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Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   Justin interviews John Baldwin of Discount Tire. Justin and John explore risk management topics, including Tire Safety Month, tire safety education of customers, and the tire selection tool he developed, Treadwell. John shares information about ongoing projects at Discount Tire and also his work on the board of the Tire Recycling Foundation. Listen to gain awareness of how tire selection can be a safety factor in your ERM program.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. Our guest is John Baldwin of Discount Tire. He's joining us for National Safety Month and National Tire Safety Month here in June 2025. We're going to learn about the risk tool that he developed at Discount Tire. [:49] RIMS-CRMP Workshops! The next RIMS-CRMP Exam Prep Workshop will be presented in conjunction with NAIT on June 10th and 11th. Register by June 9th. That course will be led by former RIMS President, Nowell Seaman. [1:11] Links to these courses can be found on the Certification Page of RIMS.org and through this episode's show notes. [1:18] Virtual Workshops! On June 12th, Pat Saporito will host “Managing Data for ERM”, and she will return on June 26th to present the very popular new course, “Generative AI for Risk Management”. [1:35] A link to 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 show notes. [1:47] We have a special new 12-week virtual workshop course, The Advanced Enterprise Risk Management (ERM) Certificate Program, instructed by James Lam, one of the most famous Chief Risk Officers in the world! [2:04] He will lead an intensive 12-week program, beginning July 16th, bi-weekly until September 2025. Registration closes on July 7th. [2:17] James will join us next week to discuss this program and his ERM philosophy. Check out the link in this episode's show notes and the Education page of RIMS.org. Register today before we reach virtual capacity! [2:33] On with the show! It's our first episode of June 2025. That means that it is National Safety Month here in the U.S. and also Tire Safety Month. I was delighted to book today's guest, John Baldwin, PhD. He is the Chief Product and Technical Officer of Discount Tire. [2:56] He developed a risk tool for Discount Tire called Treadwell. This is the company's personalized tire recommendation tool. [3:05] Treadwell utilizes extensive real-world testing data, including nearly a million tread depth measurements annually and evaluations of dozens of new tire models each year. [3:17] John is also a member of the Enterprise Risk Committee at Discount Tire, so we will also learn about his risk philosophies and his efforts to bolster sustainability when it comes to tires, tire manufacturing, and tire recycling. [3:33] Interview! John Baldwin, welcome to RIMScast! [3:52] John says risk management is like safety. You incorporate it in every decision you make. It's good to make it part of the daily oxygen. [4:10] John started consulting with Discount Tire in 2007 and became full-time in 2012. [4:25] John is a Senior Vice President and Chief Product and Technical Strategist. He's responsible for the fitment guide on the website. Discount Tire measures each vehicle it can and puts that in the fitment guide. [4:56] They consider product quality and performance. They test tires, wheels, and lug nuts, before offering them for sale. John's background is technical. [5:10] John is also in charge of sustainability and government affairs. [5:24] John has a bachelor's degree in chemistry and a PhD in polymer science, the study of plastics and rubber. He was at 3M for a lot of years working on filter media for filter masks, which had a resurgence 25 years after he left. [5:49] John went to automotive working in adhesives. He was hired by Ford. He was at Ford when the Ford Firestone recall happened. He got drafted onto the Root Cause Team, to find out what was going on with the tires because of his background. [6:08] John worked in advanced manufacturing on a cross-functional team. [6:22] John's advice to folks coming up in a company is “Saying No is career-limiting.” He had said No a lot, at the beginning of his career. When he started saying Yes, things changed. [6:38] Coming from the larger companies where he had worked, John says the vibe at family-owned Discount Tire is an entrepreneurial spirit. There's a lot less bureaucracy. You go talk to people to get things done. It's very comfortable for John. [6:58] John says Discount Tire is for everyone but the people who thrive here are more self-starting, think it out, and occasionally color outside the lines. It's nice. You learn a lot. [7:13] John has a small group of about 25 people. They are cohorts of the risk group. The risk group collects and manages thought processes and information. The people who own the risks have to take care of them. The risk group shares a framework for them to manage risks. [8:23] John is on the Enterprise Risk Committee. It's a group of the different functional areas, Technical Fitment, Real Estate, IT, Cybersecurity, Store Management, Product Quality, Legal, HR, and other areas from around the corporation represented. [8:52] The Enterprise Risk Committee is one level below the Steering Committee. They use a tool called Riskonnect. They analyze and bring the risks to the Steering Committee. Justin and John first connected through the last Riskonnect webinar! [9:46] There are technical issues in managing the stores, including customer safety. Customer safety is a founding philosophy at Discount Tire. Customer safety is the first consideration. [10:21] When John first came on board at Discount Tire, it was after the Firestone Tire recall and Discount Tire focused on tire quality. Everyone at Purchasing hated him for being “Dr. No.” He told them: Let's put a process together where we validate whom we're buying from. [10:51] He said, we validate the quality of the tires and wheels that we're buying and that frees you up. We could entertain buying from people we would never have entertained buying from because they meet our criteria. Suddenly, it goes from closing the box to expanding the box. [11:07] That's how we have to get people thinking. Once you have the process down, it unburdens you. It allows you to take more risks because you have a way of assessing what the risk is and doing something about it. [11:34] June is Tire Safety Month, promoted by the NHTSA. John is planning on a visit there next week. Tire Safety Month is an opportunity to engage and ask customers: Have you looked at your tires? Do you know what your air pressure is? Discount Tire does free air checks and fills. [12:20] One of the number one things for safety is making sure you have plenty of air in your tires. Most people don't think about it or check it. Talk with customers about tire tread depth and why there are treads. [12:54] Tire Safety Month is June because school is over and people will be taking road trips. Be aware of your tires. Check your air pressure and tread depth. The tread is essential for driving in rain or snow so you don't hydroplane and you can brake properly. Get your tires checked. [13:47] These things matter. There's a reason tires are designed the way they are. The public generally doesn't know. When John started working in tires he had no idea they came in different sizes. Everybody has a first day at work. [14:26] People generally don't change tires on their own, because you need a machine. [14:34] Plug Time! RIMS Webinars! On June 5th, Zywave joins us to discuss “Today's Escalating Risk Trajectory: What's the Cause and What's the Solution?”. [14:49] On June 17th, Origami Risk returns to present “Strategic Risk Financing in an Unstable Economy: Leveraging Technology for Efficiency and Cost Reduction”. [15:00] More webinars will be announced soon and added to the RIMS.org/Webinars page. Go there to register. Registration is complimentary for RIMS members. [15:11] Are you a summer intern and interested in learning more about career opportunities in the insurance industry? Are you based in the Greater Chicago area? If so, join Chicago RIMS in a free event sponsored by Origami Risk. [15:29] Students and insurance professionals will come together to explore the wide variety of career paths in insurance and the captive industry. This event will provide you with valuable insights into the industry and allow you to start building your network with peers in the area. [15:44] This is an opportunity to learn from industry experts and kickstart your career in insurance. Register at ChicagoRIMS.org and mark your calendar for this free event on July 10th at 3:30 p.m. at 222 N LaSalle, STE 2100 in Chicago, IL. [16:04] Let's Return to Our Conversation with John Baldwin of Discount Tire!  [16:23] John points out mistakes in tire safety and maintenance. Are you overloading your vehicle? If you pull a trailer, are you loading the trailer correctly? Are you overdriving your abilities in bad weather? It's not about going fast, it's about stopping fast and being able to steer. [16:57] Be mindful of the conditions around you and how other people are driving. Most people tend to overestimate their abilities, especially if they're not in those conditions often. [17:19] Fleet safety is another topic. You have to pay attention to the details. [18:10] Discount Tire is a large purchaser of tires. Tire salesmen came in and boasted about their tires and downplayed their competition's tires. Discount Tire didn't have a basis for pushing back so they hired a driver and started testing the tires. They got warranty information. [18:39] A year after Discount Tire started testing tires for internal information, Chief Strategy Officer Dave Ginsberg, a data scientist, joined Discount Tire. He was thinking of an algorithm to help people pick tires. John told him of the data they gathered to help Discount Tire pick tires. [19:10] Both Discount Tire and the consumers have the same problem, what to buy. There's a lot out there. David put together the math behind Treadwell, and John's team generated the data. It's based on what you drive, where you drive, and how you drive, on city roads or a highway. [19:48] Not every car is a commuter. Some people just drive on the weekend. On different cars, different trim levels come with different tire sizes and wheel sizes. A key issue is what mileage you can expect. Discount Tire does free rotations. That gives them data on how long a tire lasts. [20:41] Discount Tire tests in winter and rain. They also test worn tires that they've buffed down to 4/32nds and test them in the wet. Tires are only new for the first couple thousand miles. Then various changes occur in how your tires perform over time. [21:11] So that's what we're trying to get at with people. We've changed a lot about how the tire industry's looking and talking about that, all for the customer, to relay to you how this is going to work over the life of your tire. [21:26] There are annual evaluations of over 75 new tire models each year. When Cooper was bought by Goodyear, the track Discount Tire was using for testing became redundant for Goodyear, so Discount Tire purchased it. They have a third-party test for them. [22:16] John tells tire manufacturers that Discount Tire uses Treadwell internally when talking about what tires to buy. It's the same version and data that consumers see. It's a unique tool. [22:58] There were some other sellers doing testing. Tire Rack was one of them. Discount Tire bought Tire Rack at the beginning of '22. They continue to do testing. Tire Rack is for the in-depth enthusiast. [24:08] Discount Tire is for the consumer who needs a tire but doesn't know a lot about tires, doesn't have a lot of time, and doesn't want to get ripped off. There's a lot of technical data. Discount Tire Treadwell quickly boils it down to suggest which tire the customer should buy. [24:18] Another point about Treadwell is that it has nothing to do with the cost of the tire or how much money Discount Tire makes from the sale. It's about the performance of the tire. It encourages the customer to look down the list for the diamond in the rough. It's a good tool. [24:49] The tire manufacturers have looked at the tool and said they want to win at Treadwell. It's impossible to do. The local weather affects the algorithm. Chances are, a good tire in Arizona is not a good tire in Minnesota because of the weather. Treadwell is objective. [25:31] Treadwell took two years to launch from conception. They had to get enough data from the stores in the field and enough testing to launch a small subset of tires. Now, they have almost every tire tested or it's on the list to get tested. When a new tire comes, they test it. [26:16] One of the things Discount Tire found is that it took some time after launch for the store managers to buy into using it with customers. They didn't understand it was a real tool. [26:40] In the last year or so, Discount Tire has started taking store managers through Treadwell to be tire evaluators for a day, testing at the track. They get a T-shirt, The Treadwell Experience. It has been game-changing. The tool has been embraced internally. [27:32] One of the store managers said Treadwell is like having a test track behind every store. [27:41] Plug Time! The very first RIMS Texas Regional Conference will be held from August 4th through the 6th in San Antonio at the Henry B. González Convention Center. Early Bird Registration is now open through June 7th. Save up to 20% on a Full-Conference Pass. [28:03] Hotel cut-off for the discounted rate is available through July 7th. The full Conference Agenda is now live so you can start planning your experience. Don't miss the post-conference workshop, the RIMS-CRMP Exam Prep Course, available onsite. [28:19] Also register by June 7th for your Early Bird Registration and save $200. Any chapter member can attend and anyone who is not a RIMS member has to email RIMStexas@RIMS.org to request a unique registration code. Links are in this episode's show notes. [28:39] You can also visit the Events Page of RIMS.org for more information. We look forward to seeing you in Texas! [28:47] About the Spencer Educational Foundation's Grants program. Spencer'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. [29:04] Since 2010, Spencer has awarded over $3.3 million in General Grants to support over 130 student-centered experiential learning initiatives at universities and RMI non-profits. Spencer's 2026 application process is now open through July 30th, 2025. [29:25] General Grant awardees are typically notified at the end of October. Learn more about Spencer's General Grants through the Programs tab of SpencerEd.org. [29:35] Let's Return to the Conclusion of My Interview with Discount Tire's John Baldwin! [30:01] Discount Tire tests rolling resistance; how much fuel or energy per mile one tire absorbs, vs. another tire. Tires that roll easier don't take as much fuel. With battery vehicles, range is a big deal. Tire rolling resistance ranking for electric vehicles is incorporated into the algorithm. [30:47] If you have the same tire, size, construction, and everything, one on a gas vehicle and one on an electric vehicle, there is typically 10 to 15% faster wear on the battery vehicle because of the weight and a little bit of the torque. They factor the car in for the mileage estimation. [31:15] Noise becomes more of a consideration with electric vehicles because there's no engine noise. The whirring noise electric cars make is added so they're not completely silent. [31:49] Amazon made a big commitment to electric vehicles with Rivian. A lot of Uber drivers are starting to use Model 3 vehicles. There is a trend toward hybrid gas/electric vehicles. [32:41] Treadwell is testing off-road tires. If you take a truck out in the mud, you want a tire that works in the mud and rocks. Treadwell just expanded into testing winter tires. [33:27] Discount Tire is thinking about working with Tire Rack to rank summer tires and more. [33:52] John is on the Board of Directors of the Tire Recycling Foundation. The foundation is jointly put together through the United States Tire Manufacturing Association and also the Tire Industry Association, the retailers. [34:17] We need to find more recycling uses for tires. Twenty percent of scrap tires that come off today are landfilled. Thirty percent are burned in kilns. Fifteen percent are sold used. Used tires are not optimized for safety. [34:51] Is there a way to recycle these tires back into tires rubber-modified asphalt, or mats? There are so many other things you can do with tires besides burning them and burying them. [35:12] To go into asphalt, tires are ground up and then added to the mix. It's a different process, which when done right, provides a quieter surface with a better grip and it lasts longer. It's a good use of tires and would take care of the scrap tire problem. [35:37] Being in the Tire Recycling Foundation complements John's job at Discount Tire. How to recycle tires has been a problem in the U.S. tire industry for 100 years. [36:34] Municipalities sometimes have a Waste Date to drop off your hazardous waste. Instead of taking it there, you can bring it to a Discount Tire or a competitor. Then it will be recycled. [38:04] People can go to TireRecyclingFoundation.org for more information. It's a broad-based coalition. [38:59] John, it has been a real pleasure to speak with you. It's been illuminating. I'm glad that we're shining a lot on how important tires are to our daily lives and the supply chain. I don't know that we've ever done an episode devoted to tires! This is super cool for us at RIMS! [39:22] Special thanks again to John Baldwin of Discount Tire for joining us. [39:26] I've got links in this episode's show notes for information about Treadwell, the Tire Recycling Foundation, and Discount Tire's appearance on the RIMS Riskonnect on April 24th, 2025 webinar, “Better Together: The Marriage of Insurable Risk and Business Continuity”. [39:46] 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. [40:13] 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. [40:32] 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. [40:49] 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. [41:05] 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. [41:19] Justin Smulison is the Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [41:27] Thank you all for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe!   Links: RIMS Texas Regional 2025 — August 4‒6 | Advance registration rates are now open. RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Risk Management magazine RIMS Now The Strategic and Enterprise Risk Center Spencer Educational Foundation — General Grants 2026 — Application Deadline July 30, 2025 RIMS-CRMP Advanced Enterprise Risk Management (ERM) Certificate Program — Featuring Instructor James Lam! Register by July 7. | Bi-weekly course begins July 16. Tire Safety Month — NHTSA The Tire Recycling Foundation “All About Treadwell” — John Baldwin Interview “Better Together: The Marriage of Insurable Risk and Business Continuity” — A RIMS Webinar, Sponsored by Riskonnect and featuring Discount Tire (April 24, 2025) RIMS Webinars: RIMS.org/Webinars “Today's Escalating Risk Trajectory: What's the Cause & What's the Solution?” | Sponsored by Zywave | June 5, 2025 “Strategic Risk Financing in an Unstable Economy: Leveraging Technology for Efficiency and Cost Reduction” | Sponsored by Origami Risk | June 17, 2025   Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam Prep Virtual Workshop — June 10‒11, 2025 | Presented by RIMS and NAIT Full RIMS-CRMP Prep Course Schedule “Managing Data for ERM” | June 12 | Instructor: Pat Saporito  “Generative AI for Risk Management” | June 26 | Instructor: Pat Saporito See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes: “Company Safety and RIMS Chapter Leadership with Tamieka Weeks” “Safety and Preparedness in 2024 with National Safety Council CEO Lorraine Martin” “Traffic Awareness with Carol Fritzsche of Subaru of America” “Fleet Safety with NETS Executive Director Susan Gillies-Hipp” (2022)   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: John M Baldwin, PhD, Chief Product & Technical Officer, Discount Tire   Production and engineering provided by Podfly.  

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   Justin interviews Megan Smalter about her schooling and career path and what excites her about risk management. They discuss her winning the RIMS Rising Star Award 2025 at RISKWORLD on the main stage before the triple keynote addresses. She discloses what the honor means to her. They speak about her past role in Chicago, her participation and leadership in the Chicago RIMS Chapter, and how her career has changed by moving to New York to work at Lloyd's in the Americas in December.   Listen to Megan's advice for students and young risk management and insurance professionals. Give yourself the grace to learn your way in the field, reach out and connect to people around you, and learn about all the career opportunities in the industry.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. We will be joined by RIMS Rising Star Award Winner 2025, Megan Smalter of Lloyd's. [:42] RIMS-CRMP Workshops! The next RIMS-CRMP-FED Exam Prep will be presented in conjunction with AFERM and led by instructor Joseph Mayo. This is a two-day course, June 2nd and 3rd. Register by May 26th. [1:03] The next RIMS-CRMP Exam Prep Workshop will be presented in conjunction with NAIT on June 10th and 11th. Register by June 9th. That course will be led by former RIMS President, Nowell Seaman. [1:21] Links to these courses can be found on the Certification Page of RIMS.org and through this episode's show notes. [1:28] Virtual Workshops! On June 12th, Pat Saporito will host “Managing Data for ERM”, and she will return on June 26th to present the very popular new course, “Generative AI for Risk Management”. [1:46] A link to 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 show notes. [1:57] We are already making preparations for the RIMS ERM Conference 2025 on November 17th and 18th in Seattle, Washington. RIMS is accepting educational session submissions through May 29th. [2:14] The best submissions will address current and future challenges facing ERM practitioners as well as provide leading practices and concrete takeaways for a diverse audience of risk professionals from industries or organizations of varied sizes, disciplines, functions, and roles. [2:30] These include officers, leaders, managers, and students. The link to the submission form is in this episode's show notes. If you are listening on the day of this episode's release, this is the last call for submissions, so get them in! [2:46] We have a special new 12-week virtual workshop course, The RIMS-CRMP Advanced Enterprise Risk Management (ERM) Certificate Program, instructed by James Lam, one of the most famous Chief Risk Officers in the world! [3:04] He will lead an intensive 12-week program, beginning July 16th, bi-weekly until September 2025. Registration closes on July 7th. [3:17] James will join us in early June to discuss this program and his ERM philosophy. Check out the link in this episode's show notes and the Education page of RIMS.org. Register today before we reach virtual capacity! [3:33] On with the show! Our guest this week is Megan Smalter. She is a Market Development Executive at Lloyd's and the former Chicago RIMS Chapter Rising Risk Professional Committee President. For her many achievements, she was named RIMS Rising Star for 2025. [3:48] If you were at RISKWORLD 2025, you were lucky enough to see her accept the award onstage. We're going to talk all about her contributions to the risk profession during her 9-to-5 and beyond and delve into what is a pivotal moment in her career. [4:04] Everyone listening, especially young risk professionals with big career decisions ahead of them, will get some fresh perspective. [4:14] Interview! Megan Smalter, welcome to RIMScast! [4:35] Megan Smalter talks about the honor of receiving the RIMS Rising Start Award with her entire team present as well as her family. It was a super special moment for her. [5:01] Megan grew up in the suburbs of Chicago, so she says she's from Illinois. She lived in downtown Chicago for five years before relocating. [6:04] The awards ceremonies were scattered throughout the RISKWORLD 2025 week. Megan's award was presented right before the triple threat of keynotes. Megan and her parents enjoyed the keynotes. [6:50] Megan went from being a private company management liability underwriter at CNA Insurance in Chicago to joining Lloyd's as a Market Development Executive for the Americas and relocated to New York City in December. [7:22] Megan describes changing jobs and moving. It's been interesting. She went from being established in an insurance company where she knew everyone and knew her role to starting over, new and fresh. It's exciting, being in a new environment and company. [7:54] Megan says it comes with growing pains. Learning the tasks, trying to see the fun and excitement in them, and settling down in a new region has been super interesting and a great learning curve. [8:25] Megan was previously in the retail space. Now having exposure to the E&S wholesale world and more of the international space has been fascinating. It's a direction she wants to take her career, which inspired her to take this new role. It's been gratifying so far. [9:02] Megan says it has been bittersweet, leaving the Chicago RIMS Chapter. She first got involved as a student at the Katie School of Insurance at Illinois State. There, she met one of her greatest mentors, Theresa Severson. They've stayed in touch over the years. [9:29] After being involved as a student, she joined Chicago RIMS as a Membership Committee member and became Education Chair, then Vice President, and then President, right before she moved. There's a lot to say goodbye to. Starting over after being deeply involved is a switch. [9:58] Megan's teammates joked that she should carry the award around the RISKWORLD conference the entire time. [10:34] Megan believes the risk profession allows for flexibility to adapt. Everyone in the industry and at Lloyd's is keen to help and provide their experience. It's been a great way for Megan to learn about a new company culture and a new segment of the industry. [11:08] Justin notes that most people are not going to have one job for their entire career, although he knows one person at RIMS who has been there since 1981 and somebody at Spencer who goes back even further. [11:29] Justin adds that risk is a profession where there is such a camaraderie among the professionals that they will give you time to adapt. They will extend that olive branch. [11:49] Megan thinks it's important to give yourself grace and allow yourself to recognize that you're not going to know everything on the first day. You may jump into something new and think “I've got this,” but things like that take time. Give yourself grace. [12:25] At the RIMS Chicago Chapter, the energy in the group drove Megan to get involved and come up the ranks. At the start, event attendance was low. One successful event was the Summer Mixer with the Young Risk Professionals group and the Insurance Associates group. [13:18] There were over 250 folks who attended. Seeing the demand of young professionals to network and get together on an afternoon was an awesome experience. Megan is thankful she got to be part of it. [14:25] A big part of the Chicago RIMS initiative was to have separate membership events, education events, and social events. It's easy to get people to come to social events but education events can be tougher. They tried to keep them interesting. [14:42] One educational event Megan found valuable was the MBA Information Night with a panel of four. Two represented RM&I MBA programs; two were alumni of RM&I MBA programs. To hear from them and get their experiences and advice about continuing education was great. [15:15] They hosted Negotiation Workshops and Book Clubs. One book was Atomic Habits by James Clear. Megan has kept a few key takeaways from that in her day-to-day routine. They do a variety of events through RRP. It's nice to see the support of that with the members. [15:54] Plug Time! RIMS Webinars! On June 5th, Zywave joins us to discuss “Today's Escalating Risk Trajectory: What's the Cause and What's the Solution?”. [15:59] On June 17th, Origami Risk returns to present “Strategic Risk Financing in an Unstable Economy: Leveraging Technology for Efficiency and Cost Reduction”. [16:10] More webinars will be announced soon and added to the RIMS.org/Webinars page. Go there to register. Registration is complimentary for RIMS members. [16:21] About the Spencer Educational Foundation's Grants program. Spencer'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. [16:38] Since 2010, Spencer has awarded over $3.3 million in General Grants to support over 130 student-centered experiential learning initiatives at universities and RMI non-profits. Spencer's 2026 application process is now open through July 30th, 2025. [16:59] General Grant awardees are typically notified at the end of October. Learn more about Spencer's General Grants through the Programs tab of SpencerEd.org. [17:09] Let's Return to Our Conversation with RIMS 2025 Rising Star, Megan Smalter!  [17:18] As a Market Development Executive at Lloyd's, Megan engages with key trading partners, whether retail or wholesale brokers in the U.S., making sure that they know how to access Lloyd's in the London market. [17:51] Megan engages with insurance carriers who are interested in coming onto the Lloyd's platform, managing agents, excess lines associations in different states, and universities (one of Megan's favorite aspects of her role). [18:11] Since Megan was a student who studied risk management and insurance, she loves helping out with the next generation and trying to pull talent into the risk field. [18:19] Megan also promotes the Lloyd's Lab and helps with the Lloyd's Boot Camp Programs in Chicago and San Diego. She has a multi-faceted role and gets to touch a lot of aspects of Lloyd's which has been interesting. [18:45] Megan is part of a team representing the Americas, with people in Toronto, Canada, Miami, Florida, and Brazil. [19:10] Justin and Megan spoke in April for the article in the Awards Edition of RIMS Risk Management magazine, which may be out now. Megan mentioned that she is a calculated risk-taker. [19:38] Having a background in underwriting has helped Megan to think of questions to ask whenever a different situation or scenario has been proposed. She walks through the different exposures and thinks through things that the Average Joe probably wouldn't. [20:03] Megan says, the bigger the risk, the bigger the reward. Moving to Lloyd's in New York is an example of a high-risk, high-reward scenario that worked for Megan. She had only been to New York City once, for a conference. [20:30] When Megan looked for an apartment, she signed, sight-unseen, after a video call with the REALTOR® and a search of the area on Google Maps. She took a leap of faith and hoped for the best, but expected for the worst. It turned out in her favor. It's the biggest risk she has taken. [20:58] Megan's career goal for now is locking into Lloyd's and getting to know the nitty-gritty of the “Lloyd's-isms.” Learning the niche aspects of what Lloyd's is, the capital structure, and all the different facets of what Lloyd's has to offer to articulate that to its trading partners. [21:37] Megan is a success story, dating back to the Risk Manager on Campus program, which is how she got hooked. Not every school has a Risk Manager on Campus program.  [21:53] Megan advises young students who are considering the risk management and insurance industry, first to ask questions and ask for introductions. If there's someone who has a role that you're interested in, reach out. Everyone in the industry Megan has interacted with is so nice. [22:30] Especially get to know folks who do jobs outside of what you're considering. If you have an internship in property, get to know the liability folks and the cyber folks, the claims adjusters, and anyone else in the company, and learn what they do. [22:49] The career path opportunities are what drew Megan to the risk management field and how you can always pivot into a different segment of the industry. That keeps it exciting. [23:07] Special thanks again to RIMS 2025 Rising Star, Megan Smalter. You can read more about her in our RIMS RISKWORLD Show Daily Coverage. A link is on this page. Of course, be on the lookout for the RIMS Risk Management magazine Special Awards Edition 2025. [23:27] More award winners will be on RIMScast soon. Be sure to check out Episode 338, featuring Risk Manager of the Year, Jennifer Pack. [23:35] 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. [24:03] 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. [24:21] 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. [24:39] 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. [24:55] 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. [25:09] Justin Smulison is the Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [25:17] Thank you all for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe!   Links: RIMS Texas Regional 2025 — August 3‒5 | Advance registration rates now open. ERM Conference 2025 — Call for Submissions (Through May 27) RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Risk Management magazine | RIMS 2025 Awards Edition RIMS Now The Strategic and Enterprise Risk Center Spencer Educational Foundation — General Grants 2026 — Application Deadline July 30, 2025 RIMS-CRMP Advanced Enterprise Risk Management (ERM) Certificate Program — Featuring Instructor James Lamb! Register by July 7. | Bi-weekly course begins July 16. “Career Opportunities In Insurance and Captive Industry” | Hosted by Chicago RIMS and Origami Risk | Free | July 7, 2025 in Chicago! RIMS Webinars: RIMS.org/Webinars “Today's Escalating Risk Trajectory: What's the Cause & What's the Solution?” | Sponsored by Zywave | June 5, 2025 “Strategic Risk Financing in an Unstable Economy: Leveraging Technology for Efficiency and Cost Reduction” | Sponsored by Origami Risk | June 17, 2025   Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP-FED Exam Prep with AFERM — June 2‒3, 2025 | Presented by RIMS and AFERM RIMS-CRMP Exam Prep Virtual Workshop — June 10‒11, 2025 | Presented by RIMS and NAIT Full RIMS-CRMP Prep Course Schedule “Managing Data for ERM” | June 12 | Instructor: Pat Saporito  “Generative AI for Risk Management” | June 26 | Instructor: Pat Saporito See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes: “Live from RISKWORLD 2025” “RIMS 2025 Risk Manager of the Year, Jennifer Pack” “Risk and Leadership Patterns with Super Bowl Champion Ryan Harris” (RISKWORLD 2025 Keynote) “(Re)Humanizing Leadership in Risk Management with Holly Ransom” “Risk and Relatability with Rachel DeAlto”   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: Megan Smalter, Market Development Executive at Lloyd's   Production and engineering provided by Podfly.  

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   Justin interviews Chris Maguire about his professional journey and what led him to focus on the intersection of legal, compliance, and innovation. This leads to a discussion about AI and predictive analytics. Chris shares examples of General Counsel and compliance offices using AI to improve risk forecasting and decision-making. Chris comments on the expanding role of Compliance in the General Counsel's office.   Listen to Chris's take on the importance of values. He shares some of the core values of Thomson Reuters.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. We will talk about how technology is driving innovation in compliance, risk, and the legal profession, with Chris Maguire of Thomson Reuters. [:41] RIMS-CRMP Workshops! The next RIMS-CRMP-FED Exam Prep will be presented in conjunction with AFERM and led by instructor Joseph Mayo. This is a two-day course, June 2nd and 3rd. Register by May 26th. [1:02] The next RIMS-CRMP Exam Prep Workshop will be presented in conjunction with NAIT on June 10th and 11th. Register by June 9th. That course will be led by former RIMS President, Nowell Seaman. [1:20] Links to these courses can be found on the Certification Page of RIMS.org and through this episode's show notes. [1:27] Virtual Workshops! On June 12th, Pat Saporito will host “Managing Data for ERM”, and she will return on June 26th to present the very popular new course, “Generative AI for Risk Management”. [1:45] A link to 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 show notes. [1:56] We are already making preparations for the RIMS ERM Conference 2025 on November 17th and 18th in Seattle, Washington. RIMS is accepting educational session submissions through May 20th. [2:14] The best submissions will address current and future challenges facing ERM practitioners as well as provide leading practices and concrete takeaways for a diverse audience of risk professionals from industries or organizations of varied sizes, disciplines, functions, and roles. [2:30] These include officers, leaders, managers, and students. The link to the submission form is in this episode's show notes. If you are listening on the day of this episode's release, this is the last call for submissions, so get them in! [2:46] Let's get on with the show! How is your organization navigating regulatory uncertainty in 2025? Are you leveraging advancements in technology to help achieve your goals? Our guest this week is Chris Maguire, the General Manager for Corporates Risk at Thomson Reuters. [3:06] We are going to talk about how technology is driving innovation in compliance, risk, and legal. We will talk about how AI and predictive analytics are reshaping corporate legal and compliance functions, and more. Let's get to it! [3:22] Interview! Chris Maguire, welcome to RIMScast! [3:29] Chris Maguire started in a Big Four firm in the '90s, in the auto practice. It was a great way to learn business and how they worked, focusing on understanding financial controls and risk, and how to make sure that companies were behaving correctly. [3:59] After an MBA, Chris started working for Thomson Reuters. He has been with them for about 20 years in the legal tech space. He started on the strategy side and transitioned after several years to driving the commercial teams in the risk business. [4:24] Now, Chris has the role of looking at product and industry strategy for corporations. Thomson Reuters is at the intersection of legal, risk, and compliance, and how they affect enterprises. [5:07] Chris says that 20 years ago, AI was not a fast-moving industry. There have been dramatic changes in the last few years. AI adoption by Thomson Reuters customers has doubled in the last year. Generative AI has been seen in a wide range of tasks. It started with drafting NDAs. [5:38] Salespeople are always asking for NDAs and how they can be drafted more quickly and easily. Now AI conducts legal research or helps draft a research memo or a complaint from a particular point of view. We're seeing it in drafting HR employment policies and rote tasks. [6:21] Chris explains the use of AI prompts tied to data sources, such as your data, data from Thomson Reuters, or other data providers. Chris is also seeing big data AI used a lot in analyzing outside spending and looking for cost savings. [7:14] Chris tells how AI helps in decision-making, using the example of knowing the vendors you choose for your supply chain and knowing your customers. AI can weed through all the news out there to make sure you're not dealing with a sanctioned entity. [8:22] AI can help with reputation risk. Is there forced labor in your supply chain? That matters to your reputation. It's not just whether a country is sanctioned, but what the individual entities in your supply chain are doing. There's a lot of focus on reputation today. [9:10] Justin recently had the Chief Impact Officer of EcoVadis on RIMScast Episode 329. They talked about forced labor and human trafficking in the supply chain. Use AI to help identify where forced labor and human trafficking are big risks, avoid them, and report them. [9:35] This is important on the corporate side and the government side of the business. Chris says it will be interesting to see the effect of tariffs. Thomson Reuters has updated about 50 million changes to its global trade products so far this year, compared to 100 million in 2024. [10:16] Plug Time! RIMS Webinars! We are back on May 22nd, with GRC, a TÜV SÜD Company, and their newest session, “Asset Valuations in 2025: Managing Tariffs, Inflation, and Rising Insurance Scrutiny”. [10:33] On June 5th, Zywave joins us to discuss “Today's Escalating Risk Trajectory: What's the Cause and What's the Solution?”. [10:413] On June 17th, Origami Risk returns to present “Strategic Risk Financing in an Unstable Economy: Leveraging Technology for Efficiency and Cost Reduction”. [10:54] More webinars will be announced soon and added to the RIMS.org/Webinars page. Go there to register. Registration is complimentary for RIMS members. [11:05] Spencer Educational Foundation's Grants program is starting soon. Spencer'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. [11:23] Since 2010, Spencer has awarded over $3.3 million in General Grants to support over 130 student-centered experiential learning initiatives at universities and RMI non-profits. Spencer's 2026 application process is now open through July 30th, 2025. [11:43] General Grant awardees are typically notified at the end of October. Learn more about Spencer's General Grants through the Programs tab of SpencerEd.org. [11:54] Back to the Conclusion of my Interview with Chris Maguire of Thomson Reuters!  [12:27] Chris refers to RIMScast Episode 335 with Jeff from Academy Sports. Jeff talked about how the Compliance function now sits in the General Counsel's office. At Thomson Reuters, more of the Compliance group has moved into the General Counsel's office in the last year. [12:48] The General Counsels are being charged with understanding the full weight of risk across an organization, from reputational risk to who you should or should not do business with. [13:16] The Sales organization at Thomson Reuters has discussed that a lot with the GC office, from a reputation, sanctions, and everything perspective. A lot of GC offices now include the Compliance role. [13:50] Chris's ERM philosophy is Trust. Companies need to trust who they are doing business with. Companies need to trust that their employees have what they need to make decisions not to deal with a risky customer, but to follow the laws and rules of global companies. It's trust. [14:29] There is so much change going on. Chris talks about values that resonate. One Thomson Reuters value is Act Fast, Learn Fast. You have to move and learn. Companies can help you, but it is on individuals to take the responsibility to act fast and learn fast about what is changing. [14:59] Thomson Reuters is bound by the Trust Principles. It started with Reuters in the 1940s around WWII, but it goes back to its 150 years of legal content. [15:17] The information Thomson Reuters provides its customers has to be free from bias. It has to be right. It has to be updated. It can't be an opinion about a philosophy. It has to be fact-based. It has to provide customers with the information they need to get work done. [15:36] Applying AI on top of trusted, unbiased, correct, up-to-date information is going to be vital, moving forward. Act fast, learn fast, and trust. [15:57] Chris believes the legal industry hasn't always been the fastest-moving industry. The technology is now there to allow us to move more quickly and learn more quickly. That's an exciting thing! [16:23] Chris says AI is no longer a future concept. It's here. It's transforming our lives; it's starting to transform our business environment. If you don't adapt quickly, you're going to be at a significant disadvantage. [16:36] For people in General Counsel's offices, people in compliance functions, the value is your expertise, your knowledge, and you as a human, and what you can bring to the situation. [16:48] If AI can help you get there, and give you a platform on which to add your judgment and expertise, knowledge, and professional opinion, that's a hugely valuable thing. [17:01] Thomson Reuters doesn't see AI taking away jobs. We see people who use AI, potentially taking away the jobs of people who don't use AI. It all comes back to the humans and how they use it. There's never been a time when Thomson Reuter's expertise has been more important. [17:34] Chris, it has been such a pleasure to have you here on RIMScast! I do appreciate that you listened to some previous episodes! Get my unique download count up there! [I7:50] I appreciate that we're reaching a very important segment of our audience and our RIMS membership. I think they're going to learn a lot in this episode. Thank you! [18:02] Special thanks to Chris Maguire for joining us here on RIMScast. Links to RIMS coverage about AI, legal, and compliance risks are in this episode's show notes.  [18:13] 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. [18:41] 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. [19:00] 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. [19:18 ] 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. [19:34] 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. [19:48] Justin Smulison is the Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [19:55] Thank you all for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe!   Links: RIMS Texas Regional 2025 — August 3‒5 | Advance registration rates now open. ERM Conference 2025 — Call for Submissions (Through May 20) RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Risk Management magazine “Balancing Innovation and Compliance When Implementing AI” — Risk Management magazine, April 2025 RIMS Now The Strategic and Enterprise Risk Center Spencer Educational Foundation — General Grants 2026 — Application Deadline July 30, 2025 2025 Coast-To-Coast Risk Management Challenge — Applications Open Through May 23 RIMS Webinars: RIMS.org/Webinars “Asset Valuations in 2025: Managing Tariffs, Inflation, and Rising Insurance Scrutiny” | Sponsored by GRC, a TÜV SÜD Company | May 22, 2025 “Today's Escalating Risk Trajectory: What's the Cause & What's the Solution?” | Sponsored by Zywave | June 5, 2025 “Strategic Risk Financing in an Unstable Economy: Leveraging Technology for Efficiency and Cost Reduction” | Sponsored by Origami Risk | June 17, 2025   Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP-FED Exam Prep with AFERM — June 2‒3, 2025 | Presented by RIMS and AFERM RIMS-CRMP Exam Prep Virtual Workshop — June 10‒11, 2025 | Presented by RIMS and NAIT Full RIMS-CRMP Prep Course Schedule “Managing Data for ERM” | June 12 | Instructor: Pat Saporito “Generative AI for Risk Management” | June 26 | Instructor: Pat Saporito See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes: “(Re)Humanizing Leadership in Risk Management with Holly Ransom” “AI and Regulatory Risk Trends with Caroline Shleifer”   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: Chris Maguire, General Manager, Corporates Risk at Thomson Reuters   Production and engineering provided by Podfly.  

Ca va beaucoup mieux, avec notre journaliste Santé Agathe Landais. Les françaises ont trop recours aux césariennes ! Elles représentent 21% des accouchements, or l'OMS - l'Organisation mondiale de la Santé - n'en recommande que 10 à 15%. On vous explique pourquoi la France y a autant recours. Ecoutez Ca va beaucoup mieux avec Agathe Landais du 24 avril 2025.Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Nait - LCS Radio show Ep.160 by La Confiserie Sonore

Nous sommes le 30 janvier 1649, à Naples. Dans une lettre qu'elle adresse à Antonio Ruffo, l'un de ses commanditaires, lui annonçant le prochain envoi d'un tableaux, Artemisia Gentileschi écrit : «… Le nom d'une femme soulève des doutes jusqu'à ce que son travail soit vu…» Huit mois plus tard, le 7 août, Artemisia, âgée de cinquante-six ans, ajoute : « Mon illustre seigneurie, je vais vous montrer ce qu'une femme peut faire ». Le 13 novembre de la même année, l'artiste insiste : "Avec moi, Votre Seigneurie ne perdra pas et vous trouverez l'esprit de César dans l'âme d'une femme". Avant de conclure : "Je ne vous dérangerai plus avec ce bavardage féminin, car les œuvres parleront d'elles-mêmes". Née à Rome, fille de peintre, Artemisia commence sa formation artistique dans l'atelier de son père. Alors qu'elle n'a pas dix-huit ans, un événement violent change le cours de sa vie : elle est violée par un collaborateur de l'atelier familial. Un viol qui va entacher durablement sa réputation et orienter toute sa ultérieure. Le procès de son violeur, qui sera aussi le sien, va marquer les esprits de ses contemporains et la postérité. En 1916, commentant l'une des peintures parmi les plus célèbres de l'artiste « Judith décapitant Holopherne », le critique d'art Roberto Longhi note : « Qui pourrait penser que sous un drap étudié de candeurs et d'ombres glacées dignes d'un Vermeer grandeur nature, pouvait se dérouler une boucherie aussi brutale et atroce (…) ? Longhi ajoute : « (…) ce qui surprend, c'est l'impassibilité féroce de qui a peint tout cela et a même réussi à vérifier que le sang giclant avec violence peut orner le jet central d'un vol de gouttes sur les deux bords ! » . Artemisia Gentileschi : de l'infamie peur naître la force … Avec les Lumières d'Anne Hustache, historienne de l'art. Sujets traités : Artémisia Gentileschi, Antonio Ruffo, artiste, réputation, viol, infamie , Rome, peintre, tableau Merci pour votre écoute Un Jour dans l'Histoire, c'est également en direct tous les jours de la semaine de 13h15 à 14h30 sur www.rtbf.be/lapremiere Retrouvez tous les épisodes d'Un Jour dans l'Histoire sur notre plateforme Auvio.be :https://auvio.rtbf.be/emission/5936 Intéressés par l'histoire ? Vous pourriez également aimer nos autres podcasts : L'Histoire Continue: https://audmns.com/kSbpELwL'heure H : https://audmns.com/YagLLiKEt sa version à écouter en famille : La Mini Heure H https://audmns.com/YagLLiKAinsi que nos séries historiques :Chili, le Pays de mes Histoires : https://audmns.com/XHbnevhD-Day : https://audmns.com/JWRdPYIJoséphine Baker : https://audmns.com/wCfhoEwLa folle histoire de l'aviation : https://audmns.com/xAWjyWCLes Jeux Olympiques, l'étonnant miroir de notre Histoire : https://audmns.com/ZEIihzZMarguerite, la Voix d'une Résistante : https://audmns.com/zFDehnENapoléon, le crépuscule de l'Aigle : https://audmns.com/DcdnIUnUn Jour dans le Sport : https://audmns.com/xXlkHMHSous le sable des Pyramides : https://audmns.com/rXfVppvN'oubliez pas de vous y abonner pour ne rien manquer.Et si vous avez apprécié ce podcast, n'hésitez pas à nous donner des étoiles ou des commentaires, cela nous aide à le faire connaître plus largement. Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Send us a textThe challenge of plastic waste demands innovative solutions, especially when we confront the startling reality that only nine percent of plastics worldwide are currently being recycled. NAIT's Dr. Muhammad Arshad reveals how the Polytechnic's initiative Plastic Research in Action is tackling this problem, specifically through groundbreaking work on polymer blends in the Designing for Circularity: Development of polypropylene blends using post-consumer recycled plastic program.For the past two years, Dr. Arshad's team has been working with their industry partners Heartland Polymers to develop and test formulations that combine virgin polypropylene with post-consumer recycled plastics. Their research delves into the complex realities of plastic recycling—how materials degrade through multiple processing cycles, why multi-layer packaging frustrates recycling efforts, and what formulations might maintain performance quality while incorporating recycled content. Now moving from bench testing to pilot scale, their partnership with Heartland Polymers shows promise for creating commercially viable solutions.The conversation illuminates the entire lifecycle of plastic products, from petroleum-based production through consumer use to disposal and potential reuse. We discover why 100% recycled plastic products aren't always feasible for high-performance applications and how blending virgin and recycled materials offers a practical middle ground. Beyond the technical aspects, Dr. Arshad highlights NAIT's partnerships across diverse sectors—from industrial manufacturers to Alberta's beekeeping industry—showing how circular economy principles can be applied across our economy.This interview with Dr. Arshad is related to the interview The circular economy unplugged with insights from Alberta Innovates' Mehr Nikoo.Ready to support plastic sustainability? Choose reusable products over single-use items, select products containing recycled content, and ensure you're following proper recycling guidelines in your community. Listen now to understand how Alberta researchers are transforming what we've traditionally viewed as waste into valuable resources for our future.Additional reading:Economic Study of the CANADIAN PLASTIC INDUSTRY, MARKETS AND WASTE (opens a pdf)Zero Plastic WasteShift by Alberta Innovates focuses on the people, businesses and organizations that are contributing to Alberta's strong tech ecosystem.

Kaip Lietuvoje gyvena atvykusios arba čia gimusios įvairių tautų moterys? Su kokiais socialiniais, ekonominiais ir kultūriniais iššūkiais jos susiduria? Apie šiandien vyksiančią diskusiją kalbėsime su organizacijos „Padėk pritapti“ vadove Inga Kreivėnaite.Daugiau kaip pusę amžiaus Miunchene vyksta tarptautinė amatų mugė. Pirmą kartą specialiąją juvelyrikos meno parodą „Schmuck“ kuruoja Lietuvos atstovė. Tai menotyrininkė, tarptautinių parodų kuratorė Jurgita Ludavičienė. Pokalbis tiesiogiai iš Miuncheno.Panevėžio „Pragiedrulių“ kūrybiškumo centre atidaroma astrofotografo Aido Vodeikio paroda „Ko nemato akys“. Dar vaikystėje kosmosu susižavėjęs panevėžietis dabar fiksuoja tolimas Visatos platybes iš savo paties sukonstruotos observatorijos. Joje lankėsi Evelina Povilavičiūtė.Ąžuolyno bibliotekoje Kaune pristatyta Vytauto Didžiojo universiteto profesorės Aistės Morkūnaitės-Lazauskienės knyga „Kauno miesto valdantysis elitas 1918–1940 m.“. Autorė šioje knygoje parodo itin margą kolektyvinį miesto valdžios portretą, atskleidžia įvairius savivaldos funkcionavimo laikinojoje sostinėje aspektus ir pokyčius per tuos dvidešimt metų, kai Kaunas buvo laikinąja sostine. Pasakoja Skirmantė Javaitytė.„Lietuvoje liaudies yra daugiau negu tautos“, – sako aktorius, skaitovas, kalinių ir apleistų vaikų organizacijų įkūrėjas Česlovas Stonys, kurio gyvenime, kaip ir Lietuvos istorijoje, yra įvairių epizodų. Apie praėjusį laiką ir gyvenimą – prieštaringą, sudėtingą, apie prasmės paieškas ir padorumo sąvoką šiandien – pokalbis rubrikoje „Be kaukių“.Ved. Jolanta Kryževičienė

"10 Geriausių" viešnia - Milda Martinkėnaitė su daina "Mes galime viską" - naujausiu singlu, kuriame skleidžiama galinga vienybės, bendrumo ir vilties žinia - vertybės, kurios yra ypač aktualios šiandien, kai toliau stebime karą Ukrainoje ir čia, Lietuvoje, švenčiame savo nepriklausomybę.

Pokalbiai tarp Jungtinių Amerikos Valstijų ir Ukrainos delegacijų Džidoje truko aštuonias valandas. Po jų pranešta, kad Ukraina sutinka mėnesiui nutraukti ugnį. Jungtinės Valstijos savo ruožtu nedelsiant atnaujina karinę paramą ir dalijimąsi žvalgybos duomenimis su Ukraina. “Dabar kamuoliukas Rusijos pusėje”, sako Markas Rubijas. Pasak jo, Donaldas Trumpas tikisi, kad Rusija sutiks su siūlomomis paliaubomis, ir tik tada esą galės prasidėti tikros derybos.Ar galimos 30 dienų paliaubos Rusijos kare prieš Ukrainą? Ką jos duotų?Laidoje dalyvauja Nepriklausomybės Akto signataras Albinas Januška, LRT bendradarbis Alvydas Medalinskas, VU TSPMI profesorė Dovilė Jakniūnaitė, buvęs VSD direktorius Gediminas Grina.Ved. Liepa Želnienė

We start off hour two with Trade Watch from NAIT's Corporate and Continuing Education to discuss all the latest trade news in oil country and elsewhere around the league. This brought us to our Coolbet Hotline of The Day, right before our Park Mazda sports update.   In the middle of the hour, we got right into The Fan Zone presented by FansFirst to discuss the Oilers trade deadline thus far.    We finished off hour one with MMMMMM That's Good... to discuss the deal Stephen A Smith's new contract deal... 

The fellas are back with another jam packed show! We start off by celebrating Marshall's 10th birthday, discussing hot water tanks, and by laying out the show!   Morning Announcements from 100.3 The Bear got us to our first sports update!   It is an Oilers home game day! So the fellas gave an all time rendition of ‘Tales of The North.' Because the Habs are in town, this was all French.   We finished off hour one with ‘Trade Watch' from NAIT's Corporate and Continuing Education! In this segment, we dove into all the latest trade news around the NHL.

Jamie McLennan got us started at the top of the second hour! He told everyone that it will all be okay… but he also followed that by saying this is simply not good enough. He gave his thoughts on the team's lack of effort, told a funny story and finished with his thoughts on the addition of Trent Frederic…   Yesterday's Coolbet ‘Hotline of The Day' didn't hit… but we're hoping tonight's does.   It was then time for ‘Free Advice' from Damon Bunting. The fellas spent a good time of this segment discussing ticket prices for the Oilers…   We finished off the second hour with ‘Trade Watch' from NAIT's Corporate and Continuing Education to give our thoughts on the Trent Frederic trade.

We got hour two started with a guest, today's first guest, Craig Button! He gave us his thoughts on all the latest trade rumours in oil country and elsewhere around the league.   The Oilers are finally back home, so they bet the over for tonight's game brought to you by Coolbet Canada.    It was then time for 'Weekly Confessions' presented by Spectrum Rent All. Once again, YouTube stoll the show.    We finished off the hour with 'Trade Watch' brought to you by NAIT's Corporate and Continuing Education! 

Kultūros publikacijų spaudoje apžvalga.Koks pasaulyje gyvenančių lietuvių santykis su lietuvių kalba ir kokios kalbinės nuostatos vyrauja?Tvarkydamas namų palėpę, Šventosios gyventojas rado XIX amžiuje išleistą vyskupo Motiejaus Valančiaus knygelę. Kuo ypatingas šis radinys?„Muziejaus vidinis gyvenimas turi labai daug sudėtingų detalių. Tas mechanizmas – kaip laikrodukas“, – sako dailininkas Stasys Eidrigevičius.Tarp Molėtų ir Labanoro esantį Čiulų dvarą įsigijusi jauna šeima ketina jį prikelti antram gyvenimui ir pakviesti į „Skaičių muziejų“.Valstybės Nepriklausomybės stipendija šiemet skiriama filologei Ernestai Kazakėnaitei, tyrinėsiančiai valstybingumą ir tapatybės formavimasį XVI–XVII a. lietuviškuose tekstuose.Mariaus Marcinkevičiaus knyga „Mergaitė su šautuvu“ virto stalo žaidimu.Briuselyje pristatomas pirmą kartą sudarytas Ukrainos Lyčių lygybės indeksas.Menininkė Marija Griniuk Norvegijoje ruošia naują performansą, kuris vyks už poliarinio rato.Ved. Marius EidukonisVU nuotr.

Ką valgydavo Lenkijos karaliai ir Lietuvos didžieji kunigaikščiai? Apie tai pasakojama istorikės Neringos Dambrauskaitės-Martinkėnės knygoje „Valdovai valgo“;Po tapytojo Jono Dailidėno mirties atrasti niekur iki šiol neeksponuoti atgimimo laikotarpio darbai. Pokalbis su Jono Dailidėno vaikais, meno kritike, kuratore ir menotyrininke Julija Dailidėnaite-Palmeirao ir stiklo menininku Viktoru Dailidėnu;Skandalas Latvijos kino pasaulyje paskatino šalį griežtinti intymių scenų filmavimo tvarką. Latvijos, Estijos ir Lietuvos intymumo koordinatorės siūlo idėją – Baltijoms šalims sukurti bendras darbo su intymumo koordinatoriais gaires;Valdovų rūmų muziejuje atverta nauja paroda „Atsivėrimai. Iš Lietuvos banko dailės rinkinio“, kurioje pirmą kartą plačiajai visuomenei atskleidžiama dar tarpukariu Lietuvos banko pradėta kaupti garsiausių to laiko ir šių dienų dailininkų kūrinių kolekcija;Rubrikoje „Be kaukių“ svečiuojasi mažų tiražų vinilinių plokštelių įrašų studijos „Darkroom Records“ įkūrėjas Dovilis Paliukas.Ved. Donatas Šukelis

Lietuvių literatūros ir tautosakos instituto mokslininkai išrinko kūrybiškiausių 2024-aisiais išleistų lietuvių autorių knygų dvyliktuką.Kokias kino žiūrėjimo tendencijas atskleidė tyrimas „Nekomercinių šeimos kino seansų lankymo tradicijų ugdymas“?Antrus metus Lietuvoje oficialiai minima Nacionalinė emancipacijos diena.Ar dėl vykdomų statybų Vilniaus centre kyla pavojus ir dailininko Kazimiero Žoromskio muziejui?Rubrikos „Be kaukių“ viešnia – tapytoja Simona Merijauskaitė.Ved. Marius Eidukonis

"C'est dans le monde de l'entreprise qu'on a cherché à me coller une étiquette : "HANDICAP". Découvrez un extrait de notre conversation avec Céline Steyer, créatrice du podcast "Nouvelles Héroïnes" et autrice du livre du même nom (éditions Larousse Jeunesse).

CME credits: 1.00 Valid until: 31-01-2026 Claim your CME credit at https://reachmd.com/programs/cme/classificationsuspecting-a-diagnosis-of-fnaitnait/32276/ Fetal and neonatal alloimmune thrombocytopenia (FNAIT) can lead to substantial medical challenges for the mother, fetus, and neonate. Diagnosis is often difficult without low platelet counts or frank bleeding. But a mother's risk for FNAIT can be assessed, and existing and newly emerging therapies can act as preventive measures and improve fetus/neonate outcomes. Join Drs. Karin Blakemore and Emilie Vander Haar as they address many of the issues surrounding the management of FNAIT and offer clear and actionable suggestions for you to bring into your clinical practice.

I put a little post out on Instagram asking you "Who do you want to see on Zero Pucks Given?" The very first answer I got, I then got a few more times and it was Ella Howard! I'm very impressed with this young lady, such a talented netminder, maturity beyond her years and has so much experience at such a young age! I really hope you enjoy our chat as much as I did... Zero Pucks Given is part of the Sport Social Podcast Network - all episodes are available to listen to through the ZPG landing site on their website (Link in Bio) Zero Pucks Given is sponsored by Hockey Art Co. Worn By The Best, Hated By The Rest; listeners to ZPG get 10% discount site wide from hockeyartclothing.co.uk clothing just listen in for the code Zero Pucks Given is also sponsored by Manscaped™️ listeners to ZPG get a 20% discount + free shipping on ALL Manscaped™️ listen in for the BRAND NEW CODE! Follow Zero Pucks Given on Instagram, Facebook, YouTube, TikTok, Snapchat, X and Threads so you don't miss a thing! The whole podcast episode is also available on YouTube as well as EVERYWHERE you can get podcasts. #ZeroPucksGiven #IceHockeyPodcast #Podcast #HockeyArtCo #UKIceHockey #BritishIceHockey #HockeyContent #CardiffFire #ChelmsfordChieftains #LetsGoChieftains #NIHL #Britton #South #InvictaDynamos #StreathamRedhawks #SolentDevils #SloughJets #SwindonWildcats2 #RomfordBuccaneers #OxfordCityStars #MiltonKeynesThunder #SportSocialPodcastNetwork #ItsNotWeakToSpeak Learn more about your ad choices. Visit podcastchoices.com/adchoices

Send us a textOn this episode of Shift we begin to explore Alberta's innovative approach to sustainability through the lens of the circular economy. We explore concrete projects that transform waste into valuable resources and discuss how individuals and industries can contribute to systemic change.• Defining circular economy and its relevance • Alberta's statistics on waste generation • Two critical pillars of circular economy • The importance of innovation in recycling technologies • Addressing built-in obsolescence in product design • The role the bioindustrial and circular innovation program plays • How individuals can participate in sustainability efforts • Future outlook for sustainable practices in Alberta Listen to find out how we can all play a role in shaping a more sustainable future!Shift by Alberta Innovates focuses on the people, businesses and organizations that are contributing to Alberta's strong tech ecosystem.

Kerpės – tai gamtos stebuklas, jungiantis grybų ir kerpių karalijas, be kurių nė vienas organizmas gamtoje negalėtų gyvuoti. Šioje radijo laidoje kalbėsime apie tai, kaip kerpės ir grybai tampa nepakeičiamais ekosistemos dalyviais, sužinosite, kokias unikalias savybes jos slepia, Aptarsime, kodėl šie organizmai yra tokie svarbūs mokslininkams bei kokią naudą teikia žmogui. Pasinerkite į paslaptingą kerpių pasaulį – kartu su Gamtos tyrimų centro mokslininke, dr. Jurga Motiejūnaite.Ved. Selemonas Paltanavičius ir Alvyda Bajarūnaitė

On today's episode of the Illumination by Modern Campus podcast, podcast host Shauna Cox was joined by Kassie Burkholder to discuss how entrepreneurial strategies and innovation are transforming higher education, driving agility and creating real-world alignment to stay competitive. 

Akvilina Cicėnaitė. „Anglų kalbos žodynas“. 4 d. Išleido leidykla „Alma littera“.Moteris ir jos vyras iškeliauja iš Sidnėjaus į Broken Hilį, vildamiesi, kad kelionė gali pataisyti viską – net tai, kas nepataisomai broken. Tačiau tai, kas jų laukia, yra kur kas daugiau nei tik fizinė kelionė per Australijos žemę – pirmiausia tai kelionė per fragmentais išnyrančią, prisiminimais blykstelinčią praeitį; per neišverčiamas migracijos ir gyvenimo svetur patirtis; per bendros kalbos ir bendrų namų paieškas; per savo ir kito atmintį. Šis romanas – tai bandymas išversti neišverčiamus žodžius, susikurti savo žodyną, grįžti namo iš žemyno uždarytomis sienomis.Knygos ištraukas skaito aktorė Aldona Vilutytė.

Akvilina Cicėnaitė. „Anglų kalbos žodynas“. 3 d. Išleido leidykla „Alma littera“.Moteris ir jos vyras iškeliauja iš Sidnėjaus į Broken Hilį, vildamiesi, kad kelionė gali pataisyti viską – net tai, kas nepataisomai broken. Tačiau tai, kas jų laukia, yra kur kas daugiau nei tik fizinė kelionė per Australijos žemę – pirmiausia tai kelionė per fragmentais išnyrančią, prisiminimais blykstelinčią praeitį; per neišverčiamas migracijos ir gyvenimo svetur patirtis; per bendros kalbos ir bendrų namų paieškas; per savo ir kito atmintį. Šis romanas – tai bandymas išversti neišverčiamus žodžius, susikurti savo žodyną, grįžti namo iš žemyno uždarytomis sienomis.Knygos ištraukas skaito aktorė Aldona Vilutytė.

Akvilina Cicėnaitė. „Anglų kalbos žodynas“. 2 d. Išleido leidykla „Alma littera“.Moteris ir jos vyras iškeliauja iš Sidnėjaus į Broken Hilį, vildamiesi, kad kelionė gali pataisyti viską – net tai, kas nepataisomai broken. Tačiau tai, kas jų laukia, yra kur kas daugiau nei tik fizinė kelionė per Australijos žemę – pirmiausia tai kelionė per fragmentais išnyrančią, prisiminimais blykstelinčią praeitį; per neišverčiamas migracijos ir gyvenimo svetur patirtis; per bendros kalbos ir bendrų namų paieškas; per savo ir kito atmintį. Šis romanas – tai bandymas išversti neišverčiamus žodžius, susikurti savo žodyną, grįžti namo iš žemyno uždarytomis sienomis.Knygos ištraukas skaito aktorė Aldona Vilutytė.

Akvilina Cicėnaitė. „Anglų kalbos žodynas“. 1 d. Išleido leidykla „Alma littera“.Moteris ir jos vyras iškeliauja iš Sidnėjaus į Broken Hilį, vildamiesi, kad kelionė gali pataisyti viską – net tai, kas nepataisomai broken. Tačiau tai, kas jų laukia, yra kur kas daugiau nei tik fizinė kelionė per Australijos žemę – pirmiausia tai kelionė per fragmentais išnyrančią, prisiminimais blykstelinčią praeitį; per neišverčiamas migracijos ir gyvenimo svetur patirtis; per bendros kalbos ir bendrų namų paieškas; per savo ir kito atmintį. Šis romanas – tai bandymas išversti neišverčiamus žodžius, susikurti savo žodyną, grįžti namo iš žemyno uždarytomis sienomis.Knygos ištraukas skaito aktorė Aldona Vilutytė.

[MÉTAMORPHOSE PODCAST] Anne Ghesquière reçoit le Pr Michel Lejoyeux, professeur de psychiatrie, auteur de travaux de recherches et de livres best-sellers. Existe-t-il des clés pour cultiver la bonne humeur même dans les moments difficiles ? Est-il possible d'apprendre à être heureux comme on apprend à lire ? Lorsqu'on sait que la dépression reste « l'une des maladies les plus fréquentes de nos jours, et les plus coûteuses en qualité de vie », ce questionnement semble bien légitime. La dépression n'a plus aucun secret pour le Pr Michel Lejoyeux. Il nous livre des outils concrets et diversifiés pour redécouvrir une sérénité authentique et durable : épisode garanti 100% bonne humeur ! Dans son livre, L'aventure de la bonne humeur, paru aux éditions Robert Laffont, il a fait le choix de la fiction dont on est le héros avec un jeu de pistes et une galerie de personnages hauts en couleurs ! Épisode #541Quelques citations du podcast avec le Pr Michel Lejoyeux :"La quête du high est déprimante et fatigante. L'objectif, c'est la quête d'un équilibre et d'une capacité à tolérer les mouvements de vos humeurs.""Une relation empathique, une relation non malveillante, qui ne prend pas de l'autorité sur vous parce que vous êtes déprimé, ça, c'est le plus précieux." "Je n'ai pas peur de l'hypersensibilité ; j'ai plus peur de celles et ceux qui considèrent que leurs émotions n'existent pas."Thèmes abordés lors du podcast avec le Pr Michel Lejoyeux :00:00 Introduction03:35 La bonne humeur, un cheminement personnel.05:25 Les émotions au coeur de nos vies.06:35 Les "4 E" pour déterminer un trouble de l'humeur.10:59 La quête épuisante d'une bonne humeur permanente.12:00 Mésestime de soi et dépression.15:18 Le mystère des causes de la tristesse.16:19 La bonne humeur excessive : avantages et inconvénients.18:32 Plus inquiétante que la mauvaise humeur : l'alexithymie !21:42 Comment la science définit l'émotion aujourd'hui ?24:04 Comment mieux réguler nos comportements ?26:38 Quel rôle peut jouer la lecture dans l'apprentissage de nos émotions ?34:10 L'exercice du blason pour redonner du sens à sa vie.38:17 Le risque de nostalgie.40:02 Les ponts entre psychiatrie et philosophie.43:53 Les 5 verbes en guise de solution à la mauvaise humeur.48:13 Est-ce que le fake it until you make it marche avec la bonne humeur ?49:55 Nait-on de plus ou moins bonne humeur ?53:28 La nécessité de cultiver l'agilité.58:15 Ce que nous apprend le mythe de Sisyphe.01:00:33 L'impact de la musique et de la nourriture sur l'humeur.01:07:17 Comment pratiquer l'auto-compassion.À ré-écouter :#301 Pr Michel Lejoyeux : En bonne santé avec MontaigneAvant-propos et précautions à l'écoute du podcast Recevez un mercredi sur deux l'inspirante newsletter Métamorphose par Anne GhesquièreFaites le TEST gratuit de La Roue Métamorphose avec les 9 piliers de votre vie !Suivez nos RS : Insta, Facebook & TikTokAbonnez-vous gratuitement sur Apple Podcast / Spotify / Deezer / CastBox/ YoutubeSoutenez Métamorphose en rejoignant la Tribu MétamorphosePhoto (c) Astrid di Crollalanza Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

Nait-on avec une bonne mémoire ou est-ce du à un entrainement régulier ?

REDIFF - Quand Joséphine Bernard, 27 ans, a été retrouvée morte à l'hiver 2018, pendue dans l'appartement qu'elle occupait dans une petite ville de Seine-et-Marne, l'histoire de sa fin tragique a aussitôt été écrite. Un suicide, sans doute sur fond de désillusion sentimentale. Les enquêteurs sont restés ancrés sur cette certitude, laissant derrière eux un dossier en friche, des investigations inachevées, incomplètes et même douteuses. La famille de Joséphine n'a pas cru une seconde à cette hypothèse. Retrouvez tous les jours en podcast le décryptage d'un faits divers, d'un crime ou d'une énigme judiciaire par Jean-Alphonse Richard, entouré de spécialistes, et de témoins d'affaires criminelles. Ecoutez L'heure du Crime avec Jean-Alphonse Richard du 31 octobre 2024.

Pranešama, kad Finansinių nusikaltimų tyrimo tarnyba sulaikė teisėsaugos akiratyje atsidūrusios finansinių technologijų įmonės „Foxpay“ akcininkę Ievą Trinkūnaitę bei jos sugyventinį Vilhelmą Germaną.Vyriausybė pritarė kitų metų valstybės biudžeto projektui: pajamos augs milijardu eurų, išlaidos - dviem su puse milijardo, lyginant su šių metų biudžeto planu. Vaiko pinigai kitais metais turėtų augti iki 122,5 euro. Biudžeto projektas rodo, kad augs tiek pensijos, tiek atlyginimai dirbantiesiems. Projektas rytoj bus teikiamas Seimui, jį, tikėtina, pakoreguos ir iki Kalėdų patvirtins jau naujos sudėties parlamentas.Lietuva planuoja įsigyti naujų priemonių, kurios padėtų kovoti su iš Baltarusijos pusės atskrendančiais meteorologiniais balionais.Ukrainos įmonė Lietuvoje statys sprogmenų gamyklą. Ekonomikos ir inovacijų ministerija su Ukrainos bendrove pasirašė ketinimų protokolą. Statybos turėtų prasidėti kitąmet.Ukrainos prezidentas savo šalies parlamentui pristatė pergalės planą. Pasiūlymą sudaro penki punktai: kvietimas Ukrainai prisijungti prie NATO, gynybos aspektas, atgrasymas nuo Rusijos agresijos, ekonomikos augimas ir bendradarbiavimas bei saugumo architektūra po karo.Kelininkai skelbia jau pasiruošę žiemiškiems orams.Ved. Liepa Želnienė

This week's guest, Michol Dalcourt, is an internationally recognized leader in the health and human performance industry. He is the Founder and CEO of the Institute of Motion, the inventor of ViPR and ViPR PRO, and Co-Founder of PTA Global (acquired by The National Academy of Sports Medicine). He's served as Adjunct Faculty at the University of San Francisco in the Department of Sports Science and also as Adjunct Faculty at the NAIT's College School of Health Sciences. Michol currently sits on several Health Advisory Boards for Health and Human PerformanceMichol has given hundreds of international lectures and has been a featured speaker at many of the world's top health and coaching conferences and many colleges and universities around the world. He has done extensive work in the areas of health and human performance, and consults with many of the health and performance industry's biggest companies - including Microsoft Health and Nike -among others.  Above all of his accomplishments, he is also a father of a 14-year-old daughter.  There's a lot of great insight in this session, enjoy!If you liked this EP, please take the time to rate and comment, share with a friend, and connect with us on social channels IG @Kingopain, TW @BuiltbyScott, LI+FB Scott Livingston. You can find all things LYM at www.LYMLab.com, download your free Life Lab Starter Kit today and get busy living https://lymlab.com/free-lym-lab-starter/Please take the time to visit and connect with our sponsors, they are an essential part of our success:www.VALD.com www.ReconditioningHQ.com

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   Justin Smulison interviews National Safety Council CEO Lorraine Martin about National Preparedness Month, a new OSHA proposed statement on workplace safety in extreme heat, National Recovery Month, drug overdose deaths at work, and some related topics. Lorraine also invites you to the NSC Safety Congress & Expo from September 13th through the 19th. Listen for information and insight from NSC CEO, Lorraine Martin.   Key Takeaways: [:01] About RIMS. [:14] About this episode. Justin introduces return guest National Safety Council President and CEO Lorraine Martin. She will tell us what's going on with safety and preparedness in the U.S. and the world. [:44] Virtual Workshops! Applying and Integrating ERM is back and it will be hosted by Elise Farnham on September 25th and 26th and also on December 4th and 5th. [:58] On October 9th and 10th, Chris Hansen returns to deliver Fundamentals of Insurance. Other dates for the Fall and the Winter are available on the virtual workshops calendar at RIMS.org/virtualworkshops. [1:16] RIMS-CRMP Prep Courses! On September 10th and 11th, the RIMS-CRMP Exam Prep will be held with NAIT. There is another RIMS-CRMP Exam Prep on September 12th and 13th. [1:31] The next RIMS-CRMP-FED Exam Prep course will be hosted along with George Mason University on December 3rd through 5th, 2024. Links to these courses can be found on the Certification Page of RIMS.org and in this episode's show notes. [1:46] Events! We've got the DFW RIMS 2024 Fall Conference and Spa Event happening on September 19th in Irving, Texas. Learn more about that event in Episode 299, which features an interview with the Texas State Office of Risk Management. [2:04] Also on September 19th is the RIMS Chicago Chapter's Chicagoland Risk Forum 2024. Register at ChicagolandRiskForum.org. [2:13] Registration opened for the RIMS Canada Conference 2024 which will be held from October 6th through the 9th in Vancouver. Visit RIMSCanadaConference.ca to register. [2:26] Registration is also open for the RIMS Western Regional, which will be held from September 29th through October 1st at the Sun River Resort in Oregon. Register at RIMSWesternRegional.com. [2:39] We want you to join us in Boston on November 18th and 19th for the RIMS ERM Conference 2024. The agenda is live. The keynote will be announced soon. We want to see you there! A link is on this page. [2:55] The nominations are now open for the RIMS ERM Award of Distinction 2024. Nominations are due August 30th. A link to the nomination form is in this episode's show notes. [3:09] If you or someone you know manages an ERM program that delivers the goods, we want to hear about it. A link is in this episode's show notes. All RIMS regional conference information can be found on the Events page at RIMS.org. [3:26] Interview! I am delighted to be rejoined by National Safety Council President and CEO Lorraine Martin. Her timing is perfect for National Preparedness Month in September. We've got so much to discuss in the way of natural catastrophes and other risks. [3:46] We will also talk about National Recovery Month, and how prescription opioids can impact employees and employers and why it is such an important business risk. That dovetails into last week's episode with the NCCI. [4:02] We'll talk about the NSC's Safety Congress and Expo on September 13th through the 19th in Florida and we'll also talk a bit about Lorraine's background in the U.S. Air Force, her decades at Lockheed Martin, and how those shaped her risk perspective. [4:24] Lorraine Martin, welcome back to RIMScast! [4:45] Lorraine started her career in the U.S. Air Force. Justin thanks her for her service. After the Air Force, Lorraine spent nearly 30 years at Lockheed Martin. [5:29] The Air Force and all the armed services ask their people to do high-risk things to protect our nation and support our allies around the world. As a member of the armed services, you understand how important safety is to those you protect, and the risks that go with that. [5:55] Lorraine started in the Air Force in the early '80s. Being a five-foot female in the Air Force she had combat boots and survival suits that didn't always fit. She saw the need to keep everyone safe. That means being open and expansive to make sure to cover everybody. [6:44] At Lockheed Martin, Lorraine ran some of the aircraft manufacturing programs. There was potential for serious injury and fatality (SIF), with energy, heights, and all kinds of things that need to be done safely. [7:08] The products being built had to go do important things around the world, so they had to meet safety standards for operation and bring everybody home. Lorraine needed to understand safety in manufacturing and in the mission. [7:30] Justin and Lorraine met after Lorraine joined the NSC as President and CEO in 2019. Less than a year later, COVID-19 hit the U.S. Lorraine has been at the NSC for five years. Time sometimes flew by and In some cases, it felt like the world stood still for everybody. [8:13] On RIMScast in 2020, Justin and Lorraine talked about technology and the importance of reaching people, through podcasts, Zoom, or Teams. Lorraine is responsible for providing training so people can be safe. She had to learn how to do that when she couldn't be with them. [8:40] The NSC had to become good at virtual training and helping customers and stakeholders understand what remote and virtual learning looks like. The world has come so far in understanding what people can do virtually. It's not everything! Human interaction is still critical. [9:01]  Lorraine says we learned so much, whether for drivers' fleet training or for folks doing CPR. The NSC was able to reach more people, which is great when you're talking about safety. In many cases, the NSC reached them in a more cost-effective manner for all involved. [9:27]  The NSC focused on what was happening to humans as they were being buffeted during this time, from 2020. On RIMScast, Lorraine and Justin had talked about mental health. The NSC pioneered some research that looked at how psychological safety impacts physical safety. [9:55] Lorraine believes that since 2020, we've come so far in understanding that physical safety can be impacted by many different aspects of your life like distraction, fatigue, or substance abuse, that can cause you not to be on your game. [10:22] The NSC honed in on the issue of a person not being on their game as being impaired, and they shouldn't do something that would put themselves or somebody else at risk. [10:38] The NSC leaned into trainings around being able to identify impairment and giving people the skills to take action so they can take somebody out of harm's way. It's easy to say and hard to do but so critical. [10:55] The NSC and RIMS both used the pandemic as an opportunity to dial up virtual offerings and dial back some live events. Many of the right live events have come back. There is some training that is important to be in person. [11:18] In-person collaboration and interaction support mental health. Isolation as a result of the pandemic was a burden for many folks. [11:47] The NSC received positive feedback on their SAFER initiative, ensuring people were safe in returning to work. A task force of stakeholders from government, non-profits, public health medical professionals, and Fortune 500 companies advised NSC and NSC advised workplaces. [12:30] The SAFER guidelines included ventilation, vaccination, and all of the things a business would need. It was a one-stop shop for policy statements, legal statements, and other best practices for workplaces to use to safely accommodate workers at work. [13:10] The SAFER initiative is still going on. It's funded now by the CDC. NSC is now looking at long-term COVID, mental health and well-being, the overall long-term effects of a pandemic, and how workplaces prepare for whatever's coming in the future. [14:06] Lorraine just listened to a piece on NPR about COVID-19. We're still learning. We've found a way so that most folks do not perish from it, but we don't know everything about it and probably won't for some time. [14:28] In Long COVID there's some inflammation or reaction that's still happening long after the initial symptoms. Understanding it and what we can do either to prevent or treat it is still in front of us. [14:46] Organizations that let NSC white-label guideline documents for distribution were mostly NSC member organizations. NSC has roughly 14,000 member organizations and companies. They get policies and information from NSC and they also give back so others could learn. [16:01] All of the armed services are members of the National Safety Council. Some of them use NSC training for various things. Lorraine's past employer, Lockheed Martin, has been a member for a long time. [16:13] NSC has groups called networks, made up of the larger companies, that look at big trends coming, to help the government prepare and give back to small and mid-sized companies. Lockheed Martin is in many of the networks as are other Fortune 100 companies. [16:44] It's RIMS plug time! Webinars! On September 5th, Merrill Herzog debuts on RIMS Webinars with the Role of Insurance in Building Resilience Against an Active Assailant Attack. [16:57] On September 12th, HUB International returns to deliver the third part of their Ready for Tomorrow series, Pivot and Swerve: Staying Agile During Shifting Market Dynamics. [17:12] On September 19th, Origami Risk returns to deliver Leveraging Integrated Risk Management For Strategic Advantage. On September 26th, Archer returns to discuss The Future of RMIS: Beyond Traditional Approaches. [17:28] On October 3rd, Diligent will host Mastering ERM: Leveraging Internal and External Risk Factors for Strategic Advantage. More RIMS Webinars will be announced soon and added to RIMS.org/Webinars. Register here. Registration is always complimentary for RIMS members. [17:50] The RIMS ERM Conference 2024 will be held November 18th and 19th in Boston, Massachusetts. The agenda is live. [18:01] The submission process is open for the RIMS ERM Global Award of Distinction. A link to the application is in this episode's show notes. The deadline for submissions is August 30th. [18:12] So review your organization's ERM program. If you feel it was successful and you have the numbers and the data to back it up, compile that information and get ready to submit your ERM program for the ERM Award of Distinction. [18:26] The Spencer Educational Foundation's goal is to help build a talent pipeline of risk management and insurance professionals. That is achieved, in part, by a collaboration with risk management and insurance educators across the U.S. and Canada. [18:41] Whether you want to apply for a grant, participate in the Risk Manager on Campus program, or just learn more about Spencer, visit SpencerEd.org. [18:52] On September 12th, 2024, we look forward to seeing you at the Spencer Funding Their Future Gala at The Cipriani 42nd Street in New York City. Our recent guest from Episode 293, Lilian Vanvieldt-Gray, will be our honoree. [19:08] Lilian is the Executive Vice President and Chief Diversity, Equity, and Inclusion Officer at Alliant Insurance Services and she will be honored for her valuable contributions to supporting the future of risk management and insurance. [19:25] That was a great episode, so after you finish this one, please go back and listen to Episode 293. [19:31] Let's Conclude Our Interview! September is National Preparedness Month. NOAA has said that atmospheric and oceanic conditions continue to support an above-normal 2024 Atlantic hurricane season with a 90% probability of this result. [20:57] Organizations must do a lot to prepare for extreme weather. Extreme weather is getting more common. It affects communities but also impacts people at work. Businesses must be prepared for their businesses to continue but also to protect their people from extreme weather. [21:42] Businesses can act to protect their people from wildfires, tornadoes, storms, and heat. Heat is the deadliest weather event. Our world is getting hotter, the data shows. Many people work outside in extreme, dangerous heat. [22:18] OSHA recently issued a proposed ruling, informed by input from the NSC and its members, to keep indoor and outdoor workers safe from heat injury and illness. Employers need to incorporate these weather events into their safety programs. [22:59] You need a written heat injury and illness policy and prevention program. Document your emergency action plans. Practice them. Hold heat awareness training. Heat exhaustion and heat stress prevention is about being preventative. Know the signs, hydrate, and take shaded breaks. [23:30] Education is hugely important to prevent heat illness. NSC has resources for employers to build their safety programs. Go to NSC.org and reach out. If you haven't put in some of these extreme weather precautions to protect your employees, Lorraine urges you to do so. [24:13] September is also National Alcohol and Drug Addiction Recovery Month. Overdoses are the leading cause of unintentional death in the U.S. Every day we lose 200 people to an unintentional death from an overdose, compared to 100 roadway deaths. [25:16] Deaths on the job from overdoses have increased by over 600% since 2011. Overdoses make up nearly 10% of all deaths at work in the U.S. In some U.S. states the number is higher. In California, the rate of overdose deaths at work over the last 12 months was closer to 20%. [26:09] Construction and agriculture are hard hit by overdose deaths. Sometimes it's the type of work being done. Last year the FDA made naloxone, an opioid reversal medication, available over the counter. [26:39] The NSC advocates that naloxone be stocked in every workplace and all employees be trained in this life-saving reversal practice, just like with CPR or AEDs. You want to be able to administer this life-saving drug on the spot to bring someone back to life if you can. [27:03] For those workplaces where they've had a fatality due to an unintended overdose, it's devastating for the workforce, the community, and families. [27:11] We have this incredibly impactful drug and in most cases, the person has survived, and you can't hurt someone with it, whether or not they're overdosing or whether or not you've misdiagnosed them, you can't hurt them. [27:28] The NSC provides training on its website on how to do naloxone. It's virtual, and it is in a workplace language. NSC also has drug policies, legal briefs, and good samaritan laws, state by state. If somebody says they need some guide, NSC tries to find it to put it on the website. [28:26] Sixty-six percent of people with a substance use disorder of any kind have a job. The workplace is a great place to be intervening for them and having their back. [28:45] A study from the Massachusetts Dept. of Public Health found that Massachusetts working-age residents were 35% more likely to die of an opioid-related overdose if they'd previously been injured at work. [29:06] If you get hurt at work and then get prescribed an opioid, you can sometimes be on that path to a substance use issue just because you're trying to make sure that you can stay healthy and be at work. This is an important issue for our workplaces and employers to be part of. [29:27] Employees in recovery are very good employees who miss fewer days of work than the average employee and they save employers money, once they are back at work. Lorraine encourages employers to ensure employee safety, help in recovery, and get them back to work. [30:11] Labor Day is coming up. NSC offers a message for the Labor Day weekend on how many people may lose their lives if people don't drive well this Labor Day weekend: 457 across the nation. Every single death on a roadway is preventable. When you drive, do so safely. [31:50] Justin says to look for the link to the NSC 2024 Labor Day message in this episode's show notes. [31:58] The NSC Safety Congress & Expo will be held in Orlando, September 13th through the 19th. Lorraine will talk to the stakeholders and be on the stage. It's the big NSC show of the year. There is also a fundraiser around it, the NSC board meeting, and professional development.  [32:29] The main show is on the Monday, Tuesday, and Wednesday, the 16th through the 18th. Speakers include Doug Parker, the head of OSHA, technical sessions, and a huge Expo floor. [32:43] There will be a cool speaker who is a blind adventurer who climbs mountains, and who will share resilience and safety-related messages. Go the the NSC Safety Congress link in this episode's notes. Lorraine looks forward to seeing everyone this year, there in Orlando. [33:12] Everyone is definitely united at the NSC Safety Congress & Expo! [33:14] Lorraine, it has been such a pleasure to see you again and to speak with you to get your perspective and insight. Thank you for rejoining us! Hopefully, the next time we have you on RIMScast, it won't be four years between visits. [33:37] Special thanks again to NSC CEO, Lorraine Martin for reasoning us here on RIMScast. We love the NSC here at RIMS; they do great work. The NSC Safety Congress & Expo will be held from September 13th through 19th in Orlando, Florida. A link is in this episode's show notes. [34:01] Also in our show notes, you will find the prior interview with Lorraine Martin. She is a wealth of information and perspective. [34:09] It's RIMS plug time! The RIMS App is available to RIMS members exclusively. Go to the App Store and download the RIMS App with all sorts of RIMS resources and coverage. It's different from the RIMS Events App. Everyone loves the RIMS App! [34:44] You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in our show notes. RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [35:28] 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. [35:48] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [36:02] 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. Justin Smulison is the Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [36:24] Thank you for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe!   Mentioned in this Episode: DFW RIMS 2024 Fall Conference and Spa Event | Sept 19-20 Chicagoland Risk Forum 2024 – Presented by RIMS Chicago Chapter – Sept. 19, 2024 RIMS Western Regional – Sept 29‒Oct 1, Oregon | Registration is open! RIMS Canada Conference 2024 – Oct. 6‒9 | Registration is open! Spencer Educational Foundation – Funding Their Future Gala 2024 | Sept. 12, 2024 RIMS ERM Conference 2024 will be in Boston, MA Nov. 18‒19 | Register Now RIMS ERM Award of Distinction – Nominations Open Through Aug. 30, 2024! RISKWORLD 2025 will be in Chicago! May 4‒7 RIMS DEI Council RIMS-Certified Risk Management Professional (RIMS-CRMP) RIMS Strategic & Enterprise Risk Center NEW FOR MEMBERS! RIMS Mobile App NSC CEO and President Lorraine Martin (NSC Bio) NSC Safety Congress & Expo – Sept 13‒19 OSHA Heat Injury and Illness Prevention in Outdoor and Indoor Work Settings Rulemaking National Recovery Month NSC 2024 Labor Day Message   RIMS Webinars: How to Successfully Deploy AI in Risk Management | Sponsored by Riskonnect | Aug. 27, 2024 Role of Insurance in Building Resilience Against an Active Assailant Attack | Sponsored by Merrill Herzog | Sept. 5, 2024 HUB Ready for Tomorrow Series: Pivot and Swerve — Staying Agile During Shifting Market Dynamics | Sept. 12, 2024 Leveraging Integrated Risk Management For Strategic Advantage | Sponsored by Origami Risk | Sept. 19, 2024 The Future of RMIS: Beyond Traditional Approaches | Sponsored by Archer | Sept. 26, 2024 Mastering ERM: Leveraging Internal and External Risk Factors for Strategic Advantage | Sponsored by Diligent | Oct. 3, 2024 RIMS.org/Webinars   Upcoming Virtual Workshops: Optimizing Risk Management with AI | Aug. 29, 2024 Fundamentals of Insurance | Oct 9‒10, 2024 See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes: Opioid Awareness and Workers Comp Risks with Raji Chadarevian of the NCCI Bigger Risks with the Texas State Office of Risk Management | Sponsored By Hillwood DE&I Initiatives with Spencer 2024 Honoree Lilian Vanvieldt-Gray of Alliant Insurance Services Safety Does Not Pause: Employee Hazards During COVID-19 with NSC President & CEO Lorraine Martin [March 2020]   Sponsored RIMScast Episodes: “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL (New!) “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company (New!) “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 “Alliant's P&C Outlook For 2024” | Sponsored by Alliant “Why Subrogation is the New Arbitration” | Sponsored by Fleet Response “Cyclone Season: Proactive Preparation for Loss Minimization” | Sponsored by Prudent Insurance Brokers Ltd. “Subrogation and the Competitive Advantage” | Sponsored by Fleet Response “Cyberrisk Outlook 2023” | Sponsored by Alliant “Chemical Industry: How To Succeed Amid Emerging Risks and a Challenging Market” | Sponsored by TÜV SÜD “Insuring the Future of the Environment” | Sponsored by AXA XL “Insights into the Gig Economy and its Contractors” | Sponsored by Zurich “The Importance of Disaster Planning Relationships” | Sponsored by ServiceMaster   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) RIMS-CRMP Stories — New interviews featuring RIMS Risk Management Honor Roll Inductee Mrunal Pandit!   RIMS Events, Education, and Services: RIMS Risk Maturity Model® RIMS Events App Apple | Google Play   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: Lorraine Martin, CEO, National Safety Council Tweetables (Edited For Social Media Use): We just said, “We're going to be the place, if you need anything to navigate the return to work, we're going to have it for you.” And if we didn't have it, companies would give us theirs and enable us in many cases to white-label it and provide it to the world. — Lorraine Martin   We have a lot of resources for employers to build their heat safety programs. — Lorraine Martin   Right now, overdoses are the leading cause of unintentional death in the U.S. Deaths on the job from overdoses have increased by over 600% since 2011. Overdoses make up nearly 10% of all deaths at work. — Lorraine Martin   For those workplaces where they've had a fatality due to an unintended overdose, it's devastating for the workforce, the community, and families. — Lorraine Martin   Driving is the most dangerous thing we do every day and it's even more dangerous during these longer weekends. Buckle up, follow the speed limit, don't get distracted, and drive sober. — Lorraine Martin  

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   Justin Smulison interviews Raji H. Chadarevian, Executive Director, Actuarial Research , the National Council of Compensation Insurance, or NCCI, about opioid use and related risks for injured workers. Raji and Justin talk about the statistics. The good news is that through the joint efforts of insurers, the NCCI, prescribing physicians, pharmacies, and employers, the utilization of opioids for pain management in injured workers, while appropriate in some cases, has decreased sharply in the last eight years, and continuing efforts to find alternative pain management systems should keep that trend going.   Listen in for more information about recovery awareness, and what your company can do to help injured workers avoid opioid addiction. Key Takeaways: [:01] About RIMS. [:14] RISKWORLD 2025 will take place in Chicago, Illinois from May 4th through May 7th. The call for submissions is now open through August 27th. A link to the submission form is in this episode's show notes. [:30] Virtual Workshops! Applying and Integrating ERM is back and it will be hosted by Elise Farnham on September 25th and 25th and also on December 4th and 5th. [:56] On August 29th, Pat Saporito returns to discuss Optimizing Risk Management with Artificial Intelligence. [1:05] On October 9th and 10th, Chris Hansen returns to deliver Fundamentals of Insurance. Other dates for the Fall and the Winter are available on the virtual workshops calendar at RIMS.org/virtualworkshops. [1:24] RIMS-CRMP Prep Courses! On September 10th and 11th, the RIMS-CRMP Exam Prep will be held with NAIT. There is another RIMS-CRMP Exam Prep on September 12th and 13th. [1:38] The next RIMS-CRMP-FED Exam Prep course will be hosted along with George Mason University on December 3rd through 5th, 2024. Links to these courses can be found on the Certification Page of RIMS.org and in this episode's show notes. [1:53] Events! We've got the DFW RIMS 2024 Fall Conference and Spa Event happening on September 19th in Irving, Texas. Learn more about that event in Episode 299, which features an interview with the Texas State Office of Risk Management. [2:11] Also on September 19th is the RIMS Chicago Chapter's Chicagoland Risk Forum 2024. Register at ChicagolandRiskForum.org. [2:21] Registration opened for the RIMS Canada Conference 2024 which will be held from October 6th through the 9th in Vancouver. Visit RIMSCanadaConference.ca to register. [2:33] Registration is also open for the RIMS Western Regional, which will be held from September 29th through October 1st at the Sun River Resort in Oregon. Register at RIMSWesternRegional.com. [2:48] We want you to join us in Boston on November 18th and 19th for the RIMS ERM Conference 2024. The agenda is live. The keynote will be announced soon. We want to see you there! A link is in this episode's show notes. [3:04] The nominations are now open for the RIMS ERM Award of Distinction 2024. Nominations are due August 30th. A link to the nomination form is in this episode's show notes. [3:16] If you or someone you know manages an ERM program that delivers the goods, we want to hear about it. A link is in this episode's show notes. All RIMS regional conference information can be found on the Events page at RIMS.org. [3:32] The Interview! With National Recovery Month in September, and National Opioid Awareness Day, September 21st, I wanted to shine a light on opioid addiction and Workers' Compensation claims with new data about opioid abuse and how it impacts the workplace. [4:05] This is a critical risk and I wanted to speak with someone who can tell the story about the data, so I reached out to Raji Chadarevian, the Executive Director for Actuarial Research  at the National Council of Compensation Insurance, or NCCI. [4:24] He has the insight and perspective on the new data that's being released, so let's hear all about it! Raji Chadarevian, welcome to RIMScast! [5:03] Raji states that the NCCI celebrated its 100th anniversary in 2023. The mission of NCCI is to help foster a healthy workers' compensation system. It's an advisory agency for 38 states and the District of Columbia, serving as a comprehensive source for all things workers' comp. [5:47] Raji explains that as an advisory organization, the NCCI provides ratings and statistical advisory insights to the industry, as a whole. It also collects a variety of data. [6:05] Raji is the Executive Director of Research at NCCI. He tells the story behind the numbers. The brainiacs do the research and help him tell the story. [6:47] NCCI collects data representing $30 million in workers' comp premium for just under four million policies a year, six million employer risk reports with detailed information about premiums, claims, and 10 million transactions with detailed information on lost-time claims. [7:17] NCCI collects data on 52 million payments to medical providers for claims every year. The Medical Data Call, where NCCI collects this information, started in 2010. It contains meaningful information to understand the experience of the injured worker throughout the recovery process. [8:01] Mapping the medical data, NCCI gets to understand the medical services provided, where they are provided, by what provider, and for what purpose. The data provides details of drugs prescribed and where they are dispensed, to understand the use of opioids in workers' comp. [8:41] Managing pain is a big part of the recovery for workers' comp injuries. Over the years, NCCI has published opioid use for some 40 states where it collects medical data. This data details precise utilization trends, the types of narcotics used, and the frequency of use. [9:18] The data shows carriers that cover workers' comp for employers are able to compare their experience in any one jurisdiction to statewide trends and act on that intelligence to manage their pharmacy experience. [9:45] In the last eight years, there has been a huge change in opioid prescribing in workers' comp. We've seen a significant decrease. The NCCI data shows that in the last eight years, opioid use in the year after an injury has decreased from 42% of lost time claims to 16%. [11:14] Raji notes this is a very important trend. Being addicted to pain medications makes it hard to manage your daily work when that addiction is taking hold. Opioid use is not opioid addiction. Opioid utilization can lead to opioid addiction. [11:50] There are alternatives to treating pain that have come through with the greater awareness of opioid addiction. [12:04] It's RIMS plug time! Webinars! On August 27th, Riskonnect returns to discuss How To Successfully Deploy AI in Risk Management. On September 5th, Merrill Herzog debuts on RIMS Webinars with the Role of Insurance in Building Resilience Against an Active Assailant Attack. [12:26] On September 12th, HUB International returns to deliver the third part of their Ready for Tomorrow series, Pivot and Swerve: Staying Agile During Shifting Market Dynamics. [12:41] On September 19th, Origami Risk returns to deliver Leveraging Integrated Risk Management For Strategic Advantage. More RIMS Webinars will be announced soon and added to RIMS.org/Webinars. Register there. Registration is always complimentary for RIMS members. [13:00] The RIMS ERM Conference 2024 will be held November 18th and 19th in Boston, Massachusetts. The agenda is live. [13:12] The submission process is open for the RIMS ERM Global Award of Distinction. A link to the application is in this episode's show notes. The deadline for submissions is August 30th. [13:22] So review your organization's ERM program. If you feel it was successful and you have the numbers and the data to back it up, compile that information and get ready to submit your ERM program for the ERM Award of Distinction. [13:37] Back to the Interview! The use of alternative pain medications has driven opioid utilization coming down from 42% of indemnity claims to about 16% of indemnity claims. If you look at all claims, opioid utilization is about one in 16, as opposed to one in four, 10 years ago. [14:12] The huge decrease shows a dramatic change in the way the systems are treating the injured workers, in terms of medications provided. When NCCI first tried to address the opioid epidemic in workers' comp, it held interviews with physicians, carriers, and regulators. [14:50] Workers' comp is a highly regulated system. The regulators had some say in how to manage opioids and other pain prescriptions. There was a meeting of the minds of all stakeholders: those defending the workers, prescribing physicians, carriers, and employers. [15:30] Opioid addiction was an epidemic that impacted the workers' comp system heavily. The conversations with stakeholders led to important insights on what the system can do to manage this experience. [15:57] Each carrier told NCCI they were already developing a specific program to manage the prescribing patterns for injured workers. Regulators were very interested in which opioids were being prescribed. Fentanyl used to be in the top 10 but not anymore. [17:35] The decrease in use was a result of increased awareness across the board, from patients, physicians, claims managers, and employers. Everyone was on board about the seriousness of the opioid situation. [18:11] We have time for one more break! The Spencer Educational Foundation's goal is to help build a talent pipeline of risk management and insurance professionals. That is achieved, in part, by a collaboration with risk management and insurance educators across the U.S. and Canada. [18:28] Whether you want to apply for a grant, participate in the Risk Manager on Campus program, or just learn more about Spencer, visit SpencerEd.org. [18:39] On September 12th, 2024, we look forward to seeing you at the Spencer Funding Their Future Gala at The Cipriani 42nd Street in New York City. Our recent guest from Episode 293, Lilian Vanvieldt-Gray, will be our honoree. [18:55] Lilian is the Executive Vice President and Chief Diversity, Equity, and Inclusion Officer at Alliant Insurance Services and she will be honored for her valuable contributions to supporting the future of risk management and insurance. [19:12] That was a great episode, so after you finish this one, please go back and listen to Episode 293. [19:18] Let's conclude our interview with Raji Chadarevian of the NCCI. Justin notes that the decline in opioid utilization has been observed across all study states and the 10 most common medical conditions. [19:53] The share of claims with high opioid usage in the first year following an injury has decreased by approximately 85%, reaching an all-time low of two percent, for injuries occurring in 2022. Opioid utilization has started to level off.  [20:17] Utilization at the early stages of the injured worker's recovery increases the likelihood of continued use. Managing the early stage of opioid utilization is important. [20:57] Physicians have told NCCI that one of the strategies they use is to draw up a contract between the prescribing physician and the injured worker that describes when the opioid utilization is going to decrease and then stop. That is effective in managing expectations. [21:28] The more opioids you have, the more you want. Having that contract allows the prescribing physician to manage the opioid use over time. That is critical because once a person gets to a certain stage of using opioids, it's very hard to get the person off opioids. [21:57] Some injured workers return to work while using prescribed opioids and some do not. One side effect of opioid addiction is polypharmacy, an increase of medications being taken, and it becomes very difficult to manage from a medical perspective. [22:49] The data has shown that if you're able to manage opioid utilization from the beginning, the injured worker's recovery can be managed in a predicted way. [23:31] Risk managers need to pay great attention to the injured worker where there is opioid use, making sure that injured workers who do get on an opioid have the necessary support from a nurse case manager, along with the physician, looking out for the patient's care. [24:19] Opioid utilization results in an improved condition over time, so it's tricky to manage. Measuring pain is also very difficult. Raji advises risk managers to make sure they have the right physicians and people assisting with those cases where there is an opioid prescribed. [24:52] Pay more attention to those folks. If opioid utilization is not well-managed, the consequences can be dramatic. Besides polypharmacy, often the patient is not able to sleep, able to function or go back to work, which becomes a bigger issue. [25:48] Raji suggests there are multiple ways to make sure your employees are well-educated from a health perspective. Part of wellness is to be educated and understand the impact of opioids, and such. There are programs to supply your employees with that information. [26:26] HR organizations, workers' comp management, loss control management, and insurers have the tools to help your workers and aid in awareness. [27:00] It's also important to know that health organizations have training for physicians about opioid addiction and alternative prescriptions for pain management. This coming year, NCCI is looking at alternative pain management techniques like behavioral therapy, and physical therapy. [27:58] There is also virtual reality treatment that has an impact. The NCCI study will look at what is currently being used to manage pain and what alternative treatments are effective, including cannabis, depending on the state and jurisdiction. [29:07] The use of virtual reality for treating pain is in training the brain to understand the pain messages coming through that may be associated with trauma. The pain from an injury may be associated with the psychological impact of the trauma. Virtual reality may treat that impact. [30:19] Raji says that there are some interesting studies taking place now on treating pain with virtual reality, including one at the University of Central Florida. [30:47] Raji contributed to a series for NCCI on the future of workplace safety technology. Raji found that technology to help with posture and carrying things is important in a warehouse. In workers' comp, there are a lot of lower back injuries that could be avoided with proper posture. [33:33] Justin hopes to see some unveiling of ergonomic wearable tech at RISKWORLD 2025 in Chicago. [33:46] The NCCI has an upcoming podcast later in 2024, the NCCI State of the Line Podcast. Raji looks forward to being a regular guest on the show, “if the podcasters are like you, Justin, making the conversation as good as this.” [35:00] Justin thanks Raji for coming on RIMScast to help raise awareness of National Recovery Month and National Opioid Awareness Day and for helping injured workers get the pain management they need and return to work safely. [35:24] Special thanks again to Raji Chadarevian of the National Council on Compensation Insurance. Lots of NCCI links are in this episode's show notes. Later this year, listen for Raji on the upcoming NCCI State of the Line Podcast. [35:44] It's RIMS plug time! The RIMS App is available to RIMS members exclusively. Go to the App Store and download the RIMS App with all sorts of RIMS resources and coverage. It's different from the RIMS Events App. Everyone loves the RIMS App! [36:17] You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in our show notes. 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. [37:01] 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. [37:19] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [37:35] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. Justin Smulison is the Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [37:56] Thank you for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe!   Mentioned in this Episode: DFW RIMS 2024 Fall Conference and Spa Event | Sept 19‒20 Chicagoland Risk Forum 2024 — Presented by RIMS Chicago Chapter — Sept. 19, 2024 RIMS Western Regional — Sept 29‒Oct 1, Oregon | Registration is open! RIMS Canada Conference 2024 — Oct. 6‒9 | Registration is open! Spencer Educational Foundation — Funding Their Future Gala 2024 | Sept. 12, 2024 RIMS ERM Conference 2024 will be in Boston, MA Nov. 18‒19 | Register Now RIMS ERM Award of Distinction — Nominations Open Through Aug. 30, 2024! RISKWORLD 2025 will be in Chicago! May 4‒7 RIMS DEI Council RIMS-Certified Risk Management Professional (RIMS-CRMP) RIMS Strategic & Enterprise Risk Center NEW FOR MEMBERS! RIMS Mobile App Risk Management Monitor: “Prescription Opioid Risks to the Workplace Explored at RISKWORLD 2018”   NCCI.com article links: “Opioid Prescribing Across Industry Groups” “On Opioids — The Doctors' Perspective” “On Opioids — Claims Professionals' Perspective” “On Opioids — Regulators' Perspective”   RIMS Webinars: How to Successfully Deploy AI in Risk Management | Sponsored by Riskonnect | Aug. 27, 2024 Role of Insurance in Building Resilience Against an Active Assailant Attack | Sponsored by Merrill Herzog | Sept. 5, 2024 HUB Ready for Tomorrow Series: Pivot and Swerve — Staying Agile During Shifting Market Dynamics | Sept. 12, 2024 Leveraging Integrated Risk Management For Strategic Advantage | Sponsored by Origami Risk | Sept. 19, 2024 RIMS.org/Webinars   Upcoming Virtual Workshops: Managing Data for ERM | Aug. 22, 2024 Optimizing Risk Management with AI | Aug. 29, 2024 Fundamentals of Insurance | Oct 9‒10, 2024 See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes: “Mental Health Awareness Month 2023” “Mental Health in the Workplace with Darcy Gruttadaro”   Sponsored RIMScast Episodes: “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL (New!) “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company (New!) “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 “Alliant's P&C Outlook For 2024” | Sponsored by Alliant “Why Subrogation is the New Arbitration” | Sponsored by Fleet Response “Cyclone Season: Proactive Preparation for Loss Minimization” | Sponsored by Prudent Insurance Brokers Ltd. “Subrogation and the Competitive Advantage” | Sponsored by Fleet Response “Cyberrisk Outlook 2023” | Sponsored by Alliant “Chemical Industry: How To Succeed Amid Emerging Risks and a Challenging Market” | Sponsored by TÜV SÜD “Insuring the Future of the Environment” | Sponsored by AXA XL “Insights into the Gig Economy and its Contractors” | Sponsored by Zurich “The Importance of Disaster Planning Relationships” | Sponsored by ServiceMaster   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) RIMS-CRMP Stories — New interviews featuring RIMS Risk Management Honor Roll Inductee Mrunal Pandit!   RIMS Events, Education, and Services: RIMS Risk Maturity Model® RIMS Events App Apple | Google Play   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guests: Raji H. Chadarevian Executive Director, Actuarial Research , of the National Council on Compensation Insurance (NCCI) Tweetables (Edited For Social Media Use): I'm all about telling the story behind the numbers. The research is meaningless if you can't tell that story. My job is to let the brainiacs of NCCI do the research and help me tell the real story behind it all. — Raji Chadarevian   It's a huge decrease in opioid use and it just means that the way the systems are treating the injured workers has changed dramatically, in terms of what medications are provided. — Raji Chadarevian   One of the strategies that physicians use to manage opioid use is to draw up a contract between the prescribing physician and the injured worker that describes when the opioid utilization is going to decrease and then stop. — Raji Chadarevian   Of the future of wearable workplace safety technology, what I would see as important is technology that helps with the posture in a warehouse and how you carry things; the ergonomic aspect. A lot of what we see in workers' comp is back injuries. — Raji Chadarevian    

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   Justin Smulison interviews Daniel Eliot of NIST about NIST, its new publications on cybersecurity, including two Quick Start Guides, the Cybersecurity Framework 2.0, and more, Daniel's history with cybersecurity for small businesses and his career-long passion for helping small businesses protect themselves against cybercrime.   Listen in for the latest information on NIST and cybersecurity guidelines for your organization. Key Takeaways: [:01] About RIMS. [:14] RISKWORLD 2025 will take place in Chicago, Illinois from May 4th through May 7th. The call for submissions is now open through August 27th. A link to the submission form is in this episode's show notes. [:30] About this episode. We will be joined by Daniel Eliot from the National Institute of Standards and Technology, or NIST. [:52] First, let's talk about RIMS Virtual Workshops. The full calendar of virtual workshops is at RIMS.org/VirtualWorkshops. August 15th starts the three-part series, Leveraging Data and Analytics for Continuous Risk Management. Other dates for the Fall and Winter are available on the Virtual Workshops full calendar at RIMS.org/VirtualWorkshops. [1:14] Let's talk about prep courses for the RIMS-CRMP. On September 10th and 11th, the RIMS-CRMP Exam Prep will be held with NAIT. There is another RIMS-CRMP Exam Prep on September 12th and 13th. [1:29] The next RIMS-CRMP-FED Exam Prep course will be hosted along with George Mason University on December 3rd through 5th, 2024. Links to these courses can be found on the Certification Page of RIMS.org and in this episode's show notes. [1:44] We've got the DFW RIMS 2024 Fall Conference and Spa Event happening on September 19th in Irving, Texas. Learn more about that event in Episode 299, which features an interview with the Texas State Office of Risk Management. [2:02] Also on September 19th is the RIMS Chicago Chapter's Chicagoland Risk Forum 2024. Register at ChicagolandRiskForum.org. [2:12] Registration opened for the RIMS Canada Conference 2024 which will be held from October 6th through the 9th in Vancouver. Visit RIMSCanadaConference.ca to register. [2:25] Registration is also open for the RIMS Western Regional, which will be held from September 29th through October 1st at the Sun River Resort in Oregon. Register at RIMSWesternRegional.com. [2:38] We want you to join us in Boston on November 18th and 19th for the RIMS ERM Conference 2024. The agenda is live. The keynote will be announced soon. We want to see you there! A link is in this episode's show notes. [2:53] The nominations are now open for the RIMS ERM Award of Distinction 2024. Nominations are due August 30th. A link to the nomination form is in this episode's show notes. [3:07] If you or someone you know manages an ERM program that delivers the goods, we want to hear about it. A link is in this episode's show notes. All RIMS regional conference information can be found on the Events page at RIMS.org. [3:24] On with the show! In October, we will celebrate National Cybersecurity Awareness Month. You should observe it all year round, of course. My guest today has a lot of great insight into risk frameworks. He is Daniel Eliot, the Lead for Small Business Engagement in the Applied Cybersecurity Division of The National Institute of Standards and Technology (NIST). [3:48] NIST is part of the U.S. Department of Commerce. Today, we will discuss some of the publicly available risk management frameworks and how they've evolved through the years and the new frameworks that address AI, as well. [4:05] You may remember Daniel from his appearance on an episode in April 2020, when he was with the National Cybersecurity Alliance. He is back to provide some new tips for the global risk management community. [4:18] Daniel Eliot, welcome back to RIMScast! [4:42] Justin and Daniel comment on some things that have changed since April 2020. Daniel was at the National Cybersecurity Alliance (NCA). [5:50] Now Daniel is the Lead for Small Business Engagement in the Applied Cybersecurity Division of The NIST. He shares his journey from NCA to NIST via the National Cybersecurity Center of Excellence, a NIST facility operated by Mitre. [6:52] Daniel is happy to be back supporting the small business community. [7:04] Daniel had worked in a small tech startup for almost seven years. He helped them scale the business and manage the development of their product. Next, Daniel joined the University of Delaware's Small Business Development Center, helping tech businesses start and scale. [8:16] Daniel applied for an SBA grant to help small businesses with cybersecurity. This was in 2014. The Cybersecurity Framework was published in 2014. Daniel applied the Cybersecurity Framework to small businesses. That started Daniel's career in small business cybersecurity. [9:32] There's a new NIST Risk Management Framework (RMF) Small Enterprise Quick Start Guide. Daniel's role at NIST is to coordinate across NIST, government, and the private sector, to create opportunities for the small business community to engage with NIST expertise. [10:19] The RMF Small Enterprise Quick Start Guide is a product of that coordination across NIST, government, and the private sector community. In February, NIST produced the Cybersecurity Framework 2.0 Small Business Quick Start Guide. [10:44] NIST decided to do a Quick Start Guide for a risk management framework for small to medium enterprises. The Risk Management Framework is a process. It's a holistic and repeatable seven-step process for managing security and privacy risks. [11:23] The NIST RMF Quick Start Guide provides an overview of the seven steps of the process, the foundational tasks for each step, tips for getting started with each step, a sample planning table, key terminology and definitions, questions to consider, and related resources. [11:53] It's RIMS plug time! Webinars! All RIMS Webinar registration pages are available at RIMS/org/Webinars. On August 27th, Riskonnect returns to discuss How To Successfully Deploy AI in Risk Management. [12:12] On September 5th, Merrill Herzog makes their RIMS Webinars debut with the Role of Insurance in Building Resilience Against an Active Assailant Attack. On September 19th, Origami Risk returns to deliver Leveraging Integrated Risk Management For Strategic Advantage. [12:28] Justin jumped ahead a bit. On September 12th, HUB International returns to deliver the third part of their Ready for Tomorrow series, Pivot and Swerve: Staying Agile During Shifting Market Dynamics. [12:44] Justin is delighted to be joined by the moderator for that session, the Chief Marketing Officer for Canada at HUB International, Linda Regner Dykeman. Justin welcomes Linda to RIMScast! [13:13] The webinar will be at 1:00 p.m. Eastern Time on September 12th. Linda says they will be discussing current market trends and challenges. The industry has been able to produce some very strong profits over the last few years. [13:29] The market needed correction after many years of unprofitability driven by weather events in the property line where rates seemed to be unsustainable. Casualty also had its issues, particularly with Directors and Officers Liability. [13:47] As a result of the profitability the industry was able to achieve over the last few years, most carriers have become more competitive in growing their books of business. This competition is not being seen in all lines, segments, or geographies. [14:04] Some catastrophe-prone zones such as BC and Alberta have not seen the same level of competition across the board. As the market transitions from a hard market to a competitive environment, there is some unusual and inconsistent behavior. [14:21] Carriers in Canada are being more flexible with their appetite. London is looking to grow significantly over the next couple of years with goals of hitting $100 billion by 2025. Add to that NGAs who are seeing their market share change as local carriers become more competitive. [14:39] As we transition out of what was considered to be a hard market, we see a lot of inconsistency in this market. [14:48] Add to this the supply chain issues, which are not what they once were, the economy is flat with spending, once normalized for an increase in population, it reflects that of a market in a recession. [15:02] We, as brokers are finding competitive solutions to protect our clients. We have to pivot and swerve to discover the right opportunities. [15:13] We had a significant rain event in Toronto, followed by one of the worst wildfires Jasper has ever seen, seemingly a once-in-a-hundred-year event; weather catastrophes are more severe and more frequent. [15:27] How is this going to change the availability of capacity and pricing? Time will tell, as insurers try to figure out if their pricing models included the right loadings for these events. [15:49] Being informed by what is happening in the market; the trends, the opportunities, what's available, and partnering with the right broker, will help a risk manager make an informed decision, appropriate for their business. [16:11] The panelists have decades of experience and expertise across North America. They work with clients, markets, and other experts and bring a much broader perspective and experience to this session. [16:26] Steve Pottle is the risk manager on the panel. He's been omnipresent in RIMS Canada for years. He's a former RIMS VP and is currently the Director for Risk and Safety Services at Thompson Rivers University. Justin says he's one of the best and Linda agrees. [16:57] Linda will moderate. She'll ask the panelists questions HUB International has received from its clients, based on what they are seeing happening in the environment around them. She would also like the audience to pose some questions. Audience participation is encouraged. [17:21] Justin thanks Linda Regner Dykeman of HUB International, and will see her again on September 12th, 2024 for the third installment of HUB's Ready for Tomorrow series, Pivot and Swerve: Staying Agile During Shifting Market Dynamics. [17:37] Let's return to today's interview with Daniel Eliot from NIST. [17:53] Daniel states that the Risk Management Framework is a repeatable seven-step process for managing security and privacy risks. It starts with preparation, categorizing, and understanding the information that your organization processes, stores, and transmits.  [18:20] Then you select controls, and implement those controls to protect the security and privacy of the systems. Then you assess, authorize, and monitor the controls. Are the selected controls producing the desired results? Are there changes to the organization that require new controls? [18:45] You follow the seven steps of the framework in order and repeat them in a cycle. Keep going through it. Every organization regularly changes. Technologies change. People change. That's why the framework has to be repeatable and flexible. [19:05] NIST published this Risk Management Framework Smal Enterprise Quick Start Guide as a tool to raise awareness within the Small and Medium Enterprise (SME) Community about what the Risk Management Framework is and how to get started with it. [19:26] This Quick Start Guide is not intended to guide you on your journey from start to finish for a comprehensive risk management implementation. It is a starting point. [19:41] The Guide has an overview of the steps of the Risk Management Framework, some foundational tasks for each of the RMF steps, some tips for getting started, some sample planning tables, and graphics to help people understand concepts that might be new to them. [20:02] NIST spent a lot of time defining key terminology, extracting terms out of the Risk Management Framework, and highlighting them in this Quick Start Guide. There are phrases and terms in the Risk Management Framework that some people new to it might not understand. [20:24] For example, “authorization boundary.” The Guide highlights and illustrates what these terms mean in the Risk Management Framework and adds questions for organizations to consider and use internally for discussion. The answers may be different for every organization. [21:12] This Guide is a derivative tool from the existing publication that went out for public comment. The Quick Start Guide did not go out for public comment but NIST has circulated Quick Start Guides to some small businesses they know to make sure it's hitting the right note. [21:56] Daniel monitors commentary and looks at how the Guide is received out in the world once it's published. In every Quick Start Guide, there is an opportunity for people to contact NIST if they have questions or if there is an error. NIST is always open to feedback. [23:03] In small businesses, Daniel finds the owner or operator is the Chief Risk Officer, the Janitor, the CISO, and the Chief Marketing Officer. Anyone can use the Risk Management Framework. It's a process. [23:25] Federal agencies, contractors to the federal government, and other sources that use or operate a federal information system typically use the suite of NIST Risk Management Standards and Guidelines to develop and implement a risk-based approach. [23:48] A lot of the audience for this Small Enterprise Quick Start Guide might be small universities, small municipalities, or small federal agencies implementing this Risk Management Framework. [24:27] We have time for one more break! The Spencer Educational Foundation's goal is to help build a talent pipeline of risk management and insurance professionals. That is achieved, in part, by a collaboration with risk management and insurance educators across the U.S. and Canada. [24:45] Whether you want to apply for a grant, participate in the Risk Manager on Campus program, or just learn more about Spencer, visit SpencerEd.org. [24:55] On September 12th, 2024, we look forward to seeing you at the Spencer Funding Their Future Gala at The Cipriani 42nd Street in New York City. Our recent guest from Episode 293, Lilian Vanvieldt-Gray, will be our honoree. [25:11] Lilian is the Executive Vice President and Chief Diversity, Equity, and Inclusion Officer at Alliant Insurance Services and she will be honored for her valuable contributions to supporting the future of risk management and insurance. [25:28] That was a great episode, so after you finish this one, please go back and listen to Episode 293. [25:34] Let's conclude our interview with Daniel Eliot of NIST. [26:10] Daniel introduces the U.S. AI Safety Institute, housed within NIST. It's tasked with advancing the science, practice, and adoption of AI safety across the spectrum of risks, including those to national security, public safety, and individual rights. [26:39] The efforts of the U.S. AI Safety Institute initially focused on the priorities assigned to NIST under President Biden's Executive Order on the Safe, Secure, and Trustworthy Development and Use of Artificial Intelligence. [26:51] On July 26th, 2024, they released resources for a variety of aspects of AI technology. Two are new to the public. The first is an initial public draft of a guidance document intended to help software developers mitigate the risks of generative AI and dual-use foundation models. [27:19] The other is a testing platform intended to help AI system users and developers measure how certain types of attacks can degrade the performance of an AI system. These are two opportunities for the public to provide comments on these publications and tools. [27:49] There is a link to the call for comments in this episode's show notes. [28:03] At NIST, foundational publications go out for public comment. NIST wants to hear from U.S. citizens and people all over the world to get their perspectives on NIST's approach to what they're addressing. This is a community effort. Comment periods are important. [28:37] From Daniel's perspective of small business, he seeks the comments of small businesses on these publications. Authors need to hear from organizations, large and small. [28:53] These two new publications are open for public comment. [28:59] three releases are final publications. One is The AI Risk Management Framework Generative AI Profile, which helps organizations identify unique risks posed by generative AI. It includes actions for generative AI risk management. [29:34] A second publication is the Secure Software Development Practices for Generative AI and Dual Use Foundation Models. It addresses concerns about Generative AI systems being compromised with malicious training data that would adversely affect system performance. [30:16] The third publication is A Plan for Global Engagement on AI Standards. It's intended to drive worldwide development and implementation of AI-related consensus standards. Standards require global input from businesses, governments, non-profits, and academia. [30:57] These three final publications have been informed by public comment periods. They're ready to hit the ground running and people can put them into action. [31:15] Daniel is part of the Applied Cybersecurity Division of NIST. The U.S. AI Safety Institute is a different part of NIST. [31:44] Every once in a while, public comments receive spammy messages. [32:23] Daniel says all cybersecurity and privacy risk management comes back to governance and having policies and procedures in place, knowing your contractual and legal responsibilities. Organizations need policies that guide behavior for the appropriate use of AI in their business. [32:59] Individuals in companies have pasted confidential company information into publicly available AI systems. That creates a vulnerability. Have a policy around the use of these tools. [33:31] Criminals have used AI to upgrade phishing scams, reduce grammatical errors, and craft more convincing appeals. [35:00] NIST is raising awareness of different ways of identifying phishing attacks besides looking for grammatical errors, such as looking at the links and the calls to action and other factors that show it is a phishing scam. AI is contributing to their increasing sophistication. [35:43] Daniel shares his tip for new risk professionals. Familiarize yourselves with the suite of resources that NIST has available for cybersecurity and privacy risk management. They have a broad variety of risk management frameworks and resources, like the Quick Start Guide. [36:42] There are online courses, extensive FAQs with answers, and archived talks from SMEs. Take advantage of these resources. Also, let NIST know what other resources might be helpful to you. The core of NIST guidance for any framework is good governance. [37:21] Understand your mission and requirements. Create and maintain policies for good behavior. Understand your supply chain dependencies and vulnerabilities. Good governance sets your organization up for success when implementing and monitoring risk-mitigating controls. [37:56] NIST offers consistent, clear, concise, and actionable resources to small businesses. Since 2018, they have maintained a website, NIST Small Business Cybersecurity Corner, with over 70 resources on the site, all tailored to small businesses. The Quick Start Guides are there. [38:32] The resources include short videos, tip sheets, case studies, and guidance organized by both topic and industry. All the resources are free and produced by federal agencies, such as NIST, FBI, CISA, as well as nonprofit organizations. It's a one-stop shop for this information. [39:04] The resources are regularly updated and expanded to keep the content fresh and relevant. The resource library has the Cybersecurity Basics Section, with eight basic steps businesses can inexpensively implement to reduce cybersecurity risks. [39:28] The Cybersecurity Framework Page highlights the CSF and small business resources related to the CSF. There is topical guidance on Multi-Factor Authentication, Ransomware, Phishing, Government Contracting Requirements, and Choosing a Vendor or Service Provider. [39:53] All the resources are available at NIST.gov/ITL/SmallBusinessCyber. The link is in this episode's show notes. The resources are there for you to use in your organization. [40:30] Justin says, “It has been such a pleasure to reconnect with you here on RIMScast! I always love it when you post on LinkedIn! I think you're great! You're keeping me informed. Happy National Cybersecurity Awareness Month to you!” [40:55] With developments in tech and AI, cybersecurity has taken a back seat, but Justin says it will come back pretty hard. Justin feels it will be sooner than four-and-a-half years for Daniel to return to RIMScast. [41:23] Whatever new technology comes out, cybercriminals are looking at it to see how they can exploit it. There will always be a cybersecurity component to it. [42:05] Daniel Eliot, thank you so much for rejoining us here on RIMScast! [42:10] Special thanks again to Daniel Eliot of NIST for rejoining us here on RIMScast. Lots of links are in this episode's show notes to aid small enterprise owners and risk professionals. [42:25] These resources are publicly available and complimentary, so by all means, use them and leverage them to ensure your organization's cyber resilience. I've got lots of links in this episode's show notes for more cybersecurity coverage from RIMS, as well. [42:44] It's RIMS plug time! The RIMS App is available to RIMS members exclusively. Go to the App Store and download the RIMS App with all sorts of RIMS resources and coverage. It's different from the RIMS Events App. Everyone loves the RIMS App! [43:18] You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in our show notes. RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [44:02] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [44:20] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [44:36] 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. Justin Smulison is the Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [44:58] Thank you for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe!   Mentioned in this Episode: DFW RIMS 2024 Fall Conference and Spa Event | Sept 19‒20 Chicagoland Risk Forum 2024 — Presented by RIMS Chicago Chapter — Sept. 19, 2024 RIMS Western Regional — Sept 29‒Oct 1, Oregon | Registration is open! RIMS Canada Conference 2024 — Oct. 6‒9 | Registration is open! Spencer Educational Foundation — Funding Their Future Gala 2024 | Sept. 12, 2024 RIMS ERM Conference 2024 will be in Boston, MA Nov. 18‒19 | Register Now RIMS ERM Award of Distinction — Nominations Open Through Aug. 30, 2024! RISKWORLD 2025 will be in Chicago! May 4‒7 Education Content Submissions for RISKWORLD 2025 NIST Risk Management Framework Small Enterprise Quick Start GuideCybersecurity Framework 2.0 Small Business Quick Start Guide NIST Small Business Cybersecurity Corner U.S. Artificial Intelligence Safety Institute New Guidance and Tools to mitigate AI Risks Managing Misuse Risk for Dual-Use Foundation Models Testing How AI System Models Respond to Attacks Users can send feedback to: dioptra@nist.gov RIMS DEI Council RIMS-Certified Risk Management Professional (RIMS-CRMP) RIMS Strategic & Enterprise Risk Center NEW FOR MEMBERS! RIMS Mobile App   RIMS Webinars: How to Successfully Deploy AI in Risk Management | Sponsored by Riskonnect | Aug. 27, 2024 Role of Insurance in Building Resilience Against an Active Assailant Attack | Sponsored by Merrill Herzog | Sept. 5, 2024 HUB Ready for Tomorrow Series: Pivot and Swerve — Staying Agile During Shifting Market Dynamics | Sept. 12, 2024 Leveraging Integrated Risk Management For Strategic Advantage | Sponsored by Origami Risk | Sept. 19, 2024 RIMS.org/Webinars   Upcoming Virtual Workshops: Leveraging Data and Analytics for Continuous Risk Management (Part I) 2024 — Aug 15 See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes: “Daniel Eliot's 2020 RIMScast Debut: Cybersecurity Tips for Small Businesses” “300th Episode Spectacular with RIMS CEO Gary LaBranche” “Mid-Year Risk Update with Morgan O'Rourke and Hilary Tuttle” “Emerging Cyber Trends with Davis Hake” “Cybersecurity Awareness Month with Pamela Hans of Anderson Kill”   Sponsored RIMScast Episodes: “Weathering Today's Property Claims Management Challenges” | Sponsored by AXA XL (New!) “Storm Prep 2024: The Growing Impact of Convective Storms and Hail” | Sponsored by Global Risk Consultants, a TÜV SÜD Company (New!) “Partnering Against Cyberrisk” | Sponsored by AXA XL (New!) “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 “Alliant's P&C Outlook For 2024” | Sponsored by Alliant “Why Subrogation is the New Arbitration” | Sponsored by Fleet Response “Cyclone Season: Proactive Preparation for Loss Minimization” | Sponsored by Prudent Insurance Brokers Ltd. “Subrogation and the Competitive Advantage” | Sponsored by Fleet Response “Cyberrisk Outlook 2023” | Sponsored by Alliant “Chemical Industry: How To Succeed Amid Emerging Risks and a Challenging Market” | Sponsored by TÜV SÜD “Insuring the Future of the Environment” | Sponsored by AXA XL “Insights into the Gig Economy and its Contractors” | Sponsored by Zurich “The Importance of Disaster Planning Relationships” | Sponsored by ServiceMaster   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) RIMS-CRMP Stories — New interviews featuring RIMS Risk Management Honor Roll Inductee Mrunal Pandit!   RIMS Events, Education, and Services: RIMS Risk Maturity Model® RIMS Events App Apple | Google Play   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guests: Daniel Eliot, Lead for Small Business Engagement Small Business Cybersecurity CornerApplied Cybersecurity DivisionNational Institute of Standards and Technology U.S. Department of Commerce Linda Regner Dykeman, HUB International, Chief Marketing Officer for Canada   Tweetables (Edited For Social Media Use): I'm happy to be back at NIST, supporting the small business community. — Daniel Eliot   The industry has been able to produce some very strong profits over the last few years, after many years of unprofitability driven by weather events in the property line. — Linda Regner Dykeman   Follow the seven steps of the framework in order and repeat them in a cycle. Keep going through it. Every organization regularly changes. Technologies change. People change. That's why it has to be repeatable and flexible. — Daniel Eliot   There are phrases and terms associated with the Risk Management Framework that some people who are new to this might not understand. — Daniel Eliot   When talking about small businesses, the owner or operator is the Chief Risk Officer, the Janitor, the CISO, and the Chief Marketing Officer. — Daniel Eliot   An AI system is only as good as the information that's put into it. — Daniel Eliot    

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   Justin Smulison interviews RIMS CEO, Gary Labranche about what's coming up for RIMS, and also Linda Regner Dykeman, the Chief Marketing Officer for Canada at HUB International, about a Webinar she is moderating on September 12th, Pivot and Swerve: Staying Agile During Shifting Market Dynamics. Listen in for details about the webinar.   Justin and Gary discuss the popularity and success of RIMScast, now in its 300th episode, the diversity it represents from the global risk community, and some of the events coming up in RIMS, including the 75th Anniversary Celebration, centered on RISKWORLD 2025 in Chicago. Gary shares his wisdom on trends in risk, what RIMS is promoting in legislation, and how RIMS is growing in influence. Gary introduces the joint production of the Associations' Guide to Risk and Crisis Management toolkit which he coauthored and how it came to be. There is much more to learn from this spectacular 300th episode, so listen in. Key Takeaways: [:01] About RIMS. [:15] About this special episode, Number 300, of RIMScast, coming to you from RIMS Headquarters in New York, featuring RIMS CEO Gary Labranche and a special guest from HUB. [:36] First, let's talk about RIMS Virtual Workshops. The full calendar of virtual workshops is at RIMS.org/VirtualWorkshops. August 15th starts the three-part series, Leveraging Data and Analytics for Continuous Risk Management. Other dates for the Fall and Winter are available on the Virtual Workshops full calendar at RIMS.org/VirtualWorkshops. [1:00] Let's talk about prep courses for the RIMS-CRMP. On September 10th and 11th, the RIMS-CRMP Exam Prep will be held with NAIT. There is another RIMS-CRMP Exam Prep on September 12th and 13th. [1:14] The next RIMS-CRMP-FED Exam Prep course will be hosted along with George Mason University on December 3rd through 5th, 2024. Links to these courses can be found on the Certification Page of RIMS.org and in this episode's show notes. [1:29] We've got the DFW RIMS 2024 Fall Conference and Spa Event happening on September 19th in Irving, Texas. We learned all about it in Episode 299. Be sure to check it out! [1:47] Registration opened for the RIMS Canada Conference 2024 which will be held from October 6th through the 9th in Vancouver. Visit RIMSCanadaConference.ca to register. [1:59] We want you to join us in Boston on November 18th and 19th for the RIMS ERM Conference 2024. The agenda is live. The keynote will be announced soon. We want to see you there! [2:14] The nominations are now open for the RIMS ERM Award of Distinction 2024. Nominations are due August 30th. A link to the nomination is in this episode's show notes. If you or someone you know manages an ERM program that delivers the goods, we want to hear about it. All RIMS regional conference information can be found on the Events page at RIMS.org. [2:49] I'm so excited to share this special 300th episode of RIMScast with you all. There's no better guest for me to bring out than RIMS CEO Gary Labranche! He's a busy man. It's very difficult to book an interview with Gary. It's been about seven months and we finally got him! [3:11] We're going to talk about the trends impacting the risk profession, from active shooter preparedness and flood insurance to third-party litigation funding. We're also going to talk about all the different ways in which RIMS is expanding and partnering with other organizations. We are delighted to share this special 300th episode with you all! [3:39] RIMS CEO Gary Labranche, welcome back to RIMScast! [4:00] Gary says it's great to be back and congratulates Justin on 300 episodes of RIMScast. Gary talks about the effort that goes into each episode of the podcast. Justin notes there have been almost 175,000 unique downloads of the 300 episodes. [5:21] Justin thanks Gary for the kind words. Justin says the podcast is the most rewarding thing he has ever done. It changed the trajectory of his career, it has provided wonderful opportunities and it's a great way for Justin to keep in touch with RIMS members and other risk professionals who have an interest in the podcast. He's always loved it. [5:47] The advice Justin got when launching the podcast was to stick to a frequency. With a very minor exception over the past six years, Justin has stuck to a weekly episode. That, and the support of the RIMScast audience, RIMS leadership, and the many sponsors over the years, have contributed to the success of the podcast. Last week was the first sponsored episode. [6:25] The sponsor, Hillwood, will sponsor another episode in September when Justin is on-site at the DFW RIMS 2024 Fall Conference and Spa Event. [6:38] Gary attributes the success of RIMScast to perseverance, good quality, and great, diverse content with lots of different voices. That's what people appreciate the most. Gary loves it because it shows the scope, breadth, depth, and variations of the global community, with guests from all over the world. [7:07] Having guests from many nations and areas of practice is one of Justin's favorite aspects of the show. [7:42] Gary shares an overview of RIMS since January 2024 when he was last on the show. I February Gary went to Australia to visit with the chapter board there. From there he flew to New Zealand and attended the New Zealand and Pacific Island Chapter's Embrace the Unknown event. Gary recommends visiting both nations. [8:59] Next, Gary went to Singapore and hosted the first RIMS-CRMP Networking Reception in Singapore. It was a good crowd and the first time most of them had met each other. Gary visited two universities that support the RIMS-CRMP by providing the RIMS-CRMP Prep course, which is one reason why RIMS-CRMP is growing so well in Singapore. [10:03] RIMS-CRMP in general is growing like wildfire. The number one country with RIMS-CRMP holders is the United States, and the second is Canada, but close on the heels of Canada is Singapore. There are more RIMS-CRMP applicants from outside of the United States than in the United States. [10:38] Gary enjoyed his international trip. It was an opportunity to develop a better sense of how to serve those communities, internationalize RIMS content, and make the RIMS-CRMP a global standard. It's the only risk management credential accredited to an international standard by ANSI, the credentialing body. [11:43] RIMS just went through the audit to renew that credential. Making it a global standard will require RIMS to continue to develop, evolve, and improve, asking questions, and involving and engaging people from all over the world. [12:16] It's RIMS plug time! Webinars! All RIMS Webinar registration pages are available at RIMS/org/Webinars. Servpro makes its RIMS Webinars debut on August 8th with Hurricane Preparedness in 2024: Innovations and Strategies to Protect Your Organization. On August 27th, Riskonnect returns to discuss How To Successfully Deploy AI in Risk Management. [12:46] On September 12th, HUB International returns to deliver the third part of their Ready for Tomorrow series, Pivot and Swerve: Staying Agile During Shifting Market Dynamics. [13:01] Justin is delighted to be joined by the moderator for that session, the Chief Marketing Officer for Canada at HUB International, Linda Regner Dykeman. Justin welcomes Linda to RIMScast! [13:37] Linda says they will be discussing current market trends and challenges. The industry has been able to produce some very strong profits over the last few years, after many years of unprofitability driven by weather events in the property line where rates seem to be unsustainable. Casualty also had its issues, particularly with Directors and Officers liability. [14:05] As a result of the profitability the industry was able to achieve over the last few years, most carriers have become more competitive, to grow their books of business. This competition is not being seen in all lines, segments, or geographies. Some zones have not seen the same level of competition across the board. [14:29] As markets transition from a hard market to a competitive environment, there is some unusual and inconsistent behavior. Carriers in Canada are being more flexible with their appetite. [14:41] London is looking to grow significantly over the next couple of years with goals of hitting $100 billion by 2025. Add to that NGAs who are seeing their market share change as local carriers become more competitive. [14:56] As we transition out of what was considered a hard market, we see a lot of inconsistency in this market. [15:05] Add to this the supply chain issues, which are not what they once were, the economy is flat with spending, once normalized for increase in population, it reflects that of a market in recession. [15:19] We, as brokers are finding competitive solutions to protect our clients. We have to pivot and swerve to discover the right opportunity. [15:30] We had a significant rain event in Toronto, followed by one of the worst wildfires Jasper has ever seen, seemingly a once-in-a-hundred-year event; weather catastrophes are more severe and more frequent. [15:44] How is this going to change the availability of capacity of pricing? Time will tell, as insurers try to figure out if their pricing models included the right loadings for these events. [16:07] Being informed by what is happening in the market; the trends, the opportunities, what's available, and partnering with the right broker, will help a risk manager make an informed decision, appropriate for their business. [16:28] The panelists have decades of experience and expertise across North America. They work with clients, markets, and other experts and bring a much broader perspective and experience to this session. [16:43] Steve Pottle is the risk manager on the panel. He's been omnipresent in RIMS Canada for years. He's a former RIMS VP and is currently the Director for Risk and Safety Services at Thompson Rivers University. Justin says he's one of the best and Linda agrees. [17:22] Linda will moderate. She'll ask the panelists questions HUB International has received from its clients, based on what they are seeing happening in the environment around them. She would also like the audience to pose some questions. Audience participation is encouraged. [17:38] Justin thanks Linda Regner Dykeman of HUB International, and will see her again on September 12th, 2024 for the third installment of HUB's Ready for Tomorrow series, Pivot and Swerve: Staying Agile During Shifting Market Dynamics. [17:54] Let's return to today's interview with RIMS CEO, Gary Labranche. [18:48] Gary explains the importance of regional conferences. Not everyone can attend RISKWORLD. RIMS serves a large community. People are at different places in their careers with different budgets. [19:09] One of RIMS's goals is to be as accessible as possible in terms of content and the opportunity to engage. They depend on the chapters and groups of chapters to work together and create educational and engagement opportunities. [19:27] The Florida RIMS Educational Conference is a great example of that. It has been going for decades. It's a wonderful, unique RIMS experience put on by the chapters of Florida. The same with the Western Regional Conference, which Gary is looking forward to. [19:47] The Canada Conference has been going on for decades. Chapters like Chicago, DFW, Atlanta, and others do terrific jobs that provide a really accessible opportunity. People can drive from their homes. It's a lower-priced product. It's very grassroots. [20:18] RIMS announced at RISKWORLD that they will be launching a Texas Regional Conference in August 2025. It's a joint venture between RIMS and the four chapters of Texas. Gary is excited about it! [20:44] RIMS continues to look for ways to create more opportunities for engagement, more accessibility of content, and continue to build the brand. [21:03] Justin speaks of the joint effort of ASAE, ASIS International, and RIMS to produce the Associations' Guide to Risk and Crisis Management toolkit. This was somewhat inspired by the active shooter incident when RIMS RISKWORLD was in Atlanta in 2023. [21:52] Gary describes the event. On the last afternoon of RISKWORLD, there was a mass shooting in midtown Atlanta. Five people were shot; one person was killed. The gunman was at large. Because of the shooting, RIMS canceled the closing session and the evening party. [23:25] RIMS implemented its crisis response plan and learned a lot from doing so. Afterward, RIMS did a complete After Action Analysis. They started thinking through the implications of mass shootings on the entire convention industry. [23:56] Hundreds of thousands of people attend association-sponsored events every year. Gary has run hundreds of conventions, including the convention for the convention industry. Large gatherings are opportunities for violence. We need to take that responsibility more seriously. [24:32] Associations like RIMS have the great privilege of being able to convene people together with the reciprocal responsibility to care for, protect, and secure the convened. RIMS joined with two other organizations to create a risk and crisis management toolkit for conferences. [25:03] Gary explains how RIMs worked with ASIS, a group focused on corporate security, and ASAE, the American Society of Association Executives to produce the toolkit. AON sponsored the project with ASAE Business Services. [25:26] Gary Labranche was honored to contribute and coauthor the toolkit, with Josh Salter and Stuart Rothlein. He describes the content of the toolkit. ASAE just released it and it is the first risk management toolkit in the association space. [26:38] Associations employ a million people and impact hundreds of millions of people through programs and conferences. Gary is happy that RIMS was able to collaborate in this guide, which is available free. It's dedicated to the entire community and those who attend conferences. [27:13] The guide with be shared with RIMS chapters and groups that put on regional conferences. We collectively have a responsibility to those who trust us to convene them and to keep them safe at conventions. [27:32] The link to the toolkit is in this episode's show notes. Justin encourages you to check it out, after you listen to this full interview with RIMS CEO Gary Labranche! [28:37] Gary explains third-party litigation funding. It is a growing source of concern to all in the risk management community. The concern is that funding could be coming from unidentified sources, including parties hostile to the national security interests of the United States. [30:12] It could be laundered money. We don't know the source of the funds. There have been efforts in some states to get more transparency on the sources of funding and what the intention is behind the funding. [30:48] Justin believes there are plenty of plaintiff's law firms that are fighting against third-party litigation funding to maintain the integrity of their practice areas. RIMS's Public Policy Committee is looking at this funding. [31:21] Gary notes that we are at the end of this session of Congress. No legislation on third-party litigation funding has moved forward. There is an opportunity to build toward legislation, in the next session of Congress. [31:41] There has been some successful legislation passed in some states. The public policy community feels there might be more opportunity to pursue this kind of legislation at the state level. Third-party litigation funding is becoming RIMS's number one public policy issue. [32:16] RIMS is also still focusing and working on flood insurance reauthorization. Gary guesses it will be reauthorized at the 11th-and-a-half hour in a big appropriations omnibus package. [33:24] Third-party litigation funding is here to stay. Gary suggests there is opportunity for RIMS to build a coalition and create funding through the RISK PAC to get allies on both sides of the aisle in both bodies of Congress, for a level playing field and judicial system transparency. [34:19] It's RIMS Plug Time! The Spencer Educational Foundation's goal is to help build a talent pipeline of risk management and insurance professionals. That is achieved, in part, by collaborating with risk management and insurance educators across the U.S. and Canada. [34:36] Whether you want to apply for a grant, participate in the Risk Manager on Campus program, or just learn more about Spencer, visit SpencerEd.org. [34:47] On September 12th, 2024, we look forward to seeing you at the Spencer Funding Their Future Gala at The Cipriani 42nd Street in New York City. Our recent guest from Episode 293, Lilian Vanvieldt-Gray, will be our honoree. [35:04] Lilian is the Executive Vice President and Chief Diversity, Equity, and Inclusion Officer at Alliant Insurance Services and she will be honored for her valuable contributions to supporting the future of risk management and insurance. [35:20] That was a great episode, so after you finish this one, please go back and listen to Episode 293. [35:27] Let's conclude our interview with RIMS CEO, Gary Labranche. [35:54] Gary says 2025 is the 75th anniversary of RIMS. It's a great opportunity to celebrate the past and focus on the future. RIMS is launching a 75th anniversary effort, the highlight of which will be RISKWORLD 2025, in Chicago at McCormack Place. [36:42] We're going into RISKWORLD 2025 with enormous momentum from RISKWORLD 2024. Attendance was up 21% from RISKWORLD 2023. The international headcount grew 35%. The number of countries represented grew by 14%. We're sailing into 2025 with the wind in our sails. [37:25] RISKWORLD takes a lot of effort and many years of preparation. Gary says we're very excited about RISKWORLD 2025. Justin notes that the 75th Anniversary celebration is all year long and RISKWORLD 2025 is one event in the celebration. There will be content along the way. [38:11] RISKWORLD has nine to 11 thousand people attending. It takes a lot of space at a convention center and lots of rooms in hotels around the city. The target time is early May. There is competition for hotels at that time of year. [38:58] As a result, RIMS selects the city more than eight to 10 years in advance. Right now, RIMS is working on RISKWORLD 2034. They have to anticipate the growth of the convention over the decade. Six years in advance, they have a soft contract. [39:51] There aren't that many cities that can host RISKWORLD. It's a math problem of square feet and the number of hotel rooms that can be committed. What's the flight lift into that city? What international flight lift do they have? How many connections? [41:12] Gary shares that there is so much wisdom in the RIMS community. We're in the era of polycrisis. The world is more risk-aware than ever before. We all have a sense of risk being all around us. Never before has risk management been as visible and as valued by organizations. [41:54] Gary states that this is a discipline that makes the world safer, more secure, and more sustainable. Gary talks to students and young professionals about how exciting that is. If you want to make a difference in the world, a way to do that is to be involved in this community. [43:01] Risk management is a job that sees everything, knows everything, and connects to everything in the organization. A risk manager is at the center of the matrix of knowledge. You're in a position to influence and direct the outcomes in many different aspects. [43:38] Risk management is a cool space that will continue to grow in appeal. RIMS's job is to continue to make risk management more attractive and visible to students and early career professionals. Most people come to risk management through insurance and other places. [44:18] RIMS wants to attract and retain the talent we need to ensure the work of risk management well into the future. There will be increasing competition for talent. RIMS needs to be competitive to win the war for talent. [44:48] In the 75th-anniversary efforts, RIMS will ramp up the Foundation for Risk Management, which will help win the competition for talent, increase the inclusivity of the community, advance knowledge and research, and sustain and accelerate the knowledge of the profession. [45:19] This will help ensure the sustainability of the community and the future of risk management. [45:40] Special thanks again to RIMS CEO, Gary Labranche for joining us here on RIMScast! When you see Gary at a RIMS event, by all means, go introduce yourself. He is one of the most personable people that you can meet. He would love to hear from you. [45:58] As we mentioned, Gary contributed to the Associations' Guide to Risk and Crisis Management toolkit, which is available at the link in this episode's show notes. [46:10] It's RIMS plug time! The RIMS App is available to RIMS members exclusively. Go to the App Store and download the RIMS App with all sorts of RIMS resources and coverage. It's different from the RIMS Events App. Everyone loves the RIMS App! [46:44] You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in our show notes. 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. [47:28] 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. [47:46] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [48:02] 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. Justin Smulison is the Business Content Manager at RIMS. You can email Justin at Content@RIMS.org. [48:24] Thank you for your continued support and engagement on social media channels! We appreciate all your kind words. Listen every week! Stay safe!   Mentioned in this Episode: HUB Ready for Tomorrow Series: Pivot and Swerve – Staying Agile During Shifting Market Dynamics | Sept. 12, 2024 DFW RIMS 2024 Fall Conference and Spa Event | Sept. 19‒20 Chicagoland Risk Forum 2024 – Presented by RIMS Chicago Chapter – Sept. 19, 2024 RIMS Canada Conference 2024 – Oct. 6‒9 | Registration is open! Spencer Educational Foundation – Funding Their Future Gala 2024 | Sept. 12, 2024 RIMS ERM Conference 2024 will be in Boston, MA Nov. 18‒19 | Register Now RIMS ERM Award of Distinction – Nominations Open Through Aug. 30, 2024! RISKWORLD 2025 will be in Chicago! May 4‒7 Associations' Guide to Risk and Crisis Management toolkit | Co-Authored by RIMS, ASAE, ASIS International, and Aon RIMS DEI Council RIMS-Certified Risk Management Professional (RIMS-CRMP) RIMS Strategic & Enterprise Risk Center NEW FOR MEMBERS! RIMS Mobile App   RIMS Webinars: Hurricane Preparedness in 2024: Innovations and Strategies | Sponsored by ServPro | Aug. 8, 2024 How to Successfully Deploy AI in Risk Management | Sponsored by Riskonnect | Aug. 27, 2024 HUB Ready for Tomorrow Series: Pivot and Swerve – Staying Agile During Shifting Market Dynamics | Sept. 12, 2024 RIMS.org/Webinars   Upcoming Virtual Workshops: Leveraging Data and Analytics for Continuous Risk Management (Part I) 2024 – Aug 15 See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes: “Bigger Risks with the Texas State Office of Risk Management | Sponsored By Hillwood” “Change Management and Strategy with Jay Kiew, RIMS Canada Conference 2024 Keynote” “Mid-Year Risk Update with Morgan O'Rourke and Hilary Tuttle” “DE&I Initiatives with Spencer 2024 Honoree Lilian Vanvieldt-Gray of Alliant Insurance Services”   Sponsored RIMScast Episodes: “Partnering Against Cyberrisk” | Sponsored by AXA XL (New!) “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 “Alliant's P&C Outlook For 2024” | Sponsored by Alliant “Why Subrogation is the New Arbitration” | Sponsored by Fleet Response “Cyclone Season: Proactive Preparation for Loss Minimization” | Sponsored by Prudent Insurance Brokers Ltd. “Subrogation and the Competitive Advantage” | Sponsored by Fleet Response “Cyberrisk Outlook 2023” | Sponsored by Alliant “Chemical Industry: How To Succeed Amid Emerging Risks and a Challenging Market” | Sponsored by TÜV SÜD “Insuring the Future of the Environment” | Sponsored by AXA XL “Insights into the Gig Economy and its Contractors” | Sponsored by Zurich “The Importance of Disaster Planning Relationships” | Sponsored by ServiceMaster   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) RIMS-CRMP Stories — New interviews featuring RIMS Risk Management Honor Roll Inductee Mrunal Pandit!   RIMS Events, Education, and Services: RIMS Risk Maturity Model® RIMS Events App Apple | Google Play   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guests: Gary Labranche, RIMS CEO Linda Regner Dykeman, HUB International Chief Marketing Officer for Canada   Tweetables (Edited For Social Media Use): RIMScast has perseverance, good quality, and great, diverse content with lots of different voices, which I love because it shows the scope and variation of the global community. You have guests from around the world. It's pretty cool, I have to say. — RIMS CEO Gary Labranche   The industry has been able to produce some very strong profits over the last few years, after many years of unprofitability driven by weather events in the property line. — Linda Regner Dykeman   RIMS-CRMP is growing like wildfire. The number one country with RIMS-CRMP holders is the United States, and the second is Canada, but Singapore is close on the heels of Canada. There are more RIMS-CRMP applicants from outside the U.S. than in the U.S. — RIMS CEO Gary Labranche   If you want to make a difference in the world, a way to do that is to be involved in this community. — RIMS CEO Gary Labranche    

Le 30 août 1979, l'actrice Jean Seberg est portée disparue. Son corps est retrouvé le 8 septembre, enroulé dans une couverture à l'arrière de sa Renault blanche rue du Général-Appert dans le XVIe arrondissement de Paris, près de son domicile. On trouve dans sa main un mot d'adieu adressé à son fils. Le rapport d'autopsie indique qu'elle a succombé à une surdose massive de barbituriques mais aussi d'alcool. Même si l'enquête de police va conclure au suicide, il reste néanmoins de très nombreuses zones d'ombre sur les circonstances de sa mort. Alors, profond désespoir ou crime déguisé en suicide ?

Nijolė Indriūnaitė. „Coliukė“ (Hanso Christiano Anderseno pasakos motyvais). Teksto aut. ir rež. Nijolė Indriūnaitė, g. rež. Sonata Jadevičienė, komp. Faustas Latėnas. Vaidina teatro „Lėlė“ aktoriai: Bronė Braškytė, Dalius Butkus, Lijana Muštašvili, Elvyra Piškinaitė. 2015 m.

We speak with Eddie Robar, the interim city manager at the City of Edmonton, about what he plans to do for the time he'll be in the role.Since recording this episode, the Alberta government reversed its decision to cut its share of funding for low-income transit passes in Edmonton and Calgary following public backlash and discussions with the cities' mayors.Here are the relevant links for this episode:Eddie RobarEddie Robar on LinkedIn2015: Halifax Transit Manager Eddie Robar latest city executive to leave for greener pastures2016: Back on track: Edmonton hires new transit managerNews Release: City Council names Eddie Robar as Interim City ManagerEddie Robar named interim City of Edmonton manager while permanent replacement soughtNew interim Edmonton city manager Eddie Robar focusing on improving work culture after tense labour disputeLow-income transit passAlberta government cuts funding for Edmonton, Calgary low-income transit pass, mayors sayProvince reverses decision to cut funding for low-income bus passes in Calgary and EdmontonRapid fireNews Release: Alberta's vision for passenger railNews Release: New EPark mobile payment in effect todayBrett Kissel curse? Radio host starts petition to stop singer from performing anthem at Oilers playoff gamesSpeaking Municipally LiveMay 30: Speaking Municipally Live: Untangling the housing knotThis episode is brought to you by NAIT. Celebrating the impact of its grads on the community, NAIT announces this year's award recipients who are visionaries, community-builders, trailblazers and more. See their impact at nait.ca/celebrate.Speaking Municipally is produced by Taproot Edmonton, a source of curiosity-driven original stories, curated newsletters on various topics, and locally focused podcasts, all in the service of informing Edmontonians about what is going on in their community. Sign up to get The Pulse, our weekday news briefing. It's free! ★ Support this podcast ★

Today, we're delving into a crucial topic that impacts countless lives: contraceptives. Joining us is Dr. Kaili Hoffart, a dedicated physician and an integral part of our community. Since completing residency in 2014, she serves a diverse patient base with a special focus on women's health and prenatal care. Serving as the physician lead for the CAPE clinic in Edmonton, she is deeply involved in community outreach, collaborating with organizations like ARCH and NAIT. Furthermore, she is a passionate educator and helps shape the future of family medicine through teaching and leadership.

Quand Joséphine Bernard, 27 ans, a été retrouvée morte à l'hiver 2018, pendue dans l'appartement qu'elle occupait dans une petite ville de Seine-et-Marne, l'histoire de sa fin tragique a aussitôt été écrite. Un suicide, sans doute sur fond de désillusion sentimentale. Les enquêteurs sont restés ancrés sur cette certitude, laissant derrière eux un dossier en friche, des investigations inachevées, incomplètes et même douteuses. La famille de Joséphine n'a pas cru une seconde à cette hypothèse. Retrouvez tous les jours en podcast le décryptage d'un faits divers, d'un crime ou d'une énigme judiciaire par Jean-Alphonse Richard, entouré de spécialistes, et de témoins d'affaires criminelles. Ecoutez L'heure du Crime avec Jean-Alphonse Richard du 29 avril 2024

Jordan Richey from NAIT Athletics joins Tom Gazzola and Matthew Iwanyk to talk Ooks, Oilers and more!   The EST Hangout is presented by Whiteclaws Hard Seltzer!

It's YOUR time to #EdUp In this episode, recorded LIVE & in person from the InsightsEDU 2024 conference in Phoenix, AZ YOUR guest is Partha Roy, Market Research Manager, Northern Alberta Institute of Technology (NAIT) YOUR host is Dr. Joe Sallustio Listen in to #EdUp! Thank YOU so much for tuning in. Join us on the next episode for YOUR time to EdUp! Connect with YOUR EdUp Team - Elvin Freytes & Dr. Joe Sallustio ● Join YOUR EdUp community at The EdUp Experience! We make education YOUR business! --- Send in a voice message: https://podcasters.spotify.com/pod/show/edup/message

In episode 104 of The Business Development Podcast, host Kelly Kennedy and guest Connor Nichols share their personal journeys into the world of business development. Both individuals recount how they initially pursued different paths, only to find themselves unexpectedly drawn to business development. They reflect on the emotional and transformative nature of discovering their passion for the field, highlighting the pivotal role of personal connections and influential mentors in shaping their career trajectories. The episode delves into Connor's experiences at NAIT, where he encountered diverse perspectives and honed their communication skills, ultimately leading him to embrace the challenges and opportunities presented by the pandemic.Throughout the episode, Kelly and Connor's parallel narratives underscore the universal themes of self-discovery, adaptation, and the power of mentorship in the business development industry. Their candid reflections offer valuable insights for aspiring professionals and underscore the importance of remaining open to unexpected opportunities and continuously evolving in the dynamic landscape of business development. The episode serves as a testament to the transformative impact of personal connections, resilience, and a willingness to embrace change in pursuing a fulfilling career in the field.Key Takeaways: Sometimes career paths can unexpectedly shift, leading individuals to pursue roles they hadn't initially considered.Personal connections and recommendations can influence career choices, leading individuals to explore new opportunities.College and university experiences can provide valuable exposure to diverse perspectives and help individuals develop adaptability and communication skills.Influential mentors and professors can play a significant role in shaping career aspirations and providing industry insights.Networking and relationship building are crucial components of career success, particularly in fields like marketing and business development.Industry-focused education and practical experiences, such as client presentations and promotional campaigns, can prepare individuals for real-world challenges.The COVID-19 pandemic presented both difficulties and opportunities for personal growth and self-improvement.Independence and adaptability are valuable traits that can help individuals navigate challenging circumstances, such as transitioning to remote learning during the pandemic.Embracing change and finding the positive aspects in difficult situations can lead to personal and professional development.Family influences and early experiences can shape individuals' values and attitudes towards independence and self-reliance.

REDIFF - Le 30 août 1979, l'actrice Jean Seberg est portée disparue. Son corps est retrouvé le 8 septembre, enroulé dans une couverture à l'arrière de sa Renault blanche rue du Général-Appert dans le XVIe arrondissement de Paris, près de son domicile. On trouve dans sa main un mot d'adieu adressé à son fils. Le rapport d'autopsie indique qu'elle a succombé à une surdose massive de barbituriques mais aussi d'alcool. Même si l'enquête de police va conclure au suicide, il reste néanmoins de très nombreuses zones d'ombre sur les circonstances de sa mort. Alors, profond désespoir ou crime déguisé en suicide ? Retrouvez tous les jours en podcast le décryptage d'un faits divers, d'un crime ou d'une énigme judiciaire par Jean-Alphonse Richard, entouré de spécialistes, et de témoins d'affaires criminelles. Ecoutez L'heure du Crime du 27 décembre 2023 avec Jean-Alphonse Richard.

Transforming research ideas into meaningful impact is no small feat. It often requires the knowledge and experience of individuals from across disciplines and institutions. Collaborators, a Microsoft Research Podcast series, explores the relationships—both expected and unexpected—behind the projects, products, and services being pursued and delivered by researchers at Microsoft and the diverse range of people they're teaming up with.In this episode, Dr. Gretchen Huizinga speaks with Cecily Morrison, MBE, a Senior Principal Research Manager at Microsoft Research, and Karolina Pakėnaitė, who also goes by Caroline, a PhD student and member of the citizen design team working with Morrison on the research project Find My Things. An AI phone application designed to help people who are blind or have low vision locate their personal items, Find My Things is an example of a broader research approach known as Teachable AI. Morrison and Pakėnaitė explore the Teachable AI goal of empowering people to make an AI experience work for them. They also discuss how “designing for one” when it comes to inclusive design leads to innovative solutions and what they learned about optimizing these types of systems for real-world use (spoiler: it's not necessarily more or higher-quality data).Learn more:Teachable AI Experiences (Tai X) | Project pageUnderstanding Personalized Accessibility through Teachable AI: Designing and Evaluating Find My Things for People who are Blind or Low Vision | Publication, October 2023Microsoft Inclusive Design | Inclusive design resource centerDeafBlind Everest Project | Karolina (Caroline) Pakėnaitė personal website

Brian and Nait discuss Fall 2023 Real Estate conditions and finding ways to win in this market.

Nait George was a standout guard from Canada who made his way down to the US and made an instant impact at Dream City Christian. The 6'3 guard now looks to do the same thing in the ACC with Georgia Tech. Nait and I got to chop it up and talk about the way he plays, why Georgia Tech was the place for him, and so much more! It's a great new episode that is LIVE on all platforms now! --- Support this podcast: https://podcasters.spotify.com/pod/show/parker-g/support