Podcasts about Rade

Dans cet épisode des Causeries de la Rade, l'équipe revient sur la défaite contre Bayonne pour clôturer la saison régulière, et se projette sur le match à venir contre Castres.Les Causeries analysent aussi la victoire des Espoirs en demi-finale contre La Rochelle, et la finale très attendue samedi, ce qui va donner une journée dantesque avec la finale des Espoirs à 15h et le quart de finale des Pros à 21h !Enfin, les Causeries débattent du retour de Louis Carbonel qui serait dans les tuyaux. Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

Emil är ofantligt nervös inför att hålla tal på sin systers bröllop, Joel ska skaffa hingst, och Victor delar med sig om vad som egentligen hände på hans svensexa.

Dr. Rade interviews Dr. Pfleghaar DO about her extensive knowledge of peptide therapy, bioidentical hormone replacement therapy and other topics.   Dr. Jen's website: https://www.healthybydrjen.com/   Dr. Jen's Instagram page: https://www.instagram.com/integrativedrmom/   To join Dr. Rade's mailing list to get free access to the first two parts of his Overcoming Chronic Illness Course: https://eastcoastnaturopathic.com/dr-bryan-rade-mailing-list   If you would like to have Dr. Rade consult on your case, please visit https://eastcoastnaturopathic.com/   Dr. Rade's Instagram page: https://www.instagram.com/dr.bryanrade.nd/   Dr. Rade's YouTube channel: https://youtube.com/@halifaxnaturopathicdoctor6227

Dans cet épisode, les Causeries de la Rade reviennent sur l'humiliation subie contre Toulouse au Vélodrome, mais aussi sur les déclarations qui ont choqué avant le match (Bernard Lemaitre sur Mayol) et après le match (Pierre Mignoni sur les supporters).L'occasion aussi de se projeter sur la fin de saison qui s'annonce de moins en moins joyeuse. Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

Maša za izvolitev novega papeža.Maša v ljubljanski stolnici za papeža Frančiška.Zadnje darilo papeža Frančiška za Gazo.Na mednarodni pro life konferenci v Zagrebu tudi predstavniki iz Slovenije.Blagoslov obnovljene cerkve na Brunku nad Radečami.

For this "ReScreen" episode, Michael does a rewatch of the 2000 action spy film "Mission: Impossible 2", the second film of the Mission: Impossible film series starring Tom Cruise, Dougray Scott, Thandiwe Newton, Richard Roxburgh, John Polson, Brendan Gleeson, Rade Šerbedžija, Ving Rhames and Sir Anthony Hopkins. What are some of his memories of seeing this film previously and thoughts after seeing the film again? Check it out and see!Be a part of the conversation!E-mail the show at screennerdspodcast@gmail.comFollow the show on Twitter @screennerdspodLike the show on Facebook (Search for Screen Nerds Podcast and find the page there)Follow the show on Instagram and Threads just search screennerdspodcastCheck out the show on Bluesky just search screennerdspodcastBe sure to check out the podcast on Apple Podcasts, Spotify, Goodpods, Overcast, Amazon Music or your podcast catcher of choice! (and please share rate and review!)Want to be share your thoughts on the podcast? Send me an e-mail!Thanks to Frankie Creel for the artwork

Dans cet épisode, les Causeries de la Rade reviennent sur la défaite à Vannes, sur les changements au poste de pilier droit (départs de Mchedlidze et Setiano), sur l'affaire Jaminet et le débat de la semaine : Pierre Mignoni doit-il accentuer le turn over pour protéger ses cadres ? Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

Dr. Rade interviews Sara Korzeniewski RD about her extensive knowledge of Hair Tissue Mineral Analysis Testing, Transformational Medicine and other topics.   Sara's website: https://theorganicdietitian.com/   Sara's Instagram page: https://www.instagram.com/theorganicdietitian/   To join Dr. Rade's mailing list to get free access to the first two parts of his Overcoming Chronic Illness Course: https://eastcoastnaturopathic.com/dr-bryan-rade-mailing-list   If you would like to have Dr. Rade consult on your case, please visit https://eastcoastnaturopathic.com/   Dr. Rade's Instagram page: https://www.instagram.com/dr.bryanrade.nd/   Dr. Rade's YouTube channel: https://youtube.com/@halifaxnaturopathicdoctor6227  

Uprkos prijetnjama predsjednika RS-a Milorada Dodika, banke u tom entitetu normalno rade. Ekološke nevladine organizacije održale protest i performans ispred Skupštine Crne Gore. Nakon smrti pape Franje, pažnja je usmjerena na kardinale koji će izabrati njegovog nasljednika.

Join us on The Road to Mission: Impossible - The Final Reckoning as we look back at each film in the iconic action franchise. On this episode, Ashley and Dylan discuss the second entry in the series directed by John Woo, Mission: Impossible II. Listen as they share their thoughts on the film, discuss how John Woo's style clashes with the franchise and talk about how the film depicts Australia. Mission: Impossible II (2000) Directed by: John Woo Screenplay by: Robert Towne Story by: Ronald D. Moore, Brannon Braga Based on Mission: Impossible by: Bruce Geller Starring: Tom Cruise, Dougray Scott, Thandiwe Newton, Richard Roxburgh, John Polson, Brendan Gleeson, Rade Šerbedžija, Ving Rhames Hosts: Ashley Hobley: https://bsky.app/profile/ashleyhobley.bsky.social  Dylan Blight: https://bsky.app/profile/dylan.explosionnetwork.com  Follow our Trakt: Ashley - https://trakt.tv/users/ashleyhobley  Dylan - https://trakt.tv/users/vivaladil  All Episodes: https://wdyww.podbean.com/  Support Us: https://explosionnetwork.com/support 

Dr. Rade interviews Nancy Ceulemans about her extensive knowledge of the HANDLE method, DIR Floor Time and her book, From Awareness to Action: Empowering Early Childhood Educators to Support Children with Autism.   Here are the links that were mentioned during our talk: Nancy's website: www.uniquelearning.ca Nancy's Facebook page: https://www.facebook.com/profile.php?id=100054546185440 Nancy's co-writer, Heather Cukierski's, website: www.gentlelearningconnection.ca Heather's Instagram: www.instagram.com/gentlelearningconnection HANDLE website: www.HANDLE.org DIRFloortime website: www.ICDL.com   To join Dr. Rade's mailing list to get free access to the first two parts of his Overcoming Chronic Illness Course: https://eastcoastnaturopathic.com/dr-bryan-rade-mailing-list   If you would like to have Dr. Rade consult on your case, please visit https://eastcoastnaturopathic.com/   Dr. Rade's Instagram page: https://www.instagram.com/dr.bryanrade.nd/   Dr. Rade's YouTube channel: https://youtube.com/@halifaxnaturopathicdoctor6227

Bu bölümde kendi kendimize koymamız gereken sınırlardan bahsettik. Umarım sizin için keyifli bir bölüm olmuştur.

Mimovládne organizácie sú v nemilosti súčasnej vlády podobne ako za Mečiarovej. Parlamentný návrh poslanca Lučanského ako iniciatívu sprísniť ich kontrolu v stredu podporila vláda. Výsledná podoba by však mohla zabolieť práve mimovládky, ktoré kontrolujú transparentnosť.V podcaste Dobré ráno sa s Janou Krescanko Dibákovou o zmenách pre neziskový sektor rozpráva šéf Nadácie otvorenej spoločnosti Fedor Blaščák.Zákon v jeho novej podobe považuje za odvodený od ruskej predlohy a verí, že koalícia nepôjde cestou, ktorá povedie na Ústavný súd.Zdroj zvukov: SME, Youtube/Smer-SDOdporúčanie:Dnes mám pre vás odporúčanie z našej mediálnej sféry. Určite ste si všimli, že priestor sociálnych sietí zahltili videá rôzneho druhu a kvality a tvária sa ako novinársky obsah. Aj najnovší prieskum potvrdzuje, že mnohí už hľadajú aj seriózne informácie práve na sociálnych sieťach. Bude skvelé, ak si na platformách zakliknete odber podcastu alebo videí z kvalitných profesionálnych médií. A ak o obľúbenom podcaste poviete blízkym, možno sem-tam zachránite nejakú zblúdenú dezinformovanú dušu.–Všetky podcasty denníka SME nájdete na⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ sme.sk/podcasty⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠–Odoberajte aj audio verziu denného newslettra⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ SME.sk⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ s najdôležitejšími správami na⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ sme.sk/brifing⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Prečo je najlepšie prvé rande v centrifúge? Škodí, keď užijete karičku intravenózne? Ako zamknúť bicykel pomocou pytóna a flauty? Ako sa JD Vance nechal nachytať Erikom Červeným? A kto je Erik Červený?!

Dans cet épisode les Causeries de la Rade reviennent sur la défaite à Castres marquée par des décisions arbitrales contestées, mais aussi sur les infos de la semaine et le débat : Pierre Mignoni ne veut plus entendre parler d'équipe type, le concept est-il vraiment mort ou astuce de management ? Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

„Je to odkaz všetkým, čo boli treste stíhaní, obvinení, obžalovaní, ale aj tým, čo sedia vo väzení, ako Marian Kočner. Odkaz: sme späť. A odkaz pre celé podsvetie Smeru, že v posledných dňoch dostalo opäť nádej, lebo do roku 2027 bude nerušene vládnuť,“ hodnotí Martin Hanus a Michal Magušin v redakčnej debate.

RADIO.D59B / NEW DAY RISING #32 w/ Rade Banyan by RADIO.D59B

Matilda Rånge på P3 Nyheter förklarar morgonens stora nyheter, alltid tillsammans med programledarna för Morgonpasset i P3: Branne Pavlovic och David Druid. Lyssna på alla avsnitt i Sveriges Radio Play. Alla kvinnliga friidrottare måste ta salivprov för att bevisa att de är kvinnor – annars får de inte tävla i damklassen. Det har Internationella friidrottsförbundet beslutat, skriver AFP. Men det är inte alla som tycker att könstester är en bra idé.Lite senare pratar vi om ett internskämt som gick för långt. Några byggarbetare i Trollhättan knåpade ihop ett fejkat fynd från forntiden, men little did they know att ”fyndet” skulle bli en riksnyhet.

V deželo počasi prihaja pomlad in tudi naše politike je začelo počasi razganjati. Policijska kontrola je blizu parlamenta ujela dve poslanki Svobode, ki sta kljub številnim opominom vseeno sedli za volan, na Brdu pri Kranju smo šteli reforme, ki jih bo nova vlada izvedla do konca mandata, stranka SOS (Stari obrazi Slovenije) pa je predstavila svoj program. Uroš Slak se je z legendami slovenskega športa pogovarjal o oboroževanju, pri tem ima Zlatko Zahović veliko idej za spremembe. Zoran Janković je ob odprtju novega kopališča Ilirija postregel z zanimivim predavanjem iz gradbeniške matematike, Franc Kangler pa skupaj z Rožmarinom čaka na pristanek ameriških astronavtov. Kdo je zadel na lotu v Radečah, kako bo nov zakon o kratkoročnem oddajanju vplival na Strojanove, koliko mandatov še potrebuje vlada, kaj so se po telefonu pogovarjali Trump, Zelenski, Putin in drugi ter skoraj zanesljivo še kaj boste slišali v petek dopoldan na Prvem.

Dans cet épisode Hors-Série des Causeries de la Rade, l'équipe propose 1h d'analyses en détente, un verre à la main, pour revenir sur quelques souvenirs personnels, mais aussi sur les actualités transferts de la semaine, les performances des internationaux et une projection sur la fin de saison. Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

I detta avsnitt svarar Angelica på en lyssnarfråga om hur vi kan få tillbaka vår självkänsla, även när vi känner oss sårade av andra. Angelica går in på hur vi kan öka vår förståelse för oss själva och andra, och därmed förstå att andras beteenden är en spegling av deras egna programmeringar. När vi ser detta med mer klarhet kan vi släppa taget om det personliga och istället hitta friheten i vårt varande. Ju mer vi ser att vår sanna självkänsla finns i vårt varande och är fri och oförstörbar, desto mindre påverkas vi av negativa tankar – både våra egna och andras.Meditationsserien med Masterclass – Vi är lugnet som vi sökerhttps://angelicaalmqvist.com/produkt/vi-ar-lugnet-som-vi-soker-inkl-nedladdning-5-meditationer-en-masterclass/Medlemssidan, INSIDAN:https://angelicaalmqvist.com/insidan/Följ mig gärna på sociala medier:Youtube: https://www.youtube.com/@AngelicaAlmqvistInstagram: https://www.instagram.com/angelica_almqvist/TikTok: https://www.tiktok.com/@angelica_almqvistFacebook: https://www.facebook.com/Angelicaalmqvist.aa/ Hemsidan:www.angelicaalmqvist.com Varmt välkommen att mejla:angelica@angelicaalmqvist.com Har du kanske någon fråga, något ämne/ämnen, eller någon du vill att jag kontaktar för att ha med i podden? Hör jättegärna av dig! Är du intresserad av mentorskap, TransformativaSamtal, medlemssidan eller boka mig till ditt företag eller för en grupp? Skicka ett mejl så kan vi boka ett förutsättningslöst möte och se ifall vi kan hitta ett upplägg och kanske jobba tillsammans. Kostnadsfri minikurs, "Inre Lugn"https://angelica-almqvist-974f.mykajabi.com/inre-lugn Hosted on Acast. See acast.com/privacy for more information.

Dr. Rade interviews Maria Zilka about her extensive experience using the Safe and Sound Protocol.   Maria's website: https://mariazilka.com/   To join Dr. Rade's mailing list to get free access to the first two parts of his Overcoming Chronic Illness Course: https://eastcoastnaturopathic.com/dr-bryan-rade-mailing-list   If you would like to have Dr. Rade consult on your case, please visit https://eastcoastnaturopathic.com/   Dr. Rade's Instagram page: https://www.instagram.com/dr.bryanrade.nd/   Dr. Rade's YouTube channel: https://youtube.com/@halifaxnaturopathicdoctor6227

Dr. Rade interviews Dr. Janel about her extensive experience with high-dose sulfur therapy to treat a wide range of conditions, including chronic digestive disorders.   Dr. Janel's website: https://gijanel.com/   Dr. Janel's Instagram page: https://www.instagram.com/gi_janel/   Dr. Janel's YouTube channel: https://www.youtube.com/@GIJanel   To join Dr. Rade's mailing list to get free access to the first two parts of his Overcoming Chronic Illness Course: https://eastcoastnaturopathic.com/dr-bryan-rade-mailing-list   If you would like to have Dr. Rade consult on your case, please visit https://eastcoastnaturopathic.com/   Dr. Rade's Instagram page: https://www.instagram.com/dr.bryanrade.nd/   Dr. Rade's YouTube channel: https://youtube.com/@halifaxnaturopathicdoctor6227  

Gost 199. izdanja podkasta Pod kapicom bio je Marko Avramović, generalni sekretar Udruženja vaterpolo trenera Srbije. Pričali smo o nedavno održanom godišnjem Seminaru u amfiteatru Fakuleta za sport Univerziteta "Union Nikola Tesla". Marko je podelio informaciju o broju učesnika, radu na pravnoj zaštiti trenera, interesovanju za ženski vaterpolo, situaciji u klubovima i konsekvenci koju bi trebalo da podele svi oni koji izostaju sa Seminara u organizaciji Udruženja trenera… Poseban osvrt imali smo na edukaciju trenera, činjenicu da ima dece koja odustaju od sporta zbog izostanka adekvatnog stručnog pristupa, što dovodi i do zaključka da je bolje imati 20 pravih i posvećenih trenera nego one kojima je vaterpolo isključivo prilika za dodatnu zabavu… Prilagođavanje Ratka Rudića u Londonu, stanje u struci i posvećenost bivših asova zaljubljenika u sport, spremnih za dodatnu edukaciju u cilju napretka srpskog vaterpola… Zašto je sportu marketing važniji od novih pravila, kako se prave zvezde, i ko je kriv što se utakmica Novi Beograd - Radnički u polufinalu Kupa igra pred gotovo praznim tribinama… Reakcije trenera na predavače Bojana Međedovića, inače dekana Fakulteta i grčkog trenera Evangelosa Dudesisa, selektora ženske holandske reprezentacije….Gost: Marko AvramovićDomaćini: Aleksandra Radivojević i Pavle Živković#podkapicom #infinitylighthouse#vaterpolo 00:00:00 Početak i Uvod------------------------------HUMANITARNI KUTAKPomozimo Martinu!Slanjem SMS poruke: Upišimo 1503 i pošaljimo SMS na 3030Slanjem SMS poruke iz Švajcarske: Upišimo human1503 i pošaljimo SMS na 455Uplatom na dinarski račun: 160-6000001670866-23Uplatom na devizni račun: 160-6000001671337-65IBAN: RS35160600000167133765SWIFT/BIC: DBDBRSBGUplatom platnim karticama putem linka: E-doniraj (https://www.budihuman.rs/edonate/sr?user_id=1503)Uplatom sa vašeg PayPal naloga putem linka: PayPal (https://www.budihuman.rs/paypal/sr/donate?user_id=1503)-----------------PODRŠKA ZA INFINITY LIGHTHOUSEUkoliko želite da podržite ekipu Infinity Lighthouse i sve što radimo, najbrže je kroz Patreon i YouTube članstvo.Patreon: https://www.patreon.com/infinitylighthouse YT: https://www.youtube.com/channel/UCQ2D37u3DU1XGxxriq5779Q/join-----------------NAŠA PRODAVNICA - ️https://shop.infinitylighthouse.comSvi koji žele da obogate svoju biblioteku prelepim delima o Formuli 1 i MotoGP-u ili se obuku u naše, zajedničke, boje, tu je naša zvanična prodavnica knjiga, majica i kačketa.PATREON I YOUTUBE MEMBERSHIP ️- www.patreon.com/infinitylighthousePodrška na Patreonu i YouTube-u nam veoma znači i pre svega hvala svim našim pokroviteljima, a ukoliko ste u  mogućnosti i vi da nas podržite, pomoćićete nam da dalje napredujemo i razvija se naša, nadamo se zajednička, priča.NAŠE DRUŠTVENE MREŽE Instagram - https://instagram.com/infinitylighthouse Facebook - https://facebook.com/theinfinitylighthouseTwitter - https://twitter.com/infinitylighthsSPORTSKE VESTI - https://sportsmagazin.rsMusic credit: Envato Elements Item/Cinematic Heroic by StudioKolomnaAutor: Srđan ErcegDatum: 30. januar 2025.Lokacija: Studio na kraju UniverzumaProdukcija: Infinity Lighthouse https://www.youtube.com/infinitylighthouseWebsite: https://infinitylighthouse.com/Zabranjeno je svako kopiranje i neovlašćeno preuzimanje video i/ili audio snimaka i postavljanje na druge kanale! Nije dozvoljeno koristiti materijal sa ovog kanala, bilo u celosti ili iz segmenata, bez licenciranja / plaćanja kako za komercijalnu, tako i za nekomercijalnu upotrebu.Svaka upotreba bez licenciranja za komercijalnu ili nekomercijalnu / privatnu upotrebu biće procesuirana. Za sve informacije o pravima, za upite o licenciranju i dobijanju dozvole za korišćenje možete nas kontaktirati putem naše zvanične email adrese.Copying, re-uploading and illegally distributing this copyrighted work is strictly prohibited! Label and copyright: Infinity Lighthouse. ★ Support this podcast on Patreon ★

1. Niektoré bité deti chcú biť iné deti. Presne ako Fico. 2. Rusi už s nami rátajú. 3. Kotlára vláda vzala na vedomie. 

1. Fico nepoprel, že bol vo Vietname a pôjde do Bruselu 2. S Novým rokom nové štrapácie 3. Z Facebooku a Instagramu môžu byť ešte temnejšie miesta

"Oncology, Bile Physiology and More!" with Dr. Lindsay Adrian ND Dr. Rade interviews Dr. Adrian about her extensive experience working with patients dealing with diagnoses related to oncology and complex chronic illness.   Dr. Adrian's website: https://www.portmoodyhealth.com/dr-lindsay-adrian/   Dr. Adrian's Instagram page: https://www.instagram.com/portmoodyhealth_/   To join Dr. Rade's mailing list to get free access to the first two parts of his Overcoming Chronic Illness Course: https://eastcoastnaturopathic.com/dr-bryan-rade-mailing-list   If you would like to have Dr. Rade consult on your case, please visit https://eastcoastnaturopathic.com/   Dr. Rade's Instagram page: https://www.instagram.com/dr.bryanrade.nd/   Dr. Rade's YouTube channel: https://youtube.com/@halifaxnaturopathicdoctor6227

It's beginning to look a lot like Christmas, both around the TGMEM offices and around the seedy New York dreamscape of Stanley Kubrick's Eyes Wide Shut! This week, David and Justus explore the deceit, lust, and clandestine orgy clubs of this heartwarming holiday classic. Do you know the second password? It's “The Greatest Movie Ever Made!” Eyes Wide Shut (1999) is directed by Stanley Kubrick and stars Tom Cruise, Nicole Kidman, Sydney Pollack, Marie Richardson, and Rade Šerbedžija. Music: “Fractals” by Kyle Casey and White Bat Audio

Nova epizoda podkasta pod zaštitom Međunarodnog PEN centra "Dobar loš zao" uletela je u vaš život! U njenom prvom delu Nenad Kulačin i Marko Vidojković proučavali su koliko je crvene farbe dovoljno da bi novosadski trg ostao crven, usvojili su predsedničku usmenu odluku da ćete biti krivi ako vas naprednjak nasadi na haubu, osudili su Čelu jer ne zna u koje mu odeljenje ide sin, a sa osrednjim uzbuđenjem dočekali su nove, već viđene sukobe na Kosovu, ali sad na malo drugačiji način. Gošća u ovoj epizodi televizijska i radijska megazvezda, aktivistkinja i ulični kontrolor rada Informera, Dubravka Duca Marković! U razgovoru koji nije ličio ni na jedan prethodni razgovaralo se o svemu - od odbrane starog savskog mosta, preko visine penzija i neizbežnog Bajage, sve do toga ko je sve ružan na našoj javnoj sceni i zašto je to jedan od glavnih aduta za uspeh u Srbiji. Uz mnoštvo anegdota iz svoje epohalne karijere, Duca je sebi obezbedila titulu gošće kakvu DLZ nikada nije imao, niti će. Osim kada dođe ponovo. U Magarećem kutku možete videti koliko je Jovana Jeremić niža od puške Hekler i Koh, koja nije isti model kojim je ubijen Đinđić ali liči (momci su dobili naređenje da se to napiše na ovom mestu, usled njihovog nepoznavanja opreme za ubijanje). DLZ, samo na našem portalu!

Dr. Rade interviews Dr. King, the founder of the Primal Trust system.   Primal Trust website: https://www.primaltrust.org/   To join Dr. Rade's mailing list to get free access to the first two parts of his Overcoming Chronic Illness Course: https://eastcoastnaturopathic.com/dr-bryan-rade-mailing-list   If you would like to have Dr. Rade consult on your case, please visit https://eastcoastnaturopathic.com/   Dr. Rade's Instagram page: https://www.instagram.com/dr.bryanrade.nd/   Dr. Rade's YouTube channel: https://youtube.com/@halifaxnaturopathicdoctor6227

Dr. Rade interviews Dr. Gabrielle Donnelly about her firsthand experience with the Primal Trust system.   Dr. Donnelly's website: https://www.gabrielledonnelly.ca/   Dr. Donnelly's Instagram page: https://www.instagram.com/gabriellejoydonnelly/   To join Dr. Rade's mailing list to get free access to the first two parts of his Overcoming Chronic Illness Course: https://eastcoastnaturopathic.com/dr-bryan-rade-mailing-list   If you would like to have Dr. Rade consult on your case, please visit https://eastcoastnaturopathic.com/   Dr. Rade's Instagram page: https://www.instagram.com/dr.bryanrade.nd/   Dr. Rade's YouTube channel: https://youtube.com/@halifaxnaturopathicdoctor6227      

Join us in this enlightening episode as we sit down with Dr. Rade to explore the cutting-edge approaches in functional medicine for treating complex chronic illnesses. We delve into the use of qEEG brain mapping and neurofeedback for nervous system dysregulation, high dose sulfur therapy for chronic gut conditions, and the hidden impact of exocrine pancreatic insufficiency on digestive health. Dr. Rade also shares insights on the benefits of phospholipid therapy for brain fog, skin issues, and fatigue. Tune in to discover how these advanced therapies can help manage conditions such as Lyme disease, mold illness, POTS, and more.   Hosted by Leanne Vogel.   Dr. Rade's website: https://eastcoastnaturopathic.com/     IG page: https://www.instagram.com/dr.bryanrade.nd     Overcoming Chronic Illness podcast: https://overcomingchronicillness.podbean.com/     Optimistic Future podcast: https://www.optimisticfuturepodcast.com/     More info on sulfur therapy with Kathleen Janel, ND: https://www.youtube.com/watch?v=HFaVgGJk7Qs    Coaching and other supports available at: https://shop.healthfulpursuit.com/    Podcast Sponsors, links and offers available at: https://www.healthfulpursuit.com/podcast/   

Dr. Rade interviews Dr. Timmermans about his extensive experience using regenerative injection therapy (e.g. stem cells, prolotherapy, PRP, etc.) and peptide therapy to help patients with a wide range of pain-related issues, including arthritis.   Dr. Timmerman's website: https://regenerativeperformance.com/dr-drew-timmermans   Dr. Timmerman's Instagram page: https://www.instagram.com/drdrewtimmermans/   To join Dr. Rade's mailing list to get free access to the first two parts of his Overcoming Chronic Illness Course: https://eastcoastnaturopathic.com/dr-bryan-rade-mailing-list   If you would like to have Dr. Rade consult on your case, please visit https://eastcoastnaturopathic.com/   Dr. Rade's Instagram page: https://www.instagram.com/dr.bryanrade.nd/   Dr. Rade's YouTube channel: https://youtube.com/@halifaxnaturopathicdoctor6227

Rade Musulin, a member of the Academy's Research Committee, joins host Ted Gotsch on this special Election Issues Clearinghouse episode of Actuary Voices. They discuss Rade's wide experience in extreme weather events and their effects on property insurance, both professionally and here at the Academy. 

Dr. Rade interviews Dr. Roberts, a fellow naturopathic doctor, about her extensive experience with complex chronic illness and using European Biological Medicine.   Dr. Roberts' website: https://advancednaturopathic.com/   Dr. Roberts' Instagram page: https://www.instagram.com/drmelinaroberts/   To join Dr. Rade's mailing list to get free access to the first two parts of his Overcoming Chronic Illness Course: https://eastcoastnaturopathic.com/dr-bryan-rade-mailing-list   If you would like to have Dr. Rade consult on your case, please visit https://eastcoastnaturopathic.com/   Dr. Rade's Instagram page: https://www.instagram.com/dr.bryanrade.nd/   Dr. Rade's YouTube channel: https://youtube.com/@halifaxnaturopathicdoctor6227

A TIE!!! THERE ARE NO TIES IN FOOTBALL... well apparently there are. Fresh off an emergency live stream after the tie in Ottawa Greg and Alex are back and they brought Steve with them to fire another few shots at the CFL Command Centre.  The guys breakdown the 22-22 tie with the Ottawa Redblacks and what it means going forward. Plus with Trevor Harris returning from injury, where did Shea Patterson rank on his 6 games as the QB1. Then in the Odds and Endzones, Nathan Rourke is putting his NFL dream on pause to return to the CFL as the league's highest paid player. So, what does that mean for West MOP front runner Vernon Adams? New ownership for Edmonton Elks is due to be announced this week, and Greg gets fired up that their first priority might not be winning.   Plus a full preview on the upcoming home game versus the Fajardo-less Alouettes and Piffles Picks.

Steve and Alejandro dash across Europe in this 1997 American action thriller film directed by Phillip Noyce and starring Val Kilmer, Elisabeth Shue and Rade Šerbedžija. A spy franchise that never got off the ground. But why? Listen and find out. This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit rememberthatmovie.substack.com

Poslednja ovosezonska epizoda podcast-a pod zaštitom Međunarodnog PEN centra, "Dobar loš zao" je tu! Nenad Kulačin i Marko Vidojković su u prvom delu emisije razgovarali (opet) o litijumu, Brnabićkinoj vili i o napadu tabloida na naša dva div-junaka. Gost je predsednik NUNS, Željko Bodrožić. Kako se ređaju napadi na novinare, Bodrožić bi mogao da bude gost svake srede. Predsednik NUNS govorio je otvoreno i bez pardona (po čemu je i poznat) o situaciji u kojoj se nalaze naši novinari, ali i o uzrocima i posledicama te situacije. Govorio je, dakle, o celokupnoj situaciji u zemlji, koja je temelj za šikaniranje nezavisnih kritičih glasova, ali je na koncu ispoljio zavidnu dozu optimizma kad je reč o budućnosti Srbije. U Magarećem kutku videćete bizona. DLZ, samo na našem portalu.

After the success of the Tom Cruise led reboot, director John Woo take the reigns in this 2000 sequel Mission: Impossible II - Does it hold up or does it fall flat? Will Mike and Tristan agree with the original reviews or find a fresh perspective?Director: John WooProducer: Tom Cruise, Paula WagnerScreenwriter: Brannon Braga, Ronald D. Moore, Robert TowneDistributor: Paramount PicturesProduction Co: Paramount Pictures, Cruise-Wagner ProductionsRating: PG-13Genre: Action, Adventure, Mystery & ThrillerRelease Date: May 24, 2000Budget: $125,000,000 (estimated)Gross US & Canada: $215,409,889Gross worldwide: $546,388,108Tom Cruise, Dougray Scott, Thandiwe Newton, Richard Roxburgh, John Polson, Brendan Gleeson, Rade Šerbedžija, Ving Rhames

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

Prošla je kroz teško detinjstvo, unutrašnje borbe, depresiju, anksioznost, pomišljala na „najgore“ , a kad je shvatila u kom pravcu ide, zaustavila se i okrenula na drugu stranu, nastojeći da spasi sebe, kako bi jednog dana bila majka svojoj deci, onakvu kakvu ona nije imala - Milica Stevanović, trener za lični razvoj i terapeutkinja, majka dve devojčice, koja u novoj epizodi osim ličnog iskustva, donosi metode rada na sebi, koji su preko potrebni današnjim roditeljima. Svet gledamo kroz ružičaste, zelene, plave naočare, što je refleksija našeg uma, a on je zapravo potpuno drugačiji od onoga što je u našim glavama. Potrebno je da skinemo naočare i suočimo se sa bolom, problemima, traumama, kako bismo mogli da idemo dalje, da se nosimo sa sobom i da budemo oslonac svojoj porodici i deci, poruka je naše gošće. „U današnje vreme takozvanog plišanog roditeljstva, trudimo se da decu prezaštitimo, da im pružimo sve ono što nama nije bilo pruženo, ali zaboravljamo da je potrebno da nekada osete problem, da vide da svet nije mesto bez bola, prepreka, padova, ako se kao roditelji sukobimo sa njima povremeno, to može biti korisno, pre nego štetno“, objašnjava Milica. U osvrtu na svoje detinjstvo, koje je, kako je navela, bilo puno neizvesnosti, tenzije, stresa, jer nikada nije znala kakav će joj biti dan, sve je zavisilo od raspoloženja oca, koji je imao problem sa zavisnošću od alkohola, naglasila je da, bez obzira na sve, ni njoj, niti bilo kome, ne može celog života izgovor za loše postupke biti - „teško detinjstvo“. „Moji roditelji nisu više živi i ne bi bilo normalno da u ovim godinama pronalazim izgovor i opravdanje za svoje negativne postupke u tome što mi oni nisu pružili i što sam proživljavala traume kao dete. Svi mi, odrasli, imamo priliku da popravimo svoje stanje i izlečimo ožiljke, koji su nastajali tokom odrastanja. Na nama je da to učinimo jer imamo odgovornost“, kaže Milica. Razgovor sa decom je ključan u njihovom odrastanju, a napominje kako ona ni to nije imala, jer pripada generaciji koju su stariji ućutkivali. „Nama su govorili da ne talasamo, da pustimo starije kad pričaju, da ne pametujemo. Danas to nije tako, roditelj pita svoje dete šta ga muči, šta želi ili ne želi. Kako se oseća povodom neke situacije, jer potrebno je nama da znamo, a deci da izgovore. Krajnost, naravno, nije dobra, jer onda dobijamo dete koje očekuje ‚svet na tacni‘, kojem mora da se udovoljava, a to u realnom i odraslom životu - nije moguće“, upozorava naša gošća. Milica nam objašnjava kako da „radimo na sebi“ da bismo postali bolji ljudi i roditelji i kako da se izborimo sa traumama iz detinjstva i „slikama“ roditelja, koji su imali problem sa bolestima zavisnosti. Ona ukazuje na najteže posledice po dete koje je odrastalo sa roditeljem zavisnikom. Takođe savetuje šta da radimo kad u svom ponašanju i odnosu prema deci, prepoznamo negativno nasleđe naših roditelja. Naša gošća opisuje loše strane „plišanog roditeljstva“, ali i naglašava da traume i ožiljci iz detinjstva ne smeju biti izgovori za nedoličan život u odraslom dobu. Krivica je uobičajeno osećanje za svakog roditelja, koji se tokom detetovog odrastanja neretko zapita „Gde grešim?“ ili kad dete nešto loše uradi, pomislimo „Ovo je moja krivica, ja sam kriva.“ Međutim, ističe Milica, krivo je i današnje društvo, mreže na internetu koje šalju poruku savršenih roditelja koji realno ne postoje, ali ih vidimo na postovima, fotografijama, snimcima. Iz tog razloga, njen prvi savet mladima, koji tek ulaze u svet roditeljstva je – ugasite Instagram!

In this episode of the Crisis Lab Podcast, host Kyle King interviews Dr. Rade Rajkovchevski, a seasoned professional in civil protection, humanitarian action, and disaster preparedness and resilience. Kyle and Rade discuss how the European Union (EU) and NATO strengthen the resilience of their member countries and communities. They also look at how the EU's sustainable projects and NATO's civil protection efforts can work together to build stronger communities. Dr. Rade Rajkovchevski, an expert in civil protection and disaster resilience, held a position as a Professor at the Faculty of Security in Skopje, St. Kliment Ohridski University in Bitola, Republic of North Macedonia. His academic journey began in 2006, enriched with experiences in the military, civil protection, and private security sectors. His expertise spans policing, civil protection, humanitarian action, and disaster resilience. Recently, he was appointed as the Head of the Secretariat of the Disaster Preparedness and Prevention Initiative for South East Europe (DPPI SEE). Tune in to compare perspectives on resilience in civil preparedness. Show Highlight [04:01] EU's comprehensive approach to resilience [06:13] NATO's pragmatic approach to resilience [12:40] EU's Resilience Dashboards [17:35] NATO's national and collective capacities [21:48] Resilience in the context of Ukraine [25:53] Future of resilience and potential fatigue [30:38] The role of local communities in resilience Connect with Dr. Rade Rajkovchevski -Linkedin

I veckans huvudavsnitt pratar vi de unga männen som nyligen dömdes för masskjutningen i Farsta centrum förra året samt tonårstrion som åtalats för en serie home invasion-skjutningar som utfördes i höstas. Vi diskuterar hur de bakomliggande orsakerna måste ta itu med samtidigt som vi konstaterar att en viss grad grova brott gör att gärningspersonerna förbrukat sin chans att få vistas i samhället.Sen snackar vi Jimmie Åkessons utspel om folkutbytet som han påstår äger rum i Sverige: en antisemitisk, rasistisk OCH islamofobisk högerextrem konspirationsteori som Åkesson nu vill göra rumsren. Glöm inte att rösta i EU-valet hörni!Vi hinner också beröra den nya dokumentärserien ”Kevin Spacey Unmasked” samt den antisemitiska myten att judar var särskilt ansvariga för den transatlantiska slavhandeln – en myt som nu också sprids i Sverige trots att den motbevisats flera gånger om.  Stötta oss på Patreon för regelbundna bonusavsnitt + mer! Hosted on Acast. See acast.com/privacy for more information.

İrade Kahramanları | Hisar Camii Vaazları 3 | M. Fethullah Gülen by Çınar Medya

In a first-ever for the boys in Thinking Town, Canada... this is the first of a Taken twofer. That's right - starting off this week with Taken 2, a film that asks the question: do you want to see it again but not as good? This film has everything from Bryan's daugher Kim using grenades like sonar devices, Bryan's sewing circle of friends who dish way too much, some of the worst fight choreography you'll see in an action film and much more. Next week: Taken 3! What We've Been Watching: Abigail Civil War Questions? Comments? Suggestions? You can always shoot us an e-mail at wwttpodcast@gmail.com  Patreon: www.patreon.com/wwttpodcast Facebook: www.facebook.com/wwttpodcast Twitter: www.twitter.com/wwttpodcast Instagram: www.instagram.com/wwttpodcast Theme Song recorded by Taylor Sheasgreen: www.facebook.com/themotorleague Logo designed by Mariah Lirette: www.instagram.com/its.mariah.xo Montrose Monkington III: www.twitter.com/montrosethe3rd Taken 2 stars Liam Neeson, Maggie Grace, Famke Janssen, Rade Šerbedžija, Leland Orser, Jon Gries, D.B. Sweeney and Luke Grimes; directed by Olivier Megaton. Learn more about your ad choices. Visit megaphone.fm/adchoices

Exhausted and not sure why? Let's unpack the details with Dr. Bryan Rade of East Coast Naturopathic. We're covering what your mitochondria do and why they're responsible for how your hormones function, and how much/little energy you have. Plus, details on what nutrients are needed to balance these systems, and where else to look when nothing is adding up.   Hosted by Leanne Vogel. Overcoming Chronic Illness Course (2 FREE modules): https://eastcoastnaturopathic.com/dr-bryan-rade-mailing-list  Coaching and other supports available at: https://shop.healthfulpursuit.com/ Podcast Sponsors, links and offers available at: http://ketodietpodcast.com/

Interviewed by Dr. Rade of Overcoming Chronic Illness Podcast. We're focusing on weight loss, metabolic adaptation, how to use keto to reset your metabolism, calorie intakes, keto frustrations, and we throw in a little conversation about functional blood work - how to understand your labs!   Hosted by Leanne Vogel.   Connect with Dr Bryan: https://eastcoastnaturopathic.com/  Coaching and other supports available at: https://shop.healthfulpursuit.com/ Podcast Sponsors, links and offers available at: http://ketodietpodcast.com/