Podcasts about materials

Eric Criscuolo, Market Strategist at the NYSE, recaps a week of record-breaking gains across stocks and gold, driven by strong momentum and AI-fueled optimism. AMD led the charge after announcing a major partnership with OpenAI, while xAI's reported $20B raise kept Nvidia in focus. Utilities and Tech outperformed, with Real Estate and Materials trailing amid rising yields and geopolitical pressure. Strong AI demand and investor enthusiasm continued to lift markets.

My guest today is Sage Berryman, CEO of Aluula Composites (TSXV: AUUA). Aluula is focused on revolutionizing material science. Founded in 2019, the company has developed a patented process for producing ultra-high molecular weight polyethylene (UHMWPE) composites without glues—fusing at the molecular level to create materials that are lighter, stronger, more durable, and fully recyclable. This “mono-material” design also enables circularity and addresses the growing demand for PFAS-free solutions. The company first gained traction in windsports through its Ocean Rodeo subsidiary, but following a 2023 RTO and a 2024 strategic refocus under Sage's leadership, Alula divested Ocean Rodeo to concentrate on becoming an ingredient brand. Today, Aluula is targeting both premium outdoor markets—packs, tents, wind sports—and larger commercial and industrial applications, where strength, durability, and recyclability are key. Aluula will be presenting at our conference in Toronto, the Planet MicroCap Showcase on October 21-23, and invited her on to discuss: The science behind Aluula's glue-free composites Strategic pivot from Ocean Rodeo to ingredient branding Long but improving sales cycles for adoption Differentiation from commodity materials like polyester and nylon Expansion plans into higher-volume industrial applications Financial discipline, with recent margins of 40–45% For more information about Aluula Composites, please visit: https://aluula.com/ This podcast was recorded and is being made available by SNN, Inc. (together with its affiliates and its and their employees, “SNN”) solely for informational purposes. SNN is not providing or undertaking to provide any financial, economic, legal, accounting, tax, or other advice in or by virtue of this podcast. The information, statements, comments, views, and opinions provided in this podcast are general in nature, and such information, statements, comments, views, and opinions, and the viewing of/listening to this podcast are not intended to be and should not be construed as the provision of investment advice by SNN. The information, statements, comments, views, and opinions expressed in this podcast do not constitute and should not be construed as an offer to buy or sell any securities or to make or consider any investment or other course of action. The information, statements, comments, views, and opinions expressed in this podcast (including by guest speakers who are not officers, employees, or agents of SNN) are not necessarily those of SNN and may not be current. Reference to any specific third-party entity, product, service, materials, or content does not constitute an endorsement or recommendation by the SNN. SNN assumes no responsibility or liability for the accuracy or completeness of the content contained in third party materials or on third party sites referenced in this podcast or the compliance with applicable laws of such materials and/or links referenced herein. The views expressed by guest speakers are their own and their appearance on this podcast does not imply an endorsement of them or any entity they represent. SNN does not make any representation or warranty as to the accuracy or completeness of any of the information, statements, comments, views, or opinions contained in this podcast, which may include forward-looking statements where actual results may differ materially. SNN does not undertake any obligation whatsoever to provide any form of update, amendment, change, or correction to any of the information, statements, comments, views or opinions set forth in this podcast. SNN EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY OR RESPONSIBILITY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF ANY INDIVIDUAL'S USE OF, REFERENCE TO, RELIANCE ON, OR INABILITY TO USE, THIS PODCAST OR THE INFORMATION PRESENTED IN THIS PODCAST. By accessing this podcast, the listener acknowledges that the entire contents and design of this podcast, are the property of SNN, or used by SNN with permission, and are protected under U.S. and international copyright and trademark laws. Except as otherwise provided herein, users of this podcast may save and use information contained in the podcast only for personal or other non-commercial educational purposes. No other use, including without limitation, reproduction, retransmission, or editing of this podcast may be made without the prior written consent of SNN.

“You know, you walk through a forest. Every leaf on every tree is unique. And that's what biology does. We are all unique, right? Everything about us that biology does, it's so magical. It's so special. And we now have the ability to harness biology in the way that nature does.” – Suzanne Lee Suzanne Lee is the founder of Biofabricate and for more than two decades she's been uniting scientists, designers, artists, and dreamers to prove that biology isn't just inspiration — it's the next frontier of design. She's leading a movement to replace plastics, leather, and petrochemicals with materials born from life itself — brewed, cultivated, and created in harmony with nature. I just spent a few days in London at Biofabricate's Biofab Fair, a celebration of biology-based technologies and the innovators behind them. These weren't the usual alternatives to leather or plastic. Imagine a world where textiles aren't manufactured from fossil fuels, animal skins, or even plants — but grown from microbes, mycelium, algae, and engineered proteins. There were fabrics brewed in vats, colors grown by living microbes, perfumes made with the DNA of extinct flowers, and leather-like sheets made from banana waste and mycelium. Each innovation not only reimagines what we wear and use, but also reshapes how we think about design, beauty, and even culture. After the fair, Suzanne and I sat down to debrief — to talk about how far this movement has come, what's next for biofabrication, and how growing the materials of the future might just change everything.  Links:  Biofab Fair Website  https://www.biofab.world/ Biofabricate Website   https://www.biofabricate.co/ Instagram https://www.instagram.com/biofabricate/ Materials and brands mentioned in episode: Ephea  https://ephea.bio/ Polybion https://www.polybion.bio/ Uncaged Innovations:  https://uncagedinnovations.com/ Spyber:  https://spiber.inc/en Holon Bionics https://holonbionics.com/ Banofee https://www.banofileather.com/ AB In Bev https://www.ab-inbev.com/ MM Limited https://www.mm-greentech.com/aboutus

Have you ever moved and had to convert your glazes to materials from a different continent? Today the gang talk about how you might do that along with why ‘S' type thermocouples are the best for accurate firings. They also answer listener questions about upcycling large amounts of casting slip and solutions for handles that keep popping off. Do you have questions or need advice on glazes? Drop us a line at ForFluxSakePodcast@gmail.com and you could be featured on an upcoming show.   Have you checked out the new For Flux Sake Patreon? This is a great way to show your support and have access to discounted merch, live hangouts, and extra episodes. Head over to Patreon and sign up today.    Today's episode is brought to you by Monkey Stuff, The Rosenfield Collection, Cornell Studio Supply, and Ceramic Materials Workshop's Making Glaze Make Sense.   This week's episode features the following topics: thermocouple, casting slip, pulling handles, BMix, European glazes  

In this conversation, JT & Dave Weiss delve into various themes surrounding Flat Earth beliefs, biblical cosmology, and the exploration of historical architecture. They discuss the journey of questioning established scientific beliefs, the significance of asking questions, and the connections between ancient civilizations and modern understanding. The dialogue also touches on the concept of resets in history and the implications of biblical texts on our perception of the world. In this conversation, the speakers delve into various themes surrounding ancient civilizations, advanced technologies, and the implications of historical resets. They explore the architecture of ancient societies, the concept of a migrating North Pole, and the mysteries of underground cities. The discussion also touches on the nature of sound and frequency in ancient architecture, the deception of modern systems, and the spiritual journey of awakening and personal growth. Throughout the conversation, they emphasize the importance of accountability and free will in understanding one's spiritual path.Dave's website: https://flatearthdave.com/Chapters00:00 Introduction to Modern Roots Life and Health Supplements 00:46 Meeting Dave Weiss: The Flat Earth Discussion Begins 01:49 The Journey to Flat Earth Beliefs 02:47 Biblical Cosmology and Creation 05:40 Questioning Science and the Heliocentric Model 08:35 The Role of Questions in Understanding 11:32 Gravity and the Nature of the Earth 14:12 The Importance of Asking Questions 17:08 The Firmament and Biblical References 20:16 Astrology, the Zodiac, and Biblical Connections 22:59 Old World Architecture and the Mud Flood Theory 26:03 The Mystery of Star Forts and Historical Infrastructure 29:01 World Fairs and Their Architectural Marvels 31:44 The Role of Giants and Ancient Civilizations 34:38 The Shift from Materialism to Spirituality 37:32 The Concept of Resets in History 40:32 The Biblical Perspective on Ancient Civilizations 43:13 Conclusion: The Interconnectedness of Truth and Belief 51:43 Exploring Ancient Civilizations and Architecture 54:01 The Concept of a Migrating North Pole 57:26 Advanced Ancient Technologies and Their Implications 59:50 The Nature of Historical Resets 01:02:29 Underground Cities and Their Mysteries 01:08:42 The Chicago Fire and Its Aftermath 01:10:01 Meltology and the Transformation of Materials 01:13:06 The Role of Sound and Frequency in Ancient Architecture 01:16:55 The Deception of Modern Systems 01:21:30 The Nature of God and Creation 01:26:34 Accountability and Free Will in Spirituality 01:32:44 The Journey of Awakening and Personal GrowthBecome a supporter of this podcast: https://www.spreaker.com/podcast/jt-s-mix-tape--6579902/support.Please support our sponsor Modern Roots Life: https://modernrootslife.com/?bg_ref=rVWsBoOfcFJESUS SAID THERE WOULD BE HATERS Shirts: https://jtfollowsjc.com/product-category/mens-shirts/WOMEN'S SHIRTS: https://jtfollowsjc.com/product-category/womens-shirts/

Everyone says that Genesis 2 contradicts Genesis 1! Could everyone be wrong? Join Paul and Todd as they discuss the alleged problems with Genesis 2 in this latest episode in our Creationism 101 series. From the name of God to the creation of birds, Todd and Paul take on eight contradictions and find most of them wanting. The detailed creation of Adam is definitely different from the creation week, but rumors of contradiction are greatly exaggerated.Materials mentioned in this episodeCameron, N.M. de S. 1980. The unity and harmony of Genesis 1-3. Biblical Creation 6: 37-44. https://biblicalcreationtrust.org/pdf/biblical-creation-02-06_the_unity_and_harmony_of_genesis_1-3_37-44.pdf

Welcome to the first episode of series 88, everyone! In this series, we are covering Cosmic Corsairs, a space fantasy TTRPG about using the power of the cosmos to topple the oppressive Triarchy! In today's episode, we learn what this game is all about before diving into the history of the system! Character Creation Cast Patreon https://patreon.com/charactercreationcast Announcements: Cosmic Corsairs Crowdfunding Campaign: https://www.kickstarter.com/projects/1582756696/cosmic-corsairs?ref=CharacterCreationCast GameHole Con 2025 Panel: https://www.gameholecon.com/events/event/25850 Join our Discord! https://discord.charactercreationcast.com Check out other great shows on the network: https://oneshotpodcast.com Leave us reviews in any, or all, of these places: Character Creation Cast on Apple Podcasts (The best place to leave reviews for us) https://itunes.apple.com/us/podcast/character-creation-cast/id1363822066?mt=2&ls=1 Character Creation Cast on Podchaser https://podchaser.com/CharacterCreationCast Guests Craig Campbell: BlueSky: https://bsky.app/profile/nerdburgercraig.bsky.social Linktree: https://linktr.ee/nerdburgercraig Games/Tools discussed this episode: Cosmic Corsairs Crowdfunding Campaign: Website: https://www.kickstarter.com/projects/1582756696/cosmic-corsairs?ref=CharacterCreationCast Timestamps: (00:00:00) - Announcements (00:01:36) - Introductions (00:09:53) - What's in a game? - Core Concept (00:16:18) - Setting (00:19:34) - Materials (00:21:33) - Stories and Themes (00:33:45) - What is unique about Cosmic Corsairs? (00:42:34) - History of the Game (00:54:04) - Call to Action (01:02:12) - Credits Music: Opening: Meditation Impromptu 03 (https://freemusicarchive.org/music/Kevin_MacLeod/Calming/Meditation_Impromptu_03) by Kevin MacLeod Clip 1: The Saint of Killers by Tiger GangOn Soundstripe: https://app.soundstripe.com/songs/17280 Clip 2: Angst by DivisionerOn Soundstripe: https://app.soundstripe.com/songs/14339 Main Theme: Hero (Remix) (https://freemusicarchive.org/music/Steve_Combs/Principal_Photography_1493/11_Hero_Remix) by Steve Combs Our Podcast: Character Creation Cast: Website: https://www.charactercreationcast.com Contact Us: https://contact.charactercreationcast.com BlueSky: @CreationCast.net (https://bsky.app/profile/creationcast.net) Discord: https://discord.charactercreationcast.com/ TikTok: https://tiktok.com/@charactercreationcast Amelia Antrim: BlueSky: @gingerreckoning.bsky.social (https://bsky.app/profile/gingerreckoning.bsky.social) Ryan Boelter: BlueSky: @lordneptune.com (https://bsky.app/profile/lordneptune.com) Our Network: https://oneshotpodcast.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Our Chief China Equity Strategist Laura Wang discusses how China's new approach to economic development is transforming domestic industries and reshaping the global investment landscape.Read more insights from Morgan Stanley.----- Transcript ----- Welcome to Thoughts on the Market. I'm Laura Wang, Morgan Stanley's Chief China Equity Strategist.Today – a consequential shift in China's economic policy is set to reshape domestic markets and send ripples across the global economy.It's Thursday, October 2nd at 2pm in Hong Kong.If you're an investor, it's important to understand China's new approach to economic development. The government's policies to drive a recovery from an economic slump are changing the rules of competition, profitability and growth. This affects Chinese companies, and in turn global supply chains and investment flows.Let's start with the term involution – what is it? In China, involution describes a cycle of excessive competition—think companies fighting for market share by slashing prices, ramping up production, and eroding profits, often to the point where nobody wins. The government's anti-involution campaign is a direct response to this problem.What factors prompted the launch of this anti-involution initiative? Since 2021, China has faced mounting deflationary pressures—falling prices, a housing market slump, and a surge in manufacturing investment that led to overcapacity. The September 2024 policy pivot began to address these issues, and in mid-2025 the government launched a more targeted anti-involution campaign. This phase focuses on reducing excessive competition and restoring pricing power through market-based consolidation.As we assess the potential effectiveness of China's anti-involution policy, our base case projects China's return on equity (ROE) to reach 13.3 percent by 2030, up from a cycle low of 10 percent in May 2024 and 11.6 percent by July 2025. In a bullish scenario, decisive reforms and demand-side stimulus could push ROE as high as 16.3 percent.We also expect earnings growth to accelerate, with our base case showing an annual growth rate (CAGR) of 7.6 percent in 2025, rising to 11.1 percent by 2027. We forecast valuations to normalize towards 12–13x forward price-to-earnings, in line with emerging market peers, but this could re-rate higher if reforms succeed.In terms of investment opportunities, we believe the EV Batteries industry will benefit the most from the Chinese government's anti-involution efforts. It's got strong policy support, cutting-edge technology, and a market that's consolidating fast—meaning the days of low-quality and excess capacity are fading. We're seeing a shift toward long-term, sustainable growth. Steel and Cement are industries where the state has a strong hand and capacity controls are well established. These factors help stabilize the market and open the door for steady gains. Finally, Airlines. While the industry has faced persistent losses, there isn't a[n] oversupply of seats, and regulatory coordination is strong. With the right reforms, Airlines could be poised for a significant turnaround.The sectors best positioned to benefit from China's anti-involution strategy are more domestically oriented. But this policy is bound to have global implications. And the ripples will likely extend to global supply chains, especially in Materials, Chemicals and Autos.Looking ahead, the pace and success of anti-involution will depend on further structural reforms, demand-side support, and the ability to digest industrial credit risks gradually. The upcoming 15th Five-Year Plan could bring more clarity on tax, social welfare, and local government incentives.So, what should investors be paying attention to? China's anti-involution campaign is more than a policy tweak—it's a recalibration of how the country balances growth, innovation, and sustainability. The key is to track sector-level reforms, watch for signs of consolidation, and focus on companies with strong fundamentals and policy tailwinds.Thanks for listening. If you enjoy the show, please leave us a review wherever you listen and share Thoughts on the Market with a friend or colleague today.

Can AI help find the next breakthrough material? One of my side quests on this long world trip has been chasing the answer to this question. AI-accelerated materials discovery is fascinating to me because the right material at the right time can revolutionize economy and society. Yet the process of material discovery has little changed from the 20th century: Sweaty, repetitive trial-and-error or dumb serendipity. In a prior video, I mentioned Periodic Labs, which raised $200 million from A16Z at a billion dollar valuation. But they are not alone in the space. In the United States, we have Orbital Materials and Radical AI. As well as Dunia Innovations and RARA Factory in Europe. I know there might be two or so more I haven't heard of. Not to mention DeepMind and Google doing work here as well. Are all of these guys chasing ghosts? Over the past few months, I have read some things and spoke to some people. In today's video, some scattered thoughts on AI-accelerated material discovery. Is it real?

Send us a textFrom Japanese kitchens to Tuscan farmhouses, today we step into the world's kitchens, and the psychology behind how they're designed. We unpack what Japan's precision, France's layered romance, Scandinavia's light-filled calm, Germany's engineered order, Italy's tactile luxury, and North America's hosting-first mindset can teach you about your own space. You'll learn the five make-or-break design factors (flow, storage, light, materials, details) and how to borrow country-specific ideas - like zoning tools to tasks, letting natural light lead, mixing old-world pieces with modern lines, and choosing hardware that feels as good as it looks. This is design with a PARO lens: grounded in neuroaesthetics, centered on everyday living, and tailored to help your kitchen support better cooking, connection, and well-being. Listen in for practical moves you can implement this week. Key TakeawaysThe 5 foundations: nail flow, storage zones, layered lighting, durable/tactile materials, and quality touch-point hardware.Japan: reduce visual noise; zone tools to tasks; embrace ma (purposeful negative space).France: mix old + new; open shelving, patina, marble/stone; prioritize quality over quantity.Scandinavia: maximize natural light; lighten materials (oak/pine); create calm, social nooks.Germany: invest in engineered organization (inner drawers, tall pullouts, corner solutions) for effortless ergonomics.Italy: let stone lead the palette; design for hosting and shared prep; balance rustic + modern.North America: treat the kitchen as a multi-use hub; use scullery/butler's pantry intentionally (define what lives where).This week's micro-moves: swap in warm dimmable bulbs, add one drawer insert per zone, edit 10 unused tools, and upgrade one daily-touch handle or faucet.Get on teh waitlist and get 15% off codeSupport the showWebsite: https://www.yourparo.com/Resources: Free Living Room Know How. Free Bathroom Serenity Guide. Get the Free Guides Here! https://www.yourparo.com/free-guides Digital Course: Design Your Home for Better Living https://www.yourparo.com/course

Lucas Downey recalls market moves during past government shutdowns. He discusses recent money flows, which are saying there are “going to be some winners and losers.” Lucas argues that inflows are sticky, and recurring names see a lot of strength, including AI and materials. He certainly “would not be selling” into a government shutdown, even if he's not buying. He also checks outflows on Kenvue (KVUE).======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews James Swanke, Lecturer in Risk and Insurance at the University of Wisconsin-Madison's Wisconsin School of Business. He currently serves as Director of the Risk Management and Insurance MBA program. Justin and Jim talk about his 42 years of experience in Risk Consulting with Willis Towers Watson, and his specialties there, particularly with captives. They discuss the University of Wisconsin-Madison Risk Management and Insurance MBA program, what the students learn, and the competitions they have won in the last year, and they look forward to winning this year. Also, Jim tells of disc jockeying in college, from Classic Rock to Polka.   Listen to learn about captive design, how to prepare for emerging trends, and who wrote the best music of the '70s.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. This is our special International Podcast Day episode because it's released on September 30th. We will be joined by Jim Swanke. He's a lecturer in the Risk Management Program of the University of Wisconsin. [:46] Jim started his career in broadcasting, and he still has the voice. We've got a lot to talk about today! [:54] RIMS-CRMP Prep Workshops! The next RIMS CRMP Prep Workshops will be held on October 29th and 30th and led by John Button. [1:06] The next RIMS-CRMP-FED Virtual Workshop will be held on November 11th and 12th and led by Joseph Mayo. Links to these courses can be found through the Certifications page of RIMS.org and through this episode's show notes. [1:23] RIMS Virtual Workshops! RIMS has launched a new course, “Intro to ERM for Senior Leaders.” It will be held again on November 4th and 5th and will be led by Elise Farnham. [1:39] On November 11th and 12th, Chris Hansen will lead “Fundamentals of Insurance”. It features everything you've always wanted to know about insurance but were afraid to ask. Fear not; ask Chris Hansen! RIMS members always enjoy deep discounts on virtual workshops! [1:58] The full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's notes. [2:09] Several RIMS Webinars are being hosted this Fall. On October 9th, Global Risk Consultants returns to deliver “Natural Hazards: A Data-Driven Guide to Improving Resilience and Risk Financing Outcomes”. [2:22] On October 16th, Zurich returns to deliver “Jury Dynamics: How Juries Shape Today's Legal Landscape”. On October 30th, Swiss Re will present “Parametric Insurance: Providing Financial Certainty in Uncertain Times”. [2:39] On November 6th, HUB will present “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World”. Register at RIMS.org/Webinars. [2:51] We're very excited that today is International Podcast Day! Before we celebrate, I wanted to take a moment to acknowledge and mourn the passing of Todd Cochrane. Todd was a podcast pioneer. [3:06] I've linked in this episode's show notes to a wonderful obituary from Podnews®, about his career, starting with his time in the Navy up to launching his own podcast, and writing Podcasting: The Do It Yourself Guide, from Wiley Publishing in 2005. [3:25] Over the last couple of months, I've had the pleasure of communicating with Todd over email for the Podcast Awards, and it was only last week that I saw the unfortunate news of his passing, which occurred suddenly on September 8th. [3:30] Our condolences go out to his family, friends, and the greater podcasting industry. [3:47] On with the show! This is our special International Podcast Day episode, and I am delighted to be joined by James Swanke, the Director of the Risk Management and Insurance MBA Program at the Wisconsin School of Business at the University of Wisconsin-Madison. [4:06] Jim spent four decades at WTW, specializing in financial and strategic planning issues, as well as captive insurance company design. [4:18] Jim was recently quoted in a new professional report, available on the RIMS Risk Knowledge page, and sponsored by LineSlip Solutions, titled “The Future of Captive Insurance: Governance, Technology, and Performance Optimization.” [4:32] Jim got his start at the University of Wisconsin in broadcasting. We're going to talk about his career path and how being a disc jockey led him to where he is today, educating the next generation of risk professionals. Let's get to it! [4:50] Interview! Jim Swanke, welcome to RIMScast! [5:38] When Jim was in high school, he competed in forensics, in extemporaneous speaking. He did very well. He did well at the University of Wisconsin-Madison, and it got put in the newspaper. WLDY, in Ladysmith, Wisconsin, saw it in the newspaper and contacted him. [6:03] They were looking for a radio jock to “spin vinyls,” do some DJing, and read sports and news. That job helped Jim get into the University of Wisconsin-Madison. [6:21] Jim studied actuarial science and risk management. He went into the Bachelor's program, the MBA program, and the graduate program in risk management, insurance, and corporate finance. [6:40] Jim was hired by the Wyatt Company and did lots of feasibility studies. After 42 years at Willis Towers Watson, he retired. Now he teaches at the University of Wisconsin-Madison. [6:57] Broadcasting set Jim on his path. He says that everything about what we do in the captive and risk management area is about communication. If you're not communicating, listening, helping out, and building stuff, you're not going to be a success. [7:28] When Jim was a DJ at WLDY, they played different kinds of music. On Sundays, he played polka music. On Saturdays, it was country western, and Monday through Friday, it was rock music. Rock music is what he enjoys. At the top of every hour, he did the news and weather. [8:13] Justin recalls his own career. He was just waiting for podcasting to be invented, then he was able to make it all work out. [8:31] Jim worked with captives at Willis Towers Watson. He is quoted in a new LineSlip paper, “The Future of Captive Insurance: Governance, Technology, and Performance Optimization.” Justin saw his name there and thought it would be good to have him on RIMScast. [8:53] Jim described captives as a lifeline during extreme market conditions, comparing today's hard market to the turbulence of the 1980s. Jim tells what makes captives effective under hard conditions. Captives allow organizations to control their own destiny. [9:20] When you're in a hard market, having a captive allows you to take premiums that you normally pay to a commercial insurance carrier and put them into your captive insurance company. A captive is a subsidiary of the captive owner. [9:41] Most of the Fortune 500 companies in the United States have a captive. It allows them to arbitrage whatever's going on in the insurance marketplace. When we're having a difficult market, they put more of their premiums into the captive and rely on the captive more. [9:58] When the market softens, carriers may provide insurance at premiums that are lower than the expected losses. Organizations will buy commercial insurance all the time when the premiums are less than their projected losses. [10:14] Depending on where it is in the market, a captive has a role in an organization's risk management program. [10:27] Jim says a lot of organizations have looked to captives since 2020. We were in the midst of the pandemic, with all kinds of economic hardship. The insurance industry was in despair, as well. A lot of insurance companies cut back on the limits they were willing to offer. [10:49] Insurance companies put additional exclusions onto their insurance, so organizations had to rely on their own sophisticated ways of financing their losses. If they hadn't set up a captive, they set up a captive. If they had a captive in the past, they re-engineered it to do more. [11:15] They also used their captives to access the reinsurance marketplace. Reinsurance is insurance for insurance companies. A captive can be used as a platform to access reinsurers. [11:37] Even in difficult markets, having reinsurers involved created more competition, provided more limits, and there was more flexibility in the coverage terms. [11:48] That was when the pandemic was going on, which triggered the hardening of the market and the lack of availability of insurance. Organizations with captives relied on them and did more. Organizations without captives had captive feasibility studies done and formed captives. [12:09] Jim says the CEO of a captive should be a senior person who will monitor what's going on, fairly senior in the organization. It's not a full-time position. It takes three or four hours a month, plus board meetings. [12:46] A captive is required to have a captive manager, who is an accountant. They keep the books and interface for the captive with the regulator. The President or CEO of the captive relies on the captive manager to do a lot of the daily work. [13:09] Jim says you need a senior person involved so people take the captive seriously. The senior person is going to be the driver in reducing the severity of loss through loss prevention and loss reduction. Having a senior person is so important to the success of the captive. [13:40] There are lots of considerations when you're looking to make changes to your captive. Changes could include adding emerging types of risks, like cyber risk. If you're a hospital, a lot of medical malpractice captives have been hugely successful and have grown surplus. [14:08] Healthcare institutions are passing on some of their capitated risk exposures into their captives because they've done quite well with their medical malpractice. These risks are not correlated with each other, so there is a diversification benefit. [14:22] As you look to make these changes, you need to look at increasing risk assumptions, different attachment points on reinsurance, and changing your investment policy. You have lots of levers, and if you make changes, you need to analyze what the impact will be on your captive. [14:52] Jim talks about leaning into technology. Before 9/11, we didn't have the sophisticated software we've created in the last few years. [15:06] To look at covering all the possibilities and changing your captives, from adding new coverages to reinsurance reattachment points, was a monumental amount of actuarial work to figure out how to optimize your captive. [15:19] Recently developed software looks at all the possibilities in terms of changing your captive to optimize what you're doing. 20 years ago, Jim would spend months doing the actuarial work, working with an investment bank and charging them heavy fees. [15:39] Now, with new software, what took Jim months and months to do can be done in a matter of two to three days. The productivity today, in terms of optimizing your captive, is far greater than it was 20 years ago, because of the software that has been developed. [15:55] Jim likes that the software looks at all the risks and how these risks interact with one another. Looking at risks in a captive holistically is very important because many of these risks are hardly correlated with one another. [16:15] Looking at risks holistically, you can figure out the diversification benefit of having all of these risks within your captive, which has a major impact on the amount of economic capital that your captive will need to maintain. This software has been a game-changer. [16:34] RIMS Events! On October 1st through the 3rd, the RIMS Western Regional Conference will be held in North San Jose at the Santa Clara Marriott. The agenda is live. It looks fantastic! Visit RIMSWesternRegional.com and register today! [16:55] On November 17th and 18th, join us in Seattle, Washington, for the RIMS ERM Conference 2025. The agenda is live. Check out Episode 357 for Justin's dialogue with ERM Conference Keynote Presenter Dan Chuparkoff on AI and the future of risk. [17:14] Visit the Events page of RIMS.org to register. [17:17] RISKWORLD 2026 will be in Philadelphia, Pennsylvania, from May 3rd through May 6th. RIMS members can now lock in the 2025 rate for a full conference pass to RISKWORLD 2026 when you register by September 30th! [17:32] This also lets you enjoy earlier access to the RISKWORLD hotel block. Register by September 30th, and you will also be entered to win a $500 raffle! Do not miss out on this chance to plan and score some of these extra perks! [17:46] The members-only registration link is on this episode's show notes. If you are not yet a member, this is the time to join us! Visit RIMS.org/Membership and build your network with us here at RIMS! [17:56] If you are listening to RIMScast on our broadcast day, that means today is September 30th. It is last call for registration at the Earlybird rate! [18:08] In the spirit of it being September 30th, which is International Podcast Day, let's return to our interview with Jim Swanke! [18:22] Jim is the Director of the Risk Management and Insurance MBA at the University of Wisconsin-Madison. The curriculum includes technology, AI, and automation. In his classes, Jim is using the new software he discussed earlier. [18:46] Jim taught a class the day before on the principles of risk management. He talked about how risks are interrelated with each other and how you need to analyze them holistically, figuring out how they are correlated, not in siloes. [19:13] The holistic view will give you the best answer in terms of the economic capital that will be required to put into your captive. If you're analyzing risks silo by silo for each risk, that will lead you to having more economic capital in your captive than you need. [19:35] Jim has learned, in 42 years of consulting, that the CFOs in these organizations don't want to trap cash in their captives. Teaching this software to this new generation of students, they will be able to step into the roles of captive managers that the industry will need. [20:07] We're at the tip of the iceberg with AI. We're still learning in Academia what the power of AI is going to be. Jim foresees AI being very important in handling claims and in underwriting. [20:30] AI will allow commercial insurance companies to have a better way of doing their pricing and making decisions on whether or not risks should be accepted. It will also be beneficial to captives. [20:43] Jim thinks AI will advance the technology far ahead. We're just beginning to touch on some of the advantages within the insurance industry and within captives. [21:05] Jim started teaching in 2011. When University of Wisconsin-Madison Professor Dan Anderson retired, Jim was chosen to teach a class on sustainability that was started by Professor Anderson. He has taught it since 2011. [21:41] At the time, some students did not think anything was going on with climate change. A couple of students stood up in class and said all of this was just made up. It was a fantasy. [22:03] Today, when Jim goes into class, students are there a half-hour early and stay late. They are very connected and working together to figure out how to reduce CO2 emissions to slow down the heating of the planet and the extreme weather events that are coming more often. [22:24] The class has evolved over the years, and the students are more engaged than they ever have been. [22:33] The students from the University of Wisconsin-Madison were the winners of the Spencer-RIMS Risk Management Challenge at RISKWORLD 2025 in Chicago. Jim knows all of those students and had a couple of them in his class yesterday. [23:04] The students won with the Huntington, West Virginia case study, a six-month project. Huntington is on the Ohio River, and with extreme weather events, flooding has become a big issue in that community. They competed with students around the world to solve the issue. [23:49] Each school's team came up with things that could be done and conducted an analysis on what they thought was the best way of handling it. The University of Wisconsin-Madison's team focused on resiliency with levees and dikes to hold back the flooding. [24:27] The four Wisconsin students presented their paper and won, out of 61 schools competing. The University of Wisconsin-Madison received $10K. The second-place university, DePaul, received $7.5K, and the third-place school, IIRM Hyderabad (past year winner), got $5K. [25:04] The University of Wisconsin-Madison team entered two other contests last year and won them both. The CICA Captive competition involved case studies around Kaneka captives. It required an essay and a PowerPoint deck. [25:52] The MBA students entered the A.M. Best competition for insurance solutions to a global issue. The students used a combination of parametric and indemnity triggers to provide insurance to the disadvantaged in the Caribbean and Latin America. [26:23] If there was hurricane damage, it would trigger a parametric to allow an amount of money to be paid immediately to these disadvantaged families. Then there would be the indemnity insurance that would look at the actual losses and true them up to the loss amount. [26:49] It involved the combination of parametrics and conventional indemnity insurance, which was noteworthy and probably pushed the team over the top. [27:11] The professor who was the advisor in the Spencer Challenge is Carl Barlett. Carl is an attorney by training, and he has the energy to work with bachelor's students. He's graduated hundreds of people out of his program over the last four or five years. [27:59] The University has Career Fairs where 60 or 70 companies will come to meet with students. That's a credit to Carl. Not a lot of companies will come to a university to meet with students. Because of the program he put together, lots of organizations want to hire students. [28:21] The University of Wisconsin-Madison business school is typically ranked number 1. [28:31] A Final Break! The Spencer Educational Foundation's goal to help build a talent pipeline of risk management and insurance professionals is achieved, in part, by its collaboration with risk management and insurance educators across the U.S. and Canada. [28:50] Since 1999, Spencer has awarded over $2.9 million to create more than 570 Risk Management Internships. The Internship Grants application process is now open through October 15th, 2025. [29:06] To be eligible, risk managers must be based in the U.S., Canada, or Bermuda. A link to the Internship Grants page is in this episode's show notes. You can always visit SpencerEd.org, as well. [29:19] Let's Get Back to Our Interview with Jim Swanke of the University of Wisconsin-Madison! [29:46] Jim tells his students that we don't know today what the emerging risks are going to be. What we need to do is design our risk management program and keep our eyes and ears open to what is going to happen next. [30:04] Jim cites The Black Swan, by Nassim Nicholas Taleb. It gets into what we need to do as people of risk management and societies to try to identify the emerging risks that will impact us going forward. [30:21] In risk management, we look at the past to try to project what's going to happen in the future. We were caught by the pandemic. Very little business interruption insurance was offered. If we had been forward-thinking, we would have thought about coverages for the emerging risks. [31:19] An emerging risk after 9/11 was that insurance companies put exclusions on their insurance policies, excluding terrorism. The Federal Government passed the Terrorism Risk Insurance Act (TRIA) and offered it as a backstop to insurance companies. [31:55] Anybody with a captive could access that reinsurance through the U.S. Treasury, using their captive insurance company. [32:23] Jim sees more employee benefits going into captives. The advantages you have in the P&C area are also in place for employee benefits. Organizations with large workers' compensation self-insurance programs are putting excess workers' compensation into captives. [32:57] Jim says you need to be nimble and on your toes. Emerging risks are going to come out over the next 10 to 15 or 20 years. Keep your eyes and ears open so when they emerge, you can deal with them to reduce the frequency and severity of loss and see how to finance them. [33:19] Jim highly recommends reading The Black Swan. It's a good way to begin to think about how you should think about emerging risks. [33:42] Jim says school is going really well. One thing he noticed this year is the diverse nature of his students. There are more disciplines within the risk management area that people are interested in. [33:56] In class recently, Jim had a group that was in the investment banking area, a group that was in HR, and a couple of students from China. There was a broad diversity in the class. [34:16] It enriches the conversation to have people coming from different places with different backgrounds and different educational experiences. It shows the power of having diversity in the classroom. It's exciting. [34:32] The class will write papers on Enterprise Risk Management and talk about captives, and more. They'll compete in the CICA Captive Competition again, to maintain their number one rating there! They're off to a great start! It's nice to see students so highly energized! [34:53] Jim says the future is bright with the students graduating from the Wisconsin School of Business at the University of Wisconsin-Madison. [35:22] Justin and others have liked Jim's broadcasting voice. Jim thanks Justin for commenting on it. [35:55] Jim's time as a DJ was 50 years ago. He recalls two or three instances of hot mikes, when some of the FCC's seven deadly words may have been spoken. He says nobody wants that, but it was a real learning experience. [36:29] Jim recalls when the studio tower was hit by lightning. Jim was alone in the radio station when it happened. Lightning bolts were flying around the building after the tower got hit. The station went off the air, and Jim had to figure out a way to put it back on the air. [36:58] Jim highly recommends to young people, if you get an opportunity to get involved with radio or TV, give it a shot, because it's a lot of fun! Justin ties it to podcasting and video blogging. [37:42] Jim likes all the music of 1976 and didn't have a favorite album. He likes Deep Purple and Bob Seger. He says there's no better songwriter than Bob Seger. There was a diversity of good music going out at that time. It was a wonderful time to be working in a radio station. [38:47] Justin is a father of two young people under 12 who like to listen to classic rock. “Dancing in the Moonlight,” by King Harvest, is a greatest hit in the family. They love Van Morrison. [39:56] On the subject of podcasting, Jim thinks there is an opportunity to develop content that helps the everyday American with their personal insurances, like homeowners, auto, health, life, and how they buy their insurances. [40:45] In class recently, the MBA students, the brightest and best, designing plans for New York investment banks and worldwide financial institutions, told Jim that they had questions about what to buy in auto policies and homeowners policies. [41:07] Jim states that an insurance podcast for the everyday American is something the industry needs to be doing. Justin suggests that members of the global RIMScast audience could pick up the baton and get to work! [41:27] Maybe it becomes part of the coursework for a class like Jim's. It could be part of a challenge, like the Spencer-RIMS Risk Management Challenge. [41:48] Jim says being able to talk about this with graduate students gives them some familiarity with what risk is, in terms of the instability of results. They can relate to it because they need to buy an auto policy or a homeowners policy. [42:03] While these coverages don't match up perfectly with what's going on in the commercial insurance marketplace, learning about them gives students a sense of what insurance is about, what risk management is about, and how to reduce the frequency and severity of losses. [42:22] Jim, it has been such a pleasure to speak with you and to pick your brain on risk management education, broadcasting, and music! Thank you so much for joining us here on RIMScast! [42:33] Good luck to you and your students at the University of Wisconsin-Madison, as you look to the 2026 competitions. I can only imagine they're going to do great things! [42:58] Special thanks again to Jim Swanke for joining us here on RIMScast! For more information, check out the links in this episode's show notes. [43:06] Remember to check out “The Future of Captive Insurance: Governance, Technology, and Performance Optimization”, a Professional Report sponsored by LineSlip. It is available through the Risk Knowledge Page of RIMS.org. That link is also in this episode's show notes. [43:22] The paper features a lot of Jim's fascinating perspective and insights on captives. [43:28] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [43:56] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [44:14] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [44:33] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [44:48] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [45:02] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [45:15] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS ERM Conference 2025 — Nov. 17‒18 Spencer Internship Program — Registration Open Through Oct. 15. RIMS Western Regional — Oct 1‒3 | Bay Area, California | Registration open! RISKWORLD 2026 — Members-only early registration through Sept 30! — Last Call! RIMS-Certified Risk Management Professional (RIMS-CRMP) The Strategic and Enterprise Risk Center RIMS-CRO Certificate in Advanced Enterprise Risk Management — Featuring Instructor James Lam! Next bi-weekly course begins Oct 9. RIMS Diversity Equity Inclusion Council RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 RIMS Risk Management magazine | Contribute RIMS Now “The Future of Captive Insurance: Governance, Technology, and Performance Optimization” — Professional Report, Sponsored by LineSlip | Featuring insight from James Swanke University of Wisconsin-Madison Wins 2025 Spencer-RIMS Risk Management Challenge Internationalpodcastday.com Obituary for Podcasting Trailblazer Todd Cochrane RIMS Webinars: RIMS.org/Webinars “Natural Hazards: A Data-Driven Guide to Improving Resilience and Risk Financing Outcomes” | Oct. 9 | Sponsored by Global Risk Consultants “Jury Dynamics: How Juries Shape Today's Legal Landscape” | Oct. 16, 2025 | Sponsored by Zurich “Parametric Insurance: Providing Financial Certainty in Uncertain Times” | Oct. 30, 2025 | Sponsored by Swiss Re “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World” | Nov. 6 | Sponsored by HUB   Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Virtual Exam Prep — Oct. 29‒30, 2025 RIMS-CRMP-FED Exam Prep Virtual Workshop — November 11‒12 Full RIMS-CRMP Prep Course Schedule Risk Appetite Management | Oct 22‒23 | Instructor: Ken Baker Intro to ERM for Senior Leaders | Nov. 4‒5 | Instructor: Elise Farnham Fundamentals of Insurance | Nov. 11‒12 | Instructor: Chris Hansen Leveraging Data and Analytics for Continuous Risk Management (Part I) | Dec 4. See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes about Education, Risk Talent, and Captives: “Risk Management Momentum with Lockton U.S. President Tim Ryan” “RIMS 2025 Risk Manager of the Year, Jennifer Pack”   Sponsored RIMScast Episodes: “The New Reality of Risk Engineering: From Code Compliance to Resilience” | Sponsored by AXA XL (New!) “Change Management: AI's Role in Loss Control and Property Insurance” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Demystifying Multinational Fronting Insurance Programs” | Sponsored by Zurich “Understanding Third-Party Litigation Funding” | Sponsored by Zurich “What Risk Managers Can Learn From School Shootings” | Sponsored by Merrill Herzog “Simplifying the Challenges of OSHA Recordkeeping” | Sponsored by Medcor “Risk Management in a Changing World: A Deep Dive into AXA's 2024 Future Risks Report” | Sponsored by AXA XL “How Insurance Builds Resilience Against An Active Assailant Attack” | Sponsored by Merrill Herzog “Third-Party and Cyber Risk Management Tips” | Sponsored by Alliant “RMIS Innovation with Archer” | Sponsored by Archer “Navigating Commercial Property Risks with Captives” | Sponsored by Zurich “Breaking Down Silos: AXA XL's New Approach to Casualty Insurance” | Sponsored by AXA XL “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Partnering Against Cyberrisk” | Sponsored by AXA XL “Harnessing the Power of Data and Analytics for Effective Risk Management” | Sponsored by Marsh “Accident Prevention — The Winning Formula For Construction and Insurance” | Sponsored by Otoos “Platinum Protection: Underwriting and Risk Engineering's Role in Protecting Commercial Properties” | Sponsored by AXA XL “Elevating RMIS — The Archer Way” | Sponsored by Archer   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Kristen Peed!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: James Swanke, Lecturer: Risk and Insurance at the University of Wisconsin-Madison's Wisconsin School of Business, Director of the Risk Management and Insurance MBA program Production and engineering provided by Podfly.  

The ASX200 slipped about 0.2 % in the final September session, erasing most of the month’s 1.3 % fall. Materials led, with gold miners supplying the top‑ten performers and DroneShield up 37 %. Energy fell roughly 10 % as oil prices dropped. The RBA held the cash rate at 3.6 %, cutting market odds of a November cut to about 40 %. Upcoming: Oct 29 inflation report and jobs data. The content in this podcast is prepared, approved and distributed in Australia by Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814. The information does not take into account your objectives, financial situation or needs. Consider the appropriateness of the information before acting and if necessary, seek appropriate professional advice.See omnystudio.com/listener for privacy information.

Wall Street recorded another positive session despite markets preparing for a US government shutdown and delays to key economic data releases such as the jobs report on Friday. S&P 500 up 0.4%, Nasdaq rose 0.3%. Dow was choppy from open but found strength in the last hour. Closed near high, up 82 points. Broadly positive sector performance. Healthcare the best performer, boosted by Pfizer rising 6.8% after Trump said he'd cut all prices in Medicaid for lowest-income Americans and expected other pharmaceutical companies to follow suit. Industrials and Materials also contributed positively to gains.  Energy followed oil down as +OPEC plans a supply hike, while Financials and Cyclicals rounded out the negative performers.ASX to open flat. SPI futures down 5 points (-0.06%).Want to invest with Marcus Today? The Managed Strategy Portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

Wall St closed higher on Tuesday as investors overlooked government shutdown fears to post an unusually strong month of September. The Dow Jones rose 0.18% to close at a fresh record high while the Nasdaq added 0.31% and the S&P500 ended the day up 0.41%.With a potential government shutdown looming, investors have been wary about a slowing labour market, the risk of stagflation and elevated stock valuation, so although government shutdowns aren't usually market-moving events, this time we could see market movements as a result. In Europe overnight, markets closed higher led by Germany's DAX rising 0.57%, while the STOXX 600 gained 0.5%, the French CAC climbed 0.19% and, in the UK, the FTSE100 ended the day up 0.54%. Across the Asia markets on Tuesday, markets traded mixed as the latest data out of China showed manufacturing activity contracted for a 6th straight month, with the manufacturing PMI index coming in at 49.8 points. While still in contraction mode, the reading was better than economists were expecting and the strongest reading since March. Japan's Nikkei fell 0.25%, and South Korea's Kospi index lost 0.19%, while China's CSI index gained 0.45%, and Hong Kong's Hang Seng rose 0.95%.The local market closed 0.2% lower on Tuesday following a lacklustre session on Wall St on Monday and investors digested comments out of RBA Governor Michele Bullock after Australia's central bank maintained the current cash rate at 3.6% for the next period. Materials and industrials stocks bucked the trend yesterday to close higher while energy stocks were the hardest hit amid declining oil prices.Ms Bullock said market services inflation remains sticky and has been a key sticking point for the RBA's rate journey over the last year adding to the difficult decisions made around Australia's rate outlook pathway. For this reason, the RBA was content in holding the cash rate at the conclusion of yesterday's meeting for the period ahead.Seven West Media (ASX:SWM) and Southern Cross Media (ASX:SXL) shares rose over 7% and over 6% respectively yesterday on news of a proposed merger between the Australian media giants, while Restaurant Brands New Zealand soared almost 60% after receiving a takeover offer from its majority shareholder, Finaccess Restauracion, a Mexican company.What to watch today:On the commodities front this morning, oil is trading 1.5% lower at US$62.51/barrel, gold is up 0.33% at yet another record US$3845.83/ounce and iron ore is trading 0.09% lower at US$105.35/tonne.The Aussie dollar has further strengthened against the greenback overnight to buy 66.16 US cents, 97.82 Japanese Yen, 49.17 British Pence and 1 New Zealand dollar and 14 cents.Ahead of the midweek trading session the SPI futures are anticipating the ASX will open the day down 0.12%. Trading ideas:Bell Potter has increased the 12-month price target on Pantoro (ASX:PNR) from $2.15 to $2.80 and maintain a hold rating on the diversified mining services group as shares have climbed 130% in one year but some key catalysts and tailwinds including the gold price and new contract wins, are driving a strong growth outlook for the company which led the analyst to increase the 12-month PT and maintain a hold.And Trading Central has identified a bearish signal on Infratil (ASX:IFT) following the formation of a pattern over a period of 54-days which is roughly the same amount of time the share price may fall from the close of $10.73 to the range of $9.40 to $9.70 according to standard principles of technical analysis.

In episode 329, Steve talks about toxic mold prevention and your roof. Steve explains the proper pitch of your roof and the type of roofing materials he suggests. Steve also talks about the proper ventilation you need to prevent mold concerns in the attic. We're trying to grow our Facebook audience and we'd be thrilled if you could go like our page. Copy and paste the link below! https://www.facebook.com/profile.php?id=100063589029834 We appreciate all of you, stay safe and stay well!

Cathy Inglis AM is Group CEO for Think Brick, Concrete Masonry Association & Roofing Tile Associations Australia and is an experienced Materials Engineer and technical expert with nearly 30 years in the building industry with a focus on research, product development and product compliance.Cathy has worked in key leadership roles in management and business development with responsibility for research of new products, technical matters and leading innovation to improve the energy efficiency of operations and to create sustainable building products. Tone Wheeler is an Architect, author, educator and consultant with an abiding interest in environmentally sustainable design (ESD). Since 1986 he has been design leader at environa studio.Tone is a past chair of the AIA National Environment Committee & a past member of the Sustainability Committee. Tone was made AIA Life Fellow in 2022 for his contributions to the discipline and profession of architecture.In this episode, Cathy Inglis & Tone Wheeler explain how we can achieving greater urban density in Australian cities without compromising liveability while also embedding low-carbon materials.

Get ready for what's ahead as we learn more about "Learning To Hear God's Voice Clearly." Today's speaker is Nina Joundi. Materials for this month are taken in part from Pastor Scott Sigman's Torah Class study "7 Ways To Hear The Voice of God." Stay connected with us at: www.newbeginnings.org www.larryhuchministries.com larryhuchministries.com/resources/#podcast

Ben Roberts, investor, discusses microgravity in low Earth orbit. The near-zero gravity effect aids organic processes, allowing materials to form better with fewer defects, lacking sedimentation or convection. 1957

On this episode of The SaaS CFO Podcast, host Ben Murray welcomes Forest Flager, CEO and co-founder of Parspec, for an insightful conversation at the crossroads of technology and the construction industry. Forest shares his compelling journey from growing up in a construction family and working internationally as an architect and engineer, to leading a research group at Stanford and ultimately making the leap into SaaS startups. His winding path led him to co-found Parspec, a platform dedicated to modernizing procurement in construction through AI-driven solutions. Forest dives into how Parspec is tackling the unique challenges faced by wholesale distributors—those crucial intermediaries who connect designers' technical demands with what's available in the market. By leveraging AI, Parspec streamlines the process of parsing project specifications, identifying suitable products, and managing the procurement lifecycle, serving customers across residential, commercial, and industrial construction. Forest also opens up about Parspec's growth strategy, from landing and expanding with major distributors to scaling up their product offering, which has driven significant revenue increases and attracted $31 million in capital. Listeners will gain valuable insights as Forest discusses lessons learned around product-market fit, nurturing referenceable customers, and managing investor relationships through effective signaling. He also teases exciting new developments on Parspec's roadmap, aimed at supporting both distributors and contractors with even more automation and transparency. If you're interested in SaaS growth, usage-based pricing, or the ways AI is reshaping traditional industries, this episode offers a front-row seat to real-world innovations and strategies for scaling a successful startup. Show Notes: 00:00 AI-Enhanced Construction Procurement Platform 05:07 "Automated Product Documentation Launch" 09:52 Validating Product Roadmap with Customers 11:59 Preemptive Fundraising and Investor Relations 14:33 Delayed Marketing Strategy Adjustment 17:15 Usage-Based Pricing Model Explanation 22:35 HQ & Engineering Team Locations 23:53 "Full-Cycle Procurement Solution Platform" Links: SaaS Fundraising Stories: https://www.thesaasnews.com/news/parspec-raises-11-5-million-in-seed-round https://www.thesaasnews.com/news/parspec-raises-20-million-in-series-a Forest Flager's LinkedIn: https://www.linkedin.com/in/forestflager/ Parspec's LinkedIn: linkedin.com/company/parspec Parspec's Website: https://www.parspec.io/ To learn more about Ben check out the links below: Subscribe to Ben's daily metrics newsletter: https://saasmetricsschool.beehiiv.com/subscribe Subscribe to Ben's SaaS newsletter: https://mailchi.mp/df1db6bf8bca/the-saas-cfo-sign-up-landing-page SaaS Metrics courses here: https://www.thesaasacademy.com/ Join Ben's SaaS community here: https://www.thesaasacademy.com/offers/ivNjwYDx/checkout Follow Ben on LinkedIn: https://www.linkedin.com/in/benrmurray

In this episode, Nick Carfora and Daniel Moore speak with interior designer Nancy Beka (not a registered architect), Co-Director of Studio Edwards, about carving a unique path into Melbourne's design scene and redefining sustainable practice. Originally from Adelaide, Nancy's journey began with the challenge of breaking into a competitive industry. After relocating to Melbourne, she quickly made her mark by creating initiatives during the pandemic to keep the design community connected remotely. These projects became a platform for exploring innovative materials, zero-waste strategies, and new ways of thinking about construction. Nancy shares how founding Alt Material, a collaborative forum for experimental and sustainable design, opened opportunities to work with like-minded creatives and expand her understanding of material life cycles. Her commitment to circular design thinking shines through in projects like Today Studio, a workplace fit-out that champions adaptive reuse, material passports, and honest, low-waste detailing, earning recognition in the Australian Interior Design Awards. Named to the Australian Design Review 30 Under 30, Nancy reflects on the value of mentorship, community, and storytelling in building a resilient practice. Her experience shows how curiosity, collaboration, and a commitment to sustainability can transform challenges into opportunities and reshape the way we design, build, and connect. Our sponsor Brickworks also produces architecture podcasts hosted by Tim Ross. You can find ‘The Art of Living', ‘Architects Abroad, and ‘The Power of Two', at brickworks.com.au or your favourite podcast platform. If you'd like to show your support please rate, review, and subscribe to Hearing Architecture in your favourite podcast app. If you want to know more about what the Australian Institute of Architects is doing to support architects and the community please visit architecture.com.au This is a production by the Australian Institute of Architects Emerging Architects and Graduates Network, in collaboration with Open Creative Studio. The Institute production team was Katie Katos, Claudia McCarthy, and Mark Broadhead, and the EmAGN production team was Nick Carfora and Daniel Moore. This content is brought to you by the Australian Institute of Architects Emerging Architects and Graduates Network, in collaboration with Open Creative Studio. This content does not take into account specific circumstances and should not be relied on in that way. This content does not constitute legal, financial, insurance, or other types of advice. You should seek independent verification or advice before relying on this content in circumstances where loss or damage may result. The Institute endeavours to publish content that is accurate at the time it is published, but does not accept responsibility for content that may or will become inaccurate over time. We respectfully acknowledge the Traditional Owners of country throughout Australia where this podcast was produced, as the first storytellers, the first communities and the first creators of Australian culture. I extend that respect to the Traditional Custodians of country throughout the multiple places abroad where this podcast was recorded.  We thank Traditional Custodians for caring for Country for thousands of generations.  and recognise their profound connection to land, water, and skies.

As concerns continue to grow over ICE detention and enforcement in California, the agency is also ramping up its hiring efforts, as it aims to bring on 10,000 new agents by the end of the year. But some experts say the agency's recruitment strategy is filled with white nationalist messages and imagery. Reporter: Gustavo Solis, KPBS After months of delays and refinement, supervisors in Shasta County, which has for years been at the center of election integrity debates, have approved funding for new changes to the county's voting system. Reporter: Roman Battaglia, Jefferson Public Radio Learn more about your ad choices. Visit megaphone.fm/adchoices

Send us a textIn this exclusive symposium, hosted by Shawn Severson (Founding Partner & CEO) and Dmitry Silversteyn (Managing Director – Chemicals & Materials), industry leaders break down:Current market dynamics: global demand trends, supply bottlenecks, pricing pressures, and the role of top mining and processing regions.National security implications: why reducing dependence on China and other concentrated markets is critical for energy transition, defense, and technology sectors.Domestic infrastructure buildout: steps companies are taking to develop U.S. and allied processing capacity, including capital strategies, regulatory hurdles, workforce development, and government support.Actionable insights: what's needed to overcome challenges and accelerate domestic critical materials production for long-term resilience.This WTR Small-Cap Spotlight Symposium brings together executives from leading critical elements mining and processing companies to explore why building a secure, mine-to-materials supply chain is now a matter of national security—far beyond economics.Whether you're an investor, policymaker, or industry stakeholder, this episode delivers a front-row view into the future of critical elements and the companies shaping the global supply chain.

U.S. Immigration Customs and Enforcement (ICE) is in the midst of an unprecedented hiring binge, with a goal of hiring 10,000 agents by the end of the year.In a two part series, KPBS reporters look into how ICE recruiting efforts are using white nationalist messages and imagery and relying on veterans to fill job openings. We discuss the details.Also, more immigrants are being placed in isolation cells in San Diego's Otay Mesa Detention Center.We talk about how the trend fits in with the use of "segregation" in detention facilities across the country.Guests:Andrew Dyer, military and veteran affairs reporter, KPBSGustavo Solis, investigative border reporter, KPBSSofía Mejías Pascoe, border and immigration reporter, inewsource

BioPlaster from Mexico transforms invasive sargassum algae into high-performance, certified biodegradable materials that replace petroleum-based plastics in packaging and textiles. Their product line includes compostable films, bags, foams, and threads designed for circularity, industrial scalability, and environmental impact. Listen to the story of Andrea and Daniel, Co-founders of BioPlaster Research, about how they're taking the 38M metric tons of sargassum algae that washes up on the Caribbean coast every year and converting it into biodegradable solutions for the $900B plastic industry. They have over $5.3M in LOIs from partners like IKEA suppliers, Great Packaging, AbaMex, and our portfolio company Refurbi and will start commercialisation early 2026. Angel investors Lorena Compean and Stephanie Groen join the Investor Talk at the end of this podcast.Hosted by Maaike Doyer, founder of Epic Angels.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   Justin divides this episode into three segments. He first interviews Eddie Tettevi, Sandbox Mutual Insurance CRO and RIMS Canada Council Chair — DEI and Comms, about his risk career and his service on the RIMS Canada Council. In the second segment, Justin interviews Janiece Savien-Brown, Metro Vancouver, and Shaun Sinclair, BCIT, about the C2C Challenge and the winning student team. The third segment is a recording of "Intentional Mentorship," an improvised session from the DEI Studio, featuring Dionne Bowers, Co-Founder & Chair of the Canadian Association of Black Insurance Professionals (CABIP), Ray Chaaya, Head of talent for Zurich Canada, and Natalia Szubbocsev, Executive Vice President at Appraisals International Inc.   Listen to learn about some exciting events of the RIMS Canada Conference 2025.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. This episode was recorded live on September 15th, 16th, and 17th at the RIMS Canada Conference 2025, at the Telus Convention Center in Calgary. We had a blast! We will relive the glory of the RIMS Canada Conference in just a moment, but first: [:50] RIMS Virtual Workshops! RIMS has launched a new course, “Intro to ERM for Senior Leaders.” It will be held again on November 4th and 5th and will be led by Elise Farnham. [1:07] On November 11th and 12th, my good friend Chris Hansen will lead “Fundamentals of Insurance”. It features everything you've always wanted to know about insurance but were afraid to ask. Fear not; ask Chris Hansen! RIMS members enjoy deep discounts on virtual workshops! [1:26] The full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's notes. [1:37] Several RIMS Webinars are being hosted this Fall. On October 9th, Global Risk Consultants returns to deliver “Natural Hazards: A Data-Driven Guide to Improving Resilience and Risk Financing Outcomes”. [1:50] On October 16th, Zurich returns to deliver “Jury Dynamics: How Juries Shape Today's Legal Landscape”. On October 30th, Swiss Re will present “Parametric Insurance: Providing Financial Certainty in Uncertain Times”. [2:07] On November 6th, Hub will present “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World”. Register at RIMS.org/Webinars. [2:20] On with the show! It was such a pleasure to attend the RIMS Canada Conference 2025 in Calgary. There's always electricity in the air at RIMS Canada, and I wanted to capture some of it!  [2:33] We've got two interviews, and then an improvised session I recorded at the DE&I Studio. The sound came out great, and I used it here with the panelists' permission. [2:49] We've got excellent education and insight for you today on RIMScast! My first guest is Eddie Tettevi. He is the Chief Risk Officer at Sandbox Mutual. He's a very active member of the Saskatchewan RIMS Chapter and a member of the RIMS Canada Council. [3:11] We're going to talk about his risk management career, his RIMS involvement, and how his insights from one of his RIMS DE&I sessions led to this discussion. [3:24] First Interview! Eddie Tettevi, welcome to RIMScast! [3:38] Eddie is the Chief Risk and Compliance Officer at Sandbox Mutual Insurance. He's also the Corporate Secretary, which means he helps the organization navigate strategic initiatives within the boundaries of risk appetite and regulatory compliance. [4:12] Eddie has been at Sandbox for approximately two years. When he joined the company, Sandbox was going through a period of rapid growth and taking the right risks. That was something Eddie looked forward to being involved in. [4:54] The CRO role was not an independent role at Sandbox before Eddie started. It was held by the Chief Financial Officer. The CCO role was held by HR. The Corporate Secretary role was held by the CEO. Eddie fills the three roles in his new position. His background fits all three roles. [6:06] Eddie normally leads a risk group of three. Eddie was previously in cyber for 13 or 14 years. His background is in electrical engineering and computer science. He helped organizations secure their software and network. [7:02] Eddie doesn't think risk management is any different. He's helping organizations make the right decisions. The difference is that the portfolio is much larger. Cybersecurity is one aspect of Eddie's risk management work. [7:33] Eddie says cyber attacks are growing. Individuals who may not be skilled are using AI tools to perpetrate cyber attacks. The attacks are increasing exponentially in skill and sophistication. [8:09] Eddie co-hosted a session in the DE&I Studio with Aaron Lukoni and Tara Lessard-Webb, focused on understanding how mental health plays a part in risk management and how organizations should think about mental health as part of a risk management framework. [8:31] The session was “Building Resilient Workplaces, the Role of Mental Health in Risk Management.” In it, Eddie revealed he is skilled in multiple languages, but an expert in none, including English. He grew up with influences from English, French, Malay, and Creole Patois. [9:38] Eddie loves learning about new cultures. That has influenced his accent. In every language he speaks, he has an accent, which makes it interesting. He has worked in French and English organizations. He learns languages in six months. He picks them up quickly. [10:50] Eddie, Aaron, and Tara emphasized making sure we are thinking about and embedding mental health in our risk framework. [11:02] When designing any strategies and initiatives, risk professionals should consider what's happening in the organization. An organization going through a lot of change is already a stressed organization. You have to consider that as you introduce more change. [11:40] Eddie says the award-winning Saskatchewan RIMS Chapter is exciting. It's great to work with people who are interested, dedicated, and committed. He says the chapter is doing some incredible things, such as introducing risk courses into the universities in the province.  [12:15] Eddie was a RIMS member before joining Sandbox. You can be a RIMS member without joining a chapter. Moving to Saskatoon created the opportunity for Eddie to join the Saskatchewan RIMS Chapter, which he had been looking forward to, to connect with people. [12:36] Justin gives shoutouts to various Saskatchewan Chapter members. [13:03] Eddie serves on the RIMS Canada Council as Chair of the Communications, External Affairs, and DEI Committee. [13:22] The committee is responsible for making sure that all RIMS communications have a DEI lens and advocate for the risk community, partnering with other advocacy groups around Canada. [13:52] Justin says it's been such a pleasure to meet you and hang out with you! I look forward to seeing you at more RIMS Canada and RIMS events. [14:02] Our next guests organized the 2025 C2C Coast to Coast Challenge. This is a competition for risk management students based in Canada. We'll learn about the case studies and what it took to produce their presentations, and also have a chance to acknowledge the winners. [14:19] We will hear from Shaun Sinclair, the Program Head of General Insurance and the Risk Management Program at British Columbia Institute of Technology, and Janiece Savien-Brown, the Manager for Risk and Claims Management at Metro Vancouver. [14:35] We're going to learn about their various roles, as well. Let's get to it! [14:39] Second Interview! Shaun Sinclair and Janiece Savien-Brown, welcome to RIMScast!  [14:47] Janiece Savien-Brown is the Manager of Risk and Claims Services with Metro Vancouver by day. She has been involved with BCRIMA for 17 or 18 years. BCRIMA started the Coast 2 Coast Legacy Challenge three years ago. Last year was its first year in Vancouver. [15:07] Shaun Sinclair is the Program Head of the General Insurance and Risk Management Program at BCIT, an institute of technology in Vancouver and Burnaby, B.C. [15:17] They teach students insurance and risk management courses. Students graduate with a CRM and a Chartered Insurance Professional designation. [15:26] Shaun is also the President of BCRIMA this year. He has been a BCRIMA member for a long time. This C2C Legacy Challenge was awesome for Shaun because two teams from BCIT got into the finals. Shaun had to recuse himself.  [15:51] Janiece says the RIMS Canada Conference 2025 was fantastic! Shaun was there with seven students, and it was awesome to see what they were learning. The students told Shaun they loved everything about it. [16:45] The two finalist teams were The Deductibles and Insure and Conquer. This year's submissions were highly creative and impactful. [17:10] Shaun has been involved in Risk Management Challenges for years and has been to the nationals several times with groups. Shaun stays pretty hands-off. The students get the challenge, and Shaun discusses it with them. He figures out what they need from him to do it. [17:42] In this case, a root cause analysis wasn't needed. They learned how to do a Failure Mode and Effects Analysis (FMEA), a heat map, and gather general knowledge. Then he let them go. They came up with the 10-page report. He didn't watch their presentation until they went live. [18:14] Their champion for the challenge was Ken Letander. The challenge was a procurement question. If your organization's ownership is 51% Indigenous, and you keep your staff 33% Indigenous, money comes your way for contracts. [18:48] When the contract is over and it's time to get the money, but the organization refuses to give that information, how do you make sure they have the 33% Indigenous staff and 51% Indigenous ownership? Do you need pictures, or can you use Elders to say it's enough? [19:12] The students had to read a lot about risk and the rules and regulations regarding this question. They had to read the Canadian government's language on what the rules are. It was an interesting case. [19:38] Janiece didn't envy them at all. The students came up with some solutions for Ken Letander, and he was thrilled with what came from all of the reports. [20:33] Janiece says the presentations were phenomenal from both teams, as well as the written submissions. The collaboration came through and showed they owned the essence of the project. You could see the desire of the top team to make it work. [21:12] Shaun says the cases used in C2C are pretty much real cases. Janiece says last year's case competition had to come up with an equitable access tool to use in the system. After Janiece had surgery, she was given a survey, and she recognized it from the case study. [22:26] Justin says it's great that the students collaborate. You need teamwork. [22:54] Shaun says you hear a lot about isolation. He says BCIT is sometimes called “Being Crammed Into Teams.” Shaun and the other teachers assign projects where students are forced to work with at least three or four people. [23:13] After two years of group projects, collaboration is relatively easy. Shaun also makes the students hand-write their exams. They learn how to think through a problem and put it down on paper. Afterward, they go outside and talk about what they did. [24:52] Shaun's advice to academics and students entering a C2C challenge is to follow the rules. If they say 8-point font, 10-page maximum, don't send 14 pages. The instructor should help students understand the material and then step back. Let the students do it. It's on them. [25:42] Janiece says it is key to engage at the conference. While the Challenge is the key feature, the experience at the RIMS Canada Conference is a large part of it. Be present. Don't be on your phones the whole time. Attend sessions. Come to the events, have fun, and network. [26:07] Janiece was at an event, and five people came up to her and asked if she had brought the BCIT students (Shaun had). [26:22] People were absolutely amazed at how engaging the students were, willing to put themselves out there, and setting meetings with people in BC for opportunities when they come back. That's part of the experience. [26:40] Shaun points out that a couple of the students are quite shy and have come out of their shells because they've had to talk to people. The more you do it, the better you get at it. [27:01] Janiece reports that at one of the events, the students who were in Vancouver from Calgary came out and met with her students. RIMS, RIMS Canada, and the local chapter promote engagement. [27:31] The 2025 C2C Challenge Calgary winner is The Deductibles, 1.95 points ahead of Insure and Conquer. Insure and Conquer did an awesome job as well. [28:11] The Deductibles team is: Rabia Thind, Triston Nelson, and Ryan Qiu. [28:32] Parting advice for risk students as they step into their careers: Shaun says, if you're going to be an accountant or finance student, think about insurance risk management. Amazing career opportunities in fields that cover everything are all within your grasp. Put it on your radar. [29:26] Janiece says she is living proof of that. She was going to be an accountant. After a car accident, she switched to insurance and risk. It's a lifestyle. She has gained many friends, colleagues, and mentors. She started as an adjustor and after 31 years, she's still in the industry. [29:54] Shaun says you can swap jobs from broker to underwriter, to claims, to risk manager, to education, and not start again at the bottom. It's an amazing career. [30:26] Justin says Thank you so much, it's been such a pleasure to reconnect with you here at the Telus Convention Center in Calgary, for RIMS Canada Conference 2025. Shaun and Janiece are already thinking about the C2C Challenge in 2026. We'll see you there! [30:51] As I said at the top, we're going to close things out with an improvised session called “Intentional Mentorship,” which was produced at the DE&I Studio. [31:19] Improvised Session, “Intentional Mentorship,” at the DE&I Studio! With the insights of Dionne Bowers, the Cofounder and Chair of CABIP, Ray Chaaya, the Head of Talent at Zurich Canada, and Natalia Szubbocsev of Appraisals, International. Please enjoy! [31:40] Natalia Szubbocsev introduces the panel. Natalia is the Executive Vice President at Appraisals, International, an insurance appraisal company, global but small, with a diverse, inclusive team. Natalia has been a mentee and a mentor and is glad to contribute her insights. [32:38] Dionne Bowers is the Co-founder and Chair of the Canadian Association of Black Insurance Professionals, a nonprofit organization, and has recently joined Markel Canada as one of their business development Colleagues. [32:57] Ray Chaaya is head of talent for Zurich Canada. Ray oversees talent acquisition, talent development, and talent management, as well as the culture portfolio for the company, DEIB, and community impact. [33:15] Natalia asks What does mentorship, particularly inclusive or intentional mentorship, mean for you? Dionne says that it is a strong commitment by both the mentor and the mentee to work together for growth opportunities. [33:38] Intentional mentorship is the dedication that each party has to bring to the table, and fulfilling any sort of mandates that have been asked by both. Depending on the program, it's making sure that everyone is on the same page in terms of what they want from each other. [34:04] Ray agrees with Dionne. There has to be a mutual benefit. Ray has been a mentee and a mentor, and finds that the most valuable mentorship relationships are where the mentor and the mentee walk away feeling like they're learning something every day, having a conversation. [34:30] Ray says it's a two-way street and a relationship that can often last for years, because it is a relationship where the value is long-term. Ray talks to young people, and they ask, You're my mentor, what do I do? It doesn't work that way. It's a long-term investment. [34:56] Natalia says that traditional mentorship, besides being one of the best ways of professional development, is also to transfer knowledge from someone who has the experience to someone junior in his or her role. What other purpose does mentorship serve? [35:19] Dionne says it's also recognizing that it's an opportunity for learning from one another. A mentor is a seasoned insurance professional who is working with someone who is a new entrant to the industry. [35:37] It's recognizing that a mentor and a mentee are learning from each other. Strength in development is making sure that you are taking away something from each other, each time you meet, connecting and learning trends and thoughts, and diversity of thought. [36:10] Dionne asks, How can we do things differently? She has learned a lot from young people. Dionne thought she was cool, but apparently, she's not. And she's just taking away a lot of that into her own world, professionally and personally. [36:23] Natalia says her experiences are not just intergenerational, but in Canada and beyond, intercultural. She says what needs to be respected and adapted to, both by the mentor and the mentee, is that you're coming from different backgrounds. [36:45] In a global setting, that will affect communication, that will affect the thought processes, that will affect everything; the way we do things. Because Natalia leads a global team, she has to be adaptable, sensible, and respectful of the cultural nuances. [37:07] At the same time, she asks her mentees or team to do the same for her, because she comes from a very specific background. She has an Eastern European background. It doesn't matter that she's lived in Canada for 25 years. [37:25] Her background defines the way she communicates, thinks, and handles things. Every culture communicates differently. That's an overall mutual understanding, knowing that we all come from different backgrounds. [37:47] Dionne says there has to be a willingness to learn. There's no point in having a mentor-mentee relationship where it's just going to be closed off, and this is what we're going to talk about. There has to be a willingness to learn. [38:07] Ray says there's a learning agility piece. You have to be flexible in how the relationship is going to go. Every mentorship relationship is different, too. There are no steps on how to be a good mentor or a good mentee. [38:25] It's the chemistry between the two, the value that you bring to each other, and the conversations. The maturity of a mentorship can also go into sponsorship. [38:37] When Ray has a conversation with somebody, and they get to know each other, and feel what they want to get out of this, he can be a voice for that person. It goes back to the conversation of lifting others when you can. [38:54] When Ray thinks back to his mentors who stick out in his mind. He has a lot of respect for them. They are the people who spoke about him when he was not in the room, and had his back in that room when he was not there. [39:15] Those are the people, as Ray matures in his career, he doesn't know that he would be here today if it weren't for those mentors. And that is what he hopes he can bring to somebody else as a mentor. [39:29] Natalia says, in a global setting where she works, boosting confidence is very important. In a multicultural global setting, it's important to encourage someone in a different country, who communicates differently, that it doesn't matter, they can do it. [39:50] We are working on a common goal. That's part of the sponsorship/mentorship/training. [40:08] Ray says you have to be honest as a mentor. The toughest times for Ray were when he realized he was trying to make this work for a person, but to be honest with himself, as a mentor, he should be encouraging this person to look somewhere else, at what their passions are. [40:33] He went into it thinking he wanted this person to be the best they could be at this job. And he realized that's not his job as a mentor. [40:43] His job is to understand what they want out of their career, where they bring value, where their passion is, and guide them to make sure that they ultimately are happy with their career, and they're bringing value to society, and they're contributing to the community. [41:06] One specific person Ray was mentoring, he was desperate to fit them into the insurance industry, because that's how he was programmed. He was thinking, Why is this not working? And he realized it's not working because they don't want to do this. [41:25] And as a mentor, Ray's job now is to say, What do you want to do, and let's help you get there. And when he made that mind shift, it just clicked. That was a little bit of a learning opportunity. Now he's a better mentor for learning that. [41:42] Dionne agrees with that. She had one mentor who told her, If you plan to give back as a mentor, don't have any expectations, or you're setting yourself up for failure. [42:05] A lot of mentors have a similar approach, because we don't know. We want it so badly. We want to be able to say, I did that. I helped them get to wherever. If you have a mentee who is not in the mindset, and you're not sure that this is for them, have that conversation. [42:38] It's important to recognize that you're going to impact their lives differently. Even though you have that mentor-mentee relationship, you may be asking them to reconsider dipping their foot into the industry. [42:55] Natalia says not making assumptions about the other person and having that curiosity, openness, and mutual communication is very important. [43:05] How do you build in mentorship or inclusive or intentional mentorship into your organization? Ray says mentorship programs should be part of any industry, any corporation, or any organization. If you expect people to learn and grow, they need mentors. [43:30] Ray says Zurich has baked in mentorship programs into a lot of its development programs. Your development means you get a mentor, and you learn from that mentor. They bake it into the development strategy that's already there, and don't make it an off-site thing. [43:57] It shouldn't be another thing; it should just be part of your growth and development. And so, whenever they can bake it in, that's what Zurich does. [44:04] Zurich also has amazing employee resource groups that champion a lot of its programs, and the Zurich African and Caribbean Alliance, ZACA, which has worked with KBIP, is a massive champion of its mentorship program. [44:19] Just two or three months ago, Zurich held a mentorship day and increased the mentors on its mentorship platform by 48%. It was just another thing that was out there that nobody was talking about, and another thing people had to sign up for. [44:39] Zurich's employee resource group put a spotlight on it, and they showed the value, and they made it part of the ERG's culture to participate in mentorship. Then all of those ERG participants signed up to be mentors, and now are actively mentoring. [45:00] You really need to look at it from a strategy perspective. It can't just be an extracurricular activity that you add on. [45:08] Dionne agrees. KBIP works with organizations like Zurich, and with the ZACA program and the team, but also does the work for organizations that are not there yet or not willing to put the extra effort in to embed it into the DNA of the organization. [45:33] Part of KBIP's mandate is to create a mentorship program specific to Black insurance professionals. It doesn't matter where you're from, international or domestic student, or anyone who wants to be part of the organization and get extra support to build on their career trajectory. [46:02] What do mentors get out of mentorship? Dionne says as a mentor, she gets satisfaction from seeing someone excel, not necessarily from start to finish. You could be at the tail end of their journey, you could be at the beginning, or you could be in the middle. [46:36] If there is a desired outcome for both parties, and there's success, when someone calls you or texts you and says, You know what, I got that job, or I was recognized for doing XYZ, that is satisfaction. That is success. [47:00] Ray says his passion is helping people grow and develop. He started his HR career in learning and development, because he used to be intrinsically rewarded when he saw somebody learn something he taught them, or he trained them on. That felt like a superpower. [47:21] When Ray can do that with the programs Zurich runs, and he interviews people and watches their growth, and they are so grateful; to Ray, that is worth it all. You don't even have to pay him for that. He will volunteer and do that his entire life because of what he gets out of it. [47:47] Natalia agrees. There are obvious advantages from an organizational point of view, but from an individual point of view, Natalia feels that she has arrived at a point where there's no ego anymore. She wants to transfer her knowledge to someone. [48:04] Natalia wants to tell someone that they can do it. Because she did it, they can do it as well. And that's a very important aspect of mentorship. [48:15] How do you make mentorship intentional and inclusive? Ray says it means they have to see the value. It has to be part of the business strategy. Anything that is not intentional, people think, Why do I have to do this, on top of everything else that I need to do? [48:36] The second we are making it intentional, it has to make sense. This is why I'm doing this, because it's going to benefit me, it's going to benefit the company, and it's going to benefit the people I'm impacting. [48:47] They have to see the strategic business value, and with mentorship, it's easy. Because there's massive value for the organization, there is a massive competitive edge if you're doing it properly, and there is massive learning and development for your workforce. [49:05] You just need to sit down with professionals like KBIP, with people who have thought through it, and understand how to help you bake it into the strategy. Just do the work. Anything intentional has to make sense. If it does not make sense, it can't really be that intentional. [49:28] Dionne says that in every organization, when you are constructing your missions and your value statements, it's sitting down as an executive team, and asking, How can we execute on this? What does that mean? Mentorship is something that bleeds into your brand. [49:57] The brand recognition from a competitive edge standpoint is huge. Dionne says she can walk into a school for outreach programs and say, Zurich is a market of choice. You would want to work with Zurich because of this, this, and this. [50:14] If you can tell them that they're going to be supported along the way with their career, that's added value. That is something that will definitely differentiate Zurich in the marketplace. [50:26] Dionne adds that being intentional is huge because when you are not, people can see right through that. That is where you create toxic cultures. [50:39] It's not in a company's best interest to ignore the opportunities that stem from mentorship programs. [50:47] Natalia says she's not an HR professional, but she imagines that mentorship has a great role in not just attracting the right talent, but in retention as well. [50:58] Ray affirms, 100%. It's part of your growth and development. Sure, you can use it as a competitive edge to attract people, but if you're not doing it right, then they're not going to develop and grow, and that competitive edge is really just smoke and mirrors. It's not real. [51:15] So, if you're going to do it right, you have to develop people and grow people through your mentorship programs, and you have to show the results for it. [51:26] Dionne adds, That speaks to the inclusivity part of diversity, equity, and inclusion. If you can build a strategy that equates to inclusion, it equates to retention. It's not rocket science.  [51:49] Ray says Zurich is really good at that. [51:52] Final thoughts on intentional mentorship. Dionne says, “Just do it. I'm a Nike gal. Just do it.” [51:59] Ray says, “I wouldn't be where I am in my career if it weren't for my mentors and my sponsors. And so, if you see potential, mentor the heck out of that potential, because they will thrive.” [52:15] Dionne says, “And acknowledge it. I think that's a big part of that strategy.” [52:21] Natalia thanks Ray, Dionne, and the RIMS DE&I Studio for picking up this topic, a very important topic, and she hopes you enjoyed the session. [52:38] Justin says special thanks again to all of our guests here at the RIMS Canada Conference 2025. Be sure to mark your calendars for October 18th through the 21st, 2026, for RIMS Canada, which will be held in Quebec City. [52:55] Shout out to the RIMS Canada Council for producing another fantastic conference and to the RIMS Events Team and all my RIMS colleagues who worked tirelessly to make the last three days so smooth. It's such a pleasure to work with you all. I look forward to seeing you next year. [53:14] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [53:43] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [54:02] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [54:19] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [54:35] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [54:50] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [55:02] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: From RIMS Canada: “RIMS Ontario Chapter Honours Bombardier's Daniel Desjardins with the 2025 Donald M. Stuart Award” RIMS ERM Conference 2025 — Nov. 17‒18 Spencer Internship Program — Registration Open Through Oct. 15. RIMS Western Regional — Oct 1‒3 | Bay Area, California | Registration open! RISKWORLD 2026 — Members-only early registration through Sept 30! RIMS-Certified Risk Management Professional (RIMS-CRMP) The Strategic and Enterprise Risk Center RIMS-CRO Certificate in Advanced Enterprise Risk Management — Featuring Instructor James Lam! Next bi-weekly course begins Oct 9. RIMS Diversity Equity Inclusion Council RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 RIMS Risk Management magazine | Contribute RIMS Now RIMSCanadaConference.ca RIMS Webinars: RIMS.org/Webinars “Natural Hazards: A Data-Driven Guide to Improving Resilience and Risk Financing Outcomes” | Oct. 9 | Sponsored by Global Risk Consultants “Jury Dynamics: How Juries Shape Today's Legal Landscape” | Oct. 16, 2025 | Sponsored by Zurich “Parametric Insurance: Providing Financial Certainty in Uncertain Times” | Oct. 30, 2025 | Sponsored by Swiss Re “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World” | Nov. 6 | Sponsored by Hub   Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP-FED Exam Prep Virtual Workshop — November 11‒12 Full RIMS-CRMP Prep Course Schedule Risk Appetite Management | Oct 22‒23 | Instructor: Ken Baker “Intro to ERM for Senior Leaders” | Nov. 4‒5 | Instructor: Elise Farnham “Fundamentals of Insurance” | Nov. 11‒12 | Instructor: Chris Hansen “Leveraging Data and Analytics for Continuous Risk Management (Part I)” | Dec 4. See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes with 2025 RIMS Canada keynotes: “Distilling Risk and Resilience with Manjit K. Minhas” “On Resilience with Amanda Lindhout” “Thoughts and IDEAs on Inclusivity with Michael Bach”   Sponsored RIMScast Episodes: “The New Reality of Risk Engineering: From Code Compliance to Resilience” | Sponsored by AXA XL (New!) “Change Management: AI's Role in Loss Control and Property Insurance” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Demystifying Multinational Fronting Insurance Programs” | Sponsored by Zurich “Understanding Third-Party Litigation Funding” | Sponsored by Zurich “What Risk Managers Can Learn From School Shootings” | Sponsored by Merrill Herzog “Simplifying the Challenges of OSHA Recordkeeping” | Sponsored by Medcor “Risk Management in a Changing World: A Deep Dive into AXA's 2024 Future Risks Report” | Sponsored by AXA XL “How Insurance Builds Resilience Against An Active Assailant Attack” | Sponsored by Merrill Herzog “Third-Party and Cyber Risk Management Tips” | Sponsored by Alliant “RMIS Innovation with Archer” | Sponsored by Archer “Navigating Commercial Property Risks with Captives” | Sponsored by Zurich “Breaking Down Silos: AXA XL's New Approach to Casualty Insurance” | Sponsored by AXA XL “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Partnering Against Cyberrisk” | Sponsored by AXA XL “Harnessing the Power of Data and Analytics for Effective Risk Management” | Sponsored by Marsh “Accident Prevention — The Winning Formula For Construction and Insurance” | Sponsored by Otoos “Platinum Protection: Underwriting and Risk Engineering's Role in Protecting Commercial Properties” | Sponsored by AXA XL “Elevating RMIS — The Archer Way” | Sponsored by Archer   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Kristen Peed!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guests: Eddie Tettevi, Sandbox Mutual Insurance CRO RIMS Canada Council Chair — DEI and Comms Janiece Savien-Brown, Metro Vancouver Shaun Sinclair, BCIT "Intentional Mentorship" improvised session from the DE&I Studio, featuring: Dionne Bowers, Co-Founder & Chair of the Canadian Association of Black Insurance Professionals (CABIP); Ray Chaaya, Head of talent for Zurich Canada; Natalia Szubbocsev, Executive Vice President at Appraisals International Inc.    Production and engineering provided by Podfly.  

We often hear the claim that creationism is a recent theological error, but there have been young age creationists for most of the history of the church. In this episode, Todd and Paul chat with Warren Johns about the Scriptural Geologists, a group of creationists active during the earliest growth of the science of geology. Back before geologists were geologists, there were still creationists holding the faith! Learn all about them in this week's episode of Let's Talk Creation!Materials mentioned in this episodeJohns, Warren H. “Scriptural Geology, 1820-1860: An Essay and Review.” Origins, no. 62 (Jan. 1, 2008). Online link: https://www.grisda.org/origins-62042Johns, Warren H. “Scriptural Geology, Then and Now.” Answers Research Journal, vol. 9 (2016). Online link: Scriptural Geology, Then and NowMortenson, Terry. 2004. The Great Turning Point. https://a.co/d/9xeZ6i2Young, George, and John Bird. 1822. A Geological Survey of the Yorkshire Coast. http://www.biodiversitylibrary.org/title/44925.Haber, Francis. 1959. Age of the World: Moses to Darwin. https://a.co/d/hMgPjS4The list of Terry Mortenson's articles on the scriptural geologists are found at the bottom of his biography hosted by Creation Ministries International.https://creation.com/en/people/dr-terry-mortensonNelson, Byron. 1931. The deluge story in stone: A history of the flood theory of geology. https://creation.com/en/people/dr-terry-mortensonMcIver, Tom. 1992. Anti-Evolution: A Reader's Guide to Writings Before and After Darwin. https://a.co/d/h0sFClc

Margaret Upshur is CEO of Mobius Materials, a global online marketplace for excess electronic components. Before founding Mobius, she was senior director of operations at Particle, which supplies application infrastructure for deploying software and models on computing or IoT devices. And while in college she cofounded a company that made a hand-held device to detect the alcohol content of liquids. Noting some $15 billion or more is wasted each year in unused or obsoleted components, Upshur founded Mobius to provide a platform for trading excess inventory much in the way Wall Street brokers trade stocks.  We discuss her model for a sustainable, resilient supply chain; why the buyers and sellers on the Mobius platform can trade anonymously; as well as the PCB Community Meetup featuring a panel on the Ever-Changing Procurement Environment Mobius is sponsoring at PCB West on Oct. 1.

Students across Ireland saved the equivalent of 1.5 million AA batteries from landfill last school year - the weight of close to four school buses - with one small school collecting nearly 2,000 AA batteries per person. Cloonfour National School in Roscommon, with just 40 pupils, proved that even the smallest schools can make a massive impact as they rallied their families and community to collect used batteries for recycling and win their category in the national WEEE Ireland Schools Battery Recycling Competition. Other winning schools hailed from Galway, Carlow, Roscommon, Waterford and Donegal, with each awarded a €2,000 sports voucher for their efforts. This year's competition launches as the new EU Batteries Regulation come into full effect, bringing higher waste battery collection, recycling and recovery targets. WEEE Ireland is calling on schools, families, and communities nationwide to get involved by gathering used batteries for recycling and help Ireland meet these ambitious goals - while supporting environmental protection and the programme's charity partner LauraLynn Ireland's Children's Hospice. The competition is open to all primary and secondary schools in WEEE Ireland's battery recycling counties that collect at least 10 full 5kg battery boxes. "The new EU Batteries Regulation raises the bar for all of us, and schools across Ireland are proving they are ready to meet that challenge," said Elizabeth O'Reilly, Head of Environmental Compliance at WEEE Ireland. "The incredible efforts of students, teachers, families and local communities will help ensure we meet the minimum recovery targets for materials like cobalt, copper, lead, lithium, and nickel. This ensures these materials are recaptured for use again in manufacturing, as part of a more sustainable and circular battery economy. "Every year we see how collective action can achieve real results - and even the smallest schools, like Cloonfour National School, can make an outsized contribution." Expressing her gratitude, Kerry McLaverty, CEO of LauraLynn said: "The funds we have received from WEEE Ireland as a result of battery recycling programme over the last 14 years of this partnership have had such a positive impact on the children and families who avail of LauraLynn's specialised care and supports all across Ireland. "This year's donation brings the total fundraising to an incredible €610,000. LauraLynn would also like to say a huge thank you WEEE Ireland for the support across this campaign over the last number of years and to everyone who took the time to recycle their batteries. "It may seem like something small, but for the children and families who rely on LauraLynn, and for the environment, it is huge and very impactful." Schools can find more information and order free WEEE Ireland Blue Battery Boxes at www.weeeireland.ie. See more stories here. More about Irish Tech News Irish Tech News are Ireland's No. 1 Online Tech Publication and often Ireland's No.1 Tech Podcast too. You can find hundreds of fantastic previous episodes and subscribe using whatever platform you like via our Anchor.fm page here: https://anchor.fm/irish-tech-news If you'd like to be featured in an upcoming Podcast email us at Simon@IrishTechNews.ie now to discuss. Irish Tech News have a range of services available to help promote your business. Why not drop us a line at Info@IrishTechNews.ie now to find out more about how we can help you reach our audience. You can also find and follow us on Twitter, LinkedIn, Facebook, Instagram, TikTok and Snapchat.

Karen often hears from people who work exclusively with natural materials in their fragrances but are beginning to notice the limitations, whether it's their blends smelling too much like aromatherapy products or lacking longevity. If you want to move past these challenges and create fragrances that compare to commercial ones, the key is to incorporate synthetics. In this episode, Karen will share her recommendations for ten synthetic materials to add to your toolkit that will elevate your perfume creations to the next level. KEY TAKEAWAYS Hedione is a synthetic material that closely resembles jasmine, but smells lighter. Karen gives you an overview of this material, which is impossible to overdose, and changed perfume history forever. Musks are one of the biggest gaps when you're only working with naturals and it is synthetic musks that give perfume longevity. There are so many synthetic musks that can solve this problem. Karen shares her recommendations for the best synthetic musks to use. The ‘Heart of the Floral' is a fragrance made up from a trio of materials, and one of them, muguet, is only available as a synthetic. However, there are a few variations. Karen breaks down the differences between them. Sandalwood is a widely used material in perfumery, but if you want it to go all the way from the base to the top, you will have to rely on synthetics. Karen explains why and gives her recommendations for materials. BEST MOMENTS “Unless you start using synthetics, you're not going to learn how they work.” “Synthetics don't replace naturals, they enhance them.” “There are so many synthetic materials out there that it can be overwhelming to explore them for the first time. But, with the right approach, understanding them can add a new dimension to your perfume making.” VALUABLE RESOURCES Perfume Making 101  Studio Classes Episodes on materials  Getting Started Guide Artisan Perfumery Mastermind  ABOUT THE HOST Fragrance expert, author, teacher and speaker; Karen Gilbert runs courses in the UK and online which demystify the secretive world of perfumery in a fun and interactive way. Karen has inspired thousands of students to explore their olfactory sense and create their own personalised fragrances. With extensive product development experience in both the commercial perfumery and the organic skincare industry, Karen is able to offer a unique insight into creating natural and mixed media fragrances for fine fragrance, room scents and skincare/bodycare products using commercial perfumery techniques. Karen is also a certified meditation teacher and has a passion for helping people to create daily rituals that integrate scent with other modalities to shift state and increase your sense of wellbeing. CONTACT DETAILS Website Instagram Facebook YouTube Email This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Get ready for what's ahead as we learn more about "Learning To Hear God's Voice Clearly." Today's speaker is Nina Joundi. Materials for this month are taken in part from Pastor Scott Sigman's Torah Class study "7 Ways To Hear The Voice of God." Stay connected with us at: www.newbeginnings.org www.larryhuchministries.com larryhuchministries.com/resources/#podcast

In this message, we look at Ruth's and Boaz's quiet faithfulness (Ruth 2–3) and how God weaves small, everyday acts of obedience into His bigger story of redemption. If you've been feeling unseen or stuck in routine, this sermon will encourage you that the “next right thing” matters more than you think—at home, at work, and in our church family. Be ready to be challenged, comforted, and pointed to Jesus, our true Redeemer, who turns ordinary faithfulness into extraordinary grace.

In addition to Shoah (1985), the Criterion release contains three of the five additional films Claude Lanzmann has made from the footage he shot for his landmark documentary. A Visitor from the Living (1997) is an interview with Maurice Rossel in which Lanzmann swings hard at Rossel's report for the Red Cross on conditions in the "potemkin ghetto" of Theresienstadt. In Sobibor, October 14, 1943, 4 p.m. (2001) Lanzmann speaks with Yehuda Lerner about his participation in the Sobibor revolt. While Jan Karski is interviewed in a significant portion of Shoah, The Karski Report (2010) is day two of that interview, wherein Karski recounts his heroic efforts to inform Allied officials, including FDR, about the Nazis' extermination of the Jewish people of Europe, hoping to force the Allies to act to save them. As Karski said in a later interview with Hannah Rosen in 1995: "The Allies considered it impossible and too costly to rescue the Jews, because they didn't do it." Ending genocidal authoritarianism seems impossible until we act. And we must act, from Cop City to Gaza City we must act.

Even though David can't build the temple, that doesn't stop him from getting all the stuff for it: Hiram King of Tyre helps with the process Israel's advanced knowledge of ironwork, thanks to the subjugation of the Philistines David commands Solomon to build the temple and follow the law Why the temple was supposed to be grand Is the Christian Poverty Movement biblical?   Should Christians Pray Imprecatory Prayers? https://www.youtube.com/watch?v=9oFKga01m0U    After you're done with that, check out these websites:  YouTube - https://www.youtube.com/watch?v=Hnh-aqfg8rw Ko-Fi - https://ko-fi.com/p40ministries  Website - https://www.p40ministries.com Facebook - https://www.facebook.com/p40ministries  Contact - jenn@p40ministries.com  Rumble - https://rumble.com/c/c-6493869  Books - https://www.amazon.com/Jenn-Kokal/e/B095JCRNHY/ref=aufs_dp_fta_dsk  Merch - https://www.p40ministries.com/shop  YouVersion - https://www.bible.com/reading-plans/38267-out-of-the-mire-trusting-god-in-the-middle    Support babies and get quality coffee with Seven Weeks Coffee  https://sevenweekscoffee.com/?ref=P40   Become a member to gain access to The Bible Explained on Fridays: https://ko-fi.com/p40ministries

Send us a textIn this exclusive symposium, hosted by Shawn Severson (Founding Partner & CEO) and Dmitry Silversteyn (Managing Director – Chemicals & Materials), industry leaders break down:Current market dynamics: global demand trends, supply bottlenecks, pricing pressures, and the role of top mining and processing regions.National security implications: why reducing dependence on China and other concentrated markets is critical for energy transition, defense, and technology sectors.Domestic infrastructure buildout: steps companies are taking to develop U.S. and allied processing capacity, including capital strategies, regulatory hurdles, workforce development, and government support.Actionable insights: what's needed to overcome challenges and accelerate domestic critical materials production for long-term resilience.This WTR Small-Cap Spotlight Symposium brings together executives from leading critical elements mining and processing companies to explore why building a secure, mine-to-materials supply chain is now a matter of national security—far beyond economics.Whether you're an investor, policymaker, or industry stakeholder, this episode delivers a front-row view into the future of critical elements and the companies shaping the global supply chain.

This episode of the Pipeliners Podcast welcomes back Keith Coyle, now serving as Chief Counsel at PHMSA, to discuss his new role and the agency's current priorities. The conversation highlights leadership changes within PHMSA, the administration's push for greater efficiency and impact, and the agency's updated approach to rulemaking, enforcement, and safety priorities. Listeners get a high-level view of how PHMSA is focusing its efforts to drive meaningful improvements in pipeline safety. Visit PipelinePodcastNetwork.com for a full episode transcript, as well as detailed show notes with relevant links and insider term definitions.

1DullGeek takes the hot seat to defend his controversial lean-of-peak flying technique that left Brian "smiling and nodding while trying to keep up." Using full throttle and mixture control for power management breaks more than just Lord Alpha Juliet's brain - it challenges decades of conventional wisdom. The crew dives deep into the psychology of finding and keeping good A&Ps, from owner-assisted annuals to the art of setting ground rules before work begins. Ted shares desert camping adventures complete with ground effect experimentation, Brian celebrates his first successful tailwheel flight review, and everyone agrees that partnerships come with built-in mechanics (the real MVP move).Mentioned on the show:* EP100 in West Virginia with OG Chris: https://midlifepilotpodcast.com/blog/remembering-episode-100-a-very-special-non-event* Mike Busch, Time and Materials: https://www.savvyaviation.com/wp-content/uploads/2024/01/Savvy_2023-12_time-and-materials.pdf* Ask the A&Ps: https://www.aopa.org/news-and-media/podcasts/podcasts/ask-the-a-and-ps* Savvy Aviation: https://www.savvyaviation.com/Support the Show: Join the best midlife pilot community and support the podcast on Patreon, browse our aviation merch collection, send us your feedback, and connect with fellow pilots at https://midlifepilotpodcast.com. We're grateful for your support in making this the positive aviation community we all love to be part of.

Andre Koch Torres Assis is a professor of Physics at the University of Campinas in Brazil, who has been studying the history of electricity and electrodynamics for more than thirty years. As part of his research, he has assembled put together a collection of experiments that demonstrate some of the earliest experiences that natural philosophers had with electricity - and which show how poorly understood these phenomena still are today, more than two hundred years after they were first observed. PATREON https://www.patreon.com/c/demystifysciPARADIGM DRIFThttps://demystifysci.com/paradigm-drift-showOUR HOMEBREWED MUSICCheck out our band's new album:https://secretaryofnature.bandcamp.com/album/everything-is-so-good-hereVinyl pre-orders available now: https://buy.stripe.com/14A5kC3Od5d21Ms7zPdEs09ANDRE'S EARLIER APPEARANCES ON THE PODCAST:DemystifySci #328 https://www.youtube.com/watch?v=upV3ZfCEISADemystifySci #233 https://youtu.be/kGHNKORQZK8DemystifySci #204 https://youtu.be/VGql2qiRjkYANDRE'S TALK at DEMYSTICON: https://youtu.be/bboKmG0uUuU?si=c1ctpVpecjzIRhMKANDRE'S HOMEPAGE: https://www.ifi.unicamp.br/~assis00:00 Go! 00:07:02 Experiment Demonstration: The Amber Effect 00:17:06 The oldest instrument to study electricity 00:24:00 Exploring Repulsion in Electricity with the Electric Pendulum 00:30:00 Understanding Electrical Charge Interaction 00:34:00 Historical Experiments and Discoveries in Electricity 00:39:00 Levitation Experiment and Its Significance 00:45:00 Du Fay's Two Kinds of Electricity Discovery 00:52:00 The Electroscope and Key Findings 01:02:04 Introduction to Insulators and Conductors 01:07:01 Discovery of Conductors and Insulators by Gray 01:14:24 Classification Experiment with Various Materials 01:21:22 Conductivity Results of Various Materials 01:26:58 Understanding Electricity Control Through Conductors and Insulators 01:30:48 Material Variability and Conductivity Insights 01:31:17 Conductive Properties of Materials 01:36:00 Voltage Behavior of Materials 01:41:00 Role of Water and Conductivity 01:49:00 Mysteries of Charge Generation 01:51:22 English Translation of Coulomb's Memoirs01:57:00 Experimental Insights into Electricity 01:57:48 Exploration of Electron Dynamics 02:04:08 Insights into Electrification Theories 02:10:53 Reflections on Physics Definitions 02:15:54 Material Experimentations and Historical Context 02:18:34 Advancements in Charge Distribution Studies 02:21:47 Limitations of Experimental Accessibility 02:22:27 Importance of Hands-On Physics Education 02:28:01 Mysteries of Electricity 02:30:06 Collaborative Physics Discourse 02:34:34 Historical Context of Discoveries#electricity, #staticelectricity , #physicsexperiments, #electrostatics, #DIYphysics, #engineering, #learnphysics , #electriccharges , #physicsdemo, #physicscommunity, #philosophypodcast , #sciencepodcast, #longformpodcastMERCH: Rock some DemystifySci gear : https://demystifysci.myspreadshop.com/allAMAZON: Do your shopping through this link: https://amzn.to/3YyoT98DONATE: https://bit.ly/3wkPqaDSUBSTACK: https://substack.com/@UCqV4_7i9h1_V7hY48eZZSLw@demystifysci RSS: https://anchor.fm/s/2be66934/podcast/rssMAILING LIST: https://bit.ly/3v3kz2S SOCIAL: - Discord: https://discord.gg/MJzKT8CQub- Facebook: https://www.facebook.com/groups/DemystifySci- Instagram: https://www.instagram.com/DemystifySci/- Twitter: https://twitter.com/DemystifySciMUSIC: -Shilo Delay: https://g.co/kgs/oty671

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Dan Chuparkoff, the CEO and founder of Reinvention Labs, about his risk career, from an insight at age 17, leading at tech giants, to founding a startup to help organizations reinvent themselves with AI. Dan asserts that if you're not keeping up with AI, you're falling behind your industry. Dan previews his upcoming November 17th opening keynote address at the RIMS ERM Conference 2025 in Seattle, Washington.   Listen to learn more about AI, innovation, and staying ahead of the competition.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. We will be joined by the CEO of Reinvention Labs, Dan Chuparkoff. Dan will deliver the opening keynote at the RIMS ERM Conference 2025 on November 17th in Seattle, Washington.  [:47] We will get a glimpse into Dan's risk philosophies, when it comes to AI and innovation, and get a preview of his keynote. It's going to be a lot of fun! [:55] RIMS-CRMP Workshops! The next RIMS-CRMP-FED virtual workshop will be held on November 11th and 12th, and led by Joseph Mayo. Links to these courses can be found on the Certification Page of RIMS.org and through this episode's show notes. [1:16] RIMS Virtual Workshops! RIMS has launched a new course, “Intro to ERM for Senior Leaders.” It will be held again on November 4th and 5th and will be led by Elise Farnham. RIMS members enjoy deep discounts! [1:33] The full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's notes. [1:44] Several RIMS Webinars are being hosted this Fall. On September 18th, Origami Risk will present “Driving Better Incident and Claims Management with Data, Technology & Strategic Collaboration”. [1:57] On September 25th, we will have a special webinar, hosted by Merrill Herzog, about active shooter preparedness in 2025 and beyond. That session will be complimentary for members and nonmembers. So, be sure to put that on your calendar for 1:00 p.m. Eastern Time. [2:16] On October 9th, Global Risk Consultants 07returns to deliver “Natural Hazards: A Data-Driven Guide to Improving Resilience and Risk Financing Outcomes”. [2:25] On October 16th, Zurich returns to deliver “Jury Dynamics: How Juries Shape Today's Legal Landscape”. [2:33] On October 30th, Swiss Re will present “Parametric Insurance: Providing Financial Certainty in Uncertain Times”. [2:42] On November 6th, Hub will present “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World”. Register at RIMS.org/Webinars. [2:54] On with the show! As you know, the RIMS ERM Conference 2025 will be held in Seattle, Washington, on November 17th and 18th. Our guest today will be kicking off the conference with his keynote, “AI and the Future of Risk Management.” [3:11] His name is Dan Chuparkoff, and he is the CEO and Founder of Reinvention Labs. He's going to talk to us all about innovation and how AI can enrich our risk management processes. This conversation today will be a preview of what he will bring to the stage in Seattle. [3:30] Be sure to visit the link in this episode's show notes to register. You can also visit RIMS.org/Events and click on the ERM banner. I had such a great time recording this interview, and I know you are going to love it. Let's get to it! [3:43] Interview! Dan Chuparkoff, welcome to RIMScast! [3:52] Dan is super excited for this conversation. He says he doesn't always get this chance before an event to dig into some of his thoughts about the event and the industry. [4:37] Dan had a meandering career. He worked for 32 years in technology. He worked for some massive organizations, a 100-year-old company, McKinsey, some new startups, more mature startups like Atlassian, and Google. [5:15] Working for major enterprises and new startups, Dan got exposure to risk management perspectives from both extremes. He built a blend of how he thinks about risk that mixes the best of both worlds. That has helped make him successful. He'll talk about that in his keynote. [5:44] Dan brings some things he learned from nimble startups about experimentation, and keeps his eye out for the pitfalls that are coming in the future, which the major enterprises had more risk awareness to avoid. [6:08] Dan worked alongside risk managers, who were the Chief Legal Officer, or even the CEO, to figure out when they were taking smart risks and when they needed to stop doing something they had started. [6:40] Dan learned of Enterprise Risk Management while working at a marketing services software development agency. They were building software for global enterprises. As they built software, the enterprise would have a review board evaluate it for quality and policy adherence. [7:09] From 2002 to 2010, Dan got real exposure to global risk management. He learned things like the risk philosophy of European countries and the European Union, as it differs from American risk philosophy.  [7:35] Dan notes that the risk management profession tunes you to be a systems thinker, not just a siloed thinker. You're not just thinking about what your team is doing, but you're thinking of the downstream ripple effects of every decision that you make. [7:53] As you become a leader in charge of more of the organization, systems thinking prepares you to understand the ripple effect of your decisions and think about how decisions need to be coordinated across the different streams of the organization. That makes you a great leader. [8:40] About 15 years into Dan's career, he realized there were some things he knew deeply and was really passionate about. When those things came up in meetings, he was outgoing. He stood up and marked on the whiteboard. [9:06] He had this passion, and he knew it would be helpful to share it. Before he started thinking about audiences and microphones, he started thinking about the content he was passionate about. That content was about people's ability to change and adapt to new technology. [9:29] Technology changes all the time. New technology is confusing and filled with risk. At some point, you have to get on that new bus, or the organizations in your industry will pass you by. Dan became excited about that. It became easier for him to talk in bigger groups. [9:54] One day, Dan found himself onstage at a Gartner conference in front of 800 people, and that was the beginning of a journey he says is now the best job in the world. [10:34] RIMS Events! On September 18th, the 10th Annual Chicagoland Risk Forum will be held at The Old Post Office in Chicago. Register at ChicagoRIMS.org. [10:49] On October 1st through the 3rd, the RIMS Western Regional Conference will be held in North San Jose at the Santa Clara Marriott. The agenda is live. It looks fantastic! Visit RIMSWesternRegional.com and register today! [11:06] RISKWORLD 2026 will be in Philadelphia, Pennsylvania, from May 3rd through the 6th. RIMS members can now lock in the 2025 rate for a full conference pass to RISKWORLD 2026 when registering by September 30th. [11:21] This also lets you enjoy earlier access to the RISKWORLD hotel block. Register by September 30th, and you will also be entered to win a $500 raffle. Do not miss out on this chance to plan and score some extra perks. [11:34] The members-only registration link is in this episode's show notes. If you are not yet a member, this is the time to join us. Visit RIMS.org/membership and build your network with us here at RIMS. [11:46] Let's Return to Our Interview with ERM Conference Keynote, Dan Chuparkoff!  [11:58] Justin asks how Dan's experience of building and leading teams at Google, McKinsey, and Atlassian, delivering software to billions, informs his current approach as the CEO of Reinvention Labs to helping organizations reinvent work with the power of AI. [12:15] Dan was an intern at an architecture firm when he was 17. One architect had AutoCAD, and all the others were drawing on paper. The architect with AutoCAD used copy-and-paste to accelerate his work. That changed the way Dan looked at technological change. [12:39] From the age of 17, Dan started looking for those copy-and-paste moments. He found them, over and over again. Spreadsheets improved our analysis. The internet improved our ability to look for information. AI improves our ability to juggle more data than before. [12:58] All those things were coming at a predictable cadence. It takes about five years for new technology to become part of the infrastructure. Dan realized that you have about five years to tackle something new before the next new thing comes at you. [13:21] People wait for the dust to settle. They don't start figuring out how to build this new thing into the way they work. You'll get passed by. You'll be working too slowly, and your customers will expect more of you. Or you'll do it too quickly, make mistakes, and create unnecessary risk. [13:44] Figuring out how to manage these five-year cycles of change became Dan's strength. [13:57] Dan will expound on his copy-and-paste moments in his November keynote. This was a preview. It was the moment that changed the way he thought about tools and technology, and their impact on the way we work. [14:23] Justin says Dan takes complex topics and makes them simple and useful for a non-technical audience. Dan says a lot of people are talking about AI now. [14:52] AI is an umbrella term that includes a lot of things. It's on the level of “math.” You don't say, “We're implementing math at work, right now.” Math is part of everything we do. [15:09] One of the things Dan helps people do is to start breaking AI down. Are we talking about a chat interface on top of our customer service knowledge base? Are we talking about a sophisticated AI image-recognition system to look at MRI scans? Those are different things. [15:29] They're both using AI, but as you're evaluating the risk of AI features, AI deployment, and AI use cases, it will be helpful to understand the difference between a chatbot, image recognition, and AI-based research. They all have different amounts of risk. [15:49] If you try to have a single AI policy that covers all those things, it will be challenging. That's how Dan helps to break it down. [16:14] Dan will have 60 minutes for his keynote. He will spend 45 minutes covering content he thinks is important for risk management professionals and about 15 minutes of open Q&A. He will also be around all day, if people want to talk to him in the hallway or at lunch. [16:44] Final Break! The Spencer Educational Foundation's goal to help build a talent pipeline of risk management and insurance professionals is achieved, in part, by its collaboration with risk management and insurance educators across the U.S. and Canada. [17:03] Since 1999, Spencer has awarded over $2.9 million to create more than 570 Risk Management Internships. The Internship Grants application process is now open through October 15th, 2025. [17:20] To be eligible, risk managers must be based in the U.S., Canada, or Bermuda. A link to the Internship Grants page is in this episode's show notes. You can always visit SpencerEd.org, as well. [17:33] Let's Conclude Our Interview with ERM Conference Opening Keynote, Dan Chuparkoff! [17:53] Dan says the fundamental and most important thing to remember is that AI shouldn't make your decisions for you. Ask AI for 10 things that you should do, and you decide which one of those things is the right thing. You have a lot of things in your head that AI doesn't know. [18:20] You have things you remember from your first job, the things you remember your mother telling you when you were nine. Those things influence your decisions, and AI doesn't know any of them. Always use AI as a recommendation and make your own decisions. [18:43] Dan almost always says to give him 10 of whatever he is looking for. Some answers are too conservative, some are too risky, and some can work. No one is good enough at prompt engineering to put all the context in. Dan asks for choices and picks the one that feels right. [19:43] Why is there a gap between crafting an AI policy and putting it into practice? Some people are creating policies with a different level of understanding of what AI is capable of doing and what it is not. Sometimes, policies are just early in their maturity. [20:17] Three years from now, it will be a better policy that understands some of the discrepancies a little bit more, and that gap will start to close. [20:25] Some people have policies, and their people are ignoring them. When ChatGPT came out in November 2022, students started using it for homework. It became a part of their lives. They didn't stop using it when they went to work, regardless of the company policy. [21:14] There's a shadow AI use at a lot of organizations. The more your AI policy is crowdsourced, and you're asking your people what they need, what they want, and what they're doing already, the better your policy will match what's happening in your organization. It evolves. [21:44] Dan adds that email is already susceptible to IP leakage, but because of user training and judgment, people in the organization know what data to keep out of the email system. With training, people will learn what data to keep out of the AI system. [22:48] The best add-on to email, according to Dan, is sending calendar invites. Justin says the best add-on is scheduled send. He loves how people think he sends an email at 5:01. Dan says an AI tool, Fixer, will draft a reply to every message you get, and you can send or edit it, or not. [24:00] Dan foresees AI-powered email things that will be life-changing. Justin says Google will already generate a message for you if it's something simple. [24:37] Dan says before every keynote, he tries to get a deep understanding of the audience and what they care about. He goes through their website, watches videos, reads blogs and articles, and listens to podcasts. All those things influence the research and the content he brings. [25:04] What Dan will do for his keynote is dig into the ways AI is changing the work that risk management professionals are doing now and how that will continue to change over the near term. [25:15] Dan won't talk about 20 years from now, but about six months to three years from now, what that's going to look like, so that people can start anticipating the future and building a safe, risk-controlled future that they're trying to build. [25:38] I'm looking forward to it. You've been a wonderful guest. You've piqued the interest of a lot of our audience, and we hope they'll make it out to Seattle on November 17th, when you kick off the conference for us. [25:56] Dan looks forward to hanging out with everybody in Seattle. His parting advice is to tell AI, “Give me one thing every Monday that I should learn about AI.” Every week, you'll be a little smarter about AI. You don't have to do the things, but they're little nudges along your AI journey. [26:30] Special thanks again to Dan Chuparkoff for joining us here on RIMScast. We are so excited for him to kick off the RIMS ERM Conference 2025 in Seattle, Washington, on November 17th. The registration link is in this episode's show notes, or visit the Events page of RIMS.org.  [26:50] We want to see you on November 17th and 18th. We will have more ERM Conference presenters on RIMScast in the next six weeks. Be sure to subscribe to RIMScast through your favorite podcasting app and catch all the risk management goodness! [27:05] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [27:34] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [27:52] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [28:10] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [28:26] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [28:41] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [28:53] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS ERM Conference 2025 — Nov. 17‒18 Spencer Internship Program — Registration Open Through Oct. 15. 10th Annual Chicagoland Risk Forum — Sept. 18 | Registration open! RIMS Western Regional — Oct 1‒3 | Bay Area, California | Registration open! RISKWORLD 2026 — Members-only early registration through Sept 30! Spencer Educational Foundation 2025 Funding Their Future Gala — Sept. 18, 2025, in NYC! RIMS-Certified Risk Management Professional (RIMS-CRMP) The Strategic and Enterprise Risk Center RIMS-CRO Certificate in Advanced Enterprise Risk Management — Featuring Instructor James Lam! Next bi-weekly course begins Oct 9. RIMS Diversity Equity Inclusion Council RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 RIMS Risk Management magazine | Contribute RIMS Now RIMS Webinars: RIMS.org/Webinars “Driving Better Incident and Claims Management with Data, Technology & Strategic Collaboration” | Sept. 18 | Sponsored by Origami Risk “Active Shooter Preparedness” | Sept. 25 | Sponsored by Merrill Herzog | Complimentary for all “Natural Hazards: A Data-Driven Guide to Improving Resilience and Risk Financing Outcomes” | Oct. 9 | Sponsored by Global Risk Consultants “Jury Dynamics: How Juries Shape Today's Legal Landscape” | Oct. 16, 2025 | Sponsored by Zurich “Parametric Insurance: Providing Financial Certainty in Uncertain Times” | Oct. 30, 2025 | Sponsored by Swiss Re “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World” | Nov. 6 | Sponsored by Hub   Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP-FED Exam Prep Virtual Workshop — November 11‒12 Full RIMS-CRMP Prep Course Schedule “Risk Appetite Management” | Oct 22‒23 | Instructor: Ken Baker “Intro to ERM for Senior Leaders” | Nov. 4‒5 | Instructor: Elise Farnham “Leveraging Data and Analytics for Continuous Risk Management (Part I)” | Dec 4. See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes: “Tom Brandt on Growing Your Career and Organization with ERM” “Risk and Clarity with Huw Edwards, RIMS Texas Keynote” “James Lam on ERM, Strategy, and the Modern CRO” “AI Risks and Compliance with Chris Maguire” “Change Management and Strategy with Jay Kiew, RIMS Canada Conference 2024 Keynote” “(Re)Humanizing Leadership in Risk Management with Holly Ransom” “AI and Regulatory Risk Trends with Caroline Shleifer” “Live from the ERM Conference in Boston!” (2024)   Sponsored RIMScast Episodes: “The New Reality of Risk Engineering: From Code Compliance to Resilience” | Sponsored by AXA XL (New!) Change Management: AI's Role in Loss Control and Property Insurance | Sponsored by Global Risk Consultants, a TÜV SÜD Company Demystifying Multinational Fronting Insurance Programs | Sponsored by Zurich “Understanding Third-Party Litigation Funding” | Sponsored by Zurich “What Risk Managers Can Learn From School Shootings” | Sponsored by Merrill Herzog “Simplifying the Challenges of OSHA Recordkeeping” | Sponsored by Medcor “Risk Management in a Changing World: A Deep Dive into AXA's 2024 Future Risks Report” | Sponsored by AXA XL “How Insurance Builds Resilience Against An Active Assailant Attack” | Sponsored by Merrill Herzog “Third-Party and Cyber Risk Management Tips” | Sponsored by Alliant “RMIS Innovation with Archer” | Sponsored by Archer “Navigating Commercial Property Risks with Captives” | Sponsored by Zurich “Breaking Down Silos: AXA XL's New Approach to Casualty Insurance” | Sponsored by AXA XL “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Partnering Against Cyberrisk” | Sponsored by AXA XL “Harnessing the Power of Data and Analytics for Effective Risk Management” | Sponsored by Marsh “Accident Prevention — The Winning Formula For Construction and Insurance” | Sponsored by Otoos “Platinum Protection: Underwriting and Risk Engineering's Role in Protecting Commercial Properties” | Sponsored by AXA XL “Elevating RMIS — The Archer Way” | Sponsored by Archer   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Kristen Peed!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Daniel Chuparkoff, CEO and Founder at Reinvention Labs   Production and engineering provided by Podfly.  

Dr. Karen Daniels is a Professor in the Department of Physics at North Carolina State University. Karen's lab investigates the physics of how materials change state (e.g. from solid to fluid), how they deform, and how they may ultimately fail. She studies these questions across a variety of length and time scales, from microscopic phenomena that occur in less than a second to shifts in land that occur on geologic timescales and may lead to landslides. Travel is a passion for Karen. While traveling, she loves hiking on mountain trails, eating delicious food, discovering new foods that she can try to make at home, reading books, knitting, and interacting with new people and places. She received her BA in physics from Dartmouth College. Karen then worked for about three years as a science teacher at Saint Ann's School in Brooklyn before enrolling in graduate school at Cornell University where she earned her PhD in physics. She then conducted postdoctoral research at Duke University before joining the faculty at NCSU in 2005. Karen has been awarded a fellowship from the Alexander von Humboldt Foundation to support a yearlong sabbatical at the Max Planck Institute for Dynamics and Self-Organization in Göttingen, Germany. In addition, Karen was the recipient of a National Science Foundation Early Career Development (CAREER) Award, the Equity for Women Award from NCSU, and the LeRoy and Elva Martin Award for Teaching Excellence. She has also been named a Fellow of the American Physical Society. In our interview, Karen shares more about her life and science.

We're joined with Colleen Pressprich, Catholic author of the book Real Moms of Real Saints, offers hope to mothers of all ages and stages, Alan Migliorato, co-author of Failing Forward: Leadership Lessons for Catholic Teens Today talks about teaching teens financial responsibility and Malachy Fallon, Executive Director of Xavier Society for the Blind, talks about the ministry that provides free religious, spiritual and inspirational reading materials in braille, large print and audio to blind and visually impaired individuals worldwide.

Segment 1 with Amy Peterson and Rebel Nell.To help close the gap in funding and support for women-owned small businesses, Block Advisors by H&R Block created the Fund Her Future small business grant program. The program will award five women-owned small businesses a combined total of $100,000 in funding and access to a year of small business services from Block Advisors. Today we talk with the grand prize winner Amy Peterson, founder of Rebel Nell, launched the company in 2013 to fuse her passion for empowering women with a deep love for Detroit's vibrant street art. Rebel Nell transforms fallen graffiti into bold, one-of-a-kind jewelry, handcrafted by women overcoming barriers such as homelessness, seeking asylum, or living with disabilities. Latasha Randle is a Strategy & Small Business Program Manager at Block Advisors by H&R Block. In this role, she develops, implements, and executes small business strategy and initiatives that promote small business growth across tax, bookkeeping, and payroll. She is also a small business owner herself.Segment 2 with Don Constante.What really goes on behind the scenes of some of the biggest sporting events in the world and what can you learn about organizing the best experiences for your customers.Don Costante is a distinguished sports and event presentation expert with more than thirty years of experience transforming live events into immersive, fan-centered experiences. Throughout his career, he has directed, produced, and managed more than 2,500 live events, including three NBA Finals, two World Series, and thirteen NBA All-Star Jam Session Center Courts. His work spans major organizations across the NBA, MLB, WNBA, and NASCAR, where he has consistently elevated the quality and impact of event presentations.He has a new book called "Beyond the Scoreboard: The Ultimate Guide to Sports Event Presentation".Become a supporter of this podcast: https://www.spreaker.com/podcast/the-small-business-radio-show--3306444/support.Listen to all the episodes of The Small Business Radio Show at www.barrymoltz.com

Get ready for what's ahead as we learn more about how to "Live A Life Of Unstoppable Strength." Today's message is "The Sword of the Spirit - The Word of God" by Pastor Lydia Sigman. Materials for this month are taken from "Overcomer" by Dr. David Jeremiah and the teaching series "Armor of God" by Pastor Larry Huch. Stay connected with us at: www.newbeginnings.org www.larryhuchministries.com larryhuchministries.com/resources/#podcast

What are you wearing today? What processes, chemical and otherwise, have gone into creating the garments in your wardrobe? And how might they be improved, honed, transformed in the future?Professor of Materials & Society at UCL, Mark Miodownik, Dr Jane Wood, Lecturer at the University of Manchester and expert in textile technology, and materials scientist, writer and presenter Dr Anna Ploszajaki join Marnie Chesterton to take a closer look at possibly the most familiar materials we own, our clothes.Presenter: Marnie Chesterton Producers: Clare Salisbury and Lyndon Jones Editor: Martin Smith Production Co-ordinator: Jana Bennett-Holesworth

RBC's Markets in Motion is the weekly podcast from Lori Calvasina, Head of US Equity Strategy at RBC Capital Markets, highlighting her latest views on the US equity market.The big things you need to know:First, we see Friday's weaker-than-expected jobs report as having added some additional uncertainty to the US equity market outlook at a time when we've been on guard for choppiness for other reasons.Second, we reiterate our overweight stance on the S&P 500 Materials sector.Third, other things that jump out to us include the weakness in bitcoin and the deterioration in US equity flows and retail flows specifically, which add to our near-term concerns.

Thinking about building raised garden beds but not sure what materials to use? Today on Just Grow Something we dig into all the options for raised bed construction, from wood, stone, and galvanized steel to creative choices like reclaimed materials, fabric grow bags, and more. We'll talk about the pros and cons of each, including cost, durability, aesthetics, and safety concerns like chemical leaching or microplastics. You'll also learn when (and if) you need a bottom layer to block weeds, stop burrowing critters, or protect your soil. Whether you're a new gardener or looking to upgrade your existing setup, this episode gives you the science-backed insights you need to choose the right raised bed materials for your garden. Let's dig in!Perfect for: raised bed gardening, beginner gardeners,vegetable gardening, sustainable gardening, DIY garden beds, pressure-treated wood safety, and backyard food growing.Save 20% and get Free Shipping on your new planter from PlanterBoxDirect.com! Use code JUSTGROW20 now through October 15th, 2025!References:https://extension.oregonstate.edu/gardening/soil-compost/pressure-treated-wood-raised-bed-construction-willamette-valleyhttps://extension.umn.edu/planting-and-growing-guides/raised-bed-gardensFull show notes can be found at https://justgrowsomethingpodcast.com/episode/materials-to-use-for-building-a-new-raised-garden-bed-ep-266

SEE HOW A-DEC CREATES IDEAL ERGONOMICS**: https://bit.ly/4g3wzJ5Dr. Haley chats about her experiences as a new dentist, sharing insights on favorite and least favorite procedures, patient interactions, preferred dental products, daily workflow, and continuing education. The conversation highlights the emotional aspects of dentistry, the importance of patient relationships, and the tools that enhance the dental practice experience.

Get ready for what's ahead as we learn more about how to "Live A Life Of Unstoppable Strength." Today's message is "The Helmet Of Salvation" by Pastor R. Franco. Materials for this month are taken from "Overcomer" by Dr. David Jeremiah and the teaching series "Armor of God" by Pastor Larry Huch. Stay connected with us at: www.newbeginnings.org www.larryhuchministries.com larryhuchministries.com/resources/#podcast

William F. Jasper is an investigative reporter and senior editor at The New American Magazine. He's an author, journalist and commentator. For more than three decades he served as an accredited correspondent at the United Nations in New York and UN summits around the world. The World Economic Forum (WEF) has been operating since 1971. They indicate that they're bringing together government, business and civil society to improve the state of the world. However, when you realize the number of initiatives they're involved in, it's actually not about improving the state of the world, but rather taking control of the world. The tentacles of this organization reach far and wide throughout all segments of society via numerous "centers" that include: The Center for AI Excellence, the Center for Cybersecurity, the Center for Energy and Materials, the Center for Financial and Monetary Systems, the Center for Frontier Technologies and Innovation, the Center for Health and Healthcare, the Center for Nature and Climate, the Center for Regions, Trade & Geopolitics, the Center for New Economy and Society, and finally the Center for Urban Transformation. This program covers other facets including Klaus Schwab, the Council on Foreign Relations, how the funding of non-governmental organizations (NGO's) is actually funding our own destruction, what's meant by "digital dictatorship," and much more. Don't miss this opportunity to become educated on this very powerful institution that's basically a private, strategic partnership between globalists and communists in concert with the United Nations, world governments and the World Bank International Monetary Fund.

Mon, 25 Aug 2025 21:00:00 GMT http://relay.fm/upgrade/578 http://relay.fm/upgrade/578 The Woven Family of Materials 578 Jason Snell and Myke Hurley After an era of stability, Apple may be about to mix things up with the iPhone, including a bunch of new models and even a change to the traditional fall roll-out cycle. And we end the Summer of Fun with a summery Ask Upgrade! After an era of stability, Apple may be about to mix things up with the iPhone, including a bunch of new models and even a change to the traditional fall roll-out cycle. And we end the Summer of Fun with a summery Ask Upgrade! clean 7111 After an era of stability, Apple may be about to mix things up with the iPhone, including a bunch of new models and even a change to the traditional fall roll-out cycle. And we end the Summer of Fun with a summery Ask Upgrade! This episode of Upgrade is sponsored by: Fitbod: Get stronger, faster with a fitness plan that fits you. Get 25% off your membership. ZBiotics: Use code UPGRADEFM for 15% off any first time orders of ZBiotics probiotics. ExpressVPN: High-Speed, Secure & Anonymous VPN Service. HelloFresh: Get 10 Free Meals + a Free Item for Life! Links and Show Notes: Get Upgrade+. More content, no ads. Submit Feedback Friend of the Show - Robot or Not? #252 - The Incomparable Now Masimo is suing US Customs over Apple Watch imports | The Verge UK drops demand for backdoor into Apple encryption | The Verge Get started with folder automation in macOS Tahoe – Six Colors Apple Expands iPhone Production in India for US-Bound New Models - Bloomberg Leaker shares alleged iPhone 17 TechWoven case colors - 9to5Mac Apple's FineWoven successor might be called TechWoven. | The Verge Upgrade #478: Hi, We're the Weirdos - Relay Apple Again Rumored to Release iPhone 17 Cases With Lanyard Option - MacRumors Apple Has Reportedly Considered Releasing iPhone 17 Air Bumper Case - MacRumors iPhone 17e Rumored to Gain New Design, Dynamic Island, and More - MacRumors No iPhone 18 in 2026, Another Report Claims - MacRumors Apple to Launch iPhone 17 Pro, iPhone 17 Air in September; iPhone Fold Next Year - Bloomberg Federico on Tablets A new Apple Watch is coming. It's time to break the mold | Macworld Apple code suggests Touch ID could be coming to Apple Watch | Macworld Apple Explores Using Google Gemini AI to Power Revamped Siri - Bloomberg Casey Newton's Post Farer - Roché World Timer - 39mm Swiss-Made Automatic Watch