Community Health Center
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Community Insurance Partners Podcasts
Currents is a podcast published by Norton Rose Fulbright that features in-depth discussions on the latest developments in project finance. The podcast is hosted by partner Todd Alexander, who interviews key business leaders and policy makers to investigate important trends affecting the energy and infrastructure space.
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Coterie Insurance's And I Quote: Building Relationships with Insurance Agents
Coterie Insurance, Simplifying Small Business Insurance
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Coterie Insurance is focused on building a community of independent insurance agents that help insure small businesses across America. Coterie's podcast, And I Quote, was started to enhance how important relationships within the insurance industry are. Through events, LinkedIn, online communities, slack chats and so much more, our industry is connected at the core. Our hosts, Bobbie Collies & Ashleigh Burden, interview independent insurance agents, experts, & partners in our podcast. Discuss ...
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CACM Chat – HOA Life where no HOA topic is off the table. We’ll bring you stories, trends, legislative matters and best practices in HOA management straight from the day-to-day professionals who work in the California community association management industry and the expert Industry Partners that serve HOAs. CACM was founded in 1991 to elevate professionalism in community management through California specific education and certification. Rapidly changing laws, new advanced technology, and a ...
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The Eh List highlights Canada’s most inspiring founders, executives, and innovators who are redefining leadership today. Each episode dives deep into real stories of building, scaling, and leading with purpose, from the challenges of growth to the mindset shifts that fuel success. Hosted by Brandon Chapman of SaaS Wealth Insurance, this show gives listeners practical insights, leadership lessons, and inspiration from the people shaping Canada’s business landscape. Brought to you by SaaS Weal ...
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Discussing all matters that are relevant to our community in Mobile, Alabama, Baldwin County, Mississippi Gulf Coast, and Florida Panhandle areas. We will frequently have relevant guests such as local politicians, government officials, community leaders, health care providers, and more. Hosted by Jason Jones & John Wagner with Community Insurance Partners - Medicare Benefits Store.
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Looking for our Spanish Podcast? Listen here: https://volofoundation.org/es/climate-correction-podcast/ David S. Vogel is a world-renowned data scientist and predictive modeler. He has won the prestigious KDD Cup several times and the Heritage Health Prize in 2013. His wife, Thais Lopez Vogel, an attorney, manages VoLo Foundation. Together, they are raising six kids. David's research led them to become aware of the devastating economic impact of carbon pollution. They knew they had to do som ...
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🎙️ The Driven to Succeed Real Estate Podcast Hosted by Brandon Olson Welcome to The Driven to Succeed Real Estate Podcast — the go-to show for real estate professionals, mortgage experts, and high-performance entrepreneurs who are hungry for growth. Whether you're a seasoned agent, a rising loan officer, or just getting started in the industry, this podcast delivers actionable strategies, real-world insights, and powerful conversations that will take your business to the next level. Hosted b ...
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The SUSTAINX: Leaders in Sustainability Podcast is the ultimate resource for sustainability professionals aiming to drive impactful environmental initiatives and change. Hosted by Sven Steinert, CEO of SUSTAINX and Managing Partner at H&Z Management Consulting, this show cuts right to the core of the sustainability agenda. Join Sven as he engages with global leaders and experts to explore pressing topics including decarbonisation, circular business models, transformational leadership, and mo ...
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Between Two Doors is a unique exploration of the real estate world through the eyes of its most fascinating professionals. Hosted by Nate Carver, a seasoned mortgage expert, and proud veteran, this podcast dives deep into the personal journeys of realtors, offering listeners insider perspectives on the challenges, successes, and the little-known stories behind the sale signs. From first-time buyers to seasoned investors, Between Two Doors provides valuable insights, tips, and tales that illu ...
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From SHARE Cancer Support this is Our MBC Life. A podcast dedicated to exploring life with metastatic breast cancer from the perspective of us, the people living with this disease, and the experts who partner with us to help make our lives better. So glad you’re here since no one should face MBC alone. New episodes available every other Monday and join us on the last Friday of the month for our Trailblazer series. Send your voice memos, ideas, and questions to [email protected] ...
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The Pulmonary Hypertension Association presents ”PH Insights,” a podcast amplifying patient voices, sharing meaningful conversations with health care professionals and insights into pulmonary hypertension. Join PHA, people with PH and PH experts, as they share important information to support the PH community.
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Expat Wealth - Cross-Border Financial Advice for Expats in America and Americans Abroad
Richard Taylor
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With the right financial advice, landmines that threaten expat wealth can be avoided. Often encountered by US-connected expats, these financial landmines are more numerous, more hazardous, and less understood than almost anywhere else in the world. As a result, non-cross border professionals, wealth advisors, and even international advisors are often unaware of them. But don’t worry, Expat Wealth has you covered. Expat Wealth is dedicated to helping ambitious US-connected expats and immigran ...
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Welcome to the Coso Capital Show! Thanks for stopping by! Coso Capital is a show dedicated to wealth building and private investing, but at its core, it's really about designing the life you truly want. Whether you're here to learn about personal finance, real estate, business, or personal development, we've got plenty of topics to explore. Who are we? We're Denny and Dessiree (or just Dessi). Like many, we once wished for more—more freedom, more time, more financial security. Eventually, we ...
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“Health Systems Pathways” is a podcast designed to share insights that inform, inspire, and invite discussion about what should be done to make it easier for people to navigate complex health systems. Expert hosts bring you this podcast to share insights from PSI programs and other health partners related to Health Systems Strengthening (HSS). Health Systems Pathways is produced by the SCL Agency Ltd.
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Welcome to Suncoast Tampa Living, the official podcast of the Suncoast Tampa Association of REALTORS® (STAR). As one of the largest REALTOR® associations in the nation, STAR brings you insider access to everything happening in the vibrant Suncoast/Tampa Bay real estate market. Tune in for expert interviews and more. Whether you're a seasoned REALTOR®, a future homeowner, or simply love everything about Suncoast/Tampa Bay living, this podcast delivers real insights with a local heartbeat.
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The Cyber Sentinel Podcast with host Alan Adcock CEO, Automated Solutions Consulting Group, Inc. Alan founded ASC Group as a technology services provider for the small-to-midsize business community. Over time, they have evolved to specialize in data reliability and security for schools, medical practices, and remote workforces. Their clients can rely on their infrastructure to provide business continuity and rely on his team of network experts to uphold ethical business practices and standar ...
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Carl Self is first and foremost a proud father to Jordan and Alexis, but he is also a Senior Mortgage Originator licensed in the state of Washington since 1989. He started out part-time while working as an insurance agent for Pacific Cliffs Financial, and soon learned that he’s truly passionate about helping people to purchase a home. Having fallen in love with the mortgage industry quite quickly, Carl spent time reading and obtaining all of the information available to better serve his clie ...
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Hi all and welcome to www.grantvanzyl.com. This is where you will improve your financial literacy. I will be translating the difficult terminology of economics and complex jargon surrounding it, into something that is as easy to read as the daily newspaper. It’s almost like the ABC’s of the alphabet, once you have the foundation of anything, you can understand it much better. What you want is a coach that takes an active interest in your financial life, not just a planner that helps you once ...
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KFF Health News Covers $50 Billion Rural Health Transformation: Latest Details
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The new Rural Health Transformation Program aims to improve “healthcare access, quality, and outcomes” with $50 billion aimed at making changes to the healthcare delivery ecosystem. Keeping an eye on the state applications, the federal money awarded and how it will be used is Sarah Jane Tribble, lead rural health reporter at KFF Health News. On thi…
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Ep329: Building and Scaling Renewable Projects in a Shifting Policy Environment
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David Lillefloren and Tyler Hall of SunRaycer discuss launching and scaling a renewable energy development platform, from team-building and capital strategy to executing projects amid changing federal policy, supply‑chain constraints and rising power demand.By Norton Rose Fulbright
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The American Dream is evolving. While the US remains a land of opportunity and hard work, more people are heading to Europe and other destinationsin search of balance, lifestyle, and long-term quality of life. Understanding how US and international financial regulations differ can help Americans avoid costly landmines and make the most of their opp…
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From January 8th, We’re The Brits In America becomes Expat Wealth. Expat Wealth is dedicated to helping ambitious US-connected expats and immigrants navigate those challenges. Whether you’ve moved to the US for opportunity or are an American seeking adventure and growth abroad, our job is to equip you with the tools and insights you need to succeed…
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Ep. 22 – Why Ammonia Is the Missing Puzzle Piece in Europe’s Hydrogen Strategy – with Dr. Ralph Kleinschmidt & Susanne Thöle
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How does a lighthouse hydrogen project turn a chicken-and-egg dilemma into a bankable business case? In this episode, host Sven Steinert speaks with Dr. Ralph Kleinschmidt, Global Head of Technology and Innovation at thyssenkrupp Uhde, and Susanne Thöle, Director Hydrogen at Uniper. Together, they zoom in on one such project: an ammonia cracker tha…
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Episode 90: 20 Years in Real Estate — Market Cycles, First-Time Buyers & Doing the Right Thing with Brad Martin
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In Episode 90 of the Driven to Succeed Real Estate Podcast, Brandon Olson welcomes Brad Martin of the Right Thing Team at Bridge Realty. With 20 years of experience, Brad has seen every type of market — from the 2008 crash to today’s affordability-driven environment. In this episode, Brad and Brandon break down what first-time buyers need to know, …
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The Interconnectivity of Everything in the Ocean with Leneita Fix of The Reef Institute
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In this episode of the Climate Correction™ Podcast, we're joined by Leneita Fix, founding leader and executive director of The Reef Institute, one of Florida and the Caribbean's most important hubs for coral rescue, restoration, and ocean literacy. Leneita shares how The Reef Institute's groundbreaking Rescue to Reef model is transforming the futur…
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67. For Americans Considering a Move Outside the US: Guidance to Become an Expatriate from America | Move to Europe with Brett Andrews
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Moving abroad isn’t exclusive to retirees and 25-year-olds; many Americans from all walks of life are considering leaving the United States. Richer culture, affordable healthcare, and a higher quality of life are among the key reasons Americans are moving to Europe. In the current climate, expats need to choose a country that suits their lifestyle …
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Hot Topics: Beyond the Premium: Understanding Florida’s Insurance Landscape
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In this episode of Hot Topics, we unpack the complexities of Florida’s ever-evolving insurance market. Rising premiums, shifting policies, and regulatory changes have left both REALTORS® and homeowners searching for clarity. Our panel breaks down what’s driving the current challenges, how to educate clients on risk and coverage, and what to expect …
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As the year comes to a close, we’re taking a moment to reflect on the challenges, growth and resilience that defined this year for our community. In this special end-of-year holiday episode, we look back on the moments that mattered most — from the impact of the LA fires and the incredible compassion shown by our members to the education, advocacy …
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Happy, Healthy New Year: What the Future Holds
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New research. New technology. New possibilities. On this special 2025 Rewind and Look Ahead episode of “Conversations on Health Care,” hosts Mark Masselli and Margaret Flinter turn their focus to the breakthroughs, discoveries and innovators shaping what comes next. “Health innovations and breakthroughs that seemed impossible years ago became close…
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66. Lower Taxes and Better Wine: Feel Confident About Your Decision to Move Abroad and Avoid Double Taxation | Move to Europe with Brian Dunhill
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Is it possible for American expats to build reliable, diversified financial portfolios when moving to Europe? Yes, but Americans living abroad, particularly in Europe, need to know how to navigate complex taxrules, currency considerations, and international regulations to avoid being caught off guard by sudden economic or policy changes. This episo…
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When Care Goes Beyond Treatment: How a Support Group Redefined Support
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Host: Jolie Lizana, PAH patient and advocate Guests: Debbie Kittel, BSN, RN, CCRN, nursing program manager, PAH program, Richard M. Ross Heart Hospital; and Tiffani Brown, PH patient, Ohio State University-Columbus support group co-leader. Just in time for the holidays, the Pulmonary Hypertension Association shares the extraordinary impact of a sim…
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How to speak to lead with confidence, influence, and impact with Precious Ile
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This episode features an insightful conversation with Precious Ile, Executive Coach and Co-Founder of Impact Plus Consulting. Her journey, which began with a scholarship to study in Canada, is a story of resilience, growth, and leadership development. Growing up in Nigeria, Precious reflects on how her family and early experiences shaped her values…
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2025 Rewind: Our guests recount the promises and hurdles
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Health care policy faced major upheavals during the past 12 months and the effects are already being felt. On this special 2025 Rewind and Look Ahead episode of “Conversations on Health Care,” hosts Mark Masselli and Margaret Flinter reflect on the moments that defined the year and what may come next. This episode is Part 1 of a two-part 2025 rewin…
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“Unbearable: Five Women and the Perils of Pregnancy in America”: Author Conversation
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Eighty percent of maternal deaths in the United States are considered preventable. So why do they keep happening? On this episode of “Conversations on Health Care,” hosts Mark Masselli and Margaret Flinter are joined by award-winning journalist and New York Times bestselling author Irin Carmon for a thoughtful conversation about pregnancy, care, an…
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Ep328: Optimizing Distributed Generation Assets
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Barrett Bilotta, CEO of Agilitas Energy, discusses the company's integrated approach to renewable energy development and recent trends in distributed generation and energy storage.By Norton Rose Fulbright
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65. Navigating Estate Planning: How Expats Can Avoid Unexpected Taxes | Moving to Europe with Paula Jones
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What happens if you unexpectedly inherit money from aloved one while living abroad, especially when there’s no formal estate plan in place? As an American expat, both international and US tax laws can take a significant portion of your inheritance. Losing someone is hard enough, and navigating cross-border inheritance shouldn’t make it harder. Expa…
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The Power of Perspective in Building Better Leaders: Izumi McGruer’s Journey
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Today’s conversation highlights the role leadership plays in shaping the financial services industry through the lens of Izumi’s journey. Drawing from decades of experience, she shares how leading with authenticity and a strong sense of community creates space for growth, learning, and innovation. Throughout the discussion, it becomes clear that st…
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Bridging the Bay with Carlos Navedo of Habitat for Humanity of Tampa Bay Hillsborough
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Bridging the Bay connects the people, ideas, and conversations shaping the future of real estate and community across Tampa Bay. Each episode dives into timely topics from property taxes and housing policy to innovation, leadership, and local impact, bridging the gap between real estate, government, and the neighborhoods we call home. In this episo…
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Episode 53: Denise Bibeau Is Leading with Heart in Ocala Real Estate
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On this episode of Between Two Doors, host Nate Carver welcomes Denise Bibeau, a top-producing REALTOR® with Re/Max AllStars and incoming 2026 President of the Women’s Council of REALTORS® Florida. Denise reflects on nearly a decade in real estate and more than three decades of combined experience in sales and leadership, sharing how service-driven…
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Episode 052: Care First, Close Second: Why Homebuyers Love Working with Realtor Tina Andrade
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On this podcast episode, Tina Andrade brings her two decades of real estate expertise to the table, sharing what truly matters when navigating today’s market. From helping first-time buyers overcome fear to advising seasoned investors building multi-property portfolios, Tina delivers grounded, compassionate guidance shaped by thousands of real-worl…
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Congress Races to Find Obamacare Subsidy Solution: Reporters Examine the Efforts
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Originally broadcast December 11, 2025 Congress is scrambling to find a solution to the enhanced Affordable Care Act subsidies that expire at the end of the year. Without action, premiums are set to rise sharply for millions of Americans, creating a major health care cliff as 2026 approaches. Congressional reporters Sandhya Raman (CQ Roll Call) and…
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Flu Cases Rising: “It’s Not Good,” Says Former CDC Dir. Dr. Tom Frieden
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Originally broadcast December 4, 2025 The doctor who once led the Centers for Disease Control and Prevention sees trouble ahead: “It’s not good…what we have seen from Europe is a very early and very severe flu season, something that could mean more hospitalizations.” Dr. Tom Frieden says confusing vaccine guidance, limited access and weakened publi…
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Ep327: Market Dynamics in Tax Credit Insurance
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Dan Berger, managing director at Lockton Companies, discusses recent trends, challenges and developments in the tax credit insurance market.By Norton Rose Fulbright
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64. Investing from Abroad: How Americans Should Protect Their Assets from Overseas | Move to Europe with Katelynn Minott
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Expatriates need to manage their tax obligations effectively and avoid mismatches between tax systems that can lead to double taxation. One of the most common mistakes American expats make is investing through a Passive Foreign Investment Company (PFIC), which is taxed at the highest US tax rate, often simply because they didn’t have the proper gui…
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Shaping the Future: Women Innovators Transforming Pediatric PH Research
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Guest Host: Elizabeth Joseloff, PhD, vice president, Quality Care and Research, Pulmonary Hypertension Association Guests: Ripla Arora, PhD, developmental geneticist and associate professor, Michigan State University; and Katelyn Enzer, MD, assistant professor of pediatrics, University of Colorado On this episode of PH Insights, we highlight the wo…
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Ep. 21 – Sustainability as a Service: Redefining What’s Possible in Pharma – with Arne Kloke
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The future of sustainability lies in treating it as a service that creates value for customers, business, and the wider ecosystem. In this episode, host Sven Steinert speaks with Arne Kloke, Head of Sustainability and Service Management at SCHOTT Pharma. Arne shares how he and his team integrate sustainability into daily business practice, turning …
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Episode 51: How AI Is Transforming Real Estate for Realtors and Home Buyers
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In this audio episode, host Nate Carver welcomes Chris Johnstone, CEO of Connection Incorporated, for a deep dive into how artificial intelligence is reshaping real estate and mortgage lending. Chris explains how buyer behavior is rapidly shifting toward AI-powered search and why agents who adapt early will capture a disproportionate share of futur…
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Ep326: How Linear Generators Empower Businesses
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Shannon Miller, CEO of Mainspring Energy, describes the company’s modular linear generator technology and discusses its potential uses and cost considerations for various energy customers.By Norton Rose Fulbright
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S11 E04 Health Insurance Changes & the Breast Cancer Community
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Send us a text Recent federal legislation about health insurance coverage will impact the breast cancer community. Monica Bryant of Triage Cancer talks to us about changes to private insurance (through the ACA healthcare exchange marketplace) and publicly funded insurance including Medicare and Medicaid. We also discuss some of the potential ripple…
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63. What Americans Need to Know Before Starting a New Life Abroad: Diving Deep into the Factors Americans Often Overlook | Move to Europe with Alex Ingrim and David Cantor
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Making the move successfully from the US to a country in Europe requires guidance from people who’ve lived it. From tax rules and immigration pathways to cultural fit andlong-term financial planning, the journey comes with complexities that have caught many people off guard. In this episode of We’re The Brits In America, Richard Taylor - dual UK/US…
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Hot Topics: Constructing Community: Partnering with Developers for Success
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In this episode of Hot Topics, we take a closer look at how strong partnerships between REALTORS® and developers help shape thriving communities. Featuring insights from our partners at Metro Development Group, this discussion explores what goes into bringing new neighborhoods to life—from planning and amenities to the buyer experience. Learn how t…
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Finding Your Rhythm: Work-Life Balance Strategies
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In this episode, we’re joined by Kylie Decker, CAMEx, CCAM from Powerstone Property Management, ACMC and a member of CACM’s Board of Directors, for an honest and timely conversation about what work–life balance really means in our industry today. Kylie shares her leadership perspective on how expectations around balance have evolved in recent years…
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Recyclable Solar Panels Made in the USA with Solarcycle
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In this special holiday episode of Climate Correction Podcast, we welcome Dr. Pablo Ribeiro Dias, co-founder and chief technology officer at SOLARCYCLE, a pioneering, tech-driven recycling company producing sustainable, domestic materials at scale for the solar industry. Dr. Dias is a world-renowned researcher in solar PV module and e-waste recycli…
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62. The Complexities of Having a UK Pension in the US: Navigating Pension Commencement Lump Sums | From The Trenches with James Boyle
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Many expats assume their Pension Commencement Lump Sum(PCLS) will remain tax-free when they relocate, but the US UK tax treatyleaves too much ambiguity to be certain. Therefore, what should you do with your PCLS when moving to the US as a British expat? Working with a dedicated cross-border tax advisor can help you avoid costly IRS repercussions. H…
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Partnering with Your Care Team: Advocacy in PH – Part 2
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Hosts: Jenna Olitsky, PAH and HHT patient, PHA’s Patient and Caregiver Education Committee member; Jolie Lizana, PAH patient and advocate; Meghan M. Cirulis, MD, MS, medical director, Intermountain Health Pulmonary Hypertension Center, assistant professor, pulmonary and critical care medicine, Intermountain Medical Center, adjunct assistant profess…
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How to Lead with a Client-Centric Mindset: Chris Reynolds Shares His Approach
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Today’s episode focuses on the vital role of leadership in the business world, featuring our guest Chris Reynolds. With over 30 years of experience, Chris has played a major part in shaping Canada’s wealth management industry, particularly through his leadership at the Investment Planning Council, the country’s largest independent wealth dealership…
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Episode 50: Alyssa Kapinos On Smarter Insurance For Your New Home
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In this episode, Alyssa Kapinos of Goosehead Insurance breaks down the biggest insurance questions facing North Texas home-buyers. She explains how to compare policies, understand deductibles, avoid costly gaps in coverage, and spot the hidden factors—like roof age and claim history—that can affect both your premium and your ability to close on tim…
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Can You Have a ‘Healthy’ Thanksgiving? How the Food Industry Conspires Against Us
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Leading nutritionist Marion Nestle, Ph.D., has a sobering message as we get ready for Thanksgiving: America’s food system delivers twice the calories we need while wasting 40%. “Thanksgiving provides five times the calories we need,” she points out. Her advice? “It is a week in which you just have to do the best you can.” But once we’ve cleared the…
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How Dr. Sanjeev Arora Helped Improve Care for 200 Million Patients
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People around the world are living longer and healthier lives because of an innovative idea that became a global force for change. On this episode of Conversations on Health Care, hosts Mark Masselli and Margaret Flinter welcome back Dr. Sanjeev Arora, founder of Project ECHO, an approach that has already improved care for more than 200 million pat…
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Ep325: New Rules for Private Power in Mexico
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Raquel Bierzwinsky, Norton Rose Fulbright partner, discusses the latest reforms to Mexico’s power sector, highlighting how new regulations are creating opportunities for private investment and project development after years of stagnation.By Norton Rose Fulbright
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S11 E03 Living Your Best Life with Palliative Care
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Send us a text Today’s episode tackles a topic that is often misunderstood, palliative care. Many people hear the term and immediately think of end-of-life care but that’s not what palliative care is. In reality, it’s about improving quality of life, managing symptoms, and helping you live as fully and comfortably as possible, no matter where you a…
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Ep. 20 – How Danfoss Built on Its Hydraulics Core for an Electrified, Sustainable Future – with Dr. Andreas Schumacher
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What happens when a global hydraulics leader integrates new power solutions for a decarbonising world? In this episode, host Sven Steinert speaks with Dr. Andreas Schumacher, Head of Sustainability and Product Compliance at Danfoss Power Solutions. More than a decade ago, Danfoss recognised that relying solely on hydraulics could limit its future g…
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Hot Topics: Closing 101: Insider Tips from the Closing Table
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In this episode of Hot Topics, we’re taking a seat at the closing table to explore what really happens when deals reach the finish line. From navigating common pitfalls to ensuring a smooth signing day, our panel of seasoned experts shares practical advice and insider knowledge to help REALTORS® set the stage for stress-free closings. Whether you’r…
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How to Build a Strong Tech Community in Vancouver: Interview with William Johnson
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This podcast episode focuses on the insights William Johnson shared about the power of curiosity and genuine connection in building meaningful relationships within the tech community. During our conversation, Will talked about how growing up in a small town sparked his natural curiosity about people, helping him connect easily with those from all k…
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Insurance, Technology, and AI: Embracing Change, Futuristic Thoughts and What's Ahead
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Frank Sentner joins the Coterie Insurance podcast for the second time. Speaking with Bobbie Collies, Frank dives into discussing his thoughts on data standardization, innovation and change in the industry. Frank has extensive experience in the insurance technology sector, and brings a lot of background and knowledge to this episode. He highlights t…
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In this Thanksgiving-themed episode, we’re exploring the power of appreciation—and how simple recognition can strengthen community relationships, build trust and highlight the everyday moments that make this industry so special. Guest host, Celeste Huecias, CACM Communications Manager, is joined by Brittney Zaragoza, CACM’s Regional Assistant for N…
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Episode 49: Serving Those Who Serve: Carissa Duran on Real Estate around Fort Hood
18:44
18:44
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In this episode, Nate talks with Carissa Duran, a fifth-generation Nevadan turned honorary Texan who has spent over a decade helping military families find home and stability around Fort Hood, Killeen, Temple, Belton, and Salado. As both an Army Reserve veteran and a military spouse, Carissa brings a rare, firsthand understanding of PCS moves, VA l…
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Episode 48: Turnkey Investing with Mid South Home Buyers
38:55
38:55
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In this episode, Nate Carver meets with Terry Kerr and Matthew Vanhorn from Mid South Home Buyers, the pioneers of the turnkey single-family real estate investment model. Terry shares how a fixer-upper for his young family in 2002 grew into a company that has bought, renovated, sold, and managed more than 5,700 homes across Tennessee, Arkansas, and…
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