Podcasts about Risk

Nicole Zagreda is in the trenches every single day as a criminal defense attorney in Yonkers, New York. In this episode of Locked In with Ian Bick, she breaks down the true reality of representing offenders and navigating the complicated mechanics of the criminal justice system. _____________________________________________ IanBick #Lawyer #yonkers #Courtroom #TrueCrime #DefenseAttorney#courtroomdrama #TrueCrime _____________________________________________ Connect with Nicole Zagreda: https://www.linkedin.com/in/nicole-zagreda-401620126 _____________________________________________ Hosted, Executive Produced & Edited By Ian Bick: https://www.instagram.com/ian_bick/?hl=en https://ianbick.com/ _____________________________________________ Shop Locked In Merch: http://www.ianbick.com/shop _____________________________________________ Timestamps: 00:00 The Reality of Being a Criminal Defense Attorney 00:54 Growing Up Between Yonkers and Dutchess County 02:13 My Strict Albanian Upbringing 04:06 How My Childhood Led Me to Law School 05:25 Why I Became a Public Defender 06:39 Struggling in School Before Becoming a Lawyer 07:55 Do Grades Matter for Lawyers and Law School? 08:50 What Law School Is Really Like 10:17 The Biggest Lessons I Learned in Law School 13:36 My First Steps Into the Legal World 15:17 Finding My Identity as a Lawyer 16:07 From Law School to Legal Aid Attorney 20:00 Learning Felony Defense at Legal Aid 24:10 How Defense Attorneys Earn Clients' Trust 27:17 Winning My First Jury Trial 29:23 The Moral Dilemmas of Criminal Defense 31:50 Court of Public Opinion vs the Justice System 34:15 How Juries Decide Criminal Cases 38:40 The Risk of Letting Clients Testify in Court 41:12 Getting Emotionally Attached to Clients 44:07 Burnout in Public Defense Work 47:52 Leaving Legal Aid for Private Practice Law 49:54 The Business of Running a Law Firm 52:46 How Lawyers Build a Client Base 55:27 Advice for New Lawyers 58:09 Visiting Clients in Jail for the First Time 01:00:02 Technology and Evidence in Criminal Trials 01:03:13 What to Look for in a Criminal Defense Lawyer 01:04:31 Trial vs Plea Deal: The Gamble of Court 01:07:30 Judges, Bias, and Courtroom Politics 01:10:04 The Mental Toll of Defense Work 01:13:52 Advice for Future Attorneys Learn more about your ad choices. Visit megaphone.fm/adchoices

Check out host Bidemi Ologunde's new show: The Work Ethic Podcast, available on Spotify and Apple Podcasts.Email: bidemiologunde@gmail.comIn this episode, host Bidemi Ologunde explores the rapid rise of prediction and betting markets, and why more people are suddenly treating odds as a serious signal about the future. What is driving their mainstream adoption now? Why are platforms moving beyond sports into politics, economics, and war-risk speculation? And when markets start pricing everything from championship games to the possibility of conflict with Iran, are they revealing collective intelligence, or just turning uncertainty into entertainment?Sponsors and partners:Promeed: 100% mulberry silk pillowcases and bedding that feel incredibly soft, stay breathable, and are naturally gentle on hair and skin.SurviveX: professional-grade FSA/HSA eligible first aid and preparedness kits designed in Virginia, USA and produced in an FDA-registered facility.Alison US CA: Alison is the world's largest free online learning and skills-training platform, helping more than 50 million learners in 193+ countries build career-ready skills with 6,000+ free courses, certificates, and diplomas.eSign (iOS only): eSign is a clean, privacy-first document-signing app that works entirely on your device, letting you sign PDFs, DOCX files, images, and scans, edit and assemble pages, and export crisp 300 DPI PDFs in seconds, without accounts, cloud uploads, or compromising sensitive documents.Support the show

In this episode of Risk! Engineers Talk Governance, due diligence engineers Richard Robinson and Gaye Francis how AI in Risk Management?Richard begins with a deep-dive into how large language models work, and where they fall short. He explains why AI systems are sophisticated inference engines rather than true reasoning machines, and why that distinction matters enormously for high-stakes decision-making and risk management.The conversation covers the parallels between AI and Monte Carlo simulation (great for likely scenarios, unreliable for rare critical events), the growing wave of fabricated legal citations produced by AI tools, and why the common law system itself mirrors how large language models operate.Gaye and Richard then bring the discussion back to governance and what does responsible AI use look like for boards and organisations? Who carries liability when a decision is based on AI output? And how do you ensure the sources AI cites are actually real?They conclude by agreeing that AI is a powerful tool for gathering information faster than ever before, but it demands that essential second layer of human thought, verification, and documented decision-making. They reiterate that thinking, and SFAIRP, is hard. If you'd like us to cover a specific topic or have any feedback we'd love to hear from you. Email admin@r2a.com.au.For further information on Richard and Gaye's consulting work with R2A, head to https://www.r2a.com.au, where you'll also find their booklets (store) and a sign-up for their quarterly newsletter to keep informed of their latest news and events. Gaye is also founder of Australian women's safety workwear company Apto PPE https://www.aptoppe.com.au.

A Note from James:Tony Hawk is one of the greatest athletes of all time—but what fascinates me most isn't just the tricks.It's the mindset.Tony didn't just become the best skateboarder in the world. He built an entire ecosystem around what he loved: competitions, companies, tours, sponsorships, and one of the most successful video game franchises ever created.What's interesting is that none of it was planned that way. It came from constant experimentation, falling—literally—and getting back up again.In this episode, Tony talks about the path to excellence, how he handled criticism and failure, the moment he finally landed the legendary 900 trick, and how skateboarding evolved from an underground subculture into a global industry.Episode Description:Tony Hawk didn't just change skateboarding—he helped transform it into a global cultural phenomenon.In this archival conversation, Tony shares the real story behind his career: learning to master fear, surviving the ups and downs of a niche sport, and eventually building a massive business empire around skateboarding.He explains how passion drove him through the lean years when skateboarding almost disappeared, why constant experimentation helped him stay at the top, and how a combination of timing, risk-taking, and creative control led to the success of the Tony Hawk's Pro Skater video game franchise.The conversation also explores the legendary moment when he landed the first successful 900, the importance of protecting your brand, and why mastery often comes from relentless curiosity rather than natural talent.What You'll Learn:Why pursuing passion—even during downturns—can create long-term successHow failure and repetition build elite skill in any disciplineWhy protecting your brand and intellectual control matters in businessHow the 900 trick became one of the most iconic moments in sports historyWhy continuous learning and experimentation are essential for staying relevantTimestamped Chapters:[00:02:00] The Physics of Skateboarding & Learning Through Failure[00:03:12] Introduction[00:03:38] Developing Air Awareness in Skateboarding[00:04:10] The First Time Going Airborne in a Pool[00:05:05] Learning How to Fall Safely[00:06:19] Aging, Risk & Walking Away from Mega Ramps[00:07:17] Skateboarding's Rebellious Origins[00:08:00] Creativity and Individual Style in Skate Culture[00:09:00] Advice for Pursuing Excellence[00:10:00] Learning Every Aspect of an Industry[00:11:35] Skateboarding's Collapse in the Early '90s[00:12:33] Becoming a Professional Skater[00:14:02] Mentorship from Stacy Peralta[00:15:13] Going Broke During Skateboarding's Down Years[00:16:29] Skating Parking Lot Shows for $100 a Day[00:17:31] The X Games and Skateboarding's Comeback[00:18:45] The Video Game That Changed Everything[00:19:31] When Tony Hawk's Pro Skater Became “The Game”[00:20:24] Lessons from Skateboarding Applied to Business[00:21:17] A Failed High-End Denim Business[00:22:43] Being Called a Sellout[00:24:00] Protecting Your Brand and Reputation[00:25:13] Creating Tony Hawk's Pro Skater[00:26:20] Designing the Game Mechanics[00:27:20] The Long Road to the 900[00:29:35] Landing the 900 at the X Games[00:31:08] Becoming Tony Hawk Inc.[00:32:21] The Importance of Total Immersion[00:33:29] Designing the Downward Spiral Ramp[00:35:24] Advice for Raising a Passionate Kid[00:38:12] Business Advice from Tony Hawk's Sister[00:40:29] Working with Family[00:43:04] Why Some Athletes Fade After Success[00:44:28] Clearing Up the 900 Controversy[00:48:00] The Hoverboard PrankAdditional Resources:Official Tony HawkTony Hawk's™ Pro Skater™ 3 + 4Bones Brigade: An AutobiographyRiley Hawk on InstagramSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

One of the biggest determinants of your future net worth will be your asset allocation – how you apportion your portfolio to cash, bonds, and stocks (and the types of stocks you choose). In Month 3 of our 2026 Financial Planning Challenge, Amanda Kish joins host Robert Brokamp to discuss:-Risk capacity vs. risk tolerance-How factors such as your job and your past behavior could influence your portfolio-Biases that may result in sub-optimal decisions-Broad allocation guidance to consider-Recommended tools for tracking and analyzing your portfolioHost: Robert Brokamp, CFP®Guest: Amanda Kish, CFP®, CFAEngineer: Bart Shannon 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

This video features an in-depth discussion between Michael Sartain and an Ivy League academic named "David", focusing on the scientific and practical aspects of human mating, dating, and social status from the perspectives of evolutionary biology, psychology, and sociology. The conversation bridges rigorous academic research with real-world application through the coach's extensive hands-on experience working with thousands of clients. 00:00- Intro 01:34 - Practical Field Experiments vs. Academia 04:19 - Evolutionary Attraction and Competency Triggers 08:22 - Hormones, Status Hierarchies, and Dominance 13:28 - The Winner Effect and TRT 20:23 - Mental Framing and Behavioral Confidence 27:21 - Socialization as an Evolutionary Advantage 33:07 - Paternal Hormonal Changes and Risk 40:04 - Modern Biohacking and Age Relevance 45:00 - Stoicism through Social Immersion Therapy 51:10 - Master Overcoming Chaos and Difficulty 57:51 - Evolutionary Origins of Approach Anxiety 1:03:30 - Mate Choice Copying in Humans 1:13:09 - Cheerleader Effect and Social Proof 1:21:37 - Assortative Mating and Time Effects 1:30:27 - Hypergamy and Modern Social Media 1:33:36 - Data-Driven Limitations of Dating Apps 1:47:11 - Using Apps to Build Social Circles 1:56:09 - Critiquing Modern Matchmaking and Services ————————————————————

Medical Notes: How To Lower Your Dementia Risk, Fighting Dehydration With Fitness, And Is Your Environment Killing You?   Good news! Your genes don't have the final say when it comes to your brain health. Too much of a popular supplement could be setting the stage for unexpected birth defects. Where you live, might be as important to your health as your DNA.  The secret to overcoming dehydration might be your fitness level.  Host: Maayan Voss de Bettancourt  Producer: Kristen Farrah       Facebook: ingoodhealthpodX: @ ingoodhealthpodIG: @ingoodhealthpodYouTube: @ingoodhealthpodSpotify Apple Podcast In Good Health PodcastSubscribed to the newsletterFull ArchiveContact UsBecome an Affiliate Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

On this episode: You buy something and they try to add on and add on. Is your financial advisor doing it too? Your risk profile: Where is your bottom? Or is that even the right question? This could be your biggest hurdle if you retire early. Subscribe or follow so you never miss an episode! Check out Fire Your Financial Advisor on YouTube! Learn more at GoldenReserve.com or follow on social: Facebook & LinkedIn.See omnystudio.com/listener for privacy information.

Hair might seem trivial, but for many of us it carries history, identity, and meaning far beyond keratin. In this week's episode, both of our storytellers explore the unexpected power their hair holds.Part 1: Being half Navajo and half white, Carissa Sherman turns to genetics to better understand her identity. As she questions where she belongs, her hair becomes a quiet but powerful marker of how she sees herself.Part 2: Growing up, Ria Spencer believed “good hair” meant long hair but when a medical condition forces her to shave it all off, she's challenged to rethink what that belief really means.Carissa Sherman is Diné (Navajo) and from Arizona. She's a rising 5th year PhD Candidate in the Human Medical Genetics and Genomics program at the University of Colorado Anschutz Medical Campus. Carissa is a member of Dr. Katrina Claw's Lab. Her current work has involved community-based participatory research gathering perspectives of genetics research as well as examining population-level pharmacogenetic variation. Her research interests include examining ethical, legal, social and cultural implications of genetic research and learning potential ways to advance inclusivity and equity in public health medicine. She is interested in science policy and/or academia. Carissa and her husband like to craft, draw, go to renaissance fairs, and have two cats; she loves horror movies! Ria Spencer is an aspiring world traveler and wannabe foodie who's spent years belting classic rock and sweet soul music for marginally sober audiences with her band Girls on Top. She's also delighted to be a grown-ass woman who's lived long enough to have some stories to tell. Ria produced and hosted Where Are They Now: The GenX Years in the New York Frigid Festival and has also appeared in the No Name Comedy/Variety Show, RISK!, Better Said Than Done, Dead Rock Stars and The Volume Knob.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this Podcast Short, John discusses how shifting from extractive to collaborative business models can help farmers reclaim their economic destiny. This episode also explores:  Historical farm economics, noting that while it was once common to pay for a farm in under ten years,  How "regenerative relationships" and shared risk-taking between vendors and growers are essential to restoring farm profitability.  A new performance warranty for BioCoat Gold is introduced as a way to remove financial risk for growers  Inviting large-scale operators to engage in broader risk-sharing partnerships that extend beyond single products to entire agricultural systems.  Additional Resources  To learn more about AEA's new BioCoat Gold warrant, please visit: https://advancingecoag.com/land/warranty-biocoat-gold/  About John Kempf  John Kempf is the founder of Advancing Eco Agriculture (AEA). A top expert in biological and regenerative farming, John founded AEA in 2006 to help fellow farmers by providing the education, tools, and strategies that will have a global effect on the food supply and those who grow it.  Through intense study and the knowledge gleaned from many industry leaders, John is building a comprehensive systems-based approach to plant nutrition – a system solidly based on the sciences of plant physiology, mineral nutrition, and soil microbiology.   Support For This Show & Helping You Grow Since 2006, AEA has been on a mission to help growers become more resilient, efficient, and profitable with regenerative agriculture.    AEA works directly with growers to apply its unique line of liquid mineral crop nutrition products and biological inoculants. Informed by cutting-edge plant and soil data-gathering techniques, AEA's science-based programs empower farm operations to meet the crop quality markers that matter the most.  AEA has created real and lasting change on millions of acres with its products and data-driven services by working hand-in-hand with growers to produce healthier soil, stronger crops, and higher profits.  Beyond working on the ground with growers, AEA leads in regenerative agriculture media and education, producing and distributing the popular and highly-regarded Regenerative Agriculture Podcast, inspiring webinars, and other educational content that serve as go-to resources for growers worldwide. 

Send a textRebecca Delahunt, director of public policy for Minnesota Family Council, joined Liz Collin on her podcast and talked about the latest developments with the so-called Equal Rights Amendment.Among her many concerns, Delahunt explained that "if this were to pass, it would give much higher legal protection for males to be housed at Shakopee,” Minnesota's prison for women. She said it could also lead to protections in the state constitution that would allow criminals to change their names and birth certificates and “practically disappear without a court order.”Support the show

The K-shaped consumer is redefining the outlook for the U.S. economy. While overall spending remains resilient, growth is increasingly concentrated among higher-income households, creating widening gaps across income levels. As policy shifts, AI adoption, and healthcare innovations reshape behavior, the consumer landscape is becoming more uneven.In this episode of The Bid, host Oscar Pulido is joined by Lisa Yang, Portfolio Manager and Co-Head of the Consumer Industry Group within BlackRock Fundamental Equities, to assess the state of the U.S. consumer heading into 2026. From wage growth and labor market dynamics to fiscal policy, tariffs, and immigration, Lisa explains how macro forces are influencing spending patterns — and why resilience is strongest at the high end. The conversation also explores structural shifts shaping stock market trends, including the rise of value-focused retailers, the impact of GLP-1 weight-loss drugs on food and apparel demand, and how AI-driven “agentic commerce” could transform retail media and brand discovery. As capital markets digest these changes, understanding the nuances of consumer behavior is critical for investors.Key insights from this episode:02:11 Introducing The "Two Speed Consumer"04:26 Yellow Flags Ahead - Why the U.S. Consumer Remains Resilient But increasingly K-shaped05:46 Policy Shocks 2026 - How fiscal policy and tariffs could widen income-driven spending gaps08:45 Why Value Retailers and Discounters are Outperforming12:01 GLP One Ripple Effects - How GLP-1 Drugs Are Reshaping Grocery, Apparel, and Beauty categories14:40 How AI Will Change Shopping Trends - What agentic commerce means for retailers, brands, and advertising models17:43 Other Trends Watchlist - Why Health and Wellness Remains A Durable Long-term Consumer Trend20:02 ConclusionsK-shaped economy, U.S. consumer spending, AI in retail, GLP-1 drugs, capital markets, stock market trends, consumer investing, megaforcesSources: “Advance Monthly Sales for Retail and Food Services” February 2026, United States Census Bureau; US Bureau of Economic Analysis (PCE data); FRED 2026, Bureau of Labor Statistics; Wage Growth Data, January 2026, Federal Reserve of Atlanta; Tax refunds per Morgan Stanley, Piper Sandler estimates; “US food outlook 2026”, Bernstein; “GLP-1 Boom Accelerates Nationwide Shift in Size Curves, Putting $5 Billion in U.S. Apparel Retail Inventory at Risk, According to New Impact Analytics Study”, Global Newswire, September 2025This content is for informational purposes only and is not an offer or a solicitation. Reliance upon information in this material is at the sole discretion of the listener. Reference to any company or investment strategy mentioned is for illustrative purposes only and not investment advice. In the UK and non-European Economic Area countries, this is authorized and regulated by the Financial Conduct Authority. In the European Economic Area, this is authorized and regulated by the Netherlands Authority for the Financial Markets. For full disclosures, visit blackrock.com/corporate/compliance/bid-disclosures.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Governance, Risk, and Compliance. Sounds official. Sounds structured. Sounds like you've got everything under control. But what if you've really just got the "R" and the "C" duct-taped together while governance is off somewhere on vacation? This episode breaks down why governance isn't just policies, committees, or fancy tools—it's the backbone that makes risk management and compliance actually work. If you've ever said, "We're doing security," but can't quite prove who decided what, who owns it, or whether it actually got done… this one's for you. More info at HelpMeWithHIPAA.com/550

A radical ballot initiative could criminalize hunting, fishing, and farming across Oregon overnight. A sweeping ballot proposal in Oregon is raising alarm across the hunting, fishing, and agricultural communities. Initiative Petition 28, known as IP 28, would remove long-standing legal exemptions within the state's animal abuse statutes. Those exemptions currently protect lawful activities such as hunting, fishing, trapping, wildlife management, livestock production, pest control, and veterinary research. If the initiative reached the ballot and passed, those activities could be classified as criminal acts. Nearly a million hunters and anglers in Oregon would suddenly face legal risk for participating in traditional outdoor pursuits. The measure would also affect commercial fishing, cattle ranching, dairy production, and the everyday practices that support local food systems. The conversation digs into how IP 28 is structured, why its supporters continue pushing the proposal despite long odds, and how the initiative fits into a broader national strategy targeting hunting and fishing traditions. There is also a close look at the economic and conservation impacts. Removing legal protections for wildlife management could disrupt the North American Model of Wildlife Conservation and the funding system that supports habitat, game management, and fisheries science. Listeners will walk away with a clearer understanding of what IP 28 actually proposes, how ballot initiatives move forward in Oregon, and why hunters, anglers, and conservationists across the country are paying attention. Follow the show for more weekly hunting, fishing, and conservation policy conversations.   Get the FREE Sportsmen's Voice e-publication in your inbox every Monday: www.congressionalsportsmen.org/newsletter  Learn more about your ad choices. Visit megaphone.fm/adchoices

Summary   This conversation delves into the critical topic of online safety for children, featuring insights from experts in the field. The discussion covers the impetus behind the Online Safety Act, the roles of organizations like Ofcom and LGFL, and the importance of empowering parents and schools to foster safe online environments. The conversation also addresses the challenges posed by technology, including AI, and emphasizes the need for continuous communication between parents and children regarding online safety.   Takeaways The Online Safety Act was prompted by tragic incidents involving children. Empowering parents and schools is crucial for online safety. Children's experiences online often differ from their parents'. Continuous communication about online safety is essential. Technology is an integral part of children's lives today. AI poses new risks that need to be addressed. Schools should engage parents creatively in online safety discussions. Risk assessments are vital for companies serving children. Children need to be educated about the risks of online content. Regulators must hold companies accountable for user safety. key  topics Legislation and regulation of online safety (Online Safety Act, Ofcom's role) Impact of AI and algorithms on children's online experiences Parental and educational strategies for online safeguarding Chapters 00:00 Introduction to Online Safety and the Guests 03:51 The Impetus Behind the Online Safety Act 05:35 Support from LGFL for Schools and Parents 08:14 The Role of Parents in Online Safety 10:59 Ofcom's Regulatory Role and Responsibilities 13:34 Impact of Algorithms on Children's Online Experience 16:21 Engaging Parents in Online Safety Discussions 18:06 Children's Experiences and Parental Awareness 20:06 Overcoming Parental Barriers to Online Safety Conversations 22:30 The Future of Social Media Regulations 24:38 Empowering Parents and Educators for Online Safety 26:57 Empowering Parents with Resources 28:30 Regulatory Frameworks and Company Accountability 33:40 School Policies on Technology Use 41:45 Navigating the Challenges of AI in Education 47:39 Envisioning a Safer Digital Future 49:57 The Importance of Online Safety in Education 51:04 Navigating the Challenges of AI and Online Safety Resources Online Safety Act (UK) - https://www.legislation.gov.uk/ukpga/2023/29/enacted  Ofcom's Online Safety Framework - https://www.ofcom.org.uk/online-safety  UN Rights of the Child in Digital - https://www.un.org/en/rights-of-the-child  UNICEF Digital Child Safety Initiatives - https://www.unicef.org/child-rights/digital-safety  LGFL Safeguarding Resources - https://www.lgfl.net/online-safety  Australian Online Safety Laws - https://www.ag.gov.au/rights-and-protections/children-and-teenagers/online-safety  Ofcom's Research on Children's Online Experiences - https://www.ofcom.org.uk/research/children-online  Global Regulatory Cooperation on Digital Safety - https://www.ituc-csi.org/global-cooperation-digital-safety The resource I referenced is the Parent Online Safety Toolkit for schools – available to download at https://parentonlinesafety.lgfl.net/  

As workplaces continue to evolve, so does the meaning of employee appreciation. In this special Employee Appreciation Day episode, we explore how organizations can recognize and support their teams in increasingly hybrid and remote environments, while staying mindful of legal risks. Subscribe to our podcast today to stay up to date on employment issues from law experts worldwide.Host: Marcia DePaula (email) (Steptoe & Johnson PLLC)Guest Speakers: Mike Gardner (email) & Fred Schutt (email) (Woods Rogers)Support the showRegister on the ELA website here to receive email invitations to future programs.

What does President Trump hope to achieve in Iran – a quick show of force, or long-term regime change?  The US and Israel's long-threatened air strikes on Iran have materialized, and the Middle East is facing widespread disruption and a mounting death toll as the war spills across borders. In this episode of Chatham House's international affairs podcast, our expert panel analyses the Trump administration's many stated motivations for the attack, whether there can be a clear-cut end game, and who is likely to take over in Iran after Ayatollah Ali Khamenei. They also discuss the effect of the war on President Trump's popularity at home as mid-term elections loom, and the criticism levelled at UK prime minister Sir Keir Starmer for doing, his detractors say, too little, too late. Host Bronwen Maddox is joined by Sanam Vakil, director of Chatham House's Middle East and North Africa Programme; General Sir Richard Barrons, senior consulting fellow with the International Security Programme; and Laurel Rapp, director of the US and North America Programme.    Produced by Stephen Farrell and Sara Seth.   Subscribe to Independent Thinking wherever you find your podcasts.   Chatham House's latest: Comment | Trump, the polls, and the war with Iran: What happened to the 'President of Peace'? Comment | Sánchez's principled stand against Trump matters. So does Merz's silence Comment | Netanyahu's biggest gamble

Johnny Mac covers late-night jokes from Jimmy Fallon and Michael Kosta about the ongoing Iran story and Trump's lack of a plan for Iran's leadership, plus a Colbert riff. He reacts to a Hollywood Walk of Fame clip of Gabriel Iglesias calling himself a “sellout” for taking Saudi Arabia money, calling it a bad look.Marc Maron praises Chris Fleming's HBO special as inventive and hopeful for standup, and Fleming also appears on Caleb Hearron's podcast. New Scrubs posts 11.36 million cross-platform viewers in five days, prompting talk of a likely season two.Jim Jefferies says Shane Gillis holds the comedy “championship belt,” while Taylor Tomlinson discusses the difficulty of cruise-ship and church gigs and explains leaving After Midnight due to workload and health. Deadline reports comedians' hesitation to move podcasts to Netflix because deals require removing new video from YouTube and may undercut broader revenue and leverage for future specials. 00:17 Late Night Iran Jokes00:57 Gabe Iglesias Walk of Fame02:06 Marc Maron Praises Chris Fleming03:22 Scrubs Ratings and Hulu Rant05:19 Jim Jefferies Comedy Belt goes to Shane Gillis06:22 Taylor Tomlinson Tough Gigs08:18 After Midnight Exit Explained10:26 Comedy Stock Market Segment11:30 Netflix Comedy Podcast Deal Debate Become a supporter of this podcast: https://www.spreaker.com/podcast/daily-comedy-news-with-johnny-mac--4522158/support.Daily Comedy News is the number one comedy news podcast, delivering daily coverage of standup comedy, late night television, comedy specials, tours, and the business of comedy.COMEDY SURVIVOR in the facebook group.Contact John at John@thesharkdeck dot com For Uninterrupted Listening, use the Apple Podcast App and click the banner that says Uninterrupted Listening.  $4.99/month John's Substack about media is free.This is the animal sanctuary mentioned in the February 10 episode.

AM Best Senior Associate Editor Renee Kiriluk-Hill examines how Hawaii's homeowners insurers are responding to catastrophic wildfire losses with steep rate increases, tighter risk selection, and strategic decisions that may foreshadow trends in other catastrophe-exposed states.

What does women's empowerment look like beyond inspiration — inside leadership, healthcare, and real impact?In this episode of The Mohua Show, Nivedita Basu — Founder & Chief Vision Officer, Global Cancer Care — shares her journey from shaping iconic women-led stories in Indian television to building accessible cancer care in India.She speaks about women in leadership, career reinvention, healthcare entrepreneurship, cancer awareness, preventive healthcare, and why women must prioritize their own health. This conversation explores:Leadership learned, not inheritedReinvention after reaching the peakWhy creative success alone is not enoughThe fear and misinformation around cancer careMaking preventive healthcare accessible, affordable, and normalDetachment, risk, and the courage to begin againBuilding brands with trust, empathy, and accountabilityIf you care about women's leadership, cancer awareness, career pivots, and social impact, this episode is a must-watch.

Byron Bowers and Amy Salloway share experiences from their formative years. A part of The Best of Coming of Age Stories series.

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 episode of The Wright Report, Bryan opens with a major update on the war with Iran, including a new Kurdish offensive, the destruction of Iranian missile launchers, and the growing crisis in the Strait of Hormuz that is shaking global energy markets.  Then it is a Listener Q&A episode. Bryan answers your questions about how Iran is still fighting despite losing senior leaders, the risks of regime change, China's oil strategy during the conflict, cartel drone warfare, and whether allies like Israel can influence America's decisions in war.    "And you shall know the truth, and the truth shall make you free." - John 8:32     Keywords: Iran war update, Kurdish offensive Iran, Strait of Hormuz crisis, China oil strategy, regime change Iran debate, cartel drone warfare Ukraine, U.S. Israel Iran conflict, Bryan Dean Wright podcast, The Wright Report, geopolitical intelligence briefing

The crew discusses whether prediction markets enable “Bloomberg terminal espionage,,” wonder how to regulate markets that could be on anything, dive into why the OCC is saying no to stablecoin yield and more. Thank you to our sponsors!  ⁠⁠Fuse: The Energy Network Prediction markets are in the spotlight again. On one hand adoption appears to be growing as the Nasdaq has announced plans of entering the space. On the other hand, they scrutinize markets that pose a national security risk.  In this DEX in the City episode, hosts Jessi Brooks, Katherine Kirkpatrick Bos and TuongVy Le discuss suspected insider trading activity around a market tied to the strikes on Iran. Beyond ethical concerns about betting on war, they grapple with the definition of “a death market” and ask whether all prediction markets around an individual are death markets.  The big question: How can these markets on literally any possible event be policed? Plus, is Jane Street manipulating the Bitcoin market? Why the OCC is saying NO to stablecoin yield and the takeaway from Jack Dorsey's Block layoffs. Hosts: ⁠⁠⁠Jessi Brooks⁠⁠⁠, General Counsel at Ribbit Capital ⁠⁠Katherine Kirkpatrick Bos⁠⁠, General Counsel at StarkWare ⁠⁠TuongVy Le, General Counsel at Veda Links: Unchained: Nasdaq Eyes Prediction Markets With SEC Filing Bitcoin Rebounds as ETF Inflows Return, Jane Street Speculation Swirls ZachXBT Alleges Axiom Employee Misused Internal Data White House Talks Make Progress on Stablecoin Yields but No Deal Yet DEX in the City: Insider Trading and Crypto: What the Law Actually Says Learn more about your ad choices. Visit megaphone.fm/adchoices

What if one of the strongest predictors of your lifespan isn't your cholesterol or blood pressure — but your feet? In this episode, we break down the science linking mobility, walking speed, balance, and independence to longevity. Research shows that slower gait speed and poor balance are strongly associated with higher mortality risk. Falls remain one of the leading causes of injury-related death in older adults. You'll learn: Why walking speed predicts survival The 10-second balance test that can reveal risk 4 warning signs your feet may already be aging faster than you think How collagen decline impacts connective tissue, stability, and mobility The connection between reduced movement, insulin resistance, and visceral fat We also cover practical self-tests you can do today and simple strategies to support connective tissue through proper nutrition and targeted supplementation. Longevity is not just about adding years — it's about adding miles. Strengthen your foundation so you can live longer and better. Get 20% off with code FREEDOM at https://bit.ly/4rQAy0K  FREE GUIDE: The World's Easiest Breakfast Diet To Melt Fat HERE: https://bit.ly/4ryX1yC

The largest American military base in the Middle East is in the small Gulf nation of Qatar. Special correspondent Leila Molana-Allen reports from Doha as the U.S. war with Iran widens. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

This inaugural episode of the CardioNerds Pulmonary Embolism (PE) Series explores the evolution of acute PE care. Dr. Ibrahim Zahid, Dr. Dinu Balanescu, and Dr. Billy Joe Mullinax join guest expert Dr. Kenneth Rosenfield to discuss the shifting landscape of PE management. Pulmonary embolism (PE) remains a leading cause of cardiovascular mortality and a frequent diagnostic challenge, often masquerading as myocardial infarction or a benign illness. Over the past decade, PE care has evolved from anticoagulation-only strategies to nuanced, risk-stratified, multidisciplinary management. Modern approaches integrate hemodynamics, biomarkers, and advanced imaging to guide therapy, including catheter-directed interventions and large-bore thrombectomy. The Pulmonary Embolism Response Team (PERT) model addresses historical gaps by coordinating rapid, multispecialty decision-making and standardizing care pathways. The PERT Consortium further advances PE care through education, research, and the world's largest PE registry, while fostering leadership and research opportunities for trainees. Despite advances, long-term outcomes and post-PE syndromes remain important areas for future investigation. Audio editing by CardioNerds Academy intern, student doctor, Pace Wetstein. Enjoy this Circulation 2022 Paths to Discovery article to learn about the CardioNerds story, mission, and values. CardioNerds Pulmonary Embolism PageCardioNerds Episode PageCardioNerds AcademyCardionerds Healy Honor Roll CardioNerds Journal ClubSubscribe to The Heartbeat Newsletter!Check out CardioNerds SWAG!Become a CardioNerds Patron! Pearls PE is a “master masquerader”—maintain suspicion for atypical presentations like myocardial infarction, heart failure, flu, or anxiety. Multidisciplinary management mediated through pulmonary embolism response teams improves outcomes and standardizes care. Risk stratification integrates hemodynamics, biomarkers, and imaging. Advanced therapies have expanded beyond anticoagulation. Long‑term follow‑up and post‑PE syndrome need more research. Notes Notes: Notes drafted by Dr. Ibrahim Zahid. 1. How has the clinical approach to PE changed over the past decade? PE is the third leading cause of cardiovascular death and historically under‑recognized. Symptoms mimic MI, HF, asthma, syncope, and more.PE is a silent killer, and it should be recognized more as a cause of spontaneous cardiac arrest. Where life threatening disease like stroke which is owned by neurological specialists and MI is primarily managed by cardiac specialists, PE is an entity without a professional home. The PERT Consortium brings the specialties together for PE care. 2. Ten years ago, a 58-year-old patient with a large bilateral PE, RV dilation, and positive biomarkers might have been managed with anticoagulation and close observation alone. Today, with evolving—but still uneven—data on advanced therapies, PE care feels far more nuanced and highly dependent on where you practice. What are the major gaps in traditional PE management that clinicians should recognize, and what care pathways should they be aware of across different hospital systems? Care has shifted from anticoagulation‑only to multidisciplinary approaches like catheter directed thrombectomy. Risk‑based pathways and the use of CT angiogram has improved early recognition. Risk stratification tools must be used as tools for early recognition of intermediate risk PE. Untreated PE leads to chronic complications like chronic thromboembolic disease and chronic thromboembolic pulmonary hypertension, which requires long term clinic follow up. 3. What is the role of risk stratification tools such as PeSI, sPeSI scores, cardiac biomarkers, and imaging findings in PE, and how do they guide treatment decisions in real world practice? Integrate vitals (blood pressure and heart rate), biomarkers (troponin, pro-BNP), RV/LV ratio assessment, acid‑base status, and scores. Tools include PESI, sPESI, BOVA, HESTIA, FAST, Geneva, NEWS, shock index. Vitals, lactate, acid-base status, and tools like NEWS or shock index track clinical evolution. PESI/sPESI estimate 30-day mortality and help identify low-risk patients who may be candidates for early discharge or outpatient therapy. Clinical judgment matters—scores don't fully capture clot burden, trajectory, or bleeding risk. 4. How was the pulmonary embolism response team created, and since its creation, what evidence or outcome data became available to support the PERT model? Originated after a sentinel case at MGH: A young, pregnant woman in her 30s, who collapsed at home, underwent thrombectomy, and had to be on ECMO for a few days. The case brought cardiology, cardiac surgeons and critical care physicians together for planning and improvement in her health, which was rewarding. Thereby, it was decided to bring specialties involved in PE care together to create a response team. The name of the team, Pulmonary Embolism Response Team (PERT), was coined by Richard Channick in the first meeting. Posters were set up all over the hospital to call a centralized line when an acute PE is recognized A meeting was held to present the concept of putting together a consortium, with development of action items and a PERT database. Enabled rapid multidisciplinary input using early teleconferencing tools. 5. Given concerns about having too many ‘cooks in the kitchen' during the initial PE call—especially with rotating teams—how can institutions reconcile workflow complexity with standardized pathways in a way that meaningfully supports and justifies the added burden on frontline clinicians? Every hospital's PERT is different, catering to their needs and workflow At least two disciplines are needed to make a PERTData is currently being collected to guide further on how the workflow can be standardized Most importantly, the team brings in resources that were not available prior to PERT formation. 6. What are the main goals of the PERT consortium, and how does it support clinicians and institutions involved? To improve care and improve outcomes for patients with PE Expand education, refine algorithms, standardize care with Centers of Excellence. Maintain the largest PE registry for research and outcomes improvement. 7. Beyond global networking, shared learning from successful systems, and the pathway toward Center of Excellence designation, what additional benefits can clinicians and health systems gain by participating in the PERT Consortium? The ability to learn from other systems, the ability to share experiences. Allow people to develop their professional careers like leadership experience, becoming a member of the trainee council Initiate projects and receive funding for your ideas 8. For trainees interested in pulmonary embolism care, how can a trainee be a champion at their institution? Does PERT provide assistance and how can they really contribute meaningfully even before becoming a fellow/attending? Medical students and residents interested in PE should reach out to the consortium and the consortium will hook you up with the correct mentors who can nurture you along. Listen to the podcasts. Participate with your local PERT team PERT wants involvement of people who are social media savvy to help spread the word on PE. Top three take-away points from this episode Acute PE care has advanced and multiple treatment modalities for acute PE including catheter directed therapy, large bore thrombectomy, are becoming standard of care. Multidisciplinary models like PERT improve coordination and outcomes. Trainees play a vital role in advancing PE care through involvement, research, and education References Konstantinides SV, Meyer G, Becattini C, Bueno H, Geersing GJ, Harjola VP, Huisman MV, Humbert M, Jennings CS, Jiménez D, Kucher N, Lang IM, Lankeit M, Lorusso R, Mazzolai L, Meneveau N, Ní Áinle F, Prandoni P, Pruszczyk P, Righini M, Torbicki A, Van Belle E, Zamorano JL; ESC Scientific Document Group. 2019 ESC Guidelines for the diagnosis and management of acute pulmonary embolism developed in collaboration with the European Respiratory Society (ERS). Eur Heart J. 2020 Jan 21;41(4):543-603. doi: 10.1093/eurheartj/ehz405. PMID: 31504429. https://pubmed.ncbi.nlm.nih.gov/31504429/ Rosovsky R, Zhao K, Sista A, Rivera-Lebron B, Kabrhel C. Pulmonary embolism response teams: Purpose, evidence for efficacy, and future research directions. Res Pract Thromb Haemost. 2019 Jun 9;3(3):315-330. doi: 10.1002/rth2.12216. PMID: 31294318; PMCID: PMC6611377. https://pmc.ncbi.nlm.nih.gov/articles/PMC6611377/ Rosenfield K, Bowers TR, Barnett CF, Davis GA, Giri J, Horowitz JM, Huisman MV, Hunt BJ, Keeling B, Kline JA, Klok FA, Konstantinides SV, Lanno MT, Lookstein R, Moriarty JM, Ní Áinle F, Reed JL, Rosovsky RP, Royce SM, Secemsky EA, Sharp ASP, Sista AK, Smith RE, Wells P, Yang J, Whatley EM; Pulmonary Embolism Research Collaborative (PERC) Attendees. Standardized Data Elements for Patients With Acute Pulmonary Embolism: A Consensus Report From the Pulmonary Embolism Research Collaborative. Circulation. 2024 Oct;150(14):1140-1150. doi: 10.1161/CIRCULATIONAHA.124.067482. Epub 2024 Sep 12. PMID: 39263752; PMCID: PMC11698503. https://pubmed.ncbi.nlm.nih.gov/39263752/ Sharifi M, Awdisho A, Schroeder B, Jiménez J, Iyer P, Bay C. Retrospective comparison of ultrasound facilitated catheter-directed thrombolysis and systemically administered half-dose thrombolysis in treatment of pulmonary embolism. Vasc Med. 2019 Apr;24(2):103-109. doi: 10.1177/1358863X18824159. Epub 2019 Mar 5. PMID: 30834822. https://pubmed.ncbi.nlm.nih.gov/30834822/ Pandya V, Chandra AA, Scotti A, Assafin M, Schenone AL, Latib A, Slipczuk L, Khaliq A. Evolution of Pulmonary Embolism Response Teams in the United States: A Review of the Literature. J Clin Med. 2024 Jul 8;13(13):3984. doi: 10.3390/jcm13133984. PMID: 38999548; PMCID: PMC11242386. https://pubmed.ncbi.nlm.nih.gov/38999548/ Rivera-Lebron B., McDaniel M., Ahrar K., Alrifai A., Dudzinski D.M., Fanola C., Blais D., Janicke D., Melamed R., Mohrien K., et al. Diagnosis, Treatment and Follow Up of Acute Pulmonary Embolism: Consensus Practice from the PERT Consortium. Clin. Appl. Thromb. Hemost. 2019;25:1076029619853037. doi: 10.1177/1076029619853037.https://pubmed.ncbi.nlm.nih.gov/31185730/

Sarah McDugal is back on the podcast, and this time we're talking about what it actually takes to protect your children inside a family court system that often reframes abuse as "mutual high conflict" and makes the protective parent look like the problem. Sarah is a clarity coach and founder of Freedom Navigator and Wilderness to Wild, where she works exclusively with protective parents navigating high-conflict divorce and custody battles. In this conversation, we talk about why the ways most of us instinctively respond—explaining, defending, and trying to get people to understand the truth—can actually work against us in court. We also dive into Sarah's High Conflict Court Risk Index, an assessment designed to help parents understand early how likely their case is to become a long, drawn-out legal battle. The earlier you can see the terrain you're walking into, the more strategically you can move through it. And we talk about the kids. One of the most powerful reframes Sarah offers is that protecting our children doesn't always mean shielding them from harm. Sometimes the greatest protection we can give them is helping them learn how to navigate difficult realities with clarity, resilience, and support. If you're deep in a high-conflict case and feel like everything you do somehow gets used against you, you're not imagining it. The family court system is not what most of us think it is—and fighting it the way we naturally want to can sometimes make things worse. This conversation offers a different playbook. What you'll hear about in this episode: Why what family court labels "high conflict" is very often an abuser-victim dynamic, not a mutual conflict situation (5:28) How you can shift the dynamics in court by changing yourself, not by trying to change the other person or the system (11:10) The High Conflict Court Risk Index, what it assesses, who it is for, and why taking it early means you can start the right conversations sooner (12:28) Why an interdisciplinary divorce team saves you time, money, and unnecessary damage (24:28) What to do when your high conflict court risk comes back moderate to high, and where to go for support (23:30) Why protecting your kids from all harm is not the goal and how to start teaching them to navigate tricky people and tricky situations instead (31:30) ✨ If you'd like to watch the video version of this episode, you can find it here. Learn more about Sarah McDugal:Sarah McDugal is a clarity coach and founder of FREEDOM Navigator and Wilderness to WILD. She works exclusively with protective parents in high-conflict divorce and custody battles. In addition to a master's degree, Sarah holds certifications and training in: Master Certified Professional Coach (MCPC), Certified High Conflict Legal Dispute Resolver, High Conflict Institute, Certified Assessor: Danger and Lethality Assessment, Johns Hopkins University School of Nursing, Deceptive Sexuality and Trauma Treatment (DSTT) Training, Dr. Omar Minwalla, and APSATS Model for Multi-Dimensional Partner Trauma (MPTM) Training. After surviving nearly a decade of custody litigation herself, Sarah equips her clients with trauma-informed tools, court-ready case prep resources, and strategic battle plans to fight smarter for the long haul — without losing their sanity, their kids, or their voice. Known for her blend of ethical precision and empathetic strength, Sarah empowers protective parents to transform survival into strategy — guiding weary warriors to rise with endurance, resilience, and courage. Resources & Links: Get Your Curated Podcast PlaylistFocused Strategy Sessions with Kate The Divorce Survival Guide Resource BundlePhoenix Rising: A Divorce Empowerment CollectiveKate on InstagramKate on FacebookKate's Substack Newsletter: Divorce Coaching Dispatch The Divorce Survival Guide Podcast Episodes are also available YouTube! Seven Step Mindset Reset for Divorce  High Conflict Court Risk Index Freedom Navigator WebsiteSarah on LinkedIn Sarah on Instagram Sarah on YouTube Episode 109: DSG Abuse Mini-Series: Escaping Toxic Relationships and Abuse in Faith-Based Communities with Sarah McDugal =================== DISCLAIMER:  THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL OR PSYCHOLOGICAL ADVICE.  YOU SHOULD CONTACT AN ATTORNEY, COACH, OR THERAPIST IN YOUR STATE TO OBTAIN ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM  

On Ep 409 of the podcast Hans and Jason discuss predator hunting tournaments and the push in several states over the last decade that has successfully led to these contests being outlawed. While this isn't a trend we think will spread to all states immediately, it is something we as night hunters need to be aware of and pay close attention to. Rights that aren't defended can be slowly lost. Tune in for this discussion and feel free to leave your thoughts in the comments below. 

In February, Inside the ICE House aired seven new episodes. Episode 511: Marsh CIOO Paul Beswick on Brand Transformation and Scaling AI Across the Organization Episode 512: Abacus Global CEO Jay Jackson on Moving to the NYSE and Shaping the Firm's Growth History Series: The Pneumatic Tube Network that Connected the NYSE Episode 513: Inside NYSE's 24/7 Tokenized Securities Platform with Michael Blaugrund and Jon Herrick History Series: New York City's Geographic Evolution Markets in Focus: Bitcoin's Slide vs. Bullish Holders, AI-Driven Selloffs, Broadening Beyond Big Tech Episode 514: Transocean CEO Keelan Adamson on Rigs, Risk & the Future of Energy

In this March 2026 episode, Craig Hemke for Sprott Money is joined by technical analyst Chris Vermeulen of The Technical Traders to analyze the latest volatility in gold, silver, and global markets. As geopolitical tensions shake commodities and equities, investors are watching whether the stock market could face a deeper correction while capital rotates into precious metals. Chris breaks down the recent spike in crude oil, key technical levels in the S&P 500 and Nasdaq, and why markets may be approaching a critical turning point. The discussion also explores the outlook for the gold price and silver price, including whether gold could be preparing for another breakout while silver remains volatile in the short term.

We are releasing today on our Consumer Finance Monitor podcast our host Alan Kaplinsky's discussion with Marisa Calderon, President and CEO of Prosperity Now, about two high-profile policy proposals raised or embraced by President Trump as part of a broader populist affordability agenda: 1.         A nationwide 10% cap on credit card interest rates for one year. 2.         The Credit Card Competition Act (CCCA), long championed by Senator Dick Durbin which would require large credit card issuers to enable at least two unaffiliated payment networks (only one of which could be MasterCard or VISA) on their cards. Each proposal is framed as pro-consumer. Each has generated significant pushback from banks, card issuers, and trade associations. However, even consumer advocacy groups have raised serious questions about the wisdom of such initiatives. Prosperity Now is a non-profit organization dedicated to advancing economic mobility, with a focus on those facing economic barriers. Each raises fundamental questions about how to balance affordability and access in the consumer credit market. Our discussion focused on a central theme: affordability is a real and pressing concern, but policy design matters enormously. Credit Card APRs: A Real Affordability Pressure As Calderon emphasized, policymakers are not wrong to focus on credit card interest rates. Average credit card APRs now hover around 22%, up sharply from roughly 13% a decade ago. Approximately half of cardholders carry a balance, and many rely on credit cards not for discretionary spending, but as liquidity bridges, covering emergency medical bills, car repairs, groceries, and other essentials. For lower and moderate-income households, credit cards are often the only readily available, regulated source of short-term liquidity. That makes rising APRs particularly painful. Calderon's formulation is apt: policymakers have identified the right problem. The harder question is whether they have identified the right solution. The 10% Interest Rate Cap: Lessons from History The proposal to impose a flat 10% nationwide cap on credit card interest rates for one year would represent an unprecedented federal intervention into unsecured revolving credit markets. Credit cards are unsecured and priced for risk. Interest margins help issuers cover expected charge-offs, volatility, and operational costs. If pricing flexibility is removed, lenders cannot simply absorb the loss, they adjust. Historically, those adjustments take predictable forms: •                 Tighter underwriting standards •                 Higher minimum credit scores •                 Lower credit limits •                 Reduced rewards programs •                 Increased non-interest fees •                 Exit from higher-risk market segments The likely result, as Calderon noted, is credit contraction, particularly affecting marginal and lower-income borrowers. The most relevant historical example may be the 1980 credit controls imposed during the Carter Administration, which were rescinded within months after causing severe market disruption. A more targeted example is the 36% APR cap under the Military Lending Act, which illustrates both the importance of bipartisan legislative design and the reality that even well-intentioned caps can reduce access at the margins. Recent Federal Reserve research on state usury caps reinforces this concern: when interest rate ceilings are imposed, credit to higher-risk borrowers contracts, credit to lower-risk borrowers expands, and delinquency rates do not meaningfully improve. In other words, credit is reallocated, not necessarily improved. Even a "temporary" cap may have durable consequences. Issuers that exit certain segments or reduce credit lines are not obligated, and may not be economically inclined, to restore them once the cap expires. Credit score impacts and reduced access can linger well beyond the formal life of the policy. As Calderon put it, blunt price controls are a chainsaw when what is needed is a scalpel. Affordability in Context: What Drives Household Budgets? An additional consideration is scale. Research recently highlighted by the Consumer Bankers Association shows that the fastest-growing household expenses from 2013–2024 were healthcare, shelter, food, and vehicles. Credit card interest represents a relatively small share of average household expenditures. This does not minimize the pain of high APRs, especially for households carrying persistent balances, but it does raise an important structural question: can credit card rate caps meaningfully solve broader affordability challenges rooted in housing, medical costs, food inflation, and transportation? Credit cards are often the mechanism households use to cope with those rising costs. Constraining access to that liquidity may exacerbate, rather than relieve, financial stress. The Credit Card Competition Act: Structural Reform or Indirect Price Control? The second proposal we discussed, the Credit Card Competition Act (the "CCCA"), takes a different approach. Rather than capping interest rates, the CCCA would require large issuers to offer merchants at least two unaffiliated network routing options (only one of which could be Visa or Mastercard). The theory is that routing competition would reduce interchange fees ("swipe fees"), lowering merchant costs and ultimately consumer prices. Merchants have generally supported the proposal. Banks and card issuers have strongly opposed it. The consumer-facing promise is straightforward: lower merchant fees should translate into lower retail prices, but history complicates that assumption. The Durbin Amendment to the Dodd-Frank Act imposed caps on debit card interchange fees for large issuers and included routing requirements. While interchange revenue declined, Calderon pointed out that empirical evidence suggests that cost savings were not consistently passed through to consumers in the form of lower prices. At the same time, banks offset lost revenue through higher account fees and reduced benefits. A similar dynamic could unfold in the credit card market. Interchange revenue helps fund: •           Rewards programs •           Fraud detection and prevention •           Customer service infrastructure •           Risk management If that revenue is compressed, issuers may respond with tighter underwriting, reduced rewards, or new fee structures. As Calderon observed, although the CCCA operates through indirect price pressure rather than a direct APR ceiling, downstream effects could look similar. Distinguishing Populist Framing From Durable Reform Both the rate cap and the CCCA are framed as pro-consumer, populist reforms. The political appeal is clear, but distinguishing headline appeal from durable consumer benefit requires careful analysis. Calderon suggested several guideposts policymakers should consider: •                 Access – Does the reform preserve or expand access for low- and moderate-income borrowers? •                 Incidence – Who actually captures the gains? Consumers, merchants, intermediaries, or some combination? •                 Substitution effects – Does the policy push consumers toward higher-cost, less-regulated alternatives such as payday or fringe products? •                 Durability – What happens after implementation? Do markets rebound, or do credit line reductions and underwriting changes persist? These questions are not ideological. They are structural. Affordability and access are not opposing values. The policy challenge is designing reforms that alleviate financial strain without narrowing the regulated credit tools families rely on when emergencies arise. The Bottom Line Affordability concerns are real. Rising APRs are real. Financial stress among many households is real. But blunt price caps may reduce rates on paper while reducing access in practice. Structural competition mandates may promise savings that do not materialize at the checkout counter. Durable consumer protection requires careful calibration — the scalpel, not the chainsaw. For industry participants, policymakers, and advocates alike, the takeaway is straightforward: evidence and market mechanics matter. Populist framing may win headlines, but long-term financial stability depends on policy design that accounts for how credit markets actually function. As always, we will continue to monitor these proposals and their evolution in Congress and the Administration.  It may be noteworthy that President Trump did not mention either proposal during his almost two-hour State of the Union Address on January 24th. 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.

What if your cycle has been waving red flags for years… and no one has pointed them out?If you've been told “everything looks normal” but you're still not pregnant, your cycle may be telling a very different story. Subtle signs like late ovulation, short luteal phases, spotting before your period, missing cervical mucus, or erratic basal body temperatures can signal hormone imbalances, thyroid dysfunction, inflammation, gut issues, or stress patterns long before labs or ultrasounds ever show a diagnosis.In this episode you'll learn...-Identify early warning signs of hormone and ovulation dysfunction directly from your chart-Understand why normal lab results don't always equal optimal fertility-Learn how to use cycle tracking as real-time data to guide faster, smarter interventionsPress play now to learn how to decode your cycle and uncover hidden fertility red flags before they delay your dream of pregnancy.

The Ochelli Effect 3 4 26 Larry Hancockayatold-Yah-So War WERE DECLARED? Israel Leads the Charge, America will settle the Tab..seems like the CIA is arming the Kurds hoping that will take down the Iranian govt.arming a counter religious group always works well in taking down a religious regimeCheck The Notes and Play a Game of Risk that Has No Australia in game.How does author Larry Hancock see it in REAL time?---REF LINKS MOSTLY from Larryhttps://www.twz.com/news-features/strikes-hobble-iranian-missile-threat-as-concerns-over-interceptor-stockpile-mounthttps://www.aljazeera.com/news/2026/3/4/nearly-66000-afghans-displaced-amid-fierce-fighting-on-pakistan-border-unhttps://www.kpler.com/blog/strait-of-hormuz-disruption-which-container-vessels-are-trapped-waiting-or-divertinghttps://www.bbc.com/news/live/c62gg44d53xthttps://www.nbcnews.com/business/economy/shipping-slows-crawl-strait-hormuz-threatening-snarl-international-tra-rcna261797https://www.chathamhouse.org/2026/03/afghanistan-and-pakistan-are-facing-open-war-de-escalation-neededhttps://youtu.be/5xkDZFczi5U?si=-B82yKuOImHA3ZVDhttps://www.twz.com/news-features/u-s-submarine-sinks-iranian-warship-in-the-indian-ocean---LARRY HANCOCK:https://larryhancock.wordpress.com/https://aarclibrary.org/larry-hancock-archive/Oswald Puzzle: Reconsidering Lee Harvey Oswald https://www.amazon.com/Oswald-Puzzle-Reconsidering-Lee-Harvey/dp/1510783407BE THE EFFECTfor Ochelli and The NetworkMrs.OLUNA ROSA CANDLEShttp://www.paypal.me/Kimberlysonn1---Listen/Chat on the Sitehttps://ochelli.com/listen-liveTuneInhttp://tun.in/sfxkxAPPLEhttps://music.apple.com/us/station/ochelli-com/ra.1461174708Without YOUR support we go silent.BE THE EFFECTListen/Chat on the Sitehttps://ochelli.com/listen-live/TuneInhttp://tun.in/sfxkxAPPLEhttps://music.apple.com/us/station/ochelli-com/ra.1461174708Ochelli Link Treehttps://linktr.ee/chuckochelliAnything is a blessing if you have the meansWithout YOUR support we go silent

The largest American military base in the Middle East is in the small Gulf nation of Qatar. Special correspondent Leila Molana-Allen reports from Doha as the U.S. war with Iran widens. PBS News is supported by - https://www.pbs.org/newshour/about/funders. Hosted on Acast. See acast.com/privacy

Realities Remixed, formerly know as Cloud Realities, launches a new season exploring the intersection of people, culture, industry and tech.Business messaging is transforming customer engagement by enabling brands to move conversations into familiar, always‑on messaging platforms. The result for customers is greater convenience, quicker resolutions, and more meaningful, personalized interactions. This week, Dave, Esmee, and Rob are joined by Kathleen Tandy, Global Director and Head of Business Messaging Marketing and WhatsApp for Business at Meta , to explore how companies are using messaging platforms to engage customers, what customers expect from these experiences, and the challenges of scaling messaging in tech.TLDR00:35 – Introduction01:00 –  Hang out: The new Remarkable05:25 – Dig in: Using messaging to enhance customer experiences20:49 – Conversation with Kathleen Tandy55:26 – The passion for college football and championship weekend!GuestKathleen Tandy: https://www.linkedin.com/in/kptandy/HostsDave Chapman: https://www.linkedin.com/in/chapmandr/Esmee van de Giessen: https://www.linkedin.com/in/esmeevandegiessen/Rob Kernahan: https://www.linkedin.com/in/rob-kernahan/ProductionMarcel van der Burg: https://www.linkedin.com/in/marcel-vd-burg/Dave Chapman: https://www.linkedin.com/in/chapmandr/ SoundBen Corbett: https://www.linkedin.com/in/ben-corbett-3b6a11135/Louis Corbett:  https://www.linkedin.com/in/louis-corbett-087250264/ 'Realities Remixed' is an original podcast from Capgemini

One of the most consequential decisions a CFO will make is selecting and implementing an enterprise resource planning (ERP) platform. Yet beyond vendor comparisons and licensing costs lie hidden risks—customization overruns, stalled implementations, legacy system constraints, and organizational change fatigue.In this episode of The CFO Show, Melissa Howatson speaks with Harpal Mattu, FCMA, Managing Director at Agilyx Group, about what truly determines ERP success or failure. Drawing on decades of experience guiding global ERP transformations, Harpal shares practical lessons from both high-performing implementations and recovery projects where things went wrong.Together, they discuss:The true total cost of ERP ownership beyond implementation feesWhy excessive customization creates “Frankenstack” environmentsWhen to adapt your processes versus customizing the systemHow to structure ERP programs to reduce risk and avoid burnoutPhasing vs. “big bang” go-lives—and what CFOs must protectWhy change management must begin before system selectionThe evolution of ERP from system of record to system of reasoningWhether you're modernizing a legacy ERP, evaluating new platforms, or leading a finance transformation initiative, this conversation offers a strategic lens for navigating ERP decisions with confidence and discipline.

In this episode of The International Risk Podcast, Dominic Bowen speaks with Dr Rupert Stuart-Smith about the rapid expansion of climate litigation and what it means for corporate strategy, financial stability, and international risk. The discussion explores how climate lawsuits have evolved from targeted environmental challenges into a structural feature of the climate transition, reshaping legal duties, redistributing financial exposure, and creating new forms of liability for governments, corporations, and financial institutions.The conversation highlights how climate litigation is not confined to fossil fuel producers alone. While major emitters remain central targets, claims are increasingly extending to banks, investors, and companies across the economy whose strategies are misaligned with the goals of the Paris Agreement. He explains how advances in attribution science are allowing courts to trace emissions through to specific climate harms, strengthening causal arguments and narrowing the space for uncertainty-based defences. Even where claims are unsuccessful, companies face material consequences through legal costs, reputational damage, investor scrutiny, and heightened disclosure obligations.Find out more about how courts are beginning to accept, in principle, that corporations may bear proportional responsibility for climate impacts, and how this possibility is reshaping risk assessments. The episode examines the implications of cases against companies such as RWE and Shell, as well as emerging litigation targeting financial institutions for the emissions they indirectly finance. It considers whether investors are "flying blind" in the face of evolving liability standards and how fragmented jurisdictional approaches complicate global risk modelling.Dr Rupert Stuart-Smith is Deputy Director of Climate Science and the Law and Senior Research Fellow at the Oxford Sustainable Law Programme at the University of Oxford. His research sits at the intersection of climate science, legal accountability, and financial risk. In addition to his academic research, Rupert has advised international legal bodies, including the Inter-American Court of Human Rights, on the role of climate science in judicial decision-making.The International Risk Podcast brings you conversations with global experts, frontline practitioners, and senior decision-makers who are shaping how we understand and respond to international risk. From geopolitical volatility and organised crime, to cybersecurity threats and hybrid warfare, each episode explores the forces transforming our world and what smart leaders must do to navigate them. Whether you're a board member, policymaker, or risk professional, The International Risk Podcast delivers actionable insights, sharp analysis, and real-world stories that matter.The International Risk Podcast is sponsored by Conducttr, a realistic crisis exercise platform. Conducttr offers crisis exercising software for corporates, consultants, humanitarian, and defence & security clients. Visit Conducttr to learn more.Dominic Bowen is the host of The International Risk Podcast and Europe's leading expert on international risk and crisis management. As Head of Strategic Advisory and Partner at one of Europe's leading risk management consulting firms, Dominic advises CEOs, boards, and senior executives across the continent on how to prepare for uncertainty and act with intent. He has spent decades working in war zones, advising multinational companies, and supporting Europe's business leaders. Dominic is the go-to business advisor for leaders navigating risk, crisis, and strategy; trusted for his clarity, caTell us what you liked!

A suspected U.S. exploit kit shows up in global iOS attacks. Facebook goes down briefly worldwide. A critical help-desk flaw enables remote code execution. Juniper PTX routers face a major bug. LastPass warns of phishing. Telegram becomes a cybercrime marketplace. Healthcare groups fight relaxed IT rules. A stolen Gemini API key runs up massive bills. CISA's CIO departs. Our guest is Brian Long, CEO and Co-Founder of Adaptive Security, discussing how AI is reshaping social engineering. The problem of posthumous profiles.  CyberWire Guest Today on our Industry Voices segment we are joined by Brian Long, CEO and Co-Founder of Adaptive Security, discussing how AI is reshaping social engineering. If you want to hear the full conversation, listen to it here. Selected Reading Possible U.S.-developed exploits linked to first known ‘mass' iOS attack (CyberScoop) Facebook accounts unavailable in worldwide outage (Bleeping Computer) Critical FreeScout Vulnerability Leads to Full Server Compromise (SecurityWeek) Juniper PTX Routers at Risk, Critical Takeover Flaw Disclosed (BankInfo Security) LastPass Warns of New Phishing Campaign (SecurityWeek) Telegram Increasingly Used to Sell Access, Malware and Stolen Logs Hackread) Groups Push Back on HHS' Proposed Health IT Rollbacks (BankInfo Security) Dev stunned by $82K Gemini API key bill after theft (The Register) CISA CIO Robert Costello exits agency (CyberScoop) Calls for Global Digital Estate Standard as Posthumous Deepfake Fraud Risk Grows (Infosecurity Magazine) Share your feedback. What do you think about CyberWire Daily? Please take a few minutes to share your thoughts with us by completing our brief listener survey. Thank you for helping us continue to improve our show. Want to hear your company in the show? N2K CyberWire helps you reach the industry's most influential leaders and operators, while building visibility, authority, and connectivity across the cybersecurity community. Learn more at sponsor.thecyberwire.com. The CyberWire is a production of N2K Networks, your source for strategic workforce intelligence. © N2K Networks, Inc. Learn more about your ad choices. Visit megaphone.fm/adchoices

They say money can't buy happiness...But it can buy a place where your family builds memories for decades.This was filmed the same day as our dream home reveal — but this isn't the polished tour.This is a real conversation about what it actually takes to build something that lasts.Because here's the part most people don't understand: Risk comes before reward.Before the generational home… there were bets. Before the “wow”… there were reinvestments that felt scary. Before the fruit… there were seasons where we wondered if we were crazy (only for a second though).Most people see the house. They don't see the risk that came first.If you're in a risk season right now: this is for you.

"I truly worry about the impact that scary claims like this can make on people's relationships with food and their bodies."Bold headlines about weight loss and health risks seem to be everywhere these days. In this episode, I unpack a meta-analysis claiming intentional weight loss may be associated with a reduced risk of all-cause mortality by 15% and explain what the research actually says, what it leaves out, and why the headlines don't tell the full story. I also share the emotional impact these messages can have, especially if you're struggling with food and body image, and break down the limitations of the most-cited study.What You'll Learn:How to critically analyze bold claims about weight loss and healthWhy headlines about weight and mortality are often more misleading than they seemWhat the Look AHEAD study really found (and why its impact on the meta-analysis matters)Why intentional weight loss rarely leads to the dramatic results diet culture promisesHow research often gets twisted or oversimplified to create anxiety around eating, body size, and healthSimple steps you can take to chip away at internalized anti-fat bias and widen your perspectiveResources:Meta-Analysis: Intentional weight loss and all-cause mortality: a meta-analysis of randomized clinical trialsLook AHEAD Study: Cardiovascular Effects of Intensive Lifestyle Intervention in Type 2 DiabetesGrab the Hunger & Fullness Scale Guide at DietCultureRebel.com/hungerfullnessscale and take your next step toward building trust with your body and food.Connect with me over on Instagram at @diet.culture.rebel.Struggling with food, but not sure where to start?You don't have to feel 100% ready to get support. If you're tired of obsessing over food or feeling stuck in the diet cycle, my team of Registered Dietitians is here to help. We offer one-on-one nutrition counseling—and we accept insurance! Spots are limited, so head to https://dietculturerebel.com/insurance to see if we're covered in your state and learn how to get started.

Some scandals might be offensive!! PLUS, Shaun and Kent Heckenlively, author of Catastrophic Disclosure: The Deep State, Aliens, and the Truth, debate if aliens are the ultimate red pill and what the government has been hiding from us all along. Jeff Nydegger, Co-Founder and CEO at Jeff Buys Your House, tells Shaun how his service makes selling your house easy and hassle-free by purchasing your house as-is, and eliminating commissions, showings and market uncertainty! And Robert Bortins, CEO of Classical Conversations and author of the new book Woke and Weaponized: How Karl Marx Won the Battle for American Education, and How We Can Win It Back, tells Shaun that the public school system is not reformable as they are not teaching knowledge, but activism, and advocates for parents and communities to take schooling back through home school.See omnystudio.com/listener for privacy information.

After every major run-up comes a correction – and after every correction, serious investors ask the same question:What should I be doing now?Directed IRA founder Mat Sorensen will host Tillman Holloway, Founder & CEO of Arch Public, and Arch Public co-founder Andrew Parish for a practical conversation on the current state of crypto markets and how disciplined investors are thinking about portfolio positioning after recent volatility.In this session, we'll cover:- What historically happens after major crypto market corrections- How algorithmic trading strategies respond to volatility- Risk management considerations for digital asset portfolios- Portfolio allocation between BTC, ETH, and other assets- Using IRAs and Solo 401(k)s for tax-advantaged crypto exposure- Common mistakes investors make after sharp pullbacksThis will be a focused, data-driven discussion about structure, discipline, and long-term strategy.If you currently hold crypto, or are evaluating your allocation, this is a timely conversation you won't want to miss.Arch Public Home: https://archpublic.com/?v=0b3b97fa6688Directed IRA's Crypto IRA: https://directedira.com/cryptocurrency/SDIRA Summit: https://sdirasummit.com/Directed IRA Homepage: https://directedira.com/ Directed IRA Explore (Linktree): https://linktr.ee/SelfDirectedIRA Book a Call: https://directedira.com/appointment/ Other:Mat Sorensen: https://matsorensen.com & https://linktr.ee/MatSorensen KKOS: https://kkoslawyers.comMain Street Business https://mainstreetbusiness.com

A friendly 40-yard dash bet turns into a sharp tour of modern power: how a U.S. submarine torpedoed an Iranian warship, why CENTCOM is shifting from standoff missiles to stand-in precision, and what that means for accuracy, inventories, and momentum. We walk through the real math of drone warfare and cost exchange, explain how localized air superiority changes targeting, and break down why keeping the Strait of Hormuz open isn't just maritime theater—it's leverage that lands hardest on China's energy supply.We connect the dots between U.S. energy independence, China's dependence on Gulf crude, and the strategic bet that Beijing won't escalate if it risks choking its own oil lifeline. Then we look at the other battlefield: public support. Polls show backing rises if timelines are measured in weeks, not months, which helps explain the throttle-up on precision and pressure. Risk remains real—casualties, miscalculation, and an entrenched IRGC—but timing, targeting, and narrative clarity could define whether this campaign stabilizes or spirals.On the home front, a Supreme Court move resets the debate over parental rights in schools, with district policies in places like Santa Fe, Albuquerque, and Las Cruces now likely to face challenges. We also tackle voter ID momentum—especially among Hispanic voters—arguing that proof-of-citizenship at registration and valid ID at the polls can strengthen trust without depressing turnout. Finally, Texas primaries deliver a turnout shock and a faith-versus-framing clash that may reshape the general, while national indicators tick toward competitive: improving sentiment on the economy, a 50–50 generic ballot, and a presidential approval number that could swing on foreign policy outcomes.If you're tracking Iran strategy, energy geopolitics, school policy, voter integrity, and election signals in one place, this conversation lays out the map. Listen, share with a friend who loves smart, unscripted analysis, and leave a quick review so more curious people can find the show.Website: https://www.nodoubtaboutitpodcast.com/Twitter: @nodoubtpodcastFacebook: https://www.facebook.com/NoDoubtAboutItPod/Instagram: https://www.instagram.com/markronchettinm/?igshid=NTc4MTIwNjQ2YQ%3D%3D

On his 14th Ask Me Anything episode, Jesse tackles a set of listener questions that expose the messy, real-world edges of financial planning—where tax rules, behavioral tendencies, and long-term strategy collide. He begins by unpacking a nuanced withdrawal-order debate, explaining why the "optimal" sequence between taxable, tax-deferred, and Roth accounts depends less on rigid rules and more on tax brackets, future income expectations, and optionality over time. From there, he walks through a detailed case involving concentrated stock risk and diversification timing, illustrating how capital gains, risk tolerance, and psychological comfort all factor into decisions that can't be reduced to a single formula. Jesse also addresses the role of Roth conversions in managing lifetime tax liability, carefully outlining when accelerating taxes makes sense—and when it's simply complexity masquerading as strategy. Throughout the episode, he reinforces a consistent theme: financial planning is about managing tradeoffs under uncertainty, not chasing theoretical perfection. By blending technical tax insight with behavioral realism, Jesse shows listeners how to think clearly about multi-year tax strategy, investment risk, and withdrawal flexibility—so decisions today improve both mathematical outcomes and peace of mind tomorrow. Key Takeaways: • Roth conversions are powerful but situational. They're best used in a "Goldilocks" situation—when the time is just right! • Many financial decisions require balancing math and psychology. Risk tolerance is both emotional and financial. • Tax brackets create planning opportunities across time. Lifetime tax arbitrage is central to retirement planning. • Multi-year projections reveal better strategies than single-year snapshots. • Diversification is risk management, not just performance enhancement. • Market predictions should all end with "but, I don't know." Key Timestamps: (01:57) – How Do Dividends Work? (08:52) – Individual Bonds vs. Bond Funds? (18:39) – Is Tax Planning Just a Way for the Rich to Not Pay Their Fair Share? (23:09) – Is an "Opportunity Fund" a Bad Idea? (27:18) – Is Tax-Loss Harvesting a Real Strategy? (32:04) – Should Financial Planners Be Setting Goals and Priorities for Clients? (34:59) – Should You Even Hire a Financial Advisor? (36:19) – Are Roth Conversions Oversold? (41:55) – Why Would You Hire an AUM Advisor? (48:29) – Isn't Rebalancing Just Selling the Good and Buying the Bad? (50:50) – Why Would We Listen to Market Commentary? Key Topics Discussed: The Best Interest, Jesse Cramer, Wealth Management Rochester NY, Financial Planning for Families, Fiduciary Financial Advisor, Comprehensive Financial Planning, Retirement Planning Advice, Tax-Efficient Investing, Risk Management for Investors, Generational Wealth Transfer Planning, Financial Strategies for High Earners, Personal Finance for Entrepreneurs, Behavioral Finance Insights, Asset Allocation Strategies, Advanced Estate Planning Techniques Mentions: https://bestinterest.blog/bonds-vs-bond-funds/ Episode 81: https://open.spotify.com/episode/0JVTRYN8HBrgTI4EhVZglk?si=8183fd564b3b4b56 Episode 124: https://open.spotify.com/episode/5ymIVeacL6et7sBTznzBxw?si=ff4b505ac9dc4149 Episode 127: https://open.spotify.com/episode/2HKGOmdOjWoUPrEkDYz7L4?si=8596295fa38541f8  More of The Best Interest: Check out the Best Interest Blog at https://bestinterest.blog/ Contact me at jesse@bestinterest.blog Consider working with me at https://bestinterest.blog/work/ The Best Interest Podcast is a personal podcast meant for education and entertainment. It should not be taken as financial advice, and is not prescriptive of your financial situation.

Employee handbooks are more than just paperwork, they are a strategic tool for protecting your practice and aligning your team. In this episode, ByrdAdatto's newest partner, Grace Lee, breaks down how to create employee handbooks that actually work for medical practices. Discover why generic templates can put you at risk and how to handle PTO, harassment and remote work policies. Tune in to protect your practice, align your team, and reduce costly employment disputes.Chapters00:00 Intro00:48 Banter04:33 Guest background 07:06 What is an employee handbook?07:52 When should a practice adopt an employee handbook?10:36 Do employee handbooks cover harassment, discrimination, and safety?12:49 What legal protection does an employee handbook offer?18:00 What risks could a practice face without an employee handbook?22:05 What are best practices for onboarding and training new hires?25:55 Access+27:08 Legal Takeaways29:24 OutroWatch full episodes of our podcast on our YouTube channel: https://www.youtube.com/@byrdadatto Stay connected for the latest business and health care legal updates:WebsiteFacebookInstagram

The MSP market is undergoing a critical shift toward risk management as the central value proposition, with operational accountability now defined by the ability to produce defensible documentation and deliver rapid incident response. According to Dave Sobel, MSPs are no longer primarily offering stack management, but are increasingly brokering risk through cyber warranties, insurance underwriting, incident retainers, and AI governance frameworks. Those unable to support their claims with evidence and formal processes risk becoming mere facilitators for third-party terms and losing control over their margins. Recent developments reinforce this shift. A Splunk report finds that nearly all CISOs now view AI governance and risk management as their responsibility, citing threat actor sophistication as a primary driver. AI is assisting with event triage and data correlation, but verification—especially around AI-generated content—is unreliable, with detection tools struggling against advanced fakes. Insurance mechanisms are becoming productized with prioritized incident response, and legal intelligence is being embedded into MSP workflows. Vendors like N-able, Monjur, SentinelOne, and DocuSign are directly integrating financial, legal, and governance functions into their offerings, fundamentally altering client and vendor relationships. Adjacent stories illustrate volatility in traditional safeguards and the operational reality of adaptive threats. CISA leadership changes indicate instability in public response institutions. AI-powered malware exemplifies the challenge: ESET's PromptSpy uses Gemini to continuously adapt its persistence, outpacing static detection models. Insurance underwriters are increasingly demanding machine-verifiable evidence of controls, using detailed questionnaires to distinguish autonomous AI from marketing claims. The risk is no longer just technical; it is structural. For MSPs and IT leaders, operational posture is now shaped by an ecosystem of embedded warranties, legal terms, governance requirements, and adaptive threats. The ability to document, defend, and productize risk controls becomes a baseline for credibility and insurance eligibility. Failure to build evidence pipelines and clarify vendor-imposed liabilities exposes service providers to compounded risk. The practical implication is a necessity for MSPs to treat governance and detection as measurable, documented capabilities—not assumptions or routine paperwork. Three things to know today: 00:00 CISOs Own Governance, Detectors Lag Fakes, Response Gets Contracted — Accountability Follows 03:14 N-able, SentinelOne, DocuSign Move Risk Management Into the Stack — MSP Terms Follow 05:10 CISOs Want Agentic AI, But Insurers and Adaptive Malware Are Forcing the Timeline 07:32 Why Do We Care?  Supported by:  CometBackUpSmall Biz Thoughts Community

More To The Story: US and Israeli military strikes against Iran that killed several of the country's top officials, including longtime supreme leader Ayatollah Ali Khamenei, have ushered in a new and unpredictable era in the Middle East. Within hours, Iran retaliated, striking US allies across the Persian Gulf, including US embassies and a military operations center in Kuwait. At least six US service members had been killed. In Iran, days of military strikes have reportedly killed hundreds of people, including dozens of girls at an elementary school. Davar Ardalan knows Iran inside and out. She lived in the country before the Islamic Revolution, when it was ruled by the shah, and afterward, when it was run by the country's ayatollahs. For more than two decades, she was a journalist at NPR, where she produced major stories about the country. She's also the author of My Name Is Iran: A Memoir, which highlights three generations of women living in both Iran and the US during times of revolution. On this week's episode, Ardalan examines how Iranians inside the country are reacting to the ever-widening conflict, the long history of outside intervention in the region, and who might lead the country moving forward.Producer: Josh Sanburn | Editor: Kara McGuirk-Allison | Theme music: Fernando Arruda and Jim Briggs | Copy editor: Nikki Frick | Digital producer: Artis Curiskis | Deputy executive producer: Taki Telonidis | Executive producer: Brett Myers | Executive editor: James West | Host: Al LetsonRead: What a War Powers Resolution Vote on Iran Actually Means (Mother Jones)Listen: Jeffrey Goldberg on Signalgate, Pete Hegseth, and the Risk of WWIII (More To The Story)Read: My Name Is Iran: A Memoir (Holt) Donate today at Revealnews.org/more Subscribe to our weekly newsletter at Revealnews.org/weekly Follow us on Instagram and Bluesky Learn about your ad choices: dovetail.prx.org/ad-choices

Ria Spencer, Mindy Myers and Josh Connors share stories about learning to feel at home in your body.

Severe vitamin D deficiency is linked to a sharply higher risk of hospitalization for respiratory infections such as bronchitis and pneumonia, turning common illnesses into serious medical events Adults with the lowest vitamin D levels face worse outcomes after pneumonia, including a much higher risk of dying months after hospital discharge, even when initial illness appears mild Higher vitamin D levels are associated with fewer everyday respiratory infections like colds and flu, reducing how often illness disrupts work, sleep, and daily life Vitamin D deficiency is widespread, often silent, and driven by limited sunlight exposure and modern indoor lifestyles, making it a correctable risk factor rather than an unavoidable one Combining systemic immune support from vitamin D with early, localized airway defenses helps stop respiratory infections from gaining momentum before they escalate