Podcasts about Prospective

Grab our breakdown of the 5 Low-Cost Businesses That Make $1 Million: https://www.franchiseempire.com/lowcost?utm_source=FEaug2825Service-based businesses are quietly dominating in 2025, and most new franchise buyers don't even realize it.In this video, I break down why service businesses are faster, cheaper, and more scalable than brick-and-mortar and what you need to know before you invest. If you've ever thought about owning a franchise, this breakdown could save you 6–12 months and hundreds of thousands of dollars.Chapters:00:00 – The Brick & Mortar Trap03:15 – The Service Business Advantage04:09 – What Most New Franchise Buyers Get Wrong------------------Considering Investing In A Franchise?

It's time to party! Jennifer Landers, community director at Cresswind Georgia at Twin Lakes, joins Host Carol Morgan on the Atlanta Real Estate Forum Radio podcast to discuss how Cresswind Georgia at Twin Lakes is celebrating its fifth anniversary with five special events through the end of this year. 5 Years, 5 Special Events “Our residents find any excuse for a good party, whether it's something that's planned through our lifestyle director or just a casual get-together,” said Landers. “They love to just have fun and enjoy each other's company.” In celebration of its fifth anniversary, Cresswind Georgia at Twin Lakes is hosting a series of events for the last five months of 2025. Special gatherings are planned every month, from August to December, highlighting the amenities and fellowship that residents love so much. Landers describes residents like “Fireball” because they are always ready for what's next and eager to let loose. The Cresswind Lifestyle The community also celebrated another milestone recently – it's half sold! Landers confirms that 675 of its 1,300 active adult homes are claimed. This is no surprise since Cresswind Georgia at Twin Lakes was recently ranked as the top-selling active adult community in Georgia! Residents enjoy an active, connected lifestyle at this community, from its dazzling amenities to its convenient location near grocery stores, recreation and retail. To encourage residents to engage, an onsite Lifestyle Director is available to help them discover their passions. Some recent events include the International Black Dress Day event, which included a fashion show and brunch, Not-So-Newlyweds and Crime & Wine, an exciting program that invited residents to dive into real cold cases. The community also hosted a School of Rock house band for a special, residents-only concert experience. Cresswind Georgia at Twin Lakes offers more than 55 clubs, with activities ranging from weekly meetups to seasonal events. Popular choices include the Cooking Club, arts-focused groups like Kiln-ing It and Just Crafting Around, plus the Men's Club and Veterans Club. Residents can also join Friends of the Monarch, which maintains a butterfly garden shaped like a blossoming tree, perfect for connecting with nature. Pickleball is a huge part of the culture at this community, and after the expansion that is in process, residents will have access to 33 championship-level pickleball courts and four tennis courts, beginning this fall. “The Cresswind Cup that was played this year, and our residents were so excited,” said Landers. “We had teams from the Carolinas, Georgia and Florida. There were nine teams in total and our residents dominated and won the Cup this year.” Find Your Dream Home Looking to explore active adult living and get involved from the start? Cresswind Georgia at Twin Lakes uniquely offers future residents a chance to enjoy the amenities and engage in clubs as soon as they close on their dream homes. “That's something we do for our residents so that, when they move in, they already have a sense of living here and having friends who are already residents.” Cresswind Georgia at Twin Lakes is finishing up its seventh phase, which includes several lakefront homes and some with basements. Prospective buyers can discover available homes here. Tune into the full episode to learn more about upcoming events at Cresswind Georgia at Twin Lakes and its stunning amenities. For more information about Cresswind Georgia at Twin Lakes, visit www.CresswindGeorgiaAtTwinLakes.com. About Cresswind Georgia at Twin Lakes Located in Hoschton, Ga., Cresswind Georgia at Twin Lakes offers several hundred acres of preserved nature with walking trails and resort-style amenities, including two lakes, a clubhouse, indoor and outdoor pools, a large activity lawn and more. It also features 15 designer-decorated models open daily for in-person and online tours. To learn more about Cresswind Georgia, visit www.

This is week three of our prospective members Sunday schools. Why is it so important that churches have a biblical view of conversion, evangelism, and discipleship? You can watch this message here.

Grab our breakdown of the 5 Low-Cost Businesses That Make $1 Million: https://www.franchiseempire.com/lowcost?utm_source=TJjul2025Most people only share their wins. I'm doing the opposite.Last month, my business lost $50,000, and I'm opening up the books to show you exactly what happened, why it happened, and how I'm handling it.This is the emotional, raw side of entrepreneurship you rarely see. If you're building a business and feel like you're on a roller coaster… this one's for you.------------------Considering Investing In A Franchise?

Speed up your journey with our step-by-step mini-course: https://www.franchiseempire.com/FBAIf you're trying to decide between starting your own business, buying a franchise, or purchasing a resale, this episode will give you real clarity.I sits down with two top Franchise Empire brokers, Marc and Chris who both built, scaled, and sold their own franchises to talk about what most people get wrong when choosing a path to business ownership.Inside the episode:* The truth about franchise royalties (and why smart owners are happy to pay them)* The real risks behind resale businesses (franchise or not)* Why “buying time” might be the smartest investment you can make* Personal stories of failures, pivots, and the mindset it takes to succeedThis episode is perfect for anyone who's serious about buying a business but doesn't want to waste years figuring it out the hard way.------------------Considering Investing In A Franchise?

Sommaire : 0:00:00 - Peux-tu te présenter et nous expliquer ce qui t'a amené à t'intéresser à la sécurité de l'IA ? 0:02:56 - Peux-tu nous présenter ton organisation et ses missions principales en matière de gouvernance de l'IA ? 0:07:45 - Peux-tu faire un état des lieux des capacités actuelles des intelligences artificielles ? 0:18:06 - Quelles sont les capacités actuelles des IA qui posent déjà des enjeux concrets en matière de sécurité ? 0:21:49 - Votre organisation a publié un audit de sécurité des laboratoires d'IA, quels sont les meilleurs et les moins bons élèves ? 0:24:24 - Comment la course pour être le premier à développer une AGI influence-t-elle la négligence de la sécurité ? 0:35:10 - Est-il probable que les États-Unis finissent par nationaliser l'industrie de l'IA pour des raisons de sécurité nationale ? 0:36:48 - Quelles sont les estimations actuelles sur l'arrivée d'une IA de niveau général humain (AGI) ? 0:39:38 - Pourquoi vouloir créer des IA générales plutôt que des IA spécialisées surpuissantes pour résoudre des problèmes spécifiques (médecine, énergie) ? 0:40:42 - Comment expliques-tu le concept de risque existentiel à des personnes qui ne sont pas familières avec le sujet ? 0:49:14 - Pourquoi développons-nous des intelligences plus fortes que nous, alors que nous savons que cela comporte des risques ? 0:52:21 - Même si les IA deviennent très puissantes, le passage du 'software' au 'hardware' ne va-t-il pas ralentir leur impact sur le monde réel ? 0:58:56 - Quel sera l'impact sur les emplois et la société si l'IA automatise la plupart des tâches humaines ? 1:02:22 - Y a-t-il un risque que tout se passe bien jusqu'à ce que tout se passe mal, avec des IA qui cacheraient leurs véritables intentions ? 1:04:30 - Comment expliques-tu le désaccord profond entre experts, certains alertant sur les risques existentiels et d'autres les rejetant complètement ? 1:10:55 - Où en sont les tentatives de régulation, notamment avec l'AI Act européen, et est-ce suffisant ? 1:15:26 - Pourrait-on réguler la chaîne d'approvisionnement, par exemple en traquant les puces les plus puissantes ? 1:19:13 - Est-ce qu'il faudra attendre un accident ou une catastrophe majeure pour que des régulations sérieuses soient mises en place ? 1:23:05 - Les 'agents IA' autonomes ne pourraient-ils pas causer un accident en se répliquant de manière incontrôlée, comme un virus informatique ? 1:26:36 - Que penses-tu du rapport prospectif 'AI 2027' et de son scénario d'accélération exponentielle ? 1:31:44 - Comment des expériences récentes prouvent-elles que les IA peuvent déjà feindre l'alignement pour ne pas être modifiées ? 1:45:41 - Y a-t-il un risque que nous créions des consciences artificielles capables de souffrir et de les enfermer dans des "enfers numériques" ? ----------------------------------------------------------------- ✍️ QUI EST DERRIÈRE CE CONTENU ? ☕ ➡ Production : The Flares - https://the-flares.com ➡ Realisation : Gaëtan Selle - https://www.the-flares.com/y/gaetan-selle/ -----------------------------------------------------------------

With over 9,700 U.S. locations, Dunkin' dominates the quick-service coffee space, but is owning one really worth the cost? In this video, we break down Dunkin's 2025 Franchise Disclosure Document to show you the startup costs, average earnings, hidden fees, and red flags every future franchisee should know.------------------Considering Investing In A Franchise?

Learn how Medicare's Prospective Payment System (PPS) eliminates surprise medical bills with fixed, upfront pricing! In this podcast, we break down:- What PPS is and how it works- Which services use PPS billing (hospitals, home health, hospice, rehab)- Benefits for patients and providers- Essential features to look for in medical billing softwarePerfect for medical billing professionals, healthcare administrators, and anyone wanting to understand Medicare payment systems better.

This is the second week of our prospective member Sunday school class. In it the team primarily addresses our church government and why we practice expositional preaching on Sundays. You can watch this message here.

Grab our breakdown of the 5 Low-Cost Businesses That Make $1 Million: https://www.franchiseempire.com/lowcostMost people think buying a franchise is a shortcut to passive income. But that's not the truth and Chris breaks it down.In this episode, I sit down with Chris, a former franchise founder turned broker here at Franchise Empire. We dive into what it really takes to succeed as a franchise owner, the red flags most people ignore, and how the right mindset can make all the difference.If you're exploring franchise ownership, this conversation will give you the real-world perspective most people never hear. It's honest, it's actionable, and it might just help you avoid a costly mistake.------------------Considering Investing In A Franchise?

You can watch this message here.

Grab our breakdown of the 5 Low-Cost Businesses That Make $1 Million: https://www.franchiseempire.com/lowcost?utm_source=FEaug1425Popeyes has exploded in popularity thanks to its viral chicken sandwich, but does that mean it's a good investment? In this episode, I break down the real costs, hidden fees, profit margins, and the biggest red flags inside the 2025 Franchise Disclosure Document (FDD).--------------------------------------Considering Investing In A Franchise?

Although the proposed rule for the 2026 Inpatient Prospective Payment System (IPPS) has been released by the Centers for Medicare & Medicaid Services (CMS), mastering the complexities will continue to challenge most coders and coding team members. That is why ICD10monitor producers have asked Dr. James S. Kennedy to join the upcoming edition of Talk Ten Tuesdays: to highlight potentially significant roadblocks that are likely to confront coders as they prepare to implement the new rule that becomes effective Oct. 1, 2025.As a sidebar, Dr. Kennedy, along with nationally recognized coding authority Christine Geiger, will team up for the 2026 IPPS Masterclass series, taking place live Aug. 13, 14, and 15.The popular weekly Internet broadcast will also feature these additional instantly recognizable panelists, who will report more news during their segments:• CDI Report: Cheryl Ericson, Director of clinical documentation integrity (CDI) for the vaunted Brundage Group, will have the latest CDI updates.• The Coding Report: Christine Geiger, Assistant Vice President of Acute and Post-Acute Coding Services for First Class Solutions, will report on the latest coding news.• News Desk: Timothy Powell, ICD10monitor national correspondent, will anchor the Talk Ten Tuesdays News Desk.• MyTalk: Angela Comfort, veteran healthcare subject-matter expert, will co-host the long-running and popular weekly Internet broadcast. Comfort is the Assistant Vice President of Revenue Integrity for Montefiore Health.

Grab & understand 14 Franchise Buying Mistakes that could destroy your investment: https://www.franchiseempire.com/14fbm?utm_source=FEaug1025Is The UPS Store a smart franchise investment in 2025? In this video, Tariq Johnson breaks down the startup costs, royalties, and average earnings for UPS Store owners, straight from the latest FDD. Find out what they don't tell you and whether this iconic brand is a low-cost winner or a money trap.------------------Considering Investing In A Franchise?

Get my FREE Franchising Masterclass: https://www.franchiseempire.com/masterclass?utm_source=FEaug0725Jersey Mike's Subs is ranked #2 on Entrepreneur's Franchise 500 for a reason, but is it still worth the investment in 2025?In this video, Tariq Johnson breaks down the startup costs, average earnings, royalties, and major risks hiding in the Franchise Disclosure Document (FDD). Watch this before you buy.------------------Considering Investing In A Franchise?

School marketing and communications with Charlie Maughan, Andrew Sculthorpe and Harrison Shearn  In this episode, Charlie is joined by imageseven Managing Partner Andrew ‘Scully' Sculthorpe and Digital Marketing Specialist Harrison Shearn. The trio explore how AI-generated summaries are affecting website traffic and SEO, and how school marketers should adapt. In the Deep Dive, they explore key findings from the 6sense B2B Buyer Experience Report, highlighting strong parallels between the B2B buyer purchasing process and the prospective parent journey in education marketing. Finally, in the Rants and Raves, the team spotlight a school pushing the AI envelope with a conversationally aware virtual principal. Episode links: Study: Fewer clicks on links with an AI summary – AdNews The B2B Buyer Experience Report – 6sense Westbourne Grammar – Home Page Got more questions for Charlie and the team? You can ask them via the following: Email: smc@imageseven.com.au Survey: imageseven.typeform.com Here at imageseven, we are always on the lookout for great people to join the team and we have a few opportunities open. To view our available positions or enquire further, head to https://www.imageseven.com.au/work-with-us/

Giuseppe Tarantini, MD, PhD and Mirza Umair Khalid, MBBS, MD, FACC discuss the Coronary Access After TAVI (CAvEAT) Study.

Grab and understand 14 franchise buying mistakes that could ruin your investment: https://www.franchiseempire.com/14fbm?utm_source=FEaug0325Is Wingstop a cash cow or just hype? In this video, I reveal the real costs and average earnings from Wingstop's 2023 Franchise Disclosure Document. With startup costs up to $1M and average sales over $2.1M, we'll unpack what it takes to turn chicken wings into serious profit—or whether it's a hustle best left to celebrities like Rick Ross. Stick around to see if owning just one location even makes sense.------------------Considering Investing In A Franchise?

Grab our breakdown of the 5 Low-Cost Businesses That Make $1 Million: https://www.franchiseempire.com/lowcost?utm_source=FEjul3125Taco Bell dominates the Mexican fast-food market, but is it actually a smart investment? In this video, Tariq Johnson breaks down what it really costs to own a Taco Bell in 2025, the hidden restrictions, and what the FDD doesn't tell you about making money with this brand.------------------Considering Investing In A Franchise?

Quels seront les impacts de la teinture végétale sur notre société d'ici 2050 ? Dans cet épisode captivant d'ArtEcoVert, Pauline Leroux et Emilie Roulland nous invitent à plonger dans les grandes tendances sociétales qui redéfiniront l'avenir de la teinture végétale. Avec une vision éclairée, Emilie nous présente cinq futurs potentiels, allant de la biologie aux couleurs intelligentes, jusqu'à la valorisation des savoir-faire ancestraux. Ces réflexions mettent en avant l'importance cruciale d'une prise de conscience collective pour un avenir durable et équitable.Les intervenantes évoquent des projets contemporains innovants qui exploitent les pigments végétaux issus de déchets alimentaires, illustrant ainsi comment la créativité et la durabilité peuvent s'entrelacer dans le domaine de la teinture. Elles soulignent également la nécessité de réintégrer les techniques ancestrales dans l'éducation et l'innovation, tout en abordant les défis et les opportunités liés à l'hybridation des techniques de teinture. En parlant de la couleur végétale, Pauline et Emilie analysent l'évolution des perceptions des consommateurs envers les colorants végétaux et les fibres naturelles, tout en explorant des concepts tels que la circularité et la durabilité. Les enjeux de la transparence et de la traçabilité des couleurs deviennent essentiels dans un monde où les plantes tinctoriales comme l'indigo et la garance reprennent leur place au cœur des pratiques artisanales.« La beauté des nuances est souvent cachée dans la richesse des savoir-faire », souligne Emilie, rappelant que l'avenir de la teinture végétale repose sur une collaboration interdisciplinaire. Cet échange enrichissant nous invite à réfléchir à la manière dont les biotechnologies et l'agriculture tinctoriale peuvent transformer notre rapport à la couleur et à la nature.Ne manquez pas cette discussion stimulante qui met en lumière des projets inspirants et des perspectives d'avenir prometteuses pour la teinture végétale. Pour en savoir plus, rejoignez-nous dans cet épisode passionnant d'ArtEcoVert et découvrez comment nous pouvons tous contribuer à un avenir plus durable et coloré.Liens utiles : [Insérer des liens pertinents ici]Bonne écoute !ArtEcoVert informe et inspire celles et ceux qui veulent repenser la couleur autrement, et les accompagne dans leur transition vers une couleur plus durable — avec des témoignages concrets le jeudi

How should LPs evaluate retail real estate deals, especially when the strategy involves stabilized shopping centers and low leverage? In this episode, Paul Shannon is joined by Andy Weiner of RockStep Capital to walk through a real-life deal and answer questions from a panel of passive investors including expert LPs Pascal Wagner and Adam Cranmer. Andy lays out his firm's “hometown market” strategy, targeting power centers and neighborhood retail with national tenants in overlooked metros. He breaks down the underwriting, loan structure, and business plan behind a recently acquired asset and why retail investors should pay close attention to tenant quality, lease structures, and local relationships. Our LP panel gets details on deal terms, downside protection, and risk-adjusted return, offering a front-row seat to the kind of conversation you should be having before wiring your funds. Key Takeaways: How RockStep finds and underwrites stabilized shopping centers Why the team favors open-air retail over enclosed malls What lease terms and tenant types reduce risk How “hometown markets” create pricing advantages The role of low leverage and longer-term debt in today's market When retail outperforms industrial and multifamily How to evaluate sponsor experience and alignment What passive investors should ask before funding a retail deal Disclaimer: The comments, views, opinions and any forecasts of future events, returns or results expressed in this episode reflect the opinions of the given host or participants (including the personal opinions of PassivePockets employees or contractors, as applicable), are subject to change without notice, do not reflect the views of PassivePockets or its affiliates, may not reflect actual investment results, are not guarantees of future events, returns or results and are not intended to provide financial planning, investment advice, legal advice or tax advice. The accuracy, completeness or suitability of the information discussed in this podcast, including any comments, views, opinions, forecasts, graphs, charts, ratings, reviews, videos, and other audio and/or visual aids cannot be guaranteed, are not reviewed by PassivePockets, are provided for informational purposes only, and should not be solely relied upon in making an investment decision. PassivePockets receives compensation from sponsors in exchange for profiling sponsors and/or their sponsored deals in this episode; however, such paid advertisements shall not be construed as an endorsement, testimonial, or recommendation by PassivePockets to invest in any sponsor, investment strategy or investment opportunity. Investing in real estate is inherently risky and suitable only for sophisticated and qualified investors. Prospective investors should consult with their own investment advisors, financial advisors, and tax advisors, as applicable, in connection with any decision to invest.

07-26-25See omnystudio.com/listener for privacy information.

Deborah Godes and Marla Kugel join Julia Grabo to discuss the major policies proposed in the recently released calendar year 2026 Medicare Hospital Outpatient Prospective Payment System proposed rule.

Quel avenir pour la teinture végétale à l'horizon 2050 ? Dans cet épisode captivant d'ArtEcoVert, Pauline Leroux et Émilie Roulland nous invitent à imaginer un monde où les plantes tinctoriales transforment notre rapport à la couleur et à la mode. Avec des innovations prometteuses et des tendances sociétales en pleine évolution, cet épisode est une véritable plongée dans l'univers fascinant des colorants végétaux. Émilie partage avec nous cinq futurs potentiels pour la teinture végétale, dont l'émergence de couleurs intelligentes et l'intégration de la teinture comme un soin pour les fibres naturelles. Les discussions portent sur la circularité et la durabilité, des valeurs essentielles pour garantir un avenir plus éthique et respectueux de l'environnement. La transparence et la traçabilité dans l'approvisionnement sont également au cœur de cette réflexion, car elles permettent de valoriser les savoir-faire ancestraux tout en répondant aux attentes des consommateurs d'aujourd'hui. Au fil de l'épisode, des projets innovants tels qu'EcoUse sont mis en lumière, illustrant comment la teinture végétale peut réduire la consommation d'eau et d'énergie tout en préservant nos ressources. La prise de conscience collective est cruciale pour soutenir ces changements, et Émilie et Pauline soulignent les défis liés à la production à grande échelle, ainsi que la nécessité de développer des infrastructures adéquates pour soutenir la filière de l'agriculture tinctoriale. « La couleur est un langage qui nous connecte à la nature », affirme Émilie, rappelant l'importance de notre engagement envers un avenir plus durable. En terminant sur une note optimiste, cet épisode encourage l'engagement en faveur de la teinture végétale et la collaboration entre tous les acteurs du secteur. Que vous soyez passionné par les pigments végétaux, l'indigo, la garance, ou simplement curieux d'en apprendre davantage sur les nuances de la couleur végétale, cet épisode est fait pour vous ! Rejoignez-nous pour cette aventure colorée et inspirante, et découvrez comment la teinture à base de plantes peut transformer notre monde. Belle écoute ! Pour plus d'informations, visitez notre site artecovert. com">ArtEcoVert et explorez les liens utiles pour approfondir vos connaissances sur la teinture végétale et les fibres naturelles. ArtEcoVert informe et inspire celles et ceux qui veulent repenser la couleur autrement, et les accompagne dans leur transition vers une couleur plus durable — avec des témoignages concrets le jeudi

ONLY 1 2% of Americans are metabolically healthy…? In this episode Dr. Josh Axe uncovers 7 surprising truths about metabolic health, and how to reset yours naturally. From gut health to blood sugar, or sleep: this is everything you didn't know you needed to know about mitochondrial function.  You'll learn: Why 88% of Americans have poor metabolic health The hidden metabolic risks for “skinny” people How processed food, stress, and toxins wreck your energy The top foods, habits and supplements to boost your metabolism Whether you want to feel better, think clearer, or prevent chronic disease—this episode is packed with tools to help you take back your health. #rfkjr #metabolism #eatinghealthy #holistichealth #drjoshaxe ------  Want more of The Dr. Josh Axe Show? Subscribe to the YouTube channel. Follow Dr. Josh Axe Instagram Twitter Facebook TikTok Website ------  Staying healthy in today's world is an upstream battle. Subscribe to Wellness Weekly, your 5-minute dose of sound health advice to help you grow physically, mentally, and spiritually. Every Wednesday, you'll get:  Holistic health news & life-hacks from a biblical world view Powerful free resources including classes, Q&As, and guides from Dr. Axe The latest episodes of The Dr. Josh Axe Show Submit your questions via voice memo to be featured on the show → speakpipe.com/drjoshaxe  ------  Links:  https://pubmed.ncbi.nlm.nih.gov/30484738/ https://www.unc.edu/posts/2018/11/28/only-12-percent-of-american-adults-are-metabolically-healthy-carolina-study-finds/ https://www.cdc.gov/obesity/adult-obesity-facts/index.html https://bmjopen.bmj.com/content/6/3/e009892 https://pubmed.ncbi.nlm.nih.gov/30238324/ https://pubmed.ncbi.nlm.nih.gov/31105044/ https://www.nhlbi.nih.gov/health/overweight-and-obesity/causes https://www.researchgate.net/publication/7345113_Chronic_stress_at_work_and_the_metabolic_syndrome_Prospective_study https://www.cdc.gov/physical-activity/php/about/index.html https://dph.sc.gov/diseases-conditions/conditions/diabetes/insulin-resistance-prediabetes https://www.cdc.gov/tobacco/campaign/tips/diseases/diabetes.html https://www.sciencedirect.com/science/article/pii/S0002916522035006 https://www.researchgate.net/publication/51638384_Comfort_food_is_comforting_to_those_most_stressed_Evidence_of_the_chronic_stress_response_network_in_high_stress_women https://www.rockefeller.edu/news/37433-researchers-discover-a-cause-of-leptin-resistance-and-how-to-reverse-it/ https://pmc.ncbi.nlm.nih.gov/articles/PMC5828430/ https://pmc.ncbi.nlm.nih.gov/articles/PMC7539343/ https://pmc.ncbi.nlm.nih.gov/articles/PMC8370708/ https://pmc.ncbi.nlm.nih.gov/articles/PMC2804956/ https://royalsocietypublishing.org/doi/10.1098/rsob.210333 https://pmc.ncbi.nlm.nih.gov/articles/PMC4566449/ https://pmc.ncbi.nlm.nih.gov/articles/PMC4566449/ https://pubmed.ncbi.nlm.nih.gov/31674658/ https://pmc.ncbi.nlm.nih.gov/articles/PMC11187407/ https://www.cdc.gov/pcd/issues/2020/20_0020.htm https://nyaspubs.onlinelibrary.wiley.com/doi/10.1111/nyas.12030 https://pmc.ncbi.nlm.nih.gov/articles/PMC9520362/ https://pubmed.ncbi.nlm.nih.gov/37236549/ https://www.npr.org/2025/06/09/nx-s1-5418465/blood-sugar-glucose-monitor-metabolic-health https://www.businessinsider.com/continuous-glucose-monitors-blood-sugar-not-diabetic-study-cgm-2025-2 ------  Ads:  Get your free wealth protection guide from Preserve Gold. Visit www.preservegold.com/axe or text AXE to 50505 to claim your free guide, and you could receive up to $15,000 in free gold or silver with a qualified purchase or account rollover. Don't wait – claim your special offers today! Get advanced lab testing for key markers like hormones, thyroid, and metabolism—plus a personalized 1-hour consultation with a Senior Health Advisor. Limited spots available at: MyBloodwork.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Mind Pump Fit Tip: 6 Data-Backed Reasons Why Becoming a Father is a Hack. (1:37) Tech addiction and the downstream effects on your brain. (28:47) 10 reasons why people go to rehab. (36:22) AI worship. (39:21) Kids say the darndest things. (43:53) Bullish on Bitcoin. (49:37) Hustles experienced. (51:57) Elite Trainer Academy Podcast. (53:29) #Quah question #1 – I keep seeing female fitness influencers show off their flat stomachs and basketball-sized booties while telling social media how this look is attainable. But is it really? I have always noticed with my own body that when my waist becomes more snatched, my glutes begin to shrink. So, how can I or anyone else achieve that basketball-sized booty while attaining a flat stomach at the same time? (56:31) #Quah question #2 – How often should I change my routine? Should it be a complete overhaul or a change to a specific exercise? (1:00:17) #Quah question #3 – Are belt squats as beneficial as barbell squats? (1:04:45) #Quah question #4 – Best workout plan for an overweight new dad? (1:06:53) Related Links/Products Mentioned Visit Rock Recovery Center for the exclusive offer for Mind Pump listeners! ** Ben and Tom know firsthand the struggles of addiction and alcoholism. With years of experience helping thousands of individuals, they offer a free consultation call to discuss your situation. Whether you're personally battling addiction or have a loved one in need of help, they're here to guide you toward the support you need. By filling out the form and scheduling your call, you'll also be entered for a chance to win a free 60-day scholarship at Rock Recovery Center, their premier treatment center in West Palm Beach, Florida. Don't wait—take the first step today. ** Elite Trainer Academy - Podcast July Special: MAPS Split or Anabolic Metabolism Bundle 50% off! ** Code JULY50 at checkout ** Transitioning to fatherhood: Prospective effects of wellbeing on future depression symptoms Parents live longer than their childless counterparts, study finds People with children live longer, study finds — but only this many kids First-time fathers show longitudinal gray matter cortical volume reductions: evidence from two international samples  Exploring men's alcohol consumption in the context of becoming a father: a scoping review Father Involvement and Father-Child Relationship Quality: An Intergenerational Perspective A Father's Impact on Child Development ChatGPT's Impact On Our Brains According to an MIT Study | TIME Get your free Sample Pack with any “drink mix” purchase! Find your favorite LMNT flavor, or share it with a friend. Try LMNT risk-free. If you don't like it, give it away to a salty friend and we'll give you your money back, no questions asked! Visit DrinkLMNT.com/MindPump Mind Pump #1987: How to Burn Fat & Build Muscle at the Same Time How Phasing Your Workouts Leads to Consistent Plateau Free Workouts Mind Pump #2572: Only 15 Minutes a Day to Build Muscle & Burn Fat Mind Pump Podcast – YouTube Mind Pump Free Resources People Mentioned Stephen C. Meyer (@StephenCMeyer) / X Bishop Robert Barron (@bishopbarron)  Instagram Kyle P (@mindpumpkyle) Instagram  

Changes have been announced to the requirements for students hoping to study medicine. From 2027, less weight will be given to the HPAT, the special exam that prospective medical students must sit in addition to the leaving cert.

Et si la couleur de demain venait des plantes ? Dans cet épisode d'ArtEcoVert, Pauline Leroux nous invite à imaginer l'avenir de la teinture végétale et des plantes tinctoriales à l'horizon 2050. Avec une prise de conscience collective croissante, il est essentiel de s'engager vers des pratiques plus durables et innovantes. À travers des discussions enrichissantes, nous découvrons cinq futurs potentiels pour la teinture végétale qui pourraient transformer notre rapport à la couleur. Au programme, la biologie et les couleurs intelligentes, la couleur soin, la circularité et la durabilité, ainsi que la transparence et la traçabilité des couleurs. Emilie Roulland, notre intervenante passionnée, partage des exemples concrets de projets innovants, comme l'utilisation de déchets pour créer des teintures circulaires et des soins pour la peau. Ces initiatives illustrent parfaitement comment les colorants végétaux peuvent s'inscrire dans une démarche d'économie circulaire. Nous abordons également les impacts des changements climatiques sur les plantes tinctoriales et l'importance de développer des pratiques agricoles régénératives. Comment l'agriculture tinctoriale peut-elle évoluer pour préserver nos précieuses fibres naturelles et pigments végétaux ? Écoutez Emilie partager ses réflexions et ses expériences sur ces questions cruciales. Ensemble, nous explorons un monde où l'indigo, la garance et d'autres nuances de couleur végétale prennent une place centrale dans notre quotidien. La fin de l'épisode se veut optimiste, soulignant que de nombreuses initiatives existent déjà, prouvant que l'avenir de la teinture végétale est non seulement possible, mais prometteur. Ne manquez pas cette opportunité d'en apprendre davantage sur les biotechnologies et les savoir-faire ancestraux qui s'allient à l'innovation pour redéfinir notre approche de la couleur. Pour aller plus loin, découvrez des liens utiles sur les projets mentionnés dans l'épisode et rejoignez la conversation autour de l'ArtEcoVert. Pour une écoute inspirante et enrichissante, plongez dans cet épisode et laissez-vous emporter par la magie des teintures végétales et des plantes tinctoriales ! Belle écoute,PaulineArtEcoVert informe et inspire celles et ceux qui veulent repenser la couleur autrement, et les accompagne dans leur transition vers une couleur plus durable — avec des témoignages concrets le jeudi

Et si la couleur de demain était végétale ? Dans cet épisode captivant d'ArtEcoVert, Pauline Leroux et Émilie Roulland se plongent au cœur des tendances sociétales et technologiques qui redéfiniront la teinture végétale d'ici 2050. Émilie nous guide à travers cinq futurs potentiels qui promettent de transformer notre approche des couleurs, des plantes tinctoriales et de l'industrie textile. Imaginez un monde où la biophimie et les couleurs intelligentes cohabitent, où la couleur devient soin, et où la circularité et la durabilité sont des normes établies. Les teintures végétales, telles que l'indigo et la garance, pourraient alors prendre une toute nouvelle dimension. Dans cet épisode, chaque futur est illustré par des exemples concrets et inspirants, comme le projet Oxia de Pneuma, qui révolutionne les textiles en créant des matériaux vivants capables de photosynthèse. Également à l'honneur, le projet TransSense, qui utilise des pigments photochromiques pour concevoir des stores réactifs à la lumière. Ces innovations démontrent l'énorme potentiel des colorants végétaux et des pigments végétaux dans divers domaines, allant des textiles à la cosmétique et à la nutraceutique. Mais ce n'est pas tout ! La discussion met également en lumière l'importance cruciale de la transparence et de la traçabilité des couleurs, ainsi que la préservation des savoir-faire ancestraux. Les fibres naturelles et les tanins des plantes sont au cœur de cette révolution colorielle, et leur intégration dans nos vies quotidiennes est essentielle pour un avenir durable. Les jardins de teinture, véritables laboratoires de l'agriculture tinctoriale, deviennent des espaces d'innovation où la nature et la technologie se rencontrent. Êtes-vous prêt à découvrir comment ces tendances façonnent l'avenir de la couleur ? Écoutez cet épisode pour plonger dans un univers où la teinture végétale et la couleur végétale ne sont pas seulement des choix esthétiques, mais aussi des engagements vers un avenir plus respectueux de notre planète. Belle écoute ! ArtEcoVert informe et inspire celles et ceux qui veulent repenser la couleur autrement, et les accompagne dans leur transition vers une couleur plus durable — avec des témoignages concrets le jeudi

Et si la teinture végétale devenait la norme d'ici 2050 ? Dans cet épisode captivant d'ArtEcoVert, Pauline Leroux et Emilie Roulland nous plongent dans l'univers fascinant des plantes tinctoriales et des innovations qui pourraient transformer notre approche de la couleur végétale. À travers une discussion riche et éclairante, elles explorent les grandes tendances sociétales qui façonneront l'avenir de la teinture végétale, tout en mettant en lumière l'importance cruciale de choix audacieux dans les domaines politique, scientifique et économique. Emilie, experte en biotechnologies, nous présente cinq futurs potentiels pour la teinture végétale, où des concepts tels que la biologie des couleurs intelligentes et la circularité prennent tout leur sens. Les thèmes abordés incluent la valorisation des savoir-faire ancestraux et l'importance de la transparence et de la traçabilité dans le secteur. Imaginez un monde où les pigments végétaux, issus de la fermentation, remplacent les teintures synthétiques, et où des couleurs comme l'indigo et la garance retrouvent leur place dans nos jardins et nos textiles. Les intervenantes soulignent également le rôle essentiel des fibres naturelles et des tanins, qui contribuent à une approche plus durable et respectueuse de l'environnement. La conversation se veut optimiste, car de nombreuses initiatives sont déjà en cours, bien qu'elles ne soient pas encore largement adoptées. En effet, la prise de conscience collective est primordiale pour favoriser des pratiques durables et innovantes dans le domaine de l'agriculture tinctoriale. En écoutant cet épisode, vous découvrirez comment la couleur végétale peut être synonyme de soin et de respect de notre planète. Avec des discussions techniques et des partages d'expériences, Pauline et Emilie vous invitent à réfléchir aux nuances de la teinture végétale et à l'impact qu'elle pourrait avoir sur notre avenir. Alors, êtes-vous prêt à plonger dans l'univers coloré et engagé de la teinture végétale ? Pour en savoir plus sur les sujets abordés, n'hésitez pas à consulter les liens utiles que nous avons préparés pour vous. Belle écoute ! ArtEcoVert informe et inspire celles et ceux qui veulent repenser la couleur autrement, et les accompagne dans leur transition vers une couleur plus durable — avec des témoignages concrets le jeudi

Click here to send us a topic idea or question for Weekend Wisdom.Are you considering international adoption? If so, this interview will help you decide which special needs are a good fit for your family. We'll talk with Dr. Dana Johnson, MD, PhD. He is a Professor of Pediatrics in the Division of Neonatology at the University of Minnesota Medical School. Dr. Johnson founded the International Adoption Clinic at the University of Minnesota. He is a dad and granddad by birth and adoption.In this episode, we discuss:International adoption has become overwhelmingly a special needs adoption program from all countries. Prospective adoptive parents are required to fill out a form stating what special needs they will accept.Most common special needs. What are they and how involved is the post-adoption care? Cerebral PalsyHeart issuesCraniofacialCleft lip/palateDevelopmental Special NeedsAutismDown syndromeDevelopmental DelaysHepatitis B and CHIVOrthopedic special needsClubfootLimb or digit deficienciesAlbinismHearing lossVision LossUrogenitalKidney abnormalitiesUrethra issuesBladder issuesImperforate anusAmbiguous genitaliaEmotional/TraumaOlder kidsSexual AbusePrenatal ExposureHow can adoptive parents support and advocate for children discriminated against due to physical, cognitive, and other disabilities?What type of special needs do you see from the major placing countries?IndiaColombiaBulgariaUkraineSouth KoreaHaitiAfrican countriesSupport the showPlease leave us a rating or review. This podcast is produced by www.CreatingaFamily.org. We are a national non-profit with the mission to strengthen and inspire adoptive, foster & kinship parents and the professionals who support them.Creating a Family brings you the following trauma-informed, expert-based content: Weekly podcasts Weekly articles/blog posts Resource pages on all aspects of family building

If you're anything like me, you've probably looked back and thought, “Why didn't I know this 10 years ago?” That's exactly what today's chat is about - my top five health game-changers I wish I had embraced earlier. Whether you're 25 or 75, these insights can shift the needle in how you feel, look, and thrive. From nutrition tracking without guilt to finally getting that high-quality protein in, these tips aren't about restriction - they're about empowerment. I'm opening up about what's worked, what didn't, and why strength training, ditching the processed stuff, and even allowing yourself to be hungry can be revolutionary. This one is packed with real-life examples, scientific backing, and simple steps to get started without getting overwhelmed. What we're tackling: Track your food with intention, not shame. Ditch skinny, build strong with progressive overload. Prioritize protein without obsessing. Phase out processed foods gradually. Embrace hunger and stop snacking aimlessly. Meditation App : Simply Being App Get Weekly Health Tips:  thrivehealthcoachllc.com Let's Connect:@‌ashleythrivehealthcoach or via email: ashley@thrivehealthcoachingllc.com Podcast Produced by Virtually You! Sources: Tracking Nutrition Burke, L. E., Wang, J., & Sevick, M. A. (2011). Self-monitoring in weight loss: A systematic review of the literature. Journal of the American Dietetic Association, 111(1), 92–102. https://doi.org/10.1016/j.jada.2010.10.008 Raber, M., Patterson, M., & Jia, W. (2021). A systematic review of the use of dietary self-monitoring in behavioral weight-loss interventions: Current practices and future recommendations. Public Health Nutrition, 24(17), 5885–5913. https://doi.org/10.1017/S1368980021002381 Prioritizing High-Quality Protein Holt, S. H. A., Brand Miller, J. C., Petocz, P., & Farmakalidis, E. (1995). A satiety index of common foods. European Journal of Clinical Nutrition, 49(9), 675–690. Ortinau, L. C., Culp, J. M., & Hoertel, H. A. (2014). Effects of high-protein vs. high-fat snacks on appetite control, satiety, and eating initiation in healthy women. Nutrition Journal, 13, 97. https://doi.org/10.1186/1475-2891-13-97 Dhillon, J., Craig, B. A., Leidy, H. J., Amankwaah, A. F., Jacobs, A., Jones, B. L., & Jones, J. B. (2016). The effects of increased protein intake on fullness: A meta-analysis and its limitations. Journal of the Academy of Nutrition and Dietetics, 116(6), 968–983. https://doi.org/10.1016/j.jand.2016.01.003 Zhu, R., et al. (2021). Effect of a high-protein, low-glycemic index diet on hunger and weight maintenance: Results from the PREVIEW study. Frontiers in Nutrition, 8, 649928. https://doi.org/10.3389/fnut.2021.649928 Strength Training vs. Cardio Saeidifard, F., Medina-Inojosa, J. R., West, C. P., & Lopez-Jimenez, F. (2019). The role of resistance training in the prevention and management of chronic disease. European Journal of Preventive Cardiology, 26(5), 505–515. https://doi.org/10.1177/2047487318822333 Momma, H., et al. (2022). Muscle-strengthening activities and risk of all-cause and cause-specific mortality: A systematic review and meta-analysis of cohort studies. British Journal of Sports Medicine, 56(10), 755–763. https://doi.org/10.1136/bjsports-2021-105061 Cutting Ultra-Processed Foods Monteiro, C. A., Cannon, G., Levy, R. B., Moubarac, J. C., Louzada, M. L., Rauber, F., ... & Jaime, P. C. (2019). Ultra-processed foods: What they are and how to identify them. Public Health Nutrition, 22(5), 936–941. https://doi.org/10.1017/S1368980018003762 Srour, B., et al. (2019). Ultra-processed food intake and risk of cardiovascular disease: Prospective cohort study (NutriNet-Santé). BMJ, 365, l1451. https://doi.org/10.1136/bmj.l1451 Mindful Hunger / Fasting Bruce, L. J., & Ricciardelli, L. A. (2016). A systematic review of the psychosocial correlates of intuitive eating among adult women. Appetite, 96, 454–472. https://doi.org/10.1016/j.appet.2015.10.012 Longo, V. D., & Panda, S. (2016). Fasting, circadian rhythms, and time-restricted feeding in healthy lifespan. Cell Metabolism, 23(6), 1048–1059. https://doi.org/10.1016/j.cmet.2016.06.001

Darshan H. Brahmbhatt, Podcast Editor of JACC: Advances, discusses a recently published original research paper on Long-Term Road Traffic Noise, Air Pollution, and Cardiovascular Disease AIRCARD: A Prospective Cohort Study.

The NBA Draft is this week and LeBron James and Steve Nash reflect on their own draft experiences. LeBron then talks about his mindset as a sure fire number one pick and shares his thoughts about this year's prospective number one pick, Cooper Flagg. Finally, the guys talk through various rule changes such as the 4-point line and eliminating the charge. Thanks for watching Mind the Game and stay tuned for a VERY special episode next week!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

For full review of the trials, please visit https://cardiologytrials.substack.com/ Get full access to Cardiology Trial's Substack at cardiologytrials.substack.com/subscribe

The results of the Talar OsteoPeriostic grafting from the Iliac Crest (TOPIC) procedure for lateral osteochondral lesions of the talus (OLTs) are unknown. Therefore, the present prospective study aims to assess the numeric rating scale (NRS) of pain during walking at 2-year follow-up. Secondarily, the aim is to assess other clinical, radiologic, and safety outcomes. In conclusion, in the first 7 prospectively followed patients who underwent the TOPIC procedure for large osteochondral lesions of the lateral talar dome, an improvement of the NRS of pain during walking from median 5 preoperatively to 1 at 2-year follow-up was observed. Click here to read the article.

In this episode of The First Day from The Fundraising School, host Bill Stanczykiewicz, Ed.D. sits down with philanthropic power couple Linn and Byron Braun, who offer a refreshing and candid look into the donor's mind. From third-grade campaign trail adventures to launching garden programs and anti-child abuse foundations, the Brauns' journey is a masterclass in giving with heart. They walk us through how their charitable spirit evolved, from separate individual passions to a shared mission of supporting a curated list of 10–12 nonprofits with intention and joy. Their golden rule? “Don't let your giving list get diluted, know your causes, and know them well.” Fundraisers, take notes: the Brauns emphasize the importance of doing your homework. When couples have distinct philanthropic interests, fundraisers need to pinpoint whose passion aligns with their mission. It's not just about knowing the organization's pitch, it's about building a relationship with the right person, be it Linn's green thumb at the YMCA or Byron's devotion to his church. They also advise fundraisers to understand when to back off, being bombarded with daily asks as business owners, they appreciate a respectful “our plate is full” response when it's truly not a fit. Flexibility and genuine connection are the real MVPs in major gifts fundraising, as shown through the Brauns' experience with Humane Fort Wayne. It took two years of relationship-building for the nonprofit to truly understand the Brauns' philanthropic heartbeat and co-create a niche initiative. What won them over? A stellar director, customized opportunities to support causes they care about, and authentic, consistent engagement, beyond the ask. “We don't want a lunch,” Byron jokes, “just a personal touch, maybe even a phone call.” The Brauns wrap up with sage advice on what not to do: don't pawn major donors off to assistants, don't ignore follow-up, and for heaven's sake, don't forget the personal connection. They stress that effective stewardship involves more than a thank-you email, it's about being seen, heard, and valued. As proactive donors, they often approach organizations themselves, but they're quick to note that meaningful engagement and tailored communication can turn a casual supporter into a lifelong benefactor. For fundraisers eyeing the big gifts, this episode is pure philanthropic gold.

Bacterial vaginosis (BV) was long considered not to be a sexually transmitted infection (STI), and treatment was only for women to bear. That was the convention at least until Catriona Bradshaw and her team at the Melbourne Sexual Health Centre published their groundbreaking clinical trial results earlier this year, demonstrating that treating male partners of women with BV prevented recurrence in those women. In this episode of Communicable, hosts Angela Huttner and Annie Joseph welcome back Bradshaw to discuss her trial's design, results, and clinical implications—with some guidelines already updated to include male partners in BV treatment regimens. The conversation also explores the complexities of BV diagnosis, the challenges of trial execution in general, and future research directions.This episode was edited by Kathryn Hostettler and peer reviewed by Arjana Zerja (Mother Theresa University Hospital Centre, Tirana, Albania)ReferencesVodstricil LA, et al. Male-partner treatment to prevent recurrence of bacterial vaginosis. N Engl J Med 2025. DOI: 10.1056/NEJMoa2405404Bacterial vaginosis in focus. Melbourne Sexual Health Centre (MSHC). https://www.mshc.org.au/sexual-health/bacterial-vaginosisFurther readingAuvert B, et al. Randomized, controlled intervention trial of male circumcision for reduction of HIV infection risk: the ANRS 1265 Trial. PLoS Med 2005. DOI: 10.1371/journal.pmed.0020298Bailey RC, et al. Male circumcision for HIV prevention in young men in Kisumu, Kenya: a randomised controlled trial. Lancet 2007. DOI: 10.1016/S0140-6736(07)60312-2Bukusi E, et al. Topical penile microbicide use by men to prevent recurrent bacterial vaginosis in sex partners: A randomized clinical trial, Sex Transmi Dis 2011. DOI: 10.1097/OLQ.0b013e318214b82dCohen CR, et al. Randomized trial of Lactin-V to prevent recurrence of bacterial vaginosis. N Engl J Med 2020. DOI: 10.1056/NEJMoa1915254Gray RH, et al. The effects of male circumcision on female partners' genital tract symptoms and vaginal infections in a randomized trial in Rakai, Uganda, Am J Obstet Gynecol 2009. DOI: 10.1016/j.ajog.2008.07.069King AJ, et al. Getting Everyone on Board to Break the Cycle of Bacterial Vaginosis (BV) Recurrence: A Qualitative Study of Partner Treatment for BV. Patient 2025. DOI: 10.1007/s40271-025-00731-zMehta S, et al. The microbiome composition of a man's penis predicts incident bacterial vaginosis in his female sex partner with high accuracy, Front Cell Infect Microbiol 2020. DOI: 10.3389/fcimb.2020.00433Muzny CA, et al. An Updated Conceptual Model on the Pathogenesis of Bacterial Vaginosis. J Infect Dis 2019 DOI: 10.1093/infdis/jiz342Mitchell CM, et al. Screening and characterization of vaginal fluid donations for vaginal microbiota transplantation, Sci Rep 2022. DOI: 10.1038/s41598-022-22873-yPlummer EL, et al. A Prospective, Open-Label Pilot Study of Concurrent Male Partner Treatment for Bacterial Vaginosis. mBio 2021. DOI: 10.1128/mBio.02323-21Plummer EL, et al. Combined oral and topical antimicrobial therapy for male partners of women with bacterial vaginosis: Acceptability, tolerability and impact on the genital microbiota of couples - A pilot study. PLoS One 2018. DOI: 10.1371/journal.pone.0190199Vodstrcil LA, et al. Bacterial vaginosis: drivers of recurrence and challenges and opportunities in partner treatment. BMC Med 2021. DOI: 10.1186/s12916-021-02077-3Wawer MJ, et al. Wawer MJ, et al. Circumcision in HIV-infected men and its effect on HIV transmission to female partners in Rakai, Uganda: A randomised controlled trial. Lancet 2009. DOI: 10.1016/S0140-6736(09)60998-3

In this episode, Dr. Valentin Fuster presents groundbreaking international research on balloon pulmonary angioplasty (BPA) as a crucial alternative for treating chronic thromboembolic pulmonary hypertension patients ineligible for surgery. Drawing from nearly 500 patients across 18 centers, the discussion highlights BPA's promising outcomes and challenges, underscoring the importance of expert, high-volume centers for optimal safety and effectiveness.

N Engl J Med 2001;344:1651-1658Background: The MERIT-HF trial demonstrated the efficacy of the selective beta blocker metoprolol CR/XL for well selected patients with chronic systolic heart failure who were on optimal therapy with an ACEi and diuretic. The trial randomized nearly 4,000 patients and was stopped early due to the benefit of the drug on all-cause mortality but it also reduced major morbidity as indicated by significant reductions in hospitalization. It represented the first large scale trial to show a morbidity and mortality benefit for beta blockers in patients with chronic systolic heart failure. Prior to MERIT-HF, the nonselective beta blocker carvedilol reduced morbidity and mortality in a smaller trial of patients with chronic stable heart failure. Limitations of the trial included its size and the fact that it was not originally designed to test mortality. Furthermore, it was stopped early without clearly prespecified stopping rules and 8% of total patients selected for participation in the trial were excluded prior to randomization after a 2 week, open-label run-in phase with the study drug. During the run-in period, 24 patients (2%) experienced worsening heart failure or death and were excluded from participation in the trial - the difference in total deaths between groups was 9 when the trial was stopped. In our opinion, the results of this trial were far from definitive and there are theoretical reasons why selective and nonselective beta blockers could have different effects on cardiac outcomes.The primary difference between selective and nonselective beta blockers lies in their specificity of action; while both types block adrenaline from binding to beta receptors on nerves, selective beta blockers primarily affect those found in the heart whereas nonselective ones also impact those located in the lungs and blood vessels. In the lungs, adrenaline causes bronchodilation and in the blood vessels, vasoconstriction. Thus, nonselective beta blockers also reduce afterload, which can improve cardiac hemodynamics in the failing heart.The Carvedilol Prospective Randomized Cumulative Survival Study was a large-scale trial that sought to test the hypothesis that the nonselective beta blocker carvedilol reduces mortality in patients with chronic stable heart failure who are on optimal treatment.Cardiology Trial's Substack is a reader-supported publication. To receive new posts and support our work, consider becoming a free or paid subscriber.Patients: Patients with “severe chronic heart failure” were recruited from 334 sites in 21 countries. Severe chronic heart failure was defined by the presence of dyspnea or fatigue at rest or on minimal exertion for at least 2 months and a LVEF of

Jeremy is joined by Hannah Downey, Social Media Strategist at the University of Wyoming, to discuss social media strategies that actually work in student recruitment, how to build buy-in and push boundaries, and more. Key TakeawaysSocial media offers a real-time, two-way communication channel that traditional admissions methods often lack.Prospective students—especially Gen Z—use social platforms like search engines when researching colleges.Aligning print, email, and social media creates a unified student experience across touchpoints.Content that performs well includes student-generated posts, admissions FAQs, and “day-in-the-life” stories.Building a strong social presence doesn't require a massive team or budget—authenticity and consistency matter most.Social media trends can be adapted to campus messaging, but knowing your platform and audience is key.Evaluating performance through metrics like engagement rate and link clicks is crucial to improving over time.Guest Name: Hannah Downey, Social Media Strategist, University of WyomingGuest Social: https://www.linkedin.com/in/hannah-ellis-marketing/Guest Bio: Hannah Downey serves as the Social Media Strategist with Institutional Marketing at the University of Wyoming. A UW alumna, Hannah began her career with Institutional Marketing and has since grown the University of Wyoming's digital presence and strategy. She manages the university's flagship social media accounts and also places all the digital advertising for prospective student recruitment.  - - - -Connect With Our Host:Jeremy Tiershttps://www.linkedin.com/in/jeremytiers/https://twitter.com/CoachTiersAbout The Enrollify Podcast Network:Mission Admissions is a part of the Enrollify Podcast Network. If you like this podcast, chances are you'll like other Enrollify shows too!Enrollify is made possible by Element451 — the next-generation AI student engagement platform helping institutions create meaningful and personalized interactions with students. Learn more at element451.com. Attend the 2025 Engage Summit! The Engage Summit is the premier conference for forward-thinking leaders and practitioners dedicated to exploring the transformative power of AI in education. Explore the strategies and tools to step into the next generation of student engagement, supercharged by AI. You'll leave ready to deliver the most personalized digital engagement experience every step of the way.Register now to secure your spot in Charlotte, NC, on June 24-25, 2025!

When you live next to the water, every day feels like a vacation! From serene mornings on the water to gorgeous sunsets in the evening, there are many ways to indulge in the laid-back atmosphere of lake living. Dan Rogers, sales manager with Peachtree Residential, sits down with Host Carol Morgan on the Atlanta Real Estate Forum Radio podcast to discuss Peachtree Residential's newest lakeside communities: White Post on Lanier and Arden on Lanier. Convenience is Key For many homebuyers, convenience is a deciding factor when purchasing a new residence. Rogers explains that Lake Lanier used to be “kind of out there,” but as the surrounding land has developed, homes along its shores are just minutes from grocery stores, restaurants and recreation. The quietness of life on the lake attracts prospective buyers of all backgrounds, including retirees and “empty nesters” shopping for their dream homes and families. Peachtree Residential is committed to providing accessible living options for residents of all backgrounds. Many homes feature a primary suite on the main level, or homeowners can choose a plan with an upstairs suite for added comfort and privacy. Rogers said, “We also have several plans that have the primary [suite] and another bedroom on the main floor, which has been hugely popular, certainly with empty nesters, but with growing families as well.” White Post on Lanier White Post on Lanier, located just under one-half mile from Port Royale Marina, is a dream come true for homebuyers looking to add boating or lake views to their daily routines. Residents enjoy dedicated boat slips at the community marina, each deeded to their selected homesites. Rogers said, “It's a deep-water boat dock within the Port Royal Marina no-wake zone.” This community features 15 homesites with 11 inventory home opportunities. Ready to unlock your dream home at the lake? The first three homes at White Post on Lanier are set for completion this summer. Prospective buyers can snatch up those homesites or build from Peachtree Residential's existing floorplan collections for a personalized fit. “The nice thing about a home that's underway is there are less surprises,” said Rogers. “Obviously, the advantage of choosing a lot and doing a pre-sale is you get to make every decision.” Homesites range from 3,500 square feet to three-quarters of an acre, providing abundant green space that can easily transform into a backyard pool! To maximize living space, most homes include a basement, 10-foot ceilings and a three-car garage perfect for boat storage. Arden on Lanier Also nestled along Lake Lanier, in Cumming, Arden on Lanier offers high-class living and cozy amenities. Residents have exclusive access to walking trails, a fire pit and nearby lake entry points via Tidwell Park. Beautiful interiors await in each home, showcasing spacious bedroom suites, kitchens with islands and a scenic, wooded view in the backyard. Rogers said, “Outdoor living is also something we've been adding to homes, with covered porches, fireplaces, screen porches and all those things for people who want to live close to the lake and have outdoor living right behind their house as well.” Tune in to the full episode to learn about lake living and where to find it with Peachtree Residential. Home shoppers can schedule a tour of these communities with Rogers every day, excluding Thursdays and Fridays. For more information about Peachtree Residential, visit https://www.peachtreeresidential.com/. About Peachtree Residential Known for its attention to detail and quality craftsmanship, Peachtree Residential is a leader in new home construction throughout Atlanta and Charlotte. For over 30 years, Peachtree Residential has presented homebuyers with stylish, modern residences and coveted amenities near top employers, schools and local recreation. Podcast Thanks Thank you to Denim Marketing for sponsoring Atlanta Real Estate Forum Radio. Known as a trendsetter,

durée : 00:33:33 - La Terre au carré - par : Mathieu Vidard - Avant de devenir l'une des voix pionnières de l'écologie politique en France, André Gorz a d'abord été un jeune philosophe proche de Sartre et un journaliste intéressé par les luttes ouvrières de son temps. - invités : Céline Marty, Christophe FOUREL - Céline Marty : Chercheuse en philosophie et en écologie politique, Christophe Fourel : Chef de la Mission Analyse Stratégique, Synthèses et Prospective à la Direction Générale de la Cohésion Sociale - réalisé par : Jérôme BOULET

In AB Advisor Institute's “Masterclass on Pricing” we propose that advisors can confidently charge a premium fee for their services if they do change their approach to the first few meetings with the client. We recommend that they slow down, complete a thorough Discovery and Fact-Finding process before establishing the price of the services and provide impactful experiences for the prospective client that intentionally build trust. In this deep-dive conversation Ken and Scott explore a step-by-step conversation that an advisor can have with a client in the very first meeting that creates a unique impact and leads to a more intimate and successful process of Discovery, Fact-Finding and Close. Also in this episode, the AllianceBernstein Digital Coach – see practice management solutions for advisor success: abfunds.com/go/digitalcoach DISCLAIMER Note to All Readers: The information contained here reflects the views of AllianceBernstein L.P. or its affiliates and sources it believes are reliable as of the date of this podcast. AllianceBernstein L.P. makes no representations or warranties concerning the accuracy of any data. There is no guarantee that any projection, forecast or opinion in this material will be realized. Past performance does not guarantee future results. The views expressed here may change at any time after the date of this podcast. This podcast is for informational purposes only and does not constitute investment advice. AllianceBernstein L.P. does not provide tax, legal or accounting advice. It does not take an investor's personal investment objectives or financial situation into account; investors should discuss their individual circumstances with appropriate professionals before making any decisions. This information should not be construed as sales or marketing material or an offer or solicitation for the purchase or sale of any financial instrument, product or service sponsored by AllianceBernstein or its affiliates.

Seth and Sean discuss the Rockets and Spurs landing at the list of favorites to land Giannis and/or various players that the Celtics may need to unload.

In this episode, host Dr. Amber Luong speaks with Dr. Zara Patel. They discuss the recently published Original Article: “Long-term Outcomes of PRP Injections for Post-viral Olfactory Loss: A Prospective Cohort Study”. The full manuscript is available online in the International Forum of Allergy and Rhinology. Listen and subscribe for free to Scope It Out […]

Columbia student Mohsen Mahdawi spoke with CBS News in his first TV interview since his release from ICE custody. He spent 16 days in detention and now awaits deportation hearings for protesting the war in Gaza. CBS News' Lilia Luciano has more. Shaun Dougherty, who was abused by clergy as a child, tells CBS News' Nikki Battiste he hopes the conclave reflects on survivors and chooses a leader who will deliver justice and transparency. More than two dozen potential jurors for Sean "Diddy" Combs' federal trial were questioned on Monday. They were asked about their experience with domestic violence, sexual assault and their views on hip-hop artists. Prospective jurors also reviewed a list of other celebrities, but it was unclear how they are related to the case. President Trump wants to reopen the notorious federal prison Alcatraz, which has become a tourist attraction after its closure in 1963. It was deemed too expensive to run with salt water surrounding it, deteriorating the buildings. Reopening it would also cost the National Park Service tourism money. CBS News' Elizabeth Cook reports.During Mental Health Awareness Month, Dr. Sue Varma joins "CBS Mornings" to share strategies from her book "Practical Optimism" to help you check in with yourself. Dr. Celine Gounder joins "CBS Mornings" to explain groundbreaking research on the shingles vaccine and what it could mean for long-term heart health. In New York City, stars were out for fashion's biggest night, the annual Met Gala. The dress code was called "Tailored for You." It was inspired by the museum's spring exhibit, which is the first to focus exclusively on Black designers. Social media star and bestselling author Christina Najjar, known as Tinx, joins "CBS Mornings" to discuss her new novel about cancel culture, reinvention and unexpected romance in the Hamptons. To learn more about listener data and our privacy practices visit: https://www.audacyinc.com/privacy-policy Learn more about your ad choices. Visit https://podcastchoices.com/adchoices

Morgan Stanley Research analyst Mark Schmidt and Investment Management's Craig Brandon discuss the heightened uncertainty in the U.S. municipal bonds market.Read more insights from Morgan Stanley.For a full list of episode disclosures click here.----- Transcript -----Mark Schmidt: Welcome to Thoughts on the Market. I'm Mark Schmidt, Morgan Stanley's Head of Municipal Strategy.Craig Brandon: I'm Craig Brandon, Co-Director of Municipal Investments at Morgan Stanley Investment Management.Mark Schmidt: Today, let's talk about the biggest market you hardly ever hear about – municipal bonds, a $4 trillion asset class.It's Monday, May 5th at 10am in Boston.Mark Schmidt: If you've driven, flown, gone to school or turned on a tap, chances are munis made it happen. Although munis are late cycle haven, they were not immune to the latest bout of market volatility. Craig, why was April so tough?Craig Brandon: So, what we say in April, it was sort of the trifecta of things that happened that were a little different than other asset classes. The first thing that happened is we saw a significant increase in treasury rates – and munis are generally correlated to treasuries. We're a very high-quality asset class, that's viewed as a duration asset class. So, one thing we saw were rates going up. When we see rates going up, you generally see money coming out of the market, right? So, I think investors were a little bit impacted by the higher rates, the correlation to treasuries, the duration, and saw some flows out of the market.Secondly, what we saw is conversation about the tax exemption in Washington D.C. What that did is it caused muni issuers to pull their issuance forward. So, if you're an infrastructure issuer, you are issuing bonds in the next year to year and a half; you're going to pull that forward because if there's any risk of loss of the tax exemption, you want to get these bonds issued today. So that's basically what drives technicals. It's supply and demand. So, what we saw was a decrease in demand because of higher rates; an increase in supply because of issuance being pulled forward.And the third part of the trifecta we refer to is the conversations about the economy. So, I would put that, it's sort of a distant third, but there's still conversations about maybe credit weakness driven by a slowing economy.Mark Schmidt: Craig, your team has been through a lot of tough market cycles. Given your experience, how did the most recent selloff compare? And why was it not like 2008?Craig Brandon: I started my career back in 1998 during the long-term capital management crisis. I lived through 2008. I lived through the COVID crisis, and you know, really when I look at the crisis in 2008 – no banks went out of business three weeks ago, right? In 2008 we were really sitting on a trading desk wondering where this was going to end.You know, we had a number of meetings with our staff, over the last couple weeks explaining to them why it was different and how. Yes, there was some volatility here, but you could see that there was going to be an end to this, and this was not going to be a permanent restructuring of the market. So, I think we felt comfortable. It was very different than 2008 and it really felt different than COVID.Mark Schmidt: That's reassuring. But with economic growth set to slow sharply, how does your credit team think the fiscal health of America's state and local governments will hold up?Craig Brandon: Well, remember state and local governments, and when we're talking about munis, we're also talking about other infrastructure asset classes like water and sewer bonds. Like, you know, transportation, bonds, airports. We're talking about toll roads.They went into this with a very strong balance sheet, right? Remember, there was a lot of infrastructure money spent by the federal government during COVID to give issuers money to make it through COVID. There's still a lot of money on balance sheets. So, what we do is we're going into this crisis with a lot of cash on balance sheets, allowing issuers to be able to withstand some weakness in the economy and get through to the other side of this.Mark Schmidt: Not only do state and local governments have a lot of cash, but they're just not that impacted by tariffs, right? So why did muni yields perform worse than U.S. treasuries over the past couple of weeks?Craig Brandon: Right. It really… We're technically driven, right? The U.S. muni market is more retail driven than some other asset classes. Remember – investment grade corporates, treasury bonds, there's a lot of institutional buyers in those markets. In the municipal market, it's primarily retail driven.So, when you know, individual retail investors get nervous, they tend to pull money out of the market. So, what we saw was money coming out of the market. At the same time, we saw an individual increase in more bonds, which just led to very weak technicals, which when we see that it eventually reverses itself.Mark Schmidt: Now I almost buried the lede, right? Why invest in munis? Well, they're great credit quality, but they're also tax free. In fact, muni bonds have been exempt from federal taxes for over a century. You have a lot of experience putting together tax bills, and right now people are worried about tax reform. Do you think investors should be concerned?Craig Brandon: Listen. I'm not really losing a lot of sleep at night over the tax exemption. And I think there's other, you know, issues to worry about. Why do I say that?As you mentioned Mark, I spent the early years of my career working for the New York State Assembly Ways and Means Committee. I spent seven years negotiating budgets and what that did is it gave me a window – into how, you know, not only state budgets, but the federal budget gets put together.So, what it also showed me was the relationship between state and local elected officials and your representatives in Congress and your representatives in the Senate. So, I know firsthand that members of Congress and members of the Senate in Washington have very close relationships with members of the state legislatures, with governors, with mayors, with city council members, with school board members – who are all delivering the message that significantly higher financing costs that could potentially happen from the loss of the exemption, could be meaningful to them.And I think members of Congress and members of the Senate and Washington get it. They understand it because they were all there when it happened. The last time the muni exemption came under fire was back in 2012; and in 2012, a lot of members of Congress were in the state legislature back then, so they understand it.Mark Schmidt: That's reassuring because right now, tax equivalent yields in the muni market are 7 to 8 per cent. That's equal to or greater than the long run rate of return on the stock market. So, whether to invest in the muni market seems pretty straightforward. How to invest in the muni market? Well, with 50,000 issuers, that's a little complicated. How do you recommend investors get exposure to tax-free munis right now?Craig Brandon: Well, and that is a very common question. The muni market can be very confusing because there are just so many bonds out there. You know, over 50,000 issuers, there's over a million individual CUSIPs in the muni market.So as an individual investor, where do you start? There's different coupon structures, different call structures, different maturity structures, ratings. There's so many different variables that go into a decision in investing in muni bonds.I can make an argument that you could probably mimic the S&P 500 with 500 different stocks. But most muni indices are over 50,000 constituents. It's very difficult to replicate the muni market by yourself, which is why a lot of people, you know, they let professional money managers, do the investing for them. Whether you're looking at mutual funds, whether you're looking at separately managed accounts, whether you're looking at exchange traded fund ETFs, there's a lot of different ways to get exposure to the muni market. But with the huge amount of choices you have to make, I think a lot of individual investors would just let a professional with the experience do it.Mark Schmidt: And active managers let you customize portfolios to your unique tax situation and risk tolerance. So, Craig, a final question for you. How do munis fit into a diversified portfolio?Craig Brandon: Munis are generally the stable part of most people's portfolios. Remember, you don't have a choice of whether you're going to pay your taxes or not. You have to pay your taxes, you have to pay your water bill, you have to pay your power bill. You have to pay tolls on highways. You have to pay airport fees when you buy an airline ticket, right?It's not an option. So, because the revenue streams are so stable, you see most muni bonds rated AA or AAA. The default rate for rated munis is significantly below 1 per cent. It's something in the ballpark of about 0.2 per cent*. So, with such a low default rate – listen, we're technically driven, as I said. You see ups and downs in the market. But over a longer period of time, munis can give you generally stable returns, tax exempt income over the long term, and they're one of the more stable asset classes that you see in your overall portfolio.Mark Schmidt: That sounds boring, and I mean that in the best possible way. Craig, thanks so much for your time today.Craig Brandon: Thanks, Mark, happy to be hereMark Schmidt: And thank you for listening. If you enjoy Thoughts on the Market, please leave us a review wherever you listen and share the podcast with a friend or colleague today.*“US Municipal Bond Defaults and Recoveries, 1970-2021” – Moody's Investor ServicesDisclosure: Past performance is no guarantee of future results. The returns referred to in the commentary are those of representative indices and are not meant to depict the performance of a specific investment.Risk ConsiderationsDiversification does not eliminate the risk of loss.There is no assurance that a portfolio will achieve its investment objective. Portfolios are subject to market risk, which is the possibility that the market values of securities owned by the portfolio will decline and that the value of portfolio shares may therefore be less than what you paid for them. Market values can change daily due to economic and other events (e.g., natural disasters, health crises, terrorism, conflicts, and social unrest) that affect markets, countries, companies or governments. It is difficult to predict the timing, duration, and potential adverse effects (e.g., portfolio liquidity) of events. Accordingly, you can lose money investing in a portfolio. Fixed-income securities are subject to the ability of an issuer to make timely principal and interest payments (credit risk), changes in interest rates (interest rate risk), the creditworthiness of the issuer and general market liquidity (market risk). In a rising interest-rate environment, bond prices may fall and may result in periods of volatility and increased portfolio redemptions. In a declining interest-rate environment, the portfolio may generate less income. Longer-term securities may be more sensitive to interest rate changes. An imbalance in supply and demand in the municipal market may result in valuation uncertainties and greater volatility, less liquidity, widening credit spreads and a lack of price transparency in the market. There generally is limited public information about municipal issuers. Income from tax-exempt municipal obligations could be declared taxable because of changes in tax laws, adverse interpretations by the relevant taxing authority or the non-compliant conduct of the issuer of an obligation and may subject to the federal alternative minimum tax.There is no guarantee that any investment strategy will work under all market conditions, and each investor should evaluate their ability to invest for the long-term, especially during periods of downturn in the market.A separately managed account may not be appropriate for all investors. Separate accounts managed according to the particular strategy may include securities that may not necessarily track the performance of a particular index. Please consider the investment objectives, risks and fees of the Strategy carefully before investing. A minimum asset level is required. For important information about the investment managers, please refer to Form ADV Part 2.The views and opinions and/or analysis expressed are those of the author or the investment team as of the date of preparation of this material and are subject to change at any time without notice due to market or economic conditions and may not necessarily come to pass.This material has been prepared on the basis of publicly available information, internally developed data and other third-party sources believed to be reliable. However, no assurances are provided regarding the reliability of such information and the Firm has not sought to independently verify information taken from public and third-party sources.This material is a general communication, which is not impartial and all information provided has been prepared solely for informational and educational purposes and does not constitute an offer or a recommendation to buy or sell any particular security or to adopt any specific investment strategy. The information herein has not been based on a consideration of any individual investor circumstances and is not investment advice, nor should it be construed in any way as tax, accounting, legal or regulatory advice. To that end, investors should seek independent legal and financial advice, including advice as to tax consequences, before making any investment decision.The Firm has not authorised financial intermediaries to use and to distribute this material, unless such use and distribution is made in accordance with applicable law and regulation. Additionally, financial intermediaries are required to satisfy themselves that the information in this material is appropriate for any person to whom they provide this material in view of that person's circumstances and purpose. The Firm shall not be liable for, and accepts no liability for, the use or misuse of this material by any such financial intermediary.This material may be translated into other languages. Where such a translation is made this English version remains definitive. If there are any discrepancies between the English version and any version of this material in another language, the English version shall prevail.The whole or any part of this material may not be directly or indirectly reproduced, copied, modified, used to create a derivative work, performed, displayed, published, posted, licensed, framed, distributed or transmitted or any of its contents disclosed to third parties without the Firm's express written consent. This material may not be linked to unless such hyperlink is for personal and non-commercial use. All information contained herein is proprietary and is protected under copyright and other applicable law.Eaton Vance is part of Morgan Stanley Investment Management. Morgan Stanley Investment Management is the asset management division of Morgan Stanley.DISTRIBUTIONThis material is only intended for and will only be distributed to persons resident in jurisdictions where such distribution or availability would not be contrary to local laws or regulations.MSIM, the asset management division of Morgan Stanley (NYSE: MS), and its affiliates have arrangements in place to market each other's products and services. Each MSIM affiliate is regulated as appropriate in the jurisdiction it operates. MSIM's affiliates are: Eaton Vance Management (International) Limited, Eaton Vance Advisers International Ltd, Calvert Research and Management, Eaton Vance Management, Parametric Portfolio Associates LLC and Atlanta Capital Management LLC.This material has been issued by any one or more of the following entities:EMEA:This material is for Professional Clients/Accredited Investors only.In the EU, MSIM and Eaton Vance materials are issued by MSIM Fund Management (Ireland) Limited (“FMIL”). FMIL is regulated by the Central Bank of Ireland and is incorporated in Ireland as a private company limited by shares with company registration number 616661 and has its registered address at 24-26 City Quay, Dublin 2, D02 NY 19, Ireland. Outside the EU, MSIM materials are issued by Morgan Stanley Investment Management Limited (MSIM Ltd) is authorised and regulated by the Financial Conduct Authority. Registered in England. Registered No. 1981121. Registered Office: 25 Cabot Square, Canary Wharf, London E14 4QA.In Switzerland, MSIM materials are issued by Morgan Stanley & Co. International plc, London (Zurich Branch) Authorised and regulated by the Eidgenössische Finanzmarktaufsicht ("FINMA"). Registered Office: Beethovenstrasse 33, 8002 Zurich, Switzerland.Outside the US and EU, Eaton Vance materials are issued by Eaton Vance Management (International) Limited (“EVMI”) 125 Old Broad Street, London, EC2N 1AR, UK, which is authorised and regulated in the United Kingdom by the Financial Conduct Authority.Italy: MSIM FMIL (Milan Branch), (Sede Secondaria di Milano) Palazzo Serbelloni Corso Venezia, 16 20121 Milano, Italy. The Netherlands: MSIM FMIL (Amsterdam Branch), Rembrandt Tower, 11th Floor Amstelplein 1 1096HA, Netherlands. France: MSIM FMIL (Paris Branch), 61 rue de Monceau 75008 Paris, France. Spain: MSIM FMIL (Madrid Branch), Calle Serrano 55, 28006, Madrid, Spain. Germany: Germany: MSIM FMIL (Frankfurt Branch), Grosse Gallusstrasse 18, 60312 Frankfurt am Main, Germany (Gattung: Zweigniederlassung (FDI) gem. § 53b KWG). Denmark: MSIM FMIL (Copenhagen Branch), Gorrissen Federspiel, Axel Towers, Axeltorv2, 1609 Copenhagen V, Denmark.MIDDLE EASTDubai: MSIM Ltd (Representative Office, Unit Precinct 3-7th Floor-Unit 701 and 702, Level 7, Gate Precinct Building 3, Dubai International Financial Centre, Dubai, 506501, United Arab Emirates. Telephone: +97 (0)14 709 7158). This document is distributed in the Dubai International Financial Centre by Morgan Stanley Investment Management Limited (Representative Office), an entity regulated by the Dubai Financial Services Authority (“DFSA”). It is intended for use by professional clients and market counterparties only. This document is not intended for distribution to retail clients, and retail clients should not act upon the information contained in this document.This document relates to a financial product which is not subject to any form of regulation or approval by the DFSA. The DFSA has no responsibility for reviewing or verifying any documents in connection with this financial product. Accordingly, the DFSA has not approved this document or any other associated documents nor taken any steps to verify the information set out in this document, and has no responsibility for it. The financial product to which this document relates may be illiquid and/or subject to restrictions on its resale or transfer. Prospective purchasers should conduct their own due diligence on the financial product. If you do not understand the contents of this document, you should consult an authorised financial adviser.USNOT FDIC INSURED | OFFER NO BANK GUARANTEE | MAY LOSE VALUE | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY | NOT A DEPOSITLatin America (Brazil, Chile Colombia, Mexico, Peru, and Uruguay)This material is for use with an institutional investor or a qualified investor only. All information contained herein is confidential and is for the exclusive use and review of the intended addressee, and may not be passed on to any third party. This material is provided for informational purposes only and does not constitute a public offering, solicitation or recommendation to buy or sell for any product, service, security and/or strategy. A decision to invest should only be made after reading the strategy documentation and conducting in-depth and independent due diligence.ASIA PACIFICHong Kong: This material is disseminated by Morgan Stanley Asia Limited for use in Hong Kong and shall only be made available to “professional investors” as defined under the Securities and Futures Ordinance of Hong Kong (Cap 571). The contents of this material have not been reviewed nor approved by any regulatory authority including the Securities and Futures Commission in Hong Kong. Accordingly, save where an exemption is available under the relevant law, this material shall not be issued, circulated, distributed, directed at, or made available to, the public in Hong Kong. Singapore: This material is disseminated by Morgan Stanley Investment Management Company and may not be circulated or distributed, whether directly or indirectly, to persons in Singapore other than to (i) an accredited investor (ii) an expert investor or (iii) an institutional investor as defined in Section 4A of the Securities and Futures Act, Chapter 289 of Singapore (“SFA”); or (iv) otherwise pursuant to, and in accordance with the conditions of, any other applicable provision of the SFA. This publication has not been reviewed by the Monetary Authority of Singapore. Australia: This material is provided by Morgan Stanley Investment Management (Australia) Pty Ltd ABN 22122040037, AFSL No. 314182 and its affiliates and does not constitute an offer of interests. Morgan Stanley Investment Management (Australia) Pty Limited arranges for MSIM affiliates to provide financial services to Australian wholesale clients. Interests will only be offered in circumstances under which no disclosure is required under the Corporations Act 2001 (Cth) (the “Corporations Act”). Any offer of interests will not purport to be an offer of interests in circumstances under which disclosure is required under the Corporations Act and will only be made to persons who qualify as a “wholesale client” (as defined in the Corporations Act). This material will not be lodged with the Australian Securities and Investments Commission.Japan:For professional investors, this document is circulated or distributed for informational purposes only. For those who are not professional investors, this document is provided in relation to Morgan Stanley Investment Management (Japan) Co., Ltd. (“MSIMJ”)'s business with respect to discretionary investment management agreements (“IMA”) and investment advisory agreements (“IAA”). This is not for the purpose of a recommendation or solicitation of transactions or offers any particular financial instruments. Under an IMA, with respect to management of assets of a client, the client prescribes basic management policies in advance and commissions MSIMJ to make all investment decisions based on an analysis of the value, etc. of the securities, and MSIMJ accepts such commission. The client shall delegate to MSIMJ the authorities necessary for making investment. MSIMJ exercises the delegated authorities based on investment decisions of MSIMJ, and the client shall not make individual instructions. All investment profits and losses belong to the clients; principal is not guaranteed. Please consider the investment objectives and nature of risks before investing. As an investment advisory fee for an IAA or an IMA, the amount of assets subject to the contract multiplied by a certain rate (the upper limit is 2.20% per annum (including tax)) shall be incurred in proportion to the contract period. For some strategies, a contingency fee may be incurred in addition to the fee mentioned above. Indirect charges also may be incurred, such as brokerage commissions for incorporated securities. Since these charges and expenses are different depending on a contract and other factors, MSIMJ cannot present the rates, upper limits, etc. in advance. All clients should read the Documents Provided Prior to the Conclusion of a Contract carefully before executing an agreement. This document is disseminated in Japan by MSIMJ, Registered No. 410 (Director of Kanto Local Finance Bureau (Financial Instruments Firms)), Membership: The Japan Securities Dealers Association, the Investment Trusts Association, Japan, the Japan Investment Advisers Association and the Type II Financial Instruments Firms Association.© 2025 Morgan Stanley. All rights reserved. 4459984 Exp. 19/02/2026

Preview: Colleague Jonathan Schanzer reports that the prospective Turkish air force occupying Syrian airfields is a fresh concern. More later. 1926 TURKEY AVIATION

Terri Bromberg lost her home of 20 years in the Los Angeles fires. Rather than rebuild, the artist and professor chose to sell and move elsewhere. Prospective buyers put in bids without being able to see the plot of land in person. In this episode, Bromberg and her real estate agent tell us about the process of selling in the Pacific Palisades since the wildfires. Plus: China announces retaliatory tariffs on some U.S. agricultural products, Americans lose confidence in their financial futures, and why Tesla’s stock price has slumped.