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Hey ho, welcome to the Publishing Nerd Corner, where we dive into the more technical aspects of authorship.Jess here. I love it when Sarina schools me on all things publishing nerdery, so we decided to make it official and create a whole new series. I have a long list of things I want her to explain for us, so stay tuned for more. In the meantime, our first Nerd Corner chat is a timely episode about the Anthropic case specifically and registering your copyright specifically. We're going to discuss: * The benefits of registering your copyright with the United States Copyright Office. * The possibility of a settlement in the Anthropic lawsuit, and what that could mean for authors.* Why copyright registration will be part of any potential settlement.* How to register your copyright.* Did your publisher fulfill its obligation to register your copyright?For more information about the benefits of copyright registration, see the Copyright Alliance To register your copyright yourself, you'll need Copyright.gov. You will also want to read the Authors Guild post about, “What Authors Need to Know About the Anthropic Settlement”Hit that “play” button and nerd out with us for fifteen minutes! Transcript below!EPISODE 466 - TRANSCRIPTJess LaheyHey, it's Jess Lahey. If you've been listening to the Hashtag AmWriting Podcast for any length of time, you know that, yes, I am a writer, but my true love, my deepest love, is combining writing with speaking. I get to go into schools, into community organizations, into nonprofits, into businesses, and do everything from lunch-and-learns, to community reads, to just teaching about the topics that I'm an expert in. From the topics in The Gift of Failure, engagement, learning, learning in the brain, cognitive development, getting kids motivated, and yes, the topic of over parenting and what that does to kids learning, to topics around The Addiction Inoculation, substance use prevention in kids, and what I've been doing lately that's the most fun for me, frankly, is combining the two topics. It makes the topic of substance use prevention more approachable, less scary when we're talking about it in the context of learning and motivation and self-efficacy and competence and, yes, cognitive development. So if you have any interest in bringing me into your school, to your nonprofit, to your business, I would love to come. You can go to Jessicalahey.com. Look under the menu option “Speaking” and go down to “Speaking Inquiry.” There's also a lot of information on my website about what I do. There's videos there about how I do it. Please feel free to get in touch. And I hope I get to come to your community. If you put in the speaking inquiry that you are a Hashtag AmWriting listener, we can talk about a discount. So that can be one of the bonuses for being a loyal and long-term listener to the Hashtag AmWriting Podcast. Hope to hear from you.Multiple SpeakersIs it recording? Now it's recording. Yay! Go ahead. This is the part where I stare blankly at the microphone. Try to remember what I'm supposed to be doing. All right, let's start over. Awkward pause. I'm going to rustle some papers. Okay. Now, one, two, three.Jess LaheyHey, welcome to the Hashtag AmWriting Podcast. I'm Jess Lahey, your host, along with another host today—this is going to be super fun. We are the podcast about writing: short things, long things, poetry, prose, book proposals, querying agents—we're basically the podcast about getting the work done. I am Jess Lahey. I'm the author of The Gift of Failure and The Addiction Inoculation. And you can find my journalism at The New York Times, The Washington Post, and The Atlantic.Sarina BowenAnd I'm Sarina Bowen, the author of many contemporary novels, and also a council member on The Authors Guild. And it is in that spirit that we are bringing you a special episode today, which we're calling part of our Publishing Nerd Corner segment.Jess LaheyOur favorite stuff.Sarina BowenYeah, so publishing nerd stuff. Here we go, and the topic is pretty timely.Jess LaheyAnd juicy.Sarina BowenAnd juicy. We're talking about why authors copyright their work, what it means, and how it ties into everything going on with the Anthropic lawsuit and potential settlement.Jess LaheySo, backing up, could you tell us a little bit about the Anthropic lawsuit, and sort of what it was about, and why everybody's talking about it right now?Sarina BowenOf course. So, Anthropic is an AI LLM, Large Language Model Company, just like OpenAI is the same as ChatGPT. Anthropic are the people who make Claude, but all the AI big companies are being sued right now, including Meta, including Microsoft, or...Jess LaheyGoogle. Google.Sarina BowenYeah, sorry.Jess LaheyNot Microsoft.Sarina BowenAnd also the new one is there's a new lawsuit against Apple. So, basically, everybody who went out and made a big LLM model using stolen, pirated books and articles downloaded from the Internet is being sued variously by different organizations, and it looks like the Anthropic lawsuit might be resolved first.Jess LaheyOkay, so what are they being sued for?Sarina BowenThey're being sued for a couple of things. First is the wholesale piracy of lots of books downloaded off the internet, and second, for feeding all of those books into their models to teach them how to speak and compose.Jess LaheyA while ago, weren't some—I think some—internal memos around the whole Meta thing where, essentially, they acknowledged how much it would cost to purchase legally all of the things they needed to model, do their large LLMs, and they decided, “Wow, that would be a lot of money.”Sarina BowenRight.Jess Lahey“We'll just steal them.”Sarina BowenWe don't want to deal with copyright. Well, specifically, the most interesting internal memos that we've seen have been involved in the Meta case, which we're not really talking about tonight, but yeah, there are some big smoking guns out there. But I wanted to take this opportunity to talk about the practical nature of copyrighting your work, because there's a potential settlement on the table that's taking shape in terms of how authors will be paid some portion of a $1.5 billion settlement from this Anthropic suit, potentially, and whether or not you have a registered copyright on your book is going to matter. So, first of all, in this case, the judge did rule—well, we wanted him to rule—that using these books to train the model was not a fair use situation.Jess LaheyRight. They were trying to say, “No, no, this is just fair use.”Sarina BowenRight.Jess Lahey“We shouldn't have to pay anybody.”Sarina BowenAnd unfortunately, we don't have a ruling in favor of this concept yet, and The Authors Guild cares very much that it's not fair use and will continue to fight for that. But we instead were ruled in this case something that is actually quite powerful and important to the whole conversation, which is that the judge said that Anthropic downloading all of these titles—these millions of stolen books—from a piracy site was, in fact, illegal and that they are going to have to pay. So the ruling was against them. So now this is a class-action suit, and in a class-action suit, all of the parties in the class—you can opt out if you want to, like if you're an author who would rather sue them individually, you can still do that. But it looks like in defining the class of who is eligible to receive a payout; you're going to have to have a registered copyright. Your copyright will have had to have been registered within five years of publication, and also before they downloaded it.Jess LaheySo, to clarify, some of the questions I've seen floating around on the interwebs are about, “Oh, but there was that big list that was published by The Atlantic.” You could go to The Atlantic and just see, and “oh my gosh, I had six titles that were on that list. Does that mean that I'm going to get money for all of those titles?”Sarina BowenOkay, well, that is a great question. And actually, I need to stipulate real quick that I am not a lawyer.Jess LaheyRight.Sarina BowenYou're a lawyer, and almost certainly I'm going to make an error when I'm speaking on this tonight. I have spent a lot of time listening in meetings about these things, so I feel comfortable enough to discuss it with you tonight. But, um, but I'm going to make a mistake. So you need to check everything...Jess LaheyRight.Sarina Bowen…when you make your own legal decisions. So wait, what was the question?Jess LaheySo the question was about that big list at The Atlantic.Sarina BowenOh yeah!Jess LaheyThat was like, what, 5 million titles or so?Sarina BowenWell, that list was taken from a specific piracy site.Jess LaheyRight.Sarina BowenBut it doesn't know which titles the company actually downloaded, so only the company has that list. So, first of all, that database is sort of handy and interesting, but it is not definitive in terms of this list.Jess LaheySo do not count on looking at that list and saying, “Oh, I have six titles there, maybe I'll get a payout for all six titles.”Sarina BowenRight. So, um, but let's—we really need to talk about copyright registration because there's so much misinformation floating around out there. So it's true that if you sit down right now and write something, you already own the copyright for it. So that's powerful—sort of—right? Um, but the point of registering your copyright—and these benefits are right on the Copyright Alliance website. So we're going to link to the copyright website—but, um, one of the primary reasons why people register is because registration is a necessary prerequisite for bringing, for U.S. copyright owners, to bring a copyright infringement suit in federal court. And of course, this is a federal court action, but also because statutory damages and attorneys' fees can only be sued for if you have a registered copyright. If you just own your copyright without registering it, you can sue for damages. The damages in the copyright suit are pretty hard to prove, or at least quantify. So that is why the statutory part of damages is what is being enacted in this judgment.Jess LaheyBut Sarina, I have a publisher. Didn't my publisher register my copyright for me?Sarina BowenWell, probably. My newer contracts all say the publisher must register them, and as far as I can tell, those newer contracts, the publisher did. So, yay. But I do have an old contract from about 2014 that only says that the publisher may register it. And guess what—they didn't. So, first of all, you need to see—you can go to a different database, which is the U.S. government copyright database—and look yourself up and see if your book is in there. And honestly, if your publisher was supposed to register you, and they didn't, The Authors Guild would really like to hear from you, because they're sort of looking into this. Suddenly, you know, in the last 10 days, there's a bunch of people who are like, “Oh my goodness, hang on, they didn't actually do it.” So that's something to think about, something to look at.Jess LaheyYeah.Sarina BowenMeanwhile, because statutory damages are what is going to be paid by this company, that is why the registration—it's not just to make people mad. It's not just to… it's not a gatekeeping thing. It's a legal issue with the settlement. So if you have not been in the practice of registering your copyrights, it's a pretty darn good idea to do that now. It's a completely online process. The site is quite antiquated and not that much fun to work with, and there are some moments in there when you're like, “I don't understand what's being asked of me.” But it's worth taking the time. It costs, I believe, $65 for a single title. They mail it to you at home, and then you have the certificate forever with your copyright registration number, but it's also kept in that database. You are required to deposit a copy—two copies of… well, a digital copy of your book, or two physical ones, and we usually use digital at this point. But totally worthwhile, and all the people who've been slogging it out on the copyright website up till now are probably feeling pretty good about it.Jess LaheyOkay, so there's been this settlement, and I don't know yet whether or not my book is included in that settlement because Anthropic has not turned over their list yet, but let's say I'm on it. When can I get my sweet, sweet dollars?Sarina BowenWell, right now there is a really important The Authors Guild blog post about what to do, and we will also link to that, and they, in turn, link to—I think it's the lawyer's website with a form, a contact form—saying, yes, you know, please keep me in your thoughts and send me the email so that when the list is really ready, we can find each other.Jess LaheyAnd another plug for why you should be a member of The Authors Guild, if you qualify to be a member of The Authors Guild, is that The Authors Guild made sure that their authors were included in the class action suit.Sarina BowenWell, just that they're going to hand the names.Jess LaheyYes. Exactly.Sarina BowenExcept I actually think that if you have multiple titles, if you have multiple publishers, if you use a pseudonym—there's lots of reasons to go to that lawyer's page and fill it out anyway.Jess LaheyYeah.Sarina BowenSo, I mean, the worst that can happen is that both The Authors Guild and you have turned in your name, and they'll have to sort out some duplicates. But that is not the end of the world. And I went there, and I'm filling it in as well.Jess LaheyThe Authors Guild is a great source of reliable, factual information on what is going on with this suit at the moment.Sarina BowenIt is, and it's not like… I'm very proud of my work on the council, but it's like a couple of meetings a month. But what's really happening is that the people who work at The Authors Guild—it's their job. It's a bunch of lawyers who are very good at copyright law, and they've been working on this, like, you know, without sleeping practically, for like a year and a half. So, you know, all of these suits are what they're focusing on all day long. And they want to make sure that the greatest number of authors receive the compensation that they deserve, and it's basically like their whole entire lives right now.Jess LaheyIt's always cool, actually, as a side note, in the annual meetings—I like to attend the annual meetings virtually—and it's always amazing when they give sort of a download of what's been accomplished by The Authors Guild over the past year. So it amazes me, the advocacy that's going on.Sarina BowenIt's a lot of suing people who aren't working on behalf of authors and against book bans and things like that.Jess LaheyAbsolutely, absolutely. Is there anything else that we need to know that's pressing?Sarina BowenRegister your copyrights, people, let's go.Jess LaheyGo to the show notes. The links will be in the show notes, as Sarina said. Worst case scenario, you go to that lawyer website, law firm website, and you double—you know, you've done it, and so has your publisher. But who cares, whatever, as long as you've done the work. And, in fact, I will, when I write the show notes, be going back and doing the same myself. And you know, this is a moving target. This is not over yet. This is a continuing saga.Sarina BowenRight.Jess LaheyYeah, and it's definitely not like a done deal, like, “Yay, I'm going to be getting a check in the mail next week.”Sarina BowenNo.Jess LaheyThat's not the way...Sarina BowenIt's going to take a long time, but there's going to be more of these suits. So, of course, the best time to register your copyright was five years ago. The second-best time is right now.Jess LaheySo, go do that. You have a to-do list. You have homework. Go do those things. And thank you for explaining that stuff. And thank you also for working with The Authors Guild. Because I know it's a ton of work. Not only is it a ton of work for you, doing the meetings and all that sort of stuff, but it's hard to go online and see on social media so many people misunderstanding either what this case is about, and you do a lot of clarifying, which is very sweet.Sarina BowenOh, thank you. But you know what? It's complicated.Jess LaheyIt is very complicated.Sarina BowenAnd I am not a lawyer, and I put in the time to understand it. But the truth is, it's hard. We're dealing with some really complicated concepts. IP is tricky, and, you know, I learn a little more every year, but it's hard, and if it confuses you, you are forgiven for feeling that way.Jess LaheySo, again, thank you. Go do your copyright thing. Go to the law firm website, go to The Authors Guild website, and just catch up. Catch up on what this is all about. And we will keep you posted in our little nerdy corner here, which I'm really excited about. I have a full page of questions I want to ask Sarina about some of the things that she understands really well about publishing and all of the stuff that goes into it—all these things, especially about independent publishing—that is not a world I'm a part of, but you always seem to have great answers to those questions. So we will be delivering those questions and answers to you in our Nerd Corner. And thank you so much for being with us. And until next week, keep your butt in the chair and your head in the game.NarratorThe Hashtag AmWriting Podcast is produced by Andrew Perella. Our intro music, aptly titled Unemployed Monday, was written and played by Max Cohen. Andrew and Max were paid for their time and their creative output, because everyone deserves to be paid for their work. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit amwriting.substack.com/subscribe

Welcome back to Bank Nerd Corner featuring Kiah Haslett (whose inaugural Fintech Takes Banking newsletter is officially live – subscribe here to stay dangerously informed and entertained). First up: big banks are asking the OCC to write one uniform rulebook that overrides conflicting state rules. We unpack OCC vs the state regulators' group (CSBS), why it's harder to cut a Fed master account off from payment rails, and how crypto-related trust charters and 50-state licenses tangle the map. Next: a fintech fraud story is embedded within the Aspiration x Kawhi Leonard saga. A bankruptcy filing lists an LLC tied to Kawhi getting a reported $24M in cash for little or no work plus $20M in equity, while Clippers owner Steve Ballmer had invested in Aspiration a year earlier (definitely an awkward look under the NBA's salary cap). And since we're already in fraud-land, a quick detour to Lisa Cook: the administration's attempt to remove a Fed governor over alleged mortgage fraud, an FHFA records sweep of old mortgage files, what counts as “cause,” and why markets barely blinked. And finally: hear Kiah ruminate on tokenized deposits (think regular bank dollars recorded on a blockchain). Banks pitch them for big-company payments and shared visibility; Kiah asks if that's better than today's rails or just a faster path for scammers. We separate practical plumbing from analyst bait and who should actually care. Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page.   Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson

Bank Nerd Corner is back with Kiah Haslett returning … not just as co-host, but as an official member of Fintech Takes!  That's right, big news: Bank Nerd Corner will soon be its own podcast feed, with Kiah hosting (and Alex dropping in monthly as a guest).  Kiah's podcast launches this September alongside her new weekly newsletter, Fintech Takes Banking! If you're listening to this episode, you basically asked for it (sign up at fintechtakes.com/banking/newsletter-subscription). Now, onto Bank Nerding!  First up,  the topic that's going to end up on my tombstone when I die: open banking.  We dig into the CFPB's sudden flip on open banking. JPMorgan Chase tried charging for data access, the Bureau hit pause on litigation, and now an accelerated rulemaking process is underway. Will banks get the green light to price data, or did Chase just overplay its hand? Is this the beginning of monopoly pricing in disguise? Next, Kiah schools Alex (and the rest of us) on why crypto firms are suddenly obsessed with national trust charters (what they are, why they matter, and how they could function as narrow banks in disguise). Stablecoin reserves, custody rules, and OCC oversight are all on the table. And finally, the Palmer Luckey-backed digital bank Erebor enters the chat, promising to be the new Silicon Valley Bank for startups, crypto, and defense companies. Their pitch: political connections will fast-track their national bank charter with the OCC. But can political connections really expedite a de novo charter without wrecking regulators' credibility? Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page.   Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson

This week, Cire J of the Second Dynasty stops by to talk POG, Nerd Corner, and the POG Keyphrase, all while constantly laughing. And what an incredible bonus, a second guest interview you don't want to miss.

In this episode of Citizens Climate Radio, we dive into the Inflation Reduction Act (IRA)—the biggest climate legislation in U.S. history—and the urgent effort underway to protect its clean energy tax credits. CCL's Content Marketing Manager Elissa Tennant joins CCL's Research Manager Dana Nuccitelli to break it all down. You'll learn what the IRA funds, how clean energy tax credits work for individuals and businesses, and why these programs are now under threat. Dana also explains the budget reconciliation process, the challenges in Congress, and the surprising level of bipartisan public support for clean energy investment. You'll leave this episode knowing exactly why the IRA matters—and what simple actions you can take to defend it. Featured Guests: Elissa Tennant is CCL's Content Marketing Manager, leading strategy and creation for web, social media, and volunteer resources. Dana Nuccitelli is CCL's Research Manager, an environmental scientist, and an award-winning climate journalist with a background in physics and over a decade of science communication experience. Looking for a full transcript and more, visit www.cclusa.org/radio  Resources Mentioned:

In this episode of Citizens Climate Radio, we dive into the Inflation Reduction Act (IRA)—the biggest climate legislation in U.S. history—and the urgent effort underway to protect its clean energy tax credits. CCL's Content Marketing Manager Elissa Tennant joins CCL's Research Manager Dana Nuccitelli to break it all down. You'll learn what the IRA funds, how clean energy tax credits work for individuals and businesses, and why these programs are now under threat. Dana also explains the budget reconciliation process, the challenges in Congress, and the surprising level of bipartisan public support for clean energy investment. You'll leave this episode knowing exactly why the IRA matters—and what simple actions you can take to defend it. Featured Guests: Elissa Tennant is CCL's Content Marketing Manager, leading strategy and creation for web, social media, and volunteer resources. Dana Nuccitelli is CCL's Research Manager, an environmental scientist, and an award-winning climate journalist with a background in physics and over a decade of science communication experience. Full transcript and more: visit www.cclusa.org/radio Resources Mentioned:

Welcome back to Bank Nerd Corner, featuring yours truly and—plot twist—not Kiah Haslett. Today we're flying without our usual co-pilot, but in her place we've got Jason Henrichs: CEO of Alloy Labs, Breaking Banks host, and longtime Fintech Takes favorite, first time BNC co-host. Jason knows he can't out-nerd Kiah (who among us can?), so instead we're flying full black-box mode: no segments, just rants.  First rant: VCs have no business chasing board seats if they're not ready to govern!  We still don't know what the Synapse board discussed, if anything, as customers lost access to their funds. Then there's Frank, the fintech that sold a fantasy to JPMorgan. The founder's taking the heat (rightfully so), but not a word from the investors who stood to benefit most. Shouldn't they share the blame? How do we build governance into the capital stack…before the next meltdown makes it everyone's problem? Second rant: Financial infrastructure isn't a policy tool, so stop treating it like one!  Credit bureaus are built to assess risk, not engineer outcomes. But during the pandemic, we paused student loan delinquencies, wiped medical debt, and blocked BNPL data to improve scores, which sounds (and is!) very compassionate…but also encouraged lenders to stop trusting the data. It gets worse! The SSA quietly added living immigrants to the Death Master File used to prevent fraud, flagging them as “dead” and freezing them out of the financial system. You want to change immigration law, fine, but weaponizing infrastructure is sabotage! So, how do we restore trust in the rails before we lose it all? Third rant: Everyone cheered deregulation, but no one told the examiners!  Banks are facing some of the harshest exams in years, and it's because the regulators with institutional knowledge are gone. What's left are thinly staffed teams defaulting to “no” because they don't understand “yes.” And fintechs that pursued charters expecting clarity? They're running into delays, confusion, and examiners who just don't understand the model. But for most, the charter hasn't reduced risk…it's just introduced new kinds.  Fourth and final rant: This isn't deregulation; it's deregulation theater!  The CFPB says it won't enforce parts of the payday lending rule…but doesn't repeal it. FHFA reverses housing initiatives by tweet. Executive orders bypass public comment with a shrug: “because I said so.” The result is total ambiguity (good actors stay quiet; bad actors run wild). Uncertainty is the new policy…and it's expensive! Not just for banks and fintechs, but for the trust that holds the whole system together.   Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page.   Follow Jason: LinkedIn: https://www.linkedin.com/in/jasonhenrichs/ Twitter: https://x.com/jasonhenrichs Breaking Banks podcast: https://podcasts.apple.com/us/podcast/breaking-banks/id641357669   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson

This week on Bank Nerd Corner, Kiah and Alex welcome a special guest (arguably the MOST special?), former Acting Comptroller of the Currency, Michael Hsu. Together, they explore the fascinating crossroads where financial tradition, innovation, and regulation collide. From the challenges of de novo bank formation post-Great Recession to the rise of Banking as a Service (BaaS), we unpack the risks and rewards of each path. And we're turning it into a fun,  “Would You Rather” game, tackling burning questions like: Would you rather see a banking system with higher risk tolerance for new bank formations OR fintechs operating through BaaS? Would you prefer robust fintech industry standards OR direct regulatory oversight of fintechs? Can fintech thrive without bank charters? Plus, we tackle the core issue of fintech regulation: should we lean on industry standards, or is direct regulatory oversight the only way to protect consumers and avoid future crises?  Tune in for a thought-provoking “Would you Rather?” roulette and a super fun dive into the future of financial services—straight from one of the industry's key players. Roll the dice, hit the gas, and let's see where the game takes us! Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page. Read more about Michael here: https://www.occ.gov/about/who-we-are/history/previous-comptrollers/previous-acting-comptrollers/bio-michael-hsu.html Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson

Welcome back to Bank Nerd Corner, featuring yours truly and #1 among all bank nerds, Kiah Haslett, Banking and Fintech Editor at Bank Director. By the time you're reading this, we've had ~3 weeks of “fun” updates from the CFPB, and we have a lot to unpack! First up, who actually wants the CFPB gone? Gutting the CFPB won't end consumer protection; it just shifts the burden. Funny how the loudest CFPB critics are the ones who profit most from consumer confusion. Even some bank execs admit the CFPB keeps markets fair. Referees are annoying, but you don't want a game without them. Next, it seems like regulators care again about de novo banks (a topic we touched on 18 months ago but hey, who's counting?). Post-crisis regulations, slow approvals, and a weaker market for bank sales have made starting a new bank a very tough sell. Plus, new banks are facing VC-style growth pressure, often relying on risky funding just to stay afloat. But it's not just community banks pushing for change—fintechs want in, too. So, why are fintechs suddenly advocating for more de novo charters? And did fintech and BaaS make them obsolete by offering a faster, more efficient path to scaling and returns? Switching gears: debanking raises serious questions about how reputation factors into bank risk evaluations. If reputation matters, can't it be weaponized? Crypto wasn't changing the world, but regulators fumbled debanking. Transparency is key—if it's a “no,” just say it, don't dodge FOIA requests. Kiah nails it with this analogy: Crypto is like BaaS. Both used middleware to scale quickly, but while crypto's risks were obvious, BaaS flew under the radar—until Synapse and cease-and-desists made it impossible to ignore. And finally, the unanswerable question of the week: what's FinCEN actually doing? Banks still can't warn each other about fraud. FinCEN hoards data for law enforcement but isn't required to use it. So, what's the point? Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page.   Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson

Hello, and welcome back to Bank Nerd Corner, the first Bank Nerd Corner of 2025. I'm Alex Johnson, joined as always by the brilliant Kiah Haslett, Banking and Fintech Editor at Bank Director.  Here's what we're unpacking this week. First up, the CFPB has sued the biggest names in banking—Bank of America, Wells Fargo, JPMorgan Chase—along with Early Warning Services (EWS), the backbone of Zelle, for allegedly dropping the ball on fraud protections. With over $870M lost to scams since 2017, we're asking: Are banks scapegoats for a bigger mess involving social media and telecoms? Ultimately, how much consumer protection is enough—and who pays the price? Next up, two cases—Loper Bright (aka Loper Bright Enterprises v. Raimondo) and Jarkesy (aka SEC v. Jarkesy)—are shaking up regulatory agencies like the Fed and FDIC. Are we going to see a power shift or a regulatory takedown? If the Fed blinks first, do banks get to rewrite the rules—and does "too big to fail" become DIY? Then there's the disclosure debate. Can companies like Zelle or the FDIC "warn away" liability with fine print? If streamlined experiences make users vulnerable, will regulators demand clearer disclosures? Is it the end of seamless user experience...and trust as we know it? Finally, don't miss our 2025 predictions. Could Capital One acquiring Discover signal a regulatory shift favoring big bank M&A? Will a fintech actually grab a bank charter this year?  Oh hello, New Year; you're going to be wild!

We talk about Content Creation in 2024, Modern Decks we've played, our thoughts on the ban list, what the new modern meta looks like. We also talk about commentary and casting RTS games like StarCraft and Stormgate. What other games we played in 2024. TheRealNanMan https://linktr.ee/TheRealNanMan https://twitter.com/TheRealNanMan https://bsky.app/profile/therealnanman.bsky.social https://Twitch.tv/RealNanMan https://www.youtube.com/NanMan https://www.youtube.com/NanMansNerdCorner https://www.patreon.com/TheRealNanMan Decklists will be available on Moxfiled: https://www.moxfield.com/users/NanMan

Welcome to Bank Nerd Corner! This week, we're making history. Our first-ever returning guest, Julie Hill—now Dean of the University of Wyoming College of Law—is back with Kiah and Alex to tackle a hot topic: reputation risk. Is it the boogeyman of compliance, or a real force shaping banking decisions? Here's the puzzle we're unknotting: • When regulators say "reputation risk," do they mean actual threats to a bank's stability—or is it a way of saying, “Don't do anything dumb”? • Can bad press really sink a bank, or are customers too sticky to care? (Looking at you, Wells Fargo.) • And why is the Supreme Court questioning whether this so-called "risk" even exists? Plus, we explore debanking—the practice where banks cut ties with customers. Is it actually about managing risk or…just controlling the narrative? Join us as we dig into the data, decode the headlines, and ask the uncomfortable questions regulators and banks wish we wouldn't

This is our interview with Kurohitsuki we talk about Content Creation, Creating a safe and inclusive gaming environment, Streaming, Commander and deck building, as well as attending conventions like the behind the scenes of Commander Sealed. TheRealNanMan https://linktr.ee/TheRealNanMan https://twitter.com/TheRealNanMan https://bsky.app/profile/therealnanman.bsky.social https://Twitch.tv/RealNanMan https://www.youtube.com/NanMan https://www.youtube.com/NanMansNerdCorner https://www.patreon.com/TheRealNanMan Our guest MTG NerdGirl https://linktr.ee/Kurohitsuki https://x.com/kurohitsuki https://bsky.app/profile/kurohitsuki.bsky.social https://www.Twitch.tv/Kurohitsuki https://www.youtube.com/@kurohitsuki

Recording the day after the election, vibes are strange, and the future's a question mark—but fintech regulation? Still full steam ahead. This week on Bank Nerd Corner, Kiah and Alex welcome special guest Evan Weinberger, Bloomberg Law's banking and fintech regulatory correspondent, to break down the latest from the CFPB. Together, they dig into comment letters from banks and fintechs alike (Kiah takes the bank letters; Alex, the fintech ones), shedding light on why traditional banks are pushing for tighter fintech regulations as fintechs like Mercury make their case. Both banks and consumer advocates agree that regulators *can* police fintechs under the Bank Service Company Act, but there's a catch: the Act is vague, resources are thin, and regulators are swamped. It's a tug-of-war over control of your deposits.  Not to mention, they tackle recent CFPB orders exposing cracks in fintech-bank partnerships—from Goldman-Apple's costly fumbles to VyStar's tech mess with Nimbus.  And to wrap it up, Kiah, Alex, and Evan play "Bank Nerd Draft," sharing their all-time favorite moments in CFPB history. Ah, fintech regulation—here's lookin' at you, kid. Raising the standard of quality for embedded finance infrastructure, Newline™ by Fifth Third is an API platform that enables enterprises to launch and scale payment, card and deposit products directly with Fifth Third Bank.   Learn more at newline53.com Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page. Follow Evan: LinkedIn: https://www.linkedin.com/in/evan-weinberger-3746aa4/   Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson

This is our interview with MTG NerdGirl we talk about Decked Out, Limited, Commander, Streaming, and attending conventions. We also do battle in Standard on MTG Arena. You can watch the gameplay footage over on youtube. TheRealNanMan https://linktr.ee/TheRealNanMan https://twitter.com/TheRealNanMan https://Twitch.tv/RealNanMan https://www.youtube.com/NanMan https://www.youtube.com/NanMansNerdCorner https://www.patreon.com/TheRealNanMan Our guest MTG NerdGirl https://linktr.ee/mtgnerdgirl https://x.com/MTGNerdGirl https://www.twitch.tv/mtgnerdgirl https://www.youtube.com/c/MTGNerdGirl/videos https://www.youtube.com/@DeckedOutEDH

Welcome back to Bank Nerd Corner, featuring yours truly and #1 among all bank nerds, Kiah Haslett, Banking and Fintech Editor at Bank Director. First up, we're breaking down the FDIC's latest proposed rule, which tightens the screws on custodial accounts. Spoiler alert: Kiah's got some strong opinions on whether smaller banks should be held to different standards in the Banking-as-a-Service (BaaS) space—and trust me, she's not buying it. In BaaS, complexity is part of the deal—size doesn't matter. Just look at SVB's crash when it tried to level up its asset thresholds.  Next, we're diving into the flood of fintech “ecosystem standards” cropping up everywhere. Are these self-policed initiatives legit or just smoke and mirrors?  And don't miss Kiah's spicy rant about Mercury joining the Coalition for Financial Ecosystem Standards (CFES) and claiming they "take compliance seriously." Instead of owning up to their growth obsession, they should be saying, "We messed up, but now we get it—compliance matters!" It's time for fintechs to be accountable for their remediation efforts. Compliance isn't just lip service—step up and pay up. We'll round it off with two burning questions: What exactly qualifies as a “bank service company,” and do fintech innovations like Buy Now, Pay Later (BNPL) and Earned Wage Access (EWA) count as loans?  The answers might surprise you, but one thing's for sure—getting your paycheck faster shouldn't come with a price tag. Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page.   Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson

Welcome back to Bank Nerd Corner, featuring yours truly and the brilliant Kiah Haslett, Banking and Fintech Editor at Bank Director. First up: Kiah breaks down why "FBO" accounts need a rebrand as "Fintech Custody Accounts" (FCA) to better reflect today's BaaS landscape. Could this shift in lingo actually improve transparency in managing fintech partnerships? Next, they dive into the Federal Open Market Committee's looming rate cut decision, the first since 2020. With excitement brewing over potential mortgage rate dips, what will the impact be on commercial real estate and shrinking bank margins? How will the rate cut reshape the lending landscape?  Finally, courtesy of the Synapse-Evolve Case,they dive into the FDIC's new rule on tighter fintech ledger controls—arguably the most exciting regulatory shakeup you didn't know you cared about. Plus, how the OCC's shift toward prioritizing financial health over traditional safety metrics could reshape banking. Are banks ready to monitor financial well-being like doctors track vital signs?  Tune in to find out! 00:01:03: Call FBOs By Their Name: FCAs 00:07:49: Fed Rate Cuts: Central Bank Showdown 00:28:06 The FDIC's New Rule 00:49:04 Why Is The OCC So Focused On Financial Health? Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/ And for more exclusive insider content, don't forget to check out my YouTube page.   Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson

On a Monday Labor Day Drive, Josh tells why none of the power conferences are happy after Week 1 of the college football season, tells why a win against the Saints this week means progress for the Carolina Panthers, App State football coach, Shawn Clark, joins the show to preview the Mountaineers' matchup at Clemson, WD brings people into his world in Nerd Corner, and David Glenn, of the North Carolina Sports Network, joins the show to break down what seems to be the problem with Dabo Swinney and Clemson.

This week on Bank Nerd Corner, special guest and partner at Arnold & Porter, Jim Bergin joins the pod. Having worked for the Federal Reserve for 18 years, Kiah and Alex pry into his legal expertise to get answers to some lingering questions. Jim explains the history and purpose of the Bank Service Company Act, a law enacted in the 1960s in response to the burgeoning technology needs of banks. He explains what the BSCA was originally designed for, and how it has evolved over the decades. Alex, Kiah, and Jim also discuss the recent Supreme Court decision that ended the Chevron deference, as well as a pile of other recent Supreme Court decisions that have the potential to impact banks and fintech companies. Plus, our girl Kiah has some major thoughts when it comes to brokered deposits. We all know that deposits behave differently— so why, in this day and age, is the FDIC still acting like the most important thing it can do is reclassify fintech deposits from non-brokered to brokered? Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/   And for more exclusive insider content, don't forget to check out my YouTube page.   Follow Jim: LinkedIn: https://www.linkedin.com/in/james-bergin-6b6b9b5a/   Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson

In this month's Citizens' Climate Radio episode, host Peterson Toscano and the CCR teams introduce a fresh approach to climate change storytelling by exploring personal stories as metaphors. While these stories are not explicitly about climate change, they reveal truths and perspectives that resonate with our climate work. Join us to discover how personal narratives can enhance and diversify our stories about climate change. You will also learn expert storytelling tips to apply when telling stories about climate change.  For a full transcript and more, visit www.cclusa.org/radio   Using Personal Stories as Metaphors Peterson challenges us to use personal stories, which hold significant meaning and energy for us, as metaphors for climate change. These stories, often about transitions, conflicts, or breakthroughs in our lives, can draw powerful parallels to our climate efforts. You'll hear two compelling stories from the Citizens' Climate Radio team members Erica Valdez and Horace Mo, each reflecting personal growth and resilience. Horace's Story: A Journey of Friendship and Belonging Horace Mo shares his experience of moving from China to the USA as a 16-year-old. Navigating a new culture and language, Horace found support and friendship in his roommate Kai, who helped him overcome language barriers and cultural differences. This story of adaptation and support mirrors the collective effort needed in climate work, emphasizing the importance of community and mutual aid. Horace reflects, "My English ability soared like a rocket with the help of Kai and other students at school. For the first time, I sensed a personal belonging to the school community." Erica's Story: Confronting Hidden Challenges Erica Valdez recounts her high school friend Sophia's (not her real name) struggles with college applications due to her parents' undocumented status. Erica's story highlights the hidden challenges marginalized communities face, drawing a parallel to the often-overlooked impacts of climate change on vulnerable populations. It emphasizes the need for empathy and support in both personal and climate-related contexts. Erica notes, "Witnessing her stress made me ask, how many people are going through something similar?" Making Climate Connections Peterson tells a story about a toxic, abusive relationship and reveals how this personal relationship mirrors society's relationship with fossil fuels. He also encourages listeners to see the climate connections in Horace's and Erica's stories. Both narratives reflect themes of fear, support, and overcoming obstacles—common experiences in the climate movement. We can create more relatable and engaging narratives that resonate with diverse audiences by relating personal stories to climate issues. Peterson emphasizes,  We need stories that reveal the power of climate change solutions. We need stories that unveil the driving force behind our efforts in addressing climate change. We need stories that unveil the driving force behind our efforts in addressing climate change. Stores that unearth how climate change affects some people differently than others. Stories that will inspire us to keep going. Nerd Corner: The Economic Impact of Climate Change In the Nerd Corner, Citizens' Climate Research Coordinator Dana Nuccitelli discusses the economic impacts of climate change. Using lizards as an analogy, Dana explains how extreme weather events and shifting climates can stunt economic growth, emphasizing the urgent need for swift climate action to mitigate these effects. Dana states, "Most economists agree the faster we act on climate change, the better it will be for the economy. That's especially true if we use a market-based solution like putting a price on carbon pollution. That way, we can see the true price of products, including their climate costs, like a chameleon turning off its camouflage." Why Climate? Featuring James Earl Hollywood III In the new segment, Why Climate?, volunteer James Earl Hollywood III shares his motivation for climate action. A father of nine from Maryland, James highlights how environmental degradation disproportionately affects marginalized communities and underscores the importance of inclusive and collaborative climate solutions. James shares, "Climate change is not just an environmental issue; it's a human rights issue that affects every aspect of my life."  About James James Earl Hollywood III is a dedicated husband, father of nine, minister, and author with a profound commitment to social change and community empowerment. Currently pursuing a doctorate in Social Leadership. James combines his extensive academic background—including degrees in Criminology, Public Administration, Communications, and Implementation Science—with his passion for advocacy and leadership. He has been actively involved with organizations such as the Citizens' Climate Lobby, Americans for Prosperity, and various advisory groups, leveraging his expertise to drive meaningful change. Known for his dynamic leadership and ability to inspire others, James continues to make a positive impact through his work, striving to create a better, more equitable future for all. If you want to share with us why you work on climate change, let us know. Contact details below.  Good News: CCL's Successful Climate Conversations Campaign Tamara Staton, CCL's Education and Resilience Coordinator, reports on the success of CCL's recent campaign, which sparked over 27,000 climate conversations across all 50 states. This grassroots effort demonstrates the power of personal engagement in driving climate action and raising awareness. Tamara concludes, "Each conversation is a step towards greater awareness and collective action." Read more about how CCL volunteers are breaking the silence around climate change. Find out about other actions and monthly campaigns by visiting CCLUSA.org/action.   Stay Connected and Share Your Story Peterson invites listeners to share their personal stories and how they connect to climate change. Whether through social media, public speaking, or personal conversations, sharing these narratives can inspire and motivate others in the climate movement. Consider submitting your story to Citizens Climate Radio. See contact details below.  Listener Survey We want to hear your feedback about this episode. Please fill out our short survey.  Join the Conversation Engage with other listeners and share your thoughts on our social media channels. Follow and connect with us on X, Instagram, LinkedIn, Facebook, and TikTok. Tune in next month for more inspiring stories, expert insights, and actionable climate solutions. Together, we can make a difference, one story at a time. We Want to Hear from You Email: radio @ citizensclimate.org Text/Voicemail: 619-512-9646 (+1 if calling from outside the USA.) Shoutouts to the following people and groups for the ways they promote us through social media: On X (FKA Twitter): Michael Cooper, the Arkansas chapter of CCl, Frances Stewart, M.D, Robert D. Evans, Bill Nash, Jane Haigh, 1.5, CCL Alameda, CCL Bellevue, Washington, and Jean Lloyd Larson. On TikTok:  Linda Jay Reed, JackAsh007, Jan Cleveringa, Climate Countdown, The Green Journey, and Dr. Dana R. Fisher.  Next Month Dr. Dana R. Fisher wrote Saving Ourselves: From Climate Shocks to Climate Action. She will tell us about her book and read from it. We will also include students from Bucknell University who created soundscapes of how they feel about climate change. Plus, there are new installments of the CCL Youth Corner, the Resilience Corner, and our latest feature, Why Climate?  Production Team: Written and produced by Peterson Toscano, Horace Mo, Erica Valdez, Dana Nuccitelli, and Tamara Staton. Technical Support: Ricky Bradley and Brett Cease Social Media Assistance: Flannery Winchester Music is provided by epidemicsound.com  

Peterson Toscano and the CCR teams introduce a fresh approach to climate change storytelling by exploring personal stories as metaphors. While these stories are not explicitly about climate change, they reveal truths and perspectives that resonate with our climate work. Join us to discover how personal narratives can enhance and diversify our stories about climate change. You will also learn expert storytelling tips to apply when telling stories about climate change. For complete show notes and transcript, visit www.cclusa.org/radio Using Personal Stories as Metaphors Peterson challenges us to use personal stories, which hold significant meaning and energy for us, as metaphors for climate change. These stories, often about transitions, conflicts, or breakthroughs in our lives, can draw powerful parallels to our climate efforts. You'll hear two compelling stories from the Citizens' Climate Radio team members Erica Valdez and Horace Mo, each reflecting personal growth and resilience. Horace's Story: A Journey of Friendship and Belonging Horace Mo shares his experience of moving from China to the USA as a 16-year-old. Navigating a new culture and language, Horace found support and friendship in his roommate Kai, who helped him overcome language barriers and cultural differences. This story of adaptation and support mirrors the collective effort needed in climate work, emphasizing the importance of community and mutual aid. Horace reflects, "My English ability soared like a rocket with the help of Kai and other students at school. For the first time, I sensed a personal belonging to the school community." Erica's Story: Confronting Hidden Challenges Erica Valdez recounts her high school friend Sophia's (not her real name) struggles with college applications due to her parents' undocumented status. Erica's story highlights the hidden challenges marginalized communities face, drawing a parallel to the often-overlooked impacts of climate change on vulnerable populations. It emphasizes the need for empathy and support in both personal and climate-related contexts. Erica notes, "Witnessing her stress made me ask, how many people are going through something similar?" Making Climate Connections Peterson tells a story about a toxic, abusive relationship and reveals how this personal relationship mirrors society's relationship with fossil fuels. He also encourages listeners to see the climate connections in Horace's and Erica's stories. Both narratives reflect themes of fear, support, and overcoming obstacles—common experiences in the climate movement. We can create more relatable and engaging narratives that resonate with diverse audiences by relating personal stories to climate issues. Peterson emphasizes, We need stories that reveal the power of climate change solutions. We need stories that unveil the driving force behind our efforts in addressing climate change. We need stories that unveil the driving force behind our efforts in addressing climate change. Stores that unearth how climate change affects some people differently than others. Stories that will inspire us to keep going. PLUS the Nerd Corner, a Good News story about over 35,000 climate conversations, and Why Climate? James Earl Hollywood III shares his motivation for climate action. Shoutouts to the following people and groups for the ways they promote us through social media: On X (FKA Twitter): Michael Cooper, the Arkansas chapter of CCl, Frances Stewart, M.D, Robert D. Evans, Bill Nash, Jane Haigh, 1.5, CCL Alameda, CCL Bellevue, Washington, and Jean Lloyd Larson. On TikTok: Linda Jay Reed, JackAsh007, Jan Cleveringa, Climate Countdown, The Green Journey, and Dr. Dana R. Fisher.

What is shadow banking? It sounds nefarious… right? But what does it really mean?  Alex is joined by Kiah Haslett and special guest, Todd Phillips, the assistant professor at the Robinson College of Business at George State University, to break down the topic of shadow banking and to discuss the challenges it poses for bank supervisors, regulators, and consumers alike. They unpack the inherent risks of shadow banking and explore the role shadow banking played in the downfall of Synapse. What weight does the term “FDIC insured” actually hold? And is there a way to prioritize consumer safety when it comes to shadow banking? Then, Alex, Kiah, and Todd also chat about the push-pull dynamics of the regulator/bank relationships and postulate on the correct balance between regulation and innovation. And later, Kiah has a bone to pick with the CFPB, and she's determined to figure out a better way to organize their chore chart.  00:03:10 Who is Christy Goldsmith Romero? 00:08:00 Stabilizing Shadow Banks 00:26:37 Synapse Bankruptcy 00:38:41 Breaking Down Bank Supervision 01:04:59 Go Off, Kiah!   Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/   And for more exclusive insider content, don't forget to check out my YouTube page.   Follow Todd: LinkedIn: https://www.linkedin.com/in/todd-phillips-b1570110/   Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson

On a Tuesday Drive, Josh explains how FSU has tarnished their reputation by suing the ACC and it's starting to show, tells why the first inning is where all the juice will be in the MLB All Star Game, tonight, WD reviews College Football 25 in "Nerd Corner", Josh reacts to the National Anthem disaster at the Home Run Derby, and writer for Panthers.com, Darin Gantt, joins the show to discuss what Julius Peppers has been up to, leading up to being inducted into the Pro Football Hall of Fame.

In this month's Citizens' Climate Radio episode, Rob Hopkins, one of the founders of the Transition Town movement, shows us how playful imagination can lead to real-world solutions, and you will discover how a life-sized whale made of plastic bags brought a community together to pass groundbreaking legislation. Artist Carrie Ziegler shares her extraordinary project that mobilized hundreds of schoolchildren to make a powerful statement about plastic pollution. In the Nerd Corner, Dana Nuccatelli tackles the big question: is a carbon price still effective in a post-Inflation Reduction Act world?  Rob Hopkins, Time Traveler and Creative Climate Change Campaigner Rob Hopkins, co-founder of the Transition Network and Transition Town Totnes, and author of several influential books, including “The Transition Handbook” and “From What Is to What If: Unleashing the Power of Imagination to Create the Future We Want,” believes that playful imagination is crucial for tackling climate change. An Ashoka Fellow with a PhD from the University of Plymouth and two honorary doctorates, Rob encourages communities to adopt sustainable practices that promote self-sufficiency and environmental stewardship. "My work is about finding positive solutions to climate change," says Rob, who also engages in printmaking in his spare time. His approach to climate activism is deeply rooted in the power of imagination, urging people to envision a future where collective action has transformed our world for the better. One of Rob's most innovative techniques involves time travel exercises, where he guides participants to imagine themselves in the year 2030 or beyond, a time shaped by years of dedicated environmental efforts. "I always remind people, ten years is actually a long, long time in terms of things that can happen," he explains. Participants universally envision a cleaner, more content, and more connected world through these exercises. Rob's ability to inspire others by helping them create a "new north star" in their lives, where a low-carbon future feels "delicious and irresistible," makes his perspective both inventive and motivating. As he puts it, "We need to cultivate and nurture in people the most profound longing for a low-carbon future." Rob Hopkins hosts the podcast From What If to What Next, which explores imaginative solutions to some of the world's biggest challenges. You can learn more about Rob, his books, and the Transition Town movement by visiting his website. You can watch the film, Transition 2.0 for free on YouTube. It is “an inspirational immersion in the Transition movement, gathering stories from around the world of ordinary people doing extraordinary things.” Additionally, check out his latest projects, the Ministry of Imagination Manifesto and Field Recordings from the Future. Rob's forthcoming book, “How to Fall in Love with the Future,” is set to be released next year. In November 2022, Rob was honored as an Honorary Citizen of Liège in Belgium. Connect with Rob and explore his innovative approaches to climate activism at robhopkins.net. Collaborative Art Meets Activism: Carrie Ziegler's Whale Project Sparks Change Carrie Ziegler is a collaborative artist based in Olympia, Washington, whose passion lies in creating large-scale art projects that inspire positive change. By working with schools, nonprofits, and local governments, Carrie brings together hundreds, sometimes thousands, of individuals to address environmental and social justice issues through art.  One of her most impactful projects involved creating a life-sized gray whale made entirely of plastic bags and trash, engaging over 900 children and adults. "I decided to do a project around that," she explains, reflecting on her mission to end the use of single-use plastic bags. "We created this whale, this life-sized gray whale out of plastic bags and other trash." This incredible undertaking educated participants about marine biology and plastic pollution and became a powerful symbol in the community, helping to shift public opinion and inspire legislative change. Carrie's work is a testament to the power of art in activism. The whale, modeled after a real whale found with plastic in its stomach, was publicly unveiled at the annual Procession of the Species celebration, where thousands witnessed its impact. "There were actually council members who invited me to bring the whale to their city council meetings," Carrie recounts, highlighting the project's role in successfully implementing plastic bag bans across local jurisdictions. However, her work's true success lies in the personal empowerment it fosters. "There were kids, particularly middle school kids, who talked about how they felt personally responsible for that ban on plastic bags," she shares. Carrie's projects provide participants with a sense of ownership and accomplishment, proving that collaborative art can indeed change the world. Visit Carrie Ziegler's website to learn more about her inspiring projects, read her journal, and watch videos. For images of the whale project and additional information, check out the show notes at cclusa.org/radio.  Take a Meaningful Next Step Each mont, we will suggest meaningful, achievable, and measurable next steps for you to consider. We recognize that action is an antidote to despair. If you are struggling with what you can do, visit our Action Page The Nerd Corner: Carbon Fee & Dividend in a Post-IRA World Dana Nuccitelli, CCL Research Coordinator, explores whether a carbon price remains the best climate policy in a post-Inflation Reduction Act world. "Putting a price on carbon pollution would impact almost every sector of the economy," Dana explains, emphasizing its cost-effective impact on emissions. Visit the Nerd Corner to join the conversation. You can also read some of Dana's articles in The Guardian.  Good News  Citizens' Climate Lobby volunteers nationwide achieved the goal of having over 30,000 climate conversations. By breaking the silence and discussing climate change with friends and family, they made the issue more real and paved the way for action. Listener Survey We want to hear your feedback about this episode. After you listen, feel free to fill in this short survey. Your feedback will help us make new decisions about the show's content, guests, and style. You can fill it out anonymously and answer whichever questions you like. You can also reach us by email: radio @citizensclimatelobby.org  You can hear Citizens' Climate Radio wherever you get podcasts.  We Want to Hear from You Email: radio @ citizensclimate.org Text/Voicemail: 619-512-9646 Special Thanks to the following people and groups for the ways they promote us through social media: Reverend Doctor Jane Ellingwood, James Bradford III, Michael Cooper, Bill Nash, Wharton Sinclair, Sari Fordham, Karina Ramirez 1.5, and CCL Chapters in Arkansas, Boulder, Colorado, San Diego, Alameda, and Silicon Valley North in California Production Team: Written and produced by Peterson Toscano and the CCR team. Technical Support: Horace Mo, Erika Valdez, Ricky Bradley, and Brett Sease. Social Media Assistance: Flannery Winchester. Music is provided by epidemicsound.com Social Media: Follow us on X, Instagram, LinkedIn, Facebook, and TikTok.

In this month's Citizens' Climate Radio episode, Rob Hopkins, one of the founders of the Transition Town movement, shows us how playful imagination can lead to real-world solutions, and you will discover how a life-sized whale made of plastic bags brought a community together to pass groundbreaking legislation. Artist Carrie Ziegler shares her extraordinary project that mobilized hundreds of schoolchildren to make a powerful statement about plastic pollution. In the Nerd Corner, Dana Nuccatelli tackles the big question: is a carbon price still effective in a post-Inflation Reduction Act world? For complete show notes, links, and full transcript, visit www.ccluas.org/radio We Want to Hear from You Email: radio @ citizensclimate.org Text/Voicemail: 619-512-9646 Production Team: Written and produced by Peterson Toscano and the CCR team. Technical Support: Horace Mo, Erika Valdez, Ricky Bradley, and Brett Sease. Social Media Assistance: Flannery Winchester. Music is provided by epidemicsound.com Social Media: Follow us on X, Instagram, LinkedIn, Facebook, and TikTok.

We have a lot of questions when it comes to Fed Master Accounts. And thankfully, Julie Hill, Vice Dean and Alton C. and Cecile Cunningham Craig Professor of Law at the University of Alabama, is here to answer them!  In this special edition of Bank Nerd Corner, Julie helps Alex and Kiah unravel the many legal mysteries of the Federal Reserve's Master Accounts. Julie breaks down the history of the Fed's payment systems and explains how access to those systems (via Master Accounts) impacts banks and fintech companies. How do these “bank accounts for banks” work? Which banks can get them? And what happens if access to them is taken away? Kiah, Alex, and Julie discuss the role of the Fed as a payments facilitator, as opposed to a regulator, and unpack why it's nearly impossible to make money in payments without having a Master Account. And later, they dive into the troubling report of sexual harassment at the FDIC, and spend a few minutes marveling at (and ranting about) where bank routing numbers come from.    00:01:56 - Understanding Federal Reserve Master Accounts 00:14:19 - Credit Union Applies to Serve Cannabis Industry 00:17:22 - Federal Reserve and American Samoa's Money Laundering Dilemma 00:27:57 - Federal Reserve's Transparency on Master Accounts 00:35:07 - Federal Reserve Announces New Supervision Team 00:45:01 - Federal Reserve's Role in Money Laundering 00:51:31 - FDIC Sexual Harassment Review Findings 00:59:46 - Collaborative Structures Improve Aviation Safety 01:02:55 - American Banking Association Still Provides Routing Numbers   TruStage Payment Guard Insurance is a first-of-its-kind insurance solution built for digital lenders, designed to help you attract more borrowers, strengthen your loan portfolio and reduce time spent on collections — all with minimal tech lift needed to go live.   To learn more about Payment Guard Insurance, visit https://www.trustage.com/payment-guard.   Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/   And for more exclusive insider content, don't forget to check out my YouTube page.   Follow Julie:  LinkedIn: https://www.linkedin.com/in/julie-hill-15929821/ Twitter: https://twitter.com/ProfJulieHill   Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson

Welcome to the Escape Pod! This week we journey over to Nive's Nerd Corner and talk with him about all things Lorcana! find Nive: https://twitter.com/Nive_the_Nerd Find more Escape Pod: linktr.ee/escapepodlorcana

America's favorite banking and fintech Editor, Kiah Haslett, drops by to unpack the latest, craziest, and hottest news in the banking world for another round of Bank Nerd Corner with Alex, and this week they're weighing in on whether the fuss about New York Community Bank is warranted, if car dealers are conspiring to increase prices, and the unusual path of Panacea Financial. First up, with New York Community Bank taking on a higher refi risk to have much safer credits, we have to ask — what's got analysts so up in arms? Why is stock price suddenly a proxy for stability for banks in the public market? Then, Alex and Kiah discuss Panacea Financial, a niche neobank focused on serving healthcare professionals, and its recent funding round before diving into the insane growth in car loans. With overly expensive loans being sold at overinflated car prices, is this the perfect storm for delinquency?   Plus, Kiah raises several unanswered questions about the BSCA and its enforcement, highlighting the potential implications for fintech partnerships with banks before going off about why deposits, not stock prices, were the reason behind SVB's failure.   3:28 AOBA Conference Highlights 9:30 New York Community Bank 26:35 Panacea Finacial 38:45 Auto Loan Delinquency on the Rise 51:37 An Unanswerable Question 1:12:10 Go Off, Kiah!   Sign up for Alex's Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/   And for more exclusive insider content, don't forget to check out my YouTube page.   Follow Kiah: LinkedIn: https://www.linkedin.com/in/khaslett/ Twitter: https://twitter.com/khaslett   Follow Alex:  YouTube: https://www.youtube.com/channel/UCJgfH47QEwbQmkQlz1V9rQA/videos LinkedIn: https://www.linkedin.com/in/alexhjohnson Twitter: https://www.twitter.com/AlexH_Johnson

We reflect on Rise of the Floodborn with Nive from Nive's Nerd Corner! Nive creates limited content on YouTube, and his Twitter is a goldmine of limited Lorcana wisdom! Nive defends the Mallet. Jake forsakes Pabby. And Taylor does NOT talk about basketball. Nive's Twitter: https://twitter.com/Nive_the_Nerd Nive's YouTube: https://www.youtube.com/@Nivesnerdcorner Twitter: https://twitter.com/Fortyborn Join the Fortyborn Discord: https://discord.gg/DsbeKc2zsP Subscribe to our YouTube channel here: https://www.youtube.com/channel/UCZRqG_BCdub2jn14AdO_rkg Email us here: fortyborn@gmail.com Join the subreddit conversation over at r/fortyborn!

As we head into 2024, what questions do you have about the clean energy transition? Join superstar researcher Dr. Jesse Jenkins, lead author of the Net Zero America study and Princeton Assistant Professor of Mechanical and Aerospace Engineering, for an Ask Me Anything to present his ground-breaking climate research with Princeton's ZERO lab and field your questions! Dr. Jenkins's work: https://mae.princeton.edu/people/faculty/jenkins   Zero Report: https://netzeroamerica.princeton.edu/the-report  Nerd Corner: http://cclusa.org/nerd-corner 

Join CCL Research Coordinator Dana Nuccitelli for a training that will discuss the latest landmark National Climate Assessment report. This is essentially an America-specific version of the IPCC report, outlining climate trends, impacts, and solutions in each region of the country. Presentation Slides: https://cclusa.org/NCA5-slides  5th National Climate Assessment: https://nca2023.globalchange.gov/    CCL's Nerd Corner: https://cclusa.org/nerd-corner 

Are you bad at Lorcana? Would you like to be good at Lorcana? Then this episode is for you! Jake talks about Constructed. Taylor explains Green Bay fanaticism. And Sky gets involved! Content to help you improve: Nive's Nerd Corner - https://www.youtube.com/@Nivesnerdcorner Podcana - https://www.youtube.com/@podcanapodcast The Lost Boys - https://www.youtube.com/@LostBoysLOR Steadfast - https://www.youtube.com/@ssteadfast QuantumMercury - https://www.youtube.com/@QuantumMercury First to 20 - https://www.youtube.com/@Firstto20 Lorcana Academy - https://www.youtube.com/@LorcanaAcademy Gillygabyte - https://twitter.com/gillygabyte The Forbidden Mountain - https://www.youtube.com/@TheForbiddenMountain TCG Infinite - https://infinite.tcgplayer.com/lorcana Twitter: https://twitter.com/Fortyborn Join the Fortyborn Discord: https://discord.gg/DsbeKc2zsP Subscribe to our YouTube channel here: https://www.youtube.com/channel/UCZRqG_BCdub2jn14AdO_rkg Email us here: fortyborn@gmail.com Join the subreddit conversation over at r/fortyborn!

In this episode host Peterson Toscano guides us through an exploration of the role forests play in addressing the causes and impacts of climate change, both in urban and rural settings. Six guests provide personal narratives, expert insights, and actionable strategies that will inform and inspire climate advocates. This episode also delves into Pennsylvania's rich forest history, from its old-growth forests to modern-day conservation efforts, highlighting the legacy of sustainable stewardship by its original inhabitants. Toscano notes, "PA has a legacy of being one of the more heavily-wooded states in the USA... But If you walk through the over 15 million acres of forests in Pennsylvania, only 1% of that is original old growth forest." This fact highlights the dramatic changes our landscapes have undergone and the need for renewed focus on forest conservation. Creating a Campus Food Forest If you want to make a difference on your own campus or in your community, students at Allegheny college have an answer for you. A Food Forest. Ashlynn Peachey, Nicholas Waddington, and Katie Mallory, students at Allegheny College talk about their pioneering Food Forest project.   Ashlynn Peachey: "It really started when one student years ago came to Allegheny College with a passion for permaculture... We like to look around the college landscape and see, not what it is, but what it can be." That student, Sebastian McRae, helped to found a campus Sustainable Design Team.  Nicholas Waddington, describes their project: "A food forest is a diverse planting... it provides a lot of climate and ecosystem services." He emphasizes the symbiotic relationship between different plant species and their collective role in enhancing ecosystem health. It was at the Northeast Student Farmer Conference held at Penn State University that CCR host, Peterson Toscano attended the students' breakout group about their successes in building campus support for the Food Forest. During the presentation they explain the steps they took to engage stakeholders, to design the Food Forest and to follow through once the project was approved.  Their story is a testament to the power of collaborative efforts and the importance of gaining community support. Nicholas Waddington: "From our combined years of engagement with this project, we've really taken away that climate and campus resilience is hugely community-driven... We're stronger and more productive when we work together." In this episode you will learn about sustainable agriculture and permaculture, (a word Bill Mollison coined,) and how you can replicate their success on your own campus or community. Raising the Awareness of a Healthy Forest Sustainability Legacy and our Responsibility Today Former forester and coal miner, Van Wagner, now teaches Agriculture Science at the Area High School in Danville, Pennsylvania. He is also a singer/songwriter and storyteller. Van Wagner offers a historical perspective, emphasizing the longevity of sustainable practices.  "I laugh when I read in my textbook, and in the textbook it says that the environmental movement began in 1970 with the first Earth Day... That's not when it started. My German ancestors here in the Susquehanna River Valley, they knew about sustainability, you didn't ruin the family farm, you didn't cut all the trees down." -Van Wagner In order to increase efforts to maintain and protect forests in the US Commonwealth of Pennsylvania, Van has committed himself to visiting the highest point in the 67 counties and climbing the tallest tree he can find. Van explains, I'm trying to get the press's attention. And when they stick a microphone in my face, I talk about trees and forestry.” You can follow his progress on the site Van Wagner Highest Climbs. Also, see him climbing in videos on his YouTube channel.  Expanding the Legacy of Tree Growing in Small Country Towns and Big Cities Forests and Climate Change: Urban Renewal and Rural Stewardship Taylor Lightman grew up in the Borough of Lewisburg, Pennsylvania, (population 5232) “a delightfully cozy little town nestled on the banks, the Susquehanna River, one of the oldest river valleys in the world, older than the Nile.” He then went to college in Northfield, Minnesota and then to grad school in Lund, Sweden where he completed a Master's in disaster risk management and climate change adaptation.  Today Taylor is the program Manager for Lewisburg Neighborhoods. He says, “I'm trying to figure out a way to do climate smart neighborhood revitalization. I think there's no better place to do that than in one's hometown” In this episode Taylor talks about the importance of growing trees in towns and cities.  "Trees are doing a lot of things for us. Streets with trees on them, the shops do better...people are driving on streets and roads with trees, they behave less aggressively too."  His insights reveal the extensive benefits of urban trees beyond just environmental impact.  Nerd Corner Dana Nuccitelli considers the question: what are the different ways we would benefit from planting more trees in cities and towns? This question is critical to CCLs healthy forest policy area. In regards to addressing the causes of climate change, Dana says, "Planting more urban trees in the U.S. has the potential to capture up to 100 million tons of carbon dioxide pollution per year."  But wait there's more! Urban tree planting offers multifaceted benefits, enhancing climate resilience, physical and mental health, and fostering active lifestyles and community well-being. And there is important work for us to do. Dana says,   "But while people in communities with more trees live longer, happier, healthier lives on average, America has a tree inequity problem. Communities of color have 33% less tree canopy on average than majority white communities."  To learn more Dana encourages you to visit Check TreeEquityScore.org to see where tree planting would be the most effective in your community to remedy this tree inequity problem.  Check out Dana's recent post about The little-known physical and mental health benefits of urban trees. Keep up to speed with climate science, policy, and economics research by visiting The Nerd Corner website.    Take a Meaningful Next Step Are you someone who wants to see legislation passed to protect, maintain, and promote healthy forests? That is exactly what we are doing through Citizens Climate Lobby. One of the four climate solutions we pursue is healthy forests. We need your voice to be part of the movement that is promoting healthy forests. Here are 10 steps you can take to make to address the causes and impacts of climate change. Ten meaningful steps you can take to promote healthy forests Learn about Citizens Climate Lobby's Healthy Forests Climate Solutions and take the Healthy Forests Beginners or Advanced online training sessions. You can also read and share the article, Why are forests important for mitigating climate change? If you are a college student, visit Citizens Climate Lobby's Higher Education Team's Actions Page. Learn about the College #CarbonFeeAndDividendMovement. Participate in Community Tree Planting Events: Engage in local tree planting initiatives or donate to tree planting efforts. If you live in Pennsylvania, check out 10 Million Trees.  Volunteer for Urban Forestry Projects: Support urban forestry projects in your community. Check out American Forests for volunteer opportunities. Advocate for Tree Equity: Work towards ensuring that all communities, especially underprivileged ones, have equal access to tree canopy benefits. Educate Yourself and Others: Learn more about the benefits of urban trees and share this knowledge. The Arbor Day Foundation provides educational resources. Support Local Sustainability Initiatives at Schools and Universities: Encourage and participate in sustainability projects. Contact local educational institutions to find out how you can help. Engage in Community Science Projects: Participate in local environmental monitoring and research. Platforms like iNaturalist offer opportunities for citizen science. Promote and Support Local Green Spaces: Advocate for the maintenance and development of green spaces in urban areas. Collaborate with local parks departments or environmental groups. Implement Permaculture Practices in Your Community: Start or join a permaculture project to promote sustainable land use. Resources and guides are available at Permaculture Research Institute. Listener Survey We want to hear your feedback about this episode. After you listen, feel free to fill in this short survey. Your feedback will help us as we make new decisions about the content, guests, and style of the show. You can fill it out anonymously and answer whichever questions you like.  You can hear Citizens' Climate Radio on: iTunes Spotify SoundCloud Podbean Stitcher Radio Northern Spirit Radio PlayerFM TuneIn Radio Also, feel free to connect with other listeners, suggest program ideas, and respond to programs in the Citizens' Climate Radio Facebook group or on Twitter at @CitizensCRadio.  

In episode 88 of Citizens Climate Radio, we dive into the passion and action of young climate activists, exploring their journeys from concern to meaningful action. Host, Peterson Toscano leads the conversation, spotlighting the endeavors of students like Emily O'Keefe and Helen Tiffin in fostering awareness about climate change and feasible solutions, focusing particularly on the carbon fee and dividend policy. See full show notes and transcript at CCLUSA.org/radio From Concern to Action Emily O'Keefe, a student at the College of William and Mary, candidly shared her progression from a state of existential concern about climate change to actively seeking out impactful solutions. Emily's journey started with a realization about the importance of sustainable living and protecting the environment. This ultimately led her to a gap year where she could detach and reconnect with nature by hiking the Appalachian Trail. "I want to do something really big about climate change. And I'm just trying to figure out how can I do that?" - Emily O'Keefe Evolving Ideas & Shared Enthusiasm Emily's initial idea to start a social movement was supported and molded by her friends, like Helen Tiffin. They delved deep into discussions about the nature of the movement and the message it should convey. Eventually, she was introduced to the carbon fee and dividend policy by a friend, Philip Ignatov. This policy became the focal point of their movement due to its effectiveness and tangible impact. Helen Tiffin supported Emily's enthusiasm, remarking on the nonpartisan nature and wide appeal of the carbon fee and dividend idea, noting, “It really is something that we can all agree upon.” Carbon Fee & Dividend – An Equitable Solution The carbon fee and dividend policy essentially imposes a fee on corporations extracting fossil fuels, making fossil fuel-intensive products more expensive and thereby encouraging consumers to opt for more sustainable alternatives. Importantly, the policy also includes an equitable dividend system where the revenue from the fees is distributed equally among Americans. "So that actually makes it so that the majority of Americans, around two-thirds, will actually break even or profit from the money coming back to them in this cashback form, than they have to pay in increased prices." - Emily O'Keefe Building a Movement Emily, Helen, and their friends engaged in creating signs which read Most Effective Climate Policy #carbonfeeanddividend bit.ly/writecongresshere They raised awareness on their campus, and beyond and fostered a ‘snowball effect', enabling more and more students and people to recognize and understand the carbon fee and dividend policy, spreading across multiple universities and leveraging online platforms like Instagram for greater reach. Their campaign also linked to direct actions, creating templates for people to write to Congress and advocate for the policy. “It is all about spreading that awareness and education and whatever form it presents itself,” Helen stated. Sustaining Impact & Longevity The Carbon Fee and Dividend Movement initiated by Emily and her friends has found a stable home base within the Citizens Climate Lobby's Higher Education Team, ensuring the sustainability and longevity of their efforts. "We are going to be partnered with Friday's For Future in advocating for this...This will bring a lot of power to the movement." - Emily O'Keefe Emphasizing the nonpartisan and optimistic values of the Citizens Climate Lobby, Emily believes in the importance of embodying these values for the successful advancement of the movement. They continue to use platforms like Slack to coordinate efforts across various chapters and provide resources to aid climate work. Follow the Climate Fee and Dividend Movement on Instagram and visit their website.  Takeaways This episode sheds light on the relentless spirit of young activists, their journey of transforming concern into impactful action, and the communal spirit that propels the movement forward. Their dedication to spreading awareness about the carbon fee and dividend as an effective and equitable solution is not just inspiring but is paving the way for a more informed and resilient climate movement. Take a Meaningful Next Step Each month we will suggest meaningful, achievable, and measurable next steps for you to consider. We recognize that action is an antidote to despair. If you are struggling with what you can do, consider one of the following next steps.  Visit our Climate Change Action Page. Each month we provide you with steps you can take to engage with your lawmakers and to spread the word about climate solutions.  If you are on a college campus, get involved with the Climate Fee and Dividend Movement. From making a sign to starting a chapter, there is a lot you can do.  If you are connected to a primary, middle, or high school, find out how you can electrify your school buses.  Learn more about the recently introduced Energy Innovation and Carbon Dividend Act.  Resilience Corner Tamara Staton, CCL's Education and Resilience Coordinator, recently introduced a new series, “Resilient Climateteering through Crazy Climate Connections,” focusing on actionable insights related to climate awareness and playful curiosity. In this installment Tamara illustrates a parallel between the mental and physical benefits of high-intensity exercises like burpees and the sense of hope derived from proactive climate actions. This connection emphasizes the importance of maintaining a balance between mental stimulation and actionable insight to foster hope and resilience against the adverse effects of climate change. Get more tips and resources by visiting The Resiliency Hub.  New CCR Team Members! Citizens Climate Radio is welcoming three new team members, Lily Russian, Horace, and Karina Taylee, who will be regular voices on the platform. Lily is a political science major and environmental science minor at Trinity College, whose passion for the environment was ignited by her experience at the Island School, a program focused on sustainability and marine biology. She enjoys playing the ukulele and emphasizes intentional living for a sustainable future. Horace, a recent graduate from the University of Michigan and an environmental specialist, has had a lifelong connection to nature, instilled by his family's trips immersed in the natural beauty of his hometown in Chongqing, China. He is dedicated to promoting sustainability and addressing climate change to preserve the environment for future generations. You will meet the third new member, Karina Taylee, next month. Good News  Shelterwood Collective, a non-profit focusing on communal healing and ecosystem restoration on 900 acres in Northern California, is the focus of this month's Good News Story. CCR team member Lila Powell researched, wrote, and recorded the story about the indigenous, black, and queer-led group that uses Kashia and southern Pomo traditions in forest restoration, involving controlled burns and invasive species removal. In 2022, they received a $4.5 million grant to enhance their restoration efforts. The collective also uses art, focusing on interconnected ecosystems, to inspire community involvement and is developing a center to foster environmental relationships and inclusivity.  If you're looking for more good news and you want to connect with other climate advocates who refuse to give up, then check out Grassroots Rising Leveling up in the Climate Fight. This is CCLs fall virtual conference November 4 and 5, 2023. You will hear speakers like CNN correspondent and author Van Jones. Plus there's a special plenary presentation by our very own Dana Nuccitelli, host of the Nerd Corner. For more information and free registration, visit the Grassroots Rising Leveling up in the Climate Fight webpage.   Listener Survey We want to hear your feedback about this episode. After you listen, feel free to fill in this short survey. Your feedback will help us as we make new decisions about the content, guests, and style of the show. You can fill it out anonymously and answer whichever questions you like.

Connor and Josh pour over stop rate for Nebraska's defense and success rate for Nebraska's offense.

In this month's episode of Citizens' Climate Radio, Eric Dean Wilson fills us in on the not-so-cool history of air conditioning and its complicated relationship to climate change. He is the author of After Cooling: On Freon, Global Warming, and the Terrible Cost of Comfort. Lila Powell and Ruth Abraham join Peterson Toscano in hosting this deep dive into air conditioning's past, present, and future.  (For complete show notes and transcript visit our show page) Eric walks us through the creation and history of AC. Despite what all of us at CCR thought, AC was not first used for human comfort or health. Eric says, it was about money. From movie theaters to segregation to a mad scientist, the history of AC covers it all. Join us to learn about how AC got its start in the world of finance and how racism keeps exposing some people in American cities to more heat than others.  Air conditioning contributes directly to the warming of the planet, and its impact is nothing if not ironic. AC typically runs on electricity that's generated by fossil fuels and the more AC units run, the more greenhouse gas emissions increase! Despite these climate effects, the US tends to hold AC up as the only option for staying cool, which Eric Dean Wilson refers to as the “cost of comfort”.  Eric says, “The United States is in the habit of criticizing those nations who were asking for the same comforts that we have, even though we're not doing hardly anything”  So, what can we do? Eric helps us see a future that does not rely on air conditioning for our comfort. Much like Sean Dague did in Episode 80: Unleashing Our Imaginations for Climate Change Solutions! Tune in and you will hear Peterson and Ruth's suggestions for some Meaningful Next Steps.  “One of the things I call for in the book is rather than focusing on individual comfort and individual survival, to really try to rethink our notion of comfort, and think about collective comfort and collective survival, community survival.” - Eric Dean Wilson Eric Dean Wilson's essays, poems, and criticism have appeared in Time, Esquire, the Baffler, the Los Angeles Review of Books, and Tin House, among other publications. A graduate of The New School's MFA program in creative writing, Wilson has just defended his doctoral dissertation in the English program at The Graduate Center, CUNY, which focuses on the tension between the personal and the planetal in ecological essays. In the fall, he'll join the faculty at Wagner College on Staten Island as Assistant Professor of Creative Writing and American Literature. Originally from Memphis, Tennessee, he now lives in Flatbush, Brooklyn. Take a Meaningful Next Step Each month we will suggest meaningful, achievable, and measurable next steps for you to consider. We recognize that action is an antidote to despair. If you are struggling with what you can do, consider one of the following next steps.  Ruth Abraham's suggestion: Shade helps cool the air without having to use air conditioning. Manifest the power of shade by making your space green! You can get houseplants that release extra moisture into your rooms. Some species include spider plants, jade, Boston ferns, and peace lilies. The plants help clean the air as well as cool things down. To take things a step further: If you have a yard or green space on the sidewalk, see about planting a tree that provides cooling shade, you may need to connect with your municipality, if that green space is part of a sidewalk. Get your neighborhood involved if need be. It's these collective small steps that bring us closer to climate solutions!  Peterson Toscano's suggestion: Consider a large building where you spend lots of time. It might be your school or where you work, shop or workout. In the summer these spaces can have the air conditioning pumping so high it feels good when you come in from the heat, but after 20 minutes, people start freezing. This uses a lot of unnecessary energy. How about you begin a campaign to have the building operators increase the temperature by one or two degrees? In other words, lower the intensity of the air conditioning. Do a little research about who makes these decisions. Find out who else shares your concern, maybe even figure out a cost analysis of how the building operators will save money by decreasing the amount of AC in the summer. Then use your volunteer lobbying skills to advocate for this change. Dig Deeper Eric Dean Wilson finds the work of US environmental historian William Cronon inspiring—and a much needed warning against romanticizing "nature." His 1995 essay "The Trouble with Wilderness" has only grown more relevant since its publication. His website is a generous collection of notes and resources from courses he's taught.  Other suggestions from Eric: Alex Johnson's "How to Queer Ecology: One Goose at a Time" My favorite eco-feminist philosopher is the late Val Plumwood, who was once nearly killed by a crocodile. I would recommend checking out from the library her book Environmental Culture: The Ecological Crisis of Reason I firmly believe part of our deeply entrenched dilemma is that we're stuck in a classically liberal sense of ourselves that's driving the ecological crisis. I don't think the liberal politics of the Democratic party come even close to helping us imagine a way through this. Americans in particular are obsessed with work, and academic Cara New Daggett has been critiquing this contemporary liberal economic and political framework through a deep historical and cultural dive of energy in The Birth of Energy. I find the conclusion one of the most inspiring texts I've read recently. Marxist geographer Matthew T. Huber's new book Climate Change as Class War as well as his earlier book Lifeblood: Oil, Freedom, and the Forces of Capital help to ground an activist agenda in material terms. The work of Olúfẹ́mi O. Táíwò is absolutely essential, particularly his argument that we need a climate reparations. He's also an excellent follow on Twitter. Also: Check out these houseplants to combat dry air in your home Interested in a self-sustainable home? Check out Earthships!  Learn more about how you can promote healthy forest for a healthy climate.  Nerd Corner In this episode, we premiere a new section in our podcast- The Nerd Corner! Citizen Climates Research Coordinator, Dana Nuccitelli, fills us in on the environmental impacts of renewable energy. Dana highlights climate research (and makes it understandable) for fellow nerds and the nerd curious! Check out Dana's recent post about The little-known physical and mental health benefits of urban trees.  Good News  CCR's very own intern, Ruth Abraham, shares her experience attending the CCL Southeast Regional Conference. The conference took place at the Kendeda Building for Innovative Sustainable Design on Georgia Tech's campus. It was the 28th building to receive a Living Building Certification. She heard from various climate continuous figures such as Georgia Senator, Raphael Warnock, and Atlanta's Chief Sustainability Officer, Candra Farley. Ruth even joined a book club!  If you couldn't make it to CCL's Southeast Regional Conference, don't worry! The Citizens Climate International Conference and Lobby Day will be held June 10-13 in Washington, DC.     Podbean Photo by Dziana Hasanbekava

In this month's episode of Citizens' Climate Radio, Eric Dean Wilson fills us in on the not-so-cool history of air conditioning and its complicated relationship to climate change. He is the author of After Cooling: On Freon, Global Warming, and the Terrible Cost of Comfort. Lila Powell and Ruth Abraham join Peterson Toscano in hosting this deep dive into air conditioning's past, present, and future. Eric walks us through the creation and history of AC. Despite what all of us at CCR thought, AC was not first used for human comfort or health. Eric says, it was about money. From movie theaters to segregation to a mad scientist, the history of AC covers it all. Join us to learn about how AC got its start in the world of finance and how racism keeps exposing some people in American cities to more heat than others. Nerd Corner In this episode, we premiere a new section in our podcast- The Nerd Corner! Citizen Climates Research Coordinator, Dana Nuccitelli, fills us in on the environmental impacts of renewable energy. Dana highlights climate research (and makes it understandable) for fellow nerds and the nerd curious! Check out Dana's recent post about The little-known physical and mental health benefits of urban trees. Good News CCR's very own intern, Ruth Abraham, shares her experience attending the CCL Southeast Regional Conference. The conference took place at the Kendeda Building for Innovative Sustainable Design on Georgia Tech's campus. It was the 28th building to receive a Living Building Certification. She heard from various climate continuous figures such as Georgia Senator, Raphael Warnock, and Atlanta's Chief Sustainability Officer, Candra Farley. Ruth even joined a book club!

Join special guest Nive from Nive's Nerd Corner, as he joins JediGeekGirl to talk about Scar, Aladdin, Healing Glow, The Wardrobe, White Rabbit's Pocket Watch, Magic Mirror. and much much more Where you can find our guest: Twitter: twitter.com/Nive341 Youtube: https://www.youtube.com/channel/UC5wckvm1eMKZKlrV4QMaTPw Where you can find I Rebel & JediGeekGirl: I Rebel's Facebook Page – http://facebook.com/IRebelDestiny I […]

Welcome to our first Nerd Corner episode. These are the episodes where we discuss the latest news from the geekdom, as well as highlights or disappointments in the daily life of two nerds. In this week's episode we discuss James Gunn's DCU plans, disappointments from the BAFTAs as well as a run down on the recent State of Play presentation. You can find us on the following social media platforms for more. Please leave us a review and rating if you like what you hear! Twitter: @NerdAlternative Instagram: @TheNerdAlternative Tiktok: @thenerdalternative Music by Anno Domini Beats

Utterly Useless is three Brothers-ish, talking random stuff, mainly movie/TV/trivia, attempting to make each other laugh or get a really-really uncomfortable, and answer life's most pointless questions. This Podcast's Bookmarks Welcome & Introductory Quote - 00:00:00 Weekly Earned Merit Badges - 00:03:54 Spin-the-Wheel - 00:16:46 ChatGPT Describes Movie - 00:38:18 Drafting Bugs for Super Powers - 00:48:26 One Good Recommendation & Marvel Movies - 01:17:10    

Welcome to LorcanaCast, your Premiere Disney Lorcana Podcast! Happy New Year Illumineers, and welcome to 2023! This week we assemble the whole team to discuss the OFFICIAL news and card spoilers from the Disney Lorcana social media team. Over the last few weeks, we had the cards Dragon Fire and Olaf, Friendly Snowman revealed on social media. We also had news from Nive's Nerd Corner about deck-building rules regarding the number of inks (colors) allowed in a deck. We hope you enjoy a jam-packed episode as we kick off 2023, the year of Lorcana! If you enjoy LorcanaCast, would you mind doing us a favor? Please like and subscribe to the podcast! Please leave us a review and let other listeners know what you enjoy about the show. It helps grow the community and only takes a few seconds. Thank you for all your support! We greatly appreciate everyone who listens to the podcast. Check out the Ink news from Nive's Nerd Corner - https://youtu.be/hdElMTYf-8s Join The LorcanaCast: Twitter - https://twitter.com/LorcanaCast Facebook - https://www.facebook.com/lorcanacast/ Lorcana HQ - https://lorcanahq.com/

Have a question about climate science in general? Join Dr. Deepti Singh, Assistant Professor, School of the Environment, Washington State University Vancouver, and Dana Nuccitelli, CCL Research Coordinator and leader of Science Policy Network for CCL's quarterly Ask Me Anything with some of the most well-respected climate scientists in the country! Skip ahead to the following section(s): (0:00) Intro & Agenda (1:33) Dr. Singh's Presentation (32:54) AMA Questions Dr. Singh's Website: https://deeptis47.github.io/  CCL's Nerd Corner: https://cclusa.org/nerd-corner  CCL Community Climate Science Basics Training Page: https://community.citizensclimate.org/topics/climate-change-science/basics 

ALEXIS AND I HAVE BEEN WAITING TO PLAY SAINTS ROW AND WE LOVE IT! IT WAS SUCH A WELL THOUGHT OUT REVAMP OF A CLASSIC! THE REVIEWS BY THE CRITICS HAVENT BEEN FAVORABLE BUT WE DISAGREE WHOLEHEARTEDLY! --- Send in a voice message: https://anchor.fm/down-4-the-count/message

When it came to US climate policy, as a high school student, Adrian Rafizadeh strongly opposed one of the first major attempts by the Democrats. The Green New Deal was introduced in 2019 spearheaded by the progressive US member of Congress Alexandria Ocasio-Cortez, or AOC. The Green New Deal on the table got a lot of Conservatives thinking, talking, and writing about climate change, including Adrian. While writing a paper for a class, Adrian sought to debunk the Green New Deal. In doing so, Adrian suddenly saw the issue of climate change differently. He recognized the seriousness of the problem the USA and the world face, and he decided he needed to do something about it. That set Adrian on a quest to find a way to address climate change that also fits into his world view and politics. Adrian politically leans right, and he is a member of the Republican party. Adrian, a child of Iranian immigrants, shares his climate journey with us. He reveals how he found his way into a climate organization, and he tells what Progressives who want to engage Conservatives in climate conversations can do to open up a dialogue. He talks about one of his favorite climate solutions, carbon fee and dividend. If you want to hear more conservatives talking about climate, check out RepublicEN's EcoRight Speaks Podcast. The Art House Randi Hacker is the author of the children's book, Life on a Different Planet, A Climate Crisis Handbook. The book opens with words in large bold letters that spell out, Welcome to the End of the World. Turn the page to see someone edited the sign to say, Welcome to Beginning of the New World. Since the early 1990s, Randi has published books and magazines designed to help young people learn about environmental issues and climate change. In the Art House she explains how with all her work she seeks to be honest with young people about the problems we face while also giving them ideas for concrete actions they can take. Life on a Different Planet, A Climate Crisis Handbook is full of original art work by Ron Barrett, the artist who illustrated the award winning book, Cloudy with a Chance of Meatballs. The illustrations bring a sense of whimsy and playfulness to book while also helping readers come close to hard realities. https://www.homeplanetbooks.com/life-on-a-different-planet Other Resources for Children and Parents Citizens' Climate Education Presents Climate Classroom! This is a flexible, multi-disciplinary middle school curriculum. http://cclusa.org/curriculum What Do We Tell the Children? Episode four of Climate Changed featuring Pacific Islander poet Craig Santos Perez. Ben Yosua Davis chats with P Craig about parenting in a climate changed world. https://thebtscenter.org/climate-changed/podcast-season-one-episode-3/ Transcript of show: https://mcdn.podbean.com/mf/web/fdimb3/CCR_75_Adrian_Rafizadeh--Young_Conservative_Pursuing_Climate_Solutionsa6m8a.pdf Good News Report We have two Good News Reports. Nate Abercrombie, Conservative Outreach Coordinator for Citizens Climate Lobby, shares recent successes from CCL's Conservative Caucus. https://citizensclimatelobby.org/conservatives-on-climate-change/ Dana Nuccitelli, a Research Coordinator at CCL Tells us about a very big piece of legislation. The Inflation Reduction Bill passed in both houses of congress. Dana tells us why this bill is so good for the climate. He also talks about possible next steps. To read more about the bill and to read more of Dana's analysis, check out The Nerd Corner. https://community.citizensclimate.org/groups/home/1773

Adrian Rafizadeh is motivated to connect with fellow young conservatives about climate change. “Polling from Frank Luntz found that 75% of Republicans under 40 support a carbon fee and dividend, which is really major,” Adrian explains in the latest episode of Citizens Climate Radio. “That 75% number is something that we're really trying to laser in on and focus on within the Conservative Caucus because there's so much potential there.” He also had advice for Progressive, Liberals, and Moderates who want to connect with climate-concerned conservatives.  When it came to US climate policy, as a high school student, Adrian Rafizadeh strongly opposed one of the first major attempts by the Democrats. The Green New Deal was introduced in 2019 spearheaded by the progressive US member of Congress Alexandria Ocasio-Cortez, or AOC.  The Green New Deal on the table got a lot of Conservatives thinking, talking, and writing about climate change, including Adrian.  While writing a paper for a class, Adrian sought to debunk the Green New Deal. In doing so, Adrian suddenly saw the issue of climate change differently. He recognized the seriousness of the problem the USA and the world face, and he decided he needed to do something about it. That set Adrian on a quest to find a way to address climate change that also fits into his world view and politics. Adrian politically leans right, and he is a member of the Republican party.  Adrian, a child of Iranian immigrants, shares his climate journey with us. He reveals how he found his way into a climate organization, and he tells what Progressives who want to engage Conservatives in climate conversations can do to open up a dialogue. He talks about one of his favorite climate solutions, carbon fee and dividend.  Adrian Rafizadeh is an incoming student at the Wharton School of the University of Pennsylvania. You can learn more about Conservatives engaged in climate work by visiting CCL Conservatives.   If you want to hear more conservatives talking about climate, check out RepublicEN's EcoRight Speaks Podcast. The Art House Randi Hacker is the author of the children's book,  Life on a Different Planet, A Climate Crisis Handbook. The book opens with words in large bold letters that spell out, Welcome to the End of the World. Turn the page to see someone edited the sign to say, Welcome to Beginning of the New World.  Since the early 1990s, Randi has published books and magazines designed to help young people learn about environmental issues and climate change. In the Art House she explains how with all her work she seeks to be honest with young people about the problems we face while also giving them ideas for concrete actions they can take.  Life on a Different Planet, A Climate Crisis Handbook is full of original art work by Ron Barrett, the artist who illustrated the award winning book, Cloudy with a Chance of Meatballs. The illustrations bring a sense of whimsy and playfulness to book while also helping readers come close to hard realities.  Other Resources for Children and Parents Citizens' Climate Education Presents Climate Classroom! This is a flexible, multi-disciplinary middle school curriculum. It is designed to give students a toolkit of advocacy skills for climate solutions. What Do We Tell the Children? Episode four of Climate Changed featuring Pacific Islander poet Craig Santos Perez. Ben Yosua Davis chats with P Craig about parenting in a climate changed world. Click here for a transcript of this episode.  Good News Report We have two Good News Reports. Nate Abercrombie, Conservative Outreach Coordinator for Citizens Climate Lobby, shares recent successes from CCL's Conservative Caucus and tells us about a new campaign to reach out to Utah Conservatives.  Dana Nuccitelli, a Research Coordinator at Citizens Climate Lobby Tells us about a very big piece of legislation. The Inflation Reduction Bill passed in both houses of congress. President Joe Biden signed it into law earlier this month. Dana tells us why this bill is so good for the climate. He also talks about possible next steps. To read more about the bill and to read more of Dana's analysis, check out The Nerd Corner.  If you have Good News to share, email radio @ citizensclimate.org We always welcome your thoughts, questions, suggestions, and recommendations for the show. Leave a message on our listener voicemail line: (619) 512-9646. +1 if calling from outside the USA that number again. (619) 512-9646. NEW! Listener Survey We want to hear your feedback about this episode. After you listen, feel free to fill in this short survey. Your feedback will help us as we make new decisions about the content, guests, and style of the show. You can fill it out anonymously and answer whichever questions you like.  You can hear Citizens' Climate Radio on: iTunes Spotify SoundCloud Podbean Stitcher Radio Northern Spirit Radio PlayerFM TuneIn Radio Also, feel free to connect with other listeners, suggest program ideas, and respond to programs in the Citizens' Climate Radio Facebook group or on Twitter at @CitizensCRadio.  

We talk more about marvels next 3 years of movies, new films set release under the superhero banner not necessarily in the mcu as well as other films set to come out within the next 1 year. And movies that are new to the box office and what's dominating at the movies right now! --- Send in a voice message: https://anchor.fm/down-4-the-count/message

This is a MESS! --- Send in a voice message: https://anchor.fm/down-4-the-count/message

Comic con was a major success. Sydney Sweeney talks her lifestyle and pay. Marvel phase 5 & 6! Netflix Sandman and more! --- Send in a voice message: https://anchor.fm/down-4-the-count/message

STRANGER THINGS EUPHORIA LOST THE WILDS THE UPSHAWS MARVEL CINEMATIC UNIVERSE ETC. WE TALK ABOUT IT ALL! --- Send in a voice message: https://anchor.fm/down-4-the-count/message

Join the gang this week after they officially traded TRTL for MR JASON DUFRENE. As they discuss Cancel culture, DaBaby returning to Rollin Loud, A WHOLE LOT of Nerd Corner including the MCU, the new trailer for Home Team, Billie Eilish and p*rn, Louisiana cooking, and much much more this week on #TheHangoverPodcast