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The Prism of America's Education with Host Karen Schoen – Do you ever check what your family reads? Too many of us do not pay attention. Therefore, the content of many school materials is unnoticed . Here are a few of the lies promoted... Communism is held in the most favorable light, while the true history of communism is ignored. Capitalism is touted as selfish while facts and history are ignored.

With yet another Jurassic Park movie in the theaters, popular attention once again turns to dinosaurs, so Todd and Paul made a dinosaur episode! Special guest and T. rex expert Matt McLain tells us all about these "tyrant kings." Where do they come from? What were they like? And most importantly, how can a creationist understand the place of Tyrannosaurus in God's good creation? Check out this latest episode to get the full scoop on T. rex, king of the dinosaurs! Materials mentioned in this episode Schweitzer, M., Zheng, W., Zanno, L. et al. Chemistry supports the identification of gender-specific reproductive tissue in Tyrannosaurus rex. Sci Rep 6, 23099 (2016).https://doi.org/10.1038/srep23099 Dinosaurs that did not die: Evidence for Paleocene dinosaurs in the Ojo Alamo Sandstone, San Juan Basin, New Mexico, GSA Special Papers By: James E. Fassett, Robert A. Zielinski, and James R. Budahnhttps://doi.org/10.1130/0-8137-2356-6.307 The Valley of Gwangi. Movie with stop motion by Ray Harryhausen.https://en.wikipedia.org/wiki/The_Valley_of_Gwangi Fossils and the Flood by Paul Garner and Jeanne Elizabethhttps://a.co/d/4yG96BL Past Podcast episodeshttps://youtu.be/OgpNJpoJEOQEpisode 34: Dominion: How Creationists Approach the Jurassic World(feat. 3 PhD. Paleontologists) 

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

This Podcast Is Episode 640, And It's About How To Build Systems That Support Your Construction Business Turning the 3 Pillars—Marketing, Accounting, and Production—Into Repeatable Routines(without adding more work) You've done the hard part—you're running a construction business, getting jobs, and turning out quality work. Perhaps you've even begun to refine your marketing, job costing, and project delivery strategies, thanks to the three pillars we've discussed: Attracting the Right Jobs, Controlling the Money, and Delivering Projects Profitably. But here's the next step that will take your business from reactive to reliable, from "just getting by" to scaling sustainably: You need systems. Not paperwork piles. Not more apps. Just smart, repeatable steps that make your business more efficient—even if you're still a one-person show. As construction bookkeeping specialists, we help contractors every day who are great at swinging hammers but are overwhelmed by admin. This post will show you how to build simple systems around your existing workflow, so you can run your business more smoothly, make better decisions, and free up your time. What Is a "System" Anyway? A system is simply a repeatable process that occurs consistently without requiring you to reinvent the wheel each time. It could be: A checklist An automation A template A recurring habit Or a combination of all of the above The goal is predictability—so your business can function smoothly whether you're at a job site or taking a day off (yes, that's allowed!). Why Small Construction Businesses Need Systems You might be thinking, "I'm not a big company—I don't need systems." But the truth is, you need them even more. Why? Because without systems: Every invoice is different Every client interaction takes extra effort You forgot to track your hours or materials You lose receipts or miss billing for change orders You're constantly reacting instead of planning The right systems save you time, reduce stress, and increase your profitability. And they don't have to be complicated. System #1: A Simple Lead-to-Job Process The Problem: You get an inquiry, scribble notes on paper, forget to follow up, or lose track of what was discussed. Sound familiar? The System: Create a basic lead intake form (Google Form, CRM tool, or paper checklist) Pre-qualify leads with a few standard questions: Project type, location, timeline, budget Save all client information in one place (e.g., Google Sheet, Notion, Trello). Use a standard estimate template so every quote includes: Scope Pricing Timeline Payment terms Send a welcome email template after a job is accepted (include next steps, policies, and what to expect) Bookkeeper's Tip: Keeping track of leads and estimates helps you compare projected vs. actual profits, so you can learn which jobs are truly worth your time. System #2: A Weekly Money Routine The Problem: You're too busy to check the books, so you don't know if you're making or losing money until tax time. The System: Set aside 30–60 minutes each week to review your finances: Reconcile transactions (or send to your bookkeeper) Check outstanding invoices Follow up on late payments Log hours worked and materials used (by job) Review your cash flow forecast for the next two weeks Even if you outsource the bookkeeping, your weekly check-in keeps you in control. Make it part of your Friday routine, just like packing up your tools. Bookkeeper's Tip: We can set up automated reports to send you a cash flow summary, job costing update, or overdue invoice list via email each week—no extra work on your end. System #3: Job Costing and Change Order Tracking The Problem: You think you're making money on jobs, but in the end, you can't say for sure, and you might've given away work for free. The System: Use a spreadsheet or job costing software (like QuickBooks Projects or Buildertrend) Track: Labor (hours × rate) Materials (receipts, delivery invoices) Subcontractors Permits, rentals, and other direct costs Add a simple change order log to each job file Description, date, price, status (pending/approved) Get approval before starting extra work   Bookkeeper's Tip: When you track jobs this way, we can help you compare estimated vs. actual costs and margins—so your future quotes get sharper and more profitable. System #4: Project Timeline & Client Communication The Problem: Clients get anxious when they don't hear from you, and scope creep happens when there's no clear plan. The System: Break each project into 3–5 major phases (demo, framing, finish work, etc.) Assign rough start/end dates Use a whiteboard, app, or calendar to stay on track Send weekly updates to clients (template email or quick text summary) "Here's what we completed this week… Here's what's next…" Bookkeeper's Tip: When jobs stay on schedule, you're more likely to invoice on time and get paid faster, which improves your cash flow. System #5: Receipts, Invoices, and Tax Readiness The Problem: You have a shoebox full of receipts and scramble to find documents when tax season rolls around. The System: Use a digital system like Dext, Hubdoc, or even a shared Dropbox folder Snap photos of receipts as you go—tag them with the project name Save estimates, signed contracts, and change orders in organized folders Send invoices promptly at milestones (use progress billing templates) Review reports monthly with your bookkeeper (Profit & Loss, Job Profitability, etc.) Bookkeeper's Tip: With clean books and digital records, tax time is painless—and you'll never miss a deduction. The Myth of "More Work" The biggest myth about systems is that they add more to your plate. In reality, they save you time and stress by preventing confusion, wasted effort, and missed revenue. Stop rewriting the same emails Stop digging for info buried in texts Stop guessing at prices or costs Stop forgetting to bill for work you did With systems in place, your business becomes predictable, profitable, and easier to manage—even as you grow. Ready to Systemize Your Construction Business? You don't have to figure this all out on your own. As construction bookkeeping specialists, we help small contractors establish and maintain systems that align with their workflow. Whether it's: Automating job costing Simplifying invoicing Organizing digital receipts Reviewing job margins Or building custom templates We'll help you take the guesswork out of your money—and give you back control of your time. Let's identify one or two areas in your business where a system could save you hours (and dollars) every week. You build homes. We'll help you build the business behind them. About The Author: Norhalma Verzosa is a Certified Construction Marketing Professional and serves as the Web Administrator of Fast Easy Accounting, located in Lynnwood, WA. She holds a Bachelor's Degree in Psychology and is a Certified Internet Web Professional, with certifications in Site Development Associate, Google AdWords Search Advertising, and HubSpot Academy. She manages the entire web presence of Fast Easy Accounting using a variety of SaaS tools, including HubSpot, Teachable, Shopify, and WordPress.

Lyra's back and she inexplicably has a new friend straight out of a Jacqueline Wilson novel. Phillip Pullman's The Subtle Knife tackles parallels worlds, god's existence, quantum physics, skull-drilling, and funding applications – and somehow is the greatest book for children over the age of eleven of all time. Hosted on Acast. See acast.com/privacy for more information.

Next month world leaders will again gather to focus on dealing with our global plastic problem. So this week we're looking for solutions. Marnie Chesterton hears from Professor of Sustainable Chemical Engineering at the University of Sheffield, Rachael Rothman on how we can engineer safer, more environmentally friendly plastics. And at the other end of the plastic spectrum, she hears about the clean up operation after the world's biggest ocean spill of nurdles – tiny plastic pellets which are used to make plastic products. Investigative environmental journalist Leana Hosea brings the results of her investigation into the clean up after the X-Press Pearl container ship caught fire and sank 4 years ago.Mark Miodownik, University College London Professor of Materials & Society returns to the studio with the results of a citizen science project to try to get more data on potty training. It aims to encourage parents to get toddlers out of nappies earlier.And Penny Sarchet, managing editor at New Scientist brings her pick of this week's newest scientific discoveries.Presenter: Marnie Chesterton Producers: Clare Salisbury and Dan Welsh Editor: Martin Smith Production Co-ordinator: Jana Bennett-Holesworth

Are you using the Natural Language Acquisition (NLA) framework in your autism intervention? This episode of The Preschool SLP pulls back the curtain on Gestalt Language Processing (GLP) and challenges you to think critically about what's truly supported by research—and what isn't. SLPs are increasingly encouraged to adopt GLP-informed interventions, but a recent article by Venker and Lorang (2025) in response to Hadock et al. (2024) raises five concerns you can't afford to ignore. In this episode, we break down each criticism with clinical insight and offer evidence-aligned strategies you can use immediately in your therapy room.

In this episode, we explore how to visually demonstrate that every individual strength and unique identity fits together to form a complete, interconnected, and thriving classroom community. It's about showing that every single student is an essential piece of our collective whole.Key Takeaways from this Episode:For Visualizing Interconnectedness:Understand the "Puzzle Piece Identity Display" as a powerful metaphor for classroom community, where each unique piece is vital for the whole picture.Learn how to guide students in decorating their puzzle pieces to reflect their identity (interests, strengths, culture, dreams).Discover the impact of collaboratively assembling the puzzle, reinforcing that "No matter how small you are, you can make a difference."For Fostering Empathy & Support:Explore how reflection discussions around the assembled puzzle encourage empathy and proactive support within the community (e.g., "How do we support each other's pieces?").Understand that "Individually, we are one drop. Together, we are an ocean," highlighting the strength in collective unity.For Holistic Development (Connection to Hill Model & SEL):See how this activity impacts the Hill Model's areas of student development: Identity, Criticality, Skills, Joy, and Intellect, through self-affirmation, analyzing interdependence, practicing teamwork, and experiencing collective accomplishment.Learn how it's a powerhouse for Social-Emotional Learning (SEL), enhancing self-awareness, social awareness, relationship skills, and responsible decision-making.For Impacting Learning (Connection to John Hattie):Discover how this collaborative task boosts Collective Teacher Efficacy and positively impacts the Classroom Climate.Understand how it strengthens Teacher-Student Relationships through shared purpose and visible interconnectedness.Reflect on Henry Ford's quote: "Coming together is a beginning; keeping together is progress; working together is success."In this episode, I mention:The "First 10 Days: Building a Welcoming and Respectful Classroom of Belonging" Resource BundleFREE Day 1 Lesson Plan & Materials"Puzzle Piece Identity Display" ActivityJohn Hattie's Visible Learning research (Collective Teacher Efficacy, Classroom Climate, Teacher-Student Relationships)The Hill Model (Identity, Criticality, Skills, Joy, Intellect)Ready to take action?

“Embodied” approaches to healing include expressive movement, guided imagery, ritual, music and creative expressive interventions.  This goes beyond static medication and breathing exercises and into more dynamic practices. Pioneer Toni Bergins, brings active movement or “embodiment” into the toolkit offered in her book, “Embody: Feel, Heal, and Transform Your Life Through Movement” Bergins turns the processing of pain and trauma into an expressive art aligned with the most recent research. Her trauma-informed approach helps you release old struggles and shows you to stop over-thinking and get moving! Listen to our conversation with author and creator of JourneyDance Toni Bergins as we discuss her approach for embodied healing through expressive movement, guided imagery, ritual, music, and creative expression. Toni Bergins, M. Ed., is an author, holistic health practitioner and teacher. For 27 years, has led transformational workshops at the Kripalu Center for Yoga & Health.   She has lead her JourneyDance workshops at Institute, Omega Institute, 1440 Multiversity, The New York Open Center, Pure Yoga, and Blue Spirit.  JourneyDance has grown to be an annual event since Toni first presented her workshop at the Omega Institute in 2008. Toni also shares her talents by writing and creating videos for her website, journeydance.com. Toni Bergins' book gives readers a potent method for addressing trauma so that individuals can face it, recover, and learn to appreciate themselves for who they are. Her book includes Toni's prescription for a comprehensive healing journey, comprised of five core elements: Music, to foster imagination and healing to change mood; Movement, to enhance presence and release old patterns and traumas; Mystical Inquiry, to guide readers into shamanic states using imagery and creative visualization; Prayers and Invocations, to raise energetic vibrations to a positive place; and Journaling, to process inner self-awareness learned on the dance floor. If you are interested in learning about Toni Bergins' unique, experiential, and therapeutic process, this podcast is for you. Links and Resources: Purchase the book visit: https://tinyurl.com/52u6uy43 Learn more about Toni Bergins: https://journeydance.com/toni-bergins/ Materials to Reference: Check out Toni Bergin's website: https://journeydance.com/ Check out Toni Bergin's youtube channel: https://www.youtube.com/user/journeydanceTM Listen to Toni Bergin's Music: https://open.spotify.com/artist/6EUGtrZ46D55CIkQH0lvMF?si=hoLe0r61SFeV8d_smzcJYA

Wall Street recorded a mixed session. Earnings by Eli Lilly disappointed and Trump said he'll nominate Council of Economic Advisors Chairman Stephen Miran to serve out the remaining term of Federal Reserve Governor Adriana Kugler, while searching for a longer term replacement. S&P 500 down 0.08%, Nasdaq up 0.35%. Dow dropped at the open, and maintained that level throughout the day. Closed near low, down 224 points. Mixed sector performance. Utilities, Materials and REITs all rose despite bond yields ticking up, rotation into defensives. Healthcare worst performer again, Eli Lilly's disappointing results didn't help, Trump's threats to hike tariffs on pharmaceuticals to 250% within 18 months also a continued headwind. Financials and Energy rounded out the bottom three performing sectors.ASX to fall. SPI futures down 25 points (-0.28%).Want to invest with Marcus Today? The Managed Strategy Portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

Historically, some industrial activities have elicited strong views from the public. Finding the balance between interest and accessibility without bias can be a challenge. Understandably, many companies are nervous of lighting the touchpaper of public opinion and over time this reticence about sharing the details of industrial processes can lead to a lack of public understanding about how things are made. There are thousands of people doing jobs that aren't well known, digging up rocks at unprecedented scales all over the world. An increasingly complex supply chain with countless processes convert natural resources into something useful. With critical minerals ever more in the headlines, it is critical that the public understand what it takes to produce the goods and services that support their modern lifestyles, as well as the multitude of roles and wealth of expertise that are the backbone of the industries. Good communication can ignite the interest of the next generation, who are going to be needed as part of the growing workforce in these sectors. Joining Alex Brinded to discuss how this can best be achieved are: Ed Conway HonFIMMM – author of the book Material World and Economics Editor at Sky News Catherine Lalut - author of the children's book series, The Mine that Fell Asleep, Project Manager at Fortescue - Mine Planning; Founder & President of Women in Mining & Engineering Western Australia, and CEO & Co-founder of the Australia-Latin America Mining & Energy Alliance. Sharon-Elizabeth Strugnell FIMMM – author of an activity book about mining and minerals for primary schoolchildren, and Technical Director and Group Leader of Mine Waste for WSP in the UK as well as a STEM ambassador.

In this episode, we bring it all back to the individual with a creative twist. We dive into Day 8: Uniquely You Creative Snapshot, exploring how to celebrate the incredible individuality of each student through imaginative prompts and a special visual display that will grow with them throughout the year.Key Takeaways:For Expressing Unique Identity:Understand the "Uniquely You" tree worksheet as a living, evolving self-portrait for students.Learn how to use imaginative prompts (e.g., "If you were a sound, what would you be and why?") to encourage deep self-reflection and creative expression.Discover how this activity, like the "Culture Hand," can be modified to be subject-specific (e.g., "My Scientist Tree," "My Mathematician Tree") and used throughout the year to track growth.For Celebrating Creativity & Authenticity:Explore how this activity allows students' "intelligence to have fun," echoing Albert Einstein's quote on creativity.Understand the power of publicly displaying these "Uniquely You" trees in the hallway or on the door to celebrate individuality and reinforce that "To be yourself... is the greatest accomplishment" (Ralph Waldo Emerson).For Holistic Development (Connection to Hill Model & John Hattie):See how this activity impacts the Hill Model's five areas of student development: Identity, Criticality, Skills, Joy, and Intellect.Learn how it aligns with John Hattie's Visible Learning research by boosting Self-Efficacy and Student Voice through public affirmation and diverse expression.In this episode I mention:The "First 10 Days: Building a Welcoming and Respectful Classroom of Belonging" Resource BundleFREE Day 1 Lesson Plan & Materials"Uniquely You" Tree Worksheet"Uniquely You Creative Snapshot" Prompt CardsQuotes from Albert Einstein and Ralph Waldo EmersonThe Hill Model (Identity, Criticality, Skills, Joy, Intellect)John Hattie's Visible Learning research (Self-Efficacy, Student Voice)Ready to take action?Download your FREE Day 1 Lesson Plan here: customteachingsolutions.com/btsfreeExplore the full "First 10 Days" Resource Bundle here: customteachingsolutions.com/btsbundleHow can I introduce the "Uniquely You" tree to truly spark my students' imaginations and encourage authentic self-expression?Which of the creative prompts might resonate most with my students, and how can I support diverse responses?How will I use the "Uniquely You" tree as an ongoing tool for reflection and celebration throughout the year, perhaps connecting it to subject-specific growth?What steps can I take to ensure all students feel comfortable and celebrated when their unique work is displayed publicly?Stay connected:Email: Jocelynn@customteachingsolutions.comLinkedIn: https://www.linkedin.com/company/cts-custom-teaching-solutions/Instagram: https://www.instagram.com/iteachcustom/Website: https://customteachingsolutions.comDon't miss out on making this school year your most belonging-centered one yet!

In this episode, Cathleen Shargay, Advisor of Materials and Welding Engineering at Becht, joins co-hosts Heather Allain and Marc Cook to explore the complexities of materials selection during project execution. The conversation covers a wide range of essential topics, from understanding what materials selection diagrams (MSDs) are and how they interface with process engineering, to evaluating life cycle cost inputs and establishing design life. Cathleen also unpacks how MSDs relate to Integrity Operating Windows (IOWs) and Corrosion Control Documents (CCDs), and how these tools work together to support informed decision-making. The episode dives into strategies for managing excursions, assessing corrosion circuits, and understanding the consequences of material failure. Finally, the discussion looks ahead to how artificial intelligence is beginning to shape materials selection and analysis in the future of engineering. This episode is sponsored by Tricor Metals and Webco Industries.   Corrosion Chronicles is produced by Association Briefings.

Cristina reviews new allegations concerning the recovery of crashed UFOs UAP involving an unexpected Government agency, as well as details surrounding the protocols and procedures involved in the recoveries, and other news updates.00:00 - DOE Secret UFO Recovery Teams03:01 - DOE NEST & 1954 Atomic Energy Act04:35 - Congressional Hearing with DOE06:01 - Elon Musk Access Claims Debunked08:25 - Flux Liners & Suspicious Actions09:14 - Psychic Ops & Jake Barber IntelBecome a supporter of this podcast: https://www.spreaker.com/podcast/strange-and-unexplained--5235662/support.

Stefan Tim has been hand carving traditional bows for two decades in Arnhem, the Netherlands. Under his brand, Bamboo Bows, he crafts and sells traditional Japanese Yumi bows and stunning horn bows that combine bamboo, wood, and horn. Additionally, Stefan is passionate about history and teaches history at a local high school. Please enjoy this episode of Project Quiver on Salish Wolf with Stefan Tim.          Episode Links: https://www.instagram.com/bamboo.bows/ https://www.facebook.com/bamboo.bows/ Bamboo Bows on EtsyProject Quiver at Anchor Point ExpeditionsSummary:In this conversation, Todd and Stefan discuss the art of bow making, the influence of history and culture on archery, and the techniques involved in crafting bows, particularly the Japanese Yumi bow. Stefan shares his journey from teaching history to becoming a bow maker, his experiences with students, and the impact of historical films on his passion for archery. They delve into the specifics of bow construction, the materials used, and the unique techniques of shooting with a Yumi bow. They also discuss the intricacies of archery, focusing on the psychological aspects of target panic, and the art of arrow release. Lastly, they explore the therapeutic nature of woodworking and the need for alternative educational paths that prioritize passion and fulfillment over traditional schooling.Show Notes:Stefan teaches history and incorporates archery into his lessons.Engaging students with hands-on history makes learning memorable.Stefan has been making bows since he was 12 years old.The Yumi bow is a unique Japanese bow with specific construction techniques.Bamboo is a key material in Yumi bow making.The release technique in archery is crucial for accuracy.Stefan learned bow making from a mentor in the US.Cultural influences shape the materials and techniques used in bow making.Archery techniques vary significantly between cultures.The draw weight and length of Yumi bows are distinct from Western bows. Everybody struggles with target panic, even if you never heard about it.You have to trick your mind into not knowing that you're going to release.Making stuff is cool and fulfilling.There's a lot of things to say about the school system that doesn't work for everyone.Do what you love to do and there'll be a market for it.Bow making is not a static thing; it evolves with experience.There's always somebody interested in handmade products if you want to sell them.The therapeutic aspect of bow making connects with a deeper nature of ourselves.The journey of becoming a bowyer is filled with learning and experimentation.Workshops and community are essential for passing on skills and knowledge.Chapters:00:00 Introduction and Background02:50 Teaching History and Engaging Students05:42 Life in Arnhem and Travel Experiences08:46 Family Life and Archery with Children11:37 The Influence of History on Bow Making14:26 Understanding Japanese Bow Making Techniques17:31 Materials and Construction of Bows20:30 The Art of Yumi Bow Carving26:21 Mentorship and Learning from a Master Bowmaker29:08 Exploring Traditional Japanese Archery31:49 Understanding the Kido Technique35:50 The Art of Releasing the Arrow38:29 Target Panic and Mental Aspects of Archery43:26 Crafting Unique Bow Designs49:29 The Journey to Becoming a Bowyer53:00 The Therapeutic Nature of Crafting56:39 The Art and Science of Bow Making59:16 Inspiration and Family Influence in Craftsmanship01:00:58 Teaching and Passing on the Craft01:07:06 The Journey of Selling Bows01:11:21 Education Beyond Traditional Systems

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Amanda Lindhout, RIMS Canada Keynote, bestselling author, and globally sought-after keynote speaker known for her powerful insights on resilience and transformation. Justin and Amanda discuss her 460 days in captivity in Somalia, the resilience she learned to develop in her darkest days, and the lessons she brings to the world on resilience and inner strength. They discuss Amanda's New York Times bestselling memoir, A House in the Sky, how hard but cathartic it was to write, and why she shared it with the world after writing it for her healing. She discusses her Complex Post-Traumatic Stress Disorder and how she evolved past being homebound for two years.   Amanda gives a preview of her message for the closing keynote of the RIMS Canada Conference 2025 and what the audience can expect to learn.   Listen to learn how you can strengthen your resilience through intention, presence, gratitude, and mindset.   Key Takeaways: [:01] About RIMS and RIMScast. [:14] The RIMS Canada Conference 2025 will be held from September 14th through the 17th in Calgary. Visit RIMSCanadaConference.ca to register. [:26] About this episode of RIMScast. Our guest today is the author of the New York Times bestselling book, A House in the Sky, and she will deliver a keynote address at the RIMS Canada Conference 2025 on September 17th. I'm talking about Amanda Lindhout. [:57] RIMS-CRMP Workshops! The next Virtual RIMS-CRMP exam prep, co-hosted by Parima, will be held on September 2nd and 3rd. [1:07] The next RIMS-CRMP-FED virtual workshop will be held on November 11th and 12th, and led by Joseph Mayo. Links to these courses can be found on the Certification Page of RIMS.org and through this episode's show notes. [1:23] The next RIMS Webinar will be held on September 4th and will be led by AXA XL. It is titled “Lockdown & Level Up: Turn Up Your Cyber Security Game Against Creative Cyber Criminals”. Register at RIMS.org/Webinars.  [1:38] RIMS Virtual Workshops! RIMS has launched a new course, “Intro to ERM for Senior Leaders.” This is a two-day course. The first two-day course will be held on August 12th and 13th and will be led by former RIMS President, Chris Mandel. [1:56] The course will be held again on November 4th and 5th and will be led by Elise Farnham. RIMS members enjoy deep discounts! [2:05] The full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's notes. [2:16] Mark your calendars for November 17th and 18th for the RIMS ERM Conference 2025 in Seattle, Washington. The agenda is jam-packed with educational sessions that will resonate with risk practitioners in all stages of their careers. [2:37] See the full agenda at RIMS.org/ERM2025. Nominations are open for the RIMS Global ERM Award of Distinction 2025. The nomination deadline is Saturday, August 16th. The award is presented annually at the RIMS ERM Conference. There is a link in this episode's show notes. [3:02] If your organization's ERM program or one you know of deserves this recognition, we want to hear about it. Remember to send in that nomination form by August 16th. [3:14] RISKWORLD 2026 will be in Philadelphia, Pennsylvania, from May 3rd through May 6th. RIMS members can now lock in the 2025 rate for a full conference pass to RISKWORLD 2026 when registering by September 30th. [3:28] This also lets you enjoy earlier access to the RISKWORLD hotel block. Register by September 30th, and you will also be entered to win a $500 raffle. Don't miss out on this chance to plan and score some extra perks. [3:41] The members-only registration link is in this episode's show notes. If you are not yet a member, this is the time to join us. Visit RIMS.org/membership and build your risk network with us here at RIMS. [3:55] On with the show! Our guest today is the best-selling author of A House in the Sky. That's her memoir, which chronicles surviving 460 days in captivity in Somalia. [4:07] It is an intense read, in which she shares hard-earned wisdom that inspires individuals and organizations to grow through adversity. Her name is Amanda Lindhout, and she has delivered over 500 keynotes in 28 countries. [4:21] Amanda is a native of Sylvan Lake, in Alberta, Canada, between Edmonton and Calgary. We are delighted that she will be delivering the closing keynote for the RIMS Canada Conference 2025 in Calgary on September 17th. We will discuss resilience and get a preview of her keynote. [4:44] Interview! Amanda Lindhout, welcome to RIMScast! [5:02] Seeing that Amanda would be a guest on RIMScast, Justin read A House in the Sky. It's an intense read. Justin has never read anything like it before. It opened his eyes and took him to different places. Justin thanks Amanda for writing such a strong memoir. [5:38] It was a challenging memoir to write. It was about a five-year process after Amanda was released from 460 days in captivity. The writing was insular. She wasn't thinking about the audience who would eventually read the book. It was part of her healing process. [6:06] Amanda says when you go through anything difficult, it's imperative to give it a voice by writing about it or talking it through. Being a former journalist, writing about it came naturally to her. She wanted to write about it. She didn't rush it. She took her time with it. [6:26] There are some pretty intense chapters. She worked on an intense chapter for a lot of time, taking breaks to process what the writing process was provoking in her. It was cathartic. [7:04] Amanda says, for maintaining her sense of dignity, while violence is part of the story, it felt important not to be graphic about it, not for her future audience, but for herself and the way she was processing the experience. It was tied to her dignity around what had happened to her. [7:40] Justin suggests that the threat of violence is already there, and it doesn't serve Amanda well to go that graphic. She was writing it for herself, not thinking about others, but the time came when it went into the world and was a big success, a New York Times bestseller. [8:17] It's one of the top-selling Canadian memoirs ever written. There was not only an audience, but a big audience. That took a lot of adjusting for Amanda. It was a difficult time for her. The success came from a very challenging experience. [9:04] There was an adjustment period, where people knew about what happened when she was in the dark house, when she had chains on her ankles. She moved through that adjustment period relatively quickly because it brought out an incredible connection with others.  [9:32] Can people who haven't gone through 460 days in captivity relate to Amanda? The way it was written, people were able to link it back to difficult experiences in their lives. They felt a profound connection to Amanda. That was beautiful to her. [9:56] As Amanda moves through the world, people read about the most vulnerable days of her life, and they connect to her with care, compassion, and empathy. She is greeted with a lot of hugs. That connection is an important piece of healing for anybody. [10:16] Amanda has found that connection in droves, in a way that most people won't, because her story is public. Amanda says it's almost like people are overcome with this need to make contact with her. [10:39] Many years ago, when she was struggling with complex post-traumatic stress disorder, if a man came at her with kindness and a desire for connection, that could activate something in her. That never happens to her anymore. She welcomes that sense of connection with people. [11:03] Amanda has had to move through stages of comfort to get to where she is now. After a Q&A at the end of a keynote, Amanda will say, I welcome all the hugs, and people will line up to do that. [11:48] Amanda converted to Islam while she was held captive. That was a strategic move and a survival strategy. As a journalist, she had spent a lot of time in the Middle East and had a foundation of understanding of Islam. [12:17] The teenagers who had abducted them along the side of the road were radicalized. They were not practicing the version of Islam that the vast majority of people around the world are. [12:32] Amanda recognized that if they did this false conversion, that might work to humanize them to the captors. Justin reads a passage from the book. [12:47] “We made vows to accept Allah as our only God and Mohammed as his messenger. What I felt in that moment was not surrender, and it wasn't defiance. This was simply a chess move. An uncertain knight slid two squares ahead and one to the side.” (Justin's favorite line.) [13:04] “It was not a betrayal of faith, of mine, or Nigel's, or theirs. It was a way to feel less foreign, and in feeling less foreign, we could be less afraid. We were doing what it took to survive.” When Justin read that, he realized this was Phase 2 of the book. [14:02] Amanda notes that there was a lot of strategy in surviving those 460 days. That was one of their moves. [14:12] In the early days of their captivity, they tried to form connections with their captors by answering questions about life in the West. The captors weren't allowed to look at images of people or listen to music in their culture. [15:21] Amanda says it's a human impulse, in crisis, to build connections with adversaries when it's about life and death. It's also Amanda's nature as a journalist. Her world was about human connection and understanding others, those who had different cultures from hers. [15:50] Amanda has been to 92 countries. She has always been very interested in the stories of others. The landscape in which those boys grew up was so foreign to us in North America, and the privilege we have, which we don't even recognize. The youngest captor was 14. [16:31] The captors had grown up without school and a real value system or role models. They're radicalized in one of the poorest places on Earth, where people are dying of hunger. [16:46] Amanda tried to understand how they came to the conclusions they did about Amanda and the other captives. That helped her during her toughest moments when she could hardly fathom how human beings could behave like they did toward Amanda and the others. [17:06] They behaved like they had no conscience at all. Amanda says those teenagers were the teachers to her about the adage that hurt people hurt people. It doesn't excuse what they did. [17:26] When Amanda tried to reconcile how it could have been so bad, it was because they had a life that held death, disease, pain, and war, and that was their starting point. The way they treat others is a reflection of what is inside of them. That was important for Amanda to understand. [17:50] Toward the end of the book, Amanda describes a sort of out-of-body experience where she could see the trauma the boys lived through. Understanding the root cause doesn't excuse the behavior. [18:21 That insight came to Amanda from some of the most difficult days she had in captivity. She almost died. In the deepest part of her being, she knows that hurt people hurt people. That serves her in her life on the other side of captivity. [18:54] Every day, you see the headlines and ask how the world can be this messed up, and you try to make sense of it. Amanda was fortunate to have that lived experience. Something opened up inside of her where she has a sense of understanding in a way that many people do not.  [19:14] This never excuses the actions of anyone. She just has a profound understanding of how those actions can happen. [19:43] Justin asks if the massacre on October 7th, 2023, was a triggering event for Amanda. She says Definitely yes. Even seeing hostage-taking in the headlines creates an activation in her. Amanda has had to learn to navigate a world that has a lot of triggers. [20:17] Amanda was given the diagnosis of complex post-traumatic stress disorder (CPTSD) immediately upon her release from captivity. She has had to learn to navigate a world that is very provocative relative to her CPTSD. [20:38] Over the years, Amanda has learned to reframe things that are difficult for her. She has habits and a mindset she has chosen that help her. She committed to doing the things that move her toward healing and growth, and doing those things repeatedly, for many years. [21:16] Amanda is an example of what is possible. She was very active by October 7th, but it didn't linger. She knew what to do to bring herself back to center, to ground herself, and look around her reality. Even though terrible things happen, she can orient to what is working well. [21:37] Amanda focuses on what is in her immediate surroundings that feels good, while acknowledging that these difficult feelings are there. She knows that they will lessen. Even a couple of days later, she wasn't in the grip of October 7th. [21:57] Every time she feels activated, she turns toward it. She doesn't try to tuck it away in a back pocket. She gives it her full attention. By doing so, she dissipates the intensity of the trigger's energy. Justin believes everyone can learn from this approach to triggers. [22:25] Amanda's story and October 7th are big events that most people can't wrap their heads around. Yet, almost everyone is going to go through things that are different, that feel unbearable, and so overwhelming. The circumstances are different, but the feeling inside is not so different. [23:14] The skills and habits we're talking about today don't just relate to big headline events. They apply to the hard things we each go through every day and what they provoke in you. Amanda wants people to see themselves in this conversation. [23:35] That's the preview of Amanda's keynote at RIMS Canada. Amanda does a few different talks. She will give her resilience talk for the closing keynote at RIMS Canada. With her life experience, there are lots of things she could talk about. [23:50] These days, everyone is doing their best to get through these difficult times. What we can learn from each other about resilience matters a lot; almost more in 2025 than it ever has. [24:07] RIMS Events! On September 18th, the 10th Annual Chicagoland Risk Forum will be held at The Old Post Office in Chicago. Register at ChicagoRIMS.org. [24:23] On October 1st through the 3rd, the RIMS Western Regional Conference will be held in North San Jose at the Santa Clara Marriott. The agenda is live. It looks fantastic! Visit RIMSWesternRegional.com and register today! [24:39] On November 17th and 18th, elevate your ERM Program and career at the RIMS ERM Conference 2025 in Seattle, Washington. The agenda is live, and early rates are available until September 5th. Register now to save $110 and secure your spot at the ERM event of the year. [25:01] Canadian listeners, take note, that's just a little bit South of the border in British Columbia. That's a great way to extend your knowledge after the RIMS Canada Conference. Visit RIMS.org/ERM2025 to register. [25:17] Let's Return to Our Interview with RIMS Canada Conference Keynote Amanda Lindhout!  [25:26] Understanding what resilience is is the first step in building it and accessing it. To Amanda Lindhout, resilience is an inner strength that helps a person navigate life's challenges with adaptability. It's not about navigating with hope and optimism. It's about adaptability. [26:27] We live in this ever-changing world. Day by day, what we have to face is different. Adaptability is so important. Amanda thinks that we are all born with resilience as part of our human blueprint, but most of us have not been taught how to utilize this inner resource. [26:55] Amanda thinks most people don't know how to access and utilize their resilience. Look at the statistics of poor mental health, burnout, and climbing suicide rates. It's pretty easy to see that most people don't feel like they can access their resilience. [27:16] Amanda sees resilience as inner strength. She compares it to outer strength, your physical strength. You do something again and again, and that builds muscle strength. Resilience is an inner quality, an inner resource. It also needs to be worked on to become strong. [27:57] While we're born with the ability to develop resilience, it has to be developed to be a usable skill. It takes focus to develop it. It takes intention. Most people are going to have to work at it a little to have a felt sense of their inner resilience. [28:27] In Amanda's experience, resilience is not a passive quality. It requires a choice. You have to choose to create habits that are going to support growing that inner strength. [28:46] Amanda's book talks a bit about her difficult childhood in an abusive home. People assume that gave her more resilience, but she says she had less resilience than the average person, going into her experience in Somalia, because of the difficult childhood that she had. [29:27] Much of how you see the world and can respond to challenges comes from your youngest years. If bad things happen around you and there's no adult to guide you through it to bounce back, you internalize that difficulty, and it feeds issues like depression and self-defeat. [30:03] Because of her difficult childhood, Amanda did not have a surplus of resilience, going into Somalia. But, in Somalia, Amanda discovered that, in the intense, life-or-death, trauma environment she was in, resilience was part of her blueprint. She had to learn to access it. [30:31] Amanda's first step was choosing to figure out how to access it. What gave her a sense of inner strength? What made her optimistic and hopeful? Amanda is a good example that it can be done, no matter how difficult things are. She searched daily to connect to resilience. [31:05] Despair was all around her, but there was something else there, too. She learned that two things can be true at the same time. Despair can be there, but she can, at the same time, learn to reach and grow her inner resilience. [31:33] Justin reads another passage from the book about what happens when you are alone and there are no distractions. In the month after Amanda and Nigel were separated, Amanda felt a new sort of energy. It felt physical and also not physical. [32:01] It worked for Amanda in a life-or-death situation, in a dark room, with chains on her ankles. Amanda promises that if you just say “yes” to life, no matter what comes, it opens you up to the possibility of connecting to that intrinsic, resilient part of yourself, no matter how faint. [32:43] Once you touch on it, even for a second, there are habits you can create that are going to strengthen that and make it easier to feel it. The despair may be there in the background, but you're simultaneously strengthening this other part of yourself that will carry you through. [33:01] Eventually, the despair will go away. Amanda's experience in captivity ended. It took a long time, but she came out of it. The resilient part of herself was the loudest part at that point. [33:17] Final Break! The Spencer Educational Foundation's goal to help build a talent pipeline of risk management and insurance professionals is achieved, in part, by its collaboration with risk management and insurance educators across the U.S. and Canada. [33:36] Since 1999, Spencer has awarded over $2.9 million to create more than 570 Risk Management Internships. The Internship Grants application process will open on August 15th, 2025. It will close on October 15th. [33:56] To be eligible, risk managers must be based in the U.S., Canada, or Bermuda. A link to the Internship Grants page is in this episode's show notes. You can always visit SpencerEd.org, as well. [34:10] The Spencer 2025 Funding their Future Gala will be held on Thursday, September 18th, at the Cipriani 42nd Street in Manhattan, New York. This year's honoree is Tim Ryan, the U.S. President of Lockton, and we look forward to having Tim join us here on RIMScast very soon. [34:29] A link to the Gala is also in this episode's show notes. Buy a ticket, enjoy a great night in the city, and support the future of risk management. [34:37] And Now, Let's Return to the Conclusion of My Interview with RIMS Canada Conference 2025 Keynote, Amanda Lindhout! [35:01] Amanda says she is so excited to be invited to connect with RIMS Canada! She has done a lot of keynotes around the world in something like 28 countries, sharing what she has learned. This is genuinely exciting to her. It's a room she wants to be in. [35:25] Amanda has a lot to share. Her resilience teachings come down to mastering four sequential pillars. The best time to grow the resilient streak inside of you is in the calm before the storm. Grow these qualities. When the crisis comes, you'll know how to access this. [36:18] The first pillar is Intention. Most people don't think daily about intention. Living an intentional life is so important for your mental health. For Amanda, in Somalia, and afterward, when she was struggling in the depths of PTSD, her intention was about healing. [37:01] Healing was far off on the horizon, initially, but that intention anchored everything else; all of the other actions she would take throughout the day. Is this decision in line with my intention, or is it not? [37:34] All day long, do I choose to feed the healthy parts of myself that will reorient me toward health, or do I choose the opposite? Do I choose to doomscroll on my phone and go into the dark pockets of the world, which only confirms my belief that the world is dangerous? [37:52] Or do I put my phone away and say I'm not going to go on social media today, I'm not feeling good today? I don't need to dive down that rabbit hole. [37:58] Instead, my intention to regain my health is going to guide me to consume inspiring podcasts, pick up an uplifting book, and have conversations with the people I can count on to lift me up. That overarching intention is really important. [38:21] You need to be clear and specific with yourself. What are the words of your intention? If you change your intention, then get clear about what your new intention is. It's not vague. [38:36] Then you want to cultivate your sense of Presence in your life. We are so distracted by our devices and screens. We may welcome the distraction to take us out of the moment because we have a very challenging, overwhelming world. [39:08] If you are not present in your life, you can't connect to your resilience. You can only connect to that optimism when you are in the present moment, not fearing the future or reliving the difficult past, but in the moment, orienting in your environment to what is working well. [39:40] In the present moment, choose to look around your life and say, OK, all these difficult things are happening, but there is always something to be grateful for. [39:54] Gratitude is the next pillar. Train yourself to become a grateful person by challenging yourself every day to look for things to be grateful for. With her husband, at the end of dinner, they both say something they're grateful for. Amanda started this in the worst times of captivity. [40:31] Amanda could immediately see the connection between gratitude and resilience. When you look for the good around you, you will begin to see more of it. In a dark room, chains around her ankles, Amanda could always find something to be grateful for. She could hear the birds. [41:04] You can always find things to be grateful for. It requires training your mind to look for it.  [41:11] The last pillar is Mindset. We don't have control over a lot of things. But we have complete control over our mindset, how we choose to engage with the world. In your dark days, you feel like everything is out of your control, but you always have control over your mindset. [41:43] You have control over what you orient to. Even during the worst part of her CPTSD journey, when Amanda was bedridden and homebound from overwhelm, for a couple of years after she returned home, that was when she began to go looking for her health. [43:05] Amanda had learned from Somalia that two things can be true at the same time. It was true that she had debilitating PTSD, and it was also true that there was still health in parts of her body. What she chooses to give her attention to will grow in influence over her life. [43:29] That is a choice that she has. She didn't have control in that moment over how the PTSD lived inside of her, but she had control over her orientation. What is she choosing to focus on, repeatedly? [43:45] In the dark house in Somalia, she couldn't take those chains off her ankles and leave, but she could choose to focus on things to be grateful for. This is extraordinary. You train yourself to think like this. People aren't born navigating challenges with this kind of mindset. [44:03] When you begin doing it again and again, as a practice, when difficult things come, you may wallow in it a little bit but then at a certain point, you remember, there is still choice: What can I orient to that feels good, that is uplifting, and that is healthy, even if it's a small thing? [44:23] Choose to put your attention there. That's not denying difficult things that are happening, or trying to bypass them. Recognize them as an important part of healing. Two things can be true at the same time. What you give your primary attention to will shape your reality. [44:50] Amanda's concluding words, “I feel so privileged to be able to connect with this room of people who are doing really important work. I know the work can come in many different forms, navigating all kinds of crises and risks in the world.” [45:07] “One final little piece of advice for this room of people: When you're helping someone go through a time of crisis, the most important thing you can do is to manage yourself; your nervous system.” [45:47] “That is the most effective way you can bring someone down out of a heightened state of fear and frustration. There can be a frantic quality when things are falling apart for people. The best thing you can do is be in the present moment and stay grounded.” [46:16] “There's a co-regulation that happens. Just being in that grounded state will help to de-escalate the situation and bring the other person into coherence. Coming back to your own regulation is always the best thing you can do for another person.” [46:51] Special thanks again to Amanda Lindhout for joining us here on RIMScast. To learn more about her, visit AmandaLindhout.com and check out her book, A House in the Sky. [47:02] It is an intense read, but it demonstrates her resilience and why she's going to be a great keynote for us here at the RIMS Canada Conference 2025. She'll be closing the RIMS Canada Conference 2025 on September 17th. Check it out and register at RIMSCanadaConference.ca. [47:22] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [47:50] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [48:08] 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. [48:26] 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. [48:42] 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. [48:56] 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. [49:09] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS ERM Conference 2025 — Nov. 17‒18 | RIMS Global ERM Award of Distinction 2025 Nominations Open Through Aug. 16 RIMS Canada 2025 — Sept. 14‒17 | Registration open! 10th Annual Chicagoland Risk Forum — Sept. 18 | Registration open! RIMS Western Regional — Oct 1‒3 | Bay Area, California | Registration open! RISKWORLD 2026 — Members-only early registration! Register through Sept 30! RIMS-Certified Risk Management Professional (RIMS-CRMP) The Strategic and Enterprise Risk Center Spencer Educational Foundation 2025 Funding Their Future Gala — Sept. 18, 2025 in NYC! RIMS ERM Conference 2025 — Nov 17‒18 in Seattle! [Save the Date!] RIMS-CRO Certificate in Advanced Enterprise Risk Management — Featuring Instructor James Lam! Next bi-weekly course begins Oct 9. RIMS Diversity Equity Inclusion Council RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 RIMS Risk Management magazine | Contribute RIMS Now www.AmandaLindhout.com RIMS Webinars: RIMS.org/Webinars “Lockdown & Level Up: Turn Up Your Cyber Security Game Against Creative Cyber Criminals” | Sept. 4, 2025 | Sponsored by AXA XL   Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam Prep Virtual Workshop — Sept 2-3, 2025 | Presented by RIMS and PARIMA RIMS-CRMP-FED Exam Prep Virtual Workshop — November 11‒12 Full RIMS-CRMP Prep Course Schedule “Intro to ERM for Senior Leaders” | Aug. 12‒13 | Instructor: Chris Mandel “Intro to ERM for Senior Leaders” | Nov. 4‒5 | Instructor: Elise Farnham See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes: “Leadership Lessons with Major General (Ret.) Robert F. Whittle Jr., RIMS Texas Keynote” “Live From Vancouver! with Maryam Salmasi, Fred H. 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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 Kristen Peed!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Amanda Lindhout, Expert on Resilience & Extraordinary Mindset Author: A House In The Sky   Production and engineering provided by Podfly.  

Wall Street recorded a negative session as the impact of tariffs came back into focus with US Services PMI flatlining, with businesses citing new import taxes, and corporate earnings and forecasts of Caterpillar and Yum Brands underwhelming due to tariffs. S&P 500 down 0.49%. Nasdaq down 0.65%. Dow dropped at the open, troughing in the first hour of trading, and then found strength throughout the rest of the session. Closed mid-range, down 62 points. Defensives tended to do best. Materials, REITs and Staples the top three performers. Utilities the weakest performer after consecutive days of outperformance, followed by more Growth sectors like Tech and Healthcare.ASX to rise. SPI futures up 14 points (+0.16%). Gold firm - REA NWS ResultsWant to invest with Marcus Today? The Managed Strategy Portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

Wall Street jumped, recording its best day since May 27, as investors bought into the opportunities from Friday's sell-off following weak US jobs numbers and Trump's firing of the Bureau of Labor Statistics Commissioner for producing “rigged” numbers. Shows investor appetite for risk is still there, just looking for reasons or opportunities. S&P 500 up 1.47%. Nasdaq up 1.95%. Dow jumped at the open, and remained steady throughout the day. Closed near high, up 585 points. Broad sector performance. Tech the best performer, up over 2%. Meta, Alphabet, Nvidia all gained over 3% without major news – just strong appetite to enter these names at slight discounts. Utilities and Materials also did well, easing yields helping the former, and stellar conviction in the US economy helping the latter. Healthy to see top performing sectors being a mixture of growth and defensives. At the opposite end, Energy followed oil down and Staples recorded minor losses.SPI up 88 - Gold steady - CCP ResultsWant to invest with Marcus Today? The Managed Strategy Portfolio is designed for investors seeking exposure to our strategy while we do the hard work for you. If you're looking for personal financial advice, our friends at Clime Investment Management can help. Their team of licensed advisers operates across most states, offering tailored financial planning services.  Why not sign up for a free trial? Gain access to expert insights, research, and analysis to become a better investor.

If American socialists were real, they'd love tariffs. They'd be screaming for tariffs, because tariffs are the only way to fund the utopia they claim to want. Tariffs don't chase billionaires who vanish into tax havens, and they don't raid the paychecks of workers. They're collected at the border, unavoidable, clean. You want to sell in the biggest market in the world? You pay. That revenue goes straight to the state. Under Trump, tariffs have already brought in over a hundred billion dollars and could triple that. That's real money, not theoretical “tax the rich” fantasies. Yet the very people who talk loudest about free healthcare, free universities, and social programs refuse to embrace tariffs. Why? Because Trump liked them, and that makes them evil.Critics say tariffs are a tax on consumers. Technically true, but shallow. Tariffs hit imports and the wholesalers profiting off disposable junk. Yes, prices rise, but companies also eat costs. Profit margins shrink, shareholders cry, and the 400% markups on Chinese garbage vanish. Tariffs force corporations to bleed instead of workers. Meanwhile, state revenue swells, funding services. If you care about kids drowning in student debt or clinics closing, you need revenue. Tariffs generate it without touching paychecks. They may make goods cost more, but they make services possible—and that's the trade-off.Socialism is low material, high services. You own less cheap crap, but you gain healthcare, retirement, childcare, and safety nets. You buy one TV and use it to death, one handbag, one camera. That's how Europe works: fewer goods, better services. When I lived in Germany, food was cheap, local, delicious, but electronics and furniture were expensive. Why? Because of tariffs and VAT. Germany protects its markets and funds its programs. Italy, France—same logic. They export value and block cheap washback.My friend Mark Wayne Harrison—yes, with the serial-killer middle name—said something that stuck: you can innovate your way to almost free energy, but you can't innovate your way to more materials. Energy can be hacked and scaled. Materials must be mined and refined, and there's only so much. Earth is the asteroid. Mining space is a fantasy. Materials are finite, and tariffs acknowledge that reality. They slow consumption, make people think twice, and push the market toward quality. They make domestic products competitive and fund the state without chasing ghosts.Mark even joked about building cheap Tyvek houses with infinite HVAC because energy will be free. Great, but where do 9 billion HVAC units come from? The copper, steel, plastics, rare earths? Materials are the bottleneck, not energy. And that's why tariffs matter—they align consumption with what's real.American socialists hate tariffs because they're performative capitalists. They want to want socialism, but not if it touches their portfolios or Amazon carts. They'd rather protect their 401(k)s than fund universal services. They'd rather scream about fairness than use the one policy that could deliver it. Tariffs are the only path to a high-service, low-material society. Energy may be nearly free someday, but materials never will. Tariffs admit that truth. If American socialists were real, they'd love them. But they're not, so they don't.

This episode of The New Quantum Era podcast, your host, Sebastian Hassinger, has a conversation with Dr. Charlotte Bøttcher, Assistant Professor, Stanford University. Dr. Bøttcher is an experimental physicist working with superconducting quantum devices, and shares with us her areas of focus and perspective on this critical area of materials research for quantum information science and technology. Episode HighlightsMeet Dr. Charlotte Bøttcher: Dr. Bøttcher shares her journey from Harvard (PhD) and Yale (postdoc with Michel Devoret) to launching her own experimental quantum materials group at Stanford. She discusses the excitement (and challenges) of building a new research lab from scratch.Hybrid Quantum Material Systems: The heart of the conversation centers on hybrid systems combining superconductors (aluminum) with semiconductors (indium arsenide). These materials pave the way for:Tunable and switchable superconductivity—the foundation for switchable quantum devices and potential advances in quantum information technology.Probing unconventional and topological superconductors, with implications for fundamental physics and exotic quantum states.Applications in Quantum Computing:Superconductivity plays a crucial role not only in qubits themselves but also in creating tunable couplers between qubits, allowing for controlled entanglement and reduced crosstalk.High-Tc superconductors (those with high critical temperatures) are discussed, including their complex, often disordered behavior—and their challenges and potential in qubit applications.Quantum Simulation and Sensing: Dr. Bøttcher describes her group's efforts to use devices for simulating complex many-body quantum systems, including both bosonic and fermionic Hamiltonians. Quantum devices are also used for quantum sensing—detecting magnetic fields, charge, or collective modes in exotic materials (such as uranium-based superconductors).Controlling Disorder: The episode explores how adjusting electron carrier density can expose or screen disorder in materials, enabling the study of its effects on quantum properties.Building a New Lab: Charlotte highlights the rewarding process of establishing her own experimental lab and mentoring the next generation of quantum scientists.Fundamental Science vs. Application: Dr. Bøttcher emphasizes the synergy between foundational quantum research and technological development—the pursuit of basic understanding feeds directly into better qubits and devices, which in turn open new avenues for exploring quantum phenomena.Future Directions: Looking ahead, her group aims to develop new superconducting qubits capable of operating at higher temperatures and frequencies, expand their quantum simulation platforms, and continue collaborations with Yale and others. The quest for phenomena like Majorana fermions and the exploration of topological phases remain part of her group's broader experimental frontier.Key Quotes “Combining superconductors and semiconductors gives us not just new functionality for quantum technology but also lets us explore fundamental questions about exotic states of matter.” – Charlotte Bøttcher “Building a lab from scratch is a lot of work, but every day is exciting. Working with students and starting new experiments is incredibly rewarding.” – Charlotte BøttcherTune in for a deep dive into hybrid materials, quantum simulation, and the inner workings of a cutting-edge quantum materials lab at Stanford!For more episodes: Visit newquantumera.comThanks to the American Physical Society (APS) for supporting this episode.

This Podcast Is Episode 639, And It's About Pillar 3: Delivering Construction Projects Profitably A Construction Bookkeeper's Guide to Smarter Production for Small Contractors You've done the hard work: marketed your services, landed the job, and priced it to make a solid profit. But here's where a lot of small construction businesses lose money—even after doing everything right up to this point.   That moment is project execution—or what we in the business world call production.   As construction bookkeeping specialists, we've seen many jobs transition from profitable to painful simply because the contractor lacked systems in place to track costs, manage scope, or control labor once the work commenced.   Let's discuss Pillar 3: Delivering Projects Profitably, and how refining your production process can safeguard your profits, enhance your reputation, and alleviate stress.    Why "Doing the Work" Isn't Enough Many contractors assume that once the job starts, the hard part is over. But production is where the majority of the risk lives: Labor costs can balloon Materials may get wasted or delayed Clients can change their minds mid-project Subcontractors may not show up when they're supposed to Scope creep can kill your margins without you realizing it From a bookkeeper's point of view, this is when the numbers begin to go awry. Profitability doesn't just come from winning jobs—it comes from controlling how they're delivered. What "Delivering Profitably" Actually Means To deliver projects profitably, you need to finish the job: On budget On schedule With the client happy enough to pay (and refer you) It's not just about good craftsmanship. It's about project management. Whether you're a solo operator or have a small team, production needs structure. Fortunately, it doesn't need to be complicated. Where Small Contractors Lose Profit During Production Before we dive into solutions, let's look at where money is most often lost on the job site: 1. Untracked Labor If you don't know how many hours you or your crew are spending on a job, you can't compare it to your estimate. It's one of the most common profit-killers we see in the books. 2. Material Overruns Materials get lost, over-ordered, or wasted—especially if you're not reconciling purchases to job estimates. 3. Unbilled Change Orders Clients often add or alter project elements. If those changes aren't documented and billed, you're giving away free work. 4. Delays and Downtime Time is money. Waiting on materials, subs, or client decisions can derail your schedule and cost you future jobs. 5. Scope Creep "Can you just add this one little thing?" becomes a margin-eating monster when not adequately managed. Now, let's talk about how to prevent those losses and protect your bottom line. 7 Ways to Deliver Projects More Profitably 1. Start with a Clear Scope and Signed Agreement It may sound simple, but many contractors begin work without a detailed, signed agreement. You need: A detailed scope of work Payment milestones A change order policy Completion criteria This sets expectations and gives you leverage when things change (and they will). 2. Create a Simple Project Timeline Even a basic calendar or whiteboard showing: Job phases Material delivery dates Key milestones can help you stay on track and manage client expectations. Suppose you're using software like Buildertrend or Jobber, great. If not, even a shared Google Sheet can work. The goal is visibility. 3. Track Labor in Real Time You can't manage what you don't measure. Use time tracking tools (like ClockShark or QuickBooks Time), or even a shared text log, to record: Who worked For how long On which part of the job This allows you (and your bookkeeper) to identify when jobs are dragging and compare actual versus estimated hours. 4. Monitor Materials Closely Set up a simple system to: Track what materials were ordered Match receipts to jobs Avoid duplicate purchases If you have frequent material overruns, your bookkeeper can help you adjust future estimates and avoid surprises. 5. Enforce a Change Order Policy This one is HUGE. Every time a client asks for something outside the original scope, pause and issue a change order. Even a one-page form signed via email or a mobile app is sufficient. Change orders should: Define the change List any added costs or time Be signed before work continues When this is routine, you stop giving away "just one more thing" for free. 6. Communicate Early and Often Most client disputes happen when they're left in the dark. Set the standard for regular updates: A weekly progress email A shared photo log A short call every Friday This maintains high trust and prevents minor issues from escalating into unpaid invoices or negative reviews. 7. Review Project Profitability After Completion After every project, sit down with your bookkeeper (or even just your notes) and ask: What was the estimated vs. actual cost? Where did we exceed our budget or deadline? Did we bill for all extras? What should we do differently next time? This post-job review turns every project into a learning tool that improves your future estimates, planning, and pricing. Where Bookkeeping Supports Better Production As your construction bookkeeping specialists, we can help you: Track job costs accurately during the project Alert you when a job is going over budget Ensure change orders are captured and billed Break down labor and materials per project Provide job-by-job profit reports In short, good production data = good financial reporting. And when we work together, we can spot patterns that help you grow smarter. The Results of Controlled Production When you focus on project delivery as intentionally as marketing and money management, you'll start to see: Jobs finishing on time Less rework and missed items Higher profit margins Happier clients (which means more referrals) Reduced stress and better control of your schedule Over time, this builds a reputation that attracts higher-quality clients, enabling you to raise your rates with confidence. Final Thoughts Build Systems, Not Just Projects You know how to build a deck, remodel a kitchen, or manage a crew. But your business needs structure, too. When you build systems around how you deliver your work, you reduce chaos and protect your profits. Pillar 3: Production isn't about doing more—it's about doing smarter. With a bit of planning, tracking, and review, you can make every job a stepping stone to a stronger, more profitable business. Want Help Tracking Job Profitability? If you're tired of guessing how much money you're really making on each job, we can help you set up: Job costing systems Labor and material tracking Change order logs Profit and loss reports per project Let's get your numbers working for you. Book a free consultation today and let's build better systems together—so you can build a better business.

The ASX 200 couldn't reach a new record, but did end higher across the month.See omnystudio.com/listener for privacy information.

Welcome to the Luxury Outdoor Living Podcast with Mike and Trey Farley from Farley Pool Designs. In this episode they discuss the importance and benefits of outdoor bathrooms, showers and bath tubs in enhancing backyard retreats. They explore the concept's appeal, addressing common homeowner concerns, and explaining the detailed planning and costs. The episode covers different types of outdoor bathroom setups, from basic sinks to elaborate wellness centers with showers, bathtubs, and saunas. The Farleys also highlight practical considerations like plumbing, heating, and weatherproofing. Additionally, they examine design trends and material choices for creating functional yet luxurious outdoor spaces. Tune in to gain expert insights and tips on transforming your backyard into a personal paradise.   Discover more: https://www.farleypooldesigns.com/ https://www.instagram.com/farleydesigns/ https://www.instagram.com/luxuryoutdoorlivingpodcast/ https://www.instagram.com/poolzila/   00:00 Welcome to Luxury Outdoor Living 01:17 Understanding Outdoor Bathrooms 02:01 Designing the Perfect Outdoor Bathroom 05:15 Plumbing and Construction Considerations 18:26 Materials and Maintenance Tips 24:14 Incorporating Wellness and Additional Features 27:11 BBQ Bits: Bromic Gas Heaters 32:56 Outdoor Bathroom Codes and Considerations 34:06 The Appeal of Outdoor Showers 37:02 Outdoor Shower Practicalities and Challenges 45:05 Exploring Outdoor Bathtubs 52:33 Creating a Relaxing Outdoor Bath Environment 58:23 Conclusion and Viewer Engagement  

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Thomas Brandt, Chief Risk Officer of the Federal Retirement Thrift Investment Board (FRTIB) and one of the 2024 RIMS ERM Award of Distinction winners. Thomas shares some of his experiences at the IRS, where he won the 2021 RIMS ERM Award of Distinction, and how he moved from the IRS to join the FRTIB. Tom covers how he successfully integrated strategy and ERM at the FRTIB. He tells how the FRTIB moved from a high-level to a medium-level cyber risk posture, with improved Federal Information Security Modernization Act (FISMA) scores. Tom shares how the FRTIB  works with a managed services model in a way that's scalable and sustainable. Tom relates his views on risk culture and the portfolio view that a mature ERM program supports.   Listen to learn how to nominate your organization's ERM Program for the RIMS ERM  Award of Distinction.   Key Takeaways: [:01] About RIMS and RIMScast. [:14] RIMScast is a proud nominee of the 20th Annual People's Choice Podcast Awards. We are nominated in the category of Government and Organizations, and we would appreciate your support. [:26] Help us win that award by visiting PodcastAwards.com and the link in this episode's notes.  [:36] About this episode of RIMScast. We will be joined by Thomas Brandt, Chief Risk Officer of the Federal Retirement Thrift Investment Board and one of the 2024 RIMS ERM Award of Distinction winners. [1:05] RIMS-CRMP Workshops! The next Virtual RIMS-CRMP exam prep, co-hosted by Parima, will be held on September 2nd and 3rd. [1:17] The next RIMS-CRMP-FED virtual workshop will be held on November 11th and 12th, and led by Joseph Mayo. Links to these courses can be found on the Certification Page of RIMS.org and through this episode's show notes. [1:34] RIMS Virtual Workshops! On August 5th, we have a day-long course about “Emerging Risks.” [1:42] RIMS has launched a new course, “Intro to ERM for Senior Leaders.” This is a two-day course. The first two-day course will be held on August 12th and 13th and will be led by former RIMS President, Chris Mandel. [1:56] The course will be held again on November 4th and 5th and will be led by Elise Farnham. RIMS members enjoy deep discounts! [2:05] The full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's notes. [2:17] Mark your calendars for November 17th and 18th for the RIMS ERM Conference 2025 in Seattle, Washington. The agenda is jam-packed with educational sessions that will resonate with risk practitioners at all stages of their careers. [2:38] See the full agenda at RIMS.org/ERM2025. Nominations are open for the RIMS Global ERM Award of Distinction 2025. The nomination deadline is Saturday, August 16th. The award is presented annually at the RIMS ERM Conference. There is a link in this episode's show notes. [3:05] If your organization's ERM program or one you know of deserves this recognition, we want to hear about it. Remember to send in that nomination form by August 16th. [3:16] RISKWORLD 2026 will be in Philadelphia, Pennsylvania, from May 3rd through May 6th. RIMS members can now lock in the 2025 rate for a full conference pass to RISKWORLD 2026 when registering by September 30th. [3:31] This also lets you enjoy earlier access to the RISKWORLD hotel block. Register by September 30th, and you will also be entered to win a $500 raffle. Don't miss out on this chance to plan and score some extra perks. [3:44] The members-only registration link is in this episode's show notes. If you are not yet a member, this is the time to join us. Visit RIMS.org/membership and build your risk network with us here at RIMS. [3:58] On with the show! Our guest today is one of the winners of the 2024 RIMS ERM Award of Distinction. He is also the Chief Risk Officer for the Federal Retirement Thrift Investment Board (FRTIB). [4:15] Tom Brandt is here to discuss ERM and how it has been a guiding light throughout his risk career, which includes several years at the IRS. He recently participated in the RIMS ERM Q&A Series, and we're going to extend the dialogue beyond those digital pages, so let's get to it. [4:35] Interview! Tom Brandt, welcome to RIMScast! [4:42] At long last, Tom Brandt is here on RIMScast! Tom is one of the members of the Strategic and Enterprise Risk Management Council and one of the recipients of the 2024 ERM Award of Distinction. There's so much to discuss when it comes to ERM! Tom loves ERM. [5:18] Tom was also a 2021 ERM Award of Distinction recipient for his work at the IRS, where he worked for about 27 years, for the last eight of which, he was their Chief Risk Officer. There, he got into the whole ERM space. [5:38] Then, in late 2021, an opportunity opened at the Federal Retirement Thrift Investment Board (FRTIB), and Tom took on the role of Chief Risk Officer. He enjoys the opportunity to work in a small organization with a different focus. [5:55] The FRTIB is sort of the 401(k) for federal employees and uniformed services. They have a singular mission around that plan. [6:13] Tom was brought into the FRTIB to integrate strategy and ERM. He stresses the importance of linking risk and strategy. When Tom started, the offices of Enterprise Planning and Enterprise Risk had just been brought together. [6:51] They were looking for the first Director of Planning and Risk/CRO. Tom applied and was selected for the role. Even though it's a small agency of 250, those functions had been siloed. [7:07] Tom's first area of focus was getting the staff to know each other and learn more about what each process entailed, and then working with the team to look at how to bring these processes together. [7:23] Tom says, when we're identifying risks and needing to mitigate risks, the next question is, where do we get the resources? When the process is not integrated into your planning and budgeting process, that becomes very challenging. [7:36] As we go through our annual planning process, we work with our business offices, and if they're risk owners, we talk about what risks they are managing or mitigating, and if there are related initiatives or resources needed. [7:51] That information gets captured in the annual plan and becomes an input to the budget process. We're not only raising the risks and talking about them, but also identifying initiatives and getting funding, support, and resources to manage and mitigate those risks. [8:16] Tom's risk group has seven or eight people. They also do internal controls, policies, and procedures. They are the agency's anti-fraud group. They do brand monitoring and run the third-party risk monitoring program. They do work beyond the enterprise risk component. [8:51] The FRTIB moved from a high-level to a medium-level cyber risk posture, which improved Federal Information Security Modernization Act (FISMA) scores. FISMA is an annual cybersecurity audit of federal organizations. [9:27] Years ago, the FRTIB was scoring in the 1s and 2s on most domains in this audit, out of a possible score of 5. That coincided with cybersecurity being one of the FRTIB's high risks. They needed to put in place better governance and protections. [9:53] Because cybersecurity had been one of the FRTIB's high risks, they require any of their enterprise risks that are medium high or higher to have a risk treatment plan. They work with their CISO and the cyber team to develop risk treatment plans each year. [10:08] The risk treatment plans identify resource needs and specific areas of focus. They use the FISMA domains, questions, and assessment criteria to keep in mind where they need to shore things up. [10:20] Justin clarifies that FISMA, the Federal Information Security Modernization Act, is a U.S. Federal law that requires federal agencies to develop a document and implement information security programs to protect government information. [10:36] Tom remarks that as a result of great work done by the CISO and the cyber team, the FRTIB scored a 5 in each domain on their 2024 FISMA audit. That moved the cybersecurity risk score down. It's still at a medium level because the threat landscape continues to evolve. [10:56] Threat actors are always out there, trying to stay one step ahead of you, so you have to stay on your game to get ahead of them. [11:15] The cyber threat is so significant that collectively, we all need to be working as hard as we can to maintain our defenses. Tom says the CISO community is working together to integrate the latest technology and developments and understand where the threat is. [11:49] The CISO community is staying on top of what's happening in the AI space to be able to share good practices across agencies and ensure that our posture government-wide is as strong as possible in detecting and preventing the cyber threat. [12:06] One of the strategic goals for FRTIB is the managed services model. Tom speaks about assessing and monitoring third-party and vendor risks in a way that's scalable and sustainable. [12:18] When Tom moved into his position, in December 2021, the agency was about six months away from implementing that managed services model for their record-keeping service. Record keeping is a huge part of the FRTIB's work. They have almost 7.5 million participants. [12:36] Managing participant transactions and keeping their information is a core responsibility for the agency. They were moving to a managed service model. [12:48] When you shift to that type of model, you don't give up accountability and responsibility for the program. You work with a provider. The Agency needed to look at what its mechanism for oversight was, to manage and understand third-party risk. [13:06] The Agency had some capabilities in place for vendor monitoring and supply chain risk management. Tom's area of focus was to build up the third-party risk management program. [13:18] Tom did a maturity assessment to compare what they were doing to good practices and look for opportunities to enhance their capabilities. He brought in some services from external providers to help with access to data about the performance of third-party services. [13:42] Quarterly, Tom reports to the FRTIB board on their top vendors, their overall operations, whether there are any risks he has concerns about, and if so, what is being done to address those risks. That has helped to put in place a strong third-party risk management program. [14:03] When Tom joined the FRTIB, his predecessor had already built a strong, mature ERM program. There was a repeatable process in place with a risk register and a risk profile. [14:22] The opportunity was in integrating risk with planning and looking at how to enhance the program and bring it to the next level of maturity and build out that third-party risk management monitoring capability.  [14:42] RIMS Events! The very first RIMS Texas Regional Conference will be held from August 4th through August 6th in San Antonio at the Henry B. González Convention Center. Public registration is open. The full conference agenda is live, so you can start planning. [15:00] Don't miss the post-conference workshop, the RIMS-CRMP Exam Prep course available on-site. This event is open to any RIMS chapter member. [15:10] If you are local to the area, you might consider becoming a RIMS member today so you can get all the benefits and begin networking with your new RIMS Texas peers. Visit RIMS.org/TexasRegional. [15:22] Just a month later, we will be up North for the RIMS Canada Conference 2025, which will be held from September 14th through the 17th in Calgary. Registration is open. Visit RIMSCanadaConference.ca and lock in those favorable rates. We look forward to seeing you! [15:41] On September 18th, the 10th Annual Chicagoland Risk Forum will be held at The Old Post Office in Chicago. Register at ChicagoRIMS.org. [15:52] Also on September 18th, the Spencer Educational Foundation will host the 2025 Funding Their Future Gala at the Cipriani 42nd Street. Visit SpencerEd.org. [16:03] On October 1st through the 3rd, the RIMS Western Regional Conference will be held in North San Jose at the Santa Clara Marriott. The agenda is live. It looks fantastic! Visit RIMSWesternRegional.com and register today! [16:20] Let's Return to My Interview with RIMS 2024 ERM Award of Distinction Winner, Tom Brandt! [16:37] Shortly after Tom won the 2021 ERM Award of Distinction, along with Melissa Reynard, for his work with the IRS, he left to go to the FRTIB. Tom talks about the switch. [16:57] Tom had a great career with the IRS. He had a range of different roles and responsibilities. For his last eight years with the IRS, he was the CRO. [17:23] Tom was ready to make a change. He learned about the opportunity at FRTIB to help them bring risk and strategy programs into one department. He was happy to be selected and see the value of having risk and strategy come together. [18:12] Tom was the second CRO at the IRS. In 2013, the IRS had a crisis, so they brought in a CRO from the GAO for about a year. Tom had been doing risk work in one of the business units of the IRS. He was chosen for the CRO position in 2014. [18:50] The IRS crisis in 2013 related to concerns about how the agency had been handling applications for tax-exempt status. It led to Congressional hearings and IRS leadership changes. [19:04] Before going to the FRTIB, Tom was contacted by a recruiter. Someone in the risk community knew of the position and suggested Tom for it. He's thankful he was contacted because it has turned out to be an excellent opportunity. [19:35] Through RIMS, Tom connects with public and private sector colleagues. He sees a lot of similarities. The public sector has been practicing ERM for just under a decade. [20:16] The most essential ingredient in ERM is leadership support. Tom has support at FRTIB from leadership and the Board. Without leadership support, ERM is a compliance exercise. If ERM is truly leveraged, it can add a lot of value. [20.42] Tom thinks we're seeing too many instances where organizations have not had robust risk programs and have had risk events that could have been prevented or had the impact lessened, had they had a risk program.  [21:02] Tom thinks the challenge in the public sector is that there isn't much room for government error. Anything that doesn't go according to plan tends to get attention. [21:22] That oversight creates an environment that tends to be more risk-averse. That's not the way we want to run our risk program, because we want to take advantage of the opportunity that risk prevents, but it's a factor of the environment we operate in. [21:44] Part of what led to the establishment of the IRS ERM program was the 2013 crisis and an after-event assessment of what went wrong. Bad news didn't make it to the top quickly enough. Information that leadership should have been made aware of didn't get there in time. [22:05] As a result, issues and problems were allowed to fester and go out of control. In the IRS, people took a lot of pride in fixing and solving their problems. Sometimes you don't have a lot of time to fix an issue before it goes sideways. [22:41] A real benefit from sharing information is that often you can find other parts of the organization that can help because they've experienced a similar type of issue. They might have additional resources. Ignoring or hiding the problem doesn't make it go away. [23:01] The key value of ERM is creating a culture where people are willing to speak up, information gets escalated quickly, and you're able to bring the right people and resources together to work collectively to manage and mitigate those risks. [23:15] At FRTIB, Tom focuses on creating an environment where people feel comfortable speaking about risk, where it's part of the regular way they operate. [23:32] Since starting in risk many years ago and working with his teams, Tom's approach has been doing risk with offices and not doing risk to offices. He wanted to meet them where they were, understand where they needed help, and nudge them, rather than drag them, along. [24:00] Tom says take time to understand the organization, the unique needs of each office, and work with them to help manage and mitigate a risk, versus trying to force something on them. [24:18] A Quick Plug! If you tuned in to the recent episode featuring James Lam, you will know he is hosting a new six-module workshop for us, the “RIMS-CRO Certificate in Advanced Enterprise Risk Management”. [24:33] The inaugural summer course is completely sold out! We are filled to the virtual capacity! Don't worry, in the Fall, the bi-weekly course will begin on October 9th. Registration closes on October 2nd. A link is in this episode's notes. Check it out and register today! [24:52] If you're getting inspired by Tom Brandt and his ERM Award of Distinction win, remember that nominations are now open for the ERM Award of Distinction 2025. Be sure to listen closely for the tips that he offers about what makes a strong nomination! [25:10] The link to the nomination form is in this episode's show notes. Good luck! [25:13] Let's Return to the Conclusion of My Interview with Tom Brandt! [25:18] Before becoming the CRO at the IRS, Tom was the Director of Planning and Research for the Large Business and International Division with responsibility for case selection, determining risk on corporate and international tax returns, and which ones should be selected for audit. [25:52] This was a compliance risk experience. That provided the stepping stone to take on a more strategic, operational view of risk within the division. When the broader CRO opportunity became available at the IRS, he was considered and ultimately selected for that position. [26:14] Tom's view of risk has evolved. Within a business unit, he focused on the day-to-day operational and compliance risk. He didn't take a view of the whole organization or what choices he made for his unit ight create risk for another part of the organization. [26:51] It's a real value for ERM to have a portfolio view of the most critical risks across the organization, and understanding how actions to address risks in one area could create or exacerbate a risk somewhere else. [27:08] Tom tells of reputational risk. Sometimes decisions don't factor in how they will be perceived. Tom helped people at the IRS understand reputational risk and the stakeholders they may need to engage to help them understand why particular decisions are made. [28:22] Tom shares advice for nominating an ERM Program for the ERM Award of Distinction. What are the results? What are the outcomes that the program accomplished that you can talk about? How did ERM help the organization? What value did it bring? [29:07] Take an example of something you can share, and explain how ERM was able to surface the risk and bring the right people together to help with that risk and help the organization. [29:24] It's critical to have letters of recommendation. At the IRS, Tom had two Deputy Commissioners write letters about what they saw as the value that ERM brought to the agency. [29:42] At FRTIB, Tom had letters from the Executive Director and a member of its Board, who had served for over a decade and had historical knowledge of how ERM had helped the Agency. [30:04] Tom notes that the process of going through the application is a great learning opportunity to reflect on accomplishments as well as areas of remaining opportunity. [30:17] If you are fortunate enough to be selected to receive recognition, it's a great way to recognize the team. Tom used the Awards to recognize his teams at the IRS and at FRTIB, who are the ones who make all of this possible. The recognition turns out to be great kudos for them. [30:41] You can learn more about Tom's achievements through the links on this episode's show notes, which feature his recent ERM Q&A from 2025. I've also included one with his former coworker from the IRS, Melissa Reynard, from 2022. [30:58] This should give you a great sense of not just the great work that Tom has done but also, what it takes to have your nomination seen and heard and get the recognition that you deserve. [31:13] Tom, it's been great getting to know you these past few years, and I look forward to seeing you in Seattle. Thank you for joining us here on RIMScast! [31:32] Special thanks again to Tom Brandt for joining us here on RIMScast. Be sure to check out the links in this episode's show notes for recent ERM Q&A interviews about his work with the FRTIB. [31:46] Tom is a recipient of the RIMS ERM Award of Distinction. The Call for Nominations is open through August 16th. Check this episode's show notes for the link and details. [32:00] The Awards will be presented at the RIMS ERM Conference 2025, November 17th and 18th in Seattle. A link to that event is also on this page. [32:08] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [32:36] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [32:54] 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. [33:12] 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. [33:29] 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. [33:43] Justin Smulison is the Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [33:50] Thank you all for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe!   Links: 20th Annual People's Choice Podcast Awards! Vote for RIMScast (Gov't & Organizations) To vote for RIMScast, please sign up with your email, then select RIMScast on the pulldown under Government and Organizations. Thank you! RIMS ERM Conference 2025 — Nov. 17‒18 | RIMS Global ERM Award of Distinction 2025 Nominations Open Through Aug. 16 “Embedding ERM Into One of the World's Largest Retirement Programs.” — RIMS Interview with Tom Brandt (2025) RIMS Texas Regional 2025 — August 3‒5 | Registration open. RIMS-CRMP In-Person Workshop in Texas Aug. 6 & 7 RIMS Canada 2025 — Sept. 14‒17 | Registration open! 10th Annual Chicagoland Risk Forum — Sept. 18 | Registration open! RIMS Western Regional — Oct 1‒3 | Bay Area, California | Registration open! RISKWORLD 2026 — Members-only early registration! Register through Sept 30! RIMS-Certified Risk Management Professional (RIMS-CRMP) The Strategic and Enterprise Risk Center Spencer Educational Foundation 2025 Funding Their Future Gala — Sept. 18, 2025, in NYC! RIMS ERM Conference 2025 — Nov 17‒18 in Seattle! [Save the Date!] RIMS-CRO Certificate in Advanced Enterprise Risk Management — Featuring Instructor James Lam! Summer course sold out! | Next bi-weekly course begins Oct 9. RIMS Diversity Equity Inclusion Council RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 RIMS Risk Management magazine | Contribute RIMS Now RIMS Webinars: RIMS.org/Webinars   Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam Prep Virtual Workshop — Sept 2‒3, 2025 | Presented by RIMS and PARIMA RIMS-CRMP-FED Exam Prep Virtual Workshop — November 11‒12 Full RIMS-CRMP Prep Course Schedule “Emerging Risks” | Aug 5 | Instructor: Joe Mayo “Intro to ERM for Senior Leaders” | Aug. 12‒13 | Instructor: Chris Mandel “Intro to ERM for Senior Leaders” | Nov. 4‒5 | Instructor: Elise Farnham See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes: “Risk and Clarity with Huw Edwards, RIMS Texas Keynote” “James Lam on ERM, Strategy, and the Modern CRO” “ERM, Retail, and Risk with Jeff Strege” “Bigger Risks with the Texas State Office of Risk Management” | Sponsored By Hillwood “ERMotivation with Carrie Frandsen, RIMS-CRMP” “Live from the ERM Conference 2024 in Boston!” “Risk Quantification Through Value-Based Frameworks”   Sponsored RIMScast Episodes: “The New Reality of Risk Engineering: From Code Compliance to Resilience” | Sponsored by AXA XL (New!) “Change Management: AI's Role in Loss Control and Property Insurance” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Demystifying Multinational Fronting Insurance Programs” | Sponsored by Zurich “Understanding Third-Party Litigation Funding” | Sponsored by Zurich “What Risk Managers Can Learn From School Shootings” | Sponsored by Merrill Herzog “Simplifying the Challenges of OSHA Recordkeeping” | Sponsored by Medcor “Risk Management in a Changing World: A Deep Dive into AXA's 2024 Future Risks Report” | Sponsored by AXA XL “How Insurance Builds Resilience Against An Active Assailant Attack” | Sponsored by Merrill Herzog “Third-Party and Cyber Risk Management Tips” | Sponsored by Alliant “RMIS Innovation with Archer” | Sponsored by Archer “Navigating Commercial Property Risks with Captives” | Sponsored by Zurich “Breaking Down Silos: AXA XL's New Approach to Casualty Insurance” | Sponsored by AXA XL “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Partnering Against Cyberrisk” | Sponsored by AXA XL “Harnessing the Power of Data and Analytics for Effective Risk Management” | Sponsored by Marsh “Accident Prevention — The Winning Formula For Construction and Insurance” | Sponsored by Otoos “Platinum Protection: Underwriting and Risk Engineering's Role in Protecting Commercial Properties” | Sponsored by AXA XL “Elevating RMIS — The Archer Way” | Sponsored by Archer   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Kristen Peed!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Thomas Brandt, Chief Risk Officer at the Federal Retirement Thrift Investment Board   Production and engineering provided by Podfly.  

Pete Woodland is an incredible bowyer based on Vancouver Island in British Columbia, nestled in a Douglas fir forest on the Saanich Peninsula. Pete was spellbound by the first primitive bow he ever saw: a Pacific yew flatbow carved by master bowyer Andreas Uetendorfer, a family friend who spent much of his life in Haida Gwaii, a legendary archipelago off the coast of Northern British Columbia. Pete has since become a master bowyer in his own right, selling his bows under the brand name of Heritage Bows and offering intimate bow carving workshops. In addition to his passion for bow carving and archery, Pete is obsessed with bonsai, the Japanese art of growing miniature trees, and has dozens of bonsai trees growing on his property.  Please enjoy this episode of Project Quiver on Salish Wolf with Pete Woodland.          Episode Links: http://heritagebows.com/ https://www.instagram.com/heritagebows/ Project Quiver at Anchor Point ExpeditionsSummary:In this conversation, Pete Woodland and I delve into the intricate world of bow making, sharing our experiences, techniques, and the cultural significance behind the craft. We discuss various bow styles, materials, and the creative process involved in crafting bows. We explore the multifaceted world of archery, discussing its therapeutic benefits, the meditative aspects of shooting, and the intricate physics behind bow making. We also delve into the artistry of woodworking, Pete's passion for bonsai, and the importance of community and collaboration among bow makers. Show Notes:TakeawaysThe journey of bow making is filled with unexpected experiences.Different bow styles and techniques can enhance performance.The creative process is as important as the final product.Materials used in bow making significantly impact performance.Cultural influences shape the design and function of bows.Workshops provide an opportunity for community engagement.Social media plays a crucial role in promoting bow making.Personal stories and connections enrich the bow making experience.Experimentation is key to evolving as a bow maker.Understanding the relationship between bow making and the ecosystem is vital. Archery serves as a powerful therapeutic tool for many, including those with PTSD.Shooting a bow can be a form of meditation, providing mental clarity and focus.The physics of archery involves fascinating concepts like the Archer's Paradox.Crafting bows is an art that combines woodworking skills with creativity.Bonsai cultivation reflects a deep appreciation for nature and ancient trees.Collaboration among bow makers fosters innovation and community.Exploring different bow styles can enhance one's skills and understanding of archery.The journey of bow making is intertwined with personal growth and exploration.Archery can be a healing practice, promoting mindfulness and relaxation.Engaging in hands-on crafts like bow making is essential for personal fulfillment. Chapters:00:00 The Journey of Bow Making Begins03:54 Exploring Bow Styles and Techniques06:49 The Influence of Wood on Bow Design09:36 Innovations in Bow Making12:28 Cultural Significance of Bow Styles15:25 Personal Experiences in Bow Making18:12 The Evolution of Bow Making Skills21:04 The Future of Bow Making25:57 The Journey of Bow Making30:16 Workshops and Community Engagement34:43 The Art of Bow Making vs. Custom Orders37:40 Archery as Meditation and Empowerment44:00 Balancing Life: From Bow Making to Landscaping46:06 The Passion for Bonsai and Nature47:47 The Essence of Bonsai50:12 Artistry in Bow Making51:30 Collaboration and Community in Craftsmanship52:03 The Connection Between Hunting and Bonsai53:23 Exploring Leather Work in Bow Making55:39 Sourcing Materials for Crafting57:16 Innovations in Bow Styles01:00:47 The Journey of Bow Making Across Cultures01:04:13 The Vision for Future Projects01:06:00 The Therapeutic Aspects of Archery

#294nd for 24th of July, 2025 or 3311! (33-Oh-Leven, not Oh-Eleven, OH-Leven)http://loosescrewsed.comJoin us on discord! And check out the merch store! PROMO CODEShttps://discord.gg/3Vfap47ReaSupport us on Patreon: https://www.patreon.com/LooseScrewsEDSquad Update: It's been one week since anyone said on this weekly podcast that the BGS is broken. The 4 Horsemen ride through Screwspace - War, Famine, Plague and Lockdowns. War in BD+49 3937 for control - we're up 2-1 as of recordingWar in 5 Andromeda - 0-0 for 2nd and Kovalevski Orbital - a juicy prizeOutbreak in Kaupatak, Famine and Civil Unrest in Medzisti, and a Lockdown in Miola!Operation Keg Stand in FZ Andromedae has entered an undermining phase as Antal and we're looking to push it into a boom state. The Tartan Spartans have waged war on our ally the Order of the Sepulchre in the western Piscium sector, we sent an expeditionary force in supportWe're in 260 star systems, 71 controlled, 198 stations, 329 settlements, 95 installations, and a megashipPowerPlay Update: - Cycle 39Baromir has been planting cabbages and has neglected his duties this weekKruger 5's Power Rankings - https://k5elite.com/ Niceygy's Power Points - https://elite.niceygy.net/powerpointsFind out more in the LSN-powerplay-hub forum channel.Galnet Update: https://community.elitedangerous.com/The Panther Clipper Launched 7/22/11. **Nice Rack** - New hauling CG to restock Trailblazer Megaships - Deliver Titanium, Aluminum (not Alumin-i-um ya limey fecks), CMM Composite and Steel to Starlace station in Minerva at 10x galactic average price. For participation you get a red metallic Brewer sticker, credits and engineered class 5 and class 6 cargo racks that are bigger on the inside. If you're in the top 75% you will get an additional set of size 5 and 6 cargo racks. Class 5 will hold 43 instead of 32 Tonnes and Class 6s will hold 86 instead of 64. Dev News: 7/22/25 - A release video droppedUpdate notes - Panther Clipper Holoscreen ads, topside hardpoint adjustments since Partner Early Access Program, ship does not rise when deploying SRVs; Corsair Thrust Vectoring fixed; a number of Trailblazer fixes, Power CZs still not fixed.Pulse Paintjobs on saleI think there's a FU next Wednesday, the 30th. Discussion:The Frog Elephant in the Room - The Panther Clipper!Tracks's Ship Museum - The SCO drive, non-Euclidian cargo racks, ship power creep, even the Regulation Cobra Mk. III being replaced with a regulation Mk. V for Buckyball. Are old ships obsolete, or do they still have a place in the game? Community Corner:Alec Turner posted a new trailer for the Drakhyr Rally - an SRV rally race. August 10th 33-Oh-leven. Sign up here: https://forms.gle/8SB48QH3aqPeaKJR7 The Final leaderboards for the 10K the Buckyball Way - Shaye Blackwood won the Regulation Cobra Mk. V category and Darplata94 won the unlimited category in his Mandalay, ‘Like a Bat.'Burr Pit is planning another ‘Pie In' - Pie Hard: With a Vengance -It is on Saturday - 7/26 at 1800 UTC - basically it's a ‘hauling CG' for their Bakery colony in HIP 106080. Materials will be announced at 1745 UTCupvote this and add your voice. It's like 39 weeks in. That's at least 35 weeks late on the fix. The issue has expired and been reposted more than once. Make them pay attention. https://issues.frontierstore.net/issue-detail/70594Wrap Up: http://loosescrewsed.comJoin us on discord! And check out the merch store! PROMO CODEShttps://discord.gg/3Vfap47ReaSupport us on Patreon: https://www.patreon.com/LooseScrewsED

From carbon nanotubes to multi-layered graphene, we explore the revolutionary materials that could turn space elevators from sci-fi dreams into real-world infrastructure. Discover how these supermaterials might let us weave ribbons to the stars.Go to https://piavpn.com/IsaacArthur to get 83% off Private Internet Access with 4 months free!Visit our Website: http://www.isaacarthur.netJoin Nebula: https://go.nebula.tv/isaacarthurSupport us on Patreon: https://www.patreon.com/IsaacArthurSupport us on Subscribestar: https://www.subscribestar.com/isaac-arthurFacebook Group: https://www.facebook.com/groups/1583992725237264/Reddit: https://www.reddit.com/r/IsaacArthur/Twitter: https://twitter.com/Isaac_A_Arthur on Twitter and RT our future content.SFIA Discord Server: https://discord.gg/53GAShECredits:Materials For Space Elevators - From Carbon Nanotubes To Graphene And Beyond...Episode 741; July 24, 2025Written, Produced & Narrated by: Isaac ArthurEdited by:Adrian NixonSelect imagery/video supplied by Getty Images Music Courtesy of Epidemic Sound http://epidemicsound.com/creatorChris Zabriskie, "Unfoldment, Revealment", "A New Day in a New Sector"Aerium, "Deijocht"Stellardrone, "Red Giant", "Billions and Billions"See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

From carbon nanotubes to multi-layered graphene, we explore the revolutionary materials that could turn space elevators from sci-fi dreams into real-world infrastructure. Discover how these supermaterials might let us weave ribbons to the stars.Go to https://piavpn.com/IsaacArthur to get 83% off Private Internet Access with 4 months free!Visit our Website: http://www.isaacarthur.netJoin Nebula: https://go.nebula.tv/isaacarthurSupport us on Patreon: https://www.patreon.com/IsaacArthurSupport us on Subscribestar: https://www.subscribestar.com/isaac-arthurFacebook Group: https://www.facebook.com/groups/1583992725237264/Reddit: https://www.reddit.com/r/IsaacArthur/Twitter: https://twitter.com/Isaac_A_Arthur on Twitter and RT our future content.SFIA Discord Server: https://discord.gg/53GAShECredits:Materials For Space Elevators - From Carbon Nanotubes To Graphene And Beyond...Episode 741; July 24, 2025Written, Produced & Narrated by: Isaac ArthurEdited by:Adrian NixonSelect imagery/video supplied by Getty Images Music Courtesy of Epidemic Sound http://epidemicsound.com/creatorChris Zabriskie, "Unfoldment, Revealment", "A New Day in a New Sector"Aerium, "Deijocht"Stellardrone, "Red Giant", "Billions and Billions"See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Sometimes the job you've worked hard for breaks your spirit.  In this episode, I chat with interior designer Courtney Robinson.    Courtney shares her winding journey from a childhood dream of acting to studying design at Howard University to navigating the harsh realities of the New York design world.    Courtney opens up about the pivotal moments that urged her to leave the corporate path and to create her studio. Today, Materials and Methods Design is an inclusive space built on mentorship and authentic collaboration.    Courtney's journey is a powerful story about resilience, redefining success, and about the courage it takes to build a creative life that truly aligns with your soul.   Chapters   00:00 Introduction to the Creative Journey 02:57 From Acting to Interior Design: A Shift in Passion 06:05 The Role of Family in Creative Pursuits 08:54 Navigating the Early Career Landscape 11:44 Experiences of Racism and Gatekeeping in the Industry 23:29 Founding Materials and Methods Design 30:43 Defining Success: A Personal Evolution Connect with Courtney:   Follow Courtney on Instagram: https://www.instagram.com/materialsmethodsdesign Courtney's website: https://www.materialsmethodsdesign.com/   Support the Show Website: www.martineseverin.com Follow on Instagram: @martine.severin | @thisishowwecreate_ Subscribe to the Newsletter: www.martineseverin.substack.com   This is How We Create is produced by Martine Severin. This episode was edited by Daniel Espinosa.   Subscribe wherever you get your podcasts Leave a review Follow us on social media Share with fellow creatives  

2 Chronicles - Solomon Will Build a Temple and a Palace, Huram to Assist, The Temple Construction in Jerusalem, Dimensions and Materials of the Temple.Galatians - Faith Brings Righteousness, Intent of the Law.

The Aussie market climbed around 0.75% on Wednesday, edging closer to another all-time high. Gains were broad-based, with banks rebounding and miners extending their rally to a fifth straight day. Materials are on track for their best week since September last year, while energy stocks rose on strong results from Woodside. Ampol and Iluka also impressed, while Paladin sank 11% on ambitious guidance. Globally, optimism around US trade deals boosted sentiment, and attention now turns to earnings from Alphabet and Tesla, along with local updates from Fortescue, Karoon, and Lynas. 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.

On this episode, Dr. Michael Ponting joins the podcast to talk about his work on nanolayered metamaterials and polymer nanocomposites. Dr. Ponting is the Chief Science Officer at Peak with over 20 years of experience in micro and nanolayered polymer materials.  His work has enabled breakthroughs in everything from high-temperature capacitors and night vision optics to sustainable […] The post Discussing Nanolayered Materials and Their Macro-Scale Benefits with Dr. Michael Ponting first appeared on Composites Weekly. The post Discussing Nanolayered Materials and Their Macro-Scale Benefits with Dr. Michael Ponting appeared first on Composites Weekly.

In this episode, Nick & guest cohost, Michael Carruthers, speak with Jeff Jordan, Founder and CEO of SlotCycle. Join us for a deep dive on the secondhand equipment sector's players, practices, and pitfalls, and how SlotCycle's online marketplace and service portfolio are increasing transparency, efficiency, and value for buyers and sellers. Also in this episode, buying chairs for slot environments and resisting the temptation to replace slot systems. (Our apologies for the intermittent mic issues in this episode). © 2015 -2025 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.   Justin interviews Major General (Ret.) Robert F. Whittle, Jr., RIMS Texas Keynote speaker, about his experience as Deputy Commanding General of Operations for U.S. Army North, responsible for homeland defense and coordination with civil authorities, about his experience with the U.S. Army Corps of Engineers and its work in water resource management, and the lessons he can share for flood preparedness. Justin and Robert (Bob) discuss risk management training that engineers receive and how it applies to combat operations and domestic situations. Bob talks about building trust in different cultures. Finally, he shares some of what he will cover in his closing keynote on August 6th for the RIMS Texas Regional in San Antonio, Texas, from August 4th through 6th.   Listen to learn military lessons that apply to risk management in industry.   Key Takeaways: [:01] About RIMS and RIMScast. [:15] To our friends and RIMS members in Texas, it has been heartbreaking to witness the devastation caused by the floods in the Lone Star State. [:23] Your RIMS community extends its heartfelt thoughts and wishes for your health, safety, and well-being during this challenging time. [:30] The floods are a stark reminder of the critical role that risk professionals play in a crisis. The RIMS Hurricane and Storm Risk Management Resource Center offers several informative articles and resources about flood and storm preparedness and recovery. [:45] As you navigate through your recovery efforts, please know that you have the support of RIMS.  [:50] About this episode of RIMScast. Our guest today is Major General (Retired) Robert F. Whittle, Jr. He will be the closing keynote speaker at the RIMS Texas Regional Conference on August 6th. We will talk about his military career and flood risk and leadership. [1:23] RIMScast is a proud nominee of the 20th Annual People's Choice Podcast Awards. I'm hoping I can count on you to help us bring this win home! Vote by going to PodcastAwards.com and the link in this episode's notes.  [1:40] Sign up with your email, find RIMScast under Government and Organizations, and save your nomination. Every vote counts! Thank you so much for your support! [1:50] RIMS-CRMP Workshops! The next Virtual RIMS-CRMP exam prep, co-hosted by Parima, will be held on September 2nd and 3rd. [2:00] The next RIMS-CRMP-FED virtual workshop will be held on November 11th and 12th, in conjunction with George Mason University and led by Joseph Mayo. Links to these courses can be found on the Certification Page of RIMS.org and through this episode's show notes. [2:17] RIMS Virtual Workshops! We have a day-long course on July 24th, “Risk Taxonomy for Effective Risk Management.” On August 5th, we have a day-long course about “Emerging Risks.” [2:30] RIMS has launched a new course, “Intro to ERM for Senior Leaders.” This is a two-day course. The first two-day course will be held on August 12th and 13th and will be led by former RIMS President, Chris Mandel. [2:45] The course will be held again on November 4th and 5th and will be led by Elise Farnham. RIMS members enjoy deep discounts! [2:54] The full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's notes. [3:05] If you tuned in to the recent episode featuring James Lam, you will know he is hosting a new six-module workshop for us, the “RIMS-CRO Certificate in Advanced Enterprise Risk Management”. [3:19] The inaugural summer course is completely sold out! We are filled to the virtual capacity! Don't worry, in the Fall, the bi-weekly course will begin on October 9th. Registration closes on October 2nd. A link is in this episode's notes. Check it out and register today! [3:38] Mark your calendars for November 17th and 18th for the RIMS ERM Conference 2025 in Seattle, Washington. The Call for Nominations for the ERM Award of Distinction has been distributed. There is a link in this episode's show notes. The nomination deadline is August 16th. [3:59] If your organization's ERM program or one you know of has generated and retained value and led to the growth of your organization, consider nominating that ERM program and manager for the ERM Award of Distinction 2025. [4:13] RISKWORLD 2026 will be in Philadelphia, Pennsylvania, from May 3rd through May 6th. RIMS members can now lock in the 2025 rate for a full conference pass to RISKWORLD 2026 when registering by September 30th. [4:27] This also lets you enjoy earlier access to the RISKWORLD hotel block. Register by September 30th, and you will also be entered to win a $500 raffle. Don't miss out on this chance to plan and score some extra perks. [4:40] The members-only registration link is in this episode's show notes. If you are not yet a member, this is the time to register at RIMS.org/membership. [4:50] On with the show! Robert F. Whittle Jr. was a Major General of the U.S. Army. He retired in 2023 as the Deputy Commanding General of Operations for the U.S. Army North. He is also Senior Vice President and Chief of Staff to the CEO at USAA. [5:06] On August 6th, he will deliver the closing keynote at the RIMS Texas Regional, providing highlights from his 33 years in the Army, including years as the Commanding General of the U.S. Army Corps of Engineers Great Lakes and Ohio River Division. [5:20] I'm so glad he's here to provide a preview of his keynote and also discuss flood risk and leadership. Let's get to it! [5:28] Interview! Retired Major General Robert F. Whittle Jr., welcome to RIMScast! [5:35] Joining us now is one of the RIMS Texas Regional's keynotes, Major General (Retired) Bob Whittle. [5:46] Major General (Retired) Bob Whittle, Jr. asks Justin to call him Bob. [6:03] This is the inaugural Texas Regional event. Bob is excited about it. He loves Texas, and he knows people are coming from all over the country to attend. Justin adds that it's a big deal for the Texas chapters, which are some of the most active and voluminous RIMS chapters. [6:27] Bob's keynote will close out the Conference on August 6th.  [6:31] Today's discussion will be about flood risk and then about leadership. [6:47] Bob's bio is on the RIMS Texas Regional page. [6:52] Bob was Deputy Commanding General of Operations for the U.S. Army North, responsible for Homeland Defense and coordination with civil authorities. One major event occurred domestically while he was there. [7:17] That was the integration of 70,000 refugees from Afghanistan to the United States. When the U.S. left Afghanistan, a lot of interpreters, their families, and other key players were able to come to the United States. They needed help integrating into U.S. society with jobs and homes. [8:05] Bob says there was never an expectation that we would have to move 70,000 people here. We thought that Afghanistan would continue to move forward after we left, but it fell pretty rapidly. Some Afghan interpreters and officers who were under threat were brought to the U.S. [8:52] One of the challenges in any kind of operation like that is that it involves Federal, state, and local officials, and non-governmental organizations. Within the Federal side, we have FEMA, the State Department, and the Department of Defense. [9:14] These agencies worked together to build a framework and partner with the other authorities. The first risk is that politics or ego get in the way of accomplishing the mission. [9:28] The mitigation for that is trying to build relationships well ahead of the crisis, so people trust each other and can work together. They constantly emphasized the unity of the mission. [9:41] It's not unity of command, as there's no chain of command with all the partnerships, but there must be unity over the mission of resettling the Afghan refugees. [10:06] Justin asks if Bob is as easygoing as he seems. Bob says, you'd have to ask the people he worked with to get a solid understanding of who he is, versus how he self-reports. He says he is known for being cool, calm, and collected. When he needs to step it up, he can do it rapidly. [10:35] Bob found that projecting a calm personality helped him build trust. From years in the military, Bob learned that you succeed by making your peers successful. The more you help your peers, the more likely it is that you will earn a promotion or the assignment that you want. [11:37] Bob was in the Corps of Engineers for 33 years. He's a Licensed Professional Engineer in the State of Virginia. He led the U.S. Army Corps of Engineers Great Lakes and Ohio River Division. The civilian side of the Corps of Engineers deals with infrastructure. [12:13] Bob speaks of dam safety. The Corps of Engineers is responsible for the dams in Federal Navigation channels. They work through the inherent risks of the dams, making sure they have the right controls in place and testing to ensure that the controls are there. [12:42] There are so many other dams in the U.S. Some of them are private. While Bob was at the Great Lakes and Ohio River Division, two private dams failed in Michigan, the Edenville Dam and the Sanford Dam. The Corps went up there to assist and help determine the root cause. [13:07] It was a lesson in making sure you are doing all the right things from a risk perspective. Controls weren't in place. Some issues had been identified but not mitigated. The State of Michigan stepped in and worked with the private company to mitigate the issues. [13:35] The dams had failed, and there was a lot of flooding in that area. It was unexpected as it had not happened before. It was in May 2020, a month after COVID-19 started hitting. [13:53] When things happen, you have to look forward. The Corps of Engineers is key. If the Ohio River drops too low for barge traffic to go through, eventually, Nashville starts to have a lot of trouble with power. It's very important to keep the Corps of Engineers running. [14:15] During COVID-19, the Secretary of Defense stated, “I want everybody in the Defense Department to stop moving. Stay where you are.” Bob was the Acting Deputy of the Corps of Engineers then. He immediately communicated to the 37K in the Corps, Don't stop moving. [14:32] If the Army Corps of Engineers had stopped, it would have been a huge issue. There were repair shifts at work, making sure things were running. In Michigan, when those two dams failed, the Corps put their masks on and moved out to help solve issues. [15:03] The risk framework the Corps of Engineers uses for dam safety is similar to what Bob has seen in industry and similar to what the Army does, even at a small unit level. The Army has a risk document that they use for training or going into combat. [15:26] The Army's risk document covers inherent risk, the probability of an issue, mitigation and controls, residual risk, and what the impact would be. The controls are the most important thing. They help ensure a low probability of a huge issue. The risk document is simple, and it works. [16:17] On the topic of the tragic recent Texas floods, how should leaders be thinking about flood risk mitigation? Bob knows that everyone involved in the situation is doing the absolute best that they can. If you want to be prepared for any disaster, it starts with simple planning. [17:24] You have to look at what the disaster may be, what the probability of it may be, and if it does occur, the key things that will need to happen on the ground in response, the people who will need to be involved, the resources they will need, and the timing of those activities. [17:46] It's like deliberate project management. You have to make assumptions in the beginning about what will happen. The next thing is getting funding for the resources, the people, and the tasks that have to occur. [18:01] There's a lot of deliberate planning and, for any domestic emergency in the U.S., the planning has to be done at the Federal level, the State level, the local level, and with non-governmental organizations that will be involved.  [18:15] The first step is building relationships ahead of time. Step two is to have rehearsals. The rehearsals can be with a map and some key leaders on site. Rehearsals help to validate the planning you've done. [18:51] In a disaster, one of the first steps is to allocate resources. There were decisions about resources when COVID-19 hit all over the U.S. They couldn't just send money to one area. The Federal government, states, local governments, and NGOs decided how to allocate resources. [19:23] Bob points out that you can decide with no information or with 100% of the information. In an emergency, you don't have time to get 100% of the information out there, so you need to determine if you have enough information to make this decision and if you need to act now. [19:46] It's about risk. Do you take a chance? Risk is all about the probability of success. It's achieving an objective. [20:04] After the disaster is over, a lot of people evaluate those decisions and take two years to study whether the right decision was made. You've got to be in the shoes of the person making the decision, with the same timing, to understand how they did it and why. [20:24] You do want to review the decisions, to learn from them, but you have to know that these leaders are making decisions based on the time available and the necessity of moving things forward. [20:36] Plugs with Roma Rishi, Sr. Sales Executive, Origami Risk! Origami Risk is excited to be a sponsor at the RIMS Texas Regional Conference. Origami Risk will have a booth there to demonstrate their products. They will also speak at one of the sessions. [21:17] They will be talking with Roy Hock, the Director of Excess Insurance at Valero Energy, about leveraging technology to manage your captive. See Origami at its table, at its session, or both! [21:30] Origami Risk will be at the RIMS Texas Regional Conference from August 4th through August 6th. Origami Risk will also be at the tenth Chicagoland Risk Forum, on September 18th at the Old Post Office in Chicago. [21:44] Origami Risk will have a booth there, and Roma's colleague, Gina Rothweiler, is going to be speaking. Come find Origami Risk at the Chicagoland Risk Forum! [21:54] Registration is complimentary for members of risk management departments in the nearby area. A link to the registration page is in this episode's show notes. You can visit ChicagoRIMS.org as well. [22:15] On October 1st through the 3rd, Origami Risk will be in the Bay Area, California, for the RIMS Western Regional Conference. They will have a booth and will speak at a session with the Risk Manager of Sprouts about leveraging data and technology for proactive risk management. [22:44] Origami Risk will be at RIMS ERM, on November 17th and 18th in Seattle, Washington. That agenda is being built. Origami Risk will have a kiosk and hope to speak, too. [22:59] Origami Risk will have a presence at the 2025 Florida RIMS Educational Conference from July 29th through August 2nd. Connect with Roma's colleague Alex and Origami Risk there. [23:19] Roma, it's always great to see you and the Origami Risk team. Connect with Roma and Origami Risk online at LinkedIn and OrigamiRisk.com, in the Contact Us area on the website. [23:34] Let's Return to the Conclusion of My Interview with RIMS Texas Keynote Speaker Major General (Ret.) Robert F. Whittle Jr.! [23:44] What's the vibe at a Bob Whittle keynote? Bob focuses on the lessons he's learned over his career. A lot of the lessons are from mistakes that he has made, or vicariously from mistakes others have made. [24:00] Bob's goal is to make it humorous with some anecdotes; people remember anecdotes. He plans for an enjoyable session. Bob feels that when you're speaking to an audience, it's a hostage crisis. You owe it to them to entertain them a bit while providing valuable information. [24:34] Bob says it's not a hostage crisis if people are glad they went. [24:44] At the end of his keynote, Bob takes questions from the audience. He says it's the most enjoyable part because it's a free flow of information. [25:01] Bob has led troops in combat and peacekeeping missions across multiple continents. Bob says he learned a lot about cultural risk and adaptability in leadership. He says the Armed Forces learned a lot during that process, and the U.S. government did, as well. [25:22] After major combat operations in Iraq and Afghanistan and moving into a stability effort, Bob says they learned about human terrain, the culture of the people. The culture can vary from place to place and village to village. [25:58] An American isn't ever going to understand the cultures as well as the interpreters (many of whom had emigrated to the U.S. and had come back to interpret) and the NGOs in place. Have them help you learn the culture. [26:34] Bob talks about how these experiences shaped his strategies. He became more of an active listener to gain situational awareness. To develop a relationship with an Afghan officer, you visit him at least three times and have tea with them. [27:11] Bob speaks of vision. Afghanistan, for thousands of years, had not been a democracy. Are you going to make it a democracy in a year or even in one generation? You have to know the human terrain. What is the best governance for the people to make the country not a threat? [27:55] Within the culture, how do you make that as benign as possible and effective, the way that they like to do it? [28:17] Bob talks about decision-making under pressure. It is harder in some ways and easier in others than your regular decisions. You're not going to get to 100% of the information under pressure. [28:33] You have to accelerate the decision-making. The more you know about your environment and the probability of different things happening, the more comfortable you can be with that.  [28:50] A leader has to stay as cool, calm, and collected as possible in that environment. Everyone who works for you or with you, whom you want to influence, is looking to you for how they should feel. How bad is it? If you can keep that posture, they're going to perform better. [29:18] It's easier to do that when you're a leader because you know people are counting on you. If you focus on that, the cool calmness just comes. [29:31] Bob was Commandant of the U.S. Army Engineers School. Bob talks about preparing the next U.S. Army Engineers. The key is training. If you know your job well and you've trained as much as possible, then you'll be more apt to take the right actions and be cool and calm. [30:05] The Army does a great job of investing in training for its people. An Engineer Officer goes to Fort Leonard Wood, Missouri, for seven months right after they're commissioned. They come back, four years later, for a year. [30:19] They'll come back again as they get different promotions and constantly sharpen their edge. They are trained in every task that they're going to do, domestically in the U.S., or combat. [30:37] The training is repeated so the officers will gain good instincts and be able to take action without having to think long and hard about it; at the same time, being able to realize that every situation is different; How do they need to make this decision? [30:53] The U.S. Army Engineers School specifically teaches risk management. When the Army goes into a new nation for combat operations, they have to assess the bridges there. The bridges won't be in a U.S. database. A lot of the bridges are small. There may be many streams. [31:15] Bridges over streams may be small, and the Army has huge tanks. The Army has float bridges that they assemble in streams. The speed of the river and the types of banks affect how much material those bridges can handle. [31:51] They need engineers to go out there and evaluate the load classification for each bridge. When the Army went into Bosnia, they crossed the Sava River, which was in flood stage at the time. That takes a much longer bridge. It took a lot of ingenuity and more resources to cross. [32:34] When it comes to risk management, it's important to look at all the different controls. For bridges, one control is that one vehicle crosses at a time. You don't need three tanks on the bridge. Engineers need to decide if a float bridge can handle two tanks or limit it to one. [32:55] They could limit it to day crossing only, with people guiding the tank. There are all kinds of things to make sure they get right. [33:04] Justin looks forward to hearing more about Bob's experience on August 6th at 11:00 a.m. at the RIMS Texas Regional Conference 2025 in San Antonio. [33:17] Bob is a graduate with a Master's Degree in Environmental Engineering from the University of Texas at Austin, so a little Texas accent comes through. He loves Texas, and he got there as soon as he could. [34:23] Special thanks again to Retired Major General Bob Whittle for joining us here on RIMScast. Visit RIMS.org/TexasRegional to see the full agenda and register. I've got a link to the opening keynote's RIMScast episode. Huw Edwards joined us recently to discuss his address. [34:41] Huw will present “Your Insurance Policy for Success: Eight Mental Toughness Lessons I've Learned from Running 100 Miles through the Mountains.” Be sure to check that out. We look forward to seeing you August 4th through the 6th in San Antonio, Texas! [35:01] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [35:28] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [35:46] 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. [36:04] 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. [36:21] 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. [36:35] Justin Smulison is the Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [36:42] Thank you all for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe!   Links: 20th Annual People's Choice Podcast Awards! Vote for RIMScast (Gov't & Organizations) To vote for RIMScast, please sign up with your email, then select RIMScast on the pulldown under Government and Organizations. Thank you! RIMS Risk Management Magazine 2025 Awards Edition RIMS Texas Regional 2025 — August 3‒5 | Registration open. RIMS-CRMP In-Person Workshop in Texas Aug. 6 & 7 RIMS 2025 Florida Educational Conference | July 31‒Aug 2 | Registration open. RIMS Canada 2025 — Sept. 14‒17 | Registration open! 10th Annual Chicagoland Risk Forum — Sept. 18 | Registration open! RIMS Western Regional — Oct 1‒3 | Bay Area, California | Registration open! RISKWORLD 2026 — Members-only early registration! Register through Sept 30! RIMS-Certified Risk Management Professional (RIMS-CRMP) The Strategic and Enterprise Risk Center Spencer Educational Foundation 2025 Funding Their Future Gala — Sept. 18, 2025 in NYC! Spencer Education Foundation — General Grants 2026 — Application Deadline July 30, 2025 RIMS ERM Conference 2025 — Nov 17‒18 in Seattle! [Save the Date!] RIMS-CRO Certificate in Advanced Enterprise Risk Management — Featuring Instructor James Lam! Summer course sold out! | Next bi-weekly course begins Oct 9. RIMS Diversity Equity Inclusion Council RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 RIMS Risk Management magazine | Contribute RIMS Now RIMS Rocky Mountain Chapter RIMS Webinars: RIMS.org/Webinars   Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam Prep Virtual Workshop — Sept 2-3, 2025 | Presented by RIMS and PARIMA RIMS-CRMP-FED Exam Prep Virtual Workshop — November 11‒12 Full RIMS-CRMP Prep Course Schedule “Risk Taxonomy for Effective Risk Management” | July 24 | Instructor: Joe Mayo “Emerging Risks” | Aug 5 | Instructor: Joe Mayo “Intro to ERM for Senior Leaders” | Aug. 12‒13 | Instructor: Chris Mandel “Intro to ERM for Senior Leaders” | Nov. 4‒5 | Instructor: Elise Farnham See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes: “Risk and Clarity with Huw Edwards, RIMS Texas Keynote” “James Lam on ERM, Strategy, and the Modern CRO” “ERM, Retail, and Risk with Jeff Strege” “Bigger Risks with the Texas State Office of Risk Management | Sponsored by Hillwood”   Sponsored RIMScast Episodes: “The New Reality of Risk Engineering: From Code Compliance to Resilience” | Sponsored by AXA XL (New!) “Change Management: AI's Role in Loss Control and Property Insurance” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Demystifying Multinational Fronting Insurance Programs” | Sponsored by Zurich “Understanding Third-Party Litigation Funding” | Sponsored by Zurich “What Risk Managers Can Learn From School Shootings” | Sponsored by Merrill Herzog “Simplifying the Challenges of OSHA Recordkeeping” | Sponsored by Medcor “Risk Management in a Changing World: A Deep Dive into AXA's 2024 Future Risks Report” | Sponsored by AXA XL “How Insurance Builds Resilience Against An Active Assailant Attack” | Sponsored by Merrill Herzog “Third-Party and Cyber Risk Management Tips” | Sponsored by Alliant “RMIS Innovation with Archer” | Sponsored by Archer “Navigating Commercial Property Risks with Captives” | Sponsored by Zurich “Breaking Down Silos: AXA XL's New Approach to Casualty Insurance” | Sponsored by AXA XL “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Partnering Against Cyberrisk” | Sponsored by AXA XL “Harnessing the Power of Data and Analytics for Effective Risk Management” | Sponsored by Marsh “Accident Prevention — The Winning Formula For Construction and Insurance” | Sponsored by Otoos “Platinum Protection: Underwriting and Risk Engineering's Role in Protecting Commercial Properties” | Sponsored by AXA XL “Elevating RMIS — The Archer Way” | Sponsored by Archer   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Kristen Peed!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Major General (Retired) Robert F. Whittle, Jr., Senior Vice President and CEO, Chief of Staff at USAA   Production and engineering provided by Podfly.  

The Biden-era Pentagon held training sessions that described pro-lifers as terrorists. Soldiers were told to be on the lookout for anyone driving cars with “Choose Life” car tags. They were also told that National Right to Live was like an Islamic terrorist group.See omnystudio.com/listener for privacy information.

The dollar's bearish run is likely to affect U.S. equity markets. Michelle Weaver, our U.S. Thematic & Equity Strategist, and David Adams, our Head of G10 FX Strategy, discuss what investors should consider.Read more insights from Morgan Stanley.----- Transcript -----Michelle Weaver: Welcome to Thoughts on the Market. I'm Michelle Weaver, U.S. Thematic and Equity strategist at Morgan Stanley. David Adams: And I'm Dave Adams, head of G10 FX Strategy here at Morgan Stanley. Michelle Weaver: Our colleagues were recently on the show to talk about the impact of the weak dollar on European equities. And today we wanted to continue that conversation by looking at what a weak U.S. dollar means for the U.S. equity market.It's Thursday, July 17th at 2pm in London. Morgan Stanley has a bearish view on the U.S. dollar. And this is something our chief global FX strategist James Lord spoke about recently on the show. But Dave, I want to go over the outlook again, since Morgan Stanley has a really differentiated view on this. Do you think the dollar will continue to depreciate during the remainder of the year? David Adams: We do, and we do. We have been dollar bears this whole year, and it has been very out of consensus. But we do think the weakness will continue and our forecasts remain one of the most bearish on the street for the dollar. The dollar has had its worst first half of the year since 1973, and the dollar index has fallen about 10 percent year to date, but we think we're at the intermission rather than the finale. The second act for the dollar weakening trend should come over the next 12 months as U.S. interest rates and U.S. growth rates converge to that of the rest of the world. And FX hedging of existing U.S. assets held by foreign investors adds further negative risk premium to the dollar. The result is that we're looking for yet another 10 percent drop in the dollar by the end of next year. Michelle Weaver: That's really interesting and a differentiated view for Morgan Stanley. When I think about one of the key themes that we've been following this year, it's the multipolar world or a shift away from globalization to more localized spheres of influence. This is an important element to the dollar story.How have tariffs impacted currency and your outlook? David Adams: Tariffs play a key role in this framework. Tariffs have a positive impact on inflation, but a negative impact on U.S. growth. But the inflation impact comes faster and the negative impact on growth and employment that comes a bit later. This puts the Fed in a really tough spot and it's why our economists are pretty out of consensus in calling for both no cuts this year, and a much faster and deeper pace of cuts in 2026. The results for me in FX land is that the market is underestimating just how low the Fed will go and just how low U.S. rates will go, in general. Tariffs play a big role in helping to generate this rate convergence, and rate differentials are a fundamental driver of currencies. The more that U.S. rates are going to fall, the more likely it is that the dollar keeps falling too. Michelle Weaver: Tariffs have certainly impacted heavily on our view for the U.S. equity market and it's something that no asset class is not impacted by really. Given the volatility and the magnitude of the move we've seen this year, are foreign investors hedging more? David Adams: We do think they've started hedging more, but the bulk of the move is really ahead of us. Foreign investors own a massive amount of U.S. assets. European investors alone own $8 trillion of U.S. bonds and stocks, and that's only about a quarter of total foreign ownership of U.S. assets. Now when foreign investors buy U.S. assets, they have to sell their currency and buy the dollar. But at some point, you're going to have to bring that money back, so you're going to have to sell the dollar and buy back your home currency again. If the dollar rises over this period, you've made a gain, congratulations. But if it falls, you've made a loss. Now a lot of foreign investors will hedge this currency risk, and they'll use instruments like forwards and options to do so. But in the case of the U.S., we found that a lot of foreign investors really choose not to hedge this exposure, particularly on the equity side. And this reflects both a view that the dollar would appreciate; so, they want to take that gain. But it also reflects the dollar's negative correlation to equities. So, what's changing now? Well, a lot of investors are starting to rethink this decision and add those FX hedges, which really means dollar selling. Now, there's a lot of factors motivating their decision to hedge. One, of course is price. If U.S. rates are going to converge meaningfully to the rest of the world – like we expect – that flattens out the forward curve and makes those forwards cheaper to buy to hedge. But the breakdown in correlations that we've seen more broadly, the uptick in policy volatility and uncertainty, and the sell off in the dollar that we've already seen year to date, have all increased the relative benefit of FX hedging. Now, Michelle, I often get asked the question, that's a nice story, but is hedging actually picking up? And the answer is yes. The initial data suggests that hedging has picked up in the second quarter, but because of the size of U.S. asset holdings and given how much it was initially unhedged, we could be talking about a significant long-term flow. We have a lot more to go from here. Michelle Weaver: Yeah. David Adams: We estimated that just over half of Europe's $8 trillion holdings are unhedged. And if hedge ratios pick up even a little bit, we could be talking about hundreds of billions of dollars in flow. And that's just from Europe. But Michelle, I wanted to ask you. What do you think a weaker dollar means for U.S. companies? Michelle Weaver: The weaker dollar is a substantial underappreciated tailwind for U.S. multinational earnings, and this is because these companies sell products overseas and then get paid in foreign currency. So, when the dollar's down, converting that foreign revenue back into dollars, gives them a nice boost, something that domestic only companies aren't going to benefit from. And this is called the translation effect. Recently we've seen earnings revisions breadth, essentially a measure of whether analysts are getting more optimistic or pessimistic start to turn up after hitting typical cycle lows. And based on our house view for the dollar, there's likely more upside ahead based on that relationship for revisions over the next year. David Adams: Interesting. Interesting. And is this something you're hearing about from companies on things like earnings calls? Michelle Weaver: No, this dynamic isn't being highlighted much on earnings calls. Typically, companies talk about foreign exchange effects when the dollar's strengthening and provides a headwind for corporate earnings. But when we're in the reverse scenario like we are now with the dollar weakening and getting a boost to earnings, we tend to not hear as much discussion, which is why I called this an underappreciated tailwind. And according to your team's forecast, we still have a substantial amount of weakening to go and thus a substantial amount of benefit for U.S. companies to go. David Adams: Yeah, that makes sense. And who do you think benefits most from this dynamic? Are there any sectors or investment styles that look particularly good here? Michelle Weaver: Mm hmm. So generally, it's the large cap companies that stand to gain the most from this dynamic, and that's because they do more business overseas. If we look at foreign revenue exposure for different indices, around 40 percent of the S & P 500's revenue comes from outside the U.S., while that's just 22 percent for the Russell 2000 Small Cap Index. But the impact of a weaker dollar isn't the same across the board. Foreign revenue exposure and earnings revision sensitivity to the dollar vary quite a bit, when we look at the sector and the industry group level. From a foreign revenue exposure perspective, Tech Materials and Industrials have the highest foreign revenue exposure and thus can benefit a lot from that dynamic we've been talking about. When we look from an earnings revisions perspective, Capital Goods, Materials, Software and Tech Hardware have the most earnings revisions, sensitivity to a weaker dollar, so they could also benefit there. David Adams: So, I guess this brings us to the million-dollar question that all of our listeners are asking. What do we do with this information? What does this mean for investors? Michelle Weaver: So as the dollar, continues to weaken, investors should keep a close eye on the industries and companies poised to benefit the most – because in this multipolar world, currency dynamics are not just a macro backdrop, but an important driver of earnings and equity performance.Dave, thank you for taking the time to talk. And to our listeners, thanks for listening. If you enjoy Thoughts on the Market, please leave us a review wherever you listen to the show and share the podcast with a friend or colleague today.

This podcast features Oak Ridge's Travis Humble

"For God did not give us a spirit of cowardice but rather of power and love and self-control.” 2 Timothy 1:7    “The child's development follows a path of successive stages of independence and our knowledge of this must guide us in our behavior towards him. We have to help the child to act, will, and think for himself. This is the art of serving the spirit. An art which can be practiced to perfection only when working among children.” Maria Montessori, The Absorbent Mind    Submit a Podcast Listener Question HERE!    Podcasts by Series  Level One Book Study  Level Two Book Study    Claire Paglia and Cathy Johanni join us to discuss four tools that can be used in your atrium and in your home: modeling, scaffolding, isolation of difficulty and purposeful work.   Claire Paglia is a child of the atrium. As an adult, she is an AMI-trained guide who has been in the primary environment for 12 years. She holds a bachelor's degree in elementary education and a master's degree in education with a concentration in Montessori from Loyola University, Maryland. She worked for a year as a course assistant for the primary training center. In 2012, she received her Level I formation and has been a catechist at her church in varying capacities since then. She enjoys spending time with her family and particularly enjoys preparing Montessori-friendly spaces at home for her three children. @_athomewithmontessori_    Cathy Johanni lives in Columbus, Ohio where she has enjoyed accompanying children on their spiritual journeys for more than two decades. She is recognized as a formation leader in the Catechesis of the Good Shepherd at levels I, II, and III.  She has been involved in Montessori education for a decade, working with children ages 5-14.   A member of the editorial committee for the United States Association of the Catechesis of the Good Shepherd Annual Journal. Cathy has authored articles and contributed to The Roman Missal Third Edition and the Catechesis of the Good Shepherd: Changes to Materials . She holds a Bachelor's degree in cultural anthropology from Princeton University, a Master's degree from The Ohio State University and Montessori Elementary certificates. Married for 31 years, she is the mother of five.    CGSUSA Store    Five Reasons to Stop Saying “Good Job” by Alfie Kohn    Episodes to help you further explore Freedom and Discipline:  Episode 30 – Freedom and Discipline with Claire Paglia  Episode 133 – Freedom and Responsibility with Sr Mary Teresita  Episode 134 – Freedom and Responsibility for the First Plane Child  Episode 135 – Freedom and Responsibility for the Second Plane Child  Episode 139 – What to Try When it Seems to be Failing? With Cathy Johanni  Episode 141 – Normalization with Claire Paglia and Sr Maria Teresita  Episode 142 – Adults as Potential Obstacles in Development with Pilar Bewley        The Prepared Environment: Making Materials  with Don Martin (The Catechist's Husband) and Lynda Catalano  Tuesday, August 26, 2025  7:00 - 8:30 pm EDT  Join Don Martin, CGSUSA Vendor, The Catechist's Husband, and Lynda Catalano, CGSUSA Formation Leader, who will share her wisdom and passion for making the materials by hand. Don and Lynda's sessions will be followed by time for questions. All those present will be registered for a drawing for an atrium material from the Catechist's Husband.    Mark your calendars for this SPECIAL EVENT.  Registration information will come in July.  This is a free Zoom Session    BECOME AN ORGANIZATION MEMBER!  Organization Members are any entity (church/parish, school, regional group, diocese, etc.) that either offers CGS and/or supports those who serve the children as catechists, aides, or formation leaders) Organization Members also receive the following each month:  Bulletin Items - 4 bulletin articles for each month. We have a library of 4 years of bulletin items available on the CGSUSA Website.  Catechist In-Services to download TODAY and offer your catechists. We have six in-services available on the website.  Assistant Formation - prayer service, agenda, talking points, and handouts.  Seed Planting Workshop - prayer service, agenda, and talking points.  Family Events: downloadable, 1/2 day events for Advent, Christmas/Epiphany, and Lent.  Catechist Prayers and prayer services  and so much more!  Click Here to create your Organizational Membership!      AUDIOBOOK:    Audiobook – Now Available on Audible  CGSUSA is excited to offer you the audio version of The Religious Potential of the Child – 3rd Edition by Sofia Cavalletti, read by Rebekah Rojcewicz!  The Religious Potential of the Child is not a “how-to” book, complete with lesson plans and material ideas. Instead it offers a glimpse into the religious life of the atrium, a specially prepared place for children to live out their silent request: “Help me come closer to God by myself.” Here we can see the child's spiritual capabilities and perhaps even find in our own souls the child long burdened with religious information. This book serves as a companion to the second volume, The Religious Potential of the Child 6 to 12 Years Old. The desire to have this essential text available in audio has been a long-held goal for many. The work of many hands has combined to bring this release to life as an audiobook.    Find out more about CGS:       Learn more about the Catechesis of the Good Shepherd     Follow us on Social Media-  Facebook at “The United States Association of the Catechesis of the Good Shepherd”  Instagram-  cgsusa  Twitter- @cgsusa  Pinterest- Natl Assoc of Catechesis of the Good Shepherd USA  YouTube- catechesisofthegoodshepherd 

Explore a selection of the different types of materials you might consider working on if you're an academic editor.Listen to find out more aboutBooks and monographsConference materials Grant proposalsJournal articlesPeer review reportsReference listsResearch reportsReview articlesTextbooks and handbooksTheses and dissertationsWhite papersEditorials and opinion piecesBook chapters Meta-analysesCase studiesSign up for alerts about our publicationsWant to hone your editorial business skills? Our actionable guides and workbooks will help you plan and implement a programme for business growth and development. Sign up for alerts and we'll let you know when our publications are live and how to order: https://view.flodesk.com/pages/646bf79c644615ff2d1ada1aSupport The Editing PodcastTip your hosts: Support Louise and Denise with a one-off tip of your choosing.theeditingpodcast.captivate.fm/supportJoin our Patreon community: Our patrons benefit from access to PDF transcripts for episodes featuring just Louise and Denise, and for some of our guest episodes. They also receive bonus content for some episodes.patreon.com/editingpodcastDenise and LouiseDenise Cowle: denisecowleeditorial.comLouise Harnby: harnby.co/fiction-editingPost-productionLiv Cowle: livcowle.comMusic credit'Vivacity' by Kevin MacLeodLink: https://filmmusic.io/song/4593-vivacityLicence: http://creativecommons.org/licenses/by/4.0/

Send us a textThe digital revolution sweeping across our world seems ethereal, yet rests firmly on physical foundations that remain invisible to most of us. What powers artificial intelligence? Beyond the algorithms and code lies a material reality that shapes our present and future.Six critical raw materials form the backbone of our technological world. Sand—yes, that ubiquitous substance beneath our feet—provides silicon for our computer chips and glass for our screens, with high-quality sand becoming so scarce that Dubai imports it from Belgium despite being surrounded by desert. Salt drives the chemical industry producing everything from fertilizers to pharmaceuticals. Iron transformed into steel builds our physical infrastructure. Copper connects our digital devices. Oil continues to outproduce all renewable energy sources combined. And lithium, the "white gold" of the clean energy transition, powers batteries while its extraction damages fragile ecosystems.This material reality highlights a profound paradox: our rush toward a green, AI-powered future demands an explosion of mining activity that threatens the very environments we aim to protect. As wealthy nations promote digital transformation and clean energy, resource-rich developing nations bear the extraction burden. We stand at a critical juncture where our technological ambitions must be balanced with environmental sustainability and global equity. The future may indeed be green and digital, but it will still be mined—the question is who will pay the price and who will reap the rewards.Subscribe to our channel and join this ongoing conversation about the complex relationship between our physical and digital worlds. How can we create technological progress that benefits everyone without repeating old patterns of exploitation?Support the showYou can support this show via the link below;https://www.buzzsprout.com/1718587/supporters/new

Welcome everyone, it is a new month, so time to talk about some cool elements which we have found! Editing took a little longer on this but we hope you enjoy! Sign up to Newletter: https://bit.ly/4eNPm8X ------------------------------------------------ Resources ------------------------------------------------ GDC Talk: https://youtu.be/UTE_bVUeHCQ Making Movie Titles: https://youtu.be/Ggw8Gqi4-Z0 Movie Posters: https://youtu.be/BEbW2fXSShc Game Developer Podcas: https://www.gamedeveloper.com/design/mike-bithell-s-journey-from-auteur-to-studio-boss-game-developer-podcast-ep-49 ----------------------- Let's Design Books ------------------------ Ebook - https://bit.ly/39BakJD Physical Books - https://bit.ly/3mfOsbS ---------------------------------- Level Design Kit ---------------------------------- Purchase now: https://bit.ly/4gYaJ9d  ----------------------------------- Contact Me  ---------------------------------- Website: https://www.maxpears.com/​ Email: leveldesignlobby@gmail.com Twitter: https://x.com/MaxPears Bluesky: https://bsky.app/profile/maxpears.bsk...

Welcome to the second episode of series 85, everyone! In this series, we are covering the retro-clone, mutant animal RPG Mutants in the Now with designer Julian Kay, and in today's episode, we mutate our animals and figure out what sort of fighting style they all have! Character Creation Cast Patreon https://patreon.com/charactercreationcast Announcements: One Shot Network Twitch: https://twitch.tv/oneshotrpg One Shot Network Patreon: https://patreon.com/oneshotpodcast Join our Discord! https://discord.charactercreationcast.com Check out other great shows on the network: https://oneshotpodcast.com Leave us reviews in any, or all, of these places: Character Creation Cast on Apple Podcasts (The best place to leave reviews for us) https://itunes.apple.com/us/podcast/character-creation-cast/id1363822066?mt=2&ls=1 Character Creation Cast on Podchaser https://podchaser.com/CharacterCreationCast Guests Julian Kay: BlueSky: https://bsky.app/profile/j-k.games Website: https://jk-games.square.site/ Itch.io: https://arbco.itch.io Games/Tools discussed this episode: Mutants in the Now: Website: https://arbco.itch.io/mutants-in-the-now Timestamps: (00:00:00) - Announcements (00:01:29) - Introductions (00:03:18) - What's in a game? - Core Concept (00:10:30) - Setting (00:23:52) - Materials needed to play (00:26:12) - Stories and Themes (00:27:53) - What can characters do in the game? (00:35:15) - What is unique about Mutants in the Now? (00:38:42) - History of the game (00:44:47) - Terms and Concepts (00:47:01) - Let's make some people! - Steps 1 and 2 (00:49:56) - Step 3 - What you're good at (00:59:15) - Step 4 - Origin Story (01:03:15) - Call to Action (01:20:02) - Credits Music: Opening: Meditation Impromptu 03 (https://freemusicarchive.org/music/Kevin_MacLeod/Calming/Meditation_Impromptu_03) by Kevin MacLeod Clip 1: Animal Kingdom by Craig Allen FravelOn Soundstripe: https://app.soundstripe.com/songs/11906 Clip 2: Animals by Jessie VillaOn Soundstripe: https://app.soundstripe.com/songs/5771 Main Theme: Hero (Remix) (https://freemusicarchive.org/music/Steve_Combs/Principal_Photography_1493/11_Hero_Remix) by Steve Combs Our Podcast: Character Creation Cast: Website: https://www.charactercreationcast.com Contact Us: https://contact.charactercreationcast.com BlueSky: @CreationCast.net (https://bsky.app/profile/creationcast.net) Discord: https://discord.charactercreationcast.com/ TikTok: https://tiktok.com/@charactercreationcast Amelia Antrim: BlueSky: @gingerreckoning.bsky.social (https://bsky.app/profile/gingerreckoning.bsky.social) Ryan Boelter: BlueSky: @lordneptune.com (https://bsky.app/profile/lordneptune.com) Our Network: https://oneshotpodcast.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald, interviewed Audreanna Ayala.

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald, interviewed Audreanna Ayala.

This episode of Convo By Design is scheduled for the week of July 8th, 2025. Intentionally so we can begin thinking about what's coming. It's hard to forget trauma, like what we saw in Pacific Palisades and Altadena earlier this year. But not impossible. Traditionally, “fire season” in California begins in August and ends around the end of October. Over the decades, there has been a creep into July, then June on the front end and then into November and December on the back end. Sadly, now, there is no longer a fire season, only an ongoing threat. Part of a recent California tour that started in the Bay Area and ended in Pasadena, I got an earful, and, because the mics are always on, so will you.  In this special episode, you're going to hear an extraordinary panel conversation in its entirety—one that explores the very real and immediate design challenges and opportunities facing architects, builders, designers, and manufacturers when creating residential projects in fire-prone areas. This conversation was recorded live and it's one of the most practical, informative, and emotionally resonant discussions we've had about fire-resilient design. This was recorded live from Golden State Lumber in Concord, CA. It features amazing professionals from design, landscape design and architecture. We have industry insiders and those on the front lines, literally. Designer Resources Pacific Sales Kitchen and Home. Where excellence meets expertise. Design Hardware - A stunning and vast collection of jewelry for the home!  - Where service meets excellence TimberTech - Real wood beauty without the upkeep Today, you are going to hear from; Caroline Nassif | Studio Ovo Mary Ann Schicketanz | Studio Schicketanz Ian Cox | Devlin McNally Construction Amy Wolff | Ceara Studio John Davis | John Davis Architect Robby Myer | Golden State Lumber Jay Williams | The AZEK Company Dustin Moore | Strata Landscape Architecture This episode features the full conversation in four parts and here are some important ideas to listen for: Setting the Context—Urgency, Evolution, and Mindset Shifts We open with a candid discussion about the evolving nature of wildfire—how modern firestorms are not the slow-moving ground fires of the past, but fast, intense, and unpredictable events that demand a complete rethinking of how homes are sited, designed, and built. Listen for how the professionals on the panel are redefining “resilience”, not as a post-disaster reaction, but as a forward-thinking design responsibility. There's discussion about the emotional component—how clients are now asking for homes that not only reflect their aesthetic desires but also protect their families and investment. You'll hear the beginnings of a common theme: that collaboration across disciplines—architecture, landscape, materials, policy—is essential to progress. Materials, Methods, and Design Strategy This section dives into the specific building systems and material choices that can help defend a home against wildfire. Pay close attention to the comparisons between wood vs. non-combustible materials, and the increasing use of metal roofs, cementitious siding, and Class A-rated assemblies. There are valuable insights into decking, fencing, vents, and eaves—often overlooked but critical components in fire resistance. The discussion touches on building codes and certifications, and how understanding these nuances can inform smarter material selection and design detailing. Design Solutions in Action This is where we get into real-world case studies. Panelists share examples of how they've adapted fire-resilient strategies in current projects and how clients are responding to new realities. Listen for examples of reimagining exterior spaces—gravel moats, Mediterranean-inspired gardens, and drought-tolerant landscapes that are also fire-resistant. There's a growing theme of creative compromise—how to...

Welcome to the first episode of series 85, everyone! In this series, we are covering the retro-clone, mutant animal RPG Mutants in the Now with designer Julian Kay, and in today's episode, we learn all about the history of the game before diving into character creation and find out what sort of animals we are all making! Character Creation Cast Patreon https://patreon.com/charactercreationcast Announcements: One Shot Network Twitch: https://twitch.tv/oneshotrpg One Shot Network Patreon: https://patreon.com/oneshotpodcast Join our Discord! https://discord.charactercreationcast.com Check out other great shows on the network: https://oneshotpodcast.com Leave us reviews in any, or all, of these places: Character Creation Cast on Apple Podcasts (The best place to leave reviews for us) https://itunes.apple.com/us/podcast/character-creation-cast/id1363822066?mt=2&ls=1 Character Creation Cast on Podchaser https://podchaser.com/CharacterCreationCast Guests Julian Kay: BlueSky: https://bsky.app/profile/j-k.games Website: https://jk-games.square.site/ Itch.io: https://arbco.itch.io Games/Tools discussed this episode: Mutants in the Now: Website: https://arbco.itch.io/mutants-in-the-now Timestamps: (00:00:00) - Announcements (00:01:29) - Introductions (00:03:18) - What's in a game? - Core Concept (00:10:30) - Setting (00:23:52) - Materials needed to play (00:26:12) - Stories and Themes (00:27:53) - What can characters do in the game? (00:35:15) - What is unique about Mutants in the Now? (00:38:42) - History of the game (00:44:47) - Terms and Concepts (00:47:01) - Let's make some people! - Steps 1 and 2 (00:49:56) - Step 3 - What you're good at (00:59:15) - Step 4 - Origin Story (01:03:15) - Call to Action (01:20:02) - Credits Music: Opening: Meditation Impromptu 03 (https://freemusicarchive.org/music/Kevin_MacLeod/Calming/Meditation_Impromptu_03) by Kevin MacLeod Clip 1: Animal Kingdom by Craig Allen FravelOn Soundstripe: https://app.soundstripe.com/songs/11906 Clip 2: Animals by Jessie VillaOn Soundstripe: https://app.soundstripe.com/songs/5771 Main Theme: Hero (Remix) (https://freemusicarchive.org/music/Steve_Combs/Principal_Photography_1493/11_Hero_Remix) by Steve Combs Our Podcast: Character Creation Cast: Website: https://www.charactercreationcast.com Contact Us: https://contact.charactercreationcast.com BlueSky: @CreationCast.net (https://bsky.app/profile/creationcast.net) Discord: https://discord.charactercreationcast.com/ TikTok: https://tiktok.com/@charactercreationcast Amelia Antrim: BlueSky: @gingerreckoning.bsky.social (https://bsky.app/profile/gingerreckoning.bsky.social) Ryan Boelter: BlueSky: @lordneptune.com (https://bsky.app/profile/lordneptune.com) Our Network: https://oneshotpodcast.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Two-time Emmy and Three-time NAACP Image Award-winning, television Executive Producer Rushion McDonald, interviewed Audreanna Ayala.