Podcasts about Tria

VLOG Sept 10: Huawei trial, as live as we can: @Denmark_UN Cilia Madura wants bail like UN briber of @UN_PGA John Ashe https://www.patreon.com/MatthewRussellLee/posts/golden-cage-de-169093423 US v. quant Ho: delay? @Denmark_UN delays on FOIA re NextSG. 9:30 on FOIA case v Fed on Enova https://www.courtlistener.com/docket/73418408/5/lee-v-board-of-governors-of-the-federal-reserve-system/

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Janice Ochenkowski about her leadership, her career path, serving in RIMS External Affairs and later as RIMS President. They discuss the September 11, 2001 terrorist attacks, the loss of lives, and the impact the attacks had on life in the U.S. Justin and Janice talk about Janice's role in passing the Terrorism Risk Insurance Act (TRIA). They also address the financial and housing crisis of 2007-2008. Janice relates her testimony before Congress on various matters over the years, and how her RIMS leadership held her in her employment. Listen for wisdom on adapting and changing with the times, and using leadership opportunities to help your business as you move your risk career forward.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. We will be joined by former RIMS President Janice Ochenkowski. [:35] Janice will discuss how her time on the RIMS Board and as RIMS President helped ensure the passage of TRIA, the Terrorism Risk Insurance Act, in the aftermath of the 9/11 terror attacks. [:49] There will be plugs later on, and we will learn about Janice's fascinating career, but I wanted to address the fact that this episode is being released on September 8th, 2026, a few days before the 25th anniversary of the 9/11 terror attacks in the U.S. [1:10] Before we get started, I'd like to welcome back RIMS's Chief Executive Officer, Gary LaBranche, to say a few words. [1:18] Message from Gary LaBranche: 2026 marks a quarter-century since terrorist attacks on the United States killed nearly 3,000 people, injured many more, and impacted the lives of millions. [1:30] This RIMScast podcast provides the opportunity to reflect on the lives lost and the lasting impact of this tragedy on survivors, families, friends, first responders, and everyone who witnessed that horrendous day and has borne its burden over the past 25 years. [1:51] The events of 9/11 also revealed the best in human nature, such as the warm, welcoming affection shown by Canadians when U.S.-bound flights were diverted to Gander, Montreal, Vancouver, Halifax, and other locations in the aftermath of 9/11, as we learn in this podcast. [2:11] RIMS played a leading role in crafting and passing the Terrorism Risk Insurance Act (TRIA), which established an insurance backstop in the event of a future large-scale terrorist attack on America. [2:24] RIMS is working right now on bipartisan legislation in both the U.S. House and Senate to reauthorize TRIA. As we commemorate this day, let us rededicate ourselves to the important work that risk management does to make the world safer, more secure, and more sustainable. [2:46] On with the Show! Here to provide a brief history of RIMS's collaboration with members of Congress and the global insurance and risk management community is Janice Ochenkowski. [2:59] Janice was RIMS President in 2007, and as we will learn in this episode, she had a colorful career with RIMS and with Jones Lang LaSalle, a commercial real estate property owner. [3:13] Her RIMS participation prior to her presidency was instrumental in helping her get TRIA passed by Congress, so there's a lot to learn today … Let's get to it! [3:23] Interview! Janice Ochenkowski, welcome to RIMScast!  [4:04] Janice joined the Chicago Chapter of RIMS, not understanding the larger RIMS organization. She became an active member and an officer. She was President of the Chicago Chapter the year that Chicago member Art Bostwick was RIMS President. [4:55] Janice says Art was a good mentor for her. He encouraged her to follow in his footsteps to be national president. She laughed, but many years later, she did. [5:20] Janice started her risk management career in 1980; she joined the RIMS Chicago Chapter in '82 or '83. After moving through the chairs in the Chicago Chapter, she became a delegate to the RIMS Conference, started working in various committees, and moved into leadership. [5:47] Janice was elected to the Board, took on responsibilities for different chairs, and ended up in charge of Government Affairs. [6:01] Lance Ewing, the President at the time, asked the Board what roles they wanted to take. Janice said she would do anything except legislative stuff, because she didn't know anything about it. He burst out laughing, and suddenly that was her mandate. [6:31] Janice says she absolutely loved it. Jim McIntyre, who was RIMS's Washington Counsel, was a phenomenal mentor. He prepared her to testify, prepared her for meetings, and explained who she was going to meet and how it was going to work, and so on. [6:53] Janice says, from there, I went into a few other responsibilities and ended up as the President. [7:10] Janice started her career in 1980 at LaSalle Partners in real estate and financial services. There were 150 employees operating in six states. Because of Federal regulations regarding their pension work, they needed a full-time risk manager. [7:35] The legislation said they needed a risk manager but didn't explain what the risk manager needed to do. Janice had been teaching high school, and she wanted to move into business. [7:47] Janice interviewed through an employment agency with a variety of companies, and decided LaSalle Partners sounded interesting and it would be a good platform for her to get some experience and then move on. [8:02] Thirty-eight years later, she was still there, and retiring. When she retired, there were 90,000 employees in 100 countries. Janice had 17 full-time staff, globally, working for her. [8:20] Janice says LaSalle Partners started as a privately held company. Janice was one of the partners. It became a corporation and, after acquisitions, merged with Jones Lang Wootton, a UK real estate organization, and became Jones Lang LaSalle. [9:17] Janice says her career was a wild ride. She says she never could have imagined the experiences she had, the friendships she made, and the things that she learned and had opportunities to do, through her company and through RIMS. [9:36] Janice says she was able to draw links between the benefits of RIMS and the business of her business. When she went to board meetings, they asked how her RIMS work was going. She showed that being in leadership at RIMS helped her company to achieve its goals. [10:27] Janice says, when she started at RIMS, there were the local chapters, and then there were industry groups. The real estate industry group was extremely active. It was populated by very experienced real estate risk managers. They served as mentors to anyone coming on. [10:47] The group met not only during RIMS, but also in New York, in the fall, outside of the RIMS conference. Eventually, Jones Lang LaSalle supported the group's meetings and allowed them to use JLL buildings and support from technology to go forward. [11:07] Janice says, when she was going to a RIMS conference, she asked the JLL Board if there was anything they wanted her to focus on when meeting up with risk managers of their clients and vendors. [11:33] Over time, she didn't have to ask. They asked her, if you're going to your RIMS meeting, talk to this person. See if you can find out about this issue. There was connectivity between what Janice did at RIMS and supporting JLL. [12:10] Justin asks what Janice taught in high school. It was English and French. She can still speak un petit peu of French. She enjoys opportunities to speak to people in French and ordering from French menus. As a teacher, she wanted something different and moved into business. [12:42] Justin says that in over 400 RIMScast episodes, Janice might be the first guest who went from teaching and transitioned over to insurance. Janice says making lesson plans and executing them is good training for business. [13:07] Janice says she learned how to explain things. She had to translate insurance into real estate speak for JLL. She had to take real estate speak and translate it into insurance speak for underwriters and brokers. [13:22] Janice was comfortable speaking to groups because she had been speaking to unruly teenagers and getting them under control. Talking to a bunch of business people, who at least pretended to be interested, was a piece of cake. Janice says it was fun, and a good transition. [13:55] Justin brings up Janice's time as the Director of Government Affairs for RIMS. She became chair of what is now known as the RIMS External Affairs Committee. Lance Ewing nudged her into the role in the late 1990s. Then the September 11 terrorist attacks happened. [14:40] Janice says that one thing that's missing from most recollections is the immediate impact that the 9/11 terrorist attacks had. Before 9/11, there was the general perception that our borders were safe; there wasn't going to be an attack on U.S. soil. [15:15] When we saw the towers burning, when the plane went down, when the Pentagon was hit, that illusion was shattered. There was fear. We didn't know if this was the first of an aerial attack. Janice was on the 70th floor of the Aon Building, so it was a real concern for her. [15:40] Janice says, we didn't know if there was going to be an invasion or similar attacks around the country. To develop good risk management practices, the first thing you have to do is define the risk. [15:53] Janice says, we couldn't define the risk. The only thing we could do immediately was respond to the situation. She was thinking more with her Jones Lang LaSalle hat than with her RIMS hat. The entire leadership and spouses were on the West Coast doing strategic planning. [16:20] Janice says most of them operated in the Midwest and the East Coast. They had to get back, but there were no planes, no trains, and no transportation. They tried to get rental cars. So did everyone else in the world. [16:50] When they couldn't get more rental cars, they went to a used car lot and bought vans, station wagons, and whatever they could find where couples could travel together to similar places. When they got to where they were going, they sold the cars. That's how they got back. [17:15] Janice says, meanwhile, our technology folks were setting up hotlines: one hotline to figure out where people were. We had people traveling or on vacation. We didn't know where they were, and there was very limited communication. Phone lines and internet were down. [17:45] We set up a hotline. Every employee was required to call in every day for a couple of weeks, identifying where they were, whether they needed help getting back to their home, and what other resources they might need. The hotline helped them to get those resources. [18:06] The second hotline was for families. Families called that line if they were unable to reach their loved one. If the employee had called the hotline, JLL could tell the family where the employee was, how things were going, when they might get home, and take note of needs. [18:26] Janice says that's what was happening on the home front, away from the immediate needs in each of these 9/11 sites. It was only after that that you could settle back and think strategically about what it meant on a broader basis, and that's when she put her RIMS hat on. [18:49] Justin guesses that at the time, Jones Lang LaSalle had thousands of properties across the U.S., with millions of square feet. So there is the security risk at those buildings, as well. Janice agrees, absolutely. [19:04] Janice says people focus on New York and D.C., but in Kansas, Nebraska, and all around the country, everyone was in shock and preparing for the worst. [19:26] Janice says she remembers sitting on the 70th floor of the Aon Building, once they let everyone in, after a few days. There were windows all around, and her window looked out onto Lake Michigan, where all the military patrols were, over the lake. [19:52] Janice clearly remembers many times over the next several weeks sitting there and suddenly seeing a black helicopter rise into view. She could see the pilot's face, and she waved. Then it would descend. She says it was reassuring but also scary. [20:30] Justin asks about the hotlines. Janice says Jones Lang LaSalle did things collaboratively. If Technology was working on something, they brought in Risk, Legal, and HR, and they all sat down and figured it out. They were all a part of whatever strategy was needed. [20:55] Janice was involved. She was an important member of the Security Team and the Safety Team, and was involved even in the aftermath, coming up with ways in which to strengthen and protect their buildings. [21:08] People were worried about chemicals being thrown into the ventilation. So they came up with ways to protect that while still letting air into the buildings. What to do to allow people back in. All of those things had to be considered, for safety and for the practical effect on operations. [21:33] A Quick Break! Many fantastic RIMS events are coming up in 2026. The 11th Annual Chicagoland Risk Forum will return to the Old Post Office on Thursday, September 24th, 2026. Visit ChicagolandRiskForum.org for more information. [21:46] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. The agenda is live, and registration is open. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [22:02] Save the dates: October 18th through the 21st. In Quebec City, we will be hosting the 50th Annual RIMS Canada Conference. Booth sales are open, and sponsorship opportunities are still available. Visit RIMSCanadaConference.ca for more information. [22:24] Also, remember to check out RIMS.org/Canada for our spinoff show, RIMScast Canada, with a new episode every month. [22:32] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. Registration is open. Visit RIMS.org/ERM2026. [22:46] We're already looking to RISKWORLD 2027, which will be held over four days in New Orleans, Louisiana, from April 18th through the 21st! RISKWORLD 2027 Registration is open to organizational, individual, and associate RIMS members. [23:04] Get first access to the hotel block. Hotel reservations open on October 28th, ahead of public registration. Sitting this out is the real risk! The link to registration is in this episode's show notes. [23:17] Let's Return to Our Interview with Former RIMS President Janice Ochenkowski! [23:41] Janice says she needed to wear her RIMS hat almost immediately. She says everyone realized that there was "innocuous" language in all policies that said terrorist acts were covered. [23:57] There were no limits, sublimits, or deductibles. It was standard coverage because no one expected it to be a real issue. Then it was. There was an immediate concern as they looked at what their total exposure was. [24:14] There was the concern about what to do for new policies. There was a moratorium on policies, as there always is after a particular crisis. When they were reissued, that language was removed. That might not seem like a problem for organizations with no real risk. [24:35] Janice says, in the risk management area, there were covenants in our client contracts, from language pulled from insurance policies, that now we couldn't satisfy that requirement. We were in violation of our contract. [24:54] Janice says the more critical issues were loan agreements and mortgages. Lenders required terrorism insurance. They weren't going to take that out after 9/11. We were faced with a terrible conundrum. We were in violation of our loan agreements. [25:16] Janice says nobody moved quickly to foreclose on any of those things, but it was hanging over our heads. Unsuccessful efforts to renegotiate were going on, all across the country. Congress was absolutely unwilling to become the Federal program for terrorism. [25:39] Janice says Congress refused to consider it being another flood insurance program because that wasn't going too well. Insurers started trying to figure things out and made some limited amounts of coverage available. [25:55] At one point, globally, there was $10 million of terrorism coverage available. $10 million didn't satisfy anybody's loan requirement. Ultimately, it went up to $25 million, but it was still a problem. [26:24] Organizations like the Real Estate Round Table, RIMS, and other groups formed coalitions. Jim McIntyre was very helpful. He had contacts in all those groups. He inserted RIMS wherever he could. [26:49] JLL saw the basic need for what Janice was doing at RIMS, so she had carte blanche to go to Washington whenever she needed to work on these matters. These groups were able to explain to Congressional aides and the business press what things meant, in plain English. [27:33] Januce says, you tell them, this building goes into foreclosure, and the guy running the coffee shop doesn't have a job anymore. Development and construction totally stop. Nothing was being built. That impacts all the trades and unions, so they joined the coalition. [27:57] Unions became activists because their members, who thought they had jobs starting over the next several months, were now sitting on their hands with nothing to do. Small businesses set up around the potential sites had nothing happening. [28:18] Janice says there was a financial impact from that decision by insurers. It wasn't a faulty decision; they had shareholders. [28:33] Ultimately, after long discussions and negotiations, Janice testified before the President's Working Group on Terrorism, and before Congress, and met with Congressional Aides who were working on various bills, and was able to assist in passing TRIA. [28:58] TRIA wasn't perfect, but what it did was bring together the three major parties who had the most skin in that game and gave each of them a relative amount of financial responsibility in what happened. [29:12] These parties were the policyholders, with huge deductibles; insurance companies, with caps and reasonable premium allocations for risks, and the Federal Government, which came in after tens of millions of dollars had been paid out and criteria were met. [29:45] The Federal Government wasn't being capricious, or taking first-dollar risk, but was a backstop, so that there wouldn't be financial ruin and we wouldn't have a lot of bankruptcies. Imperfect as TRIA was, it solved a problem. [30:06] Janice says there have been several reauthorizations, and it has been tweaked each time to meet the issues and criteria that had to be met. Justin asks about cyber and forms of terrorism that may not be physical acts of terrorism. [30:31] Janice mentions the NBCR, for Nuclear, Biological, Chemical, and Radiological threats. It raised the issue, and there were risk management processes that were able to minimize those risks. [30:49] One more Quick Break! RIMS, The Foundation for Risk ManagementTM, is dedicated to shaping the future of the profession. By making a contribution, you are strengthening the global risk management community and investing in the future of the industry. [31:09] The Foundation also supports the Spencer Educational Foundation but has a different mission. The Foundation focuses on providing opportunities for those professionals who have already decided to enter risk management and are just getting started. [31:23] You can learn more about the Foundation by visiting www.RIMS.org/FRM.  While you're there, be sure to check out information about the Susan Meltzer Scholarship Fund, which was established to honor Ms. Meltzer, who was RIMS President in 1999 and 2000. [31:42] Susan Meltzer was a cherished RIMS President and contributed so much to RIMS and the greater risk community. Learn more at RIMS.org/FRM. [31:51] Let's Return to Our Interview with Former RIMS President Janice Ochenkowski. [32:12] Janice says meeting with Congressional Aides and Policymakers on Capitol Hill was intimidating the first hundred times she did it. You're walking into these buildings that you've only seen photographs of. You're going into the offices. [32:24] Jim McIntyre had explained to her that Congressional aides have a lot of power over the bills and the language in the bills. The Congresspeople they work for look to these aides to be their technical resource. [32:42] While some people were angry that they couldn't meet with the principal; they were only going to meet with the staff, but you want to meet with the staff. [32:57] The staff will take the time to sit down with language and work with you on it, and you'll have a better chance of impacting things by developing relationships with them. It worked very well. Some of the work Janice did with Jim before 9/11 really helped. [33:22] There was some insurance legislation that was going on. Aides did not understand what it meant. Janice ran a lunch program for the aides and taught them the basics of insurance. She bought pizzas for them. Now, you can't do that because you can't buy them lunch. [33:44] Janice says they were coming to learn. Many of them were thankful because it gave them an understanding of what people were talking about and why certain things mattered. We had built some groundwork before TRIA. It helped because I already knew some of the aides. [34:00] There were already relationships. They were willing to sit down and talk with us. We were the voice of the insurance buyer. Previously, when insurance matters were discussed on the Hill, insurance companies and brokers were lobbying. This time, it was the voice of the buyer. [34:29] Janice says, We were constituents. We represented industries and organizations that were in their respective districts. Our voice became an important voice, distinct from the insurance industry. It reinforced RIMS's importance and raised our visibility on the Hill. [34:58] In 2004, Janice testified before a Senate Government Affairs Subcommittee on Insurance Brokerage Regulation regarding TRIA. Janice says, walking in, she was overcome with a sense of history. The panel was people she had seen on C-SPAN. [35:26] Janice says she was terrified she would say something wrong, that it would come out backwards, and that she would embarrass RIMS, JLL, and herself. She was used to speaking in public, but this was just different. It all went well in the end. [35:55] Janice says she had a prepared statement. Then there were five-minute questions and answers. Janice says there is a clock counting down, and when it gets to one minute, it starts flashing. She says it was a little unnerving and she stuttered a few times. [36:33] Janice says they interrupt your five minutes with questions, so your time is less. You're supposed to summarize what your position is and what you're testifying for. When you're on a panel, it's not the same as when they're conducting a hearing, accusing you of wrongdoing. [37:02] Janice says the Congress Members are trying to get information and a few sound bites to send home. It's not antagonistic. They're not trying to trip you up on anything. Once you become accustomed to it, the next time is a little easier, because you're relaxed. [37:29] In 2006, Janice appeared before the House Subcommittee on Financial Services about Insurance Modernization. Janice says it was a topic that she had a lot of comfort in speaking about. She wasn't quite as nervous about getting the facts mixed up or totally blanking. [38:05] Janice says she was part of a panel of five or six people. It's for an hour or so. They might pause if somebody has to take a call. [38:36] Janice became RIMS President soon after. [38:52] In 2012, Janice returned to Capitol Hill for a hearing before the Subcommittee on Insurance, Housing, and Community Opportunity of the Committee on Financial Services in the U.S. House of Representatives. [39:08] Janice says she always spoke in RIMS's capacity. JLL did not do any lobbying. JLL joins groups, like the Real Estate Round Table, RIMS, and other groups that represent their interests. [39:36] Janice says that for the 2012 visit she had a greater comfort level. It was on an issue she was comfortable with: broker compensation. It was easier to discuss. She still had the same anxieties about being in Congress, in that room, with all the history, speaking to icons. [40:23] Justin says that TRIA was eventually passed. It's been reauthorized a couple of times. It has made a difference for companies and for society, at large. Janice says it raised RIMS's profile in the eyes of the others who were participating and testifying. [40:46] Janice says RIMS got a lot of press. The Wall Street Journal and the business press, in addition to insurance publications, presented information about RIMS. On a corporate level, when Janice's name was printed in association with JLL, clients asked about it. [41:18] Janice says, with things like TRIA, or general insurance questions, clients would go to their risk managers and ask them to contact me to get information. This delighted JLL because it was a closer client relationship. JLL had an initiative to provide specialist experts for clients. [42:23] Janice says if you go before Congress, the most important thing is to do your homework. Even if you're comfortable with public speaking, don't expect you can ad-lib to a Committee. Prepare, prepare, prepare, and understand the pros and cons. Practice with potential questions. [43:06] Janice practices loudly to learn what word combinations she stumbles over. Then she removes them from her presentation. She says when you're more prepared, you're more self-confident. That makes you a better presenter. Justin says, also, rehearse in different places. [44:29] Janice takes a somewhat formal draft and then "Janicizes" it. She writes it in a way that's more conversational, as she would speak, rather than reading something formally. That makes you more comfortable, so you're a better presenter. [45:22] Janice says it seems that everybody knows when it's time to pass the baton to the next generation. She loved what she did, and she did it well; she was open to new ideas, but she was standing in the way of the next generation of leaders moving forward. She didn't want to do that. [45:55] Janice says that people with new ideas, generational ideas, who could relate to what's coming up, need to be allowed to move forward. [46:12] Janice says, think about what's happening in Washington. People need to move aside to let a new generation of leaders come in. Otherwise, you're missing that energy and enthusiasm of a new group of leaders. That's life. You move away and let the new guy in. [47:05] Webinars: On September 17th, AXA XL returns to present the session, "Beyond the Loss Count: What Property Claims Reveal About Frequency, Severity, and Resilience." [47:16] On October 1st, Brown and Brown will make their RIMS Webinar debut with "The Future of Captives: What Risk Managers Should Think About Now." [47:26] On October 8th, Global Risk Consultants will present "The 2027 Risk Agenda: 10 Engineering Priorities Risk Leaders Should Act on Now." [47:35] On October 15th, Verisk Maplecroft will lead the session, "Beyond the Horizon: Turning External Risk Into Decision-Ready Insight." [47:44] On October 22nd, Zurich will present "Cybercrime, Fraud and AI: Real-World Threats and Practical Defenses for Business Leaders." [47:53] Origami Risk will return on October 29th with a topic that will be announced soon. [47:58] On November 5th, Riskonnect returns to deliver the session, "Signal Over Noise: Smarter Risk Analytics." [48:05] RIMS Certification Week will be held from September 21st through the 25th. All three webinars are complimentary for all and are available through the Webinars Page on RIMS.org/Webinars. [48:21] Let's Conclude Our Interview with Former RIMS President Janice Ochenkowski! [48:34] Justin says Janice became RIMS President during the housing and mortgage crisis of 2007-2008. Janice says it's something risk managers need to think about. When there is a crisis, you don't step away from it; you step into it. You show leadership.  [49:17] Janice says she was able to help resolve something that was one of the most critical issues at that time. At the beginning, the financial crisis focused on AIG and its vulnerability to bankruptcy, and what that meant to the entire insurance industry. [49:47] Janice says it was really difficult because AIG was a major insurer for almost every large corporation in the U.S. and globally. Suddenly, senior board members were wondering if their claims in process would be paid. Will AIG go bankrupt, and what will happen to those claims? [50:15] They wondered if they should cancel their policies mid-term and underwrite with someone else, and if so, who? What will the financial impact of that be? Boards were coming to risk managers with those questions. Janice had those questions herself. [50:35] Janice says we were totally unprepared to answer them. We didn't have any more information than you were reading in The Wall Street Journal. Janice and the phenomenal RIMS staff put together a series of podcasts, the first of which was in three weeks. [50:59] Janice says they got sponsors and speakers. They contacted experts in various areas and senior executives at the major insurers, including AIG, and insurance brokerages. They were willing to sit and talk to their clients and to be shown as thought leaders in the area. [51:20] Janice says at the time there were 1,000 talking heads saying what should be done, but there were very few facts. You can't form a good risk management response to anything until you have facts; until you have data you can rely on and move forward with. [51:50] Janice says RIMS strove to provide facts. When they did the podcasts, they did not only invite RIMS members. They sent invitations to the C-Suites of major corporations. They told The Wall Street Journal and other business publications they were running these podcasts. [52:06] There was a series of podcasts. People tuned in. They were interested. RIMS established credibility with the information they provided. RIMS gave them tools and told them what to think about and consider, and what the ramifications could be, and let them decide for themselves. [52:55] Janice says that it seemed to be a popular series, and it raised RIMS's profile within the general business community and the C-Suite, even in areas that didn't have dedicated risk managers who reported to the C-Suite. It was one of the most important things RIMS did. [53:25] Janice says, then they went to Congress and talked to them about solvency and more. Also, Janice says they kept in touch with Congressional staff between meetings. The key to relationships on the Hill is meeting with aides. Many move from one Congressperson to another. [53:49] You keep up the relationships, and that gives your organization credibility. You're there consistently. Once an aide called and asked her to help define risk management for a piece of legislation. They had no real idea. She helped them craft something reasonable but not onerous. [55:14] Justin brings up the RIMS Annual Legislative Summit. They have a presence on Capitol Hill every year. It's a two-day or two-and-a-half-day event, so members who attend can get onboarded, know their talking points, and know the issues. Janice elaborates on preparation. [56:15] Janice says the Legislative Summit brought a lot of people from local RIMS chapters into the External Affairs Committee. That was a good pipeline. [56:31] Justin says his experience in 2018, for the reauthorization of the National Flood Insurance Program, was everything Janice mentioned. There was a small card with talking points, there was a rehearsal, coaching from professional lobbyists, and industry leadership. [57:10] Justin says it was a great experience. They met with aides, brought maps, and showed flood zones. They had the talking points down, and it was effective. It was one of the best experiences he could have had as a new RIMS staff member. It was excellent. [57:59] Justin remarks that Janice was the right person for the job. Her experience at Jones Lang LaSalle was terrific. Janice was a lifer. She retired in 2018, after 38 years. [58:46] Janice says risk management has certain basic things, but you have to evolve with the times. You can't resist change; you have to look at change as an opportunity. [59:00] If you're a smart risk manager, you're going to lean your company into that opportunity. Janice says, when people were working in her generation of RIMS, it wasn't unusual to spend a career at one or two companies. There was stability. You didn't need to leave to be promoted. [59:26] Janice became a Partner. When they were incorporated, she became an officer. When she ended her career, she was an Executive Vice President and part of the Global Operating Team, which set strategies for all JLL businesses. They reported directly to the Board. [59:51] Janice says risk management had a fairly high profile. New risk officers may not have that opportunity because the business world is demanding that you move every three to five years to get promoted. [1:00:23] Janice says whatever works for you and your organization and helps you move forward is what your personal strategy needs to be. Janice says, not only those who died in the towers, in the Pentagon, and in the field, but those who walked away with scars, visible and invisible. [1:00:40] Justin takes a moment to address and honor everyone who lost their lives during the 9/11/2001 terrorist attacks, on its 25th anniversary. [1:01:04] Janice speaks of the first responders and volunteers who rushed in to help and walked away with lifelong consequences from the materials that they inhaled. [1:01:19] Janice says, We just need to spend a few minutes on 9/12 remembering them and making sure that the relevance and their sacrifices are noted. [1:01:36] Janice, you've given us so much inspiration, and told us what it took for you to be an effective RIMS President. To anyone thinking about pursuing a leadership role at RIMS, starting out now, what advantages do they have to position them for success as a RIMS leader? [1:02:06] Janice says, the most important benefit that exists today, that didn't when I was starting, is technology. Today we do Zoom calls. Getting together and communicating was much more onerous. [1:02:23] It wasn't as easy to get people from across the country together and work collaboratively. We can do that easily now. People are taking advantage of that. They're using social media to spread ideas. [1:02:41] Janice says her generation struggled with social media. She did it because that's what she had to do. You can't stagnate. You've got to move with the changes as they come and figure out how to use those changes to move yourself forward. [1:02:58] What will technology and AI mean to risk management? What will they mean to RIMS? How is RIMS going to use AI? How is RIMS leadership going to use AI to promote what the important basics of risk management are and can be? Those are things you have to consider. [1:03:18] In order to be an effective leader at RIMS, you have to get the absolute support of your organization. You've got to connect those dots. You've got to show how and why your leadership at RIMS is going to benefit your company. [1:03:42] Telling your leadership you're going to a conference is not going to convince them that there's anything important going on. [1:03:56] The way to convince them is to tell them there's a conference. These are the sessions that they're going to have. This is the speaker they will have. That speaker is someone I think will tell me information about how to address this issue. [1:04:13] This session is about an issue that we faced last year. I want to go and see how others are doing with it. The next step is to come back and write a note telling leaders what you learned in that session. Ask, Can I meet with you to talk about these things I think we can implement? [1:04:42] You're showing that you're taking the information you're learning and using it to improve risk management in your company, and more importantly, the business of the business you are working in. [1:05:00] When Janice was President, she would visit a chapter and ask everybody who's in the insurance industry to raise their hands. They would raise their hands. Then she told them, no, you use the products of the insurance industry, but you are your company's representative. [1:05:51] Janice Ochenkowski, thank you so much for all your time and your insight today. It's such a pleasure to meet you face-to-face, and I hope we get to do that in person at a future RIMS event. [1:06:06] Special thanks again to former RIMS President Janice Ochenkowski for joining us here on RIMScast! This was a lot of fun, and there are plenty of great takeaways about TRIA, RIMS, public speaking, and honoring the victims of the 9/11/2001 terrorist attacks. [1:05:26] It was a real pleasure to meet Janice Ochenkowski, one of our most revered leaders. [1:06:30] Plug Time! Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [1:06:48] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [1:07:04] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [1:07:17] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [1:07:29] Practice good risk management, stay safe, and thank you again for your continued support!   Links: Spencer Educational Foundation's 2026 Funding Their Future Gala | Sept. 17, 2026 ChicagoLand Risk Forum | Sept. 24, 2026 RIMS Certification Week: Sept. 21‒24 | Complimentary For All RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today. RIMS Canada Conference — Oct. 18‒21, 2026 | Quebec City | www.rimscanadaconference.ca | Sponsorship Opportunities Available RIMS ERM Conference 2026 | November 19‒20 in Columbus, Ohio | Registration Now Open! | www.rims.org/ERM2026 RISKWORLD 2027 Registration RIMScast Canada — Episodes Now Live — Watch the new video with Sophie Grégoire Trudeau. The Strategic and Enterprise Risk Center RIMS, the Foundation for Risk Management Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! RIMS Diversity Equity Inclusion Council RIMS-CRMP Stories RISK PAC | RIMS Advocacy RIMScast on YouTube! RIMS Risk Management magazine | Contribute | Q2 2026 Issue Now Available Sponsor RIMScast — Sales@RIMS.org Upcoming RIMS-CRMP Virtual Workshops: Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops   Upcoming RIMS Webinars: RIMS.org/Webinars "RIMS Student Series: Classroom to Career Part 2" | Sept 9 | Complimentary for all "Beyond the Loss Count: What Property Claims Reveal About Frequency, Severity and Resilience" | Sponsored by AXA XL | Sept. 17, 2026 "RIMS Certification Week: Sept. 22‒24" | Complimentary for All "The Future of Captives: What Risk Managers Should Be Thinking About Now" | Sponsored by Brown & Brown | Oct. 1, 2026 "The 2027 Risk Agenda: 10 Engineering Priorities Risk Leaders Should Act on Now" | Sponsored by Global Risk Consultants | Oct. 8, 2026 "Beyond the Horizon: Turning External Risk Into Decision-Ready Insight" | Sponsored by Verisk Maplecroft | Oct. 15, 2026 "Cybercrime, Fraud and AI: Real-World Threats and Practical Defenses for Business Leaders" | Sponsored by Zurich | Oct. 22, 2026 "Signal Over Noise: Smarter Risk Analytics" | Sponsored by Riskonnect | Nov. 5, 2026   Related RIMScast Episodes: "Opening Windows of Tolerance with Sophie Grégoire Trudeau" "When Geopolitics Hits the Balance Sheet with Cari Stinebower" "RIMS Advocacy in 2026 with Mark Prysock"   Sponsored RIMScast Episodes: "48 Hours From a Storm: What to Do Before A Hurricane Strikes" | Sponsored by Global Risk Consultants, a TÜV SÜD Company (New!) "AI-Scale, Risk Ready: Engineering Controls for the New Data Center Boom" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Facing Into Risk: Navigating the New Risk Landscape" (New!) | Sponsored by AXA XL "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company Demystifying Multinational Fronting Insurance Programs | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against an Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Janice Ochenkowski, Former RIMS President   Special introduction by RIMS CEO Gary LaBranche   Production and engineering provided by Podfly.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Lawanda "Elle Michell" Hall about working with Spencer Educational Foundation. They discuss experiences outside the classroom, including mentoring, conferences, and responsible communication with industry professionals. They discuss the importance of participating actively in conferences, not just sitting there. Lawanda shares some of the gaps she sees between students' preparation and the readiness employers will expect from them. She explains how coaching can prepare them for entering the risk management workplace. Lawanda encourages RIMS chapters to give the mic to students so they can understand the importance of their voice. Listen for wisdom on listening without judgment and communicating responsibly.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. Our guest is Lawanda "Elle Michell" Hall. She is a risk management student mentor. She is going to talk about how she is helping to guide the next generation of risk management professionals. But first… [:45] RIMS-CRMP! RIMS Certification Week will be held from September 21st through the 25th. A link to the week's events is on this episode's show notes, including three free webinars. The week is a global celebration of the RIMS Certified Risk Management Professional certification. [1:02] It is a virtual event for you to learn about the certification, how it can strengthen your career and organization, and understand how the RIMS-CRMP is helping shape the future of risk management. A link to Certification Week is in the show notes, or find it at RIMS.org/Webinars. [1:20] On September 9th, the Classroom to Career series concludes. Join experienced risk professionals for an engaging discussion about what it's like to build a career in the field of risk management. This session is complimentary for members and nonmembers. [1:38] Webinars: On September 17th, AXA XL returns to present the session, "Beyond the Loss Count: What Property Claims Reveal About Frequency, Severity, and Resilience." [1:49] On October 1st, Brown and Brown will make their RIMS Webinar debut with "The Future of Captives: What Risk Managers Should Think About Now." [2:00] Global Risk Consultants will return on October 8th. Their topic will be announced soon. [2:06] On October 15th, Verisk Maplecroft will lead the session, "Beyond the Horizon: Turning External Risk Into Decision-Ready Insight." [2:15] Origami Risk will return on October 29th with a topic that will be announced soon. [2:20] On November 5th, Riskonnect returns to deliver the session, "Signal Over Noise: Smarter Risk Analytics." Visit RIMS.org/Webinars to register. [2:30] RIMS is back on YouTube. Our handle is @RIMSOfficialChannel. We've got plenty of videos there, including RIMScast, RIMScast Canada video podcasts, and other informative and entertaining content from RIMS. Subscribe to the channel today! [2:48] The Spencer Educational Foundation's Funding Their Future Gala will be held on September 17th at the newly renovated Waldorf Astoria in New York City. Visit SpencerEd.org and the link in this episode's show notes.  [3:05] On with the Show! I mentioned Spencer just now because one of our favorite Risk Managers on Campus is rejoining us here on RIMScast. I'm talking about Lawanda "Elle Michell" Hall. She is the CEO of Intelligent Intentions. [3:21] We will talk about the habits, mindsets, and professional skills that are consistently distinguishing students who are making lasting impressions on recruiters and hiring managers, from those who need to sharpen their skills. [3:34] Also, some of the trends she is seeing among risk students, habits that they need to develop, and some that they need to break. We're going to have a lot of fun! Let's get to it! [3:44] Interview! Lawanda "Elle Michell" Hall, welcome back to RIMScast! [4:09] Lawanda says students preparing for a risk career need a menu of options. The next step would be aligning their appetite to the options, having the courage to create something that may not be on the menu, and having the courage to ask for off-menu options. [4:31] Lawanda says, as we navigate this industry, emerging technologies, and emerging risks, wrapping our minds around companies that don't exist yet and may come to exist, students look to the future, understanding that sometimes the options are not yet on the menu. [4:57] Lawanda encourages them to keep an open mind, keep a creative posture, and have the courage to ask, what are they not seeing on the menu that could also be an option, or how they can co-create an option aligned with their interests but also what the industry needs from them. [5:45] Lawanda and Justin agree that it is a heavy lift for students. Lawanda says students nowadays have such a broad reference that we didn't have, and that puts them in the position to be more creative and thoughtful about the future. [5:57] Lawanda says, tech change is happening much more rapidly for students than it did for us. That gives them a different posture for looking into the future. There's new technology every year. Lawanda says, we didn't replace our cell phones every year. We didn't have cell phones. [6:21] When we got cell phones, we weren't replacing them every year. Now, students are almost expected to update their technology annually. That's indicative of how they feel about the future, changes, and evolution. They have an accelerated understanding of the possibility of change.  [6:40] Lawanda says social media plays into it, where everybody has the latest and the greatest, and they think that they need to have the most updated thing. Lawanda says she gets anxious every time there's an update. Will she have to figure it out all over again? Chances are, yes. [7:43] Lawanda says students embrace that change. They look forward to it, and they expect it. That gives them a different mindset around forward thinking. [8:05] For experiential learning, Lawanda recommends coaching, attending conferences, and making sure students understand responsible communication with industry professionals. If you're not responsible and thoughtful about how you communicate, it can backfire. [8:24] Lawanda says she coaches students before conferences. She helps them understand how to maximize that moment, and not just be sitting there or standing there like a wallflower. She wants them to maximize the moment in whatever way they can. [8:43] Lawanda does coaching. She makes sure they attend conferences, not just the big ones, but also local events that are hosted by professional organizations, including RIMS. Students need coaching, conferences, and responsible communication with industry professionals. [9:18] Justin comments that attending a large conference and speaking to people takes a certain degree of confidence. Justin asks if being in school during COVID prevented young people from picking up social cues and networking cues. [10:00] Lawanda thinks that young people's social connections were declining before COVID due to social media. Students aren't communicating with each other. They text or use social media as armor to make them feel more comfortable and confident in their communication.  [10:22] Face-to-face interaction is awkward because they don't practice it amongst themselves or amongst the community. Lawanda says COVID amplified it, but it wasn't the beginning or the cause of it. [10:38] Social media continues to create that challenge because students are comfortable on their phones and engaging in that space. When students show up, the confidence and courage don't translate from social media to the real world. [11:01] Lawanda says students need to understand social etiquette and multi-generational communication and connection, the things we were taught because we didn't have a phone: you have to make eye contact, speak up so people can hear you; things we take for granted. [12:11] Lawanda says she's very curious. She is intrigued by students, and she listens to them. She wants to hear what they have to say. She doesn't have to agree. She doesn't sit in a place of judgment or offense. If you don't listen to them, they are not willing to listen to you. [12:46] From listening to students, Lawanda gains an understanding of their language so she can use their language to talk to them. It also shows her where their deficiencies are, so she can fill those gaps and help them understand how to take the next step toward their objectives. [13:19] A Quick Break! Many fantastic RIMS events are coming up in 2026. The 11th Annual Chicagoland Risk Forum will return to the Old Post Office on Thursday, September 24th, 2026. Visit ChicagolandRiskForum.org for more information. [13:34] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. The agenda is live, and registration is open. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [13:51] Save the dates: October 18th through the 21st. In Quebec City, we will be hosting the 50th Annual RIMS Canada Conference. Booth sales are open, and sponsorship opportunities are still available. Visit RIMSCanadaConference.ca for more information. [14:08] Also, remember to check out RIMS.org/Canada for our spinoff show, RIMScast Canada, hosted by National Conference Committee Chair, Aaron Lukoni. [14:19] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. Registration is open. Visit RIMS.org/ERM2026. [14:32] We're already looking to RISKWORLD 2027, which will be held over four days in New Orleans, Louisiana, from April 18th through the 21st! [14:42] RIMS members can exclusively register by September 4th for the best rate. And get first access to the hotel block. Hotel reservations open on October 28th, ahead of public registration. Sitting this out is the real risk! The link to registration is in this episode's show notes. [15:02] Let's Return to Our Interview with Lawanda Hall! [15:19] When Lawanda works with students, she starts with the end in mind. What are their objectives? What are they trying to accomplish? This generation is very focused on getting things done. They're go-getters. Impact and results are what propel them. [15:37] They may be stopped, like any human being, by not having the confidence or by fear of what people will think. Lawanda starts with the end in mind by focusing on getting it done. She coaches them through the process and gives them the benefit of her perspective. [15:53] Lawanda reminds them that everybody they talk to are human beings, too. They're imperfect human beings. She tells them, they're here to listen to you because you have a perspective they're interested in. It's going to work out. It's a conversation. You're not on trial. [16:14] Just think about the objective and keep it in mind to push through. [16:49] Lawanda says students want immediate impact, as far as the next step or thing, and instant feedback, but not necessarily instant completion. If they have a big goal, or big things to accomplish, it's not going to happen in a moment. [17:09] They want instant feedback. They don't want to be told they will figure it out later. Do they follow up? They want to know that this step is complete to get ready to go to the next step. Lawanda says that is realistic, and it accelerates what they're trying to accomplish.  [17:36] Justin says that his daughter zones out over context when she asks for help with her homework. She just wants the instant answer. That's the future workforce of the industry. [18:23] Lawanda says the students don't value context as much as earlier generations. Our responsibility as a generation is to help them learn how to think. Critical thinking is a dying art. Lawanda challenges them on how to think things through. [18:42] If they ask a question, Lawanda may ask them another question to help them think through it, and walk them through the thinking process, versus just giving them an answer. Also, she may use a reference that they have in their world. [19:03] Lawanda has godchildren who are young enough to keep her fresh with what's popular. Lawanda likes to use a reference that's familiar to students, to pull them into the thinking game; thinking through a process. Just asking and getting the answer is not transformative. [19:36] Justin says we don't want them always asking their phones for the answers. Lawanda says that flattens their thinking. It's important that we call them up to be critical thinkers. [19:50] One More Quick Break! The Spencer Educational Foundation's Funding Their Future Gala 2026 will be held on September 17th in New York City at the Waldorf Astoria. This year's honorees are two of our recent guests, Sierra Signorelli of Zurich and Marya Propis of RT Specialty. [20:14] A link to the Gala is in this episode's show notes. [20:18] The Spencer Educational Foundation's Internship Grant applications opened on August 15th and will close on October 15th. A link to the Internship Grants page is in this episode's show notes. Visit SpencerEd.org for more information. [20:39] Let's Conclude Our Interview with Lawanda Hall! [21:16] Lawanda says there is a communication gap between generations. That's not new. Every generation has that gap of understanding, based on where they sit. The socio-emotional gap is new and growing, created partly by the helicopter parenting, everybody-gets-a-trophy approach. [21:42] Lawanda says people who are entering the workforce are looking to work and contribute to make a living. People who are hiring are looking for that, too. They're looking for a good work ethic. The disconnect is in the how. The work they do hasn't changed as much as how they do it. [22:09] Lawanda has heard of people bringing their parents to work to advocate on their behalf because they don't have the courage to have the conversation with their boss. She has heard of this generation bringing their parents into interviews, because they're not sure what to do. [22:50] Lawanda leans into her curiosity and asks, How did we get here? Why are students not courageous enough or able to do these things on their own in their early 20s? She has questions of parents and questions of students, and the educational institutions? What are we not doing? [23:21] Lawanda says we have co-created this. We can't just put it on the students. They didn't raise themselves. They're not in a silo. We have to look at the entire environment and ask, Who contributed, how, and why? [23:40] Lawanda continues, Why are we here where we don't have adults who have the courage to show up in the way that they have in generations past? Justin displays his shock at the scenario. Lawanda doesn't know if the parents volunteer or if the students ask them to go. [24:39] Lawanda wants to examine that construct and ask what's going on here. Parents have gone from coaching to coddling. Lawanda says that's a big contributor to students' inability to sit as an adult with other adults, have courageous conversations, and show up with confidence. [25:08] Lawanda says if she had asked one of her parents to go to an interview with her, they would have laughed and told her she was crazy. They would not have entertained that. Why are parents doing it? These children did not raise themselves. [25:24] Lawanda says coaching is very important. When she coaches students for an hour, she can see the shift in their understanding. They're getting information, agency, and authority over their being that they didn't have before she talked to them. [25:40] Lawanda says, for some reason, there are parents who are not handing over agency and authority to students at the time that they need to, so you have 25- and 30-year-old teenagers who don't understand how to adult in the workforce. That is a big disconnect. [26:05] Lawanda says students are smart and capable of doing the work. How they show up for work, and the socio-emotional disconnect, is one of the biggest challenges for this generation of students and employees. It feels like babysitting. A business is not a day-care. [26:29] Lawanda says, you want them to come in, do work, and contribute, without having to feel like you need a whole team of Social Workers in HR to make sure that employees are OK. That's counterproductive and antithetical to adulting and what you expect from an adult. [27:35] Lawanda says judgment and criticism create more distance. Our goal is not to create more distance, but to close the gap, embrace them, bring them forward, and call them up into their power, into their authority, and hand over the agency to them, so that they understand. [27:48] It's not that they can't do it. They haven't been given permission to do it. They lack social opportunities in their everyday life, the things we took for granted, like going outside and playing kickball and hanging out with other kids. [28:06] You learn so much in that space. Your confidence grows, your courage grows, your problem-solving skills, and your thinking skills; all these things are taking place. These students aren't getting that. [28:17] They're in their room on their phones, scrolling, hearing opinions, giving opinions, being judged, judging, and not socializing. Justin says, it's all noise; it's not constructive. There's a difference between controlled chaos and chaos. Justin will not sit in on his kid's job interviews. [28:40] Lawanda says it starts before job interviews. At some point, you hand over the agency and say, you handle that on your own and then come back and tell me how it worked out. If you need me to come, I will, but you do it first, and let's see how it works out. [29:27] In restaurants, Justin makes sure that his children deal with the server. They hear and speak, and they know what they want. He doesn't speak for them. [29:43] Lawanda says that when you speak for your children forever, you never hand them their agency. You teach them that their voice is not valuable, that their voice doesn't matter, and that they don't have to think or speak up for themselves. That's not healthy evolution. [30:40] Lawanda says Spencer Educational Foundation is amazing. They do more than write checks. They embrace experiences for students. They give them opportunities to engage in industry exposure. They are great at holding folks accountable for how they spend the money. [31:08] Spencer Educational Foundation makes sure their dollars have wings, that evolution and growth are happening, and whatever the intention is for the money, that it is happening within the organizations and institutions they support. [31:26] Lawanda says this creates accountability and an environment of respect, generation after generation. Lawanda is happy to be part of the Spencer family. She also encourages others to be part of the Spencer family. [31:51] Lawanda says Spencer Educational Foundation is a place that operates with amazing integrity; she knows it will be around for a long time, just based on how they do business; not just what they do, but also how they do it. [32:07] Lawanda says, Spencer Educational Foundation is a beautiful investment of not just dollars, but also understanding, and a beautiful culture of accountability. [32:24] Lawanda is in Atlanta, Georgia. Justin mentions that RIMS has a very active chapter in Atlanta. Justin asks Lawanda what she would hope every RIMS chapter listening today would do to better support students and strengthen the next generation of risk professionals,  [32:48] Lawanda says, it's simple, but it's a big impact: Give the mic to the students. Lawanda has been in RIMS since she was in college. One thing the Atlanta chapter did was to have a session where students would do a case study on a topic and present it to the professionals. [33:12] Lawanda says every year, students had an opportunity to present their case study. When Lawanda was in school, they presented on TRIA because it was new. The professionals wanted to know more about it, so the students worked with professors to understand it and prepare it. [34:01] Lawanda says, We were able to present that to them and add value to their experiences, and also add a tremendous amount of confidence that encouraged the students to know they were valuable to the professionals, and the professionals were valuable to the students. [34:14] Lawanda says we have to be open to allowing ourselves to learn from the students and value their voice. When we value their voice, it calls them to understand the importance of their voice and having agency over their voice. That's one thing chapters can do to help students. [34:54] Justin is glad Lawanda brought up the Terrorism Risk Insurance Act (TRIA), because next week's guest is former RIMS President Janice Ochenkowski, who was instrumental in helping Congress understand the importance of TRIA in its earliest stages. [35:08] Next week we are going to commemorate the 25th anniversary of the September 11th  terrorist attacks, here on RIMScast with her. [35:22] Lawanda says in 25 years, she went from being mentored to being a mentor; Impact does not come in a one-size-fits-all package. You can have impact in a five-minute conversation and give them the opportunity to learn from your missteps or your mistakes in the industry. [35:50] You can have a longer relationship as a mentor, where you do check-ins and touchpoints, and kind of coach and cultivate, and help someone to understand what their possibilities are in different segments of their career. [36:08] Lawanda says she has understood that just because things are packaged a certain way doesn't mean that's the only packaging it can exist in. Micromentoring is valuable because not everyone has the capacity to take on a mentor for a year or six months. [36:34] Lawanda says if you encounter somebody, and spend three to five minutes with them, and give them the benefit of a lesson that you've learned, it can be a seed that will blossom beautifully along the way. Understand that impact exists in a variety of packages. [36:56] Justin says, It has been such a delight to see you! I hope to see you again at RISKWORLD 2027 in New Orleans. Lawanda says she loves New Orleans and looks forward to being in that space for some good, productive meetings, and some really good food. [37:24] Lawanda, we appreciate all you do for our next generation of risk professionals. Your affiliation with Spencer is always valued. I look forward to seeing you in April! [37:50] Special thanks again to Lawanda Hall for joining us here on RIMScast! A link to her prior RIMScast appearance is in this episode's show notes. She is one of our esteemed Risk Managers on Campus through the Spencer Educational Foundation's program. [38:05] The deadline for the Spencer Educational Foundation's Risk Manager on Campus Grant has passed, but I've put up a link so you can plan for 2027. [38:13] Plug Time! Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [38:31] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [38:47] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [39:01] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [39:13] Practice good risk management, stay safe, and thank you again for your continued support!   Links: "RIMS Student Series: Classroom to Career Part 1" | Sept 1 | Complimentary for all "RIMS Student Series: Classroom to Career Part 2" | Sept 9 | Complimentary for all Spencer Educational Foundation's 2026 Funding Their Future Gala | Sept. 17, 2026 ChicagoLand Risk Forum | Sept. 24, 2026 RIMS Certification Week: Sept. 21‒24 | Complimentary For All RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today. RIMS Canada Conference — Oct. 18‒21, 2026 | Quebec City | www.rimscanadaconference.ca | Sponsorship Opportunities Available RIMS ERM Conference 2026 | November 19‒20 in Columbus, Ohio | Registration Now Open! | www.rims.org/ERM2026 | RISKWORLD 2027 Registration | RIMS members can lock in 2026 rates now through Sept. 4 RIMScast Canada — Episodes Now Live — Watch the new video with Sophie Grégoire Trudeau. The Strategic and Enterprise Risk Center RIMS, the Foundation for Risk Management Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! RIMS Diversity Equity Inclusion Council RIMS-CRMP Stories RISK PAC | RIMS Advocacy RIMScast on YouTube! RIMS Risk Management Magazine | Contribute | Q2 2026 Issue Now Available Sponsor RIMScast — Sales@RIMS.org Lawanda "Elle Michell" Hall — Intelligent Intentions Upcoming RIMS-CRMP Virtual Workshops: Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops   Upcoming RIMS Webinars: RIMS.org/Webinars "Beyond the Loss Count: What Property Claims Reveal About Frequency, Severity and Resilience" | Sponsored by AXA XL | Sept. 17, 2026 RIMS Certification Week: Sept. 22-24 | Complimentary For All "The Future of Captives: What Risk Managers Should Be Thinking About Now" | Sponsored by Brown & Brown | Oct. 1, 2026 "Beyond the Horizon: Turning External Risk Into Decision-Ready Insight" | Sponsored by Verisk Maplecroft | Oct. 15, 2026 "Signal Over Noise: Smarter Risk Analytics" | Sponsored by Riskonnect | Nov. 5, 2026   Related RIMScast Episodes: "Opening Windows of Tolerance with Sophie Grégoire Trudeau" "Choosing the Challenge with Johnell Holly" "A Menu of Risk Options with Elle Michell Hall" (2023)   Sponsored RIMScast Episodes: "48 Hours From a Storm: What to Do Before a Hurricane Strikes" | Sponsored by Global Risk Consultants, a TÜV SÜD Company (New!) 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RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Lawanda "Elle Michell" Hall, CEO, Intelligent Intentions Risk Manager on Campus   Production and engineering provided by Podfly.

Ponho no vento o ouvido e escuto a brisa, que brinca em teus cabelos e te alisa. Pátria minha, e perfuma o teu chão... Escute o episódio da semana. Obrigado.

Homilia Padre Henrique de Paula, IVE: Evangelho de Jesus Cristo segundo Lucas 4,16-30Naquele tempo,veio Jesus à cidade de Nazaré, onde se tinha criado. Conforme seu costume, entrou na sinagoga no sábado, e levantou-se para fazer a leitura.Deram-lhe o livro do profeta Isaías. Abrindo o livro, Jesus achou a passagem em que está escrito: "O Espírito do Senhor está sobre mim, porque ele me consagrou com a unção para anunciar a Boa-Nova aos pobres; enviou-me para proclamar a libertação aos cativos e aos cegos a recuperação da vista; para libertar os oprimidos e para proclamar um ano da graça do Senhor".Depois fechou o livro, entregou-o ao ajudante, e sentou-se.Todos os que estavam na sinagoga tinham os olhos fixos nele. Então começou a dizer-lhes: "Hoje se cumpriu esta passagem da Escritura que acabastes de ouvir".Todos davam testemunho a seu respeito, admirados com as palavras cheias de encanto que saíam da sua boca. E diziam: "Não é este o filho de José?"Jesus, porém, disse: "Sem dúvida, vós me repetireis o provérbio: Médico, cura-te a ti mesmo. Faze também aqui, em tua terra, tudo o que ouvimos dizer que fizeste em Cafarnaum".E acrescentou: "Em verdade eu vos digo que nenhum profeta é bem recebido em sua pátria. De fato, eu vos digo: no tempo do profeta Elias, quando não choveu durante três anos e seis meses e houve grande fome em toda a região, havia muitas viúvas em Israel. No entanto, a nenhuma delas foi enviado Elias, senão a uma viúva que vivia em Sarepta, na Sidônia. E no tempo do profeta Eliseu, havia muitos leprosos em Israel. Contudo, nenhum deles foi curado,mas sim Naamã, o sírio".Quando ouviram estas palavras de Jesus,todos na sinagoga ficaram furiosos. Levantaram-se e o expulsaram da cidade.Levaram-no até ao alto do monte sobre o qual a cidade estava construída, com a intenção de lançá-lo no precipício.Jesus, porém, passando pelo meio deles,continuou o seu caminho. Palavra da Salvação.

Conviértete en un supporter de este podcast: https://www.spreaker.com/podcast/el-mananero-radio--3086101/support.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Cari Stinebower about sanctions as an enterprise risk management issue. They discuss the holistic view of the maritime space and enterprise risk. They cover aspects of the Terrorism Risk Insurance Act (TRIA) and how insurance companies, brokers, and reinsurers work with the U.S. Government to mitigate terrorism risk.   Listen for advice on keeping your organization compliant with respect to sanctions and terrorism risk.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. We will discuss geopolitical risk, sanctions, and TRIA with Cari Stinebower, a partner in the Washington, D.C. office of Steptoe. But first… [:42] RIMS-CRMP Virtual Workshops. RIMS will partner with PARIMA for the RIMS-CRMP on September 1st and 2nd for a two-day virtual workshop. Registration links are in this episode's show notes. [:55] Also on the webinars page, you will see a two-part series hosted by the RIMS Membership Department. The "Classroom to Career" webinar series highlights how RIMS equips students with the knowledge, skills, and connections needed to thrive in risk management careers. [1:10] Participants will gain insights into industry trends, career pathways, and practical tools that help them confidently step into the evolving world of risk management after graduation. These sessions will be hosted on September 1st and 9th. [1:24] These sessions are member exclusives and are complimentary for RIMS members, of course. So, if you are interested in becoming a member, this would be the time. Visit RIMS.org/membership. [1:34] Webinars: On September 17th, AXA XL returns to present the session, "Beyond the Loss Count: What Property Claims Reveal About Frequency, Severity, and Resilience." [1:46] On October 1st, Brown and Brown will make their RIMS Webinar debut with "The Future of Captives: What Risk Managers Should Think About Now." Visit RIMS.org/Webinars to register. [1:59] RIMS is back on YouTube. Our handle is @RIMSOfficialChannel. We've got plenty of videos there, including RIMScast, RIMScast Canada video podcasts, and other informative and entertaining content from RIMS. Subscribe to the channel today! [2:17] On with the Show! Our guest today is Cari Stinebower. She is a partner at Steptoe in Washington, D.C., and a former U.S. Department of the Treasury and Office of Foreign Assets Control (OFAC) Attorney-Adviser. [2:32] Cari focuses her practice on regulatory risk where U.S. National Security and Foreign Policy objectives intersect with cross-border business. [2:39] We will talk about fraud, money laundering detection, and cybersecurity, and how this can be connected to the Terrorism Risk Insurance Act (TRIA). [2:50] We'll also talk about how international sanctions can impact any organization, and why risk managers should be strategizing now, if they haven't already. There is so much to discuss!  Let's get to it! [3:04] Interview! Cari Stinebower, welcome to RIMScast! [3:24] Cari says she was at OFAC at an interesting time. She came in after a Hill job doing the campaign finance cleanup for the Democrats for three years, from 1996 to 1999. [3:38] Cari says that OFAC sank their teeth into anti-money laundering and the detection of fraud and corruption. When Cari joined Treasury as an analyst within OFAC, they slotted her into a position focused on counter-narcotics work, and also on the Milošević tribunal. [4:03] Cari says there was lots of work to do and not enough staff to do it. Everyone ot OFAC had then, and still has, multiple portfolios. Cari was splitting between Milošević and counter-narcotics work. [4:20] Cari says she spent a lot of time in Colombia working with banks and the Colombian government on anti-money laundering, focused on the cartels. The drug dealers were very sophisticated and were spectacular at establishing front companies and money laundering. [4:54] Cari says it was a very good lesson for what was to come through the counter-terrorism work. The Colombian narcotics traffickers and their front companies were light-years ahead on money laundering techniques and sanctions evasion. [5:44] Cari says in Colombia, at that time, the narcotics traffickers were excellent businessmen. It was such a lucrative career that they had to find ways to wash the cash. They were buying agricultural businesses, tourism businesses, pharmacies; anything they could to launder cash. [6:18] Cari says they could have been fabulous businessmen if they had gone legitimate. She says some of them tried. [6:32] Cari says 9/11 happened, so the world changed overnight. Cari switched from a counter-narcotics focus to a counter-terrorism focus. [6:44] They started chasing the money. Who was the source of the funds? Where was it going? Which financial institutions were involved? Were they doing it knowingly? Were they being used by governments? Were they being used by "charities"? How is it flowing? [7:03] Cari says that became her focus at OFAC for the next five years after 0/11, before she hopped into the private sector. [7:39] Justin asks about sanctions against nations. Cari says the old way Treasury used to do sanctions was by jurisdiction. A jurisdiction would be identified as prohibited, off-limits for U.S persons, meaning individuals and entities. [8:01] Any funds, transactions, or contracts that came into the possession or control of the U.S. person or entity would, by operation of law, be blocked or frozen; the title remained with the sanctioned party, but the U.S. person or entity had to freeze it and report it to the Treasury. [6:26] The original sanctions on Iran were jurisdictional, based on the government, based on persons located within the jurisdiction of Iran. The Department of the Treasury was aggressive in pursuing enforcement actions. [8:44] Financial institutions were sanctioned with multi-million-dollar penalties. The world started to voluntarily comply. It was U.S. driven initially, but European financial institutions and some of the Emirati financial institutions got on board and complied with the sanctions. [9:20] The Departments of the Treasury and Justice used a clause within the underlying statute for the Iran sanctions that allowed penalties to be imposed on non-U.S. financial institutions that were causing a U.S. bank to process transactions on behalf of the sanctioned party. [9:43] That was the line of the European banking cases that came out. Cari says banks were penalized from 2005 through 2015, which pretty much swept in everyone. [9:56] That was the modern buildout of the compliance program where the U.S. established it was applying its sanctions requirements not only to U.S. persons but to non-US. persons where they could also identify a nexus. [10:12] The favorite nexus was the use of U.S. dollars through the clearing system. Sanctions exploded. It was identifying ways to reach non-U.S. parties through the use of dollars, servers located in the U.S., call centers, approvals, or whatever they could, as a hook to get U.S. nexus. [10:51] Justin asks about sanctions against Russia, Iran, and North Korea. Cari says North Korea has sort of fallen off. There's a big focus on North Korea's use of forced labor. They've also been active in cyberspace and ransomware. [11:20] Cari says we don't see North Korea as often as we see Iran, Russia, and, to a certain degree, Cuba. It depends on the administration. For a while, Venezuela was really hot, from an anti-corruption, anti-money-laundering perspective, rather than a sanctioned invasion. [11:46] Justin speaks of the latest AML bill, passed in 2023. Cari says the big overhaul was under the Patriot Act, which updated and modernized the Bank Secrecy Act. It also updated and modernized the International Emergency Economic Powers Act (IEEPA), OPEC's big statute. [12:09] Cari says there have been updates since. When you hear M&A partners or private equity guys talking, they often refer back to the Patriot Act. The Patriot Act becomes this overarching term for updates to the AML laws and regulations. [12:48] Cari says there has been a growing evolution of the anti-corruption, anti-bribery statutes, the anti-money-laundering statutes, the sanctions world, and the adjacents like the whistleblower protections and the Terrorism Risk Insurance Act. [13:09] Cari says all of these components are part of this growing collective focus on upgrading U.S. Government abilities to protect against threats to national security and the economy. [13:32] Justin says risk managers are accustomed to thinking about operational and financial risks, but sanctions can feel like a legal issue. Part of the problem is you may have a legal officer who is not a risk manager or a risk manager who is not a legal officer. [13:48] Justin asks, When should sanctions become an Enterprise Risk Management issue? Cari says, looking at OFAC's enforcement actions, sanctions should always be an Enterprise Risk Management focus. [14:04] It's very easy for the bad guys to take advantage of a business if it's siloed. The easiest way to detect a problem, whether it's financial sanctions evasion or exposure to corruption, is if the enterprise is looking holistically at its business, its counterparties, and its transactions. [14:26] Cari says, when we're working with clients on building a global compliance policy or procedure, we keep telling them that it's better to have a holistic view of the business, customers, and geography. [14:43] Not only geographic risk, customer risk, or service risk, but also across the regulatory schemes. If you have sanctions exposure somewhere in your enterprise, you're also likely going to have an anti-money-laundering issue, a corruption issue, and/or an export controls issue.  [15:06] Cari says when you're building out compliance, you want to have a 1,000-foot view of the business units, your customers, your geographies, and the regulatory components, so that you can take advantage of what you may be seeing in one area. It's silos that cause the problems. [15:26] A Quick Break! Many fantastic RIMS events are coming up in 2026. The 11th Annual Chicagoland Risk Forum will return to the Old Post Office on Thursday, September 24th, 2026. Visit ChicagolandRiskForum.org for more information. [15:42] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. The agenda is live, and registration is open. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [15:59] Save the dates: October 18th through the 21st. In Quebec City, we will be hosting the 50th Annual RIMS Canada Conference. Booth sales are open, and sponsorship opportunities are still available. Visit RIMSCanadaConference.ca for more information. [16:16] Also, remember to check out RIMS.org/Canada for our spinoff show, RIMScast Canada, hosted by National Conference Committee Chair, Aaron Lukoni. [16:27] The RIMS ERM Conference 2026 will be held on November 19th and 20th in Columbus, Ohio. Registration is open. Visit RIMS.org/ERM2026. [16:40] We're already looking to RISKWORLD 2027, which will be held over four days in New Orleans, Louisiana, from April 18th through the 21st! [16:50] RIMS members can exclusively register by September 4th for the best rate. And get first access to the hotel block. Hotel reservations open on October 28th, ahead of public registration. Sitting this out is the real risk! The link to registration is in this episode's show notes. [17:10] Let's Return to Our Interview with Cari Stinebower! [17:26] Cari says an example of sanctions risk is Iranian oil or Venezuelan oil. Typically, the pattern is you have a Greek shipment manager under charter to deliver oil and gas to China.  The Bill of Lading says the cargo is of Omani origin or Malaysian blend. [18:08] It looks clean. They have all the sanctions exclusions language in the Charter Agreement; the insurers, the reinsurers, and the P&I quotes have all established that the vessel cannot carry Iranian cargo. The documents say it's Omani or Malaysian, and off you go. [18:28] Then you get a call from the U.S. State Department or the Treasury Department saying you've got Iranian cargo on board. The U.S. Government typically knows that because they're using satellite tracking software. They know that the cargo was loaded by ship-to-ship transfer. [18:58] If you go back through the satellite imagery, you can see that it's happened probably two or three times, and when the vessel called on the Omani port that was supposed to be the source of the cargo, it came in at the same draft as it left. Calling on the port was clearly a ruse. [19:34] When you get to the financial payments, that's where you have the money laundering side, and you can see that the Omani seller of the cargo is just a front company with a brand new website, secretly run by the Revolutionary Guard. [19:56] Cari says that when we start talking about the compliance policies and procedures, it's not good enough just to rely on the Bill of Lading. The expectation is that you're going to be doing something a little deeper. [20:11] In 2019, the Department of Justice started to pursue a lot of ship owners and ship managers for carrying Iranian cargo. Sometimes it was Iranian cargo going to Venezuela or going to China. [20:32] In a decent batch of those cases, the ship owners or ship managers would be contacted by the U.S. Government and agree that the Government was right and ask what they could do not to get sanctioned. [20:51] Cari says there were a series of cases where the ships were brought to the U.S. and the cargo was sold by the U.S. Government, with the proceeds going to the Victims of Terrorism Fund, for parties who registered with the Special Master and were entitled to a pro rata share. [21:20] That was the U.S. Government's solution to what to do with all this cargo that they can seize, and they had been seizing, under the Foreign Terrorist Organization Statute. We're now seeing the same focus on the narcotics trafficking cartels in Mexico, Brazil, and Venezuela. [21:46] Cari says, You see the evolution of the U.S. Government's thinking over the years, how the Iranian oil cases are now relevant to countering narcotics trafficking caused by the cartels in South America. [22:00] Justin asks about supply chain risk and sanctions-related risks companies may overlook when they evaluate suppliers. Cari says the supply chain, particularly when you're dealing with raw materials or manufacturers coming out of China, has been an issue for a long time. [22:29] Cari says it's not difficult for a U.S. importer who's bringing in parts and components for widgets to know that their manufacturer or warehouse in China is who they say they are. That's easy enough. [22:48] Where we see issues is when the Chinese manufacturer subcontracts to second or third parties, who ostensibly are also compliant, but it becomes difficult in a more opaque jurisdiction like China to do the tracing down to the actual mine or source of the raw materials. [23:14] That leads up to the Uyghur Forced Labor Prevention Act (UFLPA), which has forced companies to look at supply chains where there's a Chinese component, for several years. [23:31] Where are the raw materials coming from? Do you know where all of the raw materials are coming from, or do you just know where some are? Under the UFLPA, companies were particularly focused on identifying those risks in China. [23:50] Cari says, under the first Trump Administration, and under the Biden Administration, you started to see a lot of companies moving away from sole-sourcing goods from China, specifically because of that risk. [24:02] The National Drug Control Strategy Report that came out in May 2026 is digging deep into supply chain issues. [24:13] It says two things: first, that the U.S. Government needs to act as a whole. The Departments of Justice, Treasury, and Homeland Security need to work together on tackling supply chain issues and addressing where the gaps are. [24:35] Supply chains are being exploited, not only by narcotics traffickers, but across the board. [24:41] The report is also telling businesses that it's not enough to have an OFAC sanctions compliance program where you screen your counterparties against the SDN list. [24:54] There's an expectation for businesses to go deeper, using analytics and AI, looking at their records, and knowing who the suppliers of their suppliers are. [25:17] The expectation is for businesses to step up their game, but also for the U.S. Government to partner with businesses to figure out how to do that. [25:35] Cari says we've also been telling other jurisdictions, like those in the Caribbean and South America, that this is a really good opportunity. [26:44] The first Trump Administration, the Biden Administration, and the second Trump Administration have said to stop sole-sourcing in China. Let's near-shore and friend-shore, and let's bring business and infrastructure back to the Western Hemisphere. [26:00] Cari says we're starting to see jurisdictions offer tax incentives for setting up manufacturing spaces, or finding ways to invest in the United States to bring back manufacturing. [26:14] Cari says the big issue of late has been how to bring shipbuilding back to the United States. Is there a way to do it in Latin America without relying on China as the major shipyard? [26:29] Those issues are interesting because they trigger a series of other questions: cost of labor, sourcing raw materials, and more. It's a longer-term problem. If you're building out your supply chain nose-to-tail, it's going to require a more transparent jurisdiction than China. [26:52] One more Quick Break! RIMS, The Foundation for Risk ManagementTM, is dedicated to shaping the future of the profession. By making a contribution, you are strengthening the global risk management community and investing in the future of the industry. [27:11] The Foundation also supports the Spencer Educational Foundation but has a different mission. The Foundation focuses on providing opportunities for those professionals who have already decided to enter risk management and are just getting started. [27:26] You can learn more about the Foundation by visiting www.RIMS.org/FRM.  While you're there, be sure to check out information about the Susan Meltzer Scholarship Fund, which was established to honor Ms. Meltzer, who was RIMS President in 1999 and 2000. [27:44] Susan Meltzer was a cherished RIMS President and contributed so much to RIMS and the greater risk community. Learn more at RIMS.org/FRM. [27:53] Let's return to our interview with Cari Stinebower! [28:14] Justin asks if other countries sanction the United States or U.S. companies. Cari says it has become a new trend. The jurisdictions doing it are China, with the National Security Law; Russia, identifying Hostile Jurisdictions that have imposed sanctions against Russia. [29:12] Cari says it's a quid pro quo. Ukraine has a sanctions program against entities that do business with Russia. Canada and Europe are well-known for their Blocking Statutes. [29:48] They have Antidote Sanctions that prohibit their nationals from complying with the U.S.'s Cuba Sanctions. Those jurisdictions see the U.S. sanctions on Cuba as territorial. There is a quid pro quo. [30:08] Sometimes it triggers conflict-of-law issues, and companies have to decide how and when they're going to comply with which set of sanctions. [30:46] Cari says, if you don't have a holistic view of which jurisdictions you're operating in, and where your U.S. nationals are located, there's no way to build out a robust, comprehensive sanctions program. [31:01] If you have a U.S. person located in or in a business position in Canada, you wouldn't want them dealing with the Canadian company's Cuba business. You need to know where they are located in advance so you can protect the U.S. person. [31:27] Justin notes that RIMS is a global society. Canada is the second-largest RIMS membership base. [31:40] Justin says there's so much due diligence to be done. You have to vet the company you're going to be doing business with and do your second- and third-tier supply chain risk management deep dive to make sure that everything is above board. [32:02] Cari says there are many examples where the Canadian Government has aggressively stepped up its sanctions components. The Canadian sanctions on Russian targets may be more aggressive than the U.S. or EU sanctions on Russia. [32:19] If you have a financial institution or insurance company based in Canada, but operating in the U.S. and the EU, because they're complying with the Canadian sanctions, they're blocking transactions that a U.S. party wouldn't have to block. [32:44] You want to know what the entire web of sanctions regulations is before you figure out who your business parties are and how you're going to navigate something. [32:55] Justin surmises that a small company without a dedicated risk professional would need to reach out to a company like Steptoe. Cari agrees; a lot of people will use a law firm and a consultant to build out their compliance programs or to do the risk analysis. [33:13] Cari says, then they will either find someone in-house or outsource it to a consultant or a specialist to keep costs down. [33:23]  Cari says, we also see this pop up in Mergers & Acquisitions. One of the things that is often difficult is that they will see the compliance function either as redundant or as a cost center, and not as a profit center. [33:47] The guidance is always: Don't save costs by getting rid of your Compliance function, because it will cost you money in the long run. But often, that is what you will see. [34:00] Justin brings up the Terrorism Risk Insurance Act (TRIA), a legislative priority for RIMS. RIMS sends an External Affairs Team to Capitol Hill every year to talk about TRIA with their Representatives in Congress. [34:19] Justin says RIMS helped lead the charge, over 20 years ago, to get TRIA passed into law. [34:30] The nature of terrorism risk has evolved since TRIA's enactment. Justin asks how risk managers should be thinking about terrorism exposure today, compared to when the program was established. [34:44] Cari says terrorism, like the narcotics traffickers, evolves. It's cash-intensive. There's more you can do now through technology, AI, cybersecurity, and cryptocurrency. [35:01] You can sit completely offshore and wreak havoc on the electrical grid or a utilities provider, or a financial institution, through cyberattacks or cybercrimes. It can be crippling if terrorists go after the grid. [35:28] Cari says we have seen an overlap between what could be a terrorist attack and what is more likely a ransomware grab, when they're going after smaller utilities located somewhere in the Midwest. That seems to be a trend. [35:45] They're not always sophisticated. You don't always know who the counterparties are. Going back to the Drug Control Strategy report, the Government is saying that there has to be a holistic approach to ransomware and cyberattacks. [36:03] A couple of years ago, the FBI and Homeland Security set up a task force to work with the utilities or other U.S. businesses that see themselves faced with a ransomware attack that is either just for the money or is something more nefarious. [36:24] Cari says, if the question is, is it terrorism or is it something else, but the way you would attack it would be the same if you're the utilities manager; it doesn't matter if it's terrorism or cybercrime. [36:48] You've got to work with law enforcement to protect your infrastructure, to figure out whether you're going to pay the ransom or not, so that you can protect your customers' data. [37:02] It's up to the Government to figure out who the illicit party was. Is it a hacker group sitting in Russia? Is it a terrorist group? Why were they doing it, and how do you stop it from happening in the future? [37:18] If you're the Business Manager or the Compliance Officer, you need to build in your risks, your risk mitigation strategies, redundancies, and backup servers that are not connected. The problem for you isn't: Is this a hacker or a terrorist doing this to me? [37:53] Cari says there are many insurance working groups. We've worked with clients, some of these groups, and the U.S. Government to come up with language that makes sense. We see it in the context of Iran or Russia, or with respect to language for War Risk in the Strait of Hormuz. [38:32] Cari says, The partnership between the insurers, reinsurers, brokers, and Government is pretty deep. [38:41] These working groups have been around for a long time because insurers, brokers, and reinsurers need buy-in from the Government to get assurances that the language they're putting out there is enough to get them out of trouble if they're acting in good faith. [39:00] Generally, everyone is, but you want that nod from the Government that what you've done is sufficient from the Government's perspective. [39:37] Cari's advice to risk professionals in August 2026: The most important thing is that the risk professionals and the business units know and trust each other. [39:47] Cari continues: A risk professional isn't going to be able to build out a compliance program that works unless they know what the business units are up to and what the business priorities are, and they have the trust of the business professionals. [40:05] Some critics warn that you don't want the compliance person to become a captive of the business units, driven by profit rather than compliance. Cari says the business compliance person needs the business unit and the compliance unit to work hand in glove. She explains it. [40:46] Cari says we've seen this a lot with all of these businesses jumping into the Venezuela market. There's a lot of business upside but also a lot of risk. It may not be that there's a sanctions risk, but the longer-term risks are the money-laundering and corruption risks. [41:26] Cari asks what happens ten years from now? If you're a compliance officer, you need to understand the upside to the business, which is lots of profit, but when you're drafting contracts and working with the business unit, how are you mitigating the risk that's five or 10 years out? [41:44] Cari says the only way you do that is if the compliance and business units have a certain amount of trust and respect for each other. [41:57] Cari says the Compliance Officer is not always the Risk Manager. Some businesses will have it siloed; some will have someone embedded. In some cases, there's no compliance person. They throw it onto a legal officer, and the legal officer can be spread fairly thin. [42:13] Cari says you can work through trade associations to understand industry risk. You can hire consultants. You can hire law firms. The benchmarking is incredibly important to understand not only the opportunity but also the appropriate risk. [42:49] Justin says this has been one of the most informative RIMScasts we've had in a while. I'm so glad we got a chance to tackle this topic. Cari, thank you so much for joining us here on RIMScast! [42:45] Special thanks again to Cari Stinebower of Steptoe for joining us here on RIMScast! A link to her LinkedIn profile is in this episode's show notes. [42:58] I have links on this episode's show notes to other RIMS coverage on sanctions, geopolitical tensions, and related supply chain risk. Also visit RMMagazine.com. [43:08] Plug Time! Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [43:26] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [43:42] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [43:56] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [44:08] Practice good risk management, stay safe, and thank you again for your continued support!   Links: Spencer Educational Foundation's 2026 Funding Their Future Gala | Sept. 17, 2026 ChicagoLand Risk Forum | Sept. 24, 2026 RIMS Certification Week: Sept. 21‒24 | Complimentary For All RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today. 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RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Cari Stinebower, Partner, Steptoe   Production and engineering provided by Podfly.

Você já sentiu vontade de fechar as redes sociais ou evitar certas conversas para não estragar o clima em família ou perder uma amizade? No cenário político em que vivemos, parece que fomos empurrados a escolher uma trincheira e tratar qualquer pessoa que pense diferente de nós como um oponente a ser vencido. Mas e se existisse um caminho onde convicções profundas não precisassem destruir o respeito e o afeto?Em Marcos 12, Jesus foi encurralado por dois grupos políticos rivais que queriam obrigá-lo a escolher um lado. Em vez de tomar partido de qualquer um deles, Ele deu uma resposta revolucionária: lembrou que governos podem até cobrar impostos do nosso bolso, mas apenas Deus tem direito à nossa vida e ao nosso coração. Jesus recusou os rótulos da sua época e mostrou que a nossa fidelidade ao Reino de Deus deve estar sempre acima de ideologias partidárias.Nesta mensagem, conversamos de forma aberta sobre como se engajar pelo bem do Brasil sem perder a doçura e a capacidade de amar. Assista ou ouça agora a pregação "Pátria Amada" e descubra como é possível ter opiniões firmes, discordar politicamente e, ainda assim, amar incondicionalmente.VEM COM A GENTE!O vídeo dessa mensagem está disponível também no nosso canal do Youtube: https://youtube.com/live/K6VBzgrlu6QPara acompanhar tudo o que está acontecendo no Luzeiro, acesse nosso site! https://somosluzeiro.com.brSe quiser contribuir com a gente, a chave PIX é contato@somosluzeiro.com.br, e os outros dados para contribuições estão disponíveis neste link: https://qrfacil.me/QCl5ZuEZ #somosluzeiro

Daniela Santos e Eduardo Soares, representantes da Comissão Organizadora da Semana da Pátria de Santa Cruz, participaram do programa Direto ao Ponto para apresentar a programação da Semana da Pátria, que ocorre de 1º a 7 de setembro, com os principais eventos concentrados na Praça da Bandeira.

Daniela Santos e Eduardo Soares, representantes da Comissão Organizadora da Semana da Pátria de Santa Cruz, participaram do programa Direto ao Ponto para apresentar a programação da Semana da Pátria, que ocorre de 1º a 7 de setembro, com os principais eventos concentrados na Praça da Bandeira.

Carmen Koehler, patrona da Semana da Pátria de Santa Cruz, participou do programa Direto ao Ponto para falar sobre a homenagem recebida na programação da Semana da Pátria e sua trajetória ligada ao escotismo.

Carmen Koehler, patrona da Semana da Pátria de Santa Cruz, participou do programa Direto ao Ponto para falar sobre a homenagem recebida na programação da Semana da Pátria e sua trajetória ligada ao escotismo.

In this episode of Roofing Road Trips®, host Heidi Ellsworth sits down with Rick Olson, President of the Tile Roofing Industry Alliance (TRIA), to discuss the role training plays in successful tile roofing projects. From industry standards and evolving codes to workforce development and contractor education, Rick shares why proper installation knowledge can make a significant difference on the roof. Whether you're new to tile roofing or looking to sharpen your team's expertise, this conversation offers valuable insights every roofing contractor should hear. Learn more at RoofersCoffeeShop.com!  https://www.rooferscoffeeshop.com/   Are you a contractor looking for resources? Become an R-Club Member today! https://www.rooferscoffeeshop.com/rcs-club-sign-up   Sign up for the Week in Roofing!  https://www.rooferscoffeeshop.com/sign-up   Follow Us!   https://www.facebook.com/rooferscoffeeshop/  https://www.linkedin.com/company/rooferscoffeeshop-com  https://x.com/RoofCoffeeShop  https://www.instagram.com/rooferscoffeeshop/  https://www.youtube.com/channel/UCAQTC5U3FL9M-_wcRiEEyvw  https://www.pinterest.com/rcscom/  https://www.tiktok.com/@rooferscoffeeshop  https://www.rooferscoffeeshop.com/rss  #RoofersCoffeeShop #MetalCoffeeShop #AskARoofer #CoatingsCoffeeShop #RoofingProfessionals #RoofingContractors #RoofingIndustry #TRIAlliance, #TRIA

In this episode of Roofing Road Trips®, Heidi J. Ellsworth is joined by Rick Olson with the Tile Roofing Industry Alliance (TRIA) to talk about the important role TRIA plays in supporting contractors and advancing the tile roofing industry. From training programs and certifications to code-approved installation methods, the conversation explores how TRIA helps roofing professionals stay informed, competitive and up to date with evolving industry standards. They also dive into TRIA's new maintenance manual, discussing what inspired its creation, how it can simplify maintenance and repair work for contractors and where professionals can access the manual and upcoming training opportunities. Tune in to learn how TRIA is helping contractors strengthen their tile roofing expertise, streamline maintenance practices and stay ahead in a changing industry. Learn more at RoofersCoffeeShop.com!  https://www.rooferscoffeeshop.com/   Are you a contractor looking for resources? Become an R-Club Member today! https://www.rooferscoffeeshop.com/rcs-club-sign-up   Sign up for the Week in Roofing!  https://www.rooferscoffeeshop.com/sign-up   Follow Us!   https://www.facebook.com/rooferscoffeeshop/  https://www.linkedin.com/company/rooferscoffeeshop-com  https://x.com/RoofCoffeeShop  https://www.instagram.com/rooferscoffeeshop/  https://www.youtube.com/channel/UCAQTC5U3FL9M-_wcRiEEyvw  https://www.pinterest.com/rcscom/  https://www.tiktok.com/@rooferscoffeeshop  https://www.rooferscoffeeshop.com/rss  #RoofersCoffeeShop #MetalCoffeeShop #AskARoofer #CoatingsCoffeeShop #RoofingProfessionals #RoofingContractors #RoofingIndustry #TRIAlliance, #TRIA

Os visitantes do Panteão da Pátria vão desfrutar agora de uma nova experiência imersiva inspirada na história da enfermeira Anna Néri, primeira mulher inscrita no Livro dos Heróis e Heroínas do Brasil. A jornalista Nita Queiroz tem as informações.

Verdade ou mentira? Fica cada vez mais difícil distinguir o que é real e o que é IA. Mas não tema! Renata veio pra te ajudar. Para se tornar apoiador:Apoia.se: https://apoia.se/pacriminal Ou apoie na Orelo: https://orelo.cc/podcast/603ce78538a4f230cbd37521 Temos um canal no YouTube, com vídeos exclusivos todos os domingos: https://www.youtube.com/channel/UCac9ZupbqFakPcL5CQgpUoQ PIX: patriaamadapod@gmail.comEscrito e apresentado por Natália Salazar e Renata SchmidtProdução: Natália Salazar e Renata SchmidtEdição: Natália SalazarMúsica: Felipe SalazarArte: Matheus Schmidtiupokjøl,m-.< GE-mail: patriaamadapod@gmail.comIG: @pacriminal Lojinhas do PAC: https://umapenca.com/pacriminal/ https://www.redbubble.com/people/PatriaAmada/shop?asc=uSee omnystudio.com/listener for privacy information.

Flávio Bolsonaro enviou documento oficial ao governo dos Estados Unidos pedindo a suspensão das tarifas de 25% sobre produtos brasileiros, mas só até as eleições.A jogada foi imediata: Lula chamou a família Bolsonaro de "traidores da pátria" e analistas do Antagonista avaliaram o erro estratégico. Pré-candidato à presidência ou cabo eleitoral do petista?O debate é tenso e sem resposta fácil. Assine o canal e ative o sininho para não perder nada.Meio-Dia em Brasília traz as principais notícias e análises da política nacional direto   de Brasília.     Com apresentação de José Inácio Pilar e Wilson Lima, o programa aborda os temas mais quentes do cenário político e econômico do Brasil.     Com um olhar atento sobre política, notícias e economia, mantém o público bem informado.    Transmissão ao vivo de segunda a sexta-feira às 12h no nosso canal do Youtube.  https://www.youtube.com/@OAntagonista  Apoie o jornalismo independente. Assine O Antagonista e Crusoé com 10% via Pix ou Google Pay:  https://assine.oantagonista.com.br/   Siga O Antagonista no X:  https://x.com/o_antagonista   Acompanhe O Antagonista no canal do WhatsApp. Boletins diários, conteúdos exclusivos em vídeo e muito mais.  https://whatsapp.com/channel/0029Va2SurQHLHQbI5yJN344  Inscreva-se no canal, ative as notificações e deixe sua opinião nos comentários!  Leia mais em www.oantagonista.com.br | www.crusoe.com.br #Flávio #Bolsonaro #Trump #Lula #traidores #pátria #podcast #política #internet #youtube #áudio #notícias #debate #governo #repercussão #análise #tendência #oposição #diplomacia #atualidades

Co zaskakuje szefa Szpitalnego Oddziału Ratunkowego po 20 latach pracy. Dlaczego zadawanie pytania "Jak długo będę czekał" na SORze kompletnie nie ma sensu. Co dzieje się na oddziale, gdy wydaje się, że nic się nie dzieje. Dlaczego dla lekarza adrenalina jest zła, a ADHD nie do końca. Jak pogoda i dzień tygodnia wpływają na ruch na oddziale ratunkowym i jak przygotować się do wizyty. Ilu pacjentom, zgodnie z polskim prawem, SOR mógłby odmówić pomocy. Jakie seriale o lekarzach warto oglądać i dlaczego akurat ten jeden jest najlepszy. Oraz o tym ile może, a ile zarabia lekarz medycyny ratunkowej, o dylemacie: wzywać karetkę czy jechać do szpitala, o telefonach od bliższych i dalszych znajomych, o tym, że są szpitale, w których praca może być niebezpieczna + poradnik: jak rozpoznać zły SOR. (fot. Katarzyna Lasota) // Patryk Konieczka // lekarz medycyny ratunkowej, kierownik Szpitalnego Oddziału Ratunkowego Uniwersyteckiego Szpitala Klinicznego w Poznaniu, z-ca kierownika SOR Wielkopolskiego Centrum Pediatrii, Członek Zarządu Polskiego Towarzystwa Medycyny Ratunkowej, Prezes Zarządu Porozumienia Lekarzy Medycyny Ratunkowej -------- Wesprzyj nas. Pomożesz tworzyć podcast i zmienisz świat: - abonament, czyli duża wdzięczność: www.patronite.pl/drugawersja - kawka w podziękowaniu za odcinek: www.buycoffee.to/drugawersja -------- My na www: www.drugawersja.pl  My na Spotify: https://spoti.fi/3MWjX9v My na fejsie: www.facebook.com/drugawersja My na YT: https://www.youtube.com/@podcast_poznanski My na insta: www.instagram.com/druga.wersja My na tiktoku: https://www.tiktok.com/@drugawersja  

A nossa pátria está nos céus - Pr. Patrick Wiemer by Igreja Missionária Evangélica Maranata de Caxias Para conhecer mais sobre a Maranata:Instagram: https://www.instagram.com/imemaranata/Facebook: https://www.facebook.com/imemaranataSite: https://www.igrejamaranata.com.br/Canal do youtube: https://www.youtube.com/channel/UCa1jcJx-DIDqu_gknjlWOrQDeus te abençoe

El Club Marina Casinet acollirà el pròxim dilluns la presentació de ‘El destí i la tria', la primera novel·la del metge Jordi Coderch. L'obra suposa el debut de l'autor en el terreny de la ficció i combina una trama de misteri amb una reflexió sobre qüestions com l'Alzheimer, el dret a morir dignament, les addiccions o l'explotació de persones. La novel·la segueix la història d'en Martí, un apassionat dels viatges que treballa per a una agència turística i que, durant una estada al Vietnam, pateix un accident tan inesperat com difícil d'explicar. Paral·lelament, rep la notícia de la mort sobtada de la seva mare, que es trobava en una fase avançada d'Alzheimer. El retorn a casa per afrontar aquesta situació el portarà a retrobar-se amb persones del seu passat i a intentar resoldre diversos interrogants que es despleguen al llarg del relat. Més enllà de l'argument, Coderch utilitza la història per plantejar una reflexió sobre la relació entre el destí i la capacitat de decisió de les persones. De fet, el títol fa referència a aquest dilema entre les circumstàncies que la vida imposa i les opcions que cadascú té per afrontar-les. «Cadascú ha de tenir l'opció de triar allò que vol fer amb la seva vida, fins i tot al final de la vida» Jordi Coderch Aquesta mirada pren especial protagonisme en l'abordatge de l'Alzheimer i en les decisions vinculades al tram final de la vida. L'autor ha explicat que la novel·la neix de la voluntat d'explorar una nova forma de comunicació després d'anys dedicat a la divulgació sanitària i a les publicacions científiques. «Tenia l’autorrepte de ser capaç de fer-ho també en forma de ficció per arribar a un altre públic i explicar les coses d’una altra manera», assenyala. En aquest sentit, el doctor Jordi Coderch reconeix que una de les principals fonts d'inspiració ha estat la malaltia de la seva mare, que va conviure durant més de vint anys amb l'Alzheimer. Aquesta experiència personal, sumada a la seva trajectòria professional, l'ha portat a reflexionar sobre l'impacte de la malaltia en les famílies i sobre la necessitat de parlar obertament del final de la vida. De fet, l'autor assegura que va poder comprovar de primera mà com «és molt important poder preparar-se per aquesta etapa final» i decidir determinades qüestions mentre la persona encara conserva la capacitat de fer-ho. «L'Alzheimer té una evolució cruel fins al punt que arriba un moment que la persona ja no és persona» Jordi Coderch L'obra també incorpora una dimensió solidària. Els beneficis que es derivin de la seva venda es destinaran a la Fundació Pasqual Maragall i a l'Associació Dret a Morir Dignament, dues entitats vinculades directament als temes que aborda la novel·la i amb les quals l'autor col·labora habitualment. La presentació de ‘El destí i la tria' tindrà lloc el proper dilluns, 15 de juny (19h) al Club Marina Casinet de Lloret de Mar. Durant l'acte, Jordi Coderch explicarà el procés de creació de la seva primera novel·la i aprofundirà, juntament amb el divulgador cultural Sebastià Goday.

Foi apresentado em finais de Maio em Paris, o terceiro e último volume do livro "Memórias em tempo de amnésia" de Álvaro Vasconcelos, especialista de relações internacionais e voz bem conhecida das nossas antenas. Nesta obra em três partes, o autor relata as épocas que atravessou, o salazarismo, o colonialismo português em África, nomeadamente em Moçambique onde viveu, os anos de militância política na África do Sul, em França e em seguida em Portugal, onde regressou na altura do 25 de Abril. No terceiro volume das suas memórias intitulado "O futuro para além do apocalipse", Álvaro Vasconcelos recorda a conquista da independência das ex-colónias, assim como os primórdios da democratização de Portugal e a sua adesão à União Europeia. O antigo director do Instituto de Estudos de Segurança da União Europeia e fundador em Portugal do Instituto de Estudos Estratégicos e Internacionais também evoca a viragem autoritária a que se assiste actualmente em várias partes do mundo, a que ele chama de «brutalismo» e que tem a ver com a corrente 'tecno-totalitarista', encabeçada nomeadamente por alguns magnatas da Silicon Valley. Álvaro Vasconcelos fala também da urgência ambiental, da urgência de não nos esquecermos que somos humanos, numa época em que tendemos a colocar tudo nas mãos da Inteligência Artificial. No fundo, ele fala da urgência de pensarmos. Neste livro denso que é uma chamada de atenção, ele começa cada capítulo com uma espécie de guião de filme e fala com um gosto não dissimulado de todas as fitas que o fizeram reflectir de outra forma sobre o mundo, porque este texto, ainda mais do que os anteriores, é uma declaração de amor à sétima arte. E evidentemente não podíamos deixar de falar -antes de mais- da importância que o cinema tem para Álvaro Vasconcelos. "O cinema é algo que me formou porque eu vivia na África colonial, na Beira, em Moçambique. E como era lá no fundo do Império, a ditadura era certamente muito mais suave para os brancos, para os negros era mais brutal do que em Portugal era para os portugueses. E os brancos da cidade da Beira, onde eu vivia, tinham acesso ao Cineclube da Beira, às grandes obras do cinema mundial, por exemplo, nós vimos o ‘Couraçado Potemkin', que em Portugal era absolutamente proibido. (…) E como o cinema, começamos a vê-lo mesmo muito, desde muitos miúdos, não só nos cineclubes, os cinemas eram a maravilha da época, era aquilo que nos educava, nos abria novos horizontes, que nos fazia rir com Charlot, com os irmãos Marx, que nos ensinava os problemas graves do mundo, como ‘Hiroshima mon amour', o neo-realismo italiano, ‘Os ladrões de bicicletas', etc. Evidentemente que o cinema teve para a minha geração e em particular para aquela que viveu no Império, mas não só, também também em Portugal, um impacto enorme, portanto, foi formativo. E ao escrever o último livro da minha trilogia, senti a necessidade de fazer um livro que fosse mais de reflexão que apenas descritivo da minha vida e de reflexão. Não sou filósofo, portanto, não podia ser uma reflexão filosófica. Mas era uma reflexão à volta das ideias que são veiculadas pelo cinema, que foram veiculadas pela grande literatura que eu li desde miúdo, que sempre me apaixonou e continuo a ler e que me ensinou imenso sobre o mundo. Eu descobri muitas coisas no cinema e na literatura que não era capaz de descobrir com o mesmo grau de profundidade dos ensaios", explica o autor. Nas suas memórias, Álvaro Vasconcelos fala da época colonial e também de uma descolonização das mentes que ainda não foi totalmente feita. "Em África, descobri a violência colonial e que a palmatória é um símbolo absoluto dessa violência. Palmatória com que iam castigar os empregados negros por coisas, não importa o quê. Mas mesmo que fossem coisas graves, era a mesma palmatória que era usada contra os escravos, como eu vi no Museu Afro-Brasileiro, em São Paulo. Infelizmente não temos em Portugal, nenhum museu sobre a escravatura. Temos um pequeno museu em Lagos, mas não temos um grande museu, como têm os brasileiros. E essa palmatória era usada também pelo professor primário para nos manter. Identifico a violência brutal de que era vítima pelo professor primário, que tinha um poder absoluto sobre mim, com a violência, de que eram vítimas os negros, que não tinham direitos nenhuns, nem direito à vida. E para que isso pudesse ter acontecido, foi preciso criar uma narrativa de que eles não eram gente civilizada. E essa narrativa perdurou no pós 25 de Abril, porque nunca se fez um trabalho verdadeiro de descolonização das mentalidades. E hoje, quando os imigrantes são tratados como são tratados com desumanidade, é porque não são considerados humanos iguais a nós. E como não são considerados humanos iguais a nós, podem ser vítimas da arbitrariedade. Não têm os direitos iguais. Isso é uma questão fundamental", considera o estudioso. "Quando se deu o 25 de Abril, podia-se ter feito uma coisa extraordinária e teria ficado para a história. Era considerar que toda a gente que reside em Portugal tem os mesmos direitos. Há um país no mundo em que isso, pelo menos já acontece, que é na Nova Zelândia. E, portanto, se os imigrantes tivessem o direito do voto, seriam tratados de forma completamente diferente ", diz ao referir que, em vez disso, "são vítimas da desigualdade mais absurda da escravatura às vezes da violência da morte no Mediterrâneo. Em vez de irem socorrer, acham que é uma forma dissuasiva que eles morram no Mediterrâneo. Isso, evidentemente, é feito posto em prática por políticos democráticos, mas evidentemente que estão a abrir o caminho à extrema-direita que fará disso uma doutrina de poder." No capítulo que reserva a estes aspectos, o autor escreve que “o silêncio sobre a verdadeira natureza do colonialismo é um dos grandes fracassos da democracia portuguesa” e que “a Europa assumir que o colonialismo foi um crime contra a humanidade tornaria o seu discurso sobre a democracia muito mais legítimo.” "O 25 de Abril foi uma revolução extraordinária. Libertou os portugueses da ditadura e criou um sistema de liberdades públicas, de Estado de Direito. Isso deve ser sublinhado e eu sublinho no livro, porque é único no século XX, uma revolução que não foi só uma libertação, mas trouxe a liberdade. Podemos pensar, por exemplo, que a Revolução de Outubro libertou os russos do Czarismo, que era um regime terrível. Mas não construiu um regime de liberdade. Isso aconteceu em Portugal. Simplesmente, Portugal era ao mesmo tempo uma ditadura e um império. E quando se construiu a democracia, fez-se um trabalho mais ou menos profundo sobre o que era a ditadura, o que é que era o fascismo. Existem vários museus, o Museu do Aljube, um museu em Peniche, existe um trabalho de memória. Existem nos livros de História. Conta-se o 25 de Abril, todo esse passado ditatorial. As pessoas sabem que houve a tortura, que havia a PIDE, que as pessoas não tinham direito à palavra. Tudo isso faz parte da memória colectiva dos portugueses", constata Álvaro Vasconcelos. "O que não se fez nenhum trabalho. O que é que era o colonialismo? Não se explicou o que é que era a tortura em África, o que era o trabalho forçado. Qual era a origem que isso tinha na escravatura? Manteve-se um mito do lusotropicalismo, ou seja, que Portugal tinha contribuído para criar um mundo diferente, um mundo não racista, um mundo multiétnico. Até se dizia isso : ‘Deus criou os homens e os portugueses criaram as mulatas' escondendo que as mulatas nasciam muitas vezes de actos de violação absoluta, porque as mulheres negras não tinham direitos e, portanto, o senhor tinha um direito de pernada sobre a mulher negra. Isso acontecia frequentemente. Eu, aliás, entrevistei para um dos meus livros uma senhora africana que conta exactamente a história de uma mulher que, depois do 25 de Abril, andava à procura do homem branco, que tinha sido o pai dos seus filhos e que o homem branco tinha desaparecido. Tinha regressado a Portugal e que nunca mais soube dele. E as crianças queriam conhecer o pai. Mas isto é um caso de uma pessoa que se movimentou. A maior parte das vezes ficaram e são vítimas de toda a discriminação. Isso é o aspecto em que o 25 de Abril não fez esse trabalho", diz o politólogo. "Quando em Portugal surge um movimento de sociedade civil poderoso, hoje formado por intelectuais afro-descendentes que defendem o direito à igualdade, que tem voz no espaço público, quando nos lembramos, por exemplo, da Joacine Katar Moreira que foi deputada na Assembleia da República, a campanha racista contra ela. No Parlamento, a extrema-direita dizia ‘Volta para o teu país'. Estou a falar numa deputada, membro do Parlamento. Mas depois as intelectuais todas que são superactivas na sociedade portuguesa, que é aquilo que há hoje de mais vibrante na sociedade portuguesa, mais criativo. Publicam, fazem filmes como a Pocas Pascoal e outros. Ainda recentemente a Kitty Furtado organizou na Gulbenkian um ciclo sobre o cinema africano produzido em Portugal, com numerosos filmes, numerosos realizadores. Portanto, na Bienal de Veneza, há dois anos, a representação de Portugal foram artistas negros. Portanto, temos um movimento extraordinário. Esse movimento choca com esta mentalidade dominante. E então são acusados de serem ‘wokistas'. ‘Wokistas, quer dizer que são pessoas com consciência", sublinha o universitário. Relativamente às lições que se podem tirar do pós 25 de Abril, Álvaro Vasconcelos faz um balanço agridoce : apesar de considerar que “os seus objectivos essenciais foram atingidos: liberdade, fim do colonialismo e um estado inspirado nos modelos sociais europeus”, ele constara que “o que triunfou não foram os mecanismos que permitiriam compatibilizar a democracia liberal com o desejo de participação dos cidadãos (...) com o tempo, os partidos tornaram-se organizações fechadas (...) foram-se impondo como actores únicos do sistema politico”. "Portugal fez uma revolução que permitiu a existência de partidos políticos que não existiam antes. Mas a revolução, no momento em que ela aconteceu, despertou uma vontade de participação enorme na sociedade portuguesa. Todos os portugueses queriam participar na vida política pública. Eu próprio participei na criação de um jornal que era a voz do trabalhador e aquilo vendia-se como pãezinhos quentes. Quer dizer, toda a gente cria jornais. Toda a gente queria ler. Toda a gente fazia um pequeno comício. Enchiam-se de pessoas. Criaram-se cooperativas, associações de bairro, associações, moradores, associações agrícolas, movimentos cooperativos por todo o lado. Ao mesmo tempo, os partidos políticos foram-se consolidando como forças dominantes da sociedade portuguesa. E esses movimentos participativos foram vistos pelos partidos que acabaram por triunfar como movimentos que eram contrários à consolidação da democracia representativa liberal, como havia no resto da Europa. E foram desaparecendo. E o sistema político português ficou concentrado nos partidos políticos. Esses anos todos passaram e as pessoas hoje, como têm acesso às redes sociais, já têm outra forma de expressão, sem passar pelos partidos políticos. Exprimem-se nas redes sociais. Muitas vezes, o que dizem alguns? Nós não gostamos nada. Mas outras coisas dizem coisas correctas. Estes movimentos que eu referi, ecológicos, anti-racistas, de solidariedade social, também usam as redes sociais. Mas há muita gente que usa as redes sociais e que diz coisas horríveis. Mas não interessa, diz. Acha que tem direito à palavra. E acha que os partidos não dão direito à palavra. Então vão atrás de um demagogo que diz ‘Eu dou vos a palavra. Eles não vos dão a palavra'. Os partidos políticos são organizações fechadas. Em Portugal nunca se fez a regionalização, porque os partidos acharam que aquilo era fugir ao controlo central dos partidos de Lisboa. Era abrir o controlo da sociedade a nível regional. E tudo isso foi enfraquecendo a democracia portuguesa", comenta. “Foi nas redes sociais, espaço sem regras, que descobri que estávamos perante um brutalismo neofascista. O significado das palavras e a verdade deixaram de ser facilmente reconhecíveis. O algoritmo privilegia a violência verbal, exponencia o número de visões e partilhas. Acreditei – e escrevi –, depois das revoluções árabes de 2011, que as redes sociais tinham potencial de empoderamento dos cidadãos e poderiam ser um factor de emancipação democrática, mas hoje sou obrigado a constatar que não tive em conta a capacidade de manipulação, seja pelos algoritmos ou ainda mais pela IA, dos Estados e grupos que controlam as empresas da indústria do mundo virtual", escreve Álvaro Vasconcelos no capítulo que dedica ao regresso do que chama de 'brutalismo'. "A nível europeu, nós não podemos separar de um fenómeno mundial, que é aquilo que atravessa bastante o meu livro, que é a ideia do colapso do pensamento. E esse colapso do pensamento. O que significa que quando os homens deixam de pensar, diz Hannah Arendt, são capazes dos piores crimes. E esses homens são capazes dos piores crimes. E o homem banal, o homem comum que pode seguir um líder que vai destruir as suas liberdades e a liberdade dos outros. E isso pode se chamar ‘tecno-totalitarismo'. Porquê tecno-totalitarismo? Porque grande parte da economia mundial hoje está a ser dominada pelas grandes empresas tecnológicas. Estamos numa nova revolução tecnológica. E as grandes empresas tecnológicas que dominam a inteligência artificial, que dominam as redes sociais, como o Musk, é o exemplo mais claro, defendem aquilo que eu chamei de ‘tecno-totalitarismo'», explica o autor das "Memórias em tempo de amnésia". "Há uma politóloga francesa, Asma Mhalla que diz que ‘este século não vos proíbe de pensar. Ele ocupa-vos até que já não se saiba como fazer. Isto vem, como eu digo aqui no livro, do desenvolvimento da Inteligência artificial. O desenvolvimento da inteligência artificial cria um mundo onde os humanos deixam de pensar. A banalidade do mal passa a ser a norma. Isso acontece em muitos actos quotidianos. Quando recorremos à inteligência artificial para tomarmos decisões. Quando manipulados por algoritmos, ficamos de tal forma hipnotizados que somos levados a acreditar nos líderes populistas como Trump, como Bardella em França como em Portugal, o André Ventura, como Bolsonaro no Brasil", diz Álvaro Vasconcelos. "Há um aspecto deste ‘tecno-totalitarismo' que também nos deve inquietar, que é menos presente em França, mas está presente em muitos países, que é a relação dele com uma determinada corrente religiosa. Ele é religioso na sua essência, porque ao mesmo tempo, fala de Apocalipse, destruição do mundo pelo aquecimento global, pela guerra nuclear e está a propor uma solução tecnológica para estes problemas. Ora, isto é típico da crença religiosa. A ideia do Apocalipse, se pensarmos no apoio dos evangélicos americanos a Trump e em cenas em que Trump se reúne com os evangélicos e os evangélicos rezam na Casa Branca a volta do Trump ou quando o Bolsonaro tomou posse rodeado pelos evangélicos, a primeira coisa que fizeram, foi um ato religioso. (…) Vemos que o ‘tecno-totalitarismo' muitas vezes é também uma ‘tecno-teocracia'. E, portanto, esse problema, que é um problema mundial, que é da criação do mundo em que os homens deixam de pensar, a inteligência artificial substitui o pensamento humano. É um mundo em que o brutalismo, que é o tema do meu livro, se torna possível. É possível que o Trump decida destruir o Irão, que o Netanyahu faça o genocídio de Gaza e agora esteja a fazer no Líbano o que fez em Gaza, no sul do Líbano. É exactamente a mesma coisa. Vai destruir o sul do Líbano completamente", diz o especialista em relações internacionais. No capítulo em que aborda o que chama de dever de hospitalidade, Álvaro Vasconcelos considera que é neste aspecto que a Europa pode fazer a diferença "para superar o brutalismo contemporâneo, porque, por um lado, é uma das regiões do mundo onde as democracias ainda resistem ao assalto da extrema‑direita neofascista, e por outro porque a hospitalidade é a essência da sua sobrevivência". "Estamos a falar da União Europeia, a que se podem juntar alguns Estados, como a Noruega, como hoje o Brasil do Lula. Têm a mesma ambição de escapar ao brutalismo de Putin, Trump, Netanyahu, ao ‘tecno-totalitarismo' que domina a China. Verdadeiramente o único sítio do mundo em que ainda há um grupo de Estados que pode e quer resistir é na União Europeia, mas que tem estes aliados muito importantes que tem que procurar no Canadá, já procura no Brasil. Por isso, o acordo com o Mercosul é tão importante, apesar de a Argentina do Milei estar completamente na mesma linha de brutalismo. Mas o Brasil é um país importantíssimo. Na Ásia, o Japão, a Coreia do Sul. (…) Portanto, a Europa é a nossa esperança. Mas para que essa esperança não passe de uma utopia não realizada, para ser uma utopia realizada, é preciso que a Europa integre toda a sua vitalidade num projecto comum, (…) é preciso uma mudança radical de política. Ou seja, é preciso uma política que seja alternativa à política da extrema-direita. Claramente. E o que é que se deve fazer? Os imigrantes que são grande parte da população europeia ou originários na imigração devem ser cidadãos plenos, activos, integrados nas nossas sociedades, dando-lhes o voto. Aqueles que ainda não têm, damos-lhe a palavra, ouvindo-os e tornando as nossas democracias muito mais participativas", preconiza o autor. No seu livro, Álvaro Vasconcelos estabelece um elo directo entre o ‘tecno-totalitarismo', a negação dos direitos de boa parte da humanidade e a destruição do meio ambiente. "Um dos temas que eu acho que é muito importante é a questão do ambiente. Eu, aliás, começo o meu livro com uma citação do Camus que diz ‘A minha geração quis mudar o mundo. Não o mudou, mas pelo menos lutou para preservar o que de melhor tinha sido conquistado'. (…) O aquecimento global está a ser um problema gravíssimo que pode pôr em causa a vida na terra. E aí é lembrarmo-nos de Edgar Morin, um grande pensador. Eu cito Edgar Morin dez ou 15 vezes no meu livro. Ele diz que nós não estamos só perante um mundo que destrói a vida humana. Estamos num mundo em que a globalização foi extremamente destrutiva do ponto de vista económico e social. Criou também a consciência de um destino comum da humanidade a consciência de que estamos todos no mesmo barco. Ou seja, no barco da vida. Nós sabemos que a vida não é eterna. Mas enquanto estamos no barco da vida, não vamos cair no niilismo. Nem vamos cair na melancolia de esquerda. Isto é uma conclusão que alguém tirou do meu livro que eu sou contra a melancolia de esquerda. A melancolia de esquerda é nós pensarmos em tudo aquilo por que a gente lutou está a desaparecer e já não podemos fazer nada. Vai tudo acabar. Vai acabar a democracia, a liberdade. Vai voltar o racismo como política de Estado. Vai desaparecer a ordem internacional. Vai desaparecer o multilateralismo", diz o universitário. "Estamos perante uma guerra cultural. É um tema central, porque a guerra cultural é algo que acompanha a civilização europeia desde o Iluminismo e desde a Revolução Francesa. Houve sempre uma corrente que se opôs às conquistas de liberdade, igualdade, fraternidade da Revolução Francesa. Considerou sempre que a compaixão pelo outro não fazia nenhum sentido, que o homem era um animal fundamentalmente egoísta e violento E que tinha que ser treinado desde criancinha para a competição. E por isso, a cooperação não é uma questão fundamental da aprendizagem. As pessoas não aprendem a cooperar, aprendem a competir. Já vimos no sistema escolar como é terrível a competição. A infância nas grandes escolas. O que é que é difícil chegar lá acima. Portanto, formam-se elites que foram treinadas para a competição e não foram treinadas para a cooperação. E se nós não cooperarmos neste barco da vida, se não percebermos que o clima não tem fronteiras, que o aquecimento é global, que os calores do Norte de África chegam à Europa, que as transformações da Amazónia transformam as correntes do Atlântico e nos atingem também como europeus. Então não perceberemos que estamos todos no mesmo mundo. Mundo, terra, pátria, como diz o Edgar Morin. E que neste mundo, terra pátria, nós somos todos cidadãos, mesmo quando não somos considerados cidadãos", conclui Álvaro Vasconcelos.

Hoje, ‘No Pé do Ouvido, com Yasmim Restum, você escuta essas e outras notícias: Senado suspende resolução que regulamenta aborto legal em menores. Mensagens mostram que filme de Bolsonaro virou prioridade financeira para Vorcaro após cobrança de Flávio. Polícia Federal desarticula quadrilha que usava falsas centrais 0800 para se passarem por bancos. França e Noruega registram primavera mais quente de suas histórias. E cientistas descobrem bactéria capaz de criar DNA do zero.See omnystudio.com/listener for privacy information.

El Club Marina Casinet acollirà el pròxim 15 de juny la presentació de ‘El destí i la tria’, la primera novel·la del metge Jordi Coderch. La novel·la aborda qüestions sensibles com l'Alzheimer, el dret a morir dignament, les addiccions o l'explotació de persones. Uns temes que, tal com reconeix el mateix autor, parteixen tant de la seva experiència professional com de vivències personals molt properes. En aquest sentit, descriu especialment l'impacte que li va provocar conviure amb la malaltia de la seva mare i veure “l'evolució cruel” de l'Alzheimer fins al punt que “la persona ja no és persona”. Després d'anys escrivint textos de divulgació sanitària i publicacions científiques, Coderch s'endinsa ara en el terreny de la ficció. L'autor explica que el projecte neix de la necessitat d'experimentar “amb una nova manera de comunicar-me”, aprofitant també una etapa vital amb més temps i llibertat creativa després de la jubilació. El rerefons emocional que li brinda l’experiència es combina amb una trama de ficció que incorpora elements d'intriga i tensió narrativa. Coderch apunta que no es tracta d'un thriller en sentit estricte, però sí d'una història que “manté una línia argumental” i va “destapant temes” a mesura que avança el relat. L'objectiu, diu, és que el lector també es plantegi preguntes i trobi “les seves pròpies respostes”. Més enllà de la vessant literària, el projecte té també un component solidari. Els beneficis de la venda del llibre es destinaran a l'Associació pel Dret a Morir Dignament i a la Fundació Pasqual Maragall. L'autor assegura que no ha escrit la novel·la “per guanyar-me la vida”, sinó amb la voluntat de compartir inquietuds i donar suport a dues entitats que treballen directament els temes que tracta l'obra. La presentació del llibre servirà per donar a conèixer aquesta primera incursió narrativa de Jordi Coderch. La cita és oberta al públic i tindrà lloc al Club Marina Casinet el proper 15 de juny (19h).

Rassegna stampa economico-finanziaria del 23 Maggio 2026, strutturata per macro-temi e basata sulle principali testate giornalistiche nazionali.  Investimenti e MercatiTestate: Corriere della Sera / Il Foglio / Milano Finanza* Hormuz resta il principale rischio di mercato. Il Corriere evidenzia che il blocco dello Stretto ha già generato per l'Europa un aggravio di circa 42 miliardi di euro sulla bolletta energetica in tre mesi. Da Hormuz passa circa un quinto del petrolio mondiale; prima della crisi transitavano oltre 100 navi al giorno, ora il traffico è quasi azzerato. Il Brent è indicato sopra area 100 dollari, con punte oltre 118 dollari. Impatto diretto su energia, logistica, fertilizzanti, cemento, chimica e agroalimentare.* Banche centrali in fase difensiva. Il Foglio sottolinea che Fed, Bce e altre autorità monetarie restano disorientate dall'incertezza su inflazione, energia e geopolitica. Il messaggio per i mercati è chiaro: tagli dei tassi più lenti e maggiore volatilità su obbligazioni e cambi.* Milano Finanza apre il tema governance dei mercati. L'articolo “Chi controlla Borsa” richiama la necessità di presidiare infrastrutture finanziarie, vigilanza e assetti proprietari. È un tema strategico: il controllo delle piattaforme di mercato pesa sulla sovranità finanziaria e sulla capacità di attrarre capitali.Industria, PNRR e politica industrialeTestate: Repubblica / La Stampa / Il Sole 24 Ore / Il Messaggero / Il Giornale* Ex Ilva: nuova liquidità pubblica, ma cessione ancora bloccata. Repubblica segnala lo sblocco di altri 100 milioni di euro per l'ex Ilva. Il governo aveva già utilizzato una tranche da 159 milioni e il perimetro autorizzato con Bruxelles arriva fino a 390 milioni. A Taranto resta operativo solo l'altoforno 2; l'altoforno 4 è fermo per manutenzione, l'altoforno 1 è sotto sequestro e circa 3.000 lavoratori risultano in cassa integrazione a zero ore. Il dato positivo è che il dossier resta industrialmente strategico; la criticità è che senza investitore credibile il capitale pubblico rischia di diventare solo liquidità tampone.* PNRR: verso un decreto di riassegnazione fondi. Il Sole 24 Ore segnala il lavoro sul decreto per riallocare risorse PNRR. È una notizia operativamente positiva: se ben gestita, la riassegnazione può concentrare fondi su progetti cantierabili, riducendo il rischio di dispersione e ritardi.* Francia: piano Macron su energia e chip. La Stampa evidenzia finanziamenti per 1,5 miliardi di euro su energia e semiconduttori. È un segnale forte: la politica industriale europea si sta spostando su filiere critiche, autonomia tecnologica e sicurezza energetica.* Agricoltura e costi produttivi. Messaggero e Giornale riportano misure per gasolio e fertilizzanti; il Giornale indica 100 milioni di euro messi sul tavolo. Il punto manageriale è chiaro: l'agricoltura resta esposta a energia, logistica e materie prime, ma gli interventi mirati possono attenuare la pressione sui margini.Fisco, normativa e conti pubbliciTestate: Il Sole 24 Ore / La Stampa / QN / Milano Finanza* Patto di stabilità: l'Italia cerca margini sull'energia. La Stampa e il Messaggero raccontano il confronto con l'Europa: Bruxelles non chiude del tutto la porta, ma frena su spese poco selettive e rischio sprechi. La linea positiva è che esistono margini negoziali; la condizione è legare ogni flessibilità a investimenti produttivi, energia e competitività.* Tria chiede all'Europa di allentare i paletti. QN riporta l'allarme dell'ex ministro: senza maggiore flessibilità il rischio è un “naufragio” delle politiche europee. Per le imprese, il tema è decisivo: meno rigidità può sostenere investimenti, ma solo se accompagnata da disciplina sulla qualità della spesa.* Donazioni e liberalità: proposta Tremonti. Al Festival dell'Economia del Sole 24 Ore, Tremonti propone di svincolare donazioni e liberalità da tutte le tasse. Misura potenzialmente positiva per filantropia, cultura, ricerca e terzo settore, ma da valutare sul piano del gettito.* Riscatto laurea: convenienza da valutare caso per caso. Milano Finanza dedica un focus al tema previdenziale. Il punto chiave è che il riscatto può essere utile per anticipare l'uscita o aumentare la pensione, ma va misurato su età, reddito, aliquota fiscale e orizzonte contributivo.Banche, credito e finanza pubblicaTestate: Milano Finanza / Domani / Il Foglio* Consob e indipendenza della vigilanza. Domani segnala i possibili conflitti del candidato Cornelli, ancora in aspettativa dall'ABI. Il tema è sensibile: per la credibilità del mercato servono autorità percepite come indipendenti, soprattutto in una fase di forte trasformazione tecnologica e finanziaria.* Spesa pubblica sotto osservazione. Milano Finanza, con “Qui si spende troppo”, richiama il nodo strutturale della qualità della spesa. Il messaggio è consulenziale: non basta contenere il deficit, serve riallocare la spesa verso produttività, infrastrutture, formazione e innovazione.* Cybersicurezza come infrastruttura economica. Il Foglio inserto segnala il tema della maggiore cybersicurezza. Per banche, imprese e PA non è più un costo IT, ma una voce di resilienza industriale e reputazionale.Energia e GeopoliticaTestate: Corriere della Sera / La Stampa / Repubblica / Il Messaggero / Il Tempo* Iran-USA: trattativa ancora fragile. Repubblica segnala che sul tavolo c'è la fine della guerra, ma l'accordo non è ancora chiuso. La variabile critica resta Hormuz: ogni ritardo negoziale alimenta premio al rischio su petrolio, gas, trasporti e inflazione.* Russia sotto pressione energetica. La Stampa scrive che la guerra di Putin è “a corto di benzina”: la capacità russa di dettare condizioni appare ridotta. Lettura positiva per l'Europa: se la pressione energetica su Mosca aumenta, lo spazio negoziale occidentale può rafforzarsi.* Nato ed Europa: più responsabilità agli europei. Corriere e Tempo segnalano il cambio di postura USA. Per l'Europa significa più spesa per difesa e sicurezza, ma anche maggiore autonomia strategica. Impatto atteso: più investimenti in industria militare, cyber, energia e infrastrutture critiche.Lavoro, formazione e capitale umanoTestate: Repubblica / Il Sole 24 Ore Festival dell'Economia / Milano Finanza* Fuga dei giovani: costo da 160 miliardi in 13 anni. Il Sole 24 Ore Festival dell'Economia riporta il dato indicato da Brunetta: la perdita di capitale umano giovane vale 160 miliardi di euro in 13 anni. È forse il KPI più rilevante della giornata: senza capitale umano qualificato, produttività e crescita restano deboli.* Fumarola: serve un patto per salvare il Paese. Repubblica riporta l'appello della leader Cisl a non inseguire le crisi ma costruire un patto su lavoro, industria e diritti. Nota positiva: occupazione e export mostrano resilienza; il nodo è trasformare la tenuta congiunturale in crescita strutturale.* AI e lavoro: Bezos ridimensiona il rischio sostituzione totale. Milano Finanza riporta l'intervista a Jeff Bezos: l'intelligenza artificiale non elimina automaticamente il lavoro, ma lo trasforma. Opportunità: produttività, nuovi servizi, efficienza. Rischio: polarizzazione delle competenze se formazione e regolazione restano indietro.

Judges Matter’s Mbekezeli Benjamin join John Maytham to discuss the latest judgement in former President Jacob Zuma’s arms deal case. Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. Thank you for listening to a podcast from Afternoon Drive with John Maytham Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

ENTREVISTA BOM DIA AGRO COM - Matheus Pereira - Sócio Diretor da Pátria Agronegócios

ENTREVISTA BOM DIA AGRO COM - Matheus Pereira Sócio-Diretor da Pátria Agronegócios

The Minnesota Wild take game 1 in the opening series of the Stanley Cup Playoffs against the Dallas Stars.  Ryan Carter and Joe O'Donnell join us from the road in Dallas, where they witnessed a very strong opening game from the Wild.  John King is holding down the studio at TRIA rink, making sure the rock tumbler is rolling, and maintaining the hate, as this series is about to heat up.  Big game by nearly all Wild players, Kirill Kaprizov snipes, big goals by Matt Boldy, Ekker, Ryan Hartman, the list goes on.  Series stands at 1-0 Minnesota. Give it listen before puck drop in Dallas on Monday night. (15.)

ENTREVISTA BOM DIA AGRO COM - Matheus Pereira - Sócio-Diretor da Pátria Agronegócios

Sobre pelegos e assassinos. *********************** Melhor forma de ajudar o Medo e Delírio? Pix recorrente no medoedelirioembrasilia@gmail.com *AGENDA* .11 de abril, sábado, 16h SÃO PAULO Lançamento do livro “Juízo Final” Megafauna do Copan .16 de abril, quinta, 19h BRASÍLIA Lançamento do livro “Juízo Final”! Paradeiro Café .18 de abril, sábado, 20h BRASÍLIA Festa do Medo e Delírio na Infinu! https://shotgun.live/pt-br/events/isso-e-jazz-22 .25 de abril, sábado, 16h RIO DE JANEIRO Lançamento do livro “Juízo Final”! Livraria Janela, Laranjeiras .26 de maio, terça, 19h BELO HORIZONTE Lançamento do livro “Juízo Final”! Livraria JenipapoQuer anunciar no Medo e Delírio, escreve pra gente no medoedelirioembrasilia@gmail.com O post II – 2026.22 – (SEM TRADUÇÃO) E lá vem os lesa-pátria de novo… apareceu primeiro em Central 3.

Sobre pelegos e assassinos. *********************** Melhor forma de ajudar o Medo e Delírio? Pix recorrente no medoedelirioembrasilia@gmail.com *AGENDA* .11 de abril, sábado, 16h SÃO PAULO Lançamento do livro “Juízo Final” Megafauna do Copan .16 de abril, quinta, 19h BRASÍLIA Lançamento do livro “Juízo Final”! Paradeiro Café .18 de abril, sábado, 20h BRASÍLIA Festa do Medo e Delírio na Infinu! https://shotgun.live/pt-br/events/isso-e-jazz-22 .25 de abril, sábado, 16h RIO DE JANEIRO Lançamento do livro “Juízo Final”! Livraria Janela, Laranjeiras .26 de maio, terça, 19h BELO HORIZONTE Lançamento do livro “Juízo Final”! Livraria JenipapoQuer anunciar no Medo e Delírio, escreve pra gente no medoedelirioembrasilia@gmail.com O post II – 2026.22 – (COM TRADUÇÃO) E lá vem os lesa-pátria de novo… apareceu primeiro em Central 3.

What do Big Tobacco, social media algorithms, and the Strait of Hormuz have in common? They're all reshaping insurance right now. In this episode of RiskCellar, Brandon and Nick crack open a bottle and break down the insurance angles behind the biggest stories of 2026, Meta's landmark social media liability ruling, nuclear verdicts hitting record highs, and a first-of-its-kind federal ruling on AI and attorney-client privilege.Brandon and Nick call Meta's social media addiction verdict a "Big Tobacco moment" for tech, and break down why courts ruled insurance coverage doesn't apply. They unpack the latest nuclear verdict data showing a 300%+ rise since 2015, cover Chubb and the USDFC building a government-backed Strait of Hormuz insurance facility, and discuss Uber's emerging role as the "Apple App Store of autonomy" in the autonomous vehicle space.The standout legal story is U.S. v. Heppner, the first federal ruling confirming AI chatbot conversations are not protected by attorney-client privilege. They close with a sharp conversation on truth as the future's most valuable commodity and Three Truths and a Lie: UK Edition.Key TakeawaysMeta's social media verdict is a "Big Tobacco moment", but damages may not be big enough to change behaviorCourts ruled Meta's conduct was intentional, so insurers don't have to cover the verdictNuclear verdicts are up 300%+ since 2015, tort reform is gaining steam but remains gridlockedChubb + USDFC are building a TRIA-style facility for ships navigating the Strait of HormuzU.S. v. Heppner confirmed AI chatbot conversations are NOT protected by attorney-client privilegeUber controls ~70% of U.S. ride-share access, likely the gatekeeper of autonomous vehicle adoptionAI tools are cutting insurance submission time from hours to minutes, use enterprise versions for data privacyTimestamps00:00 Cold Open & Weekend Catch-Up06:18 Wine of the Night: Liquid Farm Pinot & Callejon Malbec09:41 Pricing Corrections & Commercial Loss Development12:41 Autonomous Vehicles & Uber's Role as Gatekeeper19:50 Meta's Big Tobacco Moment: Social Media Liability27:17 Data Privacy, App Permissions & the GM Controversy29:35 Iran, Strait of Hormuz & Insurance Implications41:19 Nuclear Verdicts: 300% Rise & Tort Reform48:35 U.S. v. Heppner: AI Chats Are Not Privileged51:10 AI Rent Pricing Antitrust Case54:18 Truth as the Commodity of the Future56:37 Three Truths and a Lie: UK EditionFact Checks (Corrections only)Meta verdict total: The $14–20B figure discussed refers to MDL settlement estimates for 42,000+ plaintiffs. The first individual bellwether trial (March 25, 2026, L.A.) awarded $6M to one plaintiff, $3M compensatory + $3M punitive, against Meta and YouTubeNuclear verdicts baseline: The 300% rise most accurately tracks 2020–2023. In 2024: 135 nuclear verdicts totaling $31.3B, up 116% year-over-yearTexas renewables: Hosts self-corrected live. Accurate figure is ~37–40% wind + solar (not 78%) as of 2025U.S. v. Heppner: Confirmed, Feb 10, 2026, Judge Rakoff (S.D.N.Y.) ruled AI chatbot conversations with public tools are NOT attorney-client privilegedConnect with RiskCellar:Website: https://www.riskcellar.com/Brandon Schuh:Facebook: https://www.facebook.com/profile.php?id=61552710523314LinkedIn: https://www.linkedin.com/in/brandon-stephen-schuh/Instagram: https://www.instagram.com/schuhpapa/Nick Hartmann:LinkedIn: https://www.linkedin.com/in/nickjhartmann/

Editor Rich Nass interviews Alex Wood, Global Marketing Director, Tria Technologies, and Robert Thompson, Director Edge Processing Ecosystems, NXP, at embedded world 2026.

Aquesta setmana, Joan Becat parla del règim iranià que tria mantenir-se costi el que costi, i de la campanya electoral per les municipals a l'estat francès, una campanya insòlita.

Alex Stalock joins the show at TRIA for the final hour!

Russo Radio on site at TRIA, then hear from Wild GM Bill Guerin!

Vox in the Box at TRIA! Kevin Gorg in the mix for most of the opening hour, with Wild coach John Hynes opening the show!

Alex Stalock joins the show at TRIA for the final hour!See omnystudio.com/listener for privacy information.

Russo Radio on site at TRIA, then hear from Wild GM Bill Guerin!See omnystudio.com/listener for privacy information.

Vox in the Box at TRIA! Kevin Gorg in the mix for most of the opening hour, with Wild coach John Hynes opening the show!See omnystudio.com/listener for privacy information.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews RIMS General Counsel Mark Prysock on RIMS Public Policy Focus in 2026.   The RIMS Public Policy Committee is focusing on several legislative issues in 2026. These include the reauthorization of the Terrorism Risk Insurance Act, a federal government backstop in the event of a catastrophic terrorist attack. The bipartisan legislation would reauthorize program funding through 2034.   The Public Policy Committee is tracking an association tax reform proposal to levy a 21% tax on nonprofits' net earnings. Republicans and Democrats together are interested in the potential tax revenue of this proposal. RIMS serves on the Steering Committee of an association coalition led by ASAE to try stop this new tax from moving forward.   Other legislative interests include reforming the National Flood Insurance Program, mandating disclosures around third-party litigation funding of civil lawsuits, and providing the risk management perspective on various cybersecurity and data privacy initiatives.   This year's Legislative Summit, scheduled for March 18th and 19th in Washington, DC, will allow RIMS members to meet with their members of Congress to discuss these issues. Registration for the Summit is now open. Justin and Mark discuss these topics and more in today's interview.   Finally, if you haven't already done so, please consider contributing to RISK PAC, the Society's political action committee.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. Our guest is RIMS General Counsel and VP of External Affairs, Mark Prysock. He's here to tell us what's going on with RIMS advocacy efforts and the top items on our legislative agenda in 2026 and beyond. But first… [:47] RIMS Virtual Workshops. On March 10th and 11th, we have a two-day course led by John Button for the RIMS-CRMP Exam Prep. [:57] On March 17th and 18th, RIMS will align with AFERM for a two-day RIMS-CRMP-FED Exam Prep Course. [1:06] On March 4th and 5th, we have a virtual workshop, "Facilitating Risk-Based Decision Making", with Joe Milan. On April 15th, we have a virtual workshop covering "Emerging Risks", led by Joseph Mayo. [1:22] Register today and strengthen your risk knowledge. RIMS members always enjoy deep discounts on the virtual workshops. [1:29] Webinars. On March 6th, RIMS presents "Hard Hats & High Stakes: Women Leaders Shaping Construction Risk Management". We'll be joined by a Chief Risk Officer, an underwriter, and a broker. [1:43] They will explore their career paths, risk and safety philosophies, and lend some insight as to why this is the time for the next generation of leaders to rise. [1:54] On March 12th, Global Risk Consultants returns with "Don't Waste the Soft Market: Where to Reinvest Insurance Savings Before the Window Closes". Register for these and other webinars by visiting RIMS.org/webinars and the links in this episode's show notes. [2:12] The RIMS 2025 Compensation Survey is now available through the link in this episode's show notes. The survey incorporates data from 867 U.S. and 201 Canadian Risk Professionals. Download it today and see how you measure up to your peers. [2:32] RIMScast has its first spinoff, RIMScast Canada! It is a video podcast hosted by RIMS Canada Conference Committee Chair, Aaron Lukoni, with Justin as co-host. Check it out at RIMS.org/canada. This is a monthly series, and we are stoked to share it with you! [2:57] On with the Show! Our guest today is Mark Prysock, the General Counsel and Vice President of External Affairs here at RIMS. It is always wonderful to have him on the show. [3:07] He's here to remind us of the RIMS legislative priorities of 2026 and how they will be addressed during the RIMS Legislative Summit on March 18th and 19th in Washington, D.C., and who qualifies to attend. [3:19] He will also talk about what else we can expect in the way of public policies that RIMS would like to prevent, and those we support. There are lots of links in this episode's notes. You can visit RIMS.org/advocacy, as well. [3:30] Let's learn about the policies that are changing the risk landscape. [3:34] Interview! Mark Prysock, welcome back to RIMScast! [4:15] Mark says the RIMS priorities for 2026 include third-party litigation funding, where third parties, often from other countries, invest in civil litigation. This is of great concern from a national security perspective.  [5:22] If a foreign firm wants to invest in a lawsuit against a defense manufacturer, that foreign investor will have access to everything that comes out in discovery. [5:36] There's a lot of information that can be gleaned through civil litigation. That is a national security concern. That's one of the things we are hoping Congress will address. [5:55] Justin notes that RIMS had a couple of webinars about TPLF in 2025. The webinar panelists were incredibly knowledgeable and passionate about prevention. They covered ways to spot it and what to do about it. [6:21] Mark states that there is a strong link between TPLF agreements and nuclear verdicts for substantial amounts of money. [6:34] There's a real risk from a commercial insurance buyer's perspective if you are in an industry that is subject to TLPF arrangements, that the insurance for these types of lawsuits could dry up or become substantially more expensive. This could be extremely problematic. [7:15] Congress is considering reauthorizing the Terrorism Risk Insurance Act (TRIA). There is bipartisan support for it. The full House will be voting on it before too long. This may get wrapped before the RIMS Legislative Summit. The reauthorization would extend through 2034. [7:40] Mark says that overall, RIMS would support a long-term reauthorization of the program. [9:25] A proposal to tax the net earnings of non-profits came up almost two years ago. Some members of Congress feel that non-profits compete with for-profit organizations but don't bear the same tax burdens. Congress is always looking for new revenue streams. [11:08] Congress is not done with budget bills and comprehensive tax bills. If there is a bill that comes forward this year, RIMS will try to make sure that there are no changes in the way that non-profits are taxed. [11:28] Justin points out that RIMS is serving on the steering committee of a broad-based association coalition led by the American Society of Association Executives. It's called the Community Impact Coalition. A substantial number of associations in the D.C. area are involved. [11:50] Being on the steering committee means that RIMS plays a very active role in settling on the legislative strategy in dealing with this issue. [12:01] Mark says it's great to be involved in working with this group. They had a great deal of success last year in making sure none of these new tax provisions were included in the budget reconciliation bill. [12:15] WMark says that we just need to make sure again, for the last half of this session of Congress, that those tax provisions don't rear their ugly heads again. [12:24] Justin states that we love ASAE at RIMS. In 2023, RIMScast won an NYSAE Award for MarCom Excellence. [12:40] Justin asks about the National Flood Insurance Program (NFIP). It is typically funded as part of the Continuing Resolution, a bill that funds the federal government in general. That bill is considered by Congress every three to nine months. [13:22] We often reach a point where the issues regarding the Continuing Resolution are hashed out at the eleventh hour. Sometimes, they're not, and the government experiences a partial shutdown, which, at the time of recording this episode, we are currently in. [13:42] At present, the NFIP is not funded. RIMS advocates for the NFIP to be reauthorized, with enhancements, for an extended time, such as two or three years. However, if it were not part of the Continuing Resolution, it would no longer be considered must-pass, and it might go away. [15:31] Mark talks about attending the RIMS Legislative Summit. You may attend if you are a RIMS member working for a company that does business in the United States. [15:37] Mark says we are looking for RIMS members who represent companies that are constituents of Members of Congress, so you can go in, talk to a Member, say I am here on behalf of RIMS, and I work for a company that has X number of employees in your district. [15:59] Say that these are some risk management issues that my company is facing right now. I'd like to talk to you about those, if I could. [16:08] Quick Break! The RIMS CRO Certificate Program in Advanced Enterprise Risk Management is RIMS' live virtual program, led by James Lam. Great News! A brand new cohort has been announced. Registration closes on April 6th. [16:29] Beginning on April 14th, bi-weekly workshops will be held from 11:00 a.m. to 3:00 p.m. Eastern Time through June 23rd. Register now! A link is also in this episode's show notes. [16:42] February is Insurance Careers Month! That coincides nicely with the Spencer Educational Foundation's 7th Annual Spencer Day, which will be February 23rd. [16:54] Spencer's CEO, Megan Miller, was recently a guest on RIMScast, and we were discussing how everyone can join in this virtual celebration. Spencer is seeking $47 donations in honor of its 47th year. [17:11] The goal on Spencer Day is to raise $7,500 to support an additional scholarship, which will be awarded in the Spring. A link to Spencer Day information is in this episode's show notes. Visit Spencered.org/spencer-day. [17:27] Let's Return to Our Interview with RIMS General Counsel and Vice President of External Affairs, Mark Prysock! [17:58] Mark says the RIMS Legislative Summit will take place in Washington, D.C., on March 18th and 19th. March 18th is Education Day, held at the U.S. Chamber of Commerce Building in D.C. There will be training on the various advocacy issues. [18:28] There will be panel discussions around third-party litigation funding, reauthorizing the National Flood Insurance Program, and association tax reform. They bring together many people from the D.C. community to talk about these issues. [18:45] This includes lobbyists, people from the administration, Congressional staffers, and people who are going to bring different perspectives to provide RIMS attendees with a well-rounded understanding of each of these issues. [19:04] After that, there will be a basic presentation on how to lobby Members of Congress, with all the dos and don'ts. By that time, RIMS members will be ready to go. There will be one-page leave-behinds that outline an issue in depth and have a specific ask for Members of Congress. [19:27] Mark says we'll make sure that those one-pagers are transmitted to all the Congressional offices we'll be visiting, before our meetings, and also have printed leave-behinds for our members to take with them when they go to the Hill. [19:41] Thursday, March 19th, will be a full day. We release the hounds! Everybody hits the Hill, talks to Congressional staff members, and maybe Members of Congress, about our legislative priorities. [20:11] Mark says the pitch in 2025 was solid. One issue, the Freedom to Invest in Tomorrow's Workforce Act, liberalized the use of 529 College Savings Accounts for credentials, certifications, and things that might advance their careers in other ways. [21:06] There was very strong bipartisan support in the House and the Senate. Mark says RIMS participated in a very effective lobbying campaign on this. That legislation was passed into law using the exact language that our lobbying campaign recommended. [21:28] For Mark, that was a high point from last year's RIMS Legislative Summit. Another high point was the attendance numbers. There were about 100 Congressional visits in total. RIMS was very well-represented last year, and Mark hopes we outdo ourselves this year. [21:52] A Final Break! RISKWORLD 2026 will be held from May 3rd through the 6th in Philadelphia, Pennsylvania. RISKWORLD attracts more than 10,000 risk professionals from across the globe. It's time to Connect, Cultivate, and Collaborate with them. [22:12] General registration is open, and you can lock in the Advance Rates through February 28th. Marketplace and Hospitality Badges will be available starting March 3rd. Links are in the show notes. Check RIMS.org for more information. [22:29] Let's Conclude Our Interview with RIMS General Counsel and Vice President of External Affairs, Mark Prysock. [22:48] Beyond the Legislative Summit, the RIMS Public Policy Committee wants to work very closely with the RISK PAC Trustees to raise awareness around RISK PAC and the important role that it plays in supporting our legislative program. [23:05] RISK PAC is the RIMS political action committee. It's a vehicle to raise personal funds from RIMS members and use those dollars to support the reelection campaigns of Members of Congress who RIMS believes already support our issues or are in a position of influence. [23:38] Mark says we have some fairly exciting new things happening with RISK PAC this year. The first is a fundraising reception at RISKWORLD on Sunday afternoon, just before the opening general reception. [24:29] Any RIMS member who is a U.S. citizen can support the RISK PAC. Make a contribution to the PAC in order to attend. [24:58] RISK PAC will have a fundraiser at the Florida RIMS Conference in July. They are planning on more exposure at other regional conferences this year, as well. [25:36] Mark expects a lot of good things to happen for the RISK PAC this year, and hopes to raise a good amount of money to support our legislative initiatives. [26:14] Mark says TRIA is becoming a new, very relevant issue to the risk management community. It's all about extending an existing program. [26:39] Last week's RIMScast guest was RIMS's 70th President, Manny Padilla. Mark says Manny has been a long-time supporter of the Public Policy Program and Committee. He's a financial supporter of RISK PAC. He's a regular attendee at the RIMS Legislative Summit. [27:41] Having someone in the President's role who is enthusiastic and supportive of our Public Policy Program is great for us. [27:50] Mark says that Manny Padilla has been great for connecting the Public Policy Committee with other people working on similar issues. [28:10] Justin and Mark look forward to speaking more, later in the year, about what is accomplished on these issues. [28:33] If you have any questions before the RIMS Legislative Summit, you can visit RIMS.org/advocacy or reach out to Mark Prysock directly. He'd love to hear from you. [28:53] Special thanks again to Mark Prysock for joining us here on RIMScast and providing these very critical advocacy and legislative updates. The RIMS Legislative Summit will be held on March 18th and 19th. [29:10] Register today at RIMS.org/advocacy. There is also information about the RISK PAC. We want you to get involved and take part in advocating for your profession! [29:26] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [29:54] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [30:12] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [30:31] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [30:47] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [31:01] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [31:13] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS Legislative Summit – March 18‒19, 2026 on Capitol Hill, Washington, D.C. | Register now! RISK PAC | RIMS Advocacy RISKWORLD 2026 Registration – Open for exhibitors, members, and non-members! Reserve your booth at RISKWORLD 2026! Spencer Educational Foundation | Spencer Day — Feb. 23, 2026 RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | April‒June 2026 Cohort | Led by James Lam RIMS Compensation Survey 2025 — Download Today  RIMS Risk Management magazine | Contribute RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP)| Insights Video Series Featuring Joe Milan! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS-CRMP Story, featuring John Button RIMScast Canada — Debut Episode Now Live Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam PrepMarch 10‒11 | April 21‒22, 2026 | June 9‒10 RIMS-CRMP-FED Exam Prep:  Feb 17‒18 | Led by Joseph Mayo Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops RIMS Virtual Workshop — "Facilitating Risk-Based Decision Making" | March 4‒5 | Register Now "Risk Appetite Management" | March 25‒26 "Claims Management" | April 7‒8 "Emerging Risks" | April 15 | Register Now! 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RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guest: Mark Prysock, RIMS General Counsel & VP External Affairs   Production and engineering provided by Podfly.

Las desapariciones de barcos y aviones en el Triángulo de las Bermudas son uno de los temas más importantes del mundo del misterio. No sabemos qué ocurre allí. Todavía está por resolver. Y los casos extraños siguen ocurriendo: el últimos de ellos afecta a un español. Desapareció en su yate, cerca de Florida, hace unas semanas. Fue la última de las noticias que tuvimos de él.

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Fluent Fiction - Catalan: Finding Warmth: A Tale of Hope in a Psychiatric Ward Shop Find the full episode transcript, vocabulary words, and more:fluentfiction.com/ca/episode/2026-01-02-23-34-02-ca Story Transcript:Ca: El sol d'hivern entrava suaument per les finestres de l'hospital, creant un ambient tranquil al petit espai de la botiga de caritat del psiquiàtric.En: The winter sun gently entered through the windows of the hospital, creating a tranquil atmosphere in the small space of the charity shop at the psychiatric hospital.Ca: Els flocs de neu ballaven a l'exterior, cobrint els jardins amb un mantell blanc.En: The snowflakes danced outside, covering the gardens with a white blanket.Ca: Dins, Laia revisava la roba amb cura, assegurant-se que cada peça comptés amb una etiqueta clara.En: Inside, Laia carefully examined the clothes, making sure each piece had a clear label.Ca: L'Andreu i el Martí van entrar junts, fent soroll amb les botes mullades.En: Andreu and Martí entered together, making noise with their wet boots.Ca: Andreu es va aturar al llindar, la seva respiració una mica accelerada.En: Andreu stopped at the threshold, his breathing a bit accelerated.Ca: La calidesa de la botiga contrastava amb el fred de fora.En: The warmth of the shop contrasted with the cold outside.Ca: Martí, com sempre, va xocar amistosament contra el braç de l'Andreu.En: Martí, as always, playfully bumped against Andreu's arm.Ca: "Va, company, és només roba. És com casa," va dir Martí, intentant alleugerir el seu humor.En: "Come on, buddy, it's just clothes. It's like home," Martí said, trying to lighten his mood.Ca: La botiga era petita però acollidora.En: The shop was small but cozy.Ca: Tenia prestatgeries plenes de roba donada: abrics de tots colors, bufandes teixides a mà i jerseis que feien olor de lavanda.En: It had shelves full of donated clothes: coats of all colors, hand-knitted scarves, and sweaters that smelled of lavender.Ca: La Laia es va apropar amb un somriure càlid.En: Laia approached with a warm smile.Ca: "Veig que busques alguna cosa especial, Andreu", va dir.En: "I see you're looking for something special, Andreu," she said.Ca: "Busco un jersei, alguna cosa que... em faci sentir bé."En: "I'm looking for a sweater, something that... makes me feel good."Ca: La selecció, tanmateix, era limitada, i Andreu se sentia ansiós.En: The selection, however, was limited, and Andreu felt anxious.Ca: Laia el va observar atentament.En: Laia watched him closely.Ca: "No sempre és el més maco el que necessitem. Tria el que et faci sentir bé, no el que veus."En: "It's not always the nicest thing we need. Choose what makes you feel good, not what you see."Ca: Andreu va assentir, passant la mà pels fils de diverses peces.En: Andreu nodded, running his hand through the threads of various pieces.Ca: Quan la seva mà va topar amb un jersei groc i verd llampant, va parar-se.En: When his hand touched a bright yellow and green sweater, he stopped.Ca: Li recordava la platja on jugava de petit.En: It reminded him of the beach where he played as a child.Ca: Però dubtava.En: But he hesitated.Ca: Les mirades dels altres li semblaven pesades.En: The looks from others seemed heavy.Ca: El Martí va notar la seva indecisió.En: Martí noticed his indecision.Ca: "Què passa, Andreu? Aquest és el que et fa tornar a casa, oi?"En: "What's wrong, Andreu? This is the one that takes you home, right?"Ca: L'Andreu va agafar aire i va contemplar-lo.En: Andreu took a breath and contemplated it.Ca: Els nervis es barrejaven amb una mica d'esperança.En: His nerves mixed with a bit of hope.Ca: La Laia va encoratjar-lo suaument.En: Laia gently encouraged him.Ca: "Confia en tu mateix."En: "Trust yourself."Ca: Amb un últim sospir, Andreu va prendre el jersei amb fermesa.En: With one last sigh, Andreu firmly took the sweater.Ca: Se'l va posar i va sentir una onada de calidesa.En: He put it on and felt a wave of warmth.Ca: No era només el teixit; era la sensació de suport i companyia.En: It wasn't just the fabric; it was the feeling of support and companionship.Ca: Martí i Laia li van somriure, compartint l'alegria del moment.En: Martí and Laia smiled at him, sharing in the joy of the moment.Ca: Sortint de la botiga, l'Andreu va alçar els ulls al cel nevat.En: As Andreu left the shop, he looked up at the snowy sky.Ca: Ara, el jersei era més que un tros de roba.En: Now, the sweater was more than just a piece of clothing.Ca: Era un símbol d'un nou any ple d'esperança i del caliu dels amics.En: It was a symbol of a new year full of hope and the warmth of friends.Ca: Amb la neu caient suaument al seu voltant, va sentir que aquest any seria diferent, amb un nou començament al seu costat.En: With the snow falling gently around him, he felt that this year would be different, with a new beginning by his side. Vocabulary Words:the threshold: el llindartranquil: tranquilthe snowflakes: els flocs de neuto lighten: alleugerirto hesitate: dubtarthe warmth: la calidesathe label: la etiquetathe selection: la seleccióthe nerves: els nervisthe garden: els jardinsto contemplate: contemplarthe sigh: el sospirthe support: el suportthe space: el espaito bump: xocarthe knitted: teixidesto encourage: encoratjarthe wave: l'onadato enter: entrarthe shop: la botigathe anxiety: l'ansietatthe companionship: la companyiathe hope: l'esperançathe atmosphere: l'ambientthe blanket: el mantellto examine: revisarthe indecision: la indecisióthe fabric: el teixitthe sweater: el jerseithe looks: les mirades

For episode 659 of the BlockHash Podcast, host Brandon Zemp is joined by Vijit Katta, CEO & Co-founder of Tria. Vijit Katta is the CEO and Co-founder of Tria, with over a decade of experience across entrepreneurship, commercial strategy, and early-stage investing. He built Polygon's in-house accelerator, funding early-stage projects; founded a healthtech startup in Austria, and led commercial strategy for multiple 9-figure portfolios at GSK and AstraZeneca; he holds a CS degree from BITS Pilani and an MBA from INSEAD. Tria is a self-custodial neobank that unifies spending, trading, and earning across all chains — without bridges, gas, or custodians. Built for both humans and AI, Tria makes money programmable, enabling anyone or any agent to transact natively on-chain. Powered by its interoperability layer, BestPath AVS, Tria abstracts away the complexity of crypto to deliver instant, global, and autonomous finance. 

Vijit Katta is the CEO and co-founder at Tria, a self-custodial neobank that unifies spending, trading, and earning across all chains — without bridges, gas, or custodians. Why you should listen Vijit explains Tria's core vision as building both a protocol layer and a consumer layer that abstracts away blockchain complexity for users and businesses. He describes how the fragmentation of chains, gas fees, bridges, failed transactions, and security risks have slowed mass adoption, and how Tria's infrastructure removes these friction points across Bitcoin, EVM chains, Solana, and beyond. This foundation enabled the launch of Tria's consumer-facing product, a self-custodial neo-bank experience where users can spend, trade, and earn without needing to understand the underlying blockchain mechanics. The conversation explores Tria's early traction, including more than 50,000 users in its closed beta generating close to $100 million in transaction volume across spending, swaps, and bridges within just three months. Vijit attributes this growth to Tria's ability to seamlessly bridge real-world payments and on-chain assets, allowing users to spend thousands of supported tokens directly via cards without manual off-ramps or asset conversions. The emphasis is on maintaining full self-custody while delivering a user experience comparable to traditional Web2 banking apps. Vijit also discusses Tria's intent-based infrastructure, which routes transactions across multiple paths to reduce failure rates and improve reliability in a multi-chain environment. Rather than relying on single bridges or interoperability layers, Tria processes user intent and dynamically fulfills transactions through the most reliable route, ensuring users receive the outcome they want without being exposed to technical failures. The episode covers Tria's card offerings, including virtual and physical cards across different tiers, each unlocking varying cashback rates, trading fee discounts, and access to curated DeFi yield strategies. Vijit explains how Tria aims to surface opportunities that are typically inaccessible or too complex for everyday users, while aligning rewards and benefits with long-term usage rather than speculation. Vijit outlines his conviction that blockchain-based payment rails will ultimately replace legacy systems and envisions Tria becoming a primary bank account for millions across emerging markets within the next decade. He also touches on emerging developments such as agent-driven payments, where AI systems initiate transactions on behalf of users, and reflects on the uneven distribution of technological progress. The episode concludes with Vijit sharing his optimism for borderless, accessible finance and his belief that seamless on-chain banking is closer than most people realise. Supporting links Stabull Finance Tria Andy on Twitter  Brave New Coin on Twitter Brave New Coin If you enjoyed the show please subscribe to the Crypto Conversation and give us a 5-star rating and a positive review in whatever podcast app you are using.  

Tria Federal's acquisition of Softrams back in the spring transformed the acquirer almost overnight into a 1,500-person team that looks to blend technical offerings and knowledge-centric work.Tim Borchert and Atchut Kanthamani, respectively chief executive and president of Tria, join for this episode to overview the strategy for being a more formidable midsized competitor in its core markets of health and public safety.During the conversation with our Ross Wilkers, Kanthamani also explained why he felt both the timing and buyer was right for the company he started in 2007.Also on their agenda: where Tria sees itself in the broad arena of digital transformation, the market's adjustment to a new pace and cadence in 2025, and the company's Labs arm focused on innovation.

The Trump administration makes it clear that attacks on Jewish Americans will not be tolerated. Is the next 9/11 coming? Border czar Tom Homan thinks so. CNN is shocked at polling that shows Americans trust Republicans more than Democrats. Another Joe Biden gaffe? Jake Tapper wants us to believe that he didn't vote for Joe Biden. Why are ICE agents wearing masks on raids? Stephen Miller has fun with CNN. John Kerry wants you to be afraid of weather. That female gold medal boxer from the Olympics ... a male, as we all knew. Females must STOP sharing the field with males. Russia-Ukraine peace talks have broken down yet again. How the Biden administration turned its back on East Palestine, Ohio. Please pray for Secret Service Agent DJ Daniel. Time to put dinosaurs on the border? What life looks like inside the womb. 00:00 Pat Gray UNLEASHED 01:30 Karoline Leavitt on Boulder Colorado Attack 02:59 FBI Update on Boulder Colorado Terrorist Attack 04:06 Jamie Raskin Pushes Gun Control 05:32 Tom Homan's Warning of Potential Future Terrorist Attack 08:23 CNN Explains GOP Lead 11:13 CNN Tries to Explain Polling in America 16:11 Jake Tapper Didn't Vote for Biden 22:08 Biden Continues to Babble 27:16 Todd Lyons on Illegals Arrests 33:17 Todd Lyons Explains Why ICE Agents Wear Masks 35:26 Stephen Miller on “Undocumented Migrants” 42:40 John Kerry on Climate Crisis 49:04 Olympic boxer Imane Khelif is a MALE 53:56 AB Hernandez Continues to Dominate Girls Sports 57:27 NFL is Gay 1:06:54 Zelenskyy Wants US Troops in Ukraine 1:17:18 East Palestine, Ohio Today 1:22:37 Trump Wants Dinosaurs on the Border? 1:27:36 Tria from Tennessee Calls-In to Pat Gray UNLEASHED 1:34:54 Live-Action Baby Cam Learn more about your ad choices. Visit megaphone.fm/adchoices