Podcasts about Naic

[Featuring SimplyGabbly] The Scarlet and Violet Switch 2 Update will arrive on launch day! We get two new photos which shows more Pokémon on the Switch 2 version of the game. Niantic is testing a $100 bundle with both an IRL experience and digital items for your weekend in New Jersey. NAIC will feature Wolfe's Incineroar and other Pokémon for GO and UNITE for watching stream that weekend. Murkrow comes to Pokémon Sleep.TIMESTAMPS00:00:00-Introduction00:02:40-Switch 2 Screenshots00:24:10-The $100 Bathroom Experience00:54:00-Murkrow in Pokémon Sleep01:02:40-Free VGC Incinerorar01:19:20-CreditsADSAd this episode brought to you by Pretty Litter! Check out prettylitter.com/pkmncast to save 20% off your first order and get a free cat toy!Ad this episode brought to you by HIMS! To start your free online visit, head over to hims.com/pkmncast!LINKS

Become a Spotify Subscriber and gain access to a 30 minute bonus episode every single week!Thanks to Dragon Shield for being an official sponsor of the Uncommon Energy Podcast! They make the best sleeves, accessories, and gaming products in the entire industry. Get 5% off your order by using code "UEPOD" online at: https://dragonshield.com/?ref=uncommonenergy

Doonebug wins the new largest Regional to date, Kingambit arrives to GO but with controversy, Dynamx Suicune is coming soon, the GOAT of Pokémon qualifies for worlds, and NAIC registrations have gone live! Where to find us! YouTube - https://youtube.com/@thebattlecatzpodcast X - https://twitter.com/BattleCatzPod Caleb Peng YouTube - https://youtube.com/calebpeng  X - https://twitter.com/CalebPeng Twitch - https://twitch.tv/calebpeng  HurricaneKaz X - https://x.com/thehurricanekaz Steve YouTube - https://www.youtube.com/PvPSteve X - https://x.com/PvPSteve1 Twitch - https://twitch.tv/PvPSteve7 Podcast - https://www.youtube.com/@GdayBattlers Twastell X - https://x.com/pogoTwastell 0:00:00 - Intro & In Game Events 0:49:16 - Kaz's Korner 0:59:53 - GO Battle League 1:04:03 - Championship Series 1:40:07 - YouTube Comments

Hello and welcome!   We have a great episode for you today. Our guest is Geralyn Trujillo, Senior Director of Public Policy at the American Academy of Actuaries. She and our host, Dale Hall, Managing Director of Research at the Society of Actuaries Research Institute, will be walking us through key takeaways from the recent NAIC 2025 Spring Meeting, held in Indianapolis from March 23 to March 26. If you're looking for a clear and thoughtful recap, you're in the right place. Let's get started! SOA e-Newsletter:  NAIC Spring 2025 Meeting Recap Send us your feedback at ResearchInsights@soa.org 

In this episode of the GRU Podcast, we are excited to be joined by Commissioner Jon Godfread, the North Dakota State Insurance Commissioner, as well as President of the National Association of Insurance Commissioners (NAIC), to discuss a number of issues on the agenda within the U.S. insurance regulation realm.  These topics include assessing the rate of transition and notable changes within the insurance sector under a presidential administration shift, key priorities for the newly launched Risk-Based Capital Task Force, challenges within property insurance-related markets as highlighted by events such as the Los Angeles wildfires of January 2025, amassing circa $30 billion in insured losses, how the NAIC coordinates with international regulators in an increasingly fragmented regulatory environment, NAIC approaches to artificial intelligence implementation via the AI Model Bulletin and review of the AI Systems Programs, analyzing risks, goals and industry growth potential and prospects from the point of view of the NAIC and much more.

Pets at work?

Episode 806: – The National Association of Insurance Commissioners hosted its Spring meeting in Indianapolis last week.  While the event was lighter in content, there were still several important matters to discuss.Stepping in for Neil this week on our Insurance Unscripted segment, Erin Collins,  senior vice president - state and policy affairs for NAMIC, talks with three of NAMIC's policy vice presidents about the NAIC's top priorities for the coming year.This episode of the Insurance Uncovered is sponsored by Holborn.

We and our financial advisors are preparing to need money to last 30 plus years in retirement, yet we don't trust LTC insurance companies to help protect us during that time. If we think we're going to live that long, do we really believe we will remain as strong, healthy and active as we are today?  Look at our parents and grandparents. Humans slow down as we age.  Dementia is showing up in our 60s.  People are having strokes in their 50s due to stress. We need to be prepared. LTC insurance is strictly regulated by the NAIC (National Association of Insurance Commissioners) to make sure that rules are followed for marketing and claims.  Learn how our state departments of insurance protect us The America Association for LTC insurance was created in 1988 to educate consumers and support insurance/financial professionals.  You can learn a lot from them The report from Faegre Drinker on NAIC Model regulation can be found Estimate LTC premiums View current and projected costs of care where you live Schedule a meeting with me and Prepare for Tomorrow 

News Stories Covered in the Episode AI Typing Like a Human? – Graham Clay's LinkedIn post on ChatGPT Operator mimicking human keystrokes https://www.linkedin.com/feed/update/urn:li:activity:7292163775963557888/ The Vatican on AI Ethics – “Antiqua et Nova” report on AI, human intelligence, and ethics in education Sacerdotus: Vatican's New Document on AI: Ethical Guidelines and Human Responsibility Australian Government's AI Study – Treasury report on Microsoft 365 Copilot, estimating it pays for itself if it saves 13 minutes per week Treasury M365 Copilot review estimates 13-minute efficiency gain needed to justify licence cost - Software - iTnews California State University & AI – Providing 500,000 stuents access to ChatGPT Edu https://openai.com/index/openai-and-the-csu-system/ Estonia's AI Strategy – National AI policy giving all students access to AI tutors https://openai.com/index/estonia-schools-and-chatgpt/ Australia's New National AI Centre Director – ex-podcast co-host Lee Hicken appointed to lead the centre. For those keeping count, that's the second of the podcast hosts that's now at NAIC, with current hosts Dan & Ray still waiting for the call

In this episode of the InsuranceAUM.com Podcast, host Stewart Foley, CFA, sits down with Barbara Arnold and Scott Kurland of SS&C Technologies to explore the latest developments in NAIC statutory reporting. With growing portfolio complexity and evolving regulatory requirements, insurers are facing increasing challenges in maintaining compliance while ensuring accuracy and efficiency in reporting.   Barbara and Scott discuss the major trends shaping the industry, including the growing role of alternative investments, the shift to multi-manager models, and changes in asset classifications that impact reporting requirements. They also highlight the rising adoption of outsourcing and co-sourcing solutions, helping insurers streamline processes while maintaining compliance. As reporting deadlines tighten and staffing challenges persist, having a clear strategy for data integrity and workflow optimization is more critical than ever.   This conversation provides expert insights and practical solutions for insurance investment professionals looking to navigate today's complex NAIC reporting environment. From best practices in statutory reporting to strategies for staying ahead of regulatory changes, this episode offers valuable perspectives for insurers aiming to enhance their reporting processes. Listen now to gain a deeper understanding of how insurers can optimize their reporting workflows and ensure compliance in an increasingly demanding landscape.

In this Pokemon interview, we are joined by Glowl, A Pokemon Trainer who leads the Fried Shrimp community and hunts for Shiny Pokemon on Twitch.Glowl's Pokemon Journey begins with Pokemon Sapphire where he traveled the Hoenn region. He continues to play Pokemon and starts to gain an interest in Shiny Pokemon. Due to the rarity, Glowl is dedicated to catch all Shiny Pokemon!However, Glowl expresses the biggest impact on his Pokemon journey came from the Pokemon creators he would watch on Youtube and Twitch. It led to him becoming a Pokemon content creator, specifically Twitch. Pokemon has given him a lot of opportunities, including a visit to NAIC, Worlds 2024, and GO Fest in NYC.SourcesOpening Song: "Forget You" by Alex_MakeMusic from PixabayConnect with Glowl: Twitch | Instagram | TwitterSend us a textSupport the showConnect with David Hernandez: Linktree E-mail Me: asthepokeballturnspodcast@gmail.comJoin Our Discord Community!https://discord.gg/AqAbD7FbRt

In this episode, Nikki chats with Michelle Yates, EVP at Pet Partners, about the magic of pet-friendly perks in the workplace.

Are you overwhelmed with all of the travel advice out there when it comes to travel? Are you stuck in analysis paralysis because you just don't want to get it wrong? In this episode of Transform With Travel, we're diving deep into some of the most popular travel advice that you should absolutely ignore in 2025. With the world of travel constantly evolving, it's important to stay up to date on the latest tips and trends, while ditching the myths and bad advice that no longer apply. Whether you're planning a solo adventure or a group getaway, we'll help you navigate what's truly worth your time (and money) this year.We talk about:00:00 Intro02:31 Being A Tourist Isn't All Bad04:19 Travel Whenever You Can, Even If It's Peak05:50 Travel Insurance Is Essential07:18 Why You Should Use A Travel Advisor13:09 The Role of Cruising & All-Inclusives15:53 Immersive Travel with Groups and Tours17:03 Instagram vs. Reality22:35 Recap of the EpisodeBook A Free 2025 Travel Strategy Consultation With Mehttps://transform-with-travel.captivate.fm/book-a-call Connect with Me OnlineFollow the Podcast on IG: http://www.instagram.com/transformwithtravel Follow Kelly Tolliday on IG: http://www.instagram.com/kelly.tolliday Transform With Travel Website: https://www.transformwithtravel.co Thanks To Our Sponsors:Arch RoamRight: Adventures Ahead? Get a quote for Arch RoamRight Travel Insurance today using this link.https://transform-with-travel.captivate.fm/archroamright Eyia Retreats: Head to Eyia Retreats Website for more information on upcoming retreats & courses.Website: https://transform-with-travel.captivate.fm/eyiaretreatsHow. To Move To Greece Course: https://transform-with-travel.captivate.fm/move-to-greeceWant more like this?Going Against The Grain with Gabi ArbesuWhat Is The Future of Travel with Henley VazquezDon't forget to subscribe, rate, and review Transform With Travel on your favorite podcast platform. Happy travels in 2025! ✈️Disclaimer: The Arch RoamRight™ and the RoamRight® mark is used by Arch Insurance Company and owned by its parent company, Arch Capital Group (U.S.). Insurance coverages are underwritten by Arch Insurance Company, NAIC #11150, under certain policy series,...

Hello Listeners!  We have a great episode today.  Our guest is Geralyn Trujillo, Senior Director of Public Policy at the American Academy of Actuaries.  The focus of today's podcast is a recap of the recent National Association of Insurance Commissioners (NAIC) 2024 Fall meeting held in Denver, Colorado, from August 12 through August 15.  Sit back and listen to key insights from the meeting!   SOA e-Newsletter:    https://www.soa.org/publications/e-newsletters/articles/2024/enews-2024-12-naic-fall-meeting/   Send us your feedback at ResearchInsights@soa.org

Are you feeling the rush of the holiday season creeping up on you? Is end-of-year burnout starting to creep in? Are you feeling resentful with the life you chose? In this episode of the Transform with Travel podcast, I sit down with Claire Thomas, founder of Reaching My Best, and one of the few certified mental fitness coaches in the UK. We discuss the timely topic of feeling “stuck” in your life, cultivating mental resilience and unlocking your full potential through mindfulness, meditation and travel.Travel offers unique opportunities to practice mindfulness. But how can we ensure we're truly present? Claire suggests simple strategies like removing digital distractions and embracing the local culture with curiosity. As you navigate your holiday travel, I offer a simple yet powerful tip for staying grounded when you feel uneasy or anxious. Stay tuned for the end of the episode for that!We talk about:00:00 Intro04:10 Two Truths and a Lie: Travel Edition06:25 Claire's Story of Burnout and Career Shifts12:42 Understanding Burnout and Mental Fitness19:17 The Power of Surrender and Mindfulness22:56 Strategies for Being Present During Travel26:44 The Impact of Social Media on Travel Experiences28:50 The Role of Travel in Mental Fitness30:47 Building a Mindfulness Practice40:41 Coping with Disappointment While Traveling42:41 Final Thoughts and Reflections45:07 Rapid-Fire Questions and Closing RemarksConnect with Clairewww.reachingmybest.comhttps://linktr.ee/reachingmybest Connect with meFollow the Podcast on IG: http://www.instagram.com/transformwithtravel Follow Kelly Tolliday on IG: http://www.instagram.com/kelly.tolliday Transform With Travel Website: https://www.transformwithtravel.co Thanks To Our Sponsors:Arch RoamRight: Adventures Ahead? Get a quote for Arch RoamRight Travel Insurance today using this link.https://transform-with-travel.captivate.fm/archroamright The Mindful Traveler: How To Navigate Travel Stress with a Smile: Use Code LAUNCH10 for 10% off. Download the E-Book Today Here - https://transform-with-travel.captivate.fm/mindfultravelerebook Disclaimer: The Arch RoamRight™ and the RoamRight® mark is used by Arch Insurance Company and owned by its parent company, Arch Capital Group (U.S.). Insurance coverages are underwritten by Arch Insurance Company, NAIC #11150, under certain policy series, including LTP 2013 and amendments thereto. Certain terms, conditions, restrictions and exclusions apply and coverages may vary in certain states.

Holborn - NAMIC's Insurance Uncovered sponsor - is also sponsoring a new book called "Beat the Clock - How the Property Catastrophe Underwriting Cycle Works." On today's Unscripted, Neil Alldredge, president and CEO of NAMIC, talks with Frank Harrison, Chairman of the Board and CEO of Holborn, about the new educational resource that will serve generations of risk professionals for years to come.

How close are we to enabling  astronauts to go into deep sleep for long space journeys? Neil deGrasse Tyson, Chuck Nice, & Gary O'Reilly team up with Ryan Sprenger, Senior Research Scientist at Fauna Bio, to explore whether humans can hibernate like animals do.NOTE: StarTalk+ Patrons can listen to this entire episode commercial-free here:https://startalkmedia.com/show/hibernating-for-deep-spaceflight-with-ryan-sprenger/Thanks to our Patrons Parker Mann, Kwesi collisson, John, Ray, Dr. Cy, Felix the Feline, Jimmy Dunn, Mandi McKay, Kevin Militello, Aaron Streimish, Joshua Beadle, Sam Pennington, Geoffrey Docute, Syler, David Smith, and Matt Talley for supporting us this week. Subscribe to SiriusXM Podcasts+ on Apple Podcasts to listen to new episodes ad-free and a whole week early.

Hello Listeners!  We have a great episode today.  Our guest is Geralyn Trujillo, Senior Director of Public Policy at the Academy of Actuaries.  The focus of today's podcast is a recap of the recent National Association of Insurance Commissioners (NAIC) 2024 Summer meeting held in Chicago, Illinois, from August 12 through August 15.  Sit back and listen to key insights from the meeting.   SOA e-Newsletter:  https://www.soa.org/publications/e-newsletters/articles/2024/enews-2024-08-naic-summer/     Send us your feedback at ResearchInsights@soa.org 

On more than one occasion we have heard red-rated vendors declare that fixed insurance products are now subject to a best interest standard for 403(b) sales in most states. This is false.   Comparing CFP Board's Code of Ethics and Standards of Conduct to The NAIC's Suitability in Annuity Transactions Model Regulation #275 Learned by Being Burned - Short pod series about how teachers got burned then got wise to the 403(b) Meridian Wealth Management 403bwise.org

Alan McClain was appointed as Arkansas's 24th Insurance Commissioner by former Governor Asa Hutchinson in April 2020, and continues to serve as Commissioner under Governor Sarah Huckabee Sanders.  Prior to his appointment, McClain served for five years as Commissioner of Arkansas Rehabilitation Services (ARS)—a sister agency of the Arkansas Insurance Department (AID) under the state Department of Commerce.Commissioner McClain began his career in state government in 1992 at AID, spending eight years in its Public Employee Claims Division. Prior to joining AID, he served as a Claims Manager for self-insured workers' compensation plans at the Little Rock offices of Sedgwick James Insurance.McClain served thirteen years with the Arkansas Workers' Compensation Commission (AWCC), where he spent almost nine years as its Chief Executive Officer.  While at the AWCC, he also served as the regulator for companies and groups seeking to self-insure workers' compensation risks. In 2013 McClain left the AWCC to join the Workers' Compensation Research Institute (WCRI) based in Cambridge, Massachusetts, where he worked alongside numerous state workers' compensation agencies as they utilized the work of WCRI in making data-driven policy decisions.McClain served as President of the Council of State Administrators of Vocational Rehabilitation between 2019-20, as well as President of the International Association of Industrial Accident Boards & Commissions (IAIABC) in 2011, where he was named Co-Chair of the National Association of Insurance Commissioners (NAIC)/IAIABC Joint Working Group. During his time as Commissioner of Arkansas Rehabilitation Services, Governor Hutchinson also appointed McClain to serve on the Arkansas Workforce Development Board, and the Governor's Council on Developmental Disabilities.In addition to membership on a number of other NAIC task forces and working groups, McClain currently serves as Chair of the NAIC Property and Casualty (C) Committee, as well as Chair of the Workers' Compensation Task Force, a subgroup of the Property and Casualty (C) Committee. He also serves on the Financial Standards and Accreditation (F) Committee, which reviews insurance department ability to analyze company solvency.McClain is a native Arkansan. He holds an undergraduate degree from Hendrix College in Conway, as well as a Master of Public Administration from the University of Arkansas at Little Rock. Focusing exclusively on risk management and insurance professional development, the Risk & Insurance Education Alliance provides a practical advantage at every career stage, positioning our participants and their clients for confidence and success.

The NAIC's first chief diversity officer, Evelyn Boswell, joins Actuary Voices to share the work she has done to establish a diversity, equity and inclusion council at the NAIC.  Tune in to hear how she partnered with NAIC departments to build and implement a DE&I framework.

SPECIAL CONDITIONS 173: LOST NAIC   On this week's episode, the crew delves into a variety of exciting topics including the latest from the North American International Championship (NAIC), the ongoing craze of Pokémon GO, and the delightful anticipation brought by holiday advent calendars—because, let's face it, Christmas can never come too early! Join Adam and Justin as they dissect the results of the Pokémon Professor Network's Discord tournament, sharing their insights and commentary on the battles that took place. They'll also be showcasing some interesting finds in a special show and tell segment, offering a deeper dive into the Pokémon world. But don't be fooled—this episode has a particular spotlight on the beloved Growlithe and its evolved form, Arcanine. From their origins and characteristics to their roles in competitive play, Adam and Justin leave no stone unturned in their passionate discussion about these fan-favorite fire-types. Whether you're a seasoned trainer or just getting started, this episode promises to spark your interest and ignite your love for Pokémon all over again. So, sit back, relax, and enjoy an episode that's packed with information, fun, and a lot of love for Growlithe and Arcanine. Use code FULLHEAL at https://tgacards.com/ for 10% off your order!   Support the show by shopping at TCGPlayer.com using this link - https://bit.ly/TCGPlayerAffiliate  SpecialConditions@PokemonProfessor.com  Voicemail, Text, and Picture Line - 732-835-8639   https://linktr.ee/PokemonProfessorNetwork    Music provided by GameChops and licensed through Creative Commons   ▾ FOLLOW GAMECHOPS ▾ http://instagram.com/GameChops http://twitter.com/GameChops http://soundcloud.com/GameChops http://facebook.com/GameChops http://youtube.com/GameChops http://www.gamechops.com   Intro Music Trapped In A Pokéball Dj CUTMAN and Belthesar GameChops - Ultraball http://gamechops.com/ultraball/  http://soundcloud.com/DjCUTMAN http://soundcloud.com/belthesar   Break Music He Walk - Furret / Accumula Town Remix  Dj Cutman http://soundcloud.com/djcutman  http://twitter.com/videogamedj  http://youtube.com/djcutman   Outro Music Kanto Trainer Battle Mykah GameChops - Ultraball http://gamechops.com/ultraball/  https://soundcloud.com/mykah   Hosts Adam Tuttle Justin Keller   Producer Ken Pescatore   Executive Producer Tish Smith   Pokémon And All Respective Names are Trademark and © of Nintendo 1996-2024 Pokémon Professor and Special Conditions are not affiliated with Niantic Inc., The Pokémon Company, Game Freak or Nintendo   #pokemon #pokemontcg #podcast  

Recorded pre-NAIC, Astro is joined by Kevin Clemente, aka Mellow Magikarp, of the Lake of Rage podcast to talk all things TCG!!!@Mellow_Magikarp@LakeOfRagePodCheck out the BTW Web Site for merch, bios, videos and more: BTWPvP.comSubscribe to our YouTube channel!Team BTWLyleJeffs111 on Twitchhttps://www.twitch.tv/lylejeffsiiiKyleThrows on Twitchhttps://www.twitch.tv/kylethrowsCnfessionhttps://www.twitch.tv/cnfessionEvan777713https://www.twitch.tv/evan777713KingOwlexanderhttps://www.twitch.tv/kingowlexanderGracieZhttps://www.twitch.tv/vgraciezCheck out and listen to our friends The Round Table ChatotIf you have suggestions, ideas, or inquiries, you can contact:Our Executive Producer: matthewbraeker@btwpvp.comYou can email us at the following:The Show: info@btwpvp.comAstro: astrozombie954@btwpvp.comDinho: dinhoelmagico@btwpvp.comWildcat: wildcatdad17@btwpvp.comGood Luck and Get Good! Become part of Team B.T.W Hosted on Acast. See acast.com/privacy for more information.

Every American who has a mortgage is required by their bank to have homeowners insurance, but getting it and keeping it is becoming a challenge. In this episode, hear the highlights of a Senate hearing examining the problems in the homeowners insurance market and why they might lead to much bigger problems next time disaster strikes. Please Support Congressional Dish – Quick Links Contribute monthly or a lump sum via Support Congressional Dish via (donations per episode) Send Zelle payments to: Donation@congressionaldish.com Send Venmo payments to: @Jennifer-Briney Send Cash App payments to: $CongressionalDish or Donation@congressionaldish.com Use your bank's online bill pay function to mail contributions to: Please make checks payable to Congressional Dish Thank you for supporting truly independent media! Background Sources Effects of Climate on Insurance Christopher Flavelle and Mira Rojanasakul. May 13, 2024. The New York Times. Chris Van Hollen et al. September 7, 2023. Chris Van Hollen, U.S. Senator for Maryland. Alice C. Hill. August 17, 2023. Council on Foreign Relations. Insurance Information Institute. Antonio Grimaldi et al. November 19, 2020. McKinsey & Company. Lobbying OpenSecrets. OpenSecrets. OpenSecrets. Heritage Foundation SourceWatch. Demotech William Rabb. April 15, 2024. Insurance Journal. Parinitha Sastry et al. December 2023. Fannie Mae Adam Hayes. May 17, 2023. Investopedia. Hurricanes National Oceanic and Atmospheric Administration. National Oceanic and Atmospheric Administration. Audio Sources Senate Committee on the Budget June 5, 2024 Witnesses: Glen Mulready, Insurance Commissioner, State of Oklahoma Rade Musulin, Principal, Finity Consulting Dr. Ishita Sen, Assistant Professor of Finance, Harvard Business School Deborah Wood, Florida Resident , Research Fellow, Heritage Foundation's Grover Hermann Center for the Federal Budget Clips 23:05 Sen. Sheldon Whitehouse (D-RI): In 2022 and 2023, more than a dozen insurance companies left the Florida residential market, including national insurers like Farmers. Residents fled to Citizens Property Insurance, the state backed insurer of last resort, which ballooned from a 4% market share in 2019 to as much as 17% last year. If it has to pay out claims that exceed its reserves, citizens can levy a surcharge on Florida insurance policy holders across the state. Good luck with that. Particularly if the surcharge grows to hundreds or even thousands of dollars to depopulate its books. Citizens has let private insurers cherry pick out its least risk policies. Those private insurers may have problems of their own, as we will hear today. 25:10 Sen. Sheldon Whitehouse (D-RI): The federal budget takes a hit because these insurers and their policies are accepted by Freddie Mac and Fannie Mae, who either own or guarantee a large part of our $12 trillion mortgage market. This all sounds eerily reminiscent of the run-up to the mortgage meltdown of 2008, including a role of potentially captive or not fully responsible rating agencies. 25:45 Sen. Sheldon Whitehouse (D-RI): Florida is far from alone. A New York Times investigation found that the insurance industry lost money on homeowners coverage in 18 states last year, and the states may surprise you. The list includes Illinois, Michigan, Utah, Washington, and Iowa. Insurers in Iowa lost money each of the last four years. This is a signal that hurricanes and earthquakes, once the most prevalent perils, are being rivaled by hail, windstorms, and wildfires. 28:00 Sen. Sheldon Whitehouse (D-RI): This isn't all that complicated. Climate risk makes things uninsurable. No insurance makes things unmortgageable. No mortgages crashes the property markets. Crashed property markets trash the economy. It all begins with climate risk, and a major party pretending that climate risk isn't real imperils our federal budget and millions of Americans all across the country. 33:45 Sen. Chuck Grassley (R-IA): Insurance premiums are far too high across the board and may increase after the recent storms, including those very storms in my state of Iowa. Climate change isn't the primary driver of insurance rate hikes and collapse of the insurance industry isn't imminent. Although I'll have to say, Iowa had six property and casualty companies pull out of insuring Iowans. Climate change doesn't explain why auto insurance premiums in 2024 have increased by a whopping 20% year over year. It also doesn't account for the consistent failure of liberal cities to fight crime, which has raised insurance risk and even caused insurers to deny coverage. Expensive liberal policies, not climate change, are much to blame for these market dynamics. 39:00 Sen. Sheldon Whitehouse (D-RI): The first witness is Rade Musulin. Rade is an actuary with 45 years of experience in insurance, specializing in property pricing, natural perils, reinsurance, agriculture, catastrophe, risk modeling, public policy development, and climate risk. Specifically, he spent many years working in Florida, including as chair of the Florida Hurricane Catastrophe Fund Advisory Council during the time in which Citizens Property Insurance Corporation was established. 39:35 Sen. Sheldon Whitehouse (D-RI): Our second witness is Dr. Ishida Sen. Dr. Sen is an Assistant Professor at Harvard Business School. Her recent research examines the pricing of property insurance and the interactions between insurance and mortgage markets. This includes the role that institutions and the regulatory landscape play and the broader consequences for real estate markets, climate adaptation, and our overall financial stability. 40:00 Sen. Sheldon Whitehouse (D-RI): Our third witness is Deb Wood. Ms. Wood and her husband Dan McGrath are both retired Floridians. They moved to South Florida in 1979 and lived in Broward County, which includes Fort Lauderdale for 43 years until skyrocketing insurance premiums became too much. They now reside in Tallahassee, Florida. 40:35 Sen. Chuck Grassley (R-IA): Dr. EJ Antoni is a Research Fellow at the Heritage Foundation Grover M. Hermann Center for the Federal Budget. His research focuses on fiscal and monetary policy, and he previously was an economist at the Texas Public Policy Foundation. Antoni earned his Master's degree and Doctor's degree in Economics from Northern Illinois University. 41:10 Sen. Chuck Grassley (R-IA): Commissioner Glen Mulready has served as Oklahoma's 13th Insurance Commissioner and was first elected to this position in 2019. Commissioner Mulready started his insurance career as a broker in 1984, and also served in the Oklahoma State House of Representatives. 42:15 Rade Musulin: Okay. My name is Ray Muslin. I'm an actuary who has extensive experience in natural hazard risks and funding arrangements for the damage and loss they cause. I've worked with many public sector entities on policy responses to the challenges of affordability, availability of insurance, and community resilience. This work included participating in Florida's response to Hurricane Andrew, which included the creation of the Florida Hurricane Catastrophe Fund and Citizens Property Insurance Corporation. The Cat Fund and Citizens can access different forms of funding than traditional insurance companies. Instead of holding sufficient capital or reinsurance before an event to cover the cost of potential losses, both entities use public sources of capital to reduce upfront costs by partially funding losses post-event through bonding and assessments. All property casualty insurance policy holders, whether in Citizens or not, are subject to its assessments. While the Cat Fund can also assess almost all policies, including automobile, this approach exposes Floridians to debt and repayment if large losses occur, and it subsidizes high risk policies from the entire population. These pools, others like them in other states, and the NFIP have contributed to rapid development in high risk areas driving higher costs in the long run. In Florida, national insurers have reduced their exposure as a significant proportion of the insurance market has moved to Citizens or smaller insurers with limited capital that are heavily dependent on external reinsurance. To date, Florida's system has been successful in meeting its claims obligations, while improvements in building codes have reduced loss exposure. However, for a variety of reasons, including exposure to hurricanes, claims cost inflation, and litigation, Florida's insurance premiums are the highest in the nation, causing significant affordability stress for consumers. According to market research from Bankrate, the average premium for a $300,000 home in Florida is three times the national average, with some areas five times the national average. A major hurricane hitting a densely populated area like Miami could trigger large and long lasting post-event assessments or even exceed the system's funding capacity. Continued rapid exposure growth and more extreme hurricane losses amplified by climate change will cause increasing stress on the nation's insurance system, which may be felt through solvency issues, non-renewals, growth of government pools, and affordability pressure. 44:55 Rade Musulin: Evidence of increasing risk abounds, including Hurricane Otis in 2023, which rapidly intensified from a tropical storm to a cat. five hurricane and devastated Acapulco in Mexico last summer. Water temperatures off Florida exceeded a hundred degrees Fahrenheit last week. As was alluded to earlier, NOAA forecast an extremely active hurricane season for '24. We've seen losses in the Mid-Atlantic from Sandy, record flooding from Harvey, and extreme devastation from Maria, among others. In coming decades, we must prepare for the possibility of more extreme hurricanes and coastal flooding from Texas to New England. 46:50 Dr. Ishita Sen: Good morning Senators. I am Ishita Sen, Assistant Professor at Harvard Business School and my research studies insurance markets. In recent work with co-authors at Columbia University and the Federal Reserve Board, I examine how climate risk creates fiscal and potentially financial instability because of miscalibrated insurer screening standards and repercussions to mortgage markets. 47:15 Dr. Ishita Sen: Insurance is critical to the housing market. Property insurers help households rebuild after disasters by preserving collateral values and reducing the likelihood that a borrower defaults. Insurance directly reduces the risks for mortgage lenders and the Government-Sponsored Enterprises (GSEs) such as Fannie Mae and Freddie Mac Mortgage Lenders therefore require property insurance and the GSEs only purchase mortgages backed by insurers who meet minimum financial strength ratings, which measure insurer solvency and ability to pay claims. The GSEs accept three main rating agencies AM Best, S & P and, more recently, Demotech. And to provide an example, Fannie Mae requires insurers to have at least a B rating from AM Best, or at least an A rating from Demo Tech to accept a mortgage. Now, despite having this policy in place, we find a dramatic rise in mortgages backed by fragile insurers and show that the GSEs and therefore the taxpayers ultimately shoulder a large part of the financial burden. Our research focuses on Florida because of availability of granular insurance market data, and we show that traditional insurers are exiting and the gap is rapidly being filled by insurers, rated by Demotech, which has about 60% market share in Florida today. These insurers are low quality across a range of different financial and operational metrics, and are at a very high risk of becoming insolvent. But despite their risk, these insurers secure high enough ratings to meet the minimum rating requirements set by the GSEs. Our analysis shows that many actually would not be eligible under the methodologies of other rating agencies, implying that in many cases these ratings are inflated and that the GSEs insurer requirements are miscalibrated. 49:20 Dr. Ishita Sen: We next look at how fragile insurers create mortgage market risks. So in the aftermath of Hurricane Irma, homeowners with a policy from one of the insolvent Demotech insurers were significantly more likely to default on their mortgage relative to similar borrowers with policies from stable insurers. This is because insurers that are in financial trouble typically are slower to pay claims or may not pay the full amounts. But this implies severe economic hardships for many, many Floridians despite having expensive insurance coverage in place. However, the pain doesn't just stop there. The financial costs of fragile insurers go well beyond the borders of Florida because lenders often sell mortgages, for example, to the GSEs, and therefore, the risks created by fragile insurers spread from one state to the rest of the financial system through the actions of lenders and rating agencies. In fact, we show two reasons why the GSEs bear a large share of insurance fragility risk. First is that lenders strategically securitize mortgages, offloading loans backed by Demotech insurers to the GSEs in order to limit their counterparty risk exposures. And second, that lenders do not consider insurer risk during mortgage origination for loans that they can sell to the GSEs, even though they do so for loans that they end up retaining, indicating lax insurer screening standards for loans that can be offloaded to the GSEs. 50:55 Dr. Ishita Sen: Before I end, I want to leave you with two numbers. Over 90%. That's our estimate of Demotech's market share among loans that are sold to the GSEs. And 25 times more. That's Demotech's insolvency rate relative to AM Best, among the GSE eligible insurers. 57:15 Glen Mulready: As natural disasters continue to rise, understanding the dynamics of insurance pricing is crucial for both homeowners and policymakers. Homeowners insurance is a fundamental safeguard for what is for many Americans their single largest asset. This important coverage protects against financial loss due to damage or destruction of a home and its contents. However, recent years have seen a notable increase in insurance premiums. One significant driver of this rise is convective storms and other severe weather events. Convective storms, which include phenomena like thunderstorms, tornadoes, and hail, have caused substantial damage in various regions. The cost to repair homes and replace belongings after such events has skyrocketed leading insurance companies to adjust their premiums to cover that increased risk. Beyond convective storms, we've witnessed hurricanes, wildfires, and flooding. These events have not only caused damage, but have also increased the long-term risk profile of many areas. Insurance companies are tasked with managing that risk and have responded by raising premiums to ensure they can cover those potential claims. 58:30 Glen Mulready: Another major factor influencing homeowner's insurance premiums is inflation. Inflation affects the cost of building materials, labor, and other expenses related to home repair and reconstruction. As the cost of living increases, so does the cost of claims for insurers. When the price of lumber, steel, and other essential materials goes up, the expense of repairing or rebuilding homes also rises. Insurance companies must reflect these higher costs in their premiums to maintain financial stability and ensure they can meet those contractual obligations to policyholders. 59:35 Glen Mulready: I believe the most essential aspect of managing insurance premiums is fostering a robust, competitive free market. Competition among insurance companies encourages innovation and efficiency, leading to better pricing and services for consumers. When insurers can properly underwrite and price for risk, they create a more balanced and fair market. This involves using advanced data analytics and modeling techniques to accurately assess the risk levels of different properties. By doing so, insurance companies can offer premiums that reflect the true risk, avoiding excessive charges for low risk homeowners, and ensuring high risk properties are adequately covered. Regulation also plays a crucial role in maintaining a healthy insurance market. Policyholders must strike a balance between consumer protection and allowing insurers the freedom and flexibility to adjust their pricing based on the risk. Overly stringent regulations can stifle competition and lead to market exits, reducing choices for consumers. We've seen this play out most recently in another state where there were artificial caps put in place on premium increases that worked well for consumers in the short term, but then one by one, all of the major insurers began announcing they would cease to write any new homeowners insurance in that state. These are all private companies, and if there's not the freedom and flexibility to price their products properly, they may have to take drastic steps as we've seen. Conversely, a well-regulated market encourages transparency and fairness, ensuring that homeowners have access to the most affordable and adequate coverage options. 1:02:00 Dr. EJ Antoni: I'm a public finance economist and the Richard F. Aster fellow at the Heritage Foundation, where I research fiscal and monetary policy with a particular focus on the Federal Reserve. I am also a senior fellow at the Committee to Unleash Prosperity. 1:02:15 Dr. EJ Antoni: Since January 2021, prices have risen a cumulative 19.3% on average in the American economy. Construction prices for single family homes have risen much faster, up 30.5% during the same time. 1:03:20 Dr. EJ Antoni: Actuarial tables used in underwriting to estimate risk and future losses, as well as calculate premiums, rely heavily on those input costs. When prices increase radically, precisely as has happened over the last several years, old actuarial tables are of significantly less use when pricing premiums because they will grossly understate the future cost to the insurer. The sharp increase in total claim costs since 2019 has resulted in billions of dollars of losses for both insurers and reinsurers prompting large premium increases to stop those losses. This has put significant financial stress on consumers who are already struggling with a cost of living crisis and are now faced with much higher insurance premiums, especially for homeowners insurance. 1:05:10 Dr. EJ Antoni: The increase in claims related to weather events has undoubtedly increased, but it is not due to the climate changing. This is why the insurance and reinsurance markets do not rely heavily on climate modeling when pricing premiums. Furthermore, climate models are inherently subjective, not merely in how the models are constructed, but also by way of the inputs that the modeler uses. In other words, because insufficient data exists to create a predictive model, a human being must make wide ranging assumptions and add those to the model in place of real world data. Thus, those models have no predictive value for insurers. 1:07:40 Sen. Sheldon Whitehoue (D-RI): You say that this combination of demographics, development, and disasters poses a significant risk to our financial system. What do you mean by risk to our financial system Rade Musulin: Well, Senator, if you look at the combination, as has been pointed out, of high growth and wealth accumulation in coastal areas, and you look at just what we've observed in the climate, much less what's predicted in the future, there is significant exposure along the coastline from Maine to Texas. In fact, my family's from New Jersey and there is enormous development on the coast of New Jersey. And if we start to get major hurricanes coming through those areas, the building codes are probably not up to the same standards they are in Florida. And we could be seeing some significant losses, as I believe was pointed out in the recent Federal Reserve study. Sen. Sheldon Whitehoue (D-RI): And how does that create risk to the financial system? Rade Musulin: Well, because it's sort of a set of dominoes, you start with potentially claims issues with the insurers being stressed and not able to pay claims. You have post-event rate increases as we've seen in Florida, you could have situations where people cannot secure insurance because they can't afford it, then that affects their mortgage security and so on and so forth. So there are a number of ways that this could affect the financial system, sir. Sen. Sheldon Whitehoue (D-RI): Cascading beyond the immediate insurer and becoming a national problem. Rade Musulin: Well, I would just note Senator, that in Florida, the real problems started years after we got past Andrew. We got past paying the claims on Andrew, and then the big problems occurred later when we tried to renew the policies. 1:10:50 Sen. Sheldon Whitehouse (D-RI): And you see in this, and I'm quoting you here, parallels in the 2008 financial crisis. What parallels do you see? Dr. Ishita Sen: So just like what happened during the financial crisis, there were rating agencies that gave out high ratings to pools of mortgages backed by subprime loans. Here we have a situation where rating agencies like Demotech are giving out inflated ratings to insurance companies. The end result is sort of the same. There is just too much risk and too many risky mortgages being originated, in this case backed by really low quality insurers that are then entering the financial system. And the consequences of that has to be born by, of course the homeowners, but also the mortgage owners, GSCs (Government Sponsored Enterprises), the lenders, and ultimately the federal and state governments. Sen. Sheldon Whitehouse (D-RI): You say, this will be my last question. The fragility of property insurers is an important channel through which climate risk might threaten the stability of mortgage markets and possibly the financial system. What do you mean when you refer to a risk to the financial system? Dr. Ishita Sen: Well, as I was explaining the GSEs, if there are large losses that the GSEs face, then those losses have to be plugged by somebody. So the taxpayers, that's one channel through which you've got risk to the financial system and the GSE's serve as a backstop in the mortgage market. They may not have the ability or capacity to do so in such a scenario, which affects mortgage backed security prices, which are held by all sorts of financial institutions. So that starts affecting all of these institutions. On the other hand, if you've got a bunch of insurers failing, another channel is these insurers are one of the largest investors in many asset classes like corporate bonds, equities, and so on. And they may have to dump these securities at inopportune times, and that affects the prices of these securities as well. 1:12:45 Sen. Chuck Grassley (R-AI): Dr. Antoni, is there any evidence to support the notion that climate change is the greatest threat to the insurance market? Dr. EJ Antoni: No. Senator, there is not. And part of that has to do again, with the fact that when we look at the models that are used to predict climate change, we simply don't have enough empirical data with which we can input into those models. And so as a result of that, we have to have human assumptions on what we think is going to happen based essentially on a guess. And as a result of that, these models really are not of any predictive value, and that's why these models for the last 50 years have been predicting catastrophic outcomes, none of which have come true. 1:14:45 Glen Mulready: This focus on the rating agencies, I would agree with that if that were the be all end all. But the state insurance commissioners in each 50 states is tasked with the financial solvency of the insurance companies. We do not depend on rating agencies for that. We are doing financial exams on them. We are doing financial analysis every quarter on each one of them. So I would agree if that was the sort of be all end all, forgive that phrase, but it's not at all. And we don't depend very much at all on those rating agencies from our standpoint. 1:22:15 Dr. Ishita Sen: On the point about regulators looking at -- rating agencies is not something that we need to look at. I would just point out that in Florida, if you look at the number of exams that the Demotech rated insurers, that by the way have a 20% insolvency rate relative to 0% for traditional insurers, they get examined at the same rate as the traditional insurers like Farmers and AllState get examined, which is not something that you would expect if you're more risky. You would expect regulators to come look at them much, much more frequently. And the risk-based capital requirements that we have currently, which were designed in the 1980s, they're just not sensitive enough to new risks like wildfire and hurricanes and so on. And also not as well designed for under-diversified insurance companies because if so, all of these insurers were meeting the risk-based capital requirements, however, at the same time going insolvent at the rate of 20%. So those two things don't really go hand in hand. 1:23:25 Dr. Ishita Sen: Ultimately what the solution is is something that is obviously the main question that we are here to answer, but I would say that it is extremely hard to really figure out what the solution is, in part because we are not in a position right now to even answer some basic facts about how big the problem is, what exactly the numbers look like. For instance, we do not know basic facts about how much coverage people have in different places, how much they're paying. And when I say we don't know, we don't know this at a granular enough level because the data does not exist. And the first step towards designing any policy would be for us to know exactly how bad the problem is. And then we come up with a solution for that and start to evaluate these different policy responses. Right now we are trying to make policy blindfolded. 1:23:50 Sen. Ron Johnson (R-WI): So we've had testimony before this committee that we've already spent $5-6 trillion. That's 5,000 to 6,000 billion dollars trying to mitigate climate change. We haven't made a dent in it. Their estimates, it's going to cost tens of trillions of dollars every year to reach net zero. So again, this is not the solution for a real problem, which is the broken insurance market. I have enough Wisconsin residents who live on the Gulf Coast in Florida to know after Hurricane Ian, you got some real problems in Florida. But fixing climate change isn't the solution. 1:33:15 Sen. Jeff Merkley (D-OR): In looking at the materials I saw that Citizens Property Insurance Company, I gather that's Louisiana and Florida, that have a completely state backed program. Well, alright, so if the state becomes the insurer of last resort and they now suffer the same losses that a regular private insurance company is suffering, now the folks in the state are carrying massive debt. So that doesn't seem like a great solution. Dr. Ishita Sen: That's definitely a problem, right? The problem is of course, that whether the state then has the fiscal capacity to actually withstand a big loss, like a big hurricane season, which is a concern that was raised about Citizens. And in such a scenario then in a world where they do not have enough tax revenue, then they would have to go into financial markets, try to borrow money, which could be very costly and so on. So fiscally it's going to be very challenging for many cities and many municipalities and counties and so on. 1:36:40 Sen. Mitt Romney (R-UT): I wish there were something we could do that would reduce the climate change we're seeing and the warming of the planet. But I've seen absolutely nothing proposed by anyone that reduces CO2 emissions, methane gases and the heating of the planet. Climate change is going to happen because of the development in China and Indonesia and Brazil, and the only thing that actually makes any measurable impact at all is putting a price on carbon, and no one seems to be willing to consider doing that. Everything else that's being talked about on the climate — Democratic Senator: I got two bills. Sen. Mitt Romney (R-UT): I know you and I are, but you guys had reconciliation. You could have done it all by yourselves and you didn't. So the idea that somehow we're going to fix climate and solve the insurance problem is pie in the sky. That's avoiding the reality that we can't fix climate because that's a global issue, not an American issue. Anyway, let me turn back to insurance. 1:38:30 Sen. Mitt Romney (R-UT): So the question is, what actions can we take? Fiscal reform? Yes, to try and deal with inflation. Except I want to note something, Mr. Antoni, because you're esteemed at the Heritage Foundation. 72% of federal spending is not part of the budget we vote on. So we talk about Biden wants to spend all this.... 72% we don't vote on; we only vote on 28%. Half of that is the military. We Republicans want more military spending, not less. So that means the other 14%, which the Democrats want to expand, there's no way we can reduce the 14% enough to have any impact on the massive deficits we're seeing. So there's going to have to be a broader analysis of what we have to do to reign in our fiscal challenges. I just want to underscore that. I would say a second thing we can do, besides fiscal reform and dealing with inflation, is stopping subsidizing high risk areas. Basically subsidizing people to build expensive places along the coast and in places that are at risk of wildfire. And we subsidize that and that creates huge financial risk to the system. And finally, mitigation of one kind or another. That's the other thing we can do is all sorts of mitigation: forestry management, having people move in places that are not high risk. But if you want to live in a big house on the coast, you're gonna have to spend a lot of money to insure it or take huge risk. That's just the reality. So those are the three I come up with. Stop the subsidy, mitigation, and fiscal reform. What else am I missing, Mr. Musulin? And I'm just going to go down the line for those that are sort of in this area to give me your perspectives. Rade Musulin: Well, thank you, Senator. And I'd agree with all those things. And I'd also add that we need to start thinking about future-proofing our building codes and land use policies. The sea levels are rising. If you're going to build a house that's supposed to last 75 years, you ought to be thinking about the climate in 75 years when you give somebody a permit to build there. So I'd say that's important. I'd also say that large disasters also drive inflation because it puts more pressure and demand on labor and materials. More disasters means supplies that could have been used to build new homes for Americans or diverted to rebuild homes in the past. So certainly doing things to reduce the vulnerability of properties and improve their resilience is important. And I do think, sir, that there are things we can do about climate change with respect over periods of decades that can make a difference in the long run. Thank you. Sen. Mitt Romney (R-UT): Thank you. Yes. Dr. Ishita Sen: So before that, the one point about inflation that we are missing, which is without doubt it is a contributing factor, but the US has had inflation in the past without such an acute crisis in insurance markets. So whether that is the biggest cause or not is up for debate. I don't think we have reached a conclusion on inflation being the biggest contributor of rising insurance cost. Sen. Mitt Romney (R-UT): It's just a big one. You'd agree It's a big one? Dr. Ishita Sen: I agree. It's a big one, but I wouldn't say it's the biggest one in terms of policy solutions. I completely agree with you on, we need to stop subsidizing building in high risk areas. That's definitely one of the things we need to do that. Mitigation, another point that you bring up. And on that, I would say not only do we need to harden our homes, but we also need to harden our financial institutions, our banks, and our insurance companies in order to make them withstand really large climate shocks that are for sure coming their way. Sen. Mitt Romney (R-UT): Thank You, Ms. Wood. I'm going to let you pass on this just because that's not your area of expertise. Your experience was something which focused our thinking today. Mr. Mulready. Glen Mulready: Thank you, Senator. I would say amen to your comments, but I'll give you three quick things. Number one, FEMA has a survey out that states that every $1 spent in mitigation saves $6 in lost claims. It pays off. Number two, unfortunately, a lot of communities have to have a disaster happen. In Moore, Oklahoma, back a dozen years ago, an EF5 (tornado) hit, it was just totally devastating. After that, the city of Moore changed their zoning, they changed their building zoning codes, and then third, the city of Tulsa, back in the eighties, had horrible flooding happened. So they invested over decades in infrastructure to prevent flooding. Now we're one of only two communities in the country that are Class one NFIP rated. 1:45:40 Sen. Chris Van Hollen (D-MD): One way to address this, and I think it was discussed in a different matter, is the need to get the data and to get consensus on where the risks lie, which is why last year Senator Whitehouse, Senator Warren and I sent a letter to the Treasury Department, to the Federal Insurance Office (FIO), urging them to collect information from different states. I'm a supporter of a state-based insurance system for property and casualty insurance, but I do think it would benefit all of us to have a sort of national yardstick against which we can measure what's happening. So Dr. Sen, could you talk a little bit about the benefit of having a common source of insurance data through the FIO and how that could benefit state regulators and benefit all of us? Dr. Ishita Sen: Yeah, absolutely. Thanks for bringing that up. That's just the first order importance, I think, because we don't even know the basic facts about this problem at a granular enough level. The risks here are local, and so we need to know what's going zip code-by-zip code, census tract-by-census tract, and for regulators to be able to figure out exactly how much risk is sitting with each of these insurance companies they need to know how much policies they're writing, what's the type of coverage they're selling in, what are the cancellations looking like in different zip codes. Only then can they figure out exactly how exposed these different insurers are, and then they can start designing policy about whether the risk-based capital ratios look alright or not, or should we put a surcharge on wildfires or hurricanes and so on? And we do need a comprehensive picture. We just can't have a particular state regulator look at the risks in that state, because of course, the insurer is selling insurance all over the country and we need to get a comprehensive picture of all of that. 1:47:40 Sen. Chris Van Hollen: I appreciate that. I gather that the Treasury Department is getting some resistance from some state insurance regulators. I hope we can overcome that because I'm not sure why anyone would want to deny the American people the benefit of the facts here. 1:48:45 Rade Musulin: I will just note that sometimes climate change itself can contribute to the inflation we've been talking about. For example, there were beetle infestations and droughts and fires in Canada, which decimated some of the lumber crop and led to a fivefold increase in the cost of lumber a few years ago. So some of this claims inflation is actually related to climate change, and I think we need to address that. 1:49:35 Glen Mulready: If you didn't know, the NAIC, National Association of Insurance Commission is in the midst of a data collection right now that will collect that data for at least 80% of the homeowner's market. And we have an agreement with FIO (Federal Insurance Office) to be sharing that data with them. They originally came to us, I got a letter from FIO and they were requesting data that we did not actually collect at the zip code level, and they had a very stringent timeline for that. So my response, it wasn't, no, it was just, look, we can't meet that timeline. We don't collect that today. We can in the future. But from that is where this has grown the data called by the NEIC. Sen. Chris Van Hollen (D-MD): So I appreciate, I saw that there had been now this effort on behalf of the....So has this now been worked out? Are there any states that are objecting, to your knowledge at this point in time, in terms of sharing data? Glen Mulready: I don't know about specific states. We will be collecting data that will represent at least 80% of the market share. Music by Editing Production Assistance

Our friend Seagull joins us this week and has a convo about what it's like being a GO and TCG judge for regionals and NAIC this year!@SeagullTheDevPokemon Support Page LinkCheck out the BTW Web Site for merch, bios, videos and more: BTWPvP.comSubscribe to our YouTube channel!Team BTWLyleJeffs111 on Twitchhttps://www.twitch.tv/lylejeffsiiiKyleThrows on Twitchhttps://www.twitch.tv/kylethrowsCnfessionhttps://www.twitch.tv/cnfessionEvan777713https://www.twitch.tv/evan777713KingOwlexanderhttps://www.twitch.tv/kingowlexanderGracieZhttps://www.twitch.tv/vgraciezCheck out and listen to our friends The Round Table ChatotIf you have suggestions, ideas, or inquiries, you can contact:Our Executive Producer: matthewbraeker@btwpvp.comYou can email us at the following:The Show: info@btwpvp.comAstro: astrozombie954@btwpvp.comDinho: dinhoelmagico@btwpvp.comWildcat: wildcatdad17@btwpvp.comGood Luck and Get Good! Become part of Team B.T.W Hosted on Acast. See acast.com/privacy for more information.

The trio is back to talk all things Ceruledge release, doobsnax's takes on NAIC, and a bunch more about the most recent China version of Unite!

Welcome to PvP Corner with DPhiE250 and special guest, SpeediestChief!   Today's topics include:  How we kept Summer Cup fun for two weeks Discussion for the next few weeks of GO Battle League, including Open Great League, Master Premier, and even some speculation about Great League Remix Reminders about the Scorching Steps and Cyndaquil Community Day Classic events  A breakdown of all of the starter First Partner Pokémon available during the 8th Anniversary event SpeediestChief's take on NAIC going into Worlds in Honolulu and some thoughts on mental fortitude  Lots of PvP questions and topics addressed including the worst (but maybe not?) Community Day legacy attacks, if Houndoom will ever be meta, all things Eevee Evolutions, and a decision about a Cosmog. Achievements come back next week, and so does FishOnAHeater!If you enjoyed listening to this episode and want to hear more from SpeediestChief, you can find him at the following places online:  Show 6 Podcast X/Twitter Youtube Twitch Regular Links: GBL Timeless Travels Blog post Support PvPoke on Patreon or Github Play! Pokémon 2024 Season Information from Dracoviz Support The Battle Frontier on Patreon More Fish More DPhiE250 Voicemail: (262) 586-7717 Email: pvpcorner@gocastpodcast.com Physical mail: GOCast PO BOX Crystal Lake - Post Office PO Box 367 301 E Congress Pkwy Crystal Lake, IL 60039 --- Send in a voice message: https://podcasters.spotify.com/pod/show/gocastpodcast/message

Astro is back from NAIC and talks about his preparation, and run in New Orleans!!! Of course, there's some shenanigans along the way.Check out the BTW Web Site for merch, bios, videos and more: BTWPvP.comSubscribe to our YouTube channel!Team BTWLyleJeffs111 on Twitchhttps://www.twitch.tv/lylejeffsiiiKyleThrows on Twitchhttps://www.twitch.tv/kylethrowsCnfessionhttps://www.twitch.tv/cnfessionEvan777713https://www.twitch.tv/evan777713KingOwlexanderhttps://www.twitch.tv/kingowlexanderGracieZhttps://www.twitch.tv/vgraciezCheck out and listen to our friends The Round Table ChatotIf you have suggestions, ideas, or inquiries, you can contact:Our Executive Producer: matthewbraeker@btwpvp.comYou can email us at the following:The Show: info@btwpvp.comAstro: astrozombie954@btwpvp.comDinho: dinhoelmagico@btwpvp.comWildcat: wildcatdad17@btwpvp.comGood Luck and Get Good! Become part of Team B.T.W Hosted on Acast. See acast.com/privacy for more information.

This week the Beach Court Podcast crew recaps the results of the North American International Championship and fills you in on why we chose to play Raging Bolt to the North American International Championships.  Hear our tournament report, review our predictions and hear our insight on the cool day 2 decks at NAIC. All this and much more on this week's episode of the Beach Court Podcast.    Thanks to Nakama Anime Cafe for being an official sponsor of the Beach Court Podcast! They offer a traditional Japanese dining experience right here in our backyard of Orange Park, FL. Nakama also has a karaoke bar right next door... So you can grab some grub and then head next door to sing along to your favorite Pokemon songs! Find more details at: https://nakamabar.com/nakama-cafe/ Tell them that Beach Court Podcast sent you :)   Follow the Beach Court Podcast Socials: LinkTree: https://linktr.ee/beachcourtpod Follow the Beach Court Podcast crew on Twitter: Eric - https://twitter.com/RidgewayTCG Maddox - https://twitter.com/MaddoxTCG Parker - https://twitter.com/Squint_PTCG #pokemon #pokemontcg #beachcourtpodcast  #NAIC #NorthAmericanInternationalChampionships

The man, the myth, the Gyarados artist, Wonderchef joins us for this episode! We break down all things NAIC! 2 tournaments, one set of trophies, it was a whole thing.

0:00 Intros 2:20 Rapid Strike Questions 5:30 NAIC prep 11:00 Match-ups 20:00 Decklist Jacob: https://x.com/jacobe64608601 Twitter: https://twitter.com/Mellow_Magikarp Podcast: https://twitter.com/LakeOfRagepod Discord: https://discord.gg/SmbccF55xZ Twitch: https://www.twitch.tv/mellow_magikarp Sponsor: https://www.tabletopvillage.com/ Code: Mellow5 for 5% off Sponsor: https://tcevolutions.com/ Code: lake10 Merch: https://www.doomed-gaming.com/ Code: Lake for 10% off Sleeves: https://thechampionsreserve.com/shop Code: lake15

Welcome to PvP Corner with DPhiE250, joined today by Amanda Lundberg!  FishOnAHeater is still traveling Italy and we are wishing him the best on his travels! Today's topics include:  GO Battle League Summer Cup Upcoming in-game events from a PvP perspective, including GOFest Madrid, Spelunker's Cove, Scorching Steps and Cyndaquil Community Day Classic Reminders about Battle Frontier Season 3 and an introduction to Devon's Tundra Cup A full breakdown of our experiences at NAIC in New Orleans One piece of mail discussing how we could better utilize Candela, Spark and Blanche in game Be sure to send in your PvP achievements and your listener questions so we can chat about them on the podcast!  Want to hear more from Amanda? Be sure to check out… Amanda's NAIC Preview on Pokemon.com X.com/lundbergerAmanda's Youtube channel Gymbreakers on MyPvPAcademia Tap Tap Cast Regular Links: GBL Timeless Travels Blog post Support PvPoke on Patreon or Github Play! Pokémon 2024 Season Information from Dracoviz Support The Battle Frontier on Patreon More Fish More DPhiE250 Voicemail: (262) 586-7717 Email: pvpcorner@gocastpodcast.com Physical mail: GOCast PO BOX Crystal Lake - Post Office PO Box 367 301 E Congress Pkwy Crystal Lake, IL 60039 --- Send in a voice message: https://podcasters.spotify.com/pod/show/gocastpodcast/message

New Orleans was hot, but a certain fish was hotter. Mike and Kevin go over NAIC, Hong Kong & so much more in this action-packed episode. --- Send in a voice message: https://podcasters.spotify.com/pod/show/pokesports/message

Aaron is back after his trip to NAIC in New Orleans and spends time talking the city, venue, and of course the competition! Justin (Pokebrews) joins in to help cover all topics and talk about the fun times that were had at NAIC. We first cover our experiences with the venue, what decks we chose and how it went. Later we cover the meta and how Andrew Hedrick was able to defeat Stephane Ivanoff in a thrilling finals. Want to play in our unique TCG League Challenges? Check out the Patreon! https://www.patreon.com/PCSPodcast Join our discord to hang out and chat with us! https://t.co/npb7RpLLvK

This week the Beach Court Podcast crew brings you a special episode and discussion with 2024 North American International Champion Andrew Hedrick.  Hear about Andrew's Pokemon journey, NAIC run and why he chose to play Turbo Lost Box to the 2024 NAIC International Championships.    Thanks to Nakama Anime Cafe for being an official sponsor of the Beach Court Podcast! They offer a traditional Japanese dining experience right here in our backyard of Orange Park, FL. Nakama also has a karaoke bar right next door... So you can grab some grub and then head next door to sing along to your favorite Pokemon songs! Find more details at: https://nakamabar.com/nakama-cafe/ Tell them that Beach Court Podcast sent you :)   Follow the Beach Court Podcast Socials: LinkTree: https://linktr.ee/beachcourtpod Follow the Beach Court Podcast crew on Twitter: Eric - https://twitter.com/RidgewayTCG Maddox - https://twitter.com/MaddoxTCG Parker - https://twitter.com/Squint_PTCG #pokemon #pokemontcg #beachcourtpodcast  #NAIC #NorthAmericanInternationalChampionships

Dani and Nate discuss the latest in Pokemon! This week we talk about what happened at NAIC in New Orleans, the upcoming Pokemon World Championships in Hawaii, more news on the next Japanese TCG set "Night Wandered," and even Pokemon GO TCG News? Right here on... The Shadowless Podcast!

Caleb and Coriander The Clown are joined by HurricaneKaz to recap North America International Championships, Caleb shares his side events insights, and two players are waiting for championship points to register on the 11th hour... Where to find us! YouTube - youtube.com/@thebattlecatzpodcast   Caleb Peng YouTube - youtube.com/calebpeng X - https://twitter.com/CalebPeng Twitch - twitch.tv/calebpeng Anicor X - https://twitter.com/AnicorXIII

NAIC was this past weekend and it did not disappoint!!!VGC Code HERECheck out the BTW Web Site for merch, bios, videos and more: BTWPvP.comSubscribe to our YouTube channel!Team BTWLyleJeffs111 on Twitchhttps://www.twitch.tv/lylejeffsiiiKyleThrows on Twitchhttps://www.twitch.tv/kylethrowsCnfessionhttps://www.twitch.tv/cnfessionEvan777713https://www.twitch.tv/evan777713KingOwlexanderhttps://www.twitch.tv/kingowlexanderGracieZhttps://www.twitch.tv/vgraciezCheck out and listen to our friends The Round Table ChatotIf you have suggestions, ideas, or inquiries, you can contact:Our Executive Producer: matthewbraeker@btwpvp.comYou can email us at the following:The Show: info@btwpvp.comAstro: astrozombie954@btwpvp.comDinho: dinhoelmagico@btwpvp.comWildcat: wildcatdad17@btwpvp.comGood Luck and Get Good! Become part of Team B.T.W Hosted on Acast. See acast.com/privacy for more information.

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Welcome to the 190th episode of the Meta Pod podcast, the #PokémonTCG podcast that revolves around the evolving meta!  @AtrociousJake  &  @gyrosean  sit down to discuss the #NAIC #PlayPokemon Championships results with the new #twilightmasquerade meta! -- We have a Discord server now! Join here: https://discord.gg/5DhX4sbJu3 -- Reach out to us with any thoughts or topic suggestions via Twitter: https://twitter.com/metapodtcg Instagram: https://www.instagram.com/metapodtcg/ TikTok: https://www.tiktok.com/@metapodtcg Check out the Meta Pod YouTube: https://www.youtube.com/channel/UCWcPqrzElSZKqYOIkMgOZuw Follow our Threads: https://www.threads.net/@metapodtcg See the decks we showcase: https://pokemoncard.io/author/?author=54755 -- Here are a few of the other places where we make content: Sean's YouTube: https://youtube.com/gyrosean Jake's YouTube: https://www.youtube.com/c/atrociousjake Sean's Twitch: https://www.twitch.tv/gyrosean Jake's Twitch: https://www.twitch.tv/atrociousjake Sean's Threads: https://www.threads.net/@gyrosean Jake's Threads: https://www.threads.net/@atrociousjake --- Support this podcast: https://podcasters.spotify.com/pod/show/metapodtcg/support

In this episode, we discuss the “Willy Wonka Experience”-esque Pokemon Expo, cover the NAIC news, and discuss a new Pokemon TCG rumor. Plus, a brand new PokeFact of the Week.  To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Liam is scrambling! Here is the current thought process with theory god Abaan Ahmed. 

Support us on Patreon and gain access to a 30 minute bonus podcast episode every week: https://www.patreon.com/UncommonEnergyPodcast Thanks to Dragon Shield for being an official sponsor of the Uncommon Energy Podcast! They make the best sleeves, accessories, and gaming products in the entire industry. Get 5% off your order by using code "UEPOD" online at: https://dragonshield.com/?ref=uncommonenergy

Welcome to the 189th episode of the Meta Pod podcast, the #PokémonTCG podcast that revolves around the evolving meta!  @AtrociousJake  &  @gyrosean  sit down to discuss the upcoming #NAIC #PlayPokemon Championships with the new #twilightmasquerade meta! -- We have a Discord server now! Join here: https://discord.gg/5DhX4sbJu3 -- Reach out to us with any thoughts or topic suggestions via Twitter: https://twitter.com/metapodtcg Instagram: https://www.instagram.com/metapodtcg/ TikTok: https://www.tiktok.com/@metapodtcg Check out the Meta Pod YouTube: https://www.youtube.com/channel/UCWcPqrzElSZKqYOIkMgOZuw Follow our Threads: https://www.threads.net/@metapodtcg See the decks we showcase: https://pokemoncard.io/author/?author=54755 -- Here are a few of the other places where we make content: Sean's YouTube: https://youtube.com/gyrosean Jake's YouTube: https://www.youtube.com/c/atrociousjake Sean's Twitch: https://www.twitch.tv/gyrosean Jake's Twitch: https://www.twitch.tv/atrociousjake Sean's Threads: https://www.threads.net/@gyrosean Jake's Threads: https://www.threads.net/@atrociousjake --- Support this podcast: https://podcasters.spotify.com/pod/show/metapodtcg/support

0:00 Intros 2:20 Top 3 played decks 8:30 Lugia VSTAR 16:30 Raging Bolt ex 22:00 Gardevoir 29:00 Dragapult 41:00 Snorlax stall 45:00 Best Hands deck Ian: https://x.com/Ian__Robb Michael: https://x.com/Oupas327 Christian: https://x.com/SticksPTCG Emma: https://x.com/Littlesislatias Twitter: https://twitter.com/Mellow_Magikarp Podcast: https://twitter.com/LakeOfRagepod Discord: https://discord.gg/SmbccF55xZ Twitch: https://www.twitch.tv/mellow_magikarp Sponsor: https://www.tabletopvillage.com/ Code: Mellow5 for 10% off Sponsor: https://tcevolutions.com/ Code: lake10 Merch: https://www.doomed-gaming.com/ Code: Lake for 10% off Sleeves: https://thechampionsreserve.com/shop Code: lake15

Support us on Patreon and gain access to a 30 minute bonus podcast episode every week: https://www.patreon.com/UncommonEnergyPodcast Thanks to Dragon Shield for being an official sponsor of the Uncommon Energy Podcast! They make the best sleeves, accessories, and gaming products in the entire industry. Get 5% off your order by using code "UEPOD" online at: https://dragonshield.com/?ref=uncommonenergy

0:00 Intros 2:20 Dragapult ex 13:00 Raging Bolt ex 18:30 Miradon ex 22:00 Lugia VSTAR 32:00 Snorlax stall 36:00 Gardy 40:00 Charizard Joe: https://x.com/omni_joe Twitter: https://twitter.com/Mellow_Magikarp Podcast: https://twitter.com/LakeOfRagepod Discord: https://discord.gg/SmbccF55xZ Twitch: https://www.twitch.tv/mellow_magikarp Sponsor: https://www.tabletopvillage.com/ Code: Mellow5 for 10% off Sponsor: https://tcevolutions.com/ Code: lake10 Merch: https://www.doomed-gaming.com/ Code: Lake for 10% off Sleeves: https://thechampionsreserve.com/shop Code: lake15

Welcome to the 183rd episode of the Meta Pod podcast, the #PokémonTCG podcast that revolves around the evolving meta!  @AtrociousJake  &  @gyrosean  sit down to discuss the Sao Paulo #playPokemon Regional #temporalforces decks, new cards, & #NAIC registration dates! -- Reach out to us with any thoughts or topic suggestions via Twitter: https://twitter.com/metapodtcg Instagram: https://www.instagram.com/metapodtcg/ TikTok: https://www.tiktok.com/@metapodtcg Check out the Meta Pod YouTube: https://www.youtube.com/channel/UCWcPqrzElSZKqYOIkMgOZuw Follow our Threads: https://www.threads.net/@metapodtcg See the decks we showcase: https://pokemoncard.io/author/?author=54755 -- Here are a few of the other places where we make content: Sean's YouTube: https://youtube.com/gyrosean Jake's YouTube: https://www.youtube.com/c/atrociousjake Sean's Twitch: https://www.twitch.tv/gyrosean Jake's Twitch: https://www.twitch.tv/atrociousjake Sean's Threads: https://www.threads.net/@gyrosean Jake's Threads: https://www.threads.net/@atrociousjake --- Support this podcast: https://podcasters.spotify.com/pod/show/metapodtcg/support