Podcasts about PCI

Passwords were built for a different era of the internet. It's time to move past shared secrets to close your organization's largest threat vector for good.Traditional passwords and legacy Multi-Factor Authentication (MFA) are no longer enough to protect your business. Automated, scaling phishing toolkits easily intercept shared secrets, leaving small and medium businesses highly vulnerable to credential breaches.In this episode, Jen sits down with Nishant Kaushik, Chief Technology Officer at the FIDO Alliance, to translate complex cryptographic standards into an actionable, resource-light deployment plan. Learn how to transition away from legacy authentication and close the hidden operational loopholes that hackers actively exploit.What You Will Learn:The Flaw in Basic MFA: Why SMS codes and standard one-time passwords (OTPs) are failing, and what true "phishing-resistant" security means.The Account Recovery Trap: Why a weak "Forgot Password" workflow accidentally gives hackers their primary attack vector back—and how to fix it.The Bottom-Line Benefit: How moving to passkeys drastically reduces internal IT helpdesk tickets, manual password resets, and overhead costs.Right-Sizing Your Passkey Deployment: How to easily segment your workforce strategy:Standard Users: Synced passkeys via platform credential managers (Apple, Google, 1Password, Bitwarden).Privileged Users: Dedicated hardware keys (YubiKeys) for root admins and high-sensitivity infrastructure.The 1-Week Action Plan: How to leverage the identity infrastructure you already own (like Google Workspace or Microsoft Entra ID) to deploy passkeys today.Resources Mentioned:Learn more about modern identity standards: FIDO Alliance WebsiteReview baseline federal security recommendations: CISA Guidance on Phishing-Resistant MFADiscover SecurityMetrics compliance resources: SecurityMetrics Official SiteThreat Intelligence Data: Read the data behind credential exploitation in the latest Verizon Data Breach Investigations Report (DBIR). Federal Passkey Standards: Review the updated identity and passkey frameworks via the NIST SP 800-63 Digital Identity Guidelines. Enterprise Identity Platforms: Learn how modern stacks integrate passwordless via Okta Verify and Microsoft Entra ID. About the Guest: Nishant Kaushik is the Chief Technology Officer at the FIDO Alliance, bringing over 25 years of leadership in digital identity and access management (IAM). He holds nine patents, frequently serves on the advisory committees for the RSA Conference and Identiverse, and is a founding member of IDPro.A note from Jen: We built Practical Cybersecurity because we were tired of the fear-mongering in this industry. Security shouldn't be a secret club.If you're trying to figure out PCI compliance or need a pen test, my team at SecurityMetrics can help you out: https://www.securitymetrics.com/contact/lets-get-you-to-the-right-place But if you just want to learn how to protect yourself for free, start here:  https://academy.securitymetrics.com/ 

The following question refers to Section 7.1 of the 2025 ACS Guidelines. The question is asked by Thomas Jefferson medical student and CardioNerds Academy Intern Dr. Grace Qiu, answered first by University of Michigan fellow and CardioNerds FIT Ambassador Dr. Kayla Secrest, and then by expert faculty Dr. Sunil Rao. Dr. Rao is an interventional cardiologist, Professor of Medicine at NYU Grossman School of Medicine, Deputy Director of the Leon H. Charney Division of Cardiology, and the Director of Interventional Cardiology for the NYU Langone Health System. He is the Editor-in-Chief for Circulation Cardiovascular Interventions and was the Chair of the Writing Committee for the 2025 ACS Guidelines. This episode is part of our comprehensive Decipher the Guidelines Series covering the 2025 ACC/AHA/ACEP/NAEMSP/SCAI Guideline for the Management of Patients With Acute Coronary Syndromes. Question #1 A 68-year-old man with a history of hypertension, hyperlipidemia, stage III chronic kidney disease, and prior tobacco use presents to a local emergency department with reports of chest pain while raking leaves at home. Upon arrival, he is hemodynamically stable with a heart rate of 86 beats per minute and a blood pressure of 133/85 mmHg. His EKG reveals ST elevations in the septal and anterior leads (V1-V4). He is given 324mg of aspirin and is promptly evaluated by the interventional cardiology team, who elects to take him emergently to the catheterization lab. Upon arrival to the catheterization lab, the nurse asks the interventional fellow which access sites they should prep for this case? How should the interventional fellow respond? A Right radial artery only B Radial + bilateral femoral C Bilateral femoral only Answer #1 Explanation  The correct answer is B. Radial and bilateral femoral Radial artery access is the preferred vascular access site for coronary angiography and PCI in patients with ACS. Transradial access has been shown to reduce mortality, bleeding, and vascular complications compared with transfemoral access (Class I, LOE A). Radial access also allows earlier ambulation and is associated with greater patient comfort. Although the right radial artery is the most widely studied upper-extremity access site, alternative sites such as the ulnar and distal radial arteries have demonstrated similar outcomes. However, the radial artery may be required as a bypass conduit for CABG. In institutions where the radial artery is routinely used for surgical grafting, this potential future use should be considered when selecting vascular access. In addition, transfemoral access—preferably performed with ultrasound guidance—should be considered in patients in whom temporary mechanical circulatory support (MCS) is anticipated or in those for whom radial access is not feasible due to anatomical or technical constraints. Prepping bilateral groins in addition to the radial artery provides a backup strategy for urgent MCS placement or for transition to femoral access should radial access fail. For these reasons, prepping both the radial artery and bilateral groins is the most appropriate response. Radial-only preparation is incorrect because, although radial access is preferred, patients with STEMI may still require emergent MCS or alternative access if the radial artery is unsuitable. Preparing only the wrist without backup femoral access may delay care should hemodynamic instability occur. Femoral-only preparation is incorrect because transradial access provides superior outcomes in ACS, including significant reductions in all-cause mortality, major bleeding, and vascular complications. RCTs and meta-analyses, including MATRIX (which showed lower MACE and net adverse clinical events with radial access) and SAFARI-STEMI (which showed no difference in mortality but was underpowered)—support radial as first-line access when feasible. Main Takeaway For patients with ACS undergoing PCI, radial access is strongly preferred to reduce mortality, bleeding, and vascular complications. Guideline Loc. Section 7.1  

In this episode, we speak with Mike McGinn, Partner and Co-Head of Growth at Sixth Street.  He is based in New York and focuses on private investments in growth-oriented companies. Sixth Street Growth provides growth equity and bespoke capital solutions to mid- and late-stage technology companies. It is the dedicated growth investing platform of Sixth Street, a leading global investment firm with over $130 billion in assets under management and committed capital. Through its Growth strategy, Sixth Street has invested over $13 billion in more than 90 companies. Prior to Sixth Street, Mike was a Managing Director in AmSSG at Goldman Sachs. Previously, he was Co-Head of PCI, AmSSG's growth capital business, and worked in AmSSG's multi-strategy investing group and specialty lending group. Earlier in his career, Mike worked in the Global Investment Research division at Goldman Sachs. Sixth Street Growth was recognized as a Top Growth Equity Firm of 2025 by GrowthCap. I am your host, RJ Lumba. We hope you enjoy the show. If you like the episode, click to follow.

The mid-market is where tech decisions get dangerous. You are big enough that uptime, security, and delivery speed matter every day, but you are not big enough to burn cash on massive consulting retainers or absorb the fallout from a shaky vendor. That “valley in the middle” is exactly where David Robinson lives, and it is why he built Stratos Development Group to offer right-fit technical leadership, managed services, and software development that feels structured without being out of reach. We walk through David's journey from building early electronic medical record software in healthcare to leading engineering at a venture-backed startup, and then into entrepreneurship. From there, we get practical about what mid-market teams actually struggle with: competitors using the same licensed infrastructure, product roadmaps hijacked by one or two big customers, and the need to own real intellectual property and architecture to keep a competitive edge. For payments, fintech, and ISO leaders, the conversation goes deep on what Stratos is seeing right now: consolidation, tougher differentiation, and the technical friction that can make or break net-new deals. David shares how ISOs can approach technology enablement and custom integrations, plus the bigger opportunity of moving from ISO to ISV. If you already have a book of business, you also have a built-in feedback loop, faster validation, and a clearer path to launching software that your clients will actually pay for. We also tackle AI and the “vibe coding” era, including why agentic development can boost productivity but cannot shortcut PCI, SOC, or HIPAA compliance. If you want to modernize safely and win in a more competitive market, this one is for you. 

We can't keep turning a blind eye to e-commerce skimming. It's a real threat that demands real attention—regardless of how compliance checklists evolve. Eighteen months ago, our panel met to break down the rollout of PCI DSS requirements 6.4.3 and 11.6.1. Now, one year after PCI v4.0, we're looking at the data-backed reality of how these requirements are actually playing out in the field.With the recent industry transitions to PCI DSS v4.0.1, clarifications surrounding the boundaries between parent web pages and third-party iframes have created a dangerous side effect: "Checkbox Blindness." Many organizations are misinterpreting these adjustments to mean that script monitoring is effectively optional if a payment iframe is in place. But treating client-side security as a text-only compliance loophole ignores a harsh forensic reality—attackers don't care about scoping boundaries.In this follow-up episode, host Jen Stone sits down with a full house of SecurityMetrics experts—Gary Glover (VP of Assessment), Chad Horton (VP of Technology), and Aaron Willis (VP of Forensic Investigation)—to cut through the regulatory noise. Backed by data from over six years of payment page monitoring, they translate the latest auditor fine print into practical guidance on why your parent page remains a prime target, and how to protect it without drowning your team in alert fatigue.Key Takeaways From This Episode:The v4.0.1 Scoping Misconception: Why thinking an embedded iframe completely offloads your client-side security obligations is a critical business risk.Bypassing the Safe: How attackers manipulate the parent page environment to intercept credit card data before it ever reaches a secure iframe or redirect link.The Reality of "Checkbox Compliance": Why tracking down fourth- and fifth-party scripts matters to your baseline security, even if your SAQ criteria makes it look elective.Inside a "Zero-Malware" Exploit: A forensic breakdown of how threat actors turn legitimate, approved analytics scripts against online checkout flows.Managing the Responsibility Matrix: How to handle iframe providers who are quietly altering their security liability terms in their public documentation.Resources & Links Mentioned:Stop Checkbox Blindness: Automate your script inventory with SecurityMetrics Shopping Cart Monitor Get a Forensic MRI of Your Checkout: Schedule a deep-dive review with SecurityMetrics Shopping Cart Inspect Read the Research: Download the QSA White Paper on E-Commerce Skimmer Attacks Connect With Our Team:SecurityMetrics Website: securitymetrics.comFollow Us on LinkedIn: linkedin.com/company/securitymetricsA note from Jen: We built Practical Cybersecurity because we were tired of the fear-mongering in this industry. Security shouldn't be a secret club.If you're trying to figure out PCI compliance or need a pen test, my team at SecurityMetrics can help you out: https://www.securitymetrics.com/contact/lets-get-you-to-the-right-place But if you just want to learn how to protect yourself for free, start here:  https://academy.securitymetrics.com/ 

„Putem adera la UE și alături de România. Acum lucrăm din greu ca Republica Moldova să devină parte a UE și sperăm că acest lucru va funcționa. Dacă nu, vom lua în calcul și alte opțiuni. Obiectivul este să menținem Moldova în siguranță și parte a lumii libere. Nu vom permite Rusiei să ne amenința politica internă și externă, inclusiv prin intermediul Transnistriei. Aderarea la UE este esențială pentru ca Republica Moldova să poată supraviețui ca democrație”, declară președinta Maia Sandu într-un interviu acordat RFI și DW, în Parlamentul European de la Strasbourg. Temele ediției: - Criză de imagine pentru primarul Chișinăului, Ion Ceban, cel interzis în UE de către România pentru legături cu Rusia: o fostă subalternă face publice acte de corupție și de politizare a Primăriei Chișinău. Primăria Chișinău respinge acuzațiile și le califică drept nefondate. Miza nu mai ține doar de un conflict personal, ci de impactul asupra imaginii politice a lui Ion Ceban. Liliana Barbăroșie aduce detalii. - Documente confidențiale arată felul în care Kremlinul coordonează campaniile de influență ale unor actori ruși în țări europene. Printre numele amintite în investigație se află și cel al fostului deputat PSD și șef al Comisiei SRI, Sebastian Ghiță, patron al postului RomâniaTV. Detalii, în Eurocronica, semnată de Ovidiu Nahoi. - Așadar, numelui omului de afaceri român Sebastian Ghiță apare în contextul unor campanii coordonate de influențare politică și dezinformare, desfășurate de Kremlin în țările europene. Valeriu Pașa, directorul comunității Watchdog Moldova, care a consultat documentele scurse, a explicat la RFI cum a apărut numele lui Sebastian Ghiță în planurile de dezinformare. Un interviu realizat de Mădălina Șerban. „Resping toate aceste afirmații false despre legăturile mele cu Putin și Kremlinul făcute de agenții sorosiști”, a scris Sebastian Ghiță pe rețelele de socializare. - Șeful așa-zisului minister pentru securitate de la Tiraspol iese la atac și acuză Ucraina că stă în spatele așa-numitor atacuri teroriste din regiunea separatistă de acum 3 ani. De asemenea, acuză și Republica Moldova. Ce acuzații aduce Tiraspolul Chișinăului? Aflați în „Cronica lui Vitalie”, semnată de Vitalie Cojocari. - Guvernul Republicii Moldova și Fondul Monetar Internațional (FMI) au ajuns la un acord privind un nou program de cooperare pentru următorii 3 ani. - Cancelarul german a propus acordarea unui statut de „membru asociat” al Uniunii Europene pentru Ucraina. În ceea ce privește alte state candidate, inclusiv Republica Moldova, Friedrich Merz propune „soluții inovatoare” pentru accelerarea integrării europene. - Două alerte false cu bombă au fost înregistrate în noaptea de 21 mai la Aeroportul Internațional Chișinău. Știrile zilei: Guvernul Republicii Moldova și Fondul Monetar Internațional (FMI) au ajuns la un acord privind un nou program de cooperare pentru următorii 3 ani. Anunțul a fost făcut de prim-ministrul Alexandru Munteanu la ședința Guvernului. „Republica Moldova și FMI sunt pe aceeași lungime de undă în ceea ce privește direcția economică a țării”, a declarat Munteanu. „Un semnal clar că partenerii internaționali consideră că Republica Moldova are o echipă profesionistă, se mișcă într-o direcție corectă, într-un ritm bun, chiar și atunci când circumstanțele externe rămân foarte complicate”, a menționat premierul moldovean. „Noul program PCI, care este un program fără finanțare, conceput pentru a susține politici economice solide, confirmă angajamentul continuu al autorităților față de asigurarea stabilității macroeconomice și financiare și a creșterii economice durabile”, a declarat șefa misiunii FMI, Alina Iancu, la finalul vizitei. FMI arată că economia Republicii Moldova și-a revenit în 2025, însă rămâne vulnerabilă la șocuri externe, în special în sectorul energetic. PIB-ul a crescut anul trecut cu 2,4%, susținut de cererea internă și de redresarea sectorului agricol, iar inflația medie a fost de 7,8%. Pentru acest an, arată FMI, inflația în Republica Moldova ar putea depăși 8%, iar ritmul de creștere al economiei va încetini până la 1,5%. Instituția precizează că perspectivele economice ale țării depind în mare măsură de durata și intensitatea războiului din Orientul Mijlociu și a conflictului din Ucraina. *** După ce a deblocat suportul financiar de 90 de miliarde pentru Ucraina, noul premier al Ungariei pune condiții pentru aderarea țării vecine la UE și îl invită pe Volodimir Zelenski la dialog. Vorbind la o conferință de presă comună, la Varșovia, cu omologul său polonez Donald Tusk, Peter Magyar a spus tranșant că protejarea drepturilor minorității maghiare din Transcarpatia este o condiție prealabilă pentru acceptarea negocierilor cu Ucraina, scrie TV8. „Au început negocierile tehnice privind drepturile lingvistice, culturale și de altă natură ale minorității maghiare care trăiește în Carpați, astfel încât acestea să primească ceea ce se cuvine tuturor minorităților din Uniunea Europeană. Și sper și am încredere că această serie de negocieri va avea loc rapid și eficient și ne vom putea întâlni cu președintele Zelenski cândva la începutul lunii iunie”, a subliniat noul prim-ministru al Ungariei, Peter Magyar. Republica Moldova urmărește cu atenție poziția Ungariei privind deblocarea negocierilor cu Kievul, pentru că în acest moment este tratată la pachet cu Ucraina, iar în iunie mizează pe deschiderea negocierilor politice de aderare la UE. *** Cancelarul german Friedrich Merz a propus acordarea unui statut de „membru asociat” al Uniunii Europene pentru Ucraina, ca alternativă temporară la aderarea deplină, considerată nerealistă pe termen scurt din cauza procedurilor complexe și a obstacolelor politice existente în interiorul blocului comunitar. Potrivit agenției dpa, inițiativa a fost inclusă într-o scrisoare adresată conducerii Uniunii Europene, transmite Moldpres. Potrivit propunerii, Ucraina ar putea participa la reuniunile Consiliului European și ale Consiliului UE, însă fără drept de vot. Totodată, Kievul ar putea avea reprezentanți asociați în cadrul Comisiei Europene, Parlamentului European și Curții de Justiție a UE, dar fără competențe decizionale. În ceea ce privește alte state candidate, inclusiv Republica Moldova, Albania și Muntenegru, Friedrich Merz propune „soluții inovatoare” pentru accelerarea integrării europene. Printre acestea se numără acces preferențial la piața unică europeană, implicare mai strânsă în activitatea instituțiilor UE și statut de observator în anumite structuri comunitare. *** Nu există motive pentru a amâna deschiderea negocierilor de aderare a Republicii Moldova la UE pe toate clusterele, iar Consiliul European din iunie ar trebui să adopte o decizie favorabilă pentru Chișinău în acest sens. Declarația a fost făcută pentru NewsMaker de vicepreședintele Parlamentului European, Victor Negrescu. Acesta a mai spus că Transnistria nu reprezintă un impediment pentru aderarea Moldovei la UE, invocând precedentul Ciprului, stat membru cu un conflict teritorial nerezolvat, care deține în prezent președinția Consiliului Uniunii Europene. *** Și europarlamentarul Dan Barna cere instituțiilor UE să-și onoreze promisiunile față de Chișinău, în condițiile în care cinci rânduri de alegeri, Moldova a rezistat interferențelor Rusiei. Dan Barna a declarat corespondentului NewsMaker că blocajul instituit de Budapesta în procesul de extindere ar putea fi depășit în săptămânile următoare. *** Două alerte false cu bombă au fost înregistrate în noaptea de 21 mai la Aeroportul Internațional Chișinău. Pasagerii și personalul au fost evacuați conform procedurilor de securitate. Potrivit unui comunicat emis de Poliția de Frontieră, în urma verificărilor efectuate de serviciile specializate, nu au fost descoperite obiecte suspecte sau explozive. Zeci de alerge false cu bombă au fost înregistrate la aeroportul Chișinău în ultimii ani. Experții în securitate spun că acestea sunt elemente ale războiului hibrid purtat de forțele pro-ruse în contextul războiului din Ucraina, dar și a evoluțiilor politice interne din Republica Moldova, ca tentativă de a crea tensiuni și a scădea încrederea în instituții. „Situația a fost gestionată operativ și în condiții de siguranță, cu respectarea normelor de securitate”, anunță în comunicat Aeroportul Chișinău, în contextul incidentelor de noaptea trecută.

Send us Fan MailDenis Villeneuve, Cybersecurity and Resiliency Practice Lead at Kyndryl, examined the profound implications of frontier AI models—such as Mythos—for enterprise cybersecurity, framing the challenge as a strategic decision-making mandate rather than a cause for alarm. While core cybersecurity principles remain foundational, the acceleration of AI-driven vulnerability discovery and exploitation marks a pivotal shift from human-speed to machine-speed responses. This evolution is creating a widening “cyber poverty line,” separating resilient organizations from those unable to manage the exponential surge in patch throughput required for modern vendor and open-source ecosystems.The transition toward agentic AI introduces a new layer of governance and deployment risk. To navigate this, Denis emphasized the necessity of robust agentic frameworks that incorporate human-in-the-loop guardrails and role-based agent deployment within SOC workflows. Achieving C-suite alignment is critical to curbing the proliferation of shadow AI and shadow IT, ensuring that innovation remains under centralized governance. While the tools are changing, the solution remains rooted in the synergy of people, processes, and products, with a renewed focus on the basics: rigorous patching, multi-factor authentication, network segmentation, and defense-in-depth.Looking forward, organizations must evolve their existing compliance frameworks—such as PCI—and mobilize cross-functional “tiger teams” to manage high-stakes communication and response plans.See previous podcast with Denis: https://www.e-channelnews.com/kyndryl-on-cyber-resilience-bridging-readiness-gaps-and-navigating-ai-threats/

“Ghana's economy remains in shambles. The IMF exit is just a charade. A strong economy should not consider PCI status. Structural vulnerabilities still exist.” — Kojo Oppong Nkrumah, Member of Parliament for Ofoase Ayirebi.

Is your organization prepared for an autonomous AI bot? Roger Grimes joins Jen Stone to discuss the shifting landscape of cybersecurity. This episode moves past the hype to look at the hard data: AI scams are yielding 4.5x more value for attackers, and traditional MFA is no longer enough to stop them.In this episode, we translate complex "vulnerability fatigue" into a clear, two-step priority list. We strip away the jargon to show you exactly how autonomous bots are bypassing firewalls by targeting the human element. Key Takeaways:Focus on the "Big Two": Social engineering and unpatched software account for nearly 90% of business risk.Phishing Resistance: Why you should move toward YubiKeys or passkeys to avoid "man-in-the-middle" code interception.Patch Management: Why you should ignore "shiny" new vulnerabilities and follow the CISA Known Exploited Vulnerabilities catalog.The Negotiator's Trap: What happens when a CEO claims they have backups, but the hackers have already deleted them.Featured Resources:CISA Known Exploited Vulnerabilities (KEV) Catalog: Use this to prioritize patching based on real-world attacker behavior. Phishing-Resistant MFA:YubiKey: A hardware security key requiring physical touch to prevent remote account takeovers. FIDO Passkeys: A cryptographically secure alternative to SMS codes. Password Management: Tools like 1Password or LastPass are essential for creating long, random, and unique credentials that AI can't easily crack. The 3-2-1 Backup Rule: Maintain three copies of data, on two different media types, with one copy kept strictly offline. Connect with Roger GrimesKnowBe4: Access security awareness training and social engineering defense resources at knowbe4.com. Free Book Offer: Roger is offering a free PDF copy of his latest book, How AI and Quantum Impact Cyber Threats and Defenses, to all listeners. Email him directly at rogerg@knowbe4.com. A note from Jen: We built Practical Cybersecurity because we were tired of the fear-mongering in this industry. Security shouldn't be a secret club.If you're trying to figure out PCI compliance or need a pen test, my team at SecurityMetrics can help you out: https://www.securitymetrics.com/contact/lets-get-you-to-the-right-place But if you just want to learn how to protect yourself for free, start here:  https://academy.securitymetrics.com/ 

Crypto regulation in Q1 2026 reshaped the stablecoin and digital asset markets with the OCC's 376-page Genius Act proposed rule, the SEC's five-category crypto asset classification, and new AML data from FATF and Chainalysis. Tedd Huff, CEO of fintech advisory firm Voalyre and founder of Fintech Confidential, breaks it all down with Robert Musiala, Partner at Baker Hostetler and co-lead of their Web3 practice.The OCC introduced the PPSI framework that every future stablecoin issuer must follow, while at least 15 crypto-native companies raced to file trust charter applications. The SEC named 18 tokens as digital commodities, replaced the "decentralization" test with a central party control standard, and Chairman Atkins previewed up to three safe harbor proposals under a tentative Regulation CA. On the enforcement side, 84% of illicit crypto transactions in 2025 involved stablecoins, the DOJ seized $61 million in USDT, and North Korea expanded state-sponsored theft into remote IT worker schemes targeting US businesses.Find out more1️⃣ Map your Genius Act transition now; the 18-month implementation window is closing fast and companies that filed trust charters in late 2025 are already positioned.2️⃣ Vet every outsourced IT vendor accepting stablecoin payments for shell company ties to state-sponsored actors.3️⃣ Audit your tokens against the SEC's five-bucket test before the safe harbor proposals drop.4️⃣ Stress test your AML program against stablecoin-specific risks like peer-to-peer transfers, multi-hop wallet chains, and shell IT vendor payments flagged by the DOJ and FATF in Q1.5️⃣ Model your Q3 budget with and without yield revenue in case the OCC's related third-party restrictions survive.LINKSGuestRobert MusialaLinkedIn: https://www.linkedin.com/in/robert-musiala/Baker Hostetler: https://www.bakerlaw.com/people/robert-musialaBlockchain Monitor: https://www.blockchainmonitor.com/CompanyBaker HostetlerWebsite: https://www.bakerlaw.com/Web3 & Digital Assets Team: https://www.bakerlaw.com/practices/web3-digital-assetsLegal Resources: https://www.bakerlaw.com/insightsHostTedd Huff: https://www.linkedin.com/in/teddhuff/Linkedin: https://www.linkedin.com/company/fintechconfidentialFintech ConfidentialYoutube: https://youtube.com/@fintechconfidentialPodcast: https://fintechconfidential.com/listenNewsletter: https://fintechconfidential.com/accessLinkedIn: https://www.linkedin.com/company/fintechconfidentialX: https://x.com/FTconfidentialInstagram: https://www.instagram.com/fintechconfidentialFacebook: https://www.facebook.com/fintechconfidentialSUPPORTERSDFNS: Wallets as a service, API first, multi-chain, secured with MPC across 50+ blockchains - fintechconfidential.com/dfnsSkyflow: Zero trust data privacy vault for PCI, CCPA, GDPR, SOC 2 compliance - skyflowsecure.comHawk: AI tools for real-time payment screening and fraud prevention - gethawkai.comABOUTRobert Musiala is a Partner at Baker Hostetler where he co-leads the firm's Web3 practice. He authors The Blockchain Monitor, one of the longest-running legal blogs covering crypto regulation, enforcement, and policy developments. His practice spans both traditional financial institutions and crypto-native companies.Baker Hostetler is a national law firm with deep expertise in financial services, securities, and emerging technology law.Tedd Huff is the CEO of fintech advisory firm Voalyre and founder of Fintech Confidential. The show is produced by DD3 Media and brings you the people, tech, and companies that change how you pay and get paid.CHAPTERS00:00 Episode Highlights01:18 Welcome to Fintech Confidential01:27 Dfns: Wallets as a Service (sponsor)02:47 Show Intro And Guests05:30 Genius Act Rulebook07:38 Reserve Rules Explained13:08 Charter Rush Begins18:11 Banks Vs Crypto Score20:49 Deposit Flight And Yield25:58 Wyoming And SoFi Models29:38 SEC Five Bucket Guide32:49 Digital Commodities Line37:35 Munchee Vs Meg Prime39:21 Sky Flow: Building Fast and Secure (sponsor)40:23 Back To Atkins Agenda40:58 Atkins Next Moves43:21 Regulation CA Safe Harbors45:39 Stablecoins And Illicit Use50:25 Freezing Burning Reissuing54:13 Offshore Crackdown FATF56:24 North Korea Crypto Threats59:28 Q2 Watchlist OCC Yield01:05:11 Safe Harbor And CLARITY01:10:33 Advice For Builders Q201:13:20 Wrap Up And Sponsor01:14:08 Hawk AI - Realtime Fraud Monitoring (sponsor)01:14:53 Disclaimer

On today's episode, Dr. Mark Costes sits down with Chris Sands, co-founder of Crown Card Services and Pro-Fi 20/20, to unpack the often-overlooked world of credit card processing fees in dentistry. Chris explains how merchant fees quietly chip away at profitability, EBITDA, and even practice valuation, while sharing why more dental offices are exploring compliant surcharge programs to recover 70–90% of card fees.  They also dive into the difference between rates and fees, the importance of PCI compliance, state-by-state surcharge restrictions, and how PPO contracts may create additional challenges for practices trying to pass fees along to patients. Chris also breaks down why software integration can come with a massive hidden cost, how bridge solutions may help practices avoid inflated processing rates, and why startups and first-time buyers may have an advantage by implementing these systems from day one. Be sure to check out the full episode from the Dentalpreneur Podcast! EPISODE RESOURCES https://crowncardservices.com https://www.truedentalsuccess.com Dental Success Network Subscribe to The Dentalpreneur Podcast

Στο επεισόδιο συζητάμε τις σημαντικότερες μελέτες του ACC 2026:Τι νέο μαθαίνουμε από τη CHAMPION AF για τον ρόλο του LAAO έναντι της αντιπηκτικης αγωγής στην κολπική μαρμαρυγή;Μπορεί η HI-PEITHO να αλλάξει τη διαχείριση της πνευμονικής εμβολής ενδιάμεσου κινδύνου;Ποιος είναι τελικά ο ρόλος της Impella σε υψηλού κινδύνου PCI και σε anterior STEMI;Τι μαθαίνουμε για τη χρήση του IVUS στη βελτιστοποίηση της PCI, ειδικά σε στελεχιαία νόσο και πιο σύνθετες βλάβες;Τι προσφερει η σπινορολακτόνη στη θεραπεία της καρδιακής ανεπάρκειας με διατηρημένο κλάσμα εξώθησης;Θα έρθει το sotatercpert σε cpcPH-HFPEF?

Welcome to the Oncology Brothers podcast! In this episode, we were joined by Dr. Jacob Sands, a thoracic medical oncologist from Dana-Farber Cancer Institute, to discuss the current treatment algorithms for small cell lung cancer (SCLC). Listen us on: Spotify: https://open.spotify.com/show/31BXhY9FM4gPWG10WgE11o Apple Podcast: https://podcasts.apple.com/us/podcast/oncology-brothers-practice-changing-cancer-discussions/id1653340966 Follow us on social media: •⁠  ⁠X/Twitter: https://twitter.com/oncbrothers •⁠  ⁠Instagram: https://www.instagram.com/oncbrothers •⁠  Website: https://oncbrothers.com/ We dived deep into the aggressive nature of SCLC and the meaningful advances in treatment over the past few years. Key topics included: • The role of surgery and adjuvant chemotherapy in early-stage SCLC. • Insights into the ADRIATIC study, which highlighted the efficacy of Durvalumab in limited-stage disease. • The debate surrounding prophylactic cranial irradiation (PCI) and its implications for patient care. • The latest findings from the IMforte study, showcasing the combination of Atezolizumab and Lurbinectedin as a new standard of care in extensive-stage SCLC. • The promising results of Tarlatamab in the second-line setting and its impact on overall survival. Join us as we explored these advancements and their potential to improve patient outcomes in the fight against small cell lung cancer. Don't forget to like, subscribe, and check out our other episodes for more insights into oncology! #SmallCellLungCancer, #SCLC, #ADRIATIC, , #IMforte, #OncologyBrothers

In this episode, Niall speaks with Dr. Christof Koch, Chief Scientist of the MindScope Program at the Allen Institute for Brain Science, former Professor at Caltech, and author of “Then I Am Myself the World”. Dr. Koch is a leading researcher in the science of consciousness and a key proponent of Integrated Information Theory. In this conversation, they explore: — Why consciousness may be fundamental, while physical matter exists only in relation to other things — How an experience on a beach in Brazil changed his understanding of reality — The discovery of “covert consciousness” in patients thought to be in vegetative states — How the perturbational complexity index (PCI) shows a clear boundary between conscious and unconscious states, and why this matters — How Integrated Information Theory approaches the question of free will You can learn more about Dr. Koch's work at https://christofkoch.com. --- Dr. Christof Koch is a Meritorious Investigator at the Allen Institute. Christof received his baccalaureate from the Lycée Descartes in Rabat, Morocco, his B.S. and M.S. in physics from the University of Tübingen in Germany and his Ph.D. from the Max-Planck Institute for biological Cybernetics in 1982. Subsequently, he spent four years as a postdoctoral fellow in the Artificial Intelligence Laboratory and the Brain and Cognitive Sciences Department at the Massachusetts Institute of Technology. From 1987 until 2013, Koch was a professor at the California Institute of Technology (Caltech) in Pasadena, from his initial appointment as Assistant Professor, Division of Biology and Division of Engineering and Applied Sciences in 1986, to his final position as Lois and Victor Troendle Professor of Cognitive & Behavioral Biology. See here for Christof's academic pedigree and his students. Christof joined the Allen Institute for Brain Science as Chief Scientific Officer in 2011 and became President in 2015. Christof writings and interests integrate theoretical, computational and experimental neuroscience with philosophy and contemporary trends, in particular artificial intelligence. His latest book, Then I Am Myself the World: What Consciousness Is and How to Expand It, publish in May 2024. His previous book, Consciousness: Confessions of a Romantic Reductionist, blends science and memoir to explore topics in discovering the roots of consciousness. Stemming in part from a long-standing collaboration with the late Nobel Laureate Francis Crick, Christof authored the book The Quest for Consciousness: A Neurobiological Approach. Koch also authored the technical books Biophysics of Computation: Information Processing in Single Neurons and Methods in Neuronal Modeling: From Ions to Networks, and served as editor for several books on neural modeling and information processing. --- Interview Links: — Dr. Koch's website: https://christofkoch.com — Dr. Koch's book: https://amzn.to/4mIKG9W

This episode of Practical Cybersecurity moves past the standard PCI checklist to focus on the operational realities, common misconceptions, and "stealth" requirements that define SAQ A in the PCI DSS v4.0.1 era. The Eligibility FoundationMost merchants skip the Eligibility Criteria, which is the actual foundation of the assessment.Total Data Outsourcing: To qualify, a merchant must not store, process, or transmit any electronic account data on their own systems or premises. Call Center Exception: Merchants can still qualify for SAQ A if you use a third-party call center to handle payments on your behalf.Paper Ghosts: While the standard includes criteria for paper records, our experts have virtually never seen a modern SAQ A merchant that actually handles card data on paper in 15 years of assessments.The Iframe ParadoxA significant "stealth" requirement exists for merchants using iframes to capture payments.Susceptibility by Design: Iframes are "by definition" susceptible to scripting attacks, where malicious code scrapes data directly from the customer's browser."Hidden" Controls: To prove you aren't susceptible, the Council essentially requires you to meet requirements 6.4.3 and 11.6.1—technical controls for script inventory and integrity that are not technically listed in the body of the SAQ A document.Tips for Completing Your SAQ A:The SNMP Trap: When hardening servers (Requirement 2.2.2), administrators frequently overlook SNMP community strings, which often serve as easily searchable default "passwords" for attackers.Break-Glass Strategy: Requirement 8 now accommodates emergency "break-glass" accounts. If your lead admin ("Lisa") wins the lottery and disappears, your organization needs a documented, management-approved protocol to get the new hire ("Bob") into the system securely.The Staff Turnover Gap: Quarterly ASV scans often fail because the one person responsible for them leaves the company, and the new hire is unaware the scans are even occurring. Redundancy—where management also receives scan results—is a critical operational fix.Compliance is Not Inherited: Just because AWS is compliant does not mean your implementation of it is.Responsibility Matrix: You must utilize your provider's Security Responsibility Matrix to identify exactly which controls are managed by the vendor, which are shared, and which are your sole responsibility.And More!Resources:Download the SAQ A: Official PCI SSC SAQ A 4.0.1 PDF List of PCI ASVs: Approved Scanning Vendors AWS Responsibility MatrixAzure Responsibility MatrixA note from Jen: We built Practical Cybersecurity because we were tired of the fear-mongering in this industry. Security shouldn't be a secret club.If you're trying to figure out PCI compliance or need a pen test, my team at SecurityMetrics can help you out: https://www.securitymetrics.com/contact/lets-get-you-to-the-right-place But if you just want to learn how to protect yourself for free, start here:  https://academy.securitymetrics.com/ 

Open finance infrastructure, agentic banking, and cross-border payments converge as Prometeo connects 7,500+ financial institutions across Latin America and the US through a single API. Tedd Huff, CEO of fintech advisory firm Voalyre and founder of Fintech Confidential, sits down with Ximena Aleman, Co-Founder and Co-CEO of Prometeo, to unpack what it takes to standardize fragmented banking systems across 30 countries and bring that playbook to the American market.Tedd and Ximena cover why US banking infrastructure is more fragmented than most people realize, how Prometeo's account verification now covers 85% of US bank accounts, and what agentic banking looks like when AI agents operate real bank accounts with built-in compliance controls. The conversation also addresses the open banking pricing debate, CFPB 1033 as a US expansion accelerant, the Nacha preferred partner announcement, and why only 2 to 3% of VC funding reaches female-led startups.Find out more1️⃣ Disaggregate your payment stack layer by layer; calling it "mature" hides gaps that cost you money.2️⃣ Build infrastructure for corridors, not single countries, starting with the highest-volume trade routes your customers operate.3️⃣ Bring non-bankers onto your product team to challenge workflows that insiders have normalized for decades.4️⃣ Give smaller financial institutions a revenue stream tied to open banking adoption instead of pricing them out.5️⃣ Pitch the outcomes your infrastructure enables, not the technical specs of what you built.LINKSGuest:Ximena Aleman LinkedIn: https://www.linkedin.com/in/ximena-aleman-7913439a/Company:Prometeo Website: https://prometeoapi.comPrometeo LinkedIn: https://www.linkedin.com/company/prometeo-openbankingFintech Confidential:Podcast: https://fintechconfidential.com/listenNotifications: https://fintechconfidential.com/accessLinkedIn: https://www.linkedin.com/company/fintechconfidentialX: https://x.com/FTconfidentialInstagram: https://www.instagram.com/fintechconfidentialFacebook: https://www.facebook.com/fintechconfidentialSUPPORTERSUnder.io: Streamlines application and underwriting by digitizing PDFs for e-signature. under.io/FTCSkyflow: A zero-trust data privacy vault delivered as an API covering PCI, CCPA, GDPR, SOC 2, and beyond. skyflowsecure.comDFNS: Wallets as a service, API first, multi-chain, secured with MPC across 50+ blockchains. fintechconfidential.com/dfnsHawk AI: Real-time payment screening, AML transaction monitoring, and dynamic customer risk rating. gethawk.comABOUTGuest: Ximena Aleman is Co-Founder and Co-CEO of Prometeo. She started her career in journalism before moving into marketing and tech leadership, completing an MBA at Universidad ORT Uruguay. She was named one of the Top 100 Women in FinTech in 2024 and is a World Economic Forum Agenda Contributor.Company: Prometeo is an open finance infrastructure company providing a single API for cross-border banking, connecting 7,500+ financial institutions across Latin America and the US. The company is backed by PayPal Ventures, Samsung Next, and Antler.Host: Tedd Huff, CEO of fintech advisory firm Voalyre and host of Fintech Confidential. The show is produced by DD3 Media, delivering entertaining and informative content focused on the people, tech, and companies changing how you pay and get paid.DD3 Media is a multimedia and marketing agency founded by Tedd Huff specializing in content creation and production for the fintech and payments industry. As the production company behind Fintech Confidential, DD3 Media produces podcasts, live streams, video content, and onsite events for global audiences.CHAPTERS00:00 Episode Highlights00:54 Welcome to Fintech Confidential01:03 Dfns: Wallets as a Service (sponsor)02:25 Meet ProMateo Founder04:39 Outsiders Spot the Gap06:38 Infrastructure Before Open Banking10:21 Borderless Banking Explained16:21 Why US Banking Feels Messy18:56 Standardizing Fragmented Systems20:42 Agentic Banking Kickoff23:34 Limiting Agent Liability24:49 Compliance and B2B Accountability27:32 Monitoring Agents Like Card Rails30:07 Sky Flow: Building Fast and Secure (sponsor)30:30 Skyflow Privacy Vault31:10 AI Bookends And Middle32:01 US Credibility Milestones33:06 Account Verification Playbook35:56 FDATA Advocacy Meets Sales39:51 Crystal Ball Agentic Payments41:39 Open Banking Pricing Debate48:44 LatAm Vs US Open Finance51:27 Strategic Investors And Trust53:42 Women In Fintech Funding Gap55:36 Founder Advice And Farewell57:43 Show Wrap And Sponsor Reads58:29 Hawk AI - Realtime Fraud Monitoring (sponsor)59:15 DisclaimerThis has been a production of DD3 Media with all rights reserved. This content is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice.© DD3 Media. All Rights Reserved.

Vertical SaaS wins when it feels like it was built by someone who has actually done the job, and that same principle is reshaping payments and fintech. We sit down with Brad Pinneke, Head of Enterprise Business Development at Worldpay (is now Global Payments), to unpack why vertical SaaS platforms have become the day-to-day operating system for small businesses and why “embedded payments” is no longer a nice add-on. When the workflow lives inside the software, money flow becomes unavoidable, and the platform that handles both can deliver a cleaner experience and a stronger business model.We dig into what customers now expect from modern payment processing inside software: one login, one system of record, one support layer, and a single source of truth that connects checkout, settlement, reporting, and reconciliation. Brad explains how natively integrated payments can reduce back-office headaches, improve trust, and increase retention, plus what separates platforms that weave payments into the fabric of the product from those that simply tack it on.Then we get practical about the hard parts. Selling money is not the same as selling software, and the margin for error is smaller when uptime, compliance, PCI, funding, and fraud risk are on the line. We close with the next wave: AI in fintech and how AI plus payments data can turn a system of record into a system of action through predictive cash flow, risk modeling, automated pricing, and standout fraud detection.

Send us Fan MailDr. Madia Russillo, otolaryngologist with Physicians' Clinic of Iowa Ear, Nose & Throat, joins Dr. Arnold to discuss the signs, symptoms and risk factors of head and neck cancer, as well as how the HPV vaccine plays an important role in preventing it.For more information on ENT services provided at PCI call (319) 399-2022. For more information on services and resources available for cancer patients, call (319) 558-4876 or visit communitycancercenter.org If you have a topic you'd like Dr. Arnold to discuss with a guest on the podcast, shoot us an email at stlukescr@unitypoint.org.

Website compliance, ADA accessibility lawsuits, and privacy law enforcement are creating real financial exposure for small and mid-sized businesses. Tedd Huff, CEO of fintech advisory firm Voalyre and founder of Fintech Confidential, sits down with Michael Williams, co-founder and CFO of Clym, to unpack the growing wave of website regulation hitting SMBs and why most operators have no idea they are at risk.Watch episode hereOver 5,100 federal ADA lawsuits were filed in 2025, up 30% from the prior year, with 78% targeting small businesses. Twenty US states now have active privacy laws, GDPR fines hit $1.2 billion globally, and California's CCPA issued a record $1.35 million penalty. Michael breaks down how enforcement works based on consumer location rather than business headquarters, why third-party scripts and chatbots create hidden liability, and how compliant websites saw roughly 30% more search visibility over the past year. New HHS enforcement requires healthcare organizations to meet elevated accessibility standards, with fines up to $150,000 per incident starting within weeks.Find out more1️⃣ Audit every third-party script, tracking pixel, and embedded tool on your website to identify consent gaps before a plaintiff's attorney does.2️⃣ Map your customer traffic by state and match it against the 20 active US privacy laws to build compliance around your actual footprint.3️⃣ Run accessibility and privacy fixes through your marketing budget since compliant sites rank higher and capture customers competitors are losing.4️⃣ Profile your own business first, including headcount, revenue, locations, and data collected, before evaluating any compliance vendor.5️⃣ Require audit-ready, timestamped consent records from day one so you have receipts when a regulator or attorney comes knocking.GUEST LINKSMichael Williams LinkedIn: https://www.linkedin.com/in/michael-williams-clym/COMPANY LINKSClym Website: https://www.clym.io/Clym LinkedIn: https://www.linkedin.com/company/clymLearn More: https://fintechconfidential.com/climbFINTECH CONFIDENTIALPodcast: https://fintechconfidential.com/listenNotifications: https://fintechconfidential.com/accessLinkedIn: https://www.linkedin.com/company/fintechconfidentialX: https://x.com/FTconfidentialInstagram: https://www.instagram.com/fintechconfidentialFacebook: https://www.facebook.com/fintechconfidentialSUPPORTERSUnder.io streamlines application and underwriting by digitizing PDFs for digital signature: under.io/FTCSkyflow is a zero trust data privacy vault delivered as an API, covering PCI, CCPA, GDPR, SOC 2, and beyond: skyflowsecure.comDFNS provides wallets as a service that is API first, multi-chain by design, and secured with MPC: fintechconfidential.com/dfnsHawk AI offers real-time payment screening, AML transaction monitoring, and dynamic customer risk rating: gethawk.comABOUT THE GUESTMichael Williams is the co-founder and CFO of Clym. He started his career as a state and local tax attorney at Ernst & Young before serving as CFO of a global travel management company, where a failed $100,000 GDPR consulting engagement inspired the creation of Clym in 2018. Michael holds a Juris Doctorate from the University of Connecticut School of Law.ABOUT CLYMClym is an all-in-one website compliance platform founded in 2018 that covers 160-plus regulations, catalogs over 1,200 third-party services, and integrates with WordPress, Shopify, Wix, Magento, and other major platforms.ABOUT THE HOSTTedd Huff, CEO of fintech advisory firm Voalyre and founder of Fintech Confidential. Produced by DD3 Media, Fintech Confidential brings you the people, tech, and companies that change how you pay and get paid.CHAPTERS00:00 Episode Highlights01:03 Welcome to Fintech Confidential01:12 DFNS: Wallets as a Service (sponsor)02:30 Meet Michael Williams and Clym03:41 Why Compliance Gets Ignored05:24 SMB Lawsuit Reality Check06:49 ADA CCPA and GDPR by the Numbers08:21 How Big Is the Problem Really09:13 Consumer Location Based Enforcement10:12 Third Party Script Risks11:55 Compliance as a Growth Lever14:19 Restaurant Menus Losing Customers15:16 New ADA Enforcement Wave17:27 Will Enforcement Follow FTC Pattern18:36 Why Clym Goes Broad20:25 Clym Origin Story22:52 Staying Ahead of 160 Regulations24:32 Beyond Basic Cookie Banners26:38 Skyflow: Zero Trust Privacy Vault (sponsor)27:40 Edge Cases and Flexibility28:38 Company Intake Profiling29:54 Five Minute Setup Promise30:52 Ecommerce Platform Gaps32:34 Vibe Coding Compliance Risks33:49 Why Copying Big Brands Fails35:42 Trusted Advisor Partnerships37:29 Compliance as a Service Response39:05 Lawsuit Economics and Dress Shop Story40:45 Audit Ready Litigation Support42:25 Shared Liability Hosted Pages43:28 Third Party Script Tracking45:51 Enforcement Trends Ahead47:45 Crystal Ball Future Outlook49:49 Browser Companies Wont Fix It51:01 Proactive Compliance Benefits52:49 Wrap Up and Resources54:19 Hawk AI: Realtime Fraud Monitoring (sponsor)55:05 Disclaimer

Primavera 1944. Mentre in tutta Europa infuria il conflitto, a Salerno avviene qualcosa di impensabile: il ritorno in Italia di Palmiro Togliatti dall'esilio in URSS produce una svolta epocale nella politica del PCI. I comunisti italiani accettano di anemizzare la linea rivoluzionaria e di mettere da parte le critiche feroci alla monarchia in nome dell'interesse nazionale: nasce un governo di unità tra tutti i partiti, che riconoscono la necessità di combattere assieme il nazifascismo per poi ricostruire assieme l'Italia. In quel momento vengono poste le basi del ritorno della democrazia, del referendum istituzionale del 2-3 giugno 1946, della nascita della Repubblica e della Costituzione.

Episode Summary In this episode of Practical Cybersecurity, we dive into the complex world of HITRUST certification. Often called the "gold standard" for healthcare security, HITRUST can be a daunting mountain to climb for small and large organizations alike. Jen Stone and experts Peter Briel (Privaxi) and Lee Pierce (SecurityMetrics) break down why scoping is your best friend, why screenshots aren't enough, and why you should never try to "button things down" before talking to an expert.Key Discussion Points:What is HITRUST? Unlike HIPAA, which lacks a formal certification, HITRUST integrates multiple standards (NIST, ISO, etc.) into a "beefy" framework. It provides a definitive answer to security and compliance inquiries in the healthcare space.The Three Levels of HITRUST:E1: The entry-level, static 44-control assessment.I1: The "leading practices" assessment with roughly 180+ controls.R2: The risk-based, "gold standard" that requires heavy factoring and scoping.The "House Alarm" Analogy: You can't protect a house if you don't know how many windows and doors it has. Asset management is the foundation of security; if you don't know what hardware and software you have, you can't secure the perimeter.Common Pitfalls in Certification:Overscoping: Fear often leads companies to include too much in their audit, driving up costs and timelines unnecessarily.Weak Evidence: Assessors need a "story," not just a screenshot. Evidence must be consistent, repeatable, and include clear date/time stamps.The "Never Happened" Trap: Even if you haven't fired anyone or had a breach in years, you must have a documented, tested process for how you would handle those events.The Importance of Readiness: The "separation of duties" means your auditor can't also be your consultant. Engaging a readiness team early helps you build the foundation correctly the first time, rather than tearing down finished work to meet compliance standards later.Expert Tips for Success"Don't build it and then do readiness afterwards." — Lee Pierce Start the conversation while you are still building your solutions or migrating to the cloud to ensure encryption and segmentation meet the standard from day one."Don't rush... it's not a check-the-box exercise." — Peter Briel  Focus on building a solid foundation. HITRUST isn't just about the certificate; it's about actually protecting the environment.Resources MentionedSecurity Metrics Website: Visit for a quick HITRUST cost assessment and to connect with the readiness and audit teams. https://www.securitymetrics.com/hitrustFactoring Tools: Resources to help determine whether you need an E1, I1, or R2 assessment.A note from Jen: We built Practical Cybersecurity because we were tired of the fear-mongering in this industry. Security shouldn't be a secret club.If you're trying to figure out PCI compliance or need a pen test, my team at SecurityMetrics can help you out: https://www.securitymetrics.com/contact/lets-get-you-to-the-right-place But if you just want to learn how to protect yourself for free, start here:  https://academy.securitymetrics.com/ 

Three imaging-guided PCI trials (two with surprising results), LDL targets, an oral PCSK9 inhibitor, and another beta-blocker withdrawal trial are the topics John Mandrola, MD, discusses in this week's podcast. This podcast is intended for healthcare professionals only. To read a partial transcript or to comment, visit: https://www.medscape.com/twic I IVUS-Guided PCI OPTIMAL Trial https://www.nejm.org/doi/full/10.1056/NEJMoa2600440 IVUS-CHIP Trial https://www.nejm.org/doi/full/10.1056/NEJMoa2601521 ILUMIEN IV Trial https://www.nejm.org/doi/10.1056/NEJMoa2305861 DKCRUSH VIII Trial https://doi.org/10.1016/j.jacc.2026.01.081 II Ez-PAVE Trial — Low vs Very Low LDL-targets Does Ez-PAVE Support 'Lower Is Better' for LDL-C? https://www.medscape.com/viewarticle/does-ez-pave-support-lower-better-ldl-c-2026a1000akx Ez-PAVE Trial https://www.nejm.org/doi/full/10.1056/NEJMoa2600283 2026 ACC/AHA Lipid Guidelines https://www.ahajournals.org/doi/10.1161/CIR.0000000000001423 III CORALreef AddOn CORALreef AddOn Trial https://www.jacc.org/doi/abs/10.1016/j.jacc.2026.03.036 This Week in Caardiology 2-6-26 https://www.medscape.com/viewarticle/1003240 CORALreef Lipids Trial https://www.nejm.org/doi/full/10.1056/NEJMoa2511002 IV Another Post-MI Beta-blocker Withdrawal Study: SMART-DECISION SMART-DECISION Trial https://www.nejm.org/doi/full/10.1056/NEJMoa2601005 ABYSS Trial https://www.nejm.org/doi/full/10.1056/NEJMoa2404204 You may also like: The Bob Harrington Show with the Stephen and Suzanne Weiss Dean of Weill Cornell Medicine, Robert A. Harrington, MD. https://www.medscape.com/author/bob-harrington Questions or feedback, please contact news@medscape.net

Bitcoin Lightning payments, self-custody yield, and stablecoin interoperability are converging on one infrastructure layer, and the companies building it are already seeing massive demand. Tedd Huff, CEO of fintech advisory firm Voalyre and founder of Fintech Confidential, sits down with Jesse Shrader, co-founder and CEO of Amboss Technologies, to break down how Lightning Network infrastructure is reshaping payment processing, treasury strategy, and compliance for fintech operators worldwide.Card networks charge 2% to 5% per transaction. Lightning brings that to 0.29%. Square just announced zero Bitcoin processing fees for its entire retailer network. The Genius Act is flooding the market with stablecoins, but those assets live on blockchains that do not talk to each other. Jesse explains how Taproot Assets on Lightning can unify fragmented stablecoin systems through cross-asset, in-flight currency exchange. He also walks through how Rails, a self-custodial Bitcoin yield product with over 2,600 on its waitlist, lets companies earn yield from payment routing without giving up custody. The conversation includes real founder lessons on fundraising, board strategy, and preparing for a future where AI systems pay each other.FIND OUT MORE1️⃣ Lightning payment processing at 0.29% is a 10x reduction from card network fees; run the math on what your business saves annually.2️⃣ Self-custody yield is now possible on Bitcoin without handing your asset to a third party; Rails automates the infrastructure so you do not need to be an expert.3️⃣ Build your board with the smartest people you have ever met, and replace anyone who is not fully invested in your success.4️⃣ Map your fiat compliance obligations into decentralized payment environments now, before a sanctions violation forces the conversation.5️⃣ Start designing guardrails for AI agents with spending authority; machine-to-machine payments are expected within three to five years.LINKSGuestJesse Shrader on LinkedIn: https://www.linkedin.com/in/shraderjesse/CompanyAmboss Technologies: https://amboss.tech/Amboss Space (Lightning Network Explorer): https://amboss.space/Rails: https://www.amboss.tech/railsAmboss on LinkedIn: https://www.linkedin.com/company/ambosstechFintech ConfidentialPodcast: https://fintechconfidential.com/listenNotifications: https://fintechconfidential.com/accessLinkedIn: https://www.linkedin.com/company/fintechconfidentialX: https://x.com/FTconfidentialInstagram: https://www.instagram.com/fintechconfidentialFacebook: https://www.facebook.com/fintechconfidentialSupportersDFNS provides wallets as a service that is API first, multi-chain by design, and secured with MPC so you can launch across over 50 blockchains without managing private keys. Request a demo at fintechconfidential.com/dfnsSkyflow is a zero trust data privacy vault delivered as an API that lets you collect, secure, and tokenize personal information with built-in features for PCI, CCPA, GDPR, and SOC 2 compliance. Visit skyflowsecure.comHawk AI provides AI tools for real-time payment screening, ML transaction monitoring, and dynamic customer risk rating to make compliance more effective and help fight fraud and financial crime. Visit gethawkai.comAboutJesse Shrader is the CEO and co-founder of Amboss Technologies. He holds a degree in Environmental Resources Engineering from Humboldt State University and previously worked in highway asset management at the Oregon Department of Transportation. His experience handling calls for class action lawsuits against banks exposed him to predatory overdraft practices and pushed him toward building decentralized payment infrastructure.Amboss Technologies is a payment infrastructure and data analytics company built on Bitcoin's Lightning Network, founded in 2021. Its products include Magma (liquidity marketplace), Rails (self-custodial yield), Reflex (compliance automation), and Amboss Space (network explorer).Tedd Huff, CEO of fintech advisory firm Voalyre and host of Fintech Confidential. Fintech Confidential is a production of DD3 Media, bringing you the people, tech, and companies that change how you pay and get paid.Chapters00:01:02 DFNS: Wallets as a Service (Sponsor)00:02:20 Welcome to Web3 with FTC00:02:51 Meet Jesse Shrader and Amboss00:05:32 Rails Launch and Bitcoin Yield Demand00:06:37 From Engineering to Bitcoin Infrastructure00:09:18 Stablecoins, Genius Act, and Interoperability00:12:39 Self-Custody Yield with Rails00:16:40 Why Lightning Over Layer One00:19:08 Amboss Product Suite00:21:45 Compliance, Sanctions, and Reflex00:24:15 Skyflow: Data Privacy Vault (Sponsor)00:25:17 How Rails Generates Yield00:29:31 Lower Fees and Merchant Adoption00:35:24 Founder Lessons and Fundraising00:39:30 Build Your Board Strategically00:41:50 Crystal Ball: AI Paying AI00:45:18 Voltage Partnership Announcement00:47:12 Hawk AI: Fighting Financial Crime (Sponsor)00:47:57 Disclaimer

A landmark 10-year follow-up of the HOST-EXAM trial published in The Lancet challenges a century-old assumption: aspirin may no longer be the default for lifelong secondary prevention after PCI.   Clopidogrel demonstrated a sustained reduction in ischemic and bleeding events (HR 0.86, p=0.005), with benefits that accumulated over time—yet without a mortality difference.   The implication is subtle but profound: we may be witnessing the quiet reshaping of antiplatelet strategy.   In cardiology, tradition often lingers—but data, eventually, prevails.

John Mandrola offers an ACC recap of 5 big trials—Hi-PEITHO, PROTAVI, ORBITA-CTO, CHIPS-BCIS3 and CHAMPION AF This podcast is intended for healthcare professionals only. To read a partial transcript or to comment, visit: https://www.medscape.com/twic I Catheter Based Fibrinolysis of Pulmonary Embolism –Hi PEITHO Fibrinolysis Treatment Validated in Large Trial for Acute Intermediate-Risk PE https://www.medscape.com/viewarticle/fibrinolysis-treatment-validated-large-trial-acute-2026a10009im Ultrasound-Facilitated, Catheter-Directed Fibrinolysis for Acute Pulmonary Embolism (HI PEITHO) https://www.nejm.org/doi/full/10.1056/NEJMoa2516567 National Early Warning Score (NEWS) https://www.england.nhs.uk/ourwork/clinical-policy/sepsis/nationalearlywarningscore/ II PRO-TAVI trial Deferral of percutaneous coronary intervention in patients undergoing transcatheter aortic valve implantation (PRO-TAVI) 10.1016/S0140-6736(26)00308-9 External Link PCI in Patients Undergoing Transcatheter Aortic-Valve Implantation (Notion 3) https://www.nejm.org/doi/full/10.1056/NEJMoa2401513 III ORBITA CTO Sham vs PCI for Angina Relief Tightly Blinded Trial Confirms PCI Reduces Angina in Obstructive Occlusion https://www.medscape.com/viewarticle/tightly-blinded-trial-confirms-pci-reduces-angina-2026a10009ob A Randomized, Placebo-Controlled Trial of Chronic Total Occlusion Percutaneous Coronary Intervention in Stable Angina - ORBITA-CTO https://www.jacc.org/doi/10.1016/j.jacc.2026.03.027 ORBITA 1 10.1016/S0140-6736(17)32714-9 External Link ORBITA 2 https://www.nejm.org/doi/full/10.1056/NEJMoa2310610 DECISION CTO https://www.ahajournals.org/doi/10.1161/CIRCULATIONAHA.118.031313 EuroCTO https://doi.org/10.1093/eurheartj/ehy220   IV CHIPS BCIS3 Impella Supported High-Risk PCI Adoption Before Evidence: CHIP-BCIS3 Humbles Impella https://www.medscape.com/viewarticle/adoption-before-evidence-chip-bcis3-humbles-impella-2026a10009jh Left Ventricular Unloading in High-Risk PCI (CHIP BCIS3) https://www.nejm.org/doi/full/10.1056/NEJMoa2515704 Microaxial Flow Pump or Standard Care in Infarct-Related Cardiogenic Shock (DanGer Shock) https://www.nejm.org/doi/full/10.1056/NEJMoa2312572 V CHAMPION AF – Watchman vs DOAC in Patients With AF CHAMPION-AF Trial Finds LAAC an Alternative for NOAC in Lower-Risk Patients https://www.medscape.com/viewarticle/champion-af-trial-finds-laac-alternative-noac-lower-risk-2026a10009ij Six Reasons Why CHAMPION-AF Should Not Change Practice https://www.medscape.com/viewarticle/six-reasons-why-champion-af-should-not-change-practice-2026a10009i7 Left Atrial Appendage Closure or Anticoagulation for Atrial Fibrillation (CHAMPION AF) https://www.nejm.org/doi/full/10.1056/NEJMoa2517213 Left Atrial Appendage Closure or Medical Therapy in Atrial Fibrillation (CLOSURE AF) https://www.nejm.org/doi/full/10.1056/NEJMoa2513310 You may also like: The Bob Harrington Show with the Stephen and Suzanne Weiss Dean of Weill Cornell Medicine, Robert A. Harrington, MD. https://www.medscape.com/author/bob-harrington Questions or feedback, please contact news@medscape.net

Join an expert-led discussion exploring the safety and clinical outcomes of Class 1c antiarrhythmic therapy following percutaneous coronary intervention (PCI) in patients with new-onset atrial fibrillation, based on insights from a nationwide cohort study. Deep Chandh Raja, MBBS, MD, PhD (Australian National University and Kauvery Hospital) hosts a dynamic conversation with Sandeep Gautam, MD, MPH, FHRS (University of Missouri Health) and Deepak Padmanabhan, MD, FHRS (Narayana Institute of Cardiac Sciences, Bengaluru). Together, they examine real-world data on the use of Class 1c agents in a traditionally high-risk population, addressing long-standing concerns about proarrhythmia and ischemic heart disease. The discussion will highlight patient selection, evolving clinical practice patterns, and implications for guideline-directed management, offering clinicians practical insights into optimizing rhythm control strategies in complex post-PCI patients. Learning Objectives Evaluate the safety profile and clinical outcomes associated with Class 1c antiarrhythmic therapy in patients with new-onset atrial fibrillation following PCI.  Identify appropriate patient selection criteria and clinical considerations when prescribing Class 1c agents in the context of ischemic heart disease. Apply evidence from nationwide cohort data to inform decision-making and optimize rhythm management strategies in post-PCI atrial fibrillation patients. Link to the Article for Discussion Article AuthorsTing-Chun Huang MD, Po-Hsueh Su MD, Hui-Wen Lin MS, Po-Tseng Lee MD, Yu Liao MD, Chao-Yu Chen MD, Li-Hao Yap MD, Sheng-Hsiang Lin PhD, Yi-Heng Li MD, PhD Podcast ContributorsDeep Chandh Raja, MBBS, MD, PhD Sandeep Gautam, MD, MPH, FHRS Deepak Padmanabhan, MD, FHRS   Host and Contributor Disclosure(s): D.C. RajaNothing to disclose. S. Gautam Honoraria/Teaching/Speaking/Consulting: Biosense Webster Fellowship Support: Medtronic Inc., Abbott D. Padmanabhan Nothing to disclose.

Episode Title: Road to Efficiency: Lessons from Lower Makefield Twp. & vialytics on Smarter Pavement Management Episode Summary & Timestamps: 00:00 – Introduction & Episode Overview Meet your host, Shane Silsby, and get an overview of the challenges in modernizing pavement management for local governments.02:20 – Meet the Guests Introduction of Derek Fuller (Public Works Director, Lower Makefield Township, PA) and Marcello Garofalo (VP, vialytics).03:34 – Derek's Background & Township Operations Derek shares his career path, the scope of his department, and unique services like leaf collection.06:04 – Road Maintenance Challenges in Cold Climates Discussion on freeze-thaw cycles, flexible pavements, and the importance of sealing roads.08:24 – The Value of Roadway Assets Why roadways are the township's largest asset and the cost implications.09:21 – Marcello's Background & vialytics Overview Marcello explains his career, the vialytics platform, and its expansion into the US.11:41 – Pressures & Pain Points in Modernization Derek discusses the challenges of justifying modernization, capturing institutional knowledge, and moving toward data-driven decisions.15:56 – Asset Management Framework & Data-Driven Decisions How objective data and AI tools like vialytics help optimize pavement treatment strategies.18:39 – Common Issues in Pavement Management Nationwide Funding and personnel challenges faced by public works departments.21:51 – Digital Assessments & Benefits of vialytics Marcello shares customer feedback, benefits of rapid data collection, and misconceptions about digital asset management.25:25 – How Data is Collected with vialytics Details on the technology, process, and types of data collected (PCI, signs, manholes, etc.).28:28 – Routine Operations & Lessons Learned Derek explains how the township uses vialytics in daily operations and adapts to challenges like weather and leaf coverage.32:11 – Efficiency Gains & Workflow Improvements How vialytics streamlines work orders, asset tracking, and increases operational efficiency.35:52 – Funding & Paying for Modernization Discussion on funding sources, state allocations, and the cost-effectiveness of digital tools.39:21 – Asset Management Impact & Operational Changes How vialytics improves hazard detection, work order management, and overall efficiency.44:04 – Advice & Lessons Learned for Other Municipalities Derek's advice for peers considering modernization: keep it simple, leverage existing technology, and focus on efficiency.47:13 – Final Thoughts & Where to Learn More Marcello and Derek share closing thoughts, and Marcello provides contact info for vialytics.Closing: Thank you to our guests and this episode's sponsor - vialytics. To learn more about vialytics or to get your own free evaluation, visit www.vialytics.com . Finally, don't forget to subscribe to The Public Works Podcast channel for more episodes.#PublicWorks #LeadersSpeak #Infrastructure #Engineering #TPWP

On this episode, buckle up, as the CU Guys walk you thorugh how to revolutionize compliance management with AI-driven engagement scoping that transforms hours into minutes, saving up to a man-month per team. Automate tedious tasks, standardize decision-making, and streamline operations for efficiency. Discover TCT's latest AI features that enhance strategic insights, risk mitigation, and client satisfaction. Learn from Adam Goslin about crafting tailored project templates and boosting accuracy and consistency, leading to increased profitability, reduced stress, and happier teams.Episode Transcript:Today, we're going to chat a little bit about AI and some other cool stuff that's happening with TCT.Now, you have a great time playing around with the buzzword AI. Tell us why you find joy in that.Okay, when AI kind of hit the scene, at this point in the game, I'm going to call it maybe about 18 to 24 months ago, when it first came on the scene, there was, you know, if you use the words AI, then, oh man, it must be amazing, it must be cool, we must do it at all costs. You know, it was just, I love referring to it as the zombie walk toward AI. And, you know, and the funniest part is, is that as I'm seeing these things coming out, oh, you too can use AI to do the, and I'm sitting there going, it's not really using much in the way of actual intelligence, artificial intelligence, it's just they stuck some automation into their system and, you know, called it AI. And I'm like, well, shit, if that was the, if that's the definition that we're all going on with AI, well, hell, I had AI in the TCT portal back in 2015. So I just, I have a, I have some fun, you know, kind of poking at, you know, the folks out there that are, you know, just blasting AI all over the place.I love to make the distinction, we actually had some fun with it, I think, starting with the last PCI conference that we were at last year. You know, where we, you know, threw up a thing about AI and automated intelligence, because, you know, honestly, there's a, yes, there's a blend between the two, you know, you're using, using artificial intelligence really to, you know, to act kind of act independently, or did you just build some automation and call it AI? So now I love, I love screwing around with it a little bit. And, you know, really, part of the fun for me is really giving the folks that are just absolutely abusing the buzzword, you know, giving them a little bit of hell.Nothing wrong with that. Now we have some new functionality coming out to the TCT compliance world. T this one up for us, Adam.Yeah, we've got, you know, we decided to, we've been kind of contemplating this one for a bit and that is, you know, putting some kind of AI style capabilities into the portal where we've got, you know, right now it has to do all to do with engagement scoping. So we're trying to basically mitigate the amount of time that folks have to spend on this. And it's been, you know, kind of a target goal objective of ours for some time. So this functionality actually be coming out, you know, be coming out this coming weekend on the, what is it, the 3rd of April.So no, 4th, my bad, 4th of Saturday, apparently my math's not math thing here. So I got, you know, but we wanted to be able to take engagement scoping and, you know, where, you know, folks would have to spend hours of, you know, going through engagements and getting them, you know, kind of lined up, etc. We've got, you know, we've got this kind of integrated, you know, AI style scoping tool that's intended to remove a lot of the busy work that folks have to do in the beginning of the engagements.

A single data breach now costs a business an average of $1.4 million, according to the annual IBM report. For a small or medium-sized business (SMB), this hit is often terminal—most companies that suffer a major breach struggle to stay in business longer than six months.In this episode, Matt "Heff" Heffelfinger, Director of SOC Operations at SecurityMetrics, joins us to discuss why many business owners are operating under a false sense of security. We dive into the "Insurance Trap," where carriers deny claims because basic security activities weren't performed, and outline the four critical areas where every small IT team should focus their limited resources.We're moving past the technical jargon of Security Operations Centers (SOC) to give you a practical, budget-friendly roadmap for cyber hygiene that actually protects your bottom line.Key Takeaways:The Insurance Reality Check: Why having a policy isn't enough if you aren't doing the "basics".The 4 Pillars of SMB Focus: Matt breaks down the essential tasks for a team of one: Access Control, Network Scanning, Patch Management, and Basic Cyber Hygiene.Automating Your Defense: How to make one IT person feel like an entire "battalion" using inexpensive automation tools.The 10% Rule: Why allocating 10% of your IT budget to cybersecurity is the tipping point for graduating from "check-the-box" compliance to real security.Anatomy of a SOC: What happens when threat hunters find an "Event of Interest," such as unauthorized traffic heading to Russia at 3:00 AM.The AI Threat: How bad guys are upscaling and automating their attacks, making SMBs easier targets than ever before.About Our Guest:Matt Hessel is a Utah-based cybersecurity professional and the Director of SOC Operations at SecurityMetrics. With a career spanning over 20 years—starting at the helpdesk at TJ Maxx and Marshalls during their historic 2006 breach—Matt brings a unique "boots on the ground" perspective to protecting small businesses.Resources Mentioned:SecurityMetrics SOC Services: https://www.securitymetrics.com/pulseIBM Cost of a Data Breach Report 2025: https://www.ibm.com/think/insights/data-matters/cost-of-a-data-breachSecurityMetrics Certifications:PCI QSA | ASV | PFI | HITRUST | Forensic InvestigatorA note from Jen: We built Practical Cybersecurity because we were tired of the fear-mongering in this industry. Security shouldn't be a secret club.If you're trying to figure out PCI compliance or need a pen test, my team at SecurityMetrics can help you out: https://www.securitymetrics.com/contact/lets-get-you-to-the-right-place But if you just want to learn how to protect yourself for free, start here:  https://academy.securitymetrics.com/ 

Unified commerce and European payments are under pressure as merchants juggle fragmented vendors, local debit schemes, and country-by-country compliance. Tedd Huff, CEO of fintech advisory firm Voalyre and founder of Fintech Confidential, sits down with Niv Liran, Chief Product and Technology Officer at Unzer, to break down how one platform serves over 85,000 merchants across Germany, Austria, Switzerland, and Denmark.Niv explains how Unzer consolidated 13 acquired companies into a single system using a one-application-per-purpose rule, why local language sales and compliance expertise outperform global common-denominator approaches, and how open banking and the European Payments Initiative are creating new payment rails. The conversation gets specific on merchant migration tactics, daily workflow savings from eliminating multi-vendor reconciliation, and where AI-powered tools fit for small businesses within the next three to five years.FIND OUT MORE1️⃣ Gate your best features to the new platform so merchants have a reason to migrate without being forced.2️⃣ Ask prospects to walk through their daily actions before pitching; let the pain sell the solution.3️⃣ Set a one-app-per-purpose rule before consolidation starts to prevent political gridlock across acquired teams.4️⃣ Test every partnership against two filters: does it help the merchant, and will consumers actually adopt it.5️⃣ Connect directly to local accounting software in each market; it locks in retention and kills reconciliation overhead.GuestNiv Liran on LinkedIn: https://www.linkedin.com/in/nivliranUnzer: https://www.unzer.comFintech ConfidentialPodcast: https://fintechconfidential.com/listenNotifications: https://fintechconfidential.com/accessLinkedIn: https://www.linkedin.com/company/fintechconfidentialX: https://x.com/FTconfidentialInstagram: https://www.instagram.com/fintechconfidentialFacebook: https://www.facebook.com/fintechconfidentialSupporters of Fintech ConfidentialUnder.io: Streamlines application and underwriting by digitizing PDFs for e-signature. under.io/FTCSkyflow: A zero-trust data privacy vault delivered as an API covering PCI, CCPA, GDPR, SOC 2, and beyond. skyflowsecure.comDFNS: Wallets as a service, API first, multi-chain, secured with MPC across 50+ blockchains. fintechconfidential.com/dfnsHawk AI: Real-time payment screening, AML transaction monitoring, and dynamic customer risk rating. gethawk.comAbout the GuestNiv Liran is Chief Product and Technology Officer at Unzer. He entered fintech at Groupon in Berlin solving chargebacks on billions in monthly volume, then held leadership roles at Rocket Internet and AUTO1 Group, where he scaled the tech department from 5 to over 350 employees. He holds a B.Sc. in Computer Science and an MBA from INSEAD.About UnzerUnzer is a payments and commerce platform serving more than 85,000 merchants across Germany, Austria, Denmark, and Luxembourg with unified online, in-store, and back-office solutions through its UnzerOne platform.About the HostTedd Huff, CEO of fintech advisory firm Voalyre and founder of Fintech Confidential. Produced by DD3 Media, Fintech Confidential brings you the people, tech, and companies that change how you pay and get paid.Chapters00:00 Episode Highlights01:02 Welcome to Fintech Confidential01:10 DFNS: Wallets as a Service (sponsor)02:32 Meet Niv Inbar05:08 Why Unified Commerce Is Hard07:02 Falling Into Payments09:46 Unser vs Stripe Adyen11:30 Localizing Across Europe12:44 One Platform Consolidation15:12 Merchant Migration Playbook17:43 Merchant Day to Day Example20:21 Skyflow - Your Privacy API (sponsor)21:18 Taming Local Debit Schemes23:29 Selling ROI and Reducing Risk26:29 Partnerships Open Banking EPI29:20 EPI and Digital Wallet Future31:06 Market Consolidation Ahead32:27 Crystal Ball Unified Commerce35:26 AI Agents for Small Business37:32 One Sentence Founder Advice39:11 Wrap Up Key Takeaways41:03 Hawk AI - Realtime Fraud Monitoring (sponsor)41:47 Disclaimer

Your spreadsheet won't hold up in foreclosure court—and it's killing your note's resale value. Here's the fintech solution that costs less than your monthly Netflix subscription.In this episode, Dave and Nathan sit down with Ted Tekippe, CEO of Zimple Money, to explore how cloud-based loan servicing software is revolutionizing note investing. Ted breaks down exactly why third-party loan records beat your spreadsheet every time, how to pass 100% of servicing costs to your borrowers, and why note buyers like Dave pay HIGHER prices for professionally serviced notes.To obtain this week's Real Estate Notes Show guest Ted Tekippe's information, use this link https://bit.ly/472pftV

On this episode, unlock the secrets to making SOC 2 compliance a strategic advantage with host Todd Coshow and expert Adam Goslin. Learn how to streamline your process, leverage existing frameworks, and implement continuous compliance strategies. This episode is perfect for security leaders and tech founders looking to simplify SOC 2 and enhance client trust. Tune in to transform compliance from a burden into a superpower.Episode Transcript:We're gonna be talking about the journey Adam. That's right This sock to journey and most importantly how to simplify your sock to journey So as we jump in maybe you can let the folks know The sock to feel so gosh darn hardWell, the major difference is just, you know, structurally in general, you know, compliance is an arena that can get messy. It's got a lot of manual engagement in it. It's overwhelming at times.You know, the talk too adds complexity because it's not a checklist style of, you know, of a compliance standard. There's not some checklist that we go down, you know, check these boxes and hopefully, you know, hopefully get there. You know, at the end of the day, you know, folks are looking to make the process a little bit easier and, you know, we're here to help.Sure, I appreciate that. Now for the novices out there, myself included, what is SOC 2, actually?It's kind of a directional framework where there are criteria that, you know, criteria that need to be met. And so, you know, the kind of the job, if you will, the assessor's job is to kind of look at that directional framework, you know, of these criteria or objectives that need to be met.And then they need to evaluate the kind of controls that the organization has put in place and the testing steps for those controls to validate, you know, has the organization fundamentally met the, you know, met the objective of the criteria of that particular section, you know, that, you know, the focus that is that aspect of the control set. So it's more of a directional framework and not nearly as prescriptive.That's interesting. Speaking of prescriptive search, for the listeners of this show, they're more familiar with, say, PCI.As you're looking at SOC 2 versus PCI, there's got to be a mindset shift, right? What's the difference, really?Well, in the PCI world, and I mean, honestly, for a long time, the very first standard that I had to go up against was PCI. And in many ways, it's easier. If I want to go handle access control, then I do these 35 things, and if I can be compliant. So PCI is far more prescriptive, and it's been that way for a long time.Where other standards, you know, like we're talking about SOC 2 today, but HIPAA falls into a similar boat, you know, where it's more meet this objective. How do you go about meeting that objective? Well, you got to prove out that, you know, the things that you're doing for your organization are, you know, are in alignment with the criteria. So it's a different style of an approach to how to go about meeting the requirements of the standard.Well, why does SOC 2 get so complicated?Well, I mean, because it, when they've got, you know, where you need you to meet this criteria, right? Well, I mean, that'd be like me, you know, whatever. You're, you're, you're, you're in California. I'm in Michigan, right?Um, you know, I want you to, you know, I want you to, I want you to lay out the route that one would take to get from California to Michigan. Well, I mean, shit, I mean, I go, I go up the west coast, cut across by Canada. Uh, you know, like I go through Canada, I could, you know, cut the, the closest diagonal, I could decide to go on a coast East coast road trip, all of them are going to get me there, right? Um, you know, there's, there's, there's a million ways that you can, that you can go about doing these and, uh, you know, what, what I've seen on the, on the SOC 2 engagements

* Glucagon-like peptide-1 receptor agonists and risk of substance use disorders among US veterans with type 2 diabetes: cohort study* Immediate or Deferred Nonculprit-Lesion PCI in Myocardial Infarction* Andrew's previous SM post on the subject: How a Meta-Analysis can Mislead—The Story of Complete vs Culprit-only PCI in STEMIAnd, a bunch of the other studies we discussed.* Complete Revascularization with Multivessel PCI for Myocardial Infarction* FFR-Guided Complete or Culprit-Only PCI in Patients with Myocardial Infarction* Initial Invasive or Conservative Strategy for Stable Coronary Disease This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.sensible-med.com/subscribe

‍ ‍DESCRIPTION‍ ‍Brett Wood, President of Wood Solutions Group, discusses parking consulting, baseball and Wood Solutions Group.‍ ‍SPONSORS‍ ‍This episode is brought to you by ParkOrder - the leading work order and project management tool built specifically for the parking industry. From tracking garage maintenance crews to managing office tasks, ParkOrder keeps your team organized and accountable. Whether it's the ability for parkers to report work orders, the leaderboard competition, or employee rewards, see what all the hype is about at parkorder.io. Get started today for just $5 per user per month.‍ ‍This episode is brought to you by Parking Today and the Parking Today Podcast Network. Learn more at parkingtoday.com/podcast.‍ ‍This episode is brought to you by Parker Technology. When something goes wrong in your parking operation, somebody has to handle it. Parker Technology offers the software, the data, and the U.S.-based specialists to step in where automation stops short - so your guests get help and your revenue stays protected. Every exception, handled. Learn more at parkertechnology.com/parkingpodcast.‍ ‍This episode is brought to you by Scheidt & Bachman USA. Scheidt & Bachmann USA markets state-of-the-art Parking Solutions and Fare Collection Systems: the most innovative and advanced solutions in the US. Learn more at scheidt-bachmann-usa.com.‍ ‍This episode is brought to you by Breeze: Parking Concepts' digital platform that makes the parking experience a Breeze! For more than 50 years, PCI has been proactively managing parking & transportation operations with unparalleled integrity & service. Learn more at parkingconcepts.com.‍ ‍Order The Shoup Doctrine: Essays Celebrating Donald Shoup and Parking Reforms and use Promo Code 26SMA1 for a 25% Discount here: https://www.routledge.com/The-Shoup-Doctrine-Essays-Celebrating-Donald-Shoup-and-Parking-Reforms/Hess/p/book/9781032733920‍ ‍Use Promo Code PARKINGPOD26 for a complimentary registration to PIE 2026. parkingtoday.com/pie26/attendee-store/‍ ‍WEBSITES AND RESOURCES‍ ‍https://www.parkingcast.com/‍ ‍https://parkingtoday.com/podcast/‍ ‍parkorder.io‍ ‍www.parkertechnology.com/parkingpodcast‍ ‍scheidt-bachmann-usa.com‍ ‍parkingconcepts.com‍ ‍https://www.routledge.com/The-Shoup-Doctrine-Essays-Celebrating-Donald-Shoup-and-Parking-Reforms/Hess/p/book/9781032733920‍ ‍parkingtoday.com/pie26/attendee-store/ ‍ ‍woodsolutionsgroup.com‍ ‍MERCH‍ ‍Check out some of our awesome parking themed t-shirts and other merch at parkingcast.com/swag.‍ ‍MUSEUM‍ ‍Check out some of our artifacts from the world's first parking museum at parkingcast.com/museum.

Crypto tax software flaws, IRS audit risk, and data manipulation are putting millions of investors in danger. Tedd Huff, CEO of fintech advisory firm Voalyre and founder of Fintech Confidential, sits down with Janna Scott, founder and CEO of DeFi Tax and an IRS Enrolled Agent, to break down why the tools crypto investors trust may fail them in an audit.Janna conducted forensic audits of 14 major crypto tax platforms and 53 firms claiming crypto tax expertise. The same 70 transactions produced a $99 gain on one platform, a $2,990 gain on another, and a $351 loss on a third. She explains how platforms allow users to edit immutable on-chain data like dates, currency types, and cost basis, making reports inadmissible in audits the same way the IRS rejects QuickBooks files. Her peer-reviewed research, published in Tax Notes, was shared with the IRS crypto division and SEC FinHub, and contributed to pausing IRS crypto audits. With enforcement expected to resume within months, this is a wake-up call for anyone holding or trading crypto.FIND OUT MORE1️⃣ Screenshot your crypto tax reports now; platforms have silently changed algorithms, producing 25-35% different results on the same historical data without notifying users.2️⃣ Never edit immutable transaction fields like dates, spot prices, fees, or cost basis; the IRS treats altered reports the same way it treats manipulated bank statements.3️⃣ Connect every wallet and exchange login you have ever used, including discontinued US exchanges, so transfers are not misclassified as taxable income.4️⃣ Run your transaction data through multiple products and compare results; if the numbers diverge significantly, get professional review before filing.5️⃣ Ask any firm claiming crypto tax expertise whether they can manually calculate your transactions and defend the work in front of the IRS before you pay them.Guest LinksJanna Scott | DeFi TaxWebsite: https://defitax.us/X: https://x.com/defitax_usFintech Confidential LinksPodcast: https://fintechconfidential.com/listenNotifications: https://fintechconfidential.com/accessLinkedIn: https://www.linkedin.com/company/fintechconfidentialX: https://x.com/FTconfidentialInstagram: https://www.instagram.com/fintechconfidentialFacebook: https://www.facebook.com/fintechconfidentialSupportersDFNS provides wallets as a service that is API first, multi-chain by design, and secured with MPC so you can launch across over 50 blockchains without managing private keys. Request a demo at fintechconfidential.com/dfnsSkyflow is a zero trust data privacy vault delivered as an API that lets you collect, secure, and tokenize personal information with built-in features for PCI, CCPA, GDPR, and SOC 2 compliance. Visit skyflowsecure.comHawk AI provides AI tools for real-time payment screening, ML transaction monitoring, and dynamic customer risk rating to make compliance more effective and help fight fraud and financial crime. Visit gethawkai.comAbout the GuestJanna Scott is the founder and CEO of DeFi Tax, an IRS Enrolled Agent, and an MBA with over 20 years of experience in tax compliance, financial analysis, and government finance. Her forensic research across 14 platforms and 53 firms was peer reviewed, published in Tax Notes, and shared with the IRS and SEC.About the CompanyDeFi Tax is a crypto tax compliance platform that calculates obligations using direct blockchain data, locks immutable transaction fields, traces NFT basis through the chain of custody, and supports users through audit and tax court.About the HostTedd Huff, CEO of fintech advisory firm Voalyre and founder of Fintech Confidential. Produced by DD3 Media, Fintech Confidential brings you the people, tech, and companies that change how you pay and get paid.Chapters00:00 Episode Highlights01:07 Welcome to Fintech Confidential01:15 Dfns: Wallets as a Service (sponsor)02:37 Show Intro and Guest06:13 Jana Origin Story09:15 Inside Government View11:38 John Doe Summonses15:43 Forensic Platform Audits22:05 Transfers and 1099 Traps24:41 Variance and Real Costs29:04 Taking Findings to Regulators32:16 Terms Changes and Report Drift34:07 Building It Yourself34:59 Why Reports Fail Audits35:39 Sky Flow: Building Fast and Secure (sponsor)36:41 Cryto Tax and Quickbooks38:46 Editing Breaks Credibility40:27 Defi Tax Guardrails42:24 Validator Income Burn Fees43:25 NFT Basis Tracing45:08 Pricing Sources Averaging46:29 Self Transfer Verification48:53 Audit Packets Evidence49:41 Silent Algorithm Changes54:00 Enforcement Crystal Ball56:05 Middle Class Snowball59:08 Practical Wallet Tracking01:02:05 Recap And Next Steps01:05:09 Show Wrap01:06:18 Hawk AI (sponsor)01:07:04 Disclaimer

Are your IT or cloud providers handling your security? Does your site claim you're "HIPAA Compliant"? Donna Grindle, CEO of Kardon and co-host of Help Me With HIPAA, delivers a massive reality check for small business owners. We break down the difference between gap analysis and a true SRA, why IT speaks a different language, and how the "CREMATE" method finds your data.Key TakeawaysResponsibility Can't Be Outsourced: Cloud apps and IT companies don't make you secure; you outsource liability, not responsibility.Real SRA vs. Gap Analysis: If your risk analysis lacks likelihood, impact, and strategy, it's just a gap analysis—and you're exposed.CREMATE Your Data: Map PHI by tracking where you Create, Receive, Maintain, and Transmit itBusiness Associates (BA): If unauthorized access by a vendor would count as a breach, they are a BA.Documentation & AI: Use AI to draft policies from your bullets, but treat it like a fallible assistant and always verify the output.Frameworks: Use HICP 405(d) to get IT and management speaking the same security language."If you put on your website that you're HIPAA compliant, immediately I'm concerned." — Donna GrindleLinks:Kardon: https://kardonhq.comHelp Me With HIPAA Podcast: https://helpmewithhipaa.com/HHS Website: https://www.hhs.gov/about/agencies/asa/ocio/cybersecurity/security-awareness-training/index.htmlHICP 405(d) Guidelines: https://405d.hhs.gov/Timestamps0:00 – Why a "HIPAA Compliant" Badge is a Red Flag1:26 – Understanding HIPAA Covered Entities & Obligations2:14 – The Difference Between Awareness Training and Security3:18 – Why Your SRA Might Just Be a Gap Analysis4:40 – Building an Inventory: You Can't Protect What You Don't Find6:22 – Using the "CREMATE" Method for Data Mapping8:21 – Why IT Cannot Be the "Department of No"9:40 – Standardizing Communication with the HICP 405(d) Framework10:41 – How to Document Your Policies (and Use AI to Help)12:39 – The Easy Way to Tell if a Partner is a Business Associate13:50 – Business Associate Red FlagsA note from Jen: We built Practical Cybersecurity because we were tired of the fear-mongering in this industry. Security shouldn't be a secret club. If you're trying to figure out PCI compliance or need a pen test, my team at SecurityMetrics can help you out: https://www.securitymetrics.com/contact/lets-get-you-to-the-right-place But if you just want to learn how to protect yourself for free, start here: https://academy.securitymetrics.com/

What happens when the news cameras show up and your business grinds to a halt? Donna Grindle, CEO of Kardon, returns to discuss the "hair on fire" reality of a data breach. We move past the paperwork to explore why "calling IT" isn't a plan, the hidden costs of notification letters, and how insurance mazes can complicate your recovery.Key Takeaways"Call IT" is Not a Plan: During a breach, IT will be busy containing the threat; you need an operational plan for when systems and phones go dark.The Paperwork Trap: Reverting to paper records stops cash flow because you aren't sending claims or bills—plus, you eventually have to manually re-enter all that data.Media & Legal Circus: If 500+ records are hit, you must notify the press. This often triggers immediate "ambulance chaser" lawsuits on social media.Tabletop Exercises: Don't find gaps in your plan during a crisis. Run practice drills to know who is authorized to speak for the company and what vendors to call.Insurance Realities: Open claims immediately to protect legal privilege, but be ready for insurance-mandated vendors that may span several time zones."Take ownership of it. Don't assume that somebody else in your office is handling it... You will likely lose your business or be on the verge of it if you are not prepared in some way." — Donna Grindle Key Concepts:Security Incident vs. Data Breach - A security incident is a panic-inducing event that requires investigation, but it may or may not officially escalate into a data breach that requires regulatory reporting.Incident Response Plan (IRP) - A comprehensive strategy that covers far more than just IT recovery; it must dictate how you communicate with employees, vendors, and clients during a crisis.Tabletop Exercise - A low-stakes practice run of your Incident Response Plan to poke holes in it before an actual emergency. It helps you figure out exactly who is in charge, who you are calling, and who is authorized to speak publicly.Links:Kardon: https://kardonhq.com/Help Me With HIPAA Podcast: https://helpmewithhipaa.com/Timestamps00:00 – Intro00:54 – Cyber Incidents vs Breaches in a HIPAA Context01:26 – Why Operational Continuity Cannot be an IT Responsibility03:02 – Questions to Ask During a Tabletop Exercise03:50 – Talking to Patients on Facebook04:06 – More Questions to Ask During a Cyber Incident05:13 – Even "Calling My MSP" Isn't an Incident Response Plan05:37 – When a Cyber Incident Becomes a Breach06:09 – "Can't We Just Send a Postcard?"06:32 – Steps to Respond to a HIPAA Breach09:03 – Final Summary: Shifting to Active Security Ownership09:59 – Where to Find Donna Grindle & KardonA note from Jen: We built Practical Cybersecurity because we were tired of the fear-mongering in this industry. Security shouldn't be a secret club. If you're trying to figure out PCI compliance or need a pen test, my team at SecurityMetrics can help you out: https://www.securitymetrics.com/contact/lets-get-you-to-the-right-place But if you just want to learn how to protect yourself for free, start here: https://academy.securitymetrics.com/

What does it mean to move with purpose in a world full of distractions? In this special 11th Anniversary message, Pastor Ernest Almond of Higher Definition Church in Jacksonville issues a powerful call to action: ENGAGE. Drawing from 1 Corinthians 9:19-23, Pastor Ernest explores how the Apostle Paul became "all things to all people" to win as many as possible.This message challenges the "prosperous church" in America to move beyond religious patterns and tradition to embrace the Great Commission. Discover the PCI approach—a practical strategy to prioritize people through Prayer, Communication, and Invitation. Whether you are a longtime believer or just starting your spiritual journey, this anniversary teaching will inspire you to de-center yourself and become a conduit of God's grace in Jacksonville.

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Open banking fees, stablecoin regulation, and AI-first payment systems are reshaping how money moves in the US. Tedd Huff, CEO of fintech advisory firm Voalyre and founder of Fintech Confidential, sits down with David Glaser, CEO of Dwolla, to unpack what's changing, what's breaking, and what smart operators are doing about it right now.Find out more JP Morgan's decision to charge for open banking access is forcing the entire industry to rethink how apps connect to bank account data. Real-time payment rails like RTP and FedNow are live but adoption is slow because not every use case needs instant settlement. Dwolla scaled without hiring a single net-new employee in two years by mapping every process into what can be automated and what still needs a human. This episode covers the frameworks, the data signals, and the strategy shifts that matter most if you're building or running anything in payments today.TAKEAWAYS1️⃣ Build with AI from day one and treat new hires as a last resort, not a first instinct.2️⃣ Rework your product fast because major AI releases absorb startup features every six months.3️⃣ Attack your biggest operational bottleneck first, even if you can only automate half of it.4️⃣ Track every internal handoff to find where delays, errors, and hidden costs are piling up.5️⃣ Set team values that reward discomfort so your people adopt new tools without waiting for a mandate.GUESTDavid Glaser: https://www.linkedin.com/in/daglaserCOMPANYDwolla: https://www.dwolla.comDwolla LinkedIn: https://www.linkedin.com/company/dwollaDwolla YouTube: https://www.youtube.com/c/dwollaplatformFINTECH CONFIDENTIALPodcast: https://fintechconfidential.com/listenNotifications: https://fintechconfidential.com/accessLinkedIn: https://www.linkedin.com/company/fintechconfidentialX: https://x.com/FTconfidentialInstagram: https://www.instagram.com/fintechconfidentialFacebook: https://www.facebook.com/fintechconfidentialSUPPORTERSUnder.io: Digitize your PDFs and streamline application and underwriting processes. Get started free at under.io/FTCSkyflow: A zero trust data privacy vault delivered as an API covering PCI, CCPA, GDPR, and SOC 2. Visit skyflowsecure.comDFNS: Wallets as a service, API first, multi-chain, secured with MPC across 50+ blockchains. Request a demo at fintechconfidential.com/dfnsHawk AI: Real-time payment screening and AML transaction monitoring to cut false positives. Sign up for a demo at gethawk.comABOUTGuestDavid Glaser is CEO of Dwolla with over 25 years of payments experience spanning global leadership roles at Mastercard, Worldpay, CyberSource, and Visa. He grew up in a small coal mining town south of Pittsburgh, originally planned to become a high school math teacher, and has since led teams through some of the industry's biggest deals including Worldpay's $10.4 billion merger with Vantiv. Outside of payments, he's completed multiple Ironman triathlons and 70.3 races.CompanyDwolla is a leader in account-to-account payments in the US, offering a full-service platform that replaces legacy technology with a unified solution supporting ACH, Same Day ACH, RTP, and FedNow. Over 500 businesses partner with Dwolla to improve payment security, data visibility, and cash flow.HostTedd Huff is CEO of fintech advisory firm Voalyre and founder of Fintech Confidential. With 25+ years in the industry, he brings entertaining and informative content focused on fintech insights, market trends, and stories from leaders, thinkers, and doers.DD3 MediaFintech Confidential is a production of DD3 Media. All rights reserved.CHAPTERS00:00 Highlights02:06 Under.io: Streamlining Application Processes02:35 Introduction to FinTech Leaders One-on-One02:48 Meet David Glaser, CEO of Dwolla05:29 Payment Industry Then vs. Now08:03 Open Banking and AI in Payments08:55 JP Morgan's Open Banking Fee Announcement14:06 Payment Methods and Account Access14:36 Scaling Operations at Dwolla15:03 Modernizing Homegrown Systems16:26 AI and Automation in Payments17:20 Skyflow: Your Privacy API18:31 Balancing Founder Mindset with Scale19:22 Automating Back Office Processes21:52 Identifying What to Systemize Next29:52 Economic Signals in Transaction Data31:01 Interest Rate Impact on Fintech32:43 Predicting Trends with Payment Data35:04 Centralizing Data for AI Readiness37:21 Account-to-Account and Real-Time Rails38:21 Real-Time Payment Use Cases41:00 DFNS: Wallets as a Service42:39 Choosing the Right Payment Method44:09 Orchestrating Across Multiple Rails46:58 Vertical SaaS and Embedded Payments48:37 The Future of Stablecoins50:23 AI and Stablecoins Together54:21 Advice for Fintech Founders58:07 Hawk AI: Real-Time Fraud Monitoring58:52 Disclaimer

This week, we explore a phase 3 trial of finerenone in type 1 diabetes and chronic kidney disease and guidance on timing of nonculprit-lesion PCI after STEMI. We cover an investigational therapy for Dravet syndrome and neoadjuvant treatment for high-risk intrahepatic cholangiocarcinoma. We review the effects of radiotherapy on normal tissue, a puzzling case of progressive neurologic decline after suspected foodborne illness, and Perspectives on private equity, the AHEAD model, and medical credit cards.

‍ ‍DESCRIPTION‍ ‍Kevin Uhlenhaker and Katherine Beaty, Board of Trustee Members with The Parking Hall of Fame, discuss the Induction Ceremony and Dinner Sponsorship Opportunities.‍ ‍SPONSORS‍ ‍This episode is brought to you by ParkOrder - the leading work order and project management tool built specifically for the parking industry. From tracking garage maintenance crews to managing office tasks, ParkOrder keeps your team organized and accountable. Whether it's the ability for parkers to report work orders, the leaderboard competition, or employee rewards, see what all the hype is about at parkorder.io. Get started today for just $5 per user per month.‍ ‍This episode is brought to you by Parking Today and the Parking Today Podcast Network. Learn more at parkingtoday.com/podcast.‍ ‍This episode is brought to you by Parker Technology, the customer experience solution of choice for the parking industry. Their solution puts a virtual ambassador in every lane, to help parking guests pay and get on their way in under a minute. Learn more at parkertechnology.com/parkingpodcast and subscribe to our podcast “Harder Than It Looks: Parking Uncovered.”‍ ‍This episode is brought to you by Scheidt & Bachman USA. Scheidt & Bachmann USA markets state-of-the-art Parking Solutions and Fare Collection Systems: the most innovative and advanced solutions in the US. Learn more at scheidt-bachmann-usa.com.‍ ‍This episode is brought to you by Breeze: Parking Concepts' digital platform that makes the parking experience a Breeze! For more than 50 years, PCI has been proactively managing parking & transportation operations with unparalleled integrity & service. Learn more at parkingconcepts.com.‍ ‍Order The Shoup Doctrine: Essays Celebrating Donald Shoup and Parking Reforms and use Promo Code 26SMA1 for a 25% Discount here: https://www.routledge.com/The-Shoup-Doctrine-Essays-Celebrating-Donald-Shoup-and-Parking-Reforms/Hess/p/book/9781032733920‍ ‍Use Promo Code PARKINGPOD26 for a complimentary registration to PIE 2026. parkingtoday.com/pie26/attendee-store/‍ ‍WEBSITES AND RESOURCES‍ ‍https://www.parkingcast.com/‍ ‍https://parkingtoday.com/podcast/‍ ‍parkorder.io‍ ‍www.parkertechnology.com/parkingpodcast‍ ‍scheidt-bachmann-usa.com‍ ‍parkingconcepts.com‍ ‍https://www.routledge.com/The-Shoup-Doctrine-Essays-Celebrating-Donald-Shoup-and-Parking-Reforms/Hess/p/book/9781032733920‍ ‍parkingtoday.com/pie26/attendee-store/ ‍ ‍https://www.parkinghalloffame.org/inductees‍ ‍https://www.parkinghalloffame.org/support‍ ‍https://www.parkinghalloffame.org/dinner26‍ ‍MERCH‍ ‍Check out some of our awesome parking themed t-shirts and other merch at parkingcast.com/swag.‍ ‍MUSEUM‍ ‍Check out some of our artifacts from the world's first parking museum at parkingcast.com/museum.

eGolf Waiver is a cloud-based digital platform that helps golf courses replace traditional paper waivers with an efficient electronic system. The platform streamlines the collection and storage of liability waivers, especially for golf cart rentals and equipment use, enhancing risk management, saving time and printing costs, and improving the experience for both members and guests. On this episode of The Wednesday Match Play Podcast, brought to you by Eden Mill St Andrews, James gives an overview of eGolf Waiver and how it helps clubs reduce insurance premiums. He also explains why cloud-based solutions matter, highlights their global client list, and shares the connection to Contractor-HQ. We also get into PCI compliance and the training materials available. This conversation was focused on risk, and it was an honor having James back on the show. Let's tee off.

‍ ‍DESCRIPTION‍ ‍Kevin Uhlenhaker, CEO & Publisher of Parking Today Media, discusses the Parking Industry Expo.‍ ‍SPONSORS‍ ‍This episode is brought to you by ParkOrder - the leading work order and project management tool built specifically for the parking industry. From tracking garage maintenance crews to managing office tasks, ParkOrder keeps your team organized and accountable. Whether it's the ability for parkers to report work orders, the leaderboard competition, or employee rewards, see what all the hype is about at parkorder.io. Get started today for just $5 per user per month.‍ ‍This episode is brought to you by Parking Today and the Parking Today Podcast Network. Learn more at parkingtoday.com/podcast.‍ ‍This episode is brought to you by Parker Technology, the customer experience solution of choice for the parking industry. Their solution puts a virtual ambassador in every lane, to help parking guests pay and get on their way in under a minute. Learn more at parkertechnology.com/parkingpodcast and subscribe to our podcast “Harder Than It Looks: Parking Uncovered.”‍ ‍This episode is brought to you by Scheidt & Bachman USA. Scheidt & Bachmann USA markets state-of-the-art Parking Solutions and Fare Collection Systems: the most innovative and advanced solutions in the US. Learn more at scheidt-bachmann-usa.com.‍ ‍This episode is brought to you by Breeze: Parking Concepts' digital platform that makes the parking experience a Breeze! For more than 50 years, PCI has been proactively managing parking & transportation operations with unparalleled integrity & service. Learn more at parkingconcepts.com.‍ ‍Use Promo Code PARKINGPOD26 for a complimentary registration to PIE 2026. parkingtoday.com/pie26/attendee-store/‍ ‍WEBSITES AND RESOURCES‍ ‍https://www.parkingcast.com/‍ ‍https://parkingtoday.com/podcast/‍ ‍parkorder.io‍ ‍www.parkertechnology.com/parkingpodcast‍ ‍scheidt-bachmann-usa.com‍ ‍parkingconcepts.com‍ ‍parkingtoday.com/pie26/attendee-store/ ‍ ‍MERCH‍ ‍Check out some of our awesome parking themed t-shirts and other merch at parkingcast.com/swag.‍ ‍MUSEUM Check out some of our artifacts from the world's first parking museum at parkingcast.com/museum.

In this episode of the Heart podcast, Digital Media Editor Professor James Rudd is joined by Dr Craig Balmforth from the University of Edinburgh. They discuss the rationale for identifying high-risk plaque, how imaging can help, and emerging therapies, including PCI. If you enjoy the show, please leave us a positive review wherever you get your podcasts. It helps us to reach more people - thanks! Link to published paper: https://heart.bmj.com/content/112/1/13.long

Welcome back to another episode of the unSeminary podcast. Today we're joined by Jeff Beachum and Curt Banter from Portable Church Industries (PCI), a company that has helped more than 4,000 churches launch, expand, and thrive in portable environments over the past 25+ years. PCI specializes in helping churches create high-quality worship, kids, and guest experiences in rented or temporary venues—without sacrificing excellence, volunteer health, or long-term strategy. Is your church growing and starting to feel the pressure of limited space? Are you wrestling with what comes next when your building is full but a permanent solution feels years away? Curt and Jeff share how portable solutions can help churches keep momentum, reach more people, and make wise long-term decisions—without rushing into costly permanent buildings too soon. Recognizing the capacity tipping point. // When churches reach 70–80% capacity, leaders begin to feel pressure everywhere—parking, kids' environments, hallways, volunteer fatigue, and seat availability. At that point, growth doesn't slow because of lack of vision; it slows because of physical constraints. Leaders often start “chasing capacity,” stacking services or squeezing rooms, but those solutions eventually hit a wall. The real question becomes how to keep momentum going without rushing into a long-term decision that may limit future flexibility. Why waiting too long can stall growth. // Waiting to see what happens with growth can quietly kill momentum. When guests can't find seats or families feel crowded, people stop inviting friends—even if the preaching and worship are strong. While overflow rooms may solve logistics, they rarely create the same invitational energy. Churches must respond to growth with courage, believing that God is at work and making room for what He's doing. Portable as a strategic bridge, not a shortcut. // One of the biggest misconceptions is that portability is a cheap or temporary compromise. In reality, portability often serves as a strategic incubation phase—a way to grow now while preparing for long-term solutions later. Portable environments allow churches to launch new locations in months instead of years, often at 3–7% of the cost of permanent construction. Why permanence shouldn't be your first move. // Permanent buildings come with long timelines, heavy capital costs, and irreversible decisions. By contrast, portable systems allow churches to test locations, leadership capacity, volunteer systems, and community engagement before committing to bricks and mortar. In many cases, churches reuse or retool their portable systems for future campuses, making portability a repeatable growth engine rather than a one-time solution. Designed for volunteers, not professionals. // PCI systems are designed around the reality that most churches rely on volunteers—not production experts. Systems are engineered so everything has a place, setup is repeatable, and volunteers of all ages can succeed. Portability often attracts a unique group of volunteers—people who may not serve in traditional roles but find purpose in setup, teardown, logistics, and behind-the-scenes leadership. Over time, these teams become deeply connected and highly committed. Experience and kids environments matter. // Portable doesn't mean second-rate. In fact, kids' environments are often more important than the worship space. Parents cannot fully engage in worship if they feel uneasy about where their children are. PCI's design process balances worship, kids, guest flow, safety, and branding to ensure the entire experience reflects the church's values—not just what happens on stage. Custom systems, not off-the-shelf kits. // PCI's consultative approach begins with listening. Each system is custom-designed based on the church's identity, volunteer capacity, budget, and long-term vision. There is no “stock solution.” From sound systems to kids check-in to trailer layouts, every detail is engineered to support the church's unique mission and growth trajectory. A first step for leaders. // For leaders feeling capacity pressure, start with a conversation—not a commitment. Learning what options exist now prepares churches to act decisively later. The goal is not to rush, but to be ready when growth demands action. Speak directly with Jeff Beachum and discover how Portable Church can help with your unique situation by scheduling a conversation at portablechurch.com/jeff. Learn more about Portable Church Industries and see samples of their work at portablechurch.com. Thank You for Tuning In! There are a lot of podcasts you could be tuning into today, but you chose unSeminary, and I'm grateful for that. If you enjoyed today's show, please share it by using the social media buttons you see at the left hand side of this page. Also, kindly consider taking the 60-seconds it takes to leave an honest review and rating for the podcast on iTunes, they're extremely helpful when it comes to the ranking of the show and you can bet that I read every single one of them personally! Thank You to This Episode’s Sponsor: SermonDone Hey friends, Sunday is coming… is your Sermon Done?Pastor, you don't need more pressure—you need support. That's why you need to check out SermonDone—the premium AI assistant built exclusivelyfor pastors. SermonDone helps you handle the heavy lifting: deep sermon research, series planning, and even a theologically aligned first draft—in your voice—because it actually trains on up to 15 of your past sermons. But it doesn't stop there. With just a click, you can instantly turn your message into small group guides, discussion questions, and even kids curriculum. It's like adding a research assistant, a writing partner, and a discipleship team—all in one. Try it free for 5 days. Head over to www.SermonDone.com and use promo code Rich20 for 20% off today! Episode Transcript Rich Birch — Hey friends, welcome to the unSeminary podcast. Super glad that you’ve decided to tune in today and you are going to be rewarded for that. We’ve got a really important conversation, I know for many churches that are listening in, particularly if your church is growing and you’re thinking about the future and you see some constraints around you, we wanna help release some of those constraints today. Rich Birch — And I’ve asked good friends, Curt Banter and Jeff Beachum from Portable Church Industries to come and be on the on the call with us today, because they’ve got some stuff that I know can help so many of us. If you do not know Portable Church, they help churches thrive in portable venues. For more than 25 years, Portable Church has helped literally thousands of churches launch strong and thrive in a mobile setting. They design custom solutions that fill that fit each budget, vision, and venue. They really are amazing people. And I’m so glad to have you on the show today, Curt and Jeff. Welcome. So glad you’re here.Curt Banter — Great to be here.Jeffrey Beachum — Glad to be here.Rich Birch — Why don’t we start with Curt? Tell us the kind of portable church, you know, summary. You bump into someone and you they yeah they ask you where you work and you’re like, I’m CEO of Portable Church. What what is that?Curt Banter — Yes, yes. That’s a popular airport question. That is a very, what is that exactly? And I always…Rich Birch — Right. Is that on wheels or something? What is it like, you know.Curt Banter — Exactly. I always tell people like, well, we build portable systems to help churches function in kind of rented spaces is, you know, the deal. And it’s production, it’s kids, it’s lobby, it’s the whole thing. It’s it’s the experience on a Sunday morning in a rented venue.Rich Birch — Yeah, that’s fantastic. And Jeff, give us a sense of the scope of both the services and kind of solutions that PCI provides. Like when you say you help that, what does that, what does that mean? Is this just like a bunch of ideas or what what do you actually do?Jeffrey Beachum — So Portable Church provides absolutely everything that a church needs in order to do church the way they do at their home campus, except we don’t provide the pastor, and the people and the place. But, I mean, we do everything else from, like Curt said, production, everything you need to do children’s environments, everything you need to get people on the campus with wayfinding, greeting them, coffee, right down, if we don’t recommend it, but right down to the communion wafer and the baby diaper. We can do it all.Rich Birch — Nice. Right. Yeah, it’s incredible. Well, today we want to frame the conversation for churches that are listening in that are particularly growing and are thinking about the future and maybe are coming up against some capacity issues. Jeff, when a church starts to approach, say, let’s picture a church, maybe they’re approaching 70, 80% of their weekend capacity. What kind of questions do you hear those leaders wrestling with? What are they thinking about, as they’re thinking about, hmm, what do we do next?Jeffrey Beachum — Well, luckily I’ve run into some ah amazing executive leaders that carry the vision and the execution of a church. And those are usually the two primary people or positions. And there might be multiple people involved in it. But those are the two positions that really are looking in their crystal ball and trying to say, all right, based on The seats we’re filling, the parking lot the way it is, the corridors that are jammed, the children’s ministry, how high a pitch our our volunteers are screaming. We need to be thinking down the road about what are the solutions. And those those people typically, those good leaders are asking questions about, all right, what can we do onsite?Jeffrey Beachum — And eventually, if this keeps going, and we’d love the momentum to keep going, what are some off-site solutions? And so that’s what we like to help take leaders through is even if they don’t use it, the more they know, the better they’re going to be.Rich Birch — And what, when you think of the questions that they’re wrestling about kind of the onsite offsite question, what would be some of those things that, why would they be at that venture? Like what, what is it about, you know, these, this kind of threshold of 70, 80% that starts pushing them to be like, Ooh, maybe it’s like, what are the pain points that they start feeling that are like, okay, that we’ve got to start thinking about something, you know, different down the road.Jeffrey Beachum — Well, this we do this thing, I like to call it chasing capacity, because once a church opens its doors, and if they’re blessed by God and they’re doing all the things that they should be doing, they will forever be looking for that elusive extra seat so that people can hear the gospel. Rich Birch — Right.Jeffrey Beachum — Well, when they get into that position, um they they immediately begin to think, we only have so many seats. It’s a finite number and we’re growing. So how how do we get more? And on-site solutions might include stacking services, adding another third, fourth service. It could mean expanding the footprint of the whole building that you’re in. It could be moving from a smaller room to a bigger room. It could be a variety of solutions on-site to help all those situations. And and there’s a lot to consider when it comes to children’s space, worship space, getting people in and out between services and parking and all of those things.Jeffrey Beachum — Eventually, someone has to be looking at what the offsite locations might be. And and to be honest with you, that is a finite thing. There’s only you can find a green piece of grass and and build a brand new building, which takes a lot of money, a lot of time. There’s commercial properties that you can go into now and build them out, which is always fun and exciting and good good solutions. Mergers is popping up and then portability. Those really are the only four options that are out there for a church to consider going off-site for another site or to launch a new plant.Rich Birch — Cool. So Curt, from when we think about, again, this church, they’re, you know, they’re reaching 70, 80% capacity. They got full everywhere. Like and they look around and it’s like not and enough seats, not enough kids space, not enough parking. From a design and systems perspective, kind of the running side, what often do you think that we miss at that moment in a church life? Like questions we’re not asking or maybe things we misunderstand about that?Rich Birch — Because you guys see this all the time. These are the people you work with all day long. Curt Banter — Yeah. Rich Birch — What are the things that we maybe misunderstood?Curt Banter — Yeah, I think, you know, a lot of people are trying to, they don’t want to lose momentum. They don’t want to lose people. They they start, especially I think people kind of a knee jerk sometimes that it’s like, oh you know, people to come in the door. I can’t find a place to sit. They’re going to, you know, they’re to, people are going split.Curt Banter — And so they’re really nervous about that. So people will tend to do the things that are maybe more black and white and make choices that feel concrete. Like I could build a thing or I could add a service or I could do different things that will cost money and maybe not as much in terms of personnel. But I think sometimes the the tricky part is is that the strategy is really key because what you’re building now is going to lay the foundation for so many other steps down the road.Curt Banter — So it is important to really kind of step back for a minute and make some choices about you know what that means for your staff, what that means for long-term capital spending or whatever it may be before you kind of just leap into those decisions. And then you’re stuck with things that maybe don’t grow so well, or, um, are just bandaid solutions.Rich Birch — Yeah, trying to make the long term. That’s hard in the middle of the chaos of it to step back and say, hey, what what is the best decision here?Curt Banter — It is, it’s really hard.Rich Birch — Even though I’ve got, you know, I’ve got problems right now. What’s the best decision for us to make it this for this next step? Jeff, what happens if we’re in this again, thinking about the same kind of church, if we wait too long, if we, because I’ve actually seen this in churches where I think it’s like it’s like we don’t have faith that what’s happening now is going to continue. And we think, well, maybe maybe next fall, all these people won’t come back. Now, we would never say that. And then we wait and we hesitate for a year or two. What’s some of the risk there that we should be thinking about?Jeffrey Beachum — Well, it it is a scary thing to see God moving and and being amazed at what’s happening in front of you, and and really taking that and getting a gut gut feeling, the right gut feeling to say, God is doing something here and we just need to be able to provide ways for him to keep filling seats.Jeffrey Beachum — And so momentum is very, a tricky thing and you need to be able to keep the momentum going, keep people encouraged. And, and if you don’t, I’ll just share one story. Um, I was at a church. I’ll just tell you my church. I was at my church. I love my church. It’s a great church and got there at Easter time, got there early cause we knew better. And I, I’m old, so I went out to the bathroom and I came back in, and as I was coming back in the doors were closed and there was a sign there that struck me big time and it said: no more seats in the sanctuary. And it pointed to another place where they could go. Well, nobody wants to sit in the second space, no matter what it looks like, and that no more seats available. What if that was the day, you know?Jeffrey Beachum — And so momentum, you need to be able to keep it going. It’s tenuous and you can hit speed bumps with some of the things that you try to do, but you you really need to take courage in what God is doing and what the skill set that he’s provided for the executive leaders to make these decisions and say, we really believe that God is asking us to do this and make plans for that next thing, whether it’s the on-site solution or the off-site solution.Jeffrey Beachum — But if nobody is thinking about it and nobody is ready to make those decisions, that’s where you hit a wall and you stop growing. And in my mind, I think once you’ve let people know that that’s not important enough to keep seats open so that more people can come in, I think that has a negative twist to the momentum piece.Rich Birch — Oh, for sure. Yeah. And there’s, there’s, you know, people won’t invite if there’s not empty seats and there’s, you know, there’s all kinds of interesting, you know, you know, correlations there for sure. So again, thinking about the same church, actually literally earlier today, I was talking to a church, there are three services on a Sunday morning, adding a fourth. And I was asking the XP, how’s it going? And he said, well, we had our, they have like their main parking lot and then they have like the grass parking lot. They’re part of the country country where you can do the grass parking lot. And he’s like, our grass parking lot this last weekend, we’re recording this in early January, was full. And he’s like, we did not anticipate that. And he’s like, I know I’m at least four years away from a building program. I’m not sure, you know, what, what to do. And I thought it was kind of funny that I’m talking with you guys today as well.Rich Birch — So Curt, when you think when, and so this, this guy was a little freaked out because he’s like, man, we got years before we can think about, and he’s thinking permanent building. So when churches are thinking about expanding, many of us, we jump right to permanence. Hey, how long is it going to take? You know, if you talk to our friends on that side, there’ll be three years to, you know, and lots of money.Rich Birch — What have you learned about the danger of kind of skipping this, maybe some sort of interim in between step? Talk us through, you know, why maybe permanence isn’t, shouldn’t be our first step when we’re thinking about this.Curt Banter — Yeah. No, I mean, yeah, and I often tell people, I like, I love the permanent space. I got no problem with that. But if the momentum is really flying and things are going fast, that that is that is a big chunk of why we exist. I mean, we can build a design. You know, you can, it’s, it’s if you you need to find a location. You need to figure out your team. There’s a lot of steps that need to happen in here, regardless of whether you’re going to be building a building or doing a portable church or whatever it may be. Curt Banter — And so this is a, it’s a great time to kind of figure out what the next steps are. And it really is, it’s an opportunity to, to trial things. And like I say, for us, the big deal is is, you know, instead of that four year window, that kind of thing, I was just talking to somebody yesterday and they said, well, you know, how many, how many months would it take? And I said, well, if if we’re talking in months, we’re in good shape. Because sometimes people show up and they’re like, Hey, we need to do something in 10, 12 weeks. And I’m like, okay, we could probably do that. You know?Rich Birch — Right. We can hustle.Curt Banter — Yeah, I mean, and that’s that’s pretty low risk. Like if you can get get something off the ground in 10 or 12 weeks, you know, that… Rich Birch — Right. Curt Banter — …that that gives you opportunity to really take advantage of that and not have to freak out about what my next step is and figure out how am I going to excavate or get a architect involved or, you know, whatever permitting all these things, which, you know, yeah, you’ll get to that. But we don’t have to really work through a lot of those issues to get something launched fairly quick.Jeffrey Beachum — If if I could… Rich Birch — Jump in – yeah, absolutely. Jeffrey Beachum — …we, we recently did a case study of a church down in Florida and they, it’s an amazing church in itself, but they went to a campus and thinking they were only going to have to be there for a couple of years because they had a property across the street. And what happened in that campus was amazing and God blessed them. Jeffrey Beachum — And After they ended up, instead of being there two years, they ended up being there four years. As they were getting into their fourth year, we said, you know what, we need to capture this because this is exciting stuff that they could do. They had 6,000 people on a high school campus on an Easter Sunday…Rich Birch — That’s crazy. Jeffrey Beachum — …which is wacko in my mind. Rich Birch — Sure.Jeffrey Beachum — But we went down to capture it. And the theme that kept coming out of the volunteers and the leaders that we interviewed was, why would we have waited? Why would we have put this off for four years? Look what happened in the four years that we were in this environment. And now we get to walk across the street in a few months and fill a brand new building. And they did. They walked across and they added a third service immediately. And now just six months later, they’re up to five services. So that I like to call it an incubation time… Rich Birch — Right. Jeffrey Beachum — …in portability where they can grow and they can test their mettle. They can test their leadership. They can let the community know here’s what we do and here’s who we are. There’s a lot of great benefits to being portable first.Rich Birch — Okay, sticking with you, Jeff, and and with that idea, this frame of like, a hey, we’re going to, you know, maybe like you’re saying test or take the first step towards a long term plan that’s portable. I’m sure you’ve had a lot of those conversations with churches over the years that have done that.Jeffrey Beachum — Yeah.Rich Birch — I’m sure some of them were like, maybe hesitant at the beginning, and then they do it. And then there’s learnings that come back. They they discover, oh wow, this this was different, better. Here were some of the advantages of going portable first. What would be some of those? Rich Birch — I hear the idea of like, in that church’s example of like, hey, we actually were able to start reaching people rather than waiting for four or five years for a building and then start doing that. We actually start to do that now. That’s a great benefit. Any other, that kind of thing that comes back that people are surprised they didn’t see on the, on the, on the outset.Jeffrey Beachum — Well, I think people are surprised when they go portable, at least in our experience with portable church, we we see churches are able to bolster their volunteer base. Normally you get into experiences like that and volunteers, you know, they they they do it for a while and then they say, I’m out. But in our case, it’s intuitive enough and exciting enough, and they see the results that the volunteers usually grow in that case.Jeffrey Beachum — Another great example purpose for going portable first would be to become a part of the community that you’re targeting for that that next facility that’s going to be permanent. If the community sees that you are already a part of them and that you make a difference, they’re going to make it easier for you to get the permissions to get everything constructed in a timely basis. They’re not going to get in the way because they see the value of having you already in the community.Jeffrey Beachum — And then there’s always, you know, the the the end result is that when people are hurting and you go into a new community and you answer a need and they they get to go to a place that they’re familiar with, the school, the YMCA, movie theater, whatever that is, in a very comfortable setting that they’re already familiar with and learn about Jesus and have hope restored. So there’s just a few, but there’s a lot of reasons to go portable first.Rich Birch — Yeah, that’s good.Jeffrey Beachum — Yeah.Rich Birch — I don’t know if I’ve ever told you this. In fact, I’m pretty sure I haven’t. So the church I’m at now, next year, 2027, will be a 20-year anniversary. And although I’m not on staff anymore, I do this full-time. I’m still a part of the church. I love it. And you know they have like the organizational values. And we we had one of our campuses was portable for 17 years using a Portable Church Industries system. I know you know that, Jeff. Jeffrey Beachum — Yeah.Rich Birch — And when we, I was like emotional when we were putting those cases away and like unpacking them. It was like, oh my word, like this was like a big deal. And actually one of the the staff team’s values, I just saw this yesterday, I was in the office, is we push cases. And, you know, they they internally, even though they’re not portable anymore, we push cases, this idea of like, hey, we’re all in. And it’s like this thing they kind of tell each other. And I actually think friends like I’m I try I’m trying to be like the unbiased, like, oh, I’m just interviewing these guys. But like, I love Portable Church. I love what they’re up to. I love how you help churches.Rich Birch — And I think your systems, the actual physical systems that you make are like the biggest competitor to you because I bump into them all the time. You know, a decade later, 15 years later, this stuff is still rolling out there. So, Curt, when you design a system where, you know, let’s say we’re we’re headlong in. We’ve said we’re going to do this. We’re going to we’re going to go portable. What do you prioritize? Is it experience, efficiency, volunteer experience, future growth? Talk us through how that kind of the the framework for how your team thinks through the actual design of these things, because it’s it feels like magic to me that, you know, it all comes together. It’s incredible.Curt Banter — Yeah, for sure. Yeah, it’s it’s funny. All those things are important. And I think a lot of what you have to do is when we go when we go and meet with a church, we talk through all that stuff. You walk in the building and you get a sense of, okay, what’s your identity? What, you know, how does it feel? What does what does the environment look like? What’s your auditorium experience? What’s what’s your kids? You know, what kind of security do you want? There’s just all these environmental questions that we’re trying to figure out.Curt Banter — And obviously budget plays a part in it as well, but it’s sort of a balancing act. You’ve got to sort of gather all the information in terms of who they are, what what are they trying to achieve, what’s their timeline, you know, and then you’re kind of baking all that into one big pie and trying to figure out how to you know, balance it all together.Curt Banter — But yeah, it’s it’s different. And it’s funny, I was I tell people, I’ve told Jeff this story, is like, when we sit down with a church, I always tell people, like, if there’s 10 things that are important, don’t assume that I know what they are, because the 10 things that are really important to this church are not the 10 things that may be important to you. Rich Birch — That’s so true.Curt Banter — And every single system has to be, we really base it around what is the the core values of that team, that church.Rich Birch — And how, reveal what that looks like a little bit for people folks. Cause I do think this is, this might be, this isn’t like a pull it off the shelf kind of thing.Curt Banter — No.Rich Birch — You’re building a custom system for people. What does that kind of consulting process look like? How do you, how does that actually, what’s actually look like, Curt?Curt Banter — Yeah, for sure. Yeah. So a lot of times we’ll we’ll set up a consultation, we’ll go in and it’s a it’s a full day of discovery, right? So it’s a lot of meetings with, it could be the executive pastor, we’re meeting with the production team, we’re meeting with the kids people, everybody, people that are making coffee, literally, you know, every part and piece of it.Curt Banter — And it’s a lot of just listening. It’s it’s a lot of me writing notes and figuring out what’s important to people. And yeah, we’re also talking about sound boards and PAs and you know lighting systems and all that kind of stuff. But it’s it’s tons and tons of gathering and information. Because yeah there’s there’s not there’s really nothing about the system that’s stock. Every single part and piece of it is customized for every client from some of our most budget systems to systems that are gigantic with lots of trailers and and lots going on, so. But yeah, it’s that data, that customization for each client is a gigantic part of what makes us, us.Rich Birch — Yeah. And I’ve said to folks who have used you when I knew they were you know coming up to a consultation, I’m like, just just mirroring the same thing you’re saying, just tell them everything. Like don’t like don’t hold back and you know and and talk through it all ah and be really clear.Curt Banter — Yeah.Rich Birch — Sometimes people come back and the system’s like, well, that’s maybe not what we were hoping it would be. Maybe everyone has like, what is it? Platinum Dreams and you know they have a smaller budget or whatever.Curt Banter — Oh, yeah, yeah.Rich Birch — But but but that’s okay.Rich Birch — That’s a part of your job is to try to help them right size it and and all that. Jeff, kind of on the brand consistency. Oh, sorry. Jump in. You were going to say something there. Yep.Jeffrey Beachum — I was just going to follow up with what Curt said, because I’ve attended with Curt a number of the consultations, and just walk away amazed at the value of just being being able to have Curt sit in a room with the leaders and how it feeds to the leaders really well.Jeffrey Beachum — And so some some significant things that I’ve seen Curt do is help them to understand it. So what kind of a what does your worship feel like? And what kind of sound system do you use? And there are some churches now that I say have the Cadillac of systems and they have the best of everything. And it could be really expensive. And if they’re going to multiply sites, that could get expensive over time. Jeffrey Beachum — And I’ve seen Curt be very gracious about, all right, so you have this top line equipment. If you’re going to do this two or three times, wouldn’t you like to like jump down to a Buick? and And have your people get really comfortable up with a Buick. Because to be honest with you, only the the professionals recognize the difference between a Buick and Cadillac. All of them still have four wheels and a steering wheel.Rich Birch — Yeah, that’s good.Jeffrey Beachum — And so he’ll talk about that. And then another key piece is that depending on who’s in the room when Curt does the discovery, he talks about the balance that people really don’t get to the worship space where the high production happens for 7 to 10 minutes. And they pass a lot of things. So there’s a nice balance to the design of the system with the children’s space, which I think is probably as as important or more important than the worship space, because no parent wants to go in and be have misgivings about what the space looks like and what’s going to happen to the child that they’re going to abandon into the care of these people and then walk across the street and the pastor think for one minute he has their attention enough to to preach the most important hour or 20 minutes of of their life…Rich Birch — Right.Jeffrey Beachum — …to change their life. They’re thinking about what the heck did I just do to my kids? Rich Birch — Right.Jeffrey Beachum — So I’ve seen Curt very graciously help them balance everything out and say, this is how it is important. And it’s important that we we get it into a system so that it can be done with volunteers quickly and they can have success every single time, every single week. Rich Birch — Love it. Jeffrey Beachum — And they can be excited and feel they’re as invested in the message that of the gospel as the pastor is.Rich Birch — Well, let’s double click on that with you, Curt. You know, I think there’s a lot of executive pastors listening in today and, and I have had this experience as an executive pastor. I’m like talking to some tech person and they’re like, we need the—using Jeff’s thing—we need the Cadillac. Like, you know, the gospel will not go forth without, you know, the Cadillac. And and and I look at all this and I’m like, it’s numbers and letters on a page. And how do I understand all that?Rich Birch — How do you help leadership teams really not either over invest or under invest, particularly on the technology side? Because that side, you know, a kids panel, you know, that stuff, it feels like, okay, that’s pretty consistent. But this area feels like, man, we can, it’s like sky’s the limit. So how how do you help churches on that piece particularly?Curt Banter — Yeah, I mean I mean, one of the first things I almost always do is I’ll ask people, to say, are you okay, so do we do you have experts coming to run this, or do you have staff coming to run this, or do you have volunteers running this?Rich Birch — Yes.Curt Banter — Because those are two very different things… Rich Birch — Yes. Curt Banter — …and if you’ve got volunteers coming, which a great majority of our churches do, then you’ve got to think about who you’re designing this for, right?Rich Birch — Yep.Curt Banter — And that is a problem because a lot of production directors are like, this is what I want. I’m like, are are you going to run it? Because if you’re not going to be there, it doesn’t really matter that much, you know. So a lot of times we’re really trying. I mean, sometimes i hate to be the wet blanket, but sometimes I think, and i can i can I can speak the language. I know what all the letters and everything mean. Rich Birch — Yeah, yeah. Curt Banter — But sometimes I’m trying to back them off a little bit to say, look, let’s build a system that’s repeatable. Let’s build a system that anybody… Rich Birch — Yeah, that’s so true. Curt Banter — …maybe not anybody, but certainly your volunteers, somebody who’s equipped to do it, can do that, set it up in a reasonable amount of time. And and and every week they’re not having to try to troubleshoot it and figure it out and because it’s so complex.Curt Banter — And yeah, that that may be the right system for your main campus. But a lot of times at these portable locations, we’re trying to do something that’s fast, efficient, volunteer friendly. that’s That’s really key. Rich Birch — Yeah, that’s that’s a critical piece.Curt Banter — So we’re I’m constantly bringing that kind conversation back around to, okay, that’s great. There’s a trade-off in time. There’s a trade-off in expertise. Do we want to do that, you know? And sometimes we say, yeah, that one, we we do want to do it, but maybe we don’t do it over here. there’s you know So it’s always a balancing act there a little bit.Rich Birch — Yeah, that that to me, that’s a that’s a critical piece. I think it’s such a great thing that that you guys offer to help us think through that. And what is the nuance there and and be another like another voice in the room? Because I think sometimes we end up in those conversations with the with the pro or person that wishes they were a pro you know tech person. And there’re it’s like…Rich Birch — It’s like they’re they’re they want like the all the bells and whistles, but at the end of the day, they’re not going to have to solve these problems long term.Curt Banter — Yeah.Rich Birch — Yeah, that’s good. Let’s, Jeff, let’s talk about the volunteer piece, particularly. So, man, I’m here in like set up, tear down, rolling stuff, plugging stuff in. You know, we we know that churches live and die on volunteers in every location, but it’s particularly true in in portable environments. How do systems, well thought out systems from the front end help us win with volunteers, you know week in, week out, not from day one, but then continue over the years.Jeffrey Beachum — Oh, well, and actually that’s that’s a part of Curt’s team and production and integration and all of that. the The system that Portable Church uses, if you think about it, the the Portable Church has to have all the same stuff your home church has. It’s just all put into a portable system. So you need all of that. Jeffrey Beachum — And and I’m betting at your home church, you’ve built that up over a series of 5 to 10 years. And here you get it all in one shot. And because that you’re starting out with church and it has to be done well. So you don’t have boomerang volunteers that say, oh, I tried this and I’m going back home. We don’t have that.Jeffrey Beachum — So some of the things that help with that is that they are designed for that repetitive nature where everything goes in the same place in the case. So every case is designed custom for that particular room. And so one group can come in and set everything up and a whole different group can come in and put it away after you’re done with your one, two, three services. And and it all be in the same place because it everything, every piece has a home and within each case. Rich Birch — Right. That’s good. Jeffrey Beachum — And then every case, has a specific place on a trailer because we advocate for trailers and we can explain that later, but everything is weighted out. So we have people that actually weigh each case and where it should go on the trailer so that we’re not breaking some of your volunteers’ hitches, that we’re not having stuff abandoned on the side of the road.Jeffrey Beachum — And so there’s a meticulous design that goes into meeting the needs so that the church can be effective. And allowing the the case system to be productive. And we have people, kids as early as 10 or 12, they think it’s cool to be able to be a part of that.Rich Birch — It’s so true.Jeffrey Beachum — And so they’re from 12 to 80 years old pushing these cases and being helpful in a way that maybe they’re not teachers. Maybe they’re not Sunday school teachers. Maybe they’re not preachers. Maybe they’re not people who welcome you know easily, and they don’t have those skills, but they love pushing the cases and being a part of that.Rich Birch — Yeah, it’s true.Curt Banter — Yeah, that’s to to tag onto that.Rich Birch — Yeah.Curt Banter — That’s, I mean, the the teams I’ve been a part of in the past, we’ve, we’ve had groups of volunteers that never would have served in a permanent location.Rich Birch — A hundred percent.Curt Banter — They had no, they had no place there. They had no home there. Guys that pull trucks, people that are on the security team, people that are bringing in food to the green room, whatever it may be. And they, they really do. They find a home there. They find connection there. It’s not just about the serving. It’s also about the community. They’re very much interlinked. Rich Birch — Yeah. 100%.Jeffrey Beachum — And it’s important enough that we we warn churches. So when you go from portable to permanent, you need to find a home for all these amazing volunteers that they can continue to to serve.Rich Birch — Yeah. And we’ve, I was going to echo that. Like I’ve seen that time and again, in campuses have been a part of where we’ve gone from portable to permanent. And even though I’ve seen it, I’m like, there are a group of these volunteers that are like, they’re the backbone of the church. Like the, it’s all theoretical until the roadies show up and set the thing up. Like we’re, we’re theoretically doing church this weekend. And then this group of heroes show up and, you know, make it all happen.Rich Birch — And it is a group typically, it’s not always, but it’s my experience has been, it’s typically a group of guys who they don’t necessarily, they love it, but they don’t necessarily fit in other places. And they get this like foundational role in the church and love getting a little bit sweaty. And it’s the systems are designed so they’re not super hard. Rich Birch — One thing I want to say too, as a friend, like I remember years ago, this is again, probably 20 years ago with Pete, the founder of Portable Church. I was, I was at your location at the production location. And was, I was like waxing eloquently about, man, these cases are incredible. And he like, and you’re going to know what this is. I can’t remember the exact stat, but he he was showing this one case with this door that like flips down and you know he’s like, well, you know, if a certain person of a certain height, if something gets dropped into the bottom of that case, that door is designed so they can lean down and pick it up out of the bottom of that of that case. And he had some stat around like, you know, well you know, like X number of volunteers typically are this.Rich Birch — And I was like the amount of thinking that’s gone into the design is incredible. like And these are not like these just boxes that you’re pushing around there, although they are, they’re thought through, like lots of small things throughout the entire system that always strike me. I’m like, man, that’s just such a great idea, which is you know pretty incredible.Rich Birch — Curt, coming back to kind of an a little bit of an earlier question, I want to, there may be people that are listening in there like, yeah, I strategically get that. Maybe we’re going to spend a little less money. We could do some sort of like portable thing to help us before we go, you know, long-term. But some leaders might hear portable and think cheap, temporary, not great, ineffective, not on brand, all that kind of stuff. Help us think through how portable it really, yeah, how does that, what how how do you respond to that? How do you respond to those kind of potential criticisms?Curt Banter — Yeah. Yeah, I think I was trying to think of, ah you know, what, what causes the cheap thing. And I, I, I hate to say it, but I think sometimes it tends to be a DIY situation. It tends to be something where it’s, it’s that we talked about it earlier, that emergency situation, like I’ve got to figure out a solution.Rich Birch — Right.Curt Banter — And so I think sometimes people that go out and they grab this and they grab that and pull together. And now you’ve got this, you know, And there are churches that we go and work with where we sort of refresh the system or optimize the system.Curt Banter — And a lot of times you’ll see that where it’s just stuff in a trailer. Rich Birch — Right.Curt Banter — I mean, it’s just, they’re in boxes. They’re in, you know, cardboard, seen TVs and cardboard boxes that have been in those cardboard boxes for five, six years, you know, that kind of thing.Rich Birch — Yes. Yeah.Curt Banter — And I think that’s the, I think that’s sometimes maybe where the cheap comes from. And, and it’s the, the deal with us is, you know, everything’s thought out, right? Everything has a home. Everything has an an an intention in the way that it’s stored, used, trainability in terms of, you know. So, you know, I often say to people like, look, people go and pay lots and lots of money to go see concerts at big venues, right? And that’s all portable. It doesn’t have to be cheap. Those aren’t cheap. It’s really, it’s dependent upon, you know, what is your budget and what is your volunteer base and everything else. It doesn’t need to be cheap. And even at lots of budget levels, it doesn’t look cheap because there’s really a lot of thought that’s put into how it’s used.Curt Banter — So I don’t think, you know, there’s lots of opportunities to make it look great in a portable situation, but But yeah, it has to be, and like you were talking about with Pete, it has to be thought out. It has to be engineered. It has to be put together in a way that’s easy and fast and and looks good and has quality about it.Rich Birch — Well, and this this gets to how many churches you guys have worked with. Like, this is the insane, like, it’s some giant number. Like, it’s I know I said thousands at the front end, but what what is that number, Jeff? What is that? It’s it’s some huge number, right?Jeffrey Beachum — I, I think right now it’s got to be north of like 4000 churches over the last 30 years.Curt Banter — Something like that.Rich Birch — See, this is friends. This is what I’m saying. There are people that are listening in and you’re like, we could just do this on our own. And I’m like, well, why would you do that? Like talk to the people who have, they, although your situation is super unique, they’ve worked with 4,000 other churches in super unique situations and have helped them figure it out. And man, like that’s, you wanna leverage all of that thinking to help you figure out, okay, how are we gonna get this to work at, you know, insert junior high, high school, whatever it is, you know, bowling alley, whatever it is, wherever you’re you’re moving into, that’s that’s great.Jeffrey Beachum — Yep.Rich Birch — Curt, oh, sorry, go ahead, Jeff.Jeffrey Beachum — Well, I was just going to so I would also, when it comes to the value piece, ask how how valuable is it for you to have and to continue the momentum that you have going into your next, your next facility, whatever that is.Jeffrey Beachum — So you’ve got a gap when you finally realize, man, we got to do something and we got do something fast. Portability can be done within three to four months. We can have you on the ground, in your site and probably for an investment of maybe 3 to 5 or 7% of whatever that end expense is going to be, could be invested to keep that momentum going and to make things stronger.Jeffrey Beachum — And so with that gap between we need to land somewhere and landing in a permanent spot, you could have anywhere from a three to five year gap that could be highly productive in a highly professional environment with professional gear run by your volunteers.Jeffrey Beachum — And I don’t know very many, I mean, there are some guys that do DIY and do it well, but I don’t know very many that take into consideration all those engineering feats… Rich Birch — Right. Jeffrey Beachum — …that originally were thought up 30 years ago and Curt’s team continues now. Rich Birch — Right. Jeffrey Beachum — They produce a system that is amazing and helpful. And most of our the churches that we work with, they they come back. In fact, Liberty Live, we just did another interview with Liberty Live, and they were gushing about how much we’ve helped them with several sites. And it’s wonderful to hear that they’re effective because of us putting you know a carpet on wood and putting the right stuff in the right places and helping them to share the gospel.Rich Birch — Yeah, that’s incredible. That’s so good. Yeah, and i love that. You may not like what I’m able to say, but I’ve said this behind your backs. But, you know, so so many times I’ve said to leaders when they’re thinking about this exact moment, I’m like, okay, so let’s talk about worst case scenario.Rich Birch — Let’s be the like, okay, we we launched this location and this campus and we’re, you know, we’re excited about it. It’s working well. But, you know, we don’t know. You don’t know what’s going to happen there.Rich Birch — Well, the beautiful thing about a portable system is like, let’s give that a run for two or three years. And but best case scenario, four years, like the example you used, four years, we end up moving into some other facility. Well, that’s great. Well, what we do what do we do with this portable system? We take it and put it somewhere else, which I know you’d like us to say, you buy a new system. But but but I say, just take it and you know get them to come back and retrofit it… Jeffrey Beachum — Yes. Rich Birch — …and then go into a new location which you can’t do I don’t know any, and I’ve known multiple churches that have done exactly that play, which is, you know, just, you talk about stewardship. That’s just incredible use of the resources that God’s given you.Rich Birch — It’s amazing stuff. Curt Banter — Yeah, we’re in the process of… Rich Birch — Well, as we’re coming to land here, sorry, go ahead. Curt Banter — …to say we’re in the process of talking to several churches right at the moment that are that are retooling systems that they’ve had in play for 5 to 10 years. Rich Birch — Right. Curt Banter — And it’s exactly it’s an engine, right? Rich Birch — Yes.Curt Banter — They use it for growth. They retool it and they put it back out there to do the next one. And that’s part of the plan. It’s not a happenstance. They they that is the plan, like is to always keep pushing that thing forward.Rich Birch — Right. Yeah, absolutely. And that DUI thing, DUI, that’s different. DUI, do it yourself, DIY. That’s a Freudian slip. The that happens in churches all the time.Rich Birch — You know, a friend of mine’s church, they were, you know, I was like, you really should be using Portable Church. And they didn’t use Portable Church and they came to their opening weekend and a key piece of gear did not fit through the door. Jeff knows the church I’m talking of.Rich Birch — And they, you know, I was, you know, the leader that I know is like a little bit frustrated with, you know, with all that. And I happened to see pictures of their launch and I’m like, oh, you got it through the door. And they’re like, no, we did not get it through the door. We ended up spending more money and figured out like an older thing or something and retrofitted. And I’m like, gosh, like, you would have saved all that hassle just talking to someone who’s gone ahead and figured out how do you fit all this into a box and get it through a door. Rich Birch — As we’re coming to land, maybe a couple last ah questions, maybe one for you, Jeff. If if there’s a leader that’s in this, they’re they’re facing the capacity pressure right now, what’s kind of one step they should take in this next 90 days? Where should they go next? and then I got one last question for you, Curt, as we wrap up.Jeffrey Beachum — So the next 90 days, I would say, certainly you’re not going to land in a new location in the next 90 days. But what you can do is you can take a look in your crystal ball and say, I think something could be in our future and begin to know what you don’t know.Rich Birch — Good.Jeffrey Beachum — And I would say there’s a lot about going portable, the benefits of portability, some of the processes involved that we would love to just tell you about and inform you about so that 12, 18, 24, even 36 months down the road, you you have that knowledge and you say, all right, I’ve got this one in my pocket. I know I can do this. And we would be here to help you. Jeffrey Beachum — So I would say in the next 90 days, give us a call and talk to us and say, hey, I don’t know when we’re going to do this, but I kind of feel that we’re going to have to. Can you help me understand and learn about it? Rich Birch — Yeah.Jeffrey Beachum — I guess that’s the best step.Rich Birch — Yeah. That’s fantastic. You can go to your website, right? Portablechurch.com/Jeff, I think is the answer. Jeffrey Beachum — Yes.Rich Birch — If you want to actually talk with you, which is amazing. I’ve so i’ve told people that I’m like, Jeff will get on the phone and talk to you. Like he’s a real live human. Jeffrey Beachum — Forever.Rich Birch — And at the end of it, it’s not like, you know, there’s a, you know, a credit card, you’re buying a new system. That’s not what it is. It’s like, Hey, we want to help you understand early, get in the process. You cannot start the conversation too early. You know, I appreciated Curt saying like, hey, I talked to this leader and they said maybe 10, 12 weeks from now I need something done.Rich Birch — Don’t do that. Like start early. Like if you’re as and they say they’ll do that. That’s fine. That’s that’s Portable Church. They’ll actually help you. But from my end as an operator, I’m like, even if you’re inkling thinking like early in the we might be doing something down the road. I’m not even sure if this is an option. Call Jeff – he’d be happy to help you. Rich Birch — Curt, for you, senior leader of the organization – you know, Portable Church is doing a great job. 4,000, we’re looking forward to that when you click over 5,000 churches. What would you say to a leader that’s listening in today as they’re thinking about expansion, maybe a senior leader, like, you know, a lead pastor, that sort of thing? What kind of words of advice or wisdom would you give them as we wrap up today’s episode?Curt Banter — Yeah. It’s funny, like as, as people are growing and they’re expanding, we’ve talked about this a few times, but think about, you’ve poured everything you got into your, especially if you’re in one location, you’ve poured everything you got into that one location. All of you’ve got your special sauce and all of those people that are really talented at what they do. And now you’re like, we need to grow. And maybe that’s another location. And okay, how how are we going to do that?Curt Banter — And I think a lot of people are really commonly saying, okay, we’re going to stretch that base over two. And a lot of times you can sort of get away with that a little bit. But what tell you what you go to three or even as you really fully expand into two, you’re going to feeling it. And so the the thing I would always say is, again, think about your long-term strategy. Rich Birch — That’s good.Curt Banter — Think about what you’re going to need in terms of your team, in terms of repetition and process. And it just it’s going to serve you so well in the long run to be thinking about how the people play into this and how you’re going reproduce it versus just you know getting through this moment.Rich Birch — That’s so good. Well, appreciate you guys being on today. Again, if you want more information on Portable Church, you can just drop by portablechurch.com. There’s a ton of information on there, lots of helpful resources and all that.Rich Birch — And if you want to talk to Jeff specifically, just go to portablechurch.com/Jeff. He would love to jump on a call with you and talk you through whatever you know kind of issues, or even if it’s just like, hey, we’re kind of thinking about this.Rich Birch — What questions should we be asking? He would love to jump on a call with you. So thanks so much, gentlemen. I appreciate you being here today.Curt Banter — It’s good to be here.Jeffrey Beachum — Thanks. Appreciate it Rich.

Human-Centric Merchant Services: Optimizing Payment Systems with Jimmy EstradaIn this episode ofThe Thoughtful Entrepreneur Podcast, host Josh Elledge sits down with Jimmy Estrada, the Founder and Owner ofJELA Payments Systems, to demystify the complex world of merchant services. Jimmy shares how his firm bridges the gap between massive, faceless payment processors and the independent business owners who often find themselves stranded when technical glitches or funding holds arise. This conversation offers a strategic look at how a high-touch, consultative approach to payment systems can help B2B firms and retailers reclaim their profit margins, mitigate risk, and ensure that their financial "plumbing" remains reliable and transparent in an increasingly automated marketplace.The Power of Personal Partnership in Payment ProcessingThe modern payment landscape is dominated by automated "plug-and-play" solutions, yet many business owners discover the limitations of these platforms only when a crisis occurs. Jimmy explains that the primary value of a merchant services partner lies in providing a direct human advocate who understands the specific risk profile of a client's industry. When funds are unexpectedly held or a technical integration fails, having a dedicated account manager often means the difference between a 24-hour resolution and weeks of lost revenue. By moving beyond a "set it and forget it" mentality, businesses can proactively address industry-specific risk factors—such as those found in medical or legal services—before they escalate into costly holds or compliance headaches.Transparency in pricing remains one of the greatest challenges for entrepreneurs, as merchant statements are notoriously difficult to decipher. Jimmy advocates for a "clear-water" approach to fee structures, emphasizing that business owners should have a granular understanding of non-negotiable interchange fees versus provider markups. Whether a business utilizes an interchange-plus model, compliant surcharging, or dual pricing, the key to long-term profitability is consistent monitoring and "junk fee" audits. These regular reviews ensure that businesses aren't paying for redundant services or hidden charges that frequently creep into statements over time, allowing leaders to reinvest those savings back into their core operations.Optimization is not just about chasing the lowest possible rate; it is about ensuring that a payment system is fully integrated with a company's existing software and customer journey. Jimmy discusses how his firm works with various hardware and software vendors to create seamless APIs that simplify the checkout experience for both in-person and card-not-present transactions. For businesses lacking in-house technical expertise, a trusted payment partner acts as an outsourced department that manages the technical burden of PCI compliance and security updates. Ultimately, a true partnership is built on integrity—where the provider prioritizes the client's long-term stability over a quick sale, even if that means advising a client to stay with their current provider if the rates are already fair.About Jimmy EstradaJimmy Estrada is the Founder and Owner of JELA Payments Systems, where he leverages over a decade of experience in the merchant services industry. Known for his "integrity-first" approach, Jimmy specializes in helping high-volume and B2B merchants navigate the technical and financial complexities of credit card processing with a focus on education and personalized support.About JELA Payments SystemsJELA Payments Systems is a merchant services provider that offers customized payment solutions ranging from mobile processing to enterprise-level integrations. The company prioritizes human-to-human interaction, providing dedicated account management...

A phase 3 trial in The New England Journal of Medicine found that the oral PCSK9 inhibitor enlicitide reduced LDL by 57% at 24 weeks in high-risk patients, with similar adverse events to placebo. An oral option may improve uptake and help more patients reach lipid targets. In The Lancet, SMART-CHOICE 3 showed clopidogrel monotherapy after DAPT post-PCI reduced death, MI, or stroke versus aspirin, without more bleeding. Finally, a large meta-analysis confirmed most reported statin side effects are not causally linked, reinforcing their strong benefit–risk profile.

‍ ‍DESCRIPTION‍ ‍Donald Shoup, FACIP, author of The High Cost of Free Parking, discusses parking minimums, paid parking and Pearl Harbor.‍ ‍SPONSORS‍ ‍This episode is brought to you by ParkOrder - the leading work order and project management tool built specifically for the parking industry. From tracking garage maintenance crews to managing office tasks, ParkOrder keeps your team organized and accountable. Whether it's the ability for parkers to report work orders, the leaderboard competition, or employee rewards, see what all the hype is about at parkorder.io. Get started today for just $5 per user per month.‍ ‍This episode is brought to you by Parking Today and the Parking Today Podcast Network. Learn more at parkingtoday.com/podcast.‍ ‍This episode is brought to you by Parker Technology, the customer experience solution of choice for the parking industry. Their solution puts a virtual ambassador in every lane, to help parking guests pay and get on their way in under a minute. Learn more at parkertechnology.com/parkingpodcast and subscribe to our podcast “Harder Than It Looks: Parking Uncovered.”‍ ‍This episode is brought to you by Scheidt & Bachman USA. Scheidt & Bachmann USA markets state-of-the-art Parking Solutions and Fare Collection Systems: the most innovative and advanced solutions in the US. Learn more at scheidt-bachmann-usa.com.‍ ‍This episode is brought to you by Breeze: Parking Concepts' digital platform that makes the parking experience a Breeze! For more than 50 years, PCI has been proactively managing parking & transportation operations with unparalleled integrity & service. Learn more at parkingconcepts.com.‍ ‍Order The Shoup Doctrine: Essays Celebrating Donald Shoup and Parking Reforms and use Promo Code 26SMA1 for a 25% Discount here: https://www.routledge.com/The-Shoup-Doctrine-Essays-Celebrating-Donald-Shoup-and-Parking-Reforms/Hess/p/book/9781032733920‍ ‍WEBSITES AND RESOURCES‍ ‍https://www.parkingcast.com/‍ ‍https://parkingtoday.com/podcast/‍ ‍parkorder.io‍ ‍www.parkertechnology.com/parkingpodcast‍ ‍scheidt-bachmann-usa.com‍ ‍parkingconcepts.com‍ ‍https://www.routledge.com/The-Shoup-Doctrine-Essays-Celebrating-Donald-Shoup-and-Parking-Reforms/Hess/p/book/9781032733920‍ ‍MERCH‍ ‍Check out some of our awesome parking themed t-shirts and other merch at parkingcast.com/swag.‍ ‍MUSEUM‍ ‍Check out some of our artifacts from the world's first parking museum at parkingcast.com/museum.‍ ‍

CardioNerds (Dr. Shazli Khan, Dr. Jenna Skowronski, and Dr. Shiva Patlolla) discuss the management of patients post‑heart transplantation with Dr. Shelley Hall from Baylor University Medical Center and Dr. MaryJane Farr from UTSW. In this comprehensive review, we cover the physiology of the transplanted heart, immunosuppression strategies, rejection surveillance, and long-term complications including cardiac allograft vasculopathy (CAV) and malignancy. Audio editing for this episode was performed by CardioNerds intern Dr. Bhavya Shah. Enjoy this Circulation 2022 Paths to Discovery article to learn about the CardioNerds story, mission, and values. CardioNerds Heart Success Series PageCardioNerds Episode PageCardioNerds AcademyCardionerds Healy Honor Roll CardioNerds Journal ClubSubscribe to The Heartbeat Newsletter!Check out CardioNerds SWAG!Become a CardioNerds Patron! Pearls The Denervated Heart: The donor heart is surgically severed from the autonomic nervous system, leading to a higher resting heart rate (90-110 bpm) due to loss of vagal tone. Because the heart relies on circulating catecholamines rather than neural input to increase heart rate, patients experience a delayed chronotropic response to exercise and stress. Importantly, because afferent pain fibers are severed, ischemia is often painless. Rejection Surveillance: Rejection is classified into Acute Cellular Rejection (ACR), which is T-cell mediated, and Antibody-Mediated Rejection (AMR), which is B-cell mediated. While endomyocardial biopsy remains the gold standard for diagnosis, non-invasive surveillance using gene-expression profiling (e.g., AlloMap) and donor-derived cell-free DNA (dd-cfDNA) is increasingly utilized to reduce the burden of invasive procedures. The Infection Timeline: The risk of infection follows a predictable timeline based on the intensity of immunosuppression. The first month is dominated by nosocomial infections. Months one through six are the peak for opportunistic infections (Cytomegalovirus, Pneumocystis, Toxoplasmosis) requiring prophylaxis. After six months, patients are primarily at risk for community-acquired pathogens, though late viral reactivation can occur. Cardiac Allograft Vasculopathy (CAV): Unlike native coronary artery disease, CAV presents as diffuse, concentric intimal thickening that affects the entire length of the vessel, including the microvasculature. Due to denervation, patients rarely present with angina; instead, CAV manifests as unexplained heart failure, fatigue, or sudden cardiac death. Malignancy Risk: Long-term immunosuppression significantly increases the risk of malignancy. Skin cancers (squamous and basal cell) are the most common, followed by Post-Transplant Lymphoproliferative Disorder (PTLD), which is often driven by Epstein-Barr Virus (EBV) reactivation. Notes Notes: Notes drafted by Dr. Patlolla 1. What are the unique physiological features of the transplanted heart? The hallmark of the transplanted heart is denervation. Because the autonomic nerve fibers are severed during harvest, the heart loses parasympathetic or vagal tone, resulting in a resting tachycardia (typically 90-110 bpm). The heart also loses the ability to mount a reflex tachycardia; thus, the heart rate response to exercise or hypovolemia relies on circulating catecholamines, which results in a slower “warm-up” and “cool-down” period during exertion. 2. What are the pillars of maintenance immunosuppression regimen? The triple drug maintenance regimen typically consists of: Calcineurin Inhibitor (CNI): Tacrolimus is preferred over cyclosporine. Key side effects include nephrotoxicity, hypertension, tremor, hyperkalemia, and hypomagnesemia. Antimetabolite: Mycophenolate mofetil (MMF) inhibits lymphocyte proliferation. Key side effects include leukopenia and GI distress. Corticosteroids: Prednisone is used for maintenance but is often weaned to low doses or discontinued after the first year to mitigate metabolic side effects (diabetes, osteoporosis, weight gain). 3. How is rejection classified and diagnosed? Rejection is the immune system’s response to the foreign graft and is categorized by the arm of the immune system involved: Acute Cellular Rejection (ACR): Mediated by T-lymphocytes infiltrating the myocardium. It is graded from 1R (mild) to 3R (severe) based on the extent of infiltration and myocyte damage. Antibody-Mediated Rejection (AMR): Mediated by B-cells producing donor-specific antibodies (DSAs) that attack the graft endothelium. It is diagnosed via histology (capillary swelling) and immunofluorescence (C4d staining). Diagnosis has historically relied on endomyocardial biopsy. However, non-invasive tools are gaining traction. Gene Expression Profiling (GEP) assesses the expression of genes associated with immune activation to rule out rejection in low-risk patients. Donor-Derived Cell-Free DNA (dd-cfDNA) measures the fraction of donor DNA in the recipient’s blood. Elevated levels suggest graft injury which can occur in both ACR and AMR. 4. What is the timeline of infectious risk and how does it guide prophylaxis? Infectious risk correlates with the net state of immunosuppression. < 1 Month (Nosocomial): Risks include surgical site infections, catheter-associated infections, and aspiration pneumonia. 1 – 6 Months (Opportunistic): This is the period of peak immunosuppression. Patients are at risk for PJP, CMV, Toxoplasma, and fungal infections. Prophylaxis typically includes Trimethoprim-Sulfamethoxazole (for PJP/Toxo) and Valganciclovir (for CMV, dependent on donor/recipient serostatus). > 6 Months (Community-Acquired): As immunosuppression is weaned, the risk profile shifts toward community-acquired respiratory viruses (Influenza, RSV) and pneumonias. However, patients with recurrent rejection requiring boosted immunosuppression remain at risk for opportunistic pathogens. 5. How does Cardiac Allograft Vasculopathy (CAV) differ from native CAD? CAV is the leading cause of late graft failure. Unlike the focal, eccentric plaques seen in native atherosclerosis, CAV is an immunologically driven process causing diffuse, concentric intimal hyperplasia. It affects both epicardial vessels and the microvasculature. Because of this diffuse nature, percutaneous coronary intervention (PCI) is often technically difficult and provides only temporary palliation. The only definitive treatment for severe CAV is re-transplantation. Surveillance is critical and is typically performed via annual coronary angiography, often using intravascular ultrasound (IVUS) to detect early intimal thickening before it is visible on the angiogram. References Costanzo MR, Dipchand A, Starling R, et al. The International Society of Heart and Lung Transplantation Guidelines for the care of heart transplant recipients. J Heart Lung Transplant. 2010;29(8):914-956. doi:10.1016/j.healun.2010.05.034. https://www.jhltonline.org/article/S1053-2498(10)00358-X/fulltext Kittleson MM, Kobashigawa JA. Cardiac Allograft Vasculopathy: Current Understanding and Treatment. JACC Heart Fail. 2017;5(12):857-868. doi:10.1016/j.jchf.2017.07.003. https://www.jacc.org/doi/10.1016/j.jchf.2017.07.003 Velleca A, Shullo MA, Dhital K, et al. The International Society for Heart and Lung Transplantation (ISHLT) guidelines for the care of heart transplant recipients. J Heart Lung Transplant. 2023;42(5):e1-e141. doi:10.1016/j.healun.2022.10.015. https://www.jhltonline.org/article/S1053-2498(22)02187-5/fulltext