35 Burst results for "Allstate"
"allstate" Discussed on CNBC's Fast Money
"Insurance force as well enjoys us now contessa what is going on at all states? Yeah, they just dropped these results on us. It looks like we're looking at an adjusted net loss here of as much as $450 million. Let's really focus in here, Brian on catastrophe losses, expected to be $763 million for the quarter, and that's after reinsurance kicks in. If you're looking at Ian alone, look, in Florida, all state only has 2.6% of market share for these personal property insurance policies in Florida. So 25% of what they saw coming in from Ian was related to property lines and 75% in auto coverage and what they've said is that the inflation related to both of these is significantly adding to their costs. We know that house values have skyrocketed in Florida. And so if you're paying someone to replace the loss of their home, the costs are significantly going to increase. Not only that, they're looking at bodily injury costs where it comes to auto insurance, increasing as well because of medical inflation. So there you're getting it. They say that the estimated catastrophe losses for just the month of September when Ian happened $440 million. They are expecting to have some reinsurance kick in for those policies as well, but a tough, tough quarter for all state here and the shares right now and extended trading reflecting that. Contest, it's a little bit surprising given it to your point that you just made, there are only what you said, 2.6% of policies. Yeah, but the damage, remember, you're looking at now as much as insured losses from Ian as much as $70 billion and we just heard from travelers today, which had about a half a $1 billion in catastrophe losses this quarter as well. And the CEO of travelers was very clear that the morass that is the insurance market in Florida is now threatened in other states as well. He says, look, skyrocketing litigation. I just reiterate again that it accounts for Florida accounts for 9% of the property claims, but almost 80% of the lawsuits nationwide, there is skyrocketing fraud and what they've seen is that the regulators are keeping premiums artificially low. It makes it very difficult for insurers to operate in Florida and that's likely to spread elsewhere. Contessa brewin Allstate a negative pre announcement. I will say the stock is still higher year to date, at least going into now. It should be great reporting by contestant because she's outlining the cross currents for the sector here. You have a case where there's some great tailwinds right now for insurance. First of all, it should be conservative. It should be recession, resilient, if not recession proof. It should be a case where rising rates actually help their investments. The flip side of that is not only Ian and reinsurance costs and rising fraud or at least insurance claims, but also even alternative investment losses. We're hearing what's going on with the UK pension funds, insurers here are running into some dynamics. Again, the volatility that are in bond markets and that are in some of these triple-A return profiles that they are investing in are things that you have to worry about. So I don't think you run too far. And I think these kinds of pullbacks are ones that are worth taking a look at. They've dealt with the ians before. I just think that the dynamics around pricing power and reinsurance are things that are more unique to these times right now. I mean, one thing about Allstate is if you look at it relative to its group, the other property cash like job and travelers and progressive. It has been a chronic underperformer. So I just think this is yet more reason not to have this one that certainly if you're in the pair's business. All right, well, we'll see if how much reinsurance might be able to make up some of that. Let's move on though to IBM. Stock is up right now, about four and a half percent IBM did beat
Russia pounds eastern Ukraine as West promises Kyiv new arms
"The the the the U. U. U. U. S. S. S. S. and and and and other other other other nations nations nations nations are are are are pledging pledging pledging pledging more more more more military military military military aid aid aid aid for for for for Ukraine Ukraine Ukraine Ukraine as as as as Russia Russia Russia Russia continues continues continues continues hammering hammering hammering hammering and and and and its its its its neighbors neighbors neighbors neighbors eastern eastern eastern eastern and and and and southern southern southern southern regions regions regions regions defense defense defense defense chief chief chief chief Lloyd Lloyd Lloyd Lloyd Austin Austin Austin Austin says says says says the the the the U. U. U. U. S. S. S. S. and and and and its its its its friends friends friends friends will will will will keep keep keep keep moving moving moving moving heaven heaven heaven heaven and and and and earth earth earth earth to to to to get get get get Ukraine Ukraine Ukraine Ukraine the the the the weapons weapons weapons weapons it it it it needs needs needs needs but but but but we we we we don't don't don't don't have have have have any any any any time time time time to to to to waste waste waste waste at at at at a a a a meeting meeting meeting meeting with with with with officials officials officials officials from from from from some some some some forty forty forty forty nations nations nations nations and and and and Germany Germany Germany Germany Allstate Allstate Allstate Allstate hailed hailed hailed hailed pledges pledges pledges pledges to to to to send send send send more more more more help help help help after after after after they they they they were were were were told told told told the the the the coming coming coming coming weeks weeks weeks weeks are are are are crucial crucial crucial crucial so so so so we we we we got got got got to to to to move move move move at at at at the the the the speed speed speed speed of of of of war war war war saying saying saying saying they they they they left left left left the the the the meeting meeting meeting meeting at at at at rob rob rob rob Stein Stein Stein Stein airbase airbase airbase airbase strengthened strengthened strengthened strengthened and and and and so so so so does does does does your your your your crank crank crank crank Sager Sager Sager Sager mag mag mag mag ani ani ani ani Washington Washington Washington Washington
"allstate" Discussed on WLS-AM 890
"ULS same 8 90 another update in 30 minutes 44 O'Hare 44 at midway 42° at the lakefront Don't drive much Don't pay much with paper mile insurance from Allstate Life is good when you're in the driver's seat At all state better protection costs a whole lot less visit all state dot com or call an agent for a quote today NATO secretary general says the alliance is monitoring the fighting in Ukraine that's happening close to the Polish border over the weekend and attack on a military training facility only ten miles away from Poland which is NATO territory killed 35 people When we see more military activities when we see actually fighting going on close to NATO borders there is always a risk for instance an accident and therefore we have to make every effort to prevent such incidents and accidents And if they happen to make sure that they don't spiral out of control and create really dangerous situations Russia widening its war in Ukraine stepping up attacks on the capital key of an indiscriminately shelling civilian sites around the country ABC's Maggie role is in lviv We're getting reports in of just towns and cities being demolished Apartment buildings schools residential complexes hospitals all being bombed in wiped out 15 story apartment building was hit today in Kiva as well This is becoming more and more normal So day to day civilians are becoming higher targets long-term that threat of what's next If Putin's pushed into a corner will he go bigger That is such a fear not only for us here on Ukraine but really everyone around the world Ukraine to president pleading for more support addressing the Canadian parliament through a translator I am confident that together we will overcome and will be victorious Is asking for a no fly zone He says Ukraine will not join NATO meantime a suburban woman is coordinating donations of heavy protective gear from police departments across the Chicago suburbs to help Ukrainians fighting the Russians Jennifer Dallas is the mother of three adopted Ukrainian boys and of helping adoption as a mission She has dedicated her life to and she spoke to ABC 7 I know where they're going I'm the one that gave the dropping point for.
"allstate" Discussed on College Football Live
"The university of alabama flexible affordable legendary. Visit online. That you aid that. Edu hello everybody and welcome back to fans ville college football. Utopia him with the lakes are stocked with ice cold. Dr pepper and the autumn linden's russell with the sweet smell football glory member land flowing with onion dip for even the food pyramid shaped like a hotdog wherever yard gained as yard. Were celebrated in every celebration is beyond excessive ice cold. Dr member return to glory. This season with fans ville by dr ram some today. Nobody protects you from mayhem like allstate..
"allstate" Discussed on KOMO
"Allstate looking to save money this year. Look at all state. You can get the protection you need at the low rates you want. Visit Allstate dot com. Or call an agent for a quote today, your next chemo traffic at 12 54. A couple forecast. Things are looking cloudy for today. But Sunshine is expected to break through tomorrow and Sunday and temperatures through the weekend staying around 70 degrees. Today. We should get close to 70 as well, maybe just a degree or two cooler than that. Right now. In Seattle. We have cloudy skies and it's 64 degrees. Stay connected. Stay informed Co mo News sponsored by fighting for moms dot com. Bill O Neill is at the editor's desk. I'm Taylor fan sites. Now the top stories we're following from the coma. 24 7 News Center. The 20th anniversary of the 9 11 terror attacks is in timing with the U. S troop withdrawal from Afghanistan after nearly two decades, troops initially targeting members of al Qaida who planned the attack and members of the Taliban who aided them. Tomorrow being, uh, pretty significant day of remembrance at several sites around the U. S, like, Of course, Ground zero in New York City, ABC s Amy Robach visit that visited Ground zero this morning. This was the worst terror attack on U. S soil. Two planes crashing into the twin towers that used to stand right here on this site. More than 2700 people killed When those two towers collapsed. And I have to tell you this morning is a crisp September morning very much like that day. 20 years ago, and it's remarkable how it just takes you right back.
"allstate" Discussed on NewsRadio KFBK
"An Allstate dot com or call an agent for quote today. Traffic on the tens, every 10 minutes mornings and afternoons from the bunny leading the way home Traffic Center. I'm Dana has news 93.1 kft case. Thanks, Dina. Now you're kfbk forecast clear skies expected for tonight We'll see a nighttime low of 53 to 57 Plenty of sunshine tomorrow tomorrow will reach a high of 81 to 85. Plenty of sunshine for Wednesday. Wednesday, we'll see a high of 84 to 88 I'm AccuWeather's Drew Shannon News 93.1 kfbk. All right, We've got 82 degrees in Sacramento, 86 fulsome in 82 in El Dorado Hills and looking at your poll question today. Again. California wants to avoid wildfire blackouts with five temporary generators fueled by natural gas around existing power plants. It's a controversial move because it's contrary to California's goals of eliminating reliance on fossil fuels. And as you may recall, Sacramento recently banned gas in all new construction. So On your pole. We're asking you your thoughts about it. 84% gave a thumbs up for gas power 10% say only if really necessary. 2% say I am against using gas and 3% are not sure about it. So there we go. And we'll, uh see you get like just a few. Pound to 50 calls to close it out. I think it is absolutely idiotic to think that California state can run on total solar wind and battery powered cars to sustain life. It's absolutely ridiculous. Hi. This is Christine from Sacramento and of the electricity. It's not safe. If they're worried about fires being started, then why not use gas? For the blackout. Still in California. No gas powered generators should be allowed only solar powered once. Thank you. I think the idea of California getting away from fossil fuels before there's adequate supply elsewhere is just lunacy. And so hooking up those extra power plants, I think is a good idea. All right. There you go. Thanks to everybody that called in on the pound to 50 line you can still weigh in on our Twitter page 6 43 still to come on the afternoon news. We'll have the latest on what's going on in Afghanistan. Some new developments to tell you about. Traffic and weather, too, and stay connected to news 93.1 kfbk where you bring you any new killed or wildfire evacuation warnings or orders broadcast immediately. Give me my traffic reports Traffic on the tens. Every 10 minute KF became morning News, Christina Mendoza and Sam Shane. It's important to note traffic conditions. They keep me connected. Stay connected..
"allstate" Discussed on New Jersey 101.5
"In America. Well, that's just it. Just just go. We just got we just got the title from Los Angeles. I love these reports that are like, Yeah, your worst traffic in the country. So we know that. Yeah. I don't know how we're worse than Washington D C area, though. I don't know how that is. Washington D C is the worst traffic I've ever seen. I've never been to Los Angeles proper. So I don't know about that. But Washington D C worse traffic ever in the history of traffic? Yeah. Now it is bad that area, but it's what it was like the new work area. New Newark, New York area for the worst traffic in New Jersey. Yeah, there's reports cracked me up, though, because it's like Here comes a new report. New Jersey number one. We're number one of people leaving but number one to track If everybody's leaving how we have so much traffic. Everybody's leaving. All right, 1 800 to 831 at 1.5 is a phone number. Have you ever been involved in a road rage incident we want to hear from you, 1 800. 2831 at 1.5 year call coming up. It's 7 18. I did that last night. I'm like 8 18. It was like 10. Now it's 11 o'clock. 7 18, Here's New Jersey Fast traffic. Much better on 78 West found approaching exit 40 and watch on the crash has been cleared away Rudy the eastbound index at 28 in Roxbury Township accident There's been picked up as well. In 2 87 north and exit. 59 jackknifed tractor trailer has been cleared away in precipitate 46 eastbound between Edwards Road in New Road. That is closed because of a broken water. Main Route three eastbound in the route 21 the ramp to 21 7 close because of high water there and 21 southbound into Route three. Flooding the right lane is blocked. G W Bridge, leaving New Jersey 15 minutes on the upper deck. Lower tech disabled vehicle. It's an hour 10 minute. Wait! Lincoln Tunnel 40 minutes at the Holland Tunnel, 20 to 30 minutes. This report is sponsored by all states. Looking to save money this year. Look at Allstate can get the protection you need at the low rates you want. Visit Allstate dot com, recalled an agent. For quote today. Traffic every 15 minutes. Next report. 7 33 I'm Gino Crispin on New Jersey to 1.5. Domain, ski and oil go into the place we order and we just walked out with our food. There was too many people. Nobody saw nothing. Nobody saw.
"allstate" Discussed on Heartland Newsfeed Radio Network
"They no longer seem to be concerned about it. Nobody's up in arms. I don't wanna say nobody there might be some people. But i've never heard of anybody in the christian south or you know christian. America up in arms because people are getting put into concentration camps in china over owning a prayer mat. But you know. Muslims don't matter it's not their religion so a lot of them just care. That would be my message to any christians who were listening that stuff. You were afraid what's going to happen to you. It's happening to muslims in china right now that they're being thrown into prison for having prayer so for demonstrating any belief whatsoever and inside these prisons. I don't remember exactly the specifics. But they are basically required to renounce their religion because the chinese state government is like allstate's every religious organization. And it wants to be the supreme religion in china and obviously someone believing in a different god. A different supreme being is just not acceptable to them. So what religion are they supposed to have the state religion in worshiping the state gene pink or whatever his name is the president as their god basically the ultimate provider the one who gives them everything. I don't recall the exact mantra.
"allstate" Discussed on WTOP
"Availability. All set fire and casualty insurance company Allstate Vehicle property insurance Company and affiliates. Northbrook, Illinois. 11 48 traffic and weather on the Eights to Ian Crawford in the W T o p traffic Center. If your travels include 95 South Bend in Virginia, you may want to make weight or Take another route because it's very hung up in a couple of spots coming out of the Springfield interchange, Colbun 95 slows to a crawl. Getting past the work getting back to crash I should say beneath Franconia Road exit right after the ranch tricks at 1, 69 said. To be over on the left side, we see these delays stretching back onto the inner loop of the capital Beltway. Once you're past it, you're good. For a little while. They're still lingering crash activity. Fairfax County Parkway South Bong on the ramp to go south on 95. That ramp at last report was still blocked. But the main event is going to be after the Prince William Parkway, where you essentially hit a wall. It is solid jam all the way from just after the Prince William Parkway all the way to a point. Beyond dumb freeze. This is a work zone with million, paving over on the left and everyone having to squeeze down from three lanes down to one right lane to get past this work zone. Consider Route One is an alternate. Otherwise it's going to be a very sluggish right once you are approaching exit 1 52 for dumb Freeze, You should be back in the clear and the rest of the 95 right should be okay. There's also work on 66 eastbound before Nutley Street that blocks a right lane at last report. Also seeing a little bit of slowing westbound on 66 roughly the same spot unclear whether or not they're setting up something new here on Maryland's side of the coin. The crash we had on the inner loop ramp to go north on Georgia Avenue exit 31 A. That ramp reopened that crash clear on the on 95 south bed waiting for final all clear on our crash activity near to 12 exit 29 that was over on the right shoulder. They may have to steal that right lane briefly to haul a car up off the out of the ditch. Over on the right side in the district reported the Crash Suitland Parkway and First Drilling Avenue with caution for what may be in the roadway. He and Crawford w T o p traffic and now to storm Team four meteorologist Samara Theodore. Mostly clear night, with temperatures down in the low seventies Sunday, plenty of sunshine with highs.
London Pub Emerges From Lockdown With Gusto
"Home owners are hoping for a big pandemic come back in Britain the prince of Peckham pub in London has already had speed dating night demi all Janay gave it a try Helen Waller says pubs are a good way to reconnect white people I mean it's on buying ana is the owner of the principessa he sees a pop as the heart of the community it's an area where you can celebrate you could warn you can log off you can cry you could break up make up like you can be black white Allstate we should be doing J. to be anything other events planned this week at the pub or drag brunches and neon and naked life drawing I'm at Donahue
"allstate" Discussed on KOA 850 AM
"Year. Look at Allstate. You could get the protection you need at the low rate you want with all states. You could lower your rates, not your expectations. Is it all ST dot com or call for an agent and get a quote for the bed? Fred Sports Traffic Center of Jonathan Steele on K Way News Radio live everywhere on the I Heart Radio out Fox 31 Pinpoint whether a rain possible through this evening overnight low 48 72 degrees tomorrow 80 on Thursday. It's 54 degrees in Denver. Inglewood police say three of their officers were injured today when they tried to contact people inside a stolen vehicle. The car's driver took off and drag three police officers. The 22 year old driver of the car was shot by police and died. Ah female passenger in the car was taken into custody. It all happened this morning just after 10 at the apartment complex. That's at 14 01 East Gerard Place. That's not far from Hamden and Downing Colorado in the Mountain West, er, seeing a migration all growth that is fueling the housing market. It's happening when there's a shortage of homes on the market during the pandemic, many people flood coastal cities to find better line styles of cheaper living. They realized that in this computer age, they could work from just about anywhere. That's caused demand for housing and Colorado to outstrip supply. I'll driving prices up, but there is some hope. Dodge Data and Analytics says Single family home construction in Colorado will increase by 8% this year and by 10% in 2022 jury Bell Keohane NewsRadio comedic actor Charles Grodin has died. He was 86 had bone marrow cancer. Groden wasn't accomplished actor he was popular for his movie roles. And catch 22. The heartbreak Kid and Heaven can wait. Congressional Democrats pleading with Facebook not to move forward with its plans to create Instagram for kids. Lawmakers called out Facebook during a Senate committee hearing on Children's online data privacy today, Connecticut Senator Richard Blumenthal said he has no trust that Facebook will keep young users safe. How much free beer would it take to convince you to get the covert 19 vaccine for one Colorado craft your ovary, They're ready to find out watching vaccine. Mo mentum fade across the state..
"allstate" Discussed on X96
"Commercial for Allstate insurance that's been playing on TV quite a bit. That's hilarious because I got this guy cruising along in a convertible. He's just bumping this song and singing along. It's hilarious. It's a great song to going back to 1985. It was 86 Don't know. Computing pet shop boys on opportunities the next 96 classic. I love this. Keep missing each other. Mike was inside out looking for something that you want to find out more about. You know what Well, I studied after something like that. Yeah. Thank you. Thank you. All right. Line leads. I know I could be. How do you feel about it? Come and take a walk with me. I'm looking for God. The CID thinks about it seriously. I'm Brooke. Am I am I am a woman next door close. You. The woman has the urge to hurt too. Yeah. Bono. Lawyer loss of you Want to know about trust? Trust? No one. Oh, my God. You know I love you, man. There's something so long girl I said we should have along where you say you want Watson. So Girl girl girl girl around your own girl, My girl, my girl, my wallet next Concert on Rose Want sounds like always. I know my girl. No, no, no one like you. This is X 96 classic and.
Biden will direct states to make all adults eligible for COVID-19 vaccine by May 1
"President joe biden addressed the nation on thursday night. The speech came after he signed into law. A nearly two trillion dollar covid nineteen relief bill. Sending fourteen hundred dollar checks too many americans as soon as this weekend one of the headline grabbing moments of biden's address that he'll direct states to make all adults eligible for vaccines in a matter of weeks. I'm announcing the direct allstate's tribes and territories to make all adults people eighteen and over eligible to be vaccinated. No later than may one. Let me say that again. All adult will be eligible to get a vaccine no later than may one. That's much earlier than expected. Let me be clear. That doesn't mean everyone's going to have that shot immediately but it means you able to get in line. Beginning may one every adult will eligible. Get their shot and to do this. We're going to go from a million shots a day that i promised in december before i was sworn in to maintaining beating our current pace of two minutes shots today outpatient. The rest of the
Azure and .NET with Labrina Loving
"We're gonna be talking dot net and the cloud and a very aware as we've regarding the so we're recording this nineteen of november twenty twenty. Don't that five is not very long. It's been out for about a week or two week. Old week-old excellent. I mean the have been the they release candidates but this is like the official as he is here so i'm likely going to end because obviously because of the time cast pop machine whibley. We're recording this in advance of time. So there's likely going to be time. Tony said hey. So when dot net call superseded by don't at five so please bear that in mind everyone who's listening we're regarding this couple months ahead of time but So festival before we talk about anything right. You've set yourself you've been in this this whole this industry for for almost twenty years right to vote for me. I'm you know. That's that's i mean for anyone. That's a long time right. That's that's a whole bunch of innovation that has happened since then like twenty years ago with talking about dot net was like an intranet based technology for inside of the business and now it runs a huge portion of the web. You've got as you. all suppose azure. I'm not sure how. What the official brennan nell right or wrong way okay. So we've got as your as you that that whole thing. And that's that's running dot net presumably or you can ruin your dot net thing on it and and we've gone from like i say we've gone from small web services to scaled micro services and video games and consoles all running dot net. You can never internet on fridge which is just blows my mind. I've gotta got a bunch of raspberry pies somewhere around here that are controlling my bet soon. I just bought a house. So we're excited about you. Know making our whole house smart enabled so i'm excited to start using dot net korir on a bunch of raspberry pies and the you know controlling controlling how long my stepdaughter gets to use the internet. So it's gonna be fun. It's brilliant is one of these technologies the just scales almost everywhere. Are you talked about the raspberry. Pi oko another respite. Pi four hundreds pien inside of a keyboard Is one big folk kit. And i've been using that to do sorts of crazy don net things of the past weekend. I'm teaching roberta. Who's not a developer code with it so it was like. Hey come on what i do. And he's just just the keyboard and while he came over before they Before the unfortuna- say over in the uk. We've had like a lockdown so nobody can go anywhere and so he came over a few days before that and we couldn't get a moment times we staying here for the duration so by the time you're listening to this. Hopefully he's going home. I thought to keep me busy. Teach him to wrestle. Code is totally all right. That's that's fun but then so if we're looking at almost twenty years in the industry what a in your opinion. Some of these innovations that have really changed the game. I mean we talked about chaperone being collaborative bringing everyone together. Dot net clearly has changed a whole bunch of stuff. Is it purely a microsoft thing you thinking or is it just a his aesthetic. I think for me. I i love tech but i also love the people in tack and i think for me. What's with what i've loved. That's change is sort of how we work together. So i remember when i first started in tak started a working for this We built the first installation of of of this insurance company allstate s- Their first online web presence So we built their i kind of web application and bad took hundreds and hundreds of people and it was all these very very very siloed teams. Right there is a huge team of leg database administrators. I have no idea what they did. There is a huge infrastructure team. And i have no idea i i mean i got a chance to like talk to some of them. But there's a huge infrastructure team. There is a huge Devops will be call them the the bill guys but the cuge build than a team and there was all these teams That came together to build this amazing web application but we were all really really really siloed. I felt like and It was such a very everything was so very very very specialized whereas you flash forward today and I feel like the development team and You know infrastructure engineers and Site reliability engineers while there there's different fancy titles for everyone but that teams like shrunk significantly and and and you know we all work really really well together. it's not kind of this like staunchy kind of separation of people it's it's a much more collaborative team. We work much closer together Because i think the tools and technologies have evolved in such a way that everyone can kind of sort of work together much better. So i think that part's been super super exciting. And because of that we were able to get you know it's it's more satisfying you can see applications getting released. You know all the time. I mean you get huge. Companies like netflix. They're releasing features like every day. So it's really exciting to see the pace and end the change of how like software and how technology evolves and then. I also think Just be the the amount of information and of you know how to get Involved in tak It's come to a place where i'm excited that so many people like you're talking about your brother. You're literally decision whom how to code and so literally you know a cup. After lockdown he can apply at microsoft and get a job at burnside. Apply to microsoft. So i i love this. I love this. I love because of i came from. I originally from chicago came from you. Know modest modest family and a lot of people around me or modest living. And so i really loved that technology has started to become a equalizer providing a lot more people opportunities To be able to code be able to change and thereby getting great jobs and then they're thereby kind of really changing their lives so it's not. I love seeing really kind of technology for all encoding for all This whole push for that. That's what's really got me like super excited about this industry now.
Genocide, why won't world leaders call it what it is?
"Sounds like term from antiquity. The kind of thing that there might have been an eleventh commandment forbidding it is not the word dates from as recently as nineteen forty four when it was coined by the polish lawyer raphael lampkin to define the holocaust he survived and which dozens of his family did not genocide is also a relatively modern crime though. Humans have fought clan clan tribe on faith on faith and nation or nation for as long as they have been humans. The ambition of completely wiping out an entire bunch of people was substantially thwarted for most of history by the limits of technology. They are arguably cases to be made for rome's destruction of coffee in one hundred and forty six bc and athens conquest of mills to hundred and seventy years before that but the industrialization of extermination is in general and as raffaelle lincoln recognized name modern blights pilot. And i think that's the spirit. The unanimous bill family the biscuit behind by all allstate ratified mile parliaments at the earliest date inaudible advised acumen rights. Forgive given the protection of international law for the sake of progress and international. Lincoln's legacy is the un's nineteen forty eight convention on the prevention and punishment of the crime of genocide and the row continuing unto the present day over what genocide means who is entitled to accuse him of committing it. And what should be done about it if someone has this week. Canada became the second country to officially describe china's repressions of it's largely muslim week minority as genocide. Well after a fashion though the motion passed parliament. Two hundred and sixty six votes to zip canada's prime minister justin trudeau and most of his cabinet sat out. The motion was put forward by the conservatives. Who called on the liberals to send a united message about human rights. The vote was non-binding although it was backed by all opposition parties and some members of trudeau's own liberal party with the pragmatism or cowardice or a bit from column a and a bit from column be this abstention highlights the reason that governments are often pretty reticent about accusing anybody else of genocide. The convention on genocide does not merely oblige signatories to not commit genocide. It obliges them to act if someone else does. It's right there in article one. The contracting parties confirmed that genocide where the committed in time of peace or in time of war is a crime under international law which they undertake to prevent and to punish the trouble with invoking. The g word is that it implicitly summons an assumption of accompanying action which puts into context the motivations of the first country to accused china genocide against the week as the united states in the very lost hours of president. Donald trump's term so possibly laissez noble statement of principle and more the diplomatic equivalent of sewing prunes into the curtains vixen incoming tenant although intriguingly president joe biden's administration has thus far stood by the declaration. We're going to stop the chinese from their actions. We should be gone to the un immediately and so at sanctions against them in the united nations. For what they did. We have to be firm. We don't have to go to war but we have to make it clear. This is as far as you go. China the difficulty is that stopping the genocide very often necessitates confronting the people committing it and this can be risky expensive and difficult to sell to voters whose interest in the travails of people in place. They couldn't point to on globe cannot be taken for granted. This is the conundrum that to site. One inglorious example lead to the us administration of president bill clinton wintering squeamishly about act of genocide in rwanda in nineteen ninety-four had the us formally called the acts of genocide. An actual genocide questions might have been asked about why words were not being accompanied by the eighty second airborne
Dow Jones Futures Rise Despite Market Rally Warning Signs
"Futures have nearly 100 points this morning. Most global stocks are higher, too. Couple of stocks from our Midwest list this morning, the Allstate Corporation of nearly a half a percent yesterday but down nearly a quarter in after hours trading 107 71 all state, by the way, announcing You will cut auto insurance rates in Illinois by 5% in mid February, and Hyatt Hotels Corporation is up nearly three quarters at 73 78. That's business
"allstate" Discussed on WTOP
"With Allstate, you can really save Find out just how much you can save today, visit all ST dot com or call an agent to get a quote. I'm Rita Kessler. W T o p traffic Well, let's check in with storm team forced Chuck Bell all Sundays. No chances are not created equally. The one we had last week had plenty of cold air to deal with, and as result was Snow from start to finish the snow chance we have this coming Sunday, may start and end as rain and be heavy, wet snow in the middle and temperatures by Sunday afternoon could get to 40 degrees or higher, so this should be a relatively short lived and minor impact. Snow chance It starts around midnight Saturday night and any snow chances over with before noon on Sunday. So keep that in mind. Your Sunday morning could be a little slushy, but Sunday afternoon should be dry with highs in the forties. Don't worry about today, Sonny. Hi 53 will be dry again for all of your Saturday plans Saturday. Temperatures near 30 in the morning and close to 50 tomorrow afternoon, and the additional cold air doesn't arrive until Monday and Tuesday of next week. I'm storm team for meteorologist Chuck Bell for w T o P o. We're inching closer to 50. Degrees up to 49 right now. With sunshine in northwest Washington. Brought to you by mattress warehouse by with confidence with a one year price guarantee on Lian Mattress warehouse. Sleep happens. Calm. It is 12 41. Now Peanuts fans get ready. The Snoopy show debuts on Apple TV plus Today, and we're also getting ready for the Super Bowl of cars the Sunday So what entertainment can you expect during and after the big game, we asked culture critic Jen Chaney, who joined us on Skype. So this is a new.
"allstate" Discussed on KOMO
"Traffic is sponsored by Allstate. If you're driving less, you could be saving more on car insurance. Save money with paper mile insurance from Allstate. Call a local Allstate agent and get a quote Your next Komal traffic at 12 44 are coma forecast out from meteorologist Kristen Clark. Don't be surprised to see a few snowflakes flying across the lowlands tonight, but to actually get that snow to stick will be quite difficult. We're seeing a developing East breeze to sending the Cascades warming and then drying the air so very little of any accumulation will occur. Across Puget Sound, and especially the East side as you had close to the foothills, But there is a will see Snow accumulation. Well, that's gonna be the hood canal Reach in parts of the kids at Peninsula could see a slushy wanted two inches of snow late tonight into early Wednesday, resulting in snow covered roads for a brief time. I'm meteorologist Kristen Clark in the Coma Weather Center in Seattle. Right now. Mostly cloudy 44 degrees had come on news. An argument between a father and his adult son ends in a deadly fashion. Last night, Pierce County deputies were called out to the Meridian terrorist Mobile Home Park. At one point, the son reportedly had a gun, but it had been taken away from him and hidden. The time deputies got there, though he was armed with what appeared to be a knife. They say they describe him as uncooperative and eventually one of the deputies shot and killed the son, who was in his fifties. No deputies were hurts. Authorities recovered guns and a knife from the scene. Almost Frank Lindsay. Yesterday we told you that Hispanic people were four times more likely and that black people were twice as likely to catch covert as their white counterparts. Part of the reason may come down to trust Co most, Brian Calvert explains. Sometimes it's lack of access for.
"allstate" Discussed on KOMO
"A report this time is sponsored by Allstate. If you're driving less, you could be saving more on car insurance. Save money with paper mile insurance from Allstate, Call a local Allstate agent and get a quote. Will you start off Mostly Cloudy today in our Cuomo forecast does call for a few sun breaks possible by this afternoon. Some folks have had some scattered showers this morning, while mostly from Ever north toward the Arlington area. And there's a little bit of scattered snow flurry activity and some of those Cascade foothills in the North. Sound overnight lows around freezing today. Today's high only about 42 tomorrow, a mix of partly sunny skies and a few scattered showers. Come on news time. 8 26 NBC Entertainment News one Saturday Night Live Returns for Season 47 on January 30th John Krawczynski will make his hosting Dave, you better late than Never. You are scheduled to host last spring. Ahead of the planned release of the sequel to his hit or reflect a quiet place. Then that debut and us an elbow Scott put on hold you to the pandemic. Shits Creek star Dan Levy and Oscar winner Regina King will host the February 6 The 13th SNL Additions. Kong bows to No. One. We've got our first full length trailer for Godzilla versus Kong. And it's exactly what it sounds like the two legendary movie monsters going toe to toe in a film that was supposed to have opened in November. Now little premiere in theaters and on HBO, Max March 20. Six. I don't scare easy. Liam Neeson's The Marksman tops the pandemic box office for a second week in a row, earning another two million bucks on Grammy winning singer songwriter Alicia Keys is 40 Monday. I'm Christopher Watson. ABC News for the first time since 1983 when Anheuser Busch used all of its ad time to introduce.
"allstate" Discussed on WTOP
"With Allstate you could really say, Find out just how much you can save today Visit an Allstate agent. Or all ST dot com. Married to pump the W T o p traffic storm team force Lauren Records. We've got a lot going on. Starting with these cold temperatures this weekend. You're right. And in fact, this is probably about the quiet it is gonna be over the next I would say 7 to 10 days even though we have the winds today, Yeah. Blustery winds out of the Northwest gusting up to about 35 Miles an hour temperatures only in the thirties. So that means wind chills in the teens and twenties throughout the day, Wendell settle down after six PM tonight We are Why it through tomorrow. Temperatures tomorrow, right around 40 degrees, lighter winds, increasing clouds. One thing I do want to mention out there Right now We've got a few flurries in Ortho DC and through Maryland. So you may see a few snowflakes if you're driving around right now, especially if you're north of D. C. Otherwise dry tomorrow. Monday, Tuesday, likely weather alert. It's going to be tricky Travel Monday and Tuesday. Now Monday morning looks fine. But as we go through the mid morning and into the afternoon, sleet, freezing rain, rain and snow began to push into the area from the South and west. Really, depending on where you are. Depends on what you're gonna get it any time at one or two degree swing and temperatures. It's also going to dictate what you're going to see. There's gonna be a very, very tight line. I do believe, of course, well, South and East, you're going to probably stay all rain. But once you get north towards I 66 towards route 50 in Maryland. That's when you start to see some changes. Whether it be sleeps and freezing rain and snow. We're gonna keep chances of that through Monday afternoon. Through Monday night into Tuesday morning, tapering off Tuesday afternoon Tuesday, mainly looks like rain for everybody is temperatures are going to be in the upper thirties and forties, but it could transition to a little bit of snow before it all moves out Wednesday. A few snow showers and then another system on Thursday and Thursday system looks like snow wind chills right now 23 in Washington. Gaithersburg, 19 Call Pepper Manassas 22 brought to you by patient First physicians, X rays, lab tests and prescription drugs with 20 D C. Metro area medical centers. It's 6.
"allstate" Discussed on KTAR 92.3FM
"Brought to you by Allstate with Allstate, you can really say, Find out just how much you can save today. Visit all ST dot com or call an agent to get a quote Deter Nan Kay Cheron is it'll be a warmer but pleasant Tuesday and we're going to see our 1st 70 degree day of the year. Today will be sunny with a high of 71 Tonight will be mostly clear with a low of 44. Then we'll climb to 72 under mostly sunny skies on Wednesday. Highs will cool back in the sixties this weekend. ABC 15 meteorologist. Iris Emma, CEO at 603. It is 43 degrees in Paradise Valley, the well. He rallied in Georgia last night ahead of two critical Senate runoff races in that state today and while on stage The president turned his attention to Arizona for a couple of minutes. Katya ERS Jim crosses live with the story. Jamie the president, spending right around two minutes, reading a letter from Arizona House Republican Mark Finchem. Lodging, significant voter fraud in Arizona. Here's just a small piece of that letter members of the Legislature of conducted to public hearings in recent weeks during which significant evidence of fraudulent and illegal voting in Arizona's been demonstrated. Through expert and eyewitness testimony. So far, eight lawsuits in Arizona challenging the election have been dismissed in the courts Live in Phoenix Jump cross que ta Arne. We're just over two weeks until inauguration day. Arizona's Republican Party hopes one Supreme Court justice will agree to take another election challenge involving our state. Arizona GOP chair Kelli Ward wants Justice Samuel Alito to consider a case recently dismissed by a lower court against Vice President.
"allstate" Discussed on KNBR The Sports Leader
"To the college football playoff semifinal at the Allstate Sugar Bowl on ESPN Radio and the ESPN app. My Crew co speaks your language. Every Monday, Wednesday and Friday with Murph in Mac at 7, 35 on K NPR and KNBR Evans, San Francisco. Way in the playoff, the first team to punch a ticket to Miami Gardens on a Monday night, January 11th. They'll play for the national championship. They have two Heisman finalist three guys in the top five. Two of them hooking up here, trapped for the third time in the game. Let's hear Joe Tessitore described Mac for Devante and now first and goal from the seventh sprint. Right Burger Mack Jones for the end zone E goes to the corner, Smith puts down The fuck tased Smith with hardly any room to work with. Somehow, subway doesn't again Oh, what a Rose Bowl First Smith, his third touchdown. Seven grabs 130 yards. As you heard, Joe mentioned his third touchdown and Alabama rolls trip, and the Notre Dame defense was geared to stop the Vontae Smith. Nagi Harris and Mack Jones. And all three of those top five Heisman vote getters lit up the northern aim defense anyway. No doubt about it. It's time for straight talk sound bites brought to you by straight talk Wireless straight to the postgame podium zoom style. With Brian Kelly member coming into this game, Kelly had said. What is everybody fretting about where here?.
"allstate" Discussed on WTOP
"Save money with paper mile insurance from Allstate, Call a local Allstate agent and get a quote. Steve Dresner. W T o P. TRAFFIC All right, Steve, now to storm team for meteorologists, Brianna Berman solo, which whether advisers It is a weather alert day as we're looking at heavy rainfall moving into the region for the late morning hours the afternoon and into the late evening watch for that rain may become difficult. See it times out on the roads to the north west of Washington were talking about freezing rain potential, and that's where the weather alert comes into play as there is a winter weather advisory out ton northwest of Washington again this through western Maryland. And West Virginia, the Blue Ridge Mountains. Also looking an ice storm, warning 1 to 3000 Ft. We could see the accumulation of 2/10 7 inch of ice. Saturday. Looks like we've got fog in the forecast for the morning hours, and then we'll warm up in the afternoon mid to upper fifties, Maybe 60 degree that's going to be a warm one. Sunday. It looks like rain returns. The forecast will be in the low to mid forties. I'm strong team for meteorologists, Brianna, Brazil. Oh, well, we've got light rain all across the area. Some heavier bands rolling through north and east of Washington through the green Belt and Riverdale areas of Maryland right now, light rain in northwest D. C. Temperatures standing at 38 degrees in Bethesda, 38 as well in Arlington and 36 in Lanham. Outside the W T o P studios. 35 degrees brought to you by patient first positions, X rays, lab tests and prescription drugs. 20 D C metro area medical centers 11 42. Now the FBI is rated a farm in Michigan, seizing evidence against some suspected white supremacists. Law enforcement.
Customer Experience in the Digital Age
"Talk a little bit about this. This idea of towards an ai. I operating model. Obviously a lot of people are familiar with it's on the minds and lips of so many different executives and certainly especially technology executives. But why this topic and why ranted around the operating model aspect of his as well. yes sure. so it's been clear for a while. Now that many organizations are at somewhat of an inflection point in the realm of digital transformation with here are our clients talking about this amongst their leadership teams and we hear captains of industry like tom. Siebel another recent guests on the podcast characterizing the last twenty years as an era of mass corporate extinction for those companies that failed acknowledged that the shifting digital landscape he says something like fifty two percent of companies in the fortune. Five hundred have fallen off the list since two thousand So at the center that's inflection. Point in the surrounding discussions are a lot of digital technologies The one that we've found to be most prominent is artificial intelligence undoubtedly a trend. We've been monitoring and witnessing for some time now however Leading up to our Digital symposium in july. We noticed the the conversation around a it was a evolving Specifically it was shifting from promising use cases in functions and business units to grander scale transformations so companies. Were rethinking as you said. The entire operating model in the name of ai redefining the seems the structure of the organization to break down data silos and standing up in a lot of cases entire Auctions dedicated to identify piloting and scaling. Those use cases that were most promising Symposium in july we survey about one hundred global cio hypothesis and found that. Two-thirds had already spun up dedicated teams or entire functions to focus on identification pilot than scaling of a i use cases and for those who more yet to do so sixty sixty percents that it was actually on the roadmap so this trend originally coined as shifting to a i i buy. Google was getting legs and we wanted to capture some characteristics of organizations that are effectively navigating the shift. You're very interesting. Talk a bit about the two executives that you you interviewed palo arbor from ten healthcare. Chris gates from all states a a leader in the in the health. Space a leader in the insurance space. Talk a bit of balance. Why them and why their stories were compelling sure. While starting in the aggregate healthcare and insurance or two of the most data heavy industries and generally where there's data there's opportunities to make products and experiences more intelligent and more automated in the case of gala the cio tenant healthcare there there's an ocean of clinical and claims data available from speaking with her in the past i know they're laser focused on synthesizing that data combining it with voice of the customer analytics to help improve the patient experience and enduring the panel. She shares some really interesting nuances on how to pursue without undermining the importance of the the human side of the patient physician interaction and then just recently under the pressures of covid nineteen. She has truly demonstrated her ability to lead in a crisis and spin up new data driven solutions in near real time to help manage these most unusual circumstances and then chris gates Chief technology officer at allstate is representing a company. That is no stranger to doing innovative things with data in the space of insurance The drive wise program for example that monitors driver dilemma tree data and offers rebates to those that exhibit behaviors on the road or the similar but different mile wise program that provides a pay as you go metered billing model for auto insurance both truly examples of creating new business models on the platform data in a i and outside allstate Chris just a truly dynamic leader that brings insights and experience colored by his leadership posts at other formidable companies such as a i g under armor and various business units general electric
Allstate Surpasses Q3 Earnings and Revenue Estimates
"Is out with third quarter earnings of $1.15 billion, with per share adjusted profit of $2.94 a share crushing expectations. The insurance giant posted revenue of $11.5 billion in the period.
Kain Warwick of Synthetix on Where the Company is At
"We're. At and what are your kind of the biggest priority? Yes. I. Published an article today, you know one of the things about device it is so early that it's really hard to predict. You are out what your priorities are going to be right. You can take your best guess but. Startup life and I think you know early stage project is very much about being responsive to the market. You know you just go out there and wish that things were way up to actually deal with the way that they are. and so I think being aware of that we've seen over the last probably two to three months is that the demand for stable allstate acquaintance but decentralized orange as well has skyrocketed, and so we've had the supply imbalance where there's a ton of demand for US USD in up supply. And so we're working on alleviating that by introducing. The latest version of our either collateral, which will allow you to borrow s USD from eight directly. which is not something that's been available before So that's super exciting. And then always the gas prices are are huge issue right now So we've had a number of different optimizations that have been available to us for a long time, which we're just low priority things because you know there's a lot of priorities out there and in a lost. Three to four weeks. We basically just made a call to kind of. Pull some of the documentations out around transaction costs and try not. Muslim but probably, the biggest thing is the transition to. Optimistic. So the L. to solution from optimism team. which is a huge deal desma announcements coming out like really soon, correct me if I'm wrong but you are definitely one of the few projects that is actually working on and kind of you know going live with something that involves a level L. to solution. Right does a lot of solutions out there. Moment but I think this kind of three general categories that that are available right? You've got the hybrid off chain solution. So things like diversified, you wind ex are looking at stock wear. Because you know when you're. Using some state in like an chain solution in a stock wears quite quite a powerful solution APP Ck, your knowledge proofs essentially. Zero roll ups. And then you've got state channels and payment channels and things like that which are not really like generalized computation, but allow for very cheap payments right. So we've got billions of dollars with a stable coins flowing. Around. The theorem these days. And we need ways to kind of optimize that and then I think the the probably the most exciting category are the the actual generalized EDM compatible altitude solution. So optimistic theorem falls into that category where you're literally taking same contracts that you're running on one. And you're deploying them to this other. Chain sexually assaulted chain and so it will be. Other than out demo that we did in the union demo. You know one of the first kind of generalized elsia solutions but I think will will see running on tested initially, and then over sale may not eventually. So super super exotic. Why
Playing to Win With Shawn Harper
"We are back on the virtual state of the Authority projects. You are the project and we WANNA slept with thirty two your name so you can sell what you're great at in. We have a treat for you today and his name is Sean Hopper. He is a former. Nfl Player. I loved the failed love football all day every day. Like I said we can probably talk about that for an hour. But we're not here for that. We're here to to make sure that you finish off strong in twenty twenty but before we dive in. Please tell US Shawn first of all who you are personally and professionally personally. Shaun Harper personally a warrior. I'm a child of God. I don't hide that. I think that often is huge. And so what? I'll just you know go there you know speaking with. Your Voice of WHO? You are mentally spiritually socially is is is extremely important if you WANNA win in two thousand twenty and end in two thousand twenty one Born raised in the south side of Columbus Ohio Had had had a very interesting childhood. But I've learned how to rebrand my adversity By looking for opportunities in looking at it from a perspective of gratitude professionally like you mentioned plate seven years professional football with the rams with the colts retired. And now I Not only run. I have my own firm for almost twenty years. I teach people how to win. That's me I love it awesome. I am so excited So tell us right now before we go further in. Tell us what project. You're currently working on right now. We know what right yes short. I just finished my first Coaching course it's it's it's actually finished. It's so new that I'm not even gonNA advertise today. A Shaun Harper wins. Probably some time next week. It'll be up but I am so excited about that in house actually challenged because you know I cut my teeth on speaking so I travel in speak all over the world and people have been challenging me like you know what this great. You're able to speak great. You have a platform but you know what when you leave. You're gone you know where the books so I hadn't heard him get books like where's your courses and so I had my first course finishing s what. I'm working on right now. Okay great okay. So let's let's get into it. Let's get into it. Tell us where do you begin? Tell us your journey like what took it to this place where you're in the space of being on stage. You're doing courses now. You're you're writing books to inspire others the that all Derived FROM OKAY. So in order for you to For me to really explain that I have to give a little back story of my personal life of my upbringing. In a kind of forced a shift in my perspective ideology and my thinking born born and raised in the south side of Columbus Ohio. And most people think you know if you play professional football your business owner you must have had great opportunities growing up silver spoon in the mouth and you know nothing. Nothing I promise you. Nothing could be further than the truth. I struggle started early a as a a product of a single home environment. Mom was mom and Dad End in Butler made whatever you have as what she wasn't. She raised six of us all by herself. Amazing six kids. One house bathroom Mom did that. She's she's a remarkable woman Educationally I really suffered a had to repeat the first grade document with four to five learning disabilities by ten miles in the fifth grade. I was kicked out of two schools for disciplinary issues Left Highschool with the one point. Six two accumulative Jeff. Nine Alesi T. A. in fact I didn't even start in a well. I barely started in high school football. I wasn't honorable. Mention all conference all city allstate or intergalactic. None of that in fact I would. I would sit at the banquets now. The other way in the back eating at nasty court on blue and guys are getting into audience. Awards and I was just so upset. I wouldn't I wouldn't tell no one but I was extremely depressed. Angry in in fact. I was voted most likely to fail in. Know right here From graduating last in my class in academics I get a phone call from junior college two year school in Iowa. And you're like Sean. We want you to come to Mason City Iowa. Junior college to play football coach. Believes you have this thing called potential. You know what a that and a I go to the Cornfield. The cornfields of Mason City Iowa in the first year at the junior college. I sat the bench the entire season. Not One play and I remember calling my mom like mom I quit. You know I give up. I'm done know know I'm I'm expecting Montlake. Baby you try come on home the opposite boy state you. You Ain't coming home like what are you coming home to get violent. Just just things in home. No don't get stale way and sometimes that shift is good for kids and so going into the second year. I had a conversation with myself and the conversation was more on the lines of you're right or they're right. You don't have the education. You don't have the accusation. You horwood football you suck right now. Okay There's no way you can be successful right but you can win. You can win and the moment I made that paradigm that shift in my mind you can win. I begin to look at life differently. A beginning look at life as a challenge to begin to look at opportunities that I've never seen like I begin to macgyver. Life right and I went from sitting on a bench with the winning mindset that I was able to adapt if you want to expand on that to being you know junior college hall of Fame All Region Full Scholarship Indiana University draft any. Nfl Pick in fourth run to taking the same concept of winning and bringing bringing it to corporate America.
Allstate Arena goes red to draw attention to impact of pandemic on entertainment workers
"And good workers gathered at red lit parking lot. Outside the Allstate Arena last night, is part of an industry drive to push Congress to pass legislation to help them with covert 19, which has brought the entertainment and event business almost to a complete halt. Bob readers, president of the Chicago Federation of Labor. Right now, it's not hard to ask. Pass the Heroes Act to sign things like the restart act and make sure that we're taking care of folks. Last night's event was part of a national effort to get Congress to pass the restart active bill guaranteeing Loans to small businesses hit by the pandemic groups also urging you to contact your local member of Congress Congress to help get that bill passed Northwestern University's cutting undergraduate
Determining Your One Thing with Gary Keller
"Hey. If you're a small business owner by now, you have figured out that you can't just work in the business you got to work on the business you've got to get above it gotta do strategic planning and team building all the things that cause a business to actually scale to the next level. That's what it takes to achieve your dreams. But how do you do that? It's not that easy. From the Ramsey network this is the entree leadership podcast where we help business leaders, grow themselves, their teams and their profits. I'm your host Daniel. Tardy, and today we're GonNa talk about how you actually scale a business. How do you get out of that startup stage the treadmill stage you know the bootstrap thing where it's hard and just grinding whatever you WANNA call that stage you've got to break through it to get to the next level. But, it all starts with what we call humble beginnings. All businesses start, but they don't have to stay there and they should stay there had you've got dreams of this thing becoming a big deal and my guest today it's GonNa teach you exactly how that works. Gary Keller is the CO founder, chairman and CEO of keller-williams maybe you've heard of them well, in fact, they're the world's largest real estate firm by agent count he's a titan of his industry he's built a dynasty. But it didn't start that way. And a Gary's, case. He was a real estate agent. With no track, record. So I didn't have any real focus in college and my dad, my sophomore year says, Hey, you probably need to get a major. So he had me that summer spin a day with a lawyer David account a with a banker with a realtor not like the real tournament went back to college and turns out they were just a major mural state. So that's how I came to get my degree allstate was the dad said, just go shadow these people. As exercise I mean most dads don't have their sons do this. So that's that's fascinating to me. He was an educator. So my mother and father were both educated so that that made sense to him. I got to college study real estate came out attributed like a job. So one of the biggest mistakes the independent contractors make is they don't treat it like a job, right they get in there for the freedom and the flexibility and the possibility of untold wealth, and what they do is they take advantage of the freedom and flexibility and they overtake advantage of it, and then they never get the wealth. It's a job it's a job. So I came out of college come to Austin I'd been here once before my. Family I didn't know anybody at the time other than a former school friend and join US Real Estate Company and start selling real estate and all I did was treated like a job that is I got up early and I went to work. So I showed up and by the way there was nobody there and literally would pull my little Volkswagen into the office and there was nobody there and I just got to work and they said look you're gonNA have to generate because we're not going to give you any clients. And of course, I went oh my gosh and they didn't talk about that in college at all. You know they talked about real estate they never said you to generate a client, right? and. So I had to go learn to Lee generate and I read some books and two classes and I went out and I saw five houses my first thirty days in a city that actually never been to write other than once and I did it just by following the books I did what they told me I. Didn't one of the mistakes that we make. I think is that we try to be creative on the front end of doing something instead of the back end and when I mean is is that I had a college professor say Gary Pretty Smart. But if you look around, you realize that people have lived before you. And you might WanNA study them before you go and try to reinvent the wheel and that had a profound impact on me because my went. Okay. So what he's saying is I, should go find out where people who are doing this the best are and just mimic them until I internalize what they're doing. So I, understand it and then I can be creative off of that but. I shouldn't go in and just be creative on the front end because what do I know it would take me years to get smart by doing it and learning from me doing it. I could really speed that up I copy and other people in the beginning. So that's really what got me going. What I came to understand was sales is helping people make good decisions and I didn't. Care in the end I had no real vested interest if the decision was not to buy or if it was to buy because I was looking for clients for life and in the short term, you would think well, I needed everyone to buy because I or or sell with me because I need to make money now but I looked up and I realized pretty quick I wanted to. Have a great career, not just a great year in the way to have a great career was to not overly emphasize the moments income focus on doing right by people they'll do right by you. Right people don't care how much you know until they care right? Did you it these mantras that are not really just mantras they're actually golden rules in philosophies about how to look at things.
Determining Your One Thing with Gary Keller
"Gary Keller is the CO founder, chairman and CEO of keller-williams maybe you've heard of them well, in fact, they're the world's largest real estate firm by agent count he's a titan of his industry he's built a dynasty. But it didn't start that way. And a Gary's, case. He was a real estate agent. With no track, record. So I didn't have any real focus in college and my dad, my sophomore year says, Hey, you probably need to get a major. So he had me that summer spin a day with a lawyer David account a with a banker with a realtor not like the real tournament went back to college and turns out they were just a major mural state. So that's how I came to get my degree allstate was the dad said, just go shadow these people. As exercise I mean most dads don't have their sons do this. So that's that's fascinating to me. He was an educator. So my mother and father were both educated so that that made sense to him. I got to college study real estate came out attributed like a job. So one of the biggest mistakes the independent contractors make is they don't treat it like a job, right they get in there for the freedom and the flexibility and the possibility of untold wealth, and what they do is they take advantage of the freedom and flexibility and they overtake advantage of it, and then they never get the wealth. It's a job it's a job. So I came out of college come to Austin I'd been here once before my. Family I didn't know anybody at the time other than a former school friend and join US Real Estate Company and start selling real estate and all I did was treated like a job that is I got up early and I went to work. So I showed up and by the way there was nobody there and literally would pull my little Volkswagen into the office and there was nobody there and I just got to work and they said look you're gonNA have to generate because we're not going to give you any clients. And of course, I went oh my gosh and they didn't talk about that in college at all. You know they talked about real estate they never said you to generate a client, right? and. So I had to go learn to Lee generate and I read some books and two classes and I went out and I saw five houses my first thirty days in a city that actually never been to write other than once and I did it just by following the books I did what they told me I. Didn't one of the mistakes that we make. I think is that we try to be creative on the front end of doing something instead of the back end and when I mean is is that I had a college professor say Gary Pretty Smart. But if you look around, you realize that people have lived before you. And you might WanNA study them before you go and try to reinvent the wheel and that had a profound impact on me because my went. Okay. So what he's saying is I, should go find out where people who are doing this the best are and just mimic them until I internalize what they're doing. So I, understand it and then I can be creative off of that but. I shouldn't go in and just be creative on the front end because what do I know it would take me years to get smart by doing it and learning from me doing it. I could really speed that up I copy and other people in the beginning. So that's really what got me going. What I came to understand was sales is helping people make good decisions and I didn't. Care in the end I had no real vested interest if the decision was not to buy or if it was to buy because I was looking for clients for life and in the short term, you would think well, I needed everyone to buy because I or or sell with me because I need to make money now but I looked up and I realized pretty quick I wanted to. Have a great career, not just a great year in the way to have a great career was to not overly emphasize the moments income focus on doing right by people they'll do right by you. Right people don't care how much you know until they care right? Did you it these mantras that are not really just mantras they're actually golden rules in philosophies about how to look at things.
AI Opportunity in Insurance, from Process Automation to Decision Support - with Gary Hagmueller
"This week's episode is focused squarely on insurance. There's a lot to keep track of in the space from claims to underwriting to back in process automation to customer service every six months the landscape of AI vendors and known use cases in the enterprise companies changing in altering in part of our work involves staying on top of that that means speaking to heads of AI and innovation leaders at companies. You might know like Geico allstate or Axa. Some the biggest insurance players in the world as well as staying on top of the start up ecosystem this week we speak with one of the players in that. Startup ecosystem. Gary Moeller is the CEO and president of Clara Analytics Clara analytics based in the bay area. And they are focused squarely on insurance artificial intelligence applications Gary previously was the chief operating officer at a house. D One of the rare companies in Silicon Valley to raise hundred million dollars plus for an artificial intelligence company and he was before that the CFO at Zoro which is an incredibly successful subscription management payments. Firm out again in the bay area so gary has got a pretty storied past in the startup world. Clarice raised about twelve million in there. Certainly on the way up insurances ripe for disruption and there's plenty to cover so gary gives us his perspective on where is making its way into insurance where he thinks it's going to make the biggest impact in the relative near term without further ado. We're going to hop right. It says Gary Hag with Clara analytics here on the business podcast so Gary. I wanted to start us off with just your idea today as to where is making a difference in insurance what what functions. It's being adopted into where the traction is today. If we look at a in the Insurance Enterprise Great Question. Damn yeah so so. There's definitely a whole bunch of different places where we're starting to see a proliferate. I will say it's probably very early days really for a big time. So we're you know. Obviously we are very focused on the claims operation space and so we're seeing a variety of different places where this is getting applied. It's getting applied. At least we're we're we're seeing it generally in two flavors things that can kind of be automated away. You know think simple tasks that it you know today. You got a human doing that. Maybe doesn't need to be done and in the second place where we're seeing it. Generally is is occurring in places where there are very complex in weak signals. That have a pretty large bearing on the outcome of whatever the person is working on or whatever the group is working on in is really being used as an augmentation of human capability but so think about the ability to kind of see around the corner and figure out where the things that that could affect what they're working on positively or negatively are In giving them action in on so like nausea as he said. Our focus is on claims ops but yet we have it a guy on my board works in in underwriting and we seen a bunch of different places where this is starting to apply even in the actuarial space. But it's been you know it's really feels like there's a. There's a groundswell of interest activity coming. I like your break out here when you when you look at a impact and insurance. Maybe we could do this with any sector. But you're talking about two categories. One is what can be automated away. I like the term. A lot of vendors are afraid to use that phrase even because it it comes across. You know immoral. You're one of those automation. People stealing job I. I hear a lot of vendors been far too tender with being able to say that phrase Second informing decisions. So it's sounds like a short breaking things up into we look at insurance. What might be an example of each just to give people a Nice Representative Lens into space some automated stuff and then some some decision informing. So I'm GonNa give you some thoughts on both of those but I do WanNa touch on the point on the automation automation away. I feel like that's a topic. That comes up a lot in this whole a discussion on. I don't think it's as sinister as which you portrayed it as I think it's really a situation where there's a lot of tasks that are being done today that I guarantee you that people do not. I don't WanNa do. And it's part of their regular job and so if you free them from doing tasks that they don't WanNa do in focus them in on the things that they would rather be doing that. They are probably better at doing right. That actually ends up making everybody better off instead of giving you kind of an example right. There's a lot of places where you have things blow through processing right where you can get a claim you can analyze. The machine can analyze the claim. The machine can make a determination that like this routine claimed. Let's just go ahead and eight. You know issue payment or issue settlement or whatever On this particular thing so that's maybe an example of things that the kind of flow through the machine can take care of An ambitious close out without necessarily having to kick it up to somebody who is just going to you know. Look at it. Roll their eyes. It's just another one of these ones again. You know do a couple of things. Close it out and move on right. So that's kind of an example of the automation flow the other side of it. So think of it as kind of decision support or or kind of enhancements human enhancement is what I would basically think about it. Were that's where you know. This is this by the way is common across all areas of machine learning. Were what you're doing. If you're tapping into an appropriately. Large amount of data. You're going to begin to pick up weak signals right in in things that are actually deterministic. That most humans aren't going to be able to go off and do right in in. That's for two reasons number one. They may have been doing this job for ten fifteen whatever years to have a certain way of doing the job and they're just never going to look at those other sources of data right. The secondary part is that some of those sources flow in places that people generally don't even look at so if you've figured out how to tap into all these different data sources and you can then get a much more complete picture like in the case of the sorts of things that we do. We can do a much more complete sense of what's going on with an individual claiming give evidence on like exactly how to attack this problem. Right now to mitigate loss or wind up doing something that's going to wind up making the claiming happier subtle faster. That sort of thing in. Maybe there's an interesting sort of exercise that we could do so I guess one quick thing I did I certainly wouldn't call automation sinister per se. I think there are to be some cases where someone gets freed up to do something more cognitively interesting and it's a thank goodness kind of experience. There will be other times where you know. Abacha folks in India Needham Filing TPS reports anymore. You know what I mean. They'll find somebody else to work with point blank period. There's going to be that and I think everybody needs to be pretty honest about it but there will be plenty of of experiences where we'll be able to move people up in work more interesting things when you look in a business and obviously insurance is your space and you aim to sort of help. Maybe business leaders think through where I can find a fit. You look at a business and say oh here's some identifiable for our potentially automative bucket and then here's some ones that we can also identify for the decision bucket. How do we put on a pair of goggles to to see those opportunities an insurance? What might be helpful.
Allstate to payback $600 million in auto premiums to customers amid the COVID-19 outbreak
"Allstate announced it would return six hundred million in premiums to customers and said that most policy holders will get back fifteen percent of their premium in April and again may and it looks like other insurers may follow suit in a statement to USA today State Farm said it's expected to make a decision on premiums by the end of this
Ruminating on Food
"We start with an interview. Anthony Davis now guest today on the sustainable futures report you'll the CEO of big bomb which is a not for profit organization which is being trading for some twenty years. As I understand that your role is to encourage healthy eating and sustainable agriculture correct. So how do you do that? Well we when I first set up. I'm a fifth generation farmer and set up the side. Because we were growing onions in Norfolk at them. Every time we went to sell them we could get about one hundred pounds a tonne and two days later. We'd see the onions on the TESCO shelved for about eight hundred pounds a tonne Food supply chain has is giving as Dale and consumes about Dale because If anyone turned out femme Australians we'd be happy to sell them off the process signet so the big bomb is all about reconnecting. People buy that through came from at helping to sell directing consumers by right and we're hoping that process that people would find us about three day on eight health late because they buy fresh local food. You've been doing quantitative what with schools leave. That's right we say that To change people to cooking and buying food we really need to act on the influences and we say the main influences as children because if you can get children eighteen lane that parents wanting healthy fade away. It'll encourage parents to eat better food as well. So what you're doing with the children in the schools well we ran a project in Leicester where we went in every week to help the kid. Some grow seats In plant pulse and that we built some raise bets implanted fruit trees and these children lentil about growing food and when it was ready they were really enthused to taste it and Actually Cook with it and we had this added incentives that they could then take. Will they'd grown to the local shop and the local shop and sell it for them and says cool crop for the shop and it was really brilliant way of introducing children about food and growing only plans to roll it out further into other schools across the country. We absolutely love to because We Got Twenty six thousand schools in this country and we found out that fourteen thousand of them will go to veg. Patch and a m Or Garden as would actually quite easy the mold getting both but unfortunately it's not on the curriculum and at the end of the year with the School Esta. We went to the teacher. Teaching nights as the VEGGIE PATCH. We managed to get a lot of them. Academic Subjects Fetch. So are you going to do it? And she said On anything what's on the creation and unfortunately waving running petition for a long time about getting school food growing grant and cookie on the curriculum and The the government with allstate only measure scope foments on a level massive English and. That's a big mistake. So we all lobbying and we'd love to do more but we're restricted by government mind. That's a dead end for the moment. Unfortunately them while there is a new food and farming policy coming out at the moment and being worked on and we hope that with the evidence week with another number of other organizations that it will change and the government will say the opportunity. Because if you can if you can change able to eat healthy food I think at the moment. Twenty percent of energy as spend is on food related disease so we can get paid eighteen healthy food and if we get infants at school eating healthy food we could see some massive savings Indiana chess. I just told me that again. Twenty percent direction of. Nhs expenditure is on food related disease. Yeah and I think ten percent diabetes and the rest is Be St in Hop. Z's and Allah food related problems. So Yeah Yeah. That's a lot can be done. And I think the time is ripe with Brexit and with people about mole and with the The massive amounts of food aid programs on TV like Brexit. To this will start thinking about whether food comes from and We have kind of news of out sanctions and import duties on some products. Hopefully things like Kim American. None cheap food chlorinated chicken and processed pool come from low animal welfare factories in America said that they will be on. The tariffs kept type thing. Yeah okay Ob some GT but Mr Trump doesn't want much self-aware going to have to look into domestic food production. We're GONNA have to and hopefully when people see this. Trait will happening with cheat American food. They'll stop thinking about will feed they should buy and when they to seek market. They'll think about whether three comes from clear. Labelling which will be really good at. But the I need Kinda Is someone who is produced locally. And he's a he's reputations in state which is where all Lakewood food map comes in. Not Yes I was gonNA come onto that single food map. Tell us about not because it seems to be a cover the whole country. I looked at my lug layer. Your canoe got five or six produces listed so tell me more about it well. It's constantly evolving constantly. Updating map that Tim at eight and a half thousand local food outlets on it and every outlet has a username password to add pictures video description and even build themselves online shop if they want to do now is we share all matt with many websites we can so we'd love Yorkshire Websites to have on that and actually be adding to it and the idea. Is that when you have it? Looks like it's you'll 's and the mole websites have the map the mold as who will not benefit because they can update page updates. Don't allow the websites so I'm to help that process we becoming am a co-op community benefit society. We're sending a message that everyone can deposits and if its success. We share in the SUCCESS FOR ALL RANDOM. A lot of these companies that Backed by venture capitalists Orem investors. Who saw cancel the money?
How Teladoc Health Approaches Clinical Quality, Meets Hospital Virtual Care Needs
"So recently I came across an article On Talladega with the title. What's not to love about being in virtual healthcare? Maybe you can comment a little bit about the experience that you hope to create for patients as well as what safety and quality measurements. Do you as a clinician hoped to focus on through tele doc solution so I do believe that just like ten or twenty years ago when folks began exploring what it meant to be Devoting one's career to hospital medicine and we had that growing growing definition of the hospitalised. Actually the physician that coined that phrase Dr Bob Wachter WHO's the current chair? Uh of the Department of Medicine that. UCSF recently joined our medical advisory board. But I do believe that There will be in the years ahead. A growing field of medicine known as virtual care and that we will have virtual lists and virtual lists will have outstanding upstanding website manner if you will that ability to connect with patients and a highly personal way and then be able to offer that that individual a whole range of services. meaning that if that person for instance needs an expert medical opinion that virtuous can achieve that or if they need a type of referral to some type of specific expertise again the virtuous can care for that individual increasingly from our clients were getting Strong interest in virtual primary care. You're so this is an area that we believe is very ripe for development right now So no longer. Does it mean that your interaction with your virtual doctor is that episodic interaction but increasingly I do believe that there's a number of individuals who have a variety of chronic conditions diabetes hypercholesterolemia hypertension that really lend themselves into a longitudinal relationship with a clinical care team. And all of this can be done. Virtually what about quality and safety. What are you looking for? What are you tracking with these teams until talk solution so we believe that At the end of the day clinical quality is really what differentiates health In the market today and so we take clinical quality. Quite quite seriously actually Dr Bill Frist is On our board of directors electors and he tears up our quality and safety subcommittee and I would say that my job is a pretty easy job because when coming to that committee and having various ideas in terms of how we can move the quality needle I feel as though the quality and safety committee at CAL is a highly receptive audience for initiatives in these areas. So what are the some of these initiatives one. Our current General Medicine Program does see a tremendous amount of individuals who are suffering from upper respiratory illnesses. As you know there's a ramp's over prescribing of antibiotics And one initiative that. We've been very very focused on is antibiotic antibiotic stewardship. We're very happy to report that. We're currently working on a ARC grant With some researchers from the University of southern in California. Just around antibiotic stewardship. We do believe that we're currently tracking a bit better than brick and mortar in terms of Not Not over prescribing antibiotics. And yet we also feel so there's always room to grow We also feel as though there's ED overuse of steroids Being utilized for individuals who have a variety of upper respiratory complaints so using I using steroids indiscriminately is obviously not good for the patient. So this is another parameter that we're very carefully monitoring and then as you might imagine we look very carefully at our providers NPS scores that member satisfaction. We look at complaint rates. We look at visit time. We look at visit volume And ultimately what we have created for. Our clinicians is a dashboard. Because we do believe getting feedback on how you doing and how you're doing relative to your peers is a very important way that we can dr clinical quality On our expert medical services. We have a whole host of parameters that were routinely ainley tracking changes in diagnosis changes in treatment again. The member satisfaction being the hallmark of We're really trying to deliver care that is meaningful to the individual at the time that they're reaching out for care from Talbot Health. I Love Love The web side Care and As you as you mentioned when you were speaking about the virtual health care physician and I've never heard that before. I believe a lot of our listeners. When they hear virtual healthcare they are going to think that? There's this additional technologies in play other than what is at the normal Brick and mortar clinicians office. If you will could you discuss with us a little little bit about the technology you all are using that help. Sure so I I. I'd say that at its simplest. We really really feel as though we want technology to be deployed in a way that enhances coulda call quality so We do have the capabilities to integrate With Taito care for instance which is a way that one can Listen to someone's chest and look at their ear But we don't want these to be GATING obstacles So if the issue of the individual can be resolved with a simple phone call. Aw We will do that If the individual requires a video consultation. Of course we do that. With a high degree of frequency We also are always looking for digital therapeutics and other ways as in which we can deploy technology to enhance clinical quality. But it's not the other way around so we're not looking to just put if if you will sizzle into our program through integrating devices and technologies. That at the in the end result are not meaningful meaningful in terms of driving meaningful clinical outcomes. That's great so we're we're not adding tech just to have more technology and play. I I think I think we can all appreciate that. You mentioned that one of the largest growing areas is primary care and chronic diseases which is so important A lot of times a diabetic doesn't necessarily need to go in to see the clinician in person every week or every month month. So when I if I'm a diabetic do I have the same doctor each time or do I simply have tele doc health physician each time when I reach out to them. Right so Again we are just beginning to dip our toe if you will into the waters of virtual primary care but I think it is all centered around an individual's care team so it would be a physician. It would be some type of advanced practice. Clinicians being a nurse practitioner or physician assistant would be a medical assistant. And this would be the care team team that would be connected with the individual Seeking care. But it wouldn't be the general network work of general medicine providers. We really feel as though that personal care team will be key In terms of the success of the program. Yeah Lou I think That's a great point. I I like to highlight care team management and personalized. Care as much as I can. I think I think The clinicians that I've worked with over the years in the literature allstate that the healing process and maintaining wellness health. I come from a community so creating that upfront. And being part of the plan is huge no matter how high tech the solution might be a little bit of if you can you had. Yeah right I mean obviously I don't think either one of you on this call would disagree with that. I'm pretty sure our listeners would applaud that as well Not I tonight one point that I did want to make. Is that what we're trying to create in terms of our virtual primary care offering is much more than Instead of seeing me in the office on Brooklyn Avenue we can have a skype call and We can resolve your issue without you needing to come in and park and go through all that inconvenience. I do believe leave. That virtual primary care can achieve a higher level of clinical outcome through the successful deployment of Data analytics so that this program can be specifically targeted to individuals that we know we'll take full advantage digital therapeutics remote patient monitoring a I a lot of other resources that that frankly are not available to the general internist practicing in the office setting so that if one can if you will not only be prescribing medications but also be prescribing digital tools. That will help drive the the individual to a greater state of wellness. I think you can begin to see. How virtual care can in some instances exceed what is traditionally unle available through your routine? Hi Mary Care in a brick and mortar setting.
PS5 News and Predictions
"Weird as that sort sort of thing was because again they weren't promoting this APS five launch. reveal or anything like that. We got the logo but we did also get a small graphic that said playstation five hardware features and estranged is almost all these horror features were first introduced to us via playstation blog posts or via wired interviews or things of that nature. This is the first time place. Kinda like put these things out there and I wanted to run down them and we can go a little bit more into detail. But these are the official confirmed hardware features that they're really banking on so one is three D audio sound. Another haptic slash adaptive triggers for the new dual shock. Whatever it may be called? An ultra high-speed st allstate. Drive that will essentially be helping. Empower Your Games hardware based Ray tracing so ray. Tracing built into the system as well as ultra HD BLU ray which will finally give it comparability which the PS four pro does not have with a one act so you will be able to play just A. We aren't capable yeah. I didn't realize that when I bought a piece for pro and my girlfriend I bought like four four. Hd Lures with Kelly. Just wash in terms of being like a dedicated Media Player that ps four definitely took a step to the side from previous playstations and in terms of having that front front and center. I WANNA say they dropped the ball. But it's definitely been like there was a while ago you couldn't run certain files off a USB stick everyone's parents-in-law during the playstation three era head of playstation three. Because it was the media thing it was on the affordable media's same with two synonymous with. DVD's yeah so so of those features and there's one big one that I want to tack onto there that we can talk a little bit because it's a bit undefined but of those hardware features like what grabs your attention. What do you what excites you about the system? What do you feel like you need to hear more about to really get the scope up? I liked the haptic feedback thing because I feel like The controllers from what we've seen through official sources on the Xbox side and leaks on the playstation side. Feel mostly iterative like they feel like the the five dual shock five. Whatever we're calling it right now just kind of looks like a like a dual four? After Christmas break like it's kind of CIANCI a little thick one of those heavy horses with short like a little Sebastian of the Thomas. The tank engine was stopped talking about horses. Horses no looks like a thick cost. Yeah we haven't releasing the back of it yet. I know you just really sat back button so those are coming out at the end of the month. Okay that comes out at the end of the month and there was a recent patent for the dual shock five that essentially implied there would be back buttons which are similar to what the xbox one elite controller has what some other pro controllers have. Yeah so if it's structurally similar to the dual talk for that Even if it's a little horse here chunkier but I do want to like dig in more the sort of bells and whistles that bells and whistles that's gimmicky that's horse. Nonsense horsing around of all these things like these are things that will matter like a higher faster. Hard drive is great Ray tracing tracing sounds cool don't understand it ultra HD. Blu Ray cool. I don't have to switch to my xbox one s three sound cool great. That's so that's so corny. That is totally like rear touchscreen. Vida stuff and I'm here for Italy. It's the kind of thing that I feel like almost like I not every game. We'll take advantage of radio but I feel like almost every game. We'll try to implement something to haptic feedback launch. Your as long as it's going to totally go away you're going to be like it'd be less the lightbulb right by media molecule release a small game three years. That is the best. Use those things you've ever had. We'll be called sky touch or it won't use the screen. It'll just be three D audio and get yourself out of the jail cell pitch black. Actually the blindfold. I'm genuinely interested in the ray tracing stuff it just because I think that that is going to be the most immediate. Oh my God this is next Gen when we when when when we see it probably taken advantage of. I've read a bunch. The pieces deep diving into what playstation five ray. Tracing could actually look like an obviously I think if they want to maintain a price point that is competitive. It is an affordable for a pissing on average salary It's not going to be as advanced to say some. PC's as can can achieve nowadays. But like I really like the idea of of of it being immediately more beautiful again being immediately mmediately beautiful then you then you could see the PS four and Li- like for me. It's just little things like Oh God you know it's like Armand decided not to the original dishonored you could see wretched odors and the vision. You couldn't see it in the council vision and I sort of like. That's the sort of thing that we can notice. And I think that's going to actually be a big selling point for me that it's just going to immediately look prettier. The technology again. The technology is like the way that the playstation and possibly implementing this kind of short circuits my brain but I. I do think that that is going to be the thing that people are going to immediately noticed right now. What was it was the first? PS Four game that you remember being like Oh it's here now because like I feel like launch stuff stuff. It's so close to pre tailend previous stuff that you're like looks nicer. But it's nothing horizon aired on. Okay okay I was going to say uncharted for before. That prop I mean there was. There was some there was some like pan over stuff in kill zone where I was like. Yeah Wow. That's that's a stunning environment Running Yup coast some of the textures in that game and being like okay. That looks really good In retrospect they they look they look good. They look fine scraping opposite. Yeah it always happens when here's sort of chasing that but yeah I'm totally with you guys on this. I think it like I would really love if there's a couple of things that just like genuinely wow out of the box. Yeah and more importantly if devs working on. Ps Four exclusives for Twenty Twenty start quietly implementing some of the stuff under the hood. That is there when we played backwards compatible games on day one and there's a giant patch with it makes immediately the last of US look even better and such. That's even that's even more interesting. If the if the leaves ghosted Sushila can look better right if that's even possible. Yeah they're very good looking leaves. You've done a great job Andrew for me personally. The ultra high-speed. SSD AGAIN A lot. All of these things are more like tech Germany. And I think when we get to the PS five reveal and the way things are going to be sold to us. We're not gonNA hear half of these things in marketing word. That's why it's hard for me to sort of explain. Yeah excited for Ray tracing because I don't really understand how it would but I know what it could potentially sue and that's the salt dry for me in the showed that in a sort of like behind closed doors demonstration and to wired and then that video leaked but essentially the the load times in the way the world will load is so dramatically. Faster her because this is a sort of custom built drive. That's going to be interacting with the Games in a different way and so that will allow they showed I think the difference from the PS four Spiderman and then spiderman running on the PS five hardware was like a six second difference from like seconds down to one point