Podcasts about materials

Restoration of grasslands at a regional scale requires reliable sources of abundant seed material for the hundreds of species of plants which are typically  part of a Southern grassland.  Often,  seeds for certain species are underrepresented in the trade.  Seeds, then, must be gathered from plants in the wild and processed before they can be utilized. Our guest today, Kristin Hopkins,  and  her team are about the business of scouting out wild sources for seeds of native grassland plants so that they can be ethically gathered and processed for use.  They are also working with commercial  growers to broaden the menu of what is available in the trade. https://www.markfraley.com/wp-content/uploads/kristinhopkinsseedswithmusic.mp3 The post Interview with Kristin Hopkins, Native Plant Materials Program Manager, Southeast Grasslands Institute Episode 130 appeared first on Mark Fraley Podcast.

En el marc de la xerrada prèvia a Santa Tecla titulada Seguretat, generacions i identitat cultural que va organitzar l'establiment La Gralla, l'alcaldessa Aurora Carbonell va confirmar també que l'Ajuntament ha presentat denúncia en el cas de l'agressió al Punt Lila durant Barraques i pel que fa als aldarulls de la matinada del 24 d'agost continua la investigació per part de Mossos d'Esquadra i s'ha quantificat el valor dels danys materials realitzats que arriba als trenta mil euros, una informació que s'adjuntarà a la investigació en la que l'Ajuntament té intenció de personar-se com acusació un cop s'identifiquin els agressors. Més enllà de debatre entorn les violències viscudes durant la Festa la xerrada va servir també per posar de manifest que no tot el jovent és violent, que aquells que exerceixen violència són majoritàriament homes i va donar peu a alguna reflexió del públic interessant. Va moderar la xerrada Maria Junyent en la que hi van participar el president de la Comissió de Festa Major i Santa Tecla, Xavier Salmerón, la tècnica d'infància i adolescència, Mar Jaime, la cap del Serveis de Drets Civils, Mireia Paretas i l'alcaldessa, Aurora Carbonell. L'entrada Tres centes atencions al Punt Lila per Barraques i 11.000 euros de danys materials causats pels aldarulls de la matinada del passat 24 d’agost ha aparegut primer a Radio Maricel.

Prospective homeowners are being encouraged to make use of the Ministry of Infrastructure's Materials Laboratory before beginning construction. Engineering Assistant Bernard St. Cyr stresses the importance of soil testing and professional guidance on construction materials, particularly concrete, to ensure that foundations and structures can safely support the intended building.

https://sagelandscaping.com/retaining-walls/That sloped, eroding corner of your yard could become a waterfall, a reading nook, or even an herb garden wall. Curious which materials, costs, and code rules actually make that possible before you dig? Sage Landscape Contractors & Tree Experts City: Plainfield Address: 16 Driftway Ln Website: https://sagelandscaping.com

Wednesday night means another appointment with the golden age of radio. Tonight on Brett Orchard's Old Time Radio Show, Brian Donlevy stars as international troubleshooter Steve Mitchell in Dangerous Assignment: Leak of Stretegic Materials — a classic slice of radio espionage packed with secret missions, shadowy enemies and vintage suspense. It's the perfect midweek escape: the day is done, the lights are lower, and for a little while we can leave the modern world behind and disappear into another era. So whether you're settling down with a late drink, listening in bed or simply looking for some good old-fashioned company, get comfortable and join me. Brett Orchard's Old Time Radio Show — classic radio and late-night company every Monday, Wednesday and Friday. Discover more from Brett Orchard and the wider DaysLikeThis.Life world at dayslikethis.life. #DangerousAssignment #OldTimeRadio #ClassicRadio #SpyThriller #BrettOrchard

On this episode, Rhona Togher, CEO and co-founder of Lios, joins the show. Lios is an Irish company developing advanced materials to tackle unwanted noise and vibration. Its flagship technology, SoundBounce, takes a different approach to acoustic insulation—combining a responsive material with a cellular structure to address difficult low-frequency noise without the weight and bulk of conventional solutions. […] The post SoundBounce and The Future of Acoustic Materials: Interview with Rhona Togher of Lios first appeared on Composites Weekly.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Janice Ochenkowski about her leadership, her career path, serving in RIMS External Affairs and later as RIMS President. They discuss the September 11, 2001 terrorist attacks, the loss of lives, and the impact the attacks had on life in the U.S. Justin and Janice talk about Janice's role in passing the Terrorism Risk Insurance Act (TRIA). They also address the financial and housing crisis of 2007-2008. Janice relates her testimony before Congress on various matters over the years, and how her RIMS leadership held her in her employment. Listen for wisdom on adapting and changing with the times, and using leadership opportunities to help your business as you move your risk career forward.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. We will be joined by former RIMS President Janice Ochenkowski. [:35] Janice will discuss how her time on the RIMS Board and as RIMS President helped ensure the passage of TRIA, the Terrorism Risk Insurance Act, in the aftermath of the 9/11 terror attacks. [:49] There will be plugs later on, and we will learn about Janice's fascinating career, but I wanted to address the fact that this episode is being released on September 8th, 2026, a few days before the 25th anniversary of the 9/11 terror attacks in the U.S. [1:10] Before we get started, I'd like to welcome back RIMS's Chief Executive Officer, Gary LaBranche, to say a few words. [1:18] Message from Gary LaBranche: 2026 marks a quarter-century since terrorist attacks on the United States killed nearly 3,000 people, injured many more, and impacted the lives of millions. [1:30] This RIMScast podcast provides the opportunity to reflect on the lives lost and the lasting impact of this tragedy on survivors, families, friends, first responders, and everyone who witnessed that horrendous day and has borne its burden over the past 25 years. [1:51] The events of 9/11 also revealed the best in human nature, such as the warm, welcoming affection shown by Canadians when U.S.-bound flights were diverted to Gander, Montreal, Vancouver, Halifax, and other locations in the aftermath of 9/11, as we learn in this podcast. [2:11] RIMS played a leading role in crafting and passing the Terrorism Risk Insurance Act (TRIA), which established an insurance backstop in the event of a future large-scale terrorist attack on America. [2:24] RIMS is working right now on bipartisan legislation in both the U.S. House and Senate to reauthorize TRIA. As we commemorate this day, let us rededicate ourselves to the important work that risk management does to make the world safer, more secure, and more sustainable. [2:46] On with the Show! Here to provide a brief history of RIMS's collaboration with members of Congress and the global insurance and risk management community is Janice Ochenkowski. [2:59] Janice was RIMS President in 2007, and as we will learn in this episode, she had a colorful career with RIMS and with Jones Lang LaSalle, a commercial real estate property owner. [3:13] Her RIMS participation prior to her presidency was instrumental in helping her get TRIA passed by Congress, so there's a lot to learn today … Let's get to it! [3:23] Interview! Janice Ochenkowski, welcome to RIMScast!  [4:04] Janice joined the Chicago Chapter of RIMS, not understanding the larger RIMS organization. She became an active member and an officer. She was President of the Chicago Chapter the year that Chicago member Art Bostwick was RIMS President. [4:55] Janice says Art was a good mentor for her. He encouraged her to follow in his footsteps to be national president. She laughed, but many years later, she did. [5:20] Janice started her risk management career in 1980; she joined the RIMS Chicago Chapter in '82 or '83. After moving through the chairs in the Chicago Chapter, she became a delegate to the RIMS Conference, started working in various committees, and moved into leadership. [5:47] Janice was elected to the Board, took on responsibilities for different chairs, and ended up in charge of Government Affairs. [6:01] Lance Ewing, the President at the time, asked the Board what roles they wanted to take. Janice said she would do anything except legislative stuff, because she didn't know anything about it. He burst out laughing, and suddenly that was her mandate. [6:31] Janice says she absolutely loved it. Jim McIntyre, who was RIMS's Washington Counsel, was a phenomenal mentor. He prepared her to testify, prepared her for meetings, and explained who she was going to meet and how it was going to work, and so on. [6:53] Janice says, from there, I went into a few other responsibilities and ended up as the President. [7:10] Janice started her career in 1980 at LaSalle Partners in real estate and financial services. There were 150 employees operating in six states. Because of Federal regulations regarding their pension work, they needed a full-time risk manager. [7:35] The legislation said they needed a risk manager but didn't explain what the risk manager needed to do. Janice had been teaching high school, and she wanted to move into business. [7:47] Janice interviewed through an employment agency with a variety of companies, and decided LaSalle Partners sounded interesting and it would be a good platform for her to get some experience and then move on. [8:02] Thirty-eight years later, she was still there, and retiring. When she retired, there were 90,000 employees in 100 countries. Janice had 17 full-time staff, globally, working for her. [8:20] Janice says LaSalle Partners started as a privately held company. Janice was one of the partners. It became a corporation and, after acquisitions, merged with Jones Lang Wootton, a UK real estate organization, and became Jones Lang LaSalle. [9:17] Janice says her career was a wild ride. She says she never could have imagined the experiences she had, the friendships she made, and the things that she learned and had opportunities to do, through her company and through RIMS. [9:36] Janice says she was able to draw links between the benefits of RIMS and the business of her business. When she went to board meetings, they asked how her RIMS work was going. She showed that being in leadership at RIMS helped her company to achieve its goals. [10:27] Janice says, when she started at RIMS, there were the local chapters, and then there were industry groups. The real estate industry group was extremely active. It was populated by very experienced real estate risk managers. They served as mentors to anyone coming on. [10:47] The group met not only during RIMS, but also in New York, in the fall, outside of the RIMS conference. Eventually, Jones Lang LaSalle supported the group's meetings and allowed them to use JLL buildings and support from technology to go forward. [11:07] Janice says, when she was going to a RIMS conference, she asked the JLL Board if there was anything they wanted her to focus on when meeting up with risk managers of their clients and vendors. [11:33] Over time, she didn't have to ask. They asked her, if you're going to your RIMS meeting, talk to this person. See if you can find out about this issue. There was connectivity between what Janice did at RIMS and supporting JLL. [12:10] Justin asks what Janice taught in high school. It was English and French. She can still speak un petit peu of French. She enjoys opportunities to speak to people in French and ordering from French menus. As a teacher, she wanted something different and moved into business. [12:42] Justin says that in over 400 RIMScast episodes, Janice might be the first guest who went from teaching and transitioned over to insurance. Janice says making lesson plans and executing them is good training for business. [13:07] Janice says she learned how to explain things. She had to translate insurance into real estate speak for JLL. She had to take real estate speak and translate it into insurance speak for underwriters and brokers. [13:22] Janice was comfortable speaking to groups because she had been speaking to unruly teenagers and getting them under control. Talking to a bunch of business people, who at least pretended to be interested, was a piece of cake. Janice says it was fun, and a good transition. [13:55] Justin brings up Janice's time as the Director of Government Affairs for RIMS. She became chair of what is now known as the RIMS External Affairs Committee. Lance Ewing nudged her into the role in the late 1990s. Then the September 11 terrorist attacks happened. [14:40] Janice says that one thing that's missing from most recollections is the immediate impact that the 9/11 terrorist attacks had. Before 9/11, there was the general perception that our borders were safe; there wasn't going to be an attack on U.S. soil. [15:15] When we saw the towers burning, when the plane went down, when the Pentagon was hit, that illusion was shattered. There was fear. We didn't know if this was the first of an aerial attack. Janice was on the 70th floor of the Aon Building, so it was a real concern for her. [15:40] Janice says, we didn't know if there was going to be an invasion or similar attacks around the country. To develop good risk management practices, the first thing you have to do is define the risk. [15:53] Janice says, we couldn't define the risk. The only thing we could do immediately was respond to the situation. She was thinking more with her Jones Lang LaSalle hat than with her RIMS hat. The entire leadership and spouses were on the West Coast doing strategic planning. [16:20] Janice says most of them operated in the Midwest and the East Coast. They had to get back, but there were no planes, no trains, and no transportation. They tried to get rental cars. So did everyone else in the world. [16:50] When they couldn't get more rental cars, they went to a used car lot and bought vans, station wagons, and whatever they could find where couples could travel together to similar places. When they got to where they were going, they sold the cars. That's how they got back. [17:15] Janice says, meanwhile, our technology folks were setting up hotlines: one hotline to figure out where people were. We had people traveling or on vacation. We didn't know where they were, and there was very limited communication. Phone lines and internet were down. [17:45] We set up a hotline. Every employee was required to call in every day for a couple of weeks, identifying where they were, whether they needed help getting back to their home, and what other resources they might need. The hotline helped them to get those resources. [18:06] The second hotline was for families. Families called that line if they were unable to reach their loved one. If the employee had called the hotline, JLL could tell the family where the employee was, how things were going, when they might get home, and take note of needs. [18:26] Janice says that's what was happening on the home front, away from the immediate needs in each of these 9/11 sites. It was only after that that you could settle back and think strategically about what it meant on a broader basis, and that's when she put her RIMS hat on. [18:49] Justin guesses that at the time, Jones Lang LaSalle had thousands of properties across the U.S., with millions of square feet. So there is the security risk at those buildings, as well. Janice agrees, absolutely. [19:04] Janice says people focus on New York and D.C., but in Kansas, Nebraska, and all around the country, everyone was in shock and preparing for the worst. [19:26] Janice says she remembers sitting on the 70th floor of the Aon Building, once they let everyone in, after a few days. There were windows all around, and her window looked out onto Lake Michigan, where all the military patrols were, over the lake. [19:52] Janice clearly remembers many times over the next several weeks sitting there and suddenly seeing a black helicopter rise into view. She could see the pilot's face, and she waved. Then it would descend. She says it was reassuring but also scary. [20:30] Justin asks about the hotlines. Janice says Jones Lang LaSalle did things collaboratively. If Technology was working on something, they brought in Risk, Legal, and HR, and they all sat down and figured it out. They were all a part of whatever strategy was needed. [20:55] Janice was involved. She was an important member of the Security Team and the Safety Team, and was involved even in the aftermath, coming up with ways in which to strengthen and protect their buildings. [21:08] People were worried about chemicals being thrown into the ventilation. So they came up with ways to protect that while still letting air into the buildings. What to do to allow people back in. All of those things had to be considered, for safety and for the practical effect on operations. [21:33] A Quick Break! Many fantastic RIMS events are coming up in 2026. The 11th Annual Chicagoland Risk Forum will return to the Old Post Office on Thursday, September 24th, 2026. Visit ChicagolandRiskForum.org for more information. [21:46] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. The agenda is live, and registration is open. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [22:02] Save the dates: October 18th through the 21st. In Quebec City, we will be hosting the 50th Annual RIMS Canada Conference. Booth sales are open, and sponsorship opportunities are still available. Visit RIMSCanadaConference.ca for more information. [22:24] Also, remember to check out RIMS.org/Canada for our spinoff show, RIMScast Canada, with a new episode every month. [22:32] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. Registration is open. Visit RIMS.org/ERM2026. [22:46] We're already looking to RISKWORLD 2027, which will be held over four days in New Orleans, Louisiana, from April 18th through the 21st! RISKWORLD 2027 Registration is open to organizational, individual, and associate RIMS members. [23:04] Get first access to the hotel block. Hotel reservations open on October 28th, ahead of public registration. Sitting this out is the real risk! The link to registration is in this episode's show notes. [23:17] Let's Return to Our Interview with Former RIMS President Janice Ochenkowski! [23:41] Janice says she needed to wear her RIMS hat almost immediately. She says everyone realized that there was "innocuous" language in all policies that said terrorist acts were covered. [23:57] There were no limits, sublimits, or deductibles. It was standard coverage because no one expected it to be a real issue. Then it was. There was an immediate concern as they looked at what their total exposure was. [24:14] There was the concern about what to do for new policies. There was a moratorium on policies, as there always is after a particular crisis. When they were reissued, that language was removed. That might not seem like a problem for organizations with no real risk. [24:35] Janice says, in the risk management area, there were covenants in our client contracts, from language pulled from insurance policies, that now we couldn't satisfy that requirement. We were in violation of our contract. [24:54] Janice says the more critical issues were loan agreements and mortgages. Lenders required terrorism insurance. They weren't going to take that out after 9/11. We were faced with a terrible conundrum. We were in violation of our loan agreements. [25:16] Janice says nobody moved quickly to foreclose on any of those things, but it was hanging over our heads. Unsuccessful efforts to renegotiate were going on, all across the country. Congress was absolutely unwilling to become the Federal program for terrorism. [25:39] Janice says Congress refused to consider it being another flood insurance program because that wasn't going too well. Insurers started trying to figure things out and made some limited amounts of coverage available. [25:55] At one point, globally, there was $10 million of terrorism coverage available. $10 million didn't satisfy anybody's loan requirement. Ultimately, it went up to $25 million, but it was still a problem. [26:24] Organizations like the Real Estate Round Table, RIMS, and other groups formed coalitions. Jim McIntyre was very helpful. He had contacts in all those groups. He inserted RIMS wherever he could. [26:49] JLL saw the basic need for what Janice was doing at RIMS, so she had carte blanche to go to Washington whenever she needed to work on these matters. These groups were able to explain to Congressional aides and the business press what things meant, in plain English. [27:33] Januce says, you tell them, this building goes into foreclosure, and the guy running the coffee shop doesn't have a job anymore. Development and construction totally stop. Nothing was being built. That impacts all the trades and unions, so they joined the coalition. [27:57] Unions became activists because their members, who thought they had jobs starting over the next several months, were now sitting on their hands with nothing to do. Small businesses set up around the potential sites had nothing happening. [28:18] Janice says there was a financial impact from that decision by insurers. It wasn't a faulty decision; they had shareholders. [28:33] Ultimately, after long discussions and negotiations, Janice testified before the President's Working Group on Terrorism, and before Congress, and met with Congressional Aides who were working on various bills, and was able to assist in passing TRIA. [28:58] TRIA wasn't perfect, but what it did was bring together the three major parties who had the most skin in that game and gave each of them a relative amount of financial responsibility in what happened. [29:12] These parties were the policyholders, with huge deductibles; insurance companies, with caps and reasonable premium allocations for risks, and the Federal Government, which came in after tens of millions of dollars had been paid out and criteria were met. [29:45] The Federal Government wasn't being capricious, or taking first-dollar risk, but was a backstop, so that there wouldn't be financial ruin and we wouldn't have a lot of bankruptcies. Imperfect as TRIA was, it solved a problem. [30:06] Janice says there have been several reauthorizations, and it has been tweaked each time to meet the issues and criteria that had to be met. Justin asks about cyber and forms of terrorism that may not be physical acts of terrorism. [30:31] Janice mentions the NBCR, for Nuclear, Biological, Chemical, and Radiological threats. It raised the issue, and there were risk management processes that were able to minimize those risks. [30:49] One more Quick Break! RIMS, The Foundation for Risk ManagementTM, is dedicated to shaping the future of the profession. By making a contribution, you are strengthening the global risk management community and investing in the future of the industry. [31:09] The Foundation also supports the Spencer Educational Foundation but has a different mission. The Foundation focuses on providing opportunities for those professionals who have already decided to enter risk management and are just getting started. [31:23] You can learn more about the Foundation by visiting www.RIMS.org/FRM.  While you're there, be sure to check out information about the Susan Meltzer Scholarship Fund, which was established to honor Ms. Meltzer, who was RIMS President in 1999 and 2000. [31:42] Susan Meltzer was a cherished RIMS President and contributed so much to RIMS and the greater risk community. Learn more at RIMS.org/FRM. [31:51] Let's Return to Our Interview with Former RIMS President Janice Ochenkowski. [32:12] Janice says meeting with Congressional Aides and Policymakers on Capitol Hill was intimidating the first hundred times she did it. You're walking into these buildings that you've only seen photographs of. You're going into the offices. [32:24] Jim McIntyre had explained to her that Congressional aides have a lot of power over the bills and the language in the bills. The Congresspeople they work for look to these aides to be their technical resource. [32:42] While some people were angry that they couldn't meet with the principal; they were only going to meet with the staff, but you want to meet with the staff. [32:57] The staff will take the time to sit down with language and work with you on it, and you'll have a better chance of impacting things by developing relationships with them. It worked very well. Some of the work Janice did with Jim before 9/11 really helped. [33:22] There was some insurance legislation that was going on. Aides did not understand what it meant. Janice ran a lunch program for the aides and taught them the basics of insurance. She bought pizzas for them. Now, you can't do that because you can't buy them lunch. [33:44] Janice says they were coming to learn. Many of them were thankful because it gave them an understanding of what people were talking about and why certain things mattered. We had built some groundwork before TRIA. It helped because I already knew some of the aides. [34:00] There were already relationships. They were willing to sit down and talk with us. We were the voice of the insurance buyer. Previously, when insurance matters were discussed on the Hill, insurance companies and brokers were lobbying. This time, it was the voice of the buyer. [34:29] Janice says, We were constituents. We represented industries and organizations that were in their respective districts. Our voice became an important voice, distinct from the insurance industry. It reinforced RIMS's importance and raised our visibility on the Hill. [34:58] In 2004, Janice testified before a Senate Government Affairs Subcommittee on Insurance Brokerage Regulation regarding TRIA. Janice says, walking in, she was overcome with a sense of history. The panel was people she had seen on C-SPAN. [35:26] Janice says she was terrified she would say something wrong, that it would come out backwards, and that she would embarrass RIMS, JLL, and herself. She was used to speaking in public, but this was just different. It all went well in the end. [35:55] Janice says she had a prepared statement. Then there were five-minute questions and answers. Janice says there is a clock counting down, and when it gets to one minute, it starts flashing. She says it was a little unnerving and she stuttered a few times. [36:33] Janice says they interrupt your five minutes with questions, so your time is less. You're supposed to summarize what your position is and what you're testifying for. When you're on a panel, it's not the same as when they're conducting a hearing, accusing you of wrongdoing. [37:02] Janice says the Congress Members are trying to get information and a few sound bites to send home. It's not antagonistic. They're not trying to trip you up on anything. Once you become accustomed to it, the next time is a little easier, because you're relaxed. [37:29] In 2006, Janice appeared before the House Subcommittee on Financial Services about Insurance Modernization. Janice says it was a topic that she had a lot of comfort in speaking about. She wasn't quite as nervous about getting the facts mixed up or totally blanking. [38:05] Janice says she was part of a panel of five or six people. It's for an hour or so. They might pause if somebody has to take a call. [38:36] Janice became RIMS President soon after. [38:52] In 2012, Janice returned to Capitol Hill for a hearing before the Subcommittee on Insurance, Housing, and Community Opportunity of the Committee on Financial Services in the U.S. House of Representatives. [39:08] Janice says she always spoke in RIMS's capacity. JLL did not do any lobbying. JLL joins groups, like the Real Estate Round Table, RIMS, and other groups that represent their interests. [39:36] Janice says that for the 2012 visit she had a greater comfort level. It was on an issue she was comfortable with: broker compensation. It was easier to discuss. She still had the same anxieties about being in Congress, in that room, with all the history, speaking to icons. [40:23] Justin says that TRIA was eventually passed. It's been reauthorized a couple of times. It has made a difference for companies and for society, at large. Janice says it raised RIMS's profile in the eyes of the others who were participating and testifying. [40:46] Janice says RIMS got a lot of press. The Wall Street Journal and the business press, in addition to insurance publications, presented information about RIMS. On a corporate level, when Janice's name was printed in association with JLL, clients asked about it. [41:18] Janice says, with things like TRIA, or general insurance questions, clients would go to their risk managers and ask them to contact me to get information. This delighted JLL because it was a closer client relationship. JLL had an initiative to provide specialist experts for clients. [42:23] Janice says if you go before Congress, the most important thing is to do your homework. Even if you're comfortable with public speaking, don't expect you can ad-lib to a Committee. Prepare, prepare, prepare, and understand the pros and cons. Practice with potential questions. [43:06] Janice practices loudly to learn what word combinations she stumbles over. Then she removes them from her presentation. She says when you're more prepared, you're more self-confident. That makes you a better presenter. Justin says, also, rehearse in different places. [44:29] Janice takes a somewhat formal draft and then "Janicizes" it. She writes it in a way that's more conversational, as she would speak, rather than reading something formally. That makes you more comfortable, so you're a better presenter. [45:22] Janice says it seems that everybody knows when it's time to pass the baton to the next generation. She loved what she did, and she did it well; she was open to new ideas, but she was standing in the way of the next generation of leaders moving forward. She didn't want to do that. [45:55] Janice says that people with new ideas, generational ideas, who could relate to what's coming up, need to be allowed to move forward. [46:12] Janice says, think about what's happening in Washington. People need to move aside to let a new generation of leaders come in. Otherwise, you're missing that energy and enthusiasm of a new group of leaders. That's life. You move away and let the new guy in. [47:05] Webinars: On September 17th, AXA XL returns to present the session, "Beyond the Loss Count: What Property Claims Reveal About Frequency, Severity, and Resilience." [47:16] On October 1st, Brown and Brown will make their RIMS Webinar debut with "The Future of Captives: What Risk Managers Should Think About Now." [47:26] On October 8th, Global Risk Consultants will present "The 2027 Risk Agenda: 10 Engineering Priorities Risk Leaders Should Act on Now." [47:35] On October 15th, Verisk Maplecroft will lead the session, "Beyond the Horizon: Turning External Risk Into Decision-Ready Insight." [47:44] On October 22nd, Zurich will present "Cybercrime, Fraud and AI: Real-World Threats and Practical Defenses for Business Leaders." [47:53] Origami Risk will return on October 29th with a topic that will be announced soon. [47:58] On November 5th, Riskonnect returns to deliver the session, "Signal Over Noise: Smarter Risk Analytics." [48:05] RIMS Certification Week will be held from September 21st through the 25th. All three webinars are complimentary for all and are available through the Webinars Page on RIMS.org/Webinars. [48:21] Let's Conclude Our Interview with Former RIMS President Janice Ochenkowski! [48:34] Justin says Janice became RIMS President during the housing and mortgage crisis of 2007-2008. Janice says it's something risk managers need to think about. When there is a crisis, you don't step away from it; you step into it. You show leadership.  [49:17] Janice says she was able to help resolve something that was one of the most critical issues at that time. At the beginning, the financial crisis focused on AIG and its vulnerability to bankruptcy, and what that meant to the entire insurance industry. [49:47] Janice says it was really difficult because AIG was a major insurer for almost every large corporation in the U.S. and globally. Suddenly, senior board members were wondering if their claims in process would be paid. Will AIG go bankrupt, and what will happen to those claims? [50:15] They wondered if they should cancel their policies mid-term and underwrite with someone else, and if so, who? What will the financial impact of that be? Boards were coming to risk managers with those questions. Janice had those questions herself. [50:35] Janice says we were totally unprepared to answer them. We didn't have any more information than you were reading in The Wall Street Journal. Janice and the phenomenal RIMS staff put together a series of podcasts, the first of which was in three weeks. [50:59] Janice says they got sponsors and speakers. They contacted experts in various areas and senior executives at the major insurers, including AIG, and insurance brokerages. They were willing to sit and talk to their clients and to be shown as thought leaders in the area. [51:20] Janice says at the time there were 1,000 talking heads saying what should be done, but there were very few facts. You can't form a good risk management response to anything until you have facts; until you have data you can rely on and move forward with. [51:50] Janice says RIMS strove to provide facts. When they did the podcasts, they did not only invite RIMS members. They sent invitations to the C-Suites of major corporations. They told The Wall Street Journal and other business publications they were running these podcasts. [52:06] There was a series of podcasts. People tuned in. They were interested. RIMS established credibility with the information they provided. RIMS gave them tools and told them what to think about and consider, and what the ramifications could be, and let them decide for themselves. [52:55] Janice says that it seemed to be a popular series, and it raised RIMS's profile within the general business community and the C-Suite, even in areas that didn't have dedicated risk managers who reported to the C-Suite. It was one of the most important things RIMS did. [53:25] Janice says, then they went to Congress and talked to them about solvency and more. Also, Janice says they kept in touch with Congressional staff between meetings. The key to relationships on the Hill is meeting with aides. Many move from one Congressperson to another. [53:49] You keep up the relationships, and that gives your organization credibility. You're there consistently. Once an aide called and asked her to help define risk management for a piece of legislation. They had no real idea. She helped them craft something reasonable but not onerous. [55:14] Justin brings up the RIMS Annual Legislative Summit. They have a presence on Capitol Hill every year. It's a two-day or two-and-a-half-day event, so members who attend can get onboarded, know their talking points, and know the issues. Janice elaborates on preparation. [56:15] Janice says the Legislative Summit brought a lot of people from local RIMS chapters into the External Affairs Committee. That was a good pipeline. [56:31] Justin says his experience in 2018, for the reauthorization of the National Flood Insurance Program, was everything Janice mentioned. There was a small card with talking points, there was a rehearsal, coaching from professional lobbyists, and industry leadership. [57:10] Justin says it was a great experience. They met with aides, brought maps, and showed flood zones. They had the talking points down, and it was effective. It was one of the best experiences he could have had as a new RIMS staff member. It was excellent. [57:59] Justin remarks that Janice was the right person for the job. Her experience at Jones Lang LaSalle was terrific. Janice was a lifer. She retired in 2018, after 38 years. [58:46] Janice says risk management has certain basic things, but you have to evolve with the times. You can't resist change; you have to look at change as an opportunity. [59:00] If you're a smart risk manager, you're going to lean your company into that opportunity. Janice says, when people were working in her generation of RIMS, it wasn't unusual to spend a career at one or two companies. There was stability. You didn't need to leave to be promoted. [59:26] Janice became a Partner. When they were incorporated, she became an officer. When she ended her career, she was an Executive Vice President and part of the Global Operating Team, which set strategies for all JLL businesses. They reported directly to the Board. [59:51] Janice says risk management had a fairly high profile. New risk officers may not have that opportunity because the business world is demanding that you move every three to five years to get promoted. [1:00:23] Janice says whatever works for you and your organization and helps you move forward is what your personal strategy needs to be. Janice says, not only those who died in the towers, in the Pentagon, and in the field, but those who walked away with scars, visible and invisible. [1:00:40] Justin takes a moment to address and honor everyone who lost their lives during the 9/11/2001 terrorist attacks, on its 25th anniversary. [1:01:04] Janice speaks of the first responders and volunteers who rushed in to help and walked away with lifelong consequences from the materials that they inhaled. [1:01:19] Janice says, We just need to spend a few minutes on 9/12 remembering them and making sure that the relevance and their sacrifices are noted. [1:01:36] Janice, you've given us so much inspiration, and told us what it took for you to be an effective RIMS President. To anyone thinking about pursuing a leadership role at RIMS, starting out now, what advantages do they have to position them for success as a RIMS leader? [1:02:06] Janice says, the most important benefit that exists today, that didn't when I was starting, is technology. Today we do Zoom calls. Getting together and communicating was much more onerous. [1:02:23] It wasn't as easy to get people from across the country together and work collaboratively. We can do that easily now. People are taking advantage of that. They're using social media to spread ideas. [1:02:41] Janice says her generation struggled with social media. She did it because that's what she had to do. You can't stagnate. You've got to move with the changes as they come and figure out how to use those changes to move yourself forward. [1:02:58] What will technology and AI mean to risk management? What will they mean to RIMS? How is RIMS going to use AI? How is RIMS leadership going to use AI to promote what the important basics of risk management are and can be? Those are things you have to consider. [1:03:18] In order to be an effective leader at RIMS, you have to get the absolute support of your organization. You've got to connect those dots. You've got to show how and why your leadership at RIMS is going to benefit your company. [1:03:42] Telling your leadership you're going to a conference is not going to convince them that there's anything important going on. [1:03:56] The way to convince them is to tell them there's a conference. These are the sessions that they're going to have. This is the speaker they will have. That speaker is someone I think will tell me information about how to address this issue. [1:04:13] This session is about an issue that we faced last year. I want to go and see how others are doing with it. The next step is to come back and write a note telling leaders what you learned in that session. Ask, Can I meet with you to talk about these things I think we can implement? [1:04:42] You're showing that you're taking the information you're learning and using it to improve risk management in your company, and more importantly, the business of the business you are working in. [1:05:00] When Janice was President, she would visit a chapter and ask everybody who's in the insurance industry to raise their hands. They would raise their hands. Then she told them, no, you use the products of the insurance industry, but you are your company's representative. [1:05:51] Janice Ochenkowski, thank you so much for all your time and your insight today. It's such a pleasure to meet you face-to-face, and I hope we get to do that in person at a future RIMS event. [1:06:06] Special thanks again to former RIMS President Janice Ochenkowski for joining us here on RIMScast! This was a lot of fun, and there are plenty of great takeaways about TRIA, RIMS, public speaking, and honoring the victims of the 9/11/2001 terrorist attacks. [1:05:26] It was a real pleasure to meet Janice Ochenkowski, one of our most revered leaders. [1:06:30] Plug Time! 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. [1:06:48] 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. [1:07:04] 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. [1:07:17] 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. [1:07:29] Practice good risk management, stay safe, and thank you again for your continued support!   Links: Spencer Educational Foundation's 2026 Funding Their Future Gala | Sept. 17, 2026 ChicagoLand Risk Forum | Sept. 24, 2026 RIMS Certification Week: Sept. 21‒24 | Complimentary For All RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today. RIMS Canada Conference — Oct. 18‒21, 2026 | Quebec City | www.rimscanadaconference.ca | Sponsorship Opportunities Available RIMS ERM Conference 2026 | November 19‒20 in Columbus, Ohio | Registration Now Open! | www.rims.org/ERM2026 RISKWORLD 2027 Registration RIMScast Canada — Episodes Now Live — Watch the new video with Sophie Grégoire Trudeau. The Strategic and Enterprise Risk Center RIMS, the Foundation for Risk Management Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! RIMS Diversity Equity Inclusion Council RIMS-CRMP Stories RISK PAC | RIMS Advocacy RIMScast on YouTube! RIMS Risk Management magazine | Contribute | Q2 2026 Issue Now Available Sponsor RIMScast — Sales@RIMS.org Upcoming RIMS-CRMP Virtual Workshops: Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops   Upcoming RIMS Webinars: RIMS.org/Webinars "RIMS Student Series: Classroom to Career Part 2" | Sept 9 | Complimentary for all "Beyond the Loss Count: What Property Claims Reveal About Frequency, Severity and Resilience" | Sponsored by AXA XL | Sept. 17, 2026 "RIMS Certification Week: Sept. 22‒24" | Complimentary for All "The Future of Captives: What Risk Managers Should Be Thinking About Now" | Sponsored by Brown & Brown | Oct. 1, 2026 "The 2027 Risk Agenda: 10 Engineering Priorities Risk Leaders Should Act on Now" | Sponsored by Global Risk Consultants | Oct. 8, 2026 "Beyond the Horizon: Turning External Risk Into Decision-Ready Insight" | Sponsored by Verisk Maplecroft | Oct. 15, 2026 "Cybercrime, Fraud and AI: Real-World Threats and Practical Defenses for Business Leaders" | Sponsored by Zurich | Oct. 22, 2026 "Signal Over Noise: Smarter Risk Analytics" | Sponsored by Riskonnect | Nov. 5, 2026   Related RIMScast Episodes: "Opening Windows of Tolerance with Sophie Grégoire Trudeau" "When Geopolitics Hits the Balance Sheet with Cari Stinebower" "RIMS Advocacy in 2026 with Mark Prysock"   Sponsored RIMScast Episodes: "48 Hours From a Storm: What to Do Before A Hurricane Strikes" | Sponsored by Global Risk Consultants, a TÜV SÜD Company (New!) "AI-Scale, Risk Ready: Engineering Controls for the New Data Center Boom" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Facing Into Risk: Navigating the New Risk Landscape" (New!) | Sponsored by AXA XL "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "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 "How Insurance Builds Resilience Against an Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   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 Manny Padilla!   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: Janice Ochenkowski, Former RIMS President   Special introduction by RIMS CEO Gary LaBranche   Production and engineering provided by Podfly.

The market is up big today… but does that actually mean the bull market is back? SPY and QQQ are both pushing higher, yet this market has spent weeks bouncing back and forth inside the same range. One green candle can create a massive amount of FOMO, but when you zoom out, price is still sitting near levels we saw only days ago.And that's the problem with a “kangaroo” or pinball market. It jumps up, falls down, jumps up again, and makes traders feel like they're constantly missing something. These are some of the hardest conditions to trade because there isn't a clean trend to sit in. Instead, traders get tempted into chasing every short-term move.The trend template is technically bullish. The 10 EMA is above the 20 EMA and price is above the 50 EMA. But market breadth tells a very different story. Every single sector still has bearish breadth, the number of stocks in uptrends has been falling, downtrends have been increasing, and only about 18% of the market currently has buy signals.That's why one of the biggest lessons in this episode is simple: when there's nothing to trade, sitting in cash is still a position. Trying to catch every little move can drain an account before the real opportunity ever arrives. Energy and materials are the only sectors showing positive weekly and monthly performance, and even those come with serious problems. Materials continues to see increasing sell signals, while energy carries significant geopolitical catalyst risk.Instead of forcing trades, we're using this period to build better trading plans. SPY and QQQ are beginning to develop into different strategies, with the focus shifting beyond pure expectancy toward something just as important: whether a trader can actually stick with the plan.That leads into the “Emotional Comfort Score” or sleep-at-night score. We're looking for strategies that combine strong expectancy with bigger winners, smaller losers, higher win rates, better trade frequency, and reduced drawdowns. The goal isn't necessarily to capture every last dollar of upside. Sometimes giving up some upside in exchange for dramatically smaller downside can create a plan that's easier to execute consistently.Capital efficiency is another major part of the research. Deep-in-the-money SPY options around 75 delta may allow a relatively small percentage of the account to replicate exposure that would otherwise require a much larger position in leveraged ETFs. Rolling options could also allow profits to be taken off the table while keeping the underlying trade alive.✅ SPY, QQQ, and the current “kangaroo market”✅ Market breadth, trend templates, and why one green day isn't enough✅ Sitting in cash and avoiding FOMO-driven trades✅ Expectancy, win rate, drawdowns, and the Emotional Comfort Score✅ Deep ITM options, capital efficiency, rolling, and new trading plansIf you've ever watched the market rip higher for one day and felt like you HAD to jump back in… this one is worth watching. A green candle doesn't automatically mean conditions are good. Sometimes the best trade is waiting until the evidence actually supports taking risk again.Subscribe to OVTLYR for disciplined trading strategies that actually make sense.

Freaking out trying to choose the exam prep resources for the Transportation PE that are actually worth your money?

Jason didn't set out to build a construction company in one of the most remote regions of the country. He and his wife took a vacation to Alaska in 2015, ended up on an impulse land purchase after driving up a random road outside Anchorage, and two years later relocated for good. Island Construction launched in June 2019, and Jason has been building both residential and commercial projects there ever since. The conversation digs into what makes running a contracting business in Alaska fundamentally different from the lower 48. Materials mostly arrive by barge out of Seattle, air freight is prohibitively expensive, and Jason is currently in talks with companies in China and Vietnam to bring modular housing into the state. With a total state population of roughly 700,000 to 750,000, and skilled labor already in short supply, staffing is Jason's single biggest constraint as a business owner. Jason also opens up about a challenge the industry doesn't talk about enough: the impact of Alaska's extreme seasonal darkness on mental health, and how that has contributed to substance abuse struggles among people in the trades. After losing his brother, Jason started Joe's House Foundation, a 501(c)(3) nonprofit aimed at supporting people facing those same struggles. The episode leaves you with a real question for anyone running a business in a tough market: when the resources and the workforce aren't there, do you lower your standards, or do you build the systems and support to raise everyone else up to meet the opportunity? Connect with Jason: LinkedIn: https://www.linkedin.com/in/jasonnovotny/ Connect with Hiland Construction: LinkedIn: https://www.linkedin.com/company/hilandconstructionllc/ __________________________________ https://steverozenberg.com/ __________________________________ Steve Rozenberg, originally aspiring to be an international pilot, navigated a challenging shift in his career trajectory when the 9/11 attacks jeopardized his pilot career. Turning adversity into opportunity, he embraced his entrepreneurial spirit and transformed his situation into a multimillion-dollar success story. As the proud owner and founder of The Rozenberg Group, an esteemed international consulting firm, Steve is dedicated to helping clients achieve their goals and regain control of their time and freedom. Beyond his role as a successful entrepreneur, Steve is renowned for his dynamic keynote presentations. He delivers motivational and inspiring speeches that resonate with audiences, providing actionable steps, business systems, and a roadmap to success. His direct yet hopeful messages engage audiences both mentally and emotionally, instilling a positive outlook and guiding them toward success in various aspects of life. Despite facing an unimaginable tragedy on March 6th, 2023, with the loss of his beloved son Jett in a motorcycle accident, Steve demonstrated an indomitable spirit. In honor of Jett's remarkable life, filled with global adventures, martial arts, music, and inspiration, Steve and his wife Renee established the LIVE LIKE JETT SCHOLARSHIP FUND. Learn more: livelikejett.org This scholarship fund serves as a tribute to Jett's legacy, encouraging others to embrace life fully and persistently pursue their dreams. The fund specifically supports high school students seeking to enter the trade industry, mirroring Jett's passion as a welder. Currently, Steve Rozenberg channels his extensive experience as a successful real estate investor to mentor and guide individuals toward prosperity. Despite the challenges he has faced, Steve remains committed to inspiring, uplifting, and creating a positive impact on the lives of those around him. ➤https://www.facebook.com/SteveRozenberg1 ➤https://www.instagram.com/rozenbergsteve _______________________________________________________________________ #SteveRozenberg #TwoDayTakeoff #Opportunity #ChangeYourLife #Entrepreneur #LiveLikeJett #FinancialFreedom

Joining John Maytham to unpack the research and what happens next is Daniel Kwasi Kpeglo, who has just completed his PhD in Materials Science and Computational Physics – he discusses a new study has explored the possibility of using an ultra-thin nanomaterial coating on a floating plastic sheet to block heat-carrying infrared radiation while still allowing visible sunlight through. Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. Thank you for listening to a podcast from Afternoon Drive with John Maytham Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

The Australian share market fell for a third consecutive session, breaking below the key 9000 point level for the first time since late July. Stronger than expected economic growth data ramped up expectations for an RBA rate hike in September, while escalating Middle East tensions and a US bond market sell-off added pressure. Materials and gold stocks led declines, though energy remained the year's top performer.Steve Daghlian and Laura Besarati are Market Analysts at CommSec. Each episode, they break down the day's market movements and explain what the numbers really mean. Check out our Market News page Follow us on:InstagramLinkedInYouTubeTikTok 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.

Back at it again with more incredible resources to help you all learn & grow as developers! I have found some incredible game dev info whcih I want to share with you all, so sit back, relax and let us get educated! join the Mailing List: https://bit.ly/4eNPm8X ----------  Resources  ----------  The Art of Game Design: https://bit.ly/45ZTUas The Game Narrative Toolbox: https://bit.ly/4zNjIEf Level Design Kit: https://bit.ly/4gYaJ9d Build a Second Brain: https://bit.ly/3V5AHSd Silent Hill Townfall: https://www.gamedeveloper.com/design/how-silent-hill-townfall-gets-deep-into-its-protagonist-s-headspace ----------------------  Let's Design Books  -----------------------  Ebook - https://bit.ly/39BakJD Physical Books - https://bit.ly/3mfOsbS  -----------------------  Contact Me  ----------------------- Website: https://www.maxpears.com/​ Email: leveldesignlobby@gmail.com

Are you looking to save time, make money, and start winning with less risk? Then head to https://www.ovtlyr.com.Learn more about OVTLYR: https://youtu.be/TUCbD5KovlcSector rotation can happen faster than most traders realize… materials can take the lead, energy can suddenly become number one, communications can briefly take over, and then money can move straight into technology. The interesting part? You don't need to predict where it's going next. You can simply watch what's ranked strongest right now and follow the rotation as it happens.There's a part in here that really hits. Looking backward makes sector rotation seem obvious. Of course you can see where the money moved after the fact. But you couldn't see the future while it was happening. That's why looking at which sectors are ranked number one today can be so powerful. It gives you information without introducing hindsight bias.The Sector Intelligence Map is a huge part of this conversation. Materials, energy, and consumer discretionary are currently showing up near the top, but that's only the beginning. The real opportunity comes from drilling deeper into the strongest sectors, then looking at industries and eventually individual stocks. The idea is to follow where the money is actually flowing instead of trying to guess where it will go next.Plan M and Plan ETF also get a close look. With no sector currently showing the required sector relative greed condition for Plan M entries, the focus shifts toward finding other opportunities. Information technology, industrials, and materials are showing growth across different timeframes, with electronic components, computer hardware, and software infrastructure standing out as areas to investigate further.And there's some real trading happening too. Plan ETF gets put on with a full position in QQQ, while paper trades are being used to test new Plan M theories. The discussion gets into the 10/20 cross, why entering closer to an exit signal can mean taking less risk, order blocks, value zones, and how the paper trades are being treated as if they were real positions.The historical sector rotation example is especially interesting. Materials led during the silver and gold run, then energy took over, communications briefly moved to the top, and money eventually rotated into technology. The bigger lesson is that trends don't happen in a single day. Watching the weekly and monthly rankings can give you a much clearer picture of where the rotation is actually happening.✅ Sector rotation and identifying where money is flowing✅ Sector Intelligence Map and ranking sectors without hindsight bias✅ Plan ETF, QQQ, Plan M, and paper trading✅ Information technology, industrials, materials, and emerging industries✅ 10/20 cross, order blocks, value zones, and trading opportunitiesIf you've ever looked at a sector after it already exploded higher and thought, “I should've seen that coming”… this one is worth watching. You can't see the future, but you can see what's leading today. And sometimes that's all the information you actually need.Subscribe to OVTLYR for disciplined trading strategies that actually make sense.

In this episode, Nick and Dan catch-up with Bluberi CEO, Andrew Burke. Listen as Andrew describes how several years of operational and regulatory expansion has positioned Bluberi for the future and how the company's culture and unique approach to brand helps distinguish its offerings in a brutally competitive field. Also hear about Bluberi's unique approach to product design and how its use of character personalities and hybrid mathematical and mechanical concepts give Bluberi products their signature feel. Also in this episode, America's shrinking riverboat sector. © 2015 -2026 RM Holdings B.V. and ReelMetrics B.V. All rights reserved.For transcripts of ReelCast episodes, please see https://www.reelmetrics.com/reelcast.For legal statements apropos of this and other ReelMetrics content / "Materials", please see https://www.reelmetrics.com/legal

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Lawanda "Elle Michell" Hall about working with Spencer Educational Foundation. They discuss experiences outside the classroom, including mentoring, conferences, and responsible communication with industry professionals. They discuss the importance of participating actively in conferences, not just sitting there. Lawanda shares some of the gaps she sees between students' preparation and the readiness employers will expect from them. She explains how coaching can prepare them for entering the risk management workplace. Lawanda encourages RIMS chapters to give the mic to students so they can understand the importance of their voice. Listen for wisdom on listening without judgment and communicating responsibly.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. Our guest is Lawanda "Elle Michell" Hall. She is a risk management student mentor. She is going to talk about how she is helping to guide the next generation of risk management professionals. But first… [:45] RIMS-CRMP! RIMS Certification Week will be held from September 21st through the 25th. A link to the week's events is on this episode's show notes, including three free webinars. The week is a global celebration of the RIMS Certified Risk Management Professional certification. [1:02] It is a virtual event for you to learn about the certification, how it can strengthen your career and organization, and understand how the RIMS-CRMP is helping shape the future of risk management. A link to Certification Week is in the show notes, or find it at RIMS.org/Webinars. [1:20] On September 9th, the Classroom to Career series concludes. Join experienced risk professionals for an engaging discussion about what it's like to build a career in the field of risk management. This session is complimentary for members and nonmembers. [1:38] Webinars: On September 17th, AXA XL returns to present the session, "Beyond the Loss Count: What Property Claims Reveal About Frequency, Severity, and Resilience." [1:49] On October 1st, Brown and Brown will make their RIMS Webinar debut with "The Future of Captives: What Risk Managers Should Think About Now." [2:00] Global Risk Consultants will return on October 8th. Their topic will be announced soon. [2:06] On October 15th, Verisk Maplecroft will lead the session, "Beyond the Horizon: Turning External Risk Into Decision-Ready Insight." [2:15] Origami Risk will return on October 29th with a topic that will be announced soon. [2:20] On November 5th, Riskonnect returns to deliver the session, "Signal Over Noise: Smarter Risk Analytics." Visit RIMS.org/Webinars to register. [2:30] RIMS is back on YouTube. Our handle is @RIMSOfficialChannel. We've got plenty of videos there, including RIMScast, RIMScast Canada video podcasts, and other informative and entertaining content from RIMS. Subscribe to the channel today! [2:48] The Spencer Educational Foundation's Funding Their Future Gala will be held on September 17th at the newly renovated Waldorf Astoria in New York City. Visit SpencerEd.org and the link in this episode's show notes.  [3:05] On with the Show! I mentioned Spencer just now because one of our favorite Risk Managers on Campus is rejoining us here on RIMScast. I'm talking about Lawanda "Elle Michell" Hall. She is the CEO of Intelligent Intentions. [3:21] We will talk about the habits, mindsets, and professional skills that are consistently distinguishing students who are making lasting impressions on recruiters and hiring managers, from those who need to sharpen their skills. [3:34] Also, some of the trends she is seeing among risk students, habits that they need to develop, and some that they need to break. We're going to have a lot of fun! Let's get to it! [3:44] Interview! Lawanda "Elle Michell" Hall, welcome back to RIMScast! [4:09] Lawanda says students preparing for a risk career need a menu of options. The next step would be aligning their appetite to the options, having the courage to create something that may not be on the menu, and having the courage to ask for off-menu options. [4:31] Lawanda says, as we navigate this industry, emerging technologies, and emerging risks, wrapping our minds around companies that don't exist yet and may come to exist, students look to the future, understanding that sometimes the options are not yet on the menu. [4:57] Lawanda encourages them to keep an open mind, keep a creative posture, and have the courage to ask, what are they not seeing on the menu that could also be an option, or how they can co-create an option aligned with their interests but also what the industry needs from them. [5:45] Lawanda and Justin agree that it is a heavy lift for students. Lawanda says students nowadays have such a broad reference that we didn't have, and that puts them in the position to be more creative and thoughtful about the future. [5:57] Lawanda says, tech change is happening much more rapidly for students than it did for us. That gives them a different posture for looking into the future. There's new technology every year. Lawanda says, we didn't replace our cell phones every year. We didn't have cell phones. [6:21] When we got cell phones, we weren't replacing them every year. Now, students are almost expected to update their technology annually. That's indicative of how they feel about the future, changes, and evolution. They have an accelerated understanding of the possibility of change.  [6:40] Lawanda says social media plays into it, where everybody has the latest and the greatest, and they think that they need to have the most updated thing. Lawanda says she gets anxious every time there's an update. Will she have to figure it out all over again? Chances are, yes. [7:43] Lawanda says students embrace that change. They look forward to it, and they expect it. That gives them a different mindset around forward thinking. [8:05] For experiential learning, Lawanda recommends coaching, attending conferences, and making sure students understand responsible communication with industry professionals. If you're not responsible and thoughtful about how you communicate, it can backfire. [8:24] Lawanda says she coaches students before conferences. She helps them understand how to maximize that moment, and not just be sitting there or standing there like a wallflower. She wants them to maximize the moment in whatever way they can. [8:43] Lawanda does coaching. She makes sure they attend conferences, not just the big ones, but also local events that are hosted by professional organizations, including RIMS. Students need coaching, conferences, and responsible communication with industry professionals. [9:18] Justin comments that attending a large conference and speaking to people takes a certain degree of confidence. Justin asks if being in school during COVID prevented young people from picking up social cues and networking cues. [10:00] Lawanda thinks that young people's social connections were declining before COVID due to social media. Students aren't communicating with each other. They text or use social media as armor to make them feel more comfortable and confident in their communication.  [10:22] Face-to-face interaction is awkward because they don't practice it amongst themselves or amongst the community. Lawanda says COVID amplified it, but it wasn't the beginning or the cause of it. [10:38] Social media continues to create that challenge because students are comfortable on their phones and engaging in that space. When students show up, the confidence and courage don't translate from social media to the real world. [11:01] Lawanda says students need to understand social etiquette and multi-generational communication and connection, the things we were taught because we didn't have a phone: you have to make eye contact, speak up so people can hear you; things we take for granted. [12:11] Lawanda says she's very curious. She is intrigued by students, and she listens to them. She wants to hear what they have to say. She doesn't have to agree. She doesn't sit in a place of judgment or offense. If you don't listen to them, they are not willing to listen to you. [12:46] From listening to students, Lawanda gains an understanding of their language so she can use their language to talk to them. It also shows her where their deficiencies are, so she can fill those gaps and help them understand how to take the next step toward their objectives. [13:19] A Quick Break! Many fantastic RIMS events are coming up in 2026. The 11th Annual Chicagoland Risk Forum will return to the Old Post Office on Thursday, September 24th, 2026. Visit ChicagolandRiskForum.org for more information. [13:34] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. The agenda is live, and registration is open. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [13:51] Save the dates: October 18th through the 21st. In Quebec City, we will be hosting the 50th Annual RIMS Canada Conference. Booth sales are open, and sponsorship opportunities are still available. Visit RIMSCanadaConference.ca for more information. [14:08] Also, remember to check out RIMS.org/Canada for our spinoff show, RIMScast Canada, hosted by National Conference Committee Chair, Aaron Lukoni. [14:19] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. Registration is open. Visit RIMS.org/ERM2026. [14:32] We're already looking to RISKWORLD 2027, which will be held over four days in New Orleans, Louisiana, from April 18th through the 21st! [14:42] RIMS members can exclusively register by September 4th for the best rate. And get first access to the hotel block. Hotel reservations open on October 28th, ahead of public registration. Sitting this out is the real risk! The link to registration is in this episode's show notes. [15:02] Let's Return to Our Interview with Lawanda Hall! [15:19] When Lawanda works with students, she starts with the end in mind. What are their objectives? What are they trying to accomplish? This generation is very focused on getting things done. They're go-getters. Impact and results are what propel them. [15:37] They may be stopped, like any human being, by not having the confidence or by fear of what people will think. Lawanda starts with the end in mind by focusing on getting it done. She coaches them through the process and gives them the benefit of her perspective. [15:53] Lawanda reminds them that everybody they talk to are human beings, too. They're imperfect human beings. She tells them, they're here to listen to you because you have a perspective they're interested in. It's going to work out. It's a conversation. You're not on trial. [16:14] Just think about the objective and keep it in mind to push through. [16:49] Lawanda says students want immediate impact, as far as the next step or thing, and instant feedback, but not necessarily instant completion. If they have a big goal, or big things to accomplish, it's not going to happen in a moment. [17:09] They want instant feedback. They don't want to be told they will figure it out later. Do they follow up? They want to know that this step is complete to get ready to go to the next step. Lawanda says that is realistic, and it accelerates what they're trying to accomplish.  [17:36] Justin says that his daughter zones out over context when she asks for help with her homework. She just wants the instant answer. That's the future workforce of the industry. [18:23] Lawanda says the students don't value context as much as earlier generations. Our responsibility as a generation is to help them learn how to think. Critical thinking is a dying art. Lawanda challenges them on how to think things through. [18:42] If they ask a question, Lawanda may ask them another question to help them think through it, and walk them through the thinking process, versus just giving them an answer. Also, she may use a reference that they have in their world. [19:03] Lawanda has godchildren who are young enough to keep her fresh with what's popular. Lawanda likes to use a reference that's familiar to students, to pull them into the thinking game; thinking through a process. Just asking and getting the answer is not transformative. [19:36] Justin says we don't want them always asking their phones for the answers. Lawanda says that flattens their thinking. It's important that we call them up to be critical thinkers. [19:50] One More Quick Break! The Spencer Educational Foundation's Funding Their Future Gala 2026 will be held on September 17th in New York City at the Waldorf Astoria. This year's honorees are two of our recent guests, Sierra Signorelli of Zurich and Marya Propis of RT Specialty. [20:14] A link to the Gala is in this episode's show notes. [20:18] The Spencer Educational Foundation's Internship Grant applications opened on August 15th and will close on October 15th. A link to the Internship Grants page is in this episode's show notes. Visit SpencerEd.org for more information. [20:39] Let's Conclude Our Interview with Lawanda Hall! [21:16] Lawanda says there is a communication gap between generations. That's not new. Every generation has that gap of understanding, based on where they sit. The socio-emotional gap is new and growing, created partly by the helicopter parenting, everybody-gets-a-trophy approach. [21:42] Lawanda says people who are entering the workforce are looking to work and contribute to make a living. People who are hiring are looking for that, too. They're looking for a good work ethic. The disconnect is in the how. The work they do hasn't changed as much as how they do it. [22:09] Lawanda has heard of people bringing their parents to work to advocate on their behalf because they don't have the courage to have the conversation with their boss. She has heard of this generation bringing their parents into interviews, because they're not sure what to do. [22:50] Lawanda leans into her curiosity and asks, How did we get here? Why are students not courageous enough or able to do these things on their own in their early 20s? She has questions of parents and questions of students, and the educational institutions? What are we not doing? [23:21] Lawanda says we have co-created this. We can't just put it on the students. They didn't raise themselves. They're not in a silo. We have to look at the entire environment and ask, Who contributed, how, and why? [23:40] Lawanda continues, Why are we here where we don't have adults who have the courage to show up in the way that they have in generations past? Justin displays his shock at the scenario. Lawanda doesn't know if the parents volunteer or if the students ask them to go. [24:39] Lawanda wants to examine that construct and ask what's going on here. Parents have gone from coaching to coddling. Lawanda says that's a big contributor to students' inability to sit as an adult with other adults, have courageous conversations, and show up with confidence. [25:08] Lawanda says if she had asked one of her parents to go to an interview with her, they would have laughed and told her she was crazy. They would not have entertained that. Why are parents doing it? These children did not raise themselves. [25:24] Lawanda says coaching is very important. When she coaches students for an hour, she can see the shift in their understanding. They're getting information, agency, and authority over their being that they didn't have before she talked to them. [25:40] Lawanda says, for some reason, there are parents who are not handing over agency and authority to students at the time that they need to, so you have 25- and 30-year-old teenagers who don't understand how to adult in the workforce. That is a big disconnect. [26:05] Lawanda says students are smart and capable of doing the work. How they show up for work, and the socio-emotional disconnect, is one of the biggest challenges for this generation of students and employees. It feels like babysitting. A business is not a day-care. [26:29] Lawanda says, you want them to come in, do work, and contribute, without having to feel like you need a whole team of Social Workers in HR to make sure that employees are OK. That's counterproductive and antithetical to adulting and what you expect from an adult. [27:35] Lawanda says judgment and criticism create more distance. Our goal is not to create more distance, but to close the gap, embrace them, bring them forward, and call them up into their power, into their authority, and hand over the agency to them, so that they understand. [27:48] It's not that they can't do it. They haven't been given permission to do it. They lack social opportunities in their everyday life, the things we took for granted, like going outside and playing kickball and hanging out with other kids. [28:06] You learn so much in that space. Your confidence grows, your courage grows, your problem-solving skills, and your thinking skills; all these things are taking place. These students aren't getting that. [28:17] They're in their room on their phones, scrolling, hearing opinions, giving opinions, being judged, judging, and not socializing. Justin says, it's all noise; it's not constructive. There's a difference between controlled chaos and chaos. Justin will not sit in on his kid's job interviews. [28:40] Lawanda says it starts before job interviews. At some point, you hand over the agency and say, you handle that on your own and then come back and tell me how it worked out. If you need me to come, I will, but you do it first, and let's see how it works out. [29:27] In restaurants, Justin makes sure that his children deal with the server. They hear and speak, and they know what they want. He doesn't speak for them. [29:43] Lawanda says that when you speak for your children forever, you never hand them their agency. You teach them that their voice is not valuable, that their voice doesn't matter, and that they don't have to think or speak up for themselves. That's not healthy evolution. [30:40] Lawanda says Spencer Educational Foundation is amazing. They do more than write checks. They embrace experiences for students. They give them opportunities to engage in industry exposure. They are great at holding folks accountable for how they spend the money. [31:08] Spencer Educational Foundation makes sure their dollars have wings, that evolution and growth are happening, and whatever the intention is for the money, that it is happening within the organizations and institutions they support. [31:26] Lawanda says this creates accountability and an environment of respect, generation after generation. Lawanda is happy to be part of the Spencer family. She also encourages others to be part of the Spencer family. [31:51] Lawanda says Spencer Educational Foundation is a place that operates with amazing integrity; she knows it will be around for a long time, just based on how they do business; not just what they do, but also how they do it. [32:07] Lawanda says, Spencer Educational Foundation is a beautiful investment of not just dollars, but also understanding, and a beautiful culture of accountability. [32:24] Lawanda is in Atlanta, Georgia. Justin mentions that RIMS has a very active chapter in Atlanta. Justin asks Lawanda what she would hope every RIMS chapter listening today would do to better support students and strengthen the next generation of risk professionals,  [32:48] Lawanda says, it's simple, but it's a big impact: Give the mic to the students. Lawanda has been in RIMS since she was in college. One thing the Atlanta chapter did was to have a session where students would do a case study on a topic and present it to the professionals. [33:12] Lawanda says every year, students had an opportunity to present their case study. When Lawanda was in school, they presented on TRIA because it was new. The professionals wanted to know more about it, so the students worked with professors to understand it and prepare it. [34:01] Lawanda says, We were able to present that to them and add value to their experiences, and also add a tremendous amount of confidence that encouraged the students to know they were valuable to the professionals, and the professionals were valuable to the students. [34:14] Lawanda says we have to be open to allowing ourselves to learn from the students and value their voice. When we value their voice, it calls them to understand the importance of their voice and having agency over their voice. That's one thing chapters can do to help students. [34:54] Justin is glad Lawanda brought up the Terrorism Risk Insurance Act (TRIA), because next week's guest is former RIMS President Janice Ochenkowski, who was instrumental in helping Congress understand the importance of TRIA in its earliest stages. [35:08] Next week we are going to commemorate the 25th anniversary of the September 11th  terrorist attacks, here on RIMScast with her. [35:22] Lawanda says in 25 years, she went from being mentored to being a mentor; Impact does not come in a one-size-fits-all package. You can have impact in a five-minute conversation and give them the opportunity to learn from your missteps or your mistakes in the industry. [35:50] You can have a longer relationship as a mentor, where you do check-ins and touchpoints, and kind of coach and cultivate, and help someone to understand what their possibilities are in different segments of their career. [36:08] Lawanda says she has understood that just because things are packaged a certain way doesn't mean that's the only packaging it can exist in. Micromentoring is valuable because not everyone has the capacity to take on a mentor for a year or six months. [36:34] Lawanda says if you encounter somebody, and spend three to five minutes with them, and give them the benefit of a lesson that you've learned, it can be a seed that will blossom beautifully along the way. Understand that impact exists in a variety of packages. [36:56] Justin says, It has been such a delight to see you! I hope to see you again at RISKWORLD 2027 in New Orleans. Lawanda says she loves New Orleans and looks forward to being in that space for some good, productive meetings, and some really good food. [37:24] Lawanda, we appreciate all you do for our next generation of risk professionals. Your affiliation with Spencer is always valued. I look forward to seeing you in April! [37:50] Special thanks again to Lawanda Hall for joining us here on RIMScast! A link to her prior RIMScast appearance is in this episode's show notes. She is one of our esteemed Risk Managers on Campus through the Spencer Educational Foundation's program. [38:05] The deadline for the Spencer Educational Foundation's Risk Manager on Campus Grant has passed, but I've put up a link so you can plan for 2027. [38:13] Plug Time! 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. [38:31] 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. [38:47] 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. [39:01] 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. [39:13] Practice good risk management, stay safe, and thank you again for your continued support!   Links: "RIMS Student Series: Classroom to Career Part 1" | Sept 1 | Complimentary for all "RIMS Student Series: Classroom to Career Part 2" | Sept 9 | Complimentary for all Spencer Educational Foundation's 2026 Funding Their Future Gala | Sept. 17, 2026 ChicagoLand Risk Forum | Sept. 24, 2026 RIMS Certification Week: Sept. 21‒24 | Complimentary For All RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today. RIMS Canada Conference — Oct. 18‒21, 2026 | Quebec City | www.rimscanadaconference.ca | Sponsorship Opportunities Available RIMS ERM Conference 2026 | November 19‒20 in Columbus, Ohio | Registration Now Open! | www.rims.org/ERM2026 | RISKWORLD 2027 Registration | RIMS members can lock in 2026 rates now through Sept. 4 RIMScast Canada — Episodes Now Live — Watch the new video with Sophie Grégoire Trudeau. The Strategic and Enterprise Risk Center RIMS, the Foundation for Risk Management Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! RIMS Diversity Equity Inclusion Council RIMS-CRMP Stories RISK PAC | RIMS Advocacy RIMScast on YouTube! RIMS Risk Management Magazine | Contribute | Q2 2026 Issue Now Available Sponsor RIMScast — Sales@RIMS.org Lawanda "Elle Michell" Hall — Intelligent Intentions Upcoming RIMS-CRMP Virtual Workshops: Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops   Upcoming RIMS Webinars: RIMS.org/Webinars "Beyond the Loss Count: What Property Claims Reveal About Frequency, Severity and Resilience" | Sponsored by AXA XL | Sept. 17, 2026 RIMS Certification Week: Sept. 22-24 | Complimentary For All "The Future of Captives: What Risk Managers Should Be Thinking About Now" | Sponsored by Brown & Brown | Oct. 1, 2026 "Beyond the Horizon: Turning External Risk Into Decision-Ready Insight" | Sponsored by Verisk Maplecroft | Oct. 15, 2026 "Signal Over Noise: Smarter Risk Analytics" | Sponsored by Riskonnect | Nov. 5, 2026   Related RIMScast Episodes: "Opening Windows of Tolerance with Sophie Grégoire Trudeau" "Choosing the Challenge with Johnell Holly" "A Menu of Risk Options with Elle Michell Hall" (2023)   Sponsored RIMScast Episodes: "48 Hours From a Storm: What to Do Before a Hurricane Strikes" | Sponsored by Global Risk Consultants, a TÜV SÜD Company (New!) 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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 Manny Padilla!   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: Lawanda "Elle Michell" Hall, CEO, Intelligent Intentions Risk Manager on Campus   Production and engineering provided by Podfly.

We cannot give enough praise to Andy Lindus and his team for this pergola - he joins Adam and Jordana LIVE on the WCCO Radio stage to talk about the new addition, tariff effects on building materials, petroleum with his team and others - that and more with Andy Lindus of Lindus Construction!

Kevin Hawkins is a bowyer based in North Carolina and moderator and owner of the Primitive Archer Forum. He recently took over the Forum from the founders to preserve the community that has given so much to him as a bowyer and plans to maintain and update it so it can continue to be a valuable resource to bowyers.Please enjoy this episode of Project Quiver on Salish Wolf with Kevin Hawkins.          Episode Links: https://www.facebook.com/primitivearchermagazinehttps://www.primitivearcher.com/Project Quiver at Anchor Point ExpeditionsSummaryIn this episode, Kevin shares his journey from carving his first bow out of a sapling in Oklahoma to becoming a renowned bowyer specializing in Osage. We explore his techniques, flight shooting records, and the passion that keeps him crafting bows in his workshop. In this episode, Kevin shares his innovative approach to bow making, including how he minimizes set and maximizes performance through scientific principles and practical techniques. Todd and Kevin also discuss the importance of community, preservation of craft, and future projects like the Primitive Archer forum and a groundbreaking book on bowyers worldwide.Show Notes:Kevin's background and journey into bow makingTechniques for carving and shaping Osage orange bowsHis experience with flight shooting recordsThe importance of craftsmanship and materials in bow makingThe role of tradition and innovation in archery Kevin's method for achieving perfect tiller and no-set bowsThe role of surface area and density in bow performanceUse of a custom bow set calculator and appCommunity efforts to preserve primitive archery craftKevin's travel and mentorship experiences with top bowyersFuture projects including the Primitive Archer forum and magazineChapters:00:00 Introduction and Kevin's Workshop Tour01:50 Kevin's Background and How He Started Making Bows05:02 Carving the First Bow from a Sapling07:54 His Experience with Flight Shooting Records12:02 Materials and Techniques for Bow Making16:02 Using Osage Orange and Other Woods20:06 Hunting and Archery Practice23:59 The Journey of Harvesting and Preparing Osage Logs29:59 Tools and Power Tools in Bow Making35:03 The Meditative and Therapeutic Aspects of Crafting Bows39:59 Community and Competitions in Archery44:54 Future Projects and Goals in Bow Making

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald, interviewed Audreanna Ayala.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald, interviewed Audreanna Ayala.

Listen and subscribe to Money Making Conversations on iHeartRadio, Apple Podcasts, Spotify, www.moneymakingconversations.com/subscribe/ or wherever you listen to podcasts. New Money Making Conversations episodes drop daily. I want to alert you, so you don’t miss out on expert analysis and insider perspectives from my guests who provide tips that can help you uplift the community, improve your financial planning, motivation, or advice on how to be a successful entrepreneur. Keep winning! Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald, interviewed Audreanna Ayala.

Join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Downtown Josh Brown⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Michael Batnick⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for another episode of What Are Your Thoughts and see what they have to say about: whether we're approaching peak AI spending, what Nvidia's earnings could tell us about the next phase of the AI trade, and why the biggest opportunity may be companies using AI to surprise investors with better-than-expected growth. Plus, Airbnb and Delta as emerging AI beneficiaries, a bullish setup in materials, ETF Issuer of the Year, LeBron James' massive $300 million loan, Netflix vs. Spotify, and more. This episode is sponsored by F/m Investments and SGVA, the F/m Accumulator Ultrashort Treasury ETF. To learn more about SGVA, visit ⁠Fminvest.com/SGVA⁠ Please take our 2026 audience survey ⁠HERE⁠. Sign up for ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Compound Newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and never miss out! Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://instagram.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://twitter.com/thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ LinkedIn: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/company/the-compound-media/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ TikTok: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@thecompoundnews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Investing involves the risk of loss. This podcast is for informational purposes only and should not be or regarded as personalized investment advice or relied upon for investment decisions. Michael Batnick and Josh Brown are employees of Ritholtz Wealth Management and may maintain positions in the securities discussed in this video. All opinions expressed by them are solely their own opinion and do not reflect the opinion of Ritholtz Wealth Management. The Compound Media, Incorporated, an affiliate of ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Ritholtz Wealth Management⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, receives payment from various entities for advertisements in affiliated podcasts, blogs and emails. Inclusion of such advertisements does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Content Creator or by Ritholtz Wealth Management or any of its employees. For additional advertisement disclaimers see here ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/advertising-disclaimers⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Investments in securities involve the risk of loss. Any mention of a particular security and related performance data is not a recommendation to buy or sell that security. The information provided on this website (including any information that may be accessed through this website) is not directed at any investor or category of investors and is provided solely as general information. Obviously nothing on this channel should be considered as personalized financial advice or a solicitation to buy or sell any securities. See our disclosures here: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://ritholtzwealth.com/podcast-youtube-disclosures/⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Fabian Alefeld interviews Brandon Brodie, co-founder and CEO of Annihilator Broadheads, about how an Idaho elk hunt and a lost bull sparked a new broadhead concept sketched by Brandon's future partner Micah. They describe turning the 2D sketch into plastic CAD prototypes via Boise State, a makeshift “wind tunnel” test using Instant Pot steam, and early performance goals of flight, penetration, durability, and lethality. Field and improvised tests (steel drum, long-range accuracy, animal kills) plus third-party fluid dynamics modeling suggested Annihilator's design created unusually large high-pressure and low-tension effects.  After major supply failures with investment casting and metal injection molding - causing shortages, high scrap rates, and lost dealers - Brodie brought manufacturing in-house, adopting metal laser powder bed fusion, improving repeatability and enabling new geometries like the Katana. He outlines ongoing innovation, potential adjacent products, and plans to leverage Annihilator's additive capabilities for partnerships and contract manufacturing. 02:26 Elk Camp Origin 06:43 Sketch to Prototype 11:36 Instant Pot Wind Test 14:44 Performance Pillars 18:41 Steel Drum Proof 22:45 Real Hunt Validation 26:45 Fluid Dynamics Breakthrough 30:41 Engineering Led Marketing 33:32 Manufacturing Growing Pains 34:27 Industry Award Surprise 35:53 COVID Demand Crunch 36:54 Casting Supplier Failures 39:40 MIM Tooling Disaster 42:30 Additive Breakthrough 46:35 Learning Metal Printing 49:55 Repeatability and Materials 52:56 Katana Broadhead Innovation 57:49 Scaling R&D Team 

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Cari Stinebower about sanctions as an enterprise risk management issue. They discuss the holistic view of the maritime space and enterprise risk. They cover aspects of the Terrorism Risk Insurance Act (TRIA) and how insurance companies, brokers, and reinsurers work with the U.S. Government to mitigate terrorism risk.   Listen for advice on keeping your organization compliant with respect to sanctions and terrorism risk.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. We will discuss geopolitical risk, sanctions, and TRIA with Cari Stinebower, a partner in the Washington, D.C. office of Steptoe. But first… [:42] RIMS-CRMP Virtual Workshops. RIMS will partner with PARIMA for the RIMS-CRMP on September 1st and 2nd for a two-day virtual workshop. Registration links are in this episode's show notes. [:55] Also on the webinars page, you will see a two-part series hosted by the RIMS Membership Department. The "Classroom to Career" webinar series highlights how RIMS equips students with the knowledge, skills, and connections needed to thrive in risk management careers. [1:10] Participants will gain insights into industry trends, career pathways, and practical tools that help them confidently step into the evolving world of risk management after graduation. These sessions will be hosted on September 1st and 9th. [1:24] These sessions are member exclusives and are complimentary for RIMS members, of course. So, if you are interested in becoming a member, this would be the time. Visit RIMS.org/membership. [1:34] Webinars: On September 17th, AXA XL returns to present the session, "Beyond the Loss Count: What Property Claims Reveal About Frequency, Severity, and Resilience." [1:46] On October 1st, Brown and Brown will make their RIMS Webinar debut with "The Future of Captives: What Risk Managers Should Think About Now." Visit RIMS.org/Webinars to register. [1:59] RIMS is back on YouTube. Our handle is @RIMSOfficialChannel. We've got plenty of videos there, including RIMScast, RIMScast Canada video podcasts, and other informative and entertaining content from RIMS. Subscribe to the channel today! [2:17] On with the Show! Our guest today is Cari Stinebower. She is a partner at Steptoe in Washington, D.C., and a former U.S. Department of the Treasury and Office of Foreign Assets Control (OFAC) Attorney-Adviser. [2:32] Cari focuses her practice on regulatory risk where U.S. National Security and Foreign Policy objectives intersect with cross-border business. [2:39] We will talk about fraud, money laundering detection, and cybersecurity, and how this can be connected to the Terrorism Risk Insurance Act (TRIA). [2:50] We'll also talk about how international sanctions can impact any organization, and why risk managers should be strategizing now, if they haven't already. There is so much to discuss!  Let's get to it! [3:04] Interview! Cari Stinebower, welcome to RIMScast! [3:24] Cari says she was at OFAC at an interesting time. She came in after a Hill job doing the campaign finance cleanup for the Democrats for three years, from 1996 to 1999. [3:38] Cari says that OFAC sank their teeth into anti-money laundering and the detection of fraud and corruption. When Cari joined Treasury as an analyst within OFAC, they slotted her into a position focused on counter-narcotics work, and also on the Milošević tribunal. [4:03] Cari says there was lots of work to do and not enough staff to do it. Everyone ot OFAC had then, and still has, multiple portfolios. Cari was splitting between Milošević and counter-narcotics work. [4:20] Cari says she spent a lot of time in Colombia working with banks and the Colombian government on anti-money laundering, focused on the cartels. The drug dealers were very sophisticated and were spectacular at establishing front companies and money laundering. [4:54] Cari says it was a very good lesson for what was to come through the counter-terrorism work. The Colombian narcotics traffickers and their front companies were light-years ahead on money laundering techniques and sanctions evasion. [5:44] Cari says in Colombia, at that time, the narcotics traffickers were excellent businessmen. It was such a lucrative career that they had to find ways to wash the cash. They were buying agricultural businesses, tourism businesses, pharmacies; anything they could to launder cash. [6:18] Cari says they could have been fabulous businessmen if they had gone legitimate. She says some of them tried. [6:32] Cari says 9/11 happened, so the world changed overnight. Cari switched from a counter-narcotics focus to a counter-terrorism focus. [6:44] They started chasing the money. Who was the source of the funds? Where was it going? Which financial institutions were involved? Were they doing it knowingly? Were they being used by governments? Were they being used by "charities"? How is it flowing? [7:03] Cari says that became her focus at OFAC for the next five years after 0/11, before she hopped into the private sector. [7:39] Justin asks about sanctions against nations. Cari says the old way Treasury used to do sanctions was by jurisdiction. A jurisdiction would be identified as prohibited, off-limits for U.S persons, meaning individuals and entities. [8:01] Any funds, transactions, or contracts that came into the possession or control of the U.S. person or entity would, by operation of law, be blocked or frozen; the title remained with the sanctioned party, but the U.S. person or entity had to freeze it and report it to the Treasury. [6:26] The original sanctions on Iran were jurisdictional, based on the government, based on persons located within the jurisdiction of Iran. The Department of the Treasury was aggressive in pursuing enforcement actions. [8:44] Financial institutions were sanctioned with multi-million-dollar penalties. The world started to voluntarily comply. It was U.S. driven initially, but European financial institutions and some of the Emirati financial institutions got on board and complied with the sanctions. [9:20] The Departments of the Treasury and Justice used a clause within the underlying statute for the Iran sanctions that allowed penalties to be imposed on non-U.S. financial institutions that were causing a U.S. bank to process transactions on behalf of the sanctioned party. [9:43] That was the line of the European banking cases that came out. Cari says banks were penalized from 2005 through 2015, which pretty much swept in everyone. [9:56] That was the modern buildout of the compliance program where the U.S. established it was applying its sanctions requirements not only to U.S. persons but to non-US. persons where they could also identify a nexus. [10:12] The favorite nexus was the use of U.S. dollars through the clearing system. Sanctions exploded. It was identifying ways to reach non-U.S. parties through the use of dollars, servers located in the U.S., call centers, approvals, or whatever they could, as a hook to get U.S. nexus. [10:51] Justin asks about sanctions against Russia, Iran, and North Korea. Cari says North Korea has sort of fallen off. There's a big focus on North Korea's use of forced labor. They've also been active in cyberspace and ransomware. [11:20] Cari says we don't see North Korea as often as we see Iran, Russia, and, to a certain degree, Cuba. It depends on the administration. For a while, Venezuela was really hot, from an anti-corruption, anti-money-laundering perspective, rather than a sanctioned invasion. [11:46] Justin speaks of the latest AML bill, passed in 2023. Cari says the big overhaul was under the Patriot Act, which updated and modernized the Bank Secrecy Act. It also updated and modernized the International Emergency Economic Powers Act (IEEPA), OPEC's big statute. [12:09] Cari says there have been updates since. When you hear M&A partners or private equity guys talking, they often refer back to the Patriot Act. The Patriot Act becomes this overarching term for updates to the AML laws and regulations. [12:48] Cari says there has been a growing evolution of the anti-corruption, anti-bribery statutes, the anti-money-laundering statutes, the sanctions world, and the adjacents like the whistleblower protections and the Terrorism Risk Insurance Act. [13:09] Cari says all of these components are part of this growing collective focus on upgrading U.S. Government abilities to protect against threats to national security and the economy. [13:32] Justin says risk managers are accustomed to thinking about operational and financial risks, but sanctions can feel like a legal issue. Part of the problem is you may have a legal officer who is not a risk manager or a risk manager who is not a legal officer. [13:48] Justin asks, When should sanctions become an Enterprise Risk Management issue? Cari says, looking at OFAC's enforcement actions, sanctions should always be an Enterprise Risk Management focus. [14:04] It's very easy for the bad guys to take advantage of a business if it's siloed. The easiest way to detect a problem, whether it's financial sanctions evasion or exposure to corruption, is if the enterprise is looking holistically at its business, its counterparties, and its transactions. [14:26] Cari says, when we're working with clients on building a global compliance policy or procedure, we keep telling them that it's better to have a holistic view of the business, customers, and geography. [14:43] Not only geographic risk, customer risk, or service risk, but also across the regulatory schemes. If you have sanctions exposure somewhere in your enterprise, you're also likely going to have an anti-money-laundering issue, a corruption issue, and/or an export controls issue.  [15:06] Cari says when you're building out compliance, you want to have a 1,000-foot view of the business units, your customers, your geographies, and the regulatory components, so that you can take advantage of what you may be seeing in one area. It's silos that cause the problems. [15:26] A Quick Break! Many fantastic RIMS events are coming up in 2026. The 11th Annual Chicagoland Risk Forum will return to the Old Post Office on Thursday, September 24th, 2026. Visit ChicagolandRiskForum.org for more information. [15:42] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. The agenda is live, and registration is open. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [15:59] Save the dates: October 18th through the 21st. In Quebec City, we will be hosting the 50th Annual RIMS Canada Conference. Booth sales are open, and sponsorship opportunities are still available. Visit RIMSCanadaConference.ca for more information. [16:16] Also, remember to check out RIMS.org/Canada for our spinoff show, RIMScast Canada, hosted by National Conference Committee Chair, Aaron Lukoni. [16:27] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. Registration is open. Visit RIMS.org/ERM2026. [16:40] We're already looking to RISKWORLD 2027, which will be held over four days in New Orleans, Louisiana, from April 18th through the 21st! [16:50] RIMS members can exclusively register by September 4th for the best rate. And get first access to the hotel block. Hotel reservations open on October 28th, ahead of public registration. Sitting this out is the real risk! The link to registration is in this episode's show notes. [17:10] Let's Return to Our Interview with Cari Stinebower! [17:26] Cari says an example of sanctions risk is Iranian oil or Venezuelan oil. Typically, the pattern is you have a Greek shipment manager under charter to deliver oil and gas to China.  The Bill of Lading says the cargo is of Omani origin or Malaysian blend. [18:08] It looks clean. They have all the sanctions exclusions language in the Charter Agreement; the insurers, the reinsurers, and the P&I quotes have all established that the vessel cannot carry Iranian cargo. The documents say it's Omani or Malaysian, and off you go. [18:28] Then you get a call from the U.S. State Department or the Treasury Department saying you've got Iranian cargo on board. The U.S. Government typically knows that because they're using satellite tracking software. They know that the cargo was loaded by ship-to-ship transfer. [18:58] If you go back through the satellite imagery, you can see that it's happened probably two or three times, and when the vessel called on the Omani port that was supposed to be the source of the cargo, it came in at the same draft as it left. Calling on the port was clearly a ruse. [19:34] When you get to the financial payments, that's where you have the money laundering side, and you can see that the Omani seller of the cargo is just a front company with a brand new website, secretly run by the Revolutionary Guard. [19:56] Cari says that when we start talking about the compliance policies and procedures, it's not good enough just to rely on the Bill of Lading. The expectation is that you're going to be doing something a little deeper. [20:11] In 2019, the Department of Justice started to pursue a lot of ship owners and ship managers for carrying Iranian cargo. Sometimes it was Iranian cargo going to Venezuela or going to China. [20:32] In a decent batch of those cases, the ship owners or ship managers would be contacted by the U.S. Government and agree that the Government was right and ask what they could do not to get sanctioned. [20:51] Cari says there were a series of cases where the ships were brought to the U.S. and the cargo was sold by the U.S. Government, with the proceeds going to the Victims of Terrorism Fund, for parties who registered with the Special Master and were entitled to a pro rata share. [21:20] That was the U.S. Government's solution to what to do with all this cargo that they can seize, and they had been seizing, under the Foreign Terrorist Organization Statute. We're now seeing the same focus on the narcotics trafficking cartels in Mexico, Brazil, and Venezuela. [21:46] Cari says, You see the evolution of the U.S. Government's thinking over the years, how the Iranian oil cases are now relevant to countering narcotics trafficking caused by the cartels in South America. [22:00] Justin asks about supply chain risk and sanctions-related risks companies may overlook when they evaluate suppliers. Cari says the supply chain, particularly when you're dealing with raw materials or manufacturers coming out of China, has been an issue for a long time. [22:29] Cari says it's not difficult for a U.S. importer who's bringing in parts and components for widgets to know that their manufacturer or warehouse in China is who they say they are. That's easy enough. [22:48] Where we see issues is when the Chinese manufacturer subcontracts to second or third parties, who ostensibly are also compliant, but it becomes difficult in a more opaque jurisdiction like China to do the tracing down to the actual mine or source of the raw materials. [23:14] That leads up to the Uyghur Forced Labor Prevention Act (UFLPA), which has forced companies to look at supply chains where there's a Chinese component, for several years. [23:31] Where are the raw materials coming from? Do you know where all of the raw materials are coming from, or do you just know where some are? Under the UFLPA, companies were particularly focused on identifying those risks in China. [23:50] Cari says, under the first Trump Administration, and under the Biden Administration, you started to see a lot of companies moving away from sole-sourcing goods from China, specifically because of that risk. [24:02] The National Drug Control Strategy Report that came out in May 2026 is digging deep into supply chain issues. [24:13] It says two things: first, that the U.S. Government needs to act as a whole. The Departments of Justice, Treasury, and Homeland Security need to work together on tackling supply chain issues and addressing where the gaps are. [24:35] Supply chains are being exploited, not only by narcotics traffickers, but across the board. [24:41] The report is also telling businesses that it's not enough to have an OFAC sanctions compliance program where you screen your counterparties against the SDN list. [24:54] There's an expectation for businesses to go deeper, using analytics and AI, looking at their records, and knowing who the suppliers of their suppliers are. [25:17] The expectation is for businesses to step up their game, but also for the U.S. Government to partner with businesses to figure out how to do that. [25:35] Cari says we've also been telling other jurisdictions, like those in the Caribbean and South America, that this is a really good opportunity. [26:44] The first Trump Administration, the Biden Administration, and the second Trump Administration have said to stop sole-sourcing in China. Let's near-shore and friend-shore, and let's bring business and infrastructure back to the Western Hemisphere. [26:00] Cari says we're starting to see jurisdictions offer tax incentives for setting up manufacturing spaces, or finding ways to invest in the United States to bring back manufacturing. [26:14] Cari says the big issue of late has been how to bring shipbuilding back to the United States. Is there a way to do it in Latin America without relying on China as the major shipyard? [26:29] Those issues are interesting because they trigger a series of other questions: cost of labor, sourcing raw materials, and more. It's a longer-term problem. If you're building out your supply chain nose-to-tail, it's going to require a more transparent jurisdiction than China. [26:52] One more Quick Break! RIMS, The Foundation for Risk ManagementTM, is dedicated to shaping the future of the profession. By making a contribution, you are strengthening the global risk management community and investing in the future of the industry. [27:11] The Foundation also supports the Spencer Educational Foundation but has a different mission. The Foundation focuses on providing opportunities for those professionals who have already decided to enter risk management and are just getting started. [27:26] You can learn more about the Foundation by visiting www.RIMS.org/FRM.  While you're there, be sure to check out information about the Susan Meltzer Scholarship Fund, which was established to honor Ms. Meltzer, who was RIMS President in 1999 and 2000. [27:44] Susan Meltzer was a cherished RIMS President and contributed so much to RIMS and the greater risk community. Learn more at RIMS.org/FRM. [27:53] Let's return to our interview with Cari Stinebower! [28:14] Justin asks if other countries sanction the United States or U.S. companies. Cari says it has become a new trend. The jurisdictions doing it are China, with the National Security Law; Russia, identifying Hostile Jurisdictions that have imposed sanctions against Russia. [29:12] Cari says it's a quid pro quo. Ukraine has a sanctions program against entities that do business with Russia. Canada and Europe are well-known for their Blocking Statutes. [29:48] They have Antidote Sanctions that prohibit their nationals from complying with the U.S.'s Cuba Sanctions. Those jurisdictions see the U.S. sanctions on Cuba as territorial. There is a quid pro quo. [30:08] Sometimes it triggers conflict-of-law issues, and companies have to decide how and when they're going to comply with which set of sanctions. [30:46] Cari says, if you don't have a holistic view of which jurisdictions you're operating in, and where your U.S. nationals are located, there's no way to build out a robust, comprehensive sanctions program. [31:01] If you have a U.S. person located in or in a business position in Canada, you wouldn't want them dealing with the Canadian company's Cuba business. You need to know where they are located in advance so you can protect the U.S. person. [31:27] Justin notes that RIMS is a global society. Canada is the second-largest RIMS membership base. [31:40] Justin says there's so much due diligence to be done. You have to vet the company you're going to be doing business with and do your second- and third-tier supply chain risk management deep dive to make sure that everything is above board. [32:02] Cari says there are many examples where the Canadian Government has aggressively stepped up its sanctions components. The Canadian sanctions on Russian targets may be more aggressive than the U.S. or EU sanctions on Russia. [32:19] If you have a financial institution or insurance company based in Canada, but operating in the U.S. and the EU, because they're complying with the Canadian sanctions, they're blocking transactions that a U.S. party wouldn't have to block. [32:44] You want to know what the entire web of sanctions regulations is before you figure out who your business parties are and how you're going to navigate something. [32:55] Justin surmises that a small company without a dedicated risk professional would need to reach out to a company like Steptoe. Cari agrees; a lot of people will use a law firm and a consultant to build out their compliance programs or to do the risk analysis. [33:13] Cari says, then they will either find someone in-house or outsource it to a consultant or a specialist to keep costs down. [33:23]  Cari says, we also see this pop up in Mergers & Acquisitions. One of the things that is often difficult is that they will see the compliance function either as redundant or as a cost center, and not as a profit center. [33:47] The guidance is always: Don't save costs by getting rid of your Compliance function, because it will cost you money in the long run. But often, that is what you will see. [34:00] Justin brings up the Terrorism Risk Insurance Act (TRIA), a legislative priority for RIMS. RIMS sends an External Affairs Team to Capitol Hill every year to talk about TRIA with their Representatives in Congress. [34:19] Justin says RIMS helped lead the charge, over 20 years ago, to get TRIA passed into law. [34:30] The nature of terrorism risk has evolved since TRIA's enactment. Justin asks how risk managers should be thinking about terrorism exposure today, compared to when the program was established. [34:44] Cari says terrorism, like the narcotics traffickers, evolves. It's cash-intensive. There's more you can do now through technology, AI, cybersecurity, and cryptocurrency. [35:01] You can sit completely offshore and wreak havoc on the electrical grid or a utilities provider, or a financial institution, through cyberattacks or cybercrimes. It can be crippling if terrorists go after the grid. [35:28] Cari says we have seen an overlap between what could be a terrorist attack and what is more likely a ransomware grab, when they're going after smaller utilities located somewhere in the Midwest. That seems to be a trend. [35:45] They're not always sophisticated. You don't always know who the counterparties are. Going back to the Drug Control Strategy report, the Government is saying that there has to be a holistic approach to ransomware and cyberattacks. [36:03] A couple of years ago, the FBI and Homeland Security set up a task force to work with the utilities or other U.S. businesses that see themselves faced with a ransomware attack that is either just for the money or is something more nefarious. [36:24] Cari says, if the question is, is it terrorism or is it something else, but the way you would attack it would be the same if you're the utilities manager; it doesn't matter if it's terrorism or cybercrime. [36:48] You've got to work with law enforcement to protect your infrastructure, to figure out whether you're going to pay the ransom or not, so that you can protect your customers' data. [37:02] It's up to the Government to figure out who the illicit party was. Is it a hacker group sitting in Russia? Is it a terrorist group? Why were they doing it, and how do you stop it from happening in the future? [37:18] If you're the Business Manager or the Compliance Officer, you need to build in your risks, your risk mitigation strategies, redundancies, and backup servers that are not connected. The problem for you isn't: Is this a hacker or a terrorist doing this to me? [37:53] Cari says there are many insurance working groups. We've worked with clients, some of these groups, and the U.S. Government to come up with language that makes sense. We see it in the context of Iran or Russia, or with respect to language for War Risk in the Strait of Hormuz. [38:32] Cari says, The partnership between the insurers, reinsurers, brokers, and Government is pretty deep. [38:41] These working groups have been around for a long time because insurers, brokers, and reinsurers need buy-in from the Government to get assurances that the language they're putting out there is enough to get them out of trouble if they're acting in good faith. [39:00] Generally, everyone is, but you want that nod from the Government that what you've done is sufficient from the Government's perspective. [39:37] Cari's advice to risk professionals in August 2026: The most important thing is that the risk professionals and the business units know and trust each other. [39:47] Cari continues: A risk professional isn't going to be able to build out a compliance program that works unless they know what the business units are up to and what the business priorities are, and they have the trust of the business professionals. [40:05] Some critics warn that you don't want the compliance person to become a captive of the business units, driven by profit rather than compliance. Cari says the business compliance person needs the business unit and the compliance unit to work hand in glove. She explains it. [40:46] Cari says we've seen this a lot with all of these businesses jumping into the Venezuela market. There's a lot of business upside but also a lot of risk. It may not be that there's a sanctions risk, but the longer-term risks are the money-laundering and corruption risks. [41:26] Cari asks what happens ten years from now? If you're a compliance officer, you need to understand the upside to the business, which is lots of profit, but when you're drafting contracts and working with the business unit, how are you mitigating the risk that's five or 10 years out? [41:44] Cari says the only way you do that is if the compliance and business units have a certain amount of trust and respect for each other. [41:57] Cari says the Compliance Officer is not always the Risk Manager. Some businesses will have it siloed; some will have someone embedded. In some cases, there's no compliance person. They throw it onto a legal officer, and the legal officer can be spread fairly thin. [42:13] Cari says you can work through trade associations to understand industry risk. You can hire consultants. You can hire law firms. The benchmarking is incredibly important to understand not only the opportunity but also the appropriate risk. [42:49] Justin says this has been one of the most informative RIMScasts we've had in a while. I'm so glad we got a chance to tackle this topic. Cari, thank you so much for joining us here on RIMScast! [42:45] Special thanks again to Cari Stinebower of Steptoe for joining us here on RIMScast! A link to her LinkedIn profile is in this episode's show notes. [42:58] I have links on this episode's show notes to other RIMS coverage on sanctions, geopolitical tensions, and related supply chain risk. Also visit RMMagazine.com. [43:08] Plug Time! 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. [43:26] 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. [43:42] 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. [43:56] 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. [44:08] Practice good risk management, stay safe, and thank you again for your continued support!   Links: Spencer Educational Foundation's 2026 Funding Their Future Gala | Sept. 17, 2026 ChicagoLand Risk Forum | Sept. 24, 2026 RIMS Certification Week: Sept. 21‒24 | Complimentary For All RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today. RIMS Canada Conference — Oct. 18‒21, 2026 | Quebec City | www.rimscanadaconference.ca | Sponsorship Opportunities Available RIMS ERM Conference 2026 | November 19‒20 in Columbus, Ohio | Registration Now Open! | www.rims.org/ERM2026 | RISKWORLD 2027 Registration | RIMS members can lock in 2026 rates now through Sept. 4 RIMScast Canada — Episodes Now Live — Watch the new video with Sophie Grégoire Trudeau. The Strategic and Enterprise Risk CenterRIMS, the Foundation for Risk Management Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! RIMS Diversity Equity Inclusion Council RIMS-CRMP Stories RISK PAC | RIMS Advocacy RIMScast on YouTube! RIMS Risk Management Magazine | Contribute | Q2 2026 Issue Now Available Sponsor RIMScast — Sales@RIMS.org Cari Stinebower — Biography page Cari Stinebower on LinkedIn Upcoming RIMS-CRMP Virtual Workshops: RIMS-CRMP Exam Prep with PARIMA | Sept 1‒2 Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops   Upcoming RIMS Webinars: RIMS.org/Webinars "Beyond the Loss Count: What Property Claims Reveal About Frequency, Severity, and Resilience" | Sponsored by AXA XL | Sept. 17, 2026 "The Future of Captives: What Risk Managers Should Be Thinking About Now" | Sponsored by Brown & Brown | Oct. 1, 2026 "RIMS Student Series: Classroom to Career Part 1" | Sept 1 "RIMS Student Series: Classroom to Career Part 2" | Sept 9 RIMS Certification Week: Sept. 22‒24 | Complimentary For All   Related RIMScast Episodes: "Mid-Year Risk Roundup 2026 with Morgan O'Rourke and Hilary Tuttle" "Money Laundering Risks with Crystal Trout" (2025)   Sponsored RIMScast Episodes: "48 Hours From a Storm: What to Do Before A Hurricane Strikes" | Sponsored by Global Risk Consultants, a TÜV SÜD Company (New!) 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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 Manny Padilla!   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: Cari Stinebower, Partner, Steptoe   Production and engineering provided by Podfly.

Better AI starts with better data, and for Vulcan Materials CIO Krzysztof Soltan that means simplifying first. In this episode of Technovation, Krzysztof Soltan joins Peter High to discuss how Vulcan Materials is modernizing its technology foundation across more than 400 aggregate operations. He explains why reducing system complexity, strengthening master data governance, and investing in talent are foundational to the company's AI ambitions. The conversation also explores Vulcan's multi-year digital transformation, its approach to buying versus building AI capabilities, and its focus on a small number of high-value AI opportunities. Looking ahead, Soltan shares his perspective on agentic AI, human-agent collaboration, autonomous mobility, and AI at the edge. Listen to learn how a data-first foundation can position an enterprise to scale AI with greater focus and business value. This episode is presented by ElevenLabs — Bringing technology to life. Learn more at elevenlabs.io This episode is also presented by Retool — Build internal software better, with AI. Learn more at retool.com

Are you looking to save time, make money, and start winning with less risk? Then head to https://www.ovtlyr.com.Learn more about OVTLYR: https://youtu.be/TUCbD5KovlcA stock can be up 30% in a day and still be a terrible trade. That's one of the biggest takeaways from this conversation. Instead of chasing beaten-down stocks just because they look “cheap,” the discussion breaks down why falling prices can be a warning sign, how concentration can destroy a portfolio, and why finding the strongest themes may be far more important than simply finding stocks that have fallen the most.There's a part in here that really hits. Just because a stock has gone up in the past doesn't mean it will keep going up. Palantir is a perfect example, with a massive 30% move in a single day after previously falling roughly 50%. The conversation gets into the risk behind moves like that and why loving a company doesn't mean ignoring how much volatility you're actually taking on.The Sector Intelligence Map gets a lot of attention too. Instead of blindly searching for individual stocks, the discussion looks at identifying the sectors and industries that are already showing strength. Materials, technology, and industrials become potential areas to explore, and the data starts showing something really interesting. Stocks with average volume above 2 million shares produced a 3.94% edge in the test compared with 1.66% overall, while the lower-volume group actually showed a negative edge. It's still a limited dataset, but the difference is big enough to make higher liquidity a very interesting variable to test.And there's a bigger lesson about trading discipline running through the entire conversation. Having a setup and actually taking that setup are two different things. The discussion explains why sitting in cash while waiting for your setups is completely different from overtrading, and why skipping valid trades because you're afraid of another loss can ultimately destroy the expectancy of your strategy.The AI theme also adds another fascinating layer. With AI infrastructure, chips, data centers, and energy plays moving together, finding the broader theme can make it easier to identify groups of stocks benefiting from the same underlying trend. The Sector Intelligence Map is built around exactly that idea: find the groups that are moving, then identify the individual opportunities inside them.✅ SMCI, Micron, Palantir, and high-volatility stock analysis✅ Why buying beaten-down stocks can be extremely risky✅ Sector Intelligence Map and finding strong market themes✅ Higher-volume stocks, trading expectancy, and liquidity✅ Trading discipline, valid setups, overtrading, and risk managementIf you've ever looked at a stock that dropped 30%, 40%, or 50% and thought, “This has to bounce”… this one is worth watching. Sometimes a stock is down for a very good reason, and sometimes the better opportunity is finding where the strength is instead of trying to catch the falling knife.Subscribe to OVTLYR for disciplined trading strategies that actually make sense.

Joseph Dahmen is an architect and the founder of the Biogenic Architecture Lab at the University of British Columbia. The lab's lead designer, Isobel McLean, also joins this conversation. She works at the intersection of architecture, microbiology, and biofabrication. And together, Joseph and Isobel are experimenting with mycelium—the vast network of fungal threads that grows through soil, wood, and other organic matter. They're looking at its potential as a building material that can be grown rather than manufactured. For example, when grown through sawdust and other plant fibers, mycelium acts as a natural binder, creating a solid, biodegradable material that can provide insulation, a lot like conventional foam. This work is practical and speculative, and it asks whether the materials of the future might be cultivated, allowed to change over time, and eventually returned to the earth.  Mycelium could be especially useful in northern communities, where the logistics of construction can be complicated and expensive. And in many ways, those communities magnify problems that exist throughout the construction industry in general—rising transportation costs, dependence on long supply chains, material waste, and the carbon emissions associated with producing and moving building materials. So, Joseph, Isobel, and their team of architects and scientists are imagining a different model—one where communities could eventually grow useful materials closer to where they're needed, using locally available resources to create products appropriate to a particular region and climate. Materials that don't have to travel as far to get where they need to go, and that, at the end of their useful lives, can biodegrade rather than become another permanent layer of waste.

Aug 21, 2026 – How strong is the current bull market and which sectors are outperforming? Vincent Randazzo of ViewRight Advisors joins Jim Puplava to reveal why strong market breadth is leading the S&P 500 higher despite rising rates, oil, and...

Aug. 21, 2026- Assemblymember Jen Lunsford, a Rochester-area Democrat, explains her bill that would restrict the use of toxic chemicals in playground surface materials. We also consider why state lawmakers don't take a more holistic approach to regulating these potentially dangerous substances.

At a staff meeting this week, an advisor shared that a client used AI to find a fund with optimal diversification. The problem is that AI trains on the industry's marketing materials and doesn't know how to dig any deeper yet. Listen along as Paul explains how AI parroted the fund's sales pitch and overlooked the fact that it would invest the majority of your money into a handful of companies.    Later in the episode, Paul talks about what happened in India when over half a million people applied for 583 jobs and how this shows just how hard people will work to make life better for themselves and those around them.    Want to cut through the myths about retirement income and learn evidence-based strategies backed by over a century of data? Download our free Retirement Income Guide now at paulwinkler.com/relax and take the stress out of planning your retirement.   This material is for general educational purposes only and is not personalized investment, financial, tax, or legal advice. Past performance does not guarantee future results. Nothing here is an offer, solicitation, or recommendation for any security or strategy. All financial decisions involve risk, and you should consult qualified professionals before acting on this information. Advisory services offered through Paul Winkler, Inc., an SEC-registered investment adviser. 

Joseph Dahmen is an architect and the founder of the Biogenic Architecture Lab at the University of British Columbia. The lab's lead designer, Isobel McLean, also joins this conversation. She works at the intersection of architecture, microbiology, and biofabrication. And together, Joseph and Isobel are experimenting with mycelium—the vast network of fungal threads that grows through soil, wood, and other organic matter. They're looking at its potential as a building material that can be grown rather than manufactured. For example, when grown through sawdust and other plant fibers, mycelium acts as a natural binder, creating a solid, biodegradable material that can provide insulation, a lot like conventional foam. This work is practical and speculative, and it asks whether the materials of the future might be cultivated, allowed to change over time, and eventually returned to the earth.  Mycelium could be especially useful in northern communities, where the logistics of construction can be complicated and expensive. And in many ways, those communities magnify problems that exist throughout the construction industry in general—rising transportation costs, dependence on long supply chains, material waste, and the carbon emissions associated with producing and moving building materials. So, Joseph, Isobel, and their team of architects and scientists are imagining a different model—one where communities could eventually grow useful materials closer to where they're needed, using locally available resources to create products appropriate to a particular region and climate. Materials that don't have to travel as far to get where they need to go, and that, at the end of their useful lives, can biodegrade rather than become another permanent layer of waste.

Andrea Stricker of the Foundation for Defense of Democracies examines Middle Eastern nuclear proliferation and the mystery surrounding legacy materials. Stricker details a positive, US-brokered development in which the post-AssadSyrian government agreed to cooperate and turn over legacy yellowcake uranium stored at a covert facility known as Site 99. This material was intended for a North Korean-built plutonium-producing reactor at Al-Kibar, which was destroyed by Israel in 2007. Despite long-standing Syrian secrecy and the site changing hands among various factions, environmental sampling by the International Atomic Energy Agency (IAEA) confirmed undeclared, man-made uranium particles at multiple locations. Stricker also raises concerns regarding Turkey's nuclear ambitions, highlighting its civilian programs' potential military purposes and Turkey's recent attempt to secure raw uranium contracts with the military regime in Niger. (9)

The big things you need to know:First, we took a look back at equity market and sector performance in 2H18 and 2H22, around the last two midterm elections. Conditions were choppy with two distinct drawdowns interrupted by a meaningful rally. Consumer Staples and Health Care outperformed during the drawdowns while Financials, Industrials, and Materials outperformed in the rebounds.Second, other things that jump out in our updates this week include shifts we're seeing in our factor work, descriptions of a cautious consumer in our earnings call transcript analysis, the tendency of the stock market to perform well when IPO activity is ramping up, and what we see as reasonable valuations across the major indices in the US.

From a floral prompt, a daring caper blossoms. This week your Nice Hosts answer the question: How many flowers to you have to eat to pull off a heist?Clank!: A Deck-Building Adventure - Board Game GeekClue: The Great Museum Caper - Board Game GeekThe game board for Clue: The Great Museum CaperOur spreadsheet of Flowers, Powers, and Barriers.PromptCreate a game about flowers. The flowers may give you powers (regular or super) or may become animated when they are in full bloom. An example of a regular power is power of attorney or a driver's license and example of a superpower is invisibility.Game typeTabletop gameMaterialsGame boardThief meeplesBarrier cardsFlower tokensFlower combination legendFlower box containersAbility tracker"a one-to-one scale replica of a particularly rare flower completely made of precious metals and gems"SetupLay out the boardPlace the "one-to-one scale replica of a particularly rare flower completely made of precious metals and gems" in the center chamberDistribute flower tokensShuffle flower tokens in a bagAdd flower tokens to flower boxes without looking at them Place the boxes on the marked spaces on the boardDistribute the remaining flower tokens around the flower patches marked on the boardPlace barriersShuffle barrier cardsFor each marked space on the board, draw a barrier card and place it on the spacePlayer setupChoose a thief meepleTake a flower combination legendTake an ability trackerRulesPlayers are thieves after the same jeweled flower in the center of the board  Players must gather different flowers to give them the ability to get through the board/mazeGoal is to get through to the center of the maze-like building firstPlayers navigate to get the different flowers Combinations of flowers give you new abilities (either mundane or super-powered)Players may only have 3 active abilities at a time (if you get a new one, the first one gets pushed out)Could be places or a power that allows you to remove all of your powersPlayers need to get these powers to get through barriers in the game Barriers can be gotten through by various means (2 or 3, minimum 1)On the board there are places where flowers grow (distributed fairly) (tokens of a color/image) Some places have flower boxes, and they'd give you a random flowerMore of the flower boxes in the center of the boardIf someone gets to the center, they win, but the others now want to try and get them caught (so they can now win) Players create new barriers for the winning one to keep them from being able to get out

Original Air Date: 08-23-2025 Episode Number: 473Episode SummaryDan opens with three lessons from the Hansen family cottage vacation -- each one stretched into home improvement territory. Then the back half of the show kicks off a new recurring series on American architectural styles, starting with the Craftsman home. Dan covers what makes a Craftsman a Craftsman, how the style began in Victorian-era England and spread across America through a furniture maker's magazine and a Sears catalog, the architects who took it to its highest form, and how to think about color if you own one.Timestamps[00:00] -- Welcome and Preview[00:33] -- Vacation Lessons Setup[01:50] -- Lesson One: The Space Invader[06:53] -- Lesson Two: Test Before You Commit[08:53] -- Paint, Stain, and Tool Testing Tips[11:41] -- Lesson Three: Communication Matters[14:08] -- Contractor Communication Checklist[17:02] -- Architectural Styles Series Intro[19:13] -- What Makes a Craftsman[20:16] -- Arts and Crafts Origins[24:19] -- American Craftsman Takes Off[27:40] -- Greene and Greene Masterpieces[29:11] -- Why Craftsman Endures[31:40] -- Craftsman Color Palette[35:08] -- Wrap Up and Where to ListenVacation Lesson 1: Know Your Space Invader [01:50]Every family has one. The person who materializes in the exact spot you're trying to occupy. You walk into the kitchen, scan the room, see that nobody is standing by the coffee maker. Perfect. You set down your book, start walking over -- and by the time you get there, a child has appeared out of nowhere needing a banana or a spoon or anything that requires standing in your exact location. You go left, they pivot. You go right, they cut off the exit. Dan spent ten days at the cottage watching this happen in real time.The home improvement version: this person is a nightmare to paint with. You're rolling a wall with an extension pole and you turn around and catch them in the stomach with the handle. You reach for the paint bucket and they're already dipping their brush in it. You try to cut in the corner and they're cutting in the same corner from the other side.Dan's advice: identify this person before the project starts, and give them a different job. Send them for supplies. Send them for coffee. Let them help from a comfortable distance. This isn't exclusion -- it's project management.Vacation Lesson 2: Test Before You Commit [06:53]Dan arrived at the cottage with a brand-new swimsuit he had never tried on. It was alarmingly short. The elastic gripped him in ways that should not be legal. His family will apparently be telling that story for generations.The home improvement version of this is exactly what you'd expect, but it's worth saying plainly.Sample your paint colors. A swatch under store lighting is not a paint job. Grab a Benjamin Moore color sample -- about $5-6 for a half pint -- and put it on the actual wall or on a foam board you can move around the room. Look at it at different times of day, and especially at the time of day you're in that space most. A small roller like the Wooster Jumbo Coder works well for this; feather out the edges and you can paint right over it later when you're ready.Test your stain on your actual wood. RepcoLite does stain matching well -- other shops send customers here for it. But even a great match needs to be tested on the underside or backside of your specific material before you go all in. The same color formula can look very different depending on how a particular piece of wood absorbs it. Bring a sample of your actual wood when you come in for the match.Hold the brush before you buy. Paintbrushes look similar hanging on a rack but the handles are different -- some more square, some rounded, some heavier, some thinner. Pick it up and hold it the way you'd actually use it. If it doesn't feel right in the store, two hours into cutting in a ceiling isn't going to improve things.Vacation Lesson 3: Talking Is Not the Same as Communicating [11:41]Dan announced the dinner plan -- grilled chicken, salad, mashed potatoes, vegetables, 5:00 to 5:30 -- in clear language, to a room full of people who all nodded. Two hours later someone was pulling burritos out of the microwave. "Nobody told me."The contractor version is just as predictable. You assumed prep work was included. They meant something different by prep. You assumed two coats was standard. The quote was for one. Nobody asked. Nobody confirmed. Now you're having the burrito conversation halfway through the project.A few things to clarify before work starts:Ask what prep includes. "Prep work" on a quote can mean caulking and patching, or it can mean wiping down a surface. Find out specifically what's covered.Ask about coats. Is the quote for one finish coat or two? For most interior and exterior paint jobs, two coats is the right answer. Make sure you're both talking about the same job.Look beyond the price. When you met the contractor, did they listen during the walkthrough? Did they explain their process clearly? How someone communicates during the estimate is usually a preview of how they communicate during the job.Specify the products. You get to choose what goes on your walls. If you want a specific product -- Scuff-X, a specific Benjamin Moore line, anything -- say so upfront. The labor cost to apply cheap paint and good paint is roughly the same. The difference shows up on the walls.Follow up on references. A quick call to a past client tells you more than the quote will.The Craftsman Home: Launching a New Series [17:02]Dan is starting a recurring segment on American architectural styles -- not just what they look like, but the history, the architects, and how to think about color if you own one. The series starts with the Craftsman, one of the most widely recognized and widely loved styles in American residential design.What Makes a Craftsman Home [19:13]If you've had a hard time pinning down exactly what a Craftsman looks like, here's the picture:Low, gently sloping roof with wide eaves that extend out from the house -- you can often see the exposed rafter tails or decorative brackets underneath. A broad, deep front porch supported by thick tapered columns, usually sitting on a stone or brick base. The whole structure feels horizontal, grounded, almost hugging the earth. Materials are natural: wood, stone, brick. Colors are earthy. Inside, you'll typically find a central fireplace and built-in elements -- bookcases, benches, cabinetry. Warm. Solid. Welcoming.Dan admits he spent a year and a half nodding along when his former co-host talked about her Craftsman home without actually knowing what she meant. This segment is for everyone who has been doing the same thing.Where Craftsman Came From: Arts and Crafts Origins [20:16]The story starts in England in the mid-1800s, during the height of the Industrial Revolution. Factories were cranking out furniture and decorative goods in the dominant Victorian style: heavily ornamented, elaborately carved on the surface, but mass-produced underneath -- machine-stamped decoration glued onto flat boards, pieces nailed together quickly. The interiors to match were dense. Patterned wallpaper stacked on patterned carpets, lace, fringe, knick-knacks on every surface.By the 1860s, a group of designers started pushing back. The most influential was William Morris -- known today for his textile and wallpaper designs -- who believed that objects in a home should be honest and functional, made from real materials by real craftspeople. His guiding principle: "Have nothing in your home that you don't know to be useful or believe to be beautiful."That philosophy became the Arts and Crafts movement, which spread across England and arrived in the United States by the late 1800s.The American Craftsman Takes Off [24:19]Americans were equally done with Victorian fussiness and wanted something simpler, more natural, and more affordable. Two forces helped the Craftsman style spread quickly.Gustav Stickley was a furniture maker who deeply believed in Arts and Crafts ideals. In 1901 he launched a magazine called The Craftsman -- and put house plans inside it. For the cost of a magazine, ordinary families could find real architectural plans they could hand directly to a builder. Stickley's magazine ran until 1916 and essentially gave the American middle class a catalog of what a simpler, more honest home could look like.Sears, Roebuck and Co. started selling complete house kits through their catalog beginning in 1908. Pre-cut lumber, nails, shingles, windows, doors, and flooring all arrived by rail car, and a local crew -- or sometimes the homeowners themselves -- could assemble the house in a matter of weeks. Dan records at a studio in Holland, Michigan, and can see one of these catalog-era homes out the window every time he comes in.Quick side note: Craftsman tools, the Sears brand that launched around 1927, share the same catalog but have no actual connection to the architectural style. Completely independent naming. One of those odd coincidences of history.Selling house plans through magazines and catalogs made the Craftsman style accessible well beyond the wealthy -- the growing middle class could have one. That's a big part of why the homes spread so fast.Greene and Greene: The High End of Craftsman [27:40]The most elaborate Craftsman...

 Join José as he hosts another episode of the Emerging Manager series on the Delphi Podcast, sitting down with Michael Dempsey, managing partner of Compound. Michael makes the case that most venture funds being raised today are playing momentum games that won't survive contact with a real cycle, and explains why Compound has become known as one of the slowest-deploying seed funds in the US. They dive into the fallacy of founder legibility, why paying up at seed doesn't improve outcomes, and how the firm's research edge decayed the moment anyone could drop an academic paper into ChatGPT. Michael shares Compound's portfolio construction math, the thesis behind their public markets fund and the coming decade of market cap destruction, where he's investing across bio, materials, and robotics, and why the humanoid narrative is far more fragile than the market believes. Timestamps00:00 Intro01:24 Why Momentum Investing Fails in Venture05:05 Price, Legibility, and the Myth of the Obvious Founder15:10 Research as Edge and the Problem With Obviousness32:31 Portfolio Construction and Shots on Goal39:04 Bio, Materials, and the Commoditization of Intelligence43:44 Public Markets, Software Margins, and the Short Side56:58 Meta, Google, and the Mag 71:06:45 Crypto, Robotics, and Drone Warfare1:21:38 Therapy, Psychedelics, and Writing

On this episode, Dr. Yasmeen S. Alfaraj discusses the next generation of thermoset composites. She is the founder and CEO of NextSet Materials, a company developing a new generation of reprocessable thermoset materials. Through NextSet Materials, Yasmeen is addressing one of the composites industry's most persistent challenges: how to recover valuable fibers and other materials from durable thermoset structures that... The post 273: The Chemistry That Could Transform Thermoset Composites – Interview with Yasmeen S. Alfaraj of NextSet Materials first appeared on Cast Polymer Radio.

In today's Teaching Middle School ELA Podcast episode, We start with Genevieve's non-negotiable: teach a writing and thinking framework first. When students learn how to make a claim, back it with evidence, and justify their reasoning, they stop starting from scratch in every unit. That same structure carries into discussions, constructed responses, and essays, whether the text comes from your district textbook or supplemental resources. We also talk about why “teach the standard” beats “finish the pages,” how to use skill-based passages to front load a target skill, and how to turn textbook questions into stronger writing prompts and discussion starters. If you're trying to fit reading, writing, grammar, and vocabulary into short class periods, you'll love the “one text does multiple jobs” approach. We break down how to layer routines, reuse the tools that work, and build student independence through consistency. We close with a mindset shift that matters in August and still matters in March: plan for progress, not perfection, and trust that repetition is what creates real growth. If this helps, subscribe for weekly support, share the episode with a teammate, and leave a quick review so more middle school ELA teachers can find it. What's the one part of your district curriculum that feels hardest to teach right now?Podcast episode mentioned: BONUS: How to Use EB Resources With Your District Curriculum (Without Getting Behind or Overwhelmed)

Star Trek Fleet Command's M94: Cause and Effect is bringing some potentially massive changes to the monthly Battle Pass, and tonight we break down everything we know! The 20-day Battle Pass returns alongside FREE rare officer sourcing, Elite epic officer unlocks, new artifact choices, ship blueprint and upgrade-part sourcing, FKR ship part choice tokens, expanded building materials and much more. Most importantly, Scopely is experimenting with giving players far more control over what rewards they actually want instead of locking progression behind predetermined milestone rewards. DJz, Griffin and the Talking Trek community dig through the details, answer questions directly from players, reveal additional clarification from STFC HQ, and look at what these changes could mean for F2P, light spenders and late-game commanders. We also tackle the G7 economy, ship-part sourcing, Scopely's technology and engineering challenges, upcoming Galactic Anomalies, Forbidden Tech and whether M94 represents a genuine change in direction for STFC. The framework looks promising... but as always, the math will decide everything.   00:02 – Griffin Arrives & Immediate Audio Chaos 03:18 – Setting Up Tonight's M94 Preview 07:32 – Battle Pass Hype & Community Giveaways 13:27 – No Math Yet, But We Have the Mechanics 18:04 – G6 Surge Research & the Vengeance 23:16 – Five Battle Passes, a $100 Pack & Into the Main Show 25:05 – M94 “Cause and Effect” Preview Begins 26:44 – The New Battle Pass Philosophy: Player Choice 27:24 – The 20-Day Battle Pass Returns 27:36 – FREE Rare Officer Unlock Opportunity 28:24 – Choice Tokens & the New Exchange System 28:51 – New Artifact Exchange Explained 29:33 – Massive Starship Exchange & Expanded Ship Sourcing 31:20 – Materials, Resources & FKR Ship Part Choice Tokens 46:27 – Officer Rewards by Generation & Ops Level 48:17 – Artifact Exchange Deep Dive 49:41 – Free Rare vs. Elite Epic Artifact Unlocks 1:01:08 – Artifact Upgrades, IAPs & Future Seasons Sourcing 1:02:03 – Starship Exchange Deep Dive 1:03:11 – Can You Save M94 Tokens? Nope. Spend 'Em. 1:22:55 – Event Stores as Catch-Up Mechanics 1:23:49 – Supply Exchange & FKR Part Choice Clarification 1:42:32 – Temporary Boosts & Final Battle Pass Breakdown 1:43:12 – How Many Choice Currencies Are There, Really? 1:56:32 – $20 Value, Microtransactions & Moving Beyond Whales 1:58:05 – Scopely's “Regular Player” Engagement KPI 2:01:04 – Great Economy Changes, But Tech Still Matters 2:02:21 – Bugs, Lag & What Engineering Needs From Players 2:07:42 – Spam PMs, Chat Problems & a Possible Chat Rework 2:11:06 – Tech Stability, Version Control & the Rough Week 2:13:11 – Progress Is Real, But This Isn't Mission Accomplished 2:14:08 – Galactic Anomalies & M94 Teases 2:14:44 – Community Q&A Begins 2:15:01 – “Content Pause” vs. Slowing New Content Development 2:19:17 – Customer Support, Bug Triage & Engineering Escalation 2:22:49 – Forbidden Tech Level 60: What's Actually Holding It Up? 2:23:19 – Engineering, Game Design & Tackling the Tech Backlog 2:35:58 – Upcoming Streams & Thursday Arc Launch Plans 2:36:12 – Thursday's Galactic Anomalies & Reaver Additions 2:36:45 – Farewell to the Podcast Audience 2:37:46 – End of Show

Interview with Heather Smiles, VP External Affairs & Corporate Development of Electra Battery MaterialsOur previous interview: https://www.cruxinvestor.com/posts/electra-battery-materials-nasdaqelbm-north-americas-first-cobalt-refinery-targets-2027-start-8710Recording date: 14th August 2026Electra Battery Materials is constructing what will be North America's only battery-grade cobalt sulfate refinery, located in Temiskaming Shores, Ontario. The project addresses a structural gap in the continent's battery supply chain: outside of a single Finnish facility, essentially all cobalt sulfate refining capacity sits in China, leaving North American EV, electronics and defence manufacturers dependent on a supply chain they don't control.The company has secured $84 million in financing to fund construction through mechanical completion, targeted for Q2 2027, with commercial production expected later that year. That financing includes $48 million in direct government support across three jurisdictions - the U.S. Department of War, the Canadian federal government, and Ontario - reflecting what management characterises as a broader shift toward governments taking direct financial stakes in strategic midstream infrastructure rather than relying solely on private capital.Commercially, the refinery's initial 5,100-tonne annual capacity (expanding to 6,500 tonnes) is anchored by a tolling agreement with LG Energy Solution covering 60% of output. The agreement uses a collar structure, with a floor protecting Electra's margins if cobalt prices fall and a ceiling preventing LG from overpaying in a price spike - management estimates this alone could generate $30-32 million in annual EBITDA at full run-rate. The remaining 40% of capacity is not yet contracted, and management is still weighing how much market exposure to take on for that portion versus locking in further tolling arrangements. Reported expressions of interest for offtake run at roughly 2-3x the refinery's initial nameplate capacity, suggesting more demand than the facility can currently supply.Feedstock is secured through supply agreements with Glencore and Eurasian Resources Group, covering material sourced from the Democratic Republic of Congo, which produces roughly 80% of the world's cobalt.Beyond the core refinery, Electra is pursuing several growth vectors: an engineering study for a nickel sulfate refinery in the southeastern United States (addressing a similar midstream gap in a second critical mineral), black mass recycling capability, and cobalt-copper exploration assets at the Iron Creek project in Idaho's Cobalt Belt, which management is evaluating as potential future feedstock rather than near-term production.Demand-side fundamentals remain supportive: cobalt demand for lithium-ion batteries grew roughly 30% in 2025, driven primarily by EV adoption outside North America, alongside growing demand from consumer electronics and an emerging defence-sector use case. A new U.S. policy requiring domestically produced black mass to remain in-country for one year signals policymaker intent to support onshore refining capacity, though management characterises it as an early, limited step rather than a comprehensive solution.View Electra Battery Materials' company profile: https://www.cruxinvestor.com/companies/electra-battery-metalsSign up for Crux Investor: https://cruxinvestor.com

This week's episode features two segments. G20 Finance Track in Asheville this month First up, you'll hear Jeremy and Sea speak about the upcoming G20 Financial Track gathering of Finance Ministers and Central Bankers happening in Asheville at the end of August this year. We speak about the G20, neoliberalism, and some of the organizing happening locally. More info available at G20AVL.NoBlogs.Org Squatted Neighborhood of Prosfygika Then you'll hear a segment form the June 2026 episode #103 of B(A)D News: Angry Voices from Around The World by the A-Radio Network. In this audio, members of Crna Luknja from Ljubljana, Slovenia, speak with participants in the autonomous, squatted neighborhood of Athens, Prosfygika, a name which translates to Refugee. The audio was recorded on May 28th , so likely the situation has shifted and you can find more information and updates at SaveProsfygika.GR/index.php/en/ for English. According to a statement from June 24th found on that website, the hunger strikes of Aristotelis Chantzis and Suzon Doppagne were suspended following municipal statements in line with movement demands. Check the Materials page for statements, photos, audios and documentaries from and about the community. Announcements Mutual Aid in Spokane in the wake of massive fires A comrade sent some fundraising links for mutual aid, particularly for undocumented community members and folks at the Colville Tribal Rez north of town where fire damage has been extensive. Check our show notes for links. Amazon Wishlist for Colville Rez Spokane Tribal Network food assistance Asheville Anti-Surveillance Week of Action August 16-22 CAMS (Community Against Mass Surveillance) is doing a week of action against mass surveillance alongside the nationwide DeFlock week of actoin. Check our show notes for the local schedule of events in Asheville. SCHEDULE FOR WEEK OF ACTION: Aug 16-22: Sunday 8/16 – Week of Action kickoff & potluck: coalition building, info and resource sharing, and organizing for week of action and beyond, 1 to 3 pm, Home Hub Pavilion, 27 Balm Grove Ave., W AVL, rain or shine (covered outdoor space and access to indoor spaces). **Tuesday evening 8/18 - online panel and Q&A with local and national experts, 7 - 8:30 pm.** Friday evening 8/21 - Infoshare, Q&A, Speak Out + dance party, 6 to 10 pm, location TBD. . ... . .. Featured Track: TFSR by The Willows Whisper Beatbuster by The Willows Whisper

The home is evolving into a powerful, behavioural architecture tool. Gemma Riberti, WGSN's Director, CMF (Colour, Materials & Finishes) and Create Tomorrow host Cassandra Napoli reveal why the dining table is catalysing behaviour, framing moments of connection and shared experience.Whether you're designing a new product, curating your next dinner party or building wellness into your living space, Gemma uncovers how the hearth of the home whets our appetite for togetherness, influencing everything from kitchen design to social rituals at home. Find out how tablescaping delivers family moments and solo functionality, serving authenticity in imperfection.  

I interviewed Hsin-hsuan Yeh about Sense of Nowhere on Tuesday, September 2, 2025 at Venice Immersive in Venice, Italy. Here is the story synopsis for Sense of Nowhere: "Where do we go when we zone out, and how do we find our way back to reality? Sense of Nowhere is a journey from no-where to now-here, inspired by The Way from Taoism, the Illusion from Buddhism, and Jung's practice of Active Imagination. Blurring the line between inner world and outer reality, it transforms sonic, fragmented thoughts into a tangible experience. It is an invitation for the audience to explore the subconscious, piece together hidden clues, and find their way returning to the present moment." Here are the contextual domains that are explored: [9] - Dreams and unconscious [9], and the philosohpically-rich surreallity [9], and active imagination [9] as well as invocations of various associative links and memories [1]. Focuses a lot on these embodied interations [1] and dream-like absurd surreality [9] as a primary catalyst to pervert our expectations. Here is the Elemental Center of Gravity: 1st Center of Gravity of Air Element / Mental and Social Presence: Jungian Active Imagination, Associative Dream Logic, Chaos, Plausibility, Philosophically driven. I gained a lot of context from this interview about the meaning of the patterns, as well as how it is structured from exploring the Particles, Materials, Subconsciousness, Reality, Illusion. So it's the type of piece that can be fairly sparse and abstract, but worth unpacking the emerging spatial grammar and symbolic semotic explorations. There's also a bit of absurdist and surreal tone to this piece that is aspiring to transcend your expectations to enter into a unique possibilty space of exploration.2nd Center of Gravity of Fire Element / Active Presence: Lots of embodied and interactive loops throughout this experience. These interactions were very much designed to take the audience into an introspective journey. Director was initially resistant to talk about the piece at all as her preference would be for people to have their own immersive and interactive experience of it, but I managed to navigate the conversation using my own experiences as a proxy to dig more deeply into the design intentions.3rd Center of Gravity of Water Element / Emotional Presence: Music. Lots of iterative loops that are designed to be exploratory processes, which are then juxtaposed to each other throughout the piece creating a bit of interactive montage feel, but not a lot of explicit narrative threads to hang upon.4th Center of Gravity of Earth Element / Environmental and Embodied Presence: Lots of experimental embodied actions integrated into this story, but also very surreal and liminal imagary. Archetypal Themes and Character Explored: Very much a non-Boolean and non-dual approach with an embodied and associative link explorations. Artist Statement: "Sense of Nowhere begins with a drifting, zoning out, as the world fades into a blur of sound and sensation. Where does the mind wander when it slips from the present? Through sonic textures and visual cues, the work guides a slow return to awareness, driving thoughts from the edges of the subconscious. Ideas flicker in and out, like palms slowly opening and closing, present, then gone. There is no fixed narrative, only fragments that invite personal interpretation. Each viewer notices certain things, remember different feelings. In this difference lies the quiet beauty of thought itself: the way we make sense of the world mirrors how we come to understand ourselves." https://www.youtube.com/watch?v=zDajMkKRjXo This is a listener-supported podcast through the Voices of VR Patreon. Music: Fatality

What's the process like for having a custom ski built for you? What do you need to know? How much do you need to know about ski design? And are you someone who should consider it? Today, we're going to help you figure out all of these questions, with Folsom Custom Skis owner, Mike McCabe, Jonathan Ellsworth, and Steve Janisch.Note: We Want to Hear From You!Please share with us the questions, topics, or stories you'd like us to cover on GEAR:30. You can email those to us here.RELATED LINKS: Momentous: livemomentous.com code: BlisterGet Yourself Covered: BLISTER+Order our 26/27 Winter Buyer's GuideEnter Our Free Weekly Gear GiveawaysCHECK OUT OUR YOUTUBE CHANNELS:Blister Studios (our new channel)Blister Review (our original channel)TOPICS & TIMES:Shoutout: New BLISTER+ Members (1:42)The Process of Designing a Custom Ski (5:15)Steve's Experience Testing Skis at Blister Summit (21:04)Who are You Skiing With? (28:29)Adjusting Rocker Profiles (36:52)Materials (41:33)Mount Position & Stance (49:29)Graphics (51:00)Putting It All Together (54:47)CHECK OUT OUR OTHER PODCASTS:The Blister VaultBlister CinematicCRAFTEDBikes & Big IdeasBlister Podcast Hosted on Acast. See acast.com/privacy for more information.

The traders break down the state of the consumer as the summer winds down. Tanger CEO Stephen Yalof gives his take on where the consumer is heading and the result of the world cup on consumer behavior. Then, metals and materials surging midweek, with the XLB leading the gains in the S&P 500 and Gold reaching its highest levels since February. Plus, Alphabet drops on Exec shakeup, major tech earnings after the bell, and Disney jumping after earnings beat. Fast Money Disclaimer Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Footwear — running shoes, hiking shoes, walking shoes, etc — has never been more high-tech. Or confusing. Or expensive. It's a wild world. So today, Jonathan talks with Blister's running editor, Gordon Gianniny, about the current state of technical footwear; “super” shoes; AI; and more.Note: We Want to Hear From You!Please share with us the questions, topics, or stories you'd like us to cover on GEAR:30. You can email those to us here.RELATED LINKS: Momentous: livemomentous.com code: BlisterOneSkin: oneskin.co/BLISTERGet Yourself Covered: BLISTER+Order our 26/27 Winter Buyer's GuideEnter Our Free Weekly Gear GiveawaysCHECK OUT OUR YOUTUBE CHANNELS:Blister Studios (our new channel)Blister Review (our original channel)TOPICS & TIMES:Gordon's Background (6:19)The Confusing World of Footwear (9:35)Costs (20:41)The Super Shoe (23:20)Materials & Design (31:16)AI in Running Shoe Design (36:47)Predictions (45:20)CHECK OUT OUR OTHER PODCASTS:The Blister VaultBlister CinematicCRAFTEDBikes & Big IdeasBlister Podcast Hosted on Acast. See acast.com/privacy for more information.