Podcasts about regulatory

In this episode, Brett Winton and Lorenzo sit down with Carlos Domingo, CEO and co-founder of Securitize, to explore how blockchain infrastructure is transforming capital markets. As a pioneer in the tokenization space, Carlos unpacks what it means to issue native securities—like stocks, bonds, and credit funds—on chain and why the modernization of legacy financial systems is long overdue. Carlos details Securitize's role as a registered transfer agent and broker-dealer, their regulatory journey with the Securities and Exchange Commission (SEC), and why native tokenization (not synthetic derivatives) is essential for future growth. They discuss the promise of 24/7 trading, peer-to-peer transfers, composability with decentralized finance (DeFi) protocols, and the global democratization of financial access—especially in markets underserved by traditional systems. The episode also dives into the tension between blockchain-native systems and financial incumbents, the logic behind Securitize's decision to go public via a special purpose acquisition company (SPAC), and the asset classes best suited for tokenization—from treasuries to public equities and beyond.Key Points From This Episode:(00:00:00) Why capital markets need a blockchain-based ledger upgrade(00:05:46) How tokenization improves global accessibility and financial user experience(00:07:35) Real-world examples: Tokenized treasury and credit funds(00:10:29) Understanding how ownership works: DTCC, transfer agents, and blockchain(00:17:08) Global appetite for tokenized stocks, following stablecoin adoption(00:18:24) Tokenizing private equity and venture capital for broader access(00:25:34) How Securitize tokenizes assets the right way—with issuer involvement(00:28:55) Regulatory clarity accelerates tokenization adoption(00:30:08) Open blockchain infrastructure unlocks composability and innovation(00:35:50) Where Securitize fits in the capital markets stack(00:37:13) Projecting tokenized assets: From $4.6B to $200B assets under management (AUM)(00:39:46) Why Securitize stays blockchain-agnostic despite protocol growth

Today's episode features Part 1 of our November 4 webinar, "The CFPB's Most Ambitious Regulatory Agenda Ever." In this packed episode, our expert panel breaks down the Consumer Financial Protection Bureau's largest and boldest regulatory agenda to date. Discussing an unprecedented lineup of 24 rulemaking items that could reshape the consumer financial services industry. What's Included: Unprecedented Regulatory Activity: We unpack why this semi-annual agenda stands out, the record number of proposed rules, and what this means for financial institutions, FinTechs, and consumers alike. Hot Topics Covered: From sweeping changes in mortgage servicing to open banking (1033 of Dodd-Frank/personal financial data rights), small business lending rules (1071 of Dodd-Frank), and the rollout of the Financial Data Transparency Act, we cover all the major initiatives and legal battles on the horizon. Industry Insight: Hear why certain rules are stirring up controversy, what compliance challenges lie ahead, and how litigation and funding woes at the CFPB might impact the pace of change. Practical Impact: Learn about technical corrections in remittance transfer rules, new standards for data sharing, and what these changes mean for day-to-day business operations. Meet Your Speakers from Ballard Spahr: Alan Kaplinsky (Host & Moderator): Senior Counsel, founder and former leader of Ballard Spahr's Consumer Financial Services Group  Rich Andreano, Jr.: Partner and head of the firm's Mortgage Banking Group  John Culhane, Jr.: Partner in the Consumer Financial Services Group  Greg Szewczyk: Chair of the firm's Privacy and Data Security Group  Mudasar Pham-Khan: Associate, Consumer Financial Services Group  Kristen Larson: Of Counsel, Consumer Financial Services Group  Daniel Wilkerson: Associate, Consumer Financial Services Group  Rob Lieber: Associate, Consumer Financial Services Group  Aja Finger: Associate, Consumer Financial Services Group  Tune in for strategic insights and practical tips to help you prepare for the CFPB's evolving rulebook. Whether you're a compliance leader, financial executive, or simply interested in how Washington's boldest moves will impact your world, this episode is your essential guide to what's next in consumer financial services. Don't miss Part 2, coming next week with even more updates and expert perspectives! Consumer Finance Monitor is hosted by Alan Kaplinsky, Senior Counsel at Ballard Spahr, and the founder and former chair of the firm's Consumer Financial Services Group. We encourage listeners to subscribe to the podcast on their preferred platform for weekly insights into developments in the consumer finance industry.

Researchers are trying to protect livestock from mountain lions. The American Farm Bureau is pleased with proposed changes in clean water regulations and will check in with a farmer of persimmons and figs to learn a little about the crop and their health benefits.   

In this episode of the AgCulture Podcast, Gregg Doud, President and Chief Executive Officer of the National Milk Producers Federation, explains how global agricultural trade negotiations actually work behind closed doors. Drawing on his experience as Chief Agricultural Negotiator at the Office of the United States Trade Representative, Gregg breaks down trade leverage, non tariff barriers, and why communication matters more than tariffs alone. He also shares why agriculture and dairy exports are central to US economic and food security. Listen now on all major platforms to hear this insider perspective on global trade!Meet the guest: Gregg Doud is President and Chief Executive Officer of the National Milk Producers Federation, where he leads efforts to strengthen US dairy competitiveness and global trade. He previously served as Chief Agricultural Negotiator at the Office of the United States Trade Representative and held senior roles in Congress and agricultural economics.What you will learn: (00:00) Introduction(06:13) Trade scale explained(13:18) China negotiations(16:01) Trade preparation(20:32) Regulatory barriers(29:13) Trade misconceptions(45:22) Closing thoughtsDiscover the world of agriculture with the "Ag Culture Podcast". This podcast will be a gateway for those passionate about agriculture to explore its global perspectives and innovative practices.Join Paul as he shares his experiences in the agricultural industry, his travels and encounters with important figures around the world.Available on YouTube, Spotify and Apple Podcasts.Subscribe at http://www.agculturepodcast.com and keep an eye out for future episodes, bringing insights and stories from the vibrant world of agriculture.

Bill Gurley (@bgurley) is a general partner at Benchmark, a leading venture capital firm in Silicon Valley. His new book is Runnin' Down a Dream: How to Thrive in a Career You Actually Love.This episode is brought to you by:Momentous high-quality creatine for cognitive and muscular supportOur Place's Titanium Always Pan® Pro using nonstick technology that's coating-free and made without PFAS, otherwise known as “Forever Chemicals”Shopify global commerce platform, providing tools to start, grow, market, and manage a retail businessCoyote the card game​, which I co-created with Exploding Kittens*Timestamps:[00:00:00] Start.[00:01:43] The book that gave Jerry Seinfeld permission to pursue comedy and inspired Runnin' Down a Dream.[00:03:59] AI bubble or not?[00:06:33] Circular deals and SPV chaos.[00:12:01] Angel investing in the AI era.[00:14:32] Why you should be the most AI-enabled version of yourself, regardless of field.[00:20:47] China deep dive: Ten days, six cities, high-speed trains, and a Xiaomi SU7 factory tour.[00:22:43] Communism misconceptions.[00:25:40] Lei Jun: The Steve Jobs of China.[00:29:17] Jack Ma, ByteDance's invisible CEO, and the risks of prominence in China.[00:32:11] America vs. China (Lawyers vs. engineers).[00:41:01] Keys for US competitiveness.[00:43:47] Bill is bullish on these countries.[00:47:30] Matthew McConaughey's “Don't half ass it” moment.[00:49:45] Runnin' Down a Dream thesis: Helping people pursue X instead of A, B, or C.[00:51:03] The 80,000-hour question.[00:52:47] The self-learning test.[00:56:58] Bob Dylan as music expeditionary.[01:00:27] Go to the epicenter where the action is.[01:10:56] Danny Meyer's pivot.[01:13:30] Working for free.[01:19:37] Never too late: Tito Beveridge started Tito's Vodka at 40.[01:21:51] AI sanity checks.[01:25:59] AI-proof bets.[01:29:13] Sam Hinkie's Moneyball moment.[01:32:37] Competitive strategy, avoiding false failures, and regret minimalization.[01:43:46] Purpose, Progress, and Prosperity — the P3 Policy Institute.[01:47:18] Regulatory capture explained.[01:51:55] Why the IPO market is broken.[02:01:52] Stablecoins putting Visa and Mastercard on notice.[02:03:40] Hopes for Runnin' Down a Dream and parting thoughts.*For show notes and past guests on The Tim Ferriss Show, please visit tim.blog/podcast.For deals from sponsors of The Tim Ferriss Show, please visit tim.blog/podcast-sponsorsSign up for Tim's email newsletter (5-Bullet Friday) at tim.blog/friday.For transcripts of episodes, go to tim.blog/transcripts.Discover Tim's books: tim.blog/books.Follow Tim:Twitter: twitter.com/tferriss Instagram: instagram.com/timferrissYouTube: youtube.com/timferrissFacebook: facebook.com/timferriss LinkedIn: linkedin.com/in/timferrissSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Are you wondering what connects the nouns in the headline together?It's a Medicare cognitive screening devise. Look at these words and commit them to memory. Try to repeat back this list of words twice a day, from memory: Apple, Chair, Ocean, Book, and Clock.  During the next live edition of the popular Talk Ten Tuesday live Internet broadcast, Gloryanne Bryant will report on what some medical experts say about an inability to recall these five words.Could it be signs of cognitive changes or impairment within the brain? Or could it mean that the individual has memory and recall issues? Register now to learn more.The broadcast will also feature these instantly recognizable panelists, who will report more news during their segments:News Desk: Timothy Powell, ICD10monitor national correspondent, will anchor the Talk Ten Tuesdays News DeskThe Coding Report: Jodi Worthington, with First Class Solutions, will substitute for Christine Geiger to report on the latest coding news POV: Penny Jefferson, Manager of Coding & Clinical Documentation Integrity Services for the University of Davis Medical Center, and guest cohost of Talk Ten Tuesday, will share her point of view (POV) during the broadcast.

In this week's episode of Dollars & Sense with Joel Garris, Joel dives into two urgent questions facing American investors and retirees: How will the Corporate Transparency Act (CTA) affect your business, and are you prepared for the costly pitfalls of inherited IRA rules? First, Joel unpacks the latest developments in the Corporate Transparency Act, including an interview with Simon Conway. Listeners learn why recent rule changes and enforcement suspensions mean most U.S. companies are temporarily off the hook for beneficial ownership reporting—but why foreign entities and ongoing litigation could shift the landscape again soon. Joel and Simon highlight the burden on small businesses and the complex path to reversing these requirements. Next, Joel explores the growing crisis of Americans sacrificing retirement savings to support family members. He shares surprising statistics: While most are willing to cut back on their own lifestyles or work longer, only a small fraction are willing to reconsider family support. Joel offers practical strategies for setting boundaries, planning tax-efficient gifts, and balancing the needs of the “sandwich generation.” The episode's third segment tackles the new inherited IRA rules that could cost unwary beneficiaries thousands in penalties. Joel explains how missing required withdrawals can trigger a 25% penalty and push you into a higher tax bracket, plus the common mistakes people make and the tax-smart moves to avoid them. Key Takeaways: Stay updated on CTA regulations and know if your business is affected. Protect your retirement by setting clear boundaries on family financial support. Understand and plan for inherited IRA rules to avoid hefty penalties. Don't miss this engaging episode—click to listen and get expert insights on protecting your wealth, planning smarter, and avoiding costly mistakes! 

Whistleblower attorney Max Volman will return to the next Monitor Monday broadcast to report the latest news about whistleblowers. As we have learned, often “whistleblowers” are not insiders reporting wrongdoing; they tend to be outside the offending organization.Register now to listen to Max Voldman's exclusive report.Broadcast segments will also include these instantly recognizable features:●       Monday Rounds: Ronald Hirsch, MD, vice president of R1 RCM, will be making his Monday Rounds. ●       The RAC Report: Healthcare attorney Knicole Emanuel, partner at the law firm of Nelson Mullins, will report the latest news about auditors. ●       Legislative Update: Adam Brenman, legislative affairs analyst for Zelis, will report on the news happening at the intersection of healthcare and congressional action.●       Risky Business: Healthcare attorney David Glaser, shareholder in the law offices of Fredrikson & Byron, will join the broadcast with his trademark segment.

In this month's Maples Group Cayman Islands Regulatory 15/15 episode, Chris Capewell, Michelle Bailey, Mariana Alves and Jo Ottaway discuss the Common Reporting Standard ("CRS") 2.0, 2026 Cayman Islands Regulatory Calendar and Year End Reminders.To read the 2026 Cayman Islands Regulatory Calendar, visit https://maples.com/regulatory-round-up/2026-cayman-islands-regulatory-calendar.SPEAKERS:Chris Capewell, Partner | +1 345 814 5666 | chris.capewell@maples.com | View bioMichelle Bailey, Senior Vice President - Head of Cayman AEOIRegulatory & Compliance | +1 345 814 5711 | michelle.bailey@maples.com | View bioMariana Alves, Associate | +1 345 814 5639 | mariana.alves@maples.com | View bioJo Ottaway, Associate | +1 345 814 5511 | jo.ottaway@maples.com | View bioRESOURCES:Presentation slides: https://issuu.com/maplesgroup/docs/maples_group_15-15_podcast_-_december_2025?fr=sYjNhYzg5ODU1MzI Visit our Regulatory Round-Up Blog for the latest developments and insights in the regulatory landscapeRELATED SERVICES:Maples Group Regulatory and Financial Services AdvisoryWith a depth of experience across all regulated sectors, the Maples Group Regulatory and Financial Services team is positioned to address client needs and sensitivities. We have the largest dedicated Cayman Islands Regulatory and Financial Services team in the offshore market.Follow Us: LinkedIn: https://www.linkedin.com/company/maplesgroup/Instagram: https://www.instagram.com/maplesgroup/Twitter: https://twitter.com/maplesgroupFacebook: https://www.facebook.com/maplesgroup/Website: https://maples.com/podcasts/15-15 Blog:

Send us a textCheck us out at:  https://www.cisspcybertraining.com/Get access to 360 FREE CISSP Questions:  https://www.cisspcybertraining.com/offers/dzHKVcDB/checkoutGet access to my FREE CISSP Self-Study Essentials Videos:  https://www.cisspcybertraining.com/offers/KzBKKouvWhat happens when cybersecurity meets the engine room of the business? We dig into the partnership between the CISO and COO and show how shared risk, clear language about money, and practical tabletop drills turn security into operational resilience. Ransomware, supply chain delays, and customer impact aren't just IT issues—they're revenue issues—so we map exactly how to build alignment before a crisis hits.We break down CISSP Domain 1.5 with a plain-English tour of law categories and the statutes you actually need to know: CFAA and NIIPA for unauthorized access and critical infrastructure, FISMA and the NIST standards for federal-grade security programs, and the federal modernization that centralized oversight under DHS. Then we go deeper into intellectual property: what copyrights, trademarks, patents, and trade secrets protect; how DMCA and AI complicate ownership; and how licensing and click-through terms can quietly put your data and code at risk if you don't read them with counsel.Cross-border data is now daily business, so we unpack export controls on chips and encryption, transborder data flow obligations, and privacy regimes that carry real teeth: GDPR's 72-hour notification, China's PIPL and local representation, and state laws like CCPA that mirror EU rights. The practical takeaway is a tighter incident playbook: define “breach” with evidence-based thresholds, pre-wire stakeholder communications, and use tabletop exercises to test both technical recovery and regulatory reporting.If you're studying for the CISSP or leading a security program, this is the legal-ops blueprint you can use today. Subscribe, share this with your ops and legal teams, and leave a review to tell us which regulation gives you the biggest headache—we'll tackle it next.Gain exclusive access to 360 FREE CISSP Practice Questions at FreeCISSPQuestions.com and have them delivered directly to your inbox! Don't miss this valuable opportunity to strengthen your CISSP exam preparation and boost your chances of certification success. Join now and start your journey toward CISSP mastery today!

REVIEW — Bob Zimmerman — European Union Space Act: Regulatory Overreach Against Private Enterprise. Zimmerman discusses a proposed European Union Space Act, characterizing this legislation as "egregious" regulatory overreach that would systematically harm private enterprise innovation and commercial space development. Zimmermanprovides a 50-word summary: Zimmerman critiques the law because the EU is attempting to impose its regulatory sovereignty on non-European companies, specifically dictating satellite construction and launch methodologies for American firms having no European operational presence or connection. Despite unprecedented opposition from the U.S. State Department, the European Space Agency, private American space companies, and the Progressive Policy Institute (a leftist policy organization), Zimmerman warns that the EU characteristically ignores substantive objections and pursues its own regulatory agenda unilaterally, functioning analogously to a Homeowners Association attempting to enforce paint color requirements on properties located in completely different cities outside their jurisdictional authority.

PREVIEW — Jeff Bliss — California Gas Prices and Regulatory Constraints. Bliss reports that while national average gasoline prices are declining due to demand weakness and ample supply, California gasoline prices remain persistently elevated, frequently exceeding $5.00 per gallon due to state-specific regulatory frameworks and the systematic closure of petroleum refineries reducing processing capacity. Bliss warns that energy market experts project California gasoline prices could catastrophically escalate to approximately $12.00 per gallon, a devastating potential price increase for a state economy structurally dependent upon private automobile transportation and individual vehicle ownership for employment, commerce, and daily economic activity.

Karl and Erum explore the untapped potential of fungi through three groundbreaking interviews. First, they speak with Susanne Gloersen, founder of the Future is Fungi Award, about why fungi represent the next frontier in biotech and how her global platform is accelerating fungal innovation across industries—from soil remediation to firefighting foam. Next, they sit down with Ricky Cassini of Michroma, winner of the Future is Fungi Award, who explains how his team engineers fungi to produce natural food colorants that outperform synthetic dyes and plant-based alternatives, offering 50x more potency than traditional options while being heat and pH stable. Finally, they interview Dr. Britta Winter of Mycolever, runner-up of the award, who discusses how her company uses fungal biodiversity to create sustainable bio-compounds for cosmetics, including emulsifiers and enhanced beauty oils that replace petrochemicals without compromising performance. Throughout the episode, the hosts highlight recent developments like MIT researchers using fungal compounds to treat brain cancer, FDA's phase-out of synthetic dyes, and the growing shift toward bio-based ingredients in food, cosmetics, and beyond.Grow Everything brings the bioeconomy to life. Hosts Karl Schmieder and Erum Azeez Khan share stories and interview the leaders and influencers changing the world by growing everything. Biology is the oldest technology. And it can be engineered. What are we growing?Learn more at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.messaginglab.com/groweverything⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Chapters:(00:00:00) - Introduction: Fungi as environmental game-changers(00:26:18) - Podcast updates and Michael Levin episode highlights(02:10:35) - Ashley Beckwith and Foray Biosciences: mining fungal biodiversity(04:57:22) - The untapped power of mycelium in biotechnology(08:04:15) - Launching the Future is Fungi Award(08:58:40) - Susanne Gløersen: Why fungi deserve to be core technology(00:12:09) - Fungi's role in solving climate, pollution, and soil degradation(00:27:06) - Quickfire questions with Susanne Gløersen(00:29:14) - Ricky Casini of Michroma: replacing synthetic food dyes with fungi(00:38:10) - Scaling fermentation capacity in South Korea(00:38:45) - Pitching fungal colorants to food manufacturers(00:40:22) - Regulatory wins and transparency in natural colors(00:41:19) - The future of fungal bio-factories in food production(00:43:05) - Scaling up production and strategic partnerships(00:44:09) - Why color matters in consumer packaged goods(00:45:46) - Winning the Future is Fungi Startup Award(00:46:59) - Quickfire questions with Ricky Cassini(00:49:02) - Dr. Britta Winterberg introduces Mycolever's clean beauty mission(00:50:00) - Fungal bio-compounds replacing petrochemicals in cosmetics(00:52:10) - Technical challenges and breakthroughs in fungal biotech(00:59:52) - Quickfire questions with Dr. Britta Winterberg(01:02:54) - Final reflections on the fungal innovation revolutionLinks and Resources:Future is Fungi AwardsFuture is Fungi Award WinnersThe Future is Fungi Award on LinkedInmichroma - 1st place winner Michroma partners with CJ CheilJedang to advance precision fermented colorsMycolever - 2nd place winnerXPRIZEThe language of fungi - Andrew AdamatzkyCosmetic 360 Event156. When Matter Makes Decisions: Michael Levin on the Intelligence of Form158. Mycelium On, Sound Off: How GOB's Lauryn Menard Makes Biomaterials Feel Like Culture126. Sizzling Success: Eben Bayer of MyForest Foods on Scaling Mycelium Magic46. Meat the Future: How Paul Shapiro is Brewing Superfoods at Better Meat Co.131. Leaf It to Science: How Foray Bioscience's Ashley Beckwith is Reforesting the FutureTopics Covered: mycelium, fungi, mushrooms, Future is Fungi, bioinnovation, biotech, mycoremediation, food dyes, personal care and beautyHave a question or comment? Message us here:Text or Call (804) 505-5553 

Raymond Nistor-Gallo, Kurt Zatloukal, Karin Schwenoha. Regulatory Fragmentation in Europe and Its Risks for Patient Access and Safety: Subcontracting Work Flow Steps of In-House Diagnostic Procedures. Clinical Chemistry, Volume 71, Issue 12, December 2025, Pages 1202–1211. https://doi.org/10.1093/clinchem/hvaf123

Good morning from Pharma Daily: the podcast that brings you the most important developments in the pharmaceutical and biotech world. Today, we delve into a myriad of transformative advancements and strategic shifts within these industries, illustrating the profound impact of innovation and regulatory changes on healthcare.Eli Lilly's recent strides in obesity treatment highlight a significant scientific breakthrough with their novel drug, retatrutide. Currently in phase 3 trials, this triple agonist targets GLP-1, GIP, and glucagon receptors, achieving an extraordinary 28.7% weight loss in participants. Additionally, it demonstrated a 75.8% reduction in knee osteoarthritis pain. Yet, the journey to this milestone wasn't without challenges. The trials saw a higher discontinuation rate than earlier studies, reminding us of the delicate balance between efficacy and patient tolerability—a consistent theme in obesity pharmacotherapy as developers strive to maximize benefits while minimizing adverse effects.In a testament to the global nature of drug development, Zealand Pharma has embarked on a $2.5 billion collaboration with a burgeoning Chinese biotech firm. This partnership aims to advance oral cardiometabolic therapies, underscoring the crucial role of strategic alliances in accessing innovative scientific platforms and expanding market reach.Rezolute faced a significant setback with a disappointing phase 3 trial for its hypoglycemia treatment, resulting in an 87% drop in stock value. This starkly illustrates biotech's inherent volatility and the critical importance of robust clinical trial design to mitigate financial risks associated with unsuccessful outcomes.Meanwhile, Moderna is leveraging Nanexa's expertise in long-acting formulations to enhance injectable therapy delivery systems. This collaboration is indicative of a broader industry trend focused on optimizing drug delivery technologies to boost efficacy and patient compliance.Operational restructuring is also evident as Pfizer implements cost-cutting measures, including layoffs in Switzerland, as part of broader strategic initiatives to optimize operations amid rising R&D costs and pricing pressures. Simultaneously, Chris Boulton's transition from Amgen to Prolynx underscores the fluid movement of talent within the industry—a reflection of ongoing strategic realignments.Regulatory landscapes are shifting as well. The FDA's approval of the first non-drug at-home treatment for depression marks an expansion into alternative therapeutic modalities beyond traditional pharmaceuticals. This wearable device offers adults with major depressive disorder a novel treatment option, integrating technology into mental health care—a promising addition to holistic treatment strategies.In another significant regulatory update, Teva Pharmaceuticals agreed to delist numerous patents from the FDA's Orange Book following an FTC ruling. This move is anticipated to foster increased generic competition and potentially lower medication costs for conditions like asthma and diabetes—a critical shift towards greater market accessibility.The FDA has also finalized guidance on promotional materials for biologics and biosimilars, standardizing advertising practices to ensure accurate representation of these products' efficacy and safety profiles amidst an expanding biologics market.Moreover, the FDA has launched its Commissioner's National Priority Voucher Pilot Review Program to expedite critical drug approvals. The first beneficiary under this program was USAntibiotics with Augmentin XR, signaling a potential shift towards more rapid access to essential medications.On the international policy front, recent developments between the UK and US have led to reductions in medicine rebate rates within the UK. This adjustment could lead to increased spending on new medicines, indicating more favorable conditions for pharmaceutical Support the show

The AI boom is propelling a once-obscure group of state regulators into key decision-making roles for the economy. AI needs data centers, data centers need power and power is generally regulated in some way — depending on the state — by public utilities commissions.That's the topic of a new report from the Center on Technology Policy at NYU. Scott Brennen, CTP director and author of the report, said these commissions often make decisions on planning and permitting for new infrastructure and decide the rates utilities charge consumers.

The AI boom is propelling a once-obscure group of state regulators into key decision-making roles for the economy. AI needs data centers, data centers need power and power is generally regulated in some way — depending on the state — by public utilities commissions.That's the topic of a new report from the Center on Technology Policy at NYU. Scott Brennen, CTP director and author of the report, said these commissions often make decisions on planning and permitting for new infrastructure and decide the rates utilities charge consumers.

Andrew, Ben, and Tom discuss their takeaways from yesterday's Fed meeting and break down Oracle's earnings.Song: I Will Possess Your Heart - Death Cab for CutieFor information on how to join the Zoom calls live each morning at 8:30 EST, visit:https://www.narwhal.com/blog/daily-market-briefingsPlease see disclosures:https://www.narwhal.com/disclosure

MedboardEurope48% disruption in the EU - I hope you are all healthy: https://health.ec.europa.eu/document/download/13b2c812-b144-4489-af1f-e76af5bc97fd_en?filename=md_availability_study_presentation_2024.pdfConsultation: SCHEER asks you - Are Brain Stimulators for non-medical purpose dangerous: https://health.ec.europa.eu/consultations/scheer-public-consultation-preliminary-scientific-opinion-health-hazards-and-risks-associated-use_enQ&A Medicines used with Medical Devices - Revision 6 with new questions: https://www.ema.europa.eu/en/documents/regulatory-procedural-guideline/questions-answers-implementation-medical-devices-vitro-diagnostic-medical-devices-regulations-eu-2017-745-eu-2017-746_en.pdfEUDAMED is Mandatory - From 28 May 2026: https://eur-lex.europa.eu/legal-content/EN/TXT/PDF/?uri=OJ:L_202502371 - https://health.ec.europa.eu/latest-updates/eudamed-four-first-modules-will-be-mandatory-use-28-may-2026-2025-11-27_enUKBetter Call MHRA - But we don't consult: https://www.gov.uk/guidance/medical-devices-get-regulatory-advice-from-the-mhraStandardISO 10993-1 mutation - Nothing is automatic anymore: https://www.youtube.com/watch?v=AkSZVNSz5a0ISO 18969 draft -  Comments until 28-01-2026: https://www.youtube.com/watch?v=zCR9HlHJ5l0EasyIFUCreate your Labels with EasyIFU - UDI included: https://easyifu.comRest of the WorldArgentinaArgentina: Simplified application - Class I/A or Class II/B: https://www.argentina.gob.ar/noticias/anmat-establece-un-regimen-simplificado-para-la-habilitacion-de-establecimientos  CanadaCanada: Modernization of the MDEL - Some changes: https://www.canada.ca/en/health-canada/services/drugs-health-products/compliance-enforcement/establishment-licences/medical-devices-compliance-bulletin/consultation-modernizing-mdel-framework-phase-ii.htmlCanada: Medical Device License Application - Guidance on how to do it: https://www.canada.ca/en/health-canada/services/drugs-health-products/medical-devices/application-information/guidance-documents/managing-applications-licenses.htmlBrazilBrazil: Digitalisation of Certificates - You can request that online now: https://www.gov.br/anvisa/pt-br/assuntos/noticias-anvisa/2025/anvisa-lanca-nova-ferramenta-para-emitir-certificados-de-dispositivos-medicosPodcastPodcast Nostalgia - Let's review previous podcastsEpisode 363 - The journey of a CRO with Helene Quie: https://podcast.easymedicaldevice.com/363-2/Episode 364 - What is changing with the new ISO 10993-1 with Marina Daineko: https://podcast.easymedicaldevice.com/364-2/Episode 365 - How to become a Lead Auditor with Rob Packard: https://podcast.easymedicaldevice.com/365-2/Social Media to followMonir El Azzouzi Linkedin: https://linkedin.com/in/melazzouziTwitter: https://twitter.com/elazzouzimPinterest: https://www.pinterest.com/easymedicaldeviceInstagram: https://www.instagram.com/easymedicaldevice

In this episode of Medsider Radio, we sat down with Andrew Holman, MD, CEO of Inmedix. Inmedix is commercializing CloudHRV, an FDA-cleared diagnostic that quantifies biological stress with clinical precision to guide treatment decisions in autoimmune disease and beyond.Andrew is a practicing rheumatologist in Seattle with 25 years of clinical and research experience. His discoveries linking autonomic dysfunction to autoimmune disease outcomes led to a $10 million patent sale to Boehringer Ingelheim. After a decade in retirement, he returned to found Inmedix and pioneer the field of immuno-autonomics — preparing the market for his technology years before launch.In this interview, Andrew shares how to build a category before commercializing a product, why clinical evidence creates competitive moats that money can't replicate, and how to raise capital from angel investors by understanding what they actually care about.Before we dive into the discussion, I wanted to mention a few things:First, if you're into learning from medical device and health technology founders and CEOs, and want to know when new interviews are live, head over to Medsider.com and sign up for our free newsletter.Second, if you want to peek behind the curtain of the world's most successful startups, you should consider a Medsider premium membership. You'll learn the strategies and tactics that founders and CEOs use to build and grow companies like Silk Road Medical, AliveCor, Shockwave Medical, and hundreds more!We recently introduced some fantastic additions exclusively for Medsider premium members, including playbooks, which are curated collections of our top Medsider interviews on key topics like capital fundraising and risk mitigation, and 3 packages that will help you make use of our database of 750+ life science investors more efficiently for your fundraise and help you discover your next medical device or health technology investor!In addition to the entire back catalog of Medsider interviews over the past decade, premium members also get a copy of every volume of Medsider Mentors at no additional cost, including the latest Medsider Mentors Volume VII. If you're interested, go to medsider.com/subscribe to learn more.Lastly, if you'd rather read than listen, here's a link to the full interview with Andrew Holman.

Interview recorded - 2nd of December, 2025On this episode of the WTFinance podcast I had the pleasure of welcoming on Bill Moreland. Bill is the founder of Bankregdata.During our conversation we spoke about Bills thoughts on the credit markets, regulatory shift, risk in banks, private credit risks, large bank blowup and more. I hope you enjoy!0:00 - Introduction1:18 - Overview of credit markets7:27 - Regulatory shift24:38 - What does this mean?32:53 - Private credit44:48 - Large bank blowup53:33 - One message to takeaway?Bill Moreland is a partner in a company/website called BankRegData.com. The Austin, Texas company BankRegData started in 2010 to provide a web aggregated Federal Depository Insurance Company (FDIC) insured Bank Quarterly Call Report data and additionally offer a narrative/interpretation on the bank book dynamics (see 2016 Q4 Asset Review or Winners & Losers: Citigroup). Since 2012 this data is taken from the FFIEC Central Data Repository. FFIEC is the acronym for the Federal Financial Institution Examination Council. The FFIEC is an interagency standards committee across five banking regulators including: Federal Reserve Board of Governors , Federal Deposit Insurance Corporation, National Credit Union Administration, Office of the Comptroller of the Currency, and the Consumer Financial Protection Bureau (note the Securities Exchange Commission is not listed as one of the regulators in the FFIEC.). What BankRegData does is aggregate, and to some degree normalize, the Quarterly Call Report Data. BankRegData will get you (to a good first approximation) the distribution of securities ( deposits, mortgages, credit card accounts, loans, and tradable securities) at a quarterly aggregation level across the Banking Book of the major Bank Holding Companies.Bill Moreland - Website - https://www.bankregdata.com/main.aspX - https://x.com/BankRegDataLinkedIn - https://www.linkedin.com/in/bill-moreland-097586/WTFinance -Spotify - https://open.spotify.com/show/67rpmjG92PNBW0doLyPvfniTunes -https://podcasts.apple.com/us/podcast/wtfinance/id1554934665?uo=4LinkedIn - https://www.linkedin.com/in/anthony-fatseas-761066103/Twitter - https://twitter.com/AnthonyFatseas

The MacVoices Live! panel touches on Microsoft's warning about a risky experimental AI agent in Windows, raising concerns about big tech pushing features before security is understood. Chuck Joiner, Marty Jencius, Brian Flanigan-Arthurs, Eric Bolden, Jim Rea, Web Bixby, and David Ginsburg debate age-verification proposals from Roblox and Pornhub, explore Coinbase's new prediction market, and react to a massive WhatsApp data breach affecting billions of phone numbers.  MacVoices is supported by Incogni. Take your personal data back with Incogni! Get 60% off an annual plan at incogni.com/CHUCK and use code CHUCK at checkout..http://incogni.com/CHUCK Show Notes: Chapters: [0:00] Opening, sponsor mention, and setup for AI security discussion[0:23] Microsoft warns experimental Windows AI agent may expose user data[1:52] Enterprise perspective: why companies won't enable risky AI features[3:29] The broader question: why tech firms ship features before securing them[3:46] Roblox proposes selfie-based age verification[4:49] Pornhub urges device-level age verification by Apple/Google[6:14] State-by-state regulation pressures adult platforms[7:33] Concerns about third-party apps storing user photos and IDs[9:32] The burden of age verification and whether platforms should hold it[11:10] Regulatory inconsistencies, digital IDs, and privacy trade-offs[17:36] Coinbase launches Kaushy-powered prediction market[18:41] Risks of betting platforms built on crypto or “play money”[20:35] Similarities to opaque financial instruments and fairness concerns[21:54] Recommended podcast episodes on betting markets manipulation[24:17] WhatsApp data breach exposes 3.5B phone numbers[26:03] Why WhatsApp's identity model makes leaks so damaging[27:17] Meta's years-long failure to address systemic vulnerabilities[28:22] International reliance on WhatsApp and global impact of breach[29:58] Closing roundtable, Thanksgiving plans, and contact info Links: Critics scoff after Microsoft warns AI feature can infect machines and pilfer datahttps://arstechnica.com/security/2025/11/critics-scoff-after-microsoft-warns-ai-feature-can-infect-machines-and-pilfer-data/ Roblox demands an AI-verified selfie to prevent kids from chatting to adultshttps://www.fastcompany.com/91445273/roblox-age-verification-ai-lawsuit Pornhub Is Urging Tech Giants to Enact Device-Based Age Verificationhttps://www.wired.com/story/pornhub-is-urging-tech-giants-to-enact-device-based-age-verification/ Coinbase said to launch Kalshi-powered prediction markethttps://seekingalpha.com/news/4524123-coinbase-said-to-launch-kalshi-powered-prediction-market Against The Rules podcasthttps://www.pushkin.fm/podcasts/against-the-rules * Episode 4: “A Hard Way to Make an Easy Living” — explores how sports betting worked before legalization, the betting sharps, and differences between old-school versus online gambling.   * Episode 7: “Little Big Short” — discusses restrictions on online sportsbooks (for example in California), featuring perspectives from pastors, Native Americans, and short-sellers.   * Episode 8: “The Integrity Landscape” — covers how betting based on inside information hasn't gone away, and the problems this raises for athletes — especially in college sports.   * Episode 10: “Anybody Can Win, but Everybody's Gonna Lose…” — looks at online gambling and the risks to individuals, especially younger people; includes reflection by the host on protecting his son from gambling's lure. “ WhatsApp security flaw exposed 3.5B phone numbers – including yourshttps://9to5mac.com/2025/11/18/whatsapp-security-flaw-exposed-3-5b-phone-numbers-including-yours/ “Wanna bet? Online prediction markets wager that you will” - CBS Sunday Morninghttps://www.youtube.com/watch?v=iGx-kqf_840 Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn, but prefers Bluesky. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Brian Flanigan-Arthurs is an educator with a passion for providing results-driven, innovative learning strategies for all students, but particularly those who are at-risk. He is also a tech enthusiast who has a particular affinity for Apple since he first used the Apple IIGS as a student. You can contact Brian on twitter as @brian8944. He also recently opened a Mastodon account at @brian8944@mastodon.cloud. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession ‘firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Support:      Become a MacVoices Patron on Patreon     http://patreon.com/macvoices      Enjoy this episode? Make a one-time donation with PayPal Connect:      Web:     http://macvoices.com      Twitter:     http://www.twitter.com/chuckjoiner     http://www.twitter.com/macvoices      Mastodon:     https://mastodon.cloud/@chuckjoiner      Facebook:     http://www.facebook.com/chuck.joiner      MacVoices Page on Facebook:     http://www.facebook.com/macvoices/      MacVoices Group on Facebook:     http://www.facebook.com/groups/macvoice      LinkedIn:     https://www.linkedin.com/in/chuckjoiner/      Instagram:     https://www.instagram.com/chuckjoiner/ Subscribe:      Audio in iTunes     Video in iTunes      Subscribe manually via iTunes or any podcatcher:      Audio: http://www.macvoices.com/rss/macvoicesrss      Video: http://www.macvoices.com/rss/macvoicesvideorss

One on One Video Call W/George https://tidycal.com/georgepmonty/60-minute-meetingSupport the show:https://www.paypal.me/Truelifepodcast?locale.x=en_USThe Lila Code: https://orcid.org/0009-0008-4612-3942

The MacVoices Live! panel touches on Microsoft's warning about a risky experimental AI agent in Windows, raising concerns about big tech pushing features before security is understood. Chuck Joiner, Marty Jencius, Brian Flanigan-Arthurs, Eric Bolden, Jim Rea, Web Bixby, and David Ginsburg debate age-verification proposals from Roblox and Pornhub, explore Coinbase's new prediction market, and react to a massive WhatsApp data breach affecting billions of phone numbers.  MacVoices is supported by Incogni. Take your personal data back with Incogni! Get 60% off an annual plan at incogni.com/CHUCK and use code CHUCK at checkout.. http://incogni.com/CHUCK Show Notes: Chapters: [0:00] Opening, sponsor mention, and setup for AI security discussion [0:23] Microsoft warns experimental Windows AI agent may expose user data [1:52] Enterprise perspective: why companies won't enable risky AI features [3:29] The broader question: why tech firms ship features before securing them [3:46] Roblox proposes selfie-based age verification [4:49] Pornhub urges device-level age verification by Apple/Google [6:14] State-by-state regulation pressures adult platforms [7:33] Concerns about third-party apps storing user photos and IDs [9:32] The burden of age verification and whether platforms should hold it [11:10] Regulatory inconsistencies, digital IDs, and privacy trade-offs [17:36] Coinbase launches Kaushy-powered prediction market [18:41] Risks of betting platforms built on crypto or "play money" [20:35] Similarities to opaque financial instruments and fairness concerns [21:54] Recommended podcast episodes on betting markets manipulation [24:17] WhatsApp data breach exposes 3.5B phone numbers [26:03] Why WhatsApp's identity model makes leaks so damaging [27:17] Meta's years-long failure to address systemic vulnerabilities [28:22] International reliance on WhatsApp and global impact of breach [29:58] Closing roundtable, Thanksgiving plans, and contact info Links: Critics scoff after Microsoft warns AI feature can infect machines and pilfer data https://arstechnica.com/security/2025/11/critics-scoff-after-microsoft-warns-ai-feature-can-infect-machines-and-pilfer-data/ Roblox demands an AI-verified selfie to prevent kids from chatting to adults https://www.fastcompany.com/91445273/roblox-age-verification-ai-lawsuit Pornhub Is Urging Tech Giants to Enact Device-Based Age Verification https://www.wired.com/story/pornhub-is-urging-tech-giants-to-enact-device-based-age-verification/ Coinbase said to launch Kalshi-powered prediction market https://seekingalpha.com/news/4524123-coinbase-said-to-launch-kalshi-powered-prediction-market Against The Rules podcast https://www.pushkin.fm/podcasts/against-the-rules * Episode 4: "A Hard Way to Make an Easy Living" — explores how sports betting worked before legalization, the betting sharps, and differences between old-school versus online gambling.   * Episode 7: "Little Big Short" — discusses restrictions on online sportsbooks (for example in California), featuring perspectives from pastors, Native Americans, and short-sellers.   * Episode 8: "The Integrity Landscape" — covers how betting based on inside information hasn't gone away, and the problems this raises for athletes — especially in college sports.   * Episode 10: "Anybody Can Win, but Everybody's Gonna Lose…" — looks at online gambling and the risks to individuals, especially younger people; includes reflection by the host on protecting his son from gambling's lure. " WhatsApp security flaw exposed 3.5B phone numbers – including yours https://9to5mac.com/2025/11/18/whatsapp-security-flaw-exposed-3-5b-phone-numbers-including-yours/ "Wanna bet? Online prediction markets wager that you will" - CBS Sunday Morning https://www.youtube.com/watch?v=iGx-kqf_840 Guests: Web Bixby has been in the insurance business for 40 years and has been an Apple user for longer than that.You can catch up with him on Facebook, Twitter, and LinkedIn, but prefers Bluesky. Eric Bolden is into macOS, plants, sci-fi, food, and is a rural internet supporter. You can connect with him on Twitter, by email at embolden@mac.com, on Mastodon at @eabolden@techhub.social, on his blog, Trending At Work, and as co-host on The Vision ProFiles podcast. Brian Flanigan-Arthurs is an educator with a passion for providing results-driven, innovative learning strategies for all students, but particularly those who are at-risk. He is also a tech enthusiast who has a particular affinity for Apple since he first used the Apple IIGS as a student. You can contact Brian on twitter as @brian8944. He also recently opened a Mastodon account at @brian8944@mastodon.cloud. David Ginsburg is the host of the weekly podcast In Touch With iOS where he discusses all things iOS, iPhone, iPad, Apple TV, Apple Watch, and related technologies. He is an IT professional supporting Mac, iOS and Windows users. Visit his YouTube channel at https://youtube.com/daveg65 and find and follow him on Twitter @daveg65 and on Mastodon at @daveg65@mastodon.cloud. Dr. Marty Jencius has been an Associate Professor of Counseling at Kent State University since 2000. He has over 120 publications in books, chapters, journal articles, and others, along with 200 podcasts related to counseling, counselor education, and faculty life. His technology interest led him to develop the counseling profession 'firsts,' including listservs, a web-based peer-reviewed journal, The Journal of Technology in Counseling, teaching and conferencing in virtual worlds as the founder of Counselor Education in Second Life, and podcast founder/producer of CounselorAudioSource.net and ThePodTalk.net. Currently, he produces a podcast about counseling and life questions, the Circular Firing Squad, and digital video interviews with legacies capturing the history of the counseling field. This is also co-host of The Vision ProFiles podcast. Generally, Marty is chasing the newest tech trends, which explains his interest in A.I. for teaching, research, and productivity. Marty is an active presenter and past president of the NorthEast Ohio Apple Corp (NEOAC). Jim Rea built his own computer from scratch in 1975, started programming in 1977, and has been an independent Mac developer continuously since 1984. He is the founder of ProVUE Development, and the author of Panorama X, ProVUE's ultra fast RAM based database software for the macOS platform. He's been a speaker at MacTech, MacWorld Expo and other industry conferences. Follow Jim at provue.com and via @provuejim@techhub.social on Mastodon. Support:      Become a MacVoices Patron on Patreon      http://patreon.com/macvoices      Enjoy this episode? Make a one-time donation with PayPal Connect:      Web:      http://macvoices.com      Twitter:      http://www.twitter.com/chuckjoiner      http://www.twitter.com/macvoices      Mastodon:      https://mastodon.cloud/@chuckjoiner      Facebook:      http://www.facebook.com/chuck.joiner      MacVoices Page on Facebook:      http://www.facebook.com/macvoices/      MacVoices Group on Facebook:      http://www.facebook.com/groups/macvoice      LinkedIn:      https://www.linkedin.com/in/chuckjoiner/      Instagram:      https://www.instagram.com/chuckjoiner/ Subscribe:      Audio in iTunes      Video in iTunes      Subscribe manually via iTunes or any podcatcher:      Audio: http://www.macvoices.com/rss/macvoicesrss      Video: http://www.macvoices.com/rss/macvoicesvideorss

Today's markets lit up the precious-metals world, and we're breaking it all down. In this episode, we dive into the big surge in silver, gold, platinum, and more, and what's really driving the sudden momentum across the metals complex. But that's not all—JPMorgan just moved its entire metals-trading desk to Singapore. Why would one of the world's biggest market players shift operations halfway around the world? Regulatory pressure? Market opportunity? Strategic positioning? We'll dig into the institutional logic and what it may signal for global metals trading going forward. If you trade commodities—or just watch how capital flows shape markets—you'll want to hear this one. Listen now:

Restoring a 250-year-old farmhouse isn't just a renovation project. It's a blueprint for modern marketing.That's the lesson from Jean-Christophe Pitié, Chief Marketing and Chief Partner Officer at Contentsquare, who's spent the last five years bringing new life to a centuries-old home outside Paris. In this episode, we break down the marketing lessons hidden in his restoration journey.Together, we explore what B2B marketers can learn from blending heritage with innovation, finding creativity in constraints, and designing connected experiences where every touchpoint matters.About our guest, Jean-Christophe PitiéWith 20+ years of experience in international marketing and partner engagement, Jean-Christophe is committed to supporting companies of all sizes in their digital transformation. Passionate about technology and retail, he spent two decades at Microsoft, where he had the opportunity to contribute to the cloud transformation and to launch Microsoft 365 as well as leading Microsoft Stores. Today, as Chief Marketing and Partnerships Officer at Contentsquare, Jean-Christophe's main mission is to drive customer demand in markets around the world, continue to grow our rich partner ecosystem, and bring holistic customer experience insights to more teams worldwide.What B2B Companies Can Learn From the restoration of a French farmhouse:Honor your legacy while modernizing for today. Great brands, like great houses, balance tradition and innovation. Jean-Christophe explains, “I had architects who came initially, and they wanted to put glass everywhere, tear down some big stone walls, and I'm like, guys, this house has had oak beams for 250 years. I'm not gonna tear them down. I'm gonna keep them.” In B2B, the same logic applies. Your legacy, your history, and your customer trust are part of your brand's foundation. Don't tear them down for the sake of what's trendy. Blend your legacy with fresh, modern layers such as new tech, new storytelling, and new energy, without losing what made your brand distinct. That balance between the old and the new is what gives it lasting beauty and credibility.Constraints fuel creativity. Jean-Christophe says, “Sometimes the best projects come when… you have a constraint… either a location constraint or timing or budget, you get very creative to work around the constraints.” His farmhouse's three-foot-thick stone walls forced him to rethink how to add modern features, and that challenge sparked originality. In B2B, the same holds true. Limited budget? Shrinking timelines? Regulatory hurdles? These are the sparks for inventive ideas. Don't let your constraints kill creativity; let them focus it.Every touchpoint shapes the experience. When restoring a house, you have to look at the whole picture; every room, material, and detail needs to connect. Jean-Christophe shared, “It's a bit like your marketing strategy. You need to connect across channels… every touchpoint matters.” Just like a home's design must flow seamlessly from one room to the next, so should your brand experience, across your website, content, product, and sales. Inconsistent moments break trust. When every touchpoint feels connected and intentional, you turn friction into flow, and customers into believers.Quote“History is part of who we are, human beings… It's beautiful… It's like a brand. When you think about brand, you want something that's unique, differentiated, [and] people can relate to, which is so beautiful.”Time Stamps[00:55] Meet Jean-Christophe Pitié, Chief Marketing and Chief Partner Officer at Contentsquare[01:04] Jean-Christophe's French Farmhouse Restoration Project[04:38] Balancing Tradition and Innovation in Restoration Projects[13:56] Creative Solutions and Constraints in Restoration[21:30] Importance of Legacy[26:51] B2B Marketing Lessons from Restoring a French Farmhouse[38:30] Innovations at Content Square[43:33] Advice for CMOs on Investing in Brand[45:45] Final Thoughts and TakeawaysLinksConnect with Jean-Christophe on LinkedInLearn more about ContentsquareAbout Remarkable!Remarkable! is created by the team at Caspian Studios, the premier B2B Podcast-as-a-Service company. Caspian creates both nonfiction and fiction series for B2B companies. If you want a fiction series check out our new offering - The Business Thriller - Hollywood style storytelling for B2B. Learn more at CaspianStudios.com. In today's episode, you heard from Ian Faison (CEO of Caspian Studios) and Meredith Gooderham (Head of Production). Remarkable was produced this week by Jess Avellino, mixed by Scott Goodrich, and our theme song is “Solomon” by FALAK. Create something remarkable. Rise above the noise. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The Annual Regulatory Oversight Report is one of FINRA's most valued resources for member firms—and this year, we're publishing it earlier than ever in response to member feedback. The 2026 Report features insights on cyber-enabled fraud, senior investor protection, generative AI, and much more. It also reflects our FINRA Forward commitment to empowering member firm compliance by sharing intelligence from across our Regulatory Operations.This episode features four FINRA leaders: Ornella Bergeron, Senior Vice President, Risk Monitoring, and Acting Head of Member Supervision; Bill St. Louis, Executive Vice President and Head of Enforcement; Feral Talib, Executive Vice President and Head of Market Oversight; and Bryan Smith, Senior Vice President and Acting Head of Strategic Intelligence. They discuss takeaways from the report, and how firms can leverage its effective practices and research to strengthen their compliance programs.Resources mentioned in this episode:2026 Regulatory Oversight ReportFINRA ForwardFINRA Crypto and Blockchain Education ProgramBlog Post: FINRA Forward's Rule Modernization—An UpdateBlog Post: Vendors, Intelligence Sharing and FINRA's MissionBlog Post: FINRA Forward Initiatives to Support Members, Markets and the Investors They ServeSEC Regulation Best Interest (Reg BI)5310. Best Execution and InterpositioningEp. 168: Investing Wisely in 2025: Avoiding Scams and Achieving Your Financial GoalsEp. 173: Vendor Vigilance: Navigating Third-Party RiskEp. 177: Previewing FINRA's Crypto and Blockchain Education ProgramEp. 180: Building Cybersecurity Resilience Through FINRA Forward Find us: LinkedIn / X / YouTube / Facebook / Instagram / E-mailSubscribe to our show on Apple Podcasts, Google Play and by RSS.

Anyone who has been working within the scope of hospital case/utilization management for any period of time has heard of the Centers for Medicare and Medicaid Services (CMS) Conditions of Participation.But are you familiar with the CMS Conditions for Coverage?  Sometimes referred to as “conditions of payment,” these requirements must be met in order for federal health plans to pay a healthcare facility for a submitted claim.Welcome to the live edition of Talk Ten Tuesday, Dec. 9, 10 Eastern. That's when Dr. Juliet Ugarte Hopkins, Chief Medical Officer for Phoenix Medical Management, Inc., will explain how failure to meet some aspects of the CoPs doesn't mean there is a failure in Conditions for Coverage (CfC).The broadcast will also feature these instantly recognizable panelists, who will report more news during their segments:Social Determinants of Health: Tiffany Ferguson, CEO for the aforementioned Phoenix Medical Management, Inc., will report on the news that is happening at the intersection of medical record auditing and the SDoH.CDI Report: Cheryl Ericson, Senior Director of Clinical Policy and Education for the vaunted Brundage Group, will have the latest CDI updates.The Coding Report: Christine Geiger, Assistant Vice President of Acute and Post-Acute Coding Services for First Class Solutions, will report on the latest coding news.News Desk: Timothy Powell, ICD10monitor national correspondent, will anchor the Talk Ten Tuesdays News Desk.MyTalk: Angela Comfort, veteran healthcare subject-matter expert, will co-host the broadcast. Comfort is the Assistant Vice President of Revenue Integrity for Montefiore Health.

David Gokhman of the Weizmann Institute of Science explores how changes in gene regulation shaped recent human evolution. His team used massively parallel reporter assays in skeletal and neural cells to test 71,443 genetic variants that distinguish Neanderthals and Denisovans from modern humans, building a catalog that reveals hundreds of noncoding variants that alter gene expression. The work uncovers evolutionary trends and examples of convergent evolution, including an enhancer of KDM8, a gene involved in tumor progression, that was completely silenced in both archaic and modern human lineages through different mechanisms: motif disruption in Neanderthals and Denisovans, and hypermethylation in modern humans. Gokhman also introduces a way to reconstruct anatomical profiles from DNA sequence and methylation, using it to model Denisovan anatomy and scan the fossil record. The results suggest that the Harbin and Dali fossils were likely Denisovans, while Kabwe may have been related to the ancestor of Neanderthals and Denisovans, helping to clarify the regulatory changes underlying human evolution. Series: "CARTA - Center for Academic Research and Training in Anthropogeny" [Science] [Show ID: 41195]

Good morning from Pharma Daily: the podcast that brings you the most important developments in the pharmaceutical and biotech world. Today, we delve into a series of compelling advancements and challenges that are shaping this dynamic industry.Pfizer has recently unveiled phase 3 results for its hemophilia drug Hympavzi, positioning it as a formidable competitor against Sanofi's Qfitlia and Novo Nordisk's Alhemo. The data suggests Hympavzi offers robust efficacy, potentially revolutionizing hemophilia treatment and enhancing patient outcomes significantly. This development is not just about competition; it represents a critical stride forward in patient care for those affected by this debilitating condition.UCB plans to seek regulatory approval for Fintepla to treat an additional epileptic disorder following positive phase 3 trial results in patients with CDKL5 deficiency disorder. This decision reflects promising results and could offer new hope to patients with limited treatment options, further cementing Fintepla's position in epilepsy management.Gene therapy continues to shine with CSL's Hemgenix demonstrating sustained long-term benefits. After five years of follow-up, a single dose has reduced annualized bleeding rates by an impressive 90% in hemophilia B patients within the Hope-B study. Such long-term efficacy highlights gene therapy's transformative potential, offering lasting improvements in quality of life for patients with genetic disorders.Regulatory frameworks are also evolving, as evidenced by the CDC's Advisory Committee on Immunization Practices (ACIP) voting to modify hepatitis B vaccine guidance for newborns. This decision advocates an individualized approach, sparking debate over vaccination strategies, which reflects the complexities and delicate balance required in public health policies today.Regeneron is making strides to simplify treatment regimens for T-cell engagers Lynozyfic and Ordspono. By reducing regimen complexity, they aim to improve patient compliance and expand access, thus enhancing the potential impact on cancer care—a crucial step toward broader therapeutic accessibility.In an effort to address cost barriers and stimulate domestic production of generics, Mark Cuban has proposed lowering FDA fees. This proposal highlights ongoing discussions around regulatory reforms needed to boost generics manufacturing in the United States. Such initiatives align with broader industry goals of increasing access to affordable medications.Despite these advancements, industry insiders have expressed concerns about "unprecedented turmoil" within the FDA. These challenges underscore the critical role of stable leadership in maintaining public trust and ensuring effective regulation amidst rapid scientific progress.Obesity treatments are gaining significant attention as companies like Wave Life Sciences and Structure Therapeutics report promising data, capturing increased investor interest. This trend underscores a growing focus on innovative pharmacological approaches to address obesity—a complex, multifactorial condition that affects millions globally.The strategic landscape of cancer diagnostics is also evolving, as evidenced by Natera's acquisition of Foresight Diagnostics. This deal underscores ongoing industry consolidation efforts aimed at enhancing technological capabilities and expanding market presence—a testament to the critical role diagnostics play in comprehensive cancer care strategies.As we observe these developments, it's clear that scientific innovation coupled with strategic regulatory maneuvers is shaping the future of healthcare. These advancements offer profound implications for patient care, providing new hope through advanced therapies while highlighting the importance of effective regulation and strategic partnerships.Precision medicine continues to extend beyond oncology into fields like cardiometabolic and neSupport the show

David Gokhman of the Weizmann Institute of Science explores how changes in gene regulation shaped recent human evolution. His team used massively parallel reporter assays in skeletal and neural cells to test 71,443 genetic variants that distinguish Neanderthals and Denisovans from modern humans, building a catalog that reveals hundreds of noncoding variants that alter gene expression. The work uncovers evolutionary trends and examples of convergent evolution, including an enhancer of KDM8, a gene involved in tumor progression, that was completely silenced in both archaic and modern human lineages through different mechanisms: motif disruption in Neanderthals and Denisovans, and hypermethylation in modern humans. Gokhman also introduces a way to reconstruct anatomical profiles from DNA sequence and methylation, using it to model Denisovan anatomy and scan the fossil record. The results suggest that the Harbin and Dali fossils were likely Denisovans, while Kabwe may have been related to the ancestor of Neanderthals and Denisovans, helping to clarify the regulatory changes underlying human evolution. Series: "CARTA - Center for Academic Research and Training in Anthropogeny" [Science] [Show ID: 41195]

David Gokhman of the Weizmann Institute of Science explores how changes in gene regulation shaped recent human evolution. His team used massively parallel reporter assays in skeletal and neural cells to test 71,443 genetic variants that distinguish Neanderthals and Denisovans from modern humans, building a catalog that reveals hundreds of noncoding variants that alter gene expression. The work uncovers evolutionary trends and examples of convergent evolution, including an enhancer of KDM8, a gene involved in tumor progression, that was completely silenced in both archaic and modern human lineages through different mechanisms: motif disruption in Neanderthals and Denisovans, and hypermethylation in modern humans. Gokhman also introduces a way to reconstruct anatomical profiles from DNA sequence and methylation, using it to model Denisovan anatomy and scan the fossil record. The results suggest that the Harbin and Dali fossils were likely Denisovans, while Kabwe may have been related to the ancestor of Neanderthals and Denisovans, helping to clarify the regulatory changes underlying human evolution. Series: "CARTA - Center for Academic Research and Training in Anthropogeny" [Science] [Show ID: 41195]

David Gokhman of the Weizmann Institute of Science explores how changes in gene regulation shaped recent human evolution. His team used massively parallel reporter assays in skeletal and neural cells to test 71,443 genetic variants that distinguish Neanderthals and Denisovans from modern humans, building a catalog that reveals hundreds of noncoding variants that alter gene expression. The work uncovers evolutionary trends and examples of convergent evolution, including an enhancer of KDM8, a gene involved in tumor progression, that was completely silenced in both archaic and modern human lineages through different mechanisms: motif disruption in Neanderthals and Denisovans, and hypermethylation in modern humans. Gokhman also introduces a way to reconstruct anatomical profiles from DNA sequence and methylation, using it to model Denisovan anatomy and scan the fossil record. The results suggest that the Harbin and Dali fossils were likely Denisovans, while Kabwe may have been related to the ancestor of Neanderthals and Denisovans, helping to clarify the regulatory changes underlying human evolution. Series: "CARTA - Center for Academic Research and Training in Anthropogeny" [Science] [Show ID: 41195]

Yogev Debbi and Prof Avi Schroeder (Technion Israel Institute of Technology), co-founded Mana bio along with Dr. Kira Radinsky and Roy Nevo. They are leveraging data, machine learning and high throughput screening to design novel Lipid NanoParticles for targeted extrahepatic delivery of nucleic acid therapeutics and vaccines. Lipid nanoparticles are microscopic fatty bubbles that deliver genetic medicines into your cells—think of them as the FedEx trucks of molecular biology. Remember the mRNA vaccines that saved millions during COVID? They used lipid nano particles as the delivery vehicle.. The little secret behind those vaccines is that we got lucky. Those lipid nanoparticles worked beautifully for the liver and immune system. But if you try to deliver RNA to your brain, your lungs, or a tumor, those would be a massive failure! Scientists are still running thousands of experiments hoping to stumble onto the right formulation. This actually was my postdoc work as well, which makes this episode very special. I always wished there was a better way to design these delivery vehicles—and that's exactly what today's guests have built with AI." We talk about how they founded and currently building Mana Bio- a big part around how biologists and chemists can interact with technologists, especially data and AI geeks to build something important. Their story provides a great framework for scientists and tech folks to work together. Shownotes: https://www.mana.bio/ How Avi got started using data/AI to design LNPs Optimizing LNP formulations targeting different organs Working with Bob Langer and Dan Anderson @MIT Yogev transitioning to gene editing Defining the problem & cross disciplinary conversations and projects Language that helps interactions between scientists and software/AI folks Deepdive into the platform- building data sets Data scraping, validation, improvisation, new data generation (both positive and negative data) Cleaning data and normalization Work in the wet lab: 'I trust my colleagues and believe data can be replicated" Data moats: Proprietary data vs public data Daily routine in the lab and interactions with the data/AI team Cross Functional dynamics Scientists trying to save money vs optimizing for more valuable time Lab hypothesis predictions vs AI predictions: competitive spirit Factoring in errors by the machines and humans Business model: Building customized solutions for drug delivery Potentially becoming a pharma company Regulatory affairs Fears that keep them up Dynamics of a diverse founding team: Roy Nevo and Dr. Kira Radinsky (the other two co founders) Message to academia: "Publish more data- including failures. This will accelerate science" Omri Drory, Kira Radinsky https://www.youtube.com/watch?v=y5hX3vq3iNk

Linktree: ⁠https://linktr.ee/Analytic⁠Join The Normandy For Additional Bonus Audio And Visual Content For All Things Nme+! Join Here: ⁠https://ow.ly/msoH50WCu0K⁠Dive into the seismic Netflix-Warner Bros. Discovery deal reshaping streaming in this Analytic Dreamz segment on Notorious Mass Effect. The $72 billion acquisition merges Netflix's 300M subscribers with HBO Max's 130M, targeting 430M global users—possibly $83B including debt. Set for Q3 2026 close, it requires spinning off CNN, Discovery Channel, TBS, and TNT.Netflix scores powerhouse IPs: Batman, Superman, Wonder Woman, Harry Potter, Game of Thrones, The Sopranos, and classics like Casablanca, Citizen Kane. Columbia Business School's Kathryn Harrigan praises the unmatched library. HBO Max stays separate—no subscriber shifts yet—but co-CEO Gregory Peters signals post-close bundles, tiering, and integration amid overlap.Price hikes expected in 12-18 months. Regulatory hurdles mount: Sen. Elizabeth Warren calls it an 'anti-monopoly nightmare'; Trump administration skeptical per CNBC. Paramount-Skydance ($8.4B bid) and Comcast challenge, citing dominance risks. SAG-AFTRA warns of creative workforce threats. CEO Ted Sarandos defends: pro-consumer, pro-innovation, pro-worker, expanding choice.Warner films keep theatrical runs. Netflix also seals $1B Fort Monmouth acquisition for 12 soundstages, 500K sq ft production by 2028. Sarandos-Trump meetings add intrigue. $5.8B breakup fee if failed. Bids beat $28/share. This rivals Disney-Fox, building history's largest streaming empire. Analytic Dreamz delivers the essential analysis.Support this podcast at — https://redcircle.com/analytic-dreamz-notorious-mass-effect/donationsPrivacy & Opt-Out: https://redcircle.com/privacy

Jeff Smith and Carson Odegard sit down with Mark Regalbuto, CEO of MIGRA Ammunition, for a straight-shooting talk on California waterfowling and the nuts and bolts of building precision shotshells. They cover why California is richer duck country than most folks realize—ocean to marsh to rice—and how public-land access shapes the hunt. They also dig into navigating California ammo regulations, COVID-era growth, sustainability trends like biodegradable components, and where MIGRA sees innovation and partnerships heading next.What you'll hearCalifornia, underrated and accessible — from salt to rice, there's “a little bit of everything” on public ground.Regulatory reality — the extra hoops to sell and distribute ammo in-state, and why folks hope those rules don't go national.Scaling through the surge — how COVID demand impacted MIGRA's operations.Greener components — where biodegradable wads/cases are now and what could make them mainstream.Roadmap & relationships — waterfowl loads, crossover ideas, and how a boutique brand partners in a crowded market.CWA partnership — closing thanks and a welcome to MIGRA as a new corporate supporter of California Waterfowl.

Welcome to Go Gaddis Real Estate Radio! I'm Cleve Gaddis—here to make real estate clear, simple, and worry-free so you can buy and sell your home with total confidence and without the fear or confusion that often come with life's biggest investments. Today we're breaking down a headline making waves across the real estate and mortgage world: President Trump's proposal for a 50-year mortgage as a tool to boost housing affordability. Joining me is Expert Advisor Matthew Scout, Vice President and Executive Mortgage Loan Originator with Southeast Mortgage, to discuss whether this new loan term would help buyers—or put them at greater financial risk. We'll cover the key points outlined in today's attached script, including: Lower monthly payments — and why they aren't the whole story Total interest costs — possibly twice as much over the life of the loan Home price pressure — could longer terms push prices even higher? Regulatory hurdles — new federal legislation required to make it legal Risk exposure — what lenders and consumers stand to gain or lose Is the 50-year mortgage a pathway to affordability—or just a longer road to more debt? Matthew and I will unpack the realities behind the proposal so you understand how it could impact you, your budget, and the broader housing market. We'll also share details about our Upside Program, designed to give buyers and sellers all the options they need to succeed in today's changing market. Have a question, want to challenge something you hear, or want your topic featured? Visit GoGaddisRadio.com to connect or subscribe.

Join us for a deep dive into all things gut health with Christina Beer, Sr. Research Scientist, and Lisa Barnes, VP of R&D and Regulatory. In this episode, they break down why your gut plays such a pivotal role in overall wellness, what throws it out of balance, and the simple steps you can take to keep it functioning at its best. *This statement has not been evaluated by the Food and Drug Administration. This product is not intended to diagnose, treat, cure, or prevent any disease.

For years, federal audit contractors have treated statistical extrapolation as the unassailable engine driving massive overpayment demands. The premise sounds reasonable enough: review a small sample of claims, calculate an error rate, and multiply across the entire population to produce a "statistically valid" overpayment figure.In a perfect world, this approach might hold up. But healthcare isn't a perfect world. It's a domain where coding is inherently subjective, documentation varies dramatically by provider, and even seasoned experts routinely disagree on the same chart. In this environment, extrapolation doesn't multiply truth—it amplifies uncertainty. Join us Monday during the long-running Monitor Monday when senior healthcare analyst Frank Cohen returns to the broadcast to debunk long-held beliefs regarding auditing, auditors and extrapolation. Broadcast segments will also include these instantly recognizable features:·      Monday Rounds: Ronald Hirsch, MD, vice president of R1 RCM, will be making his Monday Rounds. ·      The RAC Report: Healthcare attorney Knicole Emanuel, partner at the law firm of Nelson Mullins, will report the latest news about auditors. ·      Legislative Update: Cate Brantley, legislative affairs analyst for Zelis, will report on the news happening at the intersection of healthcare and congressional action.·      Risky Business: Healthcare attorney David Glaser, shareholder in the law offices of Fredrikson & Byron, will join the broadcast with his trademark segment.

In this episode, Kyle S delivers an emergency news update on Netflix's acquisition of Warner Brothers Studios, HBO, and HBO Max for $82.7 billion. This monumental deal reshapes the entertainment landscape, merging Netflix's streaming dominance with Warner Brothers' iconic IPs like DC Comics and Harry Potter. Takeaways Netflix acquires Warner Brothers Studios, HBO, and HBO Max. The deal is valued at $82.7 billion. This acquisition reshapes the entertainment landscape. Netflix merges streaming dominance with iconic IPs. Warner Brothers' iconic IPs include DC Comics and Harry Potter. The merger faces regulatory scrutiny and shareholder approval. Netflix pledges to maintain Warner Brothers' operations until 2029. The deal accelerates Hollywood's shift to digital-first distribution. Potential impacts on creativity and content diversity are discussed. The merger could lead to significant industry changes. Sound bites Netflix acquires Warner Bros for $82.7B. Warner Bros and HBO join Netflix. Streaming landscape reshaped by Netflix's acquisition. Netflix merges with Warner Bros' iconic IPs. Regulatory scrutiny for Netflix's acquisition. Netflix pledges to maintain Warner Bros' operations. Hollywood's shift to digital-first distribution. Impact on creativity and content diversity. Significant industry changes expected. Netflix's strategic acquisition of Warner Bros. Chapters 00:00:00 - Introduction and Emergency News Update 00:01:00 - Details of Netflix's Acquisition   00:02:00 - Impact on the Entertainment Industry  

In this episode of This Week in AML, Elliot Berman and John Byrne unpack a pile of developments across the globe. From the EU's decision to add Russia to its AML blacklist and phase out Russian gas imports, to major enforcement action against a crypto mixer, the conversation dives deep into the evolving financial crime landscape. They also cover Canada's updated guidance on politically exposed persons, U.S. alerts on cross-border transfers, OCC's changes for community banks, and a surprising OFAC penalty tied to real estate sanctions. Plus, insights on humanitarian access challenges and upcoming year-in-review discussions. Stay informed on what's shaping compliance and risk management today.

Jeremy Steading from 1836 Kratom & Steading & Sons comes on the program to talk with Russell about industry and Regulatory challenges that we face during the 2025 state legislative session as well as the government shutdown results in Washington for alternative products and the Hemp industry. Leave comments below. Blazed & Boozed After Party Champs Week at Shiner Saloon Tuesday 20th January. Gummy Challenge is next month - Blazed@blazednews.com to submit your Gummy brand with your magazine display Ad. 

In this episode of Builders Bench, Tim Brookman discusses various projects within the Cardano ecosystem, focusing on the practical applications of blockchain technology. He emphasizes the importance of starting with use cases rather than technology, particularly in identity solutions and asset tokenization. The conversation delves into the regulatory challenges faced in Germany, the significance of compliance, and the future of identity management in the blockchain space. Tim also highlights the potential of tokenizing gold and other assets, aiming to create a sustainable ecosystem on Cardano that attracts institutional investors.TakeawaysBlockchain should start with use cases, not technology.Identity solutions are crucial for user adoption.Tokenization of assets can revolutionize investment.Compliance is essential for building trust.Gold can serve as a stable asset in crypto.Regulatory challenges are significant but necessary.Building a sustainable ecosystem requires collaboration.Institutional investors are key to market growth.Transparency and trust are vital in blockchain projects.The future of identity management is evolving with technology.Chapters00:00 Introduction to Blockchain Use Cases03:01 Identity Solutions and Regulatory Challenges06:12 Tokenization of Assets and Gold08:53 Finest and Institutional Partnerships11:57 Navigating Compliance and Regulations15:07 The Future of Identity and Trust in Blockchain17:48 Building a Sustainable Ecosystem on Cardano21:02 Conclusion and Future ProspectsDISCLAIMER: This content is for informational and educational purposes only and is not financial, investment, or legal advice. I am not affiliated with, nor compensated by, the project discussed—no tokens, payments, or incentives received. I do not hold a stake in the project, including private or future allocations. All views are my own, based on public information. Always do your own research and consult a licensed advisor before investing. Crypto investments carry high risk, and past performance is no guarantee of future results. I am not responsible for any decisions you make based on this content.

The short-term rental market is entering a new phase — one where stability, not volatility, is driving the biggest changes. In this fireside chat from the Data & Revenue Management Conference, Jamie Lane joins Simon Lehmann and Pedro Borges to break down the real signals behind 2025's “steady state” and what it means for hosts and managers heading into 2026. This isn't a hype-filled projection; it's a data-backed look at supply slowdowns, shifting guest behavior, and how professionalization continues to reshape the competitive landscape.From the K-shaped performance split between luxury and mid-market listings to the growing influence of OTA ranking systems, the conversation highlights why outperforming your market now depends less on macro tailwinds — and more on operational sharpness. Jamie and Pedro dig into pricing challenges, the emerging STR-to-midterm pivot in major cities, and how rising owner expenses like taxes and insurance are reshaping what “profitability” even means. If you want a grounded, unfiltered view of where the industry is actually heading, this episode delivers it.For STR operators planning their next move, this is essential listening. You don't want to miss this episode!Key TakeawaysStability requires strategy: With occupancy flat and supply growth at historic lows, 2025–2026 will be a competition for share, not an automatic lift.Quality gaps matter: Listings with sub-4.7 ratings are shrinking fastest as OTAs elevate top-tier properties and push weaker performers to page two and beyond.Profitability is the real KPI: Rising insurance and property taxes mean managers must understand — and communicate — homeowner-level financial realities.Luxury grows, mid-market squeezes: The K-shaped recovery continues, rewarding high-end supply while challenging budget and mid-tier operators.Midterm strategies surge: Regulatory pressure and seasonality are accelerating the blend of STR and midterm stays, especially in cities like NYC, Denver, and LA.Sign up for AirDNA for FREE

In a time when organizations are navigating generational change, evolving leadership expectations, and shifting workforce dynamics, cooperative boards have a unique opportunity to lead differently, anchored in values, purpose, and shared ownership. This episode of the Forward Thinking Podcast features FCCS SVP of Marketing and Communications Stephanie Barton, Vice President of Organizational Development for FCCS Jay Lux, and Angie Coleman, Organizational Development Consultant with FCCS. Their conversation centers around director strategies for connecting with the spirit of cooperative identity so that every choice made in the boardroom strengthens both the organization and the people it serves.    Episode Insights Include:   What makes cooperative governance distinct? The cooperative structure is made up of the members, for the members.  Decisions made by the board directly impact those whom it serves.  Boards include member-owners of the organization.  Cooperative governance starts with member benefits, not shareholder return.  Decisions are made with and for the people that the board serves.  Cooperatives exist to create value with their people.    The future of cooperative boards As businesses grow in complexity, cooperative boards offer insights into how to best serve their members.  Shifting workforce and generational shifts are aligned with what cooperatives value.  Board focus is shifting toward what really matters to employees today.  The collaborative nature of how organizations are structured and governed is revealing.  Key differentiators between corporate and collaborative structures benefit the patrons of the cooperative, rather than the owners.  Cooperatives exist to create value with their people. These principles matter in today's current landscape more than ever before.    Three leadership challenges that cooperatives address Employees are distrustful of organizations that value profit over people.  The triple bottom line affects consumer and employee decision making.  Workforce expectations have shifted toward what the cooperative structure offers.  The cooperative model is uniquely positioned toward employee expectations.  Performance and purpose are effectively addressed by the cooperative model.   Board decision-making principles in the cooperative model  All seven cooperative model principles may show up in the boardroom at any given time Cooperative boards are focused on long-term viability of the business, and ultimately, the member-owner. Annual returns are positively impacted by the cooperative model.  These principles are the foundation for the structure and purpose of the institution.    Employee engagement and good governance Employees today expect transparency, participation, and purpose.  Employees want to know the why behind decision making.  High-performing teams have clear expectations, visibility, and effective feedback loops.  When people understand the why, the don't just buy-in, they believe-in. Board decisions need to reflect employee needs. Respectful dissent in the boardroom is addressing conflict done well.  Healthy conflict requires getting curious and asking clarifying questions.    Shifting governance expectations in the face of leadership transitions and increased complexity Demographic changes for management transitions with the new generation.  Growing organization size creates new complexities. Technology advancements are regular conversations in today's boardroom  Businesses are run of people, by people.  Regulatory landscape requirements have made business operations increasingly challenging.  Individual expertise must be balanced with collective decision making at the board level.    Effective board and management collaboration and education Preliminary preparation is essential for effective conversations.  Engage in robust debate about ideas, not individuals.  The executive session is a powerful tool for meaningful board discussions. When in doubt, bring in a subject matter expert.  Directors have a responsibility to build regular learning into the boardroom.  Annual board performance reviews are essential.  Succession planning should be embedded throughout the boardroom culture.    This podcast is powered by FCCS.   Resources   Connect with Jay Lux — Jay Lux   Connect with Angie Coleman — Angie Coleman   Get in touch   info@fccsconsulting.com   "Cooperative governance starts with member benefits, not shareholder return." — Angie Coleman   "Cooperative boards are focused on long-term viability of the business, and ultimately, the member-owner, not just the profit of the cooperative institution itself." — Jay Lux   "When people understand the why, the don't just buy-in, they believe-in." — Angie Coleman   "In the cooperative model, it's not optional to have a voice. It's part of the cooperative principle." — Angie Coleman

Regulations, Water Challenges, and the 2026 Outlook: Roger Isom on the AgNet News Hour In this Thursday edition of the AgNet News Hour, Nick Papagni and Lorrie Boyer sit down with Roger Isom, a leading voice in California agriculture. The conversation covers critical challenges and opportunities for growers, including regulatory pressures, water scarcity, rising energy costs, and strategies for advocacy heading into 2026. Advocacy and Grassroots Engagement Active participation in agriculture advocacy is essential. Growers and farm suppliers are encouraged to engage with legislators and county supervisors. Joining industry organizations strengthens collective influence: Western Tree Nut Association (WTNA): wtna.org California Cotton Ginners and Growers Association (CCGGA): ccgga.org 2026 is an election year—growers need to be heard in policy and voting decisions. Regulatory Challenges Rodenticide restrictions: Proposed DPR rules may limit usage, affecting food safety and crop protection. Sustainable pest management: Phase-out of priority pesticides by 2050 raises concerns about balanced advisory representation. Automation hurdles: Driverless tractors face restrictions under OSHA rules, despite driverless cars operating freely. Increasing paperwork burdens take time away from actual farming. Water, Energy, and Affordability Pressures Groundwater restrictions are enforced ahead of SGMA 2040 benchmarks. Funding gaps prevent critical infrastructure development for water conveyance and storage. Rising PG&E rates threaten farm operations: Proposed 27% electricity hike California agricultural rates up to 3x higher than Texas Solar payback periods under NEM 3.0 now nearly 20 years. The Future of California Agriculture Population loss and migration of growers to states like Texas and Idaho. Regulatory and energy burdens threaten long-term agricultural viability. Advocacy, voter engagement, and unified industry action are critical to protecting California agriculture. Wine Industry Insights Younger generations are drinking less wine due to cost, health, lifestyle, and cannabis alternatives. Wine marketing must emphasize storytelling, tasting experiences, and approachable options. Sampling and education about varietals, winemakers, and history can grow consumer appreciation. In today's episode of the AgNet News Hour, host Nick Papagni (The Ag Meter) and co-host Lorrie Boyer wrapped up a lively discussion on the changing landscape of wine consumption and what the wine industry can do to engage new generations of drinkers. Younger Consumers: Price, Health, and Lifestyle Drive Decisions Lorrie explained that younger adults are drinking less wine for several reasons—cost being a major factor. Many prioritize health, career, or school, while others prefer non-alcoholic beverages now trending in breweries and restaurants. She noted that wineries may need to expand into non-alcoholic options, just as beer companies have. Experience Over Alcohol: What Today's Drinkers Want Nick and Lorrie agreed that modern consumers focus more on experiences than alcohol volume. Craft cocktails, tasting-room visits, and curated beverage moments continue to capture interest. At the same time, the overwhelming number of wine choices can intimidate new drinkers, especially when bottle prices are high. The Value of Tasting and Storytelling Lorrie shared her personal love for wine tasting—trying small pours, exploring Cabernet and Zinfandel, and discovering new favorites based on food, mood, and weather. She emphasized that winery visits are about more than wine: Meeting the winemaker Learning the history Hearing the story behind each bottle Nick added that “every bottle has a story,” underscoring why wine remains a unique and powerful part of agriculture. Wrapping Up Nick and Lorrie closed the episode with excitement for upcoming holiday-themed content and encouraged listeners to return tomorrow for more ag news, insights, and seasonal fun. Listeners can find additional information, connect on social media, and subscribe to podcasts through AgNetWest.com.

At the Fall '25 vCon Conference, Doug Green, Publisher of Technology Reseller News, sat down with Rebekah Johnson, Founder & CEO of Numeracle, for a timely and urgent discussion on the escalating global fraud crisis and the role identity must play in restoring trust to communications. Johnson, a long-time industry leader on identity assurance, shared insights from her panel on “the state of fraud,” which revealed troubling trends despite industry-wide mitigation efforts. Johnson explains that while robocalls may be declining, fraud itself is surging due to increasingly sophisticated tactics and AI-enabled targeting. “Despite all these mitigation efforts, we actually have a declining situation, not an improving situation,” she notes. Bad actors are using fewer touchpoints and more advanced tools, turning communications channels into highly efficient conduits for financial theft, often to fund organized crime, trafficking, and even hostile state activities. Central to Johnson's message is the need to bring Know Your Customer (KYC) principles into communications—just as the banking industry has done for decades. Without verified identity, she argues, consumers remain vulnerable. “If you're going to get access to communications… there should be a verification process to ensure you are who you say you are,” she says, emphasizing that transparency and verifiable identity are essential to helping consumers make safe choices. Regulatory momentum is building: the FCC's proposed rulemakings touch directly on identity delivery and KYC requirements. But Johnson warns that progress will hinge on implementation by carriers, who face technical burdens without clear financial incentives. Still, she sees identity adoption as inevitable—especially with AI now eroding human ability to distinguish real from synthetic interactions. AI itself, she says, will accelerate the need for digital credentials tied to trustworthy identity. As the conversation turns to Numeracle's mission, Johnson highlights the company's role in protecting enterprise communication channels from being mislabeled as fraud or spam, enabling hospitals, universities, financial institutions, and brands to reach customers reliably. Numeracle also supports UCaaS and CPaaS providers seeking to protect customer reputations across the network. Despite the alarming fraud statistics—estimated in the hundreds of billions—Johnson remains optimistic. “It's not doomsday,” she says. “I'm excited about the future and the role our engineers will play in it.” To learn more about Numeracle's identity and reputation protection services, visit https://www.numeracle.com/.

PREVIEW — Joseph Sternberg — The Failure of the "Brussels Effect." Joseph Sternberg of the Wall Street Journalcritiques the "Brussels Effect," a regulatory theory positing that heavy European Union regulatory standards would enable European companies to achieve competitive advantage through compliance-driven market dynamics. Sternbergcharacterizes this strategic approach as "total nonsense," demonstrating that EU regulatory frameworks have systematically stifled the growth of major technology startups and innovative enterprises compared to the dynamism of Silicon Valley, producing technological and economic underperformance. Sternberg reports that Brussels officials are gradually accepting this uncomfortable reality and reconsidering the regulatory framework's strategic efficacy. 1884 BRUSSELS

2/4. Politics vs. Markets: The Failures of Incentivized Climate Solutions — Terry Anderson (Editor) — Andersondiscusses adaptation barriers, noting that regulatory frameworks systematically impede Alaskan Native Villages'traditional ecological knowledge and adaptive ingenuity. Anderson critiques incentivized climate solutions, particularly carbon taxation schemes, arguing they fail fundamentally due to political polarization driven by the perverse incentive structure ("don't tax me, tax them"). Anderson advocates instead for market-driven responses that empower consumers as decision-makers, catalyzing genuine adaptation outcomes, including strategic crop relocation and agricultural practice modification in response to changing environmental conditions. 1838

AI Regulation: The Danger of Fear and the Need for a National Framework — Kevin Fraaser — Fraser critiques the regulatory rush surrounding AI, faulting the EU's approach to establishing guardrails based on "speculative fears" rather than documented harms. He warns against allowing "robophobia"—unfounded fear of artificial intelligence—to drive policy, advocating instead for regulatory focus on beneficial applications including healthcare diagnostics and educational access. Fraaser advocates for a unified U.S. regulatory framework to prevent a fragmented patchwork of state laws and excessive litigation that stifles technological innovation. 1930