Podcasts about Substitution

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Stay informed on current events, visit www.NaturalNews.com  - Introduction to Natural Abundance (0:10) - Natural Abundance in the Human Body (6:58) - Energy and Intelligence from Natural Abundance (13:47) - The Law of Substitution and Transcendence (20:33) - The Role of Human Governments and Institutions (27:00) - The Importance of Natural Abundance in Health and Wealth (33:46) - The Role of Gold and Silver in Financial Security (39:48) - The Impact of Natural Catastrophes on Earth's History (46:34) - The Role of Impact Phenomena in Natural Catastrophes (53:46) - The Importance of Studying Natural Catastrophes (1:00:37) - Comet Impact on the Sun (1:06:58) - Discussion on Comet Impact and Solar Response (1:14:01) - Periodic Flux of Comets and Historical Evidence (1:21:28) - Impact of Climate Change and Political Intervention (1:28:37) - Historical Climate Change and Its Impact (1:35:03) - The Role of Carbon Dioxide and Climate Change (1:41:44) - The Tunguska Event and Its Implications (1:48:05) - The Importance of Preparedness and Respect for Uncertainty (1:54:13) - The Role of Education and Alternative Models (2:00:40) - The Future of Education and Knowledge Decentralization (2:07:15) Watch more independent videos at http://www.brighteon.com/channel/hrreport  ▶️ Support our mission by shopping at the Health Ranger Store - https://www.healthrangerstore.com ▶️ Check out exclusive deals and special offers at https://rangerdeals.com ▶️ Sign up for our newsletter to stay informed: https://www.naturalnews.com/Readerregistration.html Watch more exclusive videos here:

In dieser Sommer-Episode spricht Dr. Alena Pichler vom Wunschbaby Institut Feichtinger in Baden über die Frage, ob die warme Jahreszeit die Fruchtbarkeit und die Erfolgsquoten der künstlichen Befruchtung beeinflusst. Tatsächlich gibt es Hinweise auf leicht bessere IVF-Raten im Sommer -- der Grund liegt aber weniger in der Jahreszeit selbst als in den begleitenden Lifestyle-Faktoren: mehr Sonnenlicht und damit mehr Vitamin D, ein besserer Schlafrhythmus, mehr Bewegung und eine gesündere, mediterrane Ernährung. Dr. Pichler erläutert, warum Vitamin D für Eizellqualität und Einnistung relevant ist, weshalb fast jede Patientin einen Mangel mitbringt und wann eine Substitution sinnvoll ist. Außerdem geht es um den Einfluss von Hitze -- extreme Hitzewellen können sowohl die Spermienqualität als auch eine laufende Stimulationsbehandlung belasten. Ihr klares Fazit: Der saisonale Effekt ist messbar gering, viel entscheidender sind Alter, Eizellqualität und Spermiogramm. Mit einer Behandlung bis zum Sommer zu warten, ist daher keine gute Idee -- die guten Sommer-Gewohnheiten sollte man stattdessen einfach das ganze Jahr über beibehalten. ▬▬▬▬▬▬▬▬▬▬▬▬▬

Advanced Practice Nursing kommt in Deutschland an – aber wie langsam, wie uneinheitlich und was muss sich ändern? In dieser Episode sprechen wir mit zwei Pflegedirektorinnen über die neue Rahmenempfehlung des VPU und was sie für Kliniken, Pflegefachpersonen und die Versorgung bedeutet.In dieser Folge:Was Advanced Practice Nursing und Advanced Practice Midwifery bedeuten – und warum Deutschland beim Thema Substitution noch hinterherhinktWie das PEPPA-Framework bei der bedarfsorientierten Implementierung von APN-Rollen hilftWarum APNs mindestens 75 % ihrer Arbeitszeit in der direkten Patient:innenversorgung verbringen sollenWelche Infrastruktur Kliniken brauchen – von Mentoring über Datenbankzugang bis zu ForschungsstrukturenWo APN-Rollen über das Krankenhaus hinaus wirken könnten – Langzeitpflege, Prävention, ambulante VersorgungWichtige Links:Zum JobboardZum EventkalenderSchau dir unseren neuen Videokurs an!Jetzt Übergabe Mitglied werdenÜbergabe bei Instagram

When considering the health impact of foods, it is important to consider "compared to what?". Increasing the amount of a certain food or nutrient in the diet, typically implies a displacement of another. While comparisons are more obvious in trials, in epidemiology food substitution models can be useful to help us determine the health effects of increasing/decreasing intake of a food, food group or nutrient. However, these models are often misinterpreted and miscommunicated as if they are a game of "rock, paper, scissors", where one food beats another, and the losing food must be removed from the diet or considered harmful to health. In this episode we discuss the problem of treating substitution analyses as food-ranking contests, rather than context-dependent comparisons shaped by the comparator, the unit of substitution, the baseline diet, and the outcome being studied. Timestamps: [01:30] Misuse of "compared to what?" [06:39] What substitution models do [10:43] Specified vs unspecified substitution [16:57] Why the units used matter [26:45] Example: organic vs conventional produce [31:22] When substitutions are useful [34:35] If legumes beat fish, does that mean fish intake should be zero? [44:31] Naive vs bias-adjusted: artificial sweeteners case study [49:14] Checklist: how to interpret food substitution analyses Links: Go to episode page (all study references linked) Join the Sigma newsletter for free Subscribe to Sigma Nutrition Premium Subscribe to Alinea Nutrition Education Hub Enroll in the next cohort of our Applied Nutrition Literacy course Episode #472: Compared To What? Episode #589: Causal Inference in Nutrition Science – Daniel Ibsen, PhD

A 7-1 German demolition, a tactical masterclass turned substitution disaster for the Netherlands, and a goalscorer apologizing to his father's nation. Welcome back to the drama! Welcome to FUT IN REVIEW | World Cup Daily. Day 4 of the World Cup 2026 is officially in the books, and Shaq and John (who is battling the ultimate reverse-life jetlag) are here to break down a massive four-game slate completely unfiltered.The Bliss & The Bully: 78-year-old Dick Advocaat crying in the dugout during Curaçao's historic debut. Jurensley Comenancia scoring an unforgettable equalizer to rattle Germany for 10 glorious minutes, before Julian Nagelsmann's side turned ruthless in a 7-1 blowout.Koeman's Substitution Disaster: Recapping the 2-2 thriller between the Netherlands and Japan. John rants about Ronald Koeman throwing away a 2-1 lead during the commercial water break by subbing off all his speed (Malen, Summerville, Gakpo) for Memphis Depay and a defensive block.The Ivorian Diamond: How Ivory Coast broke Ecuador's 18-match unbeaten streak with a 1-1 thriller, featuring an electric performance from Jan Diamonde on the right wing.The Drama of Yasin Ayari: The 22-year-old Brighton midfielder scoring a thunderbolt for Sweden against Tunisia—the country of his father—and refusing to celebrate, before sealing a dominant 5-1 win.Day 5 Quick Predictions: Looking ahead to Spain vs. Cabo Verde, Belgium vs. Egypt, and Saudi Arabia trying to replicate their giant-killing magic against Uruguay.Unlock Every Episode Instantly: Don't miss a single second of our daily tournament coverage! Join our Patreon to unlock the daily episodes the exact second we finish recording, plus full access to our active Discord, Predictor Leagues, and the official World Cup Sweepstakes. Check us out at patreon.com/futinreview.Wake Up GPM's Office: Take 10 seconds to hit that 5-star review button on Spotify or Apple Podcasts. Every single review sets off a massive buzzer in Chris's house and keeps him awake to watch more live games!Pass the Aux Cord: Share this episode with a mate who is currently complaining about Ronald Koeman's tactical choices or buzzing over Sweden's firepower.Instagram: @futinreviewTikTok: @futinreviewpodcastWebsite: futinreview.comSee you tomorrow for Day 5 as Spain, Belgium, and Uruguay enter the chat. Goodbye!00:00 - Apologizing to Tunisia: The 15-Second Hook00:30 - Welcome to Day Four: John's Brutal Reverse-Life Jetlag01:09 - Game 1: Germany 7 - 1 Curaçao (Historical Tears & 10 Minutes of Bliss)02:34 - Age Gap: 78-Year-Old Dick Advocaat vs. 38-Year-Old Julian Nagelsmann03:52 - Is Joshua Kimmich at Right-Back Germany's Only Weakness?05:12 - Game 2: Netherlands 2 - 2 Japan (Tactical Chess & Sideways Passing)08:26 - Five At The Back: How Zion Suzuki Kept Japan Alive in the First Half10:52 - The Collapse: How the Commercial Hydration Break Cost Oranje the Match12:24 - Game 3: Ivory Coast 1 - 0 Ecuador (Breaking the 18-Match Unbeaten Streak)14:30 - Electric Jan Diamonde & Amad Diallo's Match-Winning Instincts16:18 - Game 4: Sweden 5 - 1 Tunisia (Graham Potter's Two-Striker Firepower)17:53 - Isak & Gyökeres Dominance: Rating the African Nations So Far19:54 - Baller of the Day: Jurensley Comenancia & Felix Nmecha's Dribbling Class22:11 - Bottler of the Day: Ronald Koeman Leaving Out Frimpong & Subbing Fit Strikers25:40 - The Fallacy of "Total Football" in Modern Tactical Zone Defenses27:49 - The Drama: Yasin Ayari (Sweden) Facing His Heritage & Classy Non-Celebrations29:10 - John's Unpopular Take: Football is Emotion, You MUST Celebrate inside the World Cup!30:32 - Day 5 Blockbuster Previews: Spain vs. Cabo Verde & Belgium vs. Egypt31:21 - Saudi Arabia vs. Uruguay: Can the Giant-Killers Do It Again?31:38 - Outro: Follow the Socials, Hit the 5-Star Button & See You Tomorrow!

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We hope you enjoy today's Scripture reading and devotional aimed at equipping you for moral and spiritual transformation. Today's Bible reading is Isaiah 53. To read along with the podcast, grab a print copy of the devotional. ESV Bible narration read by Dane C. Ortlund. Follow us on social media to stay up to date: Instagram Facebook Twitter

Big thanks to TryHackMe for sponsoring this video. Learn Cyber Security with Practical Labs on TryHackMe:https://tryhackme.com/DavidBombalTech Use my code DAVIDTECH25 to get 25% OFF on Annual Subscription! Dr. Mike Pound joins David Bombal to explain symmetric encryption, AES, secret keys, VPN encryption, TLS, block ciphers, stream ciphers and why encryption is one of the most important building blocks in modern cybersecurity. In this video, Mike explains what encryption actually does: it takes readable plaintext and turns it into unreadable ciphertext so that only someone with the correct secret key can decrypt it. He breaks down how symmetric encryption works, why the same key is used to encrypt and decrypt, and why algorithms like AES are used everywhere from secure websites and VPNs to BitLocker and full disk encryption. You'll learn why AES is so fast on modern CPUs, how keys interact with encryption algorithms, and why AES uses rounds of substitution and permutation to scramble data. Mike also explains the difference between block ciphers and stream ciphers, including AES, DES, Triple DES, ChaCha20 and older algorithms like RC4 and A5/1. The discussion also covers why symmetric encryption is used for bulk encryption in protocols like TLS and IPsec, why asymmetric encryption is used differently, and why you should never write your own encryption algorithm or implement your own AES code for real-world security. If you want to understand how encryption protects your data, how VPNs and secure web traffic work, and why AES is still one of the most important algorithms in cybersecurity, this is a great place to start. // Mike SOCIAL // X: / _mikepound YouTube Channel: / computerphile // YouTube Video REFERENCE //Password Cracking: Can a Rainbow table reverse a hashed password?: • Password Cracking: Can a Rainbow table rev... // David's SOCIAL // Discord: discord.com/invite/usKSyzb Twitter: www.twitter.com/davidbombal Instagram: www.instagram.com/davidbombal LinkedIn: www.linkedin.com/in/davidbombal Facebook: www.facebook.com/davidbombal.co TikTok: tiktok.com/@davidbombal YouTube: / @davidbombal Spotify: open.spotify.com/show/3f6k6gE... SoundCloud: / davidbombal Apple Podcast: podcasts.apple.com/us/podcast... // MY STUFF // https://www.amazon.com/shop/davidbombal // SPONSORS // Interested in sponsoring my videos? Reach out to my team here: sponsors@davidbombal.com // MENU // 0:00 - Coming Up 0:27 - TryHackMe Sponsor 0:49 - Intro 01:18 - Symmetric vs Asymmetric Encryption 04:38 - Key Exchange and VPN Analogy 06:10 - Examples of Symmetric Algorithms 08:56 - Advantages of Stream vs Block Cyber 10:31 - Deeper AES Explanation 14:34 - Substitution, Permutation, Mixing in AES 19:24 - Don't Implement your Own Encryption 20:16 - TryHackMe Sponsor - DEMO 24:21 - DES Algorithm and the NSA 26:01 - Where to Learn More about Encryption 27:42 - Outro Please note that links listed may be affiliate links and provide me with a small percentage/kickback should you use them to purchase any of the items listed or recommended. Thank you for supporting me and this channel! Disclaimer: This video is for educational purposes only. #symmetricencryption #aes #des

Accessibility in herbalism is not something extra or something nice-if-possible, it's a critical part of our work. The prices of the remedies we recommend can sometimes be a determining factor in whether our clients take them, or take them long enough to get results. In many cases we can identify less expensive herbs, or formulae of herbs, which can do the job of more costly ones. In order to make an effective substitution, we first need to clarify the qualities, actions, affinities, and other aspects of the herb for which we seek alternatives. Only then can we identify a good substitute.This episode includes thoughts and examples of potential substitutes for solomon's seal (Polygonatum biflorum), kava (Piper methysticum), Asian ginseng (Panax ginseng), dong quai (Angelica sinensis), teasel (Dipsacus fullonum), arnica (Arnica montana), chaga (Inonotus obliquus), goldenseal (Hydrastis canadensis), and schisandra (Schisandra chinensis).This is material we dig into deeply in our Accessible Herbalism course. That course is full of strategies and skills which enable herbalists to offer top-quality care to people who have constraints on their finances, time, energy, or community of support. It helps you understand the truth behind some of hte most common money-saving suggestions about herbalism and nutrition, so you can offer realistic suggestions which actually help people who need it most.Like everything we offer, it's a self-paced online video course. It comes with lifetime access to current & future course material, the twice-weekly live Q&A sessions with us, open discussion threads integrated in each lesson, an active student community, study guides, quizzes & capstone assignments, and more!If you enjoyed the episode, it helps us a lot if you subscribe, rate, & review our podcast wherever you listen. This helps others find us more easily. Thank you!Our theme music is “Wings” by Nicolai Heidlas.Support the showYou can find all of our online herbalism courses at online.commonwealthherbs.com!

No Substitutes Allowed June 7, 2026 Elwyn Johnston Exodus 20:1 - 3 Verse of the Week: “Love the Lord your God with all your heart and with all your soul and with all your mind” Matthew 22:37 1. Know WHO before WHAT “God spoke” Exodus 20:1 “I am the Lord your God, who brought you out of the land of Egypt, out of the house of slavery.” Exodus 20:2 Relationship needs to precede rules. 2. Don't block God's face “You shall have no other gods before Me.” Exodus 20:3 Anything you fear, trust, love, or obey more than God is an idol. “you are precious to me. You are honored, and I love you.” Isaiah 43:4 Live a life of commitment over convenience “This is My Son, whom I love. Listen to Him!” Mark 9:7 Time Finances Decision making Relationships

1. Sacrifice of atonement; 2. Substitution of sinners; 3. Saviour of the world.

Arsenal's Champions League final ended in the cruellest way possible.After a dramatic night in Budapest, Mikel Arteta's side fell to Paris Saint-Germain on penalties following a 1-1 draw across 120 minutes. Kai Havertz gave Arsenal the perfect start, PSG responded from the spot, and what followed was a tactical battle between Europe's most dangerous attack and one of the continent's strongest defensive units.In this Match Review episode, Elliott, Justin and JJ break down the final in full. They discuss Arsenal's game plan, Havertz's early goal, Gabriel's outstanding defensive performance, the key moments that shaped the contest and whether Arsenal showed too much respect to the reigning European champions.The panel also examine the major refereeing decisions, including the penalty awarded to PSG, Arsenal's late appeal involving Noni Madueke and the wider frustration surrounding the officiating on the night.There is a detailed discussion on Arteta's substitutions, the impact of Viktor Gyökeres, Gabriel Martinelli, Noni Madueke, Martin Zubimendi and Eberechi Eze, as well as Arsenal's approach during extra time as the game drifted towards penalties.The shootout itself is analysed, including Arsenal's misses, David Raya's role and the emotions of seeing European glory slip away after such a long and impressive campaign.Away from the final, the conversation shifts to the following day's Premier League champions parade. The hosts reflect on the scenes across North London, the reported 1.5 million supporters in attendance, Ben White's antics, Josh Kroenke's celebrations and what the day meant after the disappointment of Budapest.The episode closes with a broader reflection on Arsenal's 2025/26 season, the progress made under Arteta, the lessons learned from reaching a Champions League final and why the squad believe this journey is far from finished.Premier League Champions. Champions League Finalists. Proud of the journey.Chapters(00:00) - Arteta's Non-Negotiables & Intro(00:18) - Champions League Final Review & Season Reflection(02:13) - Morning After Emotions & Parade(06:46) - Arsenal's Premier League Champions Parade(07:57) - Ben White, Josh Kroenke & Parade Highlights(14:21) - Starting XI & Myles Lewis-Skelly's Historic Night(17:06) - 1-0 | Kai Havertz Gives Arsenal The Dream Start(20:06) - Havertz Chance Before Half-Time(22:15) - Arsenal's Defensive Display Against PSG(29:08) - 1-1 | Mosquera Penalty & Dembélé Equaliser(33:20) - Refereeing Controversies & Arsenal's Penalty Appeal(41:03) - Timber, Gyökeres & Arteta's Substitutions(44:03) - Martinelli, Madueke & Arsenal's Late Threat(46:07) - Extra Time, Zubimendi & Eze Enter The Fray(47:25) - PSG Settle For Penalties?(50:10) - Gyökeres' Blocked Chance & Arsenal's Final Opportunity(51:29) - Match Stats & Tactical Reflection(53:39) - Penalty Shootout Heartbreak(58:55) - Season Reflection: What Arsenal Achieved(01:01:38) - Lessons From Budapest & Looking Ahead(01:06:08) - Pride, Progress & Final Thoughts(01:07:18) - World Cup Discussion & Outro

1. Required by God's Justice 2. Required by God's love

Would you deliberately trade places with someone if it meant things would be worse for you? In this message, Lawrence Claire reflects on the word 'substitution', and what it means when someone or something takes our place. Lawrence Claire is the minister of Wilston Presbyterian Church, who meet every Sunday at 9:30am. You can find out more details about Wilston Presbyterian Church at their website - www.wilstonpc.org.au Discover more Rise 96.5 podcasts wherever you listen to podcasts, or at rise965.com/podcastsSupport the show: https://www.96five.com/donate/See omnystudio.com/listener for privacy information.

Choice Classic Radio presents Sherlock Holmes, featuring today's episode titled “The Darlington Substitution Case.” Please consider supporting our show by becoming a patron at http://choiceclassicradio.com We hope you enjoy the show!

Shelly has served the body of Christ as a Pastor for over 35 years. He is a bible teacher and conference speaker on the subjects of The Kingdom of God, The Mystery of Israel & The Church and for God’s people to be prepared in their hearts for the end of this age. https://shellyandjunevolk.com/Support the show: https://shellyandjunevolk.com/product/partner-with-us-psalm-127-fund/See omnystudio.com/listener for privacy information.

Shelly has served the body of Christ as a Pastor for over 35 years. He is a bible teacher and conference speaker on the subjects of The Kingdom of God, The Mystery of Israel & The Church and for God’s people to be prepared in their hearts for the end of this age. https://shellyandjunevolk.com/Support the show: https://shellyandjunevolk.com/product/partner-with-us-psalm-127-fund/See omnystudio.com/listener for privacy information.

Shelly has served the body of Christ as a Pastor for over 35 years. He is a bible teacher and conference speaker on the subjects of The Kingdom of God, The Mystery of Israel & The Church and for God’s people to be prepared in their hearts for the end of this age. https://shellyandjunevolk.com/Support the show: https://shellyandjunevolk.com/product/partner-with-us-psalm-127-fund/See omnystudio.com/listener for privacy information.

Shelly has served the body of Christ as a Pastor for over 35 years. He is a bible teacher and conference speaker on the subjects of The Kingdom of God, The Mystery of Israel & The Church and for God’s people to be prepared in their hearts for the end of this age. https://shellyandjunevolk.com/Support the show: https://shellyandjunevolk.com/product/partner-with-us-psalm-127-fund/See omnystudio.com/listener for privacy information.

Shelly has served the body of Christ as a Pastor for over 35 years. He is a bible teacher and conference speaker on the subjects of The Kingdom of God, The Mystery of Israel & The Church and for God’s people to be prepared in their hearts for the end of this age. https://shellyandjunevolk.com/Support the show: https://shellyandjunevolk.com/product/partner-with-us-psalm-127-fund/See omnystudio.com/listener for privacy information.

Is the "unsexy" side of real estate actually the most profitable? While most investors are getting burned in the "dumpster fire" of multifamily syndications or fighting over crowded RV parks and self-storage units, a quiet revolution is happening in small-bay industrial real estate. In this episode, we sit down with Graham Story and Jesse Durham, two North Carolina-based investors and brokers who have cracked the code on high-cash-flow industrial warehouses. From serving as an Army officer to navigating the world of CCIMs, Jesse and Graham share their "origin story" of moving from high-headache residential Airbnbs to the high-margin world of Triple Net (NNN) industrial leases. They break down the exact math of how they forced $175,000 in equity on a single building just by signing a lease, and why they prefer "mom and pop" tenants over big-box retailers. If you want to learn how to find deals on Facebook Marketplace, structure 10% down seller financing, and use the "substitution of collateral" hack to build a portfolio with zero money out of pocket, this is the episode for you. Key Topics Covered:The Multi-Family "Dumpster Fire" vs. Industrial: Why industrial is a "little-known" asset class that adds more zeros to your bottom line with less competition. Forced Appreciation Secrets: How a single $3,000/month lease jumped a property value from $250k to $425k instantly. The Power of Triple Net (NNN) Leases: Why you'll never have to worry about "toilets, tenants, and trash" when the tenant pays the taxes, insurance, and maintenance. Creative Financing 101: A breakdown of their "cookie-cutter" seller financing offer: 10% down, 5.5% interest, and a 25-year amortization. The "Substitution of Collateral" Hack: A rare commercial strategy that allows you to move debt between properties to keep buying more buildings. Finding Tenants on Facebook: Why Facebook Marketplace is outperforming LoopNet and Crexi for small-bay industrial spaces. Due Diligence Essentials: Why you need a "Phase 1" environmental report and why OSHA is not your friend. Small-bay industrial real estate is the "path of progress" for investors who want stable, long-term cash flow without the volatility of residential markets. Whether you are driving for dollars in your own backyard or looking to scale across the state, Graham and Jesse prove that you don't need millions to start—you just need the right niche. The Commercial Real Estate Blueprint Program is an 8-week cohort for people who want to start buying commercial real estate. Weekly group calls, a one-on-one strategy session, plus the templates and scripts Graham and Jesse use to source and close deals. You'll leave with a defined buy box, a working prospecting system, and the confidence to send your first LOI. The first cohort starts in early June and is capped at 10 spots. Apply at https://tally.so/r/0Q19LPWatch the Original VIDEO HERE!Book a Call With Scott HERE!Sign up for the next FREE One-Day Note Class HERE!Sign up for the WCN Membership HERE!Sign up for the next Note Buying For Dummies Workshop HERE!Love the show? Subscribe, rate, review, and share!Here's How »Join the Note Closers Show community today:WeCloseNotes.comThe Note Closers Show FacebookThe Note Closers Show TwitterScott Carson LinkedInThe Note Closers Show YouTubeThe Note Closers Show VimeoThe Note Closers Show InstagramWe Close Notes PinterestGet Signed Up For the Next Note Buying Workshop HERE!

Colt Emerson debuts in a snooze-fest. Right-handed trade options. Are the Mariners failing at the substitution game? The 5-star dive bar of Seattle Mariners podcasts that blends in-game analysis, news, rumors, pop-culture, history, and social media trolling into that perfect Mariners margarita. Plus weekly guests from the baseball and entertainment industry. Instagram:@ryebreadandmustardpodcast Youtube: @ryebreadandmustardpodcast X: @RandBPodcast TikTok:@ryebreadandmustardpod Email: ryebreadandmustardpodcast@gmail.com Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Schlafen, Blutanalyse, Substitution,

How to Use Active Listings in a CMA | Alberta Real Estate Exam Prep When preparing a Comparative Market Analysis (CMA), should you use only sold properties — or do active listings matter too? This is a very common Alberta real estate exam question, and it's also a real-world conversation you will constantly have with sellers. In this video from The Alberta Real Estate School, we break down: • Why SOLD properties are the foundation of a CMA • Why ACTIVE listings still matter when setting a listing price • How the Principle of Substitution impacts pricing strategy • Why overpriced listings help sell competing homes • How expired listings provide powerful evidence in pricing conversations • What to do when a seller insists on overpricing Here's the key distinction: ✔ CMA valuation is based primarily on SOLD properties — because those reflect actual market value. ❗ Active listings have asking prices — not sale prices — and may sell for less (or not sell at all). However… When you're discussing a listing strategy with a seller, you must also review: • Active listings (your competition) • Expired listings (proof of overpricing consequences) If a similar property next door is listed for $50,000 less, buyers will gravitate toward the lower-priced home. According to the Principle of Substitution, buyers choose comparable properties at the lowest price. An overpriced property doesn't just sit — it helps sell the competition. Understanding this balance is critical for: • Practice of Residential Real Estate • Alberta real estate licensing exams (RECA) • CMA exam questions • Listing presentations • Managing seller expectations • Avoiding long days on market This video also explains how to professionally handle sellers who want to price $100,000 over market value — and how to prepare them for potential price reductions if the property receives no showings or offers. At The Alberta Real Estate School, we don't just teach theory — we teach how to have these conversations confidently in real transactions. Subscribe for weekly Alberta real estate exam prep and practical listing strategies. Start your career in Real Estate today! Our courses equip you with the skills needed to pass your licensing exam in Alberta. Link in the comments.

This week, Landon and Jeremiah recap Austin FC's draw in Minnesota, then preview the upcoming matches against San Diego and Sporting Kansas City. Other questions and topics include:- Could have won, not should have won- Time to question the medical staff?- Penalty drama- Lots to like in the 1st half- Why the game changed in the 2nd half- Sometimes you eat the bar...- Substitution predicament- Lack of urgency on MIN's 2nd goal- San Diego Preview- Sporting Kansas City Preview- Free Parking at Amplify- much moreMoontower Soccer is brought to you by FVF LawSupport the show

Ce mardi 12 mai, Deniz Ünal, économiste au CEPII et spécialiste de la Turquie, était l'invitée d'Annalisa Cappellini dans Le monde qui bouge - L'Interview, de l'émission Good Morning Business, présentée par Erwan Morice. Ils sont revenus sur la situation de la Turquie compte tenu de l'affaiblissement d'un certain hub économique de la région dû aux tensions dans le Golfe. Retrouvez l'émission du lundi au vendredi et réécoutez la en podcast.

Today's show is sponsored by The Cost Segregation Guys. If you own investment real estate and haven't looked seriously at cost segregation, you could be leaving significant tax savings on the table. The Cost Segregation Guys help investors accelerate depreciation, improve near-term cash flow, and make more efficient use of capital, all without changing the underlying asset. In a business where preserving cash matters, that's worth paying attention to. If you're interested in learning more, click on the link in the show notes and you'll be able to connect with them directly, and qualify for a discount because you came from the show.  https://costsegregationguys.com/estateespressopodcast/------------We're talking about proposed changes to how inflation is calculated, and what that could mean under a new Fed Chairman, Kevin Warsh.Now, before we get into the implications, let's start with a simple premise. If you change how you measure something… you change the outcome. And if you change the outcome… you change the decisions that follow. That's exactly what's at stake here.The Fed pays attention to the Core Personal Consumptions Expenditures index (Core PCE). But both of these measures have… let's call them limitations.They rely heavily on statistical adjustments. Hedonic adjustments. Substitution effects. Owner's equivalent rent.These are not trivial details. These are structural assumptions baked into the data.For example, if steak becomes too expensive and consumers switch to chicken, the index assumes that substitution and dampens the measured inflation.But here's the problem. From a lived experience standpoint, people don't feel like inflation has gone down. They feel like their standard of living has declined.That disconnect between reported inflation and experienced inflation is one of the biggest credibility challenges facing central banks today.And that's where someone like Kevin Warsh could represent a shift. If a Warsh-led Fed were to move toward a more “common sense” measure of inflation—less adjusted, less modeled, more observable—you could end up with systematically higher reported inflation.------------**Real Estate Espresso Podcast:** Spotify: [The Real Estate Espresso Podcast](https://open.spotify.com/show/3GvtwRmTq4r3es8cbw8jW0?si=c75ea506a6694ef1)   iTunes: [The Real Estate Espresso Podcast](https://podcasts.apple.com/ca/podcast/the-real-estate-espresso-podcast/id1340482613)   Website: [www.victorjm.com](http://www.victorjm.com)   LinkedIn: [Victor Menasce](http://www.linkedin.com/in/vmenasce)   YouTube: [The Real Estate Espresso Podcast](http://www.youtube.com/@victorjmenasce6734)   Facebook: [www.facebook.com/realestateespresso](http://www.facebook.com/realestateespresso)   Email: [podcast@victorjm.com](mailto:podcast@victorjm.com)  **Y Street Capital:** Website: [www.ystreetcapital.com](http://www.ystreetcapital.com)   Facebook: [www.facebook.com/YStreetCapital](https://www.facebook.com/YStreetCapital)   Instagram: [@ystreetcapital](http://www.instagram.com/ystreetcapital)  

Support the show and get more from Analytics United: https://www.patreon.com/AnalyticsUnited Jack and Darcy break down West Ham's 3-0 loss to Brentford, discussing the front two of Pablo and Taty, counterpressing, the risks that come with it and the challenges that come after going behind to a team like Brentford. They talk what changed between the first and second halves to effect the game so much, Soucek's movement and passing and where an awful weekend of results leaves West Ham in the fight for survival. Timestamps: (00:00) Our reaction to an awful weekend of Premier League results (05:06) How the referee's performance affected the game (18:18) Can West Ham still escape relegation? (22:46) Why our pressing and counter-pressing worked initially (25:15) Pablo and Castellanos: Have they been good enough? (37:00) Tomáš Souček's importance to West Ham (40:06) Pushing further forward to help Jarrod Bowen and Crysencio Summerville create (44:48) What went wrong in the second half? (49:53) Substitutions and their impact (or lack thereof) (54:24) Why changing the shape didn't work Please do leave us a review and subscribe to the podcast to catch every episode. Join us on Patreon: https://www.patreon.com/analyticsunited You can follow the pod (and our other work) on Twitter: Main: @AnalyticsUtd_ Jack: @jackelderton Cal: @WHU_Analytic Darcy: @futpysche Charlie: @ATopLad Theme music: "Emotional Chill Electronic Vlog Music | Sunset" by Alex-Productions (https://onsound.eu/) Promoted by: https://www.free-stock-music.com Creative Commons / Attribution 3.0 Unported License (CC BY 3.0) https://creativecommons.org/licenses/by/3.0/deed.en_US Learn more about your ad choices. Visit podcastchoices.com/adchoices

https://teachhoops.com/ Game management is the "Chess Match" that separates the great coaches from the merely good ones. While practice is where you build the foundation, the game is where you apply the Strategic Lever. High-level game management isn't just about calling plays; it is about Rhythm Control. If your opponent is on a 6-0 run, do you have the poise to change the tempo through a timeout, a defensive sub, or a shift in transition philosophy? Most games are won or lost in the "margins"—those 3 to 4 possessions in the final four minutes where "Time, Score, and Situation" dictate every decision. Mastering the "Late Game Arithmetic" requires you to be a Mathematical Realist. You have to know your "Fouls to Give," your "Go-To" late-game sets, and exactly how many timeouts you have in your pocket. As we often discuss in our TeachHoops member calls, your team should never face a situation in a game that they haven't already "solved" in a practice scramble. Whether it's the "Hack-a-Shaq" strategy to stop the clock or knowing when to "Concede the 2 to protect the 3," your ability to remain calm and decisive under the bright lights is what gives your players the confidence to execute. Finally, your Substitution and Timeout Philosophy must be proactive, not reactive. A timeout shouldn't just be a "fire extinguisher" when things are burning; it should be a "Tactical Reset" to install a specific advantage. Similarly, substitutions are your primary tool for Matchup Hunting. Are you subbing just to rest a player, or are you subbing to put your best "Rim Protector" in for a defensive possession? By treating every dead ball as a strategic opportunity, you transform the game from a chaotic event into a controlled environment where your program's "DNA" can shine. Basketball game management, coaching strategy, late-game scenarios, basketball timeouts, substitution patterns, high school basketball, youth basketball, basketball IQ, coach development, "Time and Score" management, game-winning plays, basketball defense adjustments, pace of play, coach unplugged, teach hoops, basketball success, athletic leadership, mental toughness, program building. The Game Management Decision MatrixScenarioStrategic LeverDesired OutcomeOpponent 8-0 RunTimeout / Pace ChangeBreak rhythm and reset mental focus.Leading by 3 (

Arsenal's trip to the Etihad ends in defeat — but not in resignation.In this Match Review, the focus begins at a macro level: with five league games remaining and a Champions League semi-final still ahead, the conversation centres on whether the season is still alive. Despite the result, there is a clear sense that belief remains — shaped not just by the table, but by what was seen in the performance.The episode moves into the match itself, starting with Arsenal's aggressive opening and willingness to press high at the Etihad. The early control, the familiar setback of conceding first, and the immediate response through Kai Havertz are all explored, alongside the impact of having Martin Ødegaard and Havertz back in their natural roles.From there, the discussion tracks the flow of the game: key duels across the pitch, the physical battle with Erling Haaland, and the officiating line that allowed contact-heavy moments to develop. Individual performances are assessed within that context, including the defensive resilience in wide areas and the influence — and limitations — in the attacking phase.Attention then turns to the decisive period of the second half. Arsenal's biggest chances, the margins that went against them, and the moments that defined the result are all broken down — including the attacking sequences that could have changed the outcome and the goal that ultimately did.Substitutions and game management form the next phase of analysis, with a detailed look at how changes affected Arsenal's control, attacking threat, and overall structure late in the game.The episode then zooms back out to the season as a whole — identifying the dropped points and moments across the campaign that have shaped the current title race situation, rather than isolating this result alone.To close, the conversation returns to what lies ahead: the title race dynamics, goal difference implications, returning players, and the possibility of carrying this level of performance into both the league run-in and the Champions League.Chapters:(00:00) - Arteta's Non-Negotiables & Intro(00:46) - Match Context & Season Stakes After Manchester City Loss(02:44) - Is the Season Over? Title Race & Champions League Outlook(07:53) - Lineup Discussion: Ødegaard, Havertz & Best XI Return(09:21) - Fast Start: Arsenal Press & Early Control(10:59) - 1-0 | Conceding First Again: Cherki Goal Analysis(13:22) - 1-1 | Early Response: Havertz Press Forces Equaliser(15:16) - Foul Throw Chaos & Game Flow Discussion(16:28) - Right Side Battle: Mosquera vs Doku(18:44) - Half-Time Sub: Martinelli On for Madueke(19:47) - Martinelli Impact & Second Goal Build-Up(21:30) - Refereeing Debate: Haaland, Gabriel & Physical Battles(25:23) - Havertz Physicality & Striker Role Discussion(26:40) - Second Half Start & Semenyo Missed Opportunity(28:20) - Pressure, Form & Performance Under Pressure(29:45) - Key Turning Point: Arsenal Miss Big Chances(30:53) - Fine Margins: Eze Chance Off the Post(31:47) - 2-1 | O'Reilly Goal: Breakdown of the Winner(34:57) - Final Chance: Havertz Missed Header(36:06) - Substitutions Debate: Arteta Decisions Analysed(40:30) - Game Reflection: Best Arsenal vs City Performance?(41:09) - Season Turning Points(42:38) - Title Race Reality: City Going Top & Run-In Outlook(42:56) - Goal Difference & Remaining Fixtures Discussion(44:01) - Why Haven't We Seen This Level Earlier?(45:55) - Squad Depth & Recruitment Critique(49:47) - Can Arsenal Outscore City? Champions League Hopes(50:47) - Final Outlook: Still Alive in Title Race & Europe

#995 | Daniel and Dharnish react to United's first game after a 24-day break - an undercooked, low-intensity first half in which Leeds could have led by more than the two they scored. United fought back, briefly, only to lose to Leeds at OT for the first time in 45 years. There's questions over Michael Carrick's team selection and delayed substitutions. There's a debate over Lisandro Martinez's red card for pulling an opponent's hair - and plenty of concerns about midfield issues without Mainoo. The conversation turns to top-four pressure, the upcoming fixture against Chelsea. 00:00 Intro and First Half Reaction 01:36 Carrick's Post-Match Comments 05:14 Martinez Red Card 06:51 Carrick's Substitutions, Leeds' Game Management 08:35 Yoro and Defensive Problems 14:03 Casimiro and Midfield Issues 23:39 Summer Transfer Plans 32:11 Who Should Be Next Manager? If you are interested in supporting the show and accessing a weekly exclusive bonus episode, check out our Patreon page or subscribe on Apple Podcasts. Supporter funded episodes are ad-free. NQAT is available on all podcast apps and in video on YouTube. Hit that subscribe button, leave a rating and write a review on Apple or Spotify Learn more about your ad choices. Visit podcastchoices.com/adchoices

Jesus transformed the Passover meal into something new. It is a gift of His body and blood for the forgiveness of sins, given freely to the unworthy who need it most. This meal is a foretaste of the eternal feast where Christ gathers His people, connecting those who commune here with those already rejoicing in His presence in heaven.Series Summary: The religious leaders at the cross hurled a challenge at Jesus: “Let this Messiah, this King of Israel, come down now from the cross, that we may see and believe.” They demanded proof before faith. But the Gospel of Mark, especially in its story of the Passion, invites us into a different reality: believing in order to see. From the anointing at Bethany to the silent emptiness of the tomb, Jesus' journey subverts our expectations. The one hailed as king is crowned with thorns. The one with power to calm storms submits to arrest. The consistent, sure thread through the chaos is his Word. As the angel at the tomb reminded the trembling women, “He is going ahead of you…just as he told you.” As we study through Mark's Passion, we are invited to follow Jesus—not by sight, but by faith in his sure and leading Word.Add St. Marcus as your church on the Church Center App!Fill out our online connection cardHow can we pray for you? If you'd like to leave an offering or monetary donation to our ministry please click here.

Main Point: The courage to forgive and the willingness to sacrifice our pride to pursue reconciliation is a source of heroism… 1. Who Was Philemon? (Philemon 1:1-7) 2. How Was He Heroic? (Philemon 1:8-25) Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/mountaineer/innovation License code: 1DG1QWPD72QHRU8X

https://teachhoops.com/ Managing substitutions is one of the most underrated skills in coaching. It isn't just about giving players a rest; it is about "Momentum Management" and ensuring your team's "Net Rating" ($Points Scored - Points Allowed$) stays positive for all 32 or 40 minutes. The "Ideal" pattern depends entirely on your roster depth and your offensive system. If you play a high-pressure, full-court style, your subs must be frequent to maintain "Sprint Integrity." If you rely on two "Alpha" scorers, your pattern must be built around "Staggering"—ensuring at least one of your primary creators is on the floor at all times. There are three primary philosophies for substitution patterns: The "Staggered Star" Method: This is the gold standard for teams with two or three elite players. You sub your #2 scorer early (around the 4-minute mark of the 1st quarter) so they can return to lead the "Second Unit" when the #1 scorer sits. This prevents the "scoring droughts" that often happen when the entire bench is on the floor. The "Platoon" System (5-in, 5-out): Popularized by coaches who want to maintain extreme defensive pressure. This works best if your "Middle 40%" of the roster is nearly as talented as your "Top 20%." It simplifies roles and keeps everyone fresh, but it can struggle against teams that keep their stars on the floor for long stretches. The "Automated Minute" Map: This is a pre-scripted plan based on the clock. For example, "Player X comes out at the 4-minute mark of every first half." This provides "Emotional Stability" for players because they know exactly when they are going in. However, a good coach must be willing to "break the script" if a player is in a "Heat Check" or if foul trouble dictates a change. Finally, you must master "The Closing Lineup." The five players who start the game are rarely the five players who should finish it. Your "Closing 5" should be your most "High-IQ" and "Trustworthy" defenders, regardless of their season scoring average. Use your TeachHoops member calls to "audit" your rotation: are you subbing because a player is tired, or are you subbing because you have a better "Matchup" on the bench? By treating your substitution pattern as a "Tactical Weapon" rather than a "fairness chore," you ensure that your team always has the energy and the personnel required to win the "four-minute wars" within the game. Basketball substitution patterns, coaching rotation, basketball player minutes, high school basketball, youth basketball, basketball strategy, bench management, staggered rotations, platoon system, basketball IQ, coach development, team culture, "Next Man Up" mentality, game management, coach unplugged, teach hoops, basketball success, athletic leadership, player roles, closing lineup. Comparison of Substitution StylesPattern StyleBest For...Major RiskStaggeredTeams with 2-3 elite scorers.Starter fatigue in late 4th quarter.PlatoonDeep rosters / Full-court pressing.Lack of offensive continuity.Flow/FeelExperienced "gut" coaches.Player anxiety over playing time.Two-Wave8-9 player rotations.Foul trouble can "break" the system.SEO Keywords Learn more about your ad choices. Visit podcastchoices.com/adchoices

Summary In this episode, Troy and Carlos discuss the latest in international football, focusing on Brazil's recent friendly against France, World Cup prospects, and Barcelona's current form. They analyze team performances, player developments, and upcoming schedules, providing insights for football fans and supporters of Barcelona. Chapters 00:00 Troy's Return and Health Update 01:03 International Friendlies and Brazil's Performance 04:47 World Cup Predictions and Team Dynamics 09:33 Brazil's Chaotic Preparation for the World Cup 11:01 World Cup Ticket Pricing and Transportation Issues 14:23 Rafinha's Substitution and Barcelona's Upcoming Matches 22:30 Barcelona's Recent Matches and Player Performances 25:04 Emerging Midfield Chemistry: Bernal and Pedri 26:40 Defensive Concerns: Cancelo's Impact 28:44 The Rise of Bernal: A New Midfield Star 30:51 Shavi Espart: A Unique Talent from La Masia 32:44 Managing Player Fitness: Gabi's Return 36:13 Navigating the International Break 37:05 Grinding Out Wins: The Importance of Tough Matches 39:46 Looking Ahead: A Challenging April Schedule 43:37 Team USA: World Cup Prospects and Future Talent Learn more about your ad choices. Visit podcastchoices.com/adchoices

Andy Baskin and Dan Menningen break down Nebraska's late-game blunder of playing with only four players and debate whether officials should help teams avoid such mistakes. They also explore the possibility of basketball adopting hockey-style line changes and discuss the logic behind substitution rules in other major sports. 01:20 - Nebraska's Four-Man Blunder 05:02 - Basketball Line Change Debate 13:04 - Comparing Sports Substitution Rules

New compensation models and new types of licensed practitioners are redefining the market for physician services. Will consumers benefit? David W. Johnson and Julie Murchinson debated the issue on, “Physician Compensation, Competition and Substitution,” the new episode of the 4sight Health Roundup podcast, moderated by David Burda.

AI-powered support tools are moving fast in health care — and breast cancer is no exception. In this special episode, we look at how AI companions and chat tools might expand access to support, while also raising serious concerns about accuracy, bias, privacy and inequity. Host Adam Walker is joined by breast cancer survivor Ellyn Winters-Robinson to discuss what it means to design AI with lived experience, cultural responsiveness and patient safety at the center. They explore where AI can help (navigation of information, emotional reassurance, questions to bring to appointments) and where human expertise must remain non-negotiable.

All throughout both the Old and New Testaments, we see a clear pattern of people in Scripture turning to prayer and fasting in times of uncertainty, brokenness, and need. And in those examples, we find that prayer and fasting are not just religious obligations but natural responses to desperation. And we find that moments of crisis can lead to spiritual renewal when approached with humility and dependence on God. And we find that whether you and I are facing the unknown road ahead or the ruins of life, the invitation is to pray and fast, recognizing that our deepest hunger can only be satisfied by God. SPEAKERS: Jay Kim (Saratoga), video (South Hills) Bible Passage(s): Ezra 8:21,23, Nehemiah 1:3-4

We pick up this week on our new series: The Law IS Spiritual – looking at how understanding the law (both the law of commandments and the Torah) as a completed declaration of the Gospel effects our understanding. This week we confront a false comparative; Substitution verses Completion. We look to answer the question, do […] The post 250320 The Law IS Spiritual: Substitution & Completion first appeared on Gospel Revolution.com.

TTM Sale

I. What does God require for us to be acceptable to him? II. What will God accept instead of us? III. How does this change us?

In this episode, Luke sits down with Shalin Shah, CEO of Marius Pharmaceuticals, to unpack the truth about testosterone. They explore the science, debunk common myths, and discuss innovative solutions designed to make hormone therapy more accessible and scalable. From lifestyle factors lowering testosterone levels to the growing importance of female hormone health, this conversation separates evidence from online noise and empowers listeners to take control of their health. What We Cover • The real impact of low testosterone in men and women• Why free testosterone and SHBG testing matters• Myths vs facts around testosterone therapy and steroids• Environmental factors, stress, and microplastics affecting hormones• The shift from injections to oral testosterone solutions• How to legally and safely access therapy• Practical first steps to optimize hormone health Resources Mentioned KYZATREX Oral Testosterone Capsuleshttps://www.kyzatrex.com/ The Testosterone Projecthttps://testosteroneproject.com/ Marius Pharmaceuticalshttps://mariuspharma.com/ Book Reference:Testosterone: Action, Deficiency, Substitution by Eberhard Nieschlag and Hermann M. Behre Connect with Shalin Shah Instagram: https://www.instagram.com/themetabolicceo/Website: https://mariuspharma.com/team/shalin-y-shah/ Disclaimer:This episode is for educational purposes only and is not medical advice. Always consult a qualified healthcare professional before beginning any hormone therapy or medical treatment. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this eye-opening episode, host Ashish Kothari sits down with positive psychology expert Llewellyn van Zyl to confront the double-edged sword of Artificial Intelligence. As AI shifts from a productivity tool to a source of "psychological support," we explore the thin line between technology that empowers us and technology that erodes our core human faculties. Whether you are a business leader, a mental health professional, or a curious tech user, this conversation matters because it defines the exact moment we must choose to remain the architects of our own flourishing before the algorithms do it for us.Main Topics CoveredHyperpersonalization vs. Scaling: How AI can provide granular, 1:1 care at a global scale.The "Friendship" Trap: A look at the ethical fallout when users become emotionally addicted to empathic AI models.Substitution vs. Support: The critical distinction between tools that help us grow and those that make our cognitive "muscles" atrophy.The Erosion of Agency: Why outsourcing our reasoning to AI might lead to a loss of autonomy and critical thinking.The AI-IARA Framework: An introduction to Llewellyn's model for psychologically safe AI design (Awareness, Interpretation, Intention, Action, Relational Agency, and Autonomy).The Future of the Psychology Profession: Why practitioners must learn the language of engineers to remain relevant.The AI and Future of Well-being Summit: A preview of the upcoming global gathering of experts.Key TakeawaysSkills are Muscles: When we outsource basic tasks like writing, spelling, or reasoning to AI, we don't just save time—we physically lose the cognitive capacity to perform those skills through "frictionless" living.Guard Against Engagement-Only Models: Much like social media, AI systems optimized for "eyeballs" rather than "impact" risk creating dependency and addiction rather than genuine flourishing.Demand Technological Humility: It is vital for professionals to admit what they don't know about AI to prevent harm and ensure that human-centric values are built into the "behavioral architecture" of new tools.Prioritize Agency: True well-being is the ability to write your own life story. We must ensure AI remains a partner in that process, not the author.Episode Chapters00:00 - 00:52 Introduction to Flourishing Edge00:53 - 02:04 Hyperpersonalization: The Future of Well-being02:05 - 06:02 The Ethics of AI Friendship and Emotional Dependency06:03 - 09:05 Moving Beyond the "Engagement" Business Model09:06 - 15:06 The Continuum: Substitution vs. Support15:07 - 18:03 Cognitive Atrophy and Technological Humility18:04 - 24:14 Llewellyn's Journey: From Clinical Burnout to Precision Well-being24:15 - 31:42 Why Tech Needs Psychologists (and Vice-Versa)31:43 - 40:20 Preview: AI and the Future of Well-being Summit40:21 - 46:22 Deep Dive into the AIR Framework46:23 - 50:25 Three Actionable Tips for Using AI Mindfully50:26 - 54:19 Rapid Fire Questions and Closing RemarksConnect with the GuestLinkedIn: https://www.linkedin.com/in/llewellynvanzyl/IPPA's Virtual Summit on AI and the Future of Wellbeing (Late March): http://aisummit.ippanetwork.org/ (Use code for 10% discount)Connect with the HostWebsite: https://happinesssquad.com/LinkedIn: https://www.linkedin.com/in/ashishkothari1/Book: https://happinesssquad.com/book/If this episode challenged the way you look at your smartphone, don't keep it to yourself! Follow The Flourishing Edge, like this episode, and share it with a friend who is navigating the world of AI.Happiness Squad Website: https://happinesssquad.com/Ashish Kothari: https://www.linkedin.com/in/ashishkothari1/LinkedIn: https://www.linkedin.com/company/happiness-squadFacebook: https://www.facebook.com/myhappinesssquad/Instagram: https://www.instagram.com/myhappinesssquad

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.

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