Podcasts about materials

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

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

In den dunkelsten Sphären des Schwarzwalds, weitab der uns bekannten Zivilisation, beginnt ein neues Schuljahr an der Franz-Fanty-Schule für Magie und Anderes. Hier stürzen sich vier Nachwuchszauberwesen, wie sie unterschiedlicher nicht sein könnten, in ein mystisches Abenteuer zwischen Morphologie-Lehrstunden, verzauberten Glockentürmen und synthetischem Schinken. Denn was wäre eine Zauberschule ohne ein düsteres Geheimnis?-----Aufgrund der improvisatorischen Art unserer Rollenspielinhalte können Themen und Situationen entstehen, die für manche Menschen schwer zu verarbeiten sind oder unangenehme Erinnerungen hervorrufen könnten. Sollten dich bestimmte Episoden oder Szenen belasten, empfehlen wir, zwischendurch eine Pause zu machen oder die Episode zu überspringen. Am Anfang jeder Folge wird der Inhalt der jeweils letzten noch einmal zusammengefasst, sodass du den Anschluss leicht wiederfinden kannst. Dein Wohlbefinden ist uns wichtig!Dice Actors ist ein inoffizieller Fan-Inhalt im Rahmen der Richtlinie für Fan-Inhalte. Dieser Kanal ist nicht von Wizards of the Coast gesponsert. Teile des enthaltenen Materials sind (geistiges) Eigentum von Wizards of the Coast LLC © Wizards of the Coast LLC.

This Podcast Is Episode 644, And It's About Five Hidden Ways Contractors Lose Profits (And How To Stop It) Where did the money go? If you've ever looked at your bank account at the end of a busy month and thought, "I did all that work—so where did the money go?", you're not alone. This is one of the most common frustrations we hear from small business owners in the construction industry. You're booking jobs, staying busy, and delivering great work—but the profit doesn't seem to match the effort. As construction bookkeeping specialists, we've seen behind the numbers of dozens of small contractors. And time and again, we find the same hidden leaks draining their profits. The good news? Once you know what to look for, you can fix them—and finally start keeping more of what you earn. Here are five common ways contractors lose profits (without even realizing it)—and what you can do to stop the leaks. 1. Untracked Labor Hours: Working More Than You Billed Labor is often your most considerable cost. But for many small contractors, labor tracking is one of the weakest parts of their system. If you (or your crew) aren't logging actual hours worked on each job, you're likely underestimating how much time the project really took. That means you're effectively working for free on those "extra" hours. Real example: A contractor estimated a bathroom remodel at 40 hours of labor. The job actually took 55 hours. At $50/hour, that's $750 of lost profit—just from labor under-tracking. Multiply that across several jobs, and you can see how the profits evaporate. How to fix it: Use a simple time-tracking tool (like QuickBooks Time, or even a shared spreadsheet). Log hours daily—not at the end of the week when details are fuzzy. Compare estimated vs. actual hours after each job. This helps you improve future bids and spot inefficiencies. Bookkeeper's tip: If you track hours properly, I can show you job profitability in real time—and you'll see exactly which jobs (or crew members) are eating into your margin. 2. Unapproved Change Orders: Giving Away Work for Free Scope creep is the silent profit killer. A client asks, "Can you just add this?" and you say yes because it seems like a minor request. But those "little extras" add up quickly—and suddenly your margins are gone. Real example: A deck project initially included a standard railing. Midway through, the client asked for an upgraded design. The contractor agreed but never adjusted the invoice. The upgrade cost him $500 in materials and 10 extra labor hours—completely unpaid. How to fix it: Create a straightforward change order process. Stop work when clients request something new until the change is approved in writing. Even if it feels awkward, remember: change orders protect both you and the client by keeping expectations clear. Bookkeeper's tip: Keep a change order log for each job. We can help track approved vs. pending changes—so nothing slips through the cracks. 3. Material Waste and Overruns: Small Leaks, Big Losses Materials are another common leak. If you're not reconciling receipts against your estimates, you may be spending far more than you realize. It's not always theft or big mistakes—it's the little things: over-ordering, miscuts, lost supplies, or last-minute runs to the hardware store. Real example: A contractor estimated $5,000 in materials for a kitchen remodel. By the end, he had spent $5,800. That $800 didn't seem huge—but on a project with a $2,000 expected profit, it wiped out nearly half. How to fix it: Match every material receipt to the job. Track waste (e.g., lumber offcuts, unused drywall sheets). Build a small buffer into estimates (5–10%) to account for inevitable overruns. Do weekly check-ins: Are material costs still aligned with the budget? Bookkeeper's tip: If you send us your receipts consistently, we can flag when a job is trending over budget before it's too late. 4. Late Invoicing and Slow Collections: Cash Flow Gaps Many contractors do the work first and think about invoicing later. The problem is that late invoices result in late payments. And late payments can create cash flow crunches that force you to dip into savings, use credit, or delay your own bills. Worse, some clients "forget" to pay unless reminded. If you're not consistent about invoicing and follow-ups, you might never collect everything you've earned. Real example: A contractor finished a $10,000 basement project but didn't invoice until six weeks later. The client delayed payment for another four weeks. That's 10 weeks without income—while the contractor was already paying subs and suppliers. How to fix it: Invoice immediately at milestones—not weeks later. Use progress billing: collect deposits upfront, then bill at set phases. Set clear payment terms (Net 15, Net 30) in your contracts. Automate reminders using software like QuickBooks, Joist, or FreshBooks. Bookkeeper's tip: We can set up a system where invoices go out automatically and overdue payments are flagged—so you never have to chase clients down again. 5. Forgetting Overhead: Missing the True Cost of Running Your Business This is one of the biggest mistakes we see: contractors price jobs based only on direct costs (labor + materials) and forget to include overhead. Overhead is everything it takes to keep your business running, like: Truck payments and fuel Insurance and licenses Office supplies and software Marketing and advertising Your own salary! If you don't factor in overhead, you might think you made a profit—but really, you just broke even. Real example: A contractor charged $15,000 for a renovation. Materials and labor cost $11,000, so it looked like a $4,000 profit. However, once overhead was factored in (including fuel, insurance, phone, bookkeeping, etc.), the actual profit was closer to $1,200. How to fix it: Calculate your monthly overhead. Divide that into your billable hours or projects. Add it to every estimate. Bookkeeper's tip: We can calculate your overhead burden per job, so you'll know exactly how much to add to every quote to stay profitable. Recap: 5 Hidden Profit Leaks Untracked labor hours Unapproved change orders Material waste and overruns Late invoicing and slow collections Forgetting overhead Each of these may seem small, but together they can drain thousands of dollars from your business every year. The Bottom Line: You Don't Have to Keep Losing Money The difference between "busy and broke" and "busy and profitable" isn't more jobs—it's better control of your numbers. When you track your labor, materials, change orders, invoices, and overhead, you stop the leaks and keep more of the money you've already earned. And you don't have to do it alone. As construction bookkeeping specialists, we help small contractors: Track job profitability in real time Catch hidden leaks before they get worse Set up systems that save time and reduce stress Contact us today and get the help you need. 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.

Per Friden is a bowyer based in Sweden who has been carving bows for nearly ten years. He is also a forest manager tending to 3000 hectares of Swedish public land, and feels fortunate to spend so much of his time among trees. Per and his bows can be found on Instagram @nordic_selfbows.Please enjoy this episode of Project Quiver on Salish Wolf with Per Friden.          Episode Links: https://www.instagram.com/nordic_selfbows/Project Quiver at Anchor Point ExpeditionsSummary:In this conversation, Todd and Per explore the journey of bow building, discussing its therapeutic nature, the learning process, and the community surrounding the craft. Per shares his experiences as a self-taught bowyer, the materials he uses, and the joy he finds in crafting bows. They also touch on the importance of archery in Per's life, his teaching experiences, and the connection between nature and craftsmanship. The conversation highlights the challenges and rewards of pursuing a passion for bow making.Show Notes:Per started bow building as a therapeutic outlet during a tough time in his life.Bow building combines Per's love for the outdoors and working with his hands.He learned bow making primarily through YouTube tutorials and trial and error.Per enjoys sharing his knowledge with others through teaching bow building classes.He prefers to carve bows for himself rather than taking commissions.The community of bow makers in Sweden is small but supportive.Per finds joy in the variety of materials available for bow making.He emphasizes the importance of focus and presence while crafting bows.Per's work as a forest manager informs his understanding of wood selection for bow making.The connection to nature is a significant aspect of Per's bow building experience.Chapters:00:00 Introduction to Bow Building Journey02:45 The Therapeutic Nature of Crafting Bows05:37 Self-Taught Skills and Community Connections08:30 Materials and Techniques in Bow Making11:24 The Personal Connection to Archery14:17 Teaching Bow Building to Others16:55 Challenges and Learning in Bow Crafting19:41 Tools and Techniques in Bow Making22:43 Exploring Unique Woods and Materials25:48 The Therapeutic Benefits of Crafting28:09 Journey into Carpentry and Home Renovation28:42 A Career in Forestry Management30:59 Daily Life in Forestry32:45 Public Access and Wildlife Encounters34:48 Family Life and Outdoor Activities36:26 Seasonal Changes and Outdoor Pursuits37:59 Life in Gothenburg and Travel Plans39:56 Innovations in Bow Making43:20 Social Media and Craftsmanship49:24 Looking Ahead: Future Plans and Workshops

In this episode, Jennifer Larimore and Avery Boyer, Materials Engineers at Chemours, join co-hosts Heather Allain and Marc Cook to share an inside look at how a materials lab works. Jennifer and Avery walk through the step-by-step process of analyzing samples—from sectioning, cleaning, reviewing documentation and photographing through the final wrap up of documenting and communicating findings to the customer. They discuss analysis methods like nondestructive evaluation, XRF identification, hardness, fracture testing, polishing and metallography to uncover critical material properties. The discussion also explores the importance of turning technical findings into clear, actionable recommendations. Throughout the conversation, the guests highlight how these practices help solve real-world challenges, prevent failures, and ensure long-term reliability.   This episode is sponsored by Tricor Metals and Webco Industries.   Corrosion Chronicles is produced by Association Briefings.

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

Welcokme in the autumn, by welcoming in more great resources, as we talk about more tools & the wrap up from Gamescom. Take a look what you might enjoy and grow from.  join the Mailing List: https://bit.ly/4eNPm8X ---------- Resources ---------- Silent Hill F: http://bit.ly/45IKGjr Mike Bithell Podcast: http://bit.ly/4g7w2pw BlackEye Camera: http://bit.ly/3JFpVwx Door Problem: https://www.gamedeveloper.com/design/revisiting-the-door-problem-with-liz-england-game-developer-podcast-ep-53 Blood of the Dawn Walker: https://www.youtube.com/watch?v=QrqS0dN5Jis&ab_channel=IGN Lego Horizons: https://interactive.libsyn.com/how-two-studios-brought-lego-horizon-adventures-to-life  ---------------------- 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://bit.ly/42HX9Tt

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

Most Downloaded Countdown Series – Episode #2 Interior designer Alison Davin shares how her multiple chemical sensitivities led her to design wellness-focused homes using nontoxic paints, flooring, and materials. A must-listen for anyone building or renovating.

In this episode, I talked to Dr. Samuel Stupp, Board of Trustees Professor of Materials Science, Chemistry, and Medicine at Northwestern University. He is one of the pioneers of supramolecular self-assembling materials and is a cofounder of multiple biotech startups, like Amphix Bio, that is working on regenerating spinal cords and tissues using biomaterials. ---------------------------------------------------------------Thanks to the sponsors:Audible: Use my link for a 30-day free trial: http://audibletrial.com/diamondgoatNewsly: https://newsly.mepromo code to receive a 1-month free premium subscription: EARLYMORNING Libysn: https://libsyn.compromo code: DG Dubby Energy: https://www.dubby.ggpromo code for 10% off: DIAMONDGOATOpus Clips:  https://www.opus.pro/?via=diamondgoat----------------------------------------------------------------------------------Listen on:Podcast website: https://www.spreaker.com/podcast/dg-early-morning-show--5943922Spotify: https://open.spotify.com/show/0EuhA6WyuerHtVAqcFrFeOPodcast YT channel clips: https://www.youtube.com/@dgearlymorningshowTiktok: @dgearlymorningshowApple Podcast: https://podcasts.apple.com/us/podcast/dg-early-morning-show/id1575451533Amazon Music: https://music.amazon.com/podcasts/f050b86c-1dad-4bc3-b12f-6aa5fa62438c  Goodpods: https://goodpods.com/podcasts/dg-early-morning-show-211830RadioPublic: https://radiopublic.com/dg-earlymorning-show-WoML4rBreaker: https://www.breaker.audio/dg-early-morning-showReason: https://reason.fm/podcast/dg-earlymorning-show--------------------------------------Check out my other stuff:Instagram: @itzdiamondgoatTwitter: @lildiamondgoatMain YT channel: youtube.com/diamondgoatTiktok: @lildiamondgoatSoundcloud: @Lil DiamondgoatSpotify: @Lil DiamondgoatMerch store: https://diamondgoat.creator-spring.com

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   The Spencer Educational Foundation, a leading nonprofit organization to nurture the next generation of risk management and insurance professionals, will hold its annual Funding Their Future Gala in New York City on Thursday, September 18, 2025. This eagerly awaited event will occur at the renowned Cipriani 42nd Street, uniting industry leaders and supporters to acknowledge achievements in risk management and insurance.   This year's gala recognizes Tim Ryan, U.S. President at Lockton, for championing the next generation of talent and shaping the future of the risk management and insurance industry. Since being named U.S. President in 2024, Tim has been pivotal in positioning Lockton for the future. With over 30 years of industry experience, Tim brings a strategic and enduring approach to leadership. He is committed to fostering a culture of collaboration and excellence that carries Lockton's momentum forward. Tim's vision is to build on Lockton's strong foundation, guiding the company through evolving market demands while maintaining its reputation as the best place to work in insurance.   “Tim's commitment to attracting and developing top talent has been instrumental in Lockton's continued success and evolution as an industry leader,” stated Julie Gibson, Spencer board member and Chief Marketing Officer at Lockton.   In this episode, Justin interviews Tim Ryan on his career, his risk philosophy, his leadership vision on mentorship, and his recognition by the Spencer Educational Foundation.   Listen to learn about attracting top, rising talent to the risk management and insurance industry.   Key Takeaways: [:01] About RIMS and RIMScast. [:14] The call for educational content submissions for RISKWORLD 2026 is open through September 4th! A link is in this episode's show notes. [:28] About this episode of RIMScast. We will be joined by Tim Ryan. He is the U.S. President at Lockton and the honoree at this year's Spencer's Funding Their Future Gala on September 18th. We'll get his perspective on leadership and the future of risk management in just a moment. [1:00] RIMS-CRMP Workshops! The next RIMS-CRMP-FED virtual workshop will be held on November 11th and 12th, and led by Joseph Mayo. Links to these courses can be found on the Certification Page of RIMS.org and through this episode's show notes. [1:20] RIMS Virtual Workshops! RIMS has launched a new course, “Intro to ERM for Senior Leaders.” It will be held again on November 4th and 5th and will be led by Elise Farnham. RIMS members enjoy deep discounts! [1:37] The full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's notes. [1:48] 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”. [2:01] On September 18th, Origami Risk will present “Driving Better Incident and Claims Management with Data, Technology & Strategic Collaboration”. [2:10] On October 9th, Global Risk Consultants returns to deliver “Natural Hazards: A Data-Driven Guide to Improving Resilience and Risk Financing Outcomes”. [2:19] On October 16th, Zurich returns to deliver “Jury Dynamics: How Juries Shape Today's Legal Landscape”. [2:28] On October 30th, Swiss Re will present “Parametric Insurance: Providing Financial Certainty in Uncertain Times”. [2:37] On November 6th, Hub will present “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World”. Register at RIMS.org/Webinars. [2:49] RISKWORLD 2026 will be in Philadelphia, Pennsylvania, from May 3rd through the 6th. RIMS members can now lock in the 2025 rate for a full conference pass to RISKWORLD 2026 when registering by September 30th. [3:04] 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. [3:17] 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. [3:31] On with the show! On September 18th, 2025, the Spencer Educational Foundation will hold its annual Funding Their Future Gala in New York City at the renowned Cipriani 42nd Street. [3:44] This year's Gala recognizes Tim Ryan, U.S. President at Lockton, for championing the next generation of talent and shaping the future of risk management and insurance. [3:54] Tim Ryan is our guest today. He has over 30 years of industry experience. We're going to dive into his philosophies on leadership and what it takes for the next generation of risk professionals to be successful in the short and long term. Let's get to it! [4:11] Interview! Tim Ryan, welcome to RIMScast! [4:32] Tim Ryan is excited to be here today to talk about the Spencer Educational Foundation! He says it's an exceptional organization, doing important work. It's a unique organization that brings the entire industry together to rally around an issue that's important to us all. [4:52] Tim says the recognition is humbling and gratifying. It's nice to be recognized, but he doesn't view it as a personal achievement. He sees it as a reflection of the incredible work being done by Lockton and Associates throughout the country, more than it is of his individual efforts. [5:14] Tim says he is honored to be recognized, and he's proud to be part of a company that sees this as a priority. [5:26] Tim has been at Lockton for 20 years. Before Lockton, Tim worked on the carrier side for 10 years. Tim became the U.S. President at Lockton almost a year ago to the day.  [5:49] Tim's leadership style has changed over time, through the wisdom of maturity and a lot of trial and error. He started in the industry straight out of college. Working at a couple of different organizations exposed him to different leaders along the way. [6:10] Tim learned a few foundational lessons. First, leadership is rarely about title. People follow people, not the position. When Tim was first made a team leader, he was excited to be in charge. He promised himself he wouldn't make the same mistakes his managers had made. [6:37] He made the same mistakes. He started to realize that a leadership position isn't about you. Your job is to set the vision, align stakeholders, make sure there's clarity on roles and responsibilities, and create and foster an environment that allows people to be successful. [6:58] Tim's leadership style is about building teams with complementary skill sets. It's not about being the smartest person in the room; it's about making sure the room is filled with smart and motivated people. [7:08] Put the right people in the right place and trust them to get the job done. People want to believe in what they're doing and who they're doing it with. It's critical to bring together people with a diversity of thought and background. Bring a variety of different viewpoints to the table. [7:28] Tim believes it's critical to get to know your people. What motivates and drives them? What are their goals and aspirations? How do they like to absorb information? [7:55] Tim views it as his job to listen, to motivate, and to remove obstacles. It's about being authentic. Don't play the role, especially for first-time leaders. You have to be open and transparent, and true to yourself. [8:32] Tim says the role of the broker has changed with the world. If brokers did the same things they did 10 to 15 years ago, they would be at risk of being obsolete. [8:44] Fifteen years ago, there was no Instagram or TikTok. You were probably on MySpace, playing music on your iPod. Some of the emerging risks that are at the forefront of today's discussions range from autonomous vehicles to data centers to digital assets and currency. [9:04] The pace of change in the industry is fast, and it's only increasing. The constant emergence of new and evolving risks requires greater specialization and the use of data analytics to deliver deeper insights into our clients' businesses. [9:18] As you look ahead, you can start to see how AI is going to have a dramatic impact on how we do business in the not-too-distant future. [9:26] Despite these advances and changes, for a broker, one thing is unchanged. Clients want us to help them see around corners. They want us to help them understand what's coming next. They look to us to provide expertise and help make decisions. [9:46] Tim says our job is to be a fierce advocate for them, to be that trusted advisor. We need to know and understand their business, the industry they operate in, and the risks associated with it. We need to understand their risk tolerance and help them solve their business need. [10:04] Quick 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. [10:26] Since 1999, Spencer has awarded over $2.9 million to create more than 570 Risk Management Internships. The Internship Grants application process is now open through October 15th, 2025. [10:43] 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. [10:57] 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. [11:11] On September 14th through the 17th, we will be in Calgary for the RIMS Canada Conference 2025. Visit RIMSCanadaConference.ca to register. [11:21] On October 1st through the 3rd, the RIMS Western Regional Conference will be held in North San Jose at the Santa Clara Marriott. The agenda is live. It looks fantastic! Visit RIMSWesternRegional.com and register today! [11:37] 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. [11:59] 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. [12:14] At the top, Justin mentioned RISKWORLD 2026. Through September 4th, the RISKWORLD education content submission process is still open. [12:23] RIMS invites you to share your experiences, best practices, and innovative strategies that represent the global outlook of risk management. Send us your submission, and who knows? We might select you to speak at RISKWORLD 2026 in Philadelphia! The link is in the show notes. [12:41] Let's Return to Our Interview with Lockton U.S. President Tim Ryan!  [13:03] Tim Ryan talks about cultivating the next generation of risk and insurance professionals. His motivation comes from his story. It's all about paying it forward. He wouldn't be where he is today without the guidance and support of some great mentors throughout his career. [13:16] Tim's mentors had no reason to want to help him, but from early on, they decided to help him reach his potential. Tim started his career as a trainee at Fireman's Fund Insurance in a branch office North of New York City. [13:36] The office manager was incredible. He was generous with his time. He was never too busy to help or answer questions. He always found ways to give Tim opportunities in meetings, in projects, or with clients. [13:49] Opportunities that Tim probably wasn't ready for, but that were part of his developmental process. Tim is incredibly grateful for the impact this manager had on his career and his life. Almost 35 years later, Tim still thinks of him as a person that he tries to emulate. [14:12] Tim says, “ So, John Lience, if you're listening, thank you! It made a difference. Give me a call. I'd love to catch up.” [14:20] Justin is glad to hear the shoutout by name. It's a small world in risk management, and everybody knows each other. John may be listening. Tim agrees, for as big an industry as it is, it is definitely a very small world. [14:33] Tim continues, fast forward to today, this is something that we're passionate about because we see it as a strategic priority for the business. Lockton invests an incredible amount of time and money into the technical and professional development of all its associates. [14:53] It starts with the first-year analysts, many of whom came out of Lockton's intern program. Leaders have an obligation to grow and develop the next generation of talent. [15:04]  It's about creating a culture of continuous learning, one where people feel valued, included, and connected to the purpose of the work and the people that they work with. [15:14] What drives and motivates Tim is that shared sense of purpose that brings everyone together. [15:34] What must the sector do differently to attract, engage, and top rising talent? Tim says the industry has made progress, but we're still not where we need to be. We have to expand the talent pool by building stronger partnerships with different schools and organizations. [15:55] The Spencer Educational Foundation is already doing the work to engage more diverse communities. These relationships help us reach individuals who may not have considered a career in risk and insurance, but bring valuable perspectives and skills. [16:08] Tim continues, beyond sourcing talent, retention has to be a priority. It's great to get people into the industry, but can we keep them? That means investing in leadership development programs accessible to a broader audience, including underrepresented groups.  [16:22] It also means helping young talent understand their purpose and how they fit within the vision of the company they're working in. When people see a path for growth and feel connected to the purpose, they're more likely to stay and thrive. [16:35] Building that workforce that better reflects the communities and businesses we serve isn't just the right thing, but it also makes our industry stronger, it makes it more innovative, and it makes it better equipped to meet the evolving needs of our clients. [16:53] Tim has attended Spencer Educational Foundation's Funding Their Future Gala for years. He was there last year for Lilian Vanvieldt-Gray. She was great! The grant recipients also spoke. They were incredibly impressive. Lockton asked two of them for their numbers and resumes. [17:26] Justin comments that the event itself can be a networking and career advancement opportunity. Tim says it was great to hear from the recipients. It brings it back to what impact the Spencer Educational Foundation has. [17:50] Justin had a great time last year, and he looks forward to seeing Tim this year, on September 18th. The Spencer Educational Foundation supports students and educational programs across the risk and insurance professions. [18:14] Tim says most young people don't have any idea what a broad, vibrant, and dynamic industry this is. We have to do more to generate awareness and excitement about our industry. [18:23] Partnerships like the one with Spencer Educational Foundation are critical. They bring awareness and help us reach smart, young, talented individuals who might not otherwise consider a career in this field. The scholarship program is a big part of that. [18:35] Lockton has been involved in the Foundation since the early days. 20 years ago, they established the John T. Lockton Memorial Scholarship through the Spencer Scholarship Program. [18:47] Lockton continues to support that program, donating over $1 million in funding for about 200 scholarships. The program is just one of the many ways Spencer is driving awareness and engagement in the industry. [18:57] Tim praises the Spencer Educational Foundation for the great work they do with colleges and universities, helping build risk management programs, facilitating internships, and bringing new people into the industry through the scholarship program. [19:06] These partnerships are essential for the future of risk and insurance because they create pathways for students to discover the unique value the profession offers. Tim says many scholarship recipients are working at Lockton today, and they are excellent. [19:37] Tim shares advice to students or early career professionals discovering risk management. “Every year, I meet with our first-year analysts and interns, and I talk to them about this very subject.” [19:45] “We talk about how big the industry is and that there are so many opportunities and career paths available to them. But the backdrop of that conversation is about the pace of change and the importance of being a continuous learner.” [19:59] “You're going to have to reinvent yourself many times over the course of your career to stay relevant, so now, at this early stage of your career, is the time to invest in yourselves. Don't get caught up in worrying about the next promotion or the next step in your career.” [20:13] “Just be patient. You're going to have plenty of time for all that. All that's going to work itself out. Just focus on gaining new experience and knowledge, and figure out what you're good at. Don't just do things. Seek to understand why.” [20:27] “Look, you can have a job or you can have a career, and they're different. But that's ultimately going to be up to you. It's your responsibility. If you focus on what you're doing and do it well, your next job will likely come from someone you're impressing today.” [20:47] “Get out of your bubble, build relationships, network, and go meet with people. Make people want to invest in you.” [21:00] “If you take nothing else out of this conversation, try to remember these things: Be curious. Ask questions. Understand why you're doing things. Show up and be present. If you can do those things, you'll ultimately be successful.” [21:20] Special thanks to Tim Ryan of Lockton for joining us here on RIMScast! We look forward to seeing him on September 18th at the Spencer Funding Their Future Gala in New York City. Visit the link in this episode's show notes for tickets and SpencerEd.org for more information. [21:40] 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. [22:09] 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. [22:27] 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. [22:44] 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. [23:01] 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. [23:15] 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. [23:27] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS ERM Conference 2025 — Nov. 17‒18 Spencer Educational Foundation 2025 Funding Their Future Gala — Sept. 18, 2025, in NYC! The call for RISKWORLD 2026 submissions is open through Sept 4. Spencer Internship Program — Registration Open Through Oct. 15. 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 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 “Tim Ryan to Receive Honor at Spencer Educational Foundation's 2025 Gala” 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 “Driving Better Incident and Claims Management with Data, Technology & Strategic Collaboration” | Sept. 18 | Sponsored by Origami Risk “Natural Hazards: A Data-Driven Guide to Improving Resilience and Risk Financing Outcomes” | Oct. 9 | Sponsored by Global Risk Consultants “Jury Dynamics: How Juries Shape Today's Legal Landscape” | Oct. 16, 2025 | Sponsored by Zurich “Parametric Insurance: Providing Financial Certainty in Uncertain Times” | Oct. 30, 2025 | Sponsored by Swiss Re “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World” | Nov. 6 | Sponsored by Hub   Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP-FED Exam Prep Virtual Workshop — November 11‒12 Full RIMS-CRMP Prep Course Schedule 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: “The Strengths of DE&I Initiatives with Lilian Vanvieldt-Gray of Alliant Insurance Services”, Spencer Gala Honoree 2024   Sponsored RIMScast Episodes: “The New Reality of Risk Engineering: From Code Compliance to Resilience” | Sponsored by AXA XL (New!) “Change Management: AI's Role in Loss Control and Property Insurance” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Demystifying Multinational Fronting Insurance Programs” | Sponsored by Zurich “Understanding Third-Party Litigation Funding” | Sponsored by Zurich “What Risk Managers Can Learn From School Shootings” | Sponsored by Merrill Herzog “Simplifying the Challenges of OSHA Recordkeeping” | Sponsored by Medcor “Risk Management in a Changing World: A Deep Dive into AXA's 2024 Future Risks Report” | Sponsored by AXA XL “How Insurance Builds Resilience Against An Active Assailant Attack” | Sponsored by Merrill Herzog “Third-Party and Cyber Risk Management Tips” | Sponsored by Alliant “RMIS Innovation with Archer” | Sponsored by Archer “Navigating Commercial Property Risks with Captives” | Sponsored by Zurich “Breaking Down Silos: AXA XL's New Approach to Casualty Insurance” | Sponsored by AXA XL “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company “Partnering Against Cyberrisk” | Sponsored by AXA XL “Harnessing the Power of Data and Analytics for Effective Risk Management” | Sponsored by Marsh “Accident Prevention — The Winning Formula For Construction and Insurance” | Sponsored by Otoos “Platinum Protection: Underwriting and Risk Engineering's Role in Protecting Commercial Properties” | Sponsored by AXA XL “Elevating RMIS — The Archer Way” | Sponsored by Archer   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Kristen Peed!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Tim Ryan, U.S. President, Lockton Spencer Educational Foundation Funding Their Future Gala's 2025 Honoree   Production and engineering provided by Podfly.  

A study by researchers at Oregon State University is working on ways to turn the waste from apples and other fruits into environmentally friendly packaging materials to replace plastic.

Welcome to the first episode of series 87, everyone! In this series, we are covering Cosmic Century Knights, a retro anime and JRPG inspired fantasy TTRPG about wielding one of 100 unique swords to save the world, with designer and returning guest, James D'Amato! In today's episode, we learn all about the history of this game, including some interesting history on the origins of the JRPG genre of video games! Character Creation Cast Patreon https://patreon.com/charactercreationcast Announcements: One Shot Network Twitch: https://twitch.tv/oneshotrpg 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 James D'Amato: BlueSky: https://bsky.app/profile/oneshotrpg.bsky.social Website: https://oneshotpodcast.com One Shot Network Bluesky: https://bsky.app/profile/oneshotnetwork.bsky.social Campaign Skyjacks: https://oneshotpodcast.com/actual-play/campaign/skyjacks/ Starwhal: https://oneshotpodcast.com/starwhal/ The Ultimate RPG Podcast: https://oneshotpodcast.com/interview-discussion/the-ultimate-rpg-podcast/ Games/Tools discussed this episode: Cosmic Century Knights Crowdfunding Campaign: Website: https://www.kickstarter.com/projects/crum/cckhcc Timestamps: (00:00:00) - Announcements (00:01:31) - Introductions (00:04:47) - What's in a game? - Core Concept (00:09:07) - The Setting (00:14:43) - Materials needed for play (00:15:30) - Stories and Themes (00:19:38) - What can characters do in this game? (00:29:52) - What is unique? (00:32:06) - History of the game (00:39:07) - Kickstarter Details (00:41:20) - Terms and Concepts (00:43:37) - Cold Open (00:51:55) - Credits Music: Opening: Meditation Impromptu 03 (https://freemusicarchive.org/music/Kevin_MacLeod/Calming/Meditation_Impromptu_03) by Kevin MacLeod Clip 1: Back to the End by Strength To LastOn Soundstripe: https://app.soundstripe.com/songs/15269 Clip 2: Chaos Knight by AllexOn Soundstripe: https://app.soundstripe.com/songs/16443 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

A study by researchers at Oregon State University is working on ways to turn the waste from apples and other fruits into environmentally friendly packaging materials to replace plastic.

Get ready for what's ahead as we learn more about how to "Live A Life Of Unstoppable Strength." Today's message is the "Shield of Faith to Quench the Fiery Darts" by Pastor Nancy Cole.. 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

Exodus 35:4-40:38 // Rachel NesseThis sermon explores the communal effort and divine guidance involved in the creation of the Tabernacle. We will examine the willing contributions of the Israelites, the skilled craftsmanship employed, and the step-by-step construction of the tent of meeting, the Ark of the Covenant, the altar, and other sacred items. The sermon concludes with the cloud of God's presence filling the completed Tabernacle.SERMON NOTES (YouVersion): https://bible.com/events/49482847PRAYER REQUESTS: https://ccefc.ccbchurch.com/goto/forms/2542/responses/new25.08.31

Exodus 35:4-40:38 // Ben BeasleyThis sermon explores the communal effort and divine guidance involved in the creation of the Tabernacle. We will examine the willing contributions of the Israelites, the skilled craftsmanship employed, and the step-by-step construction of the tent of meeting, the Ark of the Covenant, the altar, and other sacred items. The sermon concludes with the cloud of God's presence filling the completed Tabernacle.SERMON NOTES (YouVersion): https://bible.com/events/49482848PRAYER REQUESTS: https://ccefc.ccbchurch.com/goto/forms/2509/responses/new25.08.31

Exodus 35:4-40:38 // Manny CheryThis sermon explores the communal effort and divine guidance involved in the creation of the Tabernacle. We will examine the willing contributions of the Israelites, the skilled craftsmanship employed, and the step-by-step construction of the tent of meeting, the Ark of the Covenant, the altar, and other sacred items. The sermon concludes with the cloud of God's presence filling the completed Tabernacle.SERMON NOTES (YouVersion): https://bible.com/events/49482849PRAYER REQUESTS: https://ccefc.ccbchurch.com/goto/forms/2553/responses/new25.08.31

Exodus 35:4-40:38 // Bill GormanThis sermon explores the communal effort and divine guidance involved in the creation of the Tabernacle. We will examine the willing contributions of the Israelites, the skilled craftsmanship employed, and the step-by-step construction of the tent of meeting, the Ark of the Covenant, the altar, and other sacred items. The sermon concludes with the cloud of God's presence filling the completed Tabernacle.SERMON NOTES (YouVersion): https://bible.com/events/49482850PRAYER REQUESTS: https://ccefc.ccbchurch.com/goto/forms/2546/responses/new25.08.31

Exodus 35:4-40:38 // Jacob VangenThis sermon explores the communal effort and divine guidance involved in the creation of the Tabernacle. We will examine the willing contributions of the Israelites, the skilled craftsmanship employed, and the step-by-step construction of the tent of meeting, the Ark of the Covenant, the altar, and other sacred items. The sermon concludes with the cloud of God's presence filling the completed Tabernacle.SERMON NOTES (YouVersion): https://bible.com/events/49482846PRAYER REQUESTS: https://ccefc.ccbchurch.com/goto/forms/2574/responses/new25.08.31

What do rockets, robots, and a looming recession have in common? They're all part of the August issue of Mechanical Engineering magazine, and our top picks for today's podcast.Reusable Rockets Don't Just Fly, They Sweat by Nicole Imeson looks at a surprising new idea for spacecraft design. Robots as Materials? by Nancy Kristof showcases research where biology and robotics meet in unexpected ways. And Bracing for Uncertainty by Kayt Sukel asks what economic turbulence could mean for engineers and their careers.

In this episode, Dr. Rena Malik, MD welcomes Dr. Aaron Fischman, an expert in interventional radiology, to discuss prostate artery embolization as a minimally invasive treatment for enlarged prostate (BPH). Together, they explore how the procedure works, its success rates, what patients can expect before and after, and the latest advancements in technique and safety. Listeners will gain a comprehensive understanding of the benefits, risks, and evolving future of this innovative approach to men's health. Become a Member to Receive Exclusive Content: renamalik.supercast.com Schedule an appointment with me: https://www.renamalikmd.com/appointments ▶️Chapters: 00:00 Introduction 02:11 What is artery embolization? 03:56 Prostate artery embolization explained 05:57 Access through wrist vs. groin 08:56 Materials used for embolization 13:34 Patient workup and evaluation 16:35 Success rates and patient selection 21:06 Risks and complications 29:09 Long-term outcomes and recurrence 39:43 Finding an expert interventional radiologist Stay connected with Dr. Aaron Fischman on social media for daily insights and updates. Don't miss out—follow him now and check out these links! X - https://x.com/bonesz?s=21&t=capJF_nC6iMJjJWqHuZeYw LINKEDIN - https://www.linkedin.com/in/aaron-fischman-md-fsir-fcirse-fsvm-213a234?utm_source=share&utm_campaign=share_via&utm_content=profile&utm_medium=ios_app YOUTUBE - https://youtube.com/@aaronfischmanmd?si=wP7jb0Za32H9Y_mE Let's Connect!: WEBSITE: http://www.renamalikmd.com YOUTUBE: https://www.youtube.com/@RenaMalikMD INSTAGRAM: http://www.instagram.com/RenaMalikMD TWITTER: http://twitter.com/RenaMalikMD FACEBOOK: https://www.facebook.com/RenaMalikMD/ LINKEDIN: https://www.linkedin.com/in/renadmalik PINTEREST: https://www.pinterest.com/renamalikmd/ TIKTOK: https://www.tiktok.com/RenaMalikMD ------------------------------------------------------ DISCLAIMER: This podcast is purely educational and does not constitute medical advice. The content of this podcast is my personal opinion, and not that of my employer(s). Use of this information is at your own risk. Rena Malik, M.D. will not assume any liability for any direct or indirect losses or damages that may result from the use of information contained in this podcast including but not limited to economic loss, injury, illness or death. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this two-part episode, Nick & guest co-host, Dan Cherry, speak with Professor Anthony Lucas of UNLV's William F. Harrah College of Hotel Administration. Tune-in as we discuss and debate some of Anthony's seminal, award-winning analyses, and chat about the status and future of gaming education & research. Also in this episode, growing concerns about economic headwinds.  © 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

In this two-part episode, Nick & guest co-host, Dan Cherry, speak with Professor Anthony Lucas of UNLV's William F. Harrah College of Hotel Administration. Tune-in as we discuss and debate some of Anthony's seminal, award-winning analyses, and chat about the status and future of gaming education & research. Also in this episode, growing concerns about economic headwinds.  © 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

We definitely won't see a space elevator built in any foreseeable future. But there is a similar but much more practical approach – a skyhook. How close are we to creating one? Why is it useful? What challenges does it bring and when can we expect first practical demonstrations? Finding out in this interview.

As a listener of TOE you can get a special 20% off discount to The Economist and all it has to offer! Visit https://www.economist.com/toe In this episode, I speak with Matthieu Pageau, author of The Language of Creation. This is a rare (and almost unbelievable) interview. With a high degree of likelihood, I can say that this interview, if watched all the way until the end, will change your life. Pageau argues that Satan is first a function—the tester and accuser—before a villain. Think Job's auditor or a hired penetration tester. When will-to-power takes over, the function falls. He lays out a symbolic grammar: heaven as plan, earth as materials. Water renews. The feminine crowns and renovates forms. Abraham and Moses act as faithful adversaries. Adam and Eve show what secrecy breaks. Borderline stories like Tamar and Ruth trace exile and redemption. Pageau speaks from his own exile, leaning Orthodox/Catholic, critiquing without grasping for power, and letting reality correct him. Join My New Substack (Personal Writings): https://curtjaimungal.substack.com Listen on Spotify: https://open.spotify.com/show/4gL14b92xAErofYQA7bU4e Timestamps: - 00:00 - Who Are You? (Identity as Relational vs. Self-Defined) - 04:54 - How Matthieu's Project Differs From His Brother's (Jonathan Pageau) - 10:25 - The God-Created Function of Satan vs. The Fallen Entity - 18:34 - Are Internal Critics “Functional Satanists”? - 23:02 - Satan in the Book of Job: The Divine Hacker - 27:50 - The Axioms of Reality: A Computer Scientist's Worldview - 32:08 - Heaven as “The Plan,” Earth as “The Materials” - 36:50 - The Dual Nature of Chaos (Symbolism of Water) - 44:08 - Why Are Women Central to the Resurrection Story? - 49:14 - The Simple Act That Could Have Prevented “The Fall” - 52:18 - Gödel's Incompleteness Theorem as the ‘Feminine' Crown - 59:31 - Redeeming the Exiled: The Pattern of Ruth - 1:05:00 - A Christian in Exile: Matthieu's Spiritual Homelessness - 1:16:15 - How to Escape Metaphysical Exile - 1:21:44 - The Will to Power: When Criticism Becomes Corrupt - 1:26:53 - The Paradox: Why You MUST Believe Yours is ‘The Real Church' - 1:34:25 - What ‘Nature' Truly Means - 1:47:44 - Why Renewal, Updating, and Competition Are ‘Feminine' - 1:55:10 - The Story of Tamar: Deception as Righteous Renewal - 2:01:00 - How to Read the Bible Symbolically - 2:09:51 - Why Symbolism Applies to Stories, Not Raw Data - 2:21:34 - The ‘Dangerous' Vision That Birthed The Book - 2:31:31 - Mind vs. Spirit vs. Outlook (And The Final Paradox) Links Mentioned: - The Language Of Creation [Book]: https://www.amazon.com/Language-Creation-Symbolism-Genesis-Commentary/dp/1981549331/ref=tmm_pap_swatch_0 - Jonathan Pageau [TOE]: https://youtu.be/X3co_AA6yec - Wolfgang Smith [TOE]: https://youtu.be/vp18_L_y_30 - Claudia de Rham [TOE]: https://youtu.be/Ve_Mpd6dGv8 - Leo Gura [TOE]: https://youtu.be/YspFR9JAq3w - The Story Of The Fall: https://www.biblegateway.com/passage/?search=Genesis%203&version=NIV - The Most Abused Theorem In Math [TOE]: https://youtu.be/OH-ybecvuEo SUPPORT: - Become a YouTube Member (Early Access Videos): https://www.youtube.com/channel/UCdWIQh9DGG6uhJk8eyIFl1w/join - Support me on Patreon: https://patreon.com/curtjaimungal - Support me on Crypto: https://commerce.coinbase.com/checkout/de803625-87d3-4300-ab6d-85d4258834a9 - Support me on PayPal: https://www.paypal.com/donate?hosted_button_id=XUBHNMFXUX5S4 SOCIALS: - Twitter: https://twitter.com/TOEwithCurt - Discord Invite: https://discord.com/invite/kBcnfNVwqs Guests do not pay to appear. Theories of Everything receives revenue solely from viewer donations, platform ads, and clearly labelled sponsors; no guest or associated entity has ever given compensation, directly or through intermediaries. #science Learn more about your ad choices. Visit megaphone.fm/adchoices

In aerospace and defense, every breakthrough is built on material science. From the alloys powering jet engines to the composites shielding spacecraft, innovation isn't just about design—it's about what the machines are made of.  Yet the way we discover and scale new materials hasn't meaningfully changed in more than a century. Research cycles drag on for decades, costs skyrocket, and supply chains remain fragile.  Meanwhile, other nations have poured resources into material science—developing advanced alloys, stockpiling rare earths, and in many ways, weaponizing the periodic table. That leaves the U.S. and its allies with a hard question: how do you compete with adversaries accelerating discovery while you're trapped in outdated cycles? The future of hypersonics, space defense, and even energy security depends on faster, smarter breakthroughs in material science. That's where Joe Krause and Radical AI come in. The New York–based startup is combining AI, autonomy, and materials expertise to compress R&D timelines from years to weeks—and slash costs along the way. In this episode, Joe shares how a cold call to a VC led to the founding of Radical AI, why aerospace innovation is fundamentally a materials problem, and what's at stake in a world where control of supply chains may decide the balance of power. You'll learn: How Radical AI's “materials flywheel” is redefining discovery and deployment Why rare earths and advanced alloys are now a geopolitical flashpoint What it takes to build a deep-tech culture driven by speed and mission Joe's journey from PhD researcher to founder—and how it could reshape the future of defense and space   Guest Bio Joe Krause is the co-founder and CEO of Radical AI. Radical AI is reinventing the way materials science is done and designing new materials for the world's needs. Harnessing the most advanced AI discovery engine and full-scale laboratory automation, they're pioneering a bold new era of innovation, accelerating the development of materials that transform human development. Radical AI is made up of a world-class group of materials scientists, physicists, engineers, and entrepreneurs. Visit https://www.radical-ai.com/, email joseph@radical-ai.com, or connect with him on LinkedIn.    About Your Host Craig Picken is an Executive Recruiter, writer, speaker and ICF Trained Executive Coach. He is focused on recruiting senior-level leadership, sales, and operations executives in the aviation and aerospace industry. His clients include premier OEMs, aircraft operators, leasing/financial organizations, and Maintenance/Repair/Overhaul (MRO) providers and since 2008, he has personally concluded more than 400 executive-level searches in a variety of disciplines. Craig is the ONLY industry executive recruiter who has professionally flown airplanes, sold airplanes, and successfully run a P&L in the aviation industry. His professional career started with a passion for airplanes. After eight years' experience as a decorated Naval Flight Officer – with more than 100 combat missions, 2,000 hours of flight time, and 325 aircraft carrier landings – Craig sought challenges in business aviation, where he spent more than 7 years in sales with both Gulfstream Aircraft and Bombardier Business Aircraft. Craig is also a sought-after industry speaker who has presented at Corporate Jet Investor, International Aviation Women's Association, and SOCAL Aviation Association.    Check out this episode on our website, Apple Podcasts, or Spotify, and don't forget to leave a review if you like what you heard. Your review feeds the algorithm so our show reaches more people. Thank you! 

President Donald Trump announced that Attorney General Pam Bondi is “working very hard” to sue the company responsible for selling unused components of the border wall.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Embedded in the Perseverance rover are five swatches of material that could help prepare astronauts for a future trip to Mars.

In this ImpactVest podcast, Auda Sakho, Founder and Creative Director at Redress Laboratory and Co-Founder of Grassroots Arts Studios CIC, shares how she works across fashion, policy, and cultural events to promote sustainability and systemic change in the fashion industry. Through Redress Laboratory and Grassroots Arts Studios, she supports underrepresented creatives, develops sustainable biomaterials, and advocates for Digital Product Passports to ensure traceability and transparency in fashion supply chains. She emphasises the need for educational reform, urging schools and universities to train system thinkers, material innovators, and compliance experts instead of just traditional designers.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Ondrea Matthews, Sr. Director, Risk Management & Benefits at CoorsTek. Ondrea is also on the board of RIMS. She will be presenting at the RIMS Western Regional on October 2, “Gone But Not Forgotten: Mastering Absence, Disability, and Risk Without Losing Your Sanity!” Justin and Ondrea cover her risk career, the history of CoorsTek, her risk philosophy, and her experiences on the RIMS Rocky Mountain Chapter Board and the RIMS Global Board. She suggests how risk managers can work with HR to bring value to the organization.   Listen to learn about Ondrea's upcoming presentation at the RIMS Western Regional Conference.   Key Takeaways: [:01] About RIMS and RIMScast. [:14] The call for educational content submissions for RISKWORLD 2026 is open through September 4th! A link is in this episode's show notes. [:28] About this episode of RIMScast. We will discuss HR risks with Ondrea Matthews, the Senior Director of Risk Management and Benefits at Coorstek. She is also a RIMS Board Director. She will share her risk perspective. [:55] RIMS-CRMP Workshops! The next Virtual RIMS-CRMP exam prep, co-hosted by Parima, will be held on September 2nd and 3rd. [1:06] The next RIMS-CRMP-FED virtual workshop will be held on November 11th and 12th, and led by Joseph Mayo. Links to these courses can be found on the Certification Page of RIMS.org and through this episode's show notes. [1:22] RIMS Virtual Workshops! RIMS has launched a new course, “Intro to ERM for Senior Leaders.” It will be held again on November 4th and 5th and will be led by Elise Farnham. RIMS members enjoy deep discounts! [1:39] The full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's notes. [1:50] 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”. [2:03] On September 18th, Origami Risk will present “Driving Better Incident and Claims Management with Data, Technology & Strategic Collaboration”. [2:12] On October 30th, Swiss Re will present “Parametric Insurance: Providing Financial Certainty in Uncertain Times”. [2:20] On November 6th, Hub will present “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World”. Register at RIMS.org/Webinars. [2:32] 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. [2:53] See the full agenda at RIMS.org/ERM2025. [2:59] 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. [3:14] 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. [3:26] 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. [3:41] On with the show! Our guest today is Ondrea Matthews. She is the Senior Director for Risk Management at CoorsTek. She is also a RIMS Board Director. On October 2nd, she will have a key role at the RIMS Western Regional Conference at the Santa Clara Marriott in California. [4:02] On the afternoon of October 2nd, she will be co-leading the session “Gone But Not Forgotten: Mastering Absence, Disability, and Risk Without Losing Your Sanity!” We're going to get a preview of that session, and she'll be speaking to us from experience. Let's get to it! [4:19] Interview! Ondrea Matthews, welcome to RIMScast! [4:25] As of January 2025, Ondrea is on the RIMS Board of Directors. Ondrea will be a presenter at the RIMS Western Regional Conference on October 2nd, partnering with ESIS, talking about Gone But Not Forgotten, touching on absence management. [5:04] Ondrea started as an engineering major. With an engineering degree, Ondrea moved from Michigan to Colorado and landed in claims. She was a Workers' Compensation claims adjuster and manager for about 11 years. She decided that claims was not where she wanted to be. [5:29] Eighteen years ago, Ondrea moved to CoorsTek as their Risk Manager. It's been great at CoorsTek with a lot of opportunities, from Risk Manager to her current role, Senior Director of Risk Management and Benefits. She oversees insurance. [5:59] CoorsTek has nothing to do with beer. Adolph Coors founded CoorsTek in 1910. He is also the Founder of Coors Brewing. He branched out into ceramics. CoorsTek is the leading global manufacturer of technical ceramics in the world. It's headquartered in Golden, Colorado. [5:36] Justin and Ondrea comment on the beauty of Golden, Colorado. Justin likes the Coors Brewery and recommends the tour. He says Coors Ceramics (CoorsTek) is a close second. Both Coors Brewing and CoorsTek are owned and managed by the Coors family. [7:08] CoorsTek has 30 facilities across 10 countries. Ondrea has visited the majority of the CoorsTek facilities and has built relationships with the local leadership teams in Finance, Human Resources, and Health and Safety. [7:34] CorsTek manufactures thousands of parts, but the processes and materials are fairly consistent. They have a very low claim volume. That allows the risk team to focus on streamlining renewals, process improvements, and communication flow. [7:48] They prioritize larger strategic initiatives in alignment wth their corporate vision. It's not challenging when they all come together for the same common purpose. [8:13] Ondrea's team includes Ondrea, with a full-time Risk Manager and a part-time Workers' Compensation Manager. It's a department of 2.5. The work ebbs and flows. Between renewals and with low claim volume, there is some downtime to work on projects and other initiatives. [8:36] CoorsTek is looking at further developing its fleet management and maintaining alignment with global partners. The size of the risk team is good for CoorsTek. [8:51] Ondrea prioritizes risks by the largest exposure. CoorsTek pays attention to what is most impactful and prioritizes the health and safety of its employees. That's through Workers' Compensation, Health and Safety Partnerships with the global EHS staff. [9:12] CoorsTek looks at its property exposures. Its property insurer has a robust Risk Engineering department. CoorsTek has a dedicated Property Protection Engineer. CoorsTek prioritizes people first, and then the balance sheet and the financials. [9:31] CoorsTek is a very innovative company. The teams are always bringing a new product or process to the table. They look for ways to protect the company's financials while still enabling growth; for ways to say yes to the business while making them aware of the risks and costs. [10:17] Ondrea explains how she oversees benefits. Benefits represent a large strategic risk and opportunity, as well as increased fiduciary responsibility. [10:39] Ondrea explains that changing a health care provider requires not just a detailed financial analysis but also assessing the risk related to employee engagement, comprehensive communication, access to care, and employees' emotional well-being. [11:00] It's a framework of risk identification, assessment, and response. [11:05] Ondrea monitors risks like medical inflation, pharmacy management shifts, compliance, and vendor performance, to continually reduce financial exposure to the company and employees, related to large losses, changes in prescription coverage, deductibles, and more. [11:24] CoorsTek works with partners, consultants, and local human resource teams on responses to support and clarify for its employees. [11:44] At CoorsTek, risk doesn't just belong to Ondrea and her team. Risk is addressed by every function, every day. CoorsTek has a wide expanse of expertise, and they've brought everyone together to support the company. [12:01] They have a global trade department, a supply chain, and a government affairs position, and they've kept on top of the tariffs for the organization, reporting on changes weekly or bi-weekly. CoorsTek's Health and Safety team is also global. They stay on top of regulations. [12:19] Ondrea appreciates the collaboration they all have at CoorsTek. It makes her job easier. When they say risk, it doesn't mean Ondrea and her team. Every department comes together to face all the new challenges they are seeing recently in the economy. It's in the KoorsTek culture. [12:57] Ondrea is fortunate to have access to CoorsTek's leadership. Most of the employees do. The CEOs have direct email lines, and any employee is welcome to reach out at any time. [13:24] In Ondrea's unique role, combining risk and benefits, she has the opportunity to join the Human Resources team and the Finance leadership teams, and she reports directly to the CFO for the family company. [13:40] The family has helped build and support mechanisms for communicating with leadership. They do skip-levels. Everybody feels respected as individuals. Ondrea joined the company when they had one global location, and the company was a lot smaller. [14:05] Ondrea has been able to grow with the company and see the evolution that has come with that growth. It's exciting to see all the innovation and all the ways that CoorsTek continues to contribute to the communities and the world. [14:23] Quick Break for 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. [14:38] 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! [14:55] 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. [15:17] 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. [15:32] At the top, Justin mentioned RISKWORLD 2026. Through September 4th, the RISKWORLD education content submission process is still open. [15:41] RIMS invites you to share your experiences, best practices, and innovative strategies that represent the global outlook of risk management. Send us your submission, and who knows? We might select you to speak at RISKWORLD 2026 in Philadelphia! The link is in the show notes. [15:59] Let's Return to My Interview with RIMS Board Director Ondrea Matthews!  [16:11] Ondrea is a member of the RIMS Rocky Mountain Chapter. Rocky Mountain Chapter members Emily Buckley, Emily Bloedel, and Neil Colclough have been guests on RIMScast. Ondrea joined about 18 years ago when she started at CoorsTek. She's glad she joined. [17:02] The RIMS Rocky Mountain Chapter has been amazing. It helped create a community for Ondrea. She joined, not knowing a lot about risk management. The chapter has been a source of support for her for her entire career. She wouldn't be where she is today without that community. [17:40] Ondrea joined the chapter board and has held a lot of board positions, including Past President, Community Service Chair, and Secretary. She finds her time with the chapter to be invaluable. She was excited that Neil Colclough won the Volunteer of the Year award. [18:07] It's exciting to see the energy that the current board has. [18:21] As of January of this year, Ondrea is a member of the Global RIMS Board. She loves her interactions with RIMS. She likes the camaraderie and impact that you have from serving on a board. [18:53] The opportunity to serve on the RIMS Global Board came up. It was an intense process to be nominated. She's learning a lot. She's surrounded by great leaders who have been on the board for a couple of years. She loves the energy Kristen Peed brings to the board. [19:46] RIMS emphasizes professional development, inclusivity, and innovation in risk management. Ondrea's passion is giving back to the community. She appreciates the inclusion that RIMS brings. It brings together people from every walk of life and level of risk management. [20:45] Ondrea feels that RIMS's culture is very inclusive. She was welcomed with open arms. She hopes that everyone else in the RIMS community is feeling welcomed and that we want their thoughts, ideas, and their participation. [21:03] Ondrea appreciates the inclusion around RIMS. Professional development and innovation go hand in hand. You need to educate to innovate. Risk managers need to stay ahead of innovation, bring ideas to the table, and not just solve problems as they are presented. [21:31] Ondrea talks about workforce well-being and risk management, and the risks of recruitment, retention, absenteeism, and presenteeism. These are not as easy to quantify as an actuarial analysis for future claims and IBNR projections. They rely on human behavior. [22:12] CoorsTek gathers data through annual engagement surveys and Great Places to Work surveys, and addresses those results with action items, identifying areas of risk to its human capital and employee well-being. [22:27] Ondrea thinks you need to look at employee well-being through a different lens than “How is everybody feeling today, and how are they reacting to surveys?” You need to look at them with respect to absenteeism. Why are employees not showing up? [22:56] What are you doing to improve their work-life balance or get them other supports that they may need in their lives so that they can be present at work? [23:07] A Final Break! The Spencer Educational Foundation's goal to help build a talent pipeline of risk management and insurance professionals is achieved, in part, by its collaboration with risk management and insurance educators across the U.S. and Canada. [23:27] Since 1999, Spencer has awarded over $2.9 million to create more than 570 Risk Management Internships. The Internship Grants application process is now open through October 15th, 2025. [23:43] 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. [23:57] 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. [24:16] 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. [24:24] Let's Conclude Our Interview with Ondrea Matthews! [24:31] Ondrea will be at the RIMS Western Regional Conference on October 2nd. She is very excited. This is her 3rd Western Regional Conference. She's kicking herself for not having gone all these years in the past. [24:50] Ondrea says the vibe there is one of connections. It's a lot smaller than RISKWORLD. The Western Regional Conference is a little more laid back. There's more time to create connections and have meaningful conversations. [25:16] It provides the opportunity to create a network with people who have the same challenges as you. There's a session on wildfires. Someone in another region may not have a wildfire exposure like they have in the Western Region. It brings people together. [25:46] Ondrea will have a session on October 2nd, “Gone But Not Forgotten: Mastering Absence, Disability, and Risk Without Losing Your Sanity!” She will co-present with Brett Wilson of ESIS, a Chubb company. [26:04] The session title is a mouthful! Ondrea says she is excited to present the topic with Brett. They are getting to know each other now. [26:35] Ondrea has sat on the planning committee for the Western Regional Conference for the last couple of years. Ondrea is the conference liaison for ESIS. ESIS wanted to present this topic, and they asked Ondrea if she knew anyone who would be able to speak on this with them. [27:05] As Ondrea was already familiar with the ESIS team and currently leads absence management within CoorsTek, it seemed that she would be a really good fit, so she will be co-presenting with ESIS. [27:20] Ondrea says there are so many changes in compliance and regulation regarding absence management that it is an organizational risk. It's not just an employee well-being risk, but it's also a compliance and financial risk. [27:39] The regulations change quickly. If you are a national company across the U.S., every state has its nuance. You have to know what every state is doing where you have employees, whether it's a virtual employee or hundreds of employees.  [28:02] Regulations can put your organization at significant risk for non-compliance. There's also a reputational risk that goes along with non-compliance. [28:24] The presentation will include tips and thoughts on avoiding the common pitfalls that organizations face in navigating these regulations. [28:37] Ondrea suggests helping risk leaders connect more with their Human Resource partners, create more value for them within the company, and create more value for the company. [28:53] Ondrea will give the audience time to ask questions and share stories. Ondrea says the best sessions are interactive. Presenters learn as much from an audience as they hope the audience is going to learn from them. [29:12] Each attendee has a unique mindset and situation. Sharing unique situations helps broaden everyone's overview of how to address and potentially help solve problems. [29:27] If you're going to attend, everybody bring your questions! Ondrea's very personable and easy to speak with. Even after the session, people come up to her. She will be at the Western Regional Conference for the entire time, hoping to get some good sessions in. [29:43] Ondrea says she is available anytime through LinkedIn or email. She is happy to connect. [30:09] Ondrea shares how empathetic communication can help defuse a risky or contentious employee absence situation. Keep in mind that when an employee is on leave, it's because they are going through a significant life event. We need to have ongoing communications with them. [30:30] People think that when an employee's not at work, they shouldn't talk to them or bother them. Ondrea says you need to continue to let your employees know they're a part of the organizational family still and that you care for them. [30:51] Empathy goes a really long way. Listening and active listening help, even if you don't have answers for what they're going through. Let them know that you are going to help them navigate this. [31:04] CoorsTek has a great internal team that helps manage, leads, and is the point for employee communication. CoorsTek outsources its leave management to distance itself from the regulatory environment and focus on the employee as a person. [31:30] Justin adds that it's that sort of perspective that you're going to get at the RIMS Western Regional Conference when you go to Ondrea's session on October 2nd, “Gone But Not Forgotten.” Do not forget to go and attend! Ondrea is looking forward to seeing everyone there! [31:52] Special thanks again to Ondrea Matthews of CoorsTek and the RIMS Board of Directors for joining us here at RIMScast. Remember to see her at the RIMS Western Regional Conference from October 1st through the 3rd. [32:06] Ondrea will deliver the session on October 2nd, “Gone But Not Forgotten: Mastering Absence, Disability, and Risk Without Losing Your Sanity!” The conference will be held at the lovely Santa Clara Marriott in California. [32:20] Register, attend, and tell Ondrea that you heard her first here on RIMScast! [32:27] 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. [32:55] 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. [33:13] 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. [33:31] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [33:47] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [34:01] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [34:13] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS ERM Conference 2025 — Nov. 17‒18 The call for RISKWORLD 2026 submissions is open through Sept 4. 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 Internship Program — Registration Open Through Oct. 15. 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.coorstek.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 “Driving Better Incident and Claims Management with Data, Technology & Strategic Collaboration” | Sept. 18 | Sponsored by Origami Risk “Parametric Insurance: Providing Financial Certainty in Uncertain Times” | Oct. 30, 2025 | Sponsored by Swiss Re “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World” | Nov. 6 | Sponsored by Hub   Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP 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 | Nov. 4‒5 | Instructor: Elise Farnham See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes: “Vendor Management with David Neikrug” “ERM, Retail, and Risk with Jeff Strege” “Supply and Bike Chains with Emily Buckley”   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: Ondrea Matthews, Sr. Director, Risk Management & Benefits, CoorsTek   Production and engineering provided by Podfly.  

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

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

Get ready for what's ahead as we learn more about how to "Live A Life Of Unstoppable Strength." Today's message is "Shod Your Feet With The Gospel Of Peace" by Nina Jouni. 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

Dr. Brett Kessler returns for a conversation with KJ on the latest trends and the developments in the Dental World. We talk AI, Materials, Digital Workflows, Labs, if you're a dentist you do NOT want to miss this episode! Ladies & Gentlemen, you're listening to "Confessions From A Dental Lab" and we're happy you're here. Subscribe today and tell a friend so we can all get 1% better :)Connect with Dr. Kessler on instagram at @bikodds and email him at kesslerb@ada.orgFollow KJ & NuArt on Instagram at @lifeatnuartdental, you can also reach us via email: kj@nuartdental.comAsk us about our scanner program!Learn more about the lab and request information via our website: https://nuartdental.com/contact

Benjamin and Chance discuss the supposed new ‘TechWoven' cases coming from Apple for the iPhone 17 lineup, Apple reportedly exits the MLB streaming partnership, and iOS 26 beta 7 shows we are close to launch on Apple's next bumper product cycle. Also, they tackle some listener questions in another installment of Ask9to5Mac. And in Happy Hour Plus, after Chance already beat Benjamin on the annual predictions made in January, the pair craft up another three picks for the rest of 2025. Subscribe at 9to5mac.com/join. Sponsored by BMX: Check out BMX's SolidSafe™ power bank, built with cutting-edge solid-state battery technology that eliminates flammable liquid lithium for a safer, more durable charging experience. Sponsored by Caldera Lab: High performance men's skincare. Get 20% off your first order at CalderaLab.com/HAPPYHOUR Sponsored by Constant Contact: Email marketing, made easy. Get a free thirty-day trial at constantcontact.com.  Sponsored by Shopify: Grow your business no matter what stage you're in. Sign up for a $1 per month trial at shopify.com/happyhour. Hosts Chance Miller @chancemiller.me on Bluesky @chancehmiller@mastodon.social @ChanceHMiller on Instagram @ChanceHMiller on Threads Benjamin Mayo @bzamayo on Twitter @bzamayo@mastodon.social @bzamayo on Threads Subscribe, Rate, and Review Apple Podcasts Overcast Spotify 9to5Mac Happy Hour Plus Subscribe to 9to5Mac Happy Hour Plus! Support Benjamin and Chance directly with Happy Hour Plus! 9to5Mac Happy Hour Plus includes:  Ad-free versions of every episode  Pre- and post-show content Bonus episodes Join for $5 per month or $50 a year at 9to5mac.com/join.  Feedback Submit #Ask9to5Mac questions on Twitter, Mastodon, or Threads Email us feedback and questions to happyhour@9to5mac.com Links iPhone 17 Pro case has surprising name after FineWoven mess, box hints at new Apple accessory iPhone 17 Pro case line may have new leather alternative after flawed FineWoven Apple TV+ among ‘final contenders' for MLB Sunday Night Baseball, playoff games Report: Apple strikes out of baseball coverage on Apple TV+, Friday Night Baseball to end iOS 26 beta 7 now available New iOS 26 and watchOS 26 betas include redesigned Blood Oxygen feature in the US Everything new in iOS 26 beta 7 iOS 26 beta 7 adds toggle for new battery notifications Apple Watch regains edge in one key way Next year's Apple Watch could add Touch ID, per leaked code Apple's first Mac with 5G cellular might be coming sooner than we thought Leak reveals new Studio Display might have surprisingly powerful chip Is the Camera Control button one of the biggest iPhone flops? Spotify copies Apple Music's AutoMix feature before iOS 26 even ships

Modern techno-industrial civilization is running up against the law of diminishing returns - and societal collapse is inevitable. B, author of The Honest Sorcerer blog, reveals why our civilizational complexity carries the seeds of its own destruction. Highlights include: What led B (who also shares his reasons for remaining anonymous) from believing modern civilization would persist for centuries to recognizing collapse as inevitable; Why diminishing returns on energy, materials, and innovation are central to the collapse of complex societies; Why societal collapse is a long process taking place over decades or centuries rather than a single event, unfolding as a stair-step decline with sharp drops in complexity followed by brief recoveries and stabilizations; Why declining fertility rates should be embraced as a natural adjustment to overpopulation, rather than a cause for elite-driven panic; Why collapse will be liberating for some, devastating for most, and why adaptation to a simpler life will favor poorer communities that already know how to live simply; How and when to strategically leverage large-scale political change, and the role writers, thinkers, and local action can play in helping people face collapse more calmly . See episode website for show notes, links, and transcript:  https://www.populationbalance.org/podcast/the-honest-sorcerer   OVERSHOOT | Shrink Toward Abundance OVERSHOOT tackles today's interlocked social and ecological crises driven by humanity's excessive population and consumption. The podcast explores needed narrative, behavioral, and system shifts for recreating human life in balance with all life on Earth. With expert guests from wide-ranging disciplines, we examine the forces underlying overshoot: from patriarchal pronatalism that is fueling overpopulation, to growth-biased economic systems that lead to consumerism and social injustice, to the dominant worldview of human supremacy that subjugates animals and nature. Our vision of shrinking toward abundance inspires us to seek pathways of transformation that go beyond technological fixes toward a new humanity that honors our interconnectedness with all beings.  Hosted by Nandita Bajaj and Alan Ware. Brought to you by Population Balance. Subscribe to our newsletter here: https://www.populationbalance.org/subscribe Support our work with a one-time or monthly donation: https://www.populationbalance.org/donate Learn more at https://www.populationbalance.org Copyright 2025 Population Balance

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews David Neikrug, CEO at Optimatum Solutions, about managing vendors of employer-sponsored healthcare and a recent Optimatum Solutions report, “A Path Not Taken: Vendor Management in Employer-Sponsored Healthcare”. David explores with Justin the topic of applying risk management tools to HR programs and plans, an area that risk managers rarely visit. They touch on ways for risk managers to contribute at the table using the risk management skills and tools that they have applied to recognized risk areas for years.   Listen to learn about the benefits of managing benefit plan vendors.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. Our topic is vendor management. We will dive deeply with Optimatum Solutions CEO, David Neikrug. [:40] RIMS-CRMP Workshops! The next Virtual RIMS-CRMP exam prep, co-hosted by Parima, will be held on September 2nd and 3rd. [:50] 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. [1:07] RIMS Virtual Workshops! RIMS has launched a new course, “Intro to ERM for Senior Leaders.” It will be held again on November 4th and 5th and will be led by Elise Farnham. RIMS members enjoy deep discounts! [1:24] The full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's notes. [1:35] 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”. [1:48] On September 18th, Origami Risk will present “Driving Better Incident and Claims Management with Data, Technology & Strategic Collaboration”. [1:56] On October 30th, Swiss Re will present “Parametric Insurance: Providing Financial Certainty in Uncertain Times”. [2:05] On November 6th, Hub will present “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World”. Register at RIMS.org/Webinars. [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 in all stages of their careers. [2:38] See the full agenda at RIMS.org/ERM2025. [2:44] 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. [2:58] 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. [3:11] 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. [3:26] On with the show! You wanted to hear about vendor management, and that's why I reached out to Optimatum Solutions CEO, David Neikrug, to discuss the findings in Optimatum's new report, “A Path Not Taken: Vendor Management in Employer-Sponsored Healthcare”. [3:50] It's got some fascinating insights, and I wanted to extend the dialogue beyond the PDF, so let's get started! [3:56] Interview! David Neikrug, welcome to RIMScast! [4:07] Justin hasn't covered vendor management much on RIMScast. Justin invited David on the show to talk about Optimatum's publicly available paper, “A Path Not Taken: Vendor Management in Employer-Sponsored Healthcare.” This speaks to a risk management audience. [4:28] There is a link in this episode's show notes. The average cost of healthcare in 2025 is pushing north of $25K total cost, per employee per year, and it's an outsourced function. It's a large amount of money. [5:08] HR generally doesn't have the traditional service level agreements (SLAs) or performance guarantees that are present in an IT services agreement. That's a major disconnect that leads to financial, operational, and risk issues that go unchecked. [5:44] Traditionally, we don't see risk managers getting involved in HR things like employer-sponsored healthcare. David encourages risk managers to take the tools and skills they know and apply them to HR and employer-sponsored healthcare and retirement plans. [6:23] David suggests risk managers should demand vendor transparency when it comes to fees, debits, and credits. David talks about pharmacy rebates, segregation, and how credits are captured and applied. [7:09] David says vendor harmonization can be applied vertically or horizontally. The vertical side is when a company has acquired several HR benefits and programs, and then merges them into one program. The value creation by doing that is immense. [7:56] David says horizontal harmonization applies to anybody who aggregates companies of various kinds, including family offices. Each company may have a disparate benefits plan. Bringing plans together can save hundreds to thousands of dollars per employee per year. [8:46] Those are the types of numbers Optimatum Solutions is seeing as the opportunity for a risk manager to focus on as a quantifiable value proposition of bringing 10 vendor programs into one aggregated program. [9:14] From a risk standpoint, you have a single source to manage across enterprises. [9:31] David often speaks using numbers to convey the point. He says risk managers have a wealth of information and know what they are doing. When it comes to opportunities to create value, HR is an area they're not thinking about. [10:25] David suggests surveying risk managers and asking what percentage of risk managers are focused on the HR side, employer-sponsored healthcare, and retirement plans. You'll see the opportunity is almost endless. [10:44] Quick Break for RIMS Events!  On September 18th, the 10th Annual Chicagoland Risk Forum will be held at The Old Post Office in Chicago. Register at ChicagoRIMS.org. [10:59] On October 1st through the 3rd, the RIMS Western Regional Conference will be held in North San Jose at the Santa Clara Marriott. The agenda is live. It looks fantastic! Visit RIMSWesternRegional.com and register today! [11:15] 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. [11:37] 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. [11:52] At the top, Justin mentioned RISKWORLD 2026. Through September 4th, the RISKWORLD education content submission process is still open. [12:02] RIMS invites you to share your experiences, best practices, and innovative strategies that represent the global outlook of risk management. Send us your submission, and who knows? We might select you to speak at RISKWORLD 2026 in Philadelphia! The link is in the show notes. [12:20] Let's Return to My Interview with David Neikrug!  [12:42] David says the first thing to do is make sure risk managers have a seat at the table of employer-sponsored healthcare. They need to look at and understand all the terms and conditions of the contracts, looking for the low-hanging fruit. [12:55] Look for Service Level Agreements, Performance Guarantees, and Built-in Reconciliation Clauses for the vendor to provide a self-reconciliation of all the debits and credits from the plan year. Understand the contracts. [13:17] Second, make sure that you're a part of the team. Look at what you can do, bringing all the tools that you've acquired, dealing with the risk side over the years, and applying them to the HR benefits side. [13:54] For organizations of between 500 to 5,000 employees, there is ample opportunity. Those are going more unwatched than the larger organizations. The vendors aren't used to being held as accountable as they are for a Fortune 100. [14:21] David would say there isn't an organization that doesn't have an opportunity. It's a matter of focusing on it and bringing your expertise to the table to help your organization hold those vendors accountable, drive savings and performance, and create value. [14:59] David said Optimatum Solutions had a client that was a rapidly growing organization. They had acquired a company and decided to change the acquired company's vendor because they had been using a different vendor. [15:22] David mentions that Optimatum Solutions has a focus on improving or fixing relationships with vendors, versus running an RFP and finding a new vendor. It's better to fix a problem than to replace it. [15:40] Someone at the client company decided to move the pension plan business of the acquired company to a new provider. The plan was started in 1972, before the ERISA regulations on how pension plans are managed. The new vendor did no due diligence and took it over. [16:37] Within the first year, there was a claim by a retiree that the lump sum payment should have been 10 times what it was, stemming from one example in a plan document of how a benefit will be calculated. The company had to defend an $18 million potential claim. [17:11] It took three years to resolve. This taught the new vendor what the old vendor had been doing seamlessly for all those years. The former vendor knew how to deal with various situations, including payments to international employees. [17:49] The new vendor hadn't understood what they were acquiring. That led to a colossal mess. [18:10] It was an HR issue. They had a risk manager, but hadn't thought of having the risk manager at the table for this event. [18:20] A Final Break! The Spencer Educational Foundation's goal to help build a talent pipeline of risk management and insurance professionals is achieved, in part, by its collaboration with risk management and insurance educators across the U.S. and Canada. [18:40] Since 1999, Spencer has awarded over $2.9 million to create more than 570 Risk Management Internships. The Internship Grants application process is now open through October 15th, 2025. [18:56] 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. [19:10] 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. [19:29] 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. [19:38] Let's Return to the Conclusion of My Interview with Optimatum Solutions CEO, David Neikrug! [19:47] Behavioral and mental health are workforce concerns and reputational risks. David says the real number is productivity. If a factory has employees out for behavioral health issues, it has to replace those employees with temporary workers while still paying them. [20:43] The total cost of unmanaged behavioral health in a workforce is not just the behavioral health medical claims, pharmacy claims, or inpatient claims; it's also the lost working hours of those employees and the replacement costs of those employees. [21:15] That's a much larger number than just the surface of behavioral and mental health. Today, all health plans have strong behavioral programs. Organizations have Employee Assistance Programs (EAPs). [21:38] There are also point solutions adding a layer of a microbenefit on top of the program to ensure that employees are receiving the right care at the right time, in the right place.  [22:01] Organizations have the right tools. An employer will have all these programs, but they're disconnected. No one is bringing everyone to the table. [22:24] For a certain cost per employee per month, an EAP vendor will provide a given number of behavioral health visits. They will support the process within the traditional healthcare delivery system. Organizations can have point solutions for behavioral health. [23:00] Organizations can have these vendors at the table to understand what's going on at the organization. Are there RIFs? Are there acquisitions? Does the organization have seasonal issues driving stress? Is there an issue with the community where the organization is located? [23:20] Look at it holistically. Bring all these vendors to the table and discuss what's going on.  [23:30] In an unfortunate situation where employees are very stressed and have some sort of episode while at work, that's a material reputational risk, internally, and it may become an external issue. Most employers today have the vendors in place who can support them. [24:05] The steps are bringing the vendors to the table and managing them to ensure that they're aligned with the intended outcomes, and everyone's goal is aligned accordingly. [24:20] When you're discussing the organization with vendors, what about trade secrets, such as expansion and strategy? David says if you have the right vendor, they're about confidentiality. [24:46] If you're about to announce a Reduction in Force (RIF) or an acquisition, you will want your EAP in place to train managers to deal with employees who may be stressed. [26:01] David talks about AI risks. Ensure that when your employees are using any AI platform, you have thoroughly vetted the platforms you are allowing them to use to make sure that none of your proprietary or confidential information lands in public. [26:36] When using AI with confidential information, unless it's a closed system, you have a material risk of it being exposed. [27:02] AI is here for the future. It will change the face of every single profession. Justin assures that there will be no bots hosting or guesting on RIMScast! [27:35] David asks organizations, in the face of AI, What are you doing about it? How are you training and supporting your employees so that they can be part of the future, versus being a former employee who has been replaced due to AI? [27:54] In analytics, AI is simplifying delivery and crunching numbers like we've never seen before. These are incredible benefits for organizations in the future. [28:27] David thinks that you need internal tools to ensure that your employees are not divulging confidential information within public tools and that your vendors and their vendors are all aligned to apply the same rules for confidentiality. [29:12] David, you have been such a wonderful guest! I'm so glad that you were here to provide a little extra insight into the recent Optimatum Solutions paper, “A Path Not Taken: Vendor Management in Employer-Sponsored Healthcare”. A link is in this episode's show notes. [29:35] At the end of the paper is David's contact information. [29:53] Special thanks again to Optimatum Solutions CEO, David Neikrug, for joining us here on RIMScast. You can find the link to A Path Not Taken, the professional report, at OptimatumSolutions.com and in this episode's show notes. [30:11] I've also got links to RIMS coverage of vendor management in this episode's show notes. [30:17] 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. [30:45] 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. [31:03] 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. [31:21] 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. [31:37] 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. [31:52] 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. [32:04] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS ERM Conference 2025 — Nov. 17‒18 The call for RISKWORLD 2026 submissions is now 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 Internship Program — Registration Open Through Oct. 15. 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 Optimatum Professional Report: “A Path Not Taken: Vendor Management in Employer-Sponsored Healthcare” OptimatumSolutions.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 “Driving Better Incident and Claims Management with Data, Technology & Strategic Collaboration” | Sept. 18 | Sponsored by Origami Risk “Parametric Insurance: Providing Financial Certainty in Uncertain Times” | Oct. 30, 2025 | Sponsored by Swiss Re “Geopolitical Whiplash — Building Resilient Global Risk Programs in an Unstable World” | Nov. 6 | Sponsored by Hub   Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP 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” | Nov. 4‒5 | Instructor: Elise Farnham See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes: “ERM, Retail, and Risk with Jeff Strege” “Supply and Bike Chains with Emily Buckley”   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: David Neikrug, CEO at Optimatum Solutions LLC   Production and engineering provided by Podfly.  

In this episode of the Real Estate Pro Show, host Erika interviews Steven DeMayo, a construction expert and founder of Dynasty Construction Imports. Steven shares his journey from starting in construction at a young age to establishing his own company during the upheaval caused by COVID-19. The conversation delves into the importance of building relationships with manufacturers, common misconceptions investors have about construction, current trends in materials, challenges faced in projects, and advice for networking in the industry. Steven also discusses the future plans for his company and the unique approach he takes in the construction field.   Professional Real Estate Investors - How we can help you: Investor Fuel Mastermind:  Learn more about the Investor Fuel Mastermind, including 100% deal financing, massive discounts from vendors and sponsors you're already using, our world class community of over 150 members, and SO much more here: http://www.investorfuel.com/apply   Investor Machine Marketing Partnership:  Are you looking for consistent, high quality lead generation? Investor Machine is America's #1 lead generation service professional investors. Investor Machine provides true ‘white glove' support to help you build the perfect marketing plan, then we'll execute it for you…talking and working together on an ongoing basis to help you hit YOUR goals! Learn more here: http://www.investormachine.com   Coaching with Mike Hambright:  Interested in 1 on 1 coaching with Mike Hambright? Mike coaches entrepreneurs looking to level up, build coaching or service based businesses (Mike runs multiple 7 and 8 figure a year businesses), building a coaching program and more. Learn more here: https://investorfuel.com/coachingwithmike   Attend a Vacation/Mastermind Retreat with Mike Hambright: Interested in joining a “mini-mastermind” with Mike and his private clients on an upcoming “Retreat”, either at locations like Cabo San Lucas, Napa, Park City ski trip, Yellowstone, or even at Mike's East Texas “Big H Ranch”? Learn more here: http://www.investorfuel.com/retreat   Property Insurance: Join the largest and most investor friendly property insurance provider in 2 minutes. Free to join, and insure all your flips and rentals within minutes! There is NO easier insurance provider on the planet (turn insurance on or off in 1 minute without talking to anyone!), and there's no 15-30% agent mark up through this platform!  Register here: https://myinvestorinsurance.com/   New Real Estate Investors - How we can work together: Investor Fuel Club (Coaching and Deal Partner Community): Looking to kickstart your real estate investing career? Join our one of a kind Coaching Community, Investor Fuel Club, where you'll get trained by some of the best real estate investors in America, and partner with them on deals! You don't need $ for deals…we'll partner with you and hold your hand along the way! Learn More here: http://www.investorfuel.com/club   —--------------------

Send us a textWhat is the process for transferring a criminal defendant from U.S. custody to a foreign country?  We learn this and more from our discussion with Bruce Zagaris, a Partner in the Washington, DC Office of Berliner, Corcoran, and Rowe, who is an expert on international prisoner transfers.  Bruce is a widely known expert in the field of international criminal law, and is the co-author of International Criminal Law: Cases and Materials (now in its 4th edition), as well as International White Collar Crime: Cases and Materials (in its 2nd edition).  Bruce is also the Founder and Editor of the International Enforcement Law Reporter. 

Get ready for what's ahead as we learn more about how to "Live A Life Of Unstoppable Strength." Today's message is "Put On The Breastplate Of Righteousness" by Art Bullis. 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

Hey Fashion Besties – it's time to kick off pre-fall in style! 

Qore's new facility in Eddyville marks more than production—it's a statement: QIRA is the gold standard in bio-derived materials. Capable of replacing fossil-based inputs with renewable corn-sourced alternatives, QIRA stands as a drop-in replacement for traditional BDO and is already transforming global supply chains. With Cargill and HELM at the helm, QIRA exemplifies how agriculture, industry, and innovation can unite for economic and environmental gain. In this episode, Jon Veldhouse guides us from cornfields to manufacturing floors, illustrating how Qore's partnerships—most notably with LYCRA—are reshaping sustainability standards without sacrificing performance. Discover more through the LYCRA sustainability page and QIRA's company portal to see how this golden opportunity in Iowa is redefining global manufacturing. Find this show on your favorite app: https://iowapodcast.com/qore-qira

In this episode, Galen Low sits down with Brian Kessman of Lodestar Agency Consulting to tackle a big question: is AI finally the deathblow to billable hours? Brian argues yes—and not because AI “broke” the model, but because it's exposed just how misaligned hourly billing has always been with the real value agencies deliver. Instead of rewarding efficiency and innovation, time-based pricing incentivizes dragging things out and commoditizes expertise. The real shift, Brian says, isn't just about swapping billing methods—it's about fundamentally rethinking what you sell, how you position it, and how you prove its impact.They dig into the Agency Value Model—a framework for moving from selling time to selling outcomes. Brian explains how to define your best-fit clients, identify their high-value problems, and design structured solutions that command higher prices while delivering measurable impact. Along the way, they unpack how to navigate the “race to the bottom” fueled by AI, nearshoring, and automation; why confidence in your positioning can help you turn away misaligned clients; and how to operationalize repeatable, scalable value delivery without falling back into chaos.Resources from this episode:Join DPM MembershipSubscribe to the newsletter to get our latest articles and podcastsConnect with Brian on LinkedInCheck out Lodestar Agency ConsultingValue Model AssessmentAgencies building business models around AI offerings:Go Supergood — an AI-native creative agencySilverside.ai — an AI innovation labSkeptic™ by Known — uses machine learning and artificial intelligence to deploy rapid scientific experimentation and persistent optimizationJellyfish — social media AI agentsMagnolia by Newfangled — is an AI-powered strategic plannerContent Symphony

Author and architectural glass artist Robert Sowers wrote that lead should be considered a design element and not just a matrix to hold stained glass. That idea spoke to Richard Prigg, who has developed a body of work that celebrates lead and solder as much as it does breathtakingly beautiful glass. Though historically stained glass windows conveyed the teachings of the church, Prigg's work intentionally tells no stories, but rather impacts the viewer by combining more expressive lead work with various light-modulating elements of and beyond the window itself. States Prigg: “I have an aversion to storytelling. I feel that it can often move the viewer away from the work so that instead of observing and considering what is in front of them, they fly off to the never-never land where the story takes them. Of course, I recognize that storytelling is an integral part of being human. We tell stories to one another to help define our identities. The stories in our culture give us a we that can guide our ways of living. But there is a dark side of storytelling, and it is intrinsic to the spoken word. It is our human tendency to use story to deceive. So, I am distrustful of art with a story, because a story can be a lie. I am distrustful of religion with a story, too. Religion and art – they are such good friends.” A graduate of the Pennsylvania Academy of Fine Arts, Prigg started his career at Beyer Stained Glass, Philadelphia, Pennsylvania. He later joined Willet Hauser Architectural Glass, the largest stained glass studio in the US, where he served as General Manager from 1999 to 2011. There, he oversaw challenging projects such as restoration of the Alcuin and Charlemagne and The Death of Sir Philip Sidney windows, which included re-creating missing plates for areas of the windows where the glass had chemically decomposed. He also oversaw the creation of $3.5 million of gothic stained glass fabricated by Willet Hauser for St. Martin's Episcopal Church in Houston. It was huge job that took 2.5 years to finish. Says Prigg: “I worked closely with Crosby Willet, who was incredibly generous to me and taught me a lot about stained glass. He introduced me to everyone in the business more or less. That included Charlie Lawrence who became a mentor and friend as well.” In December of 1999, Prigg left Willet Hauser and opened Sycamore Studios with his wife Ellen Lustgarten, where in addition to repair, restoration and new work, he developed a unique body of personal work featuring mouthblown antique sheet glass in conjunction with calligraphic lead lines built up with lead came. These works include Spin for a Western Light and Two Circles and a Dot. Later, he began to explore concrete as a matrix, resulting in works such as Blue Moon, Tossed and his recent Tower series. Prigg also uses his Lansdowne studio to showcase the work of young artists who often can't get into galleries.  Prigg is a member of the Stained Glass Association of America and has served on the board of directors of the American Glass Guild (AGG). He is the recipient of two AGG AGNX Awards for Excellence in the Art of Stained Glass. In 2025, he presented From Artist To Artisan To Artist: How I Painted Myself Into a Corner and Escaped through a Stained Glass Window at the AGG conference. Recent exhibitions of his work include: 2025 at the AGG AGNX Show, Mesa Contemporary Art Museum, Mesa, Arizona; 2025, Juried Show: Vibrance at the Aston Mills Art Center, Aston PA; and the 2023 Juried Show: 100 Skulls, Aston Mills Arts Center. His work can be found in private collections in Philadelphia as well as at the Center for Emerging Visual Artists. Says Prigg, about goals for his personal work: “When I began working with glass, I was so in love with these materials – lead and glass – that I just wanted to find ways to show people what delighted me. I wanted people to be presented with these materials in a way so that they would be engaged in the textures, the colors, the voices of the materials.”  

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) 

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.