain a structural exposure area. The episode cites multiple indicators and supporting data. According to the ConnectWise 2026 Threat Report, credential abuse is now the primary attack vector, with attackers commonly exploiting active and orphaned accounts left unmanaged in client environments. Fragmented identity stacks complicate the onboarding and offboarding process, with onboarding often requiring 45 minutes per client as technicians navigate numerous access portals. The prevalence of shadow IT, orphaned accounts, and missed deprovisioning windows was discussed as persistent drivers of both operational overhead and increased incident risk. Supporting developments include community-documented scenarios where multi-factor authentication (MFA) was present but insufficient to prevent breaches, particularly when privilege escalation or temporary exclusions remain unaddressed. Examples such as the Reddit phishing event and Microsoft's handling of MFA via VOIP demonstrate how authentication is distinct from governance, and that temporary access or exceptions frequently become permanent, heightening exposure. Regulatory environments—including healthcare, finance, and government—were cited as adding further requirements for explicit governance controls and auditable access policies, while manual spreadsheet tracking often fails to meet these demands. The operational implications for MSPs include the need to move beyond basic practice such as MFA and endpoint protection, toward purpose-built tools and processes that provide continual visibility, auditable controls, and policy enforcement for client access. Without this, MSPs face increased administrative burden, billing discrepancies, contractual liability, and reputational risk. As regulatory audits become more demanding and clients demand clearer evidence of governance, service providers must reconcile the tradeoffs between increased process complexity and the need for automated, enforceable identity governance. This shift challenges existing pricing models, requiring MSPs to justify and potentially repackage their service offerings in the context of risk management and operational maturity.

Aughie and Nia discuss the opinions in Noes v Al Otro Lado, Mullin v Doe, and Cisco Systems v Doe. The first case allows the federal government to stop immigrants before arriving on American soil to ask for asylum. The second case allows the government to cancel Temporary Protection Status visas. The third case does not allow Cisco to be sued because the Chinese government used its software to locate and torture Chinese dissidents.

Selling a highly appreciated asset can trigger a devastating tax bill, but it doesn't always have to. In this episode, Chad Ettmueller and Monty Walker break down a little-known tax strategy called the Structured Installment Sale. This approach allows sellers of investment real estate, farmland, timberland, or even closely-held businesses to defer their capital gains taxes while securing a guaranteed stream of income. Before you sign on the dotted line, discover how this unique financial tool works, who qualifies for it, and why it offers significantly more flexibility than traditional tax-deferral options. Key takeaways to listen for How a Structured Installment Sale differs from a traditional 1031 exchange Why timing matters when planning for capital gains taxes Which types of property owners can benefit most from this strategy How installment sales can help preserve wealth for future generations Why building the right advisory team before selling is critical   Resources mentioned in this episode https://sisresource.com   About Chad EttmuellerChad is Senior Vice President of JCR Settlements, LLC. Chad specializes in both personal and commercial general liability, trucking/transportation industry claims, medical malpractice and workers' compensation claims. Chad possesses significant experience working with Medicare Set-Asides (MSA's) in both Workers' Compensation and Liability negotiations.   About Monty WalkerMonty is a Certified Public Accountant with a diversity of experience in the private closely-held business arena. Monty supports Entrepreneurial Clients throughout the country. He is an extremely innovative advisor in the Business Transfer Industry providing support to Small Business Owners in the areas of Business Transactions, Business Structuring & Design, Business Tax Planning and Business Exit Planning.   Connect with Chad & Monty Website: JCR Settlements | Structured Installment Sales LinkedIn: Chad Ettmueller | Monty Walker Phone Number: (404) 661-3507 | (770) 886-7400   About Leigh BrownLeigh Brown is a keynote speaker and leadership expert who helps organizations navigate growth, conflict, and change with clarity and courage. Her message resonates with leaders facing real-world pressure—whether that's housing challenges, organizational friction, or cultural shifts. Her latest book, Next Is Now, equips leaders to stop reacting and start leading with intention.

Send us Fan MailThe Liability That Could Cost You EverythingServicing a pool is one thing.Being held responsible for someone else's decisions is another.This week on Thursdays with Stephen & Wayne, the conversation dives into one of the most uncomfortable realities facing pool professionals today: what happens when you identify a safety issue, document it, recommend the fix... and the client refuses to act?From commercial hotels and apartment complexes to homeowner associations and residential accounts, the discussion explores the legal gray areas surrounding code compliance, liability, documentation, and knowing when it's time to walk away from a client.The episode also revisits the ongoing issues surrounding the Lincoln Memorial Reflecting Pool, discusses lessons learned from a complex commercial automation installation, and explains why documenting safety concerns may be one of the most valuable services a pool professional can provide.If you've ever wondered, "How many times do I have to tell a client before it's no longer my problem?"—this episode is for you.In This Episode Updates on the Lincoln Memorial Reflecting Pool  Why source water matters  Commercial pool liability  What happens when clients ignore safety recommendations  How to properly document code violations  Protecting your company when contracts end  Commercial vs. residential liability concerns  Certified letters, emails, and documentation best practices  Managing clients who refuse to make required repairs  Annual safety reviews and follow-up recommendations  Insurance considerations every pool professional should understand  Occurrence vs. claims-made insurance policies  Commercial automation and salt chlorination lessons learned  Real-world troubleshooting with commercial chemical controllers  The importance of manufacturer support on large installations  CPO Instructor training opportunities Key TakeawayFinding a safety issue isn't enough.Documenting it.Communicating it.Following up appropriately.And knowing when to walk away......may ultimately be what protects your business when something goes wrong.Sometimes the biggest risk in the pool industry isn't the water—it's the paperwork you didn't create.SubscribeStay up to date with expert conversations, technical discussions, and real-world business lessons from the Talking Pools Podcast Network.Available on Apple Podcasts, Spotify, YouTube, and wherever you listen to podcasts.#TalkingPools #PoolIndustry #CommercialPools #PoolService #RiskManagement #SwimmingPools #PoolSafety #CPO #PoolBusiness #Liability #WaterChemistry #PoolProfessionals  LaMotte CompanyLaMotte Company is a leading manufacturer of water quality testing products & pool test kitsCalifornia Pool AssociationPool Industry Trade OrganizationCMAHCThe Council for the Model Aquatic Health Code promotes health & safety at public swimming poolsDisclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the showThank you so much for listening! You can find us on social media:FacebookInstagramTik TokEmail us: talkingpools@gmail.com

The dominant structural shift outlined is a transfer of liability and accountability for AI-generated errors from vendors to the entities deploying these systems—primarily MSPs and their clients. While vendors aggressively promote scalable AI tools and urge rapid adoption, the legal and operational burden of verifying and standing behind AI output falls on deployers, not on the tool providers. Recent court rulings and shifting buyer expectations are accelerating this transfer, fundamentally altering the MSP business model around AI services. Primary evidence for this shift comes from both industry behavior and legal precedent. Kaseya urged MSPs to quickly embrace AI services while revealing that only about 13% of providers are seeing significant revenue from AI, despite roughly half of clients requesting these solutions. Compounding the structural gap is a low conversion rate from proof-of-concept to production (only 20% success, per Kaseya), and high failure rates in AI-generated code—Forbes reported security and logic errors appear far more frequently in machine-produced output than in human code. Notably, courts in Germany and Canada have ruled that organizations are legally responsible for the statements and errors created by their AI, not the vendors providing the underlying tools. Supporting developments reinforce the risk and accountability mismatch. Research cited from Gartner indicates over 70% of CEOs and 75% of CIOs believe current IT operating models are unfit for the demands of the AI era, highlighting a recognized governance gap. Consumer surveys show that over half hold company leadership personally responsible for AI failures. The recurring vendor emphasis on selling tools, combined with product features that prioritize scale over individualized accountability, deepens the structural challenge for service providers. For MSPs and IT service organizations, the primary practical implication is that competitive differentiation and risk mitigation will depend less on which AI products are resold and more on documented processes for reviewing, annotating, and standing behind AI-generated output. Vendors' tools are pervasive and quickly commoditized, so market separation arises from the ability to provide tangible accountability standards—proof of human review, defined sign-off authority, and clear records for client audits and legal defense. Pricing strategies that reflect the cost of accountability, rather than simply product markup, are likely to become more sustainable as client focus shifts from features to liability management in AI adoption. 00:00 The 13% Problem  03:29 The Tool vs. The Work 05:43 The Wrong Answer's New Address 08:37 Why Do We Care?  Supported by:  CometBackup TimeZest   

What's up fraud fighters, and welcome back to Fraud Forward!Today we are talking about ACH compliance, and I know that may not sound like the most exciting opener in the world, but if you work in fraud, payments, operations, compliance, treasury, management, or anywhere near ACH this matters because ACH is one of the most widely used payment rails in the country. And when something goes wrong, it doesn't just stay contained to one team. It impacts customers, creates operational strain, introduces regulatory risk, and can expose gaps in how your institution detects and responds to fraud.Over the last few months, I have had conversation after conversation with fraud leaders at community banks and credit unions who are asking the same questions. Do we need new technology? Are we expected to monitor every ACH transaction in real time? What exactly are examiners going to expect from us? And if your head has been spinning a little bit, I want you to hear me on this: you are not alone. This episode is about the real story behind NACHA Phase 2. And to me, the real story is not that every institution needs to run out and buy another fraud platform. The real story is that ACH compliance is becoming a much more intentional conversation. It is about knowing your risk, documenting your processes, understanding who owns what, and being able to explain why your institution monitors ACH fraud the way that it does.I actually think that is a good thing. Because for too long, our industry has leaned on liability as the finish line. If we are not liable, it is not really our problem. And technically, maybe sometimes that has been true. But operationally, ethically, and from a fraud fighter perspective, that has never sat well with me.Fraud does not live in silos. Neither should ACH fraud prevention.What you'll hear in this episode:Why NACHA Phase 2 is about intentionality, not just technologyWhat changed in the final Nacha ACH rules and why that flexibility matters How ACH compliance applies to community banks and credit unions now in scopeWhy layered controls do not always mean buying another vendor solution How false pretenses fit into ACH fraud detection and ACH fraud prevention Why RDFI compliance and ODFI compliance require clear ownership across teamsWhat examiners may expect when reviewing your ACH compliance programFive questions every institution should ask about ACH fraud documentationYou should listen to this episode if:You work in fraud operations, payments compliance, ACH operations, BSA, AML, or treasury managementYour institution is working through NACHA Phase 2 implementationYou are trying to understand ACH examiner expectations without overbuilding your programYou serve a community bank or credit union and need practical ACH compliance guidanceYou want to move from a liability mindset to a visibility mindset in payments fraud If you liked this episode, be sure to subscribe and review the podcast on iTunes, Spotify, YouTube, or wherever you listen to podcasts.

In this episode, Angela discusses the concept of 'preventative financial care' to avoid common financial pitfalls. She emphasizes the importance of seeking professional help early, rather than waiting until a crisis occurs. The episode outlines eight key life planning issues that serve as a baseline for proactive financial management. Key Takeaways

Liability classification under US GAAP extends well beyond traditional loans and bonds. In this episode, we discuss common arrangements that may be accounted for as liabilities, including preferred stock, warrants, noncontrolling interests, failed sale transactions, sales of future revenue, and supplier finance programs. We cover liability classification, measurement, and other accounting implications.For further guidance on this topic, see our Financing transactions guide.This episode is the second in our debt-related miniseries, so stay tuned for more. In case you missed it, check out our first episode, Current or noncurrent? Getting debt classification right.Follow this podcast on your favorite podcast app and subscribe to our weekly newsletter to stay in the loop for the latest thought leadership on sustainability standards. About our guestsBret Dooley is a PwC National Office Deputy Chief Accountant who leads teams focused on the financial services sectors and accounting for financial instruments. He has over 25 years of experience in the financial services, banking, and capital markets industries. Bret focuses on emerging financial reporting issues related to financial instruments, developing interpretive guidance, and assisting clients in resolving complex accounting matters.Chip Currie is a partner in PwC's National office with 30 years of experience assisting companies in resolving complex business and accounting issues. He concentrates on the accounting for financial instruments under both current and emerging standards and works with many of the firm's largest financial services clients and a number of non-financial services clients on treasury-related matters.About our guest hostDiana Stoltzfus is a partner in PwC's National Office who helps to shape PwC's perspectives on regulatory matters, responses to rulemakings and policy development, and implementation related to significant new rules and regulations. Prior to rejoining PwC, Diana was the Deputy Chief Accountant in the Office of the Chief Accountant (OCA) at the SEC where she led the activities of the OCA's Professional Practices Group.Transcripts available upon request for individuals who may need a disability-related accommodation. Please send requests to us_podcast@pwc.com. Did you enjoy this episode? Text us your thoughts and be sure to include the episode name.

"The most unused cash in the country right now is the money you're wasting on healthcare... If you save a million dollars a year, that's $20 million in market cap."Is your company treating its healthcare spend like a business strategy, or are you just writing a blank check to the major insurance carriers every year?In this episode, I was (finally) joined by Mark Cuban, Ann Lewandowski, and Matt Miron. After answering how he would approach healthcare for a hypothetical company on Shark Tank, Mark broke down his exact playbook for mid-market employers: why you should fire traditional networks, the massive ROI of hiring an internal "Healthcare CFO" to negotiate single-case agreements, and why "carve-out" is the most important phrase for your benefit strategy this year. Together, we also discussed the dark side of healthcare economics, including the exorbitant spread pricing of PBMs and distributors, how to use AI (like Claude or ChatGPT) to find the hidden "gotchas" in your ASO contracts, and the terrifying legal liabilities CEOs face when their carriers deny life-saving treatments.This one has been in the works for years, and I hope it doesn't disappoint. Tune in!Thank you to our 2026 sponsors!ParetoHealth: ParetoHealth empowers midsize employers with a long-term solution to reduce volatility and lower overall health benefits costs. Visit https://www.paretohealth.com/fully-insured-vs-self-funding-with-paretohealth-spencer-podcast/?utm_source=youtube&utm_medium=referral&utm_campaign=SelfFundedwSpencer to learn more.Samaritan Fund: A program that connects those who need help to the support they need. We are proud to offer the Samaritan Fund Program. Visit SamaritanFundProgram.com to learn more.Vālenz Health: We're Vālenz Health, your partner in improving health literacy, reducing plan spend, and delivering high-value healthcare. Visit ValenzHealth.com to learn more.Imagine360: Imagine360 helps self-funded employers save on healthcare with smarter health plans. Cut expenses by 20-30% with custom solutions. Contact us today at Imagine360.com.Chapters:(00:00:00) Introductions: Mark Cuban, Ann Lewandowski, and Matt Miron (00:01:08) Mark Cuban's Healthcare Playbook for Shark Tank Companies (00:05:54) Single Case Agreements and Hiring an Internal Healthcare CFO (00:10:08) Why the Keyword for 2026 is "Carve Out" (00:14:32) Fiduciary Duty and Waiving Employee Deductibles (00:20:52) Starting with Out-of-Network Negotiations (00:25:09) The No Surprises Act, IDR Arbitration, and Secret Payouts (00:29:12) Why Mark Started Cost Plus Drugs (and Cost Plus Wellness)(00:32:10) How Distributors and PBMs Inflate Drug Prices (00:36:49) Using AI (Claude/ChatGPT) to Audit Your Carrier Contracts (00:37:52) The 340B Scam and Fiduciary Lawsuits (00:44:27) Increasing Enterprise Value: Why Healthcare Savings = Market Cap (00:47:46) CEO Liability for Life-Threatening Claim Denials (00:50:37) The Perverse Economics of Prior Authorizations and Appeals (00:52:59) Final Takeaways: Watch Your Money and Carve OutKey Links for Social:@SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFundedListen/watch on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/

"The most unused cash in the country right now is the money you're wasting on healthcare... If you save a million dollars a year, that's $20 million in market cap."Is your company treating its healthcare spend like a business strategy, or are you just writing a blank check to the major insurance carriers every year?In this episode, I was (finally) joined by Mark Cuban, Ann Lewandowski, and Matt Miron. After answering how he would approach healthcare for a hypothetical company on Shark Tank, Mark broke down his exact playbook for mid-market employers: why you should fire traditional networks, the massive ROI of hiring an internal "Healthcare CFO" to negotiate single-case agreements, and why "carve-out" is the most important phrase for your benefit strategy this year. Together, we also discussed the dark side of healthcare economics, including the exorbitant spread pricing of PBMs and distributors, how to use AI (like Claude or ChatGPT) to find the hidden "gotchas" in your ASO contracts, and the terrifying legal liabilities CEOs face when their carriers deny life-saving treatments.This one has been in the works for years, and I hope it doesn't disappoint. Tune in!Thank you to our 2026 sponsors!ParetoHealth: ParetoHealth empowers midsize employers with a long-term solution to reduce volatility and lower overall health benefits costs. Visit https://www.paretohealth.com/fully-insured-vs-self-funding-with-paretohealth-spencer-podcast/?utm_source=youtube&utm_medium=referral&utm_campaign=SelfFundedwSpencer to learn more.Samaritan Fund: A program that connects those who need help to the support they need. We are proud to offer the Samaritan Fund Program. Visit SamaritanFundProgram.com to learn more.Vālenz Health: We're Vālenz Health, your partner in improving health literacy, reducing plan spend, and delivering high-value healthcare. Visit ValenzHealth.com to learn more.Imagine360: Imagine360 helps self-funded employers save on healthcare with smarter health plans. Cut expenses by 20-30% with custom solutions. Contact us today at Imagine360.com.Chapters:(00:00:00) Introductions: Mark Cuban, Ann Lewandowski, and Matt Miron (00:01:08) Mark Cuban's Healthcare Playbook for Shark Tank Companies (00:05:54) Single Case Agreements and Hiring an Internal Healthcare CFO (00:10:08) Why the Keyword for 2026 is "Carve Out" (00:14:32) Fiduciary Duty and Waiving Employee Deductibles (00:20:52) Starting with Out-of-Network Negotiations (00:25:09) The No Surprises Act, IDR Arbitration, and Secret Payouts (00:29:12) Why Mark Started Cost Plus Drugs (and Cost Plus Wellness)(00:32:10) How Distributors and PBMs Inflate Drug Prices (00:36:49) Using AI (Claude/ChatGPT) to Audit Your Carrier Contracts (00:37:52) The 340B Scam and Fiduciary Lawsuits (00:44:27) Increasing Enterprise Value: Why Healthcare Savings = Market Cap (00:47:46) CEO Liability for Life-Threatening Claim Denials (00:50:37) The Perverse Economics of Prior Authorizations and Appeals (00:52:59) Final Takeaways: Watch Your Money and Carve OutKey Links for Social:@SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFundedListen/watch on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/

Independent investigative journalism, broadcasting, trouble-making and muckraking with Brad Friedman of BradBlog.com

Independent investigative journalism, broadcasting, trouble-making and muckraking with Brad Friedman of BradBlog.com

With Jaylen Brown outside factors, could he be seen as a liability to other teams when trading for him?

Send us Fan MailWhat happens when a customer's heater fails... and the replacement part simply doesn't exist anywhere in the country?This week, Steve and Wayne dive into the realities of modern pool service, where solving problems often has less to do with technical skill and more to do with navigating manufacturers, distributors, supply chains, and customer expectations. From chasing down an elusive electric heater control board to discussing how relationships with manufacturer representatives can make—or break—a difficult service call, the conversation offers an honest look at the behind-the-scenes challenges pool professionals face every day.Later in the episode, Steve is joined by Pat Grignon of the California Pool Association for another Insurance Interlude. Together they tackle an important question that many commercial service companies eventually encounter:Can another company legally operate under your commercial pool license?The discussion explores liability, insurance implications, contractor licensing, and why helping another business could expose your own company to significant legal risk if done improperly.The episode wraps with a candid conversation about distributor relationships, manufacturer voucher programs, pricing pressures, and why customer service—not loyalty programs—ultimately determines where professionals choose to spend their money.Topics Discussed Why sourcing replacement parts has become increasingly difficult  A real-world case involving a commercial 54 kW electric pool heater  Supply chain challenges affecting manufacturers and distributors  Why maintaining relationships with manufacturer representatives matters  When repairing equipment no longer makes financial sense  Commercial pool licensing requirements in California  Can another company legally use your license?  Insurance and liability considerations when lending credentials  Additional insured requirements and subcontractor risk  Distributor pricing, voucher programs, and customer loyalty  How manufacturer-distributor conflicts affect service companies  Why great customer service is still the industry's greatest competitive advantage Key Takeaways Not every equipment failure is a technical problem—sometimes it's a supply chain problem.  Strong relationships with manufacturers and distributors often determine how quickly difficult problems get resolved.  Allowing another company to operate under your license can create significant legal and insurance exposure.  Before entering any licensing or subcontracting arrangement, consult both your insurance professional and legal advisor.  Customers ultimately buy service, responsiveness, and trust—not brand names. Connect With Talking PoolsHave a question or topic you'd like discussed on the show?Email: talkingpools@gmail.comYour question could be featured on an upcoming episode, and if your topic is used, you might even receive a Talking Pools thank-you gift.Talking Pools Podcast Where pool professionals talk to pool professionals—bringing together education, chemistry, business, technology, and the real-world challenges facing today's aquatic industry Support the showThank you so much for listening! You can find us on social media:FacebookInstagramTik TokEmail us: talkingpools@gmail.com

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Are you still inside every client relationship because no one on your team has been given the room to own one? Have you hired people who look great on paper only to later discover the skills do not actually transfer? Today's featured guest built her agency deliberately, one client at a time, carrying systems from her years at L'Oréal before anyone told her those systems would matter. She talks about how she structured accountability on her team from the beginning, how she filters out candidates who cannot think without AI holding their hand, and why she stopped caring about working with the sexiest beauty brands and started caring about working with the right ones. Mimi Banks is the founder and CEO of MB Social, a New York-based social media agency specializing in beauty. She spent years at L'Oréal, where she was among the first people to build social media infrastructure at the company, then moved to a Paris-based startup before eventually launching MB Social. Her team of 25 now handles social strategy, community management, and content for beauty brands across the market. In this episode, we'll discuss: Starting off with a vision on accountable vs responsible Can your team do 80% of what you do? Then you're set Why she stopped chasing the wrong clients Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources E2M Solutions: Today's episode of the Smart Agency Masterclass is sponsored by E2M Solutions, a web design and development agency that has provided white-label services for the past 10 years to agencies all over the world. Check out e2msolutions.com/smartagency and get 10% off for the first three months of service. Building From the Beginning with Systems, Not Just Instinct Mimi came into agency ownership with something most founders spend years trying to build after the fact: a working model for how things should get done. Her time creating social media infrastructure at L'Oréal gave her a process orientation before she had a team to apply it to. When she started bringing people on at MB Social, the systems came with her. The ways of working, the documentation, the clarity around who was responsible versus who was accountable: those were in place because she had already built them once somewhere else. For instance, she started off with clarity on the distinction between responsible and accountable. She positioned herself as accountable from day one while making sure there was always a specific person responsible for each piece of work. That structure kept her from becoming the default executor on everything, which is the trap most founders walk into when they hire without clarifying ownership. The 80 Percent Standard That Actually Frees You Mimi is far enough along in her evolution that she no longer reviews most of what her team produces. She trusts the people leading each department to make judgment calls without routing them upward. Getting there required learning to live with the gap between what she would do and what her team does, and deciding that gap was acceptable. This is a framing every mastermind member knows: if your team does 80 percent of what you would do, that is good enough. Because you cannot do a hundred percent of everything, and the cost of trying is that you stay in the operator role indefinitely. The coaching method Mimi asks her leadership team to apply is asking questions. Similar to the Mastermind's 1-3-1 method, it's basically about asking questions that will help your team come up with options they have already considered, which leads to them coming up with the solution on their own. Do that enough times and the team stops treating the founder as the answer key. Hiring for Beauty When Everyone Says They Know Social The challenge Mimi keeps running into in hiring is the gap between what candidates say they can do and what the work actually requires. Social media for enterprise beauty brands is not the same skill as posting on a personal Instagram. The strategy is more complex, the client demands are higher, and the responsiveness required is relentless. Candidates do not always know that going in, and some of them figure it out in ways that are expensive to the team. The hiring process she built with Hireflex added a video interview layer with no retry option that filters for candidates willing to do the uncomfortable thing even when it is not required. From there she takes the transcripts, runs them through AI against a scoring rubric tied to the job description, and uses that data alongside her own read to make decisions. What she is testing for is the ability to think, not just to produce a clean output with AI assistance. The perfect presentation that does not match the resume tells her nothing useful. The candidate who works through a problem imperfectly, in their own words, tells her a great deal. Designing the Agency Around the Clients You Actually Want Mimi stopped chasing the sexiest beauty brands. Not because she cannot get them, but because sexy and right are not the same thing. Payment terms that stretch to 120 days, clients who treat the team poorly, brands that want work done yesterday and deliver assets a month late: those are not problems that prestige solves. She now runs the agency with a no bullshit attitude and is quick to address when a client's behavior affects her team. That boundary is what makes it possible to keep the team she has built. The version of client selectivity that actually holds is based on being clear enough on what you are building that you can recognize a client who does not fit before the contract is signed. After all, client relationships are like dating: you have to see if you get along before you commit, because the worst version of a client relationship looks a lot like a bad marriage, and the damage it does to a team is not undone when the contract ends. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.

Legacy or Liability? // Jonathan & Seth Owens // CDA Campus by The Heart

This week's WeatherBrains episode is a home-grown show all about storm chasing:  The Good, The Bad, The Ugly. Our email officer Jen is continuing to handle the incoming messages from our listeners. Reach us here: email@weatherbrains.com. Waning interest in storm chasing (04:00) Holding it while dealing with long-form severe weather coverage (10:00) Current state of storm chasing in 2026 (16:00) Importance of enforcing traffic laws when dealing with a saturated chaser community (27:30) Oklahoma traffic laws concerning emergency lights (31:30) Liability insurance requirements for those who continue to storm chase? (36:00) NOAA's OPG (Operations Proving Ground) (49:30) What is the purpose of a service assessment?  (59:30) State of Connecticut doesn't need 3 WFOs! (01:02:00) Importance of interacting directly with the people we serve in the field of weather to mitigate loss of life (01:10:00) Discriminating between weaknesses and strengths in the warning process (01:21:30) Effectively utilizing user generated content during long-form severe weather coverage (01:23:30) Private Slack chat session with trusted weather professionals to weed out AI/fake images (01:28:00) The Astronomy Outlook with Tony Rice (No segment this week - stay tuned!) This Week in Tornado History With Jen (01:29:30) E-Mail Segment (01:30:30) Sneak peak at future WeatherBrains episodes! (01:41:00) and more! Web Sites from Episode 1066:   Alabama Weather Network Picks of the Week: James Aydelott - Illinois: More tornadoes than Oklahoma, Kansas, Nebraska, and Texas combined, year to date. (225 vs 191) Jen Narramore - Tennessee Valley Weather on X: "Tennessee Valley Weather Adds Weather Balloon Launch Capability to Strengthen Severe Weather Forecasting" Rick Smith - Facts About Derechos Troy Kimmel - IEM Generated Regional Temperature and Precipitation Report Kim Klockow-McClain - Foghorn John Gordon - Dave Throup on X: Shelf Cloud pic at Glastonbury Tor Bill Murray - Out James Spann - SkyeCalm Storm Anxiety App The WeatherBrains crew includes your host, James Spann, plus other notable geeks like Troy Kimmel, Bill Murray, Rick Smith, James Aydelott, Jen Narramore, John Gordon, and Dr. Kim Klockow-McClain. They bring together a wealth of weather knowledge and experience for another fascinating podcast about weather.

This week on Trending in Ed, host Mike Palmer is joined by Trending in Ed all-star Beth Rudden, CEO of Bast AI. From her roots digging in the dirt as an archaeologist to managing a $34 billion division as the Chief Data Officer of IBM Managed Services, Beth brings a deeply grounded, technical perspective to the artificial intelligence conversation. In this wide-ranging and insightful conversation, Mike and Beth skip the typical AI hype to explore what it actually takes to build explainable, trustworthy technology. Beth shares how Bast AI acts as an LLM-agnostic explainability layer—using a unique drinking chocolate analogy to demonstrate how they verify AI data rather than letting models hallucinate plausible narratives. They explore the practical application of using small language models (SLMs) for data enrichment, highlighted by Bast AI's meaningful work with Craig Hospital to translate complex neuro-spine outpatient procedures into accessible languages and analogies. KEY INSIGHTS: • Inverting the Chatbot Approach: Why defining what an AI can talk about is far more effective than building restrictive guardrails. • The Myth of "Human in the Loop": How shifting accountability to overworked humans can become a form of liability laundering. • Microservices vs. Agentic Harnesses: Looking at the risks of natural language agentic systems like Claude Code versus discrete, self-healing tasks. • Cognitive Offloading & Math Education: Why future technical skills should prioritize differential equations and the diversity prediction theorem over simple calculation. • Pattern Recognition vs. Choice: Defining true intelligence through the ability to choose wisely, rather than just matching mathematical patterns. They also cross paths with the Cynefin framework, explain how the human brain conserves energy by only holding two paradoxes at once, and unpack the cultural shifts reshaping modern engineering ethics. Stay ahead of the curve in education and technology! Please like and share this episode with your network, and follow the podcast on Apple Podcasts, Spotify, or your favorite player so you never miss an episode like this one. LINKS: Learn more about Bast AI: https://www.bast.ai Subscribe to Beth's Substack: https://bethrudden.substack.com TIMESTAMPS: 00:00 - Introduction and welcoming Beth Rudden back to the show 01:00 - The drinking chocolate analogy for Explainable AI 03:00 - Beth's lightning-round background: Archaeology to Chief Data Officer at IBM 05:00 - Getting "catfished by AI" and verifying facts with databases 07:00 - Mike on Gemini, RAG applications, and checking AI confabulation 09:00 - Enriched data and Small Language Models (SLMs) at Craig Hospital 12:00 - Epistemic security and inverting conversational technology 14:30 - Liability laundering and the illusion of "human in the loop" 15:30 - Agentic harnesses vs. self-healing microservices 20:00 - Understanding as labor and Conrad Wolfram's three-step math process 22:30 - Future human skills: Differential equations and jelly bean statistics 26:30 - Pattern recognition vs. true intelligence as the ability to choose 29:30 - Neurosymbolic systems and subjectivity in data science 34:30 - Shunting energy: The Cynefin framework and holding paradoxes 38:30 - Healthcare AI scribes and doctor burnout 44:30 - Trust architectures and building tech for the Maintenance Era 47:30 - Cultural devastation and the teleological suspension of ethics 49:00 - Final thoughts and wrapping up with Beth Rudden

“My hope is to put forward a positive vision of what God created our bodies for. Why did God give us bodies?” - Joel BarricklowPlease note that the ideas expressed in this lecture do not necessarily represent the views of L'Abri Fellowship.For more resources, visit the L'Abri Ideas Library at labriideaslibrary.org. The library contains over two thousand lectures and discussions that explore questions about the reality and relevance of Christianity. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit englishlabri.substack.com

Listen in as missionary leaders Samantha G and Julie P share from their 10+ years of field experience on how singles can serve, lead, and thrive on the field, and how married teammates and leaders can foster that.

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Are you trying to sell a service so specialized that closing new clients feels like it can only come from you? What do you think about how AI is reshaping your industry and where that leaves the human at the center of it? Today's featured guest came up through luxury automotive, spent years learning how cultural nuance can derail a campaign that looks perfect on paper, and built a niche precise enough that she can spot from two miles away when someone writing about influencer marketing has never actually run a campaign. In this episode, she'll discuss what makes international influencer work fundamentally different from domestic campaigns and what AI-generated influencers mean for an industry built on human authenticity. Jeanette Okwu is the founder and CEO of Beyond Influence, an influencer marketing agency based in Berlin. Her background spans social media strategy, brand research, and influencer marketing across luxury automotive brands including Jaguar Land Rover and Mercedes-Benz. That global scope became the foundation for her agency's core differentiation: running influencer campaigns that actually account for cultural nuance in each market rather than pushing a headquarters strategy downward and hoping it lands. In this episode, we'll discuss: Building international campaigns understanding regional nuances How to overcome the expert-owner bottleneck problem Can AI influencers replace real ones? Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources This episode is brought to you by Wix Studio: If you're leveling up your team and your client experience, your site builder should keep up too. That's why successful agencies use Wix Studio — built to adapt the way your agency does: AI-powered site mapping, responsive design, flexible workflows, and scalable CMS tools so you spend less on plugins and more on growth. Ready to design faster and smarter? Go to wix.com/studio to get started. Why International Campaigns Break When You Treat Every Market the Same Early in her career, Jeanette managed 24 markets at Jaguar Land Rover, which helped her understand that what works in one country does not translate by default. A TV spot that runs cleanly in Europe cannot air in the Middle East if it shows upper arms or alcohol. A campaign strategy built at headquarters and handed down to regional teams will get implemented, but it will not perform, because every market has cultural specifics that only someone operating inside that market will catch. The agency she built is the direct expression of that knowledge. Beyond Influence does not run German campaigns and call it international work. It builds campaigns from the ground up with an understanding of how audiences in each target market actually consume content and what they expect from the creators they follow. That distinction is hard to replicate without the years of field experience behind it, and it is exactly the kind of institutional knowledge that becomes a real moat when the rest of the market is running generic global strategies. The Sales Bottleneck That Comes With Deep Expertise Jeanette is candid about where she is stuck: sales still runs through her. This is something she has tried to change, but influencer marketing is still a new enough discipline that clients want to hear from someone who demonstrably knows what they are talking about. She frames it as expertise selling and she is probably right that some of it is structural to the space. But she also hears herself in the answer, acknowledging a degree of control that she knows is not fully serving the agency's ability to grow. The necessary shift in cases like this doesn't point toward finding a salesperson who already knows influencer marketing. The real solution will come from finding someone with the right consultative instincts and then giving them the success stories and methodology that let them carry the conversation. Such is the case of Darby, our agency scale specialist, who did not know what an agency was before joining the team. What he had was the ability to listen, qualify, and translate client pain into a path forward. That skill can be trained on the specifics. The instinct behind it cannot. What AI Influencers Actually Mean for the Industry Jeanette knows the question that is currently on every client's mind: will AI-generated influencers replace the real ones? Her answer is more nuanced than the headlines. AI avatars already perform comparably to human creators on certain content types. Brands are building owned avatars that show up on time, never gain weight, never create a scandal, and can post from six locations simultaneously without a travel budget. That part of the market is real and growing. What AI cannot replicate is the reason people follow a creator in the first place. The parasocial relationship that makes influencer marketing work is built on the sense that the person on screen is real and reachable. When a follower knows they will never be able to meet the creator, the connection breaks. That is the line Jeanette draws: AI content can perform well for product exposure, but for the kind of community trust that turns followers into buyers over time, the human at the center still matters. The agencies that understand where that line sits will be the ones helping brands draw it correctly rather than chasing the cost savings of going fully artificial before the audience has stopped caring about the difference. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.

On today's program, the Assemblies of God is disputing liability in abuse cases — claiming local church autonomy shields it from the Daniel Savala sex abuse lawsuits. And, a movement to void nondisclosure agreements in cases of child sexual abuse is gaining ground — on both the local and national levels. The laws limiting NDAs are called Trey's Laws. We'll take a look. Plus, Southwestern Baptist Theological Seminary, has, after years of turmoil, officially regained its accreditation status. But first, Sean Feucht Ministries is fighting back against a lawsuit — and it’s using the First Amendment to do it. It argues a $250,000 lawsuit filed against it should be dismissed because of what’s called the “church autonomy doctrine.” It protects religious institutions from lawsuits that would require courts to wade into matters of faith and doctrine. The producer for today's program is Jeff McIntosh. We get database and other technical support from Stephen DuBarry, Rod Pitzer, and Casey Sudduth. Writers who contributed to today's program include Kim Roberts, Stacey Horton, Marci Seither, Makella Knowles, and Jessica Eturralde. Until next time, may God bless you.  

Send us Fan MailWe talk through mid-year Blue Card updates, why command training is worth paying for, and how regional leaders keep a shared system alive even when departments change chiefs. We also dig into big box fire realities and then break down working-fire radio audio that shows what clear size-up, assignments, and command transfer sound like.• Blue Card as a decision-making and incident organization system rather than a tactics class• Common myths about Blue Card and how bad information spreads• The real cost of training and why “free” is not a plan• Liability exposure tied to weak command training and predictable failure points• Sustaining a command program through leadership commitment and ongoing verification• ARFF program growth, upcoming train-the-trainer dates, and open seats• A regional collaboration model from the Seacoast Chiefs and why standard language matters• Big box and mega warehouse fires, sprinkler limits, FDC considerations, and defensive discipline• Working-fire audio breakdown: initial radio report, 360, patient handling, CAN reports, and command transfer• Timeless tactical truth on forecasting and doing now what saves time laterThe Ladder 11 Shirt is here: https://bshifter.myshopify.com/products/ladder-11-shirtCheck out the Big Box Bulletin here: https://conta.cc/3QpvT8uOrder the 3rd Edition of Fire Command here:https://bshifter.myshopify.com/products/new-fire-command-3rd-editionFor Waldorf University Blue Card credit and discounts:https://www.waldorf.edu/blue-card/For free command and leadership support, visit:https://bshifter.comSign up for the B Shifter Buckslip, our free weekly newsletter:https://lp.constantcontactpages.com/su/fmgs92N/BuckslipShop B Shifter:https://bshifter.myshopify.comThanks for listening! 

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Have you ever sensed that you and your business partner want different things, but neither of you has been willing to say it out loud yet? Today's featured guest bought out his co-founder in 2020. During a pandemic and two months after his first child was born. In this episode, he walks through what that transition actually required, how a black widow client almost derailed the whole thing, why niching into healthcare unlocked a sales clarity he had never had before, and more. Tim Bouchard is the owner and CEO of Luminus, a healthcare marketing agency based in Buffalo, New York, that delivers optimized marketing campaigns that capture the imagination of their audience and successfully convert them to prospects. Tim started the agency in 2010 alongside a co-founder, having come up through web design and digital development. After 10 years in partnership, a difference in vision and personal direction led to a buyout in late 2020, which Tim financed through an SBA loan while managing a new baby, a pandemic, and a client that represented 38% of agency revenue. He is now five and a half years post-buyout, has a core team that has been with him through the transition, and has fully committed Luminus to the healthcare niche. In this episode, we'll discuss: The first order of business post-buyout The black widow client problem Niching down into healthcare Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources E2M Solutions: Today's episode of the Smart Agency Masterclass is sponsored by E2M Solutions, a web design and development agency that has provided white-label services for the past 10 years to agencies all over the world. Check out e2msolutions.com/smartagency and get 10% off for the first three months of service. What Nobody Tells You About the First Six Months After a Buyout Tim's instinct after the papers were signed was that the agency would feel like his within a few months. The vision was clear. What he did not anticipate was that none of the work he actually wanted to do could happen yet. The first order of business was not building toward a new direction. It was stabilizing what already existed. Client relationships had to be managed carefully, particularly with the black widow account that accounted for 38% of monthly billings. The team had to be reassured that the transition was amicable and not a signal that the agency was in trouble. Production gaps left by the departing partner had to be filled through promotion and new hires, all in the middle of COVID hiring conditions, with an SBA loan payment already running. As a result, the feeling that he had actually built the foundation he wanted did not arrive until roughly two and a half years after the buyout closed. The expectation that structural change happens quickly is one of the most expensive assumptions a founder can carry into a transition. The Black Widow Problem and What It Revealed About a year and a half after the buyout, the client representing 38% of Luminus' revenue left. What that exit revealed was that the entire team structure had been built around servicing that client. Two account people for a sub-million-dollar agency made sense when a single client demanded that level of coverage. It made no sense for what the agency actually needed to become. The loss forced a cleaner look at which people, processes, and positions belonged in the agency Tim wanted to build versus the one he had inherited through the transition. Four core team members who had been with him for eight or more years remained. Positions that had been built around the black widow were eliminated. That kind of correction is painful, and it is also necessary. An agency that has never stress-tested its structure tends to discover what does not belong only when something large enough forces the question. What Niching Into Healthcare Actually Unlocked Tim resisted narrowing down for the same reason most agency owners do: it felt like reducing the addressable market and therefore reducing the chance of success. The shift into healthcare happened only after the post-buyout chaos had settled and he could see clearly what the agency was actually good at. The downstream effects were not subtle. Sales conversations became easier because the problem was always the same. Content development became possible because the topics did not change from client to client. The sales message stopped being a generic positioning statement about branding and became something specific enough to open a door: a healthcare practice owner can hear "I might be able to help you with compliance" and immediately understand what is being offered. That kind of entry point does not exist for a generalist agency, because a generalist has no right to claim expertise in any single area. The niche gave Tim something specific to stand on, and that specificity is what allowed Luminus to sell nationally instead of depending on local referrals from Buffalo. Building a Team That Owns Its Own Processes Tim advocates for being transparent with your team as a way to create real ownership of the work. Quarterly financials are shared. Profit sharing is tied to net profit, and the team is updated on that number throughout the year. Client relationship status is visible. When people can see the whole picture, they make better decisions within their own roles without needing to ask. The same principle applies to how SOPs and technology choices get built at Luminus. Tim does not hand down a finished process and tell the team to follow it. He invites the relevant people into the build, acts as a guide and quality check, and then hands ownership back to the team. The process they build is theirs. They understand it because they made it. A process handed down from the founder gets followed when the founder is watching. A process built by the team becomes part of how they work. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.

Bobby and Steve emphasized the importance of the Saints' special teams unit to the team's success in 2026. Bobby praised New Orleans for setting up three joint practice sessions in the preseason. Bobby and Steve listened to Cam Jordan's media availability after the legendary DE signed a one-year extension to return to the Saints for his 16th, and final, NFL season. Bobby projected Cam Jordan's place on the all-time NFL sack list. The guys spoke to a WWL listener about the Pelicans and Chalmette native Mitchell Robinson's championship with the Knicks.

You're probably one of the most caring leaders your team has ever worked for. And that might be the exact thing that's slowly costing you the most.The leaders who struggle most with accountability aren't the cold ones — they're the ones who care the most. And their empathy, the very thing that makes them exceptional to work for, is the exact thing that quietly gets in the way.In this episode, I walk you through exactly how that happens, why it costs everyone (including the person you're trying to help), and what to do instead.What's Covered in This Episode:[1:25] What Empathy Looks Like When It's Working[2:09] When Empathy Becomes a Liability[7:06] My Story: The Enabling Trap[11:42] The Turning Point — Asking Better Questions[16:19] What Clarity Actually Looks Like[17:27] Honest Question for YouAs always, take this information, change your leadership, change your business, change your life.

In this episode of Fraudology, Karisse Hendrick provides a comprehensive debrief following the Merchant Risk Council (MRC) Vegas conference. Karisse shares her highlights and lowlights from one of the industry's biggest events, cutting through the conference hype to provide practical insights for fraud and payments professionals.The conversation explores the evolving mechanics of Agentic AI in commerce, detailing how tools like Sardine are now identifying AI agents by monitoring "invisible" behaviors, such as fields being filled without mouse movement. Karisse provides an inside look at why OpenAI recently shelved its "instant checkout" feature, moving away from being a merchant of record to avoid the liability of chargebacks and complex transaction enablement.We also explore the "hot topics" dominating the fraud landscape today:The VAMP Threshold "Cliff": How Visa is drastically reducing high-risk merchant ratios from 220 basis points to 150 basis points this April, potentially catching many enterprise merchants off guard.The Complexity of Agentic Chargebacks: Real-world examples of "authorized" AI purchases where merchants are losing disputes because card brands like Visa do not yet have established "compelling evidence" protocols for AI agents.The Human Element vs. AI: Why senior fraud leadership cannot be replaced by LLMs, as the critical "domain expertise" required to manage sophisticated fraud is not found in open-source data.Additionally, Karisse dives into the latest FTC fraud statistics, revealing a staggering 430% increase in fraud since 2020. We break down the $375 million jury verdict against Meta in New Mexico, a historic win for child safety that challenges the long-standing "Section 230" liability shield. Finally, we examine a Reuters study uncovering how Meta's ability to block scam ads depends almost entirely on the financial liability they face in specific countries.

The recent Supreme Court decision on broker liability caught many by surprise. Attorney Doug Marcello explains why this unanimous ruling is a game-changer, potentially leading to 'nuclear settlements' and placing freight brokers in the role of "excess insurers" for trucking companies. This means heightened due diligence and compliance are critical now more than ever. ⁠Follow the FreightWaves NOW Podcast⁠ ⁠Other FreightWaves Shows⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Andrew Mayne, Justin Robert Young, and Brian Brushwood explore how new AI video tools are changing filmmaking by making real footage more editable and steerable, letting creators keep human performances while using AI for sets, lighting, costumes, and polish. They compare that shift to earlier changes in digital editing and game engines, then turn to viral robot mishap clips to separate remote-controlled demos from true autonomy and to ask the bigger question of who carries legal and moral responsibility when future robots inevitably cause harm. From there they jump to a possible primordial black hole candidate as evidence related to dark matter, a promising one-time gene therapy approach for cholesterol, and the broader effects of GLP-1 drugs on appetite, addiction, gambling, alcohol use, and the business models built around those habits. They wrap by sharing how tools like Codex are already helping them build websites, automate repetitive tasks, migrate infrastructure, and dramatically cut costs, arguing that AI is most useful right now as a way to remove drudgery and free up more time for actual creative work. Picks: Brian Brushwood: Spider-Noir Justin Robert Young: The Hulk Hogan documentary on Netflix Justin Robert Young: Rocky Balboa

Would you like access to our advanced agency training for FREE? https://www.agencymastery360.com/training Have you ever lost a pitch you were sure you had won on merit? Or if you did win the account, have you ended up with clients that only want to talk to you? Today's featured guest came up through seven years as head of marketing at a lean e-commerce company, where wearing every hat was not optional. In this episode, she talks about how a story about sorting fish as a child became the deciding factor in a competitive pitch, why genuine connection is not a soft skill but a structural advantage, and what happens to your agency when you never learned to let clients connect with your team instead of just with you. Bianca Beatty is the founder of Raven+Co, a full-stack boutique agency based in San Francisco offering everything from events to go-to-market strategy, social media, and brand communications. Before launching the agency in 2018, she spent nearly seven years as head of marketing at the largest online marketplace for antiques and vintage, where she built her foundation in SEO, paid ads, email, product placement, and revenue-driven decision making inside a lean team. She is also a licensed realtor, a fly fisher, and a former child caviar industry worker. In this episode, we'll discuss: The story that won Bianca an account over portfolio The double-edged sword of being the person clients want to talk to You do NOT have to work with everyone Subscribe Apple | Spotify | iHeart Radio Sponsors and Resources This episode is brought to you by Wix Studio: If you're leveling up your team and your client experience, your site builder should keep up too. That's why successful agencies use Wix Studio — built to adapt the way your agency does: AI-powered site mapping, responsive design, flexible workflows, and scalable CMS tools so you spend less on plugins and more on growth. Ready to design faster and smarter? Go to wix.com/studio to get started. A Story Can Win the Room Before the Work Does Bianca walked into a pitch for a caviar client with strong work and solid positioning. She almost did not mention that as a child, she spent a summer on her father's commercial fish house on the water in Florida, separating fish by sex for roe sold to China. She mentioned it. She won the pitch. The client told her afterward that the story, not the portfolio, was the deciding factor. The reason that moment is worth examining is not that personal stories win pitches. It is what the story actually communicated. It showed the client that Bianca understood the product from a level most marketers never will, that she had genuine curiosity about the industry, and that she was someone the client wanted to spend time around. A competitor with equally strong work and no story was indistinguishable. Bianca was not. Proof of capability opens the door. The story is what makes the client hold it open. When Your Personality Becomes the Bottleneck Bianca is honest about the double edge of being the kind of person clients want to talk to for two hours. The connection that wins the pitch is the same connection that makes clients want to route everything through you. Calls that run long, decisions that wait for your availability, relationships that belong to you and not to your agency: these are not signs that you are doing something right. They are early symptoms of a founder dependency problem that compounds as the agency grows. When the founder is most connected person in their agency, they're also the most trapped. Every client relationship that runs through him is a ceiling on how much the business could grow without him. The structural fix is not to become less personable. It is to build a team that is also personable, to hire for the same quality of human warmth and genuine curiosity that wins clients in the first place, and to let those people develop their own relationships. The goal is a team that holds the relationships well enough that the clients stop thinking about whether you are in the room. Picking Clients Before Clients Pick You Bianca is clear on something that most agency founders only learn after absorbing a nightmare client or two: you do not have to work with everyone. Early on, the answer is yes to almost everything because the pipeline is thin and the pressure to cover costs is real. As the agency develops a track record and a clearer sense of its own values, the ability to be selective is not a luxury. It is a structural protection for the team. The version of this that holds up over time is not just about avoiding difficult clients but about actively going after the clients you want, pitching yourself to companies that interest you even when they are not publicly looking, and staying honest about fit before contracts are signed rather than after scope has been blown. When clients align with what the team genuinely cares about, the work is better, the relationships last longer, and the agency does not spend the Monday morning meeting talking about which client made last week miserable. Do You Want to Transform Your Agency from a Liability to an Asset? Looking to dig deeper into your agency's potential? Check out our Agency Blueprint. Designed for agency owners like you, our Agency Blueprint helps you uncover growth opportunities, tackle obstacles, and craft a customized blueprint for your agency's success.

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