Podcasts about TPA

Host Victor previews upcoming podcast coverage (The Pitt , Industry finale, DTF St. Louis, Paradise, and Drops of God) and then, with Kim, discusses Drops of God's competition setup as Camille manipulates a winemaker to swap in the Georgian wine, likely straining her relationship with Tomas and causing family fallout. They pivot to The Pitt  season 2 episode 8, where a cyberattack forces the ER to operate without electronic systems, highlighting analog workflows (paper charts, faxing, handwritten orders, pharmacist-controlled meds) and logistical delays. They revisit lingering cases and beats: Harlow's drawn-out ASL communication ending in a tension headache; an obese patient requiring special handling and raising fat-bias concerns; rape kits not being picked up in time; a hospice cancer patient's pain management and “double effect”; sudden blindness treated with TPA; a law student's psychosis prognosis; staff character moments (McKay's sobriety, Joy's photographic memory and diagnosis of phytophotodermatitis); and Mel's deposition tied to last season's measles case. mailto:needssomeintroduction@gmail.com   00:00 Show Updates and Schedule 02:42 Drops of God Plot Twist 06:55 Switching to The Pitt 07:33 Last Week Loose Ends 10:40 Duke Mystery Returns 12:03 Hospital Goes Analog 13:08 Old Medical TV vs Reality 17:51 Deaf Patient Frustrations 20:03 Obesity Case and Bias 24:16 Rape Kit System Failure 26:17 Hospice Pain Ethics 27:25 Sudden Blindness TPA Debate 31:00 Law Student Background Case 31:27 Parents Face New Reality 33:24 Bipolar Versus Schizophrenia 34:18 Coworker Recovery Check In 35:06 Joy's Hidden Talents 38:07 Margarita Burn Diagnosis 40:13 Measles Deposition Fallout 43:09 Underserved Characters Spotlight 46:19 Generations and Analog Medicine 50:34 Realism Versus TV Medicine 52:33 Behind the Scenes Craft 57:00 Extras and Waiting Room Grind 58:10 Next Week and Podcast Plugs

1. The Social Media Geniuses at Tampa International AirportShoutout to TPA's viral social strategy.Recurring character: Phoebe the Flamingo (giant airport flamingo mascot).Known for humorous, tongue-in-cheek posts.2. The Viral PostRecap of the joke announcement:Claiming they already banned Crocs.Now tackling the “even larger crisis” — pajamas at the airport.Dramatic language: “The madness stops today. The movement starts now.”Clearly satire… right?3. The Internet Takes It SeriouslyOutrage from people outside Tampa.Major outlets pick it up:New York PostABC NewsInStyleHeadlines frame it as a real controversy.Discussion: Clickbait vs. context.4. Why the Joke Worked So WellDeadpan delivery.Commitment to the bit.Absurdity (a flamingo endorsing policy changes).The power of social media virality.5. The Pajama DebateShould you wear pajamas to the airport?Comfort vs. presentation.Travel culture: 1950s formal vs. modern casual.Personal takes:“Comfy is fine.”“At least look presentable.”Dressing for your destination.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

New Zealand is third in the world for the number of orbital rocket launches from our shores, sitting just behind the US and China. Phil Vine discovers some of the challenges raised by our push into the unknown and how it is changing the final frontier.Sign up to the Our Changing World monthly newsletter for episode backstories, science analysis and more.Learn more:Through a science experiment on the ISS, New Zealand researchers have been taking advantage of the unique conditions in low earth orbit to investigate commercial opportunities. While New Zealand is well known as a place from which to launch rockets, we do not have a lot of our own hardware in space (the University of Auckland does have TPA-1 CubeSat). But that might be about to change.Tech bros turned space bros like Elon Musk are making big waves out in orbit. The latest news is that Musk is hoping to harness the sun through satellites to power AI data centres.The New Zealand government's biggest investment in an international space mission ended in failure last year after MethaneSAT, a satellite built to detect methane emissions around the world, lost contact. While there are challenges inherent in humans and their technology being in space, that's not all that is going on. Scientists are keeping a close eye on an active black hole and bright lights have Northland locals turning their eyes to the skies.Guests:Mark Rocket, CEO Kea AerospaceDr Priyanka Dhopade, senior lecturer in mechanical and mechatronics engineering, University of AucklandDr Tuana Yazici, space law expertGo to this episode on rnz.co.nz for more details

On this episode of Astonishing Healthcare, Judi Health's Mike Tate (VP, National Business Development) and Mark Pearce (Director, TPA Operations) join us in the studio to discuss the role of Third-Party Administrators (TPAs) in the self-funded employer market. As Mike explains, TPAs act as the "enforcers" of an employer's plan document, responsible for pulling everything together and ensuring claims accuracy, network access, and financial stewardship. Mark dives into the distinction between carrier-owned (ASO) and independent TPAs, explaining how independent models offer greater flexibility in plan design. And of course, they highlight a significant industry challenge: legacy technology. Many administrators rely on antiquated systems that limit customization and data visibility. In contrast, modern platforms empower plan sponsors to integrate point solutions effectively, customize networks for high-value care (e.g., through centers of excellence), and drive better member engagement. If you've ever asked yourself, "What does a TPA really do?" or "Should I look at different TPAs?" this episode will be worth your time to listen to.Ultimately, successful healthcare administration relies on managing "hundreds of little things" correctly for each benefit (Rx, medical, vision, and dental) - from provider payments to member support. That's how you create positive financial and clinical outcomes. Related ContentAH080 - Health Benefits 101: The Importance of "Smart" Care Navigation, with Andy KageleiryReplay: The Future of Health Benefit Design: How Judi® Powers Seamless Care and Better OutcomesAH067 - Aligned Health Benefits and the Freedom to Unbundle, with Kristin Begley, PharmDJudi Health™ Earns Best Healthcare InsurTech Solution in the 9th Annual MedTech Breakthrough Awards ProgramFor more information about Judi Health and this episode, please visit Judi Health - Insights.

Sunstone Health CEO Joshua Resnikoff joins Chris Lustrino to explain how Sunstone uses AI on healthcare claims data to proactively identify children with developmental delay—starting with epilepsy and autism—and help families reach the right specialists and diagnostics faster.They break down what claims data is, why the healthcare system is reactive by default, and how Sunstone's approach can compress what often takes years into roughly weeks by flagging high-need cases, coordinating advanced diagnostics, and delivering actionable next steps. Joshua also shares Sunstone's go-to-market strategy (positioned as an employer-paid benefit), why the pricing model is designed to reduce “point-solution bloat,” and how expansion could move across employers, TPAs, reinsurers, and large insurers. 00:00 Needle-in-a-haystack intro03:13 What Sunstone does (AI + claims data)05:32 Flagging patients vs. diagnosing07:21 Employer benefit + privacy model15:54 GTM + sales cycle reality17:57 Outcome-based pricing model20:16 Unit economics ($10k per case)22:11 Expansion paths + other diseases26:23 Fundraise use of proceeds28:03 Investor closing

What does a total portfolio approach look like inside an investment organization? Roger Urwin, Global Head of Investment Content at Willis Towers Watson, describes how TPA functions in practice, from new roles like the Chief Total Portfolio Officer to the governance structures, data, and decision frameworks that shape portfolio-wide thinking. Speaking with Mona Naqvi, Managing Director of Research, Advocacy, and Standards at CFA Institute, he discusses the guardrails that support disciplined decision-making, the skills and mindsets required to operate across silos, and why resilience, foresight, and systems thinking are becoming core investment competencies. Listen to the episode to understand how asset owners are applying a total portfolio lens in real-world investment organizations.

Permasalahan sampah, terutama di perkotaan, kian bikin gerah. Beberapa pemda, seperti Tangerang, Yogyakarta, dan Bali, buka-tutup TPA karena tak sanggup lagi menampung sampah baru.Indonesia darurat sampah sudah disuarakan dari dulu, tetapi belum ada perubahan signifikan soal tata kelola persampahan. Sekitar 65 persen dari total 481 TPA masih menerapkan open dumping atau penumpukan sampah di lahan terbuka. Total timbulan sampah 2025 diperkirakan mencapai 23 juta ton berdasarkan data sementara Kementerian Lingkungan Hidup. Dari jumlah tersebut, sampah yang terkelola hanya berkisar 35 persen atau 8,2 juta ton saja. Seluruh TPA diperkirakan bakal penuh atau overcapacity pada 2028.Hal ini disinggung Presiden Prabowo Subianto beberapa waktu lalu di hadapan para kepala daerah se-Indonesia dalam Rakornas Pemerintah Pusat dan Daerah di Sentul, Bogor. Di forum itu Prabowo mendeklarasikan perang melawan sampah. Strateginya dengan menggulirkan 34 proyek waste-to-energy, berupa pembangunan fasilitas pengolahan sampah menjadi energi listrik (PSEL). Apakah proyek tersebut adalah solusi darurat sampah?Di Ruang Publik kita akan bahas topik ini bersama Zero Waste Campaigner Greenpeace Indonesia Ibar Akbar.

In this episode of Head, Heart, and Boots, Brandon and I sit down with Andrew Dobson, owner of ServPro Team Dobson, one of the largest ServPro operators in the country with nineteen licenses across multiple markets. Andrew shares the full origin story of how he grew up in a family cleaning business, left a creative path that once pointed toward Pixar, and slowly built a restoration operation grounded in process, precision, and relentless attention to detail. We dig into Andrew's partnership with his father, what it takes to successfully merge family businesses, and how clearly defined roles, operating agreements, and trust allowed them to scale without breaking the relationship. Andrew unpacks his obsession with design and user experience, explaining how lessons from web design, baseball, and usability testing shaped everything from warehouse layout to truck setups to customer-facing processes. The conversation goes deep into leadership development, soft skills, and why technical excellence alone is not enough to win in restoration. Andrew shares hard-earned lessons about first impressions, customer perception, sales and operations alignment, and the mistake he made trying to hire leaders without enough industry depth. We also explore his newest venture, Certified Restoration Training, and his mission to raise the standard of professionalism across the industry through technical training and soft skills education. This episode is packed with practical insight for owners trying to scale, leaders developing teams, and anyone who believes that inches add up to miles when it comes to building a great company. Hope you enjoy. Chris Why You Should Listen [00:04:17] How Andrew went from a family cleaning business and a near-career in animation to building one of the largest ServPro teams in the country [00:10:19] What it really takes to successfully partner with family, including operating agreements, role clarity, and navigating shared risk [00:17:54] How an obsession with process, usability, and design transformed warehouses, trucks, and field execution into a competitive advantage [00:26:21] A powerful lesson on first impressions, soft skills, and why customer perception matters more than effort or intent [00:48:17] Why hiring professional managers without deep industry understanding became a leadership mistake, and what Andrew learned about developing true operators and leaders Did you know... Only 30% of businesses listed for sale actually find a buyer? Even more striking, just 10% of those sell for the price their owners anticipated or higher, meaning only 3% of all business owners achieve their desired sale price. By focusing on understanding and enhancing your enterprise value, you can significantly boost your chances of joining that successful 3%. Business Health & Value Assessment Start Assessment Know Your Enterprise Value. See Your Potential Gaps. Complete this assessment in less than 15 minutes and receive a free assessment for your business that includes: A Lite Valuation Of Your Business Your Value Multiplier Per Your Industry Health Assessment Per Our PYB Methodology Business Value & Growth Roadmap Tailored For You Value Acceleration Strategies Spotlight on Floodlight: Your Secret Weapon for Sales & Scaling This isn't a paid plug. It's real talk from the front lines. If you've ever thought, “How do I get a VP-level sales leader or even a sales team without hiring full-time?” Floodlight has the answer. Fractional Sales Leadership They act as your outsourced VP of Sales, taking full responsibility for training, managing, and growing your sales team. No six-figure hire needed. Clients often close 20 to 50 percent more deals within six months, thanks to data-driven coaching, CRM setup, scripts, and performance reviews.More at floodlightgrp.com/sales Commercial Sales MasterCourse A self-paced, video-driven B2B sales course designed specifically for restoration teams. Perfect for building commercial revenue and getting free from TPA handcuffs. Covers mindset, prospecting, pipeline building, LinkedIn lead generation, and includes a $250 discount with code SALESBOOST.Details at floodlightgrp.com/courses Tailored Consulting & Coaching Floodlight's Propel Your Business methodology offers a full-circle roadmap: financials, sales, marketing, leadership, recruiting, productivity. All built for contractors. These aren't “life coaches.” They're former restoration owners who've lived the chaos and know how to scale out of it.Explore more at floodlightgrp.com Live Training, Tools & Strategic Partnerships Floodlight also delivers live onsite and virtual training, keynote speaking, and leadership tracks covering operations, project management, and strategic growth. Bonus: They've vetted tools like Xcelerate, Liftify, and Sureti. Floodlight clients get access to exclusive discounts on tech that actually moves the needle.See all partnerships at floodlightgrp.com/partners Why it matters for you as a listener You don't need to figure this stuff out alone. If you're serious about sales growth, operational clarity, exit readiness, or leadership development, Floodlight is already helping folks like you scale smarter. And you get it from industry insiders. People who've sat in your chair, survived the fires, and built systems that actually work.

Stephen Gilmore is the Chief Investment Officer of CalPERS, which at $600 billion is the largest public pension fund in the U.S. and one of the largest institutional pools of capital in the world. Stephen joined CalPERS eighteen months ago from a career spanning Wall Street, the IMF, and two of the most innovative sovereign wealth funds, where he was Chief Investment Strategist at Australia Future Fund and CIO at New Zealand Super Fund.   Our conversation dives into the theory and implementation of the Total Portfolio Approach, drawing on Stephen's experience at Australia and New Zealand, and his plans for CalPERS. We cover the TPA mindset, its fostering of sound governance and accountability, comparisons to Strategic Asset Allocation, challenges of implementation, and the adaptation of the model at CalPERS.   Stephen is one of the most experienced practitioners of TPA in the world. Our discussion pairs well with my recent conversation with Ashby Monk, as more allocators learn and consider this approach to managing assets.  Learn more about our Strategic Investments: Thema.   Learn More Follow Ted on Twitter at @tseides or LinkedIn Subscribe to the mailing list Access Transcript with Premium Membership   Editing and post-production work for this episode was provided by The Podcast Consultant (⁠https://thepodcastconsultant.com⁠)

Roger Urwin, Global Head of Investment Content at Willis Towers Watson, reflects on how leading asset owners are rethinking strategic asset allocation amid faster regime change, rising systemic risk, and growing complexity. In a conversation hosted by Mona Naqvi, Managing Director of Research, Advocacy, and Standards at CFA Institute, he draws on decades of experience advising global funds to explain why a total portfolio mindset is gaining traction—and how it reframes goals, governance, and investment decision-making. The discussion explores what it means to invest through a truly holistic lens, why mindset and organizational design matter as much as models, and how the investment profession may need to evolve for a more uncertain world. Listen to the episode to hear Roger Urwin's perspective on the shift from strategic asset allocation to a total portfolio approach.   Chapter Markers  00:00 Introduction and Welcome 01:12 Roger Irwin's Career and Industry Background 04:02 Why Total Portfolio Approach Matters Now 04:58 Origins of Strategic Asset Allocation (SAA) 09:32 Benchmarks, Universality, and Communication Challenges 12:01 How TPA Addresses Complexity 14:47 Accessibility vs Flexibility: SAA vs TPA 16:13 Governance Trade-offs and Organizational Design 17:53 Systems Thinking and Market Disruption 19:16 Ecosystem Thinking, Reflexivity, and Risk Models 21:21 Recalibrating Investment Frameworks 22:56 Is TPA More Resilient Than SAA? 24:27 People, Incentives, and Cultural Barriers 28:49 AI, Human Intelligence, and the Future Analyst 30:46 Human + Artificial Intelligence in Investing 34:48 Managing Systemic Risk and Long-Term Horizons 40:57 Value Creation in a World of Real-Time Information 43:55 Stewardship, System-Level Investing, and Externalities 45:00 Can SAA and TPA Coexist? 47:29 Industry Momentum and What Comes Next 49:36 Closing Thoughts and Series Preview

In Episode 498, host Stacey Richter converses with Mark Noel of ClaimInsight about the critical aspects of payment integrity within self-insured employers and plan sponsors, focusing on the arms race with revenue cycle management (RCM).  The discussion reveals three main insights: the substantial impact of small claim errors, the inherent flaws and conflicts within prepayment analysis by TPAs, and the problematic financial incentives influencing claim processing. Noel emphasizes the importance of prepayment integrity for both plan savings and protecting members, underscoring the need for meticulous oversight and proactive management in payment processes. === LINKS ===

¿Es rentable la ORA? El Ayuntamiento de Ourense ha eliminado los parquímetros. ¿Podría ser factible esto en Asturias? Con oyentes y opinantes. Las otras noticias con José Luis Rodríguez y la actualidad europea en clave asturiana, con Mercosur de protagonista, nos la acerca desde Bruselas Mario Bango. La reflexión filosófica de toda la actualidad que nos deja la jornada, de la mano del profesor José Antonio Méndez Sanz. Todos los detalles del festival Maixeira, primera edición en Tapia de Casariego. Hablamos con Teté Balseiro y Martina Bueno, que esta noche estrenan en TPA “Soy de barrio”. La selección musical con Rafa Balbuena, La Quijotada y una mirada a otro tipo de cine, nominado a cinco premios Goya. Charlamos con el director de “Ciudad sin sueño”, Guillermo Galoe.

Tampa International Airport and its onsite contractors and concessionaires want to fill more than two hundred jobs ahead of Spring Break, which is the busiest time of year at TPA. Those jobs range from airport police officers to maintenance and concessions. We speak with TPA spokesperson Josh Gillin about Wednesday morning's (28th) job fair. See omnystudio.com/listener for privacy information.

O Parlamento angolano aprovou, nesta quinta-feira, 22 de Janeiro, em votação final, a lei sobre o estatuto das ONG, com os votos contra da UNITA, que considerou que o diploma restringe a liberdade de associação. Em entrevista à RFI, Zola Álvaro, activista e presidente da Associação Cívica Handeka, refere que esta lei vai dificultar o trabalho das ONG e reintroduz o espírito de controlo, o que constitui uma violação do direito à liberdade de associação.   O MPLA, partido no poder em Angola, considera que esta lei “reafirma o princípio do Estado de direito”. Este diploma salvaguarda os direitos das ONG em Angola? Discordamos todos a esse nível. Tanto as organizações da sociedade civil como os 72 deputados da UNITA -que votaram contra - e as duas abstenções. Uma posição diferente da dos deputados do MPLA, que votaram a favor [do diploma]. Primeiro, há um conjunto de preocupações em torno da aprovação desta lei, principalmente quando é aprovada num contexto pré-eleitoral, com toda essa celeridade, e quando tenta ressuscitar normas já declaradas inconstitucionais pelo Tribunal Constitucional angolano. No Acórdão n.º 447/17, que revogou o Decreto Presidencial n.º 74/15, a [lei das ONG] tenta claramente introduzir este espírito de controlo através de uma lei ordinária, o que constitui uma violação material do direito à liberdade de associação. O Governo angolano refere que esta lei confere às ONG um quadro jurídico “claro, moderado e equilibrado”. Não era necessário preencher este buraco na lei? Claro que não. A lei estabelece um conjunto de barreiras burocráticas que asfixiam [as ONG], com obrigatoriedades. O artigo 19 contém um conjunto de exigências, como é o caso de relatórios mensais exaustivos. Essas medidas desviam os recursos e o tempo que deviam ser dedicados ao apoio directo às populações mais vulneráveis. Depois, há ainda o artigo 22, que fala sobre a não exportação do capital já doado pelas organizações. Isso retira toda a confiança do doador, porque, na definição, construção e arquitectura de projectos, pode haver excedentes, e esses excedentes têm de ser devolvidos ao doador, conforme as exigências contratuais. Ao existir uma lei doméstica que proíbe essa garantia, vai, certamente, retirar toda a confiança do doador nesse processo de aprovação de projectos locais. O executivo refere ainda que esta lei vai permitir o combate ao branqueamento de capitais e ao financiamento do terrorismo… Até agora, não há registos, nem qualquer decisão judicial, de que uma associação angolana esteja envolvida em branqueamento de capitais ou em financiamento do terrorismo. Essa preocupação expressa na lei pode ser legítima, mas não se trata de uma questão de prevenção. Não, é de facto, uma questão de controlo das organizações. Trata-se de uma forma de o Governo controlar a liberdade e a autonomia das associações? Há aqui um aproveitamento nesse sentido, porque Angola já dispõe de um conjunto de dispositivos normativos próprios que previnem o branqueamento de capitais, a corrupção e o financiamento do terrorismo. A UNITA, o principal partido da oposição no país, votou contra, alertando para o facto de esta lei restringir a liberdade de associação. A partir de hoje, o trabalho das ONG fica mais difícil? Fica muito mais difícil a partir de agora, porque temos de entender que a intenção fundamental desta lei é, de facto, impedir que as associações continuem a operar com o mesmo nível de autonomia. Esta lei confere poder ao Governo, principalmente no que diz respeito ao encerramento das organizações. Isso demonstra, de facto, o rosto e as pretensões da aprovação desta lei. Quais são as outras mudanças que serão implementadas com esta lei, relativamente ao trabalho das ONG? Os artigos 7.º e 34.º permitem ao órgão decisor -ou seja, a um órgão com poder administrativo - propor onde os projectos devem ser executados e exigir a manutenção de registos dos beneficiários efectivos e de outras pessoas que controlam ou estejam a gerir essas organizações. Ora, as organizações identificam, elas próprias, os espaços adequados para a implementação dos seus projectos. Se existe um órgão administrativo que vai redefinir onde os projectos devem ser executados, isso já não é uma questão de autonomia das organizações. Trata-se de a administração política decidir, efectivamente, onde as organizações devem realizar ou executar as suas actividades. Isso retira, de alguma maneira, a capacidade de decisão própria, a autonomia e a vontade das organizações. Outra grande preocupação prende-se com a obrigação de as organizações partilharem o registo dos beneficiários dessas mesmas actividades. Basta pensarmos, por exemplo, numa associação como a Kutakesa, com objectivos claros de protecção de defensores de direitos humanos, que tem na sua base de dados um conjunto de defensores perseguidos pelo Governo angolano. Já vemos aqui, de facto, uma situação extremamente delicada, em que a instituição que vai monitorizar o exercício das associações exige, efectivamente, uma base de dados desses beneficiários de protecção. Aqui há, de forma clara, má-fé, tanto do proponente como do legislador, ao retirar, de facto, às organizações a autonomia e a capacidade de preservar a identidade dos beneficiários, muitos dos quais têm sido alvo de graves violações de direitos humanos, sendo que o grande prevaricador tem sido o próprio Governo angolano. A proposta de lei sobre a disseminação de fake news (notícias falsas) foi aprovada na generalidade e será agora apreciada na especialidade. Esta lei ajusta-se à realidade de Angola? Não, não se ajusta. Na verdade, o que acontece é que estamos próximos de um processo eleitoral e, ao longo dos últimos anos, tem sido criada, de alguma forma, uma arquitectura, um conjunto de propostas de lei que visam restringir o espaço cívico, limitar as acções das organizações da sociedade civil e a actuação de pessoas individuais, activistas, defensores de direitos humanos e outras iniciativas. Isto faz parte de um pacote legislativo que visa limitar o exercício das organizações da sociedade civil e a iniciativa de cidadãos em torno do próprio processo eleitoral. Há uma tentativa de limitar a liberdade de expressão e de informação? Exactamente. O executivo procura garantir que, durante um processo eleitoral, sejam asfixiadas todas as iniciativas das organizações da sociedade civil, principalmente com esta lei das fake news. Serve também para restringir, de facto, o nível de actuação da imprensa privada e dos defensores de direitos humanos. No entanto, são conhecidas as ameaças que representam as fake news, as notícias falsas. Qual seria o caminho para lutar contra esta ameaça? No contexto angolano, o maior disseminador de informações falsas que circulam na imprensa é o próprio Governo de Angola, através da manipulação da imprensa pública, nomeadamente a TPA, Televisão Pública de Angola, ou a TV Zimbo, estação de televisão privada, que funciona como uma televisão alegadamente alternativa. A televisão pública e os jornais públicos são a maior fonte de desinformação existente e, não apenas isso, são também a principal fonte de manipulação do debate público nacional. Assim, a grande preocupação deveria incidir, de facto, sobre essas fontes já claramente identificadas de desinformação. Poderia existir um mecanismo próprio, assente num espaço de concertação efectiva com a sociedade, sobre a necessidade de legislar contra a desinformação e as fake news. Este tem sido um debate internacional, mas existem mecanismos específicos para os sectores que devem ser alvo dessa preocupação legítima. Que mecanismos seriam esses? Esse processo passaria necessariamente por uma transformação tanto da imprensa pública como da privada, bem como pelo envolvimento da academia e das organizações da sociedade civil. No entanto, tudo isso exigiria vontade política. A maior parte das disposições constantes da proposta de lei visam, na prática, silenciar a imprensa privada e todos os outros intervenientes nos espaços públicos. Nos últimos anos, em Angola, sobretudo através das redes sociais, surgiram fontes alternativas de informação. Vivemos num país onde o acesso à informação, especialmente a informação de interesse público, tem sido cada vez mais escasso. Os meios de comunicação públicos praticamente não informam sobre matérias de interesse público. Assim, os angolanos recorrem a fontes alternativas, que são precisamente aquelas que estão na base da preocupação do proponente da lei -neste caso, o Presidente da República- ao propor um diploma que visa restringir o exercício dessas fontes alternativas de informação. Silenciar essas fontes? O objectivo é claro: silenciar essas fontes, silenciar, de facto, também as pessoas de bem que têm, de alguma forma, tentado informar a sociedade.

In this episode of Head, Heart, and Boots, Brandon and I dig into a simple but surprisingly powerful framework that has been shaping how we think about performance, leadership, and execution. We unpack the equation of focus, faith, and effort, and why missing any one of those variables quietly sabotages outcomes in business, leadership, and personal growth. We explore how leaders often overestimate readiness, underestimate cost, or lose confidence midstream, and how each of those breakdowns shows up differently inside teams. From imposter syndrome and emotional decision-making to role misalignment and unrealistic expectations, this conversation offers a practical lens for diagnosing why plans stall and people struggle. This episode is less about motivation and more about clarity. It is a tool for slowing down, asking better questions, and helping yourself and your team understand what is truly required to win before committing to the outcome. Hope you enjoy. Chris Why You Should Listen [00:01:24] A simple three-part equation that explains why capable people still fail to execute [00:04:33] How confidence, focus, and effort must work together and why overestimating any one of them breaks the outcome [00:08:07] Why leaders often fail to count the true cost of success and how that creates burnout, frustration, and stalled growth [00:11:01] How misalignment shows up in hiring, promotions, and role expectations when effort does not match responsibility [00:14:33] A practical coaching framework leaders can use to diagnose performance issues without defaulting to emotion or blame Did you know... Only 30% of businesses listed for sale actually find a buyer? Even more striking, just 10% of those sell for the price their owners anticipated or higher, meaning only 3% of all business owners achieve their desired sale price. By focusing on understanding and enhancing your enterprise value, you can significantly boost your chances of joining that successful 3%. Business Health & Value Assessment Start Assessment Know Your Enterprise Value. See Your Potential Gaps. Complete this assessment in less than 15 minutes and receive a free assessment for your business that includes: A Lite Valuation Of Your Business Your Value Multiplier Per Your Industry Health Assessment Per Our PYB Methodology Business Value & Growth Roadmap Tailored For You Value Acceleration Strategies Spotlight on Floodlight: Your Secret Weapon for Sales & Scaling This isn't a paid plug. It's real talk from the front lines. If you've ever thought, “How do I get a VP-level sales leader or even a sales team without hiring full-time?” Floodlight has the answer. Fractional Sales Leadership They act as your outsourced VP of Sales, taking full responsibility for training, managing, and growing your sales team. No six-figure hire needed. Clients often close 20 to 50 percent more deals within six months, thanks to data-driven coaching, CRM setup, scripts, and performance reviews.More at floodlightgrp.com/sales Commercial Sales MasterCourse A self-paced, video-driven B2B sales course designed specifically for restoration teams. Perfect for building commercial revenue and getting free from TPA handcuffs. Covers mindset, prospecting, pipeline building, LinkedIn lead generation, and includes a $250 discount with code SALESBOOST.Details at floodlightgrp.com/courses Tailored Consulting & Coaching Floodlight's Propel Your Business methodology offers a full-circle roadmap: financials, sales, marketing, leadership, recruiting, productivity. All built for contractors. These aren't “life coaches.” They're former restoration owners who've lived the chaos and know how to scale out of it.Explore more at floodlightgrp.com Live Training, Tools & Strategic Partnerships Floodlight also delivers live onsite and virtual training, keynote speaking, and leadership tracks covering operations, project management, and strategic growth. Bonus: They've vetted tools like Xcelerate, Liftify, and Sureti. Floodlight clients get access to exclusive discounts on tech that actually moves the needle.See all partnerships at floodlightgrp.com/partners Why it matters for you as a listener You don't need to figure this stuff out alone. If you're serious about sales growth, operational clarity, exit readiness, or leadership development, Floodlight is already helping folks like you scale smarter. And you get it from industry insiders. People who've sat in your chair, survived the fires, and built systems that actually work.

For your listening enjoyment this week I have Part 2 of my collaboration with The Progressive Aspect on some of the best prog rock of 2025! With great music from Andrew Latimer, EBB, The Flower Kings, echolyn, Gazpacho, Mostly Autumn, Bioscope, Big Big Train, Karmakanic, Tribe3, and Rocking Horse Music Club! And thanks again to all the TPA contributors: Alex Driessen, David Edwards, Rob Fisher, John Giordano, Jane Lee, Magnus Moar, Rick Peuser, Ian Paul Sharp, Graham Thomas, and Leo Trimming!  

Bau busuk dan bau tidak sedap dari TPA sampah menimbulkan berbagai efek buruk bagi manusia dan lingkungan. Secara kesehatan, bau menyengat dapat memicu sakit kepala, mual, pusing, iritasi saluran pernapasan, serta memperburuk asma dan gangguan pernapasan lainnya. Paparan jangka panjang juga dapat menyebabkan stres, gangguan tidur, dan penurunan kualitas hidup masyarakat sekitar. Dari sisi psikologis, bau tidak enak menimbulkan rasa tidak nyaman, emosi negatif, dan menurunkan konsentrasi. Selain itu, bau TPA sering menarik lalat, tikus, dan serangga pembawa penyakit, sehingga meningkatkan risiko penularan penyakit dan pencemaran lingkungan di kawasan sekitar.

In part one of Red Eye Radio with Gary McNamara and Eric Harley, Minnesota and the cities of Minneapolis and St. Paul sued the Trump administration Monday, seeking to block a massive federal immigration enforcement surge they say has flooded the Twin Cities with armed agents, sparked fear and unrest, and interfered with state and local authorities, according to court filings. The lawsuit names Department of Homeland Security (DHS) Secretary Kristi Noem, top officials with DHS, U.S. Immigration and Customs Enforcement (ICE) and U.S. Customs and Border Protection (CBP), including Acting ICE Director Todd Lyons and Border Patrol Commander Gregory Bovino, along with the federal agencies themselves. Also federal prosecutors open a surprise investigation into Fed Chair Jerome Powell, audio from CNN on what law enforcement officials knew about the Portland shooting involving TPA gang members, and how the left seems to want violence. For more talk on the issues that matter to you, listen on radio stations across America Monday-Friday 12am-5am CT (1am-6am ET and 10pm-3am PT), download the RED EYE RADIO SHOW app, asking your smart speaker, or listening at RedEyeRadioShow.com. Learn more about your ad choices. Visit podcastchoices.com/adchoices

In this episode of Head, Heart, and Boots, Brandon and I wrestle with one of the most difficult leadership disciplines to master: staying emotionally grounded when everything around you feels chaotic. We talk candidly about the emotional whiplash of entrepreneurship, how quickly even the best intentions and plans can get derailed by fires, and why reactivity quietly destroys momentum inside growing companies. Brandon shares his commitment to becoming a more stoic, stabilizing force for his teams - not by ignoring problems, but by slowing down, asking better questions, and anchoring decisions to a clear plan instead of emotion. We unpack how leaders unintentionally drag their teams through emotional cycles, why delayed gratification makes strategic work so hard to stick with, and how confidence is built by returning to the plan when pressure rises. This conversation is practical, uncomfortable, and deeply relatable for anyone leading people, managing clients, or trying to grow a business without burning themselves - or their team - to the ground. Hope you enjoy. Chris Why You Should Listen [00:02:17] Why emotional volatility - not lack of intelligence or effort - derails more leaders than bad strategy [00:04:53] How even well-thought-out plans collapse when leaders default to reaction instead of discipline [00:07:20] Why delayed gratification is one of the hardest skills in entrepreneurship - and how to stay committed long enough to see results [00:15:25] How slowing down, asking better questions, and refusing to emotionally “side up” can defuse client and team chaos [00:21:13] Why being a calm, steady presence builds trust, confidence, and long-term momentum inside your organization Did you know... Only 30% of businesses listed for sale actually find a buyer? Even more striking, just 10% of those sell for the price their owners anticipated or higher, meaning only 3% of all business owners achieve their desired sale price. By focusing on understanding and enhancing your enterprise value, you can significantly boost your chances of joining that successful 3%. Business Health & Value Assessment Start Assessment Know Your Enterprise Value. See Your Potential Gaps. Complete this assessment in less than 15 minutes and receive a free assessment for your business that includes: A Lite Valuation Of Your Business Your Value Multiplier Per Your Industry Health Assessment Per Our PYB Methodology Business Value & Growth Roadmap Tailored For You Value Acceleration Strategies Spotlight on Floodlight: Your Secret Weapon for Sales & Scaling This isn't a paid plug. It's real talk from the front lines. If you've ever thought, “How do I get a VP-level sales leader or even a sales team without hiring full-time?” Floodlight has the answer. Fractional Sales Leadership They act as your outsourced VP of Sales, taking full responsibility for training, managing, and growing your sales team. No six-figure hire needed. Clients often close 20 to 50 percent more deals within six months, thanks to data-driven coaching, CRM setup, scripts, and performance reviews.More at floodlightgrp.com/sales Commercial Sales MasterCourse A self-paced, video-driven B2B sales course designed specifically for restoration teams. Perfect for building commercial revenue and getting free from TPA handcuffs. Covers mindset, prospecting, pipeline building, LinkedIn lead generation, and includes a $250 discount with code SALESBOOST.Details at floodlightgrp.com/courses Tailored Consulting & Coaching Floodlight's Propel Your Business methodology offers a full-circle roadmap: financials, sales, marketing, leadership, recruiting, productivity. All built for contractors. These aren't “life coaches.” They're former restoration owners who've lived the chaos and know how to scale out of it.Explore more at floodlightgrp.com Live Training, Tools & Strategic Partnerships Floodlight also delivers live onsite and virtual training, keynote speaking, and leadership tracks covering operations, project management, and strategic growth. Bonus: They've vetted tools like Xcelerate, Liftify, and Sureti. Floodlight clients get access to exclusive discounts on tech that actually moves the needle.See all partnerships at floodlightgrp.com/partners Why it matters for you as a listener You don't need to figure this stuff out alone. If you're serious about sales growth, operational clarity, exit readiness, or leadership development, Floodlight is already helping folks like you scale smarter. And you get it from industry insiders. People who've sat in your chair, survived the fires, and built systems that actually work.

"I asked him, 'What is it that you're teaching undergraduate students about benefits?''…Just two slides. That blew me away." - Kyle MinickMy guest this week is Kyle Minick, Vice President of Employee Benefits at Summit Financial Group. Kyle returns to the show to expose a massive systemic failure: Universities are not teaching HR professionals how to manage their second-largest expense.Kyle shares the shocking story of how he discovered that major university HR programs dedicate almost zero curriculum to healthcare strategy. Instead of complaining about it, he decided to fix it. We discuss the 6-week accredited college course he built from scratch to teach the next generation of buyers about Stop-Loss, PBMs, and TPA contracts before they enter the workforce.But before we dive into the classroom, we dissect the broken market they are inheriting. We debate why Reference-Based Pricing (RBP) is failing in hospital-dominated markets like Texas, why relating prices to Medicare might be backfiring, and whether the government should step in to establish a "median price" for care.Tune in to see how we can bridge the education gap and finally train buyers to demand better.Thank you to our 2026 sponsors!ParetoHealth: ParetoHealth empowers midsize employers with a long-term solution to reduce volatility and lower overall health benefits costs. Visit ParetoHealth.com to learn more.Samaritan Fund: A program that connects those who need help to the support they need. We are proud to offer the Samaritan Fund Program. Visit SamaritanFundProgram.com to learn more.Vālenz Health: We're Vālenz Health, your partner in improving health literacy, reducing plan spend, and delivering high-value healthcare. Visit ValenzHealth.com to learn more.Imagine360: Imagine360 helps self-funded employers save on healthcare with smarter health plans. Cut expenses by 20-30% with custom solutions. Contact us today at Imagine360.com.Chapters:(00:00:00) Why RBP Struggles in Texas Monopolies (00:03:30) The "Medicare Price" Fallacy (00:11:00) Should the Government Set a Median Price? (00:25:00) The Education Gap: How Universities Failed HR (00:29:25) The "Two Slide" Curriculum Problem (00:33:00) Kyle's Solution: Building an Accredited Benefits Course (00:43:00) Teaching HR to Audit Their Consultants (00:54:30) The Syllabus: Stop-Loss, PBMs, and Contracts (01:07:00) How to Enroll & The Future of Benefits EducationKey Links for Social:@SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFundedListen/watch on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/

"I asked him, 'What is it that you're teaching undergraduate students about benefits?''…Just two slides. That blew me away." - Kyle MinickMy guest this week is Kyle Minick, Vice President of Employee Benefits at Summit Financial Group. Kyle returns to the show to expose a massive systemic failure: Universities are not teaching HR professionals how to manage their second-largest expense.Kyle shares the shocking story of how he discovered that major university HR programs dedicate almost zero curriculum to healthcare strategy. Instead of complaining about it, he decided to fix it. We discuss the 6-week accredited college course he built from scratch to teach the next generation of buyers about Stop-Loss, PBMs, and TPA contracts before they enter the workforce.But before we dive into the classroom, we dissect the broken market they are inheriting. We debate why Reference-Based Pricing (RBP) is failing in hospital-dominated markets like Texas, why relating prices to Medicare might be backfiring, and whether the government should step in to establish a "median price" for care.Tune in to see how we can bridge the education gap and finally train buyers to demand better.Thank you to our 2026 sponsors!ParetoHealth: ParetoHealth empowers midsize employers with a long-term solution to reduce volatility and lower overall health benefits costs. Visit ParetoHealth.com to learn more.Samaritan Fund: A program that connects those who need help to the support they need. We are proud to offer the Samaritan Fund Program. Visit SamaritanFundProgram.com to learn more.Vālenz Health: We're Vālenz Health, your partner in improving health literacy, reducing plan spend, and delivering high-value healthcare. Visit ValenzHealth.com to learn more.Imagine360: Imagine360 helps self-funded employers save on healthcare with smarter health plans. Cut expenses by 20-30% with custom solutions. Contact us today at Imagine360.com.Chapters:(00:00:00) Why RBP Struggles in Texas Monopolies (00:03:30) The "Medicare Price" Fallacy (00:11:00) Should the Government Set a Median Price? (00:25:00) The Education Gap: How Universities Failed HR (00:29:25) The "Two Slide" Curriculum Problem (00:33:00) Kyle's Solution: Building an Accredited Benefits Course (00:43:00) Teaching HR to Audit Their Consultants (00:54:30) The Syllabus: Stop-Loss, PBMs, and Contracts (01:07:00) How to Enroll & The Future of Benefits EducationKey Links for Social:@SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFundedListen/watch on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/

In this episode of Head, Heart, and Boots, Brandon and I have one of our most personal and vulnerable conversations to date. We step into a topic that's often misunderstood, stigmatized, or avoided altogether - alternative medicine and the role psilocybin has played in my own mental, emotional, and relational health. I share my background growing up in a deeply religious environment, my initial skepticism, and the long road that led me to explore psilocybin in a clinical, intentional setting. We talk openly about emotional reactivity, anxiety, ADD, anger, self-criticism, and the hidden cost many high-performing leaders carry as they chase growth, success, and legacy. This isn't about escapism or chasing an experience - it's about healing, stability, and building emotional margin so we can show up better for our families, our teams, and ourselves. This conversation isn't prescriptive or promotional. It's an honest exploration of curiosity, research, personal experience, and the growing body of evidence showing how some leaders are finding lasting change by addressing the battle between their ears - not just their to-do lists. Hope you enjoy, Chris Why You Should Listen: [00:02:44] Why emotional stability - not motivation or discipline - may be the missing piece for leaders stuck in anxiety, anger, or burnout [00:06:45] How psilocybin therapy moved from military PTSD research into the lives of high-performing professionals seeking lasting mental health [00:11:24] What a single therapeutic experience can reveal about self-criticism, reactivity, and the hidden narratives shaping your behavior [00:22:00] How increased emotional margin can transform relationships with spouses, kids, and teams, not just productivity [00:31:37] Why intention, environment, and facilitation matter, and how misuse versus medicine creates radically different outcomes Did you know... Only 30% of businesses listed for sale actually find a buyer? Even more striking, just 10% of those sell for the price their owners anticipated or higher, meaning only 3% of all business owners achieve their desired sale price. By focusing on understanding and enhancing your enterprise value, you can significantly boost your chances of joining that successful 3%. Business Health & Value Assessment Start Assessment Know Your Enterprise Value. See Your Potential Gaps. Complete this assessment in less than 15 minutes and receive a free assessment for your business that includes: A Lite Valuation Of Your Business Your Value Multiplier Per Your Industry Health Assessment Per Our PYB Methodology Business Value & Growth Roadmap Tailored For You Value Acceleration Strategies Spotlight on Floodlight: Your Secret Weapon for Sales & Scaling This isn't a paid plug. It's real talk from the front lines. If you've ever thought, “How do I get a VP-level sales leader or even a sales team without hiring full-time?” Floodlight has the answer. Fractional Sales Leadership They act as your outsourced VP of Sales, taking full responsibility for training, managing, and growing your sales team. No six-figure hire needed. Clients often close 20 to 50 percent more deals within six months, thanks to data-driven coaching, CRM setup, scripts, and performance reviews.More at floodlightgrp.com/sales Commercial Sales MasterCourse A self-paced, video-driven B2B sales course designed specifically for restoration teams. Perfect for building commercial revenue and getting free from TPA handcuffs. Covers mindset, prospecting, pipeline building, LinkedIn lead generation, and includes a $250 discount with code SALESBOOST.Details at floodlightgrp.com/courses Tailored Consulting & Coaching Floodlight's Propel Your Business methodology offers a full-circle roadmap: financials, sales, marketing, leadership, recruiting, productivity. All built for contractors. These aren't “life coaches.” They're former restoration owners who've lived the chaos and know how to scale out of it.Explore more at floodlightgrp.com Live Training, Tools & Strategic Partnerships Floodlight also delivers live onsite and virtual training, keynote speaking, and leadership tracks covering operations, project management, and strategic growth. Bonus: They've vetted tools like Xcelerate, Liftify, and Sureti. Floodlight clients get access to exclusive discounts on tech that actually moves the needle.See all partnerships at floodlightgrp.com/partners Why it matters for you as a listener You don't need to figure this stuff out alone. If you're serious about sales growth, operational clarity, exit readiness, or leadership development, Floodlight is already helping folks like you scale smarter. And you get it from industry insiders. People who've sat in your chair, survived the fires, and built systems that actually work.

A negative angiogram in a patient with recurrent lower GI bleeding often calls for provocative angiography. In this episode of the BackTable Podcast, IR hosts Mike Barraza and Sabeen Dhand team up to talk tools, techniques, and tPA dosing for safe and effective treatment of lower GI bleeds with provocative mesenteric angiography.---This podcast is supported by:RADPAD® Radiation Protectionhttps://www.radpad.com/---SYNPOSISDr. Dhand describes the utility of provocative angiography in recurrent lower GI bleed patients with negative CTA and angiography, addressing common myths and concerns that may contribute to its underutilization. The conversation covers detailed procedure steps for both targeted and untargeted angiography, including access sites, dosing of tPA, and angiographic technique. Dr. Dhand emphasizes the importance of gradual increases in tPA dosage in 2 mg increments, and clear communication with care teams and the patient about the nature of the procedure. He also emphasizes the effectiveness and safety of this procedure by sharing real-world cases.---TIMESTAMPS00:00 - Introduction02:04 - Provocative Angiography for Lower GI Bleeds04:09 - Detailed Protocol for Provocative Angiography11:13 - Technical Details and Best Practices20:07 - Challenges in GI Bleeding Studies22:40 - Selective Embolization Techniques27:44 - Handling Negative Angiograms32:56 - Real-World Case Studies35:15 - Final Thoughts---RESOURCESThiry et al. Provocative Mesenteric Angiography: Outcomes and Standardized Protocol for Management of Recurrent Lower Gastrointestinal Hemorrhagehttps://pubmed.ncbi.nlm.nih.gov/34506023/

Pulmonary embolisms don't always announce themselves... sometimes they ambush. One minute your patient is walking with physical therapy, the next they're hypotensive, hypoxic, and coding. This re-released early episode dives deep into why PE patients can look deceptively stable… right up until they aren't.In this episode, I revisit one of my earliest case-based teachings on pulmonary embolism, updated with an added segment on vasopressin use in obstructive shock from PE. Through real bedside stories from my time as a rapid response and ER nurse, we break down the physiology behind PE-related collapse, why intubation isn't always the answer, and how to think through management when the right ventricle is failing in front of you. This is a sobering but essential refresher on one of the most dangerous diagnoses we encounter.Topics discussed in this episode:Why pulmonary embolism is a common cause of in-hospital cardiac arrest (even if it's not common overall)Classic and subtle PE presentations and why they're often missedA real-time rapid response case: stable to crashing in minutesRisk factors for PE and the anticoagulation double-edged swordObstructive shock explained: what's actually killing the patientRight ventricular failure, septal bowing, and the spiral of deathWhy intubation can worsen outcomes in massive PEVasopressors in PE: norepinephrine, epinephrine, and vasopressinThe unique benefits of vasopressin in obstructive shockThrombolysis vs. thrombectomy: when TPA helps — and when it's deadlyBedside echo findings that point to massive PEWhy PE patients can crash during transport (and what to always bring)Nursing vigilance, rapid escalation, and activating help earlyWhen perfect care still isn't enough and the heart of nursing in end-of-life momentsMentioned in this episode:CONNECT

In this episode of Head, Heart, and Boots, Brandon and I dig into one of the most overlooked drivers of growth in service businesses: the client experience. Sparked by a frustrating real-world story, we unpack how even well-intentioned teams can slowly erode trust through poor communication, missed expectations, and a lack of follow-through - and why those failures compound over time. We talk candidly about how competition in restoration and home services is changing, why today's customers are more informed and more skeptical than ever, and how growth, PE-backed operators, and higher deductibles are raising the bar for professionalism across the industry. From engineering a client experience instead of relying on heroics, to setting expectations early, owning the hard parts of the process, and designing workflows that protect trust, this episode is a practical reminder that growth doesn't come from doing more work - it comes from doing the work better. If you're a business owner or leader trying to scale without sacrificing reputation, referrals, or sanity, this conversation is a must-listen. Hope you enjoy. Chris Why You Should Listen [00:02:45] How a single bad customer experience exposed the quiet ways service quality erodes - even inside well-run companies [00:06:09] Why growth, higher deductibles, and more sophisticated competitors are forcing service businesses to rethink how they win and retain clients [00:09:45] How poor communication and unmanaged expectations turn customers into project managers - and destroy trust in the process [00:18:08] Why engineering a client experience beats relying on individual heroics — and how workflows protect both customers and teams [00:29:27] How setting expectations early, telling clients the hard truths, and embracing friction can actually become your biggest competitive advantage Did you know... Only 30% of businesses listed for sale actually find a buyer? Even more striking, just 10% of those sell for the price their owners anticipated or higher, meaning only 3% of all business owners achieve their desired sale price. By focusing on understanding and enhancing your enterprise value, you can significantly boost your chances of joining that successful 3%. Business Health & Value Assessment Start Assessment Know Your Enterprise Value. See Your Potential Gaps. Complete this assessment in less than 15 minutes and receive a free assessment for your business that includes: A Lite Valuation Of Your Business Your Value Multiplier Per Your Industry Health Assessment Per Our PYB Methodology Business Value & Growth Roadmap Tailored For You Value Acceleration Strategies Spotlight on Floodlight: Your Secret Weapon for Sales & Scaling This isn't a paid plug. It's real talk from the front lines. If you've ever thought, “How do I get a VP-level sales leader or even a sales team without hiring full-time?” Floodlight has the answer. Fractional Sales Leadership They act as your outsourced VP of Sales, taking full responsibility for training, managing, and growing your sales team. No six-figure hire needed. Clients often close 20 to 50 percent more deals within six months, thanks to data-driven coaching, CRM setup, scripts, and performance reviews.More at floodlightgrp.com/sales Commercial Sales MasterCourse A self-paced, video-driven B2B sales course designed specifically for restoration teams. Perfect for building commercial revenue and getting free from TPA handcuffs. Covers mindset, prospecting, pipeline building, LinkedIn lead generation, and includes a $250 discount with code SALESBOOST.Details at floodlightgrp.com/courses Tailored Consulting & Coaching Floodlight's Propel Your Business methodology offers a full-circle roadmap: financials, sales, marketing, leadership, recruiting, productivity. All built for contractors. These aren't “life coaches.” They're former restoration owners who've lived the chaos and know how to scale out of it.Explore more at floodlightgrp.com Live Training, Tools & Strategic Partnerships Floodlight also delivers live onsite and virtual training, keynote speaking, and leadership tracks covering operations, project management, and strategic growth. Bonus: They've vetted tools like Xcelerate, Liftify, and Sureti. Floodlight clients get access to exclusive discounts on tech that actually moves the needle.See all partnerships at floodlightgrp.com/partners Why it matters for you as a listener You don't need to figure this stuff out alone. If you're serious about sales growth, operational clarity, exit readiness, or leadership development, Floodlight is already helping folks like you scale smarter. And you get it from industry insiders. People who've sat in your chair, survived the fires, and built systems that actually work.

In this episode of Head, Heart, and Boots, Brandon and I sit down for a raw, unfiltered look at the last 60 days - the travel, the pressure, the wins we haven't slowed down to celebrate, and the realities of running two fast-moving companies at the same time. We talk about what it feels like when your business hits a streak of negative momentum, how long it takes to turn the ship, and why even small signs of stabilization matter more than you think. We get into the personal side, too - the exhaustion of constant context-shifting, how hard it's been to hold routines together, and what we're learning about rest, recovery, and leadership when everything speeds up at once. From supporting two teams across time zones, to protecting focus, to the conversations that are shaping our 2026 planning, this is a behind-the-scenes look at the real rhythms of entrepreneurship. Hope you enjoy. Chris Why You Should Listen [00:01:20] What the last 60 days looked like inside two growing companies - and how to recognize when negative momentum starts, stops, and finally stabilizes [00:03:49] Why celebrating wins matters (even when you're exhausted) and how missing those moments creates long-term burnout for founders and teams [00:07:26] The truth about routines under pressure - how travel, growth, and leadership demands quietly erode the habits that keep you grounded [00:24:13] How “context shifting” destroys focus, drains leaders, and impacts entire organizations - and why reducing it may be the key to a healthier 2026 [00:38:47] A candid look at stress, mental resets, and the tools leaders are turning to - from saunas to silence to psychedelic therapy Did you know... Only 30% of businesses listed for sale actually find a buyer? Even more striking, just 10% of those sell for the price their owners anticipated or higher, meaning only 3% of all business owners achieve their desired sale price. By focusing on understanding and enhancing your enterprise value, you can significantly boost your chances of joining that successful 3%. Business Health & Value Assessment Start Assessment Know Your Enterprise Value. See Your Potential Gaps. Complete this assessment in less than 15 minutes and receive a free assessment for your business that includes: A Lite Valuation Of Your Business Your Value Multiplier Per Your Industry Health Assessment Per Our PYB Methodology Business Value & Growth Roadmap Tailored For You Value Acceleration Strategies Spotlight on Floodlight: Your Secret Weapon for Sales & Scaling This isn't a paid plug. It's real talk from the front lines. If you've ever thought, “How do I get a VP-level sales leader or even a sales team without hiring full-time?” Floodlight has the answer. Fractional Sales Leadership They act as your outsourced VP of Sales, taking full responsibility for training, managing, and growing your sales team. No six-figure hire needed. Clients often close 20 to 50 percent more deals within six months, thanks to data-driven coaching, CRM setup, scripts, and performance reviews.More at floodlightgrp.com/sales Commercial Sales MasterCourse A self-paced, video-driven B2B sales course designed specifically for restoration teams. Perfect for building commercial revenue and getting free from TPA handcuffs. Covers mindset, prospecting, pipeline building, LinkedIn lead generation, and includes a $250 discount with code SALESBOOST.Details at floodlightgrp.com/courses Tailored Consulting & Coaching Floodlight's Propel Your Business methodology offers a full-circle roadmap: financials, sales, marketing, leadership, recruiting, productivity. All built for contractors. These aren't “life coaches.” They're former restoration owners who've lived the chaos and know how to scale out of it.Explore more at floodlightgrp.com Live Training, Tools & Strategic Partnerships Floodlight also delivers live onsite and virtual training, keynote speaking, and leadership tracks covering operations, project management, and strategic growth. Bonus: They've vetted tools like Xcelerate, Liftify, and Sureti. Floodlight clients get access to exclusive discounts on tech that actually moves the needle.See all partnerships at floodlightgrp.com/partners Why it matters for you as a listener You don't need to figure this stuff out alone. If you're serious about sales growth, operational clarity, exit readiness, or leadership development, Floodlight is already helping folks like you scale smarter. And you get it from industry insiders. People who've sat in your chair, survived the fires, and built systems that actually work.

Superb melodic and symphonic progressive rock. Proggy quizzes and regular album reviews from TPA

What happens when asset owners stop managing asset classes and start managing the whole fund? How do portfolios change, and how does the industry reorient their business models around them? In this episode, a practical sequel to Season 1's introduction, we break down how TPA changes investment processes, how portfolios differ under an SAA framework, and what this means for external managers. With insights from CPP Investments, NZ Super, Blue Owl, and Capital Group, the conversation highlights how partnership, transparency, and solution-oriented relationships reshape the manager-investor relationship in a TPA world.Guests:Geoffrey Rubin, Chief Investment Strategist, Total Portfolio Management, CPP Investment BoardCharles Hyde, Head of Asset Allocation, New Zealand Superannuation Fund Eugene Podkaminer, Institutional Solutions, Capital GroupJames Clarke, Senior Managing Director, Global Head of Institutional Capital, Blue Owl CapitalEpisode Sources

In this episode of Head, Heart, and Boots, Brandon and I sit down with Claire Carreras, a musician, comedian, fashion entrepreneur, and now co-owner of 1-Tom Plumber Austin to unpack one of the most unexpected and compelling career journeys we've ever featured. Claire opens up about a childhood marked by constant relocation across multiple countries, how creativity and performance became her anchor, and how those early experiences shaped the grit and resourcefulness she now brings to building service businesses. We explore the rise and collapse of her fashion brands, the financial devastation of COVID, and what it took to rebuild her life from scratch in a new country. Claire shares the mindset shifts that helped her scale restoration and plumbing operations, the leadership lessons she brought from stages and tour vans, and her refreshingly honest view on managing people, burnout, and generational differences inside a 24/7 business. If you're drawn to real entrepreneurial stories, the raw ones, with bruises, resilience, and reinvention; this conversation is worth every minute. Hope you enjoy. Chris Why You Should Listen... [00:05:15] How a turbulent childhood, constant relocation, and exposure to wildly different cultures forged Claire's resilience and leadership instincts [00:13:03] How acting, stand-up comedy, and 15 years of international touring built the confidence, grit, and communication skills she now uses to scale home-service companies [00:20:27] What three failed fashion businesses taught her about timing, financial risk, market collapse, and how to recover when everything falls apart [00:28:14] Why she jumped into One-Tom Plumber after COVID wiped out her income, and how she built a 5-truck operation in months by leaning into clarity, systems, and urgency [00:45:06] How Claire motivates teams through uncertainty, connects personally without lowering standards, and navigates generational differences around pressure and mental health Did you know... Only 30% of businesses listed for sale actually find a buyer? Even more striking, just 10% of those sell for the price their owners anticipated or higher, meaning only 3% of all business owners achieve their desired sale price. By focusing on understanding and enhancing your enterprise value, you can significantly boost your chances of joining that successful 3%. Business Health & Value Assessment Start Assessment Know Your Enterprise Value. See Your Potential Gaps. Complete this assessment in less than 15 minutes and receive a free assessment for your business that includes: A Lite Valuation Of Your Business Your Value Multiplier Per Your Industry Health Assessment Per Our PYB Methodology Business Value & Growth Roadmap Tailored For You Value Acceleration Strategies Spotlight on Floodlight: Your Secret Weapon for Sales & Scaling This isn't a paid plug. It's real talk from the front lines. If you've ever thought, “How do I get a VP-level sales leader or even a sales team without hiring full-time?” Floodlight has the answer. Fractional Sales Leadership They act as your outsourced VP of Sales, taking full responsibility for training, managing, and growing your sales team. No six-figure hire needed. Clients often close 20 to 50 percent more deals within six months, thanks to data-driven coaching, CRM setup, scripts, and performance reviews.More at floodlightgrp.com/sales Commercial Sales MasterCourse A self-paced, video-driven B2B sales course designed specifically for restoration teams. Perfect for building commercial revenue and getting free from TPA handcuffs. Covers mindset, prospecting, pipeline building, LinkedIn lead generation, and includes a $250 discount with code SALESBOOST.Details at floodlightgrp.com/courses Tailored Consulting & Coaching Floodlight's Propel Your Business methodology offers a full-circle roadmap: financials, sales, marketing, leadership, recruiting, productivity. All built for contractors. These aren't “life coaches.” They're former restoration owners who've lived the chaos and know how to scale out of it.Explore more at floodlightgrp.com Live Training, Tools & Strategic Partnerships Floodlight also delivers live onsite and virtual training, keynote speaking, and leadership tracks covering operations, project management, and strategic growth. Bonus: They've vetted tools like Xcelerate, Liftify, and Sureti. Floodlight clients get access to exclusive discounts on tech that actually moves the needle.See all partnerships at floodlightgrp.com/partners Why it matters for you as a listener You don't need to figure this stuff out alone. If you're serious about sales growth, operational clarity, exit readiness, or leadership development, Floodlight is already helping folks like you scale smarter. And you get it from industry insiders. People who've sat in your chair, survived the fires, and built systems that actually work.

In this episode, Dr. Jackie Meyer, CPA and David Podell, Founder of Business Benefits Consultants, explore the 401H strategy, an underutilized tool in tax planning that offers significant tax savings and health benefits. They discuss the complexities of implementing this strategy, its benefits, and how it can be integrated into existing retirement plans. The conversation also covers common misconceptions about retirement planning and the importance of proper implementation and tracking.

In this episode of Head, Heart, and Boots, I sit down with Nilo Quiroz and John Villon to unpack their unlikely path from oil-and-gas engineers to running one of the fastest-growing PuroClean and 1-Tom Plumber operations in the country. We get into how early failures shaped their mindset, why putting ego aside became the key to their partnership, and how saying yes—long before they felt ready—helped them accelerate past the typical startup grind. From feeding thousands of hurricane responders to tearing out their first flooded home with support from the franchise network, their journey is a masterclass in hustle, humility, and learning fast. Hope you enjoy. Chris Why You Should Listen [00:07:36] How two radically different personalities learned to set ego aside and build a partnership that actually works under pressure [00:18:36] Why saying “yes” to unfamiliar work (and figuring it out later) became their biggest accelerator in the early years [00:24:45] What their first hurricane deployment taught them about learning fast, asking for help, and leveraging a franchise network [00:33:00] How diversification—contents, reconstruction, bio, plumbing—kept their business alive when mitigation slowed down [00:43:45] Why they see business as a marathon, not a sprint, and how that mindset helped them survive failures and grow multiple companies Did you know... Only 30% of businesses listed for sale actually find a buyer? Even more striking, just 10% of those sell for the price their owners anticipated or higher, meaning only 3% of all business owners achieve their desired sale price. By focusing on understanding and enhancing your enterprise value, you can significantly boost your chances of joining that successful 3%. Business Health & Value Assessment Start Assessment Know Your Enterprise Value. See Your Potential Gaps. Complete this assessment in less than 15 minutes and receive a free assessment for your business that includes: A Lite Valuation Of Your Business Your Value Multiplier Per Your Industry Health Assessment Per Our PYB Methodology Business Value & Growth Roadmap Tailored For You Value Acceleration Strategies Spotlight on Floodlight: Your Secret Weapon for Sales & Scaling This isn't a paid plug. It's real talk from the front lines. If you've ever thought, “How do I get a VP-level sales leader or even a sales team without hiring full-time?” Floodlight has the answer. Fractional Sales Leadership They act as your outsourced VP of Sales, taking full responsibility for training, managing, and growing your sales team. No six-figure hire needed. Clients often close 20 to 50 percent more deals within six months, thanks to data-driven coaching, CRM setup, scripts, and performance reviews.More at floodlightgrp.com/sales Commercial Sales MasterCourse A self-paced, video-driven B2B sales course designed specifically for restoration teams. Perfect for building commercial revenue and getting free from TPA handcuffs. Covers mindset, prospecting, pipeline building, LinkedIn lead generation, and includes a $250 discount with code SALESBOOST.Details at floodlightgrp.com/courses Tailored Consulting & Coaching Floodlight's Propel Your Business methodology offers a full-circle roadmap: financials, sales, marketing, leadership, recruiting, productivity. All built for contractors. These aren't “life coaches.” They're former restoration owners who've lived the chaos and know how to scale out of it.Explore more at floodlightgrp.com Live Training, Tools & Strategic Partnerships Floodlight also delivers live onsite and virtual training, keynote speaking, and leadership tracks covering operations, project management, and strategic growth. Bonus: They've vetted tools like Xcelerate, Liftify, and Sureti. Floodlight clients get access to exclusive discounts on tech that actually moves the needle.See all partnerships at floodlightgrp.com/partners Why it matters for you as a listener You don't need to figure this stuff out alone. If you're serious about sales growth, operational clarity, exit readiness, or leadership development, Floodlight is already helping folks like you scale smarter. And you get it from industry insiders. People who've sat in your chair, survived the fires, and built systems that actually work.

On this episode, host Adam Russo welcomes Dr. David Berg, CEO and Co-Founder, Redirect Health, a TPA that allows employers, doctors and brokers to work together to provide truly affordable healthcare for every employee. David shares insights on healthcare delivery challenges, compares systems in Canada and the US, and outlines his vision for Redirect Health to provide peace of mind through affordable and accessible healthcare options. To stream our Station live 24/7 visit www.HealthcareNOWRadio.com or ask your Smart Device to “….Play Healthcare NOW Radio”. Find all of our network podcasts on your favorite podcast platforms and be sure to subscribe and like us. Learn more at www.healthcarenowradio.com/listen

Send us a textIn this episode, Yvonne and Rafael talk with Darrell Mathis, Director of Workers' Compensation for the City of Chicago, and explore his work to modernize and manage one of the nation's largest municipal programs. Darrell shares his 33-year journey from the private sector to public service, offering candid insights into program reform, transparency, and talking about “paying what we owe.” He discusses how Chicago has transformed litigation strategy, reduced claim backlogs, and improved fairness for injured employees, all while supporting first responders facing unimaginable risks. City of Chicago is self-insured and works with a TPA to administer claims. With over 33,000 employees and 3,600 open claims, Darrell's team is setting a new benchmark for municipal excellence in workers' compensation. This conversation is a must-listen for anyone interested in the intersection of leadership, accountability, service mindset, and compassion in public-sector risk management.Darrell also opens up about his own health journey and how dedicating himself to the City of Chicago and the work he loves became a key part of his recovery.Key TakeawaysHow municipal code changes, litigation reform, and payment integrity reshaped Chicago's comp program.Why “paying what we owe” builds trust and accelerates resolution.The real challenges of managing 3,600 open claims and a $700M reserve.Strategies to motivate and retain adjusters in a high-pressure environment.Chicago's commitment to care for catastrophically injured police and firefighters.Darrell's vision to make Chicago the global gold standard for workers' compensation programs. Darrell mentioned some folks who help him keep the lights on at the City of Chicago Workers' Compensation program: Donald “Taylor” Chittick – Asst. DirectorTiffany Williams – RTW Project ManagerKathleen Heenan – Workers' Compensation LiaisonTomeka Long – Workers' Compensation LiaisonAshley Chen – AdminDarrell mentions his devotion to faith and service. He is an ordained Deacon at the Progressive Baptist Church. His Pastor is Dr. Charlie E. Dates. As an officer of the Church, he is involved with many aspects of the ministry. Black Boy Lit is an initiative of Progressive Baptist Church and Salem Baptist Church. Dr. Dates is the Pastor of both churches.  Additionally, he and his wife chair a capital campaign for the church, called DREAM. ¡Muchas Gracias! Thank you for listening. We would appreciate you sharing our podcast with your friends on social media. Find Yvonne and Rafael on Linked In or follow us on Twitter @deconstructcomp

In this episode of Head, Heart, and Boots, Brandon and I sit down with Alejandro to unpack what ten years inside one of the toughest jiu jitsu cultures in the country can teach us about leadership, loyalty, and personal growth. We dig into how a broken season in his life led him to a mentor who changed everything, why the Daisy Fresh laundromat became a proving ground for world class competitors, and how the same principles that shape great fighters also shape great teams. Hope you enjoy Chris Why You Should Listen [00:02:36] How one mentor's belief and availability created lifelong loyalty and a culture people wanted to be part of [00:11:03] What living and training in an old laundromat taught fighters about discipline, discomfort, and eliminating excuses [00:21:00] The long, unglamorous process behind becoming a world class grappler and why consistency beats talent over time [00:25:39] How wrestling and jiu jitsu build confidence, emotional control, and character in kids and adults alike [00:36:05] How Alejandro revived a dead high school program by applying the same leadership principles that shaped him on the mat Did you know... Only 30% of businesses listed for sale actually find a buyer? Even more striking, just 10% of those sell for the price their owners anticipated or higher, meaning only 3% of all business owners achieve their desired sale price. By focusing on understanding and enhancing your enterprise value, you can significantly boost your chances of joining that successful 3%. Business Health & Value Assessment Start Assessment Know Your Enterprise Value. See Your Potential Gaps. Complete this assessment in less than 15 minutes and receive a free assessment for your business that includes: A Lite Valuation Of Your Business Your Value Multiplier Per Your Industry Health Assessment Per Our PYB Methodology Business Value & Growth Roadmap Tailored For You Value Acceleration Strategies Spotlight on Floodlight: Your Secret Weapon for Sales & Scaling This isn't a paid plug. It's real talk from the front lines. If you've ever thought, “How do I get a VP-level sales leader or even a sales team without hiring full-time?” Floodlight has the answer. Fractional Sales Leadership They act as your outsourced VP of Sales, taking full responsibility for training, managing, and growing your sales team. No six-figure hire needed. Clients often close 20 to 50 percent more deals within six months, thanks to data-driven coaching, CRM setup, scripts, and performance reviews.More at floodlightgrp.com/sales Commercial Sales MasterCourse A self-paced, video-driven B2B sales course designed specifically for restoration teams. Perfect for building commercial revenue and getting free from TPA handcuffs. Covers mindset, prospecting, pipeline building, LinkedIn lead generation, and includes a $250 discount with code SALESBOOST.Details at floodlightgrp.com/courses Tailored Consulting & Coaching Floodlight's Propel Your Business methodology offers a full-circle roadmap: financials, sales, marketing, leadership, recruiting, productivity. All built for contractors. These aren't “life coaches.” They're former restoration owners who've lived the chaos and know how to scale out of it.Explore more at floodlightgrp.com Live Training, Tools & Strategic Partnerships Floodlight also delivers live onsite and virtual training, keynote speaking, and leadership tracks covering operations, project management, and strategic growth. Bonus: They've vetted tools like Xcelerate, Liftify, and Sureti. Floodlight clients get access to exclusive discounts on tech that actually moves the needle.See all partnerships at floodlightgrp.com/partners Why it matters for you as a listener You don't need to figure this stuff out alone. If you're serious about sales growth, operational clarity, exit readiness, or leadership development, Floodlight is already helping folks like you scale smarter. And you get it from industry insiders. People who've sat in your chair, survived the fires, and built systems that actually work.

New Episode Alert: Claims Tech Year in Review

On today's episode of ReStructured, Melissa Terito sits down with longtime friend and fellow TPA owner, Shannon Edwards of TriStar, to talk about what it really looks like to build a boundary-first business.Shannon shares how she went from 300+ hours of overtime in a CPA firm and hauling bankers' boxes on girls' trips to closing her office at noon on Fridays, guarding her weekends, and actually unplugging on vacation (yes, with a real out-of-office that she honors).They get into the mindset shift from “I have to be available24/7” to “my team and my network can handle this,” why hobbies like golf and pickleball are non-negotiable for high performers, and how leaders unintentionally hold their people back by doing everything themselves. If you're a firm owner, partner, or ambitious professional who struggles to step away from your inbox, this conversation will give you permission and practical ideas to protect your time without sacrificing growth.Connect with Melissa on LinkedIn⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Learn about Melissa's Keynote Presentation⁠

Simon talks to Iowa House Rep Taylor Collins on the recent behavior by a student on campus towards a student organization, TPA. He also tells us about the upcoming bill being introduced that requires all college students to take 1 history class and 1 civics class in order to graduate from a Board of Regents governed Iowa College. Later, Simon talks to MaryBeth Meyer from Pinky Swear Foundation about this year's upcoming radiothon on WHO 1040am.

In this episode of Head, Heart, and Boots, Brandon and I dive into what Netflix got right about radical candor and how restoration leaders can use it to build healthier, faster-growing teams. We pull insights from No Rules Rules, share how we're applying those same principles inside FP Restoration, and talk about how fear of feedback quietly kills trust, growth, and leadership potential. hope you enjoy - Chris Why You Should Listen [00:03:40] How Netflix built a culture of radical candor and why it became a competitive edge [00:10:00] What happens when leaders reward truth instead of politics [00:18:00] How we're using radical candor inside FP Restoration to drive real growth [00:27:00] Creating safety and structure so your team can speak up with honesty [00:38:00] Why someone has to go first if you want a culture built on trust Did you know... Only 30% of businesses listed for sale actually find a buyer? Even more striking, just 10% of those sell for the price their owners anticipated or higher, meaning only 3% of all business owners achieve their desired sale price. By focusing on understanding and enhancing your enterprise value, you can significantly boost your chances of joining that successful 3%. Business Health & Value Assessment Start Assessment Know Your Enterprise Value. See Your Potential Gaps. Complete this assessment in less than 15 minutes and receive a free assessment for your business that includes: A Lite Valuation Of Your Business Your Value Multiplier Per Your Industry Health Assessment Per Our PYB Methodology Business Value & Growth Roadmap Tailored For You Value Acceleration Strategies Spotlight on Floodlight: Your Secret Weapon for Sales & Scaling This isn't a paid plug. It's real talk from the front lines. If you've ever thought, “How do I get a VP-level sales leader or even a sales team without hiring full-time?” Floodlight has the answer. Fractional Sales Leadership They act as your outsourced VP of Sales, taking full responsibility for training, managing, and growing your sales team. No six-figure hire needed. Clients often close 20 to 50 percent more deals within six months, thanks to data-driven coaching, CRM setup, scripts, and performance reviews.More at floodlightgrp.com/sales Commercial Sales MasterCourse A self-paced, video-driven B2B sales course designed specifically for restoration teams. Perfect for building commercial revenue and getting free from TPA handcuffs. Covers mindset, prospecting, pipeline building, LinkedIn lead generation, and includes a $250 discount with code SALESBOOST.Details at floodlightgrp.com/courses Tailored Consulting & Coaching Floodlight's Propel Your Business methodology offers a full-circle roadmap: financials, sales, marketing, leadership, recruiting, productivity. All built for contractors. These aren't “life coaches.” They're former restoration owners who've lived the chaos and know how to scale out of it.Explore more at floodlightgrp.com Live Training, Tools & Strategic Partnerships Floodlight also delivers live onsite and virtual training, keynote speaking, and leadership tracks covering operations, project management, and strategic growth. Bonus: They've vetted tools like Xcelerate, Liftify, and Sureti. Floodlight clients get access to exclusive discounts on tech that actually moves the needle.See all partnerships at floodlightgrp.com/partners Why it matters for you as a listener You don't need to figure this stuff out alone. If you're serious about sales growth, operational clarity, exit readiness, or leadership development, Floodlight is already helping folks like you scale smarter. And you get it from industry insiders. People who've sat in your chair, survived the fires, and built systems that actually work.

In this episode of the PFC Podcast, the discussion revolves around cold-weather injuries, particularly frostbite and trench foot. Ian shares his extensive experience in wilderness medicine and military operations, highlighting the historical significance of these injuries in military conflicts. The conversation covers prevention strategies, treatment protocols, and the importance of rapid rewarming for frostbite. Additionally, the episode delves into the differences between frostbite and non-freezing cold injuries, emphasizing the need for proper care and evacuation plans in cold environments.TakeawaysFrostbite and trench foot have significant historical military implications.Prevention is crucial in avoiding cold-weather injuries.Rapid rewarming in warm water is the best treatment for frostbite.Buddy checks can help prevent cold-weather injuries.Non-freezing cold injuries require different treatment protocols than frostbite.TPA can be beneficial in reducing tissue loss from frostbite.Proper insulation and hydration are key to preventing cold injuries.Frostbite injuries can lead to long recovery times and potential loss of digits.Awareness of symptoms and timely evacuation are critical in cold environments.Maintaining dry and warm conditions is essential to prevent trench foot.Chapters00:00 Introduction to Cold Weather Injuries00:59 Historical Context of Cold Weather Injuries05:04 Understanding Frostbite and Non-Freezing Cold Injuries10:11 Prevention Strategies for Cold Weather Injuries13:31 Treatment Protocols for Frostbite19:49 Evacuation and Recovery Considerations37:45 Non-Freezing Cold Injuries: Trench Foot43:40 Conclusion and Key TakeawaysFor more content, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.prolongedfieldcare.org⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Consider supporting us: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠patreon.com/ProlongedFieldCareCollective⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ or ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠www.lobocoffeeco.com/product-page/prolonged-field-care⁠

On today's MJ Morning Show:Diddy updateFester's costume for HudsonGold Island Korean Pork Jerky recallDenis PhillipsMJ's IG Video - Wheelchair parade at TPA for the Miracle FlightMJ's flight from TPA to Ft. LauderdaleEmails: Ernesto's cookies; Max the engineer; A listener's A.I. device will tell if he's using a phone while driving; Dean from EnterpriseMJ's lost glassesMJ's Haunted houseWhat scares people most? What scares our listeners? We took calls.Women who refuse to take husband's last nameFester has a sushi question for MJDon't park next to a 'beater'Cleaning crewSleeping with Night lights leads to heart attacks?MJ's dream about Big Scary RonUpdate: Prank by 3 costumed people in Alexandria, Virginia26-year flight attendant mistakenly deployed the slideBritney Spears' family is worried2 arrested for jamming and scamming at ATM'sJamaica in crosshairs for Hurricane MelissaSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Improved stroke outcomes have been shown when EMS transports to a stroke center and patients receive assessment, CT, & thrombolytics within these time frames.When treating patients having an MI or stroke, more minutes equals more dead cells.Because the majority of strokes are the ischemic type, the treatment for stroke is similar to an MI – to reestablish perfusion to the ischemic tissues.The first four steps in the Stroke Chain of Survival.Time criteria for the administration of tPA (or a similar fibrinolytic medication) or EVT of LVO strokes. Stroke benchmarks for door to:assessment;completing a non-contrast CT; andadministration of fibrinolytic medication such as tPA (door-to-needle).EMS interaction with stroke teams and destination protocols to reduce time to definitive care.The difference for timed goals for the identification & treatment of AMI vs Stroke.Additional information about timed goals for stroke and how EMS affects outcomes, can be found on the PassACLS.com pod resources page.**American Cancer Society (ACS) Fundraiser This is the seventh year that I'm participating in Men Wear Pink to increase breast cancer awareness and raise money for the American Cancer Society's life-saving mission.I hope you'll consider contributing.Every donation makes a difference in the fight against breast cancer! Paul Taylor's ACS Fundraiser Page: http://main.acsevents.org/goto/paultaylorTHANK YOU for your support! Good luck with your ACLS class!Links: Buy Me a Coffee at https://buymeacoffee.com/paultaylor Free Prescription Discount Card - Get your free drug discount card to save money on prescription medications for you and your pets: https://safemeds.vip/savePass ACLS Web Site - Other ACLS-related resources: https://passacls.com@Pass-ACLS-Podcast on LinkedIn

I'll be real. Finance used to feel like the boring side of business. But the deeper we've gone, the more I've realized the numbers tell the story. In this one, Chris and I sit down with Jim Emerich of Backbone CFO to talk about how to turn financial chaos into clarity, and clarity into growth. Jim breaks down what most owners get wrong about money, how to build incentive comp that actually pays, and why mastering cash flow is the key to scaling without stress. Thanks for Listening, Brandon Key Takeaways [00:01:00] Why finance isn't boring, it's your growth engine [00:06:00] Ambition vs. contentment, the mindset that keeps you sane [00:10:45] Incentive comp that motivates and pays out [00:17:30] Open-book management and the power of transparency [00:25:40] Avoiding the owner's draw trap [00:32:00] Lifestyle business vs. enterprise value [00:38:50] Pricing, margins, and funding real growth [00:45:10] Building a business banks and buyers love [00:52:00] Final gut check, are you the constraint Did you know... Only 30% of businesses listed for sale actually find a buyer? Even more striking, just 10% of those sell for the price their owners anticipated or higher, meaning only 3% of all business owners achieve their desired sale price. By focusing on understanding and enhancing your enterprise value, you can significantly boost your chances of joining that successful 3%. Business Health & Value Assessment Start Assessment Know Your Enterprise Value. See Your Potential Gaps. Complete this assessment in less than 15 minutes and receive a free assessment for your business that includes: A Lite Valuation Of Your Business Your Value Multiplier Per Your Industry Health Assessment Per Our PYB Methodology Business Value & Growth Roadmap Tailored For You Value Acceleration Strategies Spotlight on Floodlight: Your Secret Weapon for Sales & Scaling This isn't a paid plug. It's real talk from the front lines. If you've ever thought, “How do I get a VP-level sales leader or even a sales team without hiring full-time?” Floodlight has the answer. Fractional Sales Leadership They act as your outsourced VP of Sales, taking full responsibility for training, managing, and growing your sales team. No six-figure hire needed. Clients often close 20 to 50 percent more deals within six months, thanks to data-driven coaching, CRM setup, scripts, and performance reviews.More at floodlightgrp.com/sales Commercial Sales MasterCourse A self-paced, video-driven B2B sales course designed specifically for restoration teams. Perfect for building commercial revenue and getting free from TPA handcuffs. Covers mindset, prospecting, pipeline building, LinkedIn lead generation, and includes a $250 discount with code SALESBOOST.Details at floodlightgrp.com/courses Tailored Consulting & Coaching Floodlight's Propel Your Business methodology offers a full-circle roadmap: financials, sales, marketing, leadership, recruiting, productivity. All built for contractors. These aren't “life coaches.” They're former restoration owners who've lived the chaos and know how to scale out of it.Explore more at floodlightgrp.com Live Training, Tools & Strategic Partnerships Floodlight also delivers live onsite and virtual training, keynote speaking, and leadership tracks covering operations, project management, and strategic growth. Bonus: They've vetted tools like Xcelerate, Liftify, and Sureti. Floodlight clients get access to exclusive discounts on tech that actually moves the needle.See all partnerships at floodlightgrp.com/partners Why it matters for you as a listener You don't need to figure this stuff out alone. If you're serious about sales growth, operational clarity, exit readiness, or leadership development, Floodlight is already helping folks like you scale smarter. And you get it from industry insiders. People who've sat in your chair, survived the fires, and built systems that actually work.

I'm Chris, and in this episode Brandon and I talk about what year-end planning really looks like when you stop chasing perfect dashboards and start leading with purpose. We unpack what worked for Floodlight this year, how we intentionally ran lean to leap ahead, and why your team's buy-in depends on more than KPIs. What We Cover [00:01:12] Planning Q4 like an investor and how we turned red months into green growth [00:05:11] Why most leaders undervalue strategic planning and treat it like a checklist [00:08:57] Mission before metrics and how to build KPIs that actually drive vision [00:14:25] The “100 Point Week” system for sales reps and why simple wins [00:20:06] How C-suite dashboards actually work with 3 to 4 key metrics [00:31:38] Aligning sales and operations around customer experience, not just numbers [00:53:36] Tommy Mello's story about building a dream big enough for others to fit inside it Key Takeaways Plan on purpose, not by habit. Use fewer, clearer KPIs. Simplify tracking so reps can sell, not babysit CRMs. Make your mission about people, not profit. Audit your own leadership because culture is the real KPI. If you're leading a restoration or home-service company and planning for next year, this episode is your field guide for making 2026 different. Did you know... Only 30% of businesses listed for sale actually find a buyer? Even more striking, just 10% of those sell for the price their owners anticipated or higher, meaning only 3% of all business owners achieve their desired sale price. By focusing on understanding and enhancing your enterprise value, you can significantly boost your chances of joining that successful 3%. Business Health & Value Assessment Start Assessment Know Your Enterprise Value. See Your Potential Gaps. Complete this assessment in less than 15 minutes and receive a free assessment for your business that includes: A Lite Valuation Of Your Business Your Value Multiplier Per Your Industry Health Assessment Per Our PYB Methodology Business Value & Growth Roadmap Tailored For You Value Acceleration Strategies Spotlight on Floodlight: Your Secret Weapon for Sales & Scaling This isn't a paid plug. It's real talk from the front lines. If you've ever thought, “How do I get a VP-level sales leader or even a sales team without hiring full-time?” Floodlight has the answer. Fractional Sales Leadership They act as your outsourced VP of Sales, taking full responsibility for training, managing, and growing your sales team. No six-figure hire needed. Clients often close 20 to 50 percent more deals within six months, thanks to data-driven coaching, CRM setup, scripts, and performance reviews.More at floodlightgrp.com/sales Commercial Sales MasterCourse A self-paced, video-driven B2B sales course designed specifically for restoration teams. Perfect for building commercial revenue and getting free from TPA handcuffs. Covers mindset, prospecting, pipeline building, LinkedIn lead generation, and includes a $250 discount with code SALESBOOST.Details at floodlightgrp.com/courses Tailored Consulting & Coaching Floodlight's Propel Your Business methodology offers a full-circle roadmap: financials, sales, marketing, leadership, recruiting, productivity. All built for contractors. These aren't “life coaches.” They're former restoration owners who've lived the chaos and know how to scale out of it.Explore more at floodlightgrp.com Live Training, Tools & Strategic Partnerships Floodlight also delivers live onsite and virtual training, keynote speaking, and leadership tracks covering operations, project management, and strategic growth. Bonus: They've vetted tools like Xcelerate, Liftify, and Sureti. Floodlight clients get access to exclusive discounts on tech that actually moves the needle.See all partnerships at floodlightgrp.com/partners Why it matters for you as a listener You don't need to figure this stuff out alone. If you're serious about sales growth, operational clarity, exit readiness, or leadership development, Floodlight is already helping folks like you scale smarter. And you get it from industry insiders. People who've sat in your chair, survived the fires, and built systems that actually work.

Prehospital EMS capabilities and why paramedic-staffed ALS ambulances make a difference in the early identification & treatment of STEMI and stroke.The chain of survival for a cardiac emergency and stroke.ALS ambulances are staffed with paramedics who have training in ACLS skills.Why EMS Destination Protocols for suspected stroke and STEMI make a difference.ACLS's timed benchmarks for:point of first medical contact to PCI for ST elevation MI;door to tPA for ischemic stroke; andonset of symptoms to EVT for LVO strokes.Why EMS should bypass a close hospital to transport a STEMI or suspected stroke patient to a hospital capable of 24/7 PCI or a certified stroke center.Check out the Pod Resource page at passacls.com for links to the "EMS On Air" podcast for links to episodes that look at EMS's role in stroke outcomes in the rural vs urban area.**American Cancer Society (ACS) Fundraiser This is the seventh year that I'm participating in Men Wear Pink to increase breast cancer awareness and raise money for the American Cancer Society's life-saving mission.I hope you'll consider contributing.Every donation makes a difference in the fight against breast cancer! Paul Taylor's ACS Fundraiser Page: http://main.acsevents.org/goto/paultaylorTHANK YOU for your support! Good luck with your ACLS class!Links: Buy Me a Coffee at https://buymeacoffee.com/paultaylor Free Prescription Discount Card - Get your free drug discount card to save money on prescription medications for you and your pets: https://safemeds.vip/savePass ACLS Web Site - Other ACLS-related resources: https://passacls.com@Pass-ACLS-Podcast on LinkedIn

In this episode, Brandon and I wrestle with a tough reality: what happens when disagreement turns into dehumanization, and free speech no longer feels safe? I share how one of my posts spiraled into thousands of views and heated comments, leaving me questioning how we've arrived at a place where words can provoke violence, and why leaders often stay silent. Brandon brings a veteran's perspective on what's at stake when we forget the sacrifice that secured our ability to speak freely. This isn't about politics-it's about leadership, humanity, and protecting the freedom to have hard conversations. -Chris Did you know... Only 30% of businesses listed for sale actually find a buyer? Even more striking, just 10% of those sell for the price their owners anticipated or higher, meaning only 3% of all business owners achieve their desired sale price. By focusing on understanding and enhancing your enterprise value, you can significantly boost your chances of joining that successful 3%. Business Health & Value Assessment Start Assessment Know Your Enterprise Value. See Your Potential Gaps. Complete this assessment in less than 15 minutes and receive a free assessment for your business that includes: A Lite Valuation Of Your Business Your Value Multiplier Per Your Industry Health Assessment Per Our PYB Methodology Business Value & Growth Roadmap Tailored For You Value Acceleration Strategies Spotlight on Floodlight: Your Secret Weapon for Sales & Scaling This isn't a paid plug. It's real talk from the front lines. If you've ever thought, “How do I get a VP-level sales leader or even a sales team without hiring full-time?” Floodlight has the answer. Fractional Sales Leadership They act as your outsourced VP of Sales, taking full responsibility for training, managing, and growing your sales team. No six-figure hire needed. Clients often close 20 to 50 percent more deals within six months, thanks to data-driven coaching, CRM setup, scripts, and performance reviews.More at floodlightgrp.com/sales Commercial Sales MasterCourse A self-paced, video-driven B2B sales course designed specifically for restoration teams. Perfect for building commercial revenue and getting free from TPA handcuffs. Covers mindset, prospecting, pipeline building, LinkedIn lead generation, and includes a $250 discount with code SALESBOOST.Details at floodlightgrp.com/courses Tailored Consulting & Coaching Floodlight's Propel Your Business methodology offers a full-circle roadmap: financials, sales, marketing, leadership, recruiting, productivity. All built for contractors. These aren't “life coaches.” They're former restoration owners who've lived the chaos and know how to scale out of it.Explore more at floodlightgrp.com Live Training, Tools & Strategic Partnerships Floodlight also delivers live onsite and virtual training, keynote speaking, and leadership tracks covering operations, project management, and strategic growth. Bonus: They've vetted tools like Xcelerate, Liftify, and Sureti. Floodlight clients get access to exclusive discounts on tech that actually moves the needle.See all partnerships at floodlightgrp.com/partners Why it matters for you as a listener You don't need to figure this stuff out alone. If you're serious about sales growth, operational clarity, exit readiness, or leadership development, Floodlight is already helping folks like you scale smarter. And you get it from industry insiders. People who've sat in your chair, survived the fires, and built systems that actually work.

Healthcare costs keep climbing, and yet patients and employers often feel powerless to change the system. What if outsiders—those not steeped in the traditions of healthcare—are actually the ones best positioned to fix it?This special episode is a reshare from The Benefits Playbook podcast, where Halle joins Collective Health CEO Ali Diab. Together, they unpack what it takes to make health benefits simpler, more transparent, and more consumer-focused.We cover:

Welcome back to The Integrative Health Podcast! In this episode, Dr. Jen Pfleghaar sits down with Steve Paterson, founder of HumanSet, to explore the fascinating world of thymic protein A (TPA) — a unique supplement designed to support and balance the immune system.Steve shares his remarkable personal journey: from a 25-year career in design for major films and musicians, to founding a wellness company inspired by his daughter's battle with a rare autoimmune disease. Guided by his father-in-law, an immunologist who pioneered immune therapies, Steve discovered the life-changing potential of thymic protein A.This episode dives into the science and story of thymic protein A (TPA). Dr. Jen and Steve Paterson explore how TPA works as an immune modulator, balancing the immune system instead of just “boosting” it. Steve shares his family's powerful health journey with autoimmune recovery, explains the decline of thymus function with age, and offers practical lifestyle recommendations for immune resilience.PODCAST: Thank you for listening please subscribe and share!Shop supplements: https://healthybydrjen.shop/CHECK OUT a list of my Favorite products here: https://www.healthybydrjen.com/drjenfavoritesFOLLOW ME:Instagram :: https://www.instagram.com/integrativedrmom/Facebook :: https://www.facebook.com/integrativedrmomYouTube :: https://www.youtube.com/@integrativedrmomFTC: Some links included in this description might be affiliate links. If you purchase a product through one of them, I will receive a commission (at no additional cost to you). I truly appreciate your support of my channel. Thank you for watching! Video is not sponsored.DISCLAIMER: This podcast does not contain any medical or health related diagnosis or treatment advice. Content provided on this podcast is for informational purposes only. For any medical or health related advice, please consult with a physician or other healthcare professionals. Further, information about specific products or treatments within this podcast are not to diagnose, treat, cure or prevent disease.PODCAST: Thank you for listening please subscribe and share! Shop supplements: https://healthybydrjen.shop/CHECK OUT a list of my Favorite products here: https://www.healthybydrjen.com/drjenfavorites FOLLOW ME:Instagram :: https://www.instagram.com/integrativedrmom/Facebook :: https://www.facebook.com/integrativedrmomYouTube :: https://www.youtube.com/@integrativedrmom FTC: Some links included in this description might be affiliate links. If you purchase a product through one of them, I will receive a commission (at no additional cost to you). I truly appreciate your support of my channel. Thank you for watching! Video is not sponsored. DISCLAIMER: This podcast does not contain any medical or health related diagnosis or treatment advice. Content provided on this podcast is for informational purposes only. For any medical or health related advice, please consult with a physician or other healthcare professionals. Further, information about specific products or treatments within this podcast are not to diagnose, treat, cure or prevent disease.

After an extrodinary turnout in 2024, Turning Point Action CEO Tyler Bowyer sat down with Charlie to discuss what TPA did differently to produce unprecedented results, what the team of motivated patriots is working on for the next elections, where the Reublican Party is headed, and how unengaged voters can become political activists. Watch every episode ad-free on members.charliekirk.com! Get new merch at charliekirkstore.com!Support the show: http://www.charliekirk.com/supportSee omnystudio.com/listener for privacy information.

Right up front here, let me just state loudly that there are some amazing independent TPAs (third-party administrators) out there who have the expertise, the scrappy willfulness, and the deep desire to do right by their clients, their self-insured employer clients. For a full transcript of this episode, click here. If you enjoy this podcast, be sure to subscribe to the free weekly newsletter to be a member of the Relentless Tribe. And look, they may be facing some of the same headwinds that plan sponsors themselves face, like anticompetitive contracts, brokers who are up to no good, etc. So, just keep that in mind as you listen. And the main point of all of this if you are a plan sponsor is, find a good TPA partner, which, as Bryce Platt has said about consultants but same rules apply about TPAs here, the difficulty is being informed enough to tell the difference. So, the goal of this show is to help with that, the “be informed enough to tell the difference.” All of this being said, this is technically a Take Two; but we trimmed it down and welcome to a whole new intro. So, call this a refresher and an update about a really, really important topic from last year that is becoming extremely (maybe even more) relevant this year. Really relevant. Consider, for example, the show with Claire Brockbank (EP453) about carrier/TPA RFPs (requests for proposal) and all of the landmines that are really expensive, that are buried in some of these contracts. Then there was the Cynthia Fisher show (EP457) from last year about the millions, maybe billions of dollars in aggregate going missing in medical (ie, TPA or ASO [administrative services only]) spread pricing. We had “The Mystery of the Weekly Claims Wire” show with Justin Leader (EP433), again, revealing money that's being disappeared when the TPA is withdrawing dollars from plan sponsor checking accounts. And then there's the payment integrity episode with Kimberly Carleson (EP480) from a few weeks ago with just another wrinkle on this, namely TPAs or ASOs who insist on auditing themselves and how that turns out for members and plan sponsors. Oh, and last, but certainly not least, is the whistleblower show with Ann Lewandowski (EP476) on how a TPA arm of an EBC (employee benefit consultant) allegedly pocketed $20 million—$20 million of their client's pharma rebates—and used that $20 million to fund their executive bonus pool. What a time to be alive! All of this just highlights the huge stakes for plan sponsors to really understand what their TPA is all about. And when I say high stakes, I mean from both a legal standpoint and also just vast dollars in play here. But this episode with Elizabeth Mitchell is also, I'm gonna say, extremely relevant given just a few ripped from the headlines and news articles such as these. I'm gonna start actually with a post from Kimberly Carleson, and I like the comment by Jeff Evans, who wrote, “How does $8,710 equal $104,266?” Spoiler alert, it doesn't. Lots of missing dollars there. Someone's hands are in the cookie jar. Oh, look, the TPA has entered the chat. In a nutshell, and I'm quoting something Peter Hayes wrote, he wrote, “TPAs have received relatively little public attention. [There's an article in Health Affairs] that describes how TPAs impose hidden fees, benefit from their own form of spread pricing, and otherwise prioritize their own financial interests over those of their plan clients.” Also, here's a totally other issue. Let me quote Luke Prettol highlighting something Jason Shafrin had written about a paper by Jeff Marr, Daniel Polsky, and Mark Meiselbach. Let me slightly rephrase what Luke said. He wrote, “Employers pay, on average, a 4.7% [so almost 5%] price markup when hospitals are in their TPA's [Medicare Advantage] network.” Right? Dr. Eric Bricker talked about this in that episode (EP472) just how TPAs with MA (Medicare Advantage) business negotiate their commercial clients to pay higher rates so that then they can pay lower rates for their own MA members. As Luke wrote, “On its face, this overpayment does not appear to be solely in the interest of participants.” No kidding. Now, let's spin the wheel here. There are barriers for TPAs themselves, even the ones who have a deep desire to do the right thing. As Patrick Moore wrote, “Most TPAs still can't do [many of the things that employers might want because there are] PPO contracts.” So, is it a rock in a hard place situation? I mean, if the TPA has no other options than using a carrier's PPO (preferred provider organization) network with all its attendant contractual issues, then yeah, that is one definite challenge. Along these lines, let me read a post by Rina Tikia, because I think she sums up this really well. “When independent TPAs … push for transparency, they're blocked under the banner of ‘fiduciary risk.' “Meanwhile, the largest carriers and PBMs, with Cayman shell subsidiaries, DOJ kickback probes, [huge] hedge fund ties, [$10 million-plus] lobbying budgets, and antitrust violations continue unchecked. They are not only allowed to operate but celebrated as mainstream options. “Why the double standard? Political donations? Foundation smokescreens? Nonprofit status as a PR shield?” These are excellent questions. And here's another challenge: brokers. Ramesh Kumar Budhani wrote about this one, just how hard it is sometimes to find—for TPA, an independent TPA, trying to do the right thing—to find brokers who prioritize doing the right thing for employers and helping their clients save money. The summary of all of this: There are TPAs and there are ASOs who aren't even trying. They are going to ride the flywheel, the gravy train, and catch all of the dollars flying off of it for as long as they can manage to cling to it with all 10 of their fingers. Then there are TPAs, mostly indies, trying super hard to do the right thing. But how successful they are is going to depend on how boxed in they are by the PPO networks or the carriers that the brokers or even plan sponsors may insist on. Just how courageous they are and just how smart they are and experienced they are about the market and how it actually operates. So, the show that follows is about all of this, including how we can inspire TPAs, which, in the show that follows, subsumes ASOs kind of into it. But in the show that follows, I hope it's inspiring to create an environment so that the market demands TPAs that do all of the things, and we make inertia not a viable business strategy. Elizabeth Mitchell, my guest today, currently serves as the president and CEO of the Purchaser Business Group on Health. Also mentioned in this episode are Purchaser Business Group on Health; Bryce Platt; Claire Brockbank; Cynthia Fisher; Justin Leader; Kimberly Carleson; Ann Lewandowski; Jeff Evans; Peter Hayes; Luke Prettol; Jason Shafrin; Jeff Marr; Daniel Polsky; Mark Meiselbach; Eric Bricker, MD; Tom Nash; Patrick Moore; Rina Tikia; Ramesh Kumar Budhani; Mark Cuban; Harold Miller; Chris Deacon; Moby Parsons, MD; Benjamin Schwartz, MD, MBA; Mishe Health; Rik Renard; and Cora Opsahl. You can learn more at PBGH and by connecting with Elizabeth on LinkedIn.   Elizabeth Mitchell, president and CEO of the Purchaser Business Group on Health (PBGH), advances its strategic focus areas of advanced primary care, functional markets, and purchasing value. She leads PBGH in mobilizing health care purchasers, elevating the role and impact of primary care, and creating functional healthcare markets to support high-quality affordable care, achieving measurable impacts on outcomes and affordability. At PBGH, Elizabeth leverages her extensive experience in working with healthcare purchasers, providers, policymakers, and payers to improve healthcare quality and cost. She previously served as senior vice president for healthcare and community health transformation at Blue Shield of California, during which time she designed Blue Shield's strategy for transforming practice, payment, and community health. Elizabeth served as the president and CEO of the Network for Regional Healthcare Improvement (NRHI), a network of regional quality improvement and measurement organizations. She also served as CEO of Maine's business coalition on health (the Maine Health Management Coalition), worked within an integrated delivery system (MaineHealth), and was elected to the Maine State Legislature, serving as a State Representative. Elizabeth served as vice chairperson of the U.S. Department of Health and Human Services Physician-Focused Payment Model Technical Advisory Committee, board and executive committee member of the National Quality Forum (NQF), member of the National Academy of Medicine's “Vital Signs” Study Committee on core metrics, and a guiding committee member for the Health Care Payment Learning & Action Network. Elizabeth holds a degree in religion from Reed College and studied social policy at the London School of Economics.   08:06 What is the overarching context for health plans in healthcare purchasing? 11:31 Why is it important to reestablish a connection between the people paying for care and people providing care? 13:47 What are the needs of a self-insured employer when managing employee benefits? 19:00 Is it doable for employers to set their own contracts? 21:24 Is transparency presumed? 22:39 Will the new transparency upon us actually expose wasted expense? 24:23 EP408 with Chris Deacon. 25:58 “This is not about individual bad actors. … The systems … that is not aligned.” 27:39 Are there providers who want to work directly with employers? 30:53 Why is it important that incentives need to be aligned? 32:42 EP427 with Rik Renard. 33:51 What's missing from the conversation on changing health plans?   You can learn more at PBGH and by connecting with Elizabeth on LinkedIn.   @lizzymitch2 of @PBGHealth discusses #TPA and #healthplan vs. #jumboemployer inertia on our #healthcarepodcast. #healthcare #podcast #financialhealth #patientoutcomes #primarycare #digitalhealth #healthcareleadership #healthcaretransformation #healthcareinnovation   Recent past interviews: Click a guest's name for their latest RHV episode! Dave Chase, Jonathan Baran (Part 2), Jonathan Baran (Part 1), Jonathan Baran (Bonus Episode), Dr Stan Schwartz (Summer Shorts), Preston Alexander, Dr Tom X Lee (Take Two: EP445), Dr Tom X Lee (Bonus Episode), Dr Benjamin Schwartz, Dr John Lee (Take Two: EP438), Kimberly Carleson, Ann Lewandowski (Summer Shorts)  

Today I am speaking with Dave Chase from Health Rosetta, and I'm asking Dave Chase three inferno-level burning questions—questions that, across the country, many self-insured employers are trying to find the answers to. For a full transcript of this episode, click here. If you enjoy this podcast, be sure to subscribe to the free weekly newsletter to be a member of the Relentless Tribe. Now, an important underlying point that comes across loud and clear but remains unsaid, actually, in the conversation that follows is this: There are amazing brokers and EBCs (employee benefit consultants) and benefits advisors or TPAs (third-party administrators) who put their clients first and have the receipts (ie, they have data and they're willing to share it to prove this). And then there are those with the exact same titles, often enough, who are very much the opposite of this but super charming, I'm sure. I mean, it'd be a stretch to assume that the same roles don't apply to brokers or EBCs that apply for titles like hospital administrators where there's great ones and really not great ones; but everybody often gets lumped into the same category or even the term hospitals. Each of these terms is a broad stroke and contains multitudes. And do listen to the bonus clip from two weeks ago with Jonathan Baran for just more on this point. We dig into it for like 10 minutes or something. I also talk about this same concept in an upcoming episode with Mick Connors, MD. So, keep that underlying and unsaid theme in mind because a lot of these questions do boil down to, How do you figure out who's on the up-and-up and who's not? And if you need an example of the latter category, listen to the show with Ann Lewandowski (EP476) about the whistleblower lawsuit or the show with AJ Loiacono (EP379) about the myriad of brokers taking $7 or $14 per script written payable by the PBM (pharmacy benefit manager) and not reported on, as far as I know. This is very much still going on today, by the way, despite the CAA (Consolidated Appropriations Act) and the 5500 forms. Alright, so, first burning question, Question 1: After seeing J&J (Johnson & Johnson) and Wells Fargo sued for fiduciary breaches, what specific questions do I need to ask my benefits advisor to prove that my benefits advisor actually protects my interests? Okay, paraphrased, this question is employers trying to figure out what they can ask or how they can figure out if their benefits advisor or broker or employee benefit consultant is really as trustworthy as they'd like you to believe they are. There's been a whole bunch of shows that circle up on this. The thing is, though, the stakes are very, very high right now. So, yeah, I can see why this is turning into a burning question for anyone worried they might get sued personally unless they can figure out how to vet, for real in writing, who their broker, EBC, or advisor serves actually at the end of the day. Question 2 that I ask Dave Chase, and I'm not giving you the answers to these questions. You gotta listen to the show. But here's the second question I ask: How do I avoid personal liability when my TPA contract has hidden conflicts that could trigger an ERISA (Employee Retirement Income Security Act) lawsuit? Kind of a continuation of Question 1, but yeah, you can tell that self-insured employer teams are really digging in here and many, many are very aware of, first of all, the extent and depth of middle people doing things like, again, allegedly taking $20 million of employer clients' money and funding their executive bonus pool. So, yeah, definitely this is another doozy of a burning question. Also on these same topics, listen to the show with Justin Leader (EP433) and also the one with Cynthia Fisher (EP457) about spread pricing. Question 3 that I ask Dave Chase: My pharmacy costs keep climbing despite PBM guarantees. How do I tell if I am being systematically overcharged? Well, if your consultants are taking your rebates to fund their executive bonus pools, as I just mentioned there's a whole show about with Ann Lewandowski, or if they're taking $7 a script for every script that gets written for your members, which, yeah, that's afoot. I've seen the contracts and the cease and desists currently flying around our industry about that one. Or read that Osceola County lawsuit against their longtime brokers. Bottom line and end of this intro, informed employer teams are, for sure, wondering these questions. But even more than just wondering, what these questions signify to me, kind of at the macro level, they're realizing the danger of kind of sitting on that knowledge or just assuming that because everybody else is doing whatever, it's somehow safe—though status quo is getting kind of more and more dicey every single day. As some additional foreshadowing, this show finishes up with Dave Chase talking about the open-source resources that are available so that you too can create a high-performance health plan where members get higher-quality healthcare and, as Dave Chase says, the cost savings for free. There are links to many things that you can get from Health Rosetta and their sister company, Nautilus. Again, all the stuff is for free. Go to nautilushealth.org. That's their main Web site. Dave Chase, who has been on this podcast—I think this is his third time, although it has been a while—Dave Chase is co-founder and CEO of Health Rosetta. Also mentioned in this episode are Health Rosetta; Jonathan Baran; Mick Connors, MD; Ann Lewandowski; AJ Loiacono; Chris Deacon; VerSan Consulting; Justin Leader; Cynthia Fisher; Nautilus; Andreas Mang; Blackstone; Jon Camire; Claire Brockbank; Elizabeth Mitchell; Scott Haas; Paul Holmes; Chris Crawford; Luke Slindee, PharmD; Mark Cuban; Marilyn Bartlett, CPA, CGMA, CMA, CFM; Leah Binder; and Dawn Cornelis.   You can learn more at Health Rosetta and follow Dave on LinkedIn.   Dave Chase is on a mission to restore hope, health, and economic well-being to communities through healthcare transformation. As creator of the community-owned health plan (COHP) model, he is building a nationwide movement that turns health plans from drivers of wage stagnation into vessels for well-being and wealth creation. As founder of Health Rosetta, Dave has helped transform healthcare for thousands of employers covering more than five million Americans. What began with identifying just five successful health plans nationwide has grown into a movement with thousands of sustainable successes that deliver superior care at 20% to 50% lower costs. In 2024, his team launched Nautilus Health Institute, catalyzed with $4 million in Health Rosetta intellectual property and investment. Nautilus provides open-source standards, contracting templates, and technology infrastructure (including METL, an open-source healthcare data platform) that establish new market norms benefiting employers, clinicians, and communities. Dave's work in healthcare transformation has reached over 10 million people through best-selling books (The CEO's Guide to Restoring the American Dream, The Opioid Crisis Wake-up Call, Relocalizing Health), media, TED Talks, and TV/film appearances. He has received the World Health Care Congress's Lifetime Achievement Award for Health Benefits Innovation. Dave is dedicated to transforming healthcare through transparency, community ownership, and proven solutions that restore the American Dream.   06:36 What questions does a plan sponsor need to ask their consultant, EBC, or broker to ensure they are protecting the interest of the plan sponsor? 07:59 EP478 with Andreas Mang and Jon Camire. 08:49 EP453 with Claire Brockbank. 09:51 EP433 with Justin Leader. 09:53 EP436 with Elizabeth Mitchell. 11:03 How can plan sponsors avoid personal liability when their TPA has hidden conflicts of interest? 11:40 Tiara Yachts v. Blue Cross Blue Shield of Michigan lawsuit. 13:48 EP483 (Part 1) with Jonathan Baran. 14:18 EP457 with Cynthia Fisher. 16:18 The Marshall-Hickenlooper bill called the Price Tags Act. 16:50 Summer Short with Elizabeth Mitchell. 17:36 How do plan sponsors figure out if they are being overcharged for pharmacy benefits? 18:09 EP365 with Scott Haas. 20:18 EP397 with Paul Holmes. 20:22 EP465 with Chris Crawford. 20:37 EP429 with Luke Slindee, PharmD. 22:56 EP476 with Ann Lewandowski. 28:38 Where to find open-source resources to help guide plan sponsors with making better health plan decisions. 29:47 How the open-source trend is growing for health transparency. 30:48 What to look forward to at RosettaFest.   You can learn more at Health Rosetta and follow Dave on LinkedIn.   @chasedave discusses questions #plansponsors need to ask on our #healthcarepodcast. #healthcare #podcast #financialhealth #patientoutcomes #primarycare #digitalhealth #healthcareleadership #healthcaretransformation #healthcareinnovation   Recent past interviews: Click a guest's name for their latest RHV episode! Jonathan Baran (Part 2), Jonathan Baran (Part 1), Jonathan Baran (Bonus Episode), Dr Stan Schwartz (Summer Shorts), Preston Alexander, Dr Tom X Lee (Take Two: EP445), Dr Tom X Lee (Bonus Episode), Dr Benjamin Schwartz, Dr John Lee (Take Two: EP438), Kimberly Carleson, Ann Lewandowski (Summer Shorts), Andreas Mang and Jon Camire (EP479)