Podcasts about Too Hot

In the first half (albeit recorded second) of a Too Hot for TV crossover, we take a look at the ill-fated 1980s TV adaptation of John Christopher's The White Mountains trilogy Presented by J.R. Southall, with Ryan Blake and Dylan Rees On tomorrow's episode of Too Hot for TV (recorded first), we'll be looking at the prequel novel and various comic strip adventures: https://linktr.ee/Dylan_Rees

Happy Thursday! Rims had his X account hacked & he's selling us Crypto, we're not happy with the British Open weather, we go Around the Big Ten with ESPN's Adam Rittenberg, Timmy's excited for OSU hoops, Common Man's really upset at his wife, he's also still buying CD's & we play some Too Hot audio.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Spencer Funding Their Future Honoree, Sierra Signorelli, about her background in environmental science, what drew her into insurance, and what convinced her that this profession was where she wanted to build a career. They discuss her career path from environmental consulting to environmental insurance underwriting to leading a global team and to currently serving as CEO of U.S. and Commercial Insurance at Zurich, and the pivotal moments that changed the trajectory of her career. They discuss her passion for helping women make their way in the industry, and her activities to bring new talent into insurance careers. Justin and Sierra discuss the Spencer Educational Foundation and how Zurich's interest in nurturing new talent aligns with Spencer's work.   Listen for Sierra's passion about the dynamic state of the insurance industry and how it can bring new risk solutions to companies.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. Our guest is Sierra Signorelli, CEO of U.S. and Commercial Insurance at Zurich and one of this year's Spencer Funding Their Future Gala Honorees. But first… [:42] RIMS-CRMP Workshop. We are delighted to announce that on August 27th and 28th, RIMS President Manny Padilla will be leading the two-day in-person workshop at St. John's University at 101 Astor Place in New York City. A link to the registration is in this episode's show notes. [1:02] RIMS-CRMP Virtual Workshops. The next RIMS-CRMP Exam Prep with PARIMA will be held virtually on July 21st and 22nd. Registration links are in this episode's notes. [1:14] We have a summertime webinar. On July 16th, Zurich will present "Too Hot to Ignore: Heat-Related Injuries and Workers' Compensation." Register at RIMS.org/webinars and via the link in this episode's show notes. [1:29] Also on the webinars page, you will see a two-part series hosted by the RIMS Membership Department. The "Classroom to Career" webinar series highlights how RIMS equips students with the knowledge, skills, and connections needed to thrive in risk management careers. [1:44] Participants will gain insights into industry trends, career pathways, and practical tools that help them confidently step into the evolving world of risk management after graduation. These sessions will be hosted on September 1st and 9th. [1:58] These sessions are member exclusives and are complimentary for RIMS members, of course. So, if you are interested in becoming a member, this would be the time. Visit RIMS.org/membership. [2:07] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. Registration will open in July. Be on the lookout for the call for nominations for the RIMS ERM Global Award of Distinction. Visit RIMS.org/ERM2026 in July for that announcement. [2:29] RIMS is back on YouTube. Our handle is @RIMSOfficialChannel. We've got plenty of videos there, including RIMScast, RIMScast Canada video podcasts, and other informative and entertaining content from RIMS. Subscribe to the channel today! [2:48] On with the Show! Our guest today is one of the modern trailblazers of risk and insurance. She is Sierra Signorelli, the CEO of U.S. and Commercial Insurance at Zurich. She is also one of this year's Spencer Educational Foundation's Funding Their Future honorees. [3:08] Sierra will receive her honor at the Waldorf Astoria in New York City on September 17th at the Spencer Funding Their Future Gala. [3:16] Sierra is here today to discuss her career development, her career journey, how it evolved into a global leadership role, and some words of wisdom for the next generation of risk and insurance talent. She has a lot of great insight and takeaways for us all. Let's get to it! [3:37] Interview! Sierra Signorelli, Welcome to RIMScast! [3:47] Justin and Sierra discuss longtime mutual friend Marya Propis. Sierra says their paths crossed early in their careers at AIG. They got to know each other through the Women's Executive Leadership Initiative Program. [4:09] Sierra says quite a few exceptional women in important roles in our industry came out of that program cohort. It's fantastic to come back together with Marya for this event. [4:37] Sierra studied environmental science. She tries to live and work with a sense of purpose. In university, she wanted to make the world a better place with environmental science. [4:58] Sierra says there are areas of overlap between insurance and environmental science. Her initial work out of school was about understanding changing weather patterns, flooding, epidemiology, chemistry, liability, and toxic tort. She leans on what she studied. [5:33] Sierra says that in school, they studied Earth Systems Science. Much of the modeling they did in school is the same modeling that Cat modelers do at Zurich. [6:04] Sierra first worked at an environmental engineering consulting firm. A colleague left to join a new company. He called her to come and interview. It hadn't been on her mind, but on his recommendation, she interviewed. Meeting the people, Sierra was intrigued. [7:08] Sierra says once she joined, she never looked back. She joined as an underwriter doing environmental insurance, so it tied to her background. It felt like it was her own little business. It was her responsibility to build a portfolio of business and build relationships with brokers. [7:37] Sierra says it was fascinating. The industry gives lots of training, both industry-led and within companies. The opportunity to learn was fun. Sierra felt it was a great place to start to build a career. [8:20] Sierra has had a few meaningful career pivots. As an underwriter, transitioning to her first manager role was a big step. It taught her that you have to have sponsorship or support within an organization to get the next roles. [8:47] Sierra says it was a big step from being an individual contributor to leading a much larger team. Having somebody willing to put that on her was really important. She will be forever grateful for that first step. [9:12] Sierra says the next meaningful step was from running a business in a region to being a CUO for one of the businesses globally. The organization restructured and put Sierra across lines of business she had no expertise in. That was a huge shift for her. [9:40] Sierra was no longer the deep expert, but she had to lead a team of experts and be credible with those individuals. Most of them had 30 or 40 years of experience. Sierra was in her early 40s. It was a fantastic opportunity that somebody was brave enough to give her. [10:09] Shortly after, Sierra moved from New York to Asia. It was quite a difference. She took that step because she was in a global role. She says, even though she traveled a lot and she's curious about people and cultures, it's not until you sit somewhere that you really experience it. [10:39] Moving overseas and being on the receiving end of New York gave Sierra an appreciation for sitting in the market. At that company, all brilliant things came from New York, and the rest of them had to figure out how they added value. The time difference was a challenge. [11:24] Sierra says the time difference has a huge impact on your life. The company wanted to become more global and had placed executives all over the world in different hubs. When you have 3,000 people in one area, everything is time-zone-centric to them. [12:01] As a global leader, in another time zone, you have to be comfortable not participating in everything and having people who represent you on your behalf, knowing when you really need to engage. You need to know to move the time if you won't be coherent at 3:00 a.m. [12:24] Sierra went back and forth once a month from Asia to New York to do Business Unit Reviews. It takes a lot out of you. The world has changed, and she does many more video meetings. Global travel has an impact on quality of life. [13:00] During those years, Sierra was raising children. They started pre-school and kindergarten in Asia. Sierra says she couldn't possibly do it unless her husband was on board; he had a career that was more flexible, and he was willing to step up. That's a family discussion to have. [14:03] A Quick Break! There are so many other wonderful RIMS events coming up in 2026. The Annual Florida RIMS Educational Conference will be held from July 28th through August 1st at the lovely Ritz-Carlton in Naples, Florida. A link to the event is in this episode's show notes. [14:22] Register now for the Second Annual RIMS Texas Regional Conference, which will be held from August 10th through the 12th at the Grand Hyatt on the San Antonio River Walk. Visit RIMS.org/Events for registration information. [14:36] The hotel cutoff date was July 10th. Reservations may still be made after the hotel cutoff date, subject to availability; however, the negotiated group rate is no longer guaranteed, so reserve now. [14:48] The 11th Annual Chicagoland Risk Forum will return to the Old Post Office on Thursday, September 24th, 2026. Visit ChicagolandRiskForum.org for more information. [15:00] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. The agenda is live, and registration is open. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [15:16] Save the dates: October 18th through the 21st. We will be in Quebec City to celebrate the 50th Live RIMS Canada Conference. Booth sales are open, and sponsorship opportunities are still available. Advance registration is open now. [15:33] Visit RIMSCanadaConference.ca for more information. Also, remember to check out RIMS.org/Canada for our spinoff show, RIMScast Canada, hosted by National Conference Committee Chair, Aaron Lukoni. [15:47] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. Registration opens in July. [15:58] Be on the lookout for an announcement about submissions for the RIMS Global ERM Award of Distinction. Visit RIMS.org/ERM2026.  [16:08] Folks, we're already looking toward RISKWORLD 2027, which will be held over four days in New Orleans, Louisiana, from April 18th through the 21st. RIMS members can exclusively register by September 4th for the best rate. [16:22] Get first access to the hotel block. Hotel reservations open on October 28th, ahead of public registration. Sitting this out is the real risk! The link to registration is in this episode's show notes. [16:35] Let's Return to Our Interview with Spencer Educational Foundation's Funding Their Future Gala Honoree Sierra Signorelli! [17:01] Sierra says when she was in Asia, she had a global role. It highlighted how you speak, how you engage, and how you listen in different cultures is hugely important. You can't assume. It's always good to listen and then ask, and then replay back. [17:23] Sierra learned some painful lessons just thinking that silence and people nodding along means that they agree. She says she often talks about the importance of listening to colleagues, customers, and broker partners. [17:45] It's important not to make quick assumptions but to listen first and ask questions so that you have a good understanding of the colleagues you are working with and their needs. [18:00] Justin says a keynote at RISKWORLD 2019 said that when she spoke in Asian nations and asked a question of the audience, she learned that she had to wait and make eye contact with the audience to know if it was alright to move on to the next point or get them to speak up. [18:30] This speaker had learned that there is somewhat of a cultural reluctance in Asia to say what's on your mind. Sierra says that may be true, but you often don't get questions, so you have to think about what questions people might have and make sure that you raise them. [18:53] Sierra shares an example. They were rolling out global pricing tools. The U.S. would raise their hand that they don't like this or that. The same with the UK. Maybe Germany doesn't adopt it. Asia was seamless. They just rolled it out. No questions. Then a broker revealed a big issue. [19:31] Sierra realized she had to go back and talk with her team, so they could march forward. Having that understanding and making sure you're engaging appropriately with the culture is critical to having a successful business and being successful with the teams locally. [20:03] Justin asks that as Sierra ascended to that leadership role, did she find that she was one of the few women in executive leadership roles along the way? [20:23] Sierra says that early in her career, she was quite fortunate that there were quite a number of women leaders. In the group she worked with when she was in New York, there were several women running businesses. She worked for a woman. [20:43] Many of the women had families. Sierra had just started to have a family. Seeing them able to run these businesses, have a family, and not seem like all the wheels were coming off, seeming very normal and successful in her view, kept Sierra going. [21:01] Sierra says having role models and seeing other women do it is absolutely critical. It feels like you can do it when you see somebody else doing it. Having other people to talk to about how you navigate it is very important. [21:17] Sierra says, That being said, you have these groups, but overall, she finds that she's often the only woman in the room in meetings, and more broadly, in Asia. If she looks at the executive committee at Zurich, there are 12 executives, six male and six female. [21:42] Sierra says there are bright spots. We're making progress, but in some of the mid-level management roles, you don't see the same split. You see women falling off at a certain level. [22:19] Sierra says we have a Women's Innovation Network that she sponsors for her group. She has always tried to be a great support to women in our industry. She has given support to women along the way and helped them navigate to get to where they are. [23:00] Sierra says if you want to be authentic, you have to make difficult decisions. It goes hand in hand. If you just take every easy decision, it would be very difficult to be authentic. She would encourage you not to shy away from challenging decisions and not to put them off. [23:26] That's easier said than done. When Sierra looks at her to-do list in the morning, if there's something on that list she really doesn't want to do, she does it first. Otherwise, it just falls further down the list, and then goes to the list for tomorrow. [23:47] Those difficult conversations are never as bad as you work them up in your head to be. Just do it and get past it. If you make that a habit, then you tend not to shy away from having the right discussions. It's never as difficult as you can make it out to be in your head. [24:09] Sierra says one of her colleagues at Zurich in the U.S. often says, "Be kind, not nice." Being nice does not serve anyone well. If you don't give people feedback, or don't give them the full story because you want to be nice, it doesn't make sense. [24:32] If you're going to give feedback or make a change, be kind. That purpose helps people move forward and take action. Inaction is the bigger risk than taking action, jumping in, and adapting anywhere you need to adapt, as you go. [25:02] Justin cites a friend of Sierra's, and recent RIMScast guest, Johnell Holly, who said he chooses the hard challenges first and tries to knock them off the list. [25:24] Justin restates Sierra: your authentic self is shown when you make those difficult decisions. That's a great takeaway for the RIMScast audience. Sierra adds that it's important to take positions so that people understand what you stand for as a leader or an individual. [25:53] Sierra says in an organization, people are always going to decide what you stand for. If you don't make it clear, it creates a vacuum, and they'll make assumptions. Sometimes people are tentative or worried about taking a stand. [26:06] Sierra says it's far less risky to take that stand and make it clear what you stand for, because people are going to make an assumption anyway, and they're more likely to get it wrong if you leave it to them to sort out. [26:31] Sierra says she spends a lot of time meeting with customers and brokers. She gets energy from it. It grounds her in reality, which is important if the company wants to add value. They need to understand how things are landing, and what problems they are solving for. [26:53] One of the things that keeps Sierra in this industry, and what she loves about what they do, is that they have the opportunity to help solve some of the world's most complex challenges. [27:06] To do that, they have to get out and talk to people who are facing the challenges, and understand what it means for their business. [27:14] Sierra says, it's also important to spend time with your people. Sierra is in the Chicago office, and when she walks around the floor, she can meet the teams. She loves when they come up and tell her about a big win or something they're building on in the market. [27:39] Another Quick Break! The Spencer Educational Foundation's Funding Their Future Gala 2026 will be held on September 17th in New York City at the Waldorf Astoria. This year, Spencer will honor Sierra Signorelli of Zurich and our recent guest, Marya Propis of RT Specialty. [28:01] A link to the Gala is in this episode's show notes. Sponsorship opportunities are still available. [28:14] We have reached the deadline for the Spencer Educational Foundation's Risk Manager on Campus submissions. Grant awardees, colleges, and universities are typically notified in September. [28:22] General Grants are open, and the application deadline is July 30th. Internship Grant applications open on August 15th and close on October 15th. [28:33] Links to each of these grants are in this episode's show notes. Visit SpencerEd.org for more information. [28:42] Let's Conclude Our Interview with Spencer Educational Foundation's Funding Their Future Gala Honoree Sierra Signorelli! [28:57] Justin congratulates Sierra once again on being honored at the Spencer Educational Foundation's Funding Their Future Gala, which will be on September 17th at the world-famous Waldorf Astoria. [29:07] Sierra says she is looking forward to the event. She has been very fortunate to have amazing people who have helped, either giving her great advice through her career, or who have sponsored her, supported her, or advocated for her as she took the next steps in her career. [29:43] Sierra says, it's great to be recognized. As she is recognized, it should be recognition for all of those people who were bold enough to support her, especially early in her career. [30:02] Sierra says Zurich has a long history of engaging with the Spencer Educational Foundation. Zurich's beliefs align with what Spencer is trying to achieve. Zurich believes in bringing a diverse group of people into our industry, and more young people into our industry. [30:23] Sierra says we need to continue to bring new people in. As we look at some of the changes we have as an industry, becoming more digital, leaning more on insights, and reshaping how we show up as an industry, it's a great time for young people to join our industry. [30:47] Sierra says she thinks the industry is undersold. It's a fantastic industry to build a career. She says most people who come into the industry don't leave. It's just convincing them from the beginning.   [31:02] Sierra says, from a Zurich perspective, we have a really robust apprenticeship program that we sponsor to bring youth into and help them gain experience: both on-the-job experience and instructional experience through a two-year program. [31:26] Sierra says that for Zurich, supporting programs such as the Spencer Educational Foundation is a natural fit in continuing to help bring talent into our industry. [31:38] The other 2026 Honoree, Marya Propis, was recently on the show and was one of the first 50 RIMScast guests. Sierra says she and Marya worked together years ago. They also were part of a fantastic sponsored women's program, the Women's Executive Leadership Initiative. [32:14] Sierra says several women who are in key roles in our industry came through that program. It's fantastic to see the success of some of those women, including Marya, and to be honored together in 2026. [32:44] Sierra says it should be a good evening and really nice to reconnect with Marya after having been overseas for quite some time. [33:00] Sierra is also a board member of the St. John's University School of Risk Management and is deeply involved in developing future talent. [33:16] Sierra says it's a really exciting time for our industry. The world of risk is very dynamic now. [33:31] Our capabilities to harness insights and data to streamline what we do to be more efficient to work with, all coming together at the same time, is a huge opportunity to raise the bar to add greater value to companies as they think about how they manage this risk landscape. [34:00] For Sierra, it's an exciting time to bring new perspectives in and entice young people to look at a career in insurance. Sierra repeats that most people who come into our industry don't leave. People leave companies, but they tend to take other insurance roles. [34:30] Sierra says, we just need to get more people interested in what we do and to bring new perspectives and new skillsets into what we do. I know that people will stay once they're here. [35:00] Speaking of knowledge transfer, Sierra says that there are lots of people with many years of experience who want to invest the time with younger people to pass that knowledge on. They don't want it to be lost. [35:19] For people who are curious and want to come in and build a career, it's an amazing opportunity to be able to work with some of the people who have this experience, as well as working with new technologies and capabilities. [35:35] The Waldorf Astoria in New York City has been newly renovated. When people gather at the Waldorf for the Spencer Gala on September 17th to celebrate leaders like Sierra and Marya, they're also investing in the future of the profession. [36:06] Sierra says, first and foremost, she feels fortunate that she's had great support from individuals and also from working for a great company that allows her to do what she does at such a large scale. [36:44] Sierra says the people who sit on the team at Zurich are the shining stars who give us the brand that we have and the capabilities that we have. She would hope that she leaves a legacy that shows that she's helped to improve and raise the bar for what we do as an industry. [37:19] Sierra says that's what she's most passionate about. She thinks that as an industry we can do more. [37:26] We're on the cusp of something great with all of these different dynamics, whether they're the factors of risk that are becoming far greater, or the capabilities we can bring to the table to help the world and companies solve problems. [37:45] Sierra says, if I leave a legacy that I helped some of the building blocks to get us there, I would feel quite good about that, in addition to helping to build talent in our industry, which is something that I'm particularly passionate about. [38:03] Justin says it is a well-deserved honor, and I'm so happy for you. I'm very happy for Marya, as well. You both bring so much to risk management and insurance that it's only fitting that you are honored in the same year. You're both doing great work. [38:21] You're very inspiring for our listeners and, of course, anyone who is involved with Spencer, whether they are staff or beneficiaries of the foundation. You are a shining example of what we hope this profession can continue to be like. [38:40] I want to thank you so much for your time, and I look forward to seeing you in New York City on September 17th, when you accept your award. [38:53] Special thanks again to Sierra Signorelli of Zurich for joining us here on RIMScast. We congratulate her on being named an honoree at this year's Spencer Funding Their Future Gala, which will be held on September 17th in Manhattan at the fabulous Waldorf Astoria. [39:14] Visit SpencerEd.org for more information and be sure to check out recent RIMScast episodes with another honoree from this year, Marya Propis, and Spencer Board Chair, Johnell Holly. Links are in this episode's show notes. [39:30] Plug Time! Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [39:47] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [40:04] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [40:17] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [40:30] Practice good risk management, stay safe, and thank you again for your continued support!   Links: Spencer Educational Foundation's 2026 Funding Their Future Gala | Sept. 17, 2026 RIMS Texas Regional Conference 2026 | Aug. 10‒12 in San Antonio | Register Now! RISKWORLD 2027 Registration | RIMS members can lock in 2026 rates now through Sept. 4 2026 Florida RIMS Educational Conference | July 28‒Aug. 1 | Register Now ChicagoLand Risk Forum | Sept. 24, 2026 RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today. RIMS Canada Conference — Oct. 18‒21, 2026 | Quebec City | www.rimscanadaconference.ca | Advance Registration Open | Sponsorship Opportunities Available RIMS ERM Conference 2026 | November 19‒20 in Columbus, Ohio | Registration Opens in July! | www.rims.org/ERM2026 Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! RIMS, the Foundation for Risk Management The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS-CRMP Stories RIMScast Canada — Episodes Now Live RISK PAC | RIMS Advocacy RIMScast on YouTube! RIMS Risk Management Magazine | Contribute | Q2 2026 Issue Now Available Upcoming RIMS-CRMP Virtual Workshops: RIMS-CRMP Exam Prep with PARIMA — Virtual — July 21‒22, 2026 RIMS-CRMP Exam Prep Workshop — Live In NY — Aug 27‒28! Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops   Upcoming RIMS Webinars: RIMS.org/Webinars "Too Hot To Ignore: Heat-Related Injuries and Workers' Compensation" | July 16 | Presented by Zurich "RIMS Student Series: Classroom to Career Part 1" | Sept 1 "RIMS Student Series: Classroom to Career Part 2" | Sept 9   Related RIMScast Episodes: Spencer Honoree "Marya Propis: From Industry Leader to Talent Champion" "Choosing the Challenge with Johnell Holly, Spencer Educational Foundation Board Chair" "Risk Management Momentum with Tim Ryan" (2025 Spencer Honoree) "The Strengths of DE&I Initiatives with Lilian Vanvieldt-Gray of Alliant Insurance Services" (2024 Spencer Honoree)   Sponsored RIMScast Episodes: "48 Hours From a Storm: What to Do Before A Hurricane Strikes" | Sponsored by Global Risk Consultants, a TÜV SÜD Company (New!) "AI-Scale, Risk Ready: Engineering Controls for the New Data Center Boom" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Facing Into Risk: Navigating the New Risk Landscape" (New!) | Sponsored by AXA XL "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against an Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Sierra Signorelli, CEO of U.S. and Commercial Insurance at Zurich Spencer Educational Foundation's Funding Their Future 2026 Honoree   Production and engineering provided by Podfly.

In this program, Cathy, Kerri, and Marlene introduce a new series entitled, "Too Hot to Handle." The Ladies of LoveTalk Network explore the concept of comparison, specifically those comparisons in which we measure ourselves against others. Isn't comparison damaging to our self-worth? Often, it is. However, comparisons can also be the foundation for growth or liberation. Kerri gives listeners a Godly guide so that comparisons don't steal your joy and peace. Join us as we learn how to use COMP to guide our growth and maintain our joy. C -- Caution: when comparison becomes a thief. O -- Opportunity: when comparison fuels growth and liberation. M -- Mastery: when you are able to focus on your own path with contentment. P -- Purpose: when turning it outward through gratitude and service. In other words, look for COMP when engaging in comparisons.

Climate Change, sadly, has become increasingly polarised in the UK over the last couple of years. And MPs consistently underestimate public support for climate action – they read the same skewed media that we do, and the minority who oppose more ambitious, or indeed any, action, often have the loudest voices. If you've ever wondered whether it's really worth getting in touch with your MP, or how best to engage with them, this episode is a must listen. Rebecca Willis is a Professor in Energy & Climate Governance at the University of Manchester, where she leads the Climate Citizens  research group, looking into the role of public engagement in energy and climate governance. She is an expert advisor to the Climate Change Committee – the independent body that advises the government on tackling and preparing for climate change. And in 2019-2020, she was an Expert Lead to Climate Assembly UK, the first national Citizens' Assembly on Climate Change, which is something we dive into in the podcast.  Becky is also the author of Too Hot to Handle – the democratic challenge of climate change.USEFUL LINKS:Rebecca Willis- Website- Linked In- Climate citizens research groupNational Emergency BriefingParents for the FutureClimate Assembly UKClimate BarometerHope for the FutureClimate Conversations – Larger UsRound Our WayMothers Climate Action NetworkWI Climate Ambassadors Scheme Previous episodes:Everyday influencers with Sam HamptonThe National Emergency Briefing with Nick OldridgeAccelerating climate action through sport - with Katie CrossIf you enjoyed this episode, please do leave a rating and/or a review wherever you get your podcasts

Happy Thursday! We talk lots of college football with ESPNs Adam Rittenberg, we're getting an all-Ohio hoops exhibition tourney, we chat about Culver's customer service & getting ice cream dumped on you, we discuss the USPS & doing away with cards, an arsonist starts a fire with his penis & we give you some Too Hot audio.

Dan engages in a discussion about escalating conflict within the body of Christ. He describes a climate of accusations, betrayal, public criticism, and what he calls “brother killing brother,” arguing that the exposure of genuine wrongdoing is part of God's judgment and a necessary season of cleansing before a greater move of God. Referencing Daniel 11 and Isaiah 61, he points to what he believes are prophetic indicators of extraordinary exploits and renewed Kingdom advancement.Dan also contends that the devil exploits this season by recruiting voices—whether malicious, financially motivated, misinformed, or seeking attention—to spread unsubstantiated accusations, misrepresent the truth, and defame Christian leaders. He connects these patterns to what he describes as a Leviathan and religious-spirit agenda that distorts truth, fuels division, and promotes a powerless expression of Christianity.In the episode, he encourages listeners to remain discerning rather than intimidated, to carefully examine accusations instead of accepting gossip, to reject character assassination rooted in theological disagreements, to honor faithful leaders, to peak out against slander when appropriate, and "hold the line" as the church approaches what he believes is a significant prophetic threshold.Then we ENCOURAGE you to do 4 QUICK THINGS!!Sign up to be a podcast memberwww.danduval.comBe sure to check out and like our new Facebook page: https://www.facebook.com/DiscoveringTruthNetworkSubscribe to the new podcast YouTube Channel: https://www.youtube.com/channel/UC5nxloF2rt7-dXkjppGHdFAAND Subscribe to our Rumble Channel, where we will post all of our interviews that are TOO HOT for YouTube!DiscoveringTruthNetwork (rumble.com)

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Jeff McKissack about participating and speaking at RIMS events, and his upcoming RIMS Texas Regional Conference session on August 11th in San Antonio, on the increasing overlap between reputation management and risk management. Jeff shares the critical impact of reputation risk and the growing threat of AI-generated content. He explains how even executives have caused reputational damage to their organizations, and he reveals a practical step that risk managers can take immediately to reduce the likelihood of reputation-related incidents and subsequent litigation. Justin and Jeff discuss the RIMS Texas Regional Conference, and how you can connect with Jeff after his presentation.   Listen for ways to implement reputation management strategies in your organization.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. We will be joined by Jeff McKissack of Defense by Design to talk all about reputation risk management. But first… [:39] RIMS-CRMP Workshop. We are delighted to announce that on August 27th and 28th, RIMS President Manny Padilla will be leading the two-day in-person workshop at St. John's University at 101 Astor Place in New York City. A link to the registration is in this episode's show notes. [:59] RIMS-CRMP Virtual Workshops. The next RIMS-CRMP Exam Prep with PARIMA will be held virtually on July 21st and 22nd. Registration links are in this episode's notes. [1:11] We have a summertime webinar. On July 16th, Zurich will present "Too Hot to Ignore: Heat-Related Injuries and Workers' Compensation." Register at RIMS.org/webinars and via the link in this episode's show notes. [1:25] Also on the webinars page, you will see a two-part series hosted by the RIMS Membership Department. The "Classroom to Career" webinar series highlights how RIMS equips students with the knowledge, skills, and connections needed to thrive in risk management careers. [1:41] Participants will gain insights into industry trends, career pathways, and practical tools that help them confidently step into the evolving world of risk management after graduation. These sessions will be hosted on September 1st and 9th. [1:55] These sessions are member exclusives and are complimentary for RIMS members, of course. So, if you are interested in becoming a member, this would be the time. Visit RIMS.org/membership. [2:04] You can enroll now in the Virtual RIMS CRO Certificate Program in Advanced Enterprise Risk Management hosted by the famous James Lam. Beginning July 15th, workshops will be held bi-weekly from 11:00 a.m. to 3:00 p.m. ET. The registration link is in the show notes. [2:28] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. Registration will open in July. Be on the lookout for the call for nominations for the RIMS ERM Global Award of Distinction. Visit RIMS.org/ERM2026 in July for that announcement. [2:49] RIMS is back on YouTube. Our handle is @RIMSOfficialChannel. We've got plenty of videos there, including RIMScast, RIMScast Canada video podcasts, and other informative and entertaining content from RIMS. Subscribe to the channel today! [3:08] On with the Show! Our guest today is the Founder of Defense by Design, Jeff McKissack, a noted authority in the fields of threat assessment and the prevention of violent crime, with over 35 years of experience. [3:22] Jeff provides continuing education seminars for those in the educational, medical, legal, financial, real estate, human resources, and risk management sectors. He is one of the favorite speakers in the RIMS Texas Chapters. [3:36] You can find him at the RIMS Texas Regional Conference 2026 on August 11th at 1:45, when he will present "How Reputation Management is Impacting Risk Management." [3:46] As you will hear in this interview, his session at the RIMS Texas Regional will dovetail with the Risks of Physical Harm and Violence. He's here to provide a preview of his session. [3:55] We talk about the Risk Management impact of social media, AI, and deepfake technologies on operations and profits, and how employee activity online and off the clock can ripple through staffing, operations, morale, productivity, profits, and brand image.  [4:10] This episode is a year in the making. Let's get to it! [4:12] Interview! Jeff McKissack, Welcome to RIMScast! [4:29] Jeff has a strong history with RIMS and the RIMS Texas Chapters. He has spoken at DFW RIMS on several occasions. Jeff Strege brought Jeff down to speak at Houston RIMS. He spoke at a couple of conferences co-hosted by South Texas RIMS. [4:59] Last year, Jeff was at the Inaugural Texas Regional RIMS Conference in San Antonio. He's there again this year. [5:15] Jeff loves RIMS, in general, because he doesn't have to explain himself. When he speaks to HR or risk management, his two favorite positions, even above the C-Suite, risk managers and HR directors totally get what he does and why.  [5:34] Jeff says the common response he typically gets is they've never met anybody who does what he does or speaks the language he speaks. He's heard it for 39 years. He loves speaking to people in risk and insurance companies because he speaks the language of liability. [5:54] Jeff does a lot of work with attorneys, as well, on both sides. He tells folks he's trilingual because of all these different industries. He's multifaceted. [6:06] Jeff talks about years of working with risk professionals and feeling their pain points. He reverse-engineers many of those scenarios. He asks, Where are the points where this could have been prevented, or at the bare minimum, mitigated? [6:43] A president of an association of independent electrical contractors called him for help. He asked, You have people working hours, in isolated locations, with expensive equipment on their trucks? What could go wrong? Without much of a push, he's able to jump in and help. [7:20] Jeff says there are only three types of businesses: businesses that have internal employees, businesses that have external employees, and businesses that have both. The risks for those three categories are very different from each other. [7:40] Jeff explains some of the differences in risks between having internal employees operating equipment and external employees in trucks on the road with equipment. There are different security concerns, risk concerns, and liability concerns. Address all the concerns. [8:16] Jeff recently saw a police video of a dump truck plowing through an intersection, with its brakes out, into a ravine. Fortunately, no one was killed. Why did the brakes give out? Who was responsible for checking them? They dodged a major bullet by nobody being injured or killed. [9:11] Jeff says he has three wheelhouses: physical risk, data risk, and reputational risk. He doesn't do active shooter training. He deals with factors that can lead to an active shooter before the shooting happens. He deals in prevention, not in reaction. [9:42] Jeff doesn't deal in cybersecurity but in data. He doesn't talk about people who hack your computers; he talks about people who hack your people. That bleeds over into reputation management. [9:57] Reputation management, with the internet and social media, has taken on a different dynamic. [10:07] Either your employees go online and self-incriminate themselves by putting something out there to the world that reflects upon your company, or they do something off the clock that can still have an impact on your company and its reputation. [10:22] Jeff mentions two courtrooms that we want to avoid: an actual courtroom, and the court of popular opinion. [11:01] Jeff says some things before social media still ended up being headline stories in the traditional media that reflected negatively upon employers. Social media has massively amplified that dynamic. [11:31] Jeff's talk is about how reputation management is impacting risk management. It will be held on August 11th at 1:45 p.m. during the RIMS Texas Regional Conference 2026. It examines how reputation management and risk management increasingly overlap. [11:53] Jeff says risk management and HR management often think that whatever happens off the clock is not on them — until it is. There was an Assistant District Attorney some months ago who walked out of a bar "two out of three sheets to the wind." [12:17] The cops wanted her to get an Uber and go home. She made a huge scene about it, captured on the bodycams. She ended up being arrested. "You don't know who I am. You can't do this to me!" The next day, not only was she fired, she lost her license. [12:33] There are YouTube channels devoted to police bodycams. People and companies suffer the reputational consequences of those videos. Once they're on YouTube, they go viral. [12:54] A lot of channels have hundreds of thousands to millions of views, reflecting on a company's public image, even though it was one of their employees off the clock. [13:40] Jeff says the biggest thing is education and training. We think people know what we know and the way we think. No, they don't. Jeff compares it to schools teaching social ills. As risk managers, you need to teach employees responsibility if you want to change their behavior. [14:40] Jeff says, Do not expect what you do not inspect. [14:50] A Quick Break! There are so many other wonderful RIMS events coming up in 2026. The Annual Florida RIMS Educational Conference will be held from July 28th through August 1st at the lovely Ritz-Carlton in Naples, Florida. A link to the event is in this episode's show notes. [15:09] Register now for the Second Annual RIMS Texas Regional Conference, which will be held from August 10th through the 12th at the Grand Hyatt on the San Antonio River Walk. Visit RIMS.org/Events for registration information. [15:26] The hotel cutoff date is July 10th. Reservations may still be made after the cutoff date subject to availability; however, the negotiated group rate is no longer guaranteed past July 10th, so reserve now. [15:40] The 11th Annual Chicagoland Risk Forum will return to the Old Post Office on Thursday, September 24th, 2026. Visit ChicagolandRiskForum.org for more information. [15:51] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. The agenda is live, and registration is open. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [16:08] Save the dates October 18th through the 21st. We will be in Quebec City to celebrate the 50th Live RIMS Canada Conference. Booth sales are open, and sponsorship opportunities are still available. Advance registration is open now. [16:24] Visit RIMSCanadaConference.ca for more information. Also, remember to check out RIMS.org/Canada for our spinoff show, RIMScast Canada, hosted by National Conference Committee Chair, Aaron Lukoni. [16:39] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. Registration opens in July. [16:49] Be on the lookout for an announcement about submissions for the RIMS Global ERM Award of Distinction. Visit RIMS.org/ERM2026.  [17:00] Let's Return to Our Interview with Jeff McKissack! [17:07] Jeff says some of these reputational concerns have been C-Suite executives. Jeff just taught about a mayor arrested in Kentucky for shoplifting a $70 pair of shorts at a department store. Jeff guesses the mayor felt he was owed those shorts. [17:32] Last week, Jeff was talking about a city manager in Texas who felt it was a good idea, when she took her employees to a conference, to take them to a local strip club that night. After a few drinks, she got up on stage and started dancing around the pole. [17:46] Somebody recorded that and put it on social media, and the city manager got fired. City managers aren't easy to come by. In risk management, we have to understand that when these types of things occur, they impact multiple areas, both immediately and simultaneously. [18:05] These incidents affect staffing, operations, morale, productivity, profits, and public image. Every one of those six areas has associated dollar figures. This is why reputation management now must be taken into consideration under risk management. [18:50] Jeff says if I get an employee compromised in a controversial, scandalous, or criminal situation, whether I capture them on camera, or if I create the environment for said compromise to occur, and I set them up to be on camera, do I have them in the palm of my hand? [19:25] Reputational concerns, if they're not addressed and talked about before, and an employee gets caught in something that happens or was made to happen, it can be used as blackmail to have them do things internally because they have access that outside parties want. [20:08] About a year ago, Jeff says a case made national news of a high school principal who was facing the wrath of his community because of a racial rant he was supposedly caught saying as the principal of a school with minority students. [20:27] It came out that the athletic director had taken a digital sample of the principal's voice, maybe from a voicemail, and created an entire verbal tirade from scratch. That was proven through forensics. [20:47] Meanwhile, the principal had almost lost his job and career and was facing physical threats to his family from the public over something that had never happened. That showed Jeff we were entering a new atmosphere. [21:03] Jeff says, Sora 2, one of the newer AI video platforms,  has already been called out for causing problems for police because people are creating videos of real people committing not-so-real crimes. With AI, it looks real. [21:19] Jeff describes a hypothetical situation where an AI video would be used to charge an employee of a crime, leading to an arrest and a record. Think of the liabilities you and your company would face. None of those are cheap. [22:02] Justin asks about verifying the legitimacy of a video. Jeff says there is software out there that does a pretty good job of figuring out if this video is AI-generated. [22:32] What camera captured the action? Was it an internal, company-owned camera, or something someone supposedly captured on a phone camera? One of those is more susceptible to manipulation. [22:53] Now, you have to be a little bit skeptical. Never has there been a more important time in our history to live by the adage, "Innocent until proven guilty." Jeff says a healthy dose of skepticism is called awareness. [23:50] Everybody has vulnerabilities. The first step in preventing a lot of these things from occurring is recognizing your own vulnerabilities, stereotypes, and false premises. Jeff says stereotyping is judging based on appearances; profiling is judging based on behaviors. [24:26] Jeff says you almost have to go into this blind, deaf, and dumb to do a true, analytical, unbiased evaluation. [24:34] Sponsorships! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. RIMScast is proud of its longstanding relationships with AXA XL, Global Risk Consultants, Alliant, Zurich, and more. [24:57] Links to many of these episodes are in the show notes. RIMScast sponsorships can be bundled with whitepapers and webinar sponsorships. [25:04] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! [25:18] Reach out to Ted Donovan at  TDonovan@RIMS.org or Sales@RIMS.org. Let's find the best opportunity for you and your organization. [25:30] Let's Conclude Our Interview with Jeff McKissack! [25:54] You can't do anything about the various AI generation platforms out there. People, for the most part, are using them for all the right reasons. The thing you have to be concerned about is if it's used to accuse someone of something. [26:10] Jeff describes speaking to the Society of Government Meeting Professionals. They are meeting planners for all the alphabet agencies, the Department of War, FAA, CDC, and more. Jeff has spoken at their annual conference for years. [26:26] Jeff told them, you're bringing all these people here for an annual conference at one place, at one time, under one roof. Who do you think might want to compromise someone there, so that by the time they return home, they've been puppeteered? [26:44] Jeff is getting these meeting planners to start thinking about security in a different way, and educating the people. [26:50] "Hey, we love having you here, but when you go out to bars and restaurants, here are some things you need to think of, because some people here may know who you are and what you represent by way of access." [26:38] Jeff says, if something happens, and they get lured back to a hotel room, for various things, and they get slipped a Mickey and pass out, and a couple of weeks later they get a video by text or email, they don't even know if it's a deep fake or not because they were blacked out. [27:27] These are things we all have to understand how easy it is. Jeff constantly admonishes employees, when he speaks at that level, to remember it's not about them. They may not have wealth, but they absolutely represent access to things that people want. [27:48] You have to understand that you may have a target on your back you don't realize you have. When people approach you, ask yourself, does everything that happens in Vegas stay in Vegas? Or does it stay on social media and YouTube? YouTube remembers. [28:50] Jeff shares something from his presentation. The first step is not the stopping point. The first step is "Do you have a social media agreement in writing that your employees have signed?" If not, you, HR, and your General Counsel need to get together and word-smith it, ASAP. [29:18] Jeff says he talked to a VP of a company with over 8,000 employees. When the VP was hired as a VP, he was paid to sign two documents. He was paid $50 to sign the NDA, so he wouldn't take the sales list if he left. He was paid $100 to sign their social media agreement. [29:39] The company was more concerned about him doing something that impacted its public image than about taking the client list. First step is to wordsmith that agreement and how you incorporate it into a Code of Conduct as far as the off-the-clock expectations. [30:08] Jeff shares a case from New York City where a young sitting judge had an OnlyFans page. He was fired for it and tried to fight it. He lost because the verbiage in the City Manual for his position said: "extra-judicial activities … do not detract from the dignity of judicial office." [31:02] Jeff spoke at a risk management conference. He showed three lawsuits that were settled in the last two weeks: $125K, $225K, $485K for employees at state and government universities, entities, and institutions over the Charlie Kirk assassination. They had been fired.  [31:20] They came back and sued for wrongful termination and got settlements because there was nothing written that dictated employee behaviors online. [31:45] You've got to have the paper trail or digital trail. If it's not in the Employee Handbook, add it as an addendum they sign, and put it in their file. [31:57] Next year, when new hires come on board, have it as part of the Employee Handbook, whether it's the social media agreement and/or your expectations/code of conduct. At the bare minimum, have those things in order. That's your starting point. [32:40] Jeff says when you hire someone, treat the Handbook like the Apple Agreement. Going into detail about the policy is best addressed in education and training. [32:59] Jeff talks not only to executives but also to employees. The biggest thing he is trying to get HR, Risk Management, and the C-Suite to understand is that if you're going to alter the behaviors, you've got to teach them what to do otherwise. [33:30] You're not going to get your employees to go cold-turkey on social media, but you can teach them to apply critical thinking skills so that they police themselves and you don't have to. [33:45] You have to do it in a way that tells them what's in it for them. People expect them to come home with a paycheck. Tell them all their plans can be interrupted if they do something foolish now. [34:39] Sometimes, Jeff does not have time in the session to take questions from the audience. He always tells folks he'll be around in the hallways because they may have questions they don't want to ask in front of everybody else there. Or, reach out to him on LinkedIn, or call him. [35:22] In this arena, a lot of people don't want to put out their concerns. Justin says Jeff is very approachable. He wears a hat, and it has become a branding point for him. Justin asked him for a headshot with the hat, to make him more recognizable, because people know him in Texas. [36:58] Justin asks about other cases involving social media outside of work. Jeff refers to the city manager who was let go because of a pole dance that showed up on YouTube, and the shoplifting mayor, also on YouTube. The judge had a side gig that was questionable behavior. [37:35] Jeff says some teachers have been fired over video where they had their kids in the background in the classroom while they were twerking, or dancing with kids. One teacher had his students give him a haircut in the classroom. [37:51] Jeff recalls the wording cited from the City Handbook about the dignity of the office. That covers a lot. Things like that are subjective, but most people know it when they see it. [38:15] Justin asks if we're in a society where you have to live your life assuming that everything is going to be broadcast? Jeff wouldn't say broadcast, but at least captured on camera. [38:25] When Jeff is doing employee training, he goes through cameras that are on the market. You're only thinking of the cameras you see. You are not thinking of cameras that could be out there, recording you. The ATM captures you and looks across the street. [38:52] When Jeff parks in maybe a questionable area, he always tries to find a Tesla. On average, there are seven or eight cameras around that Tesla. He'll take a picture of the license plate of the Tesla next to him, so if anything happens, he can give the picture to the cops. [39:38] Jeff says he relays to people, executives and employees alike, strategies, critical thinking. How do you use technology to your favor instead of having it used against you? [39:51] Jeff McKissack, thank you so much for joining us here on RIMScast. Jeff says he is looking forward to seeing you all in August! [39:58] Special thanks again to Jeff McKissack of Defense by Design. Be sure to attend his session at the RIMS Texas Regional Conference in San Antonio at the Grand Hyatt on the San Antonio River Walk on August 11th. [40:13] Jeff McKissack will deliver the presentation, "How Reputation Management is Impacting Risk Management," at 1:45 p.m. Be sure to follow up with him in the hallways afterwards and let him know that you heard him here on RIMScast. [40:27] Plug Time! Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [40:44] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [41:00] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [41:14] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [41:26] Practice good risk management, stay safe, and thank you again for your continued support!   Links: RIMS Texas Regional Conference 2026 | Aug. 10‒12 in San Antonio | Register Now! RIMS Risk Management Magazine | Contribute | Q2 2026 Issue Now Available RIMScast on YouTube! "RIMS-CRO Certificate Program In Advanced Enterprise Risk Management" | July‒Sept. 2026 Cohort | Led by James Lam | Register Now! 2026 Florida RIMS Educational Conference | July 28‒Aug. 1 | Register Now Spencer Educational Foundation's 2026 Funding Their Future Gala | Sept. 17, 2026 ChicagoLand Risk Forum | Sept. 24, 2026 RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today and Submit an Educational Session! RIMS Canada Conference — Oct. 18‒21, 2026 | Quebec City | www.rimscanadaconference.ca | Advance Registration Open | Sponsorship Opportunities Available RIMS ERM Conference 2026 | November 19‒20 in Columbus, Ohio | Registration Opens in July! | www.RIMS.org/ERM2026 Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! RIMS, the Foundation for Risk Management The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS-CRMP Stories RIMScast Canada — Episodes Now Live RISK PAC | RIMS Advocacy Defense by Design Upcoming RIMS-CRMP Virtual Workshops: RIMS-CRMP Exam Prep with PARIMA — Virtual — July 21‒22, 2026 RIMS-CRMP Exam Prep Workshop — Live In NY — Aug 27‒28! Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops   Upcoming RIMS Webinars: RIMS.org/Webinars "Too Hot To Ignore: Heat-Related Injuries and Workers' Compensation" | July 16 | Presented by Zurich "RIMS Student Series: Classroom to Career Part 1" | Sept 1 "RIMS Student Series: Classroom to Career Part 2" | Sept 9   Related RIMScast Episodes: "Strategy and Change with Ward Ching and Aaron Olson" "Mid-Year Risk Roundup 2026 with Morgan O'Rourke and Hilary Tuttle" "Live From Texas 2025!" "Leadership Lessons with Major General (Ret.) Robert F. Whittle Jr., RIMS Texas 2025 Keynote" "Risk and Clarity with Huw Edwards, RIMS Texas 2025 Keynote"   Sponsored RIMScast Episodes: "48 Hours From a Storm: What to Do Before A Hurricane Strikes" | Sponsored by Global Risk Consultants, a TÜV SÜD Company (New!) "AI-Scale, Risk Ready: Engineering Controls for the New Data Center Boom" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Facing Into Risk: Navigating the New Risk Landscape" (New!) | Sponsored by AXA XL "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against an Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Jeff McKissack, President, Defense By Design   Production and engineering provided by Podfly.  

Erin Somers is an author we've featured twice on Too Hot in the past, making her the first three-timer in the history of Too Hot! She's the author of the novels Stay Up with Hugo Best and The Ten Year Affair; the latter originated as a short story of the same title, which we did read on Too Hot. She's quite good at finding new ways to articulate the twists and turns of romantic relationships, as this story confirms. Reading this piece is Miriam Shor, an actor known for shows such as Younger and The Americans. She also featured in the recent hit film American Fiction and the Apple TV series Pluribus. Aparna Nancherla is our host. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Happy Thursday! It's Common Man & Beamer today, we recap Don Waddell's presser on Werenski, we recap Team USA's win over Bosnia, we play the latest Walker Texas Rangers songs, we chat about where LeBron will be playing next season, we're amazed at how much money Ronaldo is making for one year & we play some Too Hot audio.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews RIMS Vice President of Content & Publications, Morgan O'Rourke, and RIMS Risk Management Magazine Managing Editor, Hilary Tuttle, on the Q2 digital edition online now. The discussion starts with Hilary's Hurricane prediction and the risks associated with storms. They discussed the risks of applying AI in the risk industry, and how using it for the simple tasks means your remaining tasks are the hard ones. To get the best results, be polite to your AI! Justin asks about Red Teaming, its purpose, and how it operates. Human behavior is an important consideration in risk management.   Listen for pointers on what to do as a risk manager for the rest of 2026, and some things to avoid.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. This is our mid-year risk review, and we will be rejoined by Morgan O'Rourke and Hilary Tuttle. They are here to discuss the major trends shaping the risk landscape; what's happened so far in 2026, and what we can look forward to. But first… [:47] RIMS Virtual Workshops. The next RIMS-CRMP Exam Prep with PARIMA will be held virtually on July 21st and 22nd. Registration links are in this episode's notes. [:58] We have a summertime webinar. On July 16th, Zurich will present "Too Hot to Ignore: Heat-Related Injuries and Workers' Compensation." Register at RIMS.org/webinars and via the link in this episode's show notes. [1:13] Also on the webinars page, you will see a two-part series hosted by the RIMS Membership Department. The "Classroom to Career" webinar series highlights how RIMS equips students with the knowledge, skills, and connections needed to thrive in risk management careers. [1:29] Participants will gain insights into industry trends, career pathways, and practical tools that help them confidently step into the evolving world of risk management after graduation. These sessions will be hosted on September 1st and 9th. [1:42] These sessions are member exclusives and are complimentary for RIMS members, of course. So, if you are interested in becoming a member, this would be the time. Visit RIMS.org/membership. [1:52] You can enroll now in the RIMS CRO Certificate Program in Advanced Enterprise Risk Management hosted by the famous James Lam. Beginning July 15th, workshops will be held bi-weekly from 11:00 a.m. to 3:00 p.m. Eastern Time. The registration link is in the show notes. [2:16] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. Registration will open in July. Be on the lookout for the call for nominations for the RIMS ERM Global Award of Distinction. Visit RIMS.org/ERM2026 in July for that announcement. [2:37] RIMS is back on YouTube. Our handle is @RIMSOfficialChannel. We've got plenty of videos there, including RIMScast, RIMScast Canada video podcasts, and other informative and entertaining content from RIMS. Subscribe to the channel today! [2:55] On with the Show! We are in the middle of the year, and that means that it's time for our mid-year risk review with two of my favorite people, Morgan O'Rourke, RIMS Vice President of Content & Publications, and Hilary Tuttle, Managing Editor of RIMS Risk Management Magazine.  [3:14] Morgan and Hilary are joining us today to discuss some of the highlights of the Q2 Edition of RIMS Risk Management Magazine, which is available now. [3:21] We're going to talk about hurricane preparedness, reputation, red-teaming, AI, and other emerging trends that risk professionals should be aware of, avoiding, and embracing. We're going to have a lot of fun! Let's get to it! [3:35] Interview! Morgan O'Rourke and Hilary Tuttle, Welcome Back to RIMScast! [3:42] Justin mentions that the Publications Department is a team of five. After nine years, Justin is still the second-newest person. [4:29] Morgan says Risk Management Magazine has articles going up every week. Every quarter, they have a digital issue, reminiscent of a physical magazine, with pages and a table of contents. When this episode is released, the Q2 digital issue was published a week ago. [4:54] RIMS Risk Management Magazine has occasional special issues, on ERM and the Special RISKWORLD Awards Issue. Hilary says the Editor's Picks are articles you may have missed on the website. Morgan says it's sometimes new stuff, or archival stuff that's still relevant. [5:30] Morgan says they try to publish in a frequency and format that everybody can appreciate. Morgan and Hilary miss the physical print magazine. Justin thinks they've maintained the essence of the print magazine. Morgan says that's what the digital magazines are meant to do. [6:22] Morgan says print is not necessarily the way that everybody consumes things nowadays, so you've got to be where everybody's attention is, and that's what we're trying to do. [6:40] The Marquee article in the Q2 digital edition is Hilary's coverage of the 2026 hurricane season outlook. Hilary is well-versed in hurricane preparedness and seasonal outlooks. Hilary says this year, a lot of the forecasts are calling for a below-average season. [7:26] This year, Hilary focused on factors that will make the season different. She focused on macroeconomic volatility, geopolitical instability, and U.S. Federal budget cuts as some of the biggest complications this year that are making a fragile and challenging recovery landscape. [8:03] Hilary says we talk about increased prices in disaster materials, preparation materials, supply problems, and a Federal support system characterized by defunding or dysfunction, and what that means for risk managers tasked with hurricane preparation or recovery. [8:43] Hilary says, looking beyond the forecast, it's important to assess how your resilience strategy is going to hold up in practice. Even a single landfall is going to be more expensive, potentially. The cost may be higher than ever. Response materials are 40% more expensive. [9:28] Justin says we had a risk engineer from Global Risk Consultants on the show recently, talking about the physical preparations, 48 hours, 36 hours, and 24 hours before an impact. [9:56] Hilary says, between materials shortages and price increases, the supply chain is potentially going to be a huge problem for disaster preparation and responses. Getting things is difficult with the Strait of Hormuz closed. People are seeing it across industries and materials. [10:22] Some response materials are also going to be more expensive because of the increased cost of oil. Hilary found that interesting when reporting the piece. Generator fuel is drastically more expensive than it has been. [10:43] It's a best practice to have 72 hours' worth per generator on site, if you're in a high-risk area. [11:55] Materials that require petrochemical input include plywood and structural lumber. Boarding your windows is going to be more expensive, if you can get it. Transport costs are going to be drastically higher. [11:11] Heavy-duty plastic sheeting is a petrochemical-related product. Some products also use by-products of the crude oil production: polymers, petroleum derivatives, and plastics, like rubber seals. All of those will be more expensive as crude oil fluctuates. [11:40] Morgan says you have to prepare for increased costs. You may be underinsured for the costs of materials you may have insured for in the beginning. Be aware of increased costs and do what you can to prepare, whether by increasing coverage or buying more in bulk. [12:10] If you're going to face increased costs, the more you do beforehand to offset those costs is probably for the better. Hilary says she put together 10 detailed and useful tips. One thing that she bumped up the list is to revisit your insurance values and policy limits. [12:40] Hilary thinks the risk of underinsurance is worth underscoring this year. It is going to be drastically more expensive to rebuild. Make sure you have the coverage you need to cover those expenses and the expenses of potentially needing to relocate when things are closed. [12:56] Car parts are drastically more expensive, so if you operate fleets, it's worth noting that those metals are delayed and pricier because of tariffs and supply chain problems. [13:11] Hilary says it's also worth noting that we had Tropical Storm Arthur last week. It never reached hurricane strength, but it still managed to do four to six billion dollars in damage, according to initial estimates from AccuWeather. [13:27] Tropical Storm Arthur hit the Gulf Coast and did a lot of damage in terms of business interruption, delayed flights, and extended power outages. In terms of business continuity, it doesn't need to be a hurricane to do a tremendous amount of damage. [13:47] AccuWeather says the hurricane classification system is solely based on wind speed. Wind does not do as much damage as water. Storm surge, inland flooding, and water damage are not reflected in hurricane classification. We shouldn't just be concerned about hurricanes. [14:21] The peril and the need for preparation are just as dramatic for other storms. [14:28] Morgan notes that the storm season started on June 1st, and we had a billion-dollar potential damage storm within a week or so. Hilary says it's one of the earliest we've seen. [14:46] Morgan says they're usually more in the fall. In some years, we've seen tropical storms before the season. Storms are not necessarily confined to the Atlantic Coast. There are Pacific storms to take into account. [15:18] Morgan learned about Pacific storms from Hilary. In between Hilary's article drafts, there were three Pacific hurricanes that formed, so she had to update the story. The Super El Niño is the climate pattern that creates these storms in the Eastern Pacific.  [15:47] With the Super El Niño, you get more activity in the Eastern Pacific and less in the Atlantic because of warmer waters in the Pacific and more Trade Winds in the Atlantic that act to break up storm formation. [16:05] Parts of Central America, Mexico, and the West Coast are going to be at increased risk. Hawaii, as well. Morgan says one of the more impactful storms on the Pacific was named Hilary in 2023. Hilary was a billion-dollar storm that killed three people. [17:21] A Quick Break! There are so many other wonderful RIMS events coming up in 2026. The Annual Florida RIMS Educational Conference will be held from July 28th through August 1st at the lovely Ritz-Carlton in Naples, Florida. A link to the event is in this episode's show notes. [17:40] Register now for the Second Annual RIMS Texas Regional Conference, which will be held from August 10th through 12th at the Grand Hyatt on the San Antonio River Walk. [17:51] The 11th Annual Chicagoland Risk Forum will return to the Old Post Office on Thursday, September 24th, 2026. Visit ChicagolandRiskForum.org for more information. [18:01] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. The agenda is live, and registration is open. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [18:18] Save the dates October 18th through the 21st. We will be in Quebec City to celebrate the 50th Live RIMS Canada Conference. Booth sales are open, and sponsorship opportunities are still available. Advance registration is open now. [18:35] Visit RIMSCanadaConference.ca for more information. Also, remember to check out RIMS.org/Canada for our spinoff show, RIMScast Canada, hosted by National Conference Committee Chair, Aaron Lukoni. [18:50] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. Registration opens in July. [19:01] Be on the lookout for an announcement about submissions for the RIMS Global ERM Award of Distinction. Visit RIMS.org/ERM2026.  [19:12] Let's Return to Our Interview with RIMS Risk Management Magazine's Hilary Tuttle and Morgan O'Rourke! [19:31] Justin says artificial intelligence is on people's minds. It's evolved into a data governance and operational risk challenge. [19:52] Morgan's first reaction concerning AI is, "What else can we say about this?" There is a little bit of burnout about AI. Hilary says we get so many articles. Morgan says there does need to be attention paid. What are your AI use policies? Are your employees introducing risk with AI?  [20:42] Morgan says there was a cybersecurity survey cited in the issue. The biggest risks they are seeing are misinformation and disinformation. IT people don't consider themselves or their companies prepared to identify those risks across the board. Justin quotes that ISACA poll. [21:45] Hilary says you're seeing a lot of shadowy AI use; a lot of unlicensed and unsanctioned use. If your company allows you to use Copilot, but you're using ChatGPT and Gemini, that's unsanctioned use. [22:15] Morgan says dropping an entire report in that might be proprietary information, to distill that into a public environment; not just opening the program, but what you're putting into it, may be stuff that no one would want out. [22:31] Hilary says a recent study showed that 90% of organizations have employees who regularly use personal AI tools at work. Forty percent of companies have bought official subscriptions to AI services because they get different privacy protections than free versions. [22:51] Fifty percent of companies are running on shadow AI. They're either letting employees foot the bill by using personal subscriptions or using a free mode, and that's a disaster. One of the things a lot of organizations aren't thinking about is the cost of subscriptions and tokens. [23:10] A lot of companies that are starting to adopt AI at a large scale and are footing that bill are running into astoundingly large bills for these services and not factoring in that it is not free computing power. It is not a free tool. [23:28] Now that some of these companies are going IPO, if tools are free, they're not going to stay free. Morgan says, it's one of those things that, although it's not necessarily something you want to hear for the fifteenth time, it doesn't mean you shouldn't be doing something about it. [24:03] Hilary adds that hidden costs are a big thing people aren't thinking about. People are thinking about governance, which is incredibly important. The market for that is also booming. People have an interest in making you afraid of it, as well as selling it to you in the first place. [24:22] Hilary says, the governance market is going from $200+ million two years ago to an estimated three or four billion dollars by 2037. It's a huge industry to make you dependent on AI and to charge you to govern it or make it safer. [24:43] Hillary says we're seeing studies that companies have made huge investments in AI, and are not seeing an ROI. A recent study showed that 5% of organizations have had transformative ROIs. The other 95% said there is zero measurable impact on Profit & Loss, if not a net negative. [25:10] Hilary says one CEO said that unless it's for coding specifically, we're not going to get monetary value whatsoever out of AI. A lot of companies that have fired people are starting to reverse course really quickly. [25:24] Hilary says companies that make AI are walking back a lot of their claims about how transformative it's going to be. They had said there would be a job apocalypse because widespread job automation would be so easy. They're walking that claim back. [25:47] The COO of Uber said that gains in productivity were absolutely nothing compared to the increased AI-related expenses they are experiencing. They're walking back a lot of their investment. [25:58] The former Chief of AI at Microsoft said that employees default to automating tasks that they dislike, rather than ones that create value. Morgan says it speaks to being practical about what you're going to get out of it, as opposed to it being a magic button to press. [26:28] Morgan says that in the early going of anything, there's a spike of promise and then reality kicks in. AI is not going to be tossed aside. Hilary says there's a hype bubble around AI, that AI is for everything, and that AI would replace everyone. Companies are laying off. [26:59] Hilary says last year, 125,000 tech workers lost their jobs. In 2026 through June, already 120,000 tech workers have lost jobs. We are seeing an overinflated promise of what AI is going to be. People are slowly beginning to realize AI is to augment employees, not replace them. [27:25] Morgan says there's a push for "the human in the loop." People have come to recognize that we can't leave people out of this, if only to check the accuracy of results. You can't replace workers because there's stuff that the AI can't do. [27:42] Morgan says AI is always going to tell you what you want to hear. It's going to give you stuff that's already out there. It's not giving you new information; it's just distilling it differently. [27:55] Hilary says there's an important core competency people need to be developing now. Taking a quick look at a thing and saying it makes sense is not an adequate amount of oversight to provide for things you're using AI for, particularly as you start using it more and more. [28:14] AI is structured to give you things it thinks you want, or to predict what you would do. The results may seem well-written, but you must pay attention to what's in it and whether it makes sense. [28:33] Hilary says some people submit stories to RIMS Risk Management Magazine that simply restate things; they don't explore ideas. With AI, don't just look to approve it; look to assess it and analyze what it is doing before you put it forward. [29:14] Hilary says, to be very clear, RIMS Risk Management Magazine does not accept articles that are written by AI. When it comes to articles about AI, they've seen just about everything. [30:11] Morgan says he would probably be interested in practical use cases that are not promotional, if somebody found some success using AI, that fellow risk professionals could benefit from, as well, and not something so proprietary that it only works for their company. [30:26] Morgan says it should be something like where AI might be able to help risk managers in general. A lot of people are using AI for different things. It's not about the only best practice, but helping the magazine establish a list of best practices for AI in the risk process. [30:50] Hilary says it's also helpful to get articles that have practical guidance on what people are using that is useful in terms of governance. How are they crafting effective policies? [31:01] How are they working to train their workforce on best practices so they're using AI responsibly and getting the most out of it? How are they exploring the ideas of customization, if that is something their company is doing in-house? Practical articles. [31:17] Hilary says she is seeing a lot of articles on legal exposure and how that is shaping up since all of the case law is so nascent. What are the exposures? What are the liabilities other organizations are learning in real time that you can start guarding against? [31:35] Morgan says there are a lot of cases working through without a lot of precedent. Some of these cases will become precedents. Four years ago, everyone was talking about basic, general risks. Now we are talking about specific risks of real applications. [32:04] Hilary says there is interest in the costs of AI. That's underexplored and would be interesting to read about. Are companies seeing that it's having impacts they haven't anticipated? Every prompt you give to ChatGPT, even 'thank you," is a payment to OpenAI. [32:54] Hilary says a study showed that 80% of people are saying "please" and "thank you" to the AI because they don't want to make it angry; 18% are doing it because they say it's just the right thing to do. Hilary puts "thank you" at the end of a prompt, so it's not an extra prompt. [33:22] Hilary says, some AI platforms perform better when you talk to them politely. ChatGPT will give you more coherent, nicer, and polished answers if your input is polite. Morgan refers to the Terminator movies. Hilary says, You want to be polite, but you don't want to be empowering. [34:02] Hilary says, in a video from the American Psychological Association, a professor from Michigan State talked about the underappreciated problem with AI, that if you automate the easy parts of your job, then 100% of your job is the hard parts, a guaranteed ticket to burnout. [34:39] You've made the easy wins and the low-level stuff that your brain needs to recover, a part of your job that you don't get to do. You don't get those bits. Everything is complicated, difficult, and exhausting. That's not how the brain is designed to function. [35:00] Morgan says, We don't want AI to do the fun or easy stuff. Hilary says, Think of a call center. If it's a simple thing, like "What time do you open?", or "Do I have a warranty?", AI can close them easily. That leaves you with a furious customer yelling at you for 20 minutes. [35:25] If that's all you do, all day, every day, what is your life going to be like? Then you start putting things on hold because you need a second. If your goal was efficiency, you're not making it more efficient; you're adding more buffer time because you can't handle that all the time. [35:59] Another Quick Break! The Spencer Educational Foundation's Funding Their Future Gala 2026 will be held on September 17th in New York City at the Waldorf Astoria. This year, Spencer will honor Sierra Signorelli of Zurich and our recent guest, Marya Propis of RT Specialty. [36:19] A link to the Gala is in this episode's show notes. [36:21] We have reached the deadline for the Spencer Educational Foundation's Risk Manager on Campus submissions. Grant awardees, colleges, and universities are typically notified in September. [36:37] General Grants are open, and the application deadline is July 30th. Internship Grant applications open on August 15th and close on October 15th. [36:48] Links to each of these grants are in this episode's show notes. Visit SpencerEd.org for more information. [36:56] Let's Conclude Our Interview with Morgan O'Rourke and Hilary Tuttle of RIMS Sisk Management Magazine! [37:09] Morgan and Hilary have released the Q2 Digital Issue of RIMS Risk Management Magazine. There's an article about red teaming. Morgan says Red teaming is conducting a crisis simulation. You have a team that is the adversary, challenging your assumptions and plans. [38:04] Hilary says they are immersive exercises that involve some form of offense and defense. It's basically wargaming. [39:10] The feature on reputation red teaming suggests that organizations need to prepare for the first 48 hours. In a crisis, it's the first 48 hours of the crisis as much as the crisis itself. [39:40] Morgan says social media is going to amplify the impact of a crisis immediately. Consider the knee-jerk reactions you see online to anything that's happening. If your company loses control of the narrative, people are telling a story that isn't your story and isn't accurate.  [39:55] Morgan says there was a story that Jeff Bezos had said that we should be using water for AI purposes rather than human consumption because AI will solve more problems. But Jeff Bezos never said that. Social media amplifies something before people question its validity. [40:37] Morgan says we're in an environment where "crazy," more often than not, sounds possible. Hilary says social media is a force multiplier for a lot, particularly when there are zero content moderation controls, leading to misinformation, disinformation, and hate speech. [41:04] Morgan points out that even with moderation, something can be put up and seen before it's moderated. The Bezos story is on Snopes that it's not true, but how many people follow up a story like that after they see the headline? They might not know where they saw it. [41:34] The point of throwing these reputation red teaming exercises together is to acknowledge the fact that not only do you need a plan, but the plan has to be in place to be able to move quickly. [41:44] When it comes to a crisis that happens within your organization, one of the biggest parts of it is the reputation elements. People run with it, "Not only is this a bad thing an organization did, or a questionable thing, but they're terrible for it and irredeemable." [42:04] If you can't put out a statement in the first 12 hours after something happens, because you weren't ready for it, that means you entirely miss out on any opportunity to correct that misinformation and be a part of the narrative that actually steers the conversation. [42:30] Morgan speaks about attention spans. People see a headline and then move on to the next headline. Your first impression may be their only impression. Act quickly. Have the people in place and the plans in place. The exercise is for people to poke holes in your plan. [42:59] Justin says it's a good article, and the author, Ted Skinner, gives you actionable takeaways. Morgan likes the article but had not heard of red teaming. [44:05] Hilary says red teaming is very common in cybersecurity. This is the first time they have run across it in other applications. [44:48] Justin brings up human behavior. It's in the Q2 issue. It permeates every risk. You can't just let AI do your job for you; you have to put a human perspective and input into it. Human behavior impacts employee misconduct. There was an article on it in the RIMS Weekend Read. [45:17] Employee misconduct is on the minds of risk professionals and executives. [45:27] Morgan says culture is a good stopgap measure to have. A risk manager can't be everywhere at once. If your organization has a risk-aware culture, it can stand in for you when you're not around. If everyone's aware of risk, you don't have to be the only person watching. [46:02] Hilary says culture is your sunscreen. It's your everyday, it's your automatic. It's the thing that you need to do to prevent the majority of photoaging and skin cancer. Some of the more subject-specific areas are your serums to spot treat your hyperpigmentation and redness. [46:21] It depends on what your specific skin is like. Are you focusing on wrinkles? Are you adding antioxidants? The sunscreen is the thing you need every day, as it covers the vast majority of problems. [47:05] Morgan says the human element is always necessary to interweave into all of this because it's one of the things you can control. You can't control geopolitical events or storms, but you can control whether or not you put the sunscreen on. [47:25] You can control whether or not you have plans in place for any disaster. That's what allows you to sleep at night. You can do something in an environment where it feels like nothing can be done. That can get overwhelming. [47:42] Hilary says part of overcoming that overwhelm is the empowerment that comes with educating yourself and doing the work. You can't control geopolitical risk. What does that mean for your organization? What does that mean for your cost of materials? [48:06] It takes time, and it's not glamorous to look up how much asphalt we use in a year. The stuff that keeps all the gravel together in asphalt is a by-product of oil production, and drastically increases in price. What does it mean if your supply chain is going to be drastically delayed? [48:33] Those are the ways you can empower yourself and make a difference within your organization with some of these big, ephemeral risks. You need to think, What does this mean for us? [48:49] Hilary says one of the things we evaluate with our goals and the single most common edit note that I give on submitted articles, is "So, what? Yes, that is a risk. What does it mean for you? What do you do about it? What consequence does this have for your organization?" [49:20] Those questions are the distinctions between an article I read and an article I publish. Those are the distinctions between a risk manager who is informed and a risk manager who is empowered. [49:55] Justin asks, based on the Q2 issue of RIMS Risk Management Magazine, and on what they heard and saw at RISKWORLD 2026, what actions should risk managers take before the end of 2026? [50:12] Morgan says it depends on where you come from and understanding where risks exist, for you, and breaking it down to the things you can control, looking at where all these big-picture things intersect your business. [50:33] That comes down to strengthening your fundamental risk management practices to make sure you don't lose sight of the basics. [50:47] There is some talk of the property insurance market softening. That may give you more funds to invest in training or in infrastructure improvements. At least, reassess your policy's terms and conditions and see if you might take advantage of pricing. [51:12] Those are the fundamentals of risk management. In a time when everything is crazy, when it's a polycrisis environment, those are the things you're going to have to do; otherwise, it will get too crazy to look at all the big stuff. [51:34] Hilary agrees. Focus on localized impacts, whether it's the impact of the supply chain disruption on your business, or a storm, or inflation, and also, work on your skill set, learning to have a critical eye when it comes to how and if you're using AI, and what it's being used for. [52:00] Hilary says there's a 56% wage premium for workers with AI skills, according to PWC. A lot of self-improvement and educational things are critical to doing your job well now, but they also set you up to be more prepared career-wise. [52:16] Hillary touches on thinking about what some of these impacts do to your workforce. AI is a tremendously stressful and confusing one for your workforce, so redirecting some money into training programs is a great option. You'll have a better workforce, and they'll feel better. [52:41] Studies show that the more training you offer, the less resistance you get when it comes to tool integration, and the better outcomes. [52:51] When it comes to storm season, you're dealing with a standing inflation, but so are your workers. If they can't afford plywood to board up their houses, that's also a problem. If they are displaced, you have a displaced workforce, and that means business interruption. [53:07] What can you do to assist? Is that ordering things in bulk, so you have some purchasing power to help them obtain supplies? Is that providing emergency kits so they are prepared at home, and you have a more prepared workforce that comes back to work sooner? [53:28] Think small when the big stuff is a little too big. [53:41] Morgan says, the other side of the coin is to avoid getting distracted by headlines that maybe don't have as much relevance. Educate yourself to know what technology works for you. If you just take things on faith, that may not be fit for purpose for you. [54:14] Hilary says a wait-and-see approach with a lot of emerging technology is proven to be the best course of action, and Hilary recommends it. Focus on augmenting employees, not replacing them. [54:36] According to Gartner, 50% of AI layoffs are going to be reversed by 2027. A lot of people who acted fast and cut people because they overestimated the impact of AI are going to be hiring those people back, and probably for more money, not to mention retraining costs. [55:02] Some people are calling it a layoff boomerang. It's coming back. Those who were not overly hasty are the ones who will fare better in the long run. That's an important lesson to keep in mind when it comes to making some of these decisions, going forward. [55:28] Morgan says, nobody would have said we're going to have a war that's going to dominate all the headlines. Hilary says, if you told me there was going to be a war, Iran wouldn't have been my first guess. [55:42] Morgan says, We're starting storm season. We're anticipating it being a mellow storm season. It doesn't mean it will be. It's the nature of the game that there are a lot of unanticipated things. [55:57] Hilary says a dry hurricane season comes with increased dryness, which means increased wildfire risk. It's always something. It's either flooding or it's burning. Which you prefer is largely subjective. [56:24] Morgan says it's one of those years where it's tough to predict anything, because every day it's something new, which is what keeps risk management interesting. Hilary agrees. Morgan says he's still interested. [56:49] Justin says, It's been great to have you rejoin us. It's always fun! These are some of my favorite episodes to produce. Everyone, go to RMMagazine.com. RIMS members get access to the "turn the page" edition, but anyone can view a lot of the articles online. [57:11] The Awards issue is also at RMMagazine.com and RIMS.org/Awards. There's a listing of the folks who won, as well as links to the issue itself, where you can read more about those individuals. Learn editorial guidelines for contributing articles at RMMagazine.com/Contribute. [57:39] Hilary says There are also our Topics pages, if you want any subject-specific coverage. It's a great way to navigate within the website. Natural disaster things don't vary that wildly, year to year, when it comes to preparation best practices. [57:58] In submitting article pitches, keep in mind that Hilary will ask, "So what?" If you're submitting something, ask yourself that. So what? Why should somebody care to read this? [58:29] Justin says, Look at her Hurricane Outlook, and the Red Teaming article for good examples of what we're looking for. The Hurricane Outlook is far more in-depth than what we're expecting from the typical outside contributor, but it should give you a good starting point. [58:46] I'd like to congratulate you on another wonderful quarterly edition of RIMS Risk Management Magazine. I look forward to seeing you at upcoming RIMS events, and thank you so much for joining us. [59:00] Special thanks again to Morgan O'Rourke and Hilary Tuttle for joining us here on RIMScast again. The Q2 Edition of RIMS Risk Management Magazine is now available on RMMagazine.com. [59:12] If you want to contribute, check out RMMagazine.com/Contribute for the editorial guidelines. You can reach out to Morgan O'Rourke and Hilary Tuttle. And our Editor, Jennifer Post there, as well. [59:23] We're certainly going to have them back for our Year in Review episode of RIMScast, but if and when major news happens, or I run out of guests, they just may come back and rejoin us here on RIMScast.  [59:36] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [1:00:04] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [1:00:22] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [1:00:40] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [1:00:56] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [1:01:10] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [1:01:22] Practice good risk management, stay safe, and thank you again for your continued support!   Links: RIMS Risk Management Magazine | Contribute | Q2 2026 Issue Now Available RIMScast on YouTube! RIMS-CRO Certificate Program in Advanced Enterprise Risk Management | July – Sept. 2026 Cohort | Led by James Lam | Register Now! 2026 Florida RIMS Educational Conference | July 28‒Aug. 1 | Register Now RIMS Texas Regional Conference 2026 | Aug. 10‒12 in San Antonio | Register Now! Spencer Educational Foundation's 2026 Funding Their Future Gala | Sept. 17, 2026 ChicagoLand Risk Forum | Sept. 24, 2026 RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today and Submit an Educational Session! RIMS Canada Conference — Oct. 18‒21, 2026 | Quebec City | www.rimscanadaconference.ca | Advance Registration Open | Sponsorship Opportunities Available RIMS ERM Conference 2026 | November 19‒20 in Columbus, Ohio | Registration Opens in July! | www.rims.org/ERM2026 Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! RIMS, the Foundation for Risk Management The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS-CRMP Stories RIMScast Canada — Episodes Now Live RISK PAC | RIMS Advocacy Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam Prep with PARIMA July 21‒22, 2026 Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops   Upcoming RIMS Webinars: RIMS.org/Webinars "Too Hot To Ignore: Heat-Related Injuries and Workers' Compensation" | July 16 | Presented by Zurich RIMS Student Series: "Classroom to Career Part 1" | Sept 1 RIMS Student Series: "Classroom to Career Part 2" | Sept 9   Related RIMScast Episodes: "Emerging Risks and AMRAE's RMIS Panorama 2026 with François Beaume" "Strategy and Change with Ward Ching and Aaron Olson" "RIMS Risk Manager of the Year Jeff Bray" "Board Reporting and ERM in 2026 with Trisha Sqrow and Suzanne Christensen" "Risk Outlook '26 with Morgan O'Rourke and Hilary Tuttle" (Jan 2026)   Sponsored RIMScast Episodes: "48 Hours From a Storm: What to Do Before A Hurricane Strikes" | Sponsored by Global Risk Consultants, a TÜV SÜD Company (New!) "AI-Scale, Risk Ready: Engineering Controls for the New Data Center Boom" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Facing Into Risk: Navigating the New Risk Landscape" (New!) | Sponsored by AXA XL "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Morgan O'Rourke | Vice President, RIMS Content & Publications Hilary Tuttle | Managing Editor, Risk Management Magazine   Production and engineering provided by Podfly.

Happy Thursday! We had some special burgers made just for us, we recap Don Waddell's thoughts on Werenski's future with the team, we go Around the Big Ten with ESPNs Adam Rittenberg, CBJ acquire Valeri Nichushkin & we give you some Too Hot audio.

In this episode of Discovering Truth with Dan Duval, Dan tackles one of the most contested questions in the body of Christ: Does the Bible endorse women as preachers, teachers, pastors, apostles and prophets?  Dan cuts straight to the chase — he believes in ministry through men and women of God and embraces it fully at Bride Ministries. But the question is why, and for those wrestling with specific passages in Scripture, he walks through the biblical evidence step by step.This teaching examines the two primary passages used to restrict women in ministry — 1 Corinthians 14 and 1 Timothy 2 — unpacking the original Greek, the cultural context Paul was addressing, and what "keep silent" actually means. Dan then moves through both Testaments to show that every office of the fivefold ministry has been occupied by women, from Miriam and Deborah in the Old Testament to Priscilla, Dorcas, the woman at the well, Philip's daughters, and Junia in the New.  If you've sat in a seat wondering why women are in ministry, or you've just gone along with it without a solid biblical foundation — this episode gives you that foundation.Learn more about Bride Ministries Institute here:https://www.bridemovement.com/instituteThen weENCOURAGE you to do 4 QUICK THINGS!!Sign up to be a podcast memberwww.danduval.comBe sure to check out and like our new Facebook page: https://www.facebook.com/DiscoveringTruthNetworkSubscribe to the new podcast YouTube Channel: https://www.youtube.com/channel/UC5nxloF2rt7-dXkjppGHdFAAND Subscribe to our Rumble Channel, where we will post all of our interviews that are TOO HOT for YouTube! DiscoveringTruthNetwork (rumble.com)

Too Hot to Live: Why Your Strata Can Say No to AC Tony Gioventu, Executive Director of the Condominium Home Owners Association Learn more about your ad choices. Visit megaphone.fm/adchoices

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Johnell Holly about growing up in Compton, serving in the military, and eventually becoming one of the most senior leaders at FM. They discuss experiences that shaped his mindset and lessons from his early years that still guide his leadership. They discuss what Johnell learned in the military that influences his decision-making. Johnell explains why he left the military and how he started working for FM. Johnell shares his life advice: choose the hard things; they will prepare you for opportunities to improve yourself. Johnell relates his early experience in sales and how it shaped his career. Lastly, they discussed the Spencer Educational Foundation and how Johnell became involved.   Listen for advice on overcoming hard circumstances and showing up at your best.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. Our guest is Johnell R. Holly, the Executive Vice President for U.S. and Latin America Operations at FM. He is also the Board Chair for the Spencer Educational Foundation. We will learn about his career and leadership philosophies. But first… [:47] RIMS Virtual Workshops. The next RIMS-CRMP Exam Prep with PARIMA will be held virtually on July 21st and 22nd. Registration links are in this episode's notes. [:58] We have a summertime webinar. On July 16th, Zurich will present "Too Hot to Ignore: Heat-Related Injuries and Workers' Compensation." Register at RIMS.org/webinars and via the link in this episode's show notes. [1:13] Also on the webinars page, you will see a two-part series hosted by the RIMS Membership Department. The "Classroom to Career" webinar series highlights how RIMS equips students with the knowledge, skills, and connections needed to thrive in risk management careers. [1:28] Participants will gain insights into industry trends, career pathways, and practical tools that help them confidently step into the evolving world of risk management after graduation. These sessions will be hosted on September 1st and 9th. [1:42] These sessions are member exclusives and are complimentary for RIMS members, of course. So, if you are interested in becoming a member, this would be the time. Visit RIMS.org/membership. [1:52] You can enroll now in the RIMS CRO Certificate Program in Advanced Enterprise Risk Management hosted by the famous James Lam. Beginning July 15th, workshops will be held bi-weekly from 11:00 a.m. to 3:00 p.m. Eastern Time. The registration link is in the show notes. [2:16] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. The deadline for session submissions was extended through June 26th. Visit RIMS.org/ERM2026 to get those final submissions in. Registration will open in July. [2:37] RIMS is back on YouTube. Our handle is @RIMSOfficialChannel. We've got plenty of videos there, including RIMScast, RIMScast Canada video podcasts, and other informative and entertaining content from RIMS. Subscribe to the channel today! [2:56] On with the Show! Our guest today is Johnell Holly. He is the Executive Vice President for U.S. and Latin America Operations at FM. He is also the Board Chair for the Spencer Educational Foundation. [3:10] Johnell caught my attention last year at the Spencer's Funding Their Future Gala, which this year will be held on September 17th at the Waldorf Astoria in New York City. [3:21] I found Johnell's career journey to be incredibly inspiring. He is here to discuss his path from humble upbringings to the military to the risk and insurance space and ultimately to philanthropic missions and leadership with Spencer. [3:36] I'm confident this dialogue will resonate with anyone who feels the odds are against them and is looking for extra motivation to overcome and choose the hard challenges in life and career. Let's get to it! [3:39] Interview! Johnell Holly, Welcome to RIMScast! [4:10] Johnell says he is absolutely thrilled for the Spencer Funding Their Futures Gala. It's one of the premier events of the year. Every year, it seems to get better and better, and it continues to achieve new heights. Johnell is excited to see where it goes this year and into the future. [4:51] Johnell comes from Compton, a rough neighborhood. Johnell wanted something different from how he grew up. He wanted to get a very good education. So he went to the United States Military Academy to get a very good education from a very high-profile institution. [6:01] Johnell started at the Academy in 1990 and graduated in 1995. In 1995, Johnell went into the Army as a commissioned officer and was in the Army until 2001. His last day of Active Duty was the week prior to 9/11. [6:47] Justin thanks Johnell for his service. [7:07] Johnell says there's a lot of what he does today that relates to his military education. He says there's also a lot from his childhood that helped him along his career, including his desire to improve himself. [7:27] Johnell says some things in the military resonated with him that made it very easy to be more successful outside of the military, such as the work ethic and making the choice to do the harder things when they present themselves. [7:52] Johnell says, it's like doing the harder military school. Once you get that done, everything else is a bit easier. Johnell says that taking a tough assignment or job within FM, he knows that if he does a job that no one else wants to do, he will have what most people won't have. [8:11] Johnell says he did things like that deliberately over the years. His mantra would be, Always choose hard, and hopefully, you get to a point where that no longer has to happen. [6:25] Justin heard a speaker say that if you have six things coming up, one of them is the tough one, and five of them are easy ones, people will choose the five easy ones first, before they get to the tough one. Justin says Johnell chooses the hard one first before the five easy ones. [8:55] Johnell agrees, not just in his career; he learned it very young. When he was young, he didn't like how he was showing up. He knew he needed to position himself with more strengths. [9:17] The only way Johnell was going to get those strengths was to do all the things he was afraid to do or hated to do. He had to face fears, get over them, and get through the hard stuff. He teaches his kids that today. [9:32] Johnell has five kids. The three oldest are girls. The oldest also graduated from Wespoint and is serving. The daughter below her is on a destroyer right now in the Mediterranean, so she's in the war. [10:02] Johnell has two sons. Both of them are in the top 15 or 20 in the nation for football. One is a redshirt freshman at Michigan, and the other will head out to FSU and Georgia in the next week for his official visits. He'll pick one of them. [10:31] Johnell talks to his daughters in the service regularly. [10:42] Justin asks about NIL deals for Johnell's sons. Johnell says the NIL deals are peanuts compared to the insurance negotiations he does daily. [11:07] When Johnell left the Army, insurance was definitely not on his radar. He was being asked by the military to go back and get his Master's. That meant leaving the state of Washington, where he was assigned. He didn't want to leave; he had things to take care of. [11:38] Johnell needed to look and see what other options were out there. He went to a headhunter. He interviewed for five or six companies, and all of them made an offer. One of them had a position in Seattle, where he wanted to be. [12:05] After some negotiation, Johnell decided to give it a go as a consultant engineer, an entry-level position, for FM. He wasn't aware it was an insurance company. He thought he was going into engineering. Coming directly from the military, he wasn't familiar with business. [12:36] Once Johnell got into FM, he realized that it was an insurance company. Once he saw that, he was very interested in that side of the business and wanted to get over to it very quickly. By 2002, Johnell had moved to the insurance side of FM. [13:31] Johnell says, early on, risk management and insurance had been thought of as a secondary thought to business. Understanding of the hazards and operating to reduce those hazards didn't exist at the levels that it does today. [14:11] Today, thinking about risk and ensuring that you are resilient is no longer optional. You cannot just hope that things aren't going to go wrong. You have to assume that things are going to go wrong. Those who do that well will be more successful. [14:35] A Quick Break! There are so many other wonderful RIMS events coming up in 2026. The Annual Florida RIMS Educational Conference will be held from July 28th through August 1st at the lovely Ritz-Carlton in Naples, Florida. A link to the event is in this episode's show notes. [14:53] Register now for the Second Annual RIMS Texas Regional Conference, which will be held from August 10th through 12th at the Grand Hyatt on the San Antonio River Walk. [15:05] The 11th Annual Chicagoland Risk Forum will return to the Old Post Office on Thursday, September 24th, 2026, in Chicago. Visit ChicagolandRiskForum.org for more information. [15:15] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. The agenda is live, and registration is open. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [15:32] Save the dates October 18th through the 21st. We will be in Quebec City to celebrate the 50th Live RIMS Canada Conference. Booth sales are open, and sponsorship opportunities are still available. Advance registration is open now. [15:48] Visit RIMSCanadaConference.ca for more information. Also, remember to check out RIMS.org/Canada for our spinoff show, RIMScast Canada, hosted by National Conference Committee Chair, Aaron Lukoni. [16:03] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. The deadline for educational content submissions was extended to Friday, June 26th. Get submissions in now. The link is in this episode's show notes. Registration opens in July. [16:25] Let's Return to Our Interview with Johnell Holly! [16:33] At the start of working for FM, Johnell was doing client service and sales. Johnell was a captain when he left the military. He was in a position of authority with a good amount of autonomy. Coming to FM, he was older than his peers, who had come straight out of college. [17:13] That maturity was pretty key. The best thing Johnell learned in the military is that rank doesn't matter. What matters is how you treat people, not just the people you work with every day, but how you treat every person you interact with. [17:42] If you can do that well, and recognize that we're all the same, looking for the same stuff, trying to achieve the same things. Johnell says to put it all into perspective and take that approach in how you deal with people. Relationships are king in the military and in life.  [18:27] Johnell really wanted to do well in the job he was in. He says, if you do well, if you put your heart, effort, and everything else into what you're doing, it gets recognized. Folks want that experience and expertise in other areas. That's how you create opportunities for yourself. [19:17] Johnell has had a lot of different jobs at FM. Probably the most difficult job was sales. Johnell is a very deliberate person. He likes to be strategic and very planned in how he approaches things. He says, in sales, you have to be a lot more fluid, with a lot less structure. [19:49] Johnell doesn't think it has to be that way. Sales, to be most effective, should have quite a bit of structure, but in the early days, that didn't exist. [19:57] That was not the best environment for Johnell, but it taught him again how to manage through situations, overcome them, and get better at them. It was much like choosing hard, although that wasn't his intent. [20:28] It was one of the most developmental roles of his career at FM that put him in a position to be in the roles that he is in now. [21:25] Justin says it's fascinating to see who succeeds in sales and who goes on to do other things. Johnell says, You've got to be resilient. You've got to be able to take a lot of No and be okay with that. It was all cold calling, lighting them up, and getting in the door. [22:03] Another Quick Break! Johnell Holly will be at The Spencer Funding Their Future Gala 2026 in New York City at the Waldorf Astoria on September 17th. This year, Spencer will honor Sierra Signorelli of Zurich and last week's guest, Marya Propis of RT Specialty. [22:31] A link to the Gala is in this episode's show notes. [22:34] The Spencer Educational Foundation's Risk Manager on Campus application period is now open, and it will close on June 30th. Grant awardees, colleges, and universities are typically notified in September. [22:52] General Grant applications are open, and the application deadline is July 30th. Internship Grant applications open on August 15th and close on October 15th. [23:04] Links to each of these grants are in this episode's show notes. Visit SpencerEd.org for more information. [23:12] Let's Conclude Our Interview with Spencer Board Chair Johnell Holly! [23:30] Johnell says selling remains difficult. FM is not a sales-focused organization. FM needs sales; it's critically important, but FM is about client retention and building client relationships. [24:17] Before a salesman for FM can sell a policy to a company, the salesperson needs to get internal sign-off for various reasons that the company is a good fit for FM. Johnell says there's more structure in FM sales policy today. More training is done for successful selling. [25:39] Johnell says that from the first day he started with FM, RIMS was a part of the conversation. Johnell's participation was in attending some of the local RIMS events when he was on the West Coast. Johnell started in Washington and then went down to LA. [26:10] Johnell had attended Western Regional RIMS and Los Angeles RIMS events. Johnell says that he had been with FM for almost 15 years before he really became aware of Spencer. Today, Spencer is out there much more, creating education and awareness for the industry. [26:59] Johnell says that for Spencer to create awareness for students, everyone in the industry needs to know about it. Spencer is at a point where it is recognized as a foundation throughout the insurance industry. [27:18] Johnell says that Spencer needs to be recognized even outside of the insurance industry, as much as possible, and he thinks it is on its way. It's been a buildup of all the efforts and work, back to Robert S. Spencer himself, that have led to where Spencer is today, and it will continue. [28:03] Johnell says his involvement with Spencer came when Brian Callori, who was one of the Chairs and who also worked for FM, thought that it would be a good fit and a great opportunity for Johnell to be a part of it. He suggested that Johnell be recommended to join the Board. [28:31] Johnell joined the Spencer Educational Foundation Board. Within the first couple of meetings, Johnell realized that they could do things better, and he started speaking up about it. He only wanted to help the organization do its best. They asked him to do as he suggested. [28:57] Johnell joined the Executive Committee and continued in various positions until he is now the Chair. Justin notes Johnell's enthusiasm about the Spencer Educational Foundation, evident in his Gala address last year. [29:09] Johnell plans to be on stage again at the 2026 Gala. [29:38] Justin asks about last episode's RIMScast guest, Marya Probis, who is no longer on the Board and is one of this year's Spencer honorees. [29:53] Johnell says the interesting thing about the Board is that they are all competitors for the most part. The minute they get into that room, they come together and focus on the mission of Spencer. Johnell sees that they have a sincere desire to help the industry advance. [30:31] Johnell says we need to educate folks in the middle schools and primary schools and so on to get folks thinking about working in insurance. Insurance is an amazing industry and career, and it's necessary. It's inspiring to be able to talk about and drive it throughout the world. [31:42] Johnell says the world has always been changing. The one constant is change. The more that all of us, including kids, can embrace that reality, the better prepared we will be. The insurance industry always follows the world. The world is always looking for the next best thing. [32:42] Someone is out there innovating, inventing, and trying to come up with the new thing. The new thing is going to come with risk. Johnell says our capability and responsibility to be able to protect that risk or associated risks is what we do. It's why we're here. That's exciting. [33:11] Justin says, We're looking forward to seeing you on Thursday, September 17th, at the Waldorf Astoria, for the 2026 Funding Their Future Gala. We've got Sierra Signorelli from Zurich as one of the honorees; Marya Propis is the second honoree, and it's going to be a great time. [33:28] I look forward to seeing you up onstage. Last year, your message resonated with me so much. You came from a very humble upbringing, and you have this wild trajectory professionally, and you've got five kids, so you've had quite a journey. [33:55] Justin asks Johnell to imagine an audience member hearing this episode of RIMScast, and they might similarly come from a difficult background and just not know what their path forward is going to be. What message would you have for that person today? [34:15] It's the same message Johnell has for a lot of the folks he interacts with from a similar background. His family still lives in Compton, so he still interacts with kids and with college athletes who did not have the greatest upbringing. [34:38] Johnell says it's wrong to think you are not a product of your environment. You are. Depending on what that environment has in store for you, you either want to be there or you don't want to be there. One thing you can control to some extent is whether or not you're there. [35:10] Change your environment. If you can't change your environment, change the way you show up in your environment. Do the things that are going to give you more experiences. Do the things, the hard things, that are going to create more opportunities for you down the road. [35:30] You don't have to do something earth-shattering. It could be the little things that start to build your toolbox. So that when the time comes and the opportunity presents itself, you have all of these things you have built that will uniquely position you to take advantage of that situation. [35:58] You need to put yourself in a position so that when the time comes, you're ready to go. That often means to "choose hard." If you're willing to choose hard, then you are going to differentiate yourself. There's no way in the world that it doesn't pay off at some point. It will. [36:20] Justin says These are wonderful words of wisdom. They resonate with me, and I'm positive they're going to resonate with the audience. You're an inspiring guy. I look forward to hearing more from you and to seeing you in September. Thank you so much for your time. [36:45] Special thanks again to Johnell Holly of FM and the Spencer Board Chair. We look forward to seeing him at the Spencer Educational Foundation's 2026 Funding Their Future Gala, which will be held on September 17th at the Waldorf Astoria in NYC. [37:02] Visit SpencerEd.org for more information and to purchase your ticket and for sponsorship opportunities. Remember to check out last week's episode, RIMScast #395, to hear an interview with Marya Propis, one of this year's Spencer Funding Their Future Gala honorees. [37:20] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [37:49] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [36:07] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [38:25] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [38:41] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [38:55] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [39:07] Practice good risk management, stay safe, and thank you again for your continued support!   Links: Spencer Educational Foundation's 2026 Funding Their Future Gala | Sept. 17, 2026 RIMScast on YouTube! Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | July‒Sept. 2026 Cohort | Led by James Lam | Register Now! 2026 Florida RIMS Educational Conference | July 28‒Aug. 1 | Register Now RIMS Texas Regional Conference 2026 | Aug. 10‒12 in San Antonio | Register Now! ChicagoLand Risk Forum | Sept. 24, 2026 RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today and Submit an Educational Session! RIMS Canada Conference — Oct. 18‒21, 2026 | Quebec City | www.rimscanadaconference.ca | Advance Registration Open | Sponsorship Opportunities Available RIMS ERM Conference 2026 | November 19‒20 in Columbus, Ohio | Session submissions deadline extended to June 26! | www.rims.org/ERM2026 RIMS Risk Management magazine | Contribute RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! RIMS, the Foundation for Risk Management The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS-CRMP Stories RIMScast Canada — Episodes Now Live RISK PAC | RIMS Advocacy Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam Prep with PARIMA, July 21‒22, 2026 Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops   Upcoming RIMS Webinars: RIMS.org/Webinars "Too Hot To Ignore: Heat-Related Injuries and Workers' Compensation" | July 16 | Presented by Zurich RIMS Student Series: "Classroom to Career Part 1" | Sept 1 RIMS Student Series: "Classroom to Career Part 2" | Sept 9   Related RIMScast Episodes: "Marya Propis: From Industry Leader to Talent Champion" "Spencer Day 2026 | The Future of Strategic Risk Management" "Risk Management Momentum with Tim Ryan" (2025 Spencer Honoree) "The Strengths of DE&I Initiatives with Lilian Vanvieldt-Gray of Alliant Insurance Services" (2024 Spencer Honoree)   Sponsored RIMScast Episodes: "48 Hours From a Storm: What to Do Before A Hurricane Strikes" | Sponsored by Global Risk Consultants, a TÜV SÜD Company (New!) "AI-Scale, Risk Ready: Engineering Controls for the New Data Center Boom" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Facing Into Risk: Navigating the New Risk Landscape" (New!) | Sponsored by AXA XL "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Johnell R. Holly, Executive Vice President, United States and Latin America Operations, FM Board Chair, Spencer Educational Foundation   Production and engineering provided by Podfly.

Episode 158: Return of the Living Dead 3 — We're kicking off our "Too Hot to Rot" triple feature with Brian Yuzna's gory, surprisingly romantic zombie classic. Joined by special guest Steven from The Nightmare Trials podcast, we dig into the practical effects work of Steve Johnson, the franchise's tonal shift from satire to tragic love story, and why these unkillable, conscious zombies are some of the most genuinely unsettling in the genre. Find The Nightmare Trials on Spotify and Apple Podcasts. Support The Nightmare Trials on Patreon, and follow on Instagram and TikTok! Subscribe on Apple Podcasts, Spotify, and YouTubeFor bonus content and commentaries, check out our PatreonFollow the show on Instagram, TikTok, and FacebookWant to support the show and save 20% on Fangoria? Visit Fangoria and enter PROMO CODE: HOWIMETYOURMONSTER at checkout!Looking for How I Met Your Monster merch? Check out TeePublic for shirts, stickers, mugs, and more!Questions and comments: howimetyourmonsterpodcast@gmail.com

Happy Thursday! We chat about the US Open getting underway today, Timmy's wife's car is disgusting, we have some OSU football recruiting news, we go Around the Big Ten with ESPNs Adam Rittenberg, Joe Burrow has high expectations for the Bengals, Man has a rant on Brunch & we play some Too Hot audio.

In this episode of Discovering Truth with Dan Duval, Dan answers a major theological and political question for the body of Christ: Do Jews have a separate covenant with God that entitles them to the land of Israel today, independent of the New Covenant in Christ?  Dan walks through Scripture to examine whether “two-covenant theology” is biblical, how the Old Covenant functioned, what happened when Israel and Judah broke covenant, and why the New Covenant in Jesus' blood is the only covenant by which both Jews and Gentiles are reconciled to God. This teaching also explores how political Zionism has shaped Christian thinking, why many believers feel obligated to support the modern State of Israel without question, and how Christians can think biblically about Israel, the Middle East, war, and the people of God without abandoning the centrality of Jesus Christ.Learn more about Bride Ministries Institute here: https://www.bridemovement.com/instituteThen we ENCOURAGE you to do 4 QUICK THINGS!!Sign up to be a podcast memberwww.danduval.comBe sure to check out and like our new Facebook page: https://www.facebook.com/DiscoveringTruthNetworkSubscribe to the new podcast YouTube Channel: https://www.youtube.com/channel/UC5nxloF2rt7-dXkjppGHdFAAND Subscribe to our Rumble Channel, where we will post all of our interviews that are TOO HOT for YouTube!DiscoveringTruthNetwork (rumble.com)

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Marya Propis about her career in retail brokerage, wholesale distribution, and executive leadership. Marya speaks of leaders who influenced her, how her leadership skills have changed in 30 years, and how emotional intelligence guides her as she helps young insurance professionals at RT Specialty. She also shares the importance of physical fitness and self-care in showing up at her best each day. Marya discusses the wholesale Excess and Surplus Lines marketplace in the U.S. She talks about her involvement in industry associations and the enthusiasm she has for helping students and new risk professionals. She shares information about the Spencer Educational Foundation's Funding Their Future 2026 Gala, where she will be one of two honorees. She serves as a Director of Distinction, acting as an ambassador for the Spencer Educational Foundation.   Listen for Marya's enthusiastic approach to persuasive leadership.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. We will be rejoined by our friend Marya Propis, President of Retail Distribution at RT Specialty and honoree at this year's Spencer's Funding Their Future Gala in New York City on September 17th. There is a lot to catch up on. But first… [:47] RIMS Virtual Workshops. The next RIMS-CRMP-FED Exam Prep with AFERM will be held on June 16th and 17th. The next RIMS-CRMP Exam Prep with PARIMA will be held virtually on July 21st and 22nd. Links to registration are in this episode's notes. [:58] We have a summertime webinar. On July 16th, Zurich will present "Too Hot to Ignore: Heat-Related Injuries and Workers' Compensation." Register at RIMS.org/webinars and via the link in this episode's show notes. [1:13] You can enroll now in the RIMS CRO Certificate Program in Advanced Enterprise Risk Management hosted by the famous James Lam. Beginning July 15th, workshops will be held bi-weekly from 11:00 a.m. to 3:00 p.m. Eastern Time. The registration link is in the show notes. [1:34] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. We want to hear from you. Submit a session proposal by June 19th to reach engaged practitioners, innovators, and leaders looking for guidance they can utilize right away. [1:52] Help define what's next for Enterprise Risk Management. Submit a session proposal by Friday, June 19th. Visit RIMS.org/ERM2026. [2:02] Folks, through the generosity of its industry partners, RIMS has launched The Foundation for Risk Management™, which provides scholarships for early-career professionals to attend RIMS events like RIMS Texas Regional Conference, RIMS Canada Conference, and RISKWORLD. [2:21] The Foundation also helps beneficiaries earn their RIMS-CRMP and fund research projects. To learn more or contribute to the Foundation, visit RIMS.org/FRM and visit the link in this episode's show notes. [2:36] RIMS is back on YouTube. Our handle is @RIMSOfficialChannel. We've got plenty of videos there, including RIMScast, RIMScast Canada video podcasts, and other informative and entertaining content from RIMS. Subscribe to the channel today! [2:56] On with the Show! Marya Propis is rejoining us on RIMScast. She is the President of Retail Distribution at RT Specialty, and she will be honored this year at the Spencer Funding their Future Gala at the Waldorf Astoria in New York City on September 17th. [3:17] We'll learn about Marya's career, her risk management philosophy, how her physical wellness fuels her progress as a risk and insurance professional, and why she feels it is critical to continue her support for women in the profession. We're going to have fun. Let's get to it! [3:39] Interview! Marya Propis, Welcome Back to RIMScast! [3:49] Since the last time Justin and Marya spoke, Marya has joined RT Specialty. She is coming up on her 6th anniversary with RT Specialty. It has been the most enjoyable and successful career chapter she has been fortunate to enjoy. [4:04] Marya says there are so many great things to talk about in terms of what's going on in the marketplace and at RT Specialty and how that pertains to Spencer. [4:20] Marya is President of Retail Distribution. She was promoted to that role several months ago. A dedicated group under her leadership is keeping a finger on the pulse of what's going on in the ultra-dynamic U.S. retail landscape. [4:47] They are always thinking of ways to be more client-centric, partner more fully with their retail clients, and think of all the places that their clients need RT to be as the top wholesale partner in the U.S. [5:08] Marya has six people on her team for a wholesaler that placed $32 billion of premium last year. But, actually, her team is the entirety of all the brokers and underwriters that work for RT Specialty. That's 1,500 people. [5:28] Marya's job is to make the brokers and underwriters who work for the team more successful every day. Her stakeholders are the market-facing, talented brokers and underwriters. They are her team. [5:46] Marya sets best practices and standards around compensation, conferences, and the way they engage. Client-centricity is very important, so Marya extends direction for it. [6:00] Marya explains how leadership style has evolved. In the first half of her career, it was all about command and control, from the top down. Telling everyone what to do has evolved positively. [6:19] Marya prides herself on having very good influence and leadership skills. She says people want to follow her direction. She had to learn a lot to go from telling people what to do to creating a path people want to follow. Being a command-and-control leader doesn't feel good. [7:00] Marya says that when we started talking about emotional intelligence as an important part of leadership, she realized she had it. She just hadn't been using it in any of her management or leadership roles. [7:11] It became more acceptable to use emotional intelligence to get your team aligned and get people thinking around the direction you need to go as a team or a firm. That's been very positive for Marya, but she couldn't flip that switch overnight. [7:30] Marya had to learn a lot to change her leadership style so people want to follow and feel that she is creating the right direction, so they can be more successful, not leading them down a path to doom and demise. [7:52] Marya says that an emphasis on emotional intelligence came hand in hand with the industry starting to pay attention to women in insurance and the lack of representation of female leadership in insurance. [8:09] Marya says that a decade ago the insurance industry started to be deliberate about realizing they didn't have many women in leadership and that there were obstacles in the industry to women being promoted and compensated at the same rate as their male colleagues. [8:31] Emotional intelligence came along with the recognition that women have a distinct and unique skill set. Emotional intelligence is a prevalent part of a woman's skill set. Women bring real value as leaders. The traits that come with that include emotional intelligence. [9:07] Justin says we have such a great group of rising risk professionals, particularly females, in the profession and the RIMScast listenership, so this is a great way to kick off this dialog.  [9:25] Marya says she has worked for a lot of great leaders. She was fortunate to work closely with many executives. You can watch a leader and learn a technique or a trait that you can add to the skill set you already have. Marya says she gets her best material from others. [10:14] Marya says Pat Ryan, who founded RT Specialty, is the absolute Superman of insurance. Any time she hears Pat Ryan talk, she leaves with a gem that she commits to do or think about, going forward. He uses an expression: "Do the right thing, because it's the right thing to do." [10:47] If you use that as a guiding principle for how you set your priorities and make decisions, based on what your retail clients need, then it's very obvious what you need to do. It has become a guiding principle for her in the way she makes decisions every day. [11:47] Marya says her scope of responsibility is just retail clients. Her colleague Leah Ohodnicki oversees carrier management. They talk all the time. There are so many of the same principles that they apply, just to different channels in the marketplace. [12:07] Marya has been a career salesperson. For her whole insurance career, she has sold stuff. She has sold capabilities and products. She sells and represents wholesale brokerage services. [12:27] Marya says no client is like another. You must see every client with fresh, objective eyes. Every client has something unique, or a competitive advantage, or something special about the way they've built their firm. Sometimes you have to look carefully to find it, but it's always there. [13:06] You have to be willing to put yourself in their shoes. How do they see the world? How is that retailer creating visibility and driving success? [13:26] Marya prides herself on being a student of who the retail client is and thinking about how to better frame partnership strategies to work with them as effectively as possible, rather than thinking about herself, RT Specialty, and all the stuff she can throw at any retail client. [13:48] In Marya's mind, the way to do it is to start by asking what they need. Where is the place that they will need RT Specialty to be more successful? Then she constructs an engagement approach around that. That's different from how she thought about it 20 years ago. [14:15] In any industry, Marya doesn't want to be a vendor. She wants to be a partner. There's a big difference in the way you have to think to be a trusted business partner. That's a very important part of Marya's personal and professional philosophy in creating partnerships. [15:13] Marya says she's very committed to the digital distribution model. It's been one of the more exciting and dynamic components of the retail channel. Marya doesn't use AI interchangeably with digital distribution. Digital distribution is where we sell things online. [15:41] Marya says AI is a technology enabler that helps us be more efficient in sales. RT Specialty has an online portal called RT Connector that has been trading E&S Specialty, Micro and Small Commercial P&C products for eight years on the digital distribution platform. [16:09] Marya says there's a newish type of retail agent in the U.S. marketplace called digital agencies. They want to trade as efficiently as possible. They want API connectivity. They're focused on a specific segment and industry, in terms of where they feel they can sell and trade. [16:31] Marya says even the way they acquire leads is very different than a traditional retail model. Marya says we're certainly not going to sell RT the same way to a digital agency as we do to a big Alpha house. They're very different. [16:51] Understand the model. Understand how that retail agent or broker is structured, and meet them where they are. With digital retail agents, it's a completely different type of retail partnership that they can build with them vs. other models they've worked successfully with. [17:18] Marya says our retail clients are always evolving and changing and buying lots of stuff, in mergers and acquisitions. They restructure. How they choose to go to market. How they're winning business. Marya loves all the learning that comes as the market and her clients evolve. [17:45] Marya says they're a wholesaler. Their digital platform will reflect the appetite and eligibility of the technology-enabled carriers that are represented on the RT Specialty platform as trading partners. [18:10] Marya says they have 130 talented binding authority teams across their U.S. platform. They know what their appetite is; they have the binding authority. That's human interaction. [18:28] Marya says RT Specialty mimics that same process with some of the same carrier partners by putting their product-specific appetite on their digital platform. [18:38] The same agent can either go to the RT binding authority underwriter or go through RT Connector. If it fits the appetite of the products on RT Connector, in five minutes, the agent can rate quote, bind, issue, e-deliver policies, surplus lines taxes, and finance premium. [19:02] Marya says she can ask agents how they want to trade the E&S specialty marketplace. There are a lot of paths they can follow that get them to the same place where they win. RT Specialty can put the right resources around that. [19:35] Marya says if a retail client brings a franchise opportunity to RT Specialty, if it's a franchise operation that's insured, RT Specialty will write it. They write lots of them in the U.S. Marya participates in risks her retail clients bring to RT. [19:52] Marya doesn't sell directly to franchises, but RT has a lot of franchises and programs in chains in their book of business. RT has the largest sports and entertainment practice in the wholesale segment in the U.S. It's a tough segment of the marketplace. [20:20] RT Specialty has invested a lot in terms of talent. RT Specialty owns the largest MGU in the marketplace. The sports are professional, amateur, and everything in between. It's a very successful market segment for RT Specialty. [20:41] Marya explains that an MGU is a Managing General Underwriter, which is different from an MGA (a Managing General Agency), which is different from a Program. Marya says this has been one of the fastest-growing segments of the specialty market in the United States. [21:09] Marya says you create a homogeneous appetite for a certain bulk of business, find a carrier partner, set up a Program, and open your storefront and either distribute through retailers or wholesalers. Some are direct-to-insureds [21:30] Managing General Underwriter means that we would create the appetite and the guidelines. Managing General Agent means that the carrier has already defined that, and they're allowing us to put a storefront in front of that. [21:54] That's different from some of the traditional carriers that RT Specialty works with, like Lexington Insurance Company or Westchester Insurance Company. Those are carriers. That is a different solution than when RT Specialty approaches an MGU on behalf of their retail client. [22:18] Marya says anytime you have a lot of people in one place at an event, there are lots of risks associated with that: gun violence, political violence, and means of evacuation response. We have seen that time and again. [22:43] When you have a lot of people congregating for a sporting event, a demonstration, a commemoration, or other event, it's gotten much riskier when you put a lot of humans in one place. That has made that segment of the marketplace much more challenging than ever. [23:10] Marya mentions boxing matches in Vegas or the number of active shooter incidents in Vegas. Marya believes the Excess and Surplus Lines market segment is the permanent home for high-hazard risks in the U.S. It's not an escape valve. [23:42] Marya says that in her lifetime, those types of risks will never swing back to the direct admitted standard carrier side. As a wholesale broker, RT Specialty is looking to partner with carriers that have the right type of appetite to support those risks. [23:59] RT Specialty builds products, so they own MGUs, MGAs, and Programs. They invest and build products when segments of the marketplace become very tough, so they have solutions available through their brokers and underwriters to write any risk in any class of business. [24:19] A Quick Break! There are so many other wonderful RIMS events coming up in 2026. The Annual Florida RIMS Educational Conference will be held from July 28th through August 1st at the lovely Ritz-Carlton in Naples, Florida. A link to the event is in this episode's show notes. [24:37] Register now for the Second Annual RIMS Texas Regional Conference, which will be held from August 10th through 12th at the Grand Hyatt on the San Antonio River Walk. [24:48] The 11th Annual Chicagoland Risk Forum will return to the Old Post Office on Thursday, September 24th, 2026, in Chicago. Visit ChicagolandRiskForum.org for more information. [24:59] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. Registration is open, and you can also submit a session. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [25:16] Save the dates October 18th through the 21st. We will be in Quebec City to celebrate the 50th Live RIMS Canada Conference. Booth sales are already open. Earlybird registration is open now. [25:31] Visit RIMSCanadaConference.ca for more information. Also, remember to check out RIMS.org/Canada for our spinoff show, RIMScast Canada, hosted by National Conference Committee Chair, Aaron Lukoni. [25:45] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. The deadline for educational content submissions is Friday, June 19th. Get submissions in now. The link is in this episode's show notes. Registration opens in July. [26:08] Let's Return to Our Interview with Marya Propis! [26:32] Justin asks about Marya incorporating workouts into her life so she can perform better as a risk and insurance professional. Justin also feels that he has missed out if he has not exercised or worked out for a certain time each week. [27:03] Mary has 35 years in the business. She travels every week. She flies a lot. She is very focused on her wellness routine. She has been an athlete her whole life, so working out is important to her. So is self-care. [27:34] Having gone through menopause and figuring out what was going sideways, physically and mentally, Marya feels good about where she is today, in her commitment to herself, supplements she takes, and understanding healthy brain function and the effects of hormones. [28:09] Marya says we know hormones have a significant impact on our ability to function, both for men and women. Marya says her lifestyle is not perfect. She eats at restaurants 80% of the time, and entertaining clients involves alcohol. [28:40] Marya loves the relationship-building, social, and personal connection side of the business. She's not going to skip drinks or dinner with anyone. But it's a place where there can be a lot of pitfalls. She doesn't subscribe to an austerity lifestyle. But she has to pick her spots, now. [29:10] Marya says she can't be dragging on Thursday morning. She still has two big days ahead of her to deliver. Marya talks about sleep quality, not just how much you get, which gets tough when you're sleeping in different hotel rooms. [29:35] Marya says, This is the way it is with the career I have chosen, and I love. She has to be much more deliberate and mindful and remind herself that in June, she is traveling 18 days. On the days she's not traveling, she knows what to do for working out and for her wellness routine. [30:24] Marya says she is open and willing to learn. She is open to trying and learning new things. She believes in supplements and vitamins. She takes different ones now than she would have taken a decade ago. You have to be a student of that, like everything else in life. [30:43] Marya says The second you start to lose the desire to learn, what's next? It's not really fun when people's mindsets change. [30:54] Marya has been a Yoga practitioner for 30 years. She does Power Vinyasa in an infrared studio. Marya says the benefits of infrared are scientifically not debatable. She says infrared is great for joints, skin, and healthy brain functioning. It amped up her Yoga routine. [31:15] Marya does TRX bodyweight exercises. Most of the hotel gyms today have a TRX setup. She loves that, since she spends a lot of time in hotels and hotel gyms. Marya does circuit training. She works with heavy weights three times a week to maintain skeletal strength. [31:53] Marya says it sounds like a lot. As an athlete, when you have to perform and deliver, it's part of the way you have to think. It's how Marya thinks. She has to show up and be her best self when she's representing RT Specialty in the marketplace. [32:14] Marya has a lot of people relying on her to be crisp and present with a great level of energy. You can't do that if you're dragging all the time. [32:40] Marya grew up in Buffalo, New York, so she's a skier. It was the first sport for her family. She played tennis in high school and college. She ran track as a sprinter. Her favorite sport is Yoga. A couple of genres of Yoga have world competitions. Mary likes vigorous, athletic Yoga. [33:34] Another Quick Break! The Spencer Educational Foundation's Risk Manager on Campus application period is now open, and it will close on June 30th. Grant awardees, colleges, and universities are typically notified in September. [34:05] General Grant applications are open, and the application deadline is July 30th. Internship Grant applications open on August 15th and close on October 15th. [34:16] Links to each of these grants are in this episode's show notes. Visit SpencerEd.org for more information. [34:24] Let's Conclude Our Interview with One of the Two Honorees of the Spencer Educational Foundation's Funding Their Future Gala 2026, Marya Propis! [34:48] Justin asks about associations Marya is plugged into that support empowering women in the risk and insurance industry, such as APIW and WISE. [35:01] Marya represents RT Specialty on two boards. One is CIAB (The Council of Insurance Agents and Brokers), an international organization known for its regulatory and lobbying efforts. [35:25] Marya spent a week in London last month with CIAB. There is so much going on in the London marketplace. That has been a lot of fun and a place to continue to learn. [34:47] The second board is WSIA (Wholesale & Specialty Insurance Association), representing the wholesale specialty segment. There are specialty markets around the world, but the E&S lines market segment only exists in the United States. WSIA is a wonderful organization. [36:14] Marya says that what's great about both CIAB and WSIA is what they do to support young and developing insurance and risk management professionals. It's consistent with and complementary to the work, scope, and mission of the Spencer Educational Foundation. [36:32] Marya loves the way all of that comes together. Marya has been in the space developing, recruiting, and supporting emerging leaders and talent in the insurance and risk management marketplace for a long time. It's a space she loves to be in. [35:56] It all comes together nicely with Marya's board service and her commitments to foundations and causes. [37:10] Justin says the Spencer Funding Their Future Gala will be on Thursday, September 17th, at the world-famous Waldorf Astoria. Marya is one of the two honorees this year. Justin asks what this honor means to Marya. [37:35] Marya can't remember a time when she looked forward to something so much. First, she was surprised, and she feels really humbled. Marya had been a Spencer Board member and Chair of the Board, thinking about whom they would honor, every year for a decade. [38:05] It's really humbling to be considered, let alone this year, going back to the Waldorf Astoria. Marya remembers the Spencer Gala there, at which she spoke as Chair of the Fundraising Committee. [38:22] Marya just about passed out before going on stage, as she had never talked before so many people. She was hyperventilating. She didn't fall off the stage. She enjoyed herself a little bit. The Waldorf Astoria is one of the most storied hotels in the history of New York City. [39:06] Marya says Sierra Signorelli is the other honoree for the Gala. Sierra and Marya worked together early in their careers at AIG. They got a significant start to their careers then. They've known each other for a long time. Marya praises Sierra and is so happy to be doing this with her. [39:32] Justin notes that Sierra is the Zurich U.S. CEO and the Zurich Commercial Insurance CEO. Those are not easy titles to achieve. Zurich is a global insurance carrier. Marya admires Sierra's career trajectory and the leadership influence she has had on so many. [39:51] This is the first time there have been two female honorees in the history of the Spencer Gala. Marya says sharing that honor with Sierra, someone she knows, trusts, and respects so highly, makes it even more special and a night to look forward to. She can't wait! [40:17] Marya is now a Director of Distinction on the Spencer Board. Her RT Specialty colleague, Michael VanAcker, is on the Spencer Board today. Marya mentions that Pat Ryan was honored by Spencer at one of the first Galas. Tim Turner, RT Specialty CEO, introduced Pat that year. [40:53] RT Specialty has had a seat on the Spencer Board for years. Marya is a Director of Distinction as she is a former Board Chair. They ask her to be an advocate where Megan Miller needs her, and to be conversant on where Spencer continues to support and drive results. [41:18] Marya stays in touch and makes sure she knows what is going on with the programs and schools they are partnering with. Her role is to be informed, be an ambassador, and jump in at any place that Megan and the Spencer team would need her to influence, help, and support. [41:41] Marya spoke at the E&S Insurer conference. At the end of the conference, she brought Megan Miller in and introduced her to the writers' folks and asked if they could get a five-minute spotlight on Spencer next year. That is an example of where Marya can try to help. [42:15] Marya says Spencer scholars are so excited about their insurance career. There is nothing more infectious than their enthusiasm for the career path they have chosen. To talk to a young person who has their whole life in front of them is super energizing for Marya. [42:57] Marya says that when a young person wants to talk to her and spend time with her, she thinks it is great. Enthusiasm is infectious. [43:05] At the end of the day, Marya wants to leave the insurance industry in a much better place than it was when she came into the business. Spending time with young people who will be the leaders of our industry in the future, there's no better feeling. [43:30] Marya says that anything she can do to have influence, set an example, or help them think through something helps her to continue to feel wildly enthusiastic about her career. She loves when she gets to spend time with the young brokers and underwriters at RT Specialty. [43:52] Justin says that the scholarship recipients he has seen on stage at the Gala have been so impressive. They're in school, and they're so involved. They're a shining example of what we want the future of this profession to be. [44:10] Marya says that there was no way, when she was 22 years old, that she could have gotten up in front of a room of 800 people in her profession and spoken like that. She would never have been able to do that. Their ability to get up in front of that audience and talk is huge! [44:37] Marya is impressed by what they talk about, in terms of their careers, and what they've learned. [44:42] Marya is delighted that Spencer has basically kept the Gala format consistent. The focus is on the students and the benefits that Spencer funding drives for the industry. [44:56] It's a place where you can see real impact on real lives because of the fundraising dollars that the risk management and insurance industry has stepped up and invested. That's the focus. Then they have dinner. There are two honorees, and they wrap it up. [45:12] Marya loves that they have never complicated the program for Gala. It has kept the focus in the right place, which is what they are doing to fund the future leaders of the insurance and risk management industry. She's excited to meet the Spencer scholars who will speak at the Gala. [45:35] Marya says that lots of times the speakers bring their families. She says her Mom and Dad will be there. That will round out what's going to be a terrific and exciting evening. [45:47] Jason says, We look forward to seeing you there on September 17th at the Waldorf Astoria in New York City. Marya will be there with her old friend Sierra Signorelli. It's going to be a fantastic, tremendous time! The link to the Funding Their Future Gala is in this episode's notes. [46:08] Marya, we're very happy for you. Congratulations again! I can't wait to see you again in September. Marya looks forward to seeing Justin again and the team from RIMS, another long-standing, awesome, successful partnership between Spencer and RIMS. [46:27] Special thanks again to Marya Propis for rejoining us here on RIMScast! We congratulate her again in advance of her receiving the honor at the Spencer Educational Foundation's 2026 Funding Their Future Gala, which will be held on September 17th at the Waldorf Astoria in NYC. [46:47] Visit SpencerEd.org for more information and to purchase your ticket and for sponsorship opportunities. Join us next week, as we will be joined by Spencer Board Chair Johnell Holley. We will learn all about his career journey and risk philosophies. [47:03] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [47:32] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [47:50] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [48:08] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [48:24] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [48:37] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [48:49] Practice good risk management, stay safe, and thank you again for your continued support!   Links: Spencer Educational Foundation's 2026 Funding Their Future Gala | Sept. 17, 2026 RIMS ERM Conference 2026 | November 19‒20 in Columbus, Ohio | Session Submission Deadline: Friday, June 19 RIMS Canada Conference — Oct. 18‒21, 2026 | Quebec City | www.rimscanadaconference.ca | Advance Registration Open | Sponsorship Opportunities Available RIMScast on YouTube! Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | July‒Sept. 2026 Cohort | Led by James Lam | Register Now! 2026 Florida RIMS Educational Conference | July 28‒Aug. 1 | Register Now RIMS Texas Regional Conference 2026 | Aug. 10‒12 in San Antonio | Register Now! ChicagoLand Risk Forum | Sept. 24, 2026 RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today and Submit an Educational Session! RIMS Risk Management Magazine | Contribute | Look for the Awards Edition in "Digital Issues"! RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! RIMS, the Foundation for Risk Management The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS-CRMP Stories RIMScast Canada — Episodes Now Live RISK PAC | RIMS Advocacy Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam Prep with PARIMA | July 21‒22, 2026 Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops   Upcoming RIMS Webinars: RIMS.org/Webinars "Too Hot To Ignore: Heat-Related Injuries and Workers' Compensation" | July 16 | Presented by Zurich   Related RIMScast Episodes: "Spencer Day 2026 | The Future of Strategic Risk Management" "Risk Management Momentum with Tim Ryan" (2025 Spencer Honoree) "The Strengths of DE&I Initiatives with Lilian Vanvieldt-Gray of Alliant Insurance Services" (2024 Spencer Honoree) "RIMS Honor Roll Inductee Emily Buckley" "RIMS Rising Risk Professional Award Winner Tyler Vaughan"   Sponsored RIMScast Episodes: "48 Hours From a Storm: What to Do Before A Hurricane Strikes" (New!) | Sponsored by Global Risk Consultants, a TÜV SÜD Company "AI-Scale, Risk Ready: Engineering Controls for the New Data Center Boom" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Facing Into Risk: Navigating the New Risk Landscape" (New!) | Sponsored by AXA XL "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Marya J. Propis, RT Specialty, President, Retail Distribution   Production and engineering provided by Podfly.  

Shownotes    How spiritual growth can translate directly into better sex The #1 thing every man should do when he wakes up in the morning Why sports pressure was easier for Brenden than being in conflict with his partner A simple daily practice that can change everything for men How to bring out the best in a man as a woman Why you need to be whole in yourself to experience true masculinity and femininity   Bio Brenden Durell is a breathwork and somatic facilitator, intimacy guide, author, and co-founder of Oríkao, a ceremonial grade heirloom cacao brand sourced from indigenous communities in the Amazon. He has spent over 14 years working at the intersection of embodied practice, plant medicine traditions, traditional Tantra, and sacred sexuality. Known for his ability to bridge ancient wisdom with modern life, Brenden guides individuals and couples into a more intimate relationship with themselves and the people they love.   His work lives in the body: in the breath, in presence, in the places we've learned to armor ourselves against feeling. Rooted in the principles of traditional Tantra and sacred sexuality, he helps people dissolve the walls that keep them from experiencing life and love more fully, reclaiming their body as a place of power, pleasure, and presence.   Brenden has been featured in Forbes, Men's Health, and has appeared on multiple seasons of Netflix's Too Hot to Handle. He is the founder of The Golden Room, a global community for those committed to deeper nervous system health, conscious living, and authentic connection. He is also a devoted father and partner currently raising his daughter between Peru and the United States.   You can follow Brenden's work on Instagram and on his website.   @brendendurell (IG), brenden.durell (YouTube) Follow Layla!

Happy Thursday! Timmy had quite the experience at Meijer, misleading story about a Werenski trade request, we go Around the Big Ten with ESPNs Adam Rittenberg, we chat about the best fast food chicken and burgers, Columbus wants a WNBA team, Man tells us his tales from Spencer's & we play some Too Hot audio

In this episode of Discovering Truth with Dan Duval, Dan interviews Esther Ford, a survivor of MKUltra and other alleged “globalist” programs, as well as the hidden twin sister of the Sue Ford (Brice Taylor). Esther recounts memories she describes as pre-Adamic trauma within her human spirit, involving deception, fragmentation, demonic defilement, warfare, and participation in satanic “grid lines.” She claims these experiences affected her earthly life and required extensive deliverance through Jesus, prayer, and the renouncing of spiritual agreements.  Throughout the interview, Esther describes underground facilities connected to the Rothschild family, where she claims infants were imprisoned and genetic experiments created “monsters.” She also alleges sexual abuse involving popes and Jesuit generals. According to Esther, she was involved in what she calls the “Hitler Project,” advanced technologies, telepathic UFO travel, off-planet activity and experiences beneath the Temple Mount, including childbirth and children being placed into positions of influence and power structures.The episode also highlights Bride Ministries' schools, survivor housing initiatives, and “survivor lands.” Esther additionally shares accounts of angelic interventions and supernatural encounters during prayer and deliverance sessions.You can learn more about Bride Ministries Institute here: https://www.bridemovement.com/instituteThen we ENCOURAGE you to do 4 QUICK THINGS!!Sign up to be a podcast memberwww.danduval.comBe sure to check out and like our new Facebook page: https://www.facebook.com/DiscoveringTruthNetworkSubscribe to the new podcast YouTube Channel: https://www.youtube.com/channel/UC5nxloF2rt7-dXkjppGHdFAAND Subscribe to our Rumble Channel, where we will post all of our interviews that are TOO HOT for YouTube!DiscoveringTruthNetwork (rumble.com)View less

Happy Thursday! Common Man's linen shirt is the topic of the day, Sankey says the SEC is the most competitive league by far, we go Around the Big Ten with ESPNs Adam Rittenberg, we chat lots about Octopuses, Julian Sayin has a chip on his shoulder & we play some Too Hot audio.

Happy Thursday! Common Man wants us to put three specific things in order of personal preference, his wife also calls in to the show, we go Around the Big Ten with ESPNs Adam Rittenberg, Timmy's upset with Man about his lunch, Man had some warm pop today & we play some Too Hot audio.

Jake & Ben Full Show from May 20, 2026 Hour 1 Kenny Atkinson & James Harden are Reasons Number 1 & 2 why the Cavaliers lost Game 1 of the Eastern Conference Finals.  Top 3 Stories of the Day: Dave Checketts is not a fan of Utah's Deal with Otro Capital, Donovan Mitchell burned by Jalen Brunson Again, Brendan Sorsby's Judge Steps Down Presumably because of ties to Texas Tech.  Speculation about Darryn Peterson Hour 2 Kansas Beat Writer Jordan Gusky joined to talk about Darryn Peterson and what happened at Kansas last year. Are the creatine cramps a red flag? What's Next for the Dallas Mavericks after firing Jason Kidd?  Is Will Wade Ruining College Basketball? Hour 3 Hour 3: Why is Anyone Surprised that James Harden Still Doesn't Play Defense? What You Got Wednesday: Best Basketball Players Born in Utah & Best Movie Themes Audio Vault: College Basketball Reporter Jeff Goodman is Furious with Will Wade Hour 4 Live at 5:  Previewing OKC vs San Antonio Game 2. Will Chet Holmgren show up?  Big 10 Commissioner Confirms ESPN is Holding Back CFP Expansion Talk Ace Bailey All Rookie 2nd Team Tell Ben that his Will Ferrell Take was a little Too Hot

Hour 4 of Jake & Ben on May 20, 2026 Live at 5:  Previewing OKC vs San Antonio Game 2. Will Chet Holmgren show up?  Big 10 Commissioner Confirms ESPN is Holding Back CFP Expansion Talk Ace Bailey All Rookie 2nd Team Tell Ben that his Will Ferrell Take was a little Too Hot

Happy Thursday! Timmy's back today & he recap's his time off, Common Man reads the PGA Leaderboard, we go Around the Big Ten with ESPNs Adam Rittenberg, Timmy's feeling depressed, we chat about cock fighting, Twenty One Pilots are coming to town & we play some Too Hot audio.

Perfect Match: Season 4 Premiere Recap Netflix's Perfect Match returns for season 4 premiere, and Aysha, Jason, and Kirsten are here to break down this new cast of reality singles stepping into the chaos. As the trio navigates through the first-night matchups, past show connections, and ever-confusing name doubles, they spotlight early alliances and the unpredictable vibe shifts shaping the season's opening. The discussion dives into the entire starting cast, with background on each contestant drawn from shows like Age of Attraction, Love Is Blind, Too Hot to Handle, Vanderpump Rules, and Temptation Island. The hosts unravel dynamics like Chris's infamous intentions for being on reality TV, the Love Is Blind glow-up journeys, and the challenges of keeping track of similar names and faces. Early chemistry tests through kissing games and first matches keep alliances loose, while contestants already maneuver for position with moves like offering designer gifts to seal a match. The group also unpacks the show's evolving rules—now with three new singles entering after the first game—setting up higher stakes and more ways for alliances (and hearts) to break. Chris's reality TV motives and questionable approach to relationships highlighted through his designer bag “strategy.” Early connections and mismatches, with Marissa staking her claim for DaMari, and Jimmy navigating first impressions post-glow-up. Contestants from various Netflix shows—including a standout from Squid Game The Challenge and a Vanderpump Rules alum, mixing entertainment backgrounds and play styles. The group debate over the value of compatibility challenges, astrology's influence on matches, and why some singles seem perpetually lost in the shuffle. Fresh dynamics set by changing rules in the boardroom, as more singles enter and the original couples are challenged right away. With new twists and the unpredictability of reality TV alchemy, will any couple find staying power on Perfect Match this season? Can playing for laughs or strategy secure a place in the next episode, or will loyalty be as fleeting as last night's match? Listen in for thoughtful recaps and behind-the-scenes tea from the worlds of Netflix reality. Plug into the full episode for a dose of show analysis, cast breakdowns, and all the messy fun from the premiere of Perfect Match season 4. 00:00 Meet the Perfect Match Hosts 06:58 Starting Cast Revealed and Debated 15:47 Jimmy's Dramatic Glow Up 21:17 Marissa's Love is Blind Fallout 25:56 DaMari's Too Hot to Handle Past 32:19 Nick's Dark Energy Noticed 39:12 Kissing Challenge Sparks Rivalries 47:26 Designer Bag Bribes Appearing 51:30 Morning After and Pairings Shift 59:42 Boobs and Butts Challenge Begins 01:04:04 New Singles, New Boardroom Twist 01:12:53 Will Brie Enter the Villa? LISTEN! Subscribe to the Perfect Match RHAPUp podcast feed! WATCH! Watch and subscribe to the podcast on YouTube SUPPORT! Become a RHAP Patron for bonus content, access to Facebook and Discord groups plus more great perks! Previously on the Love at First Sight Feed: Love at First Sight Recap Archives

Perfect Match: Season 4 Premiere Recap  Netflix's Perfect Match returns for season 4 premiere, and Aysha, Jason, and Kirsten are here to break down this new cast of reality singles stepping into the chaos. As the trio navigates through the first-night matchups, past show connections, and ever-confusing name doubles, they spotlight early alliances and the unpredictable vibe shifts shaping the season's opening. The discussion dives into the entire starting cast, with background on each contestant drawn from shows like Age of Attraction, Love Is Blind, Too Hot to Handle, Vanderpump Rules, and Temptation Island. The hosts unravel dynamics like Chris's infamous intentions for being on reality TV, the Love Is Blind glow-up journeys, and the challenges of keeping track of similar names and faces. Early chemistry tests through kissing games and first matches keep alliances loose, while contestants already maneuver for position with moves like offering designer gifts to seal a match. The group also unpacks the show's evolving rules—now with three new singles entering after the first game—setting up higher stakes and more ways for alliances (and hearts) to break. Chris's reality TV motives and questionable approach to relationships highlighted through his designer bag “strategy.” Early connections and mismatches, with Marissa staking her claim for DaMari, and Jimmy navigating first impressions post-glow-up. Contestants from various Netflix shows—including a standout from Squid Game The Challenge and a Vanderpump Rules alum, mixing entertainment backgrounds and play styles. The group debate over the value of compatibility challenges, astrology's influence on matches, and why some singles seem perpetually lost in the shuffle. Fresh dynamics set by changing rules in the boardroom, as more singles enter and the original couples are challenged right away. With new twists and the unpredictability of reality TV alchemy, will any couple find staying power on Perfect Match this season? Can playing for laughs or strategy secure a place in the next episode, or will loyalty be as fleeting as last night's match? Listen in for thoughtful recaps and behind-the-scenes tea from the worlds of Netflix reality. Plug into the full episode for a dose of show analysis, cast breakdowns, and all the messy fun from the premiere of Perfect Match season 4. 00:00 Meet the Perfect Match Hosts06:58 Starting Cast Revealed and Debated15:47 Jimmy's Dramatic Glow Up21:17 Marissa's Love is Blind Fallout25:56 DaMari's Too Hot to Handle Past32:19 Nick's Dark Energy Noticed39:12 Kissing Challenge Sparks Rivalries47:26 Designer Bag Bribes Appearing51:30 Morning After and Pairings Shift59:42 Boobs and Butts Challenge Begins01:04:04 New Singles, New Boardroom Twist01:12:53 Will Brie Enter the Villa? Previously on the Love at First Sight Feed:Love at First Sight Recap Archives   LISTEN! Subscribe to the Perfect Match RHAPUp podcast feed!WATCH! Watch and subscribe to the podcast on YouTubeSUPPORT! Become a RHAP Patron for bonus content, access to Facebook and Discord groups plus more great perks! Learn more about your ad choices. Visit megaphone.fm/adchoices

PaceCase enters the pit solo to scout the entire cast of Perfect Match and determine which players are built for domination, which influencers are all face play, and which reality TV veterans actually understand the game. From Love Is Blind chaos agents to Too Hot to Handle superstars and Temptation Island sand beasts, PaceCase analyzes Instagram strategy, parasocial gaze strength, follower counts, promo behavior, influencer archetypes, and main character energy across the entire roster.Subscribe to Game of Roses on YouTube: https://www.youtube.com/gameofrosesPatreon: https://patreon.com/gameofrosesMerch: https://gameofroses.orgListen on Apple Podcasts: http://bit.ly/gameofrosesListen on Spotify: http://bit.ly/spotifygameofroses Hosted on Acast. See acast.com/privacy for more information.

In this episode, Dan Duval speaks with Henry and Amanda Hastings of Justice Reigns about a kingdom-driven approach to fighting human trafficking through spiritual discernment, trauma-informed restoration, and gospel-centered cultural reform. They share firsthand experiences confronting child exploitation in Southeast Asia and trafficking networks across the Caribbean and South America, while exposing tactics such as social media grooming, coercion, and porn-driven demand. The conversation also highlights Justice Reigns' partnerships with safe homes, investigators, and governments to support rescues, survivor restoration, and anti-trafficking operations.justicereigns.orgYou can register for the Bride Ministries Marriage Advance here: https://marriage.bridemovement.comThen we ENCOURAGE you to do 4 QUICK THINGS!!Sign up to be a podcast memberwww.danduval.comBe sure to check out and like our new Facebook page: https://www.facebook.com/DiscoveringTruthNetworkSubscribe to the new podcast YouTube Channel: https://www.youtube.com/channel/UC5nxloF2rt7-dXkjppGHdFAAND Subscribe to our Rumble Channel, where we will post all of our interviews that are TOO HOT for YouTube!DiscoveringTruthNetwork (rumble.com)

In a double bill with Too Hot for TV for MayGan, we have another, very different, take on the TV Movie from two mega fans of the movie who can't control their love for this fabulous piece of trash...

Happy Thursday! Timmy missed out on $10,000 yesterday, Alabama won't cancel their series against the Buckeyes, OSU hoops to play UConn, we go Around the Big Ten with ESPNs Adam Rittenberg, Urban tells Julian Sayin to stop surfing, NCAA tourney officially expands & we play some Too Hot audio.

Happy Thursday! It's Timmy's 16th anniversary, Mike reminisces about a girl from Knoxville, He's also upset with didn't get the Florida big man, we go Around the Big Ten with ESPNs Adam Rittenberg, a French teenager does something dumb in Singapore & we play some Too Hot audio.

In this episode, Dan Duval teaches on Genesis 9, exploring why Noah cursed Canaan.  He presents the view that “uncovering his father's nakedness” implies a sexual act involving Noah's wife, suggesting Canaan came from an incestuous line that brought spiritual defilement.  He emphasizes that individuals coming from incest-based bloodlines are not condemned and points to healing through Jesus, including breaking generational cycles through prayer.  In the Q&A, he discusses beliefs about occult practices involving objects and advises that some items can be prayed over while others should be discarded.You can register for the Bride Ministries Marriage Advance here: https://marriage.bridemovement.comThen we ENCOURAGE you to do 4 QUICK THINGS!!Sign up to be a podcast memberwww.danduval.comBe sure to check out and like our new Facebook page: https://www.facebook.com/DiscoveringTruthNetworkSubscribe to the new podcast YouTube Channel: https://www.youtube.com/channel/UC5nxloF2rt7-dXkjppGHdFAAND Subscribe to our Rumble Channel, where we will post all of our interviews that are TOO HOT for YouTube!DiscoveringTruthNetwork (rumble.com)

Clark suits up in a knockoff Stranger Things Vecna costume (the biggest size they had) to audition for Netflix House — and things go exactly as you'd expect. Michael, Eric, and Bri coach him through characters including Vecna, Jeffrey Dahmer, Diddy, a Bridgerton long-lost brother, and a Too Hot to Handle contestant. Plus, a behind-the-scenes look at how the crew actually makes their videos, and spoiler: it's exactly this chaotic. Get more show at MZNOWWatch the full episode on YouTube:YouTube.com/@michaelzavalaFollow the Guys:Michael Zavala @michaelzavalaEric Star @mrericstarClark @justsimplyclarkFollow the Show:Instagram: @mznowtvwww.MZNOW.tvProduced at mzStudiosmzStudiosDallas.com

Happy Thursday!  We preview tonight's NFL draft, we chat about the new Vrabel photos that were released, we go Around the Big Ten with ESPNs Adam Rittenberg, Timmy got some new glasses, Bama gives their coach an extension for some reason, OSU hoops get another portal player, robots are playing ping pong & we play some Too Hot audio.

Warning: Do NOT attempt to watch this episode or look at the reference photo of Jimmy while in a moving vehicle. Every time the cast of Too Hot to Handle or Perfect Match comes around it brings up the similar feeling I got in the pit of my stomach when I was 22 years old and bartending at my local college bar and saw "The Alum" walk in every weekend. Yayyyyyy.

Monday, July 20th, 2026 Join host Cleveland for a powerful follow-up interview with Jake Slater, a determined young man still chasing his dream of joining the Fort Wayne Fire Department.   After a full year of waiting, training, studying, and pushing himself physically and mentally, Jake returns to the mic to share what life has really been like in the “holding pattern.” From the uncertainty of the process to the discipline it takes to stay ready, he opens up about the twists and turns that have shaped his journey.   Will this be the moment he finally gets the call?   Jake breaks down:The work he's put in over the past year How he stayed focused through the unknown His hopes for where he'll be placed within the department His vision for year one, and five years, on the job   And this isn't the end… Jake has committed to continuing the journey with us, giving listeners a real-time look inside the fire academy and beyond.   This isn't just a story about becoming a firefighter, it's about perseverance, patience, and purpose.   Don't miss Episode 2 of “Chasing the Flame”   Monday, July 20th, 2026   This episode is brought to you by TAG Apparel Visit [tagfw.com](http://tagfw.com)     Music track: Too Hot by Aylex Source: https://freetouse.com/music Music for Videos (Free Download) Music track: Fighter by Aylex Source: https://freetouse.com/music Free Vlog Music Without Copyright     TAG Apparel: “Wear Your Mark!”     Disclaimer:   The views and opinions expressed by the host(s), or guest(s) on Police Pod Talk Podcast are their own and do not necessarily reflect those of our sponsor TAG Apparel. TAG Apparel does not endorse or

In this intense and thought-provoking episode, Dan Duval presents a non-traditional framework of spiritual warfare and deliverance, moving far beyond the common “cast out demons” approach. He introduces the concept of regions of captivity—spiritual, psychological, and even symbolic spaces where parts of a person's soul or identity may be held due to trauma, spiritual influence, or deeply rooted experiences. The episode weaves together biblical interpretation, personal ministry experiences, and controversial spiritual claims to argue that human brokenness can result in fragmentation—not just emotionally or psychologically, but spiritually. According to this perspective, these fragments may become trapped in internal subconscious “worlds,” external spiritual realms, or even attached to physical objects.  Dan connects these ideas to scriptures such as Psalm 23, Psalm 88, Isaiah 61, Revelation 18, and Ezekiel 13, offering a literal interpretation that suggests captivity is not merely symbolic but experiential. He also explores how trauma, memory, and belief systems can create internal prisons, reinforcing cycles of pain, fear, and limitation. A major theme of the episode is restoration—the belief that through Christ, individuals can reclaim lost parts of themselves, break free from unseen bondage, and experience deeper healing. Whether understood spiritually, psychologically, or metaphorically, this episode challenges listeners to reconsider the nature of freedom, identity, and healing.You can register for the Bride Ministries Marriage Advance here: https://marriage.bridemovement.comThen we ENCOURAGE you to do 4 QUICK THINGS!!Sign up to be a podcast memberwww.danduval.comBe sure to check out and like our new Facebook page: https://www.facebook.com/DiscoveringTruthNetworkSubscribe to the new podcast YouTube Channel: https://www.youtube.com/channel/UC5nxloF2rt7-dXkjppGHdFAAND Subscribe to our Rumble Channel, where we will post all of our interviews that are TOO HOT for YouTube!DiscoveringTruthNetwork (rumble.com)

Happy Thursday! Timmy had a mole removed today, CBJ announce the return of Rick Bowness for next season, we go Around the Big Ten with ESPNs Adam Rittenberg, we have some fast food talk for you, we have fun with Family Ties, chat about the best donut places & we play some Too Hot audio.

In this episode of Discovering Truth with Dan Duval, Dan Duval addresses growing fears around World War III, the end of the age and the Antichrist, by urging Christians to abandon the idea of an “exit strategy” and instead stand firm against darkness through God's power.Duval challenges the pre-tribulation rapture perspective, noting that many past predictions have failed and arguing that it misrepresents God's role. Referencing 2 Thessalonians 2 and Revelation 13, he emphasizes that the Antichrist's authority comes solely from Satan—not from God—and points to Christ's ultimate victory over Satan.Drawing from Daniel 7–8 and 11, he explains that while some believers may be overcome due to spiritual bondage or lack of deliverance, a prepared and faithful remnant will remain strong and carry out “great exploits.” He concludes with the assurance that, despite the conflict, Jesus ultimately prevails!You can register for the Bride Ministries Marriage Advance here: https://marriage.bridemovement.comThen we ENCOURAGE you to do 4 QUICK THINGS!!Sign up to be a podcast memberwww.danduval.comBe sure to check out and like our new Facebook page: https://www.facebook.com/DiscoveringTruthNetworkSubscribe to the new podcast YouTube Channel: https://www.youtube.com/channel/UC5nxloF2rt7-dXkjppGHdFAAND Subscribe to our Rumble Channel, where we will post all of our interviews that are TOO HOT for YouTube!DiscoveringTruthNetwork (rumble.com)

Happy Thursday! Happy Masters opening day, the CBJ have another huge game tonight, we go Around the Big Ten with ESPNs Adam Rittenberg, Ryan Day doesn't have a piercing, 2019 Clemson loss haunts him, White Sox are having a Pope hat night, you can make money smelling dog's breath & we play some Too Hot audio.

Happy Thursday! Joshua Perry in for Timmy today, someone thought Man was Rothman, we chat about our favorite Easter candies, Ryan Day has thoughts on fixing NIL, we go Around the Big Ten with ESPNs Adam Rittenberg, we do cartoon voices give Joshua a Bravo test & we play some Too Hot audio.

Happy Thursday! It's MLB Opening Day, Netflix coverage was awful last night, we chat college football with ESPNs Adam Rittenberg, someone is peeing all over Airbnb's, we have LJT with Nicole Shearin, we tell you what movie series we could write & we play some Too Hot audio.

Happy Thursday! We recap the Buckeyes loss to TCU & Bruce's final game as a Buckeye, we update you on the other NCAA tourney games, we go Around the Big Ten with ESPNs Adam Rittenberg, we chat about new MLB ballpark food items & we give you some Too Hot audio.

Happy Too Hot Thursday! We recap the Buckeyes win over Iowa, Ohio State hires a new president, we hear from Julian Sayin, we chat college football with ESPNs Adam Rittenberg, people are seeing Bigfoot in Ohio, Pickle Palooza is coming to town & we play some Too Hot audio.

Danielle is joined by a young (and tall) reality TV star who turned his reputation as an “f boy” into that of a more evolved bachelor looking to settle down. He WAS “Too Hot to Handle, but now Harry Jowsey is “boyfriend material.” Netflix’s next leading man chats all about his awkward teen years, while we get a rundown on the Down Under hot spots which served as the possible gateway to his unscripted stardom. Plus, we follow Harry’s journey to traditional acting and how he’s now baring it all (emotionally) on his new show, “Let’s Marry Harry.” It’s a new, and hip, episode of “Teen Beat!”See omnystudio.com/listener for privacy information.

Happy Too Hot Thursday! We recap the Buckeyes big win over Penn State, some SEC coaches like the 24 playoff team idea, we chat about Latvian geography, we go Around the Big Ten with ESPNs Adam Rittenberg, sextinction is coming, Man wants to be the Wendy's taster & we play some Too Hot audio.

Happy Too Hot Thursday! CBJ back in action tonight, Common Man visits the dentist, we take a look at some Big Ten financial numbers, we chat with ESPNs Adam Rittenberg, we recap the OSU hoops loss to Iowa, owing a fast food franchise is affordable, we're big fans of the Tampa airport & we play some Too Hot audio.