Podcasts about technically

Do you have an "I am a sinner" orientation or an "I am forgiven" orientation? Technically, this is two sides of the same coin, and the difference may seem like semantics. But your mindset regarding your sin is important. Join me for today's Daily Word & Prayer to learn more.Scripture Used in Today's MessageHebrews 10:1-18To find Tom on Instagram, Facebook, TiKTok, and elsewhere, go to linktr.ee/tomthepreache

Avni Desai is a dedicated professional at CGI, where she brings a thoughtful blend of leadership, strategic insight and a people‑centered approach to her work. Desai shared her journey from clinical practice to technology and discussed how she tackles challenges after work, such as the emotional impact of "mom guilt" and the importance of setting positive examples for children. As a mother to two young children, she discussed balancing her professional commitments with a nurturing, intentional approach to family life. She also critiqued the lack of wellness and emotional regulation programs in school and advocated for teaching financial literacy and healthy habits early.  

BENEATH THE WAVES ROILS A MURKY STEW OF KILLER ALIENS, MONSTROUS MUTANTS, PSYCHOTIC SOLDIERS, AND EVIL CORPORATIONS!!   Welcome to another of Genre Grinder's patented deep(sea)-dives into a single year in cinema when a specific genre fad peaked. This time, Gabe and Patrick Ripoll are looking at a strange moment in time, the year 1989, when seven different undersea sci-fi/horror/adventures were released*. How did this happen? Your intrepid podcasters will attempt to answer that and other questions in this very damp two-part special episode.   Part one covers the three studio releases: James Cameron's The Abyss, Sean S. Cunningham's DeepStar Six, and George P. Cosmatos' Leviathan. Part two will feature the B-to-Z-grade examples: Mary Ann Fisher's Lords of the Deep, Antonio Margheriti's Alien of the Deep (Italian: Alien degli abissi), Jean-Claude Dubois & Wayne Crawford's The Evil Below, and Juan Piquer Simón's The Rift (Spanish: La grieta).   * Technically six, but we'll get into that in part two.   00:00 – Intro: An Abridged History of Underwater Science Fiction and the Impact of Alien & Aliens 20:04 – The Abyss 1:07:53 – DeepStar Six 1:45:38 – Leviathan 2:17:44 – Outro  

Enjoy this special feed drop of our sister show "In This Economy?!" Following a negative performance for economic growth in the first quarter of 2026, the Canadian economy fell into what's been described as a "technical recession". While the headline was pounced on for political debate, with such a small decline (just a 0.1% contraction) and some parts of the economy still doing quite well, economists are downplaying the significance of all this recession talk. Nevertheless, under the weight of the trade war with the U.S., there are a lot of questions around the recent signals by the Bank of Canada even talking about hiking interest rates and whether the central bank will be changing its message to the markets next week with it's policy announcement on June 10th. Host Mike Eppel speaks with Royce Mendes, the managing director and head of macro strategy at Desjardins, about this so-called "recession", and what the consequences of reading too much into it might be. We love feedback at The Big Story, as well as suggestions for future episodes. You can find us:Through email at hello@thebigstorypodcast.ca Or @thebigstory.bsky.social on Bluesky

Send us Fan MailWill be buy the new/old Sportster if or when it hits the market?Marcus sits down with Ryan to talk about customizing, New bikes, Old Bikes, and everything in between. Support the show

When it comes to characters, Bangkok has them in droves - people who have been places, eaten things, talked to people, and lived adventures that would make your mother put her hand to her mouth and proclaim, "Oh my" with a frightened little squeak. On this episode of the Bangkok Podcast we're happy to have one of these epic characters on the show with us - Mr Alan Platt, who, as it happens, has just released a book about his adventures entitled Foreign Fool. Now I know what you're thinking, and it's the same thing we think when we hear self-published book by a farang in Bangkok, and that is, "Oh, yes, another one for the dusty back section of Asia Books, along with all the stories about hard-boiled detectives, heart-of-gold prostitutes, and love gone bad." But no - that's not what this book is about at all. In fact, take it from me (Greg), who has read the book - this is one hell of a fun read, and is actually - get this - really well written. From Saigon to Bangkok to Panama to London to Honolulu, Foreign Fool tells of, as Alan puts it, the bumbling misadventures of a doofus. I'll just let the first two paragraphs of the first chapter say it themselves: In Saigon, many years after the war was over, long after the city was declared safe for tourists and when even the hookers were becoming almost discreet, I was kidnapped. That does sound a bit dramatic, I admit. Technically, it was more an abduction. But however one puts it, any mention of that sort of thing floods the mind with images of some poor guy being jumped by thugs, bundled into the trunk of a car and splattered across the tabloids with a screech of tires and the burning of rubber. None of that happened to me. I was kidnapped on a bicycle. Alan discusses how he went from sunning his broke ass on a Los Angeles beach to the top of the New York ad world, how the book took shape, and a few of the stories - both in the book and not - that keep him looking ahead to the next trip. Buy Foreign Fool on Amazon.

This show has been flagged as Clean by the host. This series is dedicated to exploring little-known—and occasionally useful—trinkets lurking in the dusty corners of UNIX-like operating systems. In UNIX Curio #4 ( HPR episode 4617 ), I teased the subject of file compression. Today I'm circling back to that. The history of data compression goes back at least to the 1970s, and in contexts outside UNIX and computers, probably even earlier. Somehow, it is refreshing to learn that humans have always struggled to have enough storage space to keep all the data they want to hang on to. One way around this limitation is to use some form of compression. I am only going to dive into lossless compression for this episode—that is, a compression method that can be reversed and will spit out the original data bit for bit. Lossy compression methods also have their places: you might be familiar with their use for audio (such as Ogg Vorbis or MP3); it's also used for images (such as JPEG). Lossy compression allows some of the original data to be thrown away, resulting in a smaller file than is possible with lossless compression, but the intent is for the result to still sound or look "good enough" to a human observer. Also, I am going to limit my discussion to generic methods used for many types of data; while FLAC does lossless compression, it is specifically designed just for audio. I should make clear that I have never studied computer science or information theory, so this episode will not get into the science behind various types of compression algorithms and how they differ. But in general, these methods take advantage of the fact that many types of data have recurring patterns. English text mostly consists of words that often re-appear many times—source code similarly has keywords and variable names that recur. Compression is accomplished by representing a piece of data that occurs multiple times with a symbol that is shorter in length. The first compression program in the UNIX world I could find is called pack , from 1978 1 . It was shortly followed in 1979 by a similar program called compact 2 . Both of these used a technique called Huffman coding, but with some differences between them. Files compressed with pack were given a .z extension and compact gave filenames a .C extension. Roughly every five or ten years after this, a new program would come along and achieve lasting popularity. There were, and still are, two opposing forces facing any new form of compression. Working in favor was the advantages it provided—first among these was achieving a better compression ratio, but performance improvements such as speed or reduced memory usage could also be compelling. The force against any new method was the fact that it was not yet widely supported—it doesn't much help to have a smaller file if the people you share it with cannot decompress it. The next major advance in compression arose out of three scientific papers: two in 1977 and 1978 by Abraham Lempel and Jacob Ziv (called LZ77 and LZ78), and one by Terry Welch in 1984 which built on LZ78. This last method is typically referred to as LZW. Our UNIX Curio for today is a program called compress 3 that implements the LZW method. Files compressed this way are named with the extension .Z . I had always assumed that this was to honor Jacob Ziv, but now that I've researched the history, it seems more likely to be a follow-on from how files compressed by pack were named. Since pack did not use any of the Lempel-Ziv methods, I would guess that it used .z because that wasn't already taken by anything else, but that's pure speculation. I do recall encountering .Z files in the wild, but feel certain that hasn't happened in the last 25 years, maybe longer. If you need to expand one of these, uncompress 4 is the program to use ( GNU's gunzip can also handle them 5 ). However, there was a serious problem that arose with the LZ78 and LZW compression methods. Both of them were patented, and the owner became aggressive in seeking payment from developers and users. The compress utility was developed within two months of the publication of Welch's 1984 paper and was included in Bell Laboratories' Eighth Edition UNIX before these shakedowns started. The paper did not disclose that a patent had been filed, and apparently Spencer Thomas and the other developers of compress were unaware of it. The utility became popular for a while, and was even standardized by POSIX, but people moved away from LZW once the legal threats started. Another important advance came in 1991 and was called the DEFLATE compression method. It combined the un-patented LZ77 method with Huffman coding to achieve a similar level of compression as LZW (actually, often better) without the legal trouble. DEFLATE was developed for PKZIP and was soon adopted by the GNU project's gzip compressor. While Phil Katz (the "PK" in PKZIP ) patented one way of implementing the DEFLATE method, it was possible to write a compressor and decompressor without infringing 6 ; also, he apparently never tried to enforce the patent 7 . As I mentioned in UNIX Curio #4, .zip is both an archive and a compression format. Each archive member can be compressed with one of several possible methods (or stored without compression). Unlike a tar file where compression can be applied to the entire archive, in .zip each archive member is compressed individually. This often means a .zip file will be slightly bigger than a tar file with the same contents compressed with gzip , because the .zip format cannot take advantage of duplication that occurs among more than one member of the archive. The vast majority of .zip files use only the DEFLATE and uncompressed storage methods and these are the only options if you want to follow the profile standardized in ISO/IEC 21320-1. Actually, since they both use DEFLATE, gzip is able to extract a .zip file in the special case where it only holds one member compressed with that method. From the 1990s onward, people paid significant attention to avoiding patent landmines, so only methods that didn't have that problem became broadly popular. While the patents on LZ78 and LZW have since expired, I feel like their most successful legacy was in discouraging people from using those methods, leading to DEFLATE taking the popularity crown. The next step came in 1996 and 1997 with the development of bzip and bzip2 by Julian Seward. The original method was quickly followed by bzip2 , which was the version that achieved true popularity. They use the Burrows-Wheeler transform, which does not itself compress data but re-arranges it to make it more compressible; this is combined with other techniques 8 . (At least, that's my understanding. I told you, I'm not up on information theory.) This provides a significant reduction in the compressed size of the data compared to earlier methods—however, it is slower than DEFLATE both during compression and decompression. Separate projects have developed parallel versions of gzip and bzip2 that can take advantage of multi-processor machines, but the original utilities run single-threaded. Another five years later, in 2001, Igor Pavlov added the Lempel-Ziv-Markov chain algorithm (LZMA), an enhancement to LZ77, to his 7-Zip compression tool. This was followed a few years later by LZMA2, a container format that allowed for LZMA compression to be split between multiple threads. Broad LZMA2 support came to the UNIX world in 2009 with the xz utility 9 . It offers roughly similar compression ratios to bzip2 , though it can be better or worse depending on the data to be compressed. While compression generally takes even longer than bzip2 , decompression is significantly faster (though still not as fast as gzip ). The Linux kernel relatively quickly supported booting from xz-compressed images 10 because it was a good match for that use case—compression, the time-consuming activity, only has to be done once while the more frequent decompression during boot happens relatively fast. The last method I will cover is Zstandard 11 , often written as zstd . This came about in 2015, and is another variation on LZ77 that uses finite-state entropy (which means nothing to me, but you might understand it). It performs about as well as DEFLATE in terms of compression ratios, but is much faster both when compressing and decompressing data. I should say that these statements are true with the typical default settings—depending on the compression level selected, it can compress more slowly, but compress the data smaller. However, decompression is always speedier than DEFLATE. This makes it attractive for some uses, and it is heavily promoted by Meta/Facebook, where Yann Collet developed it. For example, shipping large amounts of actively-used data between machines in a data center can go more quickly when the size is reduced; however, if the compression and decompression steps take too long that benefit is lost. A speedy method can be valuable even if it doesn't result in the greatest reduction in size. This use case stands in contrast to, say, a compressed backup file which might only be accessed in a disaster recovery scenario or never accessed at all, making size more important than speed. Both the xz and zstd utilities have some built-in support for multi-threading, but the default is to run in a single thread. While xz can use multiple threads for decompression (but only if the file was compressed in multi-thread mode), the reference zstd utility can only use more than one thread for compression, not decompression. There are many other methods of lossless compression that have been developed over the decades, but I believe these are the ones you are most likely to encounter in the world of UNIX-like systems. This is a personal opinion, and others might choose a different set. As mentioned, it can be tough for a new method to gain popularity and 35-year-old DEFLATE is still probably the most commonly used despite not being the fastest or offering the greatest reduction in size. Even systems like FreeBSD, NetBSD, and OpenBSD that do not like to include GNU tools supported it by developing their own version of gzip based on the permissively-licensed zlib library. Technically, the LZW method used by the compress utility is still standardized by POSIX, so one might expect it to have the widest support. However, aggressive patent enforcement discouraged adoption, especially by Free and Open Source Software systems—even though the patent has expired, it is still out of favor compared to DEFLATE. For this reason, I feel justified in calling it a curio. References: Eighth Edition UNIX pack.c https://www.tuhs.org/cgi-bin/utree.pl?file=V8/usr/src/cmd/pack/pack.c 2.9BSD compact.c https://www.tuhs.org/cgi-bin/utree.pl?file=2.9BSD/usr/src/ucb/compact/compact.c Compress specification https://pubs.opengroup.org/onlinepubs/009695399/utilities/compress.html Uncompress specification https://pubs.opengroup.org/onlinepubs/009695399/utilities/uncompress.html GNU Gzip manual https://www.gnu.org/software/gzip/manual/gzip.html RFC 1951: DEFLATE Compressed Data Format Specification version 1.3 https://tools.ietf.org/html/rfc1951 History of Lossless Data Compression Algorithms: The Rise of Deflate https://ethw.org/History_of_Lossless_Data_Compression_Algorithms#The_Rise_of_Deflate bzip2 https://en.wikipedia.org/wiki/Bzip2 XZ Utils https://en.wikipedia.org/wiki/XZ_Utils 2.6.38 merge window part 2 https://lwn.net/Articles/423541/ zstd https://en.wikipedia.org/wiki/Zstd Appendix The table below demonstrates the results of compressing different types of data using tools described in this episode. While not totally rigorous, I did run each compression and decompression multiple times to ensure I was getting consistent results. The laptop I used has an Intel Core i5-6200U CPU running at 2.30GHz, and the system had at least 5 GB of free memory for each run. While this processor has two cores and can run four simultaneous threads, all utilities were run single-threaded. The term "best" means the highest level of compression available (the exact level used is shown). For bzip2 , the default is the best. For zstd , "best" is -19, which is the highest "normal" level, but "ultra" levels that are even higher also exist. Ratios are the percentage of the original size that the file was reduced to (other sources might instead express the compression ratio as the reduction in size achieved). In all results, smaller numbers are better. ┌────────────────────────────┬─────────────┬─────────────┬─────────────┬─────────────┬─────────────┬─────────────┬─────────────┐ │ │ gzip │ gzip │ bzip2 │ xz │ xz │ zstd │ zstd │ │ │(default -6) │ (best -9) │ (-9) │(default -6) │ (best -9) │(default -3) │ (best -19) │ ├──────────────┬─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┤ │ │Size (ratio) │ 22,036,508 │ 21,891,623 │ 15,795,698 │ 13,487,768 │ 12,938,464 │ 20,454,657 │ 13,709,078 │ │ │ │ (24%) │ (24%) │ (17%) │ (15%) │ (14%) │ (23%) │ (15%) │ │English Text ├─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┤ │(90,532,092 │Compression │ 4.8s │ 7.6s │ 8.5s │ 49.8s │ 58.8s │ 0.6s │ 65.2s │ │bytes │time │ │ │ │ │ │ │ │ │uncompressed) ├─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┤ │ │Decompression│ 0.7s │ 0.8s │ 3.7s │ 1.2s │ 1.2s │ 0.4s │ 0.4s │ │ │time │ │ │ │ │ │ │ │ ├──────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┤ │ │Size (ratio) │ 125,291,122 │ 124,189,544 │ 98,016,512 │ 84,882,492 │ 81,954,344 │ 120,604,855 │ 87,298,645 │ │ │ │ (21%) │ (21%) │ (17%) │ (14%) │ (14%) │ (20%) │ (15%) │ │Source Code ├─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┤ │(590,008,320 │Compression │ 22.0s │ 39.3s │ 54.8s │ 241s │ 298s │ 3.7s │ 348s │ │bytes │time │ │ │ │ │ │ │ │ │uncompressed) ├─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┤ │ │Decompression│ 5.1s │ 5.1s │ 20.3s │ 8.1s │ 7.8s │ 2.4s │ 2.4s │ │ │time │ │ │ │ │ │ │ │ ├──────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┤ │ │Size (ratio) │ 32,830,905 │ 32,371,241 │ 26,856,579 │ 20,717,288 │ 20,352,880 │ 28,538,810 │ 23,154,582 │ │ │ │ (19%) │ (19%) │ (16%) │ (12%) │ (12%) │ (17%) │ (13%) │ │Binary Program├─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┤ │(171,972,264 │Compression │ 6.4s │ 22.4s │ 18.6s │ 62.2s │ 67.8s │ 0.8s │ 111s │ │bytes │time │ │ │ │ │ │ │ │ │uncompressed) ├─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┤ │ │Decompression│ 1.5s │ 1.5s │ 5.6s │ 2.3s │ 2.3s │ 0.7s │ 0.7s │ │ │time │ │ │ │ │ │ │ │ ├──────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┤ │ │Size (ratio) │ 146,397,772 │ 146,397,757 │ 144,485,451 │ 131,950,232 │ 130,926,780 │ 147,154,979 │ 145,703,840 │ │ │ │ (89%) │ (89%) │ (88%) │ (80%) │ (80%) │ (90%) │ (89%) │ │WAVE Audio ├─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┤ │(164,396,302 │Compression │ 9.2s │ 9.2s │ 25.1s │ 70.4s │ 97.7s │ 0.7s │ 58.3s │ │bytes │time │ │ │ │ │ │ │ │ │uncompressed) ├─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┤ │ │Decompression│ 2.0s │ 2.0s │ 13.5s │ 12.2s │ 12.1s │ 0.6s │ 0.8s │ │ │time │ │ │ │ │ │ │ │ ├──────────────┴─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┼─────────────┤ │ │ gzip │ gzip │ bzip2 │ xz │ xz │ zstd │ zstd │ │ │(default -6) │ (best -9) │ (-9) │(default -6) │ (best -9) │(default -3) │ (best -19) │ └────────────────────────────┴─────────────┴─────────────┴─────────────┴─────────────┴─────────────┴─────────────┴─────────────┘ English text consists of Titles 1 through 10 of the 2020 U.S. Code of Federal Regulations . Source code consists of a tar file containing the Linux kernel source, version 4.0. Binary program consists of an ELF-format executable of the pandoc application, version 2.17.1.1 found on Debian 12. Audio consists of a 24-bit Signed Integer PCM WAVE file with 2 channels at 44.1kHz, about 10:21 in length. For comparison, the audio-specific flac lossless compression utility reduced this file to 97,962,711 bytes (60%) in 2.6 seconds at the default (-5) level and to 97,714,876 bytes (59%) in 5.4 seconds at the highest (-8) level. Provide feedback on this episode.

**Join the AI Agent Bootcamp here: https://www.inventium.ai/learnvirtually-agents** You sit down to research something for work, open a few tabs, type a vague query into AI, and get back something that feels… fine. Technically an answer. Not quite useful. Meanwhile, that report you've been working on probably needs another set of eyes, but getting real feedback takes time you don't have, so you send it anyway and hope for the best. There's a better way. In this How I AI episode, Neo and I walk through three agents we think every knowledge worker genuinely needs, including two we're giving away for free. How I AI, a special series within How I Work where Neo and I explore how high performers are using AI at work to boost productivity, make better decisions and reduce overwhelm. What you'll learn in this episode: Why a basic AI research query often isn't enough, and what to do instead What a critical thinking agent actually checks for, and when it earns its place What a cross-functional advisory board agent is, and who it's built for How long it really takes to build agents that work reliably Practical AI tools for productivity and focus Real-world AI workflows used by high performers How to use AI at work without burning out Smart shortcuts for managing time and mental load Connect with Neo Aplin on LinkedIn (https://www.linkedin.com/in/neoaplin/) and via inventium.ai (https://inventium.ai), where he leads Inventium's AI training and upskilling work with organisations and teams. Here are links to the free agents mentioned in this episode: Research agent: https://amantha-imber.kit.com/41cec7c48c Critical Thinking agent: https://amantha-imber.kit.com/51dd2a9719 Join the AI Agent Bootcamp to access the Advisory Board agent My latest book The Energy Game is out on July 7, 2026. You can order a copy here: https://amzn.to/48ID29M Connect with me on the socials: Linkedin (https://www.linkedin.com/in/amanthaimber) Instagram (https://www.instagram.com/amanthai) If you are looking for more tips to improve the way you work and live, I write a weekly newsletter where I share practical and simple to apply tips to improve your life. You can sign up for that at https://amantha.substack.com/ Visit https://www.amantha.com/podcast for full show notes from all episodes. Get in touch at amantha@inventium.com.au Credits: Host: Amantha Imber Sound Engineer: Martin Imber See omnystudio.com/listener for privacy information.

This is not the 1939 classic, but the brand new 2026 version. If you didn't read the book don't worry neither did the people who made this movie! Technically quotation marks are in the title, but maybe it was never supposed to be faithful. It gets weird, campy, it's not your mom's Wuthering Heights...or maybe it is. Listen when you can.

Take the 2026 AI Engineering Survey and get >$2k in credits and AIE WF tickets!On the product side, everyone is getting Computer - Perplexity, Manus, Cursor, and so on. Meanwhile on the research side, agentic evals like TerminalBench and GDPVal are also assuming computer (Harbor). On both ends, the consolidating LLM OS stack has become a standard toolkit, and Daytona is one of a small set of AI Infra companies that are booming because of it.“The end of localhost” has been Ivan Burazin's obsession for more than a decade.Something that is all too familiar…Long before agents became the default way people talked about software development, Ivan was already chasing the idea that development should not depend on a fragile local machine. CodeAnywhere, one of the first browser-based IDEs, was an early attempt at that future: move the development environment into the cloud, make setup reproducible, and free developers from the endless “works on my machine” tax.The thesis was directionally right, but the market wasn't ready yet.However, agents changed that. They do not care about a laptop, desk setup, or favorite editor. They need a computer they can access through an API: something stateful enough to keep working, fast enough to spin up instantly, flexible enough to resize, isolated enough to be safe, and composable enough to run the messy real-world workflows that real software engineering actually requires.Daytona isn't just selling “sandboxes” in the narrow code-execution sense. It is the latest version of Ivan's original localhost thesis.In this episode, Daytona's CEO joins swyx to explain why AI agents need more than code execution boxes: they need composable computers, stateful sandboxes, instant startup, dynamic resources, and infrastructure that can survive workloads going from zero to 100,000 CPUs.We go deep on the new agent compute market: Daytona's hard pivot from human dev environments to AI sandboxes, the New Year's Eve MVP that customers begged for, why Daytona runs on bare metal with its own scheduler, how one customer runs almost 850,000 sandboxes a day, and why RL/eval workloads went from 0% to roughly 50% of usage in just months. Ivan also explains why agents need Windows and macOS machines, why CLI may matter more than MCP, why Kubernetes is painful for this workload, and why the future AI cloud may look more like Stripe than AWS.We discuss:* How Daytona grew out of CodeAnywhere, Shift, and the “end of localhost” thesis* Why Daytona pivoted from human dev environments to AI sandboxes* Why agents need composable computers instead of disposable code execution boxes* The New Year's Eve MVP that customers chased API keys for* Why Daytona chose bare metal, stateful snapshots, and its own scheduler* How Daytona spins up one sandbox in ~60ms and 50,000 sandboxes in ~75 seconds* Why Daytona's biggest customer runs ~850,000 sandboxes a day* How RL/eval workloads create zero-to-100,000 CPU spikes* Why RL workloads went from 0% to roughly 50% of Daytona usage* Why customers compare Daytona against EKS/GKS and say they're “never going back”* Why every AI agent may need a computer, including Windows and macOS environments* The Apple licensing constraints that make macOS sandboxes hard* Why CLI gives agents more power than MCP* How open source helps agents integrate Daytona* Why agent-generated PRs may break today's CI/CD assumptions* Why AI SaaS companies reselling tokens may face a cold shower* Why the AI cloud may look more like Stripe than AWSIvan Burazin* LinkedIn: https://www.linkedin.com/in/ivanburazin* X: https://x.com/ivanburazinDaytona* Website: https://www.daytona.io* X: https://x.com/daytonaioTimestamps* 00:00:00 Hook* 00:01:12 Introduction* 00:03:15 CodeAnywhere, Shift, and the end of localhost* 00:05:58 What Daytona is: composable computers for AI agents* 00:08:07 The pivot from dev environments to AI sandboxes* 00:10:17 The New Year's Eve MVP and customers begging for API keys* 00:12:56 Bare metal, stateful sandboxes, and Daytona's scheduler* 00:17:28 60ms startup, 50,000 sandboxes, and 850K daily runs* 00:21:53 Spiky RL/eval workloads and the new agent infra problem* 00:28:12 RL workloads, Kubernetes pain, and dynamic resizing* 00:33:31 Why every AI agent needs a computer* 00:38:48 macOS sandboxes and Apple's licensing problem* 00:44:28 Why CLI may matter more than MCP* 00:48:11 Open source, GitHub stars, and agent integration* 00:53:11 Git, CI/CD, and agent collaboration bottlenecks* 00:58:15 Founder life and building a 25-person infra company* 01:02:44 AI SaaS, token resale, and API-first business models* 01:06:10 GPU sandboxes, data centers, and compute growth* 01:09:48 Why the AI cloud may look more like Stripe than AWS* 01:11:26 Closing thoughtsTranscriptIntroduction: Daytona, CodeAnywhere, and the End of LocalhostSwyx [00:00:02]: Okay, we're in the studio with Ivan Burazin, CEO of Daytona. Welcome.Ivan [00:00:07]: Thanks for having me, man.Swyx [00:00:08]: Ivan, you and I go back.Ivan [00:00:10]: Way back.Swyx [00:00:11]: How I don't even know how, you found, did you reach out or, for Shift.Ivan [00:00:17]: I reached out to you. The reason was you - we were just - we were thinking about I was one of the co-founders of CodeAnywhere, the first browser-based IDE, and so we were thinking a long time of, localhost should die. And you had this article.Swyx [00:00:29]: End of localhost.Ivan [00:00:30]: Then I reached out to you because of that, and then we talked, and I was actually at a different job and learning about I was the head of, developer experience, and you were quite well-versed in that, and I actually reached out to you, among other people, how do we go about that? What are the key things and whatnot at this point in time? And you were nice enough to take the call, and I remember I was late on your call with you.Swyx [00:00:51]: I don't remember.Ivan [00:00:52]: I remember because I was with my then I'm thinking of a girlfriend or wife at that point in time, I'm not sure. It's the same person, so that's great, and I was late ‘cause we were, in, Italy on, vacation, and then I was late for something. I felt so bad, and you were so nice to be, good about.Swyx [00:01:10]: The reason I'm nice is because I'm also late to other people, so it's like, who's, who's without sin here, yeah, so I have to, for those who don't know, InfoBip Shift, there's this whole thing that, you did in the past, and, and that was basically one of the inspirations for me starting AI Engineer, which is like, I have to thank you for giving me that push to be like, “Oh, you can, you can build and sell conferences?”Ivan [00:01:34]: I remember you asked you asked me at the beginning to give me advisory shares, and I was so focused on what we were doing, I said no, and I should've took the advisory shares. So I'm sorry, dude. But anyway.Swyx [00:01:43]: We're not, we're not venture backed.Ivan [00:01:44]: No, it doesn't matter.Swyx [00:01:45]: It's Yeah, anyway, so I think what's impressive about you is that CodeAnywhere is the thing that you've been trying to build, and, you kind of put it on hold and then came back after InfoBip. Just give us the story, do you - the story and the origin story, going into Daytona.From CodeAnywhere and Shift to DaytonaIvan [00:02:05]: Sure. Like, really way back, me and my co-founder have been together. I say this, I've said this multiple times, it's like we were married and divorced and married. Some people actually ask me is my co-founder my partner. they thought it literally. It's not literally, but we have done multiple companies together, and to your point, we had this shift where we went from the CodeAnywhere to the conference called Shift, and then back to, Daytona. We originally started stacking servers, doing like virtualization in the early 2000s and, routers and doing basically all these things, at a foundational level, and that was a services company which we sold to focus on what my co-founder actually invented, which was the very first browser-based IDE, right, I say the first. Before us was actually Heroku. They did it for a very short time until they became Heroku. But outside of them, we were the only one, and it was called.Swyx [00:02:55]: There was Cloud9.Ivan [00:02:57]: Cloud9 came out slightly after us. There was Replit, which came out when we stopped doing it, Replit came out, and they have been successful since then, which is great. There was Nitrous.io. There was quite a few that existed at the time, but it was like too early. But the interesting part is that we, at that point in time, because there was no VS Code, there was no Kubernetes, and Docker had just started when we Or I'm not sure if it was even public at that point in time. And so we had to build everything to the whole stack ourselves and that was the key learning that we brought into and that we've been using in Daytona today. So it was super early. There's about 3 million people used CodeAnywhere. It was slightly, it was angel-backed more than venture-backed. We ended up paying everyone back because it didn't have that sort of scale. But, three years ago, we started something similar with Daytona, which is not what we are today, but it was automating dev environments for human engineers, the basically the underlying stack of CodeAnywhere. And then we did a hard pivot last January to sandboxes. And so here we are.Swyx [00:04:01]: Historic pivot, yeah, and, it's one of those things where, I had independently invested in CodeAnywhere, but also in E2B, and then both of you pivoted into the same thing, and I'm like, “F**k.”Ivan [00:04:12]: You invested, you invested in Daytona. You invested in Daytona. But you were the first If we had not got your check, we wouldn't have done it.Swyx [00:04:18]: No way.Ivan [00:04:19]: No, it was like, “We have to get him on board first,” and you were that kicker that we, that got us off the ground.Swyx [00:04:23]: No, because you were putting me on your pitch deck, man. I was like, “Man, this is like a good trip if I don't invest.”Ivan [00:04:29]: That's because it was your quote. It's like we.Swyx [00:04:30]: Yeah. It's the end of localhost.Ivan [00:04:31]: Did a bunch of research about end of localhost and who was interested in that,.Swyx [00:04:34]: No, that's like, I put, I wrote that blog post, and every single company in that field reached out to me, and then every VC who was receiving those pitches then also had to call me and, talk it, talk through it with me.Ivan [00:04:47]: It's finally happening though.Swyx [00:04:48]: It was really super interesting.Ivan [00:04:48]: It's finally happening.Swyx [00:04:49]: It's finally happening.Ivan [00:04:49]: Yeah, it's finally.Swyx [00:04:49]: It's finally happening, with maybe sort of non-human users. Yeah, so what is Daytona today? Let's get like a quick description. I'm wearing the shirt.What Daytona Is Today: Composable Computers for AI AgentsIvan [00:04:58]: You're wearing the shirt. Yes,.Swyx [00:04:59]: It says, I think your branding is very good. Like, it's very consistent. It runs AI code. Like, it cannot be simpler.Ivan [00:05:05]: Exactly, but we're gonna probably have to change that.Swyx [00:05:07]: Oh, s**t.Ivan [00:05:07]: It's also a subset of what we do. Unfortunately, we really love this, Run AI Code is super simple. People interpret it different ways. I think we've given out 5,000, 6,000 of these shirts. People wear them with pride because it doesn't really market about us.Swyx [00:05:21]: Yeah, Daytona's on the back.Ivan [00:05:22]: It markets the back. It markets to the person itself, so I think we did a really good job on that one. But it is also a subset of what we do, because people, when they think about Run AI Code, they just think about these small, let's call it isolates, code execution boxes that, you send some code, you get an output. Whereas what Daytona is today is essentially composable computers for AI agents. It is, the market calls them sandboxes which can be misleading.Swyx [00:05:44]: All these things. All these things on.Ivan [00:05:45]: Yeah, exactly, ‘cause it can be misleading ‘cause people usually think about sandboxes as a demo or a test environment versus a production-grade environment. But what Daytona does, if you think of the laptop that you have in front of you or the computer that's over there, or, my wife is an architect, so she has like a Windows with a 3D graphics card inside to do 3D rendering. Like, as humans, we have different computers or different compositions of computers. And our belief is strongly that agents today and going forward will need all these different compositions of computers to do different types of tasks. And so we offer that basically through an API.Swyx [00:06:19]: Yeah, to give people - I'm trying to sort of front-load all the aha moments or the wow moments so that people can, stay engaged and click like and subscribe. the market is exploding, right? Like, you have been reporting 74% month-on-month growth, and it also, it's just been growing for a while. Like, it's been going like this. And every single - It's not just you guys. It's every single.Ivan [00:06:41]: Everyone, yeah.Swyx [00:06:42]: Sort of, compute provider. I don't know if you agree with me saying compute provider or not.Ivan [00:06:48]: It's fine.Swyx [00:06:48]: Yeah. So like organically PLG-driven growth, but also enterprise is doing super well, I think I wanna rewind to January of last year when you did the pivot. Like, so you obviously called this market early, and you were positioned for it, and you are now one of the market leaders. But what was the insight that made you do the pivot?The Pivot: From Human Dev Environments to Agent SandboxesIvan [00:07:06]: The insight that made us do this pivot is the quarter before that, so end of 2024, when we had - Basically, we did a demo with - I don't I think we discussed this as well, Devin was not public. You actually gave me access to Devin at that time. So Devin.Swyx [00:07:25]: I did?Ivan [00:07:26]: Yeah, you gave me access.Swyx [00:07:26]: I don't think I was supposed.Ivan [00:07:27]: Yeah, exactly.Swyx [00:07:28]: Yeah, I.Ivan [00:07:28]: So it doesn't matter. You.Swyx [00:07:29]: Yeah. I gave like three friends access.Ivan [00:07:31]: Yeah, or it was a call and you showed it to me. It doesn't matter. but OpenDevin was available, which is now called OpenHands. And so we're like, “Oh, this seems to be a thing. This is not public. Let's take our for human automation of dev environments and take, OpenDevin and launch that as a SaaS.” And we did that. Not very many people signed up and used it, but a lot of people reached out that were building agents, and they were like, “Hey, my agent needs a compute sandbox runtime,” whatever you wanna call it. I forgot what it was called at that point. And then we were like, “Oh, amazing. This is a new market. Here is our infrastructure. Here's our product, and go.” And what we found really fast, soon, was that people did not like what we had built. It didn't work. And I remember talking to people at the beginning when we're doing this, the sandbox we're building for agents. People were like, “Oh, why is it different? It's the same thing. We have like EC2, we have VMs, we have all these things.” But we saw that everyone we gave it to, it was like 20, 30 people, they all said, “No.” Like, “This is not what we need. This sort of breaks.” And basically, me and my co-founder not knowing a lot about - ‘cause we're infra people. We're not AI people. So I basically took it upon myself to like watch every single podcast that exists, including all of, all of these and all that, and sort of get up to date, read all the blogs, like get, understand what's going on.Swyx [00:08:45]: Do you wanna shout out who else was useful, just in case people are also looking.Ivan [00:08:49]: Generally we -, I looked at There's a few of podcast, different segments and different types. So there's you guys, No Priors, Bill Gurley's was great while.Swyx [00:09:04]: VG2, yeah.Ivan [00:09:05]: Yeah, while it was around. So there's a few. 20VC is interesting from a different dynamic, and some are different dynamic. But there was, also Red Points.Swyx [00:09:14]: We're not really about the compute market.Ivan [00:09:15]: It was also already - Sorry?Swyx [00:09:16]: You're, you want - You're looking at the agent infra market.Ivan [00:09:19]: I was looking at the agent market and the AI market in general and sort of understanding who are the players, what the perception, and how that goes. And like obviously you complement this with like going to conferences, going to events, going to meetups, reading white papers, like doing all the things that you have to do to understand what's happening. And so when we figured, when we sort of had an idea of what we had to build, literally over the New Year's Eve, literally on New Year's Eve, I half vibe coded the first MVP, first minimal viable product of what Daytona is today. And I went to sleep at like 3:00 AM or something like that. I was doing - I just put my like baby daughter and wife to sleep and, Happy New Year's, and go back to just, doing this. And I sent it to my co-founder, my CTO, and he saw it in the morning. He's like, “This is absolute garbage.” “Do not show this to anybody at all, but the idea is good.” And so he took two weeks, and he rebuilt it.Swyx [00:10:09]: Did it like look like that? Listen, I - It was rough idea.Ivan [00:10:12]: Oh, not even, not even close. Like it was it was way worse. But it was like a very - It was a simplistic view of what it should be. Like, it worked, but it was not ideal. And so he went, we went down the whole, which is his job as CTO, to go, and he came back with this version. We then called all the people that had said like, “This is garbage,” a quarter ago. And we set up these calls, and we gave it to - We just demoed it to everyone. And all the calls went long, every single one. They were 15-minute calls, and they all went to like 25, 30 minutes or whatnot. And everyone said, “We need, we want access.” There was no login, just an API key, ‘cause it was just a beta or an alpha. And they said, “Oh, we want access.” And we're like, “Sure, yeah. Okay, thank you very much.” But after like the next day, if we'd not send it, every single one, like every call that we did, everyone came back, “Where is my API key?” Like everyone wanted it. We're like, “S**t.” Like this is it. Like I've never felt So one, the understanding to your point was like most people thought it was the same infrastructure for humans and agents. We understood a quarter ago it's not. We just didn't know what was the right primitive. And then when we came, and we can talk about what that is, and we gave it to these people, I've never seen, I've never experienced - I've done multiple companies in my life. I've never experienced this, that people literally call you if you do not give them access. Like they want access right now. And so it's like, okay, they don't want this. the thing that they want doesn't seem to exist, or they have not found it, and they really want what we want. And then when we understood that we're onto something, and then when you think about the size of the market, like the market for human engineers and enterprise is a very large market, so think GitLab or whatnot. But the market for every single agent that will exist ever in the future is just like, what is that market? How big is that? And we're like, “We are all in on this.” And so that is where we made sort of the cut between the old product and the new one.Bare Metal, Stateful Sandboxes, and the Lambda + EC2 ModelSwyx [00:12:02]: Yeah. But it wasn't composable at the time?Ivan [00:12:05]: It was very - It was basically just a Linux box that you could change, that you could define number of CPUs, disk, and RAM. Like that is what you could do, but you couldn't have multiple operating systems, you couldn't resize it on the fly, you couldn't add a GPU, you couldn't do like all the things. It was just the, just the first sort of variation of that, yeah.Swyx [00:12:22]: Was it bare metal from the start?Ivan [00:12:24]: It was bare metal from the start. And so the interesting thing that we thought about right away, so our.Swyx [00:12:29]: Which, give people the background, what is the normal path?Ivan [00:12:32]: Yeah, so, basically most providers run this on top of VMs. And also.Swyx [00:12:37]: Firecracker.Ivan [00:12:38]: Yeah, they run on Firecracker and VM. And so we also fire - We can get - We have multiple isolation layers and we can do that. But the common way to do it is that they, one, that the state of the machine, or the hard disk is not part of the sandbox itself. And the other thing is they're not meant to last forever. So most of them are preemptible, like they can There's a time that they can live. And so our thought was when we were going into this is, agents will be like humans in the sense of you don't want your laptop to be shut down until you're done with work. Like, and you want to close the lid and open the lid, it's the same state. So you - Agents would want that, like the pause and come back. They want those two things. But also agents really want speed, right? Can they get it? So when we thought about it's like we need something insanely fast, how to make it fast, how to make it long-running, and stateful. And so those two things, it's like combining a Lambda and an EC2, right? Those two things together. And so we didn't have an idea how others did it, ‘cause we didn't know too that there was a market around this. It was more like, okay, this is what we need, what they need. And we looked at Kubernetes, it wasn't wasn't good enough for that. We looked at Nomad, it didn't enable that. And so our history in rewriting our own scheduler at CodeAnywhere is basically what my CTO came up with. Like, he's like, “Oh, the learnings from there,” and he brought it. And the funny thing is, our third co-founder, when he saw it, he's like, “Dude, what is this? This is like 2008.” Like, we went back in time, and he's like, “Exactly.” And so the reason why Daytona is like super fast, and you see this on benchmarks, is we essentially, we run on bare metal. We have our own scheduler, we use the underlying, disk, CPU, and RAM of the underlying machine, which means your IOPS are insanely fast because there's no, there's no network between an EBS or something like that. But also the snapshot, the point in time, the templates, are also preloaded on the bare metal machines. So when you fire off a sandbox from a template or a snapshot, you're essentially directed to the bare metal machine where that snapshot is based on that NVMe drive, and then it literally just turns on that machine, and it's local. There's no network latency, anything on there. And so that is sort of the specificities that we, when we're thinking from first principles, what a computer would look like for an agent, that is what we came up with, and that's what we created.Benchmarks, 60ms Startup, and 50,000 SandboxesSwyx [00:15:02]: Yeah. I should maybe, I don't know if you endorse this, but there's someone that does compute SDK, you guys do very well on there, with like the TTI, right? I. is this a, is this a is this a relevant benchmark for you guys? I don't know.Ivan [00:15:16]: I don't know, and it changes every day. So today RKL is.Swyx [00:15:18]: I don't know what RKL is. Never heard of it.Ivan [00:15:20]: Yeah. RK, yeah, so it is there.Swyx [00:15:22]: You are, at least a third of the next tier of performance, and then, there's a lot of other better-known names that are very slow to start.Ivan [00:15:31]: Yeah. We've been the number one by far for a long time, and now there's different, there's different definitions also of sandboxes, different isolation patterns, different other things. So RKL runs it literally on the S3, the data, so it's very different, and they spin up a sandbox, spin up a container for that, so it's a different type of thing. So the definition of a sandbox is something that we can all, we all need to get along with. But yeah, we're insanely fast on getting these things, up and running. And so you can see even there that it's a zero point 0.10 to 0.11, so.Swyx [00:16:03]: Close enough. Yeah. what else do you need, right?Ivan [00:16:05]: Yeah. So the benchmarks itself, so, in this, in I don't think the benchmarks equate to market ownership or revenue or anything like that. and I've seen this with multiple benchmarks, not just in sandboxes, but in general benchmarks around.Swyx [00:16:20]: It's table stakes. It's just like.Ivan [00:16:21]: Exactly. But it doesn't hurt.Swyx [00:16:22]: Just roughly check.Ivan [00:16:22]: Like you definitely have to be up there and you have to be competing so that people know that, oh, this is definitely one of the top. Because this is only one dimension of what customers look for. There's other things like how many can you spin up consecutively? There's a feature set, there's support, there's like all different things that people look at, but you definitely have to be there, on the benchmarks.Swyx [00:16:40]: How many people do people spin up consecutively?Ivan [00:16:43]: So we have.Swyx [00:16:43]: Or concurrently, is the Concurrency, right?Ivan [00:16:45]: There's three metrics that we look at. And so one is like time to spin up one, and so our time to spin up one is 60 milliseconds with network latency. So request, spin up, reply, 60, the whole thing, 60 milliseconds. That is one. But if you wanna spin up 50,000 at once, we are now at about 75 seconds. So it takes about 75 seconds to spin up concurrently 50,000. Some others, there's public data around this, like take 2,000 seconds, which is 30 minutes. Like there's different variations of that. And then there is the so it is speed of one, speed of like multiple, and then how many can you consistently have up and running. And so we basically have right now no limit to how much we can add because we basically own our own metal. But the biggest customer of ours does like about 850,000 every single day is sort of where they're, where they're just shy of a million every single day that they're running, we do have a request for half a million concurrent, which is literally half a million CPUs somewhere running. So that's an interesting.Swyx [00:17:44]: They pay by like vCPU seconds.Ivan [00:17:47]: By seconds, yeah.Swyx [00:17:47]: Or whatever. Yeah. Okay, and so and then, and the other thing is, the sleeping and the resuming, ‘cause it's all the stateful resumption of all these things, how, what kind of workload are people putting through this, right? Like how is it Do we measure by gigabytes in memory, gigabytes in storage? I don't In like network attached storage. I, what are the costly ones of, out of all these features?Workload Economics: CPU, RAM, Network, and StorageIvan [00:18:15]: The most expensive thing are CPU.Swyx [00:18:18]: Okay. Yeah, of course.Ivan [00:18:18]: The second one, yeah Then it's RAM, then it's disk. We actually don't charge.Swyx [00:18:22]: Which is snapshotting, right?Ivan [00:18:23]: No, it's actually the, snapshotting's part of it, but basically the size of your hard disk, of your machine. So do you have 10 gigabytes, do you have 20, do you have 50, do you have whatever? And then the transference of that. Right now, currently we don't charge for, network at all at Polychron.Swyx [00:18:37]: Oh, you gotta, yeah, you gotta fix.Ivan [00:18:38]: Yeah. It is very much a it's a larger and larger part of our bill, so we're working around, that part there. Obviously, that is the least, expensive, so the hard disk is the least expensive, so it's basically CPU, RAM, for us network, ‘cause we don't charge the customer, and then hard disk, is how it's split up. But there's also different types of workloads, so we basically split it up into two types of workloads in Daytona. One is what we call background agents or long-running agents. and the other is, basically RLs and evals, which I put sort of together. And so they have very different patterns of usage, and if you look at the usage of a background And I'll just name names of companies, not specifically.Background Agents vs. RL/Evals: Two Usage ShapesSwyx [00:19:21]: Yeah, open, all hands.Ivan [00:19:23]: Yeah. So like a background agent's a Cognition, a Lovable, a like all these things are Harvey. These are all long-running, background agents. And so if you look at their usage patterns, their usage patterns are similar to human, which is like follow the sun. Basically, the usage patterns of that is like noon is probably the highest, and the midnight is the lowest, and then weekends are lower. weekday is higher.Swyx [00:19:42]: Yeah, that's a fun question. How global is it? Is it very US-centric or?Ivan [00:19:46]: The US is a large part, but we have currently, we have Asia, Europe, and the US regions.Swyx [00:19:52]: So it's quite global.Ivan [00:19:53]: Yeah, it's quite global. We have it all over. It's interesting that our I talked to you a bit about this. Our number one city by user.Swyx [00:20:01]: Hmm.Ivan [00:20:02]: Is Singapore.Swyx [00:20:04]: Oh, wow. Amazing.Ivan [00:20:05]: Which is an interesting one, right? Not by revenue, just by just like by individual head count.Swyx [00:20:09]: Really?Ivan [00:20:09]: Just like an interesting thing.Swyx [00:20:10]: Singapore is, Singapore is weirdly high in the adoption charts of AI for the population. It's like an, seven, eight million population. And it's like keeps showing up.Ivan [00:20:20]: No, it's quite interesting. We were quite shocked, and I was like, “Oh, this is interesting.” And also one that's up there.Swyx [00:20:24]: There's a reason I'm doing AI using Singapore. it's because I'm from there.Ivan [00:20:27]: We're there. We're gonna, we're gonna be there as well. and it's interesting that Japan is in the top or like Tokyo's in the top, which is in all the tech cycles it has never been. It has never been, so it's quite interesting that they're.Swyx [00:20:39]: I think the Japanese just love AI. Yeah. It's that, and then it's Brazil. That's it.Ivan [00:20:44]: Brazil has always been in.Swyx [00:20:45]: I think.Ivan [00:20:46]: Even when I look, if you look at like GitHub's data and ask historically with CodeAnywhere, it was always like US, Western Europe, and then you'd have like India, Brazil, China, like that would be there. But like Singapore was not in, specifically Japan was never in sort of that top, that top.Swyx [00:21:01]: Yeah. Weird pockets.Ivan [00:21:01]: Weird. Yeah, so it's very global.Swyx [00:21:02]: Okay, so actually that, but that's helps you to distribute your load through, all time?Ivan [00:21:08]: The interesting thing is like we have those kind of loads, but if you look at the researcher loads, they're quite different. So what they are is like if you give them concurrency of 10,000 or 50,000 or 100,000 CPUs at ARMb, when they fire off a run, it's just 100%. And then it just runs, and then it stops. So it's very, the usage pattern is squares basically, right? And it's also not follow the sun, because people will fire it off at midnight before they go to sleep but then wake up and so it's very unpredictable, so you don't know where that is. So the shapes of the usage are quite different than we have had before. And also what's interesting is when it's sort of a follow the sun, even if you have a high growth company, you can sort of predict your usage patterns and have enough capacity for that, because it's sort of, it grows in a, in a way you can project. When you have companies doing sort of like evals and RL, they're super spiky. So they're gonna come in, it's like, “We're gonna use nothing, then can we have 100,000?” Right? And then go back down. And then 100,000, go back down. So it's very different, right? And.Swyx [00:22:09]: Do you want to lock them into commits so.Ivan [00:22:11]: Yeah, we do.Swyx [00:22:12]: Yeah, okay.Ivan [00:22:12]: We so we have to lock them into some sort of commits to have that capacity, because we have to have, basically we have to have the capacity for peak. Right? And so right now, Daytona's mean utilization is 15%, 1-5.Swyx [00:22:25]: Oh my God.Ivan [00:22:26]: So it's very low.Swyx [00:22:27]: Because it's very spiky.Ivan [00:22:27]: It's very spiky, but we get up to 90%. so we have these things. And so what we're, what we're looking at right now as a company is similar to Cloudflare where you can like geo move things around, but that works really well for basically the background agent where it's follow the sun. But this, it's not. Like it's a very different shape. Obviously with scale you figure these things out, but that's an interesting new problem that we have, as a compute provider in the agent space. And when we were doing the conference recently, and so we talked to like Nikita from Neon and.Swyx [00:22:57]: I should bring it up.Ivan [00:22:58]: Parag from Parallel and whatnot, everyone has the same problem. Whereas the usage is super spiky, and this is something that has not happened before, that you have these types of like it was always, it the amplitudes were not this high, right? So it's quite interesting use case and problem solve.Compute Conference and Spiky Agent InfrastructureSwyx [00:23:12]: Yeah, I don't know if we're gonna bring this up again, but let's just talk about the conference, you had like 1,000 something people at the Warriors game, at the Sorry, where is it? What's.Ivan [00:23:22]: Chase Center.Swyx [00:23:23]: Chase Center.Ivan [00:23:23]: Chase Center.Swyx [00:23:24]: I went. It was, it was very impressive. Obviously, you can, how to throw a conference, what did you learn? you put, you pulled together all these impressive names.Ivan [00:23:33]: What I.Swyx [00:23:34]: What were you looking for?Ivan [00:23:35]: My thesis behind the Compute Conference was let's bring together people that are building infrastructure for AI agents. Because when I think of what we're building, it is the agent is the primary user, what are the ergonomics and usage patterns of agents, and so we can do that. And what I found, this was a theory, it wasn't proven, is that we all have these problems, as I touched onto. And I was, as I was talking on stage, it was like we all have the same underlying infra problems, which is this spiky workloads, unpredictable workloads that we've never had before, in human, compute or human infrastructure. And it's, again, it's the same when I was talking to Parag or when I was talking.Swyx [00:24:20]: Lynn. Nikita.Ivan [00:24:21]: Lynn, Nikita. Lynn especially, I was talking to her the other day as well. Like the It is a very interesting type of problem to solve because I can touch on Cloudflare because there's a lot of like talk about that recently as to how they solve that, which is they have a bunch of geos, and basically, as users work in different places, and depending on your tier, they can move you around the geos. And so that how, that's how they get the higher utilization. But you can sort of predict these, and it's If it's something in You'll rarely get a spike that is 10 orders of magnitude. Like you'll get a like let's say one of your customers has some like an exponential curve. What is that to I'm using Cloudflare as an example. 10%, 20%, whatever it is. I don't, I don't have this data, I'm just assessing. It's surely not 10x, right? It's surely not something there. And so how do you go out and solve this problem? And we're all solving this in different ways. So we have.Swyx [00:25:11]: She also has the same thing.Ivan [00:25:12]: Yeah, I know specifically that like Neon had that issue as well. Like how are we solving these spiky loads and things like that ‘cause we talked about it. And so the interesting thing for me to actually internalize was, yes, everyone that's building for agents first is going through this, and we're all solving similar problems, which is quite.Swyx [00:25:28]: Let me let me double-click on this. Okay. So for example, Neon, I happen to know that they're very sort of S3 oriented, right? so they're just like fully bet on S3. And you get to benefit from S3's distribution and infrastructure. So I would imagine that Neon doesn't have to care, whereas Lynn maybe has to care a bit more because obviously she's doing GPU inference. And, for listeners, we did an episode with her, one and a half years ago. And you have to care. But like, right?Ivan [00:25:54]: Parag cares for sure, and Nikita.Swyx [00:25:58]: And Parag is C of, Parallel.Ivan [00:25:59]: Parallel, yeah.Swyx [00:26:00]: Former CTO of Twitter.Ivan [00:26:01]: Twitter, yeah.Swyx [00:26:02]: They are the search.Ivan [00:26:03]: Yeah, they're search, yeah.Swyx [00:26:03]: I You and I know but the listeners don't know.Ivan [00:26:08]: Yeah, we can put it down in the screen, and so ‘cause we, when we were talking.Swyx [00:26:11]: I'll put it up on the, on the screen.Ivan [00:26:12]: Yeah, right.Swyx [00:26:12]: People can look it up if they need.Ivan [00:26:14]: Look it up. And, yes, but they still have CPU and RAM, allocation that you have to have up and running. And so CPU and RAM, you have to allocate that and have that ready. And so there's basically two ways to do it. One is you either over-provision and you can handle the bursts, or two, you basically have, I don't know if this is a term, just-in-time compute, which is like as your load becomes, as your usage comes in, you can fire off requests for VMs or bare metals at other cloud providers and then get them up and running.Swyx [00:26:43]: This is if you go above 100%, right?Ivan [00:26:45]: Yeah, this is.Swyx [00:26:46]: Like your overflow.Ivan [00:26:46]: If your overflow, like spillage or whatever you do.Swyx [00:26:48]: You probably lose money on it, but it doesn't matter, right?Ivan [00:26:50]: It, not Well, you might, you might not That is a more cost-effective way to do it but it's a slower way to do it. Because basically what you have to do is you have to like queue your requests, spin up these just-in-time compute, get it all ready, provision it, and then get your workload there. And so if the time isn't important that much, that's fine, and you can do that. But if your customer, and especially for, let's say, the RL training runs, the reason why a lot of people come to us is because GPUs are more expensive than CPUs, right? So you want your GPU running at, what, 100% the entire time. And so when you're running runs on CPUs, when the when the CPU cycle is like down and spinning up the next one, you want that to be instantaneous so that your GPU doesn't go down, right? And if you then have to like go out and provision machines, you're essentially telling the GPU that it has to wait, and that's incurring our cost. So there's things that you have to try to solve for there.RL Workloads, Declarative Images, and Kubernetes ReplacementSwyx [00:27:43]: Yeah, let's talk about the different workload, right? You said that, what was it? A few months ago, you had zero RL workload and now it's 50%.Ivan [00:27:52]: It will be this one, 50%, yeah.Swyx [00:27:54]: Let's talk about how different it is, right? Like I imagine, for example, a lot less dynamic code generation of like arbitrary code. Like here, it's probably all the same code. You're just doing parallel runs or something, I don't know.Ivan [00:28:05]: Yeah. So you'll have multiple Depends on the like for each run, you'll have a snapshot. And they, for the most part, they actually do use our declarative image builder, which is like, “Oh, we, the agent wants these dependencies, these env vars.”Swyx [00:28:17]: These ones, yeah.Ivan [00:28:18]: Yeah, the declarative image builder, it.Swyx [00:28:20]: Which is a very modal like thing that they.Ivan [00:28:22]: Yeah. And so we build it on the fly and then we propagate that snapshot, and you can spin up as many sandboxes as you want against that snapshot. And then if you have to do changes, the model can, or like it could be also be automated. It's like, “Oh, now for the next run, we need to install these things or remove these things or whatever to get, a task done,” and then it goes off and runs that. So yes, that is something that it seems that they prefer. The number one reason I found, or should I say, let's take a step back. What we are competing against in that environment is essentially managed Kubernetes. So EKS, GKE, whatever. That is what the vast majority run on. And anyone that has tried Daytona versus GKE, EKS is like, “I'm never going back.” That has always been. There's a few reasons. One is the ergonomics. So if you have, if you're using Kubernetes to spin that up, you have to essentially manage the interface interactions with that. Daytona, although as a compute provider, it's more akin to a Twilio and Stripe from a consumption perspective than it is an AWS. Like you have an API, an SDK, it's quite like easy and seamless to get these things up and running, that's one. The other is the speed to which we spin up, which we mentioned earlier, which is much faster, and the scale to which we can go to. We haven't got into features, but an interesting feature is that it's very hard to OOM, or out of memory, our sandboxes, because we can dynamically on the fly.Swyx [00:29:48]: Resize.Ivan [00:29:49]: Resize, which is like impossible on almost any other thing. There are some technologies that enable you to do that, but it's like a very hard thing. And so we actually saw this when, the Terminal Revenge team is, brought us actually. So thank you, Alex and the team, that brought us into this whole space.Swyx [00:30:05]: It's just very rare that, a framework would just say, “Guys, just use Daytona.”Ivan [00:30:11]: Yeah, I think it says it somewhere. Yeah.Swyx [00:30:13]: Yeah. I was like, “What is this?”Ivan [00:30:15]: There's all, there's multiple there, but they also mention a few other places. and so Daytona specifically-We have, the, just jumping on themes here We, I don't know where it says Data Center.Swyx [00:30:27]: I, there.Ivan [00:30:27]: Doesn't matter.Swyx [00:30:28]: There's a very strong recommendation, which is, very unusual. Which is, it's.Ivan [00:30:33]: We do not pay them for this, just.Swyx [00:30:34]: I know, yeah. They just like you.Ivan [00:30:35]: Yeah, they like us. yeah, and also a thing, so, Data Center has multiple isolation sets underneath. The customer doesn't have to know what they are. But basically we have Docker, which is a container, that's hardened with Sysbox. So it's Docker's, isolation that is a security equivalent to a VM, but it's still a container. And that is the default, and they, especially in these training workloads, really like that as an interface to be able to use just a basic Docker container, and we enable Docker and Docker. Which for these RL runs, if you need to do a Docker compose or Kubernetes, you can spin up a K3S inside of these things, which unlocks a huge amount of workloads that you can do that you cannot do on other providers. So just on that part is much more interesting. And so we went that, through that. We showed them that we could do that, and they enjoyed that quite a bit. They being the general venture people.Swyx [00:31:28]: Those people, yeah.Ivan [00:31:29]: And Harbor people.Swyx [00:31:29]: Harbor people, do are they, are they a company yet?Ivan [00:31:33]: As far, I do not know.Customer Pull, Slack Connect, and the Computer Use BetSwyx [00:31:35]: Okay. All right. Yeah. It's like super obvious that like, there's a lot of excitement and success around these things, okay, so yeah, tell us more, right? Like, this is an exploding workload, Harbor adopted you, which helped speed things along. But what are you learning as this new workload comes online?Ivan [00:31:53]: There's a couple things that we learned, which we chat about in the beginning. We, and this has led our story, as we mentioned, we like talked to a lot of customers along the way, and we add more features and more tool sets as we talk to customers. And it's interesting that And I think it's that the ecosystem is so small and/or the models get smarter, where when we see one user come with a request, we know it goes on a roadmap if like three to five customers come with the same request in that week. It's like very bizarre. It happens so many times, which is.Swyx [00:32:27]: Because they're all friends.Ivan [00:32:28]: Sorry?Swyx [00:32:28]: They all, they're all friends. They're all in the same group chat.Ivan [00:32:30]: Yeah, probably, yeah. ‘Cause and they're like, “Oh, can you do this?” And I'm like, “Okay, this is interesting. We'll put it on a feature request.” And then the next one's like, “Oh, can you do this?” “Okay.” It's all the same, right? It's always the same. And so what we try to do, and I personally try to do, I try to be on as many call, quote-unquote “sales calls” I can. I'm in every Slack channel. We literally have about 1,000 Slack Connect channels, something like that. It's an interesting, there's so many interesting things you find out when you have all the Slack channels. You can also see where people, transfer between companies. You see leave Slack channel, enter Slack channel. It's an interesting thing. Also, just I digress, I feel that Slack Connect is literally LinkedIn what it should be. You have a list.Swyx [00:33:08]: LinkedIn charges you to, use your own connections, but Slack doesn't, right? Slack is like, do it for free. It's more lock-in. It's great.Ivan [00:33:15]: Yeah. It's amazing. Yeah. It's one of the reasons.Swyx [00:33:17]: You're gonna pay Slack for life.Ivan [00:33:18]: Exactly. You're there for life. So that's interesting. And so one of the things, the newer things we were talking about earlier is we made a big bet and put a lot of investment on computer use. that is not seen publicly the light of day. We haven't GA'd that yet, but we have.Swyx [00:33:32]: Is there a thing I can pull up?Ivan [00:33:33]: There is computer use there. It's right up a bit.Swyx [00:33:36]: Oh, yeah. Okay.Ivan [00:33:38]: What we have, what we talked about and what we've seen publicly is there's this theme now about, the human emulator where And Elon from XAI has talked about this publicly, and if you think about the models today, they're actually quite sophisticated and they can do a lot of work, but they still don't have access to all the tools. Like, I'm a strong believer that the most efficient way for an agent to work is essentially headless or through, terminal or whatnot. But if we, if we look at knowledge work in general, there's about 100 million knowledge workers in the US, about a billion in the world, and knowledge workers, and the salaries of them aggregate to 10 trillion in the US 50 trillion worldwide.Swyx [00:34:24]: Wow.Ivan [00:34:25]: Something like that. And if we look at, the five most important sectors of that, so like healthcare and government and financial services and whatnot, that's about 56% of that. So let's say it's about half of that. So in the US it's about 25 trillion, and most of them, most of that work is actually still locked into legacy apps inside of Windows, which is not going anywhere for a very long time. Like, people just won't invest in that. How much of it? our assumption is the following: if, in the RPA market, which is similar market, well, not the same 25% of, these white collar, workers', work is automated. If an agent is more sophisticated, can go through more runs, figure stuff out, let's say it's, 40%, right? And so if you take 40% of that, you get to essentially, $10 trillion a year.Swyx [00:35:17]: That's a TAM.Ivan [00:35:18]: That is a that is a TAM. So that's the TAM of the models, right? That's not our, essentially ours. But you get to that size, and to be able to do that, you essentially have to give agents these computers with the legacy. So computer use, either Mac or Windows or Linux. Linux we also obviously have and others have. But Windows specifically is something very new, and the only option right now is an EC2 with, Windows or on Azure. Both of them take anywhere from three to five minutes to spin up. We've created an actual sandbox, so it's a second instead of milliseconds, but you have, point in time snapshots, you have, forking, you have all the things that you have from a sandbox, but essentially enables you to hopefully unlock all this value. And so that's been our big push and bet, but we've sort of, kept our ear to the ground. What is sort of the next things in the market?RPA Returns: Why Agents Still Need ComputersSwyx [00:36:06]: Yeah, knowledge work, and building, and sort of RPA, the next wave of RPA. I got very excited about RPA kind of during COVID times. The UI path was IPO-ing. And it was, a very hot Isn't it, Eastern European?Ivan [00:36:20]: It is, Romanian.Swyx [00:36:21]: Romanian?Yeah, it might be the only Romanian, big unicorn okay, yeah. This I don't I don't, I don't have like a I think there's, I think there's a stage being set for the resurgence of RPA, ‘cause everyone understands that, yeah, no one wants to deal with these shitty apps and no one's gonna rewrite them. Like, you just have to do, a remote operation and programmatic operation of them.Ivan [00:36:45]: If you wanna unlock it, my own setup was basically the following. So I was doing a board deck recently, last month, whatever, and I'm like, “Okay, let's just, let's just do automated.” So, all our data's in, ClickHouse and PostHog and QuickBooks, where everyone else's is, and I'm basically, connected that all to, my Cloud code, like go off and go Cloud code whatever. Go off and, here's the integrations, go do that. It pulled out the first report, which was great. It connected to Brex and all these things, pulled it, which was great, and then I say, “Okay, now pull out this, and this,” and I kept getting, really well McKinsey-style design reports, but the data said partial data. all the missing data, partial data. Like, it can't access all the things, and I got so frustrated, and so I got, I got, my Mac Mini virtual sandbox with OpenClaw. I gave it its own account in our company, and then I went to all these services and created a read-only account, so literally like an intern in your company. And so I would say, “Now go and do this report,” and it would get the same, or like, “I can't via the MCP or the API or whatever. I can't get all the information.” I'm like, “Go log in.” And it will log into the website, then go in, export the data. It'll export the data and do the thing end to end. So even for things that have today APIs, not all of it is exposed, and I to get value, I get immense value right now, but it has to be a computer usage, unfortunately, and so I spend a bunch of tokens just on that, but I get the job done. And so if even a startup like ours, and using all the hottest tools, still needs a computer agent what hope does, Goldman have to have a headless, right?Swyx [00:38:22]: Yeah, what a - Why isn't Microsoft doing this?Ivan [00:38:27]: I'm pretty sure, Satya had a post yesterday.Swyx [00:38:29]: Oh, okay. I see.Ivan [00:38:29]: Which was like, “Every agent needs a computer.”Swyx [00:38:31]: I see, I see.Ivan [00:38:32]: So they have launched something recently.Swyx [00:38:34]: Yeah, they have Microsoft Power Automate, I'm sure, I'm sure, they're gonna have their version.macOS Sandboxes, Apple Constraints, and the Windows OpportunityIvan [00:38:39]: Version of that, yeah.Swyx [00:38:39]: You're gonna try to do yours, and it - I always know there's always demand for Mac, but I know it's, tricky to host, macOS sandboxes.Ivan [00:38:49]: We will have macOS sandboxes fairly soon. The problem with macOS, OS sandboxes is, I'm deep in this, I don't know how much interesting is.Swyx [00:38:55]: No, it's.Ivan [00:38:56]: MacOS has this problem.Swyx [00:38:57]: It's a licensing thing, right?Ivan [00:38:58]: Licensing thing. So one, you're allowed to run only two parallel VMs per machine, so that's one. Two, you can only license to a different user every 24 hours. So if you come in and theoretically, if I wanna charge you per second and I charge you one second, I have to have it idle for the rest of the day. I can't have anyone else doing that. So the pricing will be different in the sense that I will have to - we would have to charge for 24 hours, and that's not even, that's not even the most difficult thing. But the, thing above that is, from a security perspective, they enable you to do memory snapshot, pause, resume, but only on the same physical drive, physical machine. And so what you can do in, Windows world or Linux world is that I can move in the background, your snapshot from one to the other and manage load, right? Here, if you wanna do that, you essentially have to have your.Swyx [00:39:49]: Yeah, snapshots. Yeah.Ivan [00:39:50]: Your.Swyx [00:39:51]: It's like.Ivan [00:39:51]: Physical machine.Swyx [00:39:52]: You can't break it up.Ivan [00:39:53]: You can't, you can't move things around that, and all of that is, that part is, from a security standpoint, if it is written. Like, I understand the security aspect of that, but it disables you from doing these agentic, like really scalable agentic workloads.Swyx [00:40:08]: You need to do a vibe-coded, clean room implementation on macOS that you can then - That's like Clean OS or something. I don't know.Ivan [00:40:17]: So. We have.Swyx [00:40:18]: ‘cause like Linux was originally like a clean room rewrite of Unix.Ivan [00:40:21]: Okay. Yeah.Swyx [00:40:21]: Or something like that, right? Like same thing to macOS. Someone needs to do it.Ivan [00:40:25]: Someone will do that, and someone will have some long-running agents for a few days to figure this stuff out. But yeah. So definitely we - we're really close to offering something ‘cause people do want it, but the pricing will be different, and the feature set will be sort of stringent.Swyx [00:40:38]: Yeah, nobody's gonna use this. like, the labs, the labs will because they want to automate macOS.Ivan [00:40:42]: They have to do RL. They have to do RL again. But even if you The - So the point is with the RL part, if you, if you do RL on macOS, then the next iteration of the model comes out, it will be able to use these tools significantly. Then you actually need to run those, that somewhere. So you're gonna have to have that, later on. And from, if anyone at Apple is listening, I very much feel that they are shooting themselves in the foot of the scale of the revenue of compute or licensing they could get if they would just enable a concurrency model similar to what you can get on a Windows and a, and Linux.Swyx [00:41:17]: Yeah. Yeah. And I'm sure they've heard this before. They just don't care. Yeah, it's And maybe they will change their mind with the new CEO.Ivan [00:41:24]: Yeah. We'll see.Swyx [00:41:25]: We'll see.Ivan [00:41:25]: High hopes.Swyx [00:41:26]: High hopes.Ivan [00:41:26]: High hopes.Swyx [00:41:27]: Okay. But I, it's very clear the market opportunity is huge in Windows, and you can go for a long time on just Windows, but your customers are gonna want both. and I think, it is interesting to me that, this is the sort of God application of agents, right? Like, I don't It was - How big was OpenClaw for you guys? Like, was it, was there, a significant bump.OpenClaw, Agent Labs, and the B2B2C Sandbox MarketIvan [00:41:54]: Not for us because we.Swyx [00:41:54]: Because you already.Ivan [00:41:55]: We're kind of positioned differently. Whereas although it's completely PLG and we have individual developers that use it, most of the users that use Daytona are sort of a B2B2C. Sort of it's either B2B or B2B2C. So, in the researcher world, it's B2B, so you're selling to, labs and neo labs and things like that. But on the long-running agents, it's mostly, from a scale revenue perspective, it's mostly B2B2C, where you have a app layer agent that uses you at a big scale.Swyx [00:42:26]: Like a Manus. Yeah.Ivan [00:42:28]: Like a Manus Lovable type of thing.Swyx [00:42:31]: Yeah. I think that's the question of, well how, um-Uh, yeah, B2B to C is basically to me what I've been calling an agent lab, which is kind of like you're not in a model lab, but you're making a very good wrapper that is a platform that other people can sign up so they don't have to code those things. Yeah, it sound, it sounds like a much better market than the direct OpenClaw market.Ivan [00:42:56]: I've like - We I've done multiple things. So the CodeAnywhere's part of our career path R in the calendar, was very much an end user developer product. And so that is great. It You can get a lot of developer love, and I feel that we do as a company have a bunch of developer love. But it's a different type, where it's people building these things. Again, it's more akin to a Twilio because you don't really run - As a person, you wouldn't run Twilio. I don't know how many people remember. It was like ask your developer billboard and whatnot. And people really love Twilio, but they only used it inside of like, “Oh, I'm building this app or service for thing.” And so we're very much directly to that. And you also know that I used to work for a competitor for Twilio, so it's kind of ingrained, in my DNA.Swyx [00:43:35]: People don't know InfoBip is that big.Ivan [00:43:38]: Yeah, it's.Swyx [00:43:39]: Because.Ivan [00:43:40]: It's a billion euro.Swyx [00:43:40]: They're all American. They're like, “Whatever's in Europe doesn't matter to me.” But like it's the, it's the same size or bigger? Same size?Ivan [00:43:46]: It's about half the size.Swyx [00:43:47]: Half the size?Ivan [00:43:48]: Yeah, about half the size.Swyx [00:43:48]: It's like, yeah.Ivan [00:43:48]: Still huge. Multiple billions a year. Yes.Swyx [00:43:51]: That's crazy.Ivan [00:43:51]: Exactly, and so that - These are like really interesting and large revenue-generating, very sticky businesses. Whereas when you're selling to the - When your focus is the end developer, it is a very hard sell because they're very price sensitive, very price conscious, very around that. And there's very It's very hard to scale. Your cap is the number of people that are willing to spin up - First of all, wanna spin that up, and then spin up multiple of these. Whereas if you're in the enterprise one, like we know everyone's talking about like how many tokens they're spending, I'm spending. Like a lot of companies today are like, “If this is our company, spend as much as you can.” Like basically that is where we're going. And so if you think about that paradigm, where you're selling to companies that say, “Spend as much as you can to generate, productivity,” versus, “Oh, I'm a single person. I have this much budget, and I'm doing this thing because it's fun or it's helping me out or whatever.” Like it is a different, it's a different go-to-market, I think, strategy.MCP, CLIs, and Sandboxes as the Agent RuntimeSwyx [00:44:50]: Yeah, there's a lot of discussion. I'm just kind of going through like the mental list of things that are in your favor, which is, for example, MCP versus CLI. Like obviously you want CLI. It's been very good for you. I feel like it's maybe a drop in the bucket or maybe it's huge. I'm just checking whether it's like these are big trends.Ivan [00:45:10]: Those things you - work well in our favor, to your point just because every.Swyx [00:45:13]: They're kind of drop in the bucket, right?Ivan [00:45:15]: I think it's like sort of all the things come together. And so there's so many things that impact that. To your point, like OpenClaw wasn't huge for us, but like having the agent SDK, from Anthropic, so or Cloud Claude Code was very interesting. The reason why it was interesting is that a lot of, let's call them app I don't know what to call them, app layer agent companies, essentially they are like, “Oh, I can create this new app, this new agent. All I need, I just use Claude Code, and I throw it into a sandbox, and then I have my interface to the human to that.” And so that enabled so many more companies to actually offer this, and then they would pull on sandbox. So that was, that was interesting. And to your point, like MCP, versus the CLI, the MCP is an interface against an API, whereas the CLI is like you can actually go do things. Like this is it. The difference between integrations and actually running scripts or data or analysis against a thing. So being able to use a CLI very well enables the agent to do more things, and it's because that people will invoke a sandbox, they'll run it in the CLI, and but it'll do anal-analysis on that data and then give you an actual result versus just, pulling data from an API source.Swyx [00:46:29]: Yeah, it's a layer of indirection basically, it's the same thing as agentic search versus RAG, which where you're.Ivan [00:46:34]: Exactly, yeah.Swyx [00:46:34]: Just like you just win whenever people put more agents into their workflow. And so like it doesn't really matter, but I'm just kinda teasing out like what else have people heard about that like it's sort of, “Oh yeah, this is another sandbox use case. Oh yeah, that's another one.” Am I, am I missing any big ones?Ivan [00:46:51]: The thing, the thing that people, which is the computer use stuff, which I think is probably the most interesting one, is, and to your point, we've talked to so many people over the last year. It's like, “Oh, like why do you need a sandbox? Why do you need this? Why this?” And to your point, it's like, “Oh, I need sandbox for this. I need sandbox for that. I need sandbox-” It's like, “Oh, I need it for every single thing.” And so basically what I, what I - and it sounds like a broken record, it's like you use a laptop every single day, right? And you are n of one. It's just you. But now imagine how And by the way, the laptop, the computer PC market, the PC market is about equal to the cloud market in total. So it's about 150, 180 billion a year. Something like that. It's about roughly the three cloud hyperscalers is about equal to like Apple, HP, Lenovo, whatever, It's a little bit less, but it's sort of like that. And now imagine And that's just like, so how big is the addressable market? What, how many people are there in the world now? What's the last data?Swyx [00:47:45]: Let's call it eight billion.Ivan [00:47:46]: Eight billion. And so let's say you can have two computer, like you have one personal and one business, whatever. Like so it's double that, right? and so that's 16 billion, right? How many agents are gonna be running in two years, in 10 years, in 100 years? Like And for every single task, they will need one of these. And so how big is that? That market is essentially quote unquote “infinite”. You will get to the point, and Dylan Patel was at the conference talking about, from SemiAnalysis, that talks usually about GPUs, was also talking about how CPUs will now be a bottleneck because it will be the constraint. You won't be able to grow, or we won't be able to have enough of these because there won't be enough CPUs to basically do.Swyx [00:48:23]: Yeah. Well, I actually had a really good podcast with Doug Oliphant, who, which was his president at SemiAnalysis, where they've basically been like, yeah, it's been a GPU shortage first, but then it's cascaded down to memory and now to CPUs.Ivan [00:48:35]: CPU, yeah.Swyx [00:48:35]: It-What's next? So networking. So, networking actually has been in shortage for a while if you're looking at, just GPU networking. But, yeah, it's really crazy the amount of computer use that's going on, yeah, cool. I, other questions are, just the one very big part is the open sourceness which you didn't have to do, your competitors don't do, like it's not, a lot of people are worried about keeping their projects open source because some competitor can just slot fork it. I don't know if there's any reflections on just being an open source company.Open Source, Trust, and Enterprise ProcurementIvan [00:49:15]: Yeah. There's a bunch. So we the original product that we did was open source.Swyx [00:49:19]: Yeah. CodeAnywhere.Ivan [00:49:20]: So doing that was actually very good for us. There's basically a saying of, What's the saying? Like, companies that are, that are doing really well, measure themselves against, free cashflow, that are kinda okay, it's EBITDA, then, it's, it goes all the way down.Swyx [00:49:36]: The worst is like GitHub stars.Ivan [00:49:37]: GitHub stars. GitHub stars are the worst, yeah. So you go all the way down to GitHub stars. And so our original one was GitHub stars. That's what we talked about, we're at the point we're talking about revenue, so we're we've gone up the stack on that. And so we started.Swyx [00:49:47]: No, profit.Ivan [00:49:48]: Yeah. We haven't, we're, we'll get there. We'll get there. But basically at that point we did stars and GitHub and it was useful, and the original variation that we did, it we split the core into its own repo and it was Apache 2.0, so very, permissive. And then we basically would bundl

Join our next FASO Show Live!https://artists.boldbrush.com/p/the-faso-showLearn the magic of marketing  with us here at BoldBrush!boldbrushshow.comGet over 50% off your first year on your artist website with FASO:FASO.com/podcast---For today's episode, we sat down with Todd Williams, a Nebraska-born impressionistic oil painter who discovered his calling as a child, went on to study at the Kansas City Art Institute, worked a decade as an illustrator for Hallmark, and has since spent about 25 years as a full-time fine artist represented by major galleries. His work is driven by a desire to evoke emotion at both a distance and up close, with paint quality, broken color, and expressive brushwork often carrying as much weight as the subject itself. Technically, he emphasizes the “science” of painting—values, composition, clean value planes, and his value–color–mixture approach—as the left-brain foundation that lets him later enter a childlike, intuitive “spirit of painting” mode. A major milestone was his Legacy Nebraska Collection, a five-year project tied to Nebraska's sesquicentennial that deepened his connection to place, history, and Native American subjects, and led naturally into his current series of bold, expressive Native American portraits and Western work. His advice to artists centers on perseverance, choosing strong and simple subjects to set yourself up for success, learning from both failures and wins, and accepting the ongoing tension between painting what sells and painting what most moves you. Over time, his definition of success has shifted from financial hunger and high output toward health, spiritual grounding, contentment, and relationships—treating the studio as a sacred space and the artistic journey itself as the true destination. Finally, Todd tells us about his upcoming activities, including teaching workshops with the Indiana Heritage Arts group in Nashville, Indiana and at the Merrick County Museum in his hometown of Central City, Nebraska, participating in ongoing and future Western-themed exhibitions (such as at the Museum of Western Art in Kerrville and Settlers West Gallery in Tucson), and contributing to the traveling “Painting the Arkansas Parks” exhibition organized through the Heart of America Artists for 2026–2027.Todd's FASO site:toddwilliamsfineart.com/Todd's Social Media:instagram.com/toddwilliamsfineart/

Kash Patel continues living like a ten-year-old who found a winning lottery ticket. Trump's supporters debate the strict meaning of “worship” with regards to the golden statue of him they built to take pilgrimages to. Then, we get into Mr. Wonderful's planet-eating Death Star of a data center project in Utah, the fight against it, and his ability to sniff out all the Chinese A.I. saboteurs who've, uh, lived in Box Elder County, Utah, their whole lives.This episode is sponsored by ZBiotics. Go to https://www.zbiotics.com/SKEW now. You'll get 15% off your first order when you use SKEW at checkoutWeekly Skews is brought to you by Fast Growing Trees. Right now, they have great deals on spring planting essentials, up to half off on select plants. And listeners to our show get TWENTY PERCENT OFF their first purchase when using the code SKEW at checkout.Visit https://www.fastgrowingtrees.com/skew and use the code SKEWThis episode is sponsored by BetterHelp. BetterHelp makes it easy to get matched online with a qualified therapist. Sign up and get 10%  https://www.betterhelp.com/skews 

This is a free preview of a paid episode. To hear more, visit www.theflyingfrisby.comThere's a lot more to AI than software. AI requires electricity, transformers, substations, cooling systems, data centres and more. That all means copper. Lots and lots of copper.Right on cue, the copper price hit fresh highs last week at $6.68/lb, before pulling back. So today I am going to take a long overdue look at copper. Was last week's action just a spike that will soon fade away? Or was it part of something much bigger? TLDR - the second one.Let's start with a 50-year chart to give you some historical context.Copper peaked in the great inflationary blow-off of 1980, before spending the next twenty years doing essentially nothing. The 1980s and 1990s were an age of globalisation, disinflation and cheap commodities. Who cared about hard assets or mining? Then came the rise of China and the supercycle of the 2000s. China urbanised, industrialised and turned itself into a superpower. Copper exploded higher, peaking in 2011. That boom then gave way to a long hangover. The 2010s were dominated by tech stocks. Mining died a death. To survive mining companies cut capex, reduced exploration and focused on balance sheet repair rather than growth. That decade of underinvestment laid the foundations of the shortages being revealed today.Meanwhile, while investors were busy buying software companies and meme stocks, the world quietly decided it wanted to electrify everything.The really striking thing about the chart is the speed of the rallies when they come. Then the amount of time copper spends going nowhere.Now here's the ten-year chart, with the one-year moving average in red and the 55-day moving average in blue. To my eye, copper appears to have formed a major bottom in 2020 during the Covid panic. The violent correction in 2022 increasingly looks like an early-cycle shakeout.Technically, the chart is undeniably bullish. Copper is trading above both moving averages, both of which are rising strongly. Momentum remains positive.That said, in the short term, the metal does look extended. Sentiment has become hyper bullish. Every investment bank now seems to have a copper supercycle note. Type “copper” into X and see what comes up: we are going to the moon on a copper superjet (powered by electricity natch).Now here's the three-year chart, to which I've added the 50- and 200-day moving averages and the RSI. The trend is your friend, and it is up.Historically, copper tends to be seasonally weaker over the summer months, and this is a spiky chart within its uptrend. I think we see some range-trading and consolidation over the summer months, which will provide something of a buying opportunity. But the charts are only half the story.The more interesting question is why copper may be entering an entirely new structural era.

As an Extension Entomologist, PJ Leash spends a lot of time thinking about ticks. Technically arachnids, ticks are obligate blood feeders. This means they need to take a blood meal so they can go to the next phase of their life cycle. This means that many outdoor enthusiasts often run into them while getting some fresh air. Many people have been saying this is a good year for ticks. So I asked PJ if he's seeing the same.See omnystudio.com/listener for privacy information.

In this episode of Missing Frames, Shawn and returning guest John Mills tackle one of the most gloriously baffling cult films of the 1980s: Masters of the Universe.Technically speaking? It's not a good movie.Emotionally speaking? They kind of love it anyway.Together, Shawn and John dive deep into the strange, earnest, deeply endearing world of Cannon Films' live-action adaptation of He-Man and the Masters of the Universe, starring Dolph Lundgren as He-Man and a gloriously committed Frank Langella as Skeletor. Along the way, they unpack the film's bizarre production history, its unmistakable “Cannon Films energy,” and why the movie's sincerity and lack of cynicism make it weirdly lovable. They also discuss that odd moment when a "bad" movie ends up being far more endearing and memorable than a competent one.By the Power of Grayskull, this one has the power.

Welcome to The P.S. after dark. (18+content). Are you feeling funky... free... and groovy? Stop on by.Tonight we ask the tough questions. Drop your comments, thoughts and ideas. Find us on X. See y'all on the other side.

In this interview with Irakli of BizNews, Currency co-founder Giulietta Talevi unpacks the April 23 letter from Finance Minister Enoch Godongwana to Joburg Mayor Dada Morero, which laid bare the city's "shocking" financial picture: just R3.9bn in cash against R25bn owed to creditors. "Technically, you would say that it's bankrupt now, and cannot afford an excessively expensive wage deal," Talevi says of the R10.3bn SAMWU agreement at the heart of the dispute. She explains why Moody's downgrade watch is really about governance — not just numbers — pointing out that the city's failure to produce its audited financial statements "indicates serious deterioration in governance, and not just Joburg's financial health." Two deadlines loom: audited financials owed to the JSE by May 31, and a R1.4bn bond repayment due June 22. Talevi explains that because the debt is unsecured, all creditors "are treated equally" — meaning a single default event could trigger every lender to call in their loans simultaneously. She also raises the spectre of moral hazard, citing Chartis Asset Management's Ian Scott on what he calls a "treasury-funded put" — the idea that bailing out Joburg signals to leadership that they "can mess up, you can collapse the financial situation of the country's biggest Metro… and we'll bail you out because you're too big to fail." When Irakli draws a parallel to the e-toll saga, Talevi agrees taxpayers are "on the hook again" — paying their taxes only to face additional costs for the basic services those taxes were meant to fund.

Interview with Mark Selby, CEO, Canada Nickel CompanyOur previous interview: https://www.cruxinvestor.com/posts/canada-nickel-tsxvcnc-strategic-investment-and-tax-credits-strengthen-construction-timeline-9456Recording date: 12th May 2026Canada Nickel Company is approaching a major milestone with its Crawford nickel project in Ontario, positioning it as one of the few new nickel developments globally capable of production before 2030. The company has received its Draft Impact Assessment report and proposed permit conditions under Canada's 2019 environmental framework, with final approval expected in early summer 2026. This would make Crawford the first mining project approved under the updated legislation, marking a significant regulatory achievement after a four-year review process.The project enters a favorable market environment. Nickel prices have rebounded sharply, rising nearly $5,000 per ton since late 2025, while the global pipeline of new supply remains limited. Only a small number of projects are expected to come online this decade, creating strong demand for near-term production assets like Crawford.Canada Nickel is pursuing a financing strategy designed to minimize shareholder dilution. The plan combines debt financing from Export Development Canada, bridge financing tied to refundable tax credits that could cover about 60% of equity needs, and strategic partnerships. As a result, the company expects dilution of roughly 2% or less, significantly below industry norms.Crawford also benefits from a strategic decarbonization advantage. Powered by Ontario's low-carbon nuclear and hydroelectric grid, the project aims to supply nickel and semi-finished steel products to European markets facing carbon border adjustment costs. This positions the company to capture premium demand from steel producers seeking lower-emission inputs.Technically, the project is construction-ready, with long-lead equipment identified and initial government funding anticipated in mid-2026. A final construction decision is targeted for early to mid-2027. Beyond Crawford, Canada Nickel holds a pipeline of additional projects that may offer even stronger economics, reinforcing its long-term growth potential in a tightening global nickel market.Learn more: https://www.cruxinvestor.com/companies/canada-nickelSign up for Crux Investor: https://cruxinvestor.com

GOOD LORD! Today's stories are scary! Be transparent people. TODAY on the SHOW, Johnjays boys are at it again and BLAKE almost got PUNISHED as a result. Then, let's catch up on a TON of advice needed now that Johnjay is back. Joy, Keanna, Simone - all valid for needing our help. Then, Nic has a Disney Game for Demi Tickets.... kinda? Technically? He's of an "elder" Disney generation LMAOOO. Plus, REMEMBER THE TIME and KYLES PUPPY UPDATE!See omnystudio.com/listener for privacy information.

The McGraw Show 5-13-26: Gambling Machine Bust, Parking Etiquette, Not Knowing Celebs & "Technically Sound" by

Hello Poison Friends! This week I am posting an older Bonus episode from our Patreon while Erin is out of town and Mother's Day weekend pulls us away from the desk and microphones. We will have a new episode for you next weekend, though, and from there we'll continue our every other week status! Sir Isaac Newton was big into alchemy and likely suffered from heavy metal poisoning because of it. I mean, God forbid the man acquires a hobby, right? Well, according to the Church of England (and his Anglican upbringing) it was forbidden. Technically, it was also banned to prevent the value of currency becoming moot as alchemy's main goals were to turn any metal to gold and to create the Philosopher's Stone--Yes, yes, we do mention Nicolas Flamel, because while he did not actually know any Dumbledores, he was real...or at least a figure written about. He had few friends and many rivals. Newton has been called a genius of geniuses by many and still influences scientists today. Most of us know his Laws of Motion and his work explaining gravity and inventing Calculus. He was also known to be socially difficult, prone to angry outbursts, was fiercely competitive (but also insecure), and did not take criticism well. He also would have been labeled a heretic by the church of his time (and who doesn't love a rebel like that?). His work in alchemy led to his exposure to some toxic heavy metals and the effects can be seen in his letters with friends and through witnesses who knew him best. He became a paranoid and confused shell of a man and we need to dissect what was a result of his toxic hobby. Thank you to all of our listeners and supporters! Please feel free to leave a comment or send us a DM!Patreon:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠patreon.com/thepoisonersalmanac⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Merch-⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://poisonersalmanac.com/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The Poisoner's Almanac IG-⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/poisoners_almanac?utm_source=ig_web_button_share_sheet&igsh=ZDNlZDc0MzIxNw==⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

In this episode of Fill the Gap, Tyler Wood, CMT and Dave Lundgren, CMT, CFA interview David Cox, CMT, CFA, Senior Portfolio Manager at Financially INsync, about his evolution into a technically driven investor and how his experience shaped a disciplined, trend-following approach. David also emphasizes the importance of routines, risk management, and acting decisively at market inflection points. He describes it as a "technically driven approach," relying far more on price, volume, relative strength, and market behavior than on narratives or headlines, which he views as often misleading for investors. The conversation also explores the emotional and practical challenges of managing client money, including handling cash positions, avoiding large drawdowns, and balancing clear rules with discretion rather than fully automating decisions. This episode gives you a glimpse into the inner workings of portfolio management, as well as the mindset of a successful portfolio manager.Fill the Gap, hosted by David Lundgren, CMT, CFA and Tyler Wood, CMT brings veteran market analysts and money managers onto a monthly podcast. For complete show notes of every episode, visit: https://cmtassociation.org/development/podcasts/ Give us a shout:@dlundgren3333 or https://www.linkedin.com/in/david-lundgren-cmt-cfa-63b73b/@_TBone_Pickens or https://www.linkedin.com/in/tyler-wood-cmt-b8b0902/@CMTAssociation orhttps://www.linkedin.com/company/cmtassociationCMT Association is the global credentialing authority committed to advancing the discipline of technical analysis in the financial services industry. We serve members in over 137 countries. Our mission is to elevate investors mastery and skill in mitigating market risk and maximizing return in capital markets through a rigorous credentialing process, professional ethics, and continuous education. CMT Association formed in the late 1960s with headquarters in lower Manhattan, NY and Mumbai, India.Learn more at: www.cmtassociation.org

This week on the Pinkbike podcast, we dive into the season's first World Cup in South Korea, where loose, sandy soil and questionable track builds created a "recipe for disaster." The drama peaked when a dangerous feature was closed mid-race after Lou Ferguson's crash, leading to confusion from off-site commentators. We also witnessed the bizarre saga of "Hardtail Man," a Polish rider on a dual-crown-equipped hardtail rig whose retro vibes turned into a safety hazard when elite riders nearly caught him during his run. The racing itself confirmed a massive "changing of the guard" as the new generation officially took over. Asa Vermette lived up to the hype with a clinical win, while Amaury Pierron proved he's back in "Terminator" mode by crashing yet still clawing his way to an incredible third-place finish. Between the Alran twins' calm "aura" and the Junior Women posting elite-level times, the depth of the field is reaching a fever pitch. Technically, the pits were buzzing over radical "trophy truck" bike setups and the legitimate podium success of belt-drive bikes. Looking ahead to Loudenvielle, it's clear the veterans are under heavy fire. Whether it's the raw speed of the Juniors or the return of a healthy Pierron, the "old guard" will have to find another gear to stay on the podium this season.

You can put it in a comic. You can write it in an article. You can make it a podcast title! But can you say it on the radio? Technically, we're still not sure.

Now, you would have thought that after all the publicity Wellington City Council has been getting - and the paid staff have been getting - for being caught doing things behind the backs of elected councillors, they probably wouldn't do it again. And yet, here we are. They've been caught doing it again. The latest revelation is that they have decided to exempt themselves from a Government law brought in about three months ago. The law prevents employees who earn more than $200,000 from taking personal grievance cases against their bosses if they are fired. In other words, there will be no golden handshake if you've been sacked while earning that kind of money. But guess what? Wellington City Council bosses decided they weren't going to follow that law and exempted 42 of their staff from it. That's quite unbelievable, because the law is intended to make it easier for employers to remove incompetent managers who have been doing very little for years on end. And Wellington City Council knows it has a problem. A recent report suggests they may have a couple of hundred staff they need to get rid of. They have one of the highest staffing levels in the country when compared with other councils. As I say, they didn't tell elected councillors they made this decision. However, a councillor found out, started asking questions and it turns out it was true. Technically, the council can argue it didn't have to inform elected councillors -this is an employment decision they can make themselves. But even the mayor, Andrew Little, has said this should have gone to the council for signoff. It's not a good look. And it's becoming a bit of a running theme, hasn't it? Not just in Wellington but around the country: unelected staff making decisions in secret that ratepayers probably wouldn't be happy about if they knew. LISTEN ABOVESee omnystudio.com/listener for privacy information.

JoJo D, The Chaos Guru, in conversation with Taylor Kelley, business development director at GDIT, discussed what it really takes to stay grounded in the high-pressure world of cybersecurity and tech. Kelley shares her path as a young professional in a male-dominated field, opening up about imposter syndrome, earning credibility and learning to use her voice. The discussion goes beyond career growth, digging into the realities of balancing demanding roles with personal life, including her experience as a working parent. The conversation offered practical advice for how to set boundaries without guilt, communicate transparently, build supportive relationships and know when to ask for help. She also shared how the role of therapy, community and small habits played in maintaining resilience when work feels overwhelming.

Thanks to our Partners, Pico Technology, Autel, and Independent Wrench JobsWatch Full Video EpisodeIn this episode of Diagnosing the Aftermarket A to Z, Matt Fanslow tells the story of a modified 1994 Corvette that came in with a hesitation, backfire, and cut-out concern under light-load highway driving. The vehicle had already been looked at elsewhere, and the customer believed the problem was inside the PCM. What sounded at first like a computer problem eventually turned into a lesson in secondary ignition leakage, diagnostic assumptions, customer expectations, and the danger of two people using the same words to mean very different things.The episode starts with the question, “Can you test my computer?” Matt interpreted that as a request to diagnose why the vehicle was not running correctly. The customer meant something much more literal: open the PCM, test it on a bench, and determine what had failed inside the module. That misunderstanding created real tension once Matt found evidence pointing away from the computer and toward the ignition system.Technically, the case had plenty of reasons to look complicated. The Corvette was a 1994 OBD-I vehicle with an OBD-II-style connector, an aftermarket tune, a DTC 42 related to electronic spark timing, and an OptiSpark distributor system. Matt considered scan-tool access, PCM powers and grounds, tune corruption, OptiSpark signals, and even inspected the PCM itself. But the actual fix was far more ordinary: spark plugs and plug wires. A light mist of water exposed secondary ignition leakage, with arcing visible around the plug wires and spark plug area.The larger point of the story is not just that simple failures can hide behind complicated symptoms. It is that assumptions can create their own problems. The customer had one expectation. The shop had another. Nobody was necessarily acting in bad faith, but the mismatch still led to frustration, anger, and a near breakdown in trust. Matt reflects on how one better question at the beginning, “What do you mean when you say test the computer?” could have changed the entire interaction.Topics DiscussedDiagnosing a modified 1994 CorvetteOBD-I vehicles with OBD-II-style connectorsDTC 42 and electronic spark timingOptiSpark diagnostic considerationsAftermarket tuning and corrupt tune concernsPCM inspection and module-level testing limitationsSecondary ignition leakageSpark plug and plug wire failuresHow modified vehicles can bias diagnostic thinkingWhy customer language needs clarificationThe difference between testing a system and testing a moduleManaging expectations before diagnostic work beginsHonest misunderstandings between shops and customersKey Takeaways“Can you test my computer?” may mean very different things depending on who is asking.A vehicle that looks complicated can still have a basic failure.Modified vehicles can make it harder to avoid diagnostic bias.Customer frustration is not always about the repair itself. Sometimes it is about expectations that were never clarified.Asking one more question up front can prevent a major communication problem later.Not every misunderstanding needs a villain. Sometimes both sides are operating from different definitions.Thanks to our Partner, Pico TechnologyAre you chasing elusive automotive problems? Pico Technology empowers you to see what's really happening. Their PicoScope oscilloscopes transform your diagnostic capabilities. Visit PicoAuto.comThanks to our Partner, AutelFrom drivability diagnostics and TPMS service to ADAS and advanced safety systems, Autel helps technicians follow OEM procedures and repair with confidence. Learn more at Autel.comThanks to our Partner, Independent Wrench JobsIndependent Wrench Jobs is a new, tech-only community to help you find better independent shops—fair dispatch, steady work, real leadership. No games.Built by Technician Find—serving the industry since 2017. Join free at IndependentWrenchJobs.comContact InformationEmail Matt: mattfanslowpodcast@gmail.comDiagnosing the Aftermarket A - Z YouTube ChannelThe Automotive Repair Podcast Network: https://automotiverepairpodcastnetwork.com/Remarkable Results Radio Podcast with Carm Capriotto: Advancing the Aftermarket by Facilitating Wisdom Through Story Telling and Open Discussion. https://remarkableresults.biz/Business by the Numbers with Hunt Demarest: Understand the Numbers of Your Business with CPA Hunt Demarest. https://huntdemarest.captivate.fm/The Auto Repair Marketing Podcast with Kim and Brian Walker: Marketing Experts Brian & Kim Walker Work with Shop Owners to Take it to the Next Level. https://autorepairmarketing.captivate.fm/The Weekly Blitz with Chris Cotton: Weekly Inspiration with Business Coach Chris Cotton from AutoFix - Auto Shop Coaching. https://chriscotton.captivate.fm/Speak Up! Effective Communication with Craig O'Neill: Develop Interpersonal and Professional Communication Skills when Speaking to Audiences of Any Size. https://craigoneill.captivate.fm/

Rob's a producer-engineer & classically-trained musician. He produced his first record just last year. His DIY spirit and engineering chops combine for a unique mix of science and magic. An alchemy of the recording studio.He's modded and restored classic gear. Builds microphones at his day job (at the legendary AEA Microphones in Los Angeles). And is passionate about pairing the right tech with the right moment.We talk boundary microphones and ribbon mics, the history of the tools, and how to deploy them for the maximum vibe. In a recent blog post on The Pixies' Surfer Rosa, I talked about how boundary microphones defined the guitar sound. It's serendipitous Rob actually knows how they all work!For 30% off your first year of DistroKid to share your music with the world click ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DistroKid.com/vip/lovemusicmore⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Is Allen, Texas even the same city it was two years ago? Technically… yes. But in reality? Not even close. In this episode, we break down what's actually changed in Allen, from massive new developments and shifting home prices to major school zoning changes and what all of it means if you live there, or are thinking about moving there. Allen is still a phenomenal place to live, but it's growing up fast, and that comes with trade-offs. If you're a homeowner, buyer, seller, or just keeping an eye on the DFW market… this is the kind of insight you need before making your next move. Call or Text us anytime 214-216-2161

Have any questions, insights, or feedback? Send me a text!Length: 1 hour 43 minutesSynopsis: This evening (4/30/25), in our Thursday night women's shiur, we learned through the entire chapter in the Moreh ha'Nevuchim in which the Rambam discusses the purpose of the universe. Technically speaking, this is part of our Friday morning Sefer Iyov Machshavah Lab series for women, but in order to make up for lost time, I decided to take it up in our Thursday night shiur. Thankfully, it's also a standalone topic. I'm happy with our analysis, and hope you find the Rambam's argument as enlightening as I did!Here's the link to My Rejected Kiruv Article on the Purpose of Life, which I mentioned at the end -----מקורות:רמב"ם - מורה הנבוכים ג:יג-----The Torah content for the month of Iyyar is sponsored by Naomi Schwartz Rothschild in memory of her mother, Breindel Bracha bas Mordechai z”l, whose yahrzeit falls on the 8th of Iyyar. She learned and lived Torah, and was a tremendous baalas chesed.-----If you've gained from what you've learned here, please consider contributing to my Patreon at www.patreon.com/rabbischneeweiss. Alternatively, if you would like to make a direct contribution to the "Rabbi Schneeweiss Torah Content Fund," my Venmo is @Matt-Schneeweiss, and my Zelle and PayPal are mattschneeweiss at gmail. Even a small contribution goes a long way to covering the costs of my podcasts, and will provide me with the financial freedom to produce even more Torah content for you.If you would like to sponsor a day's or a week's worth of content, or if you are interested in enlisting my services as a teacher or tutor, you can reach me at rabbischneeweiss at gmail. Thank you to my listeners for listening, thank you to my readers for reading, and thank you to my supporters for supporting my efforts to make Torah ideas available and accessible to everyone.-----Substack: rabbischneeweiss.substack.com/YU Torah: yutorah.org/teachers/Rabbi-Matt-SchneeweissPatreon: patreon.com/rabbischneeweissYouTube Channel: youtube.com/rabbischneeweissInstagram: instagram.com/rabbischneeweiss/"The Stoic Jew" Podcast: thestoicjew.buzzsprout.com"Machshavah Lab" Podcast: machshavahlab.buzzsprout.com"The Mishlei Podcast": mishlei.buzzsprout.com"Rambam Bekius" Podcast: rambambekius.buzzsprout.com"The Tefilah Podcast": tefilah.buzzsprout.comOld Blog: kolhaseridim.blogspot.com/WhatsApp Content Hub (where I post all my content and announce my public classes): https://chat.whatsapp.com/GEB1EPIAarsELfHWuI2k0HAmazon Wishlist: amazon.com/hz/wishlist/ls/Y72CSP86S24W?ref_=wl_sharel

It's been exactly five years since Lizzy interviewed Lachi! Now, there's officially a Grammy-attending nonprofit advocating for performers with disabilities, a new single, and a book! Technically, there are two books, but the latest is discussed in this episode. Learn more about all of the above plus a fun fact about the book writing and audiobook recording process! Visit the website here: lachimusic.comConnect with the Performing Arts Devision!Facebook: https://www.facebook.com/share/14WzMzzsDKJ/?mibextid=wwXIfrLink to Podcast Page on the Website - http://nfb-pad.org/podcastTwitter:https://x.com/nfb_pad

Today, Jason sat down with Caleb Christopher to break down how creative finance is actually being used in today's real estate market, especially for property managers looking to grow beyond traditional deals. In this episode of the #DoorGrowShow, property management growth expert Jason Hull and Caleb Christopher discuss strategies like subject-to deals, the due on sale clause, wraparound mortgages, and other creative transaction structures, along with how property managers can use these tools to acquire more doors, help investors expand their portfolios, and even build their own. You'll Learn [00:09] Introduction to Creative Finance in Real Estate [01:01] Caleb Christopher's Entrepreneurial Journey [04:39] Understanding Subject To Deals [10:10] Opportunities for Property Management Business Owners [11:45] Navigating Legal Counsel in Creative Finance [14:17] Understanding Wraparound Mortgages [19:45] Creative Financing Structures [22:27] The Role of Creative Transaction Consulting [27:06] Building Relationships in Property Management Quotables "If you have a business and you don't know what to do with those opportunities, other people do, and you can get paid a referral fee." "The due on sale clause is always going to be a stone hanging over your head. You can't get rid of it." "Your low-interest mortgage is an asset I'm willing to buy." Resources DoorGrow and Scale Mastermind DoorGrow Academy DoorGrow on YouTube DoorGrowClub DoorGrowLive Transcript Jason Hull (00:01) Five, four, three, two, one. All right, welcome everybody. I'm Jason Hull, the founder and CEO of DoorGrow, the world's leading and most comprehensive coaching and consulting firm for long-term residential property management entrepreneurs. For over a decade and a half, we have brought innovative strategies and optimization to the property management industry. At DoorGrow, we are on a mission to transform property management business owners and their businesses. We want to transform the industry, eliminate the BS, build awareness,   change perception, expand the market, and help the best property management entrepreneurs win. Now, let's get into the show. All right, so in today's episode, I'm hanging out here with Caleb Christopher. Welcome, Caleb. And we're gonna be chatting about creative finance and what it really looks like in today's real estate market. And Caleb's gonna share practical insights from his time in the industry, breaking down strategies like Sub 2, Subject 2 Deals.   Caleb Christopher (00:46) All right, thank you.   Jason Hull (01:01) the due on sale clause, wrap around mortgages and other creative transaction structures to give a helpful real world perspective for anyone looking to get started in creative finance. for property managers, know creative finance is how you help your investors get into more units and they all want to manage more units. So cool. Welcome Caleb.   Caleb Christopher (01:24) Thank you. I live creative finance, so ask in any direction.   Jason Hull (01:26) So, yeah, it's your   thing. Yeah, yeah, you live it. It's your middle name, right? Yeah. So Caleb was showing me he has paint on his arm from right, like, I don't know where he, yeah, he's been doing some stuff. He's like legit into the work. He's got rental properties. So he's down in the, in the paint. So Caleb, give us a little bit of background on yourself.   Caleb Christopher (01:32) Yeah.   Yeah. I've got rental properties.   Jason Hull (01:51) at kind of your, how did you get into doing what you're doing now? What's sort of your entrepreneurial journey for the entrepreneurs listening?   Caleb Christopher (01:58) Yeah, so entrepreneurship has gone way back for me. What, I'm 38 now? I'm almost 39. 39 feels a lot closer to 40 than 38, by the way. ⁓ As an entrepreneur, I'm like, wait, that's like one of those. Anyway, so.   Jason Hull (02:06) Yeah, yeah.   It's a milestone, yeah.   I'm a decade older than you. was born in 77. So I'm feeling even older now. Keep going.   Caleb Christopher (02:18) Okay.   You look fantastic.   So entrepreneurship in fifth grade, I found these mechanical pencils that would come apart in the middle and they were different colors. And I bought them in bulk at Costco and resold them to my classmates in whatever color combinations they want. Mates started making money. I was like, this is kind of cool. And I like customizing stuff. So that was cool. And then a bunch of little stuff like that. And it ended up where I ran a paintball field out of my parents' house in the woods. I liked working. like work as my hobby.   Jason Hull (02:23) Thank   Yeah. Okay.   Yes.   Caleb Christopher (02:48) but also paintball. I've got a 12 year old, we're building a paintball course in my, at my house now, cause he's just starting to get into it. So, but I did that and I bought rental gear and I funded my paintball journeys by having other people rent from me. And so that was that. And then I got into IT and cybersecurity consulting. So entrepreneurship has been a thing where I'm just always adding value, always had a second job, some, some other gig where I like to help do creative problem solving.   Jason Hull (02:48) Yeah, fun.   Yeah, good time.   Nice.   Yeah.   Caleb Christopher (03:15) And then I discovered real estate when I couldn't sell my house. The one I'm in right now was right next door to family, which was great, but I couldn't sell the one I was in. And so I had to rent it out and I became an accidental landlord and refinanced the property. And then I read Rich Dad Poor Dad and I was like, thank God I have a rental property. And that was the beginning of the real estate journey.   Jason Hull (03:27) Yeah.   Right, right. And everybody, you have to read Rich Dad Poor Dad. I think it's a requirement. And then you want to get out of the rat race and yeah, yeah. We would play.   Caleb Christopher (03:41) Yeah.   Yeah. Start building wealth. Just   treat, treat houses like a retirement account. Slow building. Even if you don't do anything else, if you get a few rentals, you're in a pretty good shape.   Jason Hull (03:56) Yeah. Have you seen Robert Kiyosaki's game, the board game? Yeah, probably. Maybe it does all the math for you. ⁓ yeah. We did it the hard way and I would just make my wife do the math. I'm like, go ahead, Sarah. You do this. She's like, she likes it. She thinks that part's fun. Yeah. Right. That's why she's the COO and not me.   Caleb Christopher (03:59) Yeah. It's easier to play online than it is the board game.   It does. Then you don't have all the little cards handing back and forth. So yeah, I highly recommend just running a private game on a computer.   Okay, what a blessing.   Jason Hull (04:25) All right, so cool. Well, let's get into this. Let's get in this topic. So tell us about the first thing mentioned in the intro was like the subject two deals, like this strategy.   Caleb Christopher (04:39) Yes, so sub 2 is when you take a property subject to something else. It could be a federal IRS lien. It could be the person's mortgage. It's always, by the way, everybody does sub 2 deals and they just haven't thought of it this way. When a utility company comes to dig up a chunk of your yard and you can't say something about it, that's because you bought it subject to easements, rights of way, etc. So...   Jason Hull (04:52) Okay.   Yeah, easements.   Caleb Christopher (05:04) There are external things that can act upon you or your property because you bought the property subject to them. What we do in subject to deals is we add the loan to the list of things taken subject to. So if the mortgage company notices that you sold a house to me without paying off the mortgage, right? The deed transfers to me and I'm making your payments now. That's a sub two. ⁓ if they notice and if they care, they can accelerate that loan because of the due on sale clause. So kind of two birds with one stone with this description. It exists in every.   Jason Hull (05:24) Yeah.   Yeah, doesn't that void most loans or?   Caleb Christopher (05:34) loan I've ever seen. Maybe not in a seller finance loan if you explicitly exclude it. It's not required, but a due on sale is a good protection for a lender to have because if you transfer and if they care, they can accelerate. It doesn't require them to. They can.   Jason Hull (05:36) Right.   but they can and   some terms in loans I believe also if you if it switches ownership, they it says it maybe negates the terms of the agreement or.   Caleb Christopher (05:59) Nope, it doesn't cancel anything else. it's, and a lot of people are like, is sub two illegal? No, it's not illegal. Here's when it is illegal. If I'm borrowing with the intent to hand it to somebody else, the deed, it was never my intention to occupy the property or to satisfy the requirements. And I'm misrepresenting or providing materially false information. That's fraud and that's illegal. However,   Jason Hull (06:04) Thank   Okay.   Okay.   Caleb Christopher (06:24) If I buy the house and I move into it as my primary residence or whatever the occupancy requirements are, and then I decide later on to sell it subject to the mortgage, I can do that. And that's a violation, a civil violation of the mortgage contract, which says if you transfer without paying us off or without our permission, we can accelerate the loan. But it's a defined default and a defined remedy.   Jason Hull (06:42) I see.   So I had a client and what he was doing is he was helping facilitate deals and his way of kind of getting around stuff was he would set up a trust. He would place the business, the current owner of the property as, you know, as one of the members of that trust. So they still had that person in place. They would just decrease their ownership stake through the trust, right? So.   Caleb Christopher (07:07) Still technically a violation of the due on sale clause. Some people think Garn St. Germain Act protects an investor like all trust acquisitions from a due on sale, which is not true. By the way, a little more background. I'm very technical. read laws and rules and court cases. so if anybody's got a, I'm giving you a real technical answer here, not an attorney though. The Garn St. Germain Act protects family transfers, but not an investor purchase, even if you leave the seller as a partial owner. Technically it's still a violation.   Jason Hull (07:16) Yeah. Yeah.   I love it.   Mm-hmm.   Got it.   Yeah.   Caleb Christopher (07:36) but it's less likely they'll notice.   Jason Hull (07:38) I see the sub two guys, Pace Morby or whatever his name is. And I just see a lot of people saying, this is illegal or you can't do this. And people come after him all the time. And I don't know. I don't know what. I'm not as technical maybe as you. So I don't know. What's your take on that?   Caleb Christopher (07:54) It's absolutely not illegal. It's illegal to misrepresent something at any time, but there's no duty or compunction in the contract for me to notify you as my lender that I've transferred the property. Even if there was, that would just be another violation of the mortgage contract and not something criminal.   Jason Hull (08:05) Got it.   Got it, okay, right. You're not going to jail over it, but okay. So if you're doing the subject two or if like some of the property management business owners listening are wanting to maybe take over the ownership of some of the rental properties that they're.   Caleb Christopher (08:23) Yeah, dude.   Can I say that is, think, the number one opportunity for a property management company owner is you can either do acquisitions for yourself by taking over tired landlords' properties. My goodness. Hey, are you tired of this property? I'll take the deed. I'll pay you X cash and I'll just take over the payments. Huge opportunity. Also playing middleman, if you know sub 2 investors. If you've got tired landlords, you have an opportunity.   Jason Hull (08:30) Yes.   Hmm.   Caleb Christopher (08:51) You can be the buyer or you can be the middleman who finds the buyers who are willing to take those over. And if it's older debt with a lower interest rate, I'm telling you, I will pay more for that property than I will for to get a new, the same property with a new loan.   Jason Hull (08:56) Right.   Yes, yeah. So, I mean, really, the smartest thing a property management business owner can do is build up their own portfolio, right. And rather than just helping everybody else build up theirs. And we've got a client and he I think he has like he has two, three hundred doors in his business. He owns all of them. He basically just uses his property management business as a honeypot. People come to him, say, hey, I need management. And then he he said, well, let's take a look at your property situation.   And then he's like, yeah, well, if you sell this, you're going to have all these taxes and all these issues. And man, if only there was a way you could still get paid on this, but avoid that. And then he convinces them to do seller financing without telling him it's seller financing, sort of. Right. And so then he like just takes over the ownership and he keeps paying them to pay them off. And so he's got this really sizable portfolio. And during the, when the   Caleb Christopher (09:37) Hmm.   Jason Hull (09:56) If the market shifts a certain way, he's taking on millions of dollars in assets pretty easily, you know, having these conversations. And so, yeah, I think there's definitely an opportunity for property management business owners to be paying attention to this. Is there anything else you would want to say about subject two that maybe they should be aware of or?   Caleb Christopher (10:10) Yes.   I mean, there's plenty of discussions to be had when you get down into the details. Knowing what it is is the first stage. I would just remind back on this last point, if you have a business and you don't know what to do with those opportunities, other people do and you can get paid a referral fee. So don't sit on the fact that you've got tired landlords. Send out a survey and like, if somebody came to you with an offer today, would you sell?   Jason Hull (10:17) .   Right. Yeah. And the thing is, as a property manager, they have this, they have several advantages, but one, they know the market, they know which properties would cashflow the best, they know what they could rent for. They're connected to real world reality, unlike a lot of real estate agents in the market when it comes to rentals. And they have a large portfolio of owners. So if one owner is like, want to sell, they've got a whole bunch of others. They could say, Hey, do you want this? So they could do that middleman thing that you were talking about.   Okay. Love it. think it's, it's just smart. And, it sounds like the biggest challenge would be the, the sound like the, sounds like the most difficult piece of this would be, how do I get really solid legal counsel for making sure that this is done or structured the right way? Or we keep the loan intact.   Caleb Christopher (11:06) That's it. We're done with the episode. That's the main point.   Excellent.   Yeah. So one thing, the due on sale clause is always going to be a stone hanging over your head. You can't get rid of it. And if you can't take that heat, you got to stay out of the kitchen, basically. That said, I have resolved due on sale on consumer loans, not DSCR. I've resolved due on sale with consumer slash investment property loans for the individual buyer borrower. But where was I going with that?   Jason Hull (11:30) Yeah.   How did you solve   this? Is this like a trade secret or can you share with the audience?   Caleb Christopher (11:48) Nah,   so the broad strokes are pretty obvious. It's the details that kill you. it's basically, if I bought your house subject to, and they accelerate the loan, then I'm going to try to call them and negotiate them away off the cliff, right? Like, hey, I'm making the payments. What's really the problem? Can I assume this? What options do we have? If they're inflexible, the bigger banks, then I'm going to have to go with technical compliance, which is I'm going to deed the property back to you.   Jason Hull (11:54) Yeah.   Caleb Christopher (12:15) And then we just get into this whole thing like, yeah, but what if I deed it to you and you don't sign the next document back to me to let me continue like a master lease where I keep all the profits or whatever we want to call it. Ideally, we just restructure the transaction with paperwork that's either less visible or completely acceptable to the lender.   Jason Hull (12:31) Got it. So this is just a conversation with the lender, basically, hey, this is what's happening. How do we make this work? So everybody's happy.   Caleb Christopher (12:37) and the bigger banks will not tell you how   to make it work. They'll just require you to show evidence that ID to the property back to you. But that's only one part of the puzzle, because we still need to restructure the transaction internally.   Jason Hull (12:44) I see. Okay.   Right. So then it's between you and the homeowner. Yeah. Got it. And there's just making a a deal where they're making your there's money being exchanged, even though the legal technical ownership hasn't really shifted.   Caleb Christopher (13:04) Right. There's a paperwork dance around any obstacle. Now you asked about legal counsel. Lawyers are good at saying no. I'm not going to discourage. Here's my law degree right here. I don't have one. So yes, I'm never going to discourage somebody from getting an attorney involved. My concern is a lot of times they don't have the direct experience on these types of deals. And when they see risk, they say no. ⁓   Jason Hull (13:10) Right. That's their default. Right. It looks just like mine.   Yeah.   Yeah.   That's the safest   thing for them to do.   Caleb Christopher (13:30) That's right. And when I go to an attorney, I'm like, I'm not, I'm paying you to tell me how not tell me no.   Jason Hull (13:37) Right. The pre-frame with attorneys is everything. I say the similar thing. You don't go to the attorney and say, hey, how can I get out of this horrible contract with this franchise I'm in, for example? It's this is what I want to do. What's the best way to do this? I'm going to do it. Yeah. So you give them the right pre-frame.   Caleb Christopher (13:49) Figure out how. Well, you can't because there's this risk.   And I'm like, yeah, there is risk. I need to accept a few risks here because let's be outcomes oriented. And if you can coach an attorney to be outcomes oriented before you start spending a bunch of money on them, then great. That said, I've had a hard enough time finding that in every state. that's why entrepreneurial, I started Creative TC, which is transaction consulting, because I've been there and I've done that with dozens of deals per month for the last four years next.   Jason Hull (13:59) Yes.   Yes.   Caleb Christopher (14:17) in a couple of weeks here. we've touched literally thousands of these deals. We've seen them up, down, left, right, sideways and back.   Jason Hull (14:18) Got it.   Yeah, so the short answer is call Caleb. Yeah, okay, cool. So the next thing is like, we talked about the do on sale clause a bit. I don't know if there's anything else to mention on that. And then we can go into wraparound mortgages.   Caleb Christopher (14:27) Yeah.   Yeah, I love it.   Jason Hull (14:40) I'm not familiar with wraparound mortgages.   Caleb Christopher (14:42) Okay, it's like you ever go to Chipotle and they make that big fat burrito? What if they put a second tortilla around it?   Jason Hull (14:47) yeah.   then it's way less likely to break open.   Caleb Christopher (14:53) Very good. Very good. I think there's a lot of good analogies here with wraparound mortgages. So mortgage is a contract that says, by the way, a lot of people get this backwards, a mortgage, you give the bank a mortgage, they gave you a loan. It's not the other way around. So when you give the bank a mortgage, you're saying, hey, in exchange for this $500,000, you can foreclose if I don't pay it. That's the mortgage. It gives them the right to foreclose. We want to do that to be ethical.   If I bought your house subject to the existing mortgage, ideally we would do something called a mirror wrap. Now, if you had equity and you wanted to finance me a larger dollar amount than what you owe, can change that. But a mirror wrap says, hey, here's the existing loan. We're putting another one around it. That way you can foreclose on me for non-payment, just like the bank can foreclose on you. So if I don't make your payments, you can still pay your payments so that your loan is in good standing and they can't foreclose on you. But   Jason Hull (15:33) Thank   Caleb Christopher (15:47) when I'm not making payments, you can foreclose on me. So a mortgage basically just says, you have the right to foreclose on somebody for violating the terms of the mortgage.   Jason Hull (15:58) Yeah, okay, clever.   Caleb Christopher (15:59) as opposed   to a naked sub 2. Like if I just took the deed and said, I'll make your payments. Cool, but yeah, yeah. It's like, but wouldn't you like the ability to foreclose if I don't? That's a wraparound mortgage.   Jason Hull (16:04) Yeah, cool. If I really trust you, but trust the verify, right? So.   Right, yeah, like worst case scenario,   it's like, you know, just like getting into a relationship pre-nup, post-nup, like making sure there's, like if things go bad, which nobody plans on, it's not gonna be as bad. Yeah.   Caleb Christopher (16:25) Right. It's a stop   loss, right? It will cost you money to foreclose on me, but your credit's on the line, so you can still protect it to some degree.   Jason Hull (16:34) Okay, yeah, cool. I like it. And I would imagine the owners like this too. Everybody likes this. This makes everybody feel safer.   Caleb Christopher (16:42) Yes, so that's one aspect is it's the safe legal ethical way to do it. The other piece is that you can use if I've got a 4 % interest mortgage. Actually, I've got one that's a 3.625 a sub 2 in Colorado. If I sold this to a new buyer right now on seller finance, I would give them a wraparound mortgage. But what would I be doing? Would I pass that 3.625 to them?   Jason Hull (16:46) huh.   Mm-hmm.   Well, no, you get a cut, right? Yeah.   Caleb Christopher (17:07) I would rather mark it up to 8 %   or seven or so, whatever's practical today. So I can keep the difference. can arbitrage the interest rate. So wraparound mortgages work not only for the ability to foreclose on a non-payer, but you can also increase either the total amount financed or the rate or both. And so wraparound mortgages can be used to transfer as a profit mechanism as well. And when you own the house that I sold you, I don't have to fix your toilet. You just have to pay me every month.   Jason Hull (17:36) Right, so in the case of the audience here, like property management business owner, they don't want to, like they could take over the property themselves, but they could also facilitate the deal and for the new owner, it's a higher percentage and they're just keeping the difference.   Caleb Christopher (17:41) Mm-hmm.   Sometimes you've got a tenant who has lived in a property for five years and they're a great tenant. You like, you want to help them out, but they can't seem to get a loan. It's like, all right, well, I'll let you make payments on this one. I don't like rent to own. Not the same because that's up your, you're conveying interest to them monthly. It's a convoluted mess. I would rather do a straight seller finance like this, where we do a wraparound mortgage and I'll bump the rate and you're going to pay me a premium, but you're going to get ownership.   Jason Hull (18:04) Yes.   Yeah, got it. Okay. Yeah, that's a healthier, safer way.   Caleb Christopher (18:20) And now I don't have to replace light   bulbs or fix toilets or repair the roof or whatever else goes on the plate.   Jason Hull (18:27) Unless you're the manager and you get paid to do that.   Caleb Christopher (18:30) What? It moves out of property management at that point if it becomes a seller finance. Yeah, they're the owner now.   Jason Hull (18:33) because somebody's buying it. They're not renting.   Got it. Yeah. OK, cool. Yeah, I like this idea, the wraparound mortgage. OK. Are there other types of wraparound mortgages? Is that the main thing?   Caleb Christopher (18:45) Now they're specific to your situation like what's best for you and what state you're in etc. I just had a conversation with somebody who used up all their available cash to get rent properties. Right, so they got three or four rentals, but they've got no cash left and they've got good interest rates and I said you could sell those on wraps and increase your cash flow every month and get a down payment from somebody and she was like what?   Jason Hull (18:48) Yeah.   ⁓   Caleb Christopher (19:12) I said, you want capital to do the next deal, right? Yeah. Okay.   Jason Hull (19:12) yeah. Right, so yeah, because that low interest rate is an advantage. So it's kind of sellable.   Caleb Christopher (19:20) It is and you can make a monthly bump.   Yes, it is your low interest loan. By the way, I just say this to people. Your low interest mortgage is an asset I'm willing to buy. The same house is worth more money to me with a low interest rate than I'll buy sub two. Then it is just on the market on average.   Jason Hull (19:29) No.   Okay.   Yeah, that's clever. Yeah, okay. Got it. Very cool. All right, so other creative structures.   any others.   Caleb Christopher (19:46) Yeah, so contract for deed or land contract, it's a seller, it's a type of seller finance. If I'm the seller, I like it because I hold legal title. And if I hold legal title, you can't place additional liens. Yeah, so I don't want you placing solar liens without my permission or water softener liens or a HELOC on top of whatever current balance is. So if I, if I sell to you on a wraparound mortgage, you have the full deed, legal title and everything.   Jason Hull (19:53) Okay.   Yeah.   Yeah.   Caleb Christopher (20:15) and you can place additional liens. You can use this property as security for other loans. I really don't want that complication in case I do have to foreclose and maybe take the property back if I bid what's owed. I don't want it coming back to me with an extra three liens or $40,000 worth of debt. So contract for deed is pretty ideal because I hold legal title, you get equitable title. And it's same seller finance term, same wraparound concept like markup interest rate and monthly payments and stuff.   Jason Hull (20:41) Got it, okay, very cool. These are fun little vehicles. There's like these magic little tool sets that you've got in your toolbox. Any others?   Caleb Christopher (20:48) I I like the master lease concept where it's like a sub 2, right? I'll make sure all your bills get paid, but I keep everything that comes back on top. I take it off your plate. I agree formally to cover any expenses related to the property, et cetera, but we're going to do it like a master lease with an option to purchase.   Jason Hull (20:59) Okay.   Thank   Caleb Christopher (21:10) If you're scared of due on sale, or if you've got a DSCR loan that will not tolerate a contract for deed or a trust acquisition or a full on sub two, we can do this custom master lease, which replicates all the parts and pieces effectively without violating that due on sale clause.   Jason Hull (21:28) Okay. And I know property managers sometimes are talking about things like, know, they want to get their investors into more property, right? So they're talking about things like maybe doing a 1031 exchange to get into a bigger property maybe, or doing cash out refinance to pull equity out to get into a next unit or next property. You know, these type of vehicles. But these additional tools you...   Caleb Christopher (21:35) Mm-hmm.   Mm-hmm.   Jason Hull (21:54) chat about today I think are very fascinating. I don't think a lot of them I haven't heard them talk about.   Caleb Christopher (21:58) Yeah,   mean, awareness is the big thing, right? You need to be aware that you can do some of these things, and then you find the person who can help structure it specifically for your scenario. But I see a lot of people who are like, I'm going to do a creative deal. And it's like, on what, though?   Jason Hull (22:12) Yeah.   Got it. Okay. So, I don't know if there's anything else we're missing or that you wanted to cover, but I think then the next question would be how, where do you fit into this? Cause you have a business that facilitates this or helps with this.   Caleb Christopher (22:27) Yeah. So I started Creative TC four years ago and this creative transaction consulting so that we could help make these deals safe, legal and ethical. You can imagine that it's pretty easy to do somebody dirty, whether you mean to or not, with these arrangements when somebody's credits on the line, they're convoluted. And so you need a guiding light. You need somebody to hold your hand, maybe be a lighthouse so you don't crash on the rocks. That's what Creative TC is. And so we consult on these deals nationwide to help people do them safely.   Jason Hull (22:35) Okay.   yeah.   Okay.   Caleb Christopher (22:56) And then I started Creative Title this last year to fill a void in the state of Colorado where a bunch of companies were pulling out of creative deals.   Jason Hull (23:04) Yeah, got it. So yeah, I get it. Yeah. And I'm sure a lot of times it's not even the, it's, everybody has good intentions, maybe from the very beginning. But when, as soon as something gets weird or sticky or confusing or challenging, then somebody's like, feels like somebody else is being unethical or do them dirty or whatever, or we don't have a, we don't have an exit path or we don't have a clear delineation of, you know, that makes everybody feel comfortable where we can split ways or part ways. so.   Caleb Christopher (23:12) Yeah.   Money's on the line.   Jason Hull (23:32) Yeah, having something structured right from the beginning, they say an ounce of prevention is worth a pound of care, right? And a lot of times I, when talking with my clients, because, know, in property management, have lease contracts, lease agreements, have the agreements or contracts they have with the owners for taking over the management of the property. And I, what I usually say to them is those are nice, but those usually only matter if you use them incorrectly. They only matter when you're at war.   Caleb Christopher (23:35) yeah. Yep. 100%.   Yes. ⁓   Jason Hull (24:03) It only matter when you're there.   So, but if you proactively review the agreements with them and go through it with them and help them understand it, it's then an onboarding tool and it helps set the frame of the relationship and it helps everybody understand. And because it doesn't matter what's written in agreement until you're at war. But before then, what matters is what they think is written in that agreement. And so making sure that you go over things with them to make sure they understand this is paramount. And that like makes like,   Caleb Christopher (24:13) Yes.   I need, I need this as   a sound clip for my team because this is how I train my team as well. I just need it from somebody else because it sounds better coming from not me. ⁓ it's expectations management is absolutely essential, especially in creative finance deals where I'm making your payments, your credits on the line. If I don't make your payments, it hurts your credit score and can cause a foreclosure. The buyer and seller need to have that conversation. And sometimes it requires a third party to help facilitate. Hey, here's what happens.   Jason Hull (24:32) in a relationship.   Right, so you can use that.   Yeah.   Caleb Christopher (24:59) Here's how to manage those expectations. Let's look at this. We're not just signing disclosures just because they're legally required or suggested, but we want to have a meaningful conversation and talk through the stuff so that everybody's on the same page because if the due on sale clause comes knocking, we need to be on the same team.   Jason Hull (25:14) Yeah, yeah. So my wife and I got married in Mexico because that's we wanted to get married there. And usually what people will do is they'll just do it legally in the US, but they'll do it symbolically in Mexico. And Sarah's like, no, let's let's do both there. Let's do it. And they make you list out your assets. It's almost like they're like proactively making everyone have a prenup, right? Now we already had a prenup. And then our lawyer was like, you also need to have a postnup. So we did that. And it's just like we know, like if   Caleb Christopher (25:34) Okay.   Jason Hull (25:42) for some reason there was a problem, like things went south, then it's not gonna be all out war, right? It's clear, you own this, I own this, this is how it works, this is how we part ways, here's how we split the business. And so everything, and this is what smart business owners do with their business when they get into business partnerships. And so without that,   And I think with your team, for example, the analogy that everybody understands is divorce, because 50 % of relationships in the US probably end that way. Everybody's been like maybe their parents or they've seen a family member or they've seen somebody go through this. And that's the epitome of not having a really solid planned out strategy from the beginning, because nobody was planning on this happening. But, know, an ounce of prevention is worth a pound of cure if you have that dialed in, they're not spending.   Caleb Christopher (26:10) Hmm.   Jason Hull (26:26) $20,000 in legal fees where only the attorneys are winning and you know, and then you're losing a bunch of stuff and this was yours and they didn't contribute to this, but now you have to give them half and all this kind of stuff. so, yeah, and so you help them kind of make both parties and everybody involved feel comfortable and then you get paid a consulting fee for doing handling this. Cool, very cool.   Cool, so I would imagine there might be some property managers listening to this. Any final words you'd like to say to them and how can they get in touch with you if they would like to help you facilitate some of stuff they're working on?   Caleb Christopher (27:06) I think the value of a property manager or a realtor is very much in who they know that's vetted. Okay. A realtor, it's like, I know a foundation guy. I know a roof guy. I know a flooring guy, right? That's what I'm paying you for. Not just your commission to take photos and have some conversations. I want to know who knows who you know, you can validate. The same thing is true for property managers. I got a repair guy, very consistent. I've got three different plumbers. If it's this type, I know this guy's got the best rates. That's what I want you to know.   when you're my property manager, that's what I'm paying you for. The same thing is true now with Creative Finance. It's like, hey, I know a guy that's an expert that has 255 star reviews at what they do. They only do this thing and they do it really well. So if you want to buy or sell Creative Finance, let me call Caleb. I'm that guy.   Jason Hull (27:53) Yeah, mean, a lot of the best property management business owners are viewed by their clients as an investment expert or advisor. And the best investment people or advisors have a whole toolset of people in their back pocket, whether it's trust attorneys or somebody like Caleb, right? They have all these different resources, maybe lenders, you know.   They have all these different resources available to facilitate deals. And that's how some property managers are able to help their clients get into more property and have more deals to manage. Or like we talked about at the outset, even better, how to get more ownership stake over all the properties that you're managing and build up your own portfolio and your own wealth.   Caleb Christopher (28:37) Yeah, because I should be able to call my property manager and say, who's good at DSCRE finances in your area? Who do you like? I don't know. Okay. Maybe be a little more helpful.   Jason Hull (28:44) Yeah. Yeah.   Yeah. Yeah, got it. All right. Awesome. Well, Caleb, I appreciate you coming here on the door grow show. How can people get in touch with you?   Caleb Christopher (28:57) right. The easiest way, because I own multiple companies, calebchristopher.io. That's got links to Creative TC for the consulting, Dosgard to fix due on sale, and Creative Title Company in Colorado and Tennessee.   Jason Hull (29:09) Perfect, awesome. Hey, thanks for being on the DoorGrow show. All right, for those watching this, if you're listening, if you've ever felt stuck or stagnant and you wanna take your property management business to the next level, reach out to us at doorgrow.com for free training on how to get unlimited free leads. Text the word leads to 512-648-4608. Also join our free Facebook community just for property management business owners by going to doorgrowclub.com. And if you want tips, tricks, ideas,   Caleb Christopher (29:12) It's been a pleasure.   Jason Hull (29:37) to learn about our offers at DoorGrow. Subscribe to our newsletter by going to doorgrow.com slash subscribe. And if you found this even a little bit helpful, don't forget to subscribe and leave us a review on whatever channel you found this on. We'd really appreciate it. And until next time, remember the slowest path to growth is to do it alone. So let's grow together. Bye everyone.

This week's episode has a little bit of everything—local politics, a suspicious number of Star Trek–named kittens, some genuinely cool green tech, and a short story that hits you with an existential haymaker. Real Life  Devon's in a "life is… fine" zone, which is either stability or the calm before chaos—we'll let you decide. That leads into a surprisingly interesting question: does a mayor's party affiliation actually matter at the local level? Texas elections are happening right now, and it sparks a broader conversation about how much politics really trickles down into day-to-day governance. Also on the home front: kids' birthday parties, which are somehow both joyful and mildly exhausting. Ben has fully entered his foster-dad era—but for kittens. A whole crew of them: Kirk, Picard, Sisko, Janeway, Archer, and their mom Majel. He claims he didn't name them, which statistically feels unlikely. Either way, it's a Starfleet-grade lineup. Meanwhile, Devon's household remains firmly anti-new-pet, so don't expect a crossover episode there. We also touch on For All Mankind, and then pivot into the upcoming Legend of Aang: The Last Airbender film—specifically the leaks, early reactions, and what happens when studios lose control of the narrative before release. There's some real-world legal tension brewing there. Steven… well, Steven exists this week. (You'll hear it.)   Future or Now  Devon brings in a heavy one: reports that the independent board overseeing the National Science Foundation has been abruptly dismissed, raising serious concerns about political interference in scientific research and long-term innovation. You can read more here:  https://www.theguardian.com/us-news/2026/apr/28/trump-fires-national-science-foundation-board  https://www.independent.co.uk/news/world/americas/us-politics/trump-fired-national-science-foundation-board-b2965242.html  This isn't just bureaucratic reshuffling—it could have real downstream effects on funding, research priorities, and scientific independence. Ben tries to balance things out with something genuinely cool: Mosscrete. https://gorespyre.com/  It's a bioreceptive concrete designed to grow moss directly on buildings using nothing but rain and humidity. No irrigation, no maintenance-heavy systems—just passive, living architecture. It's one of those ideas that feels obvious in hindsight but actually takes some clever engineering to pull off. This whole topic also dredges up a deep memory: Bill Nye's moss-and-milk experiment. If you know, you know. If you don't, you probably just learned something slightly unsettling about childhood science videos. Steven is present in this segment as well. Technically.   Book Club Next Week: Saint Zero of the Hollows and the Eagle Knight by V.M. Ayala https://www.lightspeedmagazine.com/fiction/saint-zero-of-the-hollows-and-the-eagle-knight/  "The only sound Zero heard in their helmet was their own hyperventilating and the gentle pings from their pegasus." That line alone is doing a lot of work. We're excited for this one. This Week: Learning To Be Me by Greg Egan http://thetafiction.com/story/learning-to-be-me/  "I was six years old when my parents told me that there was a small, dark jewel inside my skull, learning to be me." This story landed hard for all of us. It follows a life from childhood to adulthood in a way that feels deceptively simple—until it isn't. The structure does a ton of heavy lifting, and the twist is the kind that makes you immediately want to reread it. We get into some big ideas here, especially panpsychism—the notion that consciousness might be a fundamental property of the universe rather than something that just "emerges." It's one of those discussions that starts philosophical and ends slightly unsettling. If you like episodes that bounce between grounded real life, big-picture science, and brain-bending fiction, this one's for you.  

Step into a creative and inspiring episode of the Wise_N_Nerdy podcast as Joe is joined by author Jared Abram Barneck for a conversation that blends storytelling, fandom, and real-life creative journeys. The episode begins with a behind-the-scenes look at the making of Jared's book Technically Magic, with Joe sharing his experience as a beta reader. Their discussion offers a unique glimpse into the writing process—highlighting the collaboration, trust, and refinement that go into bringing a story to life. It's a fascinating starting point for anyone curious about what happens before a book ever reaches readers. From there, the Question of the Week sets the stage: “What is your favorite book to movie adaptation?” The conversation quickly turns into a celebration of beloved stories that successfully made the leap to the big screen. Classics like The Lord of the Rings and Harry Potter come up as shining examples of adaptations done right, sparking nostalgia and thoughtful discussion about what makes a story work across different mediums. With the roll of the dice, the episode shifts into the “Parliament of Papas” segment, where Joe and Jared unpack a Reddit story involving harsh criticism directed at a new author. Drawing from Jared's own experience, the conversation explores the fine line between constructive feedback and discouraging negativity—offering valuable insight for creators navigating criticism in any field. Next, the dice lead into the “How Do I…?” segment, where Jared shares his personal journey into becoming an author. From early inspiration to taking the leap into publishing, his story is both practical and motivating for aspiring writers. For those interested in learning more about his work and creative projects, be sure to check out his website: jabrambarneck.com. Of course, no Wise_N_Nerdy episode would be complete without a burst of humor, and the hosts deliver with a round of Bad Dad Jokes that are as groan-worthy as they are entertaining—bringing levity to an already dynamic conversation. Finally, the episode wraps up with the “What Are You Nerding Out About?” segment, where Jared shares an unforgettable moment: being on a panel with Orson Scott Card, who even read the back cover of his book Fire Light. This leads naturally into a discussion of Ender's Game and its lasting impact on science fiction and storytelling. Meanwhile, Joe dives into his latest anime interest, Kusunoki's Garden of Gods, sparking a broader conversation about how anime continues to grow in popularity and become more mainstream across audiences. This episode is a celebration of creativity, perseverance, and the power of storytelling across books, film, and fandom. Whether you're an aspiring author, a lifelong nerd, or just someone who loves a great conversation, there's something here for you. So join the journey, embrace your passions, and don't forget to Find your FAMdom. Wise_N_Nerdy: Where Fatherhood Meets Fandom Learn more about your ad choices. Visit megaphone.fm/adchoices

Rachel Dashiell warns the S&P 500 may be nearing short‑term exhaustion as technical indicators like the ADX reach extreme levels. She highlights AppLovin (APP) as a potential rebound setup forming a double bottom, while CrowdStrike (CRWD) retests key breakout support near $445. Dashiell says both names could see further upside if support holds alongside improving expectations for enterprise I.T. spending.======== Schwab Network ========Empowering every investor and trader, every market day.Options involve risks and are not suitable for all investors. Before trading, read the Options Disclosure Document. http://bit.ly/2v9tH6DSubscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/About Schwab Network - https://schwabnetwork.com/about

Markets continue to hold up well, but momentum is beginning to slow as overbought conditions persist. While earnings expectations and money flows remain supportive, the near-term upside appears limited without a period of consolidation or a pullback. In today's pre-market update, we discuss why patience is critical here. With key economic data ahead and uncertainty around potential Fed leadership changes, markets may need time to reset before the next leg higher. Chasing this rally at current levels could expose investors to unnecessary short-term volatility. Technically, the setup is improving beneath the surface. The 20-DMA is rising and working back above longer-term moving averages, which can provide near-term support if markets hold current levels. However, a more attractive entry point likely comes with a pullback toward the 50- and 100-DMA support cluster. Despite geopolitical concerns, including tensions in the Strait of Hormuz, markets are focusing on forward earnings and longer-term expectations. The trend remains intact, but discipline is key as momentum slows and the market works through this phase. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO Produced by Brent Clanton, Executive Producer --- Watch the Video version of this report on our YouTube channel: https://youtu.be/0PkDug9qEys?si=DP1sskL3hOfVuD_C --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ --- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #InvestingStrategy #MarketOutlook #TechnicalAnalysis #FederalReserve

On this episode we're joined by Kaela Roeder. Kaela is the lead reporter in Washington D.C. and Virginia for Technical dot LY, a national news organization that reports on local innovation economies in the United States, a newsroom that has done so since 2009.Kaela has been with them for 2 years. Prior to that she's had a few different jobs, including one as deputy editor for Street Sense Media, covering homelessness in the DC/Baltimore region and LGBTQ issues for the Washington Blade.Kaela is a graduate of American University with a journalism degree where, among other things, she won an award for aspiring LGBTQ journalists.Kaela explained Technical.ly's purpose and the kind of stories she reports on. She shared how she learned on the fly so that she could cover this beat. And she detailed important things for young journalists to know as well as those she's recently learned that help in the job.Kaela's salute: Street Sense MediaKaela's LinkedIn- https://www.linkedin.com/in/kaela-roeder/Kaela's Instagram- https://www.instagram.com/kaelacoverstech/We also heard from Anita Pinto, filing her monthly update as advisor to The Gateway Times, the school newspaper at the Urban Assembly for Gateway Technology in Manhattan. This is done in conjunction with Press Pass NYC, a non-profit that helps advisors start journalism clubs and programs in schools that don't have them.Subscribe to our newsletter hereYou can find all our episode guides for teachers and professors here,Please support your local public radio station: adoptastation.orgThank you for listening. You can e-mail me at journalismsalute@gmail.comVisit our website: thejournalismsalute.org Mark's website (MarkSimonmedia.com)

Episode 29:  In this episode, Jim Ray sits down with digital marketing expert Bill Reynolds to break down the growing importance of ADA website compliance and the WCAG 2.1 guidelines. They discuss how new regulations impact businesses, especially those receiving government funding, and outline key deadlines for 2026 and 2027. Bill explains how accessibility goes beyond basic features, requiring structural and technical adjustments to ensure all users can navigate a website. The conversation highlights common compliance gaps, including PDFs, images, and user interface elements. They also explore the risks of non-compliance, including potential fines and legal exposure. Bill shares practical solutions, including ongoing monitoring and third-party validation tools to maintain compliance. Jim emphasizes the importance of proactive action rather than waiting until deadlines approach. The episode ultimately encourages business owners to treat accessibility as both a legal requirement and an opportunity to better serve their audiences. Jim Ray: Welcome to Grow for It. It's a podcast for small business owners, managers, and professionals. The goal is to give me a chance to work with the space between your ears on your mindset to help you focus on the things that really matter to your success. I want to enable you to concentrate on pursuing your vision, setting meaningful goals, and engaging in the day-to-day activities that will have the biggest impact.  Thanks for tuning in. I want to go ahead and introduce a friend of mine. This is Bill Reynolds. He is the founder and president of Element502. They're a digital marketing agency here in Louisville, although they work with clients all across the country, including several of mine and my website as well. Bill, thanks for coming in. Bill Reynolds: Hey, thanks for having me. Jim Ray: Well, I tell you what, a while back I got a flyer or saw some kind of information about a new ADA compliance issue that popped up that I knew was going to affect my clients, and you're kind of my go-to guy on this kind of stuff. So I asked you to come in and we wanted to talk about this. Back in 2024, the DOJ really kind of finalized though the Web Content Accessibility Guidelines WCAG 2.0, and this is Level AA, so it was like double secret probation stuff we're dealing with. Anyway, the biggest issue is right now a lot of people are exposed due to ADA non-compliance issues that potentially can lead to some serious fines coming up. But there are two different timeframes that we're going to be worrying about right now, the 2026 version, and then we'll talk a little bit more about the 2027, which is going to bring in people like me as a consultant, more service-based type professions in particular, a lot of law firms are eligible for this issue. So Bill, why don't we back up a little bit and kind of just talk about what is this Web Content Accessibility Guideline issue? Why is it here? Bill Reynolds: Sure. And the acronym is WCAG, so if you hear me say it, that's the very short term. Basically what the government came out with their guidelines was that your website needs to be ADA compliant and accessible just like your brick and mortar. So when you go to a new building, it's got ramps, it's got handicap accessible bathrooms, it's got counter height. There's all kinds of things about width of different doorways of aisleways, all these things. That's the accessibility so that everyone can access your building. Now, in older buildings, there's always a grandfather and there's some rules around it because again, it's not saying it's okay to make it inaccessible, but there's also a burden of cost, a burden of things. And so the government did the same thing for websites, and so they said, Hey, your website needs to be compliant. And you mentioned it, the 2026, it's April of 2026 is the deadline for anybody who basically, the simplest way is if you get money from the government, you need to be compliant. So that's going to be a lot of your healthcare, especially whenever you get Medicare, Medicaid, any of these government assistance programs that are in there. If you're housing and you get government assistance for housing and authority, if you are a school, municipality, public parks, any of these things, those all are supposed to be because they want to make sure that your website is accessible and easy to use just like your brick and mortar would be for any of your customers. Jim Ray: When you and I go to a website, I mean obviously we can see what's on the screen. We can dink around, we can click different things. We can fill out forms, but somebody that has some disabilities has some other challenges, may not be able to read it, may not be able to hear different things that are on there. So again, the ADA compliance issue is a great thing. I mean, it's really going to open up the web to a lot of people who up to now have struggled to some point. The good news is this is just one more layer that allows us to make sure that even structurally, it's not just the overlays that you have to worry about. This is something that actually gets into the coding and the structure, which is again, why I always use you as my go-to guide and say, Hey Bill, what are we dealing with here? Bill Reynolds: Yes. And because a lot of times you'll see, you'll go to a website and people just think like, oh, well it's for sight-impaired people, so they're going to use a screen reader. Well, that's just one of a whole litany of different disabilities as defined by the Department of Justice, as defined in this WCAG. One of them I always point out is even ADHD is covered in this WCAG. And so focus banners, all these things have to be in there. And it's not just the website itself, it's any content that you make available. So if you have PDF downloads, those have to be accessible by a screen reader and different things. And a lot of times the built-in print to PDF function, that's in a lot of our computers, whether it's on MAC or PC, where you can print as a PDF, it technically creates a PDF, but that PDF is not ADA compliant. It has too much extra information on it. There's some cleanup that has to happen in there for it to truly be compliant. And any piece of content that you serve from your website is covered just as much as the website. As far as this WCAG 2.0 compliance issue. Jim Ray: As I was reading through some of this, they were even talking about the images on the website. From an SEO standpoint, for years we've used data that kind of tells the internet, Hey, this is what this picture is. But a lot of people don't do that. So that alt image text, a lot of people still don't do that, but that is now being enforced under this compliance issue. So these are not simple fixes. I mean, they're not, oh my gosh, my website is completely wrong, but there are some things now that we need to as a society move forward to. And now the DOJ is going to be coming in saying, yeah, we're going to help you with that compliance issue and we're going to back it up with some fines. Bill Reynolds: Well, yeah, and I mean it goes to color contrast, layout, any kind of movement that's on your website or sound, those have to be able to be turned off, especially whenever we look for any kind of flashing or anything like that that turns into some of our compliance over flashing images, those kinds of things. All of these things are covered. And like you said, it's nothing that means that you usually, you don't have to tear the site down completely and rebuild depends on how old the technology is because some of these things we can go in behind it.  It's just kind of like digging a basement in the house. It's already there. You can do it. Jim Ray: Okay, it's doable, but it's probably not something you as an individual want to take on yourself. There are so many different layers and aspects to this.  Bill, you have a service. And that's another reason when I called you up to say, Hey, we share some clients together. And I said, are any of our clients going to be affected? And most importantly, it's my website going to be affected. And you said, actually, we already have a plan together for this. And that's where you explained to me what your capabilities are and I wanted to share that with the audience today. Would you walk us through what that is? Bill Reynolds: Sure. And I tell everybody the service we use is accessiBe. And if you want to try to go and do it yourself, you're welcome to. I don't hide any of it. What accessiBe does is it puts a script on your website. If you go to my website or any of the websites we protected, it's a little button down in the bottom right-hand corner. It's a little accessiBe guy. It's like a little stick figure guy. You can click on it. Inside of there, there's a whole lot of options on the website to be able to change it to where it's accessible for you. But the biggest thing that's important in there is the statement. It's the security statement at the top. Every month accessiBe scans the website and gives us a compliance statement that says that this website has been marked compliant, WCAG 2.1, it's a third party that does that verification for us, and they give you a certificate that's valid for every month. Now we scan it twice a month so that if there's any changes, and so this helps with any kind of content changes, new pages, new posts, maybe you're even putting up new PDFs, those kinds of things, it will catch those and flag those. It doesn't put that on the front of the website where it says, Hey, our website's compliant except for this. That's not what we put out there. But it does allow us to be able to be notified to be able to go in and make updates or changes to your site. Because once we put the script on, it runs for a couple of days on a new install, it runs for about five days. It's crawling through all the site. It's watching user interaction. It's doing all these things. At the end of that week, we log back in, it tells us, okay, here's what I can fix on my own, and this is it being the AI. Here's what it can fix on its own. Here's where it's going to need people, and then here's our verification that we have to have. So when we do that, now you're getting compliance 24/7. You've got a third party that's going to put their seal of approval on it and go. Now I've ran into, just as a heads up, and I tell you, accessiBe, because accessiBe is a company that we're partnered with. I use them all the time. I would highly recommend them, especially even if you're another company that's going to go out and do the exact same service, please use theirs because there are a lot of plugins or different add-ons that you can get off the web that will say they're "accessible." It is for accessibility for this. Well, that's just like me building my own ramp to get into my house and say, yeah, I'm accessible now. Well, that's not how that works. There's code. There's all these different rules to it. It's not just is there a ramp, it's how long, what's the rise? All these different things come into there, and that's just for a handicap ramp and you're supposed to get another certificate of inspection to be able to say that it was built correctly. So I can do it myself, but that doesn't make me compliant. And so I warned that because, and we did this the other day. I had a friend that had their website redone and she was talking to me and I was talking about this very thing. She said, oh, no, no, no, I remember you talking about that before. So I had my new company make sure that my site was compliant. And I said, well, let's just run it through my check. And so I ran it through the check. Big red X site is not compliant because their widget, they had just had very basic things on it. But it's almost like saying that you speak Spanish, but really all is how to say, my name is Jim and have a good day. Well, you're not a Spanish speaker or just running it through Google Translate. That's not a true experience. And so the same kind of thing whenever we're talking about a compliance, it's black and white. The judge is not, there's not a judge here to go, well, you tried really hard, Jim. It's a pass fail. That's it. And so there is no gray, there's nothing there. Jim Ray: Well, and Bill, I'm glad you said that because there are a lot of us who actually contribute content to client websites. So if you've got a vendor who's actually uploading something to your website, you don't know if they suddenly have caused an issue for you that you're not even aware of. Because again, every new piece that goes up has to pass this inspection, if you will, this compliance-proofing to make sure that hey, it qualifies that it meets the standards. So if you're someone like me, I want to go to my clients first of all and say, Hey, let's run a check. Let's see where we are and what we need to deal with. And I'm assuming it's going to flag individual issues that we might need to address. Or does it just say, no, the website's not compliant. Good luck. Bill Reynolds: It does. It does give individual. Now, full transparency, because I'm a partner vendor, my report has more detail on it than just, if you go to their site, you get the report, but it still tells you, here are all the different pieces that are there. And the other reason I recommend accessiBe is because I've seen this too. If you scan your website and your website is not compliant, accessiBe is going to send you a note and say, Hey, you should probably get this compliant. And here's our stuff. Honestly, when I first got into this several years ago, we did a search, found a vendor ran the site that had asked us for help with through their check. I get a phone call from their salesperson. I'm expecting to.  I said, I'm not really sure. We're still looking this out. And Jim, the guy, actually, this is a paraphrase, but it's really close. Wow. So you're not going to go with us. It sure would be a shame if somebody was to report your website as being noncompliant. And I said, well, hold on just a second. I asked him. I'm like, are you actually telling me you're trying to do a shakedown? If I don't sign your contract today, you're going to report us? Oh, no, no. That's not what I'm saying. I'm just saying it sure would be a shame if that was to happen. That's not these accessiBe people. They are truly a diverse population of folks with all kinds of different abilities across the board that believe in making the internet accessible for everybody. So it's a mission and a passion for them, not just a check and a compliance. Jim Ray: Fantastic. Well, Bill, let me ask you this. If somebody's watching this or listening to this, if they're listening to the audio version, what is the best way for them to engage with Element502 and have you all at least run this screen? Bill Reynolds: Oh, sure. So the PDFs that are on the table here that we have, we'll make those available through the podcast. You'll be able to get ahold of those. It's got our contact information on there. Reach out to me at Element502.com. There's a Contact Us. Just tell us that you need to have an ADA compliance check. There's no cost to that. I'll run it, I'll put it through. Or you can go to accessiBe and go through theirs. They will gate all that content and make sure that you sign up to be able to get an email and some other emails from them. But that's their first part. And then from that, then we can say, okay, here's where you're looking at and where you're going. Our costing on this, it's pretty affordable, Jim. We start at $500 just to do the install of the widget… Jim Ray: But the scan's free? Bill Reynolds: The scan is free, correct. But if you say, Hey, I want to use you. It's $500 for us to install the widget to get it on there, we run it through. Barring anything that's major that would require a big rebuild of part of the site will give you that list back. That's usually covered under the $500 that's in there because a lot of it, the widget's going to be able to do. And in an ongoing basis, we're going to be able to quickly go in because we build websites all day. That's something that we can do better. And then we do $50 a month for the monitoring. And with that $50, that's us keeping your license alive with accessiBe. It's running the compliance. We're watching for the reports coming out because it tells us if anything falls out of compliance and then be able to alert you and say, Hey, here's something that we can do or we need to charge for this. But all that's agreed upon upfront. We don't like surprise bills, anything like that. And this is not a shakedown from us to try to get more money or to back channel anything. It's just simply as the rules change, as this compliance changes, as all these things are there and more and more content shows up, we're just trying to keep you safe. Jim Ray: And guys, I've worked with Bill for many years. Again, he does my website, but I've brought in numerous clients that I've worked with over the years. I've been doing this for about 20 years, and Bill's team is very easy to work with. I'm not saying he's the only one out there that can do it, but I mean, I trust Bill because I've used him over and over and over, and he already had a program like this up and going when I just barely learned about the idea and said, Hey Bill, should we have a conversation for our clients? And they were already on it. I mean very, very professionally run organization. Bill, congratulations. And it's just one of those things that it's not just a nice to do. This is a need to do. Again, the DOJ is putting fines and they are going to be putting some other enforcement behind this. So you really want to be careful. So again, we are talking about the WCAG 2.1, Level AA issue that's out there in 2026, right now there's already an issue. But 2027, that's when the law firms, consultants and some others are really going to need to have this done. And it's not something you want to do right at the deadline because again, it may take a little time to get you in that green zone, if you will. So the sooner the better to have this conversation. Bill Reynolds: Yeah, the April 2027 deadline, that's really going to be more of a spotlight than a deadline. Technically right now everybody's supposed to be compliant. There's still just a lot of grace to be able to work through and to be ready. So that April of 2027 though, that's kind of where the government said, Hey, you've had a year and a half. Jim Ray: We've gone far enough. Bill Reynolds: Yeah, we gave you a year and a half to figure this out. So your poor planning is not our problem now. Jim Ray: Exactly. Exactly. And again, this is something that a lot of us aren't necessarily thinking about. Maybe we've paid somebody to build a website, we assume, hey, everything's working fine, not having an issue. But because we don't maybe necessarily deal with these disability issues and these compliance issues because maybe we don't have a visual problem or maybe we don't have a hearing problem, other people are not the same as us. And so, we want to be really careful to make sure that they can take full advantage of not only the internet, but also the services that we may offer. So again, this is a really good opportunity and I want to thank you, Bill. I want to thank you for your time and your company's attention to this. Again, you guys are always right on that edge leading the way, and I really enjoy partnering with you. So, thanks for your time. Bill Reynolds: Thanks Jim. Appreciate it. Jim Ray: Friends, if you have any other questions or you need some follow up, feel free to check my website out at JimRayConsultingServices.com. And I look forward to talking to you soon. Thanks for your time.

What Is Limited Pay Life Insurance? Most people assume that owning a whole life insurance policy means writing premium checks for the rest of their lives. It's one of those assumptions that gets repeated so often it starts to feel like a rule. But it isn't. https://www.youtube.com/live/8BE2ScEDZhQ A limited pay life insurance policy lets you fully fund a permanent whole life policy within a compressed time frame, which is usually 10, 15, or 20 years. Once that payment window closes, you're done - no more premiums, ever. But your coverage stays in force for life, your death benefit remains intact, and your cash value continues to compound. For wealth creators who want to build a financial foundation that doesn't come with a lifelong bill, limited pay is worth a close look. And for those using whole life insurance as the backbone of a personal banking system, limited pay may be worth considering, depending on how much flexibility they want to preserve.. This article will show you why. What Is Limited Pay Life Insurance?Key TakeawaysThe Short Answer: What Is a Limited Pay Life Insurance Policy?How Does a Limited Pay Life Policy Work?Common Limited Pay StructuresWhat Happens After the Payment Period Ends?Limited Pay Life Insurance vs. Whole Life Insurance: What Is the Difference?Who Is Limited Pay Life Insurance Best Suited For?Limited Pay Whole Life Insurance and the Infinite Banking ConceptWhy Limited Pay May Appeal to Some Infinite Banking PractitionersThe Role of Paid-Up Additions (PUAs)Pros and Cons of Limited Pay Life InsuranceBook a Call to Find Out Your Next Step to Time and Money Freedom Key Takeaways A limited pay life insurance policy is permanent whole life coverage where premiums are compressed into a shorter payment period, after which the policy is fully paid up with no further premiums owed. Annual premiums are higher than standard whole life, but premiums end sooner, and the policy becomes fully paid up on a defined timeline. Limited pay is not term insurance. This is a common point of confusion. Your coverage doesn't expire when payments stop; it continues for your entire life. Limited pay can work within an Infinite Banking strategy, but policy design matters more than the limited pay label itself, and if you think about it, banking will go on your entire life, so you really need to look closely at the consequences of if you are trying to control the banking function in your life.  The right payment structure depends on your cash flow, your goals, and your timeline. There's no universal answer, only the answer that fits your situation. The Short Answer: What Is a Limited Pay Life Insurance Policy? A limited pay life insurance policy is a form of permanent whole life insurance in which you pay premiums for a set number of years (rather than for your entire life) after which the policy becomes fully paid up. Your death benefit and cash value growth continue for as long as you live, even though no further premium payments are required. Technically, all whole life policies are limited pay because you can always do a “Reduced Paid Up Option.” The distinction that trips many people up is between the payment period and the coverage period. With limited pay, those two things are deliberately different. You pay for a defined stretch (say, 20 years), and the policy covers you permanently. You might think of it like paying off a mortgage early. You could spread payments over 30 years, or you could pay the house off in 15. Either way, the house is yours. But in the second scenario, you own it free and clear much sooner, and every year after that, the money that used to go toward the mortgage is yours to deploy elsewhere. That's the core appeal of limited pay whole life. The premiums are higher during the payment window, but once that window closes, your policy is a fully funded, self-sustaining asset that continues to grow without any further input from you. How Does a Limited Pay Life Policy Work? The mechanics are straightforward once you see the logic behind them. During the payment period, you pay higher annual premiums than you would on a standard whole life policy. That compresses the required funding into a shorter window and leads the policy to become fully paid up sooner. The tradeoff is that you shorten the period during which premium can be contributed, which can limit long-term funding flexibility. Once the final premium is paid, the policy is considered paid-up. It's now self-sustaining. The death benefit stays in place, and the cash value continues to grow.  What's more, if your policy is with a mutual insurance company (which most specially designed whole life policies are), you continue receiving annual dividends, which can be used to purchase Paid-Up Additions (PUAs), further increasing both your cash value and your death benefit. The policy doesn't change character when the payments stop. It's the same contract, the same guarantees, the same participating whole life policy. The only difference is that you are no longer funding it out of pocket. Common Limited Pay Structures Limited pay policies come in several standard configurations, each with a different payment window: StructurePayment PeriodAnnual PremiumBest Fit10-Pay10 yearsHighestThose who want to be paid up quickly15-Pay15 yearsHighThose balancing speed and affordability20-Pay20 yearsModerate-to-highThose wanting a longer funding runwayPay to 65Varies by age at purchaseVariesThose aligning premiums with working years The general rule is simple: the shorter the payment window, the higher the required annual premium and the sooner the policy reaches paid-up status. A 10-pay policy front-loads more capital into the policy early on, which means a larger base for compounding over the decades that follow.  However, it limits the total amount of capital you can put into the system.  Which structure makes sense depends on your current cash flow, your income horizon, and what you're trying to accomplish with the policy. In essence, there is no single right answer. What Happens After the Payment Period Ends? Nothing changes about your coverage. That's the part that often surprises people, but it shouldn't, because the whole point of limited pay is to reach this stage. Again, your policy continues to earn dividends, and your cash value continues to compound. Your death benefit stays in force (and may continue to grow as dividends are applied). You still have access to policy loans against your cash value, just as you did during the payment years. The only thing that stops is the premium bill. For people approaching retirement (or anyone whose income is structured around a finite earning window), that's a huge, notable feature. Your coverage persists even when your active income doesn't. Essentially, you have front-loaded the work, and the policy carries itself from here. In many ways, this differs from electing the reduced paid-up option, in which a policyholder stops paying premiums before the scheduled premium payments are complete and accepts a lower death benefit in exchange. With limited pay, the full death benefit is preserved because the policy was designed from the start to be funded within that window. Limited Pay Life Insurance vs. Whole Life Insurance: What Is the Difference? This is where the confusion usually resides, so it's worth being more precise. Limited pay life insurance is whole life insurance. It's not a separate product category, but a payment structure applied to a whole life policy. The underlying contract - guaranteed death benefit, guaranteed cash value growth, potential dividends, permanent coverage - is the same. The difference is how long you pay premiums. With standard whole life insurance, premiums are typically due annually for the insured's life (or until age 100/121, depending on the contract). With limited pay, those premiums are compressed into a shorter window. You're paying for the same lifetime of coverage, just on a faster schedule. Standard Whole LifeLimited Pay Whole LifePremium durationLifetime (or to age 100/121)Common Fixed periods (10, 15, 20 years, or to age 65)Annual premiumLowerHigherTotal premium commitment Spread over a longer periodCompleted over a shorter periodCash value funding patternMore spread out over timeMore compressed into a shorter periodPolicy after premiums endN/A — premiums continueFully paid-up, self-sustaining The natural follow-up question worth pondering: Is a limited pay life insurance policy more expensive? Year to year, yes, the annual premium is higher. But because you stop paying sooner, the total amount you pay over your lifetime may actually be less than what you would pay on a standard whole life policy. While the shorter payment window is attractive upfront, we've often found that later on, clients wish they still had the option to keep funding the policy and growing a larger pool of capital. Who Is Limited Pay Life Insurance Best Suited For? To be frank, limited pay is not for everyone. While it offers the appeal of becoming fully paid up within a defined period, that does not automatically make it the best structure for every wealth builder. Limited pay may be a fit for people who place a high value on knowing the policy will be fully paid up by a specific date and who are comfortable committing to the higher required premiums that come with that design. That can be attractive for: Entrepreneurs and business owners with strong income today. If you want to complete your premium obligation during your peak earning years, limited pay can provide a clear path to doing that. Professionals preparing for retirement. If your priority is to have permanent coverage in force without scheduled premiums later in life, limited pay may align well with that goal. People who highly value the certainty of a paid-up contract. For some,...

The Archives are Open: Turning Lungs to StoneThe Paraquat Murders remain one of the most haunting "Forensic Zero" cases in history—a spree where the weapon was a common herbicide and the battlefield was the country's own sense of public trust.In this episode, we step away from the neon lights of the Tokyo Bubble and into the quiet, suffocating reality of the "Stone Lungs."Key Talking Points The Architecture of a Ghost: How the Phantom utilized the "Safety Myth" and the Japanese virtue of Mottainai (wastefulness) to bait traps without ever showing their face. The Biological Countdown: A clinical look at Paraquat's unique cruelty—how it bypasses immediate detection to begin a slow, conscious process of internal calcification. The Drowning Ink: Analysing the "Last Letters" of victims who were granted the "mercy" of time—only to spend it watching their own erasure. The Psychology of Distance: Why the indiscriminate killer finds more power in the potential of the kill than the act itself. The Copycat DNA: How the 1985 blueprint evolved into the digital age and influenced later tragedies like the 1998 Wakayama Curry Case. Deep Archive: Beyond the HeadlinesWhile the headlines focused on the terror in the streets, the true complexity of the case lay in the sociological and chemical details that the police struggled to contain.The "Blue" Confirmation When a suspected victim arrived at the hospital, doctors performed a rapid "Dithionite Test." They would add a sodium dithionite reagent to the victim's fluids. If the liquid turned a vibrant, electric blue, it was a death sentence. The blue colour wasn't natural to the poison; it was a dye added by manufacturers to prevent accidental ingestion. The Phantom turned this safety feature into a psychological brand.The Statute of Shadows For decades, the Paraquat Phantom was protected by the "Statute of Limitations." In Japan, the limit for murder used to be 15 years. This case, along with other high-profile unsolved mysteries, fuelled the public outcry that eventually led to Japan abolishing the statute of limitations for murder entirely in 2010. Technically, if the Phantom is still alive, the hunt is still on.The Trivia of the Void"In a world built on the assumption of kindness, the machine becomes a monster." The 100-Yen Bait: Nearly all the poisoned bottles were found in the retrieval slots of machines where the previous customer had "forgotten" their drink. The Phantom relied on the fact that 100 Yen was a significant enough value that a passerby wouldn't want to see the drink go to waste. The "Pop" Revolution: Before 1985, many Japanese energy drinks used simple twist-off caps or pull-tabs that could be easily manipulated. The Paraquat spree forced a nationwide industry standard shift to the "tamper-evident" vacuum-sealed "pop" caps we see today. If you've ever felt a sense of relief hearing that snap when opening a bottle, you are hearing the legacy of the Phantom. Machine Density: At the height of the spree, Japan had approximately 5 million vending machines—one for every 23 people. This made the task of the Tokyo Metropolitan Police impossible; they were trying to guard a "population" of machines that outnumbered the police force by 50 to 1. The Oronamin C Connection: The killer almost exclusively used Oronamin C and Coca-Cola. Oronamin C was marketed as a "health" and "energy" tonic, making the irony of the poison particularly sharp—victims reached for vitality and found a slow-acting stone. Thank you so much for your support legends!!! Could not do this without you backing me up and I hope you love these new True Crime focus on Japanese crime! Let me know what you think mates!

The Department of Justice has consistently argued that the controversial 2007–2008 Epstein non-prosecution agreement did not violate the Crime Victims' Rights Act because, in its view, the CVRA's protections did not attach until formal federal charges were filed. DOJ lawyers maintained that during the pre-charge negotiation phase, federal prosecutors were operating within their lawful discretion to decline prosecution and enter into a resolution without notifying potential victims. According to this position, because Epstein was never federally charged at the time the agreement was reached, the government contended there were no legally recognized “crime victims” under the CVRA to notify, consult, or confer with during the negotiations.The government further argued that the plea deal itself was a lawful exercise of prosecutorial authority designed to secure accountability through a state-level conviction while conserving federal resources and avoiding litigation risks. DOJ filings emphasized that the CVRA was not intended to regulate prosecutorial decision-making before charges are brought, nor to force prosecutors to disclose or negotiate plea discussions with potential victims in advance. In short, the DOJ's defense rests on a narrow interpretation of when victims' rights legally begin, asserting that while the outcome may have been deeply troubling, it did not constitute a statutory violation under the government's reading of federal law.to contact me:bobbycapucci@protonmail.comsource:TitleBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

This episode starts with a broken TV… and somehow ends with space poop, aliens, and questions we definitely shouldn't be asking out loud. Along the way, we spiral through April Fools fails, conspiracy theories, ants (??), and whether space rules count as cheating. Safe to say… we lost the plot. Enjoy. Thank you to our partners AG1 - Go to DRINKAG1.com/slash TOGETHERMESS to get an AG1 Flavor Sampler and a bottle of Vitamin D3+K2 for FREE in your AG1 Welcome Kit with your first AG1 subscription order! That's a $72 value, yours free, only while supplies last Hungryroot - For a limited time get 40% off your first order PLUS get a free item in every box for life. Go to Hungryroot.com/togethermess and use code togethermess We would love your feedback... If you enjoyed this episode, tell us why! Leave us a review and make sure you subscribe on your favorite podcast platform. Executive Producers are Riley Peleuses + Ian McNeny for YEA Media Group If you are interested in advertising on this podcast or having Jeff and Jordan as guests on your Podcast, Radio Show, or TV Show, reach out to podcast@yeamediagroup.com Learn more about your ad choices. Visit megaphone.fm/adchoicesSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This episode starts with a broken TV… and somehow ends with space poop, aliens, and questions we definitely shouldn't be asking out loud. Along the way, we spiral through April Fools fails, conspiracy theories, ants (??), and whether space rules count as cheating. Safe to say… we lost the plot. Enjoy. Thank you to our partners AG1 - Go to DRINKAG1.com/slash TOGETHERMESS to get an AG1 Flavor Sampler and a bottle of Vitamin D3+K2 for FREE in your AG1 Welcome Kit with your first AG1 subscription order! That's a $72 value, yours free, only while supplies last Hungryroot - For a limited time get 40% off your first order PLUS get a free item in every box for life. Go to Hungryroot.com/togethermess and use code togethermess We would love your feedback... If you enjoyed this episode, tell us why! Leave us a review and make sure you subscribe on your favorite podcast platform. Executive Producers are Riley Peleuses + Ian McNeny for YEA Media Group If you are interested in advertising on this podcast or having Jeff and Jordan as guests on your Podcast, Radio Show, or TV Show, reach out to podcast@yeamediagroup.com Learn more about your ad choices. Visit megaphone.fm/adchoices

All the in-universe commercials from the first 17 episodes of THIRST, now compiled in one place. Ever wanted to just sit down and immerse yourself in the experience of flipping channels in the worst possible timeline? Want to get your friend to listen to Thirst but having them start with a full episode seems like too big an ask? Now you can listen to just the commercials, back to back to back! Enjoy, and don't forget to let us know which commercial is your favorite.(Note: Episode 1 doesn't have a commercial, and episode 17's commercial is a continuation of the larger story, so TECHNICALLY this is just commercials 2-16, but you get what we mean.) Hosted on Acast. See acast.com/privacy for more information.

America went to war in Iran, we're told, because the idea of the country developing nuclear weapons was intolerable. Nukes are complicated and technical weapons that require scientists and experts to build, maintain, and manage. Highly enriched uranium (HEU) is core to the design and unless all of Iran's HEU is accounted for the threat of it becoming a nuclear power will linger.So what would it take to get rid of Iran's stockpile HEU?François Diaz-Maurin is on Angry Planet today to answer that question. Diaz-Maurin is editor for nuclear affairs at the Bulletin of the Atomic Scientists where he recently published an article outlining what it would take for US troops to neutralize Iran's highly enriched uranium.How a civil engineer becomes a nuclear journalist“You can't bomb away nuclear material.”“Technically, it's nearly Mission Impossible.”How much highly enriched uranium (HEU) was left after last year's strikes?Moving HEU around IranWhat we can learn from satellite photos and the International Atomic Energy AgencyWhy 60%?Managing scuba tanks full of gaseous toxins in a war zoneWhy blowing up the cylinders won't work“Let me throw something weird at you.”Downblending versus exportingWe're living in the third nuclear ageDeterrence works and that's, maybe, not great?Trump may send US troops to neutralize Iran's highly enriched uranium. There are no good optionsNetanyahu says Iran no longer has uranium enrichment capacityIran willing to dilute uranium stockpile as fresh protests eruptSupport this show http://supporter.acast.com/warcollege. Hosted on Acast. See acast.com/privacy for more information.

Ever lost an argument you know you should have won — but couldn't explain why? That's not a coincidence. It's a strategy called "The Pop." Tony Overbay, LMFT, introduces a powerful new framework for understanding one of the most disorienting dynamics in emotionally immature and narcissistic relationships: paltering — using technically true statements to build a completely false picture of reality. Through vivid storytelling, real listener examples, and the unforgettable journey of a popcorn kernel named Kevin, Tony names the mechanism that has left so many people feeling crazy when they were actually catching something real. In this episode, you'll discover: What "The Pop" is and why a single kernel of truth can expand into a narrative that fills the entire room — mostly air How paltering differs from outright lying, and why your brain's alarm system doesn't fire the way it normally would Real stories from The Kernel Collection — listener-submitted examples of half-truths weaponized in relationships Why you became a "court reporter" in your own relationship, and why that's an adaptation — not a flaw How implicit memory — your body's record of every conversation that left you smaller — is the one thing The Pop can't touch With over 1,500 couples counseled and hundreds of clients navigating narcissistic relationship dynamics, Tony delivers both the clinical framework and the emotional validation this topic demands. If you've ever told yourself, "I can't point to a specific lie — so maybe I'm the problem," this episode will change how you see every confusing conversation you've ever had. 00:00 Popcorn Obsession 01:36 Kernel Origin Story 02:46 Kevin Pops 05:48 Truth Becomes Weapon 09:33 Show Intro Concept 12:38 Paltering Half Truths 16:49 NXIVM Big Example 20:31 Long Term Erosion 21:38 Lauren Pattern Example 24:04 Listener Stories 25:56 Dinner Drinks Story 29:55 Flat Tire Example 30:22 Flat Tire Blame Shift 32:12 Confabulated Hero Narrative 33:38 Money Versus Love Trap 34:41 Doctor Appointment Reversal 36:26 Sorry But Apology 38:21 Why The Pop Works 40:24 Court Reporter Survival 43:16 Mindfulness And Runway 45:37 Boundaries Not Ultimatums 52:10 Trust Implicit Memory 53:50 Orienting Steps Forward 55:20 Differentiation And Crucible 01:01:44 Closing Takeaways Learn more at tonyoverbay.com and explore the Magnetic Marriage course for relationships where both people want to do the work. Please follow Tony on Instagram @virtual.couch on Tiktok @virtualcouch on Facebook https://www.facebook.com/tonyoverbaylmft and on Substack https://thevirtualcouch.substack.com/ You can reach out to Tony through his website tonyoverbay.com or by emailing contact @ tonyoverbay.com

1 hour and 40 minutes The Sponsors Thank you to Underground Printing for making this all possible. Rishi and Ryan have been our biggest supporters from the beginning. Check out their wide selection of officially licensed Michigan fan gear at their 3 store locations in Ann Arbor or learn about their custom apparel business at undergroundshirts.com. Our associate sponsors are: Peak Wealth Management, Matt Demorest - Realtor and Lender, Ann Arbor Elder Law, Michigan Law Grad, Human Element, Sharon's Heating & Air Conditioning, The Sklars Brothers, Champions Circle, Winewood Organics, Community Pest Solutions, Venue by 4M where record this, and Introducing this season: Radecki Oral Surgery, and Long Road Distillers. 1. Men's Basketball vs Howard and Saint Louis Starts at 0:51 This is part one of a part two podcast! Which Robbie Avila nickname was your favorite? Of the last ten times Michigan has made the tournament they've been in the Sweet Sixteen nine. Were Beilein teams built better for the tournament than for the Big Ten? Howard shot 48% from three, the only reason they were able to get to 80 points. What Wisconsin nonsense is this? Michigan shoots 84% from two, one of those misses was from Oscar Goodman. Roddy Gayle was uninspiring in the Big Ten Tournament but returned to his March form. Moving on to Saint Louis, they're a dangerous offensive team but there was no way they were going to be able to check Michigan. Somehow Saint Louis was the #1 field goal efficiency defense in the country, it's a good sign that Michigan shot 1.35 PPP. Avila fell for Mara's fake pass. Since they started counting blocks Michigan is the first team to have all starters score 10+ points and have a block. The Mara we're seeing now is night and day from what we saw at the beginning of the season. Could you convince him to come back another year? What was up with that non-flagrant foul that ended up being a foul on Burnett? Technically it was a cylinder foul. High Point isn't a real school, you should only schedule real schools.  [The rest of the writeup and the player after THE JUMP]  2. Spring Football Bits Starts at 34:37 There are finally enough bits coming out of the spring! Ron Bellamy is back as director of player personnel, which makes all the sense in the world. Apparently Whittingham wanted to come back to Utah but he wouldn't have as much control over decision making so he left. What exactly happened here? We thought he was retiring but clearly he didn't. Manuel Beigel moved to offensive line, this is concerning because there are plenty of offensive lineman and this team needs defensive tackles. In more positive news, Savion Hiter is already running with the ones. His built is like Jabrill Peppers. The defense will "resemble the 2023 defense" in terms of style, according to Jay Hill. It will depend what they can get out of Zeke Berry and Rod Moore. Injured guys are still injured. Receiver depth is Marsh, Ffrench, Moa, and Buchanon. Defensive tackle tea leaves are... uhhh... concerning? You need four decent defensive tackles, they currently have three and there's no guarantee that any of them are good. Maybe that's why Hiter is getting so many yards in practice. The NDSU linebacker captain needs to simmer for a bit, he just got here. If one of the best offensive line coaches in the country is excited then we're excited. If Babalola actually starts he'll be an All-American. Sounds like they're kicking Link inside?  3. Hot Takes and Hockey Tournament Starts at 1:02:51 Takes hotter than Howard for the last 10 minutes of the first half. Michigan gets the #1 overall seed in hockey, their reward is a game against Bentley in Albany. They also won the Big Ten Tournament after a 7-3 win over Ohio State. They get medals but not stoats. Playing a team with tournament lives on the line was really good practice. They were so excited to win a banner. Did you know Gonzaga used to have a hockey team. Bentley is 23rd in NPI which is better than their conference usually does. Doesn't look like a team that will threaten Michigan but anything crazy can happen in this tournament. The matchup is there against Penn State but the vibes are annoying since Michigan has already played them five times (and lost once). Will the building have 12 people in it? Minnesota-Duluth had a really good nonconference run but fell off towards the end of the season. They swept Minnesota which doesn't mean much this year. Congratulations Western Michigan, you are a #1 seed and you probably get to play Denver at altitude if you win your first game. The committee doesn't want schools to have home games but then they either give schools "home" games or play in empty rinks. This game should be at Yost and it would be nuts, Michigan deserves the home advantage that they earned. If Wisconsin gets goaltending they're a top four team, if not they'll lose in the first round.  MUSIC: "Hard Dreaming Man"—Drugdealer "Honey Drip"—Long Island Railroad, Smushie and Ryan Gebhard “Across 110th Street”—JJ Johnson and his Orchestra   

The Oakland County child killer was responsible for the murders of at least 4 children in Oakland County, MI, in 1976 and 1977. Technically, we don't know whether it's a single killer or multiple killers. What we do know is that these murders shocked that area of Michigan and forever changed the lives of the people there, not just the families of the victims, but the entire community. Join Mike and Morf for the second and last part of a discussion on the Oakland County child killer. In this episode we focus more on the known evidence in the case and dive into the plethora of suspects that police have identified over the years. We also had a discussion with former FBI profiler Julia Cowley, who hosts the podcast - the Consult; real FBI profilers, and we talked about what her years of experience profiling killers like this tells her about this case and the killer.

The Oakland County child killer was responsible for the murders of at least 4 children in Oakland County, MI, in 1976 and 1977. Technically, we don't know whether it's a single killer or multiple killers. What we do know is that these murders shocked that area of Michigan and forever changed the lives of the people there, not just the families of the victims, but the entire community. Join Mike and Morf for the first part of a discussion on the Oakland County child killer. The perpetrator selected both male and female victims and dumped their bodies where they would easily be found. It also seems as though the perpetrator kept the victims for some time, and in some cases even washed their clothes and redressed them. The details of this case have grabbed people's attention for fifty years.   You can help support the show through Patreon. We'd love to connect with listeners on social media. We are available on the following platforms: Facebook - Facebook Discussion group - Instagram - Threads - X Formerly Twitter - Blue Sky - Twitch - Tik Tok  Criminology is an Emash Digital production hosted by Mike Ferguson and Mike Morford.