Podcasts about Unintended consequences

Welcome back to Impact Theory with Tom Bilyeu. In this episode, I sit down with my co-host Drew to rip into one of the most turbulent weeks in global politics and economics we've seen in a long time. We break down not just the moves, but the motives and the possible massive consequences behind Trump's high-octane foreign policy—from slashing tariffs with China and locking in a colossal Saudi investment deal, to taking the unprecedented step of targeting Big Pharma with an executive order to lower drug prices. We get into whether all this fast action is actually helping America or just stirring up more chaos. Are we leveraging our moment, or just getting played by the likes of Xi and Putin? Does tough talk and bold negotiating end with real results for America, or are we setting ourselves up for long-term headaches, especially with midterms on the horizon? Then we peel back the layers on some of the rawest culture war issues, from immigration crackdowns in the UK, the controversy about a Muslim-majority city in Texas, to the viral video of world leaders acting out-of-pocket on a train to Kiev. SHOWNOTES 00:00 – China's 90-Day Tariff Pause: Progress or a Lifeline for Xi? 01:42 – Negotiation Tactics: Deal-Making or Getting Played? 03:48 – The Real Purpose of the 90-Day Pause 05:16 – China Can Print Money: Central Banks and Sinister Power 07:13 – Trump's Aggressive Approach: Productive Chaos? 09:14 – What's Actually Getting Done—And What's Just PR? 10:57 – Accepting a Gold-Plated Jet: Smart Move or Trojan Horse? 13:29 – Why “Greedy Capitalist” Isn't Always an Insult 15:51 – When Deals Cross the Line 18:38 – Global Trade Rebalancing: Is Win-Win Possible with China? 21:17 – Breaking Down the $600 Billion Saudi Deal 24:23 – Why Innovation Stalled—and What Competition With China Could Spark 25:54 – Instilling Inspiration vs. Self-Loathing in American Youth 29:31 – Price Fixing Big Pharma: Popular, but Ultimately Dangerous? 32:15 – Central Banks: The Fungus Beneath the Free Market 36:07 – How Drug Pricing Actually Gets Decided (and Where It Breaks Down) 39:04 – Why Price Fixing Backfires 42:36 – Cigarettes, Prisons, and the True Nature of Supply & Demand 47:14 – Drug Discovery, Innovation, and Unintended Consequences 54:58 – Culture Wars: Immigration Policy in the UK and the US 58:34 – Building the Modern Middle East—Without Western Intervention 60:48 – The Harsh Realities of Assimilation and Cultural Conflict 65:35 – What Happens When Zoning and Religion Collide? 71:19 – Demographics as Destiny: What History Teaches About Outnumbering 74:00 – Respecting Law, Freedom, and What It Means to Be American CHECK OUT OUR SPONSORS ButcherBox: Ready to level up your meals? Go to ⁠https://ButcherBox.com/impact⁠ to get $20 off your first box and FREE bacon for life with the Bilyeu Box! Vital Proteins: Get 20% off by going to ⁠https://www.vitalproteins.com⁠ and entering promo code IMPACT at check out Shopify: Sign up for your one-dollar-per-month trial period at ⁠https://shopify.com/impact⁠ Netsuite: Download the CFO's Guide to AI and Machine Learning at ⁠https://NetSuite.com/THEORY⁠ iTrust Capital: Use code IMPACTGO when you sign up and fund your account to get a $100 bonus at ⁠https://www.itrustcapital.com/tombilyeu⁠  Mint Mobile: If you like your money, Mint Mobile is for you. Shop plans at ⁠https://mintmobile.com/impact.⁠  DISCLAIMER: Upfront payment of $45 for 3-month 5 gigabyte plan required (equivalent to $15/mo.). New customer offer for first 3 months only, then full-price plan options available. Taxes & fees extra. See MINT MOBILE for details. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, hosts Brad and Michael, along with series regular Jay Reyero, share the story of an orthopedic surgeon and the unintended consequence of landing his dream job as team physician for a top college football program. As new NIL (Name, Image, Likeness) rules reshaped college sports, student athletes can seek compensation beyond traditional medical expenses, increasing a surgeon's malpractice exposure. Tune in to learn how legal and regulatory shifts in health care, especially those outside your control, can quietly impact your practice, and the steps you can take to protect yourself from unexpected risks.  Watch full episodes of our podcast on our YouTube channel:https://www.youtube.com/@byrdadatto  Stay connected for the latest business and health care legal updates:WebsiteFacebookInstagramLinkedIn

Summary Award-winning journalist Roger Thurow reveals how conventional farming practices are simultaneously depleting resources and failing millions of farmers worldwide. His investigation finds that many receiving food aid are actually food producers, highlighting a fundamental flaw in global agricultural systems. Drawing from field research across multiple continents, Thurow highlights promising indigenous and regenerative farming approaches that could transform global food systems while addressing climate challenges. Chapters 00:00 The Collision of Nourishment and Planetary Health 02:30 The Journey into Agriculture and Food Security 05:42 Unintended Consequences of Agricultural Practices 10:25 Lessons from Farmers: Regret and Resilience 14:26 The Debate: Regenerative vs. Modern Agriculture 20:08 Indigenous Knowledge and Innovation in Agriculture 25:15 The Role of Farmers in Global Agriculture 27:54 The Importance of Listening to Farmers Want to stay updated on the latest news in global development? Subscribe to Devex's Newswire: https://www.devex.com/newsletters/newswire

In this episode, hosts Brad and Michael share the story of a plastic surgeon who paid the price of not having formal agreements with his “business partner.” Without clear legal terms, the partnership led to patient loss and operational setbacks. Tune in to learn why having a legal framework and protective agreements, like non-competes and NDAs, is key to protecting your practice from business fallouts.  Watch full episodes of our podcast on our YouTube channel: https://www.youtube.com/@byrdadatto  Stay connected for the latest business and health care legal updates:WebsiteFacebookInstagramLinkedIn

As current events continue to accelerate around us, there is no better time to pause and view the rapid changes unfolding around us through a broader, systemic perspective. It's only by slowing down and adopting this holistic lens that we can begin to meaningfully prepare for what lies ahead. In this short edition of Frankly, Nate dives into the theme of unintended consequences across energy, environmental issues, and social movements.. Through this lens, we understand the importance of looking two or three steps ahead of today's actions and see the - sometimes unwanted - ripple effects in the future.  Why are some movements facing backlash in today's political landscape, despite decades of progress and education? What lessons can we draw from these outcomes to become more effective agents of change? And how do we stay grounded in humility and openness as we navigate further unexpected consequences in the future?  (Recorded April 16, 2025)   Show Notes and More Watch this video episode on YouTube   Want to learn the broad overview of The Great Simplification in 30 minutes? Watch our Animated Movie.   ---   Support The Institute for the Study of Energy and Our Future Join our Substack newsletter Join our Discord channel and connect with other listeners  

In this episode, hosts Brad and Michael sit down with Chris Suchánek founder of Firm Media, to explore the evolving landscape of medical marketing. After witnessing firsthand how larger firms worked with doctors, Chris built a marketing agency to provide a better, more effective approach for health care professionals. Tune in to learn the biggest pitfalls in medical marketing, how to maximize your ROI, and strategies to position your practice for long-term success.     Watch full episodes of our podcast on our YouTube channel: https://www.youtube.com/@byrdadatto  Stay connected for the latest business and health care legal updates:WebsiteFacebookInstagramLinkedIn

Welcome to the Alfalfa Podcast

Senate Republican Leader John Braun discusses concerns over proposed property tax increases and rent control, featuring voices from homeowners, renters, and landlords. He examines economic impacts, the housing crisis, and the broader effects on businesses and essential services.   The post The Elephant in the Dome Podcast: Property Taxes & Rent Control—The Unintended Consequences appeared first on Senate Republican Caucus.

In this episode, hosts Brad and Michael share the story of plastic surgeons who built a thriving practice with a clear vision for their exit strategy. Their plan was working—until new partners entered the picture. What started as a strategic decision ultimately led to the unraveling of the founders' original exit plans. Learn key considerations when adding new partners, how to structure buy-ins and buyouts for alignment, and how to safeguard both your practice and your long-term success.  Watch full episodes of our podcast on our YouTube channel: https://www.youtube.com/@byrdadatto  Stay connected for the latest business and health care legal updates: WebsiteFacebookInstagramLinkedIn

With political tensions high, associations and nonprofits face tough choices about where and how they host events.  Enter SocialOffset, a groundbreaking initiative co-founded by Dr. Elena Gerstmann that empowers conference attendees to offset the economic impact of destination boycotts—without sacrificing meaningful participation. In this episode of Association Chat, host KiKi L'Italien sits down with Dr. Gerstmann, Executive Director of INFORMS, to explore how SocialOffset is changing the conversation around ethical event planning. With a distinguished career in association management—spanning ASME, IEEE, and now INFORMS—Dr. Gerstmann brings unparalleled insight into the intersection of social responsibility, association leadership, and strategic decision-making. ❤️ FOLLOW Association Chat! ❤️ Subscribe to our YouTube Channel: https://www.youtube.com/@AssociationChat Visit our Website: https://associationchat.com/ Sign Up for Our Newsletter (SMS Opt-In available): https://mailchi.mp/91755d927784/070x0wvkl2 Follow us on LinkedIn: https://www.linkedin.com/company/associationchat Join our Facebook Group: https://www.facebook.com/groups/associationchat2 Join our Book Club: https://bookclubs.com/join-a-book-club/club/association-chat-book-club Subscribe to Association Chat Magazine: https://bit.ly/assnchatmagsublist Fill out the Sponsorship Interest Form: https://docs.google.com/forms/d/e/1FAIpQLSe49ISnb9WCXDX6ls5FTRri0TseEi91nL8mtwHp4tQjITrUtA/viewform?usp=sf_link Share your insights with Overheard in Associations: https://docs.google.com/forms/d/e/1FAIpQLSecySUh-faxwCEwuNytXpum2xzw3uB7hS32P6pNLuvi_sOKDg/viewform?usp=sf_link 

Tonight's rundown:  Hey BillOReilly.com Premium and Concierge Members, welcome to the No Spin News for Monday, April 7, 2025. Stand Up for Your Country.  Talking Points Memo: Protests organized nationwide to protest… Donald Trump. Democratic Political Strategist Doug Schoen joins the No Spin News to give insight into the tariff fallout across both parties.  MSNBC continues to provoke the nation as tensions rise. New report shows Nancy Pelosi's net worth falls nearly $7 million in less than a week. President Trump and Israeli Prime Minister hold meeting at the White House. Level 2 travel advisory issued by the State Department for the Bahamas. This Day in History: Mike Wallace dies at age 93.   In Case You Missed It: Read Bill's latest column, Make America Scared Again. Stand out from the crowd with our Not Woke baseball cap for just $28.95! For a limited time, get Bill O'Reilly's bestselling The United States of Trump and a No Spin Mug for only $39.95. Pre-order Bill's next book in the new Confronting Series, ‘Confronting Evil' NOW! Now's the time to get a Premium or Concierge Membership to BillOReilly.com, the only place for honest news analysis.   Learn more about your ad choices. Visit megaphone.fm/adchoices

Bongani Bimgwa speaks to Emma Sadlier, Social media law expert about the lengths people will go to on social media for clicks, likes and shares as well as the consequences in doing so. See omnystudio.com/listener for privacy information.

When you change economic policy as dramatically as we have in the last two months, there are bound to be unintended consequences. What are those consequences? Time will tell. But already we're seeing the European Union discuss improving their financial markets so they're more accessible. Germany is rearming. The consequences of trade policies are leading to places we may not have expected. Tune in as Tom and Dylan discuss the unintended consequences of trade policies.

Charles Malet, Mike Robinson, Vanessa Beeley, Sandi Adams and John Kiriakou with today's UK Column News. If you would like to support our independent journalism, please join the community: https://community.ukcolumn.org/ Sources: www.ukcolumn.org/video/uk-column-news-2nd-april-2025 Timestamps: 00:00 UK Laws Eroding Democracy: Crackdown on Dissidents 07:09 Ofcom's Censorship: Conflicts of Interest and the Extremism Redefinition 14:32 Roger Waters' Speech on the 80th Anniversary of Yalta: A Stand Against War 18:37 Weston's 'Council of Sanctuary' and the Kalergi Plan Debate: The Global Migration Agenda 29:44 UK Column On Location Livestream Available — UK Column Is Member Funded, Please Join Us 32:11 De-banking as Censorship: Bad Banki Fights Back 39:03 Yemen Under Fire: US Airstrikes, Palestinian Medics Shot - Latest Military Results (Starvation) 45:39 Government Recruits Valuers for Livestock Culls and Farm Seizures: Preparing for Mass Agricultural Control 47:58 Unintended Consequences and the Dangers of Playing God: Gene Editing to Change Eye Colour? 54:50 Israel's Impunity: Expanding Military Presence in Lebanon and Syria Amid Ongoing Airstrikes

Send us a textJoin us today for a fun conversation about all things government, UK and US, with Lord Daniel Hannan of Kingsclere! Lord Hannan is a member of the House of Lords. Today, we talk about how the U.K.'s legislative is structured, what is up with executive power, the importance of the West and cohesion on the freedom front, and the idiocy of tariffs. Want to explore more?Yuval Levin on Burke, Paine, and the Great Debate, an EconTalk podcast.Phillip Klein on Fight Club Conservatives versus Disney, a Great Antidote podcast.Robert Higgs, Government Growth, in the Concise Encyclopedia of Economics.Troy Senik on Grover Cleveland, a Great Antidote podcast.Is There a Role for Monarchy in a Free Society? A Liberty Matters forum at the Online Library of Liberty.Support the showNever miss another AdamSmithWorks update.Follow us on Facebook, Twitter, and Instagram.

More tariffs are on the way, this time targeting vehicle imports. President Donald Trump favors import taxes, partly because, he argues, they’ll help shrink the U.S. trade deficit. But if tariffs cut Americans’ spending on imports, foreigners are likely to cut their contribution to funding the U.S. budget deficit. Also on the show: BLS economists use not one but six different methods to measure unemployment, and sociology professor Elizabeth Popp Berman explains why university endowments can’t simply replace federal funding.

More tariffs are on the way, this time targeting vehicle imports. President Donald Trump favors import taxes, partly because, he argues, they’ll help shrink the U.S. trade deficit. But if tariffs cut Americans’ spending on imports, foreigners are likely to cut their contribution to funding the U.S. budget deficit. Also on the show: BLS economists use not one but six different methods to measure unemployment, and sociology professor Elizabeth Popp Berman explains why university endowments can’t simply replace federal funding.

Eric Frandsen and Jason Walker discuss the type of player(s) Utah State may be looking for in the transfer portal to improve their team. The NBA is exploring the creation of a European league. Could it work? Unintended consequences of revenue sharing. Stat that Blew My Mind / Player of the Week

In President Donald Trump's recent joint address to Congress, he said, "To unshackle our economy, I have directed that for every one new regulation, ten old regulations must be eliminated." Elon Musk, whom Trump has assigned to execute this vision, has argued that it is time to get rid of all regulations, or as Musk said, “regulations, basically, should be default gone.”Joining Bethany and Luigi to discuss this intensified commitment to deregulation and laissez-faire capitalism is Sam Peltzman, perhaps the leading living expert on the economics of regulation. Peltzman is the Ralph and Dorothy Keller Distinguished Service Professor Emeritus of Economics at the University of Chicago's Booth School of Business and director emeritus of the Stigler Center, which sponsors this podcast and is named after his mentor, Nobel-Prize laureate George Stigler. Together, the three of them chart a historical perspective on regulation, from Stigler's ideas of regulatory capture to the unintended consequences of deregulatory efforts over time to today's “chainsaw” approach to gutting federal agencies. To understand the costs and benefits of regulation, they discuss how federal agencies have recently intervened in markets, if the private sector could not have accomplished these interventions more efficiently, and if these interventions did more harm than good. Their case studies include the funding, testing, and rollout of the COVID-19 vaccine, the regulation of cryptocurrencies, the management of the collapse of Silicon Valley Bank, and the role of the government in addressing climate change. In the process, they answer the trillion-dollar question: Are Trump's deregulation efforts actually efficient?Episode Notes:Revisit our recent episode with Federico Sturzenegger, the Argentinian Minister for State Transformation and DeregulationRead the op-ed Bethany mentions writing in the wake of the financial crisis: Who Wants a 30-Year Mortgage?At the end of the conversation with Peltzman, Luigi asks him about his recent academic papers tracing marriage and happiness. Read these papers on the Stigler Center's Working Paper archives: The Socio-Political Demography of Happiness (2023) and The Anatomy of Marital Happiness (2025)

Last week, the Fort Bragg City Council voted to pause a lawsuit it had been pursuing against a davis-based business entity known as the Mendocino Railway and instead to pursue a master development agreement with said entity for the 400-acre oceanfront property known as the mill site. In doing so, is the city shirking its responsibility to enforce state and local laws? Peter McNamee is a concerned citizen who has been following the issue.

Forbes senior editor Alex Knapp joined "Forbes Talks" to discuss the impacts DOGE and budget cuts are having on the science and health care industries.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Ready to learn the truth about the food you consume every day? Not all farms are created equal, so what's on your plate may surprise you. In this eye-opening conversation, Nick Bailey of Grand View Farm explains the shocking differences between local farms and industrial agriculture — and why it matters for your health.We discuss the benefits of sustainable and regenerative farming practices, why our food freedom is at risk, and the hidden dangers of factory-farmed meat. Nick also shares insights on the raw milk controversy and how Grand View Farm is delivering clean, high-quality food to their community. Tune in to discover why supporting local farms isn't just better for your health, but essential for the future of our food system! Connect with Grand View Farm  WebsiteFacebookInstagram:YouTubeFarm to Consumer Legal Defense FundConnect with Jamie at Truman Charities:FacebookInstagramLinkedInWebsiteYouTubeEmail: info@trumancharities.comThis episode was post produced by Podcast Boutique https://podcastboutique.com/

Join leaders from the Illinois, New York, California, Texas, Florida, and Pennsylvania state CPA societies as they explore recent and proposed CPA licensure changes. Discover the latest state-by-state updates, timelines, and resources you need to stay on track. We address the 150-hour rule, potential alternative pathways, and practical mobility and reciprocity concerns. Whether you're a student or a candidate, gain real-world guidance to confidently navigate your journey toward the CPA license.(Originally recorded on March 4, 2025, on Earmark Webinars+)Chapters(00:00) - Introduction and Earning CPE Credit (00:17) - Welcome and Overview of CPA Licensure Discussion (00:41) - The Talent Shortage in Accounting (01:04) - State Actions on CPA Licensure (01:26) - Introduction of Guest Speakers (01:59) - Overview of Changing Licensure Pathways (03:14) - Detailed Discussion on New Pathways (05:17) - State-Specific Updates on Legislation (17:57) - Addressing Common Concerns and Misconceptions (26:10) - Flexibility in Accounting Education (26:41) - Second Career Opportunities in Accounting (27:15) - Adapting to Future CPA Skills (27:53) - Challenges in Implementing Changes (28:36) - State-Based Licensing Complexities (32:21) - Efforts to Address Talent Shortage (38:14) - Unintended Consequences of Deregulation (44:10) - The Importance of State Coordination (46:42) - Future of the CPA Profession (49:02) - Improving Working Conditions in Accounting (56:11) - Next Steps for Aspiring CPAs (57:43) - Conclusion and CPE Credit Information CPE for this episode https://earmark.app/c/2268Sign up to get free CPE for listening to this podcasthttps://earmarkcpe.comhttps://earmark.app/Download the Earmark CPE App Apple: https://apps.apple.com/us/app/earmark-cpe/id1562599728Android: https://play.google.com/store/apps/details?id=com.earmarkcpe.appConnect with Our GuestsGeoffrey Brown - https://www.linkedin.com/in/geoffrey-brown-cae-9039484Jen Cryder - https://www.linkedin.com/in/jencryderDenise Froemming - https://www.linkedin.com/in/denise-leduc-froemming-Calvin Harris Jr. - https://www.linkedin.com/in/calvinhjrJodi Ann LaFreniere Ray - https://www.linkedin.com/in/jodiannlafreniererayShelly Weir - https://www.linkedin.com/in/shellysiceloffConnect with Blake Oliver, CPALinkedIn: https://www.linkedin.com/in/blaketoliverTwitter: https://twitter.com/blaketoliver/

In this episode of "Impact Theory with Tom Bilyeu," we dive headfirst into geopolitical tensions, international politics, and rising technologies set to reshape our world. Tom Bilyeu, the insightful and probing host, explores high-stakes discussions ranging from the growing friction between the United States and China to the explosive rhetoric from Donald Trump. As the episode unfolds, the duo candidly navigates through potential economic pitfalls and the preventable slide into Thucydides Trap, providing a critical examination into the historical significance that fuels today's global theatrics. Sitting alongside Tom is Producer Drew who brings a wealth of knowledge and clarity to the table, dissecting everything from China's cultural identity to the intricacies of the Taiwan conflict. Expect to leave this episode with a richer understanding of why these international dynamics matter and how they steer the course of our future. Prepare for an episode that offers more than insight—it frames a comprehensive perspective on the global chessboard. SHOWNOTES 00:00 Unintended Consequences of Trump's Tariffs 10:15 Tough Talk Over Diplomacy 12:12 "Leadership Styles: Zelensky vs. Trump" 20:09 Political Strategy and Perception Challenges 24:57 Interpreting Sharia: A Common Law Approach 31:29 Political Polarization and National Unity 33:27 Define Goals and Test Ideas 42:51 Robot Safety Concerns 45:49 Ray Dalio's AI Expertise 52:44 Elon's Vision: Anticipating Future Trends 01:00:01 Organizing Scattered Digital Interests 01:05:40 AI Video Editing Workflow 01:08:29 Clutter Clash in Our Marriage CHECK OUT OUR SPONSORS Range Rover: Range Rover: Explore the Range Rover Sport at https://rangerover.com/us/sport Audible: Sign up for a free 30 day trial at https://audible.com/IMPACTTHEORY  Vital Proteins: Get 20% off by going to https://www.vitalproteins.com and entering promo code IMPACT at check out Thive Market: ​​Go to https:thrivemarket.com/impact for 30% off your first order, plus a FREE $60 gift! ITU: Ready to breakthrough your biggest business bottleneck? Apply to work with me 1:1 - https://impacttheory.co/SCALE Kettle & Fire: Get 20% off your first order at https://kettleandfire.com/impact with code IMPACT  Netsuite: Download the CFO's Guide to AI and Machine Learning at https://NetSuite.com/THEORY Found: Try Found for FREE at https://found.com/impact ********************************************************************** Do you need my help? STARTING a business: Join me inside ZERO TO FOUNDER here SCALING a business: Click here to see if you qualify Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here. ********************************************************************** If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu's Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. ********************************************************************** Join me live on my Twitch stream. I'm live daily from 6:30 to 8:30 am PT at www.twitch.tv/tombilyeu ********************************************************************** LISTEN TO IMPACT THEORY AD FREE + BONUS EPISODES on APPLE PODCASTS: apple.co/impacttheory ********************************************************************** FOLLOW TOM: Instagram: https://www.instagram.com/tombilyeu/ Tik Tok: https://www.tiktok.com/@tombilyeu?lang=en Twitter: https://twitter.com/tombilyeu YouTube: https://www.youtube.com/@TomBilyeu Learn more about your ad choices. Visit megaphone.fm/adchoices

This week on Everybody in the Pool, host Molly Wood talks with Eliot Brooks, founder and CEO of Cocoon Carbon, about an unexpected climate tech challenge: how decarbonizing steel production is disrupting concrete's path to net zero. Brooks explains how his startup transforms problematic steel slag from modern electric arc furnaces into valuable materials that reduce concrete's carbon footprint while cutting costs.Key Takeaways:Learn how steel's shift to cleaner production methods has unintentionally limited concrete's access to low-carbon materialsDiscover how Cocoon Carbon's modular technology transforms waste into valuable cement alternativesUnderstand why addressing interconnected industrial challenges creates powerful climate tech opportunitiesFind out how this solution makes decarbonization more affordable for both industries, representing 15% of global emissionsMore resources:Cocoon CarbonAll episodes: https://www.everybodyinthepool.com/Subscribe to the Everybody in the Pool newsletter: https://www.mollywood.co/Become a member and get an ad-free version of the podcast: https://plus.acast.com/s/everybody-in-the-poolPlease subscribe and tell your friends about Everybody in the Pool! Send feedback or become a sponsor at in@everybodyinthepool.com! To support the show and get an ad-free listening experience, please jump in and become a member of Everybody in the Pool! https://plus.acast.com/s/everybody-in-the-pool. Hosted on Acast. See acast.com/privacy for more information.

In honour of International Women's Day, join Bernice and Tracy as they look into the pressing issue of gender equality in the workplace. With a startling statistic from the United Nations revealing that it could take 140 years to achieve equal representation for women in leadership positions, they explore the challenges and potential solutions to accelerate this timeline. Discover how societal norms, unconscious biases, and communication styles can impact women's career trajectories.Learn about the power of allyship, the importance of creating inclusive environments, and the significant role of mentorship in women's professional growth. Bernice and Tracy also discuss the impact of women's support networks and the importance of using one's voice to advocate for change. Tune in to get inspired and be part of the movement to close the gender gap, because 140 years is too long to wait.Chapter Breakdown(00:00:00) - (00:00:28) Introduction: The 140-Year Statistic(00:00:29) - (00:04:56) Understanding the Gender Divide(00:04:56) - (00:07:30) Research and Data on Women in the Workplace(00:07:30) - (00:15:46) The Declining Commitment to Diversity(00:15:46) - (00:19:16) Unintended Consequences of Diversity Efforts(00:19:16) - (00:23:41) The Impact of Unconscious Bias and Microaggressions(00:23:41) - (00:27:00) Women's Networks and the Importance of Allyship(00:27:00) - (00:32:50) Communication Styles and Gender Traditionalism(00:32:50) - (00:40:02) The Competence and Age Bias(00:40:02) - (00:45:10) Women's Ambition and the Decision Not to Advance(00:45:10) - (00:50:16) The Importance of Equitable Interview Processes(00:50:16) - (00:54:02) Celebrating Women's Achievements and the Role of Mentors(00:54:02) - (00:59:04) Taking Ownership and Being an Ally(00:59:04) - (01:00:05) Challenging Thoughts and Taking Action(01:00:05) - (01:01:09) Positive Steps and the Need for More Allies(01:01:09) - (01:01:45) Final Thoughts and Call to ActionCall to ActionWe hope this episode has inspired you to take action and be part of the change. Remember, every small step counts. Here are some ways you can contribute:Educate Yourself: Read the "Women in the Workplace" report by McKinsey and "The Authority Gap" to deepen your understanding of the issues.Be an Ally: Challenge your biases, support women in your workplace, and advocate for gender equality.Use Your Voice: Share this episode, start conversations, and don't be afraid to challenge the status quo.Join the Movement: Participate in events and initiatives that promote gender equality.Reflect and Act: Think about what you can do in your daily life to support the women around you.Together, we can accelerate action and create a world where gender equality is a reality, not a dream. Because 140 years is too long to wait.Contact us/Follow on SocialsEmail:⁠⁠⁠⁠⁠⁠⁠⁠⁠Help@trans2performance.com⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe to the People Performance PodcastShare this episode with colleagues who could benefit.Visit our website and social media channels:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠linktr.ee/peopleperformancepodcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠FeaturingBernice Casserly - Senior Consultant, Trans2 PerformanceTracy Roberts - Head of Consulting & Delivery, Trans2 Performance

It's really hard to think of an industry out there that doesn't leverage AI. For marketers, it's become a revolutionary tool that cuts cost, increases productivity, and uses data to enhance personalization. But we're not here to talk about why it's great. There are thousands of articles online that will do that for you. Instead, in this episode of Brain Byte Back we shift gears today and ask: Is it possible for marketers to overuse AI? And if so, what are the results? Basically, can AI be “too much of a good thing”?We sit down with marketing expert Usman Amjad to explore the unintended consequences of AI in marketing. We dive into the risks of over-relying on AI-generated content, how SEO is shifting in response to AI-driven searches, and whether hyper-personalized ads are getting a little too good at knowing what we want. If you're currently using AI as a marketing tool for your business, this one's for you.Find out more about Usman Amjad hereBrains Byte Back:Reach out to today's host, Erick Espinosa (Linkedin) - linkedin.com/in/erick-espinosaGet the latest on tech news - https://sociable.co/ Leave an iTunes review  - https://rb.gy/ampk26Follow us on your favourite podcast platform: https://link.chtbl.com/rN3x4ecY

Currently adrift on the planet with a preference for villages near managed forests full of beauty and wildlife, T.H. PLATT is a researcher, writer and photographer with a background in government affairs focusing on agriculture, fishing and property rights.00:00 Introduction to Teresa Platt00:07 Early Life and Career Beginnings01:21 Transition to Writing Fiction02:13 The Dark Side of Hunger Mountain03:34 Themes of Globalization and Environmentalism04:12 Setting and Plot of the Book04:56 Challenges in Writing and Research07:16 Spotted Owl vs. Barred Owl Debate08:12 Insights on Scientific Integrity18:41 Publishing and Audience Reach21:14 Potential for a Movie Adaptation22:37 Connection with Willie Soon27:24 Impact of Global Campaigns31:19 The Evolution of Campaigns and Debt31:47 Challenges in Writing and Research32:11 Global Perspectives and the Treaty Clause32:47 The Long Journey of Writing the Book33:38 Building Coalitions and Gaining Insights35:54 The Importance of Fiction in Communication36:47 Plans for an Audible Version38:49 Pitching for Film and Audio Production43:32 Unintended Consequences of Globalism48:24 The Conflict Industry and Environmental Issues52:52 Reflections on COVID and Scientific Integrity55:08 Final Thoughts and Future PlansThe Dark Side of Hunger Mountain: https://a.co/d/9PDBiXSSubstack: https://thedarksideofhungermountain.substack.com/=========AI summaries of all of my podcasts: https://tomn.substack.com/p/podcast-summariesMy Linktree: https://linktr.ee/tomanelson1

Tom Bilyeu and Producer Drew delve into the harrowing footage alleged to be of forced conscription in Ukraine and Putin's perplexing openness to American business partnerships. Furthermore, they tackle the geopolitical implications of China's provocations and the evolving landscape of American politics during Trump's presidency. Tom and Drew navigate through these heavy topics, debating the ethical implications and possible future outcomes. They also engage in a thoughtful discussion about the personal and collective impact of these global occurrences, encouraging listeners to think critically about their own worldviews amidst these rapid changes. SHOWNOTES 00:00 "Forced Conscription and 'Death Ground'" 07:23 Putin, Minerals, and Global Strategy 11:43 Zelenskyy, Trump, and War Tensions 15:27 Unintended Consequences of US-Europe Fracture 23:33 "Aligning Life Goals with Motivation" 28:45 "Reigniting Wonder: Mars Exploration" 36:01 Cryptic Government Commentary Unpacked 39:21 Supporting Immigrants' Constitutional Rights 41:55 "Realpolitik and Striving for Better" 47:05 Streaming Changes Oscars Perspective 52:32 Evaluating Iconoclastic Talent 01:02:26 Women's Role in Marriages and Divorces 01:03:24 "Join Our Live Sessions" CHECK OUT OUR SPONSORS Range Rover: Range Rover: Explore the Range Rover Sport at https://rangerover.com/us/sport Audible: Sign up for a free 30 day trial at https://audible.com/IMPACTTHEORY  Vital Proteins: Get 20% off by going to https://www.vitalproteins.com and entering promo code IMPACT at check out Thive Market: ​​Go to https:thrivemarket.com/impact for 30% off your first order, plus a FREE $60 gift! ITU: Ready to breakthrough your biggest business bottleneck? Apply to work with me 1:1 - https://impacttheory.co/SCALE Kettle & Fire: Get 20% off your first order at https://kettleandfire.com/impact with code IMPACT  Netsuite: Download the CFO's Guide to AI and Machine Learning at https://NetSuite.com/THEORY Found: Try Found for FREE at https://found.com/impact ********************************************************************** Do you need my help? STARTING a business: Join me inside ZERO TO FOUNDER here SCALING a business: Click here to see if you qualify Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here. ********************************************************************** If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu's Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. ********************************************************************** Join me live on my Twitch stream. I'm live daily from 6:30 to 8:30 am PT at www.twitch.tv/tombilyeu ********************************************************************** LISTEN TO IMPACT THEORY AD FREE + BONUS EPISODES on APPLE PODCASTS: apple.co/impacttheory ********************************************************************** FOLLOW TOM: Instagram: https://www.instagram.com/tombilyeu/ Tik Tok: https://www.tiktok.com/@tombilyeu?lang=en Twitter: https://twitter.com/tombilyeu YouTube: https://www.youtube.com/@TomBilyeu Learn more about your ad choices. Visit megaphone.fm/adchoices

Explore the relationship between the chemical industry and energy in this discussion with Mike Kolodner, the US Energy and Power Leader and Global Renewable Energy Leader at Marsh.  Victoria Meyer and Mike discuss the energy transition, the realities of energy consumption, and the role of chemical products in supporting renewable technologies. Discover how the energy demands of industrial sectors, including chemicals, shape the broader energy landscape, and the critical need for informed policymaking to address these challenges. Victoria and Mike also discuss perspective on Peter Huntsman, CEO of Huntsman Corporation, keynote at the conference.     Plus, the complexities and unintended consequences of energy policies, especially in Europe, and how these impact global businesses. Related episodes:  https://thechemicalshow.com/critical-business-risks-in-2025-and-how-to-mitigate-insights-from-marsh/ https://thechemicalshow.com/dragos-ceo-robert-lee-on-bridging-the-gap-in-ot-cybersecurity-for-critical-industries/ https://thechemicalshow.com/peter-huntsman-discusses-innovation-leadership-and-regulatory-environments-in-chemicals/ Be sure to check out the full episode to learn more about: The complex relationship between energy and chemical industriesImportance of industrial demand in powerThe reality of the energy transitionImpact of European policies and international energy consumption Supporting clients through risk management and policy shaping Killer Quote: "We gotta stop pretending that you can just build a bunch of stuff and it's all gonna be fine. There are unintended consequences, and it's a far more complex ecosystem when we talk about global energy infrastructure." —Michael Kolodner 

This is the Engineering Culture Podcast, from the people behind InfoQ.com and the QCon conferences. In this podcast Shane Hastie, Lead Editor for Culture & Methods spoke to Courtney Nash about her research on the unintended consequences of automation in software systems, the importance of learning from incidents and maintaining human expertise in complex systems. Read a transcript of this interview: https://bit.ly/4gY9ZjZ Subscribe to the Software Architects' Newsletter for your monthly guide to the essential news and experience from industry peers on emerging patterns and technologies: https://www.infoq.com/software-architects-newsletter Upcoming Events: QCon London (April 7-10, 2025) Discover new ideas and insights from senior practitioners driving change and innovation in software development. https://qconlondon.com/ InfoQ Dev Summit Boston (June 9-10, 2025) Actionable insights on today's critical dev priorities. devsummit.infoq.com/conference/boston2025 InfoQ Dev Summit Munich (October 15-16, 2025) Essential insights on critical software development priorities. https://devsummit.infoq.com/ QCon San Francisco 2025 (17-21, 2025) Get practical inspiration and best practices on emerging software trends directly from senior software developers at early adopter companies. https://qconsf.com/ InfoQ Dev Summit New York (Save the date - December 2025) https://devsummit.infoq.com/ The InfoQ Podcasts: Weekly inspiration to drive innovation and build great teams from senior software leaders. Listen to all our podcasts and read interview transcripts: - The InfoQ Podcast https://www.infoq.com/podcasts/ - Engineering Culture Podcast by InfoQ https://www.infoq.com/podcasts/#engineering_culture - Generally AI: https://www.infoq.com/generally-ai-podcast/ Follow InfoQ: - Mastodon: https://techhub.social/@infoq - Twitter: twitter.com/InfoQ - LinkedIn: www.linkedin.com/company/infoq - Facebook: bit.ly/2jmlyG8 - Instagram: @infoqdotcom - Youtube: www.youtube.com/infoq Write for InfoQ: Learn and share the changes and innovations in professional software development. - Join a community of experts. - Increase your visibility. - Grow your career. https://www.infoq.com/write-for-infoq

Government waste, radical spending, and taxpayer dollars funding absurd programs—Mike, Glenn, and Mike break it all down in this episode of The Financial Guys Podcast. They expose $164 million in grants funneled to radical organizations, wasteful USAID spending on gender studies and trans surgeries abroad, and the staggering fraud within Social Security and government programs. They also discuss Trump's efforts to streamline government spending, the need for term limits, and the misuse of taxpayer funds on luxury hotels for illegal immigrants. Plus, they highlight the Democrats' weak defense of these programs and why Republicans need to stop waiting around and start cutting wasteful agencies. If you're tired of seeing your tax dollars squandered, this is an episode you won't want to miss.(00:00:49) Misuse of Government Funds in Grant Approvals(00:20:04) Unintended Consequences of Dodd Frank Legislation(00:21:26) Obamacare's Impact on Healthcare Premiums Debate(00:31:09) "Shutting Down Ineffective Government Agencies"(00:32:22) Luxury Hotel Spending for Illegal Immigrants(00:44:18) Effectiveness of Government Programs Assessment(00:54:37) Financial Integrity Issues in Democratic Party(00:55:15) Financial Transparency in Political Party Leadership(00:55:49) Political Corruption Impacting Financial Trust in Parties(00:56:36) Ethical Concerns Surrounding Celebrity Endorsements and Politics(00:57:50) Celebrity Influence and Political Endorsements(01:04:29) "Playful Banter About Hiring Nancy Pelosi"

Ann is off tonight so we brought in Wagner Wiegen to discuss the effect of tariffs and golf. Trump gets booed but you likely didn't hear it, RIP HTG, UHC sux, Why can't it die? Are you smarter than an immigrant and some Steve Bannon news. Thanks!

In this episode of *Keep it Humane: The Podcast*, Daniel and Ashley sit down with Mia Navedo-Williams to explore how the term *No Kill* is perceived within Spanish-speaking communities. They discuss the linguistic and cultural barriers that contribute to misunderstandings around animal sheltering, euthanasia policies, and access to care. How does the messaging around *No Kill* impact trust in shelters? What can animal welfare professionals do to bridge the communication gap? Tune in for an insightful conversation on language, culture, and the need for clearer, more inclusive outreach in animal welfare.

Season 07 Episode 04: Cheap and nasty: The unintended consequences of workplace interventionsThis episode extends the discussion from Season 07 Episode 02 on workplace incentives. Thank you, Michael Grima, who shared a media report on paid Tinder leave benefits. “You get paid to go out on a date?” Alan marvels. “Love me, Tinder…” Trajce croons. “I guess being in love is supposed to make you productive,” Sara reasons. Trajce digs in, “Coffee, Botox, I'll take it all. I'll buy in I'm cheap and nasty!”Sara needles the boys to consider the legal implications of a workplace incentive gone awry, like a horrible App-connection date gone wrong if that were funded and supported as paid leave by the workplace. In that vein, Alan shares a case about a young boy who's hand sanitiser ignites when in contact with a museum plasma ball. Trajce comments, “When you introduce one control you often create new hazards.”

In this episode, Tudor and Zachary Levi discuss the significance of Bobby Kennedy's appointment and the political reactions surrounding it. They delve into the MAHA movement, emphasizing the need for a healthier America and the role of parents in questioning health decisions. The conversation also touches on vaccine safety, corporate accountability, and the impact of modern living on human biology, highlighting the importance of transparency and informed consent in health matters. The Tudor Dixon Podcast is part of the Clay Travis & Buck Sexton Podcast Network. For more visit TudorDixonPodcast.comSee omnystudio.com/listener for privacy information.

Washington lawmakers are debating Senate Bill 5480, a proposal to void medical debt reported to credit bureaus. Elizabeth New of the Washington Policy Center warns that while the bill aims to help struggling patients, it could drive up healthcare costs and encourage non-payment. Read more at https://www.clarkcountytoday.com/opinion/opinion-medical-debt-bill-a-dangerous-gamble-with-unintended-consequences/ on www.ClarkCountyToday.com #MedicalDebt #HealthcareCosts #DebtCollection #FinancialAccountability #SenateBill5480 #ClarkCountyWa #LocalNews

My guests on this week's episode of the podcast are John Lynch and JP Dube. John is the University of Colorado Distinguished Professor at the Leeds School of Business, University of Colorado-Boulder, and JP is the James M. Kilts Distinguished Service Professor of Marketing at the University of Chicago Booth School of Business. Together, along with a number of co-authors, they have written a draft paper titled The Intended and Unintended Consequences of Privacy Regulation for Consumer Marketing, which is the subject of our conversation. Among other things, we discuss: The various compromises that are inherent in instituting privacy-related data restrictions; What regulators and government officials get wrong about personalized advertising; The difference between consumers' stated and revealed privacy preferences; The benefits to consumers of privacy; The potential win-win proposition of personalized advertising and price discrimination; How the GDPR should be instructive for US policymakers. Thanks to the sponsors of this week's episode of the Mobile Dev Memo podcast: INCRMNTAL⁠⁠. True attribution measures incrementality, always on. ⁠⁠⁠Clarisights⁠⁠⁠. Marketing analytics that makes it easy to get answers, iterate fast, and show the impact of your work. Go to⁠⁠⁠ clarisights.com/demo⁠⁠⁠ to try it out for free. ContextSDK. ContextSDK uses over 200 smartphone signals to detect a user's real-world context, allowing apps to deliver perfectly timed push notifications and in-app offers. Interested in sponsoring the Mobile Dev Memo podcast? Contact ⁠Marketecture⁠.

Originally released October 4, 2021. The Cobra Effect is a story of unintended consequences. In British-controlled India, the government tried to offer an incentive to help curb the rampant deadly cobra problem. Their solution backfired. This is the story of the model that economist & sociologists call the "Cobra Effect." Then comedy writer Jimmy Mak comes on the show to play the quick quiz! Review this podcast at https://podcasts.apple.com/us/podcast/the-internet-says-it-s-true/id1530853589 Bonus episodes and content available at http://Patreon.com/MichaelKent For special discounts and links to our sponsors, visit http://theinternetsaysitstrue.com/deals

There have been two episodes lately that have sent me down a rabbit hole that I wanted to bring to your attention. Now, disclaimer: I know you people; you're busy. You listen on average to, like, 26 minutes of any given episode. So, yeah … look at me being self-aware. I say all this to say welcome to this inbetweenisode, otherwise known as The Rabbit Hole. But it's like a 20-something-minute rabbit hole, not a day-and-a-half retreat; so just be kind if you email me and tell me I forgot something or failed to dredge into a nuance or a background point. It might be that I just could not manage to pack it in. For a full transcript of this episode, click here. If you enjoy this podcast, be sure to subscribe to the free weekly newsletter to be a member of the Relentless Tribe. This rabbit hole really, really matters for anybody creating benefit design. It really matters for anybody trying to optimize the health that can be derived from said benefit design. It also probably matters for a whole lot of operational decisions involving patients or members, nothing for nothing. But it really matters for anybody trying not to, by accident, as an unintended consequence, hammer plan members or patients with some really blunt-force cost containment measures that do a lot of harm in the process of containing costs or, flip side, accidentally cost a whole lot but don't actually improve member health. Nina Lathia, RPh, MSc, PhD, kind of summed up this whole point or gave an adjacent thought really eloquently in episode 426. She said there's better or worse ways to do things and doing the worst kinds of cost containment may not actually contain costs. You squeeze a balloon, and that works great for some, like pharmacy vendors who don't really have any skin in the game. (See me using the “skin in the game” term for other people besides plan members? That's some really good foreshadowing right there, by the way.) So, squeezing the balloon works for some when they don't have skin in the game, in the place where the air goes when you squeeze the balloon—like a pharmacy vendor who makes it super unaffordable for patients to get meds so the patient doesn't take their meds and winds up in the ICU, or the patient's formerly controlled with meds condition that is now newly uncontrolled and requires all kinds of medical interventions to get said condition back under control. Like, these are the reasons and the why behind why some cost containment efforts don't actually contain costs at the plan level. But not at the vendor level. You see what I mean? Most pharmacy vendors don't get penalized if medical costs wind up going up. And I'm picking on pharmacy vendors a little bit here, but it's true for a lot of siloed entities. But, you know, balloon squeezing can also work, actually, at the plan level if where the air goes, it's to a place where the member or the patient has to pay themselves. Like, if there's a huge, I don't know, max out of pocket or deductible, does it really matter to a very mercenary plan that's running on a very short time horizon? Do they really care, that plan, if the patient's formerly controlled condition gets uncontrolled? Maybe not, I guess, as long as it doesn't cost more than the max out of pocket that the patient is on the hook for, for any given plan year. So, yeah … again, there are better or worse ways to do things; and a lot of questions kind of add up to, What kind of plan do we want to be? What are our values, and does the plan align with them? But that's not the rabbit hole I wanted to go down today—the aligning with our values rabbit hole—so let us move on. The Relentless Health Value episode that kicked off the rabbit hole for me on multiple levels was the show with Bill Sarraille (EP459) about co-pay maximizers and accumulators. And don't get me wrong, that is a complicated topic with lots of pros, lots of cons; and I am not weighing in on the inherent lawfulness or value of any of this. I am also not weighing in on the fact that there are forthright and well-run maximizers and really not good ones, which cause patients financial, for sure, and possibly clinical harm. But not talking about that right now at all. Go back and listen to the show with Bill Sarraille if you are interested. Where my “down the rabbit hole” spiral started was when I started noticing the very, very common main plan pushback that was given right out of the gate so often when talking about the problems that any given plan sponsor has with these pharma co-pay programs—that if these pharmacopeia card dollars count toward the plan deductibles, then the patient's deductible gets met and the plan member will then often overuse healthcare and cost the plan excessive dollars from that point forward. So again, if you ask any given plan sponsor what I was gonna say their main issue but a main issue that they have with these pharma co-pay programs, that's gonna be it—that if these pharma dollars count toward the plan deductible, then the patient's deductible is met and from that point henceforth, the patient goes nuts and overuses healthcare services and it costs the plan a lot of money. The second episode causing this rabbit hole to open up is the one coming up actually with Scott Conard, MD. So, check back in a couple of weeks for that one. But in the show with Dr. Conard, we get into the impact of high-deductible health plans or just big out of pockets, however they transpire in the benefit design. Both of these scenarios, by the way, the maximizer meets the deductible scenario and the very, very high-deductible plan scenario are to blame, in other words, for this rabbit hole of an inbetweenisode. So, let's do this thing. Let's talk about the moral hazard of insurance to start us off. In the context of health insurance, if you haven't heard that term moral hazard before, it's an economics term; and it is used to capture the idea that insurance coverage, by lowering the cost of care to the individual, because their plan is paying for part of said care, by lowering the cost of care to the individual, it increases healthcare use. So, you could see why this may be related to having a deductible fully paid or not. Pre-deductible, the plan is not paying for a part of said care or paying a much smaller part. And after the deductible is paid for, then the plan is paying for a much larger percentage of care. So, moral hazard kicks in bigger after the deductible is fully paid, when the plan is paying for a bigger percentage or a bigger part of the care. So, before I proceed, let me just offer again a disclaimer to the many economists who listen to this show that this is a short inbetweenisode; so I am 100% glossing over some of the points that, for sure, have a lot of nuance. For anyone who wants a thick pack of pages for background reading, I have included some links below. Because you see, a few weeks ago, my Sunday did not go as planned. And instead of running errands, I wound up reading eight papers on moral hazard. So, my lack of groceries is your gain. You're welcome. I am happy to send you these links if you really want to dig in hard on this. Okay … so, moral hazard is the concept that individuals have incentives to offer their behavior when their risk or cost is borne by others. That's the why with deductibles, actually. We gotta give patients skin in the game because once a member has their deductible paid, it's like member gone wild and they will get all manner of excessive care. Again, I hear that a lot from plan sponsors—a lot, in all kinds of contexts but almost always, again, whenever the conversation has anything to do with manufacturer co-pay card programs and a lot when it has to do with just, you know, high-deductible plans and what happens when the patient meets their deductible. Once a patient or family has a fully paid deductible, their medical trend is like a spike, I hear over and over again. And again, this is the reason why many insist—and again, no judgment here, maybe they're right, I'm just rehashing the conversation—but this is why many insist the moral hazard of letting people have their deductible paid for them by Pharma or whatever is the reason why some believe it is imperative to have maximizers or accumulators where pharma dollars can absolutely not apply to patient deductibles. Because then we have sick patients who now have their deductibles reached, who have very few financial disincentives to go seek whatever care they want. Right. Moral hazard has entered the building. I've beaten this point to death, so let's move on. One time, I asked a plan sponsor, What exactly is it that these plan members are going wild spending plan money on once their deductible gets paid off? And he said, well, you know, they go get their suspicious-looking moles checked. Did you hear that silence just now? Yeah, that was my reaction. I don't know. I would consider getting suspicious moles checked kind of high-value care. There are posters all over the place saying if you have a suspicious-looking mole, it might be melanoma. Cancer. So, you should get ahead of that before you have a metastasized cancer. I'm no doctor, but yeah, this feels like high-value care. So, let's just, in arguendo, say it is high-value care and follow this thread for a sec. Once members reach their deductible, let's say they run around and get high-value care, care they actually need but haven't gotten before because they couldn't afford it earlier or were putting it off until they saved up enough, right? Like, this is the other side of the moral hazard coin. If patients delay or abandon care—and, by the way, there was a survey (it's in the Wayne Jenkins, MD, show from a while ago [EP358])—but 46% of patients with commercial insurance these days have delayed or abandoned care due to cost. But if they delay or abandon care that is high value and medically actually necessary and they put it off or abandon that high-value care because they cannot afford said care, then yeah, we have, again, the opposite of the moral hazard problem. We have members paying a whole lot for insurance that they cannot afford to use, they're functionally uninsured, and it's not gonna end healthfully if they need high-value care and they're not getting it. It's not. Functionally uninsured patients who have chronic conditions that really should be managed will, as per evidence, wind up with health problems if those chronic conditions are not managed. I read another study about this just recently. This is why members with chronic diseases on high-deductible health plans tend to have worse health, by the way. Now, I need to say, same rules do not always apply for healthy patients who, at least at this point, don't need regular healthcare. But do keep in mind, as it comes up in the Dr. Scott Conard show, 30% of patients who think they're healthy, they feel fine—actually they are not fine and will become sick and costly in the coming years. So, yeah … tune back in for that discussion if you are interested, but you get the gist of this whole thing, right? So, that's scenario 1 as to what patients may choose to buy once they're in the moral hazard zone and have met their deductible. They go get high-value care. So, let's move on from the high-value care case study where patients reach their deductible and get high-value care or they haven't met their deductible and fail to get care they actually need. I want to circle over to the other moral hazard potential situation: patients who meet their deductible. And in this scenario, they again embark on a health system jamboree; but they don't get a whole lot of high-value care in this scenario. They run around getting all manner of all kinds of stuff that is well outside of any evidence-based pathway. Like, weird example, I went to a doctor recently asking a question about something that everyone ultimately agreed was nothing. At which point, the doctor asked if I wanted an MRI. I was like, “What?” We and everyone else just agreed this was a big nothing burger. Why would I want an MRI? Is there something else that we didn't discuss to indicate that I need imaging? Like, why are we going there? And the doc said, “Oh, well, everyone in New York City has an anxiety problem. So, I thought you might just want to get an MRI.” Yeah, low-value stuff like that is now not financially prohibitive. So, someone who had met their deductible, in a similar situation to my example, might have shrugged and said, “Sure, I do have some anxiety. Let's go get that MRI.” Or if they hadn't met their deductible, then the whole skin-in-the-game, market-driven approach may work, I guess, to prevent them from getting low-value care that was clearly excessive and pretty wasteful. So, summing up these two scenarios, the implications of the moral hazard issue are, if it's expensive, people don't do it. If it's free or cheap, they will overutilize. And the issue with both of these patient choices is, patients are not good at discerning low-value care from high-value care. And because patients are not good at discerning high-value from low-value care, moral hazard is not mitigated with any sort of binary kind of vote for moral hazard or against moral hazard types of brute-force, broad-stroke tactics. Like, say I'm a moral hazard full-on believer. I assume all or most of the care a patient will go for is low value, right? Because if I try to prevent moral hazard from happening, then by default, what I'm effectively saying is, whatever they choose to buy on the basis of moral hazard is low value. So, I make basically everything I can pretty unaffordable so as not to invoke any moral hazard. But right, the problem with that is that some of the care is actually high value. And it's also expensive for the patient, so they don't get it. And patients are harmed, and balloons might get squeezed. Or the opposite, against moral hazard, right? Like, I'm against the concept of moral hazard. I don't believe in it, so I don't set up absolutely anything to combat it. Maybe because I assume all care that a patient might want to get is actually high value and totally worth it. That's gonna be a problem for the opposite reason. Plans can waste a lot of money this way. Random example, in 2014, the Commonwealth of Virginia reported spending $586 million on unnecessary costs from low-value care. I mean, they say something like a third of all care is waste and unnecessary, so … yeah. Plan sponsors can waste a lot of money on low-value care, and a bunch of that may happen when patients have less skin in the game because they reach their deductible, as one example, and the care is not financially prohibitive and moral hazard is realized. So, yeah … as I said, a couple of weeks ago, I did not spend my Sunday as planned. I spent my Sunday reading papers about moral hazard in insurance and how financial incentives impact patient decision making. And I'm gonna repeat the grand takeaway because this is a podcast and you might be multitasking. So, once again, here's the sum of it all: If it's expensive, people tend not to do it. If it's free or cheap, they will overutilize. And the issue with both of these patient choices is, patients are simply quite bad at distinguishing high-value care from low-value care. Once their deductibles are met, most patients will—due to moral hazard—they will, in fact, go on a spending spree; and part of what they will get done will be really, really important and necessary stuff, like getting their unusual moles looked at or their heart pain checked out or going for that follow-up visit or lab work that their doctor told them they need to come in for. And the other part of what they will do will be things that are outside the best-practice, evidence-based pathway guidelines by the length of the Appalachian Trail—you know, doing what appears to be a tour of specialty medicine physicians for unclear reasons but which lead to a cascade of testing and who knows what else. Why do they do this, these members? Do they do this on purpose? No. There is study after study that shows, again, members/patients do not, most of the time, have the chops to figure out if some medical service is high-value or low-value care. And no kidding. Most members and patients have no clinical training. They're not doctors. They're not nurses. They're not physician assistants. They're humans whose uncle died of cancer, and now they have a pain in their foot and they're convinced it's a tumor. Right? Like, do we blame them when they finally go see a doctor because they crushed their budget that particular year paying thousands and thousands of dollars out of pocket for whatever earlier in the year, and now they've made it to their deductible—do we blame them for taking the very rational step of getting the most out of those thousands of dollars of sunk costs? At that point, it's a “let me get my money's worth” situation because they can't afford to do this again next year. I mean, we hire employees because they're smart and rational, and this is really actually a pretty smart and rational thing to do. It's not somebody trying to commit fraud. Okay, sure … some people are. There's always bad apples. But the vast majority are just trying to live their life and not spend all of their vacation money next year on medical services like they did this year. I'm saying all this because it's actionable, by the way. And I'm getting to that, but indulge me for like 60 more seconds because I want to acknowledge you, listeners of this show, are probably nodding along to this whole thing this whole time and thinking all of this is pretty obvious. Well, yeah … maybe. Except here's the reason I decided to do an inbetweenisode about this rabbit hole instead of doing my normal thing, which is just ranting about it over dinner for three days straight—and God bless my husband for sitting through it—is the bottom line. But the reason we are here together today is the number of emails and posts and et cetera that cross my desk where it doesn't seem like these dots have been connected on all of this or at least connected in magic marker. Like fat, indelible magic marker, which is what I think is necessary for these dots to be connected with the ones between moral hazard and patients not being able to discern high- and low-value care. There are so many ways and places these dots will show up. Like, here's another moral hazard issue with those maximizers or accumulators, which apparently are on my mind right now—the not good ones I'm talking about now, where patients find themselves on the hook for hundreds or thousands of dollars midyear if they want to pick up the meds that they've been prescribed. If you need more details on how that might happen to understand what I'm saying fully, listen to the show again a couple of weeks ago with Bill Sarraille (EP459). But even if you're a little confused, it doesn't matter because the question is this: Do we justify having programs that make drugs really expensive for patients? Do we put in place one of these pretty darn punitive types of accumulators or maximizers, right? Like, there's different kinds, and I'm talking about the punitive ones of accumulators or maximizers. Do we justify putting one of those into place and figure that if a patient really wants the med, they'll pay a whole lot of money for it? Because if they're willing to pay a whole lot of money for it, then, right? It must be high-value care, so they'll figure out how to pay for it. Keep in mind, as I said earlier, if it's expensive, people don't do it. If it's free or cheap, they will overutilize. And the issue with both of these patient choices is, patients are not good at discerning low-value care or meds from high-value care or meds. So, look, Pharma can be up to all kinds of crap, and list prices are really expensive. No arguments here. That isn't the point. The point is, What is the actual problem that we're trying to solve for, for our plan and our patients and our members? And if that problem is making sure that the right patients get the right high-value meds or care, then not letting members get co-pay assistance such that all drugs—the good ones and the too-expensive ones and the ones that we don't really want our members to take for whatever reason—if we make all of them way too expensive with a maximizer or accumulator designed to make all the drugs really expensive … dots connected. We wind up with the all-in to prevent moral hazard issue we just talked about, where patients could easily be harmed and the plan can easily get into a balloon squeezing situation. All I'm saying is that there's a big-picture view of moral hazard here that we need to be looking at and over-indexing into binary, moral hazard black and white, where we attribute malice to members, some of whom, some of the time, may actually be trying to get high-value care, or the flip side, the plan's paying too much for low-value care and causing financial difficulties and not understanding the root cause. Going black and white or over-indexing to prevent outlier kind of stuff is probably not gonna end well. Not seeking a middle way can easily result in a solution that is possibly worse than the problem. So, look, moral hazard is actually a thing. There are lots of implications to patients not being able to distinguish high-value and low-value care. But if we know this, then, philosophically at least, how do we conceptualize a solve? What should we be doing? If we're not doing black and white, what does the gray in the middle look like? Alright, we don't want to be a solution looking around for a problem. So, let's think about the problems that we want to solve for. I would start with, What's the goal? The goal of plan sponsors providing insurance most of the time is attract and retain talent. Also, I was at the HBCH (Houston Business Coalition on Health) Conference at the beginning of December 2024. And there was a poll question. There was a bunch of employers in the audience, and the poll question asked the audience, “What's your biggest plan goal this year?” Main answer by a mile: Cut costs. Okay … so, we want to attract and retain, and we want to control costs. Obviously, you can go about achieving these three things a bunch of different ways, and they will all be tradeoffs. As Luke Prettol reminded me of the other day, there are no solutions, only tradeoffs. And so, with that, right now, I want to introduce the second concept that I have been ruminating over in my rabbit hole lately, that I've kind of been hinting at for this whole time. But here's a word we've been waiting for to solve all of our problems in a good kind of way, not the bad black-and-white ways that are so often either financially a problem or deploying brute force and harming patients in the name of solving something else: Pareto optimality. Pareto optimality is the state where resources are allocated as efficiently as possible so that improving one criterion will not worsen other criteria. It's essential to consider this, that Pareto optimality is the ideal we should at least be striving for when attempting to overcome any challenge but, in particular, the moral hazard issue, when we know that patients do not know what care is high value and what care is low value. Because if we don't try to at least Pareto optimize (if that's a word), if we try to fix the moral hazard problem and wind up with a new problem or new problems that might be worse than the old problem, that's not optimal. We have improved one criterion and worsened another. So, fixing the members going wild after they meet their deductible by slamming the lid on the fingers of members trying to get high-value care as well as low-value care, well … not sure about this, but I'd assume if not the attract but at least the retain criterion might be compromised by member dissatisfaction. But also, as I've said nine times, we might not actually cut costs. We might be doing a squeeze of the balloon. Especially that could be true when, as we all probably know or suspect, what's driving costs at the plan level is rising hospital prices. There's a show coming up on rising hospital prices as a primary driver of rising plan costs, and it's pretty hard to argue with. So, it's financially pretty advantageous to keep patients from needing to go to the hospital. So, yeah … I'd strongly suggest not squeezing balloons when hospitalizations are where the air goes. I'm not gonna belabor this. My only suggestion is, do the Pareto optimality math. A lot of you already are, I'm sure, and do a great job. But just for any given policy plan change, or decision, keep in mind moral hazard and then really go through the whole cascade of likely impact on other factors based on likely member/patient behavior. It's so easy to get sucked into kind of these philosophical, “those are my enemies” kinds of conversations that are actually philosophically sort of interesting, but they aren't the goal. I mean, there's always unintended consequences; but not all unintended consequences should come as some kind of, like, wild-ass surprise. They were pretty predictable, actually. Let me also mention that when considering Pareto optimal solutions, advanced primary care starts to get really compelling. It's because having a PCP team with data and a relationship to the patient helps patients stay on the high-value care bus. And that can minimize the bad that comes from lowering the barrier to care and inviting in a little bit of moral hazard. Just saying. Okay, so this has been going on a little bit longer than I had originally intended, but I do want to remind you of the so-called theory of second best. It's probably really appropriate here, and one of the reasons why I'm mentioning this and not finishing the show right now is that, in a very synchronistic moment, I was writing up my outline for this inbetweenisode and—how random is this?—Steve Schutzer, MD, wrote an email that included something about the theory of second best. Great minds and all of that. Anyway, the theory of second best is really aligned with Pareto optimality. It's just that sometimes you gotta be really practical. You gotta be a little scrappy. If you cannot achieve the best option, either because you just can't or because the best option for one thing results in too many negative consequences elsewhere, then don't do the best option. Forget it. Do the second best (ie, the theory of second best). There is nothing wrong with that. Don't be a hero. Okay, so in summary, moral hazard is actually a thing and so is the opposite; and it's even more of an impactful thing because most people cannot distinguish high-value from low-value care. And if they meet their deductible that they have paid a lot of money to reach, of course, they are going to want to try to get through their checklist of medical appointments that they have been putting off. This is not a surprise. And it's not all bad, as long as the care that they are trying to go get is high value; and that matters if we're trying to cut costs. Because to cut costs for real and not in a squeezing of the balloon way, we need to direct or limit somehow what gets done to high-value care. And we got to do that without accidentally causing other problems, meaning think through Pareto optimality and possibly consider the theory of second best. I hope this has been helpful at some level. It's helped me. I feel better having vented. Also mentioned in this episode are Nina Lathia, RPh, MSc, PhD; Bill Sarraille; Scott Conard, MD; Wayne Jenkins, MD; Houston Business Coalition on Health (HBCH); Luke Prettol; and Steve Schutzer, MD. Additional studies mentioned: Moral Hazard in Health Insurance: What We Know and How We Know It Do People Choose Wisely After Satisfying Health Plan Deductibles? Evidence From the Use of Low-Value Health Care Services Healthcare and the Moral Hazard Problem Distinguishing Moral Hazard From Access for High-Cost Healthcare Under Insurance   For more information, go to aventriahealth.com.   Each week on Relentless Health Value, Stacey uses her voice and thought leadership to provide insights for healthcare industry decision makers trying to do the right thing. Each show features expert guests who break down the twists and tricks in the medical field to help improve outcomes and lower costs across the care continuum. Relentless Health Value is a top 100 podcast on iTunes in the medicine category and reaches tens of thousands of engaged listeners across the healthcare industry. In addition to hosting Relentless Health Value, Stacey is co-president of QC-Health, a benefit corporation finding cost-effective ways to improve the health of Americans. She is also co-president of Aventria Health Group, a consultancy working with clients who endeavor to form collaborations with payers, providers, Pharma, employer organizations, or patient advocacy groups.   04:05 Where did Stacey's rabbit hole spiral start? 05:40 What is the moral hazard of insurance? 09:31 EP358 with Wayne Jenkins, MD. 12:49 Why isn't moral hazard mitigated in insurance? 18:16 EP459 with Bill Sarraille. 20:51 “How do we conceptualize a solve?” 22:24 Why should we be striving for Pareto optimality? 25:20 What is the theory of second best?   For more information, go to aventriahealth.com.   Our host, Stacey Richter, discusses considerations for #plansponsors and others. #healthcare #podcast #changemanagement #healthcareleadership #healthcaretransformation #healthcareinnovation   Recent past interviews: Click a guest's name for their latest RHV episode! Chris Crawford, Dr Rushika Fernandopulle, Bill Sarraille, Stacey Richter (INBW41), Andreas Mang (Encore! EP419), Dr Komal Bajaj, Cynthia Fisher, Stacey Richter (INBW40), Mark Cuban and Ferrin Williams (Encore! EP418), Rob Andrews (Encore! EP415)  

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The United States' withdrawal from Afghanistan in 2021 resulted in the abandonment of billions of dollars' worth of military weapons, vehicles, and equipment, a consequence of poor planning and execution by U.S. leadership. Despite decades of investment, the rapid collapse of the Afghan government and security forces left advanced weaponry, including aircraft, firearms, and armored vehicles, in the hands of the Taliban. Critics argue this outcome was a glaring oversight, as the U.S. failed to adequately secure or destroy its assets prior to departure, effectively arming a militant group it spent two decades fighting. This mismanagement has drawn significant scrutiny, as it not only represents a massive financial loss to taxpayers but also poses long-term security risks, with some of the equipment potentially being used to bolster the Taliban's control or even sold to adversarial states and terror organizations.Following the U.S. military's withdrawal from Afghanistan in 2021, a significant cache of advanced weaponry was left behind, including M4 carbine rifles and sophisticated night-vision devices. These arms have since been acquired by militant groups such as Tehrik-e-Taliban Pakistan (TTP), enhancing their operational capabilities against the Pakistani military. The influx of these weapons has led to a notable increase in the lethality and frequency of attacks within Pakistan, posing substantial challenges to the nation's security forces.In addition to their use in Pakistan, these U.S.-origin weapons have surfaced in the Kashmir region. Security forces in Jammu and Kashmir have recovered American-made M4 rifles from militants during various encounters. The presence of such advanced weaponry in the hands of insurgents has raised serious concerns about regional security, indicating that these arms are being funneled through networks extending from Afghanistan into Kashmir. This development underscores the broader implications of unsecured military equipment left in conflict zones, as it exacerbates tensions and fuels ongoing conflicts in sensitive areas.to contact me:bobbycapucci@protonmail.com

The United States' withdrawal from Afghanistan in 2021 resulted in the abandonment of billions of dollars' worth of military weapons, vehicles, and equipment, a consequence of poor planning and execution by U.S. leadership. Despite decades of investment, the rapid collapse of the Afghan government and security forces left advanced weaponry, including aircraft, firearms, and armored vehicles, in the hands of the Taliban. Critics argue this outcome was a glaring oversight, as the U.S. failed to adequately secure or destroy its assets prior to departure, effectively arming a militant group it spent two decades fighting. This mismanagement has drawn significant scrutiny, as it not only represents a massive financial loss to taxpayers but also poses long-term security risks, with some of the equipment potentially being used to bolster the Taliban's control or even sold to adversarial states and terror organizations.Following the U.S. military's withdrawal from Afghanistan in 2021, a significant cache of advanced weaponry was left behind, including M4 carbine rifles and sophisticated night-vision devices. These arms have since been acquired by militant groups such as Tehrik-e-Taliban Pakistan (TTP), enhancing their operational capabilities against the Pakistani military. The influx of these weapons has led to a notable increase in the lethality and frequency of attacks within Pakistan, posing substantial challenges to the nation's security forces.In addition to their use in Pakistan, these U.S.-origin weapons have surfaced in the Kashmir region. Security forces in Jammu and Kashmir have recovered American-made M4 rifles from militants during various encounters. The presence of such advanced weaponry in the hands of insurgents has raised serious concerns about regional security, indicating that these arms are being funneled through networks extending from Afghanistan into Kashmir. This development underscores the broader implications of unsecured military equipment left in conflict zones, as it exacerbates tensions and fuels ongoing conflicts in sensitive areas.to contact me:bobbycapucci@protonmail.comBecome a supporter of this podcast: https://www.spreaker.com/podcast/the-epstein-chronicles--5003294/support.

What happens when dabbling in the unknown summons something sinister into your life? For this Bentonville, Illinois family, unexplained footsteps, slamming doors, and disturbing nighttime encounters became an all-too-real nightmare. From a teenage daughter's curiosity with Wicca and an ominous Ouija board session to a mother's fervent prayers and rebukes, the battle between faith and fear played out nightly under one roof. This is a daily EXTRA from The Grave Talks. Grave Confessions is an extra daily dose of true paranormal ghost stories told by the people who survived them! If you have a Grave Confession, Call it in 24/7 at 1-888-GHOST-13 (1-888-446-7813) Subscribe to get all of our true ghost stories EVERY DAY! Visit http://www.thegravetalks.com Please support us on Patreon and get access to our AD-FREE ARCHIVE, ADVANCE EPISODES & MORE at http://www.patreon.com/thegravetalks

The Biden administration just approved a wind farm project off the coast of Massachusetts. It's the eleventh commercial-scale wind project of its kind to get approval and comes at a key moment for the sector, as President-elect Trump, a frequent critic, prepares to take office. Miles O'Brien reports. PBS News is supported by - https://www.pbs.org/newshour/about/funders

For "Shop Talk", Coach Bill gives a fascinating (and devastating) look at the trade war's unintended effects on the hardwood lumber industry and what it can teach us about our work serving others. Support the show: https://www.normalfolks.us/premiumSee omnystudio.com/listener for privacy information.

The Fall of Assad Throws the Future of the Middle East Into Uncertainty. Matt is joined by former Middle East editor for the Associated Press, Dan Perry, to discuss the recent fall of Bashar al-Assad's regime in Syria and its implications for the Middle East. What will it mean for the stability of Syria and the broader region, and what is the impact on global politics including the US, Israel, Europe, Russia, and Iran? They also touch on the complexities of the US State Department's response, the role of Donald Trump, and the fate of long-held American captive Austin Tice. 00:00 Introduction and Middle East Shakeup Overview 00:51 Guest Introduction: Dan Perry's Expertise 02:58 The Role of Hezbollah and Israel's Impact 04:59 Unintended Consequences and Global Reactions 07:33 The Fall of Assad and Rebel Dynamics 11:47 US and International Perspectives 17:48 Trump's Potential Influence and Future Implications 26:06 Conclusion and Final Thoughts

Days before America elects its 60th president of the United States, all eyes are on Georgia after it was a center of the scheme to overthrow the 2020 election. In this year's high-stakes race, correspondent Scott Pelley reports on how Georgia officials plan to ensure public trust, combat election fraud conspiracy theories, and protect the safety of poll workers. Since the Supreme Court overturned Roe versus Wade, 20 states have either banned or severely restricted abortions, six states have voted to protect access to them, and this Tuesday voters in 10 states will decide on adding abortion rights to their state constitutions. To better understand the profound impact of the fast changing and complex legal landscape, correspondent Sharyn Alfonsi visited Texas, the first state to change its abortion laws. Alfonsi interviewed doctors and mothers who say the laws intended to stop abortions are resulting in unintended consequences, hurting women with desired pregnancies and the people who care for them. Tiny Denmark—with its population of six million of the world's wealthiest and healthiest people—is suddenly home to Europe's largest company, Novo Nordisk. The company's weight loss wonder drugs Ozempic and Wegovy have slimmed down millions while adding great heft to the Danish economy. The firm now has a market cap of roughly half a trillion dollars, which is larger than the entire country's GDP. Jon Wertheim travels to the Baltic to see how a country with a slender ego is coping with this unlikely injection of fantastic wealth.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.