Podcasts about utc

Play Episode Listen Later Mar 10, 2026 1:51

fWotD Episode 3231: Duckport Canal Welcome to featured Wiki of the Day, your daily dose of knowledge from Wikipedia's finest articles.The featured article for Tuesday, 10 March 2026, is Duckport Canal.The Duckport Canal was an unsuccessful military venture by Union forces during the Vicksburg campaign of the American Civil War. Ordered built in late March 1863 by Major General Ulysses S. Grant, the canal stretched from the Mississippi River near Duckport, Louisiana, to New Carthage, Louisiana, and utilized a series of swampy bayous for much of its path. It was intended to provide a water-based supply route for a southward movement against the Confederate-held city of Vicksburg, Mississippi, as high water levels made overland travel difficult. Manual digging was provided by 3,500 soldiers from Grant's army and was finished on April 12. The next day, the levee separating the canal cut and the Mississippi River was breached, and water flowed into the canal. Trees that had grown up in the bayous and falling water levels that reached as shallow as 6 inches (15 cm) at one point hampered the use of the canal, and the project was abandoned on May 4. Grant moved men and supplies through the overland route, which had been made more accessible by the same falling water levels that doomed the canal. After some inland maneuvering and a lengthy siege, Vicksburg surrendered on July 4, marking a significant turning point in the war.This recording reflects the Wikipedia text as of 01:02 UTC on Tuesday, 10 March 2026.For the full current version of the article, see Duckport Canal on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @wikioftheday@masto.ai.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm neural Gregory.

education union louisiana mississippi trees wikipedia canal manual corner confederate ordered mastodon wiki mississippi river american civil war utc vicksburg curmudgeon new carthage

Tom Tellmann

american education wikipedia san diego padres blue sky corner wiki milwaukee brewers oakland athletics utc curmudgeon major league baseball mlb

Play Episode Listen Later Mar 10, 2026 1:33

rWotD Episode 3232: Tom Tellmann Welcome to random Wiki of the Day, your journey through Wikipedia's vast and varied content, one random article at a time.The random article for Tuesday, 10 March 2026, is Tom Tellmann.Thomas John Tellmann (born March 29, 1954) is an American former professional baseball pitcher. He played in Major League Baseball (MLB) for the San Diego Padres from 1979 to 1980, the Milwaukee Brewers from 1983 to 1984, and the Oakland Athletics in 1985.In 227 innings pitched over 112 appearances, Tellmann accepted 65 total chances (15 putouts, 50 assists) without an error for a perfect 1.000 fielding percentage in his major league career.This recording reflects the Wikipedia text as of 00:14 UTC on Tuesday, 10 March 2026.For the full current version of the article, see Tom Tellmann on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Bluesky at @wikioftheday.com.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm neural Kimberly.

Mojtaba Khamenei

Play Episode Listen Later Mar 10, 2026 2:50

pWotD Episode 3233: Mojtaba Khamenei Welcome to popular Wiki of the Day, spotlighting Wikipedia's most visited pages, giving you a peek into what the world is curious about today.With 518,042 views on Monday, 9 March 2026 our article of the day is Mojtaba Khamenei.Mojtaba Hosseini Khamenei (born 8 September 1969) is an Iranian politician and Shia cleric who has been the third supreme leader of Iran since 8 March 2026. He is a member of the Khamenei family and the second son of the second supreme leader Ali Khamenei.Born in Mashhad, a city in northeastern Iran, into the Azeri–Persian Khamenei family, he was nine when his father emerged as a leading figure in the Iranian Revolution. He received early education in Sardasht and Mahabad, and graduated high school from Tehran, after which he studied Islamic theology under the guidance of his father and Mahmoud Hashemi Shahroudi. He joined the Islamic Revolutionary Guard Corps (IRGC) in 1987 and served in the Iran–Iraq War. In 1999, he continued his studies in Qom to become a cleric, and joined the Qom Seminary as a theological teacher afterwards. He took control of the Basij paramilitary volunteer militia in 2009.Following the assassination of his father in the 2026 Iran war, Mojtaba was elected as his successor by Iran's Assembly of Experts. He has previously been sanctioned by the United States Department of the Treasury in 2019 as part of their policy of sanctioning individuals linked to Ali Khamenei.In political ideology and jurisprudence, he is considered to be among the most hardline of the Iranian principlists, and has close ties to some of the "most ideologically extremist clerics" per a report from Atlantic Council. Analysts have generally seen him as more favorable to developing an Iranian nuclear weapons program than his father, supporting a reinterpretation of Ali Khamenei's fatwa against nuclear weapons.This recording reflects the Wikipedia text as of 03:23 UTC on Tuesday, 10 March 2026.For the full current version of the article, see Mojtaba Khamenei on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @wikioftheday@masto.ai.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm standard Kendra.

THE TRUSTEE CRISIS: Navigating the Challenges

Wealth, Actually

Play Episode Listen Later Mar 9, 2026 58:41

There is a storm coming with the challenges of navigating the TRUSTEE CRISIS. It is one of the biggest blind spots in the “GREAT WEALTH TRANSFER” and will be the source of mountains of litigation for the unwary, https://youtu.be/hwQev88A03M Summary In this conversation, Frazer Rice and Jennifer Zelvin McCloskey discuss the current crisis in trusteeship, highlighting the shortage of qualified trustees amidst a significant wealth transfer. They explore the importance of modern trust planning, the challenges faced by individual trustees, and the need for better education and training in the field. The discussion also covers the emotional and interpersonal aspects of trusteeship, the functions and responsibilities of trustees, and the necessity of managing risk effectively. They emphasize the importance of building a pipeline for future trustees and improving the perception of the profession, while also identifying opportunities within the trust industry. https://open.spotify.com/episode/4qpkrVdaUa2AfDxgl7j3yN?si=XVgG3jE_Qpqq2JTqi8XLXQ Editing and post-production work for this episode was provided by The Podcast Consultant (⁠https://thepodcastconsultant.com⁠) Takeaways The coming crisis in trusteeship is already here. There is a significant shortage of qualified trustees. Trusteeship requires strong interpersonal skills and emotional intelligence. Managing risk is a fundamental aspect of trusteeship. Trustees critically need education and training. The role of a trustee is evolving with increasing complexity. Beneficiaries need to understand their rights and the trustee’s role. Custodial responsibilities are essential for asset protection. There are many opportunities for growth in the trust industry. Trust law and investment management are distinct fields. This Episode is for . . . Anyone that has an estate plan with a trust in it and doesn't know what a trustee does Any advisor who works w/ multi-generational situations (that’s everybody in wealth management) Any RIA looking to sell Financial types worried about compliance world Fiduciary litigators Chapters of “THE TRUSTEE CRISIS: Navigating the Challenges” 00:00 The Coming Crisis in Trusteeship 02:06 Importance of Modern Trust Planning 04:11 Challenges with Individual Trustees 08:03 The Dwindling Pool of Qualified Trustees 10:06 Functions and Responsibilities of a Trustee 12:20 The Emotional and Interpersonal Aspects of Trusteeship 16:05 Managing Risk in Trusteeship 19:07 Building a Pipeline for Future Trustees 22:10 The Role of Education in Trusteeship 25:07 Improving the Perception of Trusteeship 28:19 The Need for Better Trust Education 30:39 Bifurcation of Trustee Functions 33:26 Distribution Functions and Beneficiary Relations 36:52 Custodial Responsibilities in Trusteeship 40:19 Consequences of Poor Asset Management 46:41 Curriculum for Trustee Education 52:13 Opportunities in the Trust Industry Transcript of “THE TRUSTEE CRISIS: Navigating the Challenges” Frazer Rice (00:01.068)Welcome aboard, Jennifer. Jennifer Zelvin McCloskey (00:02.723)Thanks Frazer, how are you today? Frazer Rice (00:04.782)I am doing great. We’re going to dive into a topic that is near and dear to both of our hearts. And that is what I’m describing as the coming crisis in trusteeship, but I think it’s already here. Which is the concept of qualified trustees being in short supply, right in the face of a gigantic wealth transfer. And first of all, before we get into that, just describe what you do on a day to day basis first. Jennifer Zelvin McCloskey (00:33.445)Sure, I actually wear a bunch of hats. Day to day, right now, I’m a full-time practicing trust and estate attorney. I’m also an individual trustee for a variety of trusts that need either somebody here physically located in Delaware for a short period of time or even a successor trustee. But I’ve also spent many, many years building programs in trust management and trust administration. Because there is this crisis of human capital that just does not exist. I built multiple programs. They’re housed out of the University of Delaware. So I act as a trust and estate attorney, do planning, administration, I teach in the area, I build programs in the area, and I serve as a trustee. PEAK TRUST MANAGEMENT CERTIFICATE Frazer Rice (01:23.182)A full plate to be sure. To me, I came out of Wilmington Trust and another trust company served an individual trustee too. I’ve seen all these different flavors of trusteeship. My general sort of bon mot around that is that the individual trustees. I’d say 95 % or higher don’t really have an appreciation of the risk and responsibility that they’re taking on. And then the corporates have their own issues, which we’ll get into in a little bit. If we pull back even further, modern trust planning in wealth management, why is this so important? Jennifer Zelvin McCloskey (02:06.275)That’s massively important. It’s not just for the mass affluent or the ultra high net worth. It’s for everybody. We have all of these assets that we have this hyperfocus on building and increasing our wealth. Making sure that we have the ability to sustain ourselves throughout our entire lives. But if we don’t do this type of planning, if we don’t have structures and implementation for when we die, then our assets that we’ve planned so diligently for will fall off of a cliff. We lose the ability to control ultimately what happens to those assets. Layered on top of that, of course, is the tax component for ultra high net worth folks who are trying to really focus and direct their assets to make and create generational wealth transfers. Without this type of functionality and wealth planning and estate planning long-term, people lose control of what they’ve spent so much time building. Frazer Rice (03:13.338)One of the things I tell people as far as trusts are concerned is that, you know, we’re putting these structures together. They’re durable enough to withstand taxation or creditors or other asset protection features, create some guidelines around distributing the assets to the next generation or other constituencies. But also have some flexibility to be able to deal with the things we can’t look into the crystal ball and figure out over time. And that those three things just putting a document together that tries to do all that is hard enough, but then to put it in the hands of somebody or something to administer and to exercise discretion around it. That’s where the real art and science kind of stitched together and create this issue. You know, as we think about that too, the idea, the history of these types of scenarios kind of goes back to, you know, you’d put a structure in place and then you’d go hire a bank and they’d take care of everything. How do you look at that and say, all right, we’ve gone well past banks to individuals and then to dedicated institutions. What is the problem there? Jennifer Zelvin McCloskey (04:22.956)Now the problem, there’s two problems. In my opinion, what I see is that, you know, your individual trustee by and large is Uncle Joe, right? He’s the guy that everybody goes to in the family. The responsible one. He’s the smart one. The wealthy one who, great, doesn’t know what the fiduciary duties are. He doesn’t know that he has a duty of impartiality. He doesn’t know that… Frazer Rice (04:32.419)Right. Jennifer Zelvin McCloskey (04:48.475)He can’t self deal unless the instrument says so. Doesn’t understand how the instrument works. He doesn’t understand the nuance and the legalese written into the instrument. But he’s flying by the seat of his pants and everybody looks to him as the respected one in the family. No one knows that they have the ability to challenge him. So with your individual run of the mill trustee named in the instrument, they just don’t have the expertise, they don’t have the technical knowledge. Don’t know what they don’t know. They can get into trouble in that way. The other problem that you have with professional individual trustees oftentimes is that they are not formally trained. They may be an attorney who is working in that area, who’s doing plans for people who may or may not know what the full scope of being a trustee is. They may not realize, I have to get a special insurance policy because my malpractice insurance policy doesn’t actually cover this type of fiduciary engagement. There’s a lot of landmines that individuals can run into when they’re doing this type of work. On the corporate side, the problems that we run into is that there’s just a complete and utter lack. Frazer Rice (05:50.061)Hmm. Jennifer Zelvin McCloskey (06:12.059)Of available educational programs to teach people the proper way to be able to understand trusteeship. It has always been, and it just has developed over time through, you know, oh, we’ll give it to the bank, the bank will do it. This apprenticeship model, and that just does not scale well because if you learn improperly at the edge of a desk from somebody that learned improperly at the edge of the desk. Then the person that you’re teaching now at the edge of the desk is learning what you learned improperly. So anecdotally, I did karate for a long, long time. And the man who taught me karate, I’m almost a secondary black belt to like, was serious in karate. And the man who taught me karate said, you practice, it makes permanent. Don’t practice wrong. Because when you’re practicing wrong, you’re making permanent wrong things. And that’s what the apprenticeship model has the risk of lending itself to. It’s not that every trustee that learns at the edge of the desk learns wrong, but the risk is too high because the fiduciary responsibilities and the duties are too high to run that risk. The other problem is that we have a dwindling pool of really qualified senior trust officers because of just the nature of the job. You’re a human being, you’re an individual, you age, you retire. And it’s not something that people go to school and say, when I grow up, I want to be a trustee. They fall into it sideways. And unless there are academic programs that are out there that people are aware of and that they can get some formal training, some formal education to enter into the field. Frazer Rice (07:49.742)Yeah Jennifer Zelvin McCloskey (08:03.82)Separate and distinct from, I’m in the field and now I want to get a CTFA. I want to earn my certification to really show that I have the chops in this area. We have this shrinking pool of expertise. We have a lack of knowledge, a lack of formal education, and an apprenticeship model that doesn’t scale. On top of, with the individual side and the corporate side, this massive wealth transfer and an explosion of trust complexity that’s all taking place at the same time. Frazer Rice (08:31.918)One of the issues at the corporate level too is that as you say that the impregnance model is not necessarily the best way to do it. They’re cutting back on training programs. The business model around being a trustee or even a specific trustee does not make the big money. And so the ability for those types of institutions to develop the people.who ultimately are now in a very sort of pro-employee environment where there’s such a demand for trustees that they can kind of switch around and get a 10 or 20 % bump each time they go because people are desperate to have them. There’s a real cavern there to try to create the permanence that you’re looking for in a structure that really rewards consistency over time, especially as it relates to discretion and process of decision-making. Jennifer Zelvin McCloskey (09:23.15)Yeah, that’s exactly right. And that leads to this revolving door in the industry, because people are just trying to make more money and they’re going and bouncing to different trust companies. And there isn’t that backfill. Just because it’s a trust company and there’s policies and procedures, trusteeship is about relationships that you make with your beneficiaries, the relationships that you develop with multiple generations in a family. And when you have somebody that’s acting and serving in that and they move, they leave, they’re no longer acting and serving in that capacity, a new personality comes into the mix and it can really be disruptive. So having that consistency and minimizing the attrition is so valuable. Frazer Rice (10:06.766)The other thing I try to bring up, especially to individual trustees, is that the thing that you’re signing up for is probably going to look a lot different in five or 10 or 15 years when people are aged on, they remarry, they have kids, etc. That the conditions are a lot different than what they were before. And it’s going to be difficult to take on a structure that has eight people when before there were two. Jennifer Zelvin McCloskey (10:37.517)Yes, and that’s that complexity, that increased sophistication and complexity of trust structures that are available now to people. With the increase in the exemption, these trust structures, they’re not necessarily changed. For example, qualified personal residence trust, if people really need that anymore, but there’s a ton of them sitting around there. Are trustees properly administering it? Did you actually transfer the real estate into the trust at the time? So there’s all kinds of sophisticated structures that the trustees may or may not have the right skills. But they’re saddled with having to do it. Frazer Rice (11:19.47)Let’s take a step back and just talk about the functions of a trustee for a second. I break them down basically into three. Which is the first one. You have to administer the trust, meaning you have to dot the I’s, cross the T’s, make sure things get executed, tax returns are filed, statements get sent out to the extent that that happens, and that the administration of a structure like that occurs. Then I talk about the concept that the investments have to be made monitored moved around decided and that they’re appropriate for all classes of beneficiary that are in there and then the distribution function which is The assets have to be distributed according to the law. First the trust then maybe the intent or the law if everything is silent and that those three things are very different components and that it’s tough to find somebody who’s great at all three housed within one brain. Jennifer Zelvin McCloskey (12:20.217)Yeah, I agree with that 100%. It is a three legged stool. It’s the investments, the administration and the distributions. And in that administration umbrella in and of itself, there’s a tremendous amount of work that sort of goes unsung. know, it’s not the sexy stuff where you’re investing and making a bunch of money for your income beneficiaries and managing to preserve the corpus for your principal or your remainder beneficiaries. And it’s certainly not the personal interaction that you’re doing with your beneficiary day to day. Making distributions, helping them, seeing the product of that help. It’s the making sure you file ax returns are properly. Understanding how to read that tax return. Even if you’re not preparing it, making a proper selection on the accountant that you’re using to prepare those tax returns if you’re not preparing it. Make sure to set up statements properly, make sure that in this world of silent trust documents that you’re not sending a statement to somebody who’s not supposed to have it. Communicating with beneficiaries on an even keel. Making sure that you’re not inadvertently violating your duty of impartiality because it’s more than just a substantive duty, there’s a procedural duty as well. That’s really, really challenging to find within one human being, let alone add on top of it somebody who’s financially savvy enough to understand investments and all of the different complex investment tools that are out there, as well as having the personality and the interpersonal skills to keep beneficiaries engaged and happy. Frazer Rice (13:56.426)Just on top of that, the EQ, the bedside manner, and the ability to simplify the complex, et cetera. At the same time, that dedicated note taker that is able to document everything that happens within a decision. Whether distribution or investment or otherwise, that it’s just two different people most times. I find that something falls apart as time goes on. Ultimately if things aren’t laid out correctly, that’s when conflict starts to simmer. Then you know if there is something that’s wrong. That’s allowed to compound that’s where you get into a huge problem later on. Jennifer Zelvin McCloskey (14:36.922)It’s all that feeling. People are behaving in ways that they may or may not be able to articulate their emotional proximity to. When you’re talking with beneficiaries. There’s something simmering under the surface that you inherited because you’re a trustee. You may not even be aware of it because the beneficiaries may not even be able to articulate it. You have to have a certain sense. A gut check of feelings of rntuitively being able to read what’s going on under the surface. To pull it out of people in a very balanced and even keel way. It’s not an easy job by any stretch of the imagination. On top of financial literacy and personal liability and executive functioning skills, being detail oriented, making sure your documentation is not overly explicit. isn’t, you know, scarce. You’re now wondering how and why did you make those decisions? People don’t think about the decisions that they make on a day to day basis. We don’t think in a way to articulate why I made this decision. Why I exercised this type of judgment. And that’s what we’re being asked to do as trustees is to document what is my decision making process? Why am I making the decision? What are my factors involved in making that decision in a way that’s defensible. If we ever need to defend it. Frazer Rice (16:05.292)Well, in favoring one class of people over another is usually where the rubber hits the road on this. People who are used to seeing the income from a trust and don’t want that touched come hell or high water. Then future beneficiaries who’d like to see the trust go from X to 2X to 5X. So that they have something larger to enjoy. You have a natural tension that you have to manage. It’s just not easy. If you don’t document the hows and whys of what you’re doing, you set yourself up for a problem. From one class or another looking at you saying, you you should have done it differently. To go back to that liability component. You’re the only one who sits in the chair of having made that decision. You’re the one with the bullseye on your back when it’s called to account. Jennifer Zelvin McCloskey (16:53.093)That’s right, that is exactly right. And now add on top of it, you’re just named because you’re Uncle Joe and everybody goes to Uncle Joe. You have no technical background and you just don’t know the landmines that are there. You don’t know what you don’t know. Wouldn’t it be wonderful if we were able to create a pipeline of really sophisticated entry level employees or folks that are, you know sophisticated in financial literacy that now want to take the job to become trustees, that we were able to give them this technical roadmap for what the job actually is and then have them get the ability to apprentice on all of those policies and procedures. What does this corporation do? How do we document things? When you’re trying to learn it all at one time, it’s like drinking from a fire hose. Let’s give people the ability to really have a chance at doing it successfully. Frazer Rice (17:53.048)So let’s dive into that pipeline issue for a second. We already diagnosed that the, let’s call it the trust companies or the banks are, they’re just not resourced enough. They can’t run people through an internal school to do it quote unquote correctly. The apprentice model really kicks in. Which means you’re at the sort of mercy of what people are good at, not good at, et cetera. People turn over quickly so that apprenticeship doesn’t even work anymore. The RIAs I think are the worst place to learn about this type of thing. They have a completely different modus operandi as far as keeping clients happy. The word fiduciary means something so different to them than it does to an actual trustee. I wouldn’t feel good about the training on that front to sort of create trustees And then so law schools. They’re they’re just trying to create people the trust in the states vertical as a general matter. Let alone trying to delineate into a trustee situation. You’re putting the pipeline together and you put these programs together. How do you stitch together the needs and what does that manifest itself into? Jennifer Zelvin McCloskey (19:07.642)So that’s a really, really good question. I think that the very first place that we start with answering that question is advising on a trust as an attorney. It’s different from the administration of a trust and the skills that you need for that. So when you create a program like this where you’re trying to teach about trust management. You have to start with the technical skill. The legal side of what is it that we’re even doing? What is a trust? What are the fiduciary duties? Where do they come from? Then we have to, after we teach or create a structure or foundation on what the legality is. Now we go into how does this translate into administration? So when I created the programs, I looked at what’s the law they need to know? What is the level of sophistication of the student? And what do I need to, from a foundational perspective, teach first? What are the building blocks? And then how do I translate that into administration? The one thing that I have found is trust law does not equal investment management. So if people are coming along… Frazer Rice (20:26.254)No question. I’m nodding audibly at that comment. I like that. Jennifer Zelvin McCloskey (20:31.226)Your fiduciary duties as a trustee are fundamentally different than those of an RIA, where some RIAs are not even fiduciaries by law. They’re not. So being able to delineate and explain where that line is, what makes you a fiduciary, what are those duties, after you know the legal basics. And taught to you at a level that you can understand. I don’t expect everybody to be a lawyer. And people have asked me time and time again, do I need to be a lawyer to know this? No, you don’t need to be a lawyer because you’re not advising on the law. You’re advising on the administration of a legal structure and how that administration affects the fiduciary duties that are inherent in the relationship. Then how those fiduciary duties are translated out to the beneficiary. That’s the way that I’ve always built these programs. Where do I start? Start with the law. Where do I go from there? Start with how the administration translates the law. And then how does that administration get heard by the beneficiary? Where does the RIA come into the mix? The RIA should not be dabbling in advising on trusts. They should know that they need to bring in somebody who has this particular skill. And if they’re not doing that, they’re doing the client a disservice by trying to give one-stop shop advice. Frazer Rice (22:06.85)Yep, no question about it. One of the things that…we delve into the world of trusts and their function, et cetera, is that you’re dealing with an ecosystem from client to outside advisor, whether RIA or even accountant, et cetera, that they’re looking for certainty and airtight. quality to these structures that you put them in place and then everything runs like a clock going forward. When in actuality, I think there is a bandwidth of risk around everything. And so it’s the poor trust officer or individual trustee who sometimes has to be the bearer of bad news to say, yeah, you know, I think this is going to work 98 % of the time, but there’s a 2 % problem here or we’ve got this to fix or something like that and everybody else sort of sighs with disappointment and gets mad at the administrative function when in actuality they’re really doing their job and trying to, you know, keep a lot of things that are spinning out of control kind of within view. How do you get a trust officer or that administrative function or even the full trustee function to be comfortable with that risk and everything that’s involved with that? Jennifer Zelvin McCloskey (23:20.504)You have to start with explaining that there is risk and we’re not our job is not as a trustee to eliminate risk. Our job is to manage and identify risk. It is inherent in the job. There is going to be risk. No matter what you do, you cannot divorce risk from trusteeship. It’s a matter of identifying perceived risk and actual risk. And if you can teach that, if you can teach These are the things that are going to trigger a likely outcome. They’re gonna trigger a likely risk. Then you can essentially, you can’t foresee everything. I mean, there are things that are just gonna happen. But in a trust instrument, you’ve got contingency plan upon contingency plan upon contingency plan. That’s what the flexibility of those structures are building. We need to, as trustees, be able to recognize What is the risk with contingency plan A? The risk with B? What is the risk with C? How can we minimize the risk? And how can we make sure that we’re managing perception of risk versus actual risk? Frazer Rice (24:29.31)as someone who’s been in trust companies, advised trust companies, advised trustees, and advised clients, the lack of appreciation for the management of that risk and that that as the intersection of the business model of trusteeship and risk management and use of discretion and making hard decisions and even kind of an insurance quality around these structures, how do you fix that, where people place a level of respect on the job that I think is completely lacking in the wealth management ecosystem? Jennifer Zelvin McCloskey (25:09.089)Absolutely. It’s a tough one to answer. How do you fix it? First and foremost, I think that it’s a top-down fix, especially at a corporate trust company, a bank, and even an independent trust company that’s not affiliated with a bank. The management has to… really understand the function of the trust company. For so long, it’s been just an extra service that we provide and and we’ll do this, the back office trust company. It’s really, really important that the management recognizes what the functionality of the trust company is and stops treating it as sort of a back office stepchild. From the corporate level, I think that’s the very first place we start. Frazer Rice (25:38.478)Mm-hmm. Jennifer Zelvin McCloskey (25:57.818)The second place we start is investing in our trust officers, investing in the team, giving them the education that they need, continuing to give them education, providing training programs, whether they be in-house, external, bring in trainers. None of this is set it and forget it. At the individual level, I think it’s really, really important to have functions like the Individual Trustee Alliance, groups like that, where you have an ability to talk to other professionals that are doing what you’re doing. That’s another way to impress upon people that we have to manage the risk and we can’t do it all alone. Nobody knows everything. You really have to, you have to talk to other people. You have to engage. have to, what is it called when we were practicing law and we’re a little bit outside of our comfort zone, we have to consult with other people who know more than we do. It’s our obligation as lawyers. It’s the same thing with a trust company, with a trustee, whether you’re an individual or you’re not. Widen that circle. Frazer Rice (27:08.474)I think this is my idea for the day that there’s got to be a bit of a public relations campaign sort of describing what’s going on here because I think especially when we go into the family members that sort of occupy these roles, they have no earthly idea what they’re doing. They’re usually doing it for free. Everything’s hunky dory up until a point and everyone hopes that everyone is not going to sue each other if something goes wrong. But the level of wealth that’s being transferred now is now so significant that everyone sort of talks about, AI is going to get rid of lawyers. Nope, not in fiduciary litigation. I think that’s a medium term growth industry, especially around insurance, around ILITs, around revocable trusts, around elder care. But this is my advertisement for people who are in law school looking for a productive way to go. I think that one is going to be, I think that one’s recession proof, at least for a while until I retire anyway. So my thought is that awareness over these things, and it’s probably going to take a very difficult case or a class action suit, something like that, where somebody really gets hurt in order for that awareness to come up. Jennifer Zelvin McCloskey (28:24.922)Yeah, I would agree. think that some of the solutions would include better trust education, you know, whether it be for RIAs, lawyers. Trust in the states is a throwaway class in law school. And there are so many law schools that are essentially rolling it back because bar exams aren’t testing it anymore in a variety of states. And ACTEC is definitely working with the law schools to try and increase trust in the states being taught and certainly being tested. So education for lawyers coming out of law school, education for RIAs that are advising on trusts, education for trust officers, for trust administrators, trust professionals in general, clear role delineation. What is the role of the RIA? The role of the trust officer? What is the role of the trustee if they’re an individual trustee? And then creating a culture of collaboration on what we’re doing as a team for the beneficiary, not substitution, but collaboration with the advisors and the trustees. Frazer Rice (29:32.59)Let’s go into the role delineation for a second. About 20 or 30 years ago, the concept of bifurcating or sort of cordoning off the different functions I described before the investment, the administration and the distribution has come into vogue. I think that came out of frustration with bank trust companies where you got one set of advice for every trust that they had as far as investments and distributions and administration and a lot of modern larger families wanted something a little bit more specific to their needs. And that’s really turned, it’s exploded as an industry for increasing sophistication and size of wealth. Along those different functions, where maybe the administration goes to a professional trust company or a trust officer in the state that you want, Then there’s some intersection maybe in the distribution committee. And then the investment side of it is a bit of a free for all, think, depending on what you’re, dealing with. How do you educate the, that continued the delineation, but the coordination within those types of structures. Jennifer Zelvin McCloskey (30:41.275)Yeah, I think it’s really important. And I’m a Delaware lawyer. I’m licensed in multiple states, but Delaware is my home. It’s where I learned how to be a lawyer. It’s where I grew up as a lawyer. So this directed trust model that you’re describing, where you’re bifurcating, truly bifurcating these particular functionalities of a trustee, it originated in Delaware. sort of, we didn’t, I mean, we invented it, right? We codified it. It was being done, but we codified it. The idea of making sure that everybody understands what their function is and knowing that there’s a limit of liability that’s built into the instrument and communicating what that means to the RIA that is named in the document. I can’t tell you how many times I have heard companies, heard trust companies say, we’re advisor friendly. And I’m like, not unless you’re directed, you’re not. Frazer Rice (31:37.528) “THE TRUSTEE CRISIS: Navigating the Challenges”Yeah. Jennifer Zelvin McCloskey (31:40.439)If you are directed, you are 100 % advisor friendly because there’s no chance that that trustee is going to try and take the investment management. They’re not a portfolio manager. Not a clerical administrator. They’re not a passive rule follower. We need to identify what does that trustee actually do when they are an administrative or directed trustee. Clarify that role so that people who are engaged in this bifurcation, this structure where we’ve got a distribution committee, maybe it’s individuals who are close to the family, close to the beneficiaries, where you don’t have somebody who’s objectively uninvolved with the family members making decisions as to whether or not there’s a distribution that should be made. But also advising those rolls those advisors that your administrative trustee is not just a pencil put a paper pusher. Not just checking boxes. They really do add value to the role that they provide and making sure that everybody understands what each other are doing, having regular meetings amongst the team instead of operating in a vacuum or operating in a silo. And taking the approach of it’s not my job, misunderstanding trustee powers and the advisor’s authority. So when that’s delineated, when that’s really understood, not just by the advisors, but also by the beneficiaries, there are so many beneficiaries out there, Frazer, that have absolutely no idea that they actually hold all the cards. They don’t know. Frazer Rice (33:25.87)Along that line, so in the administrative, we just walked through pretty nicely. The distribution function is one that, let’s talk a little bit for a second about what it means to ask a trustee for a distribution and maybe the difference between income and principal and why having a steady hand at the wheel within that function, whether it’s a corporate trust company of qualified individual or family input in that function, why real good thought needs to go into how that’s staffed. Jennifer Zelvin McCloskey (34:04.73)Yeah, absolutely. 100%. In a corporate trustee ship or a corporate trust company structure, there’s always going to be distribution committees, right? So if you are the trustee, you’re going to have to go through a committee that’s looking at what your reasoning is for making that distribution. They’re asking questions about what have been the prior distributions? Have they come from principal? Have they come from income? What is the spend rate on that trust? How is this going to affect long-term spend rate? Is this an aberration? Is this something that’s gonna become a habit? Really understanding what the distribution, the guidelines are in the trust. What is the distribution standard? Making that decision? What are our factors? And how many people are at the table? Who’s communicating that to the beneficiary? Does the beneficiary know that the trust officer alone does not have the ability to say yes or no? That when they’re in this ecosystem of a corporate trust company, they have their checks and balances to make sure that that risk is being managed. So when you’re looking at corporate trust companies, are a lot of layers behind understanding what the distribution standard is, whether it’s hems or if it’s purely discretionary. The other thing that you need to look at when it’s not a corporate trustee and it’s an individual trustee is, how is that individual trustee making that decision? Are they doing it in a vacuum? Alone? Are they favoring one beneficiary over another because they like them more, you need to have some communication to the beneficiaries so that they understand what they are, what their interest is, what they are entitled to, if anything, and why the trustee stands in that position as the gatekeeper. And I really think in my heart of hearts, we need to make a shift from a gatekeeper trustee Jennifer Zelvin McCloskey (36:16.708)to a beneficiary enhancement trustee, where the beneficiary is really taking on the understanding that the trustee is there to facilitate enhancing the beneficiary’s life. That even though the trust may have started at the outset as a tax strategy or something that the grantor decided they needed to do with the advice of counsel. At the end of the day, you wouldn’t have been named as the beneficiary if there wasn’t some sense of love or obligation even, that it’s for your benefit. It’s in the name. Beneficiary. Trustees need to understand that and beneficiaries need to be taught. Frazer Rice (36:54.958)Right. Frazer Rice (37:00.646)And it goes to the circle back to the notion of making sure that you write down the whys of the decision because ultimately if the concepts of favoritism or you didn’t communicate this or anything, the idea of having the beneficiary submit a budget but having them understand why they are submitting a budget and then if there is some discretion that’s happening around that decision that the data points that are informing that discretion, that’s gonna keep everybody safe a lot later on. Jennifer Zelvin McCloskey (37:32.666)Absolutely. I break it down into a couple of different factors. It’s fiduciary decision making. How is that fiduciary making the decisions they’re making? Why are they making those decisions? And who is being affected by the decisions? Document interpretation. Do you understand the document that you’re administering? If you don’t understand the document you’re administering, hopefully best case scenario, you know what you don’t know and you ask. But if you don’t understand the document and you don’t even have the wherewithal to say, hey, I need help to understand the document, it’s really problematic. The third part, balancing beneficiary interests. Really taking on board this idea of the principal income problem that all the assets in the trust are not the same. That some of it doesn’t at all in any way affect a certain class of beneficiaries. And at the same time, it’s inextricably intertwined in the way that it affects another class of beneficiaries. And then risk management and governance. How is this being governed? How are we managing perceived and actual risk as a trustee? Frazer Rice (38:40.13)The investment function, which I alluded to before, I see storm clouds on that horizon, not really at the RIA level, because I think there’s sort of a default mode that investment policy statements are in place. Diversification is a true commodity at this point. And I never really worry about an RIA sort of understanding how to invest to get to a certain expected return and deal with the risks and drawdown and all that stuff. The storm cloud I see is when individuals sit in that role and they are being tasked with, let’s call it quote unquote, overseeing concentration, meaning that trust is holding a building, farmland, a nuclear reactor, crypto, all of these different things that sometimes can be, A, they have their own different maintenance responsibilities that are not just looking at a fidelity statement, but that they also have their own volatility And, you know, in the case of a building, you got to make sure it’s managed correctly. are they going to get sued or the windows kept up, all of that stuff, and that there’s a whole different component there. And I’m waiting for the shoe to drop on some fact pattern there where somebody is sitting in the role of an investment advisor. It doesn’t say trustee in the document, so they don’t really think that they have trustee liability. But. they sit in that role and all of a sudden somebody finds 10 55 gallon drums of green fluid in the basement of a building and all of a sudden the trust has a big set of red brackets that say minus $100 million that you owe to the federal government and the EPA. How do you think about that? Jennifer Zelvin McCloskey (40:21.454)Hmm. Jennifer Zelvin McCloskey (40:25.242)That’s a heavy question. so the Delaware stock answer, obviously, direct it, right? It’s just to get the trust, cut off the liability. At the first, at the inception of your hypothetical is bad drafting, right? So if there’s no statement as to whether or not your investment advisor is acting as a fiduciary or not, Frazer Rice (40:35.042)Right. Jennifer Zelvin McCloskey (40:52.836)What does your statute say? Does your statute impose that they are as a default a fiduciary or not? So that’s the very first step. That’s bad drafting. We need to know. But if it’s silent, let’s say it’s just a lousy document, there’s, God knows. Anybody who’s seen trust documents knows that, you’ve seen them all, right? And everything in between. Some are good, some are bad. If this is a bad one. Frazer Rice (41:13.08)Seen good and you’ve seen bad. Jennifer Zelvin McCloskey (41:20.079)Then we need to document the statute. If we can correct it, modify the document, let’s modify it. But if all of that can’t happen, then I would say the best way to handle it, make sure you have adequate insurance. mean, over-insure that, over-insure it. Make sure that there’s regular checks on the actual… Assets that are in the trust, if you have a concentration and that concentration is real estate, get the advice of counsel, put that bad boy into an LLC, get yourself some distance from the actual asset itself being held in the trust, hold an interest, hold a financial interest, push it down to the corporate level. But if you can’t do all of that and you’ve got those 500 gallon drums of green fluid and now you’re… Frazer Rice (42:14.286)You Jennifer Zelvin McCloskey (42:15.371)You you’ve got a super fun site. What do you do? You don’t shy away from it. Have to address it head on. You got to take the accountability. You got to communicate and document, communicate and document some more. Talk to your beneficiaries. Make sure that they’re aware of where it went wrong, why it went wrong. Because I have found in my exposure in the industry over time and in reading case law, it’s when you’re trying to cover stuff up. Frazer Rice (42:43.913)Jennifer Zelvin McCloskey (42:44.027)You’re just making more problems. Bad news doesn’t age well. It doesn’t get better over time. You have to approach it head on and make sure that there’s communication and documentation. Meet with your beneficiaries. If there’s a trusteeship where you are appointed as a trustee individually and you’re not having at least quarterly meetings with your beneficiaries, If you’re not going out and seeing the asset, if you’re not going out and making sure that the asset is properly custodyed, you’re not, you’re violating your fiduciary duty. You are not doing what you’re supposed to do. Frazer Rice (43:21.804)You brought up an interesting word there, custody, which is the administrative function, whether held corporately or individually, one of the major things you have to do is to safeguard the assets. And that’s a big two syllable word that carries a lot of weight with it. That custodial function, how do you teach the trust officers or the individual trustees where that starts and stops? Jennifer Zelvin McCloskey (43:48.579)Yeah, mean, custody is super, it’s a really touchy, touchy subject, especially with the dynamic way that trusts have developed in the current climate from tangibles. You know, I’ve got artwork and my beneficiary wants to hang the artwork in their house. Well, do you have custody? Has it been assigned to the trustee and how do you maintain that asset? Make sure nothing’s happening to it. Do make an appointment, go over to the, visit your artwork? What if it’s prize horses, you know? What if it’s, you know, a stud that, you know, we’re gonna need to breed and it’s gonna be the next Triple Crown winner? How do you make sure that the barn is properly safeguarded? It’s a really touchy subject, especially with things like tangibles and things like assets held away when you technically custody the asset, but you don’t have control over the asset. I think in the education part for custodying, what I do in my programs and when I teach this is I make sure that we talk about different types of asset classes. And what the risks, again, what are the risks that you run with these asset classes? How can we manage the actual and the perceived risk of holding that asset? Even if you have custody and name only, but you don’t have physical custody, how do you maintain your control over that asset? Because it’s really the C’s, right? The custody and control. Just because you don’t have custody doesn’t mean you don’t have control. So we have to make sure that there’s an education that’s provided about the different asset classes, whether it’s tangibles, intangibles, assets held away, if it’s a concentration of stock, if it’s crypto, and most trust companies are not taking crypto. I think that there’s like a circuitous way that they’re getting in right now, but it all boils down to education, isolating what the issue is and educating people on it. Frazer Rice (45:59.586)I’ll give you a third C, it’s consequences, which is what happens when you don’t understand these functions. on the crypto side of things, Jennifer Zelvin McCloskey (46:01.786)Uhhh Frazer Rice (46:11.544)Holds the key to get to the crypto. What happens if that trust officer quits and walks away with the key and they’re like, well, multi-sigil figure this out. I’m like, okay, that’s not that. That doesn’t make me feel great at the moment. And now there have been some advances, which is good, but traps for the unwary to be sure. the good news too for crypto is for people who want exposure, the spot ETFs take away 90 % of the problems with that. But as we start to think about winding down here, because I have a feeling we could probably talk for four or five hours on this subject, when putting your programs together, what does a curriculum look like? And we don’t have to go through it bit by bit, but how does that work when someone comes to your program? How much time does it take? What’s the commitment? Jennifer Zelvin McCloskey (46:47.172)Yeah, I think so. Frazer Rice (46:54.851)Mm-hmm. Jennifer Zelvin McCloskey (47:06.33)So the program that I created that’s really available anywhere across the country is called the Peak Trust Management Certificate Program. Peak Trust Company, may be familiar with it. They have name rights because they gave the donation to the University of Delaware for me to build the program. So it’s housed at the Lerner College at the University of Delaware, but bears the name of Peak Trust Company. I look at five different things. The first thing is trust law and administration. So like I said previously when we were talking, you lay that foundation of what is the legal component of this? What is the baseline that people have to know? And then what is the administration? The second component is, and it’s inextricably intertwined as taxation. What is the income tax? What are the deductions? And now let’s take all of that income tax knowledge, individual income tax knowledge, and build on it with fiduciary income tax. What is DNI? What is FAI? How does it go out to the beneficiary? What’s the character of the distribution? How do we manage that? What are we deducting in the trust? So teaching taxation and not because trustees necessarily are tax preparers, but because the trustees obligation is to be able to understand and read that tax return, they need to know how to spot problems. So from my perspective, teaching fiduciary income tax is a critical component. It also helps. Yeah. Frazer Rice (48:38.828)No, no, I was gonna say no question about that. And there are elections to make, just because it doesn’t just go on autopilot, there are choices to be made so that if you’re the trustee, you may not have to prepare the tax return, but you may have to make a choice on the tax return and you’ve got to be informed because that can be an issue. Jennifer Zelvin McCloskey (48:58.651)65 day elections, perfect example, right? You just, you need to understand what your role is and how it overlaps with that of the CPA. The third part, of course, investments. Investments are inextricably intertwined, whether you’re doing it yourself as the trustee or you’re directed or even delegated, which is like the hairy scaries of every trusteeship known to man, because you’re not actually in control, but you’re responsible. So it’s the gray. When I build a program, because of the, you know, the directed trusteeship being so popular in today’s day and age, we have to talk about not just investments of, you know, marketable securities, not just the custody of tangibles, but also subscription documents, because so many alternatives are held in trust right now. unique assets, need to know how the trustee is actually carrying out their fiduciary duty when it comes to engaging in an investment that is an alternative investment. The fourth component is of course compliance. We cannot ever get away from compliance and I think we could do a whole nother podcast on compliance in trusteeship but. You know, it’s a regulated entity. And even if you’re an individual trustee and you’re not using what those compliance frameworks are, what the guidelines are by OCC, Reg 9, FDIC, if you’re not looking at that and using that as a guideline, don’t do the job. understanding KYC, BSA, AML, all of those compliance components that have tentacles. That’s the fourth part. And then for the fifth part of this program, because it’s specifically geared toward trustee education in trust companies, although it can be applicable, very applicable to individuals, is operations. I was very fortunate that I was able to partner with SCI on building the operations component. So we license their platform called Plato. It’s essentially their training platform. Jennifer Zelvin McCloskey (51:12.888)so that trustees can see how fees are set up, fees, that’s a whole other podcast, fees, statements, distributions, how are we doing this? How are we documenting everything? What are the logistics of the day-to-day operations? So that’s how I built the program and it’s available anywhere in the country. It’s 10 weeks, how long does it take? I would say from three to five hours a week of an investment that you’re making at a bare minimum. Obviously there’s a whole lot more of depth that you can go into. The resources are built in. But I would say 10 weeks, about 50 hours of time where you’re actually engaging with the material. And then I bring in guest lecturers on each different area of expertise for lack of a better description. And they get a certificate at the end, they get a digital badge, and now they really have something where they can add value day one in a trust company or as a trustee. Frazer Rice (52:17.902)With Delaware being, you one of the real gold standards as far as trust jurisdiction, I assume that everything that comes out of this program is pretty transportable to the other useful jurisdictions, let’s call it, within the country. know, the Tennessee’s, the South Dakota’s, the Nevada’s, the Alaska’s, Wyoming’s, New Hampshire’s, et cetera. Obviously, there are hairs to split with different foibles in their law, but everything that you’re describing sounds like works everywhere else. Jennifer Zelvin McCloskey (52:47.928)And I’ve always taken the approach, you’re 100 % correct, I’ve always taken the approach of UTC. I base everything off of UTC and if there’s something different or unique based upon the jurisdiction that you’re in, I always encourage people you have to look at your statute, you have to look at the jurisdiction that you’re actually practicing this in and administering in. I use Delaware, South Dakota, Alaska as examples quite often when we’re talking about the directed stuff, but By and large, it’s UTC. Frazer Rice (53:20.966)It just a weird subset. So special needs trusts and islets, which are two types of trusts, very specific. One holds life insurance. The other is designed to really take care of people who can’t take care of themselves. And they are types of trusts that a lot of trust companies don’t like to take on because the liability is harder or the profit margin is less. For those individuals who get the opportunity to participate in those and I put that in air quotes. How would you advise people to get ready for those types of situations? Jennifer Zelvin McCloskey (53:58.308)People who are in need of those types of trusts. Frazer Rice (54:02.122)Well, maybe both. The people who need those trusts, you know, they’re going to, they, you know, it’s almost like they get set up and then the staffing gets kind of figured out later, barely. And then, you know, the, for the people who end up taking on that role, they really have no idea of what they’re in for in a sense. Is there sort of like a mini, I’m not going to say a full course like you’re describing, but a crash course in, in what’s going on here and what can I do to keep myself safe? Jennifer Zelvin McCloskey (54:30.271)Unfortunately, no, I don’t know of one. and there isn’t much built in. there’s, we talk about a little bit in the program that I built, but, those are specialized and eyelets we talk about a little bit more there, you eyelets had their day and sort of they has done ish. but special needs trust. It’s a whole other ball game because It really incorporates state law and social security and Medicaid, all of those government benefits that I think you would need something more specialized than my program that I developed. And I don’t have a great answer for that, I’m sorry. Frazer Rice (55:12.482)No, there’s not a great answer for it because it’s tough. it’s a, all of which is to say for someone who’s involved with those things and feels confused by what’s going on, that’s one where it’s worth it to spend the money to lean on a dedicated Medicaid elder care, special needs type of lawyer on that front because there are traps for the unwary. Okay, now we’re starting to butt up against an hour here of. Jennifer Zelvin McCloskey (55:29.764)Yes . . . Frazer Rice (55:38.827)Four hours. No, I’m kidding listeners. We’re not going to talk for four hours, but How do people find your program and and then I’ll ask a bonus question at the end Jennifer Zelvin McCloskey (55:49.339)So the program is on the University of Delaware’s website. You just type in peak trust management certificate and it’ll pop up. My name will be there. I think my picture might be there. It’s all over my LinkedIn. So if you look me up, you’re going to see the peak trust management certificate program. You can always email me, jennifer at zeldenlaw.com. Happy to push people into it. start, I’m in the new cohort right now. We’re two weeks into a 10 week program. But we have a new cohort starting in May. I think it’s May 4th. So may the fourth be with you. Frazer Rice (56:24.622)Terrific. So the final question here is really more of a crystal ball question. In this trust industry, trustee industry, what are the real, I’m going to say opportunities out there, and we’ve sort of painted a picture of doom and gloom and its low profit margin and things like that. Where can someone who is thinking from a business perspective about this find something? Once they’re properly educated about it and being able to participate in it. Jennifer Zelvin McCloskey (56:57.582)There are so many opportunities. There is an absolute need for good trustees everywhere. Trust companies from coast to coast, individual trustee alliance. People really, really need trustees. There’s tremendous opportunity with Heritage Institute, not the Heritage Foundation, but the Heritage Institute. There’s opportunities with…various family offices and various trust companies for education, for beneficiary education. So many opportunities out there. Trust companies are just clamoring for people. So if people are interested in becoming a trustee, getting that education, you will not have a hard time finding a job. Like you said, it’s basically recession proof. This wealth is going to transfer. We need sophisticated, knowledgeable trustees. on the receiving end of that transfer so that it happens correctly. Frazer Rice (57:56.578)I’d go so far as to say financial advisors. I just gotta say, a CFP is useful, CFA is on your investment side, but something like this, you know so much more about how intergenerational wealth works than what’s happening in those particular situations that I think it helps people stand out when I see something like that on a resume. Jennifer Zelvin McCloskey (58:00.302) “THE TRUSTEE CRISIS: Navigating the Challenges”That’s all the podcast. I hear you. I hear you. Frazer Rice (58:24.386) “THE TRUSTEE CRISIS: Navigating the Challenges”All right, with that, Jennifer, it’s great to catch up and I will have all of your information on the show notes and I will either see you at the ITA conference in Dallas or what I’m down in Delaware next. More Around “THE TRUSTEE CRISIS: Navigating the Challenges” BUILDING A TRUST COMPANY TENNESSEE AS A JURISDICTION DIRECTED TRUSTEES DELAWARE WELL BEING TRUST THE TRUSTEE CRISIS: Navigating the Challenges https://www.amazon.com/Wealth-Actually-Intelligent-Decision-Making-1-ebook/dp/B07FPQJJQT/ Keywords for THE TRUSTEE CRISIS: Navigating the Challenges trusteeship, wealth transfer, trust management, fiduciary duties, trust education, estate planning, risk management, trust administration, individual trustees, trust companies, the trustee crisis, navigating the challenges, the great wealth transfer,

god university trust ai education talk crisis challenges building opportunities navigating managing tennessee emotional financial responsibility llc alaska improving consequences nevada perception investments new hampshire wyoming communicating cpa delaware assets south dakota separate holds pipeline trustees curriculum cfp document epa medicaid plato eq mm etfs diversification functions cfa clarify reg heritage foundation triple crown ria terrific fdic ita beneficiaries fai 2x dni aml layered kyc utc frazer 5x managing risk occ widen uncle joe bsa rias custodial bifurcation podcast consultant coming crisis trusteeship lerner college wilmington trust heritage institute frazer rice ctfa

Kirstie Marshall

Play Episode Listen Later Mar 9, 2026 2:01

rWotD Episode 3231: Kirstie Marshall Welcome to random Wiki of the Day, your journey through Wikipedia's vast and varied content, one random article at a time.The random article for Monday, 9 March 2026, is Kirstie Marshall.Kirstie Claire Marshall (born 21 April 1969) is an Australian aerial skier and Victorian state politician.Marshall was an ex-gymnast who became an aerial skier at Mount Buller, Victoria. During her skiing career Marshall won over 40 World Cup medals, including 17 World Cup gold medals. Marshall competed in aerial skiing as a demonstration sport at the 1992 Albertville Winter Olympics, and as a medal event at the 1994 Lillehammer and 1998 Nagano games, where she came sixth and fourteenth, respectively.In December 2002, aged 33, Marshall was elected as a Member of Parliament in the Victorian Legislative Assembly for the Labor Party.On 26 February 2003, she was ejected from the Lower House chamber for breastfeeding her 11-day-old baby, Charlotte Louise. A section of the Parliamentary rules, namely Standing Order 30, states: "Unless by order of the House, no Member of this House shall presume to bring any stranger into any part of the House appropriated to the Members of this House while the House, or a Committee of the whole House, is sitting." As there is no age limit to 'strangers in the House' (non-elected persons), only MPs and certain parliamentary staff are allowed in the House during sitting times.Subsequently, the Speaker of the House set aside a room in which female MPs can feed their children without violating the Standing Orders.This recording reflects the Wikipedia text as of 01:19 UTC on Monday, 9 March 2026.For the full current version of the article, see Kirstie Marshall on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @wikioftheday@masto.ai.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm neural Matthew.

Zungeni Mountain skirmish

Play Episode Listen Later Mar 9, 2026 2:28

fWotD Episode 3230: Zungeni Mountain skirmish Welcome to featured Wiki of the Day, your daily dose of knowledge from Wikipedia's finest articles.The featured article for Monday, 9 March 2026, is Zungeni Mountain skirmish.The Zungeni Mountain skirmish took place on 5 June 1879 between British and Zulu forces during the second invasion of Zululand, in what is now South Africa, during the later stages of the Anglo-Zulu War. British irregular horse commanded by Colonel Redvers Buller discovered a force of 300 Zulus at the settlement of eZulaneni near Zungeni Mountain. The horsemen charged towards and scattered the Zulus before burning the settlement. Buller's men withdrew after coming under fire from Zulus who threatened to surround them.Buller's men were joined by more irregulars and a force of British regular cavalry, the latter under the command of Major-General Frederick Marshall. Two squadrons of the 17th (The Duke of Cambridge's Own) Lancers, led by Colonel Drury Drury-Lowe, approached the Zulu position. They could not close with the Zulus, who were in an area of long grass and bushes, and Zulu fire killed the 17th Lancers' adjutant, Lieutenant Frederick John Cokayne Frith. Drury-Lowe ordered some of his men to dismount and return fire. When the Zulus threatened to outflank the British, Marshall ordered a withdrawal. Aside from Frith, British casualties included two irregulars wounded; two months after the battle, the remains of 25 Zulus were discovered on the battlefield. After the skirmish, the British paused to fortify their camp before proceeding further into Zululand. They then decisively defeated the Zulu in the 4 July Battle of Ulundi.This recording reflects the Wikipedia text as of 00:20 UTC on Monday, 9 March 2026.For the full current version of the article, see Zungeni Mountain skirmish on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Bluesky at @wikioftheday.com.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm neural Jasmine.

education british south africa mountain wikipedia cambridge blue sky corner wiki zulu utc skirmish curmudgeon buller lancers frith zulus zululand

Men's T20 World Cup

Play Episode Listen Later Mar 9, 2026 2:47

pWotD Episode 3232: Men's T20 World Cup Welcome to popular Wiki of the Day, spotlighting Wikipedia's most visited pages, giving you a peek into what the world is curious about today.With 408,441 views on Sunday, 8 March 2026 our article of the day is Men's T20 World Cup.The ICC Men's T20 World Cup, formerly the ICC World Twenty20, is a biennial world cup for cricket in Twenty20 International (T20I) format, organised by the International Cricket Council (ICC). It was held in every odd year from 2007 to 2009, and since 2010 has been held in every even year with the exception of 2018 and 2020. In 2018, the tournament was rebranded from the World Twenty20 to the Men's T20 World Cup.The 2011 edition of the tournament was brought forward to 2010 to replace the ICC Champions Trophy. In May 2016, the ICC put forward the idea of having a tournament in 2018, with South Africa being the possible host country, but later dropped the idea due to multiple bilateral series taking place that year. The 2020 edition of the tournament was scheduled to take place in Australia but due to the COVID-19 pandemic, the tournament was postponed until 2021, with the intended host changed to India. The 2021 Men's T20 World Cup was later relocated to the United Arab Emirates and Oman due to problems relating to the COVID-19 pandemic in India, taking place five years after the previous (2016) iteration.As of 2026, ten editions have been played, a total of 24 teams have competed and six national teams have won the T20 World Cup so far. India hold the most victories, (2007, 2024, 2026) as they have won the competition three times. West Indies (2012, 2016) and England (2010, 2022) have won it twice, and Pakistan (2009), Sri Lanka (2014), and Australia (2021) have one title each. A total of 15 countries have hosted the tournament (including 6 island nations of the West Indies).This recording reflects the Wikipedia text as of 03:19 UTC on Monday, 9 March 2026.For the full current version of the article, see Men's T20 World Cup on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Bluesky at @wikioftheday.com.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm neural Emma.

covid-19 australia education men england south africa popular wikipedia pakistan sri lanka blue sky corner oman united arab emirates wiki icc west indies utc t20 world cup curmudgeon icc champions trophy icc world twenty20 world twenty20

Lombardia Spettacoli 16 30 del 09-03-2026

Play Episode Listen Later Mar 9, 2026 2:51

Puntata del Mon, 09 Mar 2026 15:32:58 UTC

utc lombardia spettacoli

Lombardia Spettacoli 14 30 del 09-03-2026

Play Episode Listen Later Mar 9, 2026 2:47

Puntata del Mon, 09 Mar 2026 13:33:10 UTC

utc lombardia spettacoli

Linea Rock del 09-03-2026

Play Episode Listen Later Mar 9, 2026 113:15

Puntata del Mon, 09 Mar 2026 21:00:37 UTC

rock utc

Gr Regionale 17 30 del 09-03-2026

Play Episode Listen Later Mar 9, 2026 4:07

Puntata del Mon, 09 Mar 2026 16:34:15 UTC

utc regionale

Gr Regionale 14 00 del 09-03-2026

Play Episode Listen Later Mar 9, 2026 3:21

Puntata del Mon, 09 Mar 2026 13:02:51 UTC

utc regionale

Gr Regionale 13 30 del 09-03-2026

Play Episode Listen Later Mar 9, 2026 2:59

Puntata del Mon, 09 Mar 2026 12:32:45 UTC

utc regionale

Luisa Capetillo

Play Episode Listen Later Mar 8, 2026 3:21

fWotD Episode 3229: Luisa Capetillo Welcome to featured Wiki of the Day, your daily dose of knowledge from Wikipedia's finest articles.The featured article for Sunday, 8 March 2026, is Luisa Capetillo.Luisa Capetillo Perón (October 28, 1882 – April 10, 1922) was a Puerto Rican labor organizer, writer, journalist, and cigar factory reader. She organized workers in Puerto Rico, the Republic of Cuba, the Dominican Republic, and the United States. She also published four books in her lifetime, covering a wide variety of forms, genres, and topics. As an anarcha-feminist and social anarchist, she advocated for free love, universal education, women's liberation, and collective ownership of scientific advances while opposing state control.Capetillo was born in Arecibo, in the Captaincy General of Puerto Rico. Her father taught her to read and write, and she read extensively, including works by influential political thinkers. In 1897, she took Manuel Ledesma, the son of a wealthy aristocrat, as her lover. The two separated in 1900, but their relationship influenced her later feminist works. She began writing for the local newspaper in 1904, and in 1905, she became involved with the Free Federation of Workers (Spanish: Federación Libre de Trabajadores de Puerto Rico, FLT), an anarcho-syndicalist union, helping organize an agricultural strike in Arecibo. In 1906, she became a reader at a cigar factory, reading to the cigar makers as they worked and meeting members of the FLT-affiliated Federation of Tobacco Rollers (Spanish: Federación de Torcedores de Tabaco, FTT) and becoming a leader in the FLT over time. Starting in 1912, she moved across the Atlantic and Caribbean, writing and organizing workers. In 1915, she was arrested in Cuba for wearing trousers and deported back to Puerto Rico. She continued to travel and organize until her death in 1922.Interest in Capetillo's life surged in 1990 with the publication of the biography Luisa Capetillo, historia de una mujer proscrita (transl. Luisa Capetillo, History of an Outlawed Woman) by journalist Norma Valle Ferrer. After this, Capetillo became the subject of a docudrama series, and in 2014, the Legislative Assembly of Puerto Rico honored her with a plaque in the Plaza in Honor of Puerto Rican Women in San Juan. She is considered one of Puerto Rico's first feminists and, according to historian Jorrell A. Meléndez-Badillo, she was an influential node in an anarchist "counter-republic of letters": a network of writers who used their writing as a form of political struggle.This recording reflects the Wikipedia text as of 00:45 UTC on Sunday, 8 March 2026.For the full current version of the article, see Luisa Capetillo on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @wikioftheday@masto.ai.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm generative Ruth.

Mukhtar Ablyazov

Play Episode Listen Later Mar 8, 2026 2:46

rWotD Episode 3230: Mukhtar Ablyazov Welcome to random Wiki of the Day, your journey through Wikipedia's vast and varied content, one random article at a time.The random article for Sunday, 8 March 2026, is Mukhtar Ablyazov.Mukhtar Qabyluly Ablyazov (Kazakh: Мұхтар Қабылұлы Әблязов, Mūhtar Qabylūly Äbliazov; born 16 May 1963) is a Kazakh opposition leader, businessman and political activist who served as chairman of Bank Turan Alem (BTA Bank), and is a co-founder and a leader of the unregistered political party Democratic Choice of Kazakhstan (QDT). He was also the former head of the state-owned Kazakhstan Electricity Grid Operating Company (KEGOC) as well as briefly holding the position of Minister for Energy, Industry, and Trade under Balgimbayev's cabinet before resigning from and joining the opposition against President Nursultan Nazarbayev. In November 2001, he, along with other former Kazakh government officials founded the Democratic Choice of Kazakhstan (QDT). As result, Ablyazov was imprisoned in March 2002 over accusations of financial fraud and political abuse until being pardoned by Nazarbayev in 2003. After being released from prison, he ceased his formal political activities with the opposition.Ablyazov has been accused of embezzling $6 billion from BTA Bank while serving as chairman. In 2015, a French court in Lyon issued an extradition order. However, in December 2016, France's highest administrative court, the Conseil d'Etat, canceled the extradition order, on the ground that Russia had a political motive in making the extradition request. Ablyazov was subsequently released from the Fleury-Mérogis Prison and was believed to reside in Paris. The UK High Court of Justice has twice issued arrest warrants on Ablyazov; most recently on 25 July 2019, and extended to 22 months a court-ordered detention originating in 2012 for a contempt of court judgement. In September 2020, Ablyazov obtained the status of political refugee in France.On December 9, 2022, CNDA finally deprived Ablyazov of political asylum in France. In July 2023, Ablyazov posted on his Facebook that he was ordered to leave French territory within 30 days.This recording reflects the Wikipedia text as of 00:38 UTC on Sunday, 8 March 2026.For the full current version of the article, see Mukhtar Ablyazov on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Bluesky at @wikioftheday.com.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm generative Stephen.

education france energy french russia trade prison minister wikipedia lyon blue sky corner conseil wiki utc kazakh curmudgeon auml mukhtar fleury m nazarbayev

Soham murders

Play Episode Listen Later Mar 8, 2026 1:56

pWotD Episode 3231: Soham murders Welcome to popular Wiki of the Day, spotlighting Wikipedia's most visited pages, giving you a peek into what the world is curious about today.With 701,993 views on Saturday, 7 March 2026 our article of the day is Soham murders.The Soham murders were a double child murder committed in Soham, Cambridgeshire, England, on 4 August 2002. The victims were two 10-year-old girls, Holly Marie Wells and Jessica Amiee Chapman, who were lured into the home of a local resident and school caretaker, Ian Huntley, who murdered them – likely via asphyxiation – and disposed of their bodies in an irrigation ditch close to RAF Lakenheath in Suffolk. The bodies were discovered on 17 August 2002.Huntley was convicted of the murder of both girls on 17 December 2003 and sentenced to two terms of life imprisonment, with the High Court later imposing a minimum term of 40 years. His girlfriend, Maxine Ann Carr – the girls' teaching assistant – had knowingly provided Huntley with a false alibi. She received a three-and-a-half-year prison sentence for conspiring with Huntley to pervert the course of justice. Huntley died in March 2026, after sustaining severe head injuries inflicted in an attack by another inmate at HMP Frankland.The search for Holly and Jessica in the thirteen days of their disappearance has been described as one of the most intense and extensive in British criminal history.This recording reflects the Wikipedia text as of 03:00 UTC on Sunday, 8 March 2026.For the full current version of the article, see Soham murders on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @wikioftheday@masto.ai.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm standard Russell.

education england british murder popular wikipedia corner mastodon wiki high court suffolk utc huntley cambridgeshire curmudgeon soham ian huntley raf lakenheath

Mean (song)

Play Episode Listen Later Mar 7, 2026 3:30

fWotD Episode 3228: Mean (song) Welcome to featured Wiki of the Day, your daily dose of knowledge from Wikipedia's finest articles.The featured article for Saturday, 7 March 2026, is Mean (song)."Mean" is a song written and recorded by the American singer-songwriter Taylor Swift for her third studio album, Speak Now (2010). Big Machine Records released it to country radio in the United States as the album's third single on March 7, 2011. Produced by Swift and Nathan Chapman, "Mean" is a six-string banjo-led country, country pop, and bluegrass track that incorporates fiddles, mandolins, hand claps, and multitracked vocals. In the lyrics, Swift addresses her detractors, recognizes her shortcomings, and strives to overcome the criticism and achieve success.Some music critics deemed "Mean" an anti-bullying anthem and praised the production as airy and catchy, while others considered the narrative ineffective. Several media publications have retrospectively listed it as one of the best country songs. "Mean" won Best Country Song and Best Country Solo Performance at the 2012 Grammy Awards, and also received other industry awards and nominations. The track reached the national charts of Australia, Canada, and the United States, peaking at number two on the country music charts in the latter two countries. It received certifications in Australia, Brazil, Canada, New Zealand, the United Kingdom, and the United States.The music video for "Mean" was directed by Declan Whitebloom, who wrote its treatment with Swift. Featuring themes of self-empowerment and anti-bullying, the video received a mixed response from critics, who generally criticized its viewpoint on bullying as stereotypical and deemed its concept confusing. The video received nominations at the MTV Video Music Awards, the Academy of Country Music Awards, and the Country Music Association Awards. Swift included "Mean" in the set lists of the Speak Now World Tour (2011–2012) and the Red Tour (2013–2014), and performed it on some dates of her later tours.Following a 2019 dispute regarding the ownership of her back catalog, Swift re-recorded the song as "Mean (Taylor's Version)" for her third re-recorded album, Speak Now (Taylor's Version) (2023). The track peaked at number 33 on the Billboard Global 200 and reached the national charts of Australia, Canada, New Zealand, the Philippines, Singapore, and the United States.This recording reflects the Wikipedia text as of 01:00 UTC on Saturday, 7 March 2026.For the full current version of the article, see Mean (song) on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Bluesky at @wikioftheday.com.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm standard Aditi.

united states american canada australia education song new zealand united kingdom brazil taylor swift academy singapore philippines wikipedia swift grammy awards blue sky corner wiki utc aditi mtv video music awards country music awards curmudgeon speak now best country songs big machine records speak now taylor nathan chapman country music association awards red tour billboard global

Crypsitricha roseata

education new zealand wikipedia corner wellington mastodon wiki utc curmudgeon

Play Episode Listen Later Mar 7, 2026 1:48

rWotD Episode 3229: Crypsitricha roseata Welcome to random Wiki of the Day, your journey through Wikipedia's vast and varied content, one random article at a time.The random article for Saturday, 7 March 2026, is Crypsitricha roseata.Crypsitricha roseata is a species of moth in the family Tineidae. It was described by Edward Meyrick in 1913. This species is endemic to New Zealand. The type locality of this species is the suburb of Wadestown, in Wellington.The wingspan is about 12 mm. The forewings are light rosy-purple-brownish with about eight small blackish costal marks and an irregular brown mark on the fold towards the base, terminated by a few blackish scales, and edged with some whitish suffusion. There is a narrow oblique brown fascia from before the middle of the costa to beyond the middle of the dorsum, partially edged with blackish posteriorly. A streak of brown suffusion runs from the middle of the disc to the middle of the termen, including a line of black scales, and edged above posteriorly by a fine white streak. The hindwings are grey.This recording reflects the Wikipedia text as of 01:05 UTC on Saturday, 7 March 2026.For the full current version of the article, see Crypsitricha roseata on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @wikioftheday@masto.ai.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm long-form Gregory.

Kristi Noem

Play Episode Listen Later Mar 7, 2026 3:04

pWotD Episode 3230: Kristi Noem Welcome to popular Wiki of the Day, spotlighting Wikipedia's most visited pages, giving you a peek into what the world is curious about today.With 702,642 views on Friday, 6 March 2026 our article of the day is Kristi Noem.Kristi Lynn Arnold Noem ( NOHM; née Arnold; born November 30, 1971) is an American politician who has served as the 8th United States secretary of homeland security since January 2025. A member of the Republican Party, she served as the 33rd governor of South Dakota from 2019 to 2025 and represented South Dakota's at-large congressional district in the U. S. House of Representatives from 2011 to 2019.Born in Watertown, South Dakota, Noem began her political career in the South Dakota House of Representatives, serving from 2007 to 2011. Noem was elected as the first female governor of South Dakota in 2018 with the endorsement of President Donald Trump. She gained national attention during the COVID-19 pandemic for opposing statewide mask mandates in favor of voluntary measures. Noem has conservative positions on most domestic issues, particularly gun rights, abortion, and immigration. During her tenure as Secretary of Homeland Security, her immigration policies generated significant controversy.Noem is a farmer, rancher, and member of the Civil Air Patrol. She has published two autobiographies, Not My First Rodeo: Lessons from the Heartland (2022) and No Going Back (2024), the latter of which sparked controversy for its account of her killing a young family dog and false claims about meeting with foreign leaders. Donald Trump nominated her as his secretary of homeland security. She was confirmed by a Senate vote of 59–34, and was officially sworn in on January 25, 2025.Following the killings of Renée Good and Alex Pretti in January 2026, Noem faced questions of judgment from some lawmakers, including calls for her resignation and possible impeachment. After reports of her relationship with the political operative Corey Lewandowski and her use of government funding on television advertisements and private luxury jets emerged, criticism mounted from Congress and Trump. In March, Noem appeared before the Senate Committee on the Judiciary. Noem's testimony before the committee intensified Trump's dissatisfaction with her. That month, Trump fired Noem and announced that Oklahoma senator Markwayne Mullin would succeed her, nominating him to the position. Noem is set to leave her position on March 31.This recording reflects the Wikipedia text as of 02:18 UTC on Saturday, 7 March 2026.For the full current version of the article, see Kristi Noem on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @wikioftheday@masto.ai.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm standard Russell.

Nick House

Play Episode Listen Later Mar 6, 2026 1:21

rWotD Episode 3228: Nick House Welcome to random Wiki of the Day, your journey through Wikipedia's vast and varied content, one random article at a time.The random article for Friday, 6 March 2026, is Nick House.Nicholas Martin House (born September 1974), known as Nick House, is a British entrepreneur and nightclub owner. Based in London, his venues cater to celebrities and royals.He is the co-owner of Mahiki (a Polynesian-themed nightclub and cocktail bar), Whiskey Mist, Bodo's Schloss and Mayfair's The Punch Bowl, owned with Guy Ritchie and Madonna. He co-founded Steam & Rye with Kelly Brook in the City of London.This recording reflects the Wikipedia text as of 01:05 UTC on Friday, 6 March 2026.For the full current version of the article, see Nick House on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Bluesky at @wikioftheday.com.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm standard Kimberly.

education british wikipedia steam blue sky corner wiki guy ritchie rye polynesian schloss mayfair utc bodo punchbowl curmudgeon kelly brook

Paradises Lost

Play Episode Listen Later Mar 6, 2026 2:17

fWotD Episode 3227: Paradises Lost Welcome to featured Wiki of the Day, your daily dose of knowledge from Wikipedia's finest articles.The featured article for Friday, 6 March 2026, is Paradises Lost.Paradises Lost is a science fiction novella by American author Ursula K. Le Guin. It was first published in 2002 as a part of the collection The Birthday of the World. It is set during a multigenerational voyage from Earth to a potentially habitable planet. The protagonists, Liu Hsing and Nova Luis, are members of the fifth generation born on the ship. The story follows them as they deal with members of a religious cult who believe the ship ought not to stop at its intended destination. They also face a crisis brought on by a drastic change in the ship's schedule. The novella has since been anthologized as well as adapted into an opera of the same name.The novella explores the isolation brought on by space travel, as well as themes of religion and utopia. It contains elements of ecocriticism, or a critique of the idea that human beings are altogether separate from their natural environment. The novella and the collections in which it was published received high praise from commentators. For its generation ship setting and examination of utopia, critics compared it to other Le Guin works such as "Newton's Sleep", and The Telling, as well as to the works of Gene Wolfe and Molly Gloss. Scholar Max Haiven described the novella as "a chastening lesson in both the potential and the perils of freedom", while author Margaret Atwood said that it "shows us our own natural world as a freshly discovered Paradise Regained, a realm of wonder".This recording reflects the Wikipedia text as of 00:56 UTC on Friday, 6 March 2026.For the full current version of the article, see Paradises Lost on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @wikioftheday@masto.ai.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm standard Emma.

american world earth education lost sleep wikipedia newton corner mastodon wiki margaret atwood utc ursula k le guin le guin curmudgeon paradise regained gene wolfe paradises

Markwayne Mullin

united states american donald trump education oklahoma senate popular wikipedia republican party corner mastodon cherokees wiki kristi noem utc mullin cherokee nation curmudgeon jim inhofe

Play Episode Listen Later Mar 6, 2026 1:50

pWotD Episode 3229: Markwayne Mullin Welcome to popular Wiki of the Day, spotlighting Wikipedia's most visited pages, giving you a peek into what the world is curious about today.With 1,089,123 views on Thursday, 5 March 2026 our article of the day is Markwayne Mullin.Markwayne Mullin (born July 26, 1977) is an American politician and businessman who has served as the junior United States senator from Oklahoma since 2023. A member of the Republican Party, he was elected in a special election in 2022 to serve the remainder of Jim Inhofe's term.A member of the Cherokee Nation, Mullin is the first Native American U. S. senator since Ben Nighthorse Campbell retired in 2005. He is also the second Cherokee citizen elected to the Senate since 1925. From 2013 to 2023, Mullin served as the U. S. representative for Oklahoma's 2nd congressional district. In March 2026, President Donald Trump nominated Mullin as the secretary of homeland security, to replace Kristi Noem.This recording reflects the Wikipedia text as of 02:28 UTC on Friday, 6 March 2026.For the full current version of the article, see Markwayne Mullin on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @wikioftheday@masto.ai.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm standard Brian.

Mutualism (biology)

Play Episode Listen Later Mar 5, 2026 4:25

rWotD Episode 3227: Mutualism (biology) Welcome to random Wiki of the Day, your journey through Wikipedia's vast and varied content, one random article at a time.The random article for Thursday, 5 March 2026, is Mutualism (biology).Mutualism describes the ecological interaction between two or more species where each species has a net benefit. Mutualism is a common type of ecological interaction. Prominent examples are:the nutrient exchange between vascular plants and mycorrhizal fungi,the fertilization of flowering plants by pollinators,the ways plants use fruits and edible seeds to encourage animal aid in seed dispersal, andthe way corals become photosynthetic with the help of the microorganism zooxanthellae.Mutualism can be contrasted with interspecific competition, in which each species experiences reduced fitness, and exploitation, and with parasitism, in which one species benefits at the expense of the other. However, mutualism may evolve from interactions that began with imbalanced benefits, such as parasitism.The term mutualism was introduced by Pierre-Joseph van Beneden in his 1876 book Animal Parasites and Messmates to mean "mutual aid among species".Mutualism is often conflated with two other types of ecological phenomena: cooperation and symbiosis. Cooperation most commonly refers to increases in fitness through within-species (intraspecific) interactions, although it has been used (especially in the past) to refer to mutualistic interactions, and it is sometimes used to refer to mutualistic interactions that are not obligate. Symbiosis involves two species living in close physical contact over a long period of their existence and may be mutualistic, parasitic, or commensal, so symbiotic relationships are not always mutualistic, and mutualistic interactions are not always symbiotic. Despite a different definition between mutualism and symbiosis, they have been largely used interchangeably in the past, and confusion on their use has persisted.Mutualism plays a key part in ecology and evolution. For example, mutualistic interactions are vital for terrestrial ecosystem function as:about 80% of land plants species rely on mycorrhizal relationships with fungi to provide them with inorganic compounds and trace elements.estimates of tropical rainforest plants with seed dispersal mutualisms with animals range at least from 70% to 93.5%. In addition, mutualism is thought to have driven the evolution of much of the biological diversity we see, such as flower forms (important for pollination mutualisms) and co-evolution between groups of species.A prominent example of pollination mutualism is with bees and flowering plants. Bees use these plants as their food source with pollen and nectar. In turn, they transfer pollen to other nearby flowers, inadvertently allowing for cross-pollination. Cross-pollination has become essential in plant reproduction and fruit/seed production. The bees get their nutrients from the plants, and allow for successful fertilization of plants, demonstrating a mutualistic relationship between two seemingly-unlike species.Mutualism has also been linked to major evolutionary events, such as the evolution of the eukaryotic cell (symbiogenesis) and the colonization of land by plants in association with mycorrhizal fungi.This recording reflects the Wikipedia text as of 00:45 UTC on Thursday, 5 March 2026.For the full current version of the article, see Mutualism (biology) on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @wikioftheday@masto.ai.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm neural Kimberly.

education cross wikipedia biology bees corner cooperation mastodon wiki prominent utc symbiosis curmudgeon mutualism beneden

Elizabeth Lyon (criminal)

Play Episode Listen Later Mar 5, 2026 2:25

fWotD Episode 3226: Elizabeth Lyon (criminal) Welcome to featured Wiki of the Day, your daily dose of knowledge from Wikipedia's finest articles.The featured article for Thursday, 5 March 2026, is Elizabeth Lyon (criminal).Elizabeth Lyon (fl. c. 1722–1726), nicknamed Edgworth Bess or Edgware Bess, was an English thief, a prostitute, and the partner of the criminal Jack Sheppard. Little is known about her background or her early life, but it is known that she was working as a prostitute at the Black Lyon alehouse in London by 1722 or 1723. Here she met Sheppard—at the time an apprentice carpenter—and the two began a relationship.At Lyon's instigation, Sheppard soon began his career in crime, first stealing from places where he worked before moving into housebreaking; Lyon and his brother became his accomplices. Sheppard was arrested for his crimes on several occasions, invariably breaking out soon after incarceration, normally assisted by Lyon. In May 1724, she was arrested when visiting him in prison, so together the pair broke out of New Prison into the adjoining Clerkenwell Bridewell prison, then out of that to freedom.After Sheppard's execution in November 1724, Lyon entered into relationships with other men who were, or became, involved in housebreaking, sometimes accompanying them to assist in perpetrating the crimes. She was arrested in March 1726 and transported to the Province of Maryland—then a British colony in North America—in October; her name does not appear in official sources after that date. Lyon's notoriety is based on her connection to Sheppard, and in the years following his execution, novels were published and plays performed that retold his and Lyon's story.This recording reflects the Wikipedia text as of 01:24 UTC on Thursday, 5 March 2026.For the full current version of the article, see Elizabeth Lyon (criminal) on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @wikioftheday@masto.ai.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm generative Joanna.

english education british north america maryland criminals wikipedia lyon corner mastodon wiki province sheppard utc curmudgeon jack sheppard

James Talarico

Play Episode Listen Later Mar 5, 2026 2:06

pWotD Episode 3228: James Talarico Welcome to popular Wiki of the Day, spotlighting Wikipedia's most visited pages, giving you a peek into what the world is curious about today.With 415,813 views on Wednesday, 4 March 2026 our article of the day is James Talarico.James Dell Talarico ( TAL-uh-REE-koh; né Causey, born May 17, 1989) is an American politician, Presbyterian seminarian, and former educator who has served as a member of the Texas House of Representatives since 2018. Talarico is the Democratic nominee for U. S. Senate in 2026 and has been called a "rising star" among Texas Democrats.Born in Round Rock, Texas, Talarico graduated from the University of Texas at Austin with a Bachelor of Arts in government. He later joined Teach For America, where he taught sixth-grade English language arts in San Antonio. Afterward, he served as the Central Texas executive director for Reasoning Mind, a nonprofit focused on bringing technology to low-income classrooms. He later graduated from Harvard University with a Master of Education degree in education policy.Talarico serves as vice chair of two bodies in the Texas House: the Trade, Workforce, and Economic Development Committee, and the Subcommittee on Academic and Career-Oriented Education under the Public Education Committee. He also serves on the Public Education Committee and the House Administration Committee.In September 2025, Talarico announced his candidacy for the 2026 U. S. Senate race. He defeated U. S. Representative Jasmine Crockett in the primary and will face John Cornyn or Ken Paxton in the general election.This recording reflects the Wikipedia text as of 19:02 UTC on Thursday, 5 March 2026.For the full current version of the article, see James Talarico on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Bluesky at @wikioftheday.com.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm standard Matthew.

March 2026 lunar eclipse

earth education deep moon north america popular wikipedia corner mastodon wiki lunar eclipse utc curmudgeon ngc lantern festival

Play Episode Listen Later Mar 5, 2026 2:41

pWotD Episode 3227: March 2026 lunar eclipse Welcome to popular Wiki of the Day, spotlighting Wikipedia's most visited pages, giving you a peek into what the world is curious about today.With 202,721 views on Tuesday, 3 March 2026 our article of the day is March 2026 lunar eclipse.A total lunar eclipse occurred at the Moon’s descending node of orbit on Tuesday, March 3, 2026, with an umbral magnitude of 1.1507. A lunar eclipse occurs when the Moon moves into the Earth's shadow, causing the Moon to be darkened. A total lunar eclipse occurs when the Moon's near side entirely passes into the Earth's umbral shadow. Unlike a solar eclipse, which can only be viewed from a relatively small area of the world, a lunar eclipse may be viewed from anywhere on the night side of Earth. A total lunar eclipse can last up to nearly two hours, while a total solar eclipse lasts only a few minutes at any given place, because the Moon's shadow is smaller. The Moon's apparent diameter was near the average, as it occured 6.7 days after perigee (on February 24, 2026, at 18:15 UTC) and 6.9 days before apogee (on March 10, 2026, at 09:45 UTC).This lunar eclipse was the third of an almost tetrad, with the others being on March 14, 2025 (total); September 8, 2025 (total); and August 28, 2026 (partial).During the eclipse, the Moon occulted NGC 3423 over North America. Deep-sky objects are rarely occulted during a total eclipse from any given spot on Earth. This eclipse fell on the Lantern Festival, the first since February 11, 2017.This recording reflects the Wikipedia text as of 18:08 UTC on Thursday, 5 March 2026.For the full current version of the article, see March 2026 lunar eclipse on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @wikioftheday@masto.ai.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm long-form Patrick.

Iran

Play Episode Listen Later Mar 5, 2026 5:58

pWotD Episode 3226: Iran Welcome to popular Wiki of the Day, spotlighting Wikipedia's most visited pages, giving you a peek into what the world is curious about today.With 410,897 views on Monday, 2 March 2026 our article of the day is Iran.Iran, officially the Islamic Republic of Iran, and also known as Persia, is a country in West Asia. It borders Iraq to the west, Turkey, Azerbaijan, and Armenia to the northwest, the Caspian Sea to the north, Turkmenistan to the northeast, Afghanistan to the east, Pakistan to the southeast, and the Gulf of Oman and the Persian Gulf to the south. With a population of over 92 million, Iran ranks 17th globally in both geographic size and population and is the sixth-largest country in Asia. It is divided into five regions with 31 provinces. Tehran is the nation's capital, largest city, and financial center.Home to one of the world's oldest continuous major civilizations, most of Iran was first united as a nation by the Medes under Cyaxares in the 7th century BC and reached its territorial height in the 6th century BC, when Cyrus the Great founded the Achaemenid Empire. Alexander the Great conquered the empire in the 4th century BC. An Iranian rebellion in the 3rd century BC established the Parthian Empire, which later liberated the country. In the 3rd century AD, the Parthians were succeeded by the Sasanian Empire, which oversaw a golden age in the history of Iranian civilization. During this period, ancient Iran saw some of the earliest developments of writing, agriculture, urbanization, religion, and administration. Once a center for Zoroastrianism, Iran underwent Islamization following the 7th century AD Muslim conquest. Innovations in literature, philosophy, mathematics, medicine, astronomy and art were renewed during the Islamic Golden Age and Iranian Intermezzo, a period during which Iranian Muslim dynasties ended Arab rule and revived the Persian language. This era was followed by Seljuk and Khwarazmian rule, Mongol conquests and the Timurid Renaissance from the 11th to 14th centuries.In the 16th century, the native Safavid dynasty re-established a unified Iranian state with Twelver Shia Islam as the official religion, laying the framework for the modern state of Iran. During the Afsharid Empire in the 18th century, Iran was a leading world power, but it lost this status after the Qajars took power in the 1790s. The early 20th century saw the Persian Constitutional Revolution and the establishment of the Pahlavi dynasty by Reza Shah, who ousted the last Qajar Shah in 1925. Following the Anglo-Soviet invasion of Iran in 1941, his son Mohammad Reza Pahlavi rose to power. Attempts by Mohammad Mosaddegh to nationalize the oil industry led to the Anglo-American coup in 1953. The Iranian Revolution in 1979 overthrew the monarchy, and the Islamic Republic of Iran was established by Ruhollah Khomeini, the country's first supreme leader. In 1980, Iraq invaded Iran, sparking the eight-year-long Iran–Iraq War, which ended in a stalemate. Iran has since been involved in proxy wars with Israel and Saudi Arabia; in June 2025, Israeli strikes on Iran escalated tensions into the Twelve-Day War. Following the war and amid a growing economic crisis, potentially the largest protests since 1979 erupted in late December 2025. The United States and Israel launched a major attack on Iran with the stated goal of regime change in late February 2026.Iran's government is an Islamic theocracy governed by elected and unelected institutions, with ultimate authority vested in the supreme leader. While it holds elections, key offices, including the head of state and military, are not subject to public vote. The Iranian government is an authoritarian regime which has been widely criticized internationally due to its poor human rights record, including restrictions on freedom of assembly, expression, and the press, as well as its treatment of women, ethnic minorities, and political dissidents. International observers have raised concerns over the fairness of its electoral processes, especially the vetting of candidates by unelected bodies such as the Guardian Council. Iran maintains a centrally planned economy with significant state ownership in key sectors, though private enterprise exists alongside this. It is a middle power, due to its large reserves of fossil fuels (including the world's second largest natural gas supply and third largest proven oil reserves), its geopolitically significant location, and its role as the world's focal point of Shia Islam. Iran is a threshold state with one of the most scrutinized nuclear programs, which it claims is solely for civilian purposes; however, the IAEA, a United Nations (UN) agency tasked with monitoring the production of nuclear weapons, has on two occasions found Iran to be non-compliant with its safeguards obligations. It is a founding member of the UN and a member state of numerous international organisations. Iran has 29 UNESCO World Heritage Sites (the 10th-highest in the world) and ranks 4th in intangible cultural heritage or human treasures.This recording reflects the Wikipedia text as of 16:11 UTC on Thursday, 5 March 2026.For the full current version of the article, see Iran on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @wikioftheday@masto.ai.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm neural Danielle.

united states israel education home international innovation afghanistan turkey iran iraq popular wikipedia saudi arabia pakistan israelis bc iranians islamic gulf arab corner persian persia armenia tehran oman mastodon azerbaijan iraq war wiki persian gulf islamic republic anglo american utc mongol turkmenistan medes iranian revolution iaea unesco world heritage sites zoroastrianism curmudgeon parthians west asia caspian sea united nations un pahlavi islamization shia islam islamic golden age safavid achaemenid empire iranian muslims ruhollah khomeini seljuk reza shah sasanian empire guardian council

2026 Iran war

Play Episode Listen Later Mar 5, 2026 2:52

pWotD Episode 3225: 2026 Iran war Welcome to popular Wiki of the Day, spotlighting Wikipedia's most visited pages, giving you a peek into what the world is curious about today.With 1,060,165 views on Sunday, 1 March 2026 our article of the day is 2026 Iran war.Beginning on 28 February 2026, Israel and the United States engaged in coordinated joint attacks on various sites in Iran. Codenamed Operation Roaring Lion by Israel and Operation Epic Fury by the United States, the attacks have targeted key Iranian officials, military commanders, and facilities. Iran's response has been named Operation True Promise IV.The operation began with joint strikes by Israel and the US in the cities of Tehran, Isfahan, Qom, Karaj, and Kermanshah. The attacks included the assassination of Supreme Leader Ali Khamenei, whose compound was destroyed; Ali Shamkhani, former secretary of Iran's Supreme National Security Council; and several other Iranian officials. In retaliation, Iran launched dozens of its drones and ballistic missiles throughout the Persian Gulf at targets in Israel and US military bases in Jordan, Kuwait, Bahrain, Qatar, Iraq, Saudi Arabia, and the United Arab Emirates. Iran launched strikes on civilian airports and shipping ports in Kuwait, the UAE, and Oman. Britain's Akrotiri and Dhekelia military base in Cyprus was struck. Iran closed the Strait of Hormuz, disrupting global oil and gas shipments. Hezbollah in Lebanon joined the war after the killing of Khamenei.US officials, including President Donald Trump, have offered various and shifting reasons for launching the war on Iran, including to ward off an imminent threat, destroy missile and military capabilities, prevent it from obtaining nuclear weapons, and ultimately to achieve regime change by bringing the Iranian opposition to power. Iran rejected US claims that it was preparing an attack. After the strikes, the International Atomic Energy Agency said that Iran does not have a nuclear weapons program. The United Nations and several uninvolved countries condemned the initial strikes for undermining the stability of the Middle East; others condemned Iran's retaliatory strikes on US allies in the region. Critics of the operation described it as illegal under US law, an act of imperialism, and a violation of Iran's sovereignty under international law.This recording reflects the Wikipedia text as of 16:02 UTC on Thursday, 5 March 2026.For the full current version of the article, see 2026 Iran war on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Bluesky at @wikioftheday.com.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm generative Stephen.

Episode 1409: Brother Soul - Sunday Night Soul 100

Dayconmusic

Play Episode Listen Later Mar 4, 2026 121:02

music live house soul dj brothers radio hip hop streaming broadcast sunday night r&b eclectic utc labr soul sunday keebler elves

Montana-class battleship

Play Episode Listen Later Mar 4, 2026 2:34

fWotD Episode 3225: Montana-class battleship Welcome to featured Wiki of the Day, your daily dose of knowledge from Wikipedia's finest articles.The featured article for Wednesday, 4 March 2026, is Montana-class battleship.The Montana class was a planned set of battleships for the United States Navy. Intended as the successor to the Iowa class, the Montanas were to be slower but larger, better armored, and better armed. Five ships were approved for construction during World War II, but changes in wartime building priorities resulted in their cancellation in favor of continuing production of Essex-class aircraft carriers and Iowa-class battleships.Armament would have been twelve 16-inch (406 mm) Mark 7 guns in four 3-gun turrets, up from the nine Mark 7 guns in three turrets used by the Iowa class. Unlike the three preceding classes of battleships, the Montana class was designed without any restrictions from treaty limitations. With increased anti-aircraft capability and substantially thicker armor in all areas, the Montanas would have been the largest, best-protected, and most heavily armed US battleships ever, and the only ones to rival Japan's Yamato-class battleships in terms of displacement.Preliminary design work for the Montana class began before the US entry into World War II. The first two vessels were approved by Congress in 1939 following the passage of the Naval Act of 1938. The Japanese attack on Pearl Harbor delayed the construction of the Montana class. The success of carrier combat at the Battle of the Coral Sea, and to a greater extent the Battle of Midway, diminished the perceived value of the battleship. Consequently, the US Navy first delayed, and later cancelled, the Montana class in favor of more urgently needed aircraft carriers as well as amphibious and anti-submarine vessels.This recording reflects the Wikipedia text as of 03:05 UTC on Wednesday, 4 March 2026.For the full current version of the article, see Montana-class battleship on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @wikioftheday@masto.ai.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm neural Salli.

Cristián de la Fuente

Play Episode Listen Later Mar 4, 2026 1:52

rWotD Episode 3226: Cristián de la Fuente Welcome to random Wiki of the Day, your journey through Wikipedia's vast and varied content, one random article at a time.The random article for Wednesday, 4 March 2026, is Cristián de la Fuente.Cristián Andrés de la Fuente Sabarots (Spanish pronunciation: [kɾisˈtjan de la ˈfwente]; born March 10, 1974) is a Chilean actor, presenter, model and producer. He began his career appearing in the Chilean telenovelas before moving to United States for starring in television series Family Law (1999–2001) and Hidden Hills (2002–2003). De la Fuente later made his big screen debut in the 2001 action film Driven and later appeared in films Vampires: Los Muertos (2002) and Basic (2003). In later years he was a regular cast member in In Plain Sight (2008–12) and Devious Maids (2015). De la Fuente also acted in a number of Spanish-language telenovelas.This recording reflects the Wikipedia text as of 00:48 UTC on Wednesday, 4 March 2026.For the full current version of the article, see Cristián de la Fuente on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Bluesky at @wikioftheday.com.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm standard Aditi.

united states education spanish driven wikipedia basic blue sky corner chilean fuente wiki family law la fuente utc aditi curmudgeon in plain sight devious maids hidden hills

Breckinridge County, Kentucky

Play Episode Listen Later Mar 3, 2026 1:42

rWotD Episode 3225: Breckinridge County, Kentucky Welcome to random Wiki of the Day, your journey through Wikipedia's vast and varied content, one random article at a time.The random article for Tuesday, 3 March 2026, is Breckinridge County, Kentucky.Breckinridge County is a county located in the Commonwealth of Kentucky. As of the 2020 census, the population was 20,432. Its county seat is Hardinsburg, Kentucky. The county was named for John Breckinridge (1760–1806), a Kentucky Attorney General, state legislator, United States Senator, and United States Attorney General. It was the 38th Kentucky county in order of formation. Breckinridge County is now a wet county, following a local-option election on January 29, 2013, but it had been a dry county for the previous 105 years.This recording reflects the Wikipedia text as of 00:16 UTC on Tuesday, 3 March 2026.For the full current version of the article, see Breckinridge County, Kentucky on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @wikioftheday@masto.ai.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm long-form Ruth.

education kentucky wikipedia commonwealth corner mastodon wiki utc united states senators curmudgeon breckinridge kentucky attorney general united states attorney general

John Tonkin

The Voice in the Wilderness

Play Episode Listen Later Mar 3, 2026 3:45

fWotD Episode 3224: John Tonkin Welcome to featured Wiki of the Day, your daily dose of knowledge from Wikipedia's finest articles.The featured article for Tuesday, 3 March 2026, is John Tonkin.John Trezise Tonkin (2 February 1902 – 20 October 1995) was an Australian politician who was the premier of Western Australia from 3 March 1971 to 8 April 1974. A member of the Labor Party, Tonkin was a minister in the Willcock, Wise and Hawke governments. He was a member of the Western Australian Legislative Assembly from 1933 to 1977, making him the longest-serving member of the Parliament of Western Australia as of 2021.Tonkin was born in the Goldfields town of Boulder, Western Australia, the eldest of three children. His family moved several times before returning to Boulder, where he attended Boulder City Central School and Eastern Goldfields High School. After several successive jobs, he graduated from Claremont Teachers College and became a teacher, mainly working in small schools in rural areas. After several unsuccessful attempts to enter state parliament, Tonkin was elected as the member for North-East Fremantle in the 1933 state election.Tonkin first served as a minister from 1943 to 1947. He held several portfolios during this time, the most important being that of Minister for Education. Labor lost the 1947 state election, which resulted in Tonkin losing his portfolios. He transferred to the electoral district of Melville when North-East Fremantle was abolished at the 1950 state election. After the resignation of Wise as Labor leader in 1951, Hawke became leader and Tonkin became deputy leader. When Labor won the 1953 state election, he reassumed his role as a minister, including as the minister for works and minister for water supplies. In 1955, he became the first deputy premier of Western Australia following an act of Parliament to formally create the position. Labor lost the 1959 state election, causing Tonkin to lose his portfolios again.Following the resignation of Hawke in 1966, Tonkin became the leader of the Labor Party in Western Australia. After its longest period in opposition ever, the Labor Party won the 1971 state election to defeat David Brand and make Tonkin premier. Labor's one-seat majority meant that any by-election had a chance of defeating the Tonkin government. By-elections occurred in 1971 and in 1973, each of which was narrowly won by Labor. The Tonkin government's achievements included reforms in industrial relations and employment, and the passing of the Aboriginal Heritage Act 1972. After three years in government, Labor was defeated in the 1974 state election. Tonkin was succeeded as premier by Charles Court. Tonkin was appointed Companion of the Order of Australia in 1977, and has been honoured with the Tonkin Highway and John Tonkin College being named after him.This recording reflects the Wikipedia text as of 00:43 UTC on Tuesday, 3 March 2026.For the full current version of the article, see John Tonkin on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Bluesky at @wikioftheday.com.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm generative Joanna.

March Toward What?

Play Episode Listen Later Mar 2, 2026 3:04

Living on God's Standard TimeIn science, global coordination depends on standards—UTC for time, strict conventions for meteorological data, and universal frameworks that keep the world in sync. But there is a greater, unchanging standard that governs all creation, and it is found in the Word of God.In this episode, we explore Isaiah 59, where Scripture declares: “So shall they fear the name of the Lord from the west, and His glory from the rising of the sun… When the enemy shall come in like a flood, the Spirit of the Lord shall lift up a standard against him.” This is not poetic imagery alone—this is God revealing that He has established a spiritual standard across the earth. A covenant standard. A time standard. A truth standard.We are living on God's standard time, aligned to His prophetic clock in these end times and last days. And when the enemy rushes in, that divine standard—His Word—pushes back the darkness. It equips. It defends. It drives the enemy to flight.In this episode, you'll be encouraged and reminded:Do not disarm yourself in this warfare.God's Word is your standard, your truth, and your life.The Redeemer has come—and is coming again.Join us as we call upon Jesus, stand firm in Scripture, and watch God reveal Himself in powerful ways across the earth.Even so, come, Lord Jesus.The Voice in the Wilderness does not endorse any link or other material found at buzzsprout.More at https://www.thevoiceinthewilderness.org/

Daqin Railway (company)

Play Episode Listen Later Mar 2, 2026 1:26

rWotD Episode 3224: Daqin Railway (company) Welcome to random Wiki of the Day, your journey through Wikipedia's vast and varied content, one random article at a time.The random article for Monday, 2 March 2026, is Daqin Railway (company).Daqin Railway Co., Ltd. is a Chinese company that operates several railways with a total length of 1000 km, including the Daqin Railway and most assets on railway transportation of CR Taiyuan. The company is based in Datong, Shanxi. It was listed on the Shanghai Stock Exchange in 2006 with IPO capital raising of $1.9 billion US dollars.Daqin Railway is a component of SSE 50 Index. The parent company of Daqin Railway was CR Taiyuan, a state-owned enterprise that the China Railway acted as its only shareholder.This recording reflects the Wikipedia text as of 01:15 UTC on Monday, 2 March 2026.For the full current version of the article, see Daqin Railway (company) on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @wikioftheday@masto.ai.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm generative Kajal.

education chinese wikipedia ipo index corner mastodon wiki railways utc sse curmudgeon kajal shanxi datong

Galaxy

education greek wikipedia galaxy corner mastodon wiki milky way solar system galaxies utc curmudgeon supermassive andromeda galaxy local group

Play Episode Listen Later Mar 2, 2026 2:46

fWotD Episode 3223: Galaxy Welcome to featured Wiki of the Day, your daily dose of knowledge from Wikipedia's finest articles.The featured article for Monday, 2 March 2026, is Galaxy.A galaxy is a system of stars, stellar remnants, interstellar gas, dust, and dark matter bound together by gravity. The word is derived from the Greek galaxias (γαλαξίας), literally 'milky', a reference to the Milky Way galaxy that contains the Solar System. Galaxies, averaging an estimated 100 million stars, range in size from dwarfs with less than a thousand stars, to the largest galaxies known – supergiants with one hundred trillion stars, each orbiting its galaxy's centre of mass. Most of the mass in a typical galaxy is in the form of dark matter, with only a few percent of that mass visible in the form of stars and nebulae. Supermassive black holes are a common feature at the centres of galaxies.Galaxies are categorised according to their visual morphology as elliptical, spiral, or irregular. The Milky Way is an example of a spiral galaxy. In addition to shape, galaxies may be notable due to special properties, such as interacting with another galaxy, producing stars at an unusual rate, or having an active galactic nucleus. It is estimated that there are between 200 billion (2×1011) and 2 trillion galaxies in the observable universe. Most galaxies are 1,000 to 100,000 parsecs in diameter (approximately 3,000 to 300,000 light years) and are separated by distances in the order of millions of parsecs (or megaparsecs). For comparison, the Milky Way has a diameter of at least 26,800 parsecs (87,400 ly). Its nearest large neighbour, the Andromeda Galaxy, is just over 750,000 parsecs (2.4 million ly) away.Most galaxies are gravitationally organised into groups, clusters and superclusters. The Milky Way is part of the Local Group, which it dominates along with the Andromeda Galaxy. The group is part of the Virgo Supercluster. At the largest scale, these associations are generally arranged into sheets and filaments surrounded by immense voids. While there are good models describing the formation of stars from gravitational condensation of dense clouds of gas, galaxy formation is less well understood. The process operates on the scale of a billion years. Galaxies occasionally collide during their lifetime.This recording reflects the Wikipedia text as of 01:31 UTC on Monday, 2 March 2026.For the full current version of the article, see Galaxy on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @wikioftheday@masto.ai.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm generative Matthew.

High and Low (1963 film)

Play Episode Listen Later Mar 1, 2026 3:45

fWotD Episode 3222: High and Low (1963 film) Welcome to featured Wiki of the Day, your daily dose of knowledge from Wikipedia's finest articles.The featured article for Sunday, 1 March 2026, is High and Low (1963 film).High and Low (Japanese: 天国と地獄, Hepburn: Tengoku to Jigoku; lit. 'Heaven and Hell') is a 1963 Japanese police procedural film directed by Akira Kurosawa. It was written by Kurosawa, Hideo Oguni, Eijirō Hisaita, and Ryūzō Kikushima as a loose adaptation of the 1959 novel King's Ransom by Evan Hunter. Starring Toshirō Mifune, Tatsuya Nakadai, Kyōko Kagawa and Tatsuya Mihashi, it tells the story of Japanese businessman Kingo Gondō (Mifune) struggling for control of the major shoe company at which he is a board member. He plans a leveraged buyout of the company with his life savings, when a kidnapper mistakenly abducts his chauffeur's son to ransom him for ¥30 million. The film is viewed as influential on police procedural cinema, and has been remade multiple times internationally.The film was produced by Toho, who bought the rights to Hunter's novel in 1961 for $5,000. Working on a production budget of ¥230 million, filming on High and Low began on 2 September 1962, taking place on location at Yokohama and on set at Toho Studios. Only one attempt could be made to film the ransom exchange. The shoot required multiple cameramen, leading to all other film productions being shut down for the day. Filming ended on 30 January 1963. Kurosawa worked with Masaru Satō to score the film in their eighth collaboration together; the film's soundtrack contains a variety of influences, including mambo, classical, and modern popular music. Post-production took just under a month and, after test screenings in mid-February 1963, the film received a wide distribution.High and Low was released in Japan on 1 March 1963 and became the highest-grossing film at the Japanese box office for that year. The film received generally positive reviews both domestically and abroad. In September 1963, the film was entered into the Official Selection for the Venice Film Festival. The limited American release of the film in late November coincided with the assassination of President John F. Kennedy, an event that led to a depression in initial box office takings. High and Low was nominated for Best Foreign Film at the Golden Globe Awards for 1964. Critical opinion of the film has remained high, with analyses of the film focusing on Kurosawa's humanism in tackling the issue of a growing class divide, the growth of an international consumer culture, and the film's use of structure to interrogate morality and social division.This recording reflects the Wikipedia text as of 00:04 UTC on Sunday, 1 March 2026.For the full current version of the article, see High and Low (1963 film) on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Bluesky at @wikioftheday.com.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm standard Brian.

american education japan hell film japanese wikipedia john f kennedy golden globes blue sky ky corner filming ransom wiki akira kurosawa ry toho yokohama utc kurosawa venice film festival high and low curmudgeon heaven' official selection best foreign film kagawa jigoku toho studios tatsuya nakadai

Peel Sound

The Shortwave Radio Audio Archive

Play Episode Listen Later Mar 1, 2026 1:39

rWotD Episode 3223: Peel Sound Welcome to random Wiki of the Day, your journey through Wikipedia's vast and varied content, one random article at a time.The random article for Sunday, 1 March 2026, is Peel Sound.Peel Sound is an Arctic waterway in the Qikiqtaaluk, Nunavut, Canada. It separates Somerset Island on the east from Prince of Wales Island on the west. To the north it opens onto Parry Channel while its southern end merges with Franklin Strait.There are several named islands within the sound, including: Lock, Vivian, Prescott, Pandora, Otrick, Barth, De la Roquette, and Gibson.Sir John Franklin passed through the strait in 1846 during an unseasonably warm summer, since typically Peel Sound is frozen. Its east side was traced by James Clark Ross in 1849. In 1858 Francis Leopold McClintock tried to penetrate it and was blocked by ice.This recording reflects the Wikipedia text as of 00:16 UTC on Sunday, 1 March 2026.For the full current version of the article, see Peel Sound on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Bluesky at @wikioftheday.com.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm standard Kendra.

canada education sound wikipedia lock arctic blue sky corner wiki peel prescott barth utc nunavut curmudgeon roquette sir john franklin wales island

Radio Ndarason Internationale: October 26, 2025

Play Episode Listen Later Feb 28, 2026

Many thanks to SRAA contributor Paul Walker, who shares the following field recording of Radio Ndarason Internationale on 12,050 kHz made on October 26, 2025 at 1836 UTC in McGrath, Alaska.

alaska internationale mcgrath paul walker utc khz sraa

Khibiny National Park

Play Episode Listen Later Feb 28, 2026 1:24

rWotD Episode 3222: Khibiny National Park Welcome to random Wiki of the Day, your journey through Wikipedia's vast and varied content, one random article at a time.The random article for Saturday, 28 February 2026, is Khibiny National Park.Khibiny National Park (Russian: Национальный парк «Хибины») protects a mountainous region of taiga and tundra on the Khibiny Mountains and Lovozero Massif of the western Kola Peninsula in northwestern Russia. The mountains contain commercially important minerals, and the park's borders reflect the need to balance three uses - protection of the unique natural environment, recreation (hiking in the summer, skiing in the winter), and industrial mining. The park was officially created in 2018, and is located in the districts of Kirovsk and Olenegorsk in Murmansk Oblast.This recording reflects the Wikipedia text as of 00:10 UTC on Saturday, 28 February 2026.For the full current version of the article, see Khibiny National Park on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Bluesky at @wikioftheday.com.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm standard Justin.

education russia wikipedia blue sky national parks corner wiki utc curmudgeon kola peninsula

Hume MRT station