Podcasts about Risk

An estimated 500,000 people are diagnosed with Alzheimer's disease in the United States each year, but the causes and mechanisms of the condition remain a neurological mystery. A recent study looked at the role of variants in a gene called APOE in Alzheimer's, and found that while it's not a simple determinant of developing the disease, that one gene seems to play a significant role in promoting disease risk. Researchers hope work like this could point to new areas to study and even potential treatments. Epidemiologist Dylan Williams joins Host Ira Flatow to explain the findings and discuss the challenges in tracing a complex disease to its roots. Guest: Dr. Dylan Williams is a principal research fellow in molecular and genetic epidemiology at University College London. Transcripts for each episode are available within 1-3 days at sciencefriday.com. Subscribe to this podcast. Plus, to stay updated on all things science, sign up for Science Friday's newsletters.

Stay informed on current events, visit www.NaturalNews.com - Introduction and Overview of Upcoming Reports (0:10) - Critique of Trump's State of the Union Speech (1:57) - Supreme Court Strikes Down Trump's Tariffs (5:32) - Economic Impact of Trump's Tariffs (34:30) - Trump's Economic Policies and Their Consequences (37:40) - The Role of AI in Job Replacement (38:00) - The Age of Ignorance is Over (51:23) - Interview with Garland Nixon (1:11:34) - International Political Tensions (1:18:08) - Impact of Potential War with Iran on American Politics (1:21:53) - War Weary Military and Instability (1:22:27) - Trump's Military Posturing and Credibility (1:24:46) - Risk of Loss of Credibility and Worst-Case Scenarios (1:27:47) - Impact of Huckabee's Remarks on Arab States (1:30:31) - Trump's Collapsing Support and Midterm Implications (1:33:32) - End of Empire and Loss of Faith in Institutions (1:35:59) - Final Thoughts and Future Directions (1:39:30) Watch more independent videos at http://www.brighteon.com/channel/hrreport  ▶️ Support our mission by shopping at the Health Ranger Store - https://www.healthrangerstore.com ▶️ Check out exclusive deals and special offers at https://rangerdeals.com ▶️ Sign up for our newsletter to stay informed: https://www.naturalnews.com/Readerregistration.html Watch more exclusive videos here:

Send a textPeaches goes full savage on the Air Force soap opera. From the tragic news of CMSAF Flosi's loss, to General Allvin's early retirement, to Wilsbach's DEI flip-flops and obsession with uniforms—this episode is a rollercoaster of military drama and unfiltered hot takes. Expect snark about fat generals, the “broken windows” theory of PT standards, political rumors about Trump donors, and why Peaches thinks General Minihan is the warrior the Air Force actually needs. If you thought the Pentagon was boring, buckle up—this is the no-BS breakdown you didn't know you needed.⏱️ Timestamps: 00:00 – Peaches solo takeover and warm-up rant 02:05 – Tragic news: CMSAF Flosi's family loss 04:31 – AFA conference chaos and leadership shifts 07:19 – General Allvin retires early (no one's sad) 09:26 – Wilsbach vs. Boussier: ego battle royale 11:49 – 4-stars cashing out with defense contractors 14:12 – Wilsbach's bio and Pacific pivot cred 18:36 – Ring camera distractions and Pacific ops talk 22:47 – Patch-wearer credentials and assignments rundown 25:04 – Chief Wolfe's background and power pair with Wilsbach 27:02 – Policies, controversies, and uniform obsession 31:03 – Broken windows, fat Airmen, and Giuliani comparisons 35:26 – Political rumors, DEI baggage, and Trump connections 40:17 – Peaches' own run-ins with Wolfe (fat Tony saga) 45:00 – Security Forces “spec ops” claim and eye rolls 47:12 – Better options for CSAF: Minihan, Spain, Conley 49:24 – Minihan's savage memo: “Aim for the head” 53:24 – Risk-averse DoD vs. Minihan's kill-bad-guys mindset 55:43 – Wrap-up and member merch reminder

Parkinson's disease is a neurological disorder that gradually interferes with movement, coordination, and cognitive function. New research points to environmental exposures, not just age or genetics, as a risk factor Research links long-term chlorpyrifos exposure to a more than 2.5-fold increase in Parkinson's disease risk, especially when exposure occurred 10 to 20 years before diagnosis Chlorpyrifos, a widely used organophosphate pesticide, has remained part of agriculture for decades, creating repeated low-level exposure through food, air, water, and agricultural drift that affects large populations Beyond Parkinson's, chlorpyrifos has been linked to reduced IQ, developmental delays, thyroid disruption, impaired fertility, and respiratory problems You can protect yourself and your family from pesticides by choosing organic foods, filtering drinking water, and improving indoor air quality

We walk you through what Emergency Physicians need to know to recognize, risk stratify, and manage endometriosis safely and pragmatically. We answer question such as: When should endometriosis rise to the top of the differential for pelvic pain? How do we distinguish an endometriosis flare from a  dangerous endometriosis complication? from Pelvic Inflammatory Disease? Why hemorrhagic cyst the most common misdiagnosis for endometriosis and how can we tell the difference between hemorrhagic cyst and endometrioma? Which hormonal therapy is safe, reasonable and effective to start in the ED? What are the most common life-threatening complications of endometriosis we should be on the lookout for in the ED? How do we discharge patients with suspected endometriosis safely and reduce repeat visits? and many more... Please consider a donation to EM Cases to ensure continued free open access medical education here: https://emergencymedicinecases.com/donation/

Most organizations view security as a cost center, a "check-the-box" expense rather than a strategic investment. This mindset leads to chronic underfunding, reactive, panic-driven decision-making, and high staff turnover. It also hampers innovation, strategic initiatives, and customer trust. What if security was viewed as a business enabler, not a cost center? Elyse Gunn, CISO at Nasuni, joins Business Security Weekly to discuss how to make security a business enabler, turning security from a cost center into a profit center. Elyse discusses why aligning security initiatives to business drivers is the key to addressing trust, both internally and externally, and how it solves the biggest security priorities for organizations, including: Data Privacy AI Security, and Nth Party Risk In the leadership and communications segment, With CISOs stretched thin, re-envisioning enterprise risk may be the only fix, To Lead Through Uncertainty, Unlearn Your Assumptions, Leaders, Consider Pausing Before Acting on Employee Feedback, and more! Visit https://www.securityweekly.com/bsw for all the latest episodes! Show Notes: https://securityweekly.com/bsw-436

Transocean is marking its 100th year as a leader in deepwater offshore drilling. CEO Keelan Adamson goes Inside the ICE House to discuss the company's evolution from shallow-water roots to operating one of the highest-spec fleets in the world. He explains how safety, discipline, and first-hand rig experience shape Transocean's culture and performance. Adamson also highlights how data, automation, and AI are enhancing reliability and decision-making across the fleet.

Most organizations view security as a cost center, a "check-the-box" expense rather than a strategic investment. This mindset leads to chronic underfunding, reactive, panic-driven decision-making, and high staff turnover. It also hampers innovation, strategic initiatives, and customer trust. What if security was viewed as a business enabler, not a cost center? Elyse Gunn, CISO at Nasuni, joins Business Security Weekly to discuss how to make security a business enabler, turning security from a cost center into a profit center. Elyse discusses why aligning security initiatives to business drivers is the key to addressing trust, both internally and externally, and how it solves the biggest security priorities for organizations, including: Data Privacy AI Security, and Nth Party Risk In the leadership and communications segment, With CISOs stretched thin, re-envisioning enterprise risk may be the only fix, To Lead Through Uncertainty, Unlearn Your Assumptions, Leaders, Consider Pausing Before Acting on Employee Feedback, and more! Show Notes: https://securityweekly.com/bsw-436

Spirit Airlines reaches a deal to exit bankruptcy leaner and more premium-focused, hotel owners grapple with shifting U.S. tariff rules that complicate renovation budgets, and Airbnb tests airport pickups as it edges closer to becoming a full-service travel platform. On today's Skift Daily Briefing, Sarah Dandashy breaks down how Spirit is betting on margin over size, why tariff uncertainty is forcing hotels into “wait and hedge” mode, and how Airbnb's push into ground transport signals a broader grab for the entire trip. Articles Referenced:Spirit Airlines Reaches Deal to Emerge From BankruptcyHoteliers Scramble to Price U.S. Tariff RiskAirbnb Is Testing Airport Pickups. Are Flights Next?

Darshan H. Brahmbhatt, Podcast Editor of JACC: Advances, discusses a recently published original research paper on Risk Score Development to Predict Postpartum Cardiovascular Disease Incorporating Pregnancy and Nonpregnancy Factors: A Canada-Wide Study.

Emma Yarbrough and Joel Gonzalez share stories about learning and growing from hard times.

The Supreme Court ruled 6-3 that the International Emergency Economic Powers Act does not give President Trump the authority to impose sweeping global tariffs. Sarah and Beth discuss how the tariff case is just one piece of a bigger and more troubling economic picture: a weakening dollar, a bond market under pressure, and a private credit sector showing signs of serious stress. Plus, Beth has finally watched The Pitt, and she and Sarah make the case that an emergency room drama might be exactly what America needs right now. Topics Discussed: The Supreme Court says Trump’s Tariffs are Illegal Economic Indicators are Changing Outside of Politics: The Pitt Ready to go deeper? Visit our website for complete show notes, exclusive premium content, chats, and more.See omnystudio.com/listener for privacy information.

The Ides of April — Son of the Blade The world didn't change slowly. It changed in a theater… during a celebration… with a single blade. In Episode One of The Ides of April, we begin the story of Alexander the Great at the moment everything became possible — and everything became dangerous. When Philip II of Macedon, the most powerful ruler in Greece, is assassinated in front of a crowd, the future of the Greek world hangs in the balance. His heir is just twenty years old. Young. Unproven. Surrounded by rivals. What happens next is not hesitation. It's speed. It's violence. And it's the beginning of one of the most extraordinary rises in history. In this episode, we follow Alexander as he secures his throne, eliminates threats inside his own family, crushes rebellion in Greece, and sends a message that will echo across the ancient world: the son is more dangerous than the father. From the destruction of Thebes to the crossing into Asia, the campaign moves with breathtaking momentum. Along the way, Alexander begins shaping something as important as his army — his legend. Because from the very beginning, this was never just a war. It was a performance of destiny. By his mid-twenties, Alexander will defeat the Persian Empire, march into Egypt, and push his army toward India. His soldiers will begin to call him favored by the gods. And he will begin to believe it. But as the poet Pindar warned: Creatures of a day. What is a man? Glory burns bright. And it never burns forever. In this episode:     •    The assassination that changed the ancient world     •    The brutal consolidation of power inside Macedon     •    The destruction of Thebes — and the warning it sent to Greece     •    Alexander's first victories against Persia     •    The moment a young king begins to step into myth Why this story matters Alexander's rise wasn't inevitable. It was built on speed, ruthlessness, and a dangerous pattern: Risk. Danger. Victory. Every gamble worked. And when the world starts rewarding every risk… The most dangerous thing a leader can believe is that he cannot fail. Coming next Victory begins to change Alexander — his court, his army, and his sense of who he really is. He will adopt the customs of kings treated like gods. He will demand loyalty that feels like worship. And before long, the distance between Alexander and the men who once called him companion will grow so wide… That one of them will die by his hand.

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For most of the past century, more women than men have died from cardiovascular disease. Yet, heart disease is still widely perceived as a male problem.  That's why in this episode, we dive into why cardiovascular and metabolic health are essential for women, especially in midlife, and why education is your greatest tool.  You'll gain the confidence to advocate for yourself and make informed decisions about your long-term health. I'll also be sharing my favorite simple habits to kickstart your metabolism, protect your heart, and boost your everyday energy.  Remember, it never has to be perfect—consistency builds momentum, and that's where real change begins.  Tune in here to gain key insight and prioritize yourself and your longevity! IN THIS EPISODE Recognizing the warning signs of cardiovascular disease  Labs and markers you should be asking your physician for  Why lifestyle medicine matters SO much in midlife  How to build metabolically healthy plates for each meal Setting simple movement goals for optimal heart health The massive benefits of sleep, mindfulness, and breath work Supplements to support your cardiovascular and metabolic health The pros of appropriately timed hormone replacement therapy  QUOTES “Heart disease kills more women than all cancers combined. Not breast cancer, not ovarian cancer. All cancers combined. And what's even more alarming for most women, the warning signs begin years- sometimes decades- before a heart attack or stroke ever happens.”  “Research shows that insulin resistance is a primary driver of cardio metabolic disease in women, especially after menopause.” “You do not need perfection. You need 7,000 steps per day, walking after meals, fewer long sitting stretches. Get up and move your butt, even if it means walking around your house or going around the block. Start building your life around movement. This is one of the most powerful yet underestimated tools for heart health and for your resilience.” RESOURCES MENTIONED Order my new book: The Perimenopause Revolution https://peri-revolution.com/ Order your Berkeley Life Nitric Oxide Support Supplement https://berkeleylife.pxf.io/Vxvdja RELATED EPISODES  716: Midlife, Hormones & Heart Health: The Critical Connection You're Not Hearing About with Cathy Eason 711: Estrogen, Inflammation, and Your Heart Health: What Every Woman Needs to Know with Dr. Sanjay Bhojraj 690: The Perimenopause Revolution: Why midlife isn't the end — it's the beginning of your most energized, powerful, and vibrant self 686: Your Second Puberty Explained: What's Really Happening to Your Body in Perimenopause

America Out Loud PULSE with Dr. Myriah Hinchey – Childhood vaccines spark intense debate in modern healthcare. Dr. James Neuenschwander explores vaccine history, ingredients, immune vulnerability, and rising chronic illness in children. This conversation examines individualized risk, parental autonomy, informed consent, and the urgent need for transparent safety data and personalized approaches to pediatric health...

Approximately 5–10% of all breast cancers are hereditary, and among those, BRCA1 and BRCA2 mutations are responsible for about 60% of cases. Yet, overall, only about 1-2% of all breast cancers in the general population are caused by BRCA mutations. Once childbearing is complete, the NCCN recommends risk-reducing BSO in patients carrying these mutations. But what about the uterus? Since childbearing is complete, and the ovaries are now removed, the sole purpose of the uterus- which is to initiate, nourish, and grow a child -is no longer applicable. Is there a call for inclusion of a hysterectomy at time of risk reducing BSO? This has vast and important implications regarding subsequent hormone therapy. In this episode, which comes from one of our podcast family members, we will dive into the latest data pushing towards the inclusion of hysterectomy at time of prophylactic BSO. It's fascinating data from just last year (2025, in the Journal of the NCI). Listen in for details.1. Kotsopoulos J, Seca M, Gronwald J, et al. Menopausal Hormone Therapy and the Risk of Breast Cancer in Women With a Pathogenic Variant in BRCA1 or BRCA2. Journal of the National Cancer Institute. 2025. 2. Kotsopoulos J, Gronwald J, Karlan BY, et al. Hormone Replacement Therapy After Oophorectomy and Breast Cancer Risk Among BRCA1 Mutation Carriers. JAMA Oncology. 2018

Selling a business is not a simple transaction. It is a strategic event that often defines an owner's financial future. In this episode, Carl J. Cox speaks with Gregory Kovsky, President and CEO of International Business Associates, about what it really takes to sell a privately held business. Gregory shares insights from more than three decades of deal experience, including why only a fraction of businesses ever sell and what separates those that do. The discussion covers buyer demand, valuation mistakes, financing hurdles, and the risks behind earn-outs and retained equity. This episode is essential listening for owners who want to understand their options before going to market. Listen now and start planning your exit with clarity. LinkedIn https://www.linkedin.com/in/gregory-kovsky-460aab7/  Website https://ibainc.com/

SummaryThis episode features a lively discussion on Olympic hockey, healthcare compliance, and the pitfalls of diagnostic coding. The hosts share insights on how practices often manipulate diagnoses for payment, the importance of proper documentation, and the impact of payer policies on clinical decisions.TopicsDiagnostic coding manipulationHealthcare audits and complianceImpact of payer policies on clinical decisions

Ocean fish populations are under pressure, and public money is still part of the problem. The World Trade Organization adopted a Fisheries Subsidies Agreement to curb harmful funding tied to illegal fishing, but major loopholes remain. Billions of dollars in government support continue to prop up industrial fleets that contribute to overcapacity and overfishing. Research published in Nature estimates that governments provide approximately 35 billion USD annually in fisheries subsidies, with the majority considered harmful or capacity enhancing. While the WTO agreement marks progress, it does not yet eliminate subsidies that expand fleets or intensify fishing pressure on already stressed stocks. The OECD continues to track uneven reform efforts across countries, showing that global fisheries governance remains inconsistent. Can fish populations truly rebuild while governments continue to finance fleet expansion? This episode breaks down the science, the economics, and the political reality shaping the future of global fisheries. Support Independent Podcasts: https://www.speakupforblue.com/patreon Help fund a new seagrass podcast: https://www.speakupforblue.com/seagrass Join the Undertow: https://www.speakupforblue.com/jointheundertow Connect with Speak Up For Blue Website: https://bit.ly/3fOF3Wf Instagram: https://bit.ly/3rIaJSG TikTok: https://www.tiktok.com/@speakupforblue Twitter: https://bit.ly/3rHZxpc YouTube: www.speakupforblue.com/youtube    

Building new cash-pay services can be one of the fastest ways to grow a private practice — or one of the fastest ways to create legal, compliance, and licensing risk if it's done wrong.In this episode of the Private Practice Owners Podcast, host Adam Robin sits down with Daniel Hirsch, CEO and Founder of Risk & Compliance Analytics, for an action-packed installment of the Compliance Marathon — a series designed to help owners stop fearing compliance and start using it strategically.Daniel breaks down what most practice owners misunderstand about cash-pay services — including the dangerous assumption that “cash means no rules.” From Medicare landmines to pricing consistency, documentation requirements, and licensing exposure, this conversation gives owners a clear framework for expanding cash services without putting their practice, revenue, or license at risk. Together, they unpack:Why cash-pay services are not “rule-free” — and where risk actually increasesThe biggest Medicare mistake owners make when offering cash servicesHow inconsistent pricing, discounts, and “buddy deals” create legal exposureWhy documentation requirements still apply — even when insurance isn't involvedHow to clearly separate cash services from covered therapy to avoid compliance overlapWhat must be transparent: pricing, good-faith estimates, refunds, and consentWhy protecting your license should always come before chasing new revenueCommon gray areas where practices get burned — including “free” screeningsThe simple steps every owner should take before launching wellness, performance, or specialty cash programsHow to build cash services that are compliant, defensible, and scalable This is not a lecture on rules — it's a practical roadmap for owners who want to grow aggressively and responsibly. If you're thinking about adding wellness programs, memberships, dry needling, laser therapy, women's health services, or any cash-pay offering, this episode will save you time, money, and future headaches.

In this episode, Dr. Killeen shares the story of the 1900 Galveston hurricane to explore how overconfidence can quietly create massive risk in leadership and business. He talks about why experience and past success can sometimes make us less curious, less cautious, and more vulnerable to blind spots. The takeaway is simple and practical: build habits and systems that assume you might be wrong, invite challenge from people you trust, and choose humility as a long term advantage.

The first Charlotte FC match of 2026 is in the books and Matt and Corey are here to break it down. Charlotte FC traveled to St. Louis City and walked away with a 1-1 draw to open this year's MLS campaign. Matt and Corey break down the match, including the poor defending that led to STL's goal, and find the positives in the play of Pep Biel, Wilfred Zaha and Kristijan Kahlina.---Want to get into our Discord to discuss all the matches this season, get access to Soccer and Coffee and ask us questions for the show? ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Support us on Patreon⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ for just a few bucks to get access to that and more, including special Secret Show episodes we release just to supporters.Patreon:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ https://www.patreon.com/MintCitySoccerShow

***Complete our short survey by Wednesday, March 11, 2026 to be entered for a chance to win Standlee free product coupons and some fun Standlee swag – https://www.surveymonkey.com/r/btb2026podcast*** _______________________________ On this episode of the Feeding Fumbles & Fixes series of Beyond the Barn, host Katy Starr chats with Dr. Kelly Vineyard, PhD equine nutritionist, to discuss four common horse feeding mistakes that can increase laminitis, including: Why some horses at the highest risk for laminitis look healthy and fit What current research is teaching us about meal size, carbohydrate load, and metabolic stress How everyday feeding and management decisions can strain the hoof long before any soreness appears Dr. Vineyard also talks about how metabolic testing works, what body condition scores really mean, and why meal size and NSC intake per feeding matter, especially for at-risk horses.

Dr. Rod Passman, Director, Center for Arrhythmia Research, Northwestern Medicine, joins John Williams to talk about how many people in the U.S. are living with atrial fibrillation, the most common symptoms of AFib, how AFib is sometimes asymptomatic, who is at most risk of Afib, the role wearables have in detecting AFib, what you can […]

Dr. Kannan Mutharasan, Medical Director, Bluhm Cardiovascular Institute South Region, Northwestern Medicine, joins John Williams to talk about heart health month, the most common form of heart disease, when someone should consider seeing a cardiologist, the importance of understanding risk factors, and what people can do to lower their risk of heart disease.

J Darrin Gross I'd like to ask you, Caleb, Christopher, what is the BIGGEST RISK? Caleb Christopher I'm going to answer with a categorical answer. I think the biggest risk is any risk that you either refuse or fail to identify and seek to address, like you talked about, what bucket can I put it in? Can I transfer it or do I have to accept it? But the ones where you don't have the eyes wide open, the ones that catch you unawares, are the biggest risks. So I think the biggest risk comes from a reluctance to engage either JV partners or consultants or attorneys or any general education, leaving yourself open to be blindsided by something you didn't see coming. That is very well said. Eyes wide open and make sure you understand the risk. That's good. Caleb, where can listeners go if they'd like to learn more or connect with you? https://creativetc.io/  

Strategic calculations are intensifying as President Donald Trump weighs a possible strike, while Tehran warns that even a limited attack would be treated as full-scale aggression. Military planners caution that limited operations can quickly spiral, as forces reposition and military plans are refined. Whether the buildup leads to action or remains a posture of deterrence will depend largely on Trump’s decision and the response it provokes. KAN's Mark Weiss spoke with Iranian analyst Natty Tobian about the latest developments. (Photo: Umbraco) See omnystudio.com/listener for privacy information.

Directors and officers are navigating an increasingly complex and uncertain risk environment shaped by shifting litigation trends, evolving regulatory priorities, and emerging economic and geopolitical pressures. At the same time, both directors and officers liability (D&O) underwriters and corporate leaders remain alert to the potential for new claims amidst a shifting risk landscape. In this episode of Risk in Context, Marsh's Paul Denny, Deepak Adappa, and Will Fahey discuss some of the top risks that could impact organizations' senior leaders and that organizations should be keeping an eye on throughout 2026 and beyond. You can access a transcript of the episode here. For more insights and insurance and risk management solutions, follow Marsh Risk on LinkedIn and X and visit marsh.com.

EPISODE 245.  Key Takeaways: What due diligence is: The buyer's inspection/audit of the seller's business to confirm the story, financials, contracts, and assumptions made pre-LOI. The emotional shift for sellers: Post-LOI can feel like “we're done,” but diligence is often the most challenging phase and can be exhausting and distracting. Why buyers do it: Risk mitigation and validation, plus identifying upside (synergies, growth investment opportunities, consolidation savings). Common seller mistake: Underestimating diligence and showing up unprepared, both emotionally and operationally. Role of an M&A advisor: First point of contact, ensuring data is clean/defensible, fast response cadence, and pushing back where appropriate. “Scope creep” reality: Multiple outside parties (QoE, tax, legal, integration) often ask overlapping questions, creating a “Groundhog Day” effect without strong process management. Top diligence areas buyers focus on: Revenue quality, customer concentration, contracts/renewals, security posture, key person risk, and scalable delivery model. Retrade risk signals: Business performance softening during diligence, messy financials, messy contracts, or major unexpected changes in the business. Keep momentum (they cite ~90 days as a good diligence window) and don't let diligence distract leadership so much that performance slips. Listen to Shoot the Moon on Apple Podcasts or Spotify.Buy, sell, or grow your tech-enabled services firm with Revenue Rocket.

Dr. Kannan Mutharasan, Medical Director, Bluhm Cardiovascular Institute South Region, Northwestern Medicine, joins John Williams to talk about heart health month, the most common form of heart disease, when someone should consider seeing a cardiologist, the importance of understanding risk factors, and what people can do to lower their risk of heart disease.

Dr. Rod Passman, Director, Center for Arrhythmia Research, Northwestern Medicine, joins John Williams to talk about how many people in the U.S. are living with atrial fibrillation, the most common symptoms of AFib, how AFib is sometimes asymptomatic, who is at most risk of Afib, the role wearables have in detecting AFib, what you can […]

Episode 201- Don and Lady Kroft - Nothing we do is SANE! - In this episode of Kinky Frame of Mind Don and Lady Kroft are in the studio. They talk about the Arctic Beatdown Event at the dungeon. Then they talk about RISK profile. They talk about how to build your risk profile and talk about how to share that with your partner or future partner. They hit terms like SSC, RACK, PRICK and more. 

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Cynthia Garcia about her career journey. She credits mentors and sponsors for paving the way for her success. Justin and Cynthia discuss the demands of the Chief Risk Officer role and how Cynthia works with stakeholders who have competing priorities. Cynthia shares her perspective on construction risk and safety. She is seeing more diversity in the rising generation of risk professionals, with amazing opportunities for all.   Cynthia shares how her Confucianist upbringing still makes it a struggle for her to receive recognition. Despite that, she posted on LinkedIn about receiving the 2025 Bill McIntyre Leadership Award at the International Risk Management Institute (IRMI) Construction Risk Conference. That post led Justin to reach out to her. Cynthia speaks of her involvement with the Spencer Educational Foundation, including being a Risk Manager on Campus. Justin and Cynthia talk about the March 6th Webinar, "Hard Hats & High Stakes: Women Leaders Shaping Construction Risk Management", that she joins as a featured panelist. Listen for tips on careers in risk management for construction.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. Our guest is Cynthia Garcia, the award-winning Chief Risk Officer for Bernards. We will talk all about her career in construction risk and get some "inspirado." But first… [:44] RIMS Virtual Workshops. On March 10th and 11th, we have a two-day course led by John Button for the RIMS-CRMP Exam Prep. [:55] On March 17th and 18th, RIMS will align with AFERM for a two-day RIMS-CRMP-FED Exam Prep Course. [1:02] On March 4th and 5th, we have a virtual workshop, "Facilitating Risk-Based Decision Making", with Joe Milan. On April 15th, we have a virtual workshop covering "Emerging Risks", led by Joseph Mayo. [1:20] Register today and strengthen your risk knowledge. RIMS members always enjoy deep discounts on the virtual workshops. [1:27] Webinars. On March 6th, RIMS presents "Hard Hats & High Stakes: Women Leaders Shaping Construction Risk Management". We'll be joined by a Chief Risk Officer, an underwriter, and a broker. [1:42] They will explore their career paths, risk and safety philosophies, and lend some insight as to why this is the time for the next generation of leaders to rise. [1:53] On March 12th, Global Risk Consultants returns with "Don't Waste the Soft Market: Where to Reinvest Insurance Savings Before the Window Closes". Register for these and other webinars by visiting RIMS.org/webinars and the links in this episode's show notes. [2:14] On with the Show! Our guest today is Cynthia Garcia. She is the Chief Risk Officer for Bernards. [2:22] Cynthia made a big impact on the risk landscape in 2025 when she received the Bill McIntyre Leadership Award from the International Risk Management Institute during its Construction Risk Conference. [2:35] I wanted to learn all about her career and what it's like to be the risk officer for a major construction company. [2:42] Earlier, I mentioned the March 6th RIMS Webinar, "Hard Hats and High Stakes," and Cynthia will, in fact, be the Chief Risk Officer mentioned there. [2:51] If you like what you hear in this episode and want to learn more about career development, construction risk, and why rising risk professionals should seize the opportunities in the construction sector, you can register for that Webinar. [3:04] Cynthia is a fascinating individual, and I am so pleased to present this interview! Let's get to it! [3:09] Interview! Cynthia Garcia, welcome to RIMScast! [3:27] Justin and Cynthia are going to be collaborating on a RIMS Webinar on March 6th, "Hard Hats and High Stakes." It's all about how women have and can continue to thrive in construction risk management. Cynthia is the ideal Chief Risk Officer to have on that panel. [3:46] Justin thanks Cynthia in advance for being on that panel and being a guest on RIMScast. [4:07] Cynthia is the CRO for Bernards, based in California. [4:33] Like many in her generation, Cynthia stumbled into risk management. She started as an administrative assistant for Morley Builders, an amazing employee-owned general contractor in Santa Monica, California. [4:52] She was fortunate to have several sponsors and mentors within the organization. They helped her see that she belonged at the table. They saw something in her that she hadn't seen in herself, which is the beauty of a mentor. [5:16] In spaces she was not in, they advocated for her and said, Why don't we give this to Cynthia? That's the beauty of a sponsor. Cynthia says she was blessed to be in the right place at the right time. She was able to lean in. [5:32] Cynthia says that the thing that attracts her about risk management and what she does is finding the hard yes. Risk management doesn't say, "No." [5:50] Risk management, when practicing its craft, is fully integrated with operations and understanding what the business needs. It is strategically aligned and helps make sure the organization is making those thoughtful business decisions that allow taking risks. [6:11] Then, risk management takes it to the next step to ask how this adds to our shareholder equity, how this aligns with who we want to be as a company and as people. Risk management threads the needle between entrepreneurship and "cowboyism." [6:28] Risk management leads with "Help me understand, and help us get to the hard yes. We can do it, but here are some of the things we need to do to make sure that it's successful."  [6:50] Cynthia always likes to start by making sure she is coming in with a lot of curiosity. She asks for help to understand what she's not seeing to try to connect the dots. If Cynthia doesn't understand the needs of her business partners, she's not creating value. [7:11] Cynthia joined Bernards as Chief Risk Officer four years ago next month (March). Bernards created the position for her. She says she's blessed to work with talented people. She credits an amazing group of rockstar individuals. She says a rising tide lifts all boats. [8:00] Cynthia says her team carries the weight and does it beautifully. She says the genius of true leadership is understanding we're paving the way for our replacement. Leaders who are afraid of talent need to pause and rethink what that means. [8:26] Cynthia's Risk and Safety team has 13 staff members. [8:45] Cynthia has a VP of Risk and Safety who is definitely a genius at making the wheels turn. He is Cynthia's only direct report. He does an amazing job setting the tone and the pace. [9:03] Cynthia says, We focus on listening to the voices of our internal and external customers. As an employee-owned company, we try to understand what our business partners need, whether it's accounting, finance, human resources, operations, or estimating. [9:22] Cynthia focuses on what our business partners need from risk management to help achieve mission success. [9:27] Cynthia says, from day to day, it's everything from safety to claims, to insurance issues, to coverage questions, but a fair part of the job is when business teams proactively reach out with questions about issues that have come up. [9:50] Cynthia says the beauty of being in a smaller organization is that Risk Management is not siloed. It's not just insurance and claims but also litigation management and contracts. Risk partners closely with the CHRO on policies and employment practices. [10:13] Risk partners closely with Finance and Accounting on a variety of issues. Cynthia feels it is fortunate that Risk is viewed and valued as an internal resource to its business partners and part of the critical strategy to achieve the company's goals. [10:41] Bernards has a little fewer than 400 employee-owners. Cynthia credits Finance and Accounting for paying vendors on time and treating trade partners fairly. She credits Marketing for helping the brand, highlighting company accomplishments, and creating community buzz. [11:30] Cynthia credits the very customer-centric Tech team, who have helped her a lot, and the Virtual Construction Design team, who help with clash detection and getting ahead of constructability issues early on. [11:59] She notes the estimating team getting ahead of what's out there and making sure we have the right projects to go after. It takes a village. [12:14] Cynthia says we like to think all of us employee-owners have a vested interest in mission success. We're all in construction. [12:27] Quick Break! RISKWORLD 2026 will be held from May 3rd through the 6th in Philadelphia, Pennsylvania. RISKWORLD attracts more than 10,000 risk professionals across the globe. It's time to Connect, Cultivate, and Collaborate with them. [12:45] Booth sales are open now. General registration and speaker registration are also open right now. Marketplace and hospitality badges will be available starting on March 3rd. Links are in this episode's show notes, and be sure to check out RIMS.org for more information. [13:04] Save the dates March 18th and 19th, 2026, for the RIMS Legislative Summit, which will be held in Washington, D.C.! Join us in Washington, D.C. for two days of Congressional meetings, networking, and advocating on behalf of the risk management community. [13:20] Visit RIMS.org/advocacy for more information and to register. Also, check out the prior episode of RIMScast, Episode 378, featuring RIMS General Counsel and Vice President of External Affairs, Mark Prysock, as we discuss the top priorities for RIMS in 2026 and beyond. [13:41] Let's Return to Our Interview with Bernards' Chief Risk Officer, Cynthia Garcia! [13:58] When Cynthia joined Bernards, there were about 10 people on the Risk and Safety team. Then they went into remodel mode, with a different strategic vision. Continuous improvement is a Bernards core value. It's a 52-year-old company with processes and talent in place. [14:27] Cynthia says we've been looking at the areas where we can have the greatest impact, picking off the low-hanging fruit first, and then building out processes that allow us to scale without reinventing ourselves every few years. [14:57] Cynthia says safety is our priority. Bernards added safety to its core values this year. Cynthia says it was a grass-roots movement. It percolated up through Operations and said, This is who we need to be. [15:24] Cynthia says a risk management team's job is to safeguard all the resources of the organization. That includes people and things, clients, and trade partners. The Risk and Safety team has a holistic view. They can't be good by themselves. They can't be safe by themselves. [15:42] For Cynthia, safety takes on a larger meaning than physical well-being, including creating spaces where people are allowed to be vulnerable. [15:57] Cynthia talks about leading with empathy, with top priority not only for physical safety but also for a psychologically safe environment, where you can show up, be seen, heard, and thrive. [16:41] Cynthia says she works on building connections through conflict. For what could be tough conversations, it helps if you are willing to check your ego at the door and come in curious. Cynthia often states her intention up front. [17:01] Cynthia might say, "My intention isn't to challenge you, it's to have you help me understand your perspective and help me see what I'm missing." Cynthia says she asks a billion questions because there is so much she doesn't know. She always tries to get with the "why." [17:32] Cynthia says, When I try to understand what it is that my counterpart needs to happen, then we can figure out the path forward together. As employee-owners, our goals are aligned. We're looking in the same direction. [17:52] Cynthia says, We may fuss with the GPS a little bit, but we know the destination is set and we have a commitment to one another. Once we are willing to shut up, listen, and ask the questions to learn, then we can figure out how to be of service. [18:16] Cynthia says her job isn't to convince, it's first to understand. [18:22] A Quick Break! The Spencer Educational Foundation's Risk Manager on Campus application period will open on April 1st, 2026, and it will close on June 30th. Grant awardees, colleges, and universities are typically notified in September. [18:51] The Course Development Grant application deadline for Interval Number 2 will be on June 15th, 2026. Award notifications will be sent out in late July. [19:06] General Grant applications will open on May 1st, 2026, and the application deadline is July 30th. Internship Grant applications open on August 15th and close on October 15th. [19:18] Links to each of these grants are in this episode's show notes. Visit SpencerEd.org for more information. [19:27] Let's Conclude Our Interview with Bernards' Chief Risk Officer, Cynthia Garcia. [19:41] As Cynthia mentioned earlier, Bernards is employee-owned. Cynthia thinks that Bernards being 100% employee-owned makes all its employee-owners better businesspeople. The heart of risk management is making those good choices. [20:27] Looking across the table and knowing she is betting with her fellow owner's retirement, makes Cynthia think about that a little bit differently. She thinks the employee ownership structure lends itself to amazing risk management. [20:49] Cynthia says you have to be disciplined. You're not spending somebody else's money on this. We're working together, and when we all make good choices, we are ultimately rewarding ourselves and impacting future generational owners, too. That's quite meaningful. [21:09] Cynthia says it's the best of both worlds. You have the umbrella of a big company paying the bills, but you're rewarded for smart entrepreneurism. [21:27] Cynthia has a long-term view when making decisions. It's not about what's in it for her. It's how does this support who we want to be today, and who we want to try to be tomorrow? It makes us look further into the horizon. [22:24] May 4th through May 8th, 2026, is Safety Week, here in the U.S. That coincides with RISKWORLD 2026. Cynthia will be at RISKWORLD. [22:41] Cynthia says for Safety Week, Bernards has planned activities on each job site to highlight the good things that men and women are doing to build the communities in which they work and live, and doing them in such a way that they go home to families and loved ones. [23:01] Justin notes that settlements from construction site accident injuries can be astronomical. Part of Cynthia's job is to minimize accidents from the outset, which connects to Bernards' core value safety-first mindset. [23:34] Cynthia says client response has been amazing. Recently, one of the project executives at Bernards was invited to the school district and won an award acknowledging their efforts on safety. That felt good because it wasn't Bernards saying it, but the clients saying we see it. [23:58] Bernards has trademarked "A Better Experience." It's a phrase they are proud of. They're building not only to create a better experience for their employee-owners, but also for project success for owners who value safety. [24:15] Bernards is a large school builder, working on many programs up and down the state. Bernards is cognizant of the impact they are having on the future generation of leaders and citizens. They're very grateful to have that acknowledgement from their clients. It's special. [25:29] Cynthia says she is absolutely seeing more opportunities for women in risk management and in construction. Construction tends to be inclusive. It's an industry filled with optimists. Its people bring that can-do attitude. They are very generous and gracious with their support. [26:13] Cynthia says she has been in the risk profession for about 30 years. The demographics have changed, and she sees diversity in the new young talent permeating the industry. [27:10] Cynthia thinks the work that the Spencer Educational Foundation does in partnership with RIMS is tremendous. She says it is amazing that colleges and universities are offering the Risk Management and Insurance degree and concentration. Cynthia never heard of that before. [27:35] Cynthia says that people her age moved into risk management from adjacent areas. She is pleased that now people come into risk management intentionally. She talks about risk managers trying to figure out how to help businesses thrive and grow to the next level. [28:47] Cynthia is one of Spencer's Risk Managers on Campus. She explains how the grants to colleges work. Spencer works tirelessly to make sure the next generation of leaders know what an amazing career this is and the opportunities it offers. Cynthia is grateful to be part of it. [30:15] Justin mentions that other Risk Manager On Campus risk professionals have been guests on RIMScast, and they have inspiring stories to tell. They love reaching the young people who are going to be the future of the profession. [30:35] Megan Miller, Spencer CEO, was a recent RIMScast guest. Check out SpencerEd.org for grants and opportunities. If you know somebody interested, send them the link to explore. If they connect with people like Cynthia through the RMOC grant, their experience will be richer. [31:28] Cynthia came to Justin's attention through a LinkedIn post about her being honored as the 2025 Bill McIntyre Leadership Award recipient at the International Risk Management Institute (IRMI) Construction Risk Conference. [32:08] Cynthia says you're always a little bit surprised but so pleased when you get acknowledged by your peers. As IRMI is pre-eminent in the construction risk management space, it was more special to Cynthia, as she knew of the great work they did. [32:33] Cynthia remembers starting in risk management and going to them as a resource. She knows the people who make IRMI thrive. They're people Cynthia looks up to. She is very grateful that it was her turn to be acknowledged. She feels there are way more qualified folks out there! [33:41] Cynthia says she is an immigrant. English is her second language. She is Korean and grew up in a Confucianist household. In terms of philosophy, you should be seen, not heard. The collective win is celebrated. [34:06] Cynthia has had to work to get over the heebie-jeebies about self-promotion or what could be viewed as arrogance. She's working on it and doing better at accepting compliments. It's an opportunity to show others who are coming up behind her that diversity exists. [34:45] Cynthia says it's hard for us to visualize ourselves in a role without models who came before us. What are the opportunities that exist? Can I also think about this? Cynthia said the marketing team is genius. Justin said that was what caught his eye on LinkedIn. [35:19] Cynthia says she is very fortunate to be supported by so much talent and such a community that helps uplift you. [35:27] Justin comments that the "seen and not heard" thing is not just Confucianism, but also old-world Brooklynism. His old relatives said, "Children should be seen and not heard." [35:52] Cynthia says we all have shared experiences within our collective. People tend to focus on the differences. It is important to celebrate our differences, but there's so much more in common, regardless of the geography and the generation in which we were raised. [36:10] There is so much in shared value. Cynthia says she is constantly inspired by those stories of people who saw a different future or leaned into a hand up. That motivates her to try to be better and drives her. [36:35] Justin says posting is a networking opportunity too. If that post had not gone up, Justin would not have met Cynthia. It's a way to broaden your network and meet more people. Justin says it's OK to do a humblebrag. Justin is known as the shameless self-promoter. [37:11] Justin says it is very special when you are acknowledged outside your company. [37:20] Cynthia's post triggered a series of events, one of which is, in recognition of Women's History Month, RIMS will present the webinar on March 6th, "Hard Hats & High Stakes: Women Leaders Shaping Construction Risk Management", with Cynthia as a featured panelist. [37:38] Cynthia will provide the CRO perspective. Also on the panel are Danette Beck from Astrus and Jessica Risullo from WTW. Cynthia shares how she knows these amazing, trailblazing women. Cynthia is grateful to be on a panel with them. They're rockstars! [38:47] Justin says it's going to be excellent! The link is in this episode's show notes, or visit RIMS.org/webinars. Megan Miller, the CEO of the Spencer Educational Foundation, will kick things off with a special introduction. [39:15] It's going to be a wonderful way to observe and celebrate Women's History Month, ahead of RISKWORLD and Construction Safety Awareness Week. [39:30] Justin thanks Cynthia for joining us on RIMScast, sharing with listeners her construction risk perspective and career path. There's a lot to take away. Justin thanks Cynthia for her perspective and her time. [39:45] Cynthia says she appreciates Justin and the work RIMS is doing to put a spotlight on our amazing industry and the opportunities that exist. She says she is grateful for the opportunities Justin and RIMS are creating and thoughtfully curating. [40:04] Special thanks again to Cynthia Garcia for joining us here on RIMScast. You can hear more from her directly on March 6th during the RIMS Webinar "Hard Hats & High Stakes: Women Leaders Shaping Construction Risk Management". [40:17] RIMS members, keep in mind that RIMS Webinars are complimentary for you. That is one of the many benefits of a RIMS membership. Visit RIMS.org/webinars and the link in this episode's show notes to register. That's going to be a fantastic session! [40:34] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [41:03] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [41:21] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [41:38] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [41:55] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [42:09] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [42:21] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS Legislative Summit — March 18‒19, 2026 on Capitol Hill, Washington, D.C. | Register now! RISK PAC | RIMS Advocacy RISKWORLD 2026 Registration — Open for exhibitors, members, and non-members! Reserve your booth at RISKWORLD 2026! Construction Safety Week RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | April‒June 2026 Cohort | Led by James Lam RIMS Compensation Survey 2025 — Download Today RIMS Risk Management magazine | Contribute RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS-CRMP Story, featuring John Button RIMScast Canada — Debut Episode Now Live Spencer Educational Foundation — Scholarships and Grants RIMS Texas Regional Conference 2026 Education Content Submission — Deadline March 18, 2026! Hard Hats & High Stakes: Women Leaders Shaping Construction Risk Management | March 6 | Presented by RIMS — Featuring Today's Guest, Cynthia Garcia! Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam PrepMarch 10‒11 | April 21‒22 | June 9‒10 RIMS-CRMP-FED Exam Prep with AFERM | March 17‒18 Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops RIMS Virtual Workshop — "Facilitating Risk-Based Decision Making" | March 4‒5 | Register Now "Risk Appetite Management" | March 25‒26 "Claims Management" | April 7‒8 "Emerging Risks" | April 15 | Register Now! Upcoming RIMS Webinars: "Hard Hats & High Stakes: Women Leaders Shaping Construction Risk Management" | March 6 | Presented by RIMS "Don't Waste the Soft Market: Where to Reinvest Insurance Savings Before the Window Closes" | March 12 | Sponsored by Global Risk Consultants RIMS.org/Webinars   Related RIMScast Episodes: "Investing In Yourself with RIMS 2026 President Manny Padilla" "Strategic Risk Career Transitions with Susan Hiteshew" "Supply Chain Integrity and Sustainability with Nicole Sherwin of EcoVadis"   Sponsored RIMScast Episodes: "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL (New!) "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Cynthia Garcia, Risk Manager at Bernards   Production and engineering provided by Podfly.

Irish SMEs may be unknowingly breaching GDPR and failing to meet Workplace Relations Commission (WRC) record-keeping requirements due to widespread gaps in how HR documents are stored, accessed, and governed. That is, according to new findings published from the Irish SME HR Report, by Ireland's leading people management platform, HRLocker. The report, based on responses from professionals working on HR in organisations employing 20–249 people, reveals that document disorder has become one of the most significant, yet preventable, compliance risks facing Irish businesses. Two-thirds breach GDPR due to insecure HR data storage Under Articles 5 and 32 of the EU's General Data Protection Regulation (GDPR), employers must ensure the integrity, confidentiality, and security of employees' personal data. Yet 66 per cent of SMEs continue to store HR documents in insecure systems, including general cloud folders (32 per cent), local hard drives (11 per cent), paper files (11 per cent) and email threads (9 per cent). The Data Protection Commission has already investigated SMEs for similar failures. In a recently published case, an employer mishandled sensitive employment information during a data breach, prompting an official complaint and regulatory intervention. The DPC found that the organisation had not implemented adequate safeguards to protect employee data, providing a clear example of the real?world consequences of poor HR document governance. Under GDPR, failures of this kind can result in administrative fines of up to €10 million or 2 per cent of global turnover, as well as compensation claims from affected employees. More than half failing to comply with data protection regulations The report highlights that 59 per cent of SMEs lack accurate, formal version control, risking breaches of GDPR Article 5(1)(d), which requires organisations to maintain accurate and up?to?date employee records. Further, 56 per cent do not have a current retention policy for HR data, despite the GDPR storage limitation principle and obligations under the Data Protection Act 2018. Mid-sized SMEs (50–99 employees) are the least compliant, with over one-third (39 per cent) lacking any retention policy at all. Without version control or retention schedules, SMEs cannot demonstrate compliance during WRC inspections or GDPR investigations, leaving them exposed to enforcement action, compensation claims, and costly remediation work. More than one in three risks undermining accountability requirements There is a clear lack of auditability in the sector, with 26 per cent of SMEs reporting that they do not maintain an audit trail for HR document access and changes. A further 27 per cent are unsure whether one exists, meaning more than one in three lack robust processes. This lack and uncertainty place organisations at risk of breaching GDPR Articles 24 and 30, which require employers to demonstrate accountability and maintain clear records of processing activities. In the event of a data-access request, breach investigation, or WRC inspection, the absence of an audit trail can lead to immediate compliance failure. Non-compliance carries real financial and operational consequences Governance gaps fuelled by document disorder also undermine compliance with core Workplace Relations Commission (WRC) record-keeping obligations, including requirements to maintain accurate, accessible, and up-to-date records on: Working hours Annual leave and public holidays Contracts and terms of employment Payroll and remuneration Disciplinary and grievance procedures Under the Workplace Relations Act 2023, missing audit trails, outdated files, or scattered storage systems can result in fixed-payment notices of up to €2,000 per offence, in addition to compensation awards to employees and orders to rectify records at the employer's expense. These costs come on top of business disruption during follow-up inspections and reputational damage that undermines employee trust. A preven...

Tonight's BizNews Briefing spans energy, markets and policy. Thomas Garner explains why Eskom warns load-shedding could return in 2029 and what needs to change to prevent it. A SENS round-up then tracks improving property momentum, Aveng's return to profit, Super Group's resilience and a sharp drop in liquidations data. Bloomberg's Nassim Taleb warns that today's AI leaders may not remain tomorrow's winners, before Dawie Roodt previews Wednesday's Budget — with the revenue overrun the key swing factor.

Dr. Tony Wyss-Coray, PhD, is a professor of neurology at Stanford School of Medicine who is discovering factors present in young blood and in exercised blood that can improve brain, heart and other organ health. We discuss how different organs age at different rates and how to accurately measure biological aging. We also discuss the specific proteins found in blood when we are young and that are increased by things such as exercise, sunlight exposure, short-term fasting, specific foods and social connection that can significantly increase vitality, restore youthful functioning of the brain and body and potentially increase lifespan. Read the episode show notes at hubermanlab.com. Thank you to our sponsors AG1: https://drinkag1.com/huberman David: https://davidprotein.com/huberman LMNT: https://drinklmnt.com/huberman ROKA: https://roka.com/huberman Function: https://functionhealth.com/huberman Timestamps (00:00:00) Tony Wyss-Coray (00:03:00) Young vs Old Animals, Age-Related Disease (00:06:35) Blood Biomarkers, Young vs Old Humans, Alzheimer's Disease (00:12:50) Sponsors: David & LMNT (00:15:28) 'Young Blood' Factors, Rejuvenation, Stem Cells (00:20:15) Blood Banking; Dracula (00:23:10) Rates of Aging in Organs, Age Gap & Disease Risk; Risk Profiles & Therapies (00:33:02) NAD Levels & Aging, NMN Supplements (00:36:44) Vitality vs Longevity; Periods of Accelerated Aging (00:43:17) Sponsors: AG1 & Roka (00:45:22) Sunlight; Youthful Blood Factors, Exercise & Brain Function, Fasting (00:51:25) Exercise, Injury & Inflammation (00:56:18) Pro-health Factors, Klotho, GDF11, Stem Cell Injection Risk (01:02:35) Platelet-Rich Plasma (PRP); Exosomes (01:05:43) Smoking, EMFs, Plastics, Long-Term Accumulation, Fresh Foods, Organic Food (01:11:28) Sponsor: Function (01:13:16) Intermittent Fasting, Long-Term Fasting, Snacking (01:19:07) Sleep; Cerebrospinal Fluid (CSF) Factors & Cognitive Function (01:24:44) Exercise Type & Longevity; Exercise Enjoyment (01:32:02) Lifestyle Factors & Alzheimer's Risk; Cognitive Exercise; Chocolate (01:37:05) Alcohol & Social Connection; US vs European Food Culture (01:40:50) Deliberate Deep Breathing; Wearables, Sunlight & Artificial Light (01:49:13) Future Projects (01:56:40) Zero-Cost Support, YouTube, Spotify & Apple Follow, Reviews & Feedback, Sponsors, Protocols Book, Social Media, Neural Network Newsletter Disclaimer & Disclosures Learn more about your ad choices. Visit megaphone.fm/adchoices

Today, we're welcoming Bob Campana, a California-based serial entrepreneur with more than 40 years of experience building businesses across hospitality, travel, real estate, and aviation.ROBERT's WebsiteROBERT on YouTubeFrom hot tub manufacturing to founding the beloved Redwood Café in Modesto, to leading Redwood Café Tours across Europe, Asia, and Oceania, Bob's career is a living case study in adaptability, optimism, and grit.He's also the author of the book Don't Look Down! The Improbable Adventures and Battle-Tested Lessons of a Serial Entrepreneur, where he shares candid lessons learned from a lifetime of figuring it out as he went. Bob has his own entrepreneurship podcast, continuing his mission to share what really happens behind the scenes of business building.1. A Lifetime of ReinventionBob, you've built businesses in very different industries—from manufacturing to hospitality to aviation. Looking back over 40 years, what allowed you to keep reinventing yourself rather than getting stuck in one version of success?2. Risk, Fear, and the Title “Don't Look Down!”Your book title says a lot. Don't Look Down! suggests both courage and consequence. How have you learned to take risks without being reckless—and what's one moment when looking down might have stopped you if you'd let it?3. Building Places That Connect PeopleRedwood Café became more than a restaurant—it became a community hub, and now it's evolved into Redwood Café Tours around the world. What do you think makes an experience or a business truly memorable to people? (Bob recommends two books. “Moments of Truth: How the SAS President and CEO Adapted to the New Customer-Driven Economy” by Jan Carlzon. “Setting the Table: The Transforming Power of Hospitality in Business” by Danny Meyer.)4. Lessons Earned the Hard WayYour book promises “battle-tested lessons,” not theory. What are one or two hard-earned truths about entrepreneurship that you wish more people understood before they start their first venture?5. What's Next—and Why Keep Going?You're still expanding into real estate and aircraft leasing, writing books, and launching a podcast. What keeps you energized at this stage—and what advice would you give to entrepreneurs who wonder if it's too late to start something new?Bob, if you could leave our listeners with one mindset or principle that's helped you navigate uncertainty over four decades, what would it be?

We look back at stories of companies that were disrupted -- Siebel Systems and Apple (NASDAQ: AAPL( -- to better understand how disruption emerges and whether history can be a guide for disruption during the AI paradigm shift. Asit Sharma, David Meier, and Tim Beyers discuss: - Disruption stories from history. - The three signs of disruption and why they matter now more than ever. - Two companies that may be at serious risk for disruption now and for the long term. Don't wait! Be sure to get to your local bookstore and pick up a copy of David's Gardner's new book — Rule Breaker Investing: How to Pick the Best Stocks of the Future and Build Lasting Wealth. It's on shelves now; get it before it's gone! Companies discussed: FIG, TOST, CRM, HUBS, TTD Host: Tim Beyers Guests: Asit Sharma, David Meier Producer: Anand Chokkavelu Engineer: Dan Boyd Disclosure: Advertisements are sponsored content and provided for informational purposes only. The Motley Fool and its affiliates (collectively, “TMF”) do not endorse, recommend, or verify the accuracy or completeness of the statements made within advertisements. TMF is not involved in the offer, sale, or solicitation of any securities advertised herein and makes no representations regarding the suitability, or risks associated with any investment opportunity presented. Investors should conduct their own due diligence and consult with legal, tax, and financial advisors before making any investment decisions. TMF assumes no responsibility for any losses or damages arising from this advertisement. We're committed to transparency: All personal opinions in advertisements from Fools are their own. The product advertised in this episode was loaned to TMF and was returned after a test period or the product advertised in this episode was purchased by TMF. Advertiser has paid for the sponsorship of this episode. Learn more about your ad choices. Visit ⁠⁠⁠⁠⁠megaphone.fm/adchoices⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Donate (no account necessary) | Subscribe (account required) Join Bryan Dean Wright, former CIA Operations Officer, as he dives into today's top stories shaping America and the world. In this Monday Headline Brief of The Wright Report, Bryan covers the U.S.-backed operation that killed El Mencho, leader of Mexico's most violent cartel, triggering nationwide retaliation and raising serious security concerns for Americans both abroad and at home. Bryan then reports major shifts across the Americas as Venezuela expels Cuban security forces under U.S. pressure, Canada caves to tariff threats over Gulfstream jet certifications, and the Supreme Court limits presidential tariff authority, forcing the White House to pivot fast. He also details the CIA's quiet removal of politicized intelligence reports, Susan Rice's warning of political retribution against Trump-aligned corporations, a major asylum work permit crackdown, English-only commercial driver testing, and new action against "chameleon" trucking companies. The episode closes with hopeful research out of Sweden showing that popular GLP-1 weight loss drugs may dramatically reduce alcohol cravings and relapse risk, adding to growing evidence that both medicine and faith play powerful roles in recovery.   "And you shall know the truth, and the truth shall make you free." - John 8:32     Keywords: February 23 2026 Wright Report, El Mencho killed Jalisco New Generation Cartel, US Mexico Special Forces operation, cartel retaliation Puerto Vallarta Guadalajara shelter in place, Trump Sheinbaum cooperation, Venezuela expels Cuban guards Delcy Rodriguez, Canada Gulfstream tariff pressure Georgia Wisconsin jobs, Supreme Court tariff ruling 15 percent global rate, CIA politicized intelligence reports removed, Susan Rice corporate retaliation threat Netflix board, asylum work permit freeze 14 years backlog, CDL English only rule trucking crackdown, chameleon carriers residential registrations, GLP-1 alcohol cravings semaglutide Ozempic Wegovy Mounjaro Sweden study

Hear stories of balloon jumps, zoo dives, flipping out of planes & the personal growth and life lessons behind it all. ============================ Get the Monday Minute my weekly email with 3 personal recs for travel, culture, and living beyond borders you can read in 60 seconds. ============================ ON THIS EPISODE In the final part of the conversation, Taylor Wallace shares how a spontaneous first jump in Brazil led to a passion for skydiving that has taken her across the world, from beach jumps outside Rio to balloon jumps over Cappadocia and massive skydiving festivals in the United States. She explains the discipline, humility, and constant learning required to stay safe in a high-risk sport, and reflects on how skydiving mirrors entrepreneurship and travel—requiring courage, adaptability, and trust in yourself when things don't go as planned. The episode closes with Taylor reflecting on how global travel and adventure have shaped her resilience, perspective, and desire to keep pushing beyond her comfort zone. → Full show notes with direct links to everything discussed are available here. ============================ FREE RESOURCES FOR YOU: See my Top 10 Apps For Digital Nomads See my Top 10 Books For Digital Nomads See my 7 Keys For Building A Remote Business (Even in a space that's not traditionally virtual) Watch my Video Training on Stylish Minimalist Packing so you can join #TeamCarryOn See the Travel Gear I Use and Recommend See How I Produce The Maverick Show Podcast (The equipment, services & vendors I use) ============================ ENJOYING THE SHOW? Follow The Maverick Show on Instagram and DM Matt to continue the conversation Please leave a rating and review — it really helps the show and I read each one personally You can buy me a coffee — espressos help me produce significantly better podcast episodes! :)

What is redemptive risk? Why is it essential for healing and outgrowing porn? In this episode, you'll learn why and how to embrace redemptive risk, the difference between dirty pain and clean pain, and three steps to consider as you discern your next redemptive risk:Start with "why"Count the costOwn your strengthWhat redemptive risk(s) are you currently taking? Let us know in the Husband Material Community!Support the showTake the Husband Material Journey... Step 1: Listen to this podcast or watch on YouTube Step 2: Join the private Husband Material Community Step 3: Take the free mini-course: How To Outgrow Porn Step 4: Try the all-in-one program: Husband Material Academy Thanks for listening!

Is the gig economy really destroying professional pet care businesses, or are we misunderstanding the market entirely? We share how the pet care industry hasn't collapsed into a single low-price marketplace, but instead has segmented into distinct tiers. We explore the four layers of pet care—from exchange-based arrangements to structured professional teams—and what motivates clients in each one. It's critical to understand why competing across tiers leads to pricing conflicts, operational strain, and unclear messaging. Most importantly, we look at how clarity about your position in the market allows you to serve your clients exceptionally well instead of defensively reacting to everyone else. Main topics: Four-tier market framework Client priorities by segment Gig economy misconceptions Strategic positioning clarity Competing within your tier Main takeaway: In a segmented market, success does not come from competing everywhere. It comes from serving your tier exceptionally well and better than anybody else. If you feel like you're competing with every sitter, every app, every neighbor, and every daycare in town… you're going to feel exhausted. The reality is that the pet care industry isn't one flat marketplace. It's layered. Different clients want different things. Cost savings. Convenience. Relationship. Risk reduction. When you stop trying to appeal to every tier, your pricing gets clearer. Your messaging gets sharper. And your operations get stronger. Clarity is not just comforting. It's strategic. Links: Check out our Starter Packs See all of our discounts! Check out ProTrainings Code: CPR-petsitterconfessional for 10% off

Is China really “dumping” U.S. Treasury bonds—or is that headline missing key context? Lance Roberts examines what Treasury International Capital (TIC) data does (and doesn't) show, why China's reported holdings can shift for reasons that have nothing to do with panic selling, and how custody chains and financial centers can complicate the narrative. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:52 - What to Do w Tariffs Struck Down by SCOTUS 5:35 - GDP Weaker than Expected, except... 12:59 - Coming Attractions - Ten Laws of Money 16:27 - Chat Question: Is China Dumping U.S. Treasuries? 17:48 - The Problem w the Narrative & Lance in France 22:06 - China's Shift in Custodial Relationships 26:13 - Why Luxembourg & Belgium Matter 28:05 - How the Financial Plumbing Works 29:16 - Why They Buy Dollar-denominated Assets 31:55 - Dollar vs Euro Trade 32:48 - How Investors Should Look at U.S. Treasuries 34:08 - U.S. Treasuries Anchor Risk-free Pricing 37:20 - Portfolio is a Toolbox, not a Narrative 39:01 - Focus on the Risk that Matters 41:51 - Tariff Changes & Policy Risks 43:26 - Semper Gumby - Always Flexible ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/fEk6rYGzFkA?feature=share ------- Watch our previous show, "Mega Roth Questions & Senior Deductions," here: https://youtube.com/live/fEk6rYGzFkA?feature=share -------- The latest installment of our new feature, Before the Bell, "Market Rotation Warning - Breadth at 50-Year Extreme," is here: https://youtu.be/Dule_eZoSBY ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketBreadth #SectorRotation #RiskManagement #USTreasuries #China #BondMarket #InterestRates #MacroInvesting

In this episode of One Vision — FinTech Fuse podcast, Theodora Lau and Jas Randhawa discuss the Universal Commerce Protocol (UCP) and implications for agentic commerce. They explore the challenges of chargebacks, the need for regulatory clarity, and the importance of consumer independence in the evolving landscape of e-commerce. While adoption is likely to grow, major risks include consumer manipulation, monopolistic outcomes, and the amount of personal data agents may require (buying, browsing, health, and other patterns), increasing privacy and security concerns. Now is the time to engage with policymakers and advocate for regulatory clarity and for the well-being of consumers. 00:00 Welcome Back to One Vision + Introducing Jas Randhawa (StrategyBRIX)01:10 What Is the Universal Commerce Protocol (UCP)? The Big Picture03:27 How UCP Works: Product Cataloging for AI Shopping Agents07:05 KYA (Know Your Agent): Identity, Authorization & Trust08:58 Chargebacks in Agentic Commerce: Who's Liable When Things Go Wrong?12:02 Fraud Detection Breaks: Geolocation, New Signals & Re-Engineering Controls13:44 Agent Independence & Consumer Protection: Bias, Collusion, and Oversight Gaps21:28 Regulatory Clarity (or Lack Thereof): The ‘Wild West' Phase + T&Cs Reality28:06 Time to Get Ready: Travel Use Cases, Audit Trails, and Dispute Proof33:26 Sanctions, VPNs, and High-Velocity Agent Behavior: Financial Crime Risks37:12 Are We Too Early? Will Consumers Adopt—and at What Cost?42:59 Privacy, Data Control & The Need for Neutral Standards Bodies (Wrap-Up)47:45 Final Thoughts#AI #AgenticCommerce #UCP #Agents #Fintech Hot take:  ”The amount of information this agent now needs to have about me is shocking and it scares me a little bit because you're talking about buying patterns, browsing patterns, sleeping patterns, health pattern. For this agent to be really effective, it just needs to know everything that's in my head, right? It's gonna be very effective, but that's again, a major risk because no one's watching out for the consumer.”Hot take: “ The future of this world is unfortunately not you or me. It's a lot of these younger kids, their ecosystem is a lot different. These products are being designed for them.”More about our guest

Is China really "dumping" U.S. Treasury bonds—or is that headline missing key context? Lance Roberts examines what Treasury International Capital (TIC) data does (and doesn't) show, why China's reported holdings can shift for reasons that have nothing to do with panic selling, and how custody chains and financial centers can complicate the narrative. Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer 0:00 - INTRO 0:52 - What to Do w Tariffs Struck Down by SCOTUS 5:35 - GDP Weaker than Expected, except... 12:59 - Coming Attractions - Ten Laws of Money 16:27 - Chat Question: Is China Dumping U.S. Treasuries? 17:48 - The Problem w the Narrative & Lance in France 22:06 - China's Shift in Custodial Relationships 26:13 - Why Luxembourg & Belgium Matter 28:05 - How the Financial Plumbing Works 29:16 - Why They Buy Dollar-denominated Assets 31:55 - Dollar vs Euro Trade 32:48 - How Investors Should Look at U.S. Treasuries 34:08 - U.S. Treasuries Anchor Risk-free Pricing 37:20 - Portfolio is a Toolbox, not a Narrative 39:01 - Focus on the Risk that Matters 41:51 - Tariff Changes & Policy Risks 43:26 - Semper Gumby - Always Flexible ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/fEk6rYGzFkA?feature=share ------- Watch our previous show, "Mega Roth Questions & Senior Deductions," here: https://youtube.com/live/fEk6rYGzFkA?feature=share -------- The latest installment of our new feature, Before the Bell, "Market Rotation Warning - Breadth at 50-Year Extreme," is here: https://youtu.be/Dule_eZoSBY ------- Download Lance's Latest e-book, "Laws of Money & Wealth:"https://realinvestmentadvice.com/ria-e-guide-library/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #SP500 #MarketBreadth #SectorRotation #RiskManagement #USTreasuries #China #BondMarket #InterestRates #MacroInvesting

In this Dialogue episode of The Synopsis, we discuss the recent sell off of software names, Constellation Software, and introduce the idea of "Point of Monetization" to analyze why Dating Apps are such a bad business.  Five Minute Money Newsletter Free Sign Up Watch the ServiceNow Video here, or the Constellation Software Video Here, the Adobe Video Here.  ~*~ You can also get a free trial to AlphaSense to read 200k+ expert calls through this link.  ~*~ For full access to all of our updates and in-depth research reports become a Speedwell Member here. Please reach out to info@speedwellresearch.com if you need help getting us to become an approved research vendor in order to expense it. -*-*-*-*-*-*-*-*-*-*-*-*-*-*- Show Notes (0:00)  — Intro (3:48)  — ServiceNow Business Overview (13:00)  — Risks to ServiceNow (21:32)  — AI Control Tower (24:14)  — Competitive Dynamics (32:10)  — Valuation (35:18)  — Mature Margin Diatribe (42:39)  — AI Risk Rebuttal (46:16)  — ServiceNow Blue Sky Scenario (47:38)  —  Intuit Disrupted? (50:46)  — Will Margins Collapse for SaaS? (52:54)  — Difference Between SMB vs Enterprise SaaS -*-*-*-*-*-*-*-*-*-*-*-*-*-*- For full access to all of our updates and in-depth research reports, become a Speedwell Member here. Please reach out to info@speedwellresearch.com if you need help getting us to become an approved research vendor in order to expense it. *-*-*- Follow Us: Twitter: @Speedwell_LLC Threads: @speedwell_research Email us at info@speedwellresearch.com for any questions, comments, or feedback. -*-*-*-*-*-*-*-*-*-*- Disclaimer Nothing in this podcast is investment advice nor should be construed as such. Contributors to the podcast may own securities discussed. Furthermore, accounts contributors advise on may also have positions in companies discussed. This may change without notice. Please see our full disclaimers here:  https://speedwellresearch.com/disclaimer/

Ep 119: For many retirees, the question of who will serve as a power of attorney or executor is often answered by naming their children, but there is a growing population of "solo agers" who don't have that traditional safety net. In this episode, we are joined by Dr. Sara Zeff Geber and Dr. Jay Zigmont to explore how those without children can navigate the complexities of aging, from managing healthcare decisions to protecting their financial legacy. We dive into the creation of the Child-Free Trust, a first-of-its-kind national service that provides professional fiduciary support to ensure you have a dedicated advocate in your corner, regardless of your family structure. Whether you are child-free by choice or circumstance, this conversation offers essential insights into building a secure, independent future and finding a support network that truly has your back. Chapters: 04:11 – Defining Solo Aging: Dr. Geber defines solo agers as those 60+ who lack children or family they can depend on for support as they age. 05:03 – The Service Gap: Dr. Zigmont discusses the "existential crisis" of finding decision-makers for the 15 million child-free people over age 55 who lack a clear next of kin. 08:40 – Legal Protections: The guests highlight the importance of having legal paperwork in place to avoid falling into court-appointed guardianships or conservatorships. 13:27 – The Risk of Naming Friends: Dr. Zigmont and Dr. Geber discuss why relying on friends—who may be the same age or on vacation—can lead to significant burdens and complications. 17:32 – Child-Free Trust Logistics: A breakdown of the subscription model, which includes document creation, a $999 annual membership, and 24/7 emergency response for medical crises. 20:19 – Intentional Planning: Why solo agers should prioritize senior living communities to maintain social networks and ensure they have access to care as they stop driving or face frailty. 24:00 – Combating Elder Fraud: A look at how professional fiduciaries and trusted account contacts can help protect solo agers from sophisticated scams and abuse. 31:24 – Legacy and Purpose: An exploration of how to leave a meaningful "legacy without lineage" through mentorship, leadership, and leaving the world a better place. 37:12 – Challenges in Rural Maine: Dr. Zigmont explains why retirees in remote areas like Maine must stress-test their plans against limited local caregiving resources. 43:56 – Redefining Retirement Success: The guests share their personal definitions of success, focusing on a "next chapter" filled with meaning rather than a total cessation of work.

Mike Armstrong and Marc Fandetti break down the market reaction after the Supreme Court struck down most of the Trump administration's tariffs — only for new 15% global tariffs to be announced days later. They discuss what the shifting trade policy means for business investment, consumer prices, and economic growth in 2026.The hour also covers growing volatility beneath the surface of the market, mounting pressure in private credit firms like Blackstone and Blue Owl, and whether continued policy uncertainty could slow hiring and capital spending in the months ahead.