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Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this last episode of 2025, Justin interviews Morgan O'Rourke and Hilary Tuttle of RIMS Risk Management magazine on the most impactful risks of 2025 and what's expected in 2026. They discuss the difficulty of reporting on the rapid pace of risk change. Morgan and Hilary discuss the most impactful natural events of 2025: wildfires in California and Canada, Hurricane Melissa, and flooding. They discuss the economic risks posed by the unusual tariff changes in 2025 and how supply chains and inflation are affected. These risks are covered in the Q4 edition of RIMS Risk Management magazine online now.   Morgan and Hilary will return for the first episode of 2026, launching on January 5th.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. This is our final episode of 2025, and who better to spend it with than Morgan O'Rourke and Hilary Tuttle of RIMS Risk Management magazine? [:44] We will discuss some of the top risk management stories of 2025 and what they might mean for 2026. They will rejoin us for the first episode of 2026! But first… [:55] RIMS-CRMP and Some Prep Courses. The next virtual prep course will be held on January 14th and 15th, 2026. These are virtual courses. Links to these courses can be found through the Certification page of RIMS.org and through this episode's show notes. [1:12] RIMS Virtual Workshops are coming up. On January 21st and 22nd, Chris Hansen returns to deliver the course, "Managing Worker Compensation, Employer's Liability and Employment Practices in the US". [1:26] The full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's notes. [1:38] RIMS members always enjoy deep discounts on the virtual workshops. [1:48] The RIMS-CRO Certificate Program in Advanced Enterprise Risk Management is hosted by the famous James Lam. This is a live virtual program that helps elevate your expertise and career in ERM. [2:01] You can enroll now for the next cohort, which will be held over 12 weeks from January through March of 2026. Registration closes on January 5th. Or Spring ahead and register for the cohort that will be held from April through June, 2026. Registration closes on April 6th. [2:20] Links to registration and enrollment are in this episode's show notes. [2:27] On with the show! The annual Year in Risk Review edition of RIMS Risk Management magazine is now available. Visit RMmagazine.com for more information. [2:39] I wanted to dive deeper into some of the pages and the stories that made major headlines in risk management this year. Morgan and Hilary are rejoining us as part of our annual tradition. [2:54] We're not just looking back; we're also going to talk about how these events should be some warning signs and provide some extra insight for risk managers around the world. [3:05] Interview! This is our final episode of the year, and we're going out with a bang with two of my favorite people! [3:12] Morgan O'Rourke and Hilary Tuttle, welcome back to RIMScast! [3:23] Justin saw Morgan and Hilary, just a month ago in Seattle, at the ERM Conference. Morgan says it was raining the whole time, but it was a good conference. It was well-attended, and everybody enjoyed themselves, and the attendees got a lot out of it. It was a great event! [3:51] Hilary also thought it was great! The turnout was fantastic! There was some great feedback on a lot of the sessions. There were some packed rooms! People seemed pleased with the programming. Hilary didn't see the sun until she left, but she enjoyed the city! [5:12] Morgan and Hilary's goal for attending the ERM Conference is to gather good ideas for articles. They look for presenters who might be good content contributors in other formats. They look to get a sense of what is new and what is emerging. [5:24] Morgan and Hilary talk to members about what they're seeing in practice and what's concerning to them. Morgan says if there's a packed room for a session, it's clearly a topic that's resonating, which bumps it to the top of the list of things to pursue, since there's interest in it. [6:17] Justin notes that Morgan's always there in the sessions with pen and paper. He's old school! [7:36] Morgan says the hardest part of reporting on risk is the breadth of the risks they cover. Everything has a lot more nuance and a lot more effect. This incident happened, which had 57 knock-on effects. [7:47] Morgan explains why distilling that down to something that makes sense in article form is a huge challenge and compares writing about risk to the experience risk managers have with everything they deal with. [8:10] Morgan says that, at the end of the year, spotlighting the year in risk coverage is a challenge. How do you get the entire economic, geopolitical situation down to 200 words? [8:37] Hilary says the velocity of change is a challenge when covering risk. Unlike in everyday news coverage, they have to add an amount of value or takeaways for a reader who is looking to do something about risk. Developing that value, at the speed of risk, is particularly challenging. [9:15] Hilary continues. Crises are compounded now. You can't ignore a lot of those factors that make a crisis a bad issue. Hilary cites hurricanes, rapid intensification, which is a knock-on effect of climate change, lax building codes, and people building more in certain regions. [9:38] Hilary says you have to add so many layers to explain why this crisis is happening now. It becomes a lot more challenging to figure out how it impacts insurance. You have to take into account different exclusions or the way the policies are created. There are a lot of moving parts. [10:04] Morgan says, It's not just your picture. It's the picture of your suppliers and your customers, who might be across the country or around the world. All of their risks become your risks or, at least, will impact your business. [10:33] Justin compliments the digital layout of RIMS Risk Manager magazine. He speaks of how Morgan and Hilary go to RIMS events looking for inspiration for content and content contributors. [11:05] Morgan says, We're only as good as the information we've learned through the people we've met, or what we've read. We're not practicing risk managers. Hearing from experts who deal with it every day is the strongest way to get good content that resonates with our readers. [12:17] Morgan says wildfires were probably the most costly insured loss of 2025. Hilary says that earthquakes were the most costly in terms of the loss of life. The LA fire was the largest single economic loss. There are lots of expensive homes in Southern California. [13:26] Canada has had wildfires raging almost non-stop for two or three years. Wildfires are no longer secondary perils. They're a prime source of loss. Severe convective storms, in the aggregate, probably caused more damage than wildfires this year. [14:04] Hilary says severe convective storms have been in the top 10 for seven out of the last 10 years. Morgan says this was one of the top convective storm years. In natural disasters, you're not looking just at hurricanes and earthquakes, but also fires, floods, and more. [14:32] Hilary talks about secondary factors, like tremendous wind events in California, increasing the rate at which fires spread, making containment difficult. Things were moving fast. A lot of buildings were burning. It took three weeks to put out two of the largest fires. [15:05] Canada faced different challenges. All but two provinces had record, above-average fire seasons. Some fires impacted remote areas where getting people out is logistically extremely difficult. Seventy-something First Nations communities had to be evacuated. [15:35] If you're dealing with areas that are largely only accessible by air, getting communities of people out for long periods is logistically very challenging, with a devastating human impact. They're very different fires. [15:52] Hilary says it was quite a year. Morgan ties it back to the impact of climate change. It starts with drought, and it's exacerbated by winds. Then you've got these weird things that pop up where Mother Nature says, Hey, I've got a weird twist for you! [16:13] Quick Break! RISKWORLD 2026 will be held from May 3rd through the 6th in Philadelphia, Pennsylvania. RISKWORLD attracts more than 10,000 risk professionals from across the globe. It's time to Connect, Cultivate, and Collaborate with them. Booth sales are open now! [16:35] General registration and speaker registration are also open right now! Marketplace and Hospitality badges will be available starting on March 3rd. Links are in this episode's show notes. [16:50] Let's Return to Our Interview with Morgan O'Rourke and Hilary Tuttle! [17:11] Some of the fires Canada experienced this year were zombie fires, also called holdover fires, or overwintering fires. They can live in the soil under the snow until it gets warm, the snow melts, and they reignite. Some of the fires of 2025 were started in 2023. [16:23] Hilary believes those holdover fires were in Saskatchewan, Manitoba, the Northwest Territories, and up North. Holdover fires are most common in the Arctic Circle. [18:43] Morgan and Hilary believe that's a good example of things that will happen more frequently with climate change, affecting a larger number of people than before. [19:15] Morgan says convective storms are tornadoes and thunderstorms. Hilary adds that it has to do with the pressure front that leads to forming them. Outbreaks of many tornadoes in a couple of days wreak havoc in the U.S. Midwest. [20:06] Morgan says the highest intensity of a tornado is EF5. There was an EF5 tornado in North Dakota for the first time in 10 years. It touched down in a place where there were not a lot of people. [20:35] Hilary says we're seeing increasingly severe convective storms and inland flooding losses. Severe storms are flooding areas that weren't thought of as being at risk of flooding. [20:50] The more we build into these plains with high-value properties, the more damaging convective storms are getting. The storms are also getting worse. We're also seeing increasingly damaging hail. That's a severe convective storm issue, as well. [21:27] Morgan says climate change makes things more intense and widespread. Morgan says his favorite climate change after-effect was the attack of the jellyfish this year. [21:57] There were multiple instances of French nuclear power plants being taken offline by giant swarms of jellyfish clogging the coolant intake lines. Europe had a super-hot summer. Water temperatures rose, which increased jellyfish activity and presence. [22:26] There were so many jellyfish, they ended up in places they shouldn't be. France generates 70% of its electricity through nuclear power. If nuclear power plants are taken offline, it's not just a minor annoyance. [22:51] If you're a company during a blackout, you don't care that it was jellyfish. You're still not in business for the time that you don't have power. Suddenly, this climate change effect is now a part of a disaster preparedness plan because of climate change. You have to plan for jellyfish. [24:43] Hurricane Melissa was another storm with widespread flooding and enormous insured losses. Morgan notes that 2025 was a relatively low-activity season from the standpoint of how many hurricanes made landfall. [25:18] Melissa was the most damaging and probably accounted for 90% of economic losses and loss of life. It did billions of dollars' worth of damage. [25:33] There were three Category 5 Hurricanes this year; four is the record, but they mostly went out into the ocean; they didn't do anything. That doesn't mean it's always going to happen. If one storm hits the right place, you're in trouble. [26:07] It was an active storm season for Jamaica. It only takes one storm in your area to be an active season for you. [26:25] Hilary says Melissa is a textbook case of some of the perils of rapid intensification. It got much worse very quickly. The fact that we've seen such a proportion of Category 5 storms is a pattern that is concerning. [26:57] They discussed rapid intensification in the hurricane outlook for the season. Hurricane Erin also occurred this year. It intensified quickly, but it didn't cause a lot of damage. Your lead time is less when a storm intensifies quickly. [27:32] Morgan says it's important to get things in order before storms hit because you may not have the time to do it when it's mid-season. You don't know where or when a storm will hit. [27:50] Wikipedia calls Melissa the costliest storm in Jamaican history, at $10 billion in damage, 102 fatalities, 141 injuries, and 27 missing. [28:38] A Final Break! The Spencer Educational Foundation's goal to help build a talent pipeline of risk management and insurance professionals is achieved, in part, by its collaboration with risk management and insurance educators across the U.S. and Canada. [28:57] Spencer awards undergraduate, graduate, Ph.D., and Pre-Instructor of Practice Scholarships to students enrolled at an accredited college or university in the U.S. and Canada, and physically studying in either location. No remote coursework eligibility from other locations. [29:14] Including part-time, graduate scholarships to risk management and insurance professionals continuing their education. [29:20] Since 1980, Spencer has invested more than $11.1 million in the scholarship program with awards to over 1,700 students. More than 85% of Spencer's scholarship recipients remain in the industry to this day. [29:35] They've got undergraduate scholarships, full-time Master's scholarships, part-time Master's scholarships, pre-dissertation Ph.D. candidates, doctoral candidates, and pre-instructor of practice scholarships all open now. The application deadline is January 31st, 2026. [29:57] Visit SpencerEd.org/scholarships. You'll find the different application buttons. See the link in this episode's show notes for more information, giving you some extra homework to do over the holiday break, if you are taking a holiday break! [30:14] Let's Return to the Conclusion of Our Interview with Morgan O'Rourke and Hilary Tuttle!  [30:46] Justin mentions that tariffs in 2025 affect 90% of U.S. imports. That's a supply chain management issue and an ERM issue. Tariffs themselves are an issue. [31:16] What Morgan connects most to tariffs is the uncertainty they create, especially in the way they've been implemented this year. Tariffs are promised, then the terms are changed, creating uncertainty. What level of costs will businesses absorb or pass on to customers? [31:50] Morgan says those things make the business landscape unstable. Tariffs in April would be better than 57 different announcements that change the picture every other week and tend to tank the stock market. [32:20] Morgan says Goldman Sachs estimated in September that 55% of the incurred costs have been passed to consumers, depending on the business. Once it impacts your customers, you've got less revenue coming in. It's an unstable environment. [32:47] Hilary contrasts this year's tariffs with past tariffs. Usually, it's a "set it and forget it" situation. Hilary calls this year's tariffs erratic and confusing. The scale and the frequency of change are unprecedented. [33:31] Morgan says you can feel it when you go to the store. That's not helping from a personal standpoint or a business standpoint. Justin speaks of shrinkflation. [33:47] Tariffs are going to affect inflation. Nobody wants that. [34:22] Hilary speaks of alternate supply chains that are in more friendly tariff environments. Some of the items in your products are going to be different. Some of your processes will be different. You don't know if you're also going to be getting inferior products. [34:52] Morgan says it's not as simple as saying just get a new supplier. That's an operational shift from procurement, on. Hilary says, hopefully, you won't have to do product safety testing or environmental impact studies, or reporting around your supply chain. [35:09] Morgan notes that some raw materials may only be available in five countries, like a rare earth mineral. [35:32] Justin asks if this is explored in depth in the Q4 edition of RIMS Risk Management magazine. Hilary says we are not talking about rare earth minerals in that issue. Morgan is working on figuring out how we can cover that, perhaps, in 2026. [35:53] Morgan is fascinated by this topic. There are limited deposits of things. The broader point is that if you're affected by tariffs and you're trying to change suppliers or sources, you may not have all the options. [36:12] Hilary says it is a situation where the risk is very much there, but the management or mitigation of it is not necessarily something you can do much about. Only so many places make cobalt. Morgan adds, There are only so many mines out there. [36:31] Justin says, The Q4 edition of RIMS Risk Management magazine is out now. This is the last episode of 2025. We're going to have you back to discuss a little bit more in the first episode of 2026. [37:01] Morgan's parting words: "I'm just glad you're listening. I'm glad you're listening. I'm glad you're reading. I'm glad you're here. I feel like it's a privilege to keep writing for you, talking to you, so hopefully, we continue to do that in the new year. Everybody, be safe and happy." [37:14] Hilary's parting words: "Thanks for making it through another year!" [37:18] So, we're going to have you back in January, and we'll pick up there, probably with some cyber and some Data Privacy Day kick-off, January 5th, 2026. [37:35] Special thanks again to Morgan O'Rourke and Hilary Tuttle of RIMS Risk Management magazine and the RIMS Publications Department for joining us on RIMScast. They will rejoin us for the first episode of 2026. That will launch on January 5th. [37:52] Mark your calendar and subscribe to RIMScast through your podcasting app of choice! Visit RMmagazine.com to check out The Year in Risk edition of Risk Management magazine. That's the Q4 edition. This is reporting from the best in the profession. [38:12] You can't get any better than RIMS Risk Management magazine. [38:17] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [38:44] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [39:01] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [39:18] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [39:34] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [39:47] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [39:59] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS Risk Management Magazine: Year In Risk Edition | Feature Article Facilitating Risk-Based Decision Making | Virtual Workshop | March 4‒5, 2026 RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | Jan‒March 2026 Cohort | Led by James Lam RISKWORLD 2026 Registration — Open for exhibitors, members and non-members! Reserve your booth at RISKWORLD 2026! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS Risk Management magazine | Contribute RIMS Now Spencer Educational Foundation Scholarships | Submission Deadline Jan. 31, 2026 RISK PAC | RIMS Advocacy RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Series Featuring Joe Milan! Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam Prep | January 14‒15, 2026,  9:00 am‒4:00 pm EST, Virtual Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops "Managing Worker Compensation, Employer's Liability and Employment Practices in the US" | Jan. 21‒22, 2026   Upcoming RIMS Webinars: RIMS.org/Webinars   Related RIMScast Episodes: "Mid-Year Update 2025: RIMS Legislative and Risk Management News" "James Lam on ERM, Strategy, and the Modern CRO" "The Evolving Role of the Risk Analyst" "Presilience and Cognitive Biases with Dr. Gav Schneider and Shreen Williams" "Risk Rotation with Lori Flaherty and Bill Coller of Paychex" "Risk Quantification Through Value-Based Frameworks"   Sponsored RIMScast Episodes: "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL (New!) "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Kristen Peed!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guests: Morgan O'Rourke, RIMS Director of Publications and Risk Management Magazine Editor in Chief Hilary Tuttle, Managing Editor, Risk Management Magazine   Production and engineering provided by Podfly.  

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Joseph A. Milan, Ph.D., about the core philosophy or mindset for risk managers, the definition of acceptable risk, and how acceptable risk changes, depending on the organization's culture, strategy, or industry. Joseph shares his view on common mistakes and how biases can lead to gut decisions that are the least effective solutions. Justin and Joseph discuss Joseph's upcoming two-day virtual seminar, "Facilitating Risk-Based Decision Making", on March 4th and 5th, and how participants should prepare for it. Finally, Joseph shares closing thoughts for those in one-person risk departments. Listen for thoughts on how to keep the gut reaction out of decision-making.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. Our guest is Joseph Milan, Ph.D. You know him from the RIMS CRMP Insights Series. [:40] As one of our virtual instructors, he's here to discuss his own risk philosophies ahead of the RIMS Virtual Workshop on March 4th and 5th. He'll be leading "Facilitating Risk-Based Decision Making". But first… [:54] RIMS-CRMP and Some Exam Prep Courses. The next virtual prep course will be held on January 14th and 15th, 2026. These are virtual courses. Links to these courses can be found through the Certification page of RIMS.org and through this episode's show notes. [1:12] RIMS Virtual Workshops are coming up. On January 21st and 22nd, Chris Hansen returns to deliver the course, "Managing Worker Compensation, Employer's Liability and Employment Practices in the US". [1:26] The full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's notes. [1:38] RIMS members always enjoy deep discounts on the virtual workshops. [1:48] The RIMS-CRO Certificate Program in Advanced Enterprise Risk Management is hosted by the famous James Lam. This is a live virtual program that helps elevate your expertise and career in ERM. [2:00] You can enroll now for the next cohort, which will be held over 12 weeks from January to March of 2026. Registration closes on January 5th. Or Spring ahead and register for the cohort that will be held from April to June, 2026. Registration closes on April 6th. [2:20] Links to registration and enrollment are in this episode's show notes. [2:25] On with the show! Today, we will discuss facilitating risk-based decision-making with our friend Joseph Milan, Ph.D. He is the Principal at J.A. Milan & Associates and is also an Adjunct Professor at the University of Colorado. [2:43] He is a RIMS CRMP Commissioner. You get a lot of his insights from the RIMS CRMP Insights Series. A link is in this episode's show notes. In this dialog, we will get a preview of his upcoming workshop, "Facilitating Risk-Based Decision Making", on March 4th and 5th. [3:02] But we're really going to get into Joe's risk philosophies, which are the sorts of things the RIMScast audience can use as they develop their careers and as they move into higher positions, ascend the corporate ladder, or become a department of one. [3:20] Interview! I've known him for years, and I'm so glad to finally be saying… [3:22] Joseph Milan, welcome to RIMScast! [3:41] Justin notes that he and Joseph have recorded so many things through the years, but not RIMScast. Joseph says it's great to be back with Justin, and on this medium, and he looks forward to sharing more information with Justin and all the RIMS members. [4:21] Joseph shares his RIMS history. It started in the olden times of 2005 when he got involved in a committee Carol Fox set up, called at the time the ERM Development Committee, now known as the RIMS Strategic and Enterprise Risk Management Council. [4:46] Then Joseph started helping with curriculum development and in-person professional development, before COVID. [4:58] After COVID, Joseph has been involved not only in delivering seminars but, as a commission member for the RIMS-CRMP, helped develop that curriculum and governance structure. Joseph has been involved with RIMS in different ways over the years. [5:12] There's a good chance that someone listening to this podcast will think, Hey, I know that guy! I recognize that voice! [5:26] Joseph is an Adjunct Professor at the University of Colorado, Denver. He's been active in the Risk Consulting Space since 2008, doing projects that range from simple commercial insurance placements to complex ERM implementations. He brings a unique perspective. [6:02] Joseph teaches at the University of Colorado Business School. He helped develop a course on Enterprise Risk Management. ERM is truly becoming a mature discipline. Joseph thinks RIMS is establishing a global presence for ERM. Justin credits Joseph, in part, for that. [7:05] When Justin saw that Joseph was going to host a two-day workshop, March 5th and 6th, "Facilitating Risk-Based Decision Making", he said, Let's get Joe on the show and end 2025 with a great interview with him. [7:38] Joseph says the course is, in many ways, the pinnacle of risk management as a discipline. If we think about the domains and components of the RIMS-CRMP, the fifth domain within the CRMP is about supporting risk-based decision-making. [8:06] This is a two-day seminar that takes a deep dive into that space. Joseph says it's the most fun, advanced, and interactive. It's the task that requires the best blend between the technical and the so-called soft skills. It's really exciting. Joseph is looking forward to it. [8:28] Joseph hopes a lot of the audience listening to this podcast will take enough of an interest to spend the 14 or 15 hours — it seems like a lot, but it goes fast! There are breaks. [8:52] When Joseph leads a course, he takes questions live. His approach is dynamic and flexible in terms of making sure that people get what they expect from the seminar. [9:05] Joseph says crunching numbers is super important. The assumption for this seminar is that these are advanced practitioners who can do number crunching or hire somebody to do it. The number crunching is important because it sets the foundation for control limits. [9:23] Number crunching sets the foundation for being able to answer questions about risk philosophy. [9:34] Core philosophy is risk philosophy. Risk philosophy comes from definitions of risk appetite and risk tolerance, and being able to operationalize those definitions in simple statements, in plain language, tied to the control limits that come from the number crunching. [10:00] With a good amount of work, within any organization, a risk professional and a team of people dedicated to risk and ERM should be able to put those definitions into action. [10:31] In the context of an advanced risk management or ERM seminar, when we talk about risk, it's always also about opportunity. [10:46] The simplest definition of acceptable risk is that which fits within the risk philosophy of the organization, within risk appetite and risk tolerance, and supports the organization in terms of its pursuit of objectives. [11:04] It's almost always about higher profitability, more money in for-profit companies. Non-profit companies describe it differently. Maybe it's focusing on providing more service, which is a proxy for getting more money. [11:19] It's about remaining a going concern and achieving goals. That's the simple definition: fitting within risk appetite and risk tolerance. [11:52] Joseph says it's constantly about finding balance. It's not just about the most influential senior leader, the risk leader, or the ERM leader. [12:05] It's also about the risk owners within the organization and how they fit into the strategic direction of the organization: growth vs. stability. Maybe it's an organization in distress and is focusing on retrenchment and building up a balance sheet to be able to redirect itself. [12:27] It's in that space that a lot of times, there is an unintentional lack of organizational risk competency. That can contribute to not just conflict, but also misunderstandings about what's acceptable, in terms of taking on risk in pursuit of objectives. [12:49] Communication is something we focus on in the seminar "Facilitating Risk-Based Decision Making" quite a bit. [12:58] It is in the soft space of actively listening and identifying triggers in terms of perception of risk that have a huge impact on the decisions that an organization takes in risk and opportunity. It is challenging and time-consuming, but done correctly, it's super worthwhile! [13:27] Quick Break! RISKWORLD 2026 will be held from May 3rd through the 6th in Philadelphia, Pennsylvania. RISKWORLD attracts more than 10,000 risk professionals from across the globe. It's time to Connect, Cultivate, and Collaborate with them. Booth sales are open now! [13:49] General registration and speaker registration are also open right now! Marketplace and Hospitality badges will be available starting on March 3rd. Links are in this episode's show notes. [14:04] Let's Return to Our Interview with Joseph Milan! [14:14] Joseph Milan will be hosting a workshop, "Facilitating Risk-Based Decision Making", on March 4th and 5th. Registration closes March 3rd. Justin says there is nobody better than Joseph to host this RIMS workshop. Joseph has a wide range of experience. [15:14] A risk practitioner may focus more on the traditional space, insurance. Joseph says ERM will not supersede traditional risk management. [16:06] A common mistake is that risk practitioners tend to get distracted by what they think are big numbers, but which pale in comparison to the big picture on the balance sheet. [16:36] A good solution to that mistake is to find influential people in the organization who are plugged into financial planning, analysis, and budgeting, with a long connection to the organization, to help put things in perspective and answer questions about acceptable risk. [17:09] Does it fit within the organization's risk appetite and tolerance? Answering those questions quantitatively can be fairly easy in terms of doing analysis and providing conclusions about expected total losses, frequency, and severity. [17:33] The more important question is, is that acceptable, and does it fit within what executive leadership expects in terms of the stability of the financial performance of the company? [17:44] The mistake is in overemphasizing or overestimating the importance of certain quantitative components of a risk program that oftentimes might not be that important. Conversely, there might be something much less visible that needs more attention. [18:12] You have to know your audience, and you need to know what their emotions are, what motivates them, and what might trigger them. It's a bad idea to follow your gut, but it happens all the time. One of the main reasons it happens is because of emotion. [18:44] If you see weird, irrational things happening, often, it ties back to a personal experience that the President, CEO, or CFO had many years ago. You might have an operator who went through Hurricane Katrina and is super sensitive to that type of hazard risk. [19:11] Justin shares the impact Hurricane Sandy had on his home and on his parents' home, which was destroyed. The flooding gutted the area. Looking back, Justin will always have NatCat insurance. Justin is still traumatized by it. [19:53] Joseph emphasizes communication and knowing your audience. An organization may want to do ERM or take its insurance program to the next level. Some spaces trigger reactions and emotions. [20:31] It takes time to figure out an unwritten organizational culture. [21:18] Strategy impacts the perception of risk, what's acceptable in terms of risk, and what the upper and lower control limits are. Where does strategy come from? Joseph says strategy comes from vision, mission, and execution. [21:42] Strategy comes from various places. It could be external market forces. It could be the result of a merger or an acquisition, or a series of mergers and acquisitions. The executive leadership team may have to look around and ask themselves, Who are we? What are we doing? [22:08] The first company that hired Justin, in 20 years, has been acquired twice, and people who had been lifers are being shown the door. [22:46] Joseph says, In M&A, there is a huge impact on morale. Without a clear communication plan, backed up by action, things can get inefficient and expensive very quickly. [23:17] A Final Break! The Spencer Educational Foundation's goal to help build a talent pipeline of risk management and insurance professionals is achieved, in part, by its collaboration with risk management and insurance educators across the U.S. and Canada. [23:36] Spencer awards undergraduate, graduate, Ph.D., and Pre-Instructor of Practice Scholarships to students enrolled at an accredited college or university in the U.S. and Canada, and physically studying in either location. No remote coursework eligibility from other locations. [23:53] Including part-time, graduate scholarships to risk management and insurance professionals continuing their education. [23:58] Since 1980, Spencer has invested more than $11.1 million in the scholarship program with awards to over 1,700 students. More than 85% of Spencer's scholarship recipients remain in the industry to this day. [24:15] They've got undergraduate scholarships, full-time Master's scholarships, part-time Master's scholarships, pre-dissertation Ph.D. candidates, doctoral candidates, and pre-instructor of practice scholarships all open now. The application deadline is January 31st, 2026. [24:36] Visit SpencerEd.org/scholarships. You'll find the different application buttons. See the link in this episode's show notes for more information, giving you some extra homework to do over the holiday break, if you are taking a holiday break!. [24:53] Let's Return to the Conclusion of My Interview with Joseph Milan! [25:01] Justin had Jim Swanke as a guest on International Podcast Day, from the University of Wisconsin, Madison's Wisconsin School of Business. He mentioned he has a real passion for being an educator for risk management students. [25:25] Jim Swanke encourages students to lean into technology and AI as a proofreader and a time-saving tool, to help go through contracts, claims, and things like that. That was on the captive insurance side. [25:50] Justin asks Joseph for his take on AI. Joseph encourages students to go all in on it. It's the future. It is not going away. [26:04] Joseph's clients are asking him about AI because they're looking for opportunities to increase efficiency. Is there a way we can reduce the time it takes to do "fill in the blank"? [26:17] When you look at the top risk management information systems, the first and second place, Origami and Riskonnect, are spending a lot of time and money looking for any opportunity to leverage AI to make the broader risk management process more efficient. [26:42] Joseph gives the example of analytics. It takes a couple of seconds to do a multiple linear regression analysis. The hard part is collecting the data to support the analysis. If you can leverage AI to collect, clean, and organize data, that is something you should do, with caution. [27:09] We know that large language models tend to occasionally hallucinate. To have a non-sentient black box to have a hallucination as it's cleaning your data for analysis is a little bit of a scary thing. Fortunately, we humans are still around to check these machines. [27:33] Joseph says the shortest answer is that AI is not going away. It needs to be embraced carefully. The process fundamentals that we have been thinking about, doing, and teaching about for years are the same. They will not change. [28:03] Joseph will be leading the "Facilitating Risk-Based Decision Making" virtual workshop for RIMS on March 4th and 5th. It's a two-day course with six or more hours each day. [28:32] Joseph says it's a seminar that focuses on the advanced implementation of risk solutions. We will not be doing calculations, analytics, or analysis. [28:50] We're assuming that everyone is showing up with a deep and broad understanding of not only definitions of potential risk and opportunity, but also a solid foundation in the analytical space. [29:02] This is more about thinking about how bias influences individual, group, and social perceptions and recommendations, in terms of risk. [29:17] Participants should bring an open mind and an understanding of the importance of soft skills in the space of supporting risk-based decisions. [29:31] Some of the listeners may already have read this book, but Joseph recommends it again, Thinking, Fast and Slow, by Daniel Kahneman. It is the foundation for the seminar. [29:43] Joseph says, the book takes a deep dive into the "caveman" forces that influence intuitive, gut-reaction decisions, and how gut reactions can be a very unhelpful approach for the systematic, slower decisions that need to be made regarding complex risk. [30:09] Joseph recommends reading the book. He says it will provide you with a much better foundation for the seminar, and it's a book you will keep going back to throughout your career. [30:23] Justin says, It's been such a pleasure to see you again. I've got links to the RIMS-CRMP Insights Series that you did for us. There is plenty of Joseph Milan content here on RIMS.org. [30:50] Joseph's last words for listeners: The first message is to be committed to the hard work that goes into cleaning, organizing, and setting the stage. It's part of being a good risk manager. [31:52] Beyond that, a lot of what we talk about in the ERM space has to do with leveraging existing resources and breaking down silos. Find influential, knowledgeable people in your organization who can help with different cultural components and a lot of the tactical things. [32:14] They might be able to help you find shortcuts as you take on different implementations and initiatives within the risk space within your company. [32:30] Justin says, I look forward to seeing you again, in 2026, virtually, and/or in person. Thank you so much for all your time and for being so generous with your knowledge. [32:46] Special thanks again to Joseph Milan for joining us here on RIMScast. His virtual workshop is "Facilitating Risk-Based Decision Making". Enrollment closes on March 3rd for the two-day course, which will be held on March 4th and 5th. A link is in this episode's show notes. [33:07] Joseph will also lead the Pre-RISKWORLD two-day workshop, "Captives as an Alternate Risk Financing Technique," on-site in Philadelphia on May 2nd and 3rd, 2026. We will provide a registration link when it's available. Mark your calendar and learn from one of the best! [33:28] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [33:56] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [34:13] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [34:30] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [34:46] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [35:00] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [35:11] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: "Facilitating Risk-Based Decision Making" | Virtual Workshop | March 4‒5, 2026 RIMS-CRO Certificate Program in Advanced Enterprise Risk Management | Jan‒March 2026 Cohort | Led by James Lam RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Series Featuring Joe Milan! RISKWORLD 2026 Registration — Open for exhibitors, members, and non-members! Reserve your booth at RISKWORLD 2026! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS Risk Management magazine | Contribute RIMS Now Spencer Educational Foundation Scholarships | Submission Deadline Jan. 31, 2026 RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam PrepJanuary 14‒15, 2026, 9:00 am‒4:00 pm EST, Virtual Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops "Managing Worker Compensation, Employer's Liability and Employment Practices in the US" | Jan. 21‒22, 2026   Upcoming RIMS Webinars: RIMS.org/Webinars   Related RIMScast Episodes: "James Lam on ERM, Strategy, and the Modern CRO" "The Evolving Role of the Risk Analyst" "Presilience and Cognitive Biases with Dr. Gav Schneider and Shreen Williams" "Risk Rotation with Lori Flaherty and Bill Coller of Paychex" "Risk Quantification Through Value-Based Frameworks"   Sponsored RIMScast Episodes: "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL (New!) "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Kristen Peed!   RIMS Events, Education, and Services: RIMS Risk Maturity Model® RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Joseph A. Milan, Ph.D.   Production and engineering provided by Podfly.  

In Episode 147, we step onto one of the most storied and demanding landscapes in European adventure racing.Flavie Bahuaud of Raid In France, joins TDZ to pull back the curtain on the 2026 Adventure Racing World Championship, coming to Corsica in September 2026. This isn't just another host venue—it's an island defined by extremes: jagged mountains rising straight from the sea, historic trails, technical navigation, and terrain that demands respect from even the most experienced teams on the planet.Flavie shares the vision behind bringing the World Championship to Corsica, how Raid In France approaches course design at the highest level of the sport, and what teams should expect—physically, technically, and mentally—when they arrive. We talk about Corsica's unique geography, the origins of Raid In France, and why this race will reward preparation, adaptability, and patience just as much as speed.If you're a team dreaming of a World Championship start line, a fan tracking the future of the sport, or a racer who wants a true challenge —this is an episode you don't want to miss.The road to Corsica has begun.Shownotes: https://www.arwc2026.com/https://www.arworldseries.com/races/Corsica-is-magic-ARWC2026https://www.raidinfrance.com/Sponsor Links:Nuataaq Carabiner Hydration Bottle - www.nuataaq.comShenandoah Epic Adventure Race - https://www.adventureenablers.com/Adventureware Shop - https://adventureware.shop/

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Andréia Stephenson, BSc SIRM, Enterprise Risk Analyst at London Metal Exchange, about her shift from a Bachelor of Science in biology to a risk analyst and risk professional. Andréia speaks of her passion for data and the importance of communicating at all levels of your organization. She regards working for different organizations with good leaders as a way to learn risk frameworks and gain foundational knowledge. She shares views on how risk analysts can influence risk culture. She also tells how she uses AI as an assistant. Listen for thoughts on building a risk-aware culture by asking leaders the right questions.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. Our guest today is Andréia Stephenson, BSc SIRM, Enterprise Risk Analyst at London Metal Exchange. She will discuss her career and the evolving role of the Risk Analyst. But first… [:43] RIMS-CRMP and Some Exam Prep Courses. From December 15 through the 18th, CBCP and RIMS will present the RIMS-CRMP Exam Prep Boot Camp. [:53] Another virtual course will be held on January 14th and 15th, 2026. These are virtual courses. Links to these courses can be found through the Certification page of RIMS.org and through this episode's show notes. [1:07] During the interview with Andréia, you will hear her reference the RIMS CRO Certificate Program in Advanced Enterprise Risk Management, which is hosted by the famous James Lam. Andréia is an alum of the program. [1:23] You can enroll now for the next cohort, which will be held over 12 weeks, from January through March of 2026. Registration closes on January 5th. Or Spring ahead and register for the cohort held from April through June of 2026. Registration closes on April 6th. [1:39] Links to registration and enrollment are in this episode's show notes. [1:46] Justin shares that RIMS suffered a tremendous loss in December. Chief Membership Experience Officer, Leslie Whittet, with RIMS for almost three years, tragically passed away due to injuries she sustained in an accident. She was walking her dog when she was struck by a truck. [2:18] Some of the RIMS staff, including CEO Gary LaBranche, knew Leslie from years prior. We are all shocked and saddened. Leslie was a remarkable association leader with 30 years of experience. [2:33] Gary LaBranche had the privilege of working alongside Leslie Whittet at the Association for Corporate Growth for nine years. For the last three years, Justin has had the pleasure of working with her at various RIMS events and seeing her weekly on our remote calls. [2:50] Leslie was always a source of positivity, inspiration, and creativity. She was just a wonderful person who will be deeply missed. Her memory is certainly a blessing. [3:03] RIMS will celebrate her memory at the Chapter Leadership Forum in Orlando in January. If you have any questions, please contact Josh Salter, jsalter@RIMS.org. Tributes are pouring in on LinkedIn and various networking groups. [3:22] If you have memories and photos you'd like to share, we encourage you to do so to honor her memory. [3:29] It wasn't easy to speak these words or read them, so I want to take a brief moment of silence to honor Leslie before we go any further. [3:44] On with the show! Our guest today is Andréia Stephenson. She comes to us all the way from London, where she's an Enterprise Risk Analyst for the London Metal Exchange. [3:57] You may know her a little bit from some promotional videos we've done on social media, promoting the James Lam CRO Certificate Course. In getting to know her, I was struck by how enthusiastic she was about her role as a Risk Analyst for years. [4:14] Many risk professionals begin as risk analysts; others, like Andréia, can make a thriving career of it. She's here to share some tips on how to do that, where ERM fits into the mix, and where she believes the role of the risk analyst will be going in the near future. Let's get started… [4:36] Interview! Andréia Stephenson, welcome to RIMScast! [4:47] Andréia may sound familiar to you because she did a testimonial on LinkedIn for RIMS for the James Lam CRO Certificate course. Justin says she was great to work with. That's how she and Justin met, and that's why she's here. [5:19] Justin notes that his voice is lower from "shouting" during the ERM Conference. Andréia looks forward to the RIMS ERM Conference 2026. [6:09] Andréia shares an overview of her career. She started at O.R.X., an operational risk data exchange association, where she learned all the principles of risk management. It gave her a strong background in operational risk. [6:36] From there, she went to London to go into a second-line risk management function as an analyst at a wealth management investment firm, then she went to a small investment bank, then to another wealth management firm, and now, to the London Metal Exchange. [7:00] They were all analyst roles, primarily operational risk, but also enterprise risk management. Risk has been part of her life for the last 10 years. The foundation was set by O.R.X. She holds the company close to her heart. [7:28] Andréia loves data. It's incredibly important for driving analysis. She says any analyst who doesn't love data is not an analyst! Data structure and data quality are very important for risk analysis, or any analysis. You need to love data to be able to do good risk management. [8:13] Andréia says that working in different organizations is important for risk management. It helps you connect the dots between the components of a risk management framework. [8:28] When Andréia started at O.R.X., she understood all the components, but she didn't join the dots until she went into the industry, hands-on, in the deep end, trying to figure out an RCSA, a KRI, or a KPI. Then, all the components of risk management started to make a bit more sense. [8:53] Andréia has always been fortunate to have worked with several exceptional leaders, each of whom had a kind of superpower in risk management that influenced her approach and understanding of risk. [9:07] Andréia's first manager at O.R.X. was tough and meticulous. She had a deep understanding of corporate governance and the boundaries between the risk types: strategic, financial, and non-financial. [9:22] At the time, Andréia didn't really appreciate how valuable the discipline was. She didn't understand yet. In hindsight, it gave her a strong foundation. Another CRO she worked with taught her the importance of communication in risk. [9:46] Aside from his technical ability, he understood stakeholder management at every level of the organization and how to translate the risk concepts for different audiences and build alignment. [10:00] Then she had a head of risk who was incredible with data, with an exceptional ability to quantify risk using analytics and evidence. Having a science degree, numbers were not Andréia's strongest area, but working with someone who pushed her helped her to become stronger. [10:25] Andréia thinks that working in risk in different organizations can help you build those thoughts. [10:32] Andréia has a Bachelor of Science degree in biology from the University of Bath in England. She's happy she decided not to pursue biology and took the risk road, instead. [10:55] Justin tells of recently having Kellee Ann Richards-St. Clair on the show. She's on the RIMS Strategic and Enterprise Risk Management Council. Kellee Ann started in Chemistry.l She moved into Energy and Power and became the de facto ERM Manager for her organization. [11:15] Kellee Ann and Andréia channelled other areas of knowledge to apply them to risk. For Andréia, the statistical side of biology has been helpful in risk management. James Lam states in his CRO Certificate program that risk is probability and statistics. Risk management isn't easy. [12:19] Andréia believes that legacy tools and practices fall short when they are disconnected from the organization's purpose, vision, mission, and strategic objectives. GRC systems have different modules: an RCSA module, a budding issue module, and an incident module. [12:49] Andréia hasn't seen a system that can connect the dots well. Risk practitioners don't always know how to connect the dots, either. An RCSA becomes isolated from the risk itself because people don't understand the context of those risks. [13:17] Working with business senior leaders to understand the context of your organization will help you to provide more valuable use of those tools and practices. [13:32] Andréia explains RCSA. It stands for Risk and Control Self-Assessment. It's a thought process. You sit down to understand what's most important to you, how much you care about it, and what you have in place to protect what's most important to you. [13:55] Andréia says the way we try to document that thought process is quite heavy. The industry requires that process to be complicated. Andréia recommends simplifying it. [14:20] To simplify it, have a process that's more sensible. The industry requires you to do assessments for inherent risk and residual risk. First, determine if a risk is important to you. If it's not important, why are you assessing it? [15:09] Andréia thinks the industry makes it difficult by requiring organizations to assess risks in a certain way, when it doesn't actually make sense. Managers have to have the courage to say it doesn't make sense for the organization, let's try a simpler approach. [15:34] Andréia uses screens, but sometimes pen and paper will do. Having that brainstorming session with the business really helps in trying to understand the purpose of what you do for your organization and where you fit in the strategic purpose of the firm. [15:51] What is most important to you, as opposed to thinking of everything that could go wrong? Risk is not only about negative outcomes but also about opportunities. [16:09] Quick Break! RISKWORLD 2026 will be held from May 3rd through the 6th in Philadelphia, Pennsylvania. RISKWORLD attracts more than 10,000 risk professionals from across the globe. It's time to Connect, Cultivate, and Collaborate with them. Booth sales are open now! [16:31] General registration and speaker registration are also open right now! Marketplace and Hospitality badges will be available starting on March 3rd. Links are in this episode's show notes. [16:44] Let's conclude our Interview with Andréia Stephenson! [17:14] Beyond documenting risk, Andréia thinks a risk analyst can shape an organization's risk-aware culture by asking questions. The quality of the questions they ask helps drive culture. [17:31] When an analyst consistently probes assumptions, highlights all the inconsistencies they find, or asks what this means in practice, that behavior encourages others to think more critically about risk and about what they are doing. [17:50] Good questions change behaviors. They prompt people to pause and reflect rather than to operate in autopilot, which we all sometimes do. [18:04] Andréia says analysts can contribute by making risk information simpler, clearer, and more accessible, looking for ways to simplify their reports and focusing on the most important things, day-to-day, for their objectives, and having a less bureaucratic process. [18:41] Andréia suggests having the courage to speak up when processes don't make sense in the second line of defense to help as much as possible the first line. [18:51] Risk analysts can influence and change behavior by building truthful and meaningful relationships with people, caring about the business, listening to the business units, taking their feedback to heart, and helping them to change the difficulties they encounter in risk. [19:19] Andréia works in the second line of defense. She works with a lot of first-line business units. For them, it's a burden when the risk team, the CRO, or the processes change. The risk analyst needs to help them minimize that burden. It's important to be conscious of that. [19:57] Andréia says when she goes into a new organization, the first thing she does is to understand the current state. What risk practices do they have? How do they operate? After a month, she has figured out how the organization is and how they make decisions. [20:17] When she has a suggestion, Andréia puts herself on the line for it. More often than not, it has worked out positively because she had good managers who could listen to her ideas for improvement. [20:41] If something doesn't make sense, you have to be true to yourself and say this process is lengthy, or this document is enormous; let's try to simplify it. Never be afraid of providing views for improvements, so long as you have one and have thought about it. [21:16] Andréia believes in passion for what you do. You need to be passionate, and if you're not, find your passion. For Andréia, it has always been to be a professional analyst and risk professional. That passion, in turn, drives your curiosity. [21:40] Look for ways to improve and learn. Working hard is really important, even with AI. Working hard drives good results. Data literacy is very important. Understand the basic principles of data and the basic tools that allow you to do data analysis. [22:04] Think, pause, and reflect. What does that data mean? What do those patterns mean? [22:10] Andréia stresses communication. She says she's still working on her communication skills. She is very direct at work. Sometimes that directness can seem abrupt. If something doesn't make any sense, she will put her hand up and say, This doesn't make any sense! [22:41] Having the soft skill to be able to communicate at all levels of the organization is important. That will set an analyst apart. [23:33] Andréia says AI is everywhere. She uses AI all the time for work and for her personal life. In her experience, AI is most powerful as a sounding board, a thought partner, and a colleague. It helps you explore ideas, structure problems, and challenge assumptions. [24:07] The analyst is the one who provides context and judgment. AI can help you generate lots of possibilities, but it can't decide what makes sense for your organization or for you. A critical mindset is very important. [24:25] Analysts need to treat AI as an extension of their thinking process, not as a replacement for it. You are the Quality Control. You are always the one accountable for the output. AI doesn't understand your business, your culture, or your strategic priorities, but you do. [24:48] There's always the risk that if you rely on AI without applying your own insight, the output will sound sort of right but not add any value. It may be technically correct, but contextually useless. [25:12] If analysts don't know how to extract, refine, and apply what the tool gives them, it won't move the needle in a meaningful way. [25:21] Analysts should work in different places, understand what a good framework is, get certifications, work with risk professionals, work to think about problems you haven't come across before, use critical thinking, and use AI to help perform the mechanical parts of your job. [25:51] Always rely on your judgment, your relationships, and your understanding of the business you are in. [26:04] Justin shares that philosophy. He uses AI as a sounding board, to help him if he's stuck on an idea, to help him expand it. If he likes it, he'll go with it. He takes the output as a template and refines it. [26:31] Andréia says it's almost like having an assistant. If it gives you something different than what you asked for, you can restate your question. [26:41] Justin's daughter is getting into advanced math in middle school. He doesn't remember a lot of it. He's asked ChatGPT to help him come up with math questions for his daughter. It has been invaluable for that. [27:20] Andréia uses it for formulas in Excel. She says, You still have to know what you want. You can prompt it to help you remember how to do something. Justin says you need the foundational knowledge. [27:45] Andréia says foundational knowledge is what will set people apart in their profession, whatever profession it is. She would much rather know what she knows than have AI do something and not feel comfortable with it. The foundation is really important. [28:08] Special thanks again to Andréia Stephenson for joining us here on RIMScast! Keep an eye out for her on LinkedIn in those super cool CRO Certificate Program promotional videos. [28:21] Remember, we have two more cohorts coming up, one in January and one in April. Links are in this episode's show notes.  [28:29] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [28:57] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [29:15] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [29:33] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [29:49] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [30:03] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [30:15] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | Jan‒March 2026 Cohort | Led by James Lam RIMS-Certified Risk Management Professional (RIMS-CRMP) RISKWORLD 2026 Registration — Open for exhibitors, members, and non-members! Reserve your booth at RISKWORLD 2026! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS Risk Management magazine | Contribute RIMS ERM Special Edition 2025 RIMS Now RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 Statement on the passing of RIMS Chief Membership Experience Officer Leslie Whittet Upcoming RIMS-CRMP Prep Virtual Workshops: "CBCP & RIMS-CRMP Exam Prep Bootcamp: Business Continuity & Risk Management" December 15‒18, 2025, 8:30 am‒5:00 pm EST, Virtual RIMS-CRMP Exam PrepJanuary 14‒15, 2026, 9:00 am‒4:00 pm EST, Virtual Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops   Upcoming RIMS Webinars: RIMS.org/Webinars   Related RIMScast Episodes: "James Lam on ERM, Strategy, and the Modern CRO" "RIMS ERM Global Award of Distinction 2025 Winner Sadig Hajiyev — Recorded live from the RIMS ERM Conference in Seattle!" "Presilience and Cognitive Biases with Dr. Gav Schneider and Shreen Williams" "Risk Rotation with Lori Flaherty and Bill Coller of Paychex" "Energizing ERM with Kellee Ann Richards-St. Clair" "Talking ERM: From Geopolitical Whiplash to Leadership Buy-In" with Chrystina Howard of Hub "Tom Brandt on Growing Your Career and Organization with ERM" "Risk Quantification Through Value-Based Frameworks"   Sponsored RIMScast Episodes: "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL (New!) "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Kristen Peed!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Andréia Stephenson, BSc SIRM, Enterprise Risk Analyst, London Metal Exchange   Production and engineering provided by Podfly.

For the past five years, the Texas Showdown Series has been slowly, inevitably, drifting west. We started in the dense, pine-soaked forests of East Texas, moved through the rugged limestone of the Hill Country, but the destination was always clear: Big Bend. Few landscapes in the world capture the heart and soul the way West Texas does. For those willing to push themselves to the edge, something different waits out there—something ancient, indifferent, and extraordinary. In the world of ultra-cycling, that "something" takes the shape of the West Texas Showdown. The WTS doesn't just test riders. It strips them down. It pushes them to their limits and then, without apology or sympathy, asks for more. Out there, the desert becomes your only companion—its silence broken only by your groans, your breathing, and the steady reminder that you are very far from comfort. And the numbers tell the story: only 32% of the field finished the course. In the Showdown category, the desert claimed all but three riders. Fifteen started. Three rolled into Terlingua. Despite the brutality of the route, the racing was electric and equally unrelenting. A small but mighty group battled back and forth across the miles, creating genuine, edge-of-your-seat dot-watching. It wasn't clear who would take the win until the final stretch, and by then everyone—riders, spectators, and the desert itself—had given everything they had. When the dust settled, here's who was left standing: 1st — Kyle Gilbert — 2d 5h 44m 2nd — Hannah Simon — 2d 16h 17m 3rd (DFL) — Robert Shine — 2d 19h 33m These three deserve every ounce of praise and recognition—not just for surviving the desert, but for putting on one hell of a race. Everyone who was out there knows how hard they had to fight, and they earned the respect of the entire field. On today's episode, I sat down with Kyle and Hannah in the back of DogSpeed Cycling in Austin, TX to talk all things WTS. At this point, they are the leading experts on the event, and we went deep: strategy, equipment, tire choice, water management, drop bags, preparation—you name it. Whether you're thinking about tackling WTS or you just want to hear two incredible humans break down an unforgettable ride, this episode is for you. On a personal note, hosting both Kyle and Hannah at their very first ultra-cycling race back at ETS 2021 was one of the highlights of my time in this community. Seeing them return nearly five years later—stronger, wiser, and standing atop the WTS podium—was a full-circle moment that I'll never forget. I couldn't be prouder of these two, and I have no doubt they'll keep pushing boundaries and inspiring others along the way. --------- The party starts again at the 6th Edition of East Texas Showdown at the Bullet Grill in Point Blank, TX. Need to know: - March 27th-29th, 2026 - Registration Open now - Showdown (395 miles), Slowdown (275 miles), Lowdown (160 miles) - NEW FOR 2026 we're introducing a Gravél option. Please say "hi" to the 69 miles Gravél Throwdown. This is a unique race format that introduces another opportunity for others to get in on the action over the weekend, but it also presents a new challenge for the ultra-cylists - anyone who finishes the Showdown or Slowdown before Sunday at 7am can enter the Throwdown for free. Should make for a really dynamic race...a battle between gravel racers and ultra-cyclists - its the Gravél Throwdown y'all! - more info can be found at TexasShowdownSeries.com Thanks to our newest Patrons!!! Dustin Mareth Indiana Shulz Manuel Busse Dave Milam  Borja G Join them won't you?! - Patreon.com/bikesordeath  

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews two guests who presented at the RIMS ERM Conference 2025 in Seattle, Washington. First, Dr. Gav Schneider, Group CEO Risk 2 Solution Group and Founder, Institute of Presilience Risk 2 Solution, and second, Shreen Williams, Founder & CEO, Risky Business SW, LLC, and a member of the RIMS Rising Risk Professional Advisory Group. Dr. Schneider explained the meaning of Presilience and risk intelligence in ERM. Shreen Williams discussed the cognitive biases that can be mitigated through the six stages of an ERM Framework. Listen for insights into implementing an ERM Framework in your organization.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. Our interviews were recorded live on site at the RIMS ERM Conference 2025 in Seattle. Our guests are Dr. Gav Schneider and Shreen Williams. We're going to have fun in this episode! But first… [:48] The next Virtual RIMS-CRMP Exam Prep will be held on December 9th and 10th. From December 15 through the 18th CBCP and RIMS will present the RIMS-CRMP Exam Prep Boot Camp. [1:05] Another virtual course will be held on January 14th and 15th, 2026. These are virtual courses. Links to these courses can be found through the Certifications page of RIMS.org and through this episode's show notes. [1:18] RIMS Virtual Workshops! "Managing Data for ERM" will be led again by Pat Saporito. That session will start on December 11th. Registration closes on December 10th. RIMS members always enjoy deep discounts on the virtual workshops. [1:37] The full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's notes. [1:48] The RIMS CRO Certificate Program in Advanced Enterprise Risk Management is hosted by the famous James Lam. This is a live, virtual program that helps elevate your expertise and career in ERM. [2:01] You can enroll now for the next cohort, which will be held over 12 weeks from January through March of 2026. Registration closes on January 5th. Or Spring ahead and register for the cohort held from April through June of 2026. Registration closes on April 6th. [2:21] Links to registration and enrollment are in this episode's show notes. [2:25] This episode was recorded at the RIMS ERM Conference 2025. We've covered a lot of ERM ground in the last few episodes, and for those who want to catch up, I've included a link to the RIMS ERM Special Digital Edition of Risk Management magazine in this episode's notes. [2:49] RIMScast ERM coverage is linked as well. Enhance your ERM knowledge with RIMS. [2:54] On with the show! We are following up last week's episode with ERM Global Award of Distinction winner Sadig Hajiyev by featuring interviews with two of the presenters who appeared at the RIMS ERM Conference, Dr. Gav Schneider and Shreen Williams. [3:12] Long-time RIMScast listeners may remember Dr. Gav Schneider from an episode in November of 2023. We were delighted that he made the trip all the way from Australia to join us at the ERM Conference in Seattle. [3:27] Dr. Gav is the Group CEO at Risk2Solution Group and the Founder of the Institute of Presilience. The title of his session on November 17th was "Embedding Presilience and Risk Intelligence into ERM." This harkens back to his prior episode about wicked problems. [3:45] We're going to start there and discuss how presilience takes that thinking to the next level for ERM leaders, and we're going to get some of his risk philosophies and have a great time. Let's get to it! [3:56] Interview! Dr. Gav Schneider, welcome back to RIMScast! [4:24] Dr. Schneider is here at the RIMS ERM Conference for the first time. It's the second-highest-attended ERM Conference in RIMS history. His session, later today, is called "Embedding Presilience and Risk Intelligence into ERM." [4:54] On Dr. Schneider's last visit to RIMScast, he talked about wicked problems. How does presilience take that mindset and thinking to the next level for ERM? [5:08] Dr. Schneider says the core idea of ERM is about getting scalable decision-making, recording, and outcomes, in terms of risk, for your organization. More and more, our organizations are facing these wicked problems. [5:25] We can't function anymore in a world of absolutes. When we plug risk intelligence into the way we think, act, and plan, we become adaptive. We also become opportunity-centric. [5:37] A wicked problem is not easily solved. When you implement a solution, it often leads to more problems. You have to be able to learn. If you can't learn, you can't adapt. [6:17] What are the core components of the Presilience Framework? Dr. Schneider says, simplistically, we think about tackling risk at three levels: the self, the team, and the organization. Then we overlay that with people and process, connected through leadership. [6:34] To make that work, we have to develop a set of core attributes: situational awareness, critical thinking, enhanced decision-making, effective and directive coms, the ability to act and enact, and the ability to learn and grow. [6:46] When you can plug that into your architecture, leveraging insight, hindsight, and foresight, you then can make the right calls about whether or not to do something. It becomes an overlay model for most ERM-type structures, where we can plug the human piece into the system. [7:15] Dr. Schneider says the core aim of ERM turns risk management into a team sport, with everyone across an organization reporting, collaborating, and understanding to make great decisions about where the organization is and where it's going, not where we think it is. [7:32] To do that, we need to plug certain things into the ecosystem of the organization, some of which are policies, procedures, and tech. Most ERM experts do that. The piece that we've ignored is the human part, because it's hard. [7:49] Dr. Schneider has compiled The Organizational Risk Culture Standard. It took about nine months of work. It was a thorough process. Five experts wrote it, 15 peers reviewed it, and 11 organizations have approved it, endorsed it, and are supporting it. [8:09] For years, Dr. Schneider had heard that organizations would not focus on human-centricities that they couldn't measure. [8:17] Dr. Schneider's framework has 10 domains with a maturity model that aligns beautifully with RIMS's ERM Model. It's built to encapsulate and incorporate ISO 31000 and COSO. Dr. Schnieider has just released it, free to download. [8:39] Dr. Schneider is excited about presenting his session in a couple of hours. Everyone tells him that the RIMS ERM Conference is the sharp end of the spear, with the smartest risk people. The session is "Embedding Presilience and Risk Intelligence into ERM." [9:10] Session attendees will learn about risk intelligence. Dr. Schneider's definition is an applied attribute or living skill that enables you to seize upside opportunities while you manage potential negative outcomes. [9:44] When you speak of risk intelligence as a living skill and applied attribute, it becomes an ability to scale great decision-making. You want risk-intelligent people, working in risk-intelligent teams, empowered and structured into a risk-intelligent organization. [10:18] Dr. Schneider says if we can't get those three layers to integrate and work together, you get frustrated stakeholders. Get your ERM team working to get everyone to understand the basics of risk reporting, using the metrics, and sharing information. [10:33] Justin compares it to the gears in a watch. Dr. Schneider agrees; there's not one moving piece, it's a complex ecosystem in most organizations because humans are complex. We're relying on tech and on variables we don't control. [10:46] Dr. Schneider says, in the conference, everyone's accepted how disruptive the current climate is, how difficult it is to forecast, and how uncertainty and volatility are dominating. [10:59] With that in mind, we've got to think of it differently. You can't force people to adopt a system and think it will work. If you want to get a high-performance culture, ERM is an incredibly useful tool, but only if people want it, like it, want to use it, and understand the benefit it adds. [11:17] Dr. Schneider thinks ERM is going to take a massive leap forward because of generative AI and because we've done well in process-based risk management. There are models, standards, and tools we can reference on how to do this. [11:32] Why most organizations fail is that people don't understand people and the drivers people have. The one thing that Dr. Schneider would love people to take away from his session is that "I have to start with me." [11:43] Dr. Schneider continues. If I'm trying to get people to do something, I need to understand the voice in my head, what's coming out of my mouth, and what my actions are. If I can't control that, what makes me think I'm going to change organizational culture? [11:54] It starts with me. Then I can move to us, and we can get this high-performing risk team. If I can get a high-performing risk team, now we are ready to take it through the organization. We can be the real value-add. [12:06] The risk departments of the future are not going to be what they were or what they are now. They're not going to be compliance departments anymore. [12:14] Risk departments of the future are going to be insight, hindsight, and foresight departments. They're going to create understanding of what's happened, what's happening, and what we need to do to capitalize on opportunity, while we manage downside. [12:34] Dr. Schneider points out that if we're looking at the same thing, we see something different. That's great for managing bias, but terrible if we can't align because we'll each think we're right, and pull apart. [12:47] One of the missions is to develop adaptable, high-performing humans who can leverage tach, collaborate, and solve problems. That's the future of risk management. [13:05] Dr. Gav Schneider, I look forward to popping into your session today. It is called "Embedding Presilience and Risk Intelligence into ERM." [13:19] Quick Break! RISKWORLD 2026 will be held from May 3rd through the 6th in Philadelphia, Pennsylvania. RISKWORLD attracts more than 10,000 risk professionals from across the globe. It's time to Connect, Cultivate, and Collaborate with them. Booth sales are open now! [13:42] Registration is open for RIMS members. General registration and speaker registration will open on December 3rd. Marketplace and Hospitality badges will be available starting on March 3rd. Links are in this episode's show notes. [13:55] Let's Bring out Our Next Guest, the Founder and CEO of Risky Business SW LLC, Shreen Williams! [14:05] If you are a regular reader of RIMS Risk Management magazine, you may recognize her name from the byline of a recent article, "How to Overcome Cognitive Biases in Risk Management." [14:19] Shreen is also a member of the Rising Risk Professional Advisory Group here at RIMS. She presented at the ERM Conference a session in the Foundational Level, called "Beating the Bias: Exposing and Combating Cognitive Biases in ERM." [14:35] Justin sat in on this session, and he had some follow-ups about cognitive biases and how they relate to ERM and risk management, generally. If you missed the session or have not yet read the article, this will give you a taste of what you missed or what you're going to read. [14:53] We're going to have a lot of fun! Let's get to it! [14:56] Interview! Shreen Williams, welcome to RIMScast! [15:05] Justin sat in on Shreen's session, "Beating the Bias: Exposing and Combating Cognitive Biases in ERM." Shreen explains that there are more than 150 biases from the standpoint of the psychology of human behavior. [15:29] Shreen focuses on the ones that are relevant to the ERM process. There are more than enough. In her presentation, Shreen focused on seven biases. The lifecycle for the ERM process has six stages. Five stages cover one bias each; the Risk Assessment stage covers two biases. [16:00] Justin mentions that for anyone who attended, the handout is available through the RIMS Events App. Shreen says she also put a QR code on the deck, so if you got the deck, you have that code, as well. [16:27] Shreen has an audio-visual platform she uses to get her thought leadership content out about what she loves most. She calls herself a risk nerd. She likes talking about the discipline in a way that's accessible and digestible to the end user. [16:43] Shreen says most of the time, you'll see the term ERM delivered in such a complex and jargon-filled way that it turns folks off who are not in this sector. That leads to confusion, overwhelm, and killing their engagement. [16:54] Shreen loves doing interviews to talk about the discipline in a way that is approachable, accessible, and digestible to the end user without any academic discipline. [17:05] In her session, Shreen said that cognitive biases often embed themselves in ERM processes without detection. Shreen describes a bias in the first stage of the ERM process life cycle, Identification. The bias that creeps in is Complexity Bias. [17:33] Shreen says that Complexity Bias is when organizations or people believe that the more complex something is, the more superior it is. It's not always true, and it's the worst posture to have in ERM. [17:48] Shreen gives a Complexity Bias example. A company hires a consultant to create an ERM Program and gets a 200-page framework to give to employees. The executives feel smart. The front-line employees are overwhelmed. It's too complex. It can't be operationalized. [18:13] You don't have consistent risk participation because the people don't know how to do it. [18:17] Shreen explains her technique to handle Complexity Bias. If you can't explain something in two minutes or less, go back to the table and try again. The more digestible you make the lingo, the more it will stick. [18:39] Shreen is a visual learner. She sees things clearly if you show them in an infographic. Different generations may learn differently. Shreen is very close to Gen Z. They keep her young! They also give her fresh perspectives on the discipline. [19:09] Ten years ago, most of the college curriculum for risk management was highly insurance-centric: actuary, underwriting, claims adjudication. [19:21] Shreen started in the banking sector, where ERM is prevalent and mature. Other industries didn't see the need for it. There were no regulatory requirements for it. [19:30] From the young people she coaches and mentors, Shreen has seen that universities are now teaching not only the insurance side but also ERM, and are framing the discipline as Risk Resilience.  [19:51] Shreen says young people are graduating with a broader perspective of the discipline, which opens opportunities for them. [20:00] Shreen has said she was the sober adult in the room while the leadership doused itself in champagne. She embraced that role when she joined the tech sector. Before then, Shreen worked for companies in heavily regulated industries: finance, transportation, and government. [20:18] Shreen says tech is completely night and day different from those industries. She says it's a hyper-close space. You have to get to things quickly and tell leaders what you are going to do immediately. You have about three minutes in front of the board. You have to be quick. [20:31] You have to be highly visual. You don't need 50 bullet points on the screen to make your point. You should be the expert. The visual just makes it more accessible to the people. [20:46] Shreen explains Premortem Analysis. We all talk about postmortems and after-actions. This makes ERM practitioners cringe. [21:05] Everything that happened was something you told the people was something on the table, and no one took you seriously, so now you're reactive and resolving whatever risk materialized. [21:16] Premortems are a favorite of Shreen's because you get to work through whatever that scenario is or that initiative is and flesh it out, from end to end. Then you reverse-engineer it and go back for each opportunity or risk you identify, good or bad, and you get to the best response. [21:30] If the initiative gets approved, you've already flushed out everything that could go wrong. [21:51] Shreen told a joke during the session that if you want your initiative to die, take it to ERM, and they'll tell you no. Shreen says, No, take it to ERM to get a clear and confident Yes. [22:14] Justin tells Shreen, You left us yesterday with a great sentiment that bias is not the enemy, blindness is. That hearkens back to everything in a premortem analysis. [22:27] Shreen's final words to the audience: "For those who are new to the discipline, do not be turned away or feel like you're not enough or something's wrong with you because you don't understand it. It's not you. It's likely the person or textbook you're getting information from. [22:40] "Most of the things that teach about ERM are highly theoretical. If you can find someone to align with, someone who's a mentor to you, see what they do, and how they go about it, highs and lows, you'll learn a lot more about the discipline hands-on than from any book. [22:55] Blindness and blind spots you cannot see. Sometimes you're focused like a racehorse with blinders on. With blinders on, you cannot avoid bias. Humans are a big part of the process. With humans come human biases. [23:21] The mitigant for bias is to have an awareness of it and have your little toolbox of those leading biases that you can go around to mitigate. [23:31] Justin says, Shreen, it's been such a pleasure. [23:36]  Special thanks once again to Dr. Gav Schneider and Shreen Williams for joining us here on RIMScast. They were fantastic speakers. I've got links to Dr. Schneider's prior episode and Shreen's RIMS Risk Management magazine article in this episode's show notes. [23:54] Be sure to check out last week's episode with Sadig Hajiyev, one of the two winners of the RIMS ERM Global Award of Distinction. For more ERM Conference coverage, check out the RIMS LinkedIn page for all sorts of photos, videos, and coverage of this fantastic event. [24:11] We had a great time, and we look forward to seeing you next year in Washington, D.C. for the RIMS ERM Conference 2026. [24:19] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [24:47] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [25:04] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [25:22] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [25:38] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [25:52] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [26:04] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | Jan‒March 2026 Cohort | Led by James Lam RIMS-Certified Risk Management Professional (RIMS-CRMP) RISKWORLD 2026 Registration — Open for exhibitors, members, and non-members! Reserve your booth at RISKWORLD 2026! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS Risk Management magazine | Contribute RIMS ERM Special Edition 2025 RIMS Newsroom: "Two Dynamic ERM Programs Win Top Honor at RIMS ERM Conference 2025" RIMS Risk Management Magazine: "How to Overcome Cognitive Biases in Risk Management" RIMS Now RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 Upcoming RIMS Webinars: RIMS.org/Webinars   Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam Prep December 9‒10, 2025, 9:00 am‒4:00 pm EST, Virtual CBCP & RIMS-CRMP Exam Prep Bootcamp: Business Continuity & Risk Management December 15‒18, 2025,  8:30 am‒5:00 pm EST, Virtual Full RIMS-CRMP Prep Course Schedule "Leveraging Data and Analytics for Continuous Risk Management (Part I)" | Dec 4. See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes: "RIMS ERM Global Award of Distinction 2025 Winner Sadig Hajiyev — Recorded live from the RIMS ERM Conference in Seattle!" "Risk Rotation with Lori Flaherty and Bill Coller of Paychex" "Energizing ERM with Kellee Ann Richards-St. Clair" "AI and the Future of Risk with Dan Chuparkoff" (RIMS ERM Conference Keynote) "Talking ERM: From Geopolitical Whiplash to Leadership Buy-In" with Chrystina Howard of Hub "Shawn Punancy of Delta Flies High With ERM" "Tom Brandt on Growing Your Career and Organization with ERM" "James Lam on ERM, Strategy, and the Modern CRO" "Risk Quantification Through Value-Based Frameworks" "Solving Wicked Problems with Dr. Gav Schneider" (2023)   Sponsored RIMScast Episodes: "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL (New!) "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025' | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Kristen Peed!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guests: Dr. Gav Schneider, Group CEO Risk 2 Solution Group / Founder Institute of Presilience Risk 2 Solution   Shreen Williams, Founder & CEO, Risky Business SW, LLC Also a member of the RIMS Rising Risk Professional Advisory Group   Production and engineering provided by Podfly.  

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Sadig Hajiyev, SOCAR Türkiye, Risk & Compliance Group Director, about SOCAR Turkiye and winning the RIMS ERM Global Award of Distinction. Sadig speaks of their ERM transformation that shifted SOCAR Türkiye from a compliance-oriented approach to an integrated, strategy-driven system, and a pivotal change. Sadig explains how they keep the ERM cohesive for business leaders, enabling decision-making. Sadig comments on external shocks that pressure-tested the program, showing the organization's true resilience and how it adapted its ERM approach. He speaks of one innovation with the biggest measurable impact. Justin and Sadig discuss SOCAR Türkiye's maturity jumping from a level-3 "repeatable" program to a level-5 "leading practice" in just a few years, supported by both the RIMS RMM and internal surveys, and how they are sustaining that momentum, having reached the top tier. Listen for words of wisdom and encouragement for risk practitioners.   Key Takeaways: [:01] About RIMS and RIMScast. [:17] About this episode of RIMScast. Our guest today is Sadig Hajiyev. He is the Risk & Compliance Group Director for SOCAR Türkiye, and he was one of two recipients of the RIMS Global ERM Award of Distinction. [:47] We will talk about the unique characteristics of his ERM Program and his unique risk philosophies. But first… [:55] The next RIMS-CRMP-FED Exam Prep with AFERM will be held on December 3rd and 4th. The next RIMS-CRMP Exam Prep with PARIMA will be held on December 4th and 5th. These are virtual courses. [1:12] Links to these courses can be found through the Certifications page of RIMS.org and through this episode's show notes. [1:19] RIMS Virtual Workshops! "Managing Data for ERM" will be led again by Pat Saporito. That session will start on December 11th. Registration closes on December 10th. RIMS members always enjoy deep discounts on the virtual workshops. [1:38] The full schedule of virtual workshops can be found on the RIMS.org/education and RIMS.org/education/online-learning pages. A link is also in this episode's notes. [1:50] The RIMS CRO Certificate Program in Advanced Enterprise Risk Management is hosted by the famous James Lam. This is a live, virtual program that helps elevate your expertise and career in ERM. [2:02] You can enroll now for the next cohort, which will be held over 12 weeks from January through March of 2026. Registration closes on January 5th. Or Spring ahead, and register for the cohort that will be held from April through June of 2026. Registration closes on April 6th. [2:22] Links to registration and enrollment are in this episode's show notes. [2:27] This episode was recorded at the RIMS ERM Conference 2025. We've covered a lot of ERM ground in the last few episodes, and for those who want to catch up, I've included a link to the RIMS ERM Special Digital Edition of Risk Management magazine in this episode's notes. [2:50] RIMScast ERM coverage is linked as well. Enhance your ERM knowledge with RIMS. [2:56] On with the show! This special episode was recorded live from Seattle at the RIMS ERM Conference 2025. [3:05] It was one of the best-attended ERM Conferences in RIMS history, with hundreds of ERM practitioners and students from around the world connecting, learning, and celebrating. [3:17] In RIMS tradition, we awarded the RIMS Global ERM Awards of Distinction. This year, there were two winners, one of which was SOCAR Türkiye, a pioneering energy company based in Turkey. The company's ERM program wowed our judges. [3:34] Accepting the award is Sadig Hajiyev. He is the Risk & Compliance Group Director. As you will hear, he took the ERM Program to the next level. Since we were in person, it was the perfect time to sit down and speak with him after receiving his award. [3:49] We're going to learn all about the program and Sadig's unique risk philosophies. Let's get to it! [3:53] Interview! Sadig Hajiyev, welcome to RIMScast! [4:18] Sadig says winning the award is a great feeling! Knowing someone here understands the value of the ERM Program and appreciates it is great! He shared photos and his reflections with his organization and got many congratulations, even though it was almost midnight in Turkey! [5:09] Saig explains that SOCAR is a global company, based in Azerbaijan, with more than 100K people working in Turkey. They have refineries and petrochemical facilities working together. They are also in the energy trading business. They have terminals. [5:34] They have multiple sectors, including fiber optic cables. They are doing so much in Turkey. SOCAR Türkiye is the biggest single-point investment in the history of Turkey, worth around $20 billion U.S. [6:01] Sadig's department is 15 people, including compliance professionals. They have a resource pool of experts and allocate teams as needed. [6:16] In 2022, SOCAR Türkiye shifted from a compliance-oriented approach to an integrated, strategy-driven system. [6:29] SOCAR Türkiye does international business. It is highly dependent on international trade regulations, especially trade sanction regulations. Being compliant is not sufficient for SOCAR Türkiye. Sadig says sanction regulations are very dynamic, and you should be adaptive to them. [6:57] Sadig says adaptation should be risk-based. At that time, SOCAR Türkiye started to implement risk-based compliance studies and approaches to make healthier decisions. They understood that it was the right decision. [7:21] SOCAR Türkiye has a modular ERM framework that spans Scenario Analysis, Risk and Control Self-Assessments (RCSAs), Regulatory Attestation Cycles, the ISO 22301, and the Resilience Maturity Model. [7:42] Justin asks how Sadig keeps them cohesive and digestible so that his leaders in SOCAR know that ERM is enabling decision-making. Sadig says it's not easy. They all met the needs that came up. [8:14] The risk leader needs to understand the context of the company. Being very close to the first line, Sadig does not believe there is value in going to the C-Suite and asking what they expect of risk management. They have no idea. [8:33] Sadig says it's more important to have a smooth discussion with them. At that point, the skill of the risk manager comes in to understand the context there and find out what would work best for this need. By that, you are supporting the company's decision-making. [9:05] Sadig is a boxer. He keeps telling his team that risk management shouldn't be very friendly. Conversations shouldn't be easy or enjoyable. Discussions should be disruptive. Sadig risk is the department asking, if zombies are coming and invading our vault, what will happen? [9:47] Risk leaders are the ones at the table to trigger those discussions and have the tough conversations. At that time, a leader's personality and personal brand are important. Managers should understand you are not doing it just to disrupt. [10:08] You are doing it for the company's sake, to make the decision-makers consider all the aspects, risks, threats, and opportunities. [10:43] SOCAR Türkiye faced significant external shocks in the last couple of years: security incidents, sanctions, and energy price volatility that pressure tested the ERM Program, but the company demonstrated resilience. [11:11] Each of these incidents had its own dynamics that made the ERM Program learn or find a way to adapt. [11:29] Turkey is a country with a very diverse range of uncertainties: political, economic, and geographical. The oil and gas sector is under pressure from international regulations, the climate, and more. There are so many issues going around. [11:51] Facing real-time instances can be disruptive and impactful on daily business. The most important thing is the ability to adapt. It's the top management's job to adapt. Risk management is about the future. If something happens, risk management is there to support. [12:23] Quick Break! RISKWORLD 2026 will be held from May 3rd through the 6th in Philadelphia, Pennsylvania. RISKWORLD attracts more than 10,000 risk professionals from across the globe. It's time to Connect, Cultivate, and Collaborate wth them. Booth sales are open now! [12:45] Registration is open for RIMS members now, as well. General registration and speaker registration will open on December 3rd. [12:53] Links are in this episode's show notes, and this year, when you purchase one Full-Conference Pass by December 2nd, you can add a second Full-Conference Pass at 50% off, through December 31st. [13:07] When an eligible member selects a Full-Conference Pass while registering online, a Promo Code will be generated on the Review step of the registration form. [13:05] This code will also be included in the Confirmation Email. It may be shared with a second eligible member from the same company or same email domain, and receive that 50% discount. Bring a colleague for 50% off. This is available to organizational and individual RIMS members. [13:32] Links are in this episode's show notes. [13:35] Let's Return to My Interview with 2025 RIMS ERM Global Award of Distinction Winner Sadig Hajiyev! [13:46] Justin speaks of SOCAR Türkiye's impressive innovations, dynamic risk appetite metrics tied to EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization), an AI Geopolitical Scenario Engine, and a Resilience Scorecard linked to Capital Allocation. [14:10] Justin says he thinks all of this helped drive SOCAR Türkiye's nomination to the winning category. Justin asks which one brought the biggest measurable impact. [14:20] For the biggest financial result, Sadig says it was the assumption studies SOCAR Türkiye implemented to its financial projection. Sadig believes risk managers look at a range of values. [14:50] Sadig says, like quantum physics, it's not one or zero. It can be one or zero in different contexts and times. The assumption studies proved that, in context, for a set point of time, a long-term financial projection is useless. Sadig focuses on short-term targets and planning. [15:21] Sadig says short-term planning is annual to less than five years. Sadig believes the assumption studies had a measurable financial impact. [15:34] Justin notes that SOCAR Türkiye's Maturity jumped from a Level 3 Repeatable Program to a Level 5 Leading Practice in just a few years, supported by the RIMS Risk Maturity Model and internal surveys. [15:53] Justin asks what cultural or leadership behaviors Sadig believes were essential to achieving that Level 5 performance. Sadig says it is prioritization. They have a well-developed metric to model, mostly inspired by the RIMS Maturity Model, with tailored components added. [16:29] Sadig says SOCAR Türkiye conducts a biannual Maturity Survey with its target audience, the risk champions, decision-makers, and C-Suite. [16:41] The SOCAR Türkiye ERM Program defined its Maturity Model with the participation of an external auditor. They were missing the implementation of the GRC Platform, the digitalization of the whole system, strategy embedding, and risk-based budgeting. [17:04] The ERM Program prepared a roadmap to link up with the GRC Platform, implemented the roadmap, and defined the latest state as a fixed level. [17:27] Having achieved the top tier, the ERM Program is still chasing new things to do. Now, they are focusing first on incident management and second on captives. [17:46] For incidents, it's easy to collect information based on the declaration, but Sadig is dreaming about eliminating the human factor from incident recording to have a very objective and transparent information base. [18:03] The ERM Program has already worked on it to link the incident information to the risk assessment. This can automate the risk assessment based on the incident results or impacts. [18:18] The next step is finding how to monetize the maturity level of risk management. This idea brought SOCAR Türkiye to implement captives. [18:37] SOCAR Türkiye has a tremendous amount of budget allocated to insurance. They can rely on, to a certain threshold, the ability to manage risks in a controlled environment, in the effort to optimize their insurance program and budget. Captives are the future. [19:07] Justin comments that the RIMS 2025 Risk Manager of the Year is the Captive Manager for her organization, Hyatt. The trend is that a lot of people are going toward captives to self-insure. It can be a revenue generator. [19:27] Sadig adds that the move to captives is not just to put risk management in more of a position of strategy or as a budget supporter. It's because of the risk environment. There are new risks emerging and evolving. [19:46] Sadig believes these new risks will be uninsurable in the near future because of AI and new cyber risks. The insurance sector is not able to adapt quickly enough to create a pool to insure the risk all around the world. The responsibility will stay with companies and captives. [20:31] Sadig's final words on the value of ERM: Risk managers in the company are the only people who take the future in a systematic way. The future is always important, never urgent, but when it comes, it's already here. [20:49] The board and the C-Suite rely on risk managers to be able to have better insight before the future comes. [21:03] Justin says teşekkürler (thanks)! It's been a real pleasure to meet you, and congratulations again! [21:11] Special thanks again to Sadig Hajiyev for joining us here on RIMScast. This episode was produced live on-site at the RIMS ERM Conference in Seattle. Our coverage of the RIMS ERM Conference will continue in the next installment of RIMScast with two interviews in one episode! [21:28] Be sure to visit the RIMS LinkedIn page for all sorts of photos, videos, and coverage of this fantastic event! We had a great time, and we look forward to seeing you next year in Washington, D.C., for the RIMS ERM Conference 2026. [21:44] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [22:13] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [22:31] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [22:48] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [23:05] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [23:19] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [23:31] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | Jan‒March 2026 Cohort | Led by James Lam RISK PAC | RIMS Advocacy | RIMS Legislative Summit SAVE THE DATE — March 18‒19, 2026 RIMS-Certified Risk Management Professional (RIMS-CRMP) RISKWORLD 2026 Registration — Open for Members! Reserve your booth at RISKWORLD 2026! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS Risk Management magazine | Contribute RIMS ERM Special Edition 2025 RIMS Now SOCAR Türkiye Upcoming RIMS Webinars: RIMS.org/Webinars   Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP-FED Exam Prep with AFERM Virtual Workshop — December 3‒4 RIMS-CRMP Exam Prep with PARIMA — December 4‒5, 2025 Full RIMS-CRMP Prep Course Schedule "Leveraging Data and Analytics for Continuous Risk Management (Part I)" | Dec 4. See the full calendar of RIMS Virtual Workshops RIMS-CRMP Prep Workshops   Related RIMScast Episodes: "Risk Rotation with Lori Flaherty and Bill Coller of Paychex" "Energizing ERM with Kellee Ann Richards-St. Clair" "AI and the Future of Risk with Dan Chuparkoff" (RIMS ERM Conference Keynote) "Talking ERM: From Geopolitical Whiplash to Leadership Buy-In" with Chrystina Howard of Hub "Shawn Punancy of Delta Flies High With ERM" "Tom Brandt on Growing Your Career and Organization with ERM" "James Lam on ERM, Strategy, and the Modern CRO" "Risk Quantification Through Value-Based Frameworks"   Sponsored RIMScast Episodes: "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL (New!) "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Kristen Peed!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Sadig Hajiyev, Risk & Compliance Group Director, SOCAR Türkiye   Production and engineering provided by Podfly.  

Ridgefield's ninth annual Turkey Trot is back on Thanksgiving morning, raising funds for the Ridgefield Public Schools Foundation and Family Resource Center. The 5K run/walk includes the Drumstick Dash for kids and supports scholarships and educator grants. https://www.clarkcountytoday.com/people/registration-open-for-ridgefield-public-schools-foundations-turkey-trot/ #Ridgefield #TurkeyTrot #RPSF #Thanksgiving #5KRun #FunRun #CommunityEvent #Fundraiser #ClarkCounty #Education

It's hard to believe but the Manchester Road Race is right around the corner and Registration opens on September 1st and is cheapest until October 1st. Dr Tris Carta talks about the race and how you can register.

Get the details on the upcoming Eric C Sherman Memorial Golf Tourney is scheduled for August 23rd. Registration is open now and here are the details. 

Send us a text00:00 Brought to You By TAB Quartz00:19 Intro00:30 Brazil Stone Facing 50% U.S. Tariff03:25 A Word from TAB Quartz04:34 Mosaic Companies Files Chapter 1106:07 OSHA Cites Georgia Fabricator on Silica06:55 Registration Open for ISFA Annual Conference08:11 Bankert Leaving ISFA09:34 LX Hausys Previews New Charlotte, N.C., Center11:10 Outro11:39 Brought to You By TAB QuartzRadio Stone Update is presented on the second and fourth Wednesdays every month at 9 a.m. everywhere on Earth with the latest news and insights in hard surfaces. Check our archives at www.radiostoneupdate.com.

The news from Northfield, Minnesota on Wednesday, July 9th, 2025:Nordic Walking Poles Now Available for Checkout at the Library Northfield Night to Unite Set for August 5th; Registration Open to Host A PartyU are the Universe Exhibit at the Arts Guild Explores Mental Health Topics 

Registration is now open for the 2025 Siouxland Feedlot Forum on June 17, 2025, in Sioux Falls. The Siouxland Feedlot Forum brings together experts and industry professionals to present information on industry trends, new research and recommendations in feeding cattle. See omnystudio.com/listener for privacy information.

Wednesday April 231:00pm: Registration1:00pm: 4F Shop Open5:00pm: Dealers' Room Opens (closed during events)7:30pm: 1st Show: Opening Gala (MC - Jay Scott Berry)11:00pm: Hospitality Suite Opens12:00am: Dealers' Room Closes Thursday April 2410:00am: Registration Open (closed during events)10:00am: Dealers' Room & 4F Shop Open (closed during events)10:30am: Lecture #1 - Horrett Wu1:30pm: 2nd Show: Magical Moments (MC - Will Fern)3:30pm: ED Talks #1 (MC's - Christian and Katalina)7:30pm: 3rd Show: Friends Old & New (MC - Michael Dardant)9:30pm: Lecture #2 - Eric DeCamps11:00pm: Hospitality Suite Opens12:00am: Dealers' Room Closes View fullsize View fullsize View fullsize View fullsize View fullsize View fullsize View fullsize View fullsize View fullsize View fullsize View fullsize View fullsize View fullsize View fullsize View fullsize View fullsize Time Stamps: These will be posted after I have gotten some sleep. Download this podcast in an MP3 file by Clicking Here and then right click to save the file. You can also subscribe to the RSS feed by Clicking Here. You can download or listen to the podcast through Stitcher by Clicking Here or through FeedPress by Clicking Here or through Tunein.com by Clicking Here or through iHeart Radio by Clicking Here..If you have a Spotify account, then you can also hear us through that app, too. You can also listen through your Amazon Alexa and Google Home devices. Remember, you can download it through the iTunes store, too. See the preview page by Clicking Here Happy birthday for our Friend of the Magic Word, “Fancy” Nancy Anderson. Originally from Lima, Peru, she now resides in the Chicago area where she lives and performs. She is a self-proclaimed BIG fan of magic and is often seen enjoying live shows at the Chicago Magic Lounge and the Rhapsody Theatre. Her actual birthday was this past week, April 21st. So, mark your calendar for next year so you don't forget to wish her a happy birthday.

This Farm Talk segment is brought to you by North Dakota Corn. Heidie Haugo with the North Dakota Corn Utilization Council discusses the details of the Feeding and Fueling the World workshop. A workshop for North Dakota teachers that is taking place in June. See omnystudio.com/listener for privacy information.

Toni Ghazi reveals direct transmissions from extraterrestrial mantis beings who help humans awaken their soul codes, heal trauma, and activate the lightbody. 0:00 – Ascension is Not a Destination 4:38 – Who Are the Praying Mantis Beings? 10:20 – Multidimensional Healing & Lightbody Work 16:52 – DNA: Your Divine Antenna 22:40 – Pineal Activation & Soul Downloads 28:12 – Earth as a Conscious Grid 35:10 – Ego Death & the Real Awakening 42:45 – Final Message from the Mantis Collective About Toni Ghazi: Toni Ghazi is a channeler, contactee, and guide connected to the Antares Mantis beings. His journey began in Lebanon, leading to a galactic awakening and a mission of multidimensional remembrance. Lean More about Toni Ghaze here: https://tonighazi.com/ Registration Open, Limited Availability

Step into the spotlight this summer with The Broadway Project, a fun and creative musical theatre camp designed for kids ages six to 13. The camp will take place Monday through Friday, June 23- 27, from 9 a.m. to 5 p.m. at The Charline McCombs Empire Theatre, 226 N. St. Mary's St. in San Antonio. This camp is perfect for beginners and seasoned performers alike. Throughout the week, participants will take part in engaging classes in singing, dancing, and acting, all led by experienced instructors. Together, they will learn storytelling through music, movement, and performance, while building confidence, creativity, and...Article Link

GDP Script/ Top Stories for March 11th Publish Date: March 11th From The BG AD Group Studio, Welcome to the Gwinnett Daily Post Podcast. Today is Tuesday, March 11th and Happy Birthday to James Taylor ***03.11.25 - BIRTHDAY – JAMES TAYLOR*** I’m Peyton Spurlock and here are your top stories presented by KIA Mall of Georgia Registration open for Gwinnett Police Department's Multicultural Festival Brookwood grad Robert T Cunningham part of the Broadway cast of 'Stranger Things: The First Shadow' Lakeside Zip Line Course to Debut at Stone Mountain Park All of this and more is coming up on the Gwinnett Daily Post podcast, and if you are looking for community news, we encourage you to listen daily and subscribe! Break 1: Kia MOG (07.14.22 KIA MOG) STORY 1: Registration open for Gwinnett Police Department's Multicultural Festival The Gwinnett County Police Department is accepting applications for exhibitors and performers for its annual Multicultural Festival on May 17 at Gwinnett Place Mall. This free, family-friendly event celebrates Gwinnett’s cultural diversity with traditional performances, face painting, bounce houses, and touch-a-trucks. It also serves as a government open house, connecting residents with County services. Performer applications are open until March 28, and exhibitor applications close on April 18. For more details, contact the Police Community Affairs Section or visit GwinnettCounty.com/MulticulturalFestival. STORY 2: Brookwood grad Robert T Cunningham part of the Broadway cast of 'Stranger Things: The First Shadow' Brookwood High School alum Robert T. Cunningham is set to make their Broadway debut in "Stranger Things: The First Shadow," playing Charles Sinclair, the father of a key character. A 2014 graduate, Cunningham credits their theater roots to Brookwood Theatre and the Lindahl family, who inspired their love for the arts. With a background in film, TV, and writing, Cunningham is thrilled to originate a role in this highly anticipated production, opening in April at the Marquis Theatre. A longtime fan of "Stranger Things," they describe the experience as surreal and a full-circle moment in their career. STORY 3: Lakeside Zip Line Course To Debut At Stone Mountain Park Stone Mountain Park's new Lakeside Zip Line Adventure Course opens March 15 at Adventure Outpost, featuring six zip lines, including two over the lake, and 14 aerial obstacles. With zip lines up to 400 feet long, it promises thrilling treetop views and excitement. This addition joins other Adventure Outpost activities like kayaking, paddleboats, hydro bikes, and pontoon boat tours. We have opportunities for sponsors to get great engagement on these shows. Call 770.874.3200 for more info. We’ll be right back Break 2: STORY 4: Buford Resident Wins Record-Breaking $1.16 Million Jackpot Playing Georgia Lottery Diggi Game A Buford player won a record-breaking $1,161,177 jackpot on the Cats Jackpot Diggi Game via the Georgia Lottery app on March 4, the largest Diggi jackpot in state history. Other notable wins that day include $15,000 in Flovilla (Bank a Bit Game Show) and $10,000 in Atlanta (Elephant King Jackpots). Diggi Games, available online and on the app, support Georgia education programs. STORY 5: 'Spirit Guides' Exhibit Set To Open March 29 at Fernbank Museum Fernbank Museum’s “Spirit Guides: Fantastical Creatures from the Workshop of ( "hah-KOH-bo" and "mah-REE-ah AHN-heh-les") Jacobo and María Ángeles” opens March 29, running through August 3 in WildWoods. This exhibit showcases towering, vibrant sculptures inspired by (ZAH-poh-tek") Zapotec culture, blending contemporary and folk art. Featuring hybrid animals like deer-butterflies and coyote-fish, the pieces symbolize aspects of (ZAH-poh-tek" )Zapotec life, such as happiness and community. Created by artists ( hah-KOH-bo and "mah-REE-ah AHN-heh-les") Jacobo and María Ángeles, the sculptures involve a detailed process and highlight Indigenous traditions. Included with general admission, the exhibit is also featured during special museum events like “Fernbank After Dark.” Break: Ingles Markets 9 ***Guide Weekly Health Minute*** 10.15.24 GUIDE HEALTH MINUTE_FINAL*** Break 4: Signoff – Thanks again for hanging out with us on today’s Gwinnett Daily Post Podcast. If you enjoy these shows, we encourage you to check out our other offerings, like the Cherokee Tribune Ledger Podcast, the Marietta Daily Journal, or the Community Podcast for Rockdale Newton and Morgan Counties. Read more about all our stories and get other great content at www.gwinnettdailypost.com Did you know over 50% of Americans listen to podcasts weekly? Giving you important news about our community and telling great stories are what we do. Make sure you join us for our next episode and be sure to share this podcast on social media with your friends and family. Add us to your Alexa Flash Briefing or your Google Home Briefing and be sure to like, follow, and subscribe wherever you get your podcasts. Produced by the BG Podcast Network Show Sponsors: www.ingles-markets.com  www.kiamallofga.com #NewsPodcast #CurrentEvents #TopHeadlines #BreakingNews #PodcastDiscussion #PodcastNews #InDepthAnalysis #NewsAnalysis #PodcastTrending #WorldNews #LocalNews #GlobalNews #PodcastInsights #NewsBrief #PodcastUpdate #NewsRoundup #WeeklyNews #DailyNews #PodcastInterviews #HotTopics #PodcastOpinions #InvestigativeJournalism #BehindTheHeadlines #PodcastMedia #NewsStories #PodcastReports #JournalismMatters #PodcastPerspectives #NewsCommentary #PodcastListeners #NewsPodcastCommunity #NewsSource #PodcastCuration #WorldAffairs #PodcastUpdates #AudioNews #PodcastJournalism #EmergingStories #NewsFlash #PodcastConversations See omnystudio.com/listener for privacy information.

Today in Lighting is brought to you by Current. Minimize energy in your data center with Current's advanced lighting and controls. Learn more. Highlights today include: LightFair 2025 Registration Open, 2024 IECC and Lighting Controls, 2025 CE Pro State of the Industry Report: Key Trends in Custom Integration, A Symphony of Light.

The news from Northfield, Minnesota on Friday, February 7th, 2025: FiftyNorth Presents About the Impact of the Organization at the Northfield City Council MeetingRice County Garden Day set for March 8th; Registration Due by February 22nd

Homeschool Interview:  We listen to part two of an interview Matthew McDill had with Ana Maria Bagnuoli of TransitionED, on helping Spanish speaking homeschoolers around the world.    What We've Seen on the Internet:  Parents are asking: What is the best online curriculum or best accredited curriculum? Homeschool Helps with Amanda: Amanda gives tips for working homeschool parents. Homeschool News: Thrive! registration is open!  

Alright, we're back! It's been a minute, and so much has changed since we last hung out. So this is a bit of a chaotic life update. First off—we're moving! Big changes in like 3 days! I'm in a weird, messy war with myself. Who I've been vs. who I'm becoming—it's exciting, it's painful, and it's definitely growth. I'm reading Breaking the Habit of Being Yourself by Dr. Joe Dispenza. It's helping me shed the version of myself I no longer want to be, and I'm sharing the practices that are making the biggest impact. There might be a (part-time) in-home daycare in the works. Big maybe, but it's something I'm considering! (I miss my baby, ughhhh) My husband is pitching the idea of matching tattoos. He's serious. I'm... undecided. I'm expanding my coaching practice. For 2025, I'm offering both group coaching and 1:1 coaching to help women break free from binge and emotional eating struggles. Want to Work with Me? The Food Freedom Online Program will have both group and 1:1 coaching options in 2025, both will be by application only. Submit an application and your questions here and I will be in touch: www.workwithjessijean.com Group Coaching: A supportive community where women come together to break free from binge eating and emotional eating struggles. If you're ready to feel seen, supported, and inspired by others walking a similar path, this is for you. 1:1 Coaching: If group programs aren't your thing, or you know you need someone in your corner daily—I've got you.  Both group and 1:1 coaching are by application only. This allows me to get to know you, your goals, and what kind of support will serve you best. If you're ready to finally break free from the cycles of binge eating and create real, lasting change, apply here to get started. I'll personally review your application and get back to you within 48hours. ___ FREE TRAINING: Break Free from Binge & Emotional Eating! Registration OPEN - register at www.foodfreedomonlineprogram.com  Join me for a live, hour-long masterclass where I'll introduce you to the N.E.U.R.O. Pathway, a coaching framework designed to help you reprogram your relationship with food through nervous system engagement and brain-based strategies. This non-clinical approach focuses on creating sustainable change and developing new habits—without the need for extreme control or restriction. In this free training, you'll learn: How to break free from binge and emotional eating using brain-based methods Why your nervous system holds the key to overcoming urges and cravings The powerful, refreshingly effective approach to reprogramming your habits around food ______ Looking for more free tips, tools, and resources to help you improve your relationship with food, fitness and your body? Join the newsletter crew: https://jessijean.com/newsletter ______ The Food Freedom Online Program is a transformative 4-month experience designed to help women break free from the cycle of binge and emotional eating. Through a blend of brain science, habit reprogramming, nervous system regulation and compassionate coaching, you'll develop a balanced, peaceful relationship with food and your body. It's not just about healing your relationship with food—it's about rediscovering who you are and building a life of confidence, purpose, and freedom. You don't have to do it alone—this program gives you the tools, community, and support to truly thrive. ______ Grab a copy of my FREE beginner-friendly At-Home JOYFUL Fitness Challenge by subscribing to my newsletter. It will be in your welcome email :)  https://jessijean.com/newsletter - be sure to check your spam / promotions folders if you don't see it in your inbox.  ______ Stay connected: Instagram: https://www.instagram.com/jessijeannn Tiktok: https://www.tiktok.com/@jessijeannn Youtube: https://www.youtube.com/jessijeannn Email: info@foodfreedomonlineprogram.com  ______    

Welcome to Episode 166: "The Power to Pivot: 10 Steps to Embrace Change and Thrive" with Host Sandy Raper Summary: In this episode, Sandy shares her personal journey of loss and transformation, highlighting the importance of pivoting in life. She discusses the skills necessary for effective pivoting, including emotional resilience, decision-making, and self-awareness. Sandy emphasizes the need to embrace change and adapt to new circumstances, providing actionable strategies for listeners to cultivate these skills in their own lives. The conversation concludes with resources for further growth and development in the practice of yoga and personal fulfillment. Takeaways: 1. Life can change unexpectedly, prompting a need for adaptation. 2. Loss can serve as a catalyst for new beginnings. 3. Pivoting is an essential skill for personal and professional growth. 4. Emotional resilience helps navigate the highs and lows of change. 5. Accountability is crucial for staying committed to growth. 6. Decision-making under pressure is a valuable skill to develop. 7. Strategic thinking ensures that pivots align with long-term goals. 8. Networking opens doors to new opportunities and support. 9. Time management is essential when juggling multiple priorities. 10. Confidence and self-belief are key to navigating the unknown. Keywords: yoga, pivoting, resilience, personal growth, emotional intelligence, change management, mindfulness, teaching, self-awareness, life skills REFERENCES & RESOURCES Episode 136: "Become an Agent of Change" www.sandyraper.com⁠⁠⁠⁠⁠⁠⁠ Registration Open! Begins January 2025 ⁠200-hour AND 300-hour Online Yoga Teacher Training:⁠ ⁠⁠⁠⁠⁠⁠⁠Join the Beyond Yoga Teacher Training Newsletter List⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Order Sandy's new book:⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠Teaching From the Heart: Lessons on Developing Character, Confidence, and Leadership as a Yoga Teacher⁠ ⁠⁠⁠⁠⁠⁠Contact Sandy⁠⁠⁠⁠⁠⁠

In this episode, we chat about one of the most important parts of your PA school application that pre-PAs often glaze over or just try to check the box about. It's actually so important that it can put you in the "no" pile no matter how great your stats are! PRE-PA CONFERENCE 2024 - REGISTRATION OPEN! THE Pre-PA event of the year is November 16 from 10a-6p EST! Guest lineup includes AAPA, the raw behind the scenes from an admissions coordinator, how to survive PA school from a recent graduate, how to pay for PA school, ace your interview, and sessions on making sure you are the best applicant! REGISTER HERE! Keep up the awesome work!Beth & Katie

In this episode, we go through the best jobs to consider for your gap year to boost your skills and make you a more competitive applicant when you apply to PA school!PRE-PA CONFERENCE 2024 - REGISTRATION OPEN! THE Pre-PA event of the year is November 16 from 10a-6p EST! Guest lineup includes AAPA, the raw behind the scenes from an admissions coordinator, how to survive PA school from a recent graduate, how to pay for PA school, ace your interview, and sessions on making sure you are the best applicant! REGISTER HERE! Cheering for you all the way!Your PA Mentors and Cheer Team,Katie & Beth

PRE-PA CONFERENCE 2024 - REGISTRATION OPEN! THE Pre-PA event of the year is November 16 from 10a-6p EST! Guest lineup includes AAPA, the raw behind the scenes from an admissions coordinator, how to survive PA school from a recent graduate, how to pay for PA school, ace your interview, and sessions on making sure you are the best applicant! REGISTER HERE! In this episode: Just finished your PA school interview? Don't skip this important final step! In this episode, we dive into why a post-interview thank you email can make a big impact, what you should include to keep your application top of mind, and a quick, easy-to-follow template to get you started. It's all about making a lasting impression that will help you stand out!Keep up the amazing work!Katie & Beth

PRE-PA CONFERENCE 2024 - REGISTRATION OPEN! THE Pre-PA event of the year is November 16 from 10a-6p EST! Guest lineup includes AAPA, the raw behind the scenes from an admissions coordinator, how to survive PA school from a recent graduate, how to pay for PA school, ace your interview, and sessions on making sure you are the best applicant! REGISTER HERE! In this episode, we cover the information you must gather about your interview day to set you up for success! Mock interview to make sure you crush your answers, highlight yourself, and explain weaknesses the right way so you can land that seat and grab that YES, ACCEPTED!Way to go on all your hard work!Beth & Katie

PRE-PA CONFERENCE 2024 - REGISTRATION OPEN! THE Pre-PA event of the year is November 16 from 10a-6p EST! Guest lineup includes AAPA, the raw behind the scenes from an admissions coordinator, how to survive PA school from a recent graduate, how to pay for PA school, ace your interview, and sessions on making sure you are the best applicant! REGISTER HERE! CASPA APPLICATION EDITING - Make sure your PA school application is competitive and stands out! Includes editing of your entire app, all your experience paragraphs, personal statement editing, and COVID and Life Experiences essay editing! Sign up here!In this episode: These are the things you DON'T want to include in your PA school application! You likely know what you do need to make sure your application is competitive, but did you know that there are experiences that will actually make you LESS competitive?! Here's what to avoid and leave off your CASPA app! Keep up the amazing work!Katie & Beth

In this episode, learn what to do if you find yourself on a waitlist after your PA school interview. We'll share actionable strategies to increase your chances of turning this into an acceptance. Being on a waitlist isn't a rejection—it's an opportunity! Learn how to stay persistent, make impactful moves, and improve your chances of landing that acceptance. Tune in and get ready to stay in the game!PA SHADOWING HOUR in Medical Missions! October 28 at 7:30p EST! Register free here! PRE-PA CONFERENCE 2024 - REGISTRATION OPEN! THE Pre-PA event of the year is November 16 from 10a-6p EST! Guest lineup includes AAPA, the raw behind the scenes from an admissions coordinator, how to survive PA school from a recent graduate, how to pay for PA school, ace your interview, and sessions on making sure you are the best applicant! REGISTER HERE! Keep up the amazing work!Katie & Beth

Happy PA Week! In this episode: We talk about why being a PA is the best career in the world - the pros and benefits and all the upsides to the physician associate profession! PRE-PA CONFERENCE 2024 - REGISTRATION OPEN! THE Pre-PA event of the year is November 16 from 10a-6p EST! Guest lineup includes AAPA, the raw behind the scenes from an admissions coordinator, how to survive PA school from a recent graduate, how to pay for PA school, ace your interview, and sessions on making sure you are the best applicant! REGISTER HERE! Thank you for listening and so excited for your future as a PA!Beth & Katie

PRE-PA CONFERENCE 2024 - REGISTRATION OPEN! THE Pre-PA event of the year is November 16 from 10a-6p EST! Guest lineup includes AAPA, the raw behind the scenes from an admissions coordinator, how to survive PA school from a recent graduate, how to pay for PA school, ace your interview, and sessions on making sure you are the best applicant! REGISTER HERE! In this episode: This is the #1 mistake we see pre-PAs make at their PA school interview that cost them acceptance to PA school! Mock interview to make sure you crush your answers, highlight yourself, and explain weaknesses the right way so you can land that seat and grab that YES, ACCEPTED!Keep up the amazing work, Katie & Beth

Meet Isabel Mwachullah Draughon; a certified life transformation and holistic coach, spiritual coach, podcast host, and entrepreneur with over 20 years of experience. She is the founder of the organization Loud Whisper. Her own Loud Whisper journey began when I was a little girl growing up in Africa. Since childhood, she has been surrounded by the most resilient, courageous, and powerful women who did whatever it took to care for their families. Resources Join us for a conversation with Isabel and check out the resources below mentioned in the video: Isabel's Website: https://isabeldraughon.com/ Loud Whisper Conference: Follow Isabel's YouTube channel below for updates! REGISTRATION OPEN for the Loud Whisper Conference: https://isabeldraughon.com/loud-whisper-womens-conference/ Isabel's YouTube Channel: https://www.youtube.com/@UCmrSPi3BkJapDCntfVV2cxw Connect with Isabel on LinkedIN: Isabel's LinkedIN Profile Additional Resources: Interview with President of National Speakers Association of Illinois: Featured Voices Interview w/ Dean Heffta Interested in learning more about your personality patterns on your self-awareness journey? Check out this video: Unlock Your Personality Superpowers #communication #culture #podcast #psychology #workplace #education #crosscultural #culturalempathy #selfawareness #personality #personaldevelopment #professional #professionaldevelopment #mood #culturalawareness #energy #emotionalintelligence #eq #culturalintelligence #lovelearningyou #youtubevideo #corporate #corporatewellness #mindset #personaldevelopment #grief #widow #emotionalintelligence

Early Bird Registration is now open for the 2025 Live Wealthy: Money & Wellness Conference!   The 2025 Money & Wellness Conference for Women Physicians is the *only* conference of its kind.   It's a women's only space to learn and chat about all things money and life so that you can live your wealthy life.   I'm bringing in the best money experts and coaches to teach you over 3 days at the luxurious Four Seasons Oahu in Hawaii.   And if you want an extra luxe experience register for the VIP option - limited spots left!   Go to: https://wealthymommd.com/conference

This Farm Talk segment is brought to you by North Dakota Corn.  NDSU Extension is hosting a Junior Crop Scout School at the Carrington Research Extension Center in June. The purpose of this program is to teach youth through a hands-on workshop basic crop scouting skills. Alicia Harstad is the NDSU Extension Ag and Natural Resources Agent for Barnes County.See omnystudio.com/listener for privacy information.

GUEST: JUSTIN PETERS, evangelist and preacherIt can be confusing and even destabilizing when a pastor or Christian leader who has been orthodox in his teaching for decades says something that seems to compromise God's Word.Such occurred recently with revered pastor Alistair Begg. Begg, who is from Scotland but leads Parkside Church in Cleveland, is the Bible teacher on the popular radio ministry, Truth for Life. In an episode in September 2023, Truth for Life host Bob Lepine was interviewing pastor Begg about his new book, The Christian Manifesto, which seeks to help Christians live out Jesus' “Sermon on the Plain” (Luke 6) in a 21st century brave new world context.Begg brought up the example of what he said to a grandmother who had contacted him about whether to attend her grandson's “wedding” to a “transgender” person (the quotes being added because God defines a wedding as between one man and one woman and no one can “trans” their gender).We'll play the audio of pastor Begg's response, but in short, he suggested the grandmother attend the ceremony and buy the couple a gift with the purpose to keep the lines of engagement and gospel-witness open with her grandson.Those in theologically conservative circles collectively choked on his response while theological liberals said “this is the way”.The important question is: What is God's will for Christians with an issue like this? It is a matter of right vs wrong or an issue of personal conscience?Preacher and evangelist Justin Peters will join us this weekend and point to key passages of Scripture that help us make wise, God-honoring decisions.---------------------------Registration Open for The Overcomer CourseJune 21-24, 2024

Homeschool News: Exciting news about the Thrive! Homeschool conference. Homeschool Conversations: We listen to a conversation Matthew had with Karen Perez, our new Region 8 Liaison. They discuss single parent homeschooling. Homeschool Helps with Amanda: Amanda talks about practical aspects of pulling a student out of school and starting to homeschool in the middle of the year.

Students in Southwest Washington who play chess have another opportunity to compete in Clark County. http://tinyurl.com/3phda77h #FirmlyPlantedHomeschoolResourceCenter #ChessTournament #FPHRCMiddleGame #Students #SouthwestWashington #ClarkCountyWa #PublicSchool #Homeschool #PrivateSchool #TomSnyder #VancouverWa #ClarkCountyNews #ClarkCountyToday

Highlights today include: Join AAiLA's Board of Directors for 2024! Claude R. Engle III, Rest in Peace, Hospitality Lighting: ANSI/IES RP-9 Leading the Way Beyond Calculations, Registration Open for LEDucation 2024! 2024 IESLA Registration Now Open, January 2024 Lightovation: Premier Lighting Show Debuts New Collections, Metaverse TrendHouse, & Business Insights.

Registration for the 2024 Plant Fueled Reset is now open!  This is a chance to reset your taste buds, your cravings and your body so that you feel light, energized, and healthy, all while enjoying yummy plant based food that you'll be cooking!  We start on January 3rd and it runs until February 10th, 2024. We'll kick things off with a mini three-day juice fast to create the perfect launch pad for the rest of the Reset.  I recorded today's episode while testing the juice fast. You'll notice that at the top of the episode I said “speakers” instead of “mic” and I didn't notice until I listened to it - ha! The mental clarity that comes with juice fasting sets in for me on day three :)  In this episode I talk about my experiences fasting and why I vomited after my last fast and how I learned the hard way about easing into and coming off from fasts. I also talk about the 2024 Reset and why everyone should join!  Sign up with the link below to secure your spot now!  https://plantfueledreset.com About Clean Food Dirty Girl helps people eat more plants while celebrating human imperfection. Subscribe to our podcast for plant based eating inspiration and permission to be perfectly imperfect. Share in awkward moments we all have and find strength and beauty in challenging times. Let's expand our capacity to hold our dreams and goals. Please note: Molly doesn't curse all the time, but this podcast is a tad sweary. Sign up for our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠free 10-day trial to Plant Fueled Life⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Join ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Plant Fueled Life⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ to get instant access to the tools and accountability you need to start changing your life today. Subscribe to Molly's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sweary Saturday Love Letters⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Join our thriving private ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook group⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ (you don't have to be plant based or be a member of Plant Fueled Life). Follow us on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for drool-worthy food pics and bouts of inspiration Check out our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠blog⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ with loads of free ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠whole food plant based recipes⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and inspiration Plants change lives - see health makeovers and more with our ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Plant Fueled Life members reviews⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.

10-3-23 AJ DailyMake Your Mark in “Building an Angus Legacy!”Adapted from a release by Katelyn Engel, Angus Communications R-CALF USA Applauds Aggressive Antitrust Enforcement in New FTC and DOJ Merger Guidelines Adapted from a release by Jaiden Moreland, R-CALF USA NCBA Secures Passage of Key Animal Health Priority Adapted from a release by the National Cattlemen's Beef Association Registration Open for 2024 American Farm Bureau Convention Adapted from a release by American Farm Bureau Federation Compiled by Paige Nelson, field editor, Angus Journal.  For more Angus news, visit angusjournal.net. 

Registration and housing are now open for CattleCon24, the cattle industry's largest event of the year. “It's “Onward to Orlando,” where cattle producers from across the country will gather January 31-February 2, for business meetings, educational sessions, engaging speakers, and family fun.See omnystudio.com/listener for privacy information.

​​Read about 5X Your Farm Sales HERE​ We're taking new farmers into the exclusive 5X program today. Don't miss out on being a part of the most popular high-growth program for farmers.    Here's what's inside the 5X Program:  Expert group coaching with me weekly 6 private 1-on-1 coaching sessions for the year with our 1-1 coaches Access to all exclusive classes I teach: Farm Marketing from the Heart Sales Made Simple Master Your Time/Master Your Life And - goal setting, decision making, business marketing planning, and more One group coaching call per week with our resident therapist/coach Advanced marketing strategies training teaching the process my clients use to double, triple, 5x & 10x+ their sales Learn the 5-Day Focused Sales Launch Access to a private Facebook group where you'll meet fellow farmers - watch the success they're creating with this program and you'll get to success even faster Exclusive copywriting coaching each week with our expert copywriter and author to level up your marketing  A brand-new practical planner for you to organize your time and life. With a handy tracking tool to keep you on top of everything.  Step-by-step guidance - what to focus on first, second, third, etc. You have our full support to grow your farm sales inside our exclusive farmer's community.  ​​​Click here to learn more and sign up. ​ ​Enrollment is only available until this Friday, May 5th, at midnight PT.​​ Discover what happens inside 5X Your Farm Sales  Farmers are sending one email and making $2,000…before, they struggled to sell anything.  Or sending one email and making $25,000.  Yes. In ONE day. Because they're doing this work and getting the support they need. Farmer Sarah made $100,000 in sales in ONE WEEK. It used to take her all year.  How? Because she studied the Advanced Marketing Strategies program.  Look, it's hard work, and it's simple too.  I've laid it all out for you. Picture this…. Your 30 head of beef gets sold in a week…. No more endless posting on social media, cold emailing and struggling to move them.  Imagine how the rest of your year will go when it's all done! You can be just like Sarah, too.  Many farmers in the program email me daily with results like this. They're having success they never thought imaginable. Because they're committing to doing the work. They work actively to focus on their mindset and marketing for one year. I know you're no stranger to labor.  If you want these outcomes (and you're ready to put in the work) sign up for my program.  ​5x Your Farm Sales, a Marketing and Mindset Program for Farmers.​​ The farmers I'm giving weekly feedback to are selling out in ONE email, which used to take them months They're selling more in ONE WEEK than they used to sell the whole season They're raising their prices to make a 40%+ profit, finally ​Your income will NEVER outpace your personal development. Our coaching is crucial to your farm, life, and emotional success. Not only are my clients making more money, but this happens, too… No longer feeling burned out Working reasonable hours Setting firm boundaries Scheduling daily free time for themselves (Yes, even with all the kids, all the farm projects) Feeling present with their family every day 5X'ing your farm sales isn't all about the money. It never is. Yes, money solves a lot of immediate problems. But 5X'ing your farm sales becomes about so much more like… Paid off mortgages Husbands and wives able to quit day jobs and be home full-time on the farm Healed marriages Healed relationships with parents and in-laws and kids No more monthly bill juggling because there's always enough in the bank Finally taking a family getaway during the busiest months of summer... with NO guilt ​And more. The average person will 5X their sales.  Some less, some more, it depends on your commitment to the training,  The more profit your farm makes, the more you can do for your community, your family, and yourself. ​​Click here to discover more. ​ ​Enrollment just opened and will only be available until this Friday, August 11th, at midnight PT.​​ Don't miss this, Charlotte PS: Reply to this email if you have questions - I'm more than happy to answer ​​Click here to check out 5x Your Farm Sales, a Marketing and Mindset Program for Farmers.

Highlights today include: LEDs Magazine: Li-Fi vs. Li-Fi: Signify Comes Out Swinging Against the New IEEE Standard, Legrand Releases H1 Results, Janet Lennox Moyer Discusses Key Landscape Lighting Technique, Bruce Munro Announced as Opening Keynote Speaker for IALD Enlighten Americas 2023, Welcome to the IALD International Lighting Design Awards, Lighting Controls Podcast: Darren Lapsley from Clarus Lighting + Controls, Registration Open for Bringing Life to Public Spaces with Light Art, Turin – 2-3 Nov 2023.

Click HERE To Read How to 5X Your Farm Sales and Sign Up This week you saw me coach clients on raising their prices and reaching a goal of selling out on their Farm to Table dinner tickets. You saw me rewrite a sales email that previously was not making sales. Mindset coaching is the key difference in why some farmers get to success, but most don't. Your farm's income and success will never outpace your personal growth. 5X Your Farm Sales is the personal development program overworked and underpaid farmers everywhere are using to reach the success they never imagined possible. And, it's here for you, too. We do this kind of coaching EVERY week inside the coaching program. The farmers I'm giving feedback to each week are selling out in ONE email what used to take them months. They're selling more in ONE WEEK than they used to sell the whole season. They're raising their prices to make a 40%+ profit finally.   Join Now and Begin 5X'ing Your Farm Sales AND Your Life All because they're committing to doing the work of working on their mindset and their marketing for one year. Not only are they making more money, they experience this: No longer feeling burned out Working reasonable hours Setting firm boundaries Making daily time for themselves Feeling present with their family every day   You've got to know, though, 5X'ing your farm sales is not all about the money. It never is. Yes, money solves a lot of immediate problems. We solve those for sure! But then, 5X'ing their farm sales becomes about so much more. Paid off mortgages. Husbands and wives able to quit day-jobs and be home full-time on the farm. Healed marriages. Healed relationships with parents and in-laws and kids. No more juggling bills each month because there's always enough in the bank. Finally taking a family getaway during the busiest months of summer… with NO guilt. And more. INFINITELY more. The average person will 5X their sales. Some less, some more, depending on how committed you are to the coaching. And then you find – The more profit your farm makes, the more you are able to do for your community, your family, and yourself. It's the difference between being stuck at the computer trying to make the numbers work and being able to hire and help a bookkeeper make a living so you can improve the soil. It's about working hard and seeing your customers have better health and better lives because of your farm products. It's about having time for yourself again and having more time with your family, instead of constantly working and worrying about being able to pay the bills. And I know you're no stranger to hard work, so if you're willing to put in the effort to make these outcomes happen for you, sign up for my program, 5x Your Farm Sales Coaching Program for Farmers. Inside, you'll get one year of: Advanced Marketing Strategies for your specific marketing pieces. Focused feedback every week. Learn the 5-Day Focused Sales Launch Access to three of my best courses designed to help stop the overwhelm, structure your farm for profit, and increase your sales Access to a Facebook group where you'll meet and learn with fellow farmers on the same path as you Weekly group coaching with me where you can bring any problem, marketing, business, or life challenges, that comes up for you along the way and be supported in your growth The latest bonus – a 5X Your Farm and Life Planner is included with your membership.    

Today we're joined by Kris Kiser, president of the OPEI and spokesman for the EQUIP Expo trade show! Kris shares with us about the 40-year celebration and history of the OPEI, and the latest updates for EQUIP 2023. Come join us this October 17th-20th in Louisville KY, and we'll help save you 50% off with code "BRIAN" at registration! Save 50% on registration for EQUIP 2023 (with code: Brian) Lawntrepreneur Academy Whole Ball of Wax (Save $300 with code: SpringRush) Save 50% on registration for EQUIP 2023 (with code: Brian) Get Brian's Free Newsletter Brian's Lawn Maintenance On YouTube   Brian's Lawn Maintenance On Instagram   Ballard-Inc.com (Brians10)   KUJO (Brians10)   Equipment Defender (Brians10)   https://gpstrackit.com/brianlm/   www.brandedbullinc.com Mention Brian's name and save $100 on a new website.   https://www.yardbook.com/

Part 2/5 Manifesting Weight loss Steps: Goals! Are you specific enough about your goals? Are you telling the Universe what to bring you or are you vaguelly wishing it would come true? In this episode: How to dream bigMaking goals realistic, yet amazingHow to get specific and dial inSlayer examples of weight loss specificsVision Boards, PinterestUncovering more Limiting BeliefsCreate Your Alter Ego Challenge Free Starts Monday!You haven't tried everything until you've made an alter ego! If you have made one...you know :) Let's create your Slayer. Believe. Become. Be. REGISTRATION OPEN! MEfirst Guide Weekend Experience LIVE in Phoenix 4.1 and 4.2 INFOFREE 5 Day Future Self Challenge: Uncover Your Alter Ego SIGN UP HEREAddieBeall.comDo the "work" with meSelf Help Group Slayer Style (don't just listen, DO) Join the WBAC (Witches & Bitches Abundance Circle) Get Social with Me!Facebook Namaslayer (LIVE weigh in Sundays at 7 AM Mountain / 9 Eastern)YouTube Addie Beall @addiebeall2574Instagram @addiebeall_namaslayer

What if you had a system you could just put yourself through any time you saw a slow down in your progress? This Mini-Series the 5 Steps to Manifest Weight Loss will give you just that. You just rinse and repeat! Follow along the next 5 weeks as we put it all together. In this episode: Weight Loss SabotageUncover Your BeliefsFat Girl StoriesHow to Process these Beliefs: EFT, Ho' oponoponoWhat to Expect as This HappensNext Week: Desires! What do you really want? Create Your Alter Ego Challenge Free Starts Monday!You haven't tried everything until you've made an alter ego! If you have made one...you know :) Let's create your Slayer. Believe. Become. Be. REGISTRATION OPEN! MEfirst Guide Weekend Experience LIVE in Phoenix 4.1 and 4.2 INFOFREE 5 Day Future Self Challenge: Uncover Your Alter Ego SIGN UP HEREAddieBeall.comDo the "work" with meSelf Help Group Slayer Style (don't just listen, DO) Join the WBAC (Witches & Bitches Abundance Circle) Get Social with Me!Facebook Namaslayer (LIVE weigh in Sundays at 7 AM Mountain / 9 Eastern)YouTube Addie Beall @addiebeall2574Instagram @addiebeall_namaslayer

Do you ever feel like your life is snowballing into a bigger disaster? Many of us are battling chronic fatigue, lack of sleep and high levels of stress. But how do you get your life back? Today Liza interviews Ryan Syverson, a certified Functional Diagnostic Nutrition® Practitioner who specializes in complex, chronic illnesses like Fibromyalgia, Lyme Disease, and Mold illness. After losing his health in 2010 to fibromyalgia, mold and Lyme disease, which led to losing his home and filing bankruptcy, Ryan knew something had to change. He embarked on a quest to find the answers and was able to recover his health and finally break free from the depression and anxiety that haunted him for 30 plus years. In this episode, Ryan shares the roadmap to reclaiming your life. Moreover, he dives into the science behind emotional healing and nervous system regulation. He also goes over the five different personalities that make us vulnerable to higher levels of stress. If you feel like the black cloud keeps hanging over you and you just can't catch a break, listen to this empowering episode. Regain your energy and break free from self-sabotaging & limiting behaviors. This episode will launch you into the new year with a more empowerment mindset.About Liza's Guest:Ryan Syverson is a certified Functional Diagnostic Nutrition® Practitioner, certified Wellness Code Academy® Coach, and a certified Whole Psychology Method™ Coach who specializes in complex, chronic illnesses like Fibromyalgia, Lyme Disease, and Mold illness. After losing his health in 2010 to fibromyalgia, mold and Lyme disease, which led to losing his home and filing bankruptcy, Ryan new something had to change. He embarked on a quest to find the answers and was able to recover his health and finally break free from the depression and anxiety that haunted him for 30+ years. Along his journey he discovered his unique gift and passion for helping others.This led to the creation Freedom from Fatigue & Pain, a transformational health coaching program that empowers and guides clients on how to reclaim their energy, overcome their pain, and break free from self-sabotaging & limiting behaviors that have been keeping them stuck. Ryan is the owner and head coach at SubLyme Life, where he works with clients in a group/1:1 hybrid setting. When he's not geeking out on health or working with clients, you'll likely find him out with his wife enjoying some great food, outdoor adventuring, in the gym or on the golf course losing money to his buddies.The best place to find, Ryan, is on Instagram at https://www.instagram.com/ryan__syverson/or Facebook https://www.facebook.com/profile.php?id=100010668315673or you can check out his website www.yoursublymelife.comConnect with Liza Online:*Sign up for Liza's next Mentoring Support Group. Starts 1/9. Registration Open. Click Here.Liza's Personal and Group Coaching - https://www.veryhappystories.com/workLiza on Instagram - https://www.instagram.com/lizasveryhappystories/Liza on FaceBook - https://www.facebook.com/veryhappystorieswithLizaBlas/Subscribe to Liza's Newsletter – www.veryhappystories.comLiza's Favorites:Vital plan's Goal is to empower people to take control of their health and provide easy access to his potent herbal blends.Enjoy a 15% discount. Simply use my code VERYHAPPY15.These are the herbs we us: https://vitalplan.sjv.io/c/3428572/967226/12659We also use this: https://vitalplan.sjv.io/c/3428572/968554/12659 Very Happy Stories is Partners with the LymeLight FoundationThe LymeLight Foundation is a charitable partner in the Lyme community that provides grants to enable eligible children and young adults with Lyme disease to receive proper treatment and medication as well as raising awareness about Lyme disease. LymeLight has awarded grants totaling over $7.7M to more than 1,000 individuals in 49 states. To donate directly toward LymeLight grants which help those struggling to receive treatment > click here to DONATE. To learn more about treatment grants > click here for GRANTS.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Saturday July 16th 2022 8 am Order of Merlin Breakfast Talk: Road to FISM with Stuart MacDonald Promenade 9 am - 1 pm Registration Open and 2023 Registration Chattooga Hallway 10 am Special Event - TALK MAGIC IIDAVID GOLDRAKETRIGG WATSONLANCE RICH Grand Salon 11 am - 6 pm Dealers Open Chattahoochee Ballroom 11 am - Noon Lance Burton Teen Seminar Rabun 11 am Raffle Drawings in Dealer Room Chattahoochee Ballroom 12 noon Lunch Break (Cash Lunches Available) Promenade 1 pm - 3 pm Ring 2100 In-Person & Virtual JAM Session Grand Salon 3:30 pm Special Event - CLOSE UP SHOWMC - DOC DIXONICE MCDONALDALYX HILSHEYBRENT BRAUNJOE M. TURNER Grand Salon 8 pm. Showtime - Grand Finale ShowMC - RAFAELTRIGG WATSONJULIANA CHENRICHARD PRESTONTHE EVASONSDAVID GOLDRAKE Grand Salon 10 pm Farewell Party Promenade View fullsize View fullsize View fullsize View fullsize View fullsize View fullsize View fullsize View fullsize View fullsize View fullsize Contest Winners:Close-Up Award Winners:Youth Award of Merit: Jackson Oliver - Honolulu, HawaiiYouth First Place: Anja Steyn, Cape Town, South AfricaAdult Award of Merit: Tetro - West Hollywood, CaliforniaAdult First Place: Micheal Bloemeke - Raleigh, North CarolinaStage Award Winners:Finalists:Danny King - Garland, TexasJames Irwin - Arlington, TexasRena Cui - Fresh Meadows, New YorkAnjya Steyn - Cape Town, South AfricaThe Wushuong - People's Republic of ChinaArtem Shchukin - Moscow, RussiaYouth Stage Award of Merit - Rena Cui - Fresh Meadows, New YorkYouth Stage First Place - Anya Steyn - Cape Town, South AfricaAdult Stage Award of Merit: The Wushuong - The People's Republic of ChinaAdult Stage First Place: Artum Shchunik - Moscow, RussiaGold Medal: Artem Shchunik - Moscow, RussiaTime stamps for this episode: 00:00:16 - Award winners names announced00:03:22 - Stuart MacDonald talks to the Order of Merlin group with his speech on his Journey to FISM00:24:18 - David Garrard and Tommy Ellison recap the previous evening's contest show00:35:33 - Jeff and Tessa Evason talk about this and other magic conventions they have performed in plus what they did during COVID00:45:53 - Jeffrey Alan (an I.B.M Board member and American Museum of Magic Board Member) and his assistant, Angela, talk about this convention and the museum00:52:54 - Trigg Watson was one of the evening's performer who can now relax. He chats about his experience as well as part of what he talked about at the Youth Seminar00:57:53 - Past International President of the I.B.M., David Sandy, has also chaired and produced several magic conventions. We recap this convention including the final night's gala show. Download this podcast in an MP3 file by Clicking Here and then right click to save the file. You can also subscribe to the RSS feed by Clicking Here. You can download or listen to the podcast through Stitcher by Clicking Here or through FeedPress by Clicking Here or through Tunein.com by Clicking Here or through iHeart Radio by Clicking Here..If you have a Spotify account, then you can also hear us through that app, too. You can also listen through your Amazon Alexa and Google Home devices. Remember, you can download it through the iTunes store, too. See the preview page by Clicking Here