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Allen and Joel are joined by Nathan Davies from Lloyd Warwick to discuss the world of wind energy insurance. Topics include market cycles, the risks of insuring larger turbines, how critical spares can reduce downtime and costs, why lightning claims often end up with insurers rather than OEMs, and how AI may transform claims data analysis. Sign up now for Uptime Tech News, our weekly newsletter on all things wind technology. This episode is sponsored by Weather Guard Lightning Tech. Learn more about Weather Guard’s StrikeTape Wind Turbine LPS retrofit. Follow the show on YouTube, Linkedin and visit Weather Guard on the web. And subscribe to Rosemary’s “Engineering with Rosie” YouTube channel here. Have a question we can answer on the show? Email us! Welcome to Uptime Spotlight, shining light on wind. Energy’s brightest innovators. This is the Progress Powering tomorrow. Allen Hall: Nathan, welcome to the program. Thank you for having me. So you are, you’re our link to the insurance world, Nathan, and there’s been so many changes over the past 12, 24 months, uh, not just in the United States but worldwide. Before we get too deep into any one subject, can you just give us a top level like, Hey, this is what’s happening in the insurance world that we need to know. So there’s  Nathan Davies: obviously a lot of scope, a lot of development, um, in the wind world. Um, you know, there’s the race to scale. Um, and from an insurance perspective, I think everybody’s pretty tentative about where that’s going. Um. You know, the, the theory that are we trying to [00:01:00] run before we can walk? Um, what’s gonna happen when these things inevitably go wrong? Uh, and what are the costs gonna be that are associated with that? ’cause, you know, at the moment we are used to, to claims on turbines that are circa five megawatts. But when we start seeing 15 megawatt turbines falling over. Yeah, it’s, it’s not gonna be a good day at the office. So, um, in the insurance world, that’s the big concern. Certainly from a win perspective at least.  Joel Saxum: Well, I think it’s, it’s a valid, uh, I don’t know, valid bad, dream. Valid, valid risk to be worried about. Well, just simply because of like the, the way, uh, so I’ve been following or been a part of the, that side of the industry for a little while here the last five, six years. Um. You’ve seen The insurance world is young in renewables, to be honest with you. Right. Compared to a lot of other places that like say the Lord Lloyd’s market, they’ve been writing insurance for hundreds of years on certain [00:02:00] things that have, like, we kind of know, we know what the risks are. We, and if it develops something new, it’s not crazily new, but renewables and in wind in specific haven’t been around that long. And the early stuff was like, like you said, right? If a one megawatt turbine goes down, like. That sucks. Yeah. For everybody, right? But it’s not the end of the world. We can, we can make this thing happen. You’re talking, you know, you may have a, you know, your million, million and a half dollars here, $2 million here for a complete failure. And then the business interruption costs as a, you know, with a one megawatt producing machine isn’t, again, it’s not awesome, but it’s not like it, uh, it doesn’t break the books. Right. But then when we’re talking 3, 4, 5, 6. Seven megawatts. We just saw Siemens cesa sell the first of their seven megawatt onshore platforms the other day. Um, that is kind of changing the game and heightening the risk and makes things a little bit more worrisome, especially in light of, I mean, as we scaled just the last five, [00:03:00] 10 years, the amount of. Failures that have been happening. So if you look at that and you start expanding it, that, that, that hockey stick starts to grow. Nathan Davies: Yeah, yeah, of course. And you know, we, we all know that these things sort of happen in cycles, right? It’s, you go, I mean, in, in the insurance world, we go through soft markets. We go through hard markets, um, you know, deductibles come up, the, the clauses, the restrictions, all those things get tighter. Claims reduce. Um, and then you get sort of disruptors come into the market and they start bringing in, you know, challenging rates and they start challenging the big players on deductibles and preferential rates and stuff like that. And, and then you get a softening of the market, um, and then you start seeing the claims around up again. But when you twin that with the rate of development that we see in the renewables worlds, it’s, it’s fraught for all sorts of. Weird and wonderful things happening, and most of them are quite expensive.  Joel Saxum: Where in that cycle are we, in [00:04:00] your opinion right now? So we, like when I first came into the market and I started dealing with insurance, it was very, we kept hearing hardening, market hardening, market hardening market. But not too long ago, I heard from someone else that was like, Hey, the market’s actually getting kind of soft right now. What are your thoughts on that? And, and or may, and maybe we let, let’s precursor that there’s a lot of people that are listening right now that don’t know the difference. What is a hard market? What is a soft market? Can you give us that first?  Nathan Davies: When you’re going through a soft market, it’s, it’s a period where they’ve either been, um, a limited volume of claims or the claim values have been quite small. Um, so, you know, everybody gets. It’s almost like becoming complacent with it, right? It’s like, oh, you know, things are going pretty well. We’re having it. It looks like the operators, it looks like the maintainers are, are doing a pretty good job and they know all of the issues that are gonna be working through in the lifetime of these products. So for the next however many years, we can anticipate that things are gonna gonna go pretty well. But as you see those [00:05:00] deductibles come down, you start getting more of the attritional claims, like the smaller values, um, the smaller downtime periods, all that sort of thing, start coming in as claims. And all of a sudden insurers are like, well, hang on a second. All of a sudden we’ve got loads and loads of claims coming in. Um. All of the premium that we were taking as being bled dry by, by these, these attritional claim. Um, and then you get like a big claim coming. You get a major issue come through, whether it’s, you know, a, a serial issue with a gearbox or a generator or a specific blade manufacturer, and all of a sudden the market starts to change. Um, and insurers are like, well, hang on a second. We’ve got a major problem on our hands here. We’re starting to see more of this, this specific piece of technology being rolled out, um, worldwide. Um, we are in for a lot of potential claims on this specific matter in the future, and therefore we need to protect ourselves. And the way that insurers do that is by [00:06:00] increasing or deductibles, um, increasing their premiums, all that sort of thing. So it’s basically that. Uh, raises the threshold at which a claim can be presented and therefore minimizes the, the outlay for insurers. So that’s sort of this, this cycle that we see. Um, I mean, I can’t, I’ve, I’ve only been in loss adjusting for six years, so I can’t say that I’ve seen, you know, um, multiple cycles. I’ve, I’m probably at the end of my first cycle from a hardening to a softening market. Um. But also, again, I’m not in the underwriting side of things. I’m on the claims side of things, so I own, I’m only seeing it when it’s gone wrong. I don’t know about everything else that the insurance market sees.  Joel Saxum: Yeah, the, the softening part, I think as well from a macro perspective, when there’s a softening market, it tends to bring in more capital. Right. You start to see more, more and more companies coming in saying, Hey, I’ve got, [00:07:00] and when I say companies, I mean other capital holders to beat for insurance, right? Like these, the big ones you see, the big Swiss and German guys come in and going, like, I got, I got $500 million I’ll throw into renewables. It seems like to be a good, pretty good bet right now. And then the market starts to change and then they go, uh, oops. Yeah.  Nathan Davies: And that’s it. You know, you’ve got the, the StoreWatch of the renewable insurance market like your G cubes and, and companies like that who’ve been in the game for a very long time. They’ve got a lot of experience. They’ve been burned. Um, they know what they want to touch and what they don’t want to touch. And then you get. Renewables, everybody wants to be involved. It covers their ESG targets. It’s, it’s a good look to move away from, you know, your, your oil and your coal and all the rest of it. So, of course, companies are gonna come into it. Um, and if they’re not experienced.  Allen Hall: They will get banned. How much reliance do operators have at the moment on insurance? Because it does seem like, uh, Joel and I talk [00:08:00]to a lot of operators that insurance is part of their annual revenue. They depend upon getting paid a certain amount, which then opens up the door to how sort of nitpicky I’ll describe it as the claim. They’ll file. Are you seeing more and more of that as, uh, some of the operators are struggling for cash flow, that there are going after more kind of questionable claims? Um, I think it depends on  Nathan Davies: the size of the operator. So you’ve, you’ve obviously got your, your big players, you’ve got your alls and your rws and all of those sort of guys who, the way that they manage their insurance, they’ve probably got, you know, special purpose vehicles. They’ve got, um, sites or clusters of sites that they manage finances independently. They don’t just have the one big or pot. It’s, it’s, it’s managed sort of subdivisions. Um. Those, those guys, we don’t typically tend to see like a big push for a [00:09:00] payment on account partway through a claim. It’s, it’s typically sort of the smaller end of the scale where you might have, um, an operator that manages a handful of smaller, um, assets. The way that we look at it is if you don’t ask, you don’t get, so when we talk to an insured, it’s like. Present your costs, you know, we’ll review them and it’s, it’s better that you present all of your costs and insurers turn around and say, you’re not eligible for this. You know, that that element of it will be adjusted, um, rather than not present something. And it’s like, well, you know, your, your broker then comes further down the line when they say you could have claimed that element of, of the cost. So, um. Typically that’s the approach that we take is, is present everything and we’ll work through and let you know which elements aren’t claimable.  Joel Saxum: When we’re talking insurance policies, there can be, you know, like an operator, an owner of a turbine asset can have them. Then there is construction policies and [00:10:00] there’s the EPC company might have a policy and ISP may have a policy. So, so many policies because at the end of the day, everybody’s trying to protect themselves. Like, we’re trying to protect the bottom line. Tr that’s what insurance us for, that’s why we’re here. Um, but so, so, so, so gimme a couple things. Like in your opinion as, let’s look, well, I wanna stay in the operator camp right now, say, during a non non-commission policy, a actual operating policy, wind farm is in the ground, we’re moving along. What are some of the things that, from an, from a loss adjuster’s perspective, that a operator should be doing to protect themselves? I mean, besides. Signing an insurance contract. Yes. But is it, is it good record keeping? Is it having spares on site? Is it, what does that look like from your perspective when you walk into something,  Nathan Davies: if you were to take the insurer’s dream operator, that would be somebody who, and you, you’ve kind of hit the nail on the head with a lot of those points, Joel, the, the. The golden [00:11:00] operator would have like a stash of critical spares because the last thing they want to be relying on is, um, an OEM who, you know, they, they’ve, they’ve stopped manufacturing that bit of kit three years ago. They now want to sell you the latest and greatest. It’s 18 months lead time or something like that. Oh yeah, absolutely. And so you are now having to look at potentially refurbishment through. Whether that’s through sort of approved, um, processes or not. Um, you might be looking at, um, sort of, um, aftermarket providers. You know, there, there’s, as soon as you are looking at an aged asset, you are, you are in a really complicated position in terms of your repairability. Um, because, you know, a as we know, you get to sort of that three, five year period after you’ve purchased the product, you’re in real jeopardy of whether or not it’s gonna be. Gonna have that continued support from the original equipment manufacturer. So [00:12:00] critical spares is a really good thing to, it’s, it’s just obviously a really good thing to have. Um, and how you can manage that as well is if you have, um, a customer of sites that are all using the, the same equipment, you could sort of share that between you. There, there could be. Um, so we, we’ve sinned that where, um. An umbrella company has multiple sites, multiple SPVs. Um, they were all constructed at the same sort of time. They’ve got the same transformers, you know, the same switchgear, same infrastructure, and they hold a set of spares that cover these, all these sites. ’cause the last thing you want to do is buy a load of individual components for one site. You are then paying to maintain them, to store them to, you know, there’s, there’s a lot of costs that come with. Along with that, that you, you don’t wanna be covering. If that’s just for the one site and it’s the [00:13:00] eventualities, that may never happen. So if you’ve got multiple sites and you can spread those costs, all of a sudden it’s a lot more, um. Could  Joel Saxum: you see a reality where insurers did that? Right? Where like a, like a, like a consortium of insurance companies gets together and buys, uh, half a dozen sets of blades and generators and stuff that they know are failures that come up, or they have a pool to pull from themselves to, to avoid these massive bi claims. Nathan Davies: Yeah. I mean maybe there’s, maybe there’s the potential for a renewables pool. I mean, it’s always. Complicated. As soon as you start trying to bring sort of multiple companies together with an agreement of that sort of scale, it’s gonna be challenging. But, um, I mean, yeah, in an ideal world, that would be be a great place to be. Um, so critical spares is, that’s, that’s a key thing we, we have seen. So we, we’ve got, um, one account that we work with that they’ve actually got a warehouse full of critical spares. [00:14:00] So they, they have a lot of, um, older turbine models, um, sort of typically, um, 2015 through to, well, yeah, from about 2012 to 2015. Um, these sites were commissioned so they knew there was a, a finite lifetime, uh, replacement blades, generators, gear, boxes, what have you, and it’s like we’ve. A huge number of assets. So what we should do is retain certainly a number of gearboxes and generators that you, we can utilize across, um, the fleet. And obviously they then keep a rolling stock of refurbishment and repairs on those. But they, they basically included in their, their premium spreadsheet, they’ve got all of their individual sites. Then they’ve got a warehouse that is full of all their spares, and that is an inuring asset, is their warehouse full of critical spares. Joel Saxum: So what  Nathan Davies: happens to  Joel Saxum: that  Nathan Davies: person then? Does  Joel Saxum: their premiums go [00:15:00] down? Because they have those spares, they’ve got really low deductibles on their bi. So there’s a business case for it probably, right? Like if you’re sitting there, if you’re, if you’re, you’re an accountant, you can figure that out and say like, if we hold these spares for this fleet, like if you’re, if you’re a fleet, if you have a homogenous fleet, say you’ve got a thousand turbines that are basically all the same model. W you should have centrally located amongst those wind farms, a couple of blade sets, a couple of generators, couple of pitch bearings, couple of this, couple of that. And you can use them operationally if you need to, but it’s there as spares, uh, for insurance cases. ’cause you’ll be able to re reduce your insurance premiums or your insurance deductibles. Allen Hall: That’s remarkable. I don’t know a lot of operators in, at least in the United States that have done that, I’m thinking more of like Australia where it’s hard to get. Parts, uh, you, you probably do have a little bit of a warehouse situation. That’s really interesting because I, I know a lot of operators are thinking about trying to reduce their premiums and simple things like that would, I would imagine it make a huge difference [00:16:00] in what they’re paying each year and that that’s a smart move. I, I wanna ask about the IEC and the role of certification in premiums. What does it mean and how do you look at it as an industry? Uh, one of the things that’s happening right now is there’s a number of, I think some of the major IEC documents in, in our world, in the lightning world are going through revision. Does that, how do, how do you assess that risk that the IEC specs or the sort of the gold standard and you have the certification bodies that are using them to show that the turbines are fit for purpose. Is there a reliance upon them? Does, does it help reduce premiums if there’s an I-E-C-I-I, I’m not even sure how the industry, the insurance industry looks at it. Or is it more of how the turbines perform in the first year or two, is how, what’s gonna really gonna drive the premium numbers? I mean, insofar as  Nathan Davies: I eecs, it’s, that’s a really tough question. It’s, it’s [00:17:00]interesting that you ask that. ’cause um, I mean certainly from the lightning perspective, the, the IEC. We look at on that the blades need to withstand a lightning strike of a known value, but even within that, they, within the IEC, there’s an allowance of like 2%, I think, um, for blade strikes that can still cause damage even if they’re within the rate of capacity of the LPS. Um, so in the insurance world, this is a big gray area because each, um, operator has a, a turbine, uh, has a blade failure because of a lightning strike. They’ll then immediately go to the OEM and say, um, you know, we’ve had had a lightning strike, we’ve had a blade failure. Can you come and repair or replace the blade? Sure, no bother. Um, down the line, we have an insurance claim for this repair or replacement. And insurers are like, well, what’s the lightning data? And if that’s within the [00:18:00] LPS standard, it’s like, well, why have. Why is this not covered under warranty? And, you know, you, your OEMs will always turn around and say, force majeure. Um, it’s, it’s that 2%. So the IEC, even though that’s, you know, it’s, it’s best standards, it still has a degree of allowance that, um, the OEMs can slip through and be like, well this, this falls with insurance. And again, I can only speak for what I’ve seen, but that is. We see, I’d say, um, Lloyd Warwick, we probably see 50 plus notifications a year for blade damage from lightning and, um, almost every time if it’s within the capabilities of the LPX, the OEM or say towards majeure and Atlanta with insurers. Allen Hall: Well, is there a force majeure for gearboxes or generators or transformers? [00:19:00] Is, is there a 2% rule for transformers? I don’t, I don’t think so. Maybe there is, but it is, it, it is a little odd, right, that, that there’s so many things that are happening in the insurance world that rely upon the certification of the turbine and the sort of the expected rates of failure. I have not seen an operator go back and say, we have a 3% rate of, of damage of my transformers, so therefore I wanna file a claim. But that, that doesn’t seem to occur nearly as often as on the lightning side where it’s force majeure is used probably daily, worldwide. How do we think about that? How do we, how do we think about the transformer that fails versus the lightning damage? Are they just considered just two separate things and uncontrollable? Is that how the insurance industry looks at it? If we, if we would  Nathan Davies: talk about transformers. So the fact is that we see on those can vary from, you know, it’s, it’s a minor electrical component that that goes, um, [00:20:00] which is relatively easy to pin down. But then at the other end of the spectrum, you’ve got a fire where it’s. You know, with all, all the will in the world, you could go in and investigate, but you’re not gonna find the cause of that fire. Um, you know, the damage is so great that you, you could probably say, well, the ignition point is there because that’s where the most damages occurred and it’s spread out. But, but how is that occurred? The know, and we, we do have that, that happens not frequently, but um. You know, as an engineer, I, I want to get to the bottom of what’s caused things, but, but all too often we come away from a claim where it’s like we don’t know exactly what’s caused it, but we can’t confirm that it’s excluded in the policy and therefore it, it must be covered and, you know, the claim is valid. Um, so in, in terms of causation and the standards and all the rest of it.  Joel Saxum: It goes to an extent. So this is a, this is another [00:21:00] one. So Alan was talking about lightning and blades. Then we talked about transformers a little bit. I wanna talk about gear boxes for just a second, because gearbox usually, um, in, in my, my experience in, in the wind world, claims wise, it’s pretty black and white. Was it, did it, did it fail? This is how it failed. Okay. Blah, blah, blah. Did was maintenance done at blah? So I heard the other day from someone who was talking about, uh, using CMS. On their, on their gener, on their, uh, gearbox, sorry. So it was an operator said, Hey, we should be, and, and a company coming to them saying, well, you should be monitoring CMS. This is all the good things it can do for you operationally. And the operator, the owner of the turbine said, I don’t want it, because if I know there’s something wrong, then I can’t claim it on insurance if it fails. Does that ring  Nathan Davies: true to you? Part of our process would be to look at the data. Um, so we know nine times out of 10 there is condition [00:22:00] monitoring, there is start out there, there, all this stuff. The operator, um, assistance tools, and if we can look at a gearbox vibration trend. Um, along with, you know, bearing temperature, uh, monitoring and all that sort of thing. And if you can see a trend where the vibrations are increasing, the temperatures are increasing, um, and there’s no operator maintain maintenance intervention, then, you know, if, if you, if you’ve received an alarm to say, Hey, there’s something wrong with me, you should probably come and have a look and you’ve done nothing about it, then. It’s,  Joel Saxum: it’s not great. Okay. So, so that, so that it rings, it kind of in a sense, rings true, right? That what that operator was saying, like the way their mind was working at that stage. ’cause this is, this is during, again, like, so we, Alan and I from the uptime network and just who we are, like we know a ton of people, we know [00:23:00] solutions that are being sold and, and this her about this. And I was like, man, that seems like really shortsighted, but there’s a reality to it that kind of makes sense, right? If they don’t have. I, it, it just seems unethical, right? It seems like if I don’t have the budget to fix this and I don’t wanna look at it, so I’m just waiting for it to fail. I don’t want the notifications so then I can claim it on insurance. ’cause I don’t wanna spend the money to go fix it. Like, seems, seems not cool.  Nathan Davies: Yeah. So the, I mean the, the process, the process of the insurance claim, if, if you want to look at it in almost an over simplistic way, um, a claim is notified. Um, to trigger an operational policy, there needs to be proof of damage, right? So in this instance, your gearbox has failed, whether that’s gear, teeth have have been pulled off, you’ve had a major bearing failure, whatever it is. So there’s your damage. So insurers are now [00:24:00] engaged. Um, the rules of the game. It’s now on insurers to prove that whatever has caused that damage is an exclusion. So in this instance, um, you know, that might be wear and tear, gradual deterioration, uh, could be rust. Um, and, and part of that is poor workmanship. Um, so if they have knowingly like. Cover their shut, their eyes covered, their ears just ignored this gearbox slowly crunching its way to, its, its inevitable death. You know, it, it’s not reasonably unforeseen. It’s not an unpredictable event. This was going to happen if you can see that, that trend, um, towards the failure, um, and in that light, it would, in theory be an uninsured event. Um, but [00:25:00] we know that. 90 plus percent of owner operators have, at least on their drive train, they have some sort of condition monitoring, whether that’s, you know, temperature sensors, vibration sensors, uh, noise sensors, you know, all that sort of stuff. We know that it’s there, but what’s really interesting in the claims process is. The first thing that we’ll ask is, where’s your proof of damage? Let’s see your alarm data, your scarda data, all this sort of thing.  Joel Saxum: Does the RFI get responded to?  Nathan Davies: Yeah, yeah, yeah. Um, and it’s like, oh no, we, you know, we don’t have the SCARDA data. And we’ve had instances where a company, a company had turned around and said, oh, we don’t have any SCARDA data for the time of this event. It’s like, oh, that’s interesting. And worked our way through the process. And eventually insurers were like, you know what? We’re, we’re gonna deny this one. We’re not. Things aren’t adding up, we are not happy with it. Um, and all of a sudden out the woodwork, we get scar data, we get the, the insured’s, um, failure report, [00:26:00] which I mean, there was computational flow dynamics. There were, there were like all sorts of weird and wonderful data that had been thrown into the, this failure analysis. And it’s like, well, you’ve done our jobs for us. Why did you not just hand this over at the beginning? We know that this stuff exists, so. Just, just playing, playing dumb itch. It’s just a frustration really.  Allen Hall: It does seem like the operators think of loss adjustment in insurance companies as having a warehouse full of actuaries with mechanical calculators and they’re back there punching numbers in and doing these calculations on. I lost this gearbox from this manufacturer at, at this timeframe, and, and I understand all this data. That’s not how it works, but I do think there’s this, uh, assumption that that. Uh, there’s a in wind energy that because of the scale of it, there’s a lot of, of backend research that’s happening. I, I don’t think that’s true, or, I mean, you can tell me if it’s true or not, [00:27:00] but I don’t think so. But now, in the world of AI where I can start to accumulate large sets of data and I have the ability to process it with just a single person sitting in front of a laptop, is it gonna get a little harder for some of these claims that have Mercury, just really shady histories to get? Approved.  Nathan Davies: I, I think that’s inevitable. You know, whenever we go and speak to an insurer, you know, insurers are always interested, are interested in what’s the latest claims data, what are the trends that we’re seeing, all this sort of thing. So we’ll sit down with them for an hour and a half and we’ll say, oh, this was interesting. This is what went well, this is what didn’t go so well. And then they always sort of grab us just as we’re about to leave and we’ve, we’ve said our goodbyes, and they’re like, so you guys have a. Claims database. Right? Every time. Yep. And it’s like, how’d you feel about, about sharing your data? And it’s, it’s every insurer without failure. They’re like, let’s see your claims [00:28:00] database. Okay. Right. So we can share, we can share some information. Obviously it needs to be sanitized. We don’t want to provide identifying information, all that sort of stuff. You’re looking at thousands and thousands of lines of data. And the big problem that we have with any database like this is, it’s only as good as the data that’s been entered, right? So if, if every claims handler, if every loss adjuster is entering their own data into this database, my interpretation of, of a root cause failure, maybe different to somebody else’s. So what we are gonna start seeing in the next year to three years. Is the application of AI to these databases, to to sort of finesse the poor quality data that’s been entered by multiple, you know, it’s, it’s too many cooks. Spoiled broth. All of these people have entered their own interpretation of data, will start to see AI finesse [00:29:00] that, and all of a sudden the output of it will be. Really, really powerful, much better risk models. Yeah. And I think that’s, that’s inevitable in the next two to five years. Um, and I think insurers will, but again, the, we go back to the cyclic thing. So the, the data that we have is the claims that we’ve had over the past however many years, but all the while that the OEMs are manufacturing. New gearboxes, new generators, new blades. We don’t know about the problems that are gonna come out the woodwork. We can tell you about failures that might happen on aged assets, but we can’t tell you about what’s gonna fail in the future. Allen Hall: Well, is there an appetite to do what the automobile world is doing on the automobile insurance? Have basically a plugin to monitor how the driver is doing the State Farm drive safe and [00:30:00] save. Yeah. Your little black box is, is that where eventually this all goes? Is that every turbine’s gonna have a little black box for the insurance company to monitor the asset on some large scale, but then that allows you then to basically to assess properly what the rates should be based on the actual. Data coming from the actual turbines so that you, you can get a better view of what’s happening.  Nathan Davies: I mean, it’s challenging because obviously you can only get so much from, from that monitoring data. So arguably that’s, that’s like the scarda data. But then there’s, there’s the multiple other inputs that we’re looking at. I’d say the vast majority of claims come from some form of human intervention. And how do you record that? Human intervention.  Allen Hall: Right? You, it’s like getting an oil change in your car. If the guy forgets to put the oil plug in. Pretty much you’re, you’re gonna get a mount down the road and engine’s gone. [00:31:00] And that’s, that may be the, that may be ultimately where this all goes. Is that a lot of it’s just human error.  Nathan Davies: Yeah. It’s, you know, we, we can take the, the operating data, you can start to finesse maintenance reports and, and try to plug that into this data stream. But you can guarantee, like you can absolutely bet your bottom dollar, but when there’s an insurance claim and it’s like. That one key document that you need that will answer that question, nobody knows  Allen Hall: where it is. This has been a great discussion and Nathan, we need to have you back on because you provide such great insights as to what’s happening in the insurance world and and the broader wind energy world and. That’s where I like talking to you so much. Nathan, how do people get a hold of you? Can they reach you via LinkedIn?  Nathan Davies: Yeah, I’m on LinkedIn. Um, you can also find me, um, on the Lloyd Warwick website. Sounds great.  Allen Hall: Nathan, thank you so much for being on  Nathan Davies: the podcast. Right. Appreciate it. Thank you so much [00:32:00] guys.

Hunter Strickler is President of LPX Group, which includes well-established heavy construction brands like Louisville Paving Company. After 75 years of business, Hunter talks about his journey in taking over the reins and leading the business into the next generation. To learn more about LPX, visit their website here: https://loupaving.com/ Learn more about attending the 2025 Ariat Dirt World Summit by visiting www.dirtworld.com! Questions or feedback? Email us at dirttalk@buildwitt.com!

Encore une super-héroïne aujourd'hui mais cette fois on part dans un tout nouvel univers : aujourd'hui on parle d'Atome Eve de Invincible ! On discute de la Eve de la série et celle du comics, de ses pouvoirs incroyables, de son costume qu'on comprend pas, de storylines intéressantes et prometteuses, et d'autres moins convaincantes qui nous questionnent sur certains tropes. Aussi, on se pose la question de qui est vraiment invincible dans cette histoire au final ? Merci à Jayhan (@JayhanOfficial) pour les super intro et outro ! Tu peux nous suivre sur tous les réseaux : @codexespod et nous laisser une note et un commentaire sympa si tu veux. Force et amour. Ressources : - Get Gone de Deap Vally, morceau de la BO d'Invincible joué pendant l'épisode. - Might Not Make It Home de LPX, morceau de la BO d'Invincible joué à la fin de l'épisode.

S&P Futures are higher this morning with the focus on today's presidential election. While there will be elevated political commentary throughout the day, earnings and economic news will be a source of volatility. Boeings machinist union agrees to end strike. EU investigators conducted searches of NFLX offices due to a tax fraud investigation. APO, HIMS, LPX, PLTR & RACE all delivered earnings beats. MPC announced a $5B share buyback. In Europe, markets remain cautiously higher with commodity related stocks trading higher. Oil prices are higher due to positive economic data out of China.

S&P Futures are positive as global sentiment turns bullish after positive comments from a BOJ official. The BOJ official essential said that no immediate tighten action should be expected, the will reduce the market volatility caused by the carry trades. Seeing Positive earnings announcements for DIS, LPX & LRN. ABNB and SMCI were underwhelming. Markets could see another bout of volatility later this month with the Jackson Hole conference set to take place. In Europe, stocks are higher and oil prices are displaying strong gains.

What are the risks of investing in Private Equity? How much time should an investor have to invest and what returns can investors expect? These questions will be answerd by Dr. Michel Degosciu from LPX – Listed Alternative Investments in today's expert interview with Matthias Müller, Chief Commercial Officer at BX Swiss. The other videos of this 4 part series can be found here: ► https://bxplus.ch/bx-boersen-tv/#privateequity

What is Listed Private Equity? Which companies get listed and where do Listed Private Equity companies invest in? These questions will be answerd by Dr. Michel Degosciu from LPX – Listed Alternative Investments in today's expert interview with Matthias Müller, Chief Commercial Officer at BX Swiss. The other videos of this 4 part series can be found here: ► https://bxplus.ch/bx-boersen-tv/#privateequity

Why invest in Private Equity? How can you invest in Private Equity and how are the investment possibilities structured. These questions will be answerd by Dr. Michel Degosciu from LPX – Listed Alternative Investments in today's expert interview with Matthias Müller, Chief Commercial Officer at BX Swiss. The other videos of this 4 part series can be found here: ► https://bxplus.ch/bx-boersen-tv/#privateequity

LPX is a Swiss army knife of art, wild color, and enthusiastic, deeply-refreshing conversations. If you could bottle up some of what she's got, you'd have the secret formula to creating joy. As for the nuts and bolts, this shenius co-founded the hypercool record label Neon Gold with her friend Derek Davies and has starred in (at least) two bands I love, MS MR and now as LPX. In this chat we talk about the time Christine and the Queens opened for her, what being an “aggressive colorist” vintage junkie is, the power of language, and then she coins the phrase "global charm bracelet” in relationship to her wardrobe. Instagram: https://www.instagram.com/lpx/Dwell on her apartment: https://www.dwell.com/article/rental-revamp-lizzy-plapinger-lpx-neon-gold-ms-mr-pantone-palace-7ee6654a-f8b39d0c-87cc59a0 Spotify: https://open.spotify.com/artist/7xmK7SfecrmjqsiIoSa1uf?si=3YHG3bExQbeU-oOQxNvzbw Apple Music: https://music.apple.com/us/artist/lpx/1199131873 Join us on Patreon: patreon.com/parisundergroundradio Find Us OnlineWebsite: https://www.parisundergroundradio.com/mollieonatrip-musicaroundparisFacebook: https://www.facebook.com/parisundergroundradioInstagram: https://www.instagram.com/parisundergroundradio/Credits Host: Mollie Lehman. @mollieonatrip; @molliemogoProducer: Jennifer Geraghty. @jennyphoria; Website: http://jennyphoria.comMusic CreditsGlamor, by AShamaluevMusic; www.ashamaluevmusic.com About Us Music industry expat Mollie Lehman has moved to Paris and taken her love of music with her! Each episode, Mollie sits down with local French artists or touring musicians from all over the world to talk about what's going on in their careers and what inspires them. Get insights on what these musicians love most about Paris, from their favorite haunts to places to play live, as well what new music and tours are in the works.

In this video, we'll perform a LPX stock analysis and figure out what the company looks like based on the numbers. Louisiana-Pacific Corporation is one of the only company that Warren Buffett's Berkshire Hathaway invested in during Q4 2022. We'll also try to figure out what a reasonable fair intrinsic value is for Louisiana-Pacific Corporation. And answer is Louisiana-Pacific one of the best stocks to buy at the current price? Find out in the video above! Global Value's Louisiana-Pacific Corporation stock analysis. Check out Seeking Alpha Premium and score an annual plan for just $119. Plus all funds from affiliate referrals go directly towards supporting the channel! Affiliate link - https://www.sahg6dtr.com/H4BHRJ/R74QP/ Louisiana-Pacific Corporation ($LPX) | Louisiana-Pacific Corporation Stock Value Analysis | Louisiana-Pacific Corporation Stock Dividend Analysis | LPX Dividend Analysis | $LPX Dividend Analysis | Louisiana-Pacific Corporation Intrinsic Value | LPX Intrinsic Value | $LPX Intrinsic Value | Louisiana-Pacific Intrinsic Value | Louisiana-Pacific Corporation Discounted Cash Flow Model | Louisiana-Pacific Corporation DCF Analysis | LPX Discounted Cash Flow Analysis | LPX DCF Model #LPX #LPXstock #stockmarket #dividend #stocks #investing #valueinvesting (Recorded February 18, 2023) ❖ MUSIC ❖ ♪ "Lift" Artist: Andy Hu License: Creative Commons Attribution 3.0. ➢ http://creativecommons.org/licenses/b... ➢ https://www.youtube.com/watch?v=sQCuf...

Today on the Ether we have the Evmos community call. You'll hear from federico.evmos, SpaceFi, Orbital Apes, LPX, and more! Recorded on February 28th 2023. If you enjoy the music at the end of the episodes, you can find the albums streaming on Spotify, and the rest of your favorite streaming platforms. Check out Project Survival, Virus Diaries, and Plan B wherever you get your music. Thank you to everyone in the community who supports TerraSpaces.

Despite the market sell-off, there were few stock buys by the Oracle of Omaha late last year. Why? (0:15) - What Can We Learn From Berkshire Hathaways 13F? (4:30) - Breaking Down Q4 Sells and Growing Positions: How Did They Perform? (15:50) - What Was Berkshire Hathaway Buying With Their Cash Reserves? (20:35) - Episode Roundup: TSM, USB, BK, BAC, CVX, AAPL, LPX, PARA

Despite the market sell-off, there were few stock buys by the Oracle of Omaha late last year. Why? (0:15) - What Can We Learn From Berkshire Hathaways 13F? (4:30) - Breaking Down Q4 Sells and Growing Positions: How Did They Perform? (15:50) - What Was Berkshire Hathaway Buying With Their Cash Reserves? (20:35) - Episode Roundup: TSM, USB, BK, BAC, CVX, AAPL, LPX, PARA Podcast@Zacks.com

Was ist eigentlich Listed Private Equity? Und wie hat sich die Anlageklasse im vergangenen Jahr entwickelt? Diese Fragen beantwortet Dr. Michel Degosciu, Managing Director bei LPX Group – Listed Alternative Investments, im Experteninterview mit David Kunz, COO der BX Swiss AG.

LPX, Skydxddy, Metallica, Rockstead, Taiei Houston, Peach tree rascals, SZA, Electric guest, Carly Rae, 

Warren Buffett continues to add new stocks to Berkshire's equity portfolio as stocks remain on sale. (0:30) - Value Investing On The Rise: Is It Warren Buffett's Time To Shine? (6:45) - Breaking Down Berkshire Hathaway's Current Performance: What Are They Buying? (24:00) - Episode Roundup: BRK-B, TSM, LPX, CVX, CE, RH, ALLY, SHW, UNP Podcast@Zacks.com

Warren Buffett continues to add new stocks to Berkshire's equity portfolio as stocks remain on sale. (0:30) - Value Investing On The Rise: Is It Warren Buffett's Time To Shine? (6:45) - Breaking Down Berkshire Hathaway's Current Performance: What Are They Buying? (24:00) - Episode Roundup: BRK-B, TSM, LPX, CVX, CE, RH, ALLY, SHW, UNP Podcast@Zacks.com

HOST: MARK LONGO, THE OPTIONS INSIDER MEDIA GROUP CO-HOST: MIKE TOSAW, ST. CHARLES WEALTH MANAGEMENT CO-HOST: ANDREW GIOVINAZZI, THE OPTION PIT IN THIS EPISODE MARK, UNCLE MIKE, AND THE ROCK LOBSTER BREAK DOWN: THE LATEST IN THE OPTIONS MARKETS MOST ACTIVE EQUITY OPTIONS TODAY INCLUDING MSFT, PLTR UNUSUAL OPTIONS ACTIVITY IN TREX, LPX, CRON THE GARBAGE PUT SPREAD AND HOW TO SELL IT IN THIS MARKETPLACE WHAT'S ON OUR RADAR FOR THE REST OF THE WEEK AND MUCH MORE

HOST: MARK LONGO, THE OPTIONS INSIDER MEDIA GROUP CO-HOST: MIKE TOSAW, ST. CHARLES WEALTH MANAGEMENT CO-HOST: ANDREW GIOVINAZZI, THE OPTION PIT IN THIS EPISODE MARK, UNCLE MIKE, AND THE ROCK LOBSTER BREAK DOWN: THE LATEST IN THE OPTIONS MARKETS MOST ACTIVE EQUITY OPTIONS TODAY INCLUDING MSFT, PLTR UNUSUAL OPTIONS ACTIVITY IN TREX, LPX, CRON THE GARBAGE PUT SPREAD AND HOW TO SELL IT IN THIS MARKETPLACE WHAT'S ON OUR RADAR FOR THE REST OF THE WEEK AND MUCH MORE

Following the last episode about Yersinia species, on this episode I go over Y. pestis. Why is there concern about encountering Y. pestis in the laboratory? What do you do if you encounter potential bioterror agents? How does the laboratory handle those? As laboratories we are trained on how to recognize, test, handle, and ship these organisms. Tune in to this episode to learn about terms like Laboratory Response Network and the proficiency testing called LPX.

Are you sure you're executing the right strategies, or are you willing to learn more? It's never too late to start diving in and grow your business! In this episode, Robert Levy, founding partner of LPX investments, shares his knowledge on real estate investing, specifically in retail. Robert has been in real estate for 30 plus years. He got a job with a local real estate consulting firm straight out of college and then became an investment banker and a stock analyst. Robert has been involved in many areas of real estate including asset management, finance, multifamily, retail, and hotels - this experience gives him an advantage when determining where to allocate capital. Tune in and find out more! To see the full show notes and transcript, click here. Our sponsor, Tribevest provides the easiest way to form, fund, and manage your Investor Tribe with people you know, like, and trust. Tribevest is the Investor Tribe management platform of choice for Jim Pfeifer and the Left Field Investors' Community.Tribevest is a strategic partner and sponsor of Passive Investing from Left Field.

Get ready for this week's JBTV the Podcast episode with LPX.Visit Tiesta Tea: https://bit.ly/3GxMaOQSupport the show by using promo code "JBTV15" for 15% off your order!LPX : iamlpx.comFollow Us On Social Media: Youtube - Instagram - TwitterWe are a proud member of Pantheon Podcasts

Get ready for this week's JBTV the Podcast episode with LPX. Visit Tiesta Tea: https://bit.ly/3GxMaOQ Support the show by using promo code "JBTV15" for 15% off your order! LPX : iamlpx.com Follow Us On Social Media: Youtube - Instagram - Twitter We are a proud member of Pantheon Podcasts Learn more about your ad choices. Visit megaphone.fm/adchoices

Get ready for this week's JBTV the Podcast episode with LPX.Visit Tiesta Tea: https://bit.ly/3GxMaOQSupport the show by using promo code "JBTV15" for 15% off your order!LPX : iamlpx.comFollow Us On Social Media: Youtube - Instagram - TwitterWe are a proud member of Pantheon Podcasts

Presented by Pantheon Podcasts, The JBTV Podcast brings together Jerry Bryant's exclusive interviews from the show's 37 years run. JBTV Music Television has introduced the performers like Green Day, BTS, Twenty One Pilots, Smashing Pumpkins, Cage The Elephant, Arctic Monkeys, Jeff Buckley, LPX, Twin Peaks, and more. Many artists received their initial television exposure on JBTV Music Television. The legacy continues, and the JBTV Podcast reveals the hidden conversations with these legendary artists straight out of the historical JBTV vault. JBTV is the premier destination for music aficionados.Follow Us On Social Media: Youtube - Instagram - TwitterWe are a proud member of Pantheon Podcasts

This week we're taking on the album at the numbing tip of Gen Z's tongue- SOUR by Disney star Olivia Rodrigo! Also discussed is Lady Gaga's Reimagined Born This Way celebration, Spotify's new #OnlyYou feature, and Ava Max's red carpet interview at the iHeart Radio Music Awards! At the SPA this week: Love Potion by RALPH, Mirror by SIGRID, Kill My Heart (feat. Parson James & Qveen Herby) by VINCINT, Heaven is a Place in My Head by BAD SUNS, Reason in the Noise by LPX, I Shot Cupid by STELA COLE, Chance by HAYLEY KIYOKO, I Can't Dance by DARREN CRISS, How Not to Drown by CHVRCHES, Live to Survive by MØ, So Far So Good by GREAT GOOD FINE OK, and Lost Cause by Billie Eilish!

This week VÉRITÉ speaks with Lizzy Plapinger, professionally known as LPX. She is the co-founder of Neon Gold Records and one half of the duo MSMR. They discuss all of her roles in the music industry, her experience being signed to a major and her decision to step away, and how much her relationships have grown with fans since being independent.  Anatomy of an ArtistCreated by VÉRITÉ Produced by Vanessa MagosMusic & Editing by VÉRITÉ Podcast research by Ysenia Bonilla  Follow VÉRITÉ:Instagram - https://www.instagram.com/verite/Twitter - https://twitter.com/veriteFacebook - https://www.facebook.com/veritemusicSpotify - Apple Music - https://music.apple.com/us/artist/v%C3%A9rit%C3%A9/900063435Website - http://veriteofficial.com/Contact - anatomyofanartistpodcast@gmail.com

막강했던 육군은 대폭축소 해놓고 시동 꺼지는 차륜형 장갑차 600대로 때웠고, 해군에는 멀쩡한 LPX 2를 2차대전 전술을 구사해야 하는 경항모로 억지를 부리고, 육군에 다연장 스마트탄을 개발한다는데, 육군분대는 당장 화력부족에다 저거 메고 다닐 보직도 없을 건 뻔한데 러시아군 보다 더 많은 국방비를 지출하면서도 러시군보다 작은 군대를 유지하는 이유가 바로 저런 것입니다. --- Send in a voice message: https://anchor.fm/eagle-joe/message

My favourite episodes are the ones where I get to catch up with friends and this one is a prime example. Sulene is an example of one of my absurdly talented friends. She's a composer from South Africa that now calls Brooklyn her home. Along with being a talented songwriter, she's also an incredible performer who's played with Nate Ruess, Betty Who and LPX. On this episode we chat about working as a professional composer, her stellar Fire Escaping EP and just catch up as two friends.

Follow us down the dark, bluestone steps. Sit by the fire. Cassie can already taste the whiskey in her mouth. It's smoked, and there's a cheese board. She wants - quote - "shirts ripped off, somebody else's glitter all on my body, I want sweat dripping from everywhere, I want some ridiculous headband I'm going to regret paying $20 for..."Listen to discover what the HECK she delivers for this magical episode. Is this a train wreck?Dug By Us. New music reviews & recommendations. A Not For Print podcast.

This may be the first time our title is born from singing. Cassie couldn't help herself. And we're loving that Cassie seems back in a zone of genuine buzz & passion for music and presenting a real zest for it again. It's also the first episode containing the word "sloppy". Thanks again to Cassie for that one. We review last week's Low Cut Connie and Holiday Sidewinder and add another two songs to the mega, mega Dug By Us playlist that you'll find on Spotify. What music are you loving right now? Let us know on all the socials!!

I'm keen for it! I'm hungry for it! "Might shock a few..."We dig a bit deep this week in to music habits, mindsets, prejudices, safety nets, open eyes, open minds and open doors!Ever wondered "Why doesn't anyone else know this song? It's sick!" Well Chris has too. And he'll share a song that inspired this claim within this incredible podcast episode.Discussing the current Melbourne lockdown lifestyle, Cassie got a bit reflective: "We're gonna look back at this podcast in 10 years and be like WHAT?! WOW! This is a really great time capsule for us. I have no doubt that it's gonna be something that we look back on..." and we hope we do. Feel free to binge a few past episodes whenever you like. We'll have 2020 wrapped up weekly like some sort of audio-journal with a kick arse soundtrack.Cassie also thinks anger banger is my favourite genre (that Chris just invented)Did you get on that good stuff train? Let us know what music you're digging!

Lizzy Plapinger of MS MR, who now performs as LPX – and is the co-founder of Neon Gold Records – is the guest on the fourth episode of Jetlag’s second season, “An Industry Grounded”. Lizzy talks about what it’s been like releasing new music, including her latest single “Delayed Gratification”, and having to postpone tours … Continue reading "An Industry Grounded Episode 4: LPX on releasing new music, postponing tours and the Black Lives Matter movement"

this week's "Just Another Menace Sunday" today at 1 pm (West) 4 pm (East). www.bombshellradio.com This week: Hour 1: A Conversation with Everything Everything and their Musical Sandwich. Hour 2: New Melodic Rock & Roll from: LPX, The Fratellli's, Hockey Dad, David Byrne, Sunflower Bean, Car Seat Headrest, Shame, US Girls, Jeff Rosenstock, tunE-YArDs!

Our first episode recorded in a socially distant world. EPISODE-19. Cassie raves about a song so much her hands were going bananas. Both of us were feeling the weight of the world and the more we spoke the brighter our moods became. Times are tough and the more positive vibes we spread, the more personal interaction we can make, we'll all be better for it. Even if things aren't face to face. We can still share community. All the best to you.

HAPPY BIRTHDAY CASSIE. We recover from last week's mega-special Harts chat with a nice, quick, tight 18th episode. We go through new LPX and BATTS - not a lowercase letter to be seen. Get that spark in your eye.

The Ritchie J Show - Tune in every Mon-Wednesday 1-3pm (U.K Time) for the best new, independent music from around the world, fun facts, featured artists and unscripted chat, He's live N' easy on www.smileradio.co     On this Show: It's #NEWMUSICMONDAY so catch some great tunes from the weekends Featured Artists - The Virginmary's & todays featured artist: Mosley Bar. It's Half term so Ritch is joined in by lil' special guest: Jakey J We also have music from:  Patrick Martin, Dawson Shaw, Aunt Cynthia's Cabin, Saltwater Sun, Girlpool, Holiday Ghosts, LPX, Norine Braun, Rico's Pharmacy, Hotel Life, Brave, Anne Steele, Strange Culprits, Mallory Welch, Mothership, Pink Velvet, Shiny Darkly & Reddmond and Joey Plus Ritchie gets back in the mix with some trivia courtesy of America's funnysite Cracked.com. Today's subject: 29 Video Games with Insane (behind the scenes) Backstories! & Much, much, more!  Check out the Ritchie J show live Mon-Wed 1-3pm! Facebook: www.facebook.com/smileradioyorkshire Twitter: www.twitter.com/smileradio3 Instagram: www.instagram.com/SmileRadio3 On Demand: www.smileradio.co/ondemand E-mail: ritchie.johnston@smileradio.co

On this episode, we discuss how we can relearn ourselves through self-care. We ask you to tell us what you do for self-care. And we shoutout some great women; Jessie Reyes, Oshun, Maggie Rogers, LPX, Ravyn Lenae, MarsheaChanel.com and MELBEL. Much love to everybody, and thank you for listening!

Yes Doing it ON a Sunday this week.. a chain is still a chain not matter the metal...anyway...a true cross section of original sounds ...as we like to do...dig it

Lizzy Plapinger kicks the new year off right for Soul Sisters as the co-founder of Neon Golden Records/front woman of MS MR/solo act known as LPX tells us how she became such a triple-threat talent - and what challenges still lie ahead. See acast.com/privacy for privacy and opt-out information.

About 200,000 Korean children have been adopted internationally since the end of the Korean War in 1953. Most were taken in by American families, but some were raised in Europe, Australia, and other nations. As those children  have become adults, many have struggled with questions  of identity and belonging... and many have come together in online communities and formed real-world groups to share their experiences. In recent years, a number of Korean adoptees have traveled back to the country of their birth, sometimes for a brief visit and sometimes to stay. Journalist Kaomi Goetz is documenting the experiences of adoptees who have returned to Korea in a podcast called Adapted. It features a series of fascinating interviews with a group of individuals who have been living in two worlds. Kaomi is a Korean-American adoptee herself, and in our interview for the LPX podcast, she gives us a little history of international adoption from the country, insight she's gained from talking to other adoptees, and a bit of her own experience of living in South Korea. You can find more information and listen to Kaomi's podcast at the Adapted Podcast website. You can find the LPX Show in iTunes, on Stitcher, in Google Play Music, and just about anywhere else you get your podcasts. You can also get the latest updates by following LPX on Facebook, Google+ or Twitter or by visiting our website, LPXShow.com  

For the past two decades, Snopes.com has been debunking myths, hoaxes, and other false information: Want to know if there's real evidence of Bigfoot's existence? Check Snopes. Want to know if Bill Gates is really giving away money to people who share a post on Snopes? Snopes to the rescue. And want to know if Marijuana can make you smarter? Snopes is on it. The answers to those questions, by the way are no, nope, and... maybe? Recently a lot of the stories Snopes have been investigating have been political... and a lot of them can be traced back to fake news sites. Brooke Binkowski is managing editor of Snopes.com, and she's my guest for the LPX Show episode 12. Binkowski has an interesting take on fake news: the way to fight it is by producing better real news.  You can find the LPX Show in iTunes, on Stitcher, in Google Play Music, and just about anywhere else you get your podcasts. You can also get the latest updates by following LPX on Facebook, Google+ or Twitter or by visiting our website, LPXShow.com

Smartphones are useful for a lot of things. You can read the news, watch videos, play games, keep up on your email, and even write a novel on a smartphone. Oh yeah, you can also make phone calls and send text messages.  But sometimes you want a larger screen, a bigger keyboard, or some of the other features you get from a laptop or desktop computer. Today most of us probably have at least two devices: a smartphone and a PC (or Mac... which is technically a PC, but whatever). Andromium CEO Andrew Jiang envisions a world where you only need one: your phone. Want more screen space? Just plug in a peripheral... like the company's Superbook. On LPX Show Episode 12: a conversation with Andromium CEO Andrew Jiang about the idea behind the Superbook, why he thinks the idea has resonated, and how it differs from previous laptop docks, such as the ill-fated Palm Foleo and Motorola Atrix Lapdock.  You can find the LPX Show in iTunes, on Stitcher, in Google Play Music, and just about anywhere else you get your podcasts. You can also get the latest updates by following LPX on Facebook, Google+ or Twitter or by visiting our website, LPXShow.com And if you want to help support the LPX podcast, please consider making a donation to our Patreon campaign. 

A generation of computer users grew up using Microsoft DOS in the 80s and 90s, but Microsoft started to phase out the operating system with the launch of Windows 95. Decades later, there are still people playing DOS-based games and even corporations using DOS-based software. Writer George R.R. Martin famously said in 2014 that he was still using a DOS-based word processor to compose his books.  Don't have your stack of 3.5 inch floppies with DOS handy? That's OK... because for more than two decades the developers of FreeDOS have been offering a free and open source alternative to Microsoft's defunct operating system.  On LPX Show episode 11: a conversation with Jim Hall for about freeDOS, classic computing, and free software. You can find the LPX Show in iTunes, on Stitcher, in Google Play Music, and just about anywhere else you get your podcasts. You can also get the latest updates by following LPX on Facebook, Google+ or Twitter or by visiting our website, LPXShow.com And if you want to help support the LPX podcast, please consider making a donation to our Patreon campaign. 

Smartwatches are internet-connected watches that can let you do everything from viewing messages at a glance to ordering a pizza with a single tap. But not everyone needs a watch with a heart rate monitor, NFC, or GPS... and maybe some people want less common features like a flashlight, blood glucose monitor, or camera.  So the developers of the BLOCKS smartwatch took a modular approach: the watch itself has all the basic features you'd expect including a touchscreen display and the ability to pair with your phone to connect to the internet and display notifications. But the wrist strap is made of modules that can house features like extra batteries, GPS receivers, and more.  I spoke with BLOCKS co-founder Serge Didenko for this episode of the LPX Show.  You can find the LPX Show in iTunes, on Stitcher, in Google Play Music, and just about anywhere else you get your podcasts. You can also get the latest updates by following LPX on Facebook, Google+ or Twitter or by visiting our website, LPXShow.com And if you want to help support the LPX podcast, please consider making a donation to our Patreon campaign. 

In the wake of Intel's decision to cancel its next-gen Atom chips for smartphones, tablets, and other low-power devices, mobile tech bloggers Sascha Pallenberg, Nicole Scott, and Steve "Chippy," Paine join Brad Linder for a round tablet discussion of the legacy of the Atom chip family and what Intel's decision to shift is focus away from Atom could mean. Sascha and Nicole are co-founders of mobile tech blogs MobileGeeks.com and MobileGeeks.de, and Chippy runs a number of mobile-focused websites including UMPC Portal and CarryPad.  You can find the LPX Show in iTunes, on Stitcher, in Google Play Music, and just about anywhere else you get your podcasts. You can also get the latest updates by following LPX on Facebook, Google+ or Twitter or by visiting our website, LPXShow.com And if you want to help support the LPX podcast, please consider making a donation to our Patreon campaign. 

The DragonBox Pyra has a 5 inch screen and a dual-core ARM-based processor. But it's not a smartphone. In fact, this handheld computer looks more like a cross between a tiny laptop and a Nintendo DS game system.  It has a physical keyboard, a bunch of storage and input/output options, dedicated buttons for playing games, and Debian Linux software which allows you to play games or run desktop software including LibreOffice and Firefox. The DragonBox Pyra is developed by a team led by Michael Mrozek, who wanted to create a system that not only runs open source software, but which also features open designs: anybody can open up the case and replace the parts or download the schematics to design their own case for the hardware... or design their own CPU board and insert it into the case.  Mrozek began taking pre-orders for the DragonBox Pyra on May 1st, 2016 and I reached out to him to discuss the project in more detail.  Here are some links to projects mentioned in this episode: DragonBox Pyra Pandora Game Park GP32 (Wikipedia) Neo900 You can also follow Michael Mrozek on Twitter and YouTube.  Visit the LPX website to learn more about the DragonBoyx Pyra. You can find the LPX Show in iTunes, on Stitcher, in Google Play Music, and just about anywhere else you get your podcasts. You can also get the latest updates by following LPX on Facebook, Google+ or Twitter or by visiting our website, LPXShow.com And if you want to help support the LPX podcast, please consider making a donation to our Patreon campaign. 

Are chatbots the new apps? A lot of developers seem to think so. Facebook and Microsoft have both rolled out tools that make it easy for coders to create bots that you can chat with on Facebook Messenger, Skype, and other platforms including plain old SMS text messaging. I wanted to get a better sense of what chatbots are, what they can do, and why we should use them. So for this episode of the LPX Show, I interviews Robert Stephens. He's founder of the Geek Squad, he was chief technology officer for Best Buy after that company acquired Geek Squad, and now he's co-founder of a new chatbot service called Assist. Visit the LPX website to learn more about chatbots, and to find a list of some of the bots you can chat with today.  You can find the LPX Show in iTunes, on Stitcher, in Google Play Music, and just about anywhere else you get your podcasts. You can also get the latest updates by following LPX on Facebook, Google+ or Twitter or by visiting our website, LPXShow.com

After co-founding Opera Software and working on the company's web browsers for 15 years, Jon von Tetzchner left Opera in 2011. Now he's back with a new company and a new web browser... and it's aimed squarely at power users looking for features that aren't built into any other web browser. Vivaldi 1.0 is available for download for Windows, Mac, and Linux.  You can find the LPX Show in iTunes, on Stitcher, and just about anywhere else you get your podcasts. You can also get the latest updates by following LPX on Facebook, Google+ or Twitter or by visiting our website, LPXShow.com

Most people probably don't spend a lot of time thinking about the materials used to build their phones, or the workers who put the hardware together. But Amsterdam-based Fairphone is trying to change that... by selling phones made with conflict-free minerals from Africa and by setting up a Worker Welfare fund for factory workers in China.  Even if you don't care about those things, the Fairphone 2 is interesting for another reason: it's the first modular smartphone to hit the market. You can replace the screen, camera, battery, and other components with nothing more than a screwdriver. The Fairphone 2 is available in Europe for 529 Euros, and Fairphone hopes to bring the smartphone to the United States eventually. It's showcasing the phone at this year's SXSW Interactive conference in Austin, Texas, where the phone is a finalist for an Innovation award. But the earliest the phone is likely to go on sale in the US is 2017. I spoke with Fairphone's public engagement manager Daria Koureniushkina for this episode of the LPX Show, and she explains how the project was started, and where it's going. I also interviewed iFixit founder Kyle Wiens about modularity and repairability in smartphones... why it's useful, and why it's not exactly common. Here are some related links: iFixit (and iFixit's Fairphone 2 teardown) Fairphone Fairphone 2 order page Fairphone 2 spare parts You can also get the latest updates by following LPX on Facebook, Google+ or Twitter or by visiting our website, LPXShow.com  

Most people in the United States who pay for TV have to use a set-top-box rented from their cable provider. In February, the Federal Communications Commission voted to adopt a plan that could change that by requiring TV providers to open up the data streams so that you could access content on something like a Roku, Chromecast, or Apple TV.  But the cable, satellite, and other TV providers are fighting back.  In this episode of the LPX Show, we take a look at the FCC's #UnblockTheBox effort... and the industry's proposed alternative, #EliminateTheBox.  Find more details at LPXShow.com.  Featured guests: Brad Love, senior software engineer at Hauppauge Paul Glist, attorney representing the National Cable & Telecommunications Association Mari Silbey, senior editor for cable and video at LightReading.com Dave Zatz, technology blogger at ZatzNotFunny.com Special appearances (recorded from an FCC webcast): FCC chairman Tom Wheeler FCC commissioner Ajit Pai Links: FCC's "Unlock the Box" page (proposed rule, commissioner statements) Read comments that have been submitted to the FCC Submit your own comment (use procedure number 16-42) You can also get the latest updates by following LPX on Facebook, Google+ or Twitter or by visiting our website, LPXShow.com  

Remix OS is a customized version of Android designed to look and feel like a desktop operating system. You can use it to run just about any Android app, but there's a desktop, a taskbar, and support for viewing multiple apps at once in windows that you can resize and reposition on the screen. Here are some links that you may be interested in: Visit the LPX Show website by Feb 28th for a chance to win a Bluetooth speaker Download the latest version of Remix OS for PC How to install the Google Play Store on Remix OS for PC App Annie's 2020 forecast for mobile app revenue Lory Gil @ iMore K Tempest Bradford's blog and The Write Gear podcast You can find the LPX Show in iTunes, on Stitcher, and just about anywhere else you get your podcasts. If you like the show, leave a review (or I guess you can do that even if you don't like it...) You can also get the latest updates by following LPX on Facebook, Google+ or Twitter or by visiting our website, LPXShow.com

Intel's is expanding its line of Compute Stick mini-PCs in 2016, so I decided to do a state-of-the-stick episode of LPX, featuring interviews with Intel's marketing manager for the lineup and Ian Morrison, an Australian developer who has been working to port Ubuntu and other open source software to run on Intel's tiny desktop computers. Program  Notes 0:00 - 1:52 Introduction 1:52 - 21:45 Bruce Patterson  21:55 - 36:43 Ian Morrison 36:48 Preview for episode 3 You can find the LPX Show in iTunes, on Stitcher, and just about anywhere else you get your podcasts. If you like the show, leave a review (or I guess you can do that even if you don't like it...) You can also get the latest updates by following LPX on Facebook, Google+ or Twitter or by visiting our website, LPXShow.com.

Two people hoping to change the way we use computers. Nitro Duo: two computers in one tiny case Shane Lewis wanted a smartphone that could run Android apps... but which could also work as a full-fledged Windows desktop computer when attached to a docking station. And since there was nobody selling a phone that met that description, he decided to build his own. EOMA68 Libre Laptop: a vision for an upgradeable future Luke Kenneth Casson Leighton has a vision for a future where computers are easy to upgrade. Buy a laptop, tablet, or desktop today and if you want a faster processor, more memory, or other improvements in a few years all you need to do is pop out a card and insert a $50 replacement. Program notes Here's a run-down of the first episode of LPX: 0:00 - 1:17 Introduction 1:17 - 22:07 Shane Lewis interview 22:24 - 41:46 Luke Kenneth Casson Leighton interview If you'd like to hear the full, unedited version of the interview with Luke Leighton, you can find it on YouTube.

OREGON® LP vs LPX contest

The Value Guys! discuss: ARNA, LPX, MPW, MNTA

Option Block 114: No Straddles Without Gamma Scalping Trading Block: SPY and other expirations on ETFs--close out your shorts! More put buyers are rolling into VIX - even the Journal is starting to pick up on it. Given this erratic movement, how risky is hedging the VIX? GLD put options, a relatively inexpensive option if you still need to hedge you're GLD downside. A Reuters article debating and discussing the sideways movements of the market, which gained popularity of the site recently, recommended straddles as a way to play with market. Should it even be allowed to recommend straddles without following it up with the appropriate discussion on gamma scalping? RIMM earnings after the close – at-the-money straddle trading $1.75 with one day to go. Odd Block: Unusual activity in Walgreens Co. (WAG), Credit Suisse Group (CS), and an activity review from November 17Louisiana-Pacific Corp. (LPX). Xpress Block: John Grigus from OX discusses the Van Eck ETFs and Sears (SHLD), which came out with a re-org. The December futures contracts will go off and stop trading at 8:30 CST. Strategy Block: Mike Tosaw talks about diagonal spreads and the diagonal butterfly given the weekly options being the great fascination of the retail world and gives us his two cents. Around the Block: An update on RIMM - that straddle still not paying the bills, trading about a dollar lower. Will VIX continue to decline? Will the market head north from here?

Option Block 107: The End of the AAPL Bulls? Trading Block: Housing starts better than expected, yet the market shrugged off an usually strong indicator for movement. S&P breaks through 1225 -- a key support level. Apple down in the 375 level. Ford getting crushed -- down $0.40 despite strong October sales. Is the Dec 9/10 put spread a popular sale? Metals down today. AGQ is gaining popularity, could ultra short terms make a difference?  Odd Block: Unusual activity in: Ann Taylor (ANN), Louisiana-Pacific Corp. (LPX), and Coca-Cola Co. (KO)   Xpress Block: Nelson from OX discusses questions are concerns raised with expiration a day away. A lot of interest around Angie's List, a tech IPO going public today. Is there still a lot of fallout from the MF situation?  Strategy Block: Mike Tosaw discusses the simulated index concept. Around the Block: A light earnings and economic week coming up. Apple - Jan 2013 call or put?