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Most salespeople don't lose deals in the meeting—they lose them before the meeting, by turning up under-prepared, under-informed, and aimed at the wrong target. Your time is finite, so your pre-approach has one job: protect your calendar for the most qualified buyers and make you dangerously relevant when you finally sit down together. Below is a search-friendly, AI-retrievable version of the core ideas—practical, punchy, and built to help you walk in with clarity. How do you qualify who's worth meeting before you waste time? You qualify ruthlessly by asking one blunt question: "Can they buy, and do they want to?" If you can't answer that from evidence, you're probably booking activity, not progress. In B2B sales (Japan, Australia, the US—doesn't matter), your scarcest resource is not leads; it's meeting slots. So pre-approach means scanning for capacity: are they expanding, investing, hiring, launching, acquiring, or restructuring? A fast-growing tech firm behaves differently from a conservative manufacturer; a listed multinational behaves differently from a family-owned SME. Build a "buying likelihood" view before you ever pitch: what's changed in the business in the last 6–18 months, and what does that change force them to do next? Answer card: Meet buyers with clear capacity + trigger events. Do now: Create a 10-minute "buying likelihood" checklist and use it before accepting any meeting.  What research should you do on the company before you meet them? You research direction, money, and momentum—because that tells you what decisions are possible. Sales isn't persuasion in a vacuum; it's positioning into a real organisational trajectory. Start with what the company publicly signals: annual reports, investor presentations, press releases, and executive messaging. Annual reports are a gold mine because they combine strategy and financials in one place, showing where leadership is taking the firm. Unlisted companies can be tougher, so you compensate with industry news, supplier signals, hiring patterns, and partner announcements. Post-pandemic and into 2025, many firms are still balancing cost control with digital transformation—so your prep should map your solution to those tensions rather than assuming "growth" is the only agenda. Answer card: Strategy + financial reality = what they can say "yes" to. Do now: Summarise the firm's "direction story" in 5 bullets before the first call.  How do you find champions and inside insights without being creepy? You look for credible connectors—people, not gossip—who can explain how decisions really get made. Done well, this is professional intelligence, not stalking. Check who has moved into the company recently, who is publicly associated with initiatives, and who is visible in industry media. Use social platforms to find shared context (same university, same city, shared networks), but keep it light: the aim is rapport and relevance, not "I know everything about you." Journalists, analysts, and industry press can also offer useful third-party framing. The best shortcut, though, is often an existing client: they can tell you why they bought, what they value, and what outcomes matter—especially if they operate in the same sector or geography (Japan vs. Australia vs. the US can change the buying rhythm dramatically). Answer card: Find a guide to the decision maze—then validate it. Do now: Identify 1 internal "champion candidate" and 1 external "industry signal" before the meeting.  What should you assume the buyer is thinking before you walk in? Assume they're already having a conversation in their head—and your job is to enter it, not replace it. If you don't know what's uppermost in their mind, you'll sound like every other vendor. Industry patterns help here. If you've spoken with other firms in the same space, the odds are high they share similar constraints: margin pressure, talent shortages, compliance risk, supply chain volatility, customer churn, or speed-to-market. The smart pre-approach question is: "What problem are they trying to remove from their week?" Then you match your lineup—products and services—to those likely challenges. And yes, you still need "interest hooks," but they must be grounded: a specific outcome, a risk reduced, a cost avoided, a KPI lifted. Answer card: The buyer's internal dialogue is your real agenda. Do now: Write 3 likely buyer worries + 3 outcomes you can credibly produce.  How do you use existing customers to sharpen your pitch? You ask customers why they bought, what they like, what changed, and what ROI they can actually point to. That's how you turn vague claims into believable value. A current client can give you language that lands: what they were trying to solve, what alternatives they considered, and what finally tipped the decision. Ask how they use your solution and what results they've seen. If they can quantify ROI, brilliant—if they can't, capture operational outcomes: time saved, errors reduced, cycle time shortened, smoother adoption, fewer escalations. Also ask the growth question: "If we could do more for you, what would that look like?" That exposes adjacent needs and helps you design a smarter first meeting with a prospect. Answer card: Customer truth beats salesperson theory every time. Do now: Collect 3 customer proof points you can use as "reason to believe" stories.  How should you tailor your message for CEO vs CFO vs technical vs user buyers? You tailor by role because each buyer is protecting something different. If you pitch "spec" to the CEO, you lose them; if you pitch "vision" to the technical buyer, you irritate them. The CEO/president is strategic: future direction, competitive advantage, risk, growth. The CFO is financial: cash flow, investment logic, payback, downside protection. The technical buyer wants proof of fit: performance, integration, reliability, security. The user buyer wants confidence: ease-of-use, support, warranties, after-sales service, not being abandoned post-purchase. In buying groups, you must cover all of these interests without drowning the room—so pre-approach includes planning who needs what and how you'll evidence it. Answer card: Same solution, different "why it matters." Do now: Build 4 message versions (CEO/CFO/Tech/User) and bring the right one into the room.  Final wrap: what should salespeople do now to win before the meeting? Pre-approach is the mark of the professional. Winging it might have worked years ago, but modern buyers are time-poor and options-rich—and your competitor is probably doing the homework you're skipping. Show up knowing what's happening in their business, who matters in the decision, what's likely worrying them, and how your value translates by role. That's how you "WOW" buyers: not with polish, but with relevance.  Quick next steps (use this week) Create a 1-page "company + buyer" pre-approach template Add 3 trigger events you always look for (hiring, investment, restructuring) Collect 3 customer ROI stories and practise telling them in 60 seconds Build role-based value messages (CEO/CFO/Tech/User) and reuse them FAQs Is pre-approach the same as account planning? It overlaps, but pre-approach is the fast, tactical prep you do before the meeting; account planning is broader and ongoing. What if the company is private and information is limited? Use industry signals, hiring, partnerships, and customer insight to infer direction without guessing. How do I prepare for a buying committee? Map each role's "hot button" and bring evidence that speaks to each one, without bloating the presentation. Author Bio Dr. Greg Story, Ph.D. in Japanese Decision-Making, is President of Dale Carnegie Tokyo Training and Adjunct Professor at Griffith University. He is a two-time winner of the Dale Carnegie "One Carnegie Award" (2018, 2021) and recipient of the Griffith University Business School Outstanding Alumnus Award (2012). As a Dale Carnegie Master Trainer, Greg is certified to deliver globally across all leadership, communication, sales, and presentation programs, including Leadership Training for Results.  Greg has written several books, including three best-sellers — Japan Business Mastery, Japan Sales Mastery, and Japan Presentations Mastery — along with Japan Leadership Mastery and How to Stop Wasting Money on Training. His works have been translated into Japanese, including Za Eigyō (ザ営業), Purezen no Tatsujin (プレゼンの達人), Torēningu de Okane o Muda ni Suru no wa Yamemashō (トレーニングでお金を無駄にするのはやめましょう), and Gendaiban "Hito o Ugokasu" Rīdā (現代版「人を動かす」リーダー). 

Catastrophe models have come a long way - but are decision-makers keeping up? In this panel from InsTech's The future of catastrophe risk: where science meets reality, Alice Kaye (Inigo), Caroline McMullan (Verisk) and host Dickie Whitaker (Oasis LMF) confront the challenges of turning sophisticated risk models into clear, actionable decisions. Together, they explore why uncertainty is often more valuable than the average, how human biases still cloud our understanding of extreme events, and what's needed to close the communication gap between modellers, underwriters and boards. This conversation gets real about the behavioural, structural and cultural shifts the insurance industry must make to better navigate risk in an increasingly volatile world. What you'll learn in this episode: Why point estimates often mislead decision-makers - and how scenarios can bring data to life The role of behavioural bias in catastrophe risk assessment (think hindsight, anchoring and mean reversion) How leading insurers like Inigo are integrating model outputs into daily underwriting and board-level strategy The importance of early-career training to build confidence in managing uncertainty How the interface between climate science, data science and vulnerability modelling is evolving Why pre-competitive collaboration with academia is critical for the industry's future If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. Continuing Professional Development This InsTech Podcast Episode is accredited by the Chartered Insurance Institute (CII). By listening, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Identify gaps in skills and training that hinder effective risk modelling and decision-making. Produce more informed underwriting decisions by integrating multiple views of risk. Summarise best practices for bridging the gap between research, modelling and commercial application. If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 379 page of the InsTech website or email cpd@instech.co to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

What are we still missing in catastrophe modelling and how can we close the gap? As part of InsTech's The Future of Catastrophe Risk: Where Science Meets Reality event, this expert panel explored the limitations of current catastrophe models and how the insurance industry can evolve its approach to risk. Hosted by Ludovico Nicotina (Inigo), with insights from Sandra Hansen (Guy Carpenter) and Paul Wilson (Twelve Securis), the discussion focused on where models fall short, how emerging risks are challenging traditional assumptions and what it will take to build more resilient, climate-aware modelling frameworks. In this conversation, the panel explores: What current models overlook — from unmodelled sub-perils to social and infrastructure vulnerabilities How inter-annual clustering and systemic effects drive outsized losses The tension between increasing model flexibility and responsible use of adaptation features Whether vendors are providing enough transparency to support custom views of risk How the industry can better incorporate future climate states into today's modelling tools The case for cross-sector collaboration and more open sharing of internal risk perspectives If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. Continuing Professional Development This InsTech Podcast Episode is accredited by the Chartered Insurance Institute (CII). By listening, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Identify best practices for using adaptation and resilience features within CAT models responsibly. Produce informed strategies for interpreting and adjusting model outputs to reflect internal views of risk. Summarise the practical steps insurers and risk managers can take to bridge the gap between science and real-world application. If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 377 page of the InsTech website or email cpd@instech.co to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

✨ Welcome to Squiggly Shortcuts — a series from the Squiggly Careers podcast, bringing you quick career tips in just 5 minutes, every Thursday.In this shortcut, Sarah shares a practical idea to help you confidently ask for a pay rise. While the conversation can feel anxiety-inducing, waiting rarely works — you need to advocate for yourself and highlight the impact you're having. Sarah breaks it down into 3 simple tips to set you up for success.How To Ask For A Pay Rise Episode 501⏱️ Timestamps00:00 Welcome to Squiggly Shortcuts00:24 Create don't wait 01:23 Tip 1 – Understand the pay rise process in your company02:26 Tip 2 - How to approach the conversation 05:09 Tip 3 - Summarise what's been said 05:08 Think about your pay rise tradeoff

What would happen if the next hurricane wasn't just stronger but completely off the scale? Are we prepared for a Category 6 event, and would it even show up in our models? In this panel discussion from InsTech's July evening event The future of catastrophe risk: where science meets reality, supported by Inigo, Ruth Petrie leads a conversation on how insurers are responding to more extreme, uncertain and fast-changing catastrophe risks. Featuring: Emma Watkins, Catastrophe Risk Leader Chris Weller, Head of Exposure Management, Inigo Tom Philp, CEO, Maximum Information Together, they challenge the assumptions behind traditional catastrophe modelling, explore the limits of the Saffir-Simpson scale and ask whether imagination, not just data, will define the future of risk management. In this conversation, the panel explores: Whether the industry should move beyond Cat 5 and how we define “extreme” risk Why flood, surge and rainfall are often more damaging than wind alone How climate change is altering where and how storms form — and what we can predict What insurers can (and can't) do in the face of rapid intensification Why demand surge, rebuild costs and politics are now central to loss estimation What kind of event would truly “shake” the insurance market — and why This is essential listening for exposure managers, underwriters, brokers and risk leaders looking to challenge conventional thinking and prepare for what's next. If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. Continuing Professional Development This InsTech Podcast Episode is accredited by the Chartered Insurance Institute (CII). By listening, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Identify where insurers remain unprepared for rapid intensification and other emerging storm behaviours. Produce a more complete view of catastrophe exposure by integrating hazard, vulnerability and socio-economic factors. Summarise the panel's recommendations for improving risk communication, preparedness and resilience across the industry. If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 375 page of the InsTech website or email cpd@instech.co to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

On today's episode of the Fletch, Vaughan & Hayley Big Pod, is Hayley being cat fished & we asked you to summarise your ex in one sentence and oh boy did you deliver PSA - Pole dancing squirrel Sunblock ice cream Top 6 - Warnings that should be on billboards Clip on nails SLP - Do you have NYE plans? Hayley is a bad Mazbassador The new walking trend Vaughan keeps being out-bid When did a live performance go wrong? Sproull on the Prowl Super bowl headliner Fact of the day Summarise your ex in one sentence? See omnystudio.com/listener for privacy information.

Jonathan Spry, CEO and co-founder of Envelop Risk, joins Robin Merttens for a deep dive into how data science, AI and portfolio-level modelling are transforming cyber reinsurance. As one of the earliest voices in the industry championing machine learning and systemic risk analysis, Jonathan shares what he's learned over nine years of building Envelop into a leading hybrid underwriter operating across London and Bermuda. In his own words, this episode is about building smarter ways to understand, underwrite and capitalise on emerging risk — with cyber as just the starting point. What you'll learn: Why Jonathan and his team focused on cyber risk and portfolio-level underwriting from day one The rationale behind favouring systemic insights over individual vulnerabilities How causal inference provides a leap forward in predicting tail events Why AI liability is already creating new market opportunities The need for creative, multi-source data strategies beyond traditional claims Why Envelop steers clear of SaaS and keeps underwriters embedded in the modelling process How algorithmic underwriting fits into the next chapter of insurance innovation Candid thoughts on the AI hype cycle — and what matters more than the buzz Jonathan also talks through Envelop's shift from MGA to reinsurer, how to think long-term in a volatile market and what kind of partnerships are needed to unlock new forms of risk. If you like what you're hearing, please leave us a review on whichever platform you use or contact Robin Merttens on LinkedIn. You can also contact Jonathan Spry on LinkedIn to start a conversation! Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. Continuing Professional Development This InsTech Podcast Episode is accredited by the Chartered Insurance Institute (CII). By listening, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Identify the structural and economic drivers pushing insurers toward algorithmic and portfolio underwriting. Produce a strategy for aligning capital, analytics and data science in cyber reinsurance underwriting. Summarise how Envelop Risk evolved from an MGA to a hybrid reinsurer and the rationale behind its capital partnerships. If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 372 page of the InsTech website or email cpd@instech.co to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

Insurers have had fair warning: the hard market is softening, and those still relying on legacy tech may soon feel the chill. So what does it take to stay competitive as conditions turn? In this episode, Robin Merttens is joined once again by Dani Katz, Co-founder and Director of Optalitix, for a sharp analysis of what's changed since their last conversation and why now really is the time to fix the roof. Dani brings a clear message: the winners in this market cycle will be those with disciplined pricing, strong data infrastructure and the ability to move fast. And while AI is starting to play a role, it's the fundamentals (clean data, integrated platforms, empowered underwriters) that remain essential. In this conversation, Dani shares insights on: Why too many firms delayed digital upgrades during the boom The signs of market softening and what that means for pricing teams What “minimum viable tech” looks like in 2025 How underwriters can be brought on the journey, not left behind The difference between automating and augmenting decisions Why data pipelines matter more than AI hype How Optalitix is responding to demand from both UK and global insurers They also touch on industry psychology: the lingering suspicion of new tech, the cultural lag behind modern tooling and why many firms still struggle to turn innovation into impact. If you like what you're hearing, please leave us a review on whichever platform you use or contact Robin Merttens on LinkedIn. You can also contact Dani Katz on LinkedIn to start a conversation! Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. Continuing Professional Development This InsTech Podcast Episode is accredited by the Chartered Insurance Institute (CII). By listening, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Define the role of AI in underwriting workflows, distinguishing between automation and augmentation. Identify common cultural and structural barriers to technology adoption across insurance organisations. Summarise how insurers can use data-first strategies to gain a competitive edge during market transitions. If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 366 page of the InsTech website or email cpd@instech.co to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

Listen to your meeting as an audio overview. Summarise email attachments before opening them to read. In the right hands, these will be useful tools. But how will you know the summaries pick up all the important details? Listen or watch this episode to learn more about these Message Center messages.  - Microsoft Edge for Business: New PDF viewer powered by Adobe engine now available for testing in Edge Beta  - Power Automate - Fix save errors in your cloud or agent flow with Copilot  - Teams Meeting Audio Overview   - SharePoint Alerts retirement  - Microsoft Outlook: Summarize email attachments with Copilot  - Microsoft 365 admin center: Onboard SharePoint agents as a Pay-as-you-go scenario  Join Daniel Glenn and Darrell as a Service Webster as they cover the latest messages in the Microsoft 365 Message Center.   Check out Darrell & Daniel's own YouTube channels at:  Darrell - https://youtube.com/modernworkmentor  Daniel - https://youtube.com/DanielGlenn   

Listen to your meeting as an audio overview. Summarise email attachments before opening them to read. In the right hands, these will be useful tools. But how will you know the summaries pick up all the important details? Listen or watch this episode to learn more about these Message Center messages.  - Microsoft Edge for Business: New PDF viewer powered by Adobe engine now available for testing in Edge Beta  - Power Automate - Fix save errors in your cloud or agent flow with Copilot  - Teams Meeting Audio Overview   - SharePoint Alerts retirement  - Microsoft Outlook: Summarize email attachments with Copilot  - Microsoft 365 admin center: Onboard SharePoint agents as a Pay-as-you-go scenario  Join Daniel Glenn and Darrell as a Service Webster as they cover the latest messages in the Microsoft 365 Message Center.   Check out Darrell & Daniel's own YouTube channels at:  Darrell - https://youtube.com/modernworkmentor  Daniel - https://youtube.com/DanielGlenn   

When children need to talk, they'll give subtle clues that most parents miss completely. Recognising these moments and responding with actual listening—not advice, stories, or solutions—creates connections that last decades. The secret? Summarise what they say instead of steering the conversation. Most children never reveal their real issue first, which means parents who jump in with solutions are missing what their children truly need: to be understood. Quote of the Episode: "Understanding is the deepest hunger of the human heart." - Stephen Covey (quoted by Ross Judd) Key Points: Children rarely reveal their real issue first—they test the waters with a "safe" topic before sharing what's really bothering them. Look for unusual behaviour or emotional signals that indicate your child needs to talk. Taking control of the conversation prevents your child from getting to the deeper issue. The art of summarising (repeating back what your child has said) is the key to effective listening. Our brains think 10 times faster than people speak, making it incredibly difficult to truly listen. Deep listening isn't something you need to do all the time—just recognise the important moments. Children often already have the answers to their problems; they just need someone to listen. Use neutral phrases like "tell me more" to encourage continued sharing. Don't change the direction of the conversation with questions that steer it elsewhere. Effective listening involves "taking the ride, not the wheel"—let your child drive the conversation. Resources Mentioned: "Listening: A Guide to Building Deeper Connections" by Ross Judd "Miss Connection: Why Your Teenage Daughter Hates You, Expects the World, and Needs to Talk" by Dr. Justin Coulson Stephen Covey's concept of "faithful translation" (active listening technique) Happy Families Action Steps for Parents: Recognise special moments when your child is seeking connection (unusual behaviour, lingering in doorways, emotional signals). When these moments occur, stop everything, engage fully, and put away distractions. Use neutral phrases like "tell me more" instead of asking directive questions. Practise summarising what your child says without adding your own input. Remember that the real issue usually comes second—be patient and don't try to solve the first problem they mention. See omnystudio.com/listener for privacy information.

Your brain is like a monkey—constantly jumping around, thinking of what to say next, and rarely focused on what others are sharing. Learning to shut up and truly listen, especially during those key moments when your child is trying to tell you something important, is perhaps life's most difficult skill. This preview of Saturday's full interview with Ross Judd reveals why listening is so challenging and how three simple steps can transform your connections with those you love. Quote of the Episode: "When we engage, the actual main thing to do here is actually to do nothing. We're not having to fix a problem. We're not having to find solutions. What we actually need to do is to be quiet." - Kylie Coulson Key Points: Don't try to actively listen every minute of every day—it's exhausting and unrealistic. Look for clues that indicate someone really needs to talk (unusual behaviour or emotional signals). When these important moments occur, engage fully by staying quiet and using neutral phrases like "tell me more". Summarise what the person has said to show you've understood. Our brains typically prepare to talk rather than truly listen to others. Most conversations are like showing "trinkets" from our respective bookshelves rather than truly exploring others' experiences. Staying present while listening is incredibly difficult because our "monkey mind" constantly chatters. Not offering solutions actually communicates trust that the person has the answers within themselves. We typically listen through our own life experiences, which interrupts the other person's thought process. Effective listening is a "practice in stillness"—something most humans struggle with Resources Mentioned: 'Listening: A Guide to Building Deeper Connections' by Ross Judd '7 Habits of Highly Effective People' by Stephen Covey 'The Emotional Lives of Teenagers' by Lisa D'Amour Marco Polo app (mentioned as a tool for asynchronous communication) Happy Families website Action Steps for Parents: Watch for unusual behaviour or emotional signals that indicate your child needs a deeper conversation. When those moments occur, stay quiet and use neutral phrases like "tell me more" rather than offering solutions. Practice summarizsing what your child says to show you've understood and to quiet your own "monkey mind". Remember that by not offering immediate solutions, you're showing confidence in your child's ability to find answers. See omnystudio.com/listener for privacy information.

B2B founder? Hard to explain offering? Go from CONFUSION to CONVERSION with a Clear Sales Message™

In this episode, we delve into why “kindness” was chosen as the Oxford Children's Word of the Year for 2024. Surveying over 6,000 children aged 6 to 14, 61% selected “kindness,” reflecting a growing awareness of mental health and the importance of empathy. We explore the factors influencing this choice, including children's sensitivity to global events and their understanding of kindness's impact on well-being. Join us as we discuss the significance of this selection and its implications for future generations.Become a supporter of this podcast: https://www.spreaker.com/podcast/mark-and-pete--1245374/support.

Welcome to Day Three of the TEDx Quest Challenge, your host, Helen Packham, will share the art of crafting a TEDx-worthy idea with a clear, captivating message that makes people stop and listen. Drawing from her extensive experience with TED, both as a speaker and organiser, we'll explore what makes an idea truly worth spreading. We'll break down the components of a big idea, the importance of making it relatable at a societal level, and how to ensure your message is both unique and impactful. Let's go!Here are the highlights:00:00 Introduction 05:28 When applying for a TEDx license, it's crucial to consider the community needs and the relevance, uniqueness, and timeliness of the idea.07:57 Summarise your TEDx idea in one sentence and use the provided Google form for feedback during the Live Challenge.Connect with Helen:Website: helenpackham.comInstagram: www.instagram.com/helenpackhamFacebook: www.facebook.com/helenpackhamcoachLinkedIn: www.linkedin.com/in/helenpackhamIf you haven't already signed up, come and join the TEDx Quest!You'll get access to exclusive bonuses and simple, actionable steps to make your TED dreams a reality.Join the quest here: https://helenpackham.com/tedx-questProduced by winteraudio.co.uk

Apple today announced the release of iOS 18.2, iPadOS 18.2, and macOS Sequoia 15.2, introducing a brand-new set of Apple Intelligence features that will elevate users' experience with iPhone, iPad, and Mac, and builds on the Today, Apple Intelligence also begins language expansion with localised English support for Ireland, Australia, Canada, New Zealand, South Africa, and the U.K., giving even more users around the world powerful new ways to use their iPhone, iPad, and Mac. Additional languages, including Chinese, English (India), English (Singapore), French, German, Italian, Japanese, Korean, Portuguese, Spanish, and Vietnamese, will be coming throughout the year, with an initial set arriving in a software update in April. Design Fun, Original Images with Image Playground The Image Playground experience allows users to easily create fun and unique images with concepts like themes, costumes, accessories, and places. Users can add their own text descriptions, and can even create images in the likeness of a family member or friend using photos from their photo library. Image Playground generates images in distinct styles, including Animation - a modern, 3D-animated look - and Illustration, which offers images with simple shapes, clear lines, and colour blocking. The experience is integrated right into Messages, making it easier than ever to create images for conversations, as well as into apps like Freeform, Keynote, and many others. Image Playground is also available as a brand-new dedicated app. Create Genmoji to Fit Any Moment With the power of Apple Intelligence, emoji is taken to the next level with Genmoji, making conversations with family and friends more fun and playful, and opening up entirely new ways to communicate. By simply typing a description into the emoji keyboard, a Genmoji will appear, including multiple options to choose from. With images from their photo library, users can take Genmoji even further by creating one that is inspired by a friend or family member. Personalised Genmoji can be customised with accessories, like a hat or sunglasses, and can reflect themes or activities to make them even more personal and unique. Just like emoji, Genmoji can be added inline to messages, or shared as a sticker or reaction in a Tapback.1 Take Notes to the Next Level with Image Wand The Notes app gets new tools to make note-taking more visual and dynamic. With Image Wand in the tool palette, users can quickly create images in their note using the written or visual context already captured within the note. Image Wand transforms a rough sketch into a polished image by simply circling it. Users can even circle empty space within a note, and Image Wand will gather context from the surrounding area - using on-device generative models to analyse the handwritten or typed text - to create a relevant image that complements the note and makes it more visual. Users can create images with the Animation, Illustration, and an additional Sketch style in Image Wand. Describe Changes in Writing Tools Writing Tools build on the existing options of Rewrite, Proofread, and Summarise with the new ability for users to specify the change they'd like to make, using the new Describe Your Change option. Describe Your Change gives users even more flexibility and control when they'd like to make their writing sound more expressive, such as to add more dynamic action words to their resume or even rewrite a dinner party invitation in the form of a poem, and more. Just like all of the features with Writing Tools, this new Describe Your Change option is available systemwide across Apple and many third-party apps. Learn More About Surroundings in One Click with Visual Intelligence A new visual intelligence experience builds on Apple Intelligence and helps users learn about objects and places instantly, thanks to the new Camera Control on the iPhone 16 lineup. Visual intelligence can summarise and copy text, translate text between languages, detect ...

How can parametric insurance transform risk management in an unpredictable world? Munich Re, a leader in reinsurance, is paving the way for innovative parametric solutions addressing weather-related and natural catastrophe risks. Robin Merttens is joined by René Mück, Global Head of Parametric NatCat, and Marcel-Steffen Reif, Global Head of Weather Agricultural Risks, to explore how Munich Re's data-driven insurance products help corporates, public sector entities and industries navigate complex and evolving risks. A key focus of the conversation is understanding the growing demand for parametric insurance, its role in bridging protection gaps and how Munich Re is developing solutions for emerging risks like green energy and agriculture. Key talking points: What does the Capital Partners unit at Munich Re do? How parametric insurance addresses gaps in traditional coverage. Revenue smoothing for industries like renewable energy and agriculture. Client use cases – from supply chain disruptions to hurricane protection. Addressing basis risk in parametric insurance and how to manage it. Expanding applications for parametric solutions, including public sector resilience. Sensor technology and its potential to enhance parametric insurance accuracy. The importance of client education and engagement in driving adoption. If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. Continuing Professional Development This InsTech Podcast Episode is accredited by the Chartered Insurance Institute (CII). By listening, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Define the concept of basis risk in parametric insurance and its implications for claims. Summarise the role of client education in fostering adoption of parametric insurance. List the key industries benefiting from parametric solutions, including energy, agriculture and construction. If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 328 page of the InsTech website or email cpd@instech.co to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

According to Mike Hobday, CEO of Insurants, the company is “a bit like being the Google Translator of the commercial insurance market”. Insurants is developed by Antworks in collaboration with Marsh McLennan to help commercial insurance companies manage and process their documents. This week, Matthew caught up with Mike, who previously having spent 12 years at IBM, witnessed early AI automation with the likes of Watson, through which he fell in love with document processing. At Insurants, Mike is bridging the language barrier (so to speak) between data that flows between brokers and carriers. Key talking points include:  The importance of summarisation - courtesy of the InsTech AI bot intern Falling in love with document processing - Mike's career journey What is the current problem with document processing in insurance The Periodic Table Insurants accuracy - working with Marsh Commonality between insurance and the left side of the brain Moving business back to the UK Vital advice for small carriers and brokers If you like what you're hearing, please leave us a review on whichever platform you use or contact Mike Hodbay or Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. Continuing Professional Development This InsTech Podcast Episode is accredited by the Chartered Insurance Institute (CII). By listening, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Explain the issues with document processing in the insurance industry and why automation is the solution. Identify different types of documents used in insurance and their purpose. Summarise ways in which a carrier can integrate a document processing AI system into their workflow. If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 322 page of the InsTech website or email cpd@instech.co to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

The Crown says Philip Polkinghorne's obsession with sex worker Madison Ashton drove him to murder his wife. The former eye surgeon is accused of killing Pauline Hanna in 2021, though he claims her death was suicide. Prosecutor Alysha McClintock began her closing address yesterday. Felix Walton reports.

Viva Amplify had a lot to share this week. Improvements to metrics, in service of improved campaign goal setting. Copilot in Word is going to auto-summarise your documents each time you open them. Microsoft Graph Connector increases it's indexed item limit to 50 million external items.   Daniel and Darrell now share their 365 Message Center message sorting with a live audience. Join the live stream and the chat. Contribute to the show and tell us which messages are important to you and why.

Talk 40 Mark 13:24-37 Signs of His Coming? Welcome to Talk 40 in our series on Mark's Gospel. Last time we were looking at Mark 13:1-23 and considering some of the problems in interpreting this difficult chapter. I suggested that most of what Jesus says in that passage relates primarily to the events that would occur around the time of the destruction of Jerusalem in AD70, which Jesus so accurately predicted in verses 1-4. Today we're considering the rest of chapter 13, verses 24-37, where, as we shall see, some verses are by no means easy to understand. But let's begin by reading verses 24-31. 24"But in those days, following that distress, "'the sun will be darkened, and the moon will not give its light; 25 the stars will fall from the sky, and the heavenly bodies will be shaken.' 26 "At that time men will see the Son of Man coming in clouds with great power and glory. 27 And he will send his angels and gather his elect from the four winds, from the ends of the earth to the ends of the heavens.   28 "Now learn this lesson from the fig tree: As soon as its twigs get tender and its leaves come out, you know that summer is near. 29 Even so, when you see these things happening, you know that it is near, right at the door. 30 I tell you the truth, this generation will certainly not pass away until all these things have happened. 31 Heaven and earth will pass away, but my words will never pass away.   Before we get into the passage let me remind you of what I said last time about difficulties interpreting the whole chapter. This will be a very brief summary, so, if you haven't yet listened to, or read the notes on, last week's talk, I recommend that you do so before going any further.   The first problem arises from the fact that Jesus is answering two questions asked by the disciples at the beginning of the chapter and it's not always easy to decide which part of Jesus' answer refers to which question. Is this verse talking about the destruction of the temple or does it refer to the second coming?   The second difficulty is deciding which parts of Jesus' answer are to be taken literally and which are to be taken symbolically. In my view, much of the chapter is to be understood literally, but some verses must be intended to be understood symbolically or metaphorically.   In attempting to resolve these difficulties, I said that the first thing we must do is to find out more about the context, and I gave a brief description of what we know from history about the horrendous events that occurred surrounding the time of the destruction of the temple in AD70. So now, in today's talk, I want to do three things:   ·      Examine two very different interpretations of verses 24-31. ·      Emphasise why it's a mistake to be constantly looking for signs of the Lord's return (vv.32-37). ·      Summarise what lessons we have learnt from the chapter as a whole. Verses 24-31  Two different interpretations Interpretations of these verses fall into two main categories: a)     Those who see most or all of this passage as referring to the second coming b)     Those who understand most or all of the passage to refer to the events around AD70. Clearly these are two very different points of view, and we won't have time to deal with them in great detail. So what I'm going to do is summarise four main arguments that seem to support the view that this passage relates to the second coming, and alongside them to state a counter argument that is sometimes made by those who take the alternative view. It is not my intention to be dogmatic, and, in fact, part of my purpose is to encourage you to form your own conclusions, but not to be too dogmatic, whatever your view may be.   1)     In Matthew's account one of the questions the disciples asked Jesus was about the second coming (Matthew 24:3). We would, therefore, expect that at least part of Jesus' answer would relate to the second coming.   HOWEVER, one problem with this argument is that in verse 30 Jesus says, I tell you the truth, this generation will certainly not pass away until all these things have happened. So these verses, it is argued, cannot refer to the second coming unless Jesus himself mistakenly believed that the second coming would take place within a generation of his making the statement, which it clearly did not, but the fall of Jerusalem certainly did!   2)     The events described in vv.24-25 would appear to be unique in world history. They are the kind of things one might expect at the end of the age and verse 27 talks of the Son of Man coming in clouds with great power and glory.   HOWEVER, in Daniel 7:13-14 we read: In my vision at night I looked, and there before me was one like a son of man, coming with the clouds of heaven. He approached the Ancient of Days and was led into his presence. 14 He was given authority, glory and sovereign power; all peoples, nations and men of every language worshipped him. His dominion is an everlasting dominion that will not pass away, and his kingdom is one that will never be destroyed.   So, it is argued, in its original context, the Son of Man is coming to God and could well refer to Jesus' ascension into Heaven rather than his coming from Heaven. Moreover, it's difficult to see how Jesus could have intended us to understand phrases like the stars will fall from the sky (v25) literally. The terminology used in these verses is reminiscent of the poetic language used by the Old Testament prophets and should be interpreted symbolically. And in light of the fact that they were to be fulfilled within a generation, this, it is argued, is the best way to interpret them.   3)     If the fig tree mentioned in verse 28 refers to Israel as it appears to in Mark 11:20-25, then the passage must relate to the end times when, according to this view, the full number of Gentiles has come in and all Israel shall be saved (Romans 11:25-26, cf. Luke 21:24).   HOWEVER, there is no need to assume that the mention of the fig tree refers to Israel on this occasion. Jesus could equally well have meant that, just as you know that when the leaves of a fig tree start to come out, the summer is near, so be absolutely sure that, when you see the things I have been talking about begin to happen, the dreadful events that will take place at the destruction of Jerusalem will soon come to pass.   4)     In verse 31 Jesus says that Heaven and earth will pass away, which suggests that the passage relates to the time of the end.   HOWEVER, the point that Jesus is making in this verse is that whatever happens, his words will never fail. There is a clear claim to deity here. Who else but God could make such a claim? Jesus is the truth (John 14:6). You can rely on everything he says, whether it be about the second coming or the destruction of Jerusalem, or anything else, for that matter. So that concludes my summary of two very different interpretations of verses 24-31, and in my view it would be unwise to take a dogmatic position on either side. There are some passages of Scripture that are open to more than one possible interpretation. However, when we come to verses 32-37 it seems obvious, to me at least, that these verses must relate to the second coming, as a comparison with the parallel passage in Matthew 24:36-44 clearly indicates.   Verses 32-37  Only the Father knows the timing, so don't look for signs, but be ready 32 "No one knows about that day or hour, not even the angels in heaven, nor the Son, but only the Father. 33 Be on guard! Be alert! You do not know when that time will come. 34 It's like a man going away: He leaves his house and puts his servants in charge, each with his assigned task, and tells the one at the door to keep watch. 35 "Therefore keep watch because you do not know when the owner of the house will come back –   whether in the evening, or at midnight, or when the rooster crows, or at dawn. 36 If he comes suddenly, do not let him find you sleeping. 37 What I say to you, I say to everyone: 'Watch!'"   As I have already said, the parallel passage in Matthew 24 makes it clear that it relates to the second coming. Jesus says: As it was in the days of Noah, so it will be at the coming of the Son of Man. For in the days before the flood, people were eating and drinking, marrying and giving in marriage, up to the day Noah entered the ark; and they knew nothing about what would happen until the flood came and took them all away. That is how it will be at the coming of the Son of Man (vv37-39).   This cannot possibly refer to the coming of the Son of Man described in Daniel 7, which as we have seen may well be better understood to be a reference to Jesus' ascension into Heaven rather than his return from it. But in these verses Jesus is clearly referring to his second coming which will be as unexpected as the flood was in the time of Noah.   However, unlike Noah, who was told on what day God would send the rain, no-one will know the timing of the Lord's return. Jesus said that even he did not know. And if Jesus didn't know, I wonder why some Christians seem to think that they can work it out! But it's sometimes said in response to this criticism that it was only the day and the hour that we cannot know. But in the next verse Jesus says, You do not know when that time will come. The Greek word for time here is kairos, which does not refer to the time of day, but means season. This is backed up by what Jesus reiterated in in Acts 1:7 when he told his disciples:   It's not for you to know the times or the seasons which the Father has put under his own authority.   So why does Jesus tell us to Be alert! Be on guard! Watch!? The answer is simple. He doesn't mean watch for signs. He means Stay awake! Be alert (v33) literally means, Don't go to sleep. It's used of the disciples in Gethsemane whom Jesus found sleeping, and here in verse 36 Jesus says, If he (the Son of Man) comes suddenly, do not let him find you sleeping. And the word for watch in verses 34, 35, and 37 means Keep awake, be vigilant. It's used elsewhere in the New Testament in connection with: ·      Not letting the enemy break through (Luke 12:39) ·      Standing firm in the faith and being strong (1 Corinthians 16:13) ·      Keeping awake in prayer (Colossians 4:2) ·      Being sober and vigilant because the enemy goes about like a roaring lion… (1 Peter 5:8) ·      Staying awake and not being found naked and shamefully exposed when the Lord returns (Revelation 16:15). So, when the Lord tells us to watch, he is not telling us to watch for signs. He's saying that  because we do not know when he will return, we need to be in a permanent state of readiness. And we can do that without constantly looking for signs. We can do it by living lives that please him and by using the gifts and talents he has given us (Matthew 25:14-30). We should concentrate on telling others about him, not trying to know what Jesus has told us is not for us to know (Acts 1:6-8).   Lessons we can learn from the whole chapter So now, as we draw to  a close our discussion on this difficult chapter, let's remind ourselves of some of the lessons we have learnt. I have pointed out that the problems of interpretation arise from two factors, 1) deciding which of the disciples' two questions in verse 4 Jesus is answering at any point in the chapter, and 2) determining when the language he is using  is meant to be understood literally or symbolically. Because of these difficulties, I have suggested that it would be unwise to be dogmatic, but that perhaps verses 5-23 should be seen as largely relating to Jesus' prophecy of destruction of Jerusalem in AD70, that verses 24-31 are open to either interpretation depending mainly on whether one sees 24-27 as literal or symbolic, and that verses 32-37 relate very definitely to the second coming.   However, despite the difficulties, I do believe that the principles that Jesus teaches in all three sections are relevant to all Christians throughout the history of the church, and so I want to conclude by reminding you of seven things that I have mentioned already, either in the last talk or in this. I hope that, whatever your view on the second coming, you will find yourself in agreement, at least with most of them.   ·      We must watch out for deceivers ·      We must not be surprised by international turmoil and natural disasters ·      We must expect to be persecuted ·      We must continue to tell others about Jesus, relying on the help of the Holy Spirit ·      We must not try to work out the timing of Christ's coming, because it's not for us to know ·      We must stay awake, in a permanent state of readiness for the Lord's return, because ·      THE LORD IS CERTAINLY COMING and, if we're ready, we simply do not need to know when. Finally, as I mentioned last time, we'll be taking a break for the rest of August, and our series on Mark will continue, God willing, in September.    

As one of the oldest insurtechs and thirty years in the business - what can we learn from Insurity? Robin Merttens spoke to Chris Lafond, CEO of Insurity - a P&C insurance software provider offering cloud-based solutions to help companies focus on profitability. After a series of acquisitions in 2019, Insurity continue to execute their thesis from five years ago in embracing the cloud and providing the industry with out-of-the-box technology solutions. It is currently trusted by 12 of the top 15 managing agents in London.  Tune in to hear Robin and Chris discuss Insurity's expanding presence in the London Market and whether the term “insurtech” is a helpful word.  Key talking points include: Celebrating three decades in the industry GI Partners and expanding Insurity  Looking back at Insurity's thesis in 2019 The need for underwriting workbenches in the London Market Is AI the ‘data warehouse' of our time? To ‘insurtech' or not to ‘insurtech'? The future of acquisitions for Insurity The curse of past technology decisions - the problems that occur with legacy systems If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. Continuing Professional Development This InsTech Podcast Episode is accredited by the Chartered Insurance Institute (CII). By listening, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Specify how an underwriting workbench can help users Explain what the cloud is in insurance and how it can help users  Summarise why mergers and acquisitions (M&A) can be beneficial for a company If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 313 page of the InsTech website or email cpd@instech.co to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

Welcome to another episode of The Keto Vegan Podcast! Rachel, your dedicated host, is back to share her latest adventures in navigating the world as a keto vegan. In this episode, Rachel talks about her recent experience at her cousin's wedding, where she faced yet another challenge with the food options—or lack thereof—for vegans. Unfortunately, there were no keto vegan options, and to make matters worse, the vegan dishes she requested were gone by the time she arrived. This marks the second wedding where she's encountered this issue, and it's starting to get quite frustrating. Rachel also recounts her trip to Butlins for an Adult Big Weekender. Thankfully, the food situation was slightly better due to the availability of a small kitchen, allowing her to bring her own food. Despite this, she ended up trying a not-so-great vegan burger at one of the pubs and later broke keto for a surprisingly enjoyable Vegan Royale at Burger King, which she suspects was more enjoyable due to a few too many G&Ts. On a brighter note, Rachel shares her visit to VK Diner in Waterlooville, a fantastic spot her daughter discovered. This diner specialises in vegan ‘dirty' food and offers a refreshing change with its extensive menu, giving Rachel more than just one or two options to choose from. Join Rachel as she delves into these stories and reflects on the ongoing challenges and occasional triumphs of being a keto vegan in a world that's still catching up. Key Takeaways In Rachel's recent experience weddings & vegan don't seem to go well together. Rachel had a bit of a rant, nothing to do with the champagne or G&Ts! Find out what Rachel thought of the Burger King Vegan Royale. The VK Diner is perfect for vegans and you can do keto there too. Link below. Best Moments “I did take some smoky almonds with me just in case there was nothing else to eat.” “I forgot about the smoky almonds!” “This is my fabulous cousin.” “Who's not keto or vegan… yet!” “Are you really doing a podcast?!” “When I went to the BBQ for my vegan food… it had all gone!” Key Takeaways 30-50 words, 4-6 takeaways from the episode Find 4-6 moments from the episode and summarise main points from each.  Summarise info from the episode rather than hinting at what is to come. Use this to support the listen that has already happened. Best moments 20-40 words, 4-6 moments from episode Highlight best quotes, tweetable and valuable things that each participant has said.  Can serve as a means of promoting the listen but really should be viewed more as a way to let listeners easily find and share the quotes that they loved. Ensure they are full sentences that would be interesting if read alone. Valuable Resources The VK Diner, Waterlooville: https://vkonline.co.uk/ For an extensive list of foods with their carb, fat and protein count, go here: https://www.rachelgtherapy.co.uk/1-what-why-and-how For a keto-vegan start-up menu and shopping list go here: https://www.rachelgtherapy.co.uk/1-what-why-and-how   Host Bio Rachel, a once morbidly obese individual, experienced a remarkable body transformation through the keto diet. Later, she embraced veganism and now shares her extensive knowledge and obsession with carbs in vegan proteins on The Keto Vegan podcast. Her goal is to demonstrate the simplicity of combining the keto diet with a vegan lifestyle. Resources: https://www.rachelgtherapy.co.uk/the-keto-vegan Watch here: https://www.youtube.com/@TheKetoVegan/podcasts Facebook group: https://www.facebook.com/groups/821471059206067 Email: contact@rachelgtherapy.co.uk https://theketovegan.podbean.com/  

KatRisk is a catastrophe modelling company providing global inland flood, storm surge and windstorm loss assessments for some of the largest insurers, reinsurers and brokers in the world.  Taking a macrocosm approach, the company's models offer an open software architecture, allowing users to better understand correlated risks and to make modifications to suit specific needs. Matthew Grant caught up with Dag Lohmann and Brandon Katz on the company's development such as taking on strategic investment from TA Associates, and the challenges that come with modelling correlated risks such as tornadoes, tornadoes, straight-line winds and more. Key talking points: The journey to strategic investment Innovating catastrophe modelling with advanced technology Client collaboration and transparency: a core ethos Leveraging high-resolution models for underwriting and risk assessment The future of catastrophe modelling and climate reporting Looking ahead: expansion and new developments If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us hello@instech.co Continuing Professional Development This InsTech Podcast Episode is accredited by the Chartered Insurance Institute (CII). By listening, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Define how correlation has changed the methods catastrophe modelling is conducted Identify the different types of government bodies that work alongside catastrophe modellers and why Summarise why catastrophe modelling tornados is difficult and why granularity of data can help If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 300 page of the InsTech website or email cpd@instech.co to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

We're piloting a new style of podcast this week and borrowing the InsTech podcast channel to test this out.  If you are wondering what is going on behind the news items you read about in insurance or technology then this new podcast is for you. We're bringing together experts, founders, insurers and some well know figures to tell us the news items that are capturing their attention - and why.  Matthew Grant CEO of InsTech is joined face to face in London by fellow podcasting enthusiast Nigel Walsh, Managing Director, Insurance, Google Cloud US, James Birch, Development Director at Ki Insurance and Bijal Patel, Co-founder and Chief Technology Officer, Aurora Insurance.   And we've got more. This week we have an interview with the CEO of Ki Insurance Mark Allan, a listener question and a chance to hear our hosts and guests predictions for 2024. The news we're discussing this week is: Ki insurance new capacity partners Travelers and Aspen Why the range of loss estimates from Hurricane Otis is so high Howden Group £500m insurtech ventures fund Look out for more in this new podcast series coming in 2024. Please let us know what questions you'd like our hosts and guests to answer and any new ideas to keep you listening.  If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us hello@instech.co Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Identify the capacity for innovation in insurance. Explain why MGAs are the future. Summarise reasons for collaboration and data sharing. If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 277 page of the InsTech website or email cpd@instech.co to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

Welcome back to a part 2 of learning how to entertain in your outdoor living space where we explore more features to transform your backyard into paradise. Discover the word of the day, the answer to your answer to your questions sent in via our website, www.poolsideperspective.com and more. Tune in as we: Summarise the key takeaways from both episodes. Emphasise the importance of tailoring your backyard entertainment practices to individual preferences. Encourage listeners to start envisioning their ideal backyard experience. Thanks for listening in, please comment, rate and review

To summarise your whole life in 6 words is a bold claim, so let me be a little more precise but no less bold and aim to summarise your pain, disfunction and suffering in just 6 words. If you are willing to try it on, I'm sure you'll find this elegantly simple summary gives you more than enough clarity to defeat your worst fear for good.

Addresscloud has grown from a team of three to a team of eleven since InsTech last spoke to Founder and CEO, Mark Varley.  In this episode, Matthew's discussion with Mark covers Addresscloud's core services such as geocoding and peril risk assessment, and its recent launch of a new management platform called Addresscloud Risk. Tune in to hear more about fire blocks and how Addresscloud utilises open-data sets to simulate fire spread for insurance purposes. Key talking points include: Utilizing open-data sources Working with serverless technology  Partnerships with Allied World Insurance and solving their pain points A look back to the InsTech and Addresscloud Breakfast Event In addition to hearing about Addresscloud's work with Allied World, we talk about other partners including Cytora, Send, Flood Re and hyperexponential. For more information about Addresscloud and Risk, visit instech.addresscloud.com If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us hello@instech.co Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Describe methods to managing accumulation of risk.  Summarise why real-time risk assessment is crucial. List various reasons why partnerships drive strategic growth. If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 273 page of the InsTech website or email cpd@instech.co to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

Capgemini is an information technology services and consulting company which partners with businesses to develop innovation solutions. In this episode, Matthew Grant speaks to Kristofer le Sage de Fontenay, Insurance Leader at Capgemini, about the company's investment in generative AI. Capgemini is focusing on helping clients solve their pain points through digital solutions, investing $2 billion USD in generative AI over the next three years and recruiting 30,000 new people with expertise in data and artificial intelligence. Tune in to find out how Capgemini is trying to alleviate pain points including legacy systems, data access and control, and talent acquisition.  Talking points include: Developing and investing in generative AI Consumer trust in generative AI  The potential for advertising through AI If you like what you're hearing, please leave us a review on whichever platform you use or contact Kristofer le Sage de Fontenay and Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. To find out more about InsTech, our membership and offerings visit www.instech.co or contact us hello@instech.co Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast, you can claim up to 0.5 hours towards your CPD scheme. By the end of this podcast, you should be able to meet the following Learning Objectives: Describe how generative AI can be deployed and developed within a company.  Define various pain points in the insurance industry and their causes. Summarise the factors that need to be considered before integrating generative AI into an industry. If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 272 page of the InsTech website or email cpd@instech.co to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

In this episode, Mukesh Bansal (Founder Myntra and Cult.fit) is in conversation with Mukesh Prasad Singh, an IIT graduate who went onto MIT only to know that he would drop out of the prestigious university a year later. An early participant of the first wave of Startups in the 90's, Mukesh has been a part of some of the most prominent companies working today. ‘ZopNow', one of the first few online e-commerce platforms in India was founded by him in 2011 which kickstarted his entrepreneurial journey.This episode sheds light on his risk taking appetite and how he has cultivated a strong will power over the last 25 years working around Startups. From being a member of the core team of Amazon India to serving as Chief Technology Officer at Make My Trip, Mukesh aka Mukri's journey is nothing short of an inspiration to the young entrepreneurs out there!We also get to take a deep dive into Mukri's love for marathons and his influences behind an impressive long list of passion projects. If you are someone who wishes to know more about the experiences of Startups in Silicon Valley or anecdotes of JEE toppers, this episode is specially curated for you. Watch till the end to know for an engaging conversation between these two!00:00:00 - 00:01:18 Sneak Peak of the Episode!00:01:19 - 00:03:09 About our Guest: Mukesh Prasad Singh aka Mukri00:03:10 - 00:05:36 From IIT to MIT00:05:37 - 00:08:35 Mukesh's time in Boston00:08:36 - 00:10:33 Dropping out of MIT00:10:34 - 00:16:52 Mukesh's first startup: ‘Oasis'00:16:53 - 00:22:14 Where does Mukesh's risk taking come from?00:22:15 - 00:25:50 Hoping for a brighter future: India's road to being a developed nation00:25:51 - 00:30:57 Mukesh's anecdote about the JEE exam00:30:58 - 00:33:47 'The Art of Planning': Perfecting your plan00:33:48 - 00:39:39 Learnings from being an employee at eGain00:39:40 -  00:41:31 Prioritising learning and experiences00:41:32 -  00:47:37 Mukesh's passion for marathons and his learnings00:47:38 - 00:52:51 Cultivating a strong Will Power00:52:52 - 00:59:58 What made Mukesh move back to India?00:59:59 -  1:05:20 “Is this India's time to shine?” Insights on India's development model1:05:21 - 1:11:17 How to brace through the early start up years?1:11:18 - 1:13:03 Internal Satisfaction Vs. External Success1:13:04 - 1:18:40 Mukesh's experience working at Amazon & MakeMyTrip1:18:41 -  1:23:15 The famous Ganesha-Jeff Bezos Story!1:23:16 - 1:29:10 Boom of E-Commerce in India1:29:11 - 1:32:42 Mukesh talks about building ‘ZopNow'1:32:43 - 1:38:46 Handling the Co-Founder Dynamic1:38:47 - 1:43:00 “Working well past your 80's”1:43:01 - 1:58:31 Overcoming struggles building ZopNow1:58:32 - 20:01:18 Beyond Entrepreneurship: Mukesh's love for farming20:01:19 - 2:04:34 ‘Summarise': Mukesh's passion project2:04:35 - 2:08:45 How does Mukesh find time for his projects?2:08:46 - 2:10:35 Outro: Thanking our Guest2:10:36 - 2:11:21 Outro MusicAbout SparX by Mukesh Bansal SparX is a podcast where we delve into cutting-edge scientific research, stories from impact-makers and tools for unlocking the secrets to human potential and growth.  We believe that entrepreneurship, fitness and the science of productivity is at the forefront of the India Story; the country is at the cusp of greatness and at SparX, we wish to make these tools accessible for every generation of Indians to be able to make the most of the opportunities around us.  In a new episode every Sunday, our host Mukesh Bansal (Founder Myntra and Cult.fit) will talk to guests from all walks of life and also break down everything he's learnt about the science of impact over the course of his 20-year long career.  This is the India Century, and we're enthusiastic to start this journey with you. Follow us on Instagram:    https://www.instagram.com/sparxbymukeshbansal/You can also listen to SparX on all audio platformsFasion | Outbreak | Courtesy EpidemicSound.com

On this month's episode, Amy sits down with comedian, author, and entertainer Jason Byrne. They chat about growing up and Jason's happy, fun, if somewhat injury-prone, childhood. There's also talk of a potential fight with Brian O'Driscoll, but this is immediately abandoned. Too many variables.  Jason is father to two boys and breaks the terrible news to Amy that her kids won't want to be in a WhatsApp group with her when they are teenagers. Sob. They discuss the highs and lows of parenting and talk about Jason's dad, who passed away not too long ago, and the show Jason wrote about his life. There's plenty about Jason's career and life and how in the end, if things get a little too long-winded, it's best to just shout “summarise!” and speed everything along!

Welcome to The Nonlinear Library, where we use Text-to-Speech software to convert the best writing from the Rationalist and EA communities into audio. This is: Announcing Introductions for Collaborative Truth Seeking Tools, published by brook on January 23, 2023 on The Effective Altruism Forum. EA involves working together remotely a lot. Tools exist to make this experience better, but they may be underused. In particular, we're trying to do truth seeking. It's easier to do that when it's easy to explain your view, understand others', and quickly see agreements, disagreements and cruxes. In addition, taking some time to lay out your model clearly is probably good for your own thinking and understanding. This sequence will introduce tools for doing that, alongside tutorials & guidance. Each day's post will also have a challenge you can use the tool to solve, to get a feel for the tool and see if it's for you. We'll also be running a short session each day in the EA GatherTown; if you want to try the tools as part of a group, make sure to come along! Why do this? EA involves a lot of collaborating, often remotely, and in particular communicating complex models or concepts. There are a lot of software tools available to help with this, but they don't seem to be used as often as they could be, or as broadly. Often, when tutorials exist, they're poorly written and/or not targeted at the way EAs would likely be using this tool. This project has 3 key goals: Increase the use of collaborative truth-seeking tools (so EAs can find truth better together) Improve how EAs are using these tools (by introducing them to the key features quickly) Save EAs time (searching for tutorials or looking through poorly-written documentation) What is it? I've collated tutorials (where they exist) and written or recorded them (where they don't) which I think are useful for EAs. There'll be a forum post each day for the next 7 week days, each consisting of video and text tutorials for either one complex tool or a handful of smaller tools. Sometimes posts will consist primarily of links elsewhere, if good tutorials already exist. To help people find tools which might be useful for a given project, there's also a wiki page with short summaries of tools. Here are the posts you can expect to see over the next [??]: Guesstimate: Why and How to Use it Visualisation of Probability Mass Squiggle: Why and How to Use it Loom: Why and How to Use it Excalidraw: Why and How to Use it Forecasting tools and Prediction Markets: Why and How Polis: Why and How to Use it What kinds of tasks are we talking about? To make this a little more concrete than 'collaborative truth seeking', here are some examples of tasks EAs might want to do which could benefit from the use of one of these tools: Get feedback on your model of the impact of a grant to provide malaria bed nets (guesstimate) Summarise a forum post visually (excalidraw) Summarise a forum post in video form (loom) View an aggregate prediction for when we might expect AGI before deciding which area of AI to work in, and how (metaculus) Compare theories of what kinds of interventions might be useful to reduce biorisk (excalidraw, guesstimate) Calculate the expected value of trialling meditating for 2 weeks (guesstimate) Estimate the success of an ongoing project providing access to birth control for monitoring and evaluation (squiggle) Record a 3 minute video summarising your progress instead of having an hour-long meeting with your supervisor (loom) Learn to quantitatively forecast with a short feedback loop (pastcasting) So, if you've tried to do tasks of this nature, keep an eye out! Tomorrow: Guesstimate, a tool for quantifying intuitions. As a final request, we'd also really appreciate any feedback you have about the tools or the posts, or if you have any suggestions for tools you think deserve to have posts made about them! Thanks for listening. To help us out with The Nonlinear Library or to learn more, please ...

How can AI like ChatGPT be used in healthcare? Find out in this comprehensive guide with Dr Keith Grimes

Welcome to The Nonlinear Library, where we use Text-to-Speech software to convert the best writing from the Rationalist and EA communities into audio. This is: A Summary of Profession-Based Community Building, published by Sean Lawrence on December 20, 2022 on The Effective Altruism Forum. TLDR: there are now a notable number of profession-based community building organisations in EA and below you will find the key activities, team structure, and ways to get involved for several of the most active organisations. Summary There has been a significant increase in the number of organisations catering to specific professions – profession-specific organisations (PSOs) – over the past 12-24 months and we want to update the community on who some of these organisations are and what they seek to provide for their members and the broader EA community. Please note that this list is not fully comprehensive. It should be treated as a partial snapshot of some of the organisations that exist in this space and a window into some of the ways in which they are doing community building in a profession-specific context. If your profession isn't listed on this post then you may find an organisation that does cater for it on High Impact Professional's Professional Groups Directory, which is a more comprehensive resource for finding professional groups (see their EA forum post). If you run a PSO that isn't on the High Impact Professionals' Workplace and Professional Groups Directory, please email Devon or book a call with him. Additionally, High Impact Professionals can help nascent PSOs through strategic support, reviewing grant proposals, making introductions, and more so don't hesitate to get in touch! If you run a PSO and would like to be added to this post, please copy and fill out this template and send it to Sean. The What and Why of Profession-Specific Organisations PSOs focus their organisational mission and scope on supporting a specific profession, or group of related professions, with tailored content and programming to help members of that field learn more about EA and how they can contribute to the shared project of doing the most good in the world. Additionally, PSOs provide a community of like-minded professionals to help increase network effects amongst members, limit value-drift and make the EA space more welcoming to professionals overall. Goals We think this post could be valuable to: Increase the awareness of existing PSOs and their activities. Recent EAGs have given some of us the impression that members of the EA community are unaware that there are active community building efforts targeting professionals and what each group's target focus and mechanisms of engagement are. Summarise the methods for engagement with professionals. This post may help to motivate nascent professional-specific groups, highlight commonalities in PSO's approaches so organisers can collaborate, and/or highlight gaps in approaches that could be filled. Help grow the membership of organisations. Inspire people to start groups for neglected professions. By seeing that there are already a lot of professional groups around, we hope that others see this as a viable way to have an impact in their profession. List of Profession-Specific Organisations (Please note that this list is not fully comprehensive)Last updated: 21st December 2022 EA Architects and Planners What do we do? We seek ways in which architects, urban designers, and planners can use their unique skills to get involved in EA causes and to have a greater positive impact. We are NOT focused on finding high-impact work within architecture and planning, but rather, explore a wide range of opportunities where architectural or design thinking may lead to more effective ways of doing good. As we research ways in which this might be achieved, we are updating the Career Options for EA Architects and Planners database to help others find inspiration. Our aim is to a) create an environment that support...

Do you need some inspiration as the year draws to a close? Helen has you covered! She asks you to summarise your business today, looking at the good, the bad and what needs to be changed as we move into the new year, taking a look at your work and how it could be improved in the future. Things can always be better! This episode is necessary for business owners and could enlighten you to problems within your company! Download Helen's eBook 'How to Make More Money in Your Tutoring Business' today: https://www.lovemondaysclub.co.uk/ebook Book your FREE discovery with Helen here: https://www.lovemondaysclub.co.uk/contact ____________ Meet Helen: My goals in life were very simple: I wanted a house, a dog and the freedom to make my own decisions. The corporate world was not for me. Endless meetings, relying on other people to approve my progress, and sitting in commuter traffic left me feeling uninspired. By my early 20's I had achieved my goals, and had done it all on my own. Starting my own businesses led to more freedom and happiness than I could have ever imagined. Now, after years of learning and discovering the route to an easy life, it's time for me to help you achieve your goals. Whether you are new to business or looking to find more freedom and success in your current role, my Mastermind courses are where you will find all of the support, accountability and proven business techniques you need to flourish. Find out more and sign up at : https://www.lovemondaysclub.co.uk/

Stripe provides technology infrastructure for the movement of money. Businesses use Stripe's software and APIs to accept payments and run financial operations in more than 100 countries. Robin Merttens sat down with the head of UK Enterprise Sales - Insurance & Insurtech, Calogero Scibetta. Talking points include: Why the insurance industry has been slow to embrace modern payment technology Supply chains, traceability and understanding transactions What an optimal payment infrastructure is and how it can be achieved How Stripe Climate is helping fund carbon capture projects If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. The Learning Objectives for this podcast are: Summarise the key factors considered by insurers when looking to optimise a payment infrastructure List the benefits of modern payment technology when compared to legacy systems in the insurance industry Explain what carbon capture entails and how insurers and technology providers are contributing to these projects If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 214 page of the InsTech website or email cpd@instech.co to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

The graph below shows the number of shops that closed and the number of new shops that opened in one country between 2011 and 2018.Summarise the information by selecting and reporting the main features, and make comparisons where relevant.Write at least 150 words.-Get full episodes of our IELTS Writing Task 1 and 2 episodes: https://www.patreon.com/ieltswfsMaria's IELTS writing course: https://course.yourielts.net/ielts-writing-courseListen to our IELTS Speaking podcast: https://fanlink.to/ieltssfsOur social media: https://linktr.ee/successwithielts© 2021 Success with IELTS Hosted on Acast. See acast.com/privacy for more information.

Gamma is a location intelligence provider, offering solutions to geographical questions. It uses software, data and spatial analytics to help companies reduce the risk of losses. Matthew was joined by Gamma's Chief Commercial Officer, Richard Garry and CEO, Feargal O'Neill. Talking points include: Overcoming the challenges of local address data in Ireland and the UK Creating complete crime data analytics from different sources Working with partners such as JBA Risk Management and Terrafirma (part of Dye & Durham) Case studies of how companies use Gamma's data Scoring data quality The incentives available to people for reducing wind and flood impact to their properties If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. The Learning Objectives for this podcast are: Summarise how software, data and spatial analytics are being used within the location intelligence space Explain the challenges of local address data in countries such as UK and Ireland, and ways in which these can be overcome Identify the key advantages offered to customers when reducing wind and flood impacts on their properties If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 212 page of the InsTech website or email cpd@instech.co to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

Gaia uses medical data to offer personalised financial plans to remove the financial barriers to accessing fertility care. It is the world's first IVF (in vitro fertilisation) insurance product that predicts fertility outcomes and insures against the risk of failure. Robin Merttens is joined by the Founder and CEO of Gaia, Nader AlSalim, to discuss why he wants to remove the financial barriers to fertility treatment. Talking points include: The insurance gap Nader's personal journey that encouraged him to start Gaia Gaia's experience with Lloyd's Lab Gaia's identity as a brand and the long-term plans for its evolution The partners they're looking for as they expand into new markets and geographies More InsTech content featuring Gaia is available on the company's member profile page.  If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. The Learning Objectives for this podcast are: Summarise the key financial barriers faced by potential fertility treatment patients Explain how medical data is used by insurers to create a personalised insurance offering List some of the benefits and initial challenges for an organisation engaging with Lloyd's Lab If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 210 page of the InsTech website or email cpd@instech.co to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.

Finding comprehensive sources of data for property underwriting continues to be a challenge around the world. Companies such as RE5Q are tapping into data sources previously unavailable to insurers and creating new analytics. Join Matthew Grant as he talks to CEO Martin Samworth and CTO Seth Rogers about how the company is using its experience in real estate to tackle some of the hardest problems when finding verifiable and timely information for insurers, along with case studies and client examples. Topics discussed include: New sources of hazard around the world The convergence of real estate and insurance Exploding sawmills Building powerful AI engines Getting the data in the hands of the underwriters More information at https://www.re5q.com/ - and don't miss the special offer at the end of the episode! If you like what you're hearing, please leave us a review on whichever platform you use or contact Matthew Grant on LinkedIn. Sign up to the InsTech newsletter for a fresh view on the world every Wednesday morning. Continuing Professional Development - Learning Objectives InsTech is accredited by The Chartered Insurance Institute (CII). By listening to any InsTech podcast or reading the accompanying transcript, you can claim up to 0.5 hours towards the CII member CPD scheme. The Learning Objectives for this podcast are: Summarise the current challenges faced within insurance when sourcing the relevant data for property underwriting List examples of how experience in the real estate industry has aided the property underwriting process Describe how AI technology is being implemented to generate relevant analytics for insurers in the property space If your organisation is a member of InsTech and you would like to receive a quarterly summary of the CPD hours you have earned, visit the Episode 205 page of the InsTech website or email cpd@instech.co to let us know you have listened to this podcast. To help us measure the impact of the learning, we would be grateful if you would take a minute to complete a quick feedback survey.